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浙商证券平安银行000001)公司点评表1：平安银行2022年年报业绩概览2201-321042201220410.99%13.59%12.49%124.49%12.8%7.0%15.99%5.69%-103peROA(年化)20bp1.1391002721285597429.14733.12133.6442828711.7%10.7%7.49-3.3p4313.39%67%12.4%-3.0%-15.4p363363655925720125.69%25.89%25.39%10.39%26.89%24.0%26.19%23.09%03704618.802.6%12117.3318.32169,383138.265179,8956242,1934620745.81546,243120.33697.349130.13030,77531.9423211733,2903278142864324.6302434.689.9564.755.719.4bp2.749%268%281%2.762.849%-864989%4919%12249%22094bp2209%2.17%2.189223%49.04740.91649.76111.4181426513.69812,953884933.06222.39%7.6238.8877.1757.812223%3.79553786.5236.6191.03747937365194938712.5671210612.1701286828309%2641%274590.829,789%26209%26.72%26.329%5091%17.146贷款减值损失59.40744.01023,47812.76317.06814,17920.15842.29%16bp3.1169bp2301.89133342.3613.758228439.2%20.80%20.50%20.50-0320.809%20.609%20.3620.5020.509%0.0p4.9213805.195.1335321.5145.108.7764.447,7434.712,7254,798,7121.89%194447,7434.6433104.667,1864,712,7254,7987121.89%3.329.1613063.4483.329.1611.153.1271297.46112817T1112%1410241297.4611.281.7712.003,8822047,39022%1.913.4711,935,4222,003,8822.0473902.2179.076197020273.81139.0%179.076207.43197.0202738111282.8891293.4864.9%5.7%1282,8891303.0291.284.1801.293,4851356.596082112852786312033313.6903082114.525.9324.769.7494.886.8342.5%4.525.9324,711,7744.696.6784.769,7494.886.834714069044.472.1141183246.1733.312.6842.0%425.228385.856473.8622.8%114425,228381.176419.412385.856473.86322.89%823934702138770219677.361702,138692075148.162163.52019191629.5%207.891132.100163.52019191617.49%395.448425384434.680395.448406175412.098434.6802.29%19.4060.0%19.,40619.40619,40619,40619.4060.09%31.27534.03534.8624%31.2753206034.8612bp3bp1.039%2bp43,4142299%43,41444.40942,65649,31560.59233bp132182%49.34949.665520424.8%55%49,34951.01447.24049.66552.042-3hp68.72243320.50125227174.9%1.80%35bp44bp3.359%1.809%2.03.069%4808465.1361303324401208.99%153.189%173.669%208279166.699%247.06%96.469%286.789%6288.49%2909%0.0p19p288.49%289.1%290.1%290.39%290.3%0.0p2949%10bp2943.049%881%-17bp4bp10.569%10.65%.25bp10.569%10.549%10.39%10.409%25p13349%1333%13019%资料来漂：公司公告，浙商证券研究所。注1：以22A举例，22Q4单季生息资产平均余额为期初期末平均，22A生息资产平均余额为22Q1、22Q2、2/8请务必阅读正文之后的免责条款部分
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