来源：华夏时报 资本充足水平下滑，长安银行通过增资扩股来"解渴"。 近日，国家金融监管局发布批复，同意长安银行增资扩股，募集股份不超过26.11亿股，募集资金全部 用于补充核心一级资本。 今年年内，长安银行资本充足率下滑明显。相关报告显示，三季度该行核心一级资本充足率8.23%，较 上年末下滑0.92个百分点。虽符合监管标准，但低于行业平均水平。与此同时，2024年该行贷款增速提 高，资产质量有所下行。 12月9日，《华夏时报》记者就资本充足率下降及资产质量控制的相关问题采访了长安银行，截至发稿 暂未收到回复。 26.11亿股增资扩股获批 长安银行成立于2009年7月29日，是由宝鸡市商业银行、咸阳市商业银行和渭南城市信用社、汉中城市 信用社、榆林城市信用社等五家金融机构，引入陕西延长集团、陕西煤业集团、陕西有色集团等战略投 资者，以新设合并方式组建，是陕西省第一家省级法人股份制商业银行。 自成立以来，长安银行进行多次增资扩股，其注册资本金已从最初的30亿元增至75.77亿元，当前前三 大股东陕西延长集团持股19.04%，陕西煤业集团持股18.71%，陕西有色集团持股11.22%。 陕西金融监管局在相关批复中 ...

来源：深圳商报 | | 国家金融监督管理总局 | | | | | 无障碍浏览 繁 EN 区 | | --- | --- | --- | --- | --- | --- | --- | | | | | | | | 请输入您要搜索的内容 ... 0 | | A 机构概况 | 新闻资讯 政务信息 在线服务 互动交流 | | | | | 统计数据 专题专栏 | | 当前位置： 首页 > 政务信息 > 行政处罚 > 派出机构 | | | | | | | | 发布时间：2025-12-08 | 来源：贵州监管局 | 文章类型:原创 | | | 合打印 6 微博 9 微信 +更多 | | | | 国家金融监督管理总局遵义监管分局 行政处罚信息公开表 | | | | | | | | （遵金罚決字〔2025〕 27-28号） | | | | | | | | 序 当事人名称 | 行政处罚决 | 主要违法违规 | 行政处 | 作出决 | | | | 특 | 定书文号 | 行为 | 罚内容 | 定机关 | | | | 贵州银行股份 1 有限公司遵义 播州支行 | 遵金罚决字 (2025) 27 ਫੈ | | 罚款30 万元 | 遵义 ...

Core Viewpoint - Guangzhou Rural Commercial Bank is under significant asset quality pressure and has sold a large asset package worth 12.25 billion yuan to quickly reduce its burden and improve liquidity [1][2]. Group 1: Asset Sale Details - The bank sold assets to Guangzhou Asset Management Co., with a total consideration of 12.25 billion yuan, involving a debt amount of approximately 18.93 billion yuan [1][2]. - This marks the third consecutive year that Guangzhou Rural Commercial Bank has divested over 10 billion yuan in inefficient assets, totaling 31.71 billion yuan over three years, with a total debt amount of about 48.1 billion yuan [1][4]. - The transaction will be paid in installments, with 30% already paid and the remaining 70% to be paid in nine annual installments from 2026 to 2034 [2]. Group 2: Financial Performance and Asset Quality - As of June 30, 2025, the bank's non-performing loan (NPL) ratio increased to 1.98%, up from 1.66% at the end of the previous year, indicating ongoing asset quality challenges [1][5]. - The bank's net profit attributable to shareholders decreased by 6.83% year-on-year to 1.374 billion yuan in the first half of 2025, despite a 9.41% increase in operating income [1][6]. - The bank's credit impairment losses reached 3.808 billion yuan, a 30.6% increase year-on-year, significantly impacting its financial performance [6]. Group 3: Strategic Intentions - The asset sale aims to quickly convert assets into cash, allowing the bank to invest in other potential high-quality assets and optimize its asset structure [7]. - The proceeds from the asset sale will be used for general operational funding, which is expected to lower the NPL ratio and provisioning amounts, thereby enhancing overall efficiency [7]. - The bank's capital adequacy ratios have declined, with the total capital adequacy ratio falling from 14.52% to 13.62% as of June 30, 2025 [7].

