财务分析☆ ◇601658 邮储银行 更新日期：2026-09-26◇ 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 │ 2026-06-30│ 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) │ 5150300.00│ 8740400.00│ 8647900.00│ 8627000.00│ 8522400.00│ 7617000.00│
│归母净利(调整后:万) │ ---│ ---│ 8647900.00│ 8627000.00│ 8522400.00│ 7617000.00│
│净利润增长率(%) │ 4.62│ 1.07│ 0.24│ 1.23│ 11.89│ 18.65│
│扣非净利润(万) │ 4937000.00│ 8797100.00│ 8557600.00│ 8616300.00│ 8494000.00│ 7552800.00│
│营业总收(未调整:万) │ 19248200.00│ 35572800.00│ 34877500.00│ 34250700.00│ 33495600.00│ 31876200.00│
│营业总收(调整后:万) │ ---│ ---│ 34877500.00│ 34250700.00│ 33495600.00│ 31876200.00│
│总营收同比增长率(%) │ 7.26│ 1.99│ 1.83│ 2.25│ 5.08│ 11.38│
│加权净资产收益率(%) │ 4.80│ 8.67│ 9.84│ 10.85│ 11.89│ 11.86│
│资产负债比率(%) │ 93.95│ 93.78│ 93.96│ 93.92│ 94.13│ 93.68│
│净利润现金含量(%) │ 684.45│ 471.44│ 459.39│ 305.25│ 557.25│ 143.83│
│基本每股收益(元) │ 0.4000│ 0.7300│ 0.8100│ 0.8300│ 0.8500│ 0.7800│
│每股收益-扣除(元) │ 0.3800│ 0.7300│ 0.8000│ 0.8300│ 0.8500│ 0.7700│
│每股收益-摊薄(元) │ 0.4289│ 0.7278│ 0.8721│ 0.8700│ 0.9225│ 0.8245│
│每股资本公积金(元) │ 2.2623│ 2.2624│ 1.6406│ 1.6406│ 1.3474│ 1.3583│
│每股未分配利润(元) │ 2.6770│ 2.3760│ 2.6557│ 2.5141│ 2.4376│ 2.1523│
│每股净资产(元) │ 8.7100│ 8.4100│ 8.3700│ 7.9200│ 7.4100│ 6.8900│
│每股经营现金流量(元)│ 2.9353│ 3.4311│ 4.0064│ 2.6556│ 5.1407│ 1.1859│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 未经审计│ 无保留意见│ 未经审计│ 未经审计│ 未经审计│
│归母净利(未调整:万) │ 5150300.00│ 2572600.00│ 8740400.00│ 7656200.00│ 4922800.00│ 2524600.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 4922800.00│ 2524600.00│
│净利润增长率(%) │ 4.62│ 1.90│ 1.07│ 0.98│ 0.85│ -2.62│
│扣非净利润(万) │ 4937000.00│ 2568000.00│ 8797100.00│ 7677200.00│ 4933300.00│ 2531700.00│
│营业总收(未调整:万) │ 19248200.00│ 9616200.00│ 35572800.00│ 26508000.00│ 17944600.00│ 8936300.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 17944600.00│ 8936300.00│
│总营收同比增长率(%) │ 7.26│ 7.61│ 1.99│ 1.82│ 1.50│ -0.07│
│加权净资产收益率(%) │ 4.80│ 2.43│ 8.67│ 8.00│ 5.46│ 2.83│
│资产负债比率(%) │ 93.95│ 94.08│ 93.78│ 93.73│ 93.73│ 94.37│
│净利润现金含量(%) │ 684.45│ 1196.63│ 471.44│ 457.11│ 373.16│ 299.83│
│基本每股收益(元) │ 0.4000│ 0.2000│ 0.7300│ 0.6600│ 0.4300│ 0.2400│
│每股收益-扣除(元) │ 0.3800│ 0.2138│ 0.7300│ 0.6393│ 0.4300│ 0.2553│
│每股收益-摊薄(元) │ 0.4289│ 0.2142│ 0.7278│ 0.6375│ 0.4099│ 0.2546│
│每股资本公积金(元) │ 2.2623│ 2.2624│ 2.2624│ 2.2624│ 2.2624│ 1.6405│
│每股未分配利润(元) │ 2.6770│ 2.5582│ 2.3760│ 2.6838│ 2.4567│ 2.8479│
│每股净资产(元) │ 8.7100│ 8.6000│ 8.4100│ 8.4400│ 8.2300│ 8.5100│
│每股经营现金流量(元)│ 2.9353│ 2.5634│ 3.4311│ 2.9142│ 1.5296│ 0.7634│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【2.偿债能力指标】
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-06-30│ 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(%) │ 93.95│ 93.78│ 93.96│ 93.92│ 94.13│ 93.68│
│产权比率 │ 15.56│ 15.10│ 15.59│ 15.47│ 16.07│ 14.85│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 93.95│ 94.08│ 93.78│ 93.73│ 93.73│ 94.37│
│产权比率 │ 15.56│ 15.93│ 15.10│ 14.99│ 14.97│ 16.79│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
【3.营运能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-06-30│ 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 │ 4.07│ 7.56│ 7.73│ 8.12│ 8.41│ 6.17│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.02│ 0.03│ 0.03│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│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 │ 4.07│ 2.02│ 7.56│ 5.71│ 3.83│ 1.95│
│总资产周转率 │ 0.01│ 0.01│ 0.02│ 0.01│ 0.01│ 0.01│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 4.31│ 7.53│ 8.40│ 9.03│ 10.34│ 9.59│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 28.44│ 27.80│ 26.84│ 26.72│ 27.22│ 25.54│
│销售净利率 │ 26.84│ 24.63│ 24.86│ 25.23│ 25.48│ 24.01│
│总资产净利率 │ 0.27│ 0.49│ 0.53│ 0.58│ 0.64│ 0.64│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 4.31│ 2.23│ 7.53│ 6.58│ 4.32│ 2.54│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 28.44│ 28.76│ 27.80│ 32.97│ 32.38│ 30.58│
│销售净利率 │ 26.84│ 26.88│ 24.63│ 28.97│ 27.54│ 28.38│
│总资产净利率 │ 0.27│ 0.14│ 0.49│ 0.43│ 0.28│ 0.15│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【5.成长能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 7.26│ 1.99│ 1.83│ 2.25│ 5.08│ 11.38│
│营业利润增长率 │ -5.81│ 5.64│ 2.28│ 0.36│ 12.01│ 20.14│
│净利润增长率 │ 4.62│ 1.07│ 0.24│ 1.23│ 11.89│ 18.65│
│净资产增长率 │ 3.12│ 12.67│ 7.83│ 15.85│ 3.79│ 18.20│
│总资产增长率 │ 6.07│ 9.35│ 8.64│ 11.80│ 11.75│ 10.87│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 7.26│ 7.61│ 1.99│ 1.82│ 1.50│ -0.07│
│营业利润增长率 │ -5.81│ 1.20│ 5.64│ 5.21│ 8.89│ -4.87│
│净利润增长率 │ 4.62│ 1.90│ 1.07│ 0.98│ 0.85│ -2.62│
│净资产增长率 │ 3.12│ -0.67│ 12.67│ 13.01│ 10.58│ -3.44│
│总资产增长率 │ 6.07│ 4.44│ 9.35│ 8.90│ 6.47│ 3.54│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【6.银行专项指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 14687.16亿│ 13842.71亿│ 12441.11亿│ 11654.04亿│ 10039.87亿│ 9459.92亿│
│核心一级资本净额(元)│ 10387.04亿│ 10034.78亿│ 8241.91亿│ 7801.06亿│ 6798.87亿│ 6350.24亿│
│风险加权资产(元) │ 103468.60亿│ 95339.14亿│ 86177.43亿│ 81870.64亿│ 72661.34亿│ 64003.38亿│
│存款总额(元) │ 174386.87亿│ 165417.16亿│ 152875.41亿│ 139559.63亿│ 127144.85亿│ 113540.73亿│
│贷款总额(元) │ 102669.49亿│ 96483.16亿│ 89132.02亿│ 81488.93亿│ 72104.33亿│ 64540.99亿│
│不良贷款(元) │ 1029.53亿│ 915.24亿│ 803.19亿│ 674.60亿│ 607.36亿│ 526.85亿│
│存贷比例% │ 58.87│ 58.33│ 58.30│ 58.39│ 56.71│ 56.84│
│资本充足率% │ 14.19│ 14.52│ 14.44│ 14.23│ 13.82│ 14.78│
│核心一级资本充足率% │ 10.04│ 10.53│ 9.56│ 9.53│ 9.36│ 9.92│
│不良贷款率% │ 1.00│ 0.95│ 0.90│ 0.83│ 0.84│ 0.82│
│不良贷款拨备覆盖率% │ 214.93│ 227.94│ 286.15│ 347.57│ 385.51│ 418.61│
│净利差% │ 1.62│ 1.65│ 1.85│ 1.99│ 2.18│ 2.30│
│净息差% │ 1.63│ 1.66│ 1.87│ 2.01│ 2.20│ 2.36│
│成本收入比% │ 52.02│ 62.10│ 64.23│ 64.82│ 61.41│ 59.01│
│非利息收入占营业收入│ ---│ ---│ ---│ ---│ ---│ 15.49│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.63│ 2.84│ 3.32│ 3.56│ 3.81│ 3.95│
│计息负债平均成本率% │ 1.01│ 1.19│ 1.47│ 1.57│ 1.63│ 1.65│
│单一最大客户贷款比例│ 1.92│ 2.03│ 7.98│ 13.34│ 16.50│ 18.72│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 11.12│ 11.32│ 17.55│ 23.14│ 27.14│ 28.67│
│% │ │ │ │ │ │ │
│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 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 14687.16亿│ 13828.06亿│ 13842.71亿│ 13892.10亿│ 13624.87亿│ 12147.05亿│
│核心一级资本净额(元)│ 10387.04亿│ 10255.13亿│ 10034.78亿│ 10087.54亿│ 9837.53亿│ 8391.19亿│
│风险加权资产(元) │ 103468.60亿│ 100707.26亿│ 95339.14亿│ 94747.68亿│ 93495.29亿│ 91065.51亿│
│存款总额(元) │ 174386.87亿│ 172919.60亿│ 165417.16亿│ 162164.44亿│ 161088.09亿│ 159765.34亿│
│贷款总额(元) │ 102669.49亿│ 101311.53亿│ 96483.16亿│ 96558.91亿│ 95361.84亿│ 93561.88亿│
│不良贷款(元) │ 1029.53亿│ 1005.93亿│ 915.24亿│ 910.09亿│ 873.51亿│ 852.94亿│
│存贷比例% │ 58.87│ 58.59│ 58.33│ 59.54│ 59.20│ 58.56│
│资本充足率% │ 14.19│ 13.73│ 14.52│ 14.66│ 14.57│ 13.34│
│核心一级资本充足率% │ 10.04│ 10.18│ 10.53│ 10.65│ 10.52│ 9.21│
│不良贷款率% │ 1.00│ 0.99│ 0.95│ 0.94│ 0.92│ 0.91│
│不良贷款拨备覆盖率% │ 214.93│ 216.65│ 227.94│ 240.21│ 260.35│ 266.13│
│净利差% │ 1.62│ 1.64│ 1.65│ 1.68│ 1.69│ 1.70│
│净息差% │ 1.63│ 1.65│ 1.66│ 1.68│ 1.70│ 1.71│
│成本收入比% │ 52.02│ 51.96│ 62.10│ 57.40│ 54.70│ ---│
│非利息收入占营业收入│ ---│ ---│ ---│ ---│ ---│ ---│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.63│ ---│ 2.84│ ---│ 2.95│ ---│
│计息负债平均成本率% │ 1.01│ ---│ 1.19│ ---│ 1.26│ ---│
│单一最大客户贷款比例│ 1.92│ ---│ 2.03│ ---│ 3.66│ ---│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 11.12│ ---│ 11.32│ ---│ 12.89│ ---│
│% │ │ │ │ │ │ │
│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 │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 99689.98亿│ 93874.69亿│ 87269.99亿│ 80057.61亿│ 70895.73亿│ 63516.58亿│
│关注类(元) │ 1772.71亿│ 1516.48亿│ 843.28亿│ 549.52亿│ 400.67亿│ 304.10亿│
│次级类(元) │ 198.86亿│ 180.56亿│ 179.38亿│ 220.19亿│ 204.15亿│ 152.42亿│
│可疑类(元) │ 307.51亿│ 269.58亿│ 233.68亿│ 164.20亿│ 157.39亿│ 119.54亿│
│损失类(元) │ 523.16亿│ 465.10亿│ 390.13亿│ 290.21亿│ 245.82亿│ 254.89亿│
│贷款合计(元) │ 102492.22亿│ 96306.41亿│ 88916.46亿│ 81281.73亿│ 71903.76亿│ 64347.53亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.69│ 1.31│ 1.10│ 0.95│ 0.89│ 0.90│
│关注类贷款迁徙率% │ 19.36│ 33.26│ 23.69│ 32.73│ 29.22│ 27.09│
│次级类贷款迁徙率% │ 80.29│ 77.61│ 70.42│ 50.99│ 44.76│ 50.76│
│可疑类贷款迁徙率% │ 73.79│ 66.70│ 70.79│ 72.59│ 53.41│ 59.16│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 99689.98亿│ 93874.69亿│ ---│ 93153.04亿│ ---│ 87269.99亿│
│关注类(元) │ 1772.71亿│ 1516.48亿│ 1334.12亿│ 1149.49亿│ 1002.04亿│ 843.28亿│
│次级类(元) │ 198.86亿│ 180.56亿│ ---│ 177.92亿│ ---│ 179.38亿│
│可疑类(元) │ 307.51亿│ 269.58亿│ ---│ 284.84亿│ ---│ 233.68亿│
│损失类(元) │ 523.16亿│ 465.10亿│ ---│ 410.75亿│ ---│ 390.13亿│
│贷款合计(元) │ 102492.22亿│ 96306.41亿│ 96558.91亿│ 95176.04亿│ 93561.88亿│ 88916.46亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 0.69│ 1.31│ ---│ 0.75│ ---│ 1.10│
│关注类贷款迁徙率% │ 19.36│ 33.26│ ---│ 26.30│ ---│ 23.69│
│次级类贷款迁徙率% │ 80.29│ 77.61│ ---│ 76.64│ ---│ 70.42│
│可疑类贷款迁徙率% │ 73.79│ 66.70│ ---│ 65.56│ ---│ 70.79│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【8.指标变动说明】
截止日期:2026-06-30
┌──────┬────────┬──────┬────────┬──────┐
│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 │--- │ 14714700.00│ 13905800.00│ 5.82│
│手续费及佣金│--- │ 1898200.00│ 1691800.00│ 12.20│
│净收入 │ │ │ │ │
│其他非利息净│--- │ 2635300.00│ 2347000.00│ 12.28│
│收入 │ │ │ │ │
│营业收入 │--- │ 19248200.00│ 17944600.00│ 7.26│
│营业支出 │--- │ 13774500.00│ 12133300.00│ 13.53│
│税金及附加 │--- │ 152800.00│ 143800.00│ 6.26│
│业务及管理费│--- │ 10012000.00│ 9815800.00│ 2.00│
│信用减值损失│--- │ 3602900.00│ 2171500.00│ 65.92│
│其他资产减值│--- │ 400.00│ 400.00│ 0.00│
│损失 │ │ │ │ │
│其他业务成本│--- │ 6400.00│ 1800.00│ 255.56│
│营业利润 │--- │ 5473700.00│ 5811300.00│ -5.81│
│营业外收支净│--- │ 274600.00│ -11500.00│ 2487.83│
│额 │ │ │ │ │
│利润总额 │--- │ 5748300.00│ 5799800.00│ -0.89│
│所得税费用 │受减免税收入增加│ 581200.00│ 858300.00│ -32.28│
│ │等因素影响 │ │ │ │
│净利润 │--- │ 5167100.00│ 4941500.00│ 4.57│
│归属于银行股│--- │ 5150300.00│ 4922800.00│ 4.62│
│东的净利润 │ │ │ │ │
│少数股东损益│--- │ 16800.00│ 18700.00│ -10.16│
│客户存款 │--- │1743868700.0│ 1654171600.00│ 5.42│
│ │ │ 0│ │ │
│同业及其他金│--- │ 31382800.00│ 18927100.00│ 65.81│
│融机构存放款│ │ │ │ │
│项 │ │ │ │ │
│拆入资金 │--- │ 6296300.00│ 5613500.00│ 12.16│
│卖出回购金融│--- │ 29173100.00│ 25540000.00│ 14.23│
│资产款 │ │ │ │ │
│应付债券 │--- │ 27617900.00│ 25128400.00│ 9.91│
│向中央银行借│--- │ 2833200.00│ 2718400.00│ 4.22│
│款 │ │ │ │ │
│其他负债 │--- │ 20555200.00│ 19873200.00│ 3.43│
│负债总额 │--- │1861727200.0│ 1751972200.00│ 6.26│
│ │ │ 0│ │ │
│客户贷款总额│--- │1026694900.0│ 964831600.00│ 6.41│
│ │ │ 0│ │ │
│贷款减值准备│--- │ 22030800.00│ 20744200.00│ 6.20│
│客户贷款净额│--- │1004664100.0│ 944087400.00│ 6.42│
│ │ │ 0│ │ │
│金融投资 │--- │715700700.00│ 635815300.00│ 12.56│
│现金及存放中│--- │140188800.00│ 131917100.00│ 6.27│
│央银行款项 │ │ │ │ │
│存放同业款项│--- │ 34702300.00│ 39140800.00│ -11.34│
│拆出资金 │--- │ 34123600.00│ 41382700.00│ -17.54│
│买入返售金融│--- │ 26343200.00│ 51089000.00│ -48.44│
│资产 │ │ │ │ │
│其他资产 │--- │ 25875100.00│ 24774400.00│ 4.44│
│资产总额 │--- │1981597800.0│ 1868206700.00│ 6.07│
│ │ │ 0│ │ │
│股本 │--- │ 12009500.00│ 12009500.00│ 0.00│
│其他权益工具│--- │ 15000000.00│ 14999600.00│ 0.00│
│－永续债 │ │ │ │ │
│资本公积 │--- │ 27169300.00│ 27169700.00│ 0.00│
│其他综合收益│--- │ 532000.00│ 540500.00│ -1.57│
│盈余公积 │--- │ 8415700.00│ 8415700.00│ 0.00│
│一般风险准备│--- │ 24357500.00│ 24345400.00│ 0.05│
│未分配利润 │--- │ 32149900.00│ 28534200.00│ 12.67│
│归属于银行股│--- │119633900.00│ 116014600.00│ 3.12│
│东的权益 │ │ │ │ │
│少数股东权益│--- │ 236700.00│ 219900.00│ 7.64│
│股东权益总额│--- │119870600.00│ 116234500.00│ 3.13│
│经营活动产生│本期客户存款、同│ 35251400.00│ 18369900.00│ 91.90│
│的现金流量净│业存款等业务收到│ │ │ │
│额 │的现金较上年同期│ │ │ │
│ │增加 │ │ │ │
│投资活动产生│本期投资债券支付│-59965800.00│ -3881300.00│ -1444.99│
│的现金流量净│的现金较上年同期│ │ │ │
│额 │增加 │ │ │ │
│筹资活动产生│上年同期向特定对│ 163100.00│ 6696800.00│ -97.56│
│的现金流量净│象发行A股股票， │ │ │ │
│额 │募集资金到账形成│ │ │ │
│ │较高基数 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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│本期客户存款、同│ 30784600.00│ 7569500.00│ 306.69│
│的现金流量净│业存放等业务收到│ │ │ │
│额 │现金较上年同期增│ │ │ │
│ │加 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【9.资产负债表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-06-30│ 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│140188800.00│131917100.00│131470300.00│133750100.00│126395100.00│118945800.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 34702300.00│ 39140800.00│ 26247600.00│ 18921600.00│ 16142200.00│ 9078200.00│
│发放贷款及垫款 │1004664100.0│944087400.00│868414400.00│791524500.00│697771000.00│623719900.00│
│ │ 0│ │ │ │ │ │
│拆出资金 │ 34123600.00│ 41382700.00│ 34801700.00│ 29774200.00│ 30331000.00│ 28009300.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │548270800.00│468844300.00│430651300.00│398821000.00│366959800.00│328000300.00│
│其他债权投资 │ 57641000.00│ 70444000.00│ 66881200.00│ 50353600.00│ 41617200.00│ 30613200.00│
│其他权益工具投资 │ 679500.00│ 561600.00│ 463700.00│ 732600.00│ 934600.00│ 1188800.00│
│长期股权投资 │ 78200.00│ 76400.00│ 73300.00│ 67300.00│ 65300.00│ ---│
│固定资产 │ 4662800.00│ 4802300.00│ 4608700.00│ 4413900.00│ 4018400.00│ 5466900.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │1981597800.0│1868206700.0│1708491000.0│1572663100.0│1406728200.0│1258787300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 2833200.00│ 2718400.00│ 2613800.00│ 3383500.00│ 2481500.00│ 1731600.00│
│同业及其他金融机构存│ 31382800.00│ 18927100.00│ 13559900.00│ 9530300.00│ 7877000.00│ 15480900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 6296300.00│ 5613500.00│ 4729900.00│ 6021200.00│ 4269900.00│ 4256500.00│
│吸收存款 │1743868700.0│1654171600.0│1528754100.0│1395596300.0│1271448500.0│1135407300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │ 29173100.00│ 25540000.00│ 19452400.00│ 27336400.00│ 18364600.00│ 3464300.00│
│负债合计 │1861727200.0│1751972200.0│1605326100.0│1477001500.0│1324146800.0│1179232400.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 12009500.00│ 12009500.00│ 9916100.00│ 9916100.00│ 9238400.00│ 9238400.00│
│资本公积 │ 27169300.00│ 27169700.00│ 16268100.00│ 16268200.00│ 12447900.00│ 12548600.00│
│盈余公积 │ 8415700.00│ 8415700.00│ 7554000.00│ 6701000.00│ 5847800.00│ 5010500.00│
│未分配利润 │ 32149900.00│ 28534200.00│ 26334300.00│ 24930400.00│ 22519600.00│ 19884000.00│
│归属于母公司所有者权│119633900.00│116014600.00│102966900.00│ 95487300.00│ 82422500.00│ 79409100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 236700.00│ 219900.00│ 198000.00│ 174300.00│ 158900.00│ 145800.00│
│股东权益合计 │119870600.00│116234500.00│103164900.00│ 95661600.00│ 82581400.00│ 79554900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│现金及存放中央银行款│140188800.00│135679700.00│131917100.00│125891000.00│128885700.00│134412200.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 34702300.00│ 40204800.00│ 39140800.00│ 39338300.00│ 38749200.00│ 32130200.00│
│发放贷款及垫款 │1004664100.0│991433000.00│944087400.00│943768800.00│930943700.00│913028600.00│
│ │ 0│ │ │ │ │ │
│拆出资金 │ 34123600.00│ 39406400.00│ 41382700.00│ 37964900.00│ 36800900.00│ 36174600.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │548270800.00│523072600.00│468844300.00│469742100.00│439384000.00│423043700.00│
│其他债权投资 │ 57641000.00│ 63177800.00│ 70444000.00│ 72217900.00│ 68468300.00│ 74722500.00│
│其他权益工具投资 │ 679500.00│ 565600.00│ 561600.00│ 508100.00│ 464700.00│ 466300.00│
│长期股权投资 │ 78200.00│ 76400.00│ 76400.00│ 75100.00│ 73900.00│ 73300.00│
│固定资产 │ 4662800.00│ 4709600.00│ 4802300.00│ 4680800.00│ 4763700.00│ 4536000.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │1981597800.0│1951181100.0│1868206700.0│1860565300.0│1819052100.0│1768939900.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 2833200.00│ 2302000.00│ 2718400.00│ 2692900.00│ 2696300.00│ 2751000.00│
│同业及其他金融机构存│ 31382800.00│ 27902100.00│ 18927100.00│ 20504600.00│ 23426600.00│ 13594500.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 6296300.00│ 6111900.00│ 5613500.00│ 5790100.00│ 5636700.00│ 5231100.00│
│吸收存款 │1743868700.0│1729196000.0│1654171600.0│1621644400.0│1610880900.0│1597653400.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │ 29173100.00│ 26480600.00│ 25540000.00│ 48227000.00│ 22802900.00│ 18018400.00│
│负债合计 │1861727200.0│1835707400.0│1751972200.0│1743977800.0│1704971500.0│1669300600.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 12009500.00│ 12009500.00│ 12009500.00│ 12009500.00│ 12009500.00│ 9916100.00│
│资本公积 │ 27169300.00│ 27169700.00│ 27169700.00│ 27169700.00│ 27169700.00│ 16267100.00│
│盈余公积 │ 8415700.00│ 8415700.00│ 8415700.00│ 7554000.00│ 7554000.00│ 7554000.00│
│未分配利润 │ 32149900.00│ 30723000.00│ 28534200.00│ 32231100.00│ 29503600.00│ 28240500.00│
│归属于母公司所有者权│119633900.00│115241800.00│116014600.00│116366300.00│113863900.00│ 99429700.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 236700.00│ 231900.00│ 219900.00│ 221200.00│ 216700.00│ 209600.00│
│股东权益合计 │119870600.00│115473700.00│116234500.00│116587500.00│114080600.00│ 99639300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【10.利润表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 19248200.00│ 35572800.00│ 34877500.00│ 34250700.00│ 33495600.00│ 31876200.00│
│利息净收入 │ 14714700.00│ 28162000.00│ 28612300.00│ 28180300.00│ 27359300.00│ 26938200.00│
│手续费及佣金净收入 │ 1898200.00│ 2936500.00│ 2528200.00│ 2825200.00│ 2843400.00│ 2200700.00│
│投资收益 │ 2299400.00│ 4438700.00│ 3171500.00│ 2423100.00│ 2278100.00│ 1617300.00│
│公允价值变动收益 │ 391400.00│ 54600.00│ 511200.00│ 720800.00│ 337400.00│ 1080000.00│
│汇兑收益 │ -83900.00│ -59100.00│ -37400.00│ -11400.00│ 575700.00│ -92900.00│
│营业支出 │ 13774500.00│ 25684800.00│ 25517600.00│ 25099800.00│ 24377200.00│ 23735700.00│
│营业税金及附加 │ 152800.00│ 295900.00│ 261600.00│ 270300.00│ 262000.00│ 246800.00│
│业务及管理费 │ 10012000.00│ 22089500.00│ 22403500.00│ 22201500.00│ 20570500.00│ 18810200.00│
│资产减值损失 │ 400.00│ 800.00│ 2200.00│ 400.00│ 1900.00│ 2000.00│
│营业利润 │ 5473700.00│ 9888000.00│ 9359900.00│ 9150900.00│ 9118400.00│ 8140500.00│
│营业外收入 │ 4300.00│ 13800.00│ 35800.00│ 40500.00│ 43500.00│ 34500.00│
│营业外支出 │ -270300.00│ 79700.00│ -63500.00│ 31500.00│ 25500.00│ 29600.00│
│利润总额 │ 5748300.00│ 9822100.00│ 9459200.00│ 9159900.00│ 9136400.00│ 8145400.00│
│所得税 │ 581200.00│ 1059800.00│ 787600.00│ 517500.00│ 600900.00│ 492200.00│
│净利润 │ 5167100.00│ 8762300.00│ 8671600.00│ 8642400.00│ 8535500.00│ 7653200.00│
│归属母公司净利润 │ 5150300.00│ 8740400.00│ 8647900.00│ 8627000.00│ 8522400.00│ 7617000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 19248200.00│ 9616200.00│ 35572800.00│ 26508000.00│ 17944600.00│ 8936300.00│
│利息净收入 │ 14714700.00│ 7389700.00│ 28162000.00│ 21050500.00│ 13905800.00│ 6885700.00│
│手续费及佣金净收入 │ 1898200.00│ 1204000.00│ 2936500.00│ 2309400.00│ 1691800.00│ 1030600.00│
│投资收益 │ 2299400.00│ 860200.00│ 4438700.00│ 3165100.00│ 1975000.00│ 1093700.00│
│公允价值变动收益 │ 391400.00│ 191900.00│ 54600.00│ -14400.00│ 367100.00│ -78800.00│
│汇兑收益 │ -83900.00│ -49200.00│ -59100.00│ -22200.00│ -8900.00│ -2300.00│
│营业支出 │ 13774500.00│ 6850400.00│ 25684800.00│ 17769000.00│ 12133300.00│ 6203200.00│
│营业税金及附加 │ 152800.00│ 78000.00│ 295900.00│ 220300.00│ 143800.00│ 68100.00│
│业务及管理费 │ 10012000.00│ 4996800.00│ 22089500.00│ 15216700.00│ 9815800.00│ 5062600.00│
│资产减值损失 │ 400.00│ ---│ 800.00│ 500.00│ 400.00│ 100.00│
│营业利润 │ 5473700.00│ 2765800.00│ 9888000.00│ 8739000.00│ 5811300.00│ 2733100.00│
│营业外收入 │ 4300.00│ 1400.00│ 13800.00│ 11600.00│ 7900.00│ 4300.00│
│营业外支出 │ -270300.00│ 3100.00│ 79700.00│ 34500.00│ 19400.00│ 12200.00│
│利润总额 │ 5748300.00│ 2764100.00│ 9822100.00│ 8716100.00│ 5799800.00│ 2725200.00│
│所得税 │ 581200.00│ 179500.00│ 1059800.00│ 1036700.00│ 858300.00│ 189000.00│
│净利润 │ 5167100.00│ 2584600.00│ 8762300.00│ 7679400.00│ 4941500.00│ 2536200.00│
