全球贷款提供商市场前景及投资研究报告-培训课件外文版2024.5

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MARKETSLoanprovidersworldwideCHAPTER

01EuropeAnnualrevenueofEurope'slargestbanksin2022(inbillioneuros)AnnualrevenueofleadingEuropeanbanks2022InbillioneurosBancoSantanderBNPParibas52.1250.42HSBCHoldingsCréditAgricoleGroupUBSAG48.237.6832.22BarclaysPLC28.1528.06SociétéGénéraleDeutscheBankGroupBPCE27.225.71IntesaSanpaoloLloydsBankingGroupUniCreditS.p.AINGGroup21.4720.5420.3418.5617.34CréditMutuelGroupNatWestGroup14.514Description:TheSpanishbankBancoSantanderledtherankingofannualrevenuesofaselectionofEurope'slargestbanksin2022.BancoSantanderhadrevenuesofaround52.12billioneurosin2022,closelyfollowedbyBNPParibas,withrevenuesofaround48.2billioneuros.Revenue,whichisalsosometimesdisplayedasincome,salesorearningsdisplaysistheamountofmoneyacompanyreceivesduringaspecificperiodthroughthesaleofgoodsandinthecaseofbanks,services.

ReadmoreNote(s):Europe;2022Source(s):Varioussources(annualreports)LoansandadvancestocustomersofBancoSantanderworldwidefrom2021to2022,byregionanddigitalbank(inbillioneuros)LoansandadvancestocustomersofBancoSantanderworldwide2021-2022,byregion20212022300250200150100500UnitedKingdomSpainPortugalPolandOtherEuropeUnitedStatesMexicoOtherNorthAmericaBrazilChileArgentinaOtherSouthAmericaDigitalConsumerBank5Description:BancoSantanderhadmostofitsloansandadvancestocustomersworldwideinSpainandtheUnitedKingdom(UK)asof2022.Atover261billioneuros,thevalueofloansgrantedbytheSpanishbankintheUKwashigherthaninitshomecountry.ThethirdlargestsegmentintherankingwasSantander'sDigitalConsumerBank.MostoftheloansgrantedbyBarclayswereintheUK.ReadmoreNote(s):Worldwide;2021to2022Source(s):BancoSantanderGrossvalueofloansandadvancesofBNPParibasworldwidefrom2018to2022,byrecipient(inbillioneuros)LoansandadvancesbyBNPParibas2018-2022,bytypeTocreditinstitutionsTocustomers1,0009008007006005004003002001000201820192020202120226Description:ThevalueofloansandadvancestocustomersofBNPParibasworldwideamountedto875billioneurosasofthe31stofDecember2022.Meanwhile,theloanstocreditinstitutionsexceeded32billioneurosthatyear.Over25billioneurosofBNPParibasloanstocustomerswereinthethirdimpairmentstage.ReadmoreNote(s):Worldwide;2018to2022;Valueatamortisedcost.Source(s):BNPParibasNetloansandadvancestocustomersofHSBCHoldingsplcworldwidefrom2014to2021,byregion(inbillionU.S.dollars)LoansandadvancestocustomersofHSBCworldwide2014-2021,byregionEuropeAsiaMENANorthAmericaLatinAmerica1,2001,0008006004002000201420152016201720182019202020217Description:Asof2021,mostoftheloansgrantedbyHSBCHoldingsplcwereinEuropeandAsia.TheloansoftheLondon-basedinternationalbankinAsiaamountedtonearly493billionU.S.dollars,ahighervaluethaninEurope.HSBC,foundedin1865intheBritishcolonyofHongKong,wasamongthelargestbanksworldwidebythevalueoftheirassets.ReadmoreNote(s):Worldwide;2014to2021Source(s):HSBCValueofgrossloansofCréditAgricoleinFrancefrom2012to2016(inbillionseuros)CréditAgricole:valueofgrossloansFrance2012-2016500460.9456434.545040035030025020015010050428.7411.2020122013*2014201520168Description:ThisstatisticillustratesthevalueofgrossloansforCréditAgricoleinFrancefrom2012to2016,withdataasofthe31stDecemberofeachyear.Itcanbeseenthatthevalueofgrossloansincreasedbetween2013and2016,reachingavalueof456billioneurosasofthe31stDecember2016.Althoughthiswasthecase,thehighestvalueofgrossloansforCréditAgricolewasfoundin2012,whenavalueofalmost461billioneuroswasreported.

