财务分析☆ ◇601398 工商银行 更新日期：2026-08-08◇ 通达信沪深京F10
★本栏包括【1.主要财务指标】【2.偿债能力指标】【3.营运能力指标】【4.盈利能力指标】
【5.成长能力指标】【6.银行专项指标】【7.贷款五级分类】【8.指标变动说明】
【9.资产负债表摘要】【10.利润表摘要】【11.现金流量表摘要】【12.环比分析】
【1.主要财务指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 无保留意见│ 无保留意见│ 无保留意见│ 无保留意见│ 无保留意见│
│归母净利(未调整:万) │ 8694100.00│ 36856200.00│ 36586300.00│ 36399300.00│ 36048300.00│ 34833800.00│
│归母净利(调整后:万) │ ---│ ---│ 36586300.00│ 36399300.00│ 36113200.00│ 34833800.00│
│净利润增长率(%) │ 3.31│ 0.74│ 0.51│ 0.79│ 3.49│ 10.27│
│扣非净利润(万) │ 8679500.00│ 36812600.00│ 36427700.00│ 36141100.00│ 34309900.00│ 34589900.00│
│营业总收(未调整:万) │ 23037000.00│ 83827000.00│ 82180300.00│ 84307000.00│ 91798900.00│ 94276200.00│
│营业总收(调整后:万) │ ---│ ---│ 82180300.00│ 84307000.00│ 87573400.00│ 94276200.00│
│总营收同比增长率(%) │ 8.27│ 2.00│ -2.52│ -3.73│ -2.63│ 6.81│
│加权净资产收益率(%) │ 2.21│ 9.45│ 9.88│ 10.66│ 11.43│ 12.15│
│资产负债比率(%) │ 92.19│ 92.01│ 91.83│ 91.55│ 91.13│ 90.69│
│净利润现金含量(%) │ 1629.01│ 512.95│ 158.31│ 389.29│ 389.66│ 103.60│
│基本每股收益(元) │ 0.2400│ 1.0000│ 0.9800│ 0.9800│ 0.9700│ 0.9500│
│每股收益-扣除(元) │ 0.2435│ 1.0000│ 0.9800│ 0.9700│ 0.9600│ 0.9400│
│每股收益-摊薄(元) │ 0.2439│ 1.0341│ 1.0265│ 1.0213│ 1.0114│ 0.9774│
│每股资本公积金(元) │ 0.4029│ 0.4037│ 0.4156│ 0.4157│ 0.4157│ 0.4169│
│每股未分配利润(元) │ 6.3585│ 6.1170│ 5.6511│ 5.3648│ 4.9593│ 4.5472│
│每股净资产(元) │ 11.0624│ 10.8300│ 10.2300│ 9.5500│ 8.8125│ 8.1500│
│每股经营现金流量(元)│ 3.9738│ 5.3044│ 1.6251│ 3.9758│ 3.9412│ 1.0126│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 8694100.00│ 36856200.00│ 26990800.00│ 16810300.00│ 8415600.00│ 36586300.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 8415600.00│ 36586300.00│
│净利润增长率(%) │ 3.31│ 0.74│ 0.33│ -1.39│ -3.99│ 0.51│
│扣非净利润(万) │ 8679500.00│ 36812600.00│ 26940400.00│ 16771600.00│ 8386800.00│ 36427700.00│
│营业总收(未调整:万) │ 23037000.00│ 83827000.00│ 64002800.00│ 42709200.00│ 21277400.00│ 82180300.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 21277400.00│ 82180300.00│
│总营收同比增长率(%) │ 8.27│ 2.00│ 2.17│ 1.57│ -3.22│ -2.52│
│加权净资产收益率(%) │ 2.21│ 9.45│ 6.98│ 4.41│ 2.27│ 9.88│
│资产负债比率(%) │ 92.19│ 92.01│ 92.06│ 92.09│ 92.12│ 91.83│
│净利润现金含量(%) │ 1629.01│ 512.95│ 573.98│ 467.76│ 1119.92│ 158.31│
│基本每股收益(元) │ 0.2400│ 1.0000│ 0.7300│ 0.4600│ 0.2300│ 0.9800│
│每股收益-扣除(元) │ 0.2435│ 1.0000│ 0.7559│ 0.4600│ 0.2353│ 0.9800│
│每股收益-摊薄(元) │ 0.2439│ 1.0341│ 0.7573│ 0.4717│ 0.2361│ 1.0265│
│每股资本公积金(元) │ 0.4029│ 0.4037│ 0.4123│ 0.4149│ 0.4156│ 0.4156│
│每股未分配利润(元) │ 6.3585│ 6.1170│ 6.2182│ 5.9463│ 5.8840│ 5.6511│
│每股净资产(元) │ 11.0624│ 10.8300│ 10.7287│ 10.5200│ 10.4147│ 10.2300│
│每股经营现金流量(元)│ 3.9738│ 5.3044│ 4.3467│ 2.2062│ 2.6444│ 1.6251│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 92.19│ 92.01│ 91.83│ 91.55│ 91.13│ 90.69│
