财务分析☆ ◇601988 中国银行 更新日期：2026-09-19◇ 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) │ 12359400.00│ 24302100.00│ 23784100.00│ 23190400.00│ 22743900.00│ 21655900.00│
│归母净利(调整后:万) │ ---│ ---│ 23784100.00│ 23190400.00│ 22652200.00│ 21655900.00│
│净利润增长率(%) │ 5.11│ 2.18│ 2.56│ 2.38│ 5.02│ 12.28│
│扣非净利润(万) │ 12347900.00│ 24291200.00│ 23678900.00│ 23092800.00│ 22731200.00│ 21582900.00│
│营业总收(未调整:万) │ 35690300.00│ 65831000.00│ 63009000.00│ 62288900.00│ 61800900.00│ 60555900.00│
│营业总收(调整后:万) │ ---│ ---│ 63009000.00│ 62288900.00│ 58536700.00│ 60555900.00│
│总营收同比增长率(%) │ 8.48│ 4.48│ 1.16│ 6.41│ 2.06│ 7.08│
│加权净资产收益率(%) │ 8.66│ 8.94│ 9.50│ 10.12│ 10.81│ 11.28│
│资产负债比率(%) │ 91.94│ 91.64│ 91.58│ 91.50│ 91.12│ 91.20│
│净利润现金含量(%) │ 417.33│ 334.14│ 231.65│ 352.06│ -4.98│ 389.39│
│基本每股收益(元) │ 0.3600│ 0.7400│ 0.7500│ 0.7400│ 0.7200│ 0.7000│
│每股收益-扣除(元) │ 0.3600│ 0.7400│ 0.7500│ 0.7300│ 0.7300│ 0.7000│
│每股收益-摊薄(元) │ 0.3836│ 0.7542│ 0.8079│ 0.7877│ 0.7726│ 0.7356│
│每股资本公积金(元) │ 0.8456│ 0.8451│ 0.4612│ 0.4611│ 0.4612│ 0.4610│
│每股未分配利润(元) │ 4.2182│ 3.9801│ 4.0343│ 3.8356│ 3.5647│ 3.2508│
│每股净资产(元) │ 8.5400│ 8.3600│ 8.1800│ 7.5800│ 6.9900│ 6.4700│
│每股经营现金流量(元)│ 1.6008│ 2.5202│ 1.8716│ 2.7734│ -0.0385│ 2.8644│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 12359400.00│ 5663100.00│ 24302100.00│ 17766000.00│ 11759100.00│ 5436400.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 11759100.00│ 5436400.00│
│净利润增长率(%) │ 5.11│ 4.17│ 2.18│ 1.08│ -0.85│ -2.90│
│扣非净利润(万) │ 12347900.00│ 5660300.00│ 24291200.00│ 17742500.00│ 11761500.00│ 5461500.00│
│营业总收(未调整:万) │ 35690300.00│ 17884600.00│ 65831000.00│ 49120400.00│ 32900300.00│ 16492900.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 32900300.00│ 16492900.00│
│总营收同比增长率(%) │ 8.48│ 8.44│ 4.48│ 2.69│ 3.76│ 2.56│
│加权净资产收益率(%) │ 8.66│ 2.12│ 8.94│ 6.74│ 4.56│ 2.27│
│资产负债比率(%) │ 91.94│ 91.80│ 91.64│ 91.38│ 91.50│ 91.75│
│净利润现金含量(%) │ 417.33│ 346.47│ 334.14│ 28.83│ 28.61│ -74.43│
│基本每股收益(元) │ 0.3600│ 0.1800│ 0.7400│ 0.5500│ 0.3600│ 0.1800│
│每股收益-扣除(元) │ 0.3600│ 0.1800│ 0.7400│ 0.5500│ 0.3600│ 0.1900│
│每股收益-摊薄(元) │ 0.3836│ 0.1758│ 0.7542│ 0.5514│ 0.3649│ 0.1847│
│每股资本公积金(元) │ 0.8456│ 0.8457│ 0.8451│ 0.8451│ 0.8450│ 0.4590│
│每股未分配利润(元) │ 4.2182│ 4.1549│ 3.9801│ 4.0912│ 3.9097│ 4.2175│
│每股净资产(元) │ 8.5400│ 8.4833│ 8.3600│ 8.2981│ 8.1900│ 8.2762│
│每股经营现金流量(元)│ 1.6008│ 0.6089│ 2.5202│ 0.1590│ 0.1044│ -0.1374│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 91.94│ 91.64│ 91.58│ 91.50│ 91.12│ 91.20│
│产权比率 │ 11.92│ 11.47│ 11.40│ 11.29│ 10.85│ 10.95│
│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(%) │ 91.94│ 91.80│ 91.64│ 91.38│ 91.50│ 91.75│
