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浦发银行(600000)公告正文

浦发银行:2013年半年度报告摘要

公告日期 2013-08-14
股票简称:浦发银行 股票代码:600000
2013 年半年度报告摘要
              上海浦东发展银行股份有限公司
                  2013 年半年度报告摘要
      一、重要提示
      1.1    提示:本半年度报告摘要摘自半年度报告全文,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半年度报告全文。
      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
                                          本报告期末                                      本报告期末比上
        主要会计数据                                                    上年度末
                                  境内数               境外数                             年度末增减(%)
    资产总额                              3,468,442        3,468,442           3,145,707               10.26
    归属于上市公司股东的净资产              186,704          186,704             177,497                5.19
                                          本报告期                                        本报告期比上
                                                                       上年同期
                                       境内数           境外数                           年同期增减(%)
    经营活动产生的现金流量净额             251,367          251,367               20,990            1,097.56
    营业收入                                46,518           46,504               40,002               16.29
    归属于上市公司股东的净利润              19,386           19,386               17,193               12.76归属于上市公司股东的扣除非
                                        19,263           19,386               17,021               13.17经常性损益的净利润
    加权平均净资产收益率(%)                10.45             10.45               10.86    下降 0.41 个百分点
    基本每股收益(元/股)                   1.039             1.039               0.922               12.69
    稀释每股收益(元/股)                   1.039             1.039               0.922               12.69
    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、加权平均净资产收益率指标未经年化处理。2013 年半年度报告摘要
       2.2 前十名股东持股情况
    报告期末股东总数                                                                     435168前十名股东持股情况
                                                      比例       报告期内       持有有限售条     质押或冻
    股东名称                             持股总数
                                                      (%)          增减         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          -                -             -生命人寿保险股份有限公司-万
                                    220,125,021       1.180         注                -             -能H
    百联集团有限公司                    190,083,517       1.019          -                -             -
    雅戈尔集团股份有限公司              165,900,000       0.889     -11,000,000           -             -中国烟草总公司江苏省公司(江
                                    160,880,407       0.862          -                -             -苏省烟草公司)
    上海市邮政公司                      113,141,353       0.607          -                -             -中国工商银行-上证 50 交易型
                                    111,413,762       0.597     +22,001,842           -             -开放式指数证券投资基金前十名无限售条件股东持股情况
                       股东名称                              持有无限售条件股份数            股份种类
    上海国际集团有限公司                                            3,157,513,917             人民币普通股
    上海国际信托有限公司                                              975,923,794             人民币普通股
    上海国鑫投资发展有限公司                                          377,101,999             人民币普通股
    生命人寿保险股份有限公司-万能 H                                  220,125,021             人民币普通股
    百联集团有限公司                                                  190,083,517             人民币普通股
    雅戈尔集团股份有限公司                                            165,900,000             人民币普通股
    中国烟草总公司江苏省公司(江苏省烟草公司)                        160,880,407             人民币普通股
    上海市邮政公司                                                    113,141,353             人民币普通股
    中国工商银行-上证 50 交易型开放式指数证券投资基金                111,413,762             人民币普通股
    纳爱斯集团有限公司                                                108,411,478             人民币普通股
                                                             上海国际集团有限公司为上海国际信托有限公上述股东关联关系或一致行动关系的说明
                                                             司、上海国鑫投资发展有限公司的控股公司。
      注:因生命人寿保险股份有限公司-万能 H 未能进入公司 2012 年底持股前 100 名股东,本期变动数无法精确统计。
      本报告期内公司合并持股第一大股东为上海国际集团有限公司没有发生变更。
        三、管理层讨论与分析
      (一)公司整体经营情况
      2013 年以来,商业银行面对国内经济增速放缓、金融脱媒、利率市场化加速推进等诸多挑战。按照董事会确定的年度工作思路与目标,公司认真贯彻落实国家宏观调控政策和监管要求,推进金融创新,服务实体经济,上下团结一致,攻坚克难,有效应对政策环境变化,深入推进转型发展,持续优化业务结构,取得了预期效果。2013 年半年度报告摘要
    ——报告期内公司实现营业收入 465.18 亿元,比上年同期增加 65.16 亿元,增长 16.29%;实现税前利润 254.29 亿元,比上年同期增加 28.82 亿元,增长 12.78%;税后归属于上市公司股东的净利润 193.86 亿元,比上年同期增加 21.93 亿元,增长 12.76%。报告期公司平均资产利润率(ROA)为 0.59%,加权平均净资产收益率(ROE)为 10.45%。公司生息资产规模稳步增长、中间业务收入显著提升、成本费用有效控制是盈利增长的主要驱动因素。报告期内,公司实现中间业务净收入 70.68 亿元,较去年同期增长 60.02%;公司继续努力控制各类成本开支,成本收入比率为 27.99%,较去年同期的 28.77%继续下降 0.78 个百分点。
    ——报告期末公司资产总额为 34,684.42 亿元,比 2012 年底增加 3,227.35 亿元,增长10.26%;本外币贷款余额为 16,782.86 亿元,比 2012 年底增加 1,337.33 亿元,增幅 8.66%。公司负债总额 32,794.16 亿元,其中,本外币存款余额为 23,879.68 亿元,比 2012 年底增加 2,536.03 亿元,增幅 11.88%。根据监管口径计算的期末存贷比为 70.27%,严格控制在监管标准之内。
    ——报告期内公司信贷业务运行良好,资产质量情况相对平稳,资产保全工作持续稳步推进,不良贷款余额和不良贷款率有所反弹。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 112.58 亿元,比 2012 年底增加 23.18 亿元;不良贷款率为 0.67%,较 2012 年末上升 0.09 个百分点;不良贷款准备金覆盖率达到 347.86%,比 2012 年底下降51.99 个百分点。
