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华夏银行(600015)公告正文

华夏银行:2011年半年度报告摘要

公告日期:2011-08-12

    华夏银行股份有限公司 2011 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、监事、高级管理人员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 公司第六届董事会第六次会议于 2011 年 8 月 10 日审议通过了《华夏银行股份有限公司
    2011 年半年度报告》及摘要。会议应到董事 18 名,实际到会董事 14 名,方建一副董事长
    委托孙伟伟董事行使表决权,卢建平、裴长洪独立董事委托骆小元独立董事行使表决权,曾
    湘泉独立董事委托萧伟强独立董事行使表决权。
    1.4    公司 2011 年半年度财务报告未经审计。
    1.5 公司董事长吴建、行长樊大志、财务负责人宋继清及会计机构负责人符盛丰,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                             蒋震峰
    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             01085238570,01085239938           01085238570,01085239938
    传真             01085239605                        01085239605
    电子信箱         zhdb@hxb.com.cn                    zhdb@hxb.com.cn
    2.2 财务数据与指标
    2.2.1 报告期主要会计数据与财务指标
    (单位:人民币千元)
    本报告期末比上年
    本报告期末       上年度期末
    度期末增减(%)
    总资产                              1,140,768,492     1,040,230,442                9.66
    股东权益                               58,805,509        35,495,880               65.67
    归属于上市公司股东的每股净
    8.59              7.11               20.82
    资产(元)
    1
    本报告期比上年同
    报告期                上年同期
    期增减(%)
    营业利润                               5,670,793                 4,013,794                 41.28
    利润总额                               5,672,029                 4,012,007                     41.38
    净利润                                 4,267,421                 3,007,539                     41.89
    扣除非经常性损益后的净利润             4,324,979                 3,002,464                     44.05
    基本每股收益(元)                               0.76                   0.60                     26.67
    扣除非经常性损益后的基本每
    0.77                   0.60                     28.33
    股收益(元)
    稀释每股收益(元)                               0.76                   0.60                     26.67
    加权平均净资产收益率(%)                        9.71                   9.50     上升 0.21 个百分点
    经营活动产生的现金流量净额            -7,512,073             -12,522,892                       40.01
    每股经营活动产生的现金流量
    -1.10                   -2.51                     56.18
    净额(元)
    2.2.2 非经常性损益项目
    (单位:人民币千元)
    项目                                      2011 年 1-6 月
    非流动资产处置损益                                                               -1,477
    与公司正常经营业务无关的或有事项产生的损益                                            -
    除同公司正常经营业务相关的套期保值业务外,持有交易
    7,736
    性金融资产、交易性金融负债产生的公允价值变动损益
    处置交易性金融资产、交易性金融负债和可供出售金融资
    -85,556
    产取得的投资收益
    单独进行减值测试的应收款项减值准备转回                                                    -
    除上述各项之外的其他营业外收入和支出                                                  2,714
    非经常性损益总额                                                                    -76,583
    减:非经常性损益的所得税影响额                                                      -19,025
    非经常性损益净额                                                                    -57,558
    2.2.3 补充财务比例:
    项目              2011 年上半年         2010 年上半年          2009 年上半年
    净利差(%)                             2.50                  2.32                   1.78
    净息差(%)                             2.65                  2.43                   1.91
    2.3 银行业务数据
    2.3.1 前三年主要会计数据
    (单位:人民币千元)
    项目           2011 年上半年             2010 年                2009 年
    资产总额                    1,140,768,492           1,040,230,442              845,456,432
    负债总额                    1,081,962,983           1,004,734,562              815,222,247
    存款总额                     817,591,679              767,622,249              581,678,388
    其中: 企业活期存款          295,792,635              305,809,054              227,019,393
    企业定期存款         255,991,483              234,430,295              172,055,771
    2
    储蓄活期存款           46,071,901                 40,857,653             26,913,207
    储蓄定期存款           81,361,855                 73,038,732             56,621,312
    其他存款              138,373,805                113,486,515             99,068,705
    贷款总额                     570,675,090                527,936,681            430,225,584
    其中: 正常贷款              565,067,164                521,682,644            423,768,319
    不良贷款                5,607,926                  6,254,037              6,457,265
    同业拆入                      17,099,236                 10,983,960              6,121,271
    贷款损失准备                  15,210,236                 13,073,253             10,773,337
    报告期末资本构成及变化情况:
    (单位:人民币亿元)
    项目               2011 年上半年             2010 年             2009 年
    资本净额                                       798.86            549.04            440.69
    其中:核心资本净额                             587.74            344.80            295.53
    附属资本净额                             211.12            204.24            145.16
    加权风险资产净额                           5,976.81            5,187.22           4,318.69
    资本充足率(%)                                 13.32             10.58              10.20
    核心资本充足率(%)                              9.80                 6.65            6.84
    2.3.2 前三年主要财务指标
    2011 上半年              2010 年             2009 年
    项目(%)        标准值    期末         平均       期末        平均    期末        平均
    资产利润率                             0.37       0.39       0.64        0.61    0.48        0.44
    资本利润率                             7.26       9.05      16.87       16.39   12.44       11.52
    资本充足率                ≥8         13.32      11.31      10.58       10.54   10.20       10.59
    核心资本充足率                         9.80       7.57       6.65        6.64    6.84        7.02
    不良贷款率                             0.98       1.09       1.18        1.32    1.50        1.61
    资产流动    人民币                    36.73      36.85      38.10       37.30   28.68       38.60
    性比例      外币                      55.87      65.29      78.20       72.34   97.61      112.66
    人民币                    67.89      67.63      66.90       69.66   71.28       72.74
    存贷款
    外币                      86.80      81.97      73.01       77.42   51.47       43.28
    比例
    折人民币      ≤75        68.13      67.82      67.00       69.76   70.97       72.30
    单一最大客户贷款比率      ≤10         4.88       5.06       5.29        5.22    4.79        4.74
    最大十家客户贷款比率      ≤50        26.88      32.26      35.83       34.96   33.99       31.20
    拨备覆盖率                          271.23      240.26    209.04       190.21  166.84      156.64
    成本收入比                            42.59      42.84      43.41       44.06   44.88       43.97
    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%
    迁徙率数据列表:
    项目(%)         2011 年 6 月 30 日           2010 年 12 月 31 日          2009 年 12 月 31 日
    正常类贷款迁徙率                          0.66                           1.97                         3.85
    关注类贷款迁徙率                          1.89                         34.09                        21.04
    次级类贷款迁徙率                         25.71                         67.42                        28.14
    可疑类贷款迁徙率                          8.42                         46.75                        32.49
    3
