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中国平安(601318)公告正文

中国平安:平安银行股份有限公司2014年半年度报告摘要

公告日期 2014-08-14
股票简称:中国平安 股票代码:601318
证券代码:000001                      证券简称:平安银行                          公告编号:2014-036




           平安银行股份有限公司 2014 年半年度报告摘要


    一、重要提示
    1、本半年度报告摘要来自半年度报告全文,投资者欲了解详细内容,应当仔细阅读同时刊载于
巨潮资讯网或深圳证券交易所网站等中国证监会指定网站上的半年度报告全文。
    2、公司简介

 股票简称                           平安银行                   股票代码                        000001

 变更后的股票简称(如有)             无

 股票上市交易所                     深圳证券交易所

 联系人和联系方式                   董事会秘书                              证券事务代表

 姓名                               周强                                    吕旭光

 电话                               (0755)82080387                        (0755)82080387

 传真                               (0755)82080386                        (0755)82080386

 电子信箱                           pabdsh@pingan.com.cn                    pabdsh@pingan.com.cn



    二、主要财务数据及股东变化
    (一)主要财务数据
    公司是否因会计政策变更及会计差错更正等追溯调整或重述以前年度会计数据
    □是 √否
    1、经营业绩
                                                                               (货币单位:人民币百万元)
                                                     2014 年       2013 年           2013 年        本期同比
                    项     目
                                                     1-6 月        1-6 月            1-12 月            增减
营业收入                                                34,733        23,426            52,189           48.27%
资产减值损失前营业利润                                  18,997        12,496            26,845           52.02%
资产减值损失                                             5,652         2,602             6,890          117.22%
营业利润                                                13,345         9,894            19,955           34.88%
利润总额                                                13,328         9,906            20,040           34.54%
净利润                                                  10,072         7,531            15,231           33.74%
归属于母公司股东的净利润                                10,072         7,531            15,231           33.74%
归属于母公司股东的扣除非经常性损益后的净利润            10,085         7,522            15,166           34.07%


                                                 1
每股指标:

基本每股收益(元)                                       0.88             0.77               1.55       14.95%
稀释每股收益(元)                                       0.88             0.77               1.55       14.95%
扣除非经常性损益后的基本每股收益(元)                   0.88             0.76               1.33       15.79%
现金流情况:

经营活动产生的现金流量净额                             53,424           28,800           91,674         85.50%

每股经营活动产生的现金流量净额(元)                     4.68             2.93               8.02       59.73%

       注:本行 2013 年度利润分配方案在报告期内实施完毕。本行 2013 年度利润分配方案为:以 2013
年 12 月 31 日的本行总股本 9,521 百万股为基数,向全体股东每 10 股派发现金股利人民币 1.60 元(含
税),以资本公积金向全体股东每 10 股转增 2 股。
       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》的规定,需按调整后的股数重新计算各比较期间的每股收益。上表各比较期的每股收益、每股
经营活动产生的现金流量净额均按调整后的股数重新计算。


       报告期末至半年度报告披露日股本是否因发行新股、增发、配股、股权激励行权、回购等原因
发生变化且影响所有者权益金额
       □是 √否


       非经常性损益项目及金额
                                                                                 (货币单位:人民币百万元)

                       项   目                     2014 年 1-6 月       2013 年 1-6 月         2013 年 1-12 月

非流动性资产处置损益
                                                                 (6)                     -                   11
(固定资产、抵债资产、长期股权投资处置损益)

或有事项产生的损益(预计负债)                                   (3)                     -                  53

除上述各项之外的其他营业外收入和支出                             (8)                   12                   21

所得税影响                                                          4                 (3)                  (20)

合计                                                            (13)                     9                  65

       注:非经常性损益根据《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损益》
的定义计算。


       公司报告期不存在将根据《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损益》
定义、列举的非经常性损益项目界定为经常性损益的项目的情形。




                                               2
     2、盈利能力指标
                                                                                                           (单位:%)
                                                             2014 年        2013 年        2013 年
                         项目                                                                             本期同比增减
                                                              1-6 月         1-6 月        1-12 月
总资产收益率(未年化)                                            0.47             0.41        0.81   +0.06 个百分点

