China Adds Zheshang Bank to Systemically Important Lenders List
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China has expanded its list of domestic systemically important banks (D-SIBs) to 21 institutions, adding China Zheshang Bank Co. Ltd., regulators said Friday.
The People’s Bank of China (PBOC) and the National Financial Regulatory Administration released the results of their 2025 assessment, identifying 21 banks whose failure could have a significant impact on the financial system and the real economy. Banks on the list are subject to additional regulatory requirements.
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- China expanded its list of domestic systemically important banks (D-SIBs) to 21, adding China Zheshang Bank.
- Banks are divided into five groups based on systemic importance; Group 4 includes the "Big Four" state-owned banks.
- D-SIBs face stricter capital and regulatory requirements; the 2025 list is the fourth update since the framework began in 2020.
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Who’s Who
- China Zheshang Bank Co. Ltd.
- China Zheshang Bank Co. Ltd. (Zheshang Bank) has been added to China's list of domestic systemically important banks (D-SIBs), overseen by the People's Bank of China (PBOC) and the National Financial Regulatory Administration. It was placed in Group 1, requiring it to hold an additional 0.25% core tier-1 capital buffer and adhere to stricter regulatory standards. This expansion increases the D-SIB list to 21 institutions.
- Industrial and Commercial Bank of China Ltd.
- Industrial and Commercial Bank of China Ltd. is one of the "Big Four" state-owned commercial banks in China. It is categorized in Group 4 of China's domestic systemically important banks (D-SIBs), reflecting its significant impact on the financial system. As a D-SIB, it is subject to additional regulatory requirements and capital surcharges.
- Bank of China Ltd.
- Bank of China Ltd. is identified as a domestic systemically important bank (D-SIB) in China. It belongs to Group 4, the second-highest category, alongside other "Big Four" state-owned commercial banks. As a D-SIB, it faces additional regulatory requirements and capital surcharges under China's D-SIB framework.
- China Construction Bank Corp.
- China Construction Bank Corp. is one of the "Big Four" state-owned commercial banks in China. It is categorized in Group 4 of China's domestic systemically important banks (D-SIBs), meaning it faces higher capital surcharges and stricter regulatory requirements due to its systemic importance to the financial system.
- Agricultural Bank of China Ltd.
- Agricultural Bank of China Ltd. is one of China's "Big Four" state-owned commercial banks. It is classified under Group 4 in China's expanded list of Domestic Systemically Important Banks (D-SIBs) for 2025. As a D-SIB, it is subject to additional regulatory requirements and capital surcharges due to its significant impact on the financial system.
- Bank of Communications Co. Ltd.
- Bank of Communications Co. Ltd. (交通银行股份有限公司) has been identified as a domestically systemically important bank (D-SIB) in China. It is placed in Group 3, indicating its significant impact on the financial system and real economy. As a D-SIB, it is subject to additional regulatory requirements and capital surcharges.
- China Merchants Bank Co. Ltd.
- China Merchants Bank Co. Ltd. is one of the 21 domestic systemically important banks (D-SIBs) identified by Chinese regulators. It is categorized in Group 3, indicating its significant impact on the financial system and the real economy. As a D-SIB, it faces additional regulatory requirements and capital surcharges.
- China Minsheng Banking Corp.
- China Minsheng Banking Corp. is one of the 21 domestic systemically important banks (D-SIBs) in China. It has been placed in Group 1, making it subject to additional regulatory requirements and a 0.25% core tier-1 capital buffer.
- China Everbright Bank Co. Ltd.
- China Everbright Bank Co. Ltd. is identified as a domestic systemically important bank (D-SIB) in China. It is categorized under Group 1, according to the 2025 assessment by the People's Bank of China and the National Financial Regulatory Administration. As a Group 1 bank, it faces additional regulatory requirements, including a core tier-1 capital buffer of 0.25%.
- Ping An Bank Co. Ltd.
- Ping An Bank Co. Ltd. (平安银行股份有限公司) is one of the 21 domestic systemically important banks (D-SIBs) in China. It is categorized in Group 1, which includes 11 institutions. As a Group 1 D-SIB, Ping An Bank is subject to additional regulatory requirements, including a 0.25% core tier-1 capital buffer.
- Huaxia Bank Co. Ltd.
- Huaxia Bank Co. Ltd. is recognized as a domestic systemically important bank (D-SIB) in China. It is placed in Group 1, which now includes 11 institutions. As a D-SIB, Huaxia Bank Co. Ltd. is subject to additional regulatory requirements, such as a 0.25% core tier-1 capital buffer.
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