文档介绍：该【平安银行业务调整持续，负债经营成效显著 】是由【琥珀】上传分享，文档一共【18】页，该文档可以免费在线阅读，需要了解更多关于【平安银行业务调整持续，负债经营成效显著 】的内容，可以使用淘豆网的站内搜索功能，选择自己适合的文档，以下文字是截取该文章内的部分文字，如需要获得完整电子版，请下载此文档到您的设备，方便您编辑和打印。表1:关键财务指标概览(单位:百万元)2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%-%-%-%-%-%-%-%%-%-%-%-%-%-%-%%%%%%%%%-(年化)%%%%%%%%(年化)%%%%%%%%%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%-%%%%%%-%-%-%%%%%-%%%-%%%%%%%%-%%%%%%%%-,713110,323109,97096,93178,34874,5795,965-24,238-30,203存款较年初增量361,748158,31972,793151,159106,02148,788165,737134,245-31,492不良贷款余额34,95636,06935,34035,59836,03637,12236,39636,000-%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%%%%%%%%%-%%%%%%%%逾期/%%%%%%%%(重组+逾期)/%%%%%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%:,备注:营业收入、拨备前利润、归母净利润、ROE(年化)、ROA(年化)、净息差、净利差、不良新生成率为当年累计数据。图1:累计营收、PPOP、%营业收入同比增速 拨备前利润同比增速 %%%%%%% %-%-%-%-%-%-%数据来源:,表2:累计业绩同比增速2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%-%-%-%-%-%-%-%%%-%-%-%-%-%-%%-%-%-%-%%%%--%-%%%-%-%-%-%%-%-%-%-%%%%--%-%-%-%-%-%-%-%%-%-%-%-%-%-%-%%%%%%%%-%-%%%%%%%%-%%%%%%%%-:,图2:累计同比业绩拆分(2024Q1~3)平安银行2024Q1-%%%10%5%0%-5%-10%-15%-20%-25%生息资产规模净 净 其息 手 他差 续 收费 支收入税 成 拨金 本 备及 收 计附 入 提加 比有 净 少 归效 利 数 母税 润 股 净率 东 利净 润利润数据来源:,图3:累计同比业绩拆分(2024H1)10%5%0%%%%-5%-10%-15%-20%-25%生息资产规模净 净 其息 手 他差 续 收费 支收入税 成 拨金 本 备及 收 计附 入 提加 比有 净 少 归效 利 数 母税 润 股 净率 东 利净 润利润数据来源:,表3:累计同比业绩拆分2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%%--%-%-%-%-%-%-%-%-%-%%%%%%%%-%-%-%-%%%%-%-%%-%-%%%%%%%-%-%-%-%-%%%%%%%%%-%%%%%%%%%%%%%%%%-%%%%%%%%%%%%%%%%-:,表4:累计业绩结构分母为营收2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%-%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%:,图4:单季度营收、PPOP、%单季度营收、PPOP、%%%%%-%-%-%-%数据来源:,2022Q42023Q12023Q22023Q32023Q42024Q12024Q22024Q3环比变化营业收入-%-%-%-%-%-%-%-%:%%-%-%-%-%-%-%-%-%-%-%%%%%-%-%%%-%-%-%-%-%-%-%-%%%%%--%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%%%%-%-%%-%-%-%%%-%-%%%-%-%%%-%-%%%-%-:,%%%%%%%%-%-%-%-%-%-%-%-%-%-%%%%%-%%-%-%-%-%%%%%--%-%%-%-%%-%%-%%%-%-%-%-%-%%%%%-%%%%-%%-%%-%%%%%%%-%-%%%-%-%%%%%%%%%%%-%-%%%-%-:单季度同比业绩拆分数据来源:,图5:单季度同比业绩拆分(2024Q3)10%%(%)(%)5%0%-5%-10%-15%-20%生 净息 息资 差产规模净 其 税 成手 他 金 本续 收 及 收费 支 附 入收 加 比入拨 有 净 少 归备 效 利 数 母计 税 润 股 净提 率东 利净 润利润数据来源:,表7:%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%-%%%%%%%%%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%:,表8:累计ROE拆解2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%--%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%-%%%%%%%%%-%%%%%%%%%%%%%%%%-%-%-%-%-%-%-%-%%%%%%%%%%%%%%%%%:,备注:杠杆率同比变化的单位为“倍”。表9:%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%-%%-%%%%%%%%%%%%%%%%%%-%%%%%%%%%%%%%%%%:,备注:杠杆率同比变化的单位为“倍”。表10:净息差、净利差、生息资产收益率、计息负债成本率累计(披露值)2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%-(测算值)%%%%%%%%-%%%%%%%%-%%%%%%%%-%%%%%%%%-:,备注:单季度测算时生息资产剔除交易性金融资产以及其他权益工具投资。表11:生息资产分项收益率、计息负债分项成本率、利息收支结构平均收益率2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%-%%%%%%%%%%%%%%%%-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%-%%%%%%%%--32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%%%%%%%%%%%%%%%%%-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%%%%%%%%%:,表12:生息资产情况(单位:百万元)余额结构2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%%%%%%%%%%-%%%%%%%%-32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%-%-%-%%%%%%%%-%-%%%-%%-%-%-%%%%%%%%--32023A2024Q12024H12024Q1-%%%%%%%%-%%%%%%%-%-%-%-%-%%%%%-%%%%-%%%%-%%%%%-%-%-%--32023A2024Q12024H12024Q1-3同比变化总生息资产407,399146,998143,035178,148253,366111,668127,977162,411-15,737贷款265,713110,323109,97096,93178,34874,5795,965-24,238-121,169投资类资产73,707-25,989-30,626-18,45534,30954,604121,708193,107211,562存放央行-26,75632,36549,60364,866-10,61447,41331,3357,114-57,752同业资产94,73530,29914,08834,806151,323-64,928-31,031-13,572-48,378较年初增量结构2022A2023Q12023H12023Q1-32023A2024Q12024H12024Q1-%%%%%%%-%-%-%-%-%%%%%-%%%%-%%%%-%%%%%-%-%-%-,785146,998-3,96335,11375,218111,66816,30934,434-679贷款27,818110,323-353-13,039-18,58374,579-68,614-30,203-17,164投资类资产63,110-25,989-4,63712,17152,76454,60467,10471,39959,228存放央行-22,93432,36517,23815,263-75,48047,413-16,078-24,221-39,484同业资产76,79130,299-16,21120,718116,517-64,92833,89717,459-3,259单季增量/%%%-%-%%-%-%-%-%-%%%%%%