China Banking Regulatory Commission: Overall, commercial banks have sufficient risk coverage capabilities.

The China Banking and Insurance Regulatory Commission released the data on the key regulatory indicators of the banking and insurance industries for the fourth quarter of 2025. In the entire year of 2025, commercial banks achieved a cumulative net profit of 2.4 trillion yuan. By the end of the fourth quarter of 2025, the average capital profit rate was 7.78%, and the average asset profit rate was 0.60%. At the end of the fourth quarter of 2025, the commercial banks' loan loss reserves balance was 7.2 trillion yuan; the provision coverage ratio was 205.21%, and the loan provision ratio was 3.07%. At the end of the fourth quarter of 2025, the capital adequacy ratio of 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%.