On August 27, Jin Xinian, deputy governor and risk director of China CITIC Bank, stated at the bank's 2026 semi-annual results conference that he is confident of maintaining stable asset quality throughout the year and even the next few years. Jin Xinian said that China CITIC Bank's asset quality achieved “three stability” in the first half of the year: first, the non-performing rate was stable at 1.15% in the first half of the year, and remained stable on the basis of a 7-year decline in the non-performing rate; second, the non-performing loan generation rate was stable in the first half of the year, the same as the same period last year; third, provision coverage was stable. The provision coverage rate for the first half of the year was 203.12%, a slight decrease of 0.49 percentage points from the same period last year. From a structural perspective, the non-performing ratio in the first half of the year was 1.08%, down 0.01 percentage points from last year, and the retail defect rate was 1.33%, up 0.01 percentage points from the end of last year. “Behind stable asset quality, there is not only adherence to risk control concepts, but also progress in risk control systems and capabilities. Over the years, we have always adhered to the business philosophy of controlling risk effectively and promoting development. We emphasized preferring profit, not risk, and pursuing rewards that filter out risk.” Kim Hee-yeon said. “We are still full of confidence in the asset quality of China CITIC Bank in the second half of this year and in the future.” Jin Xinian pointed out that China CITIC Bank has now clarified the goal of “risk control creates value”, continues to improve the risk control system, optimize the credit structure, and improve management efficiency. We are confident that it will maintain stable asset quality throughout the year and even the next few years.

On August 27, Jin Xinian, deputy governor and risk director of China CITIC Bank, stated at the bank's 2026 semi-annual results conference that he is confident of maintaining stable asset quality throughout the year and even the next few years. Jin Xinian said that China CITIC Bank's asset quality achieved “three stability” in the first half of the year: first, the non-performing rate was stable at 1.15% in the first half of the year, and remained stable on the basis of a 7-year decline in the non-performing rate; second, the non-performing loan generation rate was stable in the first half of the year, the same as the same period last year; third, provision coverage was stable. The provision coverage rate for the first half of the year was 203.12%, a slight decrease of 0.49 percentage points from the same period last year. From a structural perspective, the non-performing ratio in the first half of the year was 1.08%, down 0.01 percentage points from last year, and the retail defect rate was 1.33%, up 0.01 percentage points from the end of last year. “Behind stable asset quality, there is not only adherence to risk control concepts, but also progress in risk control systems and capabilities. Over the years, we have always adhered to the business philosophy of controlling risk effectively and promoting development. We emphasized preferring profit, not risk, and pursuing rewards that filter out risk.” Kim Hee-young said. “We are still full of confidence in the asset quality of China CITIC Bank in the second half of this year and in the future.” Jin Xinian pointed out that China CITIC Bank has now clarified the goal of “risk control creates value”, continues to improve the risk control system, optimize the credit structure, and improve management efficiency. We are confident that it will maintain stable asset quality throughout the year and even the next few years.