Core Viewpoint - Hangzhou Bank reported a positive overall performance in the first three quarters of 2025, with steady growth in asset-liability scale and operational efficiency, while maintaining a solid asset quality [1] Group 1: Asset Quality and Risk Management - The bank addressed concerns regarding the fluctuation of loans overdue by more than 90 days, stating that such quarterly variations are normal and not indicative of a trend, while maintaining a prudent asset risk classification standard [1] - Hangzhou Bank aims to keep its non-performing loan ratio at a relatively low level in the future [1] Group 2: Interest Margin and Liability Cost Management - In response to the industry's pressure on interest margin contraction, the bank reported that its net interest margin stabilized in the third quarter compared to the previous quarter [1] - The bank implemented several measures to reduce liability costs, including expanding demand deposit scale, limiting high-interest deposits, and lowering the upper limit of deposit interest rates, with expectations of further decline in the interest rate on liabilities in the fourth quarter [1] Group 3: Revenue Stability - Hangzhou Bank addressed issues related to fair value changes and revenue fluctuations, stating that it will stabilize earnings through optimizing asset allocation and enhancing interest rate risk management [1]