财务分析☆ ◇601169 北京银行 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) │ 809800.00│ 2008600.00│ 2583100.00│ 2562400.00│ 2476000.00│ 2222600.00│
│归母净利(调整后:万) │ ---│ ---│ 2633400.00│ 2562400.00│ 2476000.00│ 2222600.00│
│净利润增长率(%) │ 5.55│ -23.73│ 0.81│ 3.49│ 11.40│ 3.45│
│扣非净利润(万) │ 811200.00│ 2014000.00│ 2590900.00│ 2541100.00│ 2474400.00│ 2233800.00│
│营业总收(未调整:万) │ 1959900.00│ 6803600.00│ 6991700.00│ 6671100.00│ 6627600.00│ 6627500.00│
│营业总收(调整后:万) │ ---│ ---│ 7042000.00│ 6671100.00│ 6627600.00│ 6627500.00│
│总营收同比增长率(%) │ 14.43│ -3.39│ 4.81│ 0.66│ 0.00│ 3.07│
│加权净资产收益率(%) │ 2.91│ 6.11│ 8.65│ 9.32│ 9.60│ 10.29│
│资产负债比率(%) │ 92.16│ 92.33│ 91.51│ 91.24│ 90.83│ 90.29│
│净利润现金含量(%) │ 789.34│ 1886.66│ 501.52│ 163.82│ 509.05│ -177.99│
│基本每股收益(元) │ 0.3800│ 0.7800│ 1.0900│ 1.0600│ 1.0200│ 1.0200│
│每股收益-扣除(元) │ 0.3837│ 0.7900│ 1.0700│ 1.0500│ 1.0200│ 1.0200│
│每股收益-摊薄(元) │ 0.3830│ 0.9500│ 1.2217│ 1.2119│ 1.1711│ 1.0512│
│每股资本公积金(元) │ 2.0735│ 2.0735│ 2.0753│ 2.0720│ 2.0755│ 2.0755│
│每股未分配利润(元) │ 5.9269│ 5.5444│ 5.4934│ 5.2363│ 4.8316│ 4.3940│
│每股净资产(元) │ 13.4000│ 12.9700│ 12.7342│ 11.7800│ 10.9100│ 10.2700│
│每股经营现金流量(元)│ 3.0233│ 17.9200│ 6.1300│ 1.9900│ 5.9600│ -1.8700│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 809800.00│ 2008600.00│ 2106400.00│ 1505300.00│ 767200.00│ 2583100.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 767200.00│ 2633400.00│
│净利润增长率(%) │ 5.55│ -23.73│ 0.26│ 1.12│ -2.44│ 0.81│
│扣非净利润(万) │ 811200.00│ 2014000.00│ 2106800.00│ 1505100.00│ 767500.00│ 2590900.00│
│营业总收(未调整:万) │ 1959900.00│ 6803600.00│ 5158800.00│ 3621800.00│ 1712700.00│ 6991700.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 1712700.00│ 7042000.00│
│总营收同比增长率(%) │ 14.43│ -3.39│ -1.08│ 1.02│ -3.18│ 4.81│
│加权净资产收益率(%) │ 2.91│ 6.11│ 7.40│ 5.32│ 2.83│ 8.65│
│资产负债比率(%) │ 92.16│ 92.33│ 92.09│ 91.90│ 91.88│ 91.51│
│净利润现金含量(%) │ 789.34│ 1886.66│ 1582.41│ 1108.84│ -151.34│ 501.52│
│基本每股收益(元) │ 0.3800│ 0.7800│ 0.9600│ 0.6900│ 0.3600│ 1.0900│
│每股收益-扣除(元) │ 0.3837│ 0.7900│ 0.9965│ 0.6900│ 0.3630│ 1.0700│
│每股收益-摊薄(元) │ 0.3830│ 0.9500│ 0.9963│ 0.7120│ 0.3629│ 1.2217│
│每股资本公积金(元) │ 2.0735│ 2.0735│ 2.0747│ 2.0753│ 2.0753│ 2.0753│
│每股未分配利润(元) │ 5.9269│ 5.5444│ 6.2589│ 5.9858│ 5.8573│ 5.4934│
│每股净资产(元) │ 13.4000│ 12.9700│ 13.1435│ 13.0200│ 12.9400│ 12.7342│
│每股经营现金流量(元)│ 3.0233│ 17.9200│ 15.7650│ 7.8900│ -0.5492│ 6.1300│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 92.16│ 92.33│ 91.51│ 91.24│ 90.83│ 90.29│
