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2020年01月18日 星期六

华夏银行(600015)公告正文

华夏银行:2012年半年度报告摘要

公告日期:2012-08-10

               华夏银行股份有限公司 2012 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 本公司第六届董事会第十三次会议于 2012 年 8 月 8 日审议通过了《华夏银行股份有限
公司 2012 年半年度报告》及摘要。会议应到董事 18 人,实到董事 15 人。Robert John Rankin
董事委托 Christian Klaus Ricken 董事行使表决权,张萌董事委托方建一副董事长行使表决
权,卢建平独立董事委托骆小元独立董事行使表决权。7 名监事列席了本次会议。

1.3 本报告中本公司指华夏银行股份有限公司,本集团指华夏银行股份有限公司及其控股机
构。

1.4 本公司 2012 年半年度财务报告未经审计。

1.5 本公司董事长吴建、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)
                                                                    本报告期末比上年度
                               本报告期末          上年度期末
                                                                      期末增减(%)
总资产                           1,354,515,131       1,244,141,182                8.87
归属于上市公司股东的所有
                                     68,584,805         63,901,085                  7.33
者权益
归属于上市公司股东的每股
                                         10.01                9.33                  7.29
净资产(元/股)


                                           1
                                                                             本报告期比上年同期
                                       报告期             上年同期
                                                                                 增减(%)
  营业利润                                8,076,299            5,670,793                   42.42
  利润总额                                8,093,237            5,672,029                   42.69
  归属于上市公司股东的净利
                                          6,075,236            4,267,421                       42.36
  润
  归属于上市公司股东的扣除
                                          5,921,327            4,324,979                       36.91
  非经常性损益的净利润
  基本每股收益(元)                              0.89                 0.76                      17.11
  扣除非经常性损益后的基本
                                                0.86                 0.77                      11.69
  每股收益(元)
  稀释每股收益(元)                              0.89                 0.76                    17.11
  加权平均净资产收益率(%)                       9.09                 9.71      下降 0.62 个百分点
  经营活动产生的现金流量净
                                         13,723,857           -7,512,073                   282.69
  额
  每股经营活动产生的现金流
                                                2.00                 -1.10                 281.82
  量净额(元)


  2.2.2 非经常性损益项目
                                                                      (单位:人民币千元)
                             项目                                     2012 年 1-6 月
   非流动资产处置损益                                                                   -64
   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
                                                                                      148,140
   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
                                                                                       40,751
   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                                                17,002
   非经常性损益总额                                                                   205,829
   减:非经常性损益的所得税影响额                                                      51,920
   非经常性损益净额                                                                   153,909
   减:归属于少数股东的非经常性损益净影响数(税后)                                         -
   归属于公司普通股股东的非经常性损益                                                 153,909

  2.2.3 补充财务比例:
              项目                  2012 年上半年      2011 年上半年         2010 年上半年
   净利差(%)                                 2.59               2.50                  2.32
   净息差(%)                                 2.80               2.65                  2.43


  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                2012 年上半年              2011 年                2010 年
资产总额                          1,354,515,131            1,244,141,182          1,040,230,442
负债总额                          1,285,901,916            1,180,211,059          1,004,734,562


                                                2
   存款总额                          968,851,866                 896,023,654           767,622,249
   其中: 企业活期存款               311,453,826                 309,828,177           305,809,054
   企业定期存款                      322,220,952                 302,301,603           234,430,295
   储蓄活期存款                       55,237,398                  57,641,397            40,857,653
   储蓄定期存款                       96,980,312                  84,968,119            73,038,732
   其他存款                          182,959,378                 141,284,358           113,486,515
   贷款总额                          670,591,299                 611,462,917           527,936,681
   其中: 正常贷款                   664,907,000                 605,863,230           521,682,644
   不良贷款                            5,684,299                   5,599,687             6,254,037
   同业拆入                            2,680,184                  26,958,473            10,983,960
   贷款损失准备                       19,067,786                  17,258,817            13,073,253


         报告期末资本构成及变化情况:
                                                                       (单位:人民币百万元)
                     项目                2012 年上半年            2011 年        2010 年
      资本净额                                      91,068             83,139           54,904
      其中:核心资本净额                            67,846             62,063           34,480
            附属资本                                23,719             21,572           20,424
            扣减项                                      497               496                 -
      风险加权资产及市场风险资本调
                                                   806,200            711,821          518,722
      整
      资本充足率(%)                                11.30              11.68            10.58
      核心资本充足率(%)                             8.42                8.72            6.65


     2.3.2 前三年主要财务指标
                                     2012 上半年                   2011 年               2010 年
      项目(%)         标准值    期末       平均            期末        平均      期末        平均
资产利润率                            0.45       0.47            0.81        0.74      0.64        0.61
资本利润率                            8.85       9.17           14.42       15.69     16.87       16.39
资本充足率                  ≥8      11.30      11.40           11.68       11.74     10.58       10.54
核心资本充足率                        8.42       8.50            8.72        8.20      6.65        6.64
不良贷款率                            0.85       0.88            0.92        1.03      1.18        1.32
            人民币                   66.30      67.08           66.65       68.03     66.90       69.66
存贷款比
            外币                     47.22      55.72           72.24       86.44     73.01       77.42

            折人民币        ≤75     65.84      66.80           66.72       68.26     67.00       69.76
资产流动 人民币                      28.23      32.72           39.39       40.28     38.10       37.30
性比例      外币                     47.93      60.74           51.28       62.01     78.20       72.34
单一最大客户贷款比率        ≤10      5.38       4.97            4.69        4.91      5.29        5.22
最大十家客户贷款比率        ≤50     24.47      24.89           25.29       29.36     35.83       34.96
拨备覆盖率                         335.45     321.45          308.21       265.91   209.04      190.21
贷款拨备率                            2.84       2.83            2.82        2.70      2.48        2.49
成本收入比                           40.57      42.43           41.89       42.53     43.41       44.06

         注:1、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、贷款拨备率=贷款损失准备÷各项贷款余额×100%


                                               3
                 3、资产利润率和资本利润率为半年度数据。
                 迁徙率数据列表:
               项目(%)           2012 年上半年               2011 年                  2010 年
             正常类贷款迁徙率                     0.63                     1.98                      1.97
             关注类贷款迁徙率                     6.63                    18.02                     34.09
             次级类贷款迁徙率                    37.70                    55.83                     67.42
             可疑类贷款迁徙率                     8.82                    22.26                     46.75


             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。
                  截止报告期末,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、郑州等城市设立
             了 33 家一级分行,营业网点达到 437 家,覆盖 68 个地级以上城市。报告期内新增营业网点
             11 家。
                  2011 年 12 月 22 日,本公司南昌分行获银监会批准,正在筹建中。

