A：In the first half of 2026, the Agricultural Bank of China achieved steady growth, which is mainly reflected in five aspects: first, the growth rate of net profit exceeded 5%, reaching 5.8, and the operating income increased by 11.2 compared with the same period last year; second, the increase in financing exceeded 3 trillion yuan, of which loans and bond investment increased by 1.69 trillion yuan and 1.52 trillion yuan respectively, and the average daily deposit balance of the whole caliber increased by 3.67 trillion yuan, a growth rate of 10.2, the net interest margin was 1.28 per cent, up 2 BP from the first quarter; fourth, the non-performing loan ratio fell for the fifth consecutive year to 1.25 per cent, with the provision coverage ratio remaining at the highest level comparable to its peers; and fifth, the dividend yield increased to 31 per cent, reflecting a good return to investors.

A：In the first half of the year, the management mainly carried out the following tasks: First, deepen the field of agriculture, rural areas, continue to improve the quality and efficiency of rural revitalization financial services, focus on key support areas and optimize the network layout; second, serve the overall situation of the country, help the transformation and upgrading of the economic structure, and strengthen Financial services such as technology, green and inclusive, and promote high-level opening up; thirdly, build customer foundation, through digital means and enrich product services, strengthen interaction with customers and enhance customer experience; finally, forge ahead with reform, build smart banks to empower business development, accelerate the application of artificial intelligence technology, improve the level of intelligent risk prevention and control, and adhere to the bottom line of risk prevention and control.

A：For the second half of the year, the Agricultural Bank of China is confident to continue the good situation of steady growth of deposits and loans, continuous excellent asset quality and continuous improvement of profitability. The driving factors include, but are not limited to, the favorable external environment brought about by the development of macroeconomic momentum to new and structural excellence, and the advantages of ABC's own solid customer base, comprehensive product services, solid asset quality and cross-cycle trading ability, which will support ABC to achieve sound operation and sustainable development.

A：The main drivers of earnings growth include: First, the asset business advantage is solid, through the network layout covering the country's county villages and towns, under the dual drive of rural revitalization and new urbanization, the large customer base into a competitive advantage, and in the past two years, the increase in real loans of Agricultural Bank of China is ahead of comparable peers. Bond investment has been moderately increased this year, and interest-bearing assets are expected to continue to grow steadily. Second, the cost of debt fell, the orderly reduction of interest expenses, the first half of the average daily deposit growth rate of comparable peers, with the second half of the stock of time deposits due, the cost of debt will be further reduced, the first half of the interest expense fell 4.7 year-on-year, the future will continue this trend. Third, the financial supply has been continuously optimized to effectively expand the profit space. In the face of changes in the financial structure and the increase in the proportion of direct financing, ABC, on the basis of consolidating its traditional business advantages, has made a forward-looking layout, improved its cross-cycle trading capacity and capital operation capacity, met new demands with a diversified business structure, promoted the diversification of income sources, and enhanced its profit resilience. Fourth, the wind control ability is better, through prudent and prudent business strategy, the non-performing rate continues to decline, the provision balance and provision coverage ratio ahead of comparable peers, to build a solid risk safety margin and profit safety bottom line.

A：In the first half of this year, the asset quality of Agricultural Bank of China showed three characteristics: first, the non-performing rate continued to improve. At the end of June, the non-performing rate was 1.25, a cumulative decrease of 3 BP, and in the first half of this year, it dropped by 2 BP. The overall asset quality was stable and good. Second, the expected non-performing scissors spread continued to remain negative, the overdue rate decreased by 0.01 percentage points from the beginning of the year, the expected non-performing scissors spread of negative 1.8 billion yuan, 24 consecutive quarters to maintain this state. Third, the provision coverage ratio remained ahead, with the loan provision balance exceeding one trillion yuan, and continued to grow in the first half of the year, with the provision coverage ratio reaching 290.10 per cent. For the quality of inclusive retail assets, this year Agricultural Bank will be the focus of risk prevention and control work, through a sound credit risk prevention and control system, strict control of new non-performing and increase the stock of non-performing resolution efforts, the current quality of inclusive retail loan assets to maintain a better level of comparable peers. Looking forward to the second half of the year, the Agricultural Bank of China expects that the quality of credit assets will continue to maintain a good momentum, and the main indicators such as the non-performing rate, the expected rate and the provision coverage ratio will remain stable and remain at a low level.

A：In the first half of this year, AgBank's deposit business continued the good momentum of stable quantity and high quality, with a new average daily deposit balance of 39.59 trillion billion yuan, a growth rate of 10.2 percent, both incremental and growth rates leading comparable peers, and the deposit deviation remained below 3 percent for nine consecutive quarters. AgBank has taken a series of measures to ensure the advantages of the deposit business by closely following the changes in macro policies, regulatory requirements and market changes, closely tracking the changes in the pattern of capital utilization and the improvement of residents' wealth management needs. In the future, the Agricultural Bank of China will continue to optimize its debt structure, strengthen its connection with the real economy, strengthen risk management and compliance operations, and at the same time use scientific and technological means to improve service efficiency and quality to adapt to the profound changes in the use of social funds and continue to maintain the competition in the deposit business Advantage.

A：We will resolutely carry out the duty and mission of serving the three rural areas, continue to regard the county as an important position for effective credit demand mining, coordinate the volume and price of the three rural areas, and steadily increase the contribution of the county business. Strive for county loans in the whole bank to continue to stand at the level of 40%, and can continue to improve. Focus on the following four aspects: First, insist on serving agriculture, rural areas and farmers as the biggest priority, and continue to increase the financing supply of key areas and entities of rural revitalization. The second is to anchor the goals and tasks of agricultural and rural modernization development, and continuously optimize the three rural financial products and service systems. Third, we will consistently regard risk prevention and control as a perennial priority and resolutely safeguard the risk and compliance red line for county-level operations. Fourth, we will strengthen the institutional and mechanistic safeguards of the financial business divisions dedicated to agriculture, rural areas, and farmers, and effectively enhance the quality and efficiency of services for rural revitalization.

