财务分析☆ ◇601658 邮储银行 更新日期：2026-08-29◇ 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) │ 2572600.00│ 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(%) │ 1.90│ 1.07│ 0.24│ 1.23│ 11.89│ 18.65│
│扣非净利润(万) │ 2568000.00│ 8797100.00│ 8557600.00│ 8616300.00│ 8494000.00│ 7552800.00│
│营业总收(未调整:万) │ 9616200.00│ 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(%) │ 7.61│ 1.99│ 1.83│ 2.25│ 5.08│ 11.38│
│加权净资产收益率(%) │ 2.43│ 8.67│ 9.84│ 10.85│ 11.89│ 11.86│
│资产负债比率(%) │ 94.08│ 93.78│ 93.96│ 93.92│ 94.13│ 93.68│
│净利润现金含量(%) │ 1196.63│ 471.44│ 459.39│ 305.25│ 557.25│ 143.83│
│基本每股收益(元) │ 0.2000│ 0.7300│ 0.8100│ 0.8300│ 0.8500│ 0.7800│
│每股收益-扣除(元) │ 0.2138│ 0.7300│ 0.8000│ 0.8300│ 0.8500│ 0.7700│
│每股收益-摊薄(元) │ 0.2142│ 0.7278│ 0.8721│ 0.8700│ 0.9225│ 0.8245│
│每股资本公积金(元) │ 2.2624│ 2.2624│ 1.6406│ 1.6406│ 1.3474│ 1.3583│
│每股未分配利润(元) │ 2.5582│ 2.3760│ 2.6557│ 2.5141│ 2.4376│ 2.1523│
│每股净资产(元) │ 8.6000│ 8.4100│ 8.3700│ 7.9200│ 7.4100│ 6.8900│
│每股经营现金流量(元)│ 2.5634│ 3.4311│ 4.0064│ 2.6556│ 5.1407│ 1.1859│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 2572600.00│ 8740400.00│ 7656200.00│ 4922800.00│ 2524600.00│ 8647900.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 2524600.00│ 8647900.00│
│净利润增长率(%) │ 1.90│ 1.07│ 0.98│ 0.85│ -2.62│ 0.24│
│扣非净利润(万) │ 2568000.00│ 8797100.00│ 7677200.00│ 4933300.00│ 2531700.00│ 8557600.00│
│营业总收(未调整:万) │ 9616200.00│ 35572800.00│ 26508000.00│ 17944600.00│ 8936300.00│ 34877500.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 8936300.00│ 34877500.00│
│总营收同比增长率(%) │ 7.61│ 1.99│ 1.82│ 1.50│ -0.07│ 1.83│
│加权净资产收益率(%) │ 2.43│ 8.67│ 8.00│ 5.46│ 2.83│ 9.84│
│资产负债比率(%) │ 94.08│ 93.78│ 93.73│ 93.73│ 94.37│ 93.96│
│净利润现金含量(%) │ 1196.63│ 471.44│ 457.11│ 373.16│ 299.83│ 459.39│
│基本每股收益(元) │ 0.2000│ 0.7300│ 0.6600│ 0.4300│ 0.2400│ 0.8100│
│每股收益-扣除(元) │ 0.2138│ 0.7300│ 0.6393│ 0.4300│ 0.2553│ 0.8000│
│每股收益-摊薄(元) │ 0.2142│ 0.7278│ 0.6375│ 0.4099│ 0.2546│ 0.8721│
│每股资本公积金(元) │ 2.2624│ 2.2624│ 2.2624│ 2.2624│ 1.6405│ 1.6406│
│每股未分配利润(元) │ 2.5582│ 2.3760│ 2.6838│ 2.4567│ 2.8479│ 2.6557│
│每股净资产(元) │ 8.6000│ 8.4100│ 8.4400│ 8.2300│ 8.5100│ 8.3700│
│每股经营现金流量(元)│ 2.5634│ 3.4311│ 2.9142│ 1.5296│ 0.7634│ 4.0064│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 94.08│ 93.78│ 93.96│ 93.92│ 94.13│ 93.68│
│产权比率 │ 15.93│ 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 │2026-03-31│ 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(%) │ 94.08│ 93.78│ 93.73│ 93.73│ 94.37│ 93.96│
│产权比率 │ 15.93│ 15.10│ 14.99│ 14.97│ 16.79│ 15.59│
