凤凰网首页 手机凤凰网

凤凰卫视
  • [亚太] 上证指数 2319.12 (1.00%) 深证成指 9466.14 1.78% 恒生指数 19664.10 -1.06% 台北 7233.69 0.17% 韩国 1964.83 0.39%
  • [亚太] 日经 8841.22 -0.09% 澳大利亚 4348.48 0.45% 新西兰 3294.64 0.40% 印度孟买 17234.00 0.92% 新加坡 2916.26 0.75%
  • [美洲] 道琼斯 12660.50 -0.58% 纳斯达克 2816.55 0.40% 标普500 1316.33 -0.16% 加拿大 12466.50 0.02% 巴西 62904.20 -0.08%
  • [欧洲] 英国富时 5733.45 -1.07% 法国CAC 3318.76 -1.32% 德国DAX 6511.98 -0.43% 俄罗斯 1508.04 -0.44% Stoxx50 2436.62 -0.97%
  • [其他] 纽约原油 99.70 0.00% 纽约黄金 1738.40 0.00% 人民币/美元 6.33 0.00% 美元指数 78.83 0.00% 基金指数 3782.30 1.37%
  • [亚太] 上证指数 2319.12 (1.00%) 深证成指 9466.14 1.78% 恒生指数 19664.10 -1.06% 台北 7233.69 0.17% 韩国 1964.83 0.39%
  • [亚太] 日经 8841.22 -0.09% 澳大利亚 4348.48 0.45% 新西兰 3294.64 0.40% 印度孟买 17234.00 0.92% 新加坡 2916.26 0.75%
  • [美洲] 道琼斯 12660.50 -0.58% 纳斯达克 2816.55 0.40% 标普500 1316.33 -0.16% 加拿大 12466.50 0.02% 巴西 62904.20 -0.08%
  • [欧洲] 英国富时 5733.45 -1.07% 法国CAC 3318.76 -1.32% 德国DAX 6511.98 -0.43% 俄罗斯 1508.04 -0.44% Stoxx50 2436.62 -0.97%
  • [其他] 纽约原油 99.70 0.00% 纽约黄金 1738.40 0.00% 人民币/美元 6.33 0.00% 美元指数 78.83 0.00% 基金指数 3782.30 1.37%
免费注册
浦发银行(600000)公告正文

浦发银行:2018年年度报告摘要

公告日期 2019-03-26
股票简称:浦发银行 股票代码:600000
2018 年年度报告摘要




              上海浦东发展银行股份有限公司
                  2018 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 2019 年 3 月 22 日在上海召开第六届董事会第四十三次会议审议通过本报告,
傅帆董事因公务无法亲自出席会议,书面委托董事袁志刚代行表决权;其余董事亲自出席会
议并行使表决权。

     1.4 公司 2018 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 2018 年末普通股总股本 29,352,080,397
股为基数 ,向全体股东每 10 股派送现金股利 3.5 元人民币(含税),合计分配现金股利
人民币 102.73 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        谢   伟                        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           xiew2@spdb.com.cn              yanggp@spdb.com.cn、wur2@spdb.com.cn




                                              1
         2018 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 主要会计数据和财务指标

                                                                                单位:人民币百万元
                                                 2018 年      2017 年        本期比上年         2016 年
                                                  审计数      审计数       同期增减(%)        审计数
主要会计数据
营业收入                                         171,542      168,619                  1.73     160,779
利润总额                                           65,284      69,828                 -6.51       69,975
归属于母公司股东的净利润                           55,914      54,258                  3.05       53,099
归属于母公司股东的扣除非经常性损益的净利润         55,643      54,046                  2.95       51,687
经营活动产生的现金流量净额                       -338,360    -140,673                不适用     -191,993
主要财务指标
基本每股收益(元/股)                                1.85        1.84                  0.54           1.85
稀释每股收益(元/股)                                1.85        1.84                  0.54           1.85
扣除非经常性损益后的基本每股收益(元/股)            1.84        1.83                  0.55           1.80
加权平均净资产收益率(%)                          13.14        14.45    下降 1.31 个百分点          16.35
扣除非经常性损益后的加权平均净资产收益率(%)      13.08        14.39    下降 1.31 个百分点          15.90
每股经营活动产生的现金流量净额(元/股)            -11.53       -4.79                不适用          -6.83
盈利能力指标(%)
平均总资产收益率                                     0.91        0.92     下降 0.01 个百分点          0.98
全面摊薄净资产收益率                               12.27        13.28     下降 1.01 个百分点         15.20
扣除非经常性损益后全面摊薄净资产收益率             12.21        13.23     下降 1.02 个百分点         14.78
净利差                                               1.87        1.75     上升 0.12 个百分点          1.89
净利息收益率                                         1.94        1.86     上升 0.08 个百分点          2.03
成本收入比                                         25.12        24.34     上升 0.78 个百分点         23.16
现金分红比例                                       18.37         5.41    上升 12.96 个百分点          8.14
占营业收入百分比(%)
利息净收入比营业收入                               65.20        63.40     上升 1.80 个百分点         67.25
非利息净收入比营业收入                             34.80        36.60     下降 1.80 个百分点         32.75
手续费及佣金净收入比营业收入                       22.74        27.03     下降 4.29 个百分点         25.31
                                                2018 年末    2017 年末      本期末比上年       2016 年末
                                                  审计数      审计数      同期末增减(%)       审计数
规模指标
资产总额                                        6,289,606   6,137,240                  2.48    5,857,263
其中:贷款总额                                  3,549,205   3,194,600                 11.10    2,762,806
负债总额                                        5,811,226   5,706,255                  1.84    5,484,329
其中:存款总额                                  3,227,018   3,037,936                  6.22    3,002,015
归属于母公司股东的净资产                         471,562      425,404                 10.85     367,947
归属于母公司普通股股东的净资产                   441,642      395,484                 11.67     338,027
归属于母公司普通股股东的每股净资产(元/股)          15.05        13.47                 11.73          12.03
资产质量指标(%)

                                                    2
      2018 年年度报告摘要


不良贷款率                                              1.92              2.14      下降 0.22 个百分点           1.89
贷款减值准备对不良贷款比率                            154.88         132.44        上升 22.44 个百分点        169.13
贷款减值准备对贷款总额比率                              2.97              2.84      上升 0.13 个百分点           3.19