总资产收益率(年化)                                              0.94             0.82        0.81   +0.12 个百分点

平均总资产收益率(未年化)                                        0.50             0.44        0.87   +0.06 个百分点

平均总资产收益率(年化)                                          1.00             0.88        0.87   +0.12 个百分点

全面摊薄净资产收益率(未年化)                                    8.33             8.23       13.59   +0.10 个百分点

全面摊薄净资产收益率(年化)                                     15.38            15.20       13.59   +0.18 个百分点

全面摊薄净资产收益率(扣除非经常性损益)(未年化)                8.34             8.22       13.53   +0.12 个百分点

全面摊薄净资产收益率(扣除非经常性损益)(年化)                 15.40            15.18       13.53   +0.22 个百分点

加权平均净资产收益率(未年化)                                    8.62             8.52       16.57   +0.10 个百分点

加权平均净资产收益率(年化)                                     16.61            16.40       16.57   +0.21 个百分点

加权平均净资产收益率(扣除非经常性损益)(未年化)                8.63             8.51       16.50   +0.12 个百分点

加权平均净资产收益率(扣除非经常性损益)(年化)                 16.63            16.38       16.50   +0.25 个百分点

成本收入比                                                       37.59            38.87       40.77   -1.28 个百分点

信贷成本(年化)                                                  1.18             0.68        0.84   +0.50 个百分点

净利差(NIS)                                                     2.32             2.03        2.14   +0.29 个百分点

净息差(NIM)                                                     2.50             2.19        2.31   +0.31 个百分点
    注:信贷成本=当期信贷拨备/当期平均贷款余额(含贴现);净利差=平均生息资产收益率-平
均计息负债成本率;净息差=净利息收入/平均生息资产余额。


     3、资产负债情况
                                                                                          (货币单位:人民币百万元)
                                                                                                            期末比上年
               项   目           2014 年 6 月 30 日       2013 年 12 月 31 日       2012 年 12 月 31 日
                                                                                                              末增减
一、资产总额                              2,136,475                1,891,741                  1,606,537         12.94%
其中:交易性金融资产及衍生金融
                                             27,957                      13,818                  5,205         102.32%
      资产
      持有至到期投资                        198,848                    195,667                 103,124           1.63%

      贷款和应收款                        1,579,381                1,404,731                  1,162,415         12.43%

      可供出售金融资产                        1,287                        467                  89,896         175.59%

      商誉                                    7,568                       7,568                  7,568                   -

      其他                                  321,434                    269,490                 238,329          19.27%

二、负债总额                              2,015,535                1,779,660                  1,521,738         13.25%
其中:交易性金融负债及衍生金融
                                              8,213                       6,606                  2,674          24.33%
      负债
      拆入资金                               18,765                      22,633                 39,068         (17.09%)


                                                      3
       吸收存款                             1,508,904                1,217,002               1,021,108              23.99%

       其他                                   479,653                  533,419                 458,888             (10.08%)

三、股东权益                                  120,940                  112,081                    84,799             7.90%

其中:归属于母公司股东权益                    120,940                  112,081                    84,799             7.90%
归 属 于 母公 司 股东 的 每股 净资 产
                                                   10.59                    9.81                    8.62             7.90%
(元)
四、存款总额                                1,508,904                1,217,002               1,021,108              23.99%

其中:公司存款                              1,246,993                1,005,337                 839,949              24.04%

       零售存款                                  261,911               211,665                 181,159              23.74%

五、贷款总额                                  938,227                  847,289                 720,780              10.73%

其中:公司贷款                                584,328                  521,639                 494,945              12.02%

            一般性公司贷款                    567,799                  509,301                 484,535              11.49%

            贴现                                  16,529                  12,338                  10,410            33.97%

      零售贷款                                255,214                  238,816                 176,110               6.87%

      信用卡应收账款                              98,685                  86,834                  49,725            13.65%

