Group 1 - Dongguan Rural Commercial Bank announced the appointment of new employee directors and independent non-executive directors, which will take effect upon approval from the Dongguan Regulatory Bureau of the National Financial Supervision Administration [2] - Due to a job transfer, Huang Weichao has resigned from his positions as co-secretary of the company and authorized representative under Listing Rule 3.05, effective March 27, 2026 [2] - The bank has appointed Tan Baoru as co-secretary, authorized representative, and legal process agent, effective March 27, 2026 [2] Group 2 - Executive director Qian Hua will serve as the authorized representative of the bank, effective March 27, 2026 [2]

Core Viewpoint - Dongguan Rural Commercial Bank reported a decline in both revenue and net profit for the fiscal year ending December 31, 2025, indicating potential challenges in its financial performance [2]. Financial Performance - The bank's operating revenue for the year was approximately 11.697 billion yuan, representing a year-on-year decrease of 5% [2]. - The net profit attributable to shareholders was about 3.854 billion yuan, down 16.67% compared to the previous year [2]. - Basic earnings per share were reported at 0.56 yuan, with a cash dividend of 2.20 yuan per 10 shares (tax included) [2]. Balance Sheet Metrics - As of the end of 2025, the total assets of Dongguan Rural Commercial Bank Group amounted to 796.016 billion yuan [2]. - The total deposit balance was 544.212 billion yuan, while the total loan balance stood at 409.031 billion yuan [2]. - The non-performing loan ratio was recorded at 1.79%, with a provision coverage ratio of 207.68% [2]. - The capital adequacy ratio and the Tier 1 capital adequacy ratio were 15.41% and 13.33%, respectively [2].

Core Viewpoint - Dongguan Rural Commercial Bank reported a decline in revenue and net profit for the year 2025, marking the third consecutive year of profit decline, raising concerns about its financial health and operational efficiency [2][4]. Financial Performance - The bank achieved a revenue of 11.697 billion yuan in 2025, a decrease of 5% year-on-year [3]. - The net profit attributable to shareholders was 3.854 billion yuan, down 16.67% compared to the previous year [2][3]. - The pre-tax profit also fell to 3.732 billion yuan, reflecting a 9.07% decline [3]. Profitability Indicators - Average return on total assets decreased to 0.50% from 0.67% in 2024, a drop of 0.17 percentage points [5]. - Average return on equity fell to 6.18%, down from 8.10% the previous year, a decrease of 1.92 percentage points [5]. - The net interest margin decreased to 1.19%, down from 1.30% [5]. - The cost-to-income ratio increased to 38.36%, up by 0.92 percentage points year-on-year [5]. Asset and Capital Position - As of the end of 2025, total assets amounted to 796.016 billion yuan, with total deposits at 544.212 billion yuan and total loans at 409.031 billion yuan [4]. - The capital adequacy ratio was reported at 15.41%, down 1.13 percentage points from the previous year [6]. - The core tier 1 capital adequacy ratio decreased to 13.30%, a decline of 1.04 percentage points [6]. Compliance Issues - In November 2025, the bank was fined 2.45 million yuan for inadequate loan management practices, including failure to conduct proper risk assessments [8][9]. - Specific penalties were imposed on responsible individuals within the bank, highlighting compliance challenges [8][9]. Market Performance - As of March 27, the bank's stock price increased by 0.59%, closing at 3.39 HKD per share, with a total market capitalization of 23.35 billion HKD [10].

Core Insights - The core viewpoint of the news is the financial performance of Dongguan Rural Commercial Bank for the year 2025, highlighting a decline in revenue and net profit while showing growth in total assets and loans [1] Financial Performance - In 2025, the group achieved an operating income of 11.697 billion yuan, a decrease of 615 million yuan compared to the previous year, representing a decline of 5% [1] - The net profit for 2025 was 3.877 billion yuan, down by 984 million yuan year-on-year, reflecting a decline of 20.24% [1] - The net profit attributable to shareholders was 3.854 billion yuan, showing a year-on-year decrease of 16.67% [1] Asset and Deposit Growth - As of the end of 2025, the total assets of the group reached 796.016 billion yuan, an increase of 50.111 billion yuan from the previous year, marking a growth of 6.72% [1] - The total deposit balance was 544.212 billion yuan, up by 23.964 billion yuan year-on-year, which is an increase of 4.61% [1] - The total loan balance stood at 409.031 billion yuan, with an increase of 27.986 billion yuan, reflecting a growth rate of 7.34% [1] Quality of Development - As of the end of 2025, the non-performing loan ratio was 1.79%, with a provision coverage ratio of 207.68% [1] - The capital adequacy ratio and the Tier 1 capital adequacy ratio were 15.41% and 13.33% respectively, with all indicators meeting regulatory standards [1]

