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浦发银行(600000)公告正文

浦发银行:2015年年度报告摘要

公告日期 2016-04-07
股票简称:浦发银行 股票代码:600000
2015 年年度报告摘要




            上海浦东发展银行股份有限公司
                2015 年年度报告摘要

   一、重要提示
    1.1 为全面了解本公司的经营成果、财务状况及未来发展规划,投资者应当到上海证券
交易所网站等中国证监会指定网站上仔细阅读年度报告全文。
    1.2 本公司董事会、监事会及董事、监事、高级管理人员保证年度报告内容的真实、
准确、完整,不存在虚假记载、误导性陈述或重大遗漏,并承担个别和连带的法律责任。
    1.3 公司于 2016 年 4 月 5 日在上海召开第五届董事会第五十四次会议审议通过本报
告,邵亚良董事因公务无法亲自出席会议,书面委托顾建忠董事代行表决权;独立董事张维
迎因公务无法亲自出席会议,书面委托独立董事郭为代行表决权;其余董事亲自出席会议并
行使表决权。
    1.4 公司 2015 年度分别按照企业会计准则和国际财务报告准则编制的财务报表均经
普华永道中天会计师事务所(特殊普通合伙)审计,并出具了标准无保留意见的审计报告。
    1.5 利润分配预案:以 2016 年 3 月 18 日变更后的普通股总股本 19,652,981,747 股为
基数,向全体股东每 10 股派送现金股利 5.15 元人民币(含税),合计分配 101.21 亿元,
以资本公积按每 10 股转增 1 股,合计转增人民币 19.65 亿元。


    1.6 公司基本情况简介
股票种类          股票上市交易所 股票简称         股票代码         变更前股票简称
普通股A股         上海证券交易所 浦发银行         600000
优先股            上海证券交易所 浦发优1、浦发优2 360003、360008

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
    电子信箱          mushi@spdb.com.cn       Yanggp@spdb.com.cnwur2@spdb.com.cn




                                          1
2015 年年度报告摘要




     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
                                          2015 年末          2014 年末        本年比上年增       2013 年末
             主要会计数据
                                              审计数             审计数           减(%)           审计数
资产总额                                      5,044,352          4,195,924           20.22        3,680,125
归属于母公司股东的净资产                        315,170            260,169           21.14          204,375

归属于母公司普通股股东的净资产                  285,250            245,209           16.33          204,375
期末普通股总股本                                 18,653             18,653            持平           18,653

归属于母公司普通股股东的每股净资产
                                                 15.292             13.146           16.32           10.957
                                                                               本期比上年
                                           2015 年               2014 年                          2013 年
                                                                                同期增减
                                              审计数              审计数                          审计数
                                                                                   (%)
经营活动产生的现金流量净额                      358,820            191,158           87.71          308,406
营业收入                                        146,550            123,181           18.97          100,015
归属于母公司股东的净利润                         50,604             47,026            7.61           40,922
归属于母公司股东的扣除非经常性损益
                                                 49,561             46,650            6.24           40,397
的净利润

                                                                                 下降 2.20
加权平均净资产收益率(%)                         18.82              21.02                            21.53
                                                                                 个百分点
基本每股收益(元/股)                            2.665              2.521            5.71            2.194
稀释每股收益(元/股)                            2.665              2.521            5.71            2.194


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日和2015年3月6日,分别向境
内投资者非公开发行票面金额为150亿元股息不可累积的优先股(浦发优1和浦发优2)。根据2015年11月16
日的董事会决议,公司对浦发优1发放股息,共计人民币9亿元。在计算本年度报告披露的基本每股收益及
加权平均净资产收益率时,公司考虑了浦发优1已宣告发放的优先股股息的影响。
    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。
    补充财务比例
财务比例(%)                       2015 年           2014 年             本年比上年增减           2013 年
盈利能力指标
平均总资产回报率                       1.10               1.20              下降 0.10 个百分点         1.21
全面摊薄净资产收益率                  17.42             19.18               下降 1.76 个百分点        20.02
扣除非经常性损益后全面摊薄净
资产收益率                            17.06             19.02               下降 1.96 个百分点        19.77
净利差                                 2.26               2.27              下降 0.01 个百分点         2.26
净利息收益率                           2.45               2.50              下降 0.05 个百分点         2.46
成本收入比                            21.86             23.12               下降 1.26 个百分点        25.83
现金分红比例                          20.00             30.03              下降 10.03 个百分点        30.08

                                                   2
 2015 年年度报告摘要



 占营业收入百分比
 利息净收入比营业收入                   77.11             79.71           下降 2.60 个百分点          85.16
 非利息净收入比营业收入                 22.89             20.29           上升 2.60 个百分点          14.84
 手续费及佣金净收入比营业收入           18.97             17.33           上升 1.64 个百分点          13.90
 资产质量指标
 不良贷款率                              1.56              1.06           上升 0.50 个百分点           0.74
 贷款减值准备对不良贷款比率            211.40            249.09          下降 37.69 个百分点          319.65
 贷款减值准备对贷款总额比率              3.30              2.65           上升 0.65 个百分点           2.36
 注:(1)平均总资产回报率=净利润/资产平均余额,资产平均余额=(期初资产总额+期末资产总额)/2;
    (2)全面摊薄净资产收益率=报告期归属于母公司普通股股东的净利润/期末归属于母公司普通股股东
 的净资产;
    (3)扣除非经常性损益后全面摊薄净资产收益率=报告期归属于母公司普通股股东的扣除非经常性损益
 的净利润/归属于母公司普通股股东的所有者权益;
    (4)净利差为总生息资产平均收益率与总计息负债平均成本率两者的差额;
    (5)净利息收益率=净利息收入/总生息资产平均余额;
    (6)成本收入比=业务及管理费用/营业收入。

