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浦发银行(600000)公告正文

浦发银行:2016年半年度报告摘要

公告日期 2016-08-11
股票简称:浦发银行 股票代码:600000
2016 年半年度报告摘要




              上海浦东发展银行股份有限公司
                  2016 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
                                          公司股票简况
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                  /
                                               浦发优 1            360003                  /
优先股                上海证券交易所
                                               浦发优 2            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      上年度末       本期比上年度末增减(%)
资产总额                                       5,371,293      5,044,352                         6.48
归属于母公司股东的净资产                         345,442           315,170                      9.60
归属于母公司普通股股东的净资产                   315,522           285,250                     10.61
归属于母公司普通股股东的每股净资产(元/股)      14.595            13.902                      4.98
                                                本报告期       上年同期       本期比上年同期增减(%)
经营活动产生的现金流量净额                      -134,049           210,693                 -163.62
营业收入                                          82,172            70,701                     16.22
归属于母公司股东的净利润                          26,770            23,903                     11.99
归属于母公司股东的扣除非经常性损益的净利润        26,203            23,466                     11.66
加权平均净资产收益率(%)                           8.59              9.37       下降 0.78 个百分点
基本每股收益(元/股)                             1.229            1.165                       5.49
稀释每股收益(元/股)                             1.229            1.165                       5.49
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。报告期每股收益按照发行在外的普通股加权平
均数21,118,524,756股计算得出。
2016 年半年度报告摘要


    (2)报告期末归属于母公司普通股股东的每股净资产,按公司期末总股本 21,618,279,922 股摊薄计
算。比较期的每股净资产、每股收益均按调整后的股数 20,518,818,557 股重新计算。
    (3)根据2016年2月4日的董事会决议,公司对浦发优2发放股息,共计人民币8.25亿元。在计算本半
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2优先股股息的发放影响。
    (4)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 前十名普通股股东持股情况
                                                                                              单位:股
报告期末股东总数(户)                                                   173,951
前十名股东持股情况
                                                    比 例   报告期内增减      有限售条件       质押或
股东名称                       持股总数
                                                    (%)   (+,-)(注)    股份数量         冻结数
上海国际集团有限公司           4,222,553,311        19.53    +1,065,039,394   749,288,002           -
中国移动通信集团广东有限公司   4,103,763,711        18.98      +373,069,428               -         -
富德生命人寿保险股份有限公司
                               2,138,028,672         9.89      +194,366,243               -         -
-传统
富德生命人寿保险股份有限公司
                               1,356,332,558         6.27    +1,356,332,558               -         -
-资本金
上海上国投资产管理有限公司     1,073,516,173         4.97       +97,592,379               -         -
富德生命人寿保险股份有限公司
                                 977,252,806         4.52      -229,940,568               -         -
-万能 H
梧桐树投资平台有限责任公司       681,639,492         3.15       +61,967,227               -         -
中国证券金融股份有限公司         599,257,556         2.77      +174,803,418               -         -
上海国鑫投资发展有限公司         414,812,199         1.92       +37,710,200               -         -
中央汇金资产管理有限责任公司     306,554,930         1.42       +27,868,630               -         -
上述股东关联关系  1、上海国际集团有限公司为上海上国投资产管理有限公司、上海国鑫投资发展有限
                  公司的控股公司。
或一致行动关系的
                  2、富德生命人寿保险股份有限公司-传统、富德生命人寿保险股份有限公司-资本
说明              金、富德生命人寿保险股份有限公司-万能 H 为同一法人。
报告期内增减包括:(1)2016年3月18日,公司通过发行股份购买资产方式向上海国际集团有限公司等发
行的股份数;(2)2016年6月23日,公司实施2015年度利润分配及资本公积转增股本方案。其中,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,以资本公积按普通股每10股转增1股。



    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(户)
                                     360003                 浦发优 1                     32
截至报告期末优先股股东总数
                                     360008                 浦发优 2                     14




                                                2
2016 年半年度报告摘要


    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       7.69
中国平安财产保险股份有限公司-传统                                     11,470,000       7.65
中国平安人寿保险股份有限公司-分红                                     11,470,000       7.65
中国平安人寿保险股份有限公司-万能                                     11,470,000       7.65
永赢基金                                                               11,470,000       7.65
华宝信托有限责任公司-投资 2 号资金信托                                11,470,000       7.65
易方达基金                                                             11,470,000       7.65
交银国信金盛添利 1 号单一资金信托                                       9,180,000       6.12
北京天地方中资产                                                        8,410,000       5.61
中海信托股份有限公司                                                    7,645,500       5.10
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     23.25
中国平安人寿保险股份有限公司-分红                                      20,360,000     13.57
中国平安人寿保险股份有限公司-万能                                      19,500,000     13.00
中国平安人寿保险股份有限公司-自有资金                                  19,500,000     13.00
永赢基金                                                                10,460,000      6.97
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      6.97
交银施罗德资管                                                           6,970,000      4.65
中海信托股份有限公司                                                     6,970,000      4.65
兴全睿众资产                                                             6,970,000      4.65
华商基金                                                                 5,580,000      3.72
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。


