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  • [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%
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浦发银行(600000)公告正文

浦发银行:2019年半年度报告摘要

公告日期 2019-08-24
股票简称:浦发银行 股票代码:600000
               上海浦东发展银行股份有限公司
                   2019 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 2019 年 8 月 22 日在上海召开第六届董事会第四十八次会议审议通过本报
告,全体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,但已经毕马威华振会计师事务所(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
             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                                             97,599         82,023                      18.99
利润总额                                             38,218         34,161                      11.88
归属于母公司股东的净利润                             32,106         28,569                      12.38
归属于母公司股东的扣除非经常性损益的净利润           32,036         28,432                      12.68
经营活动产生的现金流量净额                            8,832       -102,874                     不适用
主要财务指标 (元/股)
基本每股收益                                           1.07           0.95                      12.63
稀释每股收益                                           1.07           0.95                      12.63
扣除非经常性损益后的基本每股收益                       1.06           0.94                      12.77
每股经营活动产生的现金流量净额                         0.30          -3.50                     不适用
盈利能力指标(%)
加权平均净资产收益率                                   6.89           6.97        下降 0.08 个百分点
扣除非经常性损益后的加权平均净资产收益率               6.88           6.93        下降 0.05 个百分点
平均总资产收益率                                       0.50           0.47        上升 0.03 个百分点
全面摊薄净资产收益率                                   6.76           6.75        上升 0.01 个百分点
扣除非经常性损益后全面摊薄净资产收益率                 6.74           6.72        上升 0.02 个百分点
净利差                                                 2.07           1.70        上升 0.37 个百分点
净利息收益率                                           2.12           1.77        上升 0.35 个百分点
成本收入比                                            21.51          24.35        下降 2.84 个百分点
占营业收入百分比(%)
利息净收入比营业收入                                  65.84          62.54        上升 3.30 个百分点
非利息净收入比营业收入                                34.16          37.46        下降 3.30 个百分点
手续费及佣金净收入比营业收入                          23.25          24.21        下降 0.96 个百分点
                                             本报告期末          上年末             本期末比上年
                                             (未经审计)     (经审计)            末增减(%)
规模指标
资产总额                                          6,659,908      6,289,606                       5.89
其中:贷款总额                                    3,714,895      3,549,205                       4.67
负债总额                                          6,160,238      5,811,226                       6.01
其中:存款总额                                    3,665,475      3,227,018                      13.59
归属于母公司股东的净资产                            492,765        471,562                       4.50
归属于母公司普通股股东的净资产                      462,845        441,642                       4.80
归属于母公司普通股股东的每股净资产(元/股)             15.77          15.05                       4.78
资产质量指标(%)
不良贷款率                                             1.83           1.92        下降 0.09 个百分点
贷款减值准备对不良贷款比率                           156.51         154.88        上升 1.63 个百分点
贷款减值准备对贷款总额比率                             2.86           2.97        下降 0.11 个百分点
                                              2
注:(1)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。
(2)2019年3月,公司对浦发优2发放股息人民币8.25亿元。在计算本报告披露的基本每股收益及净资产收
益率时,公司考虑了优先股股息发放的影响。

(3)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。
(4)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。
(5)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。
(6)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。
(7)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。
(8)成本收入比=业务及管理费/营业收入。
(9)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。
(10)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。同时,本期将票据买
卖价差从“其他业务收入”及“其他业务支出”调整至“投资损益”,上期比较数据同口径调整。
  (11)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)                                                      174,702
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         1,307,994,759          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                 -              -         -
香港中央结算有限公司               440,637,332          1.50       +63,822,311              -         -




                                                 3
                     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-万能
说明                 H、富德生命人寿保险股份有限公司-资本金为同一法人。
                     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
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

    今年以来,公司围绕打造一流数字生态银行的战略目标和“调结构、稳增长;严合规、
提质量;优管理、强能力”经营主线,着力推进高质量可持续发展,主要经营指标实现了“时
间过半、进度过半”,延续了稳中有进、进中提质的良好发展态势。

    经营效益
    报告期内本集团保持营业收入、净利润双增长。集团口径实现营业收入 975.99 亿元,
比上年同期增加 155.76 亿元,同比增长 18.99%;实现利润总额 382.18 亿元,比上年同期
增加 40.57 亿元,同比增长 11.88%;税后归属于母公司股东的净利润 321.06 亿元,比上年
同期增加 35.37 亿元,同比增长 12.38%。2019 年上半年,平均总资产收益率(ROA)为 0.50%,
比上年同期上升了 0.03 个百分点;加权平均净资产收益率(ROE)为 6.89%,比上年同期下
降了 0.08 个百分点。成本收入比为 21.51%,比上年同期下降 2.84 个百分点。