ReadmoreNote(s):France;2012to2016;*Restatedforequity-accountingofentitiesunderproportionatemethodin2013(IFRS10and11)andentitiesreclassifiedunderIFRS5.ReadmoreSource(s):CréditAgricoleValueofloansandadvancesofUBSGroupAGworldwidefrom2018to2022,byrecipient(inbillionU.S.dollars)LoansandadvancesofUBSGroupAG2018-2022,bytypeTocreditinstitutionsTocustomers450400350300250200150100500201820192020202120229Description:TheglobalvalueofloansandadvancesofUBStoitscustomersamountedtoroughly387billioneurosasofthe31stofDecember2022.Meanwhile,theloanstootherbanksreached14billioneurosthatyear.LessthantwobillionU.S.dollarsworthofcustomerloansbyUBSwerecreditimpaired.ReadmoreNote(s):Worldwide;2018to2022;Figuresfor31stofDecemberofeachyear.Source(s):UBSLoansandadvancesbyBarclaysPLCworldwidein2021,byregion(inbillionGBP)LoansandadvancesbyBarclaysworldwide2021,byregionUnitedKingdomAmericasEuropeAsiaAfricaandMiddleEast5004504003503002502001501005002014201520162017201820192020202110Description:In2021,overhalfoftheloansandadvancesgrantedworldwidebyBarclaysPLCwereintheUnitedKingdom.IncomparisontotheUK,thepresenceoftheLondon-basedbankintherestoftheworldwasmuchsmaller.MostofthelendingprovidedbyBarclayswasintheformofhomeloans.ReadmoreNote(s):Worldwide;2014to2021Source(s):BarclaysValueofcustomerloansfromSociétéGénéraleatamortisedcostworldwidefrom2013to2022(inbillioneuros)ValueofcustomerloansfromSociétéGénéraleatamortisedcostworldwide2013-2022550506.5497.2500450.2448.8447.2450400350300426.5425.2405.3370.42014332.720132015201620172018201920202021202211Description:ThetotalvalueofcustomerloansforSociétéGénéraleatamortizedcostreachedoverhalfatrillioneurosin2022.Thevalueofcustomerloansisanimportantmeasureofabank'sperformance,ahighertotalvalueofcustomerloansimpliesmorebusinessforthebank.Assuchcustomerloanisakeyassetinthebalancesheetofabankinginstitution.ReadmoreNote(s):Worldwide;2013to2022Source(s):SociétéGénéraleValueofcustomerloansfromSociétéGénéraleworldwidein2022,bytype(inbillioneuros)ValueofcustomerloansfromSociétéGénéraleworldwide2022,bytypeValueinbillioneuros40

60-2002080100120140160180HousingloansShort-termloans152.28146.27Equipmentloans70.29Otherloans54.09LeasefinancingagreementsOverdrafts29.529.24Exportloans13.8SecuritiespurchasedunderresaleagreementsTradenotes10.167.554.050.25RelatedreceivablesLoanssecuredbynotesandsecuritiesRevaluationofhedgeditems-0.32Creditlossimpairment

-10.6312Description:Housingandshort-termloansamountedtooverhalfofallcustomerloansprovidedbySociétéGénéralein2022.Whilethevalueofhousingloansreached152billioneurosthatyear,equipmentloans,thethirdentryintheranking,werevaluedat70billioneuros.Duringthepastdecade,thecustomerloansofSociétéGénéralehaveincreasedsignificantly.ReadmoreNote(s):Worldwide;2022Source(s):SociétéGénéraleValueofloansbyDeutscheBankatamortizedcostfrom2016to2022,byregion(inbillioneuros)ValueofloansbyDeutscheBank2016-2022,byregionEuropeNorthAmericaAsia/PacificOtherregions6005004003002001000201620172018201920202021202213Description:MostoftheloansbyDeutscheBankin2022wereprovidedinEuropeancountries.Nevertheless,thevalueofloansbytheGermanbankinNorthAmericahasbeenincreasingatafastpace,reachingroughly102billioneurosin2022.TheindustrysectorstowhichDeutscheBankwasmostexposedwerethefinancialandinsurancesectors,aswellashouseholds.ReadmoreNote(s):Worldwide;2016to2022;Figuresasofthe31stofDecemberofeachyear.Source(s):DeutscheBankCHAPTER