      2015 年本集团分季度主要财务数据
                                                                                        单位:人民币百万元
                                       第一季度          第二季度          第三季度              第四季度
                                  (1-3 月份)          (4-6 月份)      (7-9 月份)      (10-12 月份)
 营业收入                                  32,991             37,710            37,931                37,918
 利润总额                                  14,794             16,732            17,464                17,887
 归属于母公司股东的净利润                  11,194             12,709            13,259                13,442
 归属于母公司股东的扣除非经常
 性损益后的净利润                          11,071             12,395            12,936                13,159
 经营活动产生的现金流量净额               -81,389            292,082            83,950                64,177


      2.2 前十名普通股股东持股情况
                                                             年度报告披露日前上月末的普
 报告期末普通股股东总数                      196,015                                               184,005
                                                                       通股股东总数
 前十名股东持股情况
                                                                                          持有限
                                                                                比 例                 质押或
 股东名称                                    持股总数         报告期内增减                售股份
                                                                                (%)                   冻结数
                                                                                          数量
 中国移动通信集团广东有限公司             3,730,694,283                     -   20.00             -      -
 上海国际集团有限公司                     3,157,513,917                     -   16.93             -      -
 富德生命人寿保险股份有限公司-传统       1,943,662,429      +1,943,662,429     10.42             -      -
富德生命人寿保险股份有限公司-万能 H      1,207,193,374      +1,207,193,374      6.47             -      -
 上海上国投资产管理有限公司                 975,923,794        +975,923,794      5.23             -      -
 梧桐树投资平台有限责任公司                 619,672,265        +619,672,265      3.32             -      -
 富德生命人寿保险股份有限公司-分红         474,138,345        +474,138,345      2.54             -      -
 中国证券金融股份有限公司                   424,454,138        +336,183,181      2.28             -      -
 上海国鑫投资发展有限公司                   377,101,999                     -    2.02             -      -
 中央汇金资产管理有限责任公司               278,686,300        +278,686,300      1.49             -      -
                                                    3
2015 年年度报告摘要




    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


    (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


    三、管理层讨论与分析
    3.1 本集团整体经营情况
    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。按照董事会确定的战略与年度目标,公司加强战略引
领,及时优化经营策略,推进金融创新,服务实体经济,积极扎实工作,取得了较好成绩,
圆满完成了“十二五”规划期的主要任务,为“十三五”开局奠定了良好的基础。
    ——报告期内本集团实现营业收入 1,465.50 亿元,比 2014 年增加 233.69 亿元,增长
18.97%;实现利润总额 668.77 亿元,比 2014 年增加 48.47 亿元,增长 7.81%;税后归属于

                                                 4
2015 年年度报告摘要



母公司股东的净利润 506.04 亿元,比 2014 年增加 35.78 亿元,增长 7.61%。2015 年平均资
产利润率为 1.10%,比上年下降了 0.10 个百分点;加权平均净资产收益率为 18.82%,比上
年下降了 2.20 个百分点。报告期内,集团继续努力控制各类成本开支,成本收入比率为
21.86%,较上年下降 1.26 个百分点。
    ——报告期末本集团资产总额为 50,443.52 亿元,比 2014 年底增加 8,484.28 亿元,增
长 20.22%;其中本外币贷款余额为 22,455.18 亿元,比 2014 年底增加 2,171.38 亿元,增
幅 10.70%。本集团负债总额 47,257.52 亿元,其中,本外币存款余额为 29,541.49 亿元,
比 2014 年底增加 1,609.25 亿元,增幅 5.76%。
    ——报告期末,按五级分类口径统计,本集团后三类不良贷款余额为 350.54 亿元,比
2014 年底增加 134.69 亿元;不良贷款率为 1.56%,较 2014 年末上升 0.50 个百分点;不良
贷款的准备金覆盖率达到 211.40%,比 2014 年末下降了 37.69 个百分点,在国内同行业中
仍处于较好水平;贷款拨备率(拨贷比)3.30%,较年初提高 0.65 个百分点。
    ——报告期内集团化、综合化、国际化经营有序推进:一是香港分行经营运作日趋顺畅,
资产总额已达 873.94 亿元,客户存款 215.29 亿元,实现净利润 3.31 亿元;香港分行作为
公司跨境金融服务平台、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,截止报告期末,25 家浦发村镇银行业务保持良好发展势头,资产
总额达到 320.24 亿元,比 2014 年底增加 24.56 亿元,增长 8.31%;实现税前账面利润 5.39
亿元,降幅 8.33%,各项贷款中涉农和小微贷款占比达到 95%,为农村金融做出较好贡献,
树立了良好的品牌形象;浦银租赁公司资产总额 381.29 亿元,其中,融资租赁资产为 323.96
亿元,实现营业收入 12.67 亿元,净利润 5.39 亿元;浦银安盛基金公司管理资产总规模达
到 4,053 亿元;浦发硅谷银行的总资产达 26.08 亿元,存款余额 15.53 亿元;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 11,897.87 万港元,净利润 5,295.78 万港元。
    ——报告期内本集团在国际、国内继续保持了较好声誉。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,集团位列第 35 位,上榜中资银行第 8 位;在“2015
年全球银行品牌 500 强”集团排名第 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,
集团位列第 296 位,居中资企业第 59 位;美国《福布斯》杂志“2015 年全球企业 2000 强”
集团排名第 84 位,位列上榜中资企业第 15 位,居上榜中资银行第 9 位。

