上市银行三季报密集披露：公允价值变动收益下降资产质量持续改善

每日经济新闻

2025/10/28

随着距A股上市公司三季报披露截止日越来越近，上市银行已开始密集披露三季度经营业绩。《每日经济新闻》记者了解到，继华夏银行（SH600015，股价6.91元，市值1100.00亿元）率先披露三季报后，重庆银行（SH601963，股价10.67元，市值370.74亿元）、平安银行（SZ000001，股价11.47元，市值2226.00亿元）、无锡银行（SH600908，股价6.14元，市值134.75...

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href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251028220606a6d30560&s=b><strong>每日经济新闻</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>随着距A股上市公司三季报披露截止日越来越近，上市银行已开始密集披露三季度经营业绩。《每日经济新闻》记者了解到，继华夏银行（SH600015，股价6.91元，市值1100.00亿元）率先披露三季报后，重庆银行（SH601963，股价10.67元，市值370.74亿元）、平安银行（SZ000001，股价11.47元，市值2226.00亿元）、无锡银行（SH600908，股价6.14元，市值134.75...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20251028220606a6d30560&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0359201885.HKD","symbol_name":"BGF CHINA \"A2\" (HKD) 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EQUITY INCOME \"C\" (USD) ACC","LU0469268626.HKD":"AB FCP I-ASIA EX JAPAN EQUITY PTF(AD","BK1521":"挪威政府全球养老基金持仓","SGXZ90724238.SGD":"UNITED ASIA \"A\" (SGD) INC","LU0561508036.HKD":"ALLIANZ CHINA EQUITY \"A\" (HKD) INC","BK1231":"综合性银行","LU0287142896.SGD":"Fidelity China Focus A-SGD","LU1497733631.SGD":"Eastspring Investments - Asian Low Volatility Equity Fund ASDM SGD"},"translate_title":"Intensive disclosure of the third quarterly reports of listed banks: income from changes in fair value declines and asset quality continues to improve","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"01398":0.9,"03143":0.6,"03988":0.9},"content_text":"随着距A股上市公司三季报披露截止日越来越近，上市银行已开始密集披露三季度经营业绩。《每日经济新闻》记者了解到，继华夏银行（SH600015，股价6.91元，市值1100.00亿元）率先披露三季报后，重庆银行（SH601963，股价10.67元，市值370.74亿元）、平安银行（SZ000001，股价11.47元，市值2226.00亿元）、无锡银行（SH600908，股价6.14元，市值134.75亿元）近日也陆续披露最新业绩。此外，中国银行（SH601988，股价5.60元，市值1.804万亿元）、工商银行（SH601398，股价7.99元，市值2.85万亿元）、兴业银行（SH601166，股价20.42元，市值4321.00 亿元）、招商银行（SH600036，股价41.60元，市值1.05万亿元）等上市银行的三季报也将在未来几个交易日内陆续出炉。