金融监管总局发布最新数据！股份行净息差环比回升1个基点

Core Insights - The banking sector in China has shown signs of stabilization in net interest margins, with a slight recovery observed in the third quarter of this year [2][3] - The total assets of banking institutions reached 474.3 trillion yuan, marking a year-on-year growth of 7.9% [1] - The insurance sector also demonstrated growth, with total assets increasing by 12.5% year-on-year to 40.4 trillion yuan [1] Banking Sector Performance - As of the end of Q3, commercial banks reported a net interest margin of 1.42%, stable compared to Q2 but down 11 basis points year-on-year [2] - The net profit for commercial banks in the first three quarters was 1.9 trillion yuan, roughly unchanged from the previous year [2] - The cost-to-income ratio for commercial banks increased compared to the end of the first half of the year but decreased by 3.74 percentage points compared to the end of last year, indicating improved operational efficiency [4] Asset Quality and Loan Growth - By the end of Q3, the non-performing loan balance for commercial banks was 3.5 trillion yuan, with a non-performing loan ratio of 1.52%, reflecting a slight increase from the previous quarter [7] - The balance of inclusive small and micro enterprise loans reached 36.5 trillion yuan, growing by 12.1% year-on-year, highlighting the sector's commitment to supporting small businesses [7] - Large commercial banks have seen their asset share rise to 43.88% of the total banking sector assets, the highest in recent years [8] Liquidity Indicators - Liquidity indicators for commercial banks remained stable, with the liquidity coverage ratio at 149.73%, up 0.48 percentage points from the previous quarter [10] - The net stable funding ratio was 127.67%, increasing by 0.08 percentage points, while the loan-to-deposit ratio stood at 80.46%, up 0.11 percentage points [10]