常熟银行存款结构优化，业绩保持双位数增长.docxVIP

表1：关键财务指标概览（单位：百万元）

关键财务指标

2023H1

2023Q1-3

2023A

2024Q1

2024H1

2024Q1-3

2024A

2025Q1

环比变化

营业收入同比增速

12.36%

12.55%

12.05%

12.01%

12.03%

11.30%

10.53%

10.04%

-0.49pct

拨备前利润同比增速

8.49%

12.07%

15.07%

20.76%

22.76%

18.46%

10.59%

12.58%

1.99pct

归母净利润同比增速

20.82%

21.10%

19.60%

19.80%

19.58%

18.17%

16.20%

13.81%

-2.39pct

ROE（年化）

12.40%

14.19%

13.69%

14.74%

13.28%

14.96%

14.15%

14.89%

0.74pct

ROA（年化）

1.04%

1.17%

1.13%

1.17%

1.08%

1.23%

1.16%

1.23%

0.07pct

净息差

3.00%

2.95%

2.86%

2.83%

2.79%

2.75%

2.71%

2.61%

-0.10pct

净利差

2.86%

2.81%

2.70%

2.69%

2.63%

2.59%

2.54%

2.46%

-0.08pct

成本收入比

41.03%

39.30%

36.87%

35.27%

35.18%

35.17%

36.62%

34.74%

-1.87pct

总资产同比增速

15.61%

15.61%

16.18%

15.05%

15.57%

10.44%

9.61%

6.67%

-2.93pct

贷款同比增速

15.87%

16.67%

15.00%

15.01%

11.30%

9.69%

8.28%

6.12%

-2.16pct

存款同比增速

16.77%

17.54%

16.16%

18.02%

16.74%

17.00%

15.57%

9.00%

-6.57pct

贷款/生息资产

67.25%

66.25%

66.38%

64.33%

64.87%

65.87%

65.65%

64.14%

-1.51pct

存款/计息负债

86.60%

84.53%

85.12%

89.50%

87.49%

89.07%

88.74%

89.81%

1.07pct

贷款较年初增量

21,237

25,077

29,006

12,804

16,495

17,247

18,423

8,781

-9,642

存款较年初增量

28,764

29,814

34,493

35,577

34,822

36,670

38,607

22,499

-16,108

不良贷款余额

1,605

1,640

1,672

1,792

1,822

1,855

1,858

1,897

40

不良贷款率

0.75%

0.75%

0.75%

0.76%

0.76%

0.77%

0.77%

0.76%

-0.01pct

拨备覆盖率

550.45%

536.96%

537.88%

539.18%

538.81%

528.40%

500.51%

489.56%

-10.95pct

关注贷款率

0.83%

1.05%

1.17%

1.24%

1.36%

1.52%

1.49%

逾期贷款率

1.02%

1.23%

1.54%

1.43%

逾期90天以上/不良

73.79%

79.40%

82.36%

78.53%

逾期1年以上/损失

298.63%

359.01%

364.70%

260.61%

逾期/不良

136.38%

163.18%

202.31%

184.86%

（重组+逾期）/不良

236.45%

281.67%

346.86%

384.41%

不良净新生成率

0.76%

0.71%

0.92%

-0.08%

1.26%

0.61%

1.43%

1.03%

-0.40pct

不良核销转出率

89.37%

82.00%

106.42%

-39.04%

150.14%

67.19%

179.10%

124.54%

-54.56pct

核心一级资本充足率

10.06%

10.24%

10.42%

10.15%

9.92%

10.58%

11.18%

10.78%

-0.40pct

资本充足率

13.56%

13.70%

13.86%

13.51%

13.22%

13.95%

14.19%

13.67%

-0.52pct

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

30.0%

营业收入同比增速 拨备前利润同比增速 归母净利