财务分析☆ ◇601288 农业银行 更新日期：2026-08-15◇ 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) │ 7518500.00│ 29104100.00│ 28208300.00│ 26935600.00│ 25914000.00│ 24118300.00│
│归母净利(调整后:万) │ ---│ ---│ 28208300.00│ 26935600.00│ 25923200.00│ 24118300.00│
│净利润增长率(%) │ 4.52│ 3.18│ 4.73│ 3.91│ 7.45│ 11.70│
│扣非净利润(万) │ 7486700.00│ 29136600.00│ 28156100.00│ 26928600.00│ 25956200.00│ 24114800.00│
│营业总收(未调整:万) │ 20625500.00│ 72530600.00│ 71055500.00│ 69482800.00│ 72486800.00│ 71991500.00│
│营业总收(调整后:万) │ ---│ ---│ 71055500.00│ 69482800.00│ 69465200.00│ 71991500.00│
│总营收同比增长率(%) │ 10.49│ 2.08│ 2.26│ 0.03│ 0.69│ 9.42│
│加权净资产收益率(%) │ 2.65│ 10.16│ 10.46│ 10.91│ 11.28│ 11.57│
│资产负债比率(%) │ 93.53│ 93.35│ 92.84│ 92.73│ 92.12│ 91.67│
│净利润现金含量(%) │ 1575.90│ 725.98│ 479.66│ 677.65│ 510.15│ 99.35│
│基本每股收益(元) │ 0.2000│ 0.7800│ 0.7500│ 0.7200│ 0.6900│ 0.6500│
│每股收益-扣除(元) │ 0.2139│ 0.7800│ 0.7500│ 0.7200│ 0.6900│ 0.6500│
│每股收益-摊薄(元) │ 0.2148│ 0.8316│ 0.8060│ 0.7696│ 0.7404│ 0.6891│
│每股资本公积金(元) │ 0.4955│ 0.4955│ 0.4955│ 0.4955│ 0.4955│ 0.4959│
│每股未分配利润(元) │ 3.8383│ 3.6362│ 3.2880│ 3.1847│ 2.9502│ 2.6457│
│每股净资产(元) │ 8.0764│ 7.9100│ 7.4000│ 6.8800│ 6.3700│ 5.8700│
│每股经营现金流量(元)│ 3.3854│ 6.0400│ 3.8700│ 5.2200│ 3.7800│ 0.6800│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 7518500.00│ 29104100.00│ 22085900.00│ 13951000.00│ 7193100.00│ 28208300.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 7193100.00│ 28208300.00│
│净利润增长率(%) │ 4.52│ 3.18│ 3.03│ 2.66│ 2.20│ 4.73│
│扣非净利润(万) │ 7486700.00│ 29136600.00│ 22083300.00│ 13938500.00│ 7199100.00│ 28156100.00│
│营业总收(未调整:万) │ 20625500.00│ 72530600.00│ 55087600.00│ 36993700.00│ 18667400.00│ 71055500.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 18667400.00│ 71055500.00│
│总营收同比增长率(%) │ 10.49│ 2.08│ 1.97│ 0.85│ 0.35│ 2.26│
│加权净资产收益率(%) │ 2.65│ 10.16│ 7.85│ 5.08│ 2.71│ 10.46│
│资产负债比率(%) │ 93.53│ 93.35│ 93.40│ 93.28│ 92.99│ 92.84│
│净利润现金含量(%) │ 1575.90│ 725.98│ 921.01│ 720.95│ -1068.84│ 479.66│
│基本每股收益(元) │ 0.2000│ 0.7800│ 0.5900│ 0.3700│ 0.1900│ 0.7500│
│每股收益-扣除(元) │ 0.2139│ 0.7800│ 0.6310│ 0.3700│ 0.2057│ 0.7500│
│每股收益-摊薄(元) │ 0.2148│ 0.8316│ 0.6311│ 0.3986│ 0.2055│ 0.8060│
│每股资本公积金(元) │ 0.4955│ 0.4955│ 0.4955│ 0.4955│ 0.4955│ 0.4955│
│每股未分配利润(元) │ 3.8383│ 3.6362│ 3.6437│ 3.4273│ 3.4806│ 3.2880│
│每股净资产(元) │ 8.0764│ 7.9100│ 7.8247│ 7.6500│ 7.5354│ 7.4000│
│每股经营现金流量(元)│ 3.3854│ 6.0400│ 5.8121│ 2.8700│ -2.1968│ 3.8700│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 93.53│ 93.35│ 92.84│ 92.73│ 92.12│ 91.67│