    2.3.3 分级管理情况及各层级分支机构数量和地区分布情况
    2.3.3.1 分支机构基本情况及分层管理情况概述
    本公司立足经济中心城市,辐射全国,按照总、分、支三级组织管理体系进行分支机构
    规划设置、日常经营和内部管理。
    截止 2011 年 6 月 30 日,本公司已在北京、南京、杭州、上海、济南、昆明、深圳、沈
    阳、广州、武汉、重庆、成都、西安、乌鲁木齐、大连、太原、青岛、温州、石家庄、福州、
    呼和浩特、天津、宁波、绍兴、南宁、常州、苏州、无锡、长沙、合肥、厦门、长春、镇江
    等 60 个经济中心城市设立分支机构,全行营业网点数达 413 家。2011 年上半年新增营业网
    点 19 家。
    2.3.3.2 分支机构基本情况
    机构    职员       资产规模
    机构名称                                   营业地址
    数      数    (人民币万元)
    总行             北京市东城区建国门内大街 22 号                                         1126      24,093,232
    北京分行         北京市西城区金融大街 11 号                                       50    1637      11,953,918
    南京分行         南京市中山路 81 号                                               22     726       4,859,259
    杭州分行         杭州市庆春路 73 号                                               24     869       6,487,117
    上海分行         上海市浦东南路 256 号                                            25     725       4,855,767
    济南分行         济南市纬二路 138 号                                              27     973       4,020,282
    昆明分行         昆明市威远街 98 号                                               20     520       3,055,213
    深圳分行         深圳市福田区深南中路 3037 号南光捷佳大厦裙楼 1-4 层              20     500       4,591,636
    沈阳分行         沈阳市沈河区青年大街 51 号                                       12     426       4,052,084
    广州分行         广州市天河区华夏路 13 号中国名牌商品大厦首层、十五至十九层       14     513       2,736,537
    武汉分行         武汉市武昌区民主路 786 号华银大厦                                16     525       3,909,221
    重庆分行         重庆市江北区北滨一路 368 号                                      14     493       5,021,303
    成都分行         成都市武侯区航空路 1 号 1 栋                                     13     411       2,461,534
    西安分行         西安市长安北路 111 号                                             9     296       2,573,916
    乌鲁木齐分行     乌鲁木齐市东风路 15 号                                            6     209        890,838
    大连分行         大连市中山区同兴街 25 号                                         10     358       2,394,546
    青岛分行         青岛市市南区东海西路 5 号甲 1 层                                 14     492       2,050,264
    太原分行         太原市迎泽大街 113 号                                            12     471       3,386,133
    温州分行         温州市车站大道神力大厦                                           12     387       1,791,498
    福州分行         福州市鼓楼区古田支路 1 号华夏大厦(1#、2#裙楼一至五层)           9     314       1,100,788
    呼和浩特分行     呼和浩特市回民区中山西路 1 号首府广场                             7     297       1,165,018
    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                     11     364       1,640,977
    石家庄分行       石家庄市辖区中山西路 48 号                                       15     519       2,907,335
    宁波分行         宁波市江东区百丈东路 787 号                                       5     232       1,606,466
    绍兴分行         绍兴市延安路 260 号                                               5     179       1,069,324
    南宁分行         南宁市市民族大道 85 号南丰大厦                                    5     196       1,463,363
    常州分行         常州市和平北路 162 号                                             5     175        832,344
    苏州分行         苏州工业园区星海街 188 号                                        13     414       3,312,597
    4
    无锡分行           无锡市崇安区新生路 105 号                                             12      378       1,855,339
    长沙分行           长沙市五一路 389 号华美欧国际大厦                                      1      108        923,602
    合肥分行           合肥市濉溪路 278 号财富广场 C 座                                       1      117        422,492
    厦门分行           厦门市思明区湖滨南路 62 号建设科技大厦 1-8 层                          1        91       147,485
    长春分行           长春市南关区人民大街 4888 号                                           1         4              -
    镇江分行           镇江市解放路 288 号                                                    2        80       452,722
    总    计                                                                             413    15,125   114,084,150
    2.3.4 报告期贷款资产质量情况
    2.3.4.1 贷款资产质量情况
    (单位:人民币千元)
    五级分类                   金额                 占比(%)        与上年同期相比增减(%)
    正常贷款                     556,107,806                 97.45                      17.44
    关注贷款                       8,959,358                  1.57                      -2.61
    次级贷款                       2,427,958                  0.42                       4.74
    可疑贷款                       2,280,348                  0.40                     -12.22
    损失贷款                         899,620                  0.16                     -34.19
    合计                       570,675,090               100.00                       16.69
    2.3.4.2 重组贷款和逾期贷款情况
    (单位:人民币千元)
    分类                     期初余额                期末余额            所占比例(%)
    重组贷款                                  22,167                  21,753                   0.00
    逾期贷款                               4,045,241               3,592,227                   0.63
    2.3.5 贷款减值准备金的计提和核销情况
    (单位:人民币千元)
    期初余额                                                                   13,073,253
    本期计提                                                                    2,391,786
    本期收回                                                                        128,292
    已减值贷款利息冲转                                                               88,863
    本期核销                                                                        294,232
    本期转出                                                                              -
    期末余额                                                               15,210,236
    贷款减值准备金的计提方法:
    公司在资产负债表日按照个别评估和组合评估两种方式对各项贷款的减值损失进行评
    估。
    对于单笔金额重大的贷款,公司采用个别评估方式进行减值测试。有客观证据表明贷款
    发生减值损失的,损失金额以贷款账面价值与预计未来现金流量折现值之间的差额计量,计
    提贷款损失准备并计入当期损益;减值测试时充分考虑借款人的还贷能力、抵(质)押物的
    合理价值、担保人的代偿能力等因素。
    对于单笔金额不重大的贷款及按个别评估方式测试未发生减值的贷款,将包含在具有类
    似特征的贷款组合中,以组合为单位评估其减值损失,计提相应减值准备并计入当期损益。
    2.3.6 应收利息情况
    5
    (单位:人民币千元)
    项目            期初余额      本期增加数额         本期收回数额       期末余额
    应收利息              2,917,284     244,572,330          242,455,362          5,034,252
    2.3.7 收入结构情况
    (单位:人民币千元)
    项目                  数额            所占比例(%)       与上年同期相比增减(%)
    贷款利息收入                        17,404,354                55.11                        37.88
    拆放同业利息收入                       246,866                 0.78                      292.46
    存放中央银行款项利息收入             1,028,855                 3.26                        47.99
    存放同业利息收入                       219,019                 0.69                      839.63
    债券投资利息收入                     1,475,078                 4.67                         8.51
    手续费收入                           1,748,038                 5.54                        81.96
    其他项目                             9,458,184                29.95                        71.99
    合计                  31,580,394               100.00                        48.80
    2.3.8 贷款投放情况
    2.3.8.1 贷款投放行业分布情况
    报告期末,公司对公贷款行业分布前 10 位为制造业,批发和零售业,租赁和商务服务
    业,房地产业,交通运输、仓储和邮政业,建筑业,电力、燃气及水的生产和供应业,采矿
    业,水利、环境和公共设施管理业,住宿和餐饮业,余额合计 485,993,069 千元,占贷款总
    额的 85.17%。
    2.3.8.2 贷款投放地区分布情况
    (单位:人民币千元)
    期末                                   年初