    3.2 主营业务分析
    3.2.1 利润表及现金流量表相关科目变动分析
                                                                           单位:人民币百万元
      项目                          本期数                上年同期数              变动比例%
营业收入                                146,550                  123,181               18.97
业务及管理费用                           32,034                   28,475               12.50
营业利润                                 66,067                   61,751                6.99
经营活动产生的现金流量净额              358,820                  191,158               87.71
投资活动产生的现金流量净额             -531,220                 -342,455               55.12
筹资活动产生的现金流量净额              244,782                   72,897              235.79
   变动的主要原因:
   1.营业收入增长的原因是:生息资产规模持续增加、手续费收入大幅增加。
   2.业务及管理费用增长的原因是:报告期内营业收入增加,积极控制成本,业务及管理费用增幅低于营

                                              5
2015 年年度报告摘要



     业收入。
     3.营业利润增长的原因是:营业收入增长、成本费用控制。
     4.经营活动产生的现金流量净额增长的原因是:报告期客户存款和同业存放资金的增加。
     5.投资活动产生的现金流量净额减少的原因是:报告期应收款项类投资支付的现金增加。
     6.筹资活动产生的现金流量净额增长的原因是:报告期内新增发行同业存单。


       3.2.2 营业收入情况:2015年本集团实现营业收入人民币1,465.50亿元,比上年增长
18.97%。其中营业收入中利息净收入占比为77.11%,比上年下降2.60个百分点,手续费及佣
金净收入的占比为18.97%,比上年上升1.64个百分点。
       3.2.3 业务总收入变动情况                                                 单位:人民币百万元

项目                                      金    额          占业务总收入比重(%) 较上年同期增减(%)
贷款收入                                       128,273                 48.71                  5.07
拆借收入                                         3,892                  1.48                128.67
存放央行收入                                     7,554                  2.87                  1.96
存放同业及其他金融机构收入                       2,373                  0.90                -59.90
买入返售收入                                     6,866                  2.61                -59.96
债券及应收款项类投资收入                        77,849                 29.57                39.12
手续费及佣金收入                                29,313                 11.13                31.32
融资租赁                                         2,104                  0.80                28.53
其他收入                                         5,086                  1.93                33.35
合     计                                      263,310                100.00                10.64


       3.3 本集团财务数据分析
       会计报表中变动超过 30%以上项目及原因                                       单位:人民币百万元
项目                       2015 年末   2014 年末         增减%    报告期内变动的主要原因
                                                                   拆出境外商业银行以及境内非银行金
拆出资金                     137,806      21,969          527.27
                                                                   融机构资金规模增加
贵金属                        28,724      11,707          145.36   租出实物黄金交易规模增加
以公允价值计量且其变动                                             交易性企业债券规模增加
                              63,746      32,841           94.10
计入当期损益的金融资产
衍生金融资产                  10,610       2,612          306.20   公允价值估值变化所致
买入返售金融资产             110,218     196,188          -43.82   买入返售金融票据资产规模减少
                                                                   报告期内持有政策性银行债券资产规
持有至到期投资               239,703     121,698           96.97
                                                                   模增加
                                                                   持有资金信托计划及资产管理计划规
应收款项类投资             1,325,032     877,171           51.06
                                                                   模增加
                                                                   子公司购入的用于经营租赁的飞行设
固定资产                      19,062      13,929           36.85
                                                                   备增加
递延所得税资产                14,427      10,692           34.93   可抵扣暂时性差异增加
同业及其他金融机构存放                                             其他金融机构存放款项规模增加
                           1,042,948     761,531           36.95
款项
拆入资金                      99,589      63,098           57.83   境内银行拆入款项规模增加
以公允价值计量且其变动           210           312        -32.69   贵金属现货卖空头寸减少

                                                     6
2015 年年度报告摘要



计入当期损益的金融负债
衍生金融负债                       7,319         3,303           121.59       公允价值估值变化所致
卖出回购金融资产款            119,205           68,240            74.68       卖出回购票据规模增加
已发行债务证券                                                                发行二级资本债券及同业存单规模增
                              399,906          146,667           172.66
                                                                              加
递延所得税负债                         7                -        不适用       子公司应纳税暂时性差异增加
其他权益工具                   29,920           14,960           100.00       发行优先股
其他综合收益                                                                  市场收益率波动,可供出售金融资产公
                                   5,713         1,255           355.22
                                                                              允价值变动上升


项目                         2015 年度       2014 年度           增减%       报告期内变动的主要原因
手续费及佣金净收入             27,798          21,346            30.23        收入结构优化,手续费及佣金收入增加
投资损益                            461          -262           不适用        债券投资收益增加
公允价值变动损益                   2,991        2,262            32.23        市场波动导致衍生交易公允价值上升
汇兑损益                            -713         -53            不适用        市场汇率波动,汇兑损益下降
其他业务收入                       3,004        1,705            76.19 票据买卖收益以及贵金属租赁收入增加
资产减值损失                                                                  贷款拨备计提增加,拨贷比进一步提
                               38,795          24,193            60.36        高,风险抵补能力增强
营业外收入                          983          443            121.90        抵债资产和非流动资产处置收入的增加


       3.4 资产情况分析
       截至报告期末,本集团资产总额50,443.52亿元,比2014年底增加8,484.28亿元,增长
20.22%。
       3.4.1 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 12 月 31 日                                           2014 年 12 月 31 日
                                                        不良贷款                               不良贷款       不良贷款
               贷款总额              不良贷款总额                              贷款总额
                                                        率(%)                                总额           率(%)
公司贷款             1,596,134              27,286              1.71          1,519,765           17,680          1.16
票据贴现                  62,080                  -               -                43,833               -               -
个人贷款              587,304                7,768              1.32           464,782             3,905          0.84
总计                 2,245,518              35,054              1.56          2,028,380           21,585          1.06
    截至报告期末,公司贷款占比71.09%,较期初下降3.84个百分点,个人贷款占比26.15%,
较期初上升3.24个百分点,票据贴现占比2.76%,较期初上升0.60个百分点。

