邮储银行601658核心经营数据 |
2740 ℃ |
|
当前股价：5.42，市值：5375
亿，动态市盈率PE：6.22，
合理估值PE：15，未来三年预期收益率：160.15%。 其中，历史营业增长率：12.13%，净利增长率：16.82%； 未来三年预估净利增长率：3.2% （24E:0.34%, 25E:3.86%, 26E:5.47%）。 |
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 股本(亿) | 991.61 | 923.84 | 923.84 | 869.79 | 862.03 | 810.31 | 810.31 | 810.31 | 686.04 | 570 |
| 净资产(亿) | 9566.16 | 8258.14 | 7955.49 | 6729.3 | 5448.79 | 4753.13 | 4313.57 | 3468.88 | 2708.31 | 1879.09 |
| 总负债(亿) | 147700.15 | 132414.68 | 117923.24 | 106803.33 | 96718.27 | 90408.98 | 85811.94 | 79187.34 | 70255.33 | 61104.16 |
| 客户存款(亿) | 139559.63 | 127144.85 | 113540.73 | 103580.29 | 93140.66 | 86274.4 | 80626.59 | 72863.11 | 63050.14 | 58029.46 |
| 客户存款占比(%) | 94.49 | 96.02 | 96.28 | 96.98 | 96.3 | 95.43 | 93.96 | 92.01 | 89.74 | 94.97 |
| 同业存入(亿) | 1555.15 | 1214.69 | 1973.74 | 1166.55 | 730.48 | 1140.1 | 1220.71 | 2958.45 | 1622.1 | 588.83 |
| 同业存入占比(%) | 1.05 | 0.92 | 1.67 | 1.09 | 0.76 | 1.26 | 1.42 | 3.74 | 2.31 | 0.96 |
| 借款总额(亿) | 6321.44 | 3555.35 | 1811.26 | 1487.71 | 2264.98 | 2597.41 | 3125.01 | 2159.17 | 4958.27 | 1346.02 |
| 借款总额占比(%) | 4.28 | 2.69 | 1.54 | 1.39 | 2.34 | 2.87 | 3.64 | 2.73 | 7.06 | 2.2 |
| 经营负债(亿) | 539.06 | 599.66 | 735.62 | 627.28 | 615.69 | 698.54 | 1495.4 | 1288.23 | 1271.22 | 1288.26 |
| 经营负债占比(%) | 0.36 | 0.45 | 0.62 | 0.59 | 0.64 | 0.77 | 1.74 | 1.63 | 1.81 | 2.11 |
| 总资产(亿) | 157266.31 | 140672.82 | 125878.73 | 113532.63 | 102167.06 | 95162.11 | 90125.51 | 82656.22 | 72963.64 | 62983.25 |
| 货币资金(亿) | 4869.58 | 4647.32 | 3708.75 | 2920.78 | 2979.7 | 4259.73 | 6127.57 | 3690.63 | 5246.22 | 8439.71 |
| 货币资金占比(%) | 3.1 | 3.3 | 2.95 | 2.57 | 2.92 | 4.48 | 6.8 | 4.47 | 7.19 | 13.4 |
| 客户贷款(亿) | 81488.93 | 72104.33 | 64540.99 | 57162.58 | 49741.86 | 42768.65 | 36301.35 | 30106.48 | 24718.53 | 18753.82 |
| 客户贷款占比(%) | 51.82 | 51.26 | 51.27 | 50.35 | 48.69 | 44.94 | 40.28 | 36.42 | 33.88 | 29.78 |
| 买入返售(亿) | 4095.26 | 2298.7 | 2652.29 | 2599.56 | 1473.94 | 2396.87 | 1419.74 | 731.31 | 1488.68 | 5575.23 |
| 买入返售占比(%) | 2.6 | 1.63 | 2.11 | 2.29 | 1.44 | 2.52 | 1.58 | 0.88 | 2.04 | 8.85 |
| 应收投资(亿) | - | - | - | - | - | - | 14245.58 | 14985.24 | 18834.98 | 7704.8 |
| 应收投资占比(%) | - | - | - | - | - | - | 15.81 | 18.13 | 25.81 | 12.23 |
| 其他投资(亿) | 48795.53 | 45359.39 | 40366.53 | 36040.64 | 34503.14 | 32107.5 | 17490.59 | 19714.96 | 11042.42 | 8101.68 |
| 其他投资占比(%) | 31.03 | 32.24 | 32.07 | 31.74 | 33.77 | 33.74 | 19.41 | 23.85 | 15.13 | 12.86 |
| 经营资产(亿) | 1217.6 | 1056.58 | 1051.06 | 841.5 | 724.48 | 580.26 | 449.88 | 311.88 | 239.25 | 245.03 |
| 经营资产占比(%) | 0.77 | 0.75 | 0.83 | 0.74 | 0.71 | 0.61 | 0.5 | 0.38 | 0.33 | 0.39 |
| 营业收入(亿) | 3425.07 | 3349.56 | 3187.62 | 2862.02 | 2768.09 | 2609.95 | 2245.72 | 1888.09 | 1897.07 | 1733.79 |
| 营业收入增长率(%) | 2.25 | 5.08 | 11.38 | 3.39 | 6.06 | 16.22 | 18.94 | -0.47 | 9.42 | 19.81 |
| 净利息收入(亿) | 2818.03 | 2735.93 | 2693.82 | 2533.78 | 2402.24 | 2341.22 | 1881.15 | 1575.86 | 1792.59 | 1678.16 |
| 净利息收入占比(%) | 82.28 | 81.68 | 84.51 | 88.53 | 86.78 | 89.7 | 83.77 | 83.46 | 94.49 | 96.79 |
| 手续费及佣金净收入(亿) | 282.52 | 284.34 | 220.07 | 164.95 | 170.85 | 144.34 | 127.37 | 114.98 | 86.72 | 64.79 |
| 手续费及佣金净收入占比(%) | 8.25 | 8.49 | 6.9 | 5.76 | 6.17 | 5.53 | 5.67 | 6.09 | 4.57 | 3.74 |
| 业务及管理费用(亿) | 2220.15 | 2057.05 | 1881.02 | 1656.49 | 1565.99 | 1472.15 | 1382.68 | 1254.93 | 1153.55 | 1057.82 |
| 成本收入比(%) | 64.82 | 61.41 | 59.01 | 57.88 | 56.57 | 56.41 | 61.57 | 66.47 | 60.81 | 61.01 |
| 资产减值损失(亿) | - | - | - | - | - | - | 267.37 | 169.02 | 256.35 | 204.12 |
| 资产减值损失占比(%) | - | - | - | - | - | - | 11.91 | 8.95 | 13.51 | 11.77 |
| 净利润(亿) | 864.24 | 853.55 | 765.32 | 643.18 | 610.36 | 523.84 | 477.09 | 397.76 | 348.57 | 325.67 |
| 净利润增长率(%) | 1.25 | 11.53 | 18.99 | 5.38 | 16.52 | 9.8 | 19.94 | 14.11 | 7.03 | 9.77 |
| 资产收益率ROA(%) | 0.58 | 0.64 | 0.64 | 0.6 | 0.62 | 0.57 | 0.55 | 0.51 | 0.51 | 0.55 |
| 净资产收益率ROE(%) | 9.7 | 10.53 | 10.42 | 10.56 | 11.97 | 11.56 | 12.26 | 12.88 | 15.2 | 19.8 |