财务分析☆ ◇601166 兴业银行 更新日期：2026-07-18◇ 通达信沪深京F10
★本栏包括【1.主要财务指标】【2.偿债能力指标】【3.营运能力指标】【4.盈利能力指标】
【5.成长能力指标】【6.银行专项指标】【7.贷款五级分类】【8.指标变动说明】
【9.资产负债表摘要】【10.利润表摘要】【11.现金流量表摘要】【12.环比分析】
【1.主要财务指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 无保留意见│ 无保留意见│ 无保留意见│ 无保留意见│ 无保留意见│
│归母净利(未调整:万) │ 2383200.00│ 7746900.00│ 7720500.00│ 7711600.00│ 9137700.00│ 8268000.00│
│归母净利(调整后:万) │ ---│ ---│ 7720500.00│ 7711600.00│ 9137700.00│ 8268000.00│
│净利润增长率(%) │ 0.15│ 0.34│ 0.12│ -15.61│ 10.52│ 24.10│
│扣非净利润(万) │ 2370300.00│ 7706400.00│ 7677200.00│ 7652300.00│ 9099600.00│ 8220600.00│
│营业总收(未调整:万) │ 5509000.00│ 21274100.00│ 21222600.00│ 21083100.00│ 22237400.00│ 22123600.00│
│营业总收(调整后:万) │ ---│ ---│ 21222600.00│ 21083100.00│ 22237400.00│ 22123600.00│
│总营收同比增长率(%) │ -1.07│ 0.24│ 0.66│ -5.19│ 0.51│ 8.91│
│加权净资产收益率(%) │ 2.89│ 9.15│ 9.89│ 10.64│ 13.85│ 13.94│
│资产负债比率(%) │ 91.81│ 91.76│ 91.50│ 92.05│ 91.83│ 91.93│
│净利润现金含量(%) │ 276.02│ 843.76│ -307.31│ 562.29│ -377.10│ -471.42│
│基本每股收益(元) │ 1.1300│ 3.4600│ 3.5100│ 3.5100│ 4.2000│ 3.7700│
│每股收益-扣除(元) │ 1.1200│ 3.4400│ 3.4900│ 3.4800│ 4.1800│ 3.7500│
│每股收益-摊薄(元) │ 1.1261│ 3.6606│ 3.7164│ 3.7121│ 4.3986│ 3.9800│
│每股资本公积金(元) │ 3.8955│ 3.8955│ 3.5974│ 3.5987│ 3.6059│ 3.6061│
│每股未分配利润(元) │ 27.3276│ 26.7737│ 25.3120│ 23.0909│ 21.3068│ 18.6760│
│每股净资产(元) │ 39.3400│ 38.8300│ 36.8800│ 34.2000│ 31.7900│ 28.8000│
│每股经营现金流量(元)│ 3.1083│ 30.8900│ -11.4200│ 20.8700│ -16.5900│ -18.7600│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 2383200.00│ 7746900.00│ 6308300.00│ 4314100.00│ 2379600.00│ 7720500.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 2379600.00│ 7720500.00│
│净利润增长率(%) │ 0.15│ 0.34│ 0.12│ 0.21│ -2.22│ 0.12│
│扣非净利润(万) │ 2370300.00│ 7706400.00│ 6282700.00│ 4284000.00│ 2368100.00│ 7677200.00│
│营业总收(未调整:万) │ 5509000.00│ 21274100.00│ 16123400.00│ 11045800.00│ 5568300.00│ 21222600.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 5568300.00│ 21222600.00│
│总营收同比增长率(%) │ -1.07│ 0.24│ -1.82│ -2.29│ -3.58│ 0.66│
│加权净资产收益率(%) │ 2.89│ 9.15│ 7.55│ 5.06│ 3.06│ 9.89│
│资产负债比率(%) │ 91.81│ 91.76│ 91.54│ 91.58│ 91.39│ 91.50│
│净利润现金含量(%) │ 276.02│ 843.76│ 321.64│ -180.69│ -249.68│ -307.31│
│基本每股收益(元) │ 1.1300│ 3.4600│ 2.8500│ 1.9100│ 1.1500│ 3.5100│
│每股收益-扣除(元) │ 1.1200│ 3.4400│ 2.8400│ 1.9000│ 1.1400│ 3.4900│
│每股收益-摊薄(元) │ 1.1261│ 3.6606│ 2.9808│ 2.0385│ 1.1455│ 3.7164│
│每股资本公积金(元) │ 3.8955│ 3.8955│ 3.8975│ 3.9605│ 3.5973│ 3.5974│
│每股未分配利润(元) │ 27.3276│ 26.7737│ 26.5908│ 25.6579│ 26.4522│ 25.3120│
│每股净资产(元) │ 39.3400│ 38.8300│ 38.3100│ 37.4800│ 37.9400│ 36.8800│
