财务分析☆ ◇600015 华夏银行 更新日期：2026-10-17◇ 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 │ 2026-06-30│ 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) │ 936500.00│ 2720000.00│ 2767600.00│ 2636300.00│ 2503500.00│ 2353500.00│
│归母净利(调整后:万) │ ---│ ---│ 2767600.00│ 2636300.00│ 2503500.00│ 2353500.00│
│净利润增长率(%) │ -18.35│ -1.72│ 4.98│ 5.30│ 6.37│ 10.62│
│扣非净利润(万) │ 935400.00│ 2715300.00│ 2767800.00│ 2627300.00│ 2513400.00│ 2357700.00│
│营业总收(未调整:万) │ 5130800.00│ 9191400.00│ 9714600.00│ 9320700.00│ 9380800.00│ 9587000.00│
│营业总收(调整后:万) │ ---│ ---│ 9714600.00│ 9320700.00│ 9380800.00│ 9587000.00│
│总营收同比增长率(%) │ 12.71│ -5.39│ 4.23│ -0.64│ -2.15│ 0.59│
│加权净资产收益率(%) │ 2.61│ 8.32│ 8.84│ 8.71│ 9.00│ 9.04│
│资产负债比率(%) │ 91.89│ 91.56│ 91.64│ 92.44│ 91.71│ 91.82│
│净利润现金含量(%) │ 1058.71│ 253.91│ 153.54│ 960.35│ 315.46│ 301.74│
│基本每股收益(元) │ 0.5300│ 1.6200│ 1.6200│ 1.4800│ 1.4300│ 1.3500│
│每股收益-扣除(元) │ 0.5300│ 1.6200│ 1.6200│ 1.4700│ 1.4400│ 1.3500│
│每股收益-摊薄(元) │ 0.5884│ 1.7091│ 1.7390│ 1.6565│ 1.5730│ 1.5295│
│每股资本公积金(元) │ 3.8160│ 3.8160│ 3.8159│ 3.8163│ 3.8177│ 3.4634│
│每股未分配利润(元) │ 9.7681│ 10.0349│ 9.0423│ 8.1583│ 7.3113│ 6.8520│
│每股净资产(元) │ 20.1300│ 19.8400│ 18.9700│ 17.5000│ 16.3700│ 15.4900│
│每股经营现金流量(元)│ 6.2300│ 4.3400│ 2.6700│ 15.9100│ 4.9600│ 4.6200│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 未经审计│ 无保留意见│ 未经审计│ 未经审计│ 未经审计│
│归母净利(未调整:万) │ 936500.00│ 498700.00│ 2720000.00│ 1798200.00│ 1147000.00│ 506300.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 1147000.00│ 506300.00│
│净利润增长率(%) │ -18.35│ -1.50│ -1.72│ -2.86│ -7.95│ -14.04│
│扣非净利润(万) │ 935400.00│ 498800.00│ 2715300.00│ 1782200.00│ 1129700.00│ 490400.00│
│营业总收(未调整:万) │ 5130800.00│ 2462200.00│ 9191400.00│ 6488100.00│ 4552200.00│ 1819400.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 4552200.00│ 1819400.00│
│总营收同比增长率(%) │ 12.71│ 35.33│ -5.39│ -8.79│ -5.86│ -17.73│
│加权净资产收益率(%) │ 2.61│ 1.57│ 8.32│ 5.41│ 3.42│ 1.67│
│资产负债比率(%) │ 91.89│ 91.69│ 91.56│ 91.88│ 91.88│ 91.84│
│净利润现金含量(%) │ 1058.71│ -724.38│ 253.91│ 494.22│ 1149.76│ 725.72│
│基本每股收益(元) │ 0.5300│ 0.3100│ 1.6200│ 1.0400│ 0.6600│ 0.3200│
│每股收益-扣除(元) │ 0.5300│ 0.3100│ 1.6200│ 1.0300│ 0.6500│ 0.3100│
│每股收益-摊薄(元) │ 0.5884│ 0.3134│ 1.7091│ 1.1299│ 0.7207│ 0.3181│
│每股资本公积金(元) │ 3.8160│ 3.8160│ 3.8160│ 3.8171│ 3.8159│ 3.8159│
│每股未分配利润(元) │ 9.7681│ 10.3461│ 10.0349│ 9.5618│ 9.1784│ 9.3511│
│每股净资产(元) │ 20.1300│ 20.1900│ 19.8400│ 19.3900│ 19.2100│ 19.1700│
│每股经营现金流量(元)│ 6.2300│ -2.2700│ 4.3400│ 5.5800│ 8.2900│ 2.3100│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【2.偿债能力指标】
