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 7,522,077 7,674,965 7,727,511 7,551,013 7,698,010 7,814,969 7,783,420 7,768,921 总贷款 4,383,813 4,384,877 4,498,726 4,423,227 4,441,038 4,450,480 4,520,467 4,469,874 总负债 6,887,701 7,037,164 7,075,029 6,941,371 7,051,721 7,158,401 7,117,492 7,066,609 总存款 4,289,221 4,353,281 4,325,560 4,137,534 4,264,698 4,332,681 4,436,443 4,382,087 营业收入 106,304 140,817 34,273 67,127 101,660 136,290 36,813 72,384 拨备前利润 68,125 84,584 22,990 44,136 63,615 80,025 25,285 49,179 净利润 33,837 35,986 13,487 22,709 30,716 32,722 12,782 21,476 总资产增速 5.44% 5.78% 1.64% -1.18% 2.34% 1.82% 0.72% 2.89% 贷款同比增速 6.11% 5.89% 3.73% 0.74% 1.31% 1.50% 0.48% 1.05% 营业收入同比增速 -2.11% -1.16% -6.80% -6.17% -4.37% -3.21% 7.41% 7.83% 拨备前利润同比增速 -4.30% -2.35% -9.38% -7.45% -6.62% -5.39% 9.98% 11.43% 归母净利润同比增速 -0.60% 1.57% -5.63% -5.48% -9.21% -9.85% -5.13% -4.87% 净息差（披露值） 1.48% 1.46% 1.38% 1.38% 1.40% 1.39% 1.41% 1.39% 净利差（披露值） 1.40% 1.37% 1.26% 1.26% 1.28% 1.28% 1.30% 1.30% 生息资产收益率（披露值） 3.80% 3.64% 3.55% 3.23% 计息负债成本率（披露值） 2.43% 2.38% 2.27% 1.93% 净息差（测算值） 1.53% 1.50% 1.37% 1.39% 1.39% 1.39% 1.39% 1.39% 净利差（测算值） 1.49% 1.46% 1.31% 1.34% 1.34% 1.34% 1.34% 1.33% 单季度净息差（测算值） 1.49% 1.44% 1.37% 1.39% 1.44% 1.40% 1.39% 1.37% 单季度净利差（测算值） 1.45% 1.39% 1.31% 1.33% 1.39% 1.35% 1.34% 1.32% ROA（年化） 0.61% 0.48% 0.70% 0.60% 0.53% 0.42% 0.66% 0.55% ROE（年化） 7.55% 6.10% 10.01% 7.04% 6.46% 5.18% 9.22% 7.14% 累计分红率(每股分红*股本/归母普通股净 30.02% 29.90% 30.04% 29.95% 利润） 杠杆率 7.43% 7.43% 7.46% 6.92% 7.14% 7.18% 7.24% 7.58% 总资产增速 5.44% 5.78% 1.64% -1.18% 2.34% 1.82% 0.72% 2.89% 风险加权资产增速 4.63% 4.22% 0.99% -0.81% 1.20% 1.61% 1.41% 2.47% ROE(年化)*(1-分红率) 5.27% 4.27% 7.01% 4.93% 4.52% 3.63% 6.45% 5.00% ROE(年化)*(1-分红率)-风险加权资产增速 0.65% 0.05% 6.02% 5.74% 3.33% 2.01% 5.05% 2.53% 成本收入比 32.07% 36.10% 29.32% 30.64% 33.79% 37.65% 27.46% 28.54% 存贷比 103.72% 102.38% 105.79% 108.82% 106.11% 104.74% 103.77% 103.69% 贷款同比增速 6.11% 5.89% 3.73% 0.74% 1.31% 1.50% 0.48% 1.05% 存款同比增速 4.53% 7.45% 1.65% -3.78% -0.57% -0.47% 2.56% 5.91% 贷款/生息资产 63.46% 62.06% 63.19% 63.87% 62.81% 62.35% 63.35% 63.21% 存款/计息负债 63.46% 63.05% 62.60% 61.14% 61.90% 62.17% 63.91% 63.99% 贷款较年初增量 242,669 243,733 113,849 38,350 56,161 65,603 69,987 19,394 存款较年初增量 237,629 301,689 -27,721 -215,747 -88,583 -20,600 103,762 49,406 不良贷款率 1.55% 1.48% 1.44% 1.47% 1.48% 1.47% 1.46% 1.48% 拨备覆盖率 149.21% 149.69% 149.36% 149.26% 146.26% 141.94% 144.27% 145.06% 拨贷比 2.32% 2.22% 2.16% 2.19% 2.16% 2.09% 2.11% 2.14% 关注率+不良率 4.22% 4.18% 4.07% 4.25% 4.26% 4.17% 4.15% 4.21% 逾期贷款率 2.00% 2.18% 2.09% 2.19% 逾期/不良 135.04% 148.36% 141.68% 148.47% 重组贷款率 0.52% 0.59% 0.59% 0.61% 逾期率+重组率 2.53% 2.77% 2.68% 2.80% 不良净新生成率（披露值） 不良生成率 2（测算核转） 0.92% 1.07% 0.72% 0.96% 1.02% 1.16% 0.83% 1.08% 核心一级资本充足率 9.05% 9.28% 9.35% 9.35% 9.30% 9.36% 9.34% 9.50% 一级资本充足率 10.71% 10.95% 10.99% 10.32% 10.76% 11.00% 10.95% 11.62% 资本充足率 12.85% 13.14% 12.38% 12.30% 12.66% 12.89% 12.69% 13.25% 流动性覆盖率 129.26% 146.06% 140.58% 140.61% 154.33% 161.99% 147.26% 155.16% 净稳定性资金比例 106.91% 104.78% 108.31% 105.22% 106.68% 股东数（户） 331,159 322,498 308,219 323,419 324,857 325,385 320,882 320,882