财务分析☆ ◇601998 中信银行 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) │ 5529300.00│ 7061800.00│ 6857600.00│ 6701600.00│ 6210300.00│ 5564100.00│
│归母净利(调整后:万) │ ---│ ---│ 6857600.00│ 6701600.00│ 6210300.00│ 5564100.00│
│净利润增长率(%) │ 3.56│ 2.98│ 2.33│ 7.91│ 11.61│ 13.60│
│扣非净利润(万) │ 5371900.00│ 6981900.00│ 6806200.00│ 6652400.00│ 6185000.00│ 5551100.00│
│营业总收(未调整:万) │ 16264100.00│ 21247500.00│ 21364600.00│ 20589600.00│ 21139200.00│ 20455700.00│
│营业总收(调整后:万) │ ---│ ---│ 21364600.00│ 20589600.00│ 21139200.00│ 20455700.00│
│总营收同比增长率(%) │ 3.33│ -0.55│ 3.76│ -2.60│ 3.34│ 5.05│
│加权净资产收益率(%) │ 6.96│ 9.39│ 9.79│ 10.80│ 10.80│ 10.73│
│资产负债比率(%) │ 91.31│ 91.63│ 91.53│ 91.88│ 91.98│ 92.01│
│净利润现金含量(%) │ 548.70│ 627.43│ -263.99│ -1.37│ 314.10│ -135.50│
│基本每股收益(元) │ 0.9200│ 1.2000│ 1.2200│ 1.2700│ 1.1700│ 1.0800│
│每股收益-扣除(元) │ 0.9000│ 1.1900│ 1.2100│ 1.2600│ 1.1700│ 1.0700│
│每股收益-摊薄(元) │ 0.9937│ 1.2691│ 1.2607│ 1.3686│ 1.2691│ 1.1370│
│每股资本公积金(元) │ 1.7172│ 1.7174│ 1.6414│ 1.2131│ 1.2101│ 1.2101│
│每股未分配利润(元) │ 7.4683│ 6.7434│ 6.3215│ 6.5477│ 5.8344│ 5.1907│
│每股净资产(元) │ 13.6300│ 13.0100│ 12.5699│ 12.3000│ 11.2500│ 10.4500│
│每股经营现金流量(元)│ 5.4523│ 7.9600│ -3.3300│ -0.0200│ 3.9900│ -1.5407│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 5529300.00│ 3760200.00│ 2009800.00│ 7061800.00│ 5339100.00│ 3647800.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 5339100.00│ 3647800.00│
│净利润增长率(%) │ 3.56│ 3.08│ 3.02│ 2.98│ 3.02│ 2.78│
│扣非净利润(万) │ 5371900.00│ 3613500.00│ 2001700.00│ 6981900.00│ 5295600.00│ 3633500.00│
│营业总收(未调整:万) │ 16264100.00│ 10940800.00│ 5464900.00│ 21247500.00│ 15659800.00│ 10576200.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 15740300.00│ 10616900.00│
│总营收同比增长率(%) │ 3.33│ 3.05│ 5.23│ -0.55│ -3.46│ -2.99│
│加权净资产收益率(%) │ 6.96│ 4.81│ 2.78│ 9.39│ 7.05│ 4.89│
│资产负债比率(%) │ 91.31│ 91.42│ 91.54│ 91.63│ 91.49│ 91.55│
│净利润现金含量(%) │ 548.70│ 614.30│ 936.34│ 627.43│ 394.14│ 78.54│
│基本每股收益(元) │ 0.9200│ 0.6300│ 0.3600│ 1.2000│ 0.8900│ 0.6200│
│每股收益-扣除(元) │ 0.9000│ 0.6100│ 0.3597│ 1.1900│ 0.8900│ 0.6100│
│每股收益-摊薄(元) │ 0.9937│ 0.6757│ 0.3612│ 1.2691│ 0.9595│ 0.6555│
│每股资本公积金(元) │ 1.7172│ 1.7173│ 1.7174│ 1.7174│ 1.7174│ 1.7174│
│每股未分配利润(元) │ 7.4683│ 7.1777│ 7.1028│ 6.7434│ 6.8876│ 6.6167│
│每股净资产(元) │ 13.6300│ 13.4200│ 13.3500│ 13.0100│ 12.9100│ 12.7500│
│每股经营现金流量(元)│ 5.4523│ 4.1500│ 3.3819│ 7.9600│ 3.7818│ 0.5100│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 91.31│ 91.63│ 91.53│ 91.88│ 91.98│ 92.01│
│产权比率 │ 10.73│ 11.20│ 11.06│ 11.60│ 11.81│ 11.82│
│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(%) │ 91.31│ 91.42│ 91.54│ 91.63│ 91.49│ 91.55│
