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浦发银行(600000)公告正文

浦发银行:2012年年度报告摘要

公告日期 2013-03-14
股票简称:浦发银行 股票代码:600000
2012 年年度报告摘要




               上海浦东发展银行股份有限公司
                   2012 年年度报告摘要

      一、重要提示
      1.1     提示:本年度报告摘要摘自年度报告全文,投资者欲了解详细内容,应当仔细阅
读同时刊载于上海证券交易所网站上的本公司年度报告全文。
      1.2 公司基本情况简介
 股票简称              浦发银行                              股票代码               600000
 股票上市交易所        上海证券交易所
 联系人和联系方式                   董事会秘书                              证券事务代表
 姓      名            沈   思                               杨国平、吴   蓉
 电      话            021-63611226                          021-61618888 转董事会办公室
 传      真            021-63230807                          021-63230807
 电子邮件              Shens2@spdb.com.cn                    Yanggp@spdb.com.cn;wur2@spdb.com.cn


       二、主要财务数据和股东变化
       2.1 主要财务数据
                                                                                   单位: 人民币百万元
                                  2012 年         2012 年      2011 年      本年比上年        2010 年
        主要会计数据
                                  境内审计        境外审计   境内审计数        增减(%)       境内审计数
资产总额                         3,145,707       3,145,707    2,684,69          17.17        2,191,411
归属于上市公司股东的净资产        177,497         177,497      148,890          19.21          122,996
经营活动产生的现金流量净额         92,578           92,578     189,778         -51.22          -12,060
营业收入                           82,952           83,294      67,918          22.14           49,856
归属于上市公司股东的净利润         34,186           34,186      27,286          25.29           19,177
归属于上市公司股东的扣除非
                                   33,748           34,186      27,051          24.76           18,993
经常性损益的净利润
                                                                             上升 0.88
加权平均净资产收益率(%)           20.95           20.95        20.07                           23.27
                                                                               个百分点

基本每股收益(元/股)              1.833           1.833        1.463          25.29            1.234
稀释每股收益(元/股)              1.833           1.833        1.463          25.29            1.234
   注:(1)非经常性损益根据《中国证券监督管理委员会公告2008 年第43号—公开发行证券的公司信息
披露解释性公告第1 号--非经常性损益》的定义计算。
      (2)报告期内,公司将债券投资利息收入取得的现金从经营活动重分类到投资活动,并对以前年度现
金流量表的相关指标进行重述。



                                                    1
2012 年年度报告摘要




       2.2 前十名股东持股情况
                                              年度报告披露日前第 5 个
报告期末股东总数               411643                                               404222
                                                    交易日末股东总数
                                                                          持有有限售条       质押或冻
股东名称                                        持股总数        比例(%)
                                                                           件股份数量        结股份数
中国移动通信集团广东有限公司                  3,730,694,283     20.000%   3,730,694,283          -
上海国际集团有限公司                          3,157,513,917     16.927%         -               -
上海国际信托有限公司                            975,923,794      5.232%         -               -
上海国鑫投资发展有限公司                        377,101,999      2.022%         -               -
百联集团有限公司                                190,083,517      1.019%         -               -
雅戈尔集团股份有限公司                          176,900,000      0.948%         -               -
中国烟草总公司江苏省公司(江苏省烟草公司)      160,880,407      0.862%         -                   -
中信证券股份有限公司客户信用交易担保账户        156,086,170      0.837%         -               -
纳爱斯集团有限公司                              153,224,629      0.821%         -               -
中国太平洋人寿保险股份有限公司-分红-个人      126,343,926      0.677%         -                   -
分红
       公司与合并持股第一大股东上海国际集团有限公司及其关联公司之间的股权关系如下:


                                  上海市国有资产监督管理委员会

                                                          持股100%

                                              持股66.33%
                                        上海国际集团有限公司
        持股100%                                          持股66.33%                      持股100%

  上海国有资产经营有限公司                 上海国际信托有限公司                 上海国际集团
       持股100%                                                               资产管理有限公司

                                        持股 16.927%      持股 5.232%               持股 0.138%
  上海国鑫投资发展有限公司

           持股 2.022%
                                   上海浦东发展银行股份有限公司




        三、管理层讨论与分析
   (一)公司整体经营情况
       2012 年是公司新五年发展战略规划实施的关键之年。面对欧美经济明显放缓,新兴市
场增速回落,国内经济面临下行压力的情况,公司认真贯彻落实国家宏观调控政策和监管要
求,积极服务实体经济,大力推进经营转型,持续优化业务结构,切实加强风险防控,使各
项工作平稳健康发展,实现了董事会确定的目标。
       ——报告期内公司实现营业收入为 829.52 亿元,比 2011 年增加 150.34 亿元,增长
22.14%;实现税前利润 447.54 亿元,比 2011 年增加 89.15 亿元,增长 24.88%;税后归属

