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浦发银行(600000)公告正文

浦发银行:2015年半年度报告摘要

公告日期 2015-08-20
股票简称:浦发银行 股票代码:600000
2015 年半年度报告摘要




               上海浦东发展银行股份有限公司
                   2015 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            穆     矢                              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              Mushi@spdb.com.cn                      Yanggp@spdb.com.cn;wur2@spdb.com.cn


       二、主要财务数据和股东变化
       2.1 主要财务数据
                                                                                     单位: 人民币百万元
                                                  本报告期末                            本报告期末比上
               主要会计数据                                              上年度末
                                            境内数       境外数                         年度末增减(%)
资产总额                                   4,603,740    4,603,740        4,195,924                9.72
归属于母公司股东的净资产                     285,696      285,696          260,169                9.81
归属于母公司普通股股东的净资产               255,776      255,776          245,209                4.31
                                                  本报告期                              本报告期比上
                                                                         上年同期
                                            境内数        境外数                       年同期增减(%)
每股经营活动产生的现金流量净额(元/股)     11.295          11.295          -1.629              不适用
营业收入                                     70,701          70,969          59,043              19.74
归属于母公司股东的净利润                     23,903          23,903          22,656               5.50
归属于母公司股东的扣除非经常性损益的净
                                             23,466          23,903          22,462               4.47
利润

加权平均净资产收益率(%)                        9.37          9.37           10.52 下降 1.15 个百分点
基本每股收益(元/股)                          1.281         1.281           1.215               5.43
稀释每股收益(元/股)                      1.281       1.281         1.215              5.43
   注:(1)每股收益、加权平均净资产收益率根据《公开发行证券的公司信息披露编报规则第9号——净
资产收益率和每股收益的计算及披露》(2010年修订)计算。公司于2014年11月28日与2015年3月6日非公
开发行金额共计人民币300亿元股息不可累积的优先股。每股收益、加权平均净资产收益率及全面摊薄净资
产收益率未考虑相应的优先股股息。若经董事会审议并宣告,公司将于2015年下半年发放相应的优先股股
息。
                                                  1
2015 年半年度报告摘要


     (2)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。


      2.2 前十名普通股东持股情况
报告期末股东总数                                                           379,582
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       -

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           -                               -
雅戈尔集团股份有限公司            305,000,333    1.635    143,000,333                            -
百联集团有限公司                  190,083,517    1.019           -                               -
海通证券股份有限公司              170,993,059    0.917           注                              -
香港中央结算有限公司              161,623,667    0.866    13,029,517                             -
中国烟草总公司江苏省公司
                                  160,880,407    0.862           -                               -
(江苏省烟草公司)
中国建设银行股份有限公司-
鹏华中证银行指数分级证券投        144,429,692    0.774           注                              -
资基金
前十名无限售条件股东持股情况
                          股东名称                                    持有无限售条件       股份种类
                                                                         股份数量        人民币普通股
上海国际集团有限公司                                                   3,157,513,917
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

雅戈尔集团股份有限公司                                                   305,000,333     人民币普通股

百联集团有限公司                                                         190,083,517     人民币普通股

海通证券股份有限公司                                                     170,993,059     人民币普通股

香港中央结算有限公司                                                     161,623,667     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

中国建设银行股份有限公司-鹏华中证银行指数分级证券投资基金               144,429,692     人民币普通股

南方资本-兴业银行-南方骥元-优化 C 配置 1 号资产管理计划     141,799,889     人民币普通股
上述股东关联关系或一致行动关系 上海国际集团有限公司为上海国际信托有限公司、上海国鑫投资发展
的说明                             有限公司的控股公司。
     注:(1)海通证券股份有限公司、中国建设银行股份有限公司-鹏华中证银行指数分级证券投资基金
所持股份数未进入公司 2014 年末前 100 大股东名单,本报告期增减数无法精确统计。
      (2)7 月 27 日,上海国际信托有限公司持有的公司股份 975,923,794 股(占公司总股本 5.232%)依
分立协议转让给上海上国投资产管理有限公司过户登记手续办理完毕。本次股份过户登记完成后,上海上
国投资产管理有限公司持有公司股份数为 975,923,794 股,占公司总股本 5.232%,为公司第三大股东;上
海国际信托有限公司不再持有公司股份。




                                                 2
2015 年半年度报告摘要


    2.3 前十名优先股股东情况表
    2.3.1 优先股股东总数
                                          代码               简称               股东总数

截至报告期末优先股                     360003            浦发优 1                     32

股东总数(户)                           360008            浦发优 2                     14



    2.3.2 前十名优先股无限售条件股东持股情况表
    (1)浦发优 1                                                                      单位:股
股东名称(全称)                                                      期末持有股份数量       占比%(%)

交银施罗德资管                                                          11,540,000          7.693
中国平安财产保险股份有限公司-传统                                      11,470,000          7.647
中国平安人寿保险股份有限公司-分红                                      11,470,000          7.647
中国平安人寿保险股份有限公司-万能                                      11,470,000          7.647
永赢基金                                                                11,470,000          7.647
华宝信托有限责任公司-投资 2 号资金信托                                 11,470,000          7.647
易方达基金                                                              11,470,000          7.647
交银国信金盛添利 1 号单一资金信托                                        9,180,000          6.120
北京天地方中资产                                                         8,410,000          5.607
中海信托股份有限公司                                                     7,645,500          5.097
前十名优先股股东之间,上述股东与    本期优先股股东中国平安财产保险股份有限公司-传统、中国平安
前十名普通股股东之间存在关联关      人寿保险股份有限公司-分红、中国平安人寿保险股份有限公司-
系或属于一致行动人的说明            万能为一致行动人。