    资产负债
    报告期末,本集团资产总额为 66,599.08 亿元,比上年末增加 3,703.02 亿元,增长 5.89%;
其中,本外币贷款总额为 37,148.95 亿元,比上年末增加 1,656.90 亿元,增长 4.67 %。本
集团负债总额 61,602.38 亿元,比上年末增加 3,490.12 亿元,增长 6.01%;其中,本外币
存款总额为 36,654.75 亿元,比上年末增加 4,384.57 亿元,增长 13.59%。

    业务结构
    报告期内,本集团多措并举,调结构、稳增长成效显著;三大业务板块营收占比持续优
化,零售业务贡献继续保持领先;零售贷款新增 1,185.36 亿元,占贷款增量的 71.54%。利
息净收入增长较快,上半年达到 642.64 亿元,同比增长 25.28%;利息支出同比下降 6.75%,
其中同业往来成本下降 38.52%,带动净利息收益率和净利差同比分别上升 0.35 和 0.37 个
百分点。非利息净收入 333.35 亿元,同比增长 8.49%。

    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,更加注重风险管理,严格不良贷款
分类管理,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 678.74 亿元,比上年末减少 2.69 亿元;不良贷款率为 1.83%,比上年末下降
0.09 个百分点;不良贷款的准备金覆盖率达 156.51%,比上年末上升 1.63 个百分点;贷款
拨备率(拨贷比)2.86%,比上年末下降 0.11 个百分点。




                                                5
     集团化、国际化
     报告期内,本集团子公司和境外机构业务协同机制和评估体系得到优化,协同覆盖面更
广,业务结构更均衡。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
55.73 亿元、净利润 16.73 亿元;持续推进香港分行、新加坡分行、伦敦分行的特色化、差
异化发展,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,利息净收入增长较快,成本收入比继续保持较低
水平,实现营业收入 975.99 亿元,同比增加 155.76 亿元,增长 18.99%;实现归属于母公司
股东的净利润 321.06 亿元,同比增长 12.38%。
                                                                           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                               97,599                 82,023              15,576
--利息净收入                           64,264                 51,297              12,967
--手续费及佣金净收入                   22,690                 19,860               2,830
--其他净收入                           10,645                 10,866                -221
营业支出                               59,329                 47,859              11,470
--税金及附加                              923                    930                     -7
--业务及管理费                         20,996                 19,971               1,025
--信用减值及其他资产减值损失           36,934                 26,929              10,005
--其他业务成本                            476                     29                    447
营业外收支净额                            -52                     -3                    -49
利润总额                               38,218                 34,161               4,057
所得税费用                              5,807                  5,261                    546
净利润                                 32,411                 28,900               3,511
归属于母公司股东的净利润               32,106                 28,569               3,537
少数股东损益                              305                    331                    -26
注:(1)利息净收入增加的主要原因是报告期内净利差及生息资产规模上升。
    (2)信用减值及其他资产减值损失增加的原因是报告期内公司加强风险化解处置力度,贷款拨备计提
增加,拨备覆盖率进一步提高,风险补偿能力增强。

     3.2.1 营业收入
     下表列出本集团营业收入构成及占比情况

项    目                                本报告期(%)                   上年同期(%)
利息净收入                                           65.84                        62.54
手续费及佣金净收入                                   23.25                        24.21
其他净收入                                           10.91                        13.25
合    计                                            100.00                       100.00




                                                6
       报告期内,本集团实现业务总收入 1,782.57 亿元,同比增加 121.05 亿元,增长 7.29%。

       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                              97,228                  54.54                 12.87
投资利息收入                              31,931                  17.91                -13.21
手续费及佣金收入                          27,515                  15.44                 21.41
存拆放同业和其他金融机构往来业
                                           6,470                   3.63                 24.95
务利息收入
存放央行利息收入                           3,110                   1.74                 -5.01
租赁利息收入                               1,191                   0.67                 20.79
其他收入                                  10,812                   6.07                 -2.73
合      计                               178,257                 100.00                  7.29


