国家金融监管总局：商业银行流动性覆盖率上升

Core Viewpoint - The National Financial Regulatory Administration released key regulatory indicators for the banking and insurance sectors for the fourth quarter of 2025, showing improvements in liquidity metrics and a slight decline in the loan-to-deposit ratio [1] Group 1: Liquidity Indicators - The liquidity coverage ratio of commercial banks reached 157.99%, an increase of 8.27 percentage points from the previous quarter [1] - The net stable funding ratio stood at 127.83%, rising by 0.16 percentage points compared to the last quarter [1] - The liquidity ratio was reported at 80.95%, up by 0.85 percentage points from the previous quarter [1] - The excess reserve ratio for RMB was 1.64%, which is an increase of 0.10 percentage points from the previous quarter [1] Group 2: Loan-to-Deposit Ratio - The loan-to-deposit ratio (RMB domestic) was 80.08%, showing a decrease of 0.38 percentage points from the previous quarter [1]