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研報掘金丨海通國際:維持成都銀行“優於大市”評級,目標價18.83元

海通國際研報指出,成都銀行(601838.SH)23Q1-Q3營收同比增長9.55%,歸母淨利潤同比增長20.81%,息差壓力致使業績增速放緩,盈利能力仍同比提升。公司資產規模保持快速增長,存款增速環比提升,關注類貸款佔比環比穩定,維持“優於大市”評級,給予目標價18.83元。23Q3末成都銀行不良率較23Q2環比下降1bp至0.71%,撥備覆蓋率較23Q2環比提升4.61pct至516.47%。撥貸比較23Q2略提升1bp至3.68%。關注類貸款佔比與23Q2持平,保持在0.44%的較低水平,該行認為成都銀行23Q3貸款風控把握得當。

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