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华夏银行(600015)公告正文

华夏银行2007年半年度报告摘要

公告日期:2007-08-27

股票简称 华夏银行 股票代码 600015
华夏银行股份有限公司2007年半年度报告摘要

    1重要提示
    1.1  本公司董事会、监事会及其董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性负个别及连带责任。
    本半年度报告摘要摘自半年度报告全文,报告全文同时刊载于上海证券交易所网站:http://www.sse.com.cn。投资者欲了解详细内容,应当仔细阅读半年度报告全文。
    1.2  没有董事声明对半年度报告内容的真实性、准确性、完整性无法保证或存在异议。
    1.3公司第四届董事会第二十三次会议于2007年8月23日审议通过了《公司2007年半年度报告》及摘要。会议应到董事18名,实际到会董事15名,孙伟伟、张萌董事委托方建一副董事长行使表决权,牧新明独立董事委托高培勇独立董事行使表决权。
    1.4    公司半年度财务会计报告已经北京京都会计师事务所有限责任公司根据国内审计准则审计,并出具了标准审计报告。
    1.5    公司董事长翟鸿祥、行长吴建、财务负责人刘熙凤及会计机构负责人孙立国,保证半年度报告中财务报告的真实、完整。
    2公司基本情况
    2.1公司基本信息
      股票简称          华夏银行
      股票代码          600015
      上市证券交易所    上海证券交易所
                        董事会秘书                             证券事务代表
      姓名              赵军学                                 张太旗
      联系地址          北京市东城区建国门内大街22号           北京市东城区建国门内大街22号
      电话              01085239938,01085238570               01085239938,01085238570
      传真              01085239605                            01085239605
      电子信箱          zhdb@hxb.com.cn                        zhdb@hxb.com.cn
        2.2主要财务数据和指标
        2.2.1主要会计数据和财务指标
                                                                   (单位:人民币千元)
                                                                          本报告期末比
                                                    上年度期末            上年度期末增
                             本报告期末        调整后         调整前        减(%)
           总资产              481,021,259   444,939,527   445,053,424            8.11%
          股东权益              12,014,851    11,642,795     11,642,795           3.20%
      每股净资产(元)                2.86          2.77           2.77           3.25%
                                                                          本报告期比上
                                                                           年同期增减
                          报告期(1-6月)           上年同期                (%)
          营业利润               1,775,442                    1,272,993          39.47%
          利润总额               1,668,179                    1,112,473          49.95%
           净利润                1,010,018                      745,357          35.51%
     扣除非经常性损益后
                                 1,111,686                      854,769          30.06%
          的净利润
     基本每股收益(元)               0.24                         0.18          33.33%
     稀释每股收益(元)               0.24                         0.18          33.33%
        净资产收益率                 8.41%                        6.94%   1.47个百分点
     经营活动产生的现金
                               -22,171,215                   14,624,110        -251.61%
          流量净额
     每股经营活动产生的
                                     -5.28                         3.48        -251.72%
     现金流量净额(元)
        2.2.2非经常性损益项目
                                                                  (单位:人民币千元)
               非经常性损益项目                                金额
    非流动资产处置损益                                                           1,643
    与公司主营业务无关的预计负债产生的损益                                      -8,550
    除上述各项之外的其他营业外收支净额                                        -100,356
    非经常性损益对应的所得税                                                     5,595
    合计                                                                      -101,668
        2.2.3国内外会计准则差异
                                                                  (单位:人民币千元)
                                            国内会计准则            国际会计准则
                  净利润                          1,010,018                  1,010,018
                  净资产                         12,014,851                 12,234,616
                                         净资产差异为境外报告未摊销的可供出售投资未
                 差异说明                实现收益余额。
        2.2.4报告期贷款损失准备金情况
                                                                  (单位:人民币千元)
     期初余额                                                                 5,964,160
     报告期计提                                                               1,756,882
     报告期收回                                                                   6,911
     报告期核销                                                                 788,931
     报告期转出                                                                     421
     已减值贷款利息冲转                                                         132,655
     期末余额                                                                 6,805,946
        2.2.5截止报告期末前三期补充财务数据
                                                                  (单位:人民币千元)
                                                   2006年12月31日
             项目
                            2007年6月30日        调整后        调整前       2006年6月30日
     存款总额                   380,383,182    371,062,055   371,295,024         337,657,077
        其中:长期存款            55,831,413    64,689,461    64,689,461          60,957,478
     贷款总额                    290,266,549   259,767,145   259,767,145         260,830,451
     其中:短期贷款              129,082,562   146,520,845   146,520,845         128,211,709
           进出口押汇              1,466,609       969,478       969,478             771,131
           贴现                   22,985,308    24,454,467    24,454,467          59,318,602
           中长期贷款           128,502,897     80,433,762    80,433,762          64,592,241
           逾期贷款               8,229,173      7,388,593     7,388,593           7,936,768
        注:存款总额包括短期存款、短期储蓄存款、应解汇款及临时存款、存入短期保证金、长期存款、长期储蓄存款、存入长期保证金、汇出汇款。2006年6月30日未包括汇出汇款。
        长期存款包括长期存款、长期储蓄存款、存入长期保证金。
        贷款总额包括短期贷款、进出口押汇、贴现、中长期贷款、逾期贷款。
        2.2.6截止报告期末前三期补充财务指标
                               2007年6月30          2006年12月31日             2006年6月30
     主要指标(%)    标准值        日           调整后          调整前            日
                                期末    平均   期末    平均    期末    平均     期末    平均
     资本充足率         ≥8%     9.09   8.58   8.28     8.14   8.28     8.14    8.20     8.19
     不良贷款率        ≤15%     2.50   2.59   2.73     2.89   2.73     2.89    2.82     3.04
             人民币    ≤75%    70.85  73.92  64.38    65.19  64.34    65.19   60.42    62.69
