Core Insights - The total loan balance in the Yangtze River Delta region reached 76.24 trillion yuan at the end of November, with a year-on-year growth of 8.4%, showing a slight decrease in growth rate compared to the previous month [1] - The total deposit balance in the Yangtze River Delta region was 86.28 trillion yuan at the end of November, reflecting a year-on-year growth of 8.0%, also showing a decline in growth rate from the previous month [1] Loan Analysis - The balance of RMB loans was 75.37 trillion yuan, with a year-on-year growth of 8.5%, which is 0.1 percentage points lower than the previous month [1] - The balance of foreign currency loans was 123.1 billion USD, with a year-on-year growth of 1.7%, showing a decrease of 0.4 percentage points in growth rate compared to the previous month [1] - In November, RMB loans increased by 200.2 billion yuan, which is 12.4 billion yuan less than the same month last year [1] - Household loans decreased by 42 billion yuan, which is a year-on-year increase in reduction of 105.7 billion yuan [1] - Corporate loans increased by 229.5 billion yuan, which is a year-on-year increase of 105.9 billion yuan [1] Deposit Analysis - The balance of RMB deposits was 83.39 trillion yuan, with a year-on-year growth of 7.5%, which is 0.3 percentage points lower than the previous month [1] - The balance of foreign currency deposits was 40.82 billion USD, with a year-on-year growth of 25.2%, showing an increase of 2.5 percentage points in growth rate compared to the previous month [1] - In November, RMB deposits increased by 239.1 billion yuan, which is 180.7 billion yuan less than the same month last year [2] - Household deposits increased by 176 billion yuan, which is a year-on-year increase of 29.1 billion yuan [2] - Non-financial corporate deposits increased by 73 billion yuan, which is a year-on-year decrease of 213.3 billion yuan [2]

Group 1: Loan Data - As of the end of July, the total balance of loans in Shanghai reached 12.79 trillion yuan, with a year-on-year growth of 7.8%, a decrease of 0.6 percentage points from the previous month [1] - The balance of RMB loans was 12.21 trillion yuan, growing by 8.1% year-on-year, also down by 0.6 percentage points from the previous month [1] - Foreign currency loans amounted to 80.1 billion USD, with a year-on-year increase of 1.6%, a decline of 0.5 percentage points from the previous month [1] - In July, RMB loans decreased by 44.8 billion yuan, with a year-on-year reduction of 69 billion yuan [1] - Corporate loans decreased by 748 billion yuan, with short-term loans down by 34 billion yuan and medium to long-term loans down by 40.6 billion yuan [1] Group 2: Deposit Data - By the end of July, the total balance of deposits in Shanghai was 23.07 trillion yuan, with a year-on-year growth of 7.4%, a decrease of 0.1 percentage points from the previous month [2] - The balance of RMB deposits was 21.81 trillion yuan, growing by 7.3% year-on-year, an increase of 0.1 percentage points from the previous month [2] - Foreign currency deposits totaled 176.5 billion USD, with a year-on-year increase of 8.3%, a decline of 4.6 percentage points from the previous month [2] - In July, RMB deposits increased by 216.7 billion yuan, with a year-on-year increase of 42.8 billion yuan [2] - Household deposits decreased by 70.9 billion yuan, with a year-on-year reduction of 50.1 billion yuan [2] Group 3: Non-Financial Enterprises' Deposits - Large-denomination certificates of deposit, margin deposits, and structured deposits for non-financial enterprises increased by 38.2 billion yuan, 26.2 billion yuan, and 6.5 billion yuan respectively, with year-on-year increases of 22.5 billion yuan, 29.5 billion yuan, and 0.7 billion yuan [3] - Time deposits increased by 20.6 billion yuan, with a year-on-year decrease of 53.3 billion yuan [3] - Demand deposits and agreement deposits decreased by 105.1 billion yuan and 51.4 billion yuan respectively, with year-on-year decreases of 4.3 billion yuan and 32.5 billion yuan [3]

Core Insights - In the first half of the year, Hubei Province added 580.8 billion yuan in new loans, ranking second in the central region, with an increase of 106.2 billion yuan year-on-year [1] - By the end of June, the balance of deposits in Hubei Province exceeded 10 trillion yuan, marking a year-on-year growth of 9.3%, making it the 10th province in the country to surpass this threshold [1]