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上市银行消费性贷款(含信用卡)占个人贷款比重一览
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<|begin_of_box|>| 银行名称   | 2021A  | 2022A  | 2024A  | 2024H1 | 2024A  | 2025H1 | 25H1排名 | 排名较24A变动 | 25H1同比变化 | 同比变化排名 |
|------------|--------|--------|--------|--------|--------|--------|----------|----------------|---------------|--------------|
| 工商银行   | 2.36%  | 2.82%  | 3.79%  | 4.36%  | 4.70%  | 5.06%  | 33       | 0              | 0.70pct       | 19           |
| 建设银行   | 2.92%  | 3.55%  | 4.86%  | 5.49%  | 5.95%  | 6.75%  | 31       | 0              | 1.26pct       | 14           |
| 农业银行   | 2.47%  | 2.57%  | 4.23%  | 4.98%  | 5.40%  | 5.79%  | 32       | 0              | 0.81pct       | 18           |
| 中国银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 邮储银行   | 13.22% | 11.54% | 11.65% | 12.11% | 12.86% | 12.95% | 26       | -1             | 0.84pct       | 17           |
| 交通银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 招商银行   | 未披露 | 6.40%  | 8.77%  | 10.67% | 10.87% | 11.32% | 28       | 0              | 0.65pct       | 20           |
| 兴业银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 浦发银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 民生银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 光大银行   | 14.96% | 13.72% | 12.94% | 12.73% | 13.35% | 14.01% | 25       | 0              | 1.28pct       | 13           |
| 平安银行   | 8.32%  | 29.42% | 27.57% | 26.82% | 26.86% | 26.54% | 9        | 0              | -0.28pct      | 23           |
| 华夏银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 浙商银行   | 31.71% | 29.26% | 30.78% | 27.32% | 24.53% | 24.63% | 12       | 0              | -2.69pct      | 32           |
| 北京银行   | 15.98% | 20.99% | 28.64% | 28.88% | 28.51% | 28.38% | 8        | 0              | -0.49pct      | 25           |
| 江苏银行   | 45.31% | 45.37% | 48.18% | 47.41% | 47.84% | 48.97% | 4        | 0              | 1.55pct       | 11           |
| 上海银行   | 36.45% | 26.63% | 25.46% | 24.90% | 25.48% | 26.39% | 10       | -1             | 1.50pct       | 12           |
| 宁波银行   | 65.99% | 62.20% | 63.28% | 63.43% | 64.10% | 64.49% | 1        | 0              | 1.07pct       | 15           |
| 南京银行   | 49.32% | 55.00% | 61.16% | 61.56% | 63.66% | 62.43% | 2        | 0              | 0.87pct       | 16           |
| 杭州银行   | 25.10% | 25.30% | 22.73% | 23.83% | 22.21% | 21.08% | 17       | 2              | -2.75pct      | 33           |
| 成都银行   | 1.84%  | 11.92% | 14.61% | 15.62% | 15.93% | 17.46% | 23       | 1              | 1.84pct       | 10           |
| 长沙银行   | 28.67% | 32.30% | 36.57% | 38.22% | 39.67% | 42.10% | 5        | 0              | 3.87pct       | 6            |
| 重庆银行   | 19.75% | 11.10% | 10.29% | 11.16% | 15.08% | 20.12% | 18       | -5             | 8.96pct       | 2            |
| 贵阳银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 郑州银行   | 5.55%  | 8.65%  | 14.66% | 16.30% | 18.85% | 21.89% | 16       | -3             | 5.59pct       | 4            |
| 青岛银行   | 24.78% | 23.07% | 27.62% | 26.06% | 25.69% | 24.35% | 13       | 3              | -1.70pct      | 29           |
| 苏州银行   | 17.41% | 18.90% | 19.31% | 21.89% | 23.55% | 26.16% | 11       | -2             | 4.27pct       | 5            |
| 齐鲁银行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 兰州银行   | 33.77% | 27.82% | 28.35% | 26.27% | 33.07% | 35.03% | 6        | -1             | 8.76pct       | 3            |
