银行利润增长归因一览(附表)-银行频道-金鱼财经网

2008 2009 2010Q3 2010E 2011E

生息资产 16.52% 26.86% 19.18% 22.82% 14.76%

息差变化 2.23% -30.53% 7.11% 3.22% 2.14%

手续费收入 1.84% 3.54% 1.16% 1.87% 1.59%

其他非息收入 5.37% 1.60% -2.34% -2.58% 0.01%

营业税金 -0.36% 0.06% 0.30% 0.24% 0.00%

业务费用 7.92% -4.90% 3.25% 2.23% -0.90%

计提拨备 -16.17% 20.26% 2.91% 4.05% 0.42%

其他营业成本和营业外收支 -0.55% 0.08% 0.51% 0.44% -0.03%

所得税率 13.65% 0.42% -0.76% -2.21% 0.00%

少数股东损益 2.38% -0.93% 0.00% 0.18% -0.02%

净利润 32.84% 16.45% 31.32% 30.26% 17.97%（资料来源：东方证券研究所）