    (2)浦发优 2                                                                           单位:股
股东名称(全称)                                                      期末持有股份数量       占比%(%)

中国人民财产保险股份有限公司-传统                                       34,880,000         23.253
中国平安人寿保险股份有限公司-分红                                       20,360,000         13.573
中国平安人寿保险股份有限公司-万能                                       19,500,000         13.000
中国平安人寿保险股份有限公司-自有资金                                   19,500,000         13.000
永赢基金                                                                 10,460,000          6.973
中国银行股份有限公司上海市分行(中银平稳上海定向资管计划)               10,460,000          6.973
交银施罗德资管                                                            6,970,000          4.647
中海信托股份有限公司                                                      6,970,000          4.647
兴全睿众资产                                                              6,970,000          4.647
华商基金                                                                  5,580,000          3.720
前十名优先股股东之间,上述股东与    本期优先股股东中国平安人寿保险股份有限公司-分红、中国平安
前十名普通股股东之间存在关联关      人寿保险股份有限公司-万能、中国平安人寿保险股份有限公司-
系或属于一致行动人的说明            自有资金为一致行动人。


    2.4 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。



                                                 3
2015 年半年度报告摘要




     三、管理层讨论与分析
   (一)公司整体经营情况
    2015 年,商业银行继续面临国内经济增速放缓、利率市场化加速推进等经济金融形势
复杂多变、多重困难相互交织的挑战。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,扎实工作,积极进取,
取得了预期效果。
    ——报告期内公司实现营业收入 707.01 亿元,比上年同期增加 116.58 亿元,增长
19.74%;实现税前利润 315.26 亿元,比上年同期增加 16.97 亿元,增长 5.69%;税后归属
于上市公司股东的净利润 239.03 亿元,比上年同期增加 12.47 亿元,增长 5.50%。报告期
公司平均资产利润率(ROA)为 0.55%,加权平均净资产收益率(ROE)为 9.37%。公司生息资产
规模稳步增长、非利息净收入大幅增加、成本费用有效控制是盈利增长的主要驱动因素。报
告期内,公司实现非利息净收入 177.61 亿元,较去年同期增长 41.58%;公司继续努力控制
各类成本开支,成本收入比率为 20.21%,较去年同期的 22.76%继续下降 2.55 个百分点。
    ——报告期末公司资产总额为 46,037.40 亿元,比 2014 年底增加 4,078.16 亿元,增长
9.72%;本外币贷款余额为 21,744.34 亿元,比 2014 年底增加 1,460.54 亿元,增幅 7.20%。
公司负债总额 43,147.44 亿元,其中,本外币存款余额为 29,888.43 亿元,比 2014 年底增
加 1,956.19 亿元,增幅 7.00%。
    ——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 277.42 亿元,比 2014 年底增加 61.57 亿元;不良贷款率为 1.28%,较 2014 年末
上升 0.22 个百分点;不良贷款准备金覆盖率为 245.45%,比 2014 年底下降 3.64 个百分点。
    ——报告期内公司国际化、综合化、集团化经营有序推进。香港分行报告期内资产规模
及利润增速较快,资产规模达 695.85 亿元,较上年末增长 38%,实现净利润 1.30 亿元,同
比增长 65.89%。浦发村镇银行业务保持良好发展势头,25 家村镇银行资产总额达到 282.5
亿元,存款余额 225 亿元、贷款余额 191.2 亿元;浦银租赁公司资产总额 328 亿元,其中,
融资租赁资产为 301.44 亿元,实现营业收入 10.73 亿元,净利润 2.94 亿元;浦银安盛基金
公司管理资产总规模达到 2970.97 亿元;浦发硅谷银行的总资产达 3.16 亿美元,营业收入
660 万美元,净利润 64.5 万美元。浦银国际控股有限公司在报告期内正式营业,实现业务
收入 1806.71 万港元,净利润 357.78 万港元。
    ——公司在国际、国内继续保持良好声誉。根据英国《银行家》杂志“2015 年世界银
行 1000 强” ,按照核心资本排名,公司位列第 35 位,上榜中资银行第 8 位;在“2015 年全
球银行品牌 500 强”公司排名第 58 位,位列上榜中资银行第 10 位,品牌价值 40.32 亿美元。
根据美国《财富》杂志“2015 年财富世界 500 强排行榜”,按照营业收入排名,公司位列第
296 位,居中资企业第 59 位;“2015 年全球企业 2000 强”公司排名第 84 位,位列上榜中资
企业第 15 位,居上榜中资银行第 9 位。




                                          4
2015 年半年度报告摘要


       (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                                 70,701                      59,043                19.74
 营业利润                                 31,211                      29,757                 4.89
 归属于母公司股东的净利润                 23,903                      22,656                 5.50
 现金及现金等价物增加额              20,342                -93,381                         不适用
注:(1)营业收入增长的原因是:生息资产稳步扩张、手续费净收入大幅增加;
      (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增加的原因是报告期同业拆借资金增加。

       2、营业收入情况:本报告期公司实现营业收入人民币707.01亿元,比上年同期增长
19.74%。其中营业收入中利息净收入占比为74.88%,比上年同期下降3.87个百分点,手续费
及佣金净收入的占比为20.78%,比上年同期上升3.16个百分点。
                                                                                 单位:人民币百万元

