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class=\"wp-block-heading\">\u5229\u606f\u4e4b\u5916\uff1a\u624b\u7eed\u8d39\u548c\u4f63\u91d1\u7684\u6218\u7565\u5fc5\u8981\u6027<\/h3>\n\n\n\n<p>\u968f\u7740\u51c0\u5229\u606f\u6536\u5165\u7684\u53ef\u9884\u89c1\u6027\u7a33\u5b9a\uff0c\u624b\u7eed\u8d39\u548c\u4f63\u91d1\u6536\u5165\u5df2\u6210\u4e3a\u672a\u6765\u53ef\u6301\u7eed\u6027\u7684\u6218\u7565\u652f\u67f1\u3002\u5404\u94f6\u884c\u5728\u8fd9\u4e00\u9886\u57df\u8868\u73b0\u51fa\u5f3a\u52b2\u7684\u52bf\u5934\uff0c\u4e3b\u8981\u7531\u8d44\u4ea7\u7ba1\u7406\u3001\u4fdd\u9669\u548c\u652f\u4ed8\u670d\u52a1\u9a71\u52a8\u30022025\u5e74\u7684\u4e1a\u7ee9\u6e05\u695a\u5730\u8bc1\u660e\u4e86\u8fd9\u4e00\u52aa\u529b\uff1a\u6851\u5766\u5fb7\u94f6\u884c\uff08Banco Santander\uff09\u7684\u624b\u7eed\u8d39\u548c\u4f63\u91d1\u6536\u5165\u521b\u4e0b\u5386\u53f2\u65b0\u9ad8\uff08\u589e\u957f4%\uff09\uff0cBankinter\u5b9e\u73b0\u4e8610.6%\u7684\u663e\u8457\u589e\u957f\uff0cCaixaBank\u7684\u8be5\u9879\u6536\u5165\u4e5f\u589e\u957f\u4e865.7%\u3002\u8fd9\u4e9b\u6570\u636e\u8868\u660e\uff0c\u94f6\u884c\u6210\u529f\u5730\u8fdb\u884c\u4e86\u6218\u7565\u8f6c\u578b\uff0c\u4ee5\u5b9e\u73b0\u6536\u5165\u6765\u6e90\u591a\u5143\u5316\uff0c\u51cf\u5c11\u5bf9\u5229\u7387\u7684\u4f9d\u8d56\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8d44\u4ea7\u8d28\u91cf\uff1a\u575a\u5b9e\u7684\u57fa\u7840<\/h3>\n\n\n\n<p>\u521b\u7eaa\u5f55\u7684\u5229\u6da6\u5468\u671f\u5efa\u7acb\u5728\u8d28\u91cf\u5353\u8d8a\u7684\u8d44\u4ea7\u8d1f\u503a\u8868\u4e4b\u4e0a\u3002\u8be5\u884c\u4e1a\u7684\u4e0d\u826f\u8d37\u6b3e\uff08NPL\uff09\u7387\u4fdd\u6301\u5728\u5386\u53f2\u4f4e\u4f4d\uff0cCaixaBank\u548cUnicaja\u7b49\u94f6\u884c\u7684\u6bd4\u7387\u7ea6\u4e3a2.2%-2.3%\u3002\u8fd9\u79cd\u7a33\u5065\u6027\u5f97\u76ca\u4e8e\u9ad8\u8986\u76d6\u7387\u548c\u53ef\u63a7\u7684\u98ce\u9669\u6210\u672c\u3002\u6b64\u5916\uff0c\u897f\u73ed\u7259\u94f6\u884c\u5df2\u786e\u8ba4\uff0c\u8d37\u6b3e\u53d1\u653e\u6807\u51c6\u5e76\u672a\u653e\u5bbd\uff0c\u8fd9\u8868\u660e\u5ba1\u614e\u7684\u4fe1\u8d37\u7eaa\u5f8b\u6709\u52a9\u4e8e\u51cf\u8f7b\u672a\u6765\u98ce\u9669\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5353\u8d8a\u8fd0\u8425\uff1a\u6548\u7387\u6784\u7b51\u7684\u7ade\u4e89\u62a4\u57ce\u6cb3<\/h3>\n\n\n\n<p>\u897f\u73ed\u7259\u94f6\u884c\u4e1a\u662f\u6b27\u6d32\u6548\u7387\u6700\u9ad8\u7684\u94f6\u884c\u4e4b\u4e00\uff0c\u8fd9\u4e00\u6210\u5c31\u6e90\u4e8e\u5341\u5e74\u7684\u6574\u5408\u548c\u5bf9\u6280\u672f\u7684\u679c\u65ad\u6295\u5165\u30022025\u5e74\u516c\u5e03\u7684\u6210\u672c\u6536\u5165\u6bd4\u8bc1\u660e\u4e86\u8fd9\u4e00\u70b9\uff1