正文目錄一、業(yè)表現(xiàn) 4二、非收入 9三、息及負(fù) 10四、資質(zhì)量 14五、資及東 16六、風(fēng)提示 17圖表目錄圖1：計收PPOP、歸凈潤比速 5圖2：季營、PPOP歸凈潤比速 6圖3：計比績（2025Q1~3） 6圖4：計比績（2025H1） 7圖5：季業(yè)拆（2025Q3） 7圖6：息和利差 10圖7：本足情況 16圖8：化、模張和本生 16圖9：東和均數(shù)量萬，股） 17表1：關(guān)財指概（單：萬） 4表2：累業(yè)同增速 5表3：單度績比速 5表4：計ROE拆分 8表5：單度ROE8表6：手費(fèi)速 9表7：非收、他合收結(jié)構(gòu) 9表8：凈差凈差生息產(chǎn)益、息債成率 10表9：分型款益和存成率 11表10：息產(chǎn)況位：萬） 11表11：息債況位：萬） 12表12：款況 12表13：款況 13表14：產(chǎn)量百） 14表15：用值失備余（萬） 14表16：良款況萬元） 15表17：新十股歷史動況 17附：務(wù)測（萬） 18一、業(yè)績表現(xiàn) 關(guān)鍵財務(wù)指標(biāo)（百萬元）2023A2024Q12024H1關(guān)鍵財務(wù)指標(biāo)（百萬元）2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3總資產(chǎn)1,841,3311,917,3051,984,8142,017,7812,112,3562,222,2162,235,5952,295,424總貸款807,096870,780901,333910,167937,499995,1961,009,4181,025,573總負(fù)債1,730,0381,800,5621,855,8931,885,0921,976,3082,076,2942,075,0592,132,473總存款1,058,3081,127,8901,166,7761,193,5801,289,5151,366,2031,356,1241,366,860營業(yè)收入35,0169,76119,34028,49438,3819,97820,09328,880撥備前利潤24,3517,30814,37320,41826,6727,52715,05320,743凈利潤14,3835,1339,99613,87016,9836,02111,66215,885總資產(chǎn)增速13.91%13.04%13.79%12.72%14.72%15.90%12.64%13.76%貸款同比增速14.94%16.05%16.47%15.91%16.16%14.29%11.99%12.68%營業(yè)收入同比增速6.33%3.50%5.36%3.87%9.61%2.22%3.90%1.35%撥備前利潤同比增速6.53%4.52%5.41%3.44%9.53%3.01%4.73%1.59%歸母凈利潤同比增速23.15%21.11%20.06%18.63%18.07%17.30%16.66%14.53%凈息差（披露值）1.50%1.42%1.41%1.35%凈利差（披露值）1.59%1.51%1.51%1.37%生息資產(chǎn)收益率（披露值）3.87%3.72%3.64%3.24%計息負(fù)債成本率（披露值）2.28%2.21%2.13%1.87%凈息差（測算值）1.51%1.46%1.41%1.43%1.38%1.32%1.32%1.33%凈利差（測算值）1.58%1.55%1.51%1.53%1.45%1.34%1.34%1.35%單季度凈息差（測算值）1.45%1.46%1.37%1.44%1.35%1.32%1.28%1.34%單季度凈利差（測算值）1.55%1.55%1.46%1.54%1.42%1.34%1.28%1.33%ROA（年化）0.83%1.09%1.05%0.96%0.86%1.11%1.07%0.96%ROE（年化）15.57%19.96%19.48%18.01%16.00%20.60%19.00%12.68%累計分紅率(每股分紅股本/歸母普通股凈利潤）22.52%22.60%24.13%24.19%杠桿率5.13%5.21%5.55%5.59%5.47%5.56%5.87%5.88%總資產(chǎn)增速13.91%13.04%13.79%12.72%14.72%15.90%12.64%13.76%風(fēng)險加權(quán)資產(chǎn)增速14.44%11.22%8.77%9.63%6.61%9.05%13.48%14.36%ROE(年化)(1-分紅率)12.07%15.47%15.09%13.96%12.20%15.71%14.49%9.67%ROE(年化)(1-分紅率)-風(fēng)險加權(quán)資產(chǎn)增速-2.38%4.24%6.32%4.33%5.59%6.66%1.01%-4.69%成本收入比29.40%24.10%24.67%27.30%29.41%23.70%24.08%27.09%存貸比75