财务分析☆ ◇601939 建设银行 更新日期：2026-11-07◇ 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 │ 2026-09-30│ 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) │ 27422600.00│ 33890600.00│ 33557700.00│ 33265300.00│ 32386100.00│ 30251300.00│
│归母净利(调整后:万) │ ---│ ---│ 33557700.00│ 33265300.00│ 32472700.00│ 30251300.00│
│净利润增长率(%) │ 6.55│ 0.99│ 0.88│ 2.44│ 7.06│ 11.61│
│扣非净利润(万) │ 27280300.00│ 33878300.00│ 33532300.00│ 33229100.00│ 32370300.00│ 29815600.00│
│营业总收(未调整:万) │ 63893900.00│ 76104900.00│ 75015100.00│ 76973600.00│ 82247300.00│ 82424600.00│
│营业总收(调整后:万) │ ---│ ---│ 74697000.00│ 76973600.00│ 78376000.00│ 82424600.00│
│总营收同比增长率(%) │ 11.37│ 1.88│ -2.54│ -1.79│ -0.22│ 9.05│
│加权净资产收益率(%) │ 7.55│ 10.04│ 10.69│ 11.56│ 12.27│ 12.55│
│资产负债比率(%) │ 91.85│ 91.92│ 91.76│ 91.72│ 91.68│ 91.36│
│净利润现金含量(%) │ 460.94│ 620.01│ 100.73│ 193.25│ 302.11│ 144.36│
│基本每股收益(元) │ 1.0300│ 1.3000│ 1.3100│ 1.3100│ 1.2800│ 1.1900│
│每股收益-扣除(元) │ 1.0428│ 1.3000│ 1.3100│ 1.3100│ 1.2800│ 1.1900│
│每股收益-摊薄(元) │ 1.0483│ 1.2955│ 1.3422│ 1.3306│ 1.2954│ 1.2100│
│每股资本公积金(元) │ 0.8766│ 0.8758│ 0.5429│ 0.5425│ 0.5426│ 0.5397│
│每股未分配利润(元) │ 8.2067│ 7.3793│ 7.1265│ 6.6973│ 6.1117│ 5.5789│
│每股净资产(元) │ 14.0510│ 13.2400│ 12.6500│ 11.8000│ 10.8700│ 9.9500│
│每股经营现金流量(元)│ 4.8319│ 8.0323│ 1.3500│ 2.5700│ 3.9100│ 1.7500│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│审计意见 │ 未经审计│ 未经审计│ 未经审计│ 无保留意见│ 未经审计│ 未经审计│
│归母净利(未调整:万) │ 27422600.00│ 16956400.00│ 8629100.00│ 33890600.00│ 25736000.00│ 16207600.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 25736000.00│ 16207600.00│
│净利润增长率(%) │ 6.55│ 4.62│ 3.53│ 0.99│ 0.62│ -1.37│
│扣非净利润(万) │ 27280300.00│ 16826900.00│ 8616100.00│ 33878300.00│ 25672800.00│ 16159800.00│
│营业总收(未调整:万) │ 63893900.00│ 43652900.00│ 21125600.00│ 76104900.00│ 57370200.00│ 39427300.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 57370200.00│ 39427300.00│
│总营收同比增长率(%) │ 11.37│ 10.72│ 11.15│ 1.88│ 0.82│ 2.15│
│加权净资产收益率(%) │ 7.55│ 4.76│ 2.46│ 10.04│ 7.74│ 5.04│
│资产负债比率(%) │ 91.85│ 91.90│ 92.00│ 91.92│ 91.94│ 91.93│
│净利润现金含量(%) │ 460.94│ 206.81│ 688.87│ 620.01│ 706.16│ 775.32│
│基本每股收益(元) │ 1.0300│ 0.6500│ 0.3300│ 1.3000│ 1.0000│ 0.6500│
│每股收益-扣除(元) │ 1.0428│ 0.6500│ 0.3294│ 1.3000│ 0.9814│ 0.6500│
│每股收益-摊薄(元) │ 1.0483│ 0.6482│ 0.3299│ 1.2955│ 0.9838│ 0.6196│
│每股资本公积金(元) │ 0.8766│ 0.8766│ 0.8758│ 0.8758│ 0.8758│ 0.8758│
│每股未分配利润(元) │ 8.2067│ 7.8197│ 7.7085│ 7.3793│ 7.5809│ 7.2312│
│每股净资产(元) │ 14.0510│ 13.6900│ 13.5601│ 13.2400│ 13.1247│ 12.8600│
│每股经营现金流量(元)│ 4.8319│ 1.3405│ 2.2723│ 8.0323│ 6.9472│ 4.8036│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【2.偿债能力指标】
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-09-30│ 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(%) │ 91.85│ 91.92│ 91.76│ 91.72│ 91.68│ 91.36│
│产权比率 │ 11.34│ 11.45│ 11.21│ 11.16│ 11.10│ 10.68│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
┌───────────┬─────┬──────┬──────┬──────┬──────┬──────┐
│偿债能力指标 │2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├───────────┼─────┼──────┼──────┼──────┼──────┼──────┤
