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  • [亚太] 上证指数 2319.12 (1.00%) 深证成指 9466.14 1.78% 恒生指数 19664.10 -1.06% 台北 7233.69 0.17% 韩国 1964.83 0.39%
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浦发银行(600000)公告正文

浦发银行:2014年半年度报告摘要

公告日期 2014-08-14
股票简称:浦发银行 股票代码:600000
2014 年半年度报告摘要
              上海浦东发展银行股份有限公司
                  2014 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                                    本报告期末比上年
        主要会计数据                                                   上年度末
                                  境内数               境外数                             度末增减(%)
    资产总额                              3,930,217        3,930,217       3,680,125                    6.80
    归属于上市公司股东的净资产              218,312          218,312           204,375                  6.82
                                          本报告期                                      本报告期比上年
                                                                      上年同期
                                       境内数            境外数                           同期增减(%)
    经营活动产生的现金流量净额             -30,384           -30,384           251,367               -112.09
    营业收入                                59,043            59,142             46,518                26.93
    归属于上市公司股东的净利润              22,656            22,656             19,386                16.87归属于上市公司股东的扣除非
                                        22,462            22,656             19,263                16.61经常性损益的净利润
    加权平均净资产收益率(%)                10.52             10.52              10.45    上升 0.07 个百分点
    基本每股收益(元/股)                   1.215             1.215               1.039               16.94
    稀释每股收益(元/股)                   1.215             1.215               1.039               16.94
    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。2014 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                                                                   492,305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
                                  3,730,694,283   20.000              -        3,730,694,283       -司
    上海国际集团有限公司              3,157,513,917   16.927              -              -             -
    上海国际信托有限公司               975,923,794        5.232           -              -             -
    上海国鑫投资发展有限公司           377,101,999        2.022           -              -             -
    百联集团有限公司                   190,083,517        1.019           -              -             -中国烟草总公司江苏省公司(江
                                   160,880,407        0.862           -              -             -苏省烟草公司)
    中国证券金融股份有限公司           145,150,157        0.778    +12,077,143           -             -南方东英资产管理有限公司-
                                   121,300,741        0.650    +25,125,478           -             -南方富时中国 A50ETF
    雅戈尔集团股份有限公司             116,050,000        0.622      -550,000            -             -
    上海市邮政公司                     113,141,353        0.607           -              -             -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
    百联集团有限公司                                                 190,083,517             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
    中国证券金融股份有限公司                                         145,150,157             人民币普通股
    南方东英资产管理有限公司-南方富时中国 A50ETF                    121,300,741             人民币普通股
    雅戈尔集团股份有限公司                                           116,050,000             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              105,410,362              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。
    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
    2014 年,商业银行继续面临国内经济增速放缓、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,积极攻坚克难,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。
    ——报告期内公司实现营业收入 590.43 亿元,比上年同期增加 125.25 亿元,增长 26.93%;实现税前利润 298.29 亿元,比上年同期增加 44.00 亿元,增长 17.30%;税后归属于上市公2014 年半年度报告摘要司股东的净利润 226.56 亿元,比上年同期增加 32.70 亿元,增长 16.87%。报告期公司平均资产利润率(ROA)为 0.60%,加权平均净资产收益率(ROE)为 10.52%。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 111.32 亿元,较去年同期增长 57.50%;公司继续努力控制各类成本开支,成本收入比率为 22.76%,较去年同期的 27.99%继续下降 5.23 个百分点。
    ——报告期末公司资产总额为 39,302.17 亿元,比 2013 年底增加 2,500.92 亿元,增长6.80%;本外币贷款余额为 18,983.44 亿元,比 2013 年底增加 1,308.50 亿元,增幅 7.40%。公司负债总额 37,088.98 亿元,其中,本外币存款余额为 27,567.83 亿元,比 2013 年底增加 3,370.87 亿元,增幅 13.93%。根据监管口径计算的期末存贷比为 68.72%,严格控制在监管标准之内。
    ——报告期内公司信贷业务运行平稳,资产保全工作积极推进,不良贷款余额和不良贷款率有所上升,但总体风险可控。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 176.32 亿元,比 2013 年底增加 45.71 亿元;不良贷款率为 0.93 %,较 2013 年末上升 0.19 个百分点;不良贷款准备金覆盖率为 267.84%,比 2013 年底下降 51.81 个百分点。
    ——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 465.71 亿元,客户存款 162.03 亿元,实现净利润 0.78 亿元;积极拓展在港中资企业和本港客户基础,抓住人民币国际化机遇,充分发挥对全行的战略配合和业务联动作用,大力开展境内外联动业务,稳步推进本地及跨国公司客户群,积极开展产品创新,香港分行作为我行跨境金融服务平台、创新平台、国际化平台的战略作用日益凸显。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,25 家浦发村镇银行业务保持良好发展势头,资产总额达到 282.14 亿元,比 2013 年底增加 16.62 亿元,增长 6.26%,实现税前账面利润 3.88 亿元,比 2013 年同期增幅 67.24%;浦银租赁公司资产总额 239.21 亿元,其中,租赁资产为 240.21 亿元,负债总额 204.75 亿元,实现营业收入 3.00 亿元;浦发硅谷银行的总资产达 2.29 亿美元,存款超过 0.67 亿美元。
    ——公司在国际、国内继续保持良好声誉。英国《银行家》杂志“2013 年世界银行 1000强” 公司排名第 44 位,较去年上升 9 位,上榜中资银行第 8 位;美国《财富》(FORTUNE)杂志“2014 年财富世界 500 强排行榜”,公司位列全球企业第 383 位,位列上榜中资企业第81 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:人民百万元
       项目                   本报告期(1-6 月)           上年同期             增减%
    营业收入                            59,043                  46,518               26.93
    营业利润                            29,757                  25,387               17.21
    归属于上市公司股东净利润            22,656                  19,386               16.87
    现金及现金等价物增加额             -93,381                 -83,271               12.14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;
    (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;
