财务分析☆ ◇600000 浦发银行 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) │ 1786100.00│ 5001700.00│ 4525700.00│ 3670200.00│ 5117100.00│ 5300300.00│
│归母净利(调整后:万) │ ---│ ---│ 4525700.00│ 3670200.00│ 5117100.00│ 5300300.00│
│净利润增长率(%) │ 1.49│ 10.52│ 23.31│ -28.28│ -3.46│ -9.12│
│扣非净利润(万) │ 1790300.00│ 5014400.00│ 4420700.00│ 3388200.00│ 5081000.00│ 5255000.00│
│营业总收(未调整:万) │ 4657300.00│ 17396400.00│ 17074800.00│ 17343400.00│ 18862200.00│ 19098200.00│
│营业总收(调整后:万) │ ---│ ---│ 17074800.00│ 17343400.00│ 18862200.00│ 19098200.00│
│总营收同比增长率(%) │ 1.42│ 1.88│ -1.55│ -8.05│ -1.24│ -2.75│
│加权净资产收益率(%) │ 2.32│ 6.76│ 6.28│ 5.21│ 7.98│ 8.75│
│资产负债比率(%) │ 91.84│ 91.82│ 92.13│ 91.86│ 91.88│ 91.66│
│净利润现金含量(%) │ 513.54│ 751.42│ -737.24│ 1058.24│ 713.49│ -485.24│
│基本每股收益(元) │ 0.5200│ 1.5200│ 1.3600│ 1.0700│ 1.5600│ 1.6200│
│每股收益-扣除(元) │ 0.5200│ 1.5300│ 1.3200│ 0.9700│ 1.5500│ 1.6100│
│每股收益-摊薄(元) │ 0.5363│ 1.5017│ 1.5419│ 1.2504│ 1.7434│ 1.8058│
│每股资本公积金(元) │ 4.0368│ 4.0371│ 2.7910│ 2.7856│ 2.7856│ 2.7856│
│每股未分配利润(元) │ 8.0514│ 7.5351│ 7.8496│ 7.0977│ 6.9235│ 6.5786│
│每股净资产(元) │ 22.6300│ 22.1300│ 22.3600│ 20.9500│ 20.0300│ 19.0800│
│每股经营现金流量(元)│ 2.7500│ 11.2800│ -11.3700│ 13.2300│ 12.4400│ -8.7600│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 1786100.00│ 5001700.00│ 3881900.00│ 2973700.00│ 1759800.00│ 4525700.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 1759800.00│ 4525700.00│
│净利润增长率(%) │ 1.49│ 10.52│ 10.21│ 10.19│ 1.02│ 23.31│
│扣非净利润(万) │ 1790300.00│ 5014400.00│ 3890000.00│ 2998400.00│ 1758100.00│ 4420700.00│
│营业总收(未调整:万) │ 4657300.00│ 17396400.00│ 13228000.00│ 9055900.00│ 4592200.00│ 17074800.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 4592200.00│ 17074800.00│
│总营收同比增长率(%) │ 1.42│ 1.88│ 1.88│ 2.62│ 1.31│ -1.55│
│加权净资产收益率(%) │ 2.32│ 6.76│ 5.67│ 4.33│ 2.55│ 6.28│
│资产负债比率(%) │ 91.84│ 91.82│ 91.50│ 91.69│ 92.09│ 92.13│
│净利润现金含量(%) │ 513.54│ 751.42│ 426.28│ 71.48│ -1147.87│ -737.24│
│基本每股收益(元) │ 0.5200│ 1.5200│ 1.2800│ 0.9900│ 0.5700│ 1.3600│
│每股收益-扣除(元) │ 0.5200│ 1.5300│ 1.2900│ 1.0000│ 0.5700│ 1.3200│
│每股收益-摊薄(元) │ 0.5363│ 1.5017│ 1.2380│ 0.9826│ 0.5996│ 1.5419│
│每股资本公积金(元) │ 4.0368│ 4.0371│ 3.4787│ 3.1215│ 2.7910│ 2.7910│
│每股未分配利润(元) │ 8.0514│ 7.5351│ 7.7492│ 7.7326│ 8.4215│ 7.8496│
│每股净资产(元) │ 22.6300│ 22.1300│ 22.4000│ 22.5700│ 22.7300│ 22.3600│
│每股经营现金流量(元)│ 2.7500│ 11.2800│ 5.2800│ 0.7024│ -6.8800│ -11.3700│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 91.84│ 91.82│ 92.13│ 91.86│ 91.88│ 91.66│
