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成都银行(601838)公告正文

成都银行:2018年年度报告摘要(更正版)

公告日期 2019-05-11
股票简称:成都银行 股票代码:601838
                                              成都银行股份有限公司 2018 年年度报告摘要


                        成都银行股份有限公司
                         2018 年年度报告摘要
一、重要提示

    1.1 本年度报告摘要来自2018年年度报告全文,为全面了解本公司的经营成果、财

务状况及未来发展规划,投资者应当到证监会指定媒体仔细阅读2018年年度报告全文。

    1.2 本公司董事会、监事会及董事、监事、高级管理人员保证本年度报告内容的真

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。

    本公司法定代表人、董事长、行长王晖,分管财务工作行长助理罗结,财务部门负

责人吴聪敏保证本年度报告中财务报告的真实、准确、完整。

    本公司第六届董事会第三十五次会议于 2019 年 4 月 24 日审议通过《关于成都银行

股份有限公司 2018 年年度报告及年度报告摘要的议案》。本次董事会应出席董事 14 人,

实际出席董事 11 人,苗伟董事委托韩雪松董事出席会议并行使表决权,李爱兰董事委托

王晖董事长出席会议并行使表决权,宋朝学独立董事委托樊斌独立董事出席会议并行使

表决权。

    1.3 安永华明会计师事务所(特殊普通合伙)为本公司出具了标准无保留意见的审

计报告。

    1.4 公司董事会建议,以总股本 3,612,251,334 股为基数,向全体股东每 10 股分配

现金股利 3.5 元人民币(含税),合计分配现金股利 126,429 万元(含税)。

    上述预案尚待股东大会批准。

二、公司基本情况

    2.1 公司简介
           股票种类      股票上市交易所           股票简称        股票代码

         人民币普通股
                         上海证券交易所           成都银行         601838
           (A 股)



                                          1
                                           成都银行股份有限公司 2018 年年度报告摘要


      董事会秘书                   罗铮

      证券事务代表                 目前证券事务代表暂时空缺

      联系地址                     中国四川省成都市西御街 16 号

      联系电话                     86-28-86160295

      传真                         86-28-86160009

      电子邮箱                     ir@bocd.com.cn

    2.2 公司主要业务简介

    报告期内,本行持续推动资产增长、大力拓展负债业务、努力培育新业务增长点。

    (一)资产业务

    坚守服务实体经济职责使命,主动对接国家和省市重大战略决策和重大项目建设,

为地方基础设施建设、产业转型升级和客户消费升级提供高质量金融服务;深度挖掘重

点行业、重点领域潜力,坚持“行业精准”和“企业精准”,从渠道、产品、策略、考

核上发力,精准支持高新技术产业、绿色产业、先进制造业等重点产业;积极服务民营

和小微企业,持续打造“特色化、标准化、本土化”的小微企业专属金融产品,增强民

营和小微企业的金融支持覆盖面和可获得性;紧跟房地产调控政策,重点支持刚需购房

群体信贷需求,不断优化个人消费信贷服务,坚持以客户需求为先导,紧贴各类消费生

活场景,持续创新和丰富消费信贷产品。截至报告期末,公司贷款和垫款总额 1,369.84

亿元,较上年增幅 25.98%;个人贷款和垫款总额 488.46 亿元,较上年增幅 22.33%。

    (二)负债业务

    狠抓对公存款,紧跟重大项目落地用款资金,有效稳定和挖掘总行战略客户存款;

巩固储蓄业务优势,坚持“亲民、便民、惠民”的零售产品和服务特色,大力拓展有效

客户群体,全面开展客户提档升级,深挖存量客户潜力;深入实施网点转型,积极推进

“一体化”营销,强化金融科技运用提升服务体验,大力夯实零售业务客群,探索构建

符合成都银行实际的“大零售”转型业务格局。截至报告期末,公司存款余额 2,364.26

亿元,较上年增幅 11.49%;个人存款余额 1,158.66 亿元,较上年增幅 15.02%。


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                                           成都银行股份有限公司 2018 年年度报告摘要


    (三)新兴业务

    充分发挥四川唯一一家具备非金融企业债务融资工具独立主承资格的法人银行牌照

优势,积极开展债务融资工具主承销、分销业务;持续丰富理财产品类型,推进理财业

务转型,积极参与金融市场业务,充分利用主动负债手段,在风险可控的情况下努力提

升收益水平;积极加快国际业务发展,在严格执行外汇监管政策的前提下,分类推进客

户营销,实现国际业务结算量和有效户数量“双提升”;全面拓展移动支付业务,进一

步深化“一体化”营销内涵,不断优化完善产品功能,移动银行客户规模实现高速增长。

报告期内,与同业联合承销四川省首单公募“双创”专项债务融资工具、四川省首批民

营企业债券融资支持工具。截至报告期末,债务融资工具注册数累计达到 15 只,发行数

达到 18 只;电子渠道分流率达到 86.48%,同比提高 4.71 个百分点。

    (四)特色金融业务

    围绕成都市特色金融功能区建设,深入推进科技金融、文创金融和绿色金融,以此

加大对民营和小微企业的金融支持力度,助力全市营商环境优化。持续推进科技金融,

以“壮大贷”“科创贷”“成长贷”等产品为抓手,不断开拓新思路、探索新模式,积

极支持具备市场前景和关键技术的战略新兴产业中小微企业发展;围绕全市“三城三都”

