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研報掘金丨華創證券:中信銀行具備較好投資價值,維持“推薦”評級
格隆匯 03-12 14:32

華創證券研報指出,中信銀行(601998.SH)背靠中信集團,跨境金融國際基因。中信銀行在協同能力上有兩方面的競爭優勢。1)維度一:集團綜合金融板塊內部實現“融融協同”,各子公司共享客戶資源、資金流動、信息平臺等,爲銀行重點客戶提供一站式、全生命週期的綜合金融服務。在2022 年中信金控成立後,其統籌集團內主要金融子公司股權,協同優勢進一步強化;2)維度二:集團內金融子公司與四大實業板塊實現“產融協同”,既能開展業務聯動,對接資源,也能攜手化解“單打獨鬥”時難以解決的問題,探索出產融協同風險化解新模式。在經營理念與體系重塑後,零售業務已過補短板期,目前在零售貸款、零售存款以及財富管理業務等方面均有所突破。中信銀行對公客戶基礎較爲堅實,零售業務轉型有突破,資產質量逐步卸下包袱,在中信集團金融全牌照賦能下,各項業務仍有向上發展空間。具備較好投資價值,維持“推薦”評級。

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