│产权比率 │ 11.35│ 11.33│ 11.84│ 11.42│ 11.46│ 11.13│
│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(%) │ 91.84│ 91.82│ 91.50│ 91.69│ 92.09│ 92.13│
│产权比率 │ 11.35│ 11.33│ 10.88│ 11.16│ 11.77│ 11.84│
│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 │ 0.68│ 2.81│ 3.36│ 4.21│ 5.50│ 5.37│
│总资产周转率 │ 0.00│ 0.02│ 0.02│ 0.02│ 0.02│ 0.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 0.68│ 2.81│ 2.15│ 1.53│ 0.79│ 3.36│
│总资产周转率 │ 0.00│ 0.02│ 0.01│ 0.01│ 0.00│ 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 │ 2.14│ 6.12│ 6.15│ 5.06│ 7.33│ 7.91│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 46.78│ 30.82│ 27.79│ 23.49│ 29.83│ 31.00│
│销售净利率 │ 39.01│ 28.97│ 26.84│ 21.58│ 27.57│ 28.15│
│总资产净利率 │ 0.18│ 0.52│ 0.50│ 0.42│ 0.62│ 0.67│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.14│ 6.12│ 4.66│ 3.75│ 2.36│ 6.15│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 46.78│ 30.82│ 31.91│ 36.99│ 43.91│ 27.79│
│销售净利率 │ 39.01│ 28.97│ 29.61│ 33.01│ 38.71│ 26.84│
│总资产净利率 │ 0.18│ 0.52│ 0.40│ 0.31│ 0.19│ 0.50│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 1.42│ 1.88│ -1.55│ -8.05│ -1.24│ -2.75│
│营业利润增长率 │ 8.06│ 12.99│ 16.46│ -27.61│ -4.95│ -11.28│
│净利润增长率 │ 1.49│ 10.52│ 23.31│ -28.28│ -3.46│ -9.12│
│净资产增长率 │ 2.06│ 10.94│ 1.60│ 3.85│ 4.16│ 4.98│
│总资产增长率 │ 2.22│ 6.55│ 5.05│ 3.48│ 6.98│ 2.35│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 1.42│ 1.88│ 1.88│ 2.62│ 1.31│ -1.55│
│营业利润增长率 │ 8.06│ 12.99│ 15.94│ 10.82│ -0.98│ 16.46│
│净利润增长率 │ 1.49│ 10.52│ 10.21│ 10.19│ 1.02│ 23.31│
│净资产增长率 │ 2.06│ 10.94│ 13.03│ 7.68│ 1.47│ 1.60│
│总资产增长率 │ 2.22│ 6.55│ 4.55│ 1.94│ 0.96│ 5.05│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 10196.04亿│ 10004.67亿│ 9484.80亿│ 8444.52亿│ 8437.61亿│ 8177.15亿│
│核心一级资本净额(元)│ 7369.11亿│ 7207.76亿│ 6415.45亿│ 5979.25亿│ 5682.99亿│ 5484.86亿│
│风险加权资产(元) │ 81707.49亿│ 80207.29亿│ 71920.17亿│ 66672.13亿│ 61820.36亿│ 58359.47亿│
│存款总额(元) │ 57791.60亿│ 55824.35亿│ 51459.59亿│ 49846.30亿│ 48264.78亿│ 44030.56亿│
│贷款总额(元) │ 58310.31亿│ 57039.73亿│ 53915.30亿│ 50177.54亿│ 49006.62亿│ 47860.40亿│
│不良贷款(元) │ 718.20亿│ 719.90亿│ 731.54亿│ 741.98亿│ 746.19亿│ 768.29亿│
│存贷比例% │ 99.89│ 101.15│ 103.40│ 99.48│ 100.47│ 107.57│
│资本充足率% │ 12.48│ 12.47│ 13.19│ 12.67│ 13.65│ 14.01│
│核心一级资本充足率% │ 9.02│ 8.99│ 8.92│ 8.97│ 9.19│ 9.40│
│不良贷款率% │ 1.23│ 1.26│ 1.36│ 1.48│ 1.52│ 1.61│
│不良贷款拨备覆盖率% │ 204.79│ 193.89│ 182.26│ 173.51│ 159.04│ 143.96│
│净利差% │ ---│ 1.37│ 1.37│ 1.49│ 1.72│ 1.77│
│净息差% │ ---│ 1.42│ 1.42│ 1.52│ 1.77│ 1.83│
│成本收入比% │ 22.41│ 28.50│ 29.16│ 29.65│ 27.89│ 26.17│
