财务分析☆ ◇000001 平安银行 更新日期：2026-08-08◇ 通达信沪深京F10
★本栏包括【1.主要财务指标】【2.偿债能力指标】【3.营运能力指标】【4.盈利能力指标】
【5.成长能力指标】【6.银行专项指标】【7.贷款五级分类】【8.指标变动说明】
【9.资产负债表摘要】【10.利润表摘要】【11.现金流量表摘要】【12.环比分析】
【1.主要财务指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 无保留意见│ 无保留意见│ 无保留意见│ 无保留意见│ 无保留意见│
│归母净利(未调整:万) │ 1452300.00│ 4263300.00│ 4450800.00│ 4645500.00│ 4551600.00│ 3633600.00│
│归母净利(调整后:万) │ ---│ ---│ 4450800.00│ 4645500.00│ 4551600.00│ 3633600.00│
│净利润增长率(%) │ 3.03│ -4.21│ -4.19│ 2.06│ 25.26│ 25.61│
│扣非净利润(万) │ 1448800.00│ 4262400.00│ 4483800.00│ 4643100.00│ 4540700.00│ 3623000.00│
│营业总收(未调整:万) │ 3527700.00│ 13144200.00│ 14669500.00│ 16469900.00│ 17989500.00│ 16938300.00│
│营业总收(调整后:万) │ ---│ ---│ 14669500.00│ 16469900.00│ 17989500.00│ 16938300.00│
│总营收同比增长率(%) │ 4.65│ -10.40│ -10.93│ -8.45│ 6.21│ 10.32│
│加权净资产收益率(%) │ 2.83│ 9.15│ 10.08│ 11.38│ 12.36│ 10.85│
│资产负债比率(%) │ 90.98│ 90.70│ 91.42│ 91.55│ 91.83│ 91.96│
│净利润现金含量(%) │ 260.29│ 740.88│ 142.30│ 199.03│ 295.66│ -530.42│
│基本每股收益(元) │ 0.6700│ 2.0700│ 2.1500│ 2.2500│ 2.2000│ 1.7300│
│每股收益-扣除(元) │ 0.6700│ 2.0700│ 2.1600│ 2.2500│ 2.1900│ 1.7200│
│每股收益-摊薄(元) │ 0.7484│ 2.1969│ 2.2935│ 2.3938│ 2.3455│ 1.8724│
│每股资本公积金(元) │ 4.1533│ 4.1555│ 4.1592│ 4.1617│ 4.1645│ 4.1645│
│每股未分配利润(元) │ 14.6199│ 13.9538│ 12.5531│ 11.4014│ 9.6004│ 7.9551│
│每股净资产(元) │ 23.9100│ 23.2500│ 21.8900│ 20.7400│ 18.8000│ 16.7700│
│每股经营现金流量(元)│ 1.9500│ 16.2800│ 3.2600│ 4.7600│ 6.9300│ -9.9300│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 无保留意见│ 未经审计│ 未经审计│ 未经审计│ 无保留意见│
│归母净利(未调整:万) │ 1452300.00│ 4263300.00│ 3833900.00│ 2487000.00│ 1409600.00│ 4450800.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 1409600.00│ 4450800.00│
│净利润增长率(%) │ 3.03│ -4.21│ -3.50│ -3.90│ -5.60│ -4.19│
│扣非净利润(万) │ 1448800.00│ 4262400.00│ 3826900.00│ 2493000.00│ 1404300.00│ 4483800.00│
│营业总收(未调整:万) │ 3527700.00│ 13144200.00│ 10066800.00│ 6938500.00│ 3370900.00│ 14669500.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 3370900.00│ 14669500.00│
│总营收同比增长率(%) │ 4.65│ -10.40│ -9.78│ -10.04│ -13.05│ -10.93│
│加权净资产收益率(%) │ 2.83│ 9.15│ 8.28│ 5.25│ 2.80│ 10.08│
│资产负债比率(%) │ 90.98│ 90.70│ 91.02│ 91.32│ 91.24│ 91.42│
│净利润现金含量(%) │ 260.29│ 740.88│ 187.23│ 702.38│ 1155.97│ 142.30│
│基本每股收益(元) │ 0.6700│ 2.0700│ 1.8700│ 1.1800│ 0.6200│ 2.1500│
│每股收益-扣除(元) │ 0.6700│ 2.0700│ 1.8700│ 1.1800│ 0.6200│ 2.1600│
│每股收益-摊薄(元) │ 0.7484│ 2.1969│ 1.9756│ 1.2816│ 0.7264│ 2.2935│
│每股资本公积金(元) │ 4.1533│ 4.1555│ 4.1553│ 4.1586│ 4.1590│ 4.1592│
│每股未分配利润(元) │ 14.6199│ 13.9538│ 13.8126│ 13.3571│ 13.1723│ 12.5531│
│每股净资产(元) │ 23.9100│ 23.2500│ 23.0800│ 22.6800│ 22.4800│ 21.8900│
│每股经营现金流量(元)│ 1.9500│ 16.2800│ 3.7000│ 9.0000│ 8.4000│ 3.2600│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【2.偿债能力指标】
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 90.98│ 90.70│ 91.42│ 91.55│ 91.83│ 91.96│
│产权比率 │ 10.09│ 9.75│ 10.66│ 10.83│ 11.24│ 11.45│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 90.98│ 90.70│ 91.02│ 91.32│ 91.24│ 91.42│
