财务分析☆ ◇002142 宁波银行 更新日期：2026-07-18◇ 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) │ 818100.00│ 2933300.00│ 2712700.00│ 2553500.00│ 2307500.00│ 1954600.00│
│归母净利(调整后:万) │ ---│ ---│ 2712700.00│ 2553500.00│ 2307500.00│ 1954600.00│
│净利润增长率(%) │ 10.30│ 8.13│ 6.23│ 10.66│ 18.05│ 29.87│
│扣非净利润(万) │ 818800.00│ 2943400.00│ 2730200.00│ 2542600.00│ 2314300.00│ 1951100.00│
│营业总收(未调整:万) │ 2038400.00│ 7196900.00│ 6663100.00│ 6158500.00│ 5787900.00│ 5277400.00│
│营业总收(调整后:万) │ ---│ ---│ 6663100.00│ 6158500.00│ 5787900.00│ 5277400.00│
│总营收同比增长率(%) │ 10.21│ 8.01│ 8.19│ 6.40│ 9.67│ 28.37│
│加权净资产收益率(%) │ 3.60│ 13.11│ 13.59│ 15.08│ 15.56│ 16.63│
│资产负债比率(%) │ 93.30│ 93.15│ 92.50│ 92.54│ 92.88│ 92.56│
│净利润现金含量(%) │ 731.27│ 802.90│ 313.36│ 678.96│ 410.70│ -227.92│
│基本每股收益(元) │ 1.2400│ 4.2900│ 3.9500│ 3.7500│ 3.3800│ 3.1300│
│每股收益-扣除(元) │ 1.2400│ 4.3000│ 3.9800│ 3.7400│ 3.3900│ 3.1200│
│每股收益-摊薄(元) │ 1.2388│ 4.4417│ 4.1077│ 3.8666│ 3.4941│ 2.9597│
│每股资本公积金(元) │ 5.6929│ 5.6929│ 5.6952│ 5.6952│ 5.7035│ 5.7079│
│每股未分配利润(元) │ 18.7223│ 17.5569│ 15.5559│ 13.1972│ 10.8257│ 8.8875│
│每股净资产(元) │ 35.2100│ 33.6900│ 31.5500│ 26.7100│ 23.1400│ 20.3800│
│每股经营现金流量(元)│ 9.0589│ 35.6600│ 12.8700│ 26.2500│ 14.3500│ -6.7500│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 818100.00│ 2933300.00│ 2244500.00│ 1477200.00│ 741700.00│ 2712700.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 741700.00│ 2712700.00│
│净利润增长率(%) │ 10.30│ 8.13│ 8.39│ 8.23│ 5.76│ 6.23│
│扣非净利润(万) │ 818800.00│ 2943400.00│ 2249500.00│ 1476500.00│ 743300.00│ 2730200.00│
│营业总收(未调整:万) │ 2038400.00│ 7196900.00│ 5497600.00│ 3716000.00│ 1849500.00│ 6663100.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 1849500.00│ 6663100.00│
│总营收同比增长率(%) │ 10.21│ 8.01│ 8.32│ 7.91│ 5.63│ 8.19│
│加权净资产收益率(%) │ 3.60│ 13.11│ 10.36│ 6.90│ 3.55│ 13.59│
│资产负债比率(%) │ 93.30│ 93.15│ 92.90│ 92.91│ 93.05│ 92.50│
│净利润现金含量(%) │ 731.27│ 802.90│ 990.90│ 1137.56│ 1254.69│ 313.36│
│基本每股收益(元) │ 1.2400│ 4.2900│ 3.3500│ 2.2400│ 1.1200│ 3.9500│
│每股收益-扣除(元) │ 1.2400│ 4.3000│ 3.3500│ 2.2400│ 1.1300│ 3.9800│
│每股收益-摊薄(元) │ 1.2388│ 4.4417│ 3.3987│ 2.2368│ 1.1231│ 4.1077│
│每股资本公积金(元) │ 5.6929│ 5.6929│ 5.6952│ 5.6952│ 5.6952│ 5.6952│
│每股未分配利润(元) │ 18.7223│ 17.5569│ 17.3021│ 17.1086│ 16.6287│ 15.5559│
│每股净资产(元) │ 35.2100│ 33.6900│ 32.9900│ 33.3100│ 31.8300│ 31.5500│
│每股经营现金流量(元)│ 9.0589│ 35.6600│ 33.6776│ 25.4500│ 14.0923│ 12.8700│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 93.30│ 93.15│ 92.50│ 92.54│ 92.88│ 92.56│
│产权比率 │ 13.99│ 13.67│ 12.40│ 12.47│ 13.11│ 12.49│
│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(%) │ 93.30│ 93.15│ 92.90│ 92.91│ 93.05│ 92.50│