       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                      42,984                   38.37           21,376               40.10
长三角地区                20,865                   16.54           12,731                4.83
珠三角及海西地区           5,575                   -5.38            3,235              -26.21
环渤海地区                 7,603                    1.45           -3,114             -353.79
中部地区                   8,100                    5.83            2,291              -21.94
西部地区                   5,512                   14.79               748       上年同期为负
东北地区                   2,479                    8.40           -1,093        上年同期为负
境外及附属机构             4,481                   -9.03            2,096              -21.17
合      计                97,599                   18.99           38,270               12.02
 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




                                                   7
       3.2.2 利息净收入
       报告期内,集团实现利息净收入 642.64 亿元,同比增加 129.67 亿元,增长 25.28%。

       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            3,617,763       97,228          5.42    3,270,080     86,145             5.31
投资                  1,599,885       31,931          4.02    1,715,400     36,791             4.33
存拆放同业及其他
                        422,324        6,470          3.09      332,990      5,178             3.14
金融机构
存放中央银行款项        418,114       3,110           1.50      464,126      3,274             1.42
其他金融资产             63,288        1,358          4.33       55,000      1,235             4.53
合计                  6,121,374     140,097           4.62    5,837,596    132,623             4.58

                                                                             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              3,480,137      36,248           2.10    3,130,810     28,636             1.84
同业及其他金融机
                      1,465,206       21,201          2.92    1,693,313     34,482             4.11
构存拆放款项
已发行债务证券          843,045       15,129          3.62      670,691     15,103             4.54
向中央银行借款          196,903        3,255          3.33      192,273      3,105             3.26
合计                  5,985,291       75,833          2.55    5,687,087     81,326             2.88


       3.2.2.1 利息收入

       报告期内,实现利息收入 1,400.97 亿元,同比增加 74.74 亿元,增长 5.64%;其中,零
售贷款利息收入 483.10 亿元,同比增加 72.14 亿元,增长 17.55%。

       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             1,819,073       44,032           4.88    1,852,839    42,032            4.57
零售贷款             1,535,315       48,310           6.35    1,285,778    41,096            6.45
票据贴现               263,375        4,886           3.74      131,463     3,017            4.63
       注:其中,一般性短期贷款平均收益率为 5.44%,中长期贷款平均收益率为 5.63%。




                                                 8
       投资利息收入
       报告期内,本集团投资利息收入为 319.31 亿元,同比下降 13.21%,投资平均收益率为
4.02%,同比下降了 0.31 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 64.70 亿元,同比增
长 24.95%。

       3.2.2.2 利息支出
       报告期内,本集团利息支出 758.33 亿元,同比减少 54.93 亿元,下降 6.75%。主要是
同业及其他金融机构存拆放款项利息支出减少所致。

       客户存款利息支出
       报告期内,本集团持续开拓稳定的负债资源,客户存款利息支出为 362.48 亿元,同比
增长 26.58%,平均成本率 2.10%,同比上升 0.26 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          1,223,537      6,087            1.00     1,226,473      5,155              0.85
定期          1,296,043     19,717            3.07     1,129,955     15,095              2.69
零售客户
活期            218,329        336            0.31       200,036        284              0.29
定期            530,761      8,836            3.36       403,053      6,305              3.15


       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 212.01 亿元,同比下降
38.52%,主要受同业资金规模和利率下降的影响。

       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 151.29 亿元,同比增长 0.17%。




                                               9
     3.2.3 非利息净收入
     本集团持续推进收入结构多元化,报告期内,实现非利息净收入 333.35 亿元,同比增
长 8.49%;其中,手续费及佣金净收入 226.90 亿元,同比增长 14.25%。
                                                                            单位:人民币百万元
                                  本报告期                               上年同期
项    目
                           金额              占比(%)       金额                   占比(%)
手续费及佣金净收入         22,690                 68.07      19,860                     64.64
其中:手续费及佣金收入     27,515                 82.54      22,663                     73.76
      手续费及佣金支出     -4,825                -14.47      -2,803                     -9.12
投资损益                    8,619                 25.86      10,043                     32.69
其他收益                        176                   0.53      240                      0.78
公允价值变动损益                886                   2.66          11                   0.03
汇兑损益                        218                   0.65     -324                     -1.05
其他业务收入                    741                   2.22      890                      2.90
资产处置损益                      5                   0.01           6                   0.01
合    计                   33,335                100.00      30,726                    100.00