     存贷款  外币      ≤85%    51.19  45.89  34.37    40.24  34.37    40.24   37.25    43.28
     比例    折人民
                               70.27   73.02  63.42    64.38  63.38    64.38   59.68    62.09
             币        ≤75%
     资产流  人民币    ≥25%    48.48  48.49  64.29    41.76  64.29    41.76   29.19    31.56
     动性比
                               69.59   78.09  79.96   110.56  79.96   110.56  120.98   132.67
     例      外币      ≥25%
             拆入人
                                 0.05   0.64   0.53     0.13   0.53     0.13       -     0.01
     拆借资  民币       ≤4%
     金比例  拆出人
                                 0.25   0.10   0.05     0.06   0.05     0.06    0.15     0.09
             民币       ≤8%
     国际商业借款比
                                    -      -      -        -      -        -       -        -
     例                ≤100%
     利息回收率                 97.85  97.05  97.00    95.70  97.00    95.70   95.88    94.63
     单一最大客户贷
                                 5.61   6.18   7.04     6.45   7.04     6.45    6.25     6.15
     款比例            ≤10%
     最大十家客户贷
                               37.76   37.63  36.31    36.06  36.31    36.06   34.13    36.11
     款比例            ≤50%
        注:不良贷款率按“五级分类”口径,不良贷款率=(次级类贷款+可疑类贷款+损失类贷款) 各项贷款余额 100%
        2.2.7报告期末资本构成及其变化情况
                                                                  (单位:人民币亿元)
     项目                        2007年6月30日       2006年12月31日     2006年6月30日
     资本净额                               240.70              191.79             176.01
     其中:核心资本净额                     120.35              111.81             107.43
            附属资本                        120.35               79.98              68.58
     风险加权资产净额                     2,649.04            2,317.68           2,146.16
     核心资本充足率                          4.54%               4.82%              5.01%
     资本充足率                              9.09%               8.28%              8.20%
        2.3银行业务数据
        2.3.1分支机构基本情况
                                                                                      资产规模
       机构名称                       营业地址                    机构数   员工数
                                                                                        (万元)
          总行      北京市东城区建国门内大街22号                                648    10,658,645
      总行营业部    北京市西城区金融大街11号北京国际金融中心            34      946     6,967,669
       南京分行     南京市中山路81号                                    31      821     5,013,839
       杭州分行     杭州市庆春路73号                                    17      497     2,797,289
       上海分行     上海市浦东新区浦东南路256号                         18      482     2,505,130
       济南分行     济南市纬二路138号                                   24      620     2,405,513
       昆明分行     昆明市五华区威远路98号华夏大厦                      19      433     1,479,990
       深圳分行     深圳市福田区深南中路3037号                          15      393     1,931,834
       沈阳分行     沈阳市和平区中山路112号                              9      249     1,686,076
       广州分行     广州市寺右新马路五羊新城广场111-115号                7      280       997,750
       武汉分行     武汉市武昌区民主路786号华银大厦                     14      364     1,283,776
       重庆分行     重庆市渝中区上清寺路6号                             13      351     1,465,401
       成都分行     成都市锦江区人民东路48号                             7      241       754,388
       西安分行     西安市碑林区和平路118号                              7      197       725,229
     乌鲁木齐分行   乌鲁木齐市天山区东风路8号                            5      161       391,080
       大连分行     大连市中山区同兴街25号                               9      261     1,320,853
       青岛分行     青岛市山东路29号银河大厦                            10      280     1,073,459
       太原分行     太原市迎泽大街113号                                 10      312     1,705,500
       温州分行      温州市车站大道华夏银行大厦                          9      235       650,003
       福州分行     福州市鼓楼区东大路92号                               4      151       369,521
     呼和浩特分行   呼和浩特市回民区中山西路1号首府广场                  3      144       410,920
       天津分行     天津市河西区宾水道增9号环渤海发展中心E座             5      173       443,187
      石家庄分行    石家庄市中山西路48号                                10      264       794,393
       宁波分行     宁波市百丈东路787号                                  1       88       270,681
        总   计                                                        281     8591    48,102,126
        2.3.2贷款五级分类及贷款损失准备情况
        2.3.2.1贷款五级分类及各级贷款损失准备金计提比例:
                                                                  (单位:人民币千元)
                           贷款              占比          贷款损失准备金计提比例
        正常类          270,327,208         93.13%                    1%
        关注类          12,672,210           4.37%                    2%
        次级类           3,679,928           1.27%           25%(上下浮动20%)
        可疑类           3,019,735           1.04%           50%(上下浮动20%)
        损失类            567,468            0.19%                   100%
       贷款总额         290,266,549         100.00%
        报告期末,公司贷款损失准备金余额68.06亿元,准备金覆盖率为93.65%。
        2.3.2.2报告期内,公司不良贷款变动情况如下:
                                                                  (单位:人民币千元)
                   2006年12月31日            期间变化情况           2007年6月30日
    五级分类                 占贷款总                占贷款总                 占贷款总
                   余额                    余额                    余额
                              额比例                  额比例                   额比例
     次级类      3,453,387     1.33%      226,541     -0.06%      3,679,928     1.27%
     可疑类      3,000,493     1.16%      19,242      -0.12%      3,019,735     1.04%
     损失类       633,121      0.24%      -65,653     -0.05%      567,468       0.19%
        2.3.3贷款分布情况
        2.3.3.1主要行业分布情况
        报告期末,公司贷款行业分布前5位为工业、建筑、能源交通、物资流通、商业。金额合计189,982,874千元,占贷款总额的65.46%。
        2.3.3.2贷款地区分布情况
        报告期末,公司贷款主要分布在北京、上海、江苏、浙江、湖北、山西、河北、广东、山东、云南、辽宁、四川、陕西、新疆、重庆、内蒙古、福建、天津18个行政地区。
        2.3.4前十名客户贷款情况
        报告期末,公司前十大贷款客户贷款余额90.88亿元,占期末贷款余额的3.13%。
        2.3.5报告期末占贷款总额比例超过20%(含20%)的贴息贷款情况
        报告期内,公司没有发生贴息贷款。
        2.3.6报告期末重组贷款余额及其中逾期贷款情况
        报告期末,公司重组贷款余额14.68亿元人民币,其中逾期金额1.16亿元人民币。
        2.3.7主要贷款类别、平均余额及利率