│产权比率 │ 11.80│ 12.09│ 10.82│ 10.46│ 9.98│ 9.36│
│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(%) │ 92.16│ 92.33│ 92.09│ 91.90│ 91.88│ 91.51│
│产权比率 │ 11.80│ 12.09│ 11.68│ 11.39│ 11.36│ 10.82│
│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 │ 1.06│ 3.61│ 3.69│ 3.62│ 3.64│ 3.60│
│总资产周转率 │ 0.00│ 0.01│ 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 │ 1.06│ 3.61│ 2.73│ 1.92│ 0.90│ 3.69│
│总资产周转率 │ 0.00│ 0.01│ 0.01│ 0.01│ 0.00│ 0.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.10│ 5.32│ 7.23│ 7.84│ 8.03│ 7.53│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 48.61│ 30.50│ 40.76│ 42.14│ 40.65│ 38.17│
│销售净利率 │ 41.45│ 29.59│ 37.03│ 38.57│ 37.62│ 33.79│
│总资产净利率 │ 0.16│ 0.44│ 0.65│ 0.72│ 0.77│ 0.75│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.10│ 5.32│ 5.46│ 3.93│ 2.12│ 7.23│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 48.61│ 30.50│ 46.43│ 47.86│ 51.81│ 40.76│
│销售净利率 │ 41.45│ 29.59│ 40.91│ 41.64│ 44.88│ 37.03│
│总资产净利率 │ 0.16│ 0.44│ 0.46│ 0.34│ 0.18│ 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 │ 14.43│ -3.39│ 4.81│ 0.66│ 0.00│ 3.07│
│营业利润增长率 │ 7.38│ -28.45│ 1.38│ 4.33│ 6.51│ 3.10│
│净利润增长率 │ 5.55│ -23.73│ 0.81│ 3.49│ 11.40│ 3.45│
│净资产增长率 │ 2.41│ 6.36│ 9.22│ 5.98│ 4.55│ 34.59│
│总资产增长率 │ 0.18│ 17.04│ 12.61│ 10.65│ 10.76│ 5.48│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 14.43│ -3.39│ -1.08│ 1.02│ -3.18│ 4.81│
│营业利润增长率 │ 7.38│ -28.45│ 2.03│ 3.33│ -1.11│ 1.38│
│净利润增长率 │ 5.55│ -23.73│ 0.26│ 1.12│ -2.44│ 0.81│
│净资产增长率 │ 2.41│ 6.36│ 8.74│ 8.03│ 1.22│ 9.22│
│总资产增长率 │ 0.18│ 17.04│ 15.95│ 12.53│ 5.87│ 12.61│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 4077.49亿│ 3987.56亿│ 3803.68亿│ 3501.98亿│ 3302.83亿│ 3178.28亿│
│核心一级资本净额(元)│ 2679.03亿│ 2588.92亿│ 2605.40亿│ 2411.46亿│ 2243.27亿│ 2141.02亿│
│风险加权资产(元) │ 31201.63亿│ 30949.15亿│ 29114.05亿│ 26195.04亿│ 23521.06亿│ 21723.31亿│
│存款总额(元) │ 19495.00亿│ 26950.00亿│ 24494.25亿│ 20697.91亿│ 19133.58亿│ 16993.37亿│
│贷款总额(元) │ 24200.00亿│ 23997.55亿│ 22099.75亿│ 20155.52亿│ 17973.19亿│ 16732.38亿│
│不良贷款(元) │ ---│ 309.67亿│ 289.87亿│ 265.71亿│ 257.12亿│ 241.21亿│
│存贷比例% │ 85.14│ 88.05│ 89.23│ 96.18│ 92.64│ 97.33│
│资本充足率% │ 13.07│ 12.88│ 13.06│ 13.37│ 14.04│ 14.63│
│核心一级资本充足率% │ 8.59│ 8.37│ 8.95│ 9.21│ 9.54│ 9.86│
│不良贷款率% │ 1.32│ 1.29│ 1.31│ 1.32│ 1.43│ 1.44│
│不良贷款拨备覆盖率% │ 198.04│ 200.21│ 208.75│ 216.78│ 210.04│ 210.22│
