HONG KONG - China Construction Bank (CCB), the country's second largest bank, said Sunday its net profit in the first half of this year jumped 27 percent to reach 70.78 billion yuan ($10.4 billion) from a year earlier and its non-performing loan (NPL) ratio dropped to 1.22 percent. In a filing to the Hong Kong stock exchange, CCB said its profit before tax amounted to 92.19 billion yuan, up 27.2 percent year on year. ... Falling NPL ratio The NPL ratio had dropped by 0.28 percentage points from the end of 2009 to 1.22 percent at the end of June this year. In breakdown, the NPL ratio for corporate loans dropped by 0.37 percentage points to 1.34 percent. The NPL ratio for personal loans decreased by 0.08 percentage points to 0.58 percent. The NPL ratio for overseas operations remained stable as a result of strengthened risk management of overseas business. The proportion of special mention loans dropped to 3.92 percent by this June, down 0.25 percentage points over the end of 2009. http://www.chinadaily.com.cn/business/2010-08/23/content_11187718.htm Seems, Chinese banks are in control of NPL´s...