                                                2
2012 年年度报告摘要


于上市公司股东的净利润 341.86 亿元,比 2011 年增加 69.00 亿元,增长 25.29%。报告期
内公司生息资产规模稳步扩张、中间业务收入同比增加、成本费用有效控制是盈利增长的主
要驱动因素。随着公司盈利的提升,2012 年公司平均资产利润率为 1.18%,比 2011 年末上
升了 0.06 个百分点;加权平均净资产收益率为 20.95%,较 2011 年上升了 0.88 个百分点。
报告期内,公司继续努力控制各类成本开支,成本收入比率为 28.71%,较 2011 年的 28.79%
继续下降 0.08 个百分点。
       ——报告期末公司资产总额为 31,457.07 亿元,比 2011 年底增加 4,610.13 亿元,增长
17.17%;本外币贷款余额为 15,445.53 亿元,比 2011 年底增加 2,131.17 亿元,增幅 16.01%。
公司负债总额 29,660.48 亿元,其中,本外币存款余额为 21,343.65 亿元,比 2011 年底增
加 2,833.10 亿元,增幅 15.31%,存款余额在股份制银行中位居上游水平。期末存贷比为
72.21%,严格控制在监管标准之内。
       ——报告期内公司信贷业务发展以及资产质量情况较为平稳,资产保全工作持续稳步推
进,不良贷款余额和不良贷款率小幅反弹。截至报告期末,按五级分类口径统计,公司后三
类不良贷款余额为 89.40 亿元,比 2011 年底增加 31.13 亿元;不良贷款率为 0.58%,较 2011
年末上升 0.14 个百分点; 不良贷款准备金覆盖率达到 399.85%,在国内同业处较领先地位。
       ——报告期末归属于上市公司股东的所有者权益为 1,774.97 亿元,比 2011 年底增加了
19.21%;资本总额为 2,387.11 亿,比 2011 年底增加了 18.08%;加权风险资产为 18,570.66
亿元,比 2011 年底增加 2,968.86 亿元,增长 19.03%。由于加权风险资产增幅大于资本额
增幅,核心资本充足率由 2011 年末的 9.20%降至 8.97%,资本充足率从 2011 年末的 12.70%
略降至 12.45%。

       (二)主营业务分析
       1、营业收入、营业利润、净利润、现金及现金等价物增加额
                                                                              单位:人民币百万元
        项目                      2012 年度                  2011 年度               增减%
营业收入                              82,952                     67,918                 22.14
营业利润                              44,419                     35,757                 24.22
归属于上市公司股东净利润              34,186                     27,286                 25.29
现金及现金等价物增加额               -20,454                    145,032               -114.10
    变动的主要原因:(1)营业收入增长的原因是:生息资产规模持续增长、手续费收入同比增加。
   (2)营业利润增长的原因是:营业收入增长、成本费用控制。
   (3)净利润增长的原因是:受益于营业利润同比持续增长。
   (4)现金及现金等价物增加额减少的原因是:由于资产规模扩张,经营活动产生的净现金流减少。

       2、营业收入情况:2012年公司实现营业收入人民币829.52亿元,比上年增长22.14%。
其中营业收入中利息净收入占比为88.44%,比上年下降2.02个百分点,手续费及佣金净收入
的占比为10.54%,比上年上升0.65个百分点。
       3、业务收入变动情况                                                    单位:人民币百万元

项目                               金额            占业务总收入比重(%)   较上年同期增减(%)
贷款收入                          99,035                       61.74                   28.70
拆借收入                           5,275                        3.29                  121.83
存放央行收入                       6,146                        3.83                   24.99
存放同业及其他金融机构收入        10,563                        6.58                   85.41

                                               3
 2012 年年度报告摘要



 买入返售收入                           14,318                             8.93                      -34.09
 债券投资收入                           14,541                             9.06                       53.76
 手续费及佣金收入                         9,321                            5.81                       29.37
 租赁利息收入                                 332                          0.21                           /
 其他收入                                     877                          0.55                           /
 合     计                             160,408                        100.00                          25.14


        (三)公司财务状况与经营成果分析
         1、主要财务数据增减变动幅度及原因
                                                                                               单位:人民币百万元
        项目             2012 年 12 月 31 日 2011 年 12 月 31 日 增减%            主要原因
 资产总额                     3,145,707               2,684,694            17.17   发放贷款及同业资产规模增加
 股权投资                            2,464                  1,857          32.69   新增浦发硅谷银行投资款
 固定资产                            8,781                  8,137           7.91   固定资产投入加大
 负债总额                     2,966,048               2,535,152            17.00   吸收存款及同业负债规模增加
                                                                                   采用贵金属组合对冲策略,已
 投资收益                               76                    194         -60.82   实现投资收益虽减少,但对冲
                                                                                   工具公允价值估值增加
归属于上市公司股东权益             177,497              148,890            19.21   经营利润积累


        2、会计报表中变动超过 30%以上项目及原因                                              单位:人民币百万元
                         2012 年       2011 年
 项目                                                      增减%    报告期内变动的主要原因
                       12 月 31 日    12 月 31 日
 贵金属                     6,673               683         877.01   报告期适时加大黄金现货投资规模
 交易性金融资产            18,441             5,867         214.32   期末持有交易性债券头寸增加
 衍生金融资产                 907               549          65.21   公允价值估值变化所致
 分类为贷款和应收                                                    期末持有金融债头寸及信托受益权投资增
                          159,734             8,760    1,723.45
 款类的投资                                                          加
 长期股权投资               2,464             1,857          32.69   新增浦发硅谷银行投资款
 在建工程                   1,320               457         188.84   新建办公用楼,在建工程投入增加
                                                                     贷款及其他资产减值准备造成的递延所得
 递延所得税资产             5,636             4,270          31.99
                                                                     税资产增加
                                                                     期末黄金交易利率互换业务存出保证金增
 其他资产                  16,111             4,834         233.29
                                                                     加,应收融资租赁款规模增加
 向中央银行借款               115                50         130.00   村镇银行向中央银行借款增加
 拆入资金                  32,466            66,970         -51.52   境内银行拆入款项减少
 应付债券                  68,600            32,600         110.43   12 年新发行次级债及小企业金融债
 其他负债                  57,254            22,379         155.84   期末未到期保本理财产品增加
 未分配利润                48,986            30,188          62.27   经营利润的积累


