Core Viewpoint - Guangzhou Rural Commercial Bank reported steady growth in its 2025 annual report, emphasizing high-quality development and a focus on supporting local economic growth through innovative financial services [1][2]. Financial Performance - As of the end of 2025, the bank's total assets reached 1,380.08 billion yuan, a growth of 1.29% from the beginning of the year - Total customer deposits amounted to 1,008.27 billion yuan, with an increase of 2.94% - The bank achieved an operating income of 15.39 billion yuan and a net profit of 2.464 billion yuan, reflecting a year-on-year growth of 2% [1]. Support for Local Development - The bank integrates its development with the regional economic landscape, focusing on industrial finance, green finance, and services for small and micro enterprises - It has signed long-term strategic cooperation agreements with 561 enterprises under the "Win-Win Plan" and has a technology loan balance of 73.435 billion yuan, increasing by 5.125 billion yuan [2]. Green Finance Initiatives - The bank has introduced transformation financial loans in key industries such as aluminum, chemicals, and paper, with a green loan balance of 72.579 billion yuan, up by 11.909 billion yuan - The number of green loan clients increased by nearly 800, demonstrating a commitment to sustainable development [3]. Support for Elderly Financial Services - The bank has actively developed financial services for the elderly, maintaining the highest growth in mortgage loans among peers in Guangzhou - It has launched specialized deposit products and financial products tailored for the elderly, enhancing the quality of life for its customers [4]. Focus on Small and Medium-Sized Enterprises - The bank aims to become a leading commercial bank by enhancing its competitiveness in small and medium-sized asset businesses - It has restructured its product system and established a credit approval center to expedite the loan process, resulting in a 5.1 percentage point increase in the proportion of quality small and medium-sized loans [5][6]. Future Outlook - Looking ahead, the bank plans to continue aligning its services with local economic development, focusing on rural finance, technology finance, industrial finance, and retail finance to achieve high-quality growth [7].

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） 建議委任獨立非執行董事 林建浩先生，1984年生，中共黨員，中山大學金融學專業，博士研究生。中山 大學嶺南學院教授，博士生導師，嶺南學院院長，入選國家級人才計劃、入選財 政部宏觀研究人才庫。兼任中山大學粵港澳大灣區數字經濟與數據科學實驗室主 任、中山大學數字經濟與政策研究院院長、中山大學數字人文聯合研究院副院 長。擔任全國數字經濟專業學位研究生教育指導委員會委員、《金融學季刊》副主 編、《統計研究》編委、《計量經濟學報》編委、中國數量經濟學會常務理事、廣東 經濟學會常務副會長、廣東省數字經濟學會副會長、廣東省人工智能與機器人產 業聯盟專家委員會委員、數字廣東建設專家委員會委員。 林先生已確認，其就提名並無不同意見。其擔 ...

EF001 | 代扣所得稅信息 | | | | | --- | --- | --- | --- | | | | 有關H股股東股息所涉及的代扣代繳所得稅信息之詳情請參考本行之 2025年度業績公告 | | | | 內「股息稅項」及「稅項減免」章節。 | | | | | 股東類型 | 稅率 | 有關代預扣所得稅之更多補充 | | | | | （如適用） | | | 非居民企業 | | | | | （非中國內地登記地址） | 10% | 對於名列H股股東名冊的非居民企 | | | | | 業股東，本行暫按10%的稅率代扣 | | | | | 代繳企業所得稅，實際稅率依照稅 | | | | | 收協議的規定辦理。 | | | 非個人居民 | | | | | （非中國內地登記地址） | 10% | 對與中國訂立低於10%稅率協議國 | | | | | 家的非居民H股個人股東，由本行 | | 股息所涉及的代扣所得稅 | | | 代為辦理享受有關協議待遇的申 請。 | | | | | 對與中國訂立10%稅率協議國家的 | | | | | 非居民H股個人股東，本行按10% | | | | | 稅率代扣代繳個人所得稅。 | | ...

