銀行業(yè)2023年半年報(bào)業(yè)績(jī)綜述：凈息差拖累營(yíng)收資產(chǎn)質(zhì)量穩(wěn)健

目 錄凈差累收個(gè)延續(xù)化 4他息入營(yíng)增長(zhǎng)最要撐項(xiàng) 4備哺潤(rùn)江川區(qū)性小表亮眼 52023H1體市行ROE超12 6信增放，款期化續(xù) 7產(chǎn)：有繼發(fā)揮雁用 7債：款期趨勢(shì)續(xù) 12凈差續(xù)窄 13資質(zhì)穩(wěn)健 17投建議 19風(fēng)提示 21插圖目錄圖1上銀營(yíng)同速（位）..................................................4圖2上銀行2023H1收同增排（位）.......................................5圖3銀歸凈同比速單：）............................................6圖4上銀行2023H1母凈潤(rùn)比速名單位：）.................................6圖5上銀行2022H1化后ROE名單：）.........................................7圖6上銀總產(chǎn)情況單：元）..........................................7圖7上銀貸總比增（位）..............................................8圖8塊行款同比速單：）............................................8圖92023Q1市行增速名單：）...........................................810銀貸同增量項(xiàng)比單：）.........................................911上銀吸存同比速單：）............................................1312上銀活存占比單：）................................................1313上銀生資與凈息入速比單位）................................15142023H1市行息差名單：）...........................................1515上銀個(gè)住、消貸同增（位：元）............................1616LPR走（位：）............................................................1617貸利變（位：）.......................................................1618對(duì)活存同增長(zhǎng)（位）..............................................1619上銀行2023H1良貸率單：）...........................................1720上銀對(duì)房地貸不率單：）....................................1921部上銀個(gè)住房款良（位）......................................19222023H1市行備覆率名單：）.......................................1923銀行板塊PB（截至2023/9/7）...................................................21表格目錄表1：盈要同增情況單：） 4表2：上銀年后均ROE（位：） 7表3：2023H1類款貸款額例單：） 9表4：2023年6月上銀行地貸占款額比（位） 10表5：上銀負(fù)增結(jié)構(gòu)單：） 12表6：上銀行2023H1息差單：） 14表7：上銀資質(zhì)指標(biāo)動(dòng)況單：） 17表8：重關(guān)標(biāo)及利預(yù)（至2023年9月721凈息差拖累營(yíng)收，個(gè)股延續(xù)分化20230.503.452023Q10.91pct1.08pct其他非息收入是營(yíng)收增長(zhǎng)的最主要支撐項(xiàng)2023H12023422.950.91pct/營(yíng)收2023H1同比增速分別為+1.41%/-2.71%/+4.05%/+3.30%，增速較一季度-1.55pct/+0.18pct/+0.07pct/-0.19pct圖1上市銀行營(yíng)收同比增速（單位：） 