│非利息收入占营业收入│ 31.07│ 30.74│ 32.82│ 31.71│ 29.13│ 28.81│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.11│ 3.57│ 3.82│ 3.96│ 4.06│
│计息负债平均成本率% │ ---│ 1.74│ 2.20│ 2.33│ 2.24│ 2.29│
│单一最大客户贷款比例│ ---│ 2.90│ 2.99│ 3.05│ 2.54│ 1.69│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 13.74│ 12.65│ 14.71│ 12.76│ 11.47│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 56.47│ 53.21│ 55.53│ 50.62│ 50.67│ 49.94│
│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) │ 10196.04亿│ 10004.67亿│ 9926.50亿│ 10188.53亿│ 9574.78亿│ 9484.80亿│
│核心一级资本净额(元)│ 7369.11亿│ 7207.76亿│ 6828.40亿│ 6695.93亿│ 6482.86亿│ 6415.45亿│
│风险加权资产(元) │ 81707.49亿│ 80207.29亿│ 77010.90亿│ 75180.92亿│ 73745.38亿│ 71920.17亿│
│存款总额(元) │ 57791.60亿│ 55824.35亿│ 56187.17亿│ 55943.08亿│ 54703.38亿│ 51459.59亿│
│贷款总额(元) │ 58310.31亿│ 57039.73亿│ 56721.30亿│ 56349.31亿│ 55798.33亿│ 53915.30亿│
│不良贷款(元) │ 718.20亿│ 719.90亿│ 728.89亿│ 736.72亿│ 742.80亿│ 731.54亿│
│存贷比例% │ 99.89│ 101.15│ 99.93│ 99.65│ 100.86│ 103.40│
│资本充足率% │ 12.48│ 12.47│ 12.89│ 13.55│ 12.98│ 13.19│
│核心一级资本充足率% │ 9.02│ 8.99│ 8.87│ 8.91│ 8.79│ 8.92│
│不良贷款率% │ 1.23│ 1.26│ 1.29│ 1.31│ 1.33│ 1.36│
│不良贷款拨备覆盖率% │ 204.79│ 193.89│ 198.04│ 188.56│ 186.99│ 182.26│
│净利差% │ ---│ 1.37│ ---│ 1.38│ ---│ 1.37│
│净息差% │ ---│ 1.42│ ---│ 1.41│ ---│ 1.42│
│成本收入比% │ 22.41│ 28.50│ 27.53│ 25.07│ 24.59│ 29.16│
│非利息收入占营业收入│ 31.07│ 30.74│ 32.26│ 35.61│ 37.82│ 32.82│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.11│ ---│ 3.25│ ---│ 3.57│
│计息负债平均成本率% │ ---│ 1.74│ ---│ 1.87│ ---│ 2.20│
│单一最大客户贷款比例│ ---│ 2.90│ ---│ 2.84│ ---│ 2.99│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 13.74│ ---│ 13.36│ ---│ 12.65│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 56.47│ 53.21│ 50.99│ 54.76│ 53.11│ 55.53│
│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) │ 56366.88亿│ 55125.52亿│ 51918.69亿│ 48264.37亿│ 47186.03亿│ 46055.16亿│
│关注类(元) │ 1225.23亿│ 1194.31亿│ 1265.07亿│ 1171.19亿│ 1074.40亿│ 1036.95亿│
│次级类(元) │ 158.96亿│ 157.71亿│ 197.46亿│ 246.40亿│ 346.88亿│ 359.37亿│
│可疑类(元) │ 221.25亿│ 185.78亿│ 153.33亿│ 223.53亿│ 258.13亿│ 232.22亿│
│损失类(元) │ 337.99亿│ 376.41亿│ 380.75亿│ 272.05亿│ 141.18亿│ 176.70亿│
│贷款合计(元) │ 58310.31亿│ 57039.73亿│ 53915.30亿│ 50177.54亿│ 49006.62亿│ 47860.40亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.38│ 1.68│ 1.88│ 2.41│ 2.12│
│关注类贷款迁徙率% │ ---│ 29.31│ 27.50│ 32.01│ 33.74│ 41.95│
│次级类贷款迁徙率% │ ---│ 85.99│ 90.63│ 71.69│ 73.87│ 77.89│
