2023-05-20 06:00:00
(Original title: The State Administration of Financial Supervision released the first data! The latest overview of bancassurance development has come, and the profit growth rate of commercial banks has declined)
The State Administration of Financial Supervision (hereinfollowing referred to as the State Administration of Financial Supervision) reported on May 19 that as of the end of the first quarter of this year, the total assets of domestic and foreign currencies of my country’s banking financial institutions were 397.3 trillion yuan, a year-on-year increase of 10.9%; the total assets of insurance companies were 284,000 yuan. billion yuan, an increase of 1.22 trillion yuan from the beginning of the year, an increase of 4.5% from the beginning of the year.
This is also the first time that the State Administration of Financial Supervision released data on banking and insurance regulatory indicators following the official unveiling on May 18.
Service entities continue to strengthen
According to data from the State Administration of Financial Supervision, at the end of the first quarter of 2023, the balance of loans of banking financial institutions for small and micro enterprises (including loans to small and micro enterprises, loans to individual industrial and commercial households, and loans to small and micro business owners) was 64.5 trillion yuan, of which single households The balance of inclusive small and micro enterprise loans with a total credit line of 10 million yuan and below was 25.9 trillion yuan, a year-on-year increase of 25.8%. The balance of loans to the manufacturing industry was 29.6 trillion yuan, a year-on-year increase of 20.8%.
In the first quarter of 2023, the original insurance premium income of insurance companies was 1.9 trillion yuan, a year-on-year increase of 9.2%; claims and benefit payments were 493.2 billion yuan, a year-on-year increase of 9.3%; the number of new insurance policies was 15.8 billion, a year-on-year increase of 34.6%.
Brokerage Chinese reporters found that in the first quarter of this year, inclusive small and micro enterprise loans with a total credit line of 10 million yuan or less increased by 2.33 trillion yuan compared with the end of the fourth quarter of last year, the largest increase since last year.
Commercial Bank Profit Growth Declines
The State Administration of Financial Supervision pointed out that in the first quarter of 2023, commercial banks achieved a cumulative net profit of 667.9 billion yuan, a year-on-year increase of 1.3%, and the growth rate decreased by 6.1 percentage points year-on-year. The average return on capital is 10.32%. The average return on assets was 0.81%.
However, judging from the regulatory situation in the first quarter, the quality of credit assets of commercial banks remains basically stable, and their risk compensation capabilities are generally adequate. in particular:
At the end of the first quarter of 2023, the balance of commercial bank loan loss reserves was 6.4 trillion yuan, an increase of 257.2 billion yuan from the end of the previous quarter; the provision coverage ratio was 205.24%, a decrease of 0.6 percentage points from the end of the previous quarter; the loan provision ratio was 3.32 %, a decrease of 0.04 percentage points from the end of the previous quarter.
At the end of the first quarter of 2023, the capital adequacy ratio of commercial banks (excluding foreign bank branches) was 14.86%. Tier 1 capital adequacy ratio was 11.99%. The core tier-one capital adequacy ratio is 10.50%.
From the perspective of asset quality, by the end of the first quarter of 2023, the balance of non-performing loans of commercial banks (legal population, the same below) was 3.1 trillion yuan, an increase of 134.1 billion yuan from the end of the previous quarter; down 0.01 percentage points.
At the end of the first quarter of 2023, the balance of normal loans of commercial banks was 189.4 trillion yuan, of which the balance of normal loans was 185.3 trillion yuan and the balance of special mention loans was 4.2 trillion yuan.
Class D insurance companies have increased
In terms of the solvency of the insurance industry, the State Administration of Financial Supervision pointed out that by the end of the fourth quarter of 2022, the average comprehensive solvency adequacy ratio of the 181 insurance companies included in the meeting was 196%, and the average core solvency adequacy ratio was 128.4%. 49 insurance companies were rated as Class A in comprehensive risk rating, 105 insurance companies were rated as Class B, 16 insurance companies were rated as Class C, and 11 insurance companies were rated as Class D.
Classes A, B, C, and D represent the comprehensive ratings of insurance companies with low risk, low risk, high risk, and serious risk, respectively.
Compared with the end of 2021, among the insurance companies included in the meeting, the number of C and D companies has increased, and the number of D companies with serious risks has increased the fastest, with an increase of 7; the number of C companies with higher risks is 2021. At the end of the year, the number doubled to 16.
However, from the perspective of the whole year of 2022, the overall risk comprehensive rating results remain stable, and the number of Class A companies with low risk at the end of the year has rebounded.
According to the 2022 insurance industry solvency supervision work released by the former China Banking and Insurance Regulatory Commission on May 4, the circular believes that the insurance industry solvency indicators remain within a reasonable range, and risks are generally controllable.
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