财务分析☆ ◇600036 招商银行 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) │ 7644500.00│ 15018100.00│ 14839100.00│ 14660200.00│ 13801200.00│ 11992200.00│
│归母净利(调整后:万) │ ---│ ---│ 14839100.00│ 14660200.00│ 13801200.00│ 11992200.00│
│净利润增长率(%) │ 2.02│ 1.21│ 1.22│ 6.22│ 15.08│ 23.20│
│扣非净利润(万) │ 7633900.00│ 15000700.00│ 14801100.00│ 14604700.00│ 13755100.00│ 11943000.00│
│营业总收(未调整:万) │ 17818100.00│ 33753200.00│ 33748800.00│ 33912300.00│ 34478300.00│ 33125300.00│
│营业总收(调整后:万) │ ---│ ---│ 33748800.00│ 33912300.00│ 34478300.00│ 33125300.00│
│总营收同比增长率(%) │ 4.83│ 0.01│ -0.48│ -1.64│ 4.08│ 14.04│
│加权净资产收益率(%) │ 6.71│ 13.44│ 14.49│ 16.22│ 17.06│ 16.96│
│资产负债比率(%) │ 90.18│ 90.20│ 89.85│ 90.16│ 90.59│ 90.64│
│净利润现金含量(%) │ 398.47│ 300.61│ 301.25│ 244.03│ 413.11│ 151.81│
│基本每股收益(元) │ 2.9800│ 5.7000│ 5.6600│ 5.6300│ 5.2600│ 4.6100│
│每股收益-扣除(元) │ 2.9800│ 5.7000│ 5.6500│ 5.6100│ 5.2500│ 4.5900│
│每股收益-摊薄(元) │ 3.0311│ 5.9548│ 5.8839│ 5.8129│ 5.4723│ 4.7550│
│每股资本公积金(元) │ 2.5920│ 2.5935│ 2.5943│ 2.5944│ 2.5946│ 2.6774│
│每股未分配利润(元) │ 28.9133│ 26.9551│ 25.1419│ 22.5366│ 19.5468│ 16.9941│
│每股净资产(元) │ 45.4000│ 43.4345│ 41.4600│ 36.7100│ 32.7100│ 29.0100│
│每股经营现金流量(元)│ 12.0800│ 17.9000│ 17.7200│ 14.1900│ 22.6100│ 7.2200│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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) │ 7644500.00│ 3785200.00│ 15018100.00│ 11377200.00│ 7493000.00│ 3728600.00│
│归母净利(调整后:万) │ ---│ ---│ ---│ ---│ 7493000.00│ 3728600.00│
│净利润增长率(%) │ 2.02│ 1.52│ 1.21│ 0.52│ 0.25│ -2.08│
│扣非净利润(万) │ 7633900.00│ 3779500.00│ 15000700.00│ 11369000.00│ 7481900.00│ 3713600.00│
│营业总收(未调整:万) │ 17818100.00│ 8694000.00│ 33753200.00│ 25142000.00│ 16996900.00│ 8375100.00│
│营业总收(调整后:万) │ ---│ ---│ ---│ ---│ 16996900.00│ 8375100.00│
│总营收同比增长率(%) │ 4.83│ 3.81│ 0.01│ -0.51│ -1.72│ -3.09│
│加权净资产收益率(%) │ 6.71│ 3.37│ 13.44│ 10.47│ 6.93│ 3.53│
│资产负债比率(%) │ 90.18│ 90.43│ 90.20│ 89.92│ 89.75│ 89.99│
│净利润现金含量(%) │ 398.47│ 332.48│ 300.61│ 154.81│ 179.45│ 254.86│
│基本每股收益(元) │ 2.9800│ 1.4900│ 5.7000│ 4.4300│ 2.8900│ 1.4800│
│每股收益-扣除(元) │ 2.9800│ 1.4986│ 5.7000│ 4.5079│ 2.8900│ 1.4725│
│每股收益-摊薄(元) │ 3.0311│ 1.5009│ 5.9548│ 4.5112│ 2.9711│ 1.4784│
│每股资本公积金(元) │ 2.5920│ 2.5923│ 2.5935│ 2.5935│ 2.5940│ 2.5943│
│每股未分配利润(元) │ 28.9133│ 28.4327│ 26.9551│ 27.5549│ 26.0217│ 26.6135│
│每股净资产(元) │ 45.4000│ 44.9000│ 43.4345│ 43.2100│ 42.1000│ 42.2600│
│每股经营现金流量(元)│ 12.0800│ 4.9900│ 17.9000│ 6.9839│ 5.3300│ 3.7679│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%) │ 90.18│ 90.20│ 89.85│ 90.16│ 90.59│ 90.64│