    (4)现金及现金等价物增加额为负的原因是同业拆借资金较去年同期减少。2014 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590.43亿元,比上年同期增长26.93%。其中营业收入中利息净收入占比为78.75%,比上年同期下降5.65个百分点,手续费及佣金净收入的占比为17.62%,比上年同期上升4.02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                                    58,154                        50.29                  14.31
    拆借收入                                         888                       0.77                 -39.80
    存放央行收入                                 3,614                         3.13                   9.61
    存放同业及其他金融机构                       3,788                         3.28                  -4.39
    买入返售收入                                10,557                         9.13                  39.88收入
    债券及其他应收款类投资                      24,749                        21.41                  62.80
    手续费及佣金收入                            10,806                         9.35                  62.25收入
    融资租赁利息收入                                 688                       0.60                  66.59
    其他收入                                     2,356                         2.04                 165.91
    合     计                               115,600                          100.00                  28.00
    (三)公司财务状况分析
    1、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              131,033    233,302           -43.84      存放境内银行同业款项减少
    贵金属                      5,049      3,348               50.81   报告期增加黄金投资规模
    应付股利                       16           12             33.33   子公司应付少数股东股利增加
                                                                   根据股东大会决议计提法定盈余公积和任
    盈余公积                   49,647     37,460               32.53
                                                                   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         10,401      6,327               64.39   收入结构优化,手续费及佣金收入增加
                                                                   衍生金融工具交易净支出及由于国际市场
    投资收益                     -624        568           -209.86     黄金价格上涨,对现货的期货套期保值空
                                                                   头合约每日无负债盈亏呈现为净支出,在
                                                                   投资收益科目体现
                                                                   市场波动导致交易性金融资产、远期结售
                                                                   汇及掉期交易等公允价值上升及持有的黄
    公允价值变动损益            2,037       -380            636.05     金现货头寸估值盈利,对冲期货套期保值
                                                                   空头合约净支出,整体贵金属投资组合保
                                                                   持盈利
    汇兑收益                      -19        337           -105.64     市场汇率波动,汇兑损失增加
    其他业务收入                  750        404               85.64   票据买卖收益以及贵金属租赁收入增加
                                                                   应对不良贷款和逾期贷款有所反弹,加大
                                                                   了对贷款拨备计提力度,拨贷比进一步提
    资产减值损失               11,706      4,543            157.67
                                                                   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                  190        355            -46.48     票据买卖价差支出减少
    营业外收入                    134           70             91.43   子公司收到财政补贴
    营业外支出                     62           28          121.43     捐赠及非流动资产处置支出增加
    其他综合收益                3,592           80     4,390.00        可供出售金融资产公允价值变动增加2014 年半年度报告摘要
    2、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                             2014 年 6 月 30 日                      2013 年 12 月 31 日
    信贷承诺                                              1,007,866                                   842,398
    其中:银行承兑汇票                                          568,124                                502,094
    信用证下承兑汇票                                       80,197                                   64,935
    开出保函                                              127,869                                   81,195
    开出信用证                                            116,543                                   97,336
    信用卡及其它承诺                                      115,133                                   96,838
    租赁承诺                                                     8,007                                    8,044
    资本性支出承诺                                                 336                                      449
    说明: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 39,302.17 亿元,比 2013 年底增加 2,500.92 亿元,增长 6.80%。
    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
                              2014 年 6 月 30 日                                  2013 年 12 月 31 日
                                  不良贷款总        不良贷款                           不良贷款        不良贷款
                   贷款总额                                               贷款总额
                                  额                率(%)                            总额            率(%)
    公司贷款           1,432,732          14,432               1.01        1,339,766           10,610            0.79
    票据贴现              38,065                -                 -           33,690                -               -
    个人贷款             427,547            3,200              0.75          394,038            2,451            0.62
    总计               1,898,344          17,632               0.93        1,767,494           13,061            0.74
    截至报告期末,公司贷款占比75.47%,较期初下降0.33个百分点,个人贷款占比22.52%,较期初上升0.23个百分点,票据贴现占比2.01%,较期初上升0.10个百分点。
    2、按行业划分的贷款结构及贷款质量                                                        单位:人民币百万元
                                                 2014 年 6 月 30 日                   2013 年 12 月 31 日
                                                                     不良贷款                                 不良贷
                                       贷款余额       占比(%)                 贷款余额      占比(%)
                                                                     率(%)                              款率(%)
    企业贷款                              1,432,732        75.47          1.01     1,339,766       75.80         0.79
