美国银行财务数据

财务数据

金额单位：亿美元；每股数据：美元；股数：亿股。* 为推导值（如第四季度 = 全年 − 前三季度；半年报公司的下半年 = 全年 − 上半年），悬停任一数字可查看来源（XBRL 标签 / PDF 页码 / 计算公式）。

会计口径变化：

其他会计口径变更（FY2025Q1 起）：税收抵免类股权投资（保障性住房、风电、光伏）的核算方法变更并追溯调整：保障性住房与风电投资由权益法改为比例摊销法（投资摊销与税收抵免一并计入所得税费用），光伏投资税收抵免改为递延法。非利息收入与所得税同时增加（FY2024 营收由 1,018.9 亿美元重述为 1,058.6 亿美元、所得税由 21.2 亿美元重述为 62.5 亿美元），净利润几乎不变；2024 年各季度没有重述版，2025 年 Q1、Q2 已在 2026 年 10-Q 中重述，Q3 待 2026 年三季度 10-Q；公司披露的影响：公司披露：追溯调整使 2023 年 1 月 1 日留存收益减少 12 亿美元，对净利润影响不重大（受影响：营业收入、非利息收入、所得税、税前利润、效率比率（非息支出/营收）、净利率、拨备前利润、净利息收入占比）；同比不可比：FY2025、FY2025Q1、FY2025Q2、FY2025Q3、FY2025Q4

年度营收（亿美元）

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	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
营业收入	837.0	871.3	910.2	912.4	855.3	891.1	949.5	1,028	1,059	1,131

年度利润（亿美元）

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	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
净利润	178.2	182.3	281.5	274.3	178.9	319.8	275.3	263.1	269.7	305.1

年度效率比率与 ROTCE

效率比率ROTCE净利率

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	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
效率比率	65.8%	62.6%	58.4%	60.2%	64.6%	67.0%	64.7%	64.1%	63.1%	61.7%
ROTCE			15.3%	15.0%	9.4%	17.4%	15.0%	13.5%	13.0%	14.3%
净利率	21.3%	20.9%	30.9%	30.1%	20.9%	35.9%	29.0%	25.6%	25.5%	27.0%

贷款与存款（期末，亿美元）

贷款存款

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	FY16	FY17	FY18	FY19	FY20	FY21	FY22	FY23	FY24	FY25
贷款	9,067	9,367	9,469	9,834	9,279	9,791	10,457	10,537	10,958	11,857
存款	12,609	13,095	13,815	14,348	17,955	20,644	19,303	19,238	19,655	20,187

