兴业银行一季度业绩会：净息差走势、信贷投放、资产质量……管理层回应

Core Viewpoint - The performance of Industrial Bank in the first quarter of 2025 remains stable, but the bank faces certain operational pressures [1] Group 1: Net Interest Margin - The net interest margin for the first quarter is reported at 1.80%, a decrease of 0.07 percentage points year-on-year [2] - The management anticipates a decline of 10 basis points in the net interest margin for the year, which is expected to outperform the industry average [2] - Key strategies to stabilize the net interest margin include promoting low-cost deposits and managing bond issuance effectively [2] Group 2: Credit Structure Adjustment - The bank's loan growth rate is slightly below the industry average, with a focus on adjusting the credit structure towards green finance and technology finance [3] - Green loans and technology loans increased by 9.37% and 9.90% respectively compared to the end of the previous year, both exceeding overall loan growth [3] - The bank aims to support traditional industry upgrades and emerging industries while stabilizing mortgage loans and exploring potential in consumer loans [3] Group 3: Risk Management in Retail Loans - The new non-performing assets in the first quarter are in line with expectations, showing no significant change in risk levels compared to the previous year [4] - The bank is enhancing risk control measures for retail loans, including upgrading risk assessment models and optimizing internal rating standards [4] - A collaborative collection system is being established to improve recovery rates on small, dispersed loans, thereby reducing the pressure from new non-performing assets [4]