    制造业                                 1,432,73        19.57          2.16      1,339,76       21.50         0.80
    批发和零售业                            289,772        15.26          1.64       253,692       14.35         0.07
    房地产业                                173,976           9.16        0.30       149,953        8.48         0.05
    建筑业                                  112,359           5.92        0.19       100,650        5.69         1.60
    交通运输、仓储和邮政业                   99,517           5.24        0.26         97,414       5.51         0.20
    租赁和商务服务业                        108,698           5.73        0.15         97,409       5.51         0.16
    水利、环境和公共设施管理业               74,555           3.93        0.01         75,552       4.27            -
    采矿业                                   59,009           3.11        0.03         53,078       3.00         0.28
    电力、热力、燃气及水生产和供应           43,415           2.29        0.14         43,712       2.47         1.36
    业                                       16,635           0.88        0.13         14,588       0.83         0.05
    信息传输、软件和信息技术服务业           11,721           0.62        1.13         11,355       0.64         1.00
    教育                                     11,620           0.61        0.25         10,388       0.59         0.19
    住宿和餐饮业                             10,409           0.55        0.60         10,373       0.59         0.19
                                                                                                              0.352014 年半年度报告摘要
    居民服务、修理和其他服务业               10,090            0.53         0.46            9,315          0.53       0.50
    卫生和社会工作                            8,742            0.46         0.57            7,647          0.43           -
    公共管理、社会保障和社会组织             13,338            0.70            -            6,984          0.40           -
    科学研究和技术服务业                      6,720            0.35         0.36            6,774          0.38       0.35
    文化、体育和娱乐业                        4,743            0.25         0.13            5,075          0.29       0.04
    金融业                                    3,637            0.19         1.37            2,782          0.16           -
    其他                                      2,337            0.12            -            3,142          0.18           -
    票据贴现                                 38,065            2.01            -           33,690          1.91           -
    转贴现                                    7,319            0.39            -            3,847          0.22           -
    银行承兑汇票贴现                         28,799            1.52            -           27,967          1.58           -
    商业承兑汇票贴现                          1,947            0.10            -            1,876          0.11           -
    个人贷款                                427,547         22.52           0.75          394,038       22.29         0.62
    总计                                 1,898,344         100.00           0.93      1,767,494        100.00         0.62
                                                                                                    100.00         0.74
       3、贷款迁徙率情况
                           本报告期(1-6 月)                      2013 年度                       2012 年度
              项目(%)                                             期
                           期   末        平      均                            平均             年末             平均
                                                                    末
       正常类贷款迁徙率       1.36              1.17           1.95             1.67             1.40             1.08
       关注类贷款迁徙率     32.74              25.02          34.59         30.42            26.24               17.03
       次级类贷款迁徙率       8.31             17.51          53.42         60.66            67.90               59.92
       可疑类贷款迁徙率       4.37              4.44           9.00             7.93             6.86            21.25
       4、买入返售金融资产情况                                                                   单位: 人民币百万元
                                     2014 年 6 月 30 日                                    2013 年 12 月 31 日
    品种
                                 余额                  占比(%)                   余额                 占比(%)
    债券                             71,274                     19.14                 22,633                        7.65
    票据                            298,234                     80.11                256,487                       86.66
    其他金融资产                      2,789                      0.75                 16,833                        5.69
    合     计                       372,297                  100.00                  295,953                   100.00
       5、投资情况
       截至报告期末,公司投资净额9,228.67亿元,较期初增加985.19亿元,增长11.95%
                                                                                                 单位: 人民币百万元
                                      2014 年 6 月 30 日                                   2013 年 12 月 31 日
    项目
                                 余额                  占比(%)                   余额                 占比(%)
    可供出售金融资产                     176,791                   19.16                   160,593                    19.48
    分为贷款和应收款类投资               604,800                   65.53                   515,234                    62.50
    持有至到期投资                       138,731                   15.03                   146,253                    17.74
    长期股权投资                            2,545                   0.28                     2,268                     0.28
    合     计                            922,867                  100.00                   824,348                   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                                                                            277
    报告期内公司投资额增减幅度(%)                                                                           12.212014 年半年度报告摘要
