Core Viewpoint - Guangzhou Rural Commercial Bank has increased its registered capital from approximately 11.45 billion to about 14.41 billion yuan, indicating a significant capital expansion [1] Company Summary - The company was established in 2006 and is represented by Cai Jian [1] - Shareholders include Guangzhou Financial Holding Group Co., Ltd. and Guangzhou Metro Group Co., Ltd. [1]

格隆汇8月18日丨广州农商银行(01551.HK)公布，公司将于2025年8月28日召开董事会会议，以（其中包 括）审议及通过集团截至2025年6月30日止六个月的中期业绩及其发布。 ...

（於中華人民共和國註冊成立的股份有限公司） （股份代號：1551） 董事會會議通告 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Guangzhou Rural Commercial Bank Co., Ltd.* 廣州農村商業銀行股份有限公司 * 廣州農村商業銀行股份有限公司*（「本行」）董事會（「董事會」）謹此宣佈，董事會 會議將於二零二五年八月二十八日（星期四）舉行，藉以（其中包括）審議及批准本 行及其附屬公司截至二零二五年六月三十日止首六個月之中期業績及其發佈。 承董事會命 廣州農村商業銀行股份有限公司* 中國廣州，二零二五年八月十八日 於本公告日期，董事會包括兩位執行董事蔡建先生、鄧曉雲女士；七位非執行 董事倪開先生、王曉斌先生、左梁先生、張研先生、幸秋玉女士、胡戈游先生、 馮耀良先生；以及五位獨立非執行董事廖文義先生、杜金岷先生、鄭國堅先生、 張華先生、馬學銘先生。 * 廣州農村商業銀行股份有限公司並非香港法例第155章《銀行業條例》所 ...

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年7月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 廣州農村商業銀行股份有限公司 (「本行」) I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01551 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 2,674,925,000 | RMB | | 1 RMB | | 2,674,925,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 2,674,925,000 | RMB | | 1 RMB | | 2,674,925,000 | 呈交日期: 2025年8月6日 | 2. 股份分類 ...

廣州農村商業銀行股份有限公司章程 （2023年修訂） 1 第一章 總則 第一條 為維護廣州農村商業銀行股份有限公司（以下簡稱「本 行」）、股東和債權人的合法權益，規範本行的組織和行 為，根據《中國共產黨章程》《中國共產黨國有企業基層組 織工作條例（試行）》《中華人民共和國公司法》（以下簡稱 《公司法》）、《中華人民共和國商業銀行法》（以下簡稱《商 業銀行法》）、《中華人民共和國銀行業監督管理法》（以下簡 稱《銀行業監督管理法》）、《國務院關於調整適用在境外上 市公司召開股東大會通知期限等事項規定的批覆》《香港聯 合交易所有限公司證券上市規則》（以下簡稱《香港上市規 則》）、《國務院關於開展優先股試點的指導意見》《優先股試 點管理辦法》《關於商業銀行發行優先股補充一級資本的指 導意見（2019修訂）》《銀行保險機構公司治理準則》《商業銀 行股權管理暫行辦法》和其他有關法律法規、部門規章及 規範性文件的有關規定，制定本章程。 第二條 本行系依照《公司法》《商業銀行法》和其他有關法律法規成 立的股份有限公司。 本行經中國銀行業監督管理委員會《中國銀監會關於廣州 農村商業銀行股份有限公司開業的批覆》（銀監覆[2009 ...

關於變更註冊資本及修訂公司章程的公告 茲提述廣州農村商業銀行股份有限公司*（「本行」）有關(i)日期為2023年4月26日 之建議修訂公司章程；(ii)日期為2023年6月20日之年度股東大會及類別股東大會 投票表決結果；(iii)日期為2023年12月29日之完成根據特別授權配售新H股；(iv) 日期為2023年12月29日之訂立內資股認購協議及完成內資股發行公告（「該等公 告」）；及(v)日期為2023年5月31日之通函（「該通函」）。除文義另有所指外，本公 告所用詞彙與上述該等公告及該通函所界定者具相同涵義。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 Guangzhou Rural Commercial Bank Co., Ltd.* 廣州農村商業銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：1551） 承董事會命 本行於本次非公開發行完成後，就變更本行註冊資本事項向國家金融監督管理總 局廣東監管局（「廣東 ...

Core Viewpoint - Guangdong's financial regulatory authority has accelerated the absorption and merger of rural banks, with nine banks approved for mergers in 2025, surpassing the total for the previous year [1][2][5] Group 1: Mergers and Acquisitions - Jiangmen Rural Commercial Bank has been approved to absorb Longchuan Ronghe Village Bank and Raoping Ronghe Village Bank as of July 16, 2025 [1] - Shunde Rural Commercial Bank has been approved to absorb multiple banks including Foshan Nanhai Xinhua Village Bank and Dongguan Changping Xinhua Village Bank on the same date [1][2] - Guangzhou Rural Commercial Bank was approved to absorb Zhongshan Dongfeng Zhujiang Village Bank and Dongguan Huangjiang Zhujiang Village Bank on June 5, 2025 [2][3] Group 2: Regulatory Context - The acceleration of mergers aligns with the regulatory framework set in January 2025, emphasizing the need for risk management and restructuring of high-risk financial institutions [1][5] - The Guangdong financial regulatory authority aims to enhance collaboration between central and local governments to address risks in small financial institutions [1][5] Group 3: Industry Trends - The trend of mergers is indicative of a broader structural reorganization within the rural banking sector, with a significant increase in the number of banks being absorbed compared to previous years [2][6] - The concept of "village to branch" reform has gained traction, with Guangdong leading the way in implementing this model, allowing for broader service offerings and market expansion [5][6] Group 4: Future Outlook - Experts predict that the restructuring of rural banks will continue to accelerate, leading to a gradual reduction in the number of such banks [6] - There is a call for guiding policies to help rural banks refocus on their core missions and effectively support rural revitalization and small enterprises [6]