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-06-30│ 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(%) │ 91.89│ 91.56│ 91.64│ 92.44│ 91.71│ 91.82│
│产权比率 │ 11.44│ 10.96│ 11.08│ 12.35│ 11.16│ 11.32│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 91.89│ 91.69│ 91.56│ 91.88│ 91.88│ 91.84│
│产权比率 │ 11.44│ 11.14│ 10.96│ 11.43│ 11.43│ 11.38│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
【3.营运能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-06-30│ 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 │ 0.65│ 1.30│ 1.59│ 2.26│ 4.57│ 7.00│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.02│ 0.02│ 0.03│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│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 │ 0.65│ 0.32│ 1.30│ 0.93│ 0.66│ 0.27│
│总资产周转率 │ 0.01│ 0.01│ 0.02│ 0.01│ 0.01│ 0.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.34│ 6.87│ 7.65│ 8.28│ 7.81│ 7.89│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 24.45│ 37.31│ 37.00│ 38.03│ 35.92│ 32.90│
│销售净利率 │ 18.88│ 30.19│ 29.02│ 28.80│ 27.17│ 24.93│
│总资产净利率 │ 0.20│ 0.61│ 0.65│ 0.66│ 0.67│ 0.68│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.34│ 1.24│ 6.87│ 4.88│ 3.14│ 1.39│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 24.45│ 26.96│ 37.31│ 37.49│ 33.98│ 36.94│
│销售净利率 │ 18.88│ 20.79│ 30.19│ 28.46│ 25.80│ 28.43│
│总资产净利率 │ 0.20│ 0.11│ 0.61│ 0.41│ 0.26│ 0.12│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【5.成长能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 12.71│ -5.39│ 4.23│ -0.64│ -2.15│ 0.59│
│营业利润增长率 │ -18.89│ -4.60│ 1.41│ 5.19│ 6.84│ 16.16│
│净利润增长率 │ -18.35│ -1.72│ 4.98│ 5.30│ 6.37│ 10.62│
│净资产增长率 │ 1.16│ 9.33│ 13.62│ -0.59│ 7.43│ 6.30│
│总资产增长率 │ 5.23│ 8.25│ 2.86│ 9.09│ 6.09│ 8.13│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 12.71│ 35.33│ -5.39│ -8.79│ -5.86│ -17.73│
│营业利润增长率 │ -18.89│ -1.25│ -4.60│ -2.83│ -7.91│ -14.79│
│净利润增长率 │ -18.35│ -1.50│ -1.72│ -2.86│ -7.95│ -14.04│
│净资产增长率 │ 1.16│ 1.42│ 9.33│ 1.82│ 1.02│ 0.84│
│总资产增长率 │ 5.23│ 2.97│ 8.25│ 4.80│ 3.96│ 3.31│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【6.银行专项指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 4518.38亿│ 4465.94亿│ 4188.20亿│ 3748.67亿│ 3771.07亿│ 3506.73亿│
│核心一级资本净额(元)│ 3230.42亿│ 3182.70亿│ 3043.66亿│ 2808.28亿│ 2624.99亿│ 2400.73亿│
│风险加权资产(元) │ 36554.65亿│ 33936.41亿│ ---│ 30652.77亿│ 28418.00亿│ 27351.28亿│
│存款总额(元) │ 25688.09亿│ 23816.99亿│ 21513.70亿│ 21299.45亿│ 20638.74亿│ 19043.63亿│
│贷款总额(元) │ 27699.95亿│ 25666.66亿│ 23663.17亿│ 23095.83亿│ 22729.73亿│ 22135.29亿│
│不良贷款(元) │ 414.65亿│ 398.86亿│ 379.14亿│ 385.05亿│ 398.70亿│ 390.73亿│
│存贷比例% │ 93.94│ 89.79│ 91.61│ 89.24│ 93.35│ 99.19│
│资本充足率% │ 12.36│ 13.16│ 13.44│ 12.23│ 13.27│ 12.82│
