财务分析☆ ◇600016 民生银行 更新日期：2026-09-12◇ 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) │ 1953700.00│ 3056300.00│ 3229600.00│ 3582300.00│ 3526900.00│ 3438100.00│
│归母净利(调整后:万) │ ---│ ---│ 3229600.00│ 3582300.00│ 3526900.00│ 3438100.00│
│净利润增长率(%) │ -8.62│ -5.37│ -9.85│ 1.57│ 2.58│ 0.21│
│扣非净利润(万) │ 1963300.00│ 3092600.00│ 3227900.00│ 3570800.00│ 3509100.00│ 3449500.00│
│营业总收(未调整:万) │ 7516600.00│ 14286500.00│ 13629000.00│ 14081700.00│ 14247600.00│ 16880400.00│
│营业总收(调整后:万) │ ---│ ---│ 13629000.00│ 14081700.00│ 14247600.00│ 16880400.00│
│总营收同比增长率(%) │ 3.84│ 4.82│ -3.21│ -1.16│ -15.60│ -8.73│
│加权净资产收益率(%) │ 3.03│ 4.93│ 5.18│ 6.10│ 6.31│ 6.59│
│资产负债比率(%) │ 90.79│ 91.02│ 91.60│ 91.69│ 91.55│ 91.56│
│净利润现金含量(%) │ 942.66│ -515.25│ -717.23│ 205.67│ 471.44│ 452.04│
│基本每股收益(元) │ 0.4000│ 0.6300│ 0.6400│ 0.7200│ 0.7100│ 0.7100│
│每股收益-扣除(元) │ 0.4000│ 0.6400│ 0.6400│ 0.7200│ 0.7100│ 0.7100│
│每股收益-摊薄(元) │ 0.4462│ 0.6981│ 0.7377│ 0.8182│ 0.8056│ 0.7853│
│每股资本公积金(元) │ 1.3356│ 1.3280│ 1.3267│ 1.3281│ 1.3281│ 1.3281│
│每股未分配利润(元) │ 6.9795│ 6.6465│ 6.3412│ 6.2045│ 5.8900│ 5.5535│
│每股净资产(元) │ 13.2400│ 12.9000│ 12.5100│ 12.1000│ 11.5300│ 11.0600│
│每股经营现金流量(元)│ 4.2100│ -3.6000│ -5.2900│ 1.6800│ 3.8000│ 3.5500│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 1953700.00│ 1151400.00│ 3056300.00│ 2854200.00│ 2138000.00│ 1274200.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 2138000.00│ 1274200.00│
│净利润增长率(%) │ -8.62│ -9.64│ -5.37│ -6.38│ -4.87│ -5.13│
│扣非净利润(万) │ 1963300.00│ 1151900.00│ 3092600.00│ 2878300.00│ 2150700.00│ 1292700.00│
│营业总收(未调整:万) │ 7516600.00│ 3782200.00│ 14286500.00│ 10850900.00│ 7238400.00│ 3681300.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 7238400.00│ 3681300.00│
│总营收同比增长率(%) │ 3.84│ 2.74│ 4.82│ 6.74│ 7.83│ 7.41│
│加权净资产收益率(%) │ 3.03│ 2.02│ 4.93│ 4.61│ 3.57│ 2.31│
│资产负债比率(%) │ 90.79│ 90.90│ 91.02│ 91.10│ 90.96│ 91.44│
│净利润现金含量(%) │ 942.66│ -3.10│ -515.25│ 161.36│ -1024.52│ -921.79│
│基本每股收益(元) │ 0.4000│ 0.2600│ 0.6300│ 0.5900│ 0.4500│ 0.2900│
│每股收益-扣除(元) │ 0.4000│ 0.2631│ 0.6400│ 0.6574│ 0.4600│ 0.2953│
│每股收益-摊薄(元) │ 0.4462│ 0.2630│ 0.6981│ 0.6519│ 0.4883│ 0.2910│
│每股资本公积金(元) │ 1.3356│ 1.3283│ 1.3280│ 1.3280│ 1.3267│ 1.3268│
│每股未分配利润(元) │ 6.9795│ 6.9075│ 6.6465│ 6.7220│ 6.7300│ 6.6306│
│每股净资产(元) │ 13.2400│ 13.1446│ 12.9000│ 12.8300│ 12.8700│ 12.7300│
│每股经营现金流量(元)│ 4.2100│ -0.0100│ -3.6000│ 1.0500│ -5.0000│ -2.6800│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 90.79│ 91.02│ 91.60│ 91.69│ 91.55│ 91.56│
│产权比率 │ 10.04│ 10.34│ 11.14│ 11.27│ 11.07│ 11.09│
│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(%) │ 90.79│ 90.90│ 91.02│ 91.10│ 90.96│ 91.44│
│产权比率 │ 10.04│ 10.18│ 10.34│ 10.44│ 10.26│ 10.91│
