Group 1 - The 2025 "Data Element ×" competition's Guangdong division finals focused on financial services and healthcare, showcasing 63 projects that emerged from the preliminary rounds to explore innovative applications of data elements in key sectors [1][3] - The financial services track featured 30 teams addressing challenges such as financing difficulties, information asymmetry, and the digital transformation of financial enterprises, utilizing big data and AI to propose innovative service models and risk prevention solutions [1][3] Group 2 - The competition was guided by various governmental and financial regulatory bodies, including the Guangdong Provincial Government and the People's Bank of China, with support from local associations and technology firms [2] - Notable projects included a digital platform for financial dispute resolution by Guangdong Caihua Network Technology Co., which has processed 10 million data entries and alleviated pressure on local courts by handling 24,000 cases [3][4] - The "Data-Driven Financial Services for Small and Micro Enterprises" project led by Guangzhou Financial Holdings Digital Technology Co. aims to create a trusted data circulation platform, enhancing collaboration among financial institutions and promoting product innovation [4] Group 3 - Guangzhou's financial sector is a pillar of its economy, contributing 3,049 billion yuan to the GDP in 2024, with the Tianhe District accounting for over 51% of the city's financial output [6] - The establishment of the Guangdong Provincial Data Financial Service Center has significantly promoted financial innovation and supported economic transformation in the region [6][7] - Guangzhou has implemented a comprehensive data management system, accumulating over 90 billion public data entries, which has been recognized as a national model for data infrastructure [7] Group 4 - The evaluation process for the competition adhered to national standards, ensuring fairness and transparency, with awards distributed across various categories, and projects recommended for the national finals [8]

● 本报记者 吴杨 村镇银行改革重组步伐正在加快。日前，广东金融监管局批复同意广州农商银行吸收合并兴宁珠江村镇 银行。此外，今年以来，国有大行、农商银行等参与村镇银行合并重组案例频繁出现。 业内人士表示，在政策引导和银行自身发展动力的双重推动下，包括村镇银行在内的中小银行正迎来新 一轮整合潮，它们通过"减量提质"增强抗风险能力和区域竞争力。 万亿农商银行再现吸收合并 批复文件显示，广州农商银行不仅将承继兴宁珠江村镇银行清产核资后的业务、财产、债权债务及其他 一切权利义务，还将在吸收合并筹备事项完成后，按照有关程序和规定向监管部门申请或报告分支机构 开业等相关事项。 广州农商银行在2024年度股东大会上便提出吸收合并兴宁珠江村镇银行、鹤山珠江村镇银行、深圳坪山 珠江村镇银行，并将其设立为分支机构的议案。 除了吸收合并，广州农商银行还对部分村镇银行的股权进行转让。今年6月，该行以1.19亿元的价格， 将子公司三水珠江村镇银行33.40%的股权转让给广东顺德农商银行，交易完成后确认出售收益0.13亿 元。 珠江村镇银行是广州农商银行作为主发起行发起设立的各家村镇银行的总称。截至今年6月末，广州农 商银行在四川、山东 ...

北京商报讯(记者宋亦桐)9月10日，国家金融监督管理总局广东监管局发布《关于广州农村商业银行股 份有限公司吸收合并兴宁珠江村镇银行股份有限公司的批复》，同意广州农村商业银行股份有限公司吸 收合并兴宁珠江村镇银行股份有限公司，并承继兴宁珠江村镇银行股份有限公司清产核资后的业务、财 产、债权债务及其他一切权利义务。 国家金融监督管理总局广东监管局指出，吸收合并筹备事项完成后，广州农村商业银行股份有限公司应 按照有关程序和规定向监管部门申请或报告分支机构开业等相关事项；在吸收合并过程中，要做好预 案，确保人员、业务稳定，强化风险防控，防范舆情风险。 ...

FF301 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9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. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | -- ...

Core Viewpoint - Guangzhou Rural Commercial Bank reported a mixed performance for the first half of 2025, with revenue growth but a decline in net profit [1] Financial Performance - The bank achieved an operating income of 8.037 billion yuan, representing a year-on-year increase of 9.41% [1] - Net profit for the period was 1.510 billion yuan, showing a year-on-year decrease of 11.21% [1] Asset and Liability Overview - As of the end of the first half, the total assets of the group reached 1.4067 trillion yuan, an increase of 3.25% compared to the beginning of the year [1] - Total liabilities amounted to 1.3045 trillion yuan, reflecting a growth of 3.57% since the start of the year [1] Deposit and Loan Trends - The balance of various deposits was 1.0148 trillion yuan, which increased by 3.60% from the beginning of the year [1] - The balance of loans and advances was 717.344 billion yuan, showing a slight decrease of 0.4% compared to the beginning of the year [1]

Group 1 - The core viewpoint of the news is that Guangzhou Rural Commercial Bank has shown steady growth in its mid-year performance for 2025, with total assets reaching 1,406.706 billion yuan, a 3.25% increase from the beginning of the year, and operating income of 8.037 billion yuan, a year-on-year growth of 9.41% [1] - The bank has strengthened its support for the modern industrial system and small and micro enterprises, enhancing its core competitiveness in small and medium-sized asset businesses [1][2] - The bank has signed long-term strategic cooperation agreements with 332 enterprises under the "Win-Win Plan," involving a credit amount of 10.65 billion yuan, and has increased its technology loan balance by 14.7% [2] Group 2 - As of the end of June 2025, the bank's small and medium-sized loans reached 215 billion yuan, a 9.6% increase from the beginning of the year, with significant growth in small and micro enterprise loans [2] - The bank has innovatively launched specialized financial products to enhance credit support in the agricultural sector, resulting in a 16.05% increase in agricultural clients [2][3] - The bank's loans to agricultural leading enterprises and new agricultural management entities have also seen growth, with balances of 5.243 billion yuan and 5.358 billion yuan, respectively, reflecting a commitment to supporting agricultural modernization [3]

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]

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2025年6月30日止六個月中期 業績公告 廣州農村商業銀行股份有限公司*（「本行」）董事會（「董事會」）宣佈本行及其附 屬公司（「本集團」）截至2025年6月30日止六個月之未經審計的合併中期業績（「中 期業績」）。本業績公告所載列本集團截至2025年6月30日止六個月之中期業績， 其內容是根據適用的香港聯合交易所有限公司（「香港聯交所」）證券上市規則披露 要求及按照國際財務報告準則編製。 董事會及董事會審計委員會已審閱此中期業績。除另有指明外，本公告所載財務 數據為本集團合併口徑，且均以人民幣呈列。本業績公告登載於香港聯交所網站 ( www.hkexnews.hk )及本行網站( www.grcbank.com ...

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].