The China Banking and Insurance Regulatory Commission published first quarter 2026 banking and insurance indicators showing continued balance sheet growth across both sectors, expansion in inclusive lending and insurance business, and prudential metrics indicating broadly stable commercial bank asset quality and insurance solvency above minimum requirements. At the end of the quarter, banking institutions held CNY 494.7 trillion in assets, up 8.0% year on year, while insurance companies and insurance asset management companies held CNY 42.5 trillion in assets, up 2.8% from the start of the year. Commercial banks' non-performing loan ratio stood at 1.51%, up 0.02 percentage points from the previous quarter, and insurers' average comprehensive and core solvency adequacy ratios were 181.0% and 131.9%, above the regulatory standards of 100% and 50%. Large commercial banks accounted for CNY 219.5 trillion of banking assets and joint-stock commercial banks for CNY 79.6 trillion. Inclusive small and micro enterprise loans reached CNY 38.8 trillion and inclusive agriculture-related loans CNY 15.0 trillion, up 9.9% and 9.5% year on year. In insurance, original premium income totaled CNY 2.3 trillion in the quarter, claims and benefit payments CNY 889.3 billion, and new policies 32.1 billion. Commercial banks reported CNY 632.3 billion in net profit, with capital adequacy, Tier 1 and common equity Tier 1 ratios of 15.00%, 12.05% and 10.71%, while liquidity coverage and net stable funding ratios were 151.65% and 127.70%. Financial holding companies reported consolidated assets of CNY 28.3 trillion, liabilities of CNY 25.5 trillion and net assets of CNY 2.9 trillion.
China Banking and Insurance Regulatory Commission 2026-05-15
China Banking and Insurance Regulatory Commission publishes first quarter 2026 banking and insurance indicators showing asset growth and a 1.51% commercial bank NPL ratio
The China Banking and Insurance Regulatory Commission reported first quarter 2026 data showing continued balance sheet growth, expansion in inclusive lending, and prudential indicators pointing to broadly stable commercial bank asset quality and insurance solvency above minimum requirements. Banking institutions’ assets reached CNY 494.7 trillion, insurance sector assets CNY 42.5 trillion, with commercial banks’ non-performing loan ratio at 1.51% and insurers’ average comprehensive and core solvency adequacy ratios at 181.0% and 131.9%. Inclusive small and micro enterprise and agriculture-related loans grew by 9.9% and 9.5% year on year.