财务分析☆ ◇600016 民生银行 更新日期：2026-08-22◇ 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) │ 1151400.00│ 3056300.00│ 3229600.00│ 3582300.00│ 3526900.00│ 3438100.00│
│归母净利(调整后:万) │ ---│ ---│ 3229600.00│ 3582300.00│ 3526900.00│ 3438100.00│
│净利润增长率(%) │ -9.64│ -5.37│ -9.85│ 1.57│ 2.58│ 0.21│
│扣非净利润(万) │ 1151900.00│ 3092600.00│ 3227900.00│ 3570800.00│ 3509100.00│ 3449500.00│
│营业总收(未调整:万) │ 3782200.00│ 14286500.00│ 13629000.00│ 14081700.00│ 14247600.00│ 16880400.00│
│营业总收(调整后:万) │ ---│ ---│ 13629000.00│ 14081700.00│ 14247600.00│ 16880400.00│
│总营收同比增长率(%) │ 2.74│ 4.82│ -3.21│ -1.16│ -15.60│ -8.73│
│加权净资产收益率(%) │ 2.02│ 4.93│ 5.18│ 6.10│ 6.31│ 6.59│
│资产负债比率(%) │ 90.90│ 91.02│ 91.60│ 91.69│ 91.55│ 91.56│
│净利润现金含量(%) │ -3.10│ -515.25│ -717.23│ 205.67│ 471.44│ 452.04│
│基本每股收益(元) │ 0.2600│ 0.6300│ 0.6400│ 0.7200│ 0.7100│ 0.7100│
│每股收益-扣除(元) │ 0.2631│ 0.6400│ 0.6400│ 0.7200│ 0.7100│ 0.7100│
│每股收益-摊薄(元) │ 0.2630│ 0.6981│ 0.7377│ 0.8182│ 0.8056│ 0.7853│
│每股资本公积金(元) │ 1.3283│ 1.3280│ 1.3267│ 1.3281│ 1.3281│ 1.3281│
│每股未分配利润(元) │ 6.9075│ 6.6465│ 6.3412│ 6.2045│ 5.8900│ 5.5535│
│每股净资产(元) │ 13.1446│ 12.9000│ 12.5100│ 12.1000│ 11.5300│ 11.0600│
│每股经营现金流量(元)│ -0.0100│ -3.6000│ -5.2900│ 1.6800│ 3.8000│ 3.5500│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 1151400.00│ 3056300.00│ 2854200.00│ 2138000.00│ 1274200.00│ 3229600.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 1274200.00│ 3229600.00│
│净利润增长率(%) │ -9.64│ -5.37│ -6.38│ -4.87│ -5.13│ -9.85│
│扣非净利润(万) │ 1151900.00│ 3092600.00│ 2878300.00│ 2150700.00│ 1292700.00│ 3227900.00│
│营业总收(未调整:万) │ 3782200.00│ 14286500.00│ 10850900.00│ 7238400.00│ 3681300.00│ 13629000.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 3681300.00│ 13629000.00│
│总营收同比增长率(%) │ 2.74│ 4.82│ 6.74│ 7.83│ 7.41│ -3.21│
│加权净资产收益率(%) │ 2.02│ 4.93│ 4.61│ 3.57│ 2.31│ 5.18│
│资产负债比率(%) │ 90.90│ 91.02│ 91.10│ 90.96│ 91.44│ 91.60│
│净利润现金含量(%) │ -3.10│ -515.25│ 161.36│ -1024.52│ -921.79│ -717.23│
│基本每股收益(元) │ 0.2600│ 0.6300│ 0.5900│ 0.4500│ 0.2900│ 0.6400│
│每股收益-扣除(元) │ 0.2631│ 0.6400│ 0.6574│ 0.4600│ 0.2953│ 0.6400│
│每股收益-摊薄(元) │ 0.2630│ 0.6981│ 0.6519│ 0.4883│ 0.2910│ 0.7377│
│每股资本公积金(元) │ 1.3283│ 1.3280│ 1.3280│ 1.3267│ 1.3268│ 1.3267│
│每股未分配利润(元) │ 6.9075│ 6.6465│ 6.7220│ 6.7300│ 6.6306│ 6.3412│
│每股净资产(元) │ 13.1446│ 12.9000│ 12.8300│ 12.8700│ 12.7300│ 12.5100│
│每股经营现金流量(元)│ -0.0100│ -3.6000│ 1.0500│ -5.0000│ -2.6800│ -5.2900│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【2.偿债能力指标】
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 90.90│ 91.02│ 91.60│ 91.69│ 91.55│ 91.56│
│产权比率 │ 10.18│ 10.34│ 11.14│ 11.27│ 11.07│ 11.09│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 90.90│ 91.02│ 91.10│ 90.96│ 91.44│ 91.60│
