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2020年01月27日 星期一

华夏银行(600015)公告正文

华夏银行:2015年半年度报告摘要

公告日期:2015-08-08

                           华夏银行股份有限公司 2015 年半年度报告摘要

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


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


                  §2 主要财务数据和股东变化
                  2.1 主要财务数据
                                                                                            (单位:人民币百万元)
                                                                             本报告期末比上年
                                 2015 年 6 月 30 日   2014 年 12 月 31 日                          2013 年 12 月 31 日
                                                                               末增减(%)
资产总额                                 1,917,232               1,851,628                  3.54             1,672,447
归属于上市公司股东的净
                                           111,108                101,458                   9.51                85,420
资产
归属于上市公司股东的每
                                             10.40                    9.49                  9.59                  7.99
股净资产(元/股)
                                                                             本报告期比上年同
                                  2015 年 1-6 月        2014 年 1-6 月                                2013 年 1-6 月
                                                                               期增减(%)
营业收入                                    28,328                 26,377                   7.40                22,207
营业利润                                    12,386                 11,501                   7.69                 9,731
利润总额                                    12,416                 11,600                   7.03                 9,738
归属于上市公司股东的净
                                             9,263                  8,670                   6.84                 7,300
利润
归属于上市公司股东的扣
                                             9,243                  8,599                   7.49                 7,295
除非经常性损益的净利润
基本每股收益(元/股)                           0.87                    0.81                  7.41                  0.68
扣除非经常性损益后的基
                                              0.86                    0.80                  7.50                  0.68
本每股收益(元/股)
稀释每股收益(元/股)                           0.87                    0.81                  7.41                  0.68
加权平均净资产收益率
                                              8.72                    9.66    下降 0.94 个百分点                  9.31
(%)


                                                             1
   扣除非经常性损益后的加
                                               8.70                    9.58       下降 0.88 个百分点                      9.31
   权平均净资产收益率(%)
   经营活动产生的现金流量
                                          -16,390                   -98,326                     83.33                 96,967
   净额
   每股经营活动产生的现金
                                               -1.53                   -9.20                    83.37                     9.07
   流量净额(元/股)
                   注:根据中国证券监督管理委员会《公开发行证券的公司信息披露编报规则第 9 号——
             净资产收益率和每股收益的计算及披露(2010 年修订)》的规定,在资产负债表日至财务报
             告批准报出日之间发生公积金转增股本,影响发行在外普通股或潜在普通股数量,但不影响
             所有者权益金额的,应当按调整后的股数重新计算各比较期间的每股收益。各比较期间的归
             属于上市公司股东的每股净资产和每股经营活动产生的现金流量净额按照调整后股数计算。


                    2.2 前 10 名股东持股情况表
                                                                                                   (单位:股)
  股东总数(户)                                                                173,065
                                                       前 10 名股东持股情况
                                                                                                                 质押或冻结的
                                                                                                                   股份数量
                                                                    持股                       持有有限售
                                                  报告期内增                                                   股
         股东名称                   股东性质                        比例        持股总数       条件股份数
                                                      减                                                       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
SAL.OPPENHEIM       JR.   &
CIE.KOMMANDITGESELLSCH
AFT 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
润华集团股份有限公司            境内非国有法人     -11,000,000       2.13       189,800,000             0     质押   167,428,128
华兴电力股份公司                境内非国有法人         -9,955,793    1.31       116,979,241             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      无

包头华资实业股份有限公司        境内非国有法人                 0
                                                             0.66      58,800,000                       0     质押   45,800,000
                                           前 10 名无限售条件股东持股情况
                         股东名称                                   持有无限售条件股份数量                     股份种类
首钢总公司                                                                           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


