浙商证券民生银行600016)公司点评图1：民生银行2022年年报业绩概览224050%064%050%-14bp006%42h114,3731926415433129%252%243%27%300%117249,140149124n.76%234%0.7104%025021837%1106110019%113111010&59638,16934,397125,77581,40810746127,9782754727,27626,58526055656447566752416,551,19566064146,736025.31bpna192%163%161%.30bp1.71%167%1.62%159%157%4239%242%242%242%1bp245%240%241%245%2449%24302910,1911028978127227566143702027490425452311%1546314,7391,149363558764923207291725995431152112.75416911326829.17%35.61%454522%26.05%067%49.91%787733523921,7011046710.969295%41.6957.79413681105141.74%076%130%093%10%7471,711273.515210%531%-1.6p069%90%4204%69527867,13392172556727,1575987,133,9217,255673651613567021016516,13566966926.775358659121367021014,045,6924,131,4184,141,14402%2.44,2055364,131,4184,141,14402%2304,36123807092041612454,3431,741,3311,750,70905%0.0%1,741,3311,735,0561,7545551,750,709059%252676231,067274,149186%2526769292327414920443321530932225,8702071,3532.18459421530932225,87034%存行361,02324,1686.3%361,30355,69365,960324,16861662476522726664285965589516,71786966428596,211,87663372606474,8454296411,9186,337,2606474,845229%14%1,215239101413312152391.1563661014133248,459na289,671na16.6%248,459274,827nana1,72877419522421,728,774nana1,952242na个人定期576964730873na26.7%576,964677,191na1,239,53827.7%1,324,5081,239,5387110247641664107687,965764,196394,248282,128250,030366%394,248381,207370935282,128250,03014%57429058640759992843,78243782417143,78243782437243,7824378272,3384.1%72,338727371799%1749%1749%1.74%16%7115,297116900119,720115,297113,016113145116,900119,72024%25%270%2%87,725na8334nann5712934.3%191951701710949不生成军148%125%126%22bp1.62%104%126%51919410%1927717.30911628156777829%7049%745495145%%87.03%70nna14539%1411%140.7%2609%2499%13bp901%9.17%1073%1083%10.91%1073%1064%1049%1083%1330%资料来漂：公司公告，浙商证券研究所。注1：以22Q1-3举例，22Q3单季生息资严平均余额为期初期末平均，2201-3生息资严平均余额为22Q1、22Q2、22Q3平均余额的平均值。QoQ指22Q1-3环比22H1的指标变化情况，YoY指22Q1-3同比22Q1-3的指标变化情况，右侧Q0Q指22Q3环比2/4请务必阅读正文之后的免责条款部分