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华夏银行(600015)公告正文

华夏银行:2013年半年度报告

公告日期:2013-08-09

  华夏银行股份有限公司

Hua Xia Bank Co., Limited.

  二○一三年半年度报告




      二○一三年八月七日
                                 重要提示


    一、本公司董事会、监事会及董事、监事、高级管理人员保证半年度报告内容
的真实、准确、完整,不存在虚假记载、误导性陈述或重大遗漏,并承担个别和连
带的法律责任。
    二、本公司第六届董事会第十九次会议于 2013 年 8 月 7 日审议通过了《华夏
银行股份有限公司 2013 年半年度报告》及摘要。会议应到董事 17 人,实到董事 15
人。张萌、赵军学董事委托吴建董事长行使表决权。有效表决票 17 票。3 名监事列
席了本次会议。
    三、本公司半年度财务报告未经审计。
    四、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、准确、完整。
    五、本报告包含未来计划等前瞻性陈述,这些前瞻性陈述不构成本公司对投资
者的实质承诺,请投资者注意投资风险。




                                     1
                                                  目       录


第一节 公司简介 ......................................................................................................4

第二节 会计数据和财务指标摘要 ..........................................................................4

第三节 董事会报告 ................................................................................................18

第四节 重要事项 ....................................................................................................28

第五节 股本变动及股东情况 ................................................................................32

第六节 董事、监事、高级管理人员情况 ............................................................35

第七节 财务报告 ....................................................................................................36

第八节 备查文件目录 ............................................................................................36




                                                       2
                              释       义


   在本半年度报告中,除非另有所指,下列词语具有如下涵义。

本集团           华夏银行股份有限公司及所属子公司
本公司、本银行   华夏银行股份有限公司
中国银监会       中国银行业监督管理委员会
中国证监会       中国证券监督管理委员会
上交所           上海证券交易所
SHIBOR           上海银行间同业拆放利率




                                   3
                                 第一节 公司简介



     一、中文名称:华夏银行股份有限公司
           中文简称:华夏银行
           英文名称:Hua Xia Bank Co., Limited
     二、法定代表人:吴建
     三、董事会秘书:赵军学
           证券事务代表:蒋震峰
           联系地址:北京市东城区建国门内大街 22 号华夏银行大厦
           邮政编码:100005
           电      话:010-85238570,85239938
           传      真:010-85239605
           电子信箱:zhdb@hxb.com.cn
     四、股票上市证券交易所:上海证券交易所
           股票简称:华夏银行
           股票代码:600015



                         第二节 会计数据和财务指标摘要

     一、财务数据与指标
    (一)主要会计数据和财务指标
                                                                (单位:人民币百万元)
                                                                          本报告期末比上
                                          本报告期末      上年度期末      年度期末增减
                                                                              (%)
总资产                                        1,507,152       1,488,860               1.23
归属于上市公司股东的所有者权益                   82,100           74,694              9.92
归属于上市公司股东的每股净资产(元/股)            9.22             8.39              9.89
                                                                          本报告期比上年
                                              报告期        上年同期
                                                                          同期增减(%)
营业收入                                         22,207           19,452             14.16
营业利润                                          9,731          8,076               20.49
利润总额                                          9,738          8,093               20.33
归属于上市公司股东的净利润                        7,300          6,076               20.14
归属于上市公司股东的扣除非经常性损益的
                                                  7,295          5,922               23.18
净利润
基本每股收益(元)                                   0.82           0.68               20.59
扣除非经常性损益后的基本每股收益(元)               0.82           0.67               22.39
稀释每股收益(元)                                   0.82           0.68               20.59


                                          4
                                                                                       上升 0.22 个百分
加权平均净资产收益率(%)                                 9.31                   9.09
                                                                                       点
经营活动产生的现金流量净额                            96,967              13,723                 606.60
每股经营活动产生的现金流量净额(元)                   10.89                1.54                 607.14
    注:根据中国证券监督管理委员会《公开发行证券的公司信息披露编报规则第 9 号——净资产收益
率和每股收益的计算及披露(2010 年修订)》的规定,在资产负债表日至财务报告批准报出日之间发生
公积金转增股本,影响发行在外普通股或潜在普通股数量,但不影响所有者权益金额的,应当按调整后
的股数重新计算各比较期间的每股收益。各比较期间的归属于上市公司股东的每股净资产和每股经营活
动产生的现金流量净额按照调整后股数计算。


    按照《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损益 (2008)》
的要求确定和计算非经常性损益,扣除的非经常性损益项目和涉及金额如下:
                                                                                 (单位:人民币百万元)
                        项目                                             2013 年 1-6 月
固定资产处置损益                                                                                 4
其他营业外收支净额                                                                               3
非经常性损益的所得税影响                                                                         2
归属于母公司普通股股东的非经常性损益合计                                                         5

    补充财务比例
        项目                2013 年 1-6 月             2012 年 1-6 月                  2011 年 1-6 月
净利差(%)                                  2.54                       2.59                            2.50
净息差(%)                                  2.70                       2.80                            2.65
注:1、净利差,又名,净利息差,即平均生息资产收益率减平均计息负债付息率。
    2、净息差,又名,净利息收益率,即利息净收入除以平均生息资产。


    (二)报告期利润表附表
    根据《公开发行证券的公司信息披露编报规则第 9 号:净资产收益率和每股收
益的计算及披露(2010 年修订)》规定,计算报告期净资产收益率和每股收益为:
                                    加权平均净资产收益率          每股收益(人民币元/股)
           报告期利润
                                            (%)               基本每股收益    稀释每股收益
归属于公司普通股股东的净利润                        9.31                  0.82            0.82
扣除非经常性损益后归属于公司
                                                        9.31                    0.82                    0.82
普通股股东的净利润

     (三)报告期内股东权益变动情况
                                                                       (单位:人民币百万元)
                                     一般风险                  未分配利 少数股东 股东权益
  项目         股本     资本公积                    盈余公积
                                       准备                        润        权益      合计
期初数          6,850      32,309       12,949         4,585      18,001                  29      74,723
本期增加            -         118            -             -       7,300                 538       7,956
本期减少            -          12            -             -           -                   -          12



                                                5
期末数         6,850         32,415       12,949      4,585      25,301         567        82,667




    二、银行业务数据
    (一)截止报告期末前三年主要会计数据
                                                                    (单位:人民币百万元)
        项目                2013 年 6 月 30 日           2012 年                2011 年
资产总额                                1,507,152             1,488,860               1,244,141
负债总额                                1,424,485             1,414,137               1,180,211
存款总额                                1,092,591             1,036,000                 896,024
其中:企业活期存款                        348,414                353,087                309,828
      企业定期存款                        351,037                338,777                302,302
      储蓄活期存款                         63,526                 60,424                 57,641
      储蓄定期存款                        111,900                100,961                 84,968
      其他存款                            217,714                182,751                141,285
贷款总额                                 772,671                 720,168                611,463
其中:正常贷款                           765,606                 713,829                605,863
      不良贷款                             7,065                   6,339                  5,600
同业拆入                                  55,284                  71,815                 26,958
贷款损失准备                              21,554                  20,307                 17,259


    (二)报告期末资本构成及变化情况
    1、按照《商业银行资本充足率管理办法》计量
                                                                   (单位:人民币百万元)
                                                               2013 年 6 月 30 日
                     项目
                                                          并表                    非并表
资本净额                                                       103,839                   100,619
其中:核心资本                                                   79,454                   78,898
      核心资本扣减项                                                   -                   1,315
      核心资本净额                                               79,454                   77,583
      附属资本                                                   25,355                   25,321
      总扣减项                                                      970                    3,600
风险加权资产及市场风险资本调整                                 941,433                   938,285
资本充足率                                                      11.03%                   10.72%
核心资本充足率                                                   8.44%                    8.27%
注:1、核心资本净额=核心资本-核心资本扣减项
    2、资本净额=核心资本+附属资本-总扣减项

                     项目                           2013 年 6 月 30 日           2012 年
资本充足率(并表)                                               11.03%                    10.85%
核心资本充足率(并表)                                            8.44%                     8.18%
资本充足率(非并表)                                             10.72%                    10.84%
核心资本充足率(非并表)                                          8.27%                     8.18%
    注:根据《商业银行资本管理办法(试行)》(中国银行业监督管理委员会令 2012 年第 1 号)第一


                                                6
百七十四条、第一百七十五条相关规定,“达标过渡期内,商业银行应当同时按照《商业银行资本充足
率管理办法》和本办法计量并披露并表和非并表资本充足率”,并明确相关信息披露内容。以上为根据
《商业银行资本充足率管理办法》计量的并表和非并表口径资本充足率相关数据及信息。

    2、按照《商业银行资本管理办法(试行)》计量
                                                                 (单位:人民币百万元)
                                                             2013 年 6 月 30 日
                    项目
                                                       并表                     非并表
1.总资本净额                                                 102,032                    98,907
1.1:核心一级资本                                             82,567                    82,118
1.2:核心一级资本扣减项                                              -                   2,630
1.3:核心一级资本净额                                         82,567                    79,488
1.4:其他一级资本                                                   1                        -
1.5:其他一级资本扣减项                                              -                       -
1.6:一级资本净额                                             82,568                    79,488
1.7:二级资本                                                 19,464                    19,419
1.8:二级资本扣减项                                                  -                       -
2.信用风险加权资产                                           963,688                   960,620
3.市场风险加权资产                                              7,376                    7,376
4.操作风险加权资产                                            61,212                    61,060
5.风险加权资产合计                                         1,032,276                1,029,056
6.核心一级资本充足率                                           8.00%                    7.72%
7.一级资本充足率                                               8.00%                    7.72%
8.资本充足率                                                   9.88%                    9.61%

9、享受过渡期优惠政策的资本工具:按照《商业银行资本管理办法(试行)》相关规定,商业银
行 2010 年 9 月 12 日以前发行的不合格二级资本工具可享受优惠政策,即 2013 年 1 月 1 日起按年
递减 10%。2012 年末本公司不合格二级资本账面金额为 84 亿元,2013 年起按年递减 10%,报告
期末本公司不合格二级资本工具可计入金额为 75.6 亿元。

    注:1、根据《商业银行资本管理办法(试行)》(中国银行业监督管理委员会令 2012 年第 1 号)第
一百七十四条、第一百七十五条相关规定,“达标过渡期内,商业银行应当同时按照《商业银行资本充
足率管理办法》和本办法计量并披露并表和非并表资本充足率”,并明确相关信息披露内容。以上为根
据《商业银行资本管理办法(试行)》计量的并表和非并表口径资本充足率相关数据及信息。
        2、核心一级资本净额=核心一级资本-核心一级资本扣减项。
        3、一级资本净额=核心一级资本净额+其他一级资本-其他一级资本扣减项。
        4、总资本净额=一级资本净额+二级资本-二级资本扣减项。


    (三)截止报告期末前三年的主要财务指标
      项目(%)       标准值     2013 年 1-6 月          2012 年               2011 年
资产利润率                                    0.49                   0.94                  0.81
资本利润率                                    9.27                  18.46                 18.55
不良贷款率                                    0.91                   0.88                  0.92


                                           7
           人民币                              69.73                    68.62                 66.65
存贷款比 外币                                 112.53                   106.20                 72.24
例         本外币合
           计           ≤75                      70.72                 69.51                 66.72
资产流动 人民币                                   29.58                 33.95                 39.39
性比例     外币                                   46.26                 50.44                 51.28
单一最 大客 户贷款比
                        ≤10
率                                                 5.78                     6.23               4.69
最大十 家客 户贷款比
                        ≤50
率                                             23.68                    27.38                 25.29
拨备覆盖率                                    305.08                   320.34                308.21
贷款拨备率                                      2.79                     2.82                  2.82
成本收入比                                     39.00                    39.95                 41.89
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、单一最大客户贷款比率=最大一家客户贷款总额/资本净额×100%
    4、最大十家客户贷款比率=最大十家客户贷款总额/资本净额×100%
    其中:本报告期,总资本净额根据《商业银行资本管理办法(试行)》(中国银行业监督管理委员会
令 2012 年第 1 号)计算;2012 年以前,资本净额根据《商业银行资本充足率管理办法》(中国银行业
监督管理委员会令 2007 第 11 号)计算。

迁徙率数据列表:
    报告期末,本集团次级类贷款迁徙率比以前年度上升较多,主要是由于采取了
更加严格审慎的分类管理,将部分逾期时间较长、清收化解未取得明显进展的贷款
降级所致。
  项目(%)           2013 年 6 月 30 日                 2012 年                  2011 年
正常类贷款迁徙率                       0.96                          1.83                     1.98
关注类贷款迁徙率                     22.75                          13.70                    18.02
次级类贷款迁徙率                     82.55                          78.28                    55.83
可疑类贷款迁徙率                       6.63                         23.40                    22.26
    注:迁徙率根据中国银监会相关规定计算。
    正常类贷款迁徙率=期初正常类贷款向下迁徙金额/(期初正常类贷款余额-期初正常类贷
款期间减少金额)×100%;关注类贷款迁徙率=期初关注类贷款向下迁徙金额/(期初关注类贷
款余额-期初关注类贷款期间减少金额)×100%;次级类贷款迁徙率=期初次级类贷款向下迁徙
金额/(期初次级类贷款余额-期初次级类贷款期间减少金额)×100%;可疑类贷款迁徙率=期初
可疑类贷款向下迁徙金额/(期初可疑类贷款余额-期初可疑类贷款期间减少金额)×100%。


    (四)报告期分级管理情况及各层级分支机构数量和地区分布情况
    1、分级管理情况概述


                                              8
       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 2013 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、郑州、南昌等城市设立了 34 家一级分行,营业网点达到
505 家,覆盖 74 个地级以上城市。报告期内新增营业网点 30 家。
       2、分支机构基本情况
                                                                               资产规模(人
  机构名称                       营业地址                    机构数   职员数
                                                                               民币百万元)
总行            北京市东城区建国门内大街 22 号                          1413       470,678
北京分行        北京市西城区金融大街 11 号                       55     2311       128,857
南京分行        南京市中山路 81 号                               29     1307        56,858
杭州分行        杭州市庆春路 73 号                               27     1272        54,780
上海分行        上海市浦东南路 256 号                            27      977        29,479
济南分行        济南市纬二路 138 号                              31     1494        51,082
昆明分行        昆明市威远街 98 号                               20      698        44,888
                深圳市福田区深南中路 3037 号南光捷佳大厦
深圳分行                                                         22      757        32,381
                裙楼 1-4 层
沈阳分行        沈阳市沈河区青年大街 51 号                       13      691        20,627
                广州市天河区华夏路 13 号南岳大厦首层、十五
广州分行                                                         19      835        32,496
                至十九层
武汉分行        武汉市武昌区民主路 786 号华银大厦                20      865        41,222
重庆分行        重庆市江北区江北城西大街 27 号                   16      714        67,537
成都分行        成都市武侯区航空路 1 号 1 栋                     17      664        32,575
西安分行        西安市长安北路 111 号                            12      462        22,178
乌鲁木齐分行    乌鲁木齐市东风路 15 号                            7      310        10,983
大连分行        大连市中山区同兴街 25 号                         10      522        49,238
青岛分行        青岛市市南区东海西路 5 号甲 1 层                 20      925        23,822
太原分行        太原市迎泽大街 113 号                            14      781        34,936
温州分行        温州市车站大道神力大厦                           15      628        22,170
                福州市鼓楼区古田支路 1 号华夏大厦(1#、2#
福州分行                                                         10      446        15,206
                裙楼一至五层)
呼和浩特分行    呼和浩特市回民区中山西路 1 号首府广场             9      461        16,642
                天津市河西区宾水道增 9 号环渤海发展中心 E
天津分行                                                         14      507        17,754
                座
石家庄分行      石家庄中山西路 48 号                             23      983        36,505
宁波分行        宁波市江东区和源路 366 号                         7      364        30,042
绍兴分行        绍兴市延安路 260 号                               7      336        13,628


                                               9
 南宁分行        南宁市民族大道 136-2 号华润大厦 B 座                   8     391       27,382
 常州分行        常州市和平北路 162 号                                  8     350       14,530
 苏州分行        苏州工业园区星海街 188 号                            14      546       25,166
 无锡分行        无锡市崇安区新生路 105 号                            13      522       21,172
 长沙分行        长沙市五一路 389 号华美欧国际大厦                      6     287       16,472
 合肥分行        合肥市濉溪路 278 号财富广场 C 座                       4     255       10,145
                 厦门市思明区湖滨南路 62 号建设科技大厦 1-8
 厦门分行                                                               3     172         4,198
                 层
 长春分行        长春市南关区人民大街 4888 号                           3     180       21,941
 郑州分行        郑州市郑东新区商务外环路 29 号 1 层 0101 号            1     183         6,337
 南昌分行        南昌市西湖区中山西路 10 号滨江首府                     1     133         2,755
 总    计                                                             505   23742     1,506,662


      (五)报告期贷款资产质量情况
      1、贷款资产质量情况
      报告期内,受外部经营环境变化影响,本集团资产质量面临较大压力,通过积
 极有效应对经济形势变化、强化信用风险管理、突出重点领域风险防控、加大问题
 贷款清收处置力度等措施,资产质量基本保持稳定。报告期末,本集团不良贷款余
 额 70.65 亿元,比上年末增加 7.26 亿元;不良贷款率 0.91%,比上年末上升 0.03 个
 百分点;关注类贷款余额 103.93 亿元,比上年末增加 4.33 亿元,关注贷款率 1.35%,
 比上年末下降 0.03 个百分点。
                                                                      (单位:人民币百万元)
      五级分类                  金额                 占比(%)          与上年同期相比增减(%)
正常贷款                               755,213                97.74                       15.10
关注贷款                                10,393                 1.35                       18.67
次级贷款                                 1,782                 0.23                     -11.77
可疑贷款                                 3,836                 0.49                       62.54
损失贷款                                 1,447                 0.19                       10.87
合计                                   772,671              100.00                        15.22


      2、重组贷款和逾期贷款情况
      报告期末,本集团重组贷款余额 0.05 亿元,比上年末减少 0.01 亿元。受临时
 性逾期贷款增加,以及受外部经济形势影响部分借款人偿债能力下降等因素影响,
 报告期内本集团逾期贷款余额及占比上升。报告期末,本集团逾期贷款余额 123.08
 亿元,比上年末增加 37.47 亿元,占全部贷款的比例为 1.59%,比上年末上升 0.40
 个百分点。
                                                                      (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                           5,690                   4,669                   0.00