│产权比率 │ 14.48│ 14.07│ 12.99│ 12.80│ 11.71│ 11.04│
│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(%) │ 93.53│ 93.35│ 93.40│ 93.28│ 92.99│ 92.84│
│产权比率 │ 14.48│ 14.07│ 14.19│ 13.91│ 13.28│ 12.99│
│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 │ 1.39│ 5.02│ 4.98│ 4.84│ 5.06│ 5.01│
│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 │ 1.39│ 5.02│ 3.96│ 2.66│ 1.33│ 4.98│
│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 │ 2.28│ 8.99│ 9.13│ 9.32│ 9.71│ 9.99│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 38.21│ 44.84│ 45.00│ 44.44│ 42.46│ 41.09│
│销售净利率 │ 36.64│ 40.26│ 39.78│ 38.83│ 35.69│ 33.61│
│总资产净利率 │ 0.15│ 0.63│ 0.68│ 0.73│ 0.82│ 0.86│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.28│ 8.99│ 6.97│ 4.44│ 2.29│ 9.13│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 38.21│ 44.84│ 45.40│ 43.50│ 41.78│ 45.00│
│销售净利率 │ 36.64│ 40.26│ 40.36│ 37.83│ 38.63│ 39.78│
│总资产净利率 │ 0.15│ 0.63│ 0.49│ 0.31│ 0.16│ 0.68│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 10.49│ 2.08│ 2.26│ 0.03│ 0.69│ 9.42│
│营业利润增长率 │ 1.05│ 1.71│ 3.56│ 0.26│ 4.04│ 11.22│
│净利润增长率 │ 4.52│ 3.18│ 4.73│ 3.91│ 7.45│ 11.70│
│净资产增长率 │ 1.84│ 4.74│ 6.98│ 8.29│ 10.51│ 9.52│
│总资产增长率 │ 4.60│ 12.83│ 8.44│ 17.53│ 16.71│ 6.85│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 10.49│ 2.08│ 1.97│ 0.85│ 0.35│ 2.26│
│营业利润增长率 │ 1.05│ 1.71│ 3.49│ 2.06│ -2.07│ 3.56│
│净利润增长率 │ 4.52│ 3.18│ 3.03│ 2.66│ 2.20│ 4.73│
│净资产增长率 │ 1.84│ 4.74│ 2.51│ 1.69│ 1.50│ 6.98│
│总资产增长率 │ 4.60│ 12.83│ 11.33│ 8.37│ 3.66│ 8.44│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 45288.81亿│ 44486.90亿│ 41126.53亿│ 38281.71亿│ 34160.01亿│ 30578.67亿│
│核心一级资本净额(元)│ 28113.89亿│ 27484.93亿│ 25823.05亿│ 23949.40亿│ 22153.95亿│ 20424.80亿│
│风险加权资产(元) │ 260212.00亿│ 248128.01亿│ 226038.66亿│ 223380.78亿│ 198625.05亿│ 178495.66亿│
│存款总额(元) │ 340760.38亿│ 321457.07亿│ 297866.79亿│ 284392.95亿│ 247374.34亿│ 215954.53亿│
│贷款总额(元) │ 284241.18亿│ 270826.46亿│ 248562.51亿│ 225642.69亿│ 197227.21亿│ 171357.52亿│
│不良贷款(元) │ 3553.86亿│ 3434.56亿│ 3221.65亿│ 3007.60亿│ 2710.62亿│ 2457.82亿│
│存贷比例% │ 82.52│ 83.11│ 82.18│ 78.26│ 78.68│ 78.40│
│资本充足率% │ 17.40│ 17.93│ 18.19│ 17.14│ 17.20│ 17.13│
│核心一级资本充足率% │ 10.80│ 11.08│ 11.42│ 10.72│ 11.15│ 11.44│
│不良贷款率% │ 1.25│ 1.27│ 1.30│ 1.33│ 1.37│ 1.43│
│不良贷款拨备覆盖率% │ 292.55│ 292.55│ 299.61│ 303.87│ 302.60│ 299.73│
│净利差% │ ---│ 1.16│ 1.27│ 1.45│ 1.73│ 1.96│
│净息差% │ 1.26│ 1.28│ 1.42│ 1.60│ 1.90│ 2.12│
│成本收入比% │ 24.01│ 35.18│ 34.40│ 33.86│ 31.63│ 30.46│
