Guangdong Nanhai Rural Commercial Bank: Achieve a net profit of 2.336 billion yuan by 2025

LightningPacketLoss · 2026-04-04T20:46:07+00:00

Guangdong Nanhai Rural Commercial Bank's 2025 Annual Report shows that operating income was 5.904 billion yuan, down 8.16% year-on-year; net profit was 2.336 billion yuan, down 4.80% year-on-year. Total assets reached 351.069 billion yuan, with total loans increasing by 8.62%. The non-performing loan ratio is 1.39%, and the capital adequacy ratio is 14.96%.

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2026-04-04 20:46:07

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On March 30, Guangdong Nanhai Rural Commercial Bank released its 2025 annual report. In 2025, the Group achieved operating revenue of 5.9B yuan, down 8.16% year over year; operating profit of 2.95B yuan, up 6.41% year over year; total profit of 2.47B yuan, down 2.12% year over year; net profit of 2.34B yuan, down 4.80% year over year; and its average return on total assets (ROA) and average return on net assets (ROE) were 0.68% and 8.35%, respectively.

As of the end of 2025, the Group’s total assets were 351.07B yuan, up 4.84% from the end of the previous year; total loans outstanding were 183.05B yuan, up 8.62% from the end of the previous year. Total liabilities were 322.76B yuan, up 5.07% from the end of the previous year; total deposits were 247.97B yuan, up 5.77% from the end of the previous year.

As of the end of 2025, the Group’s non-performing loan ratio was 1.39%, the provision coverage ratio was 237.85%, and the loan loss provision rate was 3.31%. The capital adequacy ratio, the Tier 1 capital adequacy ratio, and the core Tier 1 capital adequacy ratio were 14.96%, 12.43%, and 12.43%, respectively; the liquidity ratio was 74.98%, and the liquidity coverage ratio was 324.26%.

(Guangdong Nanhai Rural Commercial Bank)

(Editor: Qian Xiaorui)

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