│产权比率 │ 10.18│ 10.34│ 10.44│ 10.26│ 10.91│ 11.14│
│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 │ 0.79│ 2.87│ 2.65│ 2.77│ 2.91│ 3.31│
│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 │ 0.79│ 2.87│ 2.16│ 1.43│ 0.73│ 2.65│
│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 │ 1.64│ 4.43│ 5.02│ 5.74│ 5.88│ 5.99│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 34.40│ 22.99│ 25.20│ 26.69│ 26.26│ 21.41│
│销售净利率 │ 30.38│ 21.41│ 24.01│ 25.56│ 25.11│ 20.65│
│总资产净利率 │ 0.15│ 0.39│ 0.42│ 0.48│ 0.50│ 0.50│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 1.64│ 4.43│ 4.16│ 3.11│ 1.95│ 5.02│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 34.40│ 22.99│ 27.75│ 31.95│ 39.52│ 25.20│
│销售净利率 │ 30.38│ 21.41│ 26.30│ 29.67│ 34.72│ 24.01│
│总资产净利率 │ 0.15│ 0.39│ 0.36│ 0.28│ 0.16│ 0.42│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 2.74│ 4.82│ -3.21│ -1.16│ -15.60│ -8.73│
│营业利润增长率 │ -10.56│ -4.37│ -8.63│ 0.45│ 3.54│ -2.82│
│净利润增长率 │ -9.64│ -5.37│ -9.85│ 1.57│ 2.58│ 0.21│
│净资产增长率 │ 1.57│ 7.28│ 2.92│ 4.11│ 4.47│ 8.45│
│总资产增长率 │ 0.20│ 0.23│ 1.82│ 5.78│ 4.36│ 0.04│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.74│ 4.82│ 6.74│ 7.83│ 7.41│ -3.21│
│营业利润增长率 │ -10.56│ -4.37│ -6.05│ -1.35│ -4.52│ -8.63│
│净利润增长率 │ -9.64│ -5.37│ -6.38│ -4.87│ -5.13│ -9.85│
│净资产增长率 │ 1.57│ 7.28│ 6.85│ 7.11│ 1.46│ 2.92│
│总资产增长率 │ 0.20│ 0.23│ 0.74│ -0.59│ -0.40│ 1.82│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 7828.49亿│ 7849.43亿│ 7529.93亿│ 7554.16亿│ 7251.36亿│ 7337.03亿│
│核心一级资本净额(元)│ 5738.14亿│ 5635.54亿│ 5466.89亿│ 5338.52亿│ 5059.78亿│ 4865.52亿│
│风险加权资产(元) │ ---│ 60110.48亿│ 58427.16亿│ 57500.72亿│ 55172.89亿│ 53794.58亿│
│存款总额(元) │ 43474.13亿│ 42772.38亿│ 42490.95亿│ 42830.03亿│ 39935.27亿│ 37757.61亿│
│贷款总额(元) │ 45269.87亿│ 44306.10亿│ 44504.80亿│ 43848.77亿│ 41411.44亿│ 40456.92亿│
│不良贷款(元) │ 661.32亿│ 661.54亿│ 656.10亿│ 650.97亿│ 693.87亿│ 723.38亿│
│存贷比例% │ 103.51│ 102.75│ 103.59│ 101.55│ 102.94│ 106.42│
│资本充足率% │ 12.76│ 13.06│ 12.89│ 13.14│ 13.14│ 13.64│
│核心一级资本充足率% │ 9.35│ 9.38│ 9.36│ 9.28│ 9.17│ 9.04│
│不良贷款率% │ 1.46│ 1.49│ 1.47│ 1.48│ 1.68│ 1.79│
│不良贷款拨备覆盖率% │ 141.94│ 142.04│ 141.94│ 149.69│ 142.49│ 145.30│
│净利差% │ 1.35│ 1.31│ 1.28│ 1.37│ 1.51│ 1.81│
│净息差% │ 1.43│ 1.40│ 1.39│ 1.46│ 1.60│ 1.91│
│成本收入比% │ 25.92│ 35.70│ 37.65│ 36.10│ 35.61│ 29.17│
│非利息收入占营业收入│ ---│ 29.92│ 27.59│ 27.26│ 24.57│ 25.49│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.12│ 3.55│ 3.80│ 3.91│ 4.21│
│计息负债平均成本率% │ ---│ 1.81│ 2.27│ 2.43│ 2.40│ 2.40│
│单一最大客户贷款比例│ ---│ 1.42│ 2.42│ 3.44│ 2.17│ 1.57│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 8.34│ 10.17│ 10.45│ 11.17│ 9.76│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 71.23│ 80.74│ 64.05│ ---│ ---│