       3.4.2 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 12 月 31 日                              2014 年 12 月 31 日
                                                  占总贷款        不良贷款                        占总贷款 不良贷款
                                    贷款余额                                        贷款余额
                                                  比例(%)       率(%)                         比例(%) 率(%)
企业贷款                            1,596,134         71.09            1.71        1,519,765          74.93       1.16
制造业                                350,252         15.61            3.99          376,429          18.56       2.60
批发和零售业                          299,024         13.32            2.99          317,184          15.64       1.68
房地产业                              236,579         10.54            0.35          201,190           9.92       0.33

                                                            7
2015 年年度报告摘要


租赁和商务服务业                     168,908        7.52         0.11     126,770        6.25         0.06
建筑业                               125,383        5.58         0.52     113,124        5.58         0.28
交通运输、仓储和邮政业                99,416        4.43         0.44        97,023      4.78         0.55
水利、环境和公共设施管理业            92,399        4.11         0.18        81,342      4.01         0.14
采矿业                                60,021        2.67         2.12        61,829      3.05         0.41
电力、热力、燃气及水生产和
                                      46,785        2.08         0.14        44,542      2.20         0.22
供应业
农、林、牧、渔业                      19,924        0.89         0.83        17,892      0.88         0.26
公共管理、社会保障和社会组            15,073        0.67           -         9,318       0.46              -
信息传输、软件和信息技术服

                                      12,452        0.55         1.59        12,643      0.62         1.37
务业
住宿和餐饮业                          11,858        0.53         1.46        10,431      0.51         0.71
居民服务、修理和其他服务业            11,787        0.52         0.46        9,123       0.45         0.33
卫生和社会工作                        11,416        0.51           -         9,364       0.46         0.53
教育                                  11,204        0.50         0.12        11,005      0.54         0.34
文化、体育和娱乐业                        7,717     0.34         0.81        5,589       0.28         0.79
科学研究和技术服务业                      7,616     0.34         0.54        6,887       0.34         0.49
金融业                                    4,386     0.20           -         4,656       0.23              -
其他                                      3,934     0.18         0.86        3,424       0.17              -
票据贴现                              62,080        2.76           -         43,833      2.16              -
银行承兑汇票贴现                      48,043        2.14           -         34,273      1.69              -
转贴现                                    8,785     0.39           -         7,304       0.36              -
商业承兑汇票贴现                          5,252     0.23           -         2,256       0.11              -
个人贷款                             587,304       26.15         1.32     464,782       22.91         0.84
总计                               2,245,518      100.00         1.56   2,028,380      100.00         1.06


       3.5 负债情况分析
       截至报告期末,本集团负债总额47,257.52亿元,较期初增加7,931.13亿元,增长20.17%。
       3.5.1 客户存款构成
                                                                                      单位: 人民币百万元

                                   2015 年 12 月 31 日                        2014 年 12 月 31 日
   项     目
                             余     额            占比(%)             余     额           占比(%)
活期存款                  1,086,248                      36.76           913,296                32.69
其中:公司存款               956,336                     32.37           801,622                28.70
         个人存款            129,912                      4.39           111,674                    3.99
定期存款                  1,516,936                      51.35          1,450,555               51.93
其中:公司存款            1,144,900                      38.76          1,086,841               38.91
         个人存款            372,036                     12.59           363,714                13.02
保证金存款                   319,832                     10.83           418,068                14.97
国库存款                      27,451                      0.93               8,072                  0.29
其他存款                          3,682                   0.13               3,233                  0.12
合计                      2,954,149                  100.00             2,793,224               100.00




                                                     8
2015 年年度报告摘要



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

                                      2015 年 12 月 31 日                2014 年 12 月 31 日
  交易对方
                                    余额            占比(%)        余额                  占比(%)
   银行同业                       339,032                 32.51      388,674                       51.04
   非银行同业                     703,916                 67.49      372,857                       48.96
   合        计                  1,042,948               100.00      761,531                   100.00



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

                                      2015 年 12 月 31 日              2014 年 12 月 31 日
  品     种
                                    余额            占比(%)        余额                  占比(%)
   债    券                         43,756                36.71       48,613                       71.24
   票    据                         74,995                62.91       18,922                       27.73
   其他金融资产业务                   454                    0.38        705                        1.03
   合    计                       119,205                100.00       68,240                   100.00


    3.6 利润表分析
    报告期内,本集团各项业务持续发展,中间业务收入快速增长,成本收入比继续保持较
低水平,实现归属于母公司股东的净利润506.04亿元,同比增长7.61%。
                                                                                   单位: 人民币百万元
        项        目                                 2015年                         2014年
   营业收入                                          146,550                          123,181
    其中: 利息净收入                                113,009                           98,183
                  非利息净收入                           33,541                        24,998
   营业税金及附加                                        8,976                             8,147
   业务及管理费                                          32,034                        28,475
   资产减值损失                                          38,795                        24,193
   其他业务成本                                              678                            615
   营业外收支净额                                            810                            279
   利润总额                                              66,877                        62,030
   所得税                                                15,880                        14,670
   净利润                                                50,997                        47,360
   少数股东损益                                              393                            334
   归属于母公司股东的净利润                              50,604                        47,026

    3.6.1利息收入
    报告期内,本集团实现利息收入2,282.54亿元,同比增加162.39亿元,增长7.66%。
                                                                                   单位: 人民币百万元