             2.3.3.2 分支机构基本情况
                                                                              机构     职员   资产规模(人民
  机构名称                                 营业地址
                                                                              数       数       币百万元)
总行            北京市东城区建国门内大街 22 号                                         1412           300,500
北京分行        北京市西城区金融大街 11 号                                        51   2191          157,404
南京分行        南京市中山路 81 号                                                24   1111           59,425
杭州分行        杭州市庆春路 73 号                                                25   1050           60,675
上海分行        上海市浦东南路 256 号                                             26    920           54,184
济南分行        济南市纬二路 138 号                                               28   1421           45,500
昆明分行        昆明市威远街 98 号                                                20    670           37,158
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    749           38,274
沈阳分行        沈阳市沈河区青年大街 51 号                                        13    660           33,137
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    709           26,973
武汉分行        武汉市武昌区民主路 786 号华银大厦                                 17    835           51,449
重庆分行        重庆市江北区江北城西大街 27 号                                    15    662           80,868
成都分行        成都市武侯区航空路 1 号 1 栋                                      13    570           28,512
西安分行        西安市长安北路 111 号                                             10    405           29,895
乌鲁木齐分行    乌鲁木齐市东风路 15 号                                             7    289            9,040
大连分行        大连市中山区同兴街 25 号                                          10    501           40,938
青岛分行        青岛市市南区东海西路 5 号甲 1 层                                  16    840           25,386
太原分行        太原市迎泽大街 113 号                                             13    688           45,344
温州分行        温州市车站大道神力大厦                                            13    605           19,340
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)           10    398           13,807
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    400           13,047
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                      12    492           18,062
石家庄分行      石家庄市辖区中山西路 48 号                                        16    831           31,071

                                                      4
宁波分行        宁波市江东区和源路 366 号                                             6     336           16,563
绍兴分行        绍兴市延安路 260 号                                                   5     285           10,733
南宁分行        南宁市市民族大道 85 号南丰大厦                                        7     322           17,106
常州分行        常州市和平北路 162 号                                                 6     296           11,081
苏州分行        苏州工业园区星海街 188 号                                            13     514           22,808
无锡分行        无锡市崇安区新生路 105 号                                            12     485           24,170
长沙分行        长沙市五一路 389 号华美欧国际大厦                                     3     245           14,054
合肥分行        合肥市濉溪路 278 号财富广场 C 座                                      2     166            3,653
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     143            4,031
长春分行        长春市南关区人民大街 4888 号                                          1     140            7,733
郑州分行        郑州市郑东新区商务外环路 29 号 1 层 0101 号                           1     107            2,096
   总   计                                                                          437   21448      1,354,017

             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                           656,149,065                 97.84                      17.99
        关注贷款                             8,757,935                  1.31                      -2.25
        次级贷款                             2,018,904                  0.30                     -16.85
        可疑贷款                             2,359,939                  0.35                       3.49
        损失贷款                             1,305,456                  0.20                      45.11
                 合计                      670,591,299               100.00                       17.51


             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                                 20,406                  26,293                   0.00
        逾期贷款                              4,481,263               5,857,848                   0.87


             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                                                              17,258,817
             本期计提                                                               2,078,122
             本期收回                                                                  68,196
             已减值贷款利息冲转                                                        95,399
             本期核销                                                                 227,950
             本期转出                                                                  14,000
             期末余额                                                              19,067,786
                 贷款减值准备金的计提方法:
                 本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,本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,



                                                          5
    计提贷款损失准备并计入当期损失;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
                                                                    (单位:人民币千元)
          项目           期初余额      本期增加          本期收回          期末余额
     应收利息             5,635,045     754,453,628       753,847,153          6,241,520

    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                     21,991,024            56.03                      26.35
     拆放同业利息收入                   311,084              0.79                      26.01
     存放中央银行款项利息收入          1,383,794             3.53                      34.50
     存放同业利息收入                  1,414,394             3.61                     545.79
     债券投资利息收入                  2,984,878             7.60                     102.35
     手续费收入                        2,207,185             5.62                      26.27
     其他项目                          8,957,844            22.82                      -5.29
                  合计                39,250,203           100.00                      24.29

    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,本集团对公贷款行业分布前 10 位情况如下:
                                                                    (单位:人民币千元)
                                                  期末                        年初
           行业分布
                                     账面余额      比例(%)          账面余额     比例(%)
制造业                                182,158,694        27.17        164,732,017       26.94
批发和零售业                           97,886,584        14.61          86,692,926      14.18
房地产业                               66,618,342         9.93          62,633,704      10.24
租赁和商务服务业                       53,792,159         8.02          54,016,028       8.83
建筑业                                 49,627,284          7.4          42,617,396       6.97
交通运输、仓储和邮政业                 41,195,715         6.14          41,011,511       6.71
电力、热力、燃气及水生产和供应
                                       25,548,343         3.81      25,263,112        4.13

采矿业                                 24,252,972         3.62      22,470,317        3.68
水利、环境和公共设施管理业             11,023,267         1.64      10,586,509        1.73
住宿和餐饮业                            8,178,180         1.22        7,398,417       1.21
         报告期内,本集团积极贯彻国家调控政策、监管政策,加大信贷政策对业务发展的支
    持力度,增强行业和区域信贷政策对业务发展、资源配置、结构调整、风险防控的指导作用,
    积极引导信贷投向结构及信贷资源配置,基本实现了行业信贷结构的均衡增长与优化。

    2.3.8.2 贷款投放地区分布情况
                                                                    (单位:人民币千元)


                                              6
                                               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                            231,917,814             34.59           214,040,781         35.01
华东                                  218,390,300             32.57           202,530,315         33.12
华南及华中                            123,889,024             18.47           108,184,215         17.69
西部                                   96,394,161             14.37            86,707,606         14.18
合计                                  670,591,299               100           611,462,917           100

    2.3.8.3 前十名贷款客户情况
         报告期内,本集团严格控制贷款集中度风险,前十大客户贷款余额合计 222.80 亿元,
    占期末贷款余额的 3.32%,占资本净额的 24.47%,控制在监管要求之内。

    2.3.8.4 贷款担保方式分类及占比
                                                                             (单位:人民币千元)
                                       期末                                        年初
    担保方式
                           账面余额           占比(%)               账面余额           占比(%)
信用贷款                     113,855,607              16.98             106,197,985              17.37
保证贷款                     223,530,586              33.33             196,637,555              32.16
附担保物贷款                 333,205,106              49.69             308,627,377              50.47
-抵押贷款                   240,994,707              35.94             228,661,809              37.39
-质押贷款                    92,210,399              13.75              79,965,568              13.08
      合计                   670,591,299             100.00             611,462,917             100.00

    2.3.9 抵债资产基本情况
                                                                           (单位:人民币百万元)
                                       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                               312                   156                 332                   161
土地使用权                           -                      -                  -                     -
股权                                16                     16                 15                    15
汽车                                 -                      -                  -                     -
其他                                35                     35                 35                    35
合计                               363                   207                 382                   211

    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:人民币百万元)
                    类别                            平均余额                 平均利率(%)
     企业活期存款                                              265,436                      0.93
     企业定期存款                                              471,139                      3.29
     储蓄活期存款                                               39,693                      0.47
     储蓄定期存款                                               85,443                      3.17
                    合计                                       861,711                      2.42

    2.3.10.2 主要贷款与利率情况
                                                                            (单位:人民币百万元)
                    类别                            平均余额                  平均利率(%)

                                                    7
         一年以内短期贷款                               336,113                       6.99
         中长期贷款                                     302,862                       6.70
                      合计                              638,975                       6.85
        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:人民币百万元)
                              类别                                  金额
         政策性金融债                                                             31,222
         商业银行金融债                                                             7,630
         证券公司金融债                                                                 0
         财务公司金融债                                                               300
         国际金融公司金融债                                                            50
         商业银行次级债                                                             1,587
         保险公司次级债                                                             2,300
         商业银行混合资本债券                                                         900
                           合计                                                   43,989