.67%77.01%77.24%76.18%72.28%72.56%73.53%73.93%貸款同比增速14.94%16.05%16.47%15.91%16.16%14.29%11.99%12.68%存款同比增速12.84%11.24%13.85%16.39%21.85%21.13%16.23%14.52%貸款/生息資產(chǎn)49.15%51.17%51.73%51.42%49.38%48.64%49.10%48.39%存款/計息負(fù)債62.08%63.53%64.09%64.07%66.29%66.84%66.28%64.85%貸款較年初增量104,89263,68494,237103,071130,40357,69871,91988,075存款較年初增量120,41069,582108,468135,272231,20776,68866,60977,345不良貸款率0.76%0.76%0.76%0.76%0.76%0.76%0.76%0.76%撥備覆蓋率561.42%551.23%545.17%543.25%541.45%530.07%520.89%513.64%撥貸比4.25%4.20%4.14%4.12%4.11%4.04%3.95%3.89%關(guān)注率+不良率1.16%1.28%1.29%1.35%1.31%1.30%1.27%1.29%逾期貸款率0.62%0.70%0.55%0.61%逾期/不良82.53%92.38%72.74%79.94%重組貸款率0.41%0.32%0.30%0.25%逾期率+重組率1.03%1.02%0.85%0.86%不良生成率2（測算核轉(zhuǎn)）0.72%-0.08%0.17%0.36%0.52%-0.22%0.18%0.30%核心一級資本充足率8.16%8.46%8.63%8.76%8.85%9.01%9.74%9.64%一級資本充足率9.64%9.90%10.92%11.00%11.05%11.34%11.98%11.82%資本充足率12.51%12.70%12.87%13.78%13.80%14.05%14.64%14.43%流動性覆蓋率153.03%175.18%188.65%205.16%244.42%301.42%241.91%181.19%股東數(shù)（戶）58,58354,90948,37246,02244,50449,26958,98267,570表2：累計業(yè)績同比增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3營業(yè)收入同比增速6.33%3.50%5.36%3.87%9.61%2.22%3.90%1.35%凈利息收入同比增速2.52%-1.88%0.46%3.87%4.37%6.83%9.38%9.96%非息收入同比增速14.97%13.84%14.43%3.87%20.21%-5.41%-5.00%-14.03%凈手續(xù)費(fèi)收入同比增速-13.50%-16.36%-9.91%-8.07%-7.99%22.16%10.78%12.65%其他非息收入同比增速39.60%36.36%28.32%9.58%35.34%-18.01%-11.33%-24.74%營業(yè)支出同比增速-6.07%-11.56%-9.22%-9.70%2.10%-21.90%-15.53%-13.53%撥備前利潤同比增速6.53%4.52%5.41%3.44%9.53%3.01%4.73%1.59%利潤總額同比增速25.22%17.50%18.70%18.00%18.08%19.44%17.56%13.19%凈利潤同比增速23.15%21.11%20.06%18.63%18.07%17.30%16.66%14.53%歸母凈利潤同比增速23.15%21.11%20.06%18.63%18.07%17.30%16.66%14.53%表3：單季度業(yè)績同比增速2023Q42024Q12024Q22024Q32024Q42025Q12025Q22025Q3營業(yè)收入同比增速10.39%3.50%7.33%0.86%30.38%2.22%5.60%-4.02%凈利息收入同比增速-1.06%-1.88%3.00%11.04%5.87%6.83%12.02%11.06%非息收入同比增速80.36%13.84%15.02%-16.16%112.51%-5.41%-4.60%-37.40%凈手續(xù)費(fèi)收入同比增速25.19%-16.36%-0.66%-2.98%-7.69%22.16%-2.94%17.44%其他非息收入同比增速214.83%36.36%21.72%-20.51%229.02%-18.01%-5.18%-59.52%營業(yè)支出同比增速13.65%-11.56%-6.70%-10.52%37.12%-21.90%-9.03%-10.12%撥備前利潤同比增速27.09%4.52%6.34%-0.94%35.58%3.01%6.51%-5.87%利潤總額同比增速5.42%17.50%19.95%16.24%18.49%19.44%15.65%2.03%凈利潤同比增速11.95%21.11%18.97%15.10%15.63%17.30%16.00%9.01%歸母凈利潤同比增速11.95%21.11%18.97%15.10%15.63%17.30%16.00%9.01%圖1：累計營收、PPOP、歸母凈利潤同比增速營業(yè)收同比速 撥備前潤同增速 歸母凈潤同增速 總資產(chǎn)速14.5314.53.30.00%25.00%20.00%15.00% %10.00%5.00%%0.00%圖2：單季度營收、PPOP、歸母凈利潤同比增速營業(yè)收同比速 撥備前潤同增速 歸母凈潤同增速9.01%9.01%.