a\u6851\u5766\u5fb7\u94f6\u884c\u4e3a41.3%\uff0cCaixaBank\u4e3a39.2%\uff0cBankinter\u4e3a36.2%\u3002<\/p>\n\n\n\n<p>\u8fd9\u79cd\u6548\u7387\u5e76\u975e\u5468\u671f\u6027\u73b0\u8c61\uff0c\u800c\u662f\u4e00\u79cd\u7ed3\u6784\u6027\u7ade\u4e89\u4f18\u52bf\u3002\u5b83\u662f\u4e00\u9053\u771f\u6b63\u7684\u9632\u5fa1\u62a4\u57ce\u6cb3\uff0c\u4f7f\u897f\u73ed\u7259\u94f6\u884c\u80fd\u591f\u6bd4\u6b27\u6d32\u7ade\u4e89\u5bf9\u624b\u66f4\u597d\u5730\u627f\u53d7\u5229\u6da6\u7387\u538b\u7f29\u548c\u5438\u6536\u94f6\u884c\u7a0e\u7b49\u76d1\u7ba1\u6210\u672c\u3002\u968f\u7740\u73af\u5883\u53d8\u5f97\u66f4\u5177\u6311\u6218\u6027\uff0c\u7ef4\u6301\u7cbe\u7b80\u7684\u6210\u672c\u7ed3\u6784\u5c06\u6210\u4e3a\u4fdd\u6301\u76c8\u5229\u80fd\u529b\u7684\u4e3b\u8981\u5dee\u5f02\u5316\u56e0\u7d20\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">IBEX\u6307\u6570\u5de8\u5934\uff1a\u94f6\u884c\u4e1a\u9886\u5bfc\u8005\u5bf9\u6bd4\u5206\u6790<\/h2>\n\n\n\n<p>\u884c\u4e1a\u7684\u6574\u4f53\u8868\u73b0\u4f53\u73b0\u5728\u5176\u4e3b\u8981\u53c2\u4e0e\u8005\u7684\u7a33\u5065\u4e1a\u7ee9\u4e2d\uff0c\u6bcf\u5bb6\u94f6\u884c\u90fd\u6709\u5176\u72ec\u7279\u7684\u6218\u7565\u91cd\u70b9\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6851\u5766\u5fb7\u94f6\u884c (Banco Santander)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e1a\u7ee9\uff1a<\/strong> \u622a\u81f39\u6708\uff0c\u5b9e\u73b0\u521b\u7eaa\u5f55\u7684103.37\u4ebf\u6b27\u5143\u5229\u6da6\uff08\u589e\u957f11%\uff09\uff0c\u6709\u5f62\u80a1\u672c\u56de\u62a5\u7387\uff08RoTE\uff09\u4e3a16.1%\uff0c\u5145\u5206\u5229\u7528\u4e86\u5176\u5168\u7403\u89c4\u6a21\u3002\u5176\u5730\u57df\u591a\u5143\u5316\u8d77\u5230\u4e86\u7f13\u51b2\u4f5c\u7528\uff0c\u800c\u521b\u7eaa\u5f55\u7684\u624b\u7eed\u8d39\u548c\u4f63\u91d1\u6536\u5165\u4ee5\u53ca\u4e25\u683c\u7684\u6210\u672c\u63a7\u5236\u63a8\u52a8\u4e86\u76c8\u5229\u80fd\u529b\u3002<\/li>\n\n\n\n<li><strong>\u6218\u7565\uff1a<\/strong> \u91cd\u70b9\u662f\u6570\u5b57\u5316\u8f6c\u578b\u548c\u79ef\u6781\u7684\u80a1\u4e1c\u56de\u62a5\u653f\u7b56\uff0c\u76ee\u6807\u662f\u57282025\u5e74\u548c2026\u5e74\u4e1a\u7ee9\u7684\u57fa\u7840\u4e0a\uff0c\u4ee5\u80a1\u606f\u548c\u80a1\u7968\u56de\u8d2d\u7684\u5f62\u5f0f\u5206\u914d\u81f3\u5c11100\u4ebf\u6b27\u5143\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u897f\u73ed\u7259\u5bf9\u5916\u94f6\u884c (BBVA)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e1a\u7ee9\uff1a<\/strong> \u622a\u81f39\u6708\uff0c\u5b9e\u73b0\u8fd180\u4ebf\u6b27\u5143\u7684\u521b\u7eaa\u5f55\u5229\u6da6\uff08\u589e\u957f4.7%\uff09\uff0c\u4e3b\u8981\u5f97\u76ca\u4e8e\u51c0\u5229\u606f\u6536\u5165\u548c\u624b\u7eed\u8d39\u7684\u5f3a\u52b2\u589e\u957f\u3002\u58a8\u897f\u54e5\u4ecd\u7136\u662f\u8be5\u96c6\u56e2\u7684\u7687\u51a0\u4e0a\u7684\u660e\u73e0\u548c\u4e3b\u8981\u5229\u6da6\u5f15\u64ce\u3002<\/li>\n\n\n\n<li><strong>\u6218\u7565\uff1a<\/strong> \u8be5\u94f6\u884c\u7ee7\u7eed\u62bc\u6ce8\u5176\u5728\u9ad8\u589e\u957f\u65b0\u5174\u5e02\u573a\u7684\u9886\u5bfc\u5730\u4f4d\u548c\u6570\u5b57\u521b\u65b0\u3002\u4eca\u5e74\u7684\u6807\u5fd7\u6027\u6218\u7565\u4e8b\u4ef6\u662f\u5176\u5bf9\u8428\u74e6\u5fb7\u5c14\u94f6\u884c\uff08Banco Sabadell\uff09\u7684\u654c\u610f\u6536\u8d2d\u8981\u7ea6\u5931\u8d25\uff0c\u8fd9\u91cd\u5851\u4e86\u7ade\u4e89\u683c\u5c40\uff0c\u5e76\u5c06\u7126\u70b9\u8f6c\u5411\u5176\u6709\u673a\u521b\u9020\u4ef7\u503c\u7684\u80fd\u529b\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">CaixaBank<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e1a\u7ee9\uff1a<\/strong> \u4f5c\u4e3a\u56fd\u5185\u5e02\u573a\u7684\u9886\u5bfc\u8005\uff0c\u5b9e\u73b0\u5229\u6da643.97\u4ebf\u6b27\u5143\uff08\u589e\u957f3.5%\uff09\u3002\u5176\u8fd0\u8425\u5b9e\u529b\u5f3a\u5927\uff0c\u80a1\u672c\u56de\u62a5\u7387\uff08ROE\uff09\u4e3a15.2%\uff0c\u6210\u672c\u6536\u5165\u6bd4\u4e3a39.2%\uff0c\u662f\u884c\u4e1a\u6700\u4f73\u4e4b\u4e00\u3002\u901a\u8fc7\u624b\u7eed\u8d39\u7684\u7a33\u5065\u589e\u957f\u548c\u4fe1\u8d37\u53d1\u653e\u7684\u663e\u8457\u52bf\u5934\uff0c\u5f25\u8865\u4e86\u51c0\u5229\u606f\u6536\u5165\u7684\u538b\u529b\u3002<\/li>\n\n\n\n<li><strong>\u6218\u7565\uff1a<\/strong> \u5176\u6218\u7565\u57fa\u4e8e\u5de9\u56fa\u5176\u5728\u897f\u73ed\u7259\u7684\u4e3b\u5bfc\u5730\u4f4d\uff0c\u5229\u7528\u5176\u5728\u5b58\u6b3e\u3001\u57fa\u91d1\u548c\u4fdd\u9669\u9886\u57df\u7684\u9886\u5148\u5e02\u573a\u4efd\u989d\u3002\u94f6\u884c\u4fdd\u9669\u548c\u8d44\u4ea7\u7ba1\u7406\u5bf9\u5176\u672a\u6765\u81f3\u5173\u91cd\u8981\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u8428\u74e6\u5fb7\u5c14\u94f6\u884c (Banco Sabadell)<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e1a\u7ee9\uff1a<\/strong> \u622a\u81f38\u6708\uff0c\u5b9e\u73b0\u5229\u6da612.62\u4ebf\u6b27\u5143\uff08\u589e\u957f11%\uff09\uff0c\u6709\u5f62\u80a1\u672c\u56de\u62a5\u7387\uff08RoTE\uff09\u4e3a15.1%\u3002\u5728BBVA\u6536\u8d2d\u8981\u7ea6\u7684\u80cc\u666f\u4e0b\uff0c\u8be5\u884c\u4e0a\u8c03\u4e862025\u5e74\u7684\u80a1\u4e1c\u56de\u62a5\u76ee\u6807\uff0c\u663e\u793a\u51fa\u5bf9\u5176\u4e1a\u52a1\u8ba1\u5212\u7684\u4fe1\u5fc3\u3002<\/li>\n\n\n\n<li><strong>\u6218\u7565\uff1a<\/strong> \u5728\u62d2\u7eddBBVA\u7684\u62a5\u4ef7\u540e\uff0c\u7ba1\u7406\u5c42\u9762\u4e34\u5de8\u5927\u7684\u5e02\u573a\u538b\