    三、管理层讨论与分析
    3.1 整体经营情况
    2016 年上半年,我国经济金融总体保持平稳运行,但形势错综复杂,商业银行转型发
展面临的压力和挑战与日俱增。按照董事会确定的年度工作思路与目标,本集团认真贯彻落
实国家宏观调控政策和监管要求,紧密围绕“保收入、控风险”工作重点,推进金融创新,
服务实体经济,取得了预期效果。
    ——报告期内,本集团实现营业收入 821.72 亿元,较上年同期增加 114.71 亿元,增长
16.22%;实现税前利润 353.22 亿元,较上年同期增加 37.96 亿元,增长 12.04%;税后归属
于母公司股东的净利润 267.70 亿元,较上年同期增加 28.67 亿元,增长 11.99%。报告期平
均资产收益率(ROA)为 0.52%,加权平均净资产收益率(ROE)为 8.59%。报告期内,实现非利
                                               3
2016 年半年度报告摘要


息净收入 270.57 亿元,较去年同期增长 52.34%;本集团继续努力控制各类成本开支,成本
收入比率为 20.36%,较去年同期上升 0.15 个百分点。
     ——报告期末,本集团资产总额为 53,712.93 亿元,比 2015 年底增加 3,269.41 亿元,
增长 6.48%;其中,本外币贷款余额为 24,487.65 亿元,比 2015 年底增加 2,032.47 亿元,
增长 9.05%。负债总额 50,210.18 亿元,其中,本外币存款余额为 29,557.47 亿元,比 2015
年底增加 15.98 亿元,增长 0.05%。
     ——报告期内,本集团信贷业务运行平稳,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,本集团后三类不良贷款余额为 403.36
亿元,比 2015 年底增加 52.82 亿元;不良贷款率为 1.65%,比 2015 年底上升 0.09 个百分
点;不良贷款准备金覆盖率为 208.30%,比 2015 年底下降 3.10 个百分点;贷款拨备率(拨
贷比)3.43%,较 2015 年底提高 0.13 个百分点。
     ——报告期内,公司国际化、集团化经营有序推进。香港分行资产规模 937.33 亿元,
实现净利润 2.48 亿元,同比增长 90.77%;25 家浦发村镇银行资产总额 320.49 亿元,存款
余额 265.74 亿元、贷款余额 199.27 亿元;浦银安盛管理资产总规模 5,262.31 亿元,营业
收入 2.36 亿元,净利润 0.83 亿元;浦银租赁资产总额 458.65 亿元,其中,融资租赁资产
393.23 亿元,实现营业收入 7.08 亿元,净利润 3.10 亿元;浦发硅谷银行的总资产 34.81
亿元,净利润 961 万元;浦银国际资产总额 11.39 亿元,实现业务收入 0.57 亿元,净利润
0.24 亿元;上海信托合并管理资产规模 8,623 亿元,实现营业收入 17.76 亿元,净利润 7.84
亿元。
     ——本集团在国际、国内继续保持了良好声誉。根据英国《银行家》杂志“2016 年世
界银行 1000 强”,按照核心资本排名,集团排名第 29 位,位列上榜中资银行第 7 位,成本
收入比位列全球银行第一;“2016 年全球银行品牌 500 强”,集团排名第 37 位,位列上榜
中资银行第 10 位,品牌价值 63.93 亿美元。根据美国《财富》杂志“2016 年财富世界 500
强排行榜”,按照营业收入排名,集团位列第 227 位,居中资企业第 48 位,位列上榜中资
银行第 9 位。根据美国《福布斯》杂志“2016 年全球企业 2000 强”,集团排名第 57 位,
居中资企业第 12 位,位列上榜中资银行第 7 位。

     3.2 本集团主营业务分析
     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                                  本报告期              上年同期              增减(%)
营业收入                                     82,172             70,701                16.22
业务及管理费                                 16,728             14,292                17.04
营业利润                                     35,239             31,211                12.91
经营活动(支付)/产生的现金流量净额          -134,049            210,693               -163.62
投资活动支付的现金流量净额                  -66,221            -253,289               不适用
筹资活动产生的现金流量净额                  213,988             63,199                238.59
注:(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)业务及管理费增长的原因是:报告期内业务规模增加、网点增加、人员增加。
     (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(支付)/产生的现金流量净额减少的原因是:报告期客户贷款及垫款支付的现金增加。
     (5)投资活动支付的现金流量净额减少的原因是:报告期内收回投资收到的现金增加。
     (6)筹资活动产生的现金流量净额增长的原因是:报告期内发行同业存单增加。
                                              4
2016 年半年度报告摘要




