China Banks’ Profit Edges Up as Margins Hold Near Record Lows
00:00/00:00
Listen to this article
1x
Subscribe now
Listen to the full version
Listen to the full version
Chinese commercial banks posted a 2.3% increase in net profit for 2025 as a key profitability metric remained at historic lows but held steady in recent quarters.
The sector’s combined net profit reached 2.4 trillion yuan ($343 billion) last year, data released Thursday by the National Financial Regulatory Administration showed. This was up 2.3% from a year earlier, according to Caixin calculations based on official figures. Total assets in local and foreign currencies rose 8% to 480 trillion yuan at the end of December.
You've accessed an article available only to subscribers
VIEW OPTIONS
Unlock exclusive discounts with a Caixin group subscription — ideal for teams and organizations.
Subscribe to both Caixin Global and The Wall Street Journal — for the price of one.
- RELATED
Share this article
Open WeChat and scan the QR code
- DIGEST HUB
Digest Hub
Back
Explore the story in 30 seconds
- Chinese commercial banks’ net profit grew 2.3% to 2.4 trillion yuan ($343 billion) in 2025, with total assets up 8% to 480 trillion yuan.
- Net interest margin remained low at 1.42% in Q4; large state-owned banks fell to a record low of 1.30% while rural banks saw slight improvement.
- Lending to small businesses and agriculture rose by 11% and 10.3%, respectively, and the sector’s nonperforming loan ratio fell to 1.50%.
AI generated, for reference only
- MOST POPULAR
Sign in with Google
Sign in with Facebook
Sign in with 财新