换肤

主营介绍

  • 主营业务:

    提供零售银行业务、公司银行业务及资金业务。

  • 产品类型:

    公司银行业务、零售银行业务、资金及同业业务、资产管理业务、电子银行业务

  • 产品名称:

    对公存贷款业务 、 投资银行业务 、 资产托管业务 、 养老金业务 、 贸易金融业务 、 小微金融业务 、 对私存款业务 、 个人贷款业务 、 银行卡业务 、 资金业务 、 同业业务 、 贵金属业务 、 资产管理业务 、 电子银行业务

  • 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;买卖、代理买卖外汇;提供信用证服务及担保;代理收付款项及代理保险业务;提供保管箱服务;经中国人民银行和外汇管理局批准的其他业务。

运营业务数据

最新公告日期:2020-03-28 
业务名称 2019-12-31 2018-12-31 2018-06-30 2017-12-31 2017-06-30
信用卡发卡量(张) 1149.83万 6052.73万 - 4526.33万 -
零售客户(户) 1.01亿 - - - -
信用卡累计交易额(元) 2.66万亿 2.29万亿 - 1.67万亿 -
借记卡发卡量(张) - 6508.00万 - 6066.00万 -
借记卡累计发卡量(张) - - 6298.00万 - 6058.00万
信用卡累计发卡量(张) - - 5130.93万 - 3969.74万