│产权比率 │ 13.99│ 13.67│ 13.16│ 13.17│ 13.45│ 12.40│
│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 │ 2.38│ 8.35│ 8.25│ 8.09│ 7.56│ 7.09│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.02│ 0.03│ 0.03│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.38│ 8.35│ 6.45│ 4.35│ 2.17│ 8.25│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.01│ 0.01│ 0.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 3.18│ 11.86│ 11.63│ 12.69│ 13.77│ 13.08│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 43.73│ 44.94│ 47.35│ 45.51│ 43.87│ 38.80│
│销售净利率 │ 40.57│ 41.03│ 40.85│ 41.58│ 39.97│ 37.16│
│总资产净利率 │ 0.22│ 0.87│ 0.93│ 1.01│ 1.06│ 1.08│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 3.18│ 11.86│ 8.88│ 6.03│ 3.16│ 11.63│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 43.73│ 44.94│ 44.96│ 43.37│ 43.23│ 47.35│
│销售净利率 │ 40.57│ 41.03│ 41.07│ 39.93│ 40.31│ 40.85│
│总资产净利率 │ 0.22│ 0.87│ 0.67│ 0.45│ 0.23│ 0.93│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 10.21│ 8.01│ 8.19│ 6.40│ 9.67│ 28.37│
│营业利润增长率 │ 11.47│ 2.51│ 12.56│ 10.38│ 24.00│ 24.11│
│净利润增长率 │ 10.30│ 8.13│ 6.23│ 10.66│ 18.05│ 29.87│
│净资产增长率 │ 4.04│ 6.08│ 15.88│ 20.03│ 12.23│ 26.12│
│总资产增长率 │ 6.35│ 16.11│ 15.25│ 14.60│ 17.39│ 23.90│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 10.21│ 8.01│ 8.32│ 7.91│ 5.63│ 8.19│
│营业利润增长率 │ 11.47│ 2.51│ 4.47│ 3.09│ 1.36│ 12.56│
│净利润增长率 │ 10.30│ 8.13│ 8.39│ 8.23│ 5.76│ 6.23│
│净资产增长率 │ 4.04│ 6.08│ 8.38│ 4.99│ 0.78│ 15.88│
│总资产增长率 │ 6.35│ 16.11│ 14.50│ 11.04│ 8.67│ 15.25│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 3475.68亿│ 3358.75亿│ 3199.88亿│ 2717.72亿│ 2354.07亿│ 2035.87亿│
│核心一级资本净额(元)│ 2294.91亿│ 2193.97亿│ 2055.98亿│ 1746.11亿│ 1512.88亿│ 1340.36亿│
│风险加权资产(元) │ 24797.50亿│ 23485.30亿│ 20890.99亿│ 18111.96亿│ 15511.41亿│ 13188.73亿│
│存款总额(元) │ 22453.06亿│ 20248.83亿│ 18363.45亿│ 15662.98亿│ 12970.85亿│ 10528.87亿│
│贷款总额(元) │ 18970.45亿│ 17333.14亿│ 14760.63亿│ 12527.18亿│ 10460.02亿│ 8627.09亿│
│不良贷款(元) │ 143.94亿│ 131.47亿│ 112.67亿│ 94.99亿│ 78.46亿│ 66.19亿│
│存贷比例% │ 84.07│ 85.13│ 79.48│ 78.98│ 79.79│ 79.75│
│资本充足率% │ 14.02│ 14.30│ 15.32│ 15.01│ 15.18│ 15.44│
│核心一级资本充足率% │ 9.25│ 9.34│ 9.84│ 9.64│ 9.75│ 10.16│
│不良贷款率% │ 0.76│ 0.76│ 0.76│ 0.76│ 0.75│ 0.77│
│不良贷款拨备覆盖率% │ 369.39│ 373.16│ 389.35│ 461.04│ 504.90│ 525.52│
│净利差% │ 1.73│ 1.76│ 1.91│ 2.01│ 2.20│ 2.46│
│净息差% │ 1.73│ 1.74│ 1.86│ 1.88│ 2.02│ 2.21│
│成本收入比% │ 25.71│ 32.72│ 35.52│ 38.99│ 37.29│ 36.95│
│非利息收入占营业收入│ ---│ ---│ 27.97│ 33.58│ 35.17│ 38.04│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.44│ 3.97│ 4.16│ 4.25│ 4.59│
│计息负债平均成本率% │ ---│ 1.68│ 2.06│ 2.15│ 2.05│ 2.13│
