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浦发银行(600000)公告正文

浦发银行:2018年半年度报告摘要

公告日期 2018-08-30
股票简称:浦发银行 股票代码:600000
2018 年半年度报告摘要




               上海浦东发展银行股份有限公司
                   2018 年半年度报告摘要

       一、重要提示
       1.1 本半年度报告摘要来自半年度报告全文,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半年
度报告全文。
       1.2 公司董事会、监事会及董事、监事、高级管理人员保证半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 2018 年 8 月 28 日在上海召开第六届董事会第三十四次会议审议通过本报
告,顾建忠董事、董秀明董事因公务无法亲自出席会议,分别书面委托傅帆董事、潘卫东董
事代行表决权;其余董事亲自出席会议并行使表决权。
       1.4 公司半年度报告中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未
经审计,但已经普华永道中天会计师事务所(特殊普通合伙)分别根据中国注册会计师审阅
准则和国际审阅准则审阅,并出具了标准无保留结论的审阅报告。


       二 公司基本情况
       2.1    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                  谢   伟                     杨国平、吴     蓉
电话                  021-63611226                021-61618888 转董监事会办公室
传真                  021-63230807                021-63230807
电子邮件              Xiew2@spdb.com.cn           yanggp@spdb.com.cn;wur2@spdb.com.cn




                                                  1
         2018 年半年度报告摘要



             2.2 主要财务数据和股东变化

             2.2.1 主要财务数据
                                                                          单位:人民币百万元

                                               本报告期         上年同期            本期比上年
                                             (未经审计)     (未经审计)          同期增减(%)
主要会计数据
营业收入                                             82,256         84,045                     -2.13
利润总额                                             34,161         36,751                     -7.05
归属于母公司股东的净利润                             28,569         28,165                      1.43
归属于母公司股东的扣除非经常性损益的净利润           28,432         27,618                      2.95
经营活动产生的现金流量净额                         -118,095       -256,026                 不适用
主要财务指标(元/股)
基本每股收益                                           0.95           0.97                     -2.06
稀释每股收益                                           0.95           0.97                     -2.06
扣除非经常性损益后的基本每股收益                       0.94           0.95                     -1.05
每股经营活动产生的现金流量净额                        -4.02          -9.11                 不适用
盈利能力指标(%)
加权平均净资产收益率                                   6.97           7.85      下降 0.88 个百分点
扣除非经常性损益后的加权平均净资产收益率               6.93           7.69      下降 0.76 个百分点
平均总资产收益率                                       0.47           0.48      下降 0.01 个百分点
全面摊薄净资产收益率                                   6.75           7.66      下降 0.91 个百分点
扣除非经常性损益后全面摊薄净资产收益率                 6.72           7.50      下降 0.78 个百分点
净利差                                                 1.70           1.69      上升 0.01 个百分点
净利息收益率                                          1.77            1.82      下降 0.05 个百分点
成本收入比                                            24.28          22.89      上升 1.39 个百分点
占营业收入百分比(%)
利息净收入比营业收入                                  62.36          61.64      上升 0.72 个百分点
非利息净收入比营业收入                                37.64          38.36      下降 0.72 个百分点
手续费及佣金净收入比营业收入                          24.14          28.74      下降 4.60 个百分点
                                              本报告期末         上年末           本期末比上年末
                                             (未经审计)      (经审计)          增减(%)
规模指标
资产总额                                          6,091,759      6,137,240                     -0.74
归属于母公司股东的净资产                            440,855        425,404                      3.63
归属于母公司普通股股东的净资产                      410,935        395,484                      3.91
归属于母公司普通股股东的每股净资产(元/股)             14.00          13.47                      3.93
资产质量指标(%)
不良贷款率                                             2.06           2.14      下降 0.08 个百分点
贷款减值准备对不良贷款比率                           146.52         132.44     上升 14.08 个百分点
贷款减值准备对贷款总额比率                             3.02           2.84      上升 0.18 个百分点




                                              2
2018 年半年度报告摘要


注:
  (1)公司根据财政部《企业会计准则第42号——持有待售非流动资产、处置组和终止经营》及《企业
会计准则第16号——政府补助》的规定,将原计入在“营业外收入”和“营业外支出”中的相关资产处置
利得或损失及与企业日常活动相关的政府补助分别计入新增的“资产处置损益”及“其他收益”项目,并
对比较期相关报表项目及财务指标重述,上述规定对公司利润总额和净利润没有影响。
  (2)基本每股收益、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。报告期基本每股收益按照发行在外的普通股加
权平均数29,352,080,397股计算得出。
  (3)2018年3月,公司对浦发优2优先股发放股息人民币8.25亿元。在计算本报告披露的每股收益及加
权平均净资产收益率等指标时,公司考虑了浦发优2优先股股息发放的影响。
  (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。
  (5)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。
  (6)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。
  (7)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。
  (8)净利差为总生息资产平均收益率与总计息负债平均成本率两者的差额。净利息收益率=利息净收入
/总生息资产平均余额。根据2018年1月1日实行的新金融工具准则的要求,报告期内以公允价值计量且其变
动计入当期损益的金融资产产生的利息计入投资损益,若按原口径还原至利息收入,集团净利差为1.72%,
净利息收益率为1.81%。
  (9)成本收入比=业务及管理费/营业收入。
  (10)报告期加权平均净资产收益率、扣除非经常性损益后的加权平均净资产收益率、全面摊薄净资产
收益率、扣除非经常性损益后全面摊薄净资产收益率、平均总资产收益率未年化处理。

       2.2.2 前十名普通股股东持股情况
                                                                                               单位:股

