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2020年平安银行信贷成本降低,非信贷类拨备计提占比提升
2020年平安银行信贷成本降低,非信贷类拨备计提占比提升
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所属报告:
【研报】银行业: 周期趋势起增配正当时-210527(40页).pdf
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齐鲁银行信贷增速及结构假设(国标口径)
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行业数据
2026-04-10
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齐鲁银行信贷增速(1H25)
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行业数据
2026-04-10
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图9、美国商业银行对私募信贷投资较为分散,风
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行业数据
2026-03-30
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按银行类别划分的信贷增长(%)
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行业数据
2026-03-04
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浙江省信贷增速高于全国平均水平,银行市占率持续提升(%)
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竞争格局
2026-02-06
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部分银行2024年绿色信贷发展情况
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行业数据
2026-01-26
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四类银行在2022-2024年的Q1新增信贷(左侧)和1H新增信贷(右侧)分别占全年新增的比例(%)
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行业数据
2026-01-07
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美国新建住房销量和商业银行信贷增量具有明显的同步性
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2025-12-31
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表2-6国内银行信贷资产碳排放核算案例
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2025-12-30
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图4-3境内系统重要性银行信贷资产碳排放量披露情况
fCDnsbvliKsgICAgICAgICAgICAgICB8IOWNoOavlCB8CnwtLS0tLS0tLS0tLS0tLS0tLS0tLXwtLS0tLS18Cnwg5oqr6Zyy5L+h6LS36LWE5Lqn56Kz5o6S5pS+6YePIHwgMTUlICB8Cnwg5pyq5oqr6ZyyICAgICAgICAgICAgIHwgODUlICB8CgrotYTmlpnmnaXmupDvvJrlm740LTMg5aKD5YaF57O757uf6YeN6KaB5oCn6ZO26KGM5L+h6LS36LWE5Lqn56Kz5o6S5pS+6YeP5oqr6Zyy5oOF5Ya1
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2025-12-30
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其一,非标资产质量已基本符合监管标准。据各家上市银行年报,2020 年末上市银行非标不良率、拨备覆盖率分别为 3.97%、158%,大多数银行非标资产风险抵御能力较强,已基本符合监管标准。若 2021 年资产风险分类新规落地,我们预计对上市银行资产质量影响可控。其二,侧面说明上市银行信贷类资产拨备计提较为充分,存量信贷风险已充分反映至财务指标。平安银行 2020 年报、2021 一季报充分验证了此观点,其 2020 年非信贷拨备计免责声明和披露以及分析师声明是报告的一部分,请务必一起阅读。 15 提占比达到近 40%,而信贷成本则同比下降 0.81pct;21Q1非信贷拨备计提占比也达到 23%,为 2015 年以来次高位,信贷成本则较 2020 年基本稳定。风险快速出清、轻装上阵,有望助推估值。
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