上市銀行三季報密集披露：公允價值變動收益下降資產質量持續改善

每日經濟新聞

2025/10/28

隨着距A股上市公司三季報披露截止日越來越近，上市銀行已開始密集披露三季度經營業績。《每日經濟新聞》記者了解到，繼華夏銀行（SH600015，股價6.91元，市值1100.00億元）率先披露三季報後，重慶銀行（SH601963，股價10.67元，市值370.74億元）、平安銀行（SZ000001，股價11.47元，市值2226.00億元）、無錫銀行（SH600908，股價6.14元，市值134.75...

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improve","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"01398":0.9,"03143":0.6,"03988":0.9},"content_text":"隨着距A股上市公司三季報披露截止日越來越近，上市銀行已開始密集披露三季度經營業績。《每日經濟新聞》記者了解到，繼華夏銀行（SH600015，股價6.91元，市值1100.00億元）率先披露三季報後，重慶銀行（SH601963，股價10.67元，市值370.74億元）、平安銀行（SZ000001，股價11.47元，市值2226.00億元）、無錫銀行（SH600908，股價6.14元，市值134.75億元）近日也陸續披露最新業績。此外，中國銀行（SH601988，股價5.60元，市值1.804萬億元）、工商銀行（SH601398，股價7.99元，市值2.85萬億元）、興業銀行（SH601166，股價20.42元，市值4321.00 億元）、招商銀行（SH600036，股價41.60元，市值1.05萬億元）等上市銀行的三季報也將在未來幾個交易日內陸續出爐。《每日經濟新聞》記者進一步查閲已披露三季報的A股上市銀行的經營數據了解到，部分A股上市銀行營收、淨利潤實現雙增長，部分銀行淨利潤按年降幅有所收窄，呈現出穩健增長態勢，但公允價值變動收益均出現了大幅下降。公允價值變動收益縮水《每日經濟新聞》記者注意到，由於債券市場波動，各家銀行債權投資等業務收入均受到影響，導致了非息收入的下滑。10月23日，華夏銀行發布了首份上市銀行三季報。數據顯示，華夏銀行截至三季度末的總資產較去年底上升4.8%至4.59萬億元。存、貸款總額均有增長，其中截至三季度末的貸款總額為2.43萬億元，較上年末增加 692.77億元，同期存款總額為2.34萬億元，較上年末增加1876億元。華夏銀行第三季度歸母淨利潤為65.12億元，按年增長7.62%。雖然利潤實現較好增長，但第三季度華夏銀行營收按年降低15.02%，前三季度營收則按年降低8.79%。在三季度業績發布會上，華夏銀行行長瞿綱介紹稱，主要是受債市波動影響，公司公允價值變動收益按年減少。華夏銀行三季報顯示，公司前三季度公允價值變動收益為-45.05億元，較去年的33.26億元減少約78億元。在華夏銀行三季度業績發布會上，瞿綱還表示，未來將擴大規模增長，持續優化資產負債結構，提高高收益資產和低成本負債佔比，盤活低效資產，加強市場和客户分析，提升定價能力，穩定息差和收入來源。在華夏銀行之後披露三季度業績的是平安銀行。財報顯示，平安銀行今年第三季度營業收入為312.8億元，較去年同期降低9.2%，但按年降幅較去年第三季度時有所收窄；前三季度，平安銀行實現營業收入1006.7億元，按年下降9.8%。第三季度，平安銀行歸母淨利潤為134.7億元，按年下降2.8%。《每日經濟新聞》記者了解到，平安銀行本期公允價值變動損益金額為-23.82億元，變動金額達到-38.13億元，主要是因為交易性金融工具公允價值變動損益減少。重慶銀行、無錫銀行這兩家區域性銀行的業績表現良好。財報顯示，重慶銀行前三季度歸母淨利潤為48.79億元，按年增長10.19%，營業收入為117.4億元，按年增長10.4%；無錫銀行前三季度營收為37.65億元，按年增長3.87%，歸母淨利潤為18.33億元，按年增長3.78%。不過，《每日經濟新聞》記者了解到，這兩家銀行公允價值變動收益同樣降幅較大。重慶銀行前三季度公允價值變動損益為-3.67億元；無錫銀行為-3353萬元，較去年三季度末減少超過7500萬元。對於上述銀行公允價值變動收益下降，北京財富管理行業協會特約研究員楊海平對《每日經濟新聞》記者表示，這主要有兩方面原因，核心原因是在淨息差不斷收窄情況下，銀行特別是中小銀行在債券資產方面配置了不少，而債市波動導致債券估值縮水；二是人民銀行此前提示債權投資、債券交易風險，可能導致了部分銀行主動收縮債權資產規模。資產質量整體持續改善除了公允價值變動收益的下降，《每日經濟新聞》記者注意到，前三季度銀行淨息差仍在收窄。如平安銀行前三季度淨息差為1.79%，較去年同期下降0.14個百分點。華夏銀行為1.55%，較去年同期下降0.05個百分點。對於上市商業銀行前三季度經營情況，國泰海通證券分析師馬婷婷在研報中表示，預計上市銀行2025年前三季度累計營收及歸母淨利潤分別按年增長0.4%和1.1%，這主要得益於息差按年降幅收窄和減值計提下降，但債市寬幅震盪拖累其他非息收入的不確定性上升。中泰證券銀行首席分析師戴志鋒認為，三季度淨息差有企穩可能，原因包括三季度資產端重定價壓力減小；5月綜合貨幣政策落地後，存款利率下降幅度大於LPR（貸款市場報價利率）下降幅度，對息差形成支撐。測算上市銀行今年第三、第四季度淨息差按月分別增加0.7個點子、0.3個點子。就已披露業績報告的上市銀行來説，第三季度各家銀行整體資產質量穩中向好。《每日經濟新聞》記者了解到，其中，華夏銀行截至三季度末的不良貸款率為1.58%，較上年末下降0.02個百分點；平安銀行同期不良貸款率為1.05%，較上年末下降0.01個百分點；重慶銀行降幅最大，截至三季度末時該數據較上年末下降0.11個百分點至1.14%；無錫銀行截至三季度末時的不良貸款率僅0.78%，繼續保持低位。戴志鋒進一步分析指出，資產質量趨勢將會延續此前情況，即對公改善、零售（風險）暴露、總體穩健，其中零售暴露速度預計放緩。（文章來源：每日經濟新聞）","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"}}}

上市銀行三季報密集披露：公允價值變動收益下降 資產質量持續改善

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上市銀行三季報密集披露：公允價值變動收益下降資產質量持續改善