%40.00%30.00%20.00%10.00%0.00%-10.00%-20.00%-30.00%圖3：累計同比業(yè)績拆分（2025Q1~3）17.8%14.5%17.8%14.5%14.5%18%16%14%12%10%8%6%4%2%0%生 凈 凈息 息 手資 差 續(xù)產(chǎn) 費(fèi)規(guī) 收模 入

其 稅 成 撥他 金 本 備收 及 收 計支 附 入 加 比

有 凈 少 歸效 利 數(shù) 母稅 潤 股 凈率 東 利凈 潤利潤圖4：累計同比業(yè)績拆分（2025H1）16.8%16.7%16.8%16.7%16.7%18%16%14%12%10%8%6%4%2%0%生 凈息 息資 差產(chǎn)規(guī)模

凈 其 稅手 他 金續(xù) 收 及費(fèi) 支 附收 加入

成撥有凈少本備效利數(shù)收計稅潤股入提率 東比 凈潤利潤圖5：單季度業(yè)績拆分（2025Q3）17.8%9.0%17.8%9.0%9.0%15%10%5%0%-5%-10%生 凈 凈息 息 手資 差 續(xù)產(chǎn) 費(fèi)規(guī) 收模 入

其 稅 成他 金 本收 及 收支 附 入加 比

撥 有 凈 少 備 效 利 數(shù) 計 稅 潤 股 提 率 東 凈 潤利潤累計ROE拆分2023A2024Q12024H1累計ROE拆分2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3營業(yè)收入2.03%2.08%2.02%1.97%1.94%1.84%1.85%1.75%利息收入3.49%3.33%3.27%3.26%3.18%2.89%2.89%2.85%利息支出2.13%2.04%2.02%2.00%1.94%1.69%1.68%1.64%凈利息收入1.36%1.30%1.25%1.26%1.24%1.20%1.20%1.22%凈手續(xù)費(fèi)收入0.23%0.25%0.22%0.20%0.19%0.26%0.21%0.20%其他非息收入0.44%0.54%0.55%0.50%0.52%0.38%0.43%0.33%營業(yè)支出1.08%0.86%0.83%0.87%0.97%0.58%0.62%0.66%稅金及附加0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%業(yè)務(wù)及管理費(fèi)0.60%0.50%0.50%0.54%0.57%0.44%0.45%0.47%減值損失0.47%0.33%0.31%0.32%0.38%0.13%0.15%0.17%營業(yè)利潤0.94%1.22%1.19%1.10%0.97%1.26%1.23%1.09%營業(yè)外凈收入0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%利潤總額0.94%1.22%1.19%1.09%0.97%1.26%1.23%1.08%所得稅0.11%0.13%0.14%0.14%0.11%0.15%0.16%0.12%年化ROA0.83%1.09%1.05%0.96%0.86%1.11%1.07%0.96%杠桿率18.7218.2718.6418.8018.6218.5417.7113.19年化ROE15.57%19.96%19.48%18.01%16.00%20.60%19.00%12.68%單季度ROE拆分2023Q42024Q12024Q2單季度ROE拆分2023Q42024Q12024Q22024Q32024Q42025Q12025Q22025Q3營業(yè)收入1.75%2.08%2.00%1.90%2.00%1.84%1.86%1.59%利息收入3.55%3.33%3.26%3.30%3.17%2.89%2.89%2.86%利息支出2.20%2.04%2.03%1.99%1.92%1.69%1.68%1.59%凈利息收入1.35%1.30%1.23%1.31%1.25%1.20%1.21%1.27%凈手續(xù)費(fèi)收入0.20%0.25%0.20%0.17%0.16%0.26%0.17%0.17%其他非息收入0.20%0.54%0.57%0.42%0.59%0.38%0.48%0.15%營業(yè)支出1.09%0.86%0.82%0.97%1.31%0.58%0.66%0.76%稅