China Everbright Bank Deputy Governor Addresses Asset Quality Fluctuations： Overall Risk Remains Manageable Amid Strategic Transition

At the 2026 interim results conference held on August 28, China Everbright Bank Company Limited Deputy Governor Qi Ye addressed concerns regarding recent asset quality performance, stating that the observed fluctuations and pressure are primarily attributable to the bank's ongoing critical phase of strategic transformation. Confronting a dynamic external and internal environment, the bank has implemented a series of measures since the start of the year aimed at mitigating risks, reasonably provisioning for potential losses, and intensifying efforts to resolve non-performing assets.

These initiatives are deemed essential for the bank's sustained future growth, representing a necessary pathway toward high-quality development. Looking ahead, Qi Ye outlined plans to strengthen institutional frameworks and elevate comprehensive risk management capabilities. The strategy includes effectively translating credit policies and lending strategies, precisely channeling credit resources into key sectors of the country's 15th Five-Year Plan and high-quality market participants, and optimizing incremental business to construct a resilient asset portfolio.

Further details include reinforcing credit process management across all stages. Pre-lending measures will emphasize early risk identification, strict control over new client admission standards, enhanced customer due diligence, and comprehensive anti-fraud management, ensuring rigorous assessment of client qualifications and repayment capacity while dynamically adjusting admission strategies based on evolving risk conditions. During the lending phase, the bank aims to improve review and approval efficiency and strengthen risk screening capabilities for forward-looking risk control.

Post-lending management will focus on robust risk prevention in key areas through frequent early warnings and dynamic monitoring, adapting to future risk developments. Additionally, the bank plans to advance the professionalization, refinement, and intensification of special asset management, employing diverse methods to accelerate risk asset resolution. Qi Ye concluded by affirming that the bank's overall asset quality remains manageable and under control.