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研報掘金丨中金:維持寧波銀行“跑贏行業”評級 目標價30.73元
格隆匯 07-25 15:33
中金公司研報指出,寧波銀行預吿1H25歸母淨利潤同比增長8.2%,歸母淨利潤同比增長10.8%,高於該行和市場預期。公司通過鯤鵬司庫、“五管二寶”等系統解決方案推進業財一體化,通過“波波知了、設備之家、美好生活”三個線上平台切入經營全流程,以數字化能力提升大中型企業客户覆蓋面和市場份額,從而實現較快的貸款增速。數字化賦能同樣有助於客户結算性低成本存款沉澱,加之公司主動加強負債成本和期限結構管控,預計負債成本節約亦有一定貢獻。此外,公司主動提升大中型企業客户業務拓展,我們預計新投放不良生成趨勢有望逐步平穩可控。維持“跑贏行業”評級和30.73元目標價。
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