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华夏银行(600015)公告正文

华夏银行:2014年半年度报告摘要

公告日期:2014-08-07

                          华夏银行股份有限公司 2014 年半年度报告摘要

                 §1 重要提示
                 1.1 本半年度报告摘要来自半年度报告全文,投资者欲了解详细内容,应当仔细阅读同
           时刊载于上海证券交易所网站等中国证监会指定网站上的半年度报告全文。


                 1.2 公司简介
                   股票简称                  华夏银行              股票代码                    600015
      股票上市交易所                  上海证券交易所
      联系人和联系方式                董事会秘书                         证券事务代表
      姓    名                        赵军学                             蒋震峰
      电    话                        010-85238570,85239938             010-85238570,85239938
      传    真                        010-85239605                       010-85239605
      电子信箱                        zhdb@hxb.com.cn                    zhdb@hxb.com.cn


                 §2 主要财务数据和股东变化
                 2.1 主要财务数据
                                                                              (单位:人民币百万元)
                                                                             本报告期末
                                2014 年 6 月 30 日 2013 年 12 月 31 日                      2012 年 12 月 31 日
                                                                         比上年末增减(%)
资产总额                                1,778,560            1,672,447                  6.34              1,488,860
归属于上市公司股东的净
                                           91,459              85,420                   7.07                 74,694
资产
归属于上市公司股东的每
                                            10.27                 9.59                  7.09                   8.39
股净资产(元/股)
                                                                             本报告期比
                                 2014 年 1-6 月      2013 年 1-6 月                                2012 年 1-6 月
                                                                         上年同期增减(%)
营业收入                                   26,377              22,207                 18.78                  19,452
营业利润                                   11,501               9,731                 18.19                   8,076
利润总额                                   11,600               9,738                 19.12                   8,093
归属于上市公司股东的净
                                            8,670               7,300                 18.77                   6,076
利润
归属于上市公司股东的扣
                                            8,599               7,295                 17.88                   5,922
除非经常性损益的净利润
基本每股收益(元/股)                           0.97                0.82                18.29                    0.68
扣除非经常性损益后的基
                                              0.97                0.82                18.29                    0.67
本每股收益(元/股)
稀释每股收益(元/股)                           0.97                0.82                18.29                    0.68
加权平均净资产收益率
                                              9.66                9.31   提高 0.35 个百分点                    9.09
(%)


                                                         1
     扣除非经常性损益后的加
                                                   9.58                     9.31    提高 0.27 个百分点                        8.86
     权平均净资产收益率(%)
     经营活动产生的现金流量
                                                -98,326                96,967                    -201.40                    13,723
     净额
     每股经营活动产生的现金
                                                 -11.04                    10.89                 -201.38                      1.54
     流量净额(元/股)


                    2.2 前 10 名股东持股情况表
                                                                                                      (单位:股)
  股东总数(户)                                                                    133,963
                                                    前 10 名股东持股情况
                                                                                                                   质押或冻结的股份
                                                                    持股                         持有有限售
             股东名称                                 报告期                                                                数量
                                      股东性质                      比例           持股总数      条件股份数
                                                      内增减                                                       股份
                                                                    (%)                               量                    数量
                                                                                                                   状态
首钢总公司                           国有法人              0        20.28     1,805,506,536       898,565,511        无
国网英大国际控股集团有限公司         国有法人              0        18.24     1,623,994,960       849,298,449        无
DEUTSCHE                      BANK
LUXEMBOURG S.A.                      境外法人              0         9.28          826,392,738    669,092,738        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          731,085,499                 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          389,480,000                 0     无
                                     境内非国有
润华集团股份有限公司                                       0         3.12          277,388,946                 0   质押      276,043,000
                                     法人
SAL.OPPENHEIM           JR.     &
CIE.KOMMANDITGESELLSCHA
FT AUF AKTIEN                        境外法人              0         2.50          222,560,000                 0     无
萨尔奥彭海姆股份有限合伙企

北京三吉利能源股份有限公司           国有法人              0         1.58          140,435,034                 0   质押       65,000,000
                                     境内非国有
上海健特生命科技有限公司                                   0         1.31          116,438,819                 0   质押       48,037,860
                                     法人
                                     境内非国有
广州市欣盛投资有限公司                                818,100        1.11           98,862,356                 0     无
                                     法人
                                            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                                                                                       906,941,025               人民币普通股
国网英大国际控股集团有限公司                                                                     774,696,511               人民币普通股
DEUTSCHE BANK AKTIENGESELLSCHAFT
                                                                                                 731,085,499               人民币普通股
德意志银行股份有限公司

