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德勤:去年底境內銀行不良貸款率1.23% 較年初降0.16個百分點
德勤發表報告指,2021年底境內銀行不良貸款餘額1.36萬億元人民幣(下同),較年初增加66億元,不良貸款率1.23%,較年初下降0.16個百分點。 去年10間銀行房地產業貸款平均增速6.62%,較2020年增速15.47%下降。除了郵儲銀行(01658.HK)和交通銀行(03328.HK),餘下8間商業銀行的房地產行業不良貸款和不良貸款率均有上升,整體房地產額不良貸款率由2020年底的1.95%上升至2021年底的2.81%。 德勤表示,近年來金融供給側結構性改革不斷深入,銀行業資產擴張速度放緩,在第四季底,銀行業金融機構總資產按年增長8%,商業銀行不良貸款率按季下降0.02個百分點,較2020年底下降0.11個百分點。2021年第四季,4,398間銀行業金融機構中,4,082家機構評級處於安全邊界內,佔銀行業總資產約70%的24間大型銀行評級一直優良。 報告由德勤中國金融服務業研究中心發佈,以境內10家商業銀行爲樣本,對標6家境外系統重要性銀行,系統分析了中國上市銀行的盈利能力、資產狀況、負債情況和資本實力。
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