                                                                      (单位:人民币千元)
     贷款平均利率(%)                                                              5.94%
     短期贷款                                                                  189,111,490
     中长期贷款                                                                 78,215,576
        2.3.8报告期末所持金额重大的政府债券情况
                                                                   (单位:人民币万元)
          债券种类              面值               到期日             利率(%)
     1997年记账式国债                5,700        2007.09                9.78
     1999年记账式国债               15,000    2007.08-2009.04          3.28-4.72
     2000年记账式国债               35,000    2007.08-2010.09          2.99-3.5
     2001年记账式国债              402,000    2008.06-2021.10          2.9-4.69
     2002年记账式国债              208,300    2009.06-2032.05           2-2.93
     2003年记账式国债              362,900    2008.04-2018.10          2.45-4.18
     2004年记账式国债              754,000    2009.04-2014.08          3.01-4.86
     2005年记账式国债              873,000    2007.07-2025.05          1.58-4.44
     2006年记账式国债              747,000    2007.09-2026.06          1.96-3.7
     2007年记账式国债              272,000    2007.09-2037.05          2.1-4.27
     2002年凭证式国债               42,015    2007.08-2007.11          2.29-2.48
     2003年凭证式国债               47,510    2008.03-2008.11            2.63
     2004年凭证式国债               40,084    2007.08-2009.11          2.52-3.81
     2005年凭证式国债               27,020    2008.03-2010.11          3.24-3.81
     2006年凭证式国债               38,542    2009.03-2011.11          3.14-3.81
     2007年凭证式国债               33,837    2010.03-2012.05          3.39-4.62
            合计                 3,903,908          ——                 ——
        2.3.9应收利息及其他应收款坏账准备的计提情况
                                                                 (单位:人民币千元)
        项     目              金额                损失准备金              计提方法
    应收利息                          737,947                      0      个别认定法
    其他应收款                      2,482,202                284,331      个别认定法
        2.3.10主要存款类别、平均余额及利率
                                                                  (单位:人民币千元)
                项     目                                   金   额
     各项存款平均余额                                                         336,833,396
     其中:企业存款                                                          185,297,162
           储蓄存款                                                           41,578,457
           其他存款                                                           109,957,777
     平均存款年利率(%)                                                           1.89%
        2.3.11逾期未偿债务情况
        报告期末,公司没有发生逾期未偿债务情况。
        2.3.12可能对财务状况与经营成果造成重大影响的表外项目余额及其重要情况
        从公司经营业务看,可能对财务状况与经营成果造成重大影响的主要为表外业务和表外应收利息。
                                                          (单位:人民币千元)
              项目                   2007年6月30日               2006年12月31日
    银行承兑汇票                        106,964,052                  100,909,617
    开出保函                             2,482,891                    2,521,600
    开出信用证                           8,334,455                    6,637,182
    表外应收利息                         2,506,997                    2,341,341
        2.3.13集团客户授信业务风险管理情况
        报告期内,公司加强集团客户管理,实施全过程风险监控,管理能力不断增强。加强集团客户准入管理,严格控制集团关联企业互保;统一核定集团客户授信额度,强化集团客户整体风险控制;充分利用监管风险预警信息,强化信贷系统自动预警,实施全过程风险预警和动态监控;加强集团客户风险防范与控制,提高集团客户风险处置能力等。
        2.3.14不良贷款情况及采取的相应措施
        报告期末,公司五级分类不良贷款率2.50%,比年初下降0.23个百分点。
        报告期内,公司为解决不良贷款采取的措施主要包括:一是全面推行垂直审批体制,严格授信准入管理;二是强化重点业务风险控制,调整优化资产结构;三是强化有效贷后检查,严格违约贷款过程管理;四是制定业务操作规程,明确业务操作行为标准;五是加强关键岗位、关键环节风险管理,加强系统在线监控与非现场检查;六是强化风险信息预警,提高风险预警能力;七是加强违约贷款清收处置,提高违约贷款风险防控能力;八是加强不良贷款处置方式研究,提高不良贷款处置能力;九是加大贷款核销力度,提高财务实力和抗风险能力。
        2.3.15公司面临的风险因素及对策
        报告期内,公司面对信用、操作、市场等风险因素,稳健经营,实施全方位、全过程风险管理,具体对策为:全面推行垂直审批体制,严格授信准入管理;强化风险迁徙、抵补管理,提高风险评估能力;强化风险信息预警,提高风险预警能力;强化重点业务风险控制,调整优化资产结构;制定业务操作规程,明确业务操作行为标准;加强关键岗位、关键环节风险管理,防范操作行为风险;强化信贷系统在线监测与非现场检查,规范信贷业务操作;加强业务创新,增强利率风险管理能力;加快制度创新,加强汇率风险集中管理;加强资金业务系统运用,提高市场风险管理电子化水平;落实《银行业金融机构信息系统风险管理指引》,建立信息科技风险管理体系;加强信息系统安全统一管理,提高信息技术风险集中处理能力等。
        2.3.16公司内部控制制度的完整性、合理性与有效性
        报告期内,公司以落实银监会《商业银行操作风险管理指引》及其他监管要求为契机,进一步完善内部控制制度体系。完成对全行577项业务制度全面梳理、补充和完善,进一步优化相关业务操作规程,增强了内部控制制度的完整性和合理性。开展全行信息科技风险内部评价审计、操作风险现场审计、会计业务关键环节专项检查、个人按揭贷款业务专项检查等内控监督检查,充分揭示内控运行存在的不足;持续纠正内控运行偏差,弥补内外部检查发现的内控运行缺陷,进一步增强了内部控制制度执行的有效性。
        3股本变动及股东情况
        3.1股份变动情况表
                                                                                                        (单位:股)
                                        本次变动前                                                                  本次变动后
                                                                      本次变动增减(+,-)
                                (2006年12月31日)                                                             (2007年6月30日)
                                                                        公
                                                           发           积
                                                                  送
                                                           行
                                   数量          比例                   金         其他           小计            数量          比例
                                                           新     股
                                                           股           转
                                                                        股
                               2,640,000,000    62.86%       0      0     0    -126,600,000    -126,600,000   2,513,400,000    59.84%
    一、有限售条件股份
    1、国家持股
                               1,916,056,000    45.62%       0      0     0     -83,558,400     -83,558,400   1,832,497,600    43.63%
    2、国有法人持股
    3、其他内资持股
      其中:
                                 136,744,000     3.26%       0      0     0     -17,361,600     -17,361,600     119,382,400     2.84%
       境内非国有法人持股
       境内自然人持股
    4、外资持股
      其中:
                                 587,200,000    13.98%       0      0     0     -25,680,000     -25,680,000     561,520,000    13.37%
