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华夏银行(600015)公告正文

华夏银行:2014年半年度报告

公告日期:2014-08-07

   华夏银行股份有限公司

HUA XIA BANK CO., Limited.

   二〇一四年半年度报告




      二〇一四年八月五日
                                 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、本公司第七届董事会第六次会议于 2014 年 8 月 5 日审议通过了《华夏银
行股份有限公司 2014 年半年度报告》及摘要。会议应到董事 18 人,实到董事 15
人。方建一副董事长委托邹立宾董事行使表决权,Christian K. Ricken 董事委托吴
建董事长行使表决权,杨德林独立董事委托曾湘泉独立董事行使表决权。有效表
决票 18 票。5 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、财务负责人关文杰及会计机构负责人
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 ................................................................................................19

第四节 重要事项 ....................................................................................................30

第五节 股本变动及股东情况 ................................................................................35

第六节 董事、监事、高级管理人员情况 ............................................................37

第七节 财务报告 ....................................................................................................39

第八节 备查文件目录 ............................................................................................39




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                              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          华夏银行股份有限公司
SHIBOR          上海银行间同业拆放利率
元              人民币元




                                   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:百万元)
                                                                       本报告期末
                         2014 年 6 月 30 日    2013 年 12 月 31 日   比上年末增减         2012 年 12 月 31 日
                                                                         (%)
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      上年同期增减           2012 年 1-6 月
                                                                         (%)
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




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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
(%)
扣除非经常性损益后的加
权平均净资产收益率                     9.58                9.31    提高 0.27 个百分点                          8.86
(%)
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)


        非经常性损益项目和金额:
                                                                               (单位:百万元)
                         非经常性损益项目                                    2014 年 1-6 月
     固定资产处置损益                                                                                   -1
     其他营业外收支净额                                                                                100
     非经常性损益总额                                                                                   99
     减:非经常性损益的所得税影响数                                                                     27
     非经常性损益净额                                                                                   72
     减:归属于少数股东的非经常性损益净影响数(税后)                                                    1
     归属于母公司普通股股东的非经常性损益                                                               71
        注:有关指标根据《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)》、《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(2014 年修订)》及《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。


            补充财务比例
                项目              2014 年 1-6 月           2013 年 1-6 月            2012 年 1-6 月
        净利差(%)                           2.44                  2.54                              2.59
        净息差(%)                           2.61                  2.70                              2.80
             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
                                            加权平均净资产收益率          每股收益(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                        9.66              0.97            0.97
        扣除非经常性损益后归属于公司
                                                            9.58              0.97                    0.97
        普通股股东的净利润
        注: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。




                                                    5
            (三)报告期内股东权益变动情况
                                                                            (单位:百万元)
                                                                   未分配利 少数股东 股东权益
      项目        股本       资本公积   盈余公积        一般准备
                                                                     润         权益      合计
    期初余额         8,905     28,693       4,585         12,949     30,288         599     86,019
    本期增加             -      1,136       1,549          4,151       8,670         20     15,526
    本期减少             -       -107           -              -       9,574          -      9,467
    期末余额         8,905     29,936       6,134         17,100     29,384         619     92,078
    股东权益主要变动原因:
    1、“资本公积”增加是报告期内可供出售金融资产公允价值变动对所有者权益影响金额(税
    后)所致,本期减少是报告期内可供出售金融资产公允价值变动转入当期损益金额(税后)所
    致。
    2、根据 2014 年 5 月 22 日股东大会批准的本公司 2013 年度利润分配方案,本公司提取法定盈
    余公积 15.49 亿元,提取一般准备 41.51 亿元,向全体股东派发现金股息,每 10 股派 4.35 元
    (含税),共分配股利 38.74 亿元。“盈余公积”和“一般准备”增加,“未分配利润”减少是由于上述
    原因所致。
    3、“未分配利润”增加是由于本报告期内净利润增加所致。
    4、“少数股东权益”增加是由于本报告期内本集团非全资子公司实现净利润所致。


      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:百万元)
             项目                 2014 年 6 月 30 日        2013 年 12 月 31 日      2012 年 12 月 31 日
资产总额                                    1,778,560                  1,672,447                1,488,860
负债总额                                    1,686,482                  1,586,428                1,414,137
归属于上市公司股东的净资产                     91,459                     85,420                    74,694
存款总额                                    1,291,794                  1,177,592                1,036,000
其中: 企业活期存款                           401,259                    393,615                  353,087
    企业定期存款                              420,249                    377,330                  338,777
    储蓄活期存款                               85,882                     83,613                    60,424
    储蓄定期存款                              122,989                    113,110                  100,961
    其他存款                                  261,415                    209,924                  182,751
贷款总额                                      891,952                    823,169                  720,168
其中:正常贷款                                883,644                    815,726                  713,829
    不良贷款                                    8,308                      7,443                     6,339
同业拆入                                       37,543                     35,538                    71,815
贷款损失准备                                   24,217                     22,443                    20,307


           (二)报告期末资本构成及其变化情况
           1、按照《商业银行资本管理办法(试行)》计量
                                                                              (单位:百万元)
                                          2014 年 6 月 30 日             2013 年 12 月 31 日
                  项目
                                        并表           非并表            并表          非并表
      1.总资本净额                        111,616         108,025          105,621        102,315




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      1.1:核心一级资本                   91,955        91,359       85,826        85,322
      1.2:核心一级资本扣减项                  1         2,630            -         2,630
      1.3:核心一级资本净额               91,954        88,729       85,826        82,692
      1.4:其他一级资本                       20             -            4             -
      1.5:其他一级资本扣减项                  -             -            -             -
      1.6:一级资本净额                   91,974        88,729       85,830        82,692
      1.7:二级资本                       19,642        19,296       19,791        19,623
      1.8:二级资本扣减项                      -             -            -             -
      2.信用风险加权资产               1,041,543     1,018,659     988,581        977,130
      3.市场风险加权资产                   5,749         5,749        6,665         6,665
      4.操作风险加权资产                  74,210        74,029       74,210        74,029
      5.风险加权资产合计               1,121,502     1,098,437   1,069,456      1,057,824
      6.核心一级资本充足率
                                            8.20          8.08         8.03          7.82
      (%)
      7.一级资本充足率(%)                 8.20          8.08         8.03          7.82
      8.资本充足率(%)                     9.95          9.83         9.88          9.67
      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%,本期本公司不合格二级资本工具可计入金额为 67.20 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。


        2、按照《商业银行资本充足率管理办法》计量
                                                                                   (单位:百万元)
                                     2014 年 6 月 30 日      2013 年 12 月 31 日     2012 年 12 月 31 日
             项目
                                     并表        非并表        并表     非并表              并表
资本净额                             117,218       113,611    105,969 102,623                     94,708
其中:核心资本                        91,908        91,189     82,058     81,471                  71,464
      核心资本扣减项                        -        1,315           -     1,315                        -
      核心资本净额                    91,908        89,874     82,058     80,156                  71,464
      附属资本                        26,280        26,022     24,881     24,752                  24,202
      总扣减项                           970         3,600         970     3,600                     958
风险加权资产及市场风险资本调整     1,037,797 1,014,874        969,303 957,750                    873,214
资本充足率(%)                        11.29         11.19       10.93     10.72                   10.85
核心资本充足率(%)                     8.86          8.86        8.47      8.37                    8.18
    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




                                               7
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、核心资本净额=核心资本-核心资本扣减项
    3、资本净额=核心资本+附属资本-总扣减项


    3、根据银监会《关于商业银行资本构成信息披露的监管要求》,有关本集团
资本构成、资本工具主要特征等详细信息,详见本公司官方网站
(www.hxb.com.cn)投资者关系专栏。


    (三)截止报告期末前三年的主要财务指标
        项目(%)          标准值 2014 年 1-6 月          2013 年          2012 年
资产利润率                                    0.50                 0.98                 0.94
资本利润率                                    9.76                19.30                18.46
不良贷款率                                    0.93                 0.90                 0.88
              人民币                         68.17                69.11                68.62
存贷款比例    外币                         107.61                103.09               106.20
              本外币合计     ≤75            69.05                69.90                69.51
资产流动性    人民币                         35.12                30.63                33.95
比例          外币                           35.81                56.63                50.44
单一最大客户贷款比率         ≤10             5.39                 5.59                 6.23
最大十家客户贷款比率         ≤50            21.11                23.84                27.38
拨备覆盖率                                 291.49                301.53               320.34
贷款拨备率                                    2.72                 2.73                 2.82
成本收入比                                   37.85                38.93                39.95
注:1、报告期内,资产利润率和资本利润率未年化。
    2、单一最大客户贷款比率=最大一家客户贷款总额/(总)资本净额×100%
    3、最大十家客户贷款比率=最大十家客户贷款总额/(总)资本净额×100%
    其中:本报告期及 2013 年,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,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:
         项目(%)        2014 年 6 月末              2013 年            2012 年
     正常类贷款迁徙率                1.41                 2.88               1.83
     关注类贷款迁徙率               21.86                23.17              13.70
     次级类贷款迁徙率               95.53                91.73              78.28
     可疑类贷款迁徙率               23.54                27.65              23.40
    注:迁徙率根据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%。




                                            8
       (四)生息资产、计息负债及平均利率情况
                                                                      (单位:百万元)
               类别             平均余额             利息              平均利率(%)
       生息资产:
       发放贷款及垫款                  848,088              28,019                  6.61
       存放中央银行款项                249,551               1,846                  1.48
       同业资产                        398,708              11,746                  5.89
       债券等投资                      190,605               4,295                  4.51
       生息资产合计                  1,686,952              45,906                  5.44
       计息负债:
       吸收存款                      1,182,681              13,067           2.21
       向中央银行借款                       37                   1           5.41
       同业负债                        399,122              10,572           5.30
       应付债券凭证                      8,460                 210           4.96
       计息负债合计                  1,590,300              23,850           3.00
       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。


       (五)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
       本公司立足经济中心城市,辐射全国,按照总、分、支三级组织管理体系进
  行分支机构规划设置、日常经营和内部管理。
       截止报告期末,本公司已在北京、南京、杭州、上海、济南、昆明、深圳、
  沈阳、广州、武汉、重庆、成都、西安、乌鲁木齐、大连、太原、青岛、温州、
  石家庄、福州、呼和浩特、天津、宁波、绍兴、南宁、常州、苏州、无锡、长
  沙、合肥、厦门、长春、郑州、南昌等城市设立了34家一级分行,营业网点达到
  558家,覆盖78个地级以上城市。报告期内新增营业网点19家。


       2、分支机构基本情况
                                                                                   资产规模
  机构名称                      营业地址                        机构数    职员数
                                                                                   (百万元)
总行           北京市东城区建国门内大街 22 号                              1,470           746,741
北京分行       北京市西城区金融大街 11 号                            57    2,355           253,249
南京分行       南京市中山路 81 号                                    33    1,434           113,759
杭州分行       杭州市庆春路 73 号                                    29    1,383            90,956
上海分行       上海市浦东南路 256 号                                 27      965            65,709
济南分行       济南市纬二路 138 号                                   33    1,475            85,182
昆明分行       昆明市威远街 98 号                                    20      714            68,306
深圳分行       深圳市福田区深南中路 3037 号南光捷佳大厦              23      788            66,591
沈阳分行       沈阳市沈河区青年大街 51 号                            16      727            55,182




                                                 9
广州分行       广州市天河区华夏路 13 号南岳大厦                     20      916         94,154
武汉分行       武汉市武昌区民主路 786 号华银大厦                    20      878         70,880
重庆分行       重庆市江北区江北城西大街 27 号                       19      716         88,305
成都分行       成都市武侯区航空路 1 号                              20      714         53,476
西安分行       西安市长安北路 111 号                                13      511         31,253
乌鲁木齐分行   乌鲁木齐市东风路 15 号                                8      305         17,380
大连分行       大连市中山区同兴街 25 号                             11      532         50,132
青岛分行       青岛市市南区东海西路 5 号                            20      892         42,692
太原分行       太原市迎泽大街 113 号                                18      925         63,591
温州分行       温州市车站大道神力大厦                               15      599         39,033
福州分行       福州市鼓楼区古田支路 1 号华夏大厦                    12      472         28,120
呼和浩特分行   呼和浩特市回民区中山西路 1 号首府广场                10      507         34,202
               天津市河西区宾水道增 9 号环渤海发展中心 E
天津分行                                                            15      556         37,709
               座
石家庄分行     石家庄中山西路 48 号                                 28    1,134         75,157
宁波分行       宁波市江东区和源路 366 号                             8      375         46,136
绍兴分行       绍兴市延安路 260 号                                   8      348         23,609
南宁分行       南宁市民族大道 136-2 号华润大厦 B 座                  9      452         26,657
常州分行       常州市和平北路 162 号                                10      363         24,613
苏州分行       苏州市工业园区星海街 188 号                          16      578         48,101
无锡分行       无锡市崇安区新生路 105 号                            14      516         45,513
长沙分行       长沙市五一路 389 号华美欧国际大厦                     6      318         25,803
合肥分行       合肥市濉溪路 278 号财富广场 C 座                      6      302         20,465
厦门分行       厦门市思明区湖滨南路 62 号建设科技大厦                3      164         13,049
长春分行       长春市南关区人民大街 4888 号                          4      196         12,846
郑州分行       郑州市郑东新区商务外环路 29 号                        4      249         21,067
南昌分行       南昌市西湖区中山西路 10 号滨江首府                    3      176         17,455
区域汇总调整                                                                           -841,137
总 计                                                              558   25,005       1,755,936


        (六)报告期贷款资产质量情况
        1、贷款资产质量情况
                                                                      (单位:百万元)
          五级分类               金额              占比(%)      与上年末相比增减(%)
    正常贷款                       867,823                97.30                       8.01
    关注贷款                         15,821                1.77                     28.69
    次级贷款                          1,809                0.20                       5.79
    可疑贷款                          4,387                0.49                     28.80
    损失贷款                          2,112                0.24                     -9.24
             合计                  891,952               100.00                       8.36
        报告期内,受内外部经济环境、区域风险变化影响,本集团不良贷款余额及



                                              10
 不良贷款率有所上升,针对持续增加的资产质量管控压力,本集团着重加强了存
 量客户信贷结构优化调整,并进一步强化信贷准入管理,加大问题贷款清收处置
 力度,信贷资产质量运行整体平稳。报告期末,本集团不良贷款余额 83.08 亿元,
 比上年末增加 8.65 亿元;不良贷款率 0.93%,比上年末上升 0.03 个百分点;关注
 类贷款余额 158.21 亿元,比上年末增加 35.27 亿元,关注贷款率 1.77%,比上年末
 上升 0.28 个百分点。


     2、重组贷款和逾期贷款情况
                                                                (单位:百万元)
          分类             期初余额             期末余额          所占比例(%)
        重组贷款                      24                    1                    0
        逾期贷款                  13,178               19,415                 2.18
     注:逾期贷款包括本金或利息已逾期贷款。任何一期本金或利息逾期 1 天或以上的,整笔
 贷款归类为逾期贷款。
     报告期末,本集团重组贷款余额 0.01 亿元,比上年末减少 0.23 亿元。
     报告期内,受整体经济环境变化影响,信贷风险蔓延趋势明显,本集团逾期
 贷款余额及占比均有所上升。报告期末,本集团逾期贷款余额 194.15 亿元,比上
 年末增加 62.37 亿元,占全部贷款的比例为 2.18%,比上年末上升 0.58 个百分点。