     3.2.3.1 手续费及佣金收入

     报告期内,集团手续费及佣金收入持续增长,上半年实现收入275.15亿元,同比增加
48.52亿元,增长21.41%。
                                                                            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               14,627                 53.16      10,697                     47.20
托管及其他受托业务手续费    6,786                 24.66       6,471                     28.55
投行类业务手续费            1,811                     6.58    1,602                      7.07
代理业务手续费              1,536                     5.58    1,075                      4.74
信用承诺手续费              1,184                     4.30    1,321                      5.83
结算与清算手续费                532                   1.93      490                      2.16
其    他                    1,039                     3.79    1,007                      4.45
合    计                   27,515                100.00      22,663                    100.00




                                                 10
       3.2.3.2 投资损益

       报告期内,本集团实现投资收益86.19亿元,同比下降14.18%。
                                                                              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(%)
交易性金融资产                           7,099               82.36          7,323               72.91
债权投资                                  -209               -2.42             24                0.24
其他债权投资                             1,418               16.45            870                8.66
其他权益工具投资                            30                0.35             39                0.39
贵金属及大宗商品                           192                2.23            211                2.10
衍生金融工具                                -1               -0.01          1,500               14.94
按权益法核算的长期股权投资                  90                1.04             76                0.76
合      计                               8,619              100.00      10,043                 100.00


       3.2.3.3 公允价值变动损益
                                                                              单位:人民币百万元

                                    本报告期                                上年同期
项      目
                                         金额                                 金额
衍生金融工具                                 528                              -3,184
贵金属及大宗商品                             184                               1,143
交易性金融资产                              -214                               1,996
被套期债券                                   386                                    62
以公允价值计量且其变动
                                                 2                                  -6
计入当期损益的贷款
合      计                                   886                                    11


       3.2.4 业务及管理费用
       报告期内,业务及管理费为209.96亿元,同比增长5.13%;成本收入比为21.51%,同比
下降2.84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(%)
员工费用                            13,150                  62.63      11,536                  57.76
租赁费                               1,531                   7.29       1,550                   7.76
折旧及摊销费                         1,429                   6.81       1,491                   7.47
电子设备运转及维护费                      377                1.80           362                 1.81
其他                                 4,509                  21.47       5,032                  25.20
合计                                20,996                 100.00      19,971                 100.00




                                                 11
       3.2.5 信用减值及其他资产减值损失
       报告期内,本集团持续加强风险化解处置力度,贷款拨备计提增加,拨备覆盖率进一步
提高,风险补偿能力增强贷款和垫款减值损失为355.61亿元,同比增长34.28%。
                                                                                         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                          35,561                 96.28            26,482               98.34
投资                                         687                1.86               454                1.69
其他资产                                     686                1.86                -7               -0.03
合计                                    36,934                100.00            26,929              100.00


       3.2.6 所得税费用
       报告期内,所得税费用 58.07 亿元,比上年增加 5.46 亿元,增长 10.38%。
                                                                                         单位:人民币百万元

项目                                                      本报告期                         上年同期
税前利润                                                              38,218                         34,161
按中国法定税率计算的所得税                                             9,555                          8,540
子公司采用不同税率的影响                                                 -31                            -35
不得抵扣的费用                                                           114                             85
免税收入                                                              -4,161                         -3,385
影响当期损益的以前年度所得税调整                                         330                             56
所得税费用                                                             5,807                          5,261

       3.3 资产负债表分析

       报告期内,公司采取“稳存款、抓投放、促流转”的总体配置策略。资产端,通过优化
配置规则、统筹管理各类资源,有效促进了符合调结构导向的信贷投放;负债端,强化稳存
增存,落实全量负债管理,合理吸收各类负债,并引导负债结构优化、控制高成本负债增长。

       3.3.1 资产情况分析
       报告期末,本集团资产总额 66,599.08 亿元,比上年末增加 3,703.02 亿元,增长 5.89%。
                                                                                         单位:人民币百万元

                                      2019 年 6 月 30 日                         2018 年 12 月 31 日
项目
                                金额                    占比(%)               金额            占比(%)
贷款总额                       3,714,895                      55.78            3,549,205                56.43
贷款应计利息                       12,818                      0.19               11,705                 0.19
减:贷款减值准备                -106,237                      -1.60             -105,421                -1.68
金融投资                       2,088,978                      31.37            1,922,815                30.57
长期股权投资                         1,965                     0.03                1,968                 0.03
衍生金融资产                       39,552                      0.60               43,274                 0.69
现金及存放央行款项                 395,053                     5.93              443,723                 7.05

