本报讯 （记者李雯珊）8月28日，广州农村商业银行股份有限公司（以下简称"广州农商银行"）发布 2025年中期业绩公告。中报显示，该集团资产总额14067.06亿元，较年初增长3.25%；各项存款余额 10147.58亿元，较年初增长3.60%；实现营业收入80.37亿元，同比增长9.41%，资产规模稳步提升，经 营势能不断增强，综合实力稳居全国农商银行前列。 同时，为加大三农领域信贷投放力度，广州农商银行突破传统思维，创新推出"金米花卉贷"、集体建设 用地"信用贷""项目贷"等特色金融产品，形成了以营业网点为主阵地、农村金融服务站为延伸、"金融 村官"为补充的农村金融服务格局。截至报告期末，该行涉农客户2.05万户，较年初增幅达16.05%；选 派34名"金融村官"，对接7区55个行政村，以实际行动将金融服务延伸至田间地头"最后一公里"。 今年以来，广州农商银行深耕本土市场，加大制造业关键领域与重大项目的信贷投放力度，全力助推广 州市"12218"现代化产业体系建设。中报数据显示，该行第二产业贷款较上年末增加48.4亿元，增幅 8%，新增投放主要为制造业贷款，金融助力地方经济发展成效显著。 中报显示，广州农 ...

Core Viewpoint - The article emphasizes the importance of the "Hundred Counties, Thousand Towns, and Ten Thousand Villages High-Quality Development Project" (referred to as "Hundred Thousand Project") in addressing the regional development imbalance in Guangdong, with a focus on the role of financial institutions like Guangzhou Rural Commercial Bank in supporting this initiative [1][2]. Financial Performance - Guangzhou Rural Commercial Bank reported a revenue of 15.83 billion yuan and a net profit of 2.42 billion yuan for 2024, with total assets amounting to 1.36241 trillion yuan and total loans and advances of 720.23 billion yuan [1]. - The bank's agricultural loan balance reached 40.14 billion yuan, showing steady growth, with 21,000 agricultural clients and a 26.4% increase in the number of supported agricultural enterprises since the beginning of the year [1]. Strategic Initiatives - The bank has established a dedicated working group for the "Hundred Thousand Project" to align its operations with the project's goals, enhancing its financial services for rural and regional development [2][3]. - A focus on product innovation and differentiation is emphasized, with the bank aiming to avoid homogeneous competition with larger banks by enhancing its product offerings and meeting diverse customer needs [2][3]. Channel and Network Development - Guangzhou Rural Commercial Bank has established 531 branches and 141 rural financial service stations in Guangzhou, leading in coverage within the city [3]. - The bank plans to implement a three-year plan to enhance the competitiveness of its branches and improve rural financial services [3]. Product Innovation - The bank has introduced a "2+3+N" corporate credit product system and a "3+N" inclusive small loan product system, targeting key industries and regions [4][5]. - Specific products include the "Rural Revitalization Excellent Agricultural Loan" with a maximum credit limit of 50 million yuan, and loans for the flower planting industry and rural tourism projects, demonstrating a commitment to supporting local industries [5][6]. Policy Utilization - In 2024, the bank utilized over 4 billion yuan in agricultural re-loan policy funds and nearly 10 billion yuan in small re-loan policy funds, significantly impacting agricultural and small business loans [6]. - The bank's efforts have led to a reduction in the average interest rates for agricultural and small business loans, benefiting over 1,000 agricultural households and supporting more than 3,600 small and private enterprises [6].

Core Viewpoint - Guangzhou Rural Commercial Bank has demonstrated resilience and effective operational strategies, achieving a "steady progress" performance despite industry challenges, with significant improvements in revenue decline, asset quality, and capital strength [1][4]. Financial Performance - The bank's operating income decline narrowed from 19.47% in 2023 to 12.79% in 2024, a reduction of 6.68 percentage points [4]. - The non-performing loan ratio decreased by 0.21% to 1.66%, marking the lowest level in five years [4]. - The provision coverage ratio improved by 19.71% to 184.34%, indicating strong reserves [4]. Asset Quality - The bank's capital adequacy ratio reached 14.52%, a slight increase of 0.85% year-on-year, while the Tier 1 capital adequacy ratio rose by 0.30% to 11.42% [5]. - The core Tier 1 capital adequacy ratio increased by 0.07% to 9.90%, reinforcing the bank's financial stability [5]. Business Strategy - The bank has focused on supporting high-tech, green low-carbon industries, and small and medium-sized loans, with technology enterprise loans reaching 34.077 billion yuan and an increase in specialized and innovative enterprise clients [5]. - The bank's strategy includes a "Three Billion Project" aimed at expanding small and medium-sized credit business, with a focus on manufacturing, private economy, and consumer spending [10]. Growth in Small and Medium-Sized Assets - Small and medium-sized loans exceeded 100 billion yuan in 2024, a nearly 50% year-on-year increase, with loans under 50 million yuan growing by 41.7% [8][10]. - Retail loan balances reached 86 billion yuan, reflecting a 16.8% increase from the beginning of the year [8]. Product Innovation - The bank has developed a diverse range of financial products tailored to local market needs, including specialized loans for agriculture and manufacturing [11]. - Innovative products such as "Golden Rice Fabric Loan" and "Golden Rice Aquaculture Loan" have been introduced to enhance financial inclusion [11]. Future Outlook - The bank plans to conduct an "Asset Efficiency Year" in 2025, focusing on enhancing the proportion of small and medium-sized loans and fixed asset loans to support regional economic development [12].

Core Viewpoint - Guangzhou Rural Commercial Bank has demonstrated steady growth in total assets and revenue while enhancing its support for the real economy, particularly in agricultural finance, as evidenced by its recent performance report and initiatives aimed at rural development [1][2][3]. Group 1: Financial Performance - As of the end of 2024, the bank's total assets reached 1.36 trillion yuan, with operating income of 15.832 billion yuan, indicating a steady increase in asset scale [1]. - The bank's agricultural loan balance stood at 40.135 billion yuan, with a 26.39% increase in the number of supported agricultural enterprises compared to the beginning of the year [1]. Group 2: Financial Innovation and Product Development - The bank established a working group for the "Hundred Counties, Thousand Towns, and Ten Thousand Villages" project, launching innovative financial products tailored to local agricultural needs, including the "Rural Revitalization Preferred Loan" with a credit limit of up to 50 million yuan [2]. - New financial products such as "Golden Rice Flower Loan" and "Golden Rice Homestay Loan" were introduced to support local特色产业 and promote rural tourism [3]. Group 3: Support for Rural Development - The bank has launched collective construction land "credit loans" and "project loans" to address the issue of rural property not being eligible for collateral, supporting over 100 projects with more than 2 billion yuan in funding [4]. - The bank's rural credit products have benefited nearly 6,500 households, with a total loan balance exceeding 2.2 billion yuan for various consumer loan products [4]. Group 4: Technological Empowerment and Governance - The bank has enhanced its technological capabilities in rural governance, implementing a rural asset management platform and various smart systems to improve financial services in rural areas [5][6]. - The "Village Asset Treasure" system has been deployed across multiple districts, with a significant increase in signed clients, indicating a successful outreach strategy [5]. Group 5: Community Engagement and Social Responsibility - The bank has actively engaged in community support, donating 1.9 million yuan and purchasing local agricultural products worth approximately 4.5 million yuan to aid rural enterprises [8]. - Initiatives like "Silver Society Assistance for Agricultural Promotion" have provided substantial financial support to over 230 administrative villages, reinforcing the bank's commitment to rural revitalization [8].