财务分析☆ ◇600015 华夏银行 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) │ 498700.00│ 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(%) │ -1.50│ -1.72│ 4.98│ 5.30│ 6.37│ 10.62│
│扣非净利润(万) │ 498800.00│ 2715300.00│ 2767800.00│ 2627300.00│ 2513400.00│ 2357700.00│
│营业总收(未调整:万) │ 2462200.00│ 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(%) │ 35.33│ -5.39│ 4.23│ -0.64│ -2.15│ 0.59│
│加权净资产收益率(%) │ 1.57│ 8.32│ 8.84│ 8.71│ 9.00│ 9.04│
│资产负债比率(%) │ 91.69│ 91.56│ 91.64│ 92.44│ 91.71│ 91.82│
│净利润现金含量(%) │ -724.38│ 253.91│ 153.54│ 960.35│ 315.46│ 301.74│
│基本每股收益(元) │ 0.3100│ 1.6200│ 1.6200│ 1.4800│ 1.4300│ 1.3500│
│每股收益-扣除(元) │ 0.3100│ 1.6200│ 1.6200│ 1.4700│ 1.4400│ 1.3500│
│每股收益-摊薄(元) │ 0.3134│ 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) │ 10.3461│ 10.0349│ 9.0423│ 8.1583│ 7.3113│ 6.8520│
│每股净资产(元) │ 20.1900│ 19.8400│ 18.9700│ 17.5000│ 16.3700│ 15.4900│
│每股经营现金流量(元)│ -2.2700│ 4.3400│ 2.6700│ 15.9100│ 4.9600│ 4.6200│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 498700.00│ 2720000.00│ 1798200.00│ 1147000.00│ 506300.00│ 2767600.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 506300.00│ 2767600.00│
│净利润增长率(%) │ -1.50│ -1.72│ -2.86│ -7.95│ -14.04│ 4.98│
│扣非净利润(万) │ 498800.00│ 2715300.00│ 1782200.00│ 1129700.00│ 490400.00│ 2767800.00│
│营业总收(未调整:万) │ 2462200.00│ 9191400.00│ 6488100.00│ 4552200.00│ 1819400.00│ 9714600.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 1819400.00│ 9714600.00│
│总营收同比增长率(%) │ 35.33│ -5.39│ -8.79│ -5.86│ -17.73│ 4.23│
│加权净资产收益率(%) │ 1.57│ 8.32│ 5.41│ 3.42│ 1.67│ 8.84│
│资产负债比率(%) │ 91.69│ 91.56│ 91.88│ 91.88│ 91.84│ 91.64│
│净利润现金含量(%) │ -724.38│ 253.91│ 494.22│ 1149.76│ 725.72│ 153.54│
│基本每股收益(元) │ 0.3100│ 1.6200│ 1.0400│ 0.6600│ 0.3200│ 1.6200│
│每股收益-扣除(元) │ 0.3100│ 1.6200│ 1.0300│ 0.6500│ 0.3100│ 1.6200│
│每股收益-摊薄(元) │ 0.3134│ 1.7091│ 1.1299│ 0.7207│ 0.3181│ 1.7390│
│每股资本公积金(元) │ 3.8160│ 3.8160│ 3.8171│ 3.8159│ 3.8159│ 3.8159│
│每股未分配利润(元) │ 10.3461│ 10.0349│ 9.5618│ 9.1784│ 9.3511│ 9.0423│
│每股净资产(元) │ 20.1900│ 19.8400│ 19.3900│ 19.2100│ 19.1700│ 18.9700│
│每股经营现金流量(元)│ -2.2700│ 4.3400│ 5.5800│ 8.2900│ 2.3100│ 2.6700│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 91.69│ 91.56│ 91.64│ 92.44│ 91.71│ 91.82│
│产权比率 │ 11.14│ 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 │2026-03-31│ 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(%) │ 91.69│ 91.56│ 91.88│ 91.88│ 91.84│ 91.64│
│产权比率 │ 11.14│ 10.96│ 11.43│ 11.43│ 11.38│ 11.08│
