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。 （股份代號：9889） 獨立非執行董事辭任及監事辭任 獨立非執行董事辭任 東莞農村商業銀行股份有限公司（「本行」）董事會（「董事會」）謹此宣佈，本行獨立非執 行董事許智先生、譚福龍先生、劉宇鷗女士及許婷婷女士（合稱「辭任董事」）已於2025 年11月13日向董事會提交辭呈，因任職時間將達到規定期限，辭去本行獨立非執行董 事及在董事會相關專門委員會所擔任的職務。 Dongguan Rural Commercial Bank Co., Ltd.* 東莞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） 陳勝先生已擔任本行黨委副書記。根據相關法律法規及本行章程的規定，陳勝先生將 繼續履行本行職工監事及監事會提名委員會委員的職責，直至滿足本行公司章程規定 無需繼續履職之日止。 根據相關法律法規及本行章程的規定，許智先生、譚福龍先生及劉宇鷗女士將繼續履 行獨立非執行董事及在董事會相關專門委員會 ...

Core Insights - The article provides a summary of the financial performance of various rural commercial banks in China as of September 2025, highlighting their total assets, operating income, and net profit compared to the previous year [1] Group 1: Financial Performance - Chongqing Rural Commercial Bank reported total assets of 165.58 billion yuan, a 9.30% increase, with operating income of 21.66 billion yuan and net profit of 10.93 billion yuan [1] - Shanghai Rural Commercial Bank's total assets reached 155.81 billion yuan, up 4.72%, with operating income of 19.83 billion yuan and net profit of 10.81 billion yuan [1] - Guangzhou Rural Commercial Bank had total assets of 141.64 billion yuan, a 3.96% increase, with operating income of 1.10 billion yuan and net profit of 0.17 billion yuan [1] - Beijing Rural Commercial Bank's total assets were 134.98 billion yuan, a 7.29% increase, with operating income of 1.19 billion yuan and net profit of 0.60 billion yuan [1] - Chengdu Rural Commercial Bank reported total assets of 99.92 billion yuan, a 9.29% increase, with operating income of 1.42 billion yuan and net profit of 0.60 billion yuan [1] - Shenzhen Rural Commercial Bank experienced a decline in total assets to 80.25 billion yuan, down 1.78%, with no disclosed operating income or net profit [1] - Dongguan Rural Commercial Bank's total assets were 76.97 billion yuan, a 3.19% increase, with operating income of 0.86 billion yuan and net profit of 0.37 billion yuan [1] - Jiangsu Jiangnan Rural Commercial Bank reported total assets of 61.65 billion yuan, a 5.39% increase, with operating income of 0.99 billion yuan and net profit of 0.40 billion yuan [1] - Hangzhou United Bank had total assets of 59.61 billion yuan, a 6.39% increase, with operating income of 0.87 billion yuan and net profit of 0.42 billion yuan [1] - Qingdao Rural Commercial Bank reported total assets of 50.99 billion yuan, a 3.01% increase, with operating income of 0.80 billion yuan and net profit of 0.33 billion yuan [1]

FF301 本月底法定/註冊股本總額： RMB 6,888,545,510 第 1 頁 共 10 頁 v 1.1.1 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: 東莞農村商業銀行股份有限公司 呈交日期: 2025年11月5日 I. 法定/註冊股本變動 | 1. 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 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 内資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 5,740,454,510 RMB | | 1 | RMB | | 5,740,454,510 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | ...

Core Insights - Dongguan Rural Commercial Bank (09889) reported a net interest income of approximately 6.557 billion yuan for the first nine months of 2025 [1] - The total operating income for the same period was about 8.611 billion yuan [1] - The net profit attributable to the parent company was around 3.645 billion yuan [1] Financial Ratios - As of September 30, 2025, the capital adequacy ratio under the consolidated basis was 15.43% [1] - The Tier 1 capital adequacy ratio stood at 13.35% [1] - The core Tier 1 capital adequacy ratio was recorded at 13.32% [1]

Core Insights - Dongguan Rural Commercial Bank (09889.HK) reported a revenue of approximately RMB 8.611 billion for the first three quarters of 2025, representing a year-on-year decline of about 6.6% [1] - The net profit for the same period was approximately RMB 3.644 billion, reflecting a year-on-year decrease of about 20% [1] Financial Performance - Revenue for the first three quarters: RMB 8.611 billion, down 6.6% year-on-year [1] - Net profit for the first three quarters: RMB 3.644 billion, down 20% year-on-year [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。 本公告乃東莞農村商業銀行股份有限公司（「本行」）根據香港聯合交易所有限公司證券 上市規則第13.09(2)條及香港法例第571章證券及期貨條例第XIVA部項下內幕消息條文 作出。 背景 由於本行已於中華人民共和國（「中國」）發行二級資本債券，故根據中國相關法律及法 規，本行須在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( https://www.chinamoney.com.cn )網站披露截至2025年 9月30日止九個月的若干未經審核財務及營運數據。 本行股東及潛在投資者謹請留意，本公告所披露的財務數據乃根據中國企業會計準則 （「中國企業會計準則」）及╱或國家金融監督管理總局非現場監管報告（表1104）下的併 表基準（「1104合併基準」）編製，與本行2021年9月29日在香港聯合交易所有限公司主板 上市 ...