│产权比率 │ 11.88│ 11.59│ 11.29│ 10.89│ 10.33│ 9.79│
│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(%) │ 92.19│ 92.01│ 92.06│ 92.09│ 92.12│ 91.83│
│产权比率 │ 11.88│ 11.59│ 11.66│ 11.71│ 11.77│ 11.29│
│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 │ 0.86│ 3.04│ 2.98│ 3.08│ 3.37│ 3.63│
│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 │ 0.86│ 3.04│ 2.30│ 1.52│ 0.76│ 2.98│
│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 │ 2.01│ 8.68│ 9.22│ 9.69│ 10.31│ 10.69│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 44.27│ 50.59│ 51.21│ 49.91│ 45.79│ 44.93│
│销售净利率 │ 38.21│ 44.23│ 44.65│ 43.31│ 39.33│ 37.15│
│总资产净利率 │ 0.16│ 0.72│ 0.78│ 0.87│ 0.97│ 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 │ 2.01│ 8.68│ 6.48│ 4.09│ 2.09│ 9.22│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 44.27│ 50.59│ 49.77│ 46.57│ 46.76│ 51.21│
│销售净利率 │ 38.21│ 44.23│ 42.48│ 39.52│ 39.81│ 44.65│
│总资产净利率 │ 0.16│ 0.72│ 0.54│ 0.33│ 0.17│ 0.78│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 8.27│ 2.00│ -2.52│ -3.73│ -2.63│ 6.81│
│营业利润增长率 │ 2.49│ 0.77│ 0.03│ -0.42│ -0.75│ 8.22│
│净利润增长率 │ 3.31│ 0.74│ 0.51│ 0.79│ 3.49│ 10.27│
│净资产增长率 │ 1.96│ 6.91│ 5.67│ 7.46│ 7.29│ 12.59│
│总资产增长率 │ 4.29│ 9.54│ 9.23│ 12.84│ 12.62│ 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 │ 8.27│ 2.00│ 2.17│ 1.57│ -3.22│ -2.52│
│营业利润增长率 │ 2.49│ 0.77│ 3.58│ 1.27│ -2.53│ 0.03│
│净利润增长率 │ 3.31│ 0.74│ 0.33│ -1.39│ -3.99│ 0.51│
│净资产增长率 │ 1.96│ 6.91│ 5.00│ 3.65│ 1.67│ 5.67│
│总资产增长率 │ 4.29│ 9.54│ 8.18│ 7.16│ 5.58│ 9.23│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 53829.32亿│ 53027.96亿│ 49865.31亿│ 47071.00亿│ 42810.79亿│ 39096.69亿│
│核心一级资本净额(元)│ 39201.07亿│ 38371.49亿│ 36243.42亿│ 33819.41亿│ 31210.80亿│ 28863.78亿│
│风险加权资产(元) │ 295658.04亿│ 282699.48亿│ 257108.55亿│ 246416.31亿│ 222252.72亿│ 216903.49亿│
│存款总额(元) │ 381395.05亿│ 368071.33亿│ 342776.36亿│ 329856.81亿│ 294159.25亿│ 260797.80亿│
│贷款总额(元) │ 316482.52亿│ 305061.14亿│ 283722.29亿│ 260864.82亿│ 232123.12亿│ 206672.45亿│
│不良贷款(元) │ 4138.76亿│ 3990.13亿│ 3794.58亿│ 3535.02亿│ 3211.70亿│ 2934.29亿│
│存贷比例% │ 82.02│ 80.60│ 80.50│ 76.70│ 76.70│ 77.30│
│资本充足率% │ 18.21│ 18.76│ 19.39│ 19.10│ 19.26│ 18.02│
│核心一级资本充足率% │ 13.26│ 13.57│ 14.10│ 13.72│ 14.04│ 13.31│
│不良贷款率% │ 1.31│ 1.31│ 1.34│ 1.36│ 1.38│ 1.42│
│不良贷款拨备覆盖率% │ 214.38│ 213.60│ 214.91│ 213.97│ 209.47│ 205.84│
│净利差% │ ---│ 1.15│ 1.23│ 1.41│ 1.73│ 1.92│
│净息差% │ 1.29│ 1.28│ 1.42│ 1.61│ 1.92│ 2.11│
│成本收入比% │ 21.18│ 28.05│ 28.04│ 26.96│ 25.01│ 23.97│
│非利息收入占营业收入│ ---│ 24.20│ 22.40│ 22.30│ 24.40│ 26.70│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.68│ 3.17│ 3.45│ 3.55│ 3.56│
│计息负债平均成本率% │ ---│ 1.53│ 1.94│ 2.04│ 1.82│ 1.64│