    地区分布
    账面余额            比例(%)           账面余额       比例(%)
    华北及东北                          203,560,192              35.67          188,774,432        35.76
    华东                                191,253,669              33.51          179,226,699        33.95
    华南及华中                           98,111,641              17.19           88,378,681        16.74
    西部                                 77,749,588              13.63           71,556,869        13.55
    合计                                570,675,090             100.00          527,936,681      100.00
    2.3.8.3 贷款担保方式分类及占比
    (单位:人民币千元)
    2011 年 06 月 30 日                          2010 年 12 月 31 日
    担保方式
    账面余额           占比(%)                 账面余额           占比(%)
    信用贷款                  101,408,741              17.77                96,002,820              18.18
    保证贷款                  189,625,765              33.23               180,686,867              34.22
    附担保物贷款              279,640,584              49.00               251,246,994              47.60
    -抵押贷款                214,340,683              37.56               191,879,598              36.35
    -质押贷款                 65,299,901              11.44                59,367,396              11.25
    合计                570,675,090             100.00               527,936,681             100.00
    2.3.8.4 前十名贷款客户情况
    报告期内,公司严格控制贷款集中风险,前十大客户贷款余额合计 214.72 亿元,占期
    末贷款余额的 3.76%,占资本净额的 26.88%,控制在监管要求之内。
    6
    2.3.9 抵债资产基本情况
    (单位:人民币万元)
    期末数                                          期初数
    类别
    金额         计提减值准备金额                   金额         计提减值准备金额
    房产                       40,468.04          18,076.80                    53,756.96          22,371.98
    土地使用权                          -                 -                             -                 -
    股权                          1,586.55              604.05                  1,619.11           1,569.13
    汽车                                 -                   -                         -                  -
    其他                          3,585.17         2,890.97                    3 ,654.05           3,055.86
    合计                         45,639.76        21,571.82                    59,030.12          26,996.97
    2.3.10 主要存款与贷款结构情况
    2.3.10.1 主要存款与利率情况
    (单位:人民币万元)
    类别                      平均余额                      平均利率(%)
    企业活期存款                                     27,619,362                            0.75
    企业定期存款                                     36,559,114                            2.35
    储蓄活期存款                                          3,616,918                        0.45
    储蓄定期存款                                          7,632,913                        2.28
    合计                              75,428,307                            1.67
    2.3.10.2 主要贷款与利率情况
    (单位:人民币万元)
    类别                         平均余额                        平均利率(%)
    一年以内短期贷款                               27,565,901                              6.60
    中长期贷款                                        28,491,320                           5.77
    合计                                    56,057,221                           6.18
    注:一年以内短期贷款包括贴现。
    2.3.11 持有金融债券情况
    (单位:人民币万元)
    类别                                            金额
    政策性金融债                                                                      2,955,623
    商业银行金融债                                                                      113,000
    证券公司金融债                                                                             0
    财务公司金融债                                                                        30,000
    国际金融公司金融债                                                                     5,000
    商业银行次级债                                                                      168,531
    保险公司次级债                                                                      160,000
    商业银行混合资本债券                                                                  90,000
    合计                                                                              3,522,154
    其中,重大金融债券的情况:
    (单位:人民币万元)
    7
    计提减值
    类别                      面值        年利率(%)          到期日
    准备
    国家开发银行 2008 年第 20 期金融债券         100,000           3.42    2018 年 11 月 25 日           -
    国家开发银行 2011 年第 23 期金融债券          71,000         R+0.75     2018 年 4 月 14 日           -
    国家开发银行 2011 年第 19 期金融债券          62,000         R+0.72     2016 年 3 月 30 日           -
    国家开发银行 2011 年第 21 期金融债券          61,000         S-0.15      2016 年 4 月 8 日           -
    中国进出口银行 2011 年第 4 期金融债券         60,000         R+0.72     2018 年 3 月 25 日           -
    注:R:一年期定期存款利率。
    S:3 个月 SHIBOR 5 日均值。
    2.3.12 报告期委托理财、资产证劵化、各项代理、托管等业务的开展和损益情况
    2.3.12.1 委托理财业务的开展和损益情况
    2011 年上半年,公司各项理财业务发展迅速,实现手续费收入 4.68 亿元,同比增加 3.54
    亿元,增长 310.53%。
    2.3.12.2 资产证劵化业务的开展和损益情况
    不适用。
    2.3.12.3 各项代理业务的开展和损益情况
    2011 年上半年,公司基金及券商集合计划产品代销规模同比大幅增长。截至 6 月 30 日,
    公司累计实现销售额 34.52 亿元,同比增长 128.01%,实现代销手续费收入 0.24 亿元,同比
    增长 7.01%。上半年,公司代理保险规模保费收入 2.39 亿元;实现代理保险手续费收入 0.05
    亿元。公司取得保险兼业代理资格的网点达到 368 个,具有保险兼业代理资格的员工达到
    1674 名。
    2.3.12.4 托管业务的开展和损益情况
    2011 年上半年,公司资产托管规模大幅增长。截至 6 月 30 日,公司托管证券投资基金、
    券商集合计划、银行理财、信托、私募基金等各类产品合计 189 支。上半年托管规模净增
    888.62 亿元,截至 6 月 30 日托管规模达到 1898.32 亿元,同比增长 142.48%,实现托管手
    续费收入 0.60 亿元,同比增长 78.55%。
    2.3.13 可能对财务状况与经营成果造成重大影响的表外项目情况
    报告期末,可能对财务状况与经营成果造成重大影响的主要表外业务情况如下:
    (单位:人民币千元)
    项目                             期末                             期初
    信贷承诺                                            292,161,399                     237,630,308
    其中:
    不可撤消的贷款承诺                                        -                                -
    银行承兑汇票                                    230,044,990                      191,863,217
    开出保函                                          9,115,041                        7,223,573
    开出信用证                                       45,711,296                       25,569,446
    未使用的信用卡额度                                7,290,072                       12,974,072
    租赁承诺                                              3,959,805                        2,867,842
    资本性支出承诺                                          145,931                          172,883
    持有的衍生金融工具情况:
    8
    (单位:人民币千元)
    公允价值
    类别                 合约/名义金额
    资产             负债
    货币掉期合约                            16,967,480                -            1,752
    未交割即期外汇合约                      10,555,181              225                -
    远期合约                                23,049,237           32,722                -
    合计                                                         32,947            1,752
    2.3.14 各类风险和风险管理情况
    2.3.14.1 信用风险管理
    (1)产生信用风险的主要业务。信用风险是指商业银行在经营信贷、拆借、投资等业
    务时,由于客户违约或资信下降而给银行造成损失的可能性和收益的不确定性。本公司信用
    风险主要存在于贷款、同业拆借、债券投资、票据承兑、信用证、银行保函等表内、表外业
    务。
    (2)信用风险管理组织架构和职责划分。本公司建立了分工合理、职责明确、相互制
    约的信用风险管理组织架构:公司董事会下设关联交易控制委员会和风险管理委员会,分别
    负责关联交易管理、全行风险管理战略的制定;总行信贷政策委员会负责重大信用风险管理
    政策的制定并组织实施;总行、地区信用风险管理部分别负责全行、所在地分行信用风险管
    理;公司根据授权体系和业务风险状况,实施授信审批委员会集体审批与专职审批人授权审
    批相结合的授信审批模式;公司调整、拓展、强化了授信业务各环节职能,设置了职责明确、
