The CBRC Released Supervisory Statistics of Q4 2016

 

Recently, the CBRC released supervisory statistics of Q4, 2016.

 

Banking assets and liabilities increased steadily. By the end of the fourth quarter of 2016, RMB and foreign currency assets of Chinese banking institutions at home and abroad reached 232.3 trillion yuan, up by 15.8% year on year. Assets of large commercial banks registered 86.6 trillion yuan, accounting for 37.3% of total amount, and up by 10.8% year on year. Assets of joint-equity commercial banks reached 43.5 trillion yuan, accounting for 18.7% of the total, up by 17.5% year on year.

 

RMB and foreign currency liabilities of banking institutions at home and abroad reached 214.8 trillion yuan, an increase of 16% year on year. Liabilities of large commercial banks registered 79.9 trillion yuan, taking up 37.2% of the total amount, and up by 11% year on year. Liabilities of joint-stock commercial banks were 40.8 trillion yuan, accounting for 19% of the total, up by 17.7% 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 fourth quarter, agro-related loans (excluding bill financing) balance of banking institutions reached 28.2 trillion yuan, up by 7.1% year on year. The outstanding balance of loans to MSEs (including MSE loans, individual business loans and MSE owner loans) reached 26.7 trillion yuan, up by 13.8% year on year. Loans to credit card consumption and government-subsidized housing projects increased by 23.4% and 58.7% respectively, which are higher than other loans by 10.6 and 45.9 percentage points respectively.

 

The quality of credit assets generally remained stable. By the end of the fourth quarter, 2015, outstanding balance of NPLs of commercial banks was 1.5123 trillion yuan, up by 18.3 billion yuan compared with the end of the previous quarter. NPL ratio of commercial banks was 1.74%, increased by 0.02 percentage point compared with the end of the previous quarter.

 

By the end of the fourth quarter 2016, outstanding balance of performing loans was 85.2 trillion yuan, among which, standard loans balance was 81.8 trillion yuan and the balance of special mention loans was 3.4 trillion yuan.

 

The growth rate of profit rose. By the end of the fourth quarter, 2016, the accumulated net profit of commercial banks of the year was 1.6490 trillion yuan, up by 3.54% year on year, with the growth rate up by 1.11 percentage points year on year. The average ROA of commercial banks of the fourth quarter of 2016 was 0.98%, down by 0.12 percentage point year on year. The average ROE was 13.38%, down by 1.6percentage point.

 

Risk resilience was strong. The banks maintained adequate loan loss provisions for credit risks. By the end of the fourth quarter, 2016, balance of loan loss provisions of commercial banks reached 2.6676 trillion yuan, increased by 45.5 billion yuan compared with the end of the previous quarter; the provision coverage ratio was 176.4%, up by 0.88 percentage point compared with the end of the previous quarter; and loan provision ratio was 3.08%, down by 0.01 percentage point with the end of the previous quarter.

 

By the end of the fourth quarter, 2016, the weighted average core tier 1 CAR of commercial banks (excluding branches of foreign banks) was 10.75%, down by 0.08 percentage point compared with the end of the previous quarter; weighted average tier 1 CAR was 11.25%, down by 0.05 percentage point compared with the end of the previous quarter; weighted average CAR was 13.28%, down by 0.03 percentage point compared with the end of the previous quarter.

 

Liquidity remained sound. By the end of the fourth quarter, 2016, the liquidity ratio of commercial banks was 47.55%, up by 0.62 percentage point compared with the end of the previous quarter; RMB excess reserve ratio was 2.33%, up by 0.58 percentage point compared with the end of the previous quarter; the loan-to-deposit ratio (RMB) was 67.61%, up by 0.34 percentage point compared with the end of the previous quarter.

 

[1] According to regulations, commercial banks should divide loans into standard loans, special mention loans, substandard loans, doubtful loans and loss loans based on the degree of risks. The former two belong to the category of performing loans, while the latter three are NPLs. In terms of special mention loans, the borrower is currently able to pay back the principal and interest, while there exist some factors that might potentially affect the repayment.

 

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