        境外法人持股
        境外自然人持股
                               1,560,000,000    37.14%       0      0     0    +126,600,000    +126,600,000   1,686,600,000    40.16%
    二、无限售条件股份
    1、人民币普通股            1,560,000,000    37.14%       0      0     0    +126,600,000    +126,600,000   1,686,600,000    40.16%
    2、境内上市的外资股
    3、境外上市的外资股
    4、其他
                               4,200,000,000      100%       0      0     0               0               0   4,200,000,000      100%
    三、股份总数
        注:2007年6月6日,公司部分有限售条件的流通股上市流通。详见2007年6月1日刊登于《中国证券报》、《上海证券报》、《证券时报》及上海证券交易所网站的《华夏银行股份有限公司有限售条件的流通股上市流通的公告》。
        3.2股东数量和前10名股东持股情况
                                                                                    (单位:股)
      股东总数                                                           198,869
      前10名股东持股情况
                                                         持股                   持有有限售条     质押或冻结
                股东名称                  股东性质                 持股总数
                                                         比例                    件股份数量      的股份数量
    首钢总公司                            国有法人       10.19%   428,012,480     428,000,000
    山东电力集团公司                      国有法人        8.15%   342,400,000     342,400,000
    红塔烟草(集团)有限责任公司          国有法人        7.13%   299,600,000     299,600,000
    DEUTSCHE                  BANK
    AKTIENGESELLSCHAFT
                                          境外法人        7.02%   295,000,000     295,000,000
    德意志银行股份有限公司
    联大集团有限公司                      国有法人        6.88%   289,000,000     289,000,000   289,000,000
    SAL.OPPENHEIM JR.&
    CIE.KOMMANDITGESELLSCHAFT AUF
                                          境外法人        4.08%   171,200,000     145,520,000
    AKTIEN
    萨尔 奥彭海姆股份有限合伙企业
    北京三吉利能源股份有限公司            国有法人        3.22%   135,200,000     114,920,000
    DEUTSCHE BANK LUXEMBOURG S.A.
                                          境外法人        2.88%    121,000,000    121,000,000
    德意志银行卢森堡股份有限公司
    包头华资实业股份有限公司              国有法人        2.51%   105,600,000      89,760,000    60,000,000
    上海健特生命科技有限公司           境内非国有法人     2.41%   101,200,000      86,020,000   101,200,000
        前10名无限售条件股东持股情况
                        股东名称                        持有无限售条件股份数量             股份种类
                 全国社保基金一零六组合                       77,999,747          人民币普通股
            建信优化配置混合型证券投资基金                    42,541,601                 人民币普通股
             南方稳健成长贰号证券投资基金                     28,361,800                 人民币普通股
             嘉实服务增值行业证券投资基金                     26,972,392                 人民币普通股
     SAL.OPPENHEIM JR.&CIE.KOMMANDITGESELLSCHAFT
                       AUF AKTIEN                             25,680,000                 人民币普通股
             萨尔*奥彭海姆股份有限合伙企业
          鹏华优质治理股票型证券投资基金(LOF)                 20,788,877                 人民币普通股
              北京三吉利能源股份有限公司                      20,280,000                 人民币普通股
            建信优选成长股票型证券投资基金                    19,599,618                 人民币普通股
          华夏蓝筹核心混合型证券投资基金(LOF)                 19,069,573                 人民币普通股
          富国天合稳健优选股票型证券投资基金                  16,425,027                 人民币普通股
    上述股东关联关系或一致行动的说明         上述前10名股东中德意志银行卢森堡股份有限公司是德意志银行股
                                             份有限公司的全资子公司;公司未知上述其他股东之间是否存在关联
                                             关系或一致行动关系。
        3.3控股股东及实际控制人变更情况
        □适用√不适用
        公司无控股股东和实际控制人,报告期内公司第一大股东没有发生变更。
        4董事、监事和高级管理人员情况
        4.1董事、监事和高级管理人员持股变动情况
                                       年初       本期增持    本期减持      期末     变动
         姓名            职务
                                      持股数      股份数量    股份数量     持股数    原因
    翟鸿祥          董事长               0            0           0               0
    方建一          副董事长             0            0           0               0
    耿留琪          副董事长             0            0           0               0
    孙伟伟          董事                 0            0           0               0
    赵健            董事                 0            0           0               0
    张萌            董事                 0            0           0               0
    Colin Grassie   董事                 0            0           0               0
    (高杰麟)
    余建平          董事                 0            0           0               0
    吴建            董事、行长           0            0           0               0
    刘熙凤          董事、副行长         0            0           0               0
                    财务负责人
    赵军学          董事                 0            0           0               0
                    董事会秘书
    高培勇          独立董事             0            0           0               0
    戚聿东          独立董事             0            0           0               0
    牧新明          独立董事             0            0           0               0
    张明远          独立董事             0            0           0               0
    盛杰民          独立董事             0            0           0               0
    骆小元          独立董事             0            0           0               0
    卢建平          独立董事             0            0           0               0
    成燕红          监事会主席           0            0           0               0
    郭建荣          监事                 0            0           0               0
    刘国林          监事                 0            0           0               0
    牛荷生          监事                 0            0           0               0
    宋斌            监事                 0            0           0               0
    何德旭          外部监事             0            0           0               0
    陈雨露          外部监事             0            0           0               0
    戴刚            职工代表监事         0            0           0               0
    李琦            职工代表监事         0            0           0               0
    乔瑞            副行长               0            0           0               0
    李国鹏          副行长               0            0           0               0
        上述人员未持有本公司的股票期权及被授予的限制性股票。
        5董事会报告
        5.1总体经营状况分析
