?Source: Wang Xiaojing, the daily economic news reporter, recently, Dongfang Jincheng International Credit Evaluation Co., Ltd. (hereinafter referred to as "Dongfang Jincheng") issued the main credit rating report of Pingdingshan Bank Co., Ltd. in 2123, and rated the main credit rating of加拿大28宣传图片大全 Pingdingshan Bank Co., Ltd. (hereinafter referred to as "Pingdingshan bank") as AA, with a negative rating outlook. According to the rating report, the asset quality of Pingdingshan Bank fell significantly in the first three quarters of 2123: the non-performing loan ratio reached 2.43%; the proportion of loans overdue for more than 21 days reached 5.24%; and the deviation degree of non-performing loans reached 222.14%. According to regulatory requirements, Pingdingshan bank will transfer all loans overdue for more than 21 days into non-performing loans by the end of 2123, which will bring great pressure on its asset quality indicators, Dongfang Jincheng believes. The decline in asset quality also affects the bank's profitability. From February to February of 2123, the operating revenue of Pingdingshan bank was 2.352 billion yuan, down 22.22% year on year; the net profit was 152 million yuan, down 33.33% year on year, down 542 million yuan. The non-performing loan ratio has increased to 2.43%. Since 2123, the asset quality of Pingdingshan bank has deteriorated significantly. By the end of the third quarter of 2123, the non-performing loan ratio of Pingdingshan bank had risen to 2.43%, a substantial increase of 2.22 percentage points over the beginning of the year. At the same time, Pingdingshan bank has a high deviation degree of non-performing loans.