Prospective CZBANK President Lu Linhua: Three Initiatives to Sharply Curtail Net Interest Margin Decline by 2025

Deep News03-31

On March 31, financial news reported that CZBANK held its 2025 performance briefing today. Prospective President Lu Linhua stated that the bank's net interest margin for 2025 is 1.60%, a decline of 11 basis points compared to the previous year. This represents a significant narrowing of the decline, which was 20 basis points in 2023 and 30 basis points in 2024. This outcome is attributed to both external policy adjustments and proactive internal measures taken by the bank.

Specifically, efforts were focused on three main areas. First, the bank strengthened pricing management to control the rapid downward trend in asset deployment prices. Currently, the bank conducts monthly reviews and analyses of business lines and products with the lowest asset prices. Second, a comprehensive net interest margin control mechanism was established, implementing full-process management from forecasting and decomposition to monitoring and evaluation across all departments and branches, thereby enhancing process control. Third, the bank optimized its asset structure, continuously revitalized existing assets, and increased efforts to phase out non-performing and low-efficiency assets. In 2025, the criteria for identifying low-efficiency corporate assets were further tightened.

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