By the end of 2025, the balance of inclusive small and micro enterprise loans increased by 11% year-on-year

Data released by the China Banking and Insurance Regulatory Commission on February 12 shows that by the end of the fourth quarter of 2025, the balance of inclusive small and micro enterprise loans in banking financial institutions reached 37 trillion yuan, an 11.0% increase year-on-year; inclusive agricultural-related loans totaled 14.2 trillion yuan, a 10.3% increase year-on-year. Throughout 2025, insurance companies’ original insurance premium income was 6.1 trillion yuan, up 7.4% year-on-year; claims and benefit payments amounted to 2.4 trillion yuan, up 6.2%; and the number of new policies issued reached 116.8 billion, a 12.6% increase. The total assets of the banking and insurance sectors continued to grow. By the end of the fourth quarter of 2025, the total assets of China’s banking financial institutions in both domestic and foreign currencies reached 480 trillion yuan, an 8.0% increase year-on-year; the total assets of insurance companies and insurance asset management companies were 41.3 trillion yuan, a 15.1% increase from the beginning of the year. Regarding asset quality, by the end of the fourth quarter of 2025, the non-performing loan ratio of commercial banks was 1.50%, down 0.02 percentage points from the previous quarter; the reserve coverage ratio was 205.21%; the capital adequacy ratio of commercial banks (excluding foreign bank branches) was 15.46%, with a Tier 1 capital adequacy ratio of 12.37% and a core Tier 1 capital adequacy ratio of 10.92%. In terms of insurance solvency, by the end of the fourth quarter of 2025, the average comprehensive solvency adequacy ratio of insurance companies was 181.1%, and the core solvency adequacy ratio was 130.4%, both exceeding the regulatory standards of 100% and 50%, respectively. (Xinhua News Agency)