│产权比率 │ 10.73│ 10.89│ 11.06│ 11.20│ 11.00│ 11.08│
│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 │ 2.14│ 3.57│ 5.28│ 6.18│ 6.70│ 6.01│
│总资产周转率 │ 0.02│ 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 │ 2.14│ 1.44│ 0.72│ 3.57│ 2.70│ 1.95│
│总资产周转率 │ 0.02│ 0.01│ 0.01│ 0.02│ 0.02│ 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 │ 6.26│ 8.52│ 8.69│ 9.34│ 9.33│ 8.88│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 40.32│ 39.38│ 37.88│ 36.38│ 34.68│ 32.05│
│销售净利率 │ 34.53│ 33.65│ 32.52│ 33.06│ 29.78│ 27.56│
│总资产净利率 │ 0.55│ 0.73│ 0.75│ 0.77│ 0.76│ 0.72│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 6.26│ 4.31│ 2.37│ 8.52│ 6.48│ 4.48│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 40.32│ 41.87│ 43.10│ 39.38│ 41.78│ 44.06│
│销售净利率 │ 34.53│ 34.90│ 37.49│ 33.65│ 34.65│ 35.05│
│总资产净利率 │ 0.55│ 0.37│ 0.20│ 0.73│ 0.56│ 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 │ 3.33│ -0.55│ 3.76│ -2.60│ 3.34│ 5.05│
│营业利润增长率 │ 0.24│ 3.39│ 8.06│ 2.15│ 11.82│ 13.41│
│净利润增长率 │ 3.56│ 2.98│ 2.33│ 7.91│ 11.61│ 13.60│
│净资产增长率 │ 6.60│ 5.01│ 10.04│ 7.79│ 6.25│ 15.01│
│总资产增长率 │ 2.45│ 6.28│ 5.31│ 5.91│ 6.27│ 7.08│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 3.33│ 3.05│ 5.23│ -0.55│ -3.46│ -2.99│
│营业利润增长率 │ 0.24│ -1.71│ 3.29│ 3.39│ 4.70│ 6.67│
│净利润增长率 │ 3.56│ 3.08│ 3.02│ 2.98│ 3.02│ 2.78│
│净资产增长率 │ 6.60│ 5.18│ 2.28│ 5.01│ 4.31│ 3.17│
│总资产增长率 │ 2.45│ 2.50│ 1.09│ 6.28│ 3.83│ 3.42│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 10392.71亿│ 9839.68亿│ 9441.60亿│ 8698.53亿│ 8320.87亿│ 7858.11亿│
│核心一级资本净额(元)│ 7636.10亿│ 7286.08亿│ 6871.34亿│ 6051.56亿│ 5518.63亿│ 5140.78亿│
│风险加权资产(元) │ 81016.83亿│ 76843.39亿│ 70687.36亿│ 67277.13亿│ 63155.06亿│ 58095.23亿│
│存款总额(元) │ 63555.97亿│ 60492.75亿│ 57782.31亿│ 53981.83亿│ 50993.48亿│ 47365.84亿│
│贷款总额(元) │ 59986.47亿│ 58621.72亿│ 57201.28亿│ 54983.44亿│ 51527.72亿│ 48559.69亿│
│不良贷款(元) │ 688.43亿│ 672.16亿│ 664.85亿│ 648.00亿│ 652.13亿│ 674.59亿│
│存贷比例% │ 93.49│ 96.07│ 97.91│ 100.93│ 100.23│ 101.65│
│资本充足率% │ 12.83│ 12.80│ 13.36│ 12.93│ 13.18│ 13.53│
│核心一级资本充足率% │ 9.43│ 9.48│ 9.72│ 8.99│ 8.74│ 8.85│
│不良贷款率% │ 1.15│ 1.15│ 1.16│ 1.18│ 1.27│ 1.39│
│不良贷款拨备覆盖率% │ 201.94│ 203.61│ 209.43│ 207.59│ 201.19│ 180.07│
│净利差% │ ---│ 1.60│ 1.71│ 1.75│ 1.92│ 1.99│
│净息差% │ 1.60│ 1.63│ 1.77│ 1.78│ 1.97│ 2.05│
│成本收入比% │ ---│ 31.61│ 32.49│ 32.35│ 30.53│ 29.20│
│非利息收入占营业收入│ ---│ 32.00│ 31.34│ 30.29│ 28.74│ 27.70│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 3.21│ 3.73│ 3.95│ 4.11│ 4.24│
│计息负债平均成本率% │ ---│ 1.61│ 2.02│ 2.20│ 2.19│ 2.25│