| 厦门银行   | 10.32% | 10.20% | 9.10%  | 9.10%  | 9.55%  | 8.62%  | 29       | 0              | -0.47pct      | 24           |
| 西安银行   | 52.43% | 48.06% | 50.01% | 46.53% | 54.95% | 60.51% | 3        | 0              | 13.98pct      | 1            |
| 渝农商行   | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 未披露 | 不可比   | 不可比         | 不可比        | 不可比       |
| 沪农商行   | 18.30% | 18.69% | 19.94% | 20.64% | 20.05% | 19.47% | 19       | 2              | -1.17pct      | 28           |
| 青农商行   | 3.75%  | 4.37%  | 5.68%  | 6.48%  | 7.32%  | 8.60%  | 30       | 0              | 2.12pct       | 9            |
| 常熟银行   | 17.00% | 18.54% | 18.45% | 19.06% | 19.05% | 19.28% | 20       | 2              | 0.22pct       | 22           |
| 紫金银行   | 未披露 | 25.41% | 35.00% | 34.18% | 36.12% | 31.88% | 7        | 1              | -2.29pct      | 31           |
| 无锡银行   | 13.57% | 17.76% | 23.31% | 23.70% | 23.30% | 22.61% | 14       | 0              | -1.09pct      | 26           |
| 张家港行   | 11.77% | 14.81% | 19.99% | 16.49% | 13.72% | 14.46% | 24       | 0              | -2.03pct      | 30           |
| 苏农银行   | 18.00% | 13.37% | 18.74% | 19.64% | 20.71% | 21.95% | 15       | -1             | 2.30pct       | 8            |
| 江阴银行   | 8.59%  | 13.21% | 16.23% | 17.97% | 18.24% | 18.36% | 21       | 1              | 0.39pct       | 21           |
| 瑞丰银行   | 15.19% | 14.26% | 15.02% | 15.51% | 18.09% | 18.03% | 22       | 1              | 2.53pct       | 7            |
| 所有       | 20.21% | 20.58% | 22.73% | 22.81% | 23.71% | 24.30% | 2        | 0              | 1.49pct       | 2            |
| 国有行     | 5.24%  | 5.12%  | 6.13%  | 6.74%  | 7.23%  | 7.64%  | 5        | 0              | 0.90pct       | 3            |
| 股份行     | 16.67% | 18.13% | 18.63% | 18.18% | 17.75% | 17.75% | 4        | 0              | -0.43pct      | 5            |
| 城商行     | 28.85% | 28.50% | 30.67% | 30.74% | 32.54% | 33.87% | 1        | 0              | 3.12pct       | 1            |
| 农商行     | 13.27% | 15.60% | 19.15% | 19.30% | 19.62% | 19.41% | 3        | 0              | 0.11pct       | 4            |

数据来源：Wind，广发证券发展研究中心<|end_of_box|>
| 证券简称 | 2021A   | 2022A   | 2024A   | 2024H1  | 2024A   | 2025H1  | 25H1排名 | 较24A变动 | 25H1同比变化 | 同比变化排名 | 25H1环比变化 | 环比变化排名 |
|----------|---------|---------|---------|---------|---------|---------|----------|-----------|--------------|--------------|--------------|--------------|
| 工商银行 | 26.82%  | 26.85%  | 26.74%  | 27.86%  | 29.32%  | 30.04%  | 31       | -4        | 2.18pct      | 12           | 0.41pct      | 14           |
| 建设银行 | 25.42%  | 24.70%  | 25.15%  | 24.67%  | 26.38%  | 26.53%  | 40       | 1         | 1.86pct      | 13           | 0.07pct      | 21           |
| 农业银行 | 28.19%  | 27.91%  | 27.93%  | 30.52%  | 31.94%  | 30.74%  | 29       | 3         | 0.22pct      | 29           | -0.61pct     | 38           |
| 中国银行 | 23.70%  | 22.81%  | 22.50%  | 22.27%  | 24.31%  | 25.48%  | 41       | 0         | 3.21pct      | 3            | 0.82pct      | 8            |
| 邮储银行 | 34.44%  | 35.10%  | 34.16%  | 34.48%  | 35.17%  | 33.96%  | 20       | 3         | -0.52pct     | 34           | -0.23pct     | 27           |
| 交通银行 | 30.77%  | 31.03%  | 29.70%  | 28.99%  | 29.66%  | 29.20%  | 34       | 0         | 0.20pct      | 30           | -0.33pct     | 32           |
| 招商银行 | 23.92%  | 27.56%  | 29.18%  | 29.01%  | 30.52%  | 31.46%  | 27       | -3        | 2.45pct      | 11           | 0.38pct      | 17           |