                                                               2
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
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
润华集团股份有限公司                                                     189,800,000          人民币普通股
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
华兴电力股份公司                                                         116,979,241          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
包头华资实业股份有限公司                                                  58,800,000          人民币普通股
上述股东关联关系或一致行动      报告期内,上述前 10 名股东中德意志银行卢森堡股份有限公司是德意志银行股份有限公
的说明                          司的全资子公司;德意志银行股份有限公司于 2010 年 3 月 15 日完成收购萨尔奥彭海姆
                                股份有限合伙企业 100%权益持有人 SAL.OPPENHEIM JR.&CIE.S.C.A.的 100%股份的交
                                割,具体内容详见本公司 2010 年 3 月 18 日临时公告。本公司未知上述其他股东之间是
                                否存在关联关系。
                 注:
                 1、本公司股东德意志银行股份有限公司协议受让萨尔奥彭海姆股份有限合伙企业所持
             本公司 171,200,000 股股份的股权变动事项,正在履行相关法定批准程序。
                 2、北京三吉利能源股份有限公司已更名为华兴电力股份公司。


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


                   §3 管理层讨论与分析
                   3.1 总体经营状况分析
                 报告期内,本公司认真落实发展规划要求,围绕年初确定的经营发展目标,积极探索适
             应新常态的结构效益型发展道路,努力向改革创新、基础管理、结构调整、风险管控、优质
             服务要效益,扎实推进各项工作。
                 规模实现适度增长
                 报告期末,本集团总资产规模达到 19,172.32 亿元,比年初增加 656.04 亿元,增长 3.54%;
             贷款总额 10,110.14 亿元,比年初增加 710.25 亿元,增长 7.56%;存款总额 13,206.04 亿元,
             比年初增加 173.88 亿元,增长 1.33%。
                 盈利水平保持稳定
                 报告期内,归属于上市公司股东的净利润 92.63 亿元,同比增加 5.93 亿元,增长 6.84%;
             实现中间业务收入 59.11 亿元,同比增加 17.67 亿元,增长 42.64%;中间业务收入占比 20.87%,
             同比提高 5.16 个百分点;成本收入比 36.60%,同比下降 1.25 个百分点。
                 经营转型扎实推进
                 一是稳步推动运营体制改革与营销机制建设。二是加强基础客户开发,运用平台开发、
             联动营销等服务方式,提高客户服务能力,客户数量稳步增长。三是推出系列理财、同业资
             产收益权投资等产品,带动基础客户开发和业务增长。四是加快金融市场、资产管理、资产
             托管、信用卡等业务发展,顺利发行信贷资产证券化产品。
                 服务质效不断提升

                                                       3
             一是完善“第二银行”建设,加快“智慧社区”等生态圈建设,不断丰富直销银行产品,
       电子银行交易笔数同比增长 76%。二是深入推进京津冀协同发展金融服务工作,储备专项
       资金支持项目投放,发起设立碧水蓝天产业发展基金,京津冀协同卡发行量是年初的 3 倍。
       三是拓宽 ETC 功能和增值服务,ETC 卡发行量比年初增长 9.49%。四是深化社区金融和老
       年金融,建立营销团队,搭建老年金融服务平台 150 家。五是积极推进网点机构建设,新开
       业综合型营业网点 34 家,新开业社区、小微支行 46 家,上海、天津自贸区分行正式营业。
             规范运营持续加强
             一是信用风险管理力度加大,结合政策及形势变化,对重点行业、重点产品风险加强摸
       排防控,加强问题贷款的清收处置力度。二是强化市场风险管理职能、机制和评价,推进操
       作风险识别、监测和报告体系建设,加强第三方业务、操作场所业务连续性管理。三是加强
       流动性监测和压力测试,流动性整体平稳。
             小企业业务稳健发展
             报告期末,本公司小微企业客户超过 28 万户,其中贷款客户 2.37 万户,小微企业贷款
       余额接近 2200 亿元,申贷获得率超过 90%,完成“三个不低于”监管目标。小微企业专营机
       制建设不断深入,已有 34 家一级分行、16 家二级分行成立小微企业专营机构,专职客户经
       理团队超过 600 人,服务网络覆盖全行;绍兴、常州两家小微企业特色分行示范效应显著;
       北京、南京、济南等 15 家一级分行开展完善营销机制建设工作,逐步将辖内支行转型为小
       微企业及个人业务服务主体。本公司实施“互联网+平台金融”计划,在同业中首推的平台金
       融历经三年探索完善升至 5.0,集本外币在线融资、跨行支付、电子对账、本外币现金管理
       在内的综合服务体系日益完善,上线运行的平台客户接近 450 户,小微企业客户接近 4 万户;
       “华夏云缴费”自 2014 年 9 月推出以来,累计缴费笔数接近 12 万笔,金额近 13 亿元。报告
       期内,本公司构建起“O2O”小微企业特色产品体系,线上产品 9 项、线下产品 12 项。在
       同业中首推的年审制贷款余额接近 140 亿元,乐业贷(个人经营性贷款)余额接近 200 亿元。