   (七)贷款减值准备金的计提和核销情况
                                                                    (单位:百万元)
期初余额                                                                         22,443
本期计提                                                                          3,053
收回原转销贷款和垫款                                                                 78
因折现价值上升导致转出                                                               69
本期核销                                                                          1,296
本期转入                                                                              8
期末余额                                                                         24,217
 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。




                                           11
       (八)应收利息情况
                                                                        (单位:百万元)
      项目              期初余额         本期增加          本期收回           期末余额
应收利息                        7,475          678,865           677,677              8,663

       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。


       (九)抵债资产
                                                                      (单位:百万元)
                              期末数                              期初数
   类别
                   金额         计提减值准备金额         金额       计提减值准备金额
房产                      258                   90            332                   141
其他                       39                   39             39                    32
合计                      297                   129           371                     173
       报告期末,本集团抵债资产账面余额为 2.97 亿元,其中房产类为 2.58 亿元,
占全部抵债资产的 86.99%;其他类 0.39 亿元,占全部抵债资产的 13.01%。


       (十)   持有的金融债券情况
                                                                (单位:百万元)
                        类别                                    金额
   政策性金融债                                                             43,145
   商业银行金融债                                                             7,300
   国际金融公司金融债                                                            50
   商业银行次级债                                                               940
   保险公司次级债                                                             3,000
   商业银行混合资本债                                                           900
   合计                                                                     55,335




                                           12
   其中,重大金融债券的情况:
                                                                      (单位:百万元)
                                                            年利率                计提减
                      类别                          面值                到期日
                                                            (%)                 值准备
上海浦东发展银行股份有限公司 2012 年第一期金融债
券                                                  4,000       4.2     2017/2/28     —
2012 年第二期中国民生银行股份有限公司金融债券       1,500      4.39     2017/5/10     —
国家开发银行 2014 年第一期金融债券                  1,120    5.6957     2017/1/14     —
2012 年第一期招商银行股份有限公司金融债券(浮动)   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 2013 年第四十五期金融债券                920      4.97    2018/10/24     —
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     —
       注:R:一年期定期存款利率。
           S:3 个月 SHIBOR 5 日均值。


       (十一)报告期理财、托管、财富管理等业务的开展和损益情况
       1、报告期理财业务的开展和损益情况
       报告期内,本公司实现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。
       2、报告期资产证券化业务的开展和损益情况
       不适用。
       3、报告期托管业务的开展和损益情况
       报告期末,本公司托管证券投资基金、券商集合计划、银行理财、信托、保
   险等各类产品合计 552 只,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%。
       4、报告期信托业务的开展和损益情况
       不适用。
       5、报告期财富管理业务的开展和损益情况
       报告期内,本公司加大个人理财业务方面的投入,搭建新投资平台、优化管
   理流程、提升团队专业水平、拓展业务渠道,为贵宾客户提供期限、收益、渠道
   多样化理财产品,持续提升财富管理服务能力。




                                           13
     (十二)持有的衍生金融工具情况
                                                                        (单位:百万元)
                                                                        公允价值
             类别                  合约/名义金额
                                                                   资产           负债
外汇远期                                            16,816          93            71
外汇掉期                                            82,590        309           274
利率互换                                             2,150           7             3
期权合约                                               461            -            -
贵金属合约                                              82            -            -
合计                                                              409           348
 注:1、名义金额仅指在资产负债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、本公司将衍生金融工具用于对资产及负债的管理,例如,本公司对于吸收的结构性存
 款,通过利率互换降低利率风险。


     (十三)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
                                                                       (单位:百万元)
                    项目                      报告期末                     年初
 信贷承诺                                                413,555                 387,967
 其中:
   不可撤销的贷款承诺                                        759                    1,449
   银行承兑汇票                                          291,491                  286,995
   开出保函                                               14,695                   12,272
   开出信用证                                             86,274                   71,333
 租赁承诺                                                  5,946                    5,042
 资本性支出承诺                                              458                      345
     注:信贷承诺数据含未使用的信用卡额度。租赁承诺指经营租赁承诺。
     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。


     (十四)各类风险和风险管理情况
     报告期内,本公司积极应对错综复杂的风险形势,风险管理各项工作稳步推进
 并取得较好成效,各项业务继续保持稳健发展态势。
     1、信用风险管理
     (1)产生信用风险的业务活动。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




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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;总分行风险管理与
内部控制委员会有效运行,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,并持续扩大
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和控制政策。报告期内,本公司继续积极应对错
综复杂的风险形势,有效提升全面风险统筹管理能力和应对水平,信贷政策体系
继续完善、业务导向作用进一步增强;组织开展授信业务“回头看”活动,查找影响
授信质量的深层次问题并落实整改,授信业务全流程管理工作机制进一步强化。
认真组织开展授信客户梳理、产能过剩行业压降、低质客户退出工作,“盘活存
量、用好增量”和信贷结构调整取得成效。继续对房地产、政府融资平台等重点领
域实施增速及总量控制、名单制管理、上收审批权限、放款核准等举措,重点领
域资产质量运行平稳,风险管控成效较好。进一步做实做细贷后检查与风险预警
工作,加大对宏观风险信息及微观风险个案的预警跟踪力度,确保风险的及时发
现、控制及处置。加大问题资产清收处置力度,综合运用催收、诉讼、重组、核
销、市场化批量处置等多种方式,确保问题贷款的及时处置。
    (4)信贷资产风险分类程序和方法。本公司根据银监会《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、客户经理主管复核、地区信用风险管理部初审、复审、认定的逐级
分类认定程序。
    (5)信用风险基本情况
    信用敞口。报告期末,在不考虑可利用的担保物或其他信用增级的情况下,
本集团表内外信用风险敞口合计为 21,740.79 亿元。其中,表内信用风险敞口
17,605.24 亿元,占比 80.98%;表外信用风险敞口 4,135.55 亿元,占比 19.02%。
    风险集中度。报告期末,本集团最大单一法人客户贷款余额 60.20 亿元,占资
本净额 5.39%;最大十家单一法人客户贷款余额 235.60 亿元,占资本净额的
21.11%。
    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集团平均比例(0.93%)的主要是批发和零
售业(2.22%)、制造业(1.63%)、科学研究和技术服务业(1.62%),其中受区域




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及行业风险因素影响,批发和零售业、制造业资产质量压力较大,风险暴露明
显,不良贷款率较高;科学研究和技术服务业因总体贷款规模偏小,不良贷款率
较高。受区域风险形势影响,集团内华东地区不良贷款率超过集团平均比例,达
到 1.34%;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集团不良
贷款平均比例。
    (6)下半年信用风险管理措施。2014 年下半年银行信用风险防控任务将更为
艰巨,本公司将积极应对,持续改进信贷管理,提升信贷经营能力,有针对性地
系统化地强化授信业务全流程管控,强化信贷政策研究,增强信贷管理的前瞻
性、主动性、针对性;提升经营单位贷前调查和贷后检查质量,加快推进风险经
理制,强化贷前调查和贷后检查;加强授信审批工作的专业指导和日常管理,强
化授信审批质量考评,严抓授信准入质量;完善尽职调查与责任追究机制,强化
不良授信责任认定和追究力度;加快调整优化信贷业务结构,按照“严格准入、
果断退出”的原则,促进行业信贷结构的持续优化提升;持续强化重点行业、领
域贷款的风险管控,完善风险管控运行机制;继续多渠道加快不良资产处置,确
保资产质量整体可控。
    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,报告期内,本公司持续优化资产负债结
构,强化资金头寸管理,加强日常备付管理,积极拓宽同业融资渠道,确保全行
流动性安全。报告期内,本公司流动性总体平稳,未发生支付困难,无违约及延
迟支付等情况。报告期末,本集团存贷比 69.05%,本、外币流动性比例分别为
35.12%、35.81%,均符合监管要求。
    2014 年下半年,本公司将完善备付策略,保持适度备付水平,加强对同业业
务、理财业务的管理,加强和完善分行流动性管理,合理安排各项资产负债业务
规模和结构,实现流动性与效益性的动态均衡。
     3、市场风险管理
      (1)市场风险管理情况。本公司由独立的市场风险管理部门负责全行市场
风险的识别、计量、监测和控制。市场风险主要来源于利率风险和汇率风险。报
告期内,本公司加强市场风险识别和监测,有效落实市场风险策略,各项市场风
险偏好指标执行良好。继续强化市场风险整体管控,加强市场风险集中度限额管
理和期限敞口限额管理。加强对分支机构的业务支持,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,及时有
效落实市场风险管控措施。
   (2)利率风险状况。报告期内,本公司持续强化期限结构管理和定价管理,




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主动进行货币市场资金运作,细化市场化业务总量和比例管理。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,积极应对短
期市场利率下行及货币政策预调微调带来的收益率曲线风险。截至报告期末,本
公司银行账户人民币和美元利率重定价期限总缺口为 1,005.01 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减少 3.74 亿元;债券资产余额(面
值)为 1,916.59 亿元,利率敏感性指标(PV01)为 10,512.54 万元,平均待偿期限
为 9.59 年,平均久期 5.59 年。
  (3)汇率风险状况。报告期内,本公司密切关注美联储退出 QE、欧元区降息
等外围市场货币政策变化和人民币汇率改革进展。增加挂牌外汇报价频率,持续
加强外汇敞口及限额管理,积极应对人民币兑美元汇率波幅扩大至 2%等情况,有
效控制总体汇率风险。截至报告期末,累计外汇敞口头寸占资本净额的 3.10%,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 6,688.61 万元。
    4、操作风险管理
    报告期内,本公司着力完善操作风险管理组织架构,深化操作风险识别、评
估、监测和报告机制,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。
    (1)落实操作风险管理组织架构。在一级分行内控合规部设置操作风险管理
岗;在二级分行运营管理部设置操作风险管理岗;异地支行由支行会计部牵头操
作风险管理工作;同城支行层面由主管会计的副行长行使操作风险管理职责。
    (2)深化操作风险识别机制。细化系统项目开发、验收等环节的操作风险识
别要求,修订印发操作风险识别实施细则。
    (3)强化重点业务领域风险评估。对公司、个人、中小和金融市场条线的授
信业务审批流程进行梳理,组织主要业务部门选取重点业务开展全流程梳理剖析
评估工作,推动总行制度要求在支行有效落地。
    (4)完善操作风险监测机制。扩大监测范围,并在会计、信息技术、信用卡
条线建立了关键风险指标体系。提高了本公司操作风险监测水平。
    (5)建立操作风险管理报告机制。明确操作风险突发事件级别、标准、上报
路径及时限等管理要求,印发操作风险突发事件报告细则。
    (6)推进业务连续性和外包风险管理工作的开展。印发《华夏银行业务连续
性管理政策》和《华夏银行外包风险管理政策》。
    (7)推进操作风险新资本协议合规达标项目相关工作。
    5、其他风险管理
    国别风险管理: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,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




                                    17
况,及时关注乌克兰、俄罗斯、泰国等国地缘政治风险。报告期末,本公司已授
信国家(地区)的国别风险评级,均在较低风险及以下等级。报告期末已计提国
别风险拨备折人民币 5,340.07 万元,符合监管要求。
    内控合规风险管理:推动《全面内控建设规划》分解和贯彻落实,切实发挥
风险管理与内部控制委员会作用,通过内控合规风险联席会议机制实现合规风险
管理信息共享,完成内控管理体制改革,不断完善内部控制体系建设。梳理优化
业务流程,实现操作要求细化到岗位,风险控制落实到环节。进一步强化专业检
查统筹管理,按季组织开展专业检查,上半年总行专业检查分行覆盖面达到
100%。加强案防管理与组织推动,有效防范案件风险。深入开展合规管理“五覆
盖”、“四延伸”,深化问题整改长效机制,完善合规绩效管理和员工违规行为积分
管理,强化全员主动合规、尽职履责。
    信息科技风险管理:全面贯彻落实国家主管和监管部门对信息科技风险管理
工作的各项要求,不断完善信息科技风险管理工作的体制、机制,以科技、风
险、审计部门为主体的科技风险管理三道防线作用日益显著。建立总分支三级灾
备架构体系,构建生产、同城、异地灾备“三中心多活”模式,开发灾备一键式
切换平台,实现一键式切换,夯实全行业务持续运营基础;创新异构双前置应用
系统架构,实施“全方位、立体化”限流,提高系统容错能力;建立一体化运维
管理平台和网格化运维管理体系,创新基准值监控,实现风险早发现、快处理;
强化外包风险管理,实施关键系统风险总包责任制,信息科技风险意识不断强
化。目前,本公司已逐步形成了一整套支持业务发展的技术基础架构和一整套科
学的技术管理体系,信息科技风险防控能力进一步增强。
    声誉风险管理:注重对声誉风险的主动、提前防范。加强对舆情监测,发挥
机制的导向作用,提高基层员工声誉事件应对和处置技能,进一步夯实声誉风险
管理基础;加大正面宣传力度,积极营造良好舆论氛围。


    (十五)推出的创新业务品种情况
    本公司以市场变化和客户需求为导向,进一步加大产品创新力度,报告期内
共研发二十余项创新业务。在同业中较早推出了针对财务公司的一揽子金融服务
方案“银财通”业务,搭建了银财业务合作渠道,全面深入地为企业集团的成员
客户提供服务;积极响应国家环保产业政策,践行社会责任,开发了以合同能源
管理未来收益分享权为质押的合同能源管理专项融资、对节能收益所产生的应收
账款和未来收益权进行资产证券化融资等多种绿色金融服务产品。加大个人理财
产品创新,推出针对不同对象、不同期限的理财产品,满足客户的差异化需求;
与国内财产保险公司合作,创新推出保险保证贷款;发挥银联境外入网机构广泛
的服务网络优势,推出华夏卡全球速汇境外汇入业务,满足个人客户快速收付汇




                                     18
的需求。为了提升客户体验度,成功推出了移动微银行和智慧网站,充分体现了
人性化设计,让客户的业务办理变得舒适、简单、自由。不断丰富以“小、快、
灵”为特色的小企业产品,创新还款方式,优化年审制贷款;强化经营数据应用
推出网络贷子产品—POS 网贷。



                                 第三节 董事会报告

       一、财务状况分析与讨论
    报告期内,本公司认真落实年初确定的任务目标,积极推进结构调整、提高
服务质效、强化风险管控,保持平稳较快的发展势头。
    (一)总体经营状况分析
       1、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。
       2、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。
       3、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。
       4、服务水平继续提高
       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。
       5、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




                                        19
       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。
             6、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。
            7、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。
            8、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。


            (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: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
                                                   较上年同期增减
       主要财务指标            2014 年 1-6 月                                        主要原因
                                                       (%)




                                                   20
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

                  2、会计报表中变动幅度超过 30%以上的项目的情况
                                                                                               (单位: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
                                                       较上年同期增减
      主要会计项目             2014 年 1-6 月                                                 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、利润表主要项目分析
                  (1)利息收入
                                                                                      (单位: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
           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




                                                            21
        (2)利息支出
                                                                                        (单位: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: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: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

        (5)所得税费用
                                  (单位: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