| 兴业银行 | 35.56%  | 34.76%  | 33.47%  | 31.23%  | 33.71%  | 34.00%  | 19       | -1        | 2.77pct      | 6            | -0.21pct     | 25           |
| 浦发银行 | 29.13%  | 29.91%  | 30.30%  | 28.83%  | 30.50%  | 29.35%  | 33       | 1         | 0.52pct      | 27           | 0.32pct      | 19           |
| 民生银行 | 30.39%  | 31.89%  | 30.76%  | 31.37%  | 31.92%  | 31.54%  | 26       | -1        | 0.18pct      | 31           | 0.15pct      | 20           |
| 光大银行 | 31.97%  | 33.35%  | 33.82%  | 33.32%  | 32.62%  | 33.04%  | 22       | -3        | -0.29pct     | 33           | 0.55pct      | 12           |
| 平安银行 | 26.52%  | 25.87%  | 25.30%  | 26.89%  | 28.16%  | 28.56%  | 37       | 0         | 1.68pct      | 15           | 2.27pct      | 2            |
| 华夏银行 | 31.46%  | 33.40%  | 38.17%  | 37.36%  | 38.38%  | 38.27%  | 13       | 1         | 0.90pct      | 22           | 0.03pct      | 22           |
| 浙商银行 | 29.48%  | 29.76%  | 33.05%  | 32.73%  | 33.28%  | 33.03%  | 23       | 1         | 0.30pct      | 28           | -0.56pct     | 36           |
| 北京银行 | 32.59%  | 33.69%  | 34.34%  | 32.99%  | 34.55%  | 35.53%  | 16       | -2        | 2.54pct      | 9            | -0.25pct     | 29           |
| 江苏银行 | 35.80%  | 36.11%  | 35.96%  | 36.66%  | 38.51%  | 39.29%  | 10       | -1        | 2.63pct      | 7            | -0.21pct     | 26           |
| 上海银行 | 39.57%  | 40.40%  | 42.66%  | 42.55%  | 43.14%  | 41.68%  | 7        | 3         | -0.86pct     | 38           | 0.35pct      | 18           |
| 宁波银行 | 48.94%  | 47.71%  | 45.86%  | 44.33%  | 44.35%  | 43.47%  | 3        | 1         | -0.86pct     | 37           | 0.55pct      | 11           |
| 南京银行 | 45.72%  | 43.94%  | 42.60%  | 42.83%  | 41.88%  | 43.80%  | 2        | -5        | 0.97pct      | 19           | 2.20pct      | 3            |
| 杭州银行 | 46.94%  | 46.11%  | 47.36%  | 47.66%  | 46.02%  | 46.89%  | 1        | 0         | -0.77pct     | 36           | 1.27pct      | 5            |
| 成都银行 | 34.30%  | 32.46%  | 29.29%  | 25.85%  | 28.22%  | 28.95%  | 35       | -1        | 3.09pct      | 4            | 0.75pct      | 10           |
| 长沙银行 | 44.92%  | 42.36%  | 41.36%  | 40.94%  | 42.59%  | 41.84%  | 6        | 0         | 0.89pct      | 23           | -0.26pct     | 30           |
| 重庆银行 | 35.51%  | 36.11%  | 37.07%  | 32.08%  | 40.68%  | 41.30%  | 8        | -1        | 9.22pct      | 1            | -0.19pct     | 24           |
| 贵阳银行 | 48.55%  | 46.52%  | 40.89%  | 41.01%  | 42.67%  | 42.76%  | 5        | 0         | 1.75pct      | 14           | -0.68pct     | 39           |
| 郑州银行 | 36.52%  | 32.88%  | 31.51%  | 31.39%  | 31.47%  | 32.53%  | 25       | -3        | 1.14pct      | 18           | -0.23pct     | 28           |
| 青岛银行 | 37.48%  | 39.66%  | 38.48%  | 36.08%  | 38.08%  | 38.60%  | 12       | -2        | 2.52pct      | 10           | 1.29pct      | 4            |
| 苏州银行 | 39.23%  | 37.14%  | 37.48%  | 37.13%  | 38.34%  | 38.70%  | 11       | -2        | 1.57pct      | 16           | 3.05pct      | 1            |
| 齐鲁银行 | 39.85%  | 40.21%  | 41.07%  | 42.08%  | 43.43%  | 42.79%  | 4        | 1         | 0.71pct      | 26           | -0.40pct     | 33           |
| 兰州银行 | 30.87%  | 29.97%  | 29.62%  | 29.76%  | 33.09%  | 32.81%  | 24       | 1         | 3.05pct      | 5            | 0.79pct      | 9            |
