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北京银行(601169)公告正文

北京银行:2018年年度报告摘要

公告日期 2019-04-25
股票简称:北京银行 股票代码:601169
北京银行股份有限公司
BANK OF BEIJING CO., LTD.




   二〇一八年年度报告摘要
   (股票代码:601169)




        二〇一九年四月
        北京银行股份有限公司 2018 年年度报告摘要

一、重要提示

    1.1 本年度报告摘要摘自年度报告全文,报告全文同时刊载于上海证券交易
所网站。投资者欲全面了解本公司的经营成果、财务状况及未来发展规划,请仔
细阅读年度报告全文。
    1.2 本公司董事会、监事会及其董事、监事、高级管理人员保证本报告所载
资料不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容的真实性、准
确性和完整性负个别及连带责任。
    1.3 本年度报告(正文及摘要)于2019年4月23日经本公司董事会审议通过。
    杨书剑董事委托张东宁董事长代为出席会议并行使表决权。
    1.4 报告期利润分配预案或公积金转增股本预案。
    以2018年末总股本211.43亿股为基数,向全体股东每10股派送现金股利2.86
元人民币(含税),合计人民币60.47亿元(含税)。
    1.5 本公司年度财务报告已经安永华明会计师事务所(特殊普通合伙)审计,
并被出具了标准无保留意见的审计报告。
    1.6 公司简介
 普通股股票简称               北京银行              股票代码   601169
 优先股股票简称               北银优 1              股票代码   360018
 优先股股票简称               北银优 2              股票代码   360023
 股票上市交易所               上海证券交易所
 联系人和联系方式             董事会秘书
 姓名                         刘彦雷
 电话                         (86)10-66223826
 传真                         (86)10-66223833
 电子信箱                     snow@bankofbeijing.com.cn


二、主要财务数据和股东变化
    2.1 报告期主要利润指标
    1、整体利润指标
                                                               (单位:人民币百万元)
        项目                                                            报告期
        利润总额                                                        23,522
        归属于上市公司股东的净利润                                      20,002
        归属于上市公司股东的扣除非经常性损益后的净利润                  20,058
        主营业务利润                                                    23,446
        其他业务利润                                                       142
        营业利润                                                        23,588
        投资收益                                                           281
        营业外收支净额                                                     (66)
        经营活动产生的现金流量净额                                      37,167
                                               1
      注:数据按照《公开发行证券的公司信息披露规范问答第 1 号:非经常性损益》(2014 年修订)、《公
  开发行证券的公司信息披露内容与格式准则第 2 号》(2017 年修订)的要求确定和计算。


           扣除的非经常性损益项目涉及金额如下:
                                                                                   (单位:人民币百万元)
             非经常性损益                                                                    报告期
             营业外收入                                                                            79
             --政府补助收入                                                                        13
             --久悬未取款项收入                                                                     7
             --其它                                                                                59
             营业外支出                                                                          (145)
             --公益性捐赠支出                                                                    (112)
             --其它                                                                               (33)
             营业外收支净额                                                                       (66)
             非经常性损益影响所得税数                                                              17
             合计                                                                                 (49)


           2、分季度列示主要利润指标
                                                                                   (单位:人民币百万元)
     项目                                     一季度             二季度          三季度            四季度
     营业收入                                  13,716             13,650          13,751                14,371
     归属于上市公司股东的净利润                  5,785             6,069           4,773                 3,375
     归属于上市公司股东的扣除非经常性
                                                 5,776             6,097           4,770                 3,415
     损益后的净利润
     经营活动产生的现金流量净额               (27,862)            51,276         (26,658)               40,411


           2.2 报告期末前三年主要会计数据和财务指标
                                                                                   (单位:人民币百万元)
                      项目                          2018 年         2017 年          变化(%)              2016 年
营业收入                                               55,488        50,353                      10.20       47,456
利润总额                                               23,522        22,820                      3.08        22,298
归属于上市公司股东的净利润                             20,002        18,733                      6.77        17,802
归属于上市公司股东的扣除非经常性损益后的净利润         20,058        18,761                      6.91        17,830
基本每股收益(元)                                        0.91            0.99                   (8.08)          0.96
稀释每股收益(元)                                        0.91            0.99                   (8.08)          0.96
扣除非经常性损益后的基本每股收益(元)                    0.91            0.99                   (8.08)          0.97
每股经营活动产生的现金流量净额(元)                        1.76            0.59               198.31              (0.29)
                      项目                          2018 年         2017 年               变化              2016 年
加权平均净资产收益率(%)                                  11.65        13.77      下降 2.12 个百分点              14.92
扣除非经常性损益后的加权平均净资产收益率(%)              11.68        13.79      下降 2.11 个百分点              14.94
      注:1、有关指标根据《公开发行证券的公司信息披露内容与格式准则第 2 号—年度报告的内容与格式
  (2017 年修订)》及《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)规定计算。

