北京银行2025年年报及2026年一季报点评：非信贷拨备有所夯实

关键财务指标（百万元）2024H12024Q1-3关键财务指标（百万元）2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1总资产3,945,6564,027,3274,221,5424,469,4224,747,8194,892,2274,938,2734,947,091总贷款2,167,8862,170,4822,209,9752,339,2592,390,8562,373,0462,399,7552,419,193总负债3,606,5963,672,2443,863,2024,106,4004,363,1484,505,0824,559,6284,559,331总存款2,373,6362,406,0302,483,5752,634,0242,689,4422,672,4172,731,7292,842,498营业收入35,85152,15170,42017,12736,21851,58868,03619,599拨备前利润26,26337,06249,04912,54226,27936,36545,96415,493净利润14,91421,06026,3937,68715,08021,10520,1298,123总资产增速8.62%9.66%12.61%14.76%20.33%21.48%16.98%10.69%贷款同比增速9.62%8.89%9.65%10.34%10.29%9.33%8.59%3.42%存款同比增速12.93%14.51%18.21%19.11%13.30%11.07%9.99%7.91%营业收入同比增速7.29%4.85%5.56%-3.18%1.02%-1.08%-3.39%14.43%核心营收同比增速1.92%1.10%2.34%0.72%2.67%2.81%2.41%8.77%净利息收入同比增速3.84%2.69%3.10%-1.42%1.22%1.79%1.86%9.60%净手续费收入同比增速-16.95%-16.74%-7.84%24.42%20.40%16.92%10.61%1.53%其他非息收入同比增速30.36%22.22%19.38%-17.67%-4.49%-15.98%-24.69%40.12%拨备前利润同比增速6.63%5.42%5.57%-2.24%0.06%-1.88%-6.29%23.53%归母净利润同比增速4.55%3.84%2.77%-2.44%1.12%0.26%-23.73%5.55%净息差（披露值）1.47%1.47%1.31%1.27%净利差（披露值）1.48%1.47%1.30%1.26%生息资产收益率（披露值）3.58%3.50%3.02%2.90%计息负债成本率（披露值）2.09%2.03%1.72%1.64%净息差（测算值）1.48%1.46%1.44%1.29%1.28%1.27%1.27%1.21%净利差（测算值）1.46%1.43%1.43%1.28%1.27%1.26%1.26%1.19%单季度净息差（测算值）1.46%1.45%1.44%1.29%1.28%1.22%1.21%1.21%单季度净利差（测算值）1.46%1.44%1.42%1.28%1.26%1.21%1.19%1.19%ROA（年化）0.76%0.71%0.65%0.71%0.67%0.62%0.44%0.66%ROE（年化）10.98%10.41%8.65%11.31%10.64%9.86%6.11%11.62%累计分红率（测算）17.04%29.35%35.46%杠杆率7.24%7.36%7.08%6.80%6.87%6.68%6.36%6.50%风险加权资产增速8.63%9.63%11.14%10.72%12.29%11.72%6.30%2.36%ROE(年化)*(1-分红率)7.67%7.27%6.11%7.99%7.52%6.97%3.93%7.48%成本收入比25.63%27.78%29.13%25.42%26.07%28.13%30.90%19.71%存贷比92.54%91.51%90.22%90.00%88.90%88.80%87.85%85.11%拨备覆盖率208.16%209.73%208.75%198.08%195.74% 195.79%200.21%198.04%拨贷比2.72%2.74%2.73%2.57%2.54%2.53%2.58%2.61%不良贷款率1.31%1.31%1.31%1.30%1.30%1.29%1.29%1.32%关注贷款率1.87%1.79%1.50%1.61%逾期贷款率1.82%1.62%1.53%1.96%重组贷款率0.72%0.67%0.64%0.60%不良净新生成率（披露值）不良生成率1（披露核转）0.98%1.00%1.00%0.93%不良生成率2（测算核转）0.98%0.89%0.97%0.94%0.95%0.87%1.15%0.97%核心一级资本充足率9.15%9.11%8.95%8.64%8.59%8.44%8.37%8.59%流动性覆盖率140.80% 