报告期末股东总数(户)                                                     205,902
前十名股东持股情况
                                                                报告期内增减    有限售条件      质押或
股东名称                       持股总数             比例(%)
                                                                (+,-)        股份数量        冻结数
上海国际集团有限公司            6,331,322,671         21.57                 -   842,003,367          -
中国移动通信集团广东有限公司    5,334,892,824         18.18                 -              -         -
富德生命人寿保险股份有限公司
                                2,779,437,274          9.47                 -              -         -
-传统
富德生命人寿保险股份有限公司
                                1,763,232,325          6.01                 -              -         -
-资本金
上海上国投资产管理有限公司      1,395,571,025          4.75                 -              -         -
中国证券金融股份有限公司        1,283,011,919          4.37      + 66,032,468              -         -
富德生命人寿保险股份有限公司
                                1,270,428,648          4.33                 -              -         -
-万能 H
上海国鑫投资发展有限公司          945,568,990          3.22                 -   406,313,131          -
梧桐树投资平台有限责任公司        886,131,340          3.02                 -              -         -
中央汇金资产管理有限责任公司      398,521,409          1.36                 -              -         -




                                                3
2018 年半年度报告摘要


                     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
上述股东关联关系     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。
                     3、除上述情况外,公司未知上述股东之间有关联关系或一致行动关系。


       2.2.3 前十名优先股股东情况表
       2.2.3.1 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

       2.2.3.2 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                                                             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     1.本期优先股股东中国平安财产保险股份有限公司-传统、中国平安人
东与前十名普通股股东之间存在     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-万能为
关联关系或属于一致行动人的说     同一法人。
明                               2.除上述情况外,公司未知上述股东之间有关联关系或一致行动关系。


     (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                                            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



                                                 4
2018 年半年度报告摘要


前十名优先股股东之间,上述股   1.本期优先股股东中国平安人寿保险股份有限公司-分红、中国平安人
东与前十名普通股股东之间存     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-自有资
在关联关系或属于一致行动人     金为同一法人。
的说明                         2.除上述情况外,公司未知上述股东之间有关联关系或一致行动关系。

    三、管理层讨论与分析

    3.1 整体经营情况

    报告期内,面对错综复杂的外部环境,公司围绕“以客户为中心,科技引领,打造一流
数字生态银行”战略目标和“调结构、保收入、强管理、降风险”经营主线,狠抓落实,取
得了较好的工作成效,上半年经营工作呈现稳中有进、稳中向好的发展态势。

    经营效益

    报告期内,本集团实现营业收入 822.56 亿元,比上年同期减少 17.89 亿元,下降 2.13%;
实现利润总额 341.61 亿元,比上年同期减少 25.90 亿元,下降 7.05%;税后归属于母公司
股东的净利润 285.69 亿元,比上年同期增加 4.04 亿元,增长 1.43%。2018 年上半年,平均
总资产收益率(ROA)为 0.47%,比上年同期下降了 0.01 个百分点;加权平均净资产收益率
(ROE)为 6.97%,比上年同期下降了 0.88 个百分点。成本收入比为 24.28%,比上年同期上
升 1.39 个百分点。

    资产负债

    报告期末,本集团资产总额为 60,917.59 亿元,比上年末减少 454.81 亿元,下降 0.74%;
其中,本外币贷款总额为 33,456.37 亿元,比上年末增加 1,510.37 亿元,增长 4.73%。本
集团负债总额 56,443.40 亿元,比上年末减少 619.15 亿元,下降 1.09%;其中,本外币存
款余额为 32,104.12 亿元,比上年末增加 1,724.76 亿元,增长 5.68%。

    业务结构

    报告期内,本集团进一步优化资产业务结构,确立了“零售提收益、增存款,对公调结
构、抓负债,资金去杠杆、增税盾”的策略,在实现零售业务快速发展的同时,公司业务深
化结构调整,强化重点领域配置,金融市场业务去杠杆、优投向。报告期内,零售业务占营
收比重持续上升。截止报告期末,零售存款 6,089.29 亿元,比上年末增加 1,221.07 亿元,
增长 25.08%;零售贷款利息收入 410.96 亿元,比上年同期增加 91.05 亿元,增长 28.46%。

    资产质量

    报告期内,本集团在保持信贷业务运行平稳的同时,扎实推进“降风险”各项工作举措,
全力推进处置化解,主动作为,强化政策引领与授信管理,着力夯实资产质量基础。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 689.91 亿元,比上年末增加
4.72 亿元;不良贷款率为 2.06%,比上年末下降 0.08 个百分点;不良贷款的准备金覆盖率
达 146.52%,比上年末上升 14.08 个百分点;贷款拨备率(拨贷比)3.02%,比上年末上升
0.18 个百分点。




                                                5
2018 年半年度报告摘要



     集团化、国际化

     报告期内,本集团子公司和境外机构业务取得新进展,服务和创收能力持续提升。集团
协同规模同比增长较快,主要投资企业经营良好,合计实现营收 46.55 亿元、净利润 16.94
亿元。继香港分行和新加坡分行开业后,伦敦分行获得当地监管的批准,并于 2018 年 2 月
6 日正式开业,推动公司实现跨欧亚跨时区经营。

     3.2 利润表分析

     报告期内,本集团各项业务持续发展,成本收入比继续保持较低水平,实现营业收入
822.56 亿元,比上年同期减少 17.89 亿元,下降 2.13%;实现归属于母公司股东的净利润
285.69 亿元,比上年同期增加 4.04 亿元,增长 1.43%。
                                                                              单位:人民币百万元

项       目                           本报告期              上年同期                变动额
营业收入                                82,256                84,045                 -1,789
--利息净收入                            51,297                51,803                   -506
--手续费及佣金净收入                    19,860                24,154                 -4,294
--其他净收入                            11,099                 8,088                  3,011
营业支出                                48,092                47,374                    718
--税金及附加                               930                   741                    189
--业务及管理费                          19,971                19,236                    735
--资产减值损失                          26,929                27,170                   -241
--其他业务成本                             262                   227                      35
营业外收入                                  41                   115                    -74
营业外支出                                  44                    35                         9
利润总额                                34,161                36,751                 -2,590
所得税费用                               5,261                 8,229                 -2,968
净利润                                  28,900                28,522                    378
归属于母公司股东的净利润                28,569                28,165                    404
少数股东损益                               331                   357                    -26

注:(1)营业收入下降的原因是:报告期内手续费收入减少。
    (2)利息净收入下降的原因是:根据 2018 年 1 月 1 日实行的新金融工具准则的要求,报告期内以公
允价值计量且其变动计入当期损益的金融资产产生的利息计入投资损益。
     (3)所得税费用下降的原因是:报告期内免税收入增加。

