澳门金管局：3月居民存款环比上升1.3% 贷款则环比减少0.4%

Monetary Supply - The broad money supply M2 in Macau increased by 1.3% month-on-month to 810.6 billion MOP as of March 2025, with M1 and quasi-monetary liabilities contributing to this growth [1][2] - M1 decreased by 1.8% in circulation but saw a rise of 10.5% in demand deposits, resulting in a month-on-month increase of 6.8% [2] - Year-on-year comparisons show M1 and M2 rising by 11.3% and 8.8% respectively [2] Deposits - Resident deposits rose by 1.3% to 789 billion MOP, while non-resident deposits increased by 9.1% to 360.1 billion MOP [3] - Total deposits in the banking system increased by 3.1% month-on-month to 1,360.2 billion MOP, with the composition of deposits being 19.1% MOP, 47.2% HKD, 7.8% RMB, and 24.0% USD [3] Loans - Local private sector loans decreased by 0.4% to 511.3 billion MOP, with specific sectors like transportation and hospitality seeing slight increases, while wholesale, retail, and construction sectors experienced declines [4] - Total private sector loans fell by 1.9% month-on-month to 1,024.2 billion MOP, with the currency composition being 21.9% MOP, 43.4% HKD, 11.6% RMB, and 20.3% USD [4] Operating Ratios - As of March 2025, the loan-to-deposit ratio for local residents decreased to 51.1% from 51.9% in February, while the overall loan-to-deposit ratio, including non-residents, fell to 75.3% from 79.1% [5] - The ratio of liquid assets to liabilities stood at 69.5% for one month and 56.6% for three months, with a non-performing loan ratio remaining stable at 5.5% [5]