                                                   2
            2、报告期内和 2017 年度每股经营活动产生的现金流量净额,按公司期末总股本 21,142,984,272
   股计算;2016 年度每股经营活动产生的现金流量净额,按调整后的股数 18,248,010,822 股重新计算。


                                                                                            (单位:人民币百万元)
                                                                                 本年末较上年
           项目                2018 年 12 月 31 日     2017 年 12 月 31 日                             2016 年 12 月 31 日
                                                                                 末增减(%)
资产总额                                 2,572,865               2,329,805                  10.43                2,116,339
负债总额                                 2,378,731               2,153,091                  10.48                1,972,560
归属于母公司的股东权益                     192,450                    174,844               10.07                  142,120
归属于上市公司普通股股
                                               8.26                      7.43               11.17                         6.81
东的每股净资产(元)
            注 : 报告 期 末 和 2017 年 末归 属 于上 市 公司 普通 股 股东的 每 股净 资 产, 按公 司 期末总 股 本
   21,142,984,272 股 计 算 ; 2016 年 末 归 属 于 上 市 公 司 普 通 股 股 东 的 每 股 净 资 产 , 按 调 整 后 的 股 数
   18,248,010,822 股重新计算。


           2.3 报告期末前三年主要业务信息及数据
                                                                                            (单位:人民币百万元)
                   项目                 2018 年 12 月 31 日           2017 年 12 月 31 日      2016 年 12 月 31 日
    存款总额                                       1,386,006                    1,268,698                  1,150,904
    其中:个人活期储蓄存款                             88,950                      73,564                      67,826
            个人定期储蓄存款                          201,147                     176,796                     162,097
            企业活期存款                              620,278                     599,060                     516,727
            企业定期存款                              396,967                     351,413                     333,735
            保证金存款                                 78,664                      67,865                      70,519
    贷款总额                                       1,261,811                    1,077,101                     899,907
    其中:公司贷款                                    883,167                     755,876                     618,711
            个人贷款                                  363,519                     308,594                     253,742
            贴现                                       15,125                      12,631                      27,454
    贷款损失准备                                       43,166                      38,078                      31,952


   2.4 报告期末前三年补充财务指标
                                                                                                         (单位:%)
                    项目                     2018 年 12 月 31 日        2017 年 12 月 31 日         2016 年 12 月 31 日
   资产利润率                                                  0.82                     0.85                      0.90
   资本利润率                                                10.89                     11.82                     13.76
   不良贷款率                                                  1.46                     1.24                      1.27
   拨备覆盖率                                              217.51                    265.57                     256.06
   拨贷比                                                      3.18                     3.30                      3.25
   成本收入比                                                25.19                     26.85                     25.81
   单一最大客户贷款比率                                        3.16                     3.29                      4.51
   最大十家客户贷款比率                                      18.48                     17.79                     19.25
   正常贷款迁徙率                                              0.83                     0.94                      1.60
   关注贷款迁徙率                                            89.25                      8.77                     58.49

                                                           3
  次级贷款迁徙率                                      74.43                      7.94                   63.07
  可疑贷款迁徙率                                      61.60                  35.85                      28.13
  流动性比例                                          55.93                  41.28                      50.10
  注:1、资产利润率=净利润/[(期初总资产+期末总资产)/2];资本利润率=归属于母公司的净利润/[(期
  初归属于母公司的股东权益+期末归属于母公司的股东权益)/2]。
      2、成本收入比=业务及管理费用/营业收入。
      3、正常、关注、次级、可疑贷款迁徙率为本行口径数据。
      4、其它指标根据中国银行业监管机构颁布的公式及依照监管口径计算。


