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浦发银行(600000)公告正文

浦发银行:2016年年度报告摘要

公告日期 2017-04-01
股票简称:浦发银行 股票代码:600000
2016 年年度报告摘要




              上海浦东发展银行股份有限公司
                  2016 年年度报告摘要

     1 重要提示

     1.1 本年度报告摘要来自年度报告全文,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媒体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 2017 年 3 月 30 日在上海召开第六届董事会第十七次会议审议通过本报告,
朱敏董事因公务无法亲自出席会议,书面委托沙跃家董事代行表决权;田溯宁独立董事因公
务无法亲自出席会议,书面委托袁志刚独立董事代行表决权;其余董事亲自出席会议并行使
表决权。

     1.4 公司 2016 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 经董事会审议的报告期利润分配预案:以 2016 年末普通股总股本 21,618,279,922
股为基数,向全体股东每 10 股派送现金股利 2 元人民币(含税),合计分配现金股利人民
币 43.24 亿元;以资本公积按每 10 股转增 3 股,合计转增人民币 64.85 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            -
                                            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
联系地址           上海市中山东一路 12 号浦发银行董监事会办公室
电       话        021-63611226                   021-61618888 转董监事会办公室
传       真        021-63230807                   021-63230807
电子信箱           mushi@spdb.com.cn              yanggp@spdb.com.cn、wur2@spdb.com.cn




                                              1
2016 年年度报告摘要


     2 主要财务数据及股东变化

     2.1 主要财务数据

     2.1.1 主要会计数据及财务指标
                                                                                             单位:人民币百万元
                                                    2016 年末       2015 年末       本年末比上年       2014 年末
                                                     审计数           审计数        末增减(%)          审计数
总资产                                             5,857,263        5,044,352              16.12       4,195,924
归属于母公司股东的净资产                             367,947          315,170              16.75         260,169
归属于母公司普通股股东的净资产                       338,027          285,250              18.50         245,209
期末普通股总股本(百万股)                             21,618          18,653              15.90           18,653
归属于母公司普通股股东的每股净资产(元)               15.636          13.902              12.47           11.950
                                                     2016 年         2015 年         本期比上年          2014 年
                                                     审计数           审计数       同期增减(%)         审计数
经营活动产生的现金流量净额                          -191,993          358,820            -153.51         191,158
营业收入                                             160,792          146,550               9.72         123,181
利润总额                                               69,975          66,877               4.63           62,030
归属于母公司股东的净利润                               53,099          50,604               4.93           47,026
归属于母公司股东的扣除非经常性损益的
                                                       51,687          49,561               4.29           46,650
净利润
                                                                                     下降 2.47 个
加权平均净资产收益率(%)                               16.35            18.82                              21.02
                                                                                           百分点
基本每股收益(元)                                      2.404            2.422               -0.74          2.292
稀释每股收益(元)                                      2.404            2.422               -0.74          2.292
注:(1)2016 年 3 月 18 日,公司发行人民币普通股 999,510,332 股,收购上海信托 97.33%的股权。交易
完成后,公司普通股总股本扩大为 19,652,981,747 股。

     (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,合计转
增 1,965,298,175 股。资本公积转增股本实施后,公司普通股总股本扩大为 21,618,279,922 股。

     (3)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 股计算;
比较期末归属于母公司普通股股东的每股净资产,按调整后的股数 20,518,818,557 股重新计算。

     (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。

     (5)2016 年 3 月、2016 年 12 月,公司分别对浦发优 2、浦发优 1 两期优先股发放股息人民币 8.25
亿元、9.00 亿元。在计算本报告披露的基本每股收益及加权平均净资产收益率时,公司考虑了两期优先股
股息发放的影响。

     (6)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。报告期内每股收益按报告期发行在外的普通股
加 权 平 均 数 21,368,402,339 股 计 算 得 出 , 每 股 经 营 活 动 产 生 的 现 金 流 量 净 额 按 公 司 期 末 总 股 本
21,618,279,922 股 计 算 ;比较 期 内 每 股 收 益 、每 股 经 营活 动 产 生 的 现 金 流量 净 额 按调 整 后 的 股 数
20,518,818,557 股重新计算。




                                                         2
2016 年年度报告摘要


      2.1.2 补充财务比例
                                        2016 年       2015 年        本期比上年同期增减       2014 年
盈利能力指标(%)
平均总资产收益率                           0.98           1.10      下降 0.12 个百分点            1.20
全面摊薄净资产收益率                      15.20          17.42      下降 2.22 个百分点          19.18
扣除非经常性损益后全面摊薄净资产
                                          14.78          17.06      下降 2.28 个百分点          19.02
收益率
净利差                                     1.89           2.26      下降 0.37 个百分点            2.27
净利息收益率                               2.03           2.45      下降 0.42 个百分点            2.50
成本收入比                                23.16          21.86      上升 1.30 个百分点          23.12
现金分红比例                               8.14          20.00      下降 11.86 个百分点         30.03
占营业收入百分比(%)
利息净收入比营业收入                      67.24          77.11      下降 9.87 个百分点          79.71
非利息净收入比营业收入                    32.76          22.89      上升 9.87 个百分点          20.29
手续费及佣金净收入比营业收入              25.31          18.97      上升 6.34 个百分点          17.33
资产质量指标(%)
不良贷款率                                 1.89           1.56      上升 0.33 个百分点            1.06
贷款减值准备对不良贷款比率               169.13         211.40      下降 42.27 个百分点        249.09
贷款减值准备对贷款总额比率                 3.19           3.30      下降 0.11 个百分点            2.65
注:(1)平均总资产收益率=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/期末归属于母公司普通股股东的净资产。
     (4)净利差=总生息资产平均收益率-总计息负债平均成本率。
     (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/营业收入。