     3.2.1 营业收入
     报告期内,本集团营业收入 822.56 亿元,同比减少 17.89 亿元,下降 2.13%。

     下表列出本集团近三年营业收入构成及占比情况

项       目                       2018 年 1-6 月(%)   2017 年 1-6 月(%)   2016 年 1-6 月(%)
利息净收入                                62.36                61.64                 67.07
手续费及佣金净收入                        24.14                28.74                 27.12
其他净收入                                13.50                 9.62                  5.81
合       计                              100.00               100.00                100.00




                                                 6
2018 年半年度报告摘要




       报告期内,本集团实现业务总收入 1,663.85 亿元,同比增加 134.47 亿元,增长 8.79%。

       下表列出业务总收入变动情况
                                                                                   单位:人民币百万元

项      目                          金    额           占业务总收入比重(%)      比上年同期增减(%)
贷款利息收入                             86,145                  51.78                       17.58
投资利息收入                             36,791                  22.11                        3.49
手续费及佣金收入                         22,663                  13.62                      -13.69
存拆放同业和其他金融机构往
                                         5,178                    3.11                        5.46
来业务利息收入
存放央行利息收入                         3,274                    1.97                      -11.99
租赁利息收入                               986                    0.59                        9.19
其他收入                                 11,348                   6.82                       36.20
合      计                           166,385                  100.00                          8.79

       下表列出本集团营业收入地区分部的情况
                                                                                   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(%)
总行                       31,066                      9.60              15,258             -26.17
长三角地区                 17,970                      6.32              12,144              96.22
珠三角及海西地区            5,963                      4.50              4,384               42.15
环渤海地区                  7,573                  -17.14                1,227              -68.63
中部地区                    7,664                  -11.90                2,935               13.32
西部地区                    4,806                  -39.79                -3,141       上年同期为负
东北地区                    2,288                  -21.32                -1,302            -387.42
境外及附属机构              4,926                   12.90                2,659               -0.86
合      计                 82,256                   -2.13                34,164              -6.84
 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(总行本部及直属机构)
       (2)长三角地区:上海(不含总行本部)、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




                                                   7
2018 年半年度报告摘要



       3.2.2 利息净收入
       报告期内,本集团实现利息净收入 512.97 亿元,同比减少 5.06 亿元,下降 0.98%。

       下表列出所示期间本集团资产负债项目利息收支、平均收益和成本情况
                                                                             单位:人民币百万元
                                    本报告期                                上年同期
生息资产              平均余额    利息收入     平均收益率(%) 平均余额   利息收入     平均收益率(%)
贷款及垫款            3,270,080       86,145          5.31    2,951,008     73,267             5.01
投资                  1,715,400       36,791          4.33    1,877,586     35,549             3.82
存放中央银行款项        464,126       3,274           1.42      506,301      3,720             1.48
存拆放同业及其
                        332,990        5,178          3.14      376,628      4,910             2.63
他金融机构
其他金融资产             55,000        1,235          4.53       44,235      1,147             5.23
合计                  5,837,596     132,623           4.58    5,755,758    118,593             4.15


                                                                             单位:人民币百万元
                                    本报告期                                上年同期

计息负债              平均余额    利息支出     平均成本率(%) 平均余额   利息支出     平均成本率(%)

客户存款              3,130,810      28,636           1.84    3,049,965     23,537             1.56
同业及其他金融机
                      1,693,313       34,482          4.11    1,583,043     28,178             3.59
构存拆放款项
已发行债务证券          670,691       15,103          4.54      681,270     12,580             3.72
向中央银行借款          192,273        3,105          3.26      167,226      2,495             3.01
合计                  5,687,087       81,326          2.88    5,481,504     66,790             2.46


       3.2.2.1 利息收入

       报告期内,本集团实现利息收入 1,326.23 亿元,同比增加 140.30 亿元,增长 11.83%;
本集团加大了零售业务的发展力度,零售贷款利息收入 410.96 亿元,同比增加 91.05 亿元,
增幅 28.46%,平均收益率 6.45%,同比上升 0.57 个百分点。

       贷款及垫款利息收入
                                                                             单位:人民币百万元
                                    本报告期                                上年同期
                      平均余额    利息收入     平均收益率(%) 平均余额   利息收入   平均收益率(%)
公司贷款             1,852,839       42,032           4.57    1,795,783    40,398            4.54
零售贷款             1,285,778       41,096           6.45    1,096,801    31,991            5.88
票据贴现                131,463       3,017           4.63       58,424       878            3.03
       注:其中,一般性短期贷款平均收益率为 4.86%,中长期贷款平均收益率为 5.65%




                                                 8
2018 年半年度报告摘要




       投资利息收入

       报告期内,本集团投资利息收入为 367.91 亿元,同比上升 3.49%,投资平均收益率为
4.33%,同比上升了 0.51 个百分点。

       存拆放同业和其他金融机构往来业务利息收入

       报告期内,本集团存拆放同业和其他金融机构往来业务利息收入为 51.78 亿元,同比增
长 5.46%,存拆放同业和其他金融机构往来业务平均收益率为 3.14%,同比上升了 0.51 个百
分点。

       3.2.2.2 利息支出

       报告期内,本集团利息支出 813.26 亿元,同比增加 145.36 亿元,增长 21.76%。主要
是同业及其他金融机构存拆放款项利息支出增长所致。

       客户存款利息支出

       报告期内,本集团客户存款利息支出为 286.36 亿元,同比增长 21.66%,平均成本率 1.84%,
同比上升 0.28 个百分点。
       下表列出所示期间本集团公司存款及零售存款的平均余额、利息支出和平均成本率
                                                                              单位:人民币百万元
                            本报告期                                 上年同期
              平均余额    利息支出     平均成本率(%) 平均余额    利息支出       平均成本率(%)
公司客户
活期          1,226,473     5,155             0.85     1,228,578     4,423               0.73
定期          1,129,955     15,095            2.69     1,121,463     13,446              2.42
零售客户
活期            200,036       284             0.29       169,603       238               0.28
定期            403,053     6,305             3.15       307,373     3,776               2.48