│产权比率 │ 11.92│ 11.71│ 11.47│ 11.09│ 11.27│ 11.68│
│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 │ 1.52│ 2.89│ 2.79│ 2.74│ 2.77│ 2.45│
│总资产周转率 │ 0.01│ 0.02│ 0.02│ 0.02│ 0.02│ 0.02│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 1.52│ 0.77│ 2.89│ 2.19│ 1.48│ 0.74│
│总资产周转率 │ 0.01│ 0.00│ 0.02│ 0.01│ 0.01│ 0.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 3.99│ 7.93│ 8.45│ 8.82│ 9.37│ 9.73│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 45.56│ 45.56│ 46.42│ 47.21│ 46.07│ 45.60│
│销售净利率 │ 36.99│ 39.18│ 40.11│ 39.55│ 38.43│ 37.54│
│总资产净利率 │ 0.34│ 0.70│ 0.75│ 0.80│ 0.85│ 0.89│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 3.99│ 1.82│ 7.93│ 5.74│ 3.94│ 1.92│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 45.56│ 41.80│ 45.56│ 45.78│ 46.34│ 44.48│
│销售净利率 │ 36.99│ 34.08│ 39.18│ 38.60│ 38.34│ 35.56│
│总资产净利率 │ 0.34│ 0.16│ 0.70│ 0.52│ 0.35│ 0.17│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 8.48│ 4.48│ 1.16│ 6.41│ 2.06│ 7.08│
│营业利润增长率 │ 6.66│ 2.56│ -0.55│ 3.63│ 3.10│ 12.65│
│净利润增长率 │ 5.11│ 2.18│ 2.56│ 2.38│ 5.02│ 12.28│
│净资产增长率 │ 1.19│ 8.80│ 7.10│ 8.48│ 9.10│ 9.16│
│总资产增长率 │ 4.77│ 9.40│ 8.11│ 12.25│ 8.20│ 9.51│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 8.48│ 8.44│ 4.48│ 2.69│ 3.76│ 2.56│
│营业利润增长率 │ 6.66│ 1.90│ 2.56│ 2.14│ 2.72│ 2.53│
│净利润增长率 │ 5.11│ 4.17│ 2.18│ 1.08│ -0.85│ -2.90│
│净资产增长率 │ 1.19│ 1.28│ 8.80│ 9.85│ 6.08│ 0.36│
│总资产增长率 │ 4.77│ 3.22│ 9.40│ 7.10│ 4.93│ 2.64│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 40788.43亿│ 39458.67亿│ 36055.72亿│ 32974.08亿│ 29464.71亿│ 26988.39亿│
│核心一级资本净额(元)│ 26810.31亿│ 26220.71亿│ 23442.61亿│ 21618.25亿│ 19913.42亿│ 18438.86亿│
│风险加权资产(元) │ 222765.06亿│ 209328.51亿│ 192175.59亿│ 185912.78亿│ 168182.75亿│ 163237.13亿│
│存款总额(元) │ 265340.02亿│ 258220.27亿│ 238448.17亿│ 226028.35亿│ 199401.40亿│ 179201.68亿│
│贷款总额(元) │ 246952.87亿│ 234075.14亿│ 215435.85亿│ 199079.87亿│ 175073.49亿│ 156749.94亿│
│不良贷款(元) │ 3018.04亿│ 2880.36亿│ 2687.81亿│ 2532.05亿│ 2316.77亿│ 2087.92亿│
│存贷比例% │ 90.30│ 88.20│ 87.20│ 82.70│ 86.89│ 86.60│
│资本充足率% │ 18.31│ 18.85│ 18.76│ 17.74│ 17.52│ 16.53│
│核心一级资本充足率% │ 12.04│ 12.53│ 12.20│ 11.63│ 11.84│ 11.30│
│不良贷款率% │ 1.22│ 1.23│ 1.25│ 1.27│ 1.32│ 1.33│
│不良贷款拨备覆盖率% │ 200.85│ 200.37│ 200.60│ 191.66│ 188.73│ 187.05│
│净利差% │ ---│ ---│ ---│ ---│ ---│ ---│
│净息差% │ 1.27│ 1.26│ 1.40│ 1.59│ 1.76│ 1.75│
│成本收入比% │ 23.43│ 27.84│ 28.77│ 28.50│ 27.88│ 28.17│
│非利息收入占营业收入│ 33.67│ 33.06│ 28.75│ 25.10│ 25.46│ 29.79│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.66│ 2.85│ 3.34│ 3.58│ 3.36│ 3.25│
│计息负债平均成本率% │ 1.51│ 1.75│ 2.12│ 2.18│ 1.75│ 1.63│