141.33%138.06%141.97%220.54%160.87%170.99%178.86%净稳定性资金比例股东数（户）115.92%114.68%116.00%114.86%112.27%114.10%145,636144,539144,286140,289135,835183,025215,202222,364AC兑现/营收2.30%1.62%1.28%6.67%5.22%3.79%2.89%9.75%OCI兑现/营收3.65%4.02%3.56%2.13%AC兑现/净利润5.52%4.02%3.42%14.86%12.53%9.26%9.77%23.53%OCI兑现/净利润8.78%10.71%8.55%7.19%超额拨备/归母净利润(TTM)-20.54%-18.80%-55.82%-71.73%-43.79%-44.57%-20.28%-21.14%超额拨备/归母净资产-1.60%-1.40%-4.12%-5.19%-3.03%-3.05%-1.08%-1.12%，国联民生证券研究所累计业绩同比增速2024H12024Q1-3累计业绩同比增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1营业收入同比增速7.29%4.85%5.56%-3.18%1.02%-1.08%-3.39%14.43%核心营收同比增速1.92%1.10%2.34%0.72%2.67%2.81%2.41%8.77%净利息收入同比增速3.84%2.69%3.10%-1.42%1.22%1.79%1.86%9.60%非息收入同比增速16.91%11.49%13.13%-7.75%0.53%-9.22%-18.09%27.85%净手续费收入同比增速-16.95%-16.74%-7.84%24.42%20.40%16.92%10.61%1.53%其他非息收入同比增速30.36%22.22%19.38%-17.67%-4.49%-15.98%-24.69%40.12%营业支出同比增速9.74%5.68%7.30%-5.31%-1.01%-3.62%14.17%22.01%拨备前利润同比增速6.63%5.42%5.57%-2.24%0.06%-1.88%-6.29%23.53%利润总额同比增速4.76%3.86%3.32%-1.27%3.50%2.32%-28.44%7.19%净利润同比增速4.26%3.64%2.57%-2.49%1.11%0.21%-23.73%5.67%归母净利润同比增速4.55%3.84%2.77%-2.44%1.12%0.26%-23.73%5.55%，国联民生证券研究所单季度业绩同比增速2024Q22024Q3单季度业绩同比增速2024Q22024Q32024Q42025Q12025Q22025Q32025Q42026Q1营业收入同比增速6.76%-0.15%7.64%-3.18%5.12%-5.71%-9.97%14.43%核心营收同比增速3.82%-0.51%6.19%0.72%4.65%3.10%1.21%8.77%净利息收入同比增速5.85%0.51%4.29%-1.42%3.87%2.90%2.06%9.60%非息收入同比增速8.98%-2.70%17.95%-7.75%8.08%-39.88%-42.64%27.85%净手续费收入同比增速-17.94%-16.12%68.02%24.42%15.37%6.73%-16.01%1.53%其他非息收入同比增速16.90%1.82%12.72%-17.67%6.57%-52.82%-46.79%40.12%营业支出同比增速8.15%-1.57%11.15%-5.31%2.62%-8.82%54.20%22.01%拨备前利润同比增速3.88%2.59%6.03%-2.24%2.26%-6.60%-19.92%23.53%利润总额同比增速4.88%1.65%1.08%-1.27%9.02%-0.66%-158.79%7.19%净利润同比增速3.89%2.14%-1.44%-2.49%5.15%-1.97%-118.30%5.67%归母净利润同比增速4.11%2.15%-1.24%-2.44%5.11%-1.85%-118.37%5.55%，国联民生证券研究所图1：累计营收、PPOP、归母净利润、总资产同比增速 营业收入同比增速 拨备前利润同比增速 归母净利润同比增速 总资产增速 核心营收同比增速30.00%20.00%10.00%0.00%-10.00%-20.00%-30.00%，国联民生证券研究所图2：单季度营收、PPOP、归母净利润同比增速 营业收入同比增速 拨备前利润同比增速 归母净利润同比增速 核心营收同比增速60.00%40.00%20.00%0.00%-20.00%-40.00%-60.00%-80.00%-100.00%-120.00%-140.00%，国联民生证券研究所图3：累计同比业绩拆分（2026Q1） 16.9%5.7%16.9%5.7%5.6%20%15%10%5%0%生 净 净 其息 息 手 他资 差 续 收产 费 支规 收模 入