│产权比率 │ 10.09│ 9.75│ 10.13│ 10.52│ 10.42│ 10.66│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
【3.营运能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│应收账款周转率 │ ---│ ---│ ---│ ---│ ---│ ---│
│存货周转率 │ ---│ ---│ ---│ ---│ ---│ ---│
│流动资产周转率 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产周转率 │ 3.20│ 13.28│ 15.90│ 15.76│ 15.60│ 14.81│
│总资产周转率 │ 0.01│ 0.02│ 0.03│ 0.03│ 0.04│ 0.04│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│应收账款周转率 │ ---│ ---│ ---│ ---│ ---│ ---│
│存货周转率 │ ---│ ---│ ---│ ---│ ---│ ---│
│流动资产周转率 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产周转率 │ 3.20│ 13.28│ 12.16│ 8.26│ 3.96│ 15.90│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.01│ 0.01│ 0.03│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.67│ 7.73│ 8.99│ 9.84│ 10.47│ 9.19│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 49.29│ 39.11│ 37.63│ 35.17│ 31.95│ 27.15│
│销售净利率 │ 41.17│ 32.43│ 30.34│ 28.21│ 25.30│ 21.45│
│总资产净利率 │ 0.24│ 0.73│ 0.78│ 0.85│ 0.89│ 0.77│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.67│ 7.73│ 7.40│ 4.88│ 2.79│ 8.99│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 49.29│ 39.11│ 45.79│ 43.38│ 50.16│ 37.63│
│销售净利率 │ 41.17│ 32.43│ 38.08│ 35.84│ 41.82│ 30.34│
│总资产净利率 │ 0.24│ 0.73│ 0.66│ 0.43│ 0.24│ 0.78│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【5.成长能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 4.65│ -10.40│ -10.93│ -8.45│ 6.21│ 10.32│
│营业利润增长率 │ 2.83│ -6.88│ -4.70│ 0.79│ 24.99│ 24.59│
│净利润增长率 │ 3.03│ -4.21│ -4.19│ 2.06│ 25.26│ 25.61│
│净资产增长率 │ -1.29│ 11.39│ 4.77│ 8.66│ 9.92│ 8.60│
│总资产增长率 │ 1.83│ 2.71│ 3.26│ 4.99│ 8.13│ 10.13│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 4.65│ -10.40│ -9.78│ -10.04│ -13.05│ -10.93│
│营业利润增长率 │ 2.83│ -6.88│ -3.70│ -6.19│ -8.86│ -4.70│
│净利润增长率 │ 3.03│ -4.21│ -3.50│ -3.90│ -5.60│ -4.19│
│净资产增长率 │ -1.29│ 11.39│ 4.67│ 3.08│ 2.28│ 4.77│
│总资产增长率 │ 1.83│ 2.71│ -0.04│ 1.83│ 0.15│ 3.26│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【6.银行专项指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 6389.93亿│ 6437.44亿│ 5827.13亿│ 5607.73亿│ 5170.37亿│ 4758.44亿│
│核心一级资本净额(元)│ 4516.22亿│ 4372.92亿│ 4053.33亿│ 3848.86亿│ 3434.09亿│ 3065.49亿│
│风险加权资产(元) │ 47465.90亿│ 46743.38亿│ 44451.17亿│ 41740.44亿│ 39751.82亿│ 35664.65亿│
│存款总额(元) │ 37021.53亿│ 35827.55亿│ 35336.78亿│ 34072.95亿│ 33126.84亿│ 29618.19亿│
│贷款总额(元) │ 34645.74亿│ 33908.40亿│ 33741.03亿│ 34075.09亿│ 33291.61亿│ 30634.48亿│
│不良贷款(元) │ 363.95亿│ 357.03亿│ 357.38亿│ 360.36亿│ 348.61亿│ 312.75亿│
│存贷比例% │ 92.63│ 93.54│ 94.16│ 98.82│ 99.64│ 102.79│
│资本充足率% │ 13.46│ 13.77│ 13.11│ 13.43│ 13.01│ 13.34│
│核心一级资本充足率% │ 9.51│ 9.36│ 9.12│ 9.22│ 8.64│ 8.60│
│不良贷款率% │ 1.05│ 1.05│ 1.06│ 1.06│ 1.05│ 1.02│
│不良贷款拨备覆盖率% │ 219.59│ 220.88│ 250.71│ 277.63│ 290.28│ 288.42│
│净利差% │ 1.79│ 1.76│ 1.83│ 2.31│ 2.67│ 2.74│
│净息差% │ 1.79│ 1.78│ 1.87│ 2.38│ 2.75│ 2.79│
│成本收入比% │ 26.96│ 29.06│ 27.66│ 27.90│ 27.45│ 28.30│
