The China Banking and Insurance Regulatory Commission published end-Q2 2025 and first-half 2025 supervisory statistics for the banking and insurance sectors, pointing to continued balance-sheet growth alongside broadly stable credit quality, capital and liquidity conditions in commercial banks, and adequate solvency in insurers. At end-Q2 2025, total banking-sector assets (domestic and foreign currency) stood at CNY 467.3tn, up 7.9% year on year, including CNY 204.2tn at large commercial banks (up 10.4%, 43.7% share) and CNY 75.7tn at joint-stock commercial banks (up 5.0%, 16.2% share). Insurance companies and insurance asset management companies reported total assets of CNY 39.2tn, up CNY 3.3tn from the start of the year (+9.2%), with property insurers at CNY 3.2tn (+9.5%), life insurers at CNY 34.3tn (+8.8%), reinsurers at CNY 860.7bn (+4.0%), and insurance asset management companies at CNY 133.8bn (+4.7%). Inclusive finance indicators showed inclusive small and micro enterprise loans of CNY 36tn (+12.3% year on year) and inclusive agriculture-related loans of CNY 13.9tn (up CNY 1.1tn from the start of the year). For commercial banks (legal-person basis), non-performing loans totalled CNY 3.4tn, down CNY 2.4bn quarter on quarter, and the NPL ratio was 1.49% (down 0.02 percentage points). First-half net profit was CNY 1.2tn, with average return on capital of 8.19% and return on assets of 0.63%; loan loss provisions were CNY 7.3tn (up CNY 126.9bn), with a provisioning coverage ratio of 211.97% (up 3.84 percentage points). Capital adequacy ratios (excluding foreign bank branches) were reported at 15.58% for total capital, 12.46% for Tier 1, and 10.93% for core Tier 1, all higher than the previous quarter and calculated under the capital rules effective from 1 January 2024. Liquidity indicators for commercial banks with assets above CNY 200bn showed an LCR of 149.25% and an NSFR of 127.59%. In insurance, the comprehensive solvency adequacy ratio was 204.5% and the core solvency adequacy ratio was 147.8%, while first-half original premium income reached CNY 3.7tn (+5.1%) and claims and benefits paid totalled CNY 1.3tn (+9.0%).
China Banking and Insurance Regulatory Commission 2025-08-15
China Banking and Insurance Regulatory Commission releases Q2 2025 indicators showing CNY 467.3tn in banking assets and a 1.49% NPL ratio
The China Banking and Insurance Regulatory Commission reported continued balance-sheet growth and stable credit quality in the banking and insurance sectors for Q2 and H1 2025. Total banking-sector assets reached CNY 467.3tn, with large commercial banks holding a 43.7% share. Insurance companies' assets rose to CNY 39.2tn, while commercial banks maintained a non-performing loan ratio of 1.49% and a capital adequacy ratio of 15.58%.