 项目                  2012 年度      2011 年度            增减%    报告期内变动的主要原因
 手续费及佣金净收入         8,746             6,717         30.21    收入结构优化,手续费及佣金净收入增加
                                                                     采用贵金属组合对冲策略,已实现投资收益
 投资收益                      76               194        -60.82
                                                                     虽减少,但对冲工具公允价值估值增加
                                                       4
2012 年年度报告摘要



                                                                             市场利率波动导致衍生金融工具公允价值
公允价值变动损益                 -180              -860            79.07
                                                                             变动
汇兑收益                           417              243            71.60     人民币汇率波动,汇兑收益增长
其他业务收入                       531              183           190.16     经营租赁及其他业务收入增长
其他业务成本                       342              209            63.64     其他业务支出增长
营业外收入                         434              157           176.43     非流动资产处置收入较去年增加
营业外支出                          99                75           32.00     非流动资产处置损失较去年增加

       3、对财务状况与经营成果造成重大影响的表外项目情况
                                                                                                   单位: 人民币百万元
               项目                                2012 年 12 月 31 日                       2011 年 12 月 31 日
信贷承诺                                                     792,451                                   685,626
其中:银行承兑汇票                                            521,767                                   370,981
       信用证下承兑汇票                                       37,681                                    25,616
       开出保函                                               54,784                                    47,854
       开出信用证                                            120,024                                   198,422
       信用卡尚未使用授信额度                                 58,195                                    42,753
租赁承诺                                                          7,375                                  5,817
资本性支出承诺                                                      331                                      415
     说明:信用卡尚未使用授信额度为扣除休眠卡后的尚未使用的授信额度。上述表外项目对公司财务状
况和经营成果可能会产生一定影响,其最终结果需由未来相关事项的发生或不发生加以决定。在未来一定
条件下,根据或有事项的确认原则,有可能转化为公司的现实义务。

       (四)资产情况分析
       报告期末公司资产总额为 31,457.07 亿元,比 2011 年底增加 4,610.13 亿元,增长 17.17%。
       1、按产品类型划分的贷款结构及贷款质量                                                       单位: 人民币百万元
                           2012 年 12 月 31 日                                           2011 年 12 月 31 日
                                                            不良贷款                            不良贷款        不良贷款
                      贷款总额           不良贷款总额                             贷款总额
                                                            率(%)                             总额            率(%)
公司贷款               1,180,245                  7,514            0.64          1,046,136         4,968            0.47
票据贴现                  55,124                      -               -             23,995               -                -
个人贷款                 309,184                  1,426            0.46            261,305             859          0.33
总计                   1,544,553                  8,940            0.58          1,331,436         5,827            0.44
       截至报告期末,公司贷款占比76.41%,较期初下降2.16个百分点,个人贷款占比20.02%,较期初上升
0.39个百分点,票据贴现占比3.57%,较期初上升1.77个百分点。

       2、个人贷款结构                                                                             单位: 人民币百万元
                                            2012 年 12 月 31 日                          2011 年 12 月 31 日
                                                      占总贷款 不良贷款                           占总贷款 不良贷
                                    贷款余额          比例(%) 率(%)             贷款余额      比例(%) 款率(%)
个人住房及商用房贷款                 157,486               50.93          0.26        147,974           56.63       0.24
个人经营贷款                         100,699               32.57          0.68         77,717           29.74       0.35
信用卡                                   18,858             6.10          1.55         11,826            4.53       1.63
其   他                                  32,141            10.40          0.14         23,788            9.10       0.14
合   计                              309,184              100.00          0.46        261,305          100.00       0.33


                                                              5
2012 年年度报告摘要




       3、买入返售金融资产情况                                                              单位: 人民币百万元
                              2012 年 12 月 31 日                                       2011 年 12 月 31 日
     品种
                           余额                 占比(%)                   余额                     占比(%)
债券                         3,500                      1.31                  9,910                          3.52

票据                       258,520                     96.79                271,600                         96.48
信托受益权                   5,069                      1.90                        -                             -
合     计                  267,089                 100.00                   281,510                        100.00

       4、投资情况
       截至报告期末,公司投资净额4,722.25亿元,较期初增加1,551.44亿元,增长48.93%
                                                                                             单位: 人民币百万元

                                     2012 年 12 月 31 日                                 2011 年 12 月 31 日
     项目
                                  余额                占比(%)              余额                    占比(%)
可供出售金融资产                  150,741                   31.92            147,929                   46.65
分为贷款和应收款类投资            159,734                   33.83              8,760                       2.76
持有至到期投资                    159,286                   33.73            158,535                   50.00
长期股权投资                         2,464                   0.52              1,857                       0.59
合     计                         472,225                  100.00            317,081                  100.00
       对外股权投资情况                                                              单位:人民币百万元
报告期内公司投资额                                                                 2,464
报告期内公司投资额比上年增减数                                                       607
报告期内公司投资额增减幅度(%)                                                      32.69