│每股经营现金流量(元)│ 3.1083│ 30.8900│ 9.5900│ -3.7400│ -2.8600│ -11.4200│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 91.81│ 91.76│ 91.50│ 92.05│ 91.83│ 91.93│
│产权比率 │ 11.35│ 11.29│ 10.90│ 11.74│ 11.40│ 11.56│
│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(%) │ 91.81│ 91.76│ 91.54│ 91.58│ 91.39│ 91.50│
│产权比率 │ 11.35│ 11.29│ 10.97│ 11.02│ 10.75│ 10.90│
│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 │ 1.83│ 7.26│ 7.35│ 7.34│ 8.14│ 8.43│
│总资产周转率 │ 0.00│ 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 │ 1.83│ 7.26│ 5.71│ 3.89│ 1.95│ 7.35│
│总资产周转率 │ 0.00│ 0.02│ 0.02│ 0.01│ 0.01│ 0.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.61│ 8.59│ 8.75│ 9.69│ 12.25│ 12.09│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 49.71│ 42.28│ 41.09│ 39.91│ 47.74│ 43.03│
│销售净利率 │ 43.34│ 36.60│ 36.51│ 36.83│ 41.56│ 37.89│
│总资产净利率 │ 0.21│ 0.72│ 0.75│ 0.80│ 1.03│ 1.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.61│ 8.59│ 7.08│ 4.89│ 2.63│ 8.75│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 49.71│ 42.28│ 45.71│ 45.72│ 49.23│ 41.09│
│销售净利率 │ 43.34│ 36.60│ 39.29│ 39.26│ 42.99│ 36.51│
│总资产净利率 │ 0.21│ 0.72│ 0.60│ 0.41│ 0.23│ 0.75│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ -1.07│ 0.24│ 0.66│ -5.19│ 0.51│ 8.91│
│营业利润增长率 │ -0.11│ 3.15│ 3.63│ -20.74│ 11.52│ 24.37│
│净利润增长率 │ 0.15│ 0.34│ 0.12│ -15.61│ 10.52│ 24.10│
│净资产增长率 │ 1.20│ 2.25│ 10.76│ 6.71│ 9.07│ 11.13│
│总资产增长率 │ 1.70│ 5.58│ 3.44│ 9.62│ 7.71│ 8.98│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ -1.07│ 0.24│ -1.82│ -2.29│ -3.58│ 0.66│
│营业利润增长率 │ -0.11│ 3.15│ 3.49│ 3.35│ -0.25│ 3.63│
│净利润增长率 │ 0.15│ 0.34│ 0.12│ 0.21│ -2.22│ 0.12│
│净资产增长率 │ 1.20│ 2.25│ 0.99│ -0.02│ 2.49│ 10.76│
│总资产增长率 │ 1.70│ 5.58│ 1.57│ 1.01│ 1.17│ 3.44│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 11605.40亿│ 11471.12亿│ 11205.44亿│ 10330.57亿│ 9738.33亿│ 8781.72亿│
│核心一级资本净额(元)│ 8346.18亿│ 8202.31亿│ 7650.42亿│ 7135.05亿│ 6617.27亿│ 5985.56亿│
│风险加权资产(元) │ ---│ 84600.74亿│ 78481.26亿│ 73123.26亿│ 67462.29亿│ 61026.20亿│
│存款总额(元) │ 59976.28亿│ 59296.15亿│ 55323.33亿│ 51370.73亿│ 47369.82亿│ 43110.41亿│
│贷款总额(元) │ 61549.64亿│ 59489.38亿│ 57366.10亿│ 54609.35亿│ 49828.87亿│ 44281.83亿│
│不良贷款(元) │ 661.67亿│ 642.51亿│ 614.77亿│ 584.91亿│ 544.88亿│ 487.14亿│
│存贷比例% │ 101.42│ 99.12│ 102.20│ 97.79│ 96.21│ 95.60│
│资本充足率% │ 13.20│ 13.56│ 14.28│ 14.13│ 14.44│ 14.39│
│核心一级资本充足率% │ 9.50│ 9.70│ 9.75│ 9.76│ 9.81│ 9.81│
│不良贷款率% │ 1.08│ 1.08│ 1.07│ 1.07│ 1.09│ 1.10│
│不良贷款拨备覆盖率% │ 224.52│ 228.41│ 237.78│ 245.21│ 236.44│ 268.73│
│净利差% │ 1.43│ 1.50│ 1.56│ 1.66│ 1.83│ 2.02│
│净息差% │ 1.62│ 1.71│ 1.82│ 1.93│ 2.10│ 2.29│
