国家金融监管总局：2025年四季度我国银行业和保险业总资产保持增长

Group 1 - The total assets of China's banking sector reached 480 trillion yuan by the end of Q4 2025, reflecting an 8.0% year-on-year growth [3] - The total assets of insurance companies and insurance asset management companies amounted to 41.3 trillion yuan, a 15.1% increase from the beginning of the year [3] Group 2 - The balance of inclusive loans to small and micro enterprises in the banking sector was 37 trillion yuan, up 11.0% year-on-year [4] - The original insurance premium income for insurance companies was 6.1 trillion yuan, representing a 7.4% year-on-year growth [4] Group 3 - The non-performing loan balance for commercial banks was 3.5 trillion yuan, a decrease of 241 billion yuan from the previous quarter, with a non-performing loan ratio of 1.50% [5] - The normal loan balance for commercial banks was 230.2 trillion yuan, with 225.1 trillion yuan classified as normal loans [5] Group 4 - Commercial banks achieved a net profit of 2.4 trillion yuan for the year 2025, with an average capital return rate of 7.78% and an average asset return rate of 0.60% by the end of Q4 [6] - The loan loss provision balance for commercial banks was 7.2 trillion yuan, with a provision coverage ratio of 205.21% [6] Group 5 - The liquidity coverage ratio for commercial banks was 157.99%, an increase of 8.27 percentage points from the previous quarter [7] - The net stable funding ratio was 127.83%, up 0.16 percentage points from the previous quarter [7] Group 6 - The average comprehensive solvency adequacy ratio for insurance companies was 181.1%, with core solvency adequacy ratio at 130.4%, both exceeding regulatory standards [8] - Property insurance companies had a solvency ratio of 243.5%, while life insurance companies had a ratio of 169.3% [8]