国家金融监管总局公布数据显示，2025年上半年，商业银行累计实现净利润1.2万亿元人民币(下同)。2025年二季度末，平均资本利润率为8.19%。平均资产利润率为0.63%。2025年二季度末，商业银行贷款损失准备余额为7.3万亿元，较上季末增加1,269亿元；拨备覆盖率为211.97%，较上季末上升3.84个百分点；贷款拨备率为3.16%，较上季末上升0.01个百分点。2025年二季度末，商业银行不良贷款余额3.4万亿元，较上季末减少24亿元；商业银行不良贷款率1.49%，较上季末下降0.02个百分点。商业银行流动性覆盖率为149.25%，较上季末上升3.05个百分点；存贷款比例为80.34%，较上季末上升0.33个百分点。2025年上半年，保险公司原保险保费收入3.7万亿元，按年增长5.1%；赔款与给付支出1.3万亿元，按年增长9%；新增保单件数524亿件，按年增长11.1%。2025年二季度末，保险业综合偿付能力充足率为204.5%，核心偿付能力充足率为147.8%。此外，2025年二季度末，银行业金融机构普惠型小微企业贷款余额36万亿元，按年增长12.3%。普惠型涉农贷款余额13.9万亿元，较年初增加1.1万亿元。(ta/w)
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