青岛银行息差环比企稳，其他非息高增.docx

表1：关键财务指标概览（单位：百万元）

2022Q1-3

2022A

2023Q1

2023H1

2023Q1-3

2023A

2024Q1

2024H1

环比变化

营业收入同比增速

16.30%

4.56%

15.54%

2.52%

1.83%

7.11%

19.28%

11.98%

-7.29pct

拨备前利润同比增速

16.03%

2.88%

17.60%

4.72%

4.62%

7.19%

24.59%

12.11%

-12.48pct

归母净利润同比增速

7.30%

5.48%

15.83%

15.72%

15.17%

15.11%

18.74%

13.07%

-5.68pct

ROE（年化）

10.16%

8.95%

12.19%

15.17%

12.21%

10.71%

12.90%

15.34%

2.44pct

ROA（年化）

0.67%

0.60%

0.70%

0.88%

0.74%

0.65%

0.73%

0.86%

0.13pct

净息差

1.76%

1.76%

1.85%

1.85%

1.84%

1.83%

1.77%

1.77%

0.00pct

净利差

1.87%

1.85%

1.88%

1.87%

1.86%

1.85%

1.83%

1.82%

-0.01pct

成本收入比

31.21%

34.97%

28.61%

26.61%

29.40%

34.96%

25.68%

25.13%

-0.55pct

总资产同比增速

5.38%

1.41%

4.75%

5.96%

9.40%

14.80%

12.82%

15.06%

2.25pct

贷款同比增速

11.71%

10.17%

10.76%

8.88%

10.12%

11.55%

11.95%

12.31%

0.36pct

存款同比增速

13.21%

8.87%

15.77%

12.13%

14.29%

13.10%

9.05%

11.22%

2.17pct

贷款/生息资产

52.65%

52.78%

53.26%

52.76%

53.13%

51.09%

52.73%

51.21%

-1.52pct

存款/计息负债

67.13%

69.29%

69.15%

71.69%

69.38%

67.49%

67.06%

69.55%

2.48pct

贷款较年初增量

26,010

24,824

14,158

19,806

28,524

31,060

16,951

24,305

7,354

存款较年初增量

18,294

27,822

16,380

28,705

37,899

44,715

4,047

25,526

21,479

不良贷款余额

3,560

3,247

3,228

3,292

3,387

3,539

3,729

3,789

60

不良贷款率

1.32%

1.21%

1.14%

1.14%

1.14%

1.18%

1.18%

1.17%

-0.01pct

拨备覆盖率

206.20%

219.77%

232.79%

237.34%

254.67%

225.96%

232.35%

234.43%

2.08pct

关注贷款率

0.64%

0.82%

0.81%

0.75%

0.68%

0.54%

0.49%

0.58%

0.09pct

逾期贷款率

1.55%

1.52%

1.42%

1.54%

逾期90天以上/不良

79.86%

88.56%

74.12%

85.17%

逾期1年以上/损失

69.34%

118.87%

147.37%

142.30%

逾期/不良

128.28%

133.02%

120.28%

132.01%

（重组+逾期）/不良

132.39%

136.32%

123.19%

134.60%

不良净新生成率

1.65%

0.83%

1.08%

0.37%

0.94%

0.57%

1.22%

0.54%

-0.68pct

不良核销转出率

111.11%

62.74%

91.42%

27.69%

71.87%

38.30%

81.61%

31.29%

-50.32pct

核心一级资本充足率

9.16%

8.75%

8.61%

8.79%

8.37%

8.42%

8.98%

9.07%

0.09pct

资本充足率

14.05%

13.56%

13.27%

13.37%

12.78%

12.79%

13.46%

13.44%

-0.02pct

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

40.0%

30.0%

20.0%

1