Core Viewpoint - Dongguan Rural Commercial Bank reported a decrease in both revenue and net profit for the year ending December 31, 2025, indicating potential challenges in its financial performance [1] Financial Performance - The bank's operating income was approximately 11.697 billion yuan, a year-on-year decrease of 5% [1] - The net profit attributable to shareholders was about 3.854 billion yuan, reflecting a year-on-year decline of 16.67% [1] - Basic earnings per share were 0.56 yuan, with a cash dividend of 2.20 yuan per 10 shares (tax included) [1] Asset and Loan Metrics - As of the end of 2025, the total assets of Dongguan Rural Commercial Bank Group amounted to 796.016 billion yuan [1] - The total deposit balance was 544.212 billion yuan, while the total loan balance stood at 409.031 billion yuan [1] Credit Quality - The non-performing loan ratio was reported at 1.79% [1] - The provision coverage ratio was 207.68% [1] Capital Adequacy - The capital adequacy ratio was 15.41%, and the Tier 1 capital adequacy ratio was 13.33% [1]

EF001 免責聲明 | 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。 | 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 | | --- | --- | | | 股票發行人現金股息公告 | | 發行人名稱 | 東莞農村商業銀行股份有限公司 | | 股份代號 | 09889 | | 多櫃檯股份代號及貨幣 | 不適用 | | 相關股份代號及名稱 | 不適用 | | 公告標題 | 截至2025年12月31日止年度末期股息 | | 公告日期 | 2026年3月27日 | | 公告狀態 | 新公告 | | 股息信息 | | | 股息類型 | 末期 | | 股息性質 | 普通股息 | | 財政年末 | 2025年12月31日 | | 宣派股息的報告期末 | 2025年12月31日 | | 宣派股息 | 每 股 0.22 RMB | | 股東批准日期 | 有待公佈 | | 香港過戶登記處相關信息 | | | 派息金額及公司預設派發貨幣 | HKD， 金額有待公佈 | | 匯率 | 有待公佈 | | 除淨日 | ...

Financial Performance - Dongguan Rural Commercial Bank reported a net profit of RMB 39.1 million, which is 10% of the audited annual profit allocated to statutory surplus reserves[11]. - The bank plans to distribute a cash dividend of RMB 0.22 per share, subject to approval at the 2025 annual general meeting[11]. - The bank achieved an operating income of RMB 11.697 billion and a net profit of RMB 3.877 billion, with a non-performing loan ratio of 1.79% and a provision coverage ratio of 207.68%[28]. - Total operating revenue for 2025 was RMB 11,696,578, a decrease of 5.00% compared to 2024[40]. - Pre-tax profit for 2025 was RMB 3,731,794, down 9.07% from the previous year[40]. - Net profit for 2025 was RMB 3,876,823, reflecting a decline of 20.24% year-over-year[40]. - The average return on total assets for 2025 was 0.50%, down from 0.67% in 2024[44]. - The net interest margin for 2025 was 1.19%, a decrease from 1.30% in 2024[44]. - The total equity of the group was RMB 63.02 billion, an increase of RMB 0.56 billion or 0.89% from the previous year[114]. Assets and Liabilities - As of the end of 2025, Dongguan Rural Commercial Bank's total assets reached RMB 796.016 billion, with total deposits of RMB 544.212 billion and total loans of RMB 409.031 billion[28]. - The total liabilities of the group reached RMB 732.99 billion, an increase of RMB 49.55 billion or 7.25% compared to the end of the previous year[108]. - Customer deposits amounted to RMB 554.21 billion, up RMB 23.96 billion or 4.61% year-on-year, with individual deposits accounting for 60.20% and corporate deposits for 37.70%[110]. - The issued debt securities increased to RMB 114.90 billion, representing 15.68% of total liabilities, compared to 12.22% the previous year[109]. - The total amount of customer loans and advances reached RMB 409.03 billion, an increase of RMB 27.99 billion or 7.34% compared to the end of the previous year[120]. Loan Portfolio - The group reported a loan balance of 60.047 billion RMB for technology enterprises, with a growth rate of 26.92%[20]. - The balance of inclusive loans for small and micro enterprises was 54.166 billion RMB, with a growth rate of 7.08%[20]. - The group supported 1,123 national and provincial "specialized, refined, distinctive, and innovative" enterprises, with a loan growth rate of 17.05% in manufacturing and related industries[21]. - The non-performing loan (NPL) balance was RMB 72.92 billion, an increase of RMB 3.15 billion, with an NPL ratio of 1.79%, a decrease of 0.05 percentage points from the previous year[123]. - Corporate loans accounted for 60.28% of total loans, with a total amount of RMB 246.55 billion and an NPL ratio of 1.51%[128]. - Personal loans totaled RMB 126.53 billion, representing 30.93% of total loans, with an NPL ratio of 2.85%[128]. Risk Management - The board of directors confirmed that there are no significant risks affecting the bank's future development strategy and operational goals[11]. - The bank's management discussion and analysis section details the main risks faced and the measures taken to address them[11]. - The group has established a comprehensive liquidity risk management structure involving the board, supervisory board, senior management, and various departments[200]. - The overall credit risk is under control, with the non-performing loan ratio maintained within management targets[198]. - The group has implemented standardized credit review and approval processes to enhance credit risk management[198]. Digital Transformation and Innovation - The bank's development strategy focuses on digital transformation and light capital development, aiming to become a regional value-oriented rural commercial bank group[30][31]. - The group is advancing its digital transformation strategy, integrating data elements and digital technologies into all operational management aspects[186]. - The group aims to enhance risk management capabilities by developing an intelligent risk control system that covers the entire business process[190]. - The group has completed the local deployment and optimization of open-source large models for AI applications in risk control and customer service[189]. Awards and Recognition - The bank has received multiple awards, including the Dongguan City Contribution Award for 2024 and recognition for its green finance initiatives[33]. Future Outlook - The outlook for 2026 emphasizes adherence to the central financial work conference's spirit and enhancing value creation capabilities[22].