       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       25             /        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                           877            /             20.00       34            37        权益法核算
    浦银安盛基金管理有限公司            43            /             51.00        1             /        权益法核算
    莱商银行                           738            /             18.00       18             /        成本法核算
    浦发硅谷银行                       497            /             50.00        -             /        权益法核算
    合计                           2,545              /                 /       78            37                    /注:报告期损益指该项投资对集团报告期净利润的影响。
                                                                                        单位: 人民币百万元
                                          2014年6月30日                           2013年12月31日
    对合营公司的投资                                         540                                      535
    对联营公司的投资                                         877                                      605
    其他长期股权投资                                     1,128                                      1,128
    合计                                                 2,545                                      2,268
    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37,088.98亿元,较期初增加2,360.00亿元,增长6.80%。
        1、 客户存款构成
                                                                                        单位: 人民币百万元
                               2014 年 6 月 30 日                               2013 年 12 月 31 日
    项目
                            期末余额              占比(%)              期末余额                占比(%)
    活期存款                    915,609                        33.21         846,814                     34.99
    其中:公司存款               797,202                       28.92          746,749                     30.86
    个人存款                    118,407                        4.29          100,065                        4.13
    定期存款                   1,418,445                       51.45        1,218,951                     50.38
    其中:公司存款             1,031,299                       37.41          891,929                     36.86
    个人存款                    387,146                       14.04          327,022                     13.52
    保证金存款                   404,987                       14.69          350,781                     14.50
    国库存款                      12,860                        0.47                  -                         -
    其他存款                       4,882                        0.18            3,150                        0.13
    合计                       2,756,783                      100.00        2,419,696                   100.00
        2、同业及其他金融机构存放款项                                                   单位: 人民币百万元
                               2014 年 6 月 30 日                           2013 年 12 月 31 日
    交易对方
                            余额              占比(%)                  余额                    占比(%)
    银行同业                  393,863                  66.09             495,377                      69.52
    非银行同业                202,048                  33.91             217,140                      30.48
    合      计                595,911                100.00              712,517                     100.002014 年半年度报告摘要
        3、卖出回购金融资产情况                                                      单位: 人民币百万元
                               2014 年 6 月 30 日                           2013 年 12 月 31 日
    品种
                            余额              占比(%)                   余额                占比(%)
    债券                       59,459                 84.88                70,088                    88.10
    票据                       10,595                 15.12                 9,469                    11.90
    合     计                  70,054                100.00                79,557                   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 226.56 亿元,同比增长 16.87%。
                                                                                     单位: 人民币百万元
    项目                                本报告期(1-6月)                             上年同期
    营业收入                                    59,043                                     46,518
    其中:净利息收入                            46,498                                     39,262
             非利息净收入                      12,545                                      7,256
    营业税金及附加                                 3,953                                    3,212
    业务及管理费                                13,437                                     13,021
    资产减值损失                                11,706                                      4,543
    其他业务成本                                         190                                  355
    营业外收支净额                                        72                                   42
    税前利润                                    29,829                                     25,429
    所得税                                         6,962                                    5,927
    净利润                                      22,867                                     19,502
    少数股东损益                                         211                                  116
    归属于母公司股东的利润                      22,656                                     19,386
      1、利息收入
      报告期内,公司实现利息收入1,026.50亿元,同比增加199.23亿元,增长24.08%。
                                                                                     单位: 人民币百万元
                                           本报告期(1-6 月)                              上年同期
    项     目
                                           金额               占比(%)          金额              占比(%)
    公司贷款利息收入                           44,067               42.94           38,685             46.76
    个人贷款利息收入                           12,763               12.43           10,030             12.12
    贴现利息收入                                1,324                1.29            2,159              2.61