│产权比率 │ 9.24│ 9.26│ 8.91│ 9.24│ 9.71│ 9.76│
│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(%) │ 90.18│ 90.43│ 90.20│ 89.92│ 89.75│ 89.99│
│产权比率 │ 9.24│ 9.51│ 9.26│ 8.97│ 8.81│ 9.05│
│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 │ 1.33│ 2.65│ 2.88│ 3.30│ 4.04│ 4.50│
│总资产周转率 │ 0.01│ 0.03│ 0.03│ 0.03│ 0.04│ 0.04│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 1.33│ 0.67│ 2.65│ 2.06│ 1.40│ 0.68│
│总资产周转率 │ 0.01│ 0.01│ 0.03│ 0.02│ 0.01│ 0.01│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 5.68│ 11.80│ 12.10│ 13.62│ 14.60│ 13.96│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 50.95│ 53.11│ 53.04│ 52.09│ 47.90│ 44.68│
│销售净利率 │ 43.17│ 44.77│ 44.32│ 43.64│ 40.40│ 36.48│
│总资产净利率 │ 0.57│ 1.20│ 1.29│ 1.40│ 1.44│ 1.37│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 5.68│ 2.95│ 11.80│ 8.98│ 5.81│ 2.99│
│销售毛利率 │ ---│ ---│ ---│ ---│ ---│ ---│
│营业利润率 │ 50.95│ 51.37│ 53.11│ 53.79│ 52.33│ 52.85│
│销售净利率 │ 43.17│ 43.76│ 44.77│ 45.56│ 44.36│ 44.79│
│总资产净利率 │ 0.57│ 0.29│ 1.20│ 0.92│ 0.61│ 0.30│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 4.83│ 0.01│ -0.48│ -1.64│ 4.08│ 14.04│
│营业利润增长率 │ 2.06│ 0.13│ 1.33│ 6.97│ 11.58│ 20.69│
│净利润增长率 │ 2.02│ 1.21│ 1.22│ 6.22│ 15.08│ 23.20│
│净资产增长率 │ 5.67│ 3.82│ 13.90│ 13.84│ 10.10│ 18.65│
│总资产增长率 │ 5.47│ 7.56│ 10.19│ 8.77│ 9.62│ 10.62│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 4.83│ 3.81│ 0.01│ -0.51│ -1.72│ -3.09│
│营业利润增长率 │ 2.06│ 0.91│ 0.13│ 0.78│ -0.79│ -2.04│
│净利润增长率 │ 2.02│ 1.52│ 1.21│ 0.52│ 0.25│ -2.08│
│净资产增长率 │ 5.67│ 0.74│ 3.82│ 3.37│ 5.16│ 1.65│
│总资产增长率 │ 5.47│ 3.17│ 7.56│ 4.05│ 4.16│ 3.11│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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) │ 14529.92亿│ 13750.31亿│ 13117.42亿│ 11814.87亿│ 10379.42亿│ 9726.06亿│
│核心一级资本净额(元)│ 11152.73亿│ 10675.60亿│ 10230.48亿│ 9073.08亿│ 7993.52亿│ 7043.37亿│
│风险加权资产(元) │ 79289.39亿│ 75402.02亿│ 68857.83亿│ 59195.04亿│ 54910.72亿│ 50375.00亿│
│存款总额(元) │ 101624.98亿│ 98361.30亿│ 90965.87亿│ 81554.38亿│ 75357.42亿│ 63470.78亿│
│贷款总额(元) │ 74530.33亿│ 72580.58亿│ 68883.15亿│ 65088.65亿│ 60514.59亿│ 55700.34亿│
│不良贷款(元) │ 702.51亿│ 682.06亿│ 656.10亿│ 615.79亿│ 580.04亿│ 508.62亿│
│存贷比例% │ 72.88│ 73.23│ 75.03│ 79.13│ 79.87│ 87.40│
│资本充足率% │ 18.33│ 18.24│ 19.05│ 17.88│ 17.77│ 17.48│
│核心一级资本充足率% │ 14.07│ 14.16│ 14.86│ 13.73│ 13.68│ 12.66│
│不良贷款率% │ 0.94│ 0.94│ 0.95│ 0.95│ 0.96│ 0.91│
│不良贷款拨备覆盖率% │ 385.10│ 391.79│ 411.98│ 437.70│ 450.79│ 483.87│
│净利差% │ 1.77│ 1.78│ 1.86│ 2.03│ 2.28│ 2.39│
│净息差% │ 1.83│ 1.87│ 1.98│ 2.15│ 2.40│ 2.48│
│成本收入比% │ 29.70│ 31.98│ 31.89│ 32.96│ 32.88│ 33.12│