02NorthAmericaLargestcommercialbanksintheUnitedStatesin2022,byrevenue(inbillionU.S.dollars)LeadingcommercialbanksintheU.S.2022,byrevenueRevenueinbillionU.S.dollars600204080100120140J.P.MorganChaseBankofAmericaCorp.WellsFargo128.794.9578.79Citigroup75.3MorganStanleyTDBank53.6749.03GoldmanSachsGroupCapitalOne47.3734.25U.S.Bancorp24.3TruistBank23.1815Description:In2022,J.P.MorganChasewasthecommercialbankwiththehighestrevenueintheUnitedStates,withatotalrevenueof128.7billionU.S.dollars.BankofAmericaandWellsFargofollowed,with94.95and78.79billionU.S.dollars,respectively.ThesethreebankswerealsothelargestbanksintermsoftotalassetsintheUnitedStatesthatyear.ReadmoreNote(s):UnitedStates;AsofDecember31,2022Source(s):Varioussources(annualreports)RevenueofthelargestbanksinCanadafrom2015to2022(inbillionCanadiandollars)RevenueoflargestbanksinCanada2015-2022RoyalBankofCandaToronto-DominionBankBankofNovaScotiaBankofMontrealCanadianImperialBankofCommerce60504030201002015201620172018201920202021202216Description:TherevenueofthefivelargestCanadianbanksincreasedsteadilyduringtheperiodfrom2015to2022Toronto-DominionBank(TDBank)hadthehighesttotalrevenuesofthebanks,reachingavalueof49billionCanadiandollarsin2022.RoyalBankofCanada(RBC)followed,withcloseto49billionCanadiandollarsinrevenuein2022,whichwasaslightdecreasecomparedtothepreviousyear.ReadmoreNote(s):Canada;2015to2022;AsofOctober31eachyearSource(s):BankofMontreal;CanadianImperialBankofCommerce;RoyalBankofCanada;Scotiabank;TDBankLoanbalanceofJPMorganChaseworldwidefrom2009to2022,bytypeoflending(inbillionU.S.dollars)LoanbalanceofJPMorganChaseworldwide2009-2022,bytypeWholesaleConsumer,excludingcreditcardCreditcard1,2001,00080060040020002009201020112012201320142015201620172018201920202021202217Description:WholesalelendingmadeupoverhalfofthegloballoanbalanceofJPMorganChasein2022.Thatyear,theloanportfoliooftheNewYorkbankwasvaluedat1.14trillionU.S.dollars,ofwhich185billionU.S.dollarswerefromcreditcards.In2022,thetotalloanbalanceofJPMorganChasewasoverfivetimeshigherthanin2003.ReadmoreNote(s):Worldwide;2009to2022Source(s):JPMorganChaseValueofcommercialandconsumerloansandleasesoutstandingbyBankofAmericaworldwidefrom2013to2022(inbillionU.S.dollars)GlobalcommercialandconsumerloansoutstandingbyBankofAmerica2013-2022ConsumerloansandleasesCommercialloansandleases1,2001,0008006004002000589.36396.28517.66543.42481.47499.66387.53440.81458.53499.07531.952013488.572014456.172015457.372016*455.282017447.232018465.772019456.392022428.82020435.7202118Description:OverhalfoftheglobaloutstandingloansandleasesbytheBankofAmericain2022wereinthecommercialsegment.Meanwhile,consumerloansandleasesamountedto456billionU.S.dollarsthatyear.Thatratiohaschangedalotinthepastdecade,asconsumerloansmadeupthemajorityoftheoutstandinglendingbetween2013and2015.U.S.commerciallendingandresidentialmortgageswerethelargestsegmentsoftheoutstandinglendingbyBankofAmericain2022.

