> 数据图表各位网友请教一下上市银行营收、盈利增长相对稳定，机构间仍呈分化2026-3-3上市银行营收、盈利增长相对稳定，机构间仍呈分化表4：上市银行营收及盈利增长仍保持稳定，但机构间分化明显◼ 2025年前三季度上市银行营收、归母净利润增速分别为0.9%和1.5%，营收增速较2025H1小幅回落，盈利能力延续修复。机构间分化仍明显，国有行利润增速较2025H1转正，主要源于财政相关政策（贴息、债务置换、政策性金融工具）赋予大行更强扩表动能；股份行、农商行仍面临较大的经营压力包括信贷需求不足以及风险扰动；而城商行尽管营收下滑，但依赖于较高的拨备空间，仍可维持其各类行中领先的盈利水平。资料来源：Wind，华源证券研究所12银行1.6%2.2%0.8%3.8%1.5%2025Q1-3.2%-5.4%0.4%2.6%-0.1%2024工商银行 -2.5%建设银行 -2.5%农业银行 2.3%中国银行 1.2%邮储银行 1.8%交通银行 0.9%0.8%招商银行 -0.5%-1.7%浦发银行 -1.5%2.6%兴业银行 0.7%-2.3%中信银行 3.8%-3.0%民生银行 -3.2%7.8%光大银行 -7.0%-5.6%平安银行 -10.9% -13.1% -10.0%华夏银行 4.2%-5.9%浙商银行 6.2%-1.0%-3.1%1.3%-3.6%-3.7%7.4%-4.1%营收yoy2025H1-17.7%-7.1%-5.8%2025Q32.2%0.8%2.0%2.7%1.8%1.8%-0.5%1.9%-1.8%-3.5%6.7%-7.9%-9.8%-8.8%-6.8%20240.5%0.9%4.7%2.6%0.2%0.9%1.2%23.3%0.1%2.3%-9.8%2.2%-4.2%5.0%0.9%归母净利润yoy2025Q12025H1-1.4%-4.0%-1.4%-4.0%2.7%2.2%-2.9%-0.9%0.8%-2.6%1.5%-2.1%1.0%-2.2%1.7%-5.1%0.3%-5.6%-14.0%0.6%1.6%0.3%10.2%0.2%2.8%-4.9%0.6%-3.9%-7.9%-4.2%2025Q30.3%0.6%3.0%1.1%1.0%1.9%0.5%10.2%0.1%3.0%-6.4%-3.6%-3.5%-2.9%-9.6%银行2024北京银行 4.8%上海银行 4.8%江苏银行 8.8%南京银行 11.3%宁波银行 8.2%杭州银行 9.6%长沙银行 4.6%成都银行 5.9%重庆银行 3.5%贵阳银行 -1.1%青岛银行 8.2%齐鲁银行 4.6%郑州银行 -5.8%苏州银行 3.0%西安银行 13.7%厦门银行 2.8%沪农商行 0.9%渝农商行 1.1%青农商行 6.9%紫金银行 1.0%无锡银行 4.1%苏农银行 3.2%江阴银行 2.5%瑞丰银行 15.3%常熟银行 10.5%张家港行 3.8%国有行 -0.3%股份行 -1.3%城商行 6.5%农商行 3.5%上市银行 0.1%营收yoy2025H11.9%4.2%7.8%8.6%7.9%3.9%1.6%5.9%7.0%2025Q32025Q1-0.3%-3.2%4.0%3.8%7.8%6.2%8.8%6.5%8.3%5.6%1.4%2.2%1.3%3.8%3.0%3.2%10.4%5.3%-16.9% -12.2% -13.7%5.0%9.7%4.6%4.7%3.9%2.2%2.0%0.8%39.1%8.1%7.5%5.8%4.6%1.8%43.7%-18.4%-7.4%1.3%1.0%-4.8%3.5%3.3%6.0%5.1%10.0%3.3%-1.5%-3.9%3.0%0.2%-1.7%-7.0%-3.4%0.5%-1.8%0.5%3.4%0.2%10.5%3.9%10.1%1.7%1.9%-2.3%5.3%0.9%1.0%3.0%-3.2%0.7%-4.9%-5.4%3.9%0.1%6.2%1.0%8.2%1.2%1.9%-2.6%4.8%0.0%0.9%归母净利润yoy2025H12025Q1-2.4%2.3%8.2%7.1%5.8%17.3%3.8%5.6%5.3%-6.8%16.4%16.5%5.0%6.8%4.3%3.3%2.0%8.0%8.8%8.2%16.7%5.1%7.3%5.4%-7.2%16.0%16.5%2.1%6.2%8.6%-14.2%0.3%6.3%8.0%4.0%3.1%6.2%2.2%6.7%13.8%3.2%-2.1%-2.1%5.5%4.8%-1.2%-4.6%0.6%4.6%5.2%0.1%3.5%5.2%16.6%5.6%13.5%5.1%-0.1%0.3%6.8%4.4%0.8%2025Q32.2%2.8%8.3%8.1%8.4%14.5%6.0%5.0%10.2%-1.4%15.5%15.1%1.6%7.1%5.5%0.3%0.8%3.7%3.6%-10.9%3.8%5.0%13.4%5.8%12.8%5.8%1.2%-0.2%6.7%3.6%1.5%20240.8%4.5%10.8%9.1%6.2%18.1%4.9%10.2%3.8%-7.2%20.2%17.8%1.4%10.2%3.9%-2.6%1.2%5.6%11.2%0.3%2.3%11.6%7.9%11.3%16.2%5.1%1.8%1.8%7.3%5.7%2.3%华源证券综合其他
