Industrial Bank Risk Chief Sees Asset Quality Steady in H2, Divergence Across Sectors Still Unclear

Deep News08-28

On August 28, at the 2026 interim results briefing, Industrial Bank Co.,Ltd.'s Chief Risk Officer, Lai Furong, addressed the bank's asset quality outlook. He noted that for the credit card business, a more prudent risk classification standard was adopted this year, which accelerated the exposure of potential risks and led to an increase in new non-performing loans. However, this move is expected to strengthen the quality foundation of credit card assets and mitigate the impact of future risk events. Lai predicted that the credit card non-performing ratio in the second half of the year will still rise compared to last year.

Lai further stated that in the second half of the year, Industrial Bank Co.,Ltd.'s overall asset quality is expected to fluctuate within a reasonable range, yet the pattern of divergence across different business segments remains unclear. For the two key areas of corporate real estate and local government financing operations, new non-performing loans are likely to stay at low levels, with existing risks being steadily resolved. Meanwhile, the retail business will continue to be the focus of risk prevention, and the pressure to control new non-performing loans is expected to persist for some time.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/1170542498?lang=en_US&edition=fundamental","thumbnail":"","is_english":true,"pubTime":"2026-08-28 11:05","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"1170542498","market":"fut","top_or_hot":-1,"title":"Industrial Bank Risk Chief Sees Asset Quality Steady in H2, Divergence Across Sectors Still Unclear","media":"Deep News","content":"<p>On August 28, at the 2026 interim results briefing, <b>Industrial Bank Co.,Ltd.</b>'s Chief Risk Officer, Lai Furong, addressed the bank's asset quality outlook. He noted that for the credit card business, a more prudent risk classification standard was adopted this year, which accelerated the exposure of potential risks and led to an increase in new non-performing loans. However, this move is expected to strengthen the quality foundation of credit card assets and mitigate the impact of future risk events. Lai predicted that the credit card non-performing ratio in the second half of the year will still rise compared to last year.<br><br>Lai further stated that in the second half of the year, <b>Industrial Bank Co.,Ltd.</b>'s overall asset quality is expected to fluctuate within a reasonable range, yet the pattern of divergence across different business segments remains unclear. For the two key areas of corporate real estate and local government financing operations, new non-performing loans are likely to stay at low levels, with existing risks being steadily resolved. Meanwhile, the retail business will continue to be the focus of risk prevention, and the pressure to control new non-performing loans is expected to persist for some time.</p>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Industrial Bank Risk Chief Sees Asset Quality Steady in H2, Divergence Across Sectors Still Unclear</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIndustrial Bank Risk Chief Sees Asset Quality Steady in H2, Divergence Across Sectors Still Unclear\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1039043262\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/8296859682db4b478146245e72de1922);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Deep News </p>\n<p class=\"h-time\">2026-08-28 11:05</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>On August 28, at the 2026 interim results briefing, <b>Industrial Bank Co.,Ltd.</b>'s Chief Risk Officer, Lai Furong, addressed the bank's asset quality outlook. He noted that for the credit card business, a more prudent risk classification standard was adopted this year, which accelerated the exposure of potential risks and led to an increase in new non-performing loans. However, this move is expected to strengthen the quality foundation of credit card assets and mitigate the impact of future risk events. Lai predicted that the credit card non-performing ratio in the second half of the year will still rise compared to last year.<br><br>Lai further stated that in the second half of the year, <b>Industrial Bank Co.,Ltd.</b>'s overall asset quality is expected to fluctuate within a reasonable range, yet the pattern of divergence across different business segments remains unclear. For the two key areas of corporate real estate and local government financing operations, new non-performing loans are likely to stay at low levels, with existing risks being steadily resolved. Meanwhile, the retail business will continue to be the focus of risk prevention, and the pressure to control new non-performing loans is expected to persist for some time.</p>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"HK0000181138.USD","symbol_name":"DA CHENG CHINA BALANCED \"A\" (USD) INC","start_time":0,"source_url":"","article_id":"1170542498","we_media_id":"1039043262","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1170542498","pubTimestamp":1787886330,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Deep News","introduction":"Global Stock Market Deep Analysis","home_visible":1,"id":"1039043262","head_image":"https://community-static.tradeup.com/news/8296859682db4b478146245e72de1922"},"summary":"On August 28, at the 2026 interim results briefing, Industrial Bank Co.,Ltd.'s Chief Risk Officer, Lai Furong, addressed the bank's asset quality outlook. He noted that for the credit card business,...","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"601166":"兴业银行","HK0000181138.USD":"DA CHENG CHINA BALANCED \"A\" (USD) INC","BK0028":"国家队","LU1580142542.USD":"Blackrock Systematic China A-Share Opportunities A2 USD","LU0572939691.SGD":"Janus Henderson Horizon Asian Dividend Income A2 SGD","LU1781817850.SGD":"Blackrock Systematic China A-Share Opportunities A2 SGD-H","BK0183":"MSCI概念","LU1328615791.USD":"FULLERTON LUX FUNDS - ALL CHINA EQUITIES \"I\" (USD) ACC","LU0821914370.USD":"贝莱德亚洲成长领袖A2","BK0188":"融资融券","BK0187":"一线龙头","BK0012":"证金概念","LU0572940350.SGD":"Janus Henderson Horizon Asian Dividend Income A3 SGD","HK0000181112.HKD":"DA CHENG CHINA BALANCED \"A\" (HKD) INC","LU0264606111.USD":"Janus Henderson Horizon Asian Dividend Income A2 USD","BK0015":"沪股通50","LU1048596156.SGD":"Blackrock Asian Growth Leaders A2 SGD-H","BK0278":"货币金融"},"translate_title":"兴业银行风险主管预计下半年资产质量稳定，各板块分歧仍不明确","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"601166":1},"content_text":"On August 28, at the 2026 interim results briefing, Industrial Bank Co.,Ltd.'s Chief Risk Officer, Lai Furong, addressed the bank's asset quality outlook. He noted that for the credit card business, a more prudent risk classification standard was adopted this year, which accelerated the exposure of potential risks and led to an increase in new non-performing loans. However, this move is expected to strengthen the quality foundation of credit card assets and mitigate the impact of future risk events. Lai predicted that the credit card non-performing ratio in the second half of the year will still rise compared to last year.Lai further stated that in the second half of the year, Industrial Bank Co.,Ltd.'s overall asset quality is expected to fluctuate within a reasonable range, yet the pattern of divergence across different business segments remains unclear. For the two key areas of corporate real estate and local government financing operations, new non-performing loans are likely to stay at low levels, with existing risks being steadily resolved. Meanwhile, the retail business will continue to be the focus of risk prevention, and the pressure to control new non-performing loans is expected to persist for some time.","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":true,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":0,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"isLaohu8Offline":false,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.49.0","shortVersion":"4.49.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/1170542498","isCrawlerRequest":true}