      ——公司的国际化、综合化、集团化经营起步较快。一是香港分行经营运作日趋顺畅,资产总额已达 244.13 亿元,客户存款 88.94 亿元,实现净利润 3,554.56 万元;积极拓展在港中资企业和本港客户基础,超过 30 家内地机构与香港分行开展合作,跨境协同效应初步显现。二是加强对村镇银行及其他投资机构的管理,截至报告期末,23 家浦发村镇银行业务保持良好发展势头,资产总额达到 237.59 亿元,比 2012 年底增加 36.58 亿元,增长 18.20%;实现税前账面利润 2.32 亿元,增幅 16.66%;浦银租赁公司资产总额 160.83 亿元,其中,租赁资产为 149.95 亿元,负债总额 132.56 亿元,实现营业收入 2.30 亿元;浦发硅谷银行的总资产达 2.17 亿美元,存款超过 0.57 亿美元。
    ——公司在国际、国内继续保持了良好的声誉。《福布斯》杂志全球企业 2000 强榜单中,公司位居第 125 位,较 2012 年上升 18 位,居上榜中资银行第 7 位;英国《银行家》杂志“2012 年世界银行 1000 强” 公司排名第 53 位,较 2012 年上升 4 为,上榜中资银行第 8位;美国《财富》(FORTUNE)杂志“2013 年财富世界 500 强排行榜”,公司位列全球企业第 460 位,位列上榜中资企业第 88 位和上榜中资银行第 9 位。
    (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                        本报告期                上年同期                增减%
    营业收入                           46,518                  40,002                   16.29
    营业利润                           25,387                  22,506                   12.80
    归属于上市公司股东净利润           19,386              39,646,037,814               12.76
    现金及现金等价物增加额          45,892,484,501             -32,017                -160.08
    注:(1)营业收入增长的原因是:生息资产稳步扩张、中间业务收入大幅增加。
                                                        39,646,037,814
    (2)营业利润增长的原因是:营业收入稳步增长、成本费用有效控制。
    (3)净利润增长的原因是:受益于营业利润同比持续增长。39,646,037,814
    (4)现金及现金等价物增加额为负的原因是投资活动支出的现金流支出较多。
                                                 3     35,256,995,408
                                                       35,256,995,4082013 年半年度报告摘要
       2、营业收入情况:本报告期公司实现营业收入人民币465.18亿元,比上年同期增长16.29%。其中营业收入中利息净收入占比为84.40%,比上年同期下降4.61个百分点,手续费及佣金净收入的占比为13.60%,比上年同期上升3.91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                            50,874                                 56.33                  4.30
    拆借收入                             1,475                                  1.63                -49.78
    存放央行收入                         3,297                                  3.65                  7.75
    存放同业及其他金融机构               3,962                                  4.39                -32.62买入返售收入
    收入                                 7,547                                  8.36                  4.85
    债券及其他应收款类投资              15,202                                 16.83                141.84手续费及佣金收入
    收入                                 6,660                                  7.37                 60.33
    租赁利息收入                           413                                  0.46               3341.67
    其他收入                               886                                  0.98                 75.10
    合     计                           90,316                             100.00                    14.60
       (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             本报告期末    上年年末      增减%        主要原因
    资产总额                 3,468,442 3,145,707              10.26   发放贷款、资金类资产规模增加
    股权投资                    2,545           2,464          3.29   按权益法调整的账面价值增加
    固定资产                    8,585           8,781         -2.23   固定资产折旧金额大于固定资产投入金额
    负债总额                 3,279,416 2,966,048              10.57   吸收存款及同业负债规模增加
    投资收益                      568             118     381.36      自营贵金属投资盈利归属于上市公司股东净
                          186,704      177,497             5.19   经营利润积累资产
       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
    项目                    本报告期末 上年年末           增减% 报告期内变动的主要原因
    存放同业款项              149,204      311,293        -52.07      存放境内银行减少
    拆出资金                   43,488          85,420     -49.09      拆放境内银行和境外非银行金融机构减少
    贵金属                      1,755           6,673     -73.70      报告期减少了黄金现货投资规模
    交易性金融资产             24,379          18,441         32.20   期末持有的交易性债券头寸增加
    衍生金融资产                1,705             907         87.98   衍生产品规模增加,公允价值估值变化所致
    分为贷款和应收款类                                                购买他行理财产品和投资资产管理计划产
                          511,271      159,734        220.08
    的投资                                                            品增加
    其他资产                   23,196          16,111         43.98   应收融资租赁款增加
    向中央银行借款                337             115     193.04      村镇银行向中央银行借款增加
    拆入资金                   45,346          32,466         39.67   境内外银行拆入款项增加
    衍生金融负债                2,965           1,944         52.52   衍生产品规模增加,公允价值估值变化所致
    卖出回购金融资产款         56,880          84,540     -32.72      卖出回购债券减少
    应付股利                       49              12     308.33      本期应付股利增加2013 年半年度报告摘要
                                                                           根据股东大会决议计提法定盈余公积和任
    盈余公积                         37,460     27,248             37.48
                                                                           意盈余公积
    项目                       本报告期       上年同期        增减%           报告期内变动的主要原因
    手续费及佣金净收入               6,327        3,877        63.19           收入结构优化,手续费及佣金净收入增加
    投资收益                            568         118       381.36           自营贵金属投资盈利
    公允价值变动损益                  -380         -139       173.38           交易性贵金属、交易性债券公允价值下降
    汇兑收益                            337         485       -30.52           人民币汇率波动
    其他业务收入                        404          55       634.55           票据买卖收益增加
                                                                           应对不良贷款和逾期贷款有所反弹,加大了