│核心一级资本充足率% │ 8.84│ 9.38│ 9.77│ 9.16│ 9.24│ 8.78│
│不良贷款率% │ 1.50│ 1.55│ 1.60│ 1.67│ 1.75│ 1.77│
│不良贷款拨备覆盖率% │ 144.80│ 143.30│ 161.89│ 160.06│ 159.88│ 150.99│
│净利差% │ 1.62│ 1.63│ 1.61│ 1.77│ 2.07│ 2.26│
│净息差% │ 1.59│ 1.56│ 1.59│ 1.82│ 2.10│ 2.35│
│成本收入比% │ 25.22│ 30.61│ 29.80│ 31.37│ 30.13│ 29.06│
│非利息收入占营业收入│ 32.65│ 31.51│ 36.11│ 24.42│ 20.80│ 16.97│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 3.11│ 3.36│ 3.76│ 4.02│ 4.28│ 4.52│
│计息负债平均成本率% │ 1.49│ 1.73│ 2.15│ 2.25│ 2.21│ 2.26│
│单一最大客户贷款比例│ 3.09│ 3.12│ 2.51│ 2.80│ 2.83│ 3.60│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 16.36│ 15.67│ 14.08│ 14.12│ 14.31│ 17.35│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 74.43│ 85.21│ 81.87│ 68.72│ 65.49│ 61.10│
│人民币)% │ │ │ │ │ │ │
│拆入资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
│拆出资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 4518.38亿│ 4527.32亿│ 4465.94亿│ 4209.99亿│ 4210.07亿│ 4204.73亿│
│核心一级资本净额(元)│ 3230.42亿│ 3240.38亿│ 3182.70亿│ 3110.12亿│ 3080.89亿│ 3074.07亿│
│风险加权资产(元) │ 36554.65亿│ 36143.85亿│ 33936.41亿│ 33335.64亿│ 32211.59亿│ ---│
│存款总额(元) │ 25688.09亿│ 25449.92亿│ 23816.99亿│ 23389.60亿│ 23231.59亿│ 22837.23亿│
│贷款总额(元) │ 27699.95亿│ 27666.35亿│ 25666.66亿│ 24355.94亿│ 24170.95亿│ 24749.78亿│
│不良贷款(元) │ 414.65亿│ 429.17亿│ 398.86亿│ 384.56亿│ 386.70亿│ 398.78亿│
│存贷比例% │ 93.94│ 93.00│ 89.79│ 87.23│ 87.97│ 91.88│
│资本充足率% │ 12.36│ 12.53│ 13.16│ 12.63│ 13.07│ 13.09│
│核心一级资本充足率% │ 8.84│ 8.97│ 9.38│ 9.33│ 9.56│ 9.57│
│不良贷款率% │ 1.50│ 1.55│ 1.55│ 1.58│ 1.60│ 1.61│
│不良贷款拨备覆盖率% │ 144.80│ 146.37│ 143.30│ 149.33│ 156.67│ 156.85│
│净利差% │ 1.62│ 1.66│ 1.63│ 1.62│ 1.59│ 1.62│
│净息差% │ 1.59│ 1.63│ 1.56│ 1.55│ 1.54│ 1.57│
│成本收入比% │ 25.22│ 21.71│ 30.61│ 29.95│ 29.01│ 27.46│
│非利息收入占营业收入│ 32.65│ ---│ 31.51│ ---│ 32.84│ ---│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 3.11│ ---│ 3.36│ ---│ 3.42│ ---│
│计息负债平均成本率% │ 1.49│ ---│ 1.73│ ---│ 1.83│ ---│
│单一最大客户贷款比例│ 3.09│ 3.09│ 3.12│ 3.33│ 2.50│ 2.50│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 16.36│ 16.02│ 15.67│ 15.14│ 14.11│ 14.22│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 74.43│ 76.03│ 85.21│ 74.54│ 80.79│ 83.43│
│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 │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 26552.83亿│ 24582.02亿│ 22673.69亿│ 22078.47亿│ 21698.26亿│ 21059.27亿│
│关注类(元) │ 732.47亿│ 685.78亿│ 610.34亿│ 632.31亿│ 632.77亿│ 685.29亿│
│次级类(元) │ 182.62亿│ 181.79亿│ 181.76亿│ 165.80亿│ 173.48亿│ 141.69亿│
│可疑类(元) │ 106.60亿│ 80.79亿│ 91.54亿│ 109.37亿│ 109.16亿│ 132.78亿│
│损失类(元) │ 125.43亿│ 136.28亿│ 105.84亿│ 109.88亿│ 116.06亿│ 116.26亿│
