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浦发银行(600000)公告正文

浦发银行:2013年年度报告摘要

公告日期 2014-03-20
股票简称:浦发银行 股票代码:600000
2013 年年度报告摘要
              上海浦东发展银行股份有限公司
                  2013 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
                                  2013 年      2013 年          2012 年      本年比上年       2011 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                          3,680,125    3,680,125       3,145,707          16.99       2,684,694
    归属于母公司股东的净资产            204,375      204,375         177,497          15.14         148,890
    经营活动产生的现金流量净            308,406      308,406          92,578         233.13         189,778
    额                                  100,015      100,353          82,952          20.57          67,918
    归属于母公司股东的净利润              40,922         40,922       34,186          19.70          27,286归属于母公司股东的扣除非
                                      40,397         40,922       33,748          19.70          27,051经常性损益的净利润
                                                                             上升 0.58
    加权平均净资产收益率(%)              21.53         21.53         20.95                          20.07
                                                                              个百分点
    基本每股收益(元/股)                 2.194         2.194         1.833          19.69           1.463
    稀释每股收益(元/股)                 2.194         2.194         1.833          19.69           1.463
    注: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。2013 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               520,753                                           517,256
                                                交易日末股东总数
                                                              比例     持有有限售条    质押或冻结
    股东名称                                        持股总数
                                                               (%)      件股份数量     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          -             -中国平安人寿保险股份有限公司-传统-普通
                                               272,109,484    1.459          -             -保险产品
    百联集团有限公司                               190,083,517    1.019          -             -
    中国烟草总公司江苏省公司(江苏省烟草公司)     160,880,407    0.862          -                  -
    中国证券金融股份有限公司                       133,073,014    0.713          -             -
    雅戈尔集团股份有限公司                         116,600,000    0.625          -         12,000,000
    上海市邮政公司                                 113,141,353    0.607          -                  -
    三、管理层讨论与分析
    (一)公司整体经营情况
    2013 年度,公司紧紧抓住国家宏观经济政策及转变经济发展方式的有利时机,深入贯彻落实中央经济工作会议精神和金融监管机构的各项政策要求,积极服务实体经济,大力推进经营转型,持续优化业务结构,经营效益稳步提升,实现了董事会年初确定的目标。在《财富》杂志世界 500 强的评选中,公司名列全球企业第 460 位,首次进入“世界 500 强”,提前两年实现战略规划的要求。
    ——报告期内公司实现营业收入 1,000.15 亿元,比 2012 年增加 170.63 亿元,增长20.57%;实现利润总额 538.49 亿元,比 2012 年增加 90.95 亿元,增长 20.32%;税后归属于母公司股东的净利润 409.22 亿元,比 2012 年增加 67.36 亿元,增长 19.70%。报告期内公司生息资产规模稳步扩大、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,2013 年公司平均资产利润率为 1.21%,比上年上升了 0.03个百分点;加权平均净资产收益率为 21.53%,比上年上升了 0.58 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 25.83%,较上年下降 2.88 个百分点。
    ——报告期末公司资产总额为 36,801.25 亿元,比 2012 年底增加 5,344.18 亿元,增长16.99%;其中本外币贷款余额为 17,674.94 亿元,比 2012 年底增加 2,229.41 亿元,增幅14.43%。公司负债总额 34,728.98 亿元,其中,本外币存款余额为 24,196.96 亿元,比 2012年底增加 2,853.31 亿元,增幅 13.37%。
    ——公司资产质量总体可控,风险处置化解积极。报告期内,公司加大江浙等重点区域管理,落实专项风险排查,大力推进风险处置与化解,不良资产清收工作成效明显,资产质量总体平稳。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 130.61 亿元,比 2012 年底增加 41.21 亿元;不良贷款率为 0.74%,较 2012 年末上升 0.16 个百分点;不良贷款的准备金覆盖率达到 319.65%,比 2012 年末下降了 80.20 个百分点,但仍在国内2013 年年度报告摘要同行业中处于较好水平;公司贷款拨备率(拨贷比)2.36%,较年初提高 0.05 个百分点,抵御风险的基础进一步夯实。
    ——公司获得了一系列重要业务资格。报告期内,公司成为了贷款基础利率(LPR)首批报价行;成功中标中央财政授权支付代理银行资格,取得了财资业务领域的重大突破;在股份制银行中首批获得期货存管银行资格,成为首家对国内各期交所服务全覆盖的银行;另外,公司还获得了央行短期流动性调节工具交易商资格、首批理财资产管理业务试点资格、上海清算所资金结算银行资格、白银期货自营交易试点资格等,为一系列新业务的开展创造了先决条件。公司首批获准设立自贸区分行,进一步加强完善了离在岸、境内外、跨区域的服务平台,为构建综合性、一体化的金融服务体系创造了条件。
    ——公司的国际化、综合化、集团化经营稳步发展。一是香港分行经营运作日趋顺畅,资产总额已达 318.97 亿元,客户存款 129.51 亿元,实现净利润 6,871.51 万元;积极拓展在港中资企业和本港客户基础,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,截止报告期末,25 家浦发村镇银行业务保持良好发展势头,资产总额达到 265.52亿元,比 2012 年底增加 64.51 亿元,增长 32.09%;实现税前账面利润 5.49 亿元,增幅 63.39%;各项贷款中涉农和小微贷款占比达到 86%,为农村金融做出较好贡献,树立了良好的品牌形象。浦银租赁公司资产总额 189.69 亿元,其中,租赁资产为 190.08 亿元,负债总额 156.85亿元,实现营业收入 5.74 亿元;浦发硅谷银行的总资产达 13.55 亿元,存款超过 3.58 亿元。三是 2013 年 10 月公司伦敦代表处正式揭牌,标志着公司国际化战略迈出新步伐。
    ——公司在国际、国内继续保持了较好声誉。《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 28 位,居上榜中资银行第 7 位;英国《银行家》杂志“2013年世界银行 1000 强”中,公司排名第 53 位,较 2012 年上升 4 位,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                          2013 年度              2012 年度              增减%
    营业收入                            100,015                   82,952                20.57
    营业利润                              53,523                  44,419                20.50
    归属于母公司股东净利润                40,922                  34,186                19.70
    现金及现金等价物净减少额             -26,058                 -20,454                27.40
    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加、手续费收入大幅增加。
    (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)现金及现金等价物净减少的原因是:投资活动支出的现金流出增加。
    2、营业收入情况:2013年公司实现营业收入人民币1,000.15亿元,比上年增长20.57%。其中营业收入中利息净收入占比为85.16%,比上年下降3.28个百分点,手续费及佣金净收入的占比为13.90%,比上年上升3.36个百分点。2013 年年度报告摘要
       3、业务总收入变动情况                                                          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                                     105,899                     54.79                  6.93
    拆借收入                                        2,422                     1.25                -54.09
    存放央行收入                                    6,882                     3.56                 11.98
    存放同业及其他金融机构收入                      7,388                     3.82                -30.06
    买入返售收入                                   16,183                     8.37                 13.03
