华夏银行副行长杨伟答21记者：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 - The vice president of Huaxia Bank, Yang Wei, stated that the decline in interest margins is a common issue in the banking industry, and the bank will continue to optimize its asset-liability structure in the second half of 2025 [1][1]. Group 1: Interest Margin Management - The banking industry has experienced a continuous decline in interest margins since the recent interest rate cuts, with Huaxia Bank's net interest margin at 1.54% as of the end of June, a year-on-year decrease of 0.07 percentage points [1][1]. - Huaxia Bank's net interest margin is slightly below the average of 1.55% reported by the financial regulatory authority for the second quarter of 2025 among joint-stock banks [1][1]. Group 2: Asset-Liability Structure Optimization - In the second half of 2025, Huaxia Bank plans to accelerate asset growth and optimize its asset structure to increase the proportion of high-quality assets [1][1]. - The bank will also enhance the management of its liability structure through refined management in terms of total volume, structure, and pricing, aiming to drive revenue growth and cost reduction while stabilizing interest margins [1][1].