建设,以西南地区首家文创支行锦程文创支行设立为契机,聚焦文体旅游、信息服务以

及传媒影视等重点领域融资需求,不断做大文创金融;加快制定绿色金融发展行动计划,

围绕成都绿色金融特色功能区建设需求,提出成都银行发展绿色金融三大重点工作,加

强银政产学研联合,与中国人民银行成都分行、四川省环境交易所、西南财经大学绿色

金融中心等单位共同探讨研究支持绿色金融发展的政策和举措。

    报告期内,中国银行业围绕“服务实体经济、防控金融风险、深化金融改革”三大

任务,实现了服务能力和治理水平的显著提升,守住了不发生系统性金融风险的底线。

中央经济工作会议指出,我国经济运行稳中有变、变中有忧,外部环境复杂严峻,经济

面临下行压力。贸易摩擦、地缘政治等因素加大了经济和金融市场的不确定性,金融业


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                                                         成都银行股份有限公司 2018 年年度报告摘要



         一些领域的风险隐患仍然比较突出。金融强监管向纵深发展,各项监管规则更加严密,

         处罚力度更大,对银行合规经营提出更高要求。金融科技迅速发展,移动互联网、大数

         据、人工智能等新技术应用不断发展,基于金融科技的新金融业态不断涌现。金融内外

         开放不断深化,银行业竞争更加激烈,银行机构经营业绩不断分化。银行业面临经营环

         境深刻变化的新考验,挑战与机遇并存。

             2018年,本行紧紧围绕“拓存款、扩资产,重合规、促转型”的经营方针,以上市

         领先示范银行为标准,明措施、抢进度、练内功、促发展,全力推进各项经营管理工作,

         形成了全行上市元年高质量发展的良好开局。报告期内,总资产达4,922.85亿元,较上

         年增幅13.29%;存款规模达3,522.92亿元,较上年增幅12.63%;实现净利润46.54亿元,

         较上年增幅18.93%,三项指标增速均高于全国银行业平均增速。全年资产收益率达到

         1.00%,加权平均净资产收益率达到16.04%,在同类型银行中处于较为领先水平;不良贷

         款率1.54%,较上年下降0.15个百分点,资产质量持续改善。

             2.3 近三年主要会计数据和财务指标

              2.3.1 近三年主要会计数据

                                                                                  单位:千元
                                                                         本报告期比上
            项目                  2018 年               2017 年                                2016 年
                                                                           年同期增减
营业收入                             11,590,132             9,654,118         20.05%              8,620,847

营业利润                               5,092,305            4,643,901          9.66%              3,119,923

利润总额                               5,081,307            4,649,703          9.28%              3,180,402

归属于母公司股东的净利润               4,649,130            3,908,578         18.95%              2,577,485
归属于母公司股东的扣除非经
                                       4,651,537            3,852,352         20.75%              2,527,125
常性损益后的净利润
经营活动产生的现金流量净额           -11,900,081           42,607,093       -127.93%             13,346,644
                                                                         本报告期末比
            项目             2018 年 12 月 31 日   2017 年 12 月 31 日                  2016 年 12 月 31 日
                                                                         上年度末增减
总资产                              492,284,962           434,539,478         13.29%            360,946,757

发放贷款和垫款总额                  185,829,871           148,662,682         25.00%            136,495,915



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                                                                成都银行股份有限公司 2018 年年度报告摘要


贷款损失准备                              6,763,409                5,074,015          33.30%               4,684,195

总负债                                  461,008,892              409,515,036          12.57%             338,962,994

吸收存款                                352,292,279              312,797,150          12.63%             271,007,607

归属于母公司股东的净资产                 31,199,444               24,952,212          25.04%              21,912,521

                2.3.2 近三年主要财务指标
                                                                                   本报告期比上年同
                    项目                        2018 年            2017 年                                2016 年
                                                                                         期增减
基本每股收益(元/股)                                 1.30                  1.20               8.33%            0.79

稀释每股收益(元/股)                                 1.30                  1.20               8.33%            0.79

扣除非经常性损益后的基本每股收益(元/股)             1.30                  1.18             10.17%             0.78

全面摊薄净资产收益率                               14.90%              15.66%      下降 0.76 个百分点        11.76%

加权平均净资产收益率                               16.04%              16.83%      下降 0.79 个百分点        12.24%

扣除非经常性损益后的全面摊薄净资产收益率           14.91%              15.44%      下降 0.53 个百分点        11.53%

扣除非经常性损益后的加权平均净资产收益率           16.05%              16.58%      下降 0.53 个百分点        12.00%

每股经营活动产生的现金流量净额(元/股)               -3.29              13.11             -125.10%             4.11

归属于母公司股东的每股净资产(元/股)                 8.64                  7.68             12.50%             6.74


