银行业资产稳健增长 2025年一季度，我国银行业总资产稳步增长，金融服务实体经济的能力不断增强，为经济持续修复注入 强劲动力。 数据显示，截至2025年一季度末，我国银行业金融机构本外币资产总额达458.3万亿元，同比增长 6.7%。其中，大型商业银行本外币资产总额为198.5万亿元，同比增长7.3%，占比43.3%；股份制商业银 行本外币资产总额75.5万亿元，同比增长5.2%，占比16.5% 。 不良贷款余额与不良率双升，关注类贷款占比下降。 金融监管总局近日发布2025年一季度银行业保险业主要监管指标数据情况。2025年一季度，我国银行业 展现出"稳增长、调结构、控风险"的发展态势。 数据显示，一季度末，我国银行业金融机构本外币资产总额458.3万亿元，同比增长6.7%。商业银行信 贷资产质量总体稳定，但不良贷款余额和不良率均较上季度末有所上升。一季度末，商业银行不良贷款 余额3.4万亿元，较上季末增加1574亿元；不良贷款率1.51%，较上季末上升0.01个百分点。 不良贷款余额与不良率双升背后，关注类贷款占比下降，叠加资本充足率、拨备覆盖率等核心监管指标 向好，印证行业风险抵御能力持续增强，为经济高 ...

2025 年 5 月 18 日 行业研究 盈利维持稳定，基本面韧性强 ——2025 年一季度商业银行主要监管指标点评 银行业 买入（维持） 作者 分析师：赵晨阳 执业证书编号：S0930524070005 010-57378030 zhaochenyang@ebscn.com 行业与沪深 300 指数对比图 资料来源：Wind 相关研报 经营稳健的"真"红利——2024 年四季 度 商 业 银 行 主 要 监 管 指 标 点 评 （2025-2-23） 盈利增速环比提升，资产质量保持稳健— 2024 年三季度商业银行主要监管指标点 评（2024-11-24） 息差维持稳定，不良额率双降——2024 年二季度商业银行主要监管指标点评 （2024-8-11） 分析师：王一峰 执业证书编号：S0930519050002 010-57378038 wangyf@ebscn.com 分析师：董文欣 执业证书编号：S0930521090001 010-57378035 dongwx@ebscn.com 表 1：各类银行净利润增长情况 | 银行类型 | | 净利润累计同比（%） | | | 净利润单季同比（%） | | - ...

Core Insights - The banking sector in China shows growth in total assets and financial services, with total assets reaching 458.3 trillion yuan, a year-on-year increase of 6.7% [1] - The balance of inclusive loans to small and micro enterprises reached 35.3 trillion yuan, growing by 12.5% year-on-year, while inclusive agricultural loans increased to 13.7 trillion yuan, up by 795.5 billion yuan since the beginning of the year [1] - The overall asset quality of commercial banks remains stable, but there is an increase in non-performing loans (NPLs) and NPL ratios, with NPLs rising to 3.4 trillion yuan, an increase of 157.4 billion yuan from the previous quarter, and an NPL ratio of 1.51%, up by 0.01 percentage points [1] Regulatory Indicators - The banking capital adequacy ratio and insurance solvency ratio are stable and improving, with the NPL ratio decreasing by approximately 0.1 percentage points year-on-year and the provision coverage ratio increasing by about 10 percentage points [2] - In the first quarter, commercial banks achieved a net profit of 656.8 billion yuan, with both average capital return on equity and average asset return on equity rising, although the net interest margin has narrowed [2] Profit Growth Strategies - To alleviate profit growth pressure, banks should optimize their business structure, enhance investment banking and wealth management, and improve non-interest income ratios [3] - Banks are advised to implement refined pricing management and strengthen risk control to lower credit costs, with the current provision coverage ratio at 208.13% providing a buffer against margin pressure [3] Capital Adequacy - As of the end of the first quarter of 2025, the capital adequacy ratio for commercial banks (excluding foreign bank branches) was 15.28%, with a tier one capital adequacy ratio of 12.18% and a core tier one capital adequacy ratio of 10.70%, all within reasonable ranges but showing a slight decline from the previous quarter [3] - The decline in capital adequacy ratios is attributed to rapid asset expansion, an increase in NPLs, and slowing profit growth, indicating a growing balance pressure between credit expansion and risk resistance [3] Capital Supplementation - Banks are encouraged to actively respond to the pressure of declining capital adequacy ratios by solidifying their capital base, utilizing various channels for capital replenishment, including issuing ordinary shares, preferred shares, and convertible bonds [4] - The Ministry of Finance has announced the issuance of 500 billion yuan in special government bonds to support major banks in replenishing core tier one capital [4] - Banks should enhance internal capital accumulation by improving profitability and optimizing asset structures to focus on high-quality asset investments while reducing high-risk, low-efficiency assets [4][5]

【导读】今年一季度，我国银行业和保险业总资产保持增长 数据显示，截至2025年一季度末，我国银行业金融机构本外币资产总额为458.3万亿元，同比增长 6.7%。其中，大型商业银行本外币资产总额为198.5万亿元，同比增长7.3%，占比为43.3%；股份制商业 银行本外币资产总额为75.5万亿元，同比增长5.2%，占比为16.5%。 截至2025年一季度末，保险业金融机构(不含专业保险中介机构)总资产为37.8万亿元，较年初增加1.9万 亿元，增长5.4%。其中，财产险公司为3.1万亿元，较年初增长6.2%；人身险公司为33.1万亿元，较年 初增长4.8%；再保险公司为8423亿元，较年初增长1.7%；保险资产管理公司为1326亿元，较年初增长 3.8%。 在金融服务方面，截至2025年一季度末，我国银行业金融机构普惠型小微企业贷款余额为35.3万亿元， 同比增长12.5%。普惠型涉农贷款余额为13.7万亿元，较年初增加7955亿元。 2025年一季度，保险公司原保险保费收入为2.2万亿元，同比增长0.8%；赔款与给付支出为8274亿元， 同比增长12.2%；新增保单件数249亿件，同比增长20.7%。 资产质 ...