    存放同业利息收入                            3,788                3.69            3,962              4.79
    存放中央银行利息收入                        3,614                3.52            3,297              3.99
    拆出资金利息收入                              888                0.87            1,475              1.78
    买入返售利息收入                           10,557               10.28            7,547              9.12
    债券利息收入                                7,167                6.98            5,718              6.91
    其他应收款项类投资利息收入                 17,650               17.19            9,353             11.31
    租赁利息收入                                  688                0.67              413              0.50
    其他利息收入                                  144                0.14               88              0.11
    合     计                                102,650               100.00           82,727            100.002014 年半年度报告摘要
      2、利息支出
      报告期内,公司利息支出为561.52亿元,同比增加126.87亿元,增长29.19%。
                                                                               单位: 人民币百万元
                                         本报告期(1-6 月)                          上年同期
    项目
                                         金额           占比(%)      金额               占比(%)
    存款利息支出                           30,902            55.02        26,692               61.41
    发行债券利息支出                       1,763              3.14            1,663                3.83
    同业往来利息支出                       22,099            39.36        13,745               31.62
    向中央银行借款利息支出                   10               0.02                  5              0.01
    卖出回购利息支出                         941              1.68            1,089                2.51
    其他利息支出                             437              0.78                271              0.62
    合     计                                56,152           100.00      43,465              100.00
      3、非利息净收入
    报告期内,公司实现非利息净收入125.45亿元,同比增加52.89亿元,增长72.89%。中间业务收入(手续费及佣金净收入、汇兑损益和其他业务收入)为111.32亿元,同比增加40.64亿元,同比增长57.50%。
                                                                               单位:人民币百万元
                                  本报告期(1-6 月)                           上年同期
    项目
                                 金额                占比(%)      金额                占比(%)
    手续费及佣金净收入                10,401                 82.90       6,327                  87.20
    其中: 手续费及佣金收入            10,806                 86.13       6,660                  91.79
        手续费及佣金支出            -405                 -3.23        -333                  -4.59
    投资收益                            -624                 -4.97         568                      7.83
    公允价值变动损益                   2,037                 16.24        -380                  -5.24
    汇兑损益                                -19              -0.15         337                      4.64
    其他业务收入                            750               5.98         404                      5.57
    合     计                         12,545                100.00       7,256                 100.00
      4、资产减值损失
                                                                               单位: 人民币百万元
    项目                         本报告期(1-6 月)                           上年同期
                                 金额                占比(%)      金额                占比(%)
    发放贷款和垫款                  10,426                89.06        4,399                  96.83
    其他应收账款                      118                  1.01           33                   0.73
    抵债资产                           24                  0.21               -                     -
    应收利息                          119                  1.02           23                   0.50
    应收融资租赁款                    107                  0.91           88                   1.94
    分类为贷款及其他应收款类          912                  7.79               -                     -
    合计                            11,706               100.00        4,543                 100.00的投资
      (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2,183.12亿元,比2013年底增加了139.37亿,增幅6.82%。通过自身净利润积累,公司适时补充了资本。2014 年半年度报告摘要
                                                                              单位: 人民币百万元
                              2014 年 6 月 30 日        2013 年 12 月 31 日    变动比例(%)
    股本                                  18,653                     18,653                   -
    资本公积                              59,367                     55,775                6.44
    盈余公积                              49,647                     37,460               32.53
    一般风险准备                          36,700                     29,450               24.62
    未分配利润                            53,945                     63,037              -14.42
    归属于母公司股东权益合计             218,312                   204,375                 6.82
    少数股东权益                           3,007                      2,852                5.43
    股东权益合计                         221,319                   207,227                 6.80
       (八)核心竞争力分析
       公司拥有明确清晰的发展战略,实施以客户为中心的基本策略,创新驱动、转型发展,有效应对复杂环境和市场竞争。拥有良好的对公银行业务实力及较高质量的客户基础,对公银行业务位居同类股份制银行前列。拥有审慎高效的风险管理能力,建立了全面风险管理体系,积极推动新资本协议在本行的实施和运用,资产质量在上市银行中处于优良水平。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,并战略性地布局于人均收入水平较高的经济发达地区,在中国经济发展水平领先的长三角地区实现了地级市网点全覆盖,同时通过扩展完善全方位的电子银行渠道大幅提升了本行产品与服务的覆盖面。拥有经验丰富的高级管理团队和高素质的员工队伍,高管人员拥有丰富的金融业从业和管理经验,同时通过富有竞争力的人才激励和培养机制,打造了一支专业化、高素质的员工队伍。
       (九)下半年工作举措
       下半年,公司将按照董事会的决策和要求,继续坚持以客户为中心战略,坚持发展为主基调,积极应对形势挑战,大力支持实体经济建设,有效防控风险,着力提升效益,确保完成年度经营计划和工作任务。
       ——持续强化公司银行业务竞争力。完善对公客户经营模式,加快发展科技金融,增强对科技成长型企业的经营能力;在供应链金融业务领域深化与中国移动合作,增强对通讯行业的经营能力,全面整合国际业务,推进投行业务向纵深发展。
       ——加快提升零售银行业务整体经营水平。以大零售的思维拓宽营销渠道,提升销售能力;加快社区银行建设,积极推进网点转型;在移动金融领域深化与中国移动合作,加快推进电子银行业务发展;推动直销银行融入微信生态圈。
       ——不断增强金融市场业务可持续发展能力。贯彻落实监管机构最新要求,规范创新,稳健经营;推动资产管理业务跨越式发展,持续提升场内外自营投资能力;加快金融机构客户经营成果落地,加速推进代客代理类场内交易。
       ——坚守风险底线,维护经营成果。高度关注重点领域风险,严格执行信贷政策制度,加强监测预警与贷后管理,提升处置化解力度。强化风险管理体制机制建设,深化合规内控管理,有效防范案件风险。