                                            营业收入比                                营业利润比
     地     区       营业收入                                         营业利润
                                       上年同期增减(%)                          上年同期增减(%)
     上     海          22,154                     70.40                16,333             110.80
     北     京           3,177                      5.62                 1,739              -6.15
     四     川           1,922                     -6.88                 1,322               6.18
     天     津           2,301                      9.68                 1,269             -11.44
     山     东           2,617                      1.67                   628             -54.72
     广     东           5,266                     37.49                 2,385              28.64
     江     苏           5,671                     13.47                 2,124             -20.66
     河     南           3,253                     15.23                   722             -55.04
     浙     江           4,630                     -7.47                  -992            不适用
     辽     宁           2,554                     -2.52                   760            -40.44
     其它地区           17,156                      0.78                 4,921            -46.58
     合   计            70,701                  19.74                   31,211              4.89
      注:上海地区包括总行本部、总行直属经营机构及上海分行。


       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                           64,046                     48.97                         10.14
拆借收入                              806                      0.62                         -9.23
存放央行收入                        3,744                      2.86                          3.60
存放同业收入                        1,368                      1.05                        -63.89
买入返售收入                        4,580                      3.50                        -56.62
债券及其他应收款类
投资收入                           37,494                     28.67                         51.50
手续费及佣金收入                   15,305                     11.70                         41.63
融资租赁利息收入                      928                      0.71                         34.88
其他收入                            2,516                      1.92                          6.79
合     计                         130,787                    100.00                         13.14
                                                    5
2015 年半年度报告摘要




  (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
拆出资金                    34,862     21,969           58.69   拆出商业银行资金规模增加
贵金属                      40,086     11,707          242.41   报告期自营贵金属交易规模增加
以公允价值计量且其变动
计入当期损益的金融资产      56,137     32,841           70.94   交易性企业债券规模增加
衍生金融资产                 5,981      2,612          128.98   公允价值估值变化所致
买入返售金融资产           104,308     196,188       -46.83     买入返售金融票据资产规模减少
向中央银行借款              40,897     21,006           94.69   向央行获得融资
以公允价值计量且其变动
计入当期损益的金融负债         845        312          170.83   报告期新增贵金属现货卖空头寸
已发行债券证券             212,802    146,667           45.09   报告期发行同业存单规模增加
递延所得税负债                   6           -         不适用   子公司应纳税暂时性差异增加
其他负债                    26,986     18,734           44.05   暂收款项增加
其他权益工具                29,920     14,960          100.00   报告期发行优先股
                                                                市场收益率波动,可供出售金融资产公
其他综合收益                 2,040      1,255           62.55   允价值变动显著上升


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          14,693     10,401           41.27   收入结构优化,手续费及佣金收入增加
投资损益                       689       -624          不适用   债券投资收益增加
汇兑损益                      -466        -19          不适用   市场汇率波动,汇兑损益减少
其他业务收入                 1,410        750           88.00   票据买卖收益以及贵金属租赁收入增加
                                                                贷款拨备计提增加,拨贷比进一步提
资产减值损失                20,292     11,706           73.35   高,风险抵补能力增强
其他业务成本                   413        190          117.37   票据买卖价差损失增加
营业外收入                     359        134          167.91   非流动资产处置收入的增加



       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                    2015 年 6 月 30 日                2014 年 12 月 31 日
信贷承诺                                        1,066,658                           1,013,381
其中:银行承兑汇票                                 660,081                              574,709
       信用证下承兑汇票                           158,954                              157,179
       开出保函                                   134,534                              143,042
       开出信用证                                    12,820                             31,051
       信用卡及其它承诺                           100,269                              107,400
租赁承诺                                              9,630                              9,045
资本性支出承诺                                    247                               207
    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。




                                                 6
2015 年半年度报告摘要


    (四)资产情况分析
    期末公司资产总额为 46,037.40 亿元,比 2014 年底增加 4,078.16 亿元,增长 9.72%。
    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
                               2015 年 6 月 30 日                                   2014 年 12 月 31 日
                                                    不良贷款率                            不良贷款        不良贷款
                  贷款总额       不良贷款总额                              贷款总额
                                                    (%)                                 总额            率(%)
 公司贷款         1,598,114            21,596               1.35         1,519,765          17,680            1.16
 票据贴现             50,133                 -                   -             43,833              -             -
 个人贷款           526,187             6,146               1.17              464,782         3,905           0.84
 总计             2,174,434            27,742               1.28         2,028,380          21,585            1.06
    截至报告期末,公司贷款占比73.49%,较期初下降1.44个百分点,个人贷款占比24.20%,
较期初上升1.29个百分点,票据贴现占比2.31%,较期初上升0.15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
                                             2015 年 6 月 30 日                         2014 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                            1,598,114        73.49            1.35     1,519,765         74.93       1.16
 制造业                                 384,383       17.68            3.02       376,429         18.56       2.60
 批发和零售业                           315,298       14.50            2.03       317,184         15.64       1.68
 房地产业                               229,325       10.55            0.43       201,190          9.92       0.33
 建筑业                                 120,700           5.55         0.54       113,124          5.58       0.28
 交通运输、仓储和邮政业                 100,298           4.61         0.51        97,023          4.78       0.55
 租赁和商务服务业                       140,671           6.47         0.05       126,770          6.25       0.06
 水利、环境和公共设施管理业              87,237           4.01         0.12        81,342          4.01       0.14
 采矿业                                  59,856           2.75         0.72        61,829          3.05       0.41
 电力、热力、燃气及水生产和供应          48,036           2.21         0.17        44,542          2.20       0.22
 业
                                         18,754           0.86         0.54        17,892          0.88       0.26
 信息传输、软件和信息技术服务业          12,770           0.59         1.18        12,643          0.62       1.37
 教育                                    11,962           0.55         0.11        11,005          0.54       0.34
 住宿和餐饮业                            10,917           0.50         0.72        10,431          0.51       0.71
 居民服务、修理和其他服务业              11,669           0.54         0.40         9,123          0.45       0.33
 卫生和社会工作                          10,127           0.47         0.49         9,364          0.46       0.53
 公共管理、社会保障和社会组织            11,991           0.55            -         9,318          0.46             -
 科学研究和技术服务业                     6,837           0.31         0.79         6,887          0.34       0.49
 文化、体育和娱乐业                       6,147           0.28         0.80         5,589          0.28       0.79
 金融业                                   5,067           0.23            -         4,656          0.23             -
 其他                                     6,069           0.28         0.22         3,424          0.17             -
 票据贴现                                50,133           2.31            -        43,833          2.16             -
 转贴现                                   9,312           0.43            -         7,304          0.36             -
 银行承兑汇票贴现                        37,824           1.74            -        34,273          1.69             -
 商业承兑汇票贴现                         2,997           0.14            -         2,256          0.11             -
 个人贷款                               526,187       24.20            1.17       464,782         22.91       0.84
 总计                                2,174,434       100.00            1.28     2,028,380        100.00       1.06
                                                                                                 100.00
                                                      7
2015 年半年度报告摘要