税 成 拨 有 净 少 金 本 备 效 利 数 及 收 计 税 润 股 附 入 提 率 东 加 比 净 润利润，国联民生证券研究所图4：累计同比业绩拆分（2025A） 20%15%10%5%0%-5%-10%-15%-20%-25%-30%-35%

15.9%-23.7%15.9%-23.7%-23.7%息 息 手 他资 差 续 收产 费 支规 收模 入，国联民生证券研究所

税 成 拨金 本 备及 收 计附 入 提加 比

有 净 少 归效 利 数 母税 润 股 净率 东 利净 润利润累计ROE拆分2024H12024Q1-3累计ROE拆分2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1营业收入1.86%1.79%1.77%1.58%1.62%1.51%1.49%1.59%利息收入3.23%3.18%3.10%2.67%2.66%2.64%2.64%2.42%利息支出1.90%1.86%1.80%1.52%1.51%1.49%1.48%1.30%净利息收入1.33%1.32%1.30%1.16%1.15%1.15%1.15%1.12%净手续费收入0.11%0.10%0.09%0.13%0.11%0.10%0.08%0.12%核心营收1.44%1.42%1.39%1.29%1.26%1.24%1.24%1.24%其他非息收入0.43%0.37%0.38%0.28%0.35%0.27%0.25%0.35%营业支出0.99%0.98%1.04%0.76%0.84%0.81%1.03%0.82%税金及附加0.02%0.02%0.02%0.02%0.02%0.02%0.02%0.02%业务及管理费0.47%0.49%0.51%0.40%0.42%0.42%0.46%0.31%减值损失0.49%0.47%0.50%0.34%0.40%0.36%0.55%0.48%营业利润0.87%0.81%0.73%0.82%0.77%0.70%0.45%0.77%营业外净收入0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%利润总额0.87%0.80%0.73%0.82%0.77%0.70%0.45%0.77%所得税0.10%0.08%0.06%0.11%0.10%0.08%0.01%0.11%年化ROA0.78%0.72%0.66%0.71%0.67%0.62%0.44%0.66%杠杆率14.4614.6913.3115.9815.8215.9713.9017.68年化ROE11.21%10.61%8.82%11.31%10.64%9.86%6.11%11.62%，国联民生证券研究所单季度ROE拆分2024Q22024Q3单季度ROE拆分2024Q22024Q32024Q42025Q12025Q22025Q32025Q42026Q1营业收入1.89%1.68%1.83%1.58%1.70%1.35%1.44%1.59%利息收入3.19%3.16%3.10%2.67%2.73%2.69%2.66%2.42%利息支出1.86%1.82%1.76%1.52%1.55%1.51%1.47%1.30%净利息收入1.33%1.34%1.34%1.16%1.18%1.18%1.19%1.12%净手续费收入0.10%0.07%0.07%0.13%0.10%0.07%0.05%0.12%核心营收1.42%1.41%1.41%1.29%1.28%1.24%1.24%1.24%其他非息收入0.47%0.26%0.43%0.28%0.43%0.11%0.20%0.35%营业支出1.08%0.99%1.28%0.76%0.95%0.77%1.72%0.82%税金及附加0.03%0.02%0.03%0.02%0.02%0.02%0.02%0.02%业务及管理费0.46%0.54%0.60%0.40%0.45%0.44%0.57%0.31%减值损失0.59%0.43%0.65%0.34%0.47%0.30%1.12%0.48%营业利润0.81%0.69%0.55%0.82%0.75%0.58%-0.28%0.77%营业外净收入0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%利润总额0.81%0.69%0.55%0.82%0.76%0.58%-0.28%0.77%所得税0.08%0.05%0.02%0.11%0.10%0.05%-0.20%0.11%年化ROA0.73%0.63%0.54%0.71%0.66%0.53%-0.09%0.66%杠杆率14.4614.6913.3115.9815.8215.9713.9017.68年化ROE10.57%9.29%7.13%11.31%10.43%8.45%-1.19%11.62%，国联民生证券研究所手续费收入增速2024H12024Q1-3手续费收入增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1手续费收入-9.51%-9.24%-6.48%17.83%17.13%14.03%10.73%1.15%代理业务理财业务-16.77%-16.60%