│成本收入比% │ 23.48│ 29.56│ 29.50│ 29.97│ 29.37│ 25.68│
│非利息收入占营业收入│ ---│ ---│ ---│ ---│ ---│ ---│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.24│ 3.72│ 4.00│ 4.14│ 4.36│
│计息负债平均成本率% │ ---│ 1.74│ 2.17│ 2.34│ 2.31│ 2.34│
│单一最大客户贷款比例│ ---│ 1.63│ 1.41│ 1.84│ 1.95│ 1.52│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 10.08│ 8.75│ 12.25│ 10.65│ 9.53│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 62.38│ 64.75│ 54.06│ ---│ ---│
│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) │ 11605.40亿│ 11471.12亿│ 11621.31亿│ 11770.51亿│ 11435.96亿│ 11205.44亿│
│核心一级资本净额(元)│ 8346.18亿│ 8202.31亿│ 8102.03亿│ 7919.12亿│ 7863.95亿│ 7650.42亿│
│风险加权资产(元) │ ---│ 84600.74亿│ ---│ 82996.43亿│ ---│ 78481.26亿│
│存款总额(元) │ 59976.28亿│ 59296.15亿│ 58347.45亿│ 58698.30亿│ 56279.65亿│ 55323.33亿│
│贷款总额(元) │ 61549.64亿│ 59489.38亿│ 59899.07亿│ 59034.33亿│ 58153.87亿│ 57366.10亿│
│不良贷款(元) │ 661.67亿│ 642.51亿│ 645.60亿│ 634.93亿│ 628.31亿│ 614.77亿│
│存贷比例% │ 101.42│ 99.12│ 101.42│ 99.28│ 101.88│ 102.20│
│资本充足率% │ 13.20│ 13.56│ 13.85│ 14.18│ 13.97│ 14.28│
│核心一级资本充足率% │ 9.50│ 9.70│ 9.66│ 9.54│ 9.60│ 9.75│
│不良贷款率% │ 1.08│ 1.08│ 1.08│ 1.08│ 1.08│ 1.07│
│不良贷款拨备覆盖率% │ 224.52│ 228.41│ 227.81│ 228.54│ 233.42│ 237.78│
│净利差% │ 1.43│ 1.50│ 1.50│ 1.51│ 1.57│ 1.56│
│净息差% │ 1.62│ 1.71│ 1.72│ 1.75│ 1.80│ 1.82│
│成本收入比% │ 23.48│ 29.56│ 26.97│ 25.89│ 24.22│ 29.50│
│非利息收入占营业收入│ ---│ ---│ ---│ ---│ ---│ ---│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.24│ ---│ 3.37│ ---│ 3.72│
│计息负债平均成本率% │ ---│ 1.74│ ---│ 1.86│ ---│ 2.17│
│单一最大客户贷款比例│ ---│ 1.63│ ---│ 1.34│ ---│ 1.41│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 10.08│ ---│ 8.35│ ---│ 8.75│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 62.38│ ---│ 58.69│ ---│ 64.75│
│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) │ 59808.16亿│ 57842.95亿│ 55770.27亿│ 53179.95亿│ 48543.84亿│ 43120.02亿│
│关注类(元) │ 1079.81亿│ 1003.92亿│ 981.06亿│ 844.49亿│ 740.15亿│ 674.67亿│
│次级类(元) │ 295.43亿│ 289.85亿│ 273.47亿│ 231.51亿│ 209.51亿│ 234.61亿│
│可疑类(元) │ 101.49亿│ 81.45亿│ 103.24亿│ 114.41亿│ 203.03亿│ 154.21亿│
│损失类(元) │ 264.75亿│ 271.21亿│ 238.06亿│ 238.99亿│ 132.34亿│ 98.32亿│
│贷款合计(元) │ 61549.64亿│ 59489.38亿│ 57366.10亿│ 54609.35亿│ 49828.87亿│ 44281.83亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.52│ 1.54│ 1.66│ 1.61│ 2.27│
│关注类贷款迁徙率% │ ---│ 36.48│ 30.46│ 40.33│ 27.46│ 25.56│
│次级类贷款迁徙率% │ ---│ 79.33│ 75.85│ 76.39│ 73.76│ 50.97│
│可疑类贷款迁徙率% │ ---│ 82.52│ 76.52│ 84.69│ 77.96│ 30.12│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 59808.16亿│ 57842.95亿│ 58254.76亿│ 57419.53亿│ 56531.41亿│ 55770.27亿│