│单一最大客户贷款比例│ ---│ ---│ ---│ ---│ ---│ ---│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ ---│ ---│ ---│ ---│ ---│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ ---│ ---│ ---│ ---│ ---│
│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) │ 3475.68亿│ 3358.75亿│ 3411.93亿│ 3426.51亿│ 3325.52亿│ 3199.88亿│
│核心一级资本净额(元)│ 2294.91亿│ 2193.97亿│ 2148.53亿│ 2172.96亿│ 2075.11亿│ 2055.98亿│
│风险加权资产(元) │ 24797.50亿│ 23485.30亿│ 23333.71亿│ 22525.88亿│ 22265.59亿│ 20890.99亿│
│存款总额(元) │ 22453.06亿│ 20248.83亿│ 20478.04亿│ 20764.14亿│ 21826.04亿│ 18363.45亿│
│贷款总额(元) │ 18970.45亿│ 17333.14亿│ 17168.23亿│ 16732.13亿│ 16401.69亿│ 14760.63亿│
│不良贷款(元) │ 143.94亿│ 131.47亿│ 129.95亿│ 126.88亿│ 124.59亿│ 112.67亿│
│存贷比例% │ 84.07│ 85.13│ 83.75│ 80.12│ 74.60│ 79.48│
│资本充足率% │ 14.02│ 14.30│ 14.62│ 15.21│ 14.94│ 15.32│
│核心一级资本充足率% │ 9.25│ 9.34│ 9.21│ 9.65│ 9.32│ 9.84│
│不良贷款率% │ 0.76│ 0.76│ 0.76│ 0.76│ 0.76│ 0.76│
│不良贷款拨备覆盖率% │ 369.39│ 373.16│ 375.92│ 374.16│ 370.54│ 389.35│
│净利差% │ 1.73│ 1.76│ 1.78│ 1.79│ 1.82│ 1.91│
│净息差% │ 1.73│ 1.74│ 1.76│ 1.76│ 1.80│ 1.86│
│成本收入比% │ 25.71│ 32.72│ 30.68│ 30.36│ 29.07│ 35.52│
│非利息收入占营业收入│ ---│ ---│ ---│ ---│ ---│ 27.97│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.44│ ---│ 3.58│ ---│ 3.97│
│计息负债平均成本率% │ ---│ 1.68│ ---│ 1.79│ ---│ 2.06│
│单一最大客户贷款比例│ ---│ ---│ ---│ ---│ ---│ ---│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ ---│ ---│ ---│ ---│ ---│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ ---│ ---│ ---│ ---│ ---│
│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) │ 18626.30亿│ 17004.46亿│ 14495.93亿│ 12351.13亿│ 10321.12亿│ 8519.90亿│
│关注类(元) │ 200.21亿│ 197.21亿│ 152.03亿│ 81.06亿│ 60.44亿│ 41.00亿│
│次级类(元) │ 18.64亿│ 15.02亿│ 19.83亿│ 12.56亿│ 25.46亿│ 24.14亿│
│可疑类(元) │ 71.02亿│ 65.24亿│ 61.42亿│ 42.27亿│ 35.53亿│ 26.28亿│
│损失类(元) │ 54.28亿│ 51.21亿│ 31.42亿│ 40.16亿│ 17.47亿│ 15.77亿│
│贷款合计(元) │ 18970.45亿│ 17333.14亿│ 14760.63亿│ 12527.18亿│ 10460.02亿│ 8627.09亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.56│ 2.53│ 3.17│ 2.10│ 1.65│ 1.24│
│关注类贷款迁徙率% │ 20.88│ 35.13│ 52.60│ 59.62│ 54.95│ 69.05│
│次级类贷款迁徙率% │ 30.85│ 86.41│ 82.79│ 85.82│ 84.15│ 63.58│
│可疑类贷款迁徙率% │ 20.85│ 90.28│ 86.62│ 98.23│ 30.81│ 44.01│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 18626.30亿│ 17004.46亿│ 16852.64亿│ 16434.23亿│ 16113.43亿│ 14495.93亿│
│关注类(元) │ 200.21亿│ 197.21亿│ 185.64亿│ 171.02亿│ 163.67亿│ 152.03亿│
│次级类(元) │ 18.64亿│ 15.02亿│ 13.71亿│ 17.79亿│ 21.81亿│ 19.83亿│
│可疑类(元) │ 71.02亿│ 65.24亿│ 72.58亿│ 73.47亿│ 73.11亿│ 61.42亿│
│损失类(元) │ 54.28亿│ 51.21亿│ 43.66亿│ 35.62亿│ 29.67亿│ 31.42亿│
│贷款合计(元) │ 18970.45亿│ 17333.14亿│ 17168.23亿│ 16732.13亿│ 16401.69亿│ 14760.63亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.56│ 2.53│ 1.99│ 1.36│ 0.72│ 3.17│