                                                   12
存拆放同业及其他金融机构
                               270,097                   4.06            248,108                  3.95
款项
商誉                             6,981                   0.10               6,981                 0.11
其他                           235,806                   3.54            167,248                  2.66
合计                         6,659,908              100.00           6,289,606                  100.00


       3.3.1.1 客户贷款

       报告期末,本集团贷款总额为 37,148.95 亿元,比上年末增长 4.67%。

       3.3.1.2 金融投资
                                                                                单位:人民币百万元
                                    2019 年 6 月 30 日                    2018 年 12 月 31 日
项目
                                  金额           占比(%)               金额           占比(%)
交易性金融资产                    441,990            21.16               395,668            20.58
债权投资                        1,229,916            58.88          1,144,249               59.51
其他债权投资                      412,249            19.73               378,860            19.70
其他权益工具投资                    4,823                0.23              4,038                0.21
合计                            2,088,978           100.00          1,922,815              100.00


       交易性金融资产
                                                                                单位:人民币百万元
                                                                   2019 年 6 月 30 日
项目
                                                                  余额               占比(%)
债券                                                               67,685                       15.32
资金信托计划及资产管理计划                                         63,601                       14.39
基金投资                                                          302,198                       68.37
股权投资                                                            2,706                        0.61
其他投资                                                            5,800                        1.31
合计                                                              441,990                   100.00


       债权投资
                                                                                单位:人民币百万元
                                                                   2019 年 6 月 30 日
项目
                                                                  余额               占比(%)
债券                                                              819,306                       66.62
资金信托计划及资产管理计划                                        404,012                       32.85
其他债权工具                                                          508                        0.04
应计利息                                                           14,285                        1.16
减值准备                                                           -8,195                       -0.67
合计                                                            1,229,916                   100.00




                                            13
       其他债权投资
                                                                                     单位:人民币百万元
                                                                          2019 年 6 月 30 日
项目
                                                                      余额                 占比(%)
债券                                                                  401,883                        97.48
资金信托计划及资产管理计划                                                3,492                       0.85
应计利息                                                                  6,874                       1.67
合计                                                                  412,249                      100.00


       其他权益工具投资
                                                                                     单位:人民币百万元
                                                                          2019 年 6 月 30 日
项目
                                                                      余额                 占比(%)
股权                                                                      4,823                    100.00
合计                                                                      4,823                    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
                                                                          2019 年 6 月 30 日
项目
                                                                   金额                   占比(%)
中国财政部、地方政府、央行                                           639,874                       49.64
政策性银行                                                           293,600                       22.78
商业银行及其他金融机构                                                95,202                         7.39
其他                                                                 260,198                       20.19
债券投资合计                                                       1,288,874                      100.00


       3.3.2 负债情况分析

       截至报告期末,本集团负债总额 61,602.38 亿元,比上年末增加 3,490.12 亿元,增长 6.01%。
                                                                                     单位:人民币百万元

                                      2019 年 6 月 30 日                       2018 年 12 月 31 日
项目
                                   金额            占比(%)                 金额              占比(%)
存款总额                         3,665,475                 59.50      3,227,018                  55.53
存款应付利息                        32,053                  0.52            26,297                0.45
同业及其他金融机构存拆放款项     1,172,716                 19.04      1,335,955                  22.99
已发行债务证券                     896,520                 14.56           841,440               14.48
向中央银行借款                     195,170                  3.17           221,003                3.80
交易性金融负债                      39,649                  0.64            34,912                0.60
衍生金融负债                        39,584                  0.64            42,793                0.74
其他                               119,071                  1.93            81,808                1.41
负债总额                         6,160,238             100.00         5,811,226                 100.00




                                              14
       存款总额构成
       截至报告期末,本集团存款总额为 36,654.75 亿元,比上年末增加 4,384.57 亿元,增长
13.59%。
                                                                                                      单位:人民币百万元

                                   2019 年 6 月 30 日                                     2018 年 12 月 31 日
项目
                                余额                      占比(%)                    余额                 占比(%)
活期存款                        1,635,374                            44.62             1,464,038                  45.37
其中:企业存款                  1,383,499                            37.75             1,244,437                  38.56
         个人存款                 251,875                             6.87               219,601                   6.81
定期存款                        2,027,194                            55.30             1,759,075                  54.51
其中:企业存款                  1,443,261                            39.37             1,330,802                  41.24
        个人存款                  583,933                            15.93               428,273                  13.27
其他存款                               2,907                          0.08                    3,905                0.12
合计                            3,665,475                        100.00                3,227,018                 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 4,996.70 亿元,比上年末增长 4.45%。归属于母公司股东
权益为 4,927.65 亿元,比上年末增长 4.50%;未分配利润为 1,449.49 亿元,比上年末增长
3.38%。
                                                                                                      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          109,717        75,946        4,659     140,208        471,562
本期增加                   -           -              -     16,088           179          195      32,106         48,568
本期减少                   -           -              -              -          -             -    27,365         27,365
期末数              29,352     29,920      81,760          125,805        76,125        4,854     144,949        492,765


