上市银行重点领域贷款余额增速亮眼

Group 1: Core Insights - The 2025 annual performance reports of 10 listed banks in A-shares show a year-on-year increase in net profit and stable asset growth, with some banks achieving double-digit growth in key sector loan balances [1][2] - The reported banks include four joint-stock banks, five city commercial banks, and one rural commercial bank, all of which have demonstrated revenue and net profit growth [2][3] Group 2: Financial Performance - Among the joint-stock banks, China Merchants Bank leads with a net profit of 150.18 billion yuan, a year-on-year increase of 1.21%, while Shanghai Pudong Development Bank shows a remarkable growth of 10.52% [2][3] - City commercial banks and rural commercial banks also reported revenue and net profit growth, with Ningbo Bank and Nanjing Bank showing significant increases in revenue [2][3] Group 3: Asset Quality and Risk Management - The asset quality of the 10 listed banks remains stable, with non-performing loan ratios ranging from 0.76% to 1.26%, and several banks have seen a decrease in their non-performing loan ratios compared to the previous year [7] - The overall provision coverage ratio has declined for most banks, indicating a strategic release of provisions to support net profit while maintaining a solid risk buffer [7]