常熟银行601128核心经营数据 |
4443 ℃ |
|
当前股价：7.34，市值：221
亿，动态市盈率PE：5.92，
合理估值PE：15，未来三年预期收益率：256.48%。 其中，历史营业增长率：18.01%，净利增长率：37.08%； 未来三年预估净利增长率：16.99% （24E:18.19%, 25E:16.40%, 26E:16.39%）。 |
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 股本(亿) | 27.41 | 27.41 | 27.41 | 27.41 | 27.41 | 22.63 | 22.23 | 22.23 | 20 | 15.2 |
| 净资产(亿) | 271.31 | 241.16 | 211.37 | 191.07 | 178.99 | 135.36 | 111.09 | 104.31 | 84.27 | 73.68 |
| 总负债(亿) | 3073.25 | 2637.66 | 2254.46 | 1895.78 | 1669.4 | 1531.69 | 1347.16 | 1195.51 | 1000.77 | 943.02 |
| 客户存款(亿) | 2544.53 | 2191.82 | 1875.59 | 1624.85 | 1380.79 | 1131.01 | 990.05 | 888.1 | 822.91 | 742.87 |
| 客户存款占比(%) | 82.8 | 83.1 | 83.19 | 85.71 | 82.71 | 73.84 | 73.49 | 74.29 | 82.23 | 78.78 |
| 同业存入(亿) | 105.65 | 75.5 | 55.45 | 17.68 | 29.62 | 13.23 | 5.71 | 83.96 | 53.56 | 36.14 |
| 同业存入占比(%) | 3.44 | 2.86 | 2.46 | 0.93 | 1.77 | 0.86 | 0.42 | 7.02 | 5.35 | 3.83 |
| 借款总额(亿) | 463.29 | 401.68 | 322.43 | 249.3 | 255.74 | 343.4 | 315.03 | 194.58 | 101.69 | 138.94 |
| 借款总额占比(%) | 15.08 | 15.23 | 14.3 | 13.15 | 15.32 | 22.42 | 23.38 | 16.28 | 10.16 | 14.73 |
| 经营负债(亿) | 44.01 | 26.68 | 20.24 | 13.61 | 13.86 | 40.92 | 34.74 | 29.52 | 25.82 | 23.12 |
| 经营负债占比(%) | 1.43 | 1.01 | 0.9 | 0.72 | 0.83 | 2.67 | 2.58 | 2.47 | 2.58 | 2.45 |
| 总资产(亿) | 3344.56 | 2878.81 | 2465.83 | 2086.85 | 1848.39 | 1667.04 | 1458.25 | 1299.82 | 1085.04 | 1016.7 |
| 货币资金(亿) | 59.03 | 62.11 | 67.56 | 22.7 | 28.52 | 23.25 | 22.89 | 66.84 | 40.59 | 56.67 |
| 货币资金占比(%) | 1.76 | 2.16 | 2.74 | 1.09 | 1.54 | 1.39 | 1.57 | 5.14 | 3.74 | 5.57 |
| 客户贷款(亿) | 2224.39 | 1934.33 | 1632.56 | 1320.88 | 1102.74 | 927.95 | 778.11 | 664.19 | 576.11 | 486.69 |
| 客户贷款占比(%) | 66.51 | 67.19 | 66.21 | 63.3 | 59.66 | 55.66 | 53.36 | 51.1 | 53.1 | 47.87 |
| 买入返售(亿) | - | 1 | 2.92 | - | 10.76 | 1.23 | 10.33 | - | 2 | 43.01 |
| 买入返售占比(%) | - | 0.03 | 0.12 | - | 0.58 | 0.07 | 0.71 | - | 0.18 | 4.23 |
| 应收投资(亿) | - | - | - | - | - | 116.69 | 164.66 | 129.63 | 76.69 | 37.2 |
| 应收投资占比(%) | - | - | - | - | - | 7 | 11.29 | 9.97 | 7.07 | 3.66 |
| 其他投资(亿) | 644.29 | 560.03 | 458.88 | 385.96 | 354.15 | 429.26 | 319.61 | 284.77 | 258.68 | 237.73 |
| 其他投资占比(%) | 19.26 | 19.45 | 18.61 | 18.49 | 19.16 | 25.75 | 21.92 | 21.91 | 23.84 | 23.38 |
| 经营资产(亿) | 36.18 | 28.77 | 27.19 | 23.83 | 18.66 | 14.82 | 11.02 | 10.25 | 9.1 | 7.9 |
| 经营资产占比(%) | 1.08 | 1 | 1.1 | 1.14 | 1.01 | 0.89 | 0.76 | 0.79 | 0.84 | 0.78 |
| 营业收入(亿) | 98.7 | 88.09 | 76.55 | 65.82 | 64.45 | 58.24 | 49.97 | 44.75 | 34.92 | 30.68 |
| 营业收入增长率(%) | 12.05 | 15.07 | 16.31 | 2.13 | 10.67 | 16.55 | 11.66 | 28.16 | 13.83 | 29.73 |
| 净利息收入(亿) | 85.01 | 76.11 | 66.91 | 59.66 | 56.9 | 50.99 | 43.24 | 40.14 | 31.68 | 28.16 |
| 净利息收入占比(%) | 86.13 | 86.41 | 87.41 | 90.65 | 88.29 | 87.56 | 86.54 | 89.69 | 90.72 | 91.79 |
| 手续费及佣金净收入(亿) | 0.32 | 1.88 | 2.38 | 1.48 | 3.24 | 3.67 | 4.24 | 2.98 | 0.51 | 0.38 |
| 手续费及佣金净收入占比(%) | 0.33 | 2.13 | 3.1 | 2.24 | 5.02 | 6.3 | 8.48 | 6.66 | 1.46 | 1.23 |
| 业务及管理费用(亿) | 36.39 | 33.98 | 31.69 | 28.15 | 24.65 | 21.25 | 18.55 | 16.74 | 12.09 | 10.15 |
| 成本收入比(%) | 36.87 | 38.58 | 41.4 | 42.77 | 38.24 | 36.5 | 37.13 | 37.4 | 34.63 | 33.07 |
| 资产减值损失(亿) | - | - | - | - | - | 16.79 | 14.43 | 14.44 | 9.12 | 6.18 |
| 资产减值损失占比(%) | - | - | - | - | - | 28.82 | 28.88 | 32.26 | 26.1 | 20.16 |
| 净利润(亿) | 35.07 | 29.27 | 23.41 | 19.36 | 19 | 15.85 | 13.22 | 10.55 | 9.83 | 10 |
| 净利润增长率(%) | 19.83 | 25.02 | 20.9 | 1.94 | 19.87 | 19.89 | 25.34 | 7.34 | -1.79 | 0.49 |
| 资产收益率ROA(%) | 1.13 | 1.1 | 1.03 | 0.98 | 1.08 | 1.01 | 0.96 | 0.88 | 0.94 | 1.07 |
| 净资产收益率ROE(%) | 13.69 | 12.94 | 11.63 | 10.46 | 12.09 | 12.86 | 12.27 | 11.19 | 12.45 | 14.9 |