智库·数据丨“数”览前三季度银行业“成绩单”

Core Insights - The overall operation of China's banking industry remains stable, with total assets exceeding 474 trillion yuan and a double-digit growth in inclusive finance loans [1][5] - Large commercial banks play a crucial role in stabilizing the macro economy, with their total assets reaching 208.1 trillion yuan, a 10% year-on-year increase [5][6] - The banking sector is effectively supporting the real economy, with inclusive loans for small and micro enterprises growing by 12.1% to 36.5 trillion yuan [6][7] Group 1: Financial Performance - As of the end of Q3 2025, the total assets of China's banking institutions reached 474.3 trillion yuan, marking a 7.9% year-on-year growth [5][6] - Commercial banks achieved a net profit of 1.9 trillion yuan in the first three quarters of 2025, maintaining stable profitability [8] - The average capital return rate and asset return rate were 8.18% and 0.63%, respectively, indicating solid financial performance [8] Group 2: Asset Quality and Risk Management - The non-performing loan balance stood at 3.5 trillion yuan, with a non-performing loan rate of 1.52%, reflecting manageable risk levels [7][8] - The loan loss provision balance reached 7.3 trillion yuan, with a provision coverage ratio of 207.15%, ensuring robust risk mitigation [8] - Capital adequacy ratios remained high, with a capital adequacy ratio of 15.36% and a core tier one capital ratio of 10.87% [8] Group 3: Support for the Real Economy - Inclusive loans for small and micro enterprises reached 36.5 trillion yuan, growing by 12.1%, demonstrating a clear focus on supporting these sectors [6][7] - Agricultural inclusive loans amounted to 14.1 trillion yuan, contributing to rural revitalization and agricultural modernization [6][7] - The banking sector is increasingly aligning its services with the needs of the real economy, benefiting various industries and households [6][7] Group 4: Future Outlook - Recommendations for the banking sector include optimizing asset-liability management, deepening digital transformation, and enhancing risk management efforts [8] - Financial regulatory authorities are encouraged to adjust monetary and regulatory policies to foster a conducive environment for high-quality development [8]