| 厦门银行 | 28.39%  | 27.04%  | 29.46%  | 30.97%  | 35.90%  | 34.46%  | 18       | 2         | 3.49pct      | 2            | -0.27pct     | 31           |
| 西安银行 | 37.10%  | 44.50%  | 40.96%  | 40.91%  | 40.05%  | 36.00%  | 15       | 5         | -4.90pct     | 42           | -0.48pct     | 34           |
| 渝农商行 | 40.94%  | 42.08%  | 41.26%  | 40.73%  | 41.16%  | 39.74%  | 9        | 1         | -0.99pct     | 39           | -0.80pct     | 40           |
| 沪农商行 | 28.39%  | 32.12%  | 36.21%  | 36.61%  | 36.15%  | 37.58%  | 14       | -1        | 0.97pct      | 20           | 0.94pct      | 7            |
| 青农商行 | 35.98%  | 34.86%  | 36.23%  | 36.02%  | 34.50%  | 35.37%  | 17       | -2        | -0.65pct     | 35           | 1.03pct      | 6            |
| 常熟银行 | 24.32%  | 25.07%  | 26.09%  | 26.79%  | 25.73%  | 27.70%  | 38       | -2        | 0.91pct      | 21           | 0.45pct      | 13           |
| 紫金银行 | 22.00%  | 18.99%  | 20.51%  | 18.37%  | 19.87%  | 19.09%  | 42       | 0         | 0.72pct      | 25           | -4.99pct     | 42           |
| 无锡银行 | 33.41%  | 30.99%  | 31.21%  | 28.82%  | 30.45%  | 30.05%  | 30       | -3        | 1.23pct      | 17           | 0.41pct      | 15           |
| 张家港行 | 32.24%  | 31.54%  | 32.15%  | 30.69%  | 30.51%  | 27.62%  | 39       | 8         | -3.07pct     | 41           | -0.16pct     | 23           |
| 苏农银行 | 28.13%  | 29.92%  | 30.82%  | 31.37%  | 30.71%  | 30.02%  | 32       | 3         | -1.35pct     | 40           | -1.01pct     | 41           |
| 江阴银行 | 33.24%  | 32.91%  | 32.71%  | 28.86%  | 32.65%  | 31.40%  | 28       | 4         | 2.54pct      | 8            | -0.56pct     | 37           |
| 瑞丰银行 | 25.09%  | 26.42%  | 32.35%  | 33.10%  | 33.52%  | 33.12%  | 21       | 0         | 0.02pct      | 32           | -0.48pct     | 35           |
| 所有     | 33.40%  | 33.48%  | 33.69%  | 33.20%  | 34.34%  | 34.22%  | 2        | 0         | 1.02pct      | 4            | 0.13pct      | 3            |
| 国有行   | 28.22%  | 28.07%  | 27.70%  | 28.13%  | 29.46%  | 29.32%  | 5        | 0         | 1.19pct      | 2            | 0.02pct      | 4            |
| 股份行   | 29.74%  | 30.68%  | 31.45%  | 30.98%  | 31.90%  | 32.00%  | 3        | 0         | 1.03pct      | 3            | 0.37pct      | 2            |
| 城商行   | 38.96%  | 38.64%  | 38.00%  | 37.37%  | 39.00%  | 38.91%  | 1        | 0         | 1.54pct      | 1            | 0.43pct      | 1            |
| 农商行   | 30.37%  | 30.49%  | 31.95%  | 31.14%  | 31.52%  | 31.17%  | 4        | 0         | 0.03pct      | 5            | -0.52pct     | 5            |

数据来源：Wind，广发证券发展研究中心
<|begin_of_box|>| 证券名称   | 2021A   | 2022A   | 2024A   | 2024H1  | 2024A   | 2025H1  | 25H1排名 | 较24A变动 | 25H1同比变化 | 同比变化排名 |
|------------|---------|---------|---------|---------|---------|---------|----------|-----------|--------------|--------------|
| 工商银行   | 3.29%   | 3.31%   | 3.30%   | 3.20%   | 3.12%   | 2.81%   | 22       | 3         | -0.39pct     | 29           |
| 建设银行   | 3.41%   | 3.39%   | 3.25%   | 3.14%   | 3.09%   | 2.89%   | 12       | -12       | -0.25pct     | 10           |
| 农业银行   | 3.47%   | 3.36%   | 3.28%   | 3.08%   | 2.99%   | 2.77%   | 29       | -2        | -0.31pct     | 20           |
| 中国银行   | 2.94%   | 2.95%   | 3.16%   | 3.25%   | 3.18%   | 2.94%   | 9        | -1        | -0.31pct     | 20           |
| 邮储银行   | 3.60%   | 3.43%   | 3.22%   | 3.12%   | 3.06%   | 2.82%   | 21       | -6        | -0.30pct     | 14           |
