2021年光大银行经营能力及资产质量分析报告（17页）.pdf

1、2021 年深度行业分析研究报告 表表 1：关键财务指标概览（单位：百万元，：关键财务指标概览（单位：百万元，%） 业绩概览业绩概览 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 26.63% 23.19% 20.47% 10.23% 9.03% 6.59% 7.28% 3.72% -3.56pct 拨备前利润同比增速拨备前利润同比增速 32.11% 26.12% 23.25% 11.71% 10.13% 10.88% 8.38% 3.10% -5.28pct 归母净利润同比增速归

2、母净利润同比增速 13.11% 13.11% 10.98% 11.28% -10.18% -5.71% 1.26% 6.32% 5.06pct ROE（年化）（年化） 12.90% 13.15% 11.77% 12.33% 10.05% 11.09% 10.71% 11.11% 0.40pct ROA（年化）（年化） 0.91% 0.92% 0.82% 0.87% 0.73% 0.79% 0.75% 0.84% 0.09pct 净息差 2.28% 2.29% 2.31% 2.30% 2.29% 净利差 2.15% 2.18% 2.20% 2.20% 成本收入比 26.27% 27.84% 27

3、.27% 24.55% 25.42% 24.80% 26.38% 24.76% -1.62pct 生息资产生息资产同比增速同比增速 7.86% 7.83% 7.77% 11.99% 12.35% 10.36% 10.53% 9.54% -1.00pct 贷款同比增速 16.14% 11.84% 12.01% 15.35% 12.67% 11.50% 10.96% 9.11% -1.85pct 存款同比增速 20.00% 19.23% 17.58% 24.22% 24.34% 19.15% 15.15% 1.56% -13.59pct 贷款/生息资产 57.68% 58.17% 58.85% 5

4、7.04% 55.83% 57.65% 57.88% 58.40% 0.52pct 存款/计息负债 70.18% 70.11% 71.00% 74.91% 75.01% 74.30% 72.39% 71.52% -0.87pct 不良贷款余额不良贷款余额 40,718 41,041 42,212 45,004 45,413 45,234 41,666 43,229 1,563 不良贷款率 1.57% 1.54% 1.56% 1.55% 1.55% 1.53% 1.38% 1.37% -0.01pct 拨备覆盖率 178.04% 179.10% 181.62% 182.22% 186.77% 1

5、82.06% 182.71% 183.87% 1.16pct 逾期 90 天以上/不良 88.69% 80.33% 78.85% 79.79% 不良新生成率 1.75% 1.67% 1.83% 1.77% 1.67% 2.00% 2.06% 1.61% -0.44pct 逾期贷款余额 67,461 61,544 64,717 64,596 逾期贷款占比 2.59% 2.27% 2.22% 2.15% 核心一级资本充足率核心一级资本充足率 9.01% 9.16% 9.20% 9.05% 8.68% 8.80% 9.02% 9.00% -0.02pct 资本充足率资本充足率 12.29% 13.4

6、3% 13.47% 13.10% 12.74% 13.83% 13.90% 13.74% -0.16pct 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 972931397公共联系人2021-04-29 11:14:41 pOsMpRsNnNnMqNsPvNrMoP8OdNaQoMnNsQmNjMnNtPiNnOpP9PmMyQxNqNpQxNtPmM 图图 1：营收、：营收、PPOP、归母净利润、归母净利润累计累计同比增速同比增速 数据来源：Wind，广发证券发展研究中