│可疑类贷款迁徙率% │ ---│ 80.86│ 81.83│ 62.19│ 39.88│ 42.03│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 56366.88亿│ 55125.52亿│ 54757.05亿│ 54398.62亿│ 53794.76亿│ 51918.69亿│
│关注类(元) │ 1225.23亿│ 1194.31亿│ 1235.36亿│ 1213.97亿│ 1260.77亿│ 1265.07亿│
│次级类(元) │ 158.96亿│ 157.71亿│ 137.36亿│ 152.65亿│ 187.13亿│ 197.46亿│
│可疑类(元) │ 221.25亿│ 185.78亿│ 169.03亿│ 173.66亿│ 180.34亿│ 153.33亿│
│损失类(元) │ 337.99亿│ 376.41亿│ 422.50亿│ 410.41亿│ 375.33亿│ 380.75亿│
│贷款合计(元) │ 58310.31亿│ 57039.73亿│ 56721.30亿│ 56349.31亿│ 55798.33亿│ 53915.30亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.38│ ---│ 1.50│ ---│ 1.68│
│关注类贷款迁徙率% │ ---│ 29.31│ ---│ 41.10│ ---│ 27.50│
│次级类贷款迁徙率% │ ---│ 85.99│ ---│ 168.27│ ---│ 90.63│
│可疑类贷款迁徙率% │ ---│ 80.86│ ---│ 144.30│ ---│ 81.83│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%)│
├──────┼────────┼──────┼────────┼──────┤
│经营活动产生│客户存款和同业及│ 9172400.00│ -20200200.00│ 145.41│
│的现金流量净│其他金融机构存放│ │ │ │
│额 │款项 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│投资收益 │衍生金融工具投资│ 1939300.00│ 2914100.00│ -33.45│
│ │收益减少 │ │ │ │
│公允价值变动│衍生金融工具公允│ 544300.00│ -154900.00│ 451.39│
│损益 │价值变动 │ │ │ │
│汇兑损益 │市场汇率波动，汇│ 25000.00│ 98800.00│ -74.70│
│ │兑收益减少 │ │ │ │
│其他业务收入│子公司业务收入上│ 496700.00│ 377600.00│ 31.54│
│ │升 │ │ │ │
│资产处置损益│固定资产处置收益│ 8100.00│ 2000.00│ 305.00│
│ │增加 │ │ │ │
│其他资产减值│固定资产减值损失│ 20100.00│ 4300.00│ 367.44│
│损失 │增加 │ │ │ │
│其他业务成本│子公司业务成本上│ 282200.00│ 205800.00│ 37.12│
│ │升 │ │ │ │
│营业外收入 │上海科创银行上年│ 7600.00│ 118400.00│ -93.58│
│ │纳入并表范围 │ │ │ │
│少数股东损益│归属于少数股东的│ 38800.00│ 57800.00│ -32.87│
│ │子公司利润减少 │ │ │ │
│其他综合收益│其他债权投资估值│ -709700.00│ 1104300.00│ -164.27│
│的税后净额 │变动 │ │ │ │
│经营活动产生│客户存款和同业及│ 37583600.00│ -33365400.00│ 212.64│
│/(使用)的现 │其他金融机构存放│ │ │ │
│金流量净额 │款项的现金净流入│ │ │ │
│ │增加 │ │ │ │
│投资活动使用│收回投资收到的现│ -3912000.00│ -8355200.00│ 53.18│
│的现金流量净│金增加 │ │ │ │
│额 │ │ │ │ │
│筹资活动(使 │偿还债务支付的现│-27409400.00│ 32747900.00│ -183.70│
│用)/产生的现│金增加 │ │ │ │
│金流量净额 │ │ │ │ │
│贵金属 │自营及代客贵金属│ 8238200.00│ 2306200.00│ 257.22│
│ │规模增加 │ │ │ │
│长期股权投资│对联营企业的股权│ 827400.00│ 180700.00│ 357.89│
│ │投资增加 │ │ │ │
│在建工程 │设备类资产采购额│ 196800.00│ 127200.00│ 54.72│
│ │增加 │ │ │ │
│同业及其他金│境内非银行金融机│141452800.00│ 87200000.00│ 62.22│
│融机构存放款│构存放款项增加 │ │ │ │
│项 │ │ │ │ │
│交易性金融负│与债券相关的金融│ 6686300.00│ 3317200.00│ 101.56│
│债 │负债增加 │ │ │ │
│卖出回购金融│卖出回购债券及票│ 30591400.00│ 50596200.00│ -39.54│
│资产款 │据减少 │ │ │ │
│资本公积 │可转换公司债券转│ 13446100.00│ 8192100.00│ 64.13│
│ │股 │ │ │ │
│其他综合收益│其他债权投资估值│ 603900.00│ 1303600.00│ -53.67│