│非利息收入占营业收入│ 37.41│ 33.03│ 36.31│ 28.36│ 27.66│ 28.96│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 3.24│ 3.43│ 3.97│ 4.58│ 4.83│ 4.95│
│计息负债平均成本率% │ 1.45│ 1.67│ 2.14│ 2.27│ 2.16│ 2.21│
│单一最大客户贷款比例│ ---│ 1.64│ 1.56│ 2.58│ 2.74│ 2.25│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 11.47│ 11.40│ 12.77│ 13.93│ 12.66│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 63.14│ 68.36│ 67.17│ 54.16│ 53.98│
│人民币)% │ │ │ │ │ │ │
│拆入资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
│拆出资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 6389.93亿│ 6437.44亿│ 6132.74亿│ 6030.02亿│ 5961.48亿│ 5827.13亿│
│核心一级资本净额(元)│ 4516.22亿│ 4372.92亿│ 4333.85亿│ 4235.78亿│ 4174.71亿│ 4053.33亿│
│风险加权资产(元) │ 47465.90亿│ 46743.38亿│ 45504.00亿│ 45478.80亿│ 44365.27亿│ 44451.17亿│
│存款总额(元) │ 37021.53亿│ 35827.55亿│ 35549.55亿│ 36944.71亿│ 36671.08亿│ 35336.78亿│
│贷款总额(元) │ 34645.74亿│ 33908.40亿│ 34177.53亿│ 34084.98亿│ 34117.13亿│ 33741.03亿│
│不良贷款(元) │ 363.95亿│ 357.03亿│ 358.91亿│ 358.69亿│ 360.43亿│ 357.38亿│
│存贷比例% │ 92.63│ 93.54│ 94.96│ 91.08│ 91.84│ 94.16│
│资本充足率% │ 13.46│ 13.77│ 13.48│ 13.26│ 13.44│ 13.11│
│核心一级资本充足率% │ 9.51│ 9.36│ 9.52│ 9.31│ 9.41│ 9.12│
│不良贷款率% │ 1.05│ 1.05│ 1.05│ 1.05│ 1.06│ 1.06│
│不良贷款拨备覆盖率% │ 219.59│ 220.88│ 229.60│ 238.48│ 236.53│ 250.71│
│净利差% │ 1.79│ 1.76│ 1.77│ 1.76│ 1.78│ 1.83│
│净息差% │ 1.79│ 1.78│ 1.79│ 1.80│ 1.83│ 1.87│
│成本收入比% │ 26.96│ 29.06│ 27.47│ 27.68│ 26.86│ 27.66│
│非利息收入占营业收入│ 37.41│ 33.03│ ---│ 35.86│ ---│ 36.31│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 3.24│ 3.43│ 3.50│ 3.55│ 3.62│ 3.97│
│计息负债平均成本率% │ 1.45│ 1.67│ 1.73│ 1.79│ 1.84│ 2.14│
│单一最大客户贷款比例│ ---│ 1.64│ ---│ 1.66│ ---│ 1.56│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 11.47│ ---│ 11.43│ ---│ 11.40│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 63.14│ ---│ 62.30│ ---│ 68.36│
│人民币)% │ │ │ │ │ │ │
│拆入资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
│拆出资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【7.贷款五级分类】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 33665.12亿│ 32958.09亿│ 32734.05亿│ 33117.41亿│ 32337.08亿│ 29887.59亿│
│关注类(元) │ 616.67亿│ 593.28亿│ 649.60亿│ 597.32亿│ 605.92亿│ 434.14亿│
│次级类(元) │ 173.20亿│ 175.61亿│ 157.07亿│ 191.33亿│ 189.00亿│ 179.71亿│
│可疑类(元) │ 122.41亿│ 109.24亿│ 135.31亿│ 107.63亿│ 97.03亿│ 73.90亿│
│损失类(元) │ 68.34亿│ 72.18亿│ 65.00亿│ 61.40亿│ 62.58亿│ 59.14亿│
│贷款合计(元) │ 34645.74亿│ 33908.40亿│ 33741.03亿│ 34075.09亿│ 33291.61亿│ 30634.48亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 2.62│ 2.89│ 2.76│ 3.80│ 3.19│
│关注类贷款迁徙率% │ ---│ 48.25│ 45.49│ 41.23│ 16.93│ 20.28│
│次级类贷款迁徙率% │ ---│ 72.02│ 74.50│ 80.18│ 42.08│ 7.21│
│可疑类贷款迁徙率% │ ---│ 72.31│ 76.09│ 85.89│ 70.07│ 92.58│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 33665.12亿│ 32958.09亿│ 33225.32亿│ 33126.75亿│ 33149.40亿│ 32734.05亿│
│关注类(元) │ 616.67亿│ 593.28亿│ 593.30亿│ 599.54亿│ 607.30亿│ 649.60亿│
│次级类(元) │ 173.20亿│ 175.61亿│ 172.36亿│ 179.95亿│ 165.63亿│ 157.07亿│
│可疑类(元) │ 122.41亿│ 109.24亿│ 118.75亿│ 104.51亿│ 138.26亿│ 135.31亿│