                                             2015 年度                         2014 年度
  项         目
                                    金额            占比(%)        金额                   占比(%)
 存放中央银行                         7,554                   3.31     7,409                        3.49
 存放同业                             2,373                   1.04     5,917                        2.79
 拆出资金                             3,892                   1.71     1,702                        0.80
 企业贷款                            94,157                  41.25    92,085                       43.44
 个人贷款                            31,169                  13.66    26,705                       12.60
                                                         9
2015 年年度报告摘要



 贴现及转贴现                   2,947                   1.29     3,291                    1.55
 债券投资及同业存单            19,348                   8.48    15,054                    7.10
 除债券投资及同业存单          57,278                  25.09    40,758                   19.22
 外的应收款项类投资
 买入返售金融资产               6,866                   3.01    17,147                    8.09
 融资租赁应收款                 2,104                   0.92     1,637                    0.77
 其他                                566                0.24       310                    0.15
 合        计                 228,254               100.00     212,015                  100.00
      3.6.2 利息支出
      报告期内,本集团实现利息支出1,152.45亿元,同比增加14.13亿元,增长1.24%。
                                                                            单位: 人民币百万元

                                     2015 年度                              2014 年度
     项目
                             金额                占比(%)      金额               占比(%)
 向中央银行借款                1,489                   1.29        166                   0.15
 同业往来                     36,464               31.64        41,534                  36.49
 卖出回购金融资产              1,516                   1.32      2,059                   1.81
 吸收存款                     65,012               56.41        64,703                  56.84
 已发行债务证券               10,140                   8.80      4,374                   3.84
 其他                            624                   0.54        996                   0.87
 合        计                115,245              100.00       113,832                  100.00


      3.6.3 非利息收入
    报告期内,本集团实现非利息净收入335.41亿元,同比增加85.43亿元,增长34.17%。
中间业务净收入(手续费及佣金净收入、汇兑损益和其他业务收入)300.89亿元,同比增加
70.91亿元,同比增长30.83%。
                                                                            单位: 人民币百万元

                                      2015 年度                             2014 年度
     项        目
                              金额               占比(%)      金额               占比(%)
手续费及佣金净收入            27,798               82.87        21,346                  85.39
其中: 手续费及佣金收入        29,313               87.39        22,321                  89.29
          手续费及佣金支出    -1,515               -4.52          -975                   -3.90
投资损益                         461                   1.37       -262                   -1.05
公允价值变动损益               2,991                   8.92      2,262                   9.05
汇兑损益                        -713               -2.12           -53                   -0.21
其他业务收入                   3,004                   8.96      1,705                   6.82
合        计                  33,541              100.00        24,998                  100.00

      3.6.4 业务及管理费
      报告期内,本集团营业费用支出320.34亿元,同比增加35.59亿元,增长12.50%。
                                                                            单位: 人民币百万元

                                      2015 年度                        2014 年度
     项        目
                              金额               占比(%)      金额               占比(%)
员工工资、奖金、津贴           14,763                  46.08    13,372                  46.96
福利费                               491                1.53       457                   1.60
社会保险                        2,457                   7.67     2,148                   7.54

                                                  10
 2015 年年度报告摘要



 住房公积金                            890                   2.78                  763                    2.68
 工会经费和职工教育经费                477                   1.49                  449                    1.58
 租赁费                              2,531                   7.90                2,161                    7.59
 折旧及摊销费                        2,228                   6.96                1,980                    6.95
 电子设备运转及维护费                  705                   2.20                  753                    2.64
 税金                                  243                   0.76                  215                    0.76
 其他业务费用                        7,249                  22.63                6,177                   21.70
 合计                               32,034              100.00                  28,475                  100.00
        3.6.5 资产减值损失                                                                  单位: 人民币百万元

                                                       2015 年度                                  2014 年度
    项        目
                                              金额             占比(%)                金额           占比(%)
  发放贷款和垫款                             37,070                  95.56             21,919            90.60
  应收款项类投资                                955                   2.46             1,354              5.60
  应收融资租赁款                                321                   0.83               300              1.24
  其他应收款                                    271                   0.70               421              1.74
  应收利息                                      157                   0.40               160              0.66
  抵债资产                                       21                   0.05                39              0.16
  合计                                       38,795                 100.00             24,193           100.00


        3.6.6所得税费用                                                                     单位: 人民币百万元

         项        目                                   2015 年度                                 2014 年度
    税前利润                                                  66,877                                 62,030
    按法定税率 25%计算之所得税                                16,719                                 15,508
    不得抵扣的费用                                                  249                                 279
    免税收入                                                  -1,379                                 -1,216
    影响当期损益的以前年度所得税调                                  291                                  99
    所得税费用                                                15,880                                 14,670
    整

        3.7 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3,151.70亿元,比上年底增加了550.01亿元,
增幅21.14%。本集团通过自身净利润积累、发行优先股等方式补充了资本。
                                                                                                单位: 人民币百万元
                                 2015 年 12 月 31 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                                  5,713                           1,255                      355.22
 盈余公积                                     63,651                          49,647                          28.21
 一般风险准备                                 45,924                          36,858                          24.60
 未分配利润                                   90,670                          78,157                          16.01
 归属于母公司股东权益合计                    315,170                         260,169                          21.14
 少数股东权益                                  3,430                           3,116                          10.08
 股东权益合计                                318,600                         263,285                          21.01



                                                       11
2015 年年度报告摘要




      3.8           投资状况分析
      截至报告期末,本集团投资净额18,211.80亿元,较期初增加5,986.28亿元,增长48.97%。
                                                                               单位: 人民币百万元

