601825 沪市 沪农商行

股票代码：601825

企业文化核心精神


                          目录
业绩一览      001                        第一章 公司简介                            010
重要提示      003                        第二章 会计数据和财务指标摘要              015
释义          004                        第三章 管理层讨论与分析                    019
备查文件目录  004                                  一、总体经营情况                      020
董事长致辞    005                                  二、财务报表分析                      020
行长致辞      007                                  三、贷款质量分析                      028
                                                      四、资本充足率分析                    031
                                                      五、分部经营信息                      033
                                                      六、公司业务综述                      033
                                                      七、经营中关注的重点问题              042
                                                      八、风险管理                          044
                                                      九、公司未来发展展望                  047
                                          第四章 公司治理                            048
                                          第五章 环境和社会责任                      070
                                          第六章 重要事项                            074
                                          第七章 股份变动及股东情况                  081
                                          第八章 财务报告                            089
业绩一览

营业收入                            归属于母公司股东的净利润

单位：人民币 亿元                                          单位：人民币 亿元

                      241.64  9.64%    250                            96.98  18.84%  100
  212.71  220.40                                88.46    81.61

                                                                    200

                                                                                                                                                    75
                                                                    150

                                                                                                                                                    50
                                                                    100

                                                                                                                                                    25
                                                                    50

    2019 年    2020 年      2021 年                            2019 年    2020 年      2021 年

总资产                              存贷款余额

单位：人民币 亿元                                          单位：人民币 亿元

                    11,583.76 9.59%  12000                              11.90% 10000
          10,569.77                                                8381.38  15.62%

  9,299.38                                                7489.89                                    8000
                                                                9000    6790.26

                                                                            6,135.77

                                                                5,306.73                        6000
                                                                6000            4,668.68

                                                                                                                                                  4000
                                                                3000

                                                                                                                                                  2000
    2019 年    2020 年    2021 年                            2019 年      2020 年      2021 年

                                                                  存款          贷款


 归属于母公司股东的每股净资产          平均总资产回报率

 单位：元 / 股                                                单位：%

                8.90    9.72                                        0.91

                                                                    10                  0.85                                        1
        8.20

                                                                    8                                                                              0.8
                                                                    6                                                                              0.6
                                                                    4                                                                              0.4
                                                                    2                                                                              0.2
        2019 年    2020 年    2021 年                                    2020 年    2021 年

加权平均净资产收益率    资本充足率              不良贷款率

 单位：%                                单位：%                                单位：%

 2020 年                                2020 年