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- 2023A 2024Q1 2024H1 2024Q1-3 2024A 2025Q1 2025H1 总资产 9,923,29 10,158,32 10,257,25 10,350,09 10,307,42 10,507,89 10,631,29 10,614,37总贷款 5,3143 ,93 5,4606, 935 5,5475, 252 5,6690, 093 5,7418, 603 5,7368, 610 5,8159, 387 5,9036, 433 总负债 9,1268 ,63 9,350,607 9,424,077 9,491,228 9,427,894 9,614,287 9,715,600 9,720,864 总存款 5,2848 ,96 5,217,064 5,190,098 5,477,380 5,521,282 5,630,360 5,726,556 5,964,497 营业收入 1615,2 96 210,831 57,751 113,043 164,217 212,226 55,683 110,458 拨备前利润 114,723 145,507 43,587 83,246 119,022 147,309 41,692 80,680 净利润 65,216 77,654 24,289 43,031 62,970 77,491 23,938 43,361 总资产增速 9.18% 9.62% 4.38% 4.65% 3.87% 3.44% 3.65% 2.55% 贷款同比增速 9.93% 9.59% 7.91% 8.55% 8.05% 5.05% 4.83% 4.13% 营业收入同比增速 -5.59% -5.19% 4.22% 1.80% 1.81% 0.66% -3.58% -2.29% 拨备前利润同比增速 -7.67% -6.03% 7.26% 3.75% 3.75% 1.24% -4.35% -3.08% 归母净利润同比增速 -9.53% -15.61% -3.10% 0.86% -3.02% 0.12% -2.22% 0.21% 净息差（披露值） 1.94% 1.93% 1.87% 1.86% 1.84% 1.82% 1.80% 1.75% 净利差（披露值） 1.66% 1.59% 1.57% 1.56% 1.57% 1.51% 生息资产收益率（披露值） 4.00% 3.84% 3.72% 3.37% 计息负债成本率（披露值） 2.34% 2.25% 2.17% 1.86% 净息差（测算值） 1.73% 1.71% 1.64% 1.64% 1.64% 1.62% 1.60% 1.59% 净利差（测算值） 1.79% 1.77% 1.67% 1.66% 1.67% 1.65% 1.62% 1.62% 单季度净息差（测算值） 1.70% 1.69% 1.64% 1.64% 1.60% 1.58% 1.60% 1.54% 单季度净利差（测算值） 1.75% 1.74% 1.67% 1.65% 1.61% 1.60% 1.62% 1.56% ROA（年化） 0.91% 0.80% 0.95% 0.84% 0.82% 0.75% 0.91% 0.82% ROE（年化） 12.13% 10.64% 13.48% 11.00% 10.92% 9.89% 12.24% 10.12% 累计分红率(每股分红*股本/归母普通股 29.63% 30.09% 净利润） 杠杆率 6.78% 6.83% 6.94% 7.07% 7.28% 7.35% 7.45% 7.58% 总资产增速 9.18% 9.62% 4.38% 4.65% 3.87% 3.44% 3.65% 2.55% 风险加权资产增速 11.87% 8.39% 8.48% 5.52% 4.77% 7.33% 5.91% 7.41% ROE(年化)*(1-分红率) 8.70% 7.49% 9.49% 7.74% 7.68% 6.90% 8.54% 7.06% ROE(年化)*(1-分红率)-风险加权资产增 -3.17% -0.90% 1.00% 2.22% 2.91% -0.42% 2.63% -0.35% 速 成本收入比 27.87% 29.97% 23.65% 25.41% 26.57% 29.50% 24.22% 25.89% 存贷比 101.85% 106.30% 108.69% 105.26% 105.84% 103.69% 103.33% 98.98% 贷款同比增速 9.93% 9.59% 7.91% 8.55% 8.05% 5.05% 4.83% 4.13% 存款同比增速 11.65% 8.94% 4.80% 5.36% 4.39% 7.92% 10.34% 8.89% 贷款/生息资产 60.89% 60.66% 60.71% 61.34% 62.86% 61.55% 61.33% 63.73% 存款/计息负债 59.24% 56.88% 56.31% 59.32% 59.76% 59.86% 60.22% 62.99% 贷款较年初增量 331,049 478,048 86,317 208,158 280,668 275,675 78,777 166,823 存款较年初增量 500,211 428,310 -26,966 260,316 304,218 413,296 96,196 334,137 不良贷款率 1.07% 1.07% 1.07% 1.08% 1.08% 1.07% 1.08% 1.08% 拨备覆盖率 237.78% 245.21% 245.51% 237.82% 233.54% 237.78% 233.42% 228.54% 拨贷比 2.55% 2.63% 2.63% 2.56% 2.53% 2.55% 2.52% 2.46% 关注率+不良率 2.60% 2.62% 2.77% 2.81% 2.85% 2.78% 2.79% 2.74% 逾期贷款率 1.36% 1.45% 1.59% 1.53% 逾期/不良 127.00% 135.05% 148.40% 142.37% 重组贷款率 0.06% 0.49% 0.48% 0.57% 逾期率+重组率 1.42% 1.94% 2.07% 2.10% 不良生成率 2（测算核转） 1.01% 1.02% 1.08% 1.29% 1.22% 1.11% 1.06% 1.16% 核心一级资本充足率 9.47% 9.76% 9.52% 9.48% 9.70% 9.75% 9.60% 9.54% 一级资本充足率 10.64% 10.93% 10.64% 10.98% 11.20% 11.23% 11.02% 11.30% 资本充足率 13.78% 14.13% 13.70% 14.44% 14.27% 14.28% 13.97% 14.18% 流动性覆盖率 129.67% 156.47% 155.79% 166.73% 141.91% 169.24% 145.76% 130.35% 股东数（户） 308,759 330,688 299,560 266,732 242,314 229,100 203,974 203,974