       对外企业股权情况                                                                     单位:人民币百万元
                                                                                           报告期
                                             持有数              占该公司    报告期
所持对象名称                 投资金额                                                      所有者            备注
                                             量(股)        股权比(%)      损益
                                                                                         权益变动
申联国际投资有限公司              286              /                16.50      25              /       成本法核算
中国银联股份有限公司              104         90,000                3.715       3                /         成本法核算
华一银行                          824              /                   30     117              -3          权益法核算
浦银安盛基金管理有限公司             22            /                   51     -17                /         权益法核算
莱商银行                          738              /                   18      28                /         成本法核算
浦发硅谷银行                      490              /                   50      -8                /         权益法核算
合计                            2,464              /                    /     148              -3                     /
     注:报告期损益指该项投资对集团报告期净利润的影响。
                                                                                             单位: 人民币百万元
                                             2012年12月31日                             2011年12月31日
 对合营公司的投资                                          512                                        18
 对联营公司的投资                                          824                                       711
 其他长期股权投资                                      1,128                                    1,128
 合计                                                  2,464                                    1,857
      注:公司合营公司包括浦银安盛基金管理有限公司、浦银硅谷银行有限公司;联营公司包括华一银行;
其他长期股权投资包括:申联国际投资有限公司、中国银联股份有限公司、莱商银行。



                                                       6
2012 年年度报告摘要



    (五)负债情况分析
    截至报告期末,公司负债总额为29,660.48亿元,较期初增加4,308.96亿元,增长17.00%。
    1、客户存款构成                                                                     单位: 人民币百万元

                                    2012 年 12 月 31 日                        2011 年 12 月 31 日
   项目
                      余额           占比(%)      平均利率(%)       余额        占比(%) 平均利率(%)
活期存款
其中:公司存款         628,074            29.43                0.61     582,970         31.49          0.61
        个人存款           97,748            4.58              0.43      86,572          4.68          0.49
定期存款
其中:公司存款         757,502            35.49                3.32     647,712         34.99          3.05
        个人存款       293,717            13.76                2.54     236,346         12.77          2.26

    2、同业及其他金融机构存放款项                                                       单位: 人民币百万元

                                        2012 年 12 月 31 日                    2011 年 12 月 31 日
   交易对方
                                      余额            占比(%)           余额                  占比(%)
   银行同业                          365,536               66.88         330,339                     74.92
   非银行同业                        181,028               33.12         110,569                     25.08
   合      计                        546,564              100.00         440,908                   100.00

    3、卖出回购金融资产情况                                                            单位: 人民币百万元

                                         2012 年 12 月 31 日                     2011 年 12 月 31 日
   品种
                                      余额                占比(%)        余额                 占比(%)
   债券                               77,299                    91.43      76,022                    88.38
   票据                                7,241                     8.57          9,998                 11.62
   合      计                         84,540                   100.00      86,020                  100.00


    (六)利润表分析
    报告期内各项业务持续快速发展,生息资产规模稳步扩张,中间业务收入快速增长;成
本收入比继续保持较低水平,实现归属于母公司股东净利润 341.86 亿元,同比增长 25.29%。
                                                                                        单位: 人民币百万元
   项目                                             2012年度                           2011年度
   营业收入                                          82,952                             67,918
   其中:净利息收入                                  73,362                             61,441
            非利息净收入                              9,590                              6,477
   营业税金及附加                                     6,258                              4,899
   业务及管理费                                      23,814                             19,553
   资产减值损失                                       8,119                              7,500
   其他业务成本                                           342                               209
   营业外收支净额                                         335                                82
   税前利润                                          44,754                             35,839
   所得税                                            10,443                              8,484
   净利润                                            34,311                             27,355
   少数股东损益                                           125                                69
   归属于母公司股东的利润                            34,186                             27,286


                                                           7
2012 年年度报告摘要


      1、利息收入                                                    单位: 人民币百万元

                                     2012 年度                               2011 年度
     项     目
                              余额               占比(%)    余额                    占比(%)
 公司贷款利息收入             76,054                  50.62    60,818                     50.17
 个人贷款利息收入             18,054                  12.02    13,710                     11.31
 贴现利息收入                  4,927                   3.28     2,425                      2.00
 存放同业利息收入             10,563                   7.03     5,697                      4.70
 存放中央银行利息收入          6,146                   4.09     4,917                      4.06
 拆出资金利息收入              5,275                   3.51     2,378                      1.96
 买入返售利息收入             14,318                   9.53    21,723                     17.92
 投资利息收入                 14,517                   9.66     9,541                      7.87
 租赁利息收入                    332                   0.22           -                       -
 其他利息收入                     57                   0.04          12                    0.01
 合       计                 150,243                 100.00   121,221                    100.00


      2、利息支出                                                          单位: 人民币百万元

                                         2012 年度                        2011 年度
     项目
                              余额               占比(%)    余额                    占比(%)
 存款利息支出                47,070                   61.22    33,056                     55.30
 发行债券利息支出             2,837                    3.69       908                      1.52
 同业往来利息支出            23,603                   30.70    20,633                     34.51
 向中央银行借款利息支出              4                 0.01           7                    0.01
 卖出回购利息支出             3,320                    4.32     4,519                      7.56
 其他利息支出                    47                    0.06       657                      1.10
 合       计                 76,881                  100.00    59,780                    100.00