                                             10
    逾期贷款                       8,560,809             12,307,837                  1.59
    注:逾期贷款包括本金或利息已逾期一天或以上的贷款。


    (六)贷款减值准备金的计提和核销情况
                                                               (单位:人民币百万元)
期初余额                                                                           20,307
本期计提                                                                            2,196
本期收回已核销贷款                                                                     54
已减值贷款利息冲转                                                                    146
本期核销                                                                              857
本期转出                                                                                -
期末余额                                                                           21,554
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,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。


    (七)应收利息情况
                                                                  (单位:人民币百万元)
      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                     6,228             671,901           672,368            5,761
    应收利息坏账准备的提取情况:
    报告期内,本集团对应收利息进行检查,不存在减值,因此未计提坏账准备。
    坏账核销程序与政策:
    对符合坏账核销条件的项目,本公司按分行申报、总行审批的程序办理:分行相关部门组织坏账核
销申报、审查,提交分行行长办公会审议同意后上报总行;经总行相关部门审查、提交资产风险处置委
员会审批同意后,进行坏账核销。
    本公司在坏账核销中遵循严格认定坏账核销条件,提供确凿证据,严肃追究责任,逐户、逐级上报、
审核和审批,对外保密,账销案存的原则。坏账核销后,严格落实核销后的管理责任,采取多种手段继
续追索。


    (八)抵债资产
    报告期末,本集团抵债资产账面余额为 33,533.70 万元,其中房产类为 28,748.54



                                           11
 万元,占全部抵债资产的 85.73%;股权类为 1,373.31 万元,占全部抵债资产的 4.10%;
 其他类 3,411.85 万元,占全部抵债资产的 10.17%。
                                                                          (单位:人民币千元 )
                                      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                  287,485                 129,024        332,788               143,730
   土地使用权
   股权                      13,733               13,733        13,935                    13,935
   汽车
   其他                      34,119               34,119        34,588                 34,588
   合计                     335,337              176,876       381,311                192,253


       (九) 持有的金融债券情况
                                                                          (单位:人民币百万元)
                     类别                                                 金额
政策性金融债                                                                                  32,437
商业银行金融债                                                                                 7,630
国际金融公司金融债                                                                                 50
商业银行次级债                                                                                 1,689
保险公司次级债                                                                                 3,100
商业银行混合资本债                                                                                 900
合计                                                                                          45,806

 其中,重大金融债券的情况:
                                                                      (单位:人民币百万元)
                                                                                      计提减值
                                                               年利率
                      类别                            面值                到期日      准备(原
                                                               (%)
                                                                                        币)
 上海浦东发展银行股份有限公司 2012 年第一期金
                                                      4,000          4.2      2017/2/28                  -
 融债券
 2012 年第二期中国民生银行股份有限公司金融债
                                                      1,500        4.39       2017/5/10                  -
 券
 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 年第二十期金融债券                 1,000        3.42      2018/11/25                  -
 国家开发银行 2012 年第三十二期金融债券                 920        4.06        2022/7/9                  -
 国家开发银行 2011 年第二十三期金融债券                 710     R+0.75        2018/4/14                  -
 国家开发银行 2009 年第五期金融债券                     620      S+0.3        2016/6/16                  -
 国家开发银行 2011 年第十九期金融债券                   620     R+0.72        2016/3/30                  -
 国家开发银行 2011 年第二十期金融债券                   620         4.5        2021/4/7                  -
 国家开发银行 2011 年第二十一期金融债券                 610      S-0.15        2016/4/8                  -
 注:R:一年期定期存款利率。
       S:3 个月 SHIBOR 5 日均值。


       (十)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


                                                12

     1、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,实现理财相关手续费收入 10.27 亿元,同比增
加 2.81 亿元,增长 37.67%。
     2、资产证券化业务的开展和损益情况
     不适用
     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。一是代销基金及券商集合计划产品 763
只,累计实现销售额 116.18 亿元,实现代销手续费收入 1,240.27 万元,同比增长 6.24%。
二是代理保险规模保费收入 2,944.32 万元,实现代理保险手续费收入 178.61 万元。取
得保险兼业代理资格的网点达到 428 个,具有保险兼业代理资格的员工达到 1716 名。
     4、托管业务的开展和损益情况
     报告期内,本公司资产托管规模继续保持增长势头。托管证券投资基金、券商集
合计划、银行理财、信托、保险等各类产品合计 526 只,托管规模达到 5,043.29 亿元,
同比增长 27.62%,实现托管手续费收入 23,172.04 万元,同比增长 103.19%。


     (十一)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:人民币百万元)
               项目                         期末                      期初
信贷承诺                                             414,111                373,869
其中:
    不可撤消的贷款承诺                                 1,636                  1,302
    银行承兑汇票                                     316,802                296,998
    开出保函                                          14,000                  9,658
    开出信用证                                        66,274                 50,848
         未使用的信用卡额度                           15,399                 15,063
租赁承诺                                               4,843                  4,155
资本性支出承诺                                           265                  2,692
     上述表外项目对本集团财务状况与经营成果可能会产生影响,其最终结果需由
未来相关事项是否发生来决定。在未来一定条件下,根据或有事项的确认原则,有
可能转化为本集团的现实义务。


     (十二)持有的衍生金融工具情况
                                                               (单位:人民币百万元)
                                                                    公允价值
           类别                  合约/名义金额
                                                               资产          负债
远期合约                                           26,905             99           99
货币掉期                                           59,517             46           52


                                       13
利率互换                                     1,050            6           2
利率期权                                     6,615            -           -
合计                                                        151         153


    (十三)各类风险和风险管理情况
    报告期内,本公司继续深入推进全面风险管理策略,进一步完善风险管理与内
部控制机制,加快推进信用风险统筹管理,持续加强合规运行管理,扎实防控重点
领域风险,各类风险管理基础进一步夯实,各项业务保持了较好发展态势。
    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,对重点行业和业务实施专业审批,并不断扩大专业审批范围;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,面对整体经济增速放缓、银行
信用风险形势复杂严峻的情况,本公司积极有效应对,强化信贷政策研究与指导,
持续提升信贷政策对业务发展的引领和推动力度;深化信贷业务结构调整,以市场
为导向,优化行业和区域信贷结构,加快退出落后产能等高风险企业,以质量管控
为核心,优化客户和业务结构;多策并举,严密盯防,有效防控房地产、政府融资
平台、表外业务及新兴业务等重点领域风险;强化小企业和区域风险管控,严防系
统性风险;加大问题资产清收处置力度,综合运用多种手段提高清收效果,确保信
贷资产质量持续提升;强化授信过程真实性管理,严防过程风险及案件发生。
    (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


                                     14
    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 19,041.74 亿元。其中,表内业务风险敞口 14,900.63
亿元,占比 78.25%;表外业务风险敞口 4,141.11 亿元,占比 21.75%。
    风险集中度。报告期末,本集团最大单一法人客户贷款余额 59.00 亿元,占资
本净额的 5.78%;最大十家单一法人客户贷款余额 241.59 亿元,占资本净额的
23.68%。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。报告期内,本集团各行业贷款质量整体保持稳定,
报告期末,各行业不良贷款率超过全行平均比例(0.91%)的主要是居民服务、修
理和其他服务业(2.39%)、批发和零售业(1.93%)、制造业(1.57%)、住宿和餐饮
业(0.96%)。居民服务、修理和其他服务业以及住宿和餐饮业因总体贷款规模偏小,
不良贷款率较高;受经济下行及区域风险因素影响,批发和零售业、制造业资产质
量压力较大,不良贷款率较高。本集团内各地区不良贷款率超过全行平均比例的是
华东地区(1.46%),主要受经济下行及区域风险形势影响;华北及东北地区、华南
及华中地区、西部地区不良贷款率低于全行不良贷款总体比例。
    (6)2013 年下半年信用风险管理措施。
    2013 年整体信用风险防控任务依然严峻复杂,本公司将积极抓住宏观形势发展
机遇,进一步适应经济结构调整和转型升级要求,加强产业走势与风险形势研判,
坚持有扶有控、有保有压原则,加快调整优化信贷业务行业和客户结构,确保全行
信贷业务的持续健康发展。深入完善信用风险管理机制,加强各授信业务制度流程
的梳理、规范和管理,强化运行过程监控,严守各领域风险防线;以资产质量管控
为核心,扎实推进各项工作,强化小企业贷款信贷风险防控,继续严密防范融资平
台、房地产贷款、落后产能行业、表外业务及新兴业务等重点领域风险;加大问题
资产清收处置力度,严控新增违约贷款,综合运用多种手段,挖掘清收处置潜力,
提高清收处置效果,确保信贷资产质量持续提升。
    2、流动性风险管理
    流动性风险是指商业银行潜在的、无法满足或者无法以合理成本满足资产增长
和到期债务支付的风险。
    本公司高度重视流动性风险管理,不断完善流动性风险管理机制建设。报告期
内,本公司进一步增强流动性风险管理主动性,强化对分行的流动性管理考核和压
力传导机制,提高全行流动性风险意识和应急管理能力。加强资金头寸管理,保证
支付安全。通过价格引导、限额监控管理表内外业务流动性风险,加强客户关系维
护和渠道建设,主动调整优化表内外资产负债结构,对同业业务实行总量和期限控
制,各项资产负债业务发展较为均衡。6 月份市场流动性出现紧张时期,本公司及
时启动流动性应急管理机制,有效确保了全行支付安全,流动性风险总体可控。



                                     15
    报告期末本公司存贷比 70.72%,人民币和外币流动性比例分别为 29.58%、
46.26%,符合监管要求。
    下半年本公司将进一步完善流动性风险管理制度体系,加强市场形势分析和监
测,进一步提高市场敏感度和反应能力。完善备付管理策略,加大资产负债结构调
整力度,加强同业业务管理和期限匹配管理。加强交易对手风险和集中度管理,完
善流动性风险识别、计量、监控指标体系,进而提高流动性风险管理能力和抵御能
力。
       3、市场风险管理
       (1)市场风险管理情况。本公司由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
公司继续强化市场风险整体管控,开展市场风险偏好管理,完善覆盖表内外业务的
弹性限额和限额的分级预警机制。加强分行层面市场风险管理,积极营造市场风险
文化。继续着力市场利率、汇率走势的分析预判,通过市场风险联席会议机制,有
效落实市场风险管控措施。加强市场风险与流动性风险的协调管理,积极应对银行
间市场利率飙升事件。
    (2)利率风险状况。报告期内,本公司持续主动进行货币市场资金运作,加
强期限结构管理。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,积极应对市场利率上行及货币市场利率剧烈波动的风险。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 799.66 亿元,如果利
率曲线整体下移 50BP,未来一年公司净利息收入将增加 2.21 亿元;债券资产余额
(面值)为 1,900.22 亿元,利率敏感性指标(PV01)为 11,161.89 万元人民币,平
均待偿期限为 9.55 年,平均久期 5.84 年。
    (3)汇率风险状况。报告期内,本公司密切关注外围市场经济环境、人民币
汇率改革进展,持续加强外汇敞口及限额管理,有效控制总体汇率风险。报告期末,
本公司累计外汇敞口头寸占资本净额的 4.09%,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 8,099.04 万人民币。
    4、操作风险管理
    报告期内,本公司着力提升操作风险管控能力,加快推进业务连续性和外包风
险管理建设,促进业务平稳发展,操作风险管理运行情况良好。
    完善操作风险识别机制。按照监管指引统一识别操作风险,增加对产品业务的
持续风险识别流程,强化业务系统信息科技风险识别要求。完善关键风险指标监测
体系,扩大监测范围,指标增加到 44 项指标,做到每个专业条线均有监测指标。
    加强重点业务领域风险评估。紧密围绕业务发展热点领域,针对理财及相关业
务和个人网上银行业务,采取绘制交易流程图和实地验证的方式,系统查找流程设



                                     16
计和业务操作的薄弱环节,提出优化完善建议,有效管控业务发展过程中的风险。
    推进业务连续性和外包风险管理工作的开展。成立业务连续性管理委员会,印
发了《华夏银行外包风险管理办法》。
    深化操作风险管理文化建设。开展基础知识培训、反欺诈专题评估、座谈和 “自
我教育活动”等形式多样的操作风险培训和教育,提升操作风险管理水平。
    5、其他风险管理
    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,健全国别风险管理制度,各专业部门有序开展国别风险管理工作。继续开
展国别风险识别、监测、计量、控制和监管报表上报等工作。报告期内,持续监测
欧美主要国家信用评级情况。报告期末,本公司已授信国家(地区)的国别风险评
级,除南非(中等风险)外均在较低风险及以下等级,已计提国别风险拨备折人民
币 3,976.04 万元,符合监管要求。
    内控合规风险管理:本公司推动《全面内控建设规划》和《内部控制手册》落
实,建立内控合规风险联席会议机制,发挥风险管理与内部控制委员会作用,完善
内部控制体系建设。本公司以合规、简明、可操作为重点,优化制度管理体系,推
动合规管理系统建设,加强专业检查统筹管理,组织开展季度专业检查,总行专业
检查分行覆盖面达到 94.1%。
    信息科技风险管理:本公司高度重视信息科技风险,以建设异地灾备中心、加
强数据中心机房安全运行管理、实施总分行生产主机和网络升级改造为重点,不断
夯实基础设施平台;全面执行信息系统安全等级保护,持续推广“三网隔离”和桌
面安全管控系统,深入开展生产系统数据库专项风险排查活动,信息科技风险防御
能力进一步增强。
    声誉风险管理:本公司持续加强声誉风险管理,开展全行声誉风险排查,完善
舆情监测手段,开展舆情风险应急演练,强化全体员工的声誉风险意识,进一步提
升声誉风险处置能力。


    (十四)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
情况的说明
    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,
进一步完善管理办法、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 153 项。同时,
本公司在完成 2012 年度内控规范实施工作的基础上,深入落实《全面内控建设规
划》(2013-2016 年),组织《内部控制手册》在全行落地实施,进一步完善内部控
制体系,提高流程的运行效率,确保内部控制制度的完整性、合理性和有效性。



                                     17
    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:组织全行开
展不相容岗位职责分离、轮岗、强制休假、授权等内控措施的执行情况和关键岗位
员工异常行为排查要求的落实情况检查;组织全行业务印章管理、票据和理财业务
专项检查;组织各业务部门开展联合专业检查等,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,内部控制制度得到了全面、有效执行。



                                第三节 董事会报告

       一、财务状况分析与讨论
    报告期内,本公司全力实施“中小企业金融服务商”战略,加快经营转型,强
化规范运营,提升服务质效,着力打造“华夏服务”品牌,不断提高服务实体经济
的能力,积极推进各项工作,取得了良好的经营成果。
    (一)总体经营状况分析
    1、盈利能力稳步增长
    报告期末,本集团总资产规模达到 15,071.52 亿元,比年初增加 182.92 亿元,
增长 1.23%;归属于母公司股东的净利润 73 亿元,同比增加 12.24 亿元,增长 20.14%。
实现中间业务收入 33.08 亿元,同比增加 9.81 亿元,增长 42.16%,高于净利息收入
增速 30.81 个百分点;资产利润率 0.49%,比上年同期提高 0.04 个百分点。盈利能
力提升主要得益于存贷款规模稳步增长、成本费用水平持续下降和非利息收入的增
长。
   2、业务结构不断完善
    一是完善资产负债结构,促进存款日均稳定增长,加强资产负债期限匹配管理,
实现了全行流动性平稳运行。二是不断优化收入结构,推动产品多元化,中间业务
收入占比达 14.90%,同比提高 2.94 个百分点。三是严格执行全面预算管理和全面
成本管理,成本收入比 39%,同比下降 1.57 个百分点。
   3、营销机制建设和客户服务工作取得积极进展
   一是深化营销机制建设推广工作,积极推进营业网点转型。二是推进客户倍增
和客户提升工作,加强营销服务的组织推动,通过实施针对性的营销策略、细化客
户分类开发、加强客户经理管理和组织等措施,实现客户数量和质量双提升。三是
加快研发推出适应市场需求的新产品和个性化功能,大力营销推广重点业务和重点
产品,“平台金融”服务小企业客户数量比年初增长 147%。
   4、全面风险管理稳步推进
    一是形成了以总行年度风险策略为核心、区域风险策略为补充的风险策略管理
体系。二是持续加强信贷运行管理,强化问题贷款项目管理,加大清收化解力度。


                                       18
     三是不断完善内控合规体系建设,深入推进案防廉防体系建设。四是全面推进信息
     科技建设,加强系统安全运行管理,强化业务连续性管理与建设。
          5、小企业业务稳健发展
          报告期内,本公司实施“中小企业金融服务商”战略,以 “平台金融”创新优势
     带动小企业业务稳健发展。报告期末,小企业客户总量超过 21 万户,贷款客户超
     过 1.70 万户,贷款余额超过 1500 亿元,增量高于上年同期,增速高于全部贷款增
     速 7.90 个百分点,实现了“两个不低于”的工作目标。持续提升本公司小企业品牌体
     系“龙舟计划”服务效能:推广“年审制”贷款缓解 “转贷难、融资贵”;研发“创业贷”
     产品支持民生促进就业;细化“网络贷”系列,推出国内电子保理等 7 类子产品,适
     应企业不同需求。本公司同业首推的“平台金融”业务模式初具规模。报告期末,平
     台客户接近 150 个,类型涉及核心企业、电商、大宗商品交易平台、市场商圈、物
     流等;服务小企业超过 5000 户;累计交易超过 8 万笔,平均每笔交易金额 3.50 万
     元;平均每笔贷款发放金额 21 万元,平均每笔还款金额 11 万元,体现其“小、快、
     灵”的优势。
          6、中间业务保持良好发展
          报告期内,本公司实现中间业务收入 33.08 亿元,同比增长 42.16%。国际业务
     客户群体进一步扩大,贸易融资授信客户突破 6200 户,较年初增长 23%。国际业
     务产品体系进一步丰富和完善,大力发展进口信用证、跨境人民币结算、出口双保
     理、福费廷等重点产品,国际结算量同比增速 16.25%,市场份额较上年年末提高
     0.39 个百分点。本公司在《贸易金融》杂志和中国贸易金融网联合举办的 2012 年度
     中国外经贸企业最信赖的金融服务商评选中,荣获“2012 年度最佳国际业务银行”
     奖项。资产托管规模继续保持增长势头,托管证券投资基金、券商集合计划、银行
     理财、信托、保险等各类产品合计 526 只,托管规模达到 5,043.29 亿元,同比增长
     27.62%,实现托管手续费收入 23,172.04 万元,同比增长 103.19%。积极推动债务融
     资工具承销、资产管理等投资银行业务发展,报告期内承销非金融企业债务融资工
     具项目 45 个,承销规模超过 560 亿元。理财业务快速发展,实现理财相关手续费收
     入 10.27 亿元,同比增长 37.67%。


