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at the end of june 2023, the lawsuits between torgis group and baoneng group once again attracted attention in the industry. this lawsuit involves a loan principal of 2.8 billion yuan and a huge amount of penalty interest, which makes countless people feel uneasy. the bank of shanghai also faces the same challenge. it actively responds to risks brought about by the downturn in the real estate industry and strives to reduce the scale of non-performing loans by fully making provision for impairment losses. however, the shadow of the lawsuit always hangs over it.

in recent years, the overall downward trend of the real estate industry has caused all walks of life to seriously face this "unspeakable disaster". city commercial banks and rural commercial banks have encountered waves of lawsuits, and the bank of shanghai is also facing tremendous pressure. they must find a balance in sound operations.

nonetheless, bank of shanghai showed a positive side in this year's semi-annual report. asset quality is overall stable, the balance of real estate industry loans continues to decline, and the non-performing loan ratio has dropped significantly. it lays a solid foundation for future development by strictly classifying assets, fully exposing risks, actively resolving risks, and making objective and reasonable provision for impairment losses on loans and advances.

however, the shadow of the lawsuit has always shrouded shanghai bank, which has to face these "unknown" challenges. it must find a balance between sound operations. its fate is closely related to the real estate industry, and it needs to continue to work hard to get out of trouble and move forward.