Non-performing loan ratio of China Merchants Bank 2013-2023
In 2023, the non-performing loan ratio at China Merchants Bank was 0.95 percent, among the lowest ratio since 2014. The ratio peaked in 2016 at 1.87 percent and had been on a downward trend since. China's banking industry was suspected to be vulnerable to the dangers of non-performing loans. The China Banking and Insurance Regulatory Commission stated in 2019 that the nationwide ratio of non-performing loans was 1.8 percent. However, in 2016, Fitch Ratings estimated that up to 20 percent of all loans in China could fall in this category.