           3.2 主营业务分析
           3.2.1 主要财务指标增减变动幅度及其原因
                                                                          (单位:人民币百万元)
       主要财务指标           2015 年 6 月 30 日   较上年末增减(%)              主要原因
资产总额                              1,917,232                    3.54   贷款等资产业务增长
负债总额                              1,805,434                    3.20   存款等负债业务增长
归属于上市公司股东的净资产              111,108                    9.51   净利润增加
       主要财务指标            2015 年 1-6 月      较上年同期增减(%)            主要原因
营业收入                                 28,328                    7.40   业务规模增长、收入增加
营业利润                                 12,386                    7.69   业务规模增长、营业利润增加
                                                                          业务规模增长、归属于上市公
归属于上市公司股东的净利润                9,263                    6.84
                                                                          司股东的净利润增加
现金及现金等价物净增加额                 13,590                  114.39   现金及现金等价物净增加




                                                   4
             3.2.2 会计报表中变动幅度超过 30%以上的项目的情况
                                                                                      (单位:人民币百万元)
       主要会计项目             2015 年 6 月 30 日          较上年末增减(%)                主要原因
存放同业款项                                35,988                         -42.57   存放同业减少
拆出资金                                    27,908                         46.05    拆放同业增加
买入返售金融资产                           162,930                         32.32    买入返售金融资产增加
其他资产                                      6,846                        48.37    其他资产增加
拆入资金                                    60,508                         41.91    拆入同业增加
衍生金融负债                                   765                         37.59    衍生金融负债增加
卖出回购金融资产款                          76,174                         89.48    卖出回购业务增加
预计负债                                            1                      -50.00   预计负债减少
应付债务凭证                                31,221                         30.97    发行同业存单
其他负债                                      9,628                        52.80    其他负债增加
                                                                                    可供出售金融资产公允价值
其他综合收益                                   468                        477.78
                                                                                    变动
       主要会计项目               2015 年 1-6 月            较上年同期增减(%)              主要原因
手续费及佣金收入                              5,849                        44.74    手续费业务收入增加
手续费及佣金支出                               514                         37.07    手续费业务支出增加
投资收益/(损失)                               -275                        -184.36   投资收益减少
公允价值变动收益/(损失)                         -35                       -115.49   公允价值变动
汇兑收益                                        16                         -82.02   汇兑收益增减少
其他业务收入                                    46                        228.57    其他业务收入增加
营业外收入                                      45                         -59.82   营业外收入减少
少数股东损益                                    49                        145.00    少数股东损益增加


             3.2.3 利润表主要项目分析
             (1)利息收入
                                                                                     (单位:人民币百万元)
                                            2015 年 1-6 月                          2014 年 1-6 月
                项目
                                        金额          占比(%)                 金额          占比(%)
    对公贷款和垫款                          25,269          54.19                   23,422           51.02
    个人贷款和垫款                          4,914                 10.54              4,419              9.63
    票据贴现                                 149                   0.32               178               0.39
    应收款项类投资                          5,691                 12.20              7,733             16.85
    持有至到期投资                          3,016                  6.47              2,357              5.13
    买入返售金融资产                        2,437                  5.23              3,133              6.82
    存放中央银行款项                        1,879                  4.03              1,846              4.02
    可供出售金融资产                        1,620                  3.47              1,493              3.25
    存放同业款项                            1,090                  2.34               735               1.60
    拆出资金                                 332                   0.71               386               0.84
    以公允价值计量且其变动计
                                             236                   0.50               204               0.45
    入当期损益的金融资产
    合计                                   46,633                100.00             45,906           100.00

