03988 中國銀行
按盘价 
4.940 +0.050 (+1.022%) 盈利能力分析
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 资产回报率 (%) | 0.624% | 0.656% | 0.706% | 0.766% | 0.806% |
| 股东资金回报率 (%) | 8.616% | 9.087% | 9.577% | 10.150% | 10.469% |
基本指标
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 净利息收益率 (%) | -- | -- | -- | -- | -- |
| 净息差 (%) | 1.26% | 1.4% | 1.59% | 1.75% | 1.75% |
| 资本充足比率 (%) | 18.85% | 18.76% | 17.74% | 17.52% | 16.53% |
| 第一级资本比率 (%) | 14.34% | 14.38% | 13.83% | 14.11% | 13.32% |
| 核心资本比率 (%) | -- | -- | -- | -- | -- |
| 流动资金比率 (%) | -- | -- | -- | -- | -- |
经营表现指标
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 利息支出 / 利息收入比率 (%) | 55.969% | 58.104% | 55.518% | 47.861% | 46.150% |
| 其他经营收入 / 经营收入比率 (%) | 33.213% | 29.053% | 25.250% | 21.689% | 29.812% |
| 成本 / 收入比率 (%) | 38.890% | 37.260% | 35.719% | 34.019% | 37.370% |
贷款及存款指标
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 流动资金 / 客户存款比率 (%) | 17.635% | 18.814% | 20.994% | 21.610% | 22.972% |
| 呆坏帐准备 / 客户贷款比率 (%) | 2.459% | 2.495% | 2.429% | 2.488% | 2.483% |
| 贷存比率 (%) | 88.804% | 88.178% | 86.193% | 85.959% | 85.208% |
| 客户贷款 / 总资产比率 (%) | 59.640% | 60.053% | 60.054% | 59.238% | 57.339% |
| 备注： | 实时报价更新时间为31/03/2026 15:28 |
| 港股实时基本市场行情由香港交易所提供; 香港交易所指定免费发放实时基本市场行情的网站。 | |
| 股东应占溢利/(亏损) (千) | RMB 229,187,000 |
| 增长率 | 3.451% |
| 每股盈利/(亏损) | RMB 0.740 |
| 每股账面资产净值 (¥) | RMB 8.671 |