銀行深度 -39家上市銀行三季報綜述與拆分：收入增速分化有收斂＆收入展望

請務必閱讀正文之后的重要聲明部分分析師戴志鋒分析師戴志鋒基本狀況行業(yè)總市值(百萬元)行業(yè)-市場走勢對比10% 相關報告投資要點需求不足帶來的價格壓力蔓延到全部板塊，不同板塊銀行基于不同類型客群的定價潤同比+2.5%；與營收不同，業(yè)績的釋放、板塊間的分化還產(chǎn)質(zhì)量壓力處于不同階段，對應的利潤釋放策略也不一致；其中資產(chǎn)質(zhì)量包袱相對結(jié)構(gòu)有所改善；貸款中票據(jù)有所提升，對價格有一定拖累。定價維度，預計價格進而存款利率定價相對更加剛性，掛牌利率的下調(diào)反映到息差預成本存款占比的提升一定程度拉低負債端綜合成本，布存款結(jié)構(gòu)明細的銀行數(shù)據(jù)來看，定期存款尤其是成本較高的個人定期存款占比進（VS1H23同比增4.1%手續(xù)費和其他非息收入均有所放緩。1）請務必閱讀正文之后的重要聲明部分-2-動造成的低基數(shù)基礎上有望增速提高。去年四季度債市波動對其他非息收入造成比請務必閱讀正文之后的重要聲明部分-3-一、三季度業(yè)績情況：營收同比-1.2%；凈利潤同比+2.5% 二、收入端拆解：凈利息同比-2%；凈非息同比+1.3% 三、資產(chǎn)質(zhì)量：整體穩(wěn)??；新生不良下降；安全邊際維持較高水平 五、其他財務指標分析 請務必閱讀正文之后的重要聲明部分-4-一、三季度業(yè)績情況：營收同比-1.2%；凈利潤同比+2.5%1.1營收情況：同比-1.2%；板塊間的增速差在收斂。大行、股份行、城商行和農(nóng)商行分別同比-0.4%、-異化在收斂。請務必閱讀正文之后的重要聲明部分-5-%%%%營收PPOP20211Q221H223Q2220221Q231H233Q23環(huán)比變動20211Q221H223Q2220221Q231H233Q23環(huán)比變動工商銀行7.8%4.0%3.4%建設銀行7.2%2.0%2.4%0.6%3.9%0.6%農(nóng)業(yè)銀行9.3%4.5%2.8%0.2%2.1%0.8%7.4%4.8%中國銀行0.9%2.6%7.6%4.9%4.2%2.0%8.7%4.0%交通銀行2.7%3.2%0.1%4.2%4.1%0.9%9.2%3.8%0.7%3.3%4.2%郵儲銀行7.8%3.5%2.0%8.1%4.0%%%招商銀行8.3%3.7%8.7%4.1%3.8%中信銀行4.1%2.7%3.4%3.3%2.8%浦發(fā)銀行0.8%0.1%0.2%0.4%民生/銀行興業(yè)銀行8.7%4.2%0.9%光大銀行7.1%0.2%0.3%%0.0%4.2%0.6%華夏銀行0.6%0.7%0.7%平安銀行8.7%8.7%-9.9%7.4%浙商銀行22.5%2.4%4.6%4.0%20.7%25.3%9.2%0.4%北京銀行3.0%2.0%3.2%0.0%0.8% 南京銀行20.5%9.0%3.3%%22.4%7.9%3.1%0.5%寧波銀行28.4%9.7%8.4%9.3%-30.7%8.8%7.7% 江蘇銀行22.6%9.1%24.6%7.3%9.8%9.2%貴陽銀行2.5%9.5%4.3%3.1%3.4%3.6%杭州銀行7.5%8.4%3.7%4.1%2.7%上海銀行2.9%0.9%0.5%7.0%2.0%0.7%0.5%成都銀行22.5%9.7%9.5%24.4%9.0%9.4%7.8%長沙銀行8.7%9.6%8.4%-7.2%8.8%9.7%-青島銀行4.5%2.0%2.9%4.0%4.5%0.5%鄭州銀行7.2%8.9%2.0%0.5%西安銀行0.9%3.7%0.0%3.8%3.0%蘇州銀行4.5%8.2%8.7%2.0%-0.9%4.1%8.4%2.8%2.9%-廈門/銀行3.5%齊魯銀行28.2%8.8%8.7%8.3%32.0%22.5%8.5%9.1%重慶銀行3.0%江陰銀行0.4%22.3%26.3%21.9%4.1%0.4%31.7%36.0%27.7%8.4% 無錫銀行9.2%3.1%3.5%2.8%0.9%%8.9%4.5%0.1%2.4%常熟銀行0.2%23.9%20.6%22.0%20.9%9.8%8.4%3.6%蘇農(nóng)銀行2.2%0.3%0.5%0.2%9.2%8.0%9.0%4.0%2.3%0.9%張家港行7.0%4.6% 