       同业和其他金融机构存拆放款项利息支出

       报告期内,本集团同业和其他金融机构存拆放款项利息支出为 344.82 亿元,同比增长
22.37%,主要受同业资金规模和利率增长的影响。

       已发行债务证券利息支出

       报告期内,本集团已发行债务证券利息支出为 151.03 亿元,同比增长 20.06%。




                                               9
2018 年半年度报告摘要




     3.2.3 非利息净收入
     报告期内,本集团实现非利息净收入 309.59 亿元,同比下降 3.98%。占营业收入的比重
为 37.64%,下降了 0.72 个百分点。其中,手续费及佣金净收入 198.60 亿元,同比下降 17.78%,
其他非利息收益 110.99 亿元,同比增长 37.23%。
                                                                           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          19,860                  64.15      24,154                  74.91
其中:手续费及佣金收入      22,663                  73.20      26,257                  81.43
      手续费及佣金支出      -2,803                  -9.05      -2,103                  -6.52
投资损益                     9,382                  30.30       6,138                  19.04
公允价值变动损益             7,234                  23.37      -2,172                  -6.74
汇兑损益                    -7,477                 -24.15       2,160                   6.70
其他业务收入                 1,714                      5.54    1,271                   3.94
资产处置损益                        6                   0.02      579                   1.80
其他收益                        240                     0.77      112                   0.35
合    计                    30,959                 100.00      32,242                 100.00


     3.2.3.1 手续费及佣金收入

     报告期内,本集团手续费及佣金收入较上年同期减少,上半年实现收入226.63亿元,同
比减少35.94亿元,降幅13.69%。
                                                                           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(%)
银行卡手续费                10,697                  47.20       8,099                  30.85
托管及其他受托业务手续费     6,471                  28.55      11,766                  44.82
投行类业务手续费             1,602                      7.07    1,961                   7.47
信用承诺手续费               1,321                      5.83    1,233                   4.70
代理业务手续费               1,075                      4.74    1,070                   4.08
结算与清算手续费                490                     2.16      594                   2.25
其    他                     1,007                      4.45    1,534                   5.83
合    计                    22,663                 100.00      26,257                 100.00




                                                   10
2018 年半年度报告摘要


       3.2.3.2 投资损益

       报告期内,本集团实现投资收益93.82亿元,同比增加32.44亿元,增长52.85%。
                                                                                  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(%)
以公允价值计量且其变动计入当期
损益的金融资产
—基金投资                               5,026                53.57         不适用             不适用
—债券                                   1,228                13.09               828           13.49
—其他                                   1,069                11.39                   -                -
—指定以公允价值计量且其变动计
                                               -                     -          1,753           28.56
入当期损益的金融资产
以公允价值计量且其变动计入其他
综合收益的投资
—债券                                    182                  1.94         不适用             不适用
—股权投资                                  39                 0.42         不适用             不适用
—其他                                      98                 1.04         不适用             不适用
以摊余成本计量的投资                        24                 0.26         不适用             不适用
贵金属                                    211                  2.25             1,768           28.80
衍生金融工具                             1,429                15.23               772           12.58
按权益法核算的长期股权投资                  76                 0.81                   65         1.06
基金投资                             不适用                  不适用               348            5.67
可供出售股权                         不适用                  不适用               356            5.80
可供出售债权                         不适用                  不适用               140            2.28
应收款项类投资                       不适用                  不适用                   5          0.08
其他                                 不适用                  不适用               103            1.68
合       计                              9,382               100.00             6,138          100.00


       3.2.3.3 公允价值变动损益

       报告期内,本集团公允价值变动损益72.34亿元,同比增加94.06亿元。
                                                                                  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(%)
以公允价值计量且其变动计入当
                                    1,990                    27.51              345            -15.88
期损益的金融资产
衍生金融工具                        4,039                    55.83        -3,913               180.15
贵金属                              1,143                    15.80          -602                27.72
指定为以公允价值计量其变动计
                                           -                     -         1,907               -87.80
入当期损益的金融资产
被套期债券                                62                 0.86                91             -4.19
合       计                         7,234                   100.00        -2,172               100.00




                                                   11
2018 年半年度报告摘要


       3.2.4 业务及管理费用
       报告期内,本集团业务及管理费为199.71亿元,同比增长3.82%;成本收入比为24.28%,
同比上升1.39个百分点。
                                                                                  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(%)
员工工资、奖金、津贴和补贴           9,020                  45.17          8,844                  45.98
福利费                                    230                1.15               241                1.25
社会保险费                           1,557                   7.80          1,429                   7.43
住房公积金                                549                2.75               500                2.61
工会经费和职工教育经费                    180                0.90               182                0.95
租赁费                               1,550                   7.76          1,501                   7.80
折旧及摊销费                         1,491                   7.47          1,405                   7.30
电子设备运转及维护费                      362                1.81               402                2.09
其他                                 5,032                  25.19          4,732                  24.59
合       计                         19,971                 100.00         19,236                 100.00


       3.2.5 资产减值损失
       报告期内,本集团坚持严格不良贷款分类管理,着力夯实资产质量基础;贷款和垫款减
值损失为264.82亿元,同比下降0.78%。
                                                                                  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                       26,482                98.34         26,689               98.23
投资                                      454               1.69            860                  3.16
其他资产                                   -7              -0.03           -379               -1.39
合       计                          26,929                100.00        27,170              100.00


       3.2.6 所得税费用
       报告期内,本集团所得税费用 52.61 亿元,同比减少 29.68 亿元,下降 36.07%。
                                                                                  单位:人民币百万元

项       目                                          本报告期                         上年同期
税前利润                                                     34,161                         36,751
按适用税率计算之所得税                                        8,505                          9,160
不得抵扣的费用                                                      85                           81
免税收入                                                     -3,385                         -1,052
影响当期损益的以前年度所得税调整                                    56                           40
所得税费用                                                    5,261                          8,229




                                                12
2018 年半年度报告摘要



       3.3 资产负债表分析

       3.3.1 资产情况分析
       报告期末,本集团资产总额 60,917.59 亿元,比上年末减少 454.81 亿元,下降 0.74%。
                                                                              单位:人民币百万元