                                                                2
红塔烟草(集团)有限责任公司                                                   389,480,000         人民币普通股
润华集团股份有限公司                                                           277,388,946         人民币普通股
SAL.OPPENHEIM JR.& CIE.KOMMANDITGESELLSCHAFT
AUF AKTIEN                                                                     222,560,000         人民币普通股
萨尔奥彭海姆股份有限合伙企业
DEUTSCHE BANK LUXEMBOURG S.A.
                                                                               157,300,000         人民币普通股
德意志银行卢森堡股份有限公司
北京三吉利能源股份有限公司                                                     140,435,034         人民币普通股
上海健特生命科技有限公司                                                       116,438,819         人民币普通股
广州市欣盛投资有限公司                                                          98,862,356         人民币普通股
上述股东关联关系或一致行动     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
的说明                         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。


                  2.3 控股股东或实际控制人变更情况
                  □适用     √不适用


                  §3 管理层讨论与分析
                  3.1 总体经营状况分析
                   资产规模稳步增长
                   报告期末,本集团总资产规模达到17,785.60亿元,比年初增加1,061.13亿元,增长
              6.34%;贷款总额8,919.52亿元,比年初增加687.83亿元,增长8.36%;存款总额12,917.94
              亿元,比年初增加1,142.02亿元,增长9.70%,快于资产增速3.36个百分点。
                   盈利能力持续提升
                   报告期内,归属于上市公司股东的净利润86.70亿元,同比增加13.70亿元,增长
              18.77%;实现中间业务收入41.44亿元,同比增加8.36亿元,增长25.27%。资产收益率0.50%,
              同比提高0.01个百分点;净资产收益率9.66%,同比提高0.35个百分点。
                   业务结构不断完善
                   一是资产负债结构继续优化。挖掘存款增存渠道,存款结构和稳定性趋好;加大对绿
              色信贷等重点业务领域的支持力度。二是完善全面预算管理,改进费用管理机制,成本收入
              比37.85%,同比下降1.15个百分点。三是加大创新业务的推广力度,中间业务收入占比
              15.71%,同比提高0.81个百分点。
                   服务水平继续提高


                                                       3
     一是服务创新不断深化。试点开展延时服务、上门及社区便民服务、老年客户金融服
务、残障人士专属金融服务。打造“智慧电子银行”,深化“体验客户”和“客户体验”机
制。二是网点经营转型不断加快,社区支行建设快速推进。三是提升产品服务客户能力。加
强供应链金融、绿色金融等重点产品推广运用,推出网上银行、移动银行专属产品,提升客
户体验。
     规范运营能力持续增强
     一是加强信用风险管理。以年度信贷政策为核心,区域信贷政策、行业信贷政策为补
充,信贷政策管理体系更趋规范,政策推动业务发展能力得到提升。二是加强信息科技风险
管理。完成异地灾备中心建设实施工作,开展信息系统应急演练。三是加强产品风险管理。
对操作环节多、流程复杂、涉及人员较广的业务或产品,加大风险评估工作力度。四是加强
案防合规管理。健全案防组织领导体系、责任追究制度体系。
     内部管理改革积极推进
     一是理财和同业业务运营体制改革稳步推进。二是内控合规管理体制和全面风险管理
架构不断完善。三是管理运行体制改革不断深入。
    小企业业务稳健发展
    报告期末,本公司小企业客户接近 25 万户,其中贷款客户超 2 万户;小企业贷款余额
超 1,900 亿元;实现“两个不低于”的监管指标。本公司积极应对互联网金融发展,依托“平
台金融”业务模式广泛对接物流速递、航空、大宗商品交易市场、市场商圈等平台客户,提
供全方位电子化金融服务。报告期末,对接平台客户超 300 个,服务小企业客户超 12,000
户;业务开展以来累计放款超 2 万笔、平均每笔贷款 43 万元;累计还款近 3 万笔、平均每
笔还款 22 万元;累计交易近 37 万笔,金额超 144 亿元。本公司持续深化小企业业务专营体
制,报告期内,在潍坊、嘉兴成立中小企业信贷部,小企业专营机构基本覆盖全行;常州、
绍兴两家小企业特色分行小企业贷款占比均超过 46%;杭州、成都等六家分行完善营销机制
建设工作稳步推进;探索建立小微支行体系。
    中间业务保持良好发展
    报告期内,实现中间业务收入 41.44 亿元,同比增加 8.36 亿元,增长 25.27%。国际业
务保持较好增长势头,国际结算量和国际业务中间业务收入同比增幅均超过 15%,贸易融资
授信客户突破 8000 户,较年初增长 12%,贸易融资资产质量良好;大力推广国内信用证、
福费廷、保理、保函、结售汇等重点产品,为客户提供集结算、融资、避险为一体的综合产
品方案,积极服务实体经济。资产托管业务托管规模达到 9,703.56 亿元,同比增长 92.41%,
实现托管手续费收入 5.05 亿元,同比增长 117.99%。理财相关业务手续费收入 8.73 亿元,
到期理财产品全部按期兑付。