│关注类贷款迁徙率% │ 20.88│ 35.13│ 35.43│ 34.99│ 29.80│ 52.60│
│次级类贷款迁徙率% │ 30.85│ 86.41│ 84.99│ 68.75│ 31.79│ 82.79│
│可疑类贷款迁徙率% │ 20.85│ 90.28│ 67.98│ 37.80│ 18.45│ 86.62│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%)│
├──────┼────────┼──────┼────────┼──────┤
│手续费及佣金│代理财富及资产管│ 306900.00│ 183000.00│ 67.70│
│收入 │理费收入增加 │ │ │ │
│其他收益 │普惠小微补助收益│ 4000.00│ 9600.00│ -58.33│
│ │减少 │ │ │ │
│汇兑损益 │外汇衍生工具公允│ -65300.00│ 61200.00│ -206.70│
│ │价值变动 │ │ │ │
│其他业务收入│经营租赁收益增加│ 5200.00│ 3300.00│ 57.58│
│资产处置收益│固定资产处置收益│ -100.00│ -400.00│ 75.00│
│ │增加 │ │ │ │
│其他业务成本│经营租赁支出增加│ 3600.00│ 1700.00│ 111.76│
│少数股东损益│永赢基金净利润增│ 8900.00│ 3900.00│ 128.21│
│ │加 │ │ │ │
│拆出资金 │--- │ 2704200.00│ 4910900.00│ -44.93│
│向中央银行借│中期借贷便利增加│ 15314700.00│ 8288100.00│ 84.78│
│款 │ │ │ │ │
│交易性金融负│--- │ 856500.00│ 488200.00│ 75.44│
│债 │ │ │ │ │
│卖出回购金融│卖出回购规模减少│ 21081300.00│ 33769600.00│ -37.57│
│资产款 │ │ │ │ │
│应付职工薪酬│年终奖发放 │ 141900.00│ 453300.00│ -68.70│
│应交税费 │应交税金增加 │ 424700.00│ 320500.00│ 32.51│
│其他负债 │代理业务清算款项│ 4325700.00│ 1885500.00│ 129.42│
│ │增加 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│经营活动现金│卖出回购金融资产│ 59096900.00│ 46174700.00│ 27.99│
│流入小计 │款增加 │ │ │ │
│经营活动现金│向中央银行借款到│ 35545300.00│ 37674200.00│ -5.65│
│流出小计 │期归还减少 │ │ │ │
│经营活动产生│--- │ 23551600.00│ 8500500.00│ 177.06│
│的现金流量净│ │ │ │ │
│额 │ │ │ │ │
│投资活动现金│贵金属投资及债券│265471600.00│ 204487300.00│ 29.82│
│流入小计 │投资流入增加 │ │ │ │
│投资活动现金│贵金属投资及债券│289131500.00│ 213540600.00│ 35.40│
│流出小计 │投资流出增加 │ │ │ │
│投资活动使用│--- │-23659900.00│ -9053300.00│ -161.34│
│的现金流量净│ │ │ │ │
│额 │ │ │ │ │
│筹资活动现金│债券及同业存单发│108069400.00│ 57823100.00│ 86.90│
│流入小计 │行增加 │ │ │ │
│筹资活动现金│偿还同业存单资金│107353900.00│ 53117500.00│ 102.11│
│流出小计 │增加 │ │ │ │
│筹资活动产生│--- │ 715500.00│ 4705600.00│ -84.79│
│的现金流量净│ │ │ │ │
│额 │ │ │ │ │
│现金及现金等│--- │ 584200.00│ 4159900.00│ -85.96│
│价物净增加额│ │ │ │ │
│其他收益 │普惠小微补助收益│ 25100.00│ 44400.00│ -43.47│
│ │减少 │ │ │ │
│公允价值变动│交易性金融资产公│ -63000.00│ 1800.00│ -3600.00│
│损益 │允价值减少 │ │ │ │
│汇兑损益 │外汇业务汇兑损益│ -11300.00│ -27800.00│ 59.35│
│ │增加 │ │ │ │
│其他业务收入│经营租赁收益增加│ 18900.00│ 9200.00│ 105.43│
│资产处置收益│固定资产处置收益│ 9000.00│ 100.00│ 8900.00│
│ │增加 │ │ │ │
│信用减值损失│贷款损失准备增加│ 1527900.00│ 1067900.00│ 43.08│
│其他业务成本│经营租赁支出增加│ 12200.00│ 7100.00│ 71.83│
│营业外收入 │营业外收入增加 │ 6700.00│ 4600.00│ 45.65│
│所得税费用 │免税收益有所增加│ 263200.00│ 406500.00│ -35.25│
│存放同业款项│存放同业清算款项│ 4009800.00│ 2910500.00│ 37.77│
│ │增加 │ │ │ │
│贵金属 │贵金属持仓头寸增│ 1532500.00│ 775600.00│ 97.59│
│ │加 │ │ │ │
│债权投资 │债券投资增加 │ 52341500.00│ 38848400.00│ 34.73│
│其他权益工具│其他权益工具投资│ 71300.00│ 51200.00│ 39.26│
│投资 │公允价值增加 │ │ │ │
│递延所得税资│公允价值变动减少│ 522100.00│ 251300.00│ 107.76│
│产 │ │ │ │ │
│其他资产 │清算款项增加 │ 1061600.00│ 485300.00│ 118.75│