│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 │ 0.32│ 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 │ 2026-03-31│ 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 │ 0.32│ 1.30│ 0.93│ 0.66│ 0.27│ 1.59│
│总资产周转率 │ 0.01│ 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 │ 1.24│ 6.87│ 7.65│ 8.28│ 7.81│ 7.89│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 26.96│ 37.31│ 37.00│ 38.03│ 35.92│ 32.90│
│销售净利率 │ 20.79│ 30.19│ 29.02│ 28.80│ 27.17│ 24.93│
│总资产净利率 │ 0.11│ 0.61│ 0.65│ 0.66│ 0.67│ 0.68│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 1.24│ 6.87│ 4.88│ 3.14│ 1.39│ 7.65│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 26.96│ 37.31│ 37.49│ 33.98│ 36.94│ 37.00│
│销售净利率 │ 20.79│ 30.19│ 28.46│ 25.80│ 28.43│ 29.02│
│总资产净利率 │ 0.11│ 0.61│ 0.41│ 0.26│ 0.12│ 0.65│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 35.33│ -5.39│ 4.23│ -0.64│ -2.15│ 0.59│
│营业利润增长率 │ -1.25│ -4.60│ 1.41│ 5.19│ 6.84│ 16.16│
│净利润增长率 │ -1.50│ -1.72│ 4.98│ 5.30│ 6.37│ 10.62│
│净资产增长率 │ 1.42│ 9.33│ 13.62│ -0.59│ 7.43│ 6.30│
│总资产增长率 │ 2.97│ 8.25│ 2.86│ 9.09│ 6.09│ 8.13│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 35.33│ -5.39│ -8.79│ -5.86│ -17.73│ 4.23│
│营业利润增长率 │ -1.25│ -4.60│ -2.83│ -7.91│ -14.79│ 1.41│
│净利润增长率 │ -1.50│ -1.72│ -2.86│ -7.95│ -14.04│ 4.98│
│净资产增长率 │ 1.42│ 9.33│ 1.82│ 1.02│ 0.84│ 13.62│
│总资产增长率 │ 2.97│ 8.25│ 4.80│ 3.96│ 3.31│ 2.86│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 4527.32亿│ 4465.94亿│ 4188.20亿│ 3748.67亿│ 3771.07亿│ 3506.73亿│
│核心一级资本净额(元)│ 3240.38亿│ 3182.70亿│ 3043.66亿│ 2808.28亿│ 2624.99亿│ 2400.73亿│
│风险加权资产(元) │ 36143.85亿│ 33936.41亿│ ---│ 30652.77亿│ 28418.00亿│ 27351.28亿│
│存款总额(元) │ 25449.92亿│ 23816.99亿│ 21513.70亿│ 21299.45亿│ 20638.74亿│ 19043.63亿│
│贷款总额(元) │ 27666.35亿│ 25666.66亿│ 23663.17亿│ 23095.83亿│ 22729.73亿│ 22135.29亿│
│不良贷款(元) │ 429.17亿│ 398.86亿│ 379.14亿│ 385.05亿│ 398.70亿│ 390.73亿│
│存贷比例% │ 93.00│ 89.79│ 91.61│ 89.24│ 93.35│ 99.19│
│资本充足率% │ 12.53│ 13.16│ 13.44│ 12.23│ 13.27│ 12.82│
│核心一级资本充足率% │ 8.97│ 9.38│ 9.77│ 9.16│ 9.24│ 8.78│
│不良贷款率% │ 1.55│ 1.55│ 1.60│ 1.67│ 1.75│ 1.77│
│不良贷款拨备覆盖率% │ 146.37│ 143.30│ 161.89│ 160.06│ 159.88│ 150.99│
│净利差% │ 1.66│ 1.63│ 1.61│ 1.77│ 2.07│ 2.26│
│净息差% │ 1.63│ 1.56│ 1.59│ 1.82│ 2.10│ 2.35│
│成本收入比% │ 21.71│ 30.61│ 29.80│ 31.37│ 30.13│ 29.06│
│非利息收入占营业收入│ ---│ 31.51│ 36.11│ 24.42│ 20.80│ 16.97│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.36│ 3.76│ 4.02│ 4.28│ 4.52│