      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、2018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净资产收益率时,公司考虑了两期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
      6 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。
      (9)成本收入比=业务及管理费/营业收入。
      (10)贷款总额为企业贷款、个人贷款及票据贴现本金余额的合计数,存款总额为企业存款、个人存款和
      其他存款本金余额的合计数。
      (11)公司于2018年1月1日起执行修订后的《企业会计准则第22号——金融工具确认和计量》、《企业会计
      准则第23号——金融资产转移》、《企业会计准则第24号——套期会计》以及《企业会计准则第37号——金
      融工具列报》(以下简称“新金融工具准则”)。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,具体参见“4.1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”。
      (12)公司从2018年1月1日起的会计年度根据财政部《关于修订印发2018年度金融企业财务报表格式的通
      知》(财会[2018]36号)的规定,采用修订后的金融企业财务报表格式编制财务报表,不重述前期可比数据,
      具体参见“4.2会计报表列报格式变更具体情况及影响”。


             2.1.2 本集团 2018 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                                39,629              42,627              44,853         44,433
      利润总额                                17,106              17,055              16,732         14,391
      归属于母公司股东的净利润                14,305              14,264              14,638         12,707
      归属于母公司股东的扣除非
                                              14,266              14,166              14,602         12,609
      经常性损益后的净利润
      经营活动产生的现金流量净额             -48,725             -69,370            -243,984         23,719

                                                        3
2018 年年度报告摘要



       2.1.3 非经常性损益项目和金额
                                                                                   单位:人民币百万元
项       目                                      2018 年度             2017 年度          2016 年度
非流动资产处置损益                                      51                  516                   -13
政府补助                                               515                  488                   320
其他营业外净收入                                       -59                 -447              1,658
非经常性损益的所得税影响数                             -147                -269                  -491
合       计                                            360                  288              1,474
其中:归属于母公司股东的非经常性损益                   271                  212              1,412
         归属于少数股东的非经常性损益                   89                   76                    62


       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)                                                                190,753
年度报告披露日前上一月末的普通股股东总数(户)                                                  185,074
前十名股东持股情况
                                                                                                  质押
                                                                         比 例     持有有限售
股东名称                            报告期内增减       期末持股数量                               或冻
                                                                         (%)     条件股份数量
                                                                                                  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                + 91,015,308   1,307,994,759       4.46              -          -
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              -          -




                                                 4
2018 年年度报告摘要




    2.3 前十名优先股股东情况表

    2.3.1 优先股股东总数

                                          代码        简称              股东总数(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
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                                    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




                                                 5
2018 年年度报告摘要



    3 经营情况讨论与分析

    3.1 本集团整体经营情况

    面对错综复杂的形势,本集团深入贯彻落实党的十九大、全国金融工作会议和中央经济
工作会议精神,聚焦一流数字生态银行战略目标,攻坚克难、砥砺前行,实现了“稳中有进、
进中有质”的发展态势。

    “调结构、保收入、强管理、降风险”等主要工作均取得明显成效,主要表现在:

    盈利稳步增长
    报告期内本集团保持营业收入、净利润双增长。实现营业收入 1,715.42 亿元,比上年
增加 29.23 亿元,同比增长 1.73%;实现利润总额 652.84 亿元,比上年减少 45.44 亿元,
同比下降 6.51%;税后归属于母公司股东的净利润 559.14 亿元,比上年增加 16.56 亿元,
同比增长 3.05%。2018 年,平均总资产收益率(ROA)为 0.91%,比上年下降了 0.01 个百分
点;加权平均净资产收益率(ROE)为 13.14%,比上年下降了 1.31 个百分点。成本收入比
率为 25.12%,比上年上升 0.78 个百分点。

    资产负债结构持续优化
    报告期,本集团在资产负债经营中确立“对公调结构、抓负债”、“零售提收益、增存
款”、“资金去杠杆、增税盾”总体策略。报告期末,本集团资产总额为 62,896.06 亿元,
比上年末增加 1,523.66 亿元,增长 2.48%;其中,本外币贷款总额为 35,492.05 亿元,比
上年末增加 3,546.05 亿元,增长 11.10%。本集团负债总额 58,112.26 亿元,增长 1.84%;
其中,本外币存款总额为 32,270.18 亿元,比上年末增加 1,890.82 亿元,增长 6.22%。零
售存款总额为 6,478.74 亿元,比上年末增长 1,594.41 亿元。

    资产质量显著好转
    报告期内,本集团紧紧围绕风险化解目标,通过强化风险制度、政策与授信管理,促进
信贷结构优化,夯实风险管理基础,提升全面风险管理能力。通过抓住关键、聚焦重点分行、
重点项目、重点领域,全力推进风险化解,实现不良双降、逾期双降、信贷风险资产下降。
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 681.43 亿元,比上年
末减少 3.76 亿元;不良贷款率为 1.92%,比上年末下降 0.22 个百分点;不良贷款的准备金
覆盖率达 154.88%,比上年末上升 22.44 个百分点;贷款拨备率(拨贷比)2.97%,比上年
末上升 0.13 个百分点。

    集团化、国际化经营能力提升
    报告期内,集团协同规模同比增长较快,主要投资企业经营整体良好,合计实现营收
82.79 亿元、净利润 30.81 亿元。香港分行市场影响力进一步提升,新加坡分行打造大宗商
品服务特色,伦敦分行顺利开业,助力集团实现跨欧亚、跨时区经营。




                                          6
2018 年年度报告摘要



       3.2 利润表分析
       报告期内,本集团各项业务持续发展,生息资产规模提升,成本收入比继续保持较低水
平,实现营业收入 1,715.42 亿元,同比增加 29.23 亿元,增长 1.73%;实现归属于母公司
股东的净利润 559.14 亿元,同比增长 3.05%。
                                                                          单位:人民币百万元
项       目                          2018年度             2017年度                变动额
营业收入                             171,542                  168,619              2,923
--利息净收入                         111,844                  106,912              4,932
--手续费及佣金净收入                  39,009                  45,580              -6,571
--其他净收入                          20,689                  16,127               4,562
营业支出                             106,199                  98,344               7,855
--税金及附加                           1,852                    1,610                242
--业务及管理费                        43,094                  41,047               2,047
--信用资产减值损失及其他资产
                                       60,420                  55,285              5,135
减值损失
--其他业务成本                           833                      402                431
营业外收支净额                           -59                    -447                 388
利润总额                              65,284                  69,828              -4,544
所得税费用                             8,769                  14,826              -6,057
净利润                                56,515                  55,002               1,513
归属于母公司股东的净利润              55,914                  54,258               1,656
少数股东损益                             601                      744               -143
注:
(1)利息净收入增加的原因是:报告期内生息资产规模持续增加。
(2)手续费及佣金净收入减少的原因是:报告期内托管及其他受托业务手续费收入减少。
(3)所得税费用减少的原因是:报告期内免税收入增加。