     3.2.2 营业收入情况
     报告期内,本集团实现营业收入 821.72 亿元,比上年同期增长 16.22%。其中,利息净
收入占比为 67.07%,比上年同期下降 7.81 个百分点;手续费及佣金净收入的占比为 27.12%,
比上年同期上升 6.34 个百分点。
                                                                                        单位:人民币百万元
地       区          营业收入        比上年同期增减(%)               营业利润        比上年同期增减(%)
上       海          33,110                        49.45               22,164                    35.70
北       京          3,929                         23.67               2,485                     42.90
四       川          1,937                          0.78                 908                   -31.32
天       津          2,654                         15.34               1,525                     20.17
山       东          2,643                          0.99                 946                     50.64
广       东          4,729                     -10.20                  1,996                   -16.31
江       苏          6,445                         13.65               2,610                     22.88
河       南          3,440                          5.75                 902                     24.93
浙       江          4,111                     -11.21                  -1,692                  不适用
辽       宁          2,134                     -16.44                    294                   -61.32
其它地区             17,040                        -0.68               3,101                   -36.98
合       计          82,172                        16.22               35,239                    12.91
注:上海地区包括总行本部、总行直属经营机构及上海分行。


     3.2.3 业务收入变动情况
                                                                                        单位:人民币百万元
项   目                                     金额            占业务总收入比重(%)      较上年同期增减(%)
贷款收入                                  58,309                        42.82                      -8.96
拆出资金收入                              2,457                          1.81                     204.84
存放中央银行收入                          3,638                          2.67                      -2.83
存放同业收入                              1,146                          0.84                     -16.23
买入返售金融资产收入                        721                          0.53                     -84.26
债券及其他应收款项类投资收入              43,359                        31.85                      15.64
手续费及佣金收入                          23,248                        17.07                      51.90
融资租赁应收款收入                        1,050                          0.77                      13.15
其他收入                                  2,233                          1.64                     -11.25
合   计                                  136,161                       100.00                       4.11


     3.3 本集团财务数据分析
     3.3.1 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                       报告期末 上年年末            增减(%)    报告期内变动的主要原因
贵金属                          15,781      28,724            -45.06    代客贵金属交易规模下降
以公允价值计量且其变动                                                  指定为其他交易性资产及交易性同业
                               158,786      63,746            149.09
计入当期损益的金融资产                                                  存单规模增加
买入返售金融资产                 6,524     110,218            -94.08    买入返售票据规模减少

                                                       5
2016 年半年度报告摘要


                                                                 收购上海信托增加相应信托业务特许
无形资产                      3,726       879           323.89
                                                                 经营权、合同权益以及品牌价值
商誉                          6,981         -           不适用   收购上海信托形成商誉
向中央银行借款               80,531    23,645           240.58   向央行融资规模增加
以公允价值计量且其变动
                             26,710       210        12,619.05   新增贵金属现货卖空头寸
计入当期损益的金融负债
衍生金融负债                 10,105     7,319            38.07   公允价值估值变化所致
卖出回购金融资产款           32,293   119,205           -72.91   卖出回购票据规模减少
                                                                 职工薪酬计提与发放存有时滞,期末
应付职工薪酬                  7,929     5,684            39.50
                                                                 计提尚未发放的职工薪酬增加
                                                                 发行绿色金融债及发行同业存单规模
已发行债务证券              634,209   399,906            58.59
                                                                 增加
                                                                 收购上海信托,资产评估增值导致递
递延所得税负债                  780         7        11,042.86
                                                                 延所得税负债增加
其他负债                     30,805    22,067            39.60   待划转结算和暂收款项增加
                                                                 计入其他综合收益的可供出售金融资
其他综合收益                  3,157     5,713           -44.74
                                                                 产的公允价值下降
一般风险准备                 65,477    45,924            42.58   提取一般风险准备
少数股东权益                  4,833     3,430            40.90   收购上海信托导致少数股东权益增加


                                                                               单位:人民币百万元
项     目                  本报告期   上年同期       增减(%)   报告期内变动的主要原因
                                                                 收入结构优化,手续费及佣金收入增
手续费及佣金净收入          22,288     14,693            51.69
                                                                 加
投资损益                     3,710        689           438.46   债券投资收益增加
公允价值变动损益               798      1,435           -44.39   市场波动导致衍生工具公允价值下降
汇兑损益                    -1,183       -466           不适用   市场汇率波动,汇兑损失增加
                                                                 贷款拨备计提增加,拨贷比进一步提
资产减值损失                26,512     20,292            30.65
                                                                 高,风险抵补能力增强
其他业务成本                   143        413           -65.38   票据买卖价差损失减少
营业外收入                     109        359           -69.64   抵债资产和非流动资产处置收入减少
营业外支出                      26         44           -40.91   捐赠、罚金和滞纳金支出减少
                                                                 计入其他综合收益的可供出售金融资
其他综合收益的税后净额      -2,556        785          -425.61
                                                                 产的公允价值下降
经营活动(支付)/产生的
                           -134,049   210,693          -163.62   客户贷款及垫款支付的现金增加
现金流量净额


       3.3.2 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                               2016 年 6 月 30 日                2015 年 12 月 31 日
信用承诺                                             968,187                        1,052,564
其中:银行承兑汇票                                   568,337                            645,273
        信用证下承兑汇票                             127,051                            154,902
        开出保函                                     115,286                            122,459

                                                 6
2016 年半年度报告摘要


        开出信用证                                           13,348                                 11,641
        信用卡及其他承诺                                    144,165                                118,289
经营租赁承诺                                                  9,822                                  9,120
资本性承诺                                                    1,183                                     155
注: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。