│非利息收入占营业收入│ ---│ 21.50│ 18.30│ 17.70│ 18.60│ 19.71│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.69│ 3.12│ 3.41│ 3.57│ 3.70│
│计息负债平均成本率% │ ---│ 1.53│ 1.85│ 1.96│ 1.84│ 1.74│
│单一最大客户贷款比例│ ---│ 2.58│ 2.64│ 1.99│ 2.59│ 2.44│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 13.87│ 13.79│ 12.02│ 13.54│ 11.67│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 97.01│ 85.34│ 75.42│ 64.21│ 62.01│
│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) │ 45288.81亿│ 44486.90亿│ 43507.53亿│ 41943.94亿│ 41677.38亿│ 41126.53亿│
│核心一级资本净额(元)│ 28113.89亿│ 27484.93亿│ 27309.58亿│ 26702.03亿│ 26300.04亿│ 25823.05亿│
│风险加权资产(元) │ 260212.00亿│ 248128.01亿│ 244710.18亿│ 240415.65亿│ 234255.98亿│ 226038.66亿│
│存款总额(元) │ 340760.38亿│ 321457.07亿│ 315840.97亿│ 314167.87亿│ 315362.60亿│ 297866.79亿│
│贷款总额(元) │ 284241.18亿│ 270826.46亿│ 269267.67亿│ 266764.02亿│ 261357.25亿│ 248562.51亿│
│不良贷款(元) │ 3553.86亿│ 3434.56亿│ 3414.04亿│ 3412.75亿│ 3346.44亿│ 3221.65亿│
│存贷比例% │ 82.52│ 83.11│ 84.16│ 83.79│ 81.79│ 82.18│
│资本充足率% │ 17.40│ 17.93│ 17.78│ 17.45│ 17.79│ 18.19│
│核心一级资本充足率% │ 10.80│ 11.08│ 11.16│ 11.11│ 11.23│ 11.42│
│不良贷款率% │ 1.25│ 1.27│ 1.27│ 1.28│ 1.28│ 1.30│
│不良贷款拨备覆盖率% │ 292.55│ 292.55│ 295.08│ 295.00│ 297.81│ 299.61│
│净利差% │ ---│ 1.16│ ---│ 1.20│ ---│ 1.27│
│净息差% │ 1.26│ 1.28│ 1.30│ 1.32│ 1.34│ 1.42│
│成本收入比% │ 24.01│ 35.18│ 29.14│ 27.81│ 25.58│ 34.40│
│非利息收入占营业收入│ ---│ 21.50│ ---│ 23.60│ ---│ 18.30│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.69│ ---│ 2.80│ ---│ 3.12│
│计息负债平均成本率% │ ---│ 1.53│ ---│ 1.60│ ---│ 1.85│
│单一最大客户贷款比例│ ---│ 2.58│ ---│ 2.68│ ---│ 2.64│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 13.87│ ---│ 14.85│ ---│ 13.79│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 97.01│ ---│ 98.94│ ---│ 85.34│
│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) │ 263615.75亿│ 241863.99亿│ 219433.92亿│ 191638.60亿│ 166368.99亿│ 145946.73亿│
│关注类(元) │ 3776.15亿│ 3476.87亿│ 3201.17亿│ 2877.99亿│ 2530.71亿│ 3043.35亿│
│次级类(元) │ 1117.91亿│ 1245.68亿│ 1401.94亿│ 1226.88亿│ 487.12亿│ 628.73亿│
│可疑类(元) │ 902.08亿│ 1417.57亿│ 1320.41亿│ 1310.72亿│ 1706.11亿│ 1526.27亿│
│损失类(元) │ 1414.57亿│ 558.40亿│ 285.25亿│ 173.02亿│ 264.59亿│ 216.13亿│
│贷款合计(元) │ 270826.46亿│ 248562.51亿│ 225642.69亿│ 197227.21亿│ 171357.52亿│ 151361.21亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.28│ 1.26│ 1.39│ 1.30│ 1.13│ 3.19│
│关注类贷款迁徙率% │ 21.30│ 18.61│ 23.85│ 25.77│ 18.04│ 30.55│
│次级类贷款迁徙率% │ 37.25│ 39.37│ 35.45│ 46.35│ 84.10│ 83.79│