金及附加0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%業(yè)務(wù)及管理費(fèi)0.66%0.50%0.51%0.62%0.71%0.44%0.46%0.54%減值損失0.41%0.33%0.30%0.33%0.58%0.13%0.18%0.21%營業(yè)利潤0.66%1.22%1.18%0.93%0.69%1.26%1.20%0.83%營業(yè)外凈收入0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%利潤總額0.66%1.22%1.18%0.92%0.69%1.26%1.20%0.83%所得稅0.04%0.13%0.16%0.12%0.06%0.15%0.16%0.06%年化ROA0.62%1.09%1.02%0.80%0.63%1.11%1.04%0.77%杠桿率18.7218.2718.6418.8018.6218.5417.7113.19年化ROE11.66%19.96%18.96%15.09%11.73%20.60%18.38%10.11%二、非息收入 手續(xù)費(fèi)收入增速2023A2024Q12024H1手續(xù)費(fèi)收入增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3手續(xù)費(fèi)收入-10.46%-11.08%-5.18%-1.57%-0.18%20.76%12.33%13.34%代理業(yè)務(wù)-4.41%38.46%36.30%11.13%理財業(yè)務(wù)托管業(yè)務(wù)-29.17%-10.05%-1.96%7.20%支付結(jié)算業(yè)務(wù)7.97%0.34%17.68%70.93%咨詢顧問業(yè)務(wù)2.60%-27.69%-15.02%8.88%擔(dān)保承諾業(yè)務(wù)34.12%-5.55%-0.95%-1.46%銀行卡業(yè)務(wù)-13.23%-15.58%-0.58%20.52%交易業(yè)務(wù)其他158.57%57.46%10.28%35.44%手續(xù)費(fèi)支出13.88%46.01%31.72%43.09%47.40%12.08%20.61%16.39%零售AUM同比增速7.65%12.01%14.32%14.23%16.39%-100.00%15.25%17.12%累計占比（/營收）2023A累計占比（/營收）2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3凈手續(xù)費(fèi)及傭金收入11.55%11.81%10.91%10.28%9.69%14.12%11.63%11.42%凈其他非息收入21.53%25.84%27.21%25.59%26.59%20.72%23.23%19.00%投資收益16.13%19.61%23.90%20.97%19.08%41.47%28.49%25.30%公允價值變動損益3.99%5.90%2.85%3.63%6.37%-22.54%-6.96%7.94%匯兌凈損益0.04%-0.50%-0.51%0.09%0.24%1.18%1.01%0.92%其他凈收益1.37%0.83%0.98%0.91%0.90%0.62%0.69%-15.16%其他綜合收益9.30%39.56%22.03%14.58%14.61%36.84%22.72%9.22%單季度占比（/營收）2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3凈手續(xù)費(fèi)及傭金收入2.45%11.81%4.94%2.87%2.06%14.12%4.62%3.33%凈其他非息收入2.53%25.84%14.18%7.12%7.59%20.72%12.94%2.85%投資收益2.79%19.61%14.00%4.75%3.52%41.47%7.89%5.48%公允價值變動損益-0.26%5.90%-0.13%1.69%3.67%-22.54%4.23%12.79%匯兌凈損益-0.26%-0.50%-0.26%0.44%0.17%1.18%0.43%0.21%其他凈收益0.26%0.83%0.56%0.25%0.22%0.62%0.38%-15.64%其他綜合收益1.71%6.19%2.06%-0.37%3.79%-19.37%4.42%-6.58%累計同比增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3凈手續(xù)費(fèi)及傭金收入-13.5%-16.4%-9.9%-8.1%-8.0%22.2%10.8%12.6%凈其他非息收入39.6%36.4%28.3%9.6%35.3%-18.0%-11.3%-24.7%投資凈收益20.5%28.2%55.4%27.9%29.7%116.2%23.8%22.3%公允價值變動損益163.3%135.4%-36.7%-30.6%74.