│损失类(元) │ 68.34亿│ 72.18亿│ 67.80亿│ 74.23亿│ 56.54亿│ 65.00亿│
│贷款合计(元) │ 34645.74亿│ 33908.40亿│ 34177.53亿│ 34084.98亿│ 34117.13亿│ 33741.03亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 2.62│ ---│ 1.43│ ---│ 2.89│
│关注类贷款迁徙率% │ ---│ 48.25│ ---│ 37.40│ ---│ 45.49│
│次级类贷款迁徙率% │ ---│ 72.02│ ---│ 66.07│ ---│ 74.50│
│可疑类贷款迁徙率% │ ---│ 72.31│ ---│ 71.31│ ---│ 76.09│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【8.指标变动说明】
截止日期:2026-03-31
┌──────┬────────┬──────┬────────┬──────┐
│变动科目 │变动原因 │本期数值(万)│ 上期/期初数(万)│ 变动幅度(%)│
├──────┼────────┼──────┼────────┼──────┤
│买入返售金融│买入返售债券规模│ 2653000.00│ 5952600.00│ -55.43│
│资产 │减少 │ │ │ │
│其他资产 │应收清算款增加 │ 3448900.00│ 2041200.00│ 68.96│
│向中央银行借│基于期末人民币头│ 9177400.00│ 22353700.00│ -58.94│
│款 │寸情况，向中央银│ │ │ │
│ │行融入资金减少 │ │ │ │
│卖出回购金融│卖出回购债券规模│ 11182300.00│ 8085600.00│ 38.30│
│资产款 │增加 │ │ │ │
│应交税费 │应交企业所得税增│ 797000.00│ 550100.00│ 44.88│
│ │加 │ │ │ │
│其他综合收益│基期数小，上年末│ 6400.00│ 13600.00│ -52.94│
│ │为1.36亿元 │ │ │ │
│投资收益 │交易性金融资产投│ 451100.00│ 677000.00│ -33.37│
│ │资收益减少 │ │ │ │
│公允价值变动│交易性金融工具公│ 116800.00│ -308000.00│ 137.92│
│损益 │允价值变动增加 │ │ │ │
│汇兑损益 │汇率波动等因素影│ 5700.00│ 40400.00│ -85.89│
│ │响 │ │ │ │
│其他业务收入│基期数小，上年同│ 6200.00│ 12600.00│ -50.79│
│ │期为1.26亿元 │ │ │ │
│资产处置损益│基期数小，上年同│ ---│ 6500.00│ -100.00│
│ │期为0.65亿元 │ │ │ │
│营业外收入 │基期数小，上年同│ 1200.00│ 2000.00│ -40.00│
│ │期为0.20亿元 │ │ │ │
│营业外支出 │基期数小，上年同│ 200.00│ -4700.00│ 104.26│
│ │期为0.47亿元 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
截止日期:2025-12-31
┌──────┬────────┬──────┬────────┬──────┐
│变动科目 │变动原因 │本期数值(万)│ 上期/期初数(万)│ 变动幅度(%)│
├──────┼────────┼──────┼────────┼──────┤
│现金及存放中│--- │ 25422500.00│ 26897300.00│ -5.48│
│央银行款项 │ │ │ │ │
│存放同业款项│--- │ 14370500.00│ 13209000.00│ 8.79│
│贵金属 │根据市场变化，黄│ 3085000.00│ 1262000.00│ 144.45│
│ │金业务规模增加 │ │ │ │
│拆出资金及买│--- │ 33331700.00│ 29997100.00│ 11.12│
│入返售金融资│ │ │ │ │
│产 │ │ │ │ │
│投资性房地产│--- │ 28900.00│ 29800.00│ -3.02│
│固定资产 │--- │ 1115500.00│ 863400.00│ 29.20│
│使用权资产 │--- │ 400100.00│ 504800.00│ -20.74│
│无形资产 │--- │ 576000.00│ 623800.00│ -7.66│
│商誉 │--- │ 756800.00│ 756800.00│ 0.00│
│递延所得税资│--- │ 5025900.00│ 5232900.00│ -3.96│
│产 │ │ │ │ │
│其他资产 │--- │ 2041200.00│ 1896200.00│ 7.65│
│资产总额 │--- │592577700.00│ 576927000.00│ 2.71│
│利息净收入 │--- │ 8802100.00│ 9342700.00│ -5.79│
│利息收入小计│--- │ 16986300.00│ 19838100.00│ -14.38│
│利息支出小计│--- │ 8184200.00│ 10495400.00│ -22.02│
│非利息净收入│--- │ 4342100.00│ 5326800.00│ -18.49│
│手续费及佣金│--- │ 2389400.00│ 2411200.00│ -0.90│
│净收入 │ │ │ │ │
│营业收入总额│--- │ 13144200.00│ 14669500.00│ -10.40│
│经营活动产生│向中央银行借款净│ 31585800.00│ 6333600.00│ 398.70│
│的现金流量净│现金流入增加 │ │ │ │
│额 │ │ │ │ │
│投资活动产生│投资支付的现金增│ -7903600.00│ -3185900.00│ -148.08│
│的现金流量净│加 │ │ │ │
│额 │ │ │ │ │
│筹资活动产生│发行和偿还同业存│-14923600.00│ -7393300.00│ -101.85│
│的现金流量净│单的现金流量净额│ │ │ │
│额 │减少 │ │ │ │
│吸收存款 │--- │363356900.00│ 359231300.00│ 1.15│
│向中央银行借│基于期末人民币头│ 22353700.00│ 8611000.00│ 159.59│
│款 │寸情况，向中央银│ │ │ │
