Vicepresidente del Banco de Comunicaciones, Zhou Wanfu: optimización y ajuste en tiempo real de la estructura de activos y pasivos

Beijing Business News (Reporter Song Yitong) On March 27, Bank of Communications held a performance briefing for the year 2025. The bank’s vice president, Zhou Wanfu, pointed out that net interest margin management is a key issue related to the sustainable and stable development of commercial banks and the enhancement of performance. Since last year, Bank of Communications has achieved basic stability in net interest margin through various efforts.

Zhou Wanfu noted that from the perspective of the new year, loan interest rates still have downward pressure, while liability repricing will bring some new benefits. To this end, Bank of Communications will strive in the following areas to maintain a stable and improving net interest margin: First, strictly manage the balance of volume and price for deposits and loans, and hold each business line and operational unit accountable for the responsibility of balanced development; Second, implement refined pricing management for deposits and loans, strictly adhering to the requirements of the self-discipline pricing mechanism; Third, scientifically optimize the arrangement of asset and liability structure, focusing on the bank’s operational goals and overall pricing trends, and dynamically optimizing and adjusting the asset and liability structure in real time based on various asset-liability ratio relationships, the bank’s liquidity, and interest rate risks, among other factors.