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BEIJING, Nov. 3 (Xinhua) -- The latest quarterly reports of Chinese banks pointed to milder growth in bad loans, adding to evidence that the country's credit risk is under control albeit increasing.


China Construction Bank (CCB), one of China's "big four" state-owned lenders, posted a 1.56-percent non-performing loan (NPL) ratio at the end of September, down from 1.58 percent at the end of 2015.


China Minsheng Bank and China Everbright Bank, two smaller lenders, saw their bad loan ratios drop 0.03 percentage points and 0.1 percentage point, respectively, in the past three quarters.


Agricultural Bank of China, another of the "big four," kept a stable NPL ratio, while that of Industrial and Commercial Bank of China (ICBC), the country's largest lender, rose to 1.62 percent from 1.5 percent at the end of 2015.


Though some banks' NPL ratios continued to increase, overall growth was subdued compared with late 2015, when almost all banks reported higher NPL ratios, said Guo Tianyong, a researcher at the Central University of Finance and Economics.


He attributed the improvement to a stabilizing economy and counter measures introduced by lenders.


Concerns about the quality of China's banking assets have been on the rise amid fast credit expansion, as the country seeks to prop up the economy against a backdrop of lackluster global growth.


Chinese banks as a whole saw an NPL ratio of 1.75 percent at the end of June, stable from a quarter earlier but up from 1.67 percent at the end of 2015, with bad loans reaching 1.44 trillion yuan (213 billion U.S. dollars), according to official data.


In a sign of abating pressure, the country's economy stabilized in recent months, holding steady at 6.7-percent growth in the third quarter of 2016. Its manufacturing sector expanded at the fastest pace in more than two years in October, well above market expectations.


Banks have used their profits and loss provisions to write off bad loans, while adjusting their lending structure to avoid potential losses.


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