    资产减值损失                     4,543        2,852        59.29
                                                                           对贷款拨备计提力度,拨贷比进一步提高
    其他业务成本                        355          85       317.65           其他业务支出增加
    营业外收入                           70          53        32.08           其他营业外收入较去年增加
    营业外支出                           28          12       133.33           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                            2013 年 6 月 30 日                           2012 年 12 月 31 日
    信贷承诺                                                  784,537                                    792,451
    其中:银行承兑汇票                                         514,203                                    521,767
       信用证下承兑汇票                                    52,670                                     37,681
       开出保函                                            67,079                                     54,784
       开出信用证                                          83,317                                    120,024
       信用卡尚未使用授信额度                              67,268                                     58,195
    租赁承诺                                                       7,417                                   7,375
    资本性支出承诺                                                   435                                     331
    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
       期末公司资产总额为 34,684.42 亿元,比 2012 年底增加 3,227.35 亿元,增长 10.26%。
       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
                                 2013 年 6 月 30 日                                     2012 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                1,259,693             9,161              0.73          1,180,245             7,514        0.64
    票据贴现                   69,840                     -                -          55,124                 -              -
    个人贷款                  348,753             2,097              0.60            309,184             1,426        0.46
    总计                    1,678,286            11,258              0.67          1,544,553             8,940        0.58
    截至报告期末,公司贷款占比75.06%,较期初下降1.34个百分点,个人贷款占比20.78%,较期初上升0.76个百分点,票据贴现占比4.16%,较期初上升0.58个百分点。2013 年半年度报告摘要
       2、个人贷款结构                                                                         单位: 人民币百万元
                                          2013 年 6 月 30 日                          2012 年 12 月 31 日
                                                 占比(%) 不良贷款                            占总贷款 不良贷
                               贷款余额                        率(%)        贷款余额         比例(%) 款率(%)
    个人住房贷款                      172,125          49.35           0.33        157,486              50.93          0.26
    个人经营贷款                      109,452          31.38           0.91        100,699              32.57          0.68
    信用卡及透支                       22,513            6.46          2.05         18,858               6.10          1.55
    其    他                           44,663          12.81           0.15         32,141              10.40          0.14
    合    计                          348,753         100.00          0.60         309,184           100.00            0.46
       3、买入返售金融资产情况                                                                 单位: 人民币百万元
                               2013 年 6 月 30 日                                       2012 年 12 月 31 日
    品种
                           余额                   占比(%)                    余额                    占比(%)
    债券                         1,543                        0.55                  3,500                         1.31
    票据                       275,116                       98.60                258,520                        96.79
    信托受益权                   2,368                        0.85                  5,069                         1.90
    合     计                  279,027                   100.00                   267,089                       100.00
       4、投资情况
       截至报告期末,公司投资净额8,077.84亿元,较期初增加3,355.59亿元,增长71.06%
                                                                                               单位: 人民币百万元
                                     2013 年 6 月 30 日                                  2012 年 12 月 31 日
    项目
                                   余额                占比(%)                余额                   占比(%)
    可供出售金融资产                   140,868                    17.44            150,741                   31.92
    分为贷款和应收款类投资             511,271                    63.29            159,734                   33.83
    持有至到期投资                     153,100                    18.95            159,286                   33.73
    长期股权投资                         2,545                     0.32              2,464                      0.52
    合     计                          807,784                   100.00            472,225                  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                                                                    2,545
    报告期内公司投资额比上年增减数                                                           81
    报告期内公司投资额增减幅度(%)                                                          3.29