       3、贷款迁徙率情况
                          本报告期(1-6 月)                           2014 年度                     2013 年度
            项目(%)
                           期    末         平     均          期      末            平均          年末          平均
 正常类贷款迁徙率                2.64              2.00                3.35          2.65           1.95         1.67
 关注类贷款迁徙率               25.94             29.34               46.29         40.44          34.59        30.42
 次级类贷款迁徙率               37.92             23.11               71.86         62.64          53.42        60.66
 可疑类贷款迁徙率                5.64              5.01               12.89         10.94           9.00         7.93

       4、买入返售金融资产情况                                                                 单位: 人民币百万元
                                        2015 年 6 月 30 日                                   2014 年 12 月 31 日
     品种
                                  余额                  占比(%)                   余额               占比(%)
债券                             16,342                       15.67                  4,920                     2.51
票据                             85,356                       81.83                184,578                  94.08
其他金融资产                      2,610                        2.50                  6,690                     3.41
合     计                       104,308                   100.00                   196,188                 100.00

       5、投资情况
     截至报告期末,公司投资净额 15,046.98 亿元,较期初增加 2,821.46 亿元,增长 23.08%。
                                                                                                单位: 人民币百万元

                                      2015 年 6 月 30 日                                     2014 年 12 月 31 日
     项目
                                 余额                   占比(%)                   余额               占比(%)
可供出售金融资产                   255,052                      16.96                222,208                     18.18
分为贷款和应收款类投             1,103,442                      73.33                877,171                     71.75
持有至到期投资
资                                 144,644                       9.61                121,698                      9.95
长期股权投资                            1,560                    0.10                  1,475                      0.12
合     计                        1,504,698                     100.00              1,222,552                    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                                                                                   2,688
报告期内公司投资额比上年增减数                                                                            85
报告期内公司投资额增减幅度(%)                                                                         3.27
                                                                                                单位: 人民币百万元

                                              2015年6月30日                                 2014年12月31日
 对合营公司的投资                                             596                                         546
 对联营公司的投资                                             964                                         929
 其他长期股权投资                                         1,128                                       1,128
 合计                                          2,688                             2,603
   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。


       对外企业股权情况                                                                        单位:人民币百万元

                                                                              占该公司股
所持对象名称                      投资余额           持有数量(股)                                 会计核算科目
                                                                               权比(%)

申联国际投资有限公司                        286                          /            16.50       可供出售金融资产


                                                          8
2015 年半年度报告摘要



中国银联股份有限公司                      104              90,000        3.715     可供出售金融资产
富邦华一银行有限公司                      964                    /       20.00          长期股权投资
浦银安盛基金管理有限公司                  100                    /       51.00          长期股权投资
莱商银行                                  738                    /       18.00     可供出售金融资产
浦发硅谷银行                              496                    /       50.00          长期股权投资
合计                                     2,688                   /            /                         /


       (五)负债情况分析
       截至报告期末,公司负债总额为 43,147.44 亿元,较期初增加 3,821.05 亿元,增长 9.71%。
       1、客户存款构成
                                                                                  单位: 人民币百万元
                               2015 年 6 月 30 日                         2014 年 12 月 31 日
   项目
                            期末余额              占比(%)           期末余额          占比(%)
活期存款                     849,414                     28.42         913,296                  32.70
其中:公司存款               732,065                     24.49         801,622                  28.70
    个人存款                 117,349                      3.93         111,674                   4.00
定期存款                   1,730,169                     57.89       1,450,555                  51.92
其中:公司存款             1,330,578                     44.52       1,086,841                  38.90
    个人存款                 399,591                     13.37         363,714                  13.02
保证金存款                   366,721                     12.27         418,068                  14.97
国库存款                      36,166                      1.21           8,072                   0.29
其他存款                       6,373                      0.21           3,233                   0.12
合计                       2,988,843                    100.00       2,793,224                 100.00

        2、同业及其他金融机构存放款项
                                                                                  单位: 人民币百万元
                               2015 年 6 月 30 日                        2014 年 12 月 31 日
   交易对方
                            余额                 占比(%)             余额             占比(%)
   银行同业                  317,566                 37.37            388,674                  51.04
   非银行同业                532,184                 62.63            372,857                  48.96
   合      计                849,750                100.00            761,531              100.00


