During the bank's interim results conference held on August 31st, China Zheshang Bank Co.,Ltd. (SHA: 601916) Vice President and Chief Risk Officer Pan Huafeng provided an update on the lender's asset quality for the first half of the year. He acknowledged that while risk pressures remain, the overall asset quality has stayed stable, with all four key metrics—non-performing loan ratio, new NPL formation rate, provision coverage ratio, and loan provision ratio—remaining steady.

Pan also pointed out that the increase in the bank's personal loan NPL ratio is primarily driven by higher delinquency rates in individual business loans and consumer credit products. Furthermore, he revealed that the bank has made significant progress in reducing its exposure to corporate real estate lending and internet-based loans during the period. The share of corporate real estate loans has decreased from a historical peak of 15.61% to 7.72%, while the proportion of internet loans has fallen from a high of 7.37% to just 2.2%. This reflects a deliberate strategy to not only lower outstanding balances but also substantially shrink their relative weight in the overall portfolio.