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Next year's profit will increase by 6.1%

With continued loan growth of 5.5%, expanded net interest margin, and slightly lower credit costs (21 basis points), next year's core net profit will increase by 6.1%, and the average ROE of banks will increase to 10.5%.

In addition, analysts believe that considering the unused management coverage reserves of most banks, it is expected that they can be gradually rolled back, bringing unexpected joy to credit costs.