Xin Lang Cai Jing·2025-08-29 12:06Core Viewpoint - Everbright Bank reported stable asset quality with a non-performing loan ratio of 1.25% as of June 30, 2025, indicating effective risk management strategies in key areas [1] Group 1: Asset Quality - The overall asset quality of Everbright Bank has remained stable in recent years [1] - The non-performing loan ratio as of June 30, 2025, is 1.25%, maintaining a steady performance [1] Group 2: Risk Management - The bank has achieved positive results in risk prevention in key areas, including the orderly advancement of platform debt and the clearance of existing real estate risks [1] - The focus on small and micro enterprises includes implementing no-repayment renewal loans [1] Group 3: Future Risk Trends - Future asset quality pressures are primarily concentrated in the real estate sector and related upstream and downstream corporate areas [1] - Specific challenges include pressures on housing-related loans and risks in industries such as photovoltaics, automotive, steel, and petrochemicals [1] Group 4: Strategic Direction - Everbright Bank will continue to maintain a prudent risk preference while seizing opportunities from the new round of industrial structure transformation [1] - The bank plans to increase credit investment support for relevant industry clients and further develop its comprehensive financial and supply chain financial services [1]