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The Three Major State-Owned Banks Have Outflow Deposits Of Nearly 285 Billion &Nbsp, And Five Major Loans Have Risen.

2011/10/31 9:00:00 15

Three Bank Deposits Nearly 285 Billion Deposit To Loan Ratio

Future debt management is more difficult.

China, agriculture, industry, construction, and the five major lines of business this year, the three quarter results were reported one after another.

Baked

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From the published data, there are five lines.

Loan-to-deposit ratio

All of them increased from the first half of the year, with an average increase of 2 percentage points.

It is worth mentioning that the three quarter of China, agriculture and construction had negative growth in the third quarter compared with the first half of the year. The initial calculation showed that the outflow of deposits was nearly 285 billion yuan.

Industry analysts believe that, despite the third quarter, state-owned banks continue to reduce the size of loans, but the phenomenon of loss of deposits increased, coupled with high deposits.

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As well as the scope of the reserve to be extended, the pressure of debt management will further increase in the future.

The bank's third quarter results show that as of September 30th, the five banks' loan to deposit ratios have increased slightly.

Among them, the Agricultural Bank loan to deposit ratio was 56.55%, an increase of 1.08 percentage points compared with the first half; the ICBC loan to deposit ratio was 62.66%, an increase of 1.46 percentage points compared with the first half; the Construction Bank's loan to deposit ratio was 65.14%, a 3.07 percentage point increase compared with the first half of the year, and the deposit to loan ratio of the bank was 72.81%, up 2.2 percentage points from the first half of the year.

Not long ago, the central bank statistics showed that at the end of the three quarter of 2011, the balance of loans of all financial institutions was RMB 52 trillion and 910 billion yuan.

From the balance of deposits shown in the three quarter performance report, the total deposits of the five largest banks in the three quarter were about 42 trillion and 700 billion yuan.

In the first three quarters of this year, the balance of savings of ICBC and bank was 12 trillion and 144 billion 232 million yuan and 3 trillion and 163 billion 528 million yuan respectively, representing an increase of 97 billion 94 million yuan and 5 billion 553 million yuan respectively in the first half of the year.

But in addition to these two lines, it is worth noting that the three rows of China, agriculture and construction have negative growth in the third quarter.

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Three quarterly data show that the Bank of China Group has a deposit of 7 trillion and 970 billion 846 million yuan, a decrease of 125 billion 595 million yuan compared with the first half of the year, and a 9 trillion and 735 billion 580 million yuan deposit from the Construction Bank Group, a decrease of 156 billion 528 million yuan compared with the first half of the year.

Even with the number of branches and outlets ranking first in the country, the balance of customer deposits in the first three quarters decreased by 2 billion 760 million yuan compared to the first half of this year, which was 9 trillion and 703 billion 827 million yuan.

This means that in the third quarter, the amount of outgoing deposits of large state-owned banks amounted to 284 billion 883 million yuan.

"In fact, the central bank statistics show that the growth rate of M 2 has further decreased to 13%, which has already indicated that the pressure on banks to hold deposits has increased."

Qiu Zhicheng, a banking analyst at Guoxin Securities, believes that "the loss of deposits limits the growth of bank loan scale, which has led to a slowdown in the growth of bank loans. Although the performance of banks is still raising interest rates this year, the pressure on bank performance growth will continue to appear in the medium and long term."

The statistics released by the central bank also showed that the financial institutions in the first three quarters of this year increased by 5 trillion and 680 billion yuan. According to the third quarter performance report of the banks, the gross amount of new loans in the five quarters was 2 trillion and 870 billion yuan in the three quarter.

According to the general practice, the rhythm of commercial banks' annual credit delivery is basically 3: 3: 2: 2, so banks can reduce the credit scale in the third quarter.

However, according to the bank's three quarter performance report, the most obvious compression of credit is the Bank of China, which added 587 billion 707 million yuan in the first three quarters of this year. Since the new loans in the first quarter and the second quarter were more than 250 billion yuan in the single quarter, the Bank of China broke the brakes in the third quarter, the new loans were only 31 billion 800 million yuan, and the loan increments decreased by 108 billion 915 million yuan compared with the second quarter.

In addition, the other four big banks also reduced the amount of credit, and the bank added 103 billion 549 million yuan in the third quarter, and the new loans of ICBC in the third quarter were 264 billion 960 million yuan; the CCB third new loans in the third quarter were 201 billion 250 million yuan; the new loans in the third quarter of the bank were 74 billion 527 million yuan.

By the end of the third quarter, the balance of the five state-owned banks was 6 trillion and 248 billion 328 million yuan, 5 trillion and 487 billion 462 million yuan for the Agricultural Bank, 7 trillion and 599 billion 40 million yuan for ICBC, 6 trillion and 341 billion 637 million yuan for Construction Bank and 2 trillion and 507 billion 583 million yuan for bank pactions.