│贷款合计(元) │ 27699.95亿│ 25666.66亿│ 23663.17亿│ 23095.83亿│ 22729.73亿│ 22135.29亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.24│ 2.18│ 1.35│ 1.52│ 1.37│ 2.58│
│关注类贷款迁徙率% │ 26.82│ 36.37│ 27.11│ 29.37│ 29.38│ 22.68│
│次级类贷款迁徙率% │ 54.34│ 68.43│ 64.62│ 66.76│ 53.89│ 64.39│
│可疑类贷款迁徙率% │ 80.67│ 78.23│ 41.09│ 67.10│ 50.96│ 23.19│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 26552.83亿│ 26485.67亿│ 24582.02亿│ 23406.23亿│ 23173.95亿│ 23715.15亿│
│关注类(元) │ 732.47亿│ 751.51亿│ 685.78亿│ 565.15亿│ 610.30亿│ 635.85亿│
│次级类(元) │ 182.62亿│ 195.74亿│ 181.79亿│ 189.07亿│ 171.83亿│ 204.25亿│
│可疑类(元) │ 106.60亿│ 78.30亿│ 80.79亿│ 102.63亿│ 120.68亿│ 103.23亿│
│损失类(元) │ 125.43亿│ 155.13亿│ 136.28亿│ 92.86亿│ 94.19亿│ 91.30亿│
│贷款合计(元) │ 27699.95亿│ 27666.35亿│ 25666.66亿│ 24355.94亿│ 24170.95亿│ 24749.78亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.24│ ---│ 2.18│ ---│ 1.02│ ---│
│关注类贷款迁徙率% │ 26.82│ ---│ 36.37│ ---│ 23.45│ ---│
│次级类贷款迁徙率% │ 54.34│ ---│ 68.43│ ---│ 48.10│ ---│
│可疑类贷款迁徙率% │ 80.67│ ---│ 78.23│ ---│ 45.46│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【8.指标变动说明】
截止日期:2026-06-30
┌──────┬────────┬──────┬────────┬──────┐
│变动科目 │变动原因 │本期数值(万)│ 上期/期初数(万)│ 变动幅度(%)│
├──────┼────────┼──────┼────────┼──────┤
│向中央银行借│中期借贷便利增加│ 19318600.00│ 14425100.00│ 33.92│
│款 │ │ │ │ │
│其他负债 │应付待结算及清算│ 3954400.00│ 2564500.00│ 54.20│
│ │款项增加 │ │ │ │
│其他综合收益│其他债权投资公允│ 59600.00│ -69000.00│ 186.38│
│ │价值变动等 │ │ │ │
│手续费及佣金│--- │ 328200.00│ 309500.00│ 6.04│
│净收入 │ │ │ │ │
│投资收益 │金融资产投资收益│ 568200.00│ 863300.00│ -34.18│
│ │减少 │ │ │ │
│公允价值变动│交易性金融资产公│ 417000.00│ -18600.00│ 2341.94│
│损益 │允价值变动 │ │ │ │
│汇兑损益 │受市场汇率波动影│ 3200.00│ 24000.00│ -86.67│
│ │响 │ │ │ │
│其他业务收入│--- │ 353500.00│ 293900.00│ 20.28│
│资产处置损益│固定资产处置收益│ -300.00│ 19700.00│ -101.52│
│ │减少 │ │ │ │
│其他收益 │与日常经营活动相│ 5200.00│ 3000.00│ 73.33│
│ │关的其他收益增加│ │ │ │
│信用减值损失│计提发放贷款和垫│ 2340200.00│ -1498800.00│ 256.14│
│ │款减值损失增加 │ │ │ │
│其他资产减值│计提抵债资产减值│ 19700.00│ 9800.00│ 101.02│
│损失 │损失增加 │ │ │ │
│营业外收入 │营业外相关收入减│ 4800.00│ 7300.00│ -34.25│
│ │少 │ │ │ │
│营业收入 │--- │ 5130800.00│ 4552200.00│ 12.71│
│利息净收入 │--- │ 3455800.00│ 3057400.00│ 13.03│
│非利息净收入│--- │ 1675000.00│ 1494800.00│ 12.06│
│营业支出 │--- │ 3876200.00│ 3005500.00│ 28.97│
│税金及附加 │--- │ 50700.00│ 53300.00│ -4.88│
│业务及管理费│--- │ 1293800.00│ 1320500.00│ -2.02│
│信用及其他资│--- │ 2359900.00│ 1489000.00│ 58.49│
│产减值损失 │ │ │ │ │
│其他业务成本│--- │ 171800.00│ 142700.00│ 20.39│
│营业外收支净│--- │ -2100.00│ 1800.00│ -216.67│
│额 │ │ │ │ │
│利润总额 │--- │ 1252500.00│ 1548500.00│ -19.12│
│所得税费用 │--- │ 283700.00│ 374000.00│ -24.14│
│净利润 │--- │ 968800.00│ 1174500.00│ -17.51│
│发放贷款和垫│--- │271855400.00│ 251841600.00│ 7.95│
│款 │ │ │ │ │
│金融投资 │--- │172073400.00│ 171803900.00│ 0.16│