│净利差% │ ---│ 1.26│ 1.47│ 1.53│ 1.71│ 1.80│
│净息差% │ ---│ 1.27│ 1.47│ 1.54│ 1.76│ 1.83│
│成本收入比% │ ---│ 30.90│ 29.13│ 28.88│ 26.55│ 24.96│
│非利息收入占营业收入│ ---│ 22.28│ 25.75│ 24.53│ 22.36│ 22.45│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.90│ 3.50│ 3.68│ 3.85│ 4.07│
│计息负债平均成本率% │ ---│ 1.64│ 2.03│ 2.15│ 2.14│ 2.27│
│单一最大客户贷款比例│ ---│ 4.72│ 4.44│ 4.83│ 7.56│ 5.03│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 26.34│ 21.55│ 25.17│ 25.59│ 20.57│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ ---│ ---│ ---│ ---│ ---│
│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) │ 4077.49亿│ 3987.56亿│ 4040.65亿│ 4038.93亿│ 3817.71亿│ 3803.68亿│
│核心一级资本净额(元)│ 2679.03亿│ 2588.92亿│ 2661.66亿│ 2656.38亿│ 2635.12亿│ 2605.40亿│
│风险加权资产(元) │ 31201.63亿│ 30949.15亿│ 31525.00亿│ 30922.34亿│ 30482.68亿│ 29114.05亿│
│存款总额(元) │ 19495.00亿│ 26950.00亿│ 26354.77亿│ 26549.92亿│ 26000.00亿│ 24494.25亿│
│贷款总额(元) │ 24200.00亿│ 23997.55亿│ 23730.46亿│ 23908.56亿│ 23400.00亿│ 22099.75亿│
│不良贷款(元) │ ---│ 309.67亿│ ---│ 310.75亿│ ---│ 289.87亿│
│存贷比例% │ 85.14│ 88.05│ 88.80│ 89.12│ 88.84│ 89.23│
│资本充足率% │ 13.07│ 12.88│ 12.82│ 13.06│ 12.52│ 13.06│
│核心一级资本充足率% │ 8.59│ 8.37│ 8.44│ 8.59│ 8.64│ 8.95│
│不良贷款率% │ 1.32│ 1.29│ 1.29│ 1.30│ 1.30│ 1.31│
│不良贷款拨备覆盖率% │ 198.04│ 200.21│ 195.79│ 195.74│ 198.08│ 208.75│
│净利差% │ ---│ 1.26│ ---│ 1.30│ ---│ 1.47│
│净息差% │ ---│ 1.27│ ---│ 1.31│ ---│ 1.47│
│成本收入比% │ ---│ 30.90│ ---│ 26.07│ ---│ 29.13│
│非利息收入占营业收入│ ---│ 22.28│ ---│ 28.63│ ---│ 25.75│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.90│ ---│ 3.02│ ---│ 3.50│
│计息负债平均成本率% │ ---│ 1.64│ ---│ 1.72│ ---│ 2.03│
│单一最大客户贷款比例│ ---│ 4.72│ ---│ 4.17│ ---│ 4.44│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 26.34│ ---│ 24.37│ ---│ 21.55│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ ---│ ---│ ---│ ---│ ---│
│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 │ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│ 2020-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 23300.75亿│ 21413.52亿│ 19531.34亿│ 17426.37亿│ 16243.93亿│ 15253.07亿│
│关注类(元) │ 387.13亿│ 396.36亿│ 358.47亿│ 289.70亿│ 247.24亿│ 178.63亿│
│次级类(元) │ 95.08亿│ 117.75亿│ 135.19亿│ 126.91亿│ 147.64亿│ 154.96亿│
│可疑类(元) │ 95.56亿│ 106.78亿│ 82.16亿│ 93.58亿│ 58.89亿│ 54.98亿│
│损失类(元) │ 119.03亿│ 65.34亿│ 48.36亿│ 36.63亿│ 34.68亿│ 35.57亿│
│贷款合计(元) │ 23997.55亿│ 22099.75亿│ 20155.52亿│ 17973.19亿│ 16732.38亿│ 15677.21亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.92│ 1.21│ 1.07│ 1.54│ 1.39│ 1.90│
