换肤

主营介绍

  • 主营业务:

    吸收公众存款;发放短期、中期和长期贷款;办理国内结算;办理票据贴现;发行金融债券。

  • 产品类型:

    客户贷款及垫款、客户存款、同业拆入

  • 产品名称:

    个人贷款及垫款 、 公司贷款及垫款 、 票据贴现 、 个人存款 、 公司存款 、 同业拆入

  • 经营范围:

    吸收公众存款;发放短期、中期和长期贷款;办理国内结算;办理票据贴现;发行金融债券;代理发行、代理兑付、承销政府债券;买卖政府债券;从事同业拆借;从事银行卡业务;提供担保;代理收付款项及代理保险业务;提供保管箱业务;办理地方财政信用周转使用资金的委托贷款业务;外汇存款、贷款、汇款;外币兑换;国际结算,结汇、售汇;同业外汇拆借;外币票据的承兑和贴现;外汇担保;经中国银行业监督管理机构、中国人民银行和国家外汇管理机关批准的其他业务。

运营业务数据

最新公告日期:2022-04-08 
业务名称 2021-12-31 2021-06-30 2020-12-31 2020-06-30 2019-12-31
存款余额(元) 6941.00亿 - 9251.74亿 - 7715.21亿
贷款余额(元) 2847.00亿 - 6877.15亿 - 5291.02亿
公司银行基础客户数(户) - 11.00万 - 9.50万 -
托管客户数(家) - 615.00 - 829.00 -
新增信用卡发卡量(张) - 41.00万 - 50.00万 -
票据贴现客户数(户) - 1.79万 - 1.53万 -
私人银行客户数(户) - 1.12万 - 6866.00 -
行外理财托管客户数(家) - 133.00 - 113.00 -
财富客户数(户) - 707.00万 - 604.00万 -
零售基础客户数(户) - 37.40万 - 32.30万 -
个人客户数(户) - - - 1451.00万 -
个人贷款客户数(户) - - - 472.40万 -
企业客户数(户) - - - 41.76万 -
国际业务客户数(户) - - - 2.90万 -
普卡客户数(户) - - - 513.90万 -
白金客户数(户) - - - 36.10万 -
金卡客户数(户) - - - 52.90万 -
钻石客户数(户) - - - 1.10万 -

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 个人业务 193.85亿 36.73% - - - -
公司业务 183.04亿 34.68% - - - -
资金业务 147.57亿 27.96% - - - -
其他业务 3.28亿 0.62% - - - -
按产品 利息收入 677.62亿 76.14% - - - -
投资收益 125.31亿 14.08% - - - -
手续费及佣金收入 94.25亿 10.59% - - - -
其他收益 3.03亿 0.34% - - - -
其他业务收入 1800.00万 0.02% - - - -
资产处置收益 700.00万 0.0079% - - - -
公允价值变动损益 -1.05亿 -0.12% - - - -
汇兑损益 -9.39亿 -1.06% - - - -

董事会经营评述

  2022年一季度,面对全球新冠疫情反复、国内经济下行压力加大等外部形势变化,公司在董事会的领导下,坚守主业,回归本源,稳步实施“大银行做不好,小银行做不了”的经营策略,坚持在服务实体经济的过程中用专业为客户创造价值,持续积累差异化的比较优势,在经营管理上继续取得新成绩,可持续发展能力进一步增强。主要体现在:
  (一)经营逻辑持续升级,经营品质更加趋优。公司践行“专注主业,回归本源,服务实体”的经营理念,在持之以恒推进各项经营策略的基础上,通过搭建开放、创新、共赢的客户经营体系,不断升级客户经营逻辑,坚守审慎经营风险管理文化,推动公司“规模、效益、质量”协同发展。截至2022年3月末,公司... 查看全部▼

  2022年一季度,面对全球新冠疫情反复、国内经济下行压力加大等外部形势变化,公司在董事会的领导下,坚守主业,回归本源,稳步实施“大银行做不好,小银行做不了”的经营策略,坚持在服务实体经济的过程中用专业为客户创造价值,持续积累差异化的比较优势,在经营管理上继续取得新成绩,可持续发展能力进一步增强。主要体现在:
  (一)经营逻辑持续升级,经营品质更加趋优。公司践行“专注主业,回归本源,服务实体”的经营理念,在持之以恒推进各项经营策略的基础上,通过搭建开放、创新、共赢的客户经营体系,不断升级客户经营逻辑,坚守审慎经营风险管理文化,推动公司“规模、效益、质量”协同发展。截至2022年3月末,公司资产总额22,191.92亿元,比年初增长10.10%;各项存款12,986.69亿元,比年初增长23.34%;各项贷款9,299.14亿元,比年初增长7.79%。2022年一季度,公司实现归属于母公司股东的净利润57.20亿元,同比增长20.80%;实现营业收入152.63亿元,同比增长15.40%;不良贷款率0.77%,与年初持平。
  (二)商业模式不断优化,发展动能稳步增强。公司各利润中心秉承“专业创造价值”,借助金融科技积极把握数字化改革的机遇,致力于在各个业务触点上为客户提供全方位的金融服务,不断增强客户与银行的合作黏性;持续聚焦核心客户积累,优化商业模式,推动盈利保持稳健增长。2022年一季度,公司实现利息净收入94.94亿元,同比增长12.59%,在营业收入中占比为62.20%;实现非利息净收入57.69亿元,同比增长20.34%,在营业收入中占比为37.80%。
  (三)管理体系协同变革,转型效率继续向好。公司持续强化战略转型与管理升级的协同性,通过实施智慧银行战略,加快融合创新,在金融产品、服务渠道、营销经营、营运风控四大领域持续为业务赋能、为客户赋能;通过实施轻型银行战略,在资本管理、资源配置、产能提升等方面不断探索符合自身战略定位和长远发展目标的体系、机制与措施,推动资本充足与资本效率持续保持在行业较好水平,成本收入比逐步改善。截至2022年3月末,公司资本充足率为14.92%,一级资本充足率为10.98%,核心一级资本充足率为9.93%;年化加权平均净资产收益率为16.63%,与年初持平。2022年一季度,公司成本收入比为32.70%,同比下降1.59个百分点。 收起▲