數(shù)據(jù)來(lái)源：iFind，2023Q1收窄06p21.84表1：盈利要素同比增長(zhǎng)情況（單位：） 22Q12022H12022Q320222023Q12023H1利息凈收入 5.17%4.54%4.19%3.00%-1.85%-1.41%手續(xù)費(fèi)及傭金凈收入 3.54%0.66%-0.70%-2.88%-4.24%-3.61%其他非息收入 11.42%12.31%-0.69%-8.64%44.77%21.84%營(yíng)業(yè)收入 5.65%4.88%2.83%0.71%1.41%0.50%業(yè)務(wù)及管理費(fèi)7.14%8.37%7.79%4.69%4.56%4.50%減值損失-3.15%-1.67%-5.83%-11.32%-6.00%-8.10%所得稅費(fèi)用-1.87%-5.33%-6.14%-7.78%-3.71%-5.19%歸母凈利潤(rùn)8.71%7.54%8.02%7.59%2.37%3.45%數(shù)據(jù)來(lái)源：iFind，東莞證券研究所512.3612.12%、11.16%、10.8810.64圖2上市銀行2023H1營(yíng)同比增速排名（單位：） 數(shù)據(jù)來(lái)源：iFind，撥備反哺利潤(rùn)，江浙川區(qū)域性中小行表現(xiàn)亮眼2023421.091.088.102.10///凈利潤(rùn)同比增速分別+1.35pcts/+0.47pct/+0.03pct/+2.06pcts至圖3上市銀行歸母凈利潤(rùn)同比增速（單位：） 數(shù)據(jù)來(lái)源：iFind，江浙川區(qū)域性優(yōu)質(zhì)中小銀行繼續(xù)領(lǐng)跑。從個(gè)股來(lái)看，2023年上半年有6家銀行實(shí)現(xiàn)20%以上的凈利潤(rùn)增長(zhǎng)，依次是江蘇、杭州、成都、蘇州和常熟銀行，其增速分別為27.20%、26.2925.1021.00圖4上市銀行2023H1歸凈利潤(rùn)同比增速排名（單位：） 數(shù)據(jù)來(lái)源：iFind，1.32023H1整體上市銀行ROE超12城商行ROE2023ROE12.25%，0.0311.2510.8213.44ROE2023ROE16.28表2：上銀年后均ROE（位）2022Q12022H12022Q320222023Q12023H1國(guó)有行13.04%11.87%11.88%11.34%12.28%11.25%股份行13.57%11.31%11.60%10.74%12.89%10.82%城商行13.21%13.24%12.86%11.52%13.44%13.44%農(nóng)商行11.17%11.10%11.92%10.95%11.49%11.50%上市銀行12.92%12.28%12.38%11.32%12.83%12.25%數(shù)據(jù)來(lái)源：iFind，圖5上市銀行2022H1年后ROE排名（單位：）數(shù)據(jù)來(lái)源：iFind，信貸增速放緩，存款定期化延續(xù)資產(chǎn)端：國(guó)有行繼續(xù)發(fā)揮頭雁作用20232731184%13.2%、7.86%、12.7011.30%圖6上市銀行總資產(chǎn)增長(zhǎng)情況（單位：億元，） 數(shù)據(jù)來(lái)源：iFind，0.3713.526.2013.84%10.34%，26.2519.8115.4714.99%14.92、、4圖7上市銀行貸款總額同比增速（單位：） 圖8各板塊銀行貸款總額同比增速（單位：）資料來(lái)源：iFind， 資料來(lái)源：iFind，圖92023Q1上市銀行貸款增速排名（單位：）數(shù)據(jù)來(lái)源：iFind，202381.12%18.102022+17.64pcts-0.77pct上市銀行企業(yè)貸款占比為7.9222年提升2.7737.48較2022年下滑1.76個(gè)百分點(diǎn)，公司貸款是信貸增長(zhǎng)的主要力量。