The data of the main regulatory indicators of the bank industry insurance industry’s latest banking insurance industry released by the State Administration of Finance and Administration showed that in the first quarter of this year, my country’s commercial banks achieved a total of 672.3 billion yuan in net profit, an increase of 0.7%year -on -year; At the end of the increase of 0.63 percentage points; the average asset profit margin was 0.74%, an increase of 0.04 percentage points from the end of the previous quarter.
At the end of the first quarter, the balance of loan losses in commercial banks in my country was 6.9 trillion yuan, an increase of 269.8 billion yuan from the end of the previous quarter; , Decreased by 0.01 percentage points from the end of the last quarter.In addition, at the end of the first quarter, the capital adequacy ratio of commercial banks (excluding foreign banks) was 15.43%; the first -level capital adequacy ratio was 12.35%; the core first -level capital adequacy ratio was 10.77%.
The level of liquidity of commercial banks is reasonable and stable.At the end of the first quarter, the liquidity coverage rate of commercial banks was 150.84%, a decrease of 0.76 percentage points from the end of the previous quarter; the proportion of net stability funds was 125.33%; the liquidity ratio was 68.66%, an increase of 0.78 percentage points from the end of the previous quarter;The payment rate was 1.7%, a decrease of 0.54 percentage points from the end of the previous quarter; the proportion of deposits and loans (the diameter in RMB) was 78.8%, an increase of 0.11 percentage points from the end of the previous quarter.
It is worth mentioning that in the first quarter, the quality of credit assets of commercial banks in my country was basically stable.Commercial banks (legal person caliber, the same below) non -performing loan balance was 3.4 trillion yuan, an increase of 141.4 billion yuan from the end of the previous quarter; the non -performing loan ratio of commercial banks was 1.59%, which was basically flat from the previous quarter.At the end of the first quarter of 2024, the balance of the normal loan of commercial banks was 20.82 trillion yuan, of which the balance of normal loans was 20.36 trillion yuan, and the balance of loans was 4.6 trillion yuan.