    投资收入                                       37,769                    19.54                159.74
    手续费及佣金收入                               14,573                     7.54                 56.35
    租赁利息收入                                    1,029                     0.53                209.94
    其他收入                                        1,166                     0.60                 32.95
    合     计                                    193,311                    100.00                 20.51
       (三)公司财务状况与经营成果分析
       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                  2013 年末    2012 年末         增减% 报告期内变动的主要原因
    拆出资金                 26,828      85,420         -68.59   拆放同业款项减少
    贵金属                    3,348       6,673         -49.83   报告期减少黄金投资规模
    交易性金融资产           28,627      18,441          55.24   期末持有交易性债券头寸增加
    衍生金融资产              1,946         907         114.55   公允价值估值变化所致
    分类为贷款和应收                                             购买他行理财产品和投资信托及资产管理计划
                        515,234     159,734         222.56
    款类的投资                                                   产品增加
    在建工程                  1,861       1,320          40.98   新建办公用楼,在建工程投入增加
    无形资产                    758         517          46.62   软件、系统投入增加
                                                             贷款及其他资产减值准备和可供出售金融资产
    递延所得税资产            9,382       5,636          66.47
                                                             公允价值变化造成的递延所得税资产增加
    其他资产                 26,537      16,111          64.71   应收融资租赁款规模增加
    向中央银行借款              601         115         422.61   村镇银行向中央银行借款增加同业及其他金融机
                        721,119     546,564          31.94   境内银行存放款项增加构存放款项
    拆入资金                 61,981      32,466          90.91   境内银行拆入款项增加
    衍生金融负债              3,853       1,944          98.20   公允价值估值变化所致
    应付利息                 32,841      24,679          33.07   应付存款利息增加
                                                             根据股东大会决议计提法定盈余公积和任意盈
    盈余公积                 37,460      27,248          37.48
                                                             余公积
    少数股东权益              2,852       2,162          31.91   子公司收益增加
    项目                   2013 年度    2012 年度       增减%   报告期内变动的主要原因
    手续费及佣金净收入       13,904       8,746          58.98   收入结构优化,手续费及佣金净收入增加
                                                             自营贵金属收益增加,以及取得处置华一银行部
    投资收益                    820          76         978.95
                                                             分股权投资取得的收益
    公允价值变动损失         -1,565        -180         769.44   市场波动导致衍生金融工具公允价值变动
    汇兑收益                    767         417          83.93   人民币汇率波动,汇兑收益增长2013 年年度报告摘要
    其他业务收入                  912          531          71.75        票据买卖收益增加
                                                                     应对不良贷款和逾期贷款有所反弹,加大了对
    资产减值损失           -13,074          -8,119          61.03        贷款拨备计提力度,拨贷比进一步提高,并针
                                                                     对分为贷款和应收款项类投资计提了减值准备
    其他业务成本                 -775         -342         126.61        其他业务支出增长
       (四)资产情况分析
       截至报告期末,公司资产总额36,801.25亿元,比2012年底增长5,344.18亿,增长16.99%
       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 12 月 31 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         1,339,766              10,610                0.79           1,180,245               7,514           0.64
    票据贴现             33,690               -                     -               55,124                      -             -
    个人贷款           394,038               2,451                0.62             309,184               1,426           0.46
    总计             1,767,494              13,061                0.74           1,544,553               8,940           0.58
       截至报告期末,公司贷款占比75.80%,较期初下降0.61个百分点,个人贷款占比22.29%,较期初上升2.27个百分点,票据贴现占比1.91%,较期初下降1.66个百分点。
       2、个人贷款结构                                                                           单位: 人民币百万元
                                2013 年 12 月 31 日                                2012 年 12 月 31 日
                                                         不良贷款率                                             不良贷款率
                      贷款余额          占比(%)                           贷款余额          占比(%)
                                                           (%)                                                  (%)
    个人住房贷款              186,575          47.35               0.33          157,486             50.93             0.26
    个人经营贷款              122,753          31.15               0.96          100,699             32.57             0.68
    信用卡及透支               32,921              8.35            1.75           18,858                 6.10          1.55
    其    他                   51,789          13.15               0.15           32,141             10.40             0.14
    合    计                  394,038         100.00               0.62          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
    品种                      2013 年 12 月 31 日                               2012 年 12 月 31 日
                              余额                    占比(%)                 余额                        占比(%)
    债券                          22,633                      7.65                    3,500                         1.31
    票据                         256,487                     86.66                  258,520                          96.79
    其他金融资产                  16,833                      5.69                    5,069                           1.90
    合     计                    295,953                    100.00                  267,089                         100.00
       4、投资情况
       截至报告期末,公司投资净额8,243.48亿元,较期初增加3,521.23亿元,增长74.57%。
                                                                                                 单位: 人民币百万元
    项目                                 2013 年 12 月 31 日                           2012 年 12 月 31 日
