银行支行贷款业务经营情况分析报告

银行支行贷款业务经营情况分析报告
XXX XXX of the loan business in a bank branch。

In the XX year。

the branch'XXX。

with the total loan balance reaching XX n yuan。

an increase of X n yuan from the us year。

The branch had XXX corporate credit customers with balances。

an increase of XX from the us year。

and XXXX personal loan customers with balances。

with XXX new loan customers added this year。

The branch actively implemented the credit structure adjustment work of the provincial branch。

adjusting the loan customer structure。

industry structure。

term structure。

and product structure。

among other aspects。

However。

due to the impact of interest rate cuts and loan structure adjustments。

the branch'XXX.
1.Basic analysis of loan business
1) XXX
The balance of corporate loans was 11.435 n yuan。

an increase of 383 n yuan from the beginning of the year。

of which pure small enterprise loans increased by 137 n yuan。

XXX 196% of XXX branch。

The balance。

increased by 0.43 percentage
points from the beginning of the year。

The balance of personal loans was 1.862 n yuan。

an increase of 242 n yuan from the beginning of the year。

XXX 115% of XXX branch。

The balance。

increased by 0.03 XXX points from the beginning of the year.
Table 1: XXX
Unit: 10,000 yuan
Project Balance Ranking
Ranking XXX
XXX us loans
Corporate loans
Including: XXX
Personal XXX
Including: personal housing loans
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) Loan market share
The market share of us loans in the four major banks has increased continuously in the past two years。

At the end of XX。

the market share of the four major banks was 1.41%。

an increase of 0.31 percentage points from 2011.However。

the adjustment of credit card loan accounts from the head office to the branch accounting by Bank of China indirectly affected the branch's
personal loan business。

leading to a decrease in the market share of us loans in the four major banks in XX.
Figure 1: Market share of us loans in the four major banks since 2011
3) Loan structure
1.Term structure
In XX。

the balance of medium and long-term loans in the branch was 90.99 n yuan。

an increase of 11.87 n yuan from the beginning of the year。

accounting for 68.4% of the balance。

an increase of 6.7 percentage points from the us year。

The balance of short-term loans was 37.38 n yuan。

a decrease of 7.74 n yuan from the beginning of the year。

and the balance。

decreased by 7.5 percentage points from the us year.
Table 2: Loan structure by term
Unit: XXX
Project Short-term loans Corporate loans Personal loans Medium-term loans Corporate loans Personal loans Medium-and
long-term loans Corporate loans Personal loans Balance 37.38
36.95 0.43 4.30 4.30
In XX year。

the main corporate loans of the branch were
fixed asset loans (including real XXX)。

accounting for 62.25%。

which increased by 6.38% compared to the beginning of the year。

The n of working capital loans was 11.59%。

which decreased by 2.88% compared to the beginning of the year。

This was due to the increasing trend of working capital loan risks this year。

The decrease in the XXX financing loans。

XXX 4.29%。

which decreased by 16.59% compared to the beginning of the year。

This was mainly due to the impact of the "Euro Loan" product。

which could not be renewed and was settled one after another during the year。

The n of export commercial invoice financing increased by 13.19%。

accounting for 15.6% compared to the beginning of the year。

This was mainly due to favorable market prices。

XXX.
The branch'XXX。

accounting for 79.11%。

which increased by 5.07% compared to the beginning of the year。

Personal XXX 10.27%。

which decreased by 1.04% compared to the beginning of the year.
In XX year。

the n of "large and above" corporate customers' loan balances was 81.05%。

which decreased by 2.37% compared
to the us year。

The n of "small and medium-sized and below" corporate customers' loans was 6.44%。

which increased by 0.35% compared to the us year。

The n of "medium-sized" corporate customers' loans was 12.51%。

which increased by 2.02% compared to the us year。

The customer structure has improved.
The branch added 772 new personal loan customers this year。

of which 604 were for personal housing loans。

accounting for
78.23%。

and 168 were for personal n loans。

accounting for
21.77%.
At the end of XX year。

the n of XXX industries。

which mainly focused on short-term financing。

was 8.96%。

which decreased by 0.44% compared to the beginning of the year。

The XXX。

electricity。

investment。

and asset management industries。

which mainly focused on medium and long-term loans。

was
58.52%。

which increased by 5.33% compared to the beginning of
the year。

The XXX was due to the same trend as the change in product structure.
Regarding loan yield。

the overall loan yield of the branch was 5.45%。

which decreased by 0.26 XXX points compared to the beginning of the year。

This was due to the two XXX interest rate last year。

The branch's loan yield was slightly better than that of the Guangzhou n (which decreased by 0.39 percentage points).
The interest rate for corporate loans is 5.7%。

ranking 13th in the Guangzhou area。

a decrease of 0.27 percentage points compared to the beginning of the year (a decrease of 0.46 percentage points in the Guangzhou area)。

the interest rate for personal loans is 5.90%。

ranking 10th in the Guangzhou area。

a decrease of 0.18 percentage points compared to the beginning of the year (a decrease of 0.10 XXX points in the Guangzhou area).
Table 3 shows the XXX。