      2.1.3 本集团 2016 年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
项       目
                                    (1-3 月份)      (4-6 月份)      (7-9 月份)      (10-12 月份)
营业收入                                 42,191            39,981            38,756            39,864
利润总额                                 18,451            16,871            18,367            16,286
归属于母公司普通股股东的净利润           13,922            12,848            13,912            12,417
归属于母公司普通股股东的扣除非
                                         13,682            12,521            13,508            11,976
经常性损益后的净利润
经营活动产生的现金流量净额             -101,580           -32,469           -15,746           -42,198




                                                  3
2016 年年度报告摘要


     2.2 前十名普通股股东持股情况

截至报告期末普通股股东总数(户)                                                                   160,501
年度报告披露日前上一月末的普通股股东总数(户)                                                     150,887
前十名股东持股情况
                                                                       比 例     持有有限售         质押或
股东名称                           报告期内增减        期末持股数量
                                                                       (%)    条件股份数量        冻结数
上海国际集团有限公司           +1,065,039,394          4,222,553,311   19.53     749,288,002                -
中国移动通信集团广东有限公司        +373,069,428       4,103,763,711   18.98                  -             -
富德生命人寿保险股份有限公司
                                    +194,366,243       2,138,028,672   9.89                   -             -
-传统
富德生命人寿保险股份有限公司
                               +1,356,332,558          1,356,332,558   6.27                   -             -
-资本金
上海上国投资产管理有限公司           +97,592,379       1,073,516,173   4.97                   -             -
富德生命人寿保险股份有限公司
                                    -229,940,568        977,252,806    4.52                   -             -
-万能 H
梧桐树投资平台有限责任公司           +61,967,227        681,639,492    3.15                   -             -
中国证券金融股份有限公司            +174,165,418        598,619,556    2.77                   -             -
上海国鑫投资发展有限公司             +37,710,200        414,812,199    1.92                   -             -
中央汇金资产管理有限责任公司         +27,868,630        306,554,930    1.42                   -             -
普通股股份变动情况说明:

(1)2016年3月18日,公司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,
收购上海信托97.33%的股权。交易完成后,公司普通股总股本扩大为19,652,981,747股。

(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,合计转增1,965,298,175
股。资本公积转增股本实施后,公司普通股总股本扩大为21,618,279,922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




     2.3.2 前十名无限售条件优先股股东持股情况表

    (1)浦发优 1
                                                                                                  单位:股
股东名称                                                                  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

                                                   4
2016 年年度报告摘要


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


    (2)浦发优 2
                                                                                单位:股
股东名称                                                     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




    3 经营情况讨论与分析

    3.1 本集团整体经营情况

    2016 年是公司“十三五”规划(2016-2020 年)和三年行动计划(2016-2018 年)实施
的开篇之年,也是转型发展的关键之年。面对错综复杂的市场环境,公司以新五年发展规划
为统领,围绕“保收入、控风险”的经营主线,克服多重压力,加大创新转型,强化战略引
领、优化经营策略,取得了较好成绩,完成了董事会的目标,实现了“十三五”良好开局。

    经营效益持续提升

    报告期内,本集团实现营业收入 1,607.92 亿元,同比增加 142.42 亿元,增长 9.72%;
利润总额 699.75 亿元,同比增加 30.98 亿元,增长 4.63%;税后归属于母公司股东的净利
润 530.99 亿元,同比增加 24.95 亿元,增长 4.93%。2016 年,本集团平均资产收益率(ROA)
0.98%,同比下降 0.12 个百分点;加权平均净资产收益率(ROE)16.35%,同比下降 2.47
个百分点;成本收入比率 23.16%,继续保持全球领先水平。

    资产负债平稳增长

    截至报告期末,本集团资产总额 58,572.63 亿元,较上年末增加 8,129.11 亿元,增长
16.12%;其中,本外币贷款余额 27,628.06 亿元,较上年末增加 5,172.88 亿元,增长 23.04%。
本集团负债总额 54,843.29 亿元,其中,本外币存款余额 30,020.15 亿元,较上年末增加
478.66 亿元,增长 1.62%。
                                             5
2016 年年度报告摘要


     资产质量风险可控

     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 521.78 亿元,较上
年末增加 171.24 亿元;不良贷款率 1.89%,较上年末上升 0.33 个百分点;不良贷款准备金
覆盖率 169.13%,较上年末下降 42.27 个百分点;贷款拨备率(拨贷比)3.19%,较上年末
下降 0.11 个百分点。

     集团化、国际化经营成效显著

     报告期内,上海信托合并管理资产规模 10,839.58 亿元,实现营业收入 38.89 亿元,净
利润 17.82 亿元;浦银租赁融资租赁资产 423.27 亿元,实现营业收入 16.28 亿元,净利润
6.95 亿元;浦银安盛管理资产规模 6,525 亿元,实现营业收入 5.28 亿元,净利润 1.71 亿
元;浦发硅谷银行资产总额 44.38 亿元,实现营业收入 1.38 亿元,净利润 0.15 亿元;25
家浦发村镇银行资产总额 355.82 亿元,实现营业收入 10.60 亿元,净利润 3.08 亿元;浦银
国际资产总额 37.25 亿元,实现营业收入 2.04 亿元,净利润 1.02 亿元;香港分行资产总额
1,177.28 亿元,实现营业收入 9.39 亿元,净利润 5.54 亿元;公司稳步推进海外机构筹建,
新加坡分行即将正式对外开业,伦敦分行筹备工作全面启动。



     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                                 2016 年度          2015 年度           变动比例(%)
营业收入                                     160,792              146,550                9.72
业务及管理费                                     37,238            32,034               16.25
营业利润                                         69,660            66,067                5.44
经营活动(支付)/产生的现金流量净额         -191,993              358,820             -153.51
投资活动支付的现金流量净额                   -64,015              -531,220             不适用
筹资活动产生的现金流量净额                   234,342              244,782               -4.27
变动的主要原因:

(1)营业收入增长的原因是:报告期内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:报告期内营业收入增长、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:报告期内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增加的原因是: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减少的原因是:报告期内发行同业存单净增加额减少。




                                             6
2016 年年度报告摘要


       3.2.2 营业收入及营业利润情况

       报告期内,本集团实现营业收入 1,607.92 亿元,同比增加 142.42 亿元,增长 9.72%;
营业利润 696.60 亿元,同比增加 35.93 亿元,增长 5.44%。
                                                                                单位:人民币百万元
地      区             营业收入         比上年增减(%)          营业利润          比上年增减(%)
总行                        47,674                  39.38             26,011               43.80
长三角地区                  32,348                  -1.16             14,281               48.88
珠三角及海西地区            11,337                  -0.89              3,251              -24.76
环渤海地区                  19,416                   1.57              9,485               -5.27
中部地区                    18,425                   1.24              6,049              -31.07
西部地区                    17,524                  -9.77              4,117              -58.63
东北地区                     7,391                  -11.64             3,208              -18.31
境外及附属机构               6,677                  117.00             3,258              133.05
合      计                 160,792                   9.72             69,660                5.44
注:作为本报告的用途,本集团地区分部的定义为:
(1)总行:总行本部及信用卡中心;
(2)长三角地区:上海、江苏、浙江地区分行;
(3)珠三角及海西地区:广东、福建地区分行;
(4)环渤海地区:北京、天津、河北、山东地区分行;
(5)中部地区:山西、河南、湖北、湖南、安徽、江西、海南地区分行;
(6)西部地区:重庆、四川、贵州、云南、广西、陕西、甘肃、青海、宁夏、新疆、内蒙古、西藏地区分
行;
(7)东北地区:辽宁、吉林、黑龙江地区分行;
(8)境外及附属机构:境外分行及境内外子公司。




       3.2.3 业务总收入变动情况

       报告期内,本集团实现业务总收入 2,700.30 亿元,同比增加 67.20 亿元,增长 2.55%。
                                                                                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                             119,231                      44.15                   -7.05
拆借收入                               5,527                       2.05                   42.01
存放央行收入                           7,422                       2.75                   -1.75
存放同业收入                           2,688                       1.00                   13.27
买入返售金融资产收入                   1,012                       0.37                  -85.26
债券及应收款项类投资收入              81,004                      30.00                    4.05
手续费及佣金收入                      43,236                      16.01                   47.50
融资租赁收入                           2,368                       0.88                   12.55
其他收入                               7,542                       2.79                   48.29
合      计                           270,030                     100.00                    2.55




                                                7
2016 年年度报告摘要


       3.3 利润情况分析

       报告期内,本集团各项业务持续发展,非利息净收入快速增长,在营业收入中的占比较
2015 年度上升 9.87 个百分点至 32.76%;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 530.99 亿元,同比增长 4.93%。
                                                                          单位:人民币百万元
项       目                               2016年度                       2015年度
营业收入                                              160,792                       146,550
其中:利息净收入                                      108,120                       113,009
         非利息净收入                                  52,672                         33,541
税金及附加                                             4,444                          8,976
业务及管理费                                           37,238                         32,034
资产减值损失                                           49,104                         38,795
其他业务成本                                             346                            678
营业外收支净额                                           315                            810
利润总额                                               69,975                         66,877
所得税费用                                             16,297                         15,880
净利润                                                 53,678                         50,997
少数股东损益                                             579                            393
归属于母公司股东的净利润                               53,099                         50,604




       3.3.1 利息收入

       报告期内,本集团实现利息收入 2,148.14 亿元,同比减少 134.40 亿元,下降 5.89%。
                                                                          单位:人民币百万元
                                          2016 年度                       2015 年度
项       目
                                  金额             占比(%)     金额           占比(%)
存放中央银行                        7,422                 3.46     7,554                 3.31
存放同业                            2,688                 1.25     2,373                 1.04
拆出资金                            5,527                 2.57     3,892                 1.71
企业贷款                           79,751                37.13    94,157                41.25
个人贷款                           36,918                17.19    31,169                13.66
贴现及转贴现                        2,562                 1.19     2,947                 1.29
债券投资及同业存单                 21,165                 9.85    19,348                 8.48
除债券投资及同业存单外的投资       54,956                25.58    57,278                25.09
买入返售金融资产                    1,012                 0.47     6,866                 3.01
融资租赁应收款                      2,368                 1.10     2,104                 0.92
其他                                     445              0.21          566              0.24
合       计                       214,814               100.00   228,254               100.00




                                               8
2016 年年度报告摘要


       3.3.2 利息支出

       报告期内,本集团实现利息支出 1,066.94 亿元,同比减少 85.51 亿元,下降 7.42%。
                                                                          单位:人民币百万元
                                           2016 年度                          2015 年度
项       目
                                   金额             占比(%)    金额           占比(%)
向中央银行借款                        2,142               2.01     1,489              1.29
同业往来                             34,335              32.18    36,464             31.64
卖出回购金融资产                      1,898               1.78     1,516              1.32
吸收存款                             47,666              44.68    65,012             56.41
已发行债务证券                       19,499              18.27    10,140              8.80
其他                                  1,154               1.08          624           0.54
合       计                         106,694             100.00   115,245             100.00



       3.3.3 非利息收入

       报告期内,本集团实现非利息净收入 526.72 亿元,同比增加 191.31 亿元,增长 57.04%。
                                                                          单位:人民币百万元
                                           2016 年度                          2015 年度
项       目
                                   金额             占比(%)    金额           占比(%)
手续费及佣金净收入                   40,692              77.26    27,798             82.87
其中:手续费及佣金收入               43,236              82.09    29,313             87.39
        手续费及佣金支出             -2,544              -4.83    -1,515             -4.52
投资损益                              7,033              13.35          461           1.37
公允价值变动损益                      2,812               5.34     2,991              8.92
汇兑损益                               -528              -1.00      -713             -2.12
其他业务收入                          2,663               5.05     3,004              8.96
合       计                          52,672             100.00    33,541             100.00