                                          2015 年 12 月 31 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                        254,846            13.99     222,208                18.18
应收款项类投资                        1,325,032            72.76     877,171                71.75
持有至到期投资                          239,703            13.16     121,698                 9.95
长期股权投资                              1,599             0.09       1,475                 0.12
合        计                          1,821,180           100.00   1,222,552            100.00


     3.9        公司 2016 年度经营计划
      ——总资产规模达到 5.38 万亿元左右,较 2015 年末增幅 7.5%以上;
      ——本外币各项贷款余额达到 2.48 万亿元左右,增长 11%左右;
      ——力争实现净利润增长 3%左右;
      ——年末不良贷款率保持在同业较好水平,按“五级分类”口径,预计在 2%左右。
      特别提示:2016 年度的经营计划不构成公司对投资者的实质承诺,投资者应当对此保持
足够的风险认识,应当理解计划、预测与承诺之间的差异。
      3.10           公司 2015 年度利润分配预案
      根据经审计的 2015 年度会计报表, 母公司共实现净利润 501.27 亿元,2015 年初未分
配利润为 774.46 亿元,扣除 2014 年度各项利润分配事项 370.25 亿元,以及 2015 年 12 月 3
日发放的优先股(浦发优 1)股息 9 亿元后,本次实际可供普通股股东分配的利润为 896.48
亿元。
      公司已完成两期共 3 亿股优先股发行,自优先股发行以来,公司业务运营正常有序、财
务运作规范稳健,保持了可持续发展的良好趋势,基于现状,董事会有理由相信公司未来有
能力足额支付优先股股息。后续,公司将于优先股付息日前至少十个工作日召开董事会审议
优先股派息相关事宜,并通过公告的方式告知优先股股东。
     根据上述情况,公司拟定 2015 年度预分配方案如下:
     (1)按当年度税后利润 30%的比例提取任意盈余公积,共计 150.38 亿元;
     (2)提取一般准备 194.45 亿元;
     (3)以 2016 年 3 月 18 日变更后的普通股总股本 19,652,981,747 股为基数,向全体股
东每 10 股派送现金股利 5.15 元人民币(含税),合计分配 101.21 亿元,以资本公积按每
10 股转增 1 股,合计转增人民币 19.65 亿元。
     上述分配方案执行后,结余的未分配利润按照银监会对商业银行资本充足的有关要求,
留做补充资本。




                                                     12
2015 年年度报告摘要



   四、银行业务信息与数据
   4.1 本集团前三年主要财务会计数据
                                                                                   单位:人民币百万元
            项目               2015 年 12 月 31 日    2014 年 12 月 31 日       2013 年 12 月 31 日
资产总额                             5,044,352              4,195,924                   3,680,125
负债总额                             4,725,752              3,932,639                   3,472,898
存款总额                             2,954,149              2,793,224                   2,479,001
其中:企业活期存款                     956,336                  801,622                   746,749
      企业定期存款                   1,144,900              1,086,841                     950,351
      储蓄活期存款                     129,912                  111,674                   100,065
      储蓄定期存款                     372,036                  363,714                   327,905
贷款总额                             2,245,518              2,028,380                   1,767,494
其中: 正常贷款                      2,210,464              2,006,795                   1,754,433
       不良贷款                         35,054                   21,585                    13,061
同业拆入                                99,589                   63,098                    61,981
贷款损失准备                            74,105                   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。
    4.2资本结构、杠杆率及流动性覆盖率情况
    4.2.1 资本结构                                                           单位:人民币百万元
                                         2015 年 12 月 31 日                  2014 年 12 月 31 日
            项     目
                                             本行          本集团               本行          本集团
 资本总额                                 408,996          414,306           321,660          325,974
   1、核心一级资本                        284,578          288,760           244,085          247,473
   2、其他一级资本                         29,920              30,018          15,000          15,080
   3、二级资本                             94,498              95,528          62,575          63,421
 资本扣除项                                 4,053                565           4,142            1,068
   1、核心一级资本扣减项                    4,053                565           3,642                568
   2、其他一级资本扣减项                         -                 -                -                 -
   3、二级资本扣减项                             -                 -             500                500
 资本净额                                 404,943          413,741           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                       3,035,671        3,089,433          2,606,223       2,649,928
 市场风险加权资产                          34,968              35,257          22,646          22,646
 操作风险加权资产                         239,376          243,144           194,116          196,323
 风险加权资产合计                       3,310,015        3,367,834          2,822,985       2,868,897
 核心一级资本充足率(%)                       8.48               8.56             8.52               8.61
 一级资本充足率(%)                           9.38               9.45             9.05               9.13
 资本充足率(%)                              12.23              12.29           11.25            11.33
                                                 13
2015 年年度报告摘要




注:1.以上为根据中国银监会《商业银行资本管理办法(试行)》计量的本行和本集团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.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。

   4.2.2 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,对杠杆率指标进行了计量。
报告期末,本行杠杆率为 5.24%,较 2014 年末上升 0.08 个百分点;报告期末,集团杠杆率为
5.31%,较 2014 年末上升 0.12 个百分点。
                                                                             单位:人民币百万元
                                                         2015 年 12 月 31 日                 2014 年 12 月 31 日
                      项目
                                                         本行             本集团             本行           本集团
一级资本净额                                             310,445           318,213           255,443         261,985
调整后的表内外资产余额                              5,920,689         5,988,358         4,951,118          5,043,422
杠杆率(%)                                                   5.24              5.31              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。

   4.2.3 流动性覆盖率信息                                                                      单位:人民币百万元
本集团                                                                              2015 年 12 月 31 日
合格优质流动性资产                                                                       517,193.73
现金净流出量                                                                             660,469.66
流动性覆盖率(%)                                                                               78.31%