             注:1.每股收益和净资产收益率根据中国证券监督管理委员会公告〔2010〕2号《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》计算。


                  2.非经常性损益根据中国证券监督管理委员会公告〔2008〕43号《公开发行证券的公司信息

         披露解释性公告第1号——非经常性损益》的定义计算。


                2.3.3 近三年补充财务指标
                      项目               2018 年                  2017 年                2016 年

               资产利润率                       1.00%                     0.98%                 0.76%

               成本收入比                      25.77%                   28.27%                 30.73%

                      项目         2018 年 12 月 31 日       2017 年 12 月 31 日   2016 年 12 月 31 日

               不良贷款率                       1.54%                     1.69%                 2.21%

               拨备覆盖率                    237.01%                   201.41%                 155.35%

               贷款拨备率                       3.64%                     3.41%                 3.43%



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                                                          成都银行股份有限公司 2018 年年度报告摘要


       注:1.资产利润率=净利润/[(期初总资产+期末总资产)/2]。


           2.成本收入比=业务及管理费/营业收入。


           3.不良贷款率=不良贷款余额/发放贷款和垫款总额。


           4.拨备覆盖率=贷款损失准备/不良贷款余额。


           5.贷款拨备率=贷款损失准备/发放贷款和垫款总额。


           6.根据中国银保监会四川监管局办公室《关于调整贷款损失准备最低监管要求的通知》,我

 行2018年度贷款损失准备最低监管要求为“拨备覆盖率140%,贷款拨备率2.1%”。


         2.3.4 近三年主要业务数据

                                                                                  单位:千元
                                             2018 年              2017 年         2016 年
                   项目
                                            12 月 31 日          12 月 31 日     12 月 31 日

       吸收存款                                 352,292,279        312,797,150     271,007,607

       其中:活期公司存款                       159,433,178        134,152,770     115,453,389

             活期个人存款                        38,254,346         37,407,251      33,815,193

             定期公司存款                         71,134,210        65,028,452      56,253,670

             定期个人存款                         77,612,159        63,324,721      55,875,329

             汇出汇款、应解汇款                     249,691          3,933,918           83,615

             保证金存款                            5,375,630         8,826,490       9,379,093

             财政性存款                             233,065            123,548         147,318

       发放贷款和垫款总额                        185,829,871       148,662,682     136,495,915

       其中:公司贷款和垫款                      136,983,910       108,733,254     102,389,968

             个人贷款和垫款                       48,845,961        39,929,428      34,105,947

         2.3.5 资本构成及变化情况

                                                                                  单位:千元

                          2018 年 12 月 31 日             2017 年 12 月 31 日        2016 年 12 月 31 日
项目
                          并表          非并表            并表          非并表       并表            非并表



                                                     6
                                                                成都银行股份有限公司 2018 年年度报告摘要


核心一级资本                  31,346,434    31,168,476        25,035,183      24,936,892     22,041,067       21,854,354

核心一级资本扣减项               30,528       459,090            18,184         392,032         21,411          373,584

核心一级资本净额              31,315,906    30,709,386        25,016,999      24,544,860     22,019,656       21,480,770

其他一级资本                     19,649              0             9,940                0         6,820               0

其他一级资本扣减项                     0             0                 0                0             0               0

一级资本净额                  31,335,555    30,709,386        25,026,939      24,544,860     22,026,476       21,480,770

二级资本                       8,262,157     8,187,701         7,598,967       7,544,951      6,692,159        6,661,197

二级资本扣减项                         0             0                 0                0             0               0

资本净额                      39,597,712    38,897,087        32,625,906      32,089,811     28,718,635       28,141,967

风险加权资产                 281,136,400   277,919,695       238,912,646     237,206,082    215,261,320   213,445,184

其中:信用风险加权资产       261,051,498   258,203,742       221,354,098     219,997,369    198,274,578   196,832,762

      市场风险加权资产         1,337,409     1,337,409          507,680         507,680        947,454          947,454

      操作风险加权资产        18,747,493    18,378,544        17,050,868      16,701,033     16,039,288       15,664,968

核心一级资本充足率               11.14%        11.05%            10.47%          10.35%         10.23%           10.06%

一级资本充足率                   11.15%        11.05%            10.48%          10.35%         10.23%           10.06%

资本充足率                       14.08%        14.00%            13.66%          13.53%         13.34%           13.18%


               注:1.按照2012年中国银保监会发布的《商业银行资本管理办法(试行)》中的相关规定,信用

           风险采用权重法、市场风险采用标准法、操作风险采用基本指标法计量。


                    2.按照《商业银行并表管理与监管指引》,资本并表范围包括四川名山锦程村镇银行、江苏

           宝应锦程村镇银行、四川锦程消费金融有限责任公司。


                 2.3.6 杠杆率

                                                                                            单位:千元

                      项目            2018 年 12 月 31 日       2017 年 12 月 31 日     2016 年 12 月 31 日

           一级资本净额                        31,335,555                  25,026,939            22,026,476

           调整后的表内外资产余额             502,026,700              446,176,151              381,405,599

           杠杆率                                  6.24%                       5.61%                 5.78%

