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渝农商行网点均贷款规模低于同业
渝农商行网点均贷款规模低于同业
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所属报告:
渝农商行(601077)-A股公司深度报告:“新动能”落地强化银行竞争力基本面改善空间较大-260303(30页).pdf
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总结来看,三大战略的落地将有效提升银行对优质客户的挖掘能力以及整体的获客效率,同时也有助于银行解决自身网点均资产、负债规模相对较小的问题。虽然渝农商行在总资产规模、营业网点数量方面具有相对优势,但银行网点均资产规模、均信贷规模、均存款规模上面却相对较小。1H25银行网点均资产规模、均信贷规模、均存款规模分别为 9.4亿元、4.4亿元、5.9亿元,均明显低于其他上市农商行。因此未来存在较大成长空间:1)外部环境:而如前文所述,银行地处重庆市这一经济发达、国家战略较多的优质区域,未来成长空间尚在;2)内部调整:渝农商行一方面调整网点业务结构,过去只做存款端业务的网点向资产端倾斜,重点布局资产类业务,另一方面压缩柜员数量,让更多的员工参与营销业务,凭借规模优势做大网点均值。因此,从外部优势+内部协同,叠加“三年新规划”助推战略地,银行具有较大的发展潜力与较强的成长性。
市场规模
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渝农商行(601077)-A股公司深度报告:“新动能”落地强化银行竞争力基本面改善空间较大-260303(30页).pdf
重庆市总投资规模持续提升
重庆市建设项目数量持续增加
三季度后重庆基建投资增速反超全国平均水平
重庆市GDP的行业分布
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