The interest rate for corporate loans is 5.37%。

ranking 131st。

a decrease of 0.27 percentage points compared to the beginning of the year。

The interest rate for personal loans is 5.90%。

ranking 10th。

a decrease of 0.18
percentage points compared to the beginning of the year。

The XXX is a decrease of 0.46 XXX points in the Guangzhou area.
Due to the adjustment of interest rates by the central bank。

the trend of loan XXX。

as shown in Figure 2.the interest rate for corporate loans in the XX branch is below the average level of the provincial and Guangzhou areas。

and lower than the level in 2011.
In XX year。

the branch issued a total of RMB 4.11 n in new loans。

including RMB 3.465 n in corporate loans and RMB 0.646 n in personal loans。

Among corporate loans。

loans with a lower interest rate accounted for 5.38% of the total loan amount (a 3-year working capital loan of RMB 186.5 n from A company)。

XXX 72.3% of the total loan amount。

and loans with a higher interest rate accounted for 22.32% of the total loan amount。

The loans with a higher interest rate were all issued to small and medium-sized enterprise customers。

with interest rates ranging from 10% to 30%。

Among personal loans。

the weighted interest rate and XXX range were lower than the average level in the Guangzhou area.
Table 4 shows the XXX of new RMB loans。

The interest rate for corporate loans is 6.41%。

ranking 7th。

with a decrease of
0.57 percentage points compared to the beginning of the year。

The interest rate for personal loans is 6.47%。

ranking 10th。

with
a decrease of 0.10 XXX points compared to the beginning of the year.
3) XXX.
2019年，贷款利息收入达到6.89亿元，较去年增长了
7,335万元，增幅为12%。

其中，单位贷款利息收入为5.83亿元，贷款收益率为5.37%，比去年下降了0.25个百分点。

除
农业流动资金贷款收益率实现正增长外，其他贷款收益率均为负增长，尤其是信托收据贷款、保理预付款以及商业流动资金贷款收益率比去年末下跌幅度较大。

个人贷款实现利息收入
1.06亿元，贷款收益率为5.90%，较去年下降了0.18个百分点。

贷款利息收入结构如表5所示。

其中，单位贷款利息收入占总利息收入的84.6%，个人贷款利息收入占15.4%。

在单位
贷款中，流动资金贷款是最主要的来源，占比为61%。

个人
贷款中，个人住房贷款利息收入最高，占比为11%。

在贷款收益率方面，本期平均收益率为5.45%，较上年末
下降了0.25个百分点。

其中，个人贷款收益率为5.90%，下
降了0.18个百分点，单位贷款收益率为5.37%，下降了0.25
个百分点。

各种类型的单位贷款中，流动资金贷款的收益率最高，为7.48%。

个人贷款中，个人商业用房贷款的收益率最高，为7.41%。

在贷款业务方面，我们需要重点关注以下问题：
一）贷款结构不合理，流动性较差，存贷款增长严重不匹配。

我们发现，XX年支行对公人民币非贴贷款周转率低于省
分行和广州地区平均水平，贷款固化相对较重。

对公贷款相对集中在以中长期贷款为主的交通运输、电力、投资与资产管理等客户上，贷款结构仍不合理，流动性较差。

这直接影响了我们分行信贷衍生中间业务收入以及考核利润的可持续增长。

因此，我们需要加大信贷结构调整力度，大力拓展信贷客户。

二）贷款收益率低，影响支行存贷利差系统内排名落后。

由于2012年连续两次降息的影响，广州地区整体存贷利差呈
现下降趋势。

XX年支行存贷利差比广州地区平均水平低0.11
个百分点，广州地区排名第12.贷款收益率低于广州地区平均
水平是造成存贷利差排名靠后的主要原因。

因此，我们需要采取措施提高贷款收益率，以提高支行存贷利差系统内排名。

基于以上问题，我们提出以下下阶段工作建议：
一）加大信贷客户拓展力度，优化贷款结构，提高流动性。

二）采取措施提高贷款收益率，以提高支行存贷利差系统内排名。

首先，我们要高度重视信贷客户拓展工作。

为此，支行部门牵头开展重点客户高管人员营销，并抓住信息源头，全面梳理核心企业、集团客户、政府机构、事业单位、第三方支付机构等重点客户名单，批量拓展其上下游单位客户。

同时，依托网点，全面动员，开展竞赛活动，推进对优质中小型对公客户拓展工作，促进客户数量与质量的快速增长。

其次，我们要积极推进信贷结构调整，以降低资本占用、提高资产流动性和经营效益为目标。

在满足信贷政策、筑牢基础、防范风险的前提下，尽可能提高小微企业贷款占比。

重点支持小企业、善融商务贷款、网络银行、供应链融资、贸易融资等业务发展，稳健发展个人消费和助业贷款，巩固个人住房贷款同业优势。

通过这些措施，我们可以实现信贷结构的优化和经营效益的提升。