     4.3    公司前三年其他监管财务指标
                    项目                                   2015 年                 2014 年             2013 年
                                           标准值
                                                    年末           平均      年末      平均         年末     平均
                     资本充足率(%)       ≥9.3     12.23       11.69       11.25     10.94        10.85    11.15
《商业银行资本管
                     一级资本充足率(%)   ≥7.3         9.38      9.29       9.05      8.64         8.45     8.46
理办法(试行)》
                   核心一级资本充足率(%) ≥6.3         8.48      8.41       8.52      8.54         8.45     8.46
                             人民币        ≥25      34.06       34.95       30.68     34.87        30.86    32.60
  资产流动性比率(%)
                             本外币合计    ≥25      33.50       35.91       32.93     36.03        31.34    33.22
                             拆入资金比     ≤4          2.42      1.84       1.56      1.66         2.03     1.67
  拆借资金比例(%)
                             拆出资金比     ≤8          4.59      3.05       1.13      1.44         1.45     2.11
  单一最大客户贷款比例(%)                ≤10          1.43      1.58       1.54      1.77         1.92     2.00
  最大十家客户贷款比例(%)                ≤50
                                              10.87 11.31 11.69 12.22 13.01 12.60
注:1.本表中本报告期资本充足率、流动性比率、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)。
    2.按照《中国银监会关于实施<商业银行资本管理办法(试行)>过渡期安排相关事项的通知》过渡期
内对2015年底资本充足率的要求,资本充足率为9.3%,一级资本充足率为7.3%,核心一级资本充足率为6.3%。



                                                    14
2015 年年度报告摘要



     4.4    报告期公司分级管理情况及各层级分支机构数量和地区分布情况
序                                                                      资产规模     所属机
           机构名称                     地址                  职工数
号                                                                      (百万元)   构数

 1         总     行     上海市中山东一路12号                   3,171   1,027,336    1,659
 2         上海分行      上海市浦东南路588号                    4,115     702,223     183
 3         杭州分行      杭州市延安路129号                      2,281     166,744     70
 4         宁波分行      宁波市江厦街21号                       1,464     120,811     33
 5         南京分行      南京市中山东路90号                     3,036     280,406     99
 6         北京分行      北京市西城区太平桥大街 18 号           1,667     476,869     74
 7         温州分行      温州市车站大道高联大厦1-3层              744      45,566     27
 8         苏州分行      苏州市工业园区钟园路718号                824     101,127     30
 9         重庆分行      重庆市北部新区高新园星光大道 78 号       756      91,294     33
10         广州分行      广州市天河区珠江西路12号               1,520     218,532     59
11         深圳分行      深圳市福田区福华三路国际商会中心       1,404     296,211     64
12         昆明分行      昆明市东风西路156号                      705      52,721     50
13         芜湖分行      芜湖市瑞祥路88号皖江财富广场A3楼         324      27,699     11
14         天津分行      天津市河西区宾水道增9号D座             1,262     210,461     38
15         郑州分行      郑州市金水路299号                      1,892     183,440     79
16         大连分行      大连市沙河口区会展路45号               1,092     160,609     68
17         济南分行      济南市黑虎泉西路139号                  1,297     103,253     55
18         成都分行      成都市成华区二环路东二段22号             911     105,061     38
19         西安分行      西安市高新区丈八西路2号                  905      99,622     58
20         沈阳分行      沈阳市沈河区奉天街326号                  804      64,501     37
21         武汉分行      武汉市江汉区新华路 218 号                817      61,044     32
22         青岛分行      青岛市崂山区海尔路188号                  697      76,484     28
23         太原分行      太原市青年路 5 号                        866      66,333     59
24         长沙分行      长沙市芙蓉中路一段 478 号                931      68,254     52
25         哈尔滨分行    哈尔滨市南岗区红旗大街 226 号            620     104,413     27
26         南昌分行      南昌市红谷中大道 1402 号                 654      41,756     36
27         南宁分行      南宁市金浦路 22 号                       564      88,043     24
28     乌鲁木齐分行      乌鲁木齐市新华南路379号                  506      42,263     24
29         长春分行      长春市人民大街3518号                     402      51,981     14
                         呼和浩特市赛罕区敕勒川大街18号东方
30     呼和浩特分行                                               519      31,441      22
                         君座B座
31         合肥分行      合肥市滨湖新区杭州路2608号               544      61,721     28
32         兰州分行      兰州市广场南路101号                      460      72,082     33
33         石家庄分行    石家庄市自强路35号                       701      54,576     26
34         福州分行      福州市湖东路 222 号                      701      84,684     62
35         贵阳分行      贵阳市延安中路 20 号附 1 号              367      34,794     14
36         厦门分行      厦门市厦禾路 666 号之一                  267      22,032     15
37         香港分行      香港中环夏悫道12号美国银行中心15楼       131      87,394      -
38         西宁分行      西宁市城西区微波巷1号1-7亚楠大厦         158      18,114     10
39         海口分行      海口市玉沙路 26 号                       123      14,774      5

                                               15
2015 年年度报告摘要



40          银川分行       银川市兴庆区新华东街 51 号                         86         7,914         2
41 上海自贸试验区分行      上海市浦东新区加枫路18号4楼                        43            878        -
        总行直属经营机构                                                   6,828       110,538         41
            汇总调整                                                                  -751,481
            全行总计                                                       47,159    4,984,518        1,660
     注:职工数总计数、资产规模总计数、所属机构总计数均不包含控股子公司。