          (二)主营业务分析
          1、主要财务指标增减变动幅度及其原因
                                                                     (单位:人民币百万元)
         主要财务指标            报告期末     较上年度期末(%)              主要原因
总资产                            1,507,152              1.23   贷款等资产业务增长
总负债                            1,424,485              0.73   存款等负债业务增长
归属于上市公司股东的所有者权益       82,100              9.92   净利润增加
         主要财务指标             报告期       较上年同期(%)                 主要原因


                                              19
营业收入                                22,207                 14.16     业务规模增长、收入增加
营业利润                                 9,731                 20.49     业务规模增长、资产盈利能力提高
归属于上市公司股东的净利润               7,300                 20.14     业务规模增长、资产盈利能力提高
现金及现金等价物增加额                  99,167                520.57     现金及现金等价物增加

            2、会计报表中变动幅度超过 30%以上的项目的情况
                                                                                   (单位:人民币百万元)
       主要会计项目            报告期末             较上年度期末(%)                  主要原因
买入返售金融资产                     155,345                    -35.03    买入返售金融资产减少

应收融资租赁款                                               本期新增     新增金融租赁公司融资租赁款
                                       2,268
投资性房地产                               -                   -100.00    投资性房地产减少
其他资产                               4,447                     50.95    其他资产增加
向中央银行借款                             20                   -33.33    村镇银行向央行借款减少
卖出回购金融资产款                    71,790                     51.39    卖出回购业务增加
其他负债                               5,522                     36.65    其他负债增加
未分配利润                            25,301                     40.55    净利润转入
少数股东权益                              567                 1,855.17    少数股东权益增加
       主要会计项目             报告期              较上年同期(%)                    主要原因
手续费及佣金收入                       3,190                     44.54    中间业务增长、收入增加
投资收益/(损失)                            10                   211.11    差价损益增加
公允价值变动收益/(损失)                   -39                  -126.35    公允价值变动
营业外收入                                 19                   -32.14    营业外收入减少
少数股东损益                               -2                  -100.00    少数股东损益变动


             3、利润表主要项目分析
             (1)利息收入
                                                                          (单位:人民币百万元)
                                         2013 年 1-6 月                       2012 年 1-6 月
                  项目
                                     余额          占比(%)              余额          占比(%)
     对公贷款和垫款                      20,601          56.58                19,579          53.23
     个人贷款和垫款                       3,204               8.80             2,375                6.46
     票据贴现                              324                0.89               37                 0.10
     买入返售金融资产                     4,987              13.69             8,699               23.65
     债券利息收入                         3,993              10.97             2,985                8.11
     存放中央银行                         1,622               4.45             1,384                3.76
     存放同业                             1,135               3.12             1,414                3.84
     拆出资金                              543                1.49              311                 0.85
     应收融资租赁款                             2             0.01                 -                   -
     合计                                36,411             100.00            36,784              100.00


             (2)利息支出

                                                     20
                                                                   (单位:人民币百万元)
                                    2013 年 1-6 月                       2012 年 1-6 月
            项目
                                余额                占比(%)        余额            占比(%)
吸收存款                          11,333                  65.64         10,428                53.23
同业存放                            4,209                 24.38          4,396                22.44
卖出回购金融资产款                      798                4.62          3,867                19.74
拆入资金                                680                3.94               362              1.85
发行债券                                211                1.22               526              2.68
其他                                     35                0.20                11              0.06
合计                              17,266                 100.00         19,590               100.00


        (3)手续费及佣金收入
                                                                     (单位:人民币百万元)
                                       2013 年 1-6 月                       2012 年 1-6 月
              项目
                                 余额                占比(%)         余额           占比(%)
 信贷承诺                                692               21.69               666             30.18
 顾问和咨询业务                          139                4.36                87              3.94
 代理业务                                599               18.78               139              6.30
 理财业务                               1027               32.19               746             33.80
 托管及其他受托业务                      236                7.40               114              5.17
 银行卡                                  206                6.46               160              7.25
 结算与清算业务                           22                0.69                23              1.04
 其他                                    269                8.43               272             12.32
 合计                                  3,190              100.00            2,207             100.00


        (4)业务及管理费
                                                                   (单位:人民币百万元)
                                       2013 年 1-6 月                       2012 年 1-6 月
              项目
                                 余额               占比(%)          余额           占比(%)
 员工费用                              4,937               57.00            4,731              59.94
 业务费用                              3,202               36.97            2,642              33.47
 折旧及摊销                             522                 6.03               520              6.59
 合计                                  8,661              100.00            7,893             100.00


        4、资产和负债情况分析
        (1)贷款投放情况
         按行业划分的贷款分布情况
        报告期内,本集团认真贯彻国家宏观调控政策、监管政策要求,积极推动和引
 导信贷资源在重点领域、实体经济及优势行业的配置,持续调整控制产能过剩等受
 宏观调控影响较大、风险较高行业的贷款占比,基本实现了行业信贷结构的均衡增

                                               21
  长与优化。
                                                                         (单位:人民币百万元)
                                                  期末                             期初
 行业分布
                                         账面余额      比例(%)           账面余额     比例(%)
 制造业                                    208,764         27.01             202,638        28.14
 批发和零售业                               118,026           15.28           112,267      15.59
 房地产业                                    72,195           9.34                68,032    9.45
 租赁和商务服务业                            58,343           7.55                52,679    7.31
 建筑业                                      57,115           7.39                52,430    7.28
 交通运输、仓储和邮政业                      43,484           5.63                45,147    6.27
 电力、热力、燃气及水生产和供应业            23,074           2.99                23,926    3.32
 采矿业                                      22,073           2.86                22,704    3.15
 其他对公行业                                41,256           5.34                37,073    5.15
 票据贴现                                     7,120           0.92                 2,605    0.36
 个人贷款                                   121,221           15.69           100,667      13.98
 合计                                       772,671               100         720,168        100


         按地区划分的贷款投放情况
                                                                        (单位:人民币百万元)
                                     期末                                     期初
         地区分布
                          账面余额          比例(%)             账面余额         比例(%)
  华北及东北                  266,104              34.44              250,050             34.72
  华东                        238,072              30.81                224,428            31.16
  华南及华中                  156,817              20.30                140,345            19.49
  西部                         111,678             14.45                105,345            14.63
  合计                        772,671                  100              720,168              100


         前十名客户贷款情况
         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 241.59
  亿元,占期末贷款余额的 3.13%,占资本净额的 23.68%,控制在监管要求之内。
                                                                         (单位:人民币百万元)
                                            余额                               占比(%)
前十名贷款客户                                           24,159                              3.13


         贷款担保方式分类及占比
         报告期内,本集团持续优化贷款担保结构,重视增加抵质押品等对贷款的风险
  缓释措施,信用贷款余额占比继续下降,抵质押贷款占比继续提高。
                                                                       (单位:人民币百万元)
                                     期末                                   期初
  担保方式
                          账面余额          占比(%)              账面余额      占比(%)
  信用贷款                     111,212                14.39                111,247         15.45



                                             22
 保证贷款                     254,512                     32.94                 233,980         32.49
 附担保物贷款                 406,947                     52.67                 374,941         52.06
 其中:抵押贷款               306,526                     39.67                 263,213         36.55
         质押贷款             100,421                     13.00                 111,728         15.51
 合计                         772,671                    100.00                 720,168        100.00


        (2)主要贷款及利率情况
                                                                            (单位:人民币百万元)
              类别                            平均余额                            平均利率(%)
一年以内短期贷款                                           418,274                                6.28
中长期贷款                                                 332,093                                6.54
合计                                                       750,367                                6.39
       注:一年以内短期贷款包括贴现。


        (3)主要存款及利率情况
                                                                      (单位:人民币百万元)
          类别                账面余额                       平均余额             平均利率(%)
 企业活期存款                           348,414                           320,982                    0.76
 企业定期存款                           568,751                           560,683                    2.99
 储蓄活期存款                            63,526                            52,019                    0.38
 储蓄定期存款                           111,900                           107,927                    3.03
 合计                               1,092,591                         1,041,611                      2.18


        (三)按照业务或地区经营情况分析
        1、业务收入变动情况
                                                                                  (单位:人民币百万元)
         业务种类         2013 年 1-6 月       所占比例(%)              2012 年 1-6 月 较上年同期(%)
 贷款利息收入                     24,129                    60.79                   21,991           9.72
 拆放同业利息收入                       543                  1.37                     311         74.60
 存放中央银行款项利息
 收入                              1,622                     4.09                    1,384        17.20
 存放同业利息收入                  1,135                     2.86                    1,414       -19.73
 债券投资利息收入                  3,993                    10.06                    2,985        33.77
 手续费收入                        3,190                     8.04                    2,207        44.54
 其他业务                          5,078                    12.79                    8,958       -43.31
 合计                             39,690                   100.00                   39,250           1.12

        2、按照地区划分分析
                                                                                (单位:人民币百万元)
               地区                            营业收入                               营业利润
 华北、东北地区                                                   9,997                           4,397
 华东地区                                                         5,485                           1,674


                                                 23
华中、华南地区                                      3,262                        1,443
西部地区                                            3,463                        2,217
合计                                                22,207                       9,731


       (四)核心竞争力分析
       本公司报告期内按照新的发展规划纲要总体部署和目标要求,坚定实施“中小
企业金融服务商”战略,进一步深化体制机制建设,重点打造资本运营能力、客户
服务能力、创新发展能力、风险管理能力、综合调控能力、科技支撑能力和文化保
障能力等方面的核心竞争力,加快经营转型,强化规范运营,提升服务质效,努力
形成具有本行特色、持续健康发展的竞争优势。报告期内在打造全行核心竞争力方
面,重点采取了以下措施:
       一是确立“三中”战略定位。公司业务以中小企业客户为主要客户群体,零售
业务以中等收入客户为主要客户群体,机构建设重点发展中等城市并向中西部地区
倾斜,开始形成自身经营特色和区域专业经营优势。
       二是加大产品研发创新。以满足客户实际需求为重点,切实发挥各级产品研发
机构作用,在规范产品研发和运作方式的基础上,提高产品研发产出和实际成效。
持续加强产品和业务品牌建设,不断完善和丰富产品及功能,着力扩大使用产品的
客户群。
       三是提升网点服务功能。加快网点经营转型,完善小企业“专业化经营、系统
化管理”体制,推行“平台金融”业务模式,创新中小企业金融服务方式。大力推
进小型特色支行和示范网点建设工作,加强网点社区营销等模式的培训和推广,发
动全行广大员工服务全行广大客户群体,做实“网点竞争力提升项目”工作,加强
单产达标评价的结果运用,促进支行点均、人均单产水平提升。
       四是强化风险内控统筹管理。建立健全全面风险管理及内控管理体系,加强信
贷运行统筹管理及过程管控,加强市场风险、操作风险和流动性风险管理,并将 IT、
声誉等风险纳入统筹管理,实现公司、小企业、个人、金融市场等等条线表内外业
务运行有序,内控有效,促进风险管控与业务发展的协调统一。


       (五)投资状况分析
       1、对外股权投资的情况
       (1)公司持有其他上市公司发行的股票情况
                                                               (单位:人民币元)
                               占该公
                                                             报告期所
证券代     证券简   初始投资   司股权    期末账面   报告期              会计科   股份
                                                             有者权益
码         称       金额       比   例   价值       收益                目核算   来源
                                                             变动
                               (%)



                                         24
                                                                                             长期股   会费
      V          Visa Inc.   1,296,655     0.0003        511,146        8,104           -
                                                                                             权投资   转股

          (2)公司持有非上市金融企业、拟上市公司股权的情况
                                                                                            (单位:人民币元)
                                                    占该
                                                                                       报告期
                                                    公司                        报告
                     初始投资金      持股数量                 期末账面价               所有者      会计科    股份
  持有对象名称                                      股权                        期收
                         额          (股)                       值                   权益变      目核算    来源
                                                    比例                        益
                                                                                         动
                                                    (%)
                                                                                                             自有
中国银联股份有限                                                                                   长期股
                       81,250,000     62,500,000     2.13          81,250,000      -           -             资金
公司                                                                                               权投资
                                                                                                             入股
                                                                                                             自有
北京大兴华夏村镇                                                                                   长期股
                      100,000,000    100,000,000     100       100,000,000         -           -             资金
银行有限责任公司                                                                                   权投资
                                                                                                             入股
                                                                                                             自有
昆明呈贡华夏村镇                                                                                   长期股
                       35,000,000     35,000,000         70        35,000,000      -           -             资金
银行股份有限公司                                                                                   权投资
                                                                                                             入股
                                                                                                             自有
四川江油华夏村镇                                                                                   长期股
                       35,000,000     35,000,000         70        35,000,000      -           -             资金
银行股份有限公司                                                                                   权投资
                                                                                                             入股
                                                                                                             自有
华夏金融租赁有限                                                                                   长期股
                    2,460,000,000   2,460,000,000        82   2,460,000,000        -           -             资金
公司                                                                                               权投资
                                                                                                             入股
          注:本集团以上长期股权投资采用成本法核算,除取得投资时实际支付的价款或对价中包
      含的已宣告但尚未发放的现金股利或利润外,被投资单位宣告分派的现金股利或利润,确认为
      投资收益计入当期损益。
          2、募集资金使用情况
           不适用
          3、主要子公司、参股公司情况
           (1)北京大兴华夏村镇银行有限责任公司
           该行 2010 年 12 月开业,注册资本 10,000 万元,本公司持股 100%。报告期末,
      该行资产总额 64,352.35 万元,净资产 9,745.00 万元;存款余额 51,073.79 万元,同
      比增长 17.36%;贷款余额 39,340.28 万元,同比增长 223.84%;报告期实现净利润
      58.30 万元,各项业务发展良好。
           (2)昆明呈贡华夏村镇银行股份有限公司
           该行 2011 年 9 月开业,注册资本 5,000 万元,本公司持股 70%。报告期末,该
      行资产总额 26,564.41 万元,净资产 5,044.92 万元;存款余额 15,134.37 万元,同比
      减少 34.97%;贷款余额 19,650.88 万元,同比增长 12.23%;报告期实现净利润 325.07
      万元,各项业务发展良好。
           (3)四川江油华夏村镇银行股份有限公司


                                                    25
    该行 2011 年 12 月开业,注册资本 5,000 万元,本公司持股 70%。报告期末,
该行资产总额 29,810.39 万元,净资产 5,110.35 万元,存款余额 24,700.04 万元,同
比增长 26.59%,贷款余额 15,042.92 万元,同比增长 90.05%;报告期实现净利润
358.17 万元,各项业务发展良好。
    (4)华夏金融租赁有限公司
    该公司 2013 年 5 月开业,注册资本 30 亿元,本公司持股 82%。报告期,该公
司资产总额 33.01 亿元,负债总额为 3.15 亿元,净资产 29.87 亿元,实现利润-1,330.93
万元,正在积极准备开展相关业务。
    4、重大非募集资金投资情况
    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。


    二、利润分配方案、资本公积转增股本方案执行情况
    本公司 2012 年度利润分配方案和资本公积转增股本方案已经 2012 年度股东大
会通过,具体实施情况如下:
    利润分配:以 2012 年末总股本 6,849,725,776 股为基数,按每 10 股派发现金红
利 4.70 元(含税),分配现金股利 3,219,371,114.72 元。
    资本公积转增股本:以 2012 年末总股本 6,849,725,776 股为基数,按照每 10 股
转增 3 股,将资本公积转增股本,转增股本 2,054,917,733 股。转增后公司总股本为
8,904,643,509 股。
    本公司 2012 年度利润分配和资本公积转增股本的股权登记日为 2013 年 7 月 23
日,除息日为 2013 年 7 月 24 日,新增无限售条件流通股份上市日为 2013 年 7 月
25 日,现金红利发放日为 2013 年 7 月 30 日。公告刊登于 2013 年 7 月 18 日的《中
国证券报》、《上海证券报》、《证券时报》及上交所网站。
    本公司不进行半年度利润分配。


    三、经营中的问题与困难
    目前,全球经济低速增长态势还在延伸,国内经济增速持续下滑,经济发展中
的不平衡、不协调、不可持续等问题较多,给本公司经营管理带来诸多考验。
    一是经济环境仍然错综复杂,区域和行业风险增大,部分行业企业经营不景气,
银行面临的信用风险持续上升,资产质量管理压力不断增加。
    二是利率市场化逐步深化,金融脱媒趋势更加明显,一方面对银行利润增长及
业务空间形成挤压,另一方面也加剧了市场流动性的变化,对银行的流动性安全运
行带来了新的考验。
    三是监管标准的逐步完善对银行经营管理提出了更高、更严的要求,近年出台
的一系列监管政策,在促进银行规范发展、加快经营转型的同时,也使银行加大了