│可疑类贷款迁徙率% │ 65.62│ 22.98│ 17.29│ 6.03│ 20.99│ 20.46│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 263615.75亿│ 259633.48亿│ 241863.99亿│ 236675.73亿│ 219433.92亿│ 211344.74亿│
│关注类(元) │ 3776.15亿│ 3717.79亿│ 3476.87亿│ 3458.63亿│ 3201.17亿│ 3131.59亿│
│次级类(元) │ 1117.91亿│ 1315.62亿│ 1245.68亿│ 1488.32亿│ 1401.94亿│ 1429.98亿│
│可疑类(元) │ 902.08亿│ 1023.13亿│ 1417.57亿│ 1357.07亿│ 1320.41亿│ 1268.98亿│
│损失类(元) │ 1414.57亿│ 1074.00亿│ 558.40亿│ 358.90亿│ 285.25亿│ 244.91亿│
│贷款合计(元) │ 270826.46亿│ 266764.02亿│ 248562.51亿│ 243338.65亿│ 225642.69亿│ 217420.20亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.28│ 1.61│ 1.26│ 1.47│ 1.39│ 1.82│
│关注类贷款迁徙率% │ 21.30│ 30.96│ 18.61│ 28.51│ 23.85│ 32.64│
│次级类贷款迁徙率% │ 37.25│ 67.18│ 39.37│ 64.70│ 35.45│ 47.25│
│可疑类贷款迁徙率% │ 65.62│ 116.34│ 22.98│ 27.86│ 17.29│ 13.51│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│118483700.00│ -76883000.00│ 254.11│
│/（使用）的 │其他金融机构存放│ │ │ │
│现金流量净额│款项净增加额增加│ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│发放贷款和垫│--- │2713483400.0│ 2490618700.00│ 8.95│
│款总额 │ │ 0│ │ │
│以摊余成本计│--- │ 95648000.00│ 92917400.00│ 2.94│
│量的贷款减值│ │ │ │ │
│准备 │ │ │ │ │
│发放贷款和垫│--- │2617835400.0│ 2397701300.00│ 9.18│
│款净额 │ │ 0│ │ │
│金融投资 │--- │1632131500.0│ 1384910300.00│ 17.85│
│ │ │ 0│ │ │
│现金及存放中│--- │280198500.00│ 213445200.00│ 31.27│
│央银行款项 │ │ │ │ │
│存放同业和拆│存放同业款项减少│100526400.00│ 110172300.00│ -8.76│
│出资金 │ │ │ │ │
│买入返售金融│买入返售债券增加│156499100.00│ 137157100.00│ 14.10│
│资产 │ │ │ │ │
│其他 │--- │ 91276500.00│ 80427300.00│ 13.49│
│资产合计 │--- │4878467400.0│ 4323813500.00│ 12.83│
│ │ │ 0│ │ │
│吸收存款 │--- │3264994700.0│ 3030535700.00│ 7.74│
│ │ │ 0│ │ │
│同业存放和拆│境内金融机构存放│638932000.00│ 503158300.00│ 26.98│
│入资金 │款项增加 │ │ │ │
│卖出回购金融│债券回购款项增加│145384200.00│ 61572500.00│ 136.12│
│资产款 │ │ │ │ │
│已发行债务证│发行同业存单和金│326388700.00│ 267850900.00│ 21.85│
│券 │融债券 │ │ │ │
│其他负债 │--- │178430700.00│ 150968800.00│ 18.19│
│负债合计 │--- │4554130300.0│ 4014086200.00│ 13.45│
│ │ │ 0│ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│323925500.00│280198500.00│213445200.00│292204700.00│254913000.00│232140600.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 31288600.00│ 45688300.00│ 57195600.00│108007600.00│ 63088500.00│ 21850000.00│
│发放贷款及垫款 │2747368200.0│2617835400.0│2397701300.0│2173176600.0│1898288600.0│1645450300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 49936300.00│ 54838100.00│ 52976700.00│ 51618100.00│ 50033000.00│ 44694400.00│
│贵金属 │ 25194200.00│ 20466200.00│ 11525300.00│ 5435600.00│ 8338900.00│ 9650400.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │1248645900.0│1179927000.0│990563300.00│ ---│730600000.00│637252200.00│
