Huaxia Times: Tingkat NPL 2.44% Bagaimana Bank Langfang Keluar dari Penurunan Kinerja

China Economic Net Beijing, March 20 — Huaxia Times published an article yesterday titled “2.1% Fixed Deposit Rate Attracts Depositors, How Langfang Bank Breaks Through Performance Decline and Risk Pressure.” Against the backdrop of the continuous narrowing of net interest margins in the banking industry, Langfang Bank offers deposit interest rates higher than local peers in some regions. The strategic motivation and sustainability behind this have attracted market attention.

The article points out that, based on Langfang Bank’s recent annual reports, its operational pressure has been increasing. From 2022 to 2024, the bank’s operating income was 4.963 billion yuan, 4.563 billion yuan, and 3.613 billion yuan respectively; net profit was 803 million yuan, 569 million yuan, and 243 million yuan respectively. Notably, in 2024, operating income and net profit decreased by 20.82% and 57.24% year-on-year, showing a significant decline in profitability.

Additionally, from 2022 to 2024, Langfang Bank’s non-performing loan ratio was 2.4%, 2.03%, and 2.44%. After decreasing in 2023, it rose again in 2024. During the same period, the loan loss provision coverage ratio was 156.4%, 153.19%, and 104.29%. Furthermore, the concentration of the largest single customer’s loans increased from 7.01% at the end of 2022 to 15.85% at the end of 2024, indicating rising customer concentration risk.

（Editor: Guo Jiandong）

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