Financial Performance - The total asset scale of Guangzhou Rural Commercial Bank reached RMB 1.38 trillion by the end of 2025, indicating a solid growth trajectory[8]. - The bank's net profit showed growth, contributing to a positive operational foundation for becoming a first-class commercial bank[8]. - Total assets of Guangzhou Rural Commercial Bank increased to 1.38 trillion yuan, with net profit growing by 2% year-on-year, achieving both scale and efficiency growth[15]. - Net profit for 2025 reached RMB 2,463.93 million, reflecting a 2.00% increase from RMB 2,415.54 million in 2024[31]. - The total operating income decreased by 2.79% to RMB 15,390.00 million from RMB 15,831.68 million in 2024[31]. - The non-performing loan ratio increased to 1.86% in 2025 from 1.66% in 2024, indicating a 0.20% rise[32]. - The coverage ratio for provisions decreased to 161.85% in 2025 from 184.34% in 2024, a decline of 22.49%[32]. - The capital adequacy ratio for 2025 was 13.98%, down from 14.52% in 2024, a decrease of 0.54%[32]. - The loan-to-deposit ratio improved to 70.03% in 2025 from 73.53% in 2024, a reduction of 3.50%[32]. - The group achieved operating income of RMB 15.39 billion and a net profit of RMB 2.46 billion, with a year-on-year growth of 2.00%[36]. Loan and Deposit Growth - The proportion of small and medium-sized loans in customer loans significantly increased, enhancing the bank's competitive edge in this segment[9]. - Over 12,000 new small and medium-sized loan customers were added, enhancing both business structure and customer base quality[15]. - The bank supported over 22,000 agricultural customers, with agricultural loans reaching 42 billion yuan, contributing to rural revitalization efforts[16]. - The bank's small and medium-sized loan growth rate exceeded 15% for two consecutive years, becoming a core engine for profit growth[17]. - The total customer deposits amounted to RMB 1,008.27 billion, an increase of RMB 28.81 billion, or 2.94% from the beginning of the year[35]. - The total amount of loans and advances as of December 31, 2025, was RMB 706,058.32 million, a decrease of RMB 141.76 million or 1.97% from 2024[72]. - The bank's mortgage loan growth maintained the highest in Guangzhou, with a focus on enhancing customer living standards[16]. - The balance of inclusive micro-enterprise loans reached CNY 62.139 billion, an increase of CNY 10.471 billion, representing a growth rate of 20.26% compared to the beginning of the year[44]. Digital Transformation and Innovation - The bank's digital transformation accelerated, enhancing its ability to serve various market entities[8]. - The company is advancing digital transformation, launching new online products, and enhancing intelligent customer marketing systems[20]. - The bank's digital financial services were enhanced through the application of big data and AI, improving operational management and business analysis capabilities[48]. - The company implemented a digital transformation strategy, launching a one-stop loan function in its mobile banking app, significantly simplifying the loan application process[120]. - The mobile banking platform has reached 5.167 million customers, reflecting a 10.2% increase since the beginning of the year, and has introduced new features to enhance user experience[132]. Risk Management and Compliance - The company is enhancing risk management and compliance systems to mitigate key area risks and maintain asset quality[20]. - The company has established a comprehensive risk management framework, with the board of directors ultimately responsible for risk management and various committees overseeing implementation[136]. - The company has strengthened risk management by enhancing monitoring and analysis, ensuring asset quality control responsibilities are firmly implemented at the business front and operational level[134]. - The bank has strengthened compliance risk management by revising compliance management methods and establishing a chief compliance officer mechanism[144]. - The overall country risk remains controllable, with the bank continuing to strengthen compliance risk management in response to complex external conditions[149]. Awards and Recognition - The company received the "TOP10 Rural Commercial Bank Retail Banking Award" at the 2024 RBA 8th Retail Banking Awards[28]. - Achieved the status of a "Green Financial Benchmark Demonstration Unit" in Guangzhou for 2024[28]. - Recognized as an "Outstanding Organization" in the 2024 Guangzhou "Financial Village Official" initiative[28]. - Awarded the 2024 Guangdong Poverty Alleviation Red Cotton Cup Silver Award by the Guangdong Provincial Party Committee[28]. - The bank's retirement financial service case won the "Outstanding Innovation Case in Retirement Finance" award for 2025[47]. Strategic Initiatives - The bank aims to enhance its market share and contribution of small and medium-sized asset businesses, positioning its outlets as comprehensive service nodes in the regional market[18]. - The company aims to become a leader in high-quality development among small and medium-sized banks during the 14th Five-Year Plan period[20]. - The bank plans to enhance its financial service system and implement five key initiatives to improve business quality and risk management[50]. - The bank has established long-term strategic cooperation agreements with 561 enterprises under the "Win-Win Plan" to enhance support for technology enterprises[38]. Community and Rural Support - The bank is committed to supporting rural revitalization and the real economy, with a focus on integrated financial services and strategic industry support[12]. - The bank's "Village Capital Treasure" service approved 38,000 rural collective fund applications, benefiting over 290,000 villagers[106]. - The bank has applied for over CNY 19.999 billion in People's Bank of China re-loans for supporting agriculture and small enterprises, benefiting over 6,204 farmers, agricultural enterprises, and small and micro enterprises[169]. Corporate Governance - The board of directors includes 15 members, with a mix of executive and non-executive directors, and independent directors[198]. - The current chairman and executive director is Cai Jian, who has been in position since March 2021[198]. - The company has a diverse leadership team, including 5 female executives among the board members[198]. - The company emphasizes the importance of compliance and legal oversight with the appointment of a chief legal advisor[199].

