浙商证券平安银行000001)公司点评表附录：报表预测值资产负债表利润表(百万元)2022A2023E2024E2025E(百万元)2022A2023E2024E2025E存放央行285,277376,712421,918472.548净利意收入130,130139,934151,834166,667273,811292,978322276354,503净手峡货收入3020831.41632,67333,980贷款总额3,329,1613728,6604,176,1004.677.232其他非息收入1955720,53521,35622210(97,919)(107,536(112,827)(113,187)营业收入179,895191,885205,863222,8573,242,2583,621,1254.0632734,564.044税金及附加(1,727(1,847)(2,017)(2,213)证券投资1,356,5961225,3161,339,3341,462,558业务及管理货(49,387)(52,679)(56,516)(61,181)其他资产163,572223,129248,640277,232营业外净收入(222)0005,321,5145,739,2606,395,4407,130,886128,559137,359147,330159,462同业负债665,779699.068768.975845,872资产减值损失(71,306(69,639(67,918)(66,253)存款余额3,312,6843,710,2064,1554314,654,083礼前利测57,25367,72079,41293209应付债券692,075692,075761283837.411所得税(11,737)(13,883)(16,280)(19,108)其他负债216,296157,774175,84645,51653,83763,13374,1014,886,8345259,1235,8615346,533,36645,51653,83763,13374,101434,680480,137533,906597,52042,66750,98860,28471,252主要财务比率主要财务比率(百万元)2022A2023E2024E2025E(百万元)2022A2023E2024E2025E利息净收入增速8.14%7.53%8.50%9.77%不良货款余额34,86134,98234,94134,0078.63%4.00%4.00%4.00%不良货款净生成率2.24%1.70%1.50%1.40%非息净收入增速1.46%4.39%4.00%4.00%不良货款率1.05%0.94%0.84%0.73%7.40%6.85%7.26%290%307%323%333%归属母公司净利润增25.26%1828%17.27%17.37%拔货比3.04%2.88%2.70%242%量利能力流动性ROAE12.36%13.16%13.79%14.37%货存比100.50%100.50%100.50%100.50%ROAA0.89%0.97%1.04%62.56%64.97%6530%65.59%平均生息资产/平均总RORWA1.21%130%1.39%147%91.17%91.31%90.61%90.91%4.91%4.85%4.82%2.20%2.16%2.17%2.16%EPs2.202.633.113.67净利差2.71%2.69%2.65%2.61%BVPS18.8021.1423.9127.19净息差2.79%2.73%2.70%2.66%0.290.340.390.46成本收入比27.45%27.45%27.45%27.45%佑值指标P/E6.005.024.253.6013.01%1321%13.11%13.08%P/B0.700.620.550.49核心资本充足率10.40%10.70%10.73%10.82%P/PPOP1.991.861.741.61风险加权系数74.70%74.70%74.70%74.70%殿息收益率2.16%254%2.98%3.50%12.15%12.10%12.10%12.10%http://www.stocke.com.cn23请务必阅读正文之后的免责条款部分