9.7%29.6%-青農(nóng)商行7.6%7.3%4.9%2.6%4.9%3.0%紫金銀行0.6%3.5%2.7%2.1%0.0%0.4%0.4%0.0%4.0%0.1%0.3%2.7%2.4%渝農(nóng)商行9.3%0.9%0.1%8.8%0.1%2.6%上市銀行7.8%4.1%4.2%2.7%0.6%0.6%0.0%-1.2%5.5%3.4%3.0%1.0%-1.4%-1.2%-2.1%-3.5%國有行8.3%3.8%4.3%2.2%0.1%1.8%0.7%-0.4%5.7%3.7%3.0%0.8%-1.7%0.1%-1.2%-2.8%股份行5.3%3.5%2.7%1.8%0.4%-3.0%-2.9%-4.0%3.3%1.6%1.2%-0.6%-1.9%-4.6%-4.9%-5.7%城商行13.4%8.9%10.0%10.4%5.4%3.8%3.8%2.0%11.9%8.4%9.9%9.4%3.4%1.3%1.1%-0.6%農(nóng)商行8.5%4.5%4.5%2.6%-0.1%1.8%1.3%0.6%7.1%5.6%4.1%0.3%-3.2%-3.3%-1.7%-1.2%0.5%共同驅(qū)動對應的利潤釋放策略也不一致；其中資產(chǎn)質(zhì)量包袱相對較小的上市城商備共同貢獻利潤釋放。度最小主要是由于撥備反哺和稅收貢獻力度大所致。成都銀行，同比增速在20%以上。與營收端高增匹配的是江蘇、常熟和請務必閱讀正文之后的重要聲明部分-6-3232成都銀行。杭州和蘇州銀行在優(yōu)異的資產(chǎn)質(zhì)量下?lián)軅浞床咐麧櫴堑谝回?Q223Q23環(huán)比變動 --廈門/銀行股份行城商行2.1凈利息收入：同比拆解和環(huán)比變動分析請務必閱讀正文之后的重要聲明部分-7-規(guī)模擴張放緩共同影響度凈利息收入唯一正增長的子板塊，城商行主要是低利率時期下主動負>大行（-1.9%股份行（-3.6%）。板塊主要是息差邊際降幅略大，核心原因也是負債端的支撐力度在邊際行規(guī)模增速不低的同時、息差降幅也好于可比同業(yè)；青島銀行主要是息請務必閱讀正文之后的重要聲明部分-8-.2..%%%.4%..2..%%%.4%.凈利息收入同比增速生息資產(chǎn)同比增速20211Q221H223Q2220221Q231H233Q23同比環(huán)比變動20211Q221H223Q2220221Q231H233Q23同比環(huán)比變動工商銀行6.8%6.2%4.3%3.0%0.4%6.0%8.5%建設銀行5.1%8.5%7.3%7.8%6.2%7.6%8.9% 農(nóng)業(yè)銀行6.0%7.7%5.9%4.3%2.1%0.0%7.4%8.7%中國銀行2.2%5.3%7.0%8.2%8.4%7.0%4.8%3.2% 6.4%6.4%8.9%8.8%%交通銀行5.5%8.4%7.3%5.1%0.1%9.4%9.9%9.6%9.3%9.1%郵儲銀行6.3%4.1%3.8%2.3%2.3%3.1%0.8%招商銀行8.4%7.6%7.0%0.1%8.8%9.3%8.9%9.9%中信銀行0.6%7.3%5.4%5.7%8.7%6.1%6.9%6.2%3.3%浦發(fā)銀行2.5%0.2%2.7%4.7%4.7%3.5%7.5%5.0%4.6%4.7%民生/銀行0.3%3.6%4.2%6.2%4.3%5.4%興業(yè)銀行2.4%0.7%9.7%6.4%7.7%9.9%9.3%光大銀行0.1%%%8.1%9.6%6.7%6.8%8.2%9.5%華夏銀行8.2%9.2%7.4%5.5%4.8%5.6%6.3%平安銀行6.1%7.3%7.9%8.7%8.1%0.5%8.6%7.1%8.4%6.9%7.1%6.6%浙商銀行2.2%3.2%20.4%北京銀行0.7%0.5%0.1%0.1%5.0%3.0%4.5%3.9%南京銀行0.3%4.8%0.6%寧波銀行8.3%8.0%25.7%30.8%23.3%20.4%江蘇銀行23.0%6.4%7.1%0.7%貴陽銀行0.9%6.5%7.2%3.0%4.4%5.6%7.3%6.2%6.8%6.9%5.3% 杭州銀行9.1%3.5%7.5%8.7%8.5%3.8%上海銀行9.1%5.7%3.1%8.4%8.3%7.2%7.5%8.8%7.0%6.9%6.4%成都銀行21.9%9.6%21.8%21.9%長沙銀行7.7%8.7%7.0%8.9%青島銀行6.1%8.4%6.3%4.7%0.6%4.4%5.7%9.1%鄭州銀行6.3%8.3%8.2%2.6%0.5%4.0%3.4%5.9%2.9%5.2%5.6%4.3%西安銀行9.2%9.5%7.5%21.8% 蘇州銀行0.1%4.0%7.9%7.3%4.0%廈門/銀行7.7%7.4%8.1%0.8%20.1%6.6%0.8%4.5%齊魯銀行8.2%20.6%20.1%重慶銀行4.9%0.6%9.8%9.6%9.4%9.3%江陰銀行22.1%20.3%2.4%7.3%9.8%7.6%無錫銀行6.9%5.5%2.5%9.3%5.9%3.6%5.0%8.9%9.0%常熟銀行24.0%20.9%蘇農(nóng)銀行5.5%4.5%3.4%0.1%張家港行2.5%5.7%6.5%5.7%6.1%6.1%3.5%0.6% 