                                        余额                  占比(%)                余额                  占比(%)
    可供出售金融资产                        160,593                     19.48              150,741                    31.92
    分类为贷款和应收款类的投资              515,234                     62.50              159,734                    33.832013 年年度报告摘要
    持有至到期投资                         146,253                  17.74             159,286                     33.73
    长期股权投资                             2,268                   0.28                  2,464                   0.52
    合     计                              824,348              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                                                                 2,268
    报告期内公司投资额比上年增减数                                                         -196
    报告期内公司投资额增减幅度(%)                                                      -7.95
       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                                                    其他所有者           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          23                    /   成本法核算
    中国银联股份有限公司               104      90,000                 3.715           4                    /   成本法核算
    华一银行                           605            /                20.00         484               -12      权益法核算
    浦银安盛基金管理有限公司            42            /                51.00           -                    /   权益法核算
    莱商银行                           738            /                18.00          27                    /   成本法核算
    浦发硅谷银行                       493            /                50.00           8                    /   权益法核算
    合计                             2,268            /                     /        546               -12                /注:报告期损益指该项投资对集团报告期利润的影响。
                                                                                                单位: 人民币百万元
                                             2013 年 12 月 31 日                        2012 年 12 月 31 日
    对合营公司的投资                                         535                                       512
    对联营公司的投资                                         605                                       824
    其他长期股权投资                                     1,128                                       1,128
    合计                                                 2,268                                       2,464注:公司合营公司包括浦银安盛基金管理有限公司、浦发硅谷银行有限公司;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34,728.98亿元,较期初增加5,068.50亿元,增长17.09%。
       1、客户存款构成
                                                                                                单位: 人民币百万元
    项目                        2013 年 12 月 31 日                               2012 年 12 月 31 日
                            余    额             占比(%)                  余     额                   占比(%)
    活期存款                     846,814                   34.99                  725,822                       34.01
    其中:公司存款               746,749                   30.86                  628,074                       29.43
        个人存款             100,065                      4.13                   97,748                      4.58
    定期存款                   1,218,951                   50.38                1,051,219                       49.25
    其中:公司存款               891,929                   36.86                  757,502                       35.49
        个人存款             327,022                   13.52                  293,717                       13.76
    保证金存款                   350,781                   14.50                  345,805                       16.202013 年年度报告摘要
    国库存款                               -                            -       8,000                  0.38
    其他存款                           3,150                      0.13          3,519                  0.16
    合计                           2,419,696                  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
    交易对方                            2013 年 12 月 31 日                   2012 年 12 月 31 日
                                     余额            占比(%)           余额                 占比(%)
    银行同业                          503,979                   69.89    365,536                    66.88
    非银行同业                        217,140                   30.11    181,028                    33.12
    合      计                        721,119                  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
    品种                                2013 年 12 月 31 日                 2012 年 12 月 31 日
                                     余额            占比(%)           余额                 占比(%)
    债券                              70,088                88.10         77,299                    91.43
    票据                               9,469                11.90          7,241                     8.57
    合      计                        79,557               100.00         84,540                  100.00
       (六)利润表分析
       报告期内,公司各项业务持续发展,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409.22亿元,同比增长19.70%。
                                                                                      单位: 人民币百万元
                 项目                               2013年                             2012年
    营业收入                                         100,015                           82,952
       其中: 利息净收入                              85,177                          73,362
                非利息净收入                          14,838                           9,590
    营业税金及附加                                         6,813                        6,258
    业务及管理费                                       25,830                          23,814
    资产减值损失                                       13,074                           8,119
    其他业务成本                                               775                        342