圖10上市銀行貸款同比增量分項(xiàng)占比（單位：） 數(shù)據(jù)來(lái)源：iFind，表3：2023H1類款貸款額例單：）企業(yè)貸款2023H1占比個(gè)人貸款票據(jù)貼現(xiàn)2023H1企業(yè)貸款2022個(gè)人貸款變動(dòng)票據(jù)貼現(xiàn)農(nóng)業(yè)銀行59.74%36.77%3.49%3.20%-1.58%-1.62%交通銀行65.87%30.99%3.14%1.30%-1.44%0.15%工商銀行62.31%33.51%4.17%2.75%-1.97%-0.78%郵儲(chǔ)銀行39.28%55.08%5.63%2.26%-1.03%-1.23%建設(shè)銀行59.70%36.94%3.36%4.04%-2.44%-1.60%中國(guó)銀行63.09%33.95%2.97%2.99%-2.66%-0.33%國(guó)有行 59.89% 36.44% 3.67% 3.02% -2.01% -1.01%平安銀行33.89%60.07%6.04%1.32%-1.43%0.11%浦發(fā)銀行55.05%37.57%7.39%2.03%-1.05%-0.98%華夏銀行64.63%31.11%4.26%1.03%0.00%-1.03%民生銀行53.50%39.97%6.53%1.51%-2.09%0.59%招商銀行40.55%52.39%7.07%1.29%0.14%-1.43%興業(yè)銀行57.22%37.51%5.27%4.41%-2.10%-2.31%光大銀行56.32%40.54%3.14%2.25%-1.98%-0.27%浙商銀行65.09%27.39%7.05%0.37%-0.01%-0.32%中信銀行50.93%41.10%7.96%1.95%0.02%-1.97%股份行 51.35% 42.37% 6.26% 2.00% -0.99% -1.01%蘭州銀行65.70%24.86%9.44%-0.18%-0.29%0.47%寧波銀行53.47%37.73%8.80%-0.59%0.33%0.26%鄭州銀行70.72%23.51%5.77%0.38%-1.06%0.68%青島銀行66.41%26.06%7.53%2.05%-1.21%-0.84%蘇州銀行58.42%33.92%7.66%3.66%-2.19%-1.47%江蘇銀行57.70%36.26%6.04%4.41%-1.42%-2.99%杭州銀行62.73%34.00%3.26%4.09%-3.00%-1.09%西安銀行55.85%32.79%11.36%1.78%-0.27%-1.51%南京銀行68.53%25.96%5.51%2.40%-2.71%0.31%北京銀行58.47%33.90%7.63%2.68%-1.70%-0.98%廈門銀行51.73%37.76%10.51%0.01%-0.52%0.51%上海銀行61.22%30.52%8.26%2.16%-1.35%-0.81%長(zhǎng)沙銀行58.82%37.90%3.28%2.26%-2.48%0.22%齊魯銀行67.85%28.81%3.33%0.77%-0.26%-0.51%成都銀行79.73%20.05%0.22%2.09%-1.94%-0.15%重慶銀行62.62%25.03%12.35%3.07%-1.93%-1.14%貴陽(yáng)銀行82.55%15.16%2.29%0.55%-1.76%1.21%城商行 61.99% 31.45% 6.55% 2.37% -1.53% -0.84%江陰銀行65.90%20.53%13.57%1.27%-1.75%0.48%張家港行47.65%43.21%9.15%1.66%-1.27%-0.39%青農(nóng)商行65.48%29.13%5.39%1.14%-0.28%-0.85%無(wú)錫銀行68.03%19.43%12.54%1.41%-1.39%-0.02%渝農(nóng)商行48.44%43.80%7.75%1.23%-0.89%-0.34%常熟銀行36.23%59.34%4.44%0.64%-0.64%0.00%瑞豐銀行47.62%47.20%5.18%6.73%-4.43%-2.30%滬農(nóng)商行58.28%30.58%11.13%1.33%-1.31%-0.01%紫金銀行67.04%24.52%8.45%4.54%-0.85%-3.69%蘇農(nóng)銀行61.49%24.29%14.22%1.44%-0.98%-0.45%農(nóng)商行55.23%35.81%8.95%1.61%-1.06%-0.55%上市銀行57.93%37.48%4.59%2.77%-1.76%-1.01%資料來(lái)源：iFind，。