11月26日，省十四届人大常委会第十九次会议听取了省政府《关于全省金融工作情况的报告》。报 告显示，前三季度，全省社会融资规模增量达2.99万亿元、居全国第一，法人金融机构总资产超15万亿 元，全省银行业不良贷款率0.82%、处于全国较低水平，金融业有力支撑江苏扛起经济大省挑大梁的责 任担当。 报告称，今年以来全省金融要素供给充裕、保障有力。前三季度，全省新增本外币贷款2.31万亿 元，保持全国第一；制造业贷款、科技型企业贷款、绿色贷款、普惠小微贷款余额分别较年初增长 11.1%、16.2%、22.9%和11%；非金融企业（不含央企）发行债券1.15万亿元。今年截至目前，全省新 增境内上市公司24家、居全国第一，其中23家属于战略性新兴产业；科创板和北交所上市公司数量分别 达114家、54家，均居全国首位。全国私募创投类基金投资江苏企业的在投本金规模超3000亿元，居各 省首位。 地方金融改革向新而行、亮点颇多。通过组建省国金投资集团和江苏农商联合银行，我省国有金融 资本布局进一步优化；通过设立华东地区首家信用增进公司，大力支持中小科创企业债券融资。省战略 性新兴产业基金集群加快发展，产业专项基金总规模已超千 ...

Core Insights - The non-performing loan (NPL) ratio in Ghana's banking sector has decreased from 22.7% in October 2024 to 19.5% in October 2025, a reduction of 3.2 percentage points over twelve months, attributed to a rebound in credit and a contraction in total NPLs [1][1][1] - The Bank of Ghana aims to further reduce the NPL ratio to a maximum of 10% by December 2026, necessitating significant improvements in credit management and loan recovery capabilities among banks [1][1][1] - The central bank has lowered the monetary policy rate from 21.5% to 18%, a decrease of 350 basis points, to stimulate investment and economic activity [1][1][1] - As of October 2025, Ghana's international reserves reached $11.4 billion, equivalent to 4.8 months of import cover, providing a foundation for exchange rate stability and macroeconomic support [1][1][1] - The decline in the NPL ratio indicates enhanced asset quality and risk management capabilities within the banking sector, suggesting a gradual recovery from the impacts of debt restructuring [1][1][1]

Summary of Conference Call on China Banks and Property Industry Overview - The focus is on the Chinese banking sector and the property market, particularly the risks associated with property-backed loans and the implications for banks and borrowers [2][3][4]. Key Points 1. Rising Risks in Property-Backed Loans - Individual property-backed loan risks are increasing due to ongoing declines in property prices, raising concerns about potential defaults on mortgages and business operating loans [2][3]. - Key metrics indicating risk include: - **Foreclosed Properties**: 2.1 million units, or 1.8% of total properties with mortgages or loans [2]. - **Negative Cash Flow**: 1.2% of mortgage holders and 4.8% of all borrowers may have insufficient income to cover their loans [2][3]. - **Negative Equity**: Expected to rise from 0.7 million units in 2025 to 3.3 million units by 2027, with loan losses projected to reach RMB 232 billion [2][9]. 2. Cash Flow as a Key Driver of Defaults - Cash flow issues, rather than property price declines, are seen as the primary driver of potential defaults [3]. - Historical reference from Hong Kong (1997-2003) shows that despite significant property price declines, delinquency rates remained low, indicating that cash flow is a more critical factor [3][16][17]. 3. Regulatory Measures and Their Implications - Anticipated regulatory measures to mitigate risks include: - Personal credit relief policies to remove small defaults from credit reports [4]. - Delivery of over 7.5 million stalled housing units by the end of 2025 [4]. - Potential mortgage rate cuts below 3% [4]. - These measures could lead to increased secondary market listings, putting further pressure on property prices [4]. 4. Implications for Banks - The banking sector is expected to face manageable risks, with a projected NPL ratio of 3% (1.6% for mortgages and 4.8% for MSE/business operating loans) [5]. - Large state-owned banks may need to make additional provisions equivalent to 11-10 basis points of annualized credit cost [5]. - The estimated additional provisioning needed for banks could amount to RMB 0.3 trillion, representing 7.3% of annual PPOP in 2025 [74]. 5. Foreclosure and Refinancing Risks - The number of foreclosed properties is expected to rise significantly, with estimates of 0.64 million units in 2025 and 2.43 million units by 2027 due to refinancing pressures on business operating loans [25][27]. - The outstanding operating loan amount was RMB 29.4 trillion as of the end of 2023, with a significant portion backed by physical property [24]. 6. Market Sentiment and Future Expectations - A significant increase in respondents indicating they will not buy a house in the next two years, rising from 32% in 2024 to 45% in 2025, reflects a pessimistic outlook on the property market [62]. - Property prices are expected to decline by 10% in 2026 and 5% in 2027, following a 12% decline in 2025 [65][68]. 7. Potential Policy Responses - Forbearance measures, such as repayment extensions and penalty waivers, are expected to be implemented to contain defaults [69]. - The PBOC is considering reforms to the personal credit system to alleviate the impact of delinquencies on borrowers [71]. 8. Conclusion - The overall sentiment indicates that while risks in the property market and banking sector are rising, regulatory measures and cash flow management strategies may help mitigate potential defaults and systemic risks [3][4][5][68].