    营业外收支净额                                             326                        335
    利润总额                                           53,849                          44,754
    所得税                                             12,649                          10,443
    净利润                                             41,200                          34,311
    少数股东损益                                               278                        125
    归属于母公司股东的净利润                           40,922                          34,186
       1、利息收入
       报告期内,公司实现利息收入1,778.04亿元,同比增加275.61亿元,增长18.34%。
                                                                                      单位: 人民币百万元
    项目                                       2013 年度                           2012 年度
                                     金额            占比(%)           金额                 占比(%)
    公司贷款利息收入                     80,699                   45.39     76,054                    50.62
    个人贷款利息收入                     21,536                   12.11     18,054                    12.022013 年年度报告摘要
    贴现利息收入                 3,664                  2.06     4,927                   3.28
    存放同业利息收入             7,388                  4.16    10,563                   7.03
    存放中央银行利息收入         6,882                  3.87     6,146                   4.09
    拆出资金利息收入             2,422                  1.36     5,275                   3.51
    买入返售利息收入            16,183                  9.10    14,318                   9.53
    债券利息收入                12,289                  6.91    12,296                   8.18
    其他应收款类投资利息        25,568                 14.38     2,221                   1.48
    租赁利息收入                 1,029                  0.58       332                   0.22收入
    其他利息收入                     144                0.08          57                 0.04
    合     计                  177,804                100.00   150,243                 100.00
      2、利息支出
      报告期内,公司实现利息支出926.27亿元,同比增加157.46亿元,增长20.48%。
                                                                        单位: 人民币百万元
                                  2013 年度                             2012 年度
    项目
                           金额               占比(%)     金额             占比(%)
    存款利息支出              55,202               59.60       47,070                   61.22
    发行债券利息支出           3,348                  3.61      2,837                    3.69
    同业往来利息支出          31,641               34.16       23,603                   30.70
    向中央银行借款利息               13               0.01            4                  0.01
    卖出回购利息支出           1,860                  2.01      3,320                    4.32支出
    其他利息支出                 563                  0.61         47                    0.06
    合     计                 92,627              100.00       76,881                  100.00
      3、非利息收入
    报告期内,公司实现非利息净收入148.38亿元,同比增加52.48亿元,增长54.72%。中间业务净收入(手续费及佣金净收入、汇兑收益和其他业务收入)155.83亿元,同比增加58.89亿元,同比增长60.75%。
                                                                        单位: 人民币百万元
                                   2013 年度                            2012 年度
    项目
                           金额               占比(%)     金额             占比(%)
    手续费及佣金净收入         13,904               93.70         8,746                  91.20
    其中: 手续费及佣金收入     14,573               98.21         9,321                  97.19
        手续费及佣金支出     -669               -4.51          -575                  -5.99
    投资收益                      820                  5.53            76                 0.79
    公允价值变动损失           -1,565              -10.55          -180                  -1.88
    汇兑收益                      767                  5.17         417                   4.35
    其他业务收入                  912                  6.15         531                   5.54
    合     计                  14,838              100.00         9,590                 100.00
      4、业务及管理费
      报告期内,公司营业费用支出258.30亿元,同比增加20.16亿元,增长8.47%。2013 年年度报告摘要
                                                                                                  单位: 人民币百万元
    项目                                  2013 年度                                       2012 年度
                                  金额               占比(%)                     金额                占比(%)
    员工工资、奖金、津贴               12,547                     48.58               11,774                   49.44
    福利费                                  364                    1.41                  305                    1.28
    社会保险                            1,836                      7.11                1,397                    5.87
    住房公积金                              630                    2.44                  533                    2.24
    工会经费和职工教育经费                  425                    1.65                  380                    1.60
    租赁费                              1,868                      7.23                1,549                    6.50
    折旧及摊销费                        1,810                      7.01                1,590                    6.68
    电子设备运转及维护费                    603                    2.33                  599                    2.52
    税金                                    193                    0.75                  184                    0.77
    其他业务费用                        5,554                     21.49                5,503                   23.10
    合计                               25,830                    100.00               23,814                  100.00
        5、资产减值损失                                                                           单位: 人民币百万元
    项目                                                  2013 年度                                 2012 年度
                                               金额                占比(%)              金额           占比(%)
    发放贷款和垫款                               10,419                   79.69             7,587             93.45