│单一最大客户贷款比例│ 2.60│ 2.50│ 2.50│ 2.00│ 2.20│ 2.30│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 12.10│ 12.50│ 12.70│ 13.00│ 12.70│ 12.80│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 51.10│ 49.60│ 55.40│ 55.00│ 49.00│ 49.60│
│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) │ 40788.43亿│ 39863.95亿│ 39458.67亿│ 38619.55亿│ 38222.37亿│ 36071.73亿│
│核心一级资本净额(元)│ 26810.31亿│ 26641.79亿│ 26220.71亿│ 26036.92亿│ 25722.02亿│ 23705.51亿│
│风险加权资产(元) │ 222765.06亿│ 218657.48亿│ 209328.51亿│ 206945.78亿│ 204705.98亿│ 200610.40亿│
│存款总额(元) │ 265340.02亿│ 268498.90亿│ 258220.27亿│ 253221.18亿│ 252775.11亿│ 252576.02亿│
│贷款总额(元) │ 246952.87亿│ 244022.60亿│ 234075.14亿│ 233053.21亿│ 230063.06亿│ 225588.38亿│
│不良贷款(元) │ 3018.04亿│ 2970.11亿│ 2880.36亿│ 2886.69亿│ 2846.56亿│ 2812.08亿│
│存贷比例% │ 90.30│ 89.99│ 88.20│ 90.94│ 89.20│ 88.28│
│资本充足率% │ 18.31│ 18.23│ 18.85│ 18.66│ 18.67│ 17.98│
│核心一级资本充足率% │ 12.04│ 12.18│ 12.53│ 12.58│ 12.57│ 11.82│
│不良贷款率% │ 1.22│ 1.22│ 1.23│ 1.24│ 1.24│ 1.25│
│不良贷款拨备覆盖率% │ 200.85│ 203.17│ 200.37│ 196.60│ 197.39│ 197.97│
│净利差% │ ---│ ---│ ---│ ---│ ---│ ---│
│净息差% │ 1.27│ 1.26│ 1.26│ 1.26│ 1.26│ 1.29│
│成本收入比% │ 23.43│ 24.80│ 27.84│ 26.90│ 25.11│ 26.17│
│非利息收入占营业收入│ 33.67│ 35.06│ 33.06│ 33.67│ 34.71│ 34.68│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.66│ ---│ 2.85│ ---│ 2.96│ ---│
│计息负债平均成本率% │ 1.51│ ---│ 1.75│ ---│ 1.86│ ---│
│单一最大客户贷款比例│ 2.60│ ---│ 2.50│ ---│ 2.50│ ---│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 12.10│ ---│ 12.50│ ---│ 11.90│ ---│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 51.10│ ---│ 49.60│ ---│ 50.10│ ---│
│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) │ 240369.42亿│ 227760.08亿│ 209583.43亿│ 193645.44亿│ 170400.18亿│ 152553.89亿│
│关注类(元) │ 3565.41亿│ 3434.70亿│ 3164.61亿│ 2902.38亿│ 2356.54亿│ 2108.13亿│
│次级类(元) │ 735.93亿│ 527.90亿│ 685.53亿│ 672.46亿│ 1043.31亿│ 617.90亿│
│可疑类(元) │ 830.61亿│ 1030.81亿│ 947.53亿│ 1052.61亿│ 605.69亿│ 607.18亿│
│损失类(元) │ 1451.50亿│ 1321.65亿│ 1054.75亿│ 806.98亿│ 667.77亿│ 862.84亿│
│贷款合计(元) │ 246952.87亿│ 234075.14亿│ 215435.85亿│ 199079.87亿│ 175073.49亿│ 156749.94亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.22│ 1.03│ 1.06│ 1.20│ 1.03│ 1.18│
│关注类贷款迁徙率% │ 23.25│ 21.98│ 21.62│ 26.41│ 20.63│ 32.91│
│次级类贷款迁徙率% │ 75.10│ 45.72│ 63.08│ 47.40│ 31.80│ 83.68│
│可疑类贷款迁徙率% │ 66.05│ 42.19│ 49.27│ 33.09│ 10.43│ 23.06│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 240369.42亿│ 227760.08亿│ 223911.52亿│ 209583.43亿│ 205254.65亿│ 193645.44亿│
│关注类(元) │ 3565.41亿│ 3434.70亿│ 3304.98亿│ 3164.61亿│ 3022.46亿│ 2902.38亿│
│次级类(元) │ 735.93亿│ 527.90亿│ 690.90亿│ 685.53亿│ 629.01亿│ 672.46亿│
│可疑类(元) │ 830.61亿│ 1030.81亿│ 811.82亿│ 947.53亿│ 1075.66亿│ 1052.61亿│