│单一最大客户贷款比例│ ---│ 4.40│ 4.40│ 4.50│ 3.80│ 3.60│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 19.40│ 21.60│ 23.50│ 16.00│ 14.20│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 63.20│ 58.40│ 54.50│ 42.30│ 41.50│
│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) │ 53829.32亿│ 53027.96亿│ 52811.25亿│ 52452.19亿│ 50891.99亿│ 49865.31亿│
│核心一级资本净额(元)│ 39201.07亿│ 38371.49亿│ 38017.53亿│ 37285.32亿│ 36907.90亿│ 36243.42亿│
│风险加权资产(元) │ 295658.04亿│ 282699.48亿│ 280220.90亿│ 268484.01亿│ 265800.39亿│ 257108.55亿│
│存款总额(元) │ 381395.05亿│ 368071.33亿│ 368108.15亿│ 364028.05亿│ 359126.82亿│ 342776.36亿│
│贷款总额(元) │ 316482.52亿│ 305061.14亿│ 304519.29亿│ 301856.59亿│ 296830.41亿│ 283722.29亿│
│不良贷款(元) │ 4138.76亿│ 3990.13亿│ 4048.38亿│ 4001.05亿│ 3953.99亿│ 3794.58亿│
│存贷比例% │ 82.02│ 80.60│ 81.62│ 80.50│ 81.48│ 80.50│
│资本充足率% │ 18.21│ 18.76│ 18.85│ 19.54│ 19.15│ 19.39│
│核心一级资本充足率% │ 13.26│ 13.57│ 13.57│ 13.89│ 13.89│ 14.10│
│不良贷款率% │ 1.31│ 1.31│ 1.33│ 1.33│ 1.33│ 1.34│
│不良贷款拨备覆盖率% │ 214.38│ 213.60│ 217.21│ 217.71│ 215.70│ 214.91│
│净利差% │ ---│ 1.15│ ---│ 1.16│ ---│ 1.23│
│净息差% │ 1.29│ 1.28│ 1.28│ 1.30│ 1.33│ 1.42│
│成本收入比% │ 21.18│ 28.05│ 25.25│ 24.10│ 21.97│ 28.04│
│非利息收入占营业收入│ ---│ 24.20│ ---│ 26.60│ ---│ 22.40│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.68│ ---│ 2.79│ ---│ 3.17│
│计息负债平均成本率% │ ---│ 1.53│ ---│ 1.63│ ---│ 1.94│
│单一最大客户贷款比例│ ---│ 4.40│ ---│ 4.30│ ---│ 4.40│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 19.40│ ---│ 19.30│ ---│ 21.60│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 63.20│ ---│ 60.60│ ---│ 58.40│
│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) │ 295124.45亿│ 274186.00亿│ 252502.75亿│ 224395.14亿│ 199617.78亿│ 179184.30亿│
│关注类(元) │ 5946.56亿│ 5741.71亿│ 4827.05亿│ 4516.28亿│ 4120.38亿│ 4119.00亿│
│次级类(元) │ 906.67亿│ 858.81亿│ 985.27亿│ 1583.72亿│ 1348.95亿│ 1144.38亿│
│可疑类(元) │ 759.09亿│ 1030.49亿│ 1165.27亿│ 1185.74亿│ 1289.83亿│ 1499.26亿│
│损失类(元) │ 2324.37亿│ 1905.28亿│ 1384.48亿│ 442.24亿│ 295.51亿│ 296.14亿│
│贷款合计(元) │ 305061.14亿│ 283722.29亿│ 260864.82亿│ 232123.12亿│ 206672.45亿│ 186243.08亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.97│ 1.09│ 1.05│ 1.10│ 1.60│ 1.70│
│关注类贷款迁徙率% │ 17.44│ 17.44│ 18.61│ 21.00│ 20.10│ 36.40│
│次级类贷款迁徙率% │ 59.24│ 59.86│ 61.74│ 36.60│ 41.20│ 60.90│
│可疑类贷款迁徙率% │ 68.89│ 53.45│ 77.49│ 42.50│ 14.30│ 19.20│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 295124.45亿│ 292096.71亿│ 274186.00亿│ 269280.35亿│ 252502.75亿│ 244949.43亿│
│关注类(元) │ 5946.56亿│ 5758.83亿│ 5741.71亿│ 5341.65亿│ 4827.05亿│ 4533.73亿│
│次级类(元) │ 906.67亿│ 968.66亿│ 858.81亿│ 924.53亿│ 985.27亿│ 1546.10亿│
│可疑类(元) │ 759.09亿│ 958.54亿│ 1030.49亿│ 1466.92亿│ 1165.27亿│ 1237.80亿│