38.620221.89pct0.17pctLPR，2023年6月4.11%表4：2023年6月上銀行地貸占款額比（位）2023H1占總貸款比例個(gè)人住房貸款 對(duì)公房地產(chǎn)貸款2023H1占比較2022變動(dòng)個(gè)人住房貸款 對(duì)公房地產(chǎn)貸款農(nóng)業(yè)銀行24.46%4.37%-2.65%-0.15%交通銀行19.20%6.50%-1.53%-0.63%工商銀行25.20%4.06%-2.51%-0.15%郵儲(chǔ)銀行29.71%3.12%-1.66%0.19%建設(shè)銀行28.06%4.15%-2.90%-0.05%中國(guó)銀行25.28%7.61%-2.81%-0.15%國(guó)有行25.58%4.91%-2.53%-0.14%平安銀行24.47%8.02%0.94%-0.49%浦發(fā)銀行17.17%6.38%-0.62%-0.19%華夏銀行13.70%4.03%-0.29%-0.57%民生銀行12.77%8.70%-1.08%-0.08%招商銀行21.69%5.60%-1.27%-0.62%興業(yè)銀行20.79%7.76%-1.23%0.62%光大銀行15.80%4.61%-0.71%-0.40%浙商銀行7.52%10.47%0.49%-0.47%中信銀行18.31%5.26%-0.62%-0.12%股份行 17.98% 6.56% -0.69% -0.20%蘭州銀行13.43%8.97%-0.69%0.39%寧波銀行6.94%8.22%0.80%0.17%鄭州銀行9.95%8.59%-1.46%-1.34%青島銀行16.31%7.90%-0.96%-0.18%蘇州銀行12.60%4.93%-1.02%0.97%江蘇銀行14.41%5.47%-0.86%-0.10%杭州銀行11.91%4.72%-0.90%-0.92%西安銀行12.55%5.05%-0.51%0.19%南京銀行7.27%3.82%-1.34%-0.20%北京銀行16.95%6.09%-1.92%0.00%廈門銀行12.35%3.65%-1.60%-0.56%上海銀行12.07%9.02%-0.56%-0.92%長(zhǎng)沙銀行14.34%2.53%-1.15%-0.04%齊魯銀行18.02%1.89%-0.08%-0.70%成都銀行15.46%6.65%-2.29%0.12%重慶銀行10.86%2.66%-1.00%-0.24%貴陽(yáng)銀行6.37%9.90%-0.47%0.99%城商行 12.59% 6.12% -0.97% -0.23%江陰銀行8.12%0.74%-1.60%0.42%張家港行9.05%1.04%-0.20%0.08%青農(nóng)商行12.20%9.32%-1.06%-1.04%無(wú)錫銀行10.42%0.62%-2.12%0.07%渝農(nóng)商行14.08%0.52%-1.25%-0.17%常熟銀行6.32%0.96%-0.86%0.02%瑞豐銀行11.83%1.71%-3.24%0.51%滬農(nóng)商行15.68%15.04%-1.21%0.06%紫金銀行-4.18%--0.61%蘇農(nóng)銀行7.10%1.96%-1.23%-0.13%農(nóng)商行11.66%5.68%-1.26%-0.23%上市銀行22.56%5.40%-1.89%-0.17%資料來(lái)源：iFind，。負(fù)債端：存款定期化趨勢(shì)延續(xù)20233.9914.10%、8.03%、12.2012.36%表5：上銀負(fù)增結(jié)構(gòu)單：）總負(fù)債 存款 應(yīng)付債券 同業(yè)負(fù)債 總負(fù)債 存款 應(yīng)付債券 同業(yè)負(fù)債總負(fù)債 存款 應(yīng)付債券 同業(yè)負(fù)債 總負(fù)債 存款 應(yīng)付債券 同業(yè)負(fù)債2023H1YOY2023Q1YOY國(guó)有行 14.40% 14.77% 38.92%12.13% 13.69% 14.10% 11.96%10.41%農(nóng)業(yè)銀行20.19%17.70%27.28%57.03%18.10%17.04%0.00%35.90%交通銀行11.21%13.36%240.99%-1.99%10.07%9.83%13.06%5.58%工商銀行13.23%14.34%32.13%0.69%13.17%14.01%37.83%-1.33%郵儲(chǔ)銀行11.06%11.08%9.88%15.41%13.09%9.73%191.77%118.11%建設(shè)銀行15.91%15.06%23.12%30.31%13.84%14.24%6.52%20.78%中國(guó)銀行10.79%14.29%-0.81%-10.89%10.99%14.84%-10.75國(guó)有行 14.40% 14.77% 38.92%12.13% 13.69% 14.10% 11.96%10.41%股份行8.08% 10.45% -10.43%18.37%股份行8.08% 10.45% -10.43%18.37%7.91% 