00998 中信銀行
按盤價 
7.870 -0.050 (-0.631%) 盈利能力分析
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 資產回報率 (%) | 0.694% | 0.702% | 0.723% | 0.708% | 0.694% |
| 股東資金回報率 (%) | 9.233% | 9.641% | 10.466% | 10.439% | 10.331% |
基本指標
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 淨利息收益率 (%) | 1.63% | 1.77% | 1.78% | 1.97% | 2.05% |
| 淨息差 (%) | 1.6% | 1.71% | 1.75% | 1.92% | 1.99% |
| 資本充足比率 (%) | 12.8% | 13.36% | 12.93% | 13.18% | 13.53% |
| 第一級資本比率 (%) | 10.9% | 11.26% | 10.75% | 10.63% | 10.88% |
| 核心資本比率 (%) | -- | -- | -- | -- | -- |
| 流動資金比率 (%) | -- | -- | 52.79% | 62.61% | -- |
經營表現指標
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 利息支出 / 利息收入比率 (%) | 49.236% | 52.652% | 54.818% | 51.963% | 51.694% |
| 其他經營收入 / 經營收入比率 (%) | 32.058% | 31.209% | 30.175% | 28.640% | 27.698% |
| 成本 / 收入比率 (%) | 33.334% | 33.738% | 33.669% | 31.660% | 30.419% |
貸款及存款指標
| 2025/12 | 2024/12 | 2023/12 | 2022/12 | 2021/12 | |
| 流動資金 / 客戶存款比率 (%) | 15.900% | 14.902% | 13.447% | 15.014% | 14.346% |
| 呆壞帳準備 / 客戶貸款比率 (%) | 2.365% | 2.445% | 2.438% | 2.534% | 2.484% |
| 貸存比率 (%) | 93.796% | 95.518% | 98.465% | 97.695% | 99.125% |
| 客戶貸款 / 總資產比率 (%) | 56.725% | 58.760% | 59.473% | 58.952% | 59.034% |
| 備註： | 即時報價更新時間為26/03/2026 18:00 |
| 港股即時基本市場行情由香港交易所提供; 香港交易所指定免費發放即時基本市場行情的網站 | |
| 股東應佔溢利/(虧損) (千) | RMB 68,212,000 |
| 增長率 | 4.594% |
| 每股盈利/(虧損) | RMB 1.200 |
| 每股帳面資產淨值 (¥) | RMB 13.637 |
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