科目	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
利润表
利息收入IS_INTEREST_INCOME	510.6	575.8	667.7	712.4	515.8	476.7	725.6	1,302.6	1,466.1	1,385.7
利息支出IS_INTEREST_EXPENSE	99.6	123.4	186.1	223.4	82.2	47.4	201.0	733.3	905.5	784.7
存款利息支出IS_INTEREST_EXPENSE_DEPOSITS	10.2	19.3	45.0	71.9	19.4	5.4	47.2	261.6	384.4	345.1
净利息收入IS_NII	411.0	452.4	481.6	488.9	433.6	429.3	524.6	569.3	560.6	601.0
非利息收入IS_NONINTEREST_INCOME	426.0	418.9	428.6	423.5	421.7	461.8	424.9	458.4	498.0	530.0
营业收入IS_REVENUE	837.0	871.3	910.2	912.4	855.3	891.1	949.5	1,027.7	1,058.6	1,131.0
信用损失拨备IS_PROVISION	36.0	34.0	32.8	35.9	113.2	-45.9	25.4	43.9	58.2	56.8
营业费用IS_OPEX	550.8	545.2	531.5	549.0	552.1	597.3	614.4	658.4	668.1	697.3
税前利润IS_PRETAX_PROFIT	250.2	292.1	345.8	327.5	190.0	339.8	309.7	325.3	332.2	377.0
所得税IS_TAX	72.0	109.8	64.4	53.2	11.0	20.0	34.4	62.2	62.5	71.9
净利润IS_NET_PROFIT	178.2	182.3	281.5	274.3	178.9	319.8	275.3	263.0	269.7	305.1
归属普通股股东净利润IS_NET_PROFIT_COMMON	161.4	166.2	267.0	260.0	164.7	305.6	260.2	246.6	253.4	290.6
净核销IS_NET_CHARGEOFFS	38.2	39.8	37.6	36.5	41.2	22.4	21.7	38.0	60.3	56.3
基本每股收益IS_EPS_BASIC	1.57	1.63	2.64	2.77	1.88	3.60	3.21	3.07	3.23	3.86
摊薄每股收益IS_EPS_DILUTED	1.49	1.56	2.61	2.75	1.87	3.57	3.19	3.05	3.19	3.81
基本加权股数IS_SHARES_BASIC	102.84	101.96	100.96	93.90	87.53	84.93	81.14	80.29	78.56	75.22
摊薄加权股数IS_SHARES_DILUTED	110.47	107.78	102.37	94.43	87.97	85.58	81.68	80.80	79.36	76.81
每股宣派股息IS_DPS_DECLARED	0.25	0.39	0.54	0.66	0.72	0.78	0.86	0.92	1.00	1.08
资产负债表
总资产BS_TOTAL_ASSETS	21,880.7	22,812.3	23,545.1	24,340.8	28,196.3	31,695.0	30,513.8	31,801.5	32,613.0	34,117.4
现金及等价物BS_CASH	1,477.4	1,574.3	1,774.0	1,615.6
贷款及租赁BS_LOANS	9,066.8	9,367.5	9,469.0	9,834.3	9,278.6	9,791.2	10,457.5	10,537.3	10,958.4	11,857.0
贷款损失拨备余额BS_ALLOWANCE	120.0	103.9	96.0	123.6	188.0	123.9	126.8	133.4	132.4	132.0
非应计贷款（不良）BS_NONACCRUAL_LOANS	77.1	64.7	49.4	35.5	49.5	45.7	38.1	54.8	59.8	58.0
持有至到期证券BS_HTM_SECURITIES	1,170.7	1,250.1	2,036.5	2,157.3	4,382.8	6,745.5	6,328.2	5,945.6	5,586.8	5,226.6
持有至到期证券公允价值BS_HTM_FAIR_VALUE	1,152.8	1,233.0	2,004.4	2,198.2	4,481.8	6,658.9	5,242.7	4,966.0	4,505.5	4,424.3
可供出售债券BS_AFS_SECURITIES		3,026.3	2,293.7	2,456.4	2,344.9	2,991.8	2,207.9	2,666.5	3,464.3	3,868.0