       2.5 资本构成及变化情况
                                                                             (单位:人民币百万元)
                              2018 年 12 月 31 日          2017 年 12 月 31 日           2016 年 12 月 31 日
             项目
                            集团口径       本行口径       集团口径      本行口径        集团口径       本行口径
1.资本净额                    237,505        232,387          219,747     215,020         184,757        180,693
1.1 核心一级资本              175,718        173,856          158,006     156,275         125,114        123,810
1.2 核心一级资本扣减项                 4       2,206              10        2,392             12           2,277
1.3 核心一级资本净额          175,714        171,650          157,996     153,883         125,102        121,533
1.4 其他一级资本               17,944         17,841           17,926      17,841          17,909         17,841
1.5 其他一级资本扣减项                 -              -             -             -                -              -
1.6 一级资本净额              193,658        189,491          175,922     171,724         143,011        139,374
1.7 二级资本                   43,847         42,896           43,825      43,296          41,746         41,319
1.8 二级资本扣减项                     -              -             -             -                -              -
2.信用风险加权资产           1,860,704      1,827,031     1,675,205     1,648,208       1,427,028       1,405,113
3.市场风险加权资产             10,536         10,536            7,064       7,064           9,532          9,532
4.操作风险加权资产             95,810         93,665           88,681      86,966          78,128         78,917
5.风险加权资产合计           1,967,050      1,931,232     1,770,950     1,742,238       1,514,688      1,493,562
6.核心一级资本充足率            8.93%          8.89%           8.92%       8.83%           8.26%           8.14%
7.一级资本充足率                9.85%          9.81%           9.93%       9.86%           9.44%           9.33%
8.资本充足率                   12.07%         12.03%          12.41%      12.34%          12.20%         12.10%
9. 享受过渡期优惠政策的资本工具:按照《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过渡期内优惠政策,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 99.8 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 39.91 亿元。
  注:1、以上数据按照《商业银行资本管理办法(试行)》计算。
      2、核心一级资本净额=核心一级资本-核心一级资本扣减项。
      3、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。
      4、资本净额=一级资本净额+二级资本-二级资本扣减项。
      5、本集团符合资本充足率并表范围的附属公司包括:北银金融租赁有限公司、北京延庆村镇银行股份
  有限公司、浙江文成北银村镇银行股份有限公司、重庆秀山北银村镇银行股份有限公司、重庆永川北银村
  镇银行股份有限公司、云南马龙北银村镇银行股份有限公司、云南西山北银村镇银行股份有限公司、云南
  石屏北银村镇银行股份有限公司、云南新平北银村镇银行股份有限公司和云南元江北银村镇银行股份有限
  公司。
      6、根据《关于商业银行资本构成信息披露的监管要求》的规定,公司在官方网站
  (www.bankofbeijing.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
                                                    4
             主要特征等附表信息。


                  2.6 前10名股东持股情况表
                                                                                                  (单位:股)
       报告期末股东总数                173,595 户           本报告披露日前上一月末的普通股股东总数              177,442 户
                                                    前 10 名股东持股情况
                                     股东     持股比                                         持有有限售条      质押或冻结的
              股东名称                                     持股总数          报告期内增减
                                     性质     例(%)                                           件股份数量         股份数量
ING BANK N.V.                        外资      13.03      2,755,013,100                  0    265,486,726                    0
北京市国有资产经营有限责任公司       国有       8.63      1,825,228,052                  0    212,389,380                    0
北京能源集团有限责任公司             国有       8.59      1,815,551,275                  0    889,380,530                    0
新华联控股有限公司                   其他       8.57      1,812,681,243                  0                 0   1,809,188,742
阳光人寿保险股份有限公司-传统
                                     其他       3.41        720,000,000                  0    720,000,000                    0
保险产品
中国证券金融股份有限公司             国有       2.99        632,815,463       -261,256,712                 0                 0
北京联东投资(集团)有限公司         其他       2.35        496,964,389         27,740,781    265,486,726       456,162,300
三峡资本控股有限责任公司             国有       2.14        452,051,046        249,083,458                 0                 0
中国长江三峡集团有限公司             国有       1.88        398,230,088                  0    398,230,088                    0
香港中央结算有限公司                 其他       1.54        326,397,779        187,394,815                 0                 0
                                              前 10 名无限售条件股东持股情况
                         股东名称                           持有无限售条件股份数量                    股份种类
ING BANK N.V.                                                                2,489,526,374          人民币普通股
新华联控股有限公司                                                           1,812,681,243          人民币普通股
北京市国有资产经营有限责任公司                                               1,612,838,672          人民币普通股
北京能源集团有限责任公司                                                       926,170,745          人民币普通股
中国证券金融股份有限公司                                                       632,815,463          人民币普通股
三峡资本控股有限责任公司                                                       452,051,046          人民币普通股
香港中央结算有限公司                                                           326,397,779          人民币普通股
中央汇金资产管理有限责任公司                                                   315,487,440          人民币普通股
北京联东投资(集团)有限公司                                                   231,477,663          人民币普通股
世纪金源投资集团有限公司                                                       217,129,781          人民币普通股
           上述股东关联关系或一致行动的说明                               上述股东之间本行未知其关联关系。


                 2.7 公司与实际控制人之间的产权及控制关系的方框图
                 本行无控股股东及实际控制人,下图为持有本行股权5%以上股东情况及其控
             制关系。




                                                             5
 荷兰国际集团                                                                                         其他人
 (ING集团)




    ING银行              北京市国有资产         北京能源集团             新华联控股
                                                                                                  其他股东
(ING Bank N.V.)      经营有限责任公司         有限责任公司               有限公司




             13.03%                  8.63%                8.59%                    8.57%                    61.18%




