Looking at credit issuance from the bank's annual report: the total volume has been increased and the structure has been optimized, and the six major banks have released credit resources through multiple channels to serve the real economy

  Editor's note:

  The annual report of a listed company is a barometer of the economy. As an important chain supplying blood to the real economy, the annual report of listed banks has a huge amount of information, which not only reveals the pulse of the macro economy, but also reflects the changes in the code of people's livelihood and wealth. The newly released 2021 annual report of the bank What signals are released?

How will it affect your wallet and mine?

From today, Yangcheng Evening News will launch a series of reports on "Bank Annual Report "Wealth Knowing", which will take you through the bank's annual report and understand the "way of wealth" related to wealth passwords.

  Yangcheng Evening News reporter Dai Manman Hu Yan

  The annual report data looks at the economy, and the financial support for the real economy is solid.

A reporter from the Yangcheng Evening News combed through the latest 2021 annual report data of the six major state-owned banks, including Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Postal Savings Bank of China, and Bank of Communications, and found that the six major banks released credit resources through multiple channels, and the total amount of loans increased. larger growth.

As of the end of 2021, the total loans issued by the six major banks reached 85.21 trillion yuan, with a growth rate of 11.7%.

The increase in loans of many state-owned banks reached a new high in the same period, and the total new loans of the six banks were about 8.96 trillion yuan, a record high.

From a structural point of view, the pertinence and effectiveness of credit support for the real economy has been enhanced. Specifically, in key areas, the annual report shows that the six major banks have significantly increased credit support in key areas of economic transformation and upgrading.

  The scale, revenue and profit of the six major banks all hit new highs

  In 2021, the six major state-owned banks, including Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, Bank of China, Postal Savings Bank, and Bank of Communications, will achieve a combined operating income of 3.68 trillion yuan, net profit attributable to the parent of 1.27 trillion yuan, and net profit of 1.27 trillion yuan. The growth rates were all double-digits.

The asset scale, revenue and profit levels of the six major state-owned banks have all hit record highs.

  The increase in loans to support the real economy hit a new high in the same period

  Judging from the credit data, the six major state-owned banks released credit resources through multiple channels, insisting on the return of finance to the source to serve the real economy.

The annual report shows that in 2021, the new loans of the six major banks will be 8.96 trillion yuan, and the increase in loans of many banks will reach a new high.

  ICBC's annual report shows that its domestic RMB loans will increase by 2.12 trillion yuan in 2021, an increase of 243.3 billion yuan year-on-year, and the increase will hit a new high for the same period; the loan balance of Agricultural Bank of China is 17.2 trillion yuan, an increase of 2 trillion yuan over the end of the previous year. The new credit extension reached a record high; the domestic and foreign currency loans of Bank of China increased by 1.45 trillion yuan, the increment reached a new high in the past ten years; the balance of Bank of Communications loans was 6.56 trillion yuan, an increase of 0.71 trillion yuan or 12.17% over the end of the previous year. the highest level in recent years.

  Key areas, multi-blood transfusion manufacturing, etc. are supported

  In terms of structure, the support of the six major banks to the real economy is mainly reflected in the rapid growth and increased proportion of corporate loans and medium and long-term loans, especially in key areas such as manufacturing, inclusive small and micro enterprises, and green environmental protection. , and continue to increase resource investment in key areas such as "two new and one heavy", advanced manufacturing, and specialized and special new "little giant" enterprises.

  According to the annual report of China Construction Bank, loans and advances to be issued in 2021 will increase by 1.94 trillion yuan or 11.95% over the previous year. Among them, loans to the infrastructure industry will increase by 733.108 billion yuan, medium and long-term loans to manufacturing industries will increase by 151.993 billion yuan, and loans to private enterprises will increase. 438.749 billion yuan.

  As of the end of 2021, the balance of corporate loans of the Postal Savings Bank of China was 2.25 trillion yuan, an increase of 13.96% over the end of the previous year; medium and long-term loans in the manufacturing industry increased by 42.72%; more than 1,000 national-level specialized, specialized, and new "little giant" enterprises were served; private enterprises The proportion of new loans granted increased by 4.70 percentage points.

ICBC's loans to manufacturing increased by 319.7 billion yuan, of which medium and long-term loans increased by 242.7 billion yuan.

  Inclusive Finance Incremental Cost Reduction, Many Banks Lending Breaking Trillion

  In terms of inclusive finance, the balance of inclusive finance loans of the six major state-owned banks all increased compared with the end of the previous year. Among them, Bank of China and ICBC grew by more than 50%, leading the six major banks.

Judging from the balance of inclusive finance loans, China Construction Bank, Agricultural Bank and Industrial and Commercial Bank of China all exceeded the 1 trillion mark.

  Chen Siqing, chairman of ICBC, said in his speech in the annual report: "ICBC insists on 'the greatest of the country'".

As of the end of 2021, the Bank had 1,099.012 billion yuan of inclusive loans to small and micro enterprises, an increase of 378.448 billion yuan or 52.5% from the beginning of the year; 795,000 inclusive small and micro enterprise loan customers, an increase of 204,000 from the beginning of the year.

  As of the end of 2021, the balance of CCB's inclusive finance loans was 1.87 trillion yuan, an increase of 31.6% over the end of the previous year; there were 1,936,700 inclusive finance loan customers, an increase of 241,200 over the end of the previous year. The corporate loan interest rate was 4.16%, a year-on-year decrease of 0.2 percentage points.

  It is worth noting that during the annual report season, many banks looked forward to their plans for 2022 through announcements or performance conferences.

Among them, Liu Jin, President of Bank of China, said that in terms of the annual credit plan, firstly, the scale should maintain a steady growth and build a new development pattern, and continue to expand the scale of new loans. %.

Second, the structure continued to be optimized.

From the perspective of the industry, BOC will continue to increase its support for small and micro enterprises, technological innovation, green development and other key areas, and reasonably control the credit issuance of "two highs and one surplus".

According to the preliminary plan, an additional 300 billion yuan in inclusive finance loans will be added in 2022, maintaining the same incremental level as last year.

  Green finance becomes a bright spot

  Strengthening the implementation of the concept of green development and promoting the green transformation of the real economy, green finance has also become a bright spot in the annual reports of the six major banks.

By the end of 2021, the green loan balance of the six major banks was 6.24 trillion yuan, and the growth rate of green credit of Bank of China reached 57%, leading the six major banks. The largest green loan balance is still the Industrial and Commercial Bank of China, reaching 2.48 trillion yuan.

  By the end of 2021, the balance of ICBC's loans to green industries was 2.48 trillion yuan, an increase of 34.4% over the previous year.

The balance of CCB green loans was 1.96 trillion yuan, an increase of 35.61% over the previous year.

The green credit balance of Bank of China exceeded 1.4 trillion yuan, and the loan growth rate was about 57%.

The balance of ABC's green credit reached 1.98 trillion yuan, an increase of 462.9 billion yuan from the beginning of the year and a 30% increase from the previous year.

The balance of green loans of Bank of Communications was 476.763 billion yuan, an increase of 31.37% over the previous year. The balance of green loans of Postal Savings Bank was 372.294 billion yuan, an increase of 32.52% over the previous year.

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