│现金及存放中│--- │ 20472700.00│ 18074800.00│ 13.27│
│央银行款项 │ │ │ │ │
│存放同业款项│--- │ 11622700.00│ 11131200.00│ 4.42│
│及拆出资金 │ │ │ │ │
│买入返售金融│--- │ 9564600.00│ 8868100.00│ 7.85│
│资产 │ │ │ │ │
│经营活动产生│客户贷款和垫款增│ 9914800.00│ 13187800.00│ -24.82│
│的现金净流入│加 │ │ │ │
│投资活动产生│收回投资收到的现│ 634800.00│ -2443700.00│ 125.98│
│的现金净流入│金增加 │ │ │ │
│筹资活动产生│偿还债务证券支付│ -7208600.00│ -3193400.00│ -125.73│
│的现金净流出│的现金增加 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│营业收入 │受资本市场波动 │ 2462200.00│ 1819400.00│ 35.33│
│公允价值变动│客户贷款和垫款增│ 220700.00│ -247300.00│ 189.24│
│收益 │加 │ │ │ │
│经营活动产生│客户贷款和垫款增│ -3612500.00│ 3674300.00│ -198.32│
│的现金流量净│加 │ │ │ │
│额 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【9.资产负债表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-06-30│ 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│ 20472700.00│ 18074800.00│ 16769900.00│ 20243400.00│ 17538300.00│ 18617400.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 3714900.00│ 2975200.00│ 2104800.00│ 1775800.00│ 1827700.00│ 1770300.00│
│发放贷款及垫款 │271855400.00│251841600.00│231335600.00│225659600.00│221769100.00│216296600.00│
│拆出资金 │ 7907800.00│ 8156000.00│ 6446900.00│ 5031400.00│ 5723400.00│ 8326300.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 88227800.00│ 86719700.00│ 89823600.00│ 98680500.00│ 68011100.00│ 71826600.00│
│其他债权投资 │ 38093600.00│ 37116000.00│ 30859200.00│ 29540800.00│ 24810500.00│ 19627200.00│
│其他权益工具投资 │ 588700.00│ 595400.00│ 623300.00│ 648900.00│ 713100.00│ 692400.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 8379800.00│ 7503900.00│ 6663500.00│ 5539500.00│ 2723000.00│ 1382500.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │498534800.00│473761900.00│437649100.00│425476600.00│390016700.00│367628700.00│
│向中央银行借款 │ 19318600.00│ 14425100.00│ 17158700.00│ 15356100.00│ 10083600.00│ 14971400.00│
│同业及其他金融机构存│ 66309400.00│ 64896700.00│ 57045700.00│ 57639100.00│ 55995700.00│ 54202800.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 23275500.00│ 22047100.00│ 23277400.00│ 20503600.00│ 16684200.00│ 11391600.00│
│吸收存款 │259711900.00│240962600.00│218413700.00│216588100.00│209466900.00│192734900.00│
│卖出回购金融资产款 │ 25466100.00│ 22641200.00│ 15541400.00│ 20282700.00│ 7363100.00│ 4651100.00│
│负债合计 │458079200.00│433781900.00│401080700.00│393300400.00│357684500.00│337558500.00│
│实收资本(或股本) │ 1591500.00│ 1591500.00│ 1591500.00│ 1591500.00│ 1591500.00│ 1538700.00│
│资本公积 │ 6073100.00│ 6073100.00│ 6073000.00│ 6073700.00│ 6075900.00│ 5329200.00│
│盈余公积 │ 3146800.00│ 2901800.00│ 2654900.00│ 2411900.00│ 2190900.00│ 1974700.00│
│未分配利润 │ 15546000.00│ 15970600.00│ 14390800.00│ 12983900.00│ 11636000.00│ 10543100.00│
