最新监管数据发布：银行业经营质效提升，总资产增近8%

Core Viewpoint - The banking industry in China has shown resilience and stability in the first half of the year, with key indicators such as non-performing loan ratio, provision coverage ratio, and capital adequacy ratio remaining stable and improving, indicating a strong capacity to resist risks and support the real economy [1][8]. Group 1: Banking Industry Performance - As of mid-year, total assets of banking financial institutions reached 467.3 trillion yuan, a year-on-year increase of 7.9%, with large commercial banks holding 204.2 trillion yuan, up 10.4% [1]. - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49%, down 0.02 percentage points [8]. Group 2: Support for the Real Economy - The balance of inclusive micro and small enterprise loans reached 36 trillion yuan, growing by 12.3% year-on-year, while inclusive agricultural loans increased to 13.9 trillion yuan, with an increase of 1.1 trillion yuan since the beginning of the year [3][4]. - Large commercial banks accounted for over 16 trillion yuan of the inclusive micro and small enterprise loans, with their share increasing by 2.34 percentage points compared to the end of the previous year [4]. Group 3: Operational Efficiency and Cost Management - The cost-to-income ratio for commercial banks was 30.2%, a decrease of 5.3 percentage points from the previous year, while the proportion of non-interest income rose to 25.75%, an increase of 3.33 percentage points [6]. - The net interest margin remained stable at 1.42%, with a slight decrease of 0.01 percentage points from the first quarter [6]. Group 4: Credit Risk Management - The banking sector has proactively managed credit risks, increasing provisions by 1.1 trillion yuan in the first half of the year, which is 579 billion yuan more than the previous year, and disposed of 1.5 trillion yuan of non-performing assets, an increase of 1.236 trillion yuan year-on-year [8]. - Capital adequacy ratios improved, with the overall capital adequacy ratio at 15.58%, up 0.30 percentage points from the previous quarter [8]. Group 5: Capital Expansion - Since the beginning of the year, the issuance of tier-2 capital bonds and perpetual bonds by commercial banks has exceeded 1 trillion yuan [9]. - Major banks such as Bank of China, Agricultural Bank of China, and Bank of Communications have issued total loss-absorbing capacity (TLAC) non-capital bonds, with total issuance amounts of 80 billion yuan, 80 billion yuan, and 70 billion yuan respectively [9].