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平安银行:零售业务回升,资产质量稳定,预测一季度净利润143.60亿元,同比变动1.9%_蜘蛛资讯网

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市场利率下行等因素影响。非息收入下降,净其他非息收入降幅较大。不良率持平于1.05%,拨备覆盖率稳定在220%附近。全年计提信用及其他减值损失406亿,同比减少17.9%。分业务来说:1)零售金融业务:利润贡献回升至6.3%,结构转型持续,未来盈利贡献占比有望逐步修复。2)资产增速:较3Q末提升2.5pct,主要受非信贷类资产提振。3)存款增速:稳中有进,付息负债增速回升至2%。4)净息差:全年收

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