    其他应收款                                         75                  0.57               210              2.59
    抵债资产                                           36                  0.28                78              0.96
    应收利息                                           37                  0.28                70              0.86
    应收融资租赁款                                    206                  1.58               174              2.14
    分类为贷款及其他应收款类的投资                  2,301                 17.60                 -                   -
    合计                                         13,074                  100.00             8,119            100.00
        6、所得税费用                                                                             单位: 人民币百万元
        项      目                                                2013 年度                             2012 年度
    税前利润                                                           53,849                          44,754
    按法定税率 25%计算之所得税                                         13,462                          11,189
    以前年度汇算清缴差异                                                   28                              27
    不得抵扣的费用                                                        225                             277
    免税收入                                                           -1,069                          -1,051
    子公司未确认的税务亏损                                                  3                               1
    所得税费用                                                         12,649                          10,443
        (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2,043.75亿元,比上年底增加了268.78亿,增幅15.14%。公司通过自身净利润积累补充了资本。
                                                                                                  单位: 人民币百万元
                                 2013 年 12 月 31 日             2012 年 12 月 31 日                  变动比例%
    股本                                    18,653                           18,653                                  -
    资本公积                                55,775                           59,560                           -6.35
    盈余公积                                37,460                           27,248                           37.482013 年年度报告摘要
    一般风险准备                          29,450                         23,050                           27.77
    未分配利润                            63,037                         48,986                           28.68
    归属于母公司股东权益合计             204,375                        177,497                           15.14
    少数股东权益                            2,852                         2,162                           31.91
    股东权益合计                         207,227                        179,659                           15.34
    (八)公司 2013 年度利润分配预案
    根据经审计的 2013 年度会计报表,母公司共实现净利润 406.22 亿元,2013 年初未分配利润为 487.64 亿元,扣除 2012 年度各项利润分配事项 268.71 亿后,本次实际可供分配的利润为 625.15 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由原定的 1%提高 0.1%,至 2016 年达到财政部规定的 1.5%。2013 年度拟从净利润中提取 72.5 亿元的一般准备,使一般准备的余额达到 367 亿,不低于期末主要风险资产余额的 1.2%。
    根据上述情况,公司拟定 2013 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 40.62 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 81.24 亿元;
    3、提取一般准备 72.5 亿元;
    4、以 2013 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6.6 元人民币(含税),合计分配 123.11 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 307.68 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。
    公司近三年股利分配情况或资本公积转增股本和分红情况:
                                                                                              单位: 人民币百万元
                                                                                     分红年度合      占合并报表
                              每 10 股派息                                           并报表中归      中归属于母
               每 10 股送红                     每 10 股转增      现金分红的
    分红年度                     数(元)(含                                             属于母公司      公司股东的
               股数(股)                        数(股)        数额(含税)
                                 税)                                                股东的净利      净利润的比
                                                                                         润            率(%)
    2013 年度             -            6.6                   -          12,311            40,922            30.08
    2012 年度             -            5.5                   -          10,259            34,186            30.01
    2011 年度             -            3.0                   -           5,596            27,286            20.51
    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                                3,680,125                    3,145,707                     2,684,694
    负债总额                                3,472,898                    2,966,048                     2,535,152
    存款总额                                2,419,696                    2,134,365                     1,851,055
    其中:企业活期存款                         746,749                     628,074                       582,9702013 年年度报告摘要
      企业定期存款                     891,929                     757,502                    647,712
      储蓄活期存款                     100,065                      97,748                     86,572
      储蓄定期存款                     327,022                     293,717                    236,346
    贷款总额                             1,767,494                  1,544,553                   1,331,436
    其中: 正常贷款                      1,754,433                  1,535,613                   1,325,609
       不良贷款                         13,061                       8,940                      5,827
    同业拆入                                61,981                      32,466                     66,970
    贷款损失准备                            41,749                      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、透支及垫款、保理业务。
    2、资本结构情况
    根据中国银监会《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
                                                                2013 年 12 月 31 日