9.5%青農(nóng)商行0.2%5.9%4.4%2.8%4.9%4.9%7.3%紫金銀行3.1%3.2%0.3%0.8%2.5%8.8%9.1%渝農(nóng)商行8.2%7.9%6.7%6.9%9.3%9.1%8.6%上市銀行4.6%5.1%4.5%4.1%3.0%-1.8%-1.4%-2.0%8.3%8.8%10.0%10.9%11.8%12.7%12.1%11.2%國有行5.4%6.9%5.9%5.3%3.7%-2.0%-1.3%-1.9%8.0%8.6%10.7%12.4%13.4%14.5%13.7%12.4%股份行1.6%0.7%0.7%0.8%0.6%-3.3%-3.2%-3.6%7.5%8.2%7.7%6.9%7.5%8.0%7.6%7.3%城商行9.4%6.3%6.1%6.7%5.8%4.1%3.3%2.3%12.3%12.1%11.8%11.3%13.0%12.6%12.9%13.2%%農(nóng)商行6.3%3.1%2.0%0.6%1.1%-0.2%-0.9%-1.4%10.0%9.7%8.0%7.5%7.9%10.2%9.9%9.7%中小行邊際略擴大。請務必閱讀正文之后的重要聲明部分-9-累積年化凈息差同比變動20221Q231H233Q2320221Q231H233Q23工商銀行建設銀行農(nóng)業(yè)銀行中國銀行交通銀行郵儲銀行招商銀行中信銀行浦發(fā)銀行民生/銀行興業(yè)銀行光大銀行華夏銀行平安銀行浙商銀行北京銀行南京銀行寧波銀行2.04%2.00%1.95%1.90%-0.23%-0.20%-0.01%-0.11%江蘇銀行貴陽銀行杭州銀行上海銀行成都銀行長沙銀行2.41%2.35%2.35%2.34%-0.01%0.01%0.01%-0.05%青島銀行1.82%1.85%1.87%1.87%0.03%0.14%0.10%0.07%鄭州銀行西安銀行蘇州銀行廈門/銀行齊魯銀行重慶銀行江陰銀行無錫銀行常熟銀行2.95%3.02%2.95%2.90%-0.10%-0.01%-0.07%-0.14%蘇農(nóng)銀行張家港行青農(nóng)商行紫金銀行渝農(nóng)商行上市銀行1.92%1.75%1.73%1.70%-0.13%-0.25%-0.23%-0.24%國有行1.87%1.70%1.67%1.65%-0.13%-0.28%-0.26%-0.26%股份行2.04%1.89%1.86%1.85%-0.13%-0.21%-0.20%-0.21%城商行1.88%1.80%1.76%1.74%-0.11%-0.13%-0.14%-0.16%農(nóng)商行2.09%1.96%1.93%1.91%-0.14%-0.17%-0.18%-0.19%+1.5%和-0.3%。城商行凈利息收入環(huán)比實現(xiàn)正增，主要是由于生息資產(chǎn)資產(chǎn)規(guī)模環(huán)比負增，都對凈利息收入造成了拖累。個股方面北京和紫金行業(yè)凈息差環(huán)比繼續(xù)下降4bp，降幅略超預期。大行、股份行、城商行率環(huán)比下行1bp。大行、股份行、城商行和農(nóng)商行資產(chǎn)端收益率分別環(huán)結(jié)構(gòu)進一步改善。信貸結(jié)構(gòu)中對公和零售貸款占比均有所下降，票據(jù)占生息資產(chǎn)收益率計息負債付息率工商銀行4Q221Q232Q233Q23Q1環(huán)比變動Q2環(huán)比變動Q3環(huán)比變動1Q232Q233Q23Q1環(huán)比變動Q2環(huán)比變動Q3環(huán)比變動建設銀行農(nóng)業(yè)銀行交通銀行郵儲銀行招商銀行浦發(fā)銀行民生/銀行興業(yè)銀行光大銀行華夏銀行平安銀行浙商銀行北京銀行南京銀行寧波銀行江蘇銀行貴陽銀行杭州銀行上海銀行成都銀行長沙銀行青島銀行鄭州銀行西安銀行蘇州銀行廈門/銀行齊魯銀行重慶銀行江陰銀行無錫銀行常熟銀行蘇農(nóng)銀行張家港行青農(nóng)商行紫金銀行渝農(nóng)商行上市銀行3.72%3.66%3.64%3.62%2.03%2.06%2.09%0.02%0.03%0.03%股份行3.51%3.47%3.44%3.43%2.01%0.03%0.03%0.05%城商行4.14%4.04%4.01%4.00%2.19%2.23%2.24%0.01%0.03%0.01%農(nóng)商行4.18%4.15%4.11%4.10%2.28%2.32%2.34%0.00%0.04%0.01%4.12%4.03%3.97%3.94%2.16%2.18%2.17%0.00%0.02%債成本環(huán)比仍保持上升，存款利率下調(diào)還需一定時間起效。