       3.4 资产情况分析
       报告期末,本集团资产总额为 53,712.93 亿元,比 2015 年底增加 3,269.41 亿元,增长
6.48%。
       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
                             2016 年 6 月 30 日                                   2015 年 12 月 31 日
                      贷款         不良贷款       不良贷款率           贷款            不良贷款      不良贷款率
                      余额           余额           (%)              余额              余额          (%)
公司贷款             1,648,386       29,963                 1.82      1,596,134          27,286               1.71
票据贴现                65,719             -                  -          62,080                -                -
个人贷款              734,660        10,373                 1.41       587,304            7,768               1.32
合       计          2,448,765       40,336                 1.65      2,245,518          35,054               1.56

       截至报告期末,公司贷款占比67.32%,较期初下降3.77个百分点;个人贷款占比30.00%,
较期初上升3.85个百分点;票据贴现占比2.68%,较期初下降0.08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
                                                2016 年 6 月 30 日                     2015 年 12 月 31 日
                                                                      不良贷                               不良贷
                                       贷款余额             占比(%)          贷款余额       占比(%)
                                                                     款率(%)                             款率(%)
企业贷款                                 1,648,386            67.32    1.82       1,596,134        71.09      1.71
制造业                                     338,367            13.82    4.28         350,252        15.61      3.99
批发和零售业                               290,389            11.86    3.57         299,024        13.32      2.99
房地产业                                   242,245             9.89    0.27         236,579        10.54      0.35
租赁和商务服务业                           202,919             8.29    0.11         168,908         7.52      0.11
建筑业                                     124,023             5.06    0.77         125,383         5.58      0.52
水利、环境和公共设施管理业                 101,690             4.15    0.16          92,399         4.11      0.18
交通运输、仓储和邮政业                     101,271             4.14    0.52          99,416         4.43      0.44
采矿业                                         65,584          2.68    2.28          60,021         2.67      2.12
电力、热力、燃气及水生产和供应业               49,191          2.01    0.31          46,785         2.08      0.14
公共管理、社会保障和社会组织                   21,486          0.88       -          15,073         0.67         -
农、林、牧、渔业                               20,185          0.82    1.09          19,924         0.89      0.83
科学研究和技术服务业                           15,028          0.61    0.43           7,616         0.34      0.54
信息传输、软件和信息技术服务业                 14,150          0.58    0.96          12,452         0.55      1.59
卫生和社会工作                                 12,839          0.52       -          11,416         0.51         -
住宿和餐饮业                                   11,167          0.46    1.51          11,858         0.53      1.46
教育                                           10,349          0.42    0.16          11,204         0.50      0.12
居民服务、修理和其他服务业                     9,782           0.40    0.72          11,787         0.52      0.46
                                                        7
2016 年半年度报告摘要


文化、体育和娱乐业                             9,077           0.37         1.11             7,717            0.34      0.81
金融业                                         5,024           0.21           -              4,386            0.20            -
其他                                           3,620           0.15           -              3,934            0.18      0.86
票据贴现                                      65,719           2.68           -            62,080             2.76            -
银行承兑汇票贴现                              38,013           1.55           -            48,043             2.14            -
转贴现                                        23,100           0.94           -              8,785            0.39            -
商业承兑汇票贴现                               4,606           0.19           -              5,252            0.23            -
个人贷款                                    734,660           30.00         1.41          587,304            26.15      1.32
总      计                                 2,448,765         100.00         1.65     2,245,518           100.00         1.56


       3.4.3 贷款迁徙率情况
                                      本报告期                        2015 年度                         2014 年度
项      目(%)
                                    期末            平均             期末           平均              期末             平均
正常类贷款迁徙率                    2.84            2.74             5.19           4.27              3.35             2.65
关注类贷款迁徙率                   26.85          26.39          49.40             47.85             46.29            40.44
次级类贷款迁徙率                   48.05          42.99          31.10             51.48             71.86            62.64
可疑类贷款迁徙率                   17.01          11.33          50.58             31.73             12.89            10.94


       3.4.4 买入返售金融资产情况
                                                                                                     单位:人民币百万元
                                             2016 年 6 月 30 日                                  2015 年 12 月 31 日
品      种
                                           余额               占比(%)                   余额                 占比(%)
债券                                        2,065               31.65                      4,980                     4.52
票据                                        1,464               22.44                 105,238                    95.48
同业存单                                    2,995               45.91                            -                     -
合      计                                  6,524              100.00                 110,218                   100.00


       3.5 负债情况分析
       报告期末,本集团负债总额为 50,210.18 亿元,比 2015 年底增加 2,952.66 亿元,增长
6.25%。
       3.5.1 客户存款构成
                                                                                                     单位:人民币百万元
                                   2016 年 6 月 30 日                                     2015 年 12 月 31 日
项      目
                            余额                     占比(%)                     余额                       占比(%)
活期存款                    1,224,525                       41.43                  1,086,248                         36.76
其中:公司存款              1,062,642                       35.95                   956,336                          32.37
       个人存款               161,883                        5.48                   129,912                           4.39
定期存款                    1,406,293                       47.58                  1,516,936                         51.35
其中:公司存款              1,060,913                       35.89                  1,144,900                         38.76
        个人存款              345,380                       11.69                   372,036                          12.59
保证金存款                    273,117                        9.24                   319,832                          10.83
国库存款                       46,247                        1.56                     27,451                          0.93
其他存款                           5,565                     0.19                     3,682                           0.13
合      计                  2,955,747                       100.00                 2,954,149                     100.00
                                                        8
2016 年半年度报告摘要




