瑞丰银行601528核心经营数据 |
1636 ℃ |
|
当前股价：5.58，市值：109
亿，动态市盈率PE：5.73，
合理估值PE：0，未来三年预期收益率：-100%。 其中，历史营业增长率：7.72%，净利增长率：7%； 未来三年预估净利增长率：11.9% （24E:12.09%, 25E:11.72%, 26E:11.89%）。 |
| 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 股本(亿) | 19.62 | 15.09 | 15.09 | 13.58 | 13.58 | 13.58 | 13.58 | 13.58 | 12.94 | 11.98 |
| 净资产(亿) | 168.7 | 151.76 | 138.16 | 108.98 | 104.5 | 96.09 | 85.52 | 79.35 | 74.58 | 68.07 |
| 总负债(亿) | 1800.18 | 1444.47 | 1230.51 | 1157.58 | 994.69 | 953.69 | 983.62 | 1015.66 | 806.24 | 679.74 |
| 客户存款(亿) | 1472.3 | 1260.52 | 1023.59 | 896.43 | 805.2 | 770 | 767.42 | 696.73 | 603.49 | 548.88 |
| 客户存款占比(%) | 81.79 | 87.27 | 83.18 | 77.44 | 80.95 | 80.74 | 78.02 | 68.6 | 74.85 | 80.75 |
| 同业存入(亿) | 28.84 | 11.79 | 2.57 | 11 | 1.86 | 7.35 | 31.3 | 79.01 | 65.44 | 51.65 |
| 同业存入占比(%) | 1.6 | 0.82 | 0.21 | 0.95 | 0.19 | 0.77 | 3.18 | 7.78 | 8.12 | 7.6 |
| 借款总额(亿) | 307.89 | 175.48 | 199.48 | 248.18 | 14.71 | 150.6 | 170.22 | 222.87 | 129.59 | 71.26 |
| 借款总额占比(%) | 17.1 | 12.15 | 16.21 | 21.44 | 1.48 | 15.79 | 17.31 | 21.94 | 16.07 | 10.48 |
| 经营负债(亿) | 6.06 | 3.8 | 3.08 | 1.73 | - | 25.89 | 15.15 | 15.29 | 12.24 | 10.68 |
| 经营负债占比(%) | 0.34 | 0.26 | 0.25 | 0.15 | - | 2.71 | 1.54 | 1.51 | 1.52 | 1.57 |
| 总资产(亿) | 1968.88 | 1596.23 | 1368.68 | 1266.56 | 1099.19 | 1049.78 | 1069.15 | 1095.01 | 880.82 | 747.81 |
| 货币资金(亿) | 74.25 | 46.46 | 64.94 | 38.39 | 9.99 | 30.99 | 38.09 | 26.77 | 42.16 | 42.78 |
| 货币资金占比(%) | 3.77 | 2.91 | 4.75 | 3.03 | 0.91 | 2.95 | 3.56 | 2.44 | 4.79 | 5.72 |
| 客户贷款(亿) | 1133.82 | 1028.96 | 851.81 | 743.66 | 638.46 | 531.45 | 467.19 | 422.27 | 408.52 | 402.71 |
| 客户贷款占比(%) | 57.59 | 64.46 | 62.24 | 58.71 | 58.08 | 50.63 | 43.7 | 38.56 | 46.38 | 53.85 |
| 买入返售(亿) | 2.97 | - | 16.92 | 26.76 | 27.42 | 12.41 | 11.5 | 3.63 | 18.65 | 3.61 |
| 买入返售占比(%) | 0.15 | - | 1.24 | 2.11 | 2.49 | 1.18 | 1.08 | 0.33 | 2.12 | 0.48 |
| 应收投资(亿) | - | - | - | - | - | 83.58 | 146.18 | 119.75 | 89.17 | 10.91 |
| 应收投资占比(%) | - | - | - | - | - | 7.96 | 13.67 | 10.94 | 10.12 | 1.46 |
| 其他投资(亿) | 276.52 | 223.19 | 161.58 | 72.43 | 87.46 | 268.94 | 266.1 | 405.46 | 220.83 | 174.23 |
| 其他投资占比(%) | 14.04 | 13.98 | 11.81 | 5.72 | 7.96 | 25.62 | 24.89 | 37.03 | 25.07 | 23.3 |
| 经营资产(亿) | 11.05 | 11.18 | 9.42 | 8.22 | - | 15.49 | 7.8 | 7.71 | 7.83 | 7.81 |
| 经营资产占比(%) | 0.56 | 0.7 | 0.69 | 0.65 | - | 1.48 | 0.73 | 0.7 | 0.89 | 1.04 |
| 营业收入(亿) | 38.04 | 35.25 | 33.1 | 29 | 28.6 | 26.41 | 22.18 | 24.85 | 23.36 | 23.43 |
| 营业收入增长率(%) | 7.9 | 6.49 | 14.13 | 1.4 | 8.32 | 19.06 | -10.74 | 6.36 | -0.28 | 12.77 |
| 净利息收入(亿) | 30.54 | 31.88 | 29.96 | 28.65 | 24.22 | 22.52 | 20.71 | 23.47 | 21.89 | 21.94 |
| 净利息收入占比(%) | 80.29 | 90.45 | 90.5 | 98.79 | 84.68 | 85.3 | 93.39 | 94.46 | 93.69 | 93.64 |
| 手续费及佣金净收入(亿) | -0.13 | -0.83 | -1.33 | -1.56 | 3.12 | 1.25 | 1 | 0.67 | 0.07 | 0.02 |
| 手续费及佣金净收入占比(%) | -0.35 | -2.35 | -4.03 | -5.38 | 10.89 | 4.74 | 4.51 | 2.72 | 0.3 | 0.07 |
| 业务及管理费用(亿) | 13.19 | 11.73 | 10.66 | 9.44 | 9.29 | 8.07 | 7.99 | 8.15 | 7.37 | 6.7 |
| 成本收入比(%) | 34.69 | 33.28 | 32.21 | 32.56 | 32.47 | 30.55 | 36.01 | 32.79 | 31.53 | 28.58 |
| 资产减值损失(亿) | - | - | - | - | - | 6.24 | 3.84 | 6.6 | 5.24 | 5.73 |
| 资产减值损失占比(%) | - | - | - | - | - | 23.64 | 17.29 | 26.58 | 22.41 | 24.45 |
| 净利润(亿) | 17.49 | 15.51 | 12.95 | 10.93 | 10.38 | 9.78 | 8.15 | 7.98 | 7.49 | 7.68 |
| 净利润增长率(%) | 12.71 | 19.81 | 18.53 | 5.24 | 6.16 | 19.93 | 2.14 | 6.56 | -2.48 | -6.91 |
| 资产收益率ROA(%) | 0.98 | 1.05 | 0.98 | 0.92 | 0.97 | 0.92 | 0.75 | 0.81 | 0.92 | 1.1 |
| 净资产收益率ROE(%) | 10.92 | 10.7 | 10.48 | 10.24 | 10.35 | 10.77 | 9.89 | 10.37 | 10.5 | 11.98 |