Core Viewpoint - The successful issuance of a 30 million yuan loan by Guangzhou Rural Commercial Bank for a state-owned aluminum company marks a significant breakthrough in the innovative development of transformation finance in Guangzhou, being the first of its kind in the aluminum industry in Guangdong Province [1][2]. Group 1: Transformation Finance and Carbon Footprint - The loan is structured under a "transformation finance + carbon footprint linkage" dual certification model, which enhances the granularity of transformation recognition [2]. - The financing will be used for clean energy utilization, production process upgrades, and energy efficiency improvements, with an expected 30% reduction in comprehensive energy consumption per unit of output compared to the end of 2020 [2]. - The dual certification model not only reduces financing costs for enterprises but also incentivizes them to independently lower carbon emissions [2]. Group 2: Industry Context and Future Plans - Guangdong Province accounts for over 15% of the national aluminum production capacity, and the aluminum industry faces urgent low-carbon transformation demands under the "dual carbon" goals [1][3]. - Guangzhou Rural Commercial Bank has conducted a comprehensive survey of existing credit clients, identifying potential transformation finance clients across nine industries and 26 sub-sectors [3]. - The bank plans to continue participating in the formulation and application of transformation finance standards in Guangzhou, promoting more replicable transformation finance models in collaboration with third-party institutions [3].

Core Insights - The 2025 Global Bank Top 1000 list published by "The Banker" magazine highlights the strong performance of Guangdong's banking sector, with 17 banks making the list, representing 11.9% of the total Chinese banks included [1][2]. Group 1: Bank Rankings and Performance - Among the 17 banks from Guangdong, there are 3 national joint-stock banks, 1 private bank, 5 city commercial banks, and 8 rural commercial banks [3]. - The three national joint-stock banks are ranked globally as follows: China Merchants Bank at 8th with total assets of 12.15 trillion yuan, Ping An Bank at 33rd with total assets of 5.77 trillion yuan, and Guangfa Bank at 60th with total assets of 3.64 trillion yuan [3]. - The private bank, WeBank, rose 28 places to rank 227th [3]. Group 2: Regional Distribution and Characteristics - The majority of the 17 banks are registered in the Greater Bay Area, with 15 located in nine cities, including Shenzhen and Guangzhou, which lead in the number of banks [5][6]. - Shenzhen hosts two major joint-stock banks and a notable private bank, while Guangzhou is home to Guangfa Bank and the top rural commercial bank in the province [5][6]. Group 3: Financial Contributions and Growth - In 2024, Guangdong's financial industry added value reached 1.24 trillion yuan, accounting for 8.8% of the province's GDP [4]. - As of the end of the first quarter, Guangdong's total loans amounted to 29.3 trillion yuan, with a year-on-year growth of 3.9%, and total deposits reached 37.3 trillion yuan, growing by 2.6% [7].

Core Viewpoint - The article emphasizes the importance of the "Hundred Counties, Thousand Towns, and Ten Thousand Villages High-Quality Development Project" (referred to as "Hundred Thousand Project") in addressing the regional development imbalance in Guangdong, with a focus on the role of financial institutions like Guangzhou Rural Commercial Bank in supporting this initiative [1][2]. Financial Performance - Guangzhou Rural Commercial Bank reported a revenue of 15.83 billion yuan and a net profit of 2.42 billion yuan for 2024, with total assets amounting to 1.36241 trillion yuan and total loans and advances of 720.23 billion yuan [1]. - The bank's agricultural loan balance reached 40.14 billion yuan, showing steady growth, with 21,000 agricultural clients and a 26.4% increase in the number of supported agricultural enterprises since the beginning of the year [1]. Strategic Initiatives - The bank has established a dedicated working group for the "Hundred Thousand Project" to align its operations with the project's goals, enhancing its financial services for rural and regional development [2][3]. - A focus on product innovation and differentiation is emphasized, with the bank aiming to avoid homogeneous competition with larger banks by enhancing its product offerings and meeting diverse customer needs [2][3]. Channel and Network Development - Guangzhou Rural Commercial Bank has established 531 branches and 141 rural financial service stations in Guangzhou, leading in coverage within the city [3]. - The bank plans to implement a three-year plan to enhance the competitiveness of its branches and improve rural financial services [3]. Product Innovation - The bank has introduced a "2+3+N" corporate credit product system and a "3+N" inclusive small loan product system, targeting key industries and regions [4][5]. - Specific products include the "Rural Revitalization Excellent Agricultural Loan" with a maximum credit limit of 50 million yuan, and loans for the flower planting industry and rural tourism projects, demonstrating a commitment to supporting local industries [5][6]. Policy Utilization - In 2024, the bank utilized over 4 billion yuan in agricultural re-loan policy funds and nearly 10 billion yuan in small re-loan policy funds, significantly impacting agricultural and small business loans [6]. - The bank's efforts have led to a reduction in the average interest rates for agricultural and small business loans, benefiting over 1,000 agricultural households and supporting more than 3,600 small and private enterprises [6].