Core Viewpoint - Guangfa Bank is actively seeking buyers for its non-performing assets, having transferred a total of 327 billion yuan in non-performing asset rights in 2024, with a final transaction value of 21 billion yuan, indicating a strong focus on asset cleanup and risk management [1][12]. Group 1: Non-Performing Asset Transfers - In 2024, Guangfa Bank conducted 11 transfers of non-performing asset rights, with 7 of these being acquired by Guangdong Yuecai Trust, totaling an original asset amount of 267.47 billion yuan, and final transaction value of 14.57 billion yuan, reflecting a significant discount of approximately 50% [2][3]. - The bank's non-performing asset rights transfer to Huaneng Guicheng Trust involved an original amount of 4.86 billion yuan, sold for 2.14 billion yuan, equivalent to 44% of the original value, marking it as a notable transaction among the 11 transfers [3][12]. - Guangfa Bank's strategy includes batch transfers of non-performing asset debts, with a total original amount of 32.27 billion yuan, further diversifying its asset disposal methods [3][12]. Group 2: Financial Performance and Asset Quality - As of the end of 2023, Guangfa Bank reported a non-performing loan rate of 1.58%, a decrease of 6 basis points from the previous year, with non-performing loans amounting to 326.1 billion yuan, down by 10.4 billion yuan [13][14]. - The bank's total assets reached 3.51 trillion yuan, with a year-on-year growth of 2.68%, and net profit increased by 3.16% to 160.19 billion yuan [13][14]. - The bank's approach to managing non-performing assets has included significant provisions for credit impairment, with amounts of 254.85 billion yuan, 286.96 billion yuan, and 227.11 billion yuan from 2021 to 2023, indicating a proactive stance on risk management [14][16]. Group 3: Industry Context - The non-performing loan transfer market has seen a significant increase, with a reported 598 projects in the first three quarters of 2024, a year-on-year increase of 54.9%, and total amounts reaching 1.627 trillion yuan, double that of the previous year [6][12]. - The real estate sector continues to exhibit high non-performing loan rates, with Guangfa Bank's real estate-related non-performing loan rate at 6.21%, the highest among 11 major joint-stock banks [8][9]. - In response to the challenges in the real estate sector, Guangfa Bank approved loan extensions and adjustments totaling 353.59 billion yuan for qualifying real estate companies in 2023 [12][14].

据山东省金融资产管理股份有限公司（以下简称"山东金资"）7月31日发布的《关于签订重大合同的公 告》，该公司与恒丰银行签订协议，批量受让恒丰银行不良资产，金额合计54.65亿元。而就在半年 前，山东金资入主恒丰银行，成为其第一大股东。 锚定上市目标的恒丰银行近年也在不断甩掉历史"包袱"，2024年年报显示，其不良贷款率实现6年连续 下降。 不良贷款率6年连降 恒丰银行是我国12家全国性股份制商业银行之一，前身为1987年成立的烟台住房储蓄银行。2003年，经 央行批准改制为恒丰银行。后因为遭遇高管违法、股权混乱、资产质量差等问题启动市场化改革。 大股东受让54.65亿不良资产 公告显示，山东金资已与恒丰银行签订不良资产转让协议，批量受让恒丰银行不良资产，合同金额合计 546549.95万元。 "本公司参与本次交易，属于公司主责主业范围，是公司日常经营性业务，不属于重大资产重组。本次 交易不会对本公司日常管理、生产经营及偿债能力产生不良影响，亦不会影响本公司存续期债券及债务 融资工具本息偿付。"山东金资在公告中表示。 山东金资官网信息显示，该公司成立于2014年12月，是由山东省人民政府批准设立的省级金融资产管 ...