│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 │ 2.02│ 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 │ 2026-03-31│ 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 │ 2.02│ 7.56│ 5.71│ 3.83│ 1.95│ 7.73│
│总资产周转率 │ 0.01│ 0.02│ 0.01│ 0.01│ 0.01│ 0.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-03-31│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 2.23│ 7.53│ 8.40│ 9.03│ 10.34│ 9.59│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 28.76│ 27.80│ 26.84│ 26.72│ 27.22│ 25.54│
│销售净利率 │ 26.88│ 24.63│ 24.86│ 25.23│ 25.48│ 24.01│
│总资产净利率 │ 0.14│ 0.49│ 0.53│ 0.58│ 0.64│ 0.64│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.23│ 7.53│ 6.58│ 4.32│ 2.54│ 8.40│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 28.76│ 27.80│ 32.97│ 32.38│ 30.58│ 26.84│
│销售净利率 │ 26.88│ 24.63│ 28.97│ 27.54│ 28.38│ 24.86│
│总资产净利率 │ 0.14│ 0.49│ 0.43│ 0.28│ 0.15│ 0.53│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 7.61│ 1.99│ 1.83│ 2.25│ 5.08│ 11.38│
│营业利润增长率 │ 1.20│ 5.64│ 2.28│ 0.36│ 12.01│ 20.14│
│净利润增长率 │ 1.90│ 1.07│ 0.24│ 1.23│ 11.89│ 18.65│
│净资产增长率 │ -0.67│ 12.67│ 7.83│ 15.85│ 3.79│ 18.20│
│总资产增长率 │ 4.44│ 9.35│ 8.64│ 11.80│ 11.75│ 10.87│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 7.61│ 1.99│ 1.82│ 1.50│ -0.07│ 1.83│
│营业利润增长率 │ 1.20│ 5.64│ 5.21│ 8.89│ -4.87│ 2.28│
│净利润增长率 │ 1.90│ 1.07│ 0.98│ 0.85│ -2.62│ 0.24│
│净资产增长率 │ -0.67│ 12.67│ 13.01│ 10.58│ -3.44│ 7.83│
│总资产增长率 │ 4.44│ 9.35│ 8.90│ 6.47│ 3.54│ 8.64│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 13828.06亿│ 13842.71亿│ 12441.11亿│ 11654.04亿│ 10039.87亿│ 9459.92亿│
│核心一级资本净额(元)│ 10255.13亿│ 10034.78亿│ 8241.91亿│ 7801.06亿│ 6798.87亿│ 6350.24亿│
│风险加权资产(元) │ 100707.26亿│ 95339.14亿│ 86177.43亿│ 81870.64亿│ 72661.34亿│ 64003.38亿│
│存款总额(元) │ 172919.60亿│ 165417.16亿│ 152875.41亿│ 139559.63亿│ 127144.85亿│ 113540.73亿│
│贷款总额(元) │ 101311.53亿│ 96483.16亿│ 89132.02亿│ 81488.93亿│ 72104.33亿│ 64540.99亿│
│不良贷款(元) │ 1005.93亿│ 915.24亿│ 803.19亿│ 674.60亿│ 607.36亿│ 526.85亿│
│存贷比例% │ 58.59│ 58.33│ 58.30│ 58.39│ 56.71│ 56.84│
│资本充足率% │ 13.73│ 14.52│ 14.44│ 14.23│ 13.82│ 14.78│
│核心一级资本充足率% │ 10.18│ 10.53│ 9.56│ 9.53│ 9.36│ 9.92│
│不良贷款率% │ 0.99│ 0.95│ 0.90│ 0.83│ 0.84│ 0.82│
│不良贷款拨备覆盖率% │ 216.65│ 227.94│ 286.15│ 347.57│ 385.51│ 418.61│
│净利差% │ 1.64│ 1.65│ 1.85│ 1.99│ 2.18│ 2.30│
│净息差% │ 1.65│ 1.66│ 1.87│ 2.01│ 2.20│ 2.36│
│成本收入比% │ 51.96│ 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% │ ---│ 2.84│ 3.32│ 3.56│ 3.81│ 3.95│
│计息负债平均成本率% │ ---│ 1.19│ 1.47│ 1.57│ 1.63│ 1.65│
