Guangzhou Rural Commercial Bank Co., Ltd. (01551.HK) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	42.1B	34.8B	8.1B	42.9B	11.9B
Cost of Revenue	26.0B	27.3B	24.3B	25.2B	25.2B
Gross Profit	16.0B	7.4B	8.1B	9.7B	11.9B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	8.8B	3.9B	4.9B	274.2M	310.4M
General & Admin Expense	8.4B	3.9B	4.7B	47.1M	55.8M
Selling & Marketing Expense	275.3M	204.3M	223.3M	227.1M	254.5M
Other Expenses	1.5B	2.0B	—	4.9B	7.1B
Total Operating Expenses	10.3B	5.9B	4.9B	5.2B	7.4B
Cost and Expenses	36.3B	33.3B	4.9B	5.2B	7.4B
Operating Income (EBIT)	5.7B	1.5B	3.2B	2.9B	4.5B
Non-Operating
Interest Income	32.8B	34.2B	38.0B	41.7B	43.8B
Interest Expense	19.1B	20.9B	24.3B	25.2B	25.2B
Net Interest Income	13.7B	13.3B	13.6B	16.6B	18.6B
Other Non-Op Income/Expense	(1.4B)	—	—	(1.6B)	—
Non-Operating Income (excl Interest)	4.1B	—	(3.2B)	3.6B	5.2B
EBT (Pre-Tax Income)	4.3B	1.5B	1.5B	2.9B	4.5B
Income Tax Expense	(161.5M)	(911.4M)	(941.1M)	(346.6M)	472.6M
Bottom Line
Net Income	5.0B	2.1B	2.1B	2.6B	3.5B
Earnings from Cont. Ops	4.5B	2.4B	2.4B	3.3B	4.0B
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	3.6B	1.7B	1.4B	2.0B	2.9B
Per Share
Basic EPS	HK$0.25	HK$0.12	HK$0.10	HK$0.17	HK$0.25
Diluted EPS	HK$0.25	HK$0.12	HK$0.10	HK$0.17	HK$0.25
Revenue Per Share	HK$2.92	HK$2.41	HK$0.70	HK$3.74	HK$1.04
Shares
Basic Shares Outstanding	14.4B	14.4B	11.5B	11.5B	11.5B
Diluted Shares Outstanding	14.4B	14.4B	14.4B	11.5B	11.5B
Profitability Metrics
EBITDA	2.6B	2.2B	6.9B	—	—
D&A	1.6B	650.5M	604.8M	680.8M	722.6M
EBIT	4.3B	1.5B	6.3B	(680.8M)	(722.6M)

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026