《每日经济新闻》记者进一步查阅已披露三季报的A股上市银行的经营数据了解到，部分A股上市银行营收、净利润实现双增长，部分银行净利润同比降幅有所收窄，呈现出稳健增长态势，但公允价值变动收益均出现了大幅下降。公允价值变动收益缩水《每日经济新闻》记者注意到，由于债券市场波动，各家银行债权投资等业务收入均受到影响，导致了非息收入的下滑。10月23日，华夏银行发布了首份上市银行三季报。数据显示，华夏银行截至三季度末的总资产较去年底上升4.8%至4.59万亿元。存、贷款总额均有增长，其中截至三季度末的贷款总额为2.43万亿元，较上年末增加 692.77亿元，同期存款总额为2.34万亿元，较上年末增加1876亿元。华夏银行第三季度归母净利润为65.12亿元，同比增长7.62%。虽然利润实现较好增长，但第三季度华夏银行营收同比降低15.02%，前三季度营收则同比降低8.79%。在三季度业绩发布会上，华夏银行行长瞿纲介绍称，主要是受债市波动影响，公司公允价值变动收益同比减少。华夏银行三季报显示，公司前三季度公允价值变动收益为-45.05亿元，较去年的33.26亿元减少约78亿元。在华夏银行三季度业绩发布会上，瞿纲还表示，未来将扩大规模增长，持续优化资产负债结构，提高高收益资产和低成本负债占比，盘活低效资产，加强市场和客户分析，提升定价能力，稳定息差和收入来源。在华夏银行之后披露三季度业绩的是平安银行。财报显示，平安银行今年第三季度营业收入为312.8亿元，较去年同期降低9.2%，但同比降幅较去年第三季度时有所收窄；前三季度，平安银行实现营业收入1006.7亿元，同比下降9.8%。第三季度，平安银行归母净利润为134.7亿元，同比下降2.8%。《每日经济新闻》记者了解到，平安银行本期公允价值变动损益金额为-23.82亿元，变动金额达到-38.13亿元，主要是因为交易性金融工具公允价值变动损益减少。重庆银行、无锡银行这两家区域性银行的业绩表现良好。财报显示，重庆银行前三季度归母净利润为48.79亿元，同比增长10.19%，营业收入为117.4亿元，同比增长10.4%；无锡银行前三季度营收为37.65亿元，同比增长3.87%，归母净利润为18.33亿元，同比增长3.78%。不过，《每日经济新闻》记者了解到，这两家银行公允价值变动收益同样降幅较大。重庆银行前三季度公允价值变动损益为-3.67亿元；无锡银行为-3353万元，较去年三季度末减少超过7500万元。对于上述银行公允价值变动收益下降，北京财富管理行业协会特约研究员杨海平对《每日经济新闻》记者表示，这主要有两方面原因，核心原因是在净息差不断收窄情况下，银行特别是中小银行在债券资产方面配置了不少，而债市波动导致债券估值缩水；二是人民银行此前提示债权投资、债券交易风险，可能导致了部分银行主动收缩债权资产规模。资产质量整体持续改善除了公允价值变动收益的下降，《每日经济新闻》记者注意到，前三季度银行净息差仍在收窄。如平安银行前三季度净息差为1.79%，较去年同期下降0.14个百分点。华夏银行为1.55%，较去年同期下降0.05个百分点。对于上市商业银行前三季度经营情况，国泰海通证券分析师马婷婷在研报中表示，预计上市银行2025年前三季度累计营收及归母净利润分别同比增长0.4%和1.1%，这主要得益于息差同比降幅收窄和减值计提下降，但债市宽幅震荡拖累其他非息收入的不确定性上升。中泰证券银行首席分析师戴志锋认为，三季度净息差有企稳可能，原因包括三季度资产端重定价压力减小；5月综合货币政策落地后，存款利率下降幅度大于LPR（贷款市场报价利率）下降幅度，对息差形成支撑。测算上市银行今年第三、第四季度净息差环比分别增加0.7个基点、0.3个基点。就已披露业绩报告的上市银行来说，第三季度各家银行整体资产质量稳中向好。《每日经济新闻》记者了解到，其中，华夏银行截至三季度末的不良贷款率为1.58%，较上年末下降0.02个百分点；平安银行同期不良贷款率为1.05%，较上年末下降0.01个百分点；重庆银行降幅最大，截至三季度末时该数据较上年末下降0.11个百分点至1.14%；无锡银行截至三季度末时的不良贷款率仅0.78%，继续保持低位。戴志锋进一步分析指出，资产质量趋势将会延续此前情况，即对公改善、零售（风险）暴露、总体稳健，其中零售暴露速度预计放缓。（文章来源：每日经济新闻）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"code":"91000000","status":"200"}}}

上市银行三季报密集披露：公允价值变动收益下降 资产质量持续改善

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上市银行三季报密集披露：公允价值变动收益下降资产质量持续改善