On the evening of April 22, Shanghai Rural Commercial Bank (stock abbreviation: HU NONG SHANG HANG, stock code: 601825, hereinafter referred to as SHRCB) officially released its 2025 Annual Report and 2026 Q1 Report.

In 2025, guided by its vision of "building a service-oriented bank to create value for customers", SHRCB successfully concluded its 2023-2025 development strategy by consolidating its development foundation with prudent operations, enhancing shareholder returns to demonstrate its sense of responsibility, and strengthening core competitiveness through value creation.

Steady Growth in Shareholder Returns, Reinforced Long-Term Market Confidence.According to its 2025 profit distribution proposal, SHRCB plans to distribute a cash dividend of RMB 1.94 (tax inclusive) per 10 ordinary shares, totaling RMB 1.87 billion (tax inclusive). Combined with the interim cash dividend of RMB 2.32 billion (tax inclusive), the total cash dividend for the year reached RMB 4.20 billion (tax inclusive), accounting for 34.07% of net profit attributable to parent shareholders, achievingan increase of0.16percentage points year-on-year.

Sound Overall Performance, Sustained Operational Resilience. In 2025, SHRCB Group achieved operating income of RMB 25.87 billion, net non-interest income reached RMB 6.55 billion, up 0.29% year-on-year, accounting for 25.33% of operating income, with an increase of 0.80 percentage points over the previous year. The Bank proactively optimized the depositmaturity structure, reducing the deposit interest rate by 31 basis points. Net profit amounted to RMB 12.65 billion, up 0.33% year-on-year.Net profit attributable to parent shareholders reached RMB 12.31 billion, up 0.20% year-on-year.In the first quarter of 2026, SHRCB Group posted operating income of RMB 6.64 billion, up 1.23% year-on-year, net profit attributable to parent shareholders reached RMB 3.59 billion, up 0.73% year-on-year, further demonstrating operational resilience.

Expanded Loan and Deposit Scale, Steady Enhancement of Overall Strength. By the end of 2025, SHRCB Group's total assets reached RMB 1,587.67 billion, with an increase of 6.71% year-on-year; total loans and advances amounted to RMB 773.00 billion, up 2.35% year-on-year; total liabilities stood at RMB 1,455.39 billion, up 7.03% year-on-year; total deposits stood at RMB 1,140.03 billion, up 6.33% year-on-year. By the end of the first quarter of 2026, total assets rose to RMB 1,627.40 billion, up 2.50% from the end of 2025, and total loans and advances reached RMB 803.74 billion, up 3.98% from the end of 2025.

Stable Asset Quality, Fortified Risk Defenses. By the end of 2025, the SHRCB Group's non-performing loan (NPL) ratio was 0.96%, down 0.01 percentage points from the end of the previous year, provision coverage ratio reached 328.87%. By the end of the first quarter of 2026, the NPL ratio remained unchanged. The NPL ratio has consistently stayed below 1% since IPO and ranks among the industry's best performers.. The capital adequacy ratio, tier-1 capital adequacy ratio and core tier-1 capital adequacy ratio stood at 16.81%, 14.47% and 14.44% respectively, all above regulatory requirements and at a high level among bank peers.

Committed to Finance for the People, Highlighting a Value-Creating Bank. Adhering to the customer-centric philosophy, SHRCB continued to enhance its capacity to serve the real economy. By the end of 2025, loans to corporate customers reached RMB 514.25 billion, up 5.02% year-on-year, corporate customers deposits totaled RMB 511.01 billion, up 5.93%year-on-year. Retail financial assets under management (AUM) amounted to RMB 852.92 billion, an increase of 7.24% year-on-year, with a three-year cumulative growth of 22.42%. Inclusive loans to micro and small enterprises stood at RMB 92.83 billion, with a three-year compound growth rate of 13.13%, standing at the forefront of Shanghai banks.

Leveraging its regional strategic positioning and local ecological advantages, SHRCB deepened its specialized services and worked to forge industrial ecosystems. By the end of 2025, the Bank served 5,787 tech loan clients, tech loans reached RMB 121.25 billion, achieving its three-year strategic target. Intellectual Property pledge loansreached RMB 8.67 billion, covering 882 clients, ranking first among Shanghai banks for five consecutive years in both balance and number of clients.By the end of 2025, total amount of SHRCB Group's green financial servicesexceeded RMB 100 billion, green loanstood at RMB 68.76 billion, up 10.36% year-on-year.

By the end of 2025, pension payroll clients increased by 80,700, representing a growth rate of 6.33%; pension payroll volume rose 11.69%, the increment in pension payroll transactions ranks first in Shanghai. The Bank established 1,040 "XIN JIA YUAN" public service stations, hosting nearly 20,000 diverse public welfare activities throughout the year, integrating humanistic care and emotional value into its financial services to respond to people's livelihood needs.

Reviewing the 14th Five-Year Plan period, SHRCB maintained strategic commitment, consolidated its operational foundation and highlighted its identity as a value-creating bank, laying a solid groundwork for a sound start to the 15th Five-Year Plan.Standing at a new starting point, SHRCB will stay true to its mission of finance for the country and finance for the people, focus on its core businesses, leverage its resource endowments, and create "three values" with higher standards and more practical measures to serve the real economy, making greater contributions to building a strong financial nation.