                                    2018 年 6 月 30 日                 2017 年 12 月 31 日
项      目
                                 金额            占比(%)           金额            占比(%)
客户贷款及垫款总额              3,345,637                54.92    3,194,600             52.05
减:贷款减值准备                 -100,714                -1.65      -90,747             -1.48
客户贷款及垫款净额              3,244,923                53.27    3,103,853             50.57
投资及其他金融资产              2,007,725                32.96    2,133,968             34.77
现金及存放央行款项                428,359                 7.03      486,531                  7.93
存拆放同业及其他金融机构
                                  184,635                 3.03      191,161                  3.11
款项
商誉                                6,981                  0.11       6,981                  0.11
其他                              219,136                  3.60     214,746                  3.51
合      计                      6,091,759                100.00   6,137,240            100.00


       3.3.1.1 客户贷款及垫款

       报告期末,本集团贷款及垫款总额为 33,456.37 亿元,比上年末增长 4.73%;贷款和垫
款总额占资产总额的比例为 54.92%,比上年末上升 2.87 个百分点。

       3.3.1.2 投资及其他金融资产

       报告期末,投资及其他金融资产总额 20,077.25 亿元,比上年末减少 1,262.43 亿元,
下降 5.92%。
                                                                              单位:人民币百万元

                                    2018 年 6 月 30 日                 2017 年 12 月 31 日
项      目
                                 金额            占比(%)           金额            占比(%)
以公允价值计量且其变动计
                                  349,591                17.41      162,866                  7.63
入当期损益的金融资产

以公允 价值 计量 且其 变动
                                  240,370                11.97       不适用            不适用
计入其他综合收益的投资
以摊余成本计量的投资            1,380,494                68.76       不适用            不适用
可供出售金融资产                   不适用                不适用     664,508             31.14
持有至到期投资                     不适用                不适用     444,726             20.84
应收款项类投资                     不适用                不适用     832,598             39.02
长期股权投资                        1,916                  0.10       1,006                  0.05
衍生金融资产                       35,354                 1.76       28,264                  1.32
合      计                      2,007,725                100.00   2,133,968            100.00




                                                13
2018 年半年度报告摘要



       以摊余成本计量的投资

       报告期末,由于本集团 2018 年 1 月 1 日起施行新金融工具准则,报表项目根据新金融
工具准则分类与计量相关要求列式,本集团持有以摊余成本计量的投资余额为 13,804.94
亿元。
                                                                              单位:人民币百万元

                                    2018 年 6 月 30 日                 2017 年 12 月 31 日
品      种
                                   余额        占比(%)              余额          占比(%)
债券                               919,131                66.58        不适用            不适用
资金信托计划及资产管理计划         455,690                33.01        不适用            不适用
其他债权工具                        12,788                 0.93        不适用            不适用
减值准备                            -7,115                -0.52        不适用            不适用
合      计                       1,380,494               100.00        不适用            不适用


       按发行主体分类列示的本集团债券投资总额构成
                                                                              单位:人民币百万元

                                     2018 年 6 月 30 日                2017 年 12 月 31 日
项      目
                                   金额           占比(%)          金额           占比(%)
中国财政部、地方政府、央行         433,455                47.16      不适用           不适用
政策性银行                         190,709                20.75      不适用           不适用
商业银行及其他金融机构              94,222                10.25      不适用           不适用
其他                               200,745                21.84      不适用           不适用
合      计                         919,131               100.00      不适用           不适用


       3.3.2 负债情况分析

       截至报告期末,本集团负债总额 56,443.40 亿元,比上年末减少 619.15 亿元,下降 1.09%。
                                                                              单位:人民币百万元

                                     2018 年 6 月 30 日                2017 年 12 月 31 日
项      目
                                   金额           占比(%)          金额           占比(%)
客户存款                         3,210,412                56.88   3,037,936             53.24
向中央银行借款                     191,615                 3.40     182,387              3.19
同业及其他金融机构存拆放款项     1,377,419                24.40   1,637,564             28.69
以公允价值计量的金融负债            46,416                 0.82      28,333              0.50
衍生金融负债                        33,529                 0.59      30,034              0.53
已发行债务证券                     651,017                11.53     686,296             12.03
其他                               133,932                 2.38     103,705              1.82
负债总额                         5,644,340            100.00      5,706,255           100.00




                                             14
2018 年半年度报告摘要



     客户存款构成

     截至报告期末,本集团客户存款总额 32,104.12 亿元,比上年末增加 1,724.76 亿元,
增长 5.68%。
                                                                                                 单位:人民币百万元

                                  2018 年 6 月 30 日                               2017 年 12 月 31 日
项       目
                               余额                      占比(%)              余额                   占比(%)
活期存款                       1,495,604                         46.59          1,470,640                    48.41
其中:公司存款                 1,281,895                         39.93          1,287,069                    42.37
         个人存款                213,709                          6.66            183,571                     6.04
定期存款                       1,474,398                         45.93          1,320,749                    43.47
其中:公司存款                 1,079,178                         33.62          1,017,498                    33.49
         个人存款                395,220                         12.31            303,251                     9.98
保证金存款                       194,370                          6.05            202,531                     6.67
国库存款                          40,118                          1.25             39,644                     1.31
其他存款                              5,922                       0.18                 4,372                  0.14
合       计                    3,210,412                      100.00            3,037,936                   100.00


     3.3.3 股东权益变动分析

     报告期末,本集团股东权益为 4,474.19 亿元,比上年末增长 3.81%。归属于母公司股
东权益为 4,408.55 亿元,比上年末增长 3.63%;未分配利润为 1,138.56 亿元,比上年末下
降 4.97%,主要是由于报告期内实现净利润以及施行新金融工具准则所致。
                                                                                                 单位:人民币百万元

