China’s 51 Listed Banks Had NPL Ratio of 1.6% at End of 2019

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A new report from the China Banking Association (CBA) sheds light on the health of China’s listed lending institutions as of the start of the year.

The “China Listed Bank Analytical Report 2020” (中国上市银行分析报告2020) released by CBA on 12 August indicates that China was home to a total of 51 listed bank as of the end of 2019.

Of these 51 banks 4 are global systemically important banks, and 13 are amongst the world’s top 500 financial institutions.

As of the end of 2019 their total assets were 196.47 trillion yuan, for an increase of 8.91% compared to the start of the year, accounting for 82.04% of total commercial banking sector assets in China.

At the end of 2019 listed Chinese banks had extended a total of 107.4 trillion yuan in loans, for an increase of 12.02% compared to the start of the year.

Credit loan assets accounted for 48.51% of total assets, for an increase of 3.11 percentage points that year, while interbank assets accounted for 4.84%, for a decline of 0.8 percentage points.

Deposits of Chinese listed banks were 134.39 trillion yuan at the end of 2019, for an increase of 8.81% that year.

In term of their liabilities structure, deposits accounted for 70.02% of total liabilities, for an increase of 2.05 percentage points that year, while interbank liabilities accounted for 11.74%, for a decline of 0.41 percentage points, and bonds payable accounted for 13.48%, for a decline of 1.19 percentage points.

As of the end of 2019 China’s 51 lived banks had a non-performing loan balance of 1.56 trillion yuan, while the average non-performing loan ratio was 1.6%, on par with the reading for the start of the year.

The average provisions coverage ratio was 246.01%, for an increase of 11.43 percentage points compared to the start of the year.

The core tier-1 capital adequacy ratio was 10.17%, for a rise of 0.19 percentage points that year.

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