What the Data Shows
China’s selected financial-institution balance growth rates ranged from 3.7 percent to 9.7 percent at the end of 2025. Household deposits grew fastest at 9.7 percent, while total deposits increased by 9.0 percent. Total loans rose by 6.2 percent, and both short-term and medium- and long-term loans increased by 5.8 percent. The rates describe nested and overlapping balance classifications and must not be added together.
Data table
Unit: percent year on year · Period: December 2025
| Rank | Entry | Value | Period |
|---|
| 1 | Total deposits | 9% | 2025-12 |
| 2 | Household deposits | 9.7% | 2025-12 |
| 3 | Enterprise deposits | 3.7% | 2025-12 |
| 4 | Total loans | 6.2% | 2025-12 |
| 5 | Short-term loans | 5.8% | 2025-12 |
| 6 | Medium- & long-term loans | 5.8% | 2025-12 |
Sources
Data notes & caveats
The balance categories overlap and the growth rates cannot be summed or treated as shares. The National Bureau of Statistics identifies the annual communiqué figures as preliminary.
Methodology
Compares six reported year-on-year rates at the same end-date, groups them by deposit or loan family and removes one exact duplicate rate.
Source consistency notes
All reported rates use the same NBS release, end-December 2025 date and percent unit.
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