Core Viewpoint - Guangzhou Rural Commercial Bank has conditionally agreed to sell its credit assets, which include loans, and is seeking shareholder approval for this transaction [1] Summary by Relevant Sections Transaction Details - The board of directors approved the transaction on October 9, 2025, and will seek shareholder authorization at an extraordinary general meeting [1] - The assets being sold include the bank's credit assets, specifically loans, along with associated rights and obligations [1] Financial Information - As of June 30, 2025, the principal amount of the assets to be sold is approximately RMB 14.978 billion, with corresponding interest amounting to about RMB 3.897 billion, judicial fees of approximately RMB 0.051 billion, and penalties totaling around RMB 0.002 billion, leading to a total debt amount of approximately RMB 18.928 billion [1] Strategic Implications - The completion of this transaction will transfer ownership of the assets from the bank to the buyer, allowing the bank to receive cash compensation [1] - This transaction is expected to enhance the bank's risk resilience, improve operational efficiency and profitability, and optimize its business structure and asset quality, laying a foundation for stable operations and long-term development [1]

Core Viewpoint - Guangzhou Rural Commercial Bank has announced a conditional agreement to sell its credit assets, which includes loans, with the aim of enhancing its risk resilience, operational efficiency, and profitability while optimizing its business structure and asset quality [1] Summary by Relevant Sections Transaction Details - The board of directors approved the transaction on October 9, 2025, and will seek shareholder approval at a temporary general meeting [1] - The assets being sold include credit assets with a principal amount of approximately RMB 14.978 billion, interest amounting to about RMB 3.897 billion, judicial costs of approximately RMB 0.051 billion, and penalties totaling around RMB 0.002 billion, leading to a total debt amount of approximately RMB 18.928 billion [1] Impact on the Bank - Upon completion of the transaction, ownership of the assets will transfer from the bank to the buyer, and the bank will receive corresponding cash compensation [1] - The transaction is expected to significantly enhance the bank's risk resilience, improve operational efficiency and profitability, and lay a foundation for stable operations and long-term development [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） 有關潛在非常重大出售事項之 建議授權 建議出售事項及建議授權 董事會謹此宣佈，於2025年10月9日，董事會批准本次交易，據此，本行有條 件同意出售所出售資產，同時，董事會提議提請在臨時股東大會上尋求股東批 准建議授權，並由董事會轉授權其他相關人士共同或單獨全權處理本次交易有 關事項以使董事會及授權人士能夠於授權有效期出售所出售資產。 本行將就建議出售事項之建議授權的後續進展適時作出進一步公告。 《上市規則》的涵義 根據《上市規則》第14.22條，如一連串交易全部均於12個月內完成或屬彼此相 關者，則該等交易應合併計算，並視作一項事務處理。由於此次擬進行的建議 出售事項的潛在受讓方與先前資產轉讓事項的受讓方廣州資產管理 ...

公司名稱: 廣州農村商業銀行股份有限公司 (「本行」) 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9月30日 狀態: 新提交 致：香港交易及結算所有限公司 呈交日期: 2025年10月8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. 股份分 ...

