Lates News

CITIC Securities pointed out that as of the latest situation, the overall quality of listed banks' operations remains stable, with provisions continuing to shrink slightly and individual trends continuing to differentiate. Looking at it separately, the overall quality of bank assets on the corporate side has improved, but there are fluctuations in the quality of assets in construction and wholesale and retail industries; the non-performing loan generation rate in retail loans has increased, and the non-performing loans in operating loans have notably risen. In terms of response, while the industry overall has stabilized in terms of impairment provision, the write-off intensity has increased, with regional banks showing particularly strong efforts amidst regional economic differentiation. Looking ahead, the operational quality trend in retail business is a key forward-looking indicator of changes in bank asset quality, reflecting that the non-performing loan generation rate of retail credit may continue the trend from the previous year and the quality of operating loans still warrants close attention.