│ │ 0│ 0│ │ │ │ │
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│139728000.00│
│其他权益工具投资 │413958300.00│396505100.00│343016400.00│220305100.00│170210600.00│ ---│
│长期股权投资 │ 1982900.00│ 1982000.00│ 1033200.00│ 838600.00│ 809200.00│ 829700.00│
│固定资产 │ 14878200.00│ 14815700.00│ 14080300.00│ 14438700.00│ 14254200.00│ 14381700.00│
│商誉 │ 1092100.00│ 1092100.00│ 138100.00│ 138100.00│ 138100.00│ 138100.00│
│资产总计 │5102933100.0│4878467400.0│4323813500.0│3987298900.0│3392753300.0│2906915500.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │121937300.00│112747100.00│ 84732400.00│112706900.00│ 90111600.00│ 74721300.00│
│同业及其他金融机构存│663780600.00│603775900.00│466756100.00│365349700.00│245917800.00│162236600.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 36491000.00│ 35156100.00│ 36402200.00│ 38229000.00│ 33375500.00│ 29110500.00│
│吸收存款 │3451745500.0│3264994700.0│3030535700.0│2889846800.0│2512104000.0│2190712700.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │158459000.00│145384200.00│ 61572500.00│ 10052100.00│ 4377900.00│ 3603300.00│
│负债合计 │4772612800.0│4554130300.0│4014086200.0│3697612200.0│3125308200.0│2664779600.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 34998300.00│ 34998300.00│ 34998300.00│ 34998300.00│ 34998300.00│ 34998300.00│
│资本公积 │ 17342600.00│ 17342600.00│ 17341900.00│ 17342500.00│ 17342600.00│ 17355600.00│
│盈余公积 │ 33094300.00│ 33093200.00│ 30184100.00│ 27355800.00│ 24676400.00│ 22079200.00│
│未分配利润 │134335100.00│127260300.00│115075800.00│111457600.00│103252400.00│ 92595500.00│
│归属于母公司所有者权│329658900.00│323718200.00│309080800.00│288924800.00│266841200.00│241460500.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 661400.00│ 618900.00│ 646500.00│ 761900.00│ 603900.00│ 675400.00│
│股东权益合计 │330320300.00│324337100.00│309727300.00│289686700.00│267445100.00│242135900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│323925500.00│280198500.00│339528300.00│336283100.00│291846300.00│213445200.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 31288600.00│ 45688300.00│ 39589800.00│ 41091800.00│ 41102700.00│ 57195600.00│
│发放贷款及垫款 │2747368200.0│2617835400.0│2601973700.0│2576400100.0│2522100100.0│2397701300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 49936300.00│ 54838100.00│ 53652100.00│ 47246100.00│ 44230800.00│ 52976700.00│