    运行顺畅、相互制约的工作岗位。
    (3)报告期内信用风险管理措施。报告期内,本公司紧紧围绕“调结构、控风险、创效
    益、促发展”的核心工作目标,持续强化信用风险管理,确保授信业务健康发展,一是积极
    应对国家宏观政策、监管政策和市场变化,抓好信贷政策的有效执行与落实,确保信贷投放
    平稳,结构优化;二是强化资产质量过程管理,严格授信准入管理,加快低质客户退出,有
    效防控新增违约风险;三是加快问题贷款处置,强化不良贷款现金清收,积极探索问题贷款
    清收处置手段的多样化,提高综合运用多种方式清收处置的能力;四是完善合规运行管理机
    制,严格责任追究,严控授信业务案件发生;五是深入推进贷款新规,强化授信过程管理,
    规范授信业务全流程操作;六是强化产能过剩行业、房地产贷款、政府融资平台贷款、中长
    期贷款等重点业务风险管理,严防系统性潜在风险。
    (4)信贷资产风险分类方法和程序。本公司根据中国银监会《贷款风险分类指引》规
    定的标准,综合考虑借款人的还贷能力、还款意愿、还款记录、担保状况及借款人内部管理
    等非财务因素对信贷资产进行分类;本公司信贷资产风险分类实施客户经理初分、客户经理
    主管审核、地区信用风险管理部初审、复审、认定的逐级分类认定程序。
    (5)信用风险基本情况
    信用敞口。报告期末,在不考虑可利用的担保物或其他信用增级的情况下,本公司表内
    外信用风险敞口合计为 14216.49 亿元。其中,表内业务风险敞口 11294.88 亿元,占比 79.45%;
    表外业务风险敞口 2921.61 亿元,占比 20.55%。
    风险集中度。报告期末,公司最大单一法人客户贷款余额 39 亿元,占资本净额的 4.88%;
    最大十家单一法人客户贷款余额 214.72 亿元,占资本净额的 26.88%。贷款行业、地区分布
    情况见本报告“贷款投放情况”部分。
    不良贷款行业、地区分布。报告期末,公司各行业不良贷款率超过对公客户不良贷款平
    均比例(1.04%)的是房地产业 1.66%、制造业 1.64%、批发和零售业 1.33%,除批发和零
    售业不良贷款率较年初略升 0.01 个百分点外,房地产行业不良贷款率较年初下降了 0.88 个
    百分点、制造业不良贷款率较年初下降了 0.28 个百分点。公司各地区不良贷款率超过全行
    不良贷款平均比例(0.98%)的是华北及东北地区 1.11%、华南及华中地区 1.05%,华东地
    区、西部地区不良贷款率低于全行不良贷款总体比例。
    2.3.14.2 流动性风险管理
    9
    流动性风险指银行虽有清偿能力但无法获得充足资金或因未能及时以合理成本获取资
    金以应对资产增长或支付到期债务的风险。公司流动性风险管理的目标是通过对各项业务流
    动性风险的识别、计量、监测和控制,合理安排未来现金流,确保各项业务资金支付的需要,
    同时尽可能降低流动性额外成本。
    2011 年上半年面对复杂的经济金融形势,公司高度重视流动性风险管理工作,采取各
    项措施优化资产负债结构,提高资产的流动性和负债的稳定性,降低期限错配风险,包括加
    强同业业务调控和期限匹配管理,扩大流动性较好的债券投资规模,作为二级储备,通过主
    动负债补充协议存款等中长期资金,改善流动性指标。强化头寸备付管理,建立货币政策评
    估机制,完善内部资金管理机制,提前采取措施应对市场流动性变化。定期进行压力测试和
    应急演练,提高抵御潜在风险和突发事件应变能力,有效管理公司流动性风险。
    2011 年上半年末,公司本、外币流动性比例分别为 36.73%、55.87%,本外币存贷比
    68.13%。
    2.3.14.3 市场风险管理
    公司的市场风险主要来源于利率风险和汇率风险。2011 年上半年,公司积极跟踪分析
    宏观经济金融形势,在分析研判全球经济形势、政策环境、市场经营环境变化的基础上,制
    定了与公司业务发展战略、经营管理需要以及风险承受能力相一致的市场风险管理策略,并
    切实加以落实。同时,公司积极应对突发市场事件,持续加强协同,确保市场风险各项相关
    业务稳健开展,有效应对经营环境变化,严格限额管理和监测,将市场风险控制在公司可以
    承受的范围内。
    (1)市场风险基本情况
    利率风险状况。2011 年上半年,公司持续主动调整银行账户利率敏感性缺口,持续调
    整存贷款结构,控制银行账户利率风险,有效应对加息及货币紧缩环境。截至 2011 年 6 月
    末,公司银行账户人民币和美元利率重定价期限总缺口为 506.35 亿元,如果利率曲线整体
    上移 50BP,未来一年公司净利息收入将增加 2.54 亿元;债券资产余额(面值)为 960 亿元,
    利率敏感性指标(PV01)为 4889.57 万元人民币,平均待偿期限为 8.37 年,平均久期 5.15
    年。
    汇率风险状况。2011 年上半年,公司密切关注美国 QE2 政策、欧洲主权债务危机进展,
    关注北非、中东及东北亚局势,持续加强敞口及限额管理,有效控制总体汇率风险。截至
    2011 年 6 月末,公司外汇总敞口为 19.97 亿元人民币,累计外汇敞口头寸比例为 3.45%,如
    果各币种对人民币汇率均下跌 200 个基点,全行外汇敞口的损失为 3993.50 万人民币。
    (2)市场风险资本状况
    根据《中国银监会关于进一步推动改革发展加强风险防范的通知》(银监发【2011】
    14 号)的规定,“自 2011 年起,取消原来规定的市场风险计提阀值,所有银行业金融机构
    至少按照标准法的要求严格计提市场风险资本”,本公司自 2011 年起每月计量市场风险资
    本。
    6 月末,根据《商业银行资本充足率管理办法》的市场风险资本标准法计量口径,对交
    易账户债券投资业务的利率风险和全行外汇风险进行计量,计算出的市场风险资本为 1.68
    亿元,市场风险变动总体平稳。
    2.3.14.4 操作风险管理
    2011 年上半年,公司面临的主要操作风险为案件风险、信息系统风险。公司操作风险
    管理工作围绕公司主要经营活动和重点、热点问题,落实各项监管要求,强化全员、全方位、
    全过程风险管控,将操作风险控制在可承受范围内。采取的主要措施为:
    (1)加强案件风险管理,为业务发展保驾护航。强化案件防控责任,加大了员工奖惩
    力度,重点对大额资金支付、现金业务和会计人员上岗资格认定等方面开展风险排查,改进
    了风险控制措施。
    (2)加强信息系统风险管理,完善业务连续性制度体系。制定了《华夏银行信息系统
    突发事件应急管理办法》、《华夏银行应急预案银证第三方存管系统分册》等制度,为公司
    新核心系统上线、稳定运行打下基础。
    10
    (3)完善操作风险管理体系,推行操作风险“三道防线”理念。制定《华夏银行 2011
    年操作风险管理策略》,重点发挥专业条线防范操作风险“第一道防线”作用,着力提升基
    层行操作风险管理水平,强化风险关键节点的风险提示和应对,降低操作风险发生的概率。
    2.3.14.5 国别风险管理
    根据银监会《银行业金融机构国别风险管理指引》要求,公司已在全行有序开展国别风
    险管理工作,建立国别风险报表上报制度,将国别风险准备金计提纳入全行资产减值准备管
    理。
    针对上半年中东、北非有关国家社会动荡、欧洲主权债务危机、韩国储蓄银行危机和日
    本地震等事件,公司综合采取包括风险提示、风险缓释、谨慎新建代理行、限制与有关代理
    行业务往来和限制直至暂停有关国家额度等应对措施,有效防范国别风险。
    截止 2011 年 6 月末,公司面临的国别风险敞口占比较小,不会对公司业务开展产生影
    响。
    2.3.15 公司内部控制制度的完整性、合理性与有效性和内部控制制度的执行情况
    公司根据相关法律、法规和监管规章的要求,内部控制制度建设以“行得通、管得住、
    用得好”为目标,通过征求制度建议,分批对制度进行后评价和修订完善,并对相关业务操
    作流程进行优化。报告期内共制定修订业务制度 81 项,进一步完善了内部控制制度体系,
    提高了流程的运行效率,增强了内部控制制度的完整性、合理性与有效性。
    报告期内,公司组织了多项针对内部控制制度执行情况的检查。根据检查结果,公司未
    发现内部控制制度执行方面的重大问题,内部控制制度基本得到了全面、有效执行。
    §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(+,-)
    (2010 年 12 月 31 日)                                                             (2011 年 6 月 30 日)
    公
    积
    送
    比例                          金     其他            小计                           比例
    数量                   发行新股                                                     数量
    (%)                    股                                                         (%)
    转
    股
    一、有限售条件股份    1,206,528,316    24.18   1,859,197,460   0    0    -416,000,000   1,443,197,460     2,649,725,776    38.68
    1、国家持股
    2、国有法人持股         523,154,855    10.48   1,344,510,738   0    0              0    1,344,510,738     1,867,665,593    27.27
    3、其他内资持股
    其中:
    境内非国有法人持股
    境内自然人持股
    4、外资持股             683,373,461    13.69    514,686,722    0    0    -416,000,000      98,686,722      782,060,183     11.42
    其中:
    境外法人持股        683,373,461    13.69    514,686,722    0    0    -416,000,000     98,686,722       782,060,183     11.42
    境外自然人持股
    二、无限售条件股份    3,784,000,000    75.82               0   0    0    416,000,000      416,000,000     4,200,000,000    61.32
    11
    1、人民币普通股           3,784,000,000    75.82              0    0    0      416,000,000          416,000,000       4,200,000,000    61.32
    2、境内上市的外资股
    3、境外上市的外资股
    4、其他
    三、股份总数              4,990,528,316   100.00   1,859,197,460   0    0                0      1,859,197,460         6,849,725,776   100.00
    3.2 股东数量和前 10 名股东持股情况
    (单位:股)
    股东总数(户)                                                                    139,361
    前 10 名股东持股情况
    质押或冻结的
    持股                      持有有限
    报告期内                                                       股份数量
    股东名称                    股东性质                         比例     持股总数           售条件
    增减                                                     股份
    (%)                       股份数量                   数量
    状态
    首钢总公司                         国有法人     691,204,239                 20.28   1,388,851,181     960,838,701        无
    英大国际控股集团有限公司           国有法人     653,306,499                 18.24   1,249,226,892     906,826,892        无
    DEUTSCHE BANK
    LUXEMBOURG S.A.                    境外法人     514,686,722                  9.28    635,686,722      514,686,722         无
    德意志银行卢森堡股份有限公司
    DEUTSCHE BANK
    AKTIENGESELLSCHAFT                 境外法人               0                  8.21    562,373,461      267,373,461         无
    德意志银行股份有限公司
    红塔烟草(集团)有限责任公司       国有法人               0                  4.37    299,600,000                  0       无
    润华集团股份有限公司             境内非国有法人   2,211,000                  3.59    245,803,700                  0     质押     229,000,000
    SAL.OPPENHEIM JR.&
    CIE.KOMMANDITGESELLSCHAF
    T AUF AKTIEN                       境外法人               0                  2.50    171,200,000                  0       无
    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               0                  1.69    115,942,972                  0     质押      50,000,000
    上海健特生命科技有限公司         境内非国有法人 1,120,600                    1.31     89,568,322                  0     质押      88,440,000
    上海建工(集团)总公司             国有法人               0                  1.16     79,200,000                  0       无
    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