u529b\uff0c\u9700\u8981\u72ec\u7acb\u6267\u884c\u5176\u8ba1\u5212\uff0c\u91cd\u70b9\u5173\u6ce8\u5176\u5728\u897f\u73ed\u7259\u7684\u4e2d\u5c0f\u4f01\u4e1a\u4e1a\u52a1\u548c\u5de9\u56fa\u5176\u82f1\u56fd\u5b50\u516c\u53f8TSB\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Bankinter<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e1a\u7ee9\uff1a<\/strong> \u4f5c\u4e3a\u4f53\u7cfb\u5185\u6700\u8d5a\u94b1\u7684\u94f6\u884c\uff0c\u5b9e\u73b0\u5229\u6da68.12\u4ebf\u6b27\u5143\uff08\u589e\u957f11%\uff09\uff0c\u6709\u5f62\u80a1\u672c\u56de\u62a5\u7387\uff08RoTE\uff09\u521b\u4e0b19.4%\u7684\u7eaa\u5f55\u3002\u5176\u4e1a\u7ee9\u5f97\u76ca\u4e8e\u624b\u7eed\u8d39\u7684\u5f3a\u52b2\u589e\u957f\u4ee5\u53ca\u5730\u57df\u548c\u4e1a\u52a1\u591a\u5143\u5316\u7684\u6210\u529f\u3002<\/li>\n\n\n\n<li><strong>\u6218\u7565\uff1a<\/strong> \u9075\u5faa\u5229\u57fa\u5e02\u573a\u6a21\u5f0f\uff0c\u4e13\u6ce8\u4e8e\u9ad8\u51c0\u503c\u5ba2\u6237\u548c\u4f01\u4e1a\u3002\u5176\u5728\u7231\u5c14\u5170\u548c\u8461\u8404\u7259\u7684\u6210\u529f\u56fd\u9645\u6269\u5f20\u4e3a\u5176\u63d0\u4f9b\u4e86\u65b0\u7684\u5f3a\u52b2\u589e\u957f\u52a8\u529b\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Unicaja Banco<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e1a\u7ee9\uff1a<\/strong> \u622a\u81f39\u6708\uff0c\u5b9e\u73b0\u5229\u6da65.03\u4ebf\u6b27\u5143\uff08\u589e\u957f11.5%\uff09\uff0c\u63d0\u524d\u4e09\u4e2a\u6708\u5b8c\u6210\u4e86\u5168\u5e74\u76ee\u6807\u3002\u5176\u8d44\u672c\u72b6\u51b5\u7a33\u56fa\uff0c\u6838\u5fc3\u4e00\u7ea7\u8d44\u672c\u5145\u8db3\u7387\uff08CET1\uff09\u4e3a16.2%\uff0c\u662f\u884c\u4e1a\u6700\u9ad8\u4e4b\u4e00\u3002<\/li>\n\n\n\n<li><strong>\u6218\u7565\uff1a<\/strong> \u7ba1\u7406\u5c42\u4e13\u6ce8\u4e8e\u5b8c\u6210\u4e0eLiberbank\u7684\u5408\u5e76\u540e\u6574\u5408\uff0c\u5e76\u63d0\u9ad8\u5176\u6838\u5fc3\u5730\u533a\u7684\u6548\u7387\u3002\u5176\u7a33\u56fa\u7684\u507f\u4ed8\u80fd\u529b\u662f\u5176\u4e3b\u8981\u6807\u5fd7\u3002<\/li>\n<\/ul>\n\n\n\n<p><strong>\u88681\uff1a\u897f\u73ed\u7259\u4e3b\u8981\u94f6\u884c\u5173\u952e\u8d22\u52a1\u6307\u6807\uff082025\u5e74\u524d9\u4e2a\u6708\uff09<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\u94f6\u884c<\/strong><\/td><td><strong>\u51c0\u5229\u6da6 (\u767e\u4e07\u6b27\u5143)<\/strong><\/td><td><strong>\u540c\u6bd4\u53d8\u5316 (%)<\/strong><\/td><td><strong>\u51c0\u5229\u606f\u6536\u5165 (\u767e\u4e07\u6b27\u5143)<\/strong><\/td><td><strong>\u6709\u5f62\u80a1\u672c\u56de\u62a5\u7387 (RoTE) (%)<\/strong><\/td><td><strong>\u6838\u5fc3\u4e00\u7ea7\u8d44\u672c\u5145\u8db3\u7387 (CET1) (%)<\/strong><\/td><td><strong>\u4e0d\u826f\u8d37\u6b3e\u7387 (NPL) (%)<\/strong><\/td><td><strong>\u6210\u672c\u6536\u5165\u6bd4 (%)<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>\u6851\u5766\u5fb7\u94f6\u884c<\/strong><\/td><td>10,337<\/td><td>+11.0<\/td><td>33,816<\/td><td>16.1<\/td><td>13.1<\/td><td>3.05<\/td><td>41.3<\/td><\/tr><tr><td><strong>BBVA<\/strong><\/td><td>7,978<\/td><td>+4.7<\/td><td>19,920 (\u4f30\u8ba1)<\/td><td>~22.0 (\u6307\u5f15)<\/td><td>13.09 (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>3.4 (\u5168\u7403)<\/td><td>\u4e0d\u9002\u7528<\/td><\/tr><tr><td><strong>CaixaBank<\/strong><\/td><td>4,397<\/td><td>+3.5<\/td><td>7,957<\/td><td>15.2<\/td><td>12.4<\/td><td>2.3<\/td><td>39.2<\/td><\/tr><tr><td><strong>\u8428\u74e6\u5fb7\u5c14\u94f6\u884c<\/strong><\/td><td>1,262 (\u622a\u81f38\u6708)<\/td><td>+11.0<\/td><td>\u4e0d\u9002\u7528<\/td><td>15.1<\/td><td>13.3 (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>2.81<\/td><td>\u4e0d\u9002\u7528<\/td><\/tr><tr><td><strong>Bankinter<\/strong><\/td><td>812<\/td><td>+11.0<\/td><td>1,667<\/td><td>19.4<\/td><td>12.94<\/td><td>2.1 (\u5168\u7403)<\/td><td>36.2<\/td><\/tr><tr><td><strong>Unicaja<\/strong><\/td><td>503<\/td><td>+11.5<\/td><td>1,117<\/td><td>9.7 (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>16.2<\/td><td>2.2<\/td><td>45.6 (\u7b2c\u4e00\u5b63\u5ea6)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>\u5907\u6ce8\uff1a\u9664\u975e\u53e6\u6709\u8bf4\u660e\uff0c\u6570\u636e\u4e3a2025\u5e74\u524d\u4e5d\u4e2a\u6708\u7684\u6570\u636e\u3002\u7531\u4e8e\u6570\u636e\u53ef\u7528\u6027\uff0cBBVA\u548c\u8428\u74e6\u5fb7\u5c14\u94f6\u884c\u7684\u6570\u636e\u53ef\u80fd\u4e0d\u5177\u76f4\u63a5\u53ef\u6bd4\u6027\u3002BBVA\u7684\u6709\u5f62\u80a1\u672c\u56de\u62a5\u7387\uff08RoTE\uff09\u4e3a\u94f6\u884c\u9884\u6d4b\u503c\u3002\u4e0d\u9002\u7528 = \u5728\u6240\u67e5\u9605\u7684\u8d44\u6599\u4e2d\u672a\u63d0\u4f9b\u3002<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6b27\u6d32\u80cc\u666f\uff1a\u76c8\u5229\u80fd\u529b\u4e0e\u507f\u4ed8\u80fd\u529b\u7684\u6096\u8bba<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u76c8\u5229\u80fd\u529b\u6ea2\u4ef7<\/h3>\n\n\n\n<p>\u897f\u73ed\u7259\u94f6\u884c\u4e1a\u7684\u76c8\u5229\u80fd\u529b\u4e0d\u4ec5\u9ad8\uff0c\u800c\u4e14\u5728\u6b27\u6d32\u6bd4\u8f83\u4e2d\u5c24\u4e3a\u7a81\u51fa\u3002\u6b27\u6d32\u94f6\u884c\u7ba1\u7406\u5c40\uff08EBA\uff09\u7684\u6570\u636e\u663e\u793a\uff0c2025\u5e74\u7b2c\u4e8c\u5b63\u5ea6\uff0c\u897f\u73ed\u7259\u94f6\u884c\u7684\u80a1\u672c\u56de\u62a5\u7387\uff08RoE\uff09\u8fbe\u523015.1%\uff0c\u8fdc\u9ad8\u4e8e\u6b27\u6d3210.7%\u7684\u5e73\u5747\u6c34\u5e73\uff0c\u662f\