       3.5.2 同业及其他金融机构存放款项
                                                                             单位:人民币百万元
                               2016 年 6 月 30 日                    2015 年 12 月 31 日
交易对方
                            余额              占比(%)            余额             占比(%)
银行同业                    388,306                     35.61     339,032                  32.51
非银行同业                  702,287                     64.39     703,916                  67.49
合     计                  1,090,593                100.00       1,042,948              100.00


       3.5.3 卖出回购金融资产情况
                                                                             单位:人民币百万元
                               2016 年 6 月 30 日                    2015 年 12 月 31 日
品     种
                            余额              占比(%)            余额             占比(%)
债券                         23,150                     71.69       43,756                 36.71
票据                          8,790                     27.22       74,995                 62.91
应收融资租赁款                     353                   1.09          454                  0.38
合     计                    32,293                 100.00         119,205              100.00


       3.6 利润表分析
       报告期内,本集团各项业务持续发展,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267.70亿元,同比增长
11.99%。
                                                                             单位:人民币百万元
项     目                                           本报告期                  上年同期
营业收入                                                82,172                 70,701
其中:利息净收入                                        55,115                 52,940
         非利息净收入                                   27,057                 17,761
营业税金及附加                                           3,550                  4,493
业务及管理费                                            16,728                 14,292
资产减值损失                                            26,512                 20,292
其他业务成本                                               143                    413
营业外收支净额                                              83                    315
利润总额                                                35,322                 31,526
所得税费用                                               8,282                  7,400
净利润                                                  27,040                 24,126
少数股东损益                                               270                    223
归属于母公司股东的净利润                                26,770                 23,903




                                                    9
2016 年半年度报告摘要


       3.6.1 利息收入
       报告期内,本集团实现利息收入1,081.44亿元,同比减少42.70亿元,下降3.80%。
                                                                       单位:人民币百万元
                                                本报告期                      上年同期
项     目
                                         金额         占比(%)     金额         占比(%)
企业贷款                                  40,808            37.74    47,780            42.50
个人贷款                                  16,019            14.81    14,861            13.22
贴现及转贴现                              1,482              1.37    1,405              1.25
存放同业                                  1,146              1.06    1,368              1.22
存放中央银行                              3,638              3.36    3,744              3.33
拆出资金                                  2,457              2.27      806              0.72
买入返售金融资产                               721           0.67    4,580              4.07
债券投资及同业存单                        10,073             9.31    9,055              8.06
除债券投资及同业存单外的应收款项类投资    30,523            28.23    27,669            24.61
融资租赁应收款                            1,050              0.97      928              0.83
其他                                           227           0.21      218              0.19
合     计                                108,144           100.00   112,414           100.00


       3.6.2 利息支出
       报告期内,本集团利息支出为530.29亿元,同比减少64.45亿元,下降10.84%。
                                                                       单位:人民币百万元
                                                本报告期                      上年同期
项     目
                                         金额         占比(%)     金额         占比(%)
吸收存款                                 25,198            47.52    34,163            57.44
已发行债务证券                            9,217            17.38     3,985             6.70
同业往来                                 16,219            30.58    19,393            32.61
向中央银行借款                                 935          1.76       762             1.28
卖出回购金融资产                               846          1.60     1,009             1.70
其他                                           614          1.16       162             0.27
合     计                                53,029            100.00   59,474            100.00


       3.6.3 非利息净收入
       报告期内,本集团实现非利息净收入270.57亿元,同比增加92.96亿元,增长52.34%。
                                                                       单位:人民币百万元
                                                本报告期                   上年同期
项     目
                                         金额         占比(%)     金额         占比(%)
手续费及佣金净收入                       22,288            82.37    14,693             82.72
其中:手续费及佣金收入                   23,248            85.92    15,305             86.17
        手续费及佣金支出                   -960            -3.55      -612             -3.45
投资损益                                  3,710            13.71       689              3.88
公允价值变动损益                               798          2.95     1,435              8.08
汇兑损益                                 -1,183            -4.37      -466             -2.62
其他业务收入                              1,444             5.34     1,410              7.94
合     计                                27,057            100.00   17,761            100.00

                                          10
2016 年半年度报告摘要




      3.6.4 资产减值损失
                                                                                           单位:人民币百万元
                                                         本报告期                              上年同期
项    目
                                                  金额           占比(%)              金额         占比(%)
发放贷款和垫款                                 24,458                92.25          19,775            97.46
应收款项类投资                                    1,553               5.86               216              1.06
应收利息                                           259                0.98               167              0.82
其他应收款                                         134                0.50               128              0.63
应收融资租赁款                                     101                0.38                 -                 -
抵债资产                                                7             0.03                 6              0.03
合    计                                       26,512            100.00             20,292           100.00