│关注类(元) │ 1079.81亿│ 1003.92亿│ 998.71亿│ 979.87亿│ 994.15亿│ 981.06亿│
│次级类(元) │ 295.43亿│ 289.85亿│ 263.17亿│ 316.58亿│ 296.17亿│ 273.47亿│
│可疑类(元) │ 101.49亿│ 81.45亿│ 145.01亿│ 101.49亿│ 104.29亿│ 103.24亿│
│损失类(元) │ 264.75亿│ 271.21亿│ 237.42亿│ 216.86亿│ 227.85亿│ 238.06亿│
│贷款合计(元) │ 61549.64亿│ 59489.38亿│ 59899.07亿│ 59034.33亿│ 58153.87亿│ 57366.10亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.52│ ---│ 0.91│ ---│ 1.54│
│关注类贷款迁徙率% │ ---│ 36.48│ ---│ 29.39│ ---│ 30.46│
│次级类贷款迁徙率% │ ---│ 79.33│ ---│ 66.35│ ---│ 75.85│
│可疑类贷款迁徙率% │ ---│ 82.52│ ---│ 77.68│ ---│ 76.52│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%)│
├──────┼────────┼──────┼────────┼──────┤
│存放同业及其│存放境内同业款项│ 35441600.00│ 20172800.00│ 75.69│
│他金融机构款│增加 │ │ │ │
│项 │ │ │ │ │
│贵金属 │交易性贵金属增加│ 3885100.00│ 1228500.00│ 216.25│
│交易性金融负│积存金和卖出融入│ 5884700.00│ 3654700.00│ 61.02│
│债 │债券增加 │ │ │ │
│应交税费 │应交所得税增加 │ 1183200.00│ 665900.00│ 77.68│
│其他负债 │应付待结算款项增│ 5870900.00│ 4154200.00│ 41.32│
│ │加 │ │ │ │
│投资收益 │此三个报表项目存│ 1035200.00│ 1066300.00│ -2.92│
│ │在较高关联度，合│ │ │ │
│ │并后整体损益106.│ │ │ │
│ │74亿元，同比下降│ │ │ │
│ │3.20%，波动属于 │ │ │ │
│ │合理范围 │ │ │ │
│公允价值变动│此三个报表项目存│ 43700.00│ -48800.00│ 189.55│
│收益 │在较高关联度，合│ │ │ │
│ │并后整体损益106.│ │ │ │
│ │74亿元，同比下降│ │ │ │
│ │3.20%，波动属于 │ │ │ │
│ │合理范围 │ │ │ │
│汇兑收益 │此三个报表项目存│ -11500.00│ 85200.00│ -113.50│
│ │在较高关联度，合│ │ │ │
│ │并后整体损益106.│ │ │ │
│ │74亿元，同比下降│ │ │ │
│ │3.20%，波动属于 │ │ │ │
│ │合理范围 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
截止日期:2025-12-31
┌──────┬────────┬──────┬────────┬──────┐
│变动科目 │变动原因 │本期数值(万)│ 上期/期初数(万)│ 变动幅度(%)│
├──────┼────────┼──────┼────────┼──────┤
│经营活动产生│向中央银行借款、│ 65365600.00│ -23725800.00│ 375.50│
│的现金流量净│同业存放款项、拆│ │ │ │
│额 │入资金及卖出回购│ │ │ │
│ │金融资产款等项目│ │ │ │
│ │收到的现金同比增│ │ │ │
│ │加 │ │ │ │
│投资活动产生│投资支付的现金同│ 1987700.00│ 2343800.00│ -15.19│
│的现金流量净│比增加 │ │ │ │
│额 │ │ │ │ │
│筹资活动产生│偿还同业存单支付│-39758300.00│ 19489400.00│ -304.00│
│的现金流量净│的现金同比增加 │ │ │ │
│额 │ │ │ │ │
│存放同业及其│存放境内同业款项│ 20172800.00│ 10711700.00│ 88.32│
│他金融机构存│增加 │ │ │ │
│放款项 │ │ │ │ │
│贵金属 │交易性贵金属增加│ 1228500.00│ 673100.00│ 82.51│
│衍生金融资产│贵金属衍生工具增│ 4469200.00│ 7052400.00│ -36.63│
│ │加 │ │ │ │
│衍生金融负债│贵金属衍生工具增│ 3827300.00│ 7489000.00│ -48.89│
│ │加 │ │ │ │
│买入返售金融│买入返售债券增加│ 33236800.00│ 17751800.00│ 87.23│
│资产 │ │ │ │ │
│交易性金融负│积存金增加 │ 3654700.00│ 2674000.00│ 36.68│
│债 │ │ │ │ │
│卖出回购金融│卖出回购债券增加│ 36369900.00│ 26199600.00│ 38.82│
│资产款 │ │ │ │ │
│优先股 │优先股赎回 │ ---│ 5584200.00│ -100.00│
│永续债 │永续债发行500亿 │ 8000000.00│ 5996000.00│ 33.42│
│ │元，赎回300亿元 │ │ │ │
│其他综合收益│计入其他综合收益│ 352100.00│ 556100.00│ -36.68│
│ │的其他债权投资公│ │ │ │
│ │允价值变动余额减│ │ │ │
