National Financial Regulatory Administration: Commercial banks' overall risk mitigation capacity is sufficient

K-LinePoet · 2026-02-28T17:38:48+00:00

The financial indicators for the banking and insurance industries released by the National Financial Regulatory Administration for Q4 2025 show that commercial banks' net profit reached 2.4 trillion yuan, with an average return on capital of 7.78%, loan loss reserve balance of 7.2 trillion yuan, and a capital adequacy ratio of 15.46%.

K-LinePoet

2026-02-28 17:38:48

Abstract generation in progress

The State Financial Regulatory Administration released data on key regulatory indicators for the banking and insurance industries in Q4 2025. Among them, for the entire year of 2025, commercial banks achieved a total net profit of 2.4 trillion yuan. As of the end of Q4 2025, the average return on capital was 7.78%, and the average return on assets was 0.60%. The loan loss reserve balance for commercial banks (excluding foreign bank branches) was 7.2 trillion yuan; the reserve coverage ratio was 205.21%, and the loan loss provision rate was 3.07%. As of the end of Q4 2025, the capital adequacy ratio for commercial banks was 15.46%, the Tier 1 capital adequacy ratio was 12.37%, and the core Tier 1 capital adequacy ratio was 10.92%.

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