│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) │ 7828.49亿│ 7849.43亿│ 7797.31亿│ 7864.15亿│ 7538.94亿│ 7529.93亿│
│核心一级资本净额(元)│ 5738.14亿│ 5635.54亿│ 5605.76亿│ 5638.00亿│ 5546.05亿│ 5466.89亿│
│风险加权资产(元) │ ---│ 60110.48亿│ ---│ 59335.62亿│ ---│ 58427.16亿│
│存款总额(元) │ 43474.13亿│ 42772.38亿│ 42556.02亿│ 43110.02亿│ 43563.95亿│ 42490.95亿│
│贷款总额(元) │ 45269.87亿│ 44306.10亿│ 44367.59亿│ 44698.74亿│ 45204.67亿│ 44504.80亿│
│不良贷款(元) │ 661.32亿│ 661.54亿│ 658.57亿│ 660.52亿│ 660.45亿│ 656.10亿│
│存贷比例% │ 103.51│ 102.75│ 103.43│ 102.89│ 102.78│ 103.59│
│资本充足率% │ 12.76│ 13.06│ 12.87│ 13.25│ 12.69│ 12.89│
│核心一级资本充足率% │ 9.35│ 9.38│ 9.25│ 9.50│ 9.34│ 9.36│
│不良贷款率% │ 1.46│ 1.49│ 1.48│ 1.48│ 1.46│ 1.47│
│不良贷款拨备覆盖率% │ 141.94│ 142.04│ 143.00│ 145.06│ 144.27│ 141.94│
│净利差% │ 1.35│ 1.31│ 1.32│ 1.30│ 1.30│ 1.28│
│净息差% │ 1.43│ 1.40│ 1.42│ 1.39│ 1.41│ 1.39│
│成本收入比% │ 25.92│ 35.70│ 31.70│ 28.54│ 27.46│ 37.65│
│非利息收入占营业收入│ ---│ 29.92│ ---│ 32.03│ ---│ 27.59│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.12│ ---│ 3.23│ ---│ 3.55│
│计息负债平均成本率% │ ---│ 1.81│ ---│ 1.93│ ---│ 2.27│
│单一最大客户贷款比例│ ---│ 1.42│ ---│ 1.56│ ---│ 2.42│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 8.34│ ---│ 8.73│ ---│ 10.17│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 71.23│ ---│ 71.41│ ---│ 80.74│
│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) │ 43363.17亿│ 42432.61亿│ 42645.00亿│ 42012.53亿│ 39520.37亿│ 38580.57亿│
│关注类(元) │ 1245.38亿│ 1211.95亿│ 1203.70亿│ 1185.27亿│ 1197.20亿│ 1152.97亿│
│次级类(元) │ 111.52亿│ 138.79亿│ 200.90亿│ 269.78亿│ 277.29亿│ 241.98亿│
│可疑类(元) │ 101.65亿│ 109.39亿│ 120.70亿│ 180.04亿│ 231.07亿│ 260.43亿│
│损失类(元) │ 448.15亿│ 413.36亿│ 334.50亿│ 201.15亿│ 185.51亿│ 220.97亿│
│贷款合计(元) │ 45269.87亿│ 44306.10亿│ 44504.80亿│ 43848.77亿│ 41411.44亿│ 40456.92亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.52│ 1.56│ 1.69│ 3.66│ 4.08│
│关注类贷款迁徙率% │ ---│ 27.82│ 28.93│ 29.74│ 19.38│ 25.38│
│次级类贷款迁徙率% │ ---│ 90.11│ 86.85│ 45.06│ 61.68│ 58.95│
│可疑类贷款迁徙率% │ ---│ 89.55│ 79.02│ 46.63│ 28.47│ 44.17│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 43363.17亿│ 42432.61亿│ 42493.13亿│ 42819.92亿│ 43326.92亿│ 42645.00亿│
│关注类(元) │ 1245.38亿│ 1211.95亿│ 1215.89亿│ 1218.30亿│ 1217.30亿│ 1203.70亿│
│次级类(元) │ 111.52亿│ 138.79亿│ 141.78亿│ 148.75亿│ 132.81亿│ 200.90亿│
│可疑类(元) │ 101.65亿│ 109.39亿│ 146.30亿│ 142.80亿│ 149.78亿│ 120.70亿│
│损失类(元) │ 448.15亿│ 413.36亿│ 370.49亿│ 368.97亿│ 377.86亿│ 334.50亿│
│贷款合计(元) │ 45269.87亿│ 44306.10亿│ 44367.59亿│ 44698.74亿│ 45204.67亿│ 44504.80亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.52│ ---│ 1.69│ ---│ 1.56│
│关注类贷款迁徙率% │ ---│ 27.82│ ---│ 34.95│ ---│ 28.93│
│次级类贷款迁徙率% │ ---│ 90.11│ ---│ 171.38│ ---│ 86.85│
