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  近期北京银行(601169)发布2024年年报,证券之星财报模型分析如下:

经营业绩概览

  北京银行(601169)在2024年的年报中展示了其稳健的财务表现。截至报告期末,北京银行的营业总收入达到699.17亿元,同比上升4.81%;归母净利润为258.31亿元,同比上升0.81%;扣非净利润为259.09亿元,同比上升1.96%。从单季度数据来看,第四季度营业总收入为181.58亿元,同比上升6.99%,但归母净利润为52.13亿元,同比下降3.3%,扣非净利润为52.26亿元,同比上升2.31%。

主要财务指标

北京银行的主要财务指标表现如下:

净利率:37.03%,同比减少4.0%。每股净资产:12.73元,同比增加8.1%。每股经营性现金流:6.13元,同比增加207.9%。每股收益:1.07元,同比增加0.94%。

主营收入构成

北京银行的主营收入构成显示了其业务的多元化和区域分布特点:

公司银行业务:收入284.4亿元,占总收入的40.68%,毛利率为27.23%。个人银行业务:收入249.62亿元,占总收入的35.70%,毛利率为34.99%。资金业务:收入162.47亿元,占总收入的23.24%,毛利率高达72.22%。其他:收入2.68亿元,占总收入的0.38%。

  从地区分布来看,京津冀及环渤海地区的收入贡献最大,达到538.74亿元,占总收入的77.05%;其他地区贡献91.07亿元,占13.03%;长三角地区贡献69.36亿元,占9.92%。

财务指标变动原因

北京银行的财务指标变动主要受到以下因素的影响:

汇兑收益:变动幅度为236.92%,原因是外汇业务支出减少。资产处置收益:变动幅度为-100%,原因是2024年无此类收益。其他业务成本:变动幅度为-32.43%,原因是信用卡业务其他营业支出减少。贵金属:变动幅度为81.37%,原因是贵金属资产规模增长。其他债权投资:变动幅度为36.73%,原因是债券投资规模增长。其他权益工具投资:变动幅度为42.37%,原因是其他权益资产增长。长期股权投资:变动幅度为48.82%,原因是长期股权投资增长。其他资产:变动幅度为115.93%,原因是应收清算款项增长。其他负债:变动幅度为48.66%,原因是应付清算款项增长。

发展回顾与未来展望

  2024年,北京银行继续深化改革创新,推动高质量发展。截至报告期末,资产总额达4.22万亿元,同比增长12.61%;贷款和垫款本金总额2.21万亿元,同比增长9.65%;存款本金总额2.45万亿元,同比增长18.34%。零售AUM达1.22万亿元,同比增长17.25%;零售客户突破3070万户,同比增长163万户。

  北京银行将继续推动“二次创业”,坚持服务城乡居民、中小企业和地方经济的市场定位,致力于为客户、股东、员工和社会创造价值。银行将紧跟经济发展和技术变革,把握机遇,打造有特色的银行形象,走好新时代跨越式发展之路。

风险管理策略

  北京银行在风险管理方面采取了多项措施,包括信用风险管理、流动性风险管理、市场风险管理、操作风险管理、合规风险管理、信息科技风险管理以及声誉风险管理,确保银行的稳健运营和发展。

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