       3.2.1 营业收入

       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(%)          2017 年(%)         2016 年(%)
利息净收入                             65.20                    63.40              67.25
手续费及佣金净收入                     22.74                    27.03              25.31
其他净收入                             12.06                     9.57               7.44
合       计                           100.00                   100.00             100.00




                                                7
 2018 年年度报告摘要




        报告期内,本集团实现业务总收入 3,343.82 亿元,同比增加 216.64 亿元,增长 6.93%。

        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                             179,426                 53.66                 17.21
 投资利息收入                               68,006                20.34                 -7.41
 手续费及佣金收入                           46,205                13.82                 -9.00
 存拆放同业和其他金融机构往来业
                                            10,575                 3.16                 12.48
 务利息收入
 存放央行利息收入                           6,806                  2.03                 -9.60
 租赁利息收入                               2,071                  0.62                  9.06
 其他收入                                   21,293                 6.37                 28.39
 合      计                               334,382                100.00                  6.93


        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                    67,999                     9.84           30,553               -34.33
 长三角地区              36,528                  12.52             22,035                65.70
 珠三角及海西地区        11,641                     3.15            7,801                 2.89
 环渤海地区              14,989                -13.11                 225               -95.65
 中部地区                15,644                  -6.81              7,483                57.54
 西部地区                10,451                -27.54              -5,731         上年同期为负
 东北地区                 4,585                -16.68              -2,277         上年同期为负
 境外及附属机构           9,705                     7.82            5,254                 0.90
 合      计             171,542                     1.73           65,343                -7.02
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




                                                    8
  2018 年年度报告摘要



       3.2.2 利息净收入
       报告期内,集团实现利息净收入 1,118.44 亿元,同比增加 49.32 亿元,增长 4.61%。

       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
                                     2018 年度                                   2017 年度
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              3,359,630     179,426           5.34       3,016,910     153,081            5.07
投资                    1,563,222      68,006           4.35       3,016,910      73,449            4.00
存放中央银行款项          451,095       6,806           1.51       1,837,266       7,529            1.48
存拆放同业及其他金
                          338,976      10,575           3.12         334,334       9,402            2.81
融机构
其他金融资产               57,048       2,675           4.69          50,410       2,357            4.68
合计                    5,769,971     267,488           4.64       5,746,915     245,818            4.28


                                                                                    单位:人民币百万元
                                     2018 年度                                    2017 年度
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                3,168,364      61,014           1.93       3,071,322      48,877            1.59
同业及其他金融机构
                        1,535,071      58,108           3.79       1,593,853      58,895            3.70
存拆放款项
已发行债务证券            705,096      29,788           4.22         656,068      25,795            3.93
向中央银行借款            204,731       6,734           3.29         172,526       5,339            3.09
合计                    5,613,262     155,644           2.77       5,493,769     138,906            2.53


         3.2.2.1 利息收入
         报告期内,集团实现利息收入 2,674.88 亿元,同比增加 216.70 亿元,增长 8.82%;零
  售贷款利息收入 855.60 亿元,比上年度增加 160.58 亿元,增幅 23.10%,平均收益率 6.35%,
  比上年度上升 0.31 个百分点。


         贷款及垫款利息收入
                                                                                   单位:人民币百万元
                                     2018 年度                                    2017 年度
                        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                1,835,441     85,927            4.68        1,794,579      81,025         4.51
零售贷款                1,346,459     85,560            6.35        1,151,067      69,502         6.04
票据贴现                 177,730       7,939            4.47           71,264       2,554         3.58
  注:其中,一般性短期贷款平均收益率为 4.90%,中长期贷款平均收益率为 5.72%


         投资利息收入
         报告期内,本集团投资利息收入为 680.06 亿元,比上年下降 7.41%,投资平均收益率
  为 4.35%,比上年上升了 0.35 个百分点。


                                                   9
2018 年年度报告摘要




       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 105.75 亿元,比上
年增长 12.48%,存拆放同业和其他金融机构往来业务平均收益率为 3.12%,比上年上升了
0.31 个百分点。

       3.2.2.2 利息支出
       报告期内,本集团利息支出 1,556.44 亿元,同比增加 167.38 亿元,增长 12.05%。主
要是客户存款利息支出增长所致。

       客户存款利息支出
       报告期内,本集团客户存款利息支出为 610.14 亿元,比上年增长 24.83%,平均成本率
1.93%,比上年上升 0.34 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
                            2018 年度                                          2017 年度
               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           1,218,097     10,978                 0.90        1,249,996          9,495                0.76

定期           1,166,323     32,279                 2.77        1,123,060          27,079               2.41

零售客户
活期             204,151       590                  0.29         174,621             498                0.29
定期             379,287     13,681                 3.61         306,751           8,326                2.71


       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 581.08 亿元,比上年下
降 1.34%。

       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 297.88 亿元,比上年增长 15.48%。

       3.2.3 非利息净收入
       报告期内,实现非利息净收入 596.98 亿元,比上年下降 3.26%。占营业收入的比重为
34.80%,下降了 1.80 个百分点。其中,手续费及佣金净收入 390.09 亿元,下降 14.42%,
其他非利息收益 206.89 亿元,增长 28.29%。
                                                                                            单位:人民币百万元
                                        2018 年度                                    2017 年度
项      目
                                金额              占比(%)                 金额                 占比(%)
手续费及佣金净收入              39,009                65.35                 45,580                   73.86
其中:手续费及佣金收入          46,205                77.40                 50,773                   82.28
        手续费及佣金支出        -7,196               -12.05                 -5,193                   -8.42
投资损益                        14,765                24.73                 13,585                   22.02
公允价值变动损益                      798                1.34               -3,797                   -6.15
汇兑损益                         1,155                   1.93                2,723                    4.41
其他业务收入                     3,405                   5.70                2,612                    4.23
                                                    10
2018 年年度报告摘要


资产处置损益                        51                      0.09               516                    0.84
其他收益                            515                     0.86               488                    0.79
合       计                      59,698                100.00               61,707                  100.00

       3.2.3.1 手续费及佣金收入
       报告期内,集团实现手续费及佣金收入462.05亿元,比上年下降45.68亿元,下降9.00%。
                                                                                          单位:人民币百万元
                                          2018 年度                                  2017 年度
项       目
                                 金额              占比(%)                金额                 占比(%)
银行卡手续费                     23,390                 50.62               17,717                    34.89
托管及其他受托业务手续费         12,831                 27.77               21,051                    41.46
投行类业务手续费                  3,048                     6.60             3,521                     6.94
信用承诺手续费                    2,276                     4.93             2,311                     4.55
代理业务手续费                    1,883                     4.07             1,700                     3.35
结算与清算手续费                  1,020                     2.21             1,201                     2.37
其       他                       1,757                     3.80             3,272                     6.44
合       计                      46,205                100.00               50,773                  100.00

