换肤

主营介绍

  • 主营业务:

    吸收存款;发放贷款;办理国内外结算;发行金融债券;同业拆借等业务

  • 产品类型:

    贷款、拆放同业、存放中央银行款项、存放同业、债券投资

  • 产品名称:

    贷款 、 拆放同业 、 存放中央银行款项 、 存放同业 、 债券投资

  • 经营范围:

    吸收公众存款;发放短期、中期和长期贷款;办理国内外结算;办理票据承兑与贴现;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、金融债券;从事同业拆借;买卖、代理买卖外汇;从事银行卡业务;提供信用证服务及担保;代理收付款项;提供保管箱服务;结汇、售汇业务;保险兼业代理业务;经银保监会批准的其他业务。

运营业务数据

最新公告日期:2019-08-13 
业务名称 2019-06-30 2018-12-31 2018-06-30 2017-12-31 2016-06-30
存款总额(元) 1.78万亿 1.49万亿 1.46万亿 1.43万亿 1.38万亿
贷款总额(元) 1.68万亿 1.61万亿 1.54万亿 1.39万亿 1.16万亿
总资产规模(元) 3.02万亿 2.68万亿 2.57万亿 2.51万亿 2.25万亿
小微企业贷款余额(元) - - - - 2580.30亿

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 发放贷款和垫款利息收入 395.33亿 54.78% - - - -
债权投资利息收入 146.89亿 20.35% - - - -
手续费收入 114.84亿 15.91% - - - -
其他债权投资利息收入 25.53亿 3.54% - - - -
存放中央银行款项利息收入 13.42亿 1.86% - - - -
拆出资金利息收入 11.46亿 1.59% - - - -
买入返售金融资产利息收入 9.17亿 1.27% - - - -
其他业务 3.16亿 0.44% - - - -
存放同业款项利息收入 1.91亿 0.26% - - - -
按产品 利息收入 603.71亿 83.62% - - - -
手续费及佣金收入 114.84亿 15.91% - - - -
投资收益 5.19亿 0.72% - - - -
其他业务收入 7100.00万 0.10% - - - -
公允价值变动收益/(损失) 3000.00万 0.04% - - - -
资产处置损益 2300.00万 0.03% - - - -
其他收益 1800.00万 0.02% - - - -
汇兑收益/(损失) -3.18亿 -0.44% - - - -
按地区 华北及东北地区 181.74亿 45.67% 155.38亿 23.34% -9.84% 14.50%
华东地区 87.79亿 22.06% 36.37亿 5.46% -19.20% 58.57%
华南及华中地区 71.03亿 17.85% 447.02亿 67.14% 140.37% -529.34%
西部地区 57.41亿 14.43% 27.06亿 4.06% -11.33% 52.87%

董事会经营评述

  一、公司业务概要
  (一)报告期内公司所从事的主要业务、经营模式及行业情况说明:
  本公司主要经营范围:吸收公众存款;发放短期、中期和长期贷款;办理国内外结算;办理票据承兑与贴现;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、金融债券;从事同业拆借;买卖、代理买卖外汇;从事银行卡业务;提供信用证服务及担保;代理收付款项;提供保管箱服务;结汇、售汇业务;保险兼业代理业务;经银保监会批准的其他业务。
  以发展规划为引领,坚持以推进市场化发展和综合化经营为总体策略,紧紧围绕“存款立行”战略导向,深化落实“3-3-1-1”客户战略定位,建立协调运作机制,做大做强公司金融业务,... 查看全部▼