                                             北京银行股份有限公司




        2.8 优先股股东情况
            2.8.1 本行优先股股东总数
        优先股代码:360018                                                          优先股简称:北银优 1
        截至报告期末优先股股东总数(户)                                                                 11
        年度报告披露日前上一月末的优先股股东总数(户)                                                 11


        优先股代码:360023                                                          优先股简称:北银优 2
        截至报告期末优先股股东总数(户)                                                                 16
        年度报告披露日前上一月末的优先股股东总数(户)                                                 16


             2.8.2 前10名优先股股东持股情况表
             优先股代码:360018           优先股简称:北银优 1
                                                                                            (单位:股)
                                                 报告期内股                                            质押或冻
                 股东名称(全称)                                期末持股数       比例(%)    股份类别
                                                 份增减变动                                             结情况
 中国平安财产保险股份有限公司-传统-普通保险
                                                          0       10,000,000      20.41      优先股              0
 产品
 中粮信托有限责任公司-中粮信托投资 1 号资金
                                                          0       10,000,000      20.41      优先股              0
 信托计划
 中邮创业基金-华夏银行-华夏银行股份有限公司             0         5,000,000     10.20      优先股              0
 中国平安人寿保险股份有限公司-自有资金                   0         5,000,000     10.20      优先股              0
 中国银行股份有限公司上海市分行                           0         4,900,000     10.00      优先股              0


                                                      6
德邦基金-平安银行-平安银行股份有限公司                  0       3,800,000      7.76     优先股             0
广东粤财信托有限公司-粤财信托.粤银 1 号证券投
                                                          0       3,000,000      6.12     优先股             0
资单一资金信托计划
博时基金-工商银行-博时-工行-灵活配置 5 号
                                                          0       3,000,000      6.12     优先股             0
特定多个客户资产管理计划
中银基金-中国银行-中国银行股份有限公司                  0       1,700,000      3.47     优先股             0
中银基金公司-中行-中国银行股份有限公司                  0       1,600,000      3.27     优先股             0
                                                 中国平安财产保险股份有限公司和中国平安人寿保险股份有限公
前十名优先股股东之间,上述股东与前十名普通股
                                                 司均为中国平安保险(集团)股份有限公司的控股子公司;中银基
股东之间存在关联关系或属于一致行动人的说明
                                                 金管理有限公司为中国银行股份有限公司之控股子公司。


           优先股代码:360023             优先股简称:北银优 2
                                                                                          (单位:股)
                                                 报告期内股                                        质押或冻
                 股东名称(全称)                                期末持股数     比例(%)   股份类别
                                                 份增减变动                                         结情况
德邦基金-平安银行-平安银行股份有限公司                   0     39,000,000     30.00     优先股             0
华安未来资产-海通证券-上海海通证券资产管理
                                                           0     15,000,000     11.54     优先股             0
有限公司
中国邮政储蓄银行股份有限公司                               0     13,000,000     10.00     优先股             0
博时基金-工商银行-博时-工行-灵活配置 5 号
                                                           0     13,000,000     10.00     优先股             0
特定多个客户资产管理计划
华润深国投信托有限公司-投资 1 号单一资金信托              0     10,000,000      7.69     优先股             0
华宝信托有限责任公司-投资 2 号资金信托                    0     10,000,000      7.69     优先股             0
广发证券资管-工商银行-广发证券稳利 3 号集合
                                                           0      6,500,000      5.00     优先股             0
资产管理计划
杭州银行股份有限公司-“幸福 99”丰裕盈家 KF01
                                                           0      5,000,000      3.85     优先股             0
号银行理财计划
广东粤财信托有限公司-粤财信托.粤银 1 号证券投
                                                           0      5,000,000      3.85     优先股             0
资单一资金信托计划
中信银行股份有限公司-中信理财之乐赢系列                   0      4,000,000      3.08     优先股             0
前十名优先股股东之间,上述股东与前十名普通股     本行未知前十名优先股股东之间、上述股东与前十名普通股股东
股东之间存在关联关系或属于一致行动人的说明       之间是否存在关联关系或属于一致行动人。