| 交通银行   | 3.25%   | 3.29%   | 3.36%   | 3.34%   | 3.27%   | 3.10%   | 4        | -4        | -0.24pct     | 7            |
| 招商银行   | 3.35%   | 3.24%   | 3.22%   | 3.14%   | 3.08%   | 2.89%   | 12       | -13       | -0.25pct     | 8            |
| 兴业银行   | 3.96%   | 3.66%   | 3.50%   | 3.46%   | 3.28%   | 3.15%   | 2        | -5        | -0.31pct     | 18           |
| 浦发银行   | 3.63%   | 3.54%   | 3.46%   | 3.37%   | 3.31%   | 3.14%   | 3        | -2        | -0.23pct     | 6            |
| 民生银行   | 3.39%   | 3.17%   | 3.11%   | 2.98%   | 2.93%   | 2.76%   | 30       | -3        | -0.22pct     | 5            |
| 光大银行   | 3.72%   | 3.48%   | 3.32%   | 3.21%   | 3.14%   | 2.90%   | 10       | -6        | -0.31pct     | 17           |
| 平安银行   | 3.01%   | 3.13%   | 3.11%   | 3.04%   | 3.04%   | 2.85%   | 19       | -9        | -0.19pct     | 3            |
| 华夏银行   | 4.13%   | 3.93%   | 3.34%   | 3.18%   | 3.11%   | 2.88%   | 15       | -6        | -0.30pct     | 16           |
| 浙商银行   | 4.13%   | 3.89%   | 3.46%   | 3.23%   | 3.00%   | 2.87%   | 16       | -13       | -0.36pct     | 24           |
| 北京银行   | 4.04%   | 3.70%   | 3.31%   | 3.16%   | 3.09%   | 2.74%   | 33       | 10        | -0.42pct     | 31           |
| 江苏银行   | 未披露  | 3.66%   | 3.32%   | 3.23%   | 3.14%   | 2.78%   | 25       | 10        | -0.45pct     | 33           |
| 上海银行   | 3.66%   | 3.30%   | 3.21%   | 3.10%   | 2.97%   | 2.75%   | 31       | -1        | -0.35pct     | 23           |
| 宁波银行   | 3.83%   | 3.46%   | 3.36%   | 3.22%   | 3.15%   | 2.78%   | 25       | 12        | -0.44pct     | 32           |
| 南京银行   | 4.00%   | 3.82%   | 3.49%   | 3.25%   | 3.15%   | 2.75%   | 31       | 18        | -0.50pct     | 37           |
| 杭州银行   | 4.02%   | 3.69%   | 3.58%   | 3.37%   | 3.30%   | 2.97%   | 7        | 1         | -0.40pct     | 30           |
| 成都银行   | 4.70%   | 4.37%   | 3.86%   | 3.42%   | 3.36%   | 2.96%   | 8        | 4         | -0.46pct     | 35           |
| 长沙银行   | 3.79%   | 3.68%   | 3.51%   | 3.23%   | 3.13%   | 2.78%   | 25       | 7         | -0.45pct     | 33           |
| 重庆银行   | 5.22%   | 4.58%   | 3.96%   | 3.78%   | 3.61%   | 3.02%   | 6        | 4         | -0.76pct     | 42           |
| 贵阳银行   | 5.21%   | 3.45%   | 4.31%   | 3.96%   | 3.77%   | 4.46%   | 1        | 0         | 0.50pct      | 1            |
| 郑州银行   | 4.60%   | 4.10%   | 3.72%   | 3.41%   | 3.11%   | 2.84%   | 20       | -1        | -0.57pct     | 39           |
| 青岛银行   | 3.85%   | 3.64%   | 3.35%   | 3.23%   | 3.14%   | 2.86%   | 17       | 1         | -0.37pct     | 26           |
| 苏州银行   | 4.02%   | 3.77%   | 3.67%   | 3.28%   | 3.12%   | 2.64%   | 35       | 16        | -0.64pct     | 40           |
| 齐鲁银行   | 3.54%   | 3.34%   | 3.14%   | 2.99%   | 2.88%   | 2.62%   | 37       | 3         | -0.37pct     | 26           |
| 兰州银行   | 3.83%   | 3.91%   | 3.73%   | 3.57%   | 3.50%   | 3.10%   | 4        | 1         | -0.47pct     | 36           |
| 厦门银行   | 3.23%   | 3.06%   | 2.99%   | 2.91%   | 2.88%   | 2.64%   | 35       | 1         | -0.27pct     | 12           |
| 西安银行   | 3.84%   | 3.65%   | 3.43%   | 3.20%   | 3.18%   | 2.90%   | 10       | 0         | -0.30pct     | 14           |
| 渝农商行   | 3.87%   | 3.62%   | 3.34%   | 3.18%   | 3.08%   | 2.86%   | 17       | -8        | -0.32pct     | 22           |
| 沪农商行   | 3.51%   | 3.35%   | 3.17%   | 3.06%   | 3.00%   | 2.81%   | 22       | -7        | -0.25pct     | 9            |
