The CBRC Released Supervisory Statistics of Q1 2017

 

Recently, the CBRC released supervisory statistics of Q1, 2017.

 

Banking assets and liabilities increased steadily. By the end of the first quarter of 2017, RMB and foreign currency assets of Chinese banking institutions at home and abroad reached 238.5 trillion yuan, up by 14.3% year on year. Assets of large commercial banks registered 89.6 trillion yuan, accounting for 37.6% of total amount, and up by 11.3% year on year. Assets of joint-equity commercial banks reached 43.9 trillion yuan, accounting for 18.4% of the total, up by 13.8% year on year.

 

RMB and foreign currency liabilities of banking institutions at home and abroad reached 220.4 trillion yuan, an increase of 14.5% year on year. Liabilities of large commercial banks registered 82.7 trillion yuan, taking up 37.5% of the total amount, and up by 11.6% year on year. Liabilities of joint-stock commercial banks were 41.1 trillion yuan, accounting for 18.6% of the total, up by 13.9% year on year.

 

The banking sector continued to strengthen financial service. The banking sector continued to strengthen financial support for key social and economic areas and civil livelihood projects, such as agro-related areas, micro and small enterprises (MSEs), government-subsidized housing projects, etc. By the end of the first quarter, agro-related loans (excluding bill financing) balance of banking institutions reached 29.2 trillion yuan, up by 8.9% year on year. The outstanding balance of loans to MSEs (including MSE loans, individual business loans and MSE owner loans) reached 27.8 trillion yuan, up by 14.4% year on year. Loans to credit card consumption and government-subsidized housing projects increased by 27.9% and 52.2% respectively, which are higher than other loans by 15.6 and 39.9 percentage points respectively.

 

The quality of credit assets generally remained stable. By the end of the first quarter, 2017, outstanding balance of NPLs of commercial banks was 1.58 trillion yuan, up by 67.3 billion yuan compared with the end of the previous quarter. NPL ratio of commercial banks was 1.74%, reduced by 0.01 percentage point compared with the end of the previous quarter.

 

By the end of the first quarter 2017, outstanding balance of performing loans was 89.3 trillion yuan, among which, standard loans balance was 85.8 trillion yuan and the balance of special mention loans was 3.42 trillion yuan.

 

The growth rate of profit rose. By the end of the first quarter, 2017, the accumulated net profit of commercial banks of the year was 493.3 billion yuan, up by 4.61% year on year, with the growth rate up by 1.07 percentage points year on year. The average ROA of commercial banks of the first quarter of 2017 was 1.07%, down by 0.12 percentage point year on year. The average ROE was 14.77%, down by 1.15 percentage point.

 

Risk resilience was strong. By the end of the first quarter, 2017, balance of loan loss provisions of commercial banks reached 2.8236 trillion yuan, increased by 156 billion yuan compared with the end of the previous quarter; the provision coverage ratio was 178.8%, up by 2.36 percentage point compared with the end of the previous quarter; and loan provision ratio was 3.11%, down by 0.03 percentage point with the end of the previous quarter.

 

By the end of the first quarter, 2017, the weighted average core tier 1 CAR of commercial banks (excluding branches of foreign banks) was 10.79%, up by 0.04 percentage point compared with the end of the previous quarter; weighted average tier 1 CAR was 11.28%, up by 0.03 percentage point compared with the end of the previous quarter; weighted average CAR was 13.26%, down by 0.01 percentage point compared with the end of the previous quarter.

 

 

Liquidity remained sound. By the end of the first quarter, 2017, the liquidity ratio of commercial banks was 48.74%, up by 1.19 percentage point compared with the end of the previous quarter; RMB excess reserve ratio was 1.65%, down by 0.68 percentage point compared with the end of the previous quarter; the loan-to-deposit ratio (RMB) was 67.74%, up by 0.13 percentage point compared with the end of the previous quarter.

 

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