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银行支行贷款业务经营情况分析报告.pdf

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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