ReadmoreNote(s):Worldwide;2013to2022;Figuresasofthelastdayofeachyear.;*In2016,thefiguresdonotinclude9.21billionU.S.dollarsworthofcommercialloansofbusinessheldforsale.

ReadmoreSource(s):BankofAmericaValueofloansoutstandingbyWellsFargoworldwidefrom2016to2022(inbillionU.S.dollars)LoansoutstandingbyWellsFargoworldwide2016-2022975955935915895875855201620172018201920202021202219Description:In2022,WellsFargohadnearly930billionU.S.dollarsinoutstandingloans.Theglobaloutstandingloansofthebank,whichhasitsheadquartersinSanFrancisco,havefluctuatedsignificantlyinthepastyears.Infact,WellsFargohadmoreloansoutstandingin2017thanin2022.Despitethatfall,WellsFargostillwasthebankwiththethirdlargestconsumerloansportfoliointheU.S.ReadmoreNote(s):Worldwide;2016to2022;Thefiguresaretheaveragevalueforthewholeyear.Source(s):WellsFargoValueofloansoutstandingbyWellsFargoworldwidein2022,bytype(inbillionU.S.dollars)LoansoutstandingbyWellsFargoworldwide2022,bytype450386.840035030025020015010050269.1155.853.746.329.314.90CommercialandindustrialResidentialmortgageCommercialrealestateAutoloansCreditcardOtherconsumerloansLeasefinancing20Description:In2022,mostoftheloansoutstandingbyWellsFargowerecommercialandindustrialloans.Residentialmortgagesandcommercialrealestateloanswerethesecondandthirdlargestsegments,respectively.WellsFargowasthebankwiththethirdlargestconsumerloanportfoliointheU.S.in2022,afterJPMorganChaseandBankofAmerica.ReadmoreNote(s):Worldwide;2022;Figuresasofthelastdayoftheyear.Source(s):WellsFargoValueofoutstandingloansbyCitigroupworldwidefrom2018to2022,bytypeandregion(inbillionU.S.dollars)OutstandingloansbyCitigroupworldwide2018-2022,bytypeandregionConsumerloansinNorthAmericaCommercialloansinNorthAmericaConsumerloansoutsideNorthAmericaCommercialloansoutsideNorthAmerica800700170.36005004003002001000168.3161.5156.5147.779.1126.4128.2116.3131.5112.8134.7125141.5127.9289268274.52019261.52020263.720212018202221Description:OverhalfoftheglobaloutstandingloansbyCitigroupin2022wereconsumerloans.Meanwhile,commercialloansamountedtonearly300billionU.S.dollarsthatyear.CitigrouphasitsheadquartersinNewYorkand,therefore,mostofitsoutstandingloanswereintheU.S.andCanada.Nevertheless,italsohadasignificantamountofloansoutstandingoutsideNorthAmerica,reachingavalueof285billionU.S.dollarsin2021.ReadmoreNote(s):Worldwide;2018to2022;Figuresasofthelastdayofeachyear.Source(s):CitigroupValueofloansinthebalancesheetofbyToronto-DominionBankworldwidefrom2010to2022,bytype(inbillionCanadiandollars)LoansinthebalancesheetofToronto-DominionBankworldwide2010-2022,bytypeBusinessandgovernmentResidentialmortgagesConsumerinstalmentandotherpersonalCreditcardDebtsecuritiesclassifiedasloans9008007006005004003002001000201020112012201320142015201620172018201920202021202222Description:OverhalfoftheglobaloutstandingloansinthebalancesheetofTDBankin2022wereconsumerloans,suchasmortgages,creditcards,andotherpersonalloans.Meanwhile,loanstobusinessesandgovernmentsamountedtoover301billionCanadiandollarsthatyear.AlthoughToronto-DominionBankhasitsheadquartersinCanada,itwasamongthebankswiththelargestconsumerloanportfoliosintheU.S.ReadmoreNote(s):Worldwide;2010to2022;FiguresasofOctober31stofeachyear.Source(s):TDBankValueofloansportfolioofRoyalBankofCanadaworldwidefrom2018to2022,bytype(inbillionCanadiandollars)ValueofloansofRoyalBankofCanadaworldwide2018-2022,bytypeResidentialmortgagesWholesalePersonalloansCreditcardsSmallbusinessloans90080070060050040030020010002018201920202021202223Description:ResidentialmortgagesamountedtooverhalfofthegloballoanportfoliooftheRoyalBankofCanada(RBC)in2022.Meanwhile,wholesaleloansoftheRBCwerevaluedat272.5billionCanadiandollarsthatyear.ThevalueoftheloansbytheToronto-DominionBankwasslightlyhigherthanfortheRoyalBankofCanada.ReadmoreNote(s):Worldwide;2018to2022;FiguresasofOctober31stofeachyear.Source(s):RoyalBankofCanadaValueofoutstandingloansbyScotiabankworldwidefrom2016to2022,bytype(inbillionCanadiandollars)OutstandingloansbyScotiabankworldwide2016-2022,bytypeResidentialmortgagesBusinessandgovernmentloansPersonalloansCreditcards8007006005004003002001000201620172018201920202021202224Description:ResidentialmortgageswerethelargestsegmentofoutstandingloansbyScotiabankin2022,amountingto349billionCanadiandollars.Meanwhile,businessandgovernmentloansbytheCanadianbankwerevaluedat287billionCanadiandollars.TDBankhadalargerloanportfolioin2022thanScotiabank.ReadmoreNote(s):Worldwide;2016to2022;FiguresasofOctober31stofeachyear.Source(s):ScotiabankCHAPTER