│非利息收入占营业收入│ 37.13│ 36.13│ 37.40│ 36.70│ 36.70│ 38.44│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.82│ 3.04│ 3.50│ 3.76│ 3.89│ 3.98│
│计息负债平均成本率% │ 1.05│ 1.26│ 1.64│ 1.73│ 1.61│ 1.59│
│单一最大客户贷款比例│ 2.14│ 2.24│ 2.06│ 2.10│ 2.24│ 2.26│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 13.93│ 14.19│ 12.16│ 12.33│ 14.45│ 14.48│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 62.36│ 60.62│ 59.66│ 56.24│ 51.94│ 48.33│
│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) │ 14529.92亿│ 13872.59亿│ 13750.31亿│ 13436.60亿│ 13745.34亿│ 13371.00亿│
│核心一级资本净额(元)│ 11152.73亿│ 11036.96亿│ 10675.60亿│ 10638.36亿│ 10365.91亿│ 10422.52亿│
│风险加权资产(元) │ 79289.39亿│ 78124.25亿│ 75402.02亿│ 76386.96亿│ 74047.03亿│ 70156.86亿│
│存款总额(元) │ 101624.98亿│ 99591.97亿│ 98361.30亿│ 95186.97亿│ 94223.79亿│ 93194.62亿│
│贷款总额(元) │ 74530.33亿│ 74643.73亿│ 72580.58亿│ 71362.85亿│ 71166.16亿│ 71254.79亿│
│不良贷款(元) │ 702.51亿│ 698.58亿│ 682.06亿│ 674.25亿│ 663.70亿│ 667.43亿│
│存贷比例% │ 72.88│ 74.33│ 73.23│ 74.27│ 74.94│ 75.75│
│资本充足率% │ 18.33│ 17.76│ 18.24│ 17.59│ 18.56│ 19.06│
│核心一级资本充足率% │ 14.07│ 14.13│ 14.16│ 13.93│ 14.00│ 14.86│
│不良贷款率% │ 0.94│ 0.94│ 0.94│ 0.94│ 0.93│ 0.94│
│不良贷款拨备覆盖率% │ 385.10│ 387.76│ 391.79│ 405.93│ 410.93│ 410.03│
│净利差% │ 1.77│ 1.77│ 1.78│ 1.77│ 1.79│ 1.82│
│净息差% │ 1.83│ 1.83│ 1.87│ 1.87│ 1.88│ 1.91│
│成本收入比% │ 29.70│ 28.47│ 31.98│ 29.85│ 30.11│ 28.64│
│非利息收入占营业收入│ 37.13│ 36.00│ 36.13│ 36.34│ 37.59│ 36.72│
│比% │ │ │ │ │ │ │
│生息资产平均收益率% │ 2.82│ 2.84│ 3.04│ 3.08│ 3.14│ 3.21│
│计息负债平均成本率% │ 1.05│ 1.07│ 1.26│ 1.31│ 1.35│ 1.39│
│单一最大客户贷款比例│ 2.14│ ---│ 2.24│ ---│ 2.02│ ---│
│% │ │ │ │ │ │ │
│最大十家客户贷款比例│ 13.93│ ---│ 14.19│ ---│ 12.85│ ---│
│% │ │ │ │ │ │ │
│短期资产流动性比例( │ 62.36│ ---│ 60.62│ ---│ 59.25│ ---│
│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) │ 72686.88亿│ 70859.92亿│ 67336.25亿│ 63759.58亿│ 59199.85亿│ 54725.63亿│
│关注类(元) │ 1140.94亿│ 1038.60亿│ 890.80亿│ 713.28亿│ 734.70亿│ 466.09亿│
│次级类(元) │ 171.63亿│ 162.52亿│ 168.72亿│ 165.76亿│ 227.70亿│ 174.90亿│
│可疑类(元) │ 201.92亿│ 196.89亿│ 230.54亿│ 215.54亿│ 237.37亿│ 207.55亿│
│损失类(元) │ 328.96亿│ 322.65亿│ 256.84亿│ 234.49亿│ 114.97亿│ 126.17亿│
│贷款合计(元) │ 74530.33亿│ 72580.58亿│ 68883.15亿│ 65088.65亿│ 60514.59亿│ 55700.34亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.62│ 1.35│ 1.39│ 1.21│ 1.53│ 1.53│
│关注类贷款迁徙率% │ 39.94│ 28.66│ 35.06│ 34.95│ 27.25│ 24.11│
│次级类贷款迁徙率% │ 135.05│ 72.51│ 79.04│ 74.09│ 29.60│ 47.50│
│可疑类贷款迁徙率% │ 101.13│ 75.21│ 60.93│ 55.33│ 19.72│ 34.10│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│财务指标 │ 2026-06-30│ 2025-12-31│ 2025-09-30│ 2025-06-30│ 2025-03-31│ 2024-12-31│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类(元) │ 72686.88亿│ 70859.92亿│ ---│ 69487.79亿│ ---│ 67336.25亿│