                 2.3.7 流动性覆盖率

                                                                                            单位:千元

                                                         7
                                                        成都银行股份有限公司 2018 年年度报告摘要


             项目              2018 年 12 月 31 日      2017 年 12 月 31 日      2016 年 12 月 31 日

合格优质流动性资产                       80,346,698              49,894,202               24,098,237

未来 30 天现金净流出量                   60,070,630              26,902,362                6,904,141

流动性覆盖率                               133.75%                 185.46%                  349.04%

      2.3.8 净稳定资金比例

                                                                                    单位:千元

             项目              2018 年 12 月 31 日       2018 年 9 月 30 日      2018 年 6 月 30 日

可用的稳定资金                           284,961,762             280,555,855              272,997,335

所需的稳定资金                           256,703,019             257,789,258              243,962,472

净稳定资金比例                              111.01%                 108.83%                  111.90%

      2.3.9 近三年其他监管指标
               项目            2018 年 12 月 31 日     2017 年 12 月 31 日    2016 年 12 月 31 日

    存贷比                                 53.72%                 48.06%                 50.88%

    流动性比例                             79.22%                 63.91%                 41.60%

    单一最大客户贷款比例                    3.28%                  3.07%                  3.48%

    最大十家客户贷款比例                   27.35%                 28.80%                 30.38%

    正常类贷款迁徙率                        2.57%                  2.30%                  3.80%

    关注类贷款迁徙率                       50.71%                 28.06%                 54.89%

    次级类贷款迁徙率                       11.89%                 75.15%                 95.28%

    可疑类贷款迁徙率                       96.31%                 20.74%                 80.67%


    注:1.以上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.按照《商业银行并表管理与监管指引》,监管并表范围包括四川名山锦程村镇银行、江苏

宝应锦程村镇银行、四川锦程消费金融有限责任公司。


          3.正常、关注、次级、可疑贷款迁徙率为母公司口径数据。


      2.4 2017 年分季度主要财务数据

                                                                                    单位:千元

   项目               一季度(1-3 月)     二季度(4-6 月)       三季度(7-9 月)      四季度(10-12 月)


                                                 8
                                                                成都银行股份有限公司 2018 年年度报告摘要


营业收入                            2,568,970               2,864,250           2,984,927                  3,171,985
归属于母公司股东的净
                                    1,031,629               1,091,355           1,272,811                  1,253,335
利润
归属于母公司股东的扣
除非经常性损益后的净                1,031,770               1,091,774           1,274,432                  1,253,561
利润
经营活动产生的现金流
                                -24,826,437              27,218,351                236,328                -14,528,323
量净额

             2.5 非经常性损益项目和金额

                                                                                             单位:千元

                     项目                             2018 年              2017 年                 2016 年

  非流动资产处置净损益                                             -               18,205                   10,459

  久悬未取款收入                                              2,383                  9,306                  10,119

  其他非经常性损益                                           -2,144                54,549                   50,360

  合计                                                          239                82,060                   70,938

  减:非经常性损益所得税影响数                                2,418                23,225                   20,138

         少数股东损益影响数(税后)                               228                  2,609                    440

  归属于母公司股东的非经常性损益净额                         -2,407                56,226                   50,360

             2.6 股东情况

              2.6.1 股东总数
            截至报告期末普通股股东总数(户)                                                      103,305

            年度报告披露日前上一月末的普通股股东总数(户)                                         97,224

            截至报告期末表决权恢复的优先股股东总数(户)                                          不适用

            年度报告披露日前上一月末表决权恢复的优先股股东总数(户)                              不适用

              2.6.2 截至报告期末前十名股东、前十名流通股东(或无限售条件股东)持股情况

      表

                                                                                             单位:股

                                                前十名股东持股情况


                     报告期                       持有有限售条件           质押或冻结情况
    股东名称                期末持股数量 持股比例                                                       股东性质
                     内增减                         股份数量
                                                                        股份状态       数量

                                                        9
                                                            成都银行股份有限公司 2018 年年度报告摘要

成都交子金融控股集
                       无   652,418,000    18.06%        652,418,000    -                 - 国有法人股
团有限公司
Hong Leong Bank
                       无   650,000,000    17.99%        650,000,000    -                 - 境外法人股
Berhad
渤海产业投资基金管
                       无   240,000,000     6.64%        240,000,000    -                 - 境内非国有法人股
理有限公司
北京能源集团有限责
                       无   160,000,000     4.43%        160,000,000    -                 - 国有法人股
任公司
成都欣天颐投资有限
                       无   124,194,000     3.44%        124,194,000    -                 - 国有法人股
责任公司
成都弘苏投资管理有
                       无   124,171,300     3.44%        124,171,300   质押      26,000,000 境内非国有法人股
限公司
上海东昌投资发展有
                       无   120,000,000     3.32%        120,000,000   冻结      50,000,000 境内非国有法人股
限公司
成都工投资产经营有
                       无   117,965,400     3.27%        117,965,400    -                 - 国有法人股
限公司
绵阳科技城产业投资
                       无   110,053,900     3.05%        110,053,900    -                 - 境内非国有法人股
基金(有限合伙)
新华文轩出版传媒股
                       无     80,000,000    2.21%         80,000,000    -                 - 国有法人股
份有限公司