        3、卖出回购金融资产情况
                                                                                  单位: 人民币百万元
                               2015 年 6 月 30 日                        2014 年 12 月 31 日
   品种
                            余额                 占比(%)             余额             占比(%)
   债券                       48,860                 79.65             48,613                  71.24
   票据                       11,934                 19.45             18,922                  27.73
   其他                            553                  0.90              705                   1.03
   合      计                 61,347                100.00             68,240              100.00




                                                    9
 2015 年半年度报告摘要



       (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,非利息净收入快速增长,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 239.03 亿元,同比增长 5.50%。
                                                                             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                                 70,701                            59,043
    其中:净利息收入                         52,940                            46,498
              非利息净收入                   17,761                            12,545
    营业税金及附加                             4,493                            3,953
    业务及管理费                             14,292                            13,437
    资产减值损失                             20,292                            11,706
    其他业务成本                                  413                             190
    营业外收支净额                                315                              72
    税前利润                                 31,526                            29,829
    所得税                                     7,400                            6,962
    净利润                                   24,126                            22,867
    少数股东损益                                  223                             211
    归属于母公司股东的利润                   23,903                            22,656
       1、利息收入
       报告期内,公司实现利息收入1,124.14亿元,同比增加97.64亿元,增长9.51%。
                                                                              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(%)
  企业贷款                          47,780              42.50        44,067               42.94
  个人贷款                          14,861              13.22        12,763               12.43
  贴现及转贴现                      1,405                1.25         1,324                1.29
  存放同业                          1,368                1.22         3,788                3.69
  存放中央银行                      3,744                3.33         3,614                3.52
  拆出资金                           806                 0.72           888                0.87
  买入返售金融资产                  4,580                4.07        10,557               10.28
  债券投资及同业存单                9,055                8.06         7,167                6.98
  除债券投资外的应收款项类投资      27,669              24.61        17,650               17.19
  融资租赁应收款                     928                 0.83           688                0.67
  其他                               218                 0.19           144                0.14
  合     计                        112,414              100.00      102,650              100.00

       2、利息支出
       报告期内,公司利息支出为594.74亿元,同比增加33.22亿元,增长5.92%。
                                                                              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(%)
  吸收存款                            34,163               57.44        30,902             55.02
  发行债务证券                         3,985                6.70         1,763              3.14
  同业往来                            19,393               32.61        22,099             39.36

                                             10
2015 年半年度报告摘要



 向中央银行借款                              762               1.28                 10           0.02
 卖出回购金融资产                         1,009                1.70              941             1.68
 其他                                        162               0.27              437             0.78
 合     计                              59,474               100.00           56,152           100.00

       3、非利息净收入
       报告期内,公司实现非利息净收入177.61亿元,同比增加52.16亿元,增长41.58%。
                                                                                 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                       14,693               82.72           10,401            82.90
其中: 手续费及佣金收入                   15,305               86.17           10,806            86.13
        手续费及佣金支出                     -612             -3.45             -405            -3.23
投资损益                                      689              3.88             -624            -4.97
公允价值变动损益                          1,435                8.08            2,037            16.24
汇兑损益                                     -466             -2.62              -19            -0.15
其他业务收入                              1,410                7.94              750             5.98
合     计                                17,761              100.00           12,545           100.00
       4、资产减值损失
                                                                                 单位: 人民币百万元

     项目                                        本报告期                           上年同期
                                        金额            占比(%)            金额          占比(%)
 发放贷款和垫款                        19,775                97.46           10,426            89.06
 其他应收款                               128                 0.63              118             1.01
 抵债资产                                      6              0.03               24             0.21
 应收利息                                 167                 0.82              119             1.02
 应收融资租赁款                                -                 -              107             0.91
 应收款项类投资                           216                 1.06              912             7.79
 合计                                  20,292               100.00           11,706        100.00


       (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2,856.96亿元,比2014年底增加了255.27
亿,增幅9.81%。通过自身净利润积累及发行优先股,公司适时补充了资本。
                                                                                 单位: 人民币百万元
                            2015 年 6 月 30 日        2014 年 12 月 31 日           变动比例(%)
股本                                18,653                       18,653                           -
其他权益工具                        29,920                       14,960                   100.00
资本公积                            60,639                       60,639                           -
其他综合收益                         2,040                           1,255                 62.55
盈余公积                            63,651                       49,647                    28.21
一般风险准备                        45,917                       36,858                    24.58
未分配利润                          64,876                       78,157                   -16.99
归属于母公司股东权益合计           285,696                      260,169                        9.81
少数股东权益                         3,300                           3,116                     5.91
股东权益合计                       288,996                      263,285                        9.77
                                                 11
2015 年半年度报告摘要




