常熟银行存款结构优化，业绩保持双位数增长.docx
表1：关键财务指标概览（单位：百万元）
关键财务指标
2023H1
2023Q1-3
2023A
2024Q1
2024H1
2024Q1-3
2024A
2025Q1
环比变化
营业收入同比增速
12.36%
12.55%
12.05%
12.01%
12.03%
11.30%
10.53%
10.04%
-0.49pct
拨备前利润同比增速
8.49%
12.07%
15.07%
20.76%
22.76%
18.46%
10.59%
12.58%
1.99pct
归母净利润同比增速
20.82%
21.10%
19.60%
19.80%
19.58%
18.17%
16.20%
13.81%
-2.39pct
ROE（年化）
12.40%
14.19%
13.69%
14.74%
13.28%
14.96%
14.15%
14.89%
0.74pct
ROA（年化）
1.04%
1.17%
1.13%
1.17%
1.08%
1.23%
1.16%
1.23%
0.07pct
净息差
3.00%
2.95%
2.86%
2.83%
2.79%
2.75%
2.71%
2.61%
-0.10pct
净利差
2.86%
2.81%
2.70%
2.69%
2.63%
2.59%
2.54%
2.46%
-0.08pct
成本收入比
41.03%
39.30%
36.87%
35.27%
35.18%
35.17%
36.62%
34.74%
-1.87pct
总资产同比增速
15.61%
15.61%
16.18%
15.05%
15.57%
10.44%
9.61%
6.67%
-2.93pct
贷款同比增速
15.87%
16.67%
15.00%
15.01%
11.30%
9.69%
8.28%
6.12%
-2.16pct
存款同比增速
16.77%
17.54%
16.16%
18.02%
16.74%
17.00%
15.57%
9.00%
-6.57pct
贷款/生息资产
67.25%
66.25%
66.38%
64.33%
64.87%
65.87%
65.65%
64.14%
-1.51pct
存款/计息负债
86.60%
84.53%
85.12%
89.50%
87.49%
89.07%
88.74%
89.81%
1.07pct
贷款较年初增量
21,237
25,077
29,006
12,804
16,495
17,247
18,423
8,781
-9,642
存款较年初增量
28,764
29,814
34,493
35,577
34,822
36,670
38,607
22,499
-16,108
不良贷款余额
1,605
1,640
1,672
1,792
1,822
1,855
1,858
1,897
40
不良贷款率
0.75%
0.75%
0.75%
0.76%
0.76%
0.77%
0.77%
0.76%
-0.01pct
拨备覆盖率
550.45%
536.96%
537.88%
539.18%
538.81%
528.40%
500.51%
489.56%
-10.95pct
关注贷款率
0.83%
1.05%
1.17%
1.24%
1.36%
1.52%
1.49%
逾期贷款率
1.02%
1.23%
1.54%
1.43%
逾期90天以上/不良
73.79%
79.40%
82.36%
78.53%
逾期1年以上/损失
298.63%
359.01%
364.70%
260.61%
逾期/不良
136.38%
163.18%
202.31%
184.86%
（重组+逾期）/不良
236.45%
281.67%
346.86%
384.41%
不良净新生成率
0.76%
0.71%
0.92%
-0.08%
1.26%
0.61%
1.43%
1.03%
-0.40pct
不良核销转出率
89.37%
82.00%
106.42%
-39.04%
150.14%
67.19%
179.10%
124.54%
-54.56pct
核心一级资本充足率
10.06%
10.24%
10.42%
10.15%
9.92%
10.58%
11.18%
10.78%
-0.40pct
资本充足率
13.56%
13.70%
13.86%
13.51%
13.22%
13.95%
14.19%
13.67%
-0.52pct
数据来源：，
备注：营业收入、拨备前利润、归母净利润、ROE（年化）、ROA（年化）、净息差、净利差、不良新生成率为当年累计数据。
图1：累计营收、PPOP、归母净利润同比增速
30.0%
营业收入同比增速 拨备前利润同比增速 归母净利