                项   目
                                                 母公司口径                           集团公司口径
    资本总额                                             262,349                              266,004
    1、核心一级资本                                    204,669                              207,698
    2、其他一级资本                                          -                                   28
    3、二级资本                                         57,680                               58,278
    资本扣除项                                             4,034                                1,009
    1、核心一级资本扣减项                                3,534                                  509
    2、其他一级资本扣减项                                    -                                    -
    3、二级资本扣减项                                      500                                  500
    资本净额                                             258,315                              264,995
    最低资本要求(%)                                            8                                    8
    储备资本和逆周期资本要求(%)                              2.5                                  2.5
    附加资本要求                                               -                                    -
    信用风险加权资产                                 2,209,664                              2,241,966
    市场风险加权资产                                      14,247                               14,247
    操作风险加权资产                                     157,540                              158,380
    风险加权资产合计                                 2,381,451                              2,414,593
    核心一级资本充足率(%)                                   8.45                                 8.58
    一级资本充足率(%)                                       8.45                                 8.58
    资本充足率(%)                                          10.85                                10.97注:1、以上为根据中国银监会《商业银行资本管理办法(试行)》计量的母公司和集团口径资本充足率相关数据及信息。核心一级资本净额=核心一级资本-核心一级资本扣减项;一级资本净额=核心一级资本净额+其他一级资本-其他一级资本扣减项;总资本净额=一级资本净额+二级资本-二级资本扣减项。
    2、根据中国银监会《关于商业银行资本构成信息披露的监管要求》,在公司网站(www.spdb.com.cn)投资者关系专栏披露本报告期资本构成表、有关科目展开说明表、资本工具主要特征等附表信息。
    3、按照中国银监会《商业银行资本充足率管理办法》(简称“旧办法”)规定计算,截止报告期末母公司口径的资本充足率 11.36%,比上年末降低 1.09 个百分点;核心资本充足率 8.56%,比上年末降低 0.41个百分点。 集团公司口径的资本充足率 11.50%,核心资本充足率 8.64%。2013 年年度报告摘要
      4、享受过渡期优惠政策的资本工具:按照中国银监会《商业银行资本管理办法(试行)》相关规定,商业银行 2010 年 9 月 12 日以前发行的不合格二级资本工具可享受优惠政策,即 2013 年 1 月 1 日起按年递减 10%。2012 年末本公司不合格二级资本账面金额为 386 亿元,2013 年起按年递减 10%,报告期末本公司不合格二级资本工具可计入金额为 304 亿元。
       3、公司前三年主要财务指标
                      项目                                       2013 年              2012 年              2011 年
                                                 标准值
                                                          期末        平均      年末      平均      年末        平均
    《商业银行资本管 资本充足率(%)                 ≥8.5 10.85          11.15     11.41     不适用 不适用 不适用
    理 办 法 ( 试 行 )》 一级资本充足率(%)       ≥6.5     8.45       8.46      8.45      不适用 不适用 不适用
    (注)               核心一级资本充足率(%) ≥5.5         8.45       8.46      8.45      不适用 不适用 不适用
    《商业银行资本充 资本充足率                       ≥8     11.36       11.94     12.45     12.38      12.70      11.83
    足率管理办法》         核心资本充足率             ≥4      8.56       8.69      8.97       8.99          9.20    9.17
                                人民币           ≥25      30.86      32.60     37.57     42.44      42.80      44.12
    资产流动性比率(%)
                                本外币合计       ≥25      31.34      33.22     37.54     41.36      43.83      44.82
                                人民币           ≤75      72.30      70.29     71.94     71.56      71.48      70.83
    存贷比(%)
                                本外币合计       ≤75      73.01      71.26     72.21     71.22      71.58      71.12
                                拆入资金比        ≤4          2.03    1.67      1.54      2.16          3.64    1.57
    拆借资金比例(%)
                                拆出资金比        ≤8          1.45   2.11       4.19      5.15          6.03    2.82
    单一最大客户贷款比例(%)                       ≤10         1.92    2.00     2.17       2.45          2.65    3.09
    最大十家客户贷款比例(%)                       ≤50     13.01      12.60    13.97      15.26      16.50      18.70
      注:本表中本报告期资本充足率、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,数据口径为母公司口径(含境外分行)。
       4、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
                                                                                          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                             2,746         833,430              914
    2       上海分行            上海市浦东南路588号                              3,647         441,563              135
    3       杭州分行            杭州市延安路129号                                2,073         178,316               48
    4       宁波分行            宁波市江厦街21号                                 1,268         108,359               28
    5       南京分行            南京市中山东路90号                               2,574         213,255               69
    6       北京分行            北京市西城区太平桥大街 18 号                     1,436         251,860               43
    7       温州分行            温州市车站大道高联大厦1-3层                        818             52,841            19
    8       苏州分行            苏州市人民路1478号                                 708             78,311            17
    9       重庆分行            重庆市北部新区高新园星光大道 78 号                 682             68,532            23
    10      广州分行            广州市天河区珠江西路12号                         1,241         109,564               38
    11      深圳分行            深圳市福田区福华山路国际商会中心                   951         160,284               29
    12      昆明分行            昆明市东风西路156号                                551             58,549            18
    13      芜湖分行            芜湖市文化路39-2号                                 280             18,064            10
    14      天津分行            天津市河西区宾水道增9号D座                       1,086         131,699              22
