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农业银行存款平均余额稳健增长(2025上半年末)
农业银行存款平均余额稳健增长(2025上半年末)
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
所属报告:
农业银行(601288)-A股公司研究报告:农业银行的故事:股票篇-250916(23页).pdf
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国有大行网点数量:四川省邮储、农业银行网点较多,其他少于江浙地区(单位:个数)
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行业数据
2026-07-01
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10月农业银行永续债成交规模位居首位
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市场规模
2025-11-07
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农业银行盈利预测表(每股指标单位:元/股,其他指标单位:百万元)
```html
<html>
<head>
    <meta charset="UTF-8">
    <title>招商银行盈利预测表</title>
    <style>
        table {
            border-collapse: collapse;
            width: 100%;
            font-family: Arial, sans-serif;
        }
        th, td {
            border: 1px solid #ddd;
            padding: 8px;
            text-align: left;
        }
        th {
            background-color: #f2f2f2;
            font-weight: bold;
        }
        .section-title {
            font-weight: bold;
            margin-top: 10px;
        }
    </style>
</head>
<body>
    <table>
        <thead>
            <tr>
                <th>指标</th>
                <th>2023A</th>
                <th>2024A</th>
                <th>2025E</th>
                <th>2026E</th>
                <th>2027E</th>
            </tr>
        </thead>
        <tbody>
            <!-- 估值指标 -->
            <tr class="section-title"><td colspan="6">估值指标</td></tr>
            <tr><td>PE</td><td>11.06</td><td>10.61</td><td>10.19</td><td>9.67</td><td>9.07</td></tr>
            <tr><td>P/B</td><td>1.16</td><td>1.08</td><td>1.00</td><td>0.93</td><td>0.86</td></tr>
            <tr><td>P/PPOP</td><td>6.28</td><td>6.19</td><td>6.06</td><td>5.84</td><td>5.56</td></tr>

            <!-- 每股指标 -->
            <tr class="section-title"><td colspan="6">每股指标</td></tr>
            <tr><td>EPS</td><td>0.72</td><td>0.75</td><td>0.78</td><td>0.82</td><td>0.88</td></tr>
            <tr><td>BVPS</td><td>6.88</td><td>7.40</td><td>7.98</td><td>8.59</td><td>9.24</td></tr>
            <tr><td>PPOPPS</td><td>1.27</td><td>1.29</td><td>1.31</td><td>1.36</td><td>1.43</td></tr>
            <tr><td>DPS</td><td>0.23</td><td>0.24</td><td>0.25</td><td>0.26</td><td>0.28</td></tr>
            <tr><td>股息支付率</td><td>31.90%</td><td>32.06%</td><td>32.06%</td><td>32.06%</td><td>32.06%</td></tr>
            <tr><td>股息收益率</td><td>2.90%</td><td>3.04%</td><td>3.15%</td><td>3.32%</td><td>3.53%</td></tr>

            <!-- 驱动性因素 -->
            <tr class="section-title"><td colspan="6">驱动性因素</td></tr>
            <tr><td>贷款增长</td><td>14.42%</td><td>10.13%</td><td>9.50%</td><td>9.50%</td><td>9.00%</td></tr>
            <tr><td>存款增长</td><td>15.04%</td><td>4.87%</td><td>7.00%</td><td>7.00%</td><td>7.00%</td></tr>
            <tr><td>生息资产增长</td><td>17.60%</td><td>7.99%</td><td>12.50%</td><td>10.83%</td><td>9.65%</td></tr>
            <tr><td>计息负债增长</td><td>18.65%</td><td>8.29%</td><td>12.45%</td><td>11.01%</td><td>9.11%</td></tr>
            <tr><td>平均贷款收益率</td><td>3.82%</td><td>3.44%</td><td>2.83%</td><td>2.62%</td><td>2.47%</td></tr>
            <tr><td>平均生息资产收益率</td><td>3.29%</td><td>3.05%</td><td>2.57%</td><td>2.37%</td><td>2.25%</td></tr>
            <tr><td>平均存款付息率</td><td>1.76%</td><td>1.58%</td><td>1.27%</td><td>1.10%</td><td>1.00%</td></tr>