│关注类贷款迁徙率% │ 28.69│ 21.27│ 23.98│ 28.96│ 44.54│ 51.55│
│次级类贷款迁徙率% │ 74.10│ 69.07│ 55.69│ 27.13│ 75.30│ 6.69│
│可疑类贷款迁徙率% │ 69.32│ 58.65│ 66.23│ 25.87│ 26.47│ 79.04│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2025-12-31│ 2025-06-30│ 2024-12-31│ 2024-06-30│ 2023-12-31│ 2023-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 23300.75亿│ 23239.62亿│ 21413.52亿│ 20990.67亿│ 19531.34亿│ 19216.90亿│
│关注类(元) │ 387.13亿│ 358.19亿│ 396.36亿│ 404.57亿│ 358.47亿│ 295.95亿│
│次级类(元) │ 95.08亿│ 143.72亿│ 117.75亿│ 153.81亿│ 135.19亿│ 150.65亿│
│可疑类(元) │ 95.56亿│ 76.48亿│ 106.78亿│ 69.43亿│ 82.16亿│ 74.91亿│
│损失类(元) │ 119.03亿│ 90.55亿│ 65.34亿│ 60.38亿│ 48.36亿│ 38.54亿│
│贷款合计(元) │ 23997.55亿│ 23908.56亿│ 22099.75亿│ 21678.86亿│ 20155.52亿│ 19776.95亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.92│ 1.08│ 1.21│ 1.69│ 1.07│ 1.08│
│关注类贷款迁徙率% │ 28.69│ 49.35│ 21.27│ 37.22│ 23.98│ 43.74│
│次级类贷款迁徙率% │ 74.10│ 116.20│ 69.07│ 77.48│ 55.69│ 45.11│
│可疑类贷款迁徙率% │ 69.32│ 106.62│ 58.65│ 93.54│ 66.23│ 63.24│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│发放贷款和垫款净│ 6392100.00│ -1161100.00│ 650.52│
│的现金流量净│增加额的减少 │ │ │ │
│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(%)│
├──────┼────────┼──────┼────────┼──────┤
│公允价值变动│交易性金融资产公│ -131000.00│ 71200.00│ -283.99│
│损益 │允价值减少 │ │ │ │
│营业外收入 │其他营业外收入减│ 5400.00│ 10500.00│ -48.57│
│ │少 │ │ │ │
│营业外支出 │公益性捐赠支出和│ 9200.00│ 16200.00│ -43.21│
│ │预计负债损失减少│ │ │ │
│存放同业及其│存放同业及其他金│ 15616300.00│ 1622300.00│ 862.60│
│他金融机构款│融机构款项规模增│ │ │ │
│项 │长 │ │ │ │
│贵金属 │贵金属规模增长 │ 135100.00│ 95400.00│ 41.61│
│买入返售金融│买入返售债券规模│ 19814500.00│ 13631100.00│ 45.36│
│资产 │增长 │ │ │ │
│其他债权投资│债券投资规模增长│ 61023400.00│ 37451400.00│ 62.94│
│其他资产 │应收清算款项下降│ 2802300.00│ 4058000.00│ -30.94│
│同业及其他金│同业及其他金融机│ 60404300.00│ 38043200.00│ 58.78│
│融机构存放款│构存放款项增长 │ │ │ │
│项 │ │ │ │ │
│拆入资金 │同业拆入资金规模│ 4517500.00│ 9726800.00│ -53.56│
│ │下降 │ │ │ │
│卖出回购金融│卖出回购债券规模│ 25992800.00│ 12102300.00│ 114.78│
│资产 │增长 │ │ │ │
│经营活动产生│吸收存款和同业及│ 37895500.00│ 12954700.00│ 192.52│
│的现金流量净│其他金融机构存放│ │ │ │
│额 │款项净增加额的增│ │ │ │
│ │加 │ │ │ │
│投资活动使用│投资支付的现金增│-32463400.00│ -11587000.00│ -180.17│
│的现金流量净│加 │ │ │ │
│额 │ │ │ │ │
│筹资活动产生│发行债券收到的现│ 13643600.00│ 6635800.00│ 105.61│
│的现金流量净│金增加 │ │ │ │
│额 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│ 17078700.00│ 16203300.00│ 16547500.00│ 16552100.00│ 16364500.00│ 16281000.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 12280500.00│ 15616300.00│ 1622300.00│ 1338200.00│ 2131000.00│ 732100.00│
