前三季度我国银行业整体运行稳健

Core Insights - The overall assets of China's banking industry continue to grow, reaching 474.31 trillion yuan by the end of Q3 2025, a year-on-year increase of 7.9% [1] - Large commercial banks are increasingly dominating the asset concentration, with their total assets accounting for 43.9% of the banking sector, up 0.2 percentage points from Q2 [1] - The net profit of commercial banks for the first three quarters remains stable at 1.87 trillion yuan, with an asset profitability ratio of 0.63% [2] Banking Sector Performance - By the end of Q3, the balance of inclusive loans to small and micro enterprises reached 36.5 trillion yuan, growing by 12.1% year-on-year [2] - The non-performing loan (NPL) ratio for commercial banks stands at 1.52%, a slight increase of 3 basis points from Q2 [3][4] - The provision coverage ratio is at 207.15%, indicating a strong risk mitigation capacity [3] Profitability and Efficiency - The net interest margin (NIM) for large commercial banks, city commercial banks, rural commercial banks, and foreign banks remains stable, while the NIM for joint-stock commercial banks has increased by 1 basis point to 1.56% [2] - Private banks continue to experience a significant decline in NIM, dropping 8 basis points to 3.83% [2] - The banking sector is expected to face ongoing pressure on NIM in the coming quarters, necessitating optimization of asset allocation and enhancement of operational efficiency [3] Risk Management - The asset quality of commercial banks remains stable, with sufficient risk compensation capabilities [3] - The NPL ratios for different types of banks vary, with large and joint-stock banks at 1.22%, city banks at 1.84%, and rural banks at 2.82% [4] - The overall banking sector demonstrates resilience, with strong support for the real economy despite a complex macro environment [3]