│关注类(元) │ 1140.94亿│ 1038.60亿│ 1018.47亿│ 1014.67亿│ 971.95亿│ 890.80亿│
│次级类(元) │ 171.63亿│ 162.52亿│ ---│ 174.86亿│ ---│ 168.72亿│
│可疑类(元) │ 201.92亿│ 196.89亿│ ---│ 200.68亿│ ---│ 230.54亿│
│损失类(元) │ 328.96亿│ 322.65亿│ ---│ 288.16亿│ ---│ 256.84亿│
│贷款合计(元) │ 74530.33亿│ 72580.58亿│ 71362.85亿│ 71166.16亿│ 71254.79亿│ 68883.15亿│
├──────────┼──────┼──────┼──────┼──────┼──────┼──────┤
│正常类贷款迁徙率% │ 1.62│ 1.35│ ---│ 1.63│ ---│ 1.39│
│关注类贷款迁徙率% │ 39.94│ 28.66│ ---│ 40.06│ ---│ 35.06│
│次级类贷款迁徙率% │ 135.05│ 72.51│ ---│ 122.71│ ---│ 79.04│
│可疑类贷款迁徙率% │ 101.13│ 75.21│ ---│ 104.50│ ---│ 60.93│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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(%)│
├──────┼────────┼──────┼────────┼──────┤
│利息收入 │生息资产收益率下│ 17273300.00│ 17701400.00│ -2.42│
│ │降 │ │ │ │
│利息支出 │计息负债成本率下│ 6071100.00│ 7092900.00│ -14.41│
│ │降 │ │ │ │
│投资收益 │受债券等金融工具│ 1281100.00│ 2189400.00│ -41.49│
│ │投资收益基数影响│ │ │ │
│公允价值变动│债券投资及非货币│ 458100.00│ -481900.00│ 195.06│
│收益 │基金投资估值损益│ │ │ │
│ │增加 │ │ │ │
│汇兑净收益 │外币衍生交易损益│ 185900.00│ 145100.00│ 28.12│
│ │和外币货币性项目│ │ │ │
│ │汇兑损益增加 │ │ │ │
│其他业务收入│招银金租经营租赁│ 705300.00│ 775600.00│ -9.06│
│ │业务相关收入减少│ │ │ │
│资产总额 │本集团贷款和垫款│1378528000.0│ 1307052300.00│ 5.47│
│ │及金融投资增长 │ 0│ │ │
│负债总额 │客户存款规模较上│1243197900.0│ 1178962400.00│ 5.45│
│ │年末稳步增长 │ 0│ │ │
│其他综合收益│外币财务报表折算│ 2512800.00│ 2523000.00│ -0.40│
│ │差额减少 │ │ │ │
│经营活动产生│同业往来业务净流│ 30461100.00│ 13446100.00│ 126.54│
│的现金流量净│入增加 │ │ │ │
│额 │ │ │ │ │
│投资活动产生│投资支付的现金减│-16624400.00│ -17439100.00│ 4.67│
│的现金流量净│少 │ │ │ │
│额 │ │ │ │ │
│筹资活动产生│偿还同业存单支付│ -724600.00│ -2136500.00│ 66.08│
│的现金流量净│的现金减少 │ │ │ │
│额 │ │ │ │ │
└──────┴────────┴──────┴────────┴──────┘
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(%)│
├──────┼────────┼──────┼────────┼──────┤
│其他净收入 │债券投资价差收入│ 1064200.00│ 1105900.00│ -3.77│
│ │减少 │ │ │ │
│资产总额 │本集团贷款和垫款│1348488200.0│ 1307052300.00│ 3.17│
│ │、金融投资等增长│ 0│ │ │
│负债总额 │客户存款增长 │1219429700.0│ 1178962400.00│ 3.43│
│ │ │ 0│ │ │
│其他综合收益│受人民币汇率变动│ 2475200.00│ 2523000.00│ -1.89│
│ │影响，外币财务报│ │ │ │
│ │表折算差额减少 │ │ │ │
│经营活动产生│贷款同比少增及待│ 12584900.00│ 9502600.00│ 32.44│
│的现金流量净│清算款项流入同比│ │ │ │
│额 │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│ 67520000.00│ 57501500.00│ 57406500.00│ 68280200.00│ 60302700.00│ 56720800.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 33830800.00│ 20039900.00│ 22023100.00│ 10076900.00│ 9134600.00│ 8035000.00│
