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） 截至二零二五年九月三十日止九個月之財務資料概要 本公告乃由廣州農村商業銀行股份有限公司*（「本行」）根據香港法例第571章證 券及期貨條例第XIVA部項下之內幕消息條文及《香港聯合交易所有限公司證券上 市規則》第13.09(2)(a)條及第13.10B條作出。 根據中華人民共和國（「中國」）相關法律及法規，因本行發行資本債券，本 行連同其附屬公司（統稱「本集團」）截至二零二五年九月三十日止九個月未 經審核的財務資料概要（「資料」）已刊載於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 （ http://www.chinamone ...

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分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。 2025年第三季度財務數據概要 本 公 告 乃 由 貴 州 銀 行 股 份 有 限 公 司（「本 行」）根 據《證 券 及 期 貨 條 例》（香 港 法例第571章）第XIVA部 項 下 之 內 幕 消 息 條 文 及《香 港 聯 合 交 易 所 有 限 公 司 證 券 上 市 規 則》第13.09(2)(a)條及第13.10B條 作 出。 根 據 中 華 人 民 共 和 國（「中 國」）相 關 法 律 及 法 規，因 本 行 發 行 資 本 債 券， 本行截至2025年9月30日 止 九 個 月 未 經 審 核 的 財 務 數 據 概 要（「資 料」）將 刊 載 於 中 央 國 債 登 記 結 算 有 限 責 任 公 司（https://www.chinabond.com.cn）、中 國 外 匯 交 易 中 心 暨 全 國 銀 行 間 ...

Financial Data and Key Metrics Changes - Banco Macro's net income for Q2 2025 totaled ARS 101.1 billion, representing a 209% increase compared to the previous quarter, primarily driven by higher net interest income and net fee income [4][5] - Total comprehensive income for the quarter reached ARS 157.1 billion, a 241% increase from the previous quarter [5] - The annualized ROE and ROA were reported at 123.5% [5] - Provision for loan losses increased by 47% quarter-on-quarter and 349% year-on-year, totaling ARS 103 billion [6] - Net interest income for Q2 2025 was ARS 696.9 billion, a 14% increase from the previous quarter and a 163% increase year-on-year [6][7] Business Line Data and Key Metrics Changes - Income from interest on loans increased by 19% quarter-on-quarter and 30% year-on-year, totaling ARS 746.1 billion [7] - Income from government and private securities rose by 18% quarter-on-quarter and 54% year-on-year [7][8] - Net fee income for Q2 2025 was ARS 108.4 billion, a 16% increase from the previous quarter and a 34% increase year-on-year [11] - Other operating income decreased by 37% quarter-on-quarter and 24% year-on-year, totaling ARS 45.8 billion [12] Market Data and Key Metrics Changes - Banco Macro's market share in private sector loans reached 9.2% as of June 2025 [16] - Total deposits increased by 4% quarter-on-quarter and 13% year-on-year, totaling ARS 62 trillion [17] - Nonperforming loans to total financial ratio was reported at 2.06% [18] - The current ratio of total allowances under expected credit losses over nonperforming loans was 137% [18] Company Strategy and Development Direction - The company aims to maintain a loan growth guidance of 60% for 2025 and a deposit growth guidance of 30% [40][41] - Banco Macro is focused on optimizing its deposit base and improving efficiency standards while managing asset quality [19][20] - The bank is open to M&A opportunities but currently has no specific targets [53] Management's Comments on Operating Environment and Future Outlook - Management noted an increase in funding costs and anticipated a slight reduction in net interest margins for Q3 2025 due to market volatility [24][26] - The bank expects some deterioration in asset quality, projecting nonperforming loans to rise to between 2.5% to 3% of total loans by year-end [28][35] - The effective income tax rate was reported at 39%, lower than the previous year [14] Other Important Information - Banco Macro's capital adequacy ratio was reported at 30.5%, with an excess capital of ARS 3.13 trillion [19] - The liquidity ratio of liquid assets to total deposits was 67% [19] Q&A Session Summary Question: Impact on NIMs and asset quality from interest rate volatility - Management acknowledged higher volatility and increased funding costs but noted that net interest margins had widened in Q2 2025. They expect a slight reduction in NIMs for Q3 due to these factors [24][26] Question: ROE expectations for the second half of 2025 - Management maintained the ROE guidance range of 8% to 10% for 2025, despite macroeconomic challenges [28] Question: Quality of the retail loan portfolio - Management indicated a general deterioration in asset quality across the system, with expectations of continued increases in delinquency rates [35] Question: Funding strategy and loan growth guidance - Management emphasized the importance of maintaining growth in both peso and dollar deposits, with a loan growth guidance of 60% for 2025 [40][41] Question: Inflation adjustment item in the P&L - Management confirmed that the inflation adjustment item is due to inflation accounting [55] Question: Expected loan growth for 2025 and 2026 - Management projected a 60% loan growth for 2025 and a 45% growth for 2026 [56]