商誉BS_GOODWILL	689.7	689.5	689.5	689.5	689.5	690.2	690.2	690.2	690.2	690.2
其他无形资产BS_INTANGIBLES					22.0	22.0	21.0	20.0	20.0	18.0
总负债BS_TOTAL_LIABILITIES	19,218.7	20,140.9	20,891.8	21,692.7	25,467.0	28,994.3	27,781.8	28,885.0	29,673.4	31,085.0
存款BS_DEPOSITS	12,609.3	13,095.4	13,814.8	14,348.0	17,954.8	20,644.5	19,303.4	19,238.3	19,654.7	20,187.3
无息存款BS_NONINTEREST_DEPOSITS	4,501.6	4,446.7	4,266.5	4,170.2	6,683.7	8,116.5	6,612.2	5,470.5	5,238.6	5,320.5
付息存款BS_INTEREST_BEARING_DEPOSITS	8,107.7	8,648.7	9,548.3	10,177.8	11,271.1	12,528.0	12,691.2	13,767.8	14,416.1	14,866.8
长期借款BS_LT_DEBT	2,168.2	2,274.0	2,293.9	2,408.6	2,629.3	2,801.2	2,759.8	3,022.0	2,832.8	3,178.2
股东权益BS_TOTAL_EQUITY	2,662.0	2,671.5	2,653.2	2,648.1	2,729.2	2,700.7	2,732.0	2,902.1	2,939.6	3,032.4
优先股BS_PREFERRED_EQUITY			223.3	234.0	245.1	247.1	284.0	284.0	231.6	259.9
有形普通股权益BS_TANGIBLE_COMMON_EQUITY			1,740.5	1,724.6	1,772.6	1,741.4	1,736.8	1,907.9	1,997.8	2,064.3
期末普通股股数BS_SHARES_OUTSTANDING	100.53	102.87	96.69	88.36	86.51	80.78	79.97	78.95	76.11	72.12
每股净资产（普通股）BS_BVPS			25.13	27.32	28.72	30.37	30.61	33.16	35.58	38.44
每股有形净资产BS_TBVPS			18.00	19.52	20.49	21.56	21.72	24.16	26.25	28.62
普通股一级资本（CET1）BS_CET1_CAPITAL					1,766.6	1,717.6	1,800.6	1,949.3	2,010.8	2,014.1
风险加权资产BS_RWA					14,800.0	16,180.0	16,050.0	16,510.0	16,960.0	17,730.0
现金流量表
经营活动现金流CF_OPERATING	172.8	98.6	395.2	617.8	379.9	-71.9	-63.3	449.8	-88.0	126.1
折旧摊销CF_DEPRECIATION		21.0	20.6	17.3	18.4	19.0	19.8	20.6	21.9	23.1
股权激励费用CF_SBC	13.7	16.5	17.3	19.7	20.3	27.7	28.6	29.4	34.3	40.0
投资活动现金流CF_INVESTING	-622.8	-515.4	-714.7	-806.3	-1,776.6	-3,132.9	-25.3	-353.9	-906.9	-1,451.6
筹资活动现金流CF_FINANCING	331.5	492.7	531.2	33.8	3,558.2	2,916.5	-1,060.4	933.4	603.7	699.5
派息CF_DIVIDEND	41.9	57.0	69.0	59.3	77.3	80.6	85.8	90.9	95.0	95.6
普通股股息CF_DIVIDEND_COMMON	25.7	40.3	54.2	61.5	62.9	65.8	69.6	73.7	78.2	80.8
回购CF_BUYBACK	51.1	128.1	200.9	281.4	70.2	251.3	50.7	45.8	131.0	214.3
财务指标
ROTCE（年化）ROTCE			15.3%	15.0%	9.4%	17.4%	15.0%	13.5%	13.0%	14.3%
ROA（年化）ROA	0.82%	0.82%	1.21%	1.15%	0.68%	1.07%	0.88%	0.84%	0.84%	0.91%
效率比率（非息支出/营收）EFFICIENCY_RATIO	65.8%	62.6%	58.4%	60.2%	64.6%	67.0%	64.7%	64.1%	63.1%	61.7%
净利息收入占比NII_SHARE	49.1%	51.9%	52.9%	53.6%	50.7%	48.2%	55.3%	55.4%	53.0%	53.1%
