????:1????????:????

2???95???

3????????????

4????

5???????

???????????9??3?????????(? ???????)??,??,?????????

????,??????????????,????;????,??,??????,????????????????

??????,???????????????,???????????????????????????????2024???????,???????????,?????????????????????

“???????????????,???????‘??’????,??????????”??????9???2?????????????

???2024????????????????

??????????????????????????????????

????????,?????????????????,???????????????????????,????????????????????????????????,?????????

??“????”????,????????????,???????????????,??????????,?????????,?????????

????????????????,??6??,????40.29?????????????????,???? 5.14%,??1650????????,????????1.35%,???19.25%,???

????,?????,?????????????“????”?

??????????,???????,??,???,?????,????,??????,???????

????,???????????????,??????,????????,????????????????,?????????

????????,?????????????4?????????????,??????????????????????,??????????????????,?????????????????????

????“??”??????????????????????,?????????,??,??????????ROA ?ROE?0.84%?10.82%,???????????????????6??????????????????????,????19.25%,??????14.92%,????14.01%,??2023????????????????

????????2024?????????

??????????????“????????????”

????,??1???7?????????????,??2021??100??????????????,???????????????1.54%?

???????????,????????????,???????????????????????,??????,??????,??????????????????????????????????????

???????????,??“????”??????????,????????,???;??,????????????,??????

??,?,????,??????????????,???????????????????????????????1.67%,????????

???,????????,?,?,??AI??????????????,????????????????,????,?????

????????????????,????,????308?,?98%,????????????

“??????”,??,?????????????,????????????????,?????????????,???????

“?????????????????????????????,????,?????”????????????

“????????,???????‘??’?”????,??????????????????????“??”??????????,??????????,?????????????,?????????

??????????????????????2024??????????????????????????????????

????????

?????,??,???????,???????,???,????????????????????,??????????????????,?????????????

2024??,??“?????”?????,????????????????????????????????“?????????”?????????

??????“????”?????????????????,????????,????????????,??“????????????????”?????????????,?????????????6??????????????????,????1.80???????????????12.31%?

???“???????”??,????,????4.46???,?????????????14.93%,?????????????2000????????????????

??????????,?????????????????????????????????????,????????????????,???“???????????”??????????,??

????????,?????????????????,???,???,????????????????????????????????????????????????????,??????????,???????????,??????????,????????,??????????????????????????????(????????????????)

?????:??????????