Core Viewpoint - Guangzhou Rural Commercial Bank reported a total asset of 1,406.706 billion yuan as of June 30, 2025, reflecting a growth of 3.25% compared to the beginning of the year [1] Financial Performance - Total liabilities reached 1,304.461 billion yuan, marking a 3.57% increase from the start of the year [1] - Total deposits amounted to 1,014.758 billion yuan, which is a 3.60% growth year-to-date [1] - The balance of loans and advances was 717.344 billion yuan, showing a slight decline of 0.4% compared to the beginning of the year [1] - The bank achieved an operating income of 8.037 billion yuan, representing a year-on-year increase of 9.41% [1] - Net profit stood at 1.510 billion yuan [1]

Financial Overview - Guangzhou Rural Commercial Bank reported a registered capital of RMB 14,409,789,327[8]. - The bank's interim results for the six months ending June 30, 2025, are prepared in accordance with International Financial Reporting Standards[3]. - The financial data presented in the announcement is based on the consolidated financial statements of the group[3]. - Net interest income for the first half of 2025 reached RMB 6,563.35 million, an increase of 4.68% compared to RMB 6,269.97 million in the same period of 2024[16]. - Total operating income increased by 9.41% to RMB 8,037.46 million from RMB 7,345.96 million year-on-year[16]. - Net profit attributable to shareholders decreased by 6.83% to RMB 1,374.27 million, down from RMB 1,475.09 million in the previous year[16]. - Total assets as of June 30, 2025, amounted to RMB 1,406,705.96 million, reflecting a growth of 3.25% from RMB 1,362,407.92 million at the end of 2024[16]. - The total liabilities amounted to RMB 1,304.461 billion, reflecting a growth of 3.57% compared to the start of the year[22]. - The total deposits reached RMB 1,014.758 billion, up 3.60% year-to-date[22]. - The bank's net profit for the first half of 2025 was RMB 1.51 billion, a decrease of RMB 190.64 million or 11.21% compared to the same period last year[34]. Asset Quality and Risk Management - The non-performing loan ratio increased to 1.98% from 1.66% year-on-year, indicating a decline in asset quality[18]. - The core Tier 1 capital adequacy ratio decreased to 9.41% from 9.90%, indicating a slight reduction in capital strength[18]. - The loan-to-deposit ratio decreased to 70.69% from 73.53%, suggesting a more conservative lending approach[18]. - The total amount of non-performing loans is RMB 14,219.23 million, with a non-performing loan rate of 1.98% for corporate loans and 3.55% for personal loans as of June 30, 2025[70]. - The overdue loans amount to RMB 51,093.05 million, representing 7.12% of total loans, which is an increase of 2.67 percentage points compared to the end of the previous year[74]. - The company has increased its efforts in risk resolution and non-performing asset disposal amid a challenging external environment[68]. - The bank's overall credit risk remains controllable, with non-performing loan ratio and non-performing asset ratio meeting regulatory requirements[117]. Business Operations and Strategy - The bank's main business scope includes monetary financial services[8]. - The bank operates subsidiaries such as Hunan Zhuzhou Rural Commercial Bank and Chaozhou Rural Commercial Bank, expanding its regional influence[11]. - The bank's expansion strategy includes establishing branches in key economic areas such as the Hengqin Guangdong-Macao Deep Cooperation Zone[10]. - The bank's focus on rural commercial banking through its subsidiaries highlights its commitment to serving underserved markets[11]. - The bank's transaction banking business promoted digital transformation, enhancing rural financial services and expanding supply chain finance offerings[85]. - The bank's corporate banking business emphasized support for key industries in Guangdong Province, aligning with local economic development strategies[83]. - The bank's retail loan business implemented 12 measures to boost consumer finance, including the launch of online consumer loan products, enhancing service efficiency and risk control[89]. Shareholder and Governance Structure - The bank's total share capital is 14,409,789,327 shares, with domestic shares accounting for 81.44% and H-shares for 18.56%[141]. - The bank's first major shareholder, Guangzhou Financial Holdings Group Co., Ltd., holds 8.29% of the total shares, while the second major shareholder, Guangzhou Metro Group Co., Ltd., holds 5.02%[145]. - The company has a dispersed equity structure with no controlling shareholder or actual controller as of the reporting period[150]. - The bank's governance practices comply with the Corporate Governance Code and relevant regulations, ensuring stakeholder rights and enhancing corporate value[185]. - The bank's board of directors consists of 14 members, including 2 executive directors and 5 independent non-executive directors[170]. - The company has appointed new directors, pending regulatory approval, to strengthen its governance structure[170]. - The bank's board of directors is responsible for formulating major management systems and monitoring business and financial strategies[190]. Digital Transformation and Innovation - The bank has implemented 212 RPA application scenarios to enhance office efficiency as of the end of the reporting period[33]. - The bank's digital transformation strategy is focused on enhancing core competitiveness in small and medium asset businesses and improving risk control capabilities[112]. - The bank's intelligent banking outlets numbered 459, with 606 smart devices deployed[106]. - The mobile banking customer base reached 4.921 million, reflecting a growth of 4.9% since the beginning of the year[108]. - The bank's digital transformation efforts included the development of a universal model for mortgage loans, enhancing the digital risk control system for inclusive finance[98]. Awards and Recognition - The bank received several awards, including the "Top 10 Rural Commercial Bank Retail Banking Award" in January 2025[13]. - The bank's wealth management business received multiple awards, including the "Outstanding Asset Management Agricultural Commercial Bank" and ranked in the top three for various capabilities in the first quarter of 2025[100]. Employee and Training Initiatives - The company has a total of 13,029 employees, with 12,604 under labor contracts and 425 as dispatched personnel[181]. - During the reporting period, the company organized 200 training projects, covering over 34,000 employees through various training methods[182]. - The company is focused on enhancing professional skills and organizational support for high-quality development, with training topics including risk management and financial technology[182].

