六大行前三季度净利润1.14万亿元：农行净利增速7.1％领跑，交行息差回升4BP

华夏时报网10-31 20:42

10月30日晚间，国有六大行三季报全部披露完毕。　　整体来看，六大行前三季度合计实现营业收入2.98万亿元，同比增长9.44%；合计实现归母净利润1.14万亿元，同比增长6.15%。　　按前三季度273天计算，相当于每天净赚约41.7亿元。六大行营收、净利润全面实现同比正增长，经营韧性持续凸显，持续发挥银行业压舱石作用。　　值得注意的是，三季度单季盈利增速全面加快，多家大行跑出两位数增长；净息差...

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12.33%、11.37%，是这一轮里面弹性最强的两家；工商银行同比增速为8.74%，交通银行同比增速为8.02%，中国银行同比增速为7.16%，邮储银行同比增速为6.24%，增速都相对平缓。　　归母净利润规模上，工商银行依旧是“盈利龙头”，前三季度归母净利润2856.40亿元；建设银行2742.26亿元、农业银行2365.46亿元紧随其后，这三家净利均超过2000亿元；中国银行1874.82 亿元，邮储银行800.56亿元，交通银行742.62亿元依次排开。　　净利增速方面，农业银行净利润增幅为7.10%领跑六大行，该行表示，业绩增长主要源于利息收入增长基础扎实、负债成本持续改善、综合金融服务能力提升等因素。建设银行净利润增幅为6.55%、交通银行净利润增幅为6.10%紧随其后，工商银行净利润增幅为5.83%、中国银行净利润增幅为5.53%，而邮储银行净利润增幅为4.56%，增速垫底。　　在屿策智库秘书长侯文杰看来，六大行在息差压力仍存的背景下实现营收改善和利润稳增，归母净利润合计接近1.14万亿元，说明国有大行的经营底盘依然稳固，服务实体经济与自身盈利之间的平衡能力较强，整体表现符合预期并略好于市场谨慎判断。　　从单季数据看，六大行盈利能力普遍较上半年提速。其中，农业银行单季归母净利润901.65亿元，同比增长10.84%；交通银行单季归母净利润263.88亿元，同比增长10.05%。这两家银行单季净归母利润同比增速均突破10%。　　工商银行单季归母净利润1119.58亿元，同比增长9.97%；建设银行单季归母净利润1046.62亿元，同比增长9.84%，这两家银行单季归母净利润同比增速逼近10%。　　中国银行单季归母净利润638.88亿元，同比增长6.36%；邮储银行单季归母净利润285.53亿元，同比增长4.46%，这两家银行单季增速相对平缓，仍维持在正增长区间。　　“这份财报可定性为韧性确认、结构修复、底色转暖。” 苏商银行特约研究员付一夫对《华夏时报》记者表示，六大行在低利率环境下已走出单纯“让利承压”的叙事，进入负债成本管控、资产配置纪律与分红确定性共同支撑的再平衡阶段。利润增速抬升并非依赖激进风险承担，而是息差企稳、适度规模扩张与非息补充的合力结果。整体看，六大行底盘更稳、质量更实、预期更清。　　交行净息差同比改善4BP　　净息差是决定银行盈利中枢最核心的变量。　　在2026年上半年，息差企稳的信号已经出现，三季报企稳的覆盖面则进一步拓宽。　　截至三季度末，交通银行前三季度净息差为1.24%，较去年同期提升4个基点，是六大行中同比改善幅度最大的一家。　　工商银行和中国银行的净息差均同比抬升1个基点，分别为1.29%和1.27%；建设银行净息差为1.36%，与上年同期持平，较上半年收窄1个基点；农业银行净息差1.28%，同比下行2个基点，邮储银行依旧维持六大行最高净息差水平1.60%，但同比回落8个基点。　　在三季度业绩说明会上，多家国有大行高管也提及了净息差相关情况。　　建设银行副行长、董事会秘书纪志宏表示，前三季度集团净息差1.36%，较去年全年上升2个基点，较好地实现了量、价、险和结构的统筹，表现优于可比同业。边际表现看，净息差较上半年小幅下降1个基点，主要受两方面因素影响：一是银行存款季度新增节奏影响，下半年到期的中长期定期存款相对较少；二是债券市场利率中枢延续下行趋势，三季度十年期国债平均即期收益率1.73%，较上季度下降5个基点，对当季收益表现带来一定影响。　　邮储银行副行长、董事会秘书杜春野则表示，目前行业净息差企稳回升，主要受益于负债端成本的下降，同时存量的定期存款集中到期重定价也是当前重要的短期驱动因素。　　农业银行管理层表示，未来净息差仍面临一定压力，若市场利率继续下行或存款竞争加剧，可能对负债成本控制带来挑战。　　展望全年，纪志宏表示，建设银行有信心通过积极主动管理，保持净息差在可比同业中的领先水平。农业银行则预计全年净息差将保持总体稳定，但进一步回升空间有限。　　“息差修复能否延续取决于资产端定价和负债端成本的相对变化。部分银行净息差止跌回升，主要受益于存款利率下调逐步传导、负债成本改善以及信贷结构优化。”侯文杰对《华夏时报》记者表示，四季度到明年，若贷款市场报价利率保持稳定、存款定期化趋势缓解，息差有望在低位企稳甚至小幅改善，但不同银行之间分化仍会延续，全面持续回升还需观察经济复苏节奏和货币政策取向。　　付一夫认为，本轮修复的核心动力是高息定期存款集中到期重定价带来的负债成本改善，这一红利在四季度仍有释放惯性。然而，负债成本改善的边际空间会逐步收窄，资产端贷款定价在实体融资需求温和的约束下也难有上行动力。　　他判断，“企稳优于上行、结构优于总量”，息差从“往下拽”转为“横着托”，对利润质量的健康度反而高于单边扩利差。（文章来源：华夏时报网）","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":false,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 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