                                                                                                      单位:人民币百万元

项目                                   2019 年 6 月 30 日                2018 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                                          4,854                           4,659                      4.19
盈余公积                                         125,805                            109,717                     14.66
一般风险准备                                      76,125                             75,946                      0.24
未分配利润                                       144,949                            140,208                      3.38
归属于母公司股东权益合计                         492,765                            471,562                      4.50
少数股东权益                                          6,905                           6,818                      1.28
股东权益合计                                     499,670                            478,380                      4.45



                                                               15
       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

                        2019 年         2018 年
项目                                                    增减(%)    报告期内变动的主要原因
                       6 月 30 日      12 月 31 日
贵金属                       24,182         10,475          130.85   自营及代客贵金属规模增加
买入返售金融资产              1,678         11,573          -85.50   买入返售债券规模减少
其他资产                    136,177         83,442           63.20   待清算款项增加
拆入资金                    228,538        148,622           53.77   拆入境内银行金融机构资金增加
其他负债                     82,753         44,336           86.65   待划转结算和暂收款增加


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             4,825           2,803           72.14   银行卡手续费支出增加
公允价值变动损益               886                 11     7,954.55   贵金属及利率类衍生产品估值增加
汇兑损益                       218             -324         不适用   市场汇率波动,汇兑收益增加
                                                                     贷款拨备计提增加,拨备覆盖率进一
信用减值损失                36,931          26,933           37.12
                                                                     步提高,风险补偿能力增强
其他业务成本                   476                 29     1,541.38   子公司其他营业支出增加
营业外收入                      24                 41       -41.46   其他营业外收入减少
营业外支出                      76                 44        72.73   其他营业外支出增加
经营活动产生/(使用)
                             8,832        -102,874          不适用   吸收客户存款收到的现金增加
的现金流量净额
投资活动(使用)/产生
                         -115,279          166,947         -169.05   投资净支付的现金增加
的现金流量净额
筹资活动产生/(使用)                                                  发行债券及同业存单收到的现金净
                            28,759         -49,780          不适用
的现金流量净额                                                       增加


       3.5 贷款质量分析
       报告期内,公司大力推进风险化解,持续优化风险政策,夯实风险管理基础,保持资产
质量向好趋势。

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

五级分类                      2019 年 6 月 30 日           占比(%)         比上年末增减(%)
正常类                                3,539,067             95.27                         4.82
关注类                                  107,954              2.90                         3.09
次级类                                   20,579              0.56                     -25.93
可疑类                                   17,581              0.47                      -7.77
损失类                                   29,714              0.80                      39.53
合计                                  3,714,895            100.00                         4.67




                                                   16
                                                                                            单位:人民币百万元

分类                            2019 年 6 月 30 日                  占比(%)         比上年末增减(%)
重组贷款                                       4,578                 0.12                          29.65
逾期贷款                                      90,164                 2.43                          -1.47
       注:1)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。
           2)本集团将本金或利息逾期 1 天的贷款整笔归类为逾期贷款。


       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 50.29%,比上年末下降 0.88 个百分点,个人贷款占比
43.12%,比上年末上升 1.33 个百分点,票据贴现占比 6.59%,比上年末下降 0.45 个百分点。
                                                                                            单位:人民币百万元

                               2019 年 6 月 30 日                                 2018 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     不良贷款额 不良贷款率(%)
企业贷款           1,868,153        45,259                  2.42      1,815,874        49,175               2.71
 一般企业贷款      1,837,910        45,144                  2.46      1,778,999        48,983               2.75
 贸易融资             30,243           115                  0.38         36,875             192             0.52
票据贴现             244,978              -                    -        250,103               -                -
零售贷款           1,601,764        22,615                  1.41      1,483,228        18,968               1.28
 个人住房贷款        666,395         2,007                  0.30        588,988         1,585               0.27
 个人经营贷款        255,533         4,675                  1.83        240,404         3,759               1.56
 信用卡及透支        439,645        10,464                  2.38        433,470         7,832               1.81
 其他                240,191         5,469                  2.28        220,366         5,792               2.63
总计               3,714,895        67,874                  1.83      3,549,205        68,143               1.92