                                                        5
             (2)利息支出
                                                                          (单位:人民币百万元)
                                            2015 年 1-6 月                    2014 年 1-6 月
                项目
                                      金额               占比(%)      金额             占比(%)
吸收存款                                15,038                 64.29      13,067                 54.79
同业及其他金融机构存放款项                  6,044              25.84          8,882              37.24
拆入资金                                      789               3.37            903               3.79
卖出回购金融资产款                            555               2.37            787               3.30
应付债务凭证                                  617               2.64            210               0.88
其他                                          349               1.49                 1                  -
合计                                    23,392                100.00      23,850                100.00

             (3)手续费及佣金收入
                                                                              (单位:人民币百万元)
                                        2015 年 1-6 月                    2014 年 1-6 月
                项目
                                     金额               占比(%)      金额              占比(%)
 理财业务                               1,986                 33.95            873              21.60
 银行卡业务                             1,369                 23.41            747              18.49
 代理业务                                    877              14.99            973              24.08
 信用承诺                                    890              15.22            646              15.99
 托管及其他受托业务                          469               8.02            523              12.94
 租赁业务                                    170               2.91            135               3.34
 结算与清算业务                               19               0.32             20               0.49
 顾问和咨询业务                                6               0.10             28               0.69
 其他业务                                     63               1.08             96               2.38
 合计                                   5,849                100.00       4,041                100.00


             (4)业务及管理费
                                                                          (单位:人民币百万元)
                                        2015 年 1-6 月                    2014 年 1-6 月
                 项目
                                     金额               占比(%)      金额              占比(%)
 职工薪酬及福利                         6,968                 67.21       5,945                 59.54
 业务费用                               1,980                 19.10       2,810                 28.14
 折旧和摊销                             1,420                 13.69       1,230                 12.32
 合     计                             10,368                100.00       9,985                100.00




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          (5)所得税费用
                                                                   (单位:人民币百万元)
                            项    目                        2015 年 1-6 月   2014 年 1-6 月
         税前利润总额                                                12,416           11,600
         按法定税率 25%计算的所得税                                    3,104                     2,900
         加:不可抵扣费用的纳税影响                                         392                   451
         减:免税收入的纳税影响                                             392                   441
         合计                                                          3,104                     2,910


          3.2.4 资产和负债情况分析
          (1)贷款投放情况
          按行业划分的贷款投放情况
                                                                            (单位:人民币百万元)
                                                       报告期末                             年初
                行业分布
                                            账面余额            比例(%)         账面余额         比例(%)
制造业                                            220,721            21.83           212,005              22.55
批发和零售业                                      144,737            14.32           138,005              14.68
租赁和商务服务业                                   95,688             9.46            89,815                9.56
建筑业                                             83,766             8.29            73,448                7.81
房地产业                                           77,604             7.68            76,170                8.10
交通运输、仓储和邮政业                             53,801             5.32            49,794                5.30
采矿业                                             30,028             2.97            28,441                3.04
电力、热力、燃气及水生产和供应业                   24,596             2.43            22,966                2.44
其他对公行业                                       77,766             7.69            66,222                7.04
票据贴现                                           14,651             1.45               8,383              0.89
个人贷款                                          187,656            18.56           174,740              18.59
合计                                          1,011,014             100.00           939,989             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,强化重点领域和行业
   的风险管理,积极引导信贷资源对实体经济、重点行业及优质客户的配置,持续调整控制产
   能过剩、房地产、大宗商品贸易等受宏观调控影响较大、风险较高行业的贷款占比,行业信
   贷结构持续均衡增长。


          按地区划分的贷款投放情况
                                                                            (单位:人民币百万元)
                                       报告期末                                   年初
          地区分布
                            账面余额         比例(%)             账面余额              比例(%)
   华北及东北                    363,142                35.92         333,331                       35.46
   华东                          287,801                28.47         269,904                       28.71
   华南及华中                    213,716                21.14         203,794                       21.68
   西部                          146,355                14.47         132,960                       14.15
   合计                      1,011,014                 100.00         939,989                      100.00