│发放贷款及垫款 │236237200.00│234411800.00│215698200.00│196479100.00│174910700.00│162782100.00│
│拆出资金 │ 23308700.00│ 22268700.00│ 19767900.00│ 17869700.00│ 16211100.00│ 15718300.00│
│贵金属 │ 103700.00│ 135100.00│ 95400.00│ 52600.00│ 20100.00│ 62200.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 75557800.00│ 79226100.00│ 68768500.00│ 68661100.00│ 67514800.00│ 65477400.00│
│其他债权投资 │ 62912400.00│ 61023400.00│ 37451400.00│ 27391500.00│ 16353900.00│ 14217300.00│
│其他权益工具投资 │ 119100.00│ 117600.00│ 109200.00│ 76700.00│ 85000.00│ 84600.00│
│长期股权投资 │ 261600.00│ 261800.00│ 548700.00│ 368700.00│ 334700.00│ 311800.00│
│固定资产 │ 1837900.00│ 1862100.00│ 1905100.00│ 1881600.00│ 1808600.00│ 1832200.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │494709100.00│493827300.00│422154200.00│374867900.00│338795200.00│305895900.00│
│向中央银行借款 │ 16427400.00│ 14478600.00│ 14830500.00│ 17760500.00│ 12542900.00│ 12757900.00│
│同业及其他金融机构存│ 55305700.00│ 60404300.00│ 38043200.00│ 42854300.00│ 38461200.00│ 36911900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 5881600.00│ 4517500.00│ 9726800.00│ 10421200.00│ 7390800.00│ 5422500.00│
│吸收存款 │284249800.00│273172900.00│248357500.00│210103100.00│194502000.00│172383700.00│
│卖出回购金融资产款 │ 23111900.00│ 25992800.00│ 12102300.00│ 7840200.00│ 8322200.00│ 4367400.00│
│负债合计 │455933100.00│455962800.00│386320200.00│342044700.00│307733500.00│276188100.00│
│实收资本(或股本) │ 2114300.00│ 2114300.00│ 2114300.00│ 2114300.00│ 2114300.00│ 2114300.00│
│资本公积 │ 4384000.00│ 4384000.00│ 4387900.00│ 4380900.00│ 4388200.00│ 4388200.00│
│盈余公积 │ 3151600.00│ 3151600.00│ 2956900.00│ 2705000.00│ 2455400.00│ 2209500.00│
│未分配利润 │ 12531200.00│ 11722600.00│ 11614600.00│ 11071100.00│ 10215500.00│ 9290200.00│
│归属于母公司所有者权│ 38634900.00│ 37725900.00│ 35707100.00│ 32691500.00│ 30847300.00│ 29505400.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 141100.00│ 138600.00│ 126900.00│ 131700.00│ 214400.00│ 202400.00│
│股东权益合计 │ 38776000.00│ 37864500.00│ 35834000.00│ 32823200.00│ 31061700.00│ 29707800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 17078700.00│ 16203300.00│ 17298000.00│ 16186000.00│ 16506900.00│ 16547500.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 12280500.00│ 15616300.00│ 12548000.00│ 7978600.00│ 2924800.00│ 1622300.00│