│ │行融入资金增加 │ │ │ │
│同业及其他金│--- │ 56537000.00│ 44787700.00│ 26.23│
│融机构存放款│ │ │ │ │
│项 │ │ │ │ │
│拆入资金 │--- │ 5336700.00│ 5564100.00│ -4.09│
│交易性金融负│债券借贷业务规模│ 18603100.00│ 13735600.00│ 35.44│
│债 │增加 │ │ │ │
│衍生金融负债│市场波动影响，业│ 2739100.00│ 6455300.00│ -57.57│
│ │务规模下降 │ │ │ │
│卖出回购金融│卖出回购债券规模│ 8085600.00│ 13118100.00│ -38.36│
│资产款 │减少 │ │ │ │
│应付职工薪酬│--- │ 1495900.00│ 1616300.00│ -7.45│
│应交税费 │2024年度企业所得│ 550100.00│ 1417200.00│ -61.18│
│ │税汇算清缴后，应│ │ │ │
│ │交企业所得税减少│ │ │ │
│已发行债务证│--- │ 54453400.00│ 69520000.00│ -21.67│
│券 │ │ │ │ │
│租赁负债 │--- │ 425500.00│ 541000.00│ -21.35│
│预计负债 │--- │ 522100.00│ 582800.00│ -10.42│
│其他负债 │应付清算款增加 │ 3000200.00│ 2262400.00│ 32.61│
│负债总额 │--- │537459300.00│ 527442800.00│ 1.90│
│吸收存款本金│--- │358275500.00│ 353367800.00│ 1.39│
│吸收存款应计│--- │ 5081400.00│ 5863500.00│ -13.34│
│利息 │ │ │ │ │
│衍生金融资产│市场波动影响，业│ 2815700.00│ 6541200.00│ -56.95│
│ │务规模下降 │ │ │ │
│买入返售金融│买入返售债券规模│ 5952600.00│ 3271900.00│ 81.93│
│资产 │增加 │ │ │ │
│其他权益工具│本年新发行的无固│ 9995300.00│ 6994800.00│ 42.90│
│ │定期限资本债券 │ │ │ │
│其他综合收益│其他债权投资公允│ 13600.00│ 212700.00│ -93.61│
│ │价值变动减少 │ │ │ │
│公允价值变动│交易性金融工具公│ -251800.00│ 310400.00│ -181.12│
│损益 │允价值变动损益减│ │ │ │
│ │少 │ │ │ │
│资产处置损益│基期数小，上年为│ 25200.00│ 800.00│ 3050.00│
│ │0.08亿元 │ │ │ │
│其他收益 │基期数小，上年为│ 6500.00│ 17800.00│ -63.48│
│ │1.78亿元 │ │ │ │
│其他资产减值│基期数小，上年为│ 16000.00│ 48900.00│ -67.28│
│损失 │4.89亿元 │ │ │ │
│营业外支出 │基期数小，上年为│ 28100.00│ 50500.00│ -44.36│
│ │5.05亿元 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【9.资产负债表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│现金及存放中央银行款│ 26014500.00│ 25422500.00│ 26897300.00│ 27466300.00│ 28527700.00│ 31203300.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 12785100.00│ 14370500.00│ 13209000.00│ 9359700.00│ 9832900.00│ 7821500.00│
│发放贷款及垫款 │339353500.00│332038600.00│329405300.00│332011000.00│324225800.00│298475300.00│
│拆出资金 │ 25828500.00│ 27379100.00│ 26725200.00│ 22070700.00│ 13392100.00│ 9447300.00│
│贵金属 │ 2516700.00│ 3085000.00│ 1262000.00│ 968000.00│ 1655500.00│ 1782000.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 79958300.00│ 78196100.00│ 78507500.00│ 77246700.00│ 73185000.00│ 73816600.00│
│其他债权投资 │ 15187200.00│ 16390400.00│ 17665500.00│ 16193100.00│ 17223300.00│ 15242800.00│
│其他权益工具投资 │ 469300.00│ 472700.00│ 577300.00│ 621400.00│ 638000.00│ 259200.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 1087900.00│ 1115500.00│ 863400.00│ 981400.00│ 1108300.00│ 1197400.00│
│商誉 │ 756800.00│ 756800.00│ 756800.00│ 756800.00│ 756800.00│ 756800.00│
│资产总计 │603396200.00│592577700.00│576927000.00│558711600.00│532151400.00│492138000.00│
│向中央银行借款 │ 9177400.00│ 22353700.00│ 8611000.00│ 20878300.00│ 19191600.00│ 14816200.00│
│同业及其他金融机构存│ 65039000.00│ 56537000.00│ 44787700.00│ 46779100.00│ 40727800.00│ 34513100.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 6918300.00│ 5336700.00│ 5564100.00│ 4905900.00│ 5328200.00│ 3239400.00│
