China's four largest state-owned banks report lower nonperforming loan ratios in 2025.

China's four largest state-owned banks reported declining nonperforming loan ratios by the end of 2025, signaling improved financial stability. ICBC, CCB, Bank of China, and Agricultural Bank of China all saw their NPL rates drop, driven by proactive risk controls, tighter credit oversight, and digital monitoring systems. Officials expressed confidence in future asset quality recovery, citing national policies aimed at boosting consumption.