       3.2.3.2 投资损益
       报告期内,本集团实现投资收益147.65亿元,比上年增长8.69%。
                                                                                          单位:人民币百万元
                                                  2018 年度                               2017 年度
项       目
                                          金额                占比(%)            金额            占比(%)
交易性金融资产
——基金投资                                 8,874                 60.10             不适用            不适用
——债券                                     2,273                 15.40             不适用            不适用
——资金信托计划及资产管理计划               2,106                 14.26             不适用            不适用
债权投资                                         -22               -0.15             不适用            不适用
其他债权投资
——债券                                         150                 1.02            不适用            不适用
——资金信托计划及资产管理计划                   211                 1.43            不适用            不适用
其他权益工具投资                                  40                 0.27            不适用            不适用
贵金属                                        -641                 -4.34              1,508             11.10
衍生金融工具                                 1,610                 10.90                  859            6.32
按权益法核算的长期股权投资                       164                 1.11                  97            0.71
基金投资                                    不适用                 不适用             4,537             33.40
以公允价值计量且其变动计入当期
                                            不适用                 不适用             1,360             10.01
损益的金融资产
指定以公允价值计量且其变动计入
                                            不适用                 不适用             4,278             31.49
当期损益的金融资产
可供出售股权                                不适用                 不适用                 480            3.53
可供出售债权                                不适用                 不适用                  96            0.71
应收款项类投资                              不适用                 不适用                  51            0.38
其他                                        不适用                 不适用                 319            2.35
合       计                                 14,765                 100.00            13,585            100.00

                                                       11
2018 年年度报告摘要



       3.2.3.3 公允价值变动损益
                                                                            单位:人民币百万元
                                          2018 年度                         2017 年度
项       目
                                  金额              占比(%)     金额            占比(%)
衍生金融工具                       -1,887              -236.47      -4,912               129.36

贵金属                               -573               -71.80        -566                14.91
交易性金融资产                      3,155               395.36      不适用               不适用

以公允价值计量且其变动计入当
                                   不适用               不适用        -250                 6.58
期损益的金融资产
指定为以公允价值计量且其变动
                                   不适用               不适用       1,885               -49.64
计入当期损益的金融资产
被套期债券                               103             12.91             46             -1.21
合       计                              798            100.00      -3,797               100.00


       3.2.4 业务及管理费用
       报告期内,业务及管理费为430.94亿元,同比增长4.99%;成本收入比为25.12%,比上
年增加0.78个百分点。
                                                                            单位:人民币百万元
                                          2018 年度                        2017 年度
项       目
                                  金额              占比(%)     金额            占比(%)
员工工资、奖金、津贴和补贴         19,137                44.41      18,238                44.43
福利费                                   592              1.37           647               1.58
社会保险费                          3,387                 7.86       2,967                 7.23
住房公积金                          1,105                 2.56       1,056                 2.57
工会经费和职工教育经费                   422              0.98           388               0.95
租赁费                              2,995                 6.95       2,957                 7.20
折旧及摊销费                        3,326                 7.72       2,933                 7.15
电子设备运转及维护费                     760              1.76           921               2.24
其他                               11,370                26.39      10,940                26.65
合       计                        43,094               100.00      41,047               100.00

       3.2.5 信用减值损失及其他资产减值损失
       报告期内,本集团推进风险处置化解,贷款和垫款减值损失为583.83亿元,比上年增长
10.58%。
                                                                            单位:人民币百万元
                                           2018 年度                        2017 年度
项      目
                                   金额               占比(%)    金额           占比(%)
发放贷款和垫款                    58,383                 96.63    52,799                95.50
投资                                 870                  1.44    1,706                  3.09
其他资产                           1,167                  1.93      780                  1.41
合      计                        60,420                100.00    55,285               100.00




                                               12
2018 年年度报告摘要




       3.2.6 所得税费用
       报告期内,所得税费用 87.69 亿元,比上年减少 60.57 亿元,下降 40.85%。
                                                                                       单位:人民币百万元
项      目                                                 2018 年度                          2017 年度
税前利润                                                       65,284                          69,828
按适用税率计算之所得税                                         16,289                          17,411
不得抵扣的费用                                                       302                          533
免税收入                                                       -7,878                          -3,158
影响当期损益的以前年度所得税调整                                      56                           40
所得税费用                                                       8,769                         14,826


       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 62,896.06 亿元,比上年末增加 1,523.66 亿元,增长 2.48%。
                                                                                       单位:人民币百万元
                                     2018 年 12 月 31 日                              2017 年 12 月 31 日
项      目
                                金额                 占比(%)                金额            占比(%)
贷款总额                      3,549,205                    56.43           3,194,600             52.05
贷款应计利息                        11,705                    0.19            不适用            不适用
减:贷款减值准备               -105,421                    -1.68             -90,747             -1.48
金融投资                      1,922,815                    30.57           2,104,698             34.29
长期股权投资                         1,968                    0.03             1,006              0.02
衍生金融资产                        43,274                    0.69            28,264              0.46
现金及存放央行款项                 443,723                    7.05           486,531              7.93
存拆放同业及其他金融机构
                                   248,108                    3.95           191,161              3.11
款项
商誉                                 6,981                    0.11             6,981              0.11
其他                               167,248                    2.66           214,746              3.51
合      计                    6,289,606                    100.00          6,137,240            100.00


       3.3.1.1 客户贷款
       报告期末,本集团贷款总额为 35,492.05 亿元,比上年末增长 11.10%;贷款总额占资
产总额的比例为 56.43%,比上年末增长 4.38 个百分点。

       3.3.1.2 金融投资
                                                                                       单位:人民币百万元
                                        2018 年 12 月 31 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
                                       不适用              不适用           162,866               7.74
 入当期损益的金融资产
 交易性金融资产                       395,668              20.58             不适用             不适用
 债权投资                           1,144,249              59.51             不适用             不适用
 其他债权投资                         378,860              19.70             不适用             不适用

                                                13
 2018 年年度报告摘要


     其他权益工具投资                4,038           0.21             不适用             不适用
     可供出售金融资产               不适用        不适用             664,508             31.57
     持有至到期投资                 不适用        不适用             444,726             21.13
     应收款项类投资                 不适用        不适用             832,598             39.56
 合       计                     1,922,815        100.00           2,104,698             100.00

        交易性金融资产
        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,本集团持有交易性金融资产余额为 3,956.68 亿元。