       3.3.4 业务及管理费

       报告期内,本集团业务及管理费 372.38 亿元,同比增加 52.04 亿元,增长 16.25%。
                                                                          单位:人民币百万元
                                           2016 年度                     2015 年度
项       目
                                   金额             占比(%)    金额           占比(%)
员工工资、奖金、津贴和补贴           16,851              45.25    14,763             46.08
福利费                                    560             1.50          491           1.53
社会保险费                            2,623               7.04     2,457              7.67
住房公积金                                970             2.61          890           2.78
工会经费和职工教育经费                    406             1.09          477           1.49
租赁费                                2,780               7.47     2,531              7.90
折旧及摊销费                          3,184               8.55     2,228              6.96
电子设备运转及维护费                      782             2.10          705           2.20
其他                                  9,082              24.39     7,492             23.39
合       计                          37,238             100.00    32,034             100.00

                                                9
2016 年年度报告摘要


     3.3.5 资产减值损失

     报告期内,本集团资产减值损失 491.04 亿元,同比增加 103.09 亿元,增长 26.57%。
                                                                                             单位:人民币百万元
                                                2016 年度                                   2015 年度
项    目
                                       金额                占比(%)                金额             占比(%)
发放贷款和垫款                          46,845                   95.40                37,070              95.56
应收款项类投资                           1,209                    2.46                     955             2.46
应收利息                                      384                 0.78                     157             0.40
应收融资租赁款                                336                 0.68                     321             0.83
其他应收款                                    264                 0.54                     271             0.70
持有至到期投资                                  48                0.10                      -                    -
抵债资产                                        18                0.04                      21             0.05
合    计                                49,104                   100.00               38,795             100.00



     3.3.6 所得税费用

     报告期内,本集团所得税费用 162.97 亿元,同比增加 4.17 亿元,增长 2.63%。
                                                                                             单位:人民币百万元
项    目                                                         2016 年度                           2015 年
税前利润                                                           69,975                            66,877
按适用税率计算之所得税                                             17,483                            16,719
不得抵扣的费用                                                         513                               249
免税收入                                                           -1,713                            -1,379
影响当期损益的以前年度所得税调整                                          14                             291
所得税费用                                                         16,297                            15,880




     3.4 资产情况分析

     截至报告期末,本集团资产总额 58,572.63 亿元,较上年末增加 8,129.11 亿元,增长
16.12%。

     3.4.1 按产品类型划分的贷款结构及贷款质量

     截至报告期末,公司贷款占比 62.66%,较上年末下降 8.43 个百分点;票据贴现占比 2.22%,
较上年末下降 0.54 个百分点;个人贷款占比 35.12%,较上年末上升 8.97 个百分点。
                                                                                             单位:人民币百万元
                          2016 年 12 月 31 日                                      2015 年 12 月 31 日
产品类型                                        不良贷款率                                            不良贷款率
                 贷款余额       不良贷款额                          贷款余额          不良贷款额
                                                     (%)                                               (%)
公司贷款         1,731,314         41,409                 2.39      1,596,134              27,286          1.71
票据贴现              61,293             -                   -            62,080                 -               -
个人贷款          970,199          10,769                 1.11         587,304              7,768          1.32
总    计         2,762,806         52,178                 1.89      2,245,518              35,054          1.56


                                                     10
2016 年年度报告摘要


       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 12 月 31 日              2015 年 12 月 31 日
行业                                                 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                              1,731,314            62.66    2.39 1,596,134        71.09      1.71
制造业                                     337,188         12.21    4.87    350,252       15.61      3.99
批发和零售业                               303,465         10.98    5.48    299,024       13.32      2.99
房地产业                                   244,285          8.84    0.27    236,579       10.54      0.35
租赁和商务服务业                           244,088          8.83    0.15    168,908        7.52      0.11
建筑业                                     125,173          4.53    0.89    125,383        5.58      0.52
交通运输、仓储和邮政业                     111,969          4.05    0.73     99,416        4.43      0.44
水利、环境和公共设施管理业                 101,138          3.66    0.19     92,399        4.11      0.18
采矿业                                      65,748          2.38    5.93     60,021        2.67      2.12
电力、热力、燃气及水生产和供应业            58,505          2.12    0.13     46,785        2.08      0.14
农、林、牧、渔业                            21,590          0.78    2.17     19,924        0.89      0.83
科学研究和技术服务业                        18,254          0.66    0.25      7,616        0.34      0.54
信息传输、软件和信息技术服务业              16,340          0.59    0.78     12,452        0.55      1.59
公共管理、社会保障和社会组织                15,421          0.56      -      15,073        0.67           -
卫生和社会工作                              13,591          0.49      -      11,416        0.51           -
教育                                        10,191          0.37    0.15     11,204        0.50      0.12
文化、体育和娱乐业                          10,024          0.36    1.44      7,717        0.34      0.81
住宿和餐饮业                                 9,999          0.36    1.12     11,858        0.53      1.46
居民服务、修理和其他服务业                   9,882          0.36    0.87     11,787        0.52      0.46
金融业                                       8,747          0.32      -       4,386        0.20           -
其他                                         5,716          0.21      -       3,934        0.18      0.86
票据贴现                                    61,293          2.22      -      62,080        2.76           -
银行承兑汇票贴现                            33,514          1.21      -      48,043        2.14           -
转贴现                                      20,543          0.75      -       8,785        0.39           -
商业承兑汇票贴现                             7,236          0.26      -       5,252        0.23           -
个人贷款                                   970,199         35.12    1.11    587,304       26.15      1.32
总       计                           2,762,806           100.00    1.89 2,245,518       100.00      1.56