│ │少 │ │ │ │
│投资收益 │--- │ 2731900.00│ 3620200.00│ -24.54│
│公允价值变动│--- │ 837900.00│ 322200.00│ 160.06│
│收益 │ │ │ │ │
│汇兑（损失）│--- │ 91200.00│ -67400.00│ 235.31│
│收益 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│ 35549100.00│ 39104500.00│ 39494000.00│ 41856900.00│ 44240300.00│ 44744600.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 35441600.00│ 20172800.00│ 10711700.00│ 18590600.00│ 9411400.00│ 6625100.00│
│发放贷款及垫款 │602729600.00│582180800.00│560885900.00│533348300.00│486987900.00│431030600.00│
│拆出资金 │ 45628500.00│ 42154600.00│ 37774800.00│ 36317200.00│ 35204300.00│ 35182200.00│
│贵金属 │ 3885100.00│ 1228500.00│ 673100.00│ 566900.00│ 11300.00│ 15600.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │183137800.00│191925500.00│189606400.00│180134600.00│160702600.00│160103000.00│
│其他债权投资 │ 57245800.00│ 69720800.00│ 63091600.00│ 57258500.00│ 54800700.00│ 48462400.00│
│其他权益工具投资 │ 344000.00│ 361900.00│ 401100.00│ 383600.00│ 345300.00│ 314800.00│
│长期股权投资 │ 370200.00│ 370500.00│ 391700.00│ 387200.00│ 404600.00│ 373200.00│
│固定资产 │ 3057700.00│ 2976200.00│ 2886900.00│ 2886700.00│ 2857100.00│ 2606000.00│
│商誉 │ 53200.00│ 53200.00│ 53200.00│ 53200.00│ 53200.00│ 53200.00│
│资产总计 │1128290700.0│1109425600.0│1050789800.0│1015832600.0│926667100.00│860302400.00│
│ │ 0│ 0│ 0│ 0│ │ │
│向中央银行借款 │ 9942600.00│ 10311000.00│ 9141900.00│ 30706400.00│ 9462100.00│ 9577700.00│
│同业及其他金融机构存│248122200.00│224559000.00│183211100.00│185297800.00│162825400.00│171087900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 33303400.00│ 33054000.00│ 33686200.00│ 34949400.00│ 27726800.00│ 17377800.00│
│吸收存款 │608851800.00│602080600.00│563036000.00│521706400.00│478875400.00│435574800.00│
│卖出回购金融资产款 │ 25983600.00│ 36369900.00│ 26199600.00│ 41656800.00│ 35362600.00│ 26557600.00│
│负债合计 │1035837800.0│1018061000.0│961428700.00│935060700.00│850937300.00│790872600.00│
│ │ 0│ 0│ │ │ │ │
│实收资本(或股本) │ 2116300.00│ 2116300.00│ 2077400.00│ 2077400.00│ 2077400.00│ 2077400.00│
│资本公积 │ 8244000.00│ 8244000.00│ 7473300.00│ 7475900.00│ 7490900.00│ 7491400.00│
│盈余公积 │ 1087800.00│ 1087800.00│ 1068400.00│ 1068400.00│ 1068400.00│ 1068400.00│
│未分配利润 │ 57833400.00│ 56661200.00│ 52583100.00│ 47969000.00│ 44262700.00│ 38797600.00│
│归属于母公司所有者权│ 91255400.00│ 90171600.00│ 88190800.00│ 79622400.00│ 74618700.00│ 68411100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1197500.00│ 1193000.00│ 1170300.00│ 1149500.00│ 1111100.00│ 1018700.00│
