Core Insights - The total assets of China's banking and insurance sectors continued to grow in Q1 2025, indicating a stable financial environment and enhanced financial service capabilities [1][2] Banking Sector Performance - As of the end of Q1 2025, the total assets of banking institutions reached 458.3 trillion yuan, a year-on-year increase of 6.7% [2] - Large commercial banks accounted for 198.5 trillion yuan, growing by 7.3%, representing 43.3% of the total assets [2] - The balance of inclusive loans to small and micro enterprises was 35.3 trillion yuan, with a year-on-year growth of 12.5% [2] Insurance Sector Performance - The total assets of insurance institutions (excluding specialized insurance intermediaries) reached 37.8 trillion yuan, an increase of 1.9 trillion yuan or 5.4% from the beginning of the year [2] - The original insurance premium income for insurance companies was 2.2 trillion yuan, reflecting a year-on-year growth of 0.8% [3] Asset Quality and Risk Management - The non-performing loan balance for commercial banks was 3.4 trillion yuan, with a non-performing loan ratio of 1.51%, slightly up by 0.01 percentage points [4] - The average capital return rate for commercial banks was 8.82%, increasing by 0.72 percentage points [4] - The capital adequacy ratio for commercial banks stood at 15.28% as of the end of Q1 2025 [5] Liquidity and Solvency - The liquidity coverage ratio for commercial banks was 146.20%, down by 4.63 percentage points year-on-year [5] - The comprehensive solvency adequacy ratio for insurance companies was 204.5%, indicating sufficient solvency [5]

金融监管总局公布2025年一季度银行业保险业主要监管指标数据情况。 一、银行业和保险业总资产保持增长 2025年一季度末，我国银行业金融机构本外币资产总额458.3万亿元，同比增长6.7%。其中，大型商业 银行本外币资产总额198.5万亿元，同比增长7.3%，占比43.3%；股份制商业银行本外币资产总额75.5万 亿元，同比增长5.2%，占比16.5%。 2025年一季度末，商业银行1（法人口径，下同）不良贷款余额3.4万亿元，较上季末增加1574亿元；商 业银行不良贷款率1.51%，较上季末上升0.01个百分点。 2025年一季度末，商业银行正常贷款余额223.7万亿元，其中正常类2贷款余额218.7万亿元，关注类2贷 款余额5万亿元。 四、商业银行风险抵补能力整体充足 2025年一季度，商业银行累计实现净利润6568亿元。平均资本利润率为8.82%，较上季末上升0.72个百 分点。平均资产利润率为0.68%，较上季末上升0.05个百分点。 2025年一季度末，商业银行贷款损失准备余额为7.2万亿元，较上季末增加2273亿元；拨备覆盖率为 208.13%，较上季末下降3.06个百分点；贷款拨备率为3.15% ...