       3.4.3 按地区划分的贷款结构
                                                                                      单位:人民币百万元
                               2016 年 12 月 31 日                         2015 年 12 月 31 日
地       区
                         账面余额                占比(%)             账面余额             占比(%)
总行                             331,611                   12.00             165,417               7.37
长三角地区                       764,740                   27.69             684,878              30.50
珠三角及海西地区                 255,951                    9.26             189,971               8.46
环渤海地区                       374,460                   13.55             306,002              13.63
中部地区                         384,345                   13.91             326,562              14.54
西部地区                         413,968                   14.98             351,284              15.64

                                                     11
2016 年年度报告摘要


东北地区                        165,938                  6.01          163,123                7.26
境外及附属机构                   71,793                  2.60           58,281                2.60
合    计                   2,762,806                  100.00       2,245,518             100.00




     3.4.4 按担保方式划分的贷款结构
                                                                               单位:人民币百万元
担保方式                          2016 年 12 月 31 日                            占比(%)
抵押贷款                                  1,157,707                                  41.90
保证贷款                                    682,061                                  24.69
信用贷款                                    744,151                                  26.93
质押贷款                                    178,887                                   6.48
合    计                                  2,762,806                                 100.00




     3.5 负债情况分析

     截至报告期末,本集团负债总额 54,843.29 亿元,较上年末增加 7,585.77 亿元,增长
16.05%。

     3.5.1 客户存款构成
                                                                               单位:人民币百万元
                           2016 年 12 月 31 日                   2015 年 12 月 31 日
项    目
                        余额                占比(%)           余额                占比(%)
活期存款                1,376,149                     45.83     1,086,248                    36.76
其中:公司存款          1,213,075                     40.40       956,336                    32.37
      个人存款            163,074                       5.43      129,912                     4.39
定期存款                1,352,871                     45.07     1,516,936                    51.35
其中:公司存款          1,042,125                     34.72     1,144,900                    38.76
      个人存款            310,746                     10.35       372,036                    12.59
保证金存款                235,879                       7.86      319,832                    10.83
国库存款                   33,904                       1.13       27,451                     0.93
其他存款                       3,212                    0.11           3,682                  0.13
合    计                3,002,015                  100.00       2,954,149                100.00




     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 12 月 31 日                   2015 年 12 月 31 日
交易对方
                        余额                占比(%)           余额                占比(%)
银行同业                  494,611                     36.86       339,032                    32.51
非银行同业                847,352                     63.14       703,916                    67.49
合    计                1,341,963                  100.00       1,042,948                100.00




                                                 12
2016 年年度报告摘要


       3.5.3 卖出回购金融资产情况
                                                                                            单位:人民币百万元
                              2016 年 12 月 31 日                          2015 年 12 月 31 日
品      种
                           余额                  占比(%)                 余额                  占比(%)
债券                          72,606                       77.90                43,756                     36.71
票据                          20,344                       21.83                74,995                     62.91
应收融资租赁款                      250                     0.27                      454                   0.38
合      计                    93,200                      100.00               119,205                    100.00




       3.6 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 3,679.47 亿元,比上年底增加了 527.77 亿元,
增幅 16.75%。本集团通过自身净利润积累、发行股份等方式补充了资本。
                                                                                            单位:人民币百万元
项      目                        2016 年 12 月 31 日         2015 年 12 月 31 日            变动比例(%)
股本                                           21,618                      18,653                         15.90
其他权益工具                                   29,920                      29,920                             -
资本公积                                       74,678                      60,639                         23.15
其他综合收益                                        233                     5,713                         -95.92
盈余公积                                       78,689                      63,651                         23.63
一般风险准备                                   65,493                      45,924                         42.61
未分配利润                                     97,316                      90,670                          7.33
归属于母公司股东权益合计                      367,947                     315,170                         16.75
少数股东权益                                    4,987                       3,430                         45.39
股东权益合计                                  372,934                     318,600                         17.05




       3.7 投资状况分析

       截至报告期末,本集团投资净额 19,588.34 亿元,较期初增加 1,376.54 亿元,增长 7.56%。
                                                                                            单位:人民币百万元
                                          2016 年 12 月 31 日                       2015 年 12 月 31 日
项      目
                                       余额                占比(%)           余额               占比(%)
可供出售金融资产                          620,463               31.68             254,846                 13.99
应收款项类投资                        1,010,472                 51.58         1,325,032                   72.76
持有至到期投资                            326,950               16.69             239,703                 13.16
长期股权投资                                  949                  0.05              1,599                 0.09
合      计                            1,958,834               100.00          1,821,180                   100.00




                                                      13
2016 年年度报告摘要


       3.8 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               2016 年末   2015 年末    增减(%)      报告期内变动的主要原因
存放同业款项               234,223     111,388           110.28   存放境内银行款项增加
贵金属                       9,548      28,724           -66.76   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存
                           177,203      63,746           177.98
计入当期损益的金融资产                                            单规模增加
衍生金融资产                16,233      10,610            53.00   公允价值估值变化所致
买入返售金融资产             3,001     110,218           -97.28   买入返售票据规模减少
可供出售金融资产           620,463     254,846           143.47   购买他行理财产品及基金投资规模增加
持有至到期投资             326,950     239,703            36.40   政府债券和政策性银行债券规模增加
长期股权投资                   949       1,599           -40.65   富邦华一银行股权出售
                                                                  收购上海信托增加相应信托业务特许经
无形资产                     3,396         879           286.35
                                                                  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
递延所得税资产              21,838      14,427            51.37   可抵扣暂时性差异增加
                                                                  应收融资租赁款及应收信托业保障基金
其他资产                    69,201      51,648            33.99
                                                                  代付款增加
向中央银行借款             147,622      23,645           524.33   向央行融资规模增加
以公允价值计量且其变动
                            29,526         210     13,960.00      贵金属现货卖空头寸规模增加
计入当期损益的金融负债
衍生金融负债                13,091       7,319            78.86   公允价值估值变化所致
已发行债务证券             664,683     399,906            66.21   发行绿色金融债及同业存单规模增加
                                                                  收购上海信托,资产评估增值导致递延
递延所得税负债                 717            7    10,142.86
                                                                  所得税负债增加
其他负债                    36,237      22,067            64.21   代划转结算和暂收款项规模增加
其他综合收益                   233       5,713           -95.92   可供出售金融资产公允价值变动
一般风险准备                65,493      45,924            42.61   提取一般风险准备
少数股东权益                 4,987       3,430            45.39   收购上海信托导致少数股东权益增加


