PAB(000001)2025-01-17 08:52Group 1: Asset Quality and Loan Performance - As of September 2024, the personal loan non-performing rate is 1.43%, an increase of 0.06 percentage points from the end of the previous year [1] - The non-performing rates for various loan types are as follows: - Mortgage loans: 0.60%, up 0.30 percentage points - Credit card loans: 2.64%, down 0.13 percentage points - Consumer loans: 1.26%, up 0.03 percentage points - Business loans: 1.04%, up 0.21 percentage points [1] Group 2: Credit Card Business Insights - The credit card receivables balance is 453.088 billion yuan, a decrease of 11.9% from the end of the previous year, with a non-performing rate of 2.64%, down 0.13 percentage points [1] - The bank aims to optimize the consumption and asset structure of credit card business for sustainable development [1] Group 3: Mortgage Loan Situation - The mortgage loan balance is 312.537 billion yuan, an increase of 3.0% from the end of the previous year, with a non-performing rate of 0.60%, up 0.30 percentage points [1] Group 4: Support for Small and Micro Enterprises - As of September 2024, the number of small and micro enterprises with loans of 1 million yuan or less is 843,100, with a total loan balance of 506.3 billion yuan [2] - Cumulative issuance of loans to small and micro enterprises reached 160.2 billion yuan in the first three quarters of 2024, with non-performing rates maintained within a reasonable range [2]