A：Agricultural Bank of China's retail business has always been the strategic cornerstone of the bank's operation and development, and achieved high-quality development in the first half of the year. The focus of retail business development mainly includes four aspects: first, consolidate the 0.9 billion customer base, consolidate the hard base of retail inclusiveness, and do a good job in the implementation of customer service with heart and emotion. The second is to write a solid article on pension financing, improve the quality of farmers' pension financial services, and help improve the construction of a multi-level and multi-pillar pension insurance system. The third is to irrigate the fertile soil for rural revitalization with financial running water, optimize and perfect the whole scene service for rural revitalization, and focus on the construction of characteristic industries in one county, one product, one town, one product. Fourth, take effective measures to support the development of small and micro enterprises, and normalize the implementation of the financing coordination mechanism to support small and micro enterprises.

A：Agricultural Bank of China actively responded to the national policy of expanding domestic demand to promote consumption, focused on the expansion of third-party payment services, adhered to the two-pronged approach of scene and ecology, deepened cooperation with e-commerce platforms and retail enterprises, and stimulated consumption vitality by optimizing the payment experience. At the same time, ABC has also stepped up personal credit services, stabilized and expanded traditional consumer credit, promoted trade-in credit services, and actively supported the development of new consumer scenarios, such as digital consumption and green consumption. In addition, the Agricultural Bank of China attaches great importance to the implementation of the financial sector's consumer loan discount policy and increases consumer loans. In the first half of this year, personal housing consumer loans, business loans and credit card consumption have all increased.

A：AgBank anchors the goal of common prosperity, adheres to the position of being a family financial planner trusted by good customers, and promotes the high-quality development of AgBank's wealth management business. Specific measures include: exerting efforts in product supply, innovating and optimizing the shelves of wealth products, and creating a product matrix with distinctive features and optimal quality; Efforts should be made in service innovation, focusing on the wealth management needs of customers throughout the life cycle, and improving the service capability of one-stop matching the required products; Make efforts on differentiation advantages, use digital means to enhance the capabilities of intelligent insight, wealth diagnosis and intelligent asset allocation, and further sink services, expand the coverage of wealth management services.

A：On the one hand, ABC does a good job in the comprehensive management of customers, strengthens the links between communities, enterprises, merchants and other customer groups around the outlets, builds the financial ecosystem of the outlets, and promotes the online service capability by relying on platforms such as bank, enterprise and micro, and explores the digital management mode of online and offline integration to accurately gain insight into customer needs. On the other hand, we should effectively strengthen the protection of consumers' rights and interests, ensure the quality of service, enhance core competence, and realize deeper cooperation with customers, so as to meet the growing financial service needs of the people for a better life.

A：Agricultural Bank of China will promote the high-quality and sustainable development of inclusive finance from four aspects: first, it will be deeply integrated into the overall situation of national development, focus on key areas, broaden service scenarios, innovate service models, and provide financial supply that matches economic development and the needs of market entities; second, it will make full use of fiscal and monetary policy tools, strengthen cooperation between banks and governments, innovate products and services, and optimize business processes. The third is to steadily promote the digital development of inclusive finance, deepen the application of data, explore the application of intelligent bodies in various fields, and enhance the ability of inclusive financial services and sustainable development; fourth, continuously consolidate the risk compliance base, improve the policy system, strengthen the source wind control ability, and improve the level of accurate wind control.

A：The main achievements of ABC in the application of AI are reflected in four aspects: the acceleration of digital management innovation, the improvement of the intelligent level of risk prevention and control, the increase of the ability to reduce the burden at the grass-roots level, and the enhancement of the basic support capacity of the AI. In the next step, ABC will further expand the application scope of intelligent bodies, improve the efficiency of intelligent bodies, continuously deepen the application of intelligent bodies in various scenarios, strengthen the basic support of AI, and at the same time always keep the bottom line of safety to ensure that AI applications are safe, reliable and controllable.

A：The Agricultural Bank of China resolutely implemented the decision-making and deployment of the Party Central Committee, took science and technology finance as an important strategic task, and built a professional and characteristic service system. As of the end of June, it had accumulated more than 360000 technology-based enterprises. ABC's approach includes establishing a professional service system, innovating credit policies, building a full-scene range of products, integrating science and technology innovation ecology, and using digital platform tools. For equity investment, Agricultural Bank of China has set up a number of pilot cities and implemented a number of high-quality projects through market-oriented operation, risk sharing and leverage coordination to serve the development of the real economy, especially in the field of hard science and technology and early investment.

A：In order to enhance investors' sense of gain, AgBank's interim dividend ratio was increased to 31% this year. Agricultural Bank of China will focus on the main responsibility of the main business, consolidate the basis of value return, deepen sincere communication, enhance the trust of long-term development, adhere to the continuous and stable cash dividends to the majority of investors, and comprehensively consider the business development, capital needs, shareholder returns and other factors, to maintain the continuity and stability of the dividend policy.

A：During the "14th Five-Year Plan" period, the Agricultural Bank of China will fully implement the Jinping Thought on Socialism with Chinese Characteristics for a New Era, focus on the theme of promoting high-quality development, serve the development of the real economy, deepen reform and innovation, adhere to the people's supremacy, implement the three major strategies of universal benefits for agriculture, rural areas and smart banks, and strive to become a leading bank serving rural revitalization, a main bank serving the real economy, and a better life, show more in the construction of a financial power.