2021年紫金银行业绩报表和资产质量分析报告.pdf

1、2021 年深度行业分析研究报告 表表 1：关键财务关键财务指标概览指标概览（单位：百万元，（单位：百万元，%） 关键财务指标关键财务指标 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 22.45% 22.22% 10.54% 10.32% 2.53% -2.23% -4.24% -22.14% -17.90pct 拨备前利润同比增速拨备前利润同比增速 33.32% 33.42% 16.83% 17.64% 4.79% 1.59% -4.48% -33.05% -28.57pct

2、归母净利润同比增速归母净利润同比增速 18.41% 15.22% 13.03% 10.71% 1.95% 1.83% 1.72% 2.18% 0.46pct ROE（年化）（年化） 11.12% 11.68% 10.80% 9.24% 10.44% 10.97% 10.14% 8.80% -1.34pct ROA（年化）（年化） 0.72% 0.77% 0.72% 0.63% 0.71% 0.74% 0.00% 0.00% 0.00pct 净息差 2.18% 2.20% 2.12% 2.06% 2.01% 1.96% 1.91% 1.87% -0.04pct 净利差 2.10% 2.10% 2

3、.00% 1.88% 1.86% 1.81% 1.77% 1.72% -0.05pct 成本收入比 25.70% 27.53% 29.69% 21.22% 24.53% 25.56% 30.36% 31.51% 1.16pct 生息资产生息资产同比增速同比增速 10.71% 9.18% 8.75% 1.74% 3.90% 7.13% 6.59% 9.61% 3.02pct 贷款同比增速 25.07% 20.56% 17.00% 9.83% 16.21% 17.13% 18.37% 18.03% -0.34pct 存款同比增速 12.30% 11.06% 14.36% 8.31% 11.98%

4、16.43% 12.95% 16.21% 3.26pct 贷款/生息资产 48.90% 50.38% 50.65% 52.41% 55.22% 54.03% 55.43% 55.72% 0.29pct 存款/计息负债 68.28% 70.39% 71.59% 74.50% 73.94% 74.91% 74.60% 77.59% 2.99pct 不良贷款余额不良贷款余额 1,656 1,664 1,718 1,810 1,945 1,979 2,028 2,137 109 不良贷款率 1.66% 1.65% 1.68% 1.68% 1.68% 1.68% 1.68% 1.68% 0.00pct

5、拨备覆盖率 225.25% 224.74% 236.95% 240.50% 245.05% 242.09% 220.15% 215.20% -4.95pct 逾期 90 天以上/不良 48.39% 未披露 69.67% 未披露 74.43% 未披露 44.36% 未披露 未披露 不良新生成率 0.71% 1.48% 0.79% 1.73% 0.88% 1.00% 1.39% 0.97% -0.41pct 逾期贷款余额 995 未披露 1,603 未披露 1,799 未披露 1,162 未披露 未披露 逾期贷款占比 1.00% 未披露 1.57% 未披露 1.55% 未披露 0.96% 未披露

6、未披露 核心一级资本充足率核心一级资本充足率 9.94% 10.69% 11.07% 11.43% 10.81% 11.14% 11.19% 10.16% -1.03pct 资本充足率资本充足率 13.50% 14.37% 14.78% 15.15% 14.49% 17.91% 16.81% 15.34% -1.47pct 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 972931392公共联系人2021-04-28 16:27:27 nMqOrPoRpPqRrMmRy