03LatinAmericaLargestbanksinLatinAmericain2022,byꢀtotalassets(inbillionU.S.dollars)LargestbanksinLatinAmerica2022,bytotalassetsTotalassetsinbillionU.S.dollars050100150200250300350400450500ItaúUnibanco(Brazil)BancodoBrasil(Brazil)439.5379.78BancoBradesco(Brazil)340.41CaixaEconômicaFederal(Brazil)BancoSantander(Brazil)300.63186.41GrupoFinancieroBBVA(Mexico)GrupoFinancieroBanorte(Mexico)BancodeCréditoeInversiones(Chile)BancoSantanderMexico(Mexico)BancoSantander-Chile(Chile)BancoBTGPactual(Brazil)158.31106.1298.192.9787.7486.2484.5GrupoFinancieroCitibanamex(Mexico)Bancolombia(Colombia)72.79BancodeChile(Chile)BancodelEstadodeChile(Chile)69.3667.226Description:ThefivelargestbanksbasedontotalassetsinLatinAmericawereallBrazilianbanksin2022.ItaúUnibancoledtheranking,withtotalassetsexceeding439billionU.S.dollars.BancodoBrasilandBancoBradescofollowed,with379.8and340.4billionU.S.dollarsworthofassets,respectively.Thelargestnon-BrazilianbankinLatinAmericawastheMexicanGrupoFinancieroBBVA,withtotalassetsof158.31billionU.S.dollars.ReadmoreNote(s):2022Source(s):S&PGlobalCreditportfolioofItaúUnibancoworldwidefrom2015to2022,bysegment(inbillionBrazilianreals)CreditportfolioofItaúUnibancoworldwide2015-2022,bysegmentIndividualsVerysmall,smallandmiddlemarketCorporateLatinAmerica1,2001,00080060040020002015201620172018201920202021202227Description:ThecreditportfolioofItaúUnibancoin2022amountedto1.14trillionBrazilianreals.Thosefigureshavebeenincreasingsince2016,whentheoutstandingloansofItaúwerevaluedat584billionBrazilianreals.In2022,loansbytheBrazilianbankinothercountriesinLatinAmericaamountedto223billionBrazilianreals.In2023,ItaúledtherankingofthemostvaluablebankingbrandsinLatinAmerica.ReadmoreNote(s):Brazil;2015to2022Source(s):ItaúUnibancoLoanportfolioofBancodoBrasilworldwidefrom2019to2022,bytype(inbillionBrazilianreals)LoanportfolioofBancodoBrasilworldwide2019-2022,bytypeLoanstocompaniesLoanstoindividualsLoansabroadLoanstoagrobusiness1,2001,0008006004002000201920202021202228Description:ThevalueofloanstoagriculturalbusinessesintheportfolioofBancodoBrasilreachednearly310billionBrazilianrealsin2022.BancodoBrasil'sloanportfoliowasworthoveronetrillionBrazilianreals.Thelargestsegmentwasloanstocompanies,whichincludedbothsmallandmediumenterprises,aswellaslargebusinesses.In2022,BancodoBrasilwasoneofthelargestbanksinLatinAmericabyrevenue.