        债权投资
        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,本集团持有债权投资余额为 11,442.49 亿元。
                                                                               单位:人民币百万元
                                                                   2018 年 12 月 31 日
 品       种
                                                               余额                 占比(%)
 债券                                                          841,663                      73.56
 资金信托计划及资产管理计划                                    285,576                      24.96
 其他债权工具                                                       9,650                    0.84
 应计利息                                                       14,863                       1.30
 减值准备                                                       -7,503                      -0.66
 合       计                                                 1,144,249                     100.00

        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 12 月 31 日
项      目
                                                            金额                   占比(%)
中国财政部、地方政府、央行                                    455,516                      54.12
政策性银行                                                    194,088                      23.06
商业银行及其他金融机构                                         45,862                       5.45
其他                                                          146,197                      17.37
债券投资合计                                                  841,663                     100.00


        3.3.1.3 商誉


        依据中国企业会计准则的规定,报告期末,本集团对收购上海信托形成的商誉进行了减
 值测试。在进行商誉减值测试时,本集团将相关资产或资产组组合(含商誉)的账面价值与其
 可收回金额进行比较,如果可收回金额低于账面价值,相关差额计入当期损益。资产组和资
 产组组合的可收回金额是依据管理层批准的五年期预算,采用现金流量预测方法计算,超过
 五年期的现金流量采用估计的增长率作出推算。相应的资产组包含上海信托国际有限公司、
 上投摩根基金管理有限公司、上海国利货币经纪有限公司、上信资产管理有限公司。经减值
 测试,确定报告期不需计提减值准备,报告期末,商誉账面价值为 69.81 亿元。




                                             14
2018 年年度报告摘要




       3.3.2 负债情况分析
       截至报告期末,本集团负债总额 58,112.26 亿元,比上年末增加 1,049.71 亿元,增长
1.84%。
                                                                                                   单位:人民币百万元
                                                 2018 年 12 月 31 日                        2017 年 12 月 31 日
项       目
                                                金额                占比(%)             金额             占比(%)
存款总额                                   3,227,018                       55.53     3,037,936                53.24
存款应付利息                                    26,297                      0.45          不适用             不适用
向中央银行借款                                 221,003                      3.80       182,387                 3.19
同业及其他金融机构存拆放款项               1,335,955                       22.99     1,637,564                28.69
交易性金融负债                                  34,912                      0.60          28,333               0.50
衍生金融负债                                    42,793                      0.74          30,034               0.53
已发行债务证券                                 841,440                     14.48       686,296                12.03
其他                                            81,808                      1.41       103,705                 1.82
负债总额                                   5,811,226                   100.00        5,706,255               100.00

       存款总额构成
                                                                                                   单位:人民币百万元
                                   2018 年 12 月 31 日                                2017 年 12 月 31 日
项       目
                                余额                      占比(%)                余额                   占比(%)
活期存款                        1,464,038                          45.37            1,537,937                     50.63
其中:企业存款                  1,244,437                          38.56            1,353,271                     44.55
         个人存款                 219,601                           6.81              184,666                      6.08
定期存款                        1,759,075                          54.51            1,495,627                     49.23
其中:企业存款                  1,330,802                          41.24            1,191,860                     39.23
         个人存款                 428,273                          13.27              303,767                     10.00
其他存款                               3,905                        0.12                  4,372                    0.14
合       计                     3,227,018                      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 4,783.80 亿元,比上年末增长 11.00%。归属于母公司股
东权益为 4,715.62 亿元,比上年末增长 10.85%;未分配利润为 1,402.08 亿元,比上年末
增长 17.03%,主要是由于报告期内实现净利润以及利润分配所致。
                                                                                                   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
准则对年初
                     -                 -              -            -           -    3,015    -15,090            -12,075
未分配利润
的影响
经重述期初
                    29,352     29,920      81,760           94,198     75,702      -2,320    104,717            413,329
未分配利润
本期增加                   -           -              -     15,519           244    6,979        35,491           58,233
期末数              29,352     29,920      81,760          109,717     75,946       4,659    140,208            471,562

                                                             15
2018 年年度报告摘要




                                                                                     单位:人民币百万元
项      目                    2018 年 12 月 31 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                               4,659                     -5,335                  不适用
盈余公积                                 109,717                     94,198                   16.47
一般风险准备                              75,946                     75,702                    0.32
未分配利润                               140,208                  119,807                     17.03
归属于母公司股东权益合计                 471,562                  425,404                     10.85
少数股东权益                               6,818                      5,581                   22.16
股东权益合计                             478,380                  430,985                     11.00


       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
项      目                 2018 年末      2017 年末      增减(%)    报告期内变动的主要原因
拆出资金                    142,251          80,839          75.97    拆放境内非银行金融机构资金增加
衍生金融资产                 43,274          28,264          53.11    公允价值估值变化所致
长期股权投资                  1,968           1,006          95.63    合营公司增资
无形资产                      9,962           3,299         201.97    土地使用权增加
衍生金融负债                  42,793         30,034          42.48    公允价值估值变化所致
卖出回购金融资产款          119,564         184,464         -35.18    卖出回购债券规模下降
                                                                      职工薪酬计提与发放存在时滞,期
应付职工薪酬                 10,487           7,911          32.56
                                                                      末计提尚未发放的职工薪酬增加
                                                                      新金融工具准则分类和计量期初转
其他综合收益                  4,659          -5,335         不适用
                                                                      换影响,债券投资估值增加
以公允价值计量且其
变动计入当期损益的            不适用        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,
应收款项类投资                不适用        832,598     报表项目根据新金融工具准则分类与计量相关要
交易性金融资产              395,668          不适用     求以及财政部于 2018 年 12 月发布的《关于修订印
债权投资                   1,144,249         不适用     发 2018 年度金融企业财务报表格式的通知》(财会
其他债权投资                378,860          不适用     [2018]36 号)进行列示,不重述比较期数字
其他权益工具投资              4,038          不适用
应收利息                      不适用         31,094
应付利息                      不适用         35,064
预计负债                      4,747          不适用


项      目            2018 年度        2017 年度    增减(%) 报告期内变动的主要原因
手续费及佣金支出            7,196          5,193        38.57   银行卡手续费支出增加


