> 数据图表谁能回答2.22025-12-32.2业绩：个股驱动因素关注指标经营基本面视角规模展望息差韧性投资收益资产质量银行25M9区域贷25M9贷款增款增速速25Q3 CET125H1贷款收25H1个人定25H1定存占益率存付息率比25Q1-3其他非息收入占营收比重25H1 AC+OCI兑现占其他非息比重25H1 TTM不良生成率25H1 信用成本率-不良生成率Δ25Q3拨备覆盖率7.4%7.1%9.4%9.4%8.4%8.4%6.1%4.0%11.0%8.5%9.4%2.9%8.5%7.4%7.4%8.5%9.4%9.4%9.4%9.4%9.4%9.4%8.4%7.1%北京银行上海银行江苏银行南京银行宁波银行杭州银行长沙银行贵阳银行成都银行青岛银行苏州银行厦门银行齐鲁银行重庆银行渝农商行青农商行紫金银行常熟银行无锡银行苏农银行江阴银行张家港行瑞丰银行沪农商行数据来源：wind，浙商证券研究所。贷款增速取母行所在省份贷款增速。Δ代表 (25H1 TTM 信用成本率-25H1 TTM不良生成率)-(24A TTM 信用成本率-24A TTM不良生成率)。颜色越红，代表该指标表现越优。0.99%1.37%1.26%1.16%1.09%0.78%1.38%0.74%0.20%0.54%0.73%0.82%0.32%0.84%0.86%1.45%0.76%1.45%0.98%0.95%1.42%1.35%0.55%0.62%17.6%31.9%19.0%30.8%19.3%19.0%20.7%16.8%15.0%14.9%21.5%20.2%11.3%17.6%12.7%22.6%21.3%18.6%27.6%34.0%30.9%35.4%25.0%18.7%9.3%2.0%17.9%14.1%17.9%12.7%11.7%0.5%17.4%13.3%11.6%13.8%15.2%20.4%8.8%2.0%2.5%7.1%9.6%8.7%8.6%7.5%6.8%3.2%8.4%10.5%8.6%9.5%9.2%9.6%10.2%12.8%8.8%8.8%9.8%8.5%11.5%8.6%13.0%10.7%10.8%11.1%11.8%10.8%13.8%11.1%12.9%14.5%23.1%27.6%33.0%31.1%19.2%19.9%41.9%42.8%47.0%44.4%45.2%33.9%42.8%50.1%71.0%61.6%57.8%62.6%54.6%54.6%52.9%55.6%64.1%47.2%196%255%323%313%376%514%312%240%433%270%421%304%351%248%365%250%185%463%428%356%372%355%345%340%203.4%3.3%4.5%4.6%4.4%3.8%4.6%4.5%4.1%4.3%3.6%3.7%4.0%4.4%3.7%4.0%3.6%5.3%3.7%3.5%3.6%3.7%3.8%3.3%2.3%2.8%2.6%2.5%3.0%2.7%2.5%2.5%2.4%2.9%1.9%2.2%2.4%2.5%2.4%2.4%2.4%2.2%53%65%31%29%38%41%41%55%72%37%39%63%41%40%63%69%82%68%72%72%74%28%58%43%-18bp-46bp-26bp-29bp-22bp-2bp13bp12bp9bp22bp-29bp-50bp38bp-13bp-23bp28bp-49bp-50bp-52bp-64bp-104bp-69bp30bp-32bp-7bp-27bp14bp6bp21bp-20bp-12bp-4bp-8bp0bp-23bp-10bp4bp-14bp-11bp38bp-6bp-24bp-15bp-30bp-19bp1bp0bp12bp浙商证券综合其他
