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民生银行2011年报分析报表
(2012-03-26 13:14:46)
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杂谈 |
分类： 民生银行 |
评论：文章转载自南迦巴瓦1999的博客，对于民生银行，很多博友的分析很专业，也很刻苦。民生银行今天公布了H股融资方案，6.65-6.86港币，16.5亿股，预计集资90亿人民币，为了防止股权被摊薄，准备增持民生银行。
| 项目 | 民生银行 | |||||||
| 经营指标 | 2010/12/31 | 一季度 | 上半年 | 二季度 | 三季度 | 四季度 | 2011年全年 | |
| 贷款总额 | 1,057,571 | 1,088,109 | 1,142,274 | 1,142,274 | 1,159,751 | 1,205,221 | 1,205,221 | |
| 存款总额 | 1,416,939 | 1,486,335 | 1,536,586 | 1,536,586 | 1,535,261 | 1,644,738 | 1,644,738 | |
| 存贷比 | 74.6% | 73.2% | 74.3% | 74.3% | 75.5% | 73.3% | 73.3% | |
| 加权风险资产总额 | 1,280,847 | 1,490,984 | 1,490,984 | 1,602,301 | 1,602,301 | |||
| 核心资本充足率 | 8.07% | 7.87% | 7.87% | |||||
| 净资产 | 105,237 | 134110 | 134,110 | |||||
| 营业收入 | 54,768 | 17,157 | 38,856 | 21,699 | 21,350 | 22,162 | 82,368 | |
| 年化营业收入/总贷款 | 5.2% | 6.3% | 6.8% | 7.6% | 7.4% | 7.4% | 6.8% | |
| 利息收入 | 70,776 | 22,972 | 51,859 | 28,887 | 32,504 | 32,918 | 117,281 | |
| 利息支出 | 24,903 | 9,568 | 22,314 | 12,746 | 15,345 | 14,801 | 52,460 | |
| 利息支出收入比 | 35.2% | 41.7% | 43.0% | 44.1% | 47.2% | 45.0% | 44.7% | |
| 手续费及佣金净收入 | 8,299 | 2,951 | 7,919 | 4,968 | 3,875 | 3,307 | 15,101 | |
| 手续费及佣金净收入/营业收入 | 15.2% | 17.2% | 20.4% | 22.9% | 18.1% | 14.9% | 18.3% | |
| 业务及管理费 | 22,426 | 5,864 | 13,235 | 7,371 | 8,333 | 9,023 | 30,591 | |
| 费用收入比 | 40.9% | 34.2% | 34.1% | 34.0% | 39.0% | 40.7% | 37.1% | |
| 拨备支出 | 5,504 | 1,788 | 4,337 | 2,549 | 1,480 | 2,559 | 8,376 | |
| 年化拨备支出/总贷款 | 0.52% | 0.66% | 0.76% | 0.89% | 0.51% | 0.85% | 0.69% | |
| 拨备前利润 | 28,480 | 10,034 | 22,788 | 12,754 | 11,494 | 11,269 | 45551 | |
| 年化拨备前利润/总贷款 | 2.7% | 3.7% | 4.0% | 4.5% | 4.0% | 3.7% | 3.8% | |
| 净利润 | 17,581 | 6,264 | 13,918 | 7,654 | 7,544 | 6,458 | 27,920 | |
| 年化净利润/总贷款 | 1.7% | 2.3% | 2.44% | 2.7% | 2.6% | 2.1% | 2.3% | |
| 估值指标 | 总市值 | 167409 | 167409 | 167409 | 167409 | 167409 | 167,409 | 167,409 |
| 总市值/年化营业收入 | 3.1 | 2.4 | 2.2 | 1.9 | 2.0 | 1.9 | 2.0 | |
| 总市值/总贷款 | 15.8% | 15.4% | 14.7% | 14.7% | 14.4% | 13.9% | 13.9% | |
| 总市值/年化拨备前利润 | 5.9 | 4.2 | 3.7 | 3.3 | 3.6 | 3.7 | 3.7 | |
| 总市值/年化净利润 | 9.52 | 6.68 | 6.01 | 5.47 | 5.55 | 6.48 | 6.00 |
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