8%-490.3%-353.8%122.0%匯兌損益107.9%-398.2%-326.5%-76.8%492.6%338.7%305.1%968.1%其他凈收益26.3%-15.0%-11.2%-33.0%-27.8%-23.1%-27.3%-1784.1%其他綜合收益余額增速73.4%69.3%44.7%56.3%72.2%-4.8%7.2%-35.9%單季度同比增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3凈手續(xù)費(fèi)及傭金收入25.2%-16.4%-0.7%-3.0%-7.7%22.2%-2.9%17.4%凈其他非息收入214.8%36.4%21.7%-20.5%229.0%-18.0%-5.2%-59.5%投資凈收益203.3%28.2%82.8%-20.3%38.1%116.2%-41.4%17.0%公允價值變動損益49.4%135.4%-104.1%-22.0%1655.6%-490.3%3448.7%665.4%匯兌損益-274.5%-398.2%-283.4%96.5%172.5%338.7%272.1%-50.0%其他凈收益-44.7%-15.0%-8.1%-59.9%-4.9%-23.1%-30.4%-6565.2%單季度其他綜合收益增速218.8%50.1%-39.9%63.2%142.9%-420.0%122.8%-1704.0%三、息差及資負(fù) 圖6：凈息差和凈利差凈息差披露） 凈利差披露）2.20%2.00%1.80%1.60%1.40%1.20%1.00%累計（披露值）2023A2024Q12024H1累計（披露值）2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3凈息差1.50%1.42%1.41%1.35%凈利差1.59%1.51%1.51%1.37%生息資產(chǎn)收益率3.87%3.72%3.64%3.24%計息負(fù)債成本率2.28%2.21%2.13%1.87%單季度（測算值）2023Q42024Q12024Q22024Q32024Q42025Q12025Q22025Q3凈息差1.45%1.46%1.37%1.44%1.35%1.32%1.28%1.34%凈利差1.55%1.55%1.46%1.54%1.42%1.34%1.28%1.33%生息資產(chǎn)收益率3.81%3.74%3.63%3.62%3.42%3.17%3.07%3.02%計息負(fù)債成本率2.26%2.20%2.17%2.09%2.00%1.84%1.79%1.68%生息資產(chǎn)平均收益率2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3發(fā)放貸款4.60%4.35%4.25%3.77%投資類資產(chǎn)3.58%3.37%3.30%2.97%存放央行1.29%1.32%1.31%1.27%同業(yè)資產(chǎn)1.82%1.90%1.78%1.79%計息負(fù)債平均付息率2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3存款2.19%2.08%2.04%1.80%向央行借款2.27%2.33%2.22%1.86%同業(yè)負(fù)債2.27%2.25%2.15%1.95%發(fā)行債券2.61%2.63%2.45%2.07%表9：分類型貸款收益率和存款成本率分類型貸款收益率2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3分類型存款成本率2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3對公存款付息率對公活期付息率對公定期付息率個人存款付息率個人活期付息率個人定期付息率余額結(jié)構(gòu)（分母為總資產(chǎn)）2023A2024Q12024H1余額結(jié)構(gòu)（分母為總資產(chǎn)）2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3生息資產(chǎn)99.88%99.79%99.78%99.87%99.91%99.77%99.85%99.87%貸款43.83%45.42%45.41%45.11%44.38%44.78%45.15%44.68%投資類資產(chǎn)47.30%47.15%47.55%47.67%45.98%45.51%46.82%47.40%FVTPL10.66%10.99%11.97%12.13%10.00%7.66%7.85%7.49%AC25.44%24.55%23.65%23.00%22.99%21.19%20.98%20.19%FVOCI11.21%11.60%11.93%12.54%12.99%16.66%17.99%19.72%存放央行6.18%5.09%4.97%4.69%5.63%4.98%4.81%4.47%同業(yè)資產(chǎn)2.57%2.