│流动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│速动比率 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产负债比率(%) │ 91.85│ 91.90│ 92.00│ 91.92│ 91.94│ 91.93│
│产权比率 │ 11.34│ 11.42│ 11.57│ 11.45│ 11.48│ 11.46│
│现金流比率(短期债务)% │ ---│ ---│ ---│ ---│ ---│ ---│
└───────────┴─────┴──────┴──────┴──────┴──────┴──────┘
【3.营运能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-09-30│ 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 │ 3.84│ 4.61│ 4.62│ 4.86│ 5.24│ 4.84│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.02│ 0.03│ 0.03│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│营运能力指标 │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│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 │ 3.84│ 2.61│ 1.28│ 4.61│ 3.51│ 2.40│
│总资产周转率 │ 0.01│ 0.01│ 0.00│ 0.02│ 0.01│ 0.01│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【4.盈利能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-09-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 6.95│ 9.25│ 10.10│ 10.56│ 11.34│ 11.69│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 50.75│ 50.15│ 51.23│ 50.57│ 46.44│ 45.95│
│销售净利率 │ 43.14│ 44.65│ 44.83│ 43.19│ 39.29│ 36.87│
│总资产净利率 │ 0.58│ 0.79│ 0.85│ 0.91│ 1.00│ 1.04│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│盈利能力指标(%) │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│净资产收益率 │ 6.95│ 4.45│ 2.30│ 9.25│ 7.08│ 4.55│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 50.75│ 45.36│ 47.02│ 50.15│ 50.48│ 46.27│
│销售净利率 │ 43.14│ 39.33│ 41.10│ 44.65│ 45.05│ 41.25│
│总资产净利率 │ 0.58│ 0.37│ 0.19│ 0.79│ 0.60│ 0.38│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【5.成长能力指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-09-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 11.37│ 1.88│ -2.54│ -1.79│ -0.22│ 9.05│
│营业利润增长率 │ 11.97│ -0.69│ -1.27│ 1.46│ 0.84│ 12.31│
│净利润增长率 │ 6.55│ 0.99│ 0.88│ 2.44│ 7.06│ 11.61│
│净资产增长率 │ 7.71│ 10.27│ 5.46│ 10.32│ 10.37│ 9.45│
│总资产增长率 │ 6.78│ 12.47│ 5.86│ 10.76│ 14.37│ 7.54│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│成长能力指标(%) │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业收入增长率 │ 11.37│ 10.72│ 11.15│ 1.88│ 0.82│ 2.15│
│营业利润增长率 │ 11.97│ 8.53│ 6.22│ -0.69│ -2.60│ -5.42│
│净利润增长率 │ 6.55│ 4.62│ 3.53│ 0.99│ 0.62│ -1.37│
│净资产增长率 │ 7.71│ 4.01│ 2.29│ 10.27│ 9.37│ 7.26│
│总资产增长率 │ 6.78│ 3.72│ 3.29│ 12.47│ 11.83│ 9.52│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【6.银行专项指标】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-09-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 49886.97亿│ 46634.26亿│ 43032.63亿│ 40206.61亿│ 36404.38亿│ 32522.82亿│
│核心一级资本净额(元)│ 36715.81亿│ 34648.52亿│ 31655.49亿│ 29443.86亿│ 27064.59亿│ 24754.62亿│
│风险加权资产(元) │ 255223.63亿│ 236851.71亿│ 218545.90亿│ 223959.08亿│ 197678.34亿│ 182158.93亿│
│存款总额(元) │ 315450.65亿│ 303805.98亿│ 282385.72亿│ 272233.04亿│ 246212.43亿│ 220286.23亿│
│贷款总额(元) │ 294911.83亿│ 277218.56亿│ 257937.17亿│ 238109.82亿│ 211501.67亿│ 187641.46亿│
│不良贷款(元) │ 3790.08亿│ 3639.82亿│ 3446.91亿│ 3252.56亿│ 2928.25亿│ 2660.71亿│