│ │变动 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│ 43078400.00│ 42276700.00│ 41153900.00│ 53713100.00│ 45708900.00│ 42099600.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 12649900.00│ 13013100.00│ 11377200.00│ 10575300.00│ 16816900.00│ 12583600.00│
│发放贷款及垫款 │569687900.00│557250200.00│526916000.00│490469600.00│479835000.00│469095400.00│
│拆出资金 │ 44927100.00│ 46533200.00│ 41971000.00│ 45160900.00│ 35243400.00│ 30794500.00│
│贵金属 │ 11872700.00│ 8238200.00│ 2306200.00│ 1752600.00│ 1498800.00│ 1315100.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │124758000.00│125025600.00│132663800.00│127108200.00│119669100.00│130618800.00│
│其他债权投资 │ 92693300.00│ 87920100.00│ 78243800.00│ 61801700.00│ 64191800.00│ 47961900.00│
│其他权益工具投资 │ 1203100.00│ 1146400.00│ 902900.00│ 673000.00│ 787000.00│ 708200.00│
│长期股权投资 │ 830300.00│ 827400.00│ 180700.00│ 282500.00│ 265500.00│ 281900.00│
│固定资产 │ 6908800.00│ 6774900.00│ 5623500.00│ 4530800.00│ 3715700.00│ 3870800.00│
│商誉 │ 535100.00│ 535100.00│ 535100.00│ 535100.00│ 698100.00│ 698100.00│
│资产总计 │1030564600.0│1008174600.0│946188000.00│900724700.00│870465100.00│813675700.00│
│ │ 0│ 0│ │ │ │ │
│向中央银行借款 │ 15859600.00│ 13903900.00│ 11844200.00│ 23524200.00│ 16513300.00│ 23631700.00│
│同业及其他金融机构存│147568600.00│141452800.00│ 87200000.00│ 99103200.00│ 77033800.00│ 92407800.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 36068600.00│ 35916100.00│ 34960500.00│ 30267700.00│ 25646200.00│ 18269700.00│
│吸收存款 │585137600.00│565335800.00│522928200.00│506034400.00│489381200.00│446360800.00│
│卖出回购金融资产款 │ 21615400.00│ 30591400.00│ 50596200.00│ 51978400.00│ 35016800.00│ 17421900.00│
│负债合计 │946424700.00│925731600.00│871709900.00│827436300.00│799787600.00│745853900.00│
│实收资本(或股本) │ 3330600.00│ 3330600.00│ 2935200.00│ 2935200.00│ 2935200.00│ 2935200.00│
│资本公积 │ 13445000.00│ 13446100.00│ 8192100.00│ 8176200.00│ 8176200.00│ 8176200.00│
│盈余公积 │ 19655100.00│ 19655100.00│ 19222200.00│ 18892900.00│ 17438500.00│ 15929200.00│
│未分配利润 │ 26815900.00│ 25096300.00│ 23040100.00│ 20833300.00│ 20322000.00│ 19309600.00│
│归属于母公司所有者权│ 83377100.00│ 81691400.00│ 73632900.00│ 72474900.00│ 69787200.00│ 67000700.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 762800.00│ 751600.00│ 845200.00│ 813500.00│ 890300.00│ 821100.00│
│股东权益合计 │ 84139900.00│ 82443000.00│ 74478100.00│ 73288400.00│ 70677500.00│ 67821800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 43078400.00│ 42276700.00│ 32439000.00│ 37826100.00│ 37127700.00│ 41153900.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 12649900.00│ 13013100.00│ 12333500.00│ 12745300.00│ 7864900.00│ 11377200.00│
