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宁波银行对公定期存款成本率低于国有五大行(24H1)
宁波银行对公定期存款成本率低于国有五大行(24H1)
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图片格式:PNG
图片大小:155KB
图片尺寸:2325*1329
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所属报告:
宁波银行-公司研究报告-拐点已现高增可期-241210(40页).pdf
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行业数据
2025-11-25
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行业数据
2025-11-04
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行业数据
2025-09-16
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开源北交所五大行业板块市盈率TTM(倍)
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行业数据
2025-09-01
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利息净收入驱动ROA与五大行差距收窄
<table border="1" cellspacing="0" cellpadding="5">
    <thead>
        <tr>
            <th rowspan="2">单位: %</th>
            <th colspan="4">交通</th>
            <th colspan="4">四大行</th>
            <th colspan="4">交通-四大行</th>
        </tr>
        <tr>
            <th>22A</th>
            <th>23A</th>
            <th>24A</th>
            <th>25Q1</th>
            <th>22A</th>
            <th>23A</th>
            <th>24A</th>
            <th>25Q1</th>
            <th>22A</th>
            <th>23A</th>
            <th>24A</th>
            <th>25Q1</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>营业收入</td>
            <td>2.08</td>
            <td>1.90</td>
            <td>1.79</td>
            <td>1.76</td>
            <td>2.27</td>
            <td>2.01</td>
            <td>1.81</td>
            <td>1.77</td>
            <td>-0.18</td>
            <td>-0.10</td>
            <td>-0.01</td>
            <td>-0.01</td>
        </tr>
        <tr>
            <td>利息净收入</td>
            <td>1.38</td>
            <td>1.21</td>
            <td>1.17</td>
            <td>1.13</td>
            <td>1.84</td>
            <td>1.58</td>
            <td>1.40</td>
            <td>1.28</td>
            <td>-0.46</td>
            <td>-0.37</td>
            <td>-0.22</td>
            <td>-0.15</td>
        </tr>
        <tr>
            <td>利息收入</td>
            <td>3.39</td>
            <td>3.40</td>
            <td>3.12</td>
            <td>2.85</td>
            <td>3.43</td>
            <td>3.37</td>
            <td>3.11</td>
            <td>2.75</td>
            <td>-0.04</td>
            <td>0.03</td>
            <td>0.01</td>
            <td>0.09</td>
        </tr>
        <tr>
            <td>利息支出</td>
            <td>2.01</td>
            <td>2.19</td>
            <td>1.95</td>
            <td>1.72</td>
            <td>1.59</td>
            <td>1.79</td>
            <td>1.72</td>
            <td>1.48</td>
            <td>0.42</td>
            <td>0.39</td>
            <td>0.23</td>
            <td>0.24</td>
        </tr>
        <tr>
            <td>非利息收入</td>
            <td>0.70</td>
            <td>0.69</td>
            <td>0.62</td>
            <td>0.63</td>
            <td>0.43</td>
            <td>0.43</td>
            <td>0.41</td>
            <td>0.49</td>
            <td>0.28</td>
            <td>0.26</td>
            <td>0.21</td>
            <td>0.14</td>
        </tr>
        <tr>
            <td>手续费及佣金净收入</td>
            <td>0.36</td>
            <td>0.32</td>
            <td>0.25</td>
            <td>0.31</td>
            <td>0.31</td>
            <td>0.27</td>
            <td>0.23</td>
            <td>0.30</td>
            <td>0.06</td>
            <td>0.05</td>
            <td>0.03</td>
            <td>0.00</td>
        </tr>
        <tr>
            <td>净其他非息收入</td>
            <td>0.34</td>
            <td>0.37</td>
            <td>0.37</td>
            <td>0.32</td>
            <td>0.12</td>
            <td>0.16</td>
            <td>0.19</td>
            <td>0.19</td>
            <td>0.22</td>
            <td>0.21</td>