9.95%10.95%托管业务支付结算业务7.91%17.37%31.32%13.24%咨询顾问业务10.39%8.05%-5.53%担保承诺业务5.26%-0.73%-7.78%-17.28%银行卡业务交易业务其他-3.03%-25.61%-0.45%-13.42%-6.25%58.03%-4.48%42.04%手续费支出44.90%33.22%-1.76%-12.85%3.42%3.80%11.12%-1.38%零售AUM同比增速13.93%16.01%17.25%14.68%13.04%12.93%10.53%9.09%，国联民生证券研究所累计占比（/营收）2024H12024Q1-3累计占比（/营收）2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1净手续费及佣金收入5.81%5.36%4.91%8.42%6.92%6.34%5.62%7.47%净其他非息收入22.96%20.71%21.37%18.06%21.71%17.59%16.66%22.11%投资收益20.30%19.71%19.89%24.42%20.93%19.20%18.01%18.39%公允价值变动损益2.35%0.42%1.01%-6.99%0.25%-2.30%-1.93%3.24%汇兑净损益0.14%0.45%0.31%0.60%0.47%0.49%0.40%0.38%其他净收益0.17%0.14%0.16%0.04%0.06%0.21%0.17%0.10%其他综合收益余额18.18%12.46%14.07%38.40%15.34%4.48%3.52%17.28%AC兑现2.30%1.62%1.28%6.67%5.22%3.79%2.89%9.75%OCI兑现3.65%4.02%3.56%2.13%单季度占比（/营收）2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1净手续费及佣金收入2.58%1.37%0.94%8.42%2.94%1.48%0.82%7.47%净其他非息收入12.48%4.92%6.04%18.06%13.17%2.35%3.33%22.11%投资收益10.64%5.75%5.29%24.42%9.38%4.50%3.46%18.39%公允价值变动损益1.63%-1.20%0.70%-6.99%3.56%-2.48%-0.18%3.24%汇兑净损益0.17%0.35%-0.02%0.60%0.19%0.16%0.03%0.38%其他净收益0.04%0.02%0.06%0.04%0.04%0.17%0.02%0.10%其他综合收益5.41%-0.04%4.85%-19.46%-2.82%-6.29%0.12%5.06%累计同比增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1净手续费及佣金收入-16.9%-16.7%-7.8%24.4%20.4%16.9%10.6%1.5%净其他非息收入30.4%22.2%19.4%-17.7%-4.5%-16.0%-24.7%40.1%投资净收益35.4%24.9%23.2%20.8%4.2%-3.6%-12.5%-13.8%公允价值变动损益-0.7%-56.7%14.5%-564.3%-89.3%-647.9%-284.0%153.0%汇兑损益172.2%913.0%236.9%1027.3%249.0%8.6%25.6%-26.5%其他净收益-16.2%-14.5%-79.2%-85.1%-67.7%49.3%0.9%171.4%其他综合收益余额增速173.3%239.4%232.0%43.6%-14.8%-64.5%-75.8%-48.5%单季度同比增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1净手续费及佣金收入-17.9%-16.1%68.0%24.4%15.4%6.7%-16.0%1.5%净其他非息收入16.9%1.8%12.7%-17.7%6.6%-52.8%-46.8%40.1%投资净收益26.3%5.1%18.8%20.8%-10.9%-22.6%-36.9%-13.8%公允价值变动损益-29.7%-79.9%309.1%-564.3%120.2%-104.3%-124.4%153.0%汇兑损益233.3%3580.0%-133.3%1027.3%15.0%-55.4%257.1%-26.5%其他净收益-25.0%-90.5%-85.1%-13.3%855.6%-75.6%171.4%单季度其他综合收益增速31.6%95.3%218.8%-309.0%-152.7%-14654.5%-97.5%129.8%，国联民生证券研究所图5：净息差和净利差 1.90%1.80%1.70%1.60%1.50%1.40%1.30%1.20%1.10%1.00%

，国联民生证券研究所