ReadmoreNote(s):Worldwide;2019to2022;FiguresasofDecemberofeachyear.Source(s):BancodoBrasilLoanportfolioofBancoBradescoworldwidefrom2019to2022,bytype(inbillionBrazilianreals)LoanportfolioofBancoBradescoworldwide2019-2022,bytypeLoanstoindividualsLoanstosmallbusinessesLoanstobigbusinesses1,0009008007006005004003002001000201920202021202229Description:ThebusinessloansbyBancoBradescomadeupoverhalfofitsglobalportfolioin2022.Meanwhile,theBrazilianbank,whichhasitsheadquartersinthestateofSãoPaulohad361billionBrazilianrealsworthofpersonalloansinitsportfolio.BancoBradescowasoneofthelargestbanksinLatinAmericaintermsofrevenuein2022.ReadmoreNote(s):Worldwide;2019to2022Source(s):BancoBradescoLoanportfolioofCaixaEconômicaFederalworldwidefrom2005to2023(inbillionBrazilianreals)LoanportfolioofCaixaEconômicaFederalworldwide2005-20231,2001,00080060040020002005

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2023*30Description:In2023,theloanportfolioofCaixaEconômicaFederalwasvaluedatoveronetrillionBrazilianreals.CaixaisownedbytheBraziliangovernmentanditisheadquarteredinBrasilia.Duringthepastdecades,theamountofloansprovidedbythefinancialservicescompanyhassoared.Between2008and2021,thevalueofitsloansincreasedtenfold.CaixawasoneofthelargestbanksinLatinAmericaintermsofassetsin2021.

ReadmoreNote(s):Worldwide;2005to2023Source(s):CaixaNetvalueofloanportfolioandfinancialleasingbyGrupoBancolombiaworldwidefrom2014to2022(intrillionColombianpesos)LoanandleasingportfolioofGrupoBancolombiaworldwide2014-20223002502001501005020142015201620172018201920202021202231Description:In2022,theloansandleasesintheportfolioofGrupoBancolombiawerevaluedat254trillionColombianpesos.Thosefiguresweretwiceashighasin2014.AlthoughtheColombianbankhasitsheadquartersinMedellín,itisalsoactiveinothercountriesintheregion,whichexplainswhyitwasoneofthelargestbanksinLatinAmericaintermsofrevenuein2022.ReadmoreNote(s):Worldwide;2014to2022Source(s):GrupoBancolombiaValueofloanbalancesofBancodeCréditoeInversionesworldwidefrom2008to2022(intrillionChileanpesos)LoansbyBancodeCréditoeInversionesworldwide2008-2022CommercialloansMortgageloansConsumerloans5045403530252015105020082009201020112012201320142015201620172018201920202021202232Description:In2022,commercialandinterbanklendingmadeupmostoftheloansofBancodeCréditoeInversiones.ThemortgagelendingbytheChileanbankamountedto12.9trillionChileanpesos,whileconsumerlendingwasvaluedat3.5trillionChileanpesos.Thatyear,theBancodeCréditoeInversioneswasoneofthelargestbanksinChileintermsofassets.ReadmoreNote(s):Worldwide;2008to2022Source(s):BancodeCréditoeInversionesValueofloanportfolioofGrupoFinancieroBanorteworldwidefrom2002to2022(inbillionMexicanpesos)LoanportfolioofGrupoFinancieroBanorteworldwide2002-20221,00090080070060050040030020010002002