隨著資金市負債端綜合成本，不過由于居民風險偏好降低，企業(yè)投資意愿不足，再明細的銀行數(shù)據(jù)來看，定期存款尤其是成本較高的個人定期存款占比進一步上升，推動綜合負債成本提升。工商銀行建設銀行農(nóng)業(yè)銀行中國銀行交通銀行郵儲銀行招商銀行中信銀行浦發(fā)銀行民生/銀行興業(yè)銀行光大銀行華夏銀行平安銀行浙商銀行北京銀行南京銀行寧波銀行江蘇銀行貴陽銀行杭州銀行上海銀行成都銀行長沙銀行青島銀行鄭州銀行西安銀行蘇州銀行江陰銀行無錫銀行常熟銀行蘇農(nóng)銀行張家港行青農(nóng)商行紫金銀行渝農(nóng)商行廈門/銀行齊魯銀行滬農(nóng)商行重慶銀行蘭州銀行瑞豐銀行股份行城商行農(nóng)商行總計存款同業(yè)負債發(fā)債1Q231H233Q23環(huán)比變動1Q231H233Q23環(huán)比變動1Q231H233Q23環(huán)比變動工商銀行建設銀行農(nóng)業(yè)銀行中國銀行交通銀行郵儲銀行招商銀行中信銀行浦發(fā)銀行民生/銀行興業(yè)銀行光大銀行華夏銀行平安銀行浙商銀行北京銀行南京銀行寧波銀行江蘇銀行貴陽銀行杭州銀行上海銀行成都銀行長沙銀行青島銀行鄭州銀行西安銀行蘇州銀行廈門/銀行齊魯銀行重慶銀行江陰銀行無錫銀行常熟銀行蘇農(nóng)銀行張家港行青農(nóng)商行紫金銀行渝農(nóng)商行上市銀行77.8%77.5%77.7%國有行83.3%82.5%82.9%5.4%5.4%5.6%股份行67.1%67.8%67.6%21.3%20.5%20.9%城商行66.8%65.5%65.3%20.1%農(nóng)商行76.9%77.6%77.3%9.9%9.6%9.5%2.2凈非息收入：同比+1.3%，手續(xù)費和其他非息增幅均放緩手續(xù)費和其他非息收入均有所放緩。三季度行業(yè)非息收入、凈手續(xù)費和比相對較高，受資金市場利率波動影響也比較超35%。其中招商銀行是手續(xù)費主要貢獻，南京、寧波和杭州銀行則是估計有部分是互聯(lián)網(wǎng)貸款壓降以后、手續(xù)費支出同步減少的影響。請務必閱讀正文之后的重要聲明部分-20-結(jié)算與清算代理及受托銀行卡手續(xù)費信貸承諾及融資咨詢1H2220221H231H2220221H231H2220221H231H2220221H23工商銀行建設銀行43.3%40.6%40.3%農(nóng)業(yè)銀行中國銀行交通銀行47.6%45.9%46.8%郵儲銀行4.8%招商銀行中信銀行40.9%41.3%42.8%40.1%浦發(fā)銀行40.6%40.5%民生//銀行41.0%44.9%47.2%44.4%42.8%4.7%4.1%興業(yè)銀行41.2%42.2%光大銀行40.4%43.4%41.0%華夏銀行40.1%41.0%平安銀行48.8%49.1%43.4%浙商銀行42.3%46.1%41.0%44.6%北京銀行49.1%4.6%南京銀行44.7%寧波銀行江蘇銀行貴陽銀行4.4%49.7%杭州銀行上海銀行4.6%成都銀行4.8%長沙銀行40.9%42.4%青島銀行4.7%鄭州銀行西安銀行41.2%45.8%蘇州銀行4.3%4.3%4.7%4.3%廈門/銀行49.7%齊魯銀行40.6%重慶銀行44.5%江陰銀行無錫銀行常熟銀行46.4%蘇農(nóng)銀行張家港行青農(nóng)商行49.8%46.0%紫金銀行44.8%4.8%渝農(nóng)商行49.9%42.6%上市銀行16.5%16.7%17.2%39.5%38.2%38.3%19.7%21.9%20.5%17.6%15.9%17.5%國有行21.1%22.4%21.2%39.4%37.6%37.5%14.7%16.8%15.7%16.4%13.9%17.4%股份行9.3%8.6%10.4%34.8%33.9%36.1%31.3%33.0%32.3%19.4%19.2%16.9%城商行5.6%5.0%5.5%68.8%71.3%63.6%4.0%4.4%5.0%20.5%18.5%23.5%農(nóng)商行15.6%14.1%15.8%55.0%57.9%50.0%8.9%11.7%15.3%5.2%三、資產(chǎn)質(zhì)量：整體穩(wěn)??；新生不良下降；安全邊際維持較高水平3.1不良維度：新生不良壓力減??；不良率環(huán)比持平且處歷史低位請務必閱讀正文之后的重要聲明部分-21-位，較年初下降3bp，全年維持波動改善趨勢。