       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                 投资余额                                                         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         24          /             成本法核算
    中国银联股份有限公司               104         90,000               3.715          /            /           成本法核算
    华一银行                           900               /                   30       77            /           权益法核算
    浦银安盛基金管理有限公司             19              /                   51       -3            /           权益法核算
    莱商银行                           738               /                   18       27            /           成本法核算
    浦发硅谷银行                       498               /                   50       10            /           权益法核算
    合计                            2,545                /                    /      135            /                     /注:报告期损益指该项投资对集团报告期净利润的影响。2013 年半年度报告摘要
                                                                                    单位: 人民币百万元
                                         2013年6月30日                        2012年12月31日
    对合营公司的投资                                      517                              512
    对联营公司的投资                                      900                              824
    其他长期股权投资                              1,128                                  1,128
    合计                                          2,545                                  2,464
    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。
       (五)负债情况分析
       截至报告期末,公司负债总额为32,794.16亿元,较期初增加3,133.68亿元,增长10.57%。
        1、 客户存款构成
                                                                                    单位: 人民币百万元
                              2013 年 6 月 30 日                           2012 年 12 月 31 日
    项目
                             期末余额                   占比(%)     期末余额                 占比(%)活期存款
    其中:公司存款                698,920                   29.26          628,074                    29.43
    个人存款                   104,543                    4.38              97,748                  4.58定期存款
    其中:公司存款                873,965                   36.60         757,502                     35.49
    个人存款                   323,840                   13.56         293,717                     13.76
    保证金存款                    375,835                   15.74         345,805                     16.20
    国库存款                         5,730                   0.24              8,000                   0.37
    其他存款                         5,135                   0.22              3,519                   0.17
    合计                        2,387,968                  100.00       2,134,365                    100.00
       2、同业及其他金融机构存放款项                                                单位: 人民币百万元
                                 2013 年 6 月 30 日                     2012 年 12 月 31 日
    交易对方
                              余额            占比(%)             余额                 占比(%)
    银行同业                  435,644               72.73            365,536                    66.88
    非银行同业                163,368               27.27            181,028                    33.12
    合      计                599,012            100.00              546,564                   100.00
       3、卖出回购金融资产情况                                                     单位: 人民币百万元
                                 2013 年 6 月 30 日                        2012 年 12 月 31 日
    品种
                              余额             占比(%)              余额               占比(%)
    债券                       49,084                    86.29         77,299                   91.43
    票据                        7,796                    13.71          7,241                     8.57
    合      计                 56,880                   100.00         84,540                  100.00
       (六)利润表分析
       报告期内各项业务持续发展,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的净利润 193.86 亿元,同比增长 12.76%。2013 年半年度报告摘要
                                                                                   单位: 人民币百万元
    项目                                          本报告期                           上年同期
    营业收入                                      46,518                             40,002
    其中:净利息收入                              39,262                             35,606
            非利息净收入                          7,256                              4,396
    营业税金及附加                                 3,212                              3,051
    业务及管理费                                  13,021                             11,508
    资产减值损失                                   4,543                              2,852
    其他业务成本                                       355                                85
    营业外收支净额                                      42                                41
    税前利润                                      25,429                             22,547
    所得税                                         5,927                              5,281
    净利润                                        19,502                             17,266
    少数股东损益                                       116                                73
    归属于母公司股东的利润                        19,386                             17,193
      1、利息收入                                                         单位: 人民币百万元