净息差（披露值） 净利差（披露值）累计（露值） 2024H1累计（露值） 2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1净息差 1.47%1.47%1.31%1.27%净利差 1.48%1.47%1.30%1.26%生息资收益率 3.58%3.50%3.02%2.90%计息负成本率 2.09%2.03%1.72%1.64%单季度测算） 2024Q22024Q32024Q42025Q12025Q22025Q32025Q42026Q1净息差 1.46%1.45%1.44%1.29%1.28%1.22%1.21%1.21%净利差 1.46%1.44%1.42%1.28%1.26%1.21%1.19%1.19%生息资收益率 3.51%3.43%3.32%2.99%2.95%2.79%2.70%2.62%计息负成本率 2.05%2.00%1.90%1.70%1.69%1.59%1.51%1.43%生息资平均益率 2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1发放贷款 4.03%3.94%3.38%3.33%投资类产 3.16%3.09%2.74%2.59%存放央行 1.51%1.51%1.48%1.49%同业资产 2.80%2.73%2.27%2.07%计息负平均息率 2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1存款 1.88%1.85%1.59%1.52%向央行款 2.36%2.32%1.88%1.77%同业负债 2.43%2.33%1.89%1.78%发行债券 2.50%2.40%1.99%1.93%，国联民生证券研究所分类型贷款收益率2024H12024Q1-3分类型贷款收益率2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1公司类贷款收益率3.39%3.36%3.02%2.97%个人贷款收益率5.31%5.12%4.16%4.11%票据贴现收益率分类型存款成本率2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1对公存款付息率对公活期付息率1.74%1.71%1.47%1.41%对公定期付息率个人存款付息率2.20%2.16%1.87%1.78%个人活期付息率个人定期付息率，国联民生证券研究所余额结构（分母为总资产）2024H12024Q1-3余额结构（分母为总资产）2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1生息资产89.27%90.45%89.73%89.48%90.61%91.38%91.96%92.15%贷款54.94%53.89%52.35%52.34%50.36%48.51%48.60%48.90%投资类资产32.33%32.94%34.08%35.28%35.15%36.20%35.53%35.05%FVTPL8.73%8.03%8.89%9.08%8.29%7.64%7.10%7.04%AC16.63%16.36%16.29%15.21%14.39%15.54%16.04%15.27%FVOCI6.98%8.55%8.90%10.99%12.47%13.02%12.38%12.74%存放央行4.21%4.02%3.92%3.69%3.41%3.54%3.28%3.45%同业资产6.53%7.66%8.30%7.28%10.01%10.80%11.68%11.80%同比增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1总资产8.62%9.66%12.61%14.76%20.33%21.48%16.98%10.69%总生息资产7.63%10.32%11.42%15.27%22.13%22.72%19.89%13.98%贷款9.62%8.89%9.65%10.34%10.29%9.33%8.59%3.42%投资类资产3.45%6.29%12.76%19.97%30.80%33.51%21.96%9.97%FVTPL13.70%2.12%19.33%12.95%14.31%15.49%-6.53%-14.25%AC-6.72%-6.82%0.16%-0.17%4.13%15.43%15.21%11.17%FVOCI21.25%53.55%36.74%79.20%114.94%85.07%62.78%28.33%存放央行6.63%-3.86%-0.03%8.14%-2.57%6.90%-2.08%3.46%同业资产23.06%46.78%35.72%33.96%84.40%71.29%64.76%79.40%单季增量2024Q22024Q32024Q42025Q12025Q22025Q32025Q42026Q1总生息资产52,676120,401145,140211,559302,407168,66470,78617,238贷款47,886259639,493129,28451,597-17,81026,70919,438投资类资产-38,57750,658112,165138,21091,916102,231-16,485-20