On the evening of October 16, the six major state-owned banks of ICBC, ABC, Bank of China, China Construction Bank, Bank of Communications and Postal Savings Bank all issued announcements, disclosing their support for the real economy this year and the issuance of credit in the first three quarters.
According to the data disclosed in the announcement, in the first three quarters of this year, the RMB loans of the six major state-owned banks increased by over 9.5 trillion yuan, of which the balance of domestic RMB loans of ICBC increased by 2.2 trillion yuan, the RMB loans of CCB increased by 2.1 trillion yuan, and the loans to customers of Bank of China increased by 1.69 billion yuan. ABC's new RMB loans increased by 2.2 trillion yuan, Bank of Communications' domestic RMB loans increased by 644.4 billion yuan, and Postal Savings Bank's total customer loans increased by 697.77 billion yuan.
ICBC: The balance of domestic RMB loans increased by 2.2 trillion yuan over the end of the previous year
ICBC stated in the "Announcement on Leveraging the Pillar Role of a Large Bank to Increase Investment and Financing to Efficiently Serve the Real Economy" that it will actively exert the management functions of investment and financing volume, structure, rhythm and pricing, and increase investment and financing through loans, bond investment, and stock displacement. In the first three quarters, more than 5 trillion yuan of new investment and financing was released for the real economy.
ICBC said that it will efficiently transmit macro policies, introduce a series of measures and policy tools, increase resource allocation and credit issuance, and maintain rapid growth in total credit.
At the end of September 2022, the bank's domestic RMB loan balance had a net increase of 2.2 trillion yuan over the end of the previous year, maintaining the leading position in the industry, with a year-on-year increase of 457.3 billion yuan.
In terms of serving major projects, ICBC closely focused on five key areas such as infrastructure fund investment projects supporting financing, transportation, water conservancy and energy network infrastructure and the marketing of key projects in the “14th Five-Year Plan” plan. The balance of loans in the infrastructure sector increased by more than 6,400 yuan over the end of the previous year. billion.
At the same time, it optimized the corporate credit layout focusing on new manufacturing, new services, new foundations and high-tech customers. The balance and increment of manufacturing and green loans ranked first in the market.
The balance of manufacturing loans increased by more than 810 billion yuan, or 37.5%, compared with the end of the previous year; green loans increased by about 950 billion yuan, or 34.0%, compared with the beginning of the year.
In terms of serving technological innovation, the balance of loans to strategic emerging industries exceeded 1.6 trillion yuan, an increase of 59.2%.
In terms of serving inclusive finance, we promoted the development of digital inclusive finance, and the balance of inclusive loans increased by over 410 billion yuan or 37.6% over the end of the previous year.
In terms of serving rural revitalization, the balance of agriculture-related loans exceeded 3.2 trillion yuan, an increase of nearly 600 billion yuan or 22.6%.
CCB: As of the end of September, RMB loans increased by 2.1 trillion yuan from the end of the previous year
CCB's "Announcement on Accelerating Credit Delivery to Accurately Serve the Real Economy" stated that since 2022, through measures such as improving the operation and management mechanism and establishing a special class for credit delivery, it will focus on key areas and weak links of the national economy, and increase credit delivery. We have made positive efforts to support epidemic prevention and control and economic and social development in a proactive and precise manner.
As of the end of September 2022, CCB’s RMB loans were nearly 20 trillion yuan, an increase of 2.1 trillion yuan from the end of the previous year, and an increase of nearly 520 billion yuan year-on-year.
As of the end of September 2022, CCB's RMB loans reached nearly 20 trillion yuan, an increase of 2.1 trillion yuan from the end of the previous year, and an increase of nearly 520 billion yuan year-on-year.
The resource allocation structure was further optimized.
Inclusive finance loans were nearly RMB 2.3 trillion, an increase of nearly RMB 420 billion, or 22%, over the end of the previous year; loans to the manufacturing industry were RMB 2.2 trillion, an increase of RMB 540 billion, or 32%, over the end of the previous year. Economic transformation and upgrading and high-quality development of the manufacturing industry; the balance of loans in the infrastructure industry sector was RMB 5.66 trillion, an increase of nearly RMB 580 billion over the end of the previous year, supporting the construction of national infrastructure and people's livelihood projects; green loans were nearly RMB 2.6 trillion, Compared with the end of the previous year, it increased by RMB 630 billion, an increase of 32%, and contributed to the low-carbon transformation of the economy and society.
The balance of personal housing loans was RMB 6.5 trillion, an increase of RMB 110 billion over the end of the previous year, which strongly supported residents' rigid and improved housing needs.
Agricultural Bank: New RMB loans of 2.2 trillion in the first three quarters
The Agricultural Bank of China stated in the announcement that in the first three quarters of 2022, the bank’s financial fundamentals were generally stable, with rapid growth in asset size, continuous improvement in asset quality, new progress in core financial indicators such as revenue and profit, and steady improvement in value creation capabilities. .