│归属于母公司所有者权│ 40032000.00│ 39574600.00│ 36198200.00│ 31857900.00│ 32045700.00│ 29829200.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 423600.00│ 405400.00│ 370200.00│ 318300.00│ 286500.00│ 241000.00│
│股东权益合计 │ 40455600.00│ 39980000.00│ 36568400.00│ 32176200.00│ 32332200.00│ 30070200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│现金及存放中央银行款│ 20472700.00│ 18047800.00│ 18074800.00│ 16517900.00│ 16646500.00│ 16706200.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 3714900.00│ 3235700.00│ 2975200.00│ 3179200.00│ 2652300.00│ 1989700.00│
│发放贷款及垫款 │271855400.00│271238500.00│251841600.00│238689200.00│236499100.00│242108100.00│
│拆出资金 │ 7907800.00│ 8102500.00│ 8156000.00│ 5980100.00│ 6193200.00│ 6388300.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 88227800.00│ 88713000.00│ 86719700.00│ 87292500.00│ 85120000.00│ 89780600.00│
│其他债权投资 │ 38093600.00│ 38238900.00│ 37116000.00│ 39850900.00│ 36246400.00│ 34224500.00│
│其他权益工具投资 │ 588700.00│ 591100.00│ 595400.00│ 604200.00│ 606900.00│ 609400.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 8379800.00│ 7810000.00│ 7503900.00│ 7217400.00│ 7059700.00│ 6799500.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │498534800.00│487850200.00│473761900.00│458635800.00│454962500.00│452119900.00│
│向中央银行借款 │ 19318600.00│ 15813400.00│ 14425100.00│ 16536900.00│ 15182400.00│ 16555100.00│
│同业及其他金融机构存│ 66309400.00│ 61711800.00│ 64896700.00│ 54832300.00│ 58776500.00│ 57328200.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 23275500.00│ 22432300.00│ 22047100.00│ 20723600.00│ 21654300.00│ 22914400.00│
│吸收存款 │259711900.00│257054300.00│240962600.00│236655600.00│235033000.00│231073100.00│
│卖出回购金融资产款 │ 25466100.00│ 22663900.00│ 22641200.00│ 26205300.00│ 20916000.00│ 17791300.00│
│负债合计 │458079200.00│447294600.00│433781900.00│421375100.00│418010200.00│415237200.00│
│实收资本(或股本) │ 1591500.00│ 1591500.00│ 1591500.00│ 1591500.00│ 1591500.00│ 1591500.00│
│资本公积 │ 6073100.00│ 6073100.00│ 6073100.00│ 6074900.00│ 6073000.00│ 6073000.00│
│盈余公积 │ 3146800.00│ 2901800.00│ 2901800.00│ 2901800.00│ 2901800.00│ 2654900.00│
│未分配利润 │ 15546000.00│ 16465800.00│ 15970600.00│ 15217600.00│ 14607500.00│ 14882200.00│
│归属于母公司所有者权│ 40032000.00│ 40137000.00│ 39574600.00│ 36856900.00│ 36566700.00│ 36501400.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 423600.00│ 418600.00│ 405400.00│ 403800.00│ 385600.00│ 381300.00│
│股东权益合计 │ 40455600.00│ 40555600.00│ 39980000.00│ 37260700.00│ 36952300.00│ 36882700.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【10.利润表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 5130800.00│ 9191400.00│ 9714600.00│ 9320700.00│ 9380800.00│ 9587000.00│
