华夏银行副行长杨伟：息差下降是行业共性 下半年将持续优化资产负债结构

Core Viewpoint - Huaxia Bank is focusing on stabilizing its net interest margin amid a declining trend in the banking sector's interest margins following recent interest rate cuts [1] Group 1: Financial Performance - As of the end of June, Huaxia Bank reported a net interest margin of 1.54%, which represents a year-on-year decrease of 0.07 percentage points [1] - This figure is slightly below the average net interest margin of 1.55% reported for the second quarter of 2025 by the financial regulatory authority for joint-stock banks [1] Group 2: Strategic Initiatives - The bank plans to optimize its asset-liability structure by accelerating asset growth and enhancing the proportion of high-quality assets [1] - Huaxia Bank will implement refined management of its liability structure, focusing on total volume, structure, and pricing to drive revenue growth and cost reduction [1] - The strategy includes developing customer relationships and deepening comprehensive pricing for clients to stabilize the net interest margin [1]