│存贷比例% │ 92.63│ 90.07│ 90.00│ 86.29│ 84.73│ 84.04│
│资本充足率% │ 19.55│ 19.69│ 19.69│ 17.95│ 18.42│ 17.85│
│核心一级资本充足率% │ 14.39│ 14.63│ 14.48│ 13.15│ 13.69│ 13.59│
│不良贷款率% │ 1.29│ 1.31│ 1.34│ 1.37│ 1.38│ 1.42│
│不良贷款拨备覆盖率% │ 233.21│ 233.15│ 233.60│ 239.85│ 241.53│ 239.96│
│净利差% │ ---│ 1.20│ 1.33│ 1.50│ 1.82│ 1.94│
│净息差% │ 1.36│ 1.34│ 1.51│ 1.70│ 2.02│ 2.13│
│成本收入比% │ 23.29│ 29.15│ 29.44│ 28.20│ 28.12│ 27.43│
│非利息收入占营业收入│ ---│ 24.74│ 21.36│ 19.81│ 21.81│ 26.55│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.70│ 3.18│ 3.45│ 3.67│ 3.71│
│计息负债平均成本率% │ ---│ 1.50│ 1.85│ 1.95│ 1.85│ 1.77│
│单一最大客户贷款比例│ ---│ 4.14│ 4.15│ 4.42│ 4.50│ 4.24│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 13.40│ 15.22│ 14.87│ 14.87│ 12.83│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 85.15│ 76.55│ 69.20│ 62.94│ 59.32│
│人民币)% │ │ │ │ │ │ │
│拆入资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
│拆出资金比例% │ ---│ ---│ ---│ ---│ ---│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│资本净额(元) │ 49886.97亿│ 48799.91亿│ 47280.14亿│ 46634.26亿│ 46073.63亿│ 45825.71亿│
│核心一级资本净额(元)│ 36715.81亿│ 35790.66亿│ 35492.27亿│ 34648.52亿│ 34377.15亿│ 33679.25亿│
│风险加权资产(元) │ 255223.63亿│ 251325.50亿│ 248820.44亿│ 236851.71亿│ 239439.62亿│ 234836.01亿│
│存款总额(元) │ 315450.65亿│ 314543.20亿│ 320352.13亿│ 303805.98亿│ 302041.58亿│ 300127.11亿│
│贷款总额(元) │ 294911.83亿│ 292868.45亿│ 288905.69亿│ 277218.56亿│ 276244.39亿│ 273946.34亿│
│不良贷款(元) │ 3790.08亿│ 3789.76亿│ 3772.23亿│ 3639.82亿│ 3654.74亿│ 3643.12亿│
│存贷比例% │ 92.63│ 92.22│ 89.29│ 90.07│ 90.30│ 90.07│
│资本充足率% │ 19.55│ 19.42│ 19.00│ 19.69│ 19.24│ 19.51│
│核心一级资本充足率% │ 14.39│ 14.24│ 14.26│ 14.63│ 14.36│ 14.34│
│不良贷款率% │ 1.29│ 1.29│ 1.31│ 1.31│ 1.32│ 1.33│
│不良贷款拨备覆盖率% │ 233.21│ 238.69│ 234.02│ 233.15│ 235.05│ 239.40│
│净利差% │ ---│ 1.26│ ---│ 1.20│ ---│ 1.24│
│净息差% │ 1.36│ 1.37│ 1.36│ 1.34│ 1.36│ 1.40│
│成本收入比% │ 23.29│ 21.99│ 21.08│ 29.15│ 25.39│ 23.60│
│非利息收入占营业收入│ ---│ 28.77│ ---│ 24.74│ ---│ 27.28│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.54│ ---│ 2.70│ ---│ 2.82│
│计息负债平均成本率% │ ---│ 1.28│ ---│ 1.50│ ---│ 1.58│
│单一最大客户贷款比例│ ---│ 4.12│ ---│ 4.14│ ---│ 4.06│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 12.40│ ---│ 13.40│ ---│ 14.69│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 84.22│ ---│ 85.15│ ---│ 84.97│
│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) │ 283885.45亿│ 268671.43亿│ 249616.89亿│ 229039.49亿│ 203253.10亿│ 179930.01亿│
│关注类(元) │ 5193.24亿│ 4907.31亿│ 4873.37亿│ 5817.77亿│ 5320.32亿│ 5050.74亿│
│次级类(元) │ 1227.20亿│ 1038.74亿│ 972.72亿│ 1266.91亿│ 1563.63亿│ 1431.95亿│
│可疑类(元) │ 649.50亿│ 734.26亿│ 1053.56亿│ 995.97亿│ 908.01亿│ 806.24亿│
│损失类(元) │ 1913.06亿│ 1866.82亿│ 1420.63亿│ 989.68亿│ 456.61亿│ 422.52亿│
│贷款合计(元) │ 292868.45亿│ 277218.56亿│ 257937.17亿│ 238109.82亿│ 211501.67亿│ 187641.46亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.35│ 1.17│ 1.07│ 1.66│ 1.57│ 1.64│
│关注类贷款迁徙率% │ 28.62│ 14.98│ 11.69│ 12.21│ 11.81│ 14.46│
│次级类贷款迁徙率% │ 88.06│ 50.73│ 44.56│ 44.86│ 35.85│ 33.02│
