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。 中國廣州 2025年11月4日 於本公告日期，董事會包括三位執行董事蔡建先生、鄧曉雲女士及譚波先生；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、鄭國 堅先生、張華先生、馬學銘先生。 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） 暫停辦理股份過戶登記手續 廣州農村商業銀行股份有限公司*（「本行」）擬於2025年11月21日（星期五）舉行 2025年第一次臨時股東大會（「臨時股東大會」）。 為確定有權出席臨時股東大會並於會上投票的H股股東名單，本行擬於2025年11 月18日（星期二）起至2025年11月21日（星期五）（包括首尾兩天）暫停辦理股份過 戶登記手續。本行H股 ...

近日，广州农商行发布2025年第三季度信息披露报告。数据显示，2025年前三季度，广州农商行实现营 收110.2亿元，同比下降2.35%；净利润达17.22亿元，同比下降18.73%，营收、净利润延续了前两年"双 降"趋势。 近两年，广州农商行先后启动了"效益提升年""资产效益年"活动，重点提及要提升经营效益、盈利能 力，但2025年前三季度该行营收、净利润依旧未能摆脱下行压力。2025年10月末，广州农商行召开2025 年三季度工作会议，会议再次强调要"全力以赴实现效益正增长目标"。 除了优化资产负债结构，资产风险管理是广州农商行难以忽视的任务。2025年10月，广州农商行公告 称，公司董事会已批准一项潜在非常重大出售事项——拟转让合计约189.28亿元的债权资产。 据公告，此次出售的资产近年来表现不佳，处于持续亏损状态。2023财年及2024财年，该资产税前分别 净亏损5.09亿元、10.6亿元，税后分别净亏损3.81亿元、7.95亿元。 结合此前公告，自2023年以来，广州农商行已经连续3年甩卖百亿元资产。截至2025年上半年末，广州 农商行不良率为1.98%，较去年末上升0.32个百分点。 "紧盯风险 ...

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10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」) 呈交日期: 2025年11月4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 | | 2. 股份 ...

广州农商银行(01551)发布公告，2025年前三季度，营业收入110.2亿元;净利润17.22亿元。截至2025年九 月末，集团资本充足率13.40%，一级资本充足率10.56%，核心一级资本充足率9.10%，满足监管要求。 ...

Core Viewpoint - Guangzhou Rural Commercial Bank reported its financial results for the nine months ending September 30, 2025, showing significant revenue and profit figures [1] Financial Performance - The bank's revenue for the first three quarters was approximately 11.02 billion yuan [1] - The net profit for the same period was around 1.722 billion yuan [1] Capital Adequacy - As of the end of September 2025, the group's capital adequacy ratio stood at 13.40% [1] - The Tier 1 capital adequacy ratio was 10.56% [1] - The core Tier 1 capital adequacy ratio was 9.10%, which meets regulatory requirements [1]

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） 截至二零二五年九月三十日止九個月之財務資料概要 本公告乃由廣州農村商業銀行股份有限公司*（「本行」）根據香港法例第571章證 券及期貨條例第XIVA部項下之內幕消息條文及《香港聯合交易所有限公司證券上 市規則》第13.09(2)(a)條及第13.10B條作出。 根據中華人民共和國（「中國」）相關法律及法規，因本行發行資本債券，本 行連同其附屬公司（統稱「本集團」）截至二零二五年九月三十日止九個月未 經審核的財務資料概要（「資料」）已刊載於銀行間市場清算所股份有限公司 （ https://www.shclearing.com.cn ）及中國外匯交易中心暨全國銀行間同業拆借中心 （ http://www.chinamone ...

Core Viewpoint - Guangzhou Rural Commercial Bank is facing significant challenges, including a request for employees to return holiday bonuses, which may reflect broader issues in the banking sector regarding performance and compensation amid declining profits and asset quality pressures [4][10][25]. Employee Compensation and Requests - The bank has requested employees to return approximately 14,000 yuan in holiday bonuses issued over the past three years, potentially totaling around 180 million yuan, which represents about 13% of the bank's net profit for the first half of 2025 [5][10][12]. - The bank's response to this request is framed as an effort to "standardize the issuance of allowances and benefits" [12]. - Employee compensation has been declining, with total employee compensation for 2024 reported at 4.074 billion yuan, a decrease of 5.53% year-on-year [22]. Financial Performance - The bank's revenue has decreased from 22.5 billion yuan in 2022 to 15.8 billion yuan in 2024, with net profit dropping from 3.5 billion yuan to 2.1 billion yuan during the same period [25]. - In the first half of 2025, the bank reported a revenue increase of 9.24% to 8.024 billion yuan, but net profit fell by 6.83% to 1.374 billion yuan, marking the fourth consecutive year of declining mid-year profits [25][26]. Asset Quality and Risk Management - The bank's non-performing loan (NPL) ratio rose to 1.98% in the first half of 2025, reversing a two-year downward trend [28]. - The bank is actively engaged in asset sales to manage risk, with a recent announcement of a potential sale of debt assets valued at approximately 12.2 billion yuan [33][35]. - The bank has transferred a total of 48.11 billion yuan in debt assets since 2023, indicating a strategy to alleviate pressure on asset quality [36]. Industry Context - The banking sector is experiencing tightening profit margins and performance pressures, leading to a trend of "reverse salary requests" where banks seek to reclaim bonuses from employees due to performance issues [6][14]. - The bank's performance is notably weaker compared to its peers, with its net profit significantly lower than other major rural commercial banks [25][26].