│计息负债平均成本率% │ ---│ 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│ 16.02│ 15.67│ 14.08│ 14.12│ 14.31│ 17.35│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 76.03│ 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 │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 4527.32亿│ 4465.94亿│ 4209.99亿│ 4210.07亿│ 4204.73亿│ 4188.20亿│
│核心一级资本净额(元)│ 3240.38亿│ 3182.70亿│ 3110.12亿│ 3080.89亿│ 3074.07亿│ 3043.66亿│
│风险加权资产(元) │ 36143.85亿│ 33936.41亿│ 33335.64亿│ 32211.59亿│ ---│ ---│
│存款总额(元) │ 25449.92亿│ 23816.99亿│ 23389.60亿│ 23231.59亿│ 22837.23亿│ 21513.70亿│
│贷款总额(元) │ 27666.35亿│ 25666.66亿│ 24355.94亿│ 24170.95亿│ 24749.78亿│ 23663.17亿│
│不良贷款(元) │ 429.17亿│ 398.86亿│ 384.56亿│ 386.70亿│ 398.78亿│ 379.14亿│
│存贷比例% │ 93.00│ 89.79│ 87.23│ 87.97│ 91.88│ 91.61│
│资本充足率% │ 12.53│ 13.16│ 12.63│ 13.07│ 13.09│ 13.44│
│核心一级资本充足率% │ 8.97│ 9.38│ 9.33│ 9.56│ 9.57│ 9.77│
│不良贷款率% │ 1.55│ 1.55│ 1.58│ 1.60│ 1.61│ 1.60│
│不良贷款拨备覆盖率% │ 146.37│ 143.30│ 149.33│ 156.67│ 156.85│ 161.89│
│净利差% │ 1.66│ 1.63│ 1.62│ 1.59│ 1.62│ 1.61│
│净息差% │ 1.63│ 1.56│ 1.55│ 1.54│ 1.57│ 1.59│
│成本收入比% │ 21.71│ 30.61│ 29.95│ 29.01│ 27.46│ 29.80│
│非利息收入占营业收入│ ---│ 31.51│ ---│ 32.84│ ---│ 36.11│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.36│ ---│ 3.42│ ---│ 3.76│
│计息负债平均成本率% │ ---│ 1.73│ ---│ 1.83│ ---│ 2.15│
│单一最大客户贷款比例│ 3.09│ 3.12│ 3.33│ 2.50│ 2.50│ 2.51│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 16.02│ 15.67│ 15.14│ 14.11│ 14.22│ 14.08│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 76.03│ 85.21│ 74.54│ 80.79│ 83.43│ 81.87│
│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) │ 26485.67亿│ 24582.02亿│ 22673.69亿│ 22078.47亿│ 21698.26亿│ 21059.27亿│
│关注类(元) │ 751.51亿│ 685.78亿│ 610.34亿│ 632.31亿│ 632.77亿│ 685.29亿│
│次级类(元) │ 195.74亿│ 181.79亿│ 181.76亿│ 165.80亿│ 173.48亿│ 141.69亿│
│可疑类(元) │ 78.30亿│ 80.79亿│ 91.54亿│ 109.37亿│ 109.16亿│ 132.78亿│
│损失类(元) │ 155.13亿│ 136.28亿│ 105.84亿│ 109.88亿│ 116.06亿│ 116.26亿│
│贷款合计(元) │ 27666.35亿│ 25666.66亿│ 23663.17亿│ 23095.83亿│ 22729.73亿│ 22135.29亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 2.18│ 1.35│ 1.52│ 1.37│ 2.58│
│关注类贷款迁徙率% │ ---│ 36.37│ 27.11│ 29.37│ 29.38│ 22.68│
│次级类贷款迁徙率% │ ---│ 68.43│ 64.62│ 66.76│ 53.89│ 64.39│
│可疑类贷款迁徙率% │ ---│ 78.23│ 41.09│ 67.10│ 50.96│ 23.19│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 26485.67亿│ 24582.02亿│ 23406.23亿│ 23173.95亿│ 23715.15亿│ 22673.69亿│
│关注类(元) │ 751.51亿│ 685.78亿│ 565.15亿│ 610.30亿│ 635.85亿│ 610.34亿│
│次级类(元) │ 195.74亿│ 181.79亿│ 189.07亿│ 171.83亿│ 204.25亿│ 181.76亿│
│可疑类(元) │ 78.30亿│ 80.79亿│ 102.63亿│ 120.68亿│ 103.23亿│ 91.54亿│