        截至2007年6月末,公司资产总规模达到4,810.21亿元,比上年末增加360.81亿元,增长8.11%;各项存款余额3,803.83亿元,比上年末增加93.21亿元,增长2.51%;各项贷款余额2,902.67亿元,比上年末增加305亿元,增长11.74%;实现营业收入65.42亿元,比上年同期增加20.07亿元,增长44.24%;实现营业利润17.75亿元,比上年同期增加5.02亿元,增长39.47%;实现利润总额16.68亿元,比上年同期增加5.56亿元,增长49.95%;实现净利润10.10亿元,比上年同期增加2.65亿元,增长35.51%。
        5.2主营业务分行业、产品情况
                                                                  (单位:人民币千元)
                  业务种类                                  营业收入
     利息净收入                                                             4,963,033
     债券投资                                                               1,273,368
     手续费及佣金净收入                                                       232,988
     其他业务                                                                  72,496
     合计                                                                   6,541,885
        5.3主营业务分地区情况
                                                                  (单位:人民币千元)
                                        营业收入                    营业利润
     华东、华北地区                            4,692,691                      953,399
     华南、华中地区                              631,420                      186,386
     西南、西北地区                              959,303                      532,220
     东北地区                                    258,471                      103,437
     合计                                      6,541,885                    1,775,442
        5.4主营业务及其结构与上年度发生重大变化的原因说明
        □适用√不适用
        5.5主营业务盈利能力(毛利率)与上年度相比发生重大变化的原因说明
        □适用√不适用
        5.6利润构成与上年度相比发生重大变化的原因分析
        □适用√不适用
        5.7经营中的问题与困难
        一是随着利率市场化进程的逐步加快,银行利差进一步收窄,汇率波动幅度加大,由此带来的市场风险也将加大,这对银行的风险识别和管理能力提出了更高的要求。
        二是随着我国多层次资本市场的建立,一些大型优质企业更倾向于通过发行股票、债券,资产证券化等低成本的直接融资方式来募集资金,有潜力的中小企业也开始转向创业板市场融资,企业直接融资比例增大给银行经营带来很大影响。
        三是银行业的市场竞争更趋激烈,传统的价格竞争、规模竞争将逐步让位于资本竞争、技术竞争、品牌竞争和人才竞争。国内银行纷纷开展金融创新,打造自身的核心竞争力,寻求发展出路。
        四是银监会对商业银行资本监管不断加强,而商业银行受再融资政策审批的限制,补充资本金周期较长,补充渠道有限,从而使公司面临资本充足率下降和调整业务结构的压力。
        5.8募集资金使用情况
        5.8.1募集资金运用
                                                                     (单位:人民币亿元)
                                        本报告期已使用募集资金总额                       0.17
       募集资金总额           54.60
                                          已累计使用募集资金总额                        52.66
                         拟投入   是否变更项  实际投入金    产生收益    是否符合    是否符合
         承诺项目
                          金额        目           额         情况      计划进度    预计收益
    机构网点建设            16.50     否            14.56      —           是          是
    电子化建设              10.00     否            10.00      —           是          是
    人才培训                 2.00     否             2.00      —           是          是
    购建固定资产             8.50     否             8.50      —           是          是
    公司资金日常运营        17.60     否            17.60      —           是          是
           合计             54.60     否            52.66      —           是          是
     未达到计划进度和    无
     收益的说明(分具
     体项目)
     变更原因及变更程    无
     序说明(分具体项
     目)
     尚未使用的募集资    尚未使用的募集资金用于公司资金的日常运营
     金用途及去向
        5.8.2变更项目情况
        □适用√不适用
        5.9董事会下半年的经营计划修改计划
        □适用√不适用
        5.10预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生大幅度
        变动的警示及原因说明
        □适用√不适用
        5.11公司董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
        5.12公司董事会对会计师事务所上年度"非标准审计报告"涉及事项的变化及处理情况的说明
        □适用√不适用
        6重要事项
        6.1收购、出售资产及资产重组
        6.1.1收购资产
        □适用√不适用
        6.1.2出售资产
        □适用√不适用
        6.1.3自资产重组报告书或收购出售资产公告刊登后,该事项的进展情况及对报告期经营成果与财务状况的影响。
        □适用√不适用
        6.2重大关联交易事项
        报告期内,公司的关联交易主要为对持股5%以上股东及其关联方的贷款及其他授信业务。公司在处理关联交易时,严格按照有关法律、法规及公司制定的各项业务管理规章制度,以不优于对非关联方同类交易的条件进行,符合诚实信用及公允原则,对公司的经营成果和财务状况没有产生负面影响。
        (一)持股5%以上股东的贷款情况
        公司不存在控制关系的关联方。
        公司对持有公司5%以上股份股东的贷款情况如下:
                                                                  (单位:人民币千元)
     股东名称                 持有股权(万股)2007年6月末贷款余额     2006年末贷款余额
     首钢总公司                   42,801.25              0                 180,000
     联大集团有限公司              28,900             199,000              199,000
        注:上述关联方贷款金额均不超过其在公司的投资额。
        (二)报告期末,公司持股5%以上股东及其关联企业、相同关键管理人员的其他企业仍在履行的3000万元以上贷款811,259千元,占贷款总额的0.28%。
        (三)报告期末,公司持有本行关联方德意志银行股份有限公司发行的债券1000万美元。
        6.3重大担保事项
        报告期内,公司除中国银监会批准的经营范围内的金融担保业务外,没有其他需要披露的重大担保事项。
        6.4重大诉讼仲裁事项
        报告期内,公司未发生对经营活动产生重大影响的诉讼仲裁事项。截至2007年6月30日,公司存在人民币1000万元以上的未决诉讼案件69件,涉及标的人民币243182.33万元,其中作为被告的未决诉讼案件6件,涉及标的人民币13865.02万元。在公司未决诉讼案件中被法院冻结国债面值人民币2000万元。就作为被告的未决诉讼案件可能遭受的损失,本公司已计提准备。
        6.5其他重大事项及其影响和解决方案的分析说明
        6.5.1公司持有其他上市公司发行的股票情况
        □适用√不适用
        6.5.2公司持有非上市金融企业、拟上市公司股权的情况
                              最初投资成本                       占该公司     期末账面价值
         持有对象名称                             持股数量
                                  (元)                         股权比例        (元)
    中国银联股份有限公司                1.00       50,000,000        3.03%        53,125,000
        7财务报告
        7.1  审计意见
        财务报告                             □未经审计   √审计
        审计报告                     √标准审计报告    □非标准审计报告
        审计报告正文华夏银行财务报表已经按照企业会计准则和《企业会计制度》的规定编制,在所有重大方面公允反映了华夏银行2007年6月30日的财务状况以及2007年1-6月的经营成果和现金流量。
        7.2资产负债表、利润表、现金流量表、所有者权益变动表(见附件)
        7.3会计报表附注
        7.3.1如果出现会计政策、会计估计变更或会计差错更正的,说明有关内容、原因及影响数。
        (一)会计政策变更
        公司自2007年1月1日起执行财政部2006年颁布的《企业会计准则》及其应用指南。
        根据财政部2006年颁布的《企业会计准则》,所得税会计处理停止采用纳税影响会计法,改按所得税准则规定的资产负债表债务法,根据《企业会计准则第18号——所得税》计算递延所得税负债和递延所得税资产的金额,同时冲销原来的递延所得税借项或贷项的金额,上述两项金额之间的差额调整期初留存收益。2006年12月31日,公司递延所得税资产账面价值852,834,332.05元,相应调增期初留存收益;递延所得税负债账面价值119,071,351.62元,相应调减期初留存收益;合计调增期初留存收益0元。
        (二)会计估计变更
        根据公司第四届董事会第十五次会议审议并通过的《关于修改固定资产核算政策的议案》,公司自2007年1月1日起将原规定部分固定资产(包括部分电子化设备及出纳机具)折旧年限由3年调整为5年;将原规定全部固定资产残值率由3%统一调整为5%。此会计估计变更影响本会计期间净利润增加数约为1,162.84万元。
        (三)重大会计差错的更正
        公司不存在重大会计差错的更正情况。
        7.3.2如果财务报表合并范围发生重大变化的,说明原因及影响数。
        □适用√不适用
        7.3.3如果被出具非标准审计报告,列示涉及事项的有关附注。
        □适用√不适用
        董事长:翟鸿祥
        华夏银行股份有限公司董事会
        二○○七年八月二十三日
        资产负债表
        编制单位:华夏银行股份有限公司                                                     单位:人民币元
    项       目                             附注              2007年6月30日           2006年12月31日