The bank deeply implemented the three strategies of "Sannong" county area, green finance and digital operation, and continued to increase its efforts to serve the real economy, with new loans hitting a record high in the same period.
We strengthened financial services for rural revitalization, and made every effort to provide credit in key areas such as food security, stable production and supply of agricultural products, rural industries, and rural construction. New loans in the county area exceeded 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 players, help stabilize the overall economic market, and add 22,000 yuan in various loans billion.
Bank of China: Customer loans increased by 1.69 trillion yuan from the beginning of the year
The Bank of China stated in the "Announcement on Supporting the Steady and Long-term Development of the Real Economy" that it will take multiple measures to fully implement the requirements of stabilizing the economy, continue to promote the strategic development pattern with domestic commercial banks as the main body and globalization as the two wings, and adhere to the principle of technology, The "eight major financial" key areas of green, inclusive, cross-border, consumption, wealth, supply chain and county areas are the focus points to promote the recovery and stabilization of the economic market and achieve healthy development.
The Bank of China said that it took the initiative to connect with the national economic stabilization policy, formulated and implemented action plans to support the real economy, and issued 42 support measures in 8 areas. The results of serving the real economy have shown good results, and the total loan volume has achieved good growth. At the end of the third quarter, customer loans were more than At the beginning of the year, it increased by 1.69 trillion yuan to 17.41 trillion yuan, an increase of 10.78%.
Continue to increase financing support for key areas, improve the efficiency of credit approval and issuance, and support the rescue of distressed entities. At the end of the third quarter, the balance of technology finance credit exceeded 1 trillion yuan, an increase of more than 16% compared with the beginning of the year, and 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 the first three quarters of this year, the bank’s domestic institutions handled about 2.6 trillion US dollars in international settlement business, ranking first in the industry in terms of market share; domestic institutions handled cross-border RMB settlements exceeding 7.6 trillion yuan, an increase of more than 20% year-on-year, continuing to maintain its leading edge in the industry .
Bank of Communications: Domestic RMB loans increased by 644.4 billion yuan over the end of the previous year
Bank of Communications stated in the "Announcement on Serving New Development Patterns and Promoting High-quality Development" that since the beginning of this year and the first nine months of this year, the bank's total financing has exceeded 800 billion yuan.
Among them, domestic RMB loans increased by 644.4 billion yuan, an increase of 10.63%, and an increase of 95 billion yuan year-on-year; strategic emerging industry loans, manufacturing medium and long-term loans, and inclusive small and micro enterprise loans maintained rapid growth. The growth rate exceeded the overall growth rate of domestic RMB loans.
In the first nine months, the Bank has fully served the coordinated development of the region. The incremental loans in the Beijing-Tianjin-Hebei region, the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater Bay Area accounted for more than 60% of the total.
Customer investment is up, and it is committed to accelerating the innovation and iteration of consumer loan products through digital transformation to meet the needs of individual customers in scenarios such as food, clothing, housing, and medical care. As of the end of September, the balance of personal consumption loans increased by 45.18% over the end of the previous year.
As of the end of September, Bank of Communications' domestic green credit focused on supporting green transportation, green buildings, construction and operation of clean energy facilities, and efficient operation of energy systems. The balance of green credit exceeded 600 billion yuan, an increase of more than 25% over the end of the previous year.
At the end of September, the number of customers of inclusive small and micro enterprises with loan balances increased rapidly compared with the end of the previous year; the loans to "specialized, specialized, and new" small and medium-sized enterprises increased by 42.61% compared with the end of the previous year, and the number of technology finance credit customers increased by 35.62% compared with the end of the previous year.
At the end of September, the personal financial assets (AUM, excluding the market value of customer securities) managed by domestic banks exceeded 4.5 trillion yuan, an increase of 7.22% over the end of the previous year.
Postal Savings: Total customer loans increased by 697.77 billion yuan over the end of the previous year
Postal Savings Bank disclosed in the "Announcement on Serving the Real Economy and Promoting Characteristic and High-quality Development" that as of the end of the third quarter, the bank's total customer loans reached 7.15 trillion yuan, an increase of 697.770 billion yuan or 10.81% over the end of the previous year. An increase of 42.675 billion yuan year-on-year, a record high for the same period in history; among which, the balance of agriculture-related loans was 1.77 trillion yuan, an increase of 152.377 billion yuan compared with the end of the previous year, and the balance of personal small loans was 1.13 trillion yuan, an increase of 210.505 billion yuan compared with the end of the previous year. .
Postal Savings Bank said that since the beginning of this year, it has accelerated the pace of construction of ecological finance, industrial finance, collaborative finance, green finance and technological finance, accelerated digital transformation, made efforts to build a digital ecological bank serving rural revitalization, and further promoted the high-quality development of "three rural" financial services. .
Text/Coordinator Cheng Jie, our reporter/Chi Haibo