The China Banking and Insurance Regulatory Commission published second-quarter 2026 indicators showing continued growth in banking and insurance assets, alongside broadly stable credit quality, capital, liquidity and solvency. Banking sector assets reached CNY 498 trillion, up 6.6% year over year, while insurance companies and insurance asset managers held CNY 43.9 trillion, up 6.2% from the start of the year. Commercial banks’ nonperforming loan ratio edged up 0.01 percentage point from the previous quarter to 1.52%, with nonperforming loans totaling CNY 3.7 trillion. The sector’s capital adequacy ratio was 15.26%, and its provision coverage ratio was 202.87%. Insurers’ average comprehensive and core solvency adequacy ratios stood at 180.6% and 133.5%, respectively, above regulatory minimums of 100% and 50%. Inclusive lending also expanded, with loans to small and micro businesses rising 8% year over year to CNY 38.9 trillion and agriculture-related inclusive loans increasing 7.5% to CNY 15 trillion.
China Banking and Insurance Regulatory Commission2026-08-14
China Banking and Insurance Regulatory Commission reports 6.6% banking asset growth and broadly stable risk indicators
The China Banking and Insurance Regulatory Commission reported that banking assets rose 6.6% year over year to CNY 498 trillion, while insurance assets increased 6.2% from the start of 2026 to CNY 43.9 trillion. Commercial banks’ nonperforming loan ratio edged up to 1.52%, but capital and provisioning remained adequate. Insurers’ comprehensive and core solvency ratios remained above regulatory minimums.