                                       26
在资本补充和业务拓展等方面的压力。


   四、下半年经营情况展望
    下半年,本公司认真执行各项监管政策和要求,有效落实年初工作会议部署,
积极推进各项经营管理工作,确保完成全年各项经营任务。
    (一)持续推进经营转型,加快结构调整步伐
     — 深化落实客户开发服务过程管理,优化调整客户结构。一是继续加强中小
企业和个人客户的开发服务,做好基础性、综合性金融服务。二是大力发展新兴业
务,完善新兴业务和传统业务相结合的金融服务。三是积极推进“客户倍增计划”,
加强联动营销,优化存量客户结构,扩大客户总量。
    — 切实加强经营发展统筹管理,优化调整资产负债结构。一是加强表内、外
业务发展的统筹管理,综合考虑收益、风险和流动性的管理,严格杠杆倍数管理。
二是加强贷款调控管理,稳妥退出低质信贷资产,积极探索资产证券化。三是加强
资金组织与调度,强化存款结构调整,有效置换高成本资金。
    — 全力做好降本增效工作,优化调整成本收入结构。一是强化存、贷款定价
管理,努力扩大利差收入。二是加强市场化业务调控和统筹,平衡好资金流动性和
收益。三是采取适度从紧的债券投资策略,增加投资及资金净收入。四是推进全面
成本管理,加强资产负债管理和全面预算管理,有效控制资金成本和费用成本。
    — 继续实施分行差异化管理,持续打造经营特色。一是深化营销机制建设推
广工作,继续探索和完善营销机制的创新和推广路径,以工作实效推动经营发展。
二是深化分行差异化管理,强化对分行加快经营发展、形成经营特色的正向引导和
推动,有针对性的支持特色鲜明的分行扩大竞争优势。
    (二)进一步加强风险管理,确保安全稳健运营
    — 强化流动性风险管理。进一步提高负债来源的稳定性,合规开展同业业务。
完善资金和流动性管理机制和制度建设,提高动态调控能力,优化资产负债期限结
构匹配。
    — 加强信用风险管理。扎实贯彻落实信用风险统筹管理方案,全面完善信用
风险统筹管理体系和流程,确保公司信用风险得到有效控制。加强信贷运行管理,
着重加强对重点区域、业务和行业的资产质量管理,切实把好信贷准入关。加强授
信合规管理,做好贷后管理和检查,加强风险预警管理,严控新增不良。
    — 加强重点风险管理。强化市场风险管理,关注宏观政策趋势,研判主要市
场走势,积极应对市场波动风险。加强操作风险管理,积极推进业务连续性管理。
    (三)持续提升服务质效,深入打造“华夏服务”品牌
    — 不断推进“华夏服务”品牌建设,持续深化营业网点文明规范服务。将服



                                     27
务意识贯穿于业务发展与经营管理中,通过产品做好服务,“以客户为中心”进行
服务,通过提升服务质效实现业务发展。
    — 深化产品研发创新,加强营销服务能力。进一步加大新产品的营销推广力
度,不断优化主打产品,推动成熟项目尽快实施。加强产品风险管控,做实产品风
险评估和结果运用。
    — 加强服务渠道建设,有力支撑业务发展。推动网点转型和网点竞争力提升
工作,进一步优化网点布局和服务功能,积极探索研究智能化银行的建设。稳步推
进华夏金融租赁公司、村镇银行的运营发展。

                               第四节 重要事项

    一、公司治理情况
    (一)关于股东和股东大会
    报告期内,本公司召开了 1 次股东大会,相关决议公告刊登在 2013 年 6 月 19
日的《中国证券报》、《上海证券报》、《证券时报》和上交所网站。
    (二)关于董事和董事会
    报告期内,本公司召开了 3 次董事会会议,相关决议公告分别刊登在 2013 年 4
月 2 日和 4 月 26 日的《中国证券报》、《上海证券报》、《证券时报》和上交所网站。
各位董事认真出席董事会及专门委员会会议并审议各项议案,勤勉尽职行使权利、
履行相应的义务,不断健全董事会的决策机制。
    (三)关于监事和监事会
    报告期内,本公司召开了 3 次监事会会议,相关决议公告分别刊登在 2013 年 4
月 26 日和 5 月 24 日的《中国证券报》、《上海证券报》、《证券时报》和上交所网站。
各位监事认真出席监事会及专门委员会会议并审议各项议案,勤勉尽职行使权利、
履行相应的义务,不断完善监事会的监督检查机制。
    (四)关于信息披露与投资者关系管理
    报告期内,本公司按照上交所股票上市规则及相关信息披露规定,真实、准确、
完整、及时地披露了各类定期报告和临时报告。报告期内本公司共披露定期报告 2
项、临时报告 10 项。本公司进一步深化投资者关系管理工作。通过电话、传真、
邮件等形式,保持与投资者的日常联络和沟通;通过举办投资者、分析师见面会和
开展分析师专项调研等活动,进一步增进了市场对本公司的了解,提高了投资者对
本公司的价值认同感。


    二、重大诉讼、仲裁事项和媒体普遍质疑的事项
    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和媒体普遍


                                       28
质疑的事项。截至报告期末,本公司存在人民币 1,000 万元以上的未决诉讼案件 135
件,涉及标的人民币 405,786.43 万元,其中作为被告的未决诉讼案件 3 件,涉及标
的人民币 10,336.80 万元。报告期内,本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。


   三、收购及出售资产、吸收合并事项
    报告期内,本公司无重大资产收购及出售、吸收合并事项。


    四、重大关联交易事项
    (一)持股5%及5%以上股份股东的贷款情况
    报告期末,本公司向持有公司5%及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)     2013 年 6 月末贷款余额     2012 年末贷款余额
   首钢总公司        1,388,851,181                  5,900,000             5,900,000
    (二)重大关联交易情况
    1、报告期末,本公司持股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              2013 年 6 月末贷款余额     占贷款总额比例(%)
   首钢总公司                                      5,900,000                 0.76%
   北京首钢特殊钢有限公司                           118,000                  0.02%
   巴州凯宏矿业有限责任公司                         240,000                  0.03%
   首钢贵阳特殊钢有限责任公司                       600,000                  0.08%
   通化钢铁股份有限公司                              50,000                  0.01%
   库车县天缘煤焦化有限责任公司                      95,000                  0.01%
   吉林省电力有限公司                               200,000                  0.03%


    2、报告期末,本公司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13.5亿元。
    3、报告期末,本公司向首钢总公司开立非融资保函余额 2,443.96 万元(扣除
保证金存款、质押存单及国债金额),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 1,687.52 万元(扣除保证金存款、质押
存单及国债金额)。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(扣除保证金存款、质押存单及国债金额),向首钢总公司关联公


                                         29
司山东首钢钢铁贸易有限公司开立银行承兑汇票 6,375 万元(扣除保证金存款、质
押存单及国债金额),向国网英大国际控股集团有限公司关联公司吉林省电力有限
公司开立银行承兑汇票 1000 万元(扣除保证金存款、质押存单及国债金额),向国
网英大国际控股集团有限公司关联公司中能(大连)煤业有限公司开立银行承兑汇
票 3000 万元(扣除保证金存款、质押存单及国债金额),向国网英大国际控股集团
有限公司关联公司山东鲁能智能技术有限公司开立银行承兑汇票 888.28 万元(扣除
保证金存款、质押存单及国债金额)。向首钢总公司关联公司通化钢铁集团进出口
有限公司开立信用证余额折合人民币 19,669.59 万元(扣除保证金存款、质押存单
及国债金额),向国网英大国际控股集团有限公司关联公司国家电网公司开立信用
证余额折合人民币 4,858.95 万元(扣除保证金存款、质押存单及国债金额)。德意
志银行股份有限公司关联公司德意志银行(中国)有限公司授信项下资金交易类业
务用信余额折合人民币 15,355.25 万元。向红塔烟草(集团)有限责任公司发放贷
款余额 2 亿元,占贷款总额比例为 0.03%,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余额 2.90 亿元,占贷款总额比例为
0.04%。
    4、报告期末,本公司向关联公司发放的贷款余额为人民币 77.08 亿元,占本公
司贷款总额的 1.00%。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。
   (三)关联交易管理情况、定价原则和依据
   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,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。


   五、重大合同及其履行情况
   (一)重大托管、承包、租赁事项
   报告期内,本公司无重大托管、承包、租赁其他公司资产或其他公司托管、承
包、租赁本公司资产的事项。
   (二)重大担保
   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。
    (三)其他重大合同



                                    30
     报告期内,本公司无重大合同纠纷发生。


     六、承诺事项履行情况
     (一)报告期内,本公司或持有本公司 5%以上的股东没有做出对本公司经营
成果、财务状况可能产生重大影响的承诺事项。
     (二)本公司股东首钢总公司、国网英大国际控股集团有限公司和德意志银行
卢森堡股份有限公司承诺自 2011 年本公司非公开发行股份交割之日起 5 年内不转
让本次发行所认购的本公司股份;到期转让股份及受让方的股东资格应根据相关法
律法规的规定取得监管部门的同意。
              首钢总公司
承诺方        国网英大国际控股集团有限公司
              德意志银行卢森堡股份有限公司
承诺类型      再融资股份限售
                  承诺自 2011 年本公司非公开发行股份交割之日起 5 年内不转让本次
承诺事项          发行所认购的本公司股份;到期转让股份及受让方的股东资格应根
                  据相关法律法规的规定取得监管部门的同意。
承诺时间     2011 年 4 月 26 日
承诺期限     5年
承诺履行情况 履行中

     七、公司及董事、监事、高级管理人员及持有 5%以上的股份的股东受处罚情

     报告期内,未发现本公司及董事、监事、高级管理人员、持有5%以上的股份的
股东存在被有权机关调查、被司法纪检部门采取强制措施、被移送司法机关或追究
刑事责任、被中国证监会立案调查或行政处罚、被证券市场禁入、被认定为不适当
人选、被其他行政管理部门处罚和被上交所公开谴责的情况。


     八、信息披露索引
           事项               刊载的报刊名称    刊载日期     刊载的互联网网站
第六届董事会第十六次会 《 中 国 证 券 报 》 2013.04.02      http://www.sse.com.cn
议决议公告                   《上海证券报》
                             《证券时报》
华夏银行关联交易公告               同上        2013.04.02           同上
第六届董事会第十七次会             同上        2013.04.26           同上
议决议公告
第六届监事会第十次会议             同上        2013.04.26           同上
决议公告


                                          31
           关于召开 2012 年度股东大                同上             2013.04.26              同上
           会的通知公告
           华夏银行 2012 年年度报告                同上             2013.04.26              同上
           华夏银行 2013 第一季度报                同上             2013.04.26              同上
           告
           关于华夏金融租赁有限公                  同上             2013.05.04              同上
           司开业获中国银监会批准
           的公告
           华夏银行第六届监事会第                  同上             2013.05.24              同上
           十二次会议决议公告
           华夏银行现金分红说明会                  同上             2013.05.31              同上
           预告公告
           华夏银行董事辞职公告                    同上             2013.06.04              同上
           华夏银行 2012 年度股东大                同上             2013.06.19              同上
           会决议公告




                                         第五节 股本变动及股东情况

                一、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(+,-)
                        (2012 年 12 月 31 日)                                             (2013 年 6 月 30 日)
                                                               送   资本公
                                        比例       发行                      其他    小计                   比例
                           数量                                                                数量
                                        (%)      新股        股   积转股                                  (%)

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

  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:


                                                          32
       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



                   二、股东数量和前 10 名股东持股情况
                                                                                                                  (单位:股)
  股东总数(户)                                                                             150,217
                                                        前 10 名股东持股情况
                                                                                                                           质押或冻结的股份
                                                                                 持股                        持有有限
股东名称                                                    报告期内                                                             数量
                                          股东性质                               比例        持股总数        售条件股
                                                              增减                                                         股份
                                                                                 (%)                         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
                                         境内非国有法
润华集团股份有限公司                                                     0        3.12        213,376,112              0   质押     213,310,000
                                         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
生命人寿保险股份有限公司-万能 H         其他               113,801,843           1.66        113,801,843              0   无
北京三吉利能源股份有限公司               国有法人           -11,500,000           1.58        108,026,949              0   质押      50,000,000
                                         境内非国有法
上海健特生命科技有限公司                                                 0        1.31         89,568,322              0   质押      89,560,000
                                         人
                                                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




                                                                    33
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
                                                                                   171,200,000         人民币普通股
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
生命人寿保险股份有限公司-万能 H                                                   113,801,843         人民币普通股
北京三吉利能源股份有限公司                                                         108,026,949         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
上述股东关联关系或一致行动的说明     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。



                  三、有限售条件股东持股数量及限售条件

                                                                                                 (单位:股)
                                     持有的   有限售条件股份可上市交易情况
    序         有限售条件
                                   有限售条件     可上市      新增可上市                          限售条件
    号           股东名称
                                     股份数量   交易时间      交易股份数量
                                                                                     本公司非公开发行 18.5919746 亿
                                                                                     有限售条件的流通股。所有投资者
                                                                                     认购股份的锁定期限均为 60 个
     1         首钢总公司           691,204,239     2016.04.26       691,204,239     月,锁定期自 2011 年 4 月 26 日开
                                                                                     始计算,本公司将向上海证券交易
                                                                                     所申请本次非公开发行的股票于
                                                                                     2016 年 4 月 26 日上市流通。
                                                                                     本公司非公开发行 18.5919746 亿
                                                                                     有限售条件的流通股。所有投资者
                                                                                     认购股份的锁定期限均为 60 个
           国网英大国际控股集
     2                              653,306,499    2016. 04.26       653,306,499     月,锁定期自 2011 年 4 月 26 日开
               团有限公司
                                                                                     始计算,本公司将向上海证券交易
                                                                                     所申请本次非公开发行的股票于
                                                                                     2016 年 4 月 26 日上市流通。
                                                                                     本公司非公开发行 18.5919746 亿
                                                                                     有限售条件的流通股。所有投资者
              DEUTSCHE BANK
                                                                                     认购股份的锁定期限均为 60 个
             LUXEMBOURG S.A.
     3                              514,686,722    2016. 04.26       514,686,722     月,锁定期自 2011 年 4 月 26 日开
           德意志银行卢森堡股
                                                                                     始计算,本公司将向上海证券交易
               份有限公司
                                                                                     所申请本次非公开发行的股票于
                                                                                     2016 年 4 月 26 日上市流通。




                                                            34
                      第六节 董事、监事、高级管理人员情况

  一、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
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
               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
孙伟伟         报告期内离任董事       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。


  二、董事、监事、高级管理人员新聘或解聘情况

                                       35
    2013 年 5 月 31 日,孙伟伟女士因工作原因辞去本公司董事职务。




                             第七节 财务报告

    一、财务报告见附件。
    二、本公司 2013 年半年度财务报告未经审计。
    三、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,本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。

                           第八节 备查文件目录

    一、载有法定代表人、行长、财务负责人签名并盖章的财务报告文本。
    二、报告期内本公司在《中国证券报》、《上海证券报》和《证券时报》公开披
露过的所有文件正本及公告原件。
    三、《华夏银行股份有限公司章程》。




                                                 董事长:吴建
                                          华夏银行股份有限公司董事会
                                               二〇一三年八月七日




                                     36
                 华夏银行股份有限公司董事、高级管理人员
                 关于公司 2013 年半年度报告的书面确认意见

        根据《证券法》、《公开发行证券的公司信息披露内容与格式准则第 3 号<半年度
 报告的内容与格式>》(2013 年修订)的有关规定和要求,作为华夏银行股份有限公
 司的董事、高级管理人员,我们在全面了解和审核本公司 2013 年半年度报告后,出
 具意见如下:
        1、本公司严格按《企业会计准则》及其应用指南规范运作,本公司 2013 年半年
 度报告及其摘要公允地反映了本公司 2013 年上半年的财务状况和经营成果。
        2、本公司 2013 年半年度财务报告未经审计。
        3、我们认为,本公司 2013 年半年度报告及其摘要所披露的信息真实、准确、完
 整,承诺其中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、
 准确性和完整性承担个别及连带责任。
                                                            2013 年 8 月 7 日
姓     名                  职     务                   签    名
吴建                       董事长
方建一                     副董事长
李汝革                     副董事长
丁世龙                     董事
Robert John Rankin         董事
Christian Klaus Ricken     董事
张萌                       董事
樊大志                     董事、行长
任永光                     董事、副行长
赵军学                     董事、董事会秘书
盛杰民                     独立董事
骆小元                     独立董事
卢建平                     独立董事
萧伟强                     独立董事
曾湘泉                     独立董事
于长春                     独立董事
裴长洪                     独立董事
王耀庭                     副行长
李翔                       副行长
黄金老                     副行长
宋继清                     财务负责人

                                          37
华夏银行股份有限公司

中期财务报告
2013 年 1 月 1 日至 6 月 30 日止期间
华夏银行股份有限公司


中期财务报告
2013 年 1 月 1 日至 6 月 30 日止期间




内容                                   页码



银行及合并资产负债表                     2


银行及合并利润表                         4


银行及合并现金流量表                     5


合并股东权益变动表                       7


银行股东权益变动表                       8


财务报表附注                             9
华夏银行股份有限公司


银行及合并资产负债表
2013 年 6 月 30 日
(除另有注明外,金额单位均为人民币百万元)

                                                      本集团                         本银行
                                             2013 年          2012 年       2013 年          2012 年
                                  附注      6 月 30 日      12 月 31 日    6 月 30 日      12 月 31 日
                                           (未经审计)        (经审计)     (未经审计)        (经审计)
资产
  现金及存放中央银行款项         五、1       237,562          227,152       237,436          226,959
  存放同业款项                   五、2       113,312           87,408       113,340           87,209
  拆出资金                       五、3        34,284           31,434        34,284           31,434
  交易性金融资产                 五、4        11,185            9,757        11,185            9,757
  衍生金融资产                   五、5           151              171           151              171
  买入返售金融资产               五、6       155,345          239,109       155,345          239,109
  应收利息                       五、7         5,761            6,228         5,759            6,227
  发放贷款和垫款                 五、8       751,117          699,861       750,389          699,144
  可供出售金融资产               五、9        68,215           59,166        68,215           59,166
  持有至到期投资                 五、10      110,734          113,456       110,734          113,456
  应收款项类投资                 五、11        1,000            1,000         1,000            1,000
  应收融资租赁款                 五、12        2,268             -             -                -
  长期股权投资                   五、13           82               82         2,712              252
  投资性房地产                                  -                  17          -                  17
  固定资产                       五、14        7,472            7,659         7,462            7,648
  无形资产                       五、15           91               92            91               92
  递延所得税资产                 五、16        4,126            3,322         4,124            3,321
  其他资产                       五、17        4,447
                                            _______             2,946
                                                             _______          4,435
                                                                           _______             2,929
                                                                                            _______
资产总计                                   1,507,152
                                            _______         1,488,860
                                                             _______      1,506,662
                                                                           _______         1,487,891
                                                                                            _______




