2024.0402

Number of words in this article:2789, reading time is about 5 minutes

introduction： 六大行房地产对公贷款增速有所回落。

** Author| ** First Finance Qi Ning

In 2023, large state-owned banks will continue to maintain high deposit and loan growth, while non-performing ratios will continue to improve. In the credit field, one of the industries that the industry focuses on is real estate, including changes in bank support for the real estate sector, as well as changes in asset quality and risks therein.
According to data, last year, the growth rate of real estate loans to corporate loans of the six major banks declined, with a total increase of approximately 253.5 billion yuan, a decrease of approximately 74.7 billion yuan from the increase of the previous year (328.2 billion yuan). The non-performing ratios of the three major banks rose and three improved; in terms of personal housing loans, after a decrease of 173.8 billion yuan in the first half of last year, the mortgage business shrank continuously in the second half of the year, with a decrease of more than 550 billion yuan throughout the year, and the non-performing ratios of four deteriorated and two improved.

Deposit and loan expansion slowed down slightly, and real estate increased by about 75 billion yuan year-on-year

去年，六大行中，有五家大行贷款总额保持了双位数增长。截至去年年末，六大行贷款总额突破百万亿元达到108.63万亿元，新增规模约为12.4万亿元。

不过，据广发证券测算，相比去年前三季度，银行业四季度存贷扩张已有放缓。21家已披露年报的上市银行，在生息资产增速整体回升的情况下，信贷增速较去年三季度末下降0.2个百分点至11.5%，贷款增量占比较前三季度回落10个百分点至57.6%，或主要受到去年信贷前置而政府债发行后置导致。其中，国有大行贷款余额占比环比下降0.9个百分点。
从贷款增量来看，对公贷款仍是主要支撑。