│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 │ 1.56│ 2.87│ 2.65│ 2.77│ 2.91│ 3.31│
│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 │ 1.56│ 0.79│ 2.87│ 2.16│ 1.43│ 0.73│
│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 │ 2.77│ 4.43│ 5.02│ 5.74│ 5.88│ 5.99│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 27.65│ 22.99│ 25.20│ 26.69│ 26.26│ 21.41│
│销售净利率 │ 25.61│ 21.41│ 24.01│ 25.56│ 25.11│ 20.65│
│总资产净利率 │ 0.25│ 0.39│ 0.42│ 0.48│ 0.50│ 0.50│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 2.77│ 1.64│ 4.43│ 4.16│ 3.11│ 1.95│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 27.65│ 34.40│ 22.99│ 27.75│ 31.95│ 39.52│
│销售净利率 │ 25.61│ 30.38│ 21.41│ 26.30│ 29.67│ 34.72│
│总资产净利率 │ 0.25│ 0.15│ 0.39│ 0.36│ 0.28│ 0.16│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 3.84│ 4.82│ -3.21│ -1.16│ -15.60│ -8.73│
│营业利润增长率 │ -10.11│ -4.37│ -8.63│ 0.45│ 3.54│ -2.82│
│净利润增长率 │ -8.62│ -5.37│ -9.85│ 1.57│ 2.58│ 0.21│
│净资产增长率 │ 2.20│ 7.28│ 2.92│ 4.11│ 4.47│ 8.45│
│总资产增长率 │ -0.49│ 0.23│ 1.82│ 5.78│ 4.36│ 0.04│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 3.84│ 2.74│ 4.82│ 6.74│ 7.83│ 7.41│
│营业利润增长率 │ -10.11│ -10.56│ -4.37│ -6.05│ -1.35│ -4.52│
│净利润增长率 │ -8.62│ -9.64│ -5.37│ -6.38│ -4.87│ -5.13│
│净资产增长率 │ 2.20│ 1.57│ 7.28│ 6.85│ 7.11│ 1.46│
│总资产增长率 │ -0.49│ 0.20│ 0.23│ 0.74│ -0.59│ -0.40│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 8208.30亿│ 7849.43亿│ 7529.93亿│ 7554.16亿│ 7251.36亿│ 7337.03亿│
│核心一级资本净额(元)│ 5783.00亿│ 5635.54亿│ 5466.89亿│ 5338.52亿│ 5059.78亿│ 4865.52亿│
│风险加权资产(元) │ 61423.09亿│ 60110.48亿│ 58427.16亿│ 57500.72亿│ 55172.89亿│ 53794.58亿│
│存款总额(元) │ 43925.55亿│ 42772.38亿│ 42490.95亿│ 42830.03亿│ 39935.27亿│ 37757.61亿│
│贷款总额(元) │ 45099.97亿│ 44306.10亿│ 44504.80亿│ 43848.77亿│ 41411.44亿│ 40456.92亿│
│不良贷款(元) │ 663.23亿│ 661.54亿│ 656.10亿│ 650.97亿│ 693.87亿│ 723.38亿│
│存贷比例% │ 102.19│ 102.75│ 103.59│ 101.55│ 102.94│ 106.42│
│资本充足率% │ 13.36│ 13.06│ 12.89│ 13.14│ 13.14│ 13.64│
│核心一级资本充足率% │ 9.42│ 9.38│ 9.36│ 9.28│ 9.17│ 9.04│
│不良贷款率% │ 1.47│ 1.49│ 1.47│ 1.48│ 1.68│ 1.79│
│不良贷款拨备覆盖率% │ 142.19│ 142.04│ 141.94│ 149.69│ 142.49│ 145.30│
│净利差% │ 1.39│ 1.31│ 1.28│ 1.37│ 1.51│ 1.81│
│净息差% │ 1.47│ 1.40│ 1.39│ 1.46│ 1.60│ 1.91│
│成本收入比% │ 27.26│ 35.70│ 37.65│ 36.10│ 35.61│ 29.17│
│非利息收入占营业收入│ 30.04│ 29.92│ 27.59│ 27.26│ 24.57│ 25.49│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.93│ 3.12│ 3.55│ 3.80│ 3.91│ 4.21│
│计息负债平均成本率% │ 1.54│ 1.81│ 2.27│ 2.43│ 2.40│ 2.40│
│单一最大客户贷款比例│ 1.86│ 1.42│ 2.42│ 3.44│ 2.17│ 1.57│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 8.81│ 8.34│ 10.17│ 10.45│ 11.17│ 9.76│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 65.78│ 71.23│ 80.74│ 64.05│ ---│ ---│