主营构成分析

{"2019-12-31":{"YYSR":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1","5467800.00"],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1","5323100.00"],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1","2476500.00"],["\u5176\u4ed6\u4e1a\u52a1","13800.00"]],"2":[["\u5229\u606f\u6536\u5165","21004400.00"],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165","2597700.00"],["\u6295\u8d44\u6536\u76ca","768900.00"],["\u6c47\u5151\u51c0\u6536\u76ca","133900.00"],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",-130300]],"3":[["\u957f\u6c5f\u4e09\u89d2\u6d32","2381300.00"],["\u603b\u884c","2290300.00"],["\u4e2d\u90e8\u5730\u533a","2199900.00"],["\u73af\u6e24\u6d77\u5730\u533a","2092600.00"],["\u73e0\u6c5f\u4e09\u89d2\u6d32","1839100.00"],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",2478000]]},"YYCB":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1",""],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1",""],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1",""],["\u5176\u4ed6\u4e1a\u52a1",""]],"2":[["\u5229\u606f\u6536\u5165",""],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165",""],["\u6295\u8d44\u6536\u76ca",""],["\u6c47\u5151\u51c0\u6536\u76ca",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]],"3":[["\u957f\u6c5f\u4e09\u89d2\u6d32",""],["\u603b\u884c",""],["\u4e2d\u90e8\u5730\u533a",""],["\u73af\u6e24\u6d77\u5730\u533a",""],["\u73e0\u6c5f\u4e09\u89d2\u6d32",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]]},"LRBL":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1",""],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1",""],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1",""],["\u5176\u4ed6\u4e1a\u52a1",""]],"2":[["\u5229\u606f\u6536\u5165",""],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165",""],["\u6295\u8d44\u6536\u76ca",""],["\u6c47\u5151\u51c0\u6536\u76ca",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]],"3":[["\u957f\u6c5f\u4e09\u89d2\u6d32",""],["\u603b\u884c",""],["\u4e2d\u90e8\u5730\u533a",""],["\u73af\u6e24\u6d77\u5730\u533a",""],["\u73e0\u6c5f\u4e09\u89d2\u6d32",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]]}},"2019-06-30":{"YYSR":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1","2703600.00"],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1","2683500.00"],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1","1224700.00"],["\u5176\u4ed6\u4e1a\u52a1","2100.00"]],"2":[["\u5229\u606f\u6536\u5165","10305000.00"],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165","1409700.00"],["\u6295\u8d44\u6536\u76ca","443100.00"],["\u6c47\u5151\u51c0\u6536\u76ca","77800.00"],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",-100200]],"3":[["\u603b\u884c","1407700.00"],["\u957f\u6c5f\u4e09\u89d2\u6d32","1194800.00"],["\u4e2d\u90e8\u5730\u533a","1058500.00"],["\u73af\u6e24\u6d77\u5730\u533a","986000.00"],["\u73e0\u6c5f\u4e09\u89d2\u6d32","856800.00"],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",1110100]]},"YYCB":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1",""],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1",""],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1",""],["\u5176\u4ed6\u4e1a\u52a1",""]],"2":[["\u5229\u606f\u6536\u5165",""],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165",""],["\u6295\u8d44\u6536\u76ca",""],["\u6c47\u5151\u51c0\u6536\u76ca",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]],"3":[["\u603b\u884c",""],["\u957f\u6c5f\u4e09\u89d2\u6d32",""],["\u4e2d\u90e8\u5730\u533a",""],["\u73af\u6e24\u6d77\u5730\u533a",""],["\u73e0\u6c5f\u4e09\u89d2\u6d32",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]]},"LRBL":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1",""],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1",""],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1",""],["\u5176\u4ed6\u4e1a\u52a1",""]],"2":[["\u5229\u606f\u6536\u5165",""],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165",""],["\u6295\u8d44\u6536\u76ca",""],["\u6c47\u5151\u51c0\u6536\u76ca",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