广州农商银行2024 中期报告

2 4 8 11 52 62 68 78 80 81 82 166 20248 29 20241 12024630 571 . 1.2.Guangzhou Rural Commercial Bank Co., Ltd.H(1551.HK)924840H1510623www.grcbank.com+8695313(8620)28019324ir@grcbank.com GRCB . (1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11)(12)=*100%=*100%=–*100% (13) .2024 1. 202462.7085.35%22.91 2024583.04%92.10%490.94%471.02% (1) 2024185.9522.16 (1) 2024126.0824.20923.45%(LPR) 202412.0462.11% (2) 2024123.250.74 202493.742.212.03%12 20248.240.12 (3) 2024490.94%471.02% 2. 20243.164.30%2.0539.34% (2) 20243.87 (3) 20244.89 (4) 2024-1.16 3. 202430.300.321.06% (1) 2024202364.66%66.36% (2) 20243.060.165.07% (3) 2 0 2 41 . 2 70 . 1 210.71% (4) 20246.380.457.56% 4. 202429.16 5. 2024 1. (1) (2) 202463013,291.10150.681.15%7,440.26127.081.74% 110.542.69% (1) 20246307,440.26127.081.74%4,680.6774.331.61%1,777.5226.581.52%982.0726.172.74% 20246304,680.67982.0782.66%17.34% 2024630715.41765.14181.12115.8540.25%43.05%10.19%6.52%3.8925.520.55%16.40% 202463018.1976.9236.610.55%4.51%1.85%4.651.42%44.64%4.35% (2) 20246304,219.50110.542.69% 2. (1) 202463012,290.20115.180.95% (1) (1) (2) 20246 309,676.47204.612.16%61.06%223.233.93%33.03%226.196.61%27.33%1.5966.76%0.48 3. 1. (1) 20246301.87% 2. (1) 3. (1) 2024630 4. 2024 2024 2024630761.94688.66273.04212.5036.27 20246304042 . 1. 2024131013125000433.713.6%10.4%1.11,9211001844.3%48111%2+3+N 2. 2024 3. 202420241,30060085.71% 1. 2024 2. 2024+ 3. 20241.57 4. (1) 288125003 (2) 2024202·53,74617,53648%92%7 2024 10020242024 2024101039051,351 395.7113.6324.254493.74%3BP141 2024 eeAPP 3N 4 7 4 . 4 91 9 . 7 64.35%106.190.970.92%40.495 2024 1.3452% 1202.78% 202427 374735FOFB2024 2024 1. 5701550120515 2. 1,489803102584 3. 474STM584 4. (1) 4447.1% (2) 3.144,3492.37141 . 2024 2023–2025 51,420 API2024 96 20232024 20242023 . 2024IFRS9 2024 2024 2024 2024202420242024 20242024 2024 2024 20247*24 2024 . . . 925 20141220211251015 20171262019626.3201974.32020613.7 .2024 202461.75.0%4.0%6.0%1.82.74.6%8.5%3.7%60.5%GDP33.9%5.4%9.5%6.1%3.2GDP14.5%25.9CPI0.1%0.2 2024131013122024 . % (1)29,111H85 (2)97,887,2300.68%688,182,8324.78% . 202452912020246201,430,000,0001,523,744,444.44 . 2 0 2 31 22 95 . 5 0H2 4 . 0 914,409,789,327 . 144.10117.35H26.7572092.8064.40%28,39124.5517.04% 51.78%5%8.29%5.02%4.83% (1)2,674,577,650H18.56% (2)14,409,789,327 5,6923.722.58% 2024630XV23336 (1)1,212,575,662(2)696,288,999(3)84.75%717,137,838(4)195,229,000H(5)561,249,000H551,900,000H9,349,000H561,249,000H(6)Guangzhou Hong He Investment Co., Ltd.90%Guangzhou Hong He InvestmentCo., Ltd.63.33%200,991,000H(7)70%221,424,797H221,424,797H(8)China Credit Trust Co., Ltd.Harvest Fund Management Co., Ltd.40%China Credit Trust Co., Ltd.187,000,000H 2024630336 (1) (2) 5% 5%1,194,271,140722,950,000 1. [2018]27[2019]355201962014.302019621GRCB19USDPREF046181002071,500,000 201962098.39 (www.hkex.com.hk)(www.grcbank.com) 2. 202462093,744,444.445.9%84,370,0009,374,444.44 3. 2 0 2 462 01,430,000,0001,523,744,444.44(i)1,430,000,000(ii)93,744,444.4420244 2520245132024621H . 14185 20243 15 20246132023 9333 202459202461320232023 9112311 20243 152024662024311202466 . 2024527 . XVXV78352 (1)99.54% (2)100%80% XV352C3 . C32024112024630 . 13,36412,739625 2024 200517038 . C1 . . 1 20246 13202315711 20232023202320232023202320242023202420242024 202320246132023 . A.2.1 . 6612351814285482291123 . 5 . . 327122613 . . . . 20232024625H20232024726100.45.7620242023 .5% 5%1,194,271,140722,950,0002023 . 201962014.30202462014.30 2024529120 . 308.871%5%1% 14A . . 1,000413.79 . . . 20246302024630 (www.hkexnews.hk)(www.grcbank.com) 8216520246303434 2410 34 2024829 2024630 2024630 2024630 2024630 2024829 2024630 2024630 2024630 2024630 2024630 2024630 2024630 1 19522023[2009]4842009129 B1048H2440100019144010170834296289 20176 20 2024829 2024630 1 202463030251420246 30 2024630 (i) 2024630 2 34 2023 2023 2.12024 20241 1 111677 2024630 3 20231231 4 4.1 / 2024630 4 2024630 4 2024630 4 4.2 5 2024630 2024630 2024630 9 2024630 25% (i) (ii) 12 2024630 12 (a)2023 20246 1320230.04576,392 2024630 (b) 2024425 666,129 2024630 13 630 2024630 2024630 (a)20246305.00%202312 315.25%20246304.00%202312314.00% 2024630 16 2024630 18 2024630 18 2024630 18 2024630 18 (c) 2024630 18 (c) 2024630 18 (c) 2024630 18 (c) 2024630 18 (c) 2024630 2024630 20 2024630 (i)2024630 2024630 21 2024630 2024630 23 2024630 24 2024630 24 25 2024630 25 2024630 25 2024630 25 2024630 2024630 2024630 31 (a) 2023331150104.70%3315 (b) 2024630202312311.91%2.78%2.14%2.83%202463020242025202312312024 (c) 2022553032.89%2023202555 32 2024630 32 (a) 20246 30260202312 311602.25%3.25%202312312.10%3.55% (i) 202463020231231 2024630 32 (b) (i) 20246 3020231231 2024630