│损失类(元) │ 2324.37亿│ 2073.85亿│ 1905.28亿│ 1362.05亿│ 1384.48亿│ 652.15亿│
│贷款合计(元) │ 305061.14亿│ 301856.59亿│ 283722.29亿│ 278375.50亿│ 260864.82亿│ 252919.21亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.97│ 1.22│ 1.09│ 1.36│ 1.05│ 1.20│
│关注类贷款迁徙率% │ 17.44│ 27.01│ 17.44│ 24.66│ 18.61│ 24.70│
│次级类贷款迁徙率% │ 59.24│ 118.35│ 59.86│ 101.90│ 61.74│ 60.90│
│可疑类贷款迁徙率% │ 68.89│ 90.14│ 53.45│ 47.08│ 77.49│ 73.70│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│同业及其他金融机│141627600.00│ 94247900.00│ 50.27│
│的现金流量净│构存放款项、卖出│ │ │ │
│额 │回购款项净增加额│ │ │ │
│ │增加使得现金流入│ │ │ │
│ │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(%)│
├──────┼────────┼──────┼────────┼──────┤
│利息净收入 │--- │ 63512600.00│ 63740500.00│ -0.36│
│非利息收入 │--- │ 20314400.00│ 18439800.00│ 10.17│
│营业收入 │--- │ 83827000.00│ 82180300.00│ 2.00│
│营业支出 │--- │ 41415900.00│ 40091800.00│ 3.30│
│税金及附加 │--- │ 1065800.00│ 1076500.00│ -0.99│
│业务及管理费│--- │ 23517300.00│ 23046000.00│ 2.05│
│信用减值损失│--- │ 13297300.00│ 12573900.00│ 5.75│
│其他资产减值│--- │ 188700.00│ 92400.00│ 104.22│
│损失 │ │ │ │ │
│其他业务成本│--- │ 3346800.00│ 3303000.00│ 1.33│
│营业利润 │--- │ 42411100.00│ 42088500.00│ 0.77│
│营业外收支净│--- │ 32400.00│ 94200.00│ -65.61│
│额 │ │ │ │ │
│税前利润 │--- │ 42443500.00│ 42182700.00│ 0.62│
│所得税费用 │--- │ 5366900.00│ 5488100.00│ -2.21│
│净利润 │--- │ 37076600.00│ 36694600.00│ 1.04│
│归属于母公司│--- │ 36856200.00│ 36586300.00│ 0.74│
│股东净利润 │ │ │ │ │
│归属于少数股│--- │ 220400.00│ 108300.00│ 103.51│
│东净利润 │ │ │ │ │
│客户贷款及垫│--- │3050611400.0│ 2837222900.00│ 7.52│
│款总额 │ │ 0│ │ │
│应计利息 │--- │ 5799500.00│ 5662400.00│ 2.42│
│以摊余成本计│--- │ 85175000.00│ 81507200.00│ 4.50│
│量的客户贷款│ │ │ │ │
│及垫款的减值│ │ │ │ │
│准备 │ │ │ │ │
│客户贷款及垫│--- │2971235900.0│ 2761378100.00│ 7.60│
│款净额 │ │ 0│ │ │
│投资 │--- │1690741500.0│ 1415357600.00│ 19.46│
│ │ │ 0│ │ │
│现金及存放中│--- │367455800.00│ 332291100.00│ 10.58│
│央银行款项 │ │ │ │ │
│存放和拆放同│--- │126401900.00│ 121987600.00│ 3.62│
│业及其他金融│ │ │ │ │
│机构款项 │ │ │ │ │
│买入返售款项│本行持续加大实体│ 53073700.00│ 121021700.00│ -56.15│
│ │经济支持力度，适│ │ │ │
│ │度减少短期同业融│ │ │ │
│ │出资金规模 │ │ │ │
│其他资产 │--- │138868500.00│ 130138500.00│ 6.71│
│资产合计 │--- │5347777300.0│ 4882174600.00│ 9.54│
│ │ │ 0│ │ │
│客户存款 │--- │3731177800.0│ 3483697300.00│ 7.10│
│ │ │ 0│ │ │
│同业及其他金│--- │510324700.00│ 459096500.00│ 11.16│
│融机构存放和│ │ │ │ │
│拆入款项 │ │ │ │ │
│卖出回购款项│本行进一步拓展多│253637600.00│ 152355500.00│ 66.48│
│ │渠道资金来源，合│ │ │ │
│ │理增加融入资金规│ │ │ │
│ │模 │ │ │ │
│已发行债务证│--- │221680700.00│ 202872200.00│ 9.27│
│券 │ │ │ │ │
│其他负债 │--- │203754100.00│ 185426500.00│ 9.88│
│负债合计 │--- │4920574900.0│ 4483448000.00│ 9.75│
│ │ │ 0│ │ │
│经营活动产生│客户存款净增额增│189053000.00│ 57919400.00│ 226.41│
│的现金流量净│加 │ │ │ │
│额 │ │ │ │ │
│投资活动现金│收回金融投资所收│566433200.00│ 507911500.00│ 11.52│