│单一最大客户贷款比例│ ---│ 2.03│ 7.98│ 13.34│ 16.50│ 18.72│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 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 │ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 13828.06亿│ 13842.71亿│ 13892.10亿│ 13624.87亿│ 12147.05亿│ 12441.11亿│
│核心一级资本净额(元)│ 10255.13亿│ 10034.78亿│ 10087.54亿│ 9837.53亿│ 8391.19亿│ 8241.91亿│
│风险加权资产(元) │ 100707.26亿│ 95339.14亿│ 94747.68亿│ 93495.29亿│ 91065.51亿│ 86177.43亿│
│存款总额(元) │ 172919.60亿│ 165417.16亿│ 162164.44亿│ 161088.09亿│ 159765.34亿│ 152875.41亿│
│贷款总额(元) │ 101311.53亿│ 96483.16亿│ 96558.91亿│ 95361.84亿│ 93561.88亿│ 89132.02亿│
│不良贷款(元) │ 1005.93亿│ 915.24亿│ 910.09亿│ 873.51亿│ 852.94亿│ 803.19亿│
│存贷比例% │ 58.59│ 58.33│ 59.54│ 59.20│ 58.56│ 58.30│
│资本充足率% │ 13.73│ 14.52│ 14.66│ 14.57│ 13.34│ 14.44│
│核心一级资本充足率% │ 10.18│ 10.53│ 10.65│ 10.52│ 9.21│ 9.56│
│不良贷款率% │ 0.99│ 0.95│ 0.94│ 0.92│ 0.91│ 0.90│
│不良贷款拨备覆盖率% │ 216.65│ 227.94│ 240.21│ 260.35│ 266.13│ 286.15│
│净利差% │ 1.64│ 1.65│ 1.68│ 1.69│ 1.70│ 1.85│
│净息差% │ 1.65│ 1.66│ 1.68│ 1.70│ 1.71│ 1.87│
│成本收入比% │ 51.96│ 62.10│ 57.40│ 54.70│ ---│ 64.23│
│非利息收入占营业收入│ ---│ ---│ ---│ ---│ ---│ ---│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.84│ ---│ 2.95│ ---│ 3.32│
│计息负债平均成本率% │ ---│ 1.19│ ---│ 1.26│ ---│ 1.47│
│单一最大客户贷款比例│ ---│ 2.03│ ---│ 3.66│ ---│ 7.98│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 11.32│ ---│ 12.89│ ---│ 17.55│
│% │ │ │ │ │ │ │
│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) │ 93874.69亿│ 87269.99亿│ 80057.61亿│ 70895.73亿│ 63516.58亿│ 56167.82亿│
│关注类(元) │ 1516.48亿│ 843.28亿│ 549.52亿│ 400.67亿│ 304.10亿│ 305.66亿│
│次级类(元) │ 180.56亿│ 179.38亿│ 220.19亿│ 204.15亿│ 152.42亿│ 141.06亿│
│可疑类(元) │ 269.58亿│ 233.68亿│ 164.20亿│ 157.39亿│ 119.54亿│ 138.04亿│
│损失类(元) │ 465.10亿│ 390.13亿│ 290.21亿│ 245.82亿│ 254.89亿│ 224.57亿│
│贷款合计(元) │ 96306.41亿│ 88916.46亿│ 81281.73亿│ 71903.76亿│ 64347.53亿│ 56977.15亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.31│ 1.10│ 0.95│ 0.89│ 0.90│ 1.02│
│关注类贷款迁徙率% │ 33.26│ 23.69│ 32.73│ 29.22│ 27.09│ 48.94│
│次级类贷款迁徙率% │ 77.61│ 70.42│ 50.99│ 44.76│ 50.76│ 52.81│
│可疑类贷款迁徙率% │ 66.70│ 70.79│ 72.59│ 53.41│ 59.16│ 86.23│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│ 2024-09-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 93874.69亿│ ---│ 93153.04亿│ ---│ 87269.99亿│ ---│
│关注类(元) │ 1516.48亿│ 1334.12亿│ 1149.49亿│ 1002.04亿│ 843.28亿│ 793.56亿│
│次级类(元) │ 180.56亿│ ---│ 177.92亿│ ---│ 179.38亿│ ---│
│可疑类(元) │ 269.58亿│ ---│ 284.84亿│ ---│ 233.68亿│ ---│
│损失类(元) │ 465.10亿│ ---│ 410.75亿│ ---│ 390.13亿│ ---│
│贷款合计(元) │ 96306.41亿│ 96558.91亿│ 95176.04亿│ 93561.88亿│ 88916.46亿│ 87793.73亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.31│ ---│ 0.75│ ---│ 1.10│ ---│