│单一最大客户贷款比例│ ---│ 1.08│ 1.10│ 1.20│ 1.19│ 1.23│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 8.09│ 8.86│ 9.50│ 9.84│ 10.15│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 68.47│ 73.47│ 52.00│ 62.18│ 59.99│
│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) │ 10392.71亿│ 10287.95亿│ 10033.90亿│ 9839.68亿│ 9811.54亿│ 10138.73亿│
│核心一级资本净额(元)│ 7636.10亿│ 7525.16亿│ 7483.00亿│ 7286.08亿│ 7234.25亿│ 7144.46亿│
│风险加权资产(元) │ 81016.83亿│ 80335.62亿│ 80196.29亿│ 76843.39亿│ 75421.30亿│ 75249.23亿│
│存款总额(元) │ 63555.97亿│ 62798.80亿│ 61872.48亿│ 60492.75亿│ 60673.29亿│ 61069.07亿│
│贷款总额(元) │ 59986.47亿│ 60086.41亿│ 59995.03亿│ 58621.72亿│ 57824.81亿│ 58019.00亿│
│不良贷款(元) │ 688.43亿│ 689.46亿│ 687.45亿│ 672.16亿│ 669.39亿│ 671.34亿│
│存贷比例% │ 93.49│ 95.20│ 95.93│ 96.07│ 94.02│ 94.07│
│资本充足率% │ 12.83│ 12.81│ 12.51│ 12.80│ 13.01│ 13.47│
│核心一级资本充足率% │ 9.43│ 9.37│ 9.33│ 9.48│ 9.59│ 9.49│
│不良贷款率% │ 1.15│ 1.15│ 1.15│ 1.15│ 1.16│ 1.16│
│不良贷款拨备覆盖率% │ 201.94│ 203.12│ 202.45│ 203.61│ 204.16│ 207.53│
│净利差% │ ---│ 1.60│ ---│ 1.60│ ---│ 1.60│
│净息差% │ 1.60│ 1.62│ 1.61│ 1.63│ 1.63│ 1.63│
│成本收入比% │ ---│ 25.46│ ---│ 31.61│ 28.58│ 26.91│
│非利息收入占营业收入│ ---│ 33.14│ ---│ 32.00│ ---│ 32.70│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ ---│ 2.97│ ---│ 3.21│ ---│ 3.33│
│计息负债平均成本率% │ ---│ 1.37│ ---│ 1.61│ ---│ 1.73│
│单一最大客户贷款比例│ ---│ 1.01│ ---│ 1.08│ ---│ 1.07│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ ---│ 7.81│ ---│ 8.09│ ---│ 8.62│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ ---│ 67.10│ ---│ 68.47│ ---│ 68.72│
│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 │ 2026-09-30│ 2025-12-31│ 2024-12-31│ 2023-12-31│ 2022-12-31│ 2021-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 58252.19亿│ 56996.98亿│ 55600.73亿│ 53468.75亿│ 50031.90亿│ 47036.20亿│
│关注类(元) │ 1045.85亿│ 952.58亿│ 935.70亿│ 866.69亿│ 843.69亿│ 848.90亿│
│次级类(元) │ 154.30亿│ 173.94亿│ 155.30亿│ 173.46亿│ 365.40亿│ 338.19亿│
│可疑类(元) │ 284.80亿│ 263.20亿│ 276.15亿│ 261.07亿│ 214.69亿│ 269.38亿│
│损失类(元) │ 249.33亿│ 235.02亿│ 233.40亿│ 213.47亿│ 72.04亿│ 67.02亿│
│贷款合计(元) │ 59986.47亿│ 58621.72亿│ 57201.28亿│ 54983.44亿│ 51527.72亿│ 48559.69亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 1.74│ 1.68│ 2.18│ 2.26│ 2.98│
│关注类贷款迁徙率% │ ---│ 29.37│ 26.44│ 36.70│ 29.38│ 32.87│
│次级类贷款迁徙率% │ ---│ 61.36│ 63.28│ 83.18│ 73.43│ 77.19│
│可疑类贷款迁徙率% │ ---│ 54.61│ 73.38│ 88.83│ 78.75│ 58.93│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-09-30│ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 58252.19亿│ 58389.71亿│ 58326.33亿│ 56996.98亿│ 56211.36亿│ 56388.21亿│
│关注类(元) │ 1045.85亿│ 1007.24亿│ 981.25亿│ 952.58亿│ 944.06亿│ 959.45亿│
│次级类(元) │ 154.30亿│ 157.61亿│ 171.81亿│ 173.94亿│ 173.38亿│ 172.35亿│