│损失类(元) │ 1451.50亿│ 1321.65亿│ 1343.84亿│ 1054.75亿│ 908.00亿│ 806.98亿│
│贷款合计(元) │ 246952.87亿│ 234075.14亿│ 230063.06亿│ 215435.85亿│ 210889.78亿│ 199079.87亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.22│ 1.03│ 1.35│ 1.06│ 1.25│ 1.20│
│关注类贷款迁徙率% │ 23.25│ 21.98│ 33.23│ 21.62│ 26.98│ 26.41│
│次级类贷款迁徙率% │ 75.10│ 45.72│ 86.10│ 63.08│ 129.47│ 47.40│
│可疑类贷款迁徙率% │ 66.05│ 42.19│ 90.94│ 49.27│ 70.77│ 33.09│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │--- │ 23673300.00│ 21481600.00│ 10.20│
│非利息收入 │--- │ 12017000.00│ 11418700.00│ 5.24│
│手续费及佣金│本行围绕客户多元│ 4720900.00│ 4679100.00│ 0.89│
│净收入 │化金融服务需求，│ │ │ │
│ │加大财富管理、资│ │ │ │
│ │产托管等业务拓展│ │ │ │
│ │力度，托管和其他│ │ │ │
│ │受托、结算与清算│ │ │ │
│ │等业务收入增长较│ │ │ │
│ │好 │ │ │ │
│营业收入 │--- │ 35690300.00│ 32900300.00│ 8.48│
│营业支出 │--- │ 19429000.00│ 17654200.00│ 10.05│
│业务及管理费│--- │ 8362700.00│ 8262800.00│ 1.21│
│资产减值损失│--- │ 6807600.00│ 5750200.00│ 18.39│
│营业利润 │--- │ 16261300.00│ 15246100.00│ 6.66│
│利润总额 │--- │ 16291900.00│ 15301800.00│ 6.47│
│所得税费用 │--- │ 3088800.00│ 2688000.00│ 14.91│
│净利润 │--- │ 13203100.00│ 12613800.00│ 4.67│
│归属于母公司│--- │ 12359400.00│ 11759100.00│ 5.10│
│所有者的净利│ │ │ │ │
│润 │ │ │ │ │
│发放贷款和垫│--- │2413522400.0│ 2287676900.00│ 5.50│
│款净额 │ │ 0│ │ │
│金融投资 │--- │1048131600.0│ 965961000.00│ 8.51│
│ │ │ 0│ │ │
│存放中央银行│--- │241257700.00│ 246476200.00│ -2.12│
│存拆放同业 │--- │153241400.00│ 148994100.00│ 2.85│
│其他资产 │--- │162482000.00│ 186699400.00│ -12.97│
│资产总计 │--- │4018635100.0│ 3835807600.00│ 4.77│
│ │ │ 0│ │ │
│吸收存款 │--- │2682576300.0│ 2618243100.00│ 2.46│
│ │ │ 0│ │ │
│同业存拆入及│--- │626657400.00│ 539069900.00│ 16.25│
│向中央银行借│ │ │ │ │
│款 │ │ │ │ │
│其他借入资金│--- │232576500.00│ 234923300.00│ -1.00│
│其他负债 │--- │152786500.00│ 122758900.00│ 24.46│
│负债合计 │--- │3694596700.0│ 3514995200.00│ 5.11│
│ │ │ 0│ │ │
│所有者权益合│(1)上半年，集团 │324038400.00│ 320812400.00│ 1.01│
│计 │实现净利润1,320.│ │ │ │
│ │31亿元，其中归属│ │ │ │
│ │于母公司所有者的│ │ │ │
│ │净利润1,235.94亿│ │ │ │
│ │元。(2)根据股东 │ │ │ │
│ │会审议批准的2025│ │ │ │
│ │年度利润分配方案│ │ │ │
│ │，派发2025年末期│ │ │ │
│ │普通股现金股利37│ │ │ │
│ │6.67亿元。(3)稳 │ │ │ │
│ │步推进外部资本补│ │ │ │
│ │充，并做好存量资│ │ │ │
│ │本管理，成功发行│ │ │ │
│ │300亿元无固定期 │ │ │ │
│ │限资本债券，赎回│ │ │ │
│ │500亿元无固定期 │ │ │ │
│ │限资本债券。(4) │ │ │ │
│ │派发优先股股息34│ │ │ │
│ │.23亿元、无固定 │ │ │ │
│ │期限资本债券利息│ │ │ │
│ │48.46亿元 │ │ │ │
│现金及现金等│--- │191074900.00│ 188274500.00│ 1.49│
│价物余额 │ │ │ │ │
│经营活动产生│同业及其他金融机│ 51580000.00│ 3363900.00│ 1433.34│
│的现金流量为│构存放款项净增加│ │ │ │
│净流入 │额增加 │ │ │ │
│投资活动产生│金融投资相关的净│-76374700.00│ -64766000.00│ -17.92│
│的现金流量为│流出增加 │ │ │ │
│净流出 │ │ │ │ │
│筹资活动产生│上年同期收到普通│ -9398100.00│ 8759900.00│ -207.29│
│的现金流量为│股增资 │ │ │ │