贷款减值准备                                  (17,179)                (15,162)                 (12,518)             13.30%

贷款及垫款净值                                921,048                  832,127                 708,262              10.69%

      注:报告期内,本行实施 2013 年度利润分配,以资本公积金向全体股东每 10 股转增 2 股,上
表各比较期归属于母公司股东的每股净资产按调整后的股数重新计算。


      4、截至报告期末近三年补充财务指标
                                                                                                             (单位:%)
                                                       2014 年6 月30 日       2013 年12 月31 日       2012 年12 月31 日
                   财务指标               标准值
                                                       期末        月均        年末        月均        年末           月均
                     人民币               ≥25             67.57    61.00          50.00    49.72          51.31      58.17
流动性比例           外币                 ≥25         105.99       73.23          44.33    73.23          88.90      79.25
                     本外币               ≥25             70.52    61.97          49.56    50.41          51.99      58.20
存贷款比例
                     本外币               ≤75             62.21    65.18          69.67    69.68          70.64      72.73
(含贴现)
存贷款比例
                     本外币               不适用           60.98    64.28          68.64    68.61          69.61      69.81
(不含贴现)
不良贷款率                                 ≤5              0.92     0.91           0.89     0.97           0.95       0.74

根据《商业银行       资本充足率           ≥10.5           11.02   不适用           9.90   不适用     不适用        不适用
资本管理办法         一级资本充足率       ≥8.5             8.73   不适用           8.56   不适用     不适用        不适用
(试行)》(注)     核心一级资本充足率   ≥7.5             8.73   不适用           8.56   不适用     不适用        不适用
根据《商业银行       资本充足率            ≥8             11.97    11.71          11.04    10.29          11.37      11.43
资本充足率管
                     核心资本充足率        ≥4              9.43     9.48           9.41     8.32           8.59       8.53
理办法》等
单一最大客户贷款占资本净额比率            ≤10              3.56     4.21           4.73     4.49           2.95       3.33

                                                           4
          最大十家客户贷款占资本净额比率               不适用       20.97       20.42      20.88        23.21     15.60       17.87
          累计外汇敞口头寸占资本净额比率                ≤20         0.39     不适用        0.65       不适用      1.38     不适用
          正常类贷款迁徙率                             不适用        2.23     不适用        4.78       不适用      2.03     不适用
          关注类贷款迁徙率                             不适用       15.93     不适用       37.77       不适用     53.38     不适用
          次级类贷款迁徙率                             不适用       36.56     不适用       43.61       不适用     43.28     不适用
          可疑类贷款迁徙率                             不适用       49.35     不适用       88.70       不适用     78.22     不适用
          成本收入比(不含营业税)                     不适用       37.59     不适用       40.77       不适用     39.41     不适用
          拨备覆盖率                                   不适用      198.18     不适用      201.06       不适用    182.32     不适用
          拨贷比                                       不适用        1.83     不适用        1.79       不适用      1.74     不适用

               注:根据银监会《商业银行资本管理办法(试行)》的规定,商业银行应在 2018 年底前达到资
          本充足率监管要求(资本充足率、一级资本充足率、核心一级资本充足率分别为 10.5%、8.5%、7.5%),
          可在过渡期内分步达标。根据银监会《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》的规定,2014 年适用的标准值分别为 8.9%、6.9%、5.9%。


