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recently, 15 a-share listed national banks (including 6 state-owned banks and 9 joint-stock banks) released their semi-annual reports revealing data related to their credit card business in the first half of the year.

a reporter from nandu wancaishe analyzed the credit card-related data in the semi-annual reports of 15 banks and found that in the first half of this year, the credit card loan balances of the six major state-owned banks increased compared with the end of last year. among the nine listed joint-stock banks, the credit card loan balances of eight banks declined compared with the end of last year.

among the 15 banks, ccb's credit card loan balance exceeded one trillion yuan, ranking first. china merchants bank and agricultural bank of china ranked second and third respectively in terms of credit card loan balance. there is a certain gap in the scale of credit card transactions between state-owned banks and joint-stock banks.

in terms of asset quality, 12 of the 15 banks disclosed their credit card npl ratios, of which only three banks, accounting for three quarters, had a decline in their credit card npl ratios. among the banks with rising credit card npl ratios, five were state-owned banks and four were joint-stock banks.

china construction bank's credit card loan balance exceeds one trillion yuan

credit card loan balances of 8 joint-stock banks declined

china construction bank's credit card loan balance exceeds one trillion yuan