       ——加强各类基础管理工作。持续巩固体制改革效果,优化资源配置机制;不断强化科技管理,努力做好运营支撑工作,进一步提升人力资源管理水平。2014 年半年度报告摘要
    (十)报告期利润分配执行情况
    1、公司 2013 年度利润分配方案已经 2013 年年度股东大会通过,即“分配普通股股利每 10 股派发 6.6 元人民币(含税)”。股权登记日为 2014 年 6 月 23 日,除息日为 2014 年 6月 24 日,现金红利发放日为 2014 年 6 月 24 日。公告刊登在 2014 年 6 月 17 日的《中国证券报》、《上海证券报》、《证券时报》上,该分配方案已实施完毕。
    2、2014 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               2014 年 6 月 30 日       2013 年 12 月 31 日         2012 年 12 月 31 日
    资产总额                               3,930,217                 3,680,125                 3,145,707
    负债总额                               3,708,898                 3,472,898                 2,966,048
    存款总额                               2,756,783                 2,419,696                 2,134,365
    其中:企业活期存款                       797,202                    746,749                  628,074
      企业定期存款                     1,031,299                    891,929                  757,502
      储蓄活期存款                       118,407                    100,065                   97,748
      储蓄定期存款                       387,146                    327,022                  293,717
    贷款总额                               1,898,344                 1,767,494                 1,544,553
    其中: 正常贷款                        1,880,712                 1,754,433                 1,535,613
       不良贷款                           17,632                     13,061                     8,940
    同业拆入                                  57,947                     61,981                   32,466
    贷款损失准备                              47,225                     41,749                   35,747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
                                                                2014 年 6 月 30 日
                项    目
                                                母公司口径                           集团公司口径
    资本总额                                           276,631                               280,737
    1、核心一级资本                                  219,220                               222,065
    2、其他一级资本                                          -                                   65
    3、二级资本                                         57,411                              58,607
    资本扣除项                                             3,974                                  899
    1、核心一级资本扣减项                                3,474                                  399
    2、其他一级资本扣减项                                    -                                    -
    3、二级资本扣减项                                      500                                  500
    资本净额                                           272,657                               279,8382014 年半年度报告摘要
    最低资本要求(%)                                               8.00                           8.00
    储备资本和逆周期资本要求(%)                                   2.50                           2.50
    附加资本要求                                                     -                               -
    信用风险加权资产                                   2,359,261                            2,397,552
    市场风险加权资产                                         27,320                            27,320
    操作风险加权资产                                        157,540                           158,380
    风险加权资产合计                                   2,544,121                            2,583,252
    核心一级资本充足率(%)                                         8.48                           8.58
    一级资本充足率(%)                                             8.48                           8.58
    资本充足率(%)                                             10.72                             10.83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 11.46%,比上年末上升 0.10 个百分点;核心资本充足率 8.71%,比上年末上升 0.15个百分点。集团公司口径的资本充足率 11.59%,核心资本充足率 8.78%。
    (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、公司前三年其他监管财务指标
                                                         报告期末           2013 年           2012 年
                   项目                   标准值
                                                   期末          平均    年末    平均      年末       平均
                    资本充足率(%)       ≥8.5     10.72        10.84   10.85   11.15      11.41 不适用《商业银行资本管
                      一级资本充足率(%) ≥6.5         8.48      8.51    8.45    8.46       8.45 不适用理办法(试行)》(注)
                   核心一级资本充足率(%) ≥5.5        8.48      8.51    8.45    8.46       8.45 不适用
    《商业银行资本充 资本充足率                 ≥8     11.46        11.15   11.36   11.94      12.45     12.38
    足率管理办法》      核心资本充足率          ≥4         8.71      8.42    8.56    8.69       8.97      8.99
                          人民币            ≥25    37.88        34.02   30.86   32.60      37.57     42.44
    资产流动性比率(%)
                          本外币合计        ≥25    38.95        34.61   31.34   33.22      37.54     41.36
                          人民币            ≤75    68.62        70.54   72.30   70.29      71.94     71.56
    存贷比(%)
                          本外币合计        ≤75    68.72        71.24   73.01   71.26      72.21     71.22
                          拆入资金比        ≤4     1.49         1.66    2.03     1.67       1.54      2.16
    拆借资金比例(%)
                          拆出资金比        ≤8     1.40         1.53    1.45     2.11       4.19      5.15
    单一最大客户贷款比例(%)                ≤10     1.83         1.86    1.92     2.00       2.17      2.45
    最大十家客户贷款比例(%)                ≤50     11.92        12.49   13.01   12.60      13.97     15.26
    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
    本行实行一级法人体制,采用总分行制。根据经济效益和经济区划原则,按照全国性商业银行的发展布局,在国内大中城市以及沿江沿海、东北和中西部地区的重要中心城市先后设置了分支机构。截止报告期末公司共有 991 个分支机构,具体情况详见下表:2014 年半年度报告摘要
                                                                          资产规模     所属机
    序号     机构名称                        地址                    职工数
                                                                          (百万元)    构数
    1       总    行         上海市中山东一路12号                    2,740     920,682      990
    2       上海分行         上海市浦东南路588号                     3,690     520,003      151