    资产:
       现金及存放中央银行款项               七、1               71,029,891,186.06        66,372,573,792.60
       存放同业款项                         七、2                3,759,923,579.80         5,182,300,860.67
       贵金属                                                          804,940.00             7,940,000.00
       拆出资金                             七、3                2,487,079,800.00         2,590,697,000.00
       交易性金融资产                       七、4                3,127,583,113.72         2,768,745,859.81
       衍生金融资产                         七、5                      311,427.30                       --
       买入返售金融资产                     七、6               45,005,025,975.76        29,735,660,962.03
       应收利息                             七、7                  737,947,338.10           898,637,418.23
       发放贷款和垫款                       七、8              283,460,602,695.64       253,802,984,535.78
       可供出售金融资产                     七、9                1,758,811,338.08        12,486,536,421.23
       持有至到期投资                      七、10               62,084,309,911.47        65,134,238,309.11
       长期股权投资                        七、11                   53,125,000.00            53,125,000.00
       投资性房地产                        七、12                  324,642,428.57           329,528,142.86
       固定资产                            七、13                3,325,822,120.46         3,234,595,880.95
       递延所得税资产                      七、14                  789,645,259.22           852,834,332.05
       其他资产                            七、15                3,075,732,803.57         1,489,128,062.26
       资产总计                                                481,021,258,917.75       444,939,526,577.58
        资产负债表(续)
        编制单位:华夏银行股份有限公司                                                     单位:人民币元
         项       目                           附注           2007年6月30日           2006年12月31日
     负债:
       同业及其他金融机构存放款项            七、17             46,380,360,556.86         23,199,609,845.86
       拆入资金                              七、18                201,165,381.72          1,936,362,851.90
       衍生金融负债                          七、20                     25,145.62                        --
       卖出回购金融资产款                    七、21             26,225,879,053.81         25,743,247,900.04
       吸收存款                              七、22            380,383,182,499.81        371,062,054,655.74
       应付职工薪酬                          七、23                840,216,103.77            550,093,823.43
       应交税费                              七、24                606,770,779.62            958,662,533.89
       应付利息                              七、25              2,173,499,455.20          1,643,618,466.30
       预计负债                              七、26                 42,441,900.00             43,391,900.00
       应付债券                              七、27             10,250,000,000.00          6,250,000,000.00
       递延所得税负债                        七、28                 64,308,226.57            119,071,351.62
       其他负债                              七、29              1,838,558,339.95          1,790,618,136.67
    负债合计                                                   469,006,407,442.93        433,296,731,465.45
    股东权益:
       股本                                  七、30              4,200,000,000.00          4,200,000,000.00
       资本公积                              七、31              3,739,302,067.34          3,915,263,523.69
         减:库存股                                                            --                        --
       盈余公积                              七、32                890,123,574.63            890,123,574.63
       一般风险准备                          七、33              1,900,000,000.00          1,900,000,000.00
       未分配利润                            七、34              1,285,425,832.85            737,408,013.81
    股东权益合计                                                12,014,851,474.82         11,642,795,112.13
    负债及股东权益总计                                         481,021,258,917.75        444,939,526,577.58
     法定代表人:翟鸿祥                          行长:吴建                         财务负责人:刘熙凤
        利润表
        编制单位:华夏银行股份有限公司                                                      单位:人民币元
         项      目                            附注                2007年1-6月                    2006年度
     一、营业收入                                                 6,541,884,790.83         10,070,477,467.05
       利息净收入                            七、35               4,963,033,017.17          7,386,212,401.99
          利息收入                                                9,655,572,613.48         15,292,123,817.92
          利息支出                                                4,692,539,596.31          7,905,911,415.93
       手续费及佣金净收入                    七、36                 232,988,473.19            304,413,516.14
          手续费及佣金收入                                          323,446,585.30            410,607,795.99
          手续费及佣金支出                                           90,458,112.11            106,194,279.85
       投资收益                              七、37               1,273,367,711.27          2,245,117,595.06
       公允价值变动收益                      七、38                (11,212,925.78)              9,878,765.04
       汇兑收益                                                      56,170,841.83             80,924,500.22
       其他业务收入                          七、39                  27,537,673.15             43,930,688.60
     二、营业支出                                                 4,766,442,518.94          7,500,032,365.05
       营业税金及附加                        七、40                 486,794,346.53            757,447,155.34
       业务及管理费                          七、41               2,442,340,451.12          4,303,914,493.04
       资产减值损失                                               1,832,786,456.53          2,429,125,416.62
       其他业务成本                                                   4,521,264.76              9,545,300.05
     三、营业利润                                                 1,775,442,271.89          2,570,445,102.00
       加:营业外收入                        七、42                   5,804,901.09             34,638,481.39