│损失类(元) │ 155.13亿│ 136.28亿│ 92.86亿│ 94.19亿│ 91.30亿│ 105.84亿│
│贷款合计(元) │ 27666.35亿│ 25666.66亿│ 24355.94亿│ 24170.95亿│ 24749.78亿│ 23663.17亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 2.18│ ---│ 1.02│ ---│ 1.35│
│关注类贷款迁徙率% │ ---│ 36.37│ ---│ 23.45│ ---│ 27.11│
│次级类贷款迁徙率% │ ---│ 68.43│ ---│ 48.10│ ---│ 64.62│
│可疑类贷款迁徙率% │ ---│ 78.23│ ---│ 45.46│ ---│ 41.09│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%)│
├──────┼────────┼──────┼────────┼──────┤
│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 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│营业收入 │--- │ 9191400.00│ 9714600.00│ -5.39│
│利息净收入 │--- │ 6294800.00│ 6206300.00│ 1.43│
│非利息净收入│--- │ 2896600.00│ 3508300.00│ -17.44│
│营业支出 │--- │ 5762500.00│ 6120400.00│ -5.85│
│税金及附加 │--- │ 108400.00│ 106900.00│ 1.40│
│业务及管理费│本集团通过持续推│ 2813300.00│ 2895400.00│ -2.84│
│ │进降本增效，坚持│ │ │ │
│ │费用精细化管理，│ │ │ │
│ │严控成本，有效提│ │ │ │
│ │升资源使用效率 │ │ │ │
│信用及其他资│发放贷款和垫款计│ 2541600.00│ 2879100.00│ -11.72│
│产减值损失 │提减值准备减少 │ │ │ │
│其他业务成本│--- │ 299200.00│ 239000.00│ 25.19│
│营业外收支净│--- │ -11500.00│ -6300.00│ -82.54│
│额 │ │ │ │ │
│利润总额 │--- │ 3417400.00│ 3587900.00│ -4.75│
│所得税 │--- │ 642300.00│ 768300.00│ -16.40│
│净利润 │--- │ 2775100.00│ 2819600.00│ -1.58│
│手续费及佣金│代理业务手续费及│ 557600.00│ 544300.00│ 2.44│
│净收入 │佣金收入增加 │ │ │ │
│投资收益 │资本市场波动导致│ 2007300.00│ 1570000.00│ 27.85│
│ │的公允价值变动 │ │ │ │
│公允价值变动│交易性金融资产公│ -353500.00│ 791200.00│ -144.68│
│损益 │允价值变动 │ │ │ │
│汇兑收益 │市场汇率波动 │ 37000.00│ 77000.00│ -51.95│
│其他业务收入│--- │ 623600.00│ 515600.00│ 20.95│
│资产处置损益│固定资产处置收益│ 19100.00│ 2400.00│ 695.83│
│ │增加 │ │ │ │
│其他收益 │--- │ 5500.00│ 7800.00│ -29.49│
│发放贷款和垫│--- │251841600.00│ 231335600.00│ 8.86│
│款 │ │ │ │ │
│金融投资 │债券投资增加 │171803900.00│ 165105500.00│ 4.06│
│现金及存放中│满足流动性安全和│ 18074800.00│ 16769900.00│ 7.78│
│央银行款项 │正常支付清算需要│ │ │ │
│ │，适当提高超额存│ │ │ │
│ │款准备金 │ │ │ │
│存放同业款项│拆出资金增加 │ 11131200.00│ 8551700.00│ 30.16│
│及拆出资金 │ │ │ │ │
│买入返售金融│买入返售债券增加│ 8868100.00│ 3138900.00│ 182.52│
│资产 │ │ │ │ │
│资产-其他 │--- │ 12042300.00│ 12747500.00│ -5.53│
│向中央银行借│--- │ 14425100.00│ 17158700.00│ -15.93│
│款 │ │ │ │ │
│吸收存款 │--- │240962600.00│ 218413700.00│ 10.32│
│同业及其他金│--- │ 86943800.00│ 80323100.00│ 8.24│
│融机构存放款│ │ │ │ │
│项及拆入资金│ │ │ │ │
│卖出回购金融│卖出回购债券增加│ 22641200.00│ 15541400.00│ 45.68│
│资产款 │ │ │ │ │
│应付债务凭证│--- │ 63829000.00│ 63698900.00│ 0.20│
│负债-其他 │--- │ 4980200.00│ 5944900.00│ -16.23│
│资产总额 │本集团发放贷款和│473761900.00│ 437649100.00│ 8.25│
│ │垫款、金融投资及│ │ │ │
│ │买入返售金融资产│ │ │ │
│ │增加 │ │ │ │
