2021年建设银行经营状况及资本内生积累能力分析报告（17页）.pdf

1、2021 年深度行业分析研究报告 表表 1：关键财务指标概览（单位：百万元，：关键财务指标概览（单位：百万元，%） 业绩概览业绩概览 2019H1 2019Q3 2019A 2020Q1 2020H1 2020Q3 2020A 2021Q1 环比变化环比变化 营业收入同比增速营业收入同比增速 6.08% 7.66% 7.09% 11.94% 7.65% 5.89% 7.12% 3.40% -3.71pct 拨备前利润同比增速拨备前利润同比增速 6.99% 6.80% 6.75% 5.81% 5.46% 6.01% 7.43% 3.47% -3.97pct 归母净利润同比增速归母净利润同比增速

2、4.87% 5.25% 4.74% 5.12% -10.74% -8.66% 1.62% 2.80% 1.18pct ROE（年化）（年化） 15.62% 15.13% 13.18% 15.09% 12.65% 12.53% 12.12% 14.42% 2.30pct ROA（年化）（年化） 1.31% 1.27% 1.11% 1.23% 1.05% 1.03% 1.02% 1.15% 0.13pct 净息差 2.27% 2.27% 2.32% 2.27% 2.14% 2.13% 2.19% 2.13% -0.06pct 净利差 2.12% 2.12% 2.16% 2.09% 1.99% 1.

3、99% 2.04% 1.96% -0.08pct 成本收入比 20.78% 21.88% 25.44% 17.83% 19.49% 20.79% 23.72% 18.92% -4.80pct 生息资产生息资产同比增速同比增速 6.91% 5.69% 7.90% 10.69% 11.28% 12.48% 9.91% 9.12% -0.79pct 贷款同比增速 7.80% 7.75% 9.03% 12.37% 13.30% 12.33% 11.73% 10.57% -1.16pct 存款同比增速 6.23% 6.04% 7.25% 9.03% 11.89% 13.24% 12.00% 12.07%

4、 0.07pct 贷款/生息资产 59.72% 60.91% 59.17% 59.18% 59.90% 59.33% 59.94% 60.57% 0.63pct 存款/计息负债 85.06% 85.86% 82.19% 82.79% 83.94% 83.94% 83.32% 84.10% 0.78pct 不良贷款余额不良贷款余额 208,069 211,399 212,473 226,010 245,516 255,528 260,729 274,253 13,524 不良贷款率 1.43% 1.43% 1.42% 1.42% 1.49% 1.53% 1.56% 1.56% 0.00pct 拨

5、备覆盖率 218.03% 218.28% 227.69% 230.27% 223.47% 217.51% 213.59% 214.94% 1.35pct 逾期 90 天以上/不良 67.18% 未披露 58.51% 未披露 52.24% 未披露 49.06% 未披露 未披露 不良新生成率 1.42% 0.76% 1.45% 0.70% 1.91% 1.18% 1.74% 0.79% -0.95pct 逾期贷款余额 207,770 未披露 172,883 未披露 186,592 未披露 182,223 未披露 未披露 逾期贷款占比 1.43% 未披露 1.15% 未披露 1.14% 未披露 1.

6、09% 未披露 未披露 核心一级资本充足率核心一级资本充足率 13.70% 13.96% 13.88% 13.75% 13.15% 13.15% 13.62% 13.43% -0.19pct 资本充足率资本充足率 17.06% 17.30% 17.52% 17.22% 16.62% 16.88% 17.06% 16.71% -0.35pct 数据来源：Wind，广发证券发展研究中心 备注：营业收入、拨备前利润、归母净利润、ROE（年化）、ROA（年化）、净息差、净利差、不良新生成率为当年累计数据 公共联系人 972931397公共联系人2021-04-29 11:04:01 pOrPtNtMm