YZJFH YANGZIJIANG FINANCIAL HOLDING LTD

[CY09]

Am reading the company's largest business segment and has taken an interest due to its low P/E and low P/B

https://www.yzjfin.com/services/debt-investment/

For a company that is earning about 10.1% interest but a NPL of 16.3%. Is this a fair risk/reward ratio? Not that sure of this, hence asking fellow buddies who has banking or financing experience.

Thanks

[specuvestor]

Prima Facie no but based on my understanding it is fully provided for hence >1 coverage ratio and it is collateralised so risk is very low. That's what they presented that they have very little write off