8.03%-4.16%17.85%蘭州銀行 12.72% 5.53% 105.00% 81.93% 6.76% 4.74% 86.89% 12.03%寧波銀行 13.92% 22.27% -0.27% 16.83% 16.32% 24.36% 2.25% 17.35%鄭州銀行 7.41% 9.71% 8.30% -4.87% 7.62% 9.25% 14.59% -9.91%青島銀行 5.26% 16.30% -25.26% 24.02% 6.37% 12.61% -18.22% 34.80%蘇州銀行11.86%19.49%-4.87%5.75%14.55%19.87%-6.30%24.56%江蘇銀行15.81%13.55%11.54%42.08%14.69%13.54%4.15%43.41%杭州銀行16.80%15.77%0.02%69.24%13.93%12.26%4.10%38.31%西安銀行23.56%24.24%16.34%-26.55%20.94%11.93%45.35%15.10%南京銀行13.02%14.12%-37.63%125.79%15.44%11.68%-25.46%131.77%北京銀行12.28%8.37%12.06%36.29%14.36%11.34%14.89%30.25%廈門銀行6.16%8.50%11.49%-5.03%-0.25%-12.34%21.01%49.72%上海銀行7.73%10.30%11.33%-2.47%7.75%5.44%27.99%5.42%長(zhǎng)沙銀行15.92%15.94%14.77%2.02%16.50%15.05%19.21%-0.66%齊魯銀行17.28%21.73%-8.09%3.21%16.88%18.51%3.89%22.15%成都銀行17.63%18.88%24.27%7.63%14.37%16.39%33.18%-47.36%重慶銀行10.84%12.43%3.35%56.86%9.96%7.81%16.95%49.65%貴陽(yáng)銀行6.37%8.29%-17.84%25.19%6.25%3.90%-5.43%26.22%城商行12.75%13.92%2.04%25.88%12.88%12.20%7.91%26.71%江陰銀行11.73%14.17%29.13%-33.25%9.76%13.36%29.03%-52.63%張家港行10.81%16.65%-25.86%-4.03%13.14%17.14%-11.62%-8.81%青農(nóng)商行4.69%7.90%-0.80%3.02%4.54%6.60%10.13%-17.77%無(wú)錫銀行7.68%10.29%-45.79%99.24%7.82%12.36%-29.51%-46.73%渝農(nóng)商行9.43%9.69%-19.65%69.46%9.46%9.97%-17.03%51.94%常熟銀行18.35%17.52%-29.68%86.80%15.75%16.63%30.34%-17.21%瑞豐銀行28.39%24.77%58.52%171.96%26.47%26.29%-19.45%301.28%滬農(nóng)商行12.08%10.92%40.15%14.03%13.46%12.22%-3.47%87.13%紫金銀行12.30%13.66%2.01%-3.35%9.10%10.49%5.18%-11.30%蘇農(nóng)銀行16.89%19.52%-10.47%39.72%17.57%18.62%0.51%33.91%農(nóng)商行11.35%12.12%-4.55%35.50%11.44%12.36%-6.20%35.82%上市銀行12.62%13.73%9.07%15.98%12.15%12.61%4.04%14.75%資料來(lái)源：iFind，2023640.992022圖11上市銀行吸收存款同比增速（單位：） 圖12上市銀行活期存款占比（單位：）資料來(lái)源：iFind， 資料來(lái)源：iFind，凈息差持續(xù)收窄0231.720221811.41下滑1.41%。