│利息净收入 │ 3455800.00│ 6294800.00│ 6206300.00│ 7044200.00│ 7429300.00│ 7960500.00│
│手续费及佣金净收入 │ 328200.00│ 557600.00│ 544300.00│ 640200.00│ 1036900.00│ 925200.00│
│投资收益 │ 568200.00│ 2007300.00│ 1570000.00│ 942500.00│ 624700.00│ 406800.00│
│公允价值变动收益 │ 417000.00│ -353500.00│ 791200.00│ 260900.00│ 216100.00│ 241000.00│
│汇兑收益 │ 3200.00│ 37000.00│ 77000.00│ 54800.00│ 14400.00│ 32500.00│
│营业支出 │ 3876200.00│ 5762500.00│ 6120400.00│ 5776400.00│ 6011300.00│ 6433200.00│
│营业税金及附加 │ 50700.00│ 108400.00│ 106900.00│ 106600.00│ 105300.00│ 102800.00│
│业务及管理费 │ 1293800.00│ 2813300.00│ 2895400.00│ 2923600.00│ 2826400.00│ 2786300.00│
│资产减值损失 │ 19700.00│ 38900.00│ 36400.00│ 66600.00│ 3600.00│ 17800.00│
│营业利润 │ 1254600.00│ 3428900.00│ 3594200.00│ 3544300.00│ 3369500.00│ 3153800.00│
│营业外收入 │ 4800.00│ 14500.00│ 11200.00│ 16600.00│ 20300.00│ 17500.00│
│营业外支出 │ 6900.00│ 26000.00│ 17500.00│ 17000.00│ 31500.00│ 22000.00│
│利润总额 │ 1252500.00│ 3417400.00│ 3587900.00│ 3543900.00│ 3358300.00│ 3149300.00│
│所得税 │ 283700.00│ 642300.00│ 768300.00│ 859400.00│ 809300.00│ 759000.00│
│净利润 │ 968800.00│ 2775100.00│ 2819600.00│ 2684500.00│ 2549000.00│ 2390300.00│
│归属母公司净利润 │ 936500.00│ 2720000.00│ 2767600.00│ 2636300.00│ 2503500.00│ 2353500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 5130800.00│ 2462200.00│ 9191400.00│ 6488100.00│ 4552200.00│ 1819400.00│
│利息净收入 │ 3455800.00│ 1766900.00│ 6294800.00│ 4629400.00│ 3057400.00│ 1554500.00│
│手续费及佣金净收入 │ 328200.00│ 170600.00│ 557600.00│ 469400.00│ 309500.00│ 166500.00│
│投资收益 │ 568200.00│ 186800.00│ 2007300.00│ 1279900.00│ 863300.00│ 230000.00│
│公允价值变动收益 │ 417000.00│ 220700.00│ -353500.00│ -450500.00│ -18600.00│ -247300.00│
│汇兑收益 │ 3200.00│ -24000.00│ 37000.00│ 45600.00│ 24000.00│ -15000.00│
│营业支出 │ 3876200.00│ 1798500.00│ 5762500.00│ 4055500.00│ 3005500.00│ 1147300.00│
│营业税金及附加 │ 50700.00│ 25000.00│ 108400.00│ 76600.00│ 53300.00│ 25200.00│
│业务及管理费 │ 1293800.00│ 534500.00│ 2813300.00│ 1943300.00│ 1320500.00│ 499600.00│
│资产减值损失 │ 19700.00│ 3700.00│ 38900.00│ -5400.00│ -9800.00│ -17800.00│
│营业利润 │ 1254600.00│ 663700.00│ 3428900.00│ 2432600.00│ 1546700.00│ 672100.00│
│营业外收入 │ 4800.00│ 1500.00│ 14500.00│ 8900.00│ 7300.00│ 4900.00│
│营业外支出 │ 6900.00│ 4100.00│ 26000.00│ 9300.00│ 5500.00│ 3900.00│
│利润总额 │ 1252500.00│ 661100.00│ 3417400.00│ 2432200.00│ 1548500.00│ 673100.00│
│所得税 │ 283700.00│ 149100.00│ 642300.00│ 585600.00│ 374000.00│ 155900.00│
│净利润 │ 968800.00│ 512000.00│ 2775100.00│ 1846600.00│ 1174500.00│ 517200.00│