]],"3":[["\u603b\u884c",""],["\u957f\u6c5f\u4e09\u89d2\u6d32",""],["\u4e2d\u90e8\u5730\u533a",""],["\u73af\u6e24\u6d77\u5730\u533a",""],["\u73e0\u6c5f\u4e09\u89d2\u6d32",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]]}},"2018-12-31":{"YYSR":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1","4651100.00"],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1","4479900.00"],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1","1893500.00"],["\u5176\u4ed6\u4e1a\u52a1","-100.00"]],"2":[["\u5229\u606f\u6536\u5165","16856700.00"],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165","3955200.00"],["\u6295\u8d44\u6536\u76ca\/(\u635f\u5931)","1091900.00"],["\u6c47\u5151\u51c0\u6536\u76ca","72400.00"],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",66400]],"3":[["\u603b\u884c","2687900.00"],["\u957f\u6c5f\u4e09\u89d2\u6d32","1802000.00"],["\u73af\u6e24\u6d77\u5730\u533a","1614400.00"],["\u4e2d\u90e8\u5730\u533a","1611000.00"],["\u73e0\u6c5f\u4e09\u89d2\u6d32","1416300.00"],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",1892800]]},"YYCB":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1",""],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1",""],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1",""],["\u5176\u4ed6\u4e1a\u52a1",""]],"2":[["\u5229\u606f\u6536\u5165",""],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165",""],["\u6295\u8d44\u6536\u76ca\/(\u635f\u5931)",""],["\u6c47\u5151\u51c0\u6536\u76ca",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]],"3":[["\u603b\u884c",""],["\u957f\u6c5f\u4e09\u89d2\u6d32",""],["\u73af\u6e24\u6d77\u5730\u533a",""],["\u4e2d\u90e8\u5730\u533a",""],["\u73e0\u6c5f\u4e09\u89d2\u6d32",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]]},"LRBL":{"1":[["\u96f6\u552e\u94f6\u884c\u4e1a\u52a1",""],["\u516c\u53f8\u94f6\u884c\u4e1a\u52a1",""],["\u91d1\u878d\u5e02\u573a\u4e1a\u52a1",""],["\u5176\u4ed6\u4e1a\u52a1",""]],"2":[["\u5229\u606f\u6536\u5165",""],["\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165",""],["\u6295\u8d44\u6536\u76ca\/(\u635f\u5931)",""],["\u6c47\u5151\u51c0\u6536\u76ca",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]],"3":[["\u603b\u884c",""],["\u957f\u6c5f\u4e09\u89d2\u6d32",""],["\u73af\u6e24\u6d77\u5730\u533a",""],["\u4e2d\u90e8\u5730\u533a",""],["\u73e0\u6c5f\u4e09\u89d2\u6d32",""],["\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1",0]]}}}
{"YYSR":{"chartWrap1":[{"name":"\u96f6\u552e\u94f6\u884c\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[5467800,2703600,4651100],"columnData":[41.17,40.88,42.19],"unit":["546.78\u4ebf","270.36\u4ebf","465.11\u4ebf"]},{"name":"\u516c\u53f8\u94f6\u884c\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[5323100,2683500,4479900],"columnData":[40.08,40.57,40.64],"unit":["532.31\u4ebf","268.35\u4ebf","447.99\u4ebf"]},{"name":"\u91d1\u878d\u5e02\u573a\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2476500,1224700,1893500],"columnData":[18.65,18.52,17.18],"unit":["247.65\u4ebf","122.47\u4ebf","189.35\u4ebf"]},{"name":"\u5176\u4ed6\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[13800,2100,-100],"columnData":[0.1,0.03,-0.0009],"unit":["1.38\u4ebf","2100.00\u4e07","-100\u4e07"]}],"chartWrap2":[{"name":"\u5229\u606f\u6536\u5165","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[21004400,10305000,16856700],"columnData":[86.17,84.92,76.47],"unit":["2100.44\u4ebf","1030.50\u4ebf","1685.67\u4ebf"]},{"name":"\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2597700,1409700,3955200],"columnData":[10.66,11.62,17.94],"unit":["259.77\u4ebf","140.97\u4ebf","395.52\u4ebf"]},{"name":"\u6295\u8d44\u6536\u76ca","timeData":["2019-12-31","2019-06-30"],"lineData":[768900,443100],"columnData":[3.15,3.65],"unit":["76.89\u4ebf","44.31\u4ebf"]},{"name":"\u6c47\u5151\u51c0\u6536\u76ca","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[133900,77800,72400],"columnData":[0.55,0.64,0.33],"unit":["13.39\u4ebf","7.78\u4ebf","7.24\u4ebf"]},{"name":"\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[-130300,-100200,66400],"columnData":[-0.54,-0.82,