板塊方面，大行、農(nóng)商請務必閱讀正文之后的重要聲明部分-22-202020211H223Q2220221Q231H233Q233Q23環(huán)比變動3Q23較年初變動工商銀行0.00%建設銀行0.00%農(nóng)業(yè)銀行中國銀行交通銀行郵儲銀行0.88%0.82%0.83%0.82%0.84%0.82%0.81%0.81%0.00%招商銀行0.91%0.95%0.95%0.96%0.95%0.95%0.96%0.00%0.00%中信銀行0.02%浦發(fā)銀行0.02%民生/銀行興業(yè)銀行0.00%光大銀行0.05%0.10%華夏銀行0.00%平安銀行0.01%浙商銀行0.00%北京銀行南京銀行0.92%0.92%0.90%0.90%0.90%0.90%0.90%0.90%0.00%0.00%寧波銀行0.79%0.77%0.77%0.77%0.75%0.76%0.76%0.76%0.00%0.01%江蘇銀行0.98%0.96%0.94%0.92%0.91%0.91%0.00%貴陽銀行0.14%0.17%杭州銀行0.86%0.79%0.77%0.77%0.76%0.76%0.76%0.00%上海銀行成都銀行0.98%0.83%0.81%0.78%0.76%0.72%0.71%0.00%長沙銀行0.00%0.00%青島銀行0.00%鄭州銀行2.08%0.01%0.00%西安銀行0.01%0.01%蘇州銀行0.90%0.88%0.88%0.87%0.86%0.84%廈門/銀行0.98%0.91%0.90%0.86%0.86%0.86%0.80%0.79%齊魯銀行重慶銀行0.12%江陰銀行0.98%0.98%0.98%0.97%0.98%0.98%0.00%無錫銀行0.93%0.87%0.86%0.81%0.78%0.77%0.78%0.00%常熟銀行0.96%0.81%0.80%0.78%0.81%0.75%0.75%0.75%0.00%蘇農(nóng)銀行0.95%0.94%0.95%0.94%0.92%0.91%0.00%張家港行0.94%0.91%0.90%0.89%0.85%0.88%0.95%0.07%0.06%青農(nóng)商行2.19%2.09%紫金銀行渝農(nóng)商行上市銀行1.48%1.34%1.33%1.31%1.30%1.27%1.28%1.27%0.00%國有行1.50%1.36%1.36%1.34%1.33%1.29%1.30%1.30%股份行1.47%1.33%1.32%1.30%1.29%1.27%1.26%1.27%0.01%城商行1.29%1.16%1.16%1.13%1.10%1.08%1.06%1.06%0.00%農(nóng)商行1.33%1.24%1.17%1.19%1.22%1.19%1.16%1.16%請務必閱讀正文之后的重要聲明部分-23-請務必閱讀正文之后的重要聲明部分-24-2019202020213Q2220223Q23廈門/銀行1.57%1.56%1.41%1.29%1.14%1.31%1.11%1.26%1.36%1.30%1.26%1.09%1.13%1.10%1.09%1.08%2.07%2.16%1.77%1.75%1.21%1.78%1.23%1.69%1.68%1.84%1.51%1.48%0.65%1.51%0.54%1.36%1.58%1.43%1.13%1.22%1.41%1.38%請務必閱讀正文之后的重要聲明部分-25-撥備覆蓋率撥貸比20221Q231H233Q233Q23環(huán)比較年初20221Q231H233Q233Q23環(huán)比較年初工商銀行209.47%213.57%218.62%216.22%-2.40%6.75%2.90%2.94%2.97%2.94%-0.03%0.04%建設銀行241.53%241.68%244.48%243.31%-1.17%1.78%3.34%3.33%3.35%3.33%-0.02%-0.01%農(nóng)業(yè)銀行302.60%302.61%304.67%304.12%-0.55%1.52%4.16%4.12%4.13%4.09%-0.03%-0.07%中國銀行188.73%202.56%188.39%195.18%6.79%6.45%2.50%2.38%2.42%2.47%0.05%-0.02%交通銀行180.68%183.25%192.85%198.91%6.06%18.23%2.44%2.46%2.60%2.63%0.03%0.19%郵儲銀行385.51%381.12%381.28%363.91%-17.37%-21.60%3.25%3.13%3.07%2.93%-0.14%-0.31%招商銀行450.79%448.32%447.63%445.86%-1.77%-4.93%