中国经济网北京7月23日讯 证券时报昨日发布文章《房地产业不良贷款飙升近39倍！晋商银行分红率创上市以来最低》。文章称，2025年全年业绩公告显示，该行不良贷款余额冲上42.49亿元、不良率升至1.95%，双双刷新近年纪录；营收与归母净利连续两年双降，ROE跌至6.06%；现金分红每100股仅5元，分红率约17.5%，创上市以来最低。 截至2025年末，晋商银行不良贷款余额为42.49亿元，较上年末增加6.83亿元；不良贷款率为1.95%，较上年末上升0.18个百分点，均达到上市以来最高水平。2025年，该行房地产业不良贷款率从0.36%升至12.24%，不良贷款余额从0.32亿元增至12.55亿元，飙升近39倍。 报道指出，盈利缩水直接压缩股东分红空间，分红比例创下历年新低。2025年度，该行推出每100股派5元的分红方案，分红总额2.92亿元，分红率仅17.5%，较2024年26.61%大幅下滑。拉长周期看，该行上市初期分红比例超过43%，此后连续六年逐年走低，股东现金回报持续收缩。 (责任编辑：华青剑)
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