Core Viewpoint - Guangzhou Rural Commercial Bank has announced a conditional agreement to sell its credit assets, which includes loans, with the aim of enhancing its risk resilience, operational efficiency, and profitability while optimizing its business structure and asset quality [1] Summary by Relevant Sections Transaction Details - The board of directors approved the transaction on October 9, 2025, and will seek shareholder approval at a temporary general meeting [1] - The assets being sold include credit assets with a principal amount of approximately RMB 14.978 billion, interest amounting to about RMB 3.897 billion, judicial costs of approximately RMB 0.051 billion, and penalties totaling around RMB 0.002 billion, leading to a total debt amount of approximately RMB 18.928 billion [1] Impact on the Bank - Upon completion of the transaction, ownership of the assets will transfer from the bank to the buyer, and the bank will receive corresponding cash compensation [1] - The transaction is expected to significantly enhance the bank's risk resilience, improve operational efficiency and profitability, and lay a foundation for stable operations and long-term development [1]