            <tr><td>平均计息负债付息率</td><td>1.94%</td><td>1.83%</td><td>1.47%</td><td>1.36%</td><td>1.31%</td></tr>
            <tr><td>净息差(NIM)-测算值</td><td>1.54%</td><td>1.39%</td><td>1.23%</td><td>1.13%</td><td>1.06%</td></tr>
            <tr><td>净利差(Spread)-测算值</td><td>1.35%</td><td>1.22%</td><td>1.10%</td><td>1.01%</td><td>0.94%</td></tr>
            <tr><td>净手续费收入增速</td><td>-1.46%</td><td>-5.65%</td><td>16.00%</td><td>12.00%</td><td>10.00%</td></tr>
            <tr><td>净非息收入/营收</td><td>17.71%</td><td>18.28%</td><td>21.78%</td><td>22.53%</td><td>23.34%</td></tr>
            <tr><td>成本收入比</td><td>33.86%</td><td>34.40%</td><td>34.40%</td><td>34.00%</td><td>33.50%</td></tr>
            <tr><td>拨备支出/平均贷款</td><td>0.64%</td><td>0.55%</td><td>0.50%</td><td>0.46%</td><td>0.43%</td></tr>
            <tr><td>实际所得税率</td><td>12.23%</td><td>11.44%</td><td>11.30%</td><td>11.30%</td><td>11.30%</td></tr>

            <!-- 业绩年增长率 -->
            <tr class="section-title"><td colspan="6">业绩年增长率</td></tr>
            <tr><td>净利息收入</td><td>-3.1%</td><td>1.6%</td><td>-2.1%</td><td>2.1%</td><td>3.1%</td></tr>
            <tr><td>净手续费收入</td><td>-1.5%</td><td>-5.7%</td><td>16.0%</td><td>12.0%</td><td>10.0%</td></tr>
            <tr><td>营业收入</td><td>0.0%</td><td>2.3%</td><td>2.3%</td><td>3.1%</td><td>4.2%</td></tr>
            <tr><td>营业支出</td><td>-0.3%</td><td>1.2%</td><td>1.6%</td><td>1.5%</td><td>2.5%</td></tr>
            <tr><td>拨备前利润</td><td>-1.8%</td><td>1.6%</td><td>2.1%</td><td>3.8%</td><td>5.1%</td></tr>
            <tr><td>利润总额</td><td>0.4%</td><td>3.8%</td><td>3.2%</td><td>5.0%</td><td>6.2%</td></tr>
            <tr><td>净利润</td><td>4.3%</td><td>4.8%</td><td>3.3%</td><td>5.0%</td><td>6.2%</td></tr>
            <tr><td>归母净利润</td><td>3.9%</td><td>4.7%</td><td>3.3%</td><td>5.0%</td><td>6.2%</td></tr>

            <!-- 盈利能力 -->
            <tr class="section-title"><td colspan="6">盈利能力</td></tr>
            <tr><td>ROAA</td><td>0.73%</td><td>0.68%</td><td>0.64%</td><td>0.60%</td><td>0.58%</td></tr>
            <tr><td>ROAE</td><td>10.91%</td><td>10.46%</td><td>10.16%</td><td>9.94%</td><td>9.85%</td></tr>
            <tr><td>RORWA</td><td>1.28%</td><td>1.26%</td><td>1.24%</td><td>1.20%</td><td>1.17%</td></tr>

            <!-- 资本状况 -->
            <tr class="section-title"><td colspan="6">资本状况</td></tr>
            <tr><td>资本充足率</td><td>17.14%</td><td>18.19%</td><td>18.03%</td><td>17.87%</td><td>17.71%</td></tr>
            <tr><td>一级资本充足率</td><td>12.87%</td><td>13.63%</td><td>12.96%</td><td>12.35%</td><td>11.78%</td></tr>
            <tr><td>核心一级资本充足率</td><td>10.72%</td><td>11.42%</td><td>11.32%</td><td>11.21%</td><td>11.11%</td></tr>
            <tr><td>加权风险资产</td><td>22,338,078</td><td>22,603,866</td><td>24,593,006</td><td>26,732,598</td><td>29,031,601</td></tr>
            <tr><td>风险加权系数</td><td>56.02%</td><td>52.28%</td><td>50.89%</td><td>49.97%</td><td>49.82%</td></tr>

            <!-- 利润表 -->
            <tr class="section-title"><td colspan="6">利润表</td></tr>
            <tr><td>净利息收入</td><td>571,750</td><td>580,692</td><td>568,416</td><td>580,319</td><td>598,136</td></tr>
            <tr><td>利息收入</td><td>1,223,698</td><td>1,275,680</td><td>1,183,914</td><td>1,219,258</td><td>1,273,126</td></tr>
            <tr><td>利息支出</td><td>651,948</td><td>694,988</td><td>615,498</td><td>638,940</td><td>674,990</td></tr>