│可疑类贷款迁徙率% │ 99.08│ 57.47│ 34.38│ 44.84│ 39.63│ 16.44│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2025-12-31│ 2025-06-30│ 2024-12-31│ 2024-06-30│ 2023-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 283885.45亿│ 268671.43亿│ 265336.13亿│ 249616.89亿│ 245230.17亿│ 229039.49亿│
│关注类(元) │ 5193.24亿│ 4907.31亿│ 4967.09亿│ 4873.37亿│ 5263.30亿│ 5817.77亿│
│次级类(元) │ 1227.20亿│ 1038.74亿│ 1236.65亿│ 972.72亿│ 1361.11亿│ 1266.91亿│
│可疑类(元) │ 649.50亿│ 734.26亿│ 839.25亿│ 1053.56亿│ 1005.48亿│ 995.97亿│
│损失类(元) │ 1913.06亿│ 1866.82亿│ 1567.22亿│ 1420.63亿│ 1062.45亿│ 989.68亿│
│贷款合计(元) │ 292868.45亿│ 277218.56亿│ 273946.34亿│ 257937.17亿│ 253922.51亿│ 238109.82亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.35│ 1.17│ 1.35│ 1.07│ 1.21│ 1.66│
│关注类贷款迁徙率% │ 28.62│ 14.98│ 23.46│ 11.69│ 16.43│ 12.21│
│次级类贷款迁徙率% │ 88.06│ 50.73│ 74.85│ 44.56│ 63.56│ 44.86│
│可疑类贷款迁徙率% │ 99.08│ 57.47│ 79.17│ 34.38│ 51.87│ 44.84│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【8.指标变动说明】
截止日期:2026-09-30
┌──────┬────────┬──────┬────────┬──────┐
│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│126401600.00│ 181738000.00│ -30.45│
│的现金流量净│其他金融机构存放│ │ │ │
│额 │款项净增加额较上│ │ │ │
│ │年同期减少较多 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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 │规模增长及净息差│ 31095800.00│ 28670900.00│ 8.46│
│ │企稳等因素 │ │ │ │
│非利息收入 │提升综合金融服务│ 12557100.00│ 10756400.00│ 16.74│
│ │能力，抓住市场机│ │ │ │
│ │遇 │ │ │ │
│手续费及佣金│--- │ 6428900.00│ 6521800.00│ -1.42│
│净收入 │ │ │ │ │
│营业收入 │--- │ 43652900.00│ 39427300.00│ 10.72│
│税金及附加 │--- │ 444300.00│ 398400.00│ 11.52│
│业务及管理费│--- │ 9372600.00│ 9086300.00│ 3.15│
│信用减值损失│--- │ 13002800.00│ 10765200.00│ 20.79│
│其他资产减值│--- │ 200.00│ 1000.00│ -80.00│
│损失 │ │ │ │ │
│其他业务成本│--- │ 1032800.00│ 932200.00│ 10.79│
│营业利润 │--- │ 19800200.00│ 18244200.00│ 8.53│
│营业外收支净│--- │ -2200.00│ -100.00│ -2100.00│
│额 │ │ │ │ │
│利润总额 │--- │ 19798000.00│ 18244100.00│ 8.52│
│所得税费用 │--- │ 2630300.00│ 1980300.00│ 32.82│
│净利润 │--- │ 17167700.00│ 16263800.00│ 5.56│
│归属于本行股│--- │ 16956400.00│ 16207600.00│ 4.62│
│东的净利润 │ │ │ │ │
│发放贷款和垫│--- │2934277600.0│ 2777282700.00│ 5.65│
│款总额 │ │ 0│ │ │
│以摊余成本计│--- │-90266600.00│ -84603700.00│ -6.69│
│量的贷款损失│ │ │ │ │
│准备 │ │ │ │ │
│发放贷款和垫│本集团积极推动实│2844011000.0│ 2692679000.00│ 5.62│
│款净额 │体经济高质量发展│ 0│ │ │
│ │， 保持资产负债 │ │ │ │
│ │稳健协调增长，持│ │ │ │
│ │续优化大类资产组│ │ │ │
│ │合配置。 加大对 │ │ │ │
│ │金融“五篇大文章│ │ │ │
│ │” 、新质生产力 │ │ │ │
│ │等重点领域信贷投│ │ │ │
│ │放 │ │ │ │
│金融投资 │支持积极财政政策│1399092200.0│ 1289735200.00│ 8.48│
│ │实施，加大国债、│ 0│ │ │
│ │地方政府债等政府│ │ │ │
│ │债券认购力度， │ │ │ │
│ │统筹高效做好信用│ │ │ │
│ │债配置 │ │ │ │
│现金及存放中│--- │262465900.00│ 305419900.00│ -14.06│
│央银行款项 │ │ │ │ │
│存放同业款项│--- │101682600.00│ 101044500.00│ 0.63│
│及拆出资金 │ │ │ │ │
│买入返售金融│--- │ 24777600.00│ 85681800.00│ -71.08│
│资产 │ │ │ │ │
│资产:其他 │--- │100795100.00│ 88621400.00│ 13.74│
│资产总额 │--- │4732824400.0│ 4563181800.00│ 3.72│
│ │ │ 0│ │ │
│吸收存款 │--- │3181841900.0│ 3083557400.00│ 3.19│
│ │ │ 0│ │ │
│同业及其他金│同业及其他金融机│477417700.00│ 478717400.00│ -0.27│
│融机构存放款│构存放款项和拆入│ │ │ │
│项和拆入资金│资金4.77万亿元 │ │ │ │
│已发行债务证│为了丰富负债组合│283518300.00│ 259352400.00│ 9.32│
│券 │，发行同业存单和│ │ │ │