项       目               2016 年度   2015 年度    增减(%)      报告期内变动的主要原因
手续费及佣金净收入          40,692      27,798           46.38    收入结构优化,手续费及佣金收入增加
投资收益                     7,033         461         1,425.60   债券投资收益增加
税金及附加                   4,444       8,976          -50.49    营改增原因
其他业务成本                   346         678          -48.97    票据买卖价差损失减少
营业外收入                     459         983          -53.31    抵债资产和非流动资产处置收入减少
                                                                  计入其他综合收益的可供出售金融资产
其他综合收益的税后净额      -5,479       4,454         -223.01
                                                                  的公允价值下降
经营活动(支付)/产生的
                          -191,993     358,820         -153.51    客户贷款及垫款支付的现金增加
现金流量净额
投资活动支付的现金流量
                           -64,015    -531,220          不适用    收回投资收到的现金增加
净额



                                                  14
2016 年年度报告摘要


    3.9 2017 年度公司经营计划

    1、年末总资产规模计划达到 6.15 万亿元,较 2016 年末增长 6.5%左右;

    2、年末本外币各项贷款余额计划达到 3.15 万亿元,较 2016 年末增长 15%左右;

    3、力争全年净利润与 2016 年相比保持正增长;

    4、力争年末不良率控制在 2%左右,拨备覆盖率保持在 150%以上。

    特别提示:2017 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,理解计划、预测与承诺之间的差异。



    3.10 公司 2016 年度利润分配预案

    3.10.1 2016 年度利润分配预案

    根据经审计的 2016 年度会计报表, 母公司共实现净利润 516.97 亿元,扣除 2016 年已
发放的浦发优 1 和浦发优 2 股息 17.25 亿元后,可供普通股股东分配的当年利润为 499.72
亿元。2016 年初未分配利润为 896.48 亿元,扣除 2015 年度各项利润分配事项 446.04 亿元,
本次实际可供普通股股东分配的利润为 950.16 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 2016 年度分配预案如下:

    1、按当年税后利润 30%的比例提取任意盈余公积,共计 155.09 亿元;

    2、提取一般准备 98.55 亿元;

    3、以 2016 年末普通股总股本 21,618,279,922 股为基数,向全体股东每 10 股派送现金
股利 2 元人民币(含税),合计分配现金股利人民币 43.24 亿元;以资本公积按每 10 股转
增 3 股,合计转增人民币 64.85 亿元。

    上述方案执行后,结余的未分配利润按照中国银监会对商业银行资本充足的有关要求,
留做补充资本。

    3.10.2 关于现金分红比例的说明

    公司拟分配的现金分红主要基于以下考虑:一是国际、国内外部资本监管要求都更趋严
格,特别是央行的宏观审慎监管体系,对商业银行资本充足水平提出了更高的要求;二是随
着公司集团化、国际化战略的不断推进,集团及各子公司对于资本补充的需求显著上升;三
是受外部经济环境影响,国家持续推进去产能、去库存、去杠杆的改革,国内银行业风险管
控压力持续上升。为此,综合考虑监管机构的相关要求、集团自身盈利水平和资本补充并提
高抗风险的能力、投资者分享公司成长和取得合理投资回报的期望,本年度适当提高了利润

                                         15
2016 年年度报告摘要


留存比例,确定了上述利润分配方案。



     4 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 12 月 31 日    2015 年 12 月 31 日           2014 年 12 月 31 日
资产总额                               5,857,263                   5,044,352                 4,195,924
负债总额                               5,484,329                   4,725,752                 3,932,639
存款总额                               3,002,015                   2,954,149                 2,793,224
其中:企业活期存款                     1,213,075                    956,336                     801,622
       企业定期存款                    1,042,125                   1,144,900                 1,086,841
       储蓄活期存款                      163,074                    129,912                     111,674
       储蓄定期存款                      310,746                    372,036                     363,714
贷款总额                               2,762,806                   2,245,518                 2,028,380
其中:正常贷款                         2,710,628                   2,210,464                 2,006,795
       不良贷款                             52,178                    35,054                     21,585
同业拆入                                    97,132                    99,589                     63,098
贷款损失准备                                88,249                    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。
     (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,2014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

     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 12 月 31 日                      2015 年 12 月 31 日
项     目
                                   本集团             本行               本集团                本行
资本总额                             461,713           453,534             414,306              408,996
其中:核心一级资本                   340,728           334,904             288,760              284,578
       其他一级资本                   30,103            29,920                 30,018            29,920
       二级资本                       90,882            88,710                 95,528            94,498
资本扣除项                            10,032            23,472                   565                 4,053
其中:核心一级资本扣减项              10,032            23,472                   565                 4,053
       其他一级资本扣减项                    -                -                     -                   -
       二级资本扣减项                        -                -                     -                   -
资本净额                             451,681           430,062             413,741              404,943
最低资本要求(%)                        8.00               8.00                8.00                  8.00

