国家金融监督管理总局：2025年商业银行累计实现净利润2.4万亿元

Core Insights - The total assets of China's banking sector reached 480 trillion yuan by the end of Q4 2025, marking an 8.0% year-on-year increase [1] - Large commercial banks accounted for 43.9% of total assets, with a total of 210.8 trillion yuan, reflecting a 10.8% growth [1] - The balance of inclusive loans for small and micro enterprises reached 37 trillion yuan, up 11.0% year-on-year [1] Group 1: Banking Sector Performance - The total assets of large commercial banks were 210.8 trillion yuan, with a year-on-year growth of 10.8% [1] - The balance of non-performing loans in commercial banks was 3.5 trillion yuan, a decrease of 241 billion yuan from the previous quarter [1] - The non-performing loan ratio stood at 1.50%, down by 0.02 percentage points from the previous quarter [1] Group 2: Profitability and Capital Adequacy - In 2025, commercial banks achieved a cumulative net profit of 2.4 trillion yuan [2] - The average capital return rate was 7.78%, while the average asset return rate was 0.60% by the end of Q4 2025 [2] - The capital adequacy ratio for commercial banks was 15.46%, with a core tier 1 capital ratio of 10.92% [2] Group 3: Liquidity Indicators - The liquidity coverage ratio for commercial banks was 157.99%, an increase of 8.27 percentage points from the previous quarter [2] - The net stable funding ratio was 127.83%, up by 0.16 percentage points from the previous quarter [2] - The loan-to-deposit ratio (in RMB) was 80.08%, a decrease of 0.38 percentage points from the previous quarter [2]