                                                      22
         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:百万元)
                                                 报告期末                          年初
               行业分布                                                                 比例
                                        账面余额       比例(%)          账面余额
                                                                                        (%)
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: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



         前十名客户贷款情况
                                                                               (单位: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。



                                           23
     贷款担保方式分类及占比
                                                                      (单位: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: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: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。


     (3)买入返售金融资产
                                                                     (单位: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




                                              24
         (4)主要存款及利率情况
                                                                                 (单位: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


         (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: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


         2、按照地区划分分析
                                                                              (单位: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
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


         (四)核心竞争力分析
         报告期内,本公司全面落实发展规划,有效实施发展战略,加强改革创新,
  加快经营转型,强化规范运营,提升服务质效,持续打造核心竞争力,发展质量
  和效益继续提升。




                                              25
           1、稳步推进改革创新,创造全行发展动力
           成立了全行改革领导小组,统筹各项改革工作。成立理财及同业业务改革方
    案起草工作小组、全面风险统筹管理体制改革工作小组、推进“华夏服务”品牌建设
    工作领导小组等,有序开展各项改革方案设计和部署。理财事业部筹备组已经成
    立,上海自贸区分行筹备工作正在有序推进,为全行发展注入了新的动力。
           2、推行平台金融业务模式,培育中小企业服务优势
           坚定实施“中小企业金融服务商”战略,以“小、快、灵”为特点的小企业
    服务“龙舟计划”已在市场中树立起“优质、高效”的品牌形象。在同业首推“平台
    金融”业务模式,依托自主研发的支付融资系统,广泛对接以中型企业为主的平
    台客户,提供全方位电子化金融服务,业务量迅速扩大,初步形成对中小企业金
    融服务的特有优势。
           3、实施全面风险管理,增强风险管理能力
           稳步推进全面风险管理架构优化工作。健全了全面风险管理政策体系,形成
    了以全行年度风险管理策略为统领、以各专业条线风险策略为支撑的全面风险管
    理策略体系。持续深化单一风险的专业化管理,逐步完备各类风险管理工具。不
    断完善内控合规体系建设,加大对重点领域、重点业务、重点环节的监督检查,
    确保经营稳健运行。
           4、打造“华夏服务”品牌,提升全行服务能力
           在新的经营环境和竞争形势下,不断开发推出符合客户需求的产品,增加客
    户对产品和服务的选择性。开展京津冀地区分行一体化协同探索,确保客户走到
    哪儿本公司的服务就到哪儿。优化推出票据池、绿色信贷等适用性产品,制定新
    型城镇化建设综合金融解决方案,积极发展新兴供应链金融业务。全面推进电子
    银行专属渠道、专属产品、专属团队建设,大力推广“小龙人”移动银行,推出
    微信银行,全方位打造“第二银行”。


           (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:百万元)
                                    占该公
                                                                   报告期所   会 计
                         初始投资   司股权    期末账面   报告期
证券代码     证券简称                                              有者权益   科 目   股份来源
                         金额       比   例   价值       收益
                                                                   变动       核算
                                    (%)
                                                                              长期
V            Visa Inc.          1    0.0003          1      0.01          -   股权    会费转股
                                                                              投资




                                              26
           (2)公司持有非上市金融企业、拟上市公司股权的情况
                                                                                     (单位:百万元)
                                                                               报告期
                                             占该公司                   报告
                   初始投资     持股数量                   期末账面价          所有者 会计科     股份来
  持有对象名称                               股权比例                   期收
                     金额       (百万股)                     值              权益变 目核算       源
                                               (%)                    益
                                                                                 动
中国银联股份有限                                                                         长期股  自有资
                         81          62.50       2.13              81      -         -
公司                                                                                     权投资  金入股
北京大兴华夏村镇                                                                         长期股  自有资
                        100            100            80          100      -         -
银行有限责任公司                                                                         权投资  金入股
昆明呈贡华夏村镇                                                                         长期股  自有资
                         35             35            70           35      -         -
银行股份有限公司                                                                         权投资  金入股
四川江油华夏村镇                                                                         长期股  自有资
                         35             35            70           35      -         -
银行股份有限公司                                                                         权投资  金入股
华夏金融租赁有限                                                                         长期股  自有资
                       2,460         2,460            82        2,460      -         -
公司                                                                                     权投资  金入股
          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 12,500 万元,本公司持股 80%。报告期
       末,该行资产总额 63,995.58 万元,净资产 13,215.47 万元;存款余额 50,017.35 万
       元,同比减少 2.07%;贷款余额 37,406.00 万元,同比减少 4.92%;报告期实现净
       利润 516.49 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 38,455.17 万元,净资产 5,237.60 万元;存款余额 32,628.86 万元,同
       比增长 115.55%;贷款余额 29,063.51 万元,同比增长 47.90%;报告期实现净利润
       232.15 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
           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 52,767.14 万元,净资产 5,611.78 万元,存款余额 40,879.66 万元,同
       比增长 81.86%,贷款余额 30,923.24 万元,同比增长 105.57%;报告期实现净利润
       280.33 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%。报告期末,
       该公司资产总额 248.78 亿元,负债总额为 217.70 亿元,净资产 31.08 亿元,实现



                                                 27
利润 9,636.25 万元,各项业务发展良好。
    4、重大非募集资金投资情况
    不适用。


    二、利润分配方案执行情况
    本公司 2013 年度利润分配方案已经 2013 年度股东大会通过,具体实施情况如
下:以 2013 年末总股本 8,904,643,509 股为基数,按每 10 股派发现金红利 4.35 元
(含税),分配现金股利 38.74 亿元。
    本公司 2013 年度利润分配的股权登记日为 2014 年 7 月 9 日,除息日为 2014
年 7 月 10 日,现金红利发放日为 2014 年 7 月 10 日。公告刊登于 2014 年 7 月 4 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
    一是经济下行压力较大的状况未见明显缓解,局部性和区域性金融风险有所
显现,信贷资产质量管控的压力仍然较大。本公司将合理把握信贷投放节奏,通
过改善和优化信贷结构,提高服务实体经济的能力。
    二是金融监管更加严格规范,央行、银监会、证监会、保监会、外汇局联合
下发《关于规范金融机构同业业务的通知》,规范同业业务经营行为,本公司将积
极加强业务管理,严格防范经营风险、提高同业业务的专业化运营程度。


    四、下半年经营情况展望
    下半年,本公司将抓住经营发展关键领域和薄弱环节精准发力,确保完成年
度经营任务。
    (一)扎实推进体制机制改革
    ——完善全面风险管理和信用风险统筹管理职责,通过风险资本管理、统一
风险偏好、授信组合管理等工具有效应对各类风险,实现“全员、全方位、全过程”
的全面风险管理。
    ——深入推进理财和同业业务运营体制改革。
    ——深化机制创新发展。深化营销机制建设推广,深入结合市场特点、客户
需求,实现差异化特色经营;加速“平台金融”推广,完善分层营销机制;优化绩效
考核评价机制,落实投入产出评价机制。
    (二)持续推进结构效益型发展
    ——强化存款营销与组织。针对市场形势和客户需求变化,不断加强适用性




                                       28
新产品和替代性产品的推广和运用,通过产品营销带动存款稳定增长。
    ——做实客户维护与提升。一是继续扎实开展客户开发与服务工作,完善客
户分层营销和细分服务的组织方式和推动措施。二是持续强化客户开发,采取链
式、板块和源头开发三种成熟模式,批量开发客户。三是不断优化调整客户结
构,防范和化解风险,完善客户退出机制,提高资源使用效率。
    ——推进经济资本管理与运用。完善资本节约的内涵发展模式,坚持结构效
益型发展,强化杠杆倍数管理,扩大经济资本管理运用领域和深度,从绩效考
核、预算管理领域逐步向产品、条线、客户等维度扩展。
    (三)持续提升服务质效
    ——着力打造“第二银行”,推广并用好“华夏龙网”和“小龙人”移动银行
两个平台,加大专属渠道、专属产品、专属团队建设和推进力度。
    ——加快小型支行建设。积极推进社区支行建设,进一步完善机构体系建
设,加快推进综合型支行向小型支行转型。
    ——深入推进产品和业务创新发展。不断丰富和拓展产品种类和业务领域,
为客户提供一站式金融服务解决方案,切实做好 ETC 卡等特色产品和网点延时服
务、老年人金融、社区金融等特色服务。
    ——有效发挥信息系统的服务支撑作用。加快科技创新步伐,组织推进信息
科技综合管理项目建设,抓紧完成数据仓库的开发,为业务数据的积累、抽取分
析和统计运用提供系统支持。
    (四)保持规范安全运行
    ——持续加强内控合规管理。一是加强内控建设,完善制度流程体系。二是
健全合规管理考核体系,完善总行、分行合规管理评价指标。三是进一步规范服
务收费。
    ——持续加强信用风险管理。一是及时跟进调控政策,对信贷政策进行重检
和调整,做实行业、区域分析,明确防控措施。二是强化授信实施环节管理,加
强信贷督导。三是持续推动信贷结构优化调整。四是持续加强风险排查,强化风
险预警。五是加大清收处置力度,拓宽处置渠道,提高清收处置效率。
    ——持续加强重点风险管控。一是强化流动性风险管理,完善流动性管理架
构、制度体系和系统建设。二是强化市场风险管理,加强压力测试和应急预案演
练。三是强化信息科技风险管理,加强业务连续性管理、异地灾备体系建设及系
统运行安全和稳定性。
    ——加强重点行业、业务领域的风险管理。一是持续加强产能过剩、房地
产、钢贸等行业、政府融资平台等领域的运行监测和风险管控,促进业务平稳运
行。二是加强对重点业务的风险排查,切实加强产品集中度风险管理。




                                   29
                                  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 2 次股东大会,相关决议公告刊登在 2014 年 2 月 28
日和 5 月 23 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 6 次董事会会议,相关决议公告分别刊登在 2014 年
2 月 12 日、2 月 28 日、3 月 26 日、4 月 18 日、4 月 30 日和 6 月 27 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 5 次监事会会议,相关决议公告分别刊登在 2014 年
2 月 12 日、2 月 28 日、4 月 18 日和 5 月 21 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 20 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;通过举办分析师见面会、
投资者网络说明会等活动,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
    本报告期内无重大诉讼、仲裁和媒体普遍质疑事项。截至报告期末,本公司存
在人民币 1000 万元以上的未决诉讼案件 217 件,涉及标的人民币 62.99 亿元,其
中作为被告的未决诉讼案件 3 件,涉及标的人民币 1.34 亿元。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。




                                        30
      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:百万元)
       股东名称      持股总数(股)      2014 年 6 月末贷款余额       2013 年末贷款余额
   首钢总公司          1,805,506,536                         6,020                 5,900


    (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:百万元)
          关联企业名称                 2014 年 6 月末贷款余额        占贷款总额比例(%)
首钢总公司                                                 6,020                         0.67
吉林通钢矿业有限责任公司                                     250                         0.03
巴州凯宏矿业有限责任公司                                     150                         0.02
库车县天缘煤焦化有限责任公司                                 140                         0.02
首钢贵阳特殊钢有限责任公司                                   100                         0.01
首钢伊犁钢铁有限公司                                          45                         0.01
      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15.5亿元。
      3、报告期末,本公司向首钢总公司开立非融资保函余额 1,150.92 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山东首钢钢铁贸易
 有限公司开立银行承兑汇票余额 6,500 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首钢鹏龙钢材有限公司开立银行承兑汇票余额 910
 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
 公司的关联公司中能(大连)煤业有限公司公司开立银行承兑汇票余额 3,000 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
 的关联公司山东鲁能智能技术有限公司开立银行承兑汇票余额 548.38 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
 司山东鲁能软件技术有限公司开立银行承兑汇票余额 30 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首钢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 17,818.88 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首钢长治钢铁有限公司开立信用证余额折合人民
 币 8,000 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国家电网公司开立信用证余额 4,950.44 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北京首钢新钢联科贸有限
 公司发放贷款余额 1200 万元,向红塔烟草(集团)有限责任公司发放贷款余额
 5,000 万元,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



                                             31
限公司发放贷款余额 27,250 万元,向恒大地产集团有限公司关联公司桂林桂加房
地产有限公司发放贷款余额 11,700 万元。
    4、报告期末,本公司向全部关联公司发放的贷款余额为人民币 72.12 亿元,
占本公司贷款总额的 0.81%。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,根据银监会《商业银行与内部人和股东关联交易管理办法》,本公
司进一步强化关联交易风险管理与控制,合理控制关联交易额度,积极调整关联
交易结构,促进了公司进一步完善关联交易管理,有效地控制关联交易风险。本
公司严格执行《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,公司无重大托管、承包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)重大担保事项
   报告期内,公司除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
    报告期内,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%以上股份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




                                     32
                    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
  承诺事项          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。
  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%以上股份的股东受处罚情
  况
       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
华夏银行股份有限公司第六届董事     《中国证券报》《上
会第二十二次会议决议公告           海证券报》《证券时   2014.02.12   http://www.sse.com.cn
                                   报》
华夏银行股份有限公司第六届监事
                                         同上           2014.02.12           同上
会第十五次会议决议公告
华夏银行股份有限公司关于召开
2014 年第一次临时股东大会的通知          同上           2014.02.12           同上
公告
华夏银行股份有限公司关于实际控
制人、股东、关联方、收购人以及           同上           2014.02.14           同上
上市公司承诺履行情况的公告
华夏银行股份有限公司 2014 年第一
                                         同上           2014.02.28           同上
次临时股东大会决议公告
华夏银行股份有限公司关于第七届
                                         同上           2014.02.28           同上
监事会职工监事任职的公告
华夏银行股份有限公司第七届董事
                                         同上           2014.02.28           同上
会第一次会议决议公告
华夏银行股份有限公司第七届监事
                                         同上           2014.02.28           同上
会第一次会议决议公告
华夏银行股份有限公司关于股东权
                                         同上           2014.03.04           同上
益变动的提示性公告
华夏银行股份有限公司简式权益变
                                         同上           2014.03.05           同上
动报告书
华夏银行股份有限公司第七届董事
                                         同上           2014.03.26           同上
会第二次会议决议公告
华夏银行股份有限公司关联交易公
                                         同上           2014.03.26           同上





                                            33
华夏银行股份有限公司 2013 年年度
                                   同上   2014.04.18   同上
报告
华夏银行股份有限公司第七届董事
                                   同上   2014.04.18   同上
会第三次会议决议公告
华夏银行股份有限公司关于召开
                                   同上   2014.04.18   同上
2013 年度股东大会的通知公告
华夏银行股份有限公司第七届监事
                                   同上   2014.04.18   同上
会第二次会议决议公告
华夏银行股份有限公司关于获准在
                                   同上   2014.04.26   同上
香港发行人民币债券的公告
华夏银行股份有限公司 2014 年第一
                                   同上   2014.04.30   同上
季度报告
华夏银行股份有限公司第七届董事
                                   同上   2014.04.30   同上
会第四次会议决议公告
华夏银行股份有限公司现金分红说
                                   同上   2014.05.13   同上
明会预告公告
华夏银行股份有限公司第七届监事
                                   同上   2014.05.21   同上
会第四次会议决议公告
华夏银行股份有限公司 2013 年度股
                                   同上   2014.05.23   同上
东大会决议公告
华夏银行股份有限公司第七届董事
                                   同上   2014.06.27   同上
会第五次会议决议公告