                                                                                                       -2-
华夏银行股份有限公司


银行及合并资产负债表 - 续
2013 年 6 月 30 日
(除另有注明外,金额单位均为人民币百万元)

                                                          本集团                         本银行
                                                 2013 年          2012 年       2013 年          2012 年
                                   附注         6 月 30 日      12 月 31 日    6 月 30 日      12 月 31 日
                                               (未经审计)        (经审计)     (未经审计)        (经审计)
负债
  向中央银行借款                                      20               30           -               -
  同业及其他金融机构存放款项      五、19         173,381          229,255        174,067         229,443
  拆入资金                        五、20          55,284           71,815         55,284          71,857
  衍生金融负债                    五、5              153              159            153             159
  卖出回购金融资产款              五、21          71,790           47,422         71,790          47,422
  吸收存款                        五、22       1,092,591        1,036,000      1,092,311       1,034,862
  应付职工薪酬                    五、23           5,340            4,181          5,338           4,179
  应交税费                        五、24           3,131            3,602          3,123           3,601
  应付利息                        五、25           8,831            9,185          8,829           9,181
  预计负债                        五、26               4                4              4               4
  应付债券                        五、27           8,400            8,400          8,400           8,400
  递延所得税负债                  五、16              38               43             38              43
  其他负债                        五、28           5,522
                                                _______             4,041
                                                                 _______           5,205
                                                                                _______            4,038
                                                                                                _______
负债合计                                       1,424,485
                                                _______         1,414,137
                                                                 _______      1,424,542
                                                                               _______         1,413,189
                                                                                                _______
股东权益
  股本                            五、29           6,850            6,850         6,850            6,850
  资本公积                        五、30          32,415           32,309        32,415           32,309
  盈余公积                        五、31           4,585            4,585         4,585            4,585
  一般风险准备                    五、32          12,949           12,949        12,949           12,949
  未分配利润                      五、33          25,301
                                                _______            18,001
                                                                 _______         25,321
                                                                               _______            18,009
                                                                                                _______
归属于母公司股东权益合计                          82,100           74,694        82,120           74,702
少数股东权益                                         567
                                                _______                29
                                                                 _______           -
                                                                               _______              -
                                                                                                _______
股东权益合计                                      82,667
                                                _______            74,723
                                                                 _______         82,120
                                                                               _______            74,702
                                                                                                _______
负债及股东权益总计                             1,507,152
                                                _______         1,488,860
                                                                 _______      1,506,662
                                                                               _______         1,487,891
                                                                                                _______



附注为财务报表的组成部分

第 2 页至第 8 页的财务报表由下列负责人签署:




      法定代表人                    行长                        财务负责人                      盖章




                                                                                                           -3-
华夏银行股份有限公司


银行及合并利润表
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

                                                        本集团                       本银行
                                               截至 6 月 30 日止 6 个月     截至 6 月 30 日止 6 个月
                                      附注     2013 年          2012 年     2013 年          2012 年
                                              (未经审计)      (未经审计)   (未经审计)      (未经审计)

一、营业收入                                    22,207
                                                _____           19,452
                                                                _____        22,169
                                                                             _____           19,436
                                                                                             _____
    利息净收入                       五、34     19,145          17,194       19,107          17,178

    利息收入                                    36,411          36,784       36,359          36,860
    利息支出                                   (17,266)        (19,590)     (17,252)        (19,682)

    手续费及佣金净收入               五、35      2,973           1,999        2,973           1,999

    手续费及佣金收入                             3,190           2,207        3,190           2,207
    手续费及佣金支出                              (217)           (208)        (217)           (208)

    投资收益/(损失)                  五、36         10              (9)          10              (9)
    公允价值变动收益/(损失)          五、37        (39)            148          (39)            148
    汇兑收益                         五、38        109             112          109             112
    其他业务收入                                     9               8            9               8

二、营业支出                                   (12,476)
                                                _____          (11,376)
                                                                _____       (12,423)
                                                                             _____          (11,358)
                                                                                             _____
    营业税金及附加                   五、39     (1,561)         (1,403)      (1,555)         (1,403)
    业务及管理费                     五、40     (8,661)         (7,893)      (8,640)         (7,877)
    资产减值损失                     五、41     (2,245)         (2,068)      (2,219)         (2,066)
    其他业务成本                                _____(9)           (12)
                                                                _____        _____(9)           (12)
                                                                                             _____
三、营业利润                                     9,731           8,076        9,746           8,078
    加:营业外收入                   五、42         19              28           18              28
    减:营业外支出                   五、43        (12)
                                                _____              (11)
                                                                _____           (12)
                                                                             _____              (11)
                                                                                             _____
四、利润总额                                     9,738           8,093        9,752           8,095
    减:所得税费用                   五、44     (2,440)
                                                _____           (2,018)
                                                                _____        (2,440)
                                                                             _____           (2,019)
                                                                                             _____
五、净利润                                       7,298
                                                _____            6,075
                                                                _____         7,312
                                                                             _____            6,076
                                                                                             _____
    归属于母公司股东的净利润                     7,300           6,076        7,312           6,076
    少数股东损益                                    (2)             (1)        -               -
                                                _____           _____        _____           _____
六、每股收益
    基本每股收益                     五、45       0.82
                                                _____             0.68
                                                                _____       不适用
                                                                            _____           不适用
                                                                                            _____
七、其他综合收益                     五、46       106
                                                _____             321
                                                                _____          106
                                                                             _____             321
                                                                                             _____
八、综合收益总额                                 7,404
                                                _____            6,396
                                                                _____         7,418
                                                                             _____            6,397
                                                                                             _____
    归属于母公司股东的综合收益总额               7,406           6,397        7,418           6,397
    归属于少数股东的综合收益总额                    (2)             (1)        -               -
                                                _____           _____        _____           _____


附注为财务报表的组成部分



                                                                                                        -4-
华夏银行股份有限公司


银行及合并现金流量表
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

                                                           本集团                    本银行
                                                  截至 6 月 30 日止 6 个月             截至 6 月 30 日止
6 个月
                                          附注     2013 年       2012 年      2013 年      2012 年
                                                  (未经审计)    (未经审计)   (未经审计)   (未经审计)
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                       717       130,584        2,073      130,219
  向中央银行借款净增加额                              -               20         -            -
  拆入资金净增加额                                   7,837          -           7,795         -
  拆出资金净减少额                                 159,680          -         159,879         -
  收取利息、手续费及佣金的现金                      30,209        19,363       30,160       19,349
  存放中央银行和同业款项净减少额                      -            1,901         -           2,026
  收到其他与经营活动有关的现金                         191
                                                   ______            144
                                                                 ______           190
                                                                              ______           144
                                                                                           ______
经营活动现金流入小计                               198,634
                                                   ______        152,012
                                                                 ______       200,097
                                                                              ______       151,738
                                                                                           ______
客户贷款和垫款净增加额                              (53,506)      (59,283)     (53,492)     (59,043)
融资租赁款的净增加额                                 (2,291)         -            -            -
向中央银行借款净减少额                                   (10)        -            -            -
存放中央银行和存放同业款项净增加额                  (15,924)         -         (16,171)        -
拆出资金净增加额                                       -          (67,271)        -         (67,271)
支付利息、手续费及佣金的现金                        (17,412)         (208)     (17,396)        (208)
支付给职工以及为职工支付的现金                       (3,778)       (3,205)      (3,770)      (3,199)
支付的各项税费                                       (5,375)       (4,670)      (5,372)      (4,669)
支付其他与经营活动有关的现金                         (3,371)
                                                    ______         (3,652)
                                                                  ______        (3,681)
                                                                               ______        (3,634)
                                                                                            ______
经营活动现金流出小计                               (101,667)
                                                    ______       (138,289)
                                                                  ______       (99,882)
                                                                               ______      (138,024)
                                                                                            ______
经营活动产生的现金流量净额               五、48      96,967
                                                    ______         13,723
                                                                  ______      100,215
                                                                              ______         13,714
                                                                                            ______
投资活动产生的现金流量
  收回投资收到的现金                                 18,717        32,079      18,717        32,079
  取得投资收益收到的现金                              9,869          -          9,867          -
  处置固定资产、无形资产和
    其他长期资产收到的现金净额                           42          -             42          -
  收到其他与投资活动有关的现金                         -
                                                    ______        ______3         -
                                                                               ______       ______3
投资活动现金流入小计                                 28,628
                                                    ______         32,082
                                                                  ______        28,626
                                                                               ______        32,082
                                                                                            ______
投资支付的现金                                      (26,349)      (66,469)     (26,349)     (66,469)
取得子公司及其他营业单位支付的现金净额                 -             -          (2,460)        -
购建固定资产、无形资产和
  其他长期资产支付的现金                               (189)
                                                    ______         (1,006)
                                                                  ______          (189)
                                                                               ______        (1,000)
                                                                                            ______
投资活动现金流出小计                                (26,538)
                                                    ______        (67,475)
                                                                  ______       (28,998)
                                                                               ______       (67,469)
                                                                                            ______
投资活动产生的现金流量净额                            2,090
                                                    ______        (35,393)
                                                                  ______          (372)
                                                                               ______       (35,387)
                                                                                            ______




                                                                                                       -5-
华夏银行股份有限公司


银行及合并现金流量表 - 续
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

                                                        本集团                     本银行
                                               截至 6 月 30 日止 6 个月              截至 6 月 30 日止
6 个月
                                       附注     2013 年       2012 年      2013 年       2012 年
                                               (未经审计)    (未经审计)   (未经审计)    (未经审计)
筹资活动产生的现金流量
  吸收投资收到的现金                                 540          -            -             -
  其中:子公司吸收少数股东权益性
        投资收到的现金                              540
                                                 ______           -
                                                               ______          -
                                                                            ______           -
                                                                                          ______
筹资活动现金流入小计                                540
                                                 ______           -
                                                               ______          -
                                                                            ______           -
                                                                                          ______
分配股利、利润或偿付利息支付的现金                  (425)       (1,404)        (425)       (1,404)
支付其他与筹资活动有关的现金                        -
                                                 ______           (505)
                                                               ______          -
                                                                            ______           (505)
                                                                                          ______
筹资活动现金流出小计                                (425)
                                                 ______         (1,909)
                                                               ______          (425)
                                                                            ______         (1,909)
                                                                                          ______
筹资活动产生的现金流量净额                          115
                                                 ______         (1,909)
                                                               ______          (425)
                                                                            ______         (1,909)
                                                                                          ______
汇率变动对现金及现金等价物的影响额               ______(5)        -
                                                               ______       ______(5)        -
                                                                                          ______
现金及现金等价物净增加额                         99,167       (23,579)      99,413       (23,582)
加:期初现金及现金等价物余额                    145,164
                                                ______        125,867
                                                              ______       144,896
                                                                           ______        125,773
                                                                                         ______
期末现金及现金等价物余额              五、47    244,331
                                                ______        102,288
                                                              ______       244,309
                                                                           ______        102,191
                                                                                         ______



附注为财务报表的组成部分




                                                                                                     -6-
华夏银行股份有限公司


合并股东权益变动表
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

                                                                 2013 年 1 月 1 日至 6 月 30 日止期间
                                                           归属于母公司股东权益
                                                                          一般                                 少数
                                       股本     资本公积   盈余公积     风险准备 未分配利润          小计    股东权益   合计

一、2013 年 1 月 1 日余额(经审计)       6,850
                                       ____      32,309
                                                 ____        4,585
                                                            ____         12,949
                                                                         ____         18,001
                                                                                      ____         74,694
                                                                                                   ____        ___29    74,723
                                                                                                                        ____
二、本期增减变动金额
(一)净利润                              -          -          -            -           7,300        7,300        (2)     7,298
(二)其他综合收益                        -
                                       ____        106
                                                 ____        -
                                                            ____          -
                                                                         ____          -
                                                                                      ____           106
                                                                                                   ____        ___-       106
                                                                                                                        ____
上述(一)和(二)小计                      -
                                       ____        106
                                                 ____        -
                                                            ____          -
                                                                         ____          7,300
                                                                                      ____          7,406
                                                                                                   ____        ___(2)    7,404
                                                                                                                        ____
(三)股东投入股本                        -
                                       ____       -
                                                 ____        -
                                                            ____          -
                                                                         ____          -
                                                                                      ____          -
                                                                                                   ____         540
                                                                                                               ___        540
                                                                                                                        ____
三、2013 年 6 月 30 日余额(未经审计)    6,850    32,415      4,585       12,949       25,301       82,100       567     82,667
                                       ____      ____       ____         ____         ____         ____        ___      ____

                                                               2012 年 1 月 1 日至 12 月 31 日止期间
                                                           归属于母公司股东权益
                                                                         一般                                  少数
                                       股本     资本公积   盈余公积   风险准备 未分配利润         小计       股东权益   合计

一、2012 年 1 月 1 日余额(经审计)       6,850
                                       ____      32,600
                                                 ____        3,305
                                                            ____          9,793
                                                                         ____         11,352
                                                                                      ____         63,900
                                                                                                   ____        ___30    63,930
                                                                                                                        ____
二、本期增减变动金额
(一)净利润                              -         -          -            -            6,076        6,076        (1)     6,075
(二)其他综合收益                        -
                                       ____        321
                                                 ____        -
                                                            ____          -
                                                                         ____           -
                                                                                      ____            321
                                                                                                   ____        ___-        321
                                                                                                                        ____
上述(一)和(二)小计                      -
                                       ____        321
                                                 ____        -
                                                            ____          -
                                                                         ____          6,076
                                                                                      ____          6,397
                                                                                                   ____        ___(1)    6,396
                                                                                                                        ____
(三)利润分配
股利分配                                -
                                       ____       -
                                                 ____        -
                                                            ____          -
                                                                         ____         (1,712)
                                                                                      ____         (1,712)
                                                                                                   ____        ___-     (1,712)
                                                                                                                        ____
三、2012 年 6 月 30 日余额(未经审计)    6,850    32,921      3,305        9,793       15,716       68,585
                                       ____      ____       ____         ____         ____         ____        ___29    68,614
                                                                                                                        ____
一、2012 年 7 月 1 日余额(未经审计)     6,850
                                       ____      32,921
                                                 ____        3,305
                                                            ____          9,793
                                                                         ____         15,716
                                                                                      ____         68,585
                                                                                                   ____        ___29    68,614
                                                                                                                        ____
二、本期增减变动金额
(一)净利润                              -          -          -            -           6,721        6,721          -     6,721
(二)其他综合收益                        -
                                       ____       (612)
                                                 ____        -
                                                            ____          -
                                                                         ____          -
                                                                                      ____          (612)
                                                                                                   ____        ___-      (612)
                                                                                                                        ____
上述(一)和(二)小计                      -
                                       ____       (612)
                                                 ____        -
                                                            ____          -
                                                                         ____          6,721
                                                                                      ____          6,109
                                                                                                   ____        ___-      6,109
                                                                                                                        ____
(三)利润分配
1.提取盈余公积                          -         -          1,280         -          (1,280)       -             -      -
2.提取一般风险准备                      -
                                       ____       -
                                                 ____         -
                                                            ____          3,156
                                                                         ____         (3,156)
                                                                                      ____          -
                                                                                                   ____        ___-      -
                                                                                                                        ____
三、2012 年 12 月 31 日余额(经审计)     6,850    32,309      4,585       12,949       18,001       74,694
                                       ____      ____       ____         ____         ____         ____        ___29    74,723
                                                                                                                        ____



附注为财务报表的组成部分




                                                                                                                            -7-
华夏银行股份有限公司


银行股东权益变动表
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

                                                     2013 年 1 月 1 日至 6 月 30 日止期间
                                                                             一般
                                       股本    资本公积     盈余公积      风险准备     未分配利润   合计

一、2013 年 1 月 1 日余额(经审计)      6,850
                                       ____     32,309
                                                _____         4,585
                                                              ____         12,949
                                                                           _____        18,009
                                                                                        _____       74,702
                                                                                                    _____
二、本期增减变动金额
(一)净利润                              -          -           -             -           7,312       7,312
(二)其他综合收益                        -
                                       ____       106
                                                _____          -
                                                              ____           -
                                                                           _____          -
                                                                                        _____          106
                                                                                                    _____
上述(一)和(二)小计                      -
                                       ____       106
                                                _____          -
                                                              ____           -
                                                                           _____         7,312
                                                                                        _____        7,418
                                                                                                    _____
三、2013 年 6 月 30 日余额(未经审计)   6,850    32,415        4,585        12,949       25,321      82,120
                                       ____     _____         ____         _____        _____       _____

                                                     2012 年 1 月 1 日至 12 月 31 日止期间
                                                                            一般
                                       股本    资本公积     盈余公积      风险准备    未分配利润    合计

一、2012 年 1 月 1 日余额(经审计)      6,850
                                       ____     32,600
                                                _____         3,305
                                                              ____          9,793
                                                                           _____        11,362
                                                                                        _____       63,910
                                                                                                    _____
二、本期增减变动金额
(一)净利润                              -          -           -             -           6,076       6,076
(二)其他综合收益                        -
                                       ____       321
                                                _____          -
                                                              ____           -
                                                                           _____          -
                                                                                        _____          321
                                                                                                    _____
上述(一)和(二)小计                      -
                                       ____       321
                                                _____          -
                                                              ____           -
                                                                           _____         6,076
                                                                                        _____        6,397
                                                                                                    _____
(三)利润分配
股利分配                                -
                                       ____       -
                                                _____          -
                                                              ____           -
                                                                           _____         (1,712)
                                                                                        _____        (1,712)
                                                                                                    _____
三、2012 年 6 月 30 日余额(未经审计)   6,850    32,921        3,305         9,793       15,726      68,595
                                       ____     _____         ____         _____        _____       _____
一、2012 年 7 月 1 日余额(未经审计)    6,850
                                       ____     32,921
                                                _____         3,305
                                                              ____          9,793
                                                                           _____        15,726
                                                                                        _____       68,595
                                                                                                    _____
二、本期增减变动金额
(一)净利润                              -         -            -             -           6,719       6,719
(二)其他综合收益                        -
                                       ____       (612)
                                                _____          -
                                                              ____           -
                                                                           _____          -
                                                                                        _____         (612)
                                                                                                    _____
上述(一)和(二)小计                      -
                                       ____       (612)
                                                _____          -
                                                              ____           -
                                                                           _____         6,719
                                                                                        _____        6,107
                                                                                                    _____
(三)利润分配
1.提取盈余公积                          -         -           1,280          -           (1,280)      -
2.提取一般风险准备                      -
                                       ____       -
                                                _____          -
                                                              ____          3,156
                                                                           _____         (3,156)
                                                                                        _____         -
                                                                                                    _____
三、2012 年 12 月 31 日余额(经审计)    6,850    32,309        4,585        12,949       18,009      74,702
                                       ____     _____         ____         _____        _____       _____



