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国家金融监督管理总局：2025年上半年，商业银行累计实现净利润1.2万亿元
Cai Jing Wang·2025-08-18 07:52

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] - Large commercial banks accounted for 204.2 trillion yuan of total assets, growing by 10.4% year-on-year and representing 43.7% of the total [1] - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, with a year-on-year increase of 12.3% [1] Banking Asset Quality - The non-performing loan (NPL) balance for commercial banks was 3.4 trillion yuan, a decrease of 24 billion yuan from the previous quarter, with an NPL ratio of 1.49%, down by 0.02 percentage points [1] - The normal loan balance stood at 226.8 trillion yuan, with 221.8 trillion yuan classified as normal loans and 5 trillion yuan as attention loans [1] Risk Mitigation and Profitability - Commercial banks achieved a net profit of 1.2 trillion yuan in the first half of 2025, with an average capital return rate of 8.19% and an average asset return rate of 0.63% by the end of Q2 [1] Loan Loss Provisions - The loan loss provision balance for commercial banks was 7.3 trillion yuan, increasing by 126.9 billion yuan from the previous quarter, with a provision coverage ratio of 211.97%, up by 3.84 percentage points [2] - The loan provision rate was 3.16%, slightly increasing by 0.01 percentage points [2] Capital Adequacy - The capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.58%, up by 0.30 percentage points from the previous quarter [2] - The Tier 1 capital adequacy ratio was 12.46%, increasing by 0.28 percentage points, while the core Tier 1 capital adequacy ratio reached 10.93%, up by 0.24 percentage points [2] Liquidity Indicators - 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%, up by 0.02 percentage points, and the liquidity ratio was 79.90%, increasing by 3.75 percentage points [2]