│可疑类(元) │ 284.80亿│ 276.84亿│ 275.71亿│ 263.20亿│ 259.75亿│ 251.93亿│
│损失类(元) │ 249.33亿│ 255.01亿│ 239.93亿│ 235.02亿│ 236.26亿│ 247.06亿│
│贷款合计(元) │ 59986.47亿│ 60086.41亿│ 59995.03亿│ 58621.72亿│ 57824.81亿│ 58019.00亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ ---│ 0.90│ ---│ 1.74│ ---│ 0.88│
│关注类贷款迁徙率% │ ---│ 21.53│ ---│ 29.37│ ---│ 19.90│
│次级类贷款迁徙率% │ ---│ 65.78│ ---│ 61.36│ ---│ 55.91│
│可疑类贷款迁徙率% │ ---│ 42.92│ ---│ 54.61│ ---│ 43.10│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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│本期经营活动产生│ 30339500.00│ 21043700.00│ 44.17│
│的现金流量净│的现金净流入为3,│ │ │ │
│额 │033.95亿元，同比│ │ │ │
│ │增加929.58亿元，│ │ │ │
│ │主要是同业往来现│ │ │ │
│ │金流入增加 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│现金及存放中│超额存款准备金增│ 52346600.00│ 38691600.00│ 35.29│
│央银行款项 │加 │ │ │ │
│存放同业款项│存放银行业金融机│ 8242800.00│ 14119700.00│ -41.62│
│ │构款项减少 │ │ │ │
│买入返售金融│买入返售债券减少│ 11337000.00│ 16964000.00│ -33.17│
│资产 │ │ │ │ │
│同业及其他金│非银行金融机构存│122665100.00│ 93667200.00│ 30.96│
│融机构存放款│放款项增加 │ │ │ │
│项 │ │ │ │ │
│交易性金融负│卖空债券增加 │ 865800.00│ 129600.00│ 568.06│
│债 │ │ │ │ │
│卖出回购金融│卖出回购债券减少│ 29994500.00│ 47750200.00│ -37.18│
│资产款 │ │ │ │ │
│应付职工薪酬│应付工资减少 │ 1448600.00│ 2097700.00│ -30.94│
│其他综合收益│外币报表折算差额│ 157900.00│ 300700.00│ -47.49│
│ │减少 │ │ │ │
│公允价值变动│交易性金融资产公│ 9900.00│ -27000.00│ 136.67│
│损益 │允价值变动收益增│ │ │ │
│ │加 │ │ │ │
│汇兑损益 │外汇衍生金融工具│ 7900.00│ 150300.00│ -94.74│
│ │收益减少 │ │ │ │
│其他业务收入│经营租赁收入增加│ 247800.00│ 98000.00│ 152.86│
│其他收益 │政府补助增加 │ 48000.00│ 21200.00│ 126.42│
│其他业务成本│经营租赁成本增加│ 120500.00│ 40700.00│ 196.07│
│营业外收入 │本期取得联营企业│ 120000.00│ 7400.00│ 1521.62│
│ │的投资成本小于取│ │ │ │
│ │得时应享有被投资│ │ │ │
│ │单位可辨认净资产│ │ │ │
│ │公允价值产生的收│ │ │ │
│ │益 │ │ │ │
│利息收入 │生息资产收益率下│ 13434800.00│ 14512200.00│ -7.42│
│ │降 │ │ │ │
│利息支出 │付息负债成本率下│ 6119900.00│ 7392100.00│ -17.21│
│ │降 │ │ │ │
│资产总额 │本集团贷款及垫款│1038383900.0│ 1013102800.00│ 2.50│
│ │、现金及存放中央│ 0│ │ │
│ │银行款项和金融投│ │ │ │
│ │资增加 │ │ │ │
│负债总额 │客户存款、同业及│949304100.00│ 928339800.00│ 2.26│
│ │其他金融机构存放│ │ │ │
│ │款项及拆入资金增│ │ │ │
│ │加 │ │ │ │
│经营活动产生│同业往来流入增加│ 23098800.00│ 2865100.00│ 706.21│
│的现金净流入│ │ │ │ │
│存放中央银行│超额存款准备金规│ 2208300.00│ ---│ ---│
│款项增加现金│模增加 │ │ │ │
│流出 │ │ │ │ │
│为交易目的而│债券及同业存单规│ 4644300.00│ 1458800.00│ 218.36│
│持有的金融资│模增加 │ │ │ │
│产增加现金流│ │ │ │ │
│出 │ │ │ │ │
│客户存款增加│客户存款规模增幅│ 25181600.00│ 33908700.00│ -25.74│
│现金流入 │下降 │ │ │ │
│贷款及垫款增│贷款规模增幅上升│ 18562400.00│ 11238100.00│ 65.17│
│加现金流出 │ │ │ │ │
│投资活动产生│投资及出售兑付规│ 5211200.00│ 17113900.00│ -69.55│
│的现金净流出│模增加，整体为现│ │ │ │
│ │金净流出 │ │ │ │
│收回投资现金│出售及兑付金融投│401800500.00│ 299999100.00│ 33.93│
│流入 │资规模增加 │ │ │ │