0.3],"unit":["-13.03\u4ebf","-10.02\u4ebf","6.64\u4ebf"]},{"name":"\u6295\u8d44\u6536\u76ca\/(\u635f\u5931)","timeData":["2018-12-31"],"lineData":[1091900],"columnData":[4.95],"unit":["109.19\u4ebf"]}],"chartWrap3":[{"name":"\u957f\u6c5f\u4e09\u89d2\u6d32","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2381300,1194800,1802000],"columnData":[17.93,18.06,16.35],"unit":["238.13\u4ebf","119.48\u4ebf","180.20\u4ebf"]},{"name":"\u603b\u884c","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2290300,1407700,2687900],"columnData":[17.24,21.28,24.38],"unit":["229.03\u4ebf","140.77\u4ebf","268.79\u4ebf"]},{"name":"\u4e2d\u90e8\u5730\u533a","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2199900,1058500,1611000],"columnData":[16.56,16,14.61],"unit":["219.99\u4ebf","105.85\u4ebf","161.10\u4ebf"]},{"name":"\u73af\u6e24\u6d77\u5730\u533a","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2092600,986000,1614400],"columnData":[15.76,14.91,14.64],"unit":["209.26\u4ebf","98.60\u4ebf","161.44\u4ebf"]},{"name":"\u73e0\u6c5f\u4e09\u89d2\u6d32","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[1839100,856800,1416300],"columnData":[13.85,12.95,12.85],"unit":["183.91\u4ebf","85.68\u4ebf","141.63\u4ebf"]},{"name":"\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[2478000,1110100,1892800],"columnData":[18.65,16.78,17.17],"unit":["247.80\u4ebf","111.01\u4ebf","189.28\u4ebf"]}]},"YYCB":{"chartWrap1":[{"name":"\u96f6\u552e\u94f6\u884c\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u516c\u53f8\u94f6\u884c\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u91d1\u878d\u5e02\u573a\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u5176\u4ed6\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]}],"chartWrap2":[{"name":"\u5229\u606f\u6536\u5165","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u6295\u8d44\u6536\u76ca","timeData":["2019-12-31","2019-06-30"],"lineData":[0,0],"columnData":[0,0],"unit":["0.00","0.00"]},{"name":"\u6c47\u5151\u51c0\u6536\u76ca","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u6295\u8d44\u6536\u76ca\/(\u635f\u5931)","timeData":["2018-12-31"],"lineData":[0],"columnData":[0],"unit":["0.00"]}],"chartWrap3":[{"name":"\u957f\u6c5f\u4e09\u89d2\u6d32","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u603b\u884c","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u4e2d\u90e8\u5730\u533a","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u73af\u6e24\u6d77\u5730\u533a","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u73e0\u6c5f\u4e09\u89d2\u6d32","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]}]},"LRBL":{"chartWrap1":[{"name":"\u96f6\u552e\u94f6\u884c\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u516c\u53f8\u94f6\u884c\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u91d1\u878d\u5e02\u573a\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u5176\u4ed6\u4e1a\u52a1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]}],"chartWrap2":[{"name":"\u5229\u606f\u6536\u5165","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u624b\u7eed\u8d39\u53ca\u4f63\u91d1\u6536\u5165","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u6295\u8d44\u6536\u76ca","timeData":["2019-12-31","2019-06-30"],"lineData":[0,0],"columnData":[0,0],"unit":["0.00","0.00"]},{"name":"\u6c47\u5151\u51c0\u6536\u76ca","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u6295\u8d44\u6536\u76ca\/(\u635f\u5931)","timeData":["2018-12-31"],"lineData":[0],"columnData":[0],"unit":["0.00"]}],"chartWrap3":[{"name":"\u957f\u6c5f\u4e09\u89d2\u6d32","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u603b\u884c","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u4e2d\u90e8\u5730\u533a","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u73af\u6e24\u6d77\u5730\u533a","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u73e0\u6c5f\u4e09\u89d2\u6d32","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]},{"name":"\u5176\u4ed6\u4e1a\u52a1\u603b\u8ba1","timeData":["2019-12-31","2019-06-30","2018-12-31"],"lineData":[0,0,0],"columnData":[0,0,0],"unit":["0.00","0.00","0.00"]}]}}