    15      郑州分行            郑州市金水路299号                                1,471         145,740               36
    16      大连分行            大连市中山区中山广场3号                          1,000         100,369               282013 年年度报告摘要
    17      济南分行      济南市黑虎泉西路139号                       1,104        107,421           31
    18      成都分行      成都市一环路南一段6号                            581     167,303           25
    19      西安分行      西安市北大街29号                                 789      86,573           19
    20      沈阳分行      沈阳市沈河区奉天大街326号                        725      50,519           22
    21      武汉分行      武汉市江汉区新华路 218 号                        716      77,621           21
    22      青岛分行      青岛市香港西路53路                               581      50,253           16
    23      太原分行      太原市迎泽大街 333 号                            737      74,818           21
    24      长沙分行      长沙市芙蓉中路一段 478 号                        741      59,739           21
    25     哈尔滨分行     哈尔滨市南岗区红旗大街 226 号                    487      54,228           16
    26      南昌分行      南昌市永叔路 15 号                               562      41,673           16
    27      南宁分行      南宁市金蒲 22 号                                 457      54,088           10
    28    乌鲁木齐分行    乌鲁木齐市民主路 87 号                           408      32,907           11
    29      长春分行      长春市人民大街3518号                             409      28,968            9
    30    呼和浩特分行    呼和浩特市大学街28号                             394      36,739           12
    31      合肥分行      合肥市长江西路3号                                453      85,602           13
    32      兰州分行      兰州市广场南路101号                              325      50,371           11
    33     石家庄分行     石家庄市自强路35号                               513      50,538           14
    34      福州分行      福州市湖东路222号                                454      46,974           15
    35      贵阳分行      贵阳市延安中路20号                               235      34,851            5
    36      厦门分行      厦门市厦禾路 666 号之一                          155      24,338            3
    37      香港分行      香港中环夏悫道 12 号美国银行中心 15 楼            96      31,897            -
    38      西宁分行      西宁市城西区微波巷 1 号 1-7 亚楠大厦              84      10,953            1
    39      海口分行      海口市玉沙路 26 号                                75       5,118            -
       上海自由贸易
    40                   中国(上海)自贸试验区加枫路 18 号 4 楼            43        注2             -
          区分行
       总行直属经营
    41                                                                4,409         31,316           40
           机构
         汇总调整                                                        -     -601,666            -
         全行总计                                                 38,065      3,643,878           915注:1、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。
      2、截至报告期末,上海自由贸易区分行相关金融资产服务业务尚未正式开展。
      5、报告期贷款资产质量情况
      5.1 五级分类情况                                                           单位:人民币百万元
          五级分类             2013 年 12 月 31 日              占比%        与上年同期相比增减(%)
           正常类                   1,732,607                   98.03                 14.08
           关注类                      21,826                    1.23                 29.18
           次级类                         7,333                  0.42                 216.08
           可疑类                         4,631                  0.26                 -12.97
           损失类                         1,097                  0.06                 -15.55
            合计                    1,767,494                   100.00                    14.432013 年年度报告摘要
             分类            2013 年 12 月 31 日                   占比%              2012 年 12 月 31 日
           重组贷款                     123                         0.01                             30
           逾期贷款                  22,984                         1.30                      13,839
       5.2 期末不良贷款情况及采取的相应措施
       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,建立公司授信客户预警管理流程,同时加强风险行业和风险区域预警管理,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;五是深化资产保全管理工作机制建设,进一步推动资产保全工作前移,通过现金清收、不良资产批量转让等多种有效途径和措施加大不良资产处置力度,为确保持续良好的资产质量打下较为坚实的基础。
       6、贷款减值准备金计提情况
                                                                                          单位:人民币百万元
                                                   2013 年                                 2012 年
    年初余额                                           35,747                                   29,112
    本年计提                                           10,419                                    7,604
    本年转出                                           -1,485                                        -
    本年核销                                           -2,952                                   -1,007
    收回原转销贷款                                           374                                   250
    因折现价值上升转回                                      -354                                  -212
    年末余额                                      41,749                        35,747
    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。
       7、应收利息情况                                                                  单位: 人民币百万元
            项目           2012 年 12 月 31 日          本期增加            本期减少       2013 年 12 月 31 日
    债券及其他应收款项类投资           4,808                 26,362            -24,467                   6,703
    贷款                               4,971                101,881        -100,593                      6,259
    存放央行及同业往来                 3,723                 16,692            -18,840                   1,575
    买入返售金融资产                        2                   385               -364                         23
    融资租赁                               35                 1,029               -915                        149
    其他                                    7                   144               -151                          -