                                      前十名无限售条件股东持股情况

                                    持有无限售条件流通股的数                  股份种类及数量
            股东名称
                                                量                     种类                    数量

中国农业银行股份有限公司—景顺长
                                                    6,952,146     人民币普通股                        6,952,146
城沪深 300 指数增强型证券投资基金

香港中央结算有限公司                                4,622,141     人民币普通股                        4,622,141

郝万涛                                              1,434,000     人民币普通股                        1,434,000

中国建设银行股份有限公司—安信价
                                                    1,394,400     人民币普通股                        1,394,400
值精选股票型证券投资基金

李秀满                                              1,365,000     人民币普通股                        1,365,000

陈金珍                                              1,344,889     人民币普通股                        1,344,889

阮胜一                                              1,297,300     人民币普通股                        1,297,300

中国工商银行股份有限公司—华泰柏
瑞沪深 300 交易型开放式指数证券投                   1,271,499     人民币普通股                        1,271,499
资基金
加拿大年金计划投资委员会—自有资
                                                    1,207,899     人民币普通股                        1,207,899



                                                    10
                                                           成都银行股份有限公司 2018 年年度报告摘要


杨清江                                               1,131,800    人民币普通股                        1,131,800

上述股东关联关系或一致行动的说明              上述股东之间本公司未知其关联关系或一致行动关系。


              注:1.渤海产业投资基金管理有限公司出资来源为渤海产业投资基金;


                  2.成都交子金融控股集团有限公司原名成都金融控股集团有限公司,其 2019 年 1 月更名为

         成都交子金融控股集团有限公司。


               2.6.3 截至报告期末前十名有限售条件股东持股数量及限售条件
                                                    有限售条件股份可上市交易情况
                                   持有的有限售
     序号     有限售条件股东名称                                      新增可上市交         限售条件
                                   条件股份数量    可上市交易时间
                                                                        易股份数量
              成都交子金融控股集                                                       自股票上市之日起
         1                           652,418,000           2021-2-1                0
              团有限公司                                                               36 个月内不转让
              Hong Leong Bank                                                          自股票上市之日起
         2                           650,000,000           2021-2-1                0
              Berhad                                                                   36 个月内不转让
              渤海产业投资基金管                                                       自股票上市之日起
         3                           240,000,000           2021-2-1                0
              理有限公司                                                               36 个月内不转让
              北京能源集团有限责                                                       自股票上市之日起
         4                           160,000,000           2021-2-1                0
              任公司                                                                   36 个月内不转让
              成都欣天颐投资有限                                                       自股票上市之日起
         5                           124,194,000          2019-1-31                0
              责任公司                                                                 12 个月内不转让
              成都弘苏投资管理有                                                       自股票上市之日起
         6                           124,171,300          2019-1-31                0
              限公司                                                                   12 个月内不转让
              上海东昌投资发展有                                                       自股票上市之日起
         7                           120,000,000          2019-1-31                0
              限公司                                                                   12 个月内不转让
              成都工投资产经营有                                                       自股票上市之日起
         8                           117,965,400          2019-1-31                0
              限公司                                                                   12 个月内不转让
              绵阳科技城产业投资                                                       自股票上市之日起
         9                           110,053,900          2019-1-31                0
              基金(有限合伙)                                                         12 个月内不转让
              新华文轩出版传媒股                                                       自股票上市之日起
         10                           80,000,000          2019-1-31                0
              份有限公司                                                               12 个月内不转让
     上述股东关联关系或一致行
                                            上述股东之间本公司未知其关联关系或一致行动关系
     动的说明


              注:1.渤海产业投资基金管理有限公司出资来源为渤海产业投资基金;


                  2.成都交子金融控股集团有限公司原名成都金融控股集团有限公司,其 2019 年 1 月更名为

         成都交子金融控股集团有限公司。


               2.7 公司与控股股东、实际控制人之间的产权及控制关系的方框图
                                                     11
                                            成都银行股份有限公司 2018 年年度报告摘要


    □ 适用          √不适用

    2.8 优先股股东情况

    □ 适用          √不适用

    2.9 公司债券情况

    □ 适用          √不适用

三、经营情况讨论与分析

    3.1 经营情况讨论与分析

    2018 年,全行始终保持发展定力,紧紧围绕“拓存款、扩资产,重合规、促转型”

的经营方针,以上市领先示范银行为标准,高起点谋划,明措施、抢进度、练内功、促

发展,全力推进各项工作,形成了全行上市元年高质量发展的良好开局。

    报告期内,资产规模快速增长。总资产4,922.85亿元,较上年增长577.45亿元,增

幅13.29%。存款规模3,522.92亿元,较上年增长394.95亿元,增幅12.63%;贷款总额

1,858.30亿元,较上年增长371.67亿元,增幅25.00%。

    报告期内,经营效益稳步提升。实现净利润46.54亿元,较上年增长7.41亿元,增幅

18.93%,归属于母公司股东的净利润46.49亿元,较上年增长7.41亿元,增幅18.95%;营

业收入115.90亿元,较上年增长19.36亿元,增幅20.05%;基本每股收益1.30元,较上年

增长0.10元;资产收益率1.00%,较上年增长0.02个百分点;加权平均净资产收益率

16.04%,较上年下降0.79个百分点,主要由于2018年初IPO募集资本摊薄影响。

    报告期内,监管指标全面向好。全行不良贷款率 1.54%,较上年下降 0.15 个百分点;