                                                 16
2016 年年度报告摘要


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                                  -                  -                    -               -
风险加权资产                       3,878,740           3,782,418         3,367,834           3,310,015
其中:信用风险加权资产             3,542,942           3,463,474         3,089,433           3,035,671
       市场风险加权资产               44,773               39,695            35,257             34,968
       操作风险加权资产              291,025             279,249            243,144            239,376
核心一级资本充足率(%)                    8.53               8.23             8.56                 8.48
一级资本充足率(%)                        9.30               9.02             9.45                 9.38
资本充足率(%)                        11.65               11.37              12.29                12.23
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

     报告期末,根据中国银监会《商业银行杠杆率管理办法(修订)》,集团杠杆率 5.47%,
较上年末上升 0.16 个百分点;本行杠杆率 5.25%,较上年末上升 0.01 个百分点。
                                                                                      单位:人民币百万元
                                     2016 年 12 月 31 日                     2015 年 12 月 31 日
项       目
                                  本集团               本行               本集团               本行
一级资本净额                        360,799              341,352            318,213            310,445
调整后的表内外资产余额            6,600,363            6,503,713         5,988,358           5,920,689
杠杆率(%)                            5.47                   5.25             5.31                 5.24

     公司在官方网站(www.spdb.com.cn)投资者关系专栏披露本报告期末杠杆率相关明细
信息。


     4.2.3 流动性覆盖率情况
                                                                                      单位:人民币百万元
本集团                                                          2016 年 12 月 31 日
合格优质流动性资产                                                        390,886
现金净流出量                                                              463,668
流动性覆盖率(%)                                                            84.30




                                                  17
2016 年年度报告摘要


      4.3 公司前三年其他监管财务指标

                                                            2016 年        2015 年                2014 年
项      目(%)                             标准值
                                                       年末      平均   年末      平均     年末       平均
                     资本充足率             ≥9.7      11.37    11.90   12.23     11.69    11.25       10.94
《商业银行资本管
                     一级资本充足率         ≥7.7       9.02     9.27    9.38      9.29     9.05        8.64
理办法(试行)》
                     核心一级资本充足率     ≥6.7       8.23     8.42    8.48      8.41     8.52        8.54
                     人民币                 ≥25       37.67    35.57   34.06     34.95    30.68       34.87
资产流动性比率
                     本外币合计             ≥25       37.05    35.06   33.50     35.91    32.93       36.03
                     拆入资金比             ≤4         2.01     1.87    2.42      1.84     1.56        1.66
拆借资金比例
                     拆出资金比             ≤8         4.16     4.85    4.59      3.05     1.13        1.44
单一最大客户贷款比例                        ≤10        1.58     1.44    1.43      1.58     1.54        1.77
最大十家客户贷款比例                        ≤50       10.93    10.99   10.87     11.31    11.69       12.22
注:(1)本表中本报告期资本充足率、资产流动性比率、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,数据为母公司口径。

     (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
期内对公司2016年底资本充足率的要求:资本充足率9.7%,一级资本充足率7.7%,核心一级资本充足率6.7%。




      4.4 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

      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,公司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。

      截至报告期末,公司共设有 1,843 个分支机构,具体情况详见下表:

                                                                                职工数    资产规模          所属
 地区             机构名称                           地址
                                                                                (人)    (百万元) 机构数
           总行                   上海市中山东一路 12 号                        3,535     1,558,817     1,842
 总行      信用卡中心             上海市浦东南路 588 号浦发大厦                 9,075       266,288            -
           小      计                                                           12,610    1,825,105     1,842
           上海分行               上海市浦东南路 588 号                         4,225       825,014          199
           杭州分行               杭州市延安路 129 号                           2,329       178,935           90
           宁波分行               宁波市江厦街 21 号                            1,496       112,639           41
 长三角    南京分行               南京市中山东路 90 号                          3,033       323,371           99
 地区      温州分行               温州市车站大道高联大厦 1-3 层                   707        43,717           25
           苏州分行               苏州市工业园区钟园路 718 号                     850       105,846           34
           上海自贸试验区分行 上海市浦东南路 588 号浦发大厦 22 楼                  34         5,241            -
           小      计                                                           12,674    1,594,763          488
           广州分行               广州市天河区珠江西路 12 号                    1,649       212,667           64
 珠三角    深圳分行               深圳市福田区福华三路国际商会中心              1,326       253,951           63
 及海西    福州分行               福州市湖东路 222 号                             757        76,628           78
 地区      厦门分行               厦门市厦禾路 666 号之一                         298        28,779           17
           小      计                                                           4,030       572,025          222