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         前十名客户贷款情况
                                                                                 (单位:人民币百万元)
                                             余额                                     占比(%)
  前十名贷款客户                                           23,999                                        2.46
      报告期内,本公司严格控制贷款集中度风险,前十大客户贷款余额合计 239.99 亿元,
  占期末贷款总额的 2.46%,占资本净额的 18.02%,控制在监管要求之内。

         贷款担保方式分类及占比
                                                                                 (单位:人民币百万元)
                                   报告期末                                            年初
                          账面余额             占比(%)                   账面余额           占比(%)
  信用贷款                    146,361                      14.48               133,136                  14.16
  保证贷款                    344,895                      34.11               299,161                  31.83
  附担保物贷款                519,758                      51.41               507,692                  54.01
  — 抵押贷款                 388,191                      38.40               394,674                  41.99
  — 质押贷款                 131,567                      13.01               113,018                  12.02
              合计          1,011,014                     100.00               939,989                 100.00


         (2)主要贷款及利率情况
         按业务类别划分
                                                                                         (单位:人民币百万元)
          项目                 平均余额                              利息                   平均利率(%)
企业贷款                                    776,395                           25,418                        6.55
零售贷款                                    177,323                            4,914                        5.54
合计                                        953,718                           30,332                        6.36
         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。

         按业务期限划分
                                                                                         (单位:人民币百万元)
          项目                 平均余额                              利息                   平均利率(%)
一年以内短期贷款                            450,082                           13,777                        6.12
中长期贷款                                  503,636                           16,555                        6.57
合计                                        953,718                           30,332                        6.36
         注:一年以内短期贷款包括贴现。


         (3)买入返售金融资产
                                                                              (单位:人民币百万元)
                                      2015 年 6 月 30 日                         2014 年 12 月 31 日
               项目
                                     余额                 占比(%)             余额          占比(%)
       债券                                 50,756                 31.15          25,299            20.55
       票据                             112,174                    68.85          97,837            79.45
       合计                             162,930                100.00            123,136           100.00

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           (4)主要存款及利率情况
                                                                                       (单位:人民币百万元)
            类别                    平均余额                     利息                    平均利率(%)
  企业活期存款                             343,833                             1,584                  0.92
  企业定期存款                             712,271                            11,404                  3.20
  储蓄活期存款                                 69,139                           109                   0.32
  储蓄定期存款                             144,718                             1,941                  2.68
  合计                                   1,269,961                            15,038                  2.37


           3.3 按照业务或地区经营情况分析
           3.3.1 业务收入变动情况
                                                                                        (单位:人民币百万元)
                                                                                                较上年同期
           业务种类                  2015 年 1-6 月          占比(%)        2014 年 1-6 月
                                                                                                增减(%)
发放贷款和垫款利息收入                           30,332          58.07                 28,019             8.26
应收款项类投资利息收入                             5,691         10.90                  7,733         -26.41
持有至到期投资利息收入                             3,016          5.77                  2,357            27.96
买入返售金融资产利息收入                           2,437          4.66                  3,133         -22.22
存放中央银行款项利息收入                           1,879          3.60                  1,846             1.79
可供出售金融资产利息收入                           1,620          3.10                  1,493             8.51
存放同业款项利息收入                               1,090          2.09                   735             48.30
拆出资金利息收入                                    332           0.63                   386          -13.99
以公允价值计量且其变动计入
                                                    236           0.45                   204             15.69
当期损益的金融资产利息收入
手续费收入                                         5,849         11.20                  4,041            44.74
其他业务                                           -248           -0.47                  655         -137.86
合计                                             52,234         100.00                 50,602             3.23


           3.3.2 按照地区划分分析
                                                                                      (单位:人民币百万元)
                                                             营业收入                             营业利润
                   地区                  营业收入            比上年同期           营业利润      比上年同期
                                                             增减(%)                          增减(%)
华北、东北地区                                   11,583             8.07                5,466         38.56
华东地区                                          6,835             9.27                2,602         -3.41
华中、华南地区                                    5,773             4.02                2,174        -19.00
西部地区                                          4,139             7.39                2,144         -1.56
分部间抵销                                              -2                -                 -                -
合计                                             28,328             7.40               12,386            7.69




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




                                                   董事长:吴建
                                             华夏银行股份有限公司董事会
                                                   2015年8月6日




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