智通财经5月16日电，金融监管总局发布数据，2025年一季度，商业银行累计实现净利润6568亿元。平 均资本利润率为8.82%，较上季末上升0.72个百分点。平均资产利润率为0.68%，较上季末上升0.05个百 分点。2025年一季度末，商业银行贷款损失准备余额为7.2万亿元，较上季末增加2273亿元；拨备覆盖 率为208.13%，较上季末下降3.06个百分点；贷款拨备率为3.15%，较上季末下降0.03个百分点。2025年 一季度末，商业银行（不含外国银行分行）资本充足率为15.28%,一级资本充足率为12.18%，核心一级 资本充足率为10.70%。 一季度商业银行累计实现净利润6568亿元 ...

Group 1: Financial Investment Trends - The financial investment growth rate for listed banks showed divergence, with rural commercial banks rebounding to 8.30% in Q1 2025 after a decline in 2024[2] - State-owned banks' financial investment growth was weaker compared to other types of banks due to liability pressures[2] - The average contribution of investment net income to revenue increased, with contributions for state-owned, joint-stock, city commercial, and rural commercial banks at 6.95%, 18.56%, 25.86%, and 28.85% respectively in Q1 2025[2][31] Group 2: OCI Account and Profit Realization - The average proportion of OCI accounts increased to 32.5%, while the average AC proportion decreased to 47.5% in Q1 2025, indicating a greater reliance on OCI accounts for profit adjustment[2][28] - Estimated remaining sellable old bonds for listed banks is approximately 4.5 trillion yuan, with state-owned banks holding about 2.8 trillion yuan[4] - The pressure to sell bonds may re-emerge in Q2, raising questions about the remaining space for selling old bonds[3] Group 3: Profitability and Cost Management - The average net profit growth rate for listed banks declined from 4.83% in 2024 to 2.29% in Q1 2025, with some banks experiencing negative growth[19] - Average interest margin narrowed to 1.58% in Q1 2025, down from 1.61% in 2024, indicating ongoing profitability pressure[21] - Interest income remains the primary revenue source, but the average interest net income for state-owned banks decreased by 2.75% year-on-year[23] Group 4: Asset Quality and Risk - Overall asset quality improved, but potential risks accumulated, particularly with an increase in the proportion of special mention loans for rural commercial banks[5] - The capital adequacy ratio for various banks declined, with state-owned banks experiencing the most significant drop, indicating pressure on capital retention capabilities[5]

智通财经5月14日电，澳大利亚联邦银行第三季度未经审计法定净利润26亿澳元，第三季度未经审计的 现金净利约26亿澳元，第三季度普通股一级资本充足率11.9％。 澳大利亚联邦银行第三季度未经审计法定净利润26亿澳元 ...

证券代码：002948 证券简称：青岛银行 青岛银行股份有限公司投资者关系活动记录表 编号：2025-04 | | □特定对象调研 □分析师会议 | | --- | --- | | 投资者关系 | □媒体采访 □业绩说明会 | | 活动类别 | □新闻发布会 □路演活动 | | | □现场参观 √其他：投资者网上集体接待日活动 | | 参与单位名称 及人员姓名 | 投资者网上提问 | | 时间 2025 | 年 5 月 12 日（星期一） 15:00-17:00 | | 地点 | 通过全景网（https://www.cs.com.cn）采用网络远程的方式召 | | | 开投资者网上集体接待日活动 | | 上市公司接待 人员姓名 | 董事会秘书张巧雯女士、计划财务部总经理李振国先生 | | | 投资者提出的问题及本行回复情况： | | | 1. 利润连续增长，分红近五年无变化，今年会考虑分 | | | 红额吗？ | | | 答：感谢您的关注。本行历来高度重视对股东的投资回 | | | 报，近五年间，本行平均现金分红比例超过 33%，高于行业 | | 投资者关系活 | 平均水平，给投资者带来了稳定的投资回报。 | ...

美国财长贝森特：银行资本充足率制度改革是金融监管机构的"优先事项"。 ...

[Table_Title] 证券研究报告 / 行业动态报告 投资支撑营收，息差降幅收窄 ---上市银行 2025Q1 业绩综述 报告摘要： [Table_Summary] 2025Q1 营业收入与归母净利润小幅下滑。2025 年一季度，42 家上市银 行共实现营业收入 1.45 万亿元，同比下降 1.72%。实现归母净利润 5639.79 亿元，同比下降 1.20%。 投资收益快速增长，占比营收提升明显。2025 年一季度，42 家上市银行 共实现利息净收入、手续费及佣金净收入、投资收益分别为 1.02 万亿元 （yoy-1.65%）、0.23 万亿元（yoy-0.72%）、0.17 万亿元（yoy+26.10%）， 占营收比例分别为 70.80%、15.67%、11.62%，较上年末分别提升 0.05、 0.16、2.56 个百分点。拨备计提减少释放利润，但降幅收窄。2025 年一 季度，上市银行资产减值损失为 3471.34 亿元，同比下降 2.37%，补偿了 利润，但降幅较上年全年收窄 3.61 个百分点。 信贷规模稳步增长，增速企稳。截至 2025 年一季度末，42 家上市银行 贷款及垫款总规模为 1 ...