最新监管数据发布：银行业经营质效提升，总资产增近8%

Core Viewpoint - The banking industry shows a strong resilience and improved operational efficiency, with total assets increasing by nearly 8% year-on-year, indicating a stable and positive trend in the sector [1] Group 1: Asset Growth and Financial Stability - As of mid-2023, the total assets of banking financial institutions reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks' assets growing by 10.4% to 204.2 trillion yuan [1] - The non-performing loan (NPL) ratio stands at 1.49%, a decrease of 0.02 percentage points from the previous quarter, reflecting overall stability in asset quality [5] Group 2: Support for the Real Economy - The balance of inclusive micro and small enterprise loans reached 36 trillion yuan, growing by 12.3% year-on-year, while inclusive agricultural loans increased by 1.1 trillion yuan to 13.9 trillion yuan [2] - Large commercial banks accounted for over 16 trillion yuan of the inclusive micro and small enterprise loans, with a year-on-year increase of 13.84%, leading the industry in loan growth [3] Group 3: Operational Efficiency and Cost Management - The cost-to-income ratio for commercial banks improved to 30.2%, a decrease of 5.3 percentage points compared to the previous year, indicating enhanced operational efficiency [4] - Non-interest income as a proportion of total income rose to 25.75%, an increase of 3.33 percentage points since the end of last year, showing a positive trend in diversifying income sources [4] Group 4: Credit Risk Management - The banking sector has proactively managed credit risks, with new provisions totaling 1.1 trillion yuan, an increase of 579 billion yuan year-on-year, and the disposal of non-performing assets reaching 1.5 trillion yuan, up by 1.236 trillion yuan [5] - Capital adequacy ratios improved, with the overall capital adequacy ratio at 15.58%, up 0.30 percentage points from the previous quarter [5] Group 5: Capital Expansion - The issuance of subordinated debt and perpetual bonds by commercial banks has exceeded 1 trillion yuan this year, indicating a strong push for external capital [6] - Major banks have issued total loss-absorbing capacity (TLAC) bonds to meet regulatory requirements, with total issuance amounts of 800 billion yuan for Bank of China and Agricultural Bank of China, and 700 billion yuan for Bank of Communications [6]