Zheng Quan Ri Bao·2025-10-30 16:48Core Insights - The six major state-owned banks in China have reported stable growth in net profit and operating income for the first three quarters of 2023, collectively achieving a net profit of 1.07 trillion yuan [1][2] - All six banks maintained a non-performing loan (NPL) ratio below 1.34%, indicating strong asset quality [2] Group 1: Financial Performance - In the first three quarters of 2023, Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and Agricultural Bank of China (ABC) each reported net profits exceeding 200 billion yuan, with ICBC leading at 269.91 billion yuan [1] - The operating income for ICBC reached 640.03 billion yuan, followed by CCB at 573.70 billion yuan and ABC at 550.88 billion yuan [1] - China Bank reported the highest growth rate in operating income at 2.69%, totaling 491.20 billion yuan [1] Group 2: Asset Growth - As of September 2023, the asset scale of the six major banks showed steady growth, with CCB and ABC achieving double-digit growth rates of 11.83% and 11.33%, respectively [2] - The total assets for ICBC, ABC, and CCB were 52.81 trillion yuan, 48.14 trillion yuan, and 45.37 trillion yuan, respectively [2] Group 3: Risk Management - The NPL ratios for the six banks remained below 1.34%, with five banks showing a decrease compared to the end of 2024 [2] - Postal Savings Bank had the lowest NPL ratio at 0.94%, maintaining a long-standing low level [2] Group 4: Lending and Financial Services - The six major banks have focused on enhancing financial services in key areas, with loan growth rates generally exceeding the average [3] - ICBC's loan and bond investments increased by over 400 billion yuan, marking a new high for the year [3] - ABC's loans in rural areas surpassed 1 trillion yuan, while China Bank's inclusive finance loans reached 2.71 trillion yuan, growing by 18.99% year-on-year [3]