    3       杭州分行         杭州市延安路129号                       2,110     171,548       49
    4       宁波分行         宁波市江厦街21号                        1,312     103,872       28
    5       南京分行         南京市中山东路90号                      2,657     222,413       70
    6       北京分行         北京市西城区太平桥大街 18 号            1,413     274,451       44
    7       温州分行         温州市车站大道高联大厦1-3层              811       51,535       20
    8       苏州分行         苏州市工业园区钟园路718号                742       92,669       19
    9       重庆分行         重庆市北部新区高新园星光大道 78 号       696       71,280       25
    10      广州分行         广州市天河区珠江西路12号                1,323     139,743       38
    11      深圳分行         深圳市福田区福华三路国际商会中心        1,028     169,619       38
    12      昆明分行         昆明市东风西路156号                      565       60,163       18
    13      芜湖分行         芜湖市瑞祥路88号皖江财富广场A3楼         278       20,021       10
    14      天津分行         天津市河西区宾水道增9号D座              1,071     173,249       23
    15      郑州分行         郑州市金水路299号                       1,506     161,087       40
    16      大连分行         大连市沙河口区会展路45号                 984      109,039       28
    17      济南分行         济南市黑虎泉西路139号                   1,133     114,162       31
    18      成都分行         成都市成华区二环路东二段22号             606      169,808       25
    19      西安分行         西安市北大街29号                         808       86,338       19
    20      沈阳分行         沈阳市沈河区奉天街326号                  724       46,589       23
    21      武汉分行         武汉市江汉区新华路 218 号                735       67,506       21
    22      青岛分行         青岛市香港西路53路                       584       41,998       18
    23      太原分行         太原市迎泽大街 333 号                    732       71,152       21
    24      长沙分行         长沙市芙蓉中路一段 478 号                765       59,511       30
    25     哈尔滨分行        哈尔滨市南岗区红旗大街 226 号            530       70,567       17
    26      南昌分行         南昌市红谷中大道 1402 号                 582       42,395       16
    27      南宁分行         南宁市金浦路 22 号                       472       57,773       13
    28    乌鲁木齐分行       乌鲁木齐市新华南路 379 号                427       27,445       13
    29      长春分行         长春市人民大街3518号                     385       29,170       10
    30    呼和浩特分行       呼和浩特市大学西街28号                   408       29,511       12
    31      合肥分行         合肥市长江西路3号                        432       80,833       13
    32      兰州分行         兰州市广场南路101号                      382       40,839       18
    33     石家庄分行        石家庄市自强路35号                       559       50,786       14
    34      福州分行         福州市湖东路222号                        493       47,711       25
    35      贵阳分行         贵阳市延安中路20号                       246       32,875       5
    36      厦门分行         厦门市厦禾路 666 号之一                  198       30,329       4
    37      香港分行       香港中环夏悫道 12 号美国银行中心 15 楼     101       46,571       -
    38      西宁分行       西宁市城西区微波巷 1 号 1-7 亚楠大厦       107       12,950       1
    39      海口分行       海口市玉沙路 26 号                         80        10,321       -2014 年半年度报告摘要
    40 上海自贸试验区分行 中国(上海)自由贸易试验区加枫路 18 号       43               705
    41       银川分行     银川市兴庆区新华东街 51 号                   54             4,088
      总行直属经营机构                                             4,828          42,525            41
            汇总调整                                                           -689,300             -
            全行总计                                            39,340        3,886,532            991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。
    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                   金     额           占比%           与上年末相比增减(%)
            正常类                   1,852,415              97.58                          6.91
            关注类                      28,297               1.49                      29.65
            次级类                      12,613               0.67                      72.00
            可疑类                         3,846             0.20                     -16.95
            损失类                         1,173             0.06                          6.93
             合计                    1,898,344             100.00                          7.40
             分类             本报告期(1-6 月)          占比%              2013 年 12 月 31 日
           重组贷款                          121             0.01                            123
           逾期贷款                     29,902               1.58                      22,984
    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,细化行业投向、优化区域差异、推进组合管理,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;三是公司加强风险预警,增强预警的及时性,提高预警效率,实行动态管理,及时发现并化解风险。四是全面开展风险排查,加大对潜在风险的监控力度,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。
    6、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                                                         41,749
    贷款减值准备金本期计提                                                           10,426
    贷款减值准备金本期核销                                                           -3,764
    贷款减值准备金本期转出                                                           -1,097
    收回原转销贷款和垫款导致的转回                                                      186
    因折现价值上升转回                                                                 -297
    汇兑损益                                                                              22
    贷款减值准备金的期末余额                                                    47,225
    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。2014 年半年度报告摘要
    7、应收利息情况                                                                  单位: 人民币百万元
    项     目                  2013-12-31                本年增加       本年减少            2014-06-30
    债券及其他应收款项类投资            6,660                 20,524        -19,847                 7,337
    贷款                               6,259                 56,476        -56,315                 6,420
    存放央行及同业往来                 1,575                  8,290         -8,800                 1,065