      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              2016 年 6 月 30 日             2015 年 12 月 31 日           2014 年 12 月 31 日
资产总额                          5,371,293                          5,044,352                    4,195,924
负债总额                          5,021,018                          4,725,752                    3,932,639
存款总额                          2,955,747                          2,954,149                    2,793,224
其中:企业活期存款                1,062,642                           956,336                       801,622
       企业定期存款               1,060,913                          1,144,900                    1,086,841
       储蓄活期存款                 161,883                           129,912                       111,674
       储蓄定期存款                 345,380                           372,036                       363,714
贷款总额                          2,448,765                          2,245,518                    2,028,380
其中:正常贷款                    2,408,429                          2,210,464                    2,006,795
       不良贷款                       40,336                            35,054                       21,585
拆入资金                            105,991                             99,589                       63,098
贷款减值准备                          84,018                            74,105                       53,766
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、委托资金等;
     (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、保理业务等。


      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
      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
                                        2016 年 6 月 30 日                         2015 年 12 月 31 日
             项   目
                                     本行                   本集团               本行               本集团
 资本总额                              436,890                443,100             408,996                 414,306
     1.核心一级资本                    314,265                318,980             284,578                 288,760
     2.其他一级资本                     29,920                 30,091              29,920                  30,018
     3.二级资本                         92,705                 94,029              94,498                  95,528
 资本扣除项                             21,075                 10,354               4,053                    565
                                                   11
2016 年半年度报告摘要


     1.核心一级资本扣减项              21,075               10,354               4,053                  565
     2.其他一级资本扣减项                     -                  -                    -                   -
     3.二级资本扣减项                         -                  -                    -                   -
 资本净额                             415,815            432,746              404,943            413,741
 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                   3,203,141          3,272,335             3,035,671         3,089,433
 市场风险加权资产                      34,662               36,515              34,968             35,257
 操作风险加权资产                     239,376            249,797              239,376            243,144
 风险加权资产合计                   3,477,179          3,558,647             3,310,015         3,367,834
 核心一级资本充足率(%)                     8.43               8.67                8.48                  8.56
 一级资本充足率(%)                         9.29               9.52                9.38                  9.45
 资本充足率(%)                          11.96               12.16                12.23                 12.29
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)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231.6亿元。


      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5.17%,较2015年末下降0.07个百分点;集团杠杆率为5.35%,
较2015年末上升0.04个百分点。
                                                                                      单位:人民币百万元
                                       2016 年 6 月 30 日                        2015 年 12 月 31 日
项    目
                                    本行               本集团                 本行              本集团
一级资本净额                          323,110            338,717              310,445            318,213
调整后的表内外资产余额              6,248,074          6,334,286             5,920,689         5,988,358
杠杆率(%)                                  5.17               5.35                5.24                  5.31
      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                                                      2016 年 6 月 30 日
合格优质流动性资产                                            438,260.71
现金净流出量                                                  488,698.10
流动性覆盖率(%)                                                      89.68




                                                  12
2016 年半年度报告摘要


     4.3 公司近三年其他监管财务指标
                                                           报告期末         2015 年             2014 年
项   目                                       标准值
                                                         期末    平均    年末     平均    年末       平均
                 资本充足率(%)              ≥9.7      11.96   12.03   12.23    11.69   11.25     10.94
《商业银行资本
                 一级资本充足率(%)     ≥7.7            9.29    9.30    9.38     9.29    9.05      8.64
管理办法(试行)》
                 核心一级资本充足率(%) ≥6.7            8.43    8.43    8.48     8.41    8.52      8.54
                         人民币                ≥25      40.80   35.47   34.06    34.95   30.68     34.87
资产流动性比率(%)
                         本外币合计            ≥25      39.71   34.87   33.50    35.91   32.93     36.03
                         拆入资金比              ≤4      2.42    2.23    2.42     1.84    1.56      1.66
拆借资金比例(%)
                         拆出资金比              ≤8      4.46    4.51    4.59     3.05    1.13      1.44
单一最大客户贷款比例(%)                      ≤10       1.38    1.40    1.43     1.58    1.54      1.77
最大十家客户贷款比例(%)                      ≤50      11.37   11.10   10.87    11.31   11.69     12.22
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2016年底资本充足率的要求,资本充足率为9.7%,一级资本充足率为7.7%,核心一级资本充足率为
6.7%。