│向中央银行借│中期借贷便利增加│ 8288100.00│ 5464000.00│ 51.69│
│款 │ │ │ │ │
│同业及其他金│同业存放增加 │ 16590300.00│ 11781700.00│ 40.81│
│融机构存放款│ │ │ │ │
│项 │ │ │ │ │
│交易性金融负│交易性金融负债增│ 488200.00│ 324700.00│ 50.35│
│债 │加 │ │ │ │
│衍生金融负债│外汇掉期公允价值│ 1722000.00│ 3036000.00│ -43.28│
│ │负值减少 │ │ │ │
│卖出回购金融│卖出回购规模增加│ 33769600.00│ 16326800.00│ 106.84│
│资产款 │ │ │ │ │
│应交税费 │应交企业所得税增│ 320500.00│ 237900.00│ 34.72│
│ │加 │ │ │ │
│预计负债 │表外业务损失准备│ 183200.00│ 140300.00│ 30.58│
│ │增加 │ │ │ │
│其他综合收益│债券公允价值减少│ 937500.00│ 1561400.00│ -39.96│
└──────┴────────┴──────┴────────┴──────┘
【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│ 16973800.00│ 14193700.00│ 14730500.00│ 12913100.00│ 11704400.00│ 9759600.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 3739200.00│ 4009800.00│ 2910500.00│ 2629000.00│ 2139600.00│ 1767900.00│
│发放贷款及垫款 │185043200.00│169011700.00│143725400.00│121375300.00│101081700.00│ 83244300.00│
│拆出资金 │ 2704200.00│ 4910900.00│ 3807400.00│ 4054100.00│ 3033700.00│ 2200900.00│
│贵金属 │ 1840800.00│ 1532500.00│ 775600.00│ 1019100.00│ 380300.00│ 2473900.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 54892700.00│ 52341500.00│ 38848400.00│ 41871000.00│ 33833700.00│ 25972200.00│
│其他债权投资 │ 79500000.00│ 74891700.00│ 62808200.00│ 46541900.00│ 41875600.00│ 35215100.00│
│其他权益工具投资 │ 61300.00│ 71300.00│ 51200.00│ 32100.00│ 16900.00│ 19900.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 849300.00│ 862500.00│ 860600.00│ 754300.00│ 768500.00│ 761800.00│
│商誉 │ 29300.00│ 29300.00│ 29300.00│ 29300.00│ 29300.00│ ---│
│资产总计 │385922500.00│362867100.00│312523200.00│271166200.00│236609700.00│201560700.00│
│向中央银行借款 │ 15314700.00│ 8288100.00│ 5464000.00│ 10918900.00│ 6543500.00│ 8174200.00│
│同业及其他金融机构存│ 18311000.00│ 16590300.00│ 11781700.00│ 8212200.00│ 8830700.00│ 9471400.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 21611500.00│ 22225700.00│ 19193500.00│ 18311400.00│ 10910400.00│ 6022600.00│
│吸收存款 │227616300.00│205875500.00│186962400.00│158853600.00│131030500.00│106232800.00│
│卖出回购金融资产款 │ 21081300.00│ 33769600.00│ 16326800.00│ 12264100.00│ 10804000.00│ 9259500.00│
│负债合计 │360051300.00│338004200.00│289097200.00│250945200.00│219757100.00│186560700.00│
│实收资本(或股本) │ 660400.00│ 660400.00│ 660400.00│ 660400.00│ 660400.00│ 660400.00│
│资本公积 │ 3759600.00│ 3759600.00│ 3761100.00│ 3761100.00│ 3766600.00│ 3769500.00│
│盈余公积 │ 1949600.00│ 1949600.00│ 1704100.00│ 1470500.00│ 1245800.00│ 1041800.00│
│未分配利润 │ 12364200.00│ 11594600.00│ 10273100.00│ 8715400.00│ 7149300.00│ 5869300.00│
│归属于母公司所有者权│ 25731800.00│ 24732400.00│ 23315100.00│ 20119500.00│ 16762600.00│ 14942400.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 139400.00│ 130500.00│ 110900.00│ 101500.00│ 90000.00│ 57600.00│