                               其他权         资本         盈余       一般风   其他综     未分配        归属于母公司
项       目         股本
                               益工具         公积         公积       险准备   合收益       利润        股东权益合计
期初数              29,352     29,920         81,760       94,198     75,702   -5,335     119,807             425,404
新金融工具准
则对期初未分               -           -             -            -        -    3,015     -15,090             -12,075
配利润的影响
经重述期初未
                    29,352     29,920         81,760       94,198     75,702   -2,320     104,717             413,329
分配利润
本期增加                   -           -             -     15,519        151    2,717          9,139            27,526
期末数              29,352     29,920         81,760      109,717     75,853      397     113,856             440,855




                                                            15
2018 年半年度报告摘要




                                                                                     单位:人民币百万元

项     目                        2018 年 6 月 30 日         2017 年 12 月 31 日      比上年末增减(%)
股本                                      29,352                     29,352                       -
其他权益工具                              29,920                     29,920                       -
资本公积                                  81,760                     81,760                       -
其他综合收益                                 397                     -5,335                  不适用
盈余公积                                 109,717                     94,198                   16.47
一般风险准备                              75,853                     75,702                    0.20
未分配利润                               113,856                    119,807                   -4.97
归属于母公司股东权益合计                 440,855                    425,404                    3.63
少数股东权益                               6,564                         5,581                17.61
股东权益合计                             447,419                    430,985                    3.81


       3.4 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

                        2018 年 6 月   2017 年 12
项     目                                              增减(%)    报告期内变动的主要原因
                           30 日        月 31 日
拆出资金                    105,138        80,839           30.06   拆放境内非银行金融机构资金增加
买入返售金融资产               2,485       13,974          -82.22   买入返售债券规模下降
长期股权投资                   1,916        1,006           90.46   合营公司增资
以公允价值计量且其
变动计入当期损益的           46,416        28,333           63.82   代客贵金属卖空头寸增加
金融负债
卖出回购金融资产款           96,177       184,464          -47.86   卖出回购债券规模下降
应交税费                     13,932        20,034          -30.46   应交所得税减少
应付股利                                                            期末宣告但尚未发放的普通股股利增
                               2,949            14     20,964.29
                                                                    加
其他负债                     64,526        40,002           61.31   待划转款项增加
                                                                    新金融工具准则分类和计量期初转换
其他综合收益                     397       -5,335          不适用   影响,以公允价值计量且其变动计入权
                                                                    益的金融资产估值增加
以公允价值计量且其
变动计入当期损益的          349,591       162,866
金融资产
可供出售金融资产             不适用       664,508
持有至到期投资               不适用       444,726      公司自 2018 年 1 月 1 日起施行新金融工具准则,报
应收款项类投资               不适用       832,598      表项目根据新金融工具准则分类与计量相关要求列
以公允价值计量且其                                     示,不重述比较期数字
变动计入其他综合收          240,370        不适用
益的投资
以摊余成本计量的投
                          1,380,494        不适用



                                                      16
2018 年半年度报告摘要


预计负债                     4,293        不适用

项      目              本报告期       上年同期          增减(%) 报告期内变动的主要原因
手续费及佣金支出             2,803           2,103         33.29     银行卡手续费支出增加
投资损益                     9,382           6,138         52.85     基金投资净损益增加
公允价值变动损益             7,234         -2,172         不适用     市场波动导致衍生工具公允价值净增加
汇兑损益                    -7,477           2,160       -446.16     市场汇率波动,汇兑损益为负
其他业务收入                 1,714           1,271         34.85     票据买卖价差收益增加
资产处置损益                       6           579        -98.96     抵债资产处置损益减少
其他收益                       240             112        114.29     与日常经营活动相关的政府补助增加
营业外收入                     41              115        -64.35     其他营业外收入减少
所得税费用                   5,261           8,229        -36.07     免税收入增加
其他综合收益的税后                                                   以公允价值计量且其变动计入其他综合
                             2,719         -3,985         不适用
净额                                                                 收益的债务工具投资公允价值变动
经营活动支付的现金
                         -118,095        -256,026         不适用     客户贷款及垫款支付的现金减少
流量净额
筹资活动支付的现金
                          -49,780          -9,293         不适用     偿还债券及同业存单支付的现金增加
流量净额


       3.5 贷款质量分析
       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 689.91 亿元,比
上年末增加 4.72 亿元;不良贷款率为 2.06%,比上年末下降 0.08 个百分点;不良贷款的准
备金覆盖率达 146.52%,比上年末上升 14.08 个百分点;贷款拨备率(拨贷比)3.02%,比
上年末上升 0.18 个百分点。

       3.5.1 五级分类情况
                                                                                       单位:人民币百万元

五级分类                       2018 年 6 月 30 日             占比(%)             比上年末增减(%)
正常类                                 3,169,246               94.73                          4.90
关注类                                   107,400                   3.21                       2.40
次级类                                    28,196                   0.84                       8.13
可疑类                                    21,761                   0.65                     -18.98
损失类                                    19,034                   0.57                      22.15
合     计                              3,345,637              100.00                          4.73

                                                                                       单位:人民币百万元

分       类                    2018 年 6 月 30 日             占比(%)             比上年末增减(%)
重组贷款                                   1,263                   0.04                      67.51
逾期贷款                                  91,843                   2.75                       2.58

       注:重组贷款为原已减值或发生减值但相关合同条款已重新商定过的贷款。




                                                    17
     2018 年半年度报告摘要




              3.5.2 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 55.38%,比上年末下降 1.52 个百分点,个人贷款占比
     40.04%,比上年末上升 1.16 个百分点,票据贴现占比 4.58%,比上年末上升 0.36 个百分点。
                                                                                               单位:人民币百万元

                                       2018 年 6 月 30 日                                  2017 年 12 月 31 日
产品类型
                          贷款余额       不良贷款额 不良贷款率(%)          贷款余额         不良贷款      不良贷款率(%)
公司贷款                 1,852,708          52,688                  2.84    1,817,860            额
                                                                                                54,110               2.98
 一般企业贷款            1,800,672          52,624                  2.92    1,772,962           54,040               3.05
 贸易融资                     52,036             64                 0.12          44,898            70               0.16
票据贴现                     153,168              -                    -      134,609               30               0.02
 银行承兑汇票贴现             94,939              -                    -          98,611              -                 -
 转贴现                       57,252              -                    -          34,420              -                 -
 商业承兑汇票贴现               977               -                    -          1,578             30               1.90
零售贷款                 1,339,761          16,303                  1.22    1,242,131           14,379               1.16
 个人住房贷款                553,026         1,886                  0.34      505,135            1,838               0.36
 个人经营贷款                213,279         4,784                  2.24      187,209            4,773               2.55
 信用卡及透支                411,156         6,492                  1.58      418,347            5,526               1.32
 其他                        162,300         3,141                  1.94      131,440            2,242               1.71
总       计              3,345,637          68,991                  2.06    3,194,600           68,519               2.14


