CBRC: The non -performing loan ratio of commercial banks at the end of the second quarter decreased by 0.02 percentage points from the end of the previous quarter

[Dahecai Cube News] On August 19, the China Banking Regulatory Commission announced the data of the main regulatory indicators of the bank industry insurance industry in the second quarter of 2022.

1. The total assets of the banking and insurance industry have grown steadily

At the end of the second quarter of 2022, the total domestic and foreign currency assets of my country's banking financial institutions were 3.6777 trillion yuan, an increase of 9.4%year -on -year. Among them, the total domestic and foreign currency assets of large commercial banks were 15.14 trillion yuan, accounting for 41.2%, an increase of 11.2%year -on -year; the total domestic and foreign currency assets of joint -stock commercial banks were 65 trillion yuan, accounting for 17.7%, an increase of 7.8%year -on -year.

At the end of the second quarter of 2022, the total assets of the insurance company were 2.66 trillion yuan, an increase of 1.8 trillion yuan from the beginning of the year, and an increase of 7.0%from the beginning of the year. Among them, the total assets of property insurance companies were 2.7 trillion yuan, an increase of 9.3%over the beginning of the year; the total assets of personal insurance companies were 22.9 trillion yuan, an increase of 6.9%over the beginning of the year; The total assets of the management company were 100.8 billion yuan, a decrease of 2.1%from the beginning of the year.

2. The banking and insurance industry continues to strengthen financial services

At the end of the second quarter of 2022, banking financial institutions used loans (including small and micro -enterprise loans, individual industrial and commercial household loans, and small and micro -enterprise loans) for small and micro enterprises (including small and micro -enterprise loans, individual industrial and commercial loans, and small and micro -enterprise loans), of which a total of 10 million yuan in credit awarded by single household The following inclusive small and micro enterprise loan balance was 21.8 trillion yuan, a year -on -year growth rate of 22.6%. The balance of affordable living project loans is 6.3 trillion yuan.

In the first half of 2022, the insurance company's original insurance premium income was 2.8 trillion yuan, a year -on -year increase of 5.1%. Compensation and payment expenditure were 776.8 billion yuan, an increase of 3.1%year -on -year. At the end of the second quarter of 2022, the number of new insurance units was 24.2 billion yuan, a year -on -year increase of 9.5%.

3. The quality of credit assets of commercial banks is basically stable

At the end of the second quarter of 2022, the balance of non -performing loans of commercial banks (legal person, the same below) was 3 trillion yuan, an increase of 41.6 billion yuan from the end of the previous quarter; the non -performing loan ratio of commercial banks was 1.67%, a decrease of 0.02 percentage points from the end of the previous quarter.

At the end of the second quarter of 2022, the balance of the normal loan of commercial banks was 17.42 trillion yuan, of which the balance of normal loans was 17.02 trillion yuan, and the balance of the loan was 4 trillion yuan.

4. Commercial banks have remained stable profits, and risk -resistant ability is strong

In the first half of 2022, commercial banks achieved a total of 1.2 trillion yuan in net profit, an increase of 7.1%year -on -year. The average capital profit margin was 10.1%, a decrease of 0.81 percentage points from the end of the previous quarter. The average asset profit margin was 0.82%, a decrease of 0.08 percentage points from the end of the previous quarter.

At the end of the second quarter of 2022, the balance of loan loss for commercial banks was 6 trillion yuan, an increase of 174.4 billion yuan from the end of the previous quarter; the coverage rate of the provision was 203.78%, an increase of 3.08 percentage points from the end of the previous quarter; %, Increased by 0.01 percentage points from the end of the previous quarter.

At the end of the second quarter of 2022, the capital adequacy ratio of commercial banks (excluding foreign banks) was 14.87%, a decrease of 0.14 percentage points from the end of the previous quarter. The first -level capital adequacy ratio was 12.08%, a decrease of 0.17 percentage points from the end of the previous quarter. The core first -level capital adequacy ratio was 10.52%, a decrease of 0.18 percentage points from the end of the previous quarter.

Fifth, the level of liquidity of commercial banks remain stable

At the end of the second quarter of 2022, the liquidity coverage rate of commercial banks was 146.3%, an increase of 3.07 percentage points from the end of the previous quarter; the liquidity ratio was 62.27%, an increase of 1.05 percentage points from the end of the previous quarter; Compared with the end of the previous quarter, 0.22 percentage points were decreased; the proportion of deposit and loan (the diameter in RMB) was 78.44%, a decrease of 0.26 percentage points from the end of the previous quarter.

6. The ability to pay for the insurance industry

At the end of the first quarter of 2022, the average comprehensive settlement of insurance companies included in the statistical scope was 224.2%, and the average core solvency adequacy ratio was 150%; the comprehensive rating of 50 insurance companies was rated as Class A, 107 insurance companies Class B, 15 insurance companies were rated as C, and 8 insurance companies were rated as Class D.

Responsible editor: Tao Jiyan | Review: Li Zhen | Director: Wan Junwei

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