Zheshang Bank Governor Lu Linhua said at the bank's 2026 semi-annual performance briefing that the bank's net interest income declined slightly in the first half of the year, but there was a marked improvement on the margins, and the decline in net interest spreads narrowed markedly. This was due to work on both sides of debt and assets. Among them, on the debt side, the bank actively grabbed accounts, settlement, and proxy payments, which led the bank's share of low-cost demand deposits to increase by 1.44 percentage points in the first half of the year, reversing the downward trend; on the asset side, it focused on two improvements. “The first is to adjust the pace. In the first half of the year, we invested early and made early profits. The share of loans increased by 0.67 percentage points in the first half of the year; second, revitalizing inefficient assets with a pressure drop of less than 1.2%, the cumulative pressure drop in the first half of the year. At the same time, we are also doing a good job in integrated management of local and foreign currency assets. Net interest spreads on foreign currency assets increased 0.67 percentage points year over year in the first half of the year.” Lu Linhua said.

Zheshang Bank Governor Lu Linhua said at the bank's 2026 semi-annual performance briefing that the bank's net interest income declined slightly in the first half of the year, but there was a marked improvement on the margins, and the decline in net interest spreads narrowed markedly. This was due to work on both sides of debt and assets. Among them, on the debt side, the bank actively grabbed accounts, settlement, and proxy payments, which led the bank's share of low-cost demand deposits to increase by 1.44 percentage points in the first half of the year, reversing the downward trend; on the asset side, it focused on two improvements. “The first is to adjust the pace. In the first half of the year, we invested early and made early profits. The share of loans increased by 0.67 percentage points in the first half of the year; second, revitalizing inefficient assets with a pressure drop of less than 1.2%, the cumulative pressure drop in the first half of the year. At the same time, we are also doing a good job in integrated management of local and foreign currency assets. Net interest spreads on foreign currency assets increased 0.67 percentage points year over year in the first half of the year.” Lu Linhua said.