│支付投资现金│投资规模增加 │405752100.00│ 314772200.00│ 28.90│
│流出 │ │ │ │ │
│筹资活动产生│偿还同业存单及债│ 12774900.00│ -13937400.00│ 191.66│
│的现金净流出│务证券增加，发行│ │ │ │
│ │同业存单及债务证│ │ │ │
│ │券减少，整体为现│ │ │ │
│ │金净流出 │ │ │ │
│发行债务凭证│发行同业存单及债│ 75695700.00│ 83437000.00│ -9.28│
│现金流入 │务证券减少 │ │ │ │
│偿还债务凭证│偿还同业存单及债│ 88106500.00│ 67610400.00│ 30.32│
│现金流出 │务证券增加 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│ 35695800.00│ 38691600.00│ 34091500.00│ 41644200.00│ 47738100.00│ 43538300.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 8525500.00│ 14119700.00│ 12819300.00│ 8107500.00│ 7883400.00│ 10785600.00│
│发放贷款及垫款 │588195700.00│574687100.00│560145000.00│538375000.00│503896700.00│474807600.00│
│拆出资金 │ 46068400.00│ 44609800.00│ 40480100.00│ 23774200.00│ 21816400.00│ 14391800.00│
│贵金属 │ 4339100.00│ 2885100.00│ 1358000.00│ 1167400.00│ 598500.00│ 964500.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │142184200.00│131290000.00│111898900.00│108559800.00│113545200.00│117022900.00│
│其他债权投资 │ 92473300.00│ 92691300.00│ 84978100.00│ 88867700.00│ 80469500.00│ 65185700.00│
│其他权益工具投资 │ 815700.00│ 823400.00│ 470200.00│ 480700.00│ 512800.00│ 474500.00│
│长期股权投资 │ 1104300.00│ 878700.00│ 734900.00│ 694500.00│ 634100.00│ 575300.00│
│固定资产 │ 7844500.00│ 7329500.00│ 4574300.00│ 3516200.00│ 3150000.00│ 3418400.00│
│商誉 │ 87200.00│ 91600.00│ 95900.00│ 92600.00│ 90300.00│ 83300.00│
│资产总计 │1037899800.0│1013102800.0│953272200.00│905248400.00│854754300.00│804288400.00│
│ │ 0│ 0│ │ │ │ │
│向中央银行借款 │ 18324900.00│ 20402500.00│ 12415100.00│ 27322600.00│ 11942200.00│ 18919800.00│
│同业及其他金融机构存│126790700.00│ 93667200.00│ 96849200.00│ 92788700.00│114377600.00│117476300.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 14421100.00│ 15901300.00│ 8855000.00│ 8632700.00│ 7074100.00│ 7833100.00│
│吸收存款 │641632200.00│612701200.00│586431100.00│546765700.00│515786400.00│478996900.00│
│卖出回购金融资产款 │ 34797600.00│ 47750200.00│ 27800300.00│ 46301800.00│ 25619400.00│ 9833900.00│
│负债合计 │947659400.00│928339800.00│872535700.00│831780900.00│786171300.00│740025800.00│
│实收资本(或股本) │ 5564500.00│ 5564500.00│ 5439700.00│ 4896700.00│ 4893500.00│ 4893500.00│
│资本公积 │ 9555500.00│ 9556600.00│ 8928600.00│ 5940000.00│ 5921600.00│ 5921600.00│
│盈余公积 │ 7409900.00│ 7409900.00│ 6762900.00│ 6099200.00│ 5472700.00│ 4893700.00│
│未分配利润 │ 41557100.00│ 37523400.00│ 34386800.00│ 32061900.00│ 28550500.00│ 25400500.00│
│归属于母公司所有者权│ 88351100.00│ 82881300.00│ 78926400.00│ 71722200.00│ 66541800.00│ 62630300.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1889300.00│ 1881700.00│ 1810100.00│ 1745300.00│ 2041200.00│ 1632300.00│
│股东权益合计 │ 90240400.00│ 84763000.00│ 80736500.00│ 73467500.00│ 68583000.00│ 64262600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 35695800.00│ 52346600.00│ 40285500.00│ 38691600.00│ 34614200.00│ 38582600.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 8525500.00│ 8242800.00│ 9924400.00│ 14119700.00│ 7165200.00│ 8830400.00│
│发放贷款及垫款 │588195700.00│589035000.00│588218800.00│574687100.00│566713400.00│568325800.00│
│拆出资金 │ 46068400.00│ 42084200.00│ 39111000.00│ 44609800.00│ 51593400.00│ 46914600.00│
│贵金属 │ 4339100.00│ 2824600.00│ 2884600.00│ 2885100.00│ 4704700.00│ 2942600.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │142184200.00│136821800.00│129202100.00│131290000.00│118947400.00│110450500.00│
│其他债权投资 │ 92473300.00│ 91708200.00│ 99596000.00│ 92691300.00│ 98901800.00│ 99484900.00│
│其他权益工具投资 │ 815700.00│ 814800.00│ 819300.00│ 823400.00│ 442700.00│ 466600.00│
│长期股权投资 │ 1104300.00│ 1102400.00│ 983400.00│ 878700.00│ 776000.00│ 764100.00│
│固定资产 │ 7844500.00│ 7903100.00│ 7754900.00│ 7329500.00│ 7028600.00│ 6282000.00│
│商誉 │ 87200.00│ 88200.00│ 89900.00│ 91600.00│ 93300.00│ 93100.00│
│资产总计 │1037899800.0│1038383900.0│1024120900.0│1013102800.0│989812800.00│985846600.00│
│ │ 0│ 0│ 0│ 0│ │ │
│向中央银行借款 │ 18324900.00│ 21851700.00│ 22848300.00│ 20402500.00│ 17746900.00│ 13118600.00│
│同业及其他金融机构存│126790700.00│122665100.00│111081400.00│ 93667200.00│ 76999900.00│ 70504600.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 14421100.00│ 15124700.00│ 16840100.00│ 15901300.00│ 12242200.00│ 11184200.00│
│吸收存款 │641632200.00│633649900.00│625384200.00│612701200.00│615000300.00│619209400.00│
│卖出回购金融资产款 │ 34797600.00│ 29994500.00│ 34904000.00│ 47750200.00│ 42306800.00│ 34716300.00│
│负债合计 │947659400.00│949304100.00│937447600.00│928339800.00│905593600.00│902550100.00│
│实收资本(或股本) │ 5564500.00│ 5564500.00│ 5564500.00│ 5564500.00│ 5564500.00│ 5564500.00│
│资本公积 │ 9555500.00│ 9555900.00│ 9556600.00│ 9556600.00│ 9556600.00│ 9556600.00│
│盈余公积 │ 7409900.00│ 7409900.00│ 7409900.00│ 7409900.00│ 6762900.00│ 6762900.00│
│未分配利润 │ 41557100.00│ 39940500.00│ 39523300.00│ 37523400.00│ 38326200.00│ 36818600.00│
│归属于母公司所有者权│ 88351100.00│ 87175700.00│ 84772500.00│ 82881300.00│ 82331500.00│ 81430100.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1889300.00│ 1904100.00│ 1900800.00│ 1881700.00│ 1887700.00│ 1866400.00│
│股东权益合计 │ 90240400.00│ 89079800.00│ 86673300.00│ 84763000.00│ 84219200.00│ 83296500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 16264100.00│ 21247500.00│ 21364600.00│ 20589600.00│ 21139200.00│ 20455700.00│
│利息净收入 │ 10945000.00│ 14446900.00│ 14667900.00│ 14353900.00│ 15064700.00│ 14789600.00│
│手续费及佣金净收入 │ 2534800.00│ 3277200.00│ 3110200.00│ 3238300.00│ 3709200.00│ 3587000.00│
│投资收益 │ 2370600.00│ 2899900.00│ 2927000.00│ 2583400.00│ 1972700.00│ 1741100.00│
│公允价值变动收益 │ -47400.00│ 22300.00│ 380300.00│ 52100.00│ 96400.00│ 45500.00│
│汇兑收益 │ 3500.00│ 212600.00│ 150000.00│ 262100.00│ 251000.00│ 241100.00│
│营业支出 │ 9706400.00│ 12880100.00│ 13271700.00│ 13100100.00│ 13807400.00│ 13898800.00│
│营业税金及附加 │ 156900.00│ 216200.00│ 219400.00│ 218500.00│ 212200.00│ 220300.00│
│业务及管理费 │ 4228000.00│ 6715900.00│ 6941000.00│ 6661200.00│ 6454800.00│ 5973700.00│
│资产减值损失 │ -100.00│ 23300.00│ 6800.00│ 27800.00│ 4500.00│ 4300.00│
│营业利润 │ 6557700.00│ 8367400.00│ 8092900.00│ 7489500.00│ 7331800.00│ 6556900.00│
│营业外收入 │ 128300.00│ 61600.00│ 25600.00│ 34000.00│ 20200.00│ 17500.00│
│营业外支出 │ 16600.00│ 24700.00│ 32200.00│ 34800.00│ 10400.00│ 22700.00│
│利润总额 │ 6669400.00│ 8404300.00│ 8086300.00│ 7488700.00│ 7341600.00│ 6551700.00│
│所得税 │ 1053700.00│ 1255300.00│ 1139500.00│ 682500.00│ 1046600.00│ 914000.00│
│净利润 │ 5615700.00│ 7149000.00│ 6946800.00│ 6806200.00│ 6295000.00│ 5637700.00│
│归属母公司净利润 │ 5529300.00│ 7061800.00│ 6857600.00│ 6701600.00│ 6210300.00│ 5564100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 16264100.00│ 10940800.00│ 5464900.00│ 21247500.00│ 15659800.00│ 10576200.00│
│利息净收入 │ 10945000.00│ 7314900.00│ 3627000.00│ 14446900.00│ 10770200.00│ 7120100.00│
│手续费及佣金净收入 │ 2534800.00│ 1723000.00│ 902600.00│ 3277200.00│ 2568800.00│ 1690600.00│
│投资收益 │ 2370600.00│ 1599000.00│ 698200.00│ 2899900.00│ 2182700.00│ 1561900.00│
│公允价值变动收益 │ -47400.00│ 9900.00│ 70300.00│ 22300.00│ -213400.00│ -27000.00│
│汇兑收益 │ 3500.00│ -7900.00│ 45000.00│ 212600.00│ 167700.00│ 150300.00│
│营业支出 │ 9706400.00│ 6360400.00│ 3109300.00│ 12880100.00│ 9117900.00│ 5916200.00│
│营业税金及附加 │ 156900.00│ 107700.00│ 54300.00│ 216200.00│ 157600.00│ 111600.00│
│业务及管理费 │ 4228000.00│ 2785800.00│ 1390300.00│ 6715900.00│ 4475300.00│ 2846000.00│
│资产减值损失 │ -100.00│ -100.00│ ---│ 23300.00│ 13600.00│ 1600.00│
│营业利润 │ 6557700.00│ 4580400.00│ 2355600.00│ 8367400.00│ 6541900.00│ 4660000.00│
│营业外收入 │ 128300.00│ 120000.00│ 8000.00│ 61600.00│ 16900.00│ 7400.00│
│营业外支出 │ 16600.00│ 12500.00│ 9100.00│ 24700.00│ 11700.00│ 5200.00│
│利润总额 │ 6669400.00│ 4687900.00│ 2354500.00│ 8404300.00│ 6547100.00│ 4662200.00│
│所得税 │ 1053700.00│ 870000.00│ 305600.00│ 1255300.00│ 1120400.00│ 954800.00│
│净利润 │ 5615700.00│ 3817900.00│ 2048900.00│ 7149000.00│ 5426700.00│ 3707400.00│
│归属母公司净利润 │ 5529300.00│ 3760200.00│ 2009800.00│ 7061800.00│ 5339100.00│ 3647800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │104090000.00│105112000.00│ 83162600.00│104993100.00│ 96053100.00│ 66998900.00│
│经营活动现金流出 │ 73750500.00│ 60803800.00│101265800.00│105084900.00│ 76546500.00│ 74538300.00│
│经营活动现金流量净额│ 30339500.00│ 44308200.00│-18103200.00│ -91800.00│ 19506600.00│ -7539400.00│
│投资活动现金流入 │576174100.00│636669300.00│384948400.00│276913700.00│258139800.00│304599700.00│
│投资活动现金流出 │590241500.00│667477800.00│387901600.00│276725000.00│269727100.00│325278500.00│
│投资活动现金流量净额│-14067400.00│-30808500.00│ -2953200.00│ 188700.00│-11587300.00│-20678800.00│
│筹资活动现金流入 │100538200.00│164153500.00│158389000.00│109613900.00│ 85407600.00│ 94769800.00│
│筹资活动现金流出 │126813300.00│170132700.00│136308700.00│115924100.00│ 88661500.00│ 72778000.00│
│筹资活动现金流量净额│-26275100.00│ -5979200.00│ 22080300.00│ -6310200.00│ -3253900.00│ 21991800.00│
│汇率变动对现金的影响│ -554600.00│ -557200.00│ 353800.00│ 326400.00│ 839900.00│ -448400.00│
│现金及等价物净增加额│-10557600.00│ 6963300.00│ 1377700.00│ -5886900.00│ 5505300.00│ -6674800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │104090000.00│ 85879600.00│ 60435900.00│105112000.00│ 92556100.00│ 68805300.00│
│经营活动现金流出 │ 73750500.00│ 62780800.00│ 41617400.00│ 60803800.00│ 71512400.00│ 65940200.00│
│经营活动现金流量净额│ 30339500.00│ 23098800.00│ 18818500.00│ 44308200.00│ 21043700.00│ 2865100.00│
│投资活动现金流入 │576174100.00│401838500.00│187307800.00│636669300.00│467338700.00│300067300.00│
│投资活动现金流出 │590241500.00│407049700.00│199992100.00│667477800.00│494530100.00│317181200.00│
│投资活动现金流量净额│-14067400.00│ -5211200.00│-12684300.00│-30808500.00│-27191400.00│-17113900.00│
│筹资活动现金流入 │100538200.00│ 81695700.00│ 36490100.00│164153500.00│127586900.00│ 83437000.00│
│筹资活动现金流出 │126813300.00│ 94470600.00│ 48393400.00│170132700.00│125696700.00│ 69499600.00│
│筹资活动现金流量净额│-26275100.00│-12774900.00│-11903300.00│ -5979200.00│ 1890200.00│ 13937400.00│
│汇率变动对现金的影响│ -554600.00│ -416300.00│ -182800.00│ -557200.00│ -328300.00│ -300100.00│
│现金及等价物净增加额│-10557600.00│ 4696400.00│ -5951900.00│ 6963300.00│ -4585800.00│ -611500.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 5177000.00│ 24.37│ 1950900.00│ 27.63│
│二季报 │ 5399200.00│ 25.41│ 1696900.00│ 24.03│
│三季报 │ 5083600.00│ 23.93│ 1691300.00│ 23.95│
│四季报 │ 5587700.00│ 26.30│ 1722700.00│ 24.39│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 5377000.00│ 25.17│ 1919100.00│ 27.99│
│二季报 │ 5524900.00│ 25.86│ 1629900.00│ 23.77│
│三季报 │ 5319100.00│ 24.90│ 1633600.00│ 23.82│
│四季报 │ 5143600.00│ 24.08│ 1675000.00│ 24.43│
└──────┴───────┴───────┴───────┴───────┘
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