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

2026-04-06 20:55:48

On March 30, Guangdong Nanhai Rural Commercial Bank released its 2025 annual report. In 2025, the Group recorded operating revenue of RMB 5.9B, down 8.16% year over year; operating profit of RMB 2.95B, up 6.41% year over year; total profit of RMB 2.47B, down 2.12% year over year; net profit of RMB 2.34B, down 4.80% year over year; the 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 RMB 351.07B, up 4.84% from the end of the previous year; total loans outstanding were RMB 183.05B, up 8.62% from the end of the previous year. Total liabilities were RMB 322.76B, up 5.07% from the end of the previous year; total deposits were RMB 247.97B, 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%, its provision coverage ratio was 237.85%, and its loan provision ratio was 3.31%. The capital adequacy ratio, Tier 1 capital adequacy ratio, and CET1 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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