│可疑类贷款迁徙率% │ ---│ 89.55│ ---│ 135.74│ ---│ 79.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│吸收存款和同业及│ -35700.00│ -11745500.00│ 99.70│
│的现金流量净│其他金融 │ │ │ │
│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(%)│
├──────┼────────┼──────┼────────┼──────┤
│贵金属 │贵金属规模及价格│ 6931100.00│ 3113600.00│ 122.61│
│ │的变动 │ │ │ │
│衍生金融资产│衍生金融工具公允│ 1736200.00│ 3028300.00│ -42.67│
│ │价值的变动 │ │ │ │
│买入返售金融│买入返售债券规模│ 5147300.00│ 7695800.00│ -33.12│
│资产 │的减少 │ │ │ │
│以公允价值计│获取投资收益而持│ 71259700.00│ 54044700.00│ 31.85│
│量且其变动计│有的债权工具规模│ │ │ │
│入其他综合收│增加 │ │ │ │
│益的金融资产│ │ │ │ │
│以公允价值计│交易性贵金属的增│ 7092600.00│ 4322800.00│ 64.07│
│量且其变动计│加 │ │ │ │
│入当期损益的│ │ │ │ │
│金融负债 │ │ │ │ │
│其他权益工具│永续债规模的增加│ 12500000.00│ 9500000.00│ 31.58│
│投资收益 │--- │ 1534500.00│ 1545600.00│ -0.72│
│公允价值变动│市场价格及汇率波│ 335600.00│ -135300.00│ 348.04│
│收益 │动的影响 │ │ │ │
│汇兑收益 │--- │ 77800.00│ -53000.00│ 246.79│
│其他资产减值│抵债资产减值损失│ 76100.00│ 46600.00│ 63.30│
│损失 │的增加 │ │ │ │
│营业外收入 │--- │ 3700.00│ 7800.00│ -52.56│
│营业外支出 │营业外相关收支的│ 62100.00│ 33700.00│ 84.27│
│ │变动 │ │ │ │
│归属于少数股│附属机构相关净利│ 1900.00│ 42600.00│ -95.54│
│东损益 │润的减少 │ │ │ │
│经营活动产生│持续调整优化信贷│-15747600.00│ -23163800.00│ 32.02│
│的现金流量净│结构，发放贷款和│ │ │ │
│额 │垫款净流出减少 │ │ │ │
│发放贷款和垫│--- │ -1224000.00│ -10779600.00│ 88.65│
│款现金流量净│ │ │ │ │
│额 │ │ │ │ │
│吸收存款和同│--- │ -8675500.00│ -17842200.00│ 51.38│
│业及其他金融│ │ │ │ │
│机构存放款项│ │ │ │ │
│现金流量净额│ │ │ │ │
│拆出资金净额│--- │ -6759700.00│ 504900.00│ -1438.82│
│投资活动产生│收回投资收到的现│ 6791400.00│ -4282100.00│ 258.60│
│的现金流量净│金增加 │ │ │ │
│额 │ │ │ │ │
│收回投资收到│--- │339364500.00│ 160005400.00│ 112.10│
│的现金 │ │ │ │ │
│投资支付的现│--- │-339223900.0│ -170350100.00│ -99.13│
│金 │ │ 0│ │ │
│筹资活动产生│偿还债务支付的现│ 6642300.00│ 22186000.00│ -70.06│
│的现金流量净│金增加 │ │ │ │
│额 │ │ │ │ │
│发行债券收到│--- │177431400.00│ 138381800.00│ 28.22│
│的现金 │ │ │ │ │
│偿还债务支付│--- │-171517200.0│ -112775700.00│ -52.09│
│的现金 │ │ 0│ │ │
│营业收入 │--- │ 14286500.00│ 13629000.00│ 4.82│
│利息净收入 │--- │ 10012600.00│ 9869000.00│ 1.46│
│非利息净收入│--- │ 4273900.00│ 3760000.00│ 13.67│
│营业支出 │--- │ 11002200.00│ 10194600.00│ 7.92│
│业务及管理费│--- │ 5100600.00│ 5131800.00│ -0.61│
│税金及附加 │--- │ 170100.00│ 178000.00│ -4.44│
│信用减值损失│--- │ 5395000.00│ 4547400.00│ 18.64│
│存拆放同业及│拆放非银业务规模│ 40875200.00│ 38114500.00│ 7.24│
│其他金融机构│的增加 │ │ │ │
│款项和买入返│ │ │ │ │
│售金融资产 │ │ │ │ │
│其他业务成本│--- │ 260400.00│ 290800.00│ -10.45│
│营业利润 │--- │ 3284300.00│ 3434400.00│ -4.37│
│营业外收支净│--- │ -58400.00│ -25900.00│ -125.48│
│额 │ │ │ │ │
│利润总额 │--- │ 3225900.00│ 3408500.00│ -5.36│
│所得税费用 │免税收入减少 │ 167700.00│ 136300.00│ 23.04│
│净利润 │--- │ 3058200.00│ 3272200.00│ -6.54│
│归属于本行股│--- │ 3056300.00│ 3229600.00│ -5.37│
│东的净利润 │ │ │ │ │
│负债总计 │--- │712937000.00│ 715840100.00│ -0.41│