            其中,重大金融债券的情况:
                                                                    (单位:人民币百万元)
                                                                                             计提减值准
                       类别                            面值       年利率(%)    到期日
                                                                                             备(原币)
上海浦东发展银行股份有限公司 2012 年第一期金融债券        4,000          4.2     2017-2-28             -
2012 年第二期中国民生银行股份有限公司金融债券             1,500         4.39     2017-5-10             -
2012 年第一期招商银行股份有限公司金融债券                 1,000       R+0.95     2017-3-14             -
国家开发银行 2008 年第 20 期金融债券                      1,000         3.42    2018-11-25             -
国家开发银行 2012 年第 22 期金融债券                        850         4.44     2022-4-23             -
国家开发银行 2011 年第 23 期金融债券                        710       R+0.75     2018-4-14             -
         注:R:一年期定期存款利率。

        2.3.12 报告期委托理财、资产证券化、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
             报告期内,本公司理财业务快速发展,实现理财业务手续费收入 7.46 亿元,同比增加
        2.78 亿元,增长 59.40%。

        2.3.12.2 资产证券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
             报告期内,本公司各项代理业务发展良好。一是基金及券商集合计划产品代销规模同比
        大幅增长,累计实现销售额 142.75 亿元,同比增长 313.53%,实现代销手续费收入 1167.42
        万元。二是公司代理保险规模保费收入 1.21 亿元,实现代理保险手续费收入 324.18 万元。
        公司取得保险兼业代理资格的网点达到 404 个,具有保险兼业代理资格的员工达到 1767 名。

        2.3.12.4 托管业务的开展和损益情况




                                                  8
        报告期内,本公司资产托管规模大幅增长。公司托管证券投资基金、券商集合计划、银
    行理财、信托、保险资金债权投资计划、私募基金等各类产品合计 427 只,托管规模达到
    3951.68 亿元,同比增长 108.17%,实现托管手续费收入 1.14 亿元,同比增长 91.52%。
    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                         年初
信贷承诺                                       419,593,575                  347,889,954
其中:
      不可撤消的贷款承诺                                  -                                  -
      银行承兑汇票                              286,457,733                        217,677,171
      开出保函                                   10,257,679                         11,495,275
      开出信用证                                111,181,413                        109,590,672
    未使用的信用卡额度                           11,696,750                          9,126,836
租赁承诺                                          3,720,359                          3,465,310
资本性支出承诺                                      253,160                            272,205


        持有的衍生金融工具情况:
                                                                   (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                         41,833,808            103,426            46,567
     未交割即期外汇合约                      835,297                  67              352
     远期合约                             15,757,883              72,042           60,750
     合计                                                       175,535          107,669


    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、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。本集团信用
    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:本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;总分行成立风险管理与内部控制委员会,将风险管理与内控工作
    的统筹和协调管理职责落到实处;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;本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
    批人专业审批相结合的授信审批模式;本公司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,为积极应对空前复杂的国内外经济形势,
    本公司以强化全面风险管理为统领,进一步强化风险统筹和精细管理,定期分析评估本行风
    险管理及内控整体状况,及时研究解决风险管理及内控的重点难点问题;积极推进授信业务
    结构调整,优化信贷资源配置,持续提升风险覆盖水平、优质客户、优质行业占比;加强重


                                            9
点领域信用风险管控,实施增速及总量控制、名单制管理、上收审批权限、放款核准等举措,
严密盯防房地产、政府融资平台等重点领域风险;强化资产质量整体管控,积极组织问题贷
款退出竞赛、低质客户退出活动,加大问题贷款快速处置、风险资产主动退出力度,确保资
产质量持续提升;以真实性为核心强化授信全流程管理,认真贯彻贷款新规,严防授信业务
风险及案件发生。
    (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款能力、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;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,本集团表内
外信用风险敞口合计为 17600.00 亿元。其中,表内业务风险敞口 13404.07 亿元,占比
76.16%;表外业务风险敞口 4195.93 亿元,占比 23.84%。
    风险集中度。报告期末,本集团最大单一法人客户贷款余额 49.00 亿元,占资本净额的
5.38%;最大十家单一法人客户贷款余额 222.80 亿元,占资本净额的 24.47%。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,本集团各行业不良贷款率超过不良贷款平均比例
(0.85%)的主要是教育 2.84%、制造业 1.37%、批发和零售业 1.24%、房地产业 1.22%,教
育不良贷款率比较高的主要原因是行业贷款总额较低。集团各地区不良贷款率超过全行不良
贷款总体比例(0.85 %)的是华北及东北地区 0.99%,华南及华中地区、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
     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。本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。
     报告期内,面对复杂的经济金融形势,本公司高度重视流动性风险管理工作,采取各项
措施控制流动性风险,主要有:一是根据市场变化调整备付策略,分别设定总、分行备付率
区间控制目标,加强监控,确保支付安全。二是强化流动性压力测试和应急演练,丰富总、
分行流动性压力测试情景,通过压力测试及时揭示流动性缺口变化,提前做好资金补充,降
低流动性风险。三是优化资产负债结构,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,做好存贷比指标控制,改善流动性指标。
     报告期末,本集团本、外币流动性比例分别为 28.23%、47.93%,本外币存贷比 65.84%。
     报告期内,为保持合理的社会融资规模,加大金融对实体经济的支持力度,进一步深化
利率市场化和汇率形成机制等重点领域改革,央行于 2 月 24 日、5 月 18 日两次下调存款准
备金率,同时于 6 月 8 日、7 月 6 日一个月内连续 2 次降息,且为近年来首次启动非对称降
息。连续降息收窄银行利差,使银行间竞争更加激烈,间接给流动性风险管理带来挑战。
     面对上述形势,下半年本公司将继续全面加强流动性风险管理,提升流动性风险的识别、
计量和控制水平,强化全行流动性风险管理意识,提高对市场的敏感性和反应能力,在保证
流动性安全的前提下,合理安排各项资产负债业务规模和结构,实现安全性、流动性、效益
性的协调统一。

2.3.14.3 市场风险管理
     (1)市场风险管理情况。本公司由独立的市场风险管理部门负责全行市场风险的识别、
计量、监测和控制。市场风险主要来源于利率风险和汇率风险。报告期内,本公司积极跟踪
分析宏观经济金融形势,在分析经济形势、政策环境、市场经营环境变化的基础上,制定了
与本公司业务发展战略、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,并落
实市场风险管理政策、程序和要求;同时发挥专业服务作用,支持业务经营决策,积极应对
突发市场事件,加强协同,确保市场风险各项相关业务稳健开展;严格风险限额管理,逐日

                                        10
进行监控,将市场风险控制在可承受的范围内;按照外部监管要求和内部管理需要,加强制
度建设,严格市场风险内控管理,提高市场风险计量技术,完善市场风险报告体系,增强风
险管控和合规运行能力。
    (2)利率风险状况。报告期内,本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,积极应对降息及通缩环境。截至报告期末,本公
司银行账户人民币和美元利率重定价期限总缺口为 598.85 亿元,如果利率曲线整体下移
25BP,未来一年本公司净利息收入将增加 0.13 亿元;债券资产余额(面值)为 1635.54 亿
元,利率敏感性指标(PV01)为 9558.88 万元人民币,平均待偿期限为 9.30 年,平均久期
5.74 年。
    (3)汇率风险状况。报告期内,本公司密切关注美国经济环境、欧洲主权债务危机进
展,持续加强敞口及限额管理,有效控制总体汇率风险。截至报告期末,本公司外汇总敞口
为 10.69 亿元人民币,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 2137.95 万元人民币。