生息資產(chǎn)收益率和計(jì)息負(fù)債成本率分別為3.72%和2.08%，分別較2022年-0.06pct+0.12pct20223.00表6：上銀行2023H1息差單：） 生息資產(chǎn)收益率 計(jì)息負(fù)債成本率 凈息差 2022H1 較2022變動(dòng) 2022H1 較2022變動(dòng) 2022H1 較2022變動(dòng)農(nóng)業(yè)銀行3.43%-0.14%1.94%0.10%1.66%-0.24%交通銀行3.64%0.01%2.45%0.19%1.31%-0.17%工商銀行3.56%0.01%2.04%0.22%1.72%-0.20%郵儲(chǔ)銀行3.63%-0.18%1.57%-0.06%2.08%-0.12%建設(shè)銀行3.53%-0.14%1.93%0.08%1.79%-0.23%中國(guó)銀行3.61%0.25%2.13%0.38%1.67%-0.09%國(guó)有行 3.55% -0.03% 2.00% 0.16% 1.71% -0.19%平安銀行4.74%-0.09%2.25%0.09%2.55%-0.20%浦發(fā)銀行3.88%-0.08%2.35%0.11%1.56%-0.21%華夏銀行4.15%-0.13%2.25%0.04%1.87%-0.23%民生銀行3.85%-0.06%2.44%0.04%1.48%-0.12%招商銀行3.83%-0.06%1.71%0.10%2.23%-0.17%興業(yè)銀行4.05%-0.09%2.35%0.04%1.95%-0.15%光大銀行4.15%-0.11%2.40%0.07%1.82%-0.19%浙商銀行4.30%-0.07%2.35%0.00%2.14%-0.07%中信銀行4.02%-0.09%2.21%0.02%1.85%-0.12%股份行 4.05% -0.09% 2.23% 0.06% 1.92% -0.18%蘭州銀行4.36%-0.26%2.81%-0.15%1.51%-0.07%寧波銀行4.17%-0.08%2.09%0.04%1.93%-0.09%鄭州銀行4.46%-0.19%2.40%-0.07%2.13%-0.14%青島銀行4.20%-0.02%2.33%-0.04%1.85%0.09%蘇州銀行4.07%-0.16%2.25%-0.05%1.74%-0.13%江蘇銀行4.45%-0.08%2.36%-0.06%2.28%-0.04%杭州銀行3.93%-0.13%2.31%-0.01%1.56%-0.13%西安銀行3.96%-0.21%2.59%-0.04%1.43%-0.23%南京銀行4.35%0.03%2.46%0.07%2.19%0.00%北京銀行3.67%-0.18%2.13%-0.01%1.54%-0.22%廈門銀行3.74%-0.20%2.45%-0.02%1.34%-0.19%上海銀行3.66%-0.08%2.22%0.05%1.40%-0.14%長(zhǎng)沙銀行4.66%-0.14%2.19%-0.09%2.34%-0.07%齊魯銀行3.98%-0.13%2.20%-0.04%1.86%-0.10%成都銀行4.12%-0.12%2.28%0.04%1.92%-0.12%重慶銀行4.26%-0.18%2.75%-0.10%1.63%-0.11%貴陽(yáng)銀行4.58%-0.16%2.53%-0.08%2.18%-0.09%城商行4.09%-0.11%2.30%-0.01%1.83%-0.10%江陰銀行4.06%-0.06%2.08%-0.10%2.20%0.02%張家港行4.24%-0.23%2.44%-0.04%2.05%-0.20%青農(nóng)商行4.05%-0.18%2.19%-0.03%1.86%-0.14%無(wú)錫銀行0.00%0.00%0.00%0.00%1.66%-0.15%渝農(nóng)商行3.75%-0.22%2.05%-0.08%1.79%-0.18%常熟銀行5.18%0.00%2.32%0.02%3.00%-0.02%瑞豐銀行0.00%0.00%0.00%0.00%1.86%-0.35%滬農(nóng)商行3.74%-0.10%2.07%-0.02%1.72%-0.11%紫金銀行0.00%-3.86%0.00%-2.26%1.59%-0.21%蘇農(nóng)銀行0.00%0.00%0.00%0.00%1.73%-0.31%農(nóng)商行3.94%-0.38%2.12%-0.18%1.87%-0.15%上市銀行3.72%-0.06%2.08%0.12%1.77%-0.18%數(shù)據(jù)來(lái)源：iFind，圖13上市銀行生息資產(chǎn)與凈利息收入增速對(duì)比（單位：）數(shù)據(jù)來(lái)源：iFind，圖142023H1上市銀行凈息差排名（單位：）數(shù)據(jù)來(lái)源：iFind，資產(chǎn)端與負(fù)債端均承壓。資產(chǎn)端，定價(jià)方面，一是融資需求不足、LPR多次下調(diào)、個(gè)人住房貸款利率大幅下滑等因素導(dǎo)致各類新發(fā)放人民幣貸款定價(jià)均有所下降，具體來(lái)4.190.220.283.95%、4.110.21、0.5115（億元，）