  一、公司业务概要
  (一)报告期内公司所从事的主要业务、经营模式及行业情况说明:
  本公司主要经营范围:吸收公众存款;发放短期、中期和长期贷款;办理国内外结算;办理票据承兑与贴现;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、金融债券;从事同业拆借;买卖、代理买卖外汇;从事银行卡业务;提供信用证服务及担保;代理收付款项;提供保管箱服务;结汇、售汇业务;保险兼业代理业务;经银保监会批准的其他业务。
  以发展规划为引领,坚持以推进市场化发展和综合化经营为总体策略,紧紧围绕“存款立行”战略导向,深化落实“3-3-1-1”客户战略定位,建立协调运作机制,做大做强公司金融业务,努力服务和支持实体经济的发展。依托公司金融板块内各条线联动,以及公司金融、零售及普惠金融、金融市场板块间业务协同,推进打造协同营销体系,积极实践“商业银行+投资银行”的经营模式,以综合化手段服务公司客户。完善产品研发机制,提高产品研发效率和推广效果,提升客户体验度。
  立足服务民生和实体经济,适应居民消费结构升级需要,坚定实施零售业务做大做强战略,强化零售业务发展定力,推动零售金融板块协同快速发展;围绕消费信贷、财富管理、收单支付和普惠金融四大重点客群,做大零售客户群体和业务规模,提高零售业务占比和价值贡献。以客户为中心,深化零售业务专业化改革,加快推进财富管理转型,建立整体联动、统筹高效的大零售联席联动工作机制,构建客户信息资源共享平台,强化零售业务与金融科技融合发展,打造零售金融板块专业化经营体系。巩固壮大消费信贷、财富管理、支付收单和普惠金融服务为主线的零售金融业务,零售存款占比快速提升,个人贷款增长提速,零售贷款总量扩大与结构优化,零售客群价值显著增加。
  以合规经营和创新发展为主旨,立足服务实体经济和客户,推动金融市场、资产管理、资产托管等协同稳健发展。本公司加强市场研判,根据国内外市场变化适时调整业务策略,做好风险管控,提高投资管理能力,保持金融市场板块业务规模稳步增长。持续推进和落实综合化经营战略,通过同业业务、货币交易、债券交易、外汇交易、商品交易、资产管理和托管等业务发展,加深市场参与力度,做大交易量,不断提升本公司市场影响力和综合化服务实体经济能力。

  二、经营情况讨论与分析
  (一)总体经营状况分析
  报告期内,本公司坚持稳中求进的总基调,全力推动四年发展规划纲要落地实施,优化资源配置,推动高质量发展,取得较好的经营业绩。
  1、业务规模较快增长
  报告期末,本集团总资产规模达到30,226.94亿元,比年初增加3,421.14亿元,增长12.76%,提前完成四年规划目标;贷款总额17,798.05亿元,比年初增加1,662.89亿元,增长10.31%;存款总额16,770.64亿元,比年初增加1,845.72亿元,增长12.37%。
  2、经营效益稳步提升
  报告期内,本集团归属于上市公司股东的净利润105.43亿元,同比增加5.08亿元,增长5.06%,比去年同期快3.04个百分点;实现营业收入397.97亿元,同比增加69.21亿元,增长21.05%,比去年同期快22.49个百分点;资产收益率0.37%,净资产收益率4.99%。
  3、业务结构更加优化
  一是加强资产负债结构调整和息差管控。灵活应对市场变化,主动调整资产结构,贷款投放的业务、地区、行业结构进一步优化,推行存款分类管理,合理管控成本,在面临负债成本和资产收益的双重压力下,息差管控取得较好效果,上半年净息差2.09%、净利差1.96%,分别同比提升23个、26个bp。二是中间业务收入实现较快增长。信用卡、理财、国际、托管、投行、网络金融等业务发展较快,实现中间业务收入112.37亿元,同比增长10.57%,中间业务收入占比28.24%。三是成本费用有效控制。加快人员结构调整,加强投入产出分析,深化管理会计盈利计量应用,降低运营成本,提高精细化管理水平,成本收入比26.64%,同比下降7.76个百分点。
  4、服务实体经济取得积极成果
  一是深化服务首都“四个中心”功能建设和京津冀协同发展。加大支持京津冀重点项目力度,助力首都经济“开门红”,服务科技创新中心、文化创意类企业发展,积极利用资本市场提供综合金融服务。二是大力发展普惠金融。制定行动计划,推动小微企业业务高质量发展,制定脱贫攻坚工作方案及计划,落实各项扶贫工作措施。三是继续推进绿色金融特色业务发展。承接世界银行全球最大储能项目“中国可再生能源和电池储能促进项目”,绿色金融形成良好的社会形象和市场效应。在中国银行业协会组织的评选中,本公司荣获“最佳绿色金融成效奖”和“最佳精准扶贫贡献奖”。
  5、金融科技战略深入推进
  一是重点科技项目稳步推进。数字化信贷服务平台、现金管理平台等项目取得阶段性成果,手机银行5.0项目敏捷试点、客户经理移动APP整合持续推进。二是建立零售业务融合嵌入开发机制。加强协同联动,推进网贷平台、财富管理系统等项目建设。三是完善金融科技创新激励机制。建立科技创新成果共享机制,金融科技基础进一步夯实。
  6、合规经营水平有效提升
  一是深入开展“巩固治乱象成果促进合规建设”暨“合规管理提升年”工作,完善各项工作规范,严格落实各项责任。二是落实监管要求。扎实推进交叉金融业务领域问题整改,积极完善相关业务流程。三是加强反洗钱管理。推动反洗钱数据质量提升,加快推进反洗钱系统优化。