净利息收入/平均总资产（年化）NII_TO_AVG_ASSETS	1.90%	2.02%	2.08%	2.04%	1.65%	1.43%	1.69%	1.83%	1.74%	1.80%
拨备前利润PPNR	286.2	326.1	378.7	363.4	303.2	293.8	335.1	369.2	390.4	433.7
拨备/拨备前利润PROVISION_TO_PPNR	12.6%	10.4%	8.7%	9.9%	37.3%	-15.6%	7.6%	11.9%	14.9%	13.1%
信用成本（年化）CREDIT_COST	0.40%	0.37%	0.35%	0.37%	1.18%	-0.48%	0.25%	0.42%	0.54%	0.50%
净核销率（年化）NCO_RATIO	0.42%	0.43%	0.40%	0.38%	0.43%	0.24%	0.21%	0.36%	0.56%	0.49%
不良率（非应计贷款/贷款）NONACCRUAL_RATIO	0.85%	0.69%	0.52%	0.36%	0.53%	0.47%	0.36%	0.52%	0.55%	0.49%
拨备率（拨备/贷款）ALLOWANCE_TO_LOANS	1.32%	1.11%	1.01%	1.26%	2.03%	1.27%	1.21%	1.27%	1.21%	1.11%
拨备覆盖率ALLOWANCE_TO_NONACCRUAL	155.7%	160.6%	194.2%	347.9%	379.7%	271.2%	333.0%	243.2%	221.6%	227.5%
存贷比LOAN_TO_DEPOSIT	71.9%	71.5%	68.5%	68.5%	51.7%	47.4%	54.2%	54.8%	55.8%	58.7%
无息存款占比NONINTEREST_DEPOSIT_SHARE	35.7%	34.0%	30.9%	29.1%	37.2%	39.3%	34.3%	28.4%	26.7%	26.4%
付息存款成本（年化）DEPOSIT_COST	0.13%	0.23%	0.49%	0.73%	0.18%	0.05%	0.37%	1.98%	2.73%	2.36%
贷款同比LOANS_YOY	1.1%	3.3%	1.1%	3.9%	-5.7%	5.5%	6.8%	0.8%	4.0%	8.2%
存款同比DEPOSITS_YOY	5.3%	3.9%	5.5%	3.9%	25.1%	15.0%	-6.5%	-0.3%	2.2%	2.7%
CET1 资本充足率CET1_RATIO					11.9%	10.6%	11.2%	11.8%	11.9%	11.4%
持有至到期浮亏/有形普通股权益HTM_LOSS_TO_TCE			1.8%	-2.4%	-5.6%	5.0%	62.5%	51.3%	54.1%	38.9%
总派息率（股息+回购）TOTAL_PAYOUT_RATIO	47.6%	101.3%	95.6%	131.9%	80.8%	103.7%	46.3%	48.5%	82.6%	101.6%
净利率NET_MARGIN	21.3%	20.9%	30.9%	30.1%	20.9%	35.9%	29.0%	25.6%	25.5%	27.0%
ROEROE	6.8%	6.8%	10.6%	10.3%	6.7%	11.8%	10.1%	9.3%	9.2%	10.2%
资产负债率DEBT_RATIO	87.8%	88.3%	88.7%	89.1%	90.3%	91.5%	91.0%	90.8%	91.0%	91.1%
股权激励/营收SBC_TO_REVENUE	1.6%	1.9%	1.9%	2.2%	2.4%	3.1%	3.0%	2.9%	3.2%	3.5%
总资产周转率ASSET_TURNOVER	0.04	0.04	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03
权益乘数EQUITY_MULTIPLIER	8.30	8.38	8.71	9.03	9.77	11.03	11.45	11.06	11.03	11.17
股东回报（派息+回购）SHAREHOLDER_RETURN	93.1	185.1	269.9	340.8	147.5	331.8	136.5	136.6	226.1	310.0
派息率PAYOUT_RATIO	23.5%	31.3%	24.5%	21.6%	43.2%	25.2%	31.2%	34.5%	35.2%	31.3%
稀释率DILUTION_RATE	7.4%	5.7%	1.4%	0.6%	0.5%	0.8%	0.7%	0.6%	1.0%	2.1%
摊薄股数同比SHARES_DILUTED_CHANGE	-1.7%	-2.4%	-5.0%	-7.8%	-6.8%	-2.7%	-4.6%	-1.1%	-1.8%	-3.2%
摊薄 EPS 同比EPS_DILUTED_GROWTH	13.7%	4.7%	67.3%	5.4%	-32.0%	90.9%	-10.6%	-4.4%	4.6%	19.4%
净利息收入同比NII_YOY	5.5%	10.1%	6.5%	1.5%	-11.3%	-1.0%	22.2%	8.5%	-1.5%	7.2%

