前三季度银行业实现净利润1.9万亿元 不良率微升至1.52%

Core Insights - The banking sector in China reported a net profit of 1.9 trillion yuan for the first three quarters of 2025, with stable profitability levels indicated by an average capital return rate of 8.18% and an average asset return rate of 0.63% [1] - There was an increase in non-performing loans (NPLs) in the third quarter, with the NPL balance rising to 3.5 trillion yuan and the NPL ratio increasing to 1.52% [1] - The banking sector's risk compensation capacity strengthened, with loan loss provisions reaching 7.3 trillion yuan and a provision coverage ratio of 207.15% [1] Banking Sector Performance - By the end of Q3 2025, the liquidity coverage ratio for commercial banks was 149.73%, and the net stable funding ratio was 127.67%, indicating improved liquidity management [2] - The total assets of the banking sector reached 474.3 trillion yuan, growing by 7.9% year-on-year, with large commercial banks showing a 10% increase in total assets [3] Insurance Sector Performance - The insurance sector's comprehensive solvency adequacy ratio stood at 186.3%, with property insurance companies showing a ratio of 240.8% [2] - The total assets of insurance companies and asset management companies reached 40.4 trillion yuan, reflecting a 12.5% increase from the beginning of the year [3] Financial Services and Support - The banking sector increased support for inclusive finance, with loans to small and micro enterprises reaching 36.5 trillion yuan, a year-on-year growth of 12.1% [4] - Insurance companies reported a premium income of 5.2 trillion yuan for the first three quarters of 2025, marking an 8.5% increase [4]