     三、经营情况讨论与分析
         3.1 经营情况综述
         2018 年,面对复杂严峻的宏观形势和更加激烈的市场竞争,北京银行全体
     干部员工精诚团结、奋勇拼搏,改革创新、攻坚克难,在实现行稳致远、打造百
     年老店的道路上迈出新的步伐。
         业绩品牌实现稳步提升。截至 2018 年末,全行表内外总资产达到 3.31 万亿
     元;2018 年度归母净利润 200 亿元,同比增长 6.77%;成本收入比 25.19%,人
     均创利超过 130 万元,经营绩效保持上市银行优秀水平;不良贷款率 1.46%,拨
     备覆盖率 217.51%,拨贷比 3.18%,不良率保持行业低位,风险抵御能力在经济
     转型期持续增强。全行品牌价值提升至 449 亿元,位列中国银行业第 7 位;一级
                                                     7
资本在全球千家大银行排名提升至第 63 位,连续五年跻身全球百强银行。特别
是,北京银行作为唯一金融企业代表,参加中荷经贸论坛,在李克强总理和荷兰
首相吕特的共同见证下,与 ING 签署设立合资银行谅解备忘录,极大提升了北京
银行品牌的国际影响力,成为中小银行推进金融开放的标志性事件。
    发展战略取得新的突破。深入推进“建设十大银行”重大战略,制定实施“2018
年十大工程”,引领全行各项事业不断开创新局面、取得新进展。持续深耕区域
布局,宁波分行获批开业,南通分行获批筹建,截至报告期末,全行已开业分支
机构总数达到 632 家。持续升级特色金融品牌,率先成立总行级科技金融创新中
心和首家银行系文化创客中心,以体制机制变革引领科技、文化金融发展潮流。
    各项业务呈现良好态势。公司业务紧紧围绕客户精耕细作,稳中提质。探索
小微企业网络融资新模式,推出小微企业“永续贷”“农旅贷”等特色产品,公
司业务产品竞争力进一步增强。零售业务深化经营转型。客户数突破 2,050 万户,
零售存、贷款实现行内占比和市场份额的双提升。富民直通车首开跨界合作先河,
推出京东联名富民卡,业内首推全流程线上签证业务“悦行世界签”,蝉联亚洲
银行家“最佳城市商业零售银行”奖。金融市场业务切实发挥业务“增长极”、
结构“平衡器”和客户“黏着剂”职能,发布“丝路汇通”服务品牌、推出自贸
区外币债券投资等新产品,轻资本业务占比明显提升,业务结构继续优化。特别
是,成立总行跨部门线上业务专业团队,启动全行线上系统平台搭建,为“线上
再造一个北京银行”奠定发展基础。
    风险管理得到持续加强。严格落实银行业市场乱象治理和监管工作要求,持
续强化全面风险管理,加快风控指挥中心二期建设。持续提升风险管理的前瞻性
和主动性,建立“一人一表”独立风险管理考核机制,加强风险协同联动管理,
强化信贷投向引导和业务规划,进一步促进全行业务转型。加强合规文化建设,
持续提升体系文件的有效性、适用性。加大不良“双控”力度,有效确保公司资
产质量保持上市银行优秀水平。
    管理基础持续优化夯实。在公司治理方面,将股权管理相关规定纳入公司章
程。在财务管理方面,强化资源配置挂钩机制,持续完善考核激励政策,做好新
金融工具会计准则顺利实施各项准备。在数据管理方面,重点挖掘医保、代发工
资、工会卡客群精准化营销,打造数据分析师队伍。在运营管理方面,深入推进
网点流程优化,强化线上、线下业务办理互通。在内部审计方面,开展各类审计
项目,促进内控管理持续完善。在安全稳定方面,推进安全保卫工作和案件防控
工作规范化、专业化、科技化发展。
    科技建设加快发展步伐。探索设立金融科技子公司,打造科技创新的新引擎。
加快提升智慧服务供给能力,合力推进理财推荐、知识图谱、风险滤镜等人工智
能项目,积极研发大数据服务产品,全面升级手机银行 4.0,应用生物识别技术,
打造智能客服、智能导航、智能推送三大智能服务,全面提升用户体验。建立科
技服务承诺机制,开展敏捷开发试点,推进自动化运维管理体系建设。全力推进
顺义科技研发中心建设工程。以创新实验室为平台,持续推进智慧银行建设,积
极探索数字化转型道路。

    3.2 主营业务分析
    (一)主要利润表项目
    报告期内,本公司实现营业收入 554.88 亿元,实现归属于母公司股东的净
利润 200.02 亿元,分别较上年同期增长 10.20%和 6.77%。下表列出报告期内本
                                    8
公司利润表主要项目:
                                                                                      (单位:人民币百万元)
    项目                                                 2018 年            2017 年      同比增减(%)
    一、营业收入                                      55,488             50,353                 10.20
    其中:利息净收入                                  45,553             39,376                 15.69
            手续费及佣金净收入                            8,879          10,579                (16.07)
    二、营业支出                                      (31,900)          (27,488)                16.05
    其中:业务及管理费                                (13,978)          (13,522)                 3.37
    三、营业利润                                      23,588             22,865                  3.16
    四、利润总额                                      23,522             22,820                  3.08
    五、净利润                                        20,137             18,882                  6.65
    其中:归属于母公司股东的净利润                    20,002             18,733                  6.77