Capital and Structure - The registered capital of Guangzhou Rural Commercial Bank is RMB 14,409,789,327[5]. - The total share capital of the company is 14,409,789,327 shares, with domestic shares accounting for 81.44% and H-shares for 18.56%[139]. - The company has increased its registered capital for its wholly-owned subsidiary, Pearl River Financial Leasing Co., Ltd., from 1 billion to 1.5 billion yuan[133]. - The total number of employees in the group is 13,029, with 12,604 under labor contracts and 425 as dispatched workers[179]. - The board of directors consists of 14 members, including 2 executive directors and 5 independent non-executive directors[168]. Financial Performance - The company achieved a revenue of 273 million in the 2025 global banking brand value ranking, placing it at 273rd[10]. - Net profit for the period was RMB 1,510.00 million, a decrease of 11.21% compared to the previous year[13]. - Operating income increased to RMB 8,037.46 million, reflecting a year-on-year growth of 9.41%[19]. - In the first half of 2025, the company achieved a net profit of RMB 1.51 billion, a decrease of RMB 190.64 million or 11.21% compared to the same period last year[31]. - The net profit for the first half of 2025 was RMB 8,037.46 million, representing a 9.4% increase compared to RMB 7,345.96 million in the same period of 2024[77]. Assets and Liabilities - Total assets reached RMB 1,406.71 billion, an increase of 3.25% compared to the beginning of the year[19]. - Total liabilities amounted to RMB 1,304.46 billion, growing by 3.57% year-to-date[19]. - Customer deposits reached RMB 1,014.76 billion, accounting for 77.80% of total liabilities, reflecting a significant increase compared to the previous year[58]. - The total amount of normal loans was RMB 653.83 billion, representing 91.15% of total loans[64]. - The total loans and advances decreased by RMB 2.89 billion, a decline of 0.40%, totaling RMB 717.34 billion as of June 30, 2025[51]. Loan and Deposit Activities - Small and micro loans reached RMB 215 billion, growing by 9.6% year-to-date[20]. - The loan-to-deposit ratio was 70.69%, a decrease of 2.84 percentage points[15]. - The balance of inclusive small and micro enterprise loans reached CNY 56.44 billion, with a growth rate of 9.24%[26]. - The company has issued CNY 21.64 billion in loans to over 30,000 small and micro enterprises, ranking fifth among peers in Guangzhou[25]. - The bank's agricultural loans balance reached 41.484 billion yuan, an increase of over 1.3 billion yuan, with a growth rate of 3.36%[94]. Risk Management - The overall credit risk remains controllable, with non-performing loan ratio and non-performing asset ratio meeting regulatory requirements[115]. - The company has established a market risk management system that actively manages interest rate and exchange rate risks, ensuring that all key market risk indicators are met[117]. - The company has optimized its credit approval processes and enhanced post-loan management to prevent misuse of funds and improve risk monitoring capabilities[115]. - The company has established a comprehensive risk management framework and clearly defined the responsibilities of various departments in risk management[199]. - The company has conducted quarterly liquidity risk stress tests to assess its capacity to withstand liquidity pressures[118]. Digital Transformation and Technology - The company has implemented 212 RPA application scenarios to enhance office efficiency as of the end of the reporting period[30]. - The company is actively promoting data management systems and enhancing data governance to improve regulatory reporting quality[30]. - The company has developed various AI models for customer management, product marketing, and loan risk management to support business development[30]. - The company is focusing on digital transformation with a strategic plan for 2025-2027, aiming to enhance core competitiveness in small asset businesses and improve risk control levels[110]. - The company has established a robust reputation risk management system, conducting real-time monitoring and proactive response measures[127]. Awards and Recognition - The company was awarded the "TOP10 Rural Commercial Bank Retail Banking Award" at the 2024 RBA 8th Retail Banking Awards[10]. - The company received recognition for its innovative financial consumer protection and service case in March 2025[10]. - The company was recognized as an excellent mixed-asset management rural commercial bank in June 2025[10]. - The company was awarded the 2025 Guangdong Green Financial Reform Innovation Promotion Case in June 2025[10]. - The company has been recognized as a top ten achievement in technology finance development in Guangzhou for 2024[22]. Shareholder Information - The top ten shareholders collectively hold 51.78% of the company's shares, with the largest shareholder, Guangzhou Financial Holdings Group Co., Ltd., holding 8.29%[143]. - The company has 29,101 domestic shareholders, with 720 being legal entity shareholders and 28,381 being individual shareholders[142]. - Major shareholders Guangzhou Financial Holdings Group and Guangzhou Metro Group hold 1,194,271,140 shares and 722,950,000 shares respectively, both exceeding 5% of total shares[158]. - The company does not have a controlling shareholder or actual controller, indicating a dispersed ownership structure[148]. - As of the end of the reporting period, 152,991,211 shares (1.06% of total shares) are subject to judicial freeze, and 665,981,832 shares (4.62% of total shares) are pledged[159]. Corporate Governance - The company has established a comprehensive internal control system, with the board of directors responsible for its implementation and oversight[130]. - The company is committed to maintaining compliance with legal and regulatory requirements in its operations[191]. - The board of directors held a total of 5 meetings during the reporting period, reviewing 64 proposals and listening to 22 reports[193]. - The independent non-executive directors emphasized compliance with laws and regulations, ensuring that related transactions were conducted fairly and reasonably[194]. - The supervisory board is responsible for evaluating the performance of directors and senior management, ensuring accountability and compliance[196].

