Economic Observer Reporter Hu Yanming On the evening of October 16, five state-owned banks of ICBC , Agricultural Bank of China , Bank of China , Bank of China , CCB , and Bank of Communications issued announcements, disclosing the financial support for the real economy this year and the credit issuance in the first three quarters of this year.
According to previous years' practice, A shares listed banks generally disclose their third-quarter reports in late October. This time, the major banks issued an announcement, "previewing" some loan indicators in the first three quarters in advance. Among them, the balance of domestic RMB loans of ICBC in the first three quarters increased by 2.2 trillion yuan compared with the end of the previous year; the RMB loans of CCB increased by 2.1 trillion yuan compared with the end of the previous year; the Agricultural Bank of China added RMB loans of 2.2 trillion yuan in the first three quarters; the customer loans of Bank of China increased by 1.69 trillion yuan compared with the beginning of the year; the various domestic RMB loans of Bank of Communications increased by 644.4 billion yuan compared with the end of the previous year.
On October 10, Postal Savings Bank , which is also a state-owned bank, was the first to issue the "Announcement on Continuously Serving the Real Economy and Improving the Quality and Efficiency of Operations". The announcement shows that in the first three quarters, the total amount of loans from Postal Savings Bank of China exceeded 7 trillion yuan, an increase of more than 10% from the end of the previous year, and the increase hit a record high in the same period. The six major banks issued a total of more than 9 trillion yuan in loans in the first three quarters.
major banks "chasing each other" in credit supply in the first three quarters, and competition is fierce. In the first half of this year, the scale of new RMB loans in ICBC, Agricultural Bank of China, CCB and Bank of China were 1.61 trillion yuan, 1.6 trillion yuan, 1.54 trillion yuan and 1.02 trillion yuan respectively.
In addition, several major banks disclosed some impressive business data in the announcement, such as the Agricultural Bank of China's new loans exceeded 900 billion yuan; the Bank of China's cross-border settlement business grew by more than 20%, and continued to maintain its leading industry advantage.
This is not the first time that state-owned banks have such a "tactic understanding" announcement. On the evening of March 10 this year, the four major banks of ICBC, Agricultural Bank of China, Bank of China and China Construction Bank collectively issued announcements, all saying that their operations have made steady progress in the first two months of this year and achieved a good start.
ICBC: Domestic RMB loan balance increases by 2.2 trillion yuan compared with the end of last year
ICBC stated in the "Announcement on Give full play to the role of major banks, increase investment and financing, and efficiently serve the real economy" that it highlights the political and people-oriented nature of financial work, plays the role of major banks as pillars, and actively plays the total amount, structure, rhythm and pricing management functions of investment and financing. Through loans, bond investment, and new stock transfers, more than 5 trillion yuan of investment and financing were issued to the real economy in the first three quarters, helping to stabilize the economic market , and the adaptability, competitiveness and inclusiveness of financial services have been significantly improved.
In terms of maintaining the rapid growth of new investment and financing, ICBC stated that the bank efficiently transmits macro-policy , introduces a series of measures and policy tools, increases resource allocation and credit issuance, and maintains rapid growth of total credit. At the end of September 2022, the bank's domestic RMB loan balance increased by 2.2 trillion yuan compared with the end of the previous year, maintaining its peers' leadership, an increase of 457.3 billion yuan year-on-year.
In terms of credit structure, ICBC stated that in terms of serving major projects, it focuses on five key areas such as infrastructure fund investment projects, transportation, water conservancy and energy network infrastructure, and marketing of key projects in the "14th Five-Year Plan", and the loan balance in the infrastructure field increased by more than 640 billion yuan compared with the end of last year. In terms of serving manufacturing and green development, we optimize the corporate credit layout with new manufacturing, new services, new foundations and high-tech customer bases as the focus. The balance and incremental balance of manufacturing and green loans are both ranked first in the market. The balance of manufacturing loans increased by more than 810 billion yuan from the end of the previous year, an increase of 37.5%; green loans increased by about 950 billion yuan from the beginning of the year, an increase of 34.0%. In terms of serving scientific and technological innovation, the balance of loans for strategic emerging industries exceeded 1.6 trillion yuan, an increase of 59.2%. In terms of serving inclusive finance, we will promote the development of digital inclusive finance , and the balance of inclusive loans has increased by more than 410 billion yuan compared with the end of last year, an increase of 37.6%. In terms of serving rural revitalization, the balance of agricultural loans exceeded 3.2 trillion yuan, an increase of nearly 600 billion yuan, an increase of 22.6%.
CCB: As of the end of September, RMB loans increased by 2.1 trillion yuan compared with the end of the previous year
CCB stated in the "Announcement on Accelerating Credit Input to Accurate Service to the Real Economy" that as of the end of September 2022, CCB's RMB loans exceeded 20 trillion yuan, an increase of RMB 2.1 trillion yuan compared with the end of the previous year, an increase of nearly 520 billion yuan year-on-year.