附注为财务报表的组成部分




                                                                                                           -8-
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

一、   银行基本情况

       华夏银行股份有限公司(简称“本银行”)前身为华夏银行,系经中国人民银行银复(1992)391 号文批准,
       于 1992 年 10 月 14 日由首钢总公司独资组建成立的全国性商业银行。1996 年 4 月 10 日,中国人民银行
       下发《关于同意华夏银行变更注册资本并核准〈华夏银行股份有限公司章程〉的批复》[银复(1996)109
       号],批准华夏银行以发起方式改制变更为股份有限公司。1998 年 3 月 18 日本银行依法取得了由国家工
       商行政管理局颁发的《企业法人营业执照》(注册号为 10000000002967 号),并依法取得中国人民银行颁
       发的《金融机构法人许可证》(编号 B10811000H0001 号)。本银行由 33 家企业法人单位共同发起设立,
       注册资本为人民币 25 亿元,业经建银会计师事务所于 1996 年 3 月 13 日出具[建银验字(96)第 2 号]验资
       报告予以验证。

       2003 年 7 月 21 日,经中国证券监督管理委员会(简称“中国证监会”)[证监发行字(2003)83 号]文批准,
       本银行向社会公众公开发行人民币普通股股票(A 股)10 亿股,每股面值人民币 1.00 元,每股发行价人民
       币 5.60 元,扣除上市发行费用及加上筹集资金利息收入后,共募集资金现金净额人民币 54.60 亿元。上
       述股票于 2003 年 9 月 12 日在上海证券交易所上市交易。变更后的注册资本为人民币 35 亿元,业经北京
       京都会计师事务所于 2003 年 9 月 5 日出具[北京京都验字(2003)第 0036 号]验资报告予以验证。

       根据 2004 年 4 月 28 日召开的本银行 2003 年度股东大会的决议和修改后章程的规定,本银行以 2003 年
       末总股本 35 亿股为基数,按照每 10 股转增 2 股的比例将资本公积金转增股本 7 亿股。变更后的注册资
       本为人民币 42 亿元,业经北京京都会计师事务所于 2004 年 5 月 26 日出具[北京京都验字(2004)第 0017
       号]验资报告予以验证。

       2006 年 6 月 6 日,本银行完成股权分置改革,非流通股股东以向方案实施股权登记日登记在册的全体流
       通股股东支付股票的方式作为对价安排,流通股股东每持有 10 股流通股获付 3 股股票。各非流通股股东
       支付股票的数量按各自持有非流通股的比例确定;对价安排执行后,本银行原非流通股股东持有的非流
       通股股份变更为有限售条件的股份,流通股股东获付的股票总数为 3.6 亿股。

       根据本银行 2008 年第一次临时股东大会,并经中国证监会[证监许可[2008]1042 号]文核准,本银行非公
       开发行股票 790,528,316 股,其中:首钢总公司认购 269,634,462 股,国家电网公司认购 253,520,393 股,
       德意志银行认购 267,373,461 股。变更后的注册资本为人民币 4,990,528,316 元,业经北京京都会计师事
       务所于 2008 年 10 月 16 日出具[北京京都验字(2008)第 0085 号]验资报告予以验证。

       根据本银行 2010 年 6 月 2 日临时股东大会,并经中国证监会[证监许可[2011]207 号]文核准,本银行非
       公开发行股票 1,859,197,460 股,其中:首钢总公司认购 691,204,239 股,英大国际控股集团有限公司(已
       更名为国网英大国际控股集团有限公司)认购 653,306,499 股,德意志银行卢森堡股份有限公司认购
       514,686,722 股。变更后的注册资本为人民币 6,849,725,776 元,业经京都天华会计师事务所有限公司于
       2011 年 4 月 22 日出具[京都天华验字(2011)第 0044 号]验资报告予以验证。




                                                                                                   -9-
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

一、   银行基本情况 - 续

       截至 2013 年 6 月 30 日,本银行除总行本部外还设有北京分行、南京分行、杭州分行、上海分行、济南
       分行、昆明分行、深圳分行、沈阳分行、广州分行、武汉分行、重庆分行、成都分行、西安分行、乌鲁
       木齐分行、太原分行、大连分行、青岛分行、温州分行、石家庄分行、天津分行、呼和浩特分行、福州
       分行、宁波分行、绍兴分行、南宁分行、常州分行、苏州分行、无锡分行、合肥分行、长沙分行、厦门
       分行、长春分行、郑州分行、南昌分行。本银行共设立 505 家营业机构。

       本银行及所属子公司(以下统称“本集团”)的主要经营范围包括:吸收公众存款;发放短期、中期和长
       期贷款;办理国内外结算;办理票据承兑与贴现;发行金融债券;代理发行、代理兑付、承销政府债券;
       买卖政府债券、金融债券;从事同业拆借;买卖、代理买卖外汇;从事银行卡业务;提供信用证服务及
       担保;代理收付款项;提供保管箱服务;结汇、售汇业务;保险兼业代理业务;租赁业务;经中国银行
       业监督管理委员会批准的其他业务。


二、   中期财务报告编制基础及遵循企业会计准则的声明

       本集团执行中华人民共和国财政部(以下简称“财政部”)2006 年 2 月 15 日颁布的《企业会计准则—基本准
       则》和 38 项具体会计准则及其应用指南、解释以及其他相关规定(统称“企业会计准则”)。此外,本集
       团还参照中国证券监督管理委员会颁布的《公开发行证券的公司信息披露内容与格式准则第 3 号-半年度
       报告的内容与格式》(2013 年修订)披露有关财务信息。本中期财务报告应与本集团 2012 年度财务报表一
       并阅读。

       本中期财务报告符合《企业会计准则第 32 号-中期财务报告》的要求,真实、完整地反映了本集团于 2013
       年 6 月 30 日的银行及合并财务状况以及 2013 年 1 月 1 日至 6 月 30 日止期间的银行及合并经营成果和银
       行及合并现金流量。


三、   重要会计政策

       本中期财务报告所采用的会计政策与编制 2012 年度财务报表的会计政策一致。




                                                                                                    - 10 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

四、   控股子公司与合并范围

       本银行纳入合并范围的子公司的基本情况列示如下:

                                                                                                                业务性质
       注册公司名称            成立时间         注册地      实收资本        持股比例       享有表决权比例     及经营范围
                                                                              (%)                (%)

       北京大兴华夏村镇银行     2010 年          北京     人民币 1 亿元      100.00            100.00            银行
         有限责任公司
       昆明呈贡华夏村镇银行     2011 年          昆明    人民币 5000 万元     70.00             70.00            银行
         股份有限公司
       四川江油华夏村镇银行     2011 年          四川    人民币 5000 万元     70.00             70.00            银行
         股份有限公司
       华夏金融租赁有限公司     2013 年          昆明     人民币 30 亿元      82.00             82.00          融资租赁


       2013 年 5 月,本银行获得中国银行业监督管理委员会《中国银监会关于华夏金融租赁有限公司开业的批
       复》(银监复(2013)206 号),设立华夏金融租赁有限公司,注册资本 30 亿元人民币。华夏金融租赁有限
       公司已于 2013 年 5 月正式开业。


五、   财务报表主要项目注释

1.   现金及存放中央银行款项

                                                             本集团                             本银行
                                                  2013 年            2012 年            2013 年          2012 年
                                                 6 月 30 日         12 月 31 日        6 月 30 日       12 月 31 日

       库存现金                                      4,127               3,714             4,114              3,702
       存放中央银行法定准备金             (1)      192,244             183,441          192,140             183,317
       存放中央银行超额存款准备金         (2)       40,542              39,647           40,533              39,590
       存放中央银行的其他款项             (3)          649
                                                   _______                 350
                                                                       _______               649
                                                                                        _______                 350
                                                                                                            _______
       合计                                        237,562
                                                   _______             227,152
                                                                       _______          237,436
                                                                                        _______             226,959
                                                                                                            _______




                                                                                                                   - 11 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

1.   现金及存放中央银行款项 - 续

       (1)   本集团按规定向中国人民银行缴存一般性存款的法定准备金。缴存存款准备金的范围包括机关团
               体存款、财政预算外存款、个人存款、单位存款及其他各项存款。具体缴存比例为:

                                                                           2013 年        2012 年
                                                                          6 月 30 日     12 月 31 日

              人民币:
              本银行                                                       18.00%           18.00%
              北京大兴华夏村镇银行有限责任公司                             14.00%           14.00%
              昆明呈贡华夏村镇银行股份有限公司                             14.00%           13.00%
              四川江油华夏村镇银行股份有限公司                             14.00%           14.00%
              外币:                                                        5.00%            5.00%
                                                                           ______           ______

       (2)   存放中央银行超额存款准备金系指本集团为保证存款的正常提取和业务的正常开展而存入中央银
               行的超出法定存款准备金的款项。

       (3)   存放中央银行的其他款项主要系存放中央银行的定期存款以及缴存中央银行财政性存款。中国人
               民银行对境内机构缴存的财政性存款不计付利息。


2.   存放同业款项

                                                      本集团                        本银行
                                             2013 年         2012 年       2013 年         2012 年
                                            6 月 30 日      12 月 31 日   6 月 30 日      12 月 31 日

       存放境内同业                           112,016          84,580       112,044          84,381
       存放境外同业                             1,332           2,853         1,332           2,853
       减:存放同业减值准备                       (36)
                                             _______              (25)
                                                              ______            (36)
                                                                           _______              (25)
                                                                                            ______
       存放同业款项账面价值                   113,312
                                             _______           87,408
                                                              ______        113,340
                                                                           _______           87,209
                                                                                            ______




                                                                                                      - 12 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

3.   拆出资金

                                                                        本集团及本银行
                                                                 2013 年              2012 年
                                                                6 月 30 日          12 月 31 日

       拆放境内银行                                               23,584               24,562
       拆放境内非银行金融机构                                     10,820                6,992
       减:拆出资金减值准备                                         (120)
                                                                 ______                  (120)
                                                                                      ______
       拆出资金账面价值                                           34,284
                                                                 ______                31,434
                                                                                      ______



4.   交易性金融资产

                                                                        本集团及本银行
                                                                 2013 年              2012 年
                                                                6 月 30 日          12 月 31 日

       金融机构债券                                                    6                   6
       公司债券                                                   11,179
                                                                 ______                9,751
                                                                                       _____
       合计                                                       11,185
                                                                 ______                9,757
                                                                                       _____

       本集团管理层认为交易性金融资产投资变现不存在重大限制。




                                                                                                  - 13 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

5.   衍生金融工具

       本集团持有的衍生金融产品的合同/名义金额及其公允价值列示如下:

       非套期工具:

                                                              本集团及本银行
                                                             2013 年 6 月 30 日
                                                                               公允价值
                                             合同/名义本金           资产                 负债

       远期合约                                  26,905                99                  99
       货币掉期                                  59,517                46                  52
       利率互换                                   1,050                 6                   2
       利率期权                                   6,615               ___-                ___-
       合计                                                           151
                                                                      ___                 153
                                                                                          ___

                                                              本集团及本银行
                                                             2012 年 12 月 31 日
                                                                              公允价值
                                             合同/名义本金            资产                负债

       远期合约                                   9,515                68                  52
       货币掉期                                  22,004               102                 106
       利率互换                                     450                 1                   1
       利率期权                                   1,180               ___-                ___-
       合计                                                           171
                                                                      ___                 159
                                                                                          ___

       (1)    合同/名义本金仅指在资产负债表日尚未完成的交易量,并不代表风险数额。公允价值是指在公平
                交易中,熟悉情况的当事人自愿据以进行资产交换或负债清偿的金额。

       (2)    本集团将衍生金融工具用于对资产及负债的管理,例如,本集团对于吸收的结构性存款,通过利
                率掉期以有效降低利率波动带来的风险。




                                                                                                 - 14 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

6.   买入返售金融资产

                                                                             本集团及本银行
                                                                      2013 年              2012 年
                                                                     6 月 30 日          12 月 31 日

       票据                                                               93,812                237,109
       债券                                                               18,994                  2,000
       其他                                                               42,539
                                                                         _______                   -
                                                                                                _______
       合计                                                              155,345
                                                                         _______                239,109
                                                                                                _______



7.   应收利息

                                                        本集团                             本银行
                                              2013 年         2012 年          2013 年           2012 年
                                             6 月 30 日      12 月 31 日      6 月 30 日        12 月 31 日

       应收债券利息                             2,790            2,618             2,790            2,618
       应收贷款和垫款利息                       1,776            1,960             1,775            1,959
       应收买入返售利息                           709            1,216               709            1,216
       应收存拆放资金利息                         486
                                                _____              434
                                                                 _____               485
                                                                                   _____              434
                                                                                                    _____
       合计                                     5,761
                                                _____            6,228
                                                                 _____             5,759
                                                                                   _____            6,227
                                                                                                    _____

       于 2013 年 6 月 30 日,本集团及本银行应收利息余额账龄均为一年以内。




                                                                                                            - 15 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

8.   发放贷款和垫款

(1) 按个人和对公分布情况

                                                     本集团                        本银行
                                            2013 年         2012 年       2013 年         2012 年
                                           6 月 30 日      12 月 31 日   6 月 30 日      12 月 31 日

       对公贷款和垫款                       651,450         619,501       650,930         618,995
       其中:贷款                           635,428         607,361       634,908         606,938
             进出口押汇                       8,902           9,535         8,902           9,535
             贴现                             7,120
                                            _______           2,605
                                                            _______         7,120
                                                                          _______           2,522
                                                                                          _______
       个人贷款和垫款                       121,221         100,667       121,001         100,447
       其中:住房抵押                        86,437          72,793        86,434          72,772
             信用卡                           11,362          7,912         11,362          7,912
             其他                            23,422
                                            _______          19,962
                                                            _______        23,205
                                                                          _______          19,763
                                                                                          _______
       发放贷款和垫款总额                   772,671
                                            _______         720,168
                                                            _______       771,931
                                                                          _______         719,442
                                                                                          _______
       减:贷款损失准备                      (21,554)
                                            _______          (20,307)
                                                            _______        (21,542)
                                                                          _______          (20,298)
                                                                                         _______
              其中:个别方式评估              (3,653)         (3,606)       (3,652)         (3,606)
                    组合方式评估             (17,901)
                                            _______          (16,701)
                                                            _______        (17,890)
                                                                          _______          (16,692)
                                                                                          _______
       合计                                  751,117
                                            _______         699,861
                                                            _______       750,389
                                                                          _______         699,144
                                                                                          _______




                                                                                                  - 16 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

8.   发放贷款和垫款 - 续

(2) 发放贷款和垫款评估方式列示如下:

       本集团

                                                           已识别的减值贷款和垫款
                                                                                                           已识别的减
                                    组合方式评估      组合方式     个别方式                              值贷款和垫款占
                                    计提损失准备      评估计提     评估计提                              发放贷款和垫款
                                    的贷款和垫款(i)   损失准备     损失准备         小计      合计         总额的比例

       2013 年 6 月 30 日
       发放贷款及垫款总额              765,606           460         6,605           7,065    772,671        0.91%
       减值损失准备                    (17,640)
                                       _____            (261)
                                                        ___         (3,653)
                                                                    ____            (3,914)
                                                                                    ____      (21,554)
                                                                                              _____
       发放贷款及垫款账面价值          747,966           199         2,952           3,151    751,117
                                       _____            ___         ____            ____      _____
       2012 年 12 月 31 日
       发放贷款及垫款总额              713,829           397         5,942           6,339    720,168        0.88%
       减值损失准备                    (16,464)
                                       _____            (237)
                                                        ___         (3,606)
                                                                    ____            (3,843)
                                                                                    ____      (20,307)
                                                                                              _____
       发放贷款及垫款账面价值          697,365           160         2,336           2,496    699,861
                                       _____            ___         ____            ____      _____

       本银行

                                                           已识别的减值贷款和垫款
                                                                                                           已识别的减
                                    组合方式评估      组合方式     个别方式                              值贷款和垫款占
                                    计提损失准备      评估计提     评估计提                              发放贷款和垫款
                                    的贷款和垫款(i)   损失准备     损失准备         小计      合计         总额的比例

       2013 年 6 月 30 日
       发放贷款及垫款总额              764,867           460         6,604          7,064     771,931        0.92%
       减值损失准备                    (17,629)
                                       _____            (261)
                                                        ___         (3,652)
                                                                    ____            (3,913)
                                                                                    ____      (21,542)
                                                                                              _____
       发放贷款及垫款账面价值          747,238           199         2,952           3,151    750,389
                                       _____            ___         ____            ____      _____
       2012 年 12 月 31 日
       发放贷款及垫款总额              713,103           397         5,942           6,339    719,442        0.88%
       减值损失准备                    (16,455)
                                       _____            (237)
                                                        ___         (3,606)
                                                                    ____            (3,843)
                                                                                    ____      (20,298)
                                                                                              _____
       发放贷款及垫款账面价值          696,648           160         2,336           2,496    699,144
                                       _____            ___         ____            ____      _____

       (i)    指尚未识别为已减值的发放贷款和垫款,其损失准备以组合方式计提。




                                                                                                                  - 17 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

8.   发放贷款和垫款 - 续

(3) 按行业分布情况

                                                                    本集团
       行业                                   2013 年 6 月 30 日              2012 年 12 月 31 日
                                            金额            比例%             金额          比例%

