“骨折”拍卖不良资产？江苏银行最新回应！

Core Viewpoint - Jiangsu Bank's recent auction of non-performing loans at a significantly reduced starting price has attracted market attention, indicating a strategic move to enhance current earnings and long-term development [1][2][3]. Group 1: Non-Performing Loan Auction - Jiangsu Bank has listed four batches of personal non-performing loans for transfer, with total unpaid principal and interest exceeding 7 billion yuan, involving 330,000 borrowers [1][2]. - The starting price for these non-performing loans is approximately 347 million yuan, which is substantially lower than the total unpaid amount, raising concerns in the market [1][3]. - The bank has stated that this practice is a common industry approach and is compliant with regulations, aiming to boost current earnings and positively impact long-term growth [2][3]. Group 2: Financial Performance - For the year 2024, Jiangsu Bank reported operating income of 80.815 billion yuan, a year-on-year increase of 8.78%, and a net profit attributable to shareholders of 31.843 billion yuan, up 10.76% [4]. - As of the end of 2024, the bank's total assets reached 3.9518 trillion yuan, a growth of 16.12% compared to the previous year, with total deposits and loans also showing significant increases [4]. - The non-performing loan ratio stood at 0.89%, marking a historical low, with a decrease of 0.02 percentage points from the previous year [4]. Group 3: AI Deployment and Future Strategy - Jiangsu Bank has actively integrated into the digital economy, deploying AI technologies to enhance financial services, including the use of language models for contract inspection and automated valuation [5]. - The bank plans to continue expanding the application of AI technologies, aiming for process optimization and efficiency improvements to support business development [5].