勾稽校验（所示期间）：30 项，全部通过

季度营收（亿美元）

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	23Q4	24Q1	24Q2	24Q3	24Q4	25Q1	25Q2	25Q3	25Q4	26Q1	26Q2	26Q3
营业收入	219.6	258.2	253.8	253.4	253.5	282.5	274.4	290.4	283.7	302.7	315.6	299.6

季度利润（亿美元）

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	23Q4	24Q1	24Q2	24Q3	24Q4	25Q1	25Q2	25Q3	25Q4	26Q1	26Q2	26Q3
净利润	31.4	66.7	69.0	69.0	66.7	73.6	71.7	83.3		85.8	90.7	69.3

季度效率比率与 ROTCE

效率比率ROTCE净利率

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	23Q4	24Q1	24Q2	24Q3	24Q4	25Q1	25Q2	25Q3	25Q4	26Q1	26Q2	26Q3
效率比率	80.7%	66.8%	64.3%	65.0%	66.2%	62.9%	62.6%	59.7%	61.5%	61.2%	59.0%	65.8%
ROTCE	6.0%	12.8%	13.5%	12.8%	12.8%	13.8%	13.6%	15.5%		15.9%	17.1%	12.9%
净利率	14.3%	25.9%	27.2%	27.2%	26.3%	26.1%	26.1%	28.7%		28.4%	28.8%	23.1%

贷款与存款（期末，亿美元）

贷款存款

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	23Q4	24Q1	24Q2	24Q3	24Q4	25Q1	25Q2	25Q3	25Q4	26Q1	26Q2	26Q3
贷款	10,537	10,492	10,568	10,758	10,958	11,106	11,471	11,659	11,857	12,050	12,176	12,513
存款	19,238	19,465	19,105	19,304	19,655	19,896	20,116	20,022	20,187	20,377	20,251	20,388