    (二)利润表中变化幅度超过 30%的项目及变化原因
                                                                                      (单位:人民币百万元)
        项目              2018 年       2017 年          增减幅度(%)                   主要原因
 公允价值变动损益                455         (80)                  不适用     公允价值变动损益由亏转盈
 汇兑损益                        161         (41)                  不适用     汇兑损益由亏转盈
 营业外收入                      79           36                   119.44     营业外收入增加
 营业外支出                  (145)           (81)                   79.01     营业外支出增加


    (三)营业收入
    1、报告期各项业务收入构成情况
    报告期内,本公司的业务收入主要来源于利息收入和手续费及佣金收入。全
年实现业务收入 1,170.10 亿元,较上年同期增长 14.98%。下表列出报告期本公
司各项业务收入构成及变动情况:
                                                                                      (单位:人民币百万元)
 项目                                             金额                  占比(%)            同比增减(%)
 发放贷款及垫款利息收入                       55,540                           47.47                  23.02
 拆出资金利息收入                                 3,053                         2.61                  16.57
 买入返售金融资产利息收入                         2,102                         1.80                  14.74
 存放中央银行利息收入                             2,902                         2.48                   9.10
 存放同业利息收入                                 1,756                         1.50                (62.74)
 债券及其他投资利息收入                       41,107                           35.13                  23.68
 手续费及佣金收入                                 9,494                         8.11                (14.89)
 其他项目                                         1,056                         0.90                165.33
 合计                                        117,010                          100.00                  14.98


    2、报告期营业收入地区分布情况
                                                                                      (单位:人民币百万元)
                 地区                  营业收入                    利润总额                资产总额
    北京地区                                 40,840                         24,244           1,858,403
    天津地区                                       341                      (5,612)             43,564

                                                  9
    上海地区                                1,140                     66             103,073
    陕西地区                                2,089                  1,161              84,790
    深圳地区                                1,979                    502              97,160
    浙江地区                                1,500                    243              78,488
    湖南地区                                1,527                    970              57,657
    江苏地区                                1,751                    869              71,473
    山东地区                                1,910                   (113)             79,576
    江西地区                                1,283                    761              52,789
    河北地区                                  618                    265              25,058
    乌鲁木齐地区                              470                    208              19,331
    其他地区                                  40                    (42)               1,503
    合计                                   55,488                 23,522           2,572,865


    (四)利息净收入
    报告期内,本公司实现利息净收入 455.53 亿元,同比增长 15.69%,是本公
司营业收入的主要组成部分。利息净收入增长的主要因素是生息资产规模增长和
净息差的提升。下表列出报告期内本公司利息净收入构成及增长情况:
                                                                           (单位:人民币百万元)
                                 2018 年                    2017 年
            项目                                                                   同比增幅(%)
                          金额       占比(%)       金额           占比(%)
 利息收入
 ——存放中央银行          2,902             2.73      2,660                2.95          9.10
 ——存放同业款项          1,756             1.65      4,713                5.23        (62.74)
 ——拆出资金              3,053             2.87      2,619                2.90         16.57
 ——发放贷款和垫款        55,540           52.17     45,148               50.05         23.02
 其中:个人贷款和垫款      15,216           14.29     12,747               14.13         19.37
      公司贷款和垫款       39,826           37.41     31,457               34.87         26.60
      票据贴现               498             0.47           944             1.05        (47.25)
 ——买入返售金融资产      2,102             1.97      1,832                2.03         14.74
 ——债券及其他投资        41,107           38.61     33,237               36.84         23.68
 收入小计                 106,460          100.00     90,209           100.00            18.01
 利息支出
 ——向中央银行借款        1,931             3.17      1,534                3.02         25.88
 ——同业及其他金融机构
                           13,446           22.08     12,398               24.39          8.45
 存放款项
 ——拆入资金              3,034             4.98      1,838                3.62         65.07
 ——吸收存款              23,625           38.79     19,538               38.43         20.92
 ——卖出回购金融资产款      864             1.42      1,214                2.39        (28.83)
 ——应付债券              18,007           29.56     14,311               28.15         25.83
 支出小计                  60,907          100.00     50,833           100.00            19.82
 利息净收入                45,553                -    39,376                  -          15.69


    (五)手续费及佣金净收入
                                            10
    报告期内,本公司实现手续费及佣金净收入 88.79 亿元,同比下降 16.07%。
下表列出报告期内手续费及佣金净收入构成情况:
                                                                          (单位:人民币百万元)
      项目                                             2018 年                      2017 年
      手续费及佣金收入
      —代理及委托业务                                   3,608                        4,454
      —承销及咨询业务                                   1,647                        2,355
      —保函及承诺业务                                   1,373                        1,550
      —结算及清算业务                                     823                          718
      —银行卡业务                                         610                          634
      —其他                                             1,433                        1,444
      小计                                               9,494                       11,155
      手续费及佣金支出                                     615                          576
      手续费及佣金净收入                                 8,879                       10,579