       4.5、报告期本集团贷款资产质量情况
                                                                                    单位:人民币百万元
           五级分类          2015 年 12 月 31 日                  占比%        与上年同期相比增减(%)
           正常类                    2,145,796                    95.56                      9.27
           关注类                        64,668                    2.88                     50.34
           次级类                        19,823                    0.89                     65.90
           可疑类                         9,542                    0.42                     19.93
           损失类                         5,689                    0.25                    238.63
           合   计                   2,245,518                    100.00                    10.70


           分    类          2015 年 12 月 31 日                  占比%            2014 年 12 月 31 日
           重组贷款                         133                    0.01                       120
           逾期贷款                      59,185                    2.64                    38,725


     4.6 贷款损失准备计提情况
                                                                                       单位:人民币百万元
本集团                                             2015 年                             2014 年
年初余额                                                53,766                            41,749
本年计提                                                37,070                            21,919
本年核销                                                -10,044                           -7,423
本年转出                                                -6,432                            -2,203
收回原核销贷款                                              630                               292
因折现价值上升转回                                        -914                               -630
汇率变动                                                     29                                  62
年末余额                                                74,105                            53,766


     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。
       4.7 应收利息
                                                                                    单位: 人民币百万元
            本集团                  2015 年 12 月 31 日                        2014 年 12 月 31 日
债券及其他应收款项类投资                           10,828                                   8,357
贷款                                                7,604                                   7,361


                                                   16
2015 年年度报告摘要



存放央行及同业往来                                 1,650                                 1,251
买入返售金融资产                                      -                                        19
应收融资租赁款                                      355                                       340
合计                                           20,437                                   17,328


       4.8     抵债资产
                                                                                   单位: 人民币百万元
                                2015 年 12 月 31 日                        2014 年 12 月 31 日
             本集团
                              金额            减值准备余额              金额           减值准备余额
  房地产                     1,259                    548               929                     634
  法人股                       129                     43                78                         52
  其他                          25                         4              8                         4
  合计                       1,413                    595             1,015                     690


       4.9 主要计息负债与生息资产
       4.9.1 主要存款类别                                                          单位: 人民币百万元
                                       2015 年度                                  2014 年度
             本集团
                            平均余额          平均利率(%)           平均余额         平均利率(%)
  企业活期存款                  828,623                        0.75      740,686                         0.75
  企业定期存款                1,219,177                        3.34    1,077,798                         3.58
  储蓄活期存款                  111,609                        0.32        97,228                        0.39
  储蓄定期存款                  368,658                        2.88      350,730                         3.01
  保证金存款                    361,396                        1.95      382,410                         2.49

       4.9.2 主要贷款类别                                                         单位: 人民币百万元
                                       2015 年度                                  2014 年度
             本集团
                            平均余额          平均利率(%)           平均余额         平均利率(%)
  企业贷款                  1,581,252                          5.95   1,430,650                          6.44
  零售贷款                    522,602                          5.96    426,242                           6.27
  票据贴现                     67,796                          4.35      52,302                          6.29
  一般性短期贷款            1,113,321                          5.87   1,024,139                          6.35
  中长期贷款                  990,533                          6.06    832,753                           6.46
       4.9.3 其他                                                                 单位: 人民币百万元
                                       2015 年度                                  2014 年度
             本集团
                            平均余额          平均利率(%)           平均余额         平均利率(%)
存放中央银行款项              499,712                          1.51    482,332                           1.54
存放同业款项及拆出资金        241,033                          2.60    207,785                           3.65
买入返售金融资产              163,483                          4.20    294,863                           5.82
债券及应收款项类投资        1,509,399                          5.08   1,010,398                          5.52
同业及其他金融机构存放
款项和拆入资金              1,064,661                          3.43    842,452                           4.93
卖出回购金融资产               53,905                          2.78      58,263                          3.52
已发行债券证券                246,515                          4.11      85,661                          5.11



                                               17
2015 年年度报告摘要



    4.10 持有的面值最大的十只金融债券情况
                                                                            单位: 人民币百万元

                                                                年利率                  计提减
                      本集团                           面值                到期日
                                                                 (%)                  值准备

国家开发银行 2015 年第二期金融债券                     3,660      3.64     2016-02-05     -
国家开发银行 2014 年第二十七期金融债券                 3,630      4.08     2019-11-20     -
国家开发银行 2015 年第九期金融债券                     3,390      4.25     2022-04-13     -
国家开发银行 2014 年第九期金融债券                     3,280      5.44     2019-04-08     -
中国民生银行股份有限公司 2012 年第一期金融债券         3,250      4.30     2017-02-14     -
国家开发银行 2015 年第十三期金融债券                   3,140      3.86     2020-06-25     -
中国农业发展银行 2015 年第二期金融债券                 3,100      4.02     2020-01-14     -
中信银行股份有限公司 2013 年金融债券                   2,600      5.20     2018-11-12     -
国家开发银行 2014 年第二期金融债券                     2,390      5.75     2019-01-14     -
中国进出口银行 2015 年第三期金融债券                   2,380      3.85     2020-01-26     -


    五、 涉及财务报告的相关事项
    5.1 与上年度财务报告相比,会计政策、会计估计和核算方法发生变化的,公司应当说
明情况、原因及其影响。
    □适用 √不适用
    5.2 报告期内发生重大会计差错更正需追溯重述的,公司应当说明情况、更正金额、原
因及其影响。
    □适用 √不适用
    5.3 与上年度财务报告相比,对财务报表合并范围发生变化的,公司应当作出具体说明。
    □适用 √不适用
    5.4 年度财务报告被会计师事务所出具非标准审计意见的,董事会、监事会应当对涉及
事项作出说明。
    □适用 √不适用




                                                        董事长: 吉晓辉


                                                      董事会批准报送日期:2016 年 4 月 5 日




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