                                           本报告期                           上年同期
    项     目
                                余额              占比(%)       余额                    占比(%)
    公司贷款利息收入              38,685                  46.76      37,741                       50.90
    个人贷款利息收入              10,030                  12.12       8,708                       11.75
    贴现利息收入                   2,159                     2.61     2,326                        3.14
    存放同业利息收入               3,962                     4.79     5,880                        7.93
    存放中央银行利息收入           3,297                     3.99     3,060                        4.13
    拆出资金利息收入               1,475                     1.78     2,937                        3.96
    买入返售利息收入               7,547                     9.12     7,198                        9.71
    债券及应收款类投资利息        15,071                  18.22       6,250                        8.43租赁利息收入
    收入                                413                  0.50           12                     0.02
    其他利息收入                         88                  0.11           23                     0.03
    合    计                      82,727                 100.00      74,135                      100.00
      2、利息支出                                                                 单位: 人民币百万元
                                     本报告期                       上年同期
    项目
                             余额             占比(%)          余额                     占比(%)
    存款利息支出               26,692               61.41              22,944                     59.56
    发行债券利息支出            1,663                3.83                  1,308                   3.39
    同业往来利息支出           13,745               31.62              12,519                     32.49
    向中央银行借款利息              5                0.01                        1                    -卖出回购利息支出
    支出                        1,089                2.51                  1,703                   4.42
    其他利息支出                  271                0.62                     54                   0.14
    合    计                   43,465              100.00              38,529                    100.002013 年半年度报告摘要
       3、非利息净收入                                                                   单位: 人民币百万元
                                         本报告期                                     上年同期
    项目
                                  余额              占比(%)             余额                   占比(%)
    手续费及佣金净收入                 6,327              87.20                3,877                     88.19
    其中: 手续费及佣金收入             6,660              91.79                4,154                     94.49
        手续费及佣金支出            -333              -4.59                 -277                     -6.30
    投资收益                             568                 7.83                118                      2.68
    公允价值变动损益                    -380              -5.24                 -139                     -3.16
    汇兑损益                             337                 4.64                485                     11.04
    其他业务收入                         404                 5.57                    55                   1.25
    合     计                          7,256             100.00                4,396                 100.00
       4、业务及管理费                                                                   单位: 人民币百万元
    项目                                本报告期                                     上年同期
                                  余额              占比(%)             余额                   占比(%)
    员工工资、奖金、津贴               7,139              54.81                6,490                     56.39
    福利费                               112                 0.86                122                      1.06
    社会保险                             897                 6.89                639                      5.55
    住房公积金                           285                 2.19                247                      2.15
    工会经费和职工教育经费               204                 1.57                204                      1.77
    租赁费                               969                 7.44                777                      6.75
    折旧及摊销费                         871                 6.69                750                      6.52
    电子设备运转及维护费                 209                 1.61                193                      1.68
    税金                                  92                 0.71                    86                   0.75
    其他业务费用                       2,243              17.23                2,000                     17.38
    合计                              13,021             100.00               11,508                    100.00
       5、资产减值损失                                                                   单位: 人民币百万元
    项目                                本报告期                                     上年同期
                                  余额              占比(%)             余额                   占比(%)
    发放贷款和垫款                    4,399              96.83                2,601                     91.20
    其他应收账款                         33                 0.73                    91                   3.19
    抵债资产                                -                  -                    70                   2.45