13%1.85%2.40%3.92%4.48%3.07%3.31%同比增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3總資產(chǎn)13.91%13.04%13.79%12.72%14.72%15.90%12.64%13.76%總生息資產(chǎn)12.46%10.80%12.32%12.00%15.61%20.23%17.99%19.75%貸款14.94%16.05%16.47%15.91%16.16%14.29%11.99%12.68%投資類資產(chǎn)16.91%16.20%16.09%14.05%11.51%11.89%10.90%13.12%FVTPL26.38%33.22%25.80%24.77%7.68%-19.16%-26.13%-29.74%AC6.86%3.03%1.84%1.22%3.67%0.00%-0.10%-0.15%FVOCI36.27%36.63%45.15%34.08%32.93%66.45%69.89%78.93%存放央行11.36%-7.08%2.73%2.62%4.52%13.47%9.15%8.51%同業(yè)資產(chǎn)-28.68%-33.05%-36.78%-13.86%75.30%143.60%86.78%56.76%單季增量2023Q42024Q12024Q22024Q32024Q42025Q12025Q22025Q3總生息資產(chǎn)61,95959,65340,40627,605128,703147,5119,63963,667貸款21,86963684.27230,5538,83427,33257,69814,22216,155投資類資產(chǎn)27,61032,93439,92618,0169,33740,19435,33141,315FVTPL-1214,48426,9857,152-33,545-40,9715,262-3,553AC9,8992,380-1,329-5,37721,500-14,777-1,811-5,609FVOCI17,72316,07014,27016,24221,38195,94131,87950,477存放央行21,508-16,132970-3,93124,237-8,129-3,156-4,900同業(yè)資產(chǎn)-9,051-6,368-4,22311,83734,35516,778-31,1347,544；備注：FVTPL為以公允價值計量且其變動計入當(dāng)期損益的金融資產(chǎn)；AC為以攤余成本計量的金融資產(chǎn)或者債權(quán)投資；FVOCI為以公允價值計量且其變動計入其他綜合收益的金融資產(chǎn)或者（其他債權(quán)投資+其他權(quán)益工具投資）。表11：計息負(fù)債情況（單位：百萬元）余額結(jié)構(gòu)（分母為總資產(chǎn)）2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3負(fù)債總額93.96%93.91%93.50%93.42%93.56%93.43%92.82%92.90%計息負(fù)債92.58%92.59%91.72%92.33%92.09%91.97%91.52%91.82%存款57.48%58.83%58.79%59.15%61.05%61.48%60.66%59.55%向央行借款5.71%4.54%4.23%5.75%2.87%2.78%3.29%4.32%同業(yè)負(fù)債14.46%14.34%14.04%12.22%12.52%11.89%11.26%12.74%發(fā)行債券14.94%14.88%14.65%15.21%15.66%15.82%16.32%15.22%同比增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3負(fù)債總額13.97%13.02%13.24%12.09%14.23%15.31%11.81%13.12%總計息負(fù)債14.16%13.09%13.22%12.46%14.11%15.13%12.40%13.14%存款12.84%11.24%13.85%16.39%21.85%21.13%16.23%14.52%向央行借款76.89%23.88%46.74%29.89%-42.36%-28.90%-12.46%-14.50%同業(yè)負(fù)債15.82%44.29%30.51%0.98%-0.71%-3.93%-9.73%18.59%發(fā)行債券3.39%-3.27%-6.81%3.11%20.28%23.22%25.42%13.82%單季增量2023Q42024Q12024Q22024Q32024Q42025Q12025Q22025Q3總計息負(fù)債48,22470468.7645,18442,56582,36498,5072,25961,584存款32,82169,58238,88626,80495,93576,688-10,07910736.2向央行借款