拨备覆盖率 237.01%,较上年增长 35.60 个百分点;资本充足率 14.08%,较上年增长 0.42

个百分点。

    3.2 主营业务分析

     3.2.1 利润表分析

    报告期内,本公司实现营业收入115.90亿元,实现归属于母公司股东的净利润46.49

亿元,分别较上年增长20.05%和18.95%。下表列出报告期内本公司利润表主要项目:

                                       12
                                                         成都银行股份有限公司 2018 年年度报告摘要


                                                                                     单位:千元

                      项目                      2018 年              2017 年             增减幅度

   一、营业收入                                      11,590,132          9,654,118            20.05%

   其中:利息净收入                                   9,674,118          7,463,032            29.63%

           手续费及佣金净收入                          308,265            392,707             -21.50%

   二、营业支出                                      6,497,827           5,010,217            29.69%

   其中:业务及管理费                                2,986,484           2,728,770                9.44%

   三、营业利润                                      5,092,305           4,643,901                9.66%

   四、利润总额                                      5,081,307           4,649,703                9.28%

   五、净利润                                        4,653,526           3,912,821            18.93%

   其中:归属于母公司股东的净利润                    4,649,130           3,908,578            18.95%

             3.2.2 利润表中变化幅度超过30%的项目及变化原因

                                                                                     单位:千元

       项目                  2018 年       2017 年            增减幅度                  主要原因

利息收入                      18,685,032    14,323,674             30.45%      生息资产规模增加

利息支出                       9,010,914     6,860,642             31.34%      付息负债规模增加

手续费及佣金支出                  98,065      144,563              -32.16%     银行卡手续费支出减少

汇兑损益                          28,412         5,569            410.18%      市场汇率波动影响

公允价值变动损益                  -3,484         8,714            -139.98%     公允价值变动

资产处置收益                           -        18,205            -100.00%     资产处置收益减少

其他收益                          11,237        58,053             -80.64%     政府补助减少

资产减值损失                   3,430,587     2,209,539             55.26%      减值准备计提增加
                                                                               久悬未取款及其他营业外收
营业外收入                         7,606        19,210             -60.41%
                                                                               入减少
营业外支出                        18,604        13,408             38.75%      捐赠及其他营业外支出增加

所得税费用                      427,781       736,882              -41.95%     免税收入占比提高

             3.2.3 营业收入

           (一)报告期各项业务收入构成情况

                                                                                     单位:千元


                                                13
                                                           成都银行股份有限公司 2018 年年度报告摘要

                                                                                       与上年同期相比
                        项目                     金额                   占比
                                                                                         增减幅度
       存放中央银行款项                            792,597                  3.83%                10.24%

       存放同业及其他金融机构款项                  931,035                  4.50%                 -5.93%

       拆出资金                                    101,042                  0.49%                -44.85%

       买入返售金融资产                            453,962                  2.19%                -42.20%

       应收款项类投资                             3,150,815                15.22%                40.09%

       发放贷款和垫款                             8,212,033                39.67%                18.28%

       债券及其他投资                             5,043,548                24.37%               105.52%

       手续费及佣金收入                            406,330                  1.97%                -24.37%

       投资收益                                   1,556,262                 7.52%                 -8.11%

       汇兑损益                                      28,412                 0.14%               410.18%

       公允价值变动损益                              -3,484                 -0.02%              -139.98%

       其他业务收入                                  15,322                 0.07%                  7.94%

       资产处置收益                                         0               0.00%               -100.00%

       其他收益                                      11,237                 0.05%                -80.64%

       合计                                      20,699,111               100.00%                24.25%

           (二)报告期营业收入地区分布情况

                                                                                            单位:千元

      地区            营业收入     占比      比去年增减          营业利润            占比         比去年增减

    四川地区          11,295,746    97.46%       1,907,511        5,034,028           98.85%             454,831

    其他地区            294,386      2.54%          28,503             58,277          1.15%              -6,426

             3.2.4 利息净收入

                                                                                            单位:千元

                                                 2018 年                                    2017 年
               项目
                                          金额                  占比                 金额                  占比

利息收入

  存放中央银行款项                           792,597             4.24%                  718,979             5.02%

  存放同业及其他金融机构款项                 931,035             4.98%                  989,679             6.91%



                                                   14
                                                      成都银行股份有限公司 2018 年年度报告摘要


  拆出资金                                101,042            0.54%            183,225          1.28%

  买入返售金融资产                        453,962            2.43%            785,368          5.48%

  应收款项类投资                         3,150,815           16.86%         2,249,184         15.70%

  发放贷款和垫款                         8,212,033           43.96%         6,943,144         48.48%