Group 1 - The opening of the Guangzhou Metro Line 13 Phase II is a significant step in reshaping the eastern development pattern of Guangzhou, connecting key areas such as Tianhe, Huangpu, and Zengcheng [1][2] - The new line spans approximately 33.8 kilometers with 23 underground stations, enhancing the operational service level of the city's rail transit network and alleviating passenger pressure on Line 5 [2] - There is a strategic alignment between the metro line and the geographical distribution of Guangzhou Rural Commercial Bank's branches, with 14 out of 15 stations located within 1 kilometer of a bank branch, facilitating convenient financial services for citizens [2][3] Group 2 - Guangzhou Rural Commercial Bank's brand train serves as a mobile financial service station, offering various innovative loan products and services tailored to the diverse financial needs of residents in Zengcheng and Huangpu [3][4] - The bank has a total asset amount of 1,406.706 billion yuan and a deposit balance of 1,014.758 billion yuan as of June 30, 2025, with a revenue of 8.037 billion yuan, reflecting a year-on-year growth of 9.41% [3] - The bank actively supports local economic development, having signed long-term strategic cooperation agreements with 332 enterprises, with a total credit amount of 10.65 billion yuan [3][4] Group 3 - The integration of financial services into the daily lives of citizens is enhanced by the metro line's expansion, improving accessibility and convenience for users [5] - The bank's commitment to follow the city's development pace and enhance financial service levels is evident, contributing to the economic and social development of Guangzhou [5] - The mission of "Creating a Better Life Together" is embedded in the urban development pulse as the bank leverages the metro network to bring financial services closer to the community [5]

Core Viewpoint - Guangzhou Rural Commercial Bank has received approval from the Guangdong Regulatory Bureau of the National Financial Supervision Administration for Mr. Tan Bo to serve as a director, with a term starting from September 23, 2025, until the end of the fourth board term, with the possibility of re-election thereafter [1] Company Summary - The approval for Mr. Tan Bo's directorship indicates a strategic move in the bank's governance structure, potentially impacting its future direction and decision-making processes [1] - The term of Mr. Tan Bo will last until the completion of the fourth board term, suggesting stability in leadership during this period [1] - The possibility of re-election after the term indicates a flexible governance approach, allowing for continuity in leadership if deemed beneficial [1]

Guangzhou Rural Commercial Bank Co., Ltd.* 廣州農村商業銀行股份有限公司 * 廖文義先生 杜金岷先生 鄭國堅先生 張華先生 馬學銘先生 （於中華人民共和國註冊成立的股份有限公司） （股份代號：1551） 董事名單與其角色和職能 廣州農村商業銀行股份有限公司*董事會（「董事會」）成員載列如下。 執行董事： 蔡建先生 鄧曉雲女士 譚波先生 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 獨立非執行董事： 2 1 董事會設有五個委員會，下表提供各董事擔任有關委員會成員的資料。 | 董事委員會 | | 提名與薪酬 | 戰略與投資 | 關聯交易與 | 消費者權益 | | --- | --- | --- | --- | --- | --- | | | 審計委員會 | 委員會 | 委員會 | 風險管理 | 保護委員會 | | 董事 | | | （三農委員會） | 委員會 | | | 蔡建先生 | | | C | | | | 鄧曉雲女士 | | | M | | C | | 倪開先生 | | | | | M | | 左梁先生 | | | M ...

Core Viewpoint - Guangzhou Rural Commercial Bank has received approval from the Guangdong Regulatory Bureau of the National Financial Supervision Administration for Mr. Tan Bo to serve as a director, with a term starting from September 23, 2025, until the end of the fourth board term, with the possibility of re-election thereafter [1] Summary by Category - Company Announcement - The bank announced the approval of Mr. Tan Bo's appointment as a director [1] - His term will begin on September 23, 2025, and will last until the end of the fourth board term [1] - There is a provision for consecutive re-election after the term ends [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） 董事任職資格獲監管機構核准 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 2025年9月26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、 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》所界定的認可機構， 不受香港金融管理局的監督，亦未獲授權在香港經營銀行及╱或接受存款業務。 茲提述廣州農村商業銀行股份有限公司*（「本行」）日期為2025年3月28日的公 告，日期為2025年 ...