       制造业                              208,764          27.01            202,638        28.14
       批发和零售业                        118,026          15.28            112,267        15.59
       房地产业                             72,195           9.34             68,032         9.45
       租赁和商务服务业                     58,343           7.55             52,679         7.31
       建筑业                               57,115           7.39             52,430         7.28
       交通运输、仓储和邮政业               43,484           5.63             45,147         6.27
       电力、热力、燃气及
         水生产和供应业                     23,074          2.99              23,926         3.32
       采矿业                               22,073          2.86              22,704         3.15
       其他对公行业                         41,256          5.34              37,073         5.15
       票据贴现                              7,120          0.92               2,605         0.36
       个人贷款                            121,221
                                           _______         15.69
                                                          ______             100,667
                                                                             _______        13.98
                                                                                           ______
       发放贷款和垫款总额                  772,671
                                           _______        100.00
                                                          ______             720,168
                                                                             _______       100.00
                                                                                           ______
       减:贷款损失准备                     (21,554)
                                           _______                            (20,307)
                                                                             _______
       发放贷款和垫款账面价值               751,117
                                           _______                           699,861
                                                                             _______




                                                                                                    - 18 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、    财务报表主要项目注释 - 续

8.    发放贷款和垫款 - 续

(3)     按行业分布情况 - 续

                                                                    本银行
        行业                                  2013 年 6 月 30 日              2012 年 12 月 31 日
                                            金额            比例%             金额          比例%

        制造业                             208,648          27.02            202,528        28.15
        批发和零售业                       117,838          15.27            112,125        15.58
        房地产业                            72,195           9.35             68,032         9.46
        租赁和商务服务业                    58,320           7.56             52,658         7.32
        建筑业                              57,070           7.39             52,398         7.28
        交通运输、仓储和邮政业              43,461           5.63             45,131         6.27
        电力、热力、燃气及
          水生产和供应业                    23,069          2.99              23,926         3.33
        采矿业                              22,073          2.86              22,704         3.16
        其他对公行业                        41,136          5.33              36,971         5.14
        票据贴现                             7,120          0.92               2,522         0.35
        个人贷款                           121,001
                                           _______         15.68
                                                          ______             100,447
                                                                             _______        13.96
                                                                                           ______
        发放贷款和垫款总额                 771,931
                                           _______        100.00
                                                          ______             719,442
                                                                             _______       100.00
                                                                                           ______
        减:贷款损失准备                    (21,542)
                                           _______                            (20,298)
                                                                             _______
        发放贷款和垫款账面价值             750,389
                                           _______                           699,144
                                                                             _______




                                                                                                    - 19 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

8.   发放贷款和垫款 - 续

(4) 按地区分布情况

                                                                      本集团
       地区                                     2013 年 6 月 30 日              2012 年 12 月 31 日
                                              金额            比例%             金额          比例%

       华北及东北                            266,104         34.44             250,050        34.72
       华东                                  238,072         30.81             224,428        31.16
       华南及华中                            156,817         20.30             140,345        19.49
       西部                                   111,678
                                             _______         14.45
                                                            ______             105,345
                                                                               _______        14.63
                                                                                             ______
       发放贷款和垫款总额                    772,671
                                             _______        100.00
                                                            ______             720,168
                                                                               _______       100.00
                                                                                             ______
       减:贷款损失准备                       (21,554)
                                             _______                            (20,307)
                                                                               _______
       发放贷款和垫款账面价值                 751,117
                                             _______                           699,861
                                                                               _______

                                                                      本银行
       地区                                     2013 年 6 月 30 日              2012 年 12 月 31 日
                                              金额            比例%             金额          比例%

       华北及东北                             265,711        34.42             249,733        34.71
       华东                                  238,072         30.84             224,428        31.19
       华南及华中                            156,817         20.32             140,345        19.51
       西部                                   111,331
                                             _______         14.42
                                                            ______             104,936
                                                                               _______        14.59
                                                                                             ______
       发放贷款和垫款总额                    771,931
                                             _______        100.00
                                                            ______             719,442
                                                                               _______       100.00
                                                                                             ______
       减:贷款损失准备                       (21,542)
                                             _______                            (20,298)
                                                                               _______
       发放贷款和垫款账面价值                750,389
                                             _______                           699,144
                                                                               _______

       华北及东北地区:包括北京、天津、河北、山东、辽宁、内蒙古、吉林
       华东地区:包括江苏、上海、浙江、安徽
       华南及华中地区:包括广东、广西、湖北、湖南、山西、福建、河南、江西
       西部地区:包括陕西、新疆、四川、重庆、云南




                                                                                                      - 20 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

8.   发放贷款和垫款 - 续

(5) 按担保方式分布情况

                                                         本集团                          本银行
                                                2013 年         2012 年         2013 年         2012 年
                                               6 月 30 日      12 月 31 日     6 月 30 日      12 月 31 日

       信用贷款                                  111,212         111,247          111,211        111,245
       保证贷款                                 254,512         233,980          253,960        233,519
       附担保物贷款                             406,947         374,941          406,760        374,678
       其中:抵押贷款                           306,526         263,213          306,365        263,056
             质押贷款                           100,421          111,728         100,395         111,622
       减:贷款损失准备                          (21,554)
                                                _______          (20,307)
                                                                _______           (21,542)
                                                                                 _______         (20,298)
                                                                                                _______
       发放贷款和垫款账面价值                    751,117
                                                _______         699,861
                                                                _______          750,389
                                                                                 _______        699,144
                                                                                                _______

(6) 逾期贷款

                                                          本集团及本银行
                                                         2013 年 6 月 30 日
                              逾期 1 天至 逾期 91 天至 360 逾期 361 天至
                             90 天(含 90 天) 天(含 360 天)    3 年(含 3 年)   逾期 3 年以上       合计

       信用贷款                      382            58              23              27              490
       保证贷款                    1,864         1,811             959             250            4,884
       抵押贷款                    1,730         1,638           1,193             287            4,848
       质押贷款                      647
                                   ____            853
                                                 ____              367
                                                                 ____              219
                                                                                   ___            2,086
                                                                                                 _____
       合计                        4,623
                                   ____          4,360
                                                 ____            2,542
                                                                 ____              783
                                                                                   ___          12,308
                                                                                                _____

                                                          本集团及本银行
                                                         2012 年 12 月 31 日
                              逾期 1 天至 逾期 91 天至 360 逾期 361 天至
                             90 天(含 90 天) 天(含 360 天)    3 年(含 3 年) 逾期 3 年以上         合计

       信用贷款                      251            26              30               -             307
       保证贷款                    1,205         1,183             446             350           3,184
       抵押贷款                    1,200         1,031             968             374           3,573
       质押贷款                      530
                                   ____            465
                                                 ____              297
                                                                  ____             205
                                                                                   ___           1,497
                                                                                                 ____
       合计                        3,186
                                   ____          2,705
                                                 ____            1,741
                                                                 ____              929
                                                                                   ___           8,561
                                                                                                 ____

       注:    任何一期本金或利息逾期 1 天,整笔贷款将归类为逾期贷款。




                                                                                                          - 21 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

8.   发放贷款和垫款 - 续

(7) 贷款减值准备

                                                                        本集团
                                    2013 年 6 月 30 日止 6 个月                              2012 年
                            个别方式评估 组合方式评估                       个别方式评估   组合方式评估
                              减值准备        减值准备          合计          减值准备       减值准备     合计

       期初余额                 3,606          16,701         20,307             3,210        14,049      17,259
       本期计提                    972          1,224          2,196             1,159         2,652       3,811
       本期收回已核销贷款           53               1            54               141          -            141
       已减值贷款利息冲转        (142)              (4)         (146)             (204)         -           (204)
       本期核销                  (836)             (21)         (857)             (691)         -           (691)
       本期转出                  -
                                ____             -
                                               _____            -
                                                              _____              ____(9)        -
                                                                                              _____       _____(9)
       期末余额                 3,653          17,901         21,554             3,606        16,701      20,307
                                ____           _____          _____              ____         _____       _____

                                                                        本银行
                                    2013 年 6 月 30 日止 6 个月                              2012 年
                            个别方式评估 组合方式评估                       个别方式评估   组合方式评估
                              减值准备        减值准备          合计          减值准备       减值准备     合计

       期初余额                 3,606          16,692         20,298             3,210        14,048      17,258
       本期计提                    971          1,222          2,193             1,160         2,644       3,804
       本期收回已核销贷款           53               1            54               141          -            141
       已减值贷款利息冲转        (142)              (4)         (146)             (204)         -           (204)
       本期核销                  (836)             (21)         (857)             (692)         -           (692)
       本期转出                  -
                                ____             -
                                               _____            -
                                                              _____              ____(9)        -
                                                                                              _____       _____(9)
       期末余额                 3,652          17,890         21,542             3,606        16,692      20,298
                                ____           _____          _____              ____         _____       _____




                                                                                                                     - 22 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

9.   可供出售金融资产
                                                                           本集团及本银行
                                                                    2013 年              2012 年
                                                                   6 月 30 日          12 月 31 日

       政府债券                                                        7,708                6,854
       公共实体及准政府债券                                           21,385               20,651
       公司债券                                                       39,122
                                                                     ______                31,661
                                                                                          ______
       合计                                                           68,215
                                                                     ______                59,166
                                                                                          ______

10. 持有至到期投资

                                                                           本集团及本银行
                                                                    2013 年              2012 年
                                                                   6 月 30 日          12 月 31 日

       政府债券                                                       75,183               75,372
       公共实体及准政府债券                                           15,215               17,016
       金融机构债券                                                   13,369               13,768
       公司债券                                                        6,967
                                                                     _______                7,300
                                                                                          _______
       合计                                                           110,734
                                                                     _______               113,456
                                                                                          _______

       (1)    本期末本集团所持有的分类为持有至到期投资债券中有面值人民币 38.82 亿元用于如下质押:

               a. 本集团受财政部委托进行法国开发署中间信贷,向财政部质押 0.40 亿欧元等值国债(债券面值
                      3.62 亿元人民币),质押期限到 2020 年 6 月 15 日;

               b. 本集团受财政部委托进行世界银行中国节能转贷 1 亿美元,向财政部质押面值为 7.20 亿元人
                      民币的国债,质押期限到 2025 年 9 月 15 日;

               c. 本集团为第三方贷款提供质押担保,质押债券面值 5.40 亿元,质权人为德意志银行(中国)有限
                      公司,最长质押期限到 2015 年 7 月 8 日;

               d. 本集团由于使用中国人民银行小额批量支付系统而质押债券面值 22.60 亿元。

       (2)    本期末本集团所持有的分类为可供出售金融资产及持有至到期投资债券中有面值人民币 830.36 亿
                元用于卖出回购证券质押和中央国库现金管理商业银行定期存款业务质押。




                                                                                                     - 23 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

11. 应收款项类投资

                                                        本集团及本银行
                                                 2013 年              2012 年
                                                6 月 30 日          12 月 31 日

       持有的保本理财产品受托投资资产             1,000
                                                  _____                  1,000
                                                                         _____



12. 应收融资租赁款

                                                             本集团
                                                 2013 年               2012 年
                                                6 月 30 日            12 月 31 日

       应收融资租赁款                             2,824                   -
       减:未实现融资收益                          (533)
                                                  _____                   -
                                                                        _____
       合计                                       2,291                   -
       减:组合方式评估应收融资租赁款减值准备       (23)
                                                  _____                   -
                                                                        _____
       应收融资租赁款净值                         2,268
                                                  _____                   -
                                                                        _____

                                                             本集团
                                                 2013 年               2012 年
                                                6 月 30 日            12 月 31 日

       资产负债表日后第 1 年                        441                   -
       资产负债表日后第 2 年                        446                   -
       资产负债表日后第 3 年                        446                   -
       以后年度                                   1,491
                                                  _____                   -
                                                                        _____
       最低租赁收款额合计                         2,824                   -
       未实现融资收益                              (533)
                                                  _____                   -
                                                                        _____
       合计                                       2,291                   -
       减:组合方式评估应收融资租赁款减值准备       (23)
                                                  _____                   -
                                                                        _____
       应收融资租赁款净值                         2,268
                                                  _____                   -
                                                                        _____




                                                                                    - 24 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

13. 长期股权投资

                                                         本集团                        本银行
                                                2013 年         2012 年       2013 年         2012 年
                                               6 月 30 日      12 月 31 日   6 月 30 日      12 月 31 日

       子公司
         - 华夏金融租赁有限公司                     -                -         2,460               -
         - 北京大兴华夏村镇
            银行有限责任公司                        -                -           100            100
         - 昆明呈贡华夏村镇
            银行股份有限公司                        -                -            35             35
         - 四川江油华夏村镇
            银行股份有限公司                        -                -            35             35
       其他股权投资
         - 中国银联股份有限公司        (1)        81               81            81              81
         - VISA 国际组织               (2)       ___1             ___1        _____1            ___1
       合计                                       82
                                                 ___               82
                                                                  ___         2,712
                                                                              _____             252
                                                                                                ___

       (1)    期末本集团共持有中国银联股份有限公司股份 6,250 万股。

       (2)    期末本集团共持有 VISA 国际组织股份 1,999 股。

       (3)    因上述权益工具投资在活跃市场中没有报价且其公允价值不能可靠计量,按照成本计量。截至 2013
                年 6 月 30 日止,本集团长期股权投资不存在减值情况。




                                                                                                       - 25 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

14. 固定资产

                                                          本集团
                                     房屋       办公和
                                   建筑物     电子设备   运输工具   在建工程   合计

       原值
       2013 年 1 月 1 日           6,488       4,078       118        121      10,805
       本期购置                       30         168          2          6        206
       出售/处置                   ____(1)       (16)
                                               ____          (1)
                                                           ___          (4)
                                                                      ___         (22)
                                                                               _____
       2013 年 6 月 30 日          6,517
                                   ____        4,230
                                               ____        119
                                                           ___        123
                                                                      ___      10,989
                                                                               _____
       累计折旧
       2013 年 1 月 1 日           (1,088)     (2,014)      (44)         -      (3,146)
       本期计提                        (89)      (293)       (5)         -        (387)
       出售/处置                     -
                                    ____        ____15     ___1       ___-     _____16
       2013 年 6 月 30 日          (1,177)
                                    ____       (2,292)
                                                ____        (48)
                                                           ___        ___-      (3,517)
                                                                               _____
       减值准备
       2013 年 1 月 1 日            -
                                   ____         -
                                               ____        ___-       ___-       -
                                                                               _____
       2013 年 6 月 30 日           -
                                   ____         -
                                               ____        ___-       ___-       -
                                                                               _____
       净额
       2013 年 1 月 1 日           5,400       2,064
                                   ____        ____        ___74      121
                                                                      ___       7,659
                                                                               _____
       2013 年 6 月 30 日          5,340       1,938
                                   ____        ____        ___71      123
                                                                      ___       7,472
                                                                               _____




                                                                                          - 26 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

14. 固定资产 - 续

                                                              本银行
                                     房屋       办公和
                                   建筑物     电子设备       运输工具      在建工程        合计

       原值
       2013 年 1 月 1 日           6,488        4,063          118           121           10,790
       本期购置                       30          168             2             6             206
       出售/处置                   ____(1)        (16)
                                                ____             (1)
                                                               ___             (4)
                                                                             ___              (22)
                                                                                           _____
       2013 年 6 月 30 日          6,517
                                   ____         4,215
                                                ____           119
                                                               ___           123
                                                                             ___           10,974
                                                                                           _____
       累计折旧
       2013 年 1 月 1 日           (1,088)      (2,010)         (44)            -           (3,142)
       本期计提                        (90)       (291)          (5)            -             (386)
       出售/处置                     -
                                    ____         ____15        ___1          ___-          _____16
       2013 年 6 月 30 日          (1,178)
                                    ____        (2,286)
                                                 ____           (48)
                                                               ___           ___-           (3,512)
                                                                                           _____
       减值准备
       2013 年 1 月 1 日            -
                                   ____          -
                                                ____           ___-          ___-            -
                                                                                           _____
       2013 年 6 月 30 日           -
                                   ____          -
                                                ____           ___-          ___-            -
                                                                                           _____
       净额
       2013 年 1 月 1 日           5,400        2,053
                                   ____         ____           ___74         121
                                                                             ___            7,648
                                                                                           _____
       2013 年 6 月 30 日          5,339        1,929
                                   ____         ____           ___71         123
                                                                             ___            7,462
                                                                                           _____

       本财务报表批准日,本银行 2012 年 9 月新购南宁分行办公大楼(账面原值为人民币 2.38 亿元)的产权证仍
       在办理中,本银行管理层预期相关手续不会影响本银行承继该资产的权利或对本银行的经营造成不利影
       响。




                                                                                                      - 27 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

15. 无形资产

                                                                                     本集团及本银行
                                                                                       土地使用权

       原值
       2013 年 1 月 1 日                                                                    96
       本期购置                                                                               -
       本期出售/处置                                                                       ___-
       2013 年 6 月 30 日                                                                   96
                                                                                           ___
       累计摊销
       2013 年 1 月 1 日                                                                    (4)
       本期计提                                                                             (1)
       本期出售/处置                                                                       ___-
       2013 年 6 月 30 日                                                                  ___(5)
       无形资产账面净值合计
       2013 年 1 月 1 日                                                                    92
                                                                                           ___
       2013 年 6 月 30 日                                                                   91
                                                                                           ___



16. 递延所得税项

                                                     本集团                       本银行
                                            2013 年        2012 年       2013 年         2012 年
                                           6 月 30 日     12 月 31 日   6 月 30 日      12 月 31 日

       递延所得税资产                       4,126             3,322      4,124             3,321
       递延所得税负债                         (38)
                                            _____               (43)
                                                              _____        (38)
                                                                         _____               (43)
                                                                                           _____
       合计                                 4,088
                                            _____             3,279
                                                              _____      4,086
                                                                         _____             3,278
                                                                                           _____




                                                                                                    - 28 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

16. 递延所得税项 - 续

       (1)   递延所得税余额变动情况

                                                         本集团                       本银行
                                             2013 年 1 月 1 日            2013 年 1 月 1 日               至   6
              月 30 日止期间                     2012 年 至 6 月 30 日止期间 2012 年

              期/年初余额                         3,279          2,744           3,278            2,743
              计入当期/年损益                       844            439             843              439
              计入其他综合收益                      (35)
                                                  ____              96
                                                                 ____              (35)
                                                                                 ____                96
                                                                                                  ____
              期/年末余额                         4,088
                                                  ____           3,279
                                                                 ____            4,086
                                                                                 ____             3,278
                                                                                                  ____

