券商中国·2026-02-13 23:49Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration released the list of systemically important banks for 2025, identifying 21 domestic banks, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1][3]. Group 1: Systemically Important Banks - The 2025 list categorizes banks into five groups based on their systemic importance scores, with the first group containing 11 banks, including China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [3]. - Zheshang Bank is newly included in the first group, becoming the 10th joint-stock commercial bank recognized [1]. - Industrial Bank has moved from the third group to the second group, indicating a change in its systemic importance [1]. Group 2: Regulatory Framework - Systemically important banks are subject to additional capital requirements based on their group classification, with the first group requiring a 0.25% additional capital, increasing to 1.5% for the fourth group [3]. - These banks must also meet additional leverage ratio requirements, which are set at 50% of the additional capital requirements, to be satisfied by Tier 1 capital [3]. - The regulatory bodies emphasize the importance of macro-prudential management and micro-prudential supervision to ensure the safe and sound operation of systemically important banks, thereby supporting the high-quality development of the real economy [3].