招行年報披露，銀行ETF上升
招商銀行高開，截止11:30，招商銀行升超3.5%，招商基金銀行ETF優選、富國基金銀行ETF、華夏基金銀行ETF華夏、華寶基金銀行ETF、匯添富基金銀行業ETF、華安基金銀行ETF指數基金、富國基金銀行龍頭ETF、南方基金銀行ETF基金、天弘基金銀行ETF天弘、易方達基金銀行ETF易方達、鵬華基金中證銀行ETF上升，今年以來銀行ETF升超10%。
銀行ETF跟蹤中證銀行指數，成份股囊括A股市場42只上市銀行，成分股既包括工商銀行、中國銀行、郵儲銀行等國有大行，也包括招商銀行、興業銀行、西安銀行等股份行、城商行、農商行，是分享銀行板塊行情的高效投資工具。
銀行股上升，消息面上，招商銀行昨晚發佈2023年財報，2023年淨利同比增長6.22%，擬10派19.72元，規模利潤穩中有進，現金分紅比例提升。
具體來看，2023年招商銀行營業收入3391.23億元，同比下降1.64%；歸母淨利潤1466.02億元，同比增長6.22%；淨利息收入2146.69億元，同比下降1.63%；非利息淨收入1244.54億元，同比下降1.65%。
截至2023年末，招商銀行資產總額110284.83億元，較上年末增長8.77%；貸款和墊款總額65088.65億元，較上年末增長7.56%；負債總額99427.54億元，較上年末增長8.25%；客户存款總額81554.38億元，較上年末增長8.22%。
華創證券表示，當前經濟處於轉型窗口期，盤活存量、破舊立新需要時間沉澱。融資成本下降有利於促進中長期貸款投放，加速經濟轉型升級。銀行業總體經營平穩，當前銀行股持倉佔比為歷史低位，建議把握底部佈局窗口期。2024年銀行營收端面臨息差收窄壓力，市場預期已較為充分，而負債端存款成本預計將繼續下行來緩解息差壓力。長遠看，直接融資市場發展起來，信貸增速將放緩，銀行的營收結構也將調整，利息收入佔比下降，非息收入佔比上升，息差收窄的影響將降低。考慮當前板塊持倉、估值均處歷史較低水平，我們認為，估值已經充分藴含市場對板塊基本面的悲觀預期，建議在估值底部積極佈局，短期配置打底，建議關注國有大行；長期優選商業模式優秀的銀行。
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