科目	23Q4	24Q1	24Q2	24Q3	24Q4	25Q1	25Q2	25Q3	25Q4	26Q1	26Q2	26Q3
利润表
利息收入IS_INTEREST_INCOME	356.3	362.8	368.5	374.9	359.8	340.7	348.7	353.7	342.6	333.6	338.3	342.6
利息支出IS_INTEREST_EXPENSE	216.8	222.5	231.5	235.2	216.2	196.2	202.0	201.3	185.1	176.1	178.4	178.1
存款利息支出IS_INTEREST_EXPENSE_DEPOSITS	87.2	91.4	96.6	101.2	95.2	86.3	86.8	89.3	82.7	73.0	73.7	76.0
净利息收入IS_NII	139.5	140.3	137.0	139.7	143.6	144.4	146.7	152.3	157.5	157.4	160.0	164.5
非利息收入IS_NONINTEREST_INCOME	80.1	117.9	116.8	113.8	109.9	138.0	127.7	138.1	126.2	145.3	155.6	135.1
营业收入IS_REVENUE	219.6	258.2	253.8	253.4	253.5	282.5	274.4	290.4	283.7	302.7	315.6	299.6
信用损失拨备IS_PROVISION	11.0	13.2	15.1	15.4	14.5	14.8	15.9	13.0	13.1	13.4	13.7	12.7
营业费用IS_OPEX	177.3	172.4	163.1	164.8	167.9	177.7	171.8	173.4	174.4	185.3	186.3	197.2
税前利润IS_PRETAX_PROFIT	31.2	72.6	75.6	73.2	71.1	90.0	86.7	104.1	96.2	104.0	115.6	89.7
所得税IS_TAX	-0.2	5.9	6.6	4.3	4.4	16.4	15.0	20.8	19.8	18.2	24.9	20.3
净利润IS_NET_PROFIT	31.4	66.7	69.0	69.0	66.6	73.6	71.7	83.3		85.8	90.7	69.3
归属普通股股东净利润IS_NET_PROFIT_COMMON	28.4	61.4	65.8	63.8	64.0	69.5	68.8	79.0		81.6	87.5	65.4
净核销IS_NET_CHARGEOFFS	11.9	15.0	15.3	15.3	14.7	14.5	15.2	13.7	12.9	14.1	14.1	13.5
基本每股收益IS_EPS_BASIC		0.77	0.83	0.82		0.91	0.91	1.06		1.12	1.22	0.93
摊薄每股收益IS_EPS_DILUTED		0.76	0.83	0.81		0.89	0.90	1.04		1.11	1.21	0.91
基本加权股数IS_SHARES_BASIC		79.68	78.98	78.18		76.78	75.81	74.66		72.56	71.51	70.52
摊薄加权股数IS_SHARES_DILUTED		80.31	79.61	79.02		77.71	76.52	76.27		74.18	72.94	72.22
每股宣派股息IS_DPS_DECLARED		0.24	0.24	0.26	0.26	0.26	0.26	0.28	0.28	0.28	0.28	0.32
资产负债表
总资产BS_TOTAL_ASSETS	31,801.5	32,738.0	32,580.0	33,242.9	32,613.0	33,490.4	34,408.0	34,031.5	34,117.4	34,961.9	34,991.9	34,277.0
贷款及租赁BS_LOANS	10,537.3	10,491.6	10,567.8	10,758.0	10,958.4	11,106.2	11,470.6	11,659.0	11,857.0	12,050.4	12,176.2	12,512.6
贷款损失拨备余额BS_ALLOWANCE	133.4	132.1	132.4	132.5	132.4	132.6	132.9	132.5	132.0	131.5	131.1	130.0
非应计贷款（不良）BS_NONACCRUAL_LOANS	54.8	58.8	54.7	56.3	59.8	60.8	59.8	53.5	58.0	58.3	57.5	55.4
持有至到期证券BS_HTM_SECURITIES	5,945.6	5,868.6	5,773.7	5,675.5	5,586.8	5,507.2	5,412.9	5,314.1	5,226.6	5,147.4	5,058.0	4,964.0
持有至到期证券公允价值BS_HTM_FAIR_VALUE	4,966.0	4,777.5	4,666.4	4,818.9	4,505.5	4,544.1	4,481.8	4,465.4	4,424.3	4,336.1	4,237.3	3,925.1
可供出售债券BS_AFS_SECURITIES	2,666.5	3,130.7	2,913.0	3,157.2	3,464.3	3,762.5	3,780.3	3,902.9	3,868.0	3,689.6	3,485.4	3,288.1
