At the end of the first quarter, the NPL ratio of commercial banks was 1.74%

At the end of the first quarter of 2017, commercial banks (excluding foreign bank branches) weighted average core capital adequacy ratio was 10.79%, up 0.04 percentage points from the previous quarter; weighted average capital adequacy ratio was 11.28%, up 0.03 percentage points from the previous quarter; weighted average capital adequacy ratio was 13.26%, down 0.01% compared with the previous quarter.
The total amount of domestic and foreign liabilities in banking financial institutions was 220 trillion and 400 billion yuan, an increase of 14.5%. Among them, the total liabilities of large commercial banks 82 trillion and 700 billion yuan, accounting for 37.5%, total liabilities grew by 11.6%; joint-stock commercial banks total liabilities of 41 trillion and 100 billion yuan, accounting for 18.6%, total liabilities grew by 13.9%.
CBRC data show that a quarter of this year, commercial banks non-performing loans 1 trillion and 580 billion yuan, an increase of 67 billion 300 million yuan compared with the previous quarter, non-performing loan ratio was 1.74%; the provision coverage ratio was 178.8%, up 2.36 percentage points from the previous quarter; net profit of 493 billion 300 million yuan, an increase of 4.61%.
At the end of the first quarter of 2017, the normal balance of loans of commercial banks was 89 trillion and 300 billion yuan, of which the balance of regular loans was 85 trillion and 800 billion yuan, and the balance of loans related to such loans was 3 trillion and 420 billion yuan.
Continue to strengthen the ability of risk compensation. At the end of the first quarter of 2017, commercial bank loan loss reserve balance of 28236 billion yuan, compared with the previous quarter increase of 156 billion yuan; the provision coverage ratio was 178.8%, up 2.36 percentage points from the previous quarter; the allowance for loan rate of 3.11%, down 0.03 percentage points from the previous quarter.
Profit growth has picked up. As of the end of the first quarter of 2017, commercial banks realized a total profit of 493 billion 300 million yuan, an increase of 4.61%, up 1.07 percentage points from the end of last quarter. 2017 first quarter, commercial banks average asset profit margin of 1.07%, down 0.12 percentage points; an average capital profit margin of 14.77%, down 1.15 percentage points.
The banking sector continues to strengthen financial services. In the first quarter of 2017, the banking sector continued to strengthen financial services such as “three rural”, small and micro enterprises, affordable housing projects and other key economic and social fields and livelihood projects. At the end of the first quarter, the banking financial institutions related loans (excluding bill financing) balance of 29 trillion and 200 billion yuan, an increase of 8.9%; for Small and micro businesses loans (including small micro enterprise loans, individual industrial and commercial households loans and the main Small and micro businesses loans) balance of 27 trillion and 800 billion yuan, an increase of 14.4%. Credit card consumption, affordable housing projects in areas such as loans grew by 27.9% and 52.2%, respectively, higher than the average growth rate of 15.6 and 39.9 percentage points of loans.
The quality of credit assets is generally stable. At the end of the first quarter of 2017, the balance of non-performing loans of commercial banks (legal person caliber, the same below) was 1 trillion and 580 billion yuan, an increase of 67 billion 300 million yuan over the end of last quarter. The non-performing loan ratio of commercial banks was 1.74%, down 0.01 percentage points from the end of last quarter.
Banking assets and liabilities grew steadily. At the end of the first quarter of 2017, the total amount of domestic and foreign assets in China’s banking financial institutions was 238 trillion and 500 billion yuan, an increase of 14.3%. Among them, large commercial banks total assets of 89 trillion and 600 billion yuan, accounting for 37.6%, total assets grew by 11.3%; joint-stock commercial banks total assets of 43 trillion and 900 billion yuan, accounting for 18.4%, total assets grew by 13.8%.

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