│吸收存款 │374968200.00│363356900.00│359231300.00│345828700.00│335226600.00│299051800.00│
│卖出回购金融资产款 │ 11182300.00│ 8085600.00│ 13118100.00│ 5815200.00│ 1330300.00│ 4770300.00│
│负债合计 │548987900.00│537459300.00│527442800.00│511478800.00│488683400.00│452593200.00│
│实收资本(或股本) │ 1940600.00│ 1940600.00│ 1940600.00│ 1940600.00│ 1940600.00│ 1940600.00│
│资本公积 │ 8059800.00│ 8064200.00│ 8071300.00│ 8076100.00│ 8081600.00│ 8081600.00│
│盈余公积 │ 1078100.00│ 1078100.00│ 1078100.00│ 1078100.00│ 1078100.00│ 1078100.00│
│未分配利润 │ 28371400.00│ 27078800.00│ 24360500.00│ 22125500.00│ 18630500.00│ 15437700.00│
│归属于母公司所有者权│ 54408300.00│ 55118400.00│ 49484200.00│ 47232800.00│ 43468000.00│ 39544800.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ ---│ ---│ ---│ ---│ ---│ ---│
│股东权益合计 │ 54408300.00│ 55118400.00│ 49484200.00│ 47232800.00│ 43468000.00│ 39544800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│现金及存放中央银行款│ 26014500.00│ 25422500.00│ 26392600.00│ 26447400.00│ 29106000.00│ 26897300.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 12785100.00│ 14370500.00│ 12938800.00│ 13851100.00│ 17479500.00│ 13209000.00│
│发放贷款及垫款 │339353500.00│332038600.00│334459900.00│333231900.00│333626500.00│329405300.00│
│拆出资金 │ 25828500.00│ 27379100.00│ 23466600.00│ 27690500.00│ 26960600.00│ 26725200.00│
│贵金属 │ 2516700.00│ 3085000.00│ 1724800.00│ 974300.00│ 1067000.00│ 1262000.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 79958300.00│ 78196100.00│ 76494000.00│ 75137200.00│ 77763400.00│ 78507500.00│
│其他债权投资 │ 15187200.00│ 16390400.00│ 15588000.00│ 18061200.00│ 17345300.00│ 17665500.00│
│其他权益工具投资 │ 469300.00│ 472700.00│ 528900.00│ 542100.00│ 562500.00│ 577300.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ 0.00│ ---│
│固定资产 │ 1087900.00│ 1115500.00│ 792800.00│ 816300.00│ 839900.00│ 863400.00│
│商誉 │ 756800.00│ 756800.00│ 756800.00│ 756800.00│ 756800.00│ 756800.00│
│资产总计 │603396200.00│592577700.00│576676400.00│587496100.00│577785800.00│576927000.00│
│向中央银行借款 │ 9177400.00│ 22353700.00│ 11157300.00│ 21422800.00│ 14841700.00│ 8611000.00│
│同业及其他金融机构存│ 65039000.00│ 56537000.00│ 47205300.00│ 54509900.00│ 52129200.00│ 44787700.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 6918300.00│ 5336700.00│ 6565300.00│ 5310200.00│ 4823800.00│ 5564100.00│
│吸收存款 │374968200.00│363356900.00│360840100.00│375164100.00│372429900.00│359231300.00│
│卖出回购金融资产款 │ 11182300.00│ 8085600.00│ 9929800.00│ 5100900.00│ 7076900.00│ 13118100.00│
│负债合计 │548987900.00│537459300.00│524883400.00│536489900.00│527174600.00│527442800.00│
│实收资本(或股本) │ 1940600.00│ 1940600.00│ 1940600.00│ 1940600.00│ 1940600.00│ 1940600.00│
│资本公积 │ 8059800.00│ 8064200.00│ 8063700.00│ 8070200.00│ 8070900.00│ 8071300.00│
│盈余公积 │ 1078100.00│ 1078100.00│ 1078100.00│ 1078100.00│ 1078100.00│ 1078100.00│
│未分配利润 │ 28371400.00│ 27078800.00│ 26804700.00│ 25920700.00│ 25562100.00│ 24360500.00│