       (2)   递延所得税资产和负债

                                                                         本集团
                                                   2013 年 6 月 30 日              2012 年 12 月 31 日
                                                 可抵扣           递延           可抵扣           递延
                                               暂时性差异      所得税资产      暂时性差异     所得税资产

              贷款损失准备金                      10,288         2,572            7,991           1,998
              已计提尚未发放的工资                 5,153         1,288            4,089           1,022
              其他资产减值准备金                     640           160              660             165
              可供出售金融资产公允价值变动           244            61              384              96
              交易性金融资产公允价值变动             152            38              160              40
              其他                                    28
                                                  _____          ____7           _____4           ____1
              小计                                16,505
                                                  _____          4,126
                                                                 ____            13,288
                                                                                 _____            3,322
                                                                                                  ____

                                                 应纳税         递延           应纳税            递延
                                               暂时性差异     所得税负债     暂时性差异        所得税负债

              交易性金融资产公允价值变动           152
                                                   ___             38
                                                                  ___            172
                                                                                 ___               43
                                                                                                  ___




                                                                                                          - 29 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

16. 递延所得税项 - 续

       (2)     递延所得税资产和负债 - 续

                                                                             本银行
                                                   2013 年 6 月 30 日                 2012 年 12 月 31 日
                                                 可抵扣           递延              可抵扣           递延
                                               暂时性差异      所得税资产         暂时性差异     所得税资产

                贷款损失准备金                    10,281            2,570              7,988            1,997
                已计提尚未发放的工资               5,151            1,288              4,088            1,022
                其他资产减值准备金                   641              160                660              165
                可供出售金融资产公允价值变动         244               61                384               96
                交易性金融资产公允价值变动           152               38                160               40
                其他                                  28
                                                  _____             ____7             _____4            ____1
                小计                              16,497
                                                  _____             4,124
                                                                    ____              13,284
                                                                                      _____             3,321
                                                                                                        ____

                                                 应纳税           递延              应纳税            递延
                                               暂时性差异       所得税负债        暂时性差异        所得税负债

                交易性金融资产公允价值变动        152
                                                  ___                38
                                                                    ___               172
                                                                                      ___                43
                                                                                                        ___



17. 其他资产

                                                           本集团                              本银行
                                                2013 年          2012 年           2013 年           2012 年
                                               6 月 30 日       12 月 31 日       6 月 30 日        12 月 31 日

       其他应收款                 (1)             1,487             1,015             1,485             1,012
       长期待摊费用                               1,027             1,108             1,017             1,095
       待处理抵债资产             (2)               158               189               158               189
       待清算款项                                 1,767               619             1,767               618
       贵金属                                          2                 9                 2                 9
       其他长期资产                               _____6            _____6            _____6            _____6
       合计                                       4,447
                                                  _____             2,946
                                                                    _____             4,435
                                                                                      _____             2,929
                                                                                                        _____




                                                                                                                 - 30 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

17. 其他资产 - 续

       (1)   其他应收款账龄

                                                              本集团
              账龄                     2013 年 6 月 30 日                       2012 年 12 月 31 日
                               金额    比例% 坏账准备       净额       金额      比例% 坏账准备        净额

              1 年以内         1,031     50.93     (12)     1,019       457       29.35       (7)       450
              1至2年             243     12.01     (35)       208       298       19.14      (32)       266
              2至3年             138      6.82     (68)        70        90        5.78      (60)        30
              3 年以上           612
                               ____      30.24
                                        _____     (422)
                                                   ___        190
                                                            ____        712
                                                                       ____       45.73
                                                                                 _____      (443)
                                                                                             ___        269
                                                                                                       ____
              合计             2,024
                               ____    100.00
                                       _____      (537)
                                                   ___      1,487
                                                            ____       1,557
                                                                       ____      100.00
                                                                                 _____      (542)
                                                                                             ___       1,015
                                                                                                       ____

                                                              本银行
              账龄                     2013 年 6 月 30 日                       2012 年 12 月 31 日
                               金额    比例% 坏账准备       净额       金额      比例% 坏账准备        净额

              1 年以内         1,029     50.89     (12)     1,017       454       29.21       (7)       447
              1至2年             243     12.02     (35)       208       298       19.18      (32)       266
              2至3年             138      6.82     (68)        70        90        5.79      (60)        30
              3 年以上           612
                               ____      30.27
                                        _____     (422)
                                                   ___        190
                                                            ____        712
                                                                       ____       45.82
                                                                                 _____      (443)
                                                                                             ___        269
                                                                                                       ____
              合计             2,022
                               ____    100.00
                                       _____      (537)
                                                   ___      1,485
                                                            ____       1,554
                                                                       ____      100.00
                                                                                 _____      (542)
                                                                                             ___       1,012
                                                                                                       ____

       (2)   待处理抵债资产

                                                                            本集团及本银行
                                                                     2013 年              2012 年
                                                                    6 月 30 日          12 月 31 日

              房产                                                       287                    332
              股权                                                        14                     14
              其他                                                        34
                                                                        ____                     35
                                                                                               ____
              合计                                                       335                    381
              减:待处理抵债资产减值准备                                (177)
                                                                        ____                   (192)
                                                                                               ____
              净额                                                       158
                                                                        ____                    189
                                                                                               ____




                                                                                                         - 31 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

18. 资产减值准备

                                                                            本集团
                                2013 年                                                      已减值资产              2013 年
                                1月1日    本期计提     本期转入   本期收回      本期转出       利息冲转   本期核销 6 月 30 日

       存放同业减值准备              25        11         -            -                -          -           -          36
       拆出资金减值准备             120      -            -            -                -          -           -         120
       贷款损失准备              20,307     2,196         -          54                 -       (146)       (857)     21,554
       应收融资租赁款减值损失      -           23         -            -                -          -           -          23
       待处理抵债资产减值准备       192      -            -            -              (15)         -           -         177
       坏账准备                     542         6         -            -                -          -         (11)        537
       其他                        -
                                 ____      ____9         ___-       ___-             ___-       ___-        ___-      ____9
       合计                      21,186     2,245
                                 ____      ____          ___-       ___54             (15)
                                                                                     ___        (146)
                                                                                                ___         (868)
                                                                                                            ___       22,456
                                                                                                                       ____

                                                                            本银行
                                2013 年                                                      已减值资产               2013 年
                                1月1日    本期计提     本期转入   本期收回      本期转出       利息冲转   本期核销   6 月 30 日

       存放同业减值准备              25        11         -            -                -          -           -          36
       拆出资金减值准备             120      -            -            -                -          -           -         120
       贷款损失准备              20,298     2,193         -          54                 -       (146)       (857)     21,542
       待处理抵债资产减值准备       192      -            -            -              (15)         -           -         177
       坏账准备                     542         6         -            -                -          -         (11)        537
       其他                        -
                                 ____      ____9         ___-       ___-             ___-       ___-        ___-      ____9
       合计                      21,177     2,219
                                 ____      ____          ___-       ___54             (15)
                                                                                     ___        (146)
                                                                                                ___         (868)
                                                                                                            ___       22,421
                                                                                                                       ____



19. 同业及其他金融机构存放款项

                                                              本集团                                   本银行
                                                     2013 年         2012 年                  2013 年         2012 年
                                                    6 月 30 日      12 月 31 日              6 月 30 日      12 月 31 日

       同业存放款项                                  140,733          172,627                 140,994           172,815
       其他金融机构存放款项                           32,648
                                                     _______           56,628
                                                                      _______                  33,073
                                                                                              _______            56,628
                                                                                                                _______
       合计                                          173,381
                                                     _______          229,255
                                                                      _______                 174,067
                                                                                              _______           229,443
                                                                                                                _______




                                                                                                                          - 32 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

20. 拆入资金

                                                     本集团                            本银行
                                            2013 年         2012 年           2013 年         2012 年
                                           6 月 30 日      12 月 31 日       6 月 30 日      12 月 31 日

       境内银行拆入                           46,586          64,119              46,586        64,161
       境外银行拆入                            8,448           7,696               8,448         7,696
       境内非银行金融机构拆入                    250
                                             ______             -
                                                             ______                  250
                                                                                 ______           -
                                                                                               ______
       合计                                   55,284
                                             ______           71,815
                                                             ______               55,284
                                                                                 ______         71,857
                                                                                               ______



21. 卖出回购金融资产款
                                                                           本集团及本银行
                                                                    2013 年              2012 年
                                                                   6 月 30 日          12 月 31 日

       债券                                                             69,119                 7,001
       票据                                                              2,671
                                                                       ______                 40,421
                                                                                             ______
       合计                                                             71,790
                                                                       ______                 47,422
                                                                                             ______



22. 吸收存款
                                                     本集团                            本银行
                                            2013 年         2012 年           2013 年         2012 年
                                           6 月 30 日      12 月 31 日       6 月 30 日      12 月 31 日

       活期存款
         对公                                348,414          353,087            348,497        352,474
         储蓄                                 63,526           60,424             63,455         60,335
       定期存款
         对公                               351,037          338,777          351,014          338,599
         储蓄                                111,900         100,961           111,771         100,829
       汇出汇款及应解汇款                      4,538           2,031             4,533           2,030
       存入保证金                           191,234          176,944          191,099          176,819
       结构性存款                             21,917           3,715            21,917           3,715
       其他                                       25
                                           ________               61
                                                            ________                25
                                                                             ________               61
                                                                                              ________
       合计                                1,092,591
                                           ________         1,036,000
                                                            ________         1,092,311
                                                                             ________         1,034,862
                                                                                              ________




                                                                                                       - 33 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

23. 应付职工薪酬

                                                                    本集团
                                             2012 年                                    2013 年
                                            12 月 31 日    本期增加      本期减少      6 月 30 日

       工资、奖金                             4,089         3,662            (2,598)     5,153
       职工福利费                              -              285              (285)      -
       社会保险费                   (1)          16           420              (414)         22
       住房公积金                                32           266              (267)         31
       工会经费及职工教育经费                    42           144               (56)        130
       其他                         (2)       _____2          160
                                                            _____              (158)
                                                                             _____       _____4
       合计                                   4,181
                                              _____         4,937
                                                            _____            (3,778)
                                                                             _____       5,340
                                                                                         _____

                                                                    本银行
                                             2012 年                                    2013 年
                                            12 月 31 日    本期增加      本期减少      6 月 30 日

       工资、奖金                             4,088         3,655            (2,592)     5,151
       职工福利费                              -              285              (285)      -
       社会保险费                   (1)          16           420              (414)         22
       住房公积金                                32           265              (266)         31
       工会经费及职工教育经费                    41           144               (55)        130
       其他                         (2)       _____2          160
                                                            _____              (158)
                                                                             _____       _____4
       合计                                   4,179
                                              _____         4,929
                                                            _____            (3,770)
                                                                             _____       5,338
                                                                                         _____

       (1)    社会保险费包括本集团为员工缴纳的基本养老保险、医疗保险、失业保险、工伤保险、生育保险
              和企业年金。

       (2)    经本银行第四届董事会第八次会议审议通过《关于修订住房补贴办法的议案》,同意继续按照董
              事会关于实施住房分配货币化改革的决定,制定完善规范的住房补贴办法。2007 年 4 月 19 日,
              本银行制定了《华夏银行住房改革补充规定》及《华夏银行住房补贴管理实施细则》,自 2007
              年 4 月 25 日起实施。

              在参加房改的行员中选择原贷款方式的,根据本银行与职工签订的贷款协议,截至 2013 年 6 月
              30 日,预计由本银行继续承担贷款人民币 2,771.69 万元,逐年计入损益。




                                                                                                  - 34 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

24. 应交税费

                                                     本集团                               本银行
                                            2013 年         2012 年              2013 年         2012 年
                                           6 月 30 日      12 月 31 日          6 月 30 日      12 月 31 日

       企业所得税                            2,103           2,455                2,103           2,454
       营业税                                  779             919                  775             919
       城市维护建设税及教育费附加               95             106                   95             106
       其他                                    154
                                             _____             122
                                                             _____                  150
                                                                                  _____             122
                                                                                                  _____
       合计                                  3,131
                                             _____           3,602
                                                             _____                3,123
                                                                                  _____           3,601
                                                                                                  _____



25. 应付利息

                                                     本集团                               本银行
                                            2013 年         2012 年              2013 年         2012 年
                                           6 月 30 日      12 月 31 日          6 月 30 日      12 月 31 日

       应付存款利息                          7,757           7,604                7,753           7,599
       应付债券利息                             69             283                   69              283
       卖出回购利息                            143              88                  143               88
       应付其他利息                            862
                                             _____           1,210
                                                             _____                  864
                                                                                  _____            1,211
                                                                                                  _____
       合计                                  8,831
                                             _____           9,185
                                                             _____                8,829
                                                                                  _____           9,181
                                                                                                  _____



26. 预计负债

                                                                           本集团及本银行
                                                                    2013 年              2012 年
                                                                   6 月 30 日          12 月 31 日

       未决诉讼                                                          ___4                    ___4




                                                                                                           - 35 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

27. 应付债券

                                                                  本集团及本银行
       债券名称                        面值                 发行日期               债券期限   发行金额

       07 年混合资本债券     (1)       4,000        2007 年 6 月 26 日至 27 日      15 年      4,000
       10 华夏银行债         (2)       4,400
                                       ____       2010 年 2 月 26 日至 3 月 2 日    10 年      4,400
                                                                                               ____
       合计                            8,400                                                   8,400
                                       ____                                                    ____

       (1)     混合资本债

                经中国银行业监督管理委员会、中国人民银行批准,本银行于 2007 年 6 月 26 至 27 日发行人民
                币 40 亿元的混合资本债券。本期债券为 15 年期,第 10 年末至到期日期间发行人具有一次赎回
                选择权。

                本期债券固定利率品种 24 亿元,浮动利率品种 16 亿元,通过簿记建档确定的固定利率品种的
                初始发行利率为 5.89%,浮动利率品种的初始基本利差为 2%。

                本期固定利率债券按年付息,如果发行人在本期债券发行满 10 年之日不行使提前赎回权,从第
                11 计息年度开始,债券在初始发行利率的基础上提高 300 个基点,即 8.89%。

                本期浮动利率债券的年利率为基准利率与基本利差之和;基准利率为发行首日和其他各计息年度
                的起息日适用的中国人民银行公布的一年期整存整取定期储蓄存款利率;前 10 个年度基本利差
                为 2%;如果发行人在本期债满 10 年之日不行使提前赎回权,则从第 11 个年度起每个计息年度
                基本利差为在初始利差基础上提高 100 个基点,即 3%。

                本期债券起息日为 2007 年 6 月 27 日,如果发行人不行使赎回权,本期债券的计息期限自 2007
                年 6 月 27 日至 2022 年 6 月 26 日;如果发行人行使赎回权,则被赎回的本期债券的兑付日为赎
                回公告中确定的兑付日。

       (2)     次级债-10 华夏银行债

                经中国银行业监督管理委员会、中国人民银行批准,本银行于 2010 年 2 月 26 日至 3 月 2 日发行
                2010 年华夏银行股份有限公司次级债券,最终发行规模为 44 亿元。本期债券为 10 年期固定利
                率次级债券,第 5 年末附发行人赎回权。

                本期债券前 5 个计息年度的票面利率为 4.55%,在前 5 个计息年度内固定不变;如果发行人不行
                使赎回权,则从第 6 个计息年度开始到债券到期为止,后 5 个计息年度的票面利率在初始发行利
                率的基础上提高 300 个基点。




                                                                                                         - 36 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

28. 其他负债

                                                       本集团                            本银行
                                              2013 年         2012 年           2013 年         2012 年
                                             6 月 30 日      12 月 31 日       6 月 30 日      12 月 31 日

       其他应付款                              1,883             986             1,639             983
       转贷款资金                              1,128           1,159             1,128           1,159
       受托监管资金                              820             573               820             573
       递延收益                                  169              98                96              98
       代理业务款项                              125              34               125              34
       其他流动负债                            1,397
                                               _____           1,191
                                                               _____             1,397
                                                                                 _____           1,191
                                                                                                 _____
       合计                                    5,522
                                               _____           4,041
                                                               _____             5,205
                                                                                 _____           4,038
                                                                                                 _____



29. 股本

                                                                           本集团及本银行
                                                                          2013 年 6 月 30 日
                                                                       及 2012 年 12 月 31 日
                                                                   股份数(百万)           名义金额

       已注册、发行及缴足
       每股面值为人民币 1 元的 A 股                                    6,850
                                                                       _____                   6,850
                                                                                               _____
       合计                                                            6,850
                                                                       _____                   6,850
                                                                                               _____


       于2003年9月12日,本银行在上海证券交易所上市。截至2013年6月30日止六个月期间本银行股本未发生
       变动。

       于2013年6月30日,本银行有限售条件的A股为18.59亿股(2012年12月31日:18.59亿股),每股面值为人民
       币1元。

       根据2013年6月18日股东大会批准的2012年度利润分配方案,于2013年7月,本银行以2012年末本银行总
       股本6,849,725,776股为基数,向股权登记日(2013年7月23日)在册的全体股东,按照每10股转增3股,将资
       本公积转增股本,实施完成后本银行总股份变更为8,904,643,509股,增加2,054,917,733股。

       注:    A 股是指境内上市的以人民币认购和交易的普通股股票。




                                                                                                         - 37 -
华夏银行股份有限公司


财务报表附注
2013 年 1 月 1 日至 6 月 30 日止期间
(除另有注明外,金额单位均为人民币百万元)

五、   财务报表主要项目注释 - 续

30. 资本公积

                                                                 本集团及本银行
                                                       2013 年 1 月 1 日至 6 月 30 日止期间
                                             期初数       本期增加         本期减少         期末数

       资本溢价                              32,597            -                 -          32,597
       可供出售金融资产公允价值变动净额        (385)         157               (16)           (244)
       可供出售金融资产公允价值变动的
         所得税影响                             97
                                             _____           (39)
                                                             ___              ___4             62
                                                                                            _____
       合计                                  32,309
                                             _____           118
                                                             ___              (12)
                                                                              ___           32,415
                                                                                            _____

                                                      &nbs