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研報掘金丨中金:維持北京銀行“跑贏行業”評級,目標價7.38元
格隆匯 04-15 14:12
中金公司研報指出,北京銀行(601169.SH)24年歸母淨利潤同比增長0.8%;4Q24歸母淨利潤同比下降3.3%;業績符合我們預期。公司宣告2024年全年分紅比例30%,對應2024A股息率5.3%,在A股上市銀行中處於較高水平。24年規模保持較快增長,息差下行速度放緩。2024年全年日均淨息差1.47%,與1H24環比持平。公司加大高成本存款管控、提升精細化定價能力,4Q24 付息負債成本同比下降35bp、環比下降11bp。投資收益增長,與行業趨勢一致。此外,公司披露完成數字化轉型三年發展目標,即將開啓全面數字化經營2.0階段。維持當前目標價7.38元不變,維持“跑贏行業”評級。
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