20 19 in the face of the increasingly complex domestic and international economic and financial environment, China's financial industry is generally stable, the scale of assets and liabilities of financial institutions is growing steadily, the profitability is basically stable, the risk compensation ability is continuously enhanced, the financial market is generally stable, and the risk of stock pledge financing is reduced.

The scale of assets and liabilities has grown steadily.

By the end of 20 19, the total assets of banking financial institutions were 282.5 1 trillion yuan, up 8.0 1% year-on-year, and the growth rate was 1.7 percentage points higher than that of 20 18. Total liabilities amounted to 258.24 trillion yuan, up 7.65% year-on-year, and the growth rate was 65,438+0.37 percentage points higher than that of 2065,438+08.

In 20 19, the growth rate of bank deposits and loans remained stable. By the end of 20 19, the balance of local and foreign currency deposits of financial institutions was 192.88 trillion yuan, up 8.65% year-on-year, and the growth rate was 0.47 percentage points higher than that of the previous year. The balance of local and foreign currency loans of financial institutions was153.1/trillion yuan, a year-on-year increase of 12.34%, and the growth rate was 1. 12 percentage points lower than that of the previous year.

Profits continue to grow.

In 20 19, the net profit of banking financial institutions was 1.99 trillion yuan, up 8.9 1% year-on-year, and the growth rate was 4.2 percentage points higher than that in 20 18. The net interest margin of banking financial institutions is 2.2%, which is 0.05 percentage points higher than 20 18; Non-interest income accounted for 265,438+0.93%, down 0.65,438+08 percentage points year-on-year. By the end of 20 19, the asset profit rate of banking financial institutions was 0.86%, down by 0.02 percentage point year-on-year, the capital profit rate was 10.39%, down by 0.70 percentage point year-on-year, and the overall profitability was lower than 20 18.

The level of capital adequacy is stable and rising.

By the end of 20 19, the tier-one capital adequacy ratio of commercial banks was 1 1.95%, up by 0.36 percentage points year-on-year; The capital adequacy ratio was 65,438+04.64%, up 0.45 percentage points year-on-year, and the capital was sufficient.

By the end of 20 19, the liquidity ratio of commercial banks was 58.46%, up 3. 15 percentage points year-on-year; The liquidity gap rate was 4.07%, up 3.46 percentage points year on year; Liquidity coverage ratio of commercial banks with assets exceeding 200 billion yuan was 146.63%, up 8.62 percentage points year-on-year; Net stable funds accounted for 122.33%, up 0.88 percentage points year-on-year. The overall liquidity is reasonable and abundant.

By the end of 20 19, the balance of non-performing loans of banking financial institutions was 3 19 trillion yuan, an increase of 349.8 billion yuan, and the non-performing loan ratio was 1.98%, an increase of 0.0 1 percentage point. Among them, the balance of non-performing loans of commercial banks was 24 1 billion yuan, an increase of 388 1 billion yuan year-on-year; The NPL ratio was 65,438+0.86%, up 0.03 percentage points year-on-year. The balance of interest-related loans of banking financial institutions was 5.59 trillion yuan, an increase of 320.7 billion yuan year-on-year, an increase of 6.09%, and the downward pressure on asset quality increased. In addition, the balance of loans overdue for more than 90 days was 2.59 trillion yuan, a year-on-year increase of 654.38+0084 billion yuan, an increase of 4.37%; Loans overdue for more than 90 days accounted for 8 1. 18% of non-performing loans, down 6. 18 percentage points year-on-year, and banking financial institutions were more cautious in identifying non-performing loans.

—— The above data and analysis are all from the Analysis Report on Credit Risk Management and Industry Credit Strategy of China Commercial Bank by Forward-looking Industry Research Institute.