,419FVTPL-15,154-20,82951,85030,686-12,429-20,003-22,762-2,641AC-24,7992,79328,858-8,0203,44177,37231,783-36,683FVOCI1,37668,69431,457115,544100,90444,862-25,50618,905存放央行13,474-4,3073,658-406-3,20911,120-10,9478,754同业资产14,78850,67841,805-24,769149,80853,00648,7376,839，国联民生证券研究所；注：FVTPL为以公允价值计量且其变动计入当期损益的金融资产；AC为以摊余成本计量的金融资产或者债权投资；FVOCI。余额结构（分母为总资产）2024H12024Q1-3余额结构（分母为总资产）2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1负债总额91.41%91.18%91.51%91.88%91.90%92.09%92.33%92.16%计息负债89.00%89.26%89.51%88.68%89.89%90.35%90.72%90.58%存款60.16%59.74%58.83%58.93%56.65%54.63%55.32%57.46%向央行借款4.38%3.85%3.51%3.08%2.94%3.30%2.93%3.32%同业负债12.94%13.38%14.18%12.65%15.09%18.00%18.41%17.04%发行债券11.53%12.29%12.98%14.02%15.21%14.42%14.06%12.76%同比增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1负债总额8.85%9.69%12.94%15.45%20.98%22.68%18.03%11.03%总计息负债8.58%10.01%12.51%14.09%21.53%22.95%18.56%13.05%存款12.93%14.51%18.21%19.11%13.30%11.07%9.99%7.91%向央行借款24.21%9.34%-16.50%-22.67%-19.05%3.99%-2.37%19.51%同业负债-5.75%-5.68%-2.03%-10.60%40.29%63.36%51.85%49.10%发行债券0.70%9.15%16.92%38.52%58.82%42.62%26.68%0.71%单季增量2024Q22024Q32024Q42025Q12025Q22025Q32025Q42026Q1总计息负债37,66483235183,791184,930304,250152,01760,111986存款162,28932,39477,545150,44955,418-17,02559,312110,769向央行借款-5,118-17,462-6,870-10,8542,29521,628-16,58819,488同业负债-121,77628,32259,746-33,348151,043164,08128,647-66,154发行债券2,26939,98153,37078,68395,494-16,667-11,260-63,117，国联民生证券研究所余额结构2024H12024Q1-3余额结构2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1公司存款60.87%67.37%59.02%68.74%60.59%58.75%61.06%公司定期34.66%36.69%37.62%37.65%公司活期26.21%22.33%22.97%23.40%个人存款29.71%29.47%29.93%29.56%29.89%30.23%个人定期22.42%22.59%22.80%23.16%个人活期7.29%7.34%7.09%7.07%余额增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1存款总额12.93%14.51%18.21%19.11%13.30%11.07%9.99%7.91%公司存款8.49%12.68%22.46%12.78%-3.13%13.79%公司定期24.53%24.52%22.99%12.88%公司活期-7.29%-2.53%-0.72%15.29%个人存款20.82%20.37%19.69%13.98%11.08%个人定期27.43%23.16%15.22%12.76%个人活期4.20%10.12%10.18%5.91%，国联民生证券研究所余额结构2024H12024Q1-3余额结构2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1个人贷款32.98%31.88%32.82%30.22%30.89%29.74%29.96%个人住房贷款14.85%14.70%13.87%13.76%个人消费贷款9.52%9.36%8.77%8.57%经营性贷款7.86%7.87