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 as of the end of 2025, the group’s total assets reached 13,800.08 billion yuan, an increase of 1.29% compared to the beginning of the year; total customer deposits were 10,082.67 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 scale of assets steadily increased, operational momentum continuously strengthened, and comprehensive strength remained among the top rural commercial banks in the country.

In the concluding year of the 14th Five-Year Plan, Guangzhou Rural Commercial Bank adhered to high-quality development as its theme, advancing in serving the real economy, and strengthening its advantages within the “3+2” characteristic development model, fully promoting balanced improvements in quality, efficiency, and scale. This not only provided solid financial support for regional economic development but also paved a distinctive operational path that aligns with its own development reality.

Serving the Overall Development of the Local Area and Empowering the Construction of a Modern Industrial System

As Guangzhou’s economic scale is set to surpass 40 trillion, as a local corporate bank, Guangzhou Rural Commercial Bank always integrates its development into the broader regional economic and social landscape, strengthening industrial finance, empowering green finance, and serving small and micro enterprises, assisting in critical leaps in urban economic data.

To better empower Guangzhou in strengthening the “backbone” of the modern industrial system, Guangzhou Rural Commercial Bank innovated work mechanisms, reinforced product support, and created service characteristics. Taking the “Win-Win Plan for Enterprises” as the first batch of pilot banks, it established a comprehensive service system consisting of “professional service teams, exclusive product systems, rapid approval mechanisms, flexible pricing arrangements, and credit enhancement support,” adhering to “one strategy per region, one strategy per park, one strategy per association” to achieve targeted empowerment. As of the end of the reporting period, it had signed long-term strategic cooperation agreements for the “Win-Win Plan for Enterprises” with 561 companies; the balance of technology loans reached 73.435 billion yuan, an increase of 5.125 billion yuan compared to the beginning of the year, injecting financial “blood” into the modern industrial system.

Green is a distinctive color of high-quality development. Guangzhou Rural Commercial Bank injects “green momentum” into regional economic development, gradually rolling out transformation financial loans in key industries such as aluminum, chemicals, and paper in 2025. Among these, the Hongbang Aluminum project is Guangzhou’s first transformation financial loan and Guangdong’s first “transformation finance + carbon footprint linkage” dual-certified loan, achieving a virtuous cycle of reducing carbon emissions and financing costs. The report shows that the bank’s green loan balance reached 72.579 billion yuan, an increase of 11.909 billion yuan compared to the beginning of the year, with the number of green loan customers increasing by nearly 800 since the beginning of the year, delivering a report that balances both efficiency 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 “large visits to thousands of enterprises and tens of thousands of households” and innovatively developing small and beautiful characteristic products tailored to Guangzhou’s local specialty markets including forestry, flowers, lychees, fabrics, fruits and vegetables, and seafood. As of 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 among the top in the Guangzhou region; the balance of inclusive small and micro enterprise loans reached 62.139 billion yuan, with a growth rate of 20.26%; it visited over 38,000 enterprises, with a total loan amount of 35.368 billion yuan, ranking among the top five of all banking institutions in Guangzhou.

Writing financial service for the people into the practice of enhancing people’s livelihood, Guangzhou Rural Commercial Bank fully supports customers in improving their quality of life and actively carries out pension financial services. During the reporting period, the bank maintained the highest growth in mortgage loans among its peers in Guangzhou, created the first “Guangfu Housekeeper” pension financial demonstration outlet, optimized 19 elderly-friendly outlets, and launched characteristic deposit products for elderly clients such as “Golden Rice Fortune Enjoyment Deposit” as well as pension wealth management and pension annuity insurance products, continuously meeting the people’s aspirations for a better life.

Accelerating Characteristic Development to Enhance the Competitiveness of Small and Medium-Sized Asset Business and Outlets

Since the 14th Five-Year Plan, Guangzhou Rural Commercial Bank has anchored its vision of “becoming a first-class commercial bank in China,” tirelessly exploring and innovating practices, fully constructing and continuously strengthening a “3+2” characteristic operational model focused on small and medium-sized asset business as its core competitiveness.

It is understood that Guangzhou Rural Commercial Bank prioritizes building the core competitiveness of small and medium-sized asset business, mobilizing the entire bank to tackle four major capabilities: product innovation, customer service, technological support, and efficiency creation. In terms of policy guidance, small and medium-sized asset business is included in the core development indicators for assessment; in product and service, the product system for small and medium-sized asset business is restructured to form a company credit system of “2+3+N,” an inclusive small and micro system of “3+N,” and a retail credit system of “1+3+N”; in business processes, a small and medium-sized loan approval center is established, optimizing the approval authority and processes for small and medium loans to accelerate digital transformation, achieving “fast review, fast approval, fast processing” for small and medium loans. By the end of 2025, the proportion of quality small and medium loans to customer loans increased by 5.1 percentage points, with over 12,000 new small and medium loan customers, achieving dual enhancements in business structure and customer group structure.

Outlets are the smallest unit of operation for commercial banks, and their competitiveness directly affects the bank’s operational efficiency and sustainable development capabilities. In 2025, Guangzhou Rural Commercial Bank further refined and implemented the “114” outlet development model, clarifying “one strategic position,” solidifying “one customer base,” and optimizing the four key elements of “personnel, products, processes, and assessments,” striving to resolve issues such as unclear strategic positioning for outlets, weak customer bases, and insufficient emphasis on key elements. The annual report shows that the bank’s per capita asset scale and per capita net operating income both achieved double-digit growth, continuously strengthening its main battlefield for characteristic operations.

Looking forward to the 15th Five-Year Plan, Guangzhou Rural Commercial Bank will continue to align its services with local economic development, actively supporting the development of new quality productive forces and expanding domestic demand. It will enhance its four cards of “rural finance, technology finance, industrial finance, and retail finance,” striving to become a “leader in the high-quality development of small and medium banks,” accelerating progress and achieving new results, contributing greater rural commercial strength to the rapid construction of a financially strong province and city!

(责任编辑：董萍萍)

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