    首钢总公司                                                                                          428,012,480          人民币普通股
    英大国际控股集团有限公司                                                                            342,400,000          人民币普通股
    红塔烟草(集团)有限责任公司                                                                        299,600,000          人民币普通股
    DEUTSCHE BANK AKTIENGESELLSCHAFT
    295,000,000          人民币普通股
    德意志银行股份有限公司
    润华集团股份有限公司                                                                                245,803,700          人民币普通股
    SAL.OPPENHEIM JR.& CIE.KOMMANDITGESELLSCHAFT
    171,200,000          人民币普通股
    AUF AKTIEN 萨尔奥彭海姆股份有限合伙企业
    DEUTSCHE BANK LUXEMBOURG S.A.
    121,000,000          人民币普通股
    德意志银行卢森堡股份有限公司
    北京三吉利能源股份有限公司                                                                          115,942,972          人民币普通股
    上海健特生命科技有限公司                                                                             89,568,322          人民币普通股
    上海建工(集团)总公司                                                                               79,200,000          人民币普通股
    12
    上述股东关联关系或一致行动的     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
    说明                             资子公司;德意志银行股份有限公司于 2010 年 3 月 15 日完成收购萨尔奥彭海姆股份
    有限合伙企业 100%权益持有人 SAL.OPPENHEIM JR.&CIE.S.C.A.的 100%股份的交
    割,具体内容详见本公司 2010 年 3 月 18 日临时公告。
    公司未知上述其他股东之间是否存在关联关系。
    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。2011 年 4 月 26 日本公司非公开发行完成后,首钢总公
    司为本公司第一大股东。
    §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
    (单位:股)
    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
    吴建           董事长                         0         0          0        0
    方建一         副董事长                       0         0          0        0
    李汝革         副董事长                       0         0          0        0
    孙伟伟         董事                           0         0          0        0
    丁世龙         董事                           0         0          0        0
    Robert John
    董事                             0      0          0         0
    Rankin
    Christian
    董事                             0      0          0         0
    Klaus Ricken
    张萌           董事                             0      0          0         0
    樊大志         董事、行长                       0      0          0         0
    任永光         董事、副行长                     0      0          0         0
    赵军学         董事、董事会秘书                 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
    萧伟强         独立董事                         0      0          0         0
    曾湘泉         独立董事                         0      0          0         0
    于长春         独立董事                         0      0          0         0
    裴长洪         独立董事                         0      0          0         0
    成燕红         监事会主席                       0      0          0         0
    李连刚         监事                             0      0          0         0
    田英           监事                             0      0          0         0
    程晨           监事                             0      0          0         0
    郭建荣         监事                             0      0          0         0
    刘国林         监事                             0      0          0         0
    高培勇         外部监事                         0      0          0         0
    戚聿东         外部监事                         0      0          0         0
    李国鹏         工会主席、职工代表监事           0      0          0         0
    李琦           职工代表监事                     0      0          0         0
    张国伟         职工代表监事                     0      0          0         0
    王耀庭         副行长                           0      0          0         0
    13
    李翔          副行长                        0         0              0         0
    黄金老        副行长                        0         0              0         0
    宋继清        财务负责人                    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 2011 年上半年末,公司总资产达到 11407.68 亿元,比上年末增加 1005.38 亿元,
    增长 9.66%;各项存款余额 8175.92 亿元,比上年末增加 499.70 亿元,增长 6.51%;各项贷
    款总额 5706.75 亿元,比上年末增加 427.38 亿元,增长 8.10%;不良贷款率 0.98%,比上年
    末下降 0.20 个百分点;2011 年上半年实现利润总额 56.72 亿元,比上年同期增加 16.60 亿元,
    增长 41.38%;实现净利润 42.67 亿元,比上年同期增加 12.59 亿元,增长 41.89%。公司上
    半年完成非公开发行股票工作,共募集资金 201.07 亿元,增加了核心资本,上半年末资本
    充足率达到 13.32%,核心资本充足率达到 9.80%。
    上半年,公司认真贯彻落实董事会和年初工作会议精神,紧紧围绕“调结构、控风险、
    创效益、促发展”的核心目标,以全面提升合规运行能力、优质服务能力、持续盈利能力为
    重点,积极组织开展各项工作。在稳步推进主营业务发展的同时,持续打造“中小企业金融
    服务商”品牌,大力发展中间业务,有效控制管理成本,业务结构进一步优化,经营效益显
    著提升。
    持续打造“中小企业金融服务商”品牌,加大客户开发力度。2009 年成立的“在行式”
    小企业专营机构,集营销与授信全流程管理于一体。目前,全行 30 家一级分行、9 家二级
    分行成立了中小企业信贷部地区分部,形成了覆盖全行的小企业金融服务网络。截至 2011
    年 6 月末,小企业专营机构纯贷款余额达 332.94 亿元,比年初增加 147.96 亿元,增长 79.98%;
    纯贷款客户达 5193 户,比年初增加 2212 户,增长 74.20%。2011 年 6 月末,全行小企业纯
    贷款余额达 1132.33 亿元,在全行纯贷款余额中占比达 19.92%。
    大力发展中间业务,重点加快国际业务、票据业务、理财业务等中间业务发展,不断
    优化中间业务收入结构,提高中间业务收入占比。上半年实现中间业务收入 19.04 亿元,同
    比增长 74.36%,中间业务收入占比 12.00%,同比提高 2.56 个百分点。其中,国际结算业务
    快速增长,国际结算量达到 296.68 亿美元,同比增长 60.39%;国际结算收入大幅提高,达
    到 4.20 亿元,同比增长 43.74%。国际业务品牌建设持续推进,“环球智赢”荣获每日经济新
    闻“年度最佳商业银行服务品牌”金鼎奖。
    实施全面成本管理,严格控制费用支出,加强财务审批的过程和标准管理,对费用项
    目预算执行实施全过程跟踪。上半年,公司成本收入比为 42.59%,比年初进一步降低。
    5.2 业务收入种类状况
    (单位:人民币千元)
    业务种类                                业务收入
    贷款                                                                11,116,225
    拆借                                                                    136,974
    存放央行及同业                                                      -2,122,016
    买入返售卖出回购业务                                                  3,598,416
    债券投资                                                              1,395,642
    手续费、佣金                                                          1,527,233
    其他业务                                                                213,950
    合计                                                                15,866,424
    注:债券投资收入包括债券投资利息收入和债券投资差价收入。
    14
    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
    华北、东北地区                              6,183,392                     242,421
    华东地区                                    4,495,576                   2,449,067
    华中、华南地区                              2,670,871                   1,410,673
    西部地区                                    2,516,585                   1,568,632
    合计                                       15,866,424                   5,670,793
    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 对报告期净利润产生重大影响的其他经营业务
    □ 适用 √ 不适用
    5.8 经营中的问题与困难
    当前,我国经济金融运行正向宏观调控预定的方向发展,但经济金融发展面临的形势依
    然复杂,世界经济继续缓慢复苏,面临的风险因素依然较多。我国经济继续平稳较快发展,
    但通胀压力依然存在。为应对通货膨胀的影响,央行接连调高准备金率和基准利率,实施差
    别准备金动态调整机制,加大了对商业银行信贷运行的窗口指导,市场流动性持续趋紧,存
    款竞争异常激烈。监管部门按照《第三版巴塞尔协议》原则积极推进监管新规的实施,宏观
    调控政策和监管政策实施力度在不断加大,商业银行面临新的资本和流动性监管压力,公司
    的资产负债结构调整也将面临更大的压力。随着“十二五”规划的实施、国家经济结构的调
    整、发展方式的转变、经济增长速度的放缓和利率市场化的加快,公司的融资成本将会提高,
    公司经营将面临更大的压力。
    5.9 募集资金使用情况
    5.9.1 募集资金运用
    根据公司 2010 年第一次临时股东大会决议,并经中国证券监督管理委员会(证监许可
    [2011]207 号)核准,公司非公开发行股票 1,859,197,460 股,实际募集资金 201.07 亿元已全
    部用于补充资本金。
    5.9.2 非募集资金投资的重大项目、项目进度及收益情况
    □ 适用 √ 不适用
    5.10 董事会下半年的经营计划修改计划
    □ 适用 √ 不适用