2.3.14.4 操作风险管理
     报告期内,本公司面临的主要操作风险为案件风险和信息技术风险。本公司操作风险管
理工作围绕公司主要经营活动和重点、热点问题,落实各项监管要求和年度操作风险管理策
略,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)加强案件防控,在专业条线初步建立了案件风险点库,对业务流程中的风险点进
行有效识别,完善控制措施,增强案防工作的前瞻性、主动性。
     (2)强化重点领域操作风险评估检查,针对业务连续性管理、客户信息安全管理、灾
备建设等开展操作风险评估,提升了关键业务的规范运行水平。
     (3)扩展关键风险指标工具应用范围,覆盖人员、流程、IT 系统和外部事件风险,提
升了对全行操作风险监测的广度和深度。
     (4)深化信息系统应急机制建设,加快灾备建设进程,组织同城灾备演练,强化信息
技术运维管理,提升信息技术风险防控能力。
2.3.14.5 国别风险管理
     本公司按照银监会《银行业金融机构国别风险管理指引》等监管要求,指定专业部门在
全行有序开展国别风险管理工作,逐步开展国别风险识别、监测、计量、控制和报表上报等
工作。
     报告期内,针对欧美主要国家信用评级降级、欧洲主权债务危机等,本公司综合运用风
险提示、风险缓释等多种手段,通过加强代理行风险监控,及时调整代理行分类准入标准,
适时关注、暂停、终止代理行用信,有效防范国别风险。

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
     报告期内,本公司根据相关法律、法规和监管规章的要求,以合规、简明、可操作为重
点,加强制度创新,逐步建立管理办法、实施细则、业务流程、岗位职责、核算办法配套衔
接的制度管理体系,满足全行内控管理需求。报告期内共制定、修订业务制度 114 项。同时,
根据监管要求,全面启动内控规范实施工作,按照公司层面、管理控制层面、业务流程层面、
信息系统层面梳理风险控制矩阵,进一步完善内部控制制度,提高了流程的运行效率,确保
内部控制制度的完整性、合理性和有效性。
     报告期内,本公司组织了多项针对内部控制制度执行情况的检查,其中包括:组织 3
次“不规范经营”专项治理活动专项检查;组织信贷、公司、个人、电子银行、信息技术等
业务部门开展联合专业检查;落实监管要求,组织开展全面风险排查。根据检查结果,本公
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)

                                        11
                              本次变动前                                                                                       本次变动后
                                                                       本次变动增减(+,-)
                         (2011 年 12 月 31 日)                                                                          (2012 年 6 月 30 日)
                                                                              公积
                                                                   送
                                          比例                                金转          其他         小计                             比例
                            数量                    发行新股                                                                 数量
                                          (%)                    股                                                                     (%)
                                                                               股

一、有限售条件股份       1,859,197,460      27.14              0        0           0              0             0        1,859,197,460      27.14

1、国家持股

2、国有法人持股          1,344,510,738      19.63              0        0           0              0             0        1,344,510,738      19.63

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                514,686,722       7.51              0        0           0              0              0        514,686,722        7.51

  其中:

    境外法人持股           514,686,722       7.51              0        0           0              0             0         514,686,722        7.51

    境外自然人持股

二、无限售条件股份       4,990,528,316      72.86              0        0           0              0              0       4,990,528,316      72.86

1、人民币普通股          4,990,528,316      72.86              0        0           0              0              0       4,990,528,316      72.86

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             6,849,725,776     100.00              0        0           0              0              0       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)                                                                            170,655
  前 10 名股东持股情况
                                                                                                                           质押或冻结的股份
                                                                            持股                        持有有限售
                                                      报告期内                                                                   数量
              股东名称                   股东性质                           比例         持股总数         条件
                                                        增减                                                               股份
                                                                            (%)                         股份数量                     数量
                                                                                                                           状态
首钢总公司                               国有法人                  0        20.28       1,388,851,181   691,204,239           无
国网英大国际控股集团有限公司             国有法人                  0        18.24       1,249,226,892   653,306,499           无
DEUTSCHE BANK LUXEMBOURG S.A.
                                         境外法人                  0         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                   0       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    -24,678,153             3.12       213,376,112                   0     质押    213,300,000

                                                                       12
                                    有法人
SAL.OPPENHEIM JR.&
CIE.KOMMANDITGESELLSCHAFT 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        1.57    107,841,472                 0    质押      50,000,000
                                    境内非国
上海健特生命科技有限公司                            0        1.31     89,568,322                 0    质押     89,560,000
                                    有法人
包头华资实业股份有限公司            国有法人        0        0.89     61,091,000                 0    质押     26,930,000
  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
首钢总公司                                                                          697,646,942         人民币普通股
国网英大国际控股集团有限公司                                                        595,920,393         人民币普通股
DEUTSCHE BANK AKTIENGESELLSCHAFT
                                                                                    562,373,461         人民币普通股
德意志银行股份有限公司
红塔烟草(集团)有限责任公司                                                        299,600,000         人民币普通股
润华集团股份有限公司                                                                213,376,112         人民币普通股
SAL.OPPENHEIM JR.& CIE.KOMMANDITGESELLSCHAFT AUF AKTIEN
                                                                                    171,200,000         人民币普通股
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                                                          107,841,472         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
包头华资实业股份有限公司                                                         61,091,000      人民币普通股
上述股东关联关系或一致行动的    报告期内,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
说明                            公司的全资子公司;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。本公司未知上述其他股东之
                                间是否存在关联关系。
             注: 本公司股东德意志银行股份有限公司协议受让萨尔奥彭海姆股份有限合伙企业所持本
             公司 171,200,000 股股份的股权变动事项,正在履行相关法定批准程序。

             3.3 控股股东及实际控制人变更情况
                 □ 适用 √ 不适用

             §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


                                                        13
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
              职工代表监事、工会
李国鹏                                0         0           0         0
              主席
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
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
      报告期内,本公司围绕五年规划纲要的各项目标,认真落实年度工作任务,坚持以科
学发展为主题,以加快转变发展方式为主线,坚持稳中求进,全力以赴推动改革、创新发展、
精细管理,努力提高对实体经济的服务能力。本公司总体运行平稳,盈利能力持续提升,成
本收入结构不断改善,资产质量运行稳定,拨备水平稳步提升,经营状况继续保持良好发展
势头。
    盈利能力持续提升。报告期末,集团总资产达到 13545.15 亿元,比年初增加 1103.74
亿元,增长 8.87%;归属于上市公司股东的净利润 60.75 亿元,同比增加 18.08 亿元,增
长 42.36%;年化资产利润率达到 0.94%,同比提高 0.16 个百分点。盈利能力的提升主要得
益于存贷款规模的稳步增长、收入结构的优化、成本的有效控制和资产质量的持续改善。
      业务规模稳步增长。报告期末,各项存款 9688.52 亿元,比年初增加 728.28 亿元,增
长 8.13%;各项贷款 6705.91 亿元,比年初增加 591.28 亿元,增长 9.67%。个人理财产品销