               (二)前 10 名普通股股东持股情况表
                                                                                                          (单位:股)
 报告期末普通股                           报告期末表决权恢复的
                       298,305 户                                         -    截至披露前一交易日总股本                11,424,894,787 股
     股东总数                                优先股股东总数
前 10 名股东持股情况
                                           持股                                                                            质押或冻结情况
                                                                    报告期内         持有有限售条       持有无限售条
         股东名称             股东性质     比例     持股总数
                                                                      增减             件股份数量       件股份数量      股份状态      数量
                                           (%)
中国平安保险(集团)股份有
                              境内法人     50.20   5,734,892,419    955,815,403      4,733,668,364     1,001,224,055           -             -
限公司-集团本级-自有资金
中国平安人寿保险股份有
                              境内法人      6.38    728,793,600     121,465,600                    -     728,793,600           -             -
限公司-自有资金
中国平安人寿保险股份有限
                              境内法人      2.37    270,649,974         45,108,329                 -     270,649,974           -             -
公司-传统-普通保险产品
深圳中电投资股份有限公司      境内法人      1.56    178,305,379         29,717,563                 -     178,305,379           -             -
葛卫东                       境内自然人     1.25    143,218,435     (25,719,144)                   -     143,218,435       质押    78,216,000
东方证券股份有限公司约
                              境内法人      0.79     90,120,000         87,721,200                 -      90,120,000           -             -
定购回专用账户
南方东英资产管理有限公司-
                              境外法人      0.52     58,874,728         19,010,323                 -      58,874,728           -             -
南方富时中国 A50ETF
中国民生银行股份有限公
司-银华深证 100 指数分       境内法人      0.49     56,509,423          6,551,342                 -      56,509,423           -             -
级证券投资基金
全国社保基金一零三组合        境内法人      0.37     41,999,924          7,000,543                 -      41,999,924           -             -
中国工商银行-融通深证
                              境内法人      0.34     38,954,254          2,796,626                 -      38,954,254           -             -
100 指数证券投资基金
战略投资者或一般法人因
配售新股成为前 10 名股东                                                             无
的情况(如有)
                                                                    5
                         1、中国平安人寿保险股份有限公司为中国平安保险(集团)股份有限公司控股子公司和一致行动人,“中
上述股东关联关系或一致   国平安保险(集团)股份有限公司-集团本级-自有资金”、“中国平安人寿保险股份有限公司-自有资金”
行动的说明               与“中国平安人寿保险股份有限公司-传统-普通保险产品”具有关联关系。
                         2、本行未知其他股东间的关联关系,也未知其是否属于一致行动人。
参与融资融券业务股东情   股东葛卫东除通过普通证券账户持有 81,012,980 股外,还通过东方证券公司客户信用交易担保证券账户持
况说明                   有 62,205,455 股,实际合计持有 143,218,435 股。



             (三)前 10 名优先股股东持股情况表
             □适用 √不适用


             (四)报告期内本行控股股东或实际控制人变动情况
             □适用 √不适用
             报告期内,本行控股股东未发生变动,中国平安保险(集团)股份有限公司为本行的控股股东。
             本行无实际控制人。


             三、管理层讨论与分析
             (一)总体经营情况概述
             报告期内,银行业经营面临复杂的内外部环境。一方面,国内宏观经济正在经历结构调整,国
         外主要经济体复苏进程也较缓慢;另一方面,宏观货币政策定向微调力度加大,各项金融改革有序
         推进。与此同时,监管规范同业业务以及互联网金融的发展也给银行业负债的稳定性和负债成本带
         来了较大的挑战。
             本行直面挑战,抓住机遇,坚持“以客户为中心”的经营理念,推进公司、零售、同业、投行
         “四轮驱动”快速发展,专业化、集约化、综合金融、互联网金融“四大特色”更加鲜明和突出。
         报告期内,通过推进各项改革、加大机构建设力度、提高资产负债管理水平、完善风险管理机制,
         实现良好业绩。同时,也为持续耕耘市场、经营客户、创新产品、整合资源,打造领先的业务平台
         和商业模式,进一步提升市场竞争力打下较好基础。
             全行经营情况具有以下几个特点:
             1、资产规模平稳增长,存款总量迈上新台阶
             报告期末,本行资产总额 21,364.75 亿元,较年初增幅 12.94%。各项贷款(含贴现)余额 9,382.27
         亿元,较年初增幅 10.73%。各项存款余额 15,089.04 亿元,较年初增加 2,919.02 亿元、增幅 23.99%;
         存款余额迈上 1.5 万亿的新台阶,半年增量为上年全年增量的 1.5 倍,增速居同业领先地位,为业务
         发展奠定了良好基础。
             2、业务结构持续优化,盈利能力显著提升
             在利率市场化进程加快、银行利差趋窄、流动性风险上升的市场背景下,本行主动引导资产负
         债结构调整,控制负债成本,提高资产收益,在有效防范流动性风险的同时,利差水平有明显改善:

                                                            6
    (1)根据市场变化调整管理策略,在基础存款高速增长的同时,同业负债在总负债中的占比较
年初下降 7.2 个百分点,通过基础负债支持同业资产业务发展,提升了净利差。
    (2)大力发展中间业务,实现非利息净收入及占比大幅增长。报告期内,非利息净收入 101.79
亿元、同比增长 107.82%,在营业收入中的占比由上年同期的 20.91%提升至 29.31%,收入结构明显
优化。投行业务保持快速增长,实现投行业务非利息净收入 14.45 亿元、托管业务非利息净收入 5.90
亿元;同时,票据、结算等业务均实现了快速增长。
    (3)坚持贷款额度管理,建立基础额度、专项额度、竞价额度三者相结合的管理方式,并引入
风险调整指标,解决银行平衡发展、重点发展与高效发展的问题。
    基于结构调整和定价管控的实施,本行在报告期内实现了较好的盈利增长。营业收入 347.33 亿
元,同比增长 48.27%;准备前营业利润 189.97 亿元,同比增长 52.02%;净利润 100.72 亿元,同比
增长 33.74%。同时,加强成本管控,成本得到有效控制,成本收入比(不含营业税)37.59%,同比
下降 1.28 个百分点,较 2013 年度下降 3.18 个百分点。
    3、创新能力不断提升,改革转型稳步实施
    平台创新:中小企业综合金融服务线上平台(橙 E 平台)发布,对公司业务的快速发展提供了
有效的平台支撑;行 E 通平台初步完成全国布局,累计上线同业客户超过 230 家,比年初增加 65
家,同业产品销售量 2,300 亿元。产品创新:小额消费信贷资产证券化项目成功发行,成为国内首
单在交易所发行的信贷资产证券化产品,有利于提高资产流动性、分散经营风险、改善收入结构;
“平安金”知名度不断提升,与上海黄金交易所、万里通、京东、顺丰等机构合作,开创实物金线
上销售新模式;“陆金所票据、行 E 通票据”等综合金融产品相继成功上线,为本行票据产品在第三
方平台推广打开了局面;同时,“平安票聚”业务模式的成功上线,实现了本行票据业务的内部做市。
    报告期内,积极推动零售大事业部改革,为加快零售业务发展创造了良好环境;加快筹建新的
行业事业部,专业化经营不断深化;引导分行专注区域特色,打造差异化竞争优势。
    4、综合金融实现突破,合作平台不断完善
    重点项目加快落地,截至报告期末,银保合作给银行带来经营净收入 1.7 亿元,新增对公客户
400 个;银投合作新增落地项目 44 个,新增项目落地规模 763 亿元;涌现出多个综合金融成功案例。
强化团 E 系统,重点打造综合金融商机管理平台,完成中台线上支持和综合金融产品地图上线;平
安金橙俱乐部启动“金橙智库”组建工作,旨在开展战略层面的前瞻性研究,为重大项目的立项、
评审提供支持。
    5、强化风险管控能力,资产质量保持稳定
    坚持“银行经营、风险控制为本”的理念,进一步加强全面风险管理,积极支持实体经济,确
保稳健经营。报告期末,不良贷款余额 86.68 亿元,较年初增幅 14.95%;不良率 0.92%,较年初上
升 0.03 百分点;拨贷比 1.83%,较年初上升 0.04 个百分点;贷款拨备覆盖率 198.18%,较年初略降
2.88 个百分点。
    6、资本补充顺利到位,网点建设加快布局
                                              7
    积极扩展资本补充渠道,创新资本补充工具。报告期内共发行二级资本债券 150 亿元,期末根
据中国银监会《商业银行资本管理办法(试行)》计算的资本充足率为 11.02%,较年初提高 1.12 个
百分点。
    持续推进网点布局,加快外延式发展步伐。报告期新增 38 家网点,报告期末本行共有 38 家分
行、566 家营业网点;截至报告期末,已完成 44 家社区银行开业,其中 3 家社区银行的单店资产规
模超 1 亿元。