              3.5.3 按行业划分的贷款结构及贷款质量
                                                                                               单位:人民币百万元

                                                  2018 年 6 月 30 日                          2017 年 12 月 31 日

                                                      占总贷款        不良贷款率                   占总贷款      不良贷款率
                                          贷款余额                                   贷款余额
                                                      比例(%)         (%)                      比例(%)       (%)
企业贷款                                 1,852,708          55.38          2.84     1,817,860         56.90          2.98
租赁和商务服务业                           304,835           9.11          0.33       312,879             9.79       0.53
制造业                                     300,697           8.99          6.04       303,242             9.49       6.54
房地产业                                   268,956           8.04          0.63       277,054             8.67       0.53
批发和零售业                               226,196           6.76          9.62       262,569             8.22       7.57
水利、环境和公共设施管理业                 155,251           4.64          0.14       119,900             3.75       0.06
建筑业                                     130,477           3.90          1.30       126,382             3.96       1.20
交通运输、仓储和邮政业                     121,306           3.63          0.68       120,846             3.78       0.81
采矿业                                      76,748           2.29          4.98        76,505             2.39       6.85
金融业                                      70,066           2.09          0.02        14,778             0.46          -
电力、热力、燃气及水生产和供应业            61,339           1.83          1.15        61,298             1.92       0.97
信息传输、软件和信息技术服务业              33,980           1.02          2.13        32,447             1.02       1.85
农、林、牧、渔业                            28,307           0.85          5.38        29,765             0.93       5.97
科学研究和技术服务业                        20,068           0.60          0.62        18,980             0.59       0.70
文化、体育和娱乐业                          12,662           0.38          0.99        10,444             0.33       1.04
卫生和社会工作                              10,782           0.32            -         10,823             0.34       0.05
教育                                        10,560           0.31          0.12        10,395             0.33       0.14

                                                            18
   2018 年半年度报告摘要


住宿和餐饮业                             8,005          0.24      2.38          8,550        0.27           1.78
居民服务、修理和其他服务业               5,596          0.17      1.96        12,256         0.38           0.83
公共管理、社会保障和社会组织             4,984          0.15        -           7,306        0.23             -
其他                                     1,893          0.06        -           1,441        0.05             -
票据贴现                                153,168         4.58        -        134,609         4.22           0.02
银行承兑汇票贴现                         94,939         2.84        -         98,611         3.09             -
转贴现                                   57,252         1.71        -         34,420         1.08             -
商业承兑汇票贴现                            977         0.03        -           1,578        0.05           1.90
个人贷款                            1,339,761          40.04      1.22     1,242,131        38.88           1.16
总计                                3,345,637       100.00        2.06     3,194,600       100.00           2.14


           3.5.4 按地区划分的贷款结构
                                                                                     单位:人民币百万元

                                  2018 年 6 月 30 日                        2017 年 12 月 31 日
   地       区
                             账面余额             占比(%)          账面余额              占比(%)
   总行                          502,290                 15.01            535,413                   16.76
   长三角地区                    942,793                 28.18            855,652                   26.79
   珠三角及海西地区              322,862                  9.65            304,451                    9.53
   环渤海地区                    428,195                 12.80            404,193                   12.65
   中部地区                      440,188                 13.16            407,555                   12.76
   西部地区                      461,388                 13.79            451,520                   14.13
   东北地区                      165,551                  4.95            160,985                    5.04
   境外及附属机构                 82,370                  2.46              74,831                   2.34
   合       计                 3,345,637                 100.00          3,194,600                100.00


           3.5.5 担保方式分布情况
                                                                                     单位:人民币百万元

                                  2018 年 6 月 30 日                        2017 年 12 月 31 日
                             账面余额      比例   占比(%)          账面余额              占比(%)
   信用贷款                    1,160,809不良率           34.70           1,090,899                  34.15
   保证贷款                      733,494                 21.92            723,672                   22.65
   抵押贷款                    1,232,915                 36.85           1,180,094                  36.94
   质押贷款                      218,419                  6.53            199,935                    6.26
   合       计                 3,345,637                 100.00          3,194,600                100.00




                                                    19
2018 年半年度报告摘要




       3.5.6 贷款迁徙率情况

                               2018 年 1-6 月                      2017 年                          2016 年
项       目(%)
                          期末              平均            期末            平均           期末            平均
正常类贷款迁徙率               1.71             2.57          4.04             5.63              7.21          6.20
关注类贷款迁徙率              27.81          33.67           40.04            45.11          50.17            49.78
次级类贷款迁徙率              56.48          65.67           86.80            79.97          73.14            52.12
可疑类贷款迁徙率              31.10          28.24           38.47            53.02          67.56            59.07


       3.5.7 贷款损失准备计提情况
                                                                                                单位:人民币百万元

本集团                                                             2018 年 1-6 月                       2017 年度
2017 年 12 月 31 日和 2016 年 12 月 31 日余额                               90,747                        88,249
新金融工具准则的影响                                                        14,735                        不适用
2018 年 1 月 1 日和 2017 年 1 月 1 日余额                                  105,482                        88,249
本期/年计提                                                                 26,517                        52,799
本期/年核销                                                                -32,843                       -51,254
收回原核销贷款                                                               2,231                         2,760
因折现价值上升转回                                                            -719                        -1,438
其他转入/(转出)                                                                    -                              -
汇率变动                                                                        46                            -369
期末/年末余额                                                              100,714                        90,747
注:贷款减值准备金计提方法的说明:

       本集团结合前瞻性信息进行了预期信用损失评估。对预期信用损失的计量方法反映了以下各项要素:
通过评估一系列可能的结果而确定的无偏概率加权平均金额;货币的时间价值;在资产负债表日无须付出
不必要的额外成本或努力即可获得的有关过去事项、当前状况及对未来经济状况预测的合理且有依据的信
息。


       3.6 商业银行其他监管指标分析
       3.6.1 资本结构

       根据中国银保监会《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

                                             2018 年 6 月 30 日                         2017 年 12 月 31 日
项       目
                                            本集团                  本行               本集团                  本行
资本总额                                    521,912            511,862                 500,827             492,085
其中:核心一级资本                          413,113            404,267                 398,143             390,539
         其他一级资本                        30,252                29,920               30,225              29,920
         二级资本                            78,547                77,675               72,459              71,626
资本扣除项                                   9,376                 25,963               9,943               23,618
其中:核心一级资本扣减项                     9,376                 25,963               9,943               23,618
         其他一级资本扣减项                        -                    -                    -                        -
         二级资本扣减项                            -                    -                    -                        -

                                                       20
2018 年半年度报告摘要


资本净额                             512,536               485,899          490,884              468,467
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                                 -                   -                   -                   -
风险加权资产                       4,193,316           4,081,567          4,084,499            3,982,115
其中:信用风险加权资产             3,832,356           3,740,488          3,727,889            3,644,136
      市场风险加权资产                45,632                39,841              42,370            36,741
      操作风险加权资产               315,328               301,238          314,240              301,238
核心一级资本充足率(%)                    9.63                9.27              9.50                  9.21
一级资本充足率(%)                    10.35                10.00               10.24                  9.97
资本充足率(%)                        12.22                11.90               12.02                 11.76

注:(1)以上为根据中国银保监会《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)根据中国银保监会《关于商业银行资本构成信息披露的监管要求》,公司在官网(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:按照中国银保监会《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154.40亿元。


     3.6.2 杠杆率情况

     根据中国银保监会《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,本集团杠杆率为 6.42%,比 2017 年末上升 0.32 个百分点;本行杠杆率为
6.14%,比 2017 年末上升 0.27 个百分点。
                                                                                        单位:人民币百万元

                                      2018 年 6 月 30 日                        2017 年 12 月 31 日
项       目
                                  本集团                本行               本集团                本行
一级资本净额                       433,989               408,224           418,425              396,841
调整后的表内外资产余额           6,764,555             6,651,787         6,864,789            6,762,705
杠杆率(%)                           6.42                   6.14                6.10                 5.87

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

     3.6.3 流动性覆盖率信息
                                                                                        单位:人民币百万元

本集团                                                     2018 年 6 月 30 日
合格优质流动性资产                                                    668,606
现金净流出量                                                          555,280
流动性覆盖率(%)                                                      120.41




                                                  21
2018 年半年度报告摘要



       3.6.4 公司近三年其他监管财务指标

         项    目(%)          标准值   2018 年 6 月 30 日   2017 年 12 月 31 日   2016 年 12 月 31 日
               资本充足率       ≥10.5               11.90                 11.76                 11.37
《商业银行
               一级资本充足率    ≥8.5               10.00                  9.97                  9.02
资本管理办
法(试行)》   核心一级资本充
                                 ≥7.5                9.27                  9.21                  8.23
               足率
资产流动性     人民币            ≥25                53.22                 58.87                 37.67
比率           本外币合计        ≥25                51.40                 57.16                 37.05
拆借资金比     拆入资金比         ≤4                 3.08                  3.35                  2.01
例             拆出资金比         ≤8                 3.46                  2.75                  4.16
单一最大客户贷款比例             ≤10                 2.03                  2.13                  1.58
最大十家客户贷款比例             ≤50                13.96                 12.43                 10.93

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2018年底资本充足率的要求,资本充足率为10.5%,一级资本充足率为8.5%,核心一级资本充足率为
7.5%。


       四、涉及财务报告的相关事项
       4.1 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
       本次公司会计政策变更的依据是财政部 2017 年修订的下述企业会计准则:《企业会计
准则第 22 号——金融工具确认和计量》(以下简称“准则 22 号(修订)”)《企业会计准
则第 23 号—— 金融资产转移》 以下简称“准则 23 号(修订)”)《企业会计准则第 24
号——套期会计》(以下简称“准则 24 号(修订)”)《企业会计准则第 37 号—— 金融
工具列报》 以下简称“准则 37 号(修订)”)《企业会计准则第 14 号——收入》(以下
简称“准则 14 号(修订)”),于 2018 年 1 月 1 日起正式生效。
       根据准则 22 号(修订)、准则 23 号(修订)、准则 24 号(修订)、准则 37 号(修订)
的规定:持有金融资产的“业务模式”和“合同现金流量特征”作为金融资产分类的判断依
据,将金融资产分类为“以摊余成本计量的金融资产”、“以公允价值计量且其变动计入其
他综合收益的金融资产”和“以公允价值计量且其变动计入当期损益的金融资产”三类;金
融资产减值损失准备计提由“已发生损失法”改为“预期损失法”,且计提范围有所扩大;
金融资产转移的判断原则及其会计处理进一步明确;套期会计方面扩大了符合条件的被套期
项目和套期工具范围,以定性的套期有效性测试要求取代定量要求;引入套期关系“再平衡”
机制;金融工具披露要求相应调整。
       准则 14 号(修订)将现行收入和建造合同两项准则纳入统一的收入确认模型;以控制
权转移替代风险报酬转移作为收入确认时点的判断标准;对于包含多重交易安排的合同的会

                                                22
2018 年半年度报告摘要


计处理提供了更明确的指引;对于某些特定交易(或事项)的收入确认和计量给出了明确规
定。
    公司披露了新金融工具准则的实施导致报告期初集团归属于母公司股东权益合计减少
120.75 亿元,其中其他综合收益增加 30.15 亿元,期初未分配利润减少 150.90 亿元,主要
是采用预期信用损失模型计提减值准备导致。
    4.2 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
    4.3 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
    4.4 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: 高国富


                                    董事会批准报送日期:2018 年 8 月 28 日




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