Заместитель председателя банка Синьъе Сунь Сюньпэн: ожидается, что качество активов к 2026 году останется относительно стабильным по сравнению с 2025 годом

3月27日金融一线消息，兴业银行今日召开2025年度业绩说明会，谈及资产质量与风险管控，副行长孙雄鹏直言，过去五年兴业银行经受住市场考验，资产质量稳中向好；2025年虽面临诸多挑战，通过结构调整优化、强化风控管理等举措，整体资产质量仍符合预期。

March 27 financial frontline news, Industrial Bank held its 2025 annual performance briefing today, discussing asset quality and risk control. Vice President Sun Xiongpeng candidly stated that over the past five years, Industrial Bank has withstood market tests, and asset quality has been steadily improving; although facing many challenges in 2025, through structural adjustments and strengthening risk management measures, the overall asset quality still meets expectations.

孙雄鹏围绕资产质量核心工作，重点阐述三方面内容。其一，风险成本进一步收敛。2025年该行不良生成余额同比下降6.82%，生成率下降0.17个百分点，预期贷款压缩23亿元；严格落实风险分类新规，风险分类与监测体系相互印证、无偏离，全年风险资产损失576亿元，同比减少25亿元。

Sun Xiongpeng focused on the core work of asset quality and elaborated on three main points. First, risk costs further converged. In 2025, the bank’s non-performing generation balance decreased by 6.82% year-on-year, with the generation rate down by 0.17 percentage points, and expected loan compression of 2.3 billion yuan; strict implementation of new risk classification regulations, with the risk classification and monitoring system mutually confirming without deviation, resulting in total risk asset losses of 57.6 billion yuan for the year, a decrease of 2.5 billion yuan year-on-year.

其二，重点领域风险整体可控。此前市场关注的对公房地产、政府融资平台、信用卡三大领域不良均呈明显下降态势。2025年该行主动压缩对公房地产贷款533亿元，新发生不良金额同比下降41%；政府融资相关规模压缩466亿元，全年新发生不良仅3亿元；信用卡不良自2023年出现拐点，2024至2025年新发生不良逐年下降，2025年不良金额同比下降12.98%。

Second, the overall risk in key areas is controllable. The non-performing loans in the three areas of public real estate, government financing platforms, and credit cards, which had previously attracted market attention, have shown a significant downward trend. In 2025, the bank actively compressed public real estate loans by 53.3 billion yuan, with new non-performing amounts decreasing by 41% year-on-year; the scale related to government financing was compressed by 46.6 billion yuan, with only 300 million yuan of new non-performing loans for the year; credit card non-performing loans turned a corner in 2023, with new non-performing loans decreasing year by year from 2024 to 2025, and a year-on-year decrease of 12.98% in 2025.

其三，重组贷款拨备保障充分。该行严格落实监管要求，对重组贷款实施全流程管控，2025年重组贷款余额378亿元，占全部贷款比例0.64%，占比处于较低水平；相关贷款全部下调至关注及不良类，拨备计提27%，风险保障充足。针对还款来源不足的企业，该行通过追加抵押物、强化担保责任等措施，进一步夯实还款保障。

Third, the provision guarantees for restructured loans are sufficient. The bank strictly implements regulatory requirements and carries out full-process control on restructured loans. In 2025, the balance of restructured loans is 37.8 billion yuan, accounting for 0.64% of total loans, which is a relatively low level; related loans have all been downgraded to attention and non-performing categories, with a provision of 27%, ensuring adequate risk protection. For enterprises with insufficient repayment sources, the bank further strengthens repayment guarantees through additional collateral and enhanced guarantee responsibilities.

孙雄鹏同时坦言，当前资产风险管理压力依然较大，内外部环境复杂多变，未来部分企业、个人或因市场波动导致还款能力进一步下降，房地产、信用卡及未完成转型升级的实体企业仍存风险隐患，资产质量防控任重道远。

Sun Xiongpeng also admitted that the current asset risk management pressure remains significant, with a complex and variable internal and external environment. In the future, some enterprises and individuals may see a further decline in repayment ability due to market fluctuations. Risks still exist in real estate, credit cards, and entities that have not completed transformation and upgrading, making asset quality prevention and control a long and arduous task.

孙雄鹏表示，面对复杂形势，兴业银行将坚持久久为功，持续推动业务发展与风险管理有机融合，依托数字化、智能化工具提升风险管理能力，保障经营平稳运行。结合当前市场环境，2026年资产质量预计与2025年保持相对平稳。

Sun Xiongpeng stated that in the face of a complex situation, Industrial Bank will adhere to long-term efforts, continuously promoting the organic integration of business development and risk management, relying on digital and intelligent tools to enhance risk management capabilities and ensure stable operations. Considering the current market environment, asset quality in 2026 is expected to remain relatively stable compared to 2025.

海量资讯、精准解读，尽在新浪财经APP

Massive information and precise interpretation, all in the Sina Finance APP.

责任编辑：秦艺

Editor: Qin Yi