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[personal loan non-performing rates have an overall upward trend. as of the end of june, the personal loan non-performing rates of the five major banks with comparable data have all climbed to varying degrees compared with the end of last year. among them, the non-performing rates of personal housing, consumer loans, business loans and credit card businesses of icbc, ccb, abc and bank of communications have all risen, while the non-performing rates of personal housing and other consumer loans of postal savings bank have improved to varying degrees. many institutions have pointed out that the non-performing risks of retail business in the future deserve attention.]

[in the first half of the year, the six major banks' corporate demand deposits decreased by 715.7 billion yuan compared with the beginning of the year. except for postal savings bank, the other five major banks all declined to varying degrees, among which bank of china decreased by about 387 billion yuan, the largest among the major banks.]

in the first half of 2024, the profitability pressure of the banking industry has become more prominent, and the balance sheet has also undergone relatively obvious changes. as the "vanguard" and "main force" serving the real economy, the five state-owned banks have rarely seen a decline in both revenue and net profit. their balance sheets reveal multiple signals, including a slowdown in the expansion of credit scale, a rare overall decline in corporate demand deposits, and a rise in the non-performing rate of personal loans.

based on industry opinions, the above phenomenon is mainly due to the de-watering of the financial sector, the suspension of manual interest payments, and changes in residents' income and expectations.

loan growth rate declines, housing loans continue to shrink

in the first half of this year, among the six major state-owned banks, five banks, including icbc, boc, ccb, boc and postal savings bank of china, saw a decline in both revenue and net profit attributable to their parent companies. among them, three had a decline in net interest income. abc was the only state-owned bank whose revenue and net profit increased year-on-year.

in fact, as the net interest margin continues to narrow, the commercial banks' net interest income has been "making up for price with volume" for a long time. in the first half of this year, the slowdown in the growth of interest-bearing assets has further exposed the pressure on net interest income.