上半年国有大行、股份制银行不良率较2025年初有所下降或持平

Core Insights - The overall asset quality of the banking industry in China remained stable in the first half of 2025, with a slight decrease in the non-performing loan (NPL) ratio, although there are regional disparities in credit quality [1] Summary by Category Asset Quality - As of June 2025, the average NPL ratio for commercial banks in China was 1.49%, with 16 out of 25 regions reporting an increase in NPL ratios compared to the beginning of 2025, indicating that while risks are generally controllable, localized pressures continue to be released [1] Regional Performance - Regions such as Gansu, Shanghai, Heilongjiang, and Hebei have successfully reduced both NPL ratios and the scale of NPLs, achieving improvements in one or both metrics [1] Bank Performance - The NPL ratios for state-owned banks and joint-stock banks were reported at 1.21% and 1.22%, respectively, both showing a decrease or remaining stable compared to the beginning of 2025 [1]