│股东权益合计 │ 92452900.00│ 91364600.00│ 89361100.00│ 80771900.00│ 75729800.00│ 69429800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 35549100.00│ 39104500.00│ 32273300.00│ 36080900.00│ 34618400.00│ 39494000.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 35441600.00│ 20172800.00│ 21829000.00│ 16766100.00│ 19104800.00│ 10711700.00│
│发放贷款及垫款 │602729600.00│582180800.00│586318200.00│577796500.00│568804500.00│560885900.00│
│拆出资金 │ 45628500.00│ 42154600.00│ 43463400.00│ 45020900.00│ 45237400.00│ 37774800.00│
│贵金属 │ 3885100.00│ 1228500.00│ 1623300.00│ 608400.00│ 223600.00│ 673100.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │183137800.00│191925500.00│192003000.00│188084100.00│191833500.00│189606400.00│
│其他债权投资 │ 57245800.00│ 69720800.00│ 64310700.00│ 64941900.00│ 72835500.00│ 63091600.00│
│其他权益工具投资 │ 344000.00│ 361900.00│ 384000.00│ 396600.00│ 400900.00│ 401100.00│
│长期股权投资 │ 370200.00│ 370500.00│ 383100.00│ 388000.00│ 385300.00│ 391700.00│
│固定资产 │ 3057700.00│ 2976200.00│ 2762500.00│ 2786400.00│ 2817400.00│ 2886900.00│
│商誉 │ 53200.00│ 53200.00│ 53200.00│ 53200.00│ 53200.00│ 53200.00│
│资产总计 │1128290700.0│1109425600.0│1067325300.0│1061437600.0│1063129900.0│1050789800.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 9942600.00│ 10311000.00│ 10355300.00│ 6980100.00│ 6921000.00│ 9141900.00│
│同业及其他金融机构存│248122200.00│224559000.00│181155800.00│167111200.00│193819400.00│183211100.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 33303400.00│ 33054000.00│ 32468000.00│ 31981900.00│ 31988200.00│ 33686200.00│
│吸收存款 │608851800.00│602080600.00│592466600.00│596449700.00│572655600.00│563036000.00│
│卖出回购金融资产款 │ 25983600.00│ 36369900.00│ 43402800.00│ 37493100.00│ 25881100.00│ 26199600.00│
│负债合计 │1035837800.0│1018061000.0│977078800.00│972086400.00│971560000.00│961428700.00│
│ │ 0│ 0│ │ │ │ │
│实收资本(或股本) │ 2116300.00│ 2116300.00│ 2116300.00│ 2116300.00│ 2077400.00│ 2077400.00│
│资本公积 │ 8244000.00│ 8244000.00│ 8248200.00│ 8381600.00│ 7473000.00│ 7473300.00│
│盈余公积 │ 1087800.00│ 1087800.00│ 1068400.00│ 1068400.00│ 1068400.00│ 1068400.00│
│未分配利润 │ 57833400.00│ 56661200.00│ 56274100.00│ 54299800.00│ 54951900.00│ 52583100.00│
│归属于母公司所有者权│ 91255400.00│ 90171600.00│ 89065800.00│ 88174700.00│ 90387100.00│ 88190800.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1197500.00│ 1193000.00│ 1180700.00│ 1176500.00│ 1182800.00│ 1170300.00│
│股东权益合计 │ 92452900.00│ 91364600.00│ 90246500.00│ 89351200.00│ 91569900.00│ 89361100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 5509000.00│ 21274100.00│ 21222600.00│ 21083100.00│ 22237400.00│ 22123600.00│
│利息净收入 │ 3691800.00│ 14875200.00│ 14810700.00│ 14650300.00│ 14527300.00│ 14567900.00│
