浙商银行：2024年通过各类方式大力处置不良资产

Core Viewpoint - Zhejiang Commercial Bank emphasizes the importance of enhancing non-interest income and improving revenue structure in the face of external challenges and declining net interest margins [1] Group 1: Business Strategy - The bank's management highlights the need for strong competitive capabilities supported by robust investment research to navigate the current market landscape [1] - Zhejiang Commercial Bank is focusing on digital investment research to enhance its revenue sustainability through the "Middle Income Expansion" initiative [1] Group 2: Financial Performance Outlook - The bank aims to maintain good revenue performance by optimizing its asset-liability structure and strengthening investment research efforts in response to challenges such as declining net interest margins and increased market uncertainty [1] - Specific actions include solidifying low-sensitivity assets on the asset side and optimizing the liability structure to reduce high-cost liabilities while increasing low-cost deposits [1] Group 3: Asset Quality Management - The bank plans to intensify efforts to manage risks by actively disposing of non-performing assets and establishing an industry research institute to enhance policy foresight [1] - As of the end of 2024, the non-performing loan ratio for real estate is reported at 1.55%, a decrease of 0.93 percentage points from the beginning of the year, reflecting proactive risk management [2]