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研報掘金丨國聯證券:工商銀行業績邊際改善,維持“買入”評級
格隆匯 04-01 14:38

國聯證券研報指出,工商銀行(601398.SH)2024年實現營業收入8218.03億元,同比-2.52%;實現歸母淨利潤3658.63億元,同比+0.51%。業績邊際改善,息差拖累邊際走弱。預計主要系存量房貸利率下調及有效融資需求不足。同時,受前期存款掛牌利率下調及同業存款整改等影響,公司存款付息率明顯改善。動態來看,2024年公司不良淨生成率爲0.43%,較上半年-3bp,不良生成壓力有所減小。撥備方面,2024年末公司撥備覆蓋率爲214.91%,較三季度末-5.39pct,整體風險抵補能力較足。後續特別國債補充資本,公司長期分紅能力有保障,維持“買入”評級。

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