Core Insights - The banking industry is experiencing a phase of stabilization in net interest margins (NIM), with the NIM at 1.42% as of Q3 2025, marking the end of a continuous decline [1][2] - There is a slight increase in non-performing loans (NPLs) and NPL ratios, indicating ongoing risks in certain sectors of the economy [4][5] - The balance between supporting the real economy and maintaining prudent operations is a central concern for the banking sector [1] Group 1: Net Interest Margin Stabilization - As of Q3 2025, the commercial banks' NIM is 1.42%, showing a stabilization compared to previous quarters, despite a year-on-year decline of 11 basis points [2] - Different types of banks show varied trends: joint-stock commercial banks saw a slight increase in NIM to 1.56%, while private banks experienced a decrease to 3.83% [2] - The stabilization is attributed to effective cost control on the liability side and regulatory measures to optimize pricing capabilities [2][3] Group 2: Non-Performing Loans - The NPL balance reached 3.5 trillion yuan, an increase of 883 billion yuan from the previous quarter, with the NPL ratio rising to 1.52% [4][5] - NPL ratios for different bank types are as follows: state-owned banks at 1.22%, city commercial banks at 1.84%, rural commercial banks at 2.82%, and private banks at 1.83% [4] - The increase in NPLs is primarily concentrated in retail loans and the real estate sector, reflecting ongoing economic challenges [5][6] Group 3: Loan Rates and Economic Impact - Loan rates are nearing a "glass bottom," with the average interest rate for new corporate loans at 3.1%, down approximately 40 basis points year-on-year [7][8] - The decline in loan rates is driven by a combination of falling deposit costs and rising credit risks in personal loans [8][9] - Recommendations for policy adjustments include asymmetric reductions in deposit rates and measures to alleviate debt pressures on households [9]

Core Insights - The banking sector in China reported a net profit of 1.9 trillion yuan for the first three quarters of 2025, with stable profitability levels indicated by an average capital return rate of 8.18% and an average asset return rate of 0.63% [1] - There was an increase in non-performing loans (NPLs) in the third quarter, with the NPL balance rising to 3.5 trillion yuan and the NPL ratio increasing to 1.52% [1] - The banking industry's risk compensation capacity has strengthened, with a loan loss provision balance of 7.3 trillion yuan and a provision coverage ratio of 207.15% [2] Banking Sector Performance - As of the end of Q3 2025, the total assets of China's banking sector reached 474.3 trillion yuan, reflecting a year-on-year growth of 7.9% [3] - Large commercial banks accounted for 43.9% of total banking assets, with a total of 208.1 trillion yuan, growing by 10% year-on-year [3] - The asset growth rate for insurance companies accelerated, with total assets reaching 40.4 trillion yuan, a 12.5% increase from the beginning of the year [3] Financial Services and Support - The banking sector has increased its support for inclusive finance, with loans to small and micro enterprises reaching 36.5 trillion yuan, a year-on-year growth of 12.1% [4] - Insurance companies reported a premium income of 5.2 trillion yuan for the first three quarters of 2025, marking an 8.5% increase year-on-year [4] - The number of new insurance policies issued reached 846 billion, reflecting a growth of 7.9% [4]