    (六)业务及管理费
    报告期内,本公司业务及管理费支出 139.78 亿元,同比增长 3.37%;成本
收入比 25.19%,继续保持优秀水平。下表为本公司业务及管理费构成情况:
                                                                          (单位:人民币百万元)
           项目                                       2018 年                     2017 年
           员工薪酬                                    6,871                       6,744
           办公费                                      2,637                       2,474
           业务宣传及发展费用                          1,528                       1,356
           租赁费                                      1,562                       1,506
           固定资产折旧                                  586                         547
           其他                                          794                         895
           合计                                       13,978                      13,522


    3.3 资产、负债状况分析
    (一)概览
    截至报告期末,本公司资产总额 25,728.65 亿元,较年初增长 10.43%。负
债总额 23,787.31 亿元,较年初增长 10.48%。股东权益 1,941.34 亿元,较年
初增长 9.86%,规模实现均衡稳健增长。主要资产负债情况见下表:
                                                                       (单位:人民币百万元)
           项目                 2018 年 12 月 31 日         2017 年 12 月 31 日     增减幅度(%)
现金及存放中央银行款项                    214,901                     184,714                 16.34
同业间往来                                154,144                     213,678               (27.86)
贷款及垫款净额                          1,218,645                   1,039,023                 17.29
应收款项类投资                            416,909                     391,399                  6.52
金融投资                                  512,289                     453,467                 12.97
资产总计                                2,572,865                   2,329,805                 10.43
向中央银行借款                              64,112                      53,500                19.84
同业间往来                                450,815                     379,005                 18.95

                                              11
   吸收存款                                        1,386,006                        1,268,698                 9.25
     -公司存款                                     1,095,909                        1,018,338                 7.62
     -储蓄存款                                       290,097                          250,360             15.87
   应付债券                                          405,602                          398,340                 1.82
   负债总计                                        2,378,731                        2,153,091             10.48
   股东权益合计                                      194,134                         176,714                  9.86
   负债及股东权益合计                              2,572,865                        2,329,805             10.43


          (二)资产负债表中变化幅度超过 30%的项目及变化原因
                                                                                      (单位:人民币百万元)
         项目          2018 年 12 月 31 日      2017 年 12 月 31 日      增减幅度(%)              主要原因
存放同业及其他金                                                                           存放同业及其他金融机构
                                    42,356                 87,200                (51.43)
融机构款项                                                                                 款项减少
贵金属                                   355                   124               186.29    持有贵金属增加
买入返售金融资产                    43,001                 63,072                (31.82)   买入返售金融资产减少
长期股权投资                            2,325                 1,760               32.10    长期股权投资增加
固定资产                            15,799                 11,599                 36.21    固定资产增加
拆入资金                            68,552                 49,533                 38.40    拆入资金增加
卖出回购金融资产                    21,334                 31,172                (31.56)   卖出回购金融资产减少
其他负债                            45,930                 28,959                 58.60    其他负债增加
                                                                                           可供出售金融资产公允价
其他综合收益                            1,646              (2,344)                不适用
                                                                                           值变动


          (三)主要资产项目
          1、贷款
          (1)报告期末,合并口径贷款(含贴现)的行业分布情况
                                                                                     (单位:人民币百万元)
                                 行业                                 账面余额             占比(%)
            租赁和商务服务业                                              144,153                       11
            制造业                                                        131,182                       10
            房地产业                                                      121,108                       10
            批发和零售业                                                  102,173                         8
            水利、环境和公共设施管理业                                     95,967                         8
            建筑业                                                         70,427                         6
            交通运输、仓储和邮政业                                         46,920                         4
            电力、热力、燃气及水生产和供应业                               41,873                         3
            信息传输、软件和信息技术服务业                                 38,286                         3
            采矿业                                                         20,755                         2
            文化、体育和娱乐业                                             18,604                         1
            其他                                                          430,363                       34
            合计                                                        1,261,811                      100


          (2)报告期末,合并口径贷款按地区分布情况
                                                         12
                                                                (单位:人民币百万元)
                  贷款地区           账面余额                  占比(%)
       北京地区                                 580,968                     46
       上海地区                                  97,992                     8
       深圳地区                                  91,251                     7
       山东地区                                  76,930                     6
       浙江地区                                  75,858                     6
       陕西地区                                  74,037                     6
       江苏地区                                  68,703                     5
       湖南地区                                  54,060                     4
       天津地区                                  46,914                     4
       其他地区                                  95,098                     8
       合计                                1,261,811                       100


