Chairman's Statement About the CBRC Ⅰ.Our mandates， objectives & missions Ⅱ.Our philosophy， approach & criteria Ⅲ.Code of conduct Ⅳ.Management Ⅴ.Special Advisor Ⅵ.ChiefAdvisor Ⅶ.International Advisory Council （IAC） Ⅷ.Organizational structure Part One Economic & Banking Developments Ⅰ.Macroeconomic and financial environment Ⅱ.Latest development of China's banking sector Part Two Banking Reform and Development Ⅰ.Reform and transformation of the banking sector Ⅱ.Opening up Ⅲ.Financial innovation Part Three Promoting the Banking Industry to Better Serve the Real Economy Ⅰ.Financial inclusion Ⅱ.Financial services to key areas and industries Ⅲ.Green credit Ⅳ.Promoting balanced regional development Part Four Law—based Regulation Ⅰ.Building the regulatory framework Ⅱ.Internal organizational reform Part Five Supervisory Capability Building Ⅰ Market access Ⅱ.Off—site surveillance Ⅲ.On—site examinations Ⅳ.Supervisory accountability and penalties Ⅴ Supervisory exchanges and cooperation Ⅵ.Organizational development Part Six Regulatory Measures Ⅰ.Prudential regulation Ⅱ.Institutional supervision Part Seven Banking Consumer Protection and Education Ⅰ.Enhancing regulatory framework for banking consumer protection Ⅱ.Promoting banking institutions to fulfill their duties Ⅲ.Promoting financial literacy Part Eight Strengthening Transparency and Market Disapline Ⅰ.Enhancing information disclosure Ⅱ.Improving transparency of the banking sector Ⅲ.Strengthening market discipline Part Nine Social Responsibility Ⅰ.Improving the CSR—related mechanisms and strengthening supervision Ⅱ.Securing quality financial services during public holidays Ⅲ.Working with the Communist Youth League to serve the "Agriculture， Farmers， and Rural Areas" Ⅳ.Supporting disaster relief and post—disaster reconstruction Ⅴ Supporting charity and poverty—stricken areas Part Ten Oudook Ⅰ.Economic and financial outlook Ⅱ.Supervisory focuses Part Eleven Appendixes Appendix 1 Responsibility description of the CBRC departments and local offices Appendix 2 Financial management activities of the CBRC Appendix 3 Rules and regulatory documents issued in 2015 Appendix 4 Mous and Socs with overseas regulators Appendix 5 Significant regulatory and supervisory events in 2015 Appendix6 Terminology Part Twelve Statistics Appendix 1 Total assets ofbanking institutions （2003—2015） Appendix 2 Totalliabilities ofbanking institutions （2003—2015） Appendix 3 Total owner's equity ofbanking institutions （2003—2015） Appendix 4 Total deposits and loans ofbanking institutions （2003—2015） Appendix 5 Profit after tax ofbanking institutions （2007—2015） Appendix 6 Returns ofbanking institutions （2007—2015） Appendix 7 NPLs ofbanking institutions （2010—2015） Appendix 8 Liquidity ratio ofbanking institutions （2007—2015） Appendix 9 NPLs， asset impairment provisions and provisioning coverage ratio of commercial banks （2007—2015） Appendix 10 NPLs ofcommercialbanks （2015） Appendix 11 Distribution of NPLs ofcommercial banks by sectors （2015） Appendix 12 Distribution of NPLs of commercial banks by region （2015） Appendix 13 Capital adequacy ratio of commercial banks （2010—2015） Appendix 14 CBRC on—site examinations （2003—2014） Appendix 15 CBRC on—site examinations （2015） Appendix 16 Number oflegal entities and staffofbanking institutions （As of end—2015） Thematic columns Thematic column 1 Banking development strategies in the new normal Thematic column 2 Banking development during the 12th Five—year Plan period Thematic column 3 Entry ofprivate capitalinto the banking sector Thematic column 4 Supporting the reduction of companies' financing cost Thematic column 5 Improving financial services for development—oriented poverty reduction Thematic column 6 The CBRC further streamlined administration and delegated power Thematic column 7 The CBRC amended the Rules on Administrative Penalties Thematic column 8 No.12 Centrallnspection Team conducted on—site inspection on the CBRC Thematic column 9 Strengthening banking institutions'internal controls and effectively preventing operational risk of counter business Thematic column 10 The Routine Press Conference Mechanism for the Banking Sector Thematic column 11 Banking outlook in the 13th Five—Year Plan period Boxes Box 1 Trust Protection Fund Box 2 Banking Asset Registration and Transfer Center Co.， Ltd. Box 3 Exploring a unified registration system for trust products Box 4 The establishment of the China Micro—credit Companies Association Box 5 The first five pilot private banks Box 6 Internationalization oflarge commercial banks and supporting enterprises to "go global" Box 7 Large commercial banks utilized Internet finance to better serve the real economy Box 8 The CBRC further promoted credit asset securitization Box 9 The "Bank—Tax Interaction" mechanism helped to boost MSEs Box 10 Banks supported the Belt and Road Initiative Box 11 Banks supported the Coordinated Development of the Beijing—Tianjin—Hebei Region Program Box 12 Banks supporting the development of the Yangtze River Economic Belt Initiative Box 13 Banks supported the Mass Innovation and Entrepreneurship Drive Box 14 The Guidelines on Energy Efficicncy Credit were issued Box 15 Promoting law—based regulation in the banking sector Box 16 Issuance ofthe Guiding Opinions on Promoting the Sound Development of Internet Finance Box 17 The On—site Examination Bureau was established integrating on—site examination resources Box 18 The practice of using supervisory big data in the banking industry began to take shape Box 19 Major on—site examination projects Box 20 The CBRC reviewed the specific examinations on "Two Reinforces and Two Contains" Box 21 The 12th Meeting ofthe Internationa IAdvisory Council （IAC） Box 22 The Sth Cross—Straits Meeting on Banking Supervision Box 23 The consolidated management and supervision ofcommercial banks Box 24 Strictly preventing illegal fundraising risks Box 25 NPLs of commercial banks Box 26 The Guiding Opinions on Strengthening Financial Consumer Protection Box 27 Advancing the "Financial Knowledge to Countryside" Campaign Box 28 Urging banking institutions to optimize banking service charges to protect banking consumer rights Box 29 Rolling out the "Bank Card Points Donation" program throughout the country Media perspectives Media perspective 1 The door is fully opened to private banks Media perspective 2 Banks accelerated their presence to boost the Belt and Road Initiative Media perspective 3 Three highlights ofCBRC organizational reform： establishment， decentralization and innovation Media perspective 4 The CBRC cut down and delegated a large number of administrative approval items as a successful initiative of financial supervisory reform Charts Chart 1 Total assets and liabilities ofbanking institutions （2003—2015） Chart 2 Market share （by assets） ofbanking institutions （2003—2015） Chart 3 Deposits，loans & loan—to—deposit ratio （2003—2015） Chart 4 NPL ratio of commercial banks （2007—2015） Chart 5 Asset impairment provisions and provisioning coverage ratio of commercial banks （2007—2015） Chart 6 Income structure ofbanking institutions （2015） Chart 7 Liquidity condition ofbanking institutions （Jan.—Dec.2015） Chart 8 RMB loan—to—deposit ratio of commercial banks （Jan.—Dec.2015） Chart 9 Contribution of Expenses to the CBRC's 2015 Budget Table 1 Foreign banking establishments in China （As of end—2015） Table 2 Foreign banking assets in China （2010—2015）