4.32%4.27%4.27%4.27%0.00%-0.05%中信銀行201.19%208.87%208.28%209.51%1.23%8.32%2.55%2.54%2.51%2.56%0.05%0.01%浦發(fā)銀行159.04%160.78%170.45%177.04%6.59%18.00%2.42%2.44%2.54%2.68%0.14%0.26%民生//銀行142.49%144.11%146.85%149.21%2.36%6.73%2.39%2.30%2.31%2.32%0.01%-0.07%興業(yè)銀行236.44%232.81%245.77%237.78%-8.00%1.33%2.59%2.53%2.65%2.55%-0.09%-0.03%光大銀行187.93%188.16%185.66%175.65%-10.01%-12.28%2.35%2.35%2.42%2.37%-0.05%0.02%華夏銀行159.88%162.21%161.93%160.06%-1.88%0.18%2.80%2.81%2.78%2.75%-0.03%-0.05%平安銀行290.28%290.40%291.51%282.62%-8.89%-7.67%3.04%3.05%3.00%2.94%-0.06%-0.10%浙商銀行182.19%182.86%182.42%182.94%0.52%0.75%2.67%2.63%2.64%2.65%0.01%-0.03%北京銀行210.04%217.01%217.65%215.23%-2.42%5.19%3.00%2.95%2.91%2.86%-0.04%-0.14%南京銀行397.21%392.36%380.11%380.86%0.75%-16.35%3.58%3.53%3.41%3.42%0.01%-0.15%寧波銀行504.92%501.46%488.91%480.54%-8.37%-24.38%3.79%3.79%3.71%3.66%-0.04%-0.13%江蘇銀行362.06%365.71%370.33%366.35%-3.99%4.28%3.41%3.38%3.37%3.33%-0.04%-0.08%貴陽銀行260.80%260.35%274.46%264.84%-9.61%4.05%3.79%3.87%4.05%4.29%0.24%0.50%杭州銀行565.13%568.68%571.18%569.52%-1.66%4.39%4.36%4.31%4.34%4.33%-0.01%-0.03%上海銀行291.63%286.83%284.53%290.02%5.49%-1.61%3.64%3.58%3.47%3.50%0.03%-0.14%成都銀行501.72%481.16%511.83%516.41%4.58%14.69%3.89%3.67%3.67%3.68%0.01%-0.21%長沙銀行311.06%312.27%313.07%311.24%-1.84%0.18%3.61%3.61%3.62%3.61%-0.01%0.00%青島銀行219.80%232.83%237.36%254.68%17.32%34.88%2.65%2.66%2.71%2.90%0.19%0.25%鄭州銀行165.71%159.23%167.45%161.19%-6.26%-4.52%3.12%2.99%3.13%3.03%-0.10%-0.09%西安銀行201.77%210.97%213.24%223.41%10.16%21.64%2.53%2.62%2.66%2.81%0.16%0.28%蘇州銀行530.69%519.52%511.85%524.14%12.29%-6.55%4.67%4.52%4.40%4.41%0.01%-0.26%廈門/銀行388.04%373.17%394.66%393.08%-1.57%5.04%3.34%3.21%3.16%3.11%-0.05%-0.23%齊魯銀行281.02%284.87%302.06%313.89%11.83%32.87%3.63%3.64%3.84%3.96%0.12%0.33%重慶銀行209.41%234.92%250.72%225.38%-25.34%15.97%2.89%2.92%3.04%3.00%-0.04%0.11%江陰銀行470.13%481.03%500.64%473.14%-27.49%3.01%4.61%4.66%4.92%4.62%-0.31%0.01%無錫銀行552.41%554.61%553.51%547.35%-6.16%-5.05%4.46%4.34%4.29%4.25%-0.04%-0.21%常熟銀行537.05%547.31%550.06%536.99%-13.07%-0.06%4.35%4.12