│归属于母公司所有者权│ 54408300.00│ 55118400.00│ 51793000.00│ 51006200.00│ 50611200.00│ 49484200.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ ---│ ---│ ---│ ---│ 0.00│ ---│
│股东权益合计 │ 54408300.00│ 55118400.00│ 51793000.00│ 51006200.00│ 50611200.00│ 49484200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【10.利润表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 3527700.00│ 13144200.00│ 14669500.00│ 16469900.00│ 17989500.00│ 16938300.00│
│利息净收入 │ 2208100.00│ 8802100.00│ 9342700.00│ 11799100.00│ 13013000.00│ 12033600.00│
│手续费及佣金净收入 │ 736200.00│ 2389400.00│ 2411200.00│ 2943000.00│ 3020800.00│ 3306200.00│
│投资收益 │ 451100.00│ 2047400.00│ 2460400.00│ 1605400.00│ 1324300.00│ 1224300.00│
│公允价值变动收益 │ 116800.00│ -251800.00│ 310400.00│ -35400.00│ 124000.00│ 208000.00│
│汇兑收益 │ 5700.00│ 96000.00│ 88000.00│ 66200.00│ 454800.00│ 132000.00│
│营业支出 │ 1788800.00│ 8003400.00│ 9148900.00│ 10677100.00│ 12242000.00│ 12339800.00│
│营业税金及附加 │ 39700.00│ 127100.00│ 147900.00│ 171800.00│ 172700.00│ 164400.00│
│业务及管理费 │ 951200.00│ 3819600.00│ 4058200.00│ 4595900.00│ 4938700.00│ 4793700.00│
│资产减值损失 │ ---│ 16000.00│ 48900.00│ 7700.00│ -3500.00│ 119800.00│
│营业利润 │ 1738900.00│ 5140800.00│ 5520600.00│ 5792800.00│ 5747500.00│ 4598500.00│
│营业外收入 │ 1200.00│ 3200.00│ 3700.00│ 4900.00│ 6400.00│ 15800.00│
│营业外支出 │ 200.00│ 28100.00│ 50500.00│ 25900.00│ 28600.00│ 26400.00│
│利润总额 │ 1739900.00│ 5115900.00│ 5473800.00│ 5771800.00│ 5725300.00│ 4587900.00│
│所得税 │ 287600.00│ 852600.00│ 1023000.00│ 1126300.00│ 1173700.00│ 954300.00│
│净利润 │ 1452300.00│ 4263300.00│ 4450800.00│ 4645500.00│ 4551600.00│ 3633600.00│
│归属母公司净利润 │ 1452300.00│ 4263300.00│ 4450800.00│ 4645500.00│ 4551600.00│ 3633600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 3527700.00│ 13144200.00│ 10066800.00│ 6938500.00│ 3370900.00│ 14669500.00│
│利息净收入 │ 2208100.00│ 8802100.00│ 6655300.00│ 4450700.00│ 2278800.00│ 9342700.00│
│手续费及佣金净收入 │ 736200.00│ 2389400.00│ 1868500.00│ 1273900.00│ 659300.00│ 2411200.00│
│投资收益 │ 451100.00│ 2047400.00│ 1627500.00│ 1273000.00│ 677000.00│ 2460400.00│
│公允价值变动收益 │ 116800.00│ -251800.00│ -238200.00│ -166500.00│ -308000.00│ 310400.00│
│汇兑收益 │ 5700.00│ 96000.00│ 99400.00│ 76700.00│ 40400.00│ 88000.00│
│营业支出 │ 1788800.00│ 8003400.00│ 5457100.00│ 3928300.00│ 1679900.00│ 9148900.00│
│营业税金及附加 │ 39700.00│ 127100.00│ 93300.00│ 62700.00│ 31400.00│ 147900.00│
│业务及管理费 │ 951200.00│ 3819600.00│ 2764900.00│ 1920600.00│ 905500.00│ 4058200.00│
│资产减值损失 │ ---│ 16000.00│ 14800.00│ 6500.00│ ---│ 48900.00│
│营业利润 │ 1738900.00│ 5140800.00│ 4609700.00│ 3010200.00│ 1691000.00│ 5520600.00│
│营业外收入 │ 1200.00│ 3200.00│ 2900.00│ 2500.00│ 2000.00│ 3700.00│
│营业外支出 │ 200.00│ 28100.00│ 20600.00│ 19500.00│ 4700.00│ 50500.00│
│利润总额 │ 1739900.00│ 5115900.00│ 4592000.00│ 2993200.00│ 1688300.00│ 5473800.00│
│所得税 │ 287600.00│ 852600.00│ 758100.00│ 506200.00│ 278700.00│ 1023000.00│
│净利润 │ 1452300.00│ 4263300.00│ 3833900.00│ 2487000.00│ 1409600.00│ 4450800.00│