15,774-18,076-2,96631,967-55,4391,28811,71025,623同業(yè)負(fù)債22,2098,6363,759-32,20817,927-292-12,54540,738發(fā)行債券-22,58010,3265,50516,00323,94120,82313,173-15,513余額結(jié)構(gòu)2023A2024Q12024H1余額結(jié)構(gòu)2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3公司存款74.03%72.27%71.75%71.81%71.03%71.49%69.82%69.09%公司定期31.56%29.98%34.12%37.10%37.03%36.09%35.95%35.64%公司活期42.47%42.28%37.63%34.71%34.00%35.40%33.88%33.45%個人存款21.57%21.90%22.55%22.68%23.25%23.38%24.47%25.41%個人定期16.56%16.89%17.26%17.72%17.74%18.46%19.60%19.98%個人活期5.01%5.01%5.29%4.96%5.52%4.92%4.87%5.43%余額增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3存款總額公司存款12.84%9.77%11.24%5.81%13.85%8.85%16.39%12.54%21.85%16.91%21.13%19.83%16.23%13.11%14.52%10.17%公司定期4.48%3.69%24.59%34.89%42.99%45.78%22.45%10.00%公司活期14.07%7.36%-2.33%-4.39%-2.46%1.43%4.64%10.35%個人存款25.89%24.22%25.06%25.89%31.34%29.32%26.13%28.31%個人定期38.93%31.58%29.01%28.63%30.52%32.39%31.99%29.12%個人活期-3.91%4.52%13.69%16.96%34.05%18.97%7.01%25.40%余額結(jié)構(gòu)2023A2024Q12024H1余額結(jié)構(gòu)2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3個人貸款34.70%32.67%32.95%32.93%32.62%30.34%29.66%28.86%個人住房貸款11.67%10.91%11.27%10.89%個人消費(fèi)貸款7.89%7.85%7.24%6.25%經(jīng)營性貸款15.15%14.19%14.11%12.52%信用卡應(yīng)收賬款票據(jù)貼現(xiàn)1.69%2.98%3.55%4.45%公司貸款63.60%67.33%64.07%67.07%63.83%69.66%65.89%71.14%制造業(yè)9.01%9.52%9.80%11.53%批發(fā)和零售業(yè)2.61%2.89%3.13%3.60%傳統(tǒng)基建28.22%29.42%27.92%28.91%租賃和商務(wù)服務(wù)業(yè)14.13%14.59%14.45%15.46%房地產(chǎn)業(yè)4.56%4.11%4.02%3.87%建筑業(yè)3.46%3.54%3.77%3.85%住宿和餐飲業(yè)采礦業(yè)信息傳輸、軟件和信息技術(shù)服務(wù)0.75%0.82%0.97%0.98%農(nóng)、林、牧、漁業(yè)金融業(yè)衛(wèi)生和社會工作科學(xué)研究和技術(shù)服務(wù)業(yè)0.83%0.94%1.06%1.16%余額增速2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3貸款總額個人貸款14.94%7.78%16.05%12.06%16.47%12.86%15.91%12.02%16.16%9.20%14.29%6.13%11.99%0.81%12.68%-1.27%個人住房貸款4.74%6.67%12.15%11.81%個人消費(fèi)貸款-3.19%30.59%6.69%-10.82%經(jīng)營性貸款17.32%9.51%8.23%-1.22%信用卡應(yīng)收賬款票據(jù)貼現(xiàn)-55.22%6.22%143.40%67.61%公司貸款24.65%18.09%18.96%17.92%16.57%18.25%15.16%19.53%制造業(yè)18.90%25.27%26.27%35.70%批發(fā)和零售業(yè)-18.12%-7.48%39.07%39.77%傳統(tǒng)基建31.15%23.51%14.93%10.06%租賃和商務(wù)服務(wù)業(yè)36.92%23.37%18.82%18.70%房地產(chǎn)業(yè)-7.08%1.34%2.40%5.43%建筑業(yè)25.76%18.85%26.65%21.83%住宿和餐飲業(yè)采礦業(yè)信息傳輸、軟件和信息技術(shù)服務(wù)-7.26%3.53%49.82%32.71%農(nóng)、林、牧、漁業(yè)金融業(yè)衛(wèi)生和社會工作科學(xué)研究和技術(shù)服務(wù)業(yè)51.97%46.90%47.45%38.05%四、資產(chǎn)質(zhì)量 