      3、非利息净收入                                                        单位: 人民币百万元

                                     2012 年度                            2011 年度
     项目
                              余额               占比(%)    余额                    占比(%)
手续费及佣金净收入             8,746                  91.20     6,717                    103.71
其中: 手续费及佣金收入         9,321                  97.19     7,205                    111.24
          手续费及佣金支出      -575                  -5.99      -488                     -7.53
投资收益                          76                   0.79       194                      3.00
公允价值变动损益                -180                  -1.88      -860                    -13.28
汇兑损益                         417                   4.35       243                      3.75
其他业务收入                     531                   5.54       183                      2.82
合     计                      9,590                 100.00     6,477                    100.00


      4、业务及管理费
      报告期内,公司业务及管理费支出238.14亿元,同比增加42.61亿元,增长21.79%。
                                                                             单位: 人民币百万元

     项目                            2012 年度                            2011 年度
                              余额               占比(%)    余额                    占比(%)
员工工资、奖金、津贴          11,774                  49.44     9,815                     50.20
                                                     8
2012 年年度报告摘要



福利费                               305                  1.28                       234                       1.20
社会保险                          1,397                   5.87                     1,195                       6.11
住房公积金                           533                  2.24                       463                       2.37
工会经费和职工教育经费               380                  1.60                       472                       2.41
租赁费                            1,549                   6.50                     1,267                       6.48
折旧及摊销费                      1,590                   6.68                     1,392                       7.12
电子设备运转及维护费                 599                  2.52                       435                       2.22
税金                                 184                  0.77                       145                       0.74
其他业务费用                      5,503                23.10                       4,135                      21.15
合计                             23,814               100.00                      19,553                     100.00

       5、资产减值损失                                                                           单位: 人民币百万元

   项目                                  2012 年度                                            2011 年度
                                 余额            占比(%)                        余额                    占比(%)
 发放贷款和垫款                   7,587                93.45                       7,159                      95.45
 其他应收账款                        210                  2.59                       205                       2.73
 抵债资产                             78                  0.96                           83                    1.11
 应收利息                             70                  0.86                           53                    0.71
 应收融资租赁款                      174                  2.14                            -                        -
 合计                             8,119               100.00                       7,500                     100.00

       6、所得税费用                                                                             单位: 人民币百万元

       项      目                                          2012 年度                               2011 年度
   税前利润                                                      44,754                                   35,839
   按法定税率 25%计算之所得税                                    11,189                                    8,960
   以前年度汇算清缴差异                                                27                                    -14
   不得抵扣的费用                                                   277                                      325
   免税收入                                                      -1,051                                     -787
   子公司未确认的税务亏损                                               1                                      -
   所得税费用                                                    10,443                                    8,484


       (七)股东权益变动分析:
       报告期末归属于上市公司股东的所有者权益为1,774.97亿元,比2011年底增加了286.07
亿,增幅19.21%。通过自身净利润积累,公司适时补充了资本。
                                                                                                 单位: 人民币百万元
                                2012 年 12 月 31 日          2011 年 12 月 31 日                     变动比例%
股本                                    18,653                      18,653                                     -
资本公积                                59,560                      59,543                                  0.03
盈余公积                                27,248                      21,806                                 24.96
一般风险准备                            23,050                      18,700                                 23.26
未分配利润                              48,986                      30,188                                 62.27
归属于母公司股东权益合计             177,497                       148,890                                 19.21
少数股东权益                             2,162                              652                           232.10
股东权益合计                         179,659                       149,542                                 20.14

                                                      9
2012 年年度报告摘要



    (八)核心竞争力分析
    公司确立了清晰的发展战略,实施以客户为中心的基本策略,推进创新驱动、转型发展,
能够有效应对复杂环境和市场竞争。公司业务继续保持领先优势,公司培育了一批高质量的
核心客户,在银团贷款、国际保理以及绿色金融、直接股权基金业务、养老金等创新业务领
域,公司形成了鲜明的特色并处于同业领先地位。公司坚持审慎高效的风险管理,建立了全
面风险管理体系,积极推动新资本协议的实施和运用,不良贷款率显著低于行业平均水平,
资产质量长期保持在同业前列。拥有战略性的经营网络布局和高效的营销渠道,分支机构已
基本覆盖全国各省区直辖市,在中国经济发展水平领先的长三角地区实现了地级市网点全覆
盖,同时通过扩展完善全方位的电子银行渠道大幅提升了本行产品与服务的覆盖面。公司高
管人员拥有丰富的金融业从业和管理经验,构建了一支专业化、高素质的员工队伍。
    (九)公司 2013 年发展计划与措施
    1、2013 年公司经营管理工作的指导思想
    深入贯彻党的十八大和中央经济工作会议精神,落实银行业监管工作会议要求,按照公
司董事会确定的方向,坚定不移地推进五年战略规划实施,以客户为中心,创新驱动,转型
发展,有效服务实体经济,不断加强风险管理,切实提升经营效益,着力重点领域突破;深
化改革,努力打造科学管理的现代金融服务企业。
    2、2013 年度经营计划
    ——资产总额规模达到3.45万亿元左右,保持不低于10%的增幅水平;
    ——本外币各项贷款余额达到1.7万亿元左右,增幅达到12%以上;
    ——本外币各项存款余额达到2.4万亿元左右,增幅超过12%;
    ——税后利润增幅达到12%以上,超过资产总额增幅水平;
    ——年末不良贷款率,按“五级分类”口径,控制在 0.75%以内。
    3、2013 年度公司主要措施
    公司将统筹兼顾,以客户为中心,实现主营业务合理有效增长,防范各领域的经营风险,
提升基础管理水平,为转型发展和改革突破奠定良好基础。主要措施如下:
    ——以客户为中心,提升经营业绩和市场竞争力。一是围绕客户需求,推进资产业务的
有效发展;二是深化客户关系,提升负债拓展能力;三是加强客户服务,推动支付结算业务
持续发展;四是促进客户经营,加强整合营销和交叉销售。
    ——严守风险底线,全面加强风险管理。一是加强重点领域风险管控,切实维护经营成
果;二是加强全面风险管理,严守各领域风险防线;三是持续推进合规内控体系建设;四是
加强审计工作,保持案件防控高压态势;五是积极探索科学合理的风险管理模式,构建安全
有效的风险防线。
    ——强化基础管理,不断提升精细化管理水平。一是积极运用新资本协议成果推动全行
战略转型;二是强化信息科技的驱动支撑能力;三是持续打造卓越运营与服务体系;四是积
极推进机构建设的战略性布局。
    ——推进重点领域突破,带动转型发展。一是打造投行业务品牌,巩固和提升对公业务
优势;二是加强金融机构与金融市场业务,提升跨市场运作水平,对发展形成新的支撑;三
是深化中小企业与小微企业业务专营模式,持续推进客户定位下沉;四是强化财富管理业务,
增强为客户创造价值的能力;五是加大电子银行推广力度,推动移动金融突破。