│净流出 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│活动产生的现│同业存放款项产生│ 19620800.00│ -4046300.00│ 584.91│
│金流量 │的现金流入较上年│ │ │ │
│ │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│247833400.00│253481700.00│253701400.00│300861400.00│237856500.00│228824400.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 53583400.00│ 50749000.00│ 51329100.00│ 50128400.00│ 75035700.00│ 58529800.00│
│发放贷款及垫款 │2413522400.0│2287676900.0│2105528200.0│1947687100.0│1711756600.0│1532248400.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 99658000.00│ 98245100.00│ 91301300.00│ 85050800.00│ 84558400.00│ 75218500.00│
│贵金属 │ 33624000.00│ 30569800.00│ 17963500.00│ 9696800.00│ 13021500.00│ 27625800.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │483778800.00│427108300.00│337103500.00│ ---│340540800.00│321319900.00│
│其他债权投资 │ ---│ ---│ ---│ ---│246837500.00│238983000.00│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ 3972500.00│ 4107400.00│ 4097200.00│ 3955000.00│ 3830400.00│ 3576900.00│
│固定资产 │ 23807800.00│ 23195500.00│ 22390500.00│ 22713500.00│ 22677600.00│ 24609100.00│
│商誉 │ 267800.00│ 275700.00│ 282800.00│ 268500.00│ 265100.00│ 248100.00│
│资产总计 │4018635100.0│3835807600.0│3506129900.0│3243216600.0│2891385700.0│2672240800.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │168695900.00│173405500.00│111201600.00│123532000.00│ 91585800.00│ 95555700.00│
│同业及其他金融机构存│406800200.00│318730300.00│293375200.00│224536200.00│224032300.00│268273900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 51161300.00│ 46934100.00│ 44669800.00│ 38828400.00│ 32844100.00│ 31039500.00│
│吸收存款 │2682576300.0│2618243100.0│2420258800.0│2290705000.0│2020182500.0│1814288700.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │ 33064000.00│ 8434500.00│ 16050300.00│ 8669300.00│ 13789400.00│ 9737200.00│
│负债合计 │3694596700.0│3514995200.0│3210833500.0│2967535100.0│2634628600.0│2437185500.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 32221200.00│ 32221200.00│ 29438800.00│ 29438800.00│ 29438800.00│ 29438800.00│
│资本公积 │ 27246600.00│ 27230400.00│ 13576800.00│ 13573600.00│ 13575900.00│ 13571700.00│
│盈余公积 │ 30292300.00│ 30217900.00│ 27900600.00│ 25672900.00│ 23536200.00│ 21393000.00│
│未分配利润 │135916800.00│128244400.00│118765000.00│112914800.00│104940400.00│ 95698700.00│
│归属于母公司所有者权│310065500.00│306404400.00│281623100.00│262951000.00│242758900.00│222515300.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 13972900.00│ 14408000.00│ 13673300.00│ 12730500.00│ 13998200.00│ 12540000.00│