│负债总额 │吸收存款、同业及│433781900.00│ 401080700.00│ 8.15│
│ │其他金融机构存放│ │ │ │
│ │款项及卖出回购金│ │ │ │
│ │融资产款增加 │ │ │ │
│经营活动产生│客户存款和同业及│ 6906300.00│ 4249500.00│ 62.52│
│的现金流量净│其他金融机构存放│ │ │ │
│额 │款项增加 │ │ │ │
│投资活动产生│收回投资收到的现│ -555100.00│ -1116400.00│ 50.28│
│的现金流量净│金增加 │ │ │ │
│额 │ │ │ │ │
│筹资活动产生│偿还债务证券支付│ 1041500.00│ -3470700.00│ 130.01│
│的现金流量净│的现金减少 │ │ │ │
│额 │ │ │ │ │
│存放同业款项│存放境内同业增加│ 2975200.00│ 2104800.00│ 41.35│
│衍生金融资产│外汇掉期 │ 664600.00│ 2005700.00│ -66.86│
│递延所得税资│以公允价值计量的│ 637300.00│ 488500.00│ 30.46│
│产 │金融资产公允价值│ │ │ │
│ │变动 │ │ │ │
│衍生金融负债│外汇掉期 │ 642800.00│ 1985400.00│ -67.62│
│应交税费 │应交企业所得税增│ 354100.00│ 223400.00│ 58.50│
│ │加 │ │ │ │
│其他权益工具│发行永续债 │ 8000000.00│ 6000000.00│ 33.33│
│其他综合收益│其他债权投资公允│ -69000.00│ 477400.00│ -114.45│
│ │价值变动等 │ │ │ │
│营业外支出 │--- │ 26000.00│ 17500.00│ 48.57│
└──────┴────────┴──────┴────────┴──────┘
【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│ 18047800.00│ 18074800.00│ 16769900.00│ 20243400.00│ 17538300.00│ 18617400.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 3235700.00│ 2975200.00│ 2104800.00│ 1775800.00│ 1827700.00│ 1770300.00│
│发放贷款及垫款 │271238500.00│251841600.00│231335600.00│225659600.00│221769100.00│216296600.00│
│拆出资金 │ 8102500.00│ 8156000.00│ 6446900.00│ 5031400.00│ 5723400.00│ 8326300.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 88713000.00│ 86719700.00│ 89823600.00│ 98680500.00│ 68011100.00│ 71826600.00│
│其他债权投资 │ 38238900.00│ 37116000.00│ 30859200.00│ 29540800.00│ 24810500.00│ 19627200.00│
│其他权益工具投资 │ 591100.00│ 595400.00│ 623300.00│ 648900.00│ 713100.00│ 692400.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 7810000.00│ 7503900.00│ 6663500.00│ 5539500.00│ 2723000.00│ 1382500.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │487850200.00│473761900.00│437649100.00│425476600.00│390016700.00│367628700.00│
│向中央银行借款 │ 15813400.00│ 14425100.00│ 17158700.00│ 15356100.00│ 10083600.00│ 14971400.00│
│同业及其他金融机构存│ 61711800.00│ 64896700.00│ 57045700.00│ 57639100.00│ 55995700.00│ 54202800.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 22432300.00│ 22047100.00│ 23277400.00│ 20503600.00│ 16684200.00│ 11391600.00│
│吸收存款 │257054300.00│240962600.00│218413700.00│216588100.00│209466900.00│192734900.00│
│卖出回购金融资产款 │ 22663900.00│ 22641200.00│ 15541400.00│ 20282700.00│ 7363100.00│ 4651100.00│
│负债合计 │447294600.00│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 │ 2901800.00│ 2901800.00│ 2654900.00│ 2411900.00│ 2190900.00│ 1974700.00│