│流入小计 │到的现金增加 │ │ │ │
│投资活动现金│金融投资所支付的│808191400.00│ 655058300.00│ 23.38│
│流出小计 │现金增加 │ │ │ │
│筹资活动现金│发行债务证券所收│259538000.00│ 214346000.00│ 21.08│
│流入小计 │到的现金增加 │ │ │ │
│筹资活动现金│偿还债务证券所支│256037500.00│ 172777700.00│ 48.19│
│流出小计 │付的现金增加 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│339901700.00│367455800.00│332291100.00│404229300.00│342789200.00│309843800.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 42417200.00│ 42240200.00│ 48076500.00│ 41425800.00│ 36562500.00│ 34645700.00│
│发放贷款及垫款 │3082647200.0│2971235900.0│2761378100.0│2538693300.0│2259364800.0│2010920000.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 81958800.00│ 84161700.00│ 73911100.00│ 70245900.00│ 67687900.00│ 48069300.00│
│贵金属 │ 49487200.00│ 33012300.00│ 20824200.00│ 13942500.00│ 27328900.00│ 26596200.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │1286295100.0│1214018300.0│985198500.00│ ---│ ---│180360400.00│
│ │ 0│ 0│ │ │ │ │
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│683093300.00│
│其他权益工具投资 │ ---│ ---│ ---│ ---│217801800.00│ ---│
│长期股权投资 │ 7763900.00│ 7831300.00│ 7335700.00│ 6477800.00│ 6587800.00│ 6178200.00│
│固定资产 │ 26519300.00│ 27293300.00│ 27939400.00│ 27283200.00│ 27483900.00│ 27001700.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │5577258400.0│5347777300.0│4882174600.0│4469707900.0│3960965700.0│3517138300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 16082600.00│ 17679300.00│ 16962200.00│ 23137400.00│ 14578100.00│ 3972300.00│
│同业及其他金融机构存│527225400.00│456869600.00│402053700.00│284138500.00│266490100.00│243168900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 56169400.00│ 53455100.00│ 57042800.00│ 52847300.00│ 52066300.00│ 48934000.00│
│吸收存款 │3858720300.0│3731177800.0│3483697300.0│3352117400.0│2987049100.0│2644177400.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │304950100.00│253637600.00│152355500.00│101810600.00│ 57477800.00│ 36594300.00│
│负债合计 │5141682500.0│4920574900.0│4483448000.0│4092049100.0│3609583100.0│3189612500.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 35640700.00│ 35640700.00│ 35640700.00│ 35640700.00│ 35640700.00│ 35640700.00│
│资本公积 │ 14358100.00│ 14387100.00│ 14812800.00│ 14816400.00│ 14817400.00│ 14859700.00│
│盈余公积 │ 50119200.00│ 50117700.00│ 46436500.00│ 42835900.00│ 39248700.00│ 35716900.00│
│未分配利润 │226620100.00│218015200.00│201408600.00│191206700.00│176753700.00│162064200.00│
│归属于母公司所有者权│432739100.00│424425900.00│396984100.00│375688700.00│349517100.00│325775500.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 2836800.00│ 2776500.00│ 1742500.00│ 1970100.00│ 1865500.00│ 1750300.00│