│股东权益合计 │324038400.00│320812400.00│295296400.00│275681500.00│256757100.00│235055300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│247833400.00│224849500.00│253481700.00│224480600.00│233290700.00│237337500.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 53583400.00│ 59319200.00│ 50749000.00│ 44846900.00│ 48113300.00│ 55918400.00│
│发放贷款及垫款 │2413522400.0│2384834600.0│2287676900.0│2278589500.0│2248817800.0│2205243900.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│拆出资金 │ 99658000.00│100832100.00│ 98245100.00│ 92490600.00│ 84969200.00│ 87576700.00│
│贵金属 │ 33624000.00│ 32521500.00│ 30569800.00│ 20743100.00│ 13834500.00│ 10528800.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │483778800.00│452232000.00│427108300.00│399250000.00│380649400.00│ ---│
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ 3972500.00│ 4077100.00│ 4107400.00│ 4119900.00│ 4135100.00│ 4099200.00│
│固定资产 │ 23807800.00│ 23415200.00│ 23195500.00│ 22426200.00│ 22015500.00│ 22273200.00│
│商誉 │ 267800.00│ 271300.00│ 275700.00│ 279700.00│ 279500.00│ 282000.00│
│资产总计 │4018635100.0│3959419700.0│3835807600.0│3755016300.0│3679061300.0│3598714700.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │168695900.00│154912300.00│173405500.00│168218400.00│154513400.00│128552700.00│
│同业及其他金融机构存│406800200.00│362623300.00│318730300.00│292114200.00│264369000.00│263068200.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 51161300.00│ 44188000.00│ 46934100.00│ 47606800.00│ 49700300.00│ 40451600.00│
│吸收存款 │2682576300.0│2717187700.0│2618243100.0│2567884000.0│2563831200.0│2561049900.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│卖出回购金融资产款 │ 33064000.00│ 22613400.00│ 8434500.00│ 4301600.00│ 3589000.00│ 4832600.00│
│负债合计 │3694596700.0│3634646500.0│3514995200.0│3431284900.0│3366494800.0│3301941400.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 32221200.00│ 32221200.00│ 32221200.00│ 32221200.00│ 32221200.00│ 29438800.00│
│资本公积 │ 27246600.00│ 27250300.00│ 27230400.00│ 27231100.00│ 27226500.00│ 13512800.00│
│盈余公积 │ 30292300.00│ 30244100.00│ 30217900.00│ 27971800.00│ 27957900.00│ 27927600.00│
│未分配利润 │135916800.00│133875900.00│128244400.00│131823800.00│125973900.00│124157900.00│
│归属于母公司所有者权│310065500.00│310335800.00│306404400.00│309368200.00│298759000.00│282634300.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 13972900.00│ 14437400.00│ 14408000.00│ 14363200.00│ 13807500.00│ 14139000.00│
│股东权益合计 │324038400.00│324773200.00│320812400.00│323731400.00│312566500.00│296773300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 35690300.00│ 65831000.00│ 63009000.00│ 62288900.00│ 61800900.00│ 60555900.00│
│利息净收入 │ 23673300.00│ 44070500.00│ 44893400.00│ 46654500.00│ 46067800.00│ 42514200.00│
│手续费及佣金净收入 │ 4720900.00│ 8223700.00│ 7659000.00│ 7886500.00│ 7224800.00│ 8142600.00│