│发放贷款及垫款 │236237200.00│234411800.00│231950400.00│233675200.00│228545500.00│215698200.00│
│拆出资金 │ 23308700.00│ 22268700.00│ 22676500.00│ 22209600.00│ 21283300.00│ 19767900.00│
│贵金属 │ 103700.00│ 135100.00│ 207000.00│ 105800.00│ 186800.00│ 95400.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ 75557800.00│ 79226100.00│ 76047800.00│ 68310600.00│ 67966500.00│ 68768500.00│
│其他债权投资 │ 62912400.00│ 61023400.00│ 63573000.00│ 59075400.00│ 48998400.00│ 37451400.00│
│其他权益工具投资 │ 119100.00│ 117600.00│ 118600.00│ 130000.00│ 116600.00│ 109200.00│
│长期股权投资 │ 261600.00│ 261800.00│ 277300.00│ 270300.00│ 516000.00│ 548700.00│
│固定资产 │ 1837900.00│ 1862100.00│ 1868500.00│ 1866800.00│ 1886000.00│ 1905100.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │494709100.00│493827300.00│489222700.00│474781900.00│446942200.00│422154200.00│
│向中央银行借款 │ 16427400.00│ 14478600.00│ 16137400.00│ 13974600.00│ 13745100.00│ 14830500.00│
│同业及其他金融机构存│ 55305700.00│ 60404300.00│ 54818400.00│ 42449700.00│ 36522100.00│ 38043200.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 5881600.00│ 4517500.00│ 6472800.00│ 5814700.00│ 5690300.00│ 9726800.00│
│吸收存款 │284249800.00│273172900.00│267241700.00│268944200.00│263402400.00│248357500.00│
│卖出回购金融资产款 │ 23111900.00│ 25992800.00│ 26758700.00│ 23377400.00│ 14325100.00│ 12102300.00│
│负债合计 │455933100.00│455962800.00│450508200.00│436314800.00│410640000.00│386320200.00│
│实收资本(或股本) │ 2114300.00│ 2114300.00│ 2114300.00│ 2114300.00│ 2114300.00│ 2114300.00│
│资本公积 │ 4384000.00│ 4384000.00│ 4386600.00│ 4387900.00│ 4387900.00│ 4387900.00│
│盈余公积 │ 3151600.00│ 3151600.00│ 2956900.00│ 2956900.00│ 2956900.00│ 2956900.00│
│未分配利润 │ 12531200.00│ 11722600.00│ 13233200.00│ 12655700.00│ 12384000.00│ 11614600.00│
│归属于母公司所有者权│ 38634900.00│ 37725900.00│ 38572300.00│ 38319800.00│ 36144300.00│ 35707100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 141100.00│ 138600.00│ 142200.00│ 147300.00│ 157900.00│ 126900.00│
│股东权益合计 │ 38776000.00│ 37864500.00│ 38714500.00│ 38467100.00│ 36302200.00│ 35834000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 1959900.00│ 6803600.00│ 6991700.00│ 6671100.00│ 6627600.00│ 6627500.00│
│利息净收入 │ 1380100.00│ 5287500.00│ 5191000.00│ 5035000.00│ 5145800.00│ 5139700.00│
│手续费及佣金净收入 │ 146400.00│ 382500.00│ 345800.00│ 375200.00│ 706600.00│ 599000.00│
│投资收益 │ 360500.00│ 1225400.00│ 1350200.00│ 1136500.00│ 845600.00│ 758500.00│