%4.12%4.03%-0.08%-0.32%蘇農(nóng)銀行443.11%443.89%452.36%443.04%-9.32%-0.07%4.21%4.19%4.15%4.04%-0.11%-0.17%張家港行521.04%520.38%510.18%445.15%-65.03%-75.89%4.63%4.41%4.49%4.24%-0.25%-0.39%青農(nóng)商行207.58%227.84%237.15%232.29%-4.86%24.70%4.55%4.76%4.58%4.38%-0.19%-0.16%紫金銀行246.63%253.47%251.23%253.66%2.44%7.04%2.97%3.02%2.99%2.95%-0.04%-0.02%渝農(nóng)商行357.55%349.62%350.66%353.89%3.23%-3.66%4.36%4.25%4.24%4.26%0.02%-0.10%上市銀行240.75%244.53%245.44%245.16%-0.28%4.41%3.13%3.11%3.13%3.12%-0.01%-0.01%國有行239.00%243.37%243.16%243.22%0.06%4.21%3.17%3.15%3.17%3.15%-0.02%-0.02%股份行221.95%224.00%227.14%226.11%-1.03%4.16%2.86%2.84%2.87%2.87%0.00%0.01%城商行320.73%323.00%324.73%324.61%-0.11%3.88%3.52%3.48%3.44%3.44%0.00%-0.08%農(nóng)商行350.29%355.14%361.67%357.15%-4.52%6.86%4.29%4.23%4.21%4.13%-0.08%-0.16%的覆蓋程度較高，撥貸比高的個股?；谝陨蠗l件，篩選出大行中的郵請務必閱讀正文之后的重要聲明部分-26-排名低不良率低不良凈生成高撥備覆蓋率高撥貸比1杭州銀行23杭州銀行45杭州銀行6杭州銀行789排名銀行上榜次數(shù)1杭州銀行4243443536372829222州、廈門、齊魯銀行。請務必閱讀正文之后的重要聲明部分-27-排名不良率不良凈生成撥備覆蓋率撥貸比123456789排名銀行上榜次數(shù)14233342526272829222對業(yè)績的負向貢獻分別為-0.6%和-2.2請務必閱讀正文之后的重要聲明部分-28-...6....%324-....%4-...%085-.....6....%324-....%4-...%085-..定程度繼續(xù)拖累。撥備計提力度有所增加，對利潤的正向貢獻也有所收營收規(guī)模增長息差擴大凈手續(xù)費凈其他非息20221Q231H233Q2320221Q231H233Q2320221Q231H233Q2320221Q231H233Q2320221Q231H233Q23工商銀行-2.2%-2.7%-3.1%-4.2%9.9%13.6%13.5%13.5%-9.5%-18.4%-17.4%-18.2%-0.5%0.4%0.1%-0.2%-2.1%1.7%0.7%0.7%建設銀行-0.9%1.1%-0.5%-1.1%11.5%15.6%14.5%12.6%-5.3%-19.7%-16.3%-15.6%-1.8%1.4%0.4%0.5%-5.3%3.8%0.8%1.5%農(nóng)業(yè)銀行0.2%2.1%0.8%-0.6%12.3%18.3%17.3%15.7%-10.2%-21.8%-20.5%-18.9%-0.1%1.1%0.8%0.3%-1.8%4.5%3.2%2.3%中國銀行1.9%7.6%5.9%4.9%9.4%10.3%10.3%10.4%-1.0%-3.3%-5.6%-7.2%-3.2%-1.5%0.0%0.1%-3.3%2.1%1.2%1.6%交通銀行0.1%4.2%4.1%1.0%10.1%10.9%10.4%10.0%-5.0%-15.3%-13.6%-13.0%-2.6%-0.8%0.5%0.2%-2.4%9.4%6.7%3.8%郵儲銀行5.1%3.5%2.0%1.2%11.4%11.3%12.3%12.4%-9.8%-10.3%-10.0%-9.3%2.1%3.1%0.0%-0.3%1.4%-0.6%-0.3%-1.6%招商銀行3.7%-1.8%-0.5%-1.9%10.4%11.1%10.6%10.1%-3.4%-9.4%-9.4%-10.0%-2.3%-4.9%-4.3%-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0% .9% .1% .4%0%0.