商誉BS_GOODWILL	690.2	690.2	690.2	690.2	690.2	690.2	690.2	690.2	690.2	690.2	690.2	690.2
其他无形资产BS_INTANGIBLES	20.0	20.0	20.0	19.0	20.0	19.0	19.0	19.0	18.0	18.0	18.0	18.0
总负债BS_TOTAL_LIABILITIES	28,885.0	29,802.5	29,641.0	30,277.8	29,673.4	30,538.4	31,415.4	30,995.6	31,085.0	31,955.2	31,981.0	31,309.6
存款BS_DEPOSITS	19,238.3	19,465.0	19,104.9	19,303.5	19,654.7	19,895.6	20,116.1	20,022.1	20,187.3	20,376.6	20,251.2	20,387.6
无息存款BS_NONINTEREST_DEPOSITS	5,470.5	5,414.8	5,176.1	5,137.2	5,238.6	5,300.1	5,289.7	5,249.0	5,320.5	5,441.2	5,443.4	5,486.7
付息存款BS_INTEREST_BEARING_DEPOSITS	13,767.8	14,050.1	13,928.8	14,166.3	14,416.1	14,595.5	14,826.4	14,773.1	14,866.8	14,935.4	14,807.8	14,900.8
长期借款BS_LT_DEBT	3,022.0	2,963.5	2,904.7	2,969.3	2,832.8	3,041.5	3,134.2	3,114.8	3,178.2	3,259.6	3,398.6	3,186.9
股东权益BS_TOTAL_EQUITY	2,902.1	2,935.5	2,938.9	2,965.1	2,939.6	2,939.5	2,980.2	3,024.4	3,032.4	3,006.7	3,010.9	2,967.5
优先股BS_PREFERRED_EQUITY	284.0	284.0	265.5	245.5	231.6	205.0	235.0	259.9	259.9	250.0	250.0	250.0
有形普通股权益BS_TANGIBLE_COMMON_EQUITY	1,907.9	1,941.3	1,963.2	2,010.4	1,997.8	2,025.3	2,036.0	2,055.2	2,064.3	2,048.5	2,052.8	2,009.3
期末普通股股数BS_SHARES_OUTSTANDING	78.95	78.67	77.75	76.89	76.11	75.60	74.37	73.29	72.12	71.30	70.18	69.23
每股净资产（普通股）BS_BVPS	33.16	33.71	34.39	35.37	35.58	36.17	36.92	37.72	38.44	38.66	39.34	39.26
每股有形净资产BS_TBVPS	24.16	24.68	25.25	26.15	26.25	26.79	27.38	28.04	28.62	28.73	29.25	29.03
普通股一级资本（CET1）BS_CET1_CAPITAL	1,949.3				2,010.8				2,014.1
风险加权资产BS_RWA	16,510.0				16,960.0				17,730.0
现金流量表
经营活动现金流CF_OPERATING	327.2	-155.4	181.0	-372.8	259.1	-21.8	-91.3	468.7	-229.4	417.7	290.4	-65.0
折旧摊销CF_DEPRECIATION	5.3	5.4	5.4	5.5	5.6	5.6	5.7	5.8	5.9	6.0	6.1	6.3
股权激励费用CF_SBC	7.3	8.6	8.4	8.3	8.9	10.0	10.2	10.2	9.7	10.3	11.2	10.4
投资活动现金流CF_INVESTING	-641.8	-713.2	-15.2	-272.6	94.1	-890.1	-569.2	19.4	-11.7	-664.5	-167.6	476.5
筹资活动现金流CF_FINANCING	112.9	686.6	-83.0	367.8	-367.7	728.3	550.6	-679.9	100.5	359.2	-247.3	-215.0
派息CF_DIVIDEND	22.3	25.2	22.2	24.9	22.8	25.5	22.0	24.5	23.6	26.3	23.3	26.2
普通股股息CF_DIVIDEND_COMMON	19.2	19.1	18.9	20.2	20.0	19.9	19.6	20.8	20.5	20.2	19.9	22.5
回购CF_BUYBACK	8.1	25.0	35.4	35.3	35.4	45.2	53.0	53.0	63.1	72.4	60.1	60.0
财务指标
ROTCE（年化）ROTCE	6.0%	12.8%	13.5%	12.8%	12.8%	13.8%	13.6%	15.5%		15.9%	17.1%	12.9%
ROA（年化）ROA	0.40%	0.83%	0.84%	0.84%	0.81%	0.89%	0.84%	0.97%		0.99%	1.04%	0.80%