%7.51%6.99%信用卡应收账款0.75%0.89%0.74%0.64%票据贴现7.11%6.64%7.69%6.74%7.12%8.30%公司贷款59.91%56.68%60.55%62.09%62.37%63.14%61.74%60.84%制造业9.64%10.34%10.92%10.87%批发和零售业5.79%6.09%5.87%5.39%传统基建14.42%13.78%13.57%13.48%租赁和商务服务业11.26%11.81%12.75%12.59%房地产业5.62%5.56%5.21%5.05%建筑业住宿和餐饮业采矿业3.98%0.80%3.69%0.90%3.47%0.86%2.79%0.77%信息传输、软件和信息技术服务2.61%2.64%2.98%3.06%农、林、牧、渔业0.56%0.51%0.51%0.49%金融业卫生和社会工作科学研究和技术服务业1.32%2.68%1.22%2.81%1.51%3.59%1.80%4.34%余额增速2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1贷款总额9.62%8.89%9.65%10.34%10.29%9.33%8.59%3.42%个人贷款6.64%3.27%3.23%3.30%1.99%-0.88%个人住房贷款-3.97%-0.30%3.05%1.62%个人消费贷款27.92%2.74%1.54%-0.49%经营性贷款4.35%7.54%5.40%-3.61%信用卡应收账款53.64%43.58%8.67%-22.18%票据贴现2.15%2.08%4.52%35.90%公司贷款12.32%14.43%20.62%14.81%21.79%10.72%1.34%制造业22.11%31.29%24.98%14.19%批发和零售业13.14%14.52%11.81%-3.99%传统基建2.53%1.12%3.79%6.19%租赁和商务服务业16.21%18.85%24.87%15.75%房地产业1.17%2.84%2.11%-1.37%建筑业15.08%10.75%-3.91%-17.71%住宿和餐饮业采矿业-26.13%6.36%17.77%-6.47%信息传输、软件和信息技术服务35.01%23.73%25.83%25.95%农、林、牧、渔业17.01%1.53%-0.42%6.01%金融业-10.87%10.27%26.06%59.41%卫生和社会工作科学研究和技术服务业117.54%83.43%47.80%67.50%，国联民生证券研究所资产质量2024H12024Q1-3资产质量2024H12024Q1-32024A2025Q12025H12025Q1-32025A2026Q1不良贷款率1.31%1.31%1.31%1.30%1.30%1.29%1.29%1.32%拨备覆盖率208.16%209.73%208.75%198.08%195.74%195.79%200.21%198.04%拨贷比2.72%2.74%2.73%2.57%2.54%2.53%2.58%2.61%贷款拨备余额59,11659,63360,51060,23760,82659,93662,21563,241非信贷拨备余额33,55730,80229,96934,755不良贷款余额28,39928,43328,98730,41031,07530,61231,07531,933关注类贷款余额40,45739,63635,81938,713逾期贷款余额39,52635,84936,61447,048逾期90天以上贷款余额24,50424,40824,13426,024重组贷款余额15,54414,88815,38114,394关注贷款率1.87%1.79%1.50%1.61%关注率+不良率3.18%3.10%2.80%2.90%逾期贷款率1.82%1.62%1.53%1.96%逾期90天以上/不良86.28%84.20%77.66%83.75%逾期1年以上/损失165.50%176.39%116.87%94.25%逾期/不良139.18%123.67%117.82%151.40%重组贷款率0.72%0.67%0.64%0.60%（重组+逾期）/贷款2.54%2.30%2.17%2.56%（重组+逾期）/不良193.91%175.03%167.32%197.72%（）1（）0.98%1.00%1.00%0.93%不良生成率2（测算核转）0.98%0.89%0.97%0.94%0.95%0.87%1.15%0.97%不良回收率0.01%0.03%0.05%-0.22%信用成本（测算值）0.91%0.87%0.95%0.65%0.78%0.72%1.10%0.99%不良核销转出率1（披露核转）61.0%67.0%62.1%63.7%不良核销转出率2（测算核转）60.4%58.4%64.8%52.0%58.2%58.9%80.6%63.8%非信贷拨备/非信贷资产1.89%1.53%1.27%1.37%金融投资-拨备/阶段三116.4%81.0%83.2%111.7%超额拨备/归母净利润(TTM)-20.5%-18.8%-5