Core Insights - The financial regulatory authority reported that by the end of Q2 2025, the total assets of China's banking sector reached 467.3 trillion yuan, a year-on-year increase of 7.9% [1] - The total assets of insurance companies and insurance asset management companies amounted to 39.2 trillion yuan, growing by 9.2% compared to the beginning of the year [1] Banking Sector Summary - Large commercial banks held total assets of 204.2 trillion yuan, up 10.4% year-on-year, accounting for 43.7% of the total banking assets [1] - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 2.4 billion yuan from the previous quarter, with a non-performing loan ratio of 1.49%, down 0.02 percentage points [2] - The average capital return rate for commercial banks was 8.19%, and the average asset return rate was 0.63% [2] - The cost-to-income ratio for commercial banks improved to 30.2%, a decrease of 5.3 percentage points from the previous year [2] Risk Mitigation and Capital Adequacy - The loan loss provision balance for commercial banks was 7.3 trillion yuan, with a provision coverage ratio of 211.97%, up 3.84 percentage points from the previous quarter [3] - The capital adequacy ratio for commercial banks was 15.58%, an increase of 0.30 percentage points from the previous quarter [3] - Liquidity indicators remained stable, with a liquidity coverage ratio of 149.25%, up 3.05 percentage points from the previous quarter [3] Insurance Sector Summary - The comprehensive solvency adequacy ratio for the insurance industry was 204.5%, with core solvency adequacy at 147.8% [4] - The solvency ratios for property insurance, life insurance, and reinsurance companies were 240.6%, 196.6%, and 250.5% respectively [4]
资产质量总体稳定、金融服务持续加强 二季度银行业保险业运行稳健
Shang Hai Zheng Quan Bao·2025-08-15 10:54