Group 1: Loan Data - The total loan balance in the Yangtze River Delta region reached 76.07 trillion yuan at the end of October, with a year-on-year growth of 8.5%, a decrease of 0.1 percentage points from the previous month [1] - The balance of RMB loans was 75.17 trillion yuan, growing by 8.6% year-on-year, also down by 0.1 percentage points from the previous month [1] - Foreign currency loans increased by 2.1% year-on-year, amounting to 127.3 billion USD, with a growth rate up by 4 percentage points from the previous month [1] - In October, RMB loans increased by 26.3 billion yuan, which is 72.1 billion yuan less than the same month last year [1] - Household loans decreased by 128.5 billion yuan, which is a year-on-year decline of 171.2 billion yuan [1] - Corporate loans increased by 103.3 billion yuan, a year-on-year increase of 83.7 billion yuan [1] - Non-bank financial institutions' loans increased by 23 billion yuan, a year-on-year increase of 9 billion yuan [1] - Foreign currency loans increased by 2.3 billion USD, which is a year-on-year increase of 5.1 billion USD [1] Group 2: Deposit Data - The total deposit balance in the Yangtze River Delta region reached 86.02 trillion yuan at the end of October, with a year-on-year growth of 8.2%, maintaining the same growth rate as the previous month [2] - The balance of RMB deposits was 83.15 trillion yuan, growing by 7.8% year-on-year, down by 0.1 percentage points from the previous month [2] - Foreign currency deposits increased by 22.7% year-on-year, amounting to 405.2 billion USD, with a growth rate up by 5 percentage points from the previous month [2] - In October, RMB deposits increased by 40.6 billion yuan, which is 49.8 billion yuan less than the same month last year [2] - Household deposits decreased by 517.4 billion yuan, a year-on-year decline of 328 billion yuan [2] - Non-financial corporate deposits decreased by 255.7 billion yuan, a year-on-year decrease of 21.2 billion yuan [2] - Fiscal deposits increased by 129.6 billion yuan, a year-on-year increase of 10 billion yuan [2] - Non-bank financial institutions' deposits increased by 493.1 billion yuan, a year-on-year increase of 56.7 billion yuan [2] - Foreign currency deposits increased by 9.4 billion USD, a year-on-year increase of 15.4 billion USD [2]

Group 1 - The total balance of domestic and foreign currency loans in Shanghai reached 12.93 trillion yuan at the end of October, with a year-on-year growth of 7.3%, an increase of 0.2 percentage points from the previous month [1] - The balance of RMB loans was 12.31 trillion yuan, growing by 7.1% year-on-year, while foreign currency loans amounted to 865 billion USD, with a year-on-year increase of 11.6% [1] - In October, RMB loans increased by 17.8 billion yuan, with household loans increasing by 0.1 billion yuan and corporate loans decreasing by 7.3 billion yuan [1] Group 2 - In October, RMB financing through corporate bills increased by 8.4 billion yuan, with a year-on-year increase of 7.8 billion yuan [2] - Mergers and acquisitions loans and financing leases also saw increases of 1.2 billion yuan and 0.2 billion yuan respectively, with year-on-year increases of 3.1 billion yuan and 0.9 billion yuan [2] - Trade financing, operational loans, and fixed asset loans decreased by 10 billion yuan, 6.4 billion yuan, and 0.4 billion yuan respectively [2] Group 3 - The total balance of domestic and foreign currency deposits in Shanghai reached 24.08 trillion yuan at the end of October, with a year-on-year growth of 9.1% [3] - RMB deposits increased by 236.6 billion yuan, with household deposits decreasing by 115.8 billion yuan and non-financial corporate deposits decreasing by 19.2 billion yuan [3] - Foreign currency deposits increased by 1.2 billion USD, with a year-on-year increase of 3.9 billion USD [3] Group 4 - In October, RMB personal large-denomination certificates of deposit increased by 8.3 billion yuan, while non-financial corporate margin deposits increased by 50.7 billion yuan [4] - The increase in margin deposits for non-financial enterprises was accompanied by a decrease in current deposits and structured deposits [4] - The overall trend showed a significant increase in large-denomination and fixed-term deposits, while current and structured deposits saw declines [4]

Core Insights - The People's Bank of China (PBOC) and the State Administration of Foreign Exchange (SAFE) held a press conference focusing on the financial statistics of Beijing for Q3 2025, highlighting the implementation of policies and their effectiveness [1] Financial Statistics - In the first three quarters of 2025, the monetary credit in Beijing operated steadily, with various loans growing rapidly and an optimized credit structure, supporting high-quality economic development in the capital [1] - As of the end of September, the total RMB loans in Beijing reached 12.02 trillion yuan, a year-on-year increase of 7.6%, with a growth rate 0.3 percentage points higher than at the end of June [1] - Corporate loans increased by 8.6% year-on-year, maintaining rapid growth throughout the year, while household loans grew by 6.3%, with a steady increase in growth rate compared to June [1] Loan Increment Analysis - In terms of incremental loans, RMB loans increased by 489.6 billion yuan in the first three quarters, which is 178.9 billion yuan more than the same period last year [1] - Corporate loans accounted for 430.3 billion yuan of the total increase, representing 87.9% of the total loan increment, with a year-on-year increase of 279.1 billion yuan [1] - Household loans increased by 101.4 billion yuan, which is 68.6 billion yuan more than the previous year [1]

Group 1: Monetary and Credit Situation in Shanghai - As of the end of August, the total balance of RMB and foreign currency loans in Shanghai reached 12.8 trillion yuan, with a year-on-year growth of 7.1%, which is a decrease of 0.7 percentage points compared to the end of the previous month [1] - The balance of RMB loans was 12.22 trillion yuan, showing a year-on-year increase of 7.3%, down 0.8 percentage points from the previous month; foreign currency loans amounted to 81.5 billion USD, with a year-on-year growth of 3.5%, an increase of 1.9 percentage points from the previous month [1] - In August, RMB loans increased by 4.7 billion yuan, which is 83.9 billion yuan less than the same month last year; household sector loans increased by 17.5 billion yuan, while corporate loans decreased by 14.9 billion yuan [1] Group 2: Deposit Situation in Shanghai - The total balance of RMB and foreign currency deposits in Shanghai reached 23.47 trillion yuan at the end of August, with a year-on-year growth of 8.6%, which is an increase of 1.2 percentage points compared to the previous month [1] - The balance of RMB deposits was 22.2 trillion yuan, reflecting a year-on-year increase of 8.7%, up 1.4 percentage points from the previous month; foreign currency deposits totaled 178.8 billion USD, with a year-on-year growth of 7%, down 1.3 percentage points from the previous month [1] - In August, RMB deposits increased by 392.3 billion yuan, which is 296 billion yuan more than the same month last year; non-financial corporate deposits increased by 94.8 billion yuan, while fiscal deposits decreased by 44 billion yuan [2]