│关注类贷款迁徙率% │ 33.26│ ---│ 26.30│ ---│ 23.69│ ---│
│次级类贷款迁徙率% │ 77.61│ ---│ 76.64│ ---│ 70.42│ ---│
│可疑类贷款迁徙率% │ 66.70│ ---│ 65.56│ ---│ 70.79│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│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 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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 │--- │ 28162000.00│ 28612300.00│ -1.57│
│手续费及佣金│--- │ 2936500.00│ 2528200.00│ 16.15│
│净收入 │ │ │ │ │
│其他非利息净│--- │ 4474300.00│ 3737000.00│ 19.73│
│收入 │ │ │ │ │
│营业收入 │--- │ 35572800.00│ 34877500.00│ 1.99│
│营业支出 │--- │ 25684800.00│ 25517600.00│ 0.66│
│税金及附加 │--- │ 295900.00│ 261600.00│ 13.11│
│业务及管理费│--- │ 22089500.00│ 22403500.00│ -1.40│
│信用减值损失│--- │ 3292200.00│ 2842300.00│ 15.83│
│其他资产减值│--- │ 800.00│ 2200.00│ -63.64│
│损失 │ │ │ │ │
│其他业务成本│--- │ 6400.00│ 8000.00│ -20.00│
│营业利润 │--- │ 9888000.00│ 9359900.00│ 5.64│
│营业外收支净│--- │ -65900.00│ 99300.00│ -166.36│
│额 │ │ │ │ │
│利润总额 │--- │ 9822100.00│ 9459200.00│ 3.84│
│所得税费用 │利润总额增长，以│ 1059800.00│ 787600.00│ 34.56│
│ │及不得扣除的成本│ │ │ │
│ │、费用增加影响 │ │ │ │
│净利润 │--- │ 8762300.00│ 8671600.00│ 1.05│
│归属于银行股│--- │ 8740400.00│ 8647900.00│ 1.07│
│东的净利润 │ │ │ │ │
│少数股东损益│--- │ 21900.00│ 23700.00│ -7.59│
│客户存款 │本行优化负债业务│1654171600.0│ 1528754100.00│ 8.20│
│ │结构，择机增加同│ 0│ │ │
│ │业负债规模 │ │ │ │
│同业及其他金│本行优化负债业务│ 18927100.00│ 13559900.00│ 39.58│
│融机构存放款│结构，择机增加同│ │ │ │
│项 │业负债规模 │ │ │ │
│拆入资金 │本行优化负债业务│ 5613500.00│ 4729900.00│ 18.68│
│ │结构，择机增加同│ │ │ │
│ │业负债规模 │ │ │ │
│卖出回购金融│本行优化负债业务│ 25540000.00│ 19452400.00│ 31.29│
│资产款 │结构，择机增加同│ │ │ │
│ │业负债规模 │ │ │ │
│应付债券 │--- │ 25128400.00│ 24198000.00│ 3.84│
│向中央银行借│--- │ 2718400.00│ 2613800.00│ 4.00│
│款 │ │ │ │ │
│其他负债 │--- │ 19873200.00│ 12018000.00│ 65.36│
│负债总额 │--- │1751972200.0│ 1605326100.00│ 9.13│
│ │ │ 0│ │ │
│股本 │--- │ 12009500.00│ 9916100.00│ 21.11│
│其他权益工具│--- │ 14999600.00│ 19998600.00│ -25.00│
│－永续债 │ │ │ │ │
│资本公积 │--- │ 27169700.00│ 16268100.00│ 67.01│
│其他综合收益│--- │ 540500.00│ 907100.00│ -40.41│
│盈余公积 │--- │ 8415700.00│ 7554000.00│ 11.41│
│一般风险准备│--- │ 24345400.00│ 21988700.00│ 10.72│
│未分配利润 │--- │ 28534200.00│ 26334300.00│ 8.35│
│归属于银行股│报告期内本行向财│116014600.00│ 102966900.00│ 12.67│
│东的权益 │政部、中国移动通│ │ │ │
│ │信集团有限公司及│ │ │ │
│ │中国船舶集团有限│ │ │ │
│ │公司发行A股股票 │ │ │ │
│ │带动 │ │ │ │
│少数股东权益│--- │ 219900.00│ 198000.00│ 11.06│
│股东权益总额│--- │116234500.00│ 103164900.00│ 12.67│
│经营活动产生│卖出回购债券等业│ 41205900.00│ 39727600.00│ 3.72│
│的现金流量净│务收到的现金较上│ │ │ │
│额 │年增加 │ │ │ │
│投资活动产生│投资债券支付的现│-17593400.00│ -48039900.00│ 63.38│
