太平洋证券：重庆银行贷款投放提速，资产质量平稳
财中社11月18日电太平洋证券发布研报，对重庆银行（601963）三季报进行点评，公司三季度实现营收106.34亿元，同比+3.78%；实现归母净利润44.28亿元，同比+3.70%；加权平均ROE（年化）为11.43%。截至9月末，公司不良率1.26%，拨备覆盖率250.19%，资本充足率14.68%。
太平洋证券认为，重庆银行受益于成渝区位优势，国家政策战略支持，贷款投放加快，资产质量平稳。预计2024-2026年公司营业收入为135.44亿元、140.70亿元、148.75亿元，归母净利润为51.45亿元、54.81亿元、58.69亿元，每股净资产为17.59元、19.49元、21.56元，对应11月12日收盘价的市净率估值为0.51倍、0.46倍、0.42倍。首次覆盖，给予“增持”评级。
公司营收增速出现回升，报告期内营业收入达106.34亿元，同比增长3.78%，增速较年中提升1.16%，得益于净息差回升与中收高增，净息差虽同比略降但环比有回升趋势，主要靠负债端成本压降。成本端方面，成本收入比同比、环比均有所下降。同时，出于风险审慎，2024年第三季度单季计提拨备10.68亿元，同比大幅增长71.43%。资产质量保持稳定，不良率较上年末有所降低，拨备覆盖率、拨贷比均较上年末及环比有所提升，风险抵补能力不断增强。
（文章来源：财中社）
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