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 零售银行业务 546.78亿 41.17% - - - -
公司银行业务 532.31亿 40.08% - - - -
金融市场业务 247.65亿 18.65% - - - -
其他业务 1.38亿 0.10% - - - -
按产品 利息收入 2100.44亿 86.17% - - - -
手续费及佣金收入 259.77亿 10.66% - - - -
投资收益 76.89亿 3.15% - - - -
汇兑净收益 13.39亿 0.55% - - - -
其他业务收入 7.51亿 0.31% - - - -
其他收益 1.08亿 0.04% - - - -
公允价值变动收益 -21.62亿 -0.89% - - - -
按地区 长江三角洲 238.13亿 17.93% - - - -
总行 229.03亿 17.24% - - - -
中部地区 219.99亿 16.56% - - - -
环渤海地区 209.26亿 15.76% - - - -
珠江三角洲 183.91亿 13.85% - - - -
西部地区 158.90亿 11.96% - - - -
西部地区东北地区 66.32亿 4.99% - - - -
境外 22.58亿 1.70% - - - -

主要客户及供应商

您对此栏目的评价: 有用 没用 提建议
前5大客户:共销售了206.10亿元,占营业收入的1.22%
  • 交通运输、仓储和邮政业
  • 公共管理和社会组织
  • 制造业
  • 水利、环境和公共设施管理业
  • 制造业1
  • 其他
客户名称 销售额(元) 占比
交通运输、仓储和邮政业
60.61亿 0.36%
公共管理和社会组织
47.95亿 0.28%
制造业
34.04亿 0.20%
水利、环境和公共设施管理业
33.50亿 0.20%
制造业1
30.00亿 0.18%
前5大客户:共销售了205.62亿元,占营业收入的1.45%
  • 交通运输、仓储和邮政业
  • 公共管理和社会组织
  • 房地产业
  • 制造业
  • 批发和零售业
  • 其他
客户名称 销售额(元) 占比
交通运输、仓储和邮政业
63.75亿 0.45%
公共管理和社会组织
47.95亿 0.34%
房地产业
34.00亿 0.24%
制造业
30.02亿 0.21%
批发和零售业
29.90亿 0.21%