│股东权益合计 │435575900.00│427202400.00│398726600.00│377658800.00│351382600.00│327525800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│339901700.00│367455800.00│343206700.00│305577200.00│351830400.00│332291100.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 42417200.00│ 42240200.00│ 48744300.00│ 53304900.00│ 57457500.00│ 48076500.00│
│发放贷款及垫款 │3082647200.0│2971235900.0│2963493700.0│2937188700.0│2888964500.0│2761378100.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 81958800.00│ 84161700.00│ 72895900.00│ 71438800.00│ 63068900.00│ 73911100.00│
│贵金属 │ 49487200.00│ 33012300.00│ 38543000.00│ 29764300.00│ 25429600.00│ 20824200.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │1286295100.0│1214018300.0│1153160100.0│1059521700.0│ ---│985198500.00│
│ │ 0│ 0│ 0│ 0│ │ │
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ 7763900.00│ 7831300.00│ 7786900.00│ 7771600.00│ 7393800.00│ 7335700.00│
│固定资产 │ 26519300.00│ 27293300.00│ 27770400.00│ 28101800.00│ 27866900.00│ 27939400.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │5577258400.0│5347777300.0│5281342100.0│5231793100.0│5154704500.0│4882174600.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 16082600.00│ 17679300.00│ 16186400.00│ 16125200.00│ 16862700.00│ 16962200.00│
│同业及其他金融机构存│527225400.00│456869600.00│445541100.00│458128800.00│445255800.00│402053700.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 56169400.00│ 53455100.00│ 57682200.00│ 58884700.00│ 57094400.00│ 57042800.00│
│吸收存款 │3858720300.0│3731177800.0│3730782400.0│3690455600.0│3643183200.0│3483697300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │304950100.00│253637600.00│216764100.00│172658700.00│182451100.00│152355500.00│
│负债合计 │5141682500.0│4920574900.0│4861963800.0│4817905500.0│4748621900.0│4483448000.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 35640700.00│ 35640700.00│ 35640700.00│ 35640700.00│ 35640700.00│ 35640700.00│
│资本公积 │ 14358100.00│ 14387100.00│ 14694600.00│ 14785700.00│ 14812800.00│ 14812800.00│
│盈余公积 │ 50119200.00│ 50117700.00│ 46476900.00│ 46477600.00│ 46448000.00│ 46436500.00│
│未分配利润 │226620100.00│218015200.00│221620600.00│211930700.00│209710500.00│201408600.00│
│归属于母公司所有者权│432739100.00│424425900.00│416842700.00│411469200.00│403622400.00│396984100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 2836800.00│ 2776500.00│ 2535600.00│ 2418400.00│ 2460200.00│ 1742500.00│
│股东权益合计 │435575900.00│427202400.00│419378300.00│413887600.00│406082600.00│398726600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 23037000.00│ 83827000.00│ 82180300.00│ 84307000.00│ 91798900.00│ 94276200.00│
│利息净收入 │ 16853100.00│ 63512600.00│ 63740500.00│ 65501300.00│ 69368700.00│ 69068000.00│