│贵金属 │ 25194200.00│ 20466200.00│ 12819100.00│ 16848700.00│ 24992200.00│ 11525300.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │1248645900.0│1179927000.0│1106856500.0│1034896800.0│ ---│990563300.00│
│ │ 0│ 0│ 0│ 0│ │ │
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│其他权益工具投资 │413958300.00│396505100.00│373555400.00│357025700.00│ ---│343016400.00│
│长期股权投资 │ 1982900.00│ 1982000.00│ 1691100.00│ 1559700.00│ 1035800.00│ 1033200.00│
│固定资产 │ 14878200.00│ 14815700.00│ 13716100.00│ 13764700.00│ 13971900.00│ 14080300.00│
│商誉 │ 1092100.00│ 1092100.00│ 138100.00│ 138100.00│ 138100.00│ 138100.00│
│资产总计 │5102933100.0│4878467400.0│4813542900.0│4685587800.0│4481895700.0│4323813500.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │121937300.00│112747100.00│108397500.00│ 94277800.00│ 67100700.00│ 84732400.00│
│同业及其他金融机构存│663780600.00│603775900.00│642173400.00│567007100.00│405683900.00│466756100.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 36491000.00│ 35156100.00│ 36482800.00│ 36647500.00│ 42790500.00│ 36402200.00│
│吸收存款 │3451745500.0│3264994700.0│3206782300.0│3190048600.0│3201735100.0│3030535700.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │158459000.00│145384200.00│124849600.00│106645800.00│ 78963700.00│ 61572500.00│
│负债合计 │4772612800.0│4554130300.0│4496021800.0│4370663700.0│4167595200.0│4014086200.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 34998300.00│ 34998300.00│ 34998300.00│ 34998300.00│ 34998300.00│ 34998300.00│
│资本公积 │ 17342600.00│ 17342600.00│ 17341300.00│ 17341500.00│ 17341900.00│ 17341900.00│
│盈余公积 │ 33094300.00│ 33093200.00│ 30227100.00│ 30227100.00│ 30185000.00│ 30184100.00│
│未分配利润 │134335100.00│127260300.00│127523600.00│119950900.00│121813400.00│115075800.00│
│归属于母公司所有者权│329658900.00│323718200.00│316850200.00│314310000.00│313726100.00│309080800.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 661400.00│ 618900.00│ 670900.00│ 614100.00│ 574400.00│ 646500.00│
│股东权益合计 │330320300.00│324337100.00│317521100.00│314924100.00│314300500.00│309727300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 20625500.00│ 72530600.00│ 71055500.00│ 69482800.00│ 72486800.00│ 71991500.00│
│利息净收入 │ 15119600.00│ 56959400.00│ 58069200.00│ 57175000.00│ 58996600.00│ 57798700.00│
│手续费及佣金净收入 │ 3020800.00│ 8808500.00│ 7556700.00│ 8009300.00│ 8128200.00│ 8032900.00│
│投资收益 │ 1804300.00│ 4297300.00│ 3113900.00│ 2774900.00│ 1705700.00│ 2704400.00│
│公允价值变动收益 │ 158000.00│ 983700.00│ 799200.00│ 307000.00│ 564700.00│ -401900.00│
│汇兑收益 │ 189600.00│ 483900.00│ 722200.00│ 482900.00│ -543900.00│ 689400.00│