    应收利息                             23                 0.50                    49                   1.72
    应收融资租赁款                       88                 1.94                    41                   1.44
    合计                              4,543             100.00                2,852                 100.00
       6、所得税费用                                                                     单位: 人民币百万元
       项       目                                        本报告期                         上年同期
    税前利润                                                   25,429                           22,547
    按法定税率 25%计算之所得税                                  6,357                            5,637
    以前年度汇算清缴差异                                            28                              27
    不得抵扣的费用                                                  80                             138
    免税收入                                                     -530                             -521
    子公司未确认的税务亏损                                          -8                               -
    所得税费用                                                  5,927                            5,2812013 年半年度报告摘要
       (七)股东权益变动分析:
       报告期末归属于母公司股东的所有者权益为1,867.04亿元,比2012年底增加了92.07亿,增幅5.19%。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
                              2013 年 6 月 30 日        2012 年 12 月 31 日      变动比例%
    股本                                18,653                    18,653                    -
    资本公积                            59,640                    59,560                 0.13
    盈余公积                            37,460                    27,248                37.48
    一般风险准备                        29,450                    23,050                27.77
    未分配利润                          41,501                    48,986               -15.28
    归属于母公司股东权益合计          186,704                    177,497                 5.19
    少数股东权益                         2,322                      2,162                7.40
    股东权益合计                      189,026                    179,659                 5.21
       (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、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,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公司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,并构建了一支专业化、高素质的员工队伍。
       (九)经营目标完成情况及下半年举措
       1、对照年初董事会对母公司提出的经营目标,报告期完成情况如下:
       ——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;现资产总额为34,368.63 亿元,新增 3,122.33 亿元,完成全年增长计划的 95.96%;
       ——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;现各项贷款余额为16,639.87 亿元,新增 1,298.76 亿元,完成全年增长计划的 78.29%;
       ——本外币各项存款余额达到 2.4 万亿元左右,增幅超过 12%;现各存款余额为23,693.48 亿元,新增 2,500.64 亿元,完成全年增长计划 89.08%;
       ——税后利润增幅达到12%以上,超过资产总额增幅水平;现增长12.56%;
       ——年末不良贷款率,按“五级分类”口径,控制在 0.75%以内,现不良贷款比例为0.68%。
       2、2013 年度下半年公司主要措施
       公司坚持以客户为中心战略,积极应对形势挑战,准确把握发展机遇,为全面完成年度工作任务而努力,下半年主要经营措施如下:一是加快业务发展,全面完成增收任务。高度重视存贷款等主营业务的基础作用,加快推动中间业务增长,丰富收入来源。二是强化客户经营,夯实发展基础。高度重视客户基础建设,持续完善客户经营体系,通过深耕客户,满2013 年半年度报告摘要足客户日益综合化的金融需求。三是强化全面风险管理,构筑坚固防线。在经济增速下行期间,通过强化对各类风险的全面管控能力,形成全面风险视图,提升风险管理的专业化水平。四是加强基础管理,提升中后台服务支撑能力。有效增强科技运营的支撑保障能力和资源配置的市场响应能力。五是持续推进重点领域创新突破,加快转型步伐。加快五大突破领域的业务模式创新,增强战略执行力,以五大重点领域的突破带动全行加快转型。六是深化改革,提高效率,强化队伍建设。
    (十)报告期利润分配执行情况
    1、公司 2012 年度利润分配方案已经 2012 年年度股东大会通过,即“分配普通股股利每 10 股派发 5.5 元人民币(含税)”。股权登记日为 2013 年 5 月 31 日,除息日为 2013年 6 月 3 日,现金红利发放日为 2013 年 6 月 7 日。公告刊登在 2013 年 5 月 25 日的《中国证券报》、《上海证券报》、《证券时报》上。该分配方案已实施。
    2、2013 年半年度不进行利润分配,亦不实施公积金转增股本。
    3、报告期内现金分红政策的执行情况。根据《公司章程》,公司可以采取现金或股票方式分配股利,并应保持利润分配政策的连续性和稳定性。最近三年以现金方式累计分配的利润不少于最近三年实现的年均可分配利润的百分之三十。
    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                  本报告期末       2012 年 12 月 31 日      2011 年 12 月 31 日
    资产总额                               3,468,442               3,145,707                2,684,694
    负债总额                               3,279,416               2,966,048                2,535,152
    存款总额                               2,387,968               2,134,365                1,851,055
    其中:企业活期存款                          698,920               628,074                 582,970
      企业定期存款                          873,965               757,502                 647,712
      储蓄活期存款                          104,543                97,748                  86,572
      储蓄定期存款                          323,840               293,717                 236,346
    贷款总额                               1,678,286               1,544,553                1,331,436
    其中: 正常贷款                        1,667,028               1,535,613                1,325,609
       不良贷款                              11,258                 8,940                   5,827
    同业拆入                                     45,346                32,466                  66,970
    贷款损失准备                                 39,162                35,747                  29,112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。
    根据中国银行业监督管理委员会令(2012年第1号)《商业银行资本管理办法(试行)》相关规定计算:
                                                                              单位:人民币百万元
                                  母公司口径                                集团口径
       项目
                                  本报告期末                            本报告期末
    核心一级资本净额              2012184,904月 31 日                        年 12