    (二)利润表项目分析
    1、营业收入构成及变动情况
                                                                           (货币单位:人民币百万元)
                                     2014 年 1-6 月             2013 年 1-6 月             本期同比
               项   目
                                  金额             占比       金额              占比         增减

利息净收入                          24,554          70.69%      18,528           79.09%       32.52%

   存放央行利息收入                  1,860            3.27%      1,561            3.61%       19.15%

   金融企业往来利息收入             11,090          19.47%      10,144           23.47%        9.33%

   其中:存放同业利息收入            1,809            3.18%      1,427            3.30%       26.80%

           拆放同业利息收入              664          1.17%          753          1.74%      (11.80%)

   发放贷款和垫款利息收入           33,000          57.95%      24,255           56.11%       36.05%

   证券投资利息收入                 10,827          19.01%       7,138           16.51%       51.68%

   其他利息收入                          173          0.30%          128          0.30%       35.16%

   利息收入小计                     56,950         100.00%      43,226          100.00%       31.75%

   向中央银行借款利息支出                 18          0.06%           15          0.06%       20.00%

   金融企业往来利息支出             15,125          46.69%      11,721           47.46%       29.04%

   吸收存款利息支出                 16,706          51.57%      12,576           50.92%       32.84%

   应付债券利息支出                      547          1.68%          386          1.56%       41.71%

   利息支出小计                     32,396         100.00%      24,698          100.00%       31.17%

手续费及佣金净收入                   7,771          22.37%       4,376           18.68%       77.58%

其他营业净收入                       2,408            6.94%          522          2.23%      361.30%

营业收入总额                        34,733         100.00%      23,426          100.00%       48.27%



    2、利息净收入
    报告期内,本行实现利息净收入 245.54 亿元,同比增长 32.52%,占营业收入的 70.69%。利息
净收入的增长,主要是生息资产规模增长和利差提升所致。
    主要资产、负债项目的平均余额以及平均收益率或平均成本率的情况

                                               8
                                                                                             (货币单位:人民币百万元)
                                       2014 年 1-6 月                                         2013 年 1-6 月
         项   目                         利息收入/             平均收益/                          利息收入/      平均收益/
                         平均余额                                               平均余额
                                            支出                成本率                              支出          成本率
资产
客户贷款及垫款
                            883,479           32,885               7.51%           735,827            24,097           6.60%
(不含贴现)
债券投资                    218,115            4,531               4.19%           199,703             3,896           3.93%
存放央行                    253,940            1,860               1.48%           212,441             1,561           1.48%
票据贴现及同业业务          623,218           17,501               5.66%           552,469            13,544           4.94%
其他                          5,489                173             6.36%             4,640                 128         5.56%
生息资产总计              1,984,241           56,950               5.79%         1,705,080            43,226           5.11%
负债
客户存款                  1,323,124           16,706               2.55%         1,058,853            12,576           2.40%
发行债券                     16,873                547             6.54%            12,423                 386         6.27%
同业业务                    545,378           15,143               5.60%           543,420            11,736           4.36%
计息负债总计              1,885,375           32,396               3.47%         1,614,696            24,698           3.08%
利息净收入                                    24,554                                                  18,528
存贷差                                                             4.96%                                             4.20%
净利差 NIS                                                         2.32%                                             2.03%
净息差 NIM                                                         2.50%                                             2.19%

       从同比情况看,本行持续加大结构调整和风险定价管理,提高资源使用效率,存贷差、净利差、
净息差同比全面提升。


       3、手续费净收入
       报告期内,本行实现非利息净收入 101.79 亿元,同比增长 107.82%。其中,手续费及佣金净收
入 77.71 亿元,同比增长 77.58%。手续费及佣金净收入增长情况如下:
                                                                                             (货币单位:人民币百万元)
              项   目                 2014 年 1-6 月                     2013 年 1-6 月                 本期同比增减

