China's bank loans as a share of all financing in the economy may have fallen to a record low, giving evidence of an increasing use of alternative financing channels.
China's new yuan-denominated lending reached 8.2 trillion yuan ($1.3 trillion) in 2012, up 732 billion yuan year-on-year.
Net profits at China Everbright Bank, a mid-sized lender, rose 30.74 percent in 2012 to 23.62 billion yuan ($3.79 billion).
Chinese microcredit companies reported 600 billion yuan ($96.31 billion) in outstanding loans by the end of last year, up 52 percent year-on-year.
China's big four banks issued 164 billion yuan ($26.3 billion) of new credit in December, Economic Information.
IPOs on China's A-share market slowed in 2012, with fewer newly listed companies and reduced fundraising, according to a financial data provider.
Shanghai Pudong Development Bank saw its profits reach 34.16 billion yuan ($5.43 billion) last year, a preliminary financial report showed.
Chinais expected to remain the world's top gold producer for the sixth straight year in 2012, the China Gold Association said on Thursday.
China's capital and financial account deficit in the third quarter was revised down to $51.7 billion from the previous figure of $71 billion.