---
title: "商業國際銀行(ADR) (CIBEY.US) — 財務報表"
type: "Symbol"
locale: "zh-HK"
url: "https://longbridge.com/zh-HK/quote/CIBEY.US/norm.md"
symbol: "CIBEY.US"
name: "商業國際銀行(ADR)"
parent: "https://longbridge.com/zh-HK/quote/CIBEY.US.md"
datetime: "2026-05-20T23:52:35.374Z"
locales:
  - [en](https://longbridge.com/en/quote/CIBEY.US/norm.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/CIBEY.US/norm.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/CIBEY.US/norm.md)
---

# 商業國際銀行(ADR) (CIBEY.US) — 財務報表

## 損益表 (USD)

| 指標 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| 每股收益 | 0.0843 | 0.0305 | 0.1657 | 0.0882 | 0.0854 |
| ROE | 28.06% | 9.23% | 56.11% | 35.53% | 38.06% |
| 營業收入 | 606.56M | 701.73M | 776.61M | 588.59M | 561.27M |
| 凈利潤 | 288.30M | 106.22M | 561.83M | 298.39M | 292.20M |
| 凈息差 | - | - | - | - | - |
| 利息與非息 | 545.89M | 611.81M | 569.04M | 520.68M | 502.46M |
| 貸款損失準備 | 597.73M | 683.94M | 617.74M | 580.21M | 562.93M |

## 資產負債表 (USD)

| 指標 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| 資產與負債 | 28.80B | 30.23B | 28.21B | 26.49B | 24.97B |
| 權益乘數 | 7.25 | 6.23 | 6.52 | 7.45 | 7.98 |
| 每股凈資產 | 1.18 | 1.44 | 1.28 | 1.06 | 0.9331 |
| 資產周轉率 | - | - | - | - | - |
| 存款與貸款 | 22.57B | 23.34B | 21.95B | 21.02B | 19.87B |
| 不良與核銷 | 206.52M | 207.64M | 274.23M | 268.44M | 266.14M |
| 資本充足率 | - | - | - | - | - |
| 撥備覆蓋率 | 336.99% | 350.93% | 276.24% | 335.71% | 332.26% |

## 現金流量表 (USD)

| 指標 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
| --- | --- | --- | --- | --- | --- |
| 經營現金流 | -920.75M | -2.09B | 1.79B | -2.46B | 2.50B |
| 投資現金流 | -205.78M | -1.05B | -1.82B | -544.76M | -931.09M |
| 融資現金流 | 1.85B | 1.32B | 8.61M | 1.05B | 423.84M |
| 自由現金流 | - | - | - | - | - |

## 分紅方案

**股息率**: 4.53

### 分紅歷史

| 描述 | 登記日 | 除息日 | 付息日 |
|-------------|-------------|---------|--------------|
| 1股派息 
0.112577美元 | 2026-04-06 | 2026-04-06 | 2026-04-16 |
| 1股派息 
0.048493美元 | 2025-04-07 | 2025-04-07 | 2025-04-17 |
| 1股派息 
0.011447美元 | 2024-04-19 | 2024-05-01 | 2024-05-16 |