     4.4 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 1,718 个分支机构,具体情况详见下表:
                                                                                     资产规模      所属
序号 机构名称               地址                                         职工数
                                                                                   (百万元)      机构数
 1   总    行               上海市中山东一路 12 号                        3,121    1,459,435       1,717
 2   上海分行               上海市浦东南路 588 号                         4,065       628,597        196
 3   杭州分行               杭州市延安路 129 号                           2,263       182,031         70
 4   宁波分行               宁波市江厦街 21 号                            1,477       105,764         33
 5   南京分行               南京市中山东路 90 号                          3,023       306,904         99
 6   北京分行               北京市西城区太平桥大街 18 号                  1,671       479,100         77
 7   温州分行               温州市车站大道高联大厦 1-3 层                   709        45,056         25
 8   苏州分行               苏州市工业园区钟园路 718 号                     832       103,194         31
 9   重庆分行               重庆市北部新区高新园星光大道 78 号              731        75,032         33
10   广州分行               广州市天河区珠江西路 12 号                    1,558       185,755         62
11   深圳分行               深圳市福田区福华三路国际商会中心              1,322       256,199         63
12   昆明分行               昆明市东风西路 156 号                           678        54,000         50
13   芜湖分行               芜湖市瑞祥路 88 号皖江财富广场 A3 楼            336        38,983         11
14   天津分行               天津市河西区宾水道增 9 号 D 座                1,285       257,269         39
15   郑州分行               郑州市金水路 299 号                           1,852       191,760         79
16   大连分行               大连市沙河口区会展路 45 号                    1,092       111,699         68
17   济南分行               济南市黑虎泉西路 139 号                       1,290        95,197         57
18   成都分行               成都市成华区二环路东二段 22 号                  908       103,636         41
                            西安市高新区锦业路 6 号绿地中央广场智
19   西安分行                                                               894        94,218         58
                            海大厦 10105 室

                                                    13
2016 年半年度报告摘要


20     沈阳分行            沈阳市沈河区奉天街 326 号                      795        49,224            37
21     武汉分行            武汉市江汉区新华路 218 号                      834        71,769            35
22     青岛分行            青岛市崂山区海尔路 188 号                      706        68,304            29
23     太原分行            太原市青年路 5 号                              848        57,495            59
24     长沙分行            长沙市芙蓉中路一段 478 号                      945        86,393            54
25     哈尔滨分行          哈尔滨市南岗区红旗大街 226 号                  630        92,303            28
26     南昌分行            南昌市红谷中大道 1402 号                       650        49,729            37
27     南宁分行            南宁市金浦路 22 号                             560        89,191            25
28     乌鲁木齐分行        乌鲁木齐市新华南路 379 号                      501        40,186            24
29     长春分行            长春市人民大街 3518 号                         421        65,340            15
                           呼和浩特市赛罕区敕勒川大街 18 号东方君
30     呼和浩特分行                                                       516        30,244            24
                           座B座
31     合肥分行            合肥市滨湖新区杭州路 2608 号                   564        60,625            29
32     兰州分行            兰州市广场南路 101 号                          442        55,341            33
33     石家庄分行          石家庄市自强路 35 号                           695        76,643            32
34     福州分行            福州市湖东路 222 号                            727        80,590            71
35     贵阳分行            贵阳市延安中路 20 号附 1 号                    384        40,645            19
36     厦门分行            厦门市厦禾路 666 号之一                        270        29,266            15
37     香港分行            香港中环夏悫道 12 号美国银行中心 15 楼         152        93,733            -
38     西宁分行            西宁市城西区微波巷 1 号 1-7 亚楠大厦           172        19,531            10
39     海口分行            海口市玉沙路 26 号                             136        16,060            7
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            751           -
41     银川分行            银川市兴庆区新华东街 51 号                      97        13,390            2
42     拉萨分行(筹)      拉萨市北京中路 48 号                            43              -           -
43     总行直属经营机构                                                 7,765       172,992            41
       汇总调整                                                                    -841,505
       总    计                                                         48,003    5,292,069       1,718
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 报告期贷款资产质量情况
       4.5.1 五级分类情况
                                                                                    单位:人民币百万元
五级分类                            报告期末              占比(%)          与上年末相比增减(%)
正常类                             2,328,204                  95.08                             8.50
关注类                                80,225                   3.27                            24.06
次级类                                20,223                   0.82                             2.02
可疑类                                13,620                   0.56                            42.74
损失类                                 6,493                   0.27                            14.13
合     计                          2,448,765                 100.00                             9.05


分类                                 报告期末               占比(%)            2015 年 12 月 31 日
重组贷款                                  64                   0.01                              133
逾期贷款                              72,296                   2.95                         59,185


                                                   14
2016 年半年度报告摘要


       4.5.2 报告期对不良贷款情况采取的相应措施
       一是结合当前宏观政策导向,以行业投向为基础,进一步细化客户的分类经营标准,推
动信贷资源在优质客户、优势区域的精准投放,实现贷款规模健康稳定增长。二是针对重点
业务、重点行业设置组合管理指标,基于区域特点实行差异化管理,实现资产集中度的有效
管控。三是持续加大存量授信业务结构调整力度。在国家“去产能、去库存”的宏观经济背
景下,加大对存量风险行业客户现金退出,努力实现存量业务提质增效。四是持续提升预警
能力,加快系统建设,提升预警效率,及时制定风险预案,实现早发现、早预警、早处置。
五是持续开展风险检查,扩大检查深度、广度,开展回头查,夯实检查效果,防范系统性风
险。六是加强保全体制机制建设,强化跨板块业务风险的综合化解和联动处置,努力打造专
业化清收团队,继续通过多种途径和措施保全和处置不良资产,不良资产风险得到有效控制
和化解。