│发放贷款和垫│本集团持续调整优│443061000.00│ 445048000.00│ -0.45│
│款总额 │化信贷结构，重点│ │ │ │
│ │领域贷款实现较快│ │ │ │
│ │增长，票据贴现业│ │ │ │
│ │务规模下降 │ │ │ │
│贷款应计利息│--- │ 3691600.00│ 3796000.00│ -2.75│
│以摊余成本计│--- │ 9329500.00│ 9240400.00│ 0.96│
│量的贷款减值│ │ │ │ │
│准备 │ │ │ │ │
│发放贷款和垫│--- │437423100.00│ 439603600.00│ -0.50│
│款净额 │ │ │ │ │
│金融投资净额│--- │242432900.00│ 239870200.00│ 1.07│
│向中央银行及│--- │ 34096700.00│ 37310100.00│ -8.61│
│其他金融机构│ │ │ │ │
│借款 │ │ │ │ │
│现金及存放中│--- │ 25475400.00│ 28544900.00│ -10.75│
│央银行款项 │ │ │ │ │
│长期应收款 │--- │ 9806600.00│ 11238200.00│ -12.74│
│固定资产 │--- │ 4833900.00│ 5131600.00│ -5.80│
│应付债券 │--- │101200800.00│ 94102500.00│ 7.54│
│资产总计 │--- │783256700.00│ 781496900.00│ 0.23│
│吸收存款 │--- │434779900.00│ 433268100.00│ 0.35│
│吸收存款总额│--- │427723800.00│ 424909500.00│ 0.66│
│（不含应计利│ │ │ │ │
│息） │ │ │ │ │
│同业及其他金│存款规模稳定增长│123253300.00│ 132183000.00│ -6.76│
│融机构存拆入│，同业存放业务规│ │ │ │
│款项和卖出回│模下降 │ │ │ │
│购金融资产款│ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│ 27364900.00│ 25475400.00│ 28544900.00│ 39036700.00│ 33855200.00│ 36130200.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 9056000.00│ 12608400.00│ 11773100.00│ 12967800.00│ 8870500.00│ 9254600.00│
│发放贷款及垫款 │447191100.00│437423100.00│439603600.00│432390800.00│407298200.00│396767900.00│
│拆出资金 │ 20119000.00│ 23119500.00│ 18645600.00│ 17277800.00│ 18243400.00│ 15876800.00│
│贵金属 │ 11707400.00│ 6931100.00│ 3113600.00│ 2828500.00│ 2516700.00│ 1318900.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │128532600.00│ ---│ ---│ ---│136358900.00│129822000.00│
│其他债权投资 │ ---│ ---│ ---│ ---│ 46261900.00│ 43552900.00│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ 1059200.00│ ---│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ 200.00│
│固定资产 │ 4771600.00│ 4833900.00│ 5131600.00│ 5172600.00│ 4981300.00│ 5219100.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │784789700.00│783256700.00│781496900.00│767496500.00│725567300.00│695278600.00│
│向中央银行借款 │ 26072000.00│ 22856000.00│ 26110800.00│ 32645400.00│ 14480100.00│ 27978700.00│
│同业及其他金融机构存│ 92620700.00│ 87450700.00│ 99084100.00│113662200.00│138280700.00│123033400.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 7970100.00│ 9723200.00│ 8286500.00│ 10543700.00│ 9623400.00│ 6402400.00│
│吸收存款 │441109200.00│434779900.00│433268100.00│435328100.00│405159200.00│382569300.00│
│卖出回购金融资产款 │ 21741400.00│ 26079400.00│ 24812400.00│ 19113300.00│ 10414000.00│ 3648500.00│
│负债合计 │713394500.00│712937000.00│715840100.00│703716400.00│664285900.00│636624700.00│
│实收资本(或股本) │ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│
│资本公积 │ 5815700.00│ 5814100.00│ 5808700.00│ 5814900.00│ 5814900.00│ 5814900.00│
