The China Banking and Insurance Regulatory Commission released its end-Q3 2025 supervisory indicators for the banking and insurance sectors, showing continued balance-sheet growth and expanding inclusive finance lending, while commercial bank credit quality remained broadly stable despite a modest rise in non-performing loans. The release also reports generally adequate provisioning, capital, liquidity and insurance solvency positions. Banking financial institutions reported total assets of CNY 474.3tn (domestic and foreign currency), up 7.9% year on year, including CNY 208.1tn at large commercial banks (43.9% of the total) and CNY 76.2tn at joint-stock commercial banks (16.1%). Insurance companies and insurance asset management companies reported total assets of CNY 40.4tn, up CNY 4.5tn since the start of the year (12.5%), while insurers recorded original premium income of CNY 5.2tn in the first three quarters of 2025 (+8.5%), claims and benefits of CNY 1.9tn (+7.6%) and 84.6bn new policies (+7.9%). Inclusive small and micro enterprise loans were CNY 36.5tn (+12.1%) and inclusive agriculture-related loans were CNY 14.1tn, up CNY 1.2tn year-to-date. Commercial bank NPLs stood at CNY 3.5tn, up CNY 88.3bn from the prior quarter-end, and the NPL ratio rose 0.03 percentage points to 1.52%; normal loans totalled CNY 228.8tn, including CNY 5.1tn in special-mention loans. Commercial banks reported net profit of CNY 1.9tn for the first three quarters, average return on capital of 8.18% and return on assets of 0.63%; loan loss provisions were CNY 7.3tn with a provision coverage ratio of 207.15%, and the capital adequacy ratio (excluding foreign bank branches) was 15.36% on metrics calculated under the capital management rules effective from 1 January 2024. For banks with assets above CNY 200bn, the liquidity coverage ratio was 149.73% and the net stable funding ratio 127.67%. Insurance sector comprehensive and core solvency adequacy ratios were 186.3% and 134.3%, respectively.

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