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CN 2Q NPL Ratio of Commercial Banks Drops to 1.49%; Original Insurance Premium Income Up 5.1% YoY
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In the first half of 2025, commercial banks in Mainland China achieved a cumulative net profit of RMB1.2 trillion, the National Financial Regulatory Administration (NFRA)’s data showed.

By the end of the second quarter of 2025, the non-performing loan (NPL) balance of commercial banks was RMB3.4 trillion, down RMB2.4 billion from the end of the previous quarter; the NPL ratio of commercial banks stood at 1.49%, down 0.02 ppts from the previous quarter.

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In the first half of 2025, original insurance premium income of insurance companies of Mainland China was RMB3.7 trillion, up 5.1% YoY; claims and payouts were RMB1.3 trillion, up 9% YoY.
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