│未分配利润 │ 16465800.00│ 15970600.00│ 14390800.00│ 12983900.00│ 11636000.00│ 10543100.00│
│归属于母公司所有者权│ 40137000.00│ 39574600.00│ 36198200.00│ 31857900.00│ 32045700.00│ 29829200.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 418600.00│ 405400.00│ 370200.00│ 318300.00│ 286500.00│ 241000.00│
│股东权益合计 │ 40555600.00│ 39980000.00│ 36568400.00│ 32176200.00│ 32332200.00│ 30070200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 18047800.00│ 18074800.00│ 16517900.00│ 16646500.00│ 16706200.00│ 16769900.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 3235700.00│ 2975200.00│ 3179200.00│ 2652300.00│ 1989700.00│ 2104800.00│
│发放贷款及垫款 │271238500.00│251841600.00│238689200.00│236499100.00│242108100.00│231335600.00│
│拆出资金 │ 8102500.00│ 8156000.00│ 5980100.00│ 6193200.00│ 6388300.00│ 6446900.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 88713000.00│ 86719700.00│ 87292500.00│ 85120000.00│ 89780600.00│ 89823600.00│
│其他债权投资 │ 38238900.00│ 37116000.00│ 39850900.00│ 36246400.00│ 34224500.00│ 30859200.00│
│其他权益工具投资 │ 591100.00│ 595400.00│ 604200.00│ 606900.00│ 609400.00│ 623300.00│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 7810000.00│ 7503900.00│ 7217400.00│ 7059700.00│ 6799500.00│ 6663500.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │487850200.00│473761900.00│458635800.00│454962500.00│452119900.00│437649100.00│
│向中央银行借款 │ 15813400.00│ 14425100.00│ 16536900.00│ 15182400.00│ 16555100.00│ 17158700.00│
│同业及其他金融机构存│ 61711800.00│ 64896700.00│ 54832300.00│ 58776500.00│ 57328200.00│ 57045700.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 22432300.00│ 22047100.00│ 20723600.00│ 21654300.00│ 22914400.00│ 23277400.00│
│吸收存款 │257054300.00│240962600.00│236655600.00│235033000.00│231073100.00│218413700.00│
│卖出回购金融资产款 │ 22663900.00│ 22641200.00│ 26205300.00│ 20916000.00│ 17791300.00│ 15541400.00│
│负债合计 │447294600.00│433781900.00│421375100.00│418010200.00│415237200.00│401080700.00│
│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│ 6074900.00│ 6073000.00│ 6073000.00│ 6073000.00│
│盈余公积 │ 2901800.00│ 2901800.00│ 2901800.00│ 2901800.00│ 2654900.00│ 2654900.00│
│未分配利润 │ 16465800.00│ 15970600.00│ 15217600.00│ 14607500.00│ 14882200.00│ 14390800.00│
│归属于母公司所有者权│ 40137000.00│ 39574600.00│ 36856900.00│ 36566700.00│ 36501400.00│ 36198200.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 418600.00│ 405400.00│ 403800.00│ 385600.00│ 381300.00│ 370200.00│