│发放贷款及垫款 │569687900.00│557250200.00│554128700.00│550555300.00│545551700.00│526916000.00│
│拆出资金 │ 44927100.00│ 46533200.00│ 45688800.00│ 42325300.00│ 45666400.00│ 41971000.00│
│贵金属 │ 11872700.00│ 8238200.00│ 10405700.00│ 2889800.00│ 2658800.00│ 2306200.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │124758000.00│125025600.00│123575600.00│118647300.00│122179600.00│132663800.00│
│其他债权投资 │ 92693300.00│ 87920100.00│ 86246800.00│ 82440500.00│ 80535400.00│ 78243800.00│
│其他权益工具投资 │ 1203100.00│ 1146400.00│ 1116600.00│ 1117400.00│ 907800.00│ 902900.00│
│长期股权投资 │ 830300.00│ 827400.00│ 193700.00│ 185400.00│ 184400.00│ 180700.00│
│固定资产 │ 6908800.00│ 6774900.00│ 6683600.00│ 6209500.00│ 5986600.00│ 5623500.00│
│商誉 │ 535100.00│ 535100.00│ 535100.00│ 535100.00│ 535100.00│ 535100.00│
│资产总计 │1030564600.0│1008174600.0│989221400.00│964579100.00│955227600.00│946188000.00│
│ │ 0│ 0│ │ │ │ │
│向中央银行借款 │ 15859600.00│ 13903900.00│ 10053300.00│ 9383800.00│ 8610300.00│ 11844200.00│
│同业及其他金融机构存│147568600.00│141452800.00│106503500.00│ 71955800.00│ 59090100.00│ 87200000.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 36068600.00│ 35916100.00│ 37927000.00│ 35163400.00│ 35851700.00│ 34960500.00│
│吸收存款 │585137600.00│565335800.00│569138900.00│566997900.00│554808900.00│522928200.00│
│卖出回购金融资产款 │ 21615400.00│ 30591400.00│ 45285000.00│ 54728600.00│ 54314300.00│ 50596200.00│
│负债合计 │946424700.00│925731600.00│905137000.00│884453900.00│879664700.00│871709900.00│
│实收资本(或股本) │ 3330600.00│ 3330600.00│ 3135500.00│ 3026400.00│ 2935200.00│ 2935200.00│
│资本公积 │ 13445000.00│ 13446100.00│ 10907500.00│ 9447000.00│ 8192100.00│ 8192100.00│
│盈余公积 │ 19655100.00│ 19655100.00│ 19655100.00│ 19655100.00│ 19222200.00│ 19222200.00│
│未分配利润 │ 26815900.00│ 25096300.00│ 24297600.00│ 23402000.00│ 24718800.00│ 23040100.00│
│归属于母公司所有者权│ 83377100.00│ 81691400.00│ 83229300.00│ 79285500.00│ 74716500.00│ 73632900.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 762800.00│ 751600.00│ 855100.00│ 839700.00│ 846400.00│ 845200.00│
│股东权益合计 │ 84139900.00│ 82443000.00│ 84084400.00│ 80125200.00│ 75562900.00│ 74478100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 4657300.00│ 17396400.00│ 17074800.00│ 17343400.00│ 18862200.00│ 19098200.00│
│利息净收入 │ 3210300.00│ 12048300.00│ 11471700.00│ 11843500.00│ 13366900.00│ 13595800.00│
│手续费及佣金净收入 │ 627300.00│ 2272500.00│ 2281600.00│ 2445300.00│ 2869100.00│ 2913400.00│
│投资收益 │ 338900.00│ 1939300.00│ 2914100.00│ 2790500.00│ 1987700.00│ 1729700.00│
