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表1:关键财务指标概览(单位:百万元)
2022H1
2022Q1-3
2022A
2023Q1
2023H1
2023Q1-3
2023A
2024Q1
环比变化
营业收入同比增速
7.03%
7.63%
6.05%
7.49%
7.93%
4.49%
3.07%
3.69%
0.62pct
拨备前利润同比增速
15.31%
9.61%
5.18%
7.27%
11.83%
8.16%
3.17%
5.91%
2.74pct
归母净利润同比增速
14.25%
17.11%
13.16%
12.44%
18.47%
15.82%
10.64%
1.48%
-9.16pct
ROE(年化)
12.10%
12.27%
11.22%
13.52%
13.07%
13.03%
11.34%
12.37%
1.03pct
ROA(年化)
1.03%
1.04%
0.93%
1.11%
1.08%
1.08%
0.93%
1.03%
0.09pct
净息差
1.87%
1.83%
1.72%
1.67%
净利差
1.78%
1.75%
1.67%
1.61%
成本收入比
28.37%
28.62%
30.43%
26.45%
28.79%
28.35%
32.56%
25.04%
-7.52pct
总资产同比增速
9.22%
10.28%
10.62%
11.81%
13.20%
11.16%
8.65%
9.13%
0.48pct
贷款同比增速
9.96%
9.39%
9.30%
8.65%
9.60%
7.86%
6.09%
6.14%
0.05pct
存款同比增速
9.75%
11.00%
12.57%
10.85%
12.10%
9.53%
7.73%
6.16%
-1.57pct
贷款/生息资产
54.03%
53.89%
53.37%
52.86%
52.24%
52.34%
52.15%
51.39%
-0.76pct
存款/计息负债
81.66%
81.44%
82.92%
81.99%
80.44%
79.94%
81.82%
79.37%
-2.44pct
贷款较年初增量
21,915
36,454
57,046
10,885
25,891
30,478
40,860
11,891
-28,969
存款较年初增量
35,540
53,709
105,347
18,556
35,931
33,387
72,927
4,882
-68,045
不良贷款余额
6,120
6,227
6,336
6,618
6,607
6,799
6,926
7,188
262
不良贷款率
0.96%
0.96%
0.94%
0.97%
0.95%
0.97%
0.97%
0.99%
0.02pct
拨备覆盖率
433.10%
439.15%
445.32%
422.66%
432.08%
415.48%
404.98%
381.84%
-23.14pct
关注贷款率
0.66%
0.63%
0.74%
0.57%
0.80%
1.24%
1.23%
1.27%
0.04pct
逾期贷款率
1.32%
1.44%
1.36%
1.25%
逾期90天以上/不良
94.81%
86.01%
83.05%
94.36%
逾期1年以上/损失
253.15%
305.12%
0.00%
400.64%
0.00%
171.75%
0.00%
逾期/不良
137.04%
152.09%
143.68%
128.49%
(重组+逾期)/不良
144.20%
159.18%
153.12%
160.45%
不良净新生成率
0.35%
0.27%
0.32%
0.60%
0.46%
0.47%
0.56%
0.96%
0.39pct
不良核销转出率
26.45%
19.54%
24.90%
46.03%
40.08%
40.30%
50.48%
83.15%
32.67pct
核心一级资本充足率
13.05%
13.13%
12.96%
13.08%
12.90%
13.25%
13.32%
14.49%
1.17pct
资本充足率
15.62%
15.67%
15.46%
15.55%
15.33%
15.69%
15.74%
16.97%
1.23pct
数据来源:,
备注:营业收入、拨备前利润、归母净利润、ROE(年化)、ROA(年化)、净息差、净利差、不良新生成率为当年累计数据。
图1:累计营收、PPOP、归母净利润同比增速
35.0%
营业收入同比增速 拨备前利润同比增速 归母净利润同比增速
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
5.9%
3.7%
1.5%
-5.0%
-10.0%
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