According to Anbound's think-tank scholar, the credit quality of Chinese banks will be the market focus due to the economic slowdown. Based on the 2012 annual reports of Bank of China, Agriculture Bank of China and China Construction Bank, the total volume of the non-performing loans (NPLs) in these three banks reached RMB 225.914 billion yuan, an increase of about 2% y-o-y by the end of 2012. In terms of the region and industry, the Yangtze River Delta and manufacturing industry are affected most while the loans to real estate has not shown the sign of concentrated exploring risk.