金融监管总局：三季度末我国银行业金融机构本外币资产总额474.3万亿元

Core Insights - The banking and insurance sectors in China have shown growth in total assets as of Q3 2025, with banking assets reaching 474.3 trillion yuan, a year-on-year increase of 7.9% [1] - Insurance companies and asset management firms reported total assets of 40.4 trillion yuan, reflecting a 12.5% growth compared to the beginning of the year [1] Banking Sector Summary - By the end of Q3 2025, large commercial banks held total assets of 208.1 trillion yuan, up 10% year-on-year, accounting for 43.9% of the total banking assets [1] - The non-performing loan balance for commercial banks was 3.5 trillion yuan, with a non-performing loan ratio of 1.52%, an increase of 0.03 percentage points from the previous quarter [2] - Commercial banks achieved a net profit of 1.9 trillion yuan in the first three quarters of 2025, with an average capital return rate of 8.18% and an average asset return rate of 0.63% [2] Insurance Sector Summary - Insurance companies reported original premium income of 5.2 trillion yuan in the first three quarters of 2025, a year-on-year increase of 8.5% [2] - The solvency ratios for the insurance industry were robust, with a comprehensive solvency adequacy ratio of 186.3% and a core solvency adequacy ratio of 134.3% as of Q3 2025 [3] Financial Services and Loans - The balance of inclusive loans to small and micro enterprises reached 36.5 trillion yuan, growing by 12.1% year-on-year [1] - The balance of inclusive agricultural loans was 14.1 trillion yuan, with an increase of 1.2 trillion yuan since the beginning of the year [1] Liquidity and Risk Management - Commercial banks maintained stable liquidity indicators, with a liquidity coverage ratio of 149.73%, an increase of 0.48 percentage points from the previous quarter [3] - The loan loss provision balance for commercial banks was 7.3 trillion yuan, with a provision coverage ratio of 207.15% [2]