Core Insights - The total assets of 28 city commercial banks reached 38.99 trillion yuan in the first half of 2025, reflecting a year-on-year growth of 9.16% [1] - Jiangsu Bank and Beijing Bank lead in asset size, with 4.79 trillion yuan and 4.75 trillion yuan respectively, indicating strong market positions [2] - The overall loan growth for these banks was 8.66%, with notable increases from Ningbo Bank and Xi'an Bank, which saw growth rates of 13.36% and 22.94% respectively [4][5] Asset Scale - Jiangsu Bank and Beijing Bank are at the forefront with asset totals of 4.79 trillion yuan and 4.75 trillion yuan, respectively [2] - Other banks like Shanghai Bank and Ningbo Bank also show significant asset sizes above 2 trillion yuan, forming a strong first tier in the city commercial bank sector [2] - Year-on-year growth rates vary, with Jiangsu Bank at 21.16% and Chongqing Bank at 14.79%, while Jiujiang Bank showed minimal growth at 0.62% [2][3] Loan Performance - The total loan amount for the 28 banks increased to 19.41 trillion yuan, with a year-on-year growth of 8.66% [1][4] - Jiangsu Bank's loan total rose from 2.10 trillion yuan to 2.43 trillion yuan, marking a growth of 15.98% [3] - Xi'an Bank exhibited the highest loan growth rate at 22.94%, while Central Plains Bank's loan growth was negligible at 0.08% [4][5] Deposit Trends - Jiangsu Bank's deposits surged from 2.16 trillion yuan to 2.59 trillion yuan, reflecting a growth of 19.86% [5] - Other banks like Hangzhou Bank also reported deposit growth, increasing from 1.29 trillion yuan to 1.36 trillion yuan, a rise of 5.17% [5] - Jiujiang Bank experienced a slight decline in deposit growth, with a minimal increase of 0.45% [5] Real Estate Loan Distribution - The real estate loan proportion has generally decreased among city commercial banks, with Guiyang Bank leading at 15.36% [6][7] - Jiangsu Bank, on the other hand, has a low real estate loan ratio of 2.8%, indicating a conservative approach to real estate lending [6][7] - Ningbo Bank holds the highest total real estate loan amount at 1548.93 billion yuan, followed by Beijing Bank and Shanghai Bank [6][7] Personal Housing Loan Insights - Personal housing loans dominate the real estate loan portfolio, with banks like Weihai Bank and Central Plains Bank having high proportions of 36.26% and 17.8% respectively [8] - Most city commercial banks maintain low non-performing loan rates for personal housing loans, with the majority below 2% [8] - Yibin Commercial Bank reported a higher non-performing rate of 4.47% for personal housing loans [8]