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以上市银行情况存款重定价结构估算,2026-27年到期的三年期及以上存款占总存款比重约13%-15%
以上市银行情况存款重定价结构估算,2026-27年到期的三年期及以上存款占总存款比重约13%-15%
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所属报告:
银行业上市银行春季调研反馈暨板块思考:2026年银行业选股为先α优于β-260128(23页).pdf
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4)基于上市银行存款到期结构估算全行业情况,2026-27年金融机构到期的三年期及以上存款分别约 44万亿、50万亿,占总存款比重或约 13%-15%,其中一季度到期存款占全年比重或超 6 成。基于上市银行存款重定价结构估算,三年期及以上存款占比由 2020年初约 12%提升至 2024 年近 20%。假设各年金融机构总存款结构中三年期及以上存款占比持平上市银行存款期限结构(基于重定价结构估算),同时假设 2026-27 年存款增速持平当前约 7%、三年期及以上存款占比持平 2024 年。则在此基础上,基于滚动到期估算逻辑(举例而言,如 2023 年三年期存款对应在 2026 年到期),估算 2026-30 年金融机构到期的三年期及以上存款分别约 44 万亿/50 万亿/56 万亿/62 万亿/66 万亿。
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当前图表所属:
银行业上市银行春季调研反馈暨板块思考:2026年银行业选股为先α优于β-260128(23页).pdf
2026年银行业策略:选股为先,α优于β
银行业上市银行春季调研反馈暨板块思考:2026年银行业选股为先α优于β-260128
以国有行+股份行按揭贷款的“不良率+关注率”衡量逾期现状,2024年平均约2%
过去三年来不良生成率底部有所抬升,零售不良压力上行是主要原因,对公端增提拨备压力则不大
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