                                         4
               3.2 主营业务分析
               3.2.1 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              2014 年 6 月 30 日      较上年末增减(%)                    主要原因
资产总额                                  1,778,560                        6.34   贷款等资产业务增长
负债总额                                  1,686,482                        6.31   存款等负债业务增长
归属于上市公司股东的净资产                   91,459                        7.07   净利润增加
        主要财务指标               2014 年 1-6 月       较上年同期增减(%)                    主要原因
营业收入                                     26,377                    18.78      业务规模增长、收入增加
营业利润                                     11,501                    18.19      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                    8,670                    18.77      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                      -94,410                  -195.20      现金及现金等价物减少

                 3.2.2 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           2014 年 6 月 30 日        较上年末增减(%)                     主要原因
拆出资金                                    2,299                   -89.36    拆放同业及其他金融机构减少
向中央银行借款                                 58                    93.33    子公司向中央银行借款增加
衍生金融负债                                  348                   -36.15    衍生金融负债减少
应付债券凭证                               11,378                    35.45    发行同业存单
其他负债                                   10,087                   106.32    其他负债增加
盈余公积                                    6,134                    33.78    按 2013 年利润分配方案计提盈余公积
一般准备                                   17,100                    32.06    按 2013 年利润分配方案计提一般准备
      主要会计项目             2014 年 1-6 月          较上年同期增减(%)                     主要原因
利息支出                                   23,850                    38.13    利息支出增加
手续费及佣金支出                              375                    72.81    手续费业务支出增加
投资收益                                      326                 3160.00     投资收益增加
公允价值变动收益/(损失)                       226                   679.49    公允价值变动
其他业务收入                                   14                    55.56    其他业务收入增加
资产减值损失                                3,061                    36.35    资产减值损失增加
营业外收入                                    112                   489.47    营业外收入增加
少数股东损益                                   20                  1100.00    少数股东损益增加


               3.2.3 利润表主要项目分析
               (1)利息收入
                                                                                       (单位:人民币百万元)
                                                2014 年 1-6 月                        2013 年 1-6 月
                    项目
                                            金额          占比(%)               金额          占比(%)
       对公贷款和垫款                           23,422          51.02                 20,603           56.58
       个人贷款和垫款                            4,419              9.63              3,204                8.80
       票据贴现                                     178             0.39                324                0.89
       买入返售金融资产                         10,625             23.15              4,987               13.70

                                                           5
 持有至到期投资                    2,357                     5.13          2,275                  6.25
 存放中央银行款项                  1,846                     4.02          1,622                  4.45
 可供出售金融资产                  1,493                     3.25          1,484                  4.08
 存放同业款项                          735                   1.60          1,135                  3.12
 拆出资金                              386                   0.84               543               1.49
 应收款项类投资                        241                   0.52                 -                  -
 交易性金融资产                        204                   0.45               234               0.64
 合计                             45,906                   100.00         36,411                100.00

        (2)利息支出
                                                                           (单位:人民币百万元)
                                       2014 年 1-6 月                          2013 年 1-6 月
              项目
                                 金额                  占比(%)         金额           占比(%)
吸收存款                           13,067                    54.79             11,333             65.64
同业及其他金融机构存放款项             8,882                 37.24              4,209             24.38
拆入资金                                 903                  3.79               680               3.94
卖出回购金融资产款                       787                  3.30               798               4.62
应付债务凭证                             210                  0.88               211               1.22
其他                                          1                     -             35               0.20
合计                               23,850                   100.00         17,266                100.00