    (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公司的实施和运用,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公司产品与服务
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
    ——提升公司业务专业化经营能力,夯实发展基础。增强对客户的统筹经营能力;在行
业经营和重点客户经营体系方面,打造更加差异化、针对性的营销服务模式;明确资产投向
策略,加大投放力度,突出时间优先、中长期优先、综合效益优先原则;扩大和稳定负债来
源,努力降低负债成本;持续强化投行与托管业务,增强中间业务带动效应;大力发展国际
业务。
    ——提升零售业务整合经营能力,增强市场竞争力。发挥好零售业务资本占用少、业务
稳定性强等优势,持续推动零售业务大发展;全面推进客户经营 2.0 体系落地;加强中高端
客户财富管理,优化金融资产结构;扎实推进零售信贷业务;推动信用卡收入与客户并举,
持续增强创收能力;加快 SPDB+战略落地,推进线上与线下服务渠道整合建设;持续加强专
业化的零售队伍建设。
    ——提升金融市场业务创利能力,提高效益贡献度。推动金融机构客户的立体化营销,
在监管机构新的“大存款”口径下拓宽发展空间;促进资产管理业务的多元化发展,加强产
品、资产、盈利模式与销售渠道的多元化;加强场外自营业务的稳健发展,提升自营投融资
能力;推进代客代理业务创新发展,扩大稳定的中间业务收入来源。
    ——提升风险防控与化解能力,积极维护经营成果。全力开展不良贷款处置化解,丰富
化解方式;做好风险政策管理,提升政策引领能力,强化重点领域风险管控;优化风险管理
体制机制,不断适应发展要求;加快推进新资本协议实施,努力实现风险管理科学化水平迈
上新台阶;持续加强合规案防与审计工作,严守风险底线。
    ——提升科技与运营支撑能力,保障全行创新转型。以需求中心建设、自主开发平台建
设为抓手,提高科技研发效率,确保完成重点项目;扎实提升运维保障水平,确保安全稳定
运行;着力推进“轻前台、强后台、稳内控”的运营模式建设,提升集约化、智能化水平,
增强差异化的运营服务能力。
    ——提升基础管理能力,确保全行可持续发展。全面推进集团整合管理与协同经营,更
好地发挥战略协同效应;完善资源配置管理与考核评价,保证效益增长;继续做好人力资源
管理,积极营造人才发展的有利环境。




                                        12
2015 年半年度报告摘要



    (十)报告期利润分配执行情况
    1、公司 2014 年度利润分配方案已经 2014 年年度股东大会通过,即“分配普通股股利
每 10 股派发 7.57 元人民币(含税)”。股权登记日为 2015 年 6 月 19 日,除息日为 2015
年 6 月 23 日,现金红利发放日为 2015 年 6 月 23 日。公告刊登在 2015 年 6 月 15 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、2015 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              2015 年 6 月 30 日     2014 年 12 月 31 日       2013 年 12 月 31 日
资产总额                             4,603,740                 4,195,924              3,680,125
负债总额                             4,314,744                 3,932,639              3,472,898
存款总额                             2,988,843                 2,793,224              2,479,001
其中:企业活期存款                     732,065                   801,622                746,749
      企业定期存款                   1,330,578                 1,086,841                950,351
      储蓄活期存款                     117,349                   111,674                100,065
      储蓄定期存款                     399,591                   363,714                327,905
贷款总额                             2,174,434                 2,028,380              1,767,494
其中: 正常贷款                      2,146,692                 2,006,795              1,754,433
       不良贷款                         27,742                    21,585                 13,061
同业拆入                                74,483                    63,098                 61,981
贷款损失准备                            68,092                    53,766                 41,749
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;
   (3)根据监管机构有关规定,报告期内将表内理财产品纳入结构性存款统计,上年末及2013年末相关
数据作同口径调整。
    2、资本结构及杠杆率情况
    2.1资本构成 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
                                        2015 年 6 月 30 日                   2014 年 12 月 31 日
            项       目
                                     母公司口径        集团口径        母公司口径         集团口径
 资本总额                               346,938          351,465           321,660          325,974
   1、核心一级资本                      254,510          257,956           244,085          247,473
   2、其他一级资本                       29,920              30,049          15,000          15,080
   3、二级资本                           62,508              63,460          62,575          63,421
 资本扣除项                               4,505                 993           4,142           1,068
   1、核心一级资本扣减项                  4,005                 493           3,642                568
   2、其他一级资本扣减项                       -                  -               -                  -

                                               13
2015 年半年度报告摘要



   3、二级资本扣减项                              500                 500                    500               500
 资本净额                                   342,433               350,472              317,518             324,906
 最低资本要求(%)                               8.00                  8.00                 8.00                8.00
 储备资本和逆周期资本要求(%)                   2.50                  2.50                 2.50                2.50
 附加资本要求                                       -                    -                     -                 -
 信用风险加权资产                         2,874,505             2,922,537            2,606,223        2,649,928
 市场风险加权资产                            35,070                35,519               22,646              22,646
 操作风险加权资产                           194,116               196,323              194,116             196,323
 风险加权资产合计                         3,103,691             3,154,379            2,822,985        2,868,897
 核心一级资本充足率(%)                         8.07                  8.16                 8.52                8.61
 一级资本充足率(%)                             9.04                  9.11                 9.05                9.13
  资本充足率(%)                           11.03         11.11           11.25         11.33
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》,公司在官方网站(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12.22%,比上年末提高0.36个百分点;核心资本充足率8.39%,比上年末降低0.22个百分
点。集团口径的资本充足率 12.31%,核心资本充足率8.45%。
    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 270.2 亿元。


     2.2 杠杆率情况
     根据中国银监会《商业银行杠杆率管理办法(修订)》的要求,公司对杠杆率指标进行了
计量。法人口径下,报告期末的杠杆率为 5.15%,较 2014 年末下降 0.01 个百分点;集团口径
下,报告期末的杠杆率为 5.22%,较 2014 年末上升 0.03 个百分点。
                                                                                             单位:人民币百万元
                                                         2015 年 6 月 30 日               2014 年 12 月 31 日
                     项目
                                                   母公司口径        集团口径         母公司口径          集团口径
一级资本净额                                            280,425          287,512          255,443            261,985
调整后的表内外资产余额                              5,450,097        5,510,712         4,951,118           5,043,422
杠杆率(%)                                                  5.15              5.22              5.16             5.19
     公司在官方网站(www.spdb.com.cn)投资者关系专栏披露本报告期杠杆率相关明细信息

     3、公司前三年其他监管财务指标
                                                          报告期末              2014 年               2013 年
                   项目                   标准值
                                                    期末          平均       年末     平均         年末      平均
                    资本充足率(%)        ≥8.9        11.03    11.30       11.25     10.94       10.85     11.15
《商业银行资本管
                    一级资本充足率(%)    ≥6.9         9.04     9.22        9.05      8.64        8.45      8.46
理办法(试行)》(注)
                   核心一级资本充足率(%) ≥5.9         8.07     8.38        8.52      8.54        8.45      8.46
《商业银行资本充 资本充足率                 ≥8         12.22    12.14       11.86     11.35       11.36     11.94
足率管理办法》      核心资本充足率          ≥4          8.39     8.52        8.61      8.52        8.56      8.69
                                                   14
2015 年半年度报告摘要



                          人民币          ≥25      38.98     36.03   30.68    34.87     30.86   32.60
  资产流动性比率(%)
                          本外币合计      ≥25      41.06     37.80   32.93    36.03     31.34   33.22
                          人民币          ≤75      70.19     71.45   71.73    71.47     72.30   70.29
  存贷比(%)
                          本外币合计      ≤75      70.51     71.63   71.99    71.42     73.01   71.26
                          拆入资金比      ≤4          1.70    2.10    1.56     1.66      2.03    1.67
  拆借资金比例(%)
                          拆出资金比      ≤8          1.44    1.29    1.13     1.44      1.45    2.11
  单一最大客户贷款比例(%)               ≤10         2.02    1.67    1.54     1.77      1.92    2.00
  最大十家客户贷款比例(%)               ≤50  12.28 11.63 11.69 12.22 13.01 12.60
      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 1,368 个分支机构,具体情况详见下表:
                                                                                 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                        2830           989,269     1367
 2          上海分行        上海市浦东南路588号                         3940           700,010     175
 3          杭州分行        杭州市延安路129号                           2237           189,174      62
 4          宁波分行        宁波市江厦街21号                            1385           107,245      29
 5          南京分行        南京市中山东路90号                          2917           296,301      88
 6          北京分行        北京市西城区太平桥大街 18 号                1505           387,784      69
 7          温州分行        温州市车站大道高联大厦1-3层                  775            47,263      23
 8          苏州分行        苏州市工业园区钟园路718号                    785            96,841      26
 9          重庆分行       重庆市北部新区高新园星光大道 78 号            721            72,791      33
 10         广州分行        广州市天河区珠江西路12号                    1446           171,316      54
 11         深圳分行       深圳市福田区福华三路国际商会中心             1114           221,717      62
 12         昆明分行        昆明市东风西路156号                          633            52,747      24
 13         芜湖分行        芜湖市瑞祥路88号皖江财富广场A3楼             316            26,669      11
 14         天津分行        天津市河西区宾水道增9号D座                  1194           225,887      33
 15         郑州分行        郑州市金水路299号                           1674           197,990      58
 16         大连分行        大连市沙河口区会展路45号                    1048           157,112      47
 17         济南分行        济南市黑虎泉西路139号                       1256           101,987      40
 18         成都分行        成都市成华区二环路东二段22号                 794           113,665      35
 19         西安分行        西安市高新区丈八西路2号                      863            74,996      42
 20         沈阳分行        沈阳市沈河区奉天街326号                      768            59,430      30
 21         武汉分行        武汉市江汉区新华路 218 号                    778            59,019      26
 22         青岛分行        青岛市香港东路195号T9楼                      660            63,742      24
 23         太原分行        太原市迎泽大街 333 号                        809            64,554      36
 24         长沙分行        长沙市芙蓉中路一段 478 号                    889            63,317      45
 25        哈尔滨分行       哈尔滨市南岗区红旗大街 226 号                581            80,892      23


                                                  15
2015 年半年度报告摘要



 26        南昌分行         南昌市红谷中大道 1402 号                      612          44,270            29
 27        南宁分行         南宁市金浦路 22 号                            534                            20
                                                                                       59,310
 28      乌鲁木齐分行       乌鲁木齐市新华南路 379 号                     477                            18
                                                                                       44,243
 29        长春分行         长春市人民大街3518号                          372                            10
                                                                                       46,577
 30      呼和浩特分行     呼和浩特赛罕区敕勒川大街18号东方君座            456          33,126            17
 31        合肥分行         合肥市长江西路3号                             546          72,406            21
 32        兰州分行         兰州市广场南路101号                           451          56,330            26
 33       石家庄分行        石家庄市自强路35号                            663          45,224            26
 34        福州分行         福州市湖东路222号                             634          86,468            44
 35        贵阳分行         贵阳市延安中路20号                            309          34,039            5

 36        厦门分行         厦门市厦禾路 666 号                           255          23,731            9
 37        香港分行       香港中环夏悫道 12 号美国银行中心 15 楼          121          69,585            -
 38        西宁分行         西宁市城西区微波巷 1 号 1-7 亚楠大厦          132          18,583            5
 39       海口分行          海口市玉沙路 26 号                            102          13,850            2
 40 上海自贸试验区分行      上海市浦东新区加枫路 18 号 4 楼                43           1,309            -
 41       银川分行          银川市兴庆区新华东街 51 号                     69           9,353            -
       总行直属经营机构                                                   5951         89,146            41
           汇总调整                                                        -         -818,612            -

          全行总计                                              43,645              4,550,656         1368
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                      2,077,079                 95.52                        5.77
          关注类                          69,613                   3.20                     61.84
          次级类                          15,582                   0.72                     30.40
          可疑类                          10,276                   0.47                     29.16
          损失类                            1,884                  0.09                     12.14
           合计                       2,174,434                100.00                        7.20


           分类                       本报告期                占比%               2014 年 12 月 31 日
         重组贷款                             117                  0.01                         120
         逾期贷款                         60,322                   2.77                     38,725