Core Viewpoint - The article highlights the successful transformation of Huangjiacang Village through the "Silver Village Cooperation" initiative, which has significantly improved both the environment and economic conditions in the area, serving as a model for rural revitalization in Guangdong [14][18]. Group 1: Environmental Improvement - Huangjiacang Village has integrated idle and corner lands to create multiple small parks, enhancing the village's aesthetic appeal and providing green spaces for residents [15]. - The village has completed the hardening of 10 roads and alleys, adding approximately 300 roadside parking spaces, thus improving transportation convenience for villagers [15]. Group 2: Service Enhancement - The village has upgraded public service facilities, including new public toilets and solar street lights, and optimized the student waiting area, creating a one-stop service hub for residents [16]. - Monthly community activities such as training sessions, dance classes, and health consultations cater to diverse needs, from children to the elderly [16]. Group 3: Economic Development - Huangjiacang Village has leveraged loans for industrial area renovation, revitalizing idle factory resources and fostering specialized industry clusters, with a projected collective income of 22.5 million yuan by 2024 [17]. - Ongoing renovation projects cover approximately 20,000 square meters, with an expected total construction area exceeding 70,000 square meters, generating annual revenue of about 12.69 million yuan, of which the village collective will receive 40% [17]. - The growth of collective economy has led to job creation, with 108 enterprises and 325 individual businesses providing ample employment opportunities for villagers [17].

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 公司名稱: 東莞農村商業銀行股份有限公司 | 1. 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 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 内資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 5,740,454,510 RMB | | 1 | RMB | | 5,740,454,510 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 5,740,454,510 RMB | | 1 | RMB | | 5,740,454,510 | | 2. 股份分類 | 普通股 | H 股份類別 | | | 於香港 ...

Core Insights - The issuance of technology innovation bonds (科创债) has been increasing, with banks being the main issuers, particularly state-owned and regional banks [1][2] - Regional banks are focusing on long-term bonds with higher interest rates to support local technology enterprises and enhance their market presence [2] - The total issuance of technology innovation bonds in the Shanghai Stock Exchange has reached 1.4 trillion yuan, with a year-on-year growth of nearly 70% [2] Group 1: Issuance Trends - The technology innovation bond market has seen significant participation from various banks, including regional banks, which are actively entering the market [1] - Recent issuances include Chongqing Sanxia Bank's 20 billion yuan bond and Qingdao Bank's 10 billion yuan bond, both with a 5-year term [1] - The issuance scale of regional banks typically ranges from 1 billion to 3 billion yuan [1] Group 2: Funding Utilization - The funds raised from technology innovation bonds are primarily directed towards supporting high-tech enterprises in sectors like information technology and advanced manufacturing [2] - Regional banks are leveraging these bonds to stabilize funding costs and attract specific investor groups [2] Group 3: Market Outlook - The technology innovation bond market is expected to continue growing, with a favorable policy environment and increasing market demand [3] - The introduction of technology innovation bond ETFs has improved liquidity, making the market more attractive for conservative investors [3]

Core Viewpoint - Dongguan Rural Commercial Bank (09889.HK) is facing dual pressures on performance and asset quality, with a significant decline in both revenue and net profit in the first half of 2025 compared to the previous year [1][3]. Financial Performance - In the first half of 2025, the bank reported operating income of 5.501 billion yuan, a year-on-year decrease of 14.02%, and a net profit of 2.629 billion yuan, down 17.07%, marking a continuous decline in net profit for two and a half years [1][3]. - The bank's net interest income was 4.237 billion yuan, a decrease of 9.92% year-on-year, while the net interest margin was 1.22%, down 0.18 percentage points [1][5]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio stood at 1.87%, an increase of 0.03 percentage points from the end of the previous year, marking four and a half consecutive years of rising NPL ratios since the bank's listing [1][9]. - The bank's provision coverage ratio fell to 190.56%, a decrease of 17.16 percentage points, marking the first time it has dropped below 200% since its listing [11]. Loan Portfolio - The personal loan NPL ratio increased from 2.29% at the end of the previous year to 2.81% as of June 30, 2025, with significant increases in the NPL ratios for personal operating loans, credit card overdrafts, and personal consumption loans [2][10]. - The total assets of Dongguan Rural Commercial Bank exceeded 760.4 billion yuan, with total loans amounting to 394.4 billion yuan, reflecting a growth of 3.51% from the previous year [4]. Comparison with Peers - Compared to its peers, Dongguan Rural Commercial Bank's net interest margin is below average, with the average net interest margin for commercial banks in China at 1.42% and for rural commercial banks at 1.58% [7].