│盈余公积 │ 6482900.00│ 6482900.00│ 6188800.00│ 5880500.00│ 5527600.00│ 5184300.00│
│未分配利润 │ 30242500.00│ 29099800.00│ 27763100.00│ 27164500.00│ 25787700.00│ 24314400.00│
│归属于母公司所有者权│ 70049600.00│ 68963700.00│ 64285900.00│ 62460200.00│ 59992800.00│ 57428000.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1345600.00│ 1356000.00│ 1370900.00│ 1319900.00│ 1288600.00│ 1225900.00│
│股东权益合计 │ 71395200.00│ 70319700.00│ 65656800.00│ 63780100.00│ 61281400.00│ 58653900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 27364900.00│ 25475400.00│ 25632100.00│ 28518300.00│ 28055000.00│ 28544900.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 9056000.00│ 12608400.00│ 17542200.00│ 14487900.00│ 10528800.00│ 11773100.00│
│发放贷款及垫款 │447191100.00│437423100.00│437986000.00│441376500.00│446442900.00│439603600.00│
│拆出资金 │ 20119000.00│ 23119500.00│ 19874900.00│ 16292800.00│ 16566000.00│ 18645600.00│
│贵金属 │ 11707400.00│ 6931100.00│ 6460900.00│ 7154000.00│ 3580200.00│ 3113600.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │128532600.00│ ---│141455600.00│ ---│ ---│ ---│
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 4771600.00│ 4833900.00│ 4895800.00│ 4957200.00│ 4995800.00│ 5131600.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │784789700.00│783256700.00│787286400.00│776892100.00│778342000.00│781496900.00│
│向中央银行借款 │ 26072000.00│ 22856000.00│ 25288900.00│ 25048800.00│ 22372200.00│ 26110800.00│
│同业及其他金融机构存│ 92620700.00│ 87450700.00│ 96254800.00│ 72961600.00│ 82955400.00│ 99084100.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 7970100.00│ 9723200.00│ 13963900.00│ 7443800.00│ 8483200.00│ 8286500.00│
│吸收存款 │441109200.00│434779900.00│432559300.00│438208700.00│443644300.00│433268100.00│
│卖出回购金融资产款 │ 21741400.00│ 26079400.00│ 33513700.00│ 25245200.00│ 30386200.00│ 24812400.00│
│负债合计 │713394500.00│712937000.00│717231600.00│706660900.00│711749200.00│715840100.00│
│实收资本(或股本) │ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│
│资本公积 │ 5815700.00│ 5814100.00│ 5814100.00│ 5808700.00│ 5808900.00│ 5808700.00│
│盈余公积 │ 6482900.00│ 6482900.00│ 6188800.00│ 6188800.00│ 6188800.00│ 6188800.00│
│未分配利润 │ 30242500.00│ 29099800.00│ 29430400.00│ 29465300.00│ 29030300.00│ 27763100.00│
│归属于母公司所有者权│ 70049600.00│ 68963700.00│ 68692200.00│ 68854400.00│ 65221400.00│ 64285900.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1345600.00│ 1356000.00│ 1362600.00│ 1376800.00│ 1371400.00│ 1370900.00│
│股东权益合计 │ 71395200.00│ 70319700.00│ 70054800.00│ 70231200.00│ 66592800.00│ 65656800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 3782200.00│ 14286500.00│ 13629000.00│ 14081700.00│ 14247600.00│ 16880400.00│