       减:营业外支出                        七、43                 113,068,080.46            193,853,997.68
     四、利润总额                                                 1,668,179,092.52          2,411,229,585.71
       减:所得税费用                        七、44                 658,161,273.48            954,186,312.81
     五、净利润                                                   1,010,017,819.04          1,457,043,272.90
       归属于母公司所有者的净利润                                 1,010,017,819.04          1,457,043,272.90
       少数股东损益
     六、每股收益
       (一)基本每股收益                    七、45                         0.2405                    0.3469
       (二)稀释每股收益                    七、45                         0.2405                    0.3469
    法定代表人:翟鸿祥                         行长:吴建                         财务负责人:刘熙凤
        现金流量表
        编制单位:华夏银行股份有限公司                                                               单位:人民币元
               项      目                                            附注        2007年1-6月              2006年度
    一、经营活动产生的现金流量:
      客户存款和同业存放款项净增加额                                           32,268,909,475.07    59,351,896,802.72
      向中央银行借款净增加额                                                                  --                   --
      向其他金融机构拆入资金净增加额                                            7,328,187,803.45    11,823,845,431.67
      收取利息、手续费及佣金的现金                                              5,740,020,574.42     7,914,623,091.13
      收到其他与经营活动有关的现金                                                302,583,738.90       174,778,684.59
         经营活动现金流入小计                                                  45,639,701,591.84    79,265,144,010.11
      客户贷款及垫款净增加额                                                   55,204,236,551.80    30,467,314,629.15
      存放中央银行和同业款项净增加额                                            7,566,948,499.22     4,655,694,168.23
      支付手续费及佣金的现金                                                       90,458,112.11       106,194,279.85
      支付给职工以及为职工支付的现金                                              981,188,781.10     1,615,133,239.04
      支付的各项税费                                                            1,422,343,653.77     1,516,659,197.31
      支付其他与经营活动有关的现金                                              2,545,741,167.42     2,797,772,670.32
         经营活动现金流出小计                                                  67,810,916,765.42    41,158,768,183.90
      经营活动产生的现金流量净额                                             (22,171,215,173.58)    38,106,375,826.21
    二、投资活动产生的现金流量:
      收回投资收到的现金                                                      131,367,850,963.75   184,435,215,941.10
      取得投资收益收到的现金                                                    1,159,878,427.63     2,134,745,178.23
      收到其他与投资活动有关的现金                                                 12,508,018.83        39,087,954.11
         投资活动现金流入小计                                                 132,540,237,410.21   186,609,049,073.44
      投资支付的现金                                                          118,033,411,481.63   200,273,555,419.07
      购建固定资产、无形资产和其他长期资产支付的现金                              425,645,461.11       603,686,901.87
      支付其他与投资活动有关的现金                                                            --                   --
         投资活动现金流出小计                                                 118,459,056,942.74   200,877,242,320.94
      投资活动产生的现金流量净额                                               14,081,180,467.47  (14,268,193,247.50)
    三、筹资活动产生的现金流量:
      吸收投资收到的现金                                                                      --                   --
      发行债券收到的现金                                                        4,000,000,000.00     2,000,000,000.00
      收到其他与筹资活动有关的现金                                                            --                   --
         筹资活动现金流入小计                                                   4,000,000,000.00     2,000,000,000.00
      偿还债务支付的现金                                                                      --                   --
      分配股利、利润或偿付利息支付的现金                                          427,900,000.00       458,210,000.00
      支付其他与筹资活动有关的现金                                                 26,707,222.23       212,635,000.00
         筹资活动现金流出小计                                                     454,607,222.23       670,845,000.00
      筹资活动产生的现金流量净额                                                3,545,392,777.77     1,329,155,000.00
    四、汇率变动对现金的影响额                                                      5,016,341.71         4,285,894.11
    五、现金及现金等价物净增加额                                              (4,539,625,586.63)    25,171,623,472.82
    加:期初现金及现金等价物余额                                               50,319,597,191.82    25,147,973,719.00
    六、期末现金及现金等价物余额                                               45,779,971,605.19    50,319,597,191.82
    法定代表人:翟鸿祥                         行长:吴建                         财务负责人:刘熙凤
        股东权益变动表
        编制单位:华夏银行股份有限公司                                                                                                                                                                                                                                                                                                                                单位:人民币元
                                                                                                                                       2007年度1-6月金额                                                                                                                                                     2006年度金额
                                   项目
                                                                                    股本                 资本公积                盈余公积             一般风险准备              未分配利润              所有者权益合计                   股本                 资本公积                盈余公积             一般风险准备              未分配利润              外币报表折算差额            所有者权益合计