                                        14
售规模达到 1511.47 亿元,同比增长 129.80%。国际结算量达到 465 亿美元,同比增长超过
50%,托管业务规模达到 3951.68 亿元,同比增长 108.17%。
      收入结构继续优化。本公司大力发展新兴中间业务,重点发展低资本占用的投行、国
际结算、托管等业务,实现中间业务收入 23.27 亿元,同比增加 4.23 亿元,增长 22.22%,
其中,国际结算收入增长超过 50%;投行业务收入增长超过 40%;托管业务手续费收入同比
增长 91.52%。
      成本费用支出有效控制。报告期,本公司通过强化信贷运行管理和重点领域的风险管
控,进一步提高信用风险管理能力,提升信贷资产质量,信用成本 0.32%,同比下降 0.12
个百分点。通过推进实施全面成本管理,提高费用使用效率,成本收入比 40.57%,同比下
降 2.02 个百分点。
      资产质量保持稳定。本公司进一步加强对实体经济的服务,围绕资产质量管理目标,
开展信贷资产质量提升工作,强化薄弱环节管控和关键环节监督检查,优化授信业务流程和
信贷系统功能。强化房地产贷款、政府融资平台贷款、“两高一剩”行业等重点领域的风险
管控。报告期末,公司不良贷款率 0.85%,比年初下降 0.07 个百分点。拨备覆盖率 335.45%,
比年初提高 27.24 个百分点。
    服务能力不断增强。报告期内,本公司稳步推进品牌及渠道建设,着力提升服务客户的
能力。一是持续推进社区型、专业型网点建设及小型支行转型建设,加大力度在中西部地区
和中等城市延伸机构网点。报告期末,分支机构总数达 437 家,在 26 家分行成立了托管分
中心,信用卡直销中心已达 6 家、共建中心 7 家,专业化营销队伍不断壮大。二是完成电子
银行整体服务品牌——华夏龙网的方案设计,提升电子银行在营销、服务和效益等方面的积
极作用。加快推进电子银行的应用,通过跨行互联等产品大力开发客户。TPOS 机具净增近 2
万台,网银企业和个人客户大幅增长,其中网银个人客户总数突破 100 万。三是积极推进节
能减排“绿色信贷”业务,加强与法国开发署和世界银行的政府转贷业务合作,荣获中国节
能协会颁发的 2012 年“节能中国十大贡献单位奖”及中国银行业协会颁发的“最佳绿色金
融奖”等奖项。
    小企业金融服务水平持续提升。报告期内,本公司围绕“中小企业金融服务商”战略,
扎实发展小企业业务,业务规模稳步扩大。小企业贷款余额 1190.35 亿元,增量超过去年同
期;增速超全行贷款增速 3.8 个百分点,实现了“两个不低于”的监管目标。小企业客户总
量 17.64 万户,其中贷款客户超过 1.3 万户。本公司在绍兴、常州打造小企业特色分行,完
善营销机制试点工作进展顺利,业务发展良好,绍兴分行被中国银监会评为“2011 年度全
国银行业金融机构小微企业金融服务先进单位”。本公司自主研发的资金支付管理系统,通
过与近 40 家核心企业对接,为众多上下游小企业客户提供在线融资、现金管理等全方位服
务。首推“龙舟客户”增值服务试点,为小企业提供免费代帐、法律咨询等非金融增值服务。
     中间业务保持良好发展势头。报告期内,国际业务客户群体进一步扩大,贸易融资授
信客户较年初增长近 50%。国际业务大力发展结售汇、跨境人民币结算、进出口代付、出口
双保理等“3+3”重点产品,产品体系进一步丰富和完善,“环球智赢”国际业务金融服务
品牌知名度进一步提升,国内信用证产品荣获《银行家》杂志和中国社会科学院金融研究所
金融产品中心联合主办的“2012 中国金融创新奖”之“十佳金融产品营销奖”。加强债务
融资工具承销业务营销力度,共完成了 15 个项目的注册,发行金额 129.70 亿元,实现承销
业务收入 1.45 亿元;积极进行业务和产品创新,提升对客户的金融服务能力,加快资产管
理业务发展,实现业务收入 10.14 亿元。


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                                                              11,562,191
 拆借                                                                   -50,599
 存放央行及同业                                                      -2,134,215
 买入返售卖出回购业务                                                 4,831,259


                                        15
 债券投资                                                             2,973,448
 手续费、佣金                                                         1,999,345
 其他业务                                                               270,748
                  合计                                               19,452,177

    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。


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                               7,593,820                   998,378
 华东地区                                     5,087,534                 2,764,452
 华中、华南地区                               3,731,160                 2,297,317
 西部地区                                     3,039,663                 2,016,152
 合计                                       19,452,177                  8,076,299


5.4 主营业务及其结构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
    当前国内外经济环境仍十分复杂严峻,我国经济下行压力加大,物价走势仍需关注,
部分企业生产经营困难,经济金融等领域也存在一些不容忽视的潜在风险。同时,随着《商
业银行资本管理办法(试行)》的颁布和央行两次调整存贷款基准利率并扩大浮动区间,对
本公司的经营管理带来压力和挑战。
    一是世界经济复苏缓慢,国际国内大宗商品价格波动,资本市场低迷,包括汽车、钢
铁、石油以及股票在内的抵质押物价格将受到影响。国内部分企业经营出现困难,由此带来
的债务重组、清算等将直接影响本公司资产质量。
    二是银监会 6 月推出《商业银行资本管理办法(试行)》,对商业银行的资本工具、
风险覆盖面等提出更高要求,明确了控制资产增速、提高内在发展质量的调控方向,为本公
司未来发展提出更高要求。
    三是央行今年 6 月、7 月连续两次降息,并扩大存款、贷款利率浮动区间,对本公司未
来在利率管理、资金组织和客户结构等方面提出更高要求。


5.9 报告期投资情况
5.9.1 募集资金使用情况
     □ 适用 √不适用



                                       16
    5.9.2 非募集资金投资的重大项目情况
        报告期内,本公司未发生使用非募集资金进行重大项目投资的事项。


    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

    §6 重要事项

    6.1 重大诉讼仲裁事项
        报告期内,本公司未发生对经营活动产生重大影响的诉讼仲裁事项。截至报告期末,本
    公司存在人民币 1000 万元以上的未决诉讼案件 78 件,涉及标的人民币 237266.47 万元,其
    中作为被告的未决诉讼案件 4 件,涉及标的人民币 12161.80 万元。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          528,896.39

    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有限责任公司          100,000,000      100,000,000           100     100,000,000
昆明呈贡华夏村镇银行股份有限公司           50,000,000       35,000,000            70      35,000,000
四川江油华夏村镇银行股份有限公司           50,000,000       35,000,000            70      35,000,000


    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,本集团持股5%及5%以上股东及其控制的关联公司仍在履行的3000 万元以
    上贷款情况如下(扣除保证金存款、质押存单及国债金额):
                                                                  (单位:人民币千元)
                关联企业名称              2012 年中贷款余额     占贷款总额比例(%)
       首钢总公司                                     4,900,000               0.76%
       北京首钢特殊钢有限公司                           118,000               0.02%