資產(chǎn)質(zhì)量2023A2024Q12024H1資產(chǎn)質(zhì)量2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3不良貸款率0.76%0.76%0.76%0.76%0.76%0.76%0.76%0.76%撥備覆蓋率561.42%551.23%545.17%543.25%541.45%530.07%520.89%513.64%撥貸比4.25%4.20%4.14%4.12%4.11%4.04%3.95%3.89%貸款撥備余額34,30036,56937,34937,51738,51740,19039,89539,884非信貸撥備余額19,66218,09218,62616,996不良貸款余額6,1096,6346,8516,9067,1147,5827,6597,765關(guān)注類貸款余額3,2164,5144,7495,4035,1685,4125,1735,467逾期貸款余額5,0426,3295,1746,123逾期90天以上貸款余額3,5534,7653,9565,113重組貸款余額3,2742,8552,7862,564關(guān)注貸款率0.40%0.52%0.53%0.59%0.55%0.54%0.51%0.53%關(guān)注率+不良率1.16%1.28%1.29%1.35%1.31%1.30%1.27%1.29%逾期貸款率0.62%0.70%0.55%0.61%逾期90天以上/不良58.16%69.55%55.61%66.76%逾期1年以上/損失62.43%94.23%60.30%91.35%逾期/不良82.53%92.38%72.74%79.94%重組貸款率0.41%0.32%0.30%0.25%（重組+逾期）/貸款1.03%1.02%0.85%0.86%（重組+逾期）/不良136.13%134.06%111.90%113.42%不良凈新生成率（披露值）不良生成率1（披露核轉(zhuǎn)）0.45%0.62%0.80%0.66%不良生成率2（測算核轉(zhuǎn)）0.72%-0.08%0.17%0.36%0.52%-0.22%0.18%0.30%不良回收率-0.28%0.45%0.28%0.47%不良核銷轉(zhuǎn)出率1（披露核轉(zhuǎn)）45.13%57.97%89.30%71.15%不良核銷轉(zhuǎn)出率2（測算核轉(zhuǎn)）80.92%-45.39%-1.55%29.85%52.88%-55.12%8.95%27.49%非信貸撥備/非信貸資產(chǎn)1.90%1.67%1.59%1.39%總撥備/總資產(chǎn)2.93%2.80%2.71%2.55%信用減值損失2023A2024Q12024H1信用減值損失2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3總資產(chǎn)8,0691,5743,0004,5837,4466781,6822,820貸款5,4594,5698,4803,310金融投資2,036-1,583-1,521-1,699其他5751448871信用減值損失/資產(chǎn)期初余額2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3總資產(chǎn)0.50%0.09%0.16%0.25%0.40%0.03%0.08%0.13%貸款0.78%0.57%1.05%0.35%金融投資0.27%-0.18%-0.17%-0.17%其他0.34%0.01%0.30%0.03%撥備余額2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3總資產(chǎn)54,02355,52057,20556,974貸款34,36236,56937,42837,51738,57940,19039,97839,884金融投資16,35814,77514,83713,138其他3,3043,3173,7903,858撥備余額/資產(chǎn)余額2023A2024Q12024H12024Q1-32024A2025Q12025H12025Q1-3總資產(chǎn)2.93%2.80%2.71%2.55%貸款4.26%4.20%4.15%4.12%4.12%4.04%3.96%3.89%金融投資1.88%1.57%1.53%1.26%其他2.02%2.38%1.86%2.15%不良貸款額2023A2024Q12024H12024Q1-32024A不良貸款額2023A2024