│发放贷款及垫款 │719426300.00│700423800.00│663254800.00│625275500.00│580715400.00│533539100.00│
│拆出资金 │ 46406200.00│ 50743900.00│ 40895500.00│ 28769400.00│ 26357600.00│ 19442100.00│
│贵金属 │ 4767900.00│ 3866900.00│ 941500.00│ 232100.00│ 296200.00│ 463900.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │219321900.00│212495100.00│194158000.00│ ---│155545700.00│118584100.00│
│其他债权投资 │148419400.00│133795000.00│109212700.00│ ---│ 78034900.00│ 63603800.00│
│其他权益工具投资 │ 2390000.00│ 2442400.00│ 2231500.00│ ---│ 1341600.00│ 699500.00│
│长期股权投资 │ 3587800.00│ 3291400.00│ 3101500.00│ 2659000.00│ 2384400.00│ 2365400.00│
│固定资产 │ 13645700.00│ 13064200.00│ 12399100.00│ 11027700.00│ 9499800.00│ 7902100.00│
│商誉 │ 995400.00│ 995400.00│ 995400.00│ 995400.00│ 999900.00│ 995400.00│
│资产总计 │1378528000.0│1307052300.0│1215203600.0│1102848300.0│1013891200.0│924902100.00│
│ │ 0│ 0│ 0│ 0│ 0│ │
│向中央银行借款 │ 5886300.00│ 11107700.00│ 18993400.00│ 37862100.00│ 12974500.00│ 15998700.00│
│同业及其他金融机构存│119271000.00│ 91169900.00│ 69997500.00│ 50837800.00│ 64567400.00│ 75301800.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 29095900.00│ 25070100.00│ 23537600.00│ 24729900.00│ 19285700.00│ 17065000.00│
│吸收存款 │1024052900.0│992455800.00│919532900.00│824049800.00│759057900.00│ ---│
│ │ 0│ │ │ │ │ │
│卖出回购金融资产款 │ 3468400.00│ 9541000.00│ 8404200.00│ 13507800.00│ 10709300.00│ 15766000.00│
│负债合计 │1243197900.0│1178962400.0│1091856100.0│994275400.00│918467400.00│838334000.00│
│ │ 0│ 0│ 0│ │ │ │
│实收资本(或股本) │ 2522000.00│ 2522000.00│ 2522000.00│ 2522000.00│ 2522000.00│ 2522000.00│
│资本公积 │ 6537000.00│ 6540900.00│ 6542900.00│ 6543200.00│ 6543500.00│ 6752300.00│
│盈余公积 │ 13627000.00│ 13627000.00│ 12265200.00│ 10873700.00│ 9498500.00│ 8213700.00│
│未分配利润 │ 72919300.00│ 67980800.00│ 63407800.00│ 56837200.00│ 49297100.00│ 42859200.00│
│归属于母公司所有者权│134503300.00│127287500.00│122601400.00│107637000.00│ 94550300.00│ 85874500.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 826800.00│ 802400.00│ 746100.00│ 935900.00│ 873500.00│ 693600.00│
│股东权益合计 │135330100.00│128089900.00│123347500.00│108572900.00│ 95423800.00│ 86568100.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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│ 67520000.00│ 58368200.00│ 57501500.00│ 54529800.00│ 55318700.00│ 57604300.00│
│项 │ │ │ │ │ │ │
│存放同业款项 │ 33830800.00│ 22261900.00│ 20039900.00│ 17397600.00│ 18507900.00│ 14473400.00│
│发放贷款及垫款 │719426300.00│720632100.00│700423800.00│687346200.00│685459100.00│686444800.00│
│拆出资金 │ 46406200.00│ 49109000.00│ 50743900.00│ 52514100.00│ 48294700.00│ 42634300.00│