│公允价值变动收益 │ 63500.00│ -131000.00│ 71200.00│ 62200.00│ -91700.00│ 99100.00│
│汇兑收益 │ 7500.00│ 27500.00│ 21900.00│ 6500.00│ 6300.00│ 14300.00│
│营业支出 │ 1007100.00│ 4728400.00│ 4141700.00│ 3859900.00│ 3933200.00│ 4097800.00│
│营业税金及附加 │ 22200.00│ 97900.00│ 91900.00│ 85000.00│ 78300.00│ 77700.00│
│业务及管理费 │ 386200.00│ 2102600.00│ 2037000.00│ 1926900.00│ 1759900.00│ 1654300.00│
│资产减值损失 │ ---│ ---│ ---│ ---│ 6300.00│ 8500.00│
│营业利润 │ 952800.00│ 2075200.00│ 2850000.00│ 2811200.00│ 2694400.00│ 2529700.00│
│营业外收入 │ 300.00│ 5400.00│ 10500.00│ 8800.00│ 17000.00│ 12800.00│
│营业外支出 │ 2100.00│ 9200.00│ 16200.00│ 18300.00│ 9500.00│ 24700.00│
│利润总额 │ 951000.00│ 2071400.00│ 2844300.00│ 2801700.00│ 2701900.00│ 2517800.00│
│所得税 │ 138700.00│ 58500.00│ 255300.00│ 228500.00│ 208900.00│ 278600.00│
│净利润 │ 812300.00│ 2012900.00│ 2589000.00│ 2573200.00│ 2493000.00│ 2239200.00│
│归属母公司净利润 │ 809800.00│ 2008600.00│ 2583100.00│ 2562400.00│ 2476000.00│ 2222600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 1959900.00│ 6803600.00│ 5158800.00│ 3621800.00│ 1712700.00│ 6991700.00│
│利息净收入 │ 1380100.00│ 5287500.00│ 3924600.00│ 2584800.00│ 1259200.00│ 5191000.00│
│手续费及佣金净收入 │ 146400.00│ 382500.00│ 326900.00│ 250800.00│ 144200.00│ 345800.00│
│投资收益 │ 360500.00│ 1225400.00│ 990300.00│ 758100.00│ 418200.00│ 1350200.00│
│公允价值变动收益 │ 63500.00│ -131000.00│ -118900.00│ 9000.00│ -119800.00│ 71200.00│
│汇兑收益 │ 7500.00│ 27500.00│ 25300.00│ 17100.00│ 10200.00│ 21900.00│
│营业支出 │ 1007100.00│ 4728400.00│ 2763600.00│ 1888400.00│ 825400.00│ 4141700.00│
│营业税金及附加 │ 22200.00│ 97900.00│ 70900.00│ 50000.00│ 22600.00│ 91900.00│
│业务及管理费 │ 386200.00│ 2102600.00│ 1451000.00│ 944100.00│ 435400.00│ 2037000.00│
│资产减值损失 │ ---│ ---│ -4100.00│ -4100.00│ ---│ ---│
│营业利润 │ 952800.00│ 2075200.00│ 2395200.00│ 1733400.00│ 887300.00│ 2850000.00│
│营业外收入 │ 300.00│ 5400.00│ 3000.00│ 3000.00│ 1000.00│ 10500.00│
│营业外支出 │ 2100.00│ 9200.00│ 1900.00│ 1800.00│ 1100.00│ 16200.00│
│利润总额 │ 951000.00│ 2071400.00│ 2396300.00│ 1734600.00│ 887200.00│ 2844300.00│
│所得税 │ 138700.00│ 58500.00│ 285800.00│ 226600.00│ 118500.00│ 255300.00│
│净利润 │ 812300.00│ 2012900.00│ 2110500.00│ 1508000.00│ 768700.00│ 2589000.00│
│归属母公司净利润 │ 809800.00│ 2008600.00│ 2106400.00│ 1505300.00│ 767200.00│ 2583100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 13788300.00│ 72466400.00│ 51728200.00│ 40530400.00│ 40537300.00│ 20072000.00│