Structurally, CCB inclusive financial loans were nearly 2.3 trillion yuan, an increase of nearly 420 billion yuan from the end of the previous year, an increase of 22%, which widely benefited small and micro enterprises, individual industrial and commercial households, agricultural customers and other inclusive financial groups; RMB 2.2 trillion yuan invested in manufacturing, an increase of 540 billion yuan from the end of the previous year, an increase of 32%, serving economic transformation and upgrading and high-quality development of manufacturing industry; loan balances in infrastructure industry are 5.66 trillion yuan, an increase of nearly 580 billion yuan from the end of the previous year, supporting the construction of national infrastructure and people's livelihood projects; green loans are nearly 2.6 trillion yuan, an increase of 630 billion yuan from the end of the previous year, an increase of 32%, helping the low-carbon transformation of the economy and society. The balance of personal housing loans is 6.5 trillion yuan, an increase of 110 billion yuan from the end of last year, which strongly supports residents' rigid and improved housing needs; it plans to invest RMB 30 billion to establish a housing rental fund to explore a new model of real estate development that combines rental and purchase.
Agricultural Bank of China: In the first three quarters, the bank added 2.2 trillion yuan loans to various RMB 3
In the announcement, the bank stated that in the first three quarters of 2022, the bank's financial fundamentals were generally stable, the asset scale achieved rapid growth, asset quality continued to improve, and core financial indicators such as income and profit made new progress, and the value creation ability was steadily improved.
Agricultural Bank of China said that in the first three quarters of 2022, the bank thoroughly implemented the three major strategies of "agriculture, rural areas and farmers", green finance, and digital operations, and continued to increase its efforts to serve the real economy, and new loans hit a record high in the same period. Strengthen financial services for rural revitalization, make every effort to provide credit in key areas such as food security, stable production and supply of agricultural products, rural industries, and rural construction, and increase new loans in counties exceed 900 billion yuan. Increase financial support for manufacturing, infrastructure construction, science and technology enterprises, private enterprises, inclusive small and micro enterprises, etc., effectively meet the financing needs of various market entities, help stabilize the economic market, and add 2.2 trillion yuan of RMB loans.
Bank of China: Customer loans increased by 1.69 trillion yuan compared with the beginning of the year
Bank of China stated in the "Announcement on Supporting the Stabilization and Long-term Development of the Real Economy" that it issued 42 support measures in 8 aspects, and the effectiveness of serving the real economy was revealed, and the total loan volume achieved good growth. At the end of the third quarter, customer loans increased by 1.69 trillion yuan compared with the beginning of the year, reaching 17.41 trillion yuan, an increase of 10.78%. Continue to increase financing support for key areas, improve credit approval and investment efficiency, and support trapped entities to provide relief. At the end of the third quarter, the credit balance of science and technology finance exceeded 1 trillion yuan, an increase of more than 16% from the beginning of the year, green credit increased by about 36%, inclusive loans increased by about 35%, private enterprise loans increased by about 18%, and domestic manufacturing loans increased by about 18%. In terms of cross-border business, the Bank of China stated that in the first three quarters of this year, the bank's domestic institutions handled international settlement business of approximately US$2.6 trillion, and its market share firmly ranked first among its peers. Actively play the role of the main channel bank of RMB cross-border settlement and provide comprehensive product and service support. The bank's domestic institutions handle cross-border RMB settlement exceeds 7.6 trillion yuan, an increase of more than 20% year-on-year, continuing to maintain its leading industry advantage.
Bank of Communications: Domestic RMB loans increased by 644.4 billion compared with the end of last year
Bank of Communications stated in the "Announcement on Serving the New Development Pattern and Promoting High-Quality Development" that the bank's total financing volume exceeded 800 billion yuan in the first nine months of this year. Among them, domestic RMB loans increased by 644.4 billion yuan from the end of the previous year, an increase of 10.63%, an increase of 95 billion yuan year-on-year; strategic emerging industry loans, medium- and long-term manufacturing loans, and inclusive small and micro enterprise loans maintained rapid growth, all exceeding the overall growth of domestic RMB loans. Comprehensively serve regional coordinated development. In the first nine months, the proportion of incremental loans in Beijing, Tianjin and Hebei, , Yangtze River Delta , and Guangdong-Hong Kong-Macao Greater Bay Area increased by more than 60%.In terms of customer investment, we are committed to accelerating the innovation and iteration of consumer loan products through 's digital transformation to , and meet the needs of individual customers in scenarios such as food, clothing, housing, transportation and medical care. As of the end of September, the balance of personal consumer loans increased by 45.18% compared with the end of the previous year.
Postal Savings Bank: The increase in customer loans in the first three quarters hit a record high in the same period in the same period in the same period in the first three quarters
Postal Savings Bank said that in the first three quarters, the total amount of customer loans of the bank exceeded 7 trillion yuan, an increase of more than 10% from the end of the previous year, and the increase reached a record high in the same period in the same period in the past three quarters; the total amount of customer deposits exceeded 12 trillion yuan, an increase of more than 8% from the end of the previous year. Core financial indicators such as income and profit have achieved new progress, and the income structure is optimized, operating efficiency is improved, and asset quality continues to maintain an excellent level.
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