Core Insights - The banking sector in China reported a slight decline in net profit for the first three quarters of 2025, with a total of 1.87 trillion yuan, representing a year-on-year decrease of 0.02%, although the decline has narrowed compared to the first half of the year [1][6] Profitability - State-owned banks, city commercial banks, and private banks saw an increase in net profit, with private banks leading at a growth rate of 7.09% [1][3] - The net profit for state-owned banks was 1.00 trillion yuan, while city commercial banks and private banks reported 252.3 billion yuan and 15.1 billion yuan, respectively [3] - In contrast, joint-stock banks, rural commercial banks, and foreign banks experienced declines in net profit, with decreases of 2.1%, 7.36%, and 19.34%, respectively [1][3] Net Interest Margin - The net interest margin (NIM) for commercial banks remained stable at 1.42% in Q3, with private banks having the highest NIM at 3.83% [1][8] - State-owned banks had the lowest NIM at 1.31%, while joint-stock banks saw a slight increase of 0.01 percentage points to 1.56% [8][9] - Year-on-year, all types of banks experienced a decline in NIM, with state-owned and rural commercial banks both down by 0.14 percentage points [9][10] Asset Quality - As of the end of Q3 2025, the non-performing loan (NPL) balance for commercial banks was 3.5 trillion yuan, with an NPL ratio of 1.52%, reflecting a slight increase of 0.03 percentage points from the previous quarter [13][14] - Foreign banks had the lowest NPL ratio at 1.06%, while rural commercial banks had the highest at 2.82% [14] - Only state-owned banks saw a decrease in NPL ratios compared to the end of the previous year, while other types of banks experienced varying degrees of increase [14] Provision Coverage - The loan loss provision balance for commercial banks was 7.3 trillion yuan, with a provision coverage ratio of 207.15%, both showing a decrease from the previous quarter [16]

Core Insights - The banking and insurance sectors in China have shown growth in total assets, with the banking sector's total assets reaching 474.3 trillion yuan, a year-on-year increase of 7.9% [1] - The insurance sector's total assets reached 40.4 trillion yuan, increasing by 12.5% compared to the beginning of the year [1] Banking Sector Performance - By the end of Q3, the total assets of large commercial banks amounted to 208.1 trillion yuan, growing by 10% year-on-year, accounting for 43.9% of the total banking assets [1] - The non-performing loan balance for commercial banks was 3.5 trillion yuan, with a non-performing loan ratio of 1.52%, reflecting a slight increase of 0.03 percentage points from the previous quarter [2] - Commercial banks achieved a net profit of 1.9 trillion yuan in the first three quarters of 2025, with an average capital return rate of 8.18% [2] Loan and Credit Quality - The balance of inclusive loans for small and micro enterprises reached 36.5 trillion yuan, with a year-on-year growth of 12.1% [1] - The normal loan balance for commercial banks was 228.8 trillion yuan, with 223.7 trillion yuan classified as normal loans and 5.1 trillion yuan as attention loans [2] Liquidity and Capital Adequacy - The liquidity coverage ratio for commercial banks was 149.73%, indicating a stable liquidity position [3] - The capital adequacy ratio for commercial banks stood at 15.36%, with a core tier 1 capital adequacy ratio of 10.87% [2][3] Insurance Sector Performance - The insurance companies' original premium income reached 5.2 trillion yuan, a year-on-year increase of 8.5% [1] - The comprehensive solvency adequacy ratio for the insurance industry was 186.3%, indicating strong solvency [3]