                                              17
   巴州凯宏矿业有限责任公司                       225,000                 0.04%
   国网能源开发有限公司                           300,000                 0.05%

    2、报告期末,本集团持有国网英大国际控股集团有限公司关联公司国家电网公司债券
10.9亿元人民币,持有国网英大国际控股集团有限公司关联公司中国电力财务有限公司债券
3亿元人民币。
     3、报告期末,本集团向首钢总公司关联公司深圳龙隆国际贸易有限公司开立银行承兑
汇票 8000 万元(扣除保证金)。向国网英大国际控股集团有限公司的关联公司国家电网公
司开立信用证 60023.29 万元,向国网英大国际控股集团有限公司的关联公司四川省电力公
司开立银行承兑汇票余额 80000 万元(扣除保证金),向国网英大国际控股集团有限公司的
关联公司山东送变电工程公司开立非融资保函余额 1576.18 万元(扣除保证金)。向红塔烟
草(集团)有限责任公司发放贷款 3 亿元,占贷款总额比例为 0.05%,向红塔烟草(集团)
有限责任公司关联公司云南安晋高速公路开发有限公司发放贷款 3 亿元,报告期末余额 2.98
亿元,占贷款总额比例为 0.05%。
     4、报告期末,本集团向关联公司发放的贷款余额为人民币 61.41 亿元,占本公司贷款
总额的 0.95%。本公司关联贷款均无逾期、欠息情况。从关联交易的数量、结构、质量及面
临的潜在风险角度分析,现有的关联贷款对本公司的正常经营不会产生重大影响。
    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》,本公司进
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
了本公司进一步完善关联交易管理,有效地控制关联交易风险。本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 重大合同及其履行情况
    报告期内,本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。


§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
                                        二〇一二年八月八日




                                       18
                                             合并及公司资产负债表

                                                   2012 年 6 月 30 日

编制单位:华夏银行股份有限公司                                                                                     单位:人民币元

                                                          期末数                                          期初数
           项    目              附注
                                                合并                     公司                   合并                    公司

资产:

  现金及存放中央银行款项         五、1    190,904,905,457.99       190,786,240,510.60     172,473,379,378.15       172,391,075,295.95

  存放同业款项                   五、2     64,183,302,721.10        64,141,236,386.90     101,662,126,216.61       101,603,946,708.71

  贵金属                                         1,937,641.93             1,937,641.93         52,961,741.96            52,961,741.96

  拆出资金                       五、3     23,303,550,754.28        23,195,150,754.28      29,935,629,000.00        29,935,629,000.00

  交易性金融资产                 五、4      9,894,208,739.31         9,894,208,739.31       4,004,590,925.61         4,004,590,925.61

  衍生金融资产                   五、5        175,534,574.43            175,534,574.43        201,841,023.09          201,841,023.09

  买入返售金融资产               五、6    240,307,100,439.52       240,307,100,439.52     197,867,971,987.55       197,867,971,987.55

  应收利息                       五、7      6,241,520,048.66         6,254,314,500.08       5,635,045,171.37         5,634,676,486.49

  发放贷款和垫款                 五、8    651,523,513,560.48       651,154,167,169.47     594,204,100,217.26       594,072,488,093.24

  可供出售金融资产               五、9     49,910,155,688.05        49,910,155,688.05      28,488,363,138.35        28,488,363,138.35

  持有至到期投资             五、10       101,434,640,829.49       101,434,640,829.49      93,800,841,947.10        93,800,841,947.10

  应收款项类投资             五、11         2,000,000,000.00         2,000,000,000.00       3,500,000,000.00         3,500,000,000.00

  长期股权投资               五、12            81,778,896.39            251,778,896.39         81,773,844.93          251,773,844.93

  投资性房地产               五、13            54,136,549.41             54,136,549.41         55,039,049.41            55,039,049.41

  固定资产                   五、14         6,903,277,574.84         6,894,933,260.39       6,745,585,115.56         6,737,661,528.80

  无形资产                   五、15            93,291,057.65             93,291,057.65         94,489,657.97            94,489,657.97

  递延所得税资产             五、16         2,782,994,088.06         2,780,235,678.80       2,795,192,441.15         2,792,434,031.89

  其他资产                   五、17         4,719,282,576.09         4,687,632,098.29       2,542,250,711.49         2,524,778,978.27




    资产总计                             1,354,515,131,197.68   1,354,016,694,774.99     1,244,141,181,567.56   1,244,010,563,439.32
                                        合并及公司资产负债表(续)
                                                   2012 年 6 月 30 日

                                                           期末数                                         期初数
             项    目          附注
                                                 合并                    公司                   合并                    公司

负债:

  向中央银行借款               五、19         20,000,000.00

  同业及其他金融机构存放款项   五、20    193,400,288,376.53         193,744,817,571.16    135,645,158,236.29       136,048,279,566.35

  拆入资金                     五、21      2,680,184,276.32           2,680,184,276.32     26,958,473,357.29        26,958,473,357.29

  交易性金融负债               五、22                                                          50,848,200.00            50,848,200.00

  衍生金融负债                 五、5         107,669,198.66             107,669,198.66        192,122,704.88          192,122,704.88

  卖出回购金融资产款           五、23     77,572,909,879.02          77,572,909,879.02     78,326,791,849.13        78,326,791,849.13

  吸收存款                     五、24    968,851,866,101.54         968,037,008,952.30    896,023,653,633.62       895,514,042,436.09

  应付职工薪酬                 五、25      4,618,934,766.86           4,617,559,417.46      3,092,041,218.26         3,090,955,407.24

  应交税费                     五、26      2,622,681,477.10           2,622,400,061.85      3,847,301,926.34         3,847,215,321.97

  应付利息                     五、27      8,034,307,791.98           8,047,788,708.39      7,780,606,452.58         7,779,848,684.14

  预计负债                     五、28            3,189,300.00             3,189,300.00           3,189,300.00            3,189,300.00

  应付债券                     五、29     22,020,000,000.00          22,020,000,000.00     22,020,000,000.00        22,020,000,000.00

  递延所得税负债               五、16        168,559,040.62             168,559,040.62         51,504,745.43            51,504,745.43

  其他负债                     五、30      5,801,325,862.97           5,799,492,213.97      6,219,367,031.95         6,217,228,067.15

    负债合计                            1,285,901,916,071.60    1,285,421,578,619.75     1,180,211,058,655.77   1,180,100,499,639.67

股东权益:

  股本                         五、31      6,849,725,776.00           6,849,725,776.00      6,849,725,776.00         6,849,725,776.00

  资本公积                     五、32     32,920,614,812.37          32,920,614,812.37     32,599,699,858.71        32,599,699,858.71

  减:库存股

  盈余公积                     五、33      3,305,398,534.82           3,305,398,534.82      3,305,398,534.82         3,305,398,534.82

  一般风险准备                 五、34      9,792,940,285.61           9,792,940,285.61      9,792,940,285.61         9,792,940,285.61

  未分配利润                   五、35     15,716,125,488.54          15,726,436,746.44     11,353,320,230.27        11,362,299,344.51

  归属于母公司股东权益合计                68,584,804,897.34          68,595,116,155.24     63,901,084,685.41        63,910,063,799.65