│股东权益合计 │ 25871200.00│ 24862900.00│ 23426000.00│ 20221000.00│ 16852600.00│ 15000000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 16973800.00│ 14193700.00│ 14752900.00│ 15214500.00│ 16650900.00│ 14730500.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 3739200.00│ 4009800.00│ 3955600.00│ 3122000.00│ 4585500.00│ 2910500.00│
│发放贷款及垫款 │185043200.00│169011700.00│167301100.00│163084700.00│159929100.00│143725400.00│
│拆出资金 │ 2704200.00│ 4910900.00│ 4467000.00│ 2476600.00│ 271400.00│ 3807400.00│
│贵金属 │ 1840800.00│ 1532500.00│ 1764600.00│ 772400.00│ 1112700.00│ 775600.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 54892700.00│ 52341500.00│ 48257300.00│ 46266800.00│ 42172800.00│ 38848400.00│
│其他债权投资 │ 79500000.00│ 74891700.00│ 74777500.00│ 69773700.00│ 67238800.00│ 62808200.00│
│其他权益工具投资 │ 61300.00│ 71300.00│ 64300.00│ 81500.00│ 51000.00│ 51200.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ 0.00│ ---│
│固定资产 │ 849300.00│ 862500.00│ 843500.00│ 849400.00│ 844000.00│ 860600.00│
│商誉 │ 29300.00│ 29300.00│ 29300.00│ 29300.00│ 29300.00│ 29300.00│
│资产总计 │385922500.00│362867100.00│357839600.00│347033200.00│339603500.00│312523200.00│
│向中央银行借款 │ 15314700.00│ 8288100.00│ 3275700.00│ 3411900.00│ 3734500.00│ 5464000.00│
│同业及其他金融机构存│ 18311000.00│ 16590300.00│ 16175600.00│ 10121600.00│ 7626000.00│ 11781700.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 21611500.00│ 22225700.00│ 21701000.00│ 21136300.00│ 20174100.00│ 19193500.00│
│吸收存款 │227616300.00│205875500.00│208123700.00│211155800.00│221701100.00│186962400.00│
│卖出回购金融资产款 │ 21081300.00│ 33769600.00│ 35270200.00│ 27631000.00│ 10226000.00│ 16326800.00│
│负债合计 │360051300.00│338004200.00│332446500.00│322436800.00│315991000.00│289097200.00│
│实收资本(或股本) │ 660400.00│ 660400.00│ 660400.00│ 660400.00│ 660400.00│ 660400.00│
│资本公积 │ 3759600.00│ 3759600.00│ 3761100.00│ 3761100.00│ 3761100.00│ 3761100.00│
│盈余公积 │ 1949600.00│ 1949600.00│ 1704100.00│ 1704100.00│ 1704100.00│ 1704100.00│
│未分配利润 │ 12364200.00│ 11594600.00│ 11426300.00│ 11298500.00│ 10981600.00│ 10273100.00│
│归属于母公司所有者权│ 25731800.00│ 24732400.00│ 25268900.00│ 24478900.00│ 23497800.00│ 23315100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 139400.00│ 130500.00│ 124200.00│ 117500.00│ 114700.00│ 110900.00│
│股东权益合计 │ 25871200.00│ 24862900.00│ 25393100.00│ 24596400.00│ 23612500.00│ 23426000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 2038400.00│ 7196900.00│ 6663100.00│ 6158500.00│ 5787900.00│ 5277400.00│
│利息净收入 │ 1468800.00│ 5316100.00│ 4799300.00│ 4090700.00│ 3752100.00│ 3269700.00│