u5fb7\u56fd\uff087.3%\uff09\u548c\u6cd5\u56fd\uff087.0%\uff09\u7b49\u5de8\u5934\u7684\u4e24\u500d\u591a\u3002\u8fd9\u79cd\u6ea2\u4ef7\u662f\u5229\u7387\u654f\u611f\u578b\u5546\u4e1a\u6a21\u5f0f\u3001\u5353\u8d8a\u7684\u8fd0\u8425\u6548\u7387\u548c\u66f4\u6709\u5229\u7684\u5b8f\u89c2\u7ecf\u6d4e\u73af\u5883\u5171\u540c\u4f5c\u7528\u7684\u7ed3\u679c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u507f\u4ed8\u80fd\u529b\u6298\u4ef7<\/h3>\n\n\n\n<p>\u786c\u5e01\u7684\u53e6\u4e00\u9762\u662f\u7ed3\u6784\u6027\u8f83\u4f4e\u7684\u507f\u4ed8\u80fd\u529b\u72b6\u51b5\u3002\u897f\u73ed\u7259\u94f6\u884c\u7684\u6838\u5fc3\u4e00\u7ea7\u8d44\u672c\u5145\u8db3\u7387\uff08CET1\uff09\u4e3a13.04%\uff0c\u4f4e\u4e8e\u6b27\u6d32\u592e\u884c\u76d1\u7ba1\u7684\u4e3b\u8981\u94f6\u884c16.05%\u7684\u603b\u4f53\u6c34\u5e73\u3002\u8fd9\u4e00\u5dee\u8ddd\u6e90\u4e8e\u5386\u53f2\u4e0a\u8f83\u4e3a\u5bbd\u677e\u7684\u76d1\u7ba1\u8981\u6c42\u548c\u4ee5\u96f6\u552e\u53ca\u4e2d\u5c0f\u4f01\u4e1a\u8d37\u6b3e\u4e3a\u4e2d\u5fc3\u7684\u5546\u4e1a\u6a21\u5f0f\uff0c\u540e\u8005\u5e26\u6765\u4e86\u66f4\u9ad8\u98ce\u9669\u52a0\u6743\u8d44\u4ea7\u5bc6\u5ea6\u3002\u8fd9\u9020\u6210\u4e86\u4e00\u4e2a\u6218\u7565\u56f0\u5883\uff1a\u66f4\u9ad8\u7684\u6760\u6746\u80fd\u5e26\u6765\u66f4\u9ad8\u7684\u56de\u62a5\uff0c\u4f46\u4ee3\u4ef7\u662f\u8d44\u672c\u7f13\u51b2\u8f83\u5c0f\uff0c\u4ece\u800c\u5f71\u54cd\u4e86\u5176\u5728\u5e02\u573a\u4e0a\u7684\u4f30\u503c\u3002<\/p>\n\n\n\n<p><strong>\u88682\uff1a\u897f\u73ed\u7259\u94f6\u884c\u4e1a\u4e0e\u6b27\u5143\u533a\u540c\u884c\u7684\u6bd4\u8f83\uff082025\u5e74\u6570\u636e\uff09<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><td><strong>\u6307\u6807<\/strong><\/td><td><strong>\u897f\u73ed\u7259<\/strong><\/td><td><strong>\u6b27\u76df\u5e73\u5747\u6c34\u5e73<\/strong><\/td><td><strong>\u5fb7\u56fd<\/strong><\/td><td><strong>\u6cd5\u56fd<\/strong><\/td><td><strong>\u610f\u5927\u5229<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>\u80a1\u672c\u56de\u62a5\u7387 (RoE)<\/strong><\/td><td>15.1% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><td>10.7% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><td>7.3% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><td>7.0% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><td>16.4% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><\/tr><tr><td><strong>\u6838\u5fc3\u4e00\u7ea7\u8d44\u672c\u5145\u8db3\u7387 (CET1)<\/strong><\/td><td>13.04% (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>16.05% (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>16.43% (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>16.06% (\u7b2c\u4e00\u5b63\u5ea6)<\/td><td>15.95% (\u7b2c\u4e00\u5b63\u5ea6)<\/td><\/tr><tr><td><strong>\u4e0d\u826f\u8d37\u6b3e\u7387 (NPL)<\/strong><\/td><td>2.6% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><td>1.8% (\u7b2c\u4e8c\u5b63\u5ea6)<\/td><td>\u4e0d\u9002\u7528<\/td><td>\u4e0d\u9002\u7528<\/td><td>\u4e0d\u9002\u7528<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>\u6765\u6e90\uff1a\u6b27\u6d32\u94f6\u884c\u7ba1\u7406\u5c40\uff08EBA\uff09\uff0c\u6b27\u6d32\u4e2d\u592e\u94f6\u884c\uff08ECB\uff09\u3002\u6570\u636e\u5bf9\u5e942025\u5e74\u6307\u5b9a\u5b63\u5ea6\u3002<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5e94\u5bf9\u9006\u98ce\uff1a\u672a\u6765\u98ce\u9669\u4e0e\u76d1\u7ba1\u8d1f\u62c5<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u94f6\u884c\u7a0e\u7684\u6c38\u4e45\u9634\u5f71<\/h3>\n\n\n\n<p>\u6700\u5927\u7684\u9006\u98ce\u65e0\u7591\u662f\u7a0e\u6536\u8d1f\u62c5\u3002\u4e34\u65f6\u7a0e\u5df2\u88ab\u4e00\u9879\u65b0\u7684\u3001\u6c38\u4e45\u6027\u7684\u51c0\u5229\u606f\u6536\u5165\u548c\u624b\u7eed\u8d39\u7a0e\u6240\u53d6\u4ee3\u3002\u8fd9\u9879\u63aa\u65bd\u4f7f\u897f\u73ed\u7259\u6210\u4e3a\u6b27\u6d32\u7684\u4e00\u4e2a\u7279\u4f8b\uff0c\u662f\u552f\u4e00\u4e00\u4e2a\u5f81\u6536\u6b64\u7c7b\u7279\u5b9a\u7a0e\u6536\u7684\u4e3b\u8981\u53f8\u6cd5\u7ba1\u8f96\u533a\u3002\u8be5\u884c\u4e1a\u4e00\u81f4\u8868\u793a\u53cd\u5bf9\uff0c\u8ba4\u4e3a\u8fd9\u635f\u5bb3\u4e86\u7ade\u4e89\u529b\uff0c\u5e76\u51cf\u5c11\u4e86\u7ecf\u6d4e\u7684\u878d\u8d44\u80fd\u529b\u3002\u56fd\u9645\u8d27\u5e01\u57fa\u91d1\u7ec4\u7ec7\uff08IMF\uff09\u548c\u6b27\u6d32\u592e\u884c\u7b49\u673a\u6784\u4e5f\u652f\u6301\u8fd9\u4e00\u7acb\u573a\uff0c\u8b66\u544a\u5176\u8d1f\u9762\u5f71\u54cd\u3002\u8fd9\u9879\u7a0e\u6536\u4e0d\u4ec5\u662f\u4e00\u9879\u6210\u672c\uff0c\u66f4\u662f\u4e00\u4e2a\u5f15\u5165\u91cd\u5927\u76d1\u7ba1\u4e0d\u786e\u5b9a\u6027\u5e76\u62d6\u7d2f\u4f30\u503c\u7684\u7ed3\u6784\u6027\u56e0\u7d20\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5229\u6da6\u7387\u538b\u7f29\u7684\u5e7d\u7075<\/h3>\n\n\n\n<p>\u7b2c\u4e8c\u4e2a\u4e3b\u8981\u6311\u6218\u662f\u53ef\u9884\u89c1\u7684\u51c0\u5229\u606f\u6536\u5165\u538b\u7f29\u3002\u968f\u7740\u6b27\u6d32\u592e\u884c\u7684\u8d27\u5e01\u653f\u7b56\u5468\u671f\u89c1\u9876\uff0c\u8fd1\u671f\u5229\u6da6\u7684\u4e3b\u8981\u5f15\u64ce\u5c06\u4e0d\u53ef\u907f\u514d\u5730\u51cf\u5f31\u3002\u6b64\u5916\uff0c\u5bf9\u5b58\u6b3e\u7684\u7ade\u4e89\u53ef\u80fd\u4f1a\u52a0\u5267\uff0c\u8feb\u4f7f\u94f6\u884c\u63d0\u9ad8\u62a5\u916c\uff0c\u8fdb\u4e00\u6b65\u6324\u538b\u5229\u6da6\u7387\u3002\u5728\u8fd9\u79cd\u65b0\u73af\u5883\u4e0b\uff0c\