    5.11 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
    15
    §6 重要事项
    6.1 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 2011 年 6 月 30
    日,公司存在人民币 1000 万元以上的未决诉讼案件 30 件,涉及标的人民币 12.10 亿元,其
    中作为被告的未决诉讼案件 3 件,涉及标的人民币 2.16 亿元。报告期内,公司对未决被诉
    案件可能遭受的损失已经足额计提预计负债。
    6.2 持有其他上市公司股权、参股金融企业股权情况
    6.2.1 公司持有其他上市公司发行的股票情况
    初始投资金额        占该公司股权      期末账面价值
    证券代码          证券简称
    (人民币元)         比例(%)       (人民币元)
    V             Visa Inc.            1,296,655            0.0003          537,884.15
    6.2.2 公司持有非上市金融企业、拟上市公司股权的情况
    初始投资金额                   占该公司股       期末账面价值
    持有对象名称                        持股数量
    (人民币元)                   权比例(%)      (人民币元)
    中国银联股份有限公司          81,250,000   62,500,000            2.13           81,250,000
    北京大兴华夏村镇银行
    100,000,000   100,000,000             100          100,000,000
    有限责任公司
    6.3 重大资产收购及出售、吸收合并事项
    6.3.1 收购资产
    □ 适用 √ 不适用
    6.3.2 出售资产
    □ 适用 √ 不适用
    6.4 重大关联交易事项
    1、报告期末,公司向持有公司 5%以上股份股东发放贷款情况如下:
    (单位:人民币千元)
    股东名称            持股总数(股)     2011 年 6 月末贷款余额    2010 年末贷款余额
    首钢总公司            1,388,851,181                  3,900,000               900,000
    2、报告期末,公司仍在履行的 3000 万元以上关联贷款余额 40.68 亿元,占贷款总额的
    0.71%。
    3、报告期末,持有国家电网公司及中国电力财务有限公司债券 4 亿元人民币。
    4、报告期末,首钢总公司履约保函余额 1927.76 万元(扣除保证金),国家电网公司
    信用证余额折合人民币 9.31 亿元。
    报告期内,根据中国银监会《商业银行与内部人和股东关联交易管理办法》,公司进
    一步强化关联交易风险管理与控制,合理控制关联交易额度,积极调整关联交易结构,促进
    了公司进一步完善关联交易管理,有效地控制关联交易风险。公司严格执行中国银监会《商
    业银行与内部人和股东关联交易管理办法》,关联交易按照商业原则,以不低于对非关联方
    同类交易的条件,作为关联交易的定价原则和依据。
    6.5 重大担保
    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,无其他重大担保
    事项。
    16
    § 7 财务报告
    7.1 审计意见
    财务报告                          √未经审计 □审计
    7.2 资产负债表、利润表、现金流量表、股东权益变动表(见附件)
    7.3 会计报表附注
    7.3.1 报告期内会计政策、会计估计变更与会计差错更正情况
    报告期内,公司不存在会计政策、会计估计变更以及重要的前期差错更正。
    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
    董事长:吴建
    华夏银行股份有限公司董事会
    二〇一一年八月十日
    17
    资产负债表
    编制单位:华夏银行股份有限公司                     2011 年 6 月 30 日                                    单位:人民币元
    期末数                                        期初数
    项     目        附注
    合并                 母公司                   合并                 母公司
    资产:
    现金及存放中央银行款项   五、1     158,780,048,444.72     158,768,464,923.03     141,399,550,009.36     141,387,869,599.92
    存放同业款项             五、2      28,434,805,815.30       28,434,272,376.71       7,529,858,290.74       7,529,046,690.74
    贵金属                                    7,818,282.82           7,818,282.82
    拆出资金                 五、3      24,367,804,000.00       24,367,804,000.00     36,485,612,200.00       36,485,612,200.00
    交易性金融资产           五、4         858,598,078.85         858,598,078.85         106,446,265.00         106,446,265.00
    衍生金融资产             五、5          32,947,112.61          32,947,112.61          26,053,598.57          26,053,598.57
    买入返售金融资产         五、6     257,958,992,381.31     257,958,992,381.31     240,084,250,169.41     240,084,250,169.41
    应收利息                 五、7        5,034,252,363.15       5,034,239,239.87       2,917,283,614.95       2,917,283,614.95
    发放贷款和垫款           五、8     555,464,854,621.54     555,458,419,621.54     514,863,428,181.77     514,863,428,181.77
    可供出售金融资产         五、9      15,478,580,659.12       15,478,580,659.12     14,859,482,016.40       14,859,482,016.40
    持有至到期投资           五、10     80,182,154,288.36       80,182,154,288.36     66,295,430,284.80       66,295,430,284.80
    应收款项类投资           五、11       3,000,000,000.00       3,000,000,000.00       5,850,000,000.00       5,850,000,000.00
    长期股权投资             五、12         81,787,884.15         181,787,884.15          81,798,511.34         181,798,511.34
    投资性房地产             五、13         38,470,835.12          38,470,835.12          39,129,049.41          39,129,049.41
    固定资产                 五、14       5,885,715,426.32       5,882,514,563.27       5,900,665,595.23       5,897,919,079.70
    递延所得税资产           五、15       1,717,247,956.61       1,716,216,523.99       1,693,338,001.56       1,692,306,568.94
    其他资产                 五、16       3,444,413,640.19       3,440,222,449.61       2,098,116,444.86       2,093,657,528.99
    资产总计                         1,140,768,491,790.17   1,140,841,503,220.36   1,040,230,442,233.40   1,040,309,713,359.94
    资产负债表(续)
    编制单位:华夏银行股份有限公司                  2011 年 6 月 30 日                                       单位:人民币元
    期末数                                        期初数
    项      目     附注
    合并                  母公司                   合并                 母公司
    负债:
    向中央银行借款
    同业及其他金融机构存放
    五、18    106,635,910,935.10     106,752,941,973.85      93,579,712,379.03       93,671,144,224.47
    款项
    拆入资金                 五、19     17,099,236,452.49       17,099,236,452.49     10,983,960,411.25       10,983,960,411.25
    交易性金融负债           五、20         34,617,000.00          34,617,000.00
    衍生金融负债             五、5            1,752,205.21           1,752,205.21           1,421,141.27           1,421,141.27
    卖出回购金融资产款       五、21     97,273,279,482.17       97,273,279,482.17     89,866,546,922.56       89,866,546,922.56
    吸收存款                 五、22    817,591,679,289.07     817,542,389,442.91     767,622,249,016.94     767,609,032,737.43
    应付职工薪酬             五、23       2,681,985,863.48       2,681,669,436.49       2,055,211,542.69       2,054,917,695.06
    应交税费                 五、24       1,861,166,217.16       1,861,134,907.29       2,463,161,534.84       2,463,110,420.64
    应付利息                 五、25       6,707,580,317.43       6,708,043,366.74       4,879,027,891.34       4,879,484,837.98
    预计负债                 五、26         58,518,291.50          58,518,291.50          63,518,291.50          63,518,291.50
    应付债券                 五、27     24,020,000,000.00       24,020,000,000.00     24,020,000,000.00       24,020,000,000.00
    递延所得税负债           五、15           8,674,829.46           8,674,829.46           6,513,399.65           6,513,399.65
    其他负债                 五、28       7,988,582,205.87       7,987,906,744.37       9,193,239,536.06       9,190,683,309.87
    负债合计                           1,081,962,983,088.94   1,082,030,164,132.48   1,004,734,562,067.13   1,004,810,333,391.68
    股东权益:
    股本                     五、29       6,849,725,776.00       6,849,725,776.00       4,990,528,316.00       4,990,528,316.00
    资本公积                 五、30     32,458,636,519.29       32,458,636,519.29     14,277,520,713.50       14,277,520,713.50
    减:库存股
    盈余公积                 五、31       2,382,657,245.88       2,382,657,245.88       2,382,657,245.88       2,382,657,245.88
    一般风险准备             五、32       8,410,013,782.14       8,410,013,782.14       8,410,013,782.14       8,410,013,782.14
    未分配利润               五、33       8,704,475,377.92       8,710,305,764.57       5,435,160,108.75       5,438,659,910.74
    股东权益合计                         58,805,508,701.23       58,811,339,087.88     35,495,880,166.27       35,499,379,968.26
    负债及股东权益总计                 1,140,768,491,790.17   1,140,841,503,220.36   1,040,230,442,233.40   1,040,309,713,359.94
    法定代表人:                           行长:                                  财务负责人:
    利 润 表
    编制单位:华夏银行股份有限公司                      2011 年 1-6 月                                 单位:人民币元
    本期金额
    项      目              附注                                                        上期金额
    合并                 母公司
    一、营业收入                                           15,866,423,522.76     15,864,113,585.80    11,561,281,730.99
    利息净收入                              五、34        14,252,714,024.01     14,250,404,672.13    10,617,643,164.33
    利息收入                                         29,745,879,698.03     29,745,757,254.50    20,120,795,449.28
    利息支出                                         15,493,165,674.02     15,495,352,582.37     9,503,152,284.95
    手续费及佣金净收入                      五、35         1,527,233,390.52      1,527,232,805.44      801,650,943.97
    手续费及佣金收入                                  1,748,038,244.44      1,748,036,902.86      960,679,241.99
    手续费及佣金支出                                    220,804,853.92        220,804,097.42      159,028,298.02
    投资收益                                五、36           -77,318,303.76        -77,318,303.76          274,550.02
    其中:对联营企业和合营企业的投资
    收益
    公允价值变动收益                        五、37             7,736,395.69          7,736,395.69       10,621,690.85
    汇兑收益                                                  97,377,535.03         97,377,535.03       72,130,394.31
    其他业务收入                            五、38            58,680,481.27         58,680,481.27       58,960,987.51
    二、营业支出                                           10,195,630,887.63     10,190,990,366.01     7,547,487,408.13
    营业税金及附加                          五、39         1,113,014,676.63      1,113,013,033.53      751,887,693.68
    业务及管理费                            五、40         6,757,676,600.23      6,753,102,721.71     4,957,680,619.35
    资产减值损失                            五、41         2,321,288,585.75      2,321,223,585.75     1,831,548,175.99
    其他业务成本                                               3,651,025.02          3,651,025.02         6,370,919.11
    三、营业利润                                            5,670,792,635.13      5,673,123,219.79     4,013,794,322.86
    加:营业外收入                          五、42            12,417,600.71         12,417,600.71       19,398,382.92
    减:营业外支出                          五、43            11,180,850.17         11,180,850.17       21,185,975.00
    四、利润总额                                            5,672,029,385.67      5,674,359,970.33     4,012,006,730.78
    减:所得税费用                          五、44         1,404,608,453.30      1,404,608,453.30     1,004,467,417.31
    五、净利润                                               4,267,420,932.37      4,269,751,517.03     3,007,539,313.47
    六、每股收益
    (一)基本每股收益                      五、45                    0.7606                                   0.6026
    (二)稀释每股收益                      五、45                    0.7606                                   0.6026
    七、其他综合收益                         五、46           -66,327,203.46        -66,327,203.46       69,920,244.68
    八、综合收益总额                                        4,201,093,728.91      4,203,424,313.57     3,077,459,558.15
    法定代表人:                         行长:                                   财务负责人:
    现金流量表
    编制单位:华夏银行股份有限公司               2011 年 1-6 月                                 单位:人民币元
    本期金额
    项    目              附注                                                    上期金额
    合并                母公司
    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                  63,025,628,828.20    63,015,154,454.86      102,565,211,578.57
    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
    收取利息、手续费及佣金的现金                    16,245,062,224.92    16,242,770,757.41       12,079,834,455.56
    收到其他与经营活动有关的现金                       179,465,587.75       179,465,587.75          177,229,293.19
    经营活动现金流入小计                          79,450,156,640.87    79,437,390,800.02      114,822,275,327.32
    客户贷款及垫款净增加额                          42,793,591,998.31    42,787,091,998.31       59,020,671,040.91
    存放中央银行和同业款项净增加额                  31,167,790,255.71    31,162,116,649.26       20,642,919,344.90
    向其他金融机构拆出资金净增加额                   4,351,103,037.49     4,351,103,037.49       37,671,270,699.08
    支付手续费及佣金的现金                             220,804,853.92       220,804,097.42          159,028,298.02
    支付给职工以及为职工支付的现金                   3,170,157,205.41     3,169,166,280.00        2,148,451,046.73
    支付的各项税费                                   3,162,061,738.64     3,162,039,791.21        1,929,284,319.13
    支付其他与经营活动有关的现金                     2,096,721,050.78     2,105,642,098.67        5,773,542,447.23
    经营活动现金流出小计                          86,962,230,140.26    86,957,963,952.36      127,345,167,196.00
    经营活动产生的现金流量净额             五、47   -7,512,073,499.39    -7,520,573,152.34      -12,522,891,868.68
    二、投资活动产生的现金流量:
    收回投资收到的现金                              44,544,516,655.64    44,544,516,655.64       75,940,395,726.84
    取得投资收益收到的现金                                                                              274,550.02
    收到其他与投资活动有关的现金                        15,106,093.93        15,106,093.93           23,378,268.70
    投资活动现金流入小计                          44,559,622,749.57    44,559,622,749.57       75,964,048,545.56
    投资支付的现金                                  60,053,963,977.77    60,053,963,977.77       81,808,027,035.11
    购建固定资产、无形资产和其他长期资产               840,005,841.32       825,457,532.76          907,394,331.72
    支付其他与投资活动有关的现金
    投资活动现金流出小计                           60,893,969,819.09    60,879,421,510.53      82,715,421,366.83
    投资活动产生的现金流量净额                      -16,334,347,069.52   -16,319,798,760.96      -6,751,372,821.27
    三、筹资活动产生的现金流量:
    吸收投资收到的现金                              20,106,640,469.25    20,106,640,469.25
    发行债券收到的现金                                                                            4,400,000,000.00
    收到其他与筹资活动有关的现金                        52,049,255.14        52,049,255.14
    筹资活动现金流入小计                          20,158,689,724.39    20,158,689,724.39        4,400,000,000.00
    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                 844,282,440.22       844,282,440.22          569,374,131.15
    支付其他与筹资活动有关的现金                       469,129,446.58       469,129,446.58          267,457,736.98
    筹资活动现金流出小计                           1,313,411,886.80     1,313,411,886.80          836,831,868.13
    筹资活动产生的现金流量净额                      18,845,277,837.59    18,845,277,837.59        3,563,168,131.87
    四、汇率变动对现金的影响额                               990,235.53           990,235.53           -5,250,154.98
    五、现金及现金等价物净增加额                      -5,000,152,495.79    -4,994,103,840.18      -15,716,346,713.06
    加:期初现金及现金等价物余额                      78,431,423,106.30    78,420,897,416.56       58,989,287,016.95
    六、期末现金及现金等价物余额             五、47   73,431,270,610.51    73,426,793,576.38       43,272,940,303.89
    法定代表人:                             行长:                                  财务负责人:
    合并股东权益变动表
