Guangzhou Rural Commercial Bank releases the 2025 annual report: Serving the overall local development, forging a distinctive path of specialized operations

On the evening of March 27, Guangzhou Rural Commercial Bank disclosed its 2025 annual report. The data shows that by the end of 2025, the group’s total assets were 1,380.008 billion yuan, an increase of 1.29% compared to the beginning of the year; total customer deposits reached 1,008.267 billion yuan, a growth rate of 2.94%; operating income was 15.39 billion yuan; net profit was 2.464 billion yuan, a year-on-year increase of 2%. The asset scale steadily increased, operational momentum continually strengthened, and the comprehensive strength remained among the top of the national rural commercial banks.

In the final year of the “14th Five-Year Plan,” Guangzhou Rural Commercial Bank adhered to the theme of high-quality development, advancing in service to the real economy, and consolidating advantages within the “3+2” specialized development model, fully promoting balanced improvements in quality, efficiency, and scale, thus providing solid financial support for regional economic development and carving out a distinctive operational path that aligns with its own development reality.

Serving the local development landscape and empowering the construction of a modern industrial system

As Guangzhou’s economic scale approaches 4 trillion yuan, Guangzhou Rural Commercial Bank, as a local legal person bank, has always integrated its development into the overall picture of regional economic and social development, strengthening industrial finance, empowering green finance, and serving small and micro enterprises, contributing to a significant leap in urban economic data.

To better empower Guangzhou in establishing the “backbone” of a modern industrial system, Guangzhou Rural Commercial Bank has innovated work mechanisms, strengthened product support, and created service features. Leveraging its role as one of the first pilot banks for the “Win-Win Plan for Enterprises,” it has built a comprehensive service system featuring “professional service teams, exclusive product systems, rapid approval mechanisms, flexible pricing arrangements, and credit enhancement support,” insisting on “one area, one policy; one park, one policy; one association, one policy,” achieving targeted empowerment. By the end of the reporting period, it had signed medium- to long-term strategic cooperation agreements for the “Win-Win Plan for Enterprises” with 561 companies; the balance of technology loans was 73.435 billion yuan, an increase of 5.125 billion yuan from the beginning of the year, injecting financial “blood” into the modern industrial system.

Green is the distinctive background color of high-quality development. Guangzhou Rural Commercial Bank injects “green momentum” into regional economic development. In 2025, it successively implemented transformation financial loans in key industries such as aluminum, chemicals, and paper. Among them, the Hongbang Aluminum project is Guangzhou’s first transformation financial loan and Guangdong’s first “transformation finance + carbon footprint linkage” dual certification loan, achieving a virtuous cycle where carbon reduction leads to lower financing costs. The report shows that the bank’s green loan balance was 72.579 billion yuan, an increase of 11.909 billion yuan from the beginning of the year, with the number of green loan clients increasing by nearly 800 from the beginning of the year, delivering a report that balances benefit and responsibility.

Sticking to the development positioning of supporting agriculture and small businesses, Guangzhou Rural Commercial Bank focuses on key customer groups such as industrial parks, specialized markets, quality small business owners, villages, and villagers, conducting a “thousand enterprises, ten thousand households” outreach initiative, innovatively developing small but beautiful products that cater to local markets for forestry, flowers, lychees, fabrics, fruits and vegetables, and seafood. By the end of the reporting period, the bank had connected with 302 key projects under the “Hundred Million Project,” with a credit amount of 65.3 billion yuan, ranking prominently in the Guangzhou area; the balance of inclusive small and micro enterprise loans was 62.139 billion yuan, with a growth rate of 20.26%; over 38,000 companies were visited, with total loans of 35.368 billion yuan, ranking among the top five among banks in Guangzhou.

Writing financial services for the people into the practice of enhancing people’s well-being, Guangzhou Rural Commercial Bank fully supports customers in improving their quality of life and actively develops pension financial services. During the reporting period, the bank maintained the highest growth in mortgage loans among peers in Guangzhou, established the first “Guangfu Steward” pension financial demonstration outlet, optimized 19 age-friendly outlets, and launched specialized deposit products for the pension demographic such as “Golden Rice Happiness Deposit” along with pension wealth management and pension annuity insurance products, continuously meeting the people’s aspirations for a better life.

Accelerating specialized development to enhance the competitiveness of small and medium-sized asset businesses and outlets

Since the start of the “14th Five-Year Plan,” Guangzhou Rural Commercial Bank has anchored its vision to “become a first-class commercial bank in the country,” tirelessly exploring and creatively practicing, fully constructing and continuously strengthening a “3+2” specialized operational model centered on business outlets and small and medium-sized asset businesses as core competitiveness.

It is reported that Guangzhou Rural Commercial Bank prioritizes building the core competitiveness of small and medium-sized asset businesses, mobilizing the entire bank to tackle the construction of four major capabilities: product innovation, customer service, technological support, and benefit creation. In terms of policy guidance, it incorporates small and medium-sized asset businesses into core development indicators for assessment; in terms of products and services, it reconfigures the product system for small and medium-sized asset businesses, forming a corporate credit “2+3+N,” inclusive small and micro “3+N,” and retail credit “1+3+N” product system; in terms of business processes, it establishes a small and medium-sized credit approval center, optimizes the approval authority and processes for small and medium-sized credit businesses, accelerates digital transformation, and achieves “fast review, fast approval, fast processing” for small and medium-sized credit businesses. By the end of 2025, the proportion of quality small and medium-sized loans in total customer loans had increased by 5.1 percentage points, with over 12,000 new small and medium-sized loan customers, enhancing both business structure and customer structure.

Business outlets are the smallest cells in the operation of commercial banks, and their competitiveness directly relates to the bank’s operational efficiency and sustainable development capability. In 2025, Guangzhou Rural Commercial Bank further refined and solidified its “114” business outlet development model, clarifying “one strategic position,” solidifying “one customer base,” and optimizing the four key factors of “personnel, products, processes, and assessments,” fully addressing issues such as unclear strategic positioning of outlets, unsolidified customer bases, and insufficient emphasis on key factors. The annual report indicates that the bank’s per capita asset scale and per capita net operating income achieved double-digit growth, with the main battlefield of specialized operations continuously strengthened.

Looking ahead to the “15th Five-Year Plan,” Guangzhou Rural Commercial Bank will adhere to serving the local economy and its own development in the same direction, proactively engage in supporting the development of new productive forces and expanding domestic demand, and highlight its four cards of “rural finance, technology finance, industrial finance, and retail finance,” striving towards the goal of becoming a “leading force in the high-quality development of small and medium banks,” accelerating progress, achieving new performance, and contributing greater rural commercial strength to the accelerated construction of a financially strong province and a financially strong city!

(责任编辑：董萍萍)

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