                                                   16
2018 年年度报告摘要


其他业务收入               3,405        2,612           30.36    票据买卖价差收益增加
资产处置损益                 51           516          -90.12    抵债资产处置损益减少
其他业务成本                 833          402          107.21    票据买卖价差损失增加
营业外收入                   104          197          -47.21    其他营业外收入减少
营业外支出                   163          644          -74.69    处罚罚款减少
所得税费用                 8,769       14,826          -40.85    免税收入增加
其他综合收益的税
                           6,983       -5,572          不适用    债券投资估值增加
后净额
经营活动支付的现
                        -338,360    -140,673           不适用    偿还同业负债支付的现金增加
金流量净额
投资活动产生的现
                         257,889       37,800          582.25    投资净收回的现金增加
金流量净额
筹资活动产生的现
                         117,903        4,820      2,346.12      发行债券及同业存单收到的现金净增加
金流量净额
公允价值变动损益             798       -3,797      公司自 2018 年 1 月 1 日起施行新金融工具准则,报
汇兑损益                   1,155        2,723      表项目根据新金融工具准则分类与计量相关要求以
资产减值损失              不适用       55,285      及财政部于 2018 年 12 月发布的《关于修订印发 2018
信用减值损失              60,417       不适用      年度金融企业财务报表格式的通知》(财会[2018]36
其他资产减值损失               3       不适用      号)进行列示,不重述比较期数字




     3.5 贷款质量分析
    报告期内,公司积极推进风险处置化解,资产质量指标显著好转;强化风险制度、政
策与授信管理,促进信贷结构优化,夯实风险管理基础,提升全面风险管理能力。

     3.5.1 五级分类情况
                                                                                    单位:人民币百万元
五级分类                    2018 年 12 月 31 日             占比(%)       比上年同期末增减(%)
正常类                              3,376,345                   95.13                    11.76
关注类                                104,717                    2.95                    -0.16
次级类                                 27,784                    0.78                     6.55
可疑类                                 19,063                    0.54                   -29.03
损失类                                 21,296                    0.60                    36.66
合   计                             3,549,205                   100.00                   11.10

                                                                                    单位:人民币百万元
分       类                 2018 年 12 月 31 日             占比(%)       比上年同期末增减(%)
重组贷款                                3,531                    0.10                   368.30
逾期贷款                               85,532                    2.41                    -4.47
     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,企业贷款占比 51.17%,比上年末下降 5.73 个百分点,个人贷款占比
     41.79%,比上年末上升 2.91 个百分点,票据贴现占比 7.04%,比上年末上升 2.82 个百分点。

                                                                                              单位:人民币百万元
                                    2018 年 12 月 31 日                                     2017 年 12 月 31 日
产品类型
                             贷款金额     不良贷款额 不良贷款率(%)          贷款金额         不良贷款额 不良贷款率(%)
企业贷款                     1,815,874      49,175                   2.71    1,817,860               54,110           2.98
 一般企业贷款                1,778,999      48,983                   2.75    1,772,962               54,040           3.05
 贸易融资                       36,875          192                  0.52          44,898                70           0.16
票据贴现                       250,103              -                  -       134,609                   30           0.02
 银行承兑汇票贴现              135,273              -                  -           98,611                -              -
 转贴现                        111,814              -                  -           34,420                -              -
 商业承兑汇票贴现                3,016              -                  -           1,578                 30           1.90
个人贷款                     1,483,228      18,968                   1.28    1,242,131               14,379           1.16
 个人住房贷款                  588,988       1,585                   0.27      505,135               1,838            0.36
 个人经营贷款                  240,404       3,759                   1.56      187,209               4,773            2.55
 信用卡及透支                  433,470       7,832                   1.81      418,347               5,526            1.32
 其他                          220,366       5,792                   2.63      131,440               2,242            1.71
总       计                  3,549,205      68,143                   1.92    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 12 月 31 日                             2017 年 12 月 31 日
                                                        占总贷款比     不良贷款率                      占总贷款 不良贷款率
                                         贷款金额                                      贷款金额
                                                          例(%)        (%)                         比例(%)  (%)
企业贷款                                 1,815,874           51.17          2.71      1,817,860          56.90        2.98
制造业                                     305,290            8.60          6.27        303,242           9.49        6.54
房地产业                                   283,516            7.99          0.36        277,054           8.67        0.53
租赁和商务服务业                           265,795            7.49          0.32        312,879           9.79        0.53
批发和零售业                               207,144            5.84          8.57        262,569           8.22        7.57
水利、环境和公共设施管理业                 165,400            4.66          0.13        119,900           3.75        0.06
建筑业                                     141,439            3.99          1.17        126,382           3.96        1.20
交通运输、仓储和邮政业                     125,359            3.53          0.72        120,846           3.78        0.81
采矿业                                      77,164            2.17          5.15            76,505        2.39        6.85

电力、热力、燃气及水生产和供应业            64,389            1.81          0.79            61,298        1.92        0.97

金融业                                      56,467            1.59          0.01            14,778        0.46           -
农、林、牧、渔业                            27,205            0.77          5.70            29,765        0.93        5.97

信息传输、软件和信息技术服务业              25,023            0.71          3.84            32,447        1.02        1.85

科学研究和技术服务业                        21,401            0.60          1.19            18,980        0.59        0.70
卫生和社会工作                              11,837            0.33            -             10,823        0.34        0.05
文化、体育和娱乐业                          10,573            0.30          0.51            10,444        0.33        1.04


                                                        18
       2018 年年度报告摘要


教育                                           10,302           0.29             0.21         10,395           0.33          0.14
住宿和餐饮业                                    8,835           0.25             1.47             8,550        0.27          1.78
居民服务、修理和其他服务业                      5,621           0.16             3.59         12,256           0.38          0.83
公共管理、社会保障和社会组织                    2,104           0.06               -              7,306        0.23            -
其他                                            1,010           0.03               -              1,441        0.05            -
票据贴现                                    250,103             7.04               -         134,609           4.22          0.02
银行承兑汇票贴现                            135,273             3.81               -          98,611           3.09            -
转贴现                                      111,814             3.15               -          34,420           1.08            -
商业承兑汇票贴现                                3,016           0.08               -              1,578        0.05          1.90
个人贷款                                  1,483,228            41.79             1.28      1,242,131          38.88          1.16
总       计                               3,549,205         100.00               1.92      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 12 月 31 日                                2017 年 12 月 31 日
       地      区
                               贷款金额                 占比(%)                贷款金额                  占比(%)
       总行                          526,613                   14.84                    535,413                     16.76
       长三角地区               1,049,321                      29.55                    855,652                     26.79
       珠三角及海西地区              345,174                    9.73                    304,451                      9.53
       环渤海地区                    444,619                   12.53                    404,193                     12.65
       中部地区                      458,935                   12.93                    407,555                     12.76
       西部地区                      464,613                   13.09                    451,520                     14.13
       东北地区                      179,470                    5.06                    160,985                      5.04
       境外及附属机构                 80,460                    2.27                     74,831                      2.34
       合      计               3,549,205                      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 12 月 31 日                                2017 年 12 月 31 日
                               贷款金额        比例     占比(%)                贷款金额                  占比(%)
       抵押贷款                 1,284,367不良率                36.19               1,180,094                        36.94
       保证贷款                      739,258                   20.83                    723,672                     22.65
       信用贷款                 1,325,740                      37.35               1,090,899                        34.15
       质押贷款                      199,840                    5.63                    199,935                      6.26
       合      计               3,549,205                      100.00              3,194,600                        100.00


