Structural changes in banks' Q3 reports: corporate loans take the lead, key sectors accelerate

The disclosure of the third-quarter reports of A-share listed banks has concluded, and the "report card" for loan deployment in the first three quarters has been revealed. Wind data shows that as of the end of September, 39 listed banks achieved positive growth in total loans compared with the end of the previous year, with more than 20 of them growing by more than 5%. More noteworthy than the overall growth is the change in loan structure: the growth of personal loans has slowed, and corporate loans have become the main engine driving overall loan growth. At the same time, the characteristics of credit "slowing down and improving quality" are gradually emerging, and banks are accelerating the shift from scale expansion to balanced development of volume, price, and risk.