???????????浦发银行???????????? 民生银行????????????招商银行

较期初增长


较期初增长


较期初增长


总资产
21.23%


33.05%


28.32%


净资产
55.88%


9.01%


10.06%


贷款总额
29.54%


35.71%


33.78%


存款总额
30.87%


39.92%


26.62%


存贷比例
　


　


　



　


　


　


一般准备
0.00%


0.00%


0.00%


不良贷款
-0.79%


-8.04%


0.58%


不良贷款率
-23.14%


-31.67%


-24.55%


坏账拨备
9.74%


13.88%


10.40%


坏账拨备率
10.61%


23.88%


9.77%



同比
环比

同比
环比

同比
环比

利息净收
2.11%
11.80%

-0.48%
22.68%

-18.99%
13.51%

非息净收
16.38%
-14.41%

-17.05%
-9.60%

5.46%
-7.33%


　
　

　
　

　
　

主营利润
2.89%
10.01%

-3.10%
17.43%

-15.56%
9.31%

营业税金
8.32%
-8.22%

-6.77%
12.65%

-7.02%
11.99%

业务管理费
-5.83%
86.29%

19.15%
36.97%

21.52%
7.18%

减值拨备金
13.84%
-104.04%

11.72%
-65.18%

27.33%
-101.42%


　
　

　
　

　
　

利润总额
4.97%
-9.93%

13.70%
-38.07%

-33.26%
32.35%

所得税
6.38%
-15.16%

2.61%
-24.35%

-40.30%
109.30%

净利润
4.53%
-8.17%

17.76%
-41.93%

-31.17%
18.80%

所得税率
3.59%
-5.78%

-9.74%
22.14%

-10.56%
58.14%

递延所得税
　
　

　
　

　
　

拨备前利润
5.99%
-18.24%

13.29%
-43.38%

-28.41%
-6.92%


　
　

　
　

　
　

拨备利润比
8.46%
-104.44%

-1.72%
-43.78%

90.79%
-99.98%

费用收入比
-8.49%
69.35%

22.97%
16.63%

43.90%
-1.95%

总资产利润
-26.14%
-8.33%

-11.25%
-42.86%

-47.28%
14.29%

净资产利润
-20.36%
-33.82%

12.61%
-44.13%

-34.24%
-12.73%

非息收入比
13.98%
-23.46%

-16.67%
-26.34%

30.19%
-18.36%

贷款利润率
-18.18%
-15.00%

-19.92%
-43.02%

-53.39%
-8.62%

存贷利差
-21.17%
15.29%

-29.64%
24.05%

-47.25%
12.66%

?

??? 三季度银行存贷利差实现环比增长，四季度预估环比增长10个基点，四季度净利润与三季度持平。

浦发毛估09年每股净利1.6，现价21.80元，动态市盈率13.6倍，民生H股上市后摊薄（226亿股）

09年每股收益0.58，现价7.7元，动态市盈率13.3倍。招商09年每股净利0.95元，现价17.8元，动态

市盈率18.7倍。

?