    一、上年年末余额                                                         4,200,000,000.00         3,915,263,523.69        890,123,574.63         1,900,000,000.00          737,408,013.81           11,642,795,112.13        4,200,000,000.00          3,822,994,552.98        744,419,247.34          900,000,000.00             888,069,068.20           (24,661,000.00)          10,530,821,868.52
    加:会计政策变更
           前期差错更正
    二、本年年初余额                                                         4,200,000,000.00         3,915,263,523.69        890,123,574.63         1,900,000,000.00          737,408,013.81           11,642,795,112.13        4,200,000,000.00          3,822,994,552.98        744,419,247.34          900,000,000.00             888,069,068.20           (24,661,000.00)          10,530,821,868.52
    三、本年增减变动金额(减少以"-敽盘盍校◇                                                          (175,961,456.35)                                                         548,017,819.04              372,056,362.69                                     92,268,970.71        145,704,327.29        1,000,000,000.00           (150,661,054.39)             24,661,000.00           1,111,973,243.61
    (一)净利润                                                                                                                                                             1,010,017,819.04            1,010,017,819.04                                                                                                           1,457,043,272.90                                     1,457,043,272.90
    (二)直接计入所有者权益的利得和损失                                                              (175,961,456.35)                                                                                   (175,961,456.35)                                     92,268,970.71                                                                                      24,661,000.00             116,929,970.71
    1.可供出售金融资产公允价值变动净额                                                                (262,629,039.33)                                                                                   (262,629,039.33)                                    137,714,881.63                                                                                                                137,714,881.63
    (1)计入所有者权益的金额                                                                          (93,870,843.42)                                                                                     (93,870,843.42)                                    99,438,025.15                                                                                                                 99,438,025.15
    (2)转入当期损益的金额                                                                             168,758,195.91                                                                                     168,758,195.91                                   (38,276,856.48)                                                                                                               (38,276,856.48)
    2.现金流量套期工具公允价值变动净额
    (1)计入所有者权益的金额
    (2)转入当期损益的金额
    3.权益法下被投资单位其他所有者权益变动的影响
    4.与计入所有者权益项目相关的所得税影响                                                               86,667,582.98                                                                                      86,667,582.98                                   (45,445,910.92)                                                                                                               (45,445,910.92)
    5.其他                                                                                                                                                                                                                                                                                                                                                       24,661,000.00              24,661,000.00
    (三)所有者投入和减少资本
    1.所有者投入资本
    2.股份支付计入所有者权益的金额
    3.其他
    (四)利润分配                                                                                                                                                            (462,000,000.00)           (462,000,000.00)                                                          145,704,327.29        1,000,000,000.00         (1,607,704,327.29)                                     (462,000,000.00)
    1.提取盈余公积                                                                                                                                                                                                                                                                 145,704,327.29                                   (145,704,327.29)
    2.提取一般风险准备                                                                                                                                                                                                                                                                                   1,000,000,000.00         (1,000,000,000.00)
    3.对所有者(或股东)的分配                                                                                                                                                (462,000,000.00)           (462,000,000.00)                                                                                                           (462,000,000.00)                                     (462,000,000.00)
    4.其他
    (五)所有制者权益内部结转
    1.资本公积转增资本(或股本)
    2.盈余公积转增资本(或股本)
    3.盈余公积弥补亏损
    4.一般风险准备弥补亏损
    5.其他
    四、本年末余额                                                           4,200,000,000.00         3,739,302,067.34        890,123,574.63         1,900,000,000.00        1,285,425,832.85           12,014,851,474.82        4,200,000,000.00          3,915,263,523.69        890,123,574.63        1,900,000,000.00             737,408,013.81                                    11,642,795,112.13
      法定代表人:                   翟鸿祥                                                                                                             行长:吴建                                                                                                                                 财务负责人:刘熙凤