│的现金流量净│金较上年下降 │ │ │ │
│额 │ │ │ │ │
│筹资活动产生│向特定对象发行A │ 4574400.00│ -3077800.00│ 248.63│
│的现金流量净│股股票收到的现金│ │ │ │
│额 │增加 │ │ │ │
│客户贷款总额│--- │964831600.00│ 891320200.00│ 8.25│
│贷款减值准备│--- │ 20744200.00│ 22905800.00│ -9.44│
│客户贷款净额│--- │944087400.00│ 868414400.00│ 8.71│
│金融投资 │--- │635815300.00│ 600412700.00│ 5.90│
│现金及存放中│--- │131917100.00│ 131470300.00│ 0.34│
│央银行款项 │ │ │ │ │
│存放同业款项│--- │ 39140800.00│ 26247600.00│ 49.12│
│拆出资金 │--- │ 41382700.00│ 34801700.00│ 18.91│
│买入返售金融│--- │ 51089000.00│ 22984200.00│ 122.28│
│资产 │ │ │ │ │
│其他资产 │--- │ 24774400.00│ 24160100.00│ 2.54│
│资产总额 │--- │1868206700.0│ 1708491000.00│ 9.35│
│ │ │ 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│135679700.00│131917100.00│131470300.00│133750100.00│126395100.00│118945800.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 40204800.00│ 39140800.00│ 26247600.00│ 18921600.00│ 16142200.00│ 9078200.00│
│发放贷款及垫款 │991433000.00│944087400.00│868414400.00│791524500.00│697771000.00│623719900.00│
│拆出资金 │ 39406400.00│ 41382700.00│ 34801700.00│ 29774200.00│ 30331000.00│ 28009300.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │523072600.00│468844300.00│430651300.00│398821000.00│366959800.00│328000300.00│
│其他债权投资 │ 63177800.00│ 70444000.00│ 66881200.00│ 50353600.00│ 41617200.00│ 30613200.00│
│其他权益工具投资 │ 565600.00│ 561600.00│ 463700.00│ 732600.00│ 934600.00│ 1188800.00│
│长期股权投资 │ 76400.00│ 76400.00│ 73300.00│ 67300.00│ 65300.00│ ---│
│固定资产 │ 4709600.00│ 4802300.00│ 4608700.00│ 4413900.00│ 4018400.00│ 5466900.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │1951181100.0│1868206700.0│1708491000.0│1572663100.0│1406728200.0│1258787300.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 2302000.00│ 2718400.00│ 2613800.00│ 3383500.00│ 2481500.00│ 1731600.00│
│同业及其他金融机构存│ 27902100.00│ 18927100.00│ 13559900.00│ 9530300.00│ 7877000.00│ 15480900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 6111900.00│ 5613500.00│ 4729900.00│ 6021200.00│ 4269900.00│ 4256500.00│
│吸收存款 │1729196000.0│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 │ 26480600.00│ 25540000.00│ 19452400.00│ 27336400.00│ 18364600.00│ 3464300.00│
│负债合计 │1835707400.0│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 │ 27169700.00│ 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 │ 30723000.00│ 28534200.00│ 26334300.00│ 24930400.00│ 22519600.00│ 19884000.00│
│归属于母公司所有者权│115241800.00│116014600.00│102966900.00│ 95487300.00│ 82422500.00│ 79409100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 231900.00│ 219900.00│ 198000.00│ 174300.00│ 158900.00│ 145800.00│
│股东权益合计 │115473700.00│116234500.00│103164900.00│ 95661600.00│ 82581400.00│ 79554900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│135679700.00│131917100.00│125891000.00│128885700.00│134412200.00│131470300.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 40204800.00│ 39140800.00│ 39338300.00│ 38749200.00│ 32130200.00│ 26247600.00│
│发放贷款及垫款 │991433000.00│944087400.00│943768800.00│930943700.00│913028600.00│868414400.00│
│拆出资金 │ 39406400.00│ 41382700.00│ 37964900.00│ 36800900.00│ 36174600.00│ 34801700.00│
│贵金属 │ ---│ ---│ ---│ ---│ ---│ ---│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │523072600.00│468844300.00│469742100.00│439384000.00│423043700.00│430651300.00│
│其他债权投资 │ 63177800.00│ 70444000.00│ 72217900.00│ 68468300.00│ 74722500.00│ 66881200.00│
│其他权益工具投资 │ 565600.00│ 561600.00│ 508100.00│ 464700.00│ 466300.00│ 463700.00│
│长期股权投资 │ 76400.00│ 76400.00│ 75100.00│ 73900.00│ 73300.00│ 73300.00│
│固定资产 │ 4709600.00│ 4802300.00│ 4680800.00│ 4763700.00│ 4536000.00│ 4608700.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │1951181100.0│1868206700.0│1860565300.0│1819052100.0│1768939900.0│1708491000.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 2302000.00│ 2718400.00│ 2692900.00│ 2696300.00│ 2751000.00│ 2613800.00│
│同业及其他金融机构存│ 27902100.00│ 18927100.00│ 20504600.00│ 23426600.00│ 13594500.00│ 13559900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 6111900.00│ 5613500.00│ 5790100.00│ 5636700.00│ 5231100.00│ 4729900.00│
│吸收存款 │1729196000.0│1654171600.0│1621644400.0│1610880900.0│1597653400.0│1528754100.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │ 26480600.00│ 25540000.00│ 48227000.00│ 22802900.00│ 18018400.00│ 19452400.00│
│负债合计 │1835707400.0│1751972200.0│1743977800.0│1704971500.0│1669300600.0│1605326100.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 12009500.00│ 12009500.00│ 12009500.00│ 12009500.00│ 9916100.00│ 9916100.00│
│资本公积 │ 27169700.00│ 27169700.00│ 27169700.00│ 27169700.00│ 16267100.00│ 16268100.00│
│盈余公积 │ 8415700.00│ 8415700.00│ 7554000.00│ 7554000.00│ 7554000.00│ 7554000.00│
│未分配利润 │ 30723000.00│ 28534200.00│ 32231100.00│ 29503600.00│ 28240500.00│ 26334300.00│
│归属于母公司所有者权│115241800.00│116014600.00│116366300.00│113863900.00│ 99429700.00│102966900.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 231900.00│ 219900.00│ 221200.00│ 216700.00│ 209600.00│ 198000.00│
│股东权益合计 │115473700.00│116234500.00│116587500.00│114080600.00│ 99639300.00│103164900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 9616200.00│ 35572800.00│ 34877500.00│ 34250700.00│ 33495600.00│ 31876200.00│
│利息净收入 │ 7389700.00│ 28162000.00│ 28612300.00│ 28180300.00│ 27359300.00│ 26938200.00│
│手续费及佣金净收入 │ 1204000.00│ 2936500.00│ 2528200.00│ 2825200.00│ 2843400.00│ 2200700.00│
│投资收益 │ 860200.00│ 4438700.00│ 3171500.00│ 2423100.00│ 2278100.00│ 1617300.00│
│公允价值变动收益 │ 191900.00│ 54600.00│ 511200.00│ 720800.00│ 337400.00│ 1080000.00│
│汇兑收益 │ -49200.00│ -59100.00│ -37400.00│ -11400.00│ 575700.00│ -92900.00│
│营业支出 │ 6850400.00│ 25684800.00│ 25517600.00│ 25099800.00│ 24377200.00│ 23735700.00│
│营业税金及附加 │ 78000.00│ 295900.00│ 261600.00│ 270300.00│ 262000.00│ 246800.00│
│业务及管理费 │ 4996800.00│ 22089500.00│ 22403500.00│ 22201500.00│ 20570500.00│ 18810200.00│
│资产减值损失 │ ---│ 800.00│ 2200.00│ 400.00│ 1900.00│ 2000.00│
│营业利润 │ 2765800.00│ 9888000.00│ 9359900.00│ 9150900.00│ 9118400.00│ 8140500.00│
│营业外收入 │ 1400.00│ 13800.00│ 35800.00│ 40500.00│ 43500.00│ 34500.00│
│营业外支出 │ 3100.00│ 79700.00│ -63500.00│ 31500.00│ 25500.00│ 29600.00│
│利润总额 │ 2764100.00│ 9822100.00│ 9459200.00│ 9159900.00│ 9136400.00│ 8145400.00│
│所得税 │ 179500.00│ 1059800.00│ 787600.00│ 517500.00│ 600900.00│ 492200.00│
│净利润 │ 2584600.00│ 8762300.00│ 8671600.00│ 8642400.00│ 8535500.00│ 7653200.00│
│归属母公司净利润 │ 2572600.00│ 8740400.00│ 8647900.00│ 8627000.00│ 8522400.00│ 7617000.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 9616200.00│ 35572800.00│ 26508000.00│ 17944600.00│ 8936300.00│ 34877500.00│
│利息净收入 │ 7389700.00│ 28162000.00│ 21050500.00│ 13905800.00│ 6885700.00│ 28612300.00│
│手续费及佣金净收入 │ 1204000.00│ 2936500.00│ 2309400.00│ 1691800.00│ 1030600.00│ 2528200.00│
│投资收益 │ 860200.00│ 4438700.00│ 3165100.00│ 1975000.00│ 1093700.00│ 3171500.00│
│公允价值变动收益 │ 191900.00│ 54600.00│ -14400.00│ 367100.00│ -78800.00│ 511200.00│
│汇兑收益 │ -49200.00│ -59100.00│ -22200.00│ -8900.00│ -2300.00│ -37400.00│
│营业支出 │ 6850400.00│ 25684800.00│ 17769000.00│ 12133300.00│ 6203200.00│ 25517600.00│
│营业税金及附加 │ 78000.00│ 295900.00│ 220300.00│ 143800.00│ 68100.00│ 261600.00│
│业务及管理费 │ 4996800.00│ 22089500.00│ 15216700.00│ 9815800.00│ 5062600.00│ 22403500.00│
│资产减值损失 │ ---│ 800.00│ 500.00│ 400.00│ 100.00│ 2200.00│
│营业利润 │ 2765800.00│ 9888000.00│ 8739000.00│ 5811300.00│ 2733100.00│ 9359900.00│
│营业外收入 │ 1400.00│ 13800.00│ 11600.00│ 7900.00│ 4300.00│ 35800.00│
│营业外支出 │ 3100.00│ 79700.00│ 34500.00│ 19400.00│ 12200.00│ -63500.00│
│利润总额 │ 2764100.00│ 9822100.00│ 8716100.00│ 5799800.00│ 2725200.00│ 9459200.00│
│所得税 │ 179500.00│ 1059800.00│ 1036700.00│ 858300.00│ 189000.00│ 787600.00│