%3%1%6%%1.7%71.4%4股份行04%-.0%-.9%-.0%5%7.5%7.7.8%7.7%7.6%9%.1%.9%.3%6%-2.5%5%6%03%1.8%81.2%2城商行54%3.8%3.8%12.2%12.2%12.8%12.8%12.7%12.7%12.8%12.8%5%7%4%.5%9%-4.0%0%7%6%3.5 %52. %農(nóng)商行-.1%1%1.3%6%8.6%9.1%9.1%9.3%9.3%9.4%9.4% 5% 3%.3%.9%9%0.%3%01%6%2. 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銀行27.9%30.4%26.4%27.4%28.5%0.2%0.6%0.9%4.8%6.5%7.0%交通銀行31.5%32.0%32.0%31.3%32.5%0.1%8.4%3.1%7.2%4.4%4.0%郵儲銀行54.9%61.4%55.9%57.3%59.2%4.1%4.4%9.4%9.9%9.3%招商銀行30.0%33.4%28.1%29.6%30.6%0.6%6.8%3.3%4.1%4.4%0.0%中信銀行25.6%30.5%27.6%26.4%27.5%2.2%2.0%9.5%8.1%6.5%6.9%4.9%浦發(fā)銀行26.4%28.1%24.4%26.8%28.1%2.1%8.8%5.3%0.3%民生/銀行31.8%36.4%27.7%30.2%32.8%5.8%3.0%3.9%0.3%0.8%興業(yè)銀行26.0%29.2%25.5%26.6%27.7%23.3%2.9%0.5%光大銀行24.4%28.1%24.5%25.1%26.2%2.6%華夏銀行29.5%30.1%28.3%28.2%29.8%0.3%0.4%8.6%平安銀行26.4%27.5%26.2%26.5%26.6%0.0%0.1%3.2%3.0%浙商銀行24.9%27.5%28.9%27.7%27.4%3.8%2.4%21.7%24.8%21.2%北京銀行23.7%26.6%27.5%24.9%28.0%3.3%4.3%6.4%南京銀行26.3%29.8%25.4%27.6%26.9%3.0%0.6%3.8%寧波銀行34.8%37.3%33.8%34.8%37.2%0.8%2.5%江蘇銀行21.1%24.6%20.3%20.9%20.9%0.5%21.0%9.0%8.4%貴陽銀行23.6%26.8%23.7%24.4%24.3%0.7%5.2%3.9%杭州銀行25.4%29.6%24.9%24.7%27.1%21.8%上海銀行20.2%23.0%20.8%22.0%23.0%3.3%2.8%6.3%7.1%7.4%成都銀行23.0%24.4%23.3%23.3%24.2%27.3%21.0%長沙銀行27.2%28.3%26.4%25.6%26.3%9.0%3.9%8.4%4.8%青島銀行31.2%35.0%28.6%26.7%29.4%7.8%鄭州銀行23.0%20.8%21.2%3.9%3.7%2.1%8.2%西安銀行26.8%28.8%22.5%26.0%27.4%0.5%5.8%蘇州銀行31.4%32.9%32.1%33.0%33.7%2.2%2.4%9.7%廈門/銀行33.6%34.3%37.3%36.6%38.2%3.4%4.6%9.6%齊魯銀行25.5%26.4%26.5%24.4%24.7%9.7%4.5%8.9%5.1%重慶銀行22.8%25.3%25.7%24.2%25.5%2.7%9.2%9.1%7.4%江陰銀行29.6%30.5%26.7%27.2%29.2%2.1%無錫銀行26.1%31.0%25.5%25.1%29.4%0.2%3.3%8.2%3.6%常熟銀行39.0%38.6%40.1%41.0%39.3%2.3%0.3%7.3%20.0%蘇農(nóng)銀行32.2%34.1%30.9%31.5%32.6%0.5%4.4%9.2%6.5%張家港行30.3%32.5%31.2%32.3%33.1%2.8%9.2%9.5%3.6%7.7%5.0%青農(nóng)商行25.2%30.3%24.6%24.2%25.2%0.0%0.3%3.8%2.7%紫金銀行35.3%38.6%32.1%35.8%33.7%0.1%7.7%0.0%0.6%渝農(nóng)商行28.9%31.9%33.1%31.2%31.1%4.1%2.2%7.9%8.8%4.3%上市銀行28.1%31.8%26.8%28.2%29.6%7.3%4.7%5.2%5.0%4.1%國有行28.7%32.8%26.8%28.8%30.3%6.0%3.5%6.1%5.2%5.1%股份行27.4%30.5%26.7%27.6%28.7%8.4%5.8%1.3%2.7%0.