                                                                    2012190,349月 31 日
    一级资本净额                      184,904                               190,3722013 年半年度报告摘要
    资本净额                              244,342                                       250,312
    风险加权资产总额                    2,181,562                                    2,210,321
    核心一级资本充足率                      8.48                                          8.61
    (%)                                   8.48                                          8.61
    资本充足率(%)                         11.20                                         11.32
       2、公司前三年主要财务指标
                                        标准值          本报告期                2012 年             2011 年
                    项目                           期末        平均       年末     平均       年末      平均
    资产收益率(%)                                       0.56   0.59        1.09      1.18       1.02     1.12
    不良贷款比例(%)                        ≤5          0.67   0.61        0.58      0.52       0.44     0.44
                           人民币         ≥25         41.67   37.08      37.57     42.44      42.80    44.12
    资产流动性比率(%)
                           本外币合计     ≥25         43.98   38.36      37.54     41.36      43.83    44.82
                           人民币         ≤75         69.05   70.65      71.94     71.56      71.48    70.83
    存贷比(%)
                           本外币合计     ≤75         70.27   71.31      72.21     71.22      71.58    71.12
                           拆入资金比      ≤4          1.44   1.49        1.54      2.16       3.64     1.57
    拆借资金比例(%)
                           拆出资金比      ≤8          2.63   3.41        4.19      5.15       6.03     2.82
    单一最大客户贷款比例(%)                ≤10         1.99   2.08        2.17      2.45       2.65     3.09
    最大十家客户贷款比例(%)                ≤50        11.93   12.98      13.97     15.26      16.50    18.70
    拨备覆盖率(%)                         ≥150    347.86 380.58 399.85 431.49 499.60 448.76注:(1)表中本报告期资产收益率未年化处理;
    (2)表中本报告期流动性比率、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,数据口径为法人口径(含境外分行);
    (3)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;
    (4)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
       公司实行一级法人体制,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 847 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                          2,577           799,265        846
    2      上海分行            上海市浦东南路588号                           3,495           436,648        133
    3      杭州分行            杭州市延安路129号                             1,996           191,986         46
    4      宁波分行            宁波市江厦街21号                              1,232           108,533         27
    5      南京分行            南京市中山东路90号                            2,435           210,411         65
    6      北京分行            北京市西城区太平桥大街 18 号                  1,384           224,715         43
    7      温州分行            温州市车站大道高联大厦1-3层                     806            50,189         19
    8      苏州分行            苏州市人民路1478号                              670            73,416         17
    9      重庆分行            重庆市北部新区高新园星光大道 78 号              651            58,124         22
    10     广州分行            广州市天河区珠江西路12号                      1,142           101,615         33
    11     深圳分行            深圳市福田区福华山路国际商会中心                938           146,801         272013 年半年度报告摘要
    12     昆明分行             昆明市东风西路156号                            540        55,274      17
    13     芜湖分行             芜湖市文化路39-2号                             266        23,616       9
    14     天津分行             天津市河西区宾水道增9号D座                     990       136,262      22
    15     郑州分行             郑州市金水路299号                            1,376       147,582      33
    16     大连分行             大连市中山区中山广场3号                        922       105,491      24
    17     济南分行             济南市黑虎泉西路139号                        1,079        90,555      26
    18     成都分行             成都市一环路南一段6号                          543       147,806      21
    19     西安分行             西安市北大街29号                               747        75,316      18
    20     沈阳分行             沈阳市沈河区奉天大街326号                      683        51,751      20
    21     武汉分行             武汉市江汉区新华路 218 号                      682        77,780      19
    22     青岛分行             青岛市香港西路53路                             543        41,001      16
    23     太原分行             太原市迎泽大街 333 号                          708        62,036      20
    24     长沙分行             长沙市芙蓉中路一段 478 号                      715        59,765      18
    25     哈尔滨分行           哈尔滨市南岗区红旗大街 226 号                  484        42,367      15
    26     南昌分行             南昌市永叔路 15 号                             527        50,762      14
    27     南宁分行             南宁市金蒲 22 号                               406        50,930       8
    28     乌鲁木齐分行         乌鲁木齐市民主路 87 号                         371        30,446      10
    29     长春分行             长春市人民大街3518号                           386        33,149       9
    30     呼和浩特分行         呼和浩特市大学街28号                           368        35,461      12
    31     合肥分行             合肥市长江西路3号                              440        40,940      13