        (3)手续费及佣金收入
                                                                        (单位:人民币百万元)
                                   2014 年 1-6 月                          2013 年 1-6 月
              项目
                                金额                  占比(%)         金额            占比(%)
 信用承诺                          1,078                    26.68               800              25.08
 代理业务                               973                 24.08               599              18.78
 理财业务                               873                 21.60          1,027                 32.19
 托管及其他受托业务                     523                 12.94               236               7.40
 银行卡业务                             315                  7.80               206               6.46
 顾问和咨询业务                          28                  0.69               139               4.35
 结算与清算业务                          20                  0.49                22               0.69
 其他业务                               231                  5.72               161               5.05
 合计                              4,041                   100.00          3,190                100.00


        (4)业务及管理费
                                                                         (单位:人民币百万元)
                                   2014 年 1-6 月                          2013 年 1-6 月
              项目
                                金额                  占比(%)         金额            占比(%)
 职工薪酬及福利                    5,945                    59.54          5,070                 58.54
 业务费用                          2,810                    28.14          2,570                 29.67
 折旧和摊销                        1,230                    12.32          1,021                 11.79
 合计                              9,985                   100.00          8,661                100.00

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         (5)所得税费用
                                                                     (单位:人民币百万元)
                             项   目                        2014 年 1-6 月   2013 年 1-6 月
           税前利润总额                                              11,600            9,738
           按法定税率 25%计算的所得税                                2,900               2,435
           加:不可抵扣费用的纳税影响                                 451                  385
           减:免税收入的纳税影响                                     441                  380
           合计                                                      2,910               2,440


          3.2.4 资产和负债情况分析
          (1)贷款投放情况
          按行业划分的贷款投放情况
                                                                         (单位:人民币百万元)
                                                         报告期末                        年初
                  行业分布
                                              账面余额          比例(%)       账面余额         比例(%)
制造业                                              214,938           24.10        212,017           25.75
批发和零售业                                        141,022           15.81        128,655           15.63
租赁和商务服务业                                     74,990            8.41         64,265            7.81
房地产业                                             74,366            8.34         71,924            8.74
建筑业                                               64,095            7.18         61,471            7.47
交通运输、仓储和邮政业                               47,618            5.34         42,622            5.18
采矿业                                               28,530            3.20         25,122            3.05
电力、热力、燃气及水生产和供应业                     22,881            2.56         22,561            2.74
其他对公行业                                         59,538            6.68         46,510            5.65
票据贴现                                                5,794          0.65            5,268          0.64
个人贷款                                            158,180           17.73        142,754           17.34
合计                                                891,952          100.00        823,169          100.00
          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,积极改进信贷管理,
   努力推动信贷结构的提质增效,积极支持经济结构调整,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,行业信贷结构继续保持均衡增长。


          按地区划分的贷款投放情况
                                                                         (单位:人民币百万元)
                                         报告期末                               年初
           地区分布
                              账面余额         比例(%)             账面余额          比例(%)
   华北及东北                      315,702                  35.39        289,957                 35.22
   华东                            264,553                  29.66        245,089                 29.77
   华南及华中                      184,961                  20.74        167,916                 20.40
   西部                            126,736                  14.21        120,207                 14.61
   合计                            891,952                100.00         823,169                100.00



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        前十名客户贷款情况
                                                                     (单位:人民币百万元)
                                               余额                             占比(%)
前十名贷款客户                                            23,560                                    2.64
        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 235.60 亿元,
   占期末贷款余额的 2.64%,占资本净额的 21.11%,控制在监管要求之内。


        贷款担保方式分类及占比
                                                                     (单位:人民币百万元)
                                    报告期末                                   年初
                         账面余额          占比(%)               账面余额           占比(%)
   信用贷款                   132,532                  14.86           120,630              14.66
   保证贷款                   300,964                  33.74           268,952              32.67
   附担保物贷款               458,456                  51.40           433,587              52.67
   — 抵押贷款                345,025                  38.68           335,152              40.71
   — 质押贷款                113,431                  12.72                98,435          11.96
            合计              891,952                 100.00           823,169            100.00
        报告期内,本集团贷款担保结构持续保持稳定,以抵质押贷款和保证贷款为主,合计
   占比 85.14%,风险缓释能力较强。