                                     34
                                          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(+,-)
                            (2013 年 12 月 31 日)                                                     (2014 年 6 月 30 日)
                                               比例      发行        送    资本公                                          比例
                                 数量                                               其他        小计           数量
                                               (%)     新股        股    积转股                                          (%)
  一、有限售条件股份           2,416,956,698    27.14          0      0         0          0        0   2,416,956,698       27.14
  1、国家持股
  2、国有法人持股              1,747,863,960    19.63          0      0         0          0        0   1,747,863,960       19.63
  3、其他内资持股
    其中:
   境内非国有法人持股
     境内自然人持股
  4、外资持股                   669,092,738      7.51          0      0         0          0        0        669,092,738     7.51
    其中:
      境外法人持股              669,092,738      7.51          0      0         0          0        0        669,092,738     7.51
      境外自然人持股
  二、无限售条件股份           6,487,686,811    72.86          0      0         0          0        0   6,487,686,811       72.86
  1、人民币普通股              6,487,686,811    72.86          0      0         0          0        0   6,487,686,811       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                 8,904,643,509   100.00          0      0         0          0        0   8,904,643,509      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)                                                              133,963
                                                 前 10 名股东持股情况
                                                                                                                 质押或冻结的
                                                                   持股                        持有有限售
                                                      报告期                                                        股份数量
             股东名称               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




                                                           35
润华集团股份有限公司                境内非国有法人          0     3.12    277,388,946            0   质押    276,043,000
SAL.OPPENHEIM JR.&
CIE.KOMMANDITGESELLSCHAF
T 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业
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
上海健特生命科技有限公司            境内非国有法人          0     1.31    116,438,819            0   质押     48,037,860
广州市欣盛投资有限公司              境内非国有法人    818,100  1.11    98,862,356                0   无
                                             前 10 名无限售条件股东持股情况
                         股东名称                                 持有无限售条件股份数量               股份种类
首钢总公司                                                                     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
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
                                                                               222,560,000           人民币普通股
AUF AKTIEN 萨尔奥彭海姆股份有限合伙企业
DEUTSCHE BANK LUXEMBOURG S.A.
                                                                               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的      报告期内,上述前 10 名股东中德意志银行卢森堡股份有限公司是德意志银行股份有限
说明                              公司的全资子公司;德意志银行股份有限公司于 2010 年 3 月 15 日完成收购萨尔奥彭海
                                  姆股份有限合伙企业 100%权益持有人 SAL.OPPENHEIM JR.&CIE.S.C.A.的 100%股份的
                                  交割,具体内容详见本公司 2010 年 3 月 18 日临时公告。本公司未知上述其他股东之间
                                  是否存在关联关系。
             注: 本公司股东德意志银行股份有限公司协议受让萨尔奥彭海姆股份有限合伙企业所持本公
             司 171,200,000 股股份的股权变动事项,正在履行相关法定批准程序。


                 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
                                                                                    月,锁定期自 2011 年 4 月 26 日
      1        首钢总公司           898,565,511      2016.04.26       898,565,511
                                                                                    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。




                                                            36
                                                                                  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                                                          月,锁定期自 2011 年 4 月 26 日
2                             849,298,449      2016.04.26         849,298,449
          团有限公司                                                              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
       DEUTSCHE BANK                                                              者认购股份的锁定期限均为 60 个
      LUXEMBOURG S.A.                                                             月,锁定期自 2011 年 4 月 26 日
3                             669,092,738      2016.04.26         669,092,738
      德意志银行卢森堡股                                                          开始计算,本公司将向上海证券
          份有限公司                                                              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。




                                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
    邹立宾                   董事                               0          0            0        0
    丁世龙                   董事                               0          0            0        0
    Christian K. Ricken      董事                               0          0            0        0
    Choo Nyen Fui ( 朱 年
                             董事                             0            0           0         0
    辉)
    李剑波                   董事                             0            0           0         0
    樊大志                   董事、行长                       0            0           0         0
    刘春华                   董事、首席审计官                 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
    裴长洪                   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
    肖微                     独立董事                         0            0           0         0
    陈永宏                   独立董事                         0            0           0         0
    杨德林                   独立董事                         0            0           0         0
    王化成                   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




                                                      37
程晨                  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
陆志芳                外部监事                  0       0         0       0
祝卫                  外部监事                  0       0         0       0
李国鹏                职工监事、工会主席        0       0         0       0
李琦                  职工监事                  0       0         0       0
王立英                职工监事                  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
关文杰                财务负责人                0       0         0       0
Robert John Rankin    报告期内离任董事          0       0         0       0
张萌                  报告期内离任董事          0       0         0       0
骆小元                报告期内离任独立董事      0       0         0       0
卢建平                报告期内离任独立董事      0       0         0       0
盛杰民                报告期内离任独立董事      0       0         0       0
萧伟强                报告期内离任独立董事      0       0         0       0
郭建荣                报告期内离任监事          0       0         0       0
刘国林                报告期内离任监事          0       0         0       0
张国伟                报告期内离任职工监事      0       0         0       0
宋继清                报告期内离任财务负责人    0       0         0       0

       上述人员未持有本公司的股票期权及被授予的限制性股票。


          二、董事、监事、高级管理人员新聘或解聘情况
          2014 年 2 月,本公司 2014 年职工代表大会选举成燕红女士、李国鹏先生、李
     琦先生、王立英女士为第七届监事会职工监事,任期自 2014 年 2 月 27 日起。
          2014 年 2 月 27 日,本公司 2014 年第一次临时股东大会选举方建一先生、邹
     立宾先生、李汝革先生、丁世龙先生、Christian K. Ricken 先生、Choo Nyen Fui
     (朱年辉)先生、李剑波先生、吴建先生、樊大志先生、刘春华女士、任永光先
     生、赵军学先生为第七届董事会董事;选举裴长洪先生、曾湘泉先生、于长春先
     生、肖微先生、陈永宏先生、杨德林先生、王化成先生为第七届董事会独立董
     事;选举李连刚先生、田英女士、程晨女士为第七届监事会监事;选举高培勇先
     生、戚聿东先生、陆志芳先生、祝卫先生为第七届监事会外部监事。Robert John
     Rankin 先生、张萌女士不再担任董事;骆小元女士、卢建平先生、盛杰民先生、
     萧伟强先生不再担任独立董事;郭建荣先生、刘国林先生不再担任监事。
          2014 年 2 月 27 日,本公司第七届董事会第一次会议选举吴建先生为董事长;
     选举方建一先生、李汝革先生为副董事长;聘任樊大志先生为行长,任永光先
     生、王耀庭先生、李翔先生、黄金老先生为副行长,赵军学先生为董事会秘书,
     关文杰先生为财务负责人。
          2014 年 2 月 27 日,本公司第七届监事会第一次会议选举成燕红女士为监事会
     主席。



                                           38
    2014 年 6 月 30 日,Choo Nyen Fui(朱年辉)先生因个人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 2014 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
                                      二〇一四年八月五日




                                     39
                  华夏银行股份有限公司董事、高级管理人员
                  关于公司 2014 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>》(2014 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 2014 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 2014 年半
 年度报告及其摘要公允地反映了本公司 2014 年上半年的财务状况和经营成果。
      2、本公司 2014 年半年度财务报告未经审计。
      3、我们认为,本公司 2014 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。
                                                         2014 年 8 月 5 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
邹立宾                    董事
丁世龙                    董事
Christian K. Ricken       董事
李剑波                    董事
樊大志                    董事、行长
刘春华                    董事、首席审计官
任永光                    董事、副行长
赵军学                    董事、董事会秘书
裴长洪                    独立董事
曾湘泉                    独立董事
于长春                    独立董事
肖微                      独立董事
陈永宏                    独立董事
杨德林                    独立董事
王化成                    独立董事
王耀庭                    副行长
李翔                      副行长
黄金老                    副行长
关文杰                    财务负责人




                                       40
华夏银行股份有限公司

中期财务报告(未经审计)
2014 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(未经审计)
2014 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                   1-2


银行及合并利润表                         3


银行及合并现金流量表                   4-5


合并股东权益变动表                       6


银行股东权益变动表                       7


财务报表附注                           8 - 73
华夏银行股份有限公司


银行及合并资产负债表
2014 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
                                        2014 年           2013 年       2014 年          2013 年
                             附注七    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        1        293,345          262,227       293,170          262,020
  存放同业款项                  2         44,156           40,204        44,000           40,134
  拆出资金                      3          2,299           21,606         2,299           21,606
  交易性金融资产                4          7,008            8,699         7,008            8,699
  衍生金融资产                  5            409              531           409              531
  买入返售金融资产              6        345,346          327,447       345,346          327,447
  应收利息                      7          8,663            7,475         8,658            7,468
  发放贷款和垫款                8        867,735          800,726       842,959          789,119
  可供出售金融资产              9         56,325           65,134        56,325           65,134
  持有至到期投资               10        123,488          109,265       123,488          109,265
  应收款项类投资               11         12,270           11,573        12,270           11,573
  长期股权投资                 12             82               82         2,712            2,712
  固定资产                     13          8,625            8,072         8,613            8,060
  无形资产                     14             89               91            88               90
  递延所得税资产               15          4,415            4,475         4,410            4,470
  其他资产                     16          4,305
                                       _______              4,840
                                                        _______           4,181
                                                                      _______              3,934
                                                                                       _______
资产总计                               1,778,560        1,672,447     1,755,936        1,662,262
                                       _______          _______       _______          _______




                                                                                                   -1-
华夏银行股份有限公司


银行及合并资产负债表 - 续
2014 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
                                          2014 年           2013 年       2014 年          2013 年
                               附注七    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                               58                30            -                -
  同业及其他金融机构存放款项    18        254,567           278,986       255,692          280,112
  拆入资金                      19         37,543            35,538        19,036           27,842
  衍生金融负债                   5            348               545           348              545
  卖出回购金融资产款            20         56,898            59,884        56,898           59,884
  吸收存款                      21      1,291,794         1,177,592     1,290,558        1,176,288
  应付职工薪酬                  22          6,003             5,178         5,991            5,155
  应交税费                      23          3,504             3,750         3,509            3,739
  应付利息                      24         14,300            11,634        14,191           11,581
  预计负债                      25              2                 2              2                2
  应付债务凭证                  26         11,378             8,400        11,378            8,400
  其他负债                      27         10,087
                                        _______               4,889
                                                          _______           6,974
                                                                        _______              3,308
                                                                                         _______
负债合计                                1,686,482
                                        _______           1,586,428
                                                          _______       1,664,577
                                                                        _______          1,576,856
                                                                                         _______
股东权益
  股本                          28         8,905             8,905         8,905            8,905
  资本公积                      29        29,936            28,693        29,935           28,692
  盈余公积                      30         6,134             4,585         6,134            4,585
  一般准备                      31        17,100            12,949        17,100           12,949
  未分配利润                    32        29,384
                                        _______             30,288
                                                          _______         29,285
                                                                        _______            30,275
                                                                                         _______
归属于母公司股东权益合计                  91,459            85,420        91,359           85,406
少数股东权益                                 619
                                        _______                599
                                                          _______             -
                                                                        _______                -
                                                                                         _______
股东权益合计                              92,078
                                        _______             86,019
                                                          _______         91,359
                                                                        _______            85,406
                                                                                         _______
负债及股东权益总计                      1,778,560         1,672,447     1,755,936        1,662,262
                                        _______           _______       _______          _______



附注为财务报表的组成部分

第 1 页至第 73 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




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


银行及合并利润表
2014 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
                                     附注七    2014 年          2013 年     2014 年          2013 年
                                              (未经审计)      (未经审计)   (未经审计)      (未经审计)

一、营业收入                                   26,377
                                               _____           22,207
                                                               _____        26,051
                                                                            _____           22,169
                                                                                            _____
    利息净收入                        33        22,056          19,145       21,857          19,107
      利息收入                                  45,906          36,411       45,345          36,359
      利息支出                                 (23,850)        (17,266)     (23,488)        (17,252)

    手续费及佣金净收入                34         3,666           2,973        3,539           2,973
      手续费及佣金收入                           4,041           3,190        3,906           3,190
      手续费及佣金支出                            (375)           (217)        (367)           (217)

    投资收益                          35          326              10          326              10
    公允价值变动收益/(损失)           36          226             (39)         226             (39)
    汇兑收益                          37           89             109           89             109
    其他业务收入                               _____14         _____9       _____14         _____9
二、营业支出                                   (14,876)        (12,476)     (14,681)        (12,423)
    营业税金及附加                    38        (1,820)         (1,561)      (1,805)         (1,555)
    业务及管理费                      39        (9,985)         (8,661)      (9,934)         (8,640)
    资产减值损失                      40        (3,061)         (2,245)      (2,932)         (2,219)
    其他业务成本                                   (10)
                                               _____           _____(9)         (10)
                                                                            _____           _____(9)
三、营业利润                                   11,501           9,731       11,370           9,746
    加:营业外收入                                112              19          102              18
    减:营业外支出                                (13)
                                               _____              (12)
                                                               _____           (13)
                                                                            _____              (12)
                                                                                            _____
四、利润总额                                   11,600            9,738      11,459            9,752
    减:所得税费用                    41        (2,910)
                                               _____            (2,440)
                                                               _____         (2,875)
                                                                            _____            (2,440)
                                                                                            _____
五、净利润                                      8,690           7,298        8,584           7,312
                                               _____           _____        _____           _____
    归属于母公司股东的净利润                     8,670           7,300        8,584           7,312
    少数股东损益                                    20              (2)          -               -
                                               _____           _____        _____           _____
六、每股收益
    基本每股收益(人民币元)            42         0.97            0.82
                                               _____           _____
七、其他综合收益                      43        1,243
                                               _____              106
                                                               _____         1,243
                                                                            _____              106
                                                                                            _____
八、综合收益总额                                9,933           7,404        9,827           7,418
                                               _____           _____        _____           _____
    归属于母公司股东的综合收益总额               9,913           7,406        9,827           7,418
    归属于少数股东的综合收益总额                    20              (2)          -               -
                                               _____           _____        _____           _____