| 青农商行   | 3.67%   | 3.55%   | 3.34%   | 3.26%   | 3.16%   | 2.89%   | 12       | 0         | -0.37pct     | 25           |
| 常熟银行   | 3.77%   | 3.57%   | 3.52%   | 3.33%   | 3.25%   | 2.78%   | 25       | 16        | -0.55pct     | 38           |
| 紫金银行   | 3.08%   | 2.76%   | 2.72%   | 2.68%   | 2.59%   | 2.80%   | 24       | -17       | 0.12pct      | 2            |
| 无锡银行   | 3.62%   | 3.18%   | 2.98%   | 2.78%   | 2.69%   | 2.40%   | 40       | 1         | -0.38pct     | 28           |
| 张家港行   | 3.24%   | 2.81%   | 2.69%   | 2.13%   | 2.07%   | 1.93%   | 42       | 0         | -0.20pct     | 4            |
| 苏农银行   | 3.74%   | 3.10%   | 2.99%   | 2.87%   | 2.87%   | 2.59%   | 39       | 2         | -0.28pct     | 13           |
| 江阴银行   | 3.07%   | 3.04%   | 3.24%   | 2.72%   | 2.73%   | 2.00%   | 41       | 3         | -0.72pct     | 41           |
| 瑞丰银行   | 3.39%   | 2.90%   | 2.86%   | 2.91%   | 2.68%   | 2.65%   | 34       | -6        | -0.26pct     | 11           |
| 所有       | 3.43%   | 3.36%   | 3.28%   | 3.18%   | 3.10%   | 2.86%   | 2        | 0         | -0.31pct     | 4            |
| 国有行     | 3.33%   | 3.29%   | 3.26%   | 3.17%   | 3.09%   | 2.86%   | 3        | -1        | -0.31pct     | 3            |
| 股份行     | 3.61%   | 3.42%   | 3.28%   | 3.18%   | 3.10%   | 2.90%   | 1        | -2        | -0.27pct     | 1            |
| 城商行     | 4.33%   | 3.66%   | 3.46%   | 3.27%   | 3.16%   | 2.85%   | 4        | 3         | -0.41pct     | 5            |
| 农商行     | 3.64%   | 3.40%   | 3.20%   | 3.04%   | 2.96%   | 2.74%   | 5        | 0         | -0.31pct     | 2            |

数据来源：Wind，广发证券发展研究中心<|end_of_box|>
所属报告:
银行行业:25H1上市银行息差排名及变化分析-250909(52页).pdf
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fCDpk7booYwgfCDpnZ7lhajpop3ov5jmrL7lrqLmiLfmjojkv6HkvZnpop3ljaDmr5QgfCDpnZ7lhajpop3ov5jmrL7lrqLmiLfliqDmnYPlubPlnYfliKnnjocgfAp8Oi0tLTp8Oi0tLTp8Oi0tLTp8CnwgQkJWQSB8IDc4LjglIHwgMzcuMCUgfAp8IEJhbm9ydGUgfCA3MS45JSB8IDM2LjQlIHwKfCBTYW50YW5kZXIgfCA1OC4zJSB8IDM3LjMlIHwKfCBIU0JDIHwgNjguNCUgfCAzNC42JSB8CnwgQmFuYW1leCB8IDU0LjUlIHwgMzQuOSUgfAp8IFNjb3RpYWJhbmsgfCA2Mi43JSB8IDQ1LjAlIHwKCioq6LWE5paZ5p2l5rqQ77ya5aKo6KW/5ZOl6ZO26KGM77yM6KW/6YOo6K+B5Yi456CU5Y+R5Lit5b+DKio=
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图5.11 信用卡贷款和破产申请的录账率和违约率
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图表142025年前三个季度,美国信用卡银行净息差9.3%
| FIRST THREE QUARTERS (The way it is...) | All Insured Institutions | Credit Card Banks | International Banks | Agricultural Banks | Commercial Lenders | Mortgage Lenders | Consumer Lenders | Other Specialized <$1 Billion | All Other <$1 Billion | All Other >$1 Billion |
|-----------------------------------------|--------------------------|-------------------|---------------------|--------------------|--------------------|------------------|------------------|------------------------------|-----------------------|-----------------------|
| Number of institutions reporting        | 4,379                    | 9                 | 5                   | 955                | 2,435              | 317              | 33               | 162                          | 385                   | 78                    |
| Commercial banks                        | 3,848                    | 8                 | 5                   | 944                | 2,200              | 103              | 30               | 147                          | 344                   | 67                    |
