浙商证券中信银行601998)公司点评表附录：三大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477,381757253832,978916,276利息净收入150.647151,827163,978181,053310,728326,264342,578359,707净手峡费收入37,0923857641,66244,9955,152,7725,564,9946,010,1936,551,111其他非息收入2330524,87524,330-130,985-129,628-137,552-146,245211,392213,708230,515250,3775,038,9675,435,3665,872,6416,404,865税金及附加-2,122-2,155-2,401-2,639证券投资2,502,8692,626,5902,942,7393,239283业务及管理货-64,54864,11269,155-72,609其他资产217,598186,642203,897222,860营业外净收入980008,547,5439,332,11610,194,832144,820147440158960175,1291,590,1331,749,1461,924,0612,116,467资严减值损失-71,404-67,32169,451-74,629存款余额5,099,3485,6092836,170,2117341680,11989,509100,500975,2061,023,9661,075,1651,128,923所得税-10.466-10,816-12084-13568其他负债197,026215,475235,707257,89562,95069,30377,42586,9337,861,7139,405,14310,29051762,10368.46776,49185,884685,83073424578968985247457,31563,67971,70381,096主要财务比率主要财务比率(百万元)2022A2023E2024E2025E(百万元)2022A2023E2024E2025E1.86%0.78%8.00%10.41%不良货款余额6521363,88668,42770,7823.41%4.00%8.00%8.00%不良货款净生成率1.14%1.05%1.00%0.95%非息净收入增速7.21%1.87%7.52%4.19%1.27%1.15%1.14%1.08%1.58%1.81%7.81%10.17%201%203%201%207%归属母公司净利润11.61%10.25%11.72%12.28%2.55%2.33%229%223%流功性ROAE10.86%11.15%11.52%11.92%货存比101.05%99.21%97.41%96.52%ROAA0.75%0.77%0.78%0.80%60.28%59.63%58.95%58.79%平均生息资产/平均RORWA1.02%1.04%1.06%1.09%92.51%92.71%93.01%92.88%4.09%3.88%3.97%3.99%付息率2.17%2.12%2.23%2.22%EPS1.171.301.471.66净利差1.92%1.76%1.74%1.77%BVPS11.2512.2213.3414.60净息差1.96%183%1.81%1.83%0.330.350.400.45成本收入比30.53%30.00%30.00%29.00%传值指拆4.764.283.803.3613.18%12.77%12.47%12.25%P/B0.500.460.420.38核心资本充足率10.63%10.44%10.29%10.18%P/PPOP1.881.851.711.56风险加权系数73.89%73.89%73.89%73.89%5.91%6.31%7.10%8.03%25.92%25.11%25.31%25.49%http://www.stocke.com.cn请务必阅读正文之后的免责条款部分