│经营活动现金流出 │ 7396200.00│ 34570900.00│ 38773500.00│ 36332600.00│ 27933100.00│ 24028100.00│
│经营活动现金流量净额│ 6392100.00│ 37895500.00│ 12954700.00│ 4197800.00│ 12604200.00│ -3956100.00│
│投资活动现金流入 │ 31982000.00│162624800.00│ 65228600.00│ 32718000.00│ 36468500.00│ 29998000.00│
│投资活动现金流出 │ 28941700.00│195088200.00│ 76815600.00│ 44165400.00│ 37925000.00│ 26360700.00│
│投资活动现金流量净额│ 3040300.00│-32463400.00│-11587000.00│-11447400.00│ -1456500.00│ 3637300.00│
│筹资活动现金流入 │ 22027000.00│ 95612000.00│ 58618000.00│ 59608000.00│ 45819500.00│ 42498000.00│
│筹资活动现金流出 │ 28660500.00│ 81968400.00│ 51982200.00│ 55382500.00│ 45907200.00│ 38475000.00│
│筹资活动现金流量净额│ -6633500.00│ 13643600.00│ 6635800.00│ 4225500.00│ -87700.00│ 4023000.00│
│汇率变动对现金的影响│ -17500.00│ -35600.00│ 19900.00│ 23900.00│ 100800.00│ -53200.00│
│现金及等价物净增加额│ 2781400.00│ 19040100.00│ 8023400.00│ -3000200.00│ 11160800.00│ 3651000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 13788300.00│ 72466400.00│ 60004000.00│ 42460400.00│ 19189000.00│ 51728200.00│
│经营活动现金流出 │ 7396200.00│ 34570900.00│ 26672100.00│ 25769000.00│ 20350100.00│ 38773500.00│
│经营活动现金流量净额│ 6392100.00│ 37895500.00│ 33331900.00│ 16691400.00│ -1161100.00│ 12954700.00│
│投资活动现金流入 │ 31982000.00│162624800.00│128745800.00│ 79504000.00│ 19005600.00│ 65228600.00│
│投资活动现金流出 │ 28941700.00│195088200.00│158428900.00│ 99745000.00│ 26872200.00│ 76815600.00│
│投资活动现金流量净额│ 3040300.00│-32463400.00│-29683100.00│-20241000.00│ -7866600.00│-11587000.00│
│筹资活动现金流入 │ 22027000.00│ 95612000.00│ 70168000.00│ 51357000.00│ 24243000.00│ 58618000.00│
│筹资活动现金流出 │ 28660500.00│ 81968400.00│ 54271400.00│ 32906900.00│ 16973600.00│ 51982200.00│
│筹资活动现金流量净额│ -6633500.00│ 13643600.00│ 15896600.00│ 18450100.00│ 7269400.00│ 6635800.00│
│汇率变动对现金的影响│ -17500.00│ -35600.00│ -9100.00│ -38500.00│ -3100.00│ 19900.00│
│现金及等价物净增加额│ 2781400.00│ 19040100.00│ 19536300.00│ 14862000.00│ -1761400.00│ 8023400.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 1712700.00│ 25.17│ 767200.00│ 38.20│
│二季报 │ 1909100.00│ 28.06│ 738100.00│ 36.75│
│三季报 │ 1537000.00│ 22.59│ 601100.00│ 29.93│
│四季报 │ 1644800.00│ 24.18│ -97800.00│ -4.87│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 1769000.00│ 25.30│ 786400.00│ 30.44│
│二季报 │ 1785400.00│ 25.54│ 671500.00│ 26.00│
│三季报 │ 1621500.00│ 23.19│ 603900.00│ 23.38│
│四季报 │ 1815800.00│ 25.97│ 521300.00│ 20.18│
└──────┴───────┴───────┴───────┴───────┘
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