│贵金属 │ 4767900.00│ 6219300.00│ 3866900.00│ 2073600.00│ 1560100.00│ 816000.00│
│持有至到期投资 │ ---│ ---│ ---│ ---│ ---│ ---│
│债权投资 │219321900.00│214746100.00│212495100.00│207276600.00│200635700.00│199046600.00│
│其他债权投资 │148419400.00│142057500.00│133795000.00│130572600.00│126011700.00│120675700.00│
│其他权益工具投资 │ 2390000.00│ 2437800.00│ 2442400.00│ 2387100.00│ 2383400.00│ 2312500.00│
│长期股权投资 │ 3587800.00│ 3395700.00│ 3291400.00│ 3237300.00│ 3304800.00│ 3197100.00│
│固定资产 │ 13645700.00│ 12702600.00│ 13064200.00│ 12041300.00│ 11928900.00│ 12237700.00│
│商誉 │ 995400.00│ 995400.00│ 995400.00│ 995400.00│ 995400.00│ 995400.00│
│资产总计 │1378528000.0│1348488200.0│1307052300.0│1264407500.0│1265715100.0│1252979200.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│向中央银行借款 │ 5886300.00│ 11723600.00│ 11107700.00│ 8149000.00│ 17230000.00│ 23821400.00│
│同业及其他金融机构存│119271000.00│102220700.00│ 91169900.00│ 82161000.00│ 74559900.00│ 76791900.00│
│放款项 │ │ │ │ │ │ │
│拆入资金 │ 29095900.00│ 28201800.00│ 25070100.00│ 25368300.00│ 25775500.00│ 25911700.00│
│吸收存款 │1024052900.0│1004212300.0│992455800.00│960895100.00│950952600.00│940623000.00│
│ │ 0│ 0│ │ │ │ │
│卖出回购金融资产款 │ 3468400.00│ 11172000.00│ 9541000.00│ 14429000.00│ 11646500.00│ 12691000.00│
│负债合计 │1243197900.0│1219429700.0│1178962400.0│1136893900.0│1136029100.0│1127592800.0│
│ │ 0│ 0│ 0│ 0│ 0│ 0│
│实收资本(或股本) │ 2522000.00│ 2522000.00│ 2522000.00│ 2522000.00│ 2522000.00│ 2522000.00│
│资本公积 │ 6537000.00│ 6537700.00│ 6540900.00│ 6540900.00│ 6542000.00│ 6542900.00│
│盈余公积 │ 13627000.00│ 13627000.00│ 13627000.00│ 12265200.00│ 12265200.00│ 12265200.00│
│未分配利润 │ 72919300.00│ 71707300.00│ 67980800.00│ 69493500.00│ 65626700.00│ 67119300.00│
│归属于母公司所有者权│134503300.00│128235500.00│127287500.00│126728500.00│128923300.00│124620700.00│
│益合计 │ │ │ │ │ │ │
│少数股东权益 │ 826800.00│ 823000.00│ 802400.00│ 785100.00│ 762700.00│ 765700.00│
│股东权益合计 │135330100.00│129058500.00│128089900.00│127513600.00│129686000.00│125386400.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 17818100.00│ 33753200.00│ 33748800.00│ 33912300.00│ 34478300.00│ 33125300.00│
│利息净收入 │ 11202200.00│ 21559300.00│ 21127700.00│ 21466900.00│ 21823500.00│ 20391900.00│
│手续费及佣金净收入 │ 3985500.00│ 7525800.00│ 7209400.00│ 8410800.00│ 9427500.00│ 9444700.00│
│投资收益 │ 1281100.00│ 3683700.00│ 2988000.00│ 2217600.00│ 2053800.00│ 2185200.00│
│公允价值变动收益 │ 458100.00│ -816000.00│ 608500.00│ 184600.00│ -267500.00│ 9200.00│
│汇兑收益 │ 185900.00│ 322800.00│ 402600.00│ 413200.00│ 360000.00│ 335100.00│