              3.5.6 贷款迁徙率情况
                                     2018 年                           2017 年                            2016 年
       项      目(%)
                             年末              平均            年末          平均              年末             平均
       正常类贷款迁徙率         3.14             3.59             4.04              5.63            7.21              6.20
       关注类贷款迁徙率        33.44            36.74            40.04             45.11           50.17             49.78
       次级类贷款迁徙率        81.04            83.92            86.80             79.97           73.14             52.12
       可疑类贷款迁徙率        57.72            48.10            38.47             53.02           67.56             59.07


                                                          19
2018 年年度报告摘要




     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 年度                         2017 年度
2017 年 12 月 31 日和 2016 年
                                                    90,747                            88,249
12 月 31 日余额
新金融工具准则的影响                                15,188                            不适用
2018 年 1 月 1 日和 2017 年 1
                                                 105,935                              不适用
月 1 日余额
本年计提                                            58,383                            52,799
本年核销及处置                                   -61,290                             -51,254
收回原核销贷款                                       3,748                             2,760
因折现价值上升转回                                  -1,309                            -1,438
汇率变动                                                75                              -369
年末余额                                         105,542                              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 12 月 31 日              2017 年 12 月 31 日
项       目
                                     本集团                  本行     本集团                 本行
资本总额                             599,114           587,655        500,827           492,085
其中:核心一级资本                   444,926           434,850        398,143           390,539
         其他一级资本                 30,278            29,920         30,225            29,920
         二级资本                    123,910           122,885         72,459            71,626
资本扣除项                             9,806            26,424          9,943            23,618
其中:核心一级资本扣减项               9,806            26,424          9,943            23,618
         其他一级资本扣减项                -                    -           -                   -
         二级资本扣减项                    -                    -           -                   -
资本净额                             589,308           561,231        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                     4,311,886           4,196,285      4,084,499         3,982,115
其中:信用风险加权资产           3,934,963           3,841,869      3,727,889         3,644,136
      市场风险加权资产                57,099            49,322         42,370            36,741
      操作风险加权资产               319,824           305,094        314,240           301,238

                                               20
2018 年年度报告摘要


核心一级资本充足率(%)                    10.09                   9.73               9.50                9.21
一级资本充足率(%)                        10.79                10.45              10.24                  9.97
资本充足率(%)                            13.67                13.37              12.02                 11.76

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154.4亿元。


       3.6.2 杠杆率情况
       根据中国银监会《商业银行杠杆率管理办法(修订)》的要求,对杠杆率指标进行了计
量。报告期末,集团杠杆率为 6.68%,比 2017 年末上升 0.58 个百分点;本行杠杆率为 6.40%,
比 2017 年末上升 0.53 个百分点。
                                                                                          单位:人民币百万元
                                          2018 年 12 月 31 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                           465,398              438,346             418,425               396,841
调整后的表内外资产余额                6,969,609          6,853,657           6,864,789              6,762,705
杠杆率(%)                                6.68                 6.40               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 12 月 31 日
合格优质流动性资产                                                 783,011
现金净流出量                                                       635,373
流动性覆盖率(%)                                                  123.24


       3.6.4 公司近三年其他监管财务指标
                             截止报告                                     实际值
项目(%)                    期末监管
                                          2018 年 12 月 31 日      2017 年 12 月 31 日       2016 年 12 月 31 日
                              标准值
资本充足率                   ≥10.5                 13.37                     11.76                     11.37
一级资本充足率               ≥8.5                  10.45                      9.97                      9.02
核心一级资本充足率           ≥7.5                   9.73                      9.21                      8.23
资产流动       人民币        ≥25                   56.05                     58.87                     37.67
性比率         本外币合计    ≥25                   55.43                     57.16                     37.05
拆借资金       拆入资金比    ≤4                     3.42                      3.35                      2.01
比例           拆出资金比    ≤8                     4.47                      2.75                      4.16
单一最大客户贷款比例         ≤10                    1.75                      2.13                      1.58


                                                    21
2018 年年度报告摘要


最大十家客户贷款比例        ≤50                   10.18              12.43                  10.93
拨备覆盖率                  ≥130                 156.38              133.39                168.62
贷款拨备率                  ≥1.8                   2.94                2.81                     3.18

注:(1)本表中资本充足率、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、拨备覆盖率、贷款拨备率按照上报监管机构数据计算,数据口径为母公司口径。
   (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2018年底资本充足率的要求:资本充足率10.5%,一级资本充足率8.5%,核心一级资本充足率7.5%。
   (3)根据中国银行保险监督管理委员会《关于调整商业银行贷款损失准备监管要求的通知》(银监发
【2018】7号)规定,对各股份制银行实行差异化动态调整“拨备覆盖率”和“贷款拨备率”监管标准。



       3.7 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 1,693 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                      5,011      2,530,609     1,692
总行
           信用卡中心         上海市浦东南路 588 号浦发大厦              11,124       425,589            -
           上海分行           上海市浦东南路 588 号                       4,221       772,079           192
           杭州分行           杭州市延安路 129 号                         2,746       351,185           106
长三角     宁波分行           宁波市江厦街 21 号                          1,342       102,208            39
地区       南京分行           南京市中山东路 90 号                        2,816       295,140            97
           苏州分行           苏州市工业园区钟园路 718 号                      862    106,481            32
           上海自贸试验区分行 上海市浦东南路 588 号浦发大厦 22 楼               25      34,843           -
           广州分行           广州市天河区珠江西路 12 号                  1,665       202,987            56
珠三角及
           深圳分行           深圳市福田区福华三路国际商会中心            1,298       216,521            45
海西
           福州分行           福州市湖东路 222 号                              709      50,997           71
地区
           厦门分行           厦门市厦禾路 666 号之一                          263      13,520           15
           北京分行           北京市西城区太平桥大街 18 号                1,626       414,963            72
           天津分行           天津市河西区宾水道增 9 号 D 座              1,315       147,874            44
环渤海     济南分行           济南市黑虎泉西路 139 号                     1,324         83,320           66
地区       青岛分行           青岛市崂山区海尔路 188 号                        726      54,096           33
                              石家庄市长安区裕华东路 133 号方北购物广
           石家庄分行                                                          733      50,725           35
                              场 101
           郑州分行           郑州市金水路 299 号                         1,919       184,326            84
           武汉分行           武汉市江汉区新华路 218 号                        837      74,809           41
           太原分行           太原市青年路 5 号                                769      61,415           54
中部
           长沙分行           湖南省长沙市滨江新城茶子山东路 102 号            932      64,754           57
地区
           南昌分行           南昌市红谷中大道 1402 号                         636      46,148           36
           合肥分行           合肥市滨湖新区杭州路 2608 号                1,025       105,026            35
           海口分行           海口市玉沙路 26 号                               198      13,877           8
           重庆分行           重庆市北部新区高新园星光大道 78 号               676      55,344           26
西部
           昆明分行           昆明市东风西路 156 号                            704      43,075           40

