Investor Presentaiton
> Asset quality remained stable
NPL ratio declined
down 0.05
ppt
Special Mention loan balance & ratio both declined
down 0.68 ppt
1.42%
1.40%
1.37%
2018
1H2019
2019
Overdue loan balance & ratio both declined
down 0.62 ppt
RMB billion
1.87%
1.42%
220.0
178.6
2018
Overdue loans
1H2019
RBM billion
2.90%
2.73%
2.22%
342.4
342.2
289.3
2018
1H2019
2019
SML ratio
Special-mention loans
Credit risk indicators kept positive trend
1.25%
◆ Scissors difference between overdue loans and NPLs
remarkably shrank to RMB -15.6 billion
Proportion of ≥90 days-overdue loans to NPLs shrank to
56.0%, down 25 ppts from the prior year-end
◆ NPL coverage ratio increased to 182.86%, up 0.89 ppt from
the prior year-end
162.6
2019
Overdue loan ratio
7View entire presentation