│营业支出 │ 8739800.00│ 15828000.00│ 15846900.00│ 16246000.00│ 17962700.00│ 18323400.00│
│营业税金及附加 │ 150800.00│ 309700.00│ 295000.00│ 296300.00│ 300500.00│ 277200.00│
│业务及管理费 │ 5291200.00│ 10795200.00│ 10761600.00│ 11178600.00│ 11337500.00│ 10972700.00│
│资产减值损失 │ 1400.00│ 18900.00│ 84300.00│ 19100.00│ 81500.00│ 39300.00│
│营业利润 │ 9078300.00│ 17925200.00│ 17901900.00│ 17666300.00│ 16515600.00│ 14801900.00│
│营业外收入 │ 3600.00│ 10500.00│ 6300.00│ 13800.00│ 17000.00│ 31800.00│
│营业外支出 │ 8200.00│ 36400.00│ 43000.00│ 18300.00│ 21300.00│ 16400.00│
│利润总额 │ 9073700.00│ 17899300.00│ 17865200.00│ 17661800.00│ 16511300.00│ 14817300.00│
│所得税 │ 1381800.00│ 2786700.00│ 2909300.00│ 2861200.00│ 2581900.00│ 2733900.00│
│净利润 │ 7691900.00│ 15112600.00│ 14955900.00│ 14800600.00│ 13929400.00│ 12083400.00│
│归属母公司净利润 │ 7644500.00│ 15018100.00│ 14839100.00│ 14660200.00│ 13801200.00│ 11992200.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 17818100.00│ 8694000.00│ 33753200.00│ 25142000.00│ 16996900.00│ 8375100.00│
│利息净收入 │ 11202200.00│ 5564200.00│ 21559300.00│ 16004200.00│ 10608500.00│ 5299600.00│
│手续费及佣金净收入 │ 3985500.00│ 2065600.00│ 7525800.00│ 5620200.00│ 3760200.00│ 1969600.00│
│投资收益 │ 1281100.00│ 398600.00│ 3683700.00│ 3025200.00│ 2189400.00│ 1175200.00│
│公允价值变动收益 │ 458100.00│ 202800.00│ -816000.00│ -882700.00│ -481900.00│ -530600.00│
│汇兑收益 │ 185900.00│ 112900.00│ 322800.00│ 263900.00│ 145100.00│ 112000.00│
│营业支出 │ 8739800.00│ 4227500.00│ 15828000.00│ 11619300.00│ 8101700.00│ 3948900.00│
│营业税金及附加 │ 150800.00│ 77300.00│ 309700.00│ 224600.00│ 149100.00│ 80500.00│
│业务及管理费 │ 5291200.00│ 2474800.00│ 10795200.00│ 7504300.00│ 5117100.00│ 2398800.00│
│资产减值损失 │ 1400.00│ 200.00│ 18900.00│ 900.00│ 1100.00│ ---│
│营业利润 │ 9078300.00│ 4466500.00│ 17925200.00│ 13522700.00│ 8895200.00│ 4426200.00│
│营业外收入 │ 3600.00│ 2400.00│ 10500.00│ 6200.00│ 5800.00│ 2900.00│
│营业外支出 │ 8200.00│ 1200.00│ 36400.00│ 20000.00│ 10400.00│ 4900.00│
│利润总额 │ 9073700.00│ 4467700.00│ 17899300.00│ 13508900.00│ 8890600.00│ 4424200.00│
│所得税 │ 1381800.00│ 662900.00│ 2786700.00│ 2055200.00│ 1350100.00│ 672900.00│
│净利润 │ 7691900.00│ 3804800.00│ 15112600.00│ 11453700.00│ 7540500.00│ 3751300.00│
│归属母公司净利润 │ 7644500.00│ 3785200.00│ 15018100.00│ 11377200.00│ 7493000.00│ 3728600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 91567600.00│144041900.00│158696100.00│133991200.00│165819800.00│121514300.00│
│经营活动现金流出 │ 61106500.00│ 98896200.00│113993800.00│ 98215900.00│108805500.00│103309500.00│
│经营活动现金流量净额│ 30461100.00│ 45145700.00│ 44702300.00│ 35775300.00│ 57014300.00│ 18204800.00│