│ │金融债券等多品种│ │ │ │
│ │融资工具 │ │ │ │
│向中央银行借│中期借贷便利及结│147790100.00│ 109630700.00│ 34.81│
│款 │构性货币政策工具│ │ │ │
│ │有所增加 │ │ │ │
│卖出回购金融│--- │145098400.00│ 149093200.00│ -2.68│
│资产款 │ │ │ │ │
│负债:其他 │--- │113775400.00│ 114223000.00│ -0.39│
│负债总额 │--- │4349441800.0│ 4194574100.00│ 3.69│
│ │ │ 0│ │ │
│股本 │--- │ 26160000.00│ 26160000.00│ 0.00│
│其他权益工具│--- │ 22997700.00│ 19997700.00│ 15.00│
│优先股 │--- │ 5997700.00│ 5997700.00│ 0.00│
│永续债 │--- │ 17000000.00│ 14000000.00│ 21.43│
│资本公积 │--- │ 22931700.00│ 22911300.00│ 0.09│
│其他综合收益│--- │ 2169100.00│ 2056600.00│ 5.47│
│盈余公积 │--- │ 43468700.00│ 43468700.00│ 0.00│
│一般风险准备│--- │ 58728500.00│ 58705100.00│ 0.04│
│未分配利润 │--- │204562500.00│ 193041700.00│ 5.97│
│归属于本行股│--- │381018200.00│ 366341100.00│ 4.01│
│东权益 │ │ │ │ │
│少数股东权益│--- │ 2364400.00│ 2266600.00│ 4.31│
│股东权益总额│--- │383382600.00│ 368607700.00│ 4.01│
│经营活动产生│吸收存款和同业及│ 35068300.00│ 125661400.00│ -72.09│
│的现金流量净│其他金融机构存放│ │ │ │
│额 │款项净增加额较上│ │ │ │
│ │年同期减少较多 │ │ │ │
│投资活动所用│投资支付的现金较│-87743700.00│ -83118900.00│ -5.56│
│的现金流量净│上年同期增加较多│ │ │ │
│额 │ │ │ │ │
│筹资活动产生│吸收投资收到的现│ 7813700.00│ 8246600.00│ -5.25│
│的现金流量净│金较上年同期减少│ │ │ │
│额 │较多 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【9.资产负债表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-09-30│ 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│281861500.00│305419900.00│257136100.00│306605800.00│315929600.00│276389200.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 17849600.00│ 19062200.00│ 15453200.00│ 14821800.00│ 18538000.00│ 15510700.00│
│发放贷款及垫款 │2867210300.0│2692679000.0│2504040000.0│2308337700.0│2049511700.0│1817049200.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 75591500.00│ 81982300.00│ 67287500.00│ 67527000.00│ 42967600.00│ 18816200.00│
│贵金属 │ 22643700.00│ 19022500.00│ 13843300.00│ 5942900.00│ 11932900.00│ 12149300.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ ---│773965200.00│742972300.00│ ---│599258200.00│515516800.00│
│其他债权投资 │ ---│ ---│ ---│ ---│197985100.00│194147800.00│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ 2679900.00│ 2778100.00│ 2356000.00│ 2098300.00│ 2270000.00│ 1887500.00│
│固定资产 │ 16740000.00│ 16523500.00│ 16511600.00│ 15994800.00│ 15701400.00│ 16832600.00│
│商誉 │ 230400.00│ 241600.00│ 252200.00│ 245600.00│ 225600.00│ 214100.00│
│资产总计 │4872543700.0│4563181800.0│4057114900.0│3832482600.0│3460191700.0│3025397900.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │166698700.00│109630700.00│ 94259400.00│115563400.00│ 77477900.00│ 68503300.00│
│同业及其他金融机构存│454706900.00│428721700.00│283588500.00│279206600.00│258427100.00│193292600.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 48460400.00│ 49995700.00│ 47988100.00│ 40772200.00│ 35172800.00│ 29927500.00│
│吸收存款 │3190501800.0│3083557400.0│2871387000.0│2765401100.0│2502080700.0│2237881400.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │174231000.00│149093200.00│ 73991800.00│ 23457800.00│ 24267600.00│ 3390000.00│
