CCTV News: The State Administration for Financial Supervision and Administration announced the data on major regulatory indicators of the banking and insurance industry in the first quarter of 2025.

1. Total assets of the banking and insurance industries maintained growth

At the end of the first quarter of 2025, the total assets of domestic and foreign currencies of financial institutions in my country's banking industry were 458.3 trillion yuan, an increase of 6.7% year-on-year. Among them, the total amount of domestic and foreign currency assets of large commercial banks was 198.5 trillion yuan, an increase of 7.3% year-on-year, accounting for 43.3%; the total amount of domestic and foreign currency assets of joint-stock commercial banks was 75.5 trillion yuan, an increase of 5.2% year-on-year, accounting for 16.5%.

At the end of the first quarter of 2025, the total assets of financial institutions in the insurance industry (excluding professional insurance intermediary institutions) were 37.8 trillion yuan, an increase of 1.9 trillion yuan from the beginning of the year, an increase of 5.4%. Among them, property insurance companies were 3.1 trillion yuan, an increase of 6.2% from the beginning of the year; life insurance companies were 33.1 trillion yuan, an increase of 4.8% from the beginning of the year; reinsurance companies were 842.3 billion yuan, an increase of 1.7% from the beginning of the year; insurance asset management companies were 132.6 billion yuan, an increase of 3.8% from the beginning of the year.

2. Financial services in the banking and insurance industries continued to strengthen

At the end of the first quarter of 2025, the balance of inclusive loans to small and micro enterprises in banking financial institutions was 35.3 trillion yuan, an increase of 12.5% ​​year-on-year. The balance of inclusive agricultural loans was 13.7 trillion yuan, an increase of 795.5 billion yuan from the beginning of the year.

In the first quarter of 2025, the insurance company's original insurance premium income was 2.2 trillion yuan, an increase of 0.8% year-on-year; the compensation and payment expenditure was 827.4 billion yuan, an increase of 12.2% year-on-year; the number of new insurance policies was 24.9 billion yuan, an increase of 20.7% year-on-year.

3. The overall quality of credit assets of commercial banks is stable

At the end of the first quarter of 2025, the balance of non-performing loans of commercial banks (legal persons, the same below) was 3.4 trillion yuan, an increase of 157.4 billion yuan from the end of the previous quarter; the non-performing loan ratio of commercial banks was 1.51%, an increase of 0.01 percentage points from the end of the previous quarter.

At the end of the first quarter of 2025, the normal loan balance of commercial banks was 223.7 trillion yuan, of which the normal loan balance was 218.7 trillion yuan, and the balance of attention loans was 5 trillion yuan.

4. Commercial banks have sufficient risk compensation capabilities as a whole.

In the first quarter of 2025, commercial banks achieved a cumulative net profit of 656.8 billion yuan. The average capital profit margin was 8.82%, up 0.72 percentage points from the end of the previous quarter. The average asset profit margin was 0.68%, up 0.05 percentage points from the end of the previous quarter.

At the end of the first quarter of 2025, the balance of loan loss provisions for commercial banks was 7.2 trillion yuan, an increase of 227.3 billion yuan from the end of the previous quarter; the provision coverage ratio was 208.13%, a decrease of 3.06 percentage points from the end of the previous quarter; the loan provision ratio was 3.15%, a decrease of 0.03 percentage points from the end of the previous quarter.

At the end of the first quarter of 2025, the capital adequacy ratio of commercial banks (excluding foreign bank branches) was 15.28%, the Tier 1 capital adequacy ratio was 12.18%, and the core Tier 1 capital adequacy ratio was 10.70%.

5. Commercial banks' liquidity indicators remain stable

At the end of the first quarter of 2025, the liquidity coverage ratio of commercial banks was 146.20%, a year-on-year decrease of 4.63 percentage points; the proportion of net stable funds was 127.57%, a year-on-year increase of 2.25 percentage points; the liquidity ratio was 76.15%, a year-on-year increase of 7.49 percentage points; the excess reserve ratio of RMB was 1.20%, a year-on-year decrease of 0.50 percentage points; the deposit and loan ratio (RMB domestic caliber) was 80.01%, a year-on-year increase of 1.21 percentage points.

6. Insurance companies' solvency remains sufficient

At the end of the first quarter of 2025, the insurance companies' comprehensive solvency adequacy ratio was 204.5%, and the core solvency adequacy ratio was 146.5%. Among them, the comprehensive solvency adequacy ratios of property insurance companies, life insurance companies and reinsurance companies are 239.3%, 196.6%, and 255%, respectively; the core solvency adequacy ratios are 209.5%, 132.8%, and 221.6%, respectively.