  少数股东权益                                28,410,228.74                                    29,038,226.38

     股东权益合计                         68,613,215,126.08          68,595,116,155.24     63,930,122,911.79        63,910,063,799.65

         负债及股东权益总计             1,354,515,131,197.68    1,354,016,694,774.99     1,244,141,181,567.56   1,244,010,563,439.32

法定代表人:                              行长:                                      财务负责人:
                                                    合并及公司利润表
                                                          2012 年 1-6 月
 编制单位:华夏银行股份有限公司                                                                                       单位:人民币元
                                                              本期金额                                         上期金额
               项   目             附注
                                                   合并                       公司                   合并                    公司
 一、营业收入                                19,452,176,547.18             19,436,756,752.96    15,866,423,522.76     15,864,113,585.80
   利息净收入                     五、36     17,193,514,440.26             17,178,163,827.96    14,252,714,024.01     14,250,404,672.13
       利息收入                              36,783,701,467.04             36,860,304,643.35    29,745,879,698.03     29,745,757,254.50
       利息支出                              19,590,187,026.78             19,682,140,815.39    15,493,165,674.02     15,495,352,582.37
   手续费及佣金净收入             五、37      1,999,344,967.04              1,999,275,785.12     1,527,233,390.52         1,527,232,805.44
       手续费及佣金收入                       2,207,184,541.60              2,207,080,359.40     1,748,038,244.44         1,748,036,902.86
       手续费及佣金支出                        207,839,574.56                207,804,574.28       220,804,853.92           220,804,097.42
   投资收益                       五、38           -8,848,583.99               -8,848,583.99       -77,318,303.76           -77,318,303.76
         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、39       148,140,201.78                148,140,201.78          7,736,395.69             7,736,395.69
   汇兑收益                                    112,104,942.87                112,104,942.87        97,377,535.03            97,377,535.03
   其他业务收入                   五、40            7,920,579.22                7,920,579.22       58,680,481.27            58,680,481.27
 二、营业支出                                11,375,877,302.55             11,358,497,367.03    10,195,630,887.63     10,190,990,366.01
   营业税金及附加                 五、41      1,403,424,864.86              1,403,070,418.98     1,113,014,676.63         1,113,013,033.53
   业务及管理费                   五、42      7,891,572,664.30              7,876,958,051.02     6,757,676,600.23         6,753,102,721.71
   资产减值损失                   五、43      2,068,398,816.88              2,065,987,940.52     2,321,288,585.75         2,321,223,585.75
   其他业务成本                                    12,480,956.51              12,480,956.51          3,651,025.02             3,651,025.02
 三、营业利润                                 8,076,299,244.63              8,078,259,385.93     5,670,792,635.13         5,673,123,219.79
   加:营业外收入                 五、44           27,701,417.25              27,701,417.25        12,417,600.71            12,417,600.71
   减:营业外支出                 五、45           10,763,213.49              10,763,213.49        11,180,850.17            11,180,850.17
 四、利润总额                                 8,093,237,448.39              8,095,197,589.69     5,672,029,385.67         5,674,359,970.33
   减:所得税费用                 五、46      2,018,628,743.76              2,018,628,743.76     1,404,608,453.30         1,404,608,453.30
 五、净利润                                   6,074,608,704.63              6,076,568,845.93     4,267,420,932.37         4,269,751,517.03
   归属于母公司所有者的净利润                 6,075,236,702.27              6,076,568,845.93     4,267,420,932.37         4,269,751,517.03
   少数股东损益                                      -627,997.64
 六、每股收益
   (一)基本每股收益             五、47                   0.8869                                           0.7606
   (二)稀释每股收益             五、47                   0.8869                                           0.7606
 七、其他综合收益                 五、48       320,914,953.66                320,914,953.66        -66,327,203.46           -66,327,203.46
 八、综合收益总额                             6,395,523,658.29              6,397,483,799.59     4,201,093,728.91         4,203,424,313.57
       归属于母公司股东的综合收
                                              6,396,151,655.93              6,397,483,799.59     4,201,093,728.91         4,203,424,313.57
益总额
       归属于少数股东的综合收益
                                                     -627,997.64
总额
 法定代表人:                               行长:                                               财务负责人:
                                                          合并及公司现金流量表
                                                               2012 年 1-6 月
编制单位:华夏银行股份有限公司                                                                                                          单位:人民币元
                                                                                本期金额                                     上期金额
                      项   目                       附注
                                                                     合并                    公司                合并                      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                                130,583,342,383.16    130,219,504,521.02     63,025,628,828.20           63,015,154,454.86
 向中央银行借款净增加额                                             20,000,000.00
 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                                   19,363,106,881.12     19,348,709,569.21     16,245,062,224.92           16,242,770,757.41
 存放中央银行和同业款项净减少额                                  1,900,646,643.52      2,025,594,032.82
 收到其他与经营活动有关的现金                                      144,475,374.05          144,475,374.05      179,465,587.75              179,465,587.75
   经营活动现金流入小计                                        152,011,571,281.85    151,738,283,497.10     79,450,156,640.87           79,437,390,800.02
 客户贷款及垫款净增加额                                         59,282,969,496.32     59,042,824,352.97     42,793,591,998.31           42,787,091,998.31
 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
 向其他金融机构拆出资金净增加额                                 67,270,706,066.75     67,270,706,066.75      4,351,103,037.49            4,351,103,037.49
 支付手续费及佣金的现金                                            207,857,640.52          207,804,574.28      220,804,853.92              220,804,097.42
 支付给职工以及为职工支付的现金                                  3,204,335,600.85      3,198,927,199.57      3,170,157,205.41            3,169,166,280.00
 支付的各项税费                                                  4,669,952,336.83      4,669,753,195.02      3,162,061,738.64            3,162,039,791.21
 支付其他与经营活动有关的现金                                    3,651,892,965.50      3,634,431,127.62      2,096,721,050.78            2,105,642,098.67
   经营活动现金流出小计                                        138,287,714,106.77    138,024,446,516.21     86,962,230,140.26           86,957,963,952.36
  经营活动产生的现金流量净额                       五、49       13,723,857,175.08     13,713,836,980.89      -7,512,073,499.39           -7,520,573,152.34


二、投资活动产生的现金流量:
 收回投资收到的现金                                             32,079,063,712.03     32,079,063,712.03     44,544,516,655.64           44,544,516,655.64
 取得投资收益收到的现金
 处置子公司及其他营业单位收到的现金净额
 收到其他与投资活动有关的现金                                        2,534,936.77            2,534,936.77       15,106,093.93               15,106,093.93
   投资活动现金流入小计                                         32,081,598,648.80     32,081,598,648.80     44,559,622,749.57           44,559,622,749.57
 投资支付的现金                                                 66,467,851,554.34     66,467,851,554.34     60,053,963,977.77           60,053,963,977.77
 购建固定资产、无形资产和其他长期资产支付的现金                  1,006,431,157.00      1,000,111,265.00        840,005,841.32              825,457,532.76
 取得子公司及其他营业单位支付的现金净额
 支付其他与投资活动有关的现金
   投资活动现金流出小计                                         67,474,282,711.34     67,467,962,819.34     60,893,969,819.09           60,879,421,510.53
  投资活动产生的现金流量净额                                   -35,392,684,062.54     -35,386,364,170.54    -16,334,347,069.52          -16,319,798,760.96