│负债合计 │4475602800.0│4194574100.0│3722718400.0│3515275200.0│3172315700.0│2763985700.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 26160000.00│ 26160000.00│ 25001100.00│ 25001100.00│ 25001100.00│ 25001100.00│
│资本公积 │ 22932000.00│ 22911300.00│ 13573600.00│ 13561900.00│ 13565300.00│ 13492500.00│
│盈余公积 │ 43468700.00│ 43468700.00│ 40219600.00│ 36990600.00│ 33752700.00│ 30557100.00│
│未分配利润 │214687500.00│193041700.00│178171500.00│167440500.00│152799500.00│139479700.00│
│归属于母公司所有者权│394571700.00│366341100.00│332212700.00│315014500.00│285673300.00│258823100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 2369200.00│ 2266600.00│ 2183800.00│ 2192900.00│ 2202700.00│ 2589100.00│
│股东权益合计 │396940900.00│368607700.00│334396500.00│317207400.00│287876000.00│261412200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│资产负债指标(万元) │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│现金及存放中央银行款│281861500.00│262465900.00│273328700.00│305419900.00│289058800.00│297666000.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 17849600.00│ 20300600.00│ 27552500.00│ 19062200.00│ 29268400.00│ 16576300.00│
│发放贷款及垫款 │2867210300.0│2844011000.0│2806482900.0│2692679000.0│2682339400.0│2657549200.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 75591500.00│ 81382000.00│ 86614900.00│ 81982300.00│ 92375700.00│ 78098700.00│
│贵金属 │ 22643700.00│ 19885400.00│ 21121000.00│ 19022500.00│ 15410500.00│ 14161100.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ ---│859317400.00│811165900.00│773965200.00│737651100.00│ ---│
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ 2679900.00│ 2573900.00│ 2755500.00│ 2778100.00│ 2623100.00│ 2580200.00│
│固定资产 │ 16740000.00│ 16872700.00│ 16410100.00│ 16523500.00│ 16183600.00│ 16301100.00│
│商誉 │ 230400.00│ 232100.00│ 237600.00│ 241600.00│ 245100.00│ 246100.00│
│资产总计 │4872543700.0│4732824400.0│4713306200.0│4563181800.0│4536909400.0│4443284800.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │166698700.00│147790100.00│156432100.00│109630700.00│111886700.00│119908600.00│
│同业及其他金融机构存│454706900.00│429197300.00│392976100.00│428721700.00│431512000.00│378764800.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 48460400.00│ 48220400.00│ 52547200.00│ 49995700.00│ 52680700.00│ 52059800.00│
│吸收存款 │3190501800.0│3181841900.0│3241664600.0│3083557400.0│3065316100.0│3046949100.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │174231000.00│145098400.00│148358600.00│149093200.00│148095200.00│103873900.00│
│负债合计 │4475602800.0│4349441800.0│4336275700.0│4194574100.0│4171295300.0│4084798900.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 26160000.00│ 26160000.00│ 26160000.00│ 26160000.00│ 26160000.00│ 26160000.00│
│资本公积 │ 22932000.00│ 22931700.00│ 22911300.00│ 22911300.00│ 22911300.00│ 22911300.00│
│盈余公积 │ 43468700.00│ 43468700.00│ 43468700.00│ 43468700.00│ 40219600.00│ 40219600.00│
│未分配利润 │214687500.00│204562500.00│201654800.00│193041700.00│198315400.00│189167100.00│
│归属于母公司所有者权│394571700.00│381018200.00│374730700.00│366341100.00│363338700.00│356329800.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 2369200.00│ 2364400.00│ 2299800.00│ 2266600.00│ 2275400.00│ 2156100.00│
