中文


2019-02-25     

CBIRC Releases Supervisory Statistics of the Banking Sector -- 2018 Q4

 

In February 2019, the CBIRC released supervisory statistics of the banking sector in the fourth quarter of 2018.

 

Banking assets and liabilities increased steadily. As of the end of 2018 Q4, total RMB and foreign currency assets of China’s banking institutions at home and abroad reached RMB 268 trillion, up by 6.3% year on year. Among those, assets of large commercial banks registered RMB 98 trillion, accounting for 36.7% of the total, and up by 6.0% year on year. Assets of joint-stock commercial banks reached RMB 47 trillion, accounting for 17.5% of the total, up by 4.6% year on year.

 

As of the end of 2018 Q4, total, RMB and foreign currency liabilities of banking institutions at home and abroad reached RMB 247 trillion, an increase of 5.9% year on year. Among those, liabilities of large commercial banks registered RMB 90 trillion, taking up 36.7% of the total, up by 5.6% year on year. Liabilities of joint-stock commercial banks were RMB 44 trillion, accounting for 17.7% of the total, and up by 4.0% year on year.

 

The banking sector continued to strengthen financial services. As of the end of 2018 Q4, the agriculture-related loan (excluding bill financing) balance of banking institutions reached RMB 33 trillion, up by 5.6% year on year. The balance of outstanding loans to MSEs (including MSE loans, individual business owner loans and MSE owner loans) reached RMB 33.5 trillion, in which the outstanding balance of MSE loans for inclusive financing purpose with single credit amount not exceeding RMB 10 million reached RMB 9.4 trillion, up by 21.8% year on year. Loans to credit card consumption and government-subsidized housing projects increased by 25.2% and 32.7% respectively, which are 13.1 and 20.6 percentage points higher respectively than the average loan growth.

 

Credit quality remained stable. As of the end of 2018 Q4, outstanding balance of NPLs of commercial banks was RMB 2.03 trillion, down by RMB 6.8 billion compared with the end of the previous quarter. NPL ratio of commercial banks was 1.83%, down by 0.04 percentage point compared with the end of the previous quarter.

 

As of the end of 2018 Q4, the balance of outstanding performing loans of commercial banks was RMB 108.5 trillion, among which, the balance of normal loans was RMB 105 trillion and the balance of special-mentioned loans was RMB 3.5 trillion.

 

Profit growth was generally steady. As of the end of2018 Q4, the accumulated net profits of commercial banks of the year were RMB 1830.2 billion, up by 4.72% year on year, with the growth rate down by 1.26 percentage points year on year. The average ROA of commercial banks of the fourth quarter of 2018 was 0.90%, down by 0.10 percentage point compared with the end of the previous quarter. The average ROE was 11.73%, down by 1.42 percentage pointscompared with the end of the previous quarter.

 

Risk resilience was strong. As of the end of 2018 Q4, the balance of loan loss provisions of commercial banks reached RMB 3.77 trillion, increased by RMB 100.6 billion compared with the end of the previous quarter; the provision coverage ratio was 186.31%, up by 5.58 percentage points compared with the end of the previous quarter; and loan provision ratio was 3.41%, up by 0.03 percentage point compared with the end of the previous quarter.

 

As of the end of2018 Q4, the core tier 1 capital adequacy ratio (CAR) of commercial banks (excluding branches of foreign banks) was 11.03%, up by 0.24 percentage point compared with the end of the previous quarter; the tier 1 CAR was 11.58%, up by 0.25 percentage point compared with the end of the previous quarter; the CAR was 14.20%, up by 0.38 percentage point compared with the end of the previous quarter.

 

Liquidity remained sound. As of the end of 2018 Q4, the liquidity ratio of commercial banks was 55.31%, up by 2.37 percentage points compared with the end of the previous quarter; RMB excess reserve ratio was 2.64%, up by 0.75 percentage point compared with the end of the previous quarter; the loan-to-deposit ratio (RMB-denominated, domestic) was 74.34%, up by 0.79 percentage point compared with the end of the previous quarter.

 



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