│利息净收入 │ 2557100.00│ 10012600.00│ 9869000.00│ 10243100.00│ 10746300.00│ 12577500.00│
│手续费及佣金净收入 │ 521700.00│ 1832100.00│ 1824500.00│ 1923600.00│ 2027400.00│ 2756600.00│
│投资收益 │ 87900.00│ 1534500.00│ 1545600.00│ 1613400.00│ 1490800.00│ 1146700.00│
│公允价值变动收益 │ 555200.00│ 335600.00│ -135300.00│ -272600.00│ -808900.00│ -147200.00│
│汇兑收益 │ -32000.00│ 77800.00│ -53000.00│ -13100.00│ 222800.00│ 46100.00│
│营业支出 │ 2481000.00│ 11002200.00│ 10194600.00│ 10323000.00│ 10505600.00│ 13266200.00│
│营业税金及附加 │ 39500.00│ 170100.00│ 178000.00│ 197300.00│ 187300.00│ 194900.00│
│业务及管理费 │ 980400.00│ 5100600.00│ 5131800.00│ 5083400.00│ 5072900.00│ 4923200.00│
│资产减值损失 │ 4100.00│ 76100.00│ 46600.00│ 151900.00│ 68500.00│ 137500.00│
│营业利润 │ 1301200.00│ 3284300.00│ 3434400.00│ 3758700.00│ 3742000.00│ 3614200.00│
│营业外收入 │ 1500.00│ 3700.00│ 7800.00│ 20600.00│ 18100.00│ 11500.00│
│营业外支出 │ 6300.00│ 62100.00│ 33700.00│ 43500.00│ 43100.00│ 65700.00│
│利润总额 │ 1296400.00│ 3225900.00│ 3408500.00│ 3735800.00│ 3717000.00│ 3560000.00│
│所得税 │ 147300.00│ 167700.00│ 136300.00│ 137200.00│ 139300.00│ 74700.00│
│净利润 │ 1149100.00│ 3058200.00│ 3272200.00│ 3598600.00│ 3577700.00│ 3485300.00│
│归属母公司净利润 │ 1151400.00│ 3056300.00│ 3229600.00│ 3582300.00│ 3526900.00│ 3438100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 3782200.00│ 14286500.00│ 10850900.00│ 7238400.00│ 3681300.00│ 13629000.00│
│利息净收入 │ 2557100.00│ 10012600.00│ 7551000.00│ 4920300.00│ 2486600.00│ 9869000.00│
│手续费及佣金净收入 │ 521700.00│ 1832100.00│ 1438800.00│ 968500.00│ 492700.00│ 1824500.00│
│投资收益 │ 87900.00│ 1534500.00│ 1454500.00│ 923400.00│ 940400.00│ 1545600.00│
│公允价值变动收益 │ 555200.00│ 335600.00│ 8800.00│ 162500.00│ -377800.00│ -135300.00│
│汇兑收益 │ -32000.00│ 77800.00│ 55200.00│ 22700.00│ 22300.00│ -53000.00│
│营业支出 │ 2481000.00│ 11002200.00│ 7839600.00│ 4926000.00│ 2226500.00│ 10194600.00│
│营业税金及附加 │ 39500.00│ 170100.00│ 125900.00│ 86500.00│ 42300.00│ 178000.00│
│业务及管理费 │ 980400.00│ 5100600.00│ 3439700.00│ 2065700.00│ 1011000.00│ 5131800.00│
│资产减值损失 │ 4100.00│ 76100.00│ 62700.00│ 34600.00│ 18100.00│ 46600.00│
│营业利润 │ 1301200.00│ 3284300.00│ 3011300.00│ 2312400.00│ 1454800.00│ 3434400.00│
│营业外收入 │ 1500.00│ 3700.00│ 1700.00│ 700.00│ 500.00│ 7800.00│
│营业外支出 │ 6300.00│ 62100.00│ 36800.00│ 33700.00│ 30700.00│ 33700.00│
│利润总额 │ 1296400.00│ 3225900.00│ 2976200.00│ 2279400.00│ 1424600.00│ 3408500.00│
│所得税 │ 147300.00│ 167700.00│ 122300.00│ 131800.00│ 146400.00│ 136300.00│
│净利润 │ 1149100.00│ 3058200.00│ 2853900.00│ 2147600.00│ 1278200.00│ 3272200.00│
│归属母公司净利润 │ 1151400.00│ 3056300.00│ 2854200.00│ 2138000.00│ 1274200.00│ 3229600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 29302800.00│ 30997800.00│ 40001000.00│ 64374400.00│ 73063800.00│ 75417900.00│