      5.2 期末不良贷款情况及采取的相应措施
    一是结合当前稳增长的宏观政策导向,加大对重点行业、重点领域的信贷投放,实现信
贷规模的稳定增长;二是强化重点行业、重点业务的组合管理,实现集中度的有效控制;三
是加大信贷结构调整力度,通过现金清收、结构优化等多种手段,积极化解存量信贷资产的
风险;四是继续优化公司和零售信贷业务预警机制,科学设置预警指标,提升预警系统功能,
提高预警准确性;五是持续开展风险排查,扩大检查的广度和深度,针对重点业务开展专项
检查,防范系统性风险,夯实信贷资产质量;六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,强化重点区域风险管控和对重点分行清收化解专业指导。

                                                    16
2015 年半年度报告摘要



    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                                                                   53,766
贷款减值准备金本期计提                                                                     19,775
贷款减值准备金本期核销                                                                     -5,372
贷款减值准备金本期转出                                                                           -
收回原转销贷款和垫款导致的转回                                                                303
因折现价值上升转回                                                                           -403
汇率变动                                                                                       23
贷款减值准备金的期末余额                                                    68,092
    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                                          2014 年 12 月 31 日                   2015 年 6 月 30 日
债券及其他应收款项类投资                                           8,357                             10,175
 贷款                                                              7,361                              7,544
 存放央行及同业往来                                                1,251                                902
 买入返售金融资产                                                     19                                 12
 其他                                                                340                                267
 合计                                                             17,328                             18,900


    8、抵债资产                                                                          单位: 人民币百万元
                                    2015 年 6 月 30 日                          2014 年 12 月 31 日
           类别
                                 金额            计提减值准备金额            金额          计提减值准备金额
           房地产                 1,007                    556                 929                     634
           法人股                       72                  38                  78                      52
            其他                        28                  18                      8                    4
            合计                  1,107                    612               1,015                     690



    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
                                             报告期                                     2014 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                   785,413                   0.77            740,686                    0.75
  企业定期存款               1,176,721                     3.62        1,077,798                      3.58
  储蓄活期存款                   103,057                   0.38              97,228                   0.39
  储蓄定期存款                   367,001                   2.98            350,730                    3.01
  保证金存款                     393,127                   2.21            382,410                    2.49


                                                      17
2015 年半年度报告摘要



    9.2 主要贷款类别                                                                         单位: 人民币百万元

                                            报告期                                       2014 年度
         类别
                               平均余额              平均利率(%)         平均余额              平均利率(%)
  企业贷款                      1,573,519                   6.12         1,430,650                        6.44
  零售贷款                        493,062                   6.08           426,242                        6.27
  票据贴现                         57,124                   4.96               52,302                     6.29
    2015 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 11,175.69 亿元,平
均收益率 6.01%;中长期贷款平均余额 9,490.12 亿元,平均收益率 6.23%。
    9.3 其他                                                                                 单位: 人民币百万元

                                            报告期                                      2014 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                 491,081                    1.54          482,332                       1.54
存放同业款项及拆出资金           193,120                    2.27          207,785                       3.65
买入返售金融资产                 195,982                    4.71          294,863                       5.82
债券及应收款项类投资           1,360,574                    5.44        1,010,398                       5.52
同业及其他金融机构存放
                                 980,922                    3.99          842,452                       4.93
款项和拆入资金
卖出回购金融资产                  61,656                    3.29              58,263                    3.52
已发行债务证券                   179,229                    4.48              85,661                    5.11
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。
    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
国家开发银行 2015 年第二期金融债券 1 年          3,660                3.64%                  2016-02-05        减值
国家开发银行 2015 年第九期金融债券 7 年          3,350                4.25%                  2022-04-13        准备
中国民生银行银行 2012 年第一期金融债券 5 年      3,250                4.30%                  2017-02-14          -
中国农业发展银行 2015 年第二期金融债券 5 年      2,780                4.02%                  2020-01-14          -
中国进出口银行 2010 年第六期金融债券 5 年        2,750       一年定存利率+0.25%              2015-08-25          -
中信银行股份有限公司 2013 年金融债券 5 年        2,600                5.20%                  2018-11-12          -
中国进出口银行 2015 年第三期金融债券 5 年        2,220                3.85%                  2020-01-26          -
中国农业发展银行 2014 年第九期金融债券 7 年      2,130                5.55%                  2021-02-20          -
国家开发银行 2014 年第二十九期金融债券 10 年     2,120                4.22%                  2024-11-20          -
国家开发银行 2010 年第二十二期金融债 10 年       2,080       一年定存利率+0.45%              2020-08-11          -

    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                                            511,815               2,848                  2,136
    外汇远期合同                                             48,471                    341                 187
    利率互换合同                                            533,407                    477               1,479
    期权合约                                                 45,631                    171                 155
    贵金属远期合约                                           53,885               2,141                    135

                                                     18
2015 年半年度报告摘要



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                                          -                -                  -
   利率互换合同                                       6,318                   3                 64
   合       计                                                            5,981            4,156



    11、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                     2015 年 6 月 30 日                2014 年 12 月 31 日
信贷承诺                                    1,066,658                              1,013,381
其中:
     银行承兑汇票                             660,081                                574,709
     信用证下承兑汇票                         158,954                                157,179
     开出保函                                 134,534                                143,042
     开出信用证                                12,820                                 31,051
     信用卡及其他承诺                         100,269                                107,400
经营租赁承诺                                      9,630                                9,045
资本性支出承诺                                    247                             207
    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。


    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 2015 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:2015 年 8 月 18 日




                                             19
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