Assets Exceed 500 Trillion CNY! Banking and Insurance Regulator Releases Latest Data

【Large River Financial News】August 15, the banking and insurance regulator released data on the main regulatory indicators for the second quarter of 2025.

Banking and Insurance Industry Total Assets Continue to Grow

As of the end of the second quarter of 2025, China's banking institutions held a total of 467.3 trillion CNY in foreign exchange assets, up 7.9% from the same period last year. Among them, large commercial banks held 204.2 trillion CNY in foreign exchange assets, up 10.4%, accounting for 43.7%; joint-stock commercial banks held 75.7 trillion CNY in foreign exchange assets, up 5%, accounting for 16.2%.

As of the end of the second quarter of 2025, insurance companies and insurance asset management companies had total assets of 39.2 trillion CNY, an increase of 3.3 trillion CNY from the beginning of the year, up 9.2%. Among them, property insurance companies had 32 billion CNY in assets, up 9.5%; life insurance companies had 343 billion CNY in assets, up 8.8%; reinsurance companies had 8607 billion CNY in assets, up 4%; and insurance asset management companies had 1338 billion CNY in assets, up 4.7%.

Banking Industry Continues to Strengthen Financial Services

As of the end of the second quarter of 2025, banking institutions had a total of 36 trillion CNY in microfinance loans, up 12.3%. Microfinance loans to farmers and rural areas accounted for 13.9 trillion CNY, an increase of 1.1 trillion CNY from the beginning of the year.

In the first half of 2025, insurance companies had a total of 37 billion CNY in premium income, up 5.1%; claims and settlements were 13 billion CNY, up 9%; and new policies reached 524 million, up 11.1%.

Commercial Banks' Credit Assets Quality Remains Stable

As of the end of the second quarter of 2025, commercial banks had a total of 3.4 trillion CNY in non-performing loans, down 24 billion CNY from the previous quarter; and their non-performing loan ratio was 1.49%, down 0.02 percentage points from the previous quarter.

As of the end of the second quarter of 2025, commercial banks had a total of 226.8 trillion CNY in normal loans, including 221.8 trillion CNY in normal category loans and 5 trillion CNY in concerned category loans.

Commercial Banks' Risk Buffer Capacity Remains Adequate

In the first half of 2025, commercial banks had a total of 12 billion CNY in net profits. As of the end of the second quarter of 2025, their average capital adequacy ratio was 8.19%, and their average asset quality ratio was 0.63%.

As of the end of the second quarter of 2025, commercial banks had a total of 7.3 trillion CNY in loan loss reserves, up 1.269 billion CNY from the previous quarter; their coverage ratio was 211.97%, up 3.84 percentage points from the previous quarter; and their loan reserve ratio was 3.16%, up 0.01 percentage points from the previous quarter.

As of the end of the second quarter of 2025, commercial banks (excluding foreign bank branches) had a total capital adequacy ratio of 15.58%, up 0.30 percentage points from the previous quarter; their Tier 1 capital adequacy ratio was 12.46%, up 0.28 percentage points from the previous quarter; and their core Tier 1 capital adequacy ratio was 10.93%, up 0.24 percentage points from the previous quarter.

Commercial Banks' Liquidity Indices Remain Stable

As of the end of the second quarter of 2025, commercial banks had a total liquidity coverage ratio of 149.25%, up 3.05 percentage points from the previous quarter; their net stable funding ratio was 127.59%, up 0.02 percentage points from the previous quarter; and their liquidity ratio was 79.90%, up 3.75 percentage points from the previous quarter.

Insurance Industry's Payment Capacity Remains Adequate

As of the end of the second quarter of 2025, insurance companies had a comprehensive payment capacity coverage rate of 204.5%, and their core payment capacity coverage rate was 147.8%. Among them, property insurance companies had a comprehensive payment capacity coverage rate of 240.6% and a core payment capacity coverage rate of 211.2%; life insurance companies had a comprehensive payment capacity coverage rate of 196.6% and a core payment capacity coverage rate of 134.3%; reinsurance companies had a comprehensive payment capacity coverage rate of 250.5% and a core payment capacity coverage rate of 219.6%.

Editor: Chen Yuoyang | Reviewer: Li Zhen | Monitor: Gudou