苏农银行603323核心经营数据 |
4350 ℃ |
|
当前股价：5.14，市值：94
亿，动态市盈率PE：4.91，
合理估值PE：15，未来三年预期收益率：298.01%。 其中，历史营业增长率：11.89%，净利增长率：14.27%； 未来三年预估净利增长率：13.18% （24E:13.65%, 25E:13.22%, 26E:12.67%）。 |
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 股本(亿) | 18.03 | 18.03 | 18.03 | 18.03 | 18.03 | 14.48 | 14.48 | 11.14 | 10.02 | 10.02 |
| 净资产(亿) | 157.97 | 143.28 | 132.68 | 121.4 | 116.25 | 95.21 | 84.73 | 78.79 | 66.6 | 61.06 |
| 总负债(亿) | 1867.68 | 1659.5 | 1454.56 | 1273 | 1143.3 | 1072.61 | 867.98 | 734.7 | 647.93 | 558.4 |
| 客户存款(亿) | 1575.98 | 1398.05 | 1226.37 | 1067.25 | 959.56 | 827.48 | 714.65 | 653.88 | 571.88 | 519.18 |
| 客户存款占比(%) | 84.38 | 84.25 | 84.31 | 83.84 | 83.93 | 77.15 | 82.33 | 89 | 88.26 | 92.98 |
| 同业存入(亿) | 38.32 | 48.34 | 18.2 | 39.25 | 24.93 | 17.94 | 0.43 | 5.19 | 0.21 | 5.08 |
| 同业存入占比(%) | 2.05 | 2.91 | 1.25 | 3.08 | 2.18 | 1.67 | 0.05 | 0.71 | 0.03 | 0.91 |
| 借款总额(亿) | 276.07 | 226.79 | 211.86 | 181.47 | 158.83 | 206.07 | 134.82 | 59.13 | 60.67 | 18.92 |
| 借款总额占比(%) | 14.78 | 13.67 | 14.57 | 14.25 | 13.89 | 19.21 | 15.53 | 8.05 | 9.36 | 3.39 |
| 经营负债(亿) | 7.13 | 7.22 | 7.41 | 8.49 | 7.37 | 18.55 | 15.19 | 13.69 | 12.28 | 12.36 |
| 经营负债占比(%) | 0.38 | 0.44 | 0.51 | 0.67 | 0.64 | 1.73 | 1.75 | 1.86 | 1.9 | 2.21 |
| 总资产(亿) | 2025.65 | 1802.78 | 1587.25 | 1394.4 | 1259.55 | 1167.82 | 952.71 | 813.48 | 714.53 | 619.45 |
| 货币资金(亿) | 56.18 | 52 | 37.66 | 39.81 | 64.4 | 54.17 | 22.55 | 59.74 | 34.61 | 39.9 |
| 货币资金占比(%) | 2.77 | 2.88 | 2.37 | 2.85 | 5.11 | 4.64 | 2.37 | 7.34 | 4.84 | 6.44 |
| 客户贷款(亿) | 1222.91 | 1090.47 | 954.23 | 787.06 | 683.95 | 593.91 | 490.85 | 454.45 | 409.94 | 380.44 |
| 客户贷款占比(%) | 60.37 | 60.49 | 60.12 | 56.44 | 54.3 | 50.86 | 51.52 | 55.87 | 57.37 | 61.42 |
| 买入返售(亿) | - | 11.89 | 35.77 | 45.52 | 40.84 | 61.81 | 56.19 | 1 | 11.34 | - |
| 买入返售占比(%) | - | 0.66 | 2.25 | 3.26 | 3.24 | 5.29 | 5.9 | 0.12 | 1.59 | - |
| 应收投资(亿) | - | - | - | - | - | 14.08 | 11.22 | - | - | - |
| 应收投资占比(%) | - | - | - | - | - | 1.21 | 1.18 | - | - | - |
| 其他投资(亿) | 345.69 | 222.15 | 177.58 | 148.86 | 141.86 | 306.23 | 243.3 | 162.27 | 141.35 | 82.89 |
| 其他投资占比(%) | 17.07 | 12.32 | 11.19 | 10.68 | 11.26 | 26.22 | 25.54 | 19.95 | 19.78 | 13.38 |
| 经营资产(亿) | 18.94 | 16.53 | 18.35 | 16.56 | 12.43 | 16.63 | 9.4 | 8.56 | 7.04 | 7.09 |
| 经营资产占比(%) | 0.94 | 0.92 | 1.16 | 1.19 | 0.99 | 1.42 | 0.99 | 1.05 | 0.99 | 1.14 |
| 营业收入(亿) | 40.46 | 40.37 | 38.34 | 37.53 | 35.21 | 31.5 | 27.26 | 23.06 | 23.68 | 24.3 |
| 营业收入增长率(%) | 0.21 | 5.3 | 2.17 | 6.59 | 11.79 | 15.54 | 18.22 | -2.64 | -2.53 | 6.4 |
| 净利息收入(亿) | 29.66 | 31.38 | 30.36 | 30.03 | 29.31 | 26.84 | 25.25 | 21.43 | 22.38 | 23.08 |
| 净利息收入占比(%) | 73.3 | 77.71 | 79.17 | 80.01 | 83.25 | 85.23 | 92.64 | 92.95 | 94.48 | 94.97 |
| 手续费及佣金净收入(亿) | 0.89 | 1.31 | 2.18 | 1.3 | 1.28 | 0.72 | 0.69 | 0.63 | 0.53 | 0.49 |
| 手续费及佣金净收入占比(%) | 2.19 | 3.25 | 5.7 | 3.46 | 3.63 | 2.29 | 2.54 | 2.73 | 2.22 | 2 |
| 业务及管理费用(亿) | 14.02 | 13.77 | 12.61 | 12.28 | 12.18 | 10.77 | 8.87 | 7.85 | 7.49 | 7.28 |
| 成本收入比(%) | 34.65 | 34.1 | 32.88 | 32.72 | 34.61 | 34.18 | 32.55 | 34.03 | 31.62 | 29.96 |
| 资产减值损失(亿) | - | - | - | - | - | 11.46 | 9.54 | 6.89 | 7.67 | 6.39 |
| 资产减值损失占比(%) | - | - | - | - | - | 36.4 | 34.99 | 29.88 | 32.4 | 26.31 |
| 净利润(亿) | 17.45 | 15.09 | 11.61 | 9.59 | 9.15 | 8.1 | 7.39 | 6.59 | 6.12 | 7.77 |
| 净利润增长率(%) | 15.67 | 29.92 | 21.13 | 4.79 | 12.94 | 9.64 | 12.13 | 7.75 | -21.26 | -20.15 |
| 资产收益率ROA(%) | 0.91 | 0.89 | 0.78 | 0.72 | 0.75 | 0.76 | 0.84 | 0.86 | 0.92 | 1.25 |
| 净资产收益率ROE(%) | 11.59 | 10.94 | 9.14 | 8.07 | 8.65 | 9 | 9.04 | 9.07 | 9.59 | 13.36 |