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速回升至2%。净息差全年收窄9bp至1.78%,资产收益率下降受市场利率下行等因素影响。非息收入下降,净其他非息收入降幅较大。不良率持平于1.05%,拨备覆盖率稳定在220%附近。全年计提信用及其他减值损失406亿,同比减少17.9%。分业务来说:1)零售金融业务:利润贡献回升至6.3%,结构转型持续,未来盈利贡献占比有望逐步修复。2)资产增速:较3Q末提升2.5pct,主要受非信贷类资产提振。3

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