│股东权益合计 │396940900.00│383382600.00│377030500.00│368607700.00│365614100.00│358485900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【10.利润表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-09-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 63893900.00│ 76104900.00│ 75015100.00│ 76973600.00│ 82247300.00│ 82424600.00│
│利息净收入 │ 47040600.00│ 57277400.00│ 58988200.00│ 61723300.00│ 64306400.00│ 60542000.00│
│手续费及佣金净收入 │ 8441200.00│ 11030700.00│ 10492800.00│ 11574600.00│ 11608500.00│ 12149200.00│
│投资收益 │ 3721700.00│ 4914400.00│ 2141700.00│ 1688700.00│ 1535200.00│ 2392100.00│
│公允价值变动收益 │ 2508000.00│ -424500.00│ 535100.00│ -361500.00│ -1235900.00│ 655100.00│
│汇兑收益 │ 863200.00│ 1450400.00│ 736300.00│ 324700.00│ 49500.00│ 733300.00│
│营业支出 │ 31466800.00│ 37941800.00│ 36587900.00│ 38050900.00│ 44053000.00│ 44547000.00│
│营业税金及附加 │ 633100.00│ 913800.00│ 826300.00│ 847600.00│ 815400.00│ 779100.00│
│业务及管理费 │ 14538700.00│ 21567800.00│ 21431200.00│ 21008800.00│ 21321900.00│ 20986400.00│
│资产减值损失 │ 800.00│ 4200.00│ 29800.00│ 46300.00│ 47900.00│ 76600.00│
│营业利润 │ 32427100.00│ 38163100.00│ 38427200.00│ 38922700.00│ 38194300.00│ 37877600.00│
│营业外收入 │ 110700.00│ 140100.00│ 130900.00│ 173800.00│ 101500.00│ 116300.00│
│营业外支出 │ 116100.00│ 240900.00│ 120400.00│ 158800.00│ 94100.00│ 152700.00│
│利润总额 │ 32421700.00│ 38062300.00│ 38437700.00│ 38937700.00│ 38201700.00│ 37841200.00│
│所得税 │ 4859400.00│ 4083300.00│ 4809500.00│ 5691700.00│ 5885100.00│ 7448400.00│
│净利润 │ 27562300.00│ 33979000.00│ 33628200.00│ 33246000.00│ 32316600.00│ 30392800.00│
│归属母公司净利润 │ 27422600.00│ 33890600.00│ 33557700.00│ 33265300.00│ 32386100.00│ 30251300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│利润表指标(万元) │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│营业总收入 │ 63893900.00│ 43652900.00│ 21125600.00│ 76104900.00│ 57370200.00│ 39427300.00│
│利息净收入 │ 47040600.00│ 31095800.00│ 15346800.00│ 57277400.00│ 42760600.00│ 28670900.00│
│手续费及佣金净收入 │ 8441200.00│ 6428900.00│ 3997800.00│ 11030700.00│ 8966800.00│ 6521800.00│
│投资收益 │ 3721700.00│ 3184200.00│ 424000.00│ 4914400.00│ 3676100.00│ 2791200.00│
│公允价值变动收益 │ 2508000.00│ 1289700.00│ 332700.00│ -424500.00│ -411600.00│ -261800.00│
│汇兑收益 │ 863200.00│ 773400.00│ 560900.00│ 1450400.00│ 1035200.00│ 834200.00│
│营业支出 │ 31466800.00│ 23852700.00│ 11192100.00│ 37941800.00│ 28408900.00│ 21183100.00│
│营业税金及附加 │ 633100.00│ 444300.00│ 191100.00│ 913800.00│ 609200.00│ 398400.00│
│业务及管理费 │ 14538700.00│ 9372600.00│ 4351400.00│ 21567800.00│ 14204100.00│ 9086300.00│
│资产减值损失 │ 800.00│ 200.00│ 100.00│ 4200.00│ 1600.00│ 1000.00│
│营业利润 │ 32427100.00│ 19800200.00│ 9933500.00│ 38163100.00│ 28961300.00│ 18244200.00│
│营业外收入 │ 110700.00│ 76900.00│ 24600.00│ 140100.00│ 97900.00│ 65500.00│
│营业外支出 │ 116100.00│ 79100.00│ 38400.00│ 240900.00│ 101100.00│ 65600.00│
│利润总额 │ 32421700.00│ 19798000.00│ 9919700.00│ 38062300.00│ 28958100.00│ 18244100.00│
│所得税 │ 4859400.00│ 2630300.00│ 1237600.00│ 4083300.00│ 3113500.00│ 1980300.00│