東莞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。 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） （股份代號：9889） 董事會審計委員會 議事規則 第一章 總則 第二章 人員組成 – 1 – 第一條 為進一步完善東莞農村商業銀行股份有限公司（以下簡稱「本行」）公司治 理結構，保障董事會下設的審計委員會依法獨立、規範、有效行使職權 和科學議事，根據《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》《銀行保險機構公司治理準則》《香港聯合交易 所有限公司證券上市規則》（以下簡稱「《上市規則》」）等有關法律法規和 規範性文件及《東莞農村商業銀行股份有限公司章程》（以下簡稱「本行章 程」），本行特設立董事會審計委員會，並制定本議事規則。 第二條 董事會審計委員會是董事會根據本行章程設立的專門工作機構，對董事 會負責，主要負責本行內、外部審計的溝通、監督和核查工作。審計委 員 ...

Group 1 - Dongguan Rural Commercial Bank (09889) announced the appointment of new board members, including Mr. Chen Sheng as a staff director and independent non-executive directors Mr. Chen Guofeng, Mr. Li Yanwen, Ms. Zhang Shuangmei, and Ms. Wang Zhifang, effective upon approval from the Dongguan Regulatory Bureau of the National Financial Regulatory Administration [1] - Due to a job transfer, Mr. Huang Weichao has resigned from his positions as co-company secretary, authorized representative under Listing Rule 3.05, and legal process agent under Listing Rule 19A.13(2) and the Companies Ordinance (Hong Kong Cap 622) effective March 27, 2026 [1] - The bank has appointed Ms. Tan Baieru as co-company secretary, authorized representative, and legal process agent, effective March 27, 2026 [1] - Executive director Mr. Qian Hua will serve as the bank's authorized representative, effective March 27, 2026 [1]

東莞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。 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） （股份代號：9889） 董事會提名和薪酬委員會 議事規則 第一章 總則 第二章 人員組成 第三條 提名和薪酬委員會由3-5名委員組成，且至少一名為不同性別，委員應當 是具有與委員會職責相適應的專業知識和經驗的董事。提名和薪酬委員 會中獨立董事佔比應過半數，且委員會至少要有三分之一的財務專業人 員；委員應熟悉各產品線的風險、成本及演變情況，以有效和負責地審 議有關薪酬制度和政策。 本行控股股東提名的董事不得擔任委員會委員。 因委員辭職、被免職或其他原因導致委員人數少於三名時，董事會應盡 快選舉產生新的委員。委員會委員人數達到本議事規則規定最低人數的 三分之二以前，委員會暫停行使本議事規則規定的職權，由董事會行使 相關職權。 – 2 – 第四條 提名和薪酬委員會委員由董事長、二分之一以上獨立董事或者三分 ...