│归属母公司净利润 │ 936500.00│ 498700.00│ 2720000.00│ 1798200.00│ 1147000.00│ 506300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【11.现金流量表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │ 37821000.00│ 49831300.00│ 28774900.00│ 46083600.00│ 40586700.00│ 36801400.00│
│经营活动现金流出 │ 27906200.00│ 42925000.00│ 24525400.00│ 20765900.00│ 32689200.00│ 29699900.00│
│经营活动现金流量净额│ 9914800.00│ 6906300.00│ 4249500.00│ 25317700.00│ 7897500.00│ 7101500.00│
│投资活动现金流入 │192586200.00│369322700.00│189831700.00│132321300.00│ 91034700.00│ 68181200.00│
│投资活动现金流出 │191951400.00│369877800.00│190948100.00│159096100.00│ 99667700.00│ 78553300.00│
│投资活动现金流量净额│ 634800.00│ -555100.00│ -1116400.00│-26774800.00│ -8633000.00│-10372100.00│
│筹资活动现金流入 │ 450000.00│ 5650000.00│ 9400000.00│ 13100000.00│ 6799500.00│ 7100000.00│
│筹资活动现金流出 │ 7658600.00│ 4608500.00│ 12870700.00│ 10227800.00│ 4848700.00│ 6055000.00│
│筹资活动现金流量净额│ -7208600.00│ 1041500.00│ -3470700.00│ 2872200.00│ 1950800.00│ 1045000.00│
│汇率变动对现金的影响│ -37900.00│ -16700.00│ -12300.00│ 26400.00│ 92500.00│ -47900.00│
│现金及等价物净增加额│ 3303100.00│ 7376000.00│ -349900.00│ 1441500.00│ 1307800.00│ -2273500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │ 37821000.00│ 19963200.00│ 49831300.00│ 34782700.00│ 30099000.00│ 21547800.00│
│经营活动现金流出 │ 27906200.00│ 23575700.00│ 42925000.00│ 25895600.00│ 16911200.00│ 17873500.00│
│经营活动现金流量净额│ 9914800.00│ -3612500.00│ 6906300.00│ 8887100.00│ 13187800.00│ 3674300.00│
│投资活动现金流入 │192586200.00│ 85957900.00│369322700.00│202889200.00│186839700.00│ 57591000.00│
│投资活动现金流出 │191951400.00│ 87152700.00│369877800.00│211134600.00│189283400.00│ 60056500.00│
│投资活动现金流量净额│ 634800.00│ -1194800.00│ -555100.00│ -8245400.00│ -2443700.00│ -2465500.00│
│筹资活动现金流入 │ 450000.00│ 250000.00│ 5650000.00│ 3000000.00│ 1000000.00│ ---│
│筹资活动现金流出 │ 7658600.00│ 3376100.00│ 4608500.00│ 4431500.00│ 4193400.00│ 2428600.00│
│筹资活动现金流量净额│ -7208600.00│ -3126100.00│ 1041500.00│ -1431500.00│ -3193400.00│ -2428600.00│
│汇率变动对现金的影响│ -37900.00│ -20500.00│ -16700.00│ 5800.00│ 19900.00│ 9800.00│
│现金及等价物净增加额│ 3303100.00│ -7953900.00│ 7376000.00│ -784000.00│ 7570600.00│ -1210000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 1819400.00│ 19.79│ 506300.00│ 18.61│
│二季报 │ 2732800.00│ 29.73│ 640700.00│ 23.56│
│三季报 │ 1935900.00│ 21.06│ 651200.00│ 23.94│
│四季报 │ 2703300.00│ 29.41│ 921800.00│ 33.89│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 2211400.00│ 22.76│ 589000.00│ 21.28│
│二季报 │ 2624000.00│ 27.01│ 657000.00│ 23.74│
│三季报 │ 2278100.00│ 23.45│ 605100.00│ 21.86│
│四季报 │ 2601100.00│ 26.78│ 916500.00│ 33.12│
└──────┴───────┴───────┴───────┴───────┘
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