On October 31, CM BANK held its Q3 2025 earnings conference. The bank's management stated that retail micro loans currently face challenges such as insufficient financing demand and rising risks. Banks are grappling with the dilemma of balancing scale expansion, pricing discipline, and risk control—some opt for low-price competition to boost volume, while others scale back due to risk pressures.

In response, CM BANK's management emphasized that the top priority is maintaining strict risk quality control. Only then can the bank pursue balanced growth in both pricing and loan volume.

Regarding non-performing loan (NPL) ratios, Q3 reports show CM BANK's micro loan NPL ratio rose to 1.11% by end-September, up 32 basis points year-to-date, with a slight quarter-over-quarter increase.

The management acknowledged: "Amid rising industry-wide retail loan risks, CM BANK is not immune. However, we've implemented proactive risk strategies: (1) selective customer targeting, (2) focus on premium regions like the Yangtze River Delta, Greater Bay Area, and tier 1-2 cities, and (3) strong collateral coverage—90% of micro loans are secured with well-controlled loan-to-value ratios. Our provisions remain adequate."