            <tr><td>净手续费收入</td><td>80,093</td><td>75,567</td><td>87,658</td><td>98,177</td><td>107,994</td></tr>
            <tr><td>净其他非息收入</td><td>42,985</td><td>54,296</td><td>70,585</td><td>70,585</td><td>74,114</td></tr>
            <tr><td>营业收入</td><td>694,828</td><td>710,555</td><td>726,658</td><td>749,080</td><td>780,245</td></tr>
            <tr><td>营业支出</td><td>378,489</td><td>383,075</td><td>389,089</td><td>394,989</td><td>404,799</td></tr>
            <tr><td>税金及附加</td><td>7,260</td><td>7,548</td><td>8,673</td><td>8,890</td><td>9,227</td></tr>
            <tr><td>业务及管理费</td><td>235,296</td><td>244,420</td><td>249,970</td><td>254,687</td><td>261,382</td></tr>
            <tr><td>营业利润</td><td>316,339</td><td>327,480</td><td>337,569</td><td>354,092</td><td>375,445</td></tr>
            <tr><td>营业外净收入</td><td>-8,920</td><td>-8,279</td><td>-8,279</td><td>-8,279</td><td>-8,279</td></tr>
            <tr><td>拨备前利润</td><td>443,352</td><td>450,308</td><td>459,736</td><td>477,224</td><td>501,356</td></tr>
            <tr><td>资产减值损失</td><td>135,933</td><td>131,107</td><td>130,446</td><td>131,411</td><td>134,190</td></tr>
            <tr><td>利润总额</td><td>307,419</td><td>319,201</td><td>329,290</td><td>345,813</td><td>367,166</td></tr>
            <tr><td>所得税</td><td>37,599</td><td>36,530</td><td>37,210</td><td>39,077</td><td>41,490</td></tr>
            <tr><td>净利润</td><td>269,820</td><td>282,671</td><td>292,080</td><td>306,736</td><td>325,676</td></tr>
            <tr><td>归母净利润</td><td>269,356</td><td>282,083</td><td>291,492</td><td>306,148</td><td>325,088</td></tr>

            <!-- 资产负债表 -->
            <tr class="section-title"><td colspan="6">资产负债表</td></tr>
            <tr><td>贷款总额</td><td>22,614,621</td><td>24,906,187</td><td>27,272,275</td><td>29,863,141</td><td>32,550,824</td></tr>
            <tr><td>贷款减值准备</td><td>913,919</td><td>965,239</td><td>947,490</td><td>941,569</td><td>946,388</td></tr>
            <tr><td>贷款净额</td><td>21,731,766</td><td>23,977,013</td><td>26,324,785</td><td>28,921,572</td><td>31,604,436</td></tr>
            <tr><td>投资类资产</td><td>11,213,713</td><td>13,849,103</td><td>15,510,995</td><td>17,837,645</td><td>19,978,162</td></tr>
            <tr><td>存放央行</td><td>2,922,047</td><td>2,134,452</td><td>3,404,807</td><td>3,643,143</td><td>3,898,163</td></tr>
            <tr><td>同业资产</td><td>3,405,816</td><td>2,473,294</td><td>2,596,959</td><td>2,726,807</td><td>2,863,147</td></tr>
            <tr><td>其他资产</td><td>599,647</td><td>804,273</td><td>807,009</td><td>909,432</td><td>990,713</td></tr>
            <tr><td>生息资产</td><td>40,156,197</td><td>43,363,036</td><td>48,785,036</td><td>54,070,736</td><td>59,290,296</td></tr>
            <tr><td>资产合计</td><td>39,872,989</td><td>43,238,135</td><td>48,323,897</td><td>53,496,029</td><td>58,277,214</td></tr>
            <tr><td>存款</td><td>28,898,468</td><td>30,305,357</td><td>32,426,732</td><td>34,696,603</td><td>37,125,365</td></tr>
            <tr><td>向央行借款</td><td>1,127,069</td><td>847,324</td><td>847,324</td><td>847,324</td><td>847,324</td></tr>
            <tr><td>同业负债</td><td>4,136,308</td><td>5,647,308</td><td>7,906,231</td><td>9,882,789</td><td>11,365,207</td></tr>
            <tr><td>发行债券</td><td>2,295,921</td><td>2,678,509</td><td>3,214,211</td><td>3,857,053</td><td>4,435,611</td></tr>
            <tr><td>计息负债</td><td>36,457,766</td><td>39,478,498</td><td>44,394,498</td><td>49,283,769</td><td>53,773,508</td></tr>