附注为财务报表的组成部分




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


银行及合并现金流量表
2014 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
                                         附注七    2014 年         2013 年      2014 年         2013 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
  客户存款和同业及其他金融机构
  存放款项净增加额                                  89,783             717       89,850           2,073
  向中央银行借款净增加额                                28              -            -               -
  拆出资金及买入返售金融资产净减少额                    -          159,680           -          159,879
  拆入资金净增加额                                      -            7,837           -            7,795
  收取利息、手续费及佣金的现金                      44,412          30,209       43,714          30,160
  收到其他与经营活动有关的现金                         807
                                                   ______              191
                                                                  ______            797
                                                                                ______              190
                                                                                               ______
经营活动现金流入小计                                135,030
                                                   ______          198,634
                                                                  ______         134,361
                                                                                ______          200,097
                                                                                               ______
客户贷款和垫款净增加额                              (70,777)       (55,797)      (57,477)       (53,492)
向中央银行借款净减少额                                   -             (10)           -              -
拆入资金及卖出回购金融资产款净减少额                   (981)            -        (11,792)            -
存放中央银行和同业款项净增加额                      (35,609)       (15,924)      (35,641)       (16,171)
拆出资金及买入返售金融资产净增加额                  (92,462)            -        (92,462)            -
支付利息、手续费及佣金的现金                        (21,137)       (17,412)      (20,823)       (17,396)
支付给职工以及为职工支付的现金                       (5,120)        (3,778)       (5,081)        (3,770)
支付的各项税费                                       (5,394)        (5,375)       (5,326)        (5,372)
支付其他与经营活动有关的现金                         (1,876)
                                                   ______           (3,371)
                                                                  ______          (4,173)
                                                                                ______           (3,681)
                                                                                               ______
经营活动现金流出小计                               (233,356)
                                                   ______         (101,667)
                                                                  ______        (232,775)
                                                                                ______          (99,882)
                                                                                               ______
经营活动产生的现金流量净额                 45       (98,326)
                                                   ______          96,967
                                                                  ______         (98,414)
                                                                                ______          100,215
                                                                                               ______
投资活动产生的现金流量
  收回投资收到的现金                                 64,388         18,717        64,388         18,717
  取得投资收益收到的现金                              4,673          9,869         4,673          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                           64             42            64             42
  收到其他与投资活动有关的现金                         -
                                                   ______             -
                                                                  ______            -
                                                                                ______             -
                                                                                               ______
投资活动现金流入小计                                69,125
                                                   ______          28,628
                                                                  ______         69,125
                                                                                ______          28,626
                                                                                               ______
投资支付的现金                                      (66,998)       (26,349)      (66,998)       (26,349)
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                              (990)
                                                   ______            (189)
                                                                  ______           (988)
                                                                                ______            (189)
                                                                                               ______
投资活动现金流出小计                                (67,988)
                                                   ______          (26,538)
                                                                  ______         (67,986)
                                                                                ______          (28,998)
                                                                                               ______
投资活动产生的现金流量净额                           1,137
                                                   ______           2,090
                                                                  ______          1,139
                                                                                ______            (372)
                                                                                               ______




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


银行及合并现金流量表 - 续
2014 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
                                     附注七    2014 年         2013 年      2014 年         2013 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            -             -
  发行债务凭证收到的现金                         2,978
                                               ______         ______-         2,978
                                                                            ______         ______-
筹资活动现金流入小计                             2,978
                                               ______             540
                                                              ______          2,978
                                                                            ______         ______-
分配股利、利润或偿付利息支付的现金                (422)          (425)         (422)          (425)
支付其他与筹资活动有关的现金                   ______-        ______-       ______-        ______-
筹资活动现金流出小计                              (422)
                                               ______            (425)
                                                              ______           (422)
                                                                            ______            (425)
                                                                                           ______
筹资活动产生的现金流量净额                       2,556
                                               ______             115
                                                              ______          2,556
                                                                            ______            (425)
                                                                                           ______
汇率变动对现金及现金等价物的影响额                 223
                                               ______         ______(5)         223
                                                                            ______         ______(5)
现金及现金等价物净增加额               45       (94,410)        99,167       (94,496)        99,413
加:期/年初现金及现金等价物余额                 216,347
                                               ______          145,164
                                                              ______         216,236
                                                                            ______          144,896
                                                                                           ______
期/年末现金及现金等价物余额            44       121,937        244,331       121,740        244,309
                                               ______         ______        ______         ______



附注为财务报表的组成部分




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


合并股东权益变动表
2014 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)

                                                                   归属于母公司股东权益
                                                                                                                    少数
                                     附注七    股本    资本公积    盈余公积   一般准备    未分配利润    小计      股东权益    合计

一、2014 年 1 月 1 日余额 (经审计)             8,905
                                              ____     28,693
                                                       ____         4,585
                                                                   ____       12,949
                                                                              ____         30,288
                                                                                           ____        85,420
                                                                                                       ____         599
                                                                                                                   ___       86,019
                                                                                                                             ____
二、本期增减变动金额
(一)净利润                                       -         -           -          -          8,670      8,670         20      8,690
(二)其他综合收益                       43     ____-     1,243
                                                       ____        ____-      ____-        ____-        1,243
                                                                                                       ____        ___-       1,243
                                                                                                                             ____
上述(一)和(二)小计                            ____-     1,243
                                                       ____        ____-      ____-         8,670
                                                                                           ____         9,913
                                                                                                       ____        ___20      9,933
                                                                                                                             ____
(三)利润分配
1.提取盈余公积                         32        -        -         1,549         -         (1,549)         -         -           -
2.提取一般准备                         32        -        -            -       4,151        (4,151)         -         -           -
3.股利分配                             32     ____-    ____-       ____-      ____-         (3,874)
                                                                                           ____         (3,874)
                                                                                                       ____        ___-       (3,874)
                                                                                                                             ____
三、2014 年 6 月 30 日余额
     (未经审计)
                                               8,905   29,936       6,134     17,100       29,384      91,459       619      92,078
                                              ____     ____        ____       ____         ____        ____        ___       ____

                                                                   归属于母公司股东权益
                                                                                                                    少数
                                     附注七    股本    资本公积    盈余公积   一般准备    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                       43     ____-      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
                                              ____     ____        ____       ____         ____        ____        ___       ____
一、2013 年 7 月 1 日余额
     (未经审计)                                6,850
                                              ____     32,415
                                                       ____         4,585
                                                                   ____       12,949
                                                                              ____         25,301
                                                                                           ____        82,100
                                                                                                       ____         567
                                                                                                                   ___       82,667
                                                                                                                             ____
二、本期增减变动金额
(一)净利润                                       -         -           -          -          8,206      8,206          7      8,213
(二)其他综合收益                              ____-     (1,668)
                                                       ____        ____-      ____-        ____-        (1,668)
                                                                                                       ____        ___-       (1,668)
                                                                                                                             ____
上述(一)和(二)小计                            ____-     (1,668)
                                                       ____        ____-      ____-         8,206
                                                                                           ____         6,538
                                                                                                       ____        ___7       6,545
                                                                                                                             ____
(三)股东投入股本                                 -             1       -          -            -             1        25         26
(四)利润分配
1.提取盈余公积                                   -         -           -          -             -          -           -         -
2.提取一般准备                                   -         -           -          -             -          -           -         -
3.股利分配                                       -         -           -          -         (3,219)    (3,219)         -     (3,219)
(五)股东权益内部结转
1.资本公积转增股本                     28      2,055
                                              ____      (2,055)
                                                       ____        ____-      ____-        ____-       ____-       ___-      ____-
三、2013 年 12 月 31 日余额
     (经审计)                                  8,905   28,693       4,585     12,949       30,288      85,420       599      86,019
                                              ____     ____        ____       ____         ____        ____        ___       ____



附注为财务报表的组成部分



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


银行股东权益变动表
2014 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)

                                     附注七   股本     资本公积   盈余公积   一般准备   未分配利润     合计

一、2014 年 1 月 1 日余额 (经审计)             8,905
                                              ____      28,692
                                                       _____        4,585
                                                                   ____       12,949
                                                                             _____        30,275
                                                                                         _____        85,406
                                                                                                     _____
二、本期增减变动金额
(一)净利润                                      -           -        -          -          8,584       8,584
(二)其他综合收益                       43     ____-      1,243
                                                       _____       ____-     _____-      _____-        1,243
                                                                                                     _____
上述(一)和(二)小计                            ____-      1,243
                                                       _____       ____-     _____-        8,584
                                                                                         _____         9,827
                                                                                                     _____
(三)利润分配
1.提取盈余公积                         32       -         -         1,549         -       (1,549)         -
2.提取一般准备                         32       -         -            -       4,151      (4,151)         -
3.股利分配                             32     ____-    _____-      ____-     _____-       (3,874)
                                                                                         _____        (3,874)
                                                                                                     _____
三、2014 年 6 月 30 日余额
     (未经审计)                                8,905    29,935      6,134     17,100      29,285      91,359
                                              ____     _____       ____      _____       _____       _____

                                     附注七   股本     资本公积   盈余公积   一般准备   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                       43     ____-       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
                                              ____     _____       ____      _____       _____       _____
一、2013 年 7 月 1 日余额
      (未经审计)                              6,850     32,415      4,585     12,949      25,321      82,120
二、本期增减变动金额
(一)净利润                                       -          -         -           -        8,173       8,173
(二)其他综合收益                              ____-     (1,668)
                                                       _____       ____-     _____-      _____-       (1,668)
                                                                                                     _____
上述(一)和(二)小计                            ____-     (1,668)
                                                       _____       ____-     _____-        8,173
                                                                                         _____         6,505
                                                                                                     _____
(三)利润分配
1.提取盈余公积                                   -          -         -           -            -          -
2.提取一般准备                                   -          -         -           -            -          -
3.股利分配                                       -          -         -           -        (3,219)    (3,219)
(四)股东权益内部结转
1.资本公积转增股本                     28      2,055
                                              ____      (2,055)
                                                       _____       ____-     _____-      _____-      _____-
三、2013 年 12 月 31 日余额
     (经审计)                                  8,905    28,692      4,585     12,949      30,275      85,406
                                              ____     _____       ____      _____       _____       _____



附注为财务报表的组成部分




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

财务报表附注
2014 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(以下简称“本银行”),前身为华夏银行,经中国人民银行批准于
      1992 年 10 月 14 日注册成立为全国性商业银行。1996 年 4 月 10 日,中国人民银行批准华
      夏银行采用发起设立的方式,改制成股份有限公司,并更名为华夏银行股份有限公司。于
      2003 年 7 月 21 日,本银行获中国证券监督管理委员会(以下简称“中国证监会”)批准上市发
      行 A 股,并于 2003 年 9 月 12 日挂牌上市。

      本银行经中国人民银行批准持有 B10811000H0001 号金融机构法人许可证,并经中华人民
      共和国国家工商行政管理总局核准领取注册 100000000029676 号企业法人营业执照。

      于 2004 年 5 月 21 日,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 人 民 币 700,000,000 元 转 增 资 本 , 转 增 后 的 注 册 资 本 为 人 民 币
      4,200,000,000 元,该新增股本业经北京京都会计师事务所出具北京京都验字(2004)第 0017
      号验资报告予以验证。

      于 2008 年 10 月 15 日,经中国证监会核准,本银行以非公开发行股票的方式向三家特定投
      资者包括首钢总公司、国家电网公司及德意志银行股份有限公司发行了 790,528,316 股人
      民币普通股(A 股)。增发后的注册资本为人民币 4,990,528,316 元,该新增股本业经北京京
      都会计师事务所出具北京京都验字(2008)第 0085 号验资报告予以验证。

      于 2011 年 4 月 22 日,经中国证监会核准,本银行以非公开发行股票的方式向三家特定投
      资者包括首钢总公司、英大国际控股集团有限公司(现已更名为国网英大国际控股集团有限
      公司)及德意志银行卢森堡股份有限公司发行了 1,859,197,460 股人民币普通股。增发后的
      注册资本为人民币 6,849,725,776 元,该新增股本业经京都天华会计师事务所出具京都天华
      验字(2011)第 0044 号验资报告予以验证。

      于 2013 年 7 月 18 日,本银行以 2012 年末总股本 68 亿股为基数,按照每 10 股转增 3 股的
      比 例 , 将 资 本 公 积 人 民 币 2,054,917,733 元 转 增 股 本 , 变 更 后 的 注 册 资 本 为 人 民 币
      8,904,643,509 元,该新增股本业经德勤华永会计师事务所(特殊普通合伙)出具德师报(验)字
      (13)第 0577 号验资报告予以验证。

      截至 2014 年 06 月 30 日,本银行除总行本部外,在中国大陆境内设有 34 家一级分行,营
      业网点总数达 558 家。

      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;租赁业务以及经中国银行业监督管理委员会(以下简称
      “中国银监会”)批准的其他业务。




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

财务报表附注
2014 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)

二、 财务报表编制基础

      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》(2014 年修订)披露有关财务信
      息。本中期财务报告应与本集团 2013 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 2014 年 6 月 30 日的银行及合并财务状况以及 2014 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、 遵循企业会计准则的声明

      本集团编制的财务报表符合企业会计准则的要求,真实、完整地反映了本集团于 2014 年 6
      月 30 日的银行及合并财务状况以及 2014 年 1 月 1 日至 6 月 30 日的银行及合并经营成果和
      银行及合并现金流量。


四、 重要会计政策及会计估计

      本中期财务报告所采用的会计政策与编制 2013 年度财务报表的会计政策一致。


五、 在运用会计政策中所做的重要判断和会计估计采用的关键假设和不确定因素

      本集团在运用会计政策中所做的重要判断和会计估计与编制 2013 年度财务报表时所做的
      判断和估计一致,本中期财务报表应与本集团 2013 年度财务报表一并阅读。


六、 企业合并及合并财务报表

      截至 2014 年 6 月 30 日通过设立或投资等方式取得的子公司

                                                 注册资本/
      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   少数股东权益   业务性质
                                                               (%)            (%)

      北京大兴华夏村镇       2010 年     北京      125        80.00         80.00             26          银行
      银行有限责任公司
      昆明呈贡华夏村镇       2011 年     昆明       50        70.00         70.00             17          银行
      银行股份有限公司
      四川江油华夏村镇       2011 年     江油       50        70.00         70.00             17          银行
      银行股份有限公司
      华夏金融租赁有限公司   2013 年     昆明      3,000      82.00         82.00            559        金融租赁




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

财务报表附注
2014 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)

七、 财务报表主要项目附注

1.    现金及存放中央银行款项

                                               本集团                    本银行
                                        2014 年      2013 年      2014 年      2013 年
                                       6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

      库存现金                             3,515        3,548        3,506        3,538
      存放中央银行法定存款准备金 (1)     228,128      207,782      227,995      207,615
      存放中央银行超额存款准备金 (2)      61,112       50,381       61,079       50,351
      存放中央银行的其他款项     (3)         590
                                        _______           516
                                                     _______           590
                                                                  _______           516
                                                                               _______
      合计                               293,345
                                        _______       262,227
                                                     _______       293,170
                                                                  _______       262,020
                                                                               _______

      (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。具体缴存比例为:

                                                                  2014 年      2013 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%       14.00%
               四川江油华夏村镇银行股份有限公司                   13.00%       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为缴存中央银行的财政性存款,中国人民银行对缴存的财
             政性存款不计付利息。




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

2.     存放同业款项

                                              本集团                      本银行
                                       2014 年      2013 年        2014 年      2013 年
                                      6 月 30 日  12 月 31 日     6 月 30 日  12 月 31 日

       存放境内同业                        39,506    36,768            39,350      36,698
       存放境外同业                         4,698     3,483             4,698       3,483
       减:存放同业款项减值准备
           个别方式评估                       (5)       (5)                (5)        (5)
           组合方式评估                      (43)
                                          ______       (42)
                                                    ______                (43)
                                                                       ______        (42)
                                                                                  ______
       存放同业款项账面价值                44,156
                                          ______     40,204
                                                    ______              44,000
                                                                       ______      40,134
                                                                                  ______



3.     拆出资金

                                                                本集团及本银行
                                                          2014 年           2013 年
                                                         6 月 30 日       12 月 31 日

       拆放境内同业                                            302                20,511
       拆放境内其他金融机构                                  2,111                 1,209
       减:个别方式评估拆出资金减值准备                       (114)
                                                           ______                   (114)
                                                                                 ______
       拆出资金账面价值                                      2,299
                                                           ______                 21,606
                                                                                 ______