│投资收益 │ 696200.00│ 5329500.00│ 4145300.00│ 2517200.00│ 2410400.00│ 2383500.00│
│公允价值变动收益 │ 2373200.00│ -339900.00│ -156200.00│ -70800.00│ -1052400.00│ 1271700.00│
│汇兑收益 │ 226500.00│ 2251700.00│ 1262600.00│ 993400.00│ 907900.00│ 396800.00│
│营业支出 │ 19429000.00│ 35836000.00│ 33762700.00│ 32881600.00│ 33331300.00│ 32942800.00│
│营业税金及附加 │ 370400.00│ 630700.00│ 621000.00│ 609800.00│ 613500.00│ 571500.00│
│业务及管理费 │ 8362700.00│ 18327000.00│ 18126200.00│ 17750300.00│ 17231100.00│ 17060200.00│
│资产减值损失 │ -3100.00│ 108300.00│ 25900.00│ 6800.00│ 596600.00│ 114100.00│
│营业利润 │ 16261300.00│ 29995000.00│ 29246300.00│ 29407300.00│ 28469600.00│ 27613100.00│
│营业外收入 │ 77000.00│ 268800.00│ 335600.00│ 221400.00│ 177500.00│ 163600.00│
│营业外支出 │ 46400.00│ 135000.00│ 86500.00│ 67900.00│ 187600.00│ 114700.00│
│利润总额 │ 16291900.00│ 30128800.00│ 29495400.00│ 29560800.00│ 28459500.00│ 27662000.00│
│所得税 │ 3088800.00│ 4335200.00│ 4223500.00│ 4923700.00│ 4709100.00│ 4928100.00│
│净利润 │ 13203100.00│ 25793600.00│ 25271900.00│ 24637100.00│ 23750400.00│ 22733900.00│
│归属母公司净利润 │ 12359400.00│ 24302100.00│ 23784100.00│ 23190400.00│ 22743900.00│ 21655900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 35690300.00│ 17884600.00│ 65831000.00│ 49120400.00│ 32900300.00│ 16492900.00│
│利息净收入 │ 23673300.00│ 11614300.00│ 44070500.00│ 32579200.00│ 21481600.00│ 10772700.00│
│手续费及佣金净收入 │ 4720900.00│ 2708200.00│ 8223700.00│ 6559100.00│ 4679100.00│ 2565100.00│
│投资收益 │ 696200.00│ 4000.00│ 5329500.00│ 3907400.00│ 1598300.00│ 1386400.00│
│公允价值变动收益 │ 2373200.00│ 868300.00│ -339900.00│ -266000.00│ 292000.00│ -595000.00│
│汇兑收益 │ 226500.00│ 296400.00│ 2251700.00│ 1835200.00│ 1625900.00│ 844600.00│
│营业支出 │ 19429000.00│ 10408700.00│ 35836000.00│ 26631600.00│ 17654200.00│ 9156500.00│
│营业税金及附加 │ 370400.00│ 187800.00│ 630700.00│ 467300.00│ 313200.00│ 170100.00│
│业务及管理费 │ 8362700.00│ 4436200.00│ 18327000.00│ 13212900.00│ 8262800.00│ 4316400.00│
│资产减值损失 │ -3100.00│ ---│ 108300.00│ 101100.00│ 98500.00│ 1100.00│
│营业利润 │ 16261300.00│ 7475900.00│ 29995000.00│ 22488800.00│ 15246100.00│ 7336400.00│
│营业外收入 │ 77000.00│ 10300.00│ 268800.00│ 185600.00│ 101300.00│ 27400.00│
│营业外支出 │ 46400.00│ 9800.00│ 135000.00│ 77700.00│ 45600.00│ 28900.00│
│利润总额 │ 16291900.00│ 7476400.00│ 30128800.00│ 22596700.00│ 15301800.00│ 7334900.00│
│所得税 │ 3088800.00│ 1380500.00│ 4335200.00│ 3637800.00│ 2688000.00│ 1470500.00│
│净利润 │ 13203100.00│ 6095900.00│ 25793600.00│ 18958900.00│ 12613800.00│ 5864400.00│
│归属母公司净利润 │ 12359400.00│ 5663100.00│ 24302100.00│ 17766000.00│ 11759100.00│ 5436400.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │257290100.00│400949600.00│329823600.00│420687900.00│271577200.00│312863300.00│
