大力整治“内卷式”竞争 银行业经营质效持续提升

Group 1 - The core viewpoint of the news is that the banking and insurance sectors in China are showing stable growth and improved operational efficiency, with key indicators reflecting resilience and enhanced risk management capabilities [2][3][4] Group 2 - As of 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%, while insurance companies' total assets grew by 9.2% to 39.2 trillion yuan [2] - The non-performing loan (NPL) balance for commercial banks was 3.4 trillion yuan, a decrease of 2.4 billion yuan from the previous quarter, with an NPL ratio of 1.49%, down by 0.02 percentage points [2] - In the first half of the year, commercial banks reported a net profit of 1.2 trillion yuan, with an average capital return on equity of 8.19% and an average asset return on equity of 0.63% [3] - The cost-to-income ratio for commercial banks improved to 30.2%, a decrease of 5.3 percentage points compared to the previous year, while the net interest margin remained stable at 1.42% [3] - The loan loss provision balance for commercial banks was 7.3 trillion yuan, with a provision coverage ratio of 211.97%, indicating strong risk mitigation capabilities [3] - Overall, the banking sector is maintaining a stable operation with key indicators such as NPL ratio, provision coverage ratio, and capital adequacy ratio showing positive trends, reflecting the industry's resilience and ability to support the real economy [4]