4.     交易性金融资产

                                                                本集团及本银行
                                                          2014 年           2013 年
                                                         6 月 30 日       12 月 31 日

       公共实体及准政府债券                                    1,562                961
       金融机构债券                                                4                  5
       公司债券                                                5,442
                                                              _____               7,733
                                                                                 _____
       合计                                                    7,008
                                                              _____               8,699
                                                                                 _____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

5.     衍生金融工具

       非套期工具:

                                                       本集团及本银行
                                                      2014 年 6 月 30 日
                                      合同/名义本金    衍生金融资产         衍生金融负债

       外汇远期                            16,816             93                 71
       外汇掉期                            82,590            309                274
       利率互换                             2,150               7                  3
       期权合约                               461             -                  -
       贵金属合约                              82             -
                                                             ___                 -
                                                                                ___
       合计                                                  409
                                                             ___                348
                                                                                ___

                                                       本集团及本银行
                                                      2013 年 12 月 31 日
                                      合同/名义本金     衍生金融资产        衍生金融负债

       外汇远期                            21,583            196                209
       外汇掉期                            78,269            330                332
       利率互换                             1,300               5                  4
       期权合约                            12,160             -
                                                             ___                 -
                                                                                ___
       合计                                                  531
                                                             ___                545
                                                                                ___

       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。


6.     买入返售金融资产

                                                                 本集团及本银行
                                                           2014 年           2013 年
                                                          6 月 30 日       12 月 31 日

       债券                                                  12,137             38,072
       票据                                                  73,016            117,022
       资产受益权                                           260,193
                                                           _______             172,353
                                                                              _______
       合计                                                 345,346
                                                           _______             327,447
                                                                              _______


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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

7.     应收利息

                                                 本集团                    本银行
                                          2014 年      2013 年      2014 年      2013 年
                                         6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       买入返售金融资产利息                 3,108        2,217        3,108        2,217
       发放贷款和垫款利息                   2,262        1,968        2,257        1,963
       持有至到期投资利息                   1,500        1,379        1,500        1,379
       可供出售金融资产利息                 1,183        1,332        1,183        1,332
       存拆放资金利息                         379          324          379          322
       交易性金融资产利息                     147          114          147          114
       应收款项类投资利息                      84
                                           _____           141
                                                        _____            84
                                                                     _____           141
                                                                                  _____
       合计                                 8,663
                                           _____         7,475
                                                        _____         8,658
                                                                     _____         7,468
                                                                                  _____

       于 2014 年 6 月 30 日及 2013 年 12 月 31 日,本集团及本银行应收利息余额账龄均为一年以
       内。


8.     发放贷款和垫款

(1)    发放贷款和垫款按对公和个人分布情况如下:

                                                 本集团                    本银行
                                          2014 年      2013 年      2014 年      2013 年
                                         6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       对公贷款和垫款                      733,772     680,415      709,057      669,000
       其中:贷款                          721,506     667,773      696,792      656,373
             进出口押汇                      6,472       7,374        6,472        7,374
             贴现                            5,794
                                          _______        5,268
                                                      _______         5,793
                                                                   _______         5,253
                                                                                _______
       个人贷款和垫款                      158,180     142,754      157,859      142,441
       其中:住房抵押                      104,533      97,398      104,531       97,395
             信用卡                         24,400      18,403       24,400       18,403
             其他                           29,247
                                          _______       26,953
                                                      _______        28,928
                                                                   _______        26,643
                                                                                _______
       发放贷款和垫款总额                  891,952
                                          _______      823,169
                                                      _______       866,916
                                                                   _______       811,441
                                                                                _______
       减:发放贷款和垫款损失准备          (24,217)    (22,443)     (23,957)     (22,322)
           其中:个别方式评估               (4,604)     (4,639)      (4,604)      (4,639)
                 组合方式评估              (19,613)
                                          _______      (17,804)
                                                      _______       (19,353)
                                                                   _______       (17,683)
                                                                                _______
       合计                                867,735
                                          _______      800,726
                                                      _______       842,959
                                                                   _______       789,119
                                                                                _______
                                                                                       - 13 -
华夏银行股份有限公司

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

8.     发放贷款和垫款 - 续

(2)    发放贷款和垫款按评估方式列示如下:

                                                                         本集团
                                                         已识别的减值贷款和垫款(ii)
                                                                                                            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

       2014 年 6 月 30 日
       发放贷款和垫款总额             883,644           802          7,506          8,308      891,952        0.93%
       发放贷款和垫款损失准备         (19,079)
                                     _____             (534)
                                                      ___           (4,604)
                                                                   ____            (5,138)
                                                                                  ____         (24,217)
                                                                                              _____
       发放贷款和垫款账面价值         864,565          268          2,902          3,170       867,735
                                     _____            ___          ____           ____        _____
       2013 年 12 月 31 日
       发放贷款和垫款总额             815,726           563          6,880            7,443    823,169        0.90%
       发放贷款和垫款损失准备         (17,404)
                                     _____             (400)
                                                      ___           (4,639)
                                                                   ____            (5,039)
                                                                                  ____         (22,443)
                                                                                              _____
       发放贷款和垫款账面价值         798,322          163          2,241          2,404       800,726
                                     _____            ___          ____           ____        _____

                                                                         本银行
                                                         已识别的减值贷款和垫款(ii)
                                                                                                            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

       2014 年 6 月 30 日
       发放贷款和垫款总额             858,608           802          7,506          8,308      866,916        0.96%
       发放贷款和垫款损失准备         (18,819)
                                     _____             (534)
                                                      ___           (4,604)
                                                                   ____            (5,138)
                                                                                  ____         (23,957)
                                                                                              _____
       发放贷款和垫款账面价值         839,789          268          2,902          3,170       842,959
                                     _____            ___          ____           ____        _____
       2013 年 12 月 31 日
       发放贷款和垫款总额             803,999           563          6,879            7,442    811,441        0.92%
       发放贷款和垫款损失准备         (17,283)
                                     _____             (400)
                                                      ___           (4,639)
                                                                   ____            (5,039)
                                                                                  ____         (22,322)
                                                                                              _____
       发放贷款和垫款账面价值         786,716          163          2,240          2,403       789,119
                                     _____            ___          ____           ____        _____

       (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。

       (ii)     已识别的减值贷款和垫款包括客观依据表明存在减值迹象且已经被识别为有减值损
                失的贷款。这些贷款的损失准备以个别或组合方式评估计提。




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

8.     发放贷款和垫款 - 续

(3)    发放贷款和垫款损失准备

                                                                       本集团
                                       2014 年 6 月 30 日                             2013 年 12 月 31 日
                           个别方式评估 组合方式评估                       个别方式评估 组合方式评估
                             损失准备       损失准备         合计            损失准备      损失准备          合计

       期/年初余额             4,639           17,804        22,443             3,606         16,701         20,307
       本期/年计提             1,246            1,807         3,053             2,519          1,115          3,634
       收回原转销贷款和垫款       78               -             78               130             15            145
       因折现价值
         上升导致转出            (63)            (6)            (69)              (139)           (3)          (142)
       本期/年核销            (1,296)           -            (1,296)            (1,477)         (21)         (1,498)
       本期/年转入                -               8                8                -            -               -
       汇兑差额               ____-             -
                                             _____          _____-              ____-        _____(3)       _____(3)
       期/年末余额             4,604          19,613         24,217              4,639        17,804         22,443
                              ____           _____          _____               ____         _____          _____

                                                                       本银行
                                       2014 年 6 月 30 日                             2013 年 12 月 31 日
                           个别方式评估 组合方式评估                       个别方式评估 组合方式评估
                             损失准备       损失准备         合计            损失准备      损失准备          合计

       期/年初余额             4,639           17,683        22,322             3,606         16,692         20,298
       本期/年计提             1,246            1,676         2,922             2,519          1,003          3,522
       收回原转销贷款和垫款       78               -             78               130             15            145
       因折现价值
         上升导致转出            (63)              (6)          (69)              (139)          (3)           (142)
       本期/年核销            (1,296)           -            (1,296)            (1,477)         (21)         (1,498)
       汇兑差额               ____-          _____-         _____-              ____-        _____(3)       _____(3)
       期/年末余额             4,604          19,353         23,957              4,639        17,683         22,322
                              ____           _____          _____               ____         _____          _____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

9.     可供出售金融资产

                                                         本集团及本银行
                                                   2014 年           2013 年
                                                  6 月 30 日       12 月 31 日

       政府债券                                      8,244             9,011
       公共实体及准政府债券                         23,664            25,341
       公司债券                                     24,417
                                                   ______             30,782
                                                                     ______
       合计                                         56,325
                                                   ______             65,134
                                                                     ______
       其中:
         可供出售金融资产的摊余成本                 57,133            67,601
         累计计入其他综合收益的公允价值变动金额       (808)
                                                   ______             (2,467)
                                                                     ______
       可供出售金融资产的公允价值                   56,325
                                                   ______             65,134
                                                                     ______



10.    持有至到期投资

                                                         本集团及本银行
                                                   2014 年           2013 年
                                                  6 月 30 日       12 月 31 日

       政府债券                                     83,483            78,267
       公共实体及准政府债券                         21,270            14,592
       金融机构债券                                 11,768             9,439
       公司债券                                      6,967
                                                  _______              6,967
                                                                    _______
       合计                                        123,488
                                                  _______            109,265
                                                                    _______




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

11.    应收款项类投资

                                                                   本集团及本银行
                                                             2014 年           2013 年
                                                            6 月 30 日       12 月 31 日

       政府债券                                                  336               631
       金融机构债券                                            3,000             3,100
       资产收益权                                              8,934
                                                             ______              7,842
                                                                               ______
       合计                                                   12,270
                                                             ______             11,573
                                                                               ______



12.    长期股权投资

                                              本集团                      本银行
                                       2014 年      2013 年        2014 年      2013 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      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             81        81               81           81
         - VISA 国际组织                   ___1      ___1           _____1       _____1
       合计                                 82
                                           ___        82
                                                     ___             2,712
                                                                    _____         2,712
                                                                                 _____

       上述在活跃市场中没有报价且其公允价值不能可靠计量的其他股权投资按照成本计量。截
       至 2014 年 6 月 30 日,本集团长期股权投资不存在减值情况。




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

13.    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
       2014 年 1 月 1 日       6,621        4,770       128        387      11,906
       本期购置                     6         197         3        784         990
       出售/处置              ____-           (15)
                                           ____          (1)
                                                       ___       ____-         (16)
                                                                           _____
       2014 年 6 月 30 日      6,627
                              ____          4,952
                                           ____         130
                                                       ___        1,171
                                                                 ____       12,880
                                                                           _____
       累计折旧
       2014 年 1 月 1 日      (1,270)      (2,515)      (49)       -        (3,834)
       本期计提                  (91)        (339)       (6)       -          (436)
       出售/处置              ____-        ____14      ___1      ____-     _____15
       2014 年 6 月 30 日     (1,361)
                              ____         (2,840)
                                           ____         (54)
                                                       ___       ____-      (4,255)
                                                                           _____
       减值准备
       2014 年 1 月 1 日      ____-        ____-       ___-      ____-     _____-
       2014 年 6 月 30 日     ____-        ____-       ___-      ____-     _____-
       净额
       2014 年 1 月 1 日       5,351        2,255
                              ____         ____        ___79       387
                                                                 ____        8,072
                                                                           _____
       2014 年 6 月 30 日      5,266        2,112
                              ____         ____        ___76      1,171
                                                                 ____        8,625
                                                                           _____

                                                      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
       2014 年 1 月 1 日       6,621        4,752       127        387      11,887
       本期购置                     6         196         2        784         988
       出售/处置              ____-           (15)
                                           ____          (1)
                                                       ___       ____-         (16)
                                                                           _____
       2014 年 6 月 30 日      6,627
                              ____          4,933
                                           ____         128
                                                       ___        1,171
                                                                 ____       12,859
                                                                           _____
       累计折旧
       2014 年 1 月 1 日      (1,270)      (2,508)      (49)       -        (3,827)
       本期计提                  (91)        (337)       (6)       -          (434)
       出售/处置              ____-        ____14      ___1      ____-     _____15
       2014 年 6 月 30 日     (1,361)
                              ____         (2,831)
                                           ____         (54)
                                                       ___       ____-      (4,246)
                                                                           _____
       减值准备
       2014 年 1 月 1 日      ____-        ____-       ___-      ____-     _____-
       2014 年 6 月 30 日     ____-        ____-       ___-      ____-     _____-
       净额
       2014 年 1 月 1 日       5,351        2,244
                              ____         ____        ___78       387
                                                                 ____        8,060
                                                                           _____
       2014 年 6 月 30 日      5,266        2,102
                              ____         ____        ___74      1,171
                                                                 ____        8,613
                                                                           _____
                                                                                     - 18 -
华夏银行股份有限公司

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

13.    固定资产 - 续

       截至 2014 年 6 月 30 日,本集团有 3.02 亿元人民币(2013 年 12 月 31 日:4.08 亿元人民币)
       的房屋建筑物已在使用但产权登记仍在办理中,本集团管理层预期相关手续不会影响本集
       团承继该资产的权利或对本集团的经营造成不利影响。


14.    无形资产

                                                                 本集团            本银行

       原值
       2014 年 1 月 1 日                                            97               96
       本期购置                                                     -
                                                                 _____               -
                                                                                    ___
       2014 年 6 月 30 日                                           97
                                                                 _____               96
                                                                                    ___
       累计摊销
       2014 年 1 月 1 日                                            (6)              (6)
       本期计提                                                  _____(2)           ___(2)
       2014 年 6 月 30 日                                        _____(8)           ___(8)
       无形资产账面净值合计
       2014 年 1 月 1 日                                            91
                                                                 _____               90
                                                                                    ___
       2014 年 6 月 30 日                                           89
                                                                 _____               88
                                                                                    ___
       剩余摊销年限(年)                                            9-37
                                                                 _____               37
                                                                                    ___

       无形资产包括土地使用权和计算机软件系统使用权。


15.    递延税项

                                                  本集团                      本银行
                                           2014 年      2013 年        2014 年      2013 年
                                          6 月 30 日  12 月 31 日     6 月 30 日  12 月 31 日

       递延所得税资产                       4,415
                                           _____         4,475
                                                        _____              4,410
                                                                          _____      4,470
                                                                                    _____
       合计                                 4,415
                                           _____         4,475
                                                        _____              4,410
                                                                          _____      4,470
                                                                                    _____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

15.    递延税项 - 续

       (1)   递延所得税余额变动情况

                                                      本集团                            本银行
                                          2014 年 1 月 1 日                 2014 年 1 月 1 日
                                        至 6 月 30 日止期间    2013 年    至 6 月 30 日止期间    2013 年

             期/年初余额                       4,475           3,279              4,470          3,278
             计入当期/年损益                     356             676                356            672
             计入其他综合收益                   (416)
                                               ____              520
                                                               ____                (416)
                                                                                  ____             520
                                                                                                 ____
             期/年末余额                       4,415           4,475              4,410          4,470
                                               ____            ____               ____           ____