                                        10
2012 年年度报告摘要


    ——推进体制机制变革,激发全行整体活力。一是优化管理体制,理顺责权利关系;二
是完善机制建设,提升经营管理效率;三是加强人才培养与企业文化建设。
    (十)公司 2012 年度利润分配预案
    根据经审计的 2012 年度会计报表,母公司共实现净利润 340.42 亿元,2012 年初未分
配利润为 301.10 亿元,扣除 2011 年度各项利润分配事项 153.87 亿后,本次实际可供分配的
利润为 487.65 亿元。此外,按照财政部《金融企业准备金计提管理办法》(财金[2012]20
号)的规定,从事存贷款业务的金融企业,应在税后净利润中按一定比例计提一般准备,一
般准备余额占风险资产期末余额的比例不低于 1.5%,可分年到位,原则上不得超过 5 年。
从此规定,公司 2012 年起,每年一般准备余额与风险资产的最低比例在原定 1%的基础上,
每年提高 0.1 个百分点,至 2016 年达到财政部规定的 1.5%。2012 年度拟从净利润中提取
64.00 亿元的一般准备,使一般准备的余额达到 294.50 亿,不低于期末主要风险资产余额
的 1.1%。
    根据上述情况,公司拟定 2012 年度预分配方案如下:
    1、按当年度税后利润 10%的比例提取法定盈余公积,共计 34.04 亿元;
    2、按当年度税后利润 20%的比例提取一般任意盈余公积,共计 68.08 亿元;
    3、提取一般准备 64.00 亿元;
    4、以 2012 年末总股本 18,653,471,415 股为基数,向全体股东每 10 股派送现金股利
5.5 元人民币(含税),合计分配 102.59 亿,与年度实现的净利润之比不低于 30%;
      上述分配方案执行后,结余未分配利润 218.94 亿元,结转到下一年度,按照银监会
对商业银行资本充足的有关要求,留做补充资本。


   四、银行业务信息与数据
   1、公司前三年主要财务会计数据                                             单位:人民币百万元
               项目              2012 年 12 月 31 日   2011 年 12 月 31 日   2010 年 12 月 31 日
资产总额                               3,145,707            2,684,694             2,191,411
负债总额                               2,966,048            2,535,152             2,068,131
存款总额                               2,134,365            1,851,055             1,640,460
其中:企业活期存款                       628,074              582,970               623,228
      企业定期存款                       757,502              647,712               573,013
      储蓄活期存款                        97,748                86,572               83,035
      储蓄定期存款                       293,717              236,346               193,087
贷款总额                               1,544,553            1,331,436             1,146,489
其中: 正常贷款                        1,535,613            1,325,609             1,140,610
       不良贷款                             8,940                5,827                5,879
同业拆入                                  32,466                66,970               14,415
贷款损失准备                              35,747                29,112               22,376
注:(1)存款总额包括短期存款、短期储蓄存款、短期保证金、应解汇款及临时存款、长期存款、长期储
蓄存款、存入长期保证金、委托资金;
   (2)贷款总额包括短期贷款、进出口押汇、贴现、中长期贷款、逾期贷款、呆滞贷款和呆帐贷款、透
支及垫款、保理业务。




                                               11
2012 年年度报告摘要



                                                                                                 单位:人民币百万元
                项目                      2012 年 12 月 31 日         2011 年 12 月 31 日        2010 年 12 月 31 日
资本净额                                          233,417                    199,764                    153,846
其中:核心资本净额                                 168,072                    144,808                    119,823
       附属资本                                     67,992                     56,153                    34,876
       扣减项                                        5,294                       2,394                     1,705
加权风险资产                                  1,857,066                   1,560,180                 1,278,361


