江阴银行拨备反哺利润，盈利同比高增.docx

表1：关键财务指标概览（单位：百万元）

关键财务指标

2023Q1

2023H1

2023Q1-3

2023A

2024Q1

2024H1

2024Q1-3

2024A

环比变化

营业收入同比增速

4.03%

1.25%

0.44%

2.25%

2.56%

5.46%

1.33%

2.51%

1.18pct

拨备前利润同比增速

5.05%

13.17%

8.40%

11.12%

3.12%

-2.72%

-5.54%

-4.80%

0.74pct

归母净利润同比增速

12.78%

14.23%

15.15%

16.83%

12.72%

10.50%

6.79%

7.88%

1.08pct

ROE（年化）

8.60%

8.96%

9.59%

12.55%

8.36%

8.50%

8.75%

11.55%

2.80pct

ROA（年化）

0.72%

0.85%

0.88%

1.14%

0.76%

0.78%

0.81%

1.05%

0.24pct

净息差

2.05%

2.20%

2.07%

2.06%

1.70%

1.76%

1.74%

1.76%

0.02pct

净利差

1.84%

1.98%

1.85%

1.85%

1.52%

1.54%

1.53%

1.55%

0.02pct

成本收入比

26.64%

27.12%

29.12%

30.87%

26.96%

26.43%

29.55%

30.15%

0.60pct

总资产同比增速

11.59%

9.90%

7.51%

10.24%

5.74%

6.12%

6.29%

7.63%

1.35pct

贷款同比增速

12.04%

12.30%

12.03%

11.85%

11.65%

9.73%

6.20%

7.61%

1.41pct

存款同比增速

14.52%

13.53%

10.20%

9.86%

10.72%

7.70%

6.45%

9.06%

2.62pct

贷款/生息资产

61.23%

63.32%

64.96%

61.99%

64.81%

65.60%

65.11%

62.32%

-2.79pct

存款/计息负债

80.06%

82.95%

84.97%

79.90%

84.86%

84.96%

84.55%

83.77%

-0.78pct

贷款较年初增量

5,147

8,792

11,324

12,224

5,543

7,454

6,191

8,777

2,586

存款较年初增量

6,154

10,468

11,130

12,533

7,554

8,195

7,356

12,624

5,268

不良贷款余额

1,049

1,101

1,116

1,129

1,167

1,204

1,090

1,070

-19

不良贷款率

0.97%

0.98%

0.98%

0.98%

0.97%

0.98%

0.90%

0.86%

-0.04pct

拨备覆盖率

481.07%

500.21%

473.17%

409.46%

425.25%

435.25%

452.16%

369.32%

-82.84pct

关注贷款率

0.86%

1.24%

1.07%

1.06%

0.95%

1.37%

1.42%

1.22%

-0.20pct

逾期贷款率

1.46%

1.19%

1.27%

1.35%

逾期90天以上/不良

68.41%

80.01%

78.57%

62.34%

逾期1年以上/损失

392.29%

229.87%

179.40%

86.22%

逾期/不良

148.21%

122.00%

129.84%

156.80%

（重组+逾期）/不良

165.59%

132.91%

185.84%

不良净新生成率

0.83%

0.99%

0.97%

1.40%

0.48%

1.05%

0.75%

1.34%

0.59pct

不良核销转出率

69.61%

83.22%

85.40%

131.31%

36.04%

93.53%

81.40%

141.97%

60.57pct

核心一级资本充足率

12.95%

12.59%

12.81%

13.10%

14.16%

13.92%

14.19%

14.09%

-0.10pct

资本充足率

14.09%

13.74%

13.96%

14.24%

15.32%

15.09%

15.34%

15.22%

-0.12pct

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

70.0%

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

7.9%2.5%

7.9%

2.5%

-4.8%

50.0%

40.0%