│股东权益合计 │ 40555600.00│ 39980000.00│ 37260700.00│ 36952300.00│ 36882700.00│ 36568400.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 2462200.00│ 9191400.00│ 9714600.00│ 9320700.00│ 9380800.00│ 9587000.00│
│利息净收入 │ 1766900.00│ 6294800.00│ 6206300.00│ 7044200.00│ 7429300.00│ 7960500.00│
│手续费及佣金净收入 │ 170600.00│ 557600.00│ 544300.00│ 640200.00│ 1036900.00│ 925200.00│
│投资收益 │ 186800.00│ 2007300.00│ 1570000.00│ 942500.00│ 624700.00│ 406800.00│
│公允价值变动收益 │ 220700.00│ -353500.00│ 791200.00│ 260900.00│ 216100.00│ 241000.00│
│汇兑收益 │ -24000.00│ 37000.00│ 77000.00│ 54800.00│ 14400.00│ 32500.00│
│营业支出 │ 1798500.00│ 5762500.00│ 6120400.00│ 5776400.00│ 6011300.00│ 6433200.00│
│营业税金及附加 │ 25000.00│ 108400.00│ 106900.00│ 106600.00│ 105300.00│ 102800.00│
│业务及管理费 │ 534500.00│ 2813300.00│ 2895400.00│ 2923600.00│ 2826400.00│ 2786300.00│
│资产减值损失 │ 3700.00│ 38900.00│ 36400.00│ 66600.00│ 3600.00│ 17800.00│
│营业利润 │ 663700.00│ 3428900.00│ 3594200.00│ 3544300.00│ 3369500.00│ 3153800.00│
│营业外收入 │ 1500.00│ 14500.00│ 11200.00│ 16600.00│ 20300.00│ 17500.00│
│营业外支出 │ 4100.00│ 26000.00│ 17500.00│ 17000.00│ 31500.00│ 22000.00│
│利润总额 │ 661100.00│ 3417400.00│ 3587900.00│ 3543900.00│ 3358300.00│ 3149300.00│
│所得税 │ 149100.00│ 642300.00│ 768300.00│ 859400.00│ 809300.00│ 759000.00│
│净利润 │ 512000.00│ 2775100.00│ 2819600.00│ 2684500.00│ 2549000.00│ 2390300.00│
│归属母公司净利润 │ 498700.00│ 2720000.00│ 2767600.00│ 2636300.00│ 2503500.00│ 2353500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2462200.00│ 9191400.00│ 6488100.00│ 4552200.00│ 1819400.00│ 9714600.00│
│利息净收入 │ 1766900.00│ 6294800.00│ 4629400.00│ 3057400.00│ 1554500.00│ 6206300.00│
│手续费及佣金净收入 │ 170600.00│ 557600.00│ 469400.00│ 309500.00│ 166500.00│ 544300.00│
│投资收益 │ 186800.00│ 2007300.00│ 1279900.00│ 863300.00│ 230000.00│ 1570000.00│
│公允价值变动收益 │ 220700.00│ -353500.00│ -450500.00│ -18600.00│ -247300.00│ 791200.00│
│汇兑收益 │ -24000.00│ 37000.00│ 45600.00│ 24000.00│ -15000.00│ 77000.00│
│营业支出 │ 1798500.00│ 5762500.00│ 4055500.00│ 3005500.00│ 1147300.00│ 6120400.00│
│营业税金及附加 │ 25000.00│ 108400.00│ 76600.00│ 53300.00│ 25200.00│ 106900.00│
│业务及管理费 │ 534500.00│ 2813300.00│ 1943300.00│ 1320500.00│ 499600.00│ 2895400.00│
│资产减值损失 │ 3700.00│ 38900.00│ -5400.00│ -9800.00│ -17800.00│ 36400.00│
│营业利润 │ 663700.00│ 3428900.00│ 2432600.00│ 1546700.00│ 672100.00│ 3594200.00│
│营业外收入 │ 1500.00│ 14500.00│ 8900.00│ 7300.00│ 4900.00│ 11200.00│
│营业外支出 │ 4100.00│ 26000.00│ 9300.00│ 5500.00│ 3900.00│ 17500.00│
│利润总额 │ 661100.00│ 3417400.00│ 2432200.00│ 1548500.00│ 673100.00│ 3587900.00│