│归属母公司净利润 │ 1452300.00│ 4263300.00│ 3833900.00│ 2487000.00│ 1409600.00│ 4450800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【11.现金流量表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │ 33035100.00│ 62535800.00│ 53080700.00│ 52903500.00│ 77777800.00│ 48604800.00│
│经营活动现金流出 │ 29254900.00│ 30950000.00│ 46747100.00│ 43657400.00│ 64320600.00│ 67878100.00│
│经营活动现金流量净额│ 3780200.00│ 31585800.00│ 6333600.00│ 9246100.00│ 13457200.00│-19273300.00│
│投资活动现金流入 │ 18088500.00│ 89496000.00│ 64687700.00│ 44072500.00│ 53063200.00│ 51973600.00│
│投资活动现金流出 │ 23440200.00│ 97399600.00│ 67873600.00│ 46686700.00│ 51277400.00│ 56019100.00│
│投资活动现金流量净额│ -5351700.00│ -7903600.00│ -3185900.00│ -2614200.00│ 1785800.00│ -4045500.00│
│筹资活动现金流入 │ 11897000.00│ 72593500.00│ 73399700.00│ 93341600.00│ 67918900.00│111279900.00│
│筹资活动现金流出 │ 15460400.00│ 87517100.00│ 80793000.00│ 92532700.00│ 84059400.00│ 93173500.00│
│筹资活动现金流量净额│ -3563400.00│-14923600.00│ -7393300.00│ 808900.00│-16140500.00│ 18106400.00│
│汇率变动对现金的影响│ -84600.00│ -189700.00│ 118300.00│ 148500.00│ 607900.00│ -160400.00│
│现金及等价物净增加额│ -5219500.00│ 8568900.00│ -4127300.00│ 7589300.00│ -289600.00│ -5372800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │ 33035100.00│ 62535800.00│ 32064500.00│ 53018800.00│ 41605500.00│ 53080700.00│
│经营活动现金流出 │ 29254900.00│ 30950000.00│ 24886200.00│ 35550600.00│ 25310900.00│ 46747100.00│
│经营活动现金流量净额│ 3780200.00│ 31585800.00│ 7178300.00│ 17468200.00│ 16294600.00│ 6333600.00│
│投资活动现金流入 │ 18088500.00│ 89496000.00│ 70310200.00│ 48206700.00│ 25319700.00│ 64687700.00│
│投资活动现金流出 │ 23440200.00│ 97399600.00│ 71634700.00│ 44337900.00│ 22825400.00│ 67873600.00│
│投资活动现金流量净额│ -5351700.00│ -7903600.00│ -1324500.00│ 3868800.00│ 2494300.00│ -3185900.00│
│筹资活动现金流入 │ 11897000.00│ 72593500.00│ 50728600.00│ 30628200.00│ 7966700.00│ 73399700.00│
│筹资活动现金流出 │ 15460400.00│ 87517100.00│ 58786700.00│ 47092600.00│ 23806500.00│ 80793000.00│
│筹资活动现金流量净额│ -3563400.00│-14923600.00│ -8058100.00│-16464400.00│-15839800.00│ -7393300.00│
│汇率变动对现金的影响│ -84600.00│ -189700.00│ -6500.00│ -15200.00│ -13000.00│ 118300.00│
│现金及等价物净增加额│ -5219500.00│ 8568900.00│ -2210800.00│ 4857400.00│ 2936100.00│ -4127300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【12.环比分析】
┌──────┬───────┬───────┬───────┬───────┐
│2025年度 │主营收入(万元)│ 占年度比重(%)│ 净利润(万元)│ 占年度比重(%)│
├──────┼───────┼───────┼───────┼───────┤
│一季报 │ 3370900.00│ 25.65│ 1409600.00│ 33.06│
│二季报 │ 3567600.00│ 27.14│ 1077400.00│ 25.27│
│三季报 │ 3128300.00│ 23.80│ 1346900.00│ 31.59│
│四季报 │ 3077400.00│ 23.41│ 429400.00│ 10.07│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│2024年度 │主营收入(万元)│ 占年度比重(%)│ 净利润(万元)│ 占年度比重(%)│
├──────┼───────┼───────┼───────┼───────┤
│一季报 │ 3877000.00│ 26.43│ 1493200.00│ 33.55│
│二季报 │ 3836200.00│ 26.15│ 1094700.00│ 24.60│
│三季报 │ 3445000.00│ 23.48│ 1385000.00│ 31.12│
│四季报 │ 3511300.00│ 23.94│ 477900.00│ 10.74│
└──────┴───────┴───────┴───────┴───────┘
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