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上半年银行业总资产突破467万亿 总资产增近8%
Huan Qiu Wang·2025-08-16 03:09

Core Insights - The banking sector in China has shown a robust growth in total assets, reaching 467.3 trillion yuan by mid-2025, marking a year-on-year increase of 7.9% [1][2] - Large commercial banks have significantly contributed to this growth, with total assets amounting to 204.2 trillion yuan and a year-on-year growth rate of 10.4% [1] Financial Performance - As of mid-2025, the total liabilities of the banking sector reached 429.3 trillion yuan, reflecting an 8.0% increase compared to the previous year [2] - The cost-to-income ratio for commercial banks improved to 30.2%, a decrease of 5.3 percentage points from the previous year [3] - Non-interest income has been on the rise, reaching 25.75% of total income, an increase of 3.33 percentage points since the end of the previous year [3] Asset Quality and Risk Management - The non-performing loan (NPL) balance stood at 3.4 trillion yuan, with a slight decrease of 24 billion yuan from the previous quarter, resulting in an NPL ratio of 1.49% [3] - The banking sector has proactively managed credit risk, 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 [3] Capital Adequacy - Capital adequacy ratios have improved, with the overall capital adequacy ratio at 15.58%, up by 0.30 percentage points from the previous quarter [3] - The Tier 1 capital adequacy ratio reached 12.46%, increasing by 0.28 percentage points, while the core Tier 1 capital adequacy ratio was 10.93%, up by 0.24 percentage points [3] Lending to Key Sectors - The balance of inclusive small and micro enterprise loans reached 36 trillion yuan, with a year-on-year growth of 12.3% [2] - Large commercial banks have played a crucial role in this lending, with their inclusive small and micro loans exceeding 16 trillion yuan, representing a 2.34 percentage point increase in market share compared to the end of the previous year [2]