图表内容
图表12：上市银行各版块净息差、净利差和资产收益率负债付息率情况
银行类
23Q1-
24Q1-
环比变
项目
23A
24H1
24A
25H1
Q3
Q3
国有行
1.66%
1.62%
1.47%
1.47%
1.45%
1.45%
1.32%
1.31%
-1.36
股份行
1.76%
1.72%
1.57%
1.58%
1.57%
1.54%
1.49%
1.48%
-1.19
净息
城商行
1.57%
1.53%
1.44%
1.41%
1.41%
1.40%
1.37%
1.34%
-2.62
农商行
1.79%
1.76%
1.60%
1.60%
1.59%
1.58%
1.48%
1.49%
0.49
上市银行
1.68%
1.64%
1.49%
1.49%
1.48%
1.47%
1.37%
1.35%
-1.44
国有行
1.48%
1.45%
1.31%
1.30%
1.29%
1.28%
1.19%
1.18%
-1.14
股份行
1.60%
1.57%
1.42%
1.43%
1.42%
1.40%
1.37%
1.35%
-1.22
净利
城商行
1.42%
1.38%
1.29%
1.27%
1.26%
1.25%
1.24%
1.22%
-2.45
农商行
1.65%
1.61%
1.46%
1.46%
1.46%
1.45%
1.37%
1.37%
0.60
上市银行
1.51%
1.47%
1.34%
1.33%
1.32%
1.31%
1.24%
1.22%
-1.29
国有行
3.48%
3.46%
3.28%
3.27%
3.21%
3.19%
2.83%
2.79%
-4.03
生息
股份行
3.83%
3.78%
3.59%
3.55%
3.49%
3.43%
3.12%
3.07%
-4.36
资产
城商行
3.76%
3.73%
3.57%
3.50%
3.47%
3.43%
3.12%
3.07%
-4.94
收益
农商行
3.80%
3.77%
3.50%
3.48%
3.45%
3.41%
3.09%
3.08%
-0.57
上市银行
3.60%
3.56%
3.38%
3.36%
3.31%
3.27%
2.92%
2.88%
-4.17
国有行
2.00%
2.01%
1.97%
1.96%
1.93%
1.90%
1.64%
1.61%
-2.89
计息
股份行
2.23%
2.22%
2.17%
2.12%
2.07%
2.02%
1.75%
1.72%
-3.14
负债
城商行
2.33%
2.35%
2.28%
2.24%
2.21%
2.17%
1.87%
1.85%
-2.49
成本
农商行
2.16%
2.16%
2.03%
2.01%
2.00%
1.96%
1.72%
1.71%
-1.17
上市银行
2.09%
2.09%
2.04%
2.03%
1.99%
1.96%
1.69%
1.66%
-2.89
资料来源：iFind
中邮证券研究所