│公允价值变动收益 │ 310100.00│ 544300.00│ -154900.00│ 256300.00│ -385400.00│ 450400.00│
│汇兑收益 │ -17500.00│ 25000.00│ 98800.00│ -353600.00│ 669200.00│ 81300.00│
│营业支出 │ 2478400.00│ 12035600.00│ 12330500.00│ 13269800.00│ 13234900.00│ 13177700.00│
│营业税金及附加 │ 44500.00│ 205100.00│ 197200.00│ 200200.00│ 205900.00│ 200400.00│
│业务及管理费 │ 1043500.00│ 4958200.00│ 4979500.00│ 5142400.00│ 5260700.00│ 4997800.00│
│资产减值损失 │ 1100.00│ 20100.00│ 4300.00│ 10900.00│ 4700.00│ 1300.00│
│营业利润 │ 2178900.00│ 5360800.00│ 4744300.00│ 4073600.00│ 5627300.00│ 5920500.00│
│营业外收入 │ 600.00│ 7600.00│ 118400.00│ 10100.00│ 7600.00│ 10300.00│
│营业外支出 │ 7100.00│ 31000.00│ 26100.00│ 14500.00│ 20000.00│ 23700.00│
│利润总额 │ 2172400.00│ 5337400.00│ 4836600.00│ 4069200.00│ 5614900.00│ 5907100.00│
│所得税 │ 355400.00│ 296900.00│ 253100.00│ 326300.00│ 415200.00│ 530500.00│
│净利润 │ 1817000.00│ 5040500.00│ 4583500.00│ 3742900.00│ 5199700.00│ 5376600.00│
│归属母公司净利润 │ 1786100.00│ 5001700.00│ 4525700.00│ 3670200.00│ 5117100.00│ 5300300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 4657300.00│ 17396400.00│ 13228000.00│ 9055900.00│ 4592200.00│ 17074800.00│
│利息净收入 │ 3210300.00│ 12048300.00│ 8960600.00│ 5830700.00│ 2855300.00│ 11471700.00│
│手续费及佣金净收入 │ 627300.00│ 2272500.00│ 1766500.00│ 1215700.00│ 663500.00│ 2281600.00│
│投资收益 │ 338900.00│ 1939300.00│ 1886700.00│ 1499800.00│ 823900.00│ 2914100.00│
│公允价值变动收益 │ 310100.00│ 544300.00│ 87200.00│ 62900.00│ -800.00│ -154900.00│
│汇兑收益 │ -17500.00│ 25000.00│ 99100.00│ 155700.00│ 95900.00│ 98800.00│
│营业支出 │ 2478400.00│ 12035600.00│ 9007300.00│ 5706100.00│ 2575800.00│ 12330500.00│
│营业税金及附加 │ 44500.00│ 205100.00│ 150800.00│ 98000.00│ 52700.00│ 197200.00│
│业务及管理费 │ 1043500.00│ 4958200.00│ 3641300.00│ 2270100.00│ 1129000.00│ 4979500.00│
│资产减值损失 │ 1100.00│ 20100.00│ 800.00│ 700.00│ 200.00│ 4300.00│
│营业利润 │ 2178900.00│ 5360800.00│ 4220700.00│ 3349800.00│ 2016400.00│ 4744300.00│
│营业外收入 │ 600.00│ 7600.00│ 1100.00│ 700.00│ 200.00│ 118400.00│
│营业外支出 │ 7100.00│ 31000.00│ 20200.00│ 36700.00│ 1100.00│ 26100.00│
│利润总额 │ 2172400.00│ 5337400.00│ 4201600.00│ 3313800.00│ 2015500.00│ 4836600.00│
│所得税 │ 355400.00│ 296900.00│ 284500.00│ 324400.00│ 237900.00│ 253100.00│
│净利润 │ 1817000.00│ 5040500.00│ 3917100.00│ 2989400.00│ 1777600.00│ 4583500.00│
│归属母公司净利润 │ 1786100.00│ 5001700.00│ 3881900.00│ 2973700.00│ 1759800.00│ 4525700.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 45737900.00│132119900.00│ 44709200.00│ 93579400.00│ 91410200.00│ 42778900.00│
