The CBRC Released Supervisory Statistics of Q3 2017

 

The CBRC has recently released its supervisory statistics of the third quarter of 2017.

 

Banking assets and liabilities registered stable growth. By the end of the third quarter of 2017, RMB and foreign currency assets of Chinese banking institutions at home and abroad totaled at 247 trillion yuan, up by 10.9% y-o-y. Assets of large commercial banks registered at 92 trillion yuan, accounting for 37.3% of the total, and increased by 9.2% y-o-y. Assets of joint-stock commercial banks reached 44 trillion yuan, accounting for 17.8% of the total, up by 7.0% y-o-y.

 

RMB and foreign currency liabilities of Chinese banking institutions at home and abroad reached 228 trillion yuan, increased by 10.9 percent y-o-y. Liabilities of large commercial banks reached 85 trillion yuan, accounting for 37.2% of the total, and registered an increase of 9.3% y-o-y. Liabilities of joint-stock commercial banks stood at 41 trillion yuan, accounting for 18.0% of the total, and up by 6.5% y-o-y.

 

The banking sector continued to strengthen its financial services. By the end of the third quarter of 2017, agro-related loans (excluding bill financing) balance of banking institutions reached 31 trillion yuan, up by 10.5% y-o-y. The outstanding balance of loans to micro and small enterprises (including SMEs loans, individual business loans and SMEs’ owner loans) reached 30 trillion yuan, up by 15.7% y-o-y. Loans to credit card consumption and government-subsidized housing projects increased by 37.1% and 43.8%  respectively, which are higher than the growth rates of other loans by 23.9 and 30.6 percentage points respectively.

 

The quality of credit assets generally remained stable. By the end of the third quarter of 2017, outstanding balance of NPLs of commercial banks was 1.67 trillion yuan, increased by 34.6 billion yuan compared to the end of the previous quarter. The NPL ratio of commercial banks stood at 1.74%, equivalent to the figure at the end of the previous quarter.

 

As of the end of the third quarter of 2017, outstanding balance of performing loans was 94.6 trillion yuan, among which, the balance of pass loans was 91.1 trillion yuan and the balance of special-mentioned loans was 3.4 trillion yuan.

 

The growth rate of profit remained stable. By the end of the third quarter of 2017, the accumulated net profit of commercial banks of the year reached 1.43 trillion yuan, up by 7.40% y-o-y, with the growth rate declined by 0.51 percentage point compared with the figure at the end of the previous quarter. The average ROA of commercial banks was 1.02%, down by 0.02 percentage point compared with the figure at the end of the previous quarter. The average ROE was 13.94%, down by 0.54 percentage point compared with the figure at the end of the previous quarter.

 

Risk resilience was further strengthened. By the end of the third quarter of 2017, the balance of loan loss provisions of commercial banks reached 3.01 trillion yuan, increased by 115 billion yuan compared with the end of previous quarter; the provision coverage ratio was 180.39%, rose by 3.22 percentage points compared with the end of previous quarter; and loan provision ratio was 3.13%, up by 0.04 percentage point compared with the end of the previous quarter.

 

As of the end of the third quarter of 2017, the weighted average core tier 1 CAR of commercial banks (excluding branches of foreign banks) stood at 10.72%, increased by 0.08 percentage point compared with the end of the previous quarter; weighted average tier 1 CAR was 11.19%, rose by 0.08 percentage point compared with the end of the previous quarter; weighted average CAR was 13.32%, up by 0.16 percentage point compared with the end of the previous quarter.

 

Liquidity remained robust. By the end of the third quarter of 2017, the liquidity ratio of commercial banks was 49.17%, down by 0.35 percentage point compared with the end of the previous quarter; RMB excess reserve ratio was 1.42%, equivalent to the figure at the end of the previous quarter; the loan-to-deposit ratio (RMB) was 70.01%, up by 0.89 percentage point compared to the end of the previous quarter.

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