    买入返售金融资产                        66                    518         -550                      34
    其他                                   149                     52               -                  201
    合计                              14,709                 85,860        -85,512                15,057
    8 主要计息负债与生息资产
    8.1      主要存款类别                                                            单位: 人民币百万元
                                          报告期                                 2013 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                 710,060                  0.73          693,167                  0.62
    企业定期存款                 962,285                  3.72          863,522                  3.35
    储蓄活期存款                 93,867                   0.40           92,403                  0.39
    储蓄定期存款                 344,330                  2.61          308,793                  2.92
    保证金存款                   354,696                  2.48          362,364                  2.59
    2、主要贷款类别                                                                  单位: 人民币百万元
                                  本报告期(1-6 月)                             2013 年度
          类别
                              平均余额         平均利率(%)          平均余额           平均利率(%)
    企业贷款                    1,389,515                 6.40         1,274,108                  6.33
    零售贷款                     406,957                  6.32           348,990                  6.17
    票据贴现                     41,119                   6.49            65,725                  5.57
    2014年上半年度贷款和垫款从期限结构来看,短期贷款平均余额9,902.75亿元,平均收益率6.33%;中长期贷款平均余额8,061.97亿元,平均收益率6.44%。
    3、其他                                                                          单位: 人民币百万元
                                          报告期                                 2013 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               476,643                  1.53          452,021                1.52
    存放同业款项及拆出资金         217,289                  4.34          225,611                4.35
    买入返售金融资产               337,628                  6.31          317,047                5.10
    债券及应收款项类投资           903,936                  5.54          767,915                4.93同业及其他金融机构存放
                               847,248                  5.28          715,680                4.42款项和拆入资金
    卖出回购金融资产               52,144                   3.64           51,727                3.60
    已发行债务证券                 67,054                   5.00           68,573                4.88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。2014 年半年度报告摘要
    9、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          计提减
    中国民生银行股份有限公司 2012 年第一期金融债券 5 年       3,250         4.3%    2017 年 2 月 14 日        值准备
    国家开发银行 2014 年第四期金融债券 1 年                   2,930        5.01%   2015 年 1 月 20 日              -
                                                                      一 年 定
    中国进出口银行 2010 年第六期金融债券 5 年                 2,750       存 利 率 2015 年 8 月 25 日         -
                                                                      + 0.25%
    国家开发银行 2007 年第十六期金融债券 7 年                 2,720         4.35% 2014 年 8 月 30 日               -
    中信银行股份有限公司 2013 年金融债券 5 年                 2,600        5.20%   2018 年 11 月 12 日             -
                                                                      一 年 定
    国家开发银行 2010 年第二十二期金融债 10 年                2,080       存 利 率 2020 年 8 月 11 日         -
                                                                      + 0.45%
    中国人寿保险股份有限公司 2012 年次级定期债务 10 年        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 5 年           2,000        4.37%    2018 年 7 月 29 日             -
    中国农业发展银行 2014 年第九期金融债券 7 年               2,000        5.55%    2021 年 2 月 20 日             -
    国家开发银行 2007 年第十五期金融债 10 年                  1,990        4.13%    2017 年 8 月 20 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                                         373,900               1,585                 1,549
    外汇远期合同                                              44,748                  211                    197
    利率互换合同                                              96,865                  264                1,198
    外汇及股票期权合约                                        16,998                   70                     39
    贵金属远期合约 利率互换合同                               20,417                  161                     88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                    -                    8
    利率互换合同                                           2,580                      5                   13
    合     计                                                     -            2,296                 3,092
    10、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                          2014 年 6 月 30 日                 2013 年 12 月 31 日
    信贷承诺                                         1,007,866                                   842,398其中:
    银行承兑汇票                                  568,124                                   502,094
    信用证下承兑汇票                               80,197                                    64,935
    开出保函                                      127,869                                    81,195
    开出信用证                                    116,543                                    97,336
    信用卡及其他承诺                              115,133                                    96,838
    经营租赁承诺                                           8,007                                   8,044
    资本性支出承诺                                           336                                       449
    说明: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义务。2014 年半年度报告摘要
    五、 财务会计报告
    财务报告                   □审计                √审阅
    审阅意见                   √无保留结论          □非标意见
                        审阅意见(见 2014 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:2014 年 8 月 12 日
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