During the 2026 interim results briefing held on August 25, Bank of Chongqing executives addressed the current state of retail asset quality. Wang Xiang, General Manager of the Corporate Banking Department, noted that the bank's retail asset quality trends align with those of major listed banks, influenced by earlier weaknesses in personal consumption demand and subdued consumer expectations.

Wang outlined the bank's primary strategies, including the establishment of a specialized asset quality control task force to strengthen coordination across the first, second, and third lines of defense, thereby reinforcing the overall risk management framework. Additionally, the bank is continuously optimizing its asset structure by refining models and adjusting risk control strategies to enhance its product offerings.

Efforts are also being intensified on the disposal front, with a rolling approach implemented for non-performing assets under a "one-policy-per-category" framework. Looking ahead, Wang stated that Bank of Chongqing will persist in building a solid customer base through broad coverage and deep engagement, adapting to the diverse financing needs arising from evolving consumer spending patterns.

The bank plans to leverage advanced digital risk controls and predictive risk analytics, utilizing precise customer profiling and agile warning systems to elevate the efficiency and sophistication of its consumer credit operations. Wang expressed confidence that as national policies supporting consumer finance and inclusive finance take effect, leading to improved consumer sentiment and demand, the quality of the bank's retail loan assets is expected to see sustained enhancement.

He concluded, "With the gradual impact of these supportive policies, we anticipate that both consumer confidence and demand will improve, positioning our retail loan asset quality for ongoing improvement."