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齐鲁银行存款成本始终低于同业约20bps
齐鲁银行存款成本始终低于同业约20bps
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齐鲁银行-601665-A股公司研究报告:省内拓疆可期资产质量稳步向好-260630(32页).pdf
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2017-2025年末江苏银行存款结构
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行业数据
2026-07-10
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一线城市租金回报率为1.81%,与30年国债利差为-41bps(单位:%)
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行业数据
2026-07-02
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1Q26银行存款规模同比增长21.83%,2025年银行存款规模同比增长19.99%
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市场规模
2026-07-01
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2025年末县域存款在齐鲁银行总存款中占比
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行业数据
2026-07-01
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2025年银行活期存款占比提升
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行业数据
2026-07-01
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香港主要银行存款市占率
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竞争格局
2026-06-01
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南京银行对公存款规模持续增长
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市场规模
2026-05-19
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2025年银行存款规模同比增长16.41%
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市场规模
2026-05-19
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图30、霍顿(DHI.N)BPS&PB
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行业数据
2026-05-11
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2023年来上市银行存款平均期限逐步压降
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行业数据
2026-04-22
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YoY availability changes (bps) by market
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行业数据
2026-04-20
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齐鲁银行存款成本优势自2022年起扩大
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行业数据
2026-04-10
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齐鲁银行县域存款占比2022年起明显提升
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行业数据
2026-04-10
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重庆银行存款规模同比增长19.5%
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市场规模
2026-04-09
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依托扎实的存款基础,齐鲁银行存款成本始终低于同业约 20bps,后续仍有可观改善空间。在本土大本营稳固、县域持续贡献存款以及政信沉淀三重助力下,“十四五”期间齐鲁银行存款保持约 15%的增速中枢(A 股上市城商行平均:12%),1Q26 存款在总负债中占比高达 66%(同业平均为 62%)。从成本看,2020-2025 年齐鲁银行平均存款成本率仅2.05%,低于同业平均 18bps;2022 年以来,受益于存款报价下调及自身主动优化结构(大力沉淀低成本政信存款,2025 年对公存款成本下降 37bps 至 1.27%),带动 2025 年末存款成本较 2022 年下降 54bps 至 1.63%(其中 2025 年降幅为 37bps,较 2024 年扩大25bps)。考虑到 2025 年末齐鲁银行定期存款占存款比重约 75%,结构持续优化下我们预计存款成本改善仍将继续支撑息差表现。
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齐鲁银行-601665-A股公司研究报告:省内拓疆可期资产质量稳步向好-260630(32页).pdf
齐鲁银行存款成本始终低于同业约20bps
齐鲁银行资产端定价水平整体较同业偏低
齐鲁银行现任管理层一览
综合考虑用足资本和利润留存,可支撑超4000亿贷款投放,资本无忧
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