│手续费及佣金净收入 │ 257500.00│ 608500.00│ 465500.00│ 576700.00│ 746600.00│ 826200.00│
│投资收益 │ 520500.00│ 1293600.00│ 1370600.00│ 1308700.00│ 1130100.00│ 1253100.00│
│公允价值变动收益 │ -152200.00│ -63000.00│ 1800.00│ 116100.00│ 154200.00│ -10500.00│
│汇兑收益 │ -65300.00│ -11300.00│ -27800.00│ -39000.00│ -30400.00│ -93900.00│
│营业支出 │ 1147100.00│ 3962800.00│ 3508300.00│ 3355700.00│ 3248700.00│ 3229600.00│
│营业税金及附加 │ 18700.00│ 67700.00│ 66300.00│ 59200.00│ 46700.00│ 41300.00│
│业务及管理费 │ 524200.00│ 2355000.00│ 2367000.00│ 2401200.00│ 2158200.00│ 1950000.00│
│资产减值损失 │ ---│ ---│ ---│ ---│ ---│ 2300.00│
│营业利润 │ 891300.00│ 3234100.00│ 3154800.00│ 2802800.00│ 2539200.00│ 2047800.00│
│营业外收入 │ 1400.00│ 6700.00│ 4600.00│ 7700.00│ 8100.00│ 5700.00│
│营业外支出 │ 2800.00│ 24700.00│ 30800.00│ 20700.00│ 19300.00│ 9000.00│
│利润总额 │ 889900.00│ 3216100.00│ 3128600.00│ 2789800.00│ 2528000.00│ 2044500.00│
│所得税 │ 62900.00│ 263200.00│ 406500.00│ 228900.00│ 214800.00│ 83600.00│
│净利润 │ 827000.00│ 2952900.00│ 2722100.00│ 2560900.00│ 2313200.00│ 1960900.00│
│归属母公司净利润 │ 818100.00│ 2933300.00│ 2712700.00│ 2553500.00│ 2307500.00│ 1954600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2038400.00│ 7196900.00│ 5497600.00│ 3716000.00│ 1849500.00│ 6663100.00│
│利息净收入 │ 1468800.00│ 5316100.00│ 3949600.00│ 2572600.00│ 1283500.00│ 4799300.00│
│手续费及佣金净收入 │ 257500.00│ 608500.00│ 484800.00│ 280500.00│ 141700.00│ 465500.00│
│投资收益 │ 520500.00│ 1293600.00│ 993000.00│ 837600.00│ 499200.00│ 1370600.00│
│公允价值变动收益 │ -152200.00│ -63000.00│ -49700.00│ -48100.00│ -148600.00│ 1800.00│
│汇兑收益 │ -65300.00│ -11300.00│ 75500.00│ 38700.00│ 61200.00│ -27800.00│
│营业支出 │ 1147100.00│ 3962800.00│ 3026100.00│ 2104300.00│ 1049900.00│ 3508300.00│
│营业税金及附加 │ 18700.00│ 67700.00│ 51100.00│ 34600.00│ 16400.00│ 66300.00│
│业务及管理费 │ 524200.00│ 2355000.00│ 1686600.00│ 1128200.00│ 537700.00│ 2367000.00│
│资产减值损失 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润 │ 891300.00│ 3234100.00│ 2471500.00│ 1611700.00│ 799600.00│ 3154800.00│
│营业外收入 │ 1400.00│ 6700.00│ 4300.00│ 3100.00│ 1300.00│ 4600.00│
│营业外支出 │ 2800.00│ 24700.00│ 17200.00│ 9600.00│ 2800.00│ 30800.00│
│利润总额 │ 889900.00│ 3216100.00│ 2458600.00│ 1605200.00│ 798100.00│ 3128600.00│
│所得税 │ 62900.00│ 263200.00│ 200800.00│ 121400.00│ 52500.00│ 406500.00│
│净利润 │ 827000.00│ 2952900.00│ 2257800.00│ 1483800.00│ 745600.00│ 2722100.00│
│归属母公司净利润 │ 818100.00│ 2933300.00│ 2244500.00│ 1477200.00│ 741700.00│ 2712700.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 38218600.00│ 59096900.00│ 46174700.00│ 49438800.00│ 37955000.00│ 25352200.00│
│经营活动现金流出 │ 32236100.00│ 35545300.00│ 37674200.00│ 32101600.00│ 28478200.00│ 29807100.00│