        (2)主要贷款及利率情况
        按业务类别分
                                                                       (单位:人民币百万元)
        项目                 平均余额                      利息                  平均利率(%)
 企业贷款                             698,868                      23,600                       6.75
 零售贷款                             149,220                       4,419                       5.92
 合计                                 848,088                      28,019                       6.61
        注:根据《中国银监会关于 2014 年非现场监管报表的通知》等有关规定,已停止计息
   的贷款不纳入生息资产范围内,贷款平均余额中不含已停止计息的贷款,下同。

        按业务期限分
                                                                       (单位:人民币百万元)
        项目                 平均余额                      利息                  平均利率(%)
 一年以内短期贷款                     435,733                      14,037                       6.44
 中长期贷款                           412,355                      13,982                       6.78
 合计                                 848,088                      28,019                       6.61
        注:一年以内短期贷款包括贴现。




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          (3)买入返售金融资产
                                                                                 (单位:人民币百万元)
                                      2014 年 6 月 30 日                          2013 年 6 月 30 日
               项目
                                     余额                  占比(%)             余额         占比(%)
        债券                                12,137               3.52              38,072              11.63
        票据                                73,016              21.14             117,022              35.74
        资产受益权                      260,193                 75.34             172,353              52.63
        合计                            345,346                100.00             327,447          100.00


          (4)主要存款及利率情况
                                                                                   (单位:人民币百万元)
           类别                    平均余额                       利息                      平均利率(%)
 企业活期存款                               367,013                             1,401                          0.76
 企业定期存款                               628,684                             9,548                          3.04
 储蓄活期存款                                 64,158                             104                           0.32
 储蓄定期存款                               122,826                             2,014                          3.28
 合计                                   1,182,681                              13,067                          2.21


          3.3 按照业务或地区经营情况分析
          3.3.1 业务收入变动情况
                                                                                    (单位:人民币百万元)
                                                                                                  较上年同期
           业务种类           2014 年 1-6 月               占比(%)       2013 年 1-6 月
                                                                                                  增减(%)
发放贷款和垫款利息收入                   28,019                  55.37                  24,131                 16.11
买入返售金融资产利息收入                 10,625                  21.00                   4,987             113.05
持有至到期投资利息收入                      2,357                 4.66                   2,275                  3.60
存放中央银行款项利息收入                    1,846                 3.65                   1,622                 13.81
可供出售金融资产利息收入                    1,493                 2.95                   1,484                  0.61
存放同业款项利息收入                          735                 1.45                   1,135             -35.24
拆出资金利息收入                              386                 0.76                      543            -28.91
应收款项类投资利息收入                        241                 0.48                        -           不适用
交易性金融资产利息收入                        204                 0.40                      234            -12.82
手续费收入                                  4,041                 7.99                   3,190                 26.68
其他业务                                      655                 1.29                      89             635.96
合计                                     50,602                 100.00                  39,690                 27.49


          3.3.2 按照地区划分分析
                                                                                     (单位:人民币百万元)
                                                              营业收入                             营业利润
                  地区                  营业收入              比上年同期           营业利润      比上年同期
                                                              增减(%)                          增减(%)
华北、东北地区                                  10,718                  7.21              3,945                -10.28
华东地区                                            6,255              14.04              2,694                60.93

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华中、华南地区                          5,550           70.14        2,684         86.00
西部地区                                3,854           11.29        2,178         -1.76
合计                                   26,377           18.78       11,501         18.19


       §4 涉及财务报告的相关事项
       4.1 与上年度财务报告相比,会计政策、会计估计和核算方法发生变化的具体说明
        报告期内,本公司不存在会计政策、会计估计和核算方法变更。
        4.2 报告期内发生重大会计差错更正需追溯重述的,公司需说明情况、更正金额、原因
   及其影响
        报告期内,本公司不存在重大会计差错更正。
        4.3 与上年度财务报告相比,对财务报表合并范围发生变化的具体说明
        报告期内,本公司财务报表合并范围未发生变化。




                                                           董事长:吴建
                                                   华夏银行股份有限公司董事会
                                                       二〇一四年八月五日




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