            <td>0.18</td>
            <td>0.13</td>
        </tr>
        <tr>
            <td>营业支出</td>
            <td>0.64</td>
            <td>0.60</td>
            <td>0.56</td>
            <td>0.55</td>
            <td>0.67</td>
            <td>0.60</td>
            <td>0.56</td>
            <td>0.44</td>
            <td>-0.03</td>
            <td>-0.01</td>
            <td>-0.00</td>
            <td>0.11</td>
        </tr>
        <tr>
            <td>税金及附加</td>
            <td>0.03</td>
            <td>0.02</td>
            <td>0.02</td>
            <td>0.02</td>
            <td>0.02</td>
            <td>0.02</td>
            <td>0.02</td>
            <td>0.02</td>
            <td>0.00</td>
            <td>0.00</td>
            <td>0.00</td>
            <td>0.00</td>
        </tr>
        <tr>
            <td>管理费用</td>
            <td>0.62</td>
            <td>0.57</td>
            <td>0.54</td>
            <td>0.53</td>
            <td>0.65</td>
            <td>0.58</td>
            <td>0.54</td>
            <td>0.43</td>
            <td>-0.03</td>
            <td>-0.01</td>
            <td>-0.00</td>
            <td>0.11</td>
        </tr>
        <tr>
            <td>营业外支出</td>
            <td>0.15</td>
            <td>0.14</td>
            <td>0.15</td>
            <td>0.14</td>
            <td>0.07</td>
            <td>0.07</td>
            <td>0.07</td>
            <td>0.07</td>
            <td>0.08</td>
            <td>0.07</td>
            <td>0.08</td>
            <td>0.07</td>
        </tr>
        <tr>
            <td>PPOP</td>
            <td>1.29</td>
            <td>1.17</td>
            <td>1.09</td>
            <td>1.06</td>
            <td>1.52</td>
            <td>1.33</td>
            <td>1.18</td>
            <td>1.26</td>
            <td>-0.24</td>
            <td>-0.16</td>
            <td>-0.09</td>
            <td>-0.19</td>
        </tr>
        <tr>
            <td>资产减值损失</td>
            <td>0.49</td>
            <td>0.43</td>
            <td>0.37</td>
            <td>0.33</td>
            <td>0.44</td>
            <td>0.36</td>
            <td>0.30</td>
            <td>0.45</td>
            <td>0.05</td>
            <td>0.07</td>
            <td>0.07</td>
            <td>-0.11</td>
        </tr>
        <tr>
            <td>利润总额</td>
            <td>0.80</td>
            <td>0.74</td>
            <td>0.71</td>
            <td>0.73</td>
            <td>1.08</td>
            <td>0.97</td>
            <td>0.88</td>
            <td>0.81</td>
            <td>-0.28</td>
            <td>-0.23</td>
            <td>-0.17</td>
            <td>-0.08</td>
        </tr>
        <tr>
            <td>所得税</td>
            <td>0.05</td>
            <td>0.05</td>
            <td>0.06</td>
            <td>0.05</td>
            <td>0.17</td>
            <td>0.14</td>
            <td>0.11</td>
            <td>0.11</td>
            <td>-0.12</td>
            <td>-0.09</td>
            <td>-0.05</td>
            <td>-0.06</td>
        </tr>
        <tr>
            <td>ROAA（净利润）</td>
            <td>0.75</td>
            <td>0.69</td>
            <td>0.65</td>
            <td>0.68</td>
            <td>0.91</td>
            <td>0.83</td>
            <td>0.77</td>
            <td>0.70</td>
            <td>-0.16</td>
            <td>-0.14</td>
            <td>-0.12</td>
            <td>-0.02</td>
        </tr>
        <tr>
            <td>ROAE</td>
            <td>9.26</td>
            <td>8.83</td>
            <td>8.44</td>
            <td>8.87</td>
            <td>10.76</td>
            <td>10.15</td>
            <td>9.66</td>
            <td>9.01</td>
            <td>-1.50</td>
            <td>-1.31</td>
            <td>-1.21</td>
            <td>-0.13</td>
        </tr>
        <tr>
            <td>权益乘数</td>
            <td>12.41</td>