       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

                                                2019 年 6 月 30 日                    2018 年 12 月 31 日
                                                       占总贷款 不良贷                       占总贷款 不良贷款
                                         贷款余额                          贷款余额
                                                       比例(%) 款率(%)                   比例(%) 率(%)
企业贷款                               1,868,153            50.29      2.42     1,815,874         51.17     2.71
制造业                                   328,592             8.85      6.37       305,290          8.60     6.27
房地产业                                 294,058             7.92      0.74       283,516          7.99     0.36
租赁和商务服务业                         269,405             7.25      0.36       265,795          7.49     0.32
水利、环境和公共设施管理业               159,805             4.30      0.08       165,400          4.66     0.13
批发和零售业                             144,727             3.90      7.09       207,144          5.84     8.57
建筑业                                   142,607             3.84      1.43       141,439          3.99     1.17
交通运输、仓储和邮政业                   135,335             3.64      0.84       125,359          3.53     0.72
金融业                                   103,452             2.78           -      56,467          1.59     0.01
采矿业                                    77,034             2.07      4.91        77,164          2.17     5.15
电力、热力、燃气及水生产和供应业          63,837             1.72      0.78        64,389          1.81     0.79
信息传输、软件和信息技术服务业            30,706             0.83      2.84        25,023          0.71     3.84

                                                       17
农、林、牧、渔业                      30,162          0.81   5.77         27,205        0.77      5.70
科学研究和技术服务业                  22,153          0.60   1.20         21,401        0.60      1.19
文化、体育和娱乐业                    19,448          0.52   0.51         10,573        0.30      0.51
卫生和社会工作                        14,133          0.38   0.28         11,837        0.33            -
教育                                  12,080          0.33      -         10,302        0.29      0.21
其他                                  20,619          0.55   1.39         17,570        0.50      1.45
票据贴现                             244,978          6.59      -        250,103        7.04            -
个人贷款                           1,601,764         43.12   1.41      1,483,228       41.79      1.28
总计                               3,714,895        100.00   1.83      3,549,205      100.00      1.92


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

                             2019 年 6 月 30 日                          2018 年 12 月 31 日
地区
                        账面余额            占比(%)               账面余额            占比(%)
总行                       530,102                   14.27             526,613                  14.84
长三角地区               1,086,193                   29.24           1,049,321                  29.55
珠三角及海西地区           367,190                    9.88             345,174                   9.73
环渤海地区                 455,975                   12.27             444,619                  12.53
中部地区                   507,760                   13.67             458,935                  12.93
西部地区                   492,452                   13.26             464,613                  13.09
东北地区                   188,916                    5.09             179,470                   5.06
境外及附属机构              86,307                    2.32              80,460                   2.27
合计                     3,714,895                  100.00           3,549,205                 100.00


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

                             2019 年 6 月 30 日                          2018 年 12 月 31 日
                        账面余额     比例   占比(%)               账面余额            占比(%)
信用贷款                 1,530,330不良率             41.20           1,325,740                  37.35
保证贷款                   714,370                   19.23             739,258                  20.83
抵押贷款                 1,266,480                   34.09           1,284,367                  36.19
质押贷款                   203,715                    5.48             199,840                   5.63
合计                     3,714,895                  100.00           3,549,205                 100.00




                                               18
       3.5.6 贷款迁徙率情况

                              2019 年 1-6 月                       2018 年                          2017 年
项目(%)
                         期末            平均               期末             平均          期末             平均
正常类贷款迁徙率              1.78             1.74           3.14              3.59             4.04              5.63
关注类贷款迁徙率             26.85        27.33              33.44             36.74            40.04             45.11
次级类贷款迁徙率             54.86        55.67              81.04             83.92            86.80             79.97
可疑类贷款迁徙率             35.49        33.29              57.72             48.10            38.47             53.02