│经营活动现金流出 │205710100.00│319746600.00│274727000.00│339043300.00│272710900.00│228537500.00│
│经营活动现金流量净额│ 51580000.00│ 81203000.00│ 55096600.00│ 81644600.00│ -1133700.00│ 84325800.00│
│投资活动现金流入 │244669700.00│517707300.00│503207900.00│382418900.00│373931000.00│326692900.00│
│投资活动现金流出 │321044400.00│624903300.00│583806500.00│436361700.00│376155200.00│366249000.00│
│投资活动现金流量净额│-76374700.00│-107196000.0│-80598600.00│-53942800.00│ -2224200.00│-39556100.00│
│ │ │ 0│ │ │ │ │
│筹资活动现金流入 │ 80940900.00│227311100.00│154772400.00│134634000.00│106453900.00│107533200.00│
│筹资活动现金流出 │ 90339000.00│208448600.00│143586400.00│122647800.00│101149200.00│100098800.00│
│筹资活动现金流量净额│ -9398100.00│ 18862500.00│ 11186000.00│ 11986200.00│ 5304700.00│ 7434400.00│
│汇率变动对现金的影响│ -5216600.00│ 721900.00│ -463600.00│ 2837900.00│ 9636700.00│ -4127800.00│
│现金及等价物净增加额│-39409400.00│ -6408600.00│-14779600.00│ 42525900.00│ 11583500.00│ 48076300.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │257290100.00│189434400.00│400949600.00│282534300.00│224776000.00│164383800.00│
│经营活动现金流出 │205710100.00│169813600.00│319746600.00│277411700.00│221412100.00│168430100.00│
│经营活动现金流量净额│ 51580000.00│ 19620800.00│ 81203000.00│ 5122600.00│ 3363900.00│ -4046300.00│
│投资活动现金流入 │244669700.00│112488600.00│517707300.00│382613000.00│291627500.00│123467400.00│
│投资活动现金流出 │321044400.00│153050100.00│624903300.00│465904100.00│356393500.00│160534500.00│
│投资活动现金流量净额│-76374700.00│-40561500.00│-107196000.0│-83291100.00│-64766000.00│-37067100.00│
│ │ │ │ 0│ │ │ │
│筹资活动现金流入 │ 80940900.00│ 12633000.00│227311100.00│173251600.00│112376600.00│ 22171400.00│
│筹资活动现金流出 │ 90339000.00│ 31492700.00│208448600.00│136067300.00│103616700.00│ 39105700.00│
│筹资活动现金流量净额│ -9398100.00│-18859700.00│ 18862500.00│ 37184300.00│ 8759900.00│-16934300.00│
│汇率变动对现金的影响│ -5216600.00│ -2908900.00│ 721900.00│ 2452300.00│ 4023800.00│ 1542200.00│
│现金及等价物净增加额│-39409400.00│-42709300.00│ -6408600.00│-38531900.00│-48618400.00│-56505500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 16492900.00│ 25.05│ 5436400.00│ 22.37│
│二季报 │ 16407400.00│ 24.92│ 6322700.00│ 26.02│
│三季报 │ 16220100.00│ 24.64│ 6006900.00│ 24.72│
│四季报 │ 16710600.00│ 25.38│ 6536100.00│ 26.90│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 16081800.00│ 25.52│ 5598900.00│ 23.54│
│二季报 │ 15625800.00│ 24.80│ 6261200.00│ 26.33│
│三季报 │ 16127200.00│ 25.60│ 5716200.00│ 24.03│
│四季报 │ 15174200.00│ 24.08│ 6207800.00│ 26.10│
└──────┴───────┴───────┴───────┴───────┘
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