│手续费及佣金净收入 │ 4091600.00│ 11117100.00│ 10939700.00│ 11935700.00│ 12926500.00│ 13302400.00│
│投资收益 │ 1463800.00│ 6328600.00│ 4093000.00│ 4587600.00│ 4022000.00│ 3399900.00│
│公允价值变动收益 │ 73300.00│ 51100.00│ 1222000.00│ 271100.00│ -1155800.00│ 1447300.00│
│汇兑收益 │ -178800.00│ -49000.00│ -691100.00│ -778500.00│ -375600.00│ 357100.00│
│营业支出 │ 12839300.00│ 41415900.00│ 40091800.00│ 42231000.00│ 49761100.00│ 51919800.00│
│营业税金及附加 │ 325500.00│ 1065800.00│ 1076500.00│ 1066200.00│ 1010000.00│ 931800.00│
│业务及管理费 │ 4879000.00│ 23517300.00│ 23046000.00│ 22726600.00│ 22961500.00│ 22594500.00│
│资产减值损失 │ 15200.00│ 188700.00│ 92400.00│ 15081600.00│ 18241900.00│ 20262300.00│
│营业利润 │ 10197700.00│ 42411100.00│ 42088500.00│ 42076000.00│ 42037800.00│ 42356400.00│
│营业外收入 │ 21800.00│ 136700.00│ 187200.00│ 197600.00│ 335600.00│ 229900.00│
│营业外支出 │ 24200.00│ 104300.00│ 93000.00│ 77000.00│ 116900.00│ 96400.00│
│利润总额 │ 10195300.00│ 42443500.00│ 42182700.00│ 42196600.00│ 42256500.00│ 42489900.00│
│所得税 │ 1394000.00│ 5366900.00│ 5488100.00│ 5685000.00│ 6152700.00│ 7468300.00│
│净利润 │ 8801300.00│ 37076600.00│ 36694600.00│ 36511600.00│ 36103800.00│ 35021600.00│
│归属母公司净利润 │ 8694100.00│ 36856200.00│ 36586300.00│ 36399300.00│ 36048300.00│ 34833800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 23037000.00│ 83827000.00│ 64002800.00│ 42709200.00│ 21277400.00│ 82180300.00│
│利息净收入 │ 16853100.00│ 63512600.00│ 47341600.00│ 31357600.00│ 15678400.00│ 63740500.00│
│手续费及佣金净收入 │ 4091600.00│ 11117100.00│ 9086800.00│ 6702000.00│ 3887800.00│ 10939700.00│
│投资收益 │ 1463800.00│ 6328600.00│ 4861500.00│ 3288500.00│ 1333500.00│ 4093000.00│
│公允价值变动收益 │ 73300.00│ 51100.00│ 417200.00│ -98800.00│ -253800.00│ 1222000.00│
│汇兑收益 │ -178800.00│ -49000.00│ 32400.00│ -49800.00│ -104000.00│ -691100.00│
│营业支出 │ 12839300.00│ 41415900.00│ 32151800.00│ 22818600.00│ 11327700.00│ 40091800.00│
│营业税金及附加 │ 325500.00│ 1065800.00│ 747100.00│ 519900.00│ 245800.00│ 1076500.00│
│业务及管理费 │ 4879000.00│ 23517300.00│ 16159200.00│ 10292200.00│ 4675400.00│ 23046000.00│
│资产减值损失 │ 15200.00│ 188700.00│ 95300.00│ 52200.00│ 16700.00│ 92400.00│
│营业利润 │ 10197700.00│ 42411100.00│ 31851000.00│ 19890600.00│ 9949700.00│ 42088500.00│
│营业外收入 │ 21800.00│ 136700.00│ 79900.00│ 55100.00│ 23200.00│ 187200.00│
│营业外支出 │ 24200.00│ 104300.00│ 64600.00│ 44900.00│ 11900.00│ 93000.00│
│利润总额 │ 10195300.00│ 42443500.00│ 31866300.00│ 19900800.00│ 9961000.00│ 42182700.00│
│所得税 │ 1394000.00│ 5366900.00│ 4678100.00│ 3020500.00│ 1490100.00│ 5488100.00│
│净利润 │ 8801300.00│ 37076600.00│ 27188200.00│ 16880300.00│ 8470900.00│ 36694600.00│