       3.5.7 贷款损失准备计提情况
                                                                                                单位:人民币百万元
本集团                                                                 报告期
期初余额                                                                                                105,542
本期计提                                                                                                 35,561
本期核销                                                                                                -35,900
收回原核销贷款                                                                                            1,750
其他                                                                                                       -722
期末余额                                                                                                106,231
注:贷款减值准备金计提方法的说明:
(1)在资产负债表日对贷款的帐面价值进行检验,当有客观证据表明贷款发生减值的,且损失事件对贷款
的预计未来现金流会产生可以可靠估计的影响时,则将该贷款的账面价值减记至预计未来现金流量。预计
未来现金流量现值,按照该贷款原实际利率折现确定,并考虑相关担保物的价值;
(2)公司对单项金额重大的贷款单独进行减值测试,对单项金额不重大的贷款进行组合评估。单独测试未
发现减值的贷款,包括在具有类似信用风险特征的贷款组合中再进行组合评估;

(3)确认减值损失后,如有客观证据表明该贷款价值已恢复,且客观上与确认该损失后发生的事项有关,
原确认的减值损失予以转回,计入当期损益。

       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

                                          2019 年 6 月 30 日                            2018 年 12 月 31 日
项目
                                         本集团                     本行               本集团                  本行
资本总额                                 617,133                   604,049             599,114                587,655
其中:核心一级资本                       465,735                   454,203             444,926                434,850
        其他一级资本                      30,273                    29,920              30,278                 29,920
        二级资本                         121,125                   119,926             123,910                122,885
资本扣除项                                     9,887                26,504               9,806                 26,424
其中:核心一级资本扣减项                       9,887                26,504               9,806                 26,424
        其他一级资本扣减项                         -                       -                    -                     -
        二级资本扣减项                             -                       -                    -                     -
资本净额                                 607,246                   577,545             589,308                561,231
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

                                                       19
附加资本要求                                     -                   -                   -                    -
风险加权资产                          4,652,839           4,533,583           4,311,886           4,196,285
其中:信用风险加权资产                4,273,066           4,177,182           3,934,963           3,841,869
        市场风险加权资产                 59,949                51,307              57,099               49,322
        操作风险加权资产                319,824              305,094              319,824           305,094
核心一级资本充足率(%)                       9.80                9.43               10.09                9.73
一级资本充足率(%)                          10.45               10.09               10.79               10.45
资本充足率(%)                              13.05               12.74               13.67               13.37
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115.80亿元。

       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,公司对杠杆率指标进
行了计量。报告期末,本行杠杆率为 6.09%,较 2018 年末下降 0.31 个百分点;集团杠杆率
为 6.37%,较 2018 年末下降 0.31 个百分点。
                                                                                        单位:人民币百万元

                                        2019 年 6 月 30 日                        2018 年 12 月 31 日
项目
                                    本集团                本行                本集团              本行
一级资本净额                           486,121               457,619              465,398           438,346
调整后的表内外资产余额               7,633,066            7,516,534           6,969,609           6,853,657
杠杆率(%)                                  6.37                 6.09                6.68                6.40
       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                                                       2019 年 6 月 30 日
合格优质流动性资产                                                802,168
现金净流出量                                                      729,058
流动性覆盖率(%)                                                 110.03

       3.6.4 净稳定资金比例
                                                                                        单位:人民币百万元
本集团                           2019 年 6 月 30 日          2019 年 3 月 31 日         2018 年 12 月 31 日
净稳定资金比例(%)                             104.72                      100.66                      100.63
可用的稳定资金                               3,463,818                   3,338,665                3,218,481
所需的稳定资金                               3,307,783                   3,316,886                3,198,296



                                                     20
    3.6.5 公司近三年其他监管财务指标

                                                                    实际值
                                   截止报告期末
项目(%)                                             2019 年        2018 年       2017 年
                                    监管标准值
                                                     6 月 30 日    12 月 31 日    12 月 31 日
资本充足率                            ≥10.5             12.74         13.37         11.76
一级资本充足率                        ≥8.5              10.09         10.45          9.97
核心一级资本充足率                    ≥7.5               9.43          9.73          9.21
资产流动     人民币                    ≥25              49.59         56.05         58.87
性比率       本外币合计                ≥25              48.46         55.43         57.16
单一最大客户贷款占资本净额比率         ≤10               1.46          1.75          2.13
最大十家客户贷款占资本净额比率         ≤50               9.43         10.18         12.43
拨备覆盖率                            ≥130            158.05         156.38        133.39
贷款拨备率                            ≥1.8               2.83          2.94          2.81
注:(1)本表中资本充足率、资产流动性比率、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。


    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
    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,公司采用修订后的金融企业财务报表格式编制财务报表。同时,本期将票据买卖价
差从“其他业务收入”及“其他业务成本”调整至“投资损益”,上期比较数据同口径调整。
    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:2019 年 8 月 22 日
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