│投资活动现金流入 │124730900.00│240929300.00│216997000.00│205712800.00│142034800.00│123519000.00│
│投资活动现金流出 │141355300.00│273421300.00│246282900.00│231223500.00│193427400.00│125488700.00│
│投资活动现金流量净额│-16624400.00│-32492000.00│-29285900.00│-25510700.00│-51392600.00│ -1969700.00│
│筹资活动现金流入 │ 11972600.00│ 20220800.00│ 28197000.00│ 20761300.00│ 13389700.00│ 44812000.00│
│筹资活动现金流出 │ 12697200.00│ 37214600.00│ 27982100.00│ 28060200.00│ 43092900.00│ 35876100.00│
│筹资活动现金流量净额│ -724600.00│-16993800.00│ 214900.00│ -7298900.00│-29703200.00│ 8935900.00│
│汇率变动对现金的影响│ -120100.00│ -330400.00│ 119500.00│ 216400.00│ 625900.00│ -274600.00│
│现金及等价物净增加额│ 12992000.00│ -4670500.00│ 15750800.00│ 3182100.00│-23455600.00│ 24896400.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
┌──────────┬──────┬──────┬──────┬──────┬──────┬──────┐
│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 │ 91567600.00│ 49759700.00│144041900.00│ 95178600.00│ 73091700.00│ 55334800.00│
│经营活动现金流出 │ 61106500.00│ 37174800.00│ 98896200.00│ 77565200.00│ 59645600.00│ 45832200.00│
│经营活动现金流量净额│ 30461100.00│ 12584900.00│ 45145700.00│ 17613400.00│ 13446100.00│ 9502600.00│
│投资活动现金流入 │124730900.00│ 47481000.00│240929300.00│131185100.00│124622500.00│ 31874900.00│
│投资活动现金流出 │141355300.00│ 56224000.00│273421300.00│163733000.00│142061600.00│ 51868200.00│
│投资活动现金流量净额│-16624400.00│ -8743000.00│-32492000.00│-32547900.00│-17439100.00│-19993300.00│
│筹资活动现金流入 │ 11972600.00│ 4357200.00│ 20220800.00│ 19566400.00│ 13196400.00│ 5371600.00│
│筹资活动现金流出 │ 12697200.00│ 7024200.00│ 37214600.00│ 33831000.00│ 15332900.00│ 10237100.00│
│筹资活动现金流量净额│ -724600.00│ -2667000.00│-16993800.00│-14264600.00│ -2136500.00│ -4865500.00│
│汇率变动对现金的影响│ -120100.00│ -110600.00│ -330400.00│ -67600.00│ -31100.00│ -7400.00│
│现金及等价物净增加额│ 12992000.00│ 1064300.00│ -4670500.00│-29266700.00│ -6160600.00│-15363600.00│
└──────────┴──────┴──────┴──────┴──────┴──────┴──────┘
【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 │ 8375100.00│ 24.81│ 3728600.00│ 24.83│
│二季报 │ 8621800.00│ 25.54│ 3764400.00│ 25.07│
│三季报 │ 8145100.00│ 24.13│ 3884200.00│ 25.86│
│四季报 │ 8611200.00│ 25.51│ 3640900.00│ 24.24│
└──────┴───────┴───────┴───────┴───────┘
┌──────┬───────┬───────┬───────┬───────┐
│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 │ 8641700.00│ 25.61│ 3807700.00│ 25.66│
│二季报 │ 8652800.00│ 25.64│ 3666600.00│ 24.71│
│三季报 │ 7976400.00│ 23.63│ 3844100.00│ 25.91│
│四季报 │ 8477900.00│ 25.12│ 3520700.00│ 23.73│
└──────┴───────┴───────┴───────┴───────┘
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