2021年杭州银行资产质量优势及未来发展战略分析报告（17页）.pdf

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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 25.73% 25.85% 25.53% 25.36% 22.89% 16.24% 15.87% 14.15% -1.71pct 拨备前利润同比增速拨备前利润同比增速 30.67% 29.52% 27.77% 27.60% 24.85% 18.23% 19.40% 16.74% -2.66pct 归母净利

2、润同比增速归母净利润同比增速 20.22% 20.25% 21.99% 19.26% 12.11% 5.11% 8.09% 16.33% 8.24pct ROE（年化）（年化） 14.76% 14.24% 12.15% 16.04% 14.28% 12.76% 11.14% 13.76% 2.62pct ROA（年化）（年化） 0.78% 0.75% 0.68% 0.84% 0.78% 0.69% 0.65% 0.84% 0.19pct 净息差 1.77% - 1.85% - 1.95% 1.97% 1.98% - - 净利差 1.90% - 1.93% - 1.93% 1.95% 1.96%

3、 - - 成本收入比 25.15% 26.17% 28.71% 22.45% 23.71% 24.62% 26.35% 21.35% -4.99pct 生息资产生息资产同比增速同比增速 11.17% 12.47% 11.29% 11.79% 12.45% 12.38% 12.83% 15.56% 2.73pct 贷款同比增速 23.78% 15.98% 18.14% 15.21% 16.81% 17.03% 16.81% 19.19% 2.38pct 存款同比增速 14.61% 14.05% 15.23% 16.57% 18.76% 17.67% 13.70% 14.31% 0.61pct 贷

4、款/生息资产 40.82% 40.90% 40.29% 41.71% 42.27% 42.48% 41.46% 42.28% 0.82pct 存款/计息负债 65.60% 63.53% 65.40% 68.13% 69.93% 67.07% 66.04% 65.88% -0.16pct 不良贷款余额不良贷款余额 5,351 5,434 5,533 5,641 5,596 5,114 5,175 5,441 266 不良贷款率 1.38% 1.35% 1.34% 1.29% 1.24% 1.09% 1.07% 1.05% -0.02pct 拨备覆盖率 281.56% 311.54% 316.71

5、% 354.73% 383.78% 453.16% 469.54% 498.63% 29.09pct 逾期 90 天以上/不良 74.67% - 86.14% - 88.98% 85.12% 59.05% - - 不良新生成率 0.87% 0.60% 0.96% 0.14% 0.15% 0.44% 0.30% 0.24% -0.06pct 逾期贷款余额 4,639 - 5,268 - 5,295 4,608 4,045 - - 逾期贷款占比 1.20% - 1.27% - 1.17% 0.98% 0.84% - - 核心一级资本充足率核心一级资本充足率 7.92% 8.09% 8.08% 8.

6、12% 8.64% 8.48% 8.53% 8.35% -0.18pct 资本充足率资本充足率 13.54% 13.65% 13.54% 14.39% 14.70% 14.41% 14.41% 13.97% -0.44pct 数据来源：Wind，广发证券发展研究中心；注：以上数据为累计值，2020 年末净息差和净利差数据口径有所调整 研报接受邮箱 972923485研报接受邮箱2021-04-29 00:03:22 mNrPqOtMmMnMtOsPvNnQmN8OaOaQpNnNmOqRjMoOqMkPsRmM6MmMxPvPtOoMuOnNqR 图图 1：营收、：营收、PPOP、归母净利润、