Hua Xia Shi Bao·2026-02-15 11:57Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have published the list of systemically important banks for 2025, with notable changes including the inclusion of Zheshang Bank as the 10th national joint-stock bank and adjustments in rankings for several other banks [2][3][4]. Group 1: Systemically Important Banks - A total of 21 banks have been recognized as systemically important, categorized into five groups based on their importance scores [3][4]. - The first group includes 11 banks such as China Minsheng Bank and Zheshang Bank, while the second group includes 4 banks including Industrial Bank and China Postal Savings Bank [3][4]. - The list comprises 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks, with Zheshang Bank marking the first time the number of joint-stock banks has reached 10 [3][4]. Group 2: Regulatory Implications - Being classified as a systemically important bank enhances a bank's credibility and brand image but also necessitates greater resource allocation for internal control and risk management to meet stricter regulatory standards [2][4]. - The additional capital requirements for these banks vary by group, with the first group requiring an additional 0.25% capital and the fifth group requiring 1.5% [5][6]. Group 3: Specific Bank Analysis - Zheshang Bank, which officially opened in August 2004, reported a revenue of 33.248 billion yuan and a net profit of 7.667 billion yuan for the first half of 2025, with total assets of 3.35 trillion yuan and a non-performing loan ratio of 1.36% [6]. - The inclusion of Zheshang Bank in the systemically important list is expected to enhance its market reputation and brand influence, while also imposing stricter requirements on its capital adequacy and governance [6][7]. - For Industrial Bank, moving from the third to the second group may alleviate some capital pressure and reduce compliance costs, reflecting a relative improvement rather than a decline in operational performance [7].