中信金融资产2025年度报告

2799 1.22 .43 .84 .95 .116 .167 .198 .218 . 1218 . 2228 . 3408 . 4518 . 5548 . 6559 .561 0 .591 1 .711 2 .921 3 .941 4 .1021 5 .1031 6 .1041 7 .1741 8 .1761 9 .374 1. 279919991112012928201510302022320241 3330 2. 2. 2. 3. 202633020262025202588 202518. 20251231 4. 4. 5. (IFRSs) 5. 5. 5. 5. (2) (3) (4) 6. 2025 2025804.7643.0%110.8617%(ROAE)18.7%0.3202522%0.4111.13%5.4328%544%MSCIESGBBBAA 80 6. 20229,57810,5703,3592,0841,7883 5,3291,274250+AMC 6,7537193,4008.12 6. + 2026330 7. 2025804.7643.0%2025110.8617%(ROAE)18.7%20240.3(ROAA)0.93%20240.18 1,7868%1,2742,42135%90923%++ 1174,608200ABS 7. 2026330 8. 8.1 202520253.2%20240.12025140.25.0% 2025 2025 8. 8.2 8.2.1 202520251804.76243.0%110.8615.3%317.0%18.7%20240.30.93%20240.180.13 8. 8. 8.2.1.1 202580,476.043.0% 8. 8.2.1.1.1 20259,769.117.7%8,015.222.9% 8.2.1.1.2 20256,422.43,702.9-6,777.9 8. 8.2.1.1.3 202516,767.369.3% 8.2.1.1.4 20256,167.32022233,758.2202567,310.9202224.4%20256.4% 8. 8.2.1.1.5 8.2.1.2 202572,084.235.9% 8.2.1.2.1 8. 202512.875bp27,980.04,375.713.5% 8.2.1.2.2 20255,801.03.9%411.13%5.43 8.2.1.2.3 202533,791.937,160.252.4%202513.815.28 8.2.1.2.4 20254,159.642.3% 8. 8.2.1.3 20251,168.6 8.2.1.4 20251231(1)(2) (1) (2) 5 8. 202569,410.5108.5%14,357.3121.5%202512 31914,419.89.7% 202513,460.820251231148,932.0 8. 8.2.2 8. 8. 8.2.2.1 202512311,057,023.97.4%(1)(2)(3)(4) 8.2.2.1.1 2025123174,532.714.8% 8.2.2.1.2 8. 20251231387,281.814.6% 20251231188,218.96.3%2025 20251231 8.2.2.1.3 (1)(2) 8. 20251231213,586.412.8%69.3% 8. 20252025123164,240.841.7% 202520251231149,345.610.8% 8.2.2.1.4 8. 8.2.2.2 202512311,003,875.57.4%(1)(2) 8.2.2.2.1 20251231786,414.811.3%202512.8 8.2.2.2.2 20251231163,063.70.9% 8.2.3 202512311,536.0202412312,746.0285.420241231552.9 8. 8.2.4 8. 8.3 (1)(2) 8.3.1 (1)(2)(3)(4)(5) 2025202520251231914,419.89.7%202569,410.514,357.3121.5% 8. 8. 8.3.1.1 202547,396.015.7% (2) 20256,401.33,564.3-6,255.4 202538.3%2,884.7107.7% 8. 202535,015.473.8%20251231121,442.264.0%4 (1)(2)(3)(4)(5)(6) 8. 8.3.1.2 2025 202580,896.355.4%8,270.754.7%20251231178,893.941.8% 20251231115,211.2 8. (1)(2)(3)(4)(5)(6) 8. 8.3.1.3 (1)(2) 202553,751.9 8. 8.3.1.4 20256894312024113,110.8202563,129.0 (1) (2) (3) 8. 8.3.1.5 2025616.627.0% 2025171.2284.7% 8.3.2 202513,460.8 202510,976.820251231185,022.2 8.3.3 8. 8.3.4 18.31.D232(4)(4A) 8.3.5 8.3.5.1 IDC8(DCMM)12 8.3.5.2 2.0AIAI+DeepSeekQwen3AI 8. 8.3.6 8.3.6.1 2025 8.3.6.2 202512314,73854.5%50 2025123153%47% 2013 8.3.6.3 8.3.6.4 8. 8.4 2025 8.4.1 2023-2025 8.4.2 2025 8. 8.4.3 2025 8.4.4 8.4.5 8. 8.4.6 8.4.7 8.4.8 12. 8.4.9 8. 8.4.10 8.5 [2017]562025 202412312025123115.69%16.52% 2024123120251231610.1:17.8:1 8. 8.6 2026 20262026 2026 2026 9. 9.1 20251231 9.2 9.2.1 20251231XV23336 9. (1)2025123144,884,417,767H35,362,261,280(2)2025123180,246,679,047(3)202331021,230,929,783(4)20232151,960,784,313H(5)202211281,960,784,313H 9.2.2 5% 9. 17 19994 2017926 10. 10.1 (2)2025112720252026115 (6)202211112026228 10. 10.1.1 20224202232018102018112023320209202432024320241200267 202312022102022919947201142017102016820171020201020213202312002672025360198803988199472006120157 10. 10.1.2 2026119917201942019620261 2022520057200882019520213202412202412 20234199672000920009200422004220181020181020209202092022920229202511202511 10. 10.1.3 2019320038201062008720081020091201082010720167201862021100065620225WDH2012320121220174603313201322017960178806178201432020620151020174300104201622017126013772018520216002707 2020101985201020106201666019390093920163201766013360133620176201972020220232601188202012 10. 20231208168017980089800430SPDBInternational HoldingsLimited16200492013800590200162014508025201162014500525200292015600755201722026208168ICAEW(FCACF)(FRICS)(FCIArb.)(TEP) 10.1.4 720017202142022112023220237 10. 10.2 10. 2022102023110.1.1 2022419969 202410200972015720161220171217201722019320261001965202626018180681820096 10. 202532006820081Leeds MetropolitanUniversity 202522022620256601600026002024860100620241102380 20251220251119968199912001220064200642008220082201342013420161201612016122017620181120186201811201952024320247202412025720247202512 10. 2025121992720109201882018920197202012 20197200110198971997920001200012000120024200242006720067200810200810200932009320128201282019102013920171201910201872019720187202131989720051 2023112004820058201222012320138201392023720048200911 10. 10.3 10.3.1 202542320255282024202572202542342452874 2025620202571520252025620715 2025117202511272025202611520262282025117112720261 20228 202625202626 20262282026228 202622820262282026228 202622820262282026228 202211112026228202211112026228 10. 20253282025328 10.3.2 202520251230202511711271231 10.3.3 2024126202521320241262025216 20241262025327202412620253 28 202412 62025113202412620251111 20251119202512292025111920251230 202