According to CBRC statistics, as of the end of December 2009, the NPL stock in commercial banks (including state-owned commercial banks, joint-stock commercial banks, city commercial banks, rural commercial banks and foreign banks) was RMB 497.33 billion, down by RMB 62.98 billion compared to that of the beginning of 2009. The NPL ratio fell by 0.84 percentage points to the current 1.58%. The provision coverage ratio reached 155.02%, 38.57% higher than that of the beginning of the year.

In terms of NPL structure, the balance of loss loan was RMB 62.79 billion, the balance of doubtful loan RMB 231.41 billion and that of the sub-standard loan RMB 203.13 billion.

Following are breakdown figures of NPL stocks and ratios in different kinds of commercial banks. For major commercial banks (state owned commercial banks and joint-stock commercial banks), they had a total of RMB 426.45 billion bad loans, less RMB 60.08 billion than that of the beginning of the year. The ratio was 1.59%, 0.86 percentage point lower than that of the beginning of the year.

For state owned commercial banks, the NPL stock and ratio were RMB 362.73 billion and 1.80%, down by RMB 58.10 billion and 1.00 percentage point respectively compared to that of the beginning of the year.

For joint-stock commercial banks, the NPL stock and ratio were RMB 63.72 billion and 0.95%, down by RMB 1.99 billion and down by 0.4 percentage point respectively compared to that of the beginning of the year..

For city commercial banks, the NPL stock and ratio were RMB 37.69 billion and 1.30%, down by 10.88 billion and 1.03 percentage point respectively compared to that of the beginning of the year. For rural commercial banks, the NPL stock and ratio were RMB 27.01 billion and 2.76%, up by 7.87 billion and down by 1.19 percentage point compared to that of the beginning of the year. For foreign banks, the NPL stock and ratio were RMB 6.18 billion and 0.85%, higher by 0.09 billion and 0.02 percentage point respectively than to that of the beginning of the year.