       2、公司前三年主要财务指标
                       项目                  标准值             2012 年              2011 年              2010 年
                                                         期末         平均        年末    平均      年末       平均
  资产收益率                                     ≥0.6         1.09       1.18     1.02     1.12        0.88       1.01
  资本充足率                                      ≥8         12.45    12.38 12.70         11.83      12.02    10.59
  核心资本充足率                                  ≥4          8.97       8.99     9.20     9.17        9.37       7.45
  不良贷款比例                                    ≤5          0.58       0.52     0.44     0.44        0.51       0.65
                                人民币            ≥25        37.57    42.44 42.80         44.12      40.28    43.78
  资产流动性比率                外币              ≥25        36.99    76.24 68.07         55.99      54.54    52.70
                                本外币合计        ≥25        37.54    41.36 43.83         44.82      40.88    44.37
                                人民币            ≤75        71.94    71.56 71.48         70.83      69.76    72.08
  存贷比                        外币              ≤85        77.86    65.69 74.86         81.18      78.17    66.05
                                本外币合计        ≤75        72.21    71.22 71.58         71.12      70.01    71.91
                                拆入资金比        ≤4          1.54     2.16       3.64     1.57        0.88       0.50
  拆借资金比例
                                拆出资金比        ≤8          4.19     5.15       6.03     2.82        1.91       1.79
  单一最大客户贷款比例                            ≤10         2.17     2.45       2.65     3.09        3.30       3.97
  最大十家客户贷款比例                            ≤50        13.97    15.26      16.50    18.70      19.55    24.32
  拨备覆盖率                                     ≥150       399.85 431.49 499.60 448.76 380.56 302.03
注:(1)本表中资本充足率、核心资本充足率、流动性比率、存贷比率、拆借资金比例、单一最大客户贷
款比例、最大十家客户贷款比例按照上报监管机构的数据计算;
  (2)不良贷款率按“五级分类”口径,不良贷款率=(次级类贷款+可疑类贷款+损失类贷款)/贷款总额;
  (3)拨备覆盖率=贷款损失准备金余额/不良贷款余额。


       3、报告期分级管理情况及各层级分支机构数量和地区分布情况
       本行实行一级法人体制,采用总分行制。根据经济效益和经济区划原则,按照全国性
商业银行的发展布局,在国内大中城市以及沿江沿海、东北和中西部地区的重要中心城市
先后设置了分支机构。截止报告期末公司共有 824 个分支机构,具体情况详见下表:
                                                                                           资产规模
序号     机构名称                            地址                          职工数                          所属机构数
                                                                                          (百万元)
 1       总       行          上海市中山东一路12号                           2,640          768,924             823
 2       上海分行             上海市浦东南路588号                            3,530          385,170             130
 3       杭州分行             杭州市延安路129号                              1,929          160,045                45
 4       宁波分行             宁波市江厦街21号                               1,256             93,568              27
 5       南京分行             南京市中山东路90号                             2,340          187,292                62
 6       北京分行             北京市西城区太平桥大街 18 号                   1,387          228,887                42


                                                         12
2012 年年度报告摘要


 7       温州分行       温州市车站大道高联大厦1-3层             812        49,558    19
 8       苏州分行       苏州市人民路1478号                      641        62,782    16
 9       重庆分行       重庆市北部新区高新园星光大道 78 号      655        54,885    21
 10      广州分行       广州市天河区珠江西路12号               1,091       98,727    31
 11      深圳分行       深圳市福田区福华山路国际商会中心        935       130,939    26
 12      昆明分行       昆明市东风西路156号                     545        43,877    17
 13      芜湖分行       芜湖市文化路39-2号                      262        16,169    9
 14      天津分行       天津市河西区宾水道增9号D座              972       111,069   22
 15      郑州分行       郑州市金水路299号                      1,333      135,544    33
 16      大连分行       大连市中山区中山广场3号                 902        83,589    24
 17      济南分行       济南市黑虎泉西路139号                  1,040       86,732    26
 18      成都分行       成都市一环路南一段6号                   546       106,899    21
 19      西安分行       西安市北大街29号                        760        79,634    17
 20      沈阳分行       沈阳市沈河区奉天大街326号               696        60,141    20
 21      武汉分行       武汉市江汉区新华路 218 号               639        82,720    19
 22      青岛分行       青岛市香港西路53路                      501        30,729    14
 23      太原分行       太原市迎泽大街 333 号                   811        62,651    19
 24      长沙分行       长沙市芙蓉中路一段 478 号               664        49,159    16
 25     哈尔滨分行      哈尔滨市南岗区红旗大街 226 号           462        44,732    16
 26      南昌分行       南昌市永叔路 15 号                      505        55,882    13
 27      南宁分行       南宁市金蒲 22 号                        366        36,317    7
 28    乌鲁木齐分行     乌鲁木齐市民主路 87 号                  355        27,636    9
 29      长春分行       长春市人民大街3518号                    373        31,824    9
 30    呼和浩特分行     呼和浩特市大学街28号                    365        29,091    12
 31      合肥分行       合肥市长江西路3号                       419        36,649    13
 32      兰州分行       兰州市广场南路101号                     241        48,225    8
 33     石家庄分行      石家庄市自强路35号                      447        52,172    11
 34      福州分行       福州市湖东路222号                       364        36,006    8
 35      贵阳分行       贵阳市延安中路20号                      169        32,045    3
 36      厦门分行       厦门市厦禾路 666 号之一                 134        15,490    1
 37      香港分行     香港中环夏悫道 12 号美国银行中心 15 楼     84        14,570    0
 38      西宁分行     西宁市城西区微波巷 1 号 1-7 亚楠大厦       69        13,093    0
       总行直属经营
                                                               3,793       17,605    38
           机构
         汇总调整                                                        -536,397   786
         全行总计                                              35,033   3,124,630   824
      注:全行职工数总计数、资产规模总计数、所属机构总计数均不包含控股子公司。