效率比率（非息支出/营收）EFFICIENCY_RATIO	80.7%	66.8%	64.3%	65.0%	66.2%	62.9%	62.6%	59.7%	61.5%	61.2%	59.0%	65.8%
净利息收入占比NII_SHARE	63.5%	54.3%	54.0%	55.1%	56.6%	51.1%	53.5%	52.5%	55.5%	52.0%	50.7%	54.9%
净利息收入/平均总资产（年化）NII_TO_AVG_ASSETS	1.76%	1.74%	1.68%	1.70%	1.74%	1.75%	1.73%	1.78%	1.85%	1.82%	1.83%	1.90%
拨备前利润PPNR	42.3	85.8	90.7	88.7	85.6	104.8	102.6	117.0	109.3	117.4	129.3	102.4
拨备/拨备前利润PROVISION_TO_PPNR	26.1%	15.4%	16.6%	17.4%	17.0%	14.1%	15.5%	11.1%	12.0%	11.4%	10.6%	12.4%
信用成本（年化）CREDIT_COST	0.42%	0.50%	0.57%	0.58%	0.53%	0.54%	0.56%	0.45%	0.44%	0.45%	0.45%	0.41%
净核销率（年化）NCO_RATIO	0.45%	0.57%	0.58%	0.58%	0.54%	0.53%	0.54%	0.47%	0.44%	0.47%	0.47%	0.44%
不良率（非应计贷款/贷款）NONACCRUAL_RATIO	0.52%	0.56%	0.52%	0.52%	0.55%	0.55%	0.52%	0.46%	0.49%	0.48%	0.47%	0.44%
拨备率（拨备/贷款）ALLOWANCE_TO_LOANS	1.27%	1.26%	1.25%	1.23%	1.21%	1.19%	1.16%	1.14%	1.11%	1.09%	1.08%	1.04%
拨备覆盖率ALLOWANCE_TO_NONACCRUAL	243.2%	224.6%	241.9%	235.4%	221.6%	217.9%	222.2%	247.8%	227.5%	225.5%	228.0%	234.6%
存贷比LOAN_TO_DEPOSIT	54.8%	53.9%	55.3%	55.7%	55.8%	55.8%	57.0%	58.2%	58.7%	59.1%	60.1%	61.4%
无息存款占比NONINTEREST_DEPOSIT_SHARE	28.4%	27.8%	27.1%	26.6%	26.7%	26.6%	26.3%	26.2%	26.4%	26.7%	26.9%	26.9%
付息存款成本（年化）DEPOSIT_COST	2.59%	2.63%	2.76%	2.88%	2.67%	2.38%	2.36%	2.41%	2.23%	1.96%	1.98%	2.05%
贷款同比LOANS_YOY	0.8%	0.3%	0.5%	2.5%	4.0%	5.9%	8.5%	8.4%	8.2%	8.5%	6.2%	7.3%
存款同比DEPOSITS_YOY	-0.3%	1.9%	1.8%	2.4%	2.2%	2.2%	5.3%	3.7%	2.7%	2.4%	0.7%	1.8%
CET1 资本充足率CET1_RATIO	11.8%				11.9%				11.4%
持有至到期浮亏/有形普通股权益HTM_LOSS_TO_TCE	51.3%	56.2%	56.4%	42.6%	54.1%	47.6%	45.7%	41.3%	38.9%	39.6%	40.0%	51.7%
总派息率（股息+回购）TOTAL_PAYOUT_RATIO	96.1%	71.8%	82.4%	87.1%	86.6%	93.7%	105.6%	93.4%		113.6%	91.4%	126.1%
净利率NET_MARGIN	14.3%	25.9%	27.2%	27.2%	26.3%	26.1%	26.1%	28.7%		28.4%	28.8%	23.1%
ROEROE	1.1%	2.3%	2.3%	2.3%	2.3%	2.5%	2.4%	2.8%		2.9%	3.0%	2.3%
资产负债率DEBT_RATIO	90.8%	91.0%	91.0%	91.1%	91.0%	91.2%	91.3%	91.1%	91.1%	91.4%	91.4%	91.3%
股权激励/营收SBC_TO_REVENUE	3.3%	3.4%	3.3%	3.3%	3.5%	3.5%	3.7%	3.5%	3.4%	3.4%	3.5%	3.5%
股东回报（派息+回购）SHAREHOLDER_RETURN	30.4	50.2	57.5	60.3	58.1	70.7	75.0	77.5	86.7	98.7	83.4	86.2
派息率PAYOUT_RATIO	71.0%	37.7%	32.1%	36.2%	34.1%	34.7%	30.7%	29.4%		30.6%	25.7%	37.7%
稀释率DILUTION_RATE		0.8%	0.8%	1.1%		1.2%	0.9%	2.2%		2.2%	2.0%	2.4%
净利息收入同比NII_YOY	-5.0%	-2.9%	-3.2%	-2.9%	3.0%	2.9%	7.1%	9.1%	9.7%	9.0%	9.0%	8.0%

勾稽校验（所示期间）：33 项，全部通过

美国银行BAC

财务数据