│归属母公司净利润 │ 8694100.00│ 36856200.00│ 26990800.00│ 16810300.00│ 8415600.00│ 36586300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │328514800.00│578002200.00│437872100.00│563877000.00│512455400.00│336121400.00│
│经营活动现金流出 │186887200.00│388949200.00│379952700.00│422176800.00│371989700.00│300033200.00│
│经营活动现金流量净额│141627600.00│189053000.00│ 57919400.00│141700200.00│140465700.00│ 36088200.00│
│投资活动现金流入 │147749500.00│566433200.00│507911500.00│382454500.00│353138800.00│271891900.00│
│投资活动现金流出 │225397900.00│808191400.00│655058300.00│471639700.00│444200900.00│339347500.00│
│投资活动现金流量净额│-77648400.00│-241758200.0│-147146800.0│-89185200.00│-91062100.00│-67455600.00│
│ │ │ 0│ 0│ │ │ │
│筹资活动现金流入 │ 18464400.00│259538000.00│214346000.00│142230800.00│ 95586200.00│ 97523400.00│
│筹资活动现金流出 │ 56392300.00│256037500.00│172777700.00│113686400.00│102065100.00│ 98678700.00│
│筹资活动现金流量净额│-37927900.00│ 3500500.00│ 41568300.00│ 28544400.00│ -6478900.00│ -1155300.00│
│汇率变动对现金的影响│ -1277900.00│ -2934700.00│ 1126300.00│ 1828700.00│ 6084700.00│ -2913800.00│
│现金及等价物净增加额│ 24773400.00│-52139400.00│-46532800.00│ 82888100.00│ 49009400.00│-35436500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │328514800.00│578002200.00│499570900.00│386551500.00│303925200.00│437872100.00│
│经营活动现金流出 │186887200.00│388949200.00│344650200.00│307919800.00│209677300.00│379952700.00│
│经营活动现金流量净额│141627600.00│189053000.00│154920700.00│ 78631700.00│ 94247900.00│ 57919400.00│
│投资活动现金流入 │147749500.00│566433200.00│437049800.00│305993200.00│138960300.00│507911500.00│
│投资活动现金流出 │225397900.00│808191400.00│634880500.00│423760400.00│218713700.00│655058300.00│
│投资活动现金流量净额│-77648400.00│-241758200.0│-197830700.0│-117767200.0│-79753400.00│-147146800.0│
│ │ │ 0│ 0│ 0│ │ 0│
│筹资活动现金流入 │ 18464400.00│259538000.00│229272500.00│180916500.00│ 95417300.00│214346000.00│
│筹资活动现金流出 │ 56392300.00│256037500.00│210263100.00│127283700.00│ 56809100.00│172777700.00│
│筹资活动现金流量净额│-37927900.00│ 3500500.00│ 19009400.00│ 53632800.00│ 38608200.00│ 41568300.00│
│汇率变动对现金的影响│ -1277900.00│ -2934700.00│ -708800.00│ -346700.00│ 89400.00│ 1126300.00│
│现金及等价物净增加额│ 24773400.00│-52139400.00│-24609400.00│ 14150600.00│ 53192100.00│-46532800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 21277400.00│ 25.38│ 8415600.00│ 22.83│
│二季报 │ 21431800.00│ 25.57│ 8394700.00│ 22.78│
│三季报 │ 21293600.00│ 25.40│ 10180500.00│ 27.62│
│四季报 │ 19824200.00│ 23.65│ 9865400.00│ 26.77│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 21984300.00│ 26.75│ 8765300.00│ 23.96│
│二季报 │ 20065600.00│ 24.42│ 8281400.00│ 22.64│
│三季报 │ 20592300.00│ 25.06│ 9855800.00│ 26.94│
│四季报 │ 19538100.00│ 23.77│ 9683800.00│ 26.47│
└──────┴───────┴───────┴───────┴───────┘
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