            <tr><td>负债合计</td><td>36,976,122</td><td>40,140,862</td><td>45,024,846</td><td>49,983,539</td><td>54,537,026</td></tr>
            <tr><td>股东权益合计</td><td>2,896,867</td><td>3,097,273</td><td>3,299,051</td><td>3,512,490</td><td>3,740,188</td></tr>

            <!-- 资产质量 -->
            <tr class="section-title"><td colspan="6">资产质量</td></tr>
            <tr><td>不良贷款余额</td><td>300,757</td><td>322,163</td><td>343,330</td><td>369,632</td><td>389,576</td></tr>
            <tr><td>不良贷款率</td><td>1.33%</td><td>1.29%</td><td>1.26%</td><td>1.24%</td><td>1.20%</td></tr>
            <tr><td>不良净生成率</td><td>0.56%</td><td>0.63%</td><td>0.68%</td><td>0.60%</td><td>0.50%</td></tr>
            <tr><td>拨备覆盖率</td><td>304%</td><td>300%</td><td>276%</td><td>255%</td><td>243%</td></tr>
            <tr><td>拨贷比</td><td>4.04%</td><td>3.88%</td><td>3.47%</td><td>3.15%</td><td>2.91%</td></tr>

            <!-- 流动性 -->
            <tr class="section-title"><td colspan="6">流动性</td></tr>
            <tr><td>存贷比</td><td>78.26%</td><td>82.18%</td><td>84.10%</td><td>86.07%</td><td>87.68%</td></tr>
            <tr><td>贷款/总资产</td><td>56.72%</td><td>57.60%</td><td>56.44%</td><td>55.82%</td><td>55.86%</td></tr>
            <tr><td>投资类资产/总资产</td><td>28.12%</td><td>32.03%</td><td>32.10%</td><td>33.34%</td><td>34.28%</td></tr>
            <tr><td>同业资产/总资产</td><td>8.54%</td><td>5.72%</td><td>5.37%</td><td>5.10%</td><td>4.91%</td></tr>
        </tbody>
    </table>

    <p style="margin-top: 20px;">数据来源：Wind，广发证券发展研究中心</p>
</body>
</html>
```
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行业数据
2025-11-06
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农业银行主要指标占上市银行比例(%)
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行业数据
2025-09-28
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农业银行涉房类贷款规模和占比为可比同业最低
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行业数据
2025-09-17
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农业银行县域金融业务是全行净利息收入增长的压舱石
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行业数据
2025-09-17
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农业银行境内机构数为三家大行之首(2025上半年末)
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行业数据
2025-09-17
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农业银行个人活期存款占比为可比同业之首(2025上半年末)
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行业数据
2025-09-17
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农业银行个人客户数位居可比同业第一(2025上半年末)
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行业数据
2025-09-17
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2025上半年农业银行超额贷款拨备规模同业领先
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行业数据
2025-09-17
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农业银行计息负债成本率和存款成本率同业偏低(2025H1)
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行业数据
2025-09-17
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2020年以来农业银行ROE降幅为三家大行中最小
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行业数据
2025-09-17
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农业银行零售贷款主要投向西部和长三角地区(2025上半年末)
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行业数据
2025-09-17
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农业银行对公贷款主要投向长三角和西部地区(2025上半年末)
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行业数据
2025-09-17
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农业银行(601288)-A股公司研究报告:农业银行的故事:股票篇-250916(23页).pdf
表收入增长
近年来国家陆续出台多项政策以支持县域经济发展
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