   (3)报告期末,合并贷款按担保方式分布情况
                                                             (单位:人民币百万元)
                  担保方式           账面余额                  占比(%)
     信用贷款                               224,062                          18
     保证贷款                               445,239                          35
     附担保物贷款
       —抵押贷款                           489,654                          39
       —质押贷款                           102,856                              8
     合计                                 1,261,811                         100


   (4)期末占贷款总额 20%(含 20%)以上贴息贷款情况
   □适用 √不适用

   (5)全行前十名贷款客户情况
                    客户         期末余额(百万)         占资本净额百分比(%)
     客户 A                                     7,498                      3.16
     客户 B                                     6,134                      2.58
     客户 C                                     4,815                      2.03
     客户 D                                     4,635                      1.95
     客户 E                                     4,127                      1.74
     客户 F                                     3,520                      1.48
     客户 G                                     3,520                      1.48
     客户 H                                     3,352                      1.41
     客户 I                                     3,300                      1.39
     客户 J                                     3,000                      1.26


    2、买入返售金融资产
    截至报告期末,公司买入返售金融资产余额 430.01 亿元,较年初下降
31.82%。具体情况见下表:
                                    13
                                                              (单位:人民币百万元)
     项目                           2018 年 12 月 31 日        2017 年 12 月 31 日
     债券,按发行人
     —政府                                        7,339                   5,938
     —政策性银行                                 27,848                 23,839
     —金融机构                                    3,433                 26,829
     —企业及其他                                  4,431                   6,516
     小计                                         43,051                 63,122
     减:减值准备                                    (50)                    (50)
     净值                                         43,001                 63,072


    3、可供出售金融资产
    截至报告期末,公司持有可供出售金融资产余额达到 2,342.90 亿元,较年
初增长 27.16%。具体情况见下表:
                                                                 (单位:人民币百万元)
      项目                          2018 年 12 月 31 日       2017 年 12 月 31 日
      债券,按发行人
      —政府                                      92,337                  48,945
      —政策性银行                                46,218                  52,348
      —金融机构                                  13,600                  28,930
      —企业                                        3,612                  2,020
      权益工具—以成本计量                            354                    354
      基金                                        69,369                  42,878
      同业理财产品及其他                            8,800                  8,780
      合计                                       234,290                 184,255


    4、持有至到期投资
    截至报告期末,公司持有至到期投资余额 2,285.81 亿元,较年初增长
1.10%。具体情况见下表:
                                                                 (单位:人民币百万元)
     项目                               2018 年 12 月 31 日    2017 年 12 月 31 日
     债券,按发行人
     —政府                                      171,538                 167,362
     —政策性银行                                 30,088                  32,724
     —金融机构                                   18,366                  22,531
     —企业                                         8,719                  3,531
     小计                                        228,711                 226,148
     减:减值准备                                    (130)                   (53)
     净值                                        228,581                 226,095


    (四)主要负债项目
    1、存款
       截至报告期末,本公司存款余额 13,860.06 亿元,较年初增长 9.25%;其
                                   14
  中储蓄存款 2,900.97 亿元,增长 15.87%,在全部存款中的占比为 20.93%,较
  年初提升 1.20 个百分点。详细存款情况如下:
                                                             (单位:人民币百万元)
     项目                          2018 年 12 月 31 日    2017 年 12 月 31 日
     活期公司存款                               620,278               599,060
     活期储蓄存款                                88,950                73,564
     定期公司存款                               396,967               351,413
     定期储蓄存款                               201,147               176,796
     保证金存款                                  78,664                67,865
     合计                                     1,386,006             1,268,698


    2、同业及其他金融机构存放款项
    截至报告期末,本公司同业及其他金融机构存放款项余额 3,609.29 亿元,
较年初增长 21.00%。具体情况见下表:
                                                             (单位:人民币百万元)
                    项目           2018 年 12 月 31 日    2017 年 12 月 31 日
     境内银行存放                                78,355                88,702
     境内非银行金融机构存放                     281,961               208,788
     境外银行存放                                   613                    810
     合计                                       360,929               298,300


四 财务报告情况说明
     4.1 与最近一期年度报告相比,会计政策、会计估计和核算方法发生变化的
具体说明。
    □适用 √不适用

    4.2 重大会计差错的内容、更正金额、原因及其影响。
    □适用 √不适用

    4.3 与最近一期年度报告相比,合并范围发生变化的具体说明。
    √适用    □不适用
    2018 年 11 月 27 日(股权稀释日)中加基金引入新投资者,注册资本由人
民币 30,000 万元变更为人民币 46,500 万元。本行的持股比例从 62%稀释至 44%,
对中加基金不再拥有控制权。因此,本行不再将其纳入合并报表的范围。

    4.4 董事会、监事会对会计师事务所“非标准审计报告”的说明。
    □适用    √不适用


                                                       董事长:张东宁
                                                 北京银行股份有限公司董事会
                                                   二零一九年四月二十三日


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