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浙商证券宁波银行002142)点评报告表1：宁波银行2022年年报业绩概览21A22Q1-322Q122Q222Q322Q4QoQ16.649%16.0%15.569612.7%14.09%14.5%123%ROA(年化).1bp2b01.01.00%32.82228.81810.1516.893-28.6%30.7%154%8.89%-218p18.49610.4%22.5p19.54617.19123.075235.7205.5485.923123%2603.388.1%0790.840.9020372274203721.222.1622.7423.1444.79257.87915.26314.149-18715.49%20.09%11.0%32.6972714337.5219.4947.8099.9401446.8411.824.1621.854.98311728.0401.853.,08018911671.947.4463.0%2023bp-24b423%Ibp44bp4.61%4.429%4.009%428%2.21%2.08920.0771754920,3581.49%5.67128082625.197.46626231.8091.7351.6492.2711.81512.89230483.9604.6053.7911557021.58210.7%59105.0065.57534.764255%12.3779.9464859.65910.38310,66010.4%4.29227108981.47%1.121.920.11%8361.652214836182495-23.79%4.09%4.46.43%12.859%2.015.5482315.6802.365.092.015.5482219.1922239.7082.3156802.366.097152163219110211834.4471871.71319838711,046,002929,9149%9,4811.023.151529.581654,77223.6%529.58190,140633,997333.128373.572391230333.128391.23049.25572.402122%29.0656.55856.58963.56967.4631.049.423967.4631.043.2141,049.4231.119.012104.4441219%179.009104444117.0441.855.6132.149.8442.197.57117.8%1.865.6132.053.2922.077.6362.149.8442.1975711.786,2212.104,8164.0%17.8%1,7862212,0229241.252.1721,297,0851.052871298.6691.249.7551.252172398,921380.47773.35716.27335785.26433.533543.100563.703140517197.568159848269,228255.033305,451198%13.5%269228213.785259,981255.033198%382364433933643520.0%81.74291.74291.792-20.0%149,359164.96167,62612.2%149359155,326161,143164.9626.6046.6046.6040.0%6.60466046.6046.6197.8707.8460%18.566197.187-2bp0.77%0.77%4.1004.836.0444.1004.77847836.52029.49%65207.5158.4370.76%5bp0.769%8.6422.4711.0591.00929bp1.06%080%-8bp3.T275.5347.415112.039%115.09%115.269%89.94%95.60%67.8970.820.6p520.2%4005%2141bp10.169.939%-21bp-57bo10.889%16219%-25h1621%资料来源：公司公告，浙商证券研究所。注1：以22A苹例，2204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2201、2202、22Q3、22Q4平均余额的平均值，右侧Q6Q指22Q4环比2203指标变化情况.2/4请务必阅读正文之后的免责条款部分
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