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]

Core Viewpoint - Guangzhou Rural Commercial Bank is actively transferring personal non-performing loans (NPLs) as part of its strategy to manage asset quality, with a significant increase in the volume of NPLs over recent years [2][5][9]. Summary by Sections Non-Performing Loan Transfer - The bank announced the transfer of personal NPLs totaling 62.53 million yuan, involving 511 loans and 413 borrowers [2][3]. - Since 2025, the bank has launched five batches of personal NPL transfer projects, with a total debt amount of 1.185 billion yuan and 2,903 borrowers [5][9]. Loan Quality and Trends - As of the end of 2024, the personal loan NPL ratio reached 2.89%, having increased nearly threefold from 0.99% at the end of 2021 [5][9]. - The total amount of personal NPLs stood at 5.428 billion yuan, which is a 2.4 times increase compared to the end of 2021 [6][9]. Auction Details - The upcoming auction for the third batch of personal NPLs is scheduled for September 1, 2025, with a starting price of 2.2735 million yuan, equivalent to 0.36% of the total unpaid principal and interest [4][5]. Corporate Strategy - The bank is focusing on developing small and medium-sized asset businesses, aiming to enhance market share and product innovation [7][9]. - Despite the strategic shift towards smaller loans, the bank has faced challenges with rising NPL rates in personal loans, indicating potential risks in the new strategy [9]. Historical Context - The bank has previously sold significant amounts of corporate NPLs, with a notable transaction in December 2024 involving 9.993 billion yuan for 14.592 billion yuan of debt assets [6][7]. - The corporate NPL ratio decreased to 1.55% by the end of 2024, down from 2.7% in 2022, reflecting successful asset management efforts [7][9].

Group 1 - The company, Guangzhou Rural Commercial Bank, will hold a board meeting on August 28, 2025, to review and approve its interim results for the six months ending June 30, 2025 [1]

（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 ...

Core Viewpoint - Guangzhou Rural Commercial Bank is committed to green development as a guiding principle and development goal, leveraging its unique business advantages to support the real economy in the Guangdong-Hong Kong-Macao Greater Bay Area and promote green finance development [1][4]. Group 1: Regional Strategy and Support for the Real Economy - Guangzhou Rural Commercial Bank integrates the layout of the Greater Bay Area into its "14th Five-Year Plan" and annual strategic planning, demonstrating the responsibility of local state-owned enterprises in supporting local economic development [2]. - The bank has increased financial support for key projects, focusing on rural revitalization, financial poverty alleviation, private economy, inclusive small and micro enterprises, green credit, and technological innovation [2][3]. - As of the end of 2021, the bank supported 15 key construction projects in Guangdong Province with a credit balance of 3.757 billion yuan and 6 key projects in Guangzhou with a credit balance of 1.042 billion yuan [2]. Group 2: Green Finance Development - The bank has integrated green finance into its strategic planning, establishing a three-tier management mechanism to promote green credit business development [4]. - By the end of 2021, the bank's green credit balance reached 14.731 billion yuan, an increase of 3.438 billion yuan, representing a growth rate of 30.44% [4]. - The bank has launched various green financial products, including loans for carbon emission rights and rural revitalization, to support sustainable development [5]. Group 3: Technological Innovation and Inclusive Finance - Guangzhou Rural Commercial Bank has enhanced its financial service system through technological empowerment, meeting diverse and personalized financial needs [6]. - In 2021, the bank introduced 10 "Sui Good Service" and 113 "Yue Province Service" government service functions across 245 outlets, serving over 84,000 outdoor workers [6]. - The bank aims to continuously improve customer service systems and enhance financial service capabilities to support rural revitalization and the real economy [6][7].

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 ...