请问一个包含，一个不包含，也能用IF公式实现吗？如图所示

你不如把A列B列所有情况都列出来整个表格，哪个A哪个B写清楚，这么描述也太绕了

=IF(B2="","",XLOOKUP(IF(OR(A2={"苹果","香蕉"}),A2,"")&B2,{"苹果无货";"香蕉消耗";"有货"},{"A";"A";"A"},"B"))

=IF(B2="","",IF(SUM(ISNUMBER(FIND({"苹果","香蕉"},A2))*(B2={"无货","消耗"}),AND(ISERROR(FIND({"苹果","香蕉"},A2)))*(B2="有货")),"A","B"))