Loans account for a higher proportion of total assets, deposits account for a higher proportion of total assets, and financial investment accounts for a lower proportion of total assets.

1. Loans account for a high proportion of total assets: one of the main businesses of national joint-stock banks is to provide loans to customers, so loans account for a high proportion of total assets.

2. Deposits account for a high proportion of total assets: national joint-stock banks rely on deposits to obtain funds, so deposits account for a high proportion of total assets.

3. The proportion of financial investment in total assets is low: compared with loans and deposits, the proportion of financial investment in total assets of national joint-stock banks is low.