  债券及其他投资                         5,043,548           26.99%         2,454,095         17.13%

  利息收入小计                          18,685,032       100.00%           14,323,674         100.00%

利息支出

  向中央银行借款                           12,004            0.13%                8,242        0.12%

  同业及其他金融机构存放款项              475,935            5.28%            227,851          3.32%

  吸收存款                               5,187,180           57.57%         4,210,624         61.37%

  拆入资金                                110,976            1.23%               39,547        0.58%

  卖出回购金融资产款                      447,098            4.96%            868,666         12.66%

  应付债券                               2,777,721           30.83%         1,505,712         21.95%

  利息支出小计                           9,010,914       100.00%            6,860,642         100.00%

利息净收入                               9,674,118                -         7,463,032               -

             3.2.5 手续费及佣金净收入

                                                                                 单位:千元

                            项目                   2018 年             2017 年

                   理财及资产管理业务                   131,581             185,248

                   银行卡业务                           111,263             140,823

                   代理收付及委托                        50,191              63,809

                   投资银行业务                          12,538              47,734

                   担保鉴证业务                          25,000              27,872

                   清算和结算业务                        15,103              13,214

                   其他                                  60,654              58,570

                 手续费及佣金收入                       406,330             537,270

                 手续费及佣金支出                        98,065             144,563

                 手续费及佣金净收入                     308,265             392,707

             3.2.6 业务及管理费

                                              15
                                                  成都银行股份有限公司 2018 年年度报告摘要


                                                                               单位:千元

                       项目                    2018 年               2017 年

         职工薪酬                                 1,963,667              1,776,331

         折旧与摊销                                 155,178                178,112

         租赁费                                     214,549                200,979

         其他业务费用                               653,090                573,348

         合计                                     2,986,484              2,728,770

    3.3 资产、负债状况分析

     3.3.1 概况

    截至报告期末,本公司资产总额4,922.85亿元,较上年增长13.29%。负债总额

4,610.09亿元,较上年增长12.57%。股东权益312.76亿元,较上年增长24.98%,规模实

现稳步增长。

    主要资产负债情况见下表:

                                                                               单位:千元

             项目             2018 年 12 月 31 日        2017 年 12 月 31 日      增减幅度

  存放央行及现金                       66,288,840                 56,026,152         18.32%

  同业及货币市场运用                   20,373,402                 62,365,287         -67.33%

  贷款及垫款净额                      179,066,462                143,588,667         24.71%

  债券及其他投资                      218,511,908                165,407,839         32.10%

  资产总计                            492,284,962                434,539,478         13.29%

  吸收存款                            352,292,279                312,797,150         12.63%

     -公司客户                        230,567,388                199,181,222         15.76%

     -个人客户                        115,866,505                100,731,972         15.02%

     -保证金存款                        5,375,630                  8,826,490         -39.10%

     -财政性存款                          233,065                    123,548         88.64%

     -汇出汇款、应解汇款                  249,691                  3,933,918         -93.65%

  同业及货币市场融入                   19,957,977                 46,719,642         -57.28%

  应付债券                             80,774,151                 43,668,227         84.97%

                                          16
                                                        成都银行股份有限公司 2018 年年度报告摘要


     负债总计                                461,008,892                409,515,036       12.57%

     股东权益合计                             31,276,070                 25,024,442       24.98%

     负债及股东权益合计                      492,284,962                434,539,478       13.29%

           3.3.2 资产负债表中变化幅度超过30%的项目及变化原因

                                                                                   单位:千元

       项目          2018 年 12 月 31 日   2017 年 12 月 31 日     增减幅度              主要原因
                                                                                  买入返售金融资产规
买入返售金融资产               2,593,100           38,993,094           -93.35%
                                                                                  模下降
                                                                                  可供出售金融资产规
可供出售金融资产              58,553,823           36,711,027           59.50%
                                                                                  模扩大
                                                                                  应收款项类投资规模
应收款项类投资                58,118,773           42,326,666           37.31%
                                                                                  扩大
递延所得税资产                 2,422,215              1,802,427         34.39%    减值准备计提变动

向中央银行借款                  789,337                346,000          128.13%   支小再贷款增加
同业及其他金融机构
                               7,710,439              4,273,690         80.42%    同业存放规模扩大
存放款项
拆入资金                       1,078,473               572,458          88.39%    拆入资金规模扩大
                                                                                  卖出回购业务规模减
卖出回购金融资产款            11,169,065           41,873,494           -73.33%
                                                                                  少
应交税费                        807,701                371,287          117.54%   收入增加

应付债券                      80,774,151           43,668,227           84.97%    应付同业存单增加

预计负债                               -                35,067       -100.00%     未决诉讼已裁定

资本公积                       6,155,624              4,023,832         52.98%    IPO 发行溢价
                                                                  上年同期为负    可供出售金融资产公
其他综合收益                     96,641                 -19,874
                                                                            数    允价值变动

