Npl Ratio: Banks and Loans Npls

npl ratio: Nonperforming loans NPLs in China's small and medium-sized banks, nonetheless, are hardly an issue, especially when compared with their global peers, according to Global Times China. In fairness, efforts to encourage banks to loan to the private sector, especially small and micro-sized businesses, as part of the drive to prop up the economy would inevitably affect banks' asset quality, as the sectors in which these businesses operate largely have higher NPL ratios than that of other sectors. Baoshang Bank has been taken over by regulators since May 24 owing to serious credit risks the city commercial lender poses. For instance, the NPL ratio of the country's commercial banks stood at 1.8 percent at the end of the first quarter, according to data from the banking and insurance regulator. According to Moody's estimates, loans to small and micro-sized businesses account for roughly 23 percent of China's total loans. The NPL ratios of bank loans to the manufacturing sector and the wholesale and retail sector, which have gathered a multitude of small and micro-sized businesses, both neared 5 percent. (news.financializer.com). As reported in the news.