│手续费及佣金净收入 │ 722800.00│ 2589100.00│ 2409600.00│ 2775500.00│ 4504100.00│ 4268000.00│
│投资收益 │ 1035200.00│ 2731900.00│ 3620200.00│ 3069900.00│ 3022200.00│ 2847800.00│
│公允价值变动收益 │ 43700.00│ 837900.00│ 322200.00│ 413900.00│ -63100.00│ 217800.00│
│汇兑收益 │ -11500.00│ 91200.00│ -67400.00│ 42100.00│ 129200.00│ 100100.00│
│营业支出 │ 2770600.00│ 12279300.00│ 12502900.00│ 12669100.00│ 11621200.00│ 12603700.00│
│营业税金及附加 │ 58600.00│ 227800.00│ 222900.00│ 231900.00│ 227800.00│ 220700.00│
│业务及管理费 │ 1286400.00│ 6229100.00│ 6220300.00│ 6260800.00│ 6484300.00│ 5546800.00│
│资产减值损失 │ 2900.00│ 12500.00│ 900.00│ 20400.00│ 2800.00│ 16900.00│
│营业利润 │ 2738400.00│ 8994800.00│ 8719700.00│ 8414000.00│ 10616200.00│ 9519900.00│
│营业外收入 │ 4000.00│ 33600.00│ 28900.00│ 32800.00│ 22700.00│ 28600.00│
│营业外支出 │ 2100.00│ 31100.00│ 36600.00│ 13900.00│ 16800.00│ 17500.00│
│利润总额 │ 2740300.00│ 8997300.00│ 8712000.00│ 8432900.00│ 10622100.00│ 9531000.00│
│所得税 │ 352700.00│ 1211900.00│ 962900.00│ 667500.00│ 1380700.00│ 1149400.00│
│净利润 │ 2387600.00│ 7785400.00│ 7749100.00│ 7765400.00│ 9241400.00│ 8381600.00│
│归属母公司净利润 │ 2383200.00│ 7746900.00│ 7720500.00│ 7711600.00│ 9137700.00│ 8268000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 5509000.00│ 21274100.00│ 16123400.00│ 11045800.00│ 5568300.00│ 21222600.00│
│利息净收入 │ 3691800.00│ 14875200.00│ 11095900.00│ 7375500.00│ 3772200.00│ 14810700.00│
│手续费及佣金净收入 │ 722800.00│ 2589100.00│ 2008100.00│ 1307500.00│ 672700.00│ 2409600.00│
│投资收益 │ 1035200.00│ 2731900.00│ 2688200.00│ 1829700.00│ 1066300.00│ 3620200.00│
│公允价值变动收益 │ 43700.00│ 837900.00│ 143900.00│ 379100.00│ -48800.00│ 322200.00│
│汇兑收益 │ -11500.00│ 91200.00│ 104200.00│ 92600.00│ 85200.00│ -67400.00│
│营业支出 │ 2770600.00│ 12279300.00│ 8754100.00│ 5995600.00│ 2826900.00│ 12502900.00│
│营业税金及附加 │ 58600.00│ 227800.00│ 174900.00│ 123400.00│ 55700.00│ 222900.00│
│业务及管理费 │ 1286400.00│ 6229100.00│ 4326800.00│ 2849700.00│ 1343900.00│ 6220300.00│
│资产减值损失 │ 2900.00│ 12500.00│ 8600.00│ 5100.00│ ---│ 900.00│
│营业利润 │ 2738400.00│ 8994800.00│ 7369300.00│ 5050200.00│ 2741400.00│ 8719700.00│
│营业外收入 │ 4000.00│ 33600.00│ 19600.00│ 16300.00│ 9700.00│ 28900.00│
│营业外支出 │ 2100.00│ 31100.00│ 23100.00│ 10700.00│ 4600.00│ 36600.00│
│利润总额 │ 2740300.00│ 8997300.00│ 7365800.00│ 5055800.00│ 2746500.00│ 8712000.00│
│所得税 │ 352700.00│ 1211900.00│ 1031400.00│ 719700.00│ 352700.00│ 962900.00│
│净利润 │ 2387600.00│ 7785400.00│ 6334400.00│ 4336100.00│ 2393800.00│ 7749100.00│
│归属母公司净利润 │ 2383200.00│ 7746900.00│ 6308300.00│ 4314100.00│ 2379600.00│ 7720500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 51242600.00│125942100.00│ 76655200.00│127662100.00│ 86132200.00│ 95139900.00│