│经营活动现金流出 │ 36565500.00│ 94536300.00│ 78074600.00│ 54739700.00│ 54900300.00│ 68498100.00│
│经营活动现金流量净额│ 9172400.00│ 37583600.00│-33365400.00│ 38839700.00│ 36509900.00│-25719200.00│
│投资活动现金流入 │ 66230400.00│254673400.00│209519600.00│211761800.00│177575300.00│162990000.00│
│投资活动现金流出 │ 64507900.00│258585400.00│217874800.00│214739900.00│194607700.00│158716000.00│
│投资活动现金流量净额│ 1722500.00│ -3912000.00│ -8355200.00│ -2978100.00│-17032400.00│ 4274000.00│
│筹资活动现金流入 │ 35920100.00│143202900.00│160719900.00│ 88684600.00│119252600.00│134636800.00│
│筹资活动现金流出 │ 43741900.00│170612300.00│127972000.00│125754000.00│123922800.00│123150300.00│
│筹资活动现金流量净额│ -7821800.00│-27409400.00│ 32747900.00│-37069400.00│ -4670200.00│ 11486500.00│
│汇率变动对现金的影响│ -128100.00│ -279500.00│ 122400.00│ 190100.00│ 810500.00│ -290500.00│
│现金及等价物净增加额│ 2945000.00│ 5982700.00│ -8850300.00│ -1017700.00│ 15617800.00│-10249200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 45737900.00│132119900.00│ 94132300.00│ 55523500.00│ 16647000.00│ 44709200.00│
│经营活动现金流出 │ 36565500.00│ 94536300.00│ 77584700.00│ 53397800.00│ 36847200.00│ 78074600.00│
│经营活动现金流量净额│ 9172400.00│ 37583600.00│ 16547600.00│ 2125700.00│-20200200.00│-33365400.00│
│投资活动现金流入 │ 66230400.00│254673400.00│175467200.00│131016100.00│ 66183800.00│209519600.00│
│投资活动现金流出 │ 64507900.00│258585400.00│169933900.00│116628200.00│ 49479000.00│217874800.00│
│投资活动现金流量净额│ 1722500.00│ -3912000.00│ 5533300.00│ 14387900.00│ 16704800.00│ -8355200.00│
│筹资活动现金流入 │ 35920100.00│143202900.00│ 99108400.00│ 73475100.00│ 40721600.00│160719900.00│
│筹资活动现金流出 │ 43741900.00│170612300.00│126500500.00│ 88328200.00│ 38695200.00│127972000.00│
│筹资活动现金流量净额│ -7821800.00│-27409400.00│-27392100.00│-14853100.00│ 2026400.00│ 32747900.00│
│汇率变动对现金的影响│ -128100.00│ -279500.00│ -145900.00│ -74800.00│ -18100.00│ 122400.00│
│现金及等价物净增加额│ 2945000.00│ 5982700.00│ -5457100.00│ 1585700.00│ -1487100.00│ -8850300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 4592200.00│ 26.40│ 1759800.00│ 35.18│
│二季报 │ 4463700.00│ 25.66│ 1213900.00│ 24.27│
│三季报 │ 4172100.00│ 23.98│ 908200.00│ 18.16│
│四季报 │ 4168400.00│ 23.96│ 1119800.00│ 22.39│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 4532800.00│ 26.55│ 1742100.00│ 38.49│
│二季报 │ 4292000.00│ 25.14│ 956700.00│ 21.14│
│三季报 │ 4159100.00│ 24.36│ 823500.00│ 18.20│
│四季报 │ 4090900.00│ 23.96│ 1003400.00│ 22.17│
└──────┴───────┴───────┴───────┴───────┘
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