Guangzhou Rural Commercial Bank Co., Ltd.* 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。 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） 董事會會議通告 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 會議將於二零二六年三月二十七日（星期五）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十二月三十一日止年度業績及其發佈，並考慮建 議派發末期股息（如有）。 承董事會命 廣州農村商業銀行股份有限公司* 董事長 蔡建 中國廣州 二零二六年三月十七日 於本公告日期，董事會包括三位執行董事蔡建先生、鄧曉雲女士、譚波先生；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、朱桂 龍先生、張華先生及馬學銘先生。 * 廣州農村商業銀 ...

Core Viewpoint - The recent transfer of shares in Guangzhou Rural Commercial Bank from China Merchants Bank to Citibank indicates a significant shift in shareholder structure, with a market value of HKD 521 million, representing 13.08% of the bank's total shares [1] Group 1: Shareholder Changes - On March 11, Guangzhou Rural Commercial Bank's shares were transferred from China Merchants Bank to Citibank, reflecting a strategic repositioning among major shareholders [1] - The market capitalization of the shares involved in the transfer is HKD 521 million, which constitutes 13.08% of the bank's total shares [1] Group 2: Corporate Governance - Guangzhou Rural Commercial Bank has received approval from the Guangdong Regulatory Bureau of the National Financial Supervisory Administration for Mr. Zhu Guilong to serve as an independent director [1] - Mr. Zhu's term is set to begin on February 14, 2026, and will last until the end of the fourth board of directors' term, with the possibility of re-election [1]

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: 2026年2月28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」) 呈交日期: 2026年3月5日 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 | 本月底法定/註冊股 ...

Core Viewpoint - The "Yiqi Gongying Plan" initiated by Guangzhou aims to enhance the modern industrial system through comprehensive financial innovation services, with Guangzhou Rural Commercial Bank playing a pivotal role in this initiative [1][8]. Group 1: Financial Innovation and Support - By the end of 2025, Guangzhou Rural Commercial Bank has established partnerships with 561 enterprises, with a total signed amount exceeding 22 billion yuan, leading among pilot banks [1]. - The bank focuses on early, small, and hard technology investments, directing 100% of funds towards Guangzhou's "12218" modern industrial system [1]. - The bank has redefined its financial logic to support high-tech "light asset" companies, assessing their value based on technology and growth potential rather than traditional collateral [2]. Group 2: Tailored Financial Products - Guangzhou Rural Commercial Bank has developed a matrix of 26 specialized financial products to cover the entire lifecycle of enterprises, addressing specific needs at different growth stages [4][5]. - The bank has introduced innovative loan products linked to carbon footprints, offering lower interest rates for companies with reduced carbon emissions, exemplified by a 30 million yuan loan to Hongbang Aluminum [4]. Group 3: Ecosystem and Long-term Partnerships - The bank aims to break traditional credit boundaries, positioning itself as a resource integration platform and a strategic partner for enterprises throughout their lifecycle [6]. - It has established collaborations with various financial institutions to explore new financing models, enhancing the breadth of capital sources available to businesses [6][7]. - The bank actively utilizes government policies to convert them into tangible financial support for enterprises, thereby enhancing the effectiveness of policy benefits [7]. Group 4: Economic Growth and Industrial Development - Guangzhou Rural Commercial Bank is committed to serving the real economy, using the "Yiqi Gongying Plan" as a core engine to provide precise financial support to the modern industrial system [8].

Core Viewpoint - Guangzhou Rural Commercial Bank has received approval from the Guangdong Regulatory Bureau of the National Financial Supervision Administration for the appointment of Mr. Zhu Guilong as an independent director, effective from February 14, 2026, until the end of the current board's term, with the possibility of re-election thereafter [1] Group 1 - The approval for Mr. Zhu Guilong's appointment as an independent director has been officially granted [1] - His term will last until the end of the fourth board's term, indicating a stable governance structure [1] - The possibility of consecutive re-elections suggests confidence in Mr. Zhu's capabilities and the bank's commitment to maintaining experienced leadership [1]

Group 1 - Guangzhou Rural Commercial Bank has received approval from the Guangdong Regulatory Bureau of the National Financial Supervision Administration for Mr. Zhu Guilong to serve as an independent director [1] - Mr. Zhu's term will commence on February 14, 2026, and will last until the end of the fourth board of directors' term, with the possibility of re-election [1]