│净利润 │ 2584600.00│ 8762300.00│ 7679400.00│ 4941500.00│ 2536200.00│ 8671600.00│
│归属母公司净利润 │ 2572600.00│ 8740400.00│ 7656200.00│ 4922800.00│ 2524600.00│ 8647900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │104582100.00│189266800.00│188046000.00│181856900.00│192425500.00│146395200.00│
│经营活动现金流出 │ 73797500.00│148060900.00│148318400.00│155523200.00│144934100.00│135439500.00│
│经营活动现金流量净额│ 30784600.00│ 41205900.00│ 39727600.00│ 26333700.00│ 47491400.00│ 10955700.00│
│投资活动现金流入 │ 54057400.00│195372200.00│175885200.00│176501400.00│159012600.00│129598200.00│
│投资活动现金流出 │100508300.00│212965600.00│223925100.00│200744200.00│210163300.00│147889900.00│
│投资活动现金流量净额│-46450900.00│-17593400.00│-48039900.00│-24242800.00│-51150700.00│-18291700.00│
│筹资活动现金流入 │ ---│ 42399700.00│ 27195600.00│ 56934100.00│ 7000000.00│ 12548000.00│
│筹资活动现金流出 │ 6269000.00│ 37825300.00│ 30273400.00│ 37709400.00│ 10773700.00│ 7321700.00│
│筹资活动现金流量净额│ -6269000.00│ 4574400.00│ -3077800.00│ 19224700.00│ -3773700.00│ 5226300.00│
│汇率变动对现金的影响│ -28800.00│ -24300.00│ 8900.00│ 9100.00│ 54600.00│ -66500.00│
│现金及等价物净增加额│-21964100.00│ 28162600.00│-11381200.00│ 21324700.00│ -7378400.00│ -2176200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │104582100.00│189266800.00│168410800.00│125524300.00│ 89973000.00│188046000.00│
│经营活动现金流出 │ 73797500.00│148060900.00│133413200.00│107154400.00│ 82403500.00│148318400.00│
│经营活动现金流量净额│ 30784600.00│ 41205900.00│ 34997600.00│ 18369900.00│ 7569500.00│ 39727600.00│
│投资活动现金流入 │ 54057400.00│195372200.00│155138600.00│109379600.00│ 51106200.00│175885200.00│
│投资活动现金流出 │100508300.00│212965600.00│189383400.00│113260900.00│ 46201100.00│223925100.00│
│投资活动现金流量净额│-46450900.00│-17593400.00│-34244800.00│ -3881300.00│ 4905100.00│-48039900.00│
│筹资活动现金流入 │ ---│ 42399700.00│ 42614000.00│ 29028000.00│ 3000000.00│ 27195600.00│
│筹资活动现金流出 │ 6269000.00│ 37825300.00│ 31331000.00│ 22331200.00│ 14776800.00│ 30273400.00│
│筹资活动现金流量净额│ -6269000.00│ 4574400.00│ 11283000.00│ 6696800.00│-11776800.00│ -3077800.00│
│汇率变动对现金的影响│ -28800.00│ -24300.00│ -3700.00│ 3700.00│ 2000.00│ 8900.00│
│现金及等价物净增加额│-21964100.00│ 28162600.00│ 12032100.00│ 21189100.00│ 699800.00│-11381200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│
└──────┴───────┴───────┴───────┴───────┘
〖免责条款〗
1、本公司力求但不保证提供的任何信息的真实性、准确性、完整性及原创性等，投资者使
用前请自行予以核实，如有错漏请以中国证监会指定上市公司信息披露媒体为准，本公司
不对因上述信息全部或部分内容而引致的盈亏承担任何责任。
2、本公司无法保证该项服务能满足用户的要求，也不担保服务不会受中断，对服务的及时
性、安全性以及出错发生都不作担保。
3、本公司提供的任何信息仅供投资者参考，不作为投资决策的依据，本公司不对投资者依
据上述信息进行投资决策所产生的收益和损失承担任何责任。投资有风险，应谨慎至上。
|