│所得税 │ 149100.00│ 642300.00│ 585600.00│ 374000.00│ 155900.00│ 768300.00│
│净利润 │ 512000.00│ 2775100.00│ 1846600.00│ 1174500.00│ 517200.00│ 2819600.00│
│归属母公司净利润 │ 498700.00│ 2720000.00│ 1798200.00│ 1147000.00│ 506300.00│ 2767600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 19963200.00│ 49831300.00│ 28774900.00│ 46083600.00│ 40586700.00│ 36801400.00│
│经营活动现金流出 │ 23575700.00│ 42925000.00│ 24525400.00│ 20765900.00│ 32689200.00│ 29699900.00│
│经营活动现金流量净额│ -3612500.00│ 6906300.00│ 4249500.00│ 25317700.00│ 7897500.00│ 7101500.00│
│投资活动现金流入 │ 85957900.00│369322700.00│189831700.00│132321300.00│ 91034700.00│ 68181200.00│
│投资活动现金流出 │ 87152700.00│369877800.00│190948100.00│159096100.00│ 99667700.00│ 78553300.00│
│投资活动现金流量净额│ -1194800.00│ -555100.00│ -1116400.00│-26774800.00│ -8633000.00│-10372100.00│
│筹资活动现金流入 │ 250000.00│ 5650000.00│ 9400000.00│ 13100000.00│ 6799500.00│ 7100000.00│
│筹资活动现金流出 │ 3376100.00│ 4608500.00│ 12870700.00│ 10227800.00│ 4848700.00│ 6055000.00│
│筹资活动现金流量净额│ -3126100.00│ 1041500.00│ -3470700.00│ 2872200.00│ 1950800.00│ 1045000.00│
│汇率变动对现金的影响│ -20500.00│ -16700.00│ -12300.00│ 26400.00│ 92500.00│ -47900.00│
│现金及等价物净增加额│ -7953900.00│ 7376000.00│ -349900.00│ 1441500.00│ 1307800.00│ -2273500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 19963200.00│ 49831300.00│ 34782700.00│ 30099000.00│ 21547800.00│ 28774900.00│
│经营活动现金流出 │ 23575700.00│ 42925000.00│ 25895600.00│ 16911200.00│ 17873500.00│ 24525400.00│
│经营活动现金流量净额│ -3612500.00│ 6906300.00│ 8887100.00│ 13187800.00│ 3674300.00│ 4249500.00│
│投资活动现金流入 │ 85957900.00│369322700.00│202889200.00│186839700.00│ 57591000.00│189831700.00│
│投资活动现金流出 │ 87152700.00│369877800.00│211134600.00│189283400.00│ 60056500.00│190948100.00│
│投资活动现金流量净额│ -1194800.00│ -555100.00│ -8245400.00│ -2443700.00│ -2465500.00│ -1116400.00│
│筹资活动现金流入 │ 250000.00│ 5650000.00│ 3000000.00│ 1000000.00│ ---│ 9400000.00│
│筹资活动现金流出 │ 3376100.00│ 4608500.00│ 4431500.00│ 4193400.00│ 2428600.00│ 12870700.00│
│筹资活动现金流量净额│ -3126100.00│ 1041500.00│ -1431500.00│ -3193400.00│ -2428600.00│ -3470700.00│
│汇率变动对现金的影响│ -20500.00│ -16700.00│ 5800.00│ 19900.00│ 9800.00│ -12300.00│
│现金及等价物净增加额│ -7953900.00│ 7376000.00│ -784000.00│ 7570600.00│ -1210000.00│ -349900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│
└──────┴───────┴───────┴───────┴───────┘
〖免责条款〗
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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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