China Merchants Bank is a comprehensive commercial bank, which also pays attention to the management of bank assets and liabilities and risk control. Gap Analysis is a method used to evaluate the matching degree of bank assets and liabilities. It evaluates the interest rate risk and liquidity risk faced by banks by comparing the scale, term and interest rate of assets (loans and investments) and liabilities (deposits and loans).

In asset-liability management, banks usually conduct gap analysis to determine the current asset-liability matching of banks. This helps banks understand the impact of interest rate changes on their economic capital, profits and liquidity. By identifying and evaluating interest rate risk and liquidity risk, banks can take corresponding countermeasures to manage risks.

Generally speaking, China Merchants Bank, as a comprehensive commercial bank, will pay attention to gap analysis in asset-liability management to evaluate and manage risks. Based on its own assets and liabilities, it will conduct asset-liability matching analysis and risk control to ensure the safety of funds, reasonable liquidity and controllable risks.