│经营活动现金流量净额│ 5982500.00│ 23551600.00│ 8500500.00│ 17337200.00│ 9476800.00│ -4454900.00│
│投资活动现金流入 │ 71870800.00│265471600.00│204487300.00│129111600.00│109126000.00│111252900.00│
│投资活动现金流出 │ 77848200.00│289131500.00│213540600.00│138938200.00│121820500.00│125413600.00│
│投资活动现金流量净额│ -5977400.00│-23659900.00│ -9053300.00│ -9826600.00│-12694500.00│-14160700.00│
│筹资活动现金流入 │ 27852900.00│108069400.00│ 57823100.00│ 52687600.00│ 61274700.00│ 62986900.00│
│筹资活动现金流出 │ 25873300.00│107353900.00│ 53117500.00│ 59715300.00│ 57397100.00│ 43567800.00│
│筹资活动现金流量净额│ 1979600.00│ 715500.00│ 4705600.00│ -7027700.00│ 3877600.00│ 19419100.00│
│汇率变动对现金的影响│ -28700.00│ -23000.00│ 7100.00│ 18400.00│ 145900.00│ -32600.00│
│现金及等价物净增加额│ 1956000.00│ 584200.00│ 4159900.00│ 501300.00│ 805800.00│ 770900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 38218600.00│ 59096900.00│ 56623800.00│ 43760900.00│ 37518600.00│ 46174700.00│
│经营活动现金流出 │ 32236100.00│ 35545300.00│ 34383100.00│ 26956800.00│ 28212600.00│ 37674200.00│
│经营活动现金流量净额│ 5982500.00│ 23551600.00│ 22240700.00│ 16804100.00│ 9306000.00│ 8500500.00│
│投资活动现金流入 │ 71870800.00│265471600.00│190507600.00│133252400.00│ 60132100.00│204487300.00│
│投资活动现金流出 │ 77848200.00│289131500.00│211232900.00│146492400.00│ 67974500.00│213540600.00│
│投资活动现金流量净额│ -5977400.00│-23659900.00│-20725300.00│-13240000.00│ -7842400.00│ -9053300.00│
│筹资活动现金流入 │ 27852900.00│108069400.00│ 71085300.00│ 35750900.00│ 18738700.00│ 57823100.00│
│筹资活动现金流出 │ 25873300.00│107353900.00│ 71732400.00│ 35743100.00│ 15291400.00│ 53117500.00│
│筹资活动现金流量净额│ 1979600.00│ 715500.00│ -647100.00│ 7800.00│ 3447300.00│ 4705600.00│
│汇率变动对现金的影响│ -28700.00│ -23000.00│ -6800.00│ 4800.00│ 1400.00│ 7100.00│
│现金及等价物净增加额│ 1956000.00│ 584200.00│ 861500.00│ 3576700.00│ 4912300.00│ 4159900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 1849500.00│ 25.70│ 741700.00│ 25.29│
│二季报 │ 1866500.00│ 25.93│ 735500.00│ 25.07│
│三季报 │ 1781600.00│ 24.76│ 767300.00│ 26.16│
│四季报 │ 1699300.00│ 23.61│ 688800.00│ 23.48│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 1750900.00│ 26.28│ 701300.00│ 25.85│
│二季报 │ 1692800.00│ 25.41│ 663600.00│ 24.46│
│三季报 │ 1631600.00│ 24.49│ 705800.00│ 26.02│
│四季报 │ 1587800.00│ 23.83│ 642000.00│ 23.67│
└──────┴───────┴───────┴───────┴───────┘
〖免责条款〗
1、本公司力求但不保证提供的任何信息的真实性、准确性、完整性及原创性等，投资者使
用前请自行予以核实，如有错漏请以中国证监会指定上市公司信息披露媒体为准，本公司
不对因上述信息全部或部分内容而引致的盈亏承担任何责任。
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性、安全性以及出错发生都不作担保。
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据上述信息进行投资决策所产生的收益和损失承担任何责任。投资有风险，应谨慎至上。
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