圖16LPR走勢(shì)（單位：） 資料來(lái)源：iFind， 資料來(lái)源：iFind，圖17貸款利率變化（單位：） 圖18對(duì)公活期存款同比增長(zhǎng)率（單位：） 資料來(lái)源：iFind， 資料來(lái)源：iFind，LPR負(fù)債端，20229698LR5L資產(chǎn)質(zhì)量穩(wěn)健20236其中國(guó)有行、股份行、城商行和農(nóng)商行分別同比+0.01pct、-0.01pct、-0.02pct和-0.02pct4224，1610.72%、0.75%0.760.76%。圖19上市銀行2023H1不良貸款率（單位：）數(shù)據(jù)來(lái)源：iFind，關(guān)注率和逾期率雙降。2023年6月末，上市銀行關(guān)注率為1.67%，較2022年下降0.07pct，逾期率為1.27%，較2022年下降0.05pct，潛在不良風(fēng)險(xiǎn)整體改善。表7：上市銀行資產(chǎn)質(zhì)量指標(biāo)變動(dòng)情況（單位：）2023H1不良率較2022變動(dòng)2023H1關(guān)注率較2022變動(dòng)2023H1逾期率較2022變動(dòng)農(nóng)業(yè)銀行1.35%-0.06%1.44%-0.02%0.99%-0.09%交通銀行1.35%-0.11%1.52%0.08%1.28%0.12%工商銀行1.36%-0.05%1.79%-0.16%1.18%-0.05%郵儲(chǔ)銀行0.81%-0.02%0.62%0.06%0.96%0.01%建設(shè)銀行1.37%-0.03%2.50%-0.02%1.13%0.10%中國(guó)銀行1.28%-0.06%1.23%-0.12%1.02%-0.10%國(guó)有行1.30%-0.05%1.66%-0.06%1.09%-0.02%平安銀行1.03%0.01%1.74%-0.08%1.71%-0.18%浦發(fā)銀行1.49%-0.07%2.16%-0.03%2.07%-0.13%華夏銀行1.72%-0.07%2.76%-0.02%2.19%0.32%民生銀行1.57%-0.16%2.68%-0.21%2.00%0.02%招商銀行0.95%0.00%1.02%-0.19%1.25%-0.04%興業(yè)銀行1.08%-0.07%1.35%-0.14%1.43%-0.24%光大銀行1.30%0.06%1.86%0.02%1.93%-0.02%浙商銀行1.45%-0.04%2.08%-0.32%1.77%-0.20%中信銀行1.21%-0.10%1.56%-0.07%1.43%-0.17%股份行 1.26% -0.06% 1.80% -0.11% 1.69% -0.09%蘭州銀行1.70%-0.01%5.35%-0.29%5.75%0.83%寧波銀行0.76%-0.01%0.55%-0.03%0.85%0.05%鄭州銀行1.87%0.11%2.14%0.13%3.04%0.07%青島銀行1.14%-0.19%0.75%-0.07%1.52%-0.03%蘇州銀行0.86%-0.04%0.73%-0.02%0.73%0.05%江蘇銀行0.91%-0.07%1.29%-0.02%0.99%-0.02%杭州銀行0.76%-0.03%0.44%0.05%0.59%0.00%西安銀行1.25%0.03%3.05%0.62%2.02%-0.38%南京銀行0.90%0.00%0.85%0.01%1.25%0.04%北京銀行1.34%-0.30%1.50%-0.11%1.67%-0.59%廈門銀行0.80%-0.10%1.17%-0.06%1.50%0.31%上海銀行1.22%-0.03%1.74%0.10%1.68%-0.02%長(zhǎng)沙銀行1.16%-0.02%1.64%0.16%1.59%0.09%齊魯銀行1.27%-0.06%1.60%-0.11%1.06%0.07%成都銀行0.72%-0.11%0.44%-0.02%0.82%0.01%重慶銀行1.21%-0.08%3.45%0.25%2.57%-0.40%貴陽(yáng)銀行1.47%-0.17%3.31%0.46%2.91%-1.23%城商行 1.08% -0.09% 1.42% 0.01% 1.48% -0.13%江陰銀行0.98%0.00%1.24%0.32%1.46%0.39%張家港行0.88%-0.02%1.47%-0.03%1.43%0.21%青農(nóng)商行1.93%0.21%5.15%-0.47%2.39%-0.60%無(wú)錫銀行0.77%-0.10%0.31%0.00%0.68%-0.08%渝農(nóng)商行1.21%-0.02%1.14%-0.15%1.40%0.07%