    合计                              13,546                146,493        -145,330                   14,7092013 年年度报告摘要
    8、抵债资产
                                                                               单位: 人民币百万元
                                   2013 年 12 月 31 日                 2012 年 12 月 31 日
           类别
                                金额            减值准备余额         金额          减值准备余额
    房地产                          832                    583         838                   599
    法人股                          158                     48          70                     56
    其他                             57                     46           -                      -
    合计                          1,047                    677         908                   655
    9、主要计息负债与生息资产
    9.1 主要存款类别                                                           单位: 人民币百万元
                                         2013 年度                            2012 年度
           类别
                              平均余额          平均利率(%)     平均余额         平均利率(%)
    企业活期存款                 693,167                0.62         566,430                0.77
    企业定期存款                 863,522                3.35         750,411                3.42
    储蓄活期存款                  92,403                0.39         83,463                 0.43
    储蓄定期存款                 308,793                2.92         265,096                3.14
    保证金存款                   362,364                2.59         308,251                2.70
    9.2 主要贷款类别                                                           单位: 人民币百万元
                                         2013 年度                            2012 年度
           类别
                              平均余额          平均利率(%)     平均余额         平均利率(%)
    企业贷款                    1,274,108               6.33        1,097,913               6.93
    零售贷款                      348,990               6.17          277,681               6.50
    票据贴现                       65,725               5.57           72,564               6.79
    2013年贷款和垫款从期限结构来看,短期贷款平均余额9,112.88亿元,平均收益率6.26%;中长期贷款平均余额7,118.10亿元,平均收益率6.35%。
    9.3 其他                                                                   单位: 人民币百万元
                                         2013 年度                            2012 年度
           类别
                              平均余额          平均利率(%)     平均余额         平均利率(%)
    存放中央银行款项               452,021                1.52         397,667                1.55
    存放同业款项及拆出资金         225,611                4.35         339,731                4.66
    买入返售金融资产               317,047                5.10         261,210                5.48
    债券及应收款项类投资           767,915                4.93         382,298                3.80同业及其他金融机构存放
                               715,680                4.42         532,365                4.43款项和拆入资金
    卖出回购金融资产               51,727                 3.60         75,918                 4.37
    已发行债务证券                 68,573                 4.88         57,895                 4.90
    注:公司根据于 2014 年 1 月 10 日起生效的《公开发行证券的公司信息披露编报规则第 26 号——商业银行信息披露特别规定(2014 修订)》的有关规定,分类披露主要生息资产和计息负债的平均余额和平均利率。2012 年相关数据根据规定一并重新列报。2013 年年度报告摘要
      10、公司持有的面值最大的十只金融债券情况
                                                                                          单位: 人民币百万元
                        类别                          面值          年利率                到期日        计提
    中国民生银行股份有限公司 2012 年第一期金融债券        3,250            4.30% 2017 年 2 月 14 日         减-值
                                                                一年定存利                              准备中国进出口银行 2010 年第六期金融债券
                                                      2,750         率+0.25% 2015 年 8 月 25 日           -
    国家开发银行股份有限公司 2007 年 16 期金融债券        2,720            4.35% 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        2,660            3.32% 2014 年 1 月 10 日              -
    中信银行股份有限公司 2013 年金融债券                  2,600            5.20% 2018 年 11 月 12 日             -
    国家开发银行股份有限公司 2010 年第二十二期金融债                一年定存利
    券                                                    2,080         率+0.45% 2020 年 8 月 11 日              -
    中国人寿保险股份有限公司 2012 年次级定期债务          2,000            4.70% 2022 年 6 月 29 日              -
    交通银行股份有限公司 2013 年第一期金融债券            2,000            4.37% 2018 年 7 月 29 日              -
    国家开发银行股份有限公司 2007 年十五期金融债券        1,990            4.13% 2017 年 8 月 20 日              -
    国家开发银行股份有限公司 2010 年二十五期金融债券      1,880            3.05%     2015 年 9 月 7 日           -
      持有的衍生金融工具情况                                                              单位:人民币百万元
                                                                                          公允价值
                                                 合同/名义金额
                                                                               资产                  负债非套期衍生产品:
    货币互换合同                                      283,309                 1,263                 1,475
    外汇远期合同                                            47,577                   116                   327
    利率互换合同                                            73,325                   512                 1,610
    外汇及股票期权合约                                       5,758                        8                428
    贵金属远期合约 利率互换合同                              4,586                    38                     -被指定为公允价值套期工具的衍生产品:
    交叉货币利率互换                                         200                     -                 13
    利率互换合同                                             729                     9                  -
    合     计                                                  /              1,946                 3,853
    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 2013 年度报告全文附件)
                                                                        董事长:           吉晓辉
                                          董事会批准报送日期:二〇一四年三月十八日
数据加载中...
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