银行支行贷款业务经营情况分析报告.pdf

银行支行贷款业务经营情况分析报告

XXXXXXoftheloanbusinessinabankbranch。IntheXX

year。thebranch'XXX。withthetotalloanbalancereachingXXn
yuan。anincreaseofXnyuanfromtheusyear。Thebranchhad

XXXcorporatecreditcustomerswithbalances。anincreaseofXX

fromtheusyear。andXXXXpersonalloancustomerswith
balances。withXXXnewloancustomersaddedthisyear。The

branchactivelyimplementedthecreditstructureadjustmentwork

oftheprovincialbranch。adjustingtheloancustomerstructure。
industrystructure。termstructure。andproductstructure。among

otheraspects。However。duetotheimpactofinterestratecuts

andloanstructureadjustments。thebranch'XXX.

1.Basicanalysisofloanbusiness

1)XXX

Thebalanceofcorporateloanswas11.435nyuan。an

increaseof383nyuanfromthebeginningoftheyear。ofwhich

puresmallenterpriseloansincreasedby137nyuan。XXX196%
ofXXXbranch。Thebalance。increasedby0.43percentage
pointsfromthebeginningoftheyear。Thebalanceofpersonal
loanswas1.862nyuan。anincreaseof242nyuanfromthe

beginningoftheyear。XXX115%ofXXXbranch。Thebalance。

increasedby0.03XXXpointsfromthebeginningoftheyear.

Table1:XXX

Unit:10,000yuan
ProjectBalanceRanking

RankingXXX

XXXusloans
Corporateloans

Including:XXX

PersonalXXX
Including:personalhousingloans

XXX
1,329,747

1,143,503

58,842

186,244
164,922
21,322
7

6

5
10

10

8

2
0.00%

0.05%

0.43%

0.03%

0.14%

0.30%
62,457
38,303
13,721

24,153

27,556
3,403

10

10
3

10

9
11

2)Loanmarketshare
Themarketshareofusloansinthefourmajorbankshas

increasedcontinuouslyinthepasttwoyears。AttheendofXX。

themarketshareofthefourmajorbankswas1.41%。anincrease

of0.31percentagepointsfrom2011.However。theadjustmentof

creditcardloanaccountsfromtheheadofficetothebranch

accountingbyBankofChinaindirectlyaffectedthebranch's
personalloanbusiness。leadingtoadecreaseinthemarketshare
ofusloansinthefourmajorbanksinXX.

Figure1:Marketshareofusloansinthefourmajorbanks
since2011

3)Loanstructure
1.Termstructure

InXX。thebalanceofmediumandlong-termloansinthe

branchwas90.99nyuan。anincreaseof11.87nyuanfrom