Xin Lang Cai Jing·2026-03-27 10:21Core Viewpoint - The performance briefing of Bank of Communications for the year 2025 indicates a slight improvement in non-performing loan rates, while also highlighting ongoing challenges in asset quality management, particularly in retail and small business lending [1][2]. Group 1: Loan Quality Metrics - The non-performing loan rate at the end of 2025 is projected to be 1.28%, a decrease of 0.03 percentage points from the previous year [1][2]. - The attention loan rate is expected to be 1.6%, an increase of 0.08 percentage points compared to the end of the previous year [1][2]. - The overdue loan rate is anticipated to be 1.46%, also rising by 0.08 percentage points from the previous year [1][2]. - The annual new non-performing loan rate is expected to remain stable, maintaining below 1% for three consecutive years [1][2]. Group 2: Asset Quality Trends - The bank anticipates facing pressure in asset quality management this year, particularly in retail and small business loans [1][2]. - The real estate market is currently in a stabilization phase, with ongoing monitoring of associated risks [1][2]. - Increased competition in certain industries is leading to reduced profit margins and heightened operational differentiation, which will be closely observed for potential risks [1][2].