           3.3.3 主要资产项目

       (一)贷款

       1.报告期末,贷款的行业分布情况

                                                                                   单位:千元

                       行业                       2018 年 12 月 31 日             占比

       租赁和商务服务业                                      34,258,565                  18.44%

       水利、环境和公共设施管理业                            26,735,072                  14.39%


                                                 17
                                         成都银行股份有限公司 2018 年年度报告摘要


房地产业                                       20,093,892            10.81%

制造业                                         11,791,893               6.35%

建筑业                                          8,743,130               4.70%

批发和零售业                                    7,016,451               3.78%

交通运输、仓储和邮政业                          6,550,766               3.53%

电力、热力、燃气及水生产和供应业                5,373,496               2.89%

教育                                            2,381,703               1.28%

文化、体育和娱乐业                              1,571,728               0.85%

其他行业                                        6,461,221               3.46%

贴现                                            6,005,993               3.23%

个人贷款                                       48,845,961            26.29%

合计                                         185,829,871            100.00%

2.报告期末,贷款按地区分布情况

                                                                 单位:千元

                 城区                       金额                 占比

成都                                          141,592,719               76.20%

西安                                           13,641,870               7.34%

重庆                                            9,965,563               5.36%

其他地区                                       20,629,719               11.10%

总计                                          185,829,871           100.00%

3.报告期末,贷款按担保方式分布情况

                                                                 单位:千元

               担保方式              2018 年 12 月 31 日         占比

信用贷款                                       53,963,960               29.04%

保证贷款                                       41,429,391               22.29%

抵押贷款                                       75,295,313               40.52%

质押贷款                                       15,141,207               8.15%

合计                                          185,829,871           100.00%



                                   18
                                                          成都银行股份有限公司 2018 年年度报告摘要


         4.报告期末,前十名贷款客户情况

                                                                                     单位:千元
                                                                                占贷款总   占资本净额
 借款人                   行业                    贷款金额          五级分类
                                                                                额比例         比例
客户 A       房地产业                                   1,300,000    正常         0.70%           3.28%

客户 B       水利、环境和公共设施管理业                 1,150,000    正常         0.62%           2.90%

客户 C       水利、环境和公共设施管理业                 1,150,000    正常         0.62%           2.90%

客户 D       租赁和商务服务业                           1,149,000    正常         0.62%           2.90%

客户 E       租赁和商务服务业                           1,071,000    正常         0.57%           2.70%

客户 F       水利、环境和公共设施管理业                 1,008,050    正常         0.54%           2.55%

客户 G       租赁和商务服务业                           1,000,000    正常         0.54%           2.53%

客户 H       水利、环境和公共设施管理业                 1,000,000    正常         0.54%           2.53%

客户 I       房地产业                                   1,000,000    正常         0.54%           2.53%

客户 J       租赁和商务服务业                           1,000,000    正常         0.54%           2.53%

合计                                                   10,828,050                 5.83%         27.35%

         (二)买入返售金融资产

                                                                                     单位:千元

                                 2018 年 12 月 31 日                    2017 年 12 月 31 日
           品种
                             账面余额              占比              账面余额              占比

           债券                   2,593,100        100.00%              38,993,094         100.00%

           合计                   2,593,100        100.00%              38,993,094         100.00%

         (三)投资情况

                                                                                     单位:千元

                                 2018 年 12 月 31 日                    2017 年 12 月 31 日
           项目
                             账面余额              占比              账面余额              占比

    交易性金融资产                2,050,163             0.94%            1,856,286            1.12%

   可供出售金融资产              58,553,823            26.79%           36,711,027            22.19%

    持有至到期投资               99,789,149            45.67%           84,513,860            51.09%

    应收款项类投资               58,118,773            26.60%           42,326,666            25.59%


                                                 19
                                                    成都银行股份有限公司 2018 年年度报告摘要


      合计                    218,511,908       100.00%          165,407,839        100.00%

     3.3.4 主要负债项目

    (一)存款

    截止报告期末,本公司存款余额3,522.92亿元,较上年增长12.63%,其中活期存款

1,976.88亿元,定期存款1,487.46亿元。详细存款情况如下:

                                                                               单位:千元

                     项目                   2018年12月31日        2017年12月31日

       活期存款

             其中:公司存款                        159,433,178         134,152,770

                  个人存款                          38,254,346           37,407,251

       定期存款

             其中:公司存款                         71,134,210           65,028,452

                  个人存款                          77,612,159           63,324,721

       保证金存款                                    5,375,630            8,826,490

       财政性存款                                     233,065              123,548

       汇出汇款、应解汇款                             249,691             3,933,918

       合计                                        352,292,279         312,797,150

    (二)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款款项余额77.10亿元,较上年增加

80.42%,具体情况见下表:

                                                                               单位:千元

                     项目                   2018年12月31日       2017年12月31日

       境内同业                                       758,985              804,845

       境内其他金融机构                              6,917,844            3,232,878

       境外同业                                        33,610              235,967

       合计                                          7,710,439            4,273,690

四.财务报告情况说明


                                              20
                                            成都银行股份有限公司 2018 年年度报告摘要


    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

    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




                                                    成都银行股份有限公司董事会

                                                                 董事长:王晖
                                                               2019 年 4 月 24 日




                                       21
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