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2025年上半年商业银行累计实现净利润1.2万亿元,不良贷款率降至1.49%
Bei Jing Shang Bao·2025-08-15 11:03

Core Insights - The total assets of China's banking financial institutions reached 467.3 trillion yuan by the end of Q2 2025, marking a year-on-year growth of 7.9% [1] - The non-performing loan (NPL) balance for commercial banks was 3.4 trillion yuan, with an NPL ratio of 1.49%, showing a slight decrease from the previous quarter [1] - The net profit of commercial banks for the first half of 2025 was 1.2 trillion yuan, with an average capital return rate of 8.19% [2] Banking Sector Overview - By the end of Q2 2025, large commercial banks held assets totaling 204.2 trillion yuan, a 10.4% increase year-on-year, accounting for 43.7% of the total assets [1] - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, reflecting a year-on-year growth of 12.3% [1] - The capital adequacy ratio for commercial banks was 15.58%, an increase of 0.30 percentage points from the previous quarter [2] Risk Management and Profitability - The loan loss provision balance for commercial banks was 7.3 trillion yuan, with a provision coverage ratio of 211.97%, up by 3.84 percentage points [2] - The average asset return rate stood at 0.63% by the end of Q2 2025 [2] - The core tier one capital adequacy ratio was 10.93%, reflecting an increase of 0.24 percentage points from the previous quarter [2] Liquidity Position - The liquidity coverage ratio for commercial banks was 149.25%, an increase of 3.05 percentage points from the previous quarter [2] - The net stable funding ratio was 127.59%, showing a slight increase of 0.02 percentage points [2] - The loan-to-deposit ratio (in RMB) was 80.34%, up by 0.33 percentage points from the previous quarter [2]