自11月底开始，多家农商行相继启动针对不良贷款或表外风险资产的专项清收行动，通过建立精细化排 查机制、差异化攻坚策略以及强化全员责任意识，向长期积累的风险资产"动刀"，旨在净化区域金融生 态，为高质量发展夯实根基。 中经记者 郭建杭 北京报道 每年"开门红"是银行抢占市场份额、提升业绩的关键时期，银行往往会对存贷业务、中间业务、不良贷 款处置等几大业务领域加大资源倾斜力度。 《中国经营报》记者了解到，在2026年"开门红"之际，多家银行加大了对不良处置工作的关注度，在常 规布置存贷款业务储备之外，还组织专项"清不良"行动。 某农商行人士告诉记者，目前存贷款客户的覆盖面和深度已足够，但在存贷款客户上的竞争压力较往年 更大，今年还出现了部分贷款客户流失的情况。在此背景下，年底的效益增长重点转向了不良清收领 域，即"向存量不良要效益"。 业内人士分析，年底农商行加大不良清收的举措，反映了当前许多地方中小银行在宏观经济环境承压、 部分区域信用风险暴露背景下的共同选择，从单纯追求规模扩张转向深耕存量资产质量、狠抓风险清收 化解，已成为行业共识。 "清不良" （编辑：张漫游 审核：何莎莎 校对：颜京宁） 例如，11月25 ...

Core Viewpoint - The performance decline of Ping An Bank is primarily attributed to the contraction of net interest margin, decline in non-interest income, and significant reduction in retail business profits [1][2][6]. Financial Performance - For the first half of the year, Ping An Bank reported a 10% year-on-year decline in operating income and a 3.9% decrease in net profit, although the rate of decline has slowed compared to previous quarters [2][3]. - The bank's total assets reached 5.87 trillion yuan, a 1.8% increase year-on-year, with loan and deposit balances growing by 10% and 4.6%, respectively [3][4]. - The net interest margin and net profit margin were recorded at 1.8% and 1.76%, down by 16 and 15 basis points year-on-year [2][7]. Income Sources - Interest income fell by 15.6% to 879.3 billion yuan, while net interest income decreased by 9.3% to 445.07 billion yuan [7]. - Non-interest income also saw a significant decline, with a total of 248.78 billion yuan, down 11.3% year-on-year, largely due to a 28.7% drop in wealth management fees [7][8]. Retail Business Impact - The retail business revenue dropped by over 20%, amounting to 310 billion yuan, with net profit from this segment falling to approximately 10 billion yuan, representing only 4% of total net profit [8]. - The contribution of retail business to net profit has decreased significantly, from 34.1% two years ago to a current level that is 27 percentage points lower [8]. Asset Quality and Cost Management - The bank's non-performing loan ratio stood at 1.05%, slightly down from the previous year, with an increase in the recovery of non-performing assets [4][5]. - Management and operational costs have decreased, totaling 192.06 billion yuan, a 9% reduction year-on-year [5].

Core Insights - The banking industry in China is demonstrating resilience, with key indicators such as non-performing loan (NPL) ratio, provision coverage ratio, and capital adequacy ratio remaining stable and improving [1][2][3] Group 1: Banking Performance - As of the end of Q2 2025, the total assets of China's banking sector reached 467.3 trillion yuan, reflecting a year-on-year growth of 7.9% [2] - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 2.4 billion yuan from the previous quarter, resulting in an NPL ratio of 1.49%, down by 0.02 percentage points [1][2] - In H1 2025, commercial banks achieved a cumulative net profit of 1.2 trillion yuan, with average capital return on equity at 8.19% and average asset return on equity at 0.63% [2] Group 2: Asset Quality Improvement - The asset quality across various types of banks has generally improved, with NPL ratios for state-owned banks, joint-stock banks, city commercial banks, and rural commercial banks at 1.21%, 1.22%, 1.76%, and 2.77% respectively [3] - The improvement in asset quality is attributed to increased efforts in NPL disposal and stable new NPL generation rates [4] Group 3: Future Outlook - The central bank plans to continue implementing a moderately loose monetary policy to maintain ample liquidity and guide financial institutions to sustain reasonable credit growth [3][4] - The issuance of personal consumption loans and service industry loan interest subsidy policies is expected to support retail credit volume and pricing [3] - The focus for NPL disposal in the second half of the year will likely remain on personal loans, including consumer loans and credit cards, while monitoring the real estate sector and export-related industries [4][5]