    32     兰州分行             兰州市广场南路101号                            281        44,038       8
    33     石家庄分行           石家庄市自强路35号                             464        42,213      11
    34     福州分行             福州市湖东路222号                              381        45,418       8
    35     贵阳分行             贵阳市延安中路20号                             209        40,668       3
    36     厦门分行             厦门市厦禾路 666 号之一                        140        19,330       2
    37     香港分行           香港中环夏悫道 12 号美国银行中心 15 楼            91        24,413       0
    38     西宁分行           西宁市城西区微波巷 1 号 1-7 亚楠大厦              70         9,784       0
    39     海口分行             海口市玉沙路 26 号                              67         3,391       0
        总行直属经营机构                                                  3,850        21,753      39
        汇总调整                                                                     -574,138      808
        总计                                                             35,655     3,436,863      847
      注: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。
      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                     金额                   占比%              与上年末相比增减(%)
           正常类                       1,646,625              98.11                       8.42
           关注类                             20,403              1.22                    20.76
           次级类                              3,743              0.22                    61.34
           可疑类                              6,568              0.39                    23.44
           损失类                                947              0.06                    -27.10
               合计                     1,678,286             100.00                        8.662013 年半年度报告摘要
              分类                 本报告期              占比%            2012 年 12 月 31 日
          重组贷款                       144                 -                           30
          逾期贷款                    20,392              1.22                    13,839
       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 0.67 %,比 2012 年末上升了0.09 个百分点。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,并对信贷政策执行情况持续跟踪监测,实现信贷结构有效调整;三是强化风险预警和贷后检查制度,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,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
    贷款减值准备金的期初余额                                                       35,747
    贷款减值准备金本期计提                                                          4,404
    贷款减值准备金本期核销                                                            -959
    收回原转销贷款和垫款导致的转回                                                     122
    因折现价值上升转回                                                                -152
    贷款减值准备金的期末余额                                                       39,162
    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          期初余额          本期增加数         本期减少数                期末余额
    表内应收利息             13,546               71,506             -72,001                 13,051
    表外应收利息               2,285               1,086                -636                  2,735
    分析:报告期内公司生息资产规模和利息收入增加,应收利息相应增加。
       7、公司持有的金融债券情况                                            单位: 人民币百万元
    类别                                                                         2013 年 6 月 30 日
    交易性金融资产                                                                                428
    可供出售金融资产                                                                          59,553
    持有至到期投资                                                                            41,597
    分为贷款及应收款项类投资                                                                  10,8312013 年半年度报告摘要
    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
    中国民生银行股份有限公司 2012 年第一期金融债券        3,250     4.3%          2017 年 2 月 14 日           -
    国家开发银行股份有限公司 2012 年第二十八期金融        2,790    2.93%          2013 年 7 月 9 日            -
    债券                                                          一年定存
    中国进出口银行 2010 年第六期金融债券                  2,750                   2015 年 8 月 25 日           -
                                                               利率 +
    国家开发银行股份有限公司 2007 年 16 期金融债券        2,720    0.25%          2014 年 8 月 30 日           -
    国家开发银行股份有限公司 2013 年第一期金融债券        2,360    3.32%          2014 年 1 月 10 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                       65,253                             206                      1,300
    外汇远期合同                       49,247                             259                        263
    货币互换合同                       185,047                          1,238                      1,391
    外汇期权合约                         509                                   2                       -
    贵金属远期合约                      6,081                                  -                      11
    合      计                         306,137                          1,705                      2,965
    五、 财务会计报告
    财务报告                   □审计                √审阅
    审阅意见                   √标准无保留意见      □非标意见
                        审阅意见(见 2013 年半年度报告全文附件)
                                                  董事长: 吉晓辉
                                          董事会批准报送日期:二〇一三年八月十二日
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