经济参考报解析南京银行加速坏账处置 个贷不良率承压

Core Viewpoint - Nanjing Bank is facing increased pressure on its personal loan delinquency rate, prompting the bank to accelerate the disposal of bad debts, particularly through the transfer of a personal bad loan asset package valued at approximately 123 million yuan [1] Group 1: Delinquency Rates - As of the end of the third quarter of 2025, Nanjing Bank's personal loan delinquency rate rose to 1.33%, an increase of 0.04 percentage points from the end of the previous year [1] - This delinquency rate is significantly higher than the bank's overall company delinquency rate of 0.83% during the same period, indicating rising risks in the personal loan sector [1] Group 2: Loan Portfolio - Nanjing Bank's personal loan balance reached 331.95 billion yuan by the end of the reporting period, reflecting an increase of 11.755 billion yuan, or 3.67%, compared to the end of the previous year [1] - Consumer loans constitute a major focus of Nanjing Bank's personal loan business, with a year-end balance of 207.29 billion yuan, accounting for 62.45% of the total personal loans [1]