东莞农商银行2024年度报告

東莞農村商業銀行股份有限公司Dongguan Rural Commercial Bank Co., Ltd. 股份代號：9889（於中華人民共和國註冊成立的股份有限公司） 年 度 報 告2024 24811162021215455596870758088131141146149 20253 28720241714312 2024 202410%4.4310%4.430.2520242024 11 新規劃新機制新發展 2024 7,459.045,202.483,810.45 +770211.03137.33% 2025 1+N 195219962005200920219889.HK 20244 20247,459.045,202.483,810.451.84%207.72%16.54%14.37% 20232192024100202339202420001,260 1310+ % % (1) % 2024 7,459.04370.515.23%5,202.48331.536.81%3,810.45259.727.31% 1.84%207.72%16.54%14.37% 41.0448.61ROAROE0.67%8.10% 123.127.15%48.614.859.08% 1. 91.7413.98LPR (1) 3.23%0.411.93%0.091.30%0.321.35%0.32 LPR (2) 219.2211.605.03% (i) 2024202312 3165.82%68.75% (ii) 2024202312 3129.44%27.15% 64.541.883% (iii) 6.1 (3) 127.482.381.9% 202312 3170.51%72.04% (ii) 18.040.97 (iii) 8.741.8126.02% (iv) 10.631.7820.06% 2. 31.384.516.73% (1) 4.572.56 (2) 18.487.66 (3) 7.080.14% (4) 1.250.62[2023]78202320242%1%20241%20232% 3. 47.530.671.4% (1) 2024202364.35%62.72% (2) 4.290.071.57% 38.343.81 (2) 3.222.1 5. -7.575.81-18.44%15.03 1. 7,459.04370.515.23% (1) 3,673.64248.537.26% (2) 168.194.26% (3) 3,136.42124.234.12% 2. 6,834.39320.744.92% (1) 60.45%235.368.09%37.79%99.165.31%39.51%3.458.73%3.58 (2) 311.2482.7921.01% 3. 624.6649.778.66% 4. 41(e) 138.42158.210.22227.9674.4437.62 69.7726.771.84% 3,66296.11%233.7378.680.79 69.7726.77 2.02%56.75%86.35%64.62% 1.81%0.582.29%0.76 7.13%1.89% 3,127.45683 6. 10% 29.244.23%143.5420.76%3.77% 90.552.37%27.23323.182.273137.17101328.1418.5832.060.91 8. 9. 10. 202451.635.8427.020.0318.220.51 11. 38.3438.740.418.226.72144.40144.15 0.25 16.54%14.37%14.34% 1. 20241 120231231 (1)(2)202312 31(3)202312 31(4)(5)(6) 2 0 2 4(www.drcbank.com)—— 2. 202312 31 11.5727.94103.4075.68 2. 41(c) 1. 41 2. 3. 4. 5. 63.98 2024+ +2024748.33145490.81577.65770211.03 2024133.6713.9417725 2024396.405562,19552.86 2024315.293.82% 1. 3,144.608.09%1,282.213.91% (1) AUM3,101.559.07% (2) 726.5927.083.87% (3) 2,027.24 2. 1,966.525.31%2,528.249.13% (1) 52192.38%64.582024+ (2) 396.40 +748.3323.28% (3) 79.9049.6973.51 3. (1) (2) 133.67 13.94177 25 4. (1) 10.701,580.50 (2) 377.89 61,554.49384 1. AI++ + 2. +IT 1. 485475102161 4165 2. 1,547846701 3. 98.49% 2024 44.1 1. 2. 44.3 1. VaRPVBP2024 2024 2. 202420241.03%0.17≤20% 44.2 1. 2. 3. 201812.5% 7*24+ ITIT 2024-2028 2024GDP5%2025 2024GDP4.6%1.2+++ 2025 2025 1. + 2. 3. (ESG) 396.40564279.83 +770211.03137.33% 2024351+50+ + 20241,331100% 20246 • 30 3060164.0429.1521.61%112.42 AB C 701 ESGESGESGESGESGESG 2023202320242023<2023>ESG 2024 840396.40 150 2313.31 200 + ++ ++ 100% +485,568 13131.6472.03133.6714.91 13.019.37175 6 • 301724200 202412 315,740,454,51083.33%1,426,110,82120.70%3,831,195,19355.62%483,148,4967.01%H1,148,091,00016.67% 202412 3168.8957.40H11.4812214.2620.70%57,31343.1462.63% 202412 3128.88%5%3.78%2.18%1.45% 202412 31 202412 313,0224.83H7.01% 202412 31336XV23 1.L2.Scoperto LimitedScoperto Limited3.40%4.H5.6.40.03% 1.5%5% 5%5% 2. 202412 31 (1) 20007 2820,000 116,333,5561.69%311,298.00 (2) 19955 285,000 36,313,0810.53%40,859.14 (3) 19967 30600 6,442,0400.09%7,586.28 (4) 19844 102,005 126,262,0001.83%67,493.69 (5) 201112 650 12,677,4000.18%0 (6) 20035 6150 6,442,0400.09%0 10% 5%5%20,303,8550.29% 50% 191111 120245 302023202320232023192023202320233 202459202320245 30 1. 10%10 2. 1%102 3. 10%10%10 4. 5. (www.drcbank.com)(www.hkexnews.hk) +86-769-9611222523123 (1)(2)20253 21(3)202212 3020231 3(4)20245 3020252 2420253 13 1. 19917200532005320083200832023420234 199171999119991200432004320058200582009320093201810201410201611201811 19937200410200410200512200512201892009420091220189201811201811 199472006102006102010320103201412201412201682016820249202410 200072012520129202112202072020920241220215202112202212022320241220225202412202292023220234202412 2010920151203689.HK201882018820252202092021520216202152021920211120223202412024220246 20028201312013120249 20098 2013620138201711202012201912019420243 20197202112202112202212022120235202352024220242 20181220212202162022320226202452022820236 2020520239(600070.SH)20201220225(002576.SZ)20211202112022820198202132021520228(1578.HK)20235 (8206.HK)(3800.HK):(1622.HK)(859.HK) 2020120131120221(834295.NEEQ)2020320232(838309.NEEQ)20209202212(001201.SZ)20181202212 199772022120221201742022320171020223202242019520224202132023220224202272022122023420239 20081 2011420222(2086.HK) 2. 19967200632006320161120121020177201772018820188201811 1994720101 200072015620157 19977200472004720101220101220213202132021820219 201110 20131 2012102014620183 201562021820234 19867MBA 2005920122201222012122012122015102015102021320216 19961199912200012001220012201062010620178202112(300790.SZ) 20171120191201932019620197201911201912202212202212 3. 200072005220052200772007720103201032021320201