金融监管总局：2025年四季度末我国银行业金融机构本外币资产总额480万亿元

Group 1: Banking and Insurance Sector Overview - The total assets of the banking and insurance sectors continue to grow, with the total assets of banking institutions reaching 480 trillion yuan by the end of Q4 2025, a year-on-year increase of 8.0% [1] - Large commercial banks accounted for 210.8 trillion yuan of the total banking assets, growing by 10.8% year-on-year, representing 43.9% of the total [1] - Insurance companies and asset management companies had total assets of 41.3 trillion yuan, up 15.1% from the beginning of the year [1] Group 2: Loan and Insurance Premium Performance - The balance of inclusive loans to small and micro enterprises reached 37 trillion yuan, with a year-on-year growth of 11.0% [1] - The original insurance premium income for insurance companies was 6.1 trillion yuan, reflecting a year-on-year increase of 7.4% [1] - The number of new insurance policies issued reached 116.8 billion, a year-on-year increase of 12.6% [1] Group 3: Asset Quality and Profitability of Commercial Banks - The non-performing loan balance of commercial banks was 3.5 trillion yuan, decreasing by 24.1 billion yuan from the previous quarter, with a non-performing loan ratio of 1.50% [2] - The net profit of commercial banks for the year 2025 was 2.4 trillion yuan, with an average capital return rate of 7.78% [2] - The loan loss provision balance was 7.2 trillion yuan, with a provision coverage ratio of 205.21% [2] Group 4: Liquidity and Solvency Indicators - The liquidity coverage ratio of commercial banks was 157.99%, increasing by 8.27 percentage points from the previous quarter [3] - The average comprehensive solvency adequacy ratio for insurance companies was 181.1%, exceeding regulatory standards [3] - Property insurance companies had a solvency ratio of 243.5%, while life insurance companies had a core solvency ratio of 169.3% [3]