截至三季度末银行业总资产达474.3万亿元，商业银行净息差持平于1.42%

Core Insights - The total assets of China's banking financial institutions reached 474.3 trillion yuan by the end of Q3 2025, reflecting a year-on-year growth of 7.9% [1] - Large commercial banks accounted for 208.1 trillion yuan of the total assets, with a year-on-year increase of 10%, representing 43.9% of the total [1] - The net interest margin for commercial banks remained stable at 1.42% compared to the previous quarter [1] Asset Quality - The non-performing loan (NPL) balance for commercial banks was 3.5 trillion yuan, an increase of 883 billion yuan from the previous quarter [1] - The NPL ratio rose to 1.52%, up by 0.03 percentage points from the previous quarter [1] - The normal loan balance stood at 228.8 trillion yuan, with 223.7 trillion yuan in normal loans and 5.1 trillion yuan in special mention loans [1] Risk Compensation Capacity - Commercial banks achieved a cumulative net profit of 1.9 trillion yuan in the first three quarters of 2025 [1] - The average return on equity was 8.18%, while the average return on assets was 0.63% as of the end of Q3 2025 [1] - The loan loss provision balance was 7.3 trillion yuan, increasing by 174 billion yuan from the previous quarter, with a provision coverage ratio of 207.15% and a loan provision ratio of 3.14% [1]