       4.6 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                                                       74,105
贷款减值准备金本期计提                                                         24,458
贷款减值准备金本期核销                                                         -6,554
贷款减值准备金本期转出                                                         -8,441
收回原核销贷款                                                                    697
因折现价值上升转回                                                               -257
汇率变动                                                                           10
贷款减值准备金的期末余额                                                       84,018
       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                                       2016 年 6 月 30 日           2015 年 12 月 31 日
债券及其他应收款项类投资                                     10,549                      10,828
贷款                                                          7,266                       7,604
存放央行及同业往来                                            3,334                       1,650
买入返售金融资产                                                   1                            -
应收融资租赁款                                                    298                       355
合     计                                                    21,448                      20,437




                                                15
2016 年半年度报告摘要


       4.8 抵债资产
                                                                               单位:人民币百万元
                                  2016 年 6 月 30 日                    2015 年 12 月 31 日
本集团
                               金额           计提减值准备金额      金额          计提减值准备金额
房地产                         1,334                   590          1,259                     548
法人股                            14                    12            129                      43
其他                                  1                  -             25                       4
合     计                      1,349                   602          1,413                     595


       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
                                          本报告期                           2015 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                 956,935                   0.65       828,623                     0.75
企业定期存款                1,179,404                  2.74      1,219,177                    3.34
储蓄活期存款                 139,005                   0.28       111,609                     0.32
储蓄定期存款                 349,617                   2.27       368,658                     2.88
保证金存款                   297,789                   1.30       361,396                     1.95


       4.9.2 主要贷款类别                                                     单位:人民币百万元
                                          本报告期                           2015 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                    1,631,194                  5.03      1,581,252                    5.95
零售贷款                     644,183                   5.00       522,602                     5.96
票据贴现                       85,580                  3.48         67,796                    4.35
一般性短期贷款              1,129,946                  5.09      1,113,321                    5.87
中长期贷款                  1,145,431                  4.96       990,533                     6.06


       4.9.3 其他                                                             单位:人民币百万元
                                          本报告期                           2015 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             492,628                   1.49       499,712                     1.51
存放同业款项及拆出资金       274,965                   2.63       241,033                     2.60
买入返售金融资产               47,478                  3.05       163,483                     4.20
债券及其他应收款项类投资    1,970,389                  4.14      1,509,399                    5.08
同业及其他金融机构存放款
                            1,226,107                  2.66      1,064,661                    3.43
项和拆入资金
卖出回购金融资产               73,610                  2.28         53,905                    2.78
已发行债务证券               549,116                   3.38       246,515                     4.11




                                                 16
2016 年半年度报告摘要


     4.10 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
本集团                                                        面值   年利率(%)        到期日       计提
国家开发银行 2016 年第六期金融债券                        6,920         2.96          2021-02-18     减值
中国农业发展银行 2016 年第三期金融债券                    5,990         3.01          2021-01-06     准备
中国农业发展银行 2016 年第十六期金融债券                  4,120         3.26          2021-04-22         -
广发银行股份有限公司 2016 年第二期金融债券                4,000         3.52          2021-05-25         -
中国进出口银行 2016 年第二期金融债券                      3,910         3.07          2021-02-22         -
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 2014 年第九期金融债券                        3,440         5.44          2019-04-08         -
中国农业发展银行 2016 年第十一期金融债券                  3,400         3.10          2021-03-11         -
2012 年第一期中国民生银行股份有限公司金融债券             3,250         4.30          2017-02-14         -
中国农业发展银行 2015 年第二期金融债券                    3,200         4.02          2020-01-14         -



     持有的衍生金融工具情况
                                                                                     单位:人民币百万元
                                                                                 公允价值
本集团                                        合同/名义金额
                                                                          资产                   负债
非套期衍生产品:
  货币互换合同                                         758,582             7,907                 5,791
  外汇远期合同                                          48,048                 354                 231
  利率互换合同                                         637,704                 345                 966
  期权合约                                              47,718                 434                 443
  贵金属衍生金融工具                                    73,638             2,567                 2,511
  商品合约                                               8,116                 111                  -
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                                            755                -                  7
  利率互换合同                                          10,632                  11                 156
合   计                                                        /          11,729             10,105


     4.11 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
本集团                                   2016 年 6 月 30 日                2015 年 12 月 31 日
信用承诺                                          968,187                             1,052,564
其中:银行承兑汇票                                568,337                               645,273
      信用证下承兑汇票                            127,051                               154,902
      开出保函                                    115,286                               122,459
      开出信用证                                     13,348                              11,641
      信用卡及其他承诺                            144,165                               118,289
经营租赁承诺                                         9,822                                9,120
资本性承诺                                           1,183                                  155
注:上述表外项目对本集团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,有可能转化为本集团的义务。

                                                17
2016 年半年度报告摘要


    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。
    2016 年 3 月 18 日,公司通过发行股份购买资产方式向上海国际集团有限公司等 11 名
交易对方共发行人民币普通股 999,510,332 股,本次交易标的资产为上海国际信托有限公司
97.33%的股权。交易完成后,上海国际信托有限公司作为公司的控股子公司纳入本期财务报
表合并范围。
    5.4 半年度财务报告已经审计,并被出具非标准审计报告的,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 8 月 9 日




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