                                                       18
2016 年年度报告摘要


              北京分行           北京市西城区太平桥大街 18 号              1,717     511,125       79
              天津分行           天津市河西区宾水道增 9 号 D 座            1,336     249,208       44
              济南分行           济南市黑虎泉西路 139 号                   1,330       98,213      63
环渤海
              青岛分行           青岛市崂山区海尔路 188 号                   734       74,376      35
地区
                                 石家庄市长安区裕华东路 133 号方北购物广
              石家庄分行                                                     712       68,351      33
                                 场 101
              小    计                                                     5,829    1,001,273    254
              芜湖分行           芜湖市瑞祥路 88 号皖江财富广场 A3 楼        352       60,073      11
              郑州分行           郑州市金水路 299 号                       1,880     184,300       88
              武汉分行           武汉市江汉区新华路 218 号                   845       73,212      41
              太原分行           太原市青年路 5 号                           873       54,810      61
中部
              长沙分行           长沙市芙蓉中路一段 478 号                   951       82,427      57
地区
              南昌分行           南昌市红谷中大道 1402 号                    673       55,072      38
              合肥分行           合肥市滨湖新区杭州路 2608 号                621       72,104      32
              海口分行           海口市玉沙路 26 号                          169       23,529      10
              小    计                                                     6,364     605,527     338
              重庆分行           重庆市北部新区高新园星光大道 78 号          774       67,786      32
              昆明分行           昆明市东风西路 156 号                       737       90,889      51
              成都分行           成都市成华区二环路东二段 22 号            1,007     117,748       44
              西安分行           西安市高新区锦业路 6 号                     923       83,897      60
              南宁分行           南宁市金浦路 22 号                          567       59,283      27
              乌鲁木齐分行       乌鲁木齐市新华南路 379 号                   515       39,223      28
西部                             呼和浩特市赛罕区敕勒川大街 18 号东方君
              呼和浩特分行                                                   557       30,390      27
地区                             座B座
              兰州分行           兰州市广场南路 101 号                       500       47,834      39
              贵阳分行           贵阳市延安中路 20 号附 1 号                 390       42,417      20
              西宁分行           西宁市城西区微波巷 1 号 1-7 亚楠大厦        190       19,185      12
              银川分行           银川市兴庆区新华东街 51 号                  130       10,509      3
              拉萨分行           拉萨市城关区北京中路 48 号 1 号商务楼        69       5,063       -
              小    计                                                     6,359     614,224     343
              大连分行           大连市沙河口区会展路 45 号                1,116     120,791       70
              沈阳分行           沈阳市沈河区奉天街 326 号                   805       52,155      37
东北
              哈尔滨分行         哈尔滨市南岗区红旗大街 226 号               682       72,795      30
地区
              长春分行           长春市人民大街 3518 号                      494       56,004      19
              小    计                                                     3,097     301,745     156
              香港分行           香港中环夏悫道 12 号美国银行中心 15 楼      163     117,728       -
              新加坡分行(筹)   -                                            29           -       -
境外
              伦敦分行(筹)     -                                            12           -       -
              小    计                                                       204     117,728       -
汇总调整                                                                       -     -860,644      -
总       计                                                                51,167   5,771,746   1,843
注:职工数、资产规模、所属机构数的总计数均不包含控股子公司。




                                                      19
2016 年年度报告摘要


       4.5 本集团贷款资产质量情况
                                                                                 单位:人民币百万元
五级分类                         2016 年 12 月 31 日             占比(%)     比上年末增减(%)
正 常 类                                 2,605,124                  94.29                     21.41
关 注 类                                   105,504                    3.82                    63.15
次 级 类                                     20,625                   0.75                     4.05
可 疑 类                                     15,781                   0.57                    65.38
损 失 类                                     15,772                   0.57                   177.24
合     计                                2,762,806                  100.00                    23.04

                                                                                 单位:人民币百万元
分     类                        2016 年 12 月 31 日             占比(%)      2015 年 12 月 31 日
重组贷款                                        110                     -                       133
逾期贷款                                     82,194                   2.98                   59,185


       4.6 贷款损失准备计提情况
                                                                                 单位:人民币百万元
本集团                                    2016 年度                            2015 年度
年初余额                                                74,105                             53,766
本年计提                                                46,845                             37,070
本年核销                                               -15,290                          -10,044
本年转出                                               -17,949                             -6,432
收回原核销贷款                                          1,650                                 630
因折现价值上升转回                                      -1,166                               -914
汇率变动                                                    54                                 29
年末余额                                                88,249                             74,105
贷款减值准备金计提方法的说明:

(1)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。

(2)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。

(3)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 12 月 31 日                 2015 年 12 月 31 日
债券及其他应收款项类投资                               12,243                              10,828
贷款                                                    7,877                              7,604
存放央行及同业往来                                      2,311                              1,650
买入返售金融资产                                            2                                  -
应收融资租赁款                                            478                                355
合       计                                            22,911                              20,437
                                                 20
2016 年年度报告摘要


       4.8 抵债资产
                                                                          单位:人民币百万元
                                 2016 年 12 月 31 日             2015 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                           1,499                 595         1,259               548
法人股                                20                18             129              43
其他                                  18                 -               25              4
合       计                      1,537                 613         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
                                        2016 年度                      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                 1,050,425                 0.67      828,623               0.75
企业定期存款                 1,145,160                 2.57    1,219,177               3.34
储蓄活期存款                   145,719                 0.29      111,609               0.32
储蓄定期存款                   335,071                 2.23      368,658               2.88
保证金存款                     272,043                 1.19      361,396               1.95



       4.9.2 主要贷款类别
                                                                          单位:人民币百万元
                                        2016 年度                      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                     1,650,203                 4.83    1,581,252               5.95
零售贷款                       746,531                 4.95      522,602               5.96
票据贴现                        82,159                 3.12       67,796               4.35
一般性短期贷款               1,166,830                 4.92    1,113,321               5.87
中长期贷款                   1,229,904                 4.82      990,533               6.06



       4.9.3 其他
                                                                          单位:人民币百万元
                                        2016 年度                      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               504,356                 1.47      499,712               1.51
存放同业款项及拆出资金         310,556                 2.64      241,033               2.60
买入返售金融资产                36,808                 2.75      163,483               4.20
债券及应收款项类投资         1,966,221                 3.87    1,509,399               5.08
同业及其他金融机构存放款
                             1,292,475                 2.66    1,064,661               3.43
项和拆入资金
卖出回购金融资产                79,723                 2.38       53,905               2.78
已发行债券证券                 593,675                 3.28      246,515               4.11

                                              21
2016 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
本集团                                                面值               到期日
                                                               (%)                  减值准备
国家开发银行 2016 年第六期金融债券                     7,320     2.96   2021-02-18             -
中国农业发展银行 2016 年第三期金融债券                 5,990     3.01   2021-01-06             -
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             -
交通银行股份有限公司 2016 年绿色金融债券               4,000     3.25   2021-11-22             -
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             -
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             -



    5 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
    因发行股份收购上海信托,本集团财务报表合并范围新增上海信托及其子公司。

    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:2017 年 3 月 30 日




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