Bank of Communications Vice President Zhou Wanfu: Real-time dynamic optimization and adjustment of asset-liability structure

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 the management of net interest margin is a key issue concerning the sustainable and stable development of commercial banks and the improvement of their performance. Since last year, Bank of Communications has achieved basic stability in net interest margin through various efforts.

Zhou Wanfu indicated that, looking at the new year’s situation, loan interest rates still face downward pressure, while the repricing of liabilities will bring some new benefits. Therefore, Bank of Communications will strive in the following areas to maintain the stabilization and improvement of net interest margin: first, strictly manage the balance of volume and price for deposits and loans, ensuring that each business line and operational unit is accountable for the balance in 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 the asset-liability structure, aligning with the bank’s operational goals and overall pricing trends, while taking into account various asset-liability pricing relationships, the bank’s liquidity, and interest rate risk factors for real-time dynamic optimization and adjustment of the asset-liability structure.