Di Yi Cai Jing·2025-09-02 07:01Core Viewpoint - The overall asset quality of the banking industry has improved, but there are still upward signals in non-performing loan (NPL) rates for personal loans, real estate, credit cards, and business loans [1][5]. Group 1: Asset Quality Trends - Most listed banks reported an improvement in asset quality in the first half of 2025, with a total asset scale of 321.33 trillion yuan, a growth of 6.35% from the beginning of the year [2]. - Among the state-owned banks, the total asset scale reached approximately 214 trillion yuan, growing by 7.18%, which is better than the industry average [2]. - 20 listed banks saw a decrease in NPL rates compared to the end of last year, while 7 banks experienced an increase [2]. Group 2: Non-Performing Loan Rates - The highest NPL rates among listed banks were reported by Lanzhou Bank (1.81%), Zhengzhou Bank (1.76%), and Qingnong Bank (1.75%) [3]. - The overall NPL rate for commercial banks was 1.49% at the end of the second quarter [3]. - Specific banks like Guiyang Bank saw a significant increase in NPL rates, with real estate NPLs rising by 70 basis points to 1.75% [5]. Group 3: Sector-Specific Risks - The real estate sector continues to pose risks, with several banks reporting significant increases in NPL rates in this area, including Qingnong Bank, which saw its real estate NPL rate surge from 7.17% to 21.32% [5][6]. - Personal loan NPL rates have also shown an upward trend, with many banks reporting increases of over 30 basis points [6][7]. - State-owned banks have generally seen a decline in corporate loan NPL rates, but some, like ICBC and Bank of Communications, reported increases in real estate NPL rates [6][9]. Group 4: Management Responses - Bank executives have acknowledged the ongoing pressure from asset quality, particularly in real estate and personal loans, and have outlined strategies for risk management [9][10]. - Measures include enhancing risk control in key sectors, improving loan management, and increasing support for high-quality clients [10][11]. - The focus will be on maintaining a balance between risk management and supporting economic growth through lending [10][12].