Core Viewpoint - The article discusses the recent controversy surrounding Guangzhou Rural Commercial Bank's demand for employees to return holiday bonuses, highlighting the bank's financial struggles and the implications for employee morale and industry practices [3][5]. Group 1: Employee Refunds - Guangzhou Rural Commercial Bank is requesting employees to return holiday bonuses totaling approximately 1.4 million yuan per person, which could amount to around 180 million yuan if all employees comply [9][10]. - The bank justifies this action as a means to "further standardize the distribution of allowances and benefits" and claims it is in line with relevant regulations [11][18]. - Employees have expressed dissatisfaction, with many sharing their grievances on social media, indicating a growing discontent within the workforce [11][13]. Group 2: Financial Performance - The bank's total employee compensation for 2024 is projected to be 4.074 billion yuan, reflecting a 5.53% decrease year-on-year, marking the second consecutive year of decline [20][21]. - From 2022 to 2024, the bank's revenue decreased from 22.5 billion yuan to 15.8 billion yuan, and net profit dropped from 3.5 billion yuan to 2.1 billion yuan [23]. - In the first half of 2025, despite a 9.24% year-on-year revenue increase to 8.024 billion yuan, net profit fell by 6.83% to 1.374 billion yuan, indicating ongoing profitability challenges [23][26]. Group 3: Asset Quality Concerns - The bank's non-performing loan (NPL) ratio rose to 1.98% in the first half of 2025, reversing a two-year downward trend, with a significant portion of overdue loans posing a high risk of default [28][29]. - The bank is actively engaging in asset sales to mitigate risk, with plans to publicly auction a batch of debt assets valued at approximately 12.2 billion yuan [30][32]. - This marks the third consecutive year of significant asset disposals, with total debt transferred since 2023 reaching 48.11 billion yuan [32].

Core Viewpoint - Guangzhou Rural Commercial Bank has requested employees to return holiday bonuses issued since 2022, totaling nearly 14,000 yuan, which has sparked widespread public attention [1][3] Group 1: Company Response and Regulations - The bank stated that this action is aimed at further standardizing the distribution of allowances and benefits to ensure compliance with relevant regulations [1][3] - According to the revised guidelines for grassroots union fund management in Guangdong Province, holiday gifts should not exceed 3,000 yuan per person annually and cannot be in cash or vouchers [3][4] Group 2: Tax Implications - Employees have already paid individual income tax on the holiday bonuses, raising questions about how these taxes will be handled upon the return of the bonuses [3][4] - Legal experts assert that the bank is responsible for assisting employees in processing tax refunds for the amounts already taxed [3][4] Group 3: Industry Context - The practice of reclaiming holiday bonuses has occurred previously in the banking industry, with instances of banks requesting the return of bonuses due to compliance issues [6][8] - The concept of "reverse salary recovery" has become a common management mechanism in the banking sector, where banks reclaim performance-related pay from employees due to misconduct or risk exposure [8][6] Group 4: Future Trends - Experts suggest that while the recovery of holiday bonuses may not become a widespread practice, the management of welfare benefits will continue to be strengthened [8]

Core Viewpoint - Guangzhou Rural Commercial Bank's demand for employees to return holiday bonuses issued since 2022 has sparked widespread public concern, with some employees reportedly needing to return a total of approximately 14,000 yuan [2][3]. Group 1: Company Response and Regulations - The bank stated that the action is aimed at further standardizing the issuance of allowances and benefits to ensure compliance with relevant regulations [3]. - According to the revised guidelines for grassroots union fund management in Guangdong Province, holiday gifts should not exceed 3,000 yuan per person annually and cannot be issued in cash or vouchers [3]. - The bank has a responsibility to assist employees in handling tax refunds for the holiday bonuses that have already been taxed [4]. Group 2: Tax Implications - Employees who have already paid personal income tax on the returned holiday bonuses should be eligible for a tax refund, as the income no longer exists [4]. - The bank, as the withholding agent, is required to provide tax authorities with refund proof and correct declarations [4]. Group 3: Industry Context - The practice of reclaiming holiday bonuses has occurred in the banking industry before, with instances of banks requesting former employees to return holiday payments due to compliance issues [5]. - The concept of "reverse salary recovery" has become a common management mechanism in the banking sector, where banks reclaim performance-related pay from employees due to misconduct or risk exposure [6]. - Experts suggest that while the recovery of holiday bonuses may not become a widespread trend, the management of welfare compliance will continue to strengthen in the industry [6].