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透视13家上市银行一季报:加码对公业务 科技、绿色等领域贷款增速显著
Zheng Quan Ri Bao·2025-05-06 16:40

Core Viewpoint - The A-share listed banks have shown robust growth in corporate loans in the first quarter of 2025, with significant contributions from major state-owned banks and national joint-stock banks, supporting high-quality economic development [1][6]. Group 1: Corporate Loan Growth - As of the end of the first quarter, 13 listed banks reported a steady increase in corporate loans compared to the end of the previous year, with Postal Savings Bank leading state-owned banks with nearly 10% growth [1]. - China Construction Bank's corporate loans grew by 8.16% to 15.61 trillion yuan, significantly outpacing the overall loan growth of 4.73% [2]. - Postal Savings Bank's total customer loans reached 9.36 trillion yuan, increasing by 4.97%, with corporate loans growing by 9.92% [3]. Group 2: Sector-Specific Loan Performance - China Construction Bank reported double-digit growth in loans for strategic emerging industries, green finance, and digital economy, with strategic emerging industry loans reaching 3.34 trillion yuan, up 17.14% [2]. - Ping An Bank's corporate loans (excluding discounts) increased by 10.46%, with a total loan amount of 5.87 trillion yuan [3]. - Shanghai Pudong Development Bank's corporate loans grew by 8.03%, with technology finance loans increasing by 13.25% [4]. Group 3: Focus on Key Areas - The 13 listed banks are focusing their lending efforts on key areas outlined in the financial "Five Major Articles," with significant growth in loans to strategic emerging industries and private enterprises [5]. - China CITIC Bank has diversified its corporate loan portfolio, with a total corporate loan balance exceeding 2 trillion yuan in key regions such as the Beijing-Tianjin-Hebei area and the Yangtze River Delta [5]. - Industrial Bank has increased its support for green finance and technology finance, with respective growth rates of 9.37% and 9.90% [5]. Group 4: Strategic Adjustments and Risk Management - Shanghai Pudong Development Bank is optimizing its business structure while enhancing risk management capabilities, focusing on supporting private enterprises and technology innovation [6]. - The banking sector is expected to align with policy directions to support high-quality economic development, with state-owned banks playing a crucial role in lending to key sectors [6].