| Savings institutions                    | 531                      | 1                 | 0                   | 11                 | 235                | 214              | 3                | 15                           | 41                    | 11                    |
| Total assets (in billions)              | $25,113.2                | $1,052.1          | $6,559.8            | $306.6             | $7,434.3           | $533.9           | $281.8           | $33.0                        | $89.9                 | $8,821.9              |
| Commercial banks                        | 23,937.0                 | 941.5             | 6,559.8             | 299.3              | 6,959.8            | 118.2            | 280.7            | 30.8                         | 78.8                  | 8,668.1               |
| Savings institutions                    | 1,176.2                  | 110.6             | 0.0                 | 7.3                | 474.5              | 415.7            | 1.1              | 2.2                          | 11.1                  | 153.8                 |
| Total deposits (in billions)            | 19,749.8                 | 808.7             | 4,821.4             | 257.0              | 6,106.5            | 448.2            | 230.0            | 26.2                         | 77.1                  | 6,974.7               |
| Commercial banks                        | 18,791.7                 | 726.1             | 4,821.4             | 253.3              | 5,729.8            | 98.0             | 229.1            | 25.0                         | 67.9                  | 6,841.1               |
| Savings institutions                    | 958.1                    | 82.6              | 0.0                 | 3.7                | 376.7              | 350.2            | 0.9              | 1.2                          | 9.3                   | 133.6                 |
| Bank net income (in millions)           | 218,508                  | 10,832            | 56,920              | 3,010              | 60,936             | 4,414            | 2,661            | 797                          | 913                   | 78,025                |
| Commercial banks                        | 208,444                  | 8,287             | 56,920              | 2,889              | 58,180             | 1,030            | 2,658            | 382                          | 866                   | 77,231                |
| Savings institutions                    | 10,064                   | 2,545             | 0                   | 121                | 2,756              | 3,385            | 3                | 415                          | 47                    | 794                   |
| Performance Ratios (annualized, %)      |                          |                   |                     |                    |                    |                  |                  |                              |                       |                       |
| Yield on earning assets                 | 5.56                     | 12.52             | 5.37                | 5.76               | 5.62               | 3.58             | 8.01             | 4.72                         | 5.31                  | 4.92                  |
