央行：2025年四季度末不含个人住房贷款的消费性贷款余额21.16万亿元，同比增长0.7%

Core Insights - The People's Bank of China released the statistics report on the loan allocation of financial institutions for Q4 2025, indicating a slight growth in household loans and business loans [1] Group 1: Household Loans - The balance of RMB and foreign currency household loans reached 83.28 trillion yuan, reflecting a year-on-year growth of 0.5%, with an annual increase of 441.2 billion yuan [1] Group 2: Business Loans - The balance of operating loans amounted to 25.11 trillion yuan, showing a year-on-year increase of 4.0%, with an annual increase of 937.8 billion yuan [1] Group 3: Consumer Loans - The balance of consumer loans excluding personal housing loans was 21.16 trillion yuan, with a year-on-year growth of 0.7%, resulting in an annual increase of 180.2 billion yuan [1]