结算手续费收入                                           828                               582                      42.27%

理财业务手续费收入                                       820                               622                      31.83%

代理及委托手续费收入                                 1,220                                 213                     472.77%

银行卡业务手续费收入                                 3,096                                2,086                     48.42%

咨询顾问费收入                                       1,699                                 647                     162.60%

账户管理费收入                                           116                               101                      14.85%

其他                                                 1,162                                 640                      81.56%

手续费收入小计                                       8,941                                4,891                     82.81%

代理业务手续费支出                                       190                                98                      93.88%

银行卡手续费支出                                         923                               377                     144.83%

                                                           9
其他                                            57                           40                    42.50%

手续费支出小计                                1,170                         515                   127.18%

手续费及佣金净收入                            7,771                       4,376                    77.58%

       报告期内,本行投行、托管等业务快速增长,带来中间业务收入的大幅增加;同时,理财与结
算、信用卡业务手续费收益表现良好。


       4、其他营业净收入
       其他营业净收入包括投资收益、公允价值变动损益、汇兑损益及其他业务收入。报告期内,本
行其他营业净收入 24.08 亿元,同比增长 361.30%,主要来自票据价差收益的增加。


        5、业务及管理费
        报告期内,本行营业费用 130.55 亿元,同比增长 43.37%,成本收入比(不含营业税)37.59%,
同比下降 1.28 个百分点,较 2013 年度下降 3.18 个百分点。营业费用的增长主要是网点及业务规模
增长,以及管理的持续投入所致。本行 2013 年以来网点和机构建设取得重大进展,2013 年新增 5
家分行、73 家支行,2014 年上半年新增 38 家支行,机构的增加带来营业费用的刚性增长。营业费
用中,人工费用支出 68.08 亿元,同比增长 45.22%;业务费用支出 46.13 亿元,同比增长 50.85%;
折旧、摊销和租金支出为 16.34 亿元,同比增长 20.15%。


       6、资产减值损失
                                                                                (货币单位:人民币百万元)
              项   目               2014 年 1-6 月计提        2013 年 1-6 月计提          本期同比增减

存放同业                                                 34                        9               277.78%

发放贷款和垫款                                        5,294                  2,564                 106.47%

持有至到期投资                                            -                       (5)              100.00%

应收款项类投资                                         300                          -                    -

其他资产                                                 24                        34             (29.41%)

合计                                                  5,652                  2,602                117.22%




       7、所得税费用

                                                                                (货币单位:人民币百万元)
              项   目                 2014 年 1-6 月           2013 年 1-6 月            本期同比增减

税前利润                                          13,328                    9,906                  34.54%

所得税费用                                            3,256                 2,375                  37.09%

实际所得税税赋                                   24.43%                    23.98%           +0.45 个百分点

                                                 10
       8、现金流
       报告期内,本行经营活动产生的现金流量净额 534.24 亿元,同比增加 246.24 亿元、增幅 85.50%,
主要为新增存款同比增加使现金流入增加所致;投资活动产生的现金流量净额-152.14 亿元,同比增
加 487.32 亿元、增幅 76.21%,主要因投资支付的现金同比减少;筹资活动产生的现金流量净额 114.64
亿元,同比增加 197.08 亿元、增幅 239.06%,主要为报告期内发行二级资本债和同业存单收到现金、
抵减应付债券到期兑付/支付债券利息与分配股利支付现金后的增加额。


       (三)资产负债表项目分析
       1、资产构成及变动情况
                                                                              (货币单位:人民币百万元)
                                     2014 年 6 月 30 日           2013 年 12 月 31 日        期末比上年
               项   目
                                    余额            占比         余额             占比         末增减

贷款及垫款                           938,227           43.92%     847,289          44.79%        10.73%

贷款减值准备                         (17,179)          (0.80%)    (15,162)         (0.80%)       13.30%

贷款及垫款净值                       921,048           43.12%     832,127          43.99%        10.69%