│经营活动现金流出 │ 44664400.00│ 60576500.00│100381000.00│ 84300400.00│120590900.00│134117000.00│
│经营活动现金流量净额│ 6578200.00│ 65365600.00│-23725800.00│ 43361700.00│-34458700.00│-38977100.00│
│投资活动现金流入 │133925200.00│550066700.00│424904400.00│289544500.00│275361400.00│280085000.00│
│投资活动现金流出 │110712700.00│548079000.00│422560600.00│301234600.00│275567300.00│272119600.00│
│投资活动现金流量净额│ 23212500.00│ 1987700.00│ 2343800.00│-11690100.00│ -205900.00│ 7965400.00│
│筹资活动现金流入 │ 34928800.00│115088900.00│128508600.00│124132800.00│114235400.00│123989800.00│
│筹资活动现金流出 │ 43439200.00│154847200.00│109019200.00│143228300.00│116460200.00│111531000.00│
│筹资活动现金流量净额│ -8510400.00│-39758300.00│ 19489400.00│-19095500.00│ -2224800.00│ 12458800.00│
│汇率变动对现金的影响│ -27400.00│ -58000.00│ 25200.00│ 66000.00│ 484200.00│ -235800.00│
│现金及等价物净增加额│ 21252900.00│ 27537000.00│ -1867400.00│ 12642100.00│-36405200.00│-18788700.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 51242600.00│125942100.00│ 78005000.00│ 39736800.00│ 32945700.00│ 76655200.00│
│经营活动现金流出 │ 44664400.00│ 60576500.00│ 57714700.00│ 47531900.00│ 38887000.00│100381000.00│
│经营活动现金流量净额│ 6578200.00│ 65365600.00│ 20290300.00│ -7795100.00│ -5941300.00│-23725800.00│
│投资活动现金流入 │133925200.00│550066700.00│386296400.00│247391000.00│ 99736100.00│424904400.00│
│投资活动现金流出 │110712700.00│548079000.00│375466700.00│234140400.00│102445100.00│422560600.00│
│投资活动现金流量净额│ 23212500.00│ 1987700.00│ 10829700.00│ 13250600.00│ -2709000.00│ 2343800.00│
│筹资活动现金流入 │ 34928800.00│115088900.00│ 82760100.00│ 56004500.00│ 32068100.00│128508600.00│
│筹资活动现金流出 │ 43439200.00│154847200.00│120121000.00│ 74580400.00│ 38461400.00│109019200.00│
│筹资活动现金流量净额│ -8510400.00│-39758300.00│-37360900.00│-18575900.00│ -6393300.00│ 19489400.00│
│汇率变动对现金的影响│ -27400.00│ -58000.00│ -30700.00│ 10300.00│ 7500.00│ 25200.00│
│现金及等价物净增加额│ 21252900.00│ 27537000.00│ -6271600.00│-13110100.00│-15036100.00│ -1867400.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 5568300.00│ 26.17│ 2379600.00│ 30.72│
│二季报 │ 5477500.00│ 25.75│ 1934500.00│ 24.97│
│三季报 │ 5077600.00│ 23.87│ 1994200.00│ 25.74│
│四季报 │ 5150700.00│ 24.21│ 1438600.00│ 18.57│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 5775100.00│ 27.21│ 2433600.00│ 31.52│
│二季报 │ 5529200.00│ 26.05│ 1871300.00│ 24.24│
│三季报 │ 5117400.00│ 24.11│ 1995700.00│ 25.85│
│四季报 │ 4800900.00│ 22.62│ 1419900.00│ 18.39│
└──────┴───────┴───────┴───────┴───────┘
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