            <td>12.81</td>
            <td>12.97</td>
            <td>13.07</td>
            <td>11.84</td>
            <td>12.29</td>
            <td>12.65</td>
            <td>12.92</td>
            <td>0.57</td>
            <td>0.52</td>
            <td>0.33</td>
            <td>0.15</td>
        </tr>
        <tr>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
            <td></td>
        </tr>
        <tr>
            <td>贷款/总资产</td>
            <td>54.93</td>
            <td>55.28</td>
            <td>56.05</td>
            <td>56.96</td>
            <td>57.86</td>
            <td>57.90</td>
            <td>58.45</td>
            <td>58.69</td>
            <td>-2.93</td>
            <td>-2.62</td>
            <td>-2.40</td>
            <td>-1.73</td>
        </tr>
        <tr>
            <td>减值损失/总贷款</td>
            <td>0.89</td>
            <td>0.78</td>
            <td>0.67</td>
            <td>0.59</td>
            <td>0.77</td>
            <td>0.63</td>
            <td>0.51</td>
            <td>0.77</td>
            <td>0.12</td>
            <td>0.15</td>
            <td>0.16</td>
            <td>-0.18</td>
        </tr>
        <tr>
            <td>资产收益率-减值损失</td>
            <td>2.90</td>
            <td>2.97</td>
            <td>2.75</td>
            <td>2.51</td>
            <td>2.98</td>
            <td>3.01</td>
            <td>2.81</td>
            <td>2.30</td>
            <td>-0.08</td>
            <td>-0.04</td>
            <td>-0.07</td>
            <td>0.21</td>
        </tr>
        <tr>
            <td>投资净收益/总资产</td>
            <td>0.12</td>
            <td>0.19</td>
            <td>0.19</td>
            <td>0.04</td>
            <td>0.08</td>
            <td>0.08</td>
            <td>0.08</td>
            <td>0.02</td>
            <td>0.05</td>
            <td>0.11</td>
            <td>0.10</td>
            <td>0.02</td>
        </tr>
        <tr>
            <td>公允价值变动/总资产</td>
            <td>-0.02</td>
            <td>0.01</td>
            <td>0.02</td>
            <td>-0.00</td>
            <td>-0.03</td>
            <td>0.00</td>
            <td>0.01</td>
            <td>-0.00</td>
            <td>0.01</td>
            <td>0.01</td>
            <td>0.00</td>
            <td>-0.00</td>
        </tr>
        <tr>
            <td>净其他非息-其他项/总资产</td>
            <td>0.60</td>
            <td>0.49</td>
            <td>0.42</td>
            <td>0.60</td>
            <td>0.38</td>
            <td>0.35</td>
            <td>0.31</td>
            <td>0.47</td>
            <td>0.22</td>
            <td>0.14</td>
            <td>0.10</td>
            <td>0.12</td>
        </tr>
        <tr>
            <td>其他综合收益/总资产</td>
            <td>0.00</td>
            <td>0.06</td>
            <td>0.08</td>
            <td>-0.02</td>
            <td>0.01</td>
            <td>0.04</td>
            <td>0.12</td>
            <td>-0.05</td>
            <td>-0.00</td>
            <td>0.02</td>
            <td>-0.04</td>
            <td>0.02</td>
        </tr>
        <tr>
            <td>广义其他非息/总资产</td>
            <td>0.71</td>
            <td>0.75</td>
            <td>0.70</td>
            <td>0.61</td>
            <td>0.43</td>
            <td>0.47</td>
            <td>0.53</td>
            <td>0.45</td>
            <td>0.27</td>
            <td>0.28</td>
            <td>0.17</td>
            <td>0.16</td>
        </tr>
    </tbody>
</table>

数据来源：Wind，广发证券发展研究中心
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行业数据
2025-06-27
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图表12行业前五大酒企销售及费用端措施
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宁波银行-公司研究报告-拐点已现高增可期-241210(40页).pdf
宁波银行盈利预测表(每股指标单位:元/股,其他指标单位:百万元)
宁波银行资产质量核心指标
宁波银行“五管二宝”特色产品
宁波银行存款结构、同比增速与增量占比
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