       (2)   递延所得税资产和负债

                                                                         本集团
                                                2014 年 6 月 30 日                2013 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                      10,696           2,674              9,739          2,434
             已计提尚未发放的工资               5,755           1,439              5,045          1,261
             其他资产减值准备                     588             147                612            153
             可供出售金融资产公允价值变动         808             201              2,467            617
             交易性金融资产及
               衍生金融工具公允价值变动          (189)            (47)               34               8
             其他                              _____4           ____1             _____6          ____2
             小计                              17,662           4,415             17,903          4,475
                                               _____            ____              _____           ____

                                                                         本银行
                                                2014 年 6 月 30 日                2013 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                      10,688           2,672              9,738          2,434
             已计提尚未发放的工资               5,744           1,436              5,024          1,256
             其他资产减值准备                     588             147                612            153
             可供出售金融资产公允价值变动         808             201              2,467            617
             交易性金融资产及
               衍生金融工具公允价值变动          (189)            (47)               34               8
             其他                              _____4           ____1             _____6          ____2
             小计                              17,643           4,410             17,881          4,470
                                               _____            ____              _____           ____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

16.    其他资产

                                                     本集团                             本银行
                                              2014 年      2013 年               2014 年      2013 年
                                             6 月 30 日  12 月 31 日            6 月 30 日  12 月 31 日

       应收及暂付款             (1)               1,861         2,908             1,759               2,019
       长期待摊费用                               1,136         1,152             1,114               1,135
       待清算款项                                 1,132           574             1,132                 574
       待处理抵债资产           (2)                 168           198               168                 198
       其他                                      _____8        _____8            _____8              _____8
       合计                                       4,305
                                                 _____          4,840
                                                               _____              4,181
                                                                                 _____                3,934
                                                                                                     _____

       (1)    应收及暂付款按账龄列示

                                                               本集团
              账龄                      2014 年 6 月 30 日                       2013 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(含)以内        910    37.81      (27)       883      1,910     55.39       (26)       1,884
              1 年至 2 年(含)     289    12.01      (14)       275        453     13.14       (21)         432
              2 年至 3 年(含)     287    11.92      (32)       255        293      8.50       (42)         251
              3 年以上            921
                                ____     38.26
                                        _____      (473)
                                                   ___         448
                                                             ____         792
                                                                        ____      22.97
                                                                                 _____       (451)
                                                                                             ___           341
                                                                                                         ____
              合计              2,407   100.00     (546)     1,861      3,448    100.00      (540)       2,908
                                ____    _____      ___       ____       ____     _____       ___         ____

                                                               本银行
              账龄                      2014 年 6 月 30 日                       2013 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(含)以内        808    35.05      (27)       781      1,013     39.71       (18)         995
              1 年至 2 年(含)     289    12.54      (14)       275        453     17.76       (21)         432
              2 年至 3 年(含)     287    12.45      (32)       255        293     11.49       (42)         251
              3 年以上            921
                                ____     39.96
                                        _____      (473)
                                                   ___         448
                                                             ____         792
                                                                        ____      31.04
                                                                                 _____       (451)
                                                                                             ___           341
                                                                                                         ____
              合计              2,305   100.00     (546)     1,759      2,551    100.00      (532)       2,019
                                ____    _____      ___       ____       ____     _____       ___         ____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

16.    其他资产 - 续

       (2)    待处理抵债资产

                                                                             本集团及本银行
                                                                       2014 年           2013 年
                                                                      6 月 30 日       12 月 31 日

              房产                                                      258                      332
              其他                                                       39
                                                                       ____                       39
                                                                                                ____
              合计                                                      297                      371
              减:待处理抵债资产减值准备                               (129)
                                                                       ____                     (173)
                                                                                                ____
              净额                                                      168
                                                                       ____                      198
                                                                                                ____



17.    资产减值准备

                                                            本集团
                                             2014 年 1 月 1 日至 6 月 30 日止期间
                                   本期计提/ 本期转入/
                          期初数     (转回)     (转出)      本期收回 本期核销 汇率变动            期末数

       存放同业款项           47         (1)        -            -             -         2            48
       拆出资金              114        -           -            -             -          -          114
       发放贷款和垫款     22,443     3,053        (61)         78          (1,296)        -       24,217
       待处理抵债资产        173        -         (44)           -             -          -          129
       应收及暂付款          540        14         (8)           -             -          -          546
       其他               _____7     ____(5)     ___-         ___-        _____-        __-       _____2
       合计               23,324     3,061       (113)
                          _____      ____        ___          ___78        (1,296)
                                                                          _____         __2       25,056
                                                                                                  _____

                                                            本集团
                                                           2013 年度
                                   本年计提/   本年转入/
                          年初数     (转回)      (转出)    本年收回      本年核销    汇率变动     年末数

       存放同业款项           25        23          -            -             -         (1)          47
       拆出资金              120        (6)         -            -             -          -          114
       发放贷款和垫款     20,307     3,634       (142)         145         (1,498)       (3)      22,443
       待处理抵债资产        192         6        (24)           -             -         (1)         173
       应收及暂付款          542        26          -            -            (27)       (1)         540
       其他               _____-     ____7       ___-         ___-        _____-        __-       _____7
       合计               21,186     3,690       (166)         145         (1,525)
                          _____      ____        ___          ___         _____         __(6)     23,324
                                                                                                  _____

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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

17.    资产减值准备 - 续

                                                             本银行
                                              2014 年 1 月 1 日至 6 月 30 日止期间
                                    本期计提/ 本期转入/
                           期初数     (转回)     (转出)      本期收回 本期核销 汇率变动           期末数

       存放同业款项            47         (1)          -           -           -         2            48
       拆出资金               114        -             -           -           -          -          114
       发放贷款和垫款      22,322     2,922          (69)        78        (1,296)        -       23,957
       待处理抵债资产         173        -           (44)          -           -          -          129
       应收及暂付款           532        14            -           -           -          -          546
       其他                _____7     ____(3)       ___-        ___-      _____-        __-       _____4
       合计                23,195     2,932         (113)
                           _____      ____          ___         ___78      (1,296)
                                                                          _____         __2       24,798
                                                                                                  _____

                                                              本银行
                                                             2013 年度
                                    本年计提/    本年转入/
                           年初数     (转回)       (转出)    本年收回    本年核销    汇率变动     年末数

       存放同业款项            25        23            -           -           -         (1)          47
       拆出资金               120        (6)           -           -           -          -          114
       发放贷款和垫款      20,298     3,522         (142)        145       (1,498)       (3)      22,322
       待处理抵债资产         192         6          (24)          -           -         (1)         173
       应收及暂付款           542        18            -           -          (27)       (1)         532
       其他                _____-     ____7         ___-        ___-      _____-        __-       _____7
       合计                21,177     3,570         (166)        145       (1,525)
                           _____      ____          ___         ___       _____         __(6)     23,195
                                                                                                  _____



18.    同业及其他金融机构存放款项

                                                      本集团                        本银行
                                               2014 年      2013 年          2014 年      2013 年
                                              6 月 30 日  12 月 31 日       6 月 30 日  12 月 31 日

       境内同业存放款项                        160,410        177,377         161,535            177,704
       境外同业存放款项                         10,206          7,911          10,206              7,911
       境内其他金融机构存放款项                 83,951
                                              _______          93,698
                                                             _______           83,951
                                                                             _______              94,497
                                                                                                _______
       合计                                    254,567
                                              _______         278,986
                                                             _______          255,692
                                                                             _______             280,112
                                                                                                _______




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

19.    拆入资金

                                              本集团                      本银行
                                       2014 年      2013 年        2014 年      2013 年
                                      6 月 30 日  12 月 31 日     6 月 30 日  12 月 31 日

       境内同业拆入                     27,725         25,545        9,218         17,849
       境外同业拆入                      9,018          9,093        9,018          9,093
       境内其他金融机构拆入                800
                                      _______             900
                                                     _______           800
                                                                  _______             900
                                                                                 _______
       合计                             37,543
                                      _______          35,538
                                                     _______        19,036
                                                                  _______          27,842
                                                                                 _______



20.    卖出回购金融资产款

                                                                  本集团及本银行
                                                            2014 年           2013 年
                                                           6 月 30 日       12 月 31 日

       债券                                                  56,679              59,669
       票据                                                     219
                                                            ______                  215
                                                                                ______
       合计                                                  56,898
                                                            ______               59,884
                                                                                ______



21.    吸收存款

                                              本集团                      本银行
                                       2014 年      2013 年        2014 年      2013 年
                                      6 月 30 日  12 月 31 日     6 月 30 日  12 月 31 日

       活期存款
         对公                              401,259    393,615         400,680     392,924
         个人                               85,882     83,613          85,776      83,480
       定期存款
         对公                           420,249        377,330      420,202       377,238
         个人                           122,989        113,110      122,710       112,909
       存入保证金             (1)       199,872        181,050      199,661       180,868
       结构性存款                        58,176         26,616       58,176        26,616
       汇出汇款及应解汇款                 3,338          2,038        3,324         2,033
       其他                                  29
                                      ________             220
                                                     ________            29
                                                                  ________            220
                                                                                ________
       合计                           1,291,794
                                      ________       1,177,592
                                                     ________     1,290,558
                                                                  ________      1,176,288
                                                                                ________
                                                                                        - 24 -
华夏银行股份有限公司

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

21.    吸收存款 - 续

(1)    存入保证金按项目列示如下:

                                                本集团                    本银行
                                       2014 年        2013 年      2014 年      2013 年
                                      6 月 30 日    12 月 31 日   6 月 30 日  12 月 31 日

       承兑汇票保证金                  147,233        137,135      147,090      137,013
       开出信用证保证金                  2,764         12,069        2,764       12,069
       开出保函及担保保证金             14,704          2,486       14,704        2,486
       其他保证金                       35,171
                                      _______          29,360
                                                     _______        35,103
                                                                  _______        29,300
                                                                               _______
       合计                            199,872
                                      _______         181,050
                                                     _______       199,661
                                                                  _______       180,868
                                                                               _______



22.    应付职工薪酬

                                                            本集团
                                                      2014 年 6 月 30 日
                                       期初数       本期增加      本期减少      期末数

       工资、奖金                       5,045          4,217       (3,507)       5,755
       职工福利费                          -             345         (345)          -
       社会保险费                          28            628         (625)          31
       住房公积金                          27            301         (278)          50
       工会经费及职工教育经费              76            153          (63)         166
       其他                            _____2            301
                                                      _____          (302)
                                                                   _____        _____1
       合计                             5,178
                                       _____           5,945
                                                      _____        (5,120)
                                                                   _____         6,003
                                                                                _____

                                                            本集团
                                                      2013 年 12 月 31 日
                                       年初数       本年增加      本年减少      年末数

       工资、奖金                       4,089          5,574       (4,618)       5,045
       职工福利费                          -             769         (769)          -
       社会保险费                          16          1,149       (1,137)          28
       住房公积金                          32            577         (582)          27
       工会经费及职工教育经费              42            247         (213)          76
       其他                            _____2            590
                                                      _____          (590)
                                                                   _____        _____2
       合计                             4,181
                                       _____           8,906
                                                      _____        (7,909)
                                                                   _____         5,178
                                                                                _____
                                                                                         - 25 -
华夏银行股份有限公司

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

22.    应付职工薪酬 - 续

                                                        本银行
                                                  2014 年 6 月 30 日
                                       期初数   本期增加      本期减少   期末数

       工资、奖金                       5,024     4,198       (3,478)     5,744
       职工福利费                          -        342         (342)        -
       社会保险费                          27       624         (620)        31
       住房公积金                          27       300         (277)        50
       工会经费及职工教育经费              75       153          (63)       165
       其他                            _____2       300
                                                 _____          (301)
                                                              _____      _____1
       合计                             5,155
                                       _____      5,917
                                                 _____        (5,081)
                                                              _____       5,991
                                                                         _____

                                                        本银行
                                                  2013 年 12 月 31 日
                                       年初数   本年增加      本年减少   年末数

       工资、奖金                       4,088     5,535       (4,599)     5,024
       职工福利费                          -        766         (766)        -
       社会保险费                          16     1,146       (1,135)        27
       住房公积金                          32       576         (581)        27
       工会经费及职工教育经费              41       246         (212)        75
       其他                            _____2       588
                                                 _____          (588)
                                                              _____      _____2
       合计                             4,179
                                       _____      8,857
                                                 _____        (7,881)
                                                              _____       5,155
                                                                         _____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

23.    应交税费

                                              本集团                         本银行
                                       2014 年      2013 年           2014 年      2013 年
                                      6 月 30 日  12 月 31 日        6 月 30 日  12 月 31 日

       企业所得税                           2,258     2,530            2,236         2,522
       营业税金及附加                       1,109     1,076            1,106         1,074
       其他                                   137
                                           _____        144
                                                     _____               167
                                                                      _____            143
                                                                                    _____
       合计                                 3,504
                                           _____      3,750
                                                     _____             3,509
                                                                      _____          3,739
                                                                                    _____



24.    应付利息

                                              本集团                         本银行
                                       2014 年      2013 年           2014 年      2013 年
                                      6 月 30 日  12 月 31 日        6 月 30 日  12 月 31 日

       吸收存款利息                     11,112        9,931            11,101        9,926
       同业及其他金融机构存放利息        2,825        1,218             2,827        1,217
       拆入资金利息                        159          124                59           77
       卖出回购金融资产款利息              135           80               135           80
       应付债务凭证利息                     69
                                       ______           281
                                                    ______                 69
                                                                      ______           281
                                                                                   ______
       合计                             14,300
                                       ______        11,634
                                                    ______             14,191
                                                                      ______        11,581
                                                                                   ______



25.    预计负债

                                                                 本集团及本银行
                                                           2014 年           2013 年
                                                          6 月 30 日       12 月 31 日

       未决诉讼                                               ___2                 ___2




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

26.    应付债务凭证

                                                                   本集团及本银行
                                                             2014 年           2013 年
                                                            6 月 30 日       12 月 31 日

       混合资本债券                         (1)                 4,000           4,000
       次级债券                             (2)                 4,400           4,400
       同业存单                             (3)                 1,978              -
       离岸金融债券                         (4)                 1,000
                                                              ______               -
                                                                               _____
       合计                                                    11,378
                                                              ______            8,400
                                                                               _____

       (1)    混合资本债券

              经中国银监会、中国人民银行批准,本银行于 2007 年 6 月 26 日至 27 日发行 40 亿
              元人民币的混合资本债券。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,可以按面值全部或部分赎回本期债券。

              本期债券固定利率品种 24 亿元人民币,浮动利率品种 16 亿元人民币,通过簿记建
              档确定的固定利率品种的初始发行年利率为 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 个计息年度开始,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券满 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。




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

26.    应付债务凭证 - 续

       (2)    次级债券

              经中国银监会、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 亿元人民币。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,可以按面值全部赎回
              本期债券。

              本期债券前 5 个计息年度的票面年利率为 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,即 7.55%。

       (3)    同业存单

              经中国人民银行备案,本银行于 2014 年 6 月 25 日发行华夏银行股份有限公司 2014
              年第 001 期同业存单,发行规模为 20 亿元人民币。本期同业存单期限为 3 个月,采
              用贴现方式发行,起息日为 2014 年 6 月 26 日,将于 2014 年 9 月 26 日到期。

       (4)    离岸金融债券

              经中国人民银行和国家发展改革委员会批准,本银行于 2014 年 6 月 30 日在中华人
              民共和国香港特别行政区发行离岸人民币高级债券,发行规模为 10 亿元人民币,
              债券期限为 3 年,票面利率为固定利率 4.95%,每半年付息一次,起息日为 2014 年
              6 月 30 日,将于 2017 年 6 月 30 日到期。