                                                   22
2018 年年度报告摘要


地区         成都分行       成都市成华区二环路东二段 22 号                 705      99,921        29
             西安分行       西安市高新区锦业路 6 号                        886      79,869        52
             南宁分行       南宁市金浦路 22 号                             542      50,667        28
             乌鲁木齐分行   乌鲁木齐市新华南路 379 号                      404      30,346        21
                            呼和浩特市赛罕区敕勒川大街 18 号东方君座
             呼和浩特分行                                                  570      32,947        28
                            B座
             兰州分行       兰州市广场南路 101 号                          479      40,987        31
                            贵州省贵阳市观山湖区中天会展城 B 区金融
             贵阳分行                                                      341      31,500        20
                            商务区东区东四塔
             西宁分行       西宁市城西区微波巷 1 号 1-7 亚楠大厦           207      15,186            9
             银川分行       银川市兴庆区新华东街 51 号                     156       9,292            5
             拉萨分行       拉萨市城关区北京中路 48 号 1 号商务楼          106       6,197            1
             大连分行       大连市沙河口区会展路 45 号                     936      70,887        60
东北         沈阳分行       沈阳市沈河区奉天街 326 号                      745      44,385        28
地区         哈尔滨分行     哈尔滨市南岗区红旗大街 226 号                  653      61,774        32
             长春分行       长春市人民大街 3518 号                         487      35,534        23
             香港分行       香港中环夏悫道 12 号美国银行中心 15 楼         215     146,448            -

                            新加坡码头大道 12 号滨海湾金融中心(12
境外         新加坡分行     Marina Boulevard, #34-01, MBFC Tower 3,         51      17,689            -
                            Singapore)

             伦敦分行       19th floor, 1 Angel Court London,EC2R 7HJ       34       4,857            -
汇总调整                                                                         -1,097,529      -
总      计                                                              53,019   6,182,868    1,693
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。


       3.8 2019 年度公司经营计划
       1.营业收入力争达到 1,640 亿元,较上年保持正增长;
       2. 净利润力争实现 540 亿元,较 2018 年保持正增长;
       3.年末不良贷款率控制在 1.8%左右,拨备覆盖率符合监管要求。

       特别提示:2019 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。

       3.9 公司 2018 年度利润分配预案

       根据经审计的 2018 年度会计报表,母公司共实现净利润 536.25 亿元,扣除 2018 年发
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 519 亿元。
公司拟定 2018 年度预分配方案如下:
       (1)按当年税后利润 30%的比例提取任意盈余公积,共计 160.88 亿元;
       (2)以 2018 年末普通股总股本 29,352,080,397 股为基数,向全体普通股股东每 10
股派送现金股利 3.5 元人民币(含税),合计分配现金股利人民币 102.73 亿元。
       上述方案执行后,结余的未分配利润按照监管机构对商业银行资本充足的有关要求,留
做补充资本。


                                                 23
2018 年年度报告摘要




    4 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、会计估计和核算方法发生变化的,公司应当
说明情况、原因及其影响

    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
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 会计报表列报格式变更具体情况及影响

     根据财政部《关于修订印发 2018 年度金融企业财务报表格式的通知》(财会[2018]36
号)的规定,本集团从 2018 年 1 月 1 日开始的会计年度起采用修订后的金融企业财务报表格
式编制财务报表,本集团无需重述前期可比数据。

    基于实际利率法计提的金融工具的利息包含在相应金融工具的账面余额中对本集团财
务报表的影响金额列示如下:




                                         24
2018 年年度报告摘要



                                                                                   单位:人民币百万元
                                                            2018年12月31日
        资产负债表项目
                                              变更前                                变更后
 现金及存放中央银行款项                                443,504                          443,723
 存放同业款项                                          93,883                            94,284
 拆出资金                                              140,987                          142,251
 买入返售金融资产                                      11,568                            11,573
 应收利息                                               34,402                                  -
 发放贷款和垫款                                     3,443,866                         3,455,489
 债权投资                                           1,129,439                         1,144,249
 其他债权投资                                          373,988                          378,860
 其他资产                                              81,067                            82,274
 向中央银行借款                                        217,740                          221,003
 同业及其他金融机构存放款项                         1,063,559                         1,067,769
 拆入资金                                              148,089                          148,622
 卖出回购金融资产款                                    119,450                          119,564
 吸收存款                                           3,227,018                         3,253,315
 应付利息                                              38,503                                   -
 已发行债务证券                                        837,354                          841,440

    金融资产及金融负债列示名称变更如下:
                                                                                   单位:人民币百万元
                           资产负债表项目                                         2018年12月31日
                变更前                             变更后
以公允价值计量且其变动计入当期损
                                   交易性金融资产                                        395,668
益的金融资产
以摊余成本计量的金融投资           债权投资                                            1,144,249
以公允价值计量且其变动计入其他综 其他债权投资                                            378,860
合收益的金融投资                   其他权益工具投资                                          4,038
以公允价值计量且其变动计入当期损
                                   交易性金融负债                                           34,912
益的金融负债


     利润表项目列示变更如下:

    外汇衍生金融工具产生的损益影响金额列示如下:
                                                                                   单位:人民币百万元
                                                            2018 年 12 月 31 日
            利润表项目
                                              变更前                               变更后
 投资损益                                                    15,273                            14,765
 公允价值变动损益                                             5,380                                  798
 汇兑损益                                                    -3,935                             1,155




                                              25
2018 年年度报告摘要


    计提金融工具信用损失准备所确认信用损失的影响金额列示如下:
                                                                       单位:人民币百万元
          利润表项目       2018 年度             利润表项目                2018 年度
                  变更前                                      变更后
                                       信用减值损失                              60,417
 资产减值损失                 60,420
                                       其他资产减值损失                                3



    4.3 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

    4.4 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

    4.5 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:高国富




                                                上海浦东发展银行股份有限公司董事会

                                              董事会批准报送日期:2019 年 3 月 22 日




                                        26
数据加载中...
prevnext
手机查看股票