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202233Description:In2022,theloanportfolioofBanortewasvaluedat930billionMexicanpesos.Thosefiguresweretwiceashighastheywereadecadeearlier.TheloansintheportfolioofBanorteamountedto439billionMexicanpesosin2013.BanorteisaMexicanbankthathasitsheadquartersinSanPedroGarzaGarcía,inthestateofNuevoLeón.ReadmoreNote(s):Worldwide;2002to2022;In2022,theBankadoptednewaccountingrules,whichreducesthecomparabilityofthefiguresbeforeandafter2022.Source(s):BanorteCHAPTER

04Asia-PacificLargestbanksintheAsia-PacificregionasofDecember2022,byassets(inbillionU.S.dollars)LargestbanksinAPAC2022,byassetsTotalassetsinbillionU.S.dollars1,000

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3,00004,0005,0006,0007,000Industrial&CommercialBankofChinaLtd.(China)ChinaConstructionBankCorporation(China)AgriculturalBankofChinaLtd.(China)BankofChinaLtd.(China)5,7435,0174,9194,192MitsubishiUFJFinancialGroupInc.(Japan)PostalSavingsBankofChinaLtd.(China)SumitomoMitsuiFinancialGroupInc.(Japan)MizuhoFinancialGroupInc.(Japan)BankofCommunicationsCo.Ltd.(China)JapanPostBankCo.,Ltd.(Japan)2,9682,0402,0071,9091,8841,7201,4701,3441,239ChinaMerchantsBankCo.Ltd.(China)IndustrialBankCo.Ltd.(China)ChinaCiticBankCorp.Ltd.(China)35Description:MostofthelargestbanksintheAsia-Pacificregionintermsofassetsin2022hadtheirheadquartersinChina.TheIndustrialandCommercialBankofChina(ICBC)andChinaConstructionBankCorporationwereatthetopoftherankingwithoverfivetrillionU.S.dollarsinassets.Japan'sMitsubishiUFJFinancialGroupwasalsooneofthefivebanksintheregionwiththehighestassetsvolume.ReadmoreNote(s):APAC;December2022Source(s):S&PGlobalValueofloansbytheIndustrialandCommercialBankofChinafrom2011to2022,bysegment(inbillionyuan)TotalloansoftheIndustrialandCommercialBankofChina2011-2022,bytypeCorporateloansDiscountedbillsResidentialmortgagesPersonalconsumptionloansPersonalbusinessloansCreditcardoverdrafts25,00020,00015,00010,0005,000020112012201320142015201620172018201920202021202236Description:CorporateloansmadeupoverhalfofthelendingprovidedbytheIndustrialandCommercialBankofChina(ICBC)in2022.Thesecondlargestsegmentwasresidentialmortgages,valuedat6.43billionyuan.TheoverallloanportfoliooftheICBChasbeenincreasingatafastpaceinthepastyears,growingfrom7.8billionyuanin2011to23billionyuanin2022.ReadmoreNote(s):China;2011to2022Source(s):IndustrialandCommercialBankofChinaGrossloansandadvancestocustomersoftheChinaConstructionBankfrom2015to2022,bysegment(inbillionyuan)GrossloansandadvancesoftheChinaConstructionBank2015-2022,bytypeCorporateloansandadvancesPersonalconsumerloansDiscountedbillsResidentialmortgagesPersonalbusinessloansOverseasoperationsandsubsidiariesCreditcardloansOtherloansAccruedinterest25,00020,00015,00010,0005,00002015201620172018201920202021202237Description:NearlyhalfofthegrossloansandadvancesoftheChinaConstructionBankin2022wereprovidedtobusinesses.Thatyear,mortgageswerethesecondlargestsegmentoftheChinesebank.Overall,thelendingprovidedbytheChinaConstructionBankdoubledbetween2015and2022,reachingavalueof21trillionyuanthatyear.ReadmoreNote(s):China;2015to2022Source(s):ChinaConstructi