表 1：关键财务指标概览（单位：百万元） 关键财务指标（百万元） 2023Q1-3 2023A 2024Q1 2024H1 2024Q1-3 2024A 2025Q1 2025H1 总资产 15,315,359 15,726,631 16,331,949 16,413,529 16,746,265 17,084,910 17,689,399 18,190,521 总贷款 8,020,496 8,148,893 8,522,074 8,658,762 8,779,373 8,913,202 9,356,188 9,536,184 总负债 14,399,885 14,770,015 15,323,248 15,406,730 15,713,397 16,053,261 16,693,006 17,049,715 总存款 13,493,122 13,955,963 14,628,047 14,865,060 15,007,335 15,287,541 15,976,534 16,108,809 营业收入 260,122 342,507 89,430 176,789 260,349 348,775 89,363 179,446 拨备前利润 103,993 117,770 35,753 69,547 102,114 123,037 37,970 79,717 净利润 75,766 86,424 25,957 48,885 75,983 86,716 25,362 49,415 总资产增速 13.25% 11.80% 11.12% 8.53% 9.34% 8.64% 8.31% 10.83% 贷款同比增速 12.15% 13.02% 11.80% 10.69% 9.46% 9.38% 9.79% 10.13% 营业收入同比增速 1.24% 2.25% 1.44% -0.11% 0.09% 1.83% -0.07% 1.50% 拨备前利润同比增速 -8.82% -7.06% -6.12% -6.08% -1.81% 4.47% 6.20% 14.62% 归母净利润同比增速 2.45% 1.23% -1.35% -1.51% 0.22% 0.24% -2.62% 0.85% 净息差（披露值） 2.05% 2.01% 1.92% 1.91% 1.89% 1.87% 1.71% 1.70% 净利差（披露值） 2.03% 1.99% 1.90% 1.89% 1.85% 1.70% 1.69% 生息资产收益率（披露值） 3.56% 3.40% 3.32% 2.95% 计息负债成本率（披露值） 1.57% 1.51% 1.49% 1.47% 1.26% 净息差（测算值） 2.04% 2.00% 1.89% 1.89% 1.87% 1.85% 1.69% 1.68% 净利差（测算值） 2.02% 1.99% 1.87% 1.87% 1.86% 1.84% 1.68% 1.67% 单季度净息差（测算值） 1.99% 1.91% 1.89% 1.85% 1.85% 1.79% 1.69% 1.67% 单季度净利差（测算值） 1.97% 1.89% 1.87% 1.84% 1.84% 1.78% 1.68% 1.66% ROA（年化） 0.69% 0.58% 0.65% 0.61% 0.62% 0.53% 0.58% 0.56% ROE（年化） 12.90% 10.85% 12.36% 11.43% 11.79% 9.84% 11.33% 10.91% 累计分红率(每股分红*股本/归母普通 31.97% 33.67% 32.37% 34.28% 股净利润） 杠杆率 5.61% 5.78% 5.91% 5.83% 5.86% 5.72% 5.34% 5.92% 总资产增速 13.25% 11.80% 11.12% 8.53% 9.34% 8.64% 8.31% 10.83% 风险加权资产增速 14.93% 12.67% 11.10% 8.91% 7.98% 5.26% 6.84% 8.54% ROE(年化)*(1-分红率) 8.99% 7.44% 8.47% 7.84% 8.08% 6.66% 7.67% 7.39% ROE(年化)*(1-分红率)-风险加权资产 -5.95% -5.24% -2.62% -1.07% 0.11% 1.40% 0.83% -1.15% 增速 成本收入比 59.21% 64.82% 59.32% 59.93% 60.05% 64.23% 56.65% 54.70% 存贷比 59.44% 58.39% 58.26% 58.25% 58.50% 58.30% 58.56% 59.20% 贷款同比增速 12.15% 13.02% 11.80% 10.69% 9.46% 9.38% 9.79% 10.13% 存款同比增速 10.01% 9.76% 10.48% 11.75% 11.22% 9.54% 9.22% 8.37% 贷款/生息资产 55.48% 54.78% 55.38% 56.13% 55.75% 55.56% 56.32% 55.83% 存款/计息负债 94.26% 95.07% 96.08% 97.18% 96.11% 95.95% 96.42% 95.21% 贷款较年初增量 810,063 938,460 373,181 509,869 630,480 764,309 442,986 622,982 存款较年初增量 778,637 1,241,478 672,084 909,097 1,051,372 1,331,578 688,993 821,268 不良贷款率 0.81% 0.83% 0.84% 0.84% 0.86% 0.90% 0.91% 0.92% 拨备覆盖率 363.91% 347.57% 326.87% 325.61% 301.88% 286.15% 266.13% 260.35% 拨贷比 2.95% 2.88% 2.75% 2.72% 2.60% 2.58% 2.42% 2.39% 关注率+不良率 1.42% 1.50% 1.55% 1.65% 1.76% 1.85% 1.98% 2.13% 逾期贷款率 0.92% 0.91% 0.99% 1.06% 0.84% 1.19% 1.23% 1.23% 逾期/不良 114.10% 109.74% 117.42% 126.69% 97.77% 131.59% 135.00% 134.69% 重组贷款率 0.14% 0.18% 0.25% 0.24% 逾期率+重组率 0.92% 1.05% 0.99% 1.24% 0.84% 1.44% 1.23% 1.47% 不良生成率 2（测算核转） 0.46% 0.46% 0.58% 0.50% 0.55% 0.57% 0.84% 0.70% 核心一级资本充足率 9.46% 9.53% 9.41% 9.28% 9.42% 9.56% 9.21% 10.52% 一级资本充足率 11.19% 11.61% 11.76% 11.60% 11.71% 11.89% 10.86% 12.13% 资本充足率 13.83% 14.23% 14.33% 14.15% 14.23% 14.44% 13.34% 14.57% 流动性覆盖率 222.59% 303.61% 282.57% 242.91% 259.95% 287.28% 224.63% 223.29% 股东数（户） 152,790 183,091 160,105 151,835 148,714 138,167 180,558 180,558