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
 其中:子公司吸收少数股东权益性投资收到的现金
 发行债券收到的现金
 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
 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                              1,404,347,902.83      1,404,347,902.83        844,282,440.22              844,282,440.22
 其中:子公司支付少数股东的现金股利
 支付其他与筹资活动有关的现金                                      505,085,071.04          505,085,071.04      469,129,446.58              469,129,446.58
 其中:子公司减资支付给少数股东的现金
   筹资活动现金流出小计                                          1,909,432,973.87      1,909,432,973.87      1,313,411,886.80            1,313,411,886.80
  筹资活动产生的现金流量净额                                     -1,909,432,973.87     -1,909,432,973.87    18,845,277,837.59           18,845,277,837.59


四、汇率变动对现金的影响额                                            -469,156.54             -469,156.54          990,235.53                  990,235.53


五、现金及现金等价物净增加额                                   -23,578,729,017.87     -23,582,429,320.06     -5,000,152,495.79           -4,994,103,840.18
加:期初现金及现金等价物余额                                   125,866,517,509.64    125,773,103,301.61     78,431,423,106.30           78,420,897,416.56


六、期末现金及现金等价物余额                       五、49      102,287,788,491.77    102,190,673,981.55     73,431,270,610.51           73,426,793,576.38
 法定代表人:                                      行长:                                                     财务负责人:
                                                                                      合并股东权益变动表
                                                                                              2012 年 1-6 月
编制单位:华夏银行股份有限公司                                                                                                                                                               单位:人民币元
                                                                                                                            本期金额
                   项目                                                                        归属于母公司股东权益                                                          少数股东           股东权益
                                                 股本             资本公积         减:库存股             盈余公积             一般风险准备         未分配利润        其他      权益              合计
一、2011 年 12 月 31 日余额                 6,849,725,776.00   32,599,699,858.71                         3,305,398,534.82      9,792,940,285.61   11,353,320,230.27          29,038,226.38   63,930,122,911.79
加:会计政策变更                                  ——                ——             ——                    ——                 ——                ——          ——       ——               ——
    前期差错更正                                  ——                ——             ——                    ——                 ——                ——          ——       ——               ——
    其他
二、2012 年 1 月 1 日余额                   6,849,725,776.00   32,599,699,858.71                         3,305,398,534.82      9,792,940,285.61   11,353,320,230.27          29,038,226.38   63,930,122,911.79
三、本期增减变动金额(减少以“-”号填列)                        320,914,953.66                                                                    4,362,805,258.27            -627,997.64    4,683,092,214.29
(一)净利润                                                                                                                                       6,075,236,702.27            -627,997.64    6,074,608,704.63
(二)其他综合收益                                               320,914,953.66                                                                                                                320,914,953.66
上述(一)和(二)小计                                           320,914,953.66                                                                    6,075,236,702.27            -627,997.64    6,395,523,658.29
(三)股东投入和减少资本
1.股东投入资本
2.股份支付计入股东权益的金额
3.其他
(四)利润分配                                                                                                                                    -1,712,431,444.00                          -1,712,431,444.00
1.提取盈余公积
2.提取一般风险准备
3.对股东的分配                                                                                                                                    -1,712,431,444.00                          -1,712,431,444.00
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、2012 年 6 月 30 日余额                  6,849,725,776.00   32,920,614,812.37                         3,305,398,534.82      9,792,940,285.61   15,716,125,488.54          28,410,228.74   68,613,215,126.08
法定代表人:                                                                        行长:                                                          财务负责人:
                                                                                      合并股东权益变动表
                                                                                           2012 年 1-6 月
编制单位:华夏银行股份有限公司                                                                                                                                                       单位:人民币元
                                                                                                                         上期金额
                   项目                                                                     归属于母公司股东权益                                                          少数股东      股东权益
                                                 股本             资本公积         减:库存股          盈余公积             一般风险准备        未分配利润         其他     权益          合计
一、2010 年 12 月 31 日余额                 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
加:会计政策变更
    前期差错更正
    其他
二、2011 年 1 月 1 日余额                   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
三、本期增减变动金额(减少以“-”号填列)   1,859,197,460.00   18,181,115,805.79                                                                3,269,315,269.17                     23,309,628,534.96
(一)净利润                                                                                                                                    4,267,420,932.37                      4,267,420,932.37
(二)其他综合收益                                                -66,327,203.46                                                                                                        -66,327,203.46
上述(一)和(二)小计                                            -66,327,203.46                                                                4,267,420,932.37                      4,201,093,728.91
(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
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
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、2011 年 6 月 30 日余额                  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
 法定代表人:                                                                       行长:                                                       财务负责人:
                                                                                   公司股东权益变动表
                                                                                        2012 年 1-6 月
编制单位:华夏银行股份有限公司                                                                                                                                 单位:人民币元
                                                                                                                   本期金额
                   项目
                                                股本             资本公积             盈余公积           一般风险准备           未分配利润         其他   股东权益合计
一、2011 年 12 月 31 日余额                 6,849,725,776.00   32,599,699,858.71   3,305,398,534.82      9,792,940,285.61      11,362,299,344.51              63,910,063,799.65
加:会计政策变更
    前期差错更正
    其他
二、2012 年 1 月 1 日余额                   6,849,725,776.00   32,599,699,858.71   3,305,398,534.82      9,792,940,285.61      11,362,299,344.51              63,910,063,799.65
三、本期增减变动金额(减少以“-”号填列)                         320,914,953.66                                                4,364,137,401.93               4,685,052,355.59
(一)净利润                                                                                                                    6,076,568,845.93               6,076,568,845.93
(二)其他综合收益                                                320,914,953.66                                                                                 320,914,953.66
上述(一)和(二)小计                                            320,914,953.66                                                6,076,568,845.93               6,397,483,799.59
(三)股东投入和减少资本
1.股东投入资本
2.股份支付计入股东权益的金额
3.其他
(四)利润分配                                                                                                                 -1,712,431,444.00               -1,712,431,444.00
1.提取盈余公积
2.提取一般风险准备
3.对股东的分配                                                                                                                 -1,712,431,444.00               -1,712,431,444.00
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、2012 年 6 月 30 日余额                  6,849,725,776.00   32,920,614,812.37   3,305,398,534.82      9,792,940,285.61      15,726,436,746.44              68,595,116,155.24
 法定代表人:                                                   行长:                                                          财务负责人:
                                                                                   公司股东权益变动表
                                                                                        2012 年 1-6 月
编制单位:华夏银行股份有限公司                                                                                                                               单位:人民币元
                                                                                                                   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         其他   股东权益合计
一、2010 年 12 月 31 日余额                 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
加:会计政策变更
    前期差错更正
    其他
二、2011 年 1 月 1 日余额                   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
三、本期增减变动金额(减少以“-”号填列)   1,859,197,460.00   18,181,115,805.79                                              3,271,645,853.83               23,311,959,119.62
(一)净利润                                                                                                                  4,269,751,517.03                4,269,751,517.03
(二)其他综合收益                                                -66,327,203.46                                                                                -66,327,203.46
上述(一)和(二)小计                                            -66,327,203.46                                              4,269,751,517.03                4,203,424,313.57
(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
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
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、2011 年 6 月 30 日余额                  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
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