│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) │ 8208.30亿│ 7828.49亿│ 7849.43亿│ 7797.31亿│ 7864.15亿│ 7538.94亿│
│核心一级资本净额(元)│ 5783.00亿│ 5738.14亿│ 5635.54亿│ 5605.76亿│ 5638.00亿│ 5546.05亿│
│风险加权资产(元) │ 61423.09亿│ ---│ 60110.48亿│ ---│ 59335.62亿│ ---│
│存款总额(元) │ 43925.55亿│ 43474.13亿│ 42772.38亿│ 42556.02亿│ 43110.02亿│ 43563.95亿│
│贷款总额(元) │ 45099.97亿│ 45269.87亿│ 44306.10亿│ 44367.59亿│ 44698.74亿│ 45204.67亿│
│不良贷款(元) │ 663.23亿│ 661.32亿│ 661.54亿│ 658.57亿│ 660.52亿│ 660.45亿│
│存贷比例% │ 102.19│ 103.51│ 102.75│ 103.43│ 102.89│ 102.78│
│资本充足率% │ 13.36│ 12.76│ 13.06│ 12.87│ 13.25│ 12.69│
│核心一级资本充足率% │ 9.42│ 9.35│ 9.38│ 9.25│ 9.50│ 9.34│
│不良贷款率% │ 1.47│ 1.46│ 1.49│ 1.48│ 1.48│ 1.46│
│不良贷款拨备覆盖率% │ 142.19│ 141.94│ 142.04│ 143.00│ 145.06│ 144.27│
│净利差% │ 1.39│ 1.35│ 1.31│ 1.32│ 1.30│ 1.30│
│净息差% │ 1.47│ 1.43│ 1.40│ 1.42│ 1.39│ 1.41│
│成本收入比% │ 27.26│ 25.92│ 35.70│ 31.70│ 28.54│ 27.46│
│非利息收入占营业收入│ 30.04│ ---│ 29.92│ ---│ 32.03│ ---│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.93│ ---│ 3.12│ ---│ 3.23│ ---│
│计息负债平均成本率% │ 1.54│ ---│ 1.81│ ---│ 1.93│ ---│
│单一最大客户贷款比例│ 1.86│ ---│ 1.42│ ---│ 1.56│ ---│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 8.81│ ---│ 8.34│ ---│ 8.73│ ---│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 65.78│ ---│ 71.23│ ---│ 71.41│ ---│
│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) │ 43221.75亿│ 42432.61亿│ 42645.00亿│ 42012.53亿│ 39520.37亿│ 38580.57亿│
│关注类(元) │ 1214.99亿│ 1211.95亿│ 1203.70亿│ 1185.27亿│ 1197.20亿│ 1152.97亿│
│次级类(元) │ 129.64亿│ 138.79亿│ 200.90亿│ 269.78亿│ 277.29亿│ 241.98亿│
│可疑类(元) │ 109.19亿│ 109.39亿│ 120.70亿│ 180.04亿│ 231.07亿│ 260.43亿│
│损失类(元) │ 424.40亿│ 413.36亿│ 334.50亿│ 201.15亿│ 185.51亿│ 220.97亿│
│贷款合计(元) │ 45099.97亿│ 44306.10亿│ 44504.80亿│ 43848.77亿│ 41411.44亿│ 40456.92亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.88│ 1.52│ 1.56│ 1.69│ 3.66│ 4.08│
│关注类贷款迁徙率% │ 29.51│ 27.82│ 28.93│ 29.74│ 19.38│ 25.38│
│次级类贷款迁徙率% │ 160.95│ 90.11│ 86.85│ 45.06│ 61.68│ 58.95│
│可疑类贷款迁徙率% │ 170.08│ 89.55│ 79.02│ 46.63│ 28.47│ 44.17│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2026-03-31│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 43221.75亿│ 43363.17亿│ 42432.61亿│ 42493.13亿│ 42819.92亿│ 43326.92亿│
│关注类(元) │ 1214.99亿│ 1245.38亿│ 1211.95亿│ 1215.89亿│ 1218.30亿│ 1217.30亿│
│次级类(元) │ 129.64亿│ 111.52亿│ 138.79亿│ 141.78亿│ 148.75亿│ 132.81亿│
│可疑类(元) │ 109.19亿│ 101.65亿│ 109.39亿│ 146.30亿│ 142.80亿│ 149.78亿│
│损失类(元) │ 424.40亿│ 448.15亿│ 413.36亿│ 370.49亿│ 368.97亿│ 377.86亿│
│贷款合计(元) │ 45099.97亿│ 45269.87亿│ 44306.10亿│ 44367.59亿│ 44698.74亿│ 45204.67亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.88│ ---│ 1.52│ ---│ 1.69│ ---│
│关注类贷款迁徙率% │ 29.51│ ---│ 27.82│ ---│ 34.95│ ---│
│次级类贷款迁徙率% │ 160.95│ ---│ 90.11│ ---│ 171.38│ ---│
│可疑类贷款迁徙率% │ 170.08│ ---│ 89.55│ ---│ 135.74│ ---│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%)│
├──────┼────────┼──────┼────────┼──────┤
│营业收入 │--- │ 7516600.00│ 7238400.00│ 3.84│
│利息净收入 │--- │ 5258400.00│ 4920300.00│ 6.87│
│非利息净收入│--- │ 2258200.00│ 2318100.00│ -2.58│
│营业支出 │--- │ 5438000.00│ 4926000.00│ 10.39│
│业务及管理费│--- │ 2049000.00│ 2065700.00│ -0.81│
│税金及附加 │--- │ 86700.00│ 86500.00│ 0.23│
│信用减值损失│--- │ 3145700.00│ 2603900.00│ 20.81│
│其他资产减值│--- │ 26100.00│ 34600.00│ -24.57│
│损失 │ │ │ │ │
│其他业务成本│--- │ 130500.00│ 135300.00│ -3.55│
│营业利润 │--- │ 2078600.00│ 2312400.00│ -10.11│
│营业外收支净│--- │ -16600.00│ -33000.00│ 49.70│
│额 │ │ │ │ │
│利润总额 │--- │ 2062000.00│ 2279400.00│ -9.54│
│所得税费用 │--- │ 136700.00│ 131800.00│ 3.72│
│净利润 │--- │ 1925300.00│ 2147600.00│ -10.35│
│归属于本行股│--- │ 1953700.00│ 2138000.00│ -8.62│
│东的净利润 │ │ │ │ │
│归属于少数股│子公司相关净利润│ -28400.00│ 9600.00│ -395.83│
│东损益 │的减少 │ │ │ │
│手续费及佣金│手续费相关支出的│ 203900.00│ 154000.00│ 32.40│
│支出 │增加 │ │ │ │
│投资收益 │--- │ 549000.00│ 923400.00│ -40.55│
│公允价值变动│市场价格及汇率波│ 588600.00│ 162500.00│ 262.22│
│收益 │动的影响 │ │ │ │
│汇兑收益 │--- │ -35100.00│ 22700.00│ -254.63│
│其他收益 │子公司其他收益的│ 5100.00│ 37800.00│ -86.51│
│ │减少 │ │ │ │
│营业外收入 │--- │ 2100.00│ 700.00│ 200.00│
│营业外支出 │营业外相关收支的│ 18700.00│ 33700.00│ -44.51│
│ │变动 │ │ │ │
│发放贷款和垫│本集团围绕“五篇│450999700.00│ 443061000.00│ 1.79│
│款总额 │大文章”，持续发│ │ │ │
│ │力国家重点支持领│ │ │ │
│ │域，加大信贷投放│ │ │ │
│ │，调优业务结构 │ │ │ │
│贷款应计利息│--- │ 3791700.00│ 3691600.00│ 2.71│
│以摊余成本计│--- │ 9355700.00│ 9329500.00│ 0.28│
│量的贷款减值│ │ │ │ │
│准备 │ │ │ │ │
│发放贷款和垫│--- │445435700.00│ 437423100.00│ 1.83│
│款净额 │ │ │ │ │
│金融投资净额│--- │237491400.00│ 242432900.00│ -2.04│
│存拆放同业及│--- │ 28942400.00│ 40875200.00│ -29.19│
│其他金融机构│ │ │ │ │
│款项和买入返│ │ │ │ │
│售金融资产 │ │ │ │ │
│现金及存放中│--- │ 26210000.00│ 25475400.00│ 2.88│
│央银行款项 │ │ │ │ │
│长期应收款 │--- │ 9081200.00│ 9806600.00│ -7.40│
│固定资产 │--- │ 4793600.00│ 4833900.00│ -0.83│
│资产总额 │--- │779453100.00│ 783256700.00│ -0.49│
│吸收存款 │--- │445038700.00│ 434779900.00│ 2.36│
│吸收存款总额│--- │439255500.00│ 427723800.00│ 2.70│
│（不含应计利│ │ │ │ │
│息） │ │ │ │ │
│同业及其他金│--- │122800700.00│ 123253300.00│ -0.37│
│融机构存拆入│ │ │ │ │
│款项和卖出回│ │ │ │ │
│购金融资产款│ │ │ │ │
│应付债券 │--- │ 79005800.00│ 101200800.00│ -21.93│
│向中央银行及│优化负债结构，在│ 37557700.00│ 34096700.00│ 10.15│
│其他金融机构│各项存款增长的基│ │ │ │
│借款 │础上，减少同业存│ │ │ │
│ │单规模 │ │ │ │
│负债总额 │--- │707698200.00│ 712937000.00│ -0.73│
│经营活动产生│吸收存款和同业及│ 18416800.00│ -21904300.00│ 184.08│
│的现金流量净│其他金融机构存放│ │ │ │
│额 │款项的现金流量由│ │ │ │
│ │净流出转为净流入│ │ │ │
│发放贷款和垫│--- │-10773400.00│ -3924900.00│ -174.49│
│款现金流量净│ │ │ │ │
│额 │ │ │ │ │
│吸收存款和同│--- │ 20096600.00│ -19794600.00│ 201.53│
│业及其他金融│ │ │ │ │
│机构存放款项│ │ │ │ │
│现金流量净额│ │ │ │ │
│投资活动产生│投资支付的现金增│ 3543300.00│ 10751700.00│ -67.04│
│的现金流量净│加 │ │ │ │
│额 │ │ │ │ │
│收回投资收到│--- │190023100.00│ 155962100.00│ 21.84│
│的现金 │ │ │ │ │
│投资支付的现│--- │-189721400.0│ -149154500.00│ -27.20│
│金 │ │ 0│ │ │
│筹资活动产生│发行债券收到的现│-24214100.00│ 12519000.00│ -293.42│
│的现金流量净│金减少 │ │ │ │
│额 │ │ │ │ │
│发行债券收到│--- │ 40362000.00│ 71553100.00│ -43.59│
│的现金 │ │ │ │ │
│偿还债务支付│--- │-62889600.00│ -61550700.00│ -2.18│
│的现金 │ │ │ │ │
│贵金属 │贵金属规模及价格│ 10788600.00│ 6931100.00│ 55.65│
│ │的变动 │ │ │ │
│买入返售金融│买入返售债券规模│ 244700.00│ 5147300.00│ -95.25│
│资产 │的减少 │ │ │ │
│以公允价值计│交易性贵金属的增│ 12084700.00│ 7092600.00│ 70.38│
│量且其变动计│加 │ │ │ │
│入当期损益的│ │ │ │ │
│金融负债 │ │ │ │ │
│卖出回购金融│卖出回购债券规模│ 18058300.00│ 26079400.00│ -30.76│
│资产款 │的减少 │ │ │ │
│递延所得税负│子公司递延所得税│ 1400.00│ 23800.00│ -94.12│
│债 │负债的减少 │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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│吸收存款和同业及│ -35700.00│ -11745500.00│ 99.70│
│的现金流量净│其他金融 │ │ │ │
│额 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
【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│ 26210000.00│ 25475400.00│ 28544900.00│ 39036700.00│ 33855200.00│ 36130200.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 9790500.00│ 12608400.00│ 11773100.00│ 12967800.00│ 8870500.00│ 9254600.00│
│发放贷款及垫款 │445435700.00│437423100.00│439603600.00│432390800.00│407298200.00│396767900.00│
│拆出资金 │ 18907200.00│ 23119500.00│ 18645600.00│ 17277800.00│ 18243400.00│ 15876800.00│
│贵金属 │ 10788600.00│ 6931100.00│ 3113600.00│ 2828500.00│ 2516700.00│ 1318900.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ ---│ ---│ ---│ ---│136358900.00│129822000.00│
│其他债权投资 │ ---│ ---│ ---│ ---│ 46261900.00│ 43552900.00│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ 1059200.00│ ---│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ 200.00│
│固定资产 │ 4793600.00│ 4833900.00│ 5131600.00│ 5172600.00│ 4981300.00│ 5219100.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │779453100.00│783256700.00│781496900.00│767496500.00│725567300.00│695278600.00│
│向中央银行借款 │ 25053200.00│ 22856000.00│ 26110800.00│ 32645400.00│ 14480100.00│ 27978700.00│
│同业及其他金融机构存│ 96030000.00│ 87450700.00│ 99084100.00│113662200.00│138280700.00│123033400.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 8712400.00│ 9723200.00│ 8286500.00│ 10543700.00│ 9623400.00│ 6402400.00│
│吸收存款 │445038700.00│434779900.00│433268100.00│435328100.00│405159200.00│382569300.00│
│卖出回购金融资产款 │ 18058300.00│ 26079400.00│ 24812400.00│ 19113300.00│ 10414000.00│ 3648500.00│
│负债合计 │707698200.00│712937000.00│715840100.00│703716400.00│664285900.00│636624700.00│
│实收资本(或股本) │ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│
│资本公积 │ 5847400.00│ 5814100.00│ 5808700.00│ 5814900.00│ 5814900.00│ 5814900.00│
│盈余公积 │ 6482900.00│ 6482900.00│ 6188800.00│ 5880500.00│ 5527600.00│ 5184300.00│
│未分配利润 │ 30557700.00│ 29099800.00│ 27763100.00│ 27164500.00│ 25787700.00│ 24314400.00│
│归属于母公司所有者权│ 70480000.00│ 68963700.00│ 64285900.00│ 62460200.00│ 59992800.00│ 57428000.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1274900.00│ 1356000.00│ 1370900.00│ 1319900.00│ 1288600.00│ 1225900.00│
│股东权益合计 │ 71754900.00│ 70319700.00│ 65656800.00│ 63780100.00│ 61281400.00│ 58653900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 26210000.00│ 27364900.00│ 25475400.00│ 25632100.00│ 28518300.00│ 28055000.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 9790500.00│ 9056000.00│ 12608400.00│ 17542200.00│ 14487900.00│ 10528800.00│
│发放贷款及垫款 │445435700.00│447191100.00│437423100.00│437986000.00│441376500.00│446442900.00│
│拆出资金 │ 18907200.00│ 20119000.00│ 23119500.00│ 19874900.00│ 16292800.00│ 16566000.00│
│贵金属 │ 10788600.00│ 11707400.00│ 6931100.00│ 6460900.00│ 7154000.00│ 3580200.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │ ---│128532600.00│ ---│141455600.00│ ---│ ---│
│其他债权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│其他权益工具投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│长期股权投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│固定资产 │ 4793600.00│ 4771600.00│ 4833900.00│ 4895800.00│ 4957200.00│ 4995800.00│
│商誉 │ ---│ ---│ ---│ ---│ ---│ ---│
│资产总计 │779453100.00│784789700.00│783256700.00│787286400.00│776892100.00│778342000.00│
│向中央银行借款 │ 25053200.00│ 26072000.00│ 22856000.00│ 25288900.00│ 25048800.00│ 22372200.00│
│同业及其他金融机构存│ 96030000.00│ 92620700.00│ 87450700.00│ 96254800.00│ 72961600.00│ 82955400.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 8712400.00│ 7970100.00│ 9723200.00│ 13963900.00│ 7443800.00│ 8483200.00│
│吸收存款 │445038700.00│441109200.00│434779900.00│432559300.00│438208700.00│443644300.00│
│卖出回购金融资产款 │ 18058300.00│ 21741400.00│ 26079400.00│ 33513700.00│ 25245200.00│ 30386200.00│
│负债合计 │707698200.00│713394500.00│712937000.00│717231600.00│706660900.00│711749200.00│
│实收资本(或股本) │ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│ 4378200.00│
│资本公积 │ 5847400.00│ 5815700.00│ 5814100.00│ 5814100.00│ 5808700.00│ 5808900.00│
│盈余公积 │ 6482900.00│ 6482900.00│ 6482900.00│ 6188800.00│ 6188800.00│ 6188800.00│
│未分配利润 │ 30557700.00│ 30242500.00│ 29099800.00│ 29430400.00│ 29465300.00│ 29030300.00│
│归属于母公司所有者权│ 70480000.00│ 70049600.00│ 68963700.00│ 68692200.00│ 68854400.00│ 65221400.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 1274900.00│ 1345600.00│ 1356000.00│ 1362600.00│ 1376800.00│ 1371400.00│
│股东权益合计 │ 71754900.00│ 71395200.00│ 70319700.00│ 70054800.00│ 70231200.00│ 66592800.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 7516600.00│ 14286500.00│ 13629000.00│ 14081700.00│ 14247600.00│ 16880400.00│
│利息净收入 │ 5258400.00│ 10012600.00│ 9869000.00│ 10243100.00│ 10746300.00│ 12577500.00│
│手续费及佣金净收入 │ 980900.00│ 1832100.00│ 1824500.00│ 1923600.00│ 2027400.00│ 2756600.00│
│投资收益 │ 549000.00│ 1534500.00│ 1545600.00│ 1613400.00│ 1490800.00│ 1146700.00│
│公允价值变动收益 │ 588600.00│ 335600.00│ -135300.00│ -272600.00│ -808900.00│ -147200.00│
│汇兑收益 │ -35100.00│ 77800.00│ -53000.00│ -13100.00│ 222800.00│ 46100.00│
│营业支出 │ 5438000.00│ 11002200.00│ 10194600.00│ 10323000.00│ 10505600.00│ 13266200.00│
│营业税金及附加 │ 86700.00│ 170100.00│ 178000.00│ 197300.00│ 187300.00│ 194900.00│
│业务及管理费 │ 2049000.00│ 5100600.00│ 5131800.00│ 5083400.00│ 5072900.00│ 4923200.00│
│资产减值损失 │ 26100.00│ 76100.00│ 46600.00│ 151900.00│ 68500.00│ 137500.00│
│营业利润 │ 2078600.00│ 3284300.00│ 3434400.00│ 3758700.00│ 3742000.00│ 3614200.00│
│营业外收入 │ 2100.00│ 3700.00│ 7800.00│ 20600.00│ 18100.00│ 11500.00│
│营业外支出 │ 18700.00│ 62100.00│ 33700.00│ 43500.00│ 43100.00│ 65700.00│
│利润总额 │ 2062000.00│ 3225900.00│ 3408500.00│ 3735800.00│ 3717000.00│ 3560000.00│
│所得税 │ 136700.00│ 167700.00│ 136300.00│ 137200.00│ 139300.00│ 74700.00│
│净利润 │ 1925300.00│ 3058200.00│ 3272200.00│ 3598600.00│ 3577700.00│ 3485300.00│
│归属母公司净利润 │ 1953700.00│ 3056300.00│ 3229600.00│ 3582300.00│ 3526900.00│ 3438100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 7516600.00│ 3782200.00│ 14286500.00│ 10850900.00│ 7238400.00│ 3681300.00│
│利息净收入 │ 5258400.00│ 2557100.00│ 10012600.00│ 7551000.00│ 4920300.00│ 2486600.00│
│手续费及佣金净收入 │ 980900.00│ 521700.00│ 1832100.00│ 1438800.00│ 968500.00│ 492700.00│
│投资收益 │ 549000.00│ 87900.00│ 1534500.00│ 1454500.00│ 923400.00│ 940400.00│
│公允价值变动收益 │ 588600.00│ 555200.00│ 335600.00│ 8800.00│ 162500.00│ -377800.00│
│汇兑收益 │ -35100.00│ -32000.00│ 77800.00│ 55200.00│ 22700.00│ 22300.00│
│营业支出 │ 5438000.00│ 2481000.00│ 11002200.00│ 7839600.00│ 4926000.00│ 2226500.00│
│营业税金及附加 │ 86700.00│ 39500.00│ 170100.00│ 125900.00│ 86500.00│ 42300.00│
│业务及管理费 │ 2049000.00│ 980400.00│ 5100600.00│ 3439700.00│ 2065700.00│ 1011000.00│
│资产减值损失 │ 26100.00│ 4100.00│ 76100.00│ 62700.00│ 34600.00│ 18100.00│
│营业利润 │ 2078600.00│ 1301200.00│ 3284300.00│ 3011300.00│ 2312400.00│ 1454800.00│
│营业外收入 │ 2100.00│ 1500.00│ 3700.00│ 1700.00│ 700.00│ 500.00│
│营业外支出 │ 18700.00│ 6300.00│ 62100.00│ 36800.00│ 33700.00│ 30700.00│
│利润总额 │ 2062000.00│ 1296400.00│ 3225900.00│ 2976200.00│ 2279400.00│ 1424600.00│
│所得税 │ 136700.00│ 147300.00│ 167700.00│ 122300.00│ 131800.00│ 146400.00│
│净利润 │ 1925300.00│ 1149100.00│ 3058200.00│ 2853900.00│ 2147600.00│ 1278200.00│
│归属母公司净利润 │ 1953700.00│ 1151400.00│ 3056300.00│ 2854200.00│ 2138000.00│ 1274200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 52377700.00│ 30997800.00│ 40001000.00│ 64374400.00│ 73063800.00│ 75417900.00│
│经营活动现金流出 │ 33960900.00│ 46745400.00│ 63164800.00│ 57006800.00│ 56436500.00│ 59876200.00│
│经营活动现金流量净额│ 18416800.00│-15747600.00│-23163800.00│ 7367600.00│ 16627300.00│ 15541700.00│
│投资活动现金流入 │193831600.00│346947500.00│167040200.00│143962700.00│103819000.00│135592300.00│
│投资活动现金流出 │190288300.00│340156100.00│171322300.00│139786300.00│115051700.00│123801500.00│
│投资活动现金流量净额│ 3543300.00│ 6791400.00│ -4282100.00│ 4176400.00│-11232700.00│ 11790800.00│
│筹资活动现金流入 │ 40362000.00│180431400.00│142381800.00│102148200.00│ 84197000.00│ 79670900.00│
│筹资活动现金流出 │ 64576100.00│173789100.00│120195800.00│102874200.00│ 93817500.00│106342900.00│
│筹资活动现金流量净额│-24214100.00│ 6642300.00│ 22186000.00│ -726000.00│ -9620500.00│-26672000.00│
│汇率变动对现金的影响│ -164700.00│ -96500.00│ 25300.00│ 85100.00│ 714600.00│ -110600.00│
│现金及等价物净增加额│ -2418700.00│ -2410400.00│ -5234600.00│ 10903100.00│ -3511300.00│ 549900.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 52377700.00│ 29302800.00│ 30997800.00│ 34742200.00│ 21198200.00│ 17821300.00│
│经营活动现金流出 │ 33960900.00│ 29338500.00│ 46745400.00│ 30136700.00│ 43102500.00│ 29566800.00│
│经营活动现金流量净额│ 18416800.00│ -35700.00│-15747600.00│ 4605500.00│-21904300.00│-11745500.00│
│投资活动现金流入 │193831600.00│ 97605400.00│346947500.00│253187800.00│160070400.00│ 41825400.00│
│投资活动现金流出 │190288300.00│ 85954200.00│340156100.00│246067800.00│149318700.00│ 30625100.00│
│投资活动现金流量净额│ 3543300.00│ 11651200.00│ 6791400.00│ 7120000.00│ 10751700.00│ 11200300.00│
│筹资活动现金流入 │ 40362000.00│ 20268100.00│180431400.00│102368900.00│ 74553100.00│ 19255200.00│
│筹资活动现金流出 │ 64576100.00│ 32557200.00│173789100.00│108973800.00│ 62034100.00│ 18448900.00│
│筹资活动现金流量净额│-24214100.00│-12289100.00│ 6642300.00│ -6604900.00│ 12519000.00│ 806300.00│
│汇率变动对现金的影响│ -164700.00│ -85400.00│ -96500.00│ -31500.00│ 11200.00│ 3500.00│
│现金及等价物净增加额│ -2418700.00│ -759000.00│ -2410400.00│ 5089100.00│ 1377600.00│ 264600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 3681300.00│ 25.77│ 1274200.00│ 41.69│
│二季报 │ 3557100.00│ 24.90│ 863800.00│ 28.26│
│三季报 │ 3612500.00│ 25.29│ 716200.00│ 23.43│
│四季报 │ 3435600.00│ 24.05│ 202100.00│ 6.61│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 3427300.00│ 25.15│ 1343100.00│ 41.59│
│二季报 │ 3285400.00│ 24.11│ 904300.00│ 28.00│
│三季报 │ 3453300.00│ 25.34│ 801200.00│ 24.81│
│四季报 │ 3463000.00│ 25.41│ 181000.00│ 5.60│
└──────┴───────┴───────┴───────┴───────┘
〖免责条款〗
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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。
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