Shunde Rural Commercial Bank: Achieve an after-tax net profit of 2.937 billion yuan by 2025

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Recently, Shunde Rural Commercial Bank released its 2025 annual report.
In 2025, the bank achieved operating income of 7.72B yuan, a year-on-year decrease of 7.14%,
of which net interest income was 5.7B yuan, down 4.34% year-on-year;
non-interest net income was 2.01B yuan, down 14.23% year-on-year.
Net profit after tax was 2.94B yuan, a decrease of 13.59% year-on-year;
return on assets (ROA) and return on equity (ROE) were 0.61% and 7.77%, respectively.

As of the end of 2025, Shunde Rural Commercial Bank’s total assets were 487.97B yuan,
an increase of 16.98B yuan from the end of the previous year,
a growth of 3.60%;
various loan balances totaled 259.68B yuan,
an increase of 7.44B yuan from the end of the previous year,
a growth of 2.95%;
total liabilities were 449.51B yuan,
an increase of 15.67B yuan from the end of the previous year,
a growth of 3.61%;
various deposit balances amounted to 333.19B yuan,
an increase of 13.99B yuan from the end of the previous year,
a growth of 4.38%.

As of the end of 2025, Shunde Rural Commercial Bank’s total non-performing loans (NPLs) were 3.91B yuan,
with a non-performing loan ratio of 1.51%,
down 0.10 percentage points from the end of the previous year;
loan provision coverage ratio was 2.62%,
down 0.19 percentage points from the end of the previous year.

(Shunde Rural Commercial Bank)

(Editor: Qian Xiaorui)

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