董事会经营评述

  主营业务:
公司从事银行业及相关金融服务。
  一、本行整体经营情况
  (一)资产负债平稳增长,业务结构持续优化
  报告期末,本集团资产总额47,334.31亿元,比上年末增加3,760.99亿元,增长8.63%;贷款和垫款本金总额27,122.04亿元,比上年末增加2,908.75亿元,增长12.01%,贷款和垫款本金总额在总资产中占比57.30%,比上年末上升1.73个百分点;存款余额30,178.88亿元,比上年末增加4,459.27亿元,增长17.34%,存款余额在总负债中占比69.42%,比上年末上升5.68个百分点。
  (二)营业收入较快增长,盈利能力显著提升
  ... 查看全部▼

  主营业务:
公司从事银行业及相关金融服务。
  一、本行整体经营情况
  (一)资产负债平稳增长,业务结构持续优化
  报告期末,本集团资产总额47,334.31亿元,比上年末增加3,760.99亿元,增长8.63%;贷款和垫款本金总额27,122.04亿元,比上年末增加2,908.75亿元,增长12.01%,贷款和垫款本金总额在总资产中占比57.30%,比上年末上升1.73个百分点;存款余额30,178.88亿元,比上年末增加4,459.27亿元,增长17.34%,存款余额在总负债中占比69.42%,比上年末上升5.68个百分点。
  (二)营业收入较快增长,盈利能力显著提升
  报告期内,本集团实现营业收入1,328.12亿元,同比增加225.68亿元,增长20.47%。其中,利息净收入1,019.18亿元,同比增加237.54亿元,增长30.39%;手续费及佣金净收入231.69亿元,同比增加33.96亿元,增长17.17%。实现净利润374.41亿元,同比增加37.20亿元,增长11.03%。加权平均净资产收益率11.77%,同比上升0.22个百分点。
  (三)资产质量保持平稳,风险抵御能力增强
  报告期末,本集团不良贷款余额422.12亿元,比上年末增加37.91亿元;不良贷款率1.56%,比上年末下降0.03个百分点;拨备覆盖率181.62%,比上年末上升5.46个百分点,风险指标稳中向好。
  (四)资本管理取得成效,资本充足率保持较高水平
  报告期末,本集团资本充足率13.47%,一级资本充足率11.08%,核心一级资本充足率9.20%,均优于监管要求。
  (二)营业收入
  报告期内,本集团实现营业收入1,328.12亿元,比上年增加225.68亿元,增长20.47%。利息净收入占比76.74%,同比上升5.84个百分点;手续费及佣金净收入占比17.44%,同比下降0.50个百分点。
  (三)利息净收入
  报告期内,本集团利息净收入1,019.18亿元,同比增加237.54亿元,增长30.39%。
  本集团净利差2.18%,同比上升27个BPs;净利息收益率2.31%,同比上升34个BPs,主要是资产负债结构优化,负债成本率下降。
  (四)利息收入报告期内,本集团实现利息收入2,100.44亿元,同比增加243.56亿元,增长13.12%,主要是贷款和垫款利息收入增长。
  1、贷款和垫款利息收入
  报告期内,本集团实现贷款和垫款利息收入1,454.52亿元,同比增加233.44亿元,增长19.12%,主要是贷款规模增长及贷款收益率上升。
  2、投资利息收入报告期内,本集团投资利息收入480.73亿元,同比增加22.03亿元,增长4.80%,主要是投资规模增长。
  3、拆出、存放同业及买入返售金融资产利息收入
  报告期内,本集团拆出、存放同业及买入返售金融资产利息收入70.55亿元,同比减少21.76亿元,下降23.57%,主要是拆出、存放同业及买入返售金融资产收益率下降。
  (五)利息支出
  报告期内,本集团利息支出1,081.26亿元,同比增加6.02亿元,增长0.56%,主要是客户存款利息支出增加。
  1、客户存款利息支出
  报告期内,客户存款利息支出639.54亿元,同比增加129.28亿元,增长25.34%,主要是客户存款规模增长及利率上升。
  2、同业存放、拆入及卖出回购款项利息支出报告期内,本集团同业存放、拆入及卖出回购款项利息支出289.51亿元,同比减少93.13亿元,下降24.34%,主要是规模及同业利率下降。
  3、发行债券利息支出
  报告期内,本集团发行债券利息支出152.21亿元,同比减少30.13亿元,下降16.52%,主要是发行债券利率下降。
  (六)手续费及佣金净收入
  报告期内,本集团手续费及佣金净收入231.69亿元,同比增加33.96亿元,增长17.17%,主要是银行卡服务手续费收入同比增加26.40亿元,增长22.91%。
  (七)其他收入报告期内,本集团其他收入77.25亿元,同比减少45.82亿元,主要是投资收益下降及公允价值变动。
  (八)业务及管理费报告期内,本集团业务及管理费362.18亿元,同比增加44.82亿元,增长14.12%。成本收入比27.27%,同比下降1.52个百分点。
  (九)资产减值损失报告期内,本集团坚持客观审慎的拨备政策,持续夯实拨备基础,增强风险抵御能力,计提资产减值损失493.47亿元,同比增加135.19亿元,增长37.73%。
  (十)所得税费用报告期内,本集团所得税费用77.22亿元,同比增加5.91亿元,增长8.29%,主要是营业利润增加。
  未来发展展望:
  (一)行业格局和发展趋势
  2020年,中国银行业将有效防范化解金融风险,确保不发生系统性金融风险;大力做好稳就业、稳金融、稳外贸、稳外资、稳投资、稳预期“六稳”相关工作,推动深化金融供给侧结构性改革,提升对外开放水平;有力支持国家重大战略实施,推进治理体系和治理能力现代化建设。
  (二)经营计划
  2020年,本行将把握总体平稳的市场环境,保持各项业务持续较快发展;顺应利率走势,优化信贷经营策略,加大存款结构调整和成本控制力度;坚决守住风险底线,向风险管理要效益;坚持创新引领,发挥金融科技和财富管理优势。在当前经营环境和监管政策不发生重大变化的情况下,争取实现贷款增长不低于10%。该经营计划不构成本行对投资者的业绩承诺,投资者对此应保持足够风险意识,理解经营计划与业绩承诺之间的差异。
  (三)资本需求计划
  本行将基于财务预算、战略规划及压力测试结果制定资本规划及资本计划;根据实际情况,积极进行内源式补充并拓展外部补充渠道,进一步夯实资本基础;实施逆周期资本管理,平滑经济周期波动、监管政策变动的影响,保障可持续发展。
  (四)可能面临的风险及应对措施
  2020年,从国际环境看,世界经济处在国际金融危机后的深度调整期,增长仍面临放缓压力。从国内看,我国处在转变发展方式、优化经济结构、转换增长动力的攻关期,经济下行压力加大,特别是遭受新冠疫情冲击,阶段性、暂时性影响不可避免,但经济稳中向好、长期向好的基本趋势没有改变。
  本行将坚持“稳中求进、变中求机、进中求新”的工作思路,践行新发展理念,推动高质量发展,提升价值创造能力,围绕“打造一流财富管理银行”,重点做好以下工作:一是保持战略定力,深入推进战略落地;二是深化推进体制机制改革,释放持续增长动力;三是推进转型创新,持续优化结构,加大科技投入,强化科技支撑;四是提升经营效率,优化资本使用,提升人员机构产能;五是加强全面风险管理,持续巩固资产质量,促进业务持续健康发展;六是深入分析,准确判断,全方位采取措施,应对国内外新冠疫情对经营管理带来的挑战和影响。 收起▲