                                                    13
2012 年年度报告摘要



    4、报告期贷款资产质量情况
    4.1 五级分类情况                                                                单位:人民币百万元
        五级分类                   2012 年 12 月 31 日              占比%      与上年同期相比增减(%)
         正常类                             1,518,717                98.33                   15.48
         关注类                               16,896                  1.09                   62.12
         次级类                                2,320                  0.15                       4.13
         可疑类                                5,321                  0.35                  176.70
         损失类                                1,299                  0.08                  -22.50
             合计                           1,544,553               100.00                   16.01


             分类                 2012 年 12 月 31 日               占比%          2011 年 12 月 31 日
        重组贷款                                 30                 0.00                          84
        逾期贷款                             13,839                 0.90                    6,790
    4.2 期末不良贷款情况及采取的相应措施
    按五级分类口径,报告期末,公司后三类不良贷款比例为 0.58%,比 2011 年末上升了
0.14 个百分点。受地域经济影响,公司 2012 年度新增不良贷款主要集中在温州和杭州地区,
其他地区的贷款质量基本稳定。
    公司在控制和化解不良贷款方面主要采取了以下措施:一是根据国家宏观调控政策要
求,实现贷款规模平稳有效增长;二是制定各项信贷政策,对行业投向、区域投向、客户及
产品投向以及风险偏好提出组合管理要求,实现信贷结构有效调整;三是严格贷后检查制度,
着力加强风险监测,尽早识别、控制和化解风险;四是全面开展风险排查,加大对潜在风险
的排查监控力度,严密防范系统性风险,夯实信贷资产质量;五是深化资产保全前移机制建
设,继续有效地通过多种途径和措施保全和处置不良资产,不良贷款清收压缩取得良好成效。
    5、贷款减值准备金计提情况
                                                                                      单位:人民币百万元
                                                        2012 年                        2011 年
贷款减值准备金的期初余额                                 29,112                         22,376
贷款减值准备金本期计提                                      7,604                        7,160
贷款减值准备金本期核销                                   -1,007                           -509
收回原转销贷款和垫款导致的转回                                250                           230
因折现价值上升转回                                           -212                         -145
贷款减值准备金的期末余额                        35,747                      29,112
    贷款减值准备金的计提方法的说明:在资产负债表日对贷款的帐面价值进行检验,当有客观证据表明
贷款发生减值的,且损失事件对贷款的预计未来现金流会产生可以可靠估计的影响时,则将该贷款的账面
价值减记至预计未来现金流量。预计未来现金流量现值,按照该贷款原实际利率折现确定,并考虑相关担
保物的价值。公司对单项金额重大的贷款单独进行减值测试,对单项金额不重大的贷款进行组合评估。单
独测试未发现减值的贷款,包括在具有类似信用风险特征的贷款组合中再进行组合评估。确认减值损失后,
如有客观证据表明该贷款价值已恢复,且客观上与确认该损失后发生的事项有关,原确认的减值损失予以
转回,计入当期损益。
    6、应收利息情况                                                                  单位: 人民币百万元
      项目            2011 年 12 月 31 日         本期增加              本期减少       2012 年 12 月 31 日
表内应收利息                  11,071                  139,504           -137,029                 13,546
表外应收利息                   1,825                    1,350                -890                 2,285
   分析:报告期内公司生息资产规模和利息收入均有所增加,表内及表外应收利息相应增加。
                                                       14
2012 年年度报告摘要



       7、公司持有的金融债券情况                                                   单位: 人民币百万元
类别                                                                               2012 年 12 月 31 日
交易性金融资产                                                                                    1,061
可供出售金融资产                                                                                 62,229
持有至到期投资                                                                                   44,693
分为贷款及应收款项类投资                                                                         10,362


       其中,重大金融债券情况:                                                   单位: 人民币百万元
                                                                                                   计提减
                     券名                         面值      年利率                到期日
                                                                                                   值准备
国家开发银行 2012 年第十八期金融债券              4,390      3.45           2013 年 4 月 23 日         -
2012 年第一期中国民生银行股份有限公司金融         3,250      4.3            2017 年 2 月 14 日         -
债券 2012 年第二十八期金融债券                    2,790      2.93           2013 年 7 月 9 日          -
                                                          一年定存利
中国进出口银行 2010 年第六期金融债券              2,750                     2015 年 8 月 25 日         -
                                                          率 + 0.25%
国家开发银行 2007 年第十六期金融债                2,720      4.35           2014 年 8 月 3 日          -


       持有的衍生金融工具情况                                                      单位:人民币百万元
                                                                                公允价值
           类别                      合约/名义金额
                                                                     资产                   负债
    利率互换合同                         52,567                        104                   1,240
    外汇远期合同                         50,219                         50                       125
    货币互换合同                        145,829                        664                       579
    外汇期权合约                           93                               -                      -
    贵金属远期合约                       13,012                         89                         -
    合      计                              /                          907                   1,944


   五、 财务会计报告
 财务报告                     □未经审计                    √审计
 审计意见                     √标准无保留意见              □非标意见
                            审计意见(见 2012 年度报告全文附件)




                                                                      董事长:       吉晓辉


                                            董事会批准报送日期:二〇一三年三月十三日




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