兴业银行营收增速明显回升，利润增速低点已过.docx

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

6.33%

4.15%

0.51%

-6.72%

-4.15%

-5.59%

-5.19%

4.22%

9.42pct

拨备前利润同比增速

1.79%

-1.29%

-4.61%

-7.31%

-6.47%

-7.67%

-6.03%

7.26%

13.29pct

归母净利润同比增速

11.90%

12.13%

10.52%

-8.93%

-4.92%

-9.53%

-15.61%

-3.10%

12.51pct

ROE（年化）

13.60%

14.73%

13.85%

14.92%

11.92%

12.13%

10.64%

13.48%

2.84pct

ROA（年化）

1.03%

1.09%

1.03%

1.06%

0.90%

0.91%

0.80%

0.48%

-0.32pct

净息差

2.15%

2.10%

1.95%

1.94%

1.93%

1.87%

-0.06pct

净利差

1.88%

1.83%

1.70%

1.66%

成本收入比

24.70%

25.94%

29.16%

25.46%

26.52%

27.62%

29.70%

23.52%

-6.18pct

总资产同比增速

10.80%

6.97%

7.71%

11.39%

10.08%

9.18%

9.62%

4.38%

-5.24pct

贷款同比增速

13.54%

12.07%

12.53%

11.04%

9.35%

9.93%

9.59%

7.91%

-1.68pct

存款同比增速

11.68%

11.37%

9.88%

11.07%

10.53%

11.25%

8.45%

4.21%

-4.23pct

贷款/生息资产

54.29%

54.45%

54.84%

53.42%

54.00%

54.76%

54.81%

55.18%

0.38pct

存款/计息负债

58.35%

58.33%

57.69%

55.98%

58.58%

59.24%

56.88%

56.31%

-0.56pct

贷款较年初增量

347,549

405,748

554,704

157,529

239,452

331,049

478,048

86,317

-391,731

存款较年初增量

336,694

381,376

433,006

163,782

410,188

500,211

428,310

-26,966

-455,276

不良贷款余额

55,006

52,963

54,488

55,878

56,266

57,085

58,491

59,420

929

不良贷款率

1.15%

1.10%

1.09%

1.09%

1.08%

1.07%

1.07%

1.07%

0.00pct

拨备覆盖率

251.30%

251.99%

236.44%

232.81%

245.77%

237.78%

245.21%

245.51%

0.30pct

关注贷款率

1.52%

1.47%

1.49%

1.44%

1.35%

1.53%

1.55%

1.70%

0.15pct

逾期贷款率

1.64%

1.67%

1.43%

1.36%

逾期90天以上/不良

83.98%

84.86%

84.40%

68.30%

逾期1年以上/损失

113.44%

101.67%

107.66%

61.84%

逾期/不良

142.21%

152.76%

132.86%

127.00%

（重组+逾期）/不良

149.24%

157.84%

138.60%

132.29%

不良净新生成率

1.29%

1.27%

1.19%

0.89%

1.26%

1.00%

1.35%

1.06%

-0.29pct

不良核销转出率

91.67%

104.09%

95.96%

71.48%

109.01%

85.22%

116.32%

93.00%

-23.32pct

核心一级资本充足率

9.51%

9.75%

9.81%

9.66%

9.29%

9.47%

9.76%

9.52%

-0.24pct

资本充足率

14.26%

14.45%

14.44%

14.07%

13.65%

13.78%

14.13%

13.70%

-0.43pct

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

50.0%

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

7.3%4.2%

7.3%

4.2%

-3.1%

30.0