│营业支出 │ 12744100.00│ 40004400.00│ 39077400.00│ 38603500.00│ 41712000.00│ 42410300.00│
│营业税金及附加 │ 183100.00│ 784000.00│ 754800.00│ 726000.00│ 652500.00│ 660600.00│
│业务及管理费 │ 4952200.00│ 25513100.00│ 24442000.00│ 23529600.00│ 22927300.00│ 21930800.00│
│资产减值损失 │ ---│ 1800.00│ 26700.00│ 22600.00│ 5900.00│ 11400.00│
│营业利润 │ 7881400.00│ 32526200.00│ 31978100.00│ 30879300.00│ 30774800.00│ 29581200.00│
│营业外收入 │ 8600.00│ 67200.00│ 67400.00│ 57300.00│ 47500.00│ 196400.00│
│营业外支出 │ 22700.00│ 224500.00│ 125400.00│ 194700.00│ 200700.00│ 189600.00│
│利润总额 │ 7867300.00│ 32368900.00│ 31920100.00│ 30741900.00│ 30621600.00│ 29588000.00│
│所得税 │ 309300.00│ 3168600.00│ 3653000.00│ 3759900.00│ 4752800.00│ 5394400.00│
│净利润 │ 7558000.00│ 29200300.00│ 28267100.00│ 26982000.00│ 25868800.00│ 24193600.00│
│归属母公司净利润 │ 7518500.00│ 29104100.00│ 28208300.00│ 26935600.00│ 25914000.00│ 24118300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 20625500.00│ 72530600.00│ 55087600.00│ 36993700.00│ 18667400.00│ 71055500.00│
│利息净收入 │ 15119600.00│ 56959400.00│ 42730800.00│ 28247300.00│ 14057700.00│ 58069200.00│
│手续费及佣金净收入 │ 3020800.00│ 8808500.00│ 6987700.00│ 5144100.00│ 2800900.00│ 7556700.00│
│投资收益 │ 1804300.00│ 4297300.00│ 3423300.00│ 2315300.00│ 717300.00│ 3113900.00│
│公允价值变动收益 │ 158000.00│ 983700.00│ 853900.00│ 499200.00│ 391100.00│ 799200.00│
│汇兑收益 │ 189600.00│ 483900.00│ 299400.00│ 230600.00│ 438400.00│ 722200.00│
│营业支出 │ 12744100.00│ 40004400.00│ 30080400.00│ 20900100.00│ 10867600.00│ 39077400.00│
│营业税金及附加 │ 183100.00│ 784000.00│ 556100.00│ 385900.00│ 173300.00│ 754800.00│
│业务及管理费 │ 4952200.00│ 25513100.00│ 16051100.00│ 10287400.00│ 4775000.00│ 24442000.00│
│资产减值损失 │ ---│ 1800.00│ 1700.00│ 1400.00│ 1300.00│ 26700.00│
│营业利润 │ 7881400.00│ 32526200.00│ 25007200.00│ 16093600.00│ 7799800.00│ 31978100.00│
│营业外收入 │ 8600.00│ 67200.00│ 35300.00│ 18600.00│ 7600.00│ 67400.00│
│营业外支出 │ 22700.00│ 224500.00│ 113300.00│ 58200.00│ 43100.00│ 125400.00│
│利润总额 │ 7867300.00│ 32368900.00│ 24929200.00│ 16054000.00│ 7764300.00│ 31920100.00│
│所得税 │ 309300.00│ 3168600.00│ 2696900.00│ 2059700.00│ 552700.00│ 3653000.00│
│净利润 │ 7558000.00│ 29200300.00│ 22232300.00│ 13994300.00│ 7211600.00│ 28267100.00│
│归属母公司净利润 │ 7518500.00│ 29104100.00│ 22085900.00│ 13951000.00│ 7193100.00│ 28208300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │304312700.00│583024900.00│510949200.00│630606800.00│520024300.00│317069700.00│
│经营活动现金流出 │185829000.00│371734200.00│375645000.00│448078600.00│387824000.00│293108200.00│