27.    其他负债

                                                本集团                    本银行
                                         2014 年      2013 年      2014 年      2013 年
                                        6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       应付股利                            3,874           -        3,874           -
       租赁保证金                          2,454        1,188          -            -
       转贷款资金                          1,160        1,140       1,160        1,140
       应付待结算及清算款项                  619        1,122         669        1,122
       其他                                1,980
                                         ______         1,439
                                                       _____        1,271
                                                                   _____         1,046
                                                                                _____
       合计                               10,087
                                         ______         4,889
                                                       _____        6,974
                                                                   _____         3,308
                                                                                _____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

28.    股本

                                                 2014 年 6 月 30 日          2013 年 12 月 31 日
                                             股份数(百万) 名义金额         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             8,905
                                                 _____           8,905
                                                                _____            8,905
                                                                                _____            8,905
                                                                                                _____


       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。

       根据本银行2013年6月18日股东大会决议以及2013年7月18日公告的《华夏银行股份有限公
       司2012年度利润分配和资本公积转增股本方案实施公告》,本银行以2012年12月31日总股
       本6,849,725,776股为基数,按照每10股转增3股的比例,将资本公积转增股本,增加注册资
       本 人 民 币 2,054,917,733 元 。 变 更 后 , 注 册 资 本 为 人 民 币 8,904,643,509 元 , 总 股 本 为
       8,904,643,509股,计人民币8,904,643,509元,业经德勤华永会计师事务所(特殊普通合伙)出
       具德师报(验)字(13)第0577号验资报告予以验证。

       于2014年6月30日及2013年12月31日,本银行有限售条件的A股为24.17亿股,每股面值为
       人民币1元。


29.    资本公积
                                                                           本集团
                                                            2014 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                                  30,542            -               -            30,542
       少数股东溢价投入                               1            -               -                 1
       可供出售金融资产公允价值变动净额          (2,467)        1,516             143             (808)
       可供出售金融资产公允价值变动的
         所得税影响                                617
                                                _____            (380)
                                                                ____              (36)
                                                                                ____             201
                                                                                               _____
       合计                                     28,693          1,136             107          29,936
                                                _____           ____            ____           _____

                                                                         本集团
                                                                        2013 年度
                                                 年初数        本年增加        本年减少         年末数

       资本溢价                                  32,597            -           (2,055)          30,542
       少数股东溢价投入                              -               1             -                 1
       可供出售金融资产公允价值变动净额            (385)        (2,028)           (54)          (2,467)
       可供出售金融资产公允价值变动的
         所得税影响                             _____97           507
                                                                ____            ____13           617
                                                                                               _____
       合计                                     32,309          (1,520)        (2,096)         28,693
                                                _____           ____            ____           _____

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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

29.    资本公积 - 续

                                                                    本银行
                                                     2014 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                            30,542           -                  -         30,542
       可供出售金融资产公允价值变动净额    (2,467)       1,516                143          (808)
       可供出售金融资产公允价值变动的
         所得税影响                          617
                                          _____           (380)
                                                         ____                 (36)
                                                                            ____          201
                                                                                        _____
       合计                               28,692         1,136                107       29,935
                                          _____          ____               ____        _____

                                                                 本银行
                                                                2013 年度
                                           年初数      本年增加        本年减少          年末数

       资本溢价                            32,597            -              (2,055)      30,542
       可供出售金融资产公允价值变动净额      (385)       (2,028)               (54)      (2,467)
       可供出售金融资产公允价值变动的
         所得税影响                       _____97          507
                                                         ____               ____13        617
                                                                                        _____
       合计                               32,309         (1,521)            (2,096)     28,692
                                          _____          ____               ____        _____



30.    盈余公积

                                                                      本集团及本银行
                                                                2014 年           2013 年
                                                               6 月 30 日       12 月 31 日

       法定盈余公积                                                 6,023              4,474
       任意盈余公积                                                   111
                                                                   _____                 111
                                                                                      _____
       合计                                                         6,134
                                                                   _____               4,585
                                                                                      _____

       根据中华人民共和国的相关法律规定,本银行须按中国企业会计准则下净利润的 10%提取
       法定盈余公积,当法定盈余公积累计额达到股本的 50%时,可以不再提取法定盈余公积。
       在提取法定盈余公积后,经股东大会批准本银行可自行决定提取任意盈余公积。

       盈余公积提取情况参见附注七、32 未分配利润。




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

31.    一般准备

                                                                     本集团及本银行
                                                               2014 年           2013 年
                                                              6 月 30 日       12 月 31 日

       合计                                                     17,100
                                                               ______             12,949
                                                                                 ______

       自 2012 年 7 月 1 日起,本银行按照《金融企业准备金计提管理办法》(财金[2012]20 号)的
       规定提取一般准备。该一般准备作为利润分配处理,原则上不得低于风险资产期末余额的
       1.5%,自 2012 年 7 月 1 日起分 5 年到位。

       一般准备提取情况参见附注七、32 未分配利润。


32.    未分配利润

       (1)    于本期间,本银行未宣告派发或建议派发 2014 年 1 月 1 日至 6 月 30 日止期间股
              息。

       (2)    2013 年度利润分配

              根据 2014 年 5 月 22 日股东大会批准的本银行 2013 年度利润分配方案,本银行的实
              施情况如下:

              (i)     提取法定盈余公积 15.49 亿元人民币。该等法定盈余公积已计入 2014 年 6 月
                      30 日银行及合并资产负债表。

              (ii)    提取一般准备 41.51 亿元人民币。该一般准备已计入 2014 年 6 月 30 日银行
                      及合并资产负债表。

              (iii)   向全体股东派发现金股息,每 10 股派 4.35 元人民币(含税),共计 38.74 亿元
                      人民币。该现金股息已于 2014 年 6 月 30 日银行及合并资产负债表的其他负
                      债中反映。




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

33.    利息净收入

                                                 1 月 1 日至 6 月 30 日止期间
                                               本集团                     本银行
                                        2014 年      2013 年       2014 年      2013 年

       利息收入
         发放贷款和垫款                  28,019       24,131       27,438        24,099
         其中:对公贷款和垫款            23,422       20,603       22,855        20,581
               个人贷款和垫款             4,419        3,204        4,406         3,194
               票据贴现                     178          324          177           324
         买入返售金融资产                10,625        4,987       10,625         4,987
         持有至到期投资                   2,357        2,275        2,357         2,275
         存放中央银行款项                 1,846        1,622        1,845         1,621
         可供出售金融资产                 1,493        1,484        1,493         1,484
         存放同业款项                       735        1,135          736         1,116
         拆出资金                           386          543          406           543
         应收款项类投资                     241           -           241            -
         交易性金融资产                     204
                                        ______           234
                                                     ______           204
                                                                  ______            234
                                                                                ______
       小计                              45,906
                                        ______        36,411
                                                     ______        45,345
                                                                  ______         36,359
                                                                                ______
       利息支出
         吸收存款                       (13,067)     (11,333)     (13,058)     (11,327)
         同业及其他金融机构存放款项      (8,882)      (4,209)      (8,924)      (4,202)
         拆入资金                          (903)        (680)        (509)        (680)
         卖出回购金融资产款                (787)        (798)        (787)        (798)
         应付债务凭证                      (210)        (211)        (210)        (211)
         其他                           ______(1)        (35)
                                                     ______            -
                                                                  ______           (34)
                                                                               ______
       小计                             (23,850)
                                        ______       (17,266)
                                                     ______       (23,488)
                                                                  ______       (17,252)
                                                                               ______
       利息净收入                        22,056
                                        ______        19,145
                                                     ______        21,857
                                                                  ______         19,107
                                                                                ______
       其中:
       已识别的减值金融资产的利息收入       69
                                        ______          146
                                                     ______           69
                                                                  ______           146
                                                                                ______




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

34.    手续费及佣金净收入

                                                1 月 1 日至 6 月 30 日止期间
                                              本集团                     本银行
                                       2014 年      2013 年       2014 年      2013 年

       手续费及佣金收入
         信用承诺                        1,078         800           1,078         800
         代理业务                          973         599             973         599
         理财业务                          873       1,027             873       1,027
         托管及其他受托业务                523         236             523         236
         银行卡业务                        315         206             315         206
         顾问和咨询业务                     28         139              28         139
         结算与清算业务                     20          22              20          22
         其他业务                          231
                                        _____          161
                                                    _____               96
                                                                    _____          161
                                                                                _____
       小计                              4,041
                                        _____        3,190
                                                    _____            3,906
                                                                    _____        3,190
                                                                                _____
       手续费及佣金支出
         手续费支出                      (375)
                                        _____        (217)
                                                    _____            (367)
                                                                    _____        (217)
                                                                                _____
       手续费及佣金净收入                3,666
                                        _____        2,973
                                                    _____            3,539
                                                                    _____        2,973
                                                                                _____

       手续费支出主要包含银联卡手续费支出、代理结算手续费支出、国际业务代付手续费支出
       等。


35.    投资收益

                                                                本集团及本银行
                                                          1 月 1 日至 6 月 30 日止期间
                                                           2014 年              2013 年

       可供出售金融资产买卖取得的投资收益                     143                16
       交易性金融资产买卖取得的投资收益                       135                14
       其他                                                    48
                                                             ____               (20)
                                                                                ___
       合计                                                   326
                                                             ____                10
                                                                                ___




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

36.    公允价值变动收益/(损失)

                                                                本集团及本银行
                                                          1 月 1 日至 6 月 30 日止期间
                                                           2014 年              2013 年

       交易性金融资产                                        151                (25)
       衍生金融工具                                           75
                                                             ___                (14)
                                                                                ___
       合计                                                  226
                                                             ___                (39)
                                                                                ___



37.    汇兑收益

       主要包括与外汇业务相关的汇差收入以及外币货币性资产和负债折算产生的差额。


38.    营业税金及附加

                                                1 月 1 日至 6 月 30 日止期间
                                              本集团                     本银行
                                       2014 年      2013 年       2014 年      2013 年

       营业税                            1,619       1,389          1,604        1,383
       城市维护建设税                      112          97            112           97
       教育费附加及其他                     89
                                        _____           75
                                                    _____              89
                                                                   _____            75
                                                                                _____
       合计                              1,820
                                        _____        1,561
                                                    _____           1,805
                                                                   _____         1,555
                                                                                _____




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

39.    业务及管理费

                                                1 月 1 日至 6 月 30 日止期间
                                              本集团                     本银行
                                       2014 年      2013 年       2014 年      2013 年

       职工薪酬及福利           (1)      5,945        5,070        5,917        5,063
       业务费用                          2,810        2,570        2,793        2,557
       折旧和摊销                        1,230
                                       ______         1,021
                                                    ______         1,224
                                                                 ______         1,020
                                                                              ______
       合计                              9,985
                                       ______         8,661
                                                    ______         9,934
                                                                 ______         8,640
                                                                              ______

(1)    职工薪酬及福利

                                                1 月 1 日至 6 月 30 日止期间
                                              本集团                     本银行
                                       2014 年      2013 年       2014 年      2013 年

       工资、奖金                       4,217        3,663         4,198        3,657
       职工福利费                         345          285           342          285
       社会保险费                         628          424           624          423
       住房公积金                         301          266           300          266
       工会经费和职工教育经费             153          144           153          144
       其他                               301
                                       _____           288
                                                    _____            300
                                                                  _____           288
                                                                               _____
       合计                             5,945
                                       _____         5,070
                                                    _____          5,917
                                                                  _____         5,063
                                                                               _____



40.    资产减值损失

                                                1 月 1 日至 6 月 30 日止期间
                                              本集团                     本银行
                                       2014 年      2013 年       2014 年      2013 年

       发放贷款和垫款                   3,053        2,219         2,922        2,193
       应收及暂付款                        14            6            14            6
       存放同业款项                        (1)          11            (1)          11
       其他                            _____(5)     _____9        _____(3)     _____9
       合计                             3,061
                                       _____         2,245
                                                    _____          2,932
                                                                  _____         2,219
                                                                               _____



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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

41.    所得税费用

                                                 1 月 1 日至 6 月 30 日止期间
                                               本集团                     本银行
                                        2014 年      2013 年       2014 年      2013 年

       当期所得税费用                    3,266        3,284               3,231       3,283
       递延所得税费用                     (356)
                                        _____          (844)
                                                     _____                 (356)
                                                                         _____         (843)
                                                                                     _____
       合计                              2,910
                                        _____         2,440
                                                     _____                2,875
                                                                         _____        2,440
                                                                                     _____

       所得税费用与会计利润的调节表如下:

                                                 1 月 1 日至 6 月 30 日止期间
                                               本集团                     本银行
                                        2014 年      2013 年       2014 年      2013 年

       税前利润总额                      11,600        9,738           11,459        9,752
       按法定税率 25%计算的所得税         2,900        2,435            2,865        2,438
       加:不可抵扣费用的纳税影响           451          385              451          382
       减:免税收入的纳税影响              (441)
                                        ______          (380)
                                                     ______              (441)
                                                                      ______          (380)
                                                                                    ______
       合计                               2,910
                                        ______         2,440
                                                     ______             2,875
                                                                      ______         2,440
                                                                                    ______



42.    每股收益

                                                                 本集团及本银行
                                                           1 月 1 日至 6 月 30 日止期间
                                                            2014 年              2013 年

       归属于母公司股东的当期净利润                              8,670               7,300
       发行在外普通股的加权平均数(百万股)                        8,905               8,905
       基本每股收益(人民币元)                                     0.97                0.82
                                                               ______              ______




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

财务报表附注
2014 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)

七、   财务报表主要项目附注 - 续

42.    每股收益 - 续

       本银行 2012 年发行在外普通股的加权平均数为 6,849,725,776 股,根据 2013 年 6 月 18 日
       股东大会决议以及 2013 年 7 月 18 日公告的《华夏银行股份有限公司 2012 年度利润分配和
       资本公积转增股本方案实施公告》,本银行以 2012 年末本银行总股份数 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 股的比例,
       将资本公积转增股本,实施完成后本银行总股份为 8,904,643,509 股,增加 2,054,917,733
       股。根据有关规定的要求本银行按转增股本后的股数重新计算各比较期间的发行在外普通
       股的加权平均数及每股收益指标。

       本期末本银行不存在稀释性潜在普通股。


43.    其他综合收益

                                                                  本集团及本银行
                                                            1 月 1 日至 6 月 30 日止期间
                                                             2014 年              2013 年

       可供出售金融资产公允价值变动                           1,659               141
       可供出售金融资产公允价值变动的所得税影响                (416)
                                                             _____                (35)
                                                                                 ____
       合计                                                   1,243
                                                             _____                106
                                                                                 ____



44.    现金及现金等价物

                                                本集团                    本银行
                                         2014 年      2013 年      2014 年      2013 年
                                        6 月 30 日  6 月 30 日    6 月 30 日  6 月 30 日

       库存现金                             3,515        4,127          3,506        4,114
       存放中央银行款项                    61,112       40,542         61,079       40,533
       原始期限在三个月以内的
         存放同业款项、拆出资金及
         买入返售金融资产                  57,310
                                         _______       199,662
                                                      _______&nbs