│经营活动现金流出 │ 29338500.00│ 46745400.00│ 63164800.00│ 57006800.00│ 56436500.00│ 59876200.00│
│经营活动现金流量净额│ -35700.00│-15747600.00│-23163800.00│ 7367600.00│ 16627300.00│ 15541700.00│
│投资活动现金流入 │ 97605400.00│346947500.00│167040200.00│143962700.00│103819000.00│135592300.00│
│投资活动现金流出 │ 85954200.00│340156100.00│171322300.00│139786300.00│115051700.00│123801500.00│
│投资活动现金流量净额│ 11651200.00│ 6791400.00│ -4282100.00│ 4176400.00│-11232700.00│ 11790800.00│
│筹资活动现金流入 │ 20268100.00│180431400.00│142381800.00│102148200.00│ 84197000.00│ 79670900.00│
│筹资活动现金流出 │ 32557200.00│173789100.00│120195800.00│102874200.00│ 93817500.00│106342900.00│
│筹资活动现金流量净额│-12289100.00│ 6642300.00│ 22186000.00│ -726000.00│ -9620500.00│-26672000.00│
│汇率变动对现金的影响│ -85400.00│ -96500.00│ 25300.00│ 85100.00│ 714600.00│ -110600.00│
│现金及等价物净增加额│ -759000.00│ -2410400.00│ -5234600.00│ 10903100.00│ -3511300.00│ 549900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 29302800.00│ 30997800.00│ 34742200.00│ 21198200.00│ 17821300.00│ 40001000.00│
│经营活动现金流出 │ 29338500.00│ 46745400.00│ 30136700.00│ 43102500.00│ 29566800.00│ 63164800.00│
│经营活动现金流量净额│ -35700.00│-15747600.00│ 4605500.00│-21904300.00│-11745500.00│-23163800.00│
│投资活动现金流入 │ 97605400.00│346947500.00│253187800.00│160070400.00│ 41825400.00│167040200.00│
│投资活动现金流出 │ 85954200.00│340156100.00│246067800.00│149318700.00│ 30625100.00│171322300.00│
│投资活动现金流量净额│ 11651200.00│ 6791400.00│ 7120000.00│ 10751700.00│ 11200300.00│ -4282100.00│
│筹资活动现金流入 │ 20268100.00│180431400.00│102368900.00│ 74553100.00│ 19255200.00│142381800.00│
│筹资活动现金流出 │ 32557200.00│173789100.00│108973800.00│ 62034100.00│ 18448900.00│120195800.00│
│筹资活动现金流量净额│-12289100.00│ 6642300.00│ -6604900.00│ 12519000.00│ 806300.00│ 22186000.00│
│汇率变动对现金的影响│ -85400.00│ -96500.00│ -31500.00│ 11200.00│ 3500.00│ 25300.00│
│现金及等价物净增加额│ -759000.00│ -2410400.00│ 5089100.00│ 1377600.00│ 264600.00│ -5234600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 3681300.00│ 25.77│ 1274200.00│ 41.69│
│二季报 │ 3557100.00│ 24.90│ 863800.00│ 28.26│
│三季报 │ 3612500.00│ 25.29│ 716200.00│ 23.43│
│四季报 │ 3435600.00│ 24.05│ 202100.00│ 6.61│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 3427300.00│ 25.15│ 1343100.00│ 41.59│
│二季报 │ 3285400.00│ 24.11│ 904300.00│ 28.00│
│三季报 │ 3453300.00│ 25.34│ 801200.00│ 24.81│
│四季报 │ 3463000.00│ 25.41│ 181000.00│ 5.60│
└──────┴───────┴───────┴───────┴───────┘
〖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。
2、本公司无法保证该项服务能满足用户的要求，也不担保服务不会受中断，对服务的及时
性、安全性以及出错发生都不作担保。
3、本公司提供的任何信息仅供投资者参考，不作为投资决策的依据，本公司不对投资者依
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。
|