│经营活动现金流量净额│118483700.00│211290700.00│135304200.00│182528200.00│132200300.00│ 23961500.00│
│投资活动现金流入 │109374000.00│428384100.00│452218900.00│255646000.00│228030100.00│187563600.00│
│投资活动现金流出 │183026700.00│635500400.00│676572600.00│388766700.00│333229100.00│220687300.00│
│投资活动现金流量净额│-73652700.00│-207116300.0│-224353700.0│-133120700.0│-105199000.0│-33123700.00│
│ │ │ 0│ 0│ 0│ 0│ │
│筹资活动现金流入 │ 49962200.00│458551300.00│374314800.00│338394100.00│211555200.00│167516400.00│
│筹资活动现金流出 │100454500.00│423255800.00│351752000.00│307650100.00│181733500.00│162116100.00│
│筹资活动现金流量净额│-50492300.00│ 35295500.00│ 22562800.00│ 30744000.00│ 29821700.00│ 5400300.00│
│汇率变动对现金的影响│ -555600.00│ -196900.00│ -124600.00│ 557700.00│ 1264100.00│ -1277200.00│
│现金及等价物净增加额│ -6216900.00│ 39273000.00│-66611300.00│ 80709200.00│ 58087100.00│ -5039100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │304312700.00│583024900.00│521205000.00│370785300.00│163838300.00│510949200.00│
│经营活动现金流出 │185829000.00│371734200.00│317792200.00│270204900.00│240721300.00│375645000.00│
│经营活动现金流量净额│118483700.00│211290700.00│203412800.00│100580400.00│-76883000.00│135304200.00│
│投资活动现金流入 │109374000.00│428384100.00│333619500.00│221935000.00│ 99187700.00│452218900.00│
│投资活动现金流出 │183026700.00│635500400.00│454419700.00│260293200.00│113769400.00│676572600.00│
│投资活动现金流量净额│-73652700.00│-207116300.0│-120800200.0│-38358200.00│-14581700.00│-224353700.0│
│ │ │ 0│ 0│ │ │ 0│
│筹资活动现金流入 │ 49962200.00│458551300.00│350010700.00│229957500.00│117234500.00│374314800.00│
│筹资活动现金流出 │100454500.00│423255800.00│324599300.00│199567700.00│ 79792300.00│351752000.00│
│筹资活动现金流量净额│-50492300.00│ 35295500.00│ 25411400.00│ 30389800.00│ 37442200.00│ 22562800.00│
│汇率变动对现金的影响│ -555600.00│ -196900.00│ 652800.00│ 757600.00│ 320600.00│ -124600.00│
│现金及等价物净增加额│ -6216900.00│ 39273000.00│108676800.00│ 93369600.00│-53701900.00│-66611300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 18667400.00│ 25.74│ 7193100.00│ 24.72│
│二季报 │ 18326300.00│ 25.27│ 6757900.00│ 23.22│
│三季报 │ 18093900.00│ 24.95│ 8134900.00│ 27.95│
│四季报 │ 17443000.00│ 24.05│ 7018200.00│ 24.11│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 18602100.00│ 26.18│ 7038600.00│ 24.95│
│二季报 │ 18081400.00│ 25.45│ 6550600.00│ 23.22│
│三季报 │ 17337700.00│ 24.40│ 7848000.00│ 27.82│
│四季报 │ 17034300.00│ 23.97│ 6771100.00│ 24.00│
└──────┴───────┴───────┴───────┴───────┘
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