Zhong Guo Ji Jin Bao·2025-11-24 16:29Core Viewpoint - Postal Savings Bank and Ping An Bank are transferring personal non-performing loans totaling 2.1 billion yuan, indicating a trend of accelerated asset clearance in the banking sector as they seek to manage rising non-performing loan ratios and meet regulatory requirements [1][6]. Group 1: Loan Transfer Details - Postal Savings Bank is transferring its first batch of personal non-performing loans for 2025, involving 81,985 loans and 81,093 borrowers, with a total unpaid principal of 988 million yuan and unpaid interest of 309 million yuan, amounting to a total of 1.297 billion yuan [3][5]. - The weighted average overdue days for Postal Savings Bank's non-performing loans is 1,804.28 days (approximately 5 years), with a weighted average borrower age of 43.78 years [5]. - Ping An Bank is transferring two batches of personal non-performing loans, with the first batch involving 33,631 loans and a total unpaid principal and interest of 477 million yuan, and the second batch involving 27,522 loans with a total of 328 million yuan [5]. Group 2: Industry Trends - Since entering the fourth quarter, banks have accelerated the clearance of non-performing assets, with over 20 announcements related to personal non-performing loans in the credit card sector reported this month [6]. - The trend of increasing non-performing loan ratios in retail loans is evident, with credit card loan non-performing rates continuing to rise, although the rate of increase is slowing [6]. - Banks are motivated to transfer non-performing assets to reduce their non-performing loan balances and free up capital tied to inefficient assets, driven by regulatory assessments and the need to optimize financial statements [6].