In the first half of the year, the non-performing loan ratios of state-owned banks and joint-stock commercial banks have decreased or remained stable compared to the beginning of 2025.

According to the data from the website of the China Banking and Insurance Regulatory Commission, it was found that by the end of June 2025, in the 25 regions that have already published data on non-performing loans in the banking industry, 16 regions have seen an increase in their non-performing loan ratios compared to the beginning of 2025. However, most regions are still below the national average non-performing loan ratio of 1.49% for commercial banks, reflecting that overall risk is manageable and local pressures are still being released. Among them, regions such as Gansu, Shanghai, Heilongjiang, and Hebei have continuously reduced non-performing loans, achieving both a decrease in the non-performing loan ratio and the size of non-performing loans, or improving a single indicator.