| Cost of funding earning assets          | 2.29                     | 3.23              | 2.61                | 2.03               | 2.11               | 1.42             | 3.41             | 1.09                         | 1.62                  | 2.15                  |
| Net interest margin                     | 3.27                     | 9.29              | 2.76                | 3.73               | 3.50               | 2.15             | 4.60             | 3.62                         | 3.68                  | 2.77                  |
| Noninterest income to assets            | 1.37                     | 4.44              | 1.76                | 0.52               | 0.84               | 1.05             | 1.38             | 6.98                         | 1.07                  | 1.23                  |
| Noninterest expense to assets           | 2.44                     | 7.40              | 2.32                | 2.33               | 2.38               | 1.73             | 2.93             | 6.10                         | 2.89                  | 2.03                  |
| Credit loss provision to assets**       | 0.39                     | 3.63              | 0.35                | 0.15               | 0.22               | 0.02             | 0.75             | 0.10                         | 0.08                  | 0.23                  |
| Net operating income to assets          | 1.20                     | 1.49              | 1.19                | 1.35               | 1.15               | 1.07             | 1.47             | 3.18                         | 1.40                  | 1.21                  |
| Pretax return on assets                 | 1.49                     | 1.90              | 1.56                | 1.52               | 1.41               | 1.37             | 1.69             | 4.14                         | 1.53                  | 1.46                  |
| Return on assets                        | 1.19                     | 1.50              | 1.19                | 1.33               | 1.12               | 1.08             | 1.29             | 3.26                         | 1.38                  | 1.20                  |
| Return on equity                         | 11.74                    | 11.84             | 13.44               | 13.26              | 10.13              | 11.40            | 13.52            | 19.69                        | 13.55                 | 11.96                 |

资料来源：FDIC
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图3-34 信用卡主要权益和优惠活动认知情况(年龄)
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2025-12-10
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图2-16 信用卡从申请到审批完成时长(机构)
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2025-12-10
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图3-39 “信用卡容时容差机制”的了解程度(城市)
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2025-12-10
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图3-134促使信用卡客户在一家银行办理储蓄卡的因素(收入)
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2025-12-10
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图2-33 信用卡产品正向满意度(年龄)
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2025-12-10
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图3-31 能接受的信用卡“最短免息期”(收入)
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2025-12-10
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图2-42信用卡申请过程中,最耗时/体验最差环节(收入)
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银行行业:25H1上市银行息差排名及变化分析-250909(52页).pdf
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