At the end of 2015, Agricultural Bank of China was sitting on the largest proportion of non-performing loans (NPLs) of any large Chinese bank (see chart one), with bad loans accounting for 2.39% of its loanbook. Moreover, it has also seen the largest increase in NPLs over the course of 2015, with an increase of 0.85 percentage points. The other three big Chinese banks - Industrial Commercial Bank of China (ICBC), Bank of China and China Construction Bank (CCB) - managed to keep their NPLs in the vicinity of 1.5%.
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