投资和其他金融资产                   434,557           20.34%     395,204          20.89%         9.96%

现金及存放中央银行款项               259,604           12.15%     229,924          12.15%        12.91%

贵金属                                40,898            1.91%      21,286           1.13%        92.14%

存放同业和其他金融机构款项            95,690            4.48%      71,914           3.80%        33.06%

拆出资金及买入返售资产               335,270           15.69%     298,933          15.80%        12.16%

应收账款                              10,850            0.51%       7,058           0.37%        53.73%

应收利息                              10,641            0.50%      10,043           0.53%         5.95%

固定资产                               3,492            0.16%       3,694           0.20%        (5.47%)

无形资产                               5,296            0.25%       5,463           0.29%        (3.06%)

商誉                                   7,568            0.35%       7,568           0.40%         0.00%

投资性房地产                                103         0.01%           116         0.01%       (11.21%)

递延所得税资产                         4,786            0.22%       4,406           0.23%         8.62%

其他资产                               6,672            0.31%       4,005           0.21%        66.59%

资产总额                            2,136,475       100.00%      1,891,741        100.00%        12.94%



       2、负债结构及变动情况
                                                                              (货币单位:人民币百万元)
                                      2014 年 6 月 30 日          2013 年 12 月 31 日        期末比上年
               项   目
                                     余额           占比         余额             占比         末增减

吸收存款                            1,508,904          74.86%    1,217,002         68.38%        23.99%

同业和其他金融机构存放款项            392,313          19.46%     450,789          25.33%       (12.97%)

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拆入资金                                 18,765               0.93%            22,633             1.27%      (17.09%)

交易性金融负债                            4,950               0.25%             3,692             0.21%       34.07%

衍生金融负债                              3,263               0.16%             2,914             0.16%       11.98%

卖出回购金融资产款项                     20,385               1.01%            36,049             2.03%      (43.45%)

应付职工薪酬                              5,715               0.28%             6,013             0.34%       (4.96%)

应交税费                                  3,765               0.19%             4,205             0.24%      (10.46%)

应付利息                                 21,219               1.05%            16,605             0.93%       27.79%

应付债券                                 21,605               1.07%             8,102             0.46%      166.66%

其他负债(注)                           14,651               0.74%            11,656             0.65%       25.69%

负债总额                             2,015,535              100.00%        1,779,660           100.00%        13.25%

    注:其他负债含报表项目中“向中央银行借款、应付账款、预计负债、其他负债”。



       3、股东权益变动情况
                                                                                        (货币单位:人民币百万元)
               项   目                年初数                  本期增加             本期减少               期末数
股本                                           9,521                   1,904                       -           11,425
资本公积                                    51,734                       310                 (1,904)           50,140
盈余公积                                       4,354                       -                       -               4,354
一般准备                                    16,509                         -                       -           16,509
未分配利润                                  29,963                    10,072                 (1,523)           38,512
其中:建议分配的股利                           1,523                       -                 (1,523)                   -
股东权益合计                               112,081                    12,286                 (3,427)          120,940



       4、报告期末,可能对经营成果造成重大影响的表外项目的余额
                                                                                        (货币单位:人民币百万元)
                         项   目                                                  余    额

银行承兑汇票                                                                                                  404,462

开出保函                                                                                                       54,739

开出信用证                                                                                                     64,182

未使用的信用卡额度及不可撤销的贷款承诺                                                                         54,786

经营性租赁承诺                                                                                                     7,938

资本性支出承诺                                                                                                     2,038




                                                       12
四、涉及财务报告的相关事项
1、与上年度财务报告相比,会计政策、会计估计和核算方法发生变化的情况说明
□ 适用 √不适用
2、报告期内发生重大会计差错更正需追溯重述的情况说明
□ 适用 √不适用
3、与上年度财务报告相比,合并报表范围发生变化的情况说明
□ 适用 √不适用
4、董事会、监事会对会计师事务所本报告期“非标准审计报告”的说明
□ 适用 √不适用




                                                          平安银行股份有限公司董事会
                                                                    2014 年 8 月 14 日




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