  三、可能面对的风险
  2019年,中国经济运行总体平稳,新旧动能转换步伐加快,经济增长保持韧性。但外部经济环境总体趋紧,结构性矛盾还比较突出。
商业银行面临如下挑战:
一是信用风险管理压力仍然较大。结构性去杠杆持续推进,部分传统支柱产业进入调整期,给商业银行信用风险管理带来压力。
  二是流动性管理需要重视。银行业存款增长平稳,定期存款占比下降,贷款保持较快增长,中长期贷款增长有所加快,对商业银行流动性管理提出更高要求。
  三是市场风险加大。金融市场波动加大,人民币汇率双向浮动,商业银行面临的市场风险压力加大。

  四、报告期内核心竞争力分析
  本公司积极落实“创新、协调、绿色、开放、共享”五大发展理念,不断提升核心竞争力,努力建设成为“大而强”“稳而优”的现代金融集团。
  金融科技引领转型发展成效显现。把推动金融科技创新作为六大战略重点之首,打造差异化竞争优势,转型成效显现。运用金融科技推动零售业务发展实现重要突破,在风险可控的前提下加快发展网络信贷,有效促进零售金融的规模增长和收益提升。围绕数字化银行建设,推进数字化流程再造工程,力求实现业务全流程的数字化、线上化与自动化。
  零售业务加快发展,业务规模和占比稳步提升,贡献逐步增强。确定以零售业务做为全行发展转型的突破口,加快弥补发展不足的短板,强化协同统筹,强化零售文化建设,加大资源配置向零售业务倾斜,加快“专业化、精细化、系统化、数字化”能力建设,实现了零售业务规模、结构占比、效益贡献和客户规模的快速增长。
  中小企业金融服务不断完善。积极贯彻党中央和国务院支持民营经济和小微企业发展的部署,大力深化“中小企业金融服务商”战略。坚持“服务专业化、业务品牌化、经营特色化、管理精细化”,采取配置专门信贷资源、缩短企业融资链条、降低民营和小微企业融资成本等一整套政策措施,积极服务破解民营和小微企业融资难和融资贵的困局,大力支持民营和小微企业发展壮大。
  “京津冀金融服务主办行”建设深入推进。紧紧围绕北京“四个中心”功能定位,牢牢把握雄安新区和北京城市副中心建设的契机,持续加大对京津冀协同发展、产业转移升级、环境保护治理以及疏解非首都核心功能等重要领域的资源投入,为京津冀地区产业结构优化、生态环境建设、交通设施一体化等提供综合化金融服务。
  绿色金融特色品牌持续加强。顺应国家经济转型和产业结构调整方向,持续加强“绿助成长、美丽华夏”绿色金融品牌建设,加入联合国“负责任投资原则”组织(PRI),积极践行ESG投资理念,形成了强化国际合作、注重产融结合、创新服务模式的业务特色,力争实现全行绿色资产占比位居可比同业前列。 收起▲