u521b\u9020\u624b\u7eed\u8d39\u548c\u4f63\u91d1\u6536\u5165\u4ee5\u53ca\u7ef4\u6301\u4e25\u683c\u7684\u6210\u672c\u63a7\u5236\u5c06\u53d8\u5f97\u66f4\u52a0\u5173\u952e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8d44\u672c\u7684\u4e09\u91cd\u56f0\u5883<\/h3>\n\n\n\n<p>\u5c3d\u7ba1\u76c8\u5229\u80fd\u529b\u5f3a\u52b2\uff0c\u76d1\u7ba1\u673a\u6784\u5df2\u5f00\u59cb\u91c7\u53d6\u884c\u52a8\u52a0\u5f3a\u7cfb\u7edf\u7684\u97e7\u6027\u3002\u897f\u73ed\u7259\u94f6\u884c\u5df2\u5ba3\u5e03\u542f\u52a8\u9006\u5468\u671f\u8d44\u672c\u7f13\u51b2\uff0c\u94f6\u884c\u5fc5\u987b\u9010\u6b65\u5efa\u7acb\u3002\u8fd9\u4e00\u8981\u6c42\u7ed9\u94f6\u884c\u5e26\u6765\u4e86\u4f18\u5148\u4e8b\u9879\u7684\u51b2\u7a81\uff0c\u5b83\u4eec\u5fc5\u987b\u5e94\u5bf9\u4e00\u4e2a\u8270\u96be\u7684\u4e09\u91cd\u56f0\u5883\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u80a1\u4e1c\uff1a<\/strong> \u7ef4\u6301\u6177\u6168\u7684\u56de\u62a5\u653f\u7b56\uff08\u80a1\u606f\u548c\u56de\u8d2d\uff09\u3002<\/li>\n\n\n\n<li><strong>\u76d1\u7ba1\u673a\u6784\uff1a<\/strong> \u6ee1\u8db3\u65e5\u76ca\u589e\u957f\u7684\u8d44\u672c\u8981\u6c42\u3002<\/li>\n\n\n\n<li><strong>\u653f\u5e9c\uff1a<\/strong> \u652f\u4ed8\u65b0\u7684\u6c38\u4e45\u6027\u7a0e\u6536\uff0c\u8be5\u7a0e\u6536\u5360\u7528\u4e86\u5229\u6da6\u7684\u5f88\u5927\u4e00\u90e8\u5206\u3002<\/li>\n<\/ol>\n\n\n\n<p>\u53ea\u8981\u76c8\u5229\u80fd\u529b\u4fdd\u6301\u5728\u521b\u7eaa\u5f55\u6c34\u5e73\uff0c\u8fd9\u79cd\u5e73\u8861\u5c31\u662f\u53ef\u63a7\u7684\u3002\u7136\u800c\uff0c\u5728\u672a\u6765\u5229\u6da6\u4e0b\u964d\u7684\u73af\u5883\u4e2d\uff0c\u94f6\u884c\u5c06\u9762\u4e34\u8270\u96be\u7684\u51b3\u7b56\uff0c\u53ef\u80fd\u9700\u8981\u51cf\u5c11\u80a1\u4e1c\u56de\u62a5\u4ee5\u6ee1\u8db3\u8d44\u672c\u76ee\u6807\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6218\u7565\u5c55\u671b<\/h2>\n\n\n\n<p>2025\u5e74\u5c06\u88ab\u94ed\u8bb0\u4e3a\u897f\u73ed\u7259\u94f6\u884c\u4e1a\u76c8\u5229\u80fd\u529b\u7684\u9876\u5cf0\u3002\u7136\u800c\uff0c\u8be5\u884c\u4e1a\u6b63\u5904\u4e8e\u4e00\u4e2a\u8f6c\u6298\u70b9\u3002\u5468\u671f\u6027\u7684\u987a\u98ce\u6b63\u5728\u6d88\u9000\uff0c\u800c\u7ed3\u6784\u6027\u7684\u9006\u98ce\uff0c\u7279\u522b\u662f\u6c38\u4e45\u6027\u7a0e\u6536\uff0c\u6b63\u5728\u52a0\u5267\u3002\u8f7b\u677e\u76c8\u5229\u589e\u957f\u7684\u65f6\u4ee3\u5df2\u7ecf\u7ed3\u675f\u3002<\/p>\n\n\n\n<p>\u5bf9\u4e8e2026\u5e74\u53ca\u4ee5\u540e\uff0c\u4e09\u4e2a\u6218\u7565\u8981\u52a1\u4e0d\u53ef\u907f\u514d\uff1a<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u6536\u5165\u591a\u5143\u5316\uff1a<\/strong> 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