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].

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 ...