│归属母公司净利润 │ 5150300.00│ 2572600.00│ 8740400.00│ 7656200.00│ 4922800.00│ 2524600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【11.现金流量表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-06-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │139868400.00│189266800.00│188046000.00│181856900.00│192425500.00│146395200.00│
│经营活动现金流出 │104617000.00│148060900.00│148318400.00│155523200.00│144934100.00│135439500.00│
│经营活动现金流量净额│ 35251400.00│ 41205900.00│ 39727600.00│ 26333700.00│ 47491400.00│ 10955700.00│
│投资活动现金流入 │137477900.00│195372200.00│175885200.00│176501400.00│159012600.00│129598200.00│
│投资活动现金流出 │197443700.00│212965600.00│223925100.00│200744200.00│210163300.00│147889900.00│
│投资活动现金流量净额│-59965800.00│-17593400.00│-48039900.00│-24242800.00│-51150700.00│-18291700.00│
│筹资活动现金流入 │ 9018800.00│ 42399700.00│ 27195600.00│ 56934100.00│ 7000000.00│ 12548000.00│
│筹资活动现金流出 │ 8855700.00│ 37825300.00│ 30273400.00│ 37709400.00│ 10773700.00│ 7321700.00│
│筹资活动现金流量净额│ 163100.00│ 4574400.00│ -3077800.00│ 19224700.00│ -3773700.00│ 5226300.00│
│汇率变动对现金的影响│ -26600.00│ -24300.00│ 8900.00│ 9100.00│ 54600.00│ -66500.00│
│现金及等价物净增加额│-24577900.00│ 28162600.00│-11381200.00│ 21324700.00│ -7378400.00│ -2176200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │139868400.00│104582100.00│189266800.00│168410800.00│125524300.00│ 89973000.00│
│经营活动现金流出 │104617000.00│ 73797500.00│148060900.00│133413200.00│107154400.00│ 82403500.00│
│经营活动现金流量净额│ 35251400.00│ 30784600.00│ 41205900.00│ 34997600.00│ 18369900.00│ 7569500.00│
│投资活动现金流入 │137477900.00│ 54057400.00│195372200.00│155138600.00│109379600.00│ 51106200.00│
│投资活动现金流出 │197443700.00│100508300.00│212965600.00│189383400.00│113260900.00│ 46201100.00│
│投资活动现金流量净额│-59965800.00│-46450900.00│-17593400.00│-34244800.00│ -3881300.00│ 4905100.00│
│筹资活动现金流入 │ 9018800.00│ ---│ 42399700.00│ 42614000.00│ 29028000.00│ 3000000.00│
│筹资活动现金流出 │ 8855700.00│ 6269000.00│ 37825300.00│ 31331000.00│ 22331200.00│ 14776800.00│
│筹资活动现金流量净额│ 163100.00│ -6269000.00│ 4574400.00│ 11283000.00│ 6696800.00│-11776800.00│
│汇率变动对现金的影响│ -26600.00│ -28800.00│ -24300.00│ -3700.00│ 3700.00│ 2000.00│
│现金及等价物净增加额│-24577900.00│-21964100.00│ 28162600.00│ 12032100.00│ 21189100.00│ 699800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 8936300.00│ 25.12│ 2524600.00│ 28.88│
│二季报 │ 9008300.00│ 25.32│ 2398200.00│ 27.44│
│三季报 │ 8563400.00│ 24.07│ 2733400.00│ 31.27│
│四季报 │ 9064800.00│ 25.48│ 1084200.00│ 12.40│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 8943000.00│ 25.64│ 2592600.00│ 29.98│
│二季报 │ 8735900.00│ 25.05│ 2288900.00│ 26.47│
│三季报 │ 8356000.00│ 23.96│ 2700300.00│ 31.22│
│四季报 │ 8842600.00│ 25.35│ 1066100.00│ 12.33│
└──────┴───────┴───────┴───────┴───────┘
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