The China Banking and Insurance Regulatory Commission released its fourth quarter 2025 data on key regulatory indicators for China’s banking and insurance sectors, showing continued balance-sheet expansion alongside broadly stable banking system asset quality and liquidity. Total assets of banking financial institutions reached CNY 480 trillion, up 8.0% year on year, while commercial banks’ non-performing loan (NPL) ratio stood at 1.50%. Large commercial banks reported CNY 210.8 trillion in assets, up 10.8% year on year, and joint-stock commercial banks held CNY 77.8 trillion, up 4.8%. Inclusive small and micro enterprise loans totalled CNY 37 trillion, up 11.0% year on year, and inclusive agriculture-related loans reached CNY 14.2 trillion, up 10.3%. Commercial bank NPLs were CNY 3.5 trillion, down CNY 24.1 billion from the prior quarter, with loan loss provisions of CNY 7.2 trillion and a provision coverage ratio of 205.21%. For 2025, commercial banks recorded cumulative net profit of CNY 2.4 trillion, with average return on capital of 7.78% and return on assets of 0.60%; capital adequacy ratios were 15.46% overall, 12.37% Tier 1, and 10.92% core Tier 1. Liquidity metrics included a liquidity coverage ratio of 157.99% and a net stable funding ratio of 127.83% (both reported for commercial banks with assets above CNY 200 billion). On the insurance side, total assets of insurance companies and insurance asset management companies were CNY 41.3 trillion, up 15.1% from the start of the year; 2025 original premium income was CNY 6.1 trillion and claims and benefit payments were CNY 2.4 trillion. Average comprehensive solvency adequacy was 181.1% and core solvency adequacy was 130.4%, above the stated regulatory standards of 100% and 50%.
China Banking and Insurance Regulatory Commission 2026-02-12
China Banking and Insurance Regulatory Commission publishes fourth quarter 2025 indicators showing CNY 480tn banking assets and a 1.50% commercial bank NPL ratio
The China Banking and Insurance Regulatory Commission's Q4 2025 data shows continued expansion in the banking and insurance sectors, with banking financial institutions' assets reaching CNY 480 trillion, an 8.0% increase year on year, and a stable non-performing loan ratio of 1.50%. Insurance companies' assets grew to CNY 41.3 trillion, up 15.1% from the start of the year, with solvency adequacy ratios exceeding regulatory standards.