│净利润 │ 27562300.00│ 17167700.00│ 8682100.00│ 33979000.00│ 25844600.00│ 16263800.00│
│归属母公司净利润 │ 27422600.00│ 16956400.00│ 8629100.00│ 33890600.00│ 25736000.00│ 16207600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【11.现金流量表摘要】
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-09-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │423518400.00│597226200.00│394976400.00│494572900.00│514938600.00│366449700.00│
│经营活动现金流出 │297116800.00│387102000.00│361174100.00│430287900.00│417096700.00│322777900.00│
│经营活动现金流量净额│126401600.00│210124200.00│ 33802300.00│ 64285000.00│ 97841900.00│ 43671800.00│
│投资活动现金流入 │348443900.00│367973700.00│299407700.00│219578100.00│205031600.00│213138000.00│
│投资活动现金流出 │506742700.00│544456300.00│368670900.00│301703500.00│270198400.00│264992800.00│
│投资活动现金流量净额│-158298800.0│-176482600.0│-69263200.00│-82125400.00│-65166800.00│-51854800.00│
│ │ 0│ 0│ │ │ │ │
│筹资活动现金流入 │ 31319900.00│ 42890900.00│ 27384300.00│ 21205700.00│ 18548600.00│ 21144700.00│
│筹资活动现金流出 │ 22674700.00│ 26511900.00│ 28104100.00│ 25938400.00│ 19191100.00│ 19532400.00│
│筹资活动现金流量净额│ 8645200.00│ 16379000.00│ -719800.00│ -4732700.00│ -642500.00│ 1612300.00│
│汇率变动对现金的影响│ -754700.00│ -781000.00│ 579200.00│ 754200.00│ 1772600.00│ -762400.00│
│现金及等价物净增加额│-24006700.00│ 49239600.00│-35601500.00│-21818900.00│ 33805200.00│ -7333100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│现金流量指标(万元) │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│经营活动现金流入 │423518400.00│285439100.00│251536100.00│597226200.00│560713000.00│453382000.00│
│经营活动现金流出 │297116800.00│250370800.00│192092800.00│387102000.00│378975000.00│327720600.00│
│经营活动现金流量净额│126401600.00│ 35068300.00│ 59443300.00│210124200.00│181738000.00│125661400.00│
│投资活动现金流入 │348443900.00│250989800.00│ 80368100.00│367973700.00│276227900.00│191040700.00│
│投资活动现金流出 │506742700.00│338733500.00│152269800.00│544456300.00│409287100.00│274159600.00│
│投资活动现金流量净额│-158298800.0│-87743700.00│-71901700.00│-176482600.0│-133059200.0│-83118900.00│
│ │ 0│ │ │ 0│ 0│ │
│筹资活动现金流入 │ 31319900.00│ 16318400.00│ 900.00│ 42890900.00│ 34308100.00│ 23558100.00│
│筹资活动现金流出 │ 22674700.00│ 8504700.00│ 7105900.00│ 26511900.00│ 23797300.00│ 15311500.00│
│筹资活动现金流量净额│ 8645200.00│ 7813700.00│ -7105000.00│ 16379000.00│ 10510800.00│ 8246600.00│
│汇率变动对现金的影响│ -754700.00│ -575300.00│ -238700.00│ -781000.00│ -502300.00│ -439600.00│
│现金及等价物净增加额│-24006700.00│-45437000.00│-19802100.00│ 49239600.00│ 58687300.00│ 50349500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 19007000.00│ 24.97│ 8335100.00│ 24.59│
│二季报 │ 20420300.00│ 26.83│ 7872500.00│ 23.23│
│三季报 │ 17942900.00│ 23.58│ 9528400.00│ 28.12│
│四季报 │ 18734700.00│ 24.62│ 8154600.00│ 24.06│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 20092800.00│ 26.79│ 8681700.00│ 25.87│
│二季报 │ 18503700.00│ 24.67│ 7750900.00│ 23.10│
│三季报 │ 18305700.00│ 24.40│ 9145000.00│ 27.25│
│四季报 │ 18112900.00│ 24.15│ 7980100.00│ 23.78│
└──────┴───────┴───────┴───────┴───────┘
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