    编制单位:华夏银行股份有限公司                                                                                              2011 年 1-6 月                                                                                                            单位:人民币元
    本期金额                                                                                                             上期金额
    项目
    股本             资本公积           盈余公积          一般风险准备         未分配利润        股东权益合计             股本             资本公积           盈余公积         一般风险准备         未分配利润        股东权益合计
    一、上年年末余额                    4,990,528,316.00   14,277,520,713.50   2,382,657,245.88     8,410,013,782.14   5,435,160,108.75   35,495,880,166.27   4,990,528,316.00   14,356,639,570.50   1,783,349,016.71    6,988,533,664.52   2,115,134,646.89   30,234,185,214.62
    加:会计政策变更
    前期差错更正
    其他
    二、本年年初余额                    4,990,528,316.00   14,277,520,713.50   2,382,657,245.88     8,410,013,782.14   5,435,160,108.75   35,495,880,166.27   4,990,528,316.00   14,356,639,570.50   1,783,349,016.71    6,988,533,664.52   2,115,134,646.89   30,234,185,214.62
    三、本年增减变动金额(减少以“-”   1,859,197,460.00   18,181,115,805.79                                           3,269,315,269.17   23,309,628,534.96                         69,920,244.68                                           2,358,770,632.39    2,428,690,877.07
    (一)净利润                                                                                                       4,267,420,932.37    4,267,420,932.37                                                                                 3,007,539,313.47    3,007,539,313.47
    (二)其他综合收益                                        -66,327,203.46                                                                 -66,327,203.46                         69,920,244.68                                                                 69,920,244.68
    上述(一)和(二)小计                                    -66,327,203.46                                           4,267,420,932.37    4,201,093,728.91                         69,920,244.68                                           3,007,539,313.47    3,077,459,558.15
    (三)股东投入和减少资本            1,859,197,460.00   18,247,443,009.25                                                              20,106,640,469.25
    1.股东投入资本                      1,859,197,460.00   18,247,443,009.25                                                              20,106,640,469.25
    2.股份支付计入股东权益的金额
    3.其他
    (四)利润分配                                                                                                      -998,105,663.20     -998,105,663.20                                                                                  -648,768,681.08     -648,768,681.08
    1.提取盈余公积
    2.提取一般风险准备
    3.对股东的分配                                                                                                      -998,105,663.20     -998,105,663.20                                                                                  -648,768,681.08     -648,768,681.08
    4.其他
    (五)股东权益内部结转
    1.资本公积转增股本
    2.盈余公积转增股本
    3.盈余公积弥补亏损
    4.一般风险准备弥补亏损
    5.其他
    (六)其他
    四、本年末余额                      6,849,725,776.00   32,458,636,519.29   2,382,657,245.88     8,410,013,782.14   8,704,475,377.92   58,805,508,701.23   4,990,528,316.00   14,426,559,815.18   1,783,349,016.71    6,988,533,664.52   4,473,905,279.28   32,662,876,091.69
    法定代表人:                                                                                                       行长:                                                                                   财务负责人:
    股东权益变动表
    编制单位:华夏银行股份有限公司                                                                                            2011 年 1-6 月                                                                                                            单位:人民币元
    本期金额                                                                                                             上期金额
    项目
    股本             资本公积           盈余公积          一般风险准备         未分配利润        股东权益合计             股本             资本公积           盈余公积         一般风险准备         未分配利润        股东权益合计
    一、上年年末余额                    4,990,528,316.00   14,277,520,713.50   2,382,657,245.88     8,410,013,782.14   5,438,659,910.74   35,499,379,968.26   4,990,528,316.00   14,356,639,570.50   1,783,349,016.71    6,988,533,664.52   2,115,134,646.89   30,234,185,214.62
    加:会计政策变更
    前期差错更正
    其他
    二、本年年初余额                    4,990,528,316.00   14,277,520,713.50   2,382,657,245.88     8,410,013,782.14   5,438,659,910.74   35,499,379,968.26   4,990,528,316.00   14,356,639,570.50   1,783,349,016.71    6,988,533,664.52   2,115,134,646.89   30,234,185,214.62
    三、本年增减变动金额(减少以“-”   1,859,197,460.00   18,181,115,805.79                                           3,271,645,853.83   23,311,959,119.62                         69,920,244.68                                           2,358,770,632.39    2,428,690,877.07
    (一)净利润                                                                                                       4,269,751,517.03    4,269,751,517.03                                                                                 3,007,539,313.47    3,007,539,313.47
    (二)其他综合收益                                        -66,327,203.46                                                                 -66,327,203.46                         69,920,244.68                                                                 69,920,244.68
    上述(一)和(二)小计                                    -66,327,203.46                                           4,269,751,517.03    4,203,424,313.57                         69,920,244.68                                           3,007,539,313.47    3,077,459,558.15
    (三)股东投入和减少资本            1,859,197,460.00   18,247,443,009.25                                                              20,106,640,469.25
    1.股东投入资本                      1,859,197,460.00   18,247,443,009.25                                                              20,106,640,469.25
    2.股份支付计入股东权益的金额
    3.其他
    (四)利润分配                                                                                                      -998,105,663.20     -998,105,663.20                                                                                  -648,768,681.08     -648,768,681.08
    1.提取盈余公积
    2.提取一般风险准备
    3.对股东的分配                                                                                                      -998,105,663.20     -998,105,663.20                                                                                  -648,768,681.08     -648,768,681.08
    4.其他
    (五)股东权益内部结转
    1.资本公积转增股本
    2.盈余公积转增股本
    3.盈余公积弥补亏损
    4.一般风险准备弥补亏损
    5.其他
    (六)其他
    四、本年末余额                      6,849,725,776.00   32,458,636,519.29   2,382,657,245.88     8,410,013,782.14   8,710,305,764.57   58,811,339,087.88   4,990,528,316.00   14,426,559,815.18   1,783,349,016.71    6,988,533,664.52   4,473,905,279.28   32,662,876,091.69
    法定代表人:                                                                                                       行长:                                                                                   财务负责人: