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2020年01月25日 星期六

华夏银行(600015)公告正文

华夏银行:2015年半年度报告

公告日期:2015-08-08

   华夏银行股份有限公司

HUA XIA BANK CO., Limited.

   二〇一五年半年度报告




      二〇一五年八月六日
                               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十二次会议于 2015 年 8 月 6 日审议通过了《华
夏银行股份有限公司 2015 年半年度报告》及摘要。会议应到董事 16 人,实到董
事 15 人。李汝革副董事长委托丁世龙董事行使表决权。有效表决票 16 票。6 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。




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                                               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................................................................................................... 31

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........................................................... 38

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

第八节 备查文件目录........................................................................................... 40




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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
元               人民币元




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                                               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:张太旗
                      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资产              111,108              101,458                 9.51                85,420
归属于上市公司股东的每股净
                                          10.40                  9.49                9.59                  7.99
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利润                9,263                8,670                 6.84                 7,300
归属于上市公司股东的扣除非
                                          9,243                8,599                 7.49                 7,295
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


                                                      4
扣除非经常性损益后的基本每
                                             0.86                 0.80                      7.50                      0.68
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
扣除非经常性损益后的加权平
                                             8.70                 9.58   下降 0.88 个百分点                           9.31
均净资产收益率(%)
经营活动产生的现金流量净额                -16,390              -98,326                     83.33                    96,967
每股经营活动产生的现金流量
                                            -1.53                -9.20                     83.37                      9.07
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。


            非经常性损益项目和金额:
                                                                                        (单位:百万元)
                              非经常性损益项目                                     2015 年 1-6 月
         固定资产处置损益                                                                                  -4
         其他营业外收支净额                                                                                34
         非经常性损益总额                                                                                  30
         减:非经常性损益的所得税影响数                                                                      9
         非经常性损益净额                                                                                  21
         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                                                              20
                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             2015 年 1-6 月           2014 年 1-6 月              2013 年 1-6 月
            净利差(%)                                 2.45                     2.44                        2.54
            净息差(%)                                 2.63                     2.61                        2.70
                   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。




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               (二)报告期利润表附表
                                          加权平均净资产收益率              每股收益(人民币元/股)
                 报告期利润
                                                  (%)                 基本每股收益           稀释每股收益
    归属于公司普通股股东的净利润                                8.72                  0.87                  0.87
    扣除非经常性损益后归属于公司
                                                                8.70                  0.86                  0.86
    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。




                (三)报告期内股东权益变动情况
                                                                                                  (单位:百万元)
                                      其他综合                                                少数股东       股东权益
  项目         股本        资本公积               盈余公积      一般准备    未分配利润
                                        收益                                                    权益           合计
期初余额         8,905       30,543         81        6,134       17,100         38,695             641       102,099
本期增加               -          -        387        1,780        4,349           9,263             49         15,828
本期减少               -          -           -             -           -          6,129               -           6,129
期末余额         8,905       30,543        468        7,914       21,449         41,829             690       111,798


              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                   2015 年 6 月 30 日       2014 年 12 月 31 日          2013 年 12 月 31 日
  资产总额                                        1,917,232                 1,851,628                      1,672,447
  负债总额                                        1,805,434                 1,749,529                      1,586,428
  归属于上市公司股东的净资产                       111,108                   101,458                         85,420
  存款总额                                        1,320,604                 1,303,216                      1,177,592
  其中: 企业活期存款                              403,943                   381,336                        393,615
            企业定期存款                           432,822                   445,784                        377,330
            储蓄活期存款                            83,129                    91,585                         83,613
            储蓄定期存款                           146,025                   133,008                        113,110
            其他存款                               254,685                   251,503                        209,924
  贷款总额                                        1,011,014                  939,989                        823,169
  其中:正常贷款                                   997,346                   929,744                        815,726
           不良贷款                                 13,668                    10,245                          7,443
  同业拆入                                          60,508                    42,638                         35,538
  贷款损失准备                                      25,287                    23,884                         22,443




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       (二)报告期末资本构成、杠杆率及其变化情况
       1、报告期末资本构成及其变化情况
                                                                                    (单位:百万元)
                                 2015 年 6 月 30 日        2014 年 12 月 31 日      2013 年 12 月 31 日
             项目
                                  并表        非并表        并表       非并表        并表        非并表
   1.总资本净额                   137,421     133,203       132,441    128,585       105,621     102,315
   1.1:核心一级资本              111,662     110,688       101,988    101,257        85,826      85,322
   1.2:核心一级资本扣减项                1     2,630              1     2,630               -     2,630
   1.3:核心一级资本净额          111,661     108,058       101,987     98,627        85,826      82,692
   1.4:其他一级资本                     37            -         20             -           4             -
   1.5:其他一级资本扣减项                -            -           -            -            -            -
   1.6:一级资本净额              111,698     108,058       102,007     98,627        85,830      82,692
   1.7:二级资本                   25,723      25,145        30,434     29,958        19,791      19,623
   1.8:二级资本扣减项                    -            -           -            -            -            -
   2.信用风险加权资产           1,190,783 1,154,447 1,107,853 1,081,929              988,581     977,130
   3.市场风险加权资产               3,764       3,764         6,018      6,018         6,665       6,665
   4.操作风险加权资产              87,230      86,587        87,230     86,587        74,210      74,029
   5.风险加权资产合计           1,281,777 1,244,798 1,201,101 1,174,534 1,069,456 1,057,824
   6.核心一级资本充足率(%)         8.71        8.68          8.49       8.40          8.03        7.82
   7.一级资本充足率(%)             8.71        8.68          8.49       8.40          8.03        7.82
   8.资本充足率(%)                10.72       10.70         11.03      10.95          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,按此政策本期
   本公司不合格二级资本工具可计入金额为 40 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)计算。
       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、报告期末杠杆率及其变化情况
                                                                                    (单位:百万元)
     项目           2015 年 6 月 30 日   2015 年 3 月 31 日     2014 年 12 月 31 日         2014 年 9 月 30 日
一级资本净额                108,058           102,429               98,627              93,456
调整后的表内外
                          2,296,204        2,194,627             2,226,103           2,199,771
资产余额
杠杆率(%)                    4.71              4.67                 4.43                4.25
        注:以上数据均为非并表口径,除 2014 年 9 月 30 日按照《商业银行杠杆率管理办法》
    (中国银监会令[2011]第 3 号)计算外,其余均依据《商业银行杠杆率管理办法(修订)》

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    (中国银监会令[2015]第 1 号)计算。相较上季末,本公司本季末杠杆率上升的原因是,当
    季一级资本净额增速快于调整后表内外资产余额增速。


         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》(银监发
    [2013]33 号)、《商业银行杠杆率管理办法(修订)》(中国银监会令[2015]
    第 1 号),有关本集团资本构成、资本工具主要特征、杠杆率等详细信息,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    2015 年 1-6 月              2014 年                     2013 年
资产利润率                                            0.49                    1.02                        0.98
资本利润率                                            8.71                   19.16                       19.30
不良贷款率                                            1.35                    1.09                        0.90
拨备覆盖率                                          185.01                 233.13                      301.53
贷款拨备率                                            2.50                    2.54                        2.73
成本收入比                                           36.60                   37.57                       38.93
              人民币                                 71.73                   67.76                       68.20
存贷款比例    外币折人民币                          108.65                   97.90                     103.08
              本外币合计       ≤75                  72.74                   68.52                       69.02
资产流动性    人民币                                 49.61                   46.75                       30.59
比例          外币折人民币                           38.02                   70.50                       56.63
单一最大客户贷款比率           ≤10                   4.52                    4.68                        5.77
最大十家客户贷款比率           ≤50                  18.02                   18.47                       24.61
        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: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。
         4、存贷款比例、资产流动性比例、单一最大客户贷款比率、最大十家客户贷款比率
    为监管计算口径。


    迁徙率数据列表:
             项目(%)        2015 年 6 月末            2014 年                     2013 年
        正常类贷款迁徙率                   3.11                     2.82                        2.88
        关注类贷款迁徙率                  20.75                    35.75                       23.17
        次级类贷款迁徙率                  97.75                    96.74                       91.73
        可疑类贷款迁徙率                  19.59                    26.75                       27.65
        注:迁徙率根据中国银监会相关规定计算。正常类贷款迁徙率=期初正常类贷款向下迁
    徙金额/(期初正常类贷款余额-期初正常类贷款期间减少金额)×100%;关注类贷款迁徙率
    =期初关注类贷款向下迁徙金额/(期初关注类贷款余额-期初关注类贷款期间减少金额)×


                                                8
       100%;次级类贷款迁徙率=期初次级类贷款向下迁徙金额/(期初次级类贷款余额-期初次级
       类贷款期间减少金额)×100%;可疑类贷款迁徙率=期初可疑类贷款向下迁徙金额/(期初可
       疑类贷款余额-期初可疑类贷款期间减少金额)×100%。


           (四)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                  953,718              30,332                  6.36
         存放中央银行款项                248,945               1,879                  1.51
         同业资产                        172,380               3,859                  4.48
         债券等投资                      394,402              10,563                  5.36
         生息资产合计                  1,769,445              46,633                  5.27
         计息负债:
         吸收存款                      1,269,961              15,038                  2.37
         向中央银行借款                   19,863                349                   3.51
         同业负债                        347,931               7,388                  4.25
         应付债券凭证                     23,133                617                   5.33
         计息负债合计                  1,660,888              23,392                  2.82
           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 38 家一级分行,营业网点(不含
       社区、小微支行)达到 624 家,覆盖 82 个地级以上城市。报告期内新增 2 家一
       级分行(上海自贸试验区分行、天津自由贸易试验区分行);新增 2 家二级分行
       (中山分行、宜昌分行);新增营业网点 34 家。另外,本公司社区、小微支行已
       开业 86 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                        -      1,448          904,389


                                              9
北京分行       北京市西城区金融大街 11 号                     60     2,324    257,497
南京分行       南京市中山路 81 号                             36     1,523    119,058
杭州分行       杭州市庆春路 73 号                             33     1,426    106,542
上海分行       上海市浦东南路 256 号                          28      931      73,548
济南分行       济南市纬二路 138 号                            35     1,566     77,052
昆明分行       昆明市威远街 98 号                             21      881      68,695
深圳分行       深圳市福田区深南中路 3037 号南光捷佳大厦       27     1,158     72,777
沈阳分行       沈阳市沈河区青年大街 51 号                     19      838      48,178
广州分行       广州市天河区华夏路 13 号南岳大厦               25     1,282    111,697
武汉分行       武汉市武昌区民主路 786 号华银大厦              23     1,137     77,710
重庆分行       重庆市江北区江北城西大街 27 号                 21      767      84,614
成都分行       成都市武侯区航空路 1 号                        21      859      50,487
西安分行       西安市长安北路 111 号                          16      540      23,455
乌鲁木齐分行   乌鲁木齐市东风路 15 号                         10      358      17,746
大连分行       大连市中山区同兴街 25 号                       12      604      58,764
青岛分行       青岛市市南区东海西路 5 号                      20      897      54,792
太原分行       太原市迎泽大街 113 号                          19     1,022     53,476
温州分行       温州市车站大道神力大厦                         15      626      35,717
福州分行       福州市鼓楼区古田支路 1 号华夏大厦              12      518      22,858
呼和浩特分行   呼和浩特市回民区中山西路 1 号首府广场          12      761      21,937
天津分行       天津市河西区宾水道增 9 号环渤海发展中心 E 座   17      632      33,798
石家庄分行     石家庄中山西路 48 号                           32     1,228     69,839
宁波分行       宁波市江东区和源路 366 号                       9      509      20,086
绍兴分行       绍兴市延安路 260 号                             9      349      21,988
南宁分行       南宁市民族大道 136-2 号华润大厦 B 座           11      494      20,911
常州分行       常州市和平北路 162 号                          12      419      24,499
苏州分行       苏州市工业园区星海街 188 号                    17      569      46,441
无锡分行       无锡市崇安区新生路 105 号                      15      513      30,908
长沙分行       长沙市五一路 389 号华美欧国际大厦               7      358      25,862
合肥分行       合肥市濉溪路 278 号财富广场 C 座                8      324      19,386
厦门分行       厦门市思明区湖滨南路 62 号建设科技大厦          4      186      11,276
长春分行       长春市南关区人民大街 4888 号                    5      233      11,130
郑州分行       郑州市郑东新区商务外环路 29 号                  6      393      26,358
南昌分行       南昌市西湖区中山西路 10 号滨江首府              5      217      24,916
上海自贸试验
               中国(上海)自由贸易试验区台中南路 2 号         1       40            -
区分行
天津自由贸易   天津自贸区(空港经济区)中环西路 32 号铁建大
                                                               1       26            -
试验区分行     厦
区域汇总调整                                                    -        -   -844,855
总   计                                                       624   27,956   1,883,532




                                              10
       (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                                953,836                   94.35                        5.34
关注贷款                                 43,510                    4.30                       79.56
次级贷款                                  4,162                    0.41                       71.70
可疑贷款                                  6,947                    0.69                       25.13
损失贷款                                  2,559                    0.25                       12.78
           合计                        1,011,014                 100.00                        7.56
       报告期内,受复杂经济环境影响,行业风险、地区风险、互保链风险持续积
   聚暴露,信用风险加剧,银行资产质量面临较大压力。
       本集团积极应对复杂经济形势变化,努力改善信贷业务质量,调整优化业务
   结构、加强风险监测和预警、突出重点领域和行业风险防控、加大问题贷款处置
   力度,资产质量虽出现“双升”,但总体风险可控,运行相对平稳。
       报告期末,本集团不良贷款余额 136.68 亿元,比上年末增加 34.23 亿元;不
   良贷款率 1.35%,比上年末上升 0.26 个百分点;关注类贷款余额 435.10 亿元,
   比上年末增加 192.79 亿元,关注贷款率 4.30%,比上年末上升 1.72 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                         3                    140                 0.01
            逾期贷款                    22,826              47,579                    4.71
       注:逾期贷款包括本金或利息已逾期的贷款。任何一期本金或利息逾期 1
   天或以上,整笔贷款将归类为逾期贷款。
       报告期末,本集团重组贷款余额 1.40 亿元,比上年末增加 1.37 亿元。
       受经济下行、结构调整、需求不振等复杂因素影响,部分区域风险、行业风
   险、客户风险持续显现,受此影响,报告期末,本集团逾期贷款余额及占比上升
   较快,逾期贷款余额 475.79 亿元,比上年末增加 247.53 亿元,占比 4.71%,比
   上年末上升 2.28 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)
                       项目                                      2015 年 6 月 30 日
期初余额                                                                                     23,884
本期计提                                                                                      3,220
收回原转销贷款和垫款                                                                            30
减:因折现价值上升导致转出                                                                     215

                                                 11
减:本期核销                                                                            1,632
本期转入                                                                                         -
期末余额                                                                               25,287

  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。


         (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                        9,335            690,455          689,722              10,068
  应收利息坏账准备的提取情况:
         报告期内,本公司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
房地产                    633                     184             335                       66
其他                      55                       38             55                        38
合计                      688                     222             390                   104




                                            12
          报告期末,本集团抵债资产账面余额为 6.88 亿元,其中房地产类为 6.33 亿
     元,占全部抵债资产的 92.00%;其他类 0.55 亿元,占全部抵债资产的 8.00%。


          (十) 持有的金融债券情况
                                                                       (单位:百万元)
                           类别                                金额
       政策性银行金融债                                                        56,123
       商业银行金融债                                                           8,100
       国际金融公司金融债                                                          50
       商业银行次级债                                                            470
       保险公司次级债                                                           2,650
       商业银行混合资本债                                                        900
       商业银行二级资本债                                                        100
       合计                                                                    68,393



     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      4.20       2017/2/28      —
国家开发银行 2015 年第一期金融债券                   1,580      3.85        2018/1/8      —
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      —
中国进出口银行 2015 年第三期金融债券                 1,390      3.85       2020/1/26      —
国家开发银行 2015 年第三期金融债券                   1,200      3.76        2020/2/5      —
国家开发银行 2014 年第一期金融债券                   1,120      5.70       2017/1/14      —
国家开发银行 2008 年第二十期金融债券                 1,000      3.42      2018/11/25      —
2012 年第一期招商银行股份有限公司金融债券            1,000    R+0.95       2017/3/14      —
国家开发银行 2014 年第二十九期金融债券               1,000      4.22      2024/11/20      —
国家开发银行 2012 年第三十二期金融债券                 920      4.06        2022/7/9      —
中国进出口银行 2015 年第二期金融债券                   910      3.75       2017/1/26      —
国家开发银行 2015 年第四期金融债券                     850      3.86        2022/2/5      —
国家开发银行 2013 年第四十五期金融债券                 840      4.97      2018/10/24      —

          注:R:一年期定期存款利率。




                                             13
       (十一)报告期理财、资产证券化、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 19.86 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
        报告期内,本公司第一期信贷资产证券化信托资产支持证券于 2015 年 1 月
  26 日在银行间市场成功招标发行,总发行规模 45.93 亿元。
       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 593 只,托管规模 12,206.50 亿元,实现托管手续费收入 4.63
  亿元。
       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,本公司共有 16 家分行财富管理中心。本公司积极完善产品线,
  定期开展理财团队专业培训,加强人员管理和专业检查,强化合规销售,推动财
  富管理业务持续发展。


       (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                                              21,361          110               107
外汇掉期                                          207,672             630               643
利率互换                                              10,050           14               15
期权合约                                                 91              -                -
合计                                                                  754               765
       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。




                                           14
    (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                                              489,472               458,284
其中:
         不可撤消的贷款承诺                            13,636                10,376
         银行承兑汇票                                 355,578               327,567
         开出保函                                      18,610                21,263
         开出信用证                                    73,782                76,292
租赁承诺                                                6,831                 6,599
资本性支出承诺                                           501                   654
    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,以资产质量管控为中心,
强化重点领域风险盯防、业务结构调整优化、风险管理水平提升等工作,切实防
控各类风险,各项业务继续稳健发展。
    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
确、相互制约的信用风险管理组织架构:董事会下设关联交易控制委员会、风险
与合规管理委员会,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;本公司持续强化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,本公司积极应对经济
下行期信用风险管控压力不断增大的严峻形势,严格落实贷款“三查”专业管理,


                                      15
强化授信过程风险防控,持续严密盯防、分类施策,确保房地产、政府融资平台、
产能过剩、大宗商品融资业务等重点领域贷款风险可控;按照盘活存量、优化增
量原则,强化风险排查,加快退出低质客户,继续做好信贷结构调整和存量客户
梳理;按照早动手、早处置原则,多措并举,持续加快问题贷款的有效处置,资
产质量保持了较为平稳运行态势。
    (4)信贷资产风险分类程序和方法。本公司根据中国银监会《贷款风险分
类指引》规定的标准,综合考虑借款人的还款能力、还款意愿、还款记录、担保
状况及借款人内部管理等非财务因素对信贷资产进行分类;信贷资产风险分类实
施客户经理初分、客户经理主管复核、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 23,866.45 亿元。其中,表内业务风险敞口
18,971.73 亿元,占比 79.49%;表外业务风险敞口 4,894.72 亿元,占比 20.51%。
    风险集中度。报告期末,本公司最大单一法人客户贷款余额 60.20 亿元,占
资本净额的 4.52%;最大十家单一法人客户贷款余额 239.99 亿元,占资本净额的
18.02%。
    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。受区域、行业风险因素影响,报告期末,本集团
不良贷款行业主要集中在批发和零售业、制造业,不良贷款率分别为 3.35%、
2.62%,分别较上年末上升 0.43 和 0.61 个百分点,地区主要集中在华南及华中、
华东地区,不良贷款率分别为 1.64%、1.63%,分别较上年末上升 0.49 和 0.28 个
百分点,集团内华北及东北地区、西部地区不良贷款率低于本集团不良平均水平。
    (6)下半年信用风险管控措施。从目前内外部经济运行形势看,行业风险、
地区风险仍在持续,贷款违约仍较频繁,银行信用风险管控任务依然艰巨,本公
司将继续积极应对,加快推进全面风险管理架构实运转,强化全面信用风险管理;
严格贷款“三查”专业管理,强化授信过程风险防控;以资产质量为中心,狠抓
信贷业务结构调整,加快低质客户退出管理;加强风险监测和预警,严密盯防重
点区域、行业、业务风险;加大问题资产清收处置力度,积极创新处置手段,提
升处置工作成效;强化专业队伍建设和合规意识培养,严格尽职调查及责任追究,
严防过程风险及案件发生。
    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。


                                   16
    本公司高度重视流动性风险管理,报告期内,以流动性监管达标为底线和
出发点,在确保流动性安全的基础上,资产负债结构安排兼顾效益和风险,并通
过扩大债券投资规模,提高优质流动性资产储备,保持合理备付水平,确保支付
安全,全行流动性总体平稳,未发生支付困难,无违约及延迟支付等情况。
    报告期末,存贷比 72.74%,本、外币流动性比例分别为 49.61%、38.02%,
均符合监管要求。
     3、市场风险管理
     (1)市场风险管理情况。报告期内,本公司全面推进市场风险内部模型法
项目建设,搭建统一计量和管理各类市场风险指标、覆盖各类相关业务、适应未
来发展和风险控制需要的市场风险管理体系和技术平台,确保项目成果符合监管
要求并有效转化为本公司日常市场风险管理流程,高质量地实现“提升管理”和
“合规达标”的双重目标,支持前台业务发展。本公司根据自身的风险偏好与业
务变化,优化市场风险限额指标结构,合理设定限额水平,建立市场风险“限额
监测指标”体系,加强市场风险限额管理和监控的精细化程度,进一步完善市场
风险的管理手段,不断提升市场风险的识别、计量、监测和控制能力,确保市场
风险控制在合理可控水平。
     (2)利率风险状况。2015 年上半年,中国人民银行三次下调人民币存贷
款基准利率,同时进一步扩大存款浮动区间上限至基准利率的 1.5 倍。本公司积
极应对利率市场化挑战,定期监测人民币生息资产和付息负债在各期限重定价缺
口水平,并且定期对利率风险进行情景分析和压力测试。根据客户敏感度和成本
差异,实施差异化定价策略,适时调整定价策略和债券投资策略, 优化存款期限
结构、调整贷款重定价周期, 将本公司利率风险控制在合理水平,提高长期盈利
能力。
     (3)汇率风险状况。本公司密切关注人民币汇率趋势,密切跟踪人民币汇
率走势变化对相关外汇产品市值和风险的影响,持续加强外汇风险监测和限额管
理,有效控制总体汇率风险。积极帮助客户进行套期保值,管理汇率风险。
     4、操作风险管理
     报告期内,本公司操作风险管理持续开展操作风险识别、监测和报告,推
动操作风险新资本协议合规达标项目开展,操作风险管理运行情况良好。
     完善操作风险管理制度体系,修订印发操作风险管理政策和分行操作风险
管理评价办法。强化操作风险识别,针对外部第三方支付风险,提出加强风险控
制管理措施建议,组织开展相关排查工作。优化操作风险监测机制,调整全行级
和条线级关键风险指标,加强指标的时效性和可比性。强化操作风险损失数据分
析,对呆账核销数据操作风险典型案例进行分析,提出建议,并组织部分分行进
行案例宣讲。


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     开展操作风险新资本协议合规达标项目相关工作,完成监管要求差异分析
和项目规划;搭建操作风险管理制度架构体系;在部分条线开展操作风险管理工
具试点工作;组织开发操作风险管理系统。
     建立分行业务连续性管理评价机制,推动风险评估和业务连续性第三方影
响分析,加强第三方和操作场地业务连续性管理,制定完善业务连续性计划和业
务连续性应急预案,利用业务连续性演练长效优化机制,确保业务连续性。
     5、其他风险管理
    国别风险管理:2015 年主要国家经济恢复情况不一,部分敏感地区地缘政
治局势恶化。本公司完善国别风险管理流程,加强国别风险日常监测和管理。对
已授信国家按季度更新国别风险评级,计提国别风险准备金,加强境外金融机构
的跟踪监测。本公司涉及国别风险业务规模较小,国别风险总体可控。
    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。加强案防管理与组织推动,全员落实案防责任,加大员工行为管
理力度,规范营业场所管理。完善制度管理体系,进一步规范专业部门制度管理
职责。强化专业检查统筹管理,按季组织开展专业检查。深化问题整改长效机制,
加强基础管理,跟踪整改效果,严防差错重犯。完善内控合规绩效管理和员工行
为差错积分管理,强化全员主动合规意识。梳理内外部禁止性条款规定,加强全
行内控合规文化建设。
    信息科技风险管理:全面贯彻落实国家主管和监管部门的政策法规,不断完
善信息科技风险管理工作的体制、机制,提升信息科技风险管理水平。推进
ISO20000 体系建设,提升运维服务的透明度;建设“监、管、控”的运维管理
体系,实现运维管理从集中式、自动式向智能化的过渡;建成“两地三中心”的
灾备架构体系,实现了重要信息系统全覆盖,提升了业务连续性管理水平;建立
外联应用网关系统,实现全行统一的对外应用交换和数据交换技术标准,降低了
与行外系统连接的安全风险和 IT 系统重复建设的成本;推广“影像集中处理”
系统,运用影像扫描等技术手段,建设全行统一的流程化、自动化 IT 业务系统,
降低操作风险;推动电子渠道建设与整合工程,着力打造“第二银行”,提升电
子渠道风险防范能力,保障客户资金安全。
    声誉风险管理:不断加强声誉风险管理机制建设,重点从源头防范声誉事件
产生。通过考核评价、风险排查等进一步夯实声誉风险管理基础,不断形成风险
管理的长效机制。创新演练形式,将员工的持续培训演练作为一种常规工作,不
断强化先进的声誉风险管理理念和技能培训,通过长期的声誉风险管理文化培
植,使全员树立业务经营中时时有风险、处处有风险的意识,使声誉风险管理理
念渗透至经营管理的全过程。加强舆论引导,围绕行业热点和重点工作,加大正


                                  18
面宣传和舆论引导,努力营造行业发展氛围。


    (十五)推出的创新业务品种情况
    本公司积极应对市场变化,以客户需求为导向,不断加大产品创新力度,报
告期内推出多项创新业务。创新还款方式,优化年审制贷款;运用大数据分析,
创新 POS 网贷;围绕优势产业链和平台经济中核心客户,创新网络贷系列产品;
针对创业或再就业的小微企业客户持续创新创业贷。以自有知识产权的支付融资
系统为依托,创新“华夏云缴费”业务,辅助企业收费管理信息技术化。充分发
挥境外代理行网络优势,创新推出跨境收汇赢产品,为客户获取金融收益;创新
推出保理账款通业务,便利企业及时获取应收账款融资,提高资金周转效率。积
极推动移动支付产品创新,推出基于银联 TSM、人行 MTPS 平台的移动支付应
用,提升客户体验。开发基于个人客户综合贡献度的“综合积分”功能,实现全
零售业务品种统一积分。完善个贷产品功能、渠道、流程,研发推广薪金贷、菁
英贷、车改一站通、生活 e 贷等综合消费贷款产品。打造“客户极简体验”,推
出移动银行 3.0 版一期,提供利用智慧移动银行服务功能,逐步建立移动银行“有
车一族”等生态圈特色服务;在同业中较早推出互联网金融创新型产品——直销
银行,积极探索“互联网+ETC”的 O2O 模式,扩大服务半径,提升客户体验。




                             第三节 董事会报告

    一、财务状况分析与讨论
    (一)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。
    1、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%。
    2、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。

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    3、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。
    4、服务质效不断提升
    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。
    5、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。
    6、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。




                                   20
             (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          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
                                                       较上年同期增减
       主要财务指标           2015 年 1-6 月                                              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、归属于上市公司
归属于上市公司股东的净利润               9,263                        6.84
                                                                             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


             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           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




                                                      21
           3、利润表主要项目分析
           (1)利息收入
                                                                          (单位: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


           (2)利息支出
                                                                             (单位: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: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

                                                  22
 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: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

            (5)所得税费用
                                                                           (单位: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


            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
                                             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

                                                  23
  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: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


         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                                   23,999                                        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: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: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



                                              24
           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: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: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


            (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                            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


            (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              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

                                                    25
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


           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                         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


           (四)核心竞争力分析
           全面实施“中小企业金融服务商”战略,按照“公司业务以中小企业客户为
       主要客户群体,零售业务以中等收入客户为主要客户群体,机构建设重点发展中
       等城市并向中西部地区倾斜,逐步形成自身经营特色和区域专业经营优势”的“三
       中”发展定位,全面服务实体经济。公司创新驱动、转型发展步伐加快,具有较
       强的应对复杂经营环境和激烈市场竞争的能力。
           完善小微企业金融综合服务体系,打造“平台金融”业务模式。自主研发支
       付融资系统,围绕平台企业批量服务小微企业,提高了对小微企业服务的能力。
       推广“年审制”贷款,有效缓解了小微企业融资“先还后贷”压力,降低融资成
       本。
           服务京津冀协同发展战略。本公司安排专项贷款规模 200 亿元,选定南水北
       调配套工程等 14 个具有明显经济和社会效益的项目, 服务京津冀协同发展。适
       应京津冀三地居民跨区域金融服务的需要,在业内率先推出京津冀协同卡,两市
       一省区域内资金汇划业务免收手续费,打造“大同城”金融服务圈。做好京津冀
       产业迁移的金融服务衔接,积极引入世行、亚行贷款支持企业节能减排升级改造。
           打造具有智慧特色的“第二银行”。依托“华夏龙网”网上银行和“小龙人”
       移动银行两个平台,形成了包括网银、网站、客服、移动银行、微信银行、直销
       银行等在内的具有“智慧”特色的电子银行服务体系,提升服务实体经济的能力。
       目前,本公司电子银行交易笔数替代率已达到 50%以上,初步形成了电子银行渠
       道与传统物理网点渠道“两个银行”并举的格局。


                                          26
                (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)
                               初始投     占该公司股 期末账        报告期    报告期所有    会计科目
     证券代码    证券简称                                                                               股份来源
                               资金额     权比例(%) 面价值         收益    者权益变动      核算
                                                                                           可供出售
    V            Visa Inc.            1       0.0003           1     0.01              -               会费转股
                                                                                           金融资产


                (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)
                             初始投     持股数量    占该公司股 期末账        报告期    报告期所有     会计科    股份
    持有对象名称
                             资金额   (百万股)    权比例(%) 面价值         收益    者权益变动     目核算    来源
                                                                                                      可供出
                                                                                                               自有资
中国银联股份有限公司             81         62.50         2.13         81          -             -    售金融
                                                                                                               金入股
                                                                                                      资产
北京大兴华夏村镇银行                                                                                  长期股   自有资
                                100          100              80      100          -             -
有限责任公司                                                                                          权投资   金入股
昆明呈贡华夏村镇银行                                                                                  长期股   自有资
                                 35           35              70       35          -             -
股份有限公司                                                                                          权投资   金入股
四川江油华夏村镇银行                                                                                  长期股   自有资
                                 35           35              70       35          -             -
股份有限公司                                                                                          权投资   金入股
                                                                                                      长期股   自有资
华夏金融租赁有限公司          2,460         2,460             82     2,460         -             -
                                                                                                      权投资   金入股
                注:本集团以上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 54,247.44 万元,净资产 13,614.83 万元;存款余额 39,670.82
           万元,同比减少 20.68%;贷款余额 32,284.89 万元,同比减少 13.69%;报告期
           实现净利润 132.80 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,

                                                         27
该行资产总额 51,655.29 万元,净资产 46,064.15 万元;存款余额 35,353.17 万元,
同比增长 8.35%;贷款余额 39,225.34 万元,同比增长 34.96%;报告期实现净利
润 274.21 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 72,775.90 万元,净资产 6,432.17 万元;存款余额 63,506.57 万元,
同比增长 55.35%;贷款余额 44,721.11 万元,同比增长 44.62%;报告期实现净
利润 417.92 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 350.55 亿元,负债总额 315.73 亿元,净资产 34.82 亿元,实现
净利润 25,972.24 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 2014 年度利润分配方案和资本公积转增股本方案已经 2014 年度股东
大会通过,具体实施情况如下:
    利润分配:以 2014 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。
    资本公积转增股本:以 2014 年末总股本 8,904,643,509 股为基数,按照每 10
股转增 2 股,将资本公积转增股本,转增股本 1,780,928,702 股。转增后公司总
股本为 10,685,572,211 股。
    本公司 2014 年度利润分配和资本公积转增股本的股权登记日为 2015 年 7
月 7 日,除权除息日为 2015 年 7 月 8 日,现金红利发放日为 2015 年 7 月 8 日,
新增无限售条件流通股份上市日为 2015 年 7 月 9 日。公告刊登于 2015 年 7 月 2
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
    当前,国内经济下行压力持续存在,银行业整体经营环境正发生深刻变化,
各类风险之间的关联度不断增强,风险形势更加复杂、更加严峻。




                                     28
       一是随着经济结构调整的深入,部分行业和地区不良贷款加速暴露,风险
扩散蔓延有所加快,信用风险高发态势仍将持续。
       二是由于存款利率的浮动区间扩大,以及银行间竞争日趋激烈,利差显著
收窄,对银行改善资产负债管理、平衡收益和风险提出了更高的要求。
       三是货币市场的影响因素增多,国际资本流动更为频繁,市场流动性正在
发生新变化,银行负债的稳定性被削弱,流动性风险管理压力加大。
       四是随着互联网和移动通信技术的日新月异,网上银行、手机银行、网上
支付等业务的快速普及,外部风险向银行业的传导加剧,同时给案件风险防控带
来了巨大压力。


    四、下半年经营情况展望
    本公司继续以提升质量和效益为重点,着力做好促进发展、激发活力、深化
管理的改革工作,持续抓好结构调整、风险管控、服务客户的基础工作,确保全
面完成全年各项工作目标。
       (一)扎实推进营销机制改革,促进存款稳定增长
    ——进一步加大存款营销组织和产品推广力度,抓好过路资金营销和沉淀,
推动存款持续增长。
    ——加大客户营销与维护力度。抓好基础客户营销服务,围绕 ETC、社区
金融、老年金融等特色客户群服务,加快个人客户规模和业务的提升。围绕授信
客户或核心客户的上下游以及关联客户进行开发,挖掘和满足基础客户的金融需
求。
    ——充分运用好产品营销。进一步发挥产品研发机构的作用,加快推出适用
性高的产品,持续推动重点产品的运用。
       (二)优化贷款结构,确保质量
    ——加大小微企业和个人贷款投放力度。积极发挥“小、快、灵”的业务优
势,加强对小微企业的主动营销,优化个人贷款结构,为“大众创业、万众创新”
做好金融服务。
    ——优化对公业务贷款结构。进一步加大民生工程、健康医疗、文化教育、
绿色信贷、新兴战略、传统产业转型升级等行业和领域投放,对接国家发展战略
和区域发展规划,制定区域信贷政策,引领区域内分行协同行动。
    ——强化新增授信质量管理。着力提高贷前调查的真实性,加大项目实地核
查力度,强化客户真实信用风险分析。提高贷中审批的独立性和前瞻性,把好准
入关。继续从业务余额、业务期限、行业比例等维度实施产品集中度管理。
    ——加大风险处置力度,多渠道清收化解处置问题贷款。


                                      29
    (三)加快中间业务发展
    ——加快理财业务发展。进一步提高理财业务的客户服务能力,丰富产品线,
满足不同客户需求。
    ——加快同业业务发展。加强业务创新,丰富业务品种,把握好债券投资时
机,调结构、增收益、防风险。
    ——加快信用卡、资产托管、国际业务发展,进一步优化产品结构,加强联
动营销。
    (四)持续打造 “华夏服务”品牌
    ——加快“第二银行”建设。深化客户体验机制,让用户参与产品设计,持
续优化移动银行和网上银行两个平台,提升现有产品和服务的网上办理水平。加
快探索“互联网+”应用,推进与直销银行、微信等互联网平台的融合。
    ——加快机构网点建设。坚持厉行节约的原则,加快建设资源节约型的社区
和小微支行。
    ——加快推进影像集中系统、数据仓库等项目建设,强化科技对业务发展的
服务支撑。
    (五)继续做好京津冀系统发展金融服务
    ——安排专项资金服务京津冀协同发展的重点项目,做出成效。
    ——加强客户信息和项目共享,做好三地外迁客户的金融服务衔接。
    ——用好专项研发基金、转贷款、产业发展基金等资源,支持三地环境治理、
节能减排等工作。
    ——继续深化京津冀协同卡的影响,提升品牌美誉度。
    (六)强化全面风险管理
    ——有序开展全面风险政策制度体系建设及单一风险制度体系优化完善等
工作,推进全面风险管理组织架构优化方案落地实施。
    ——加强新兴业务风险防控,各有侧重,加强市场研究和同业分析,动态应
对市场和行业变化,确保业务健康发展。
    ——进一步提升流动性风险管理能力,流动性风险管理覆盖表内外所有业务
和附属机构,提高信息系统对流动性风险管理的保障能力。
    ——继续加强业务连续性、信息科技等风险管理,做好关键系统的切换演练,
加强系统问题判断的前瞻性,提前做好应对方案和准备。
    ——进一步加强规范运营。全面落实防止差错重犯机制,坚决治理屡查屡犯
问题,培育风险防范内化于心、外化于行的内控合规文化,对违规越权、故意作
假行为实行“零容忍”。




                                  30
                              第四节 重要事项

    一、公司治理情况
    (一)关于股东和股东大会
    报告期内,本公司召开了 1 次股东大会,相关决议公告刊登在 2015 年 5 月
13 日的《中国证券报》、《上海证券报》、《证券时报》和上交所网站。
    (二)关于董事和董事会
    报告期内,本公司召开了 3 次董事会会议,相关决议公告分别刊登在 2015
年 3 月 26 日、4 月 17 日和 4 月 30 日《中国证券报》、《上海证券报》、《证券时
报》和上交所网站。各位董事认真出席董事会及专门委员会会议并审议各项议案,
勤勉尽职行使权利、履行相应的义务,不断健全董事会的决策机制。
    (三)关于监事和监事会
    报告期内,本公司召开了 3 次监事会会议,相关决议公告分别刊登在 2015
年 4 月 17 日和 5 月 28 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 17 项。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
    报告期内,本公司无重大诉讼、仲裁和媒体质疑事项。截至报告期末,公司
存在人民币 1000 万元以上的未决诉讼案件 371 件,涉及标的人民币 111.84 亿元,
其中作为被告的未决诉讼案件 9 件,涉及标的人民币 3.86 亿元。公司对未决被
诉案件可能遭受的损失已经足额计提预计负债。


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


    四、重大关联交易事项
    (一)持股5%及5%以上股份股东的贷款情况

                                      31
       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)     2015 年 6 月末贷款余额         2014 年末贷款余额
   首钢总公司          1,805,506,536                      6,020                         6,020


       (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              2015 年 6 月末贷款余额          占贷款总额比例(%)
首钢总公司                                                6,020                                 0.62
首钢贵阳特殊钢有限责任公司                                  300                                 0.03
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                                 0.01
北京京西重工有限公司                                        120                                 0.01
首钢伊犁钢铁有限公司                                            90                              0.01
通化钢铁集团进出口有限公司                                31.16                                 0.00
       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155,000万元。
       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),向国网英大国际控股集团有限公司的关
   联公司中国电力技术装备有限公司开立非融资保函余额 1,500 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山东首钢钢铁贸易有限公
   司开立银行承兑汇票余额 8,250 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 492.43 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
   7,830.03 万元(扣除保证金存款、质押存单及国债金额),向首钢总公司关联公
   司通化钢铁股份有限公司开立信用证余额 10,000 万元(扣除保证金存款、质押
   存单及国债金额),向首钢总公司关联公司通化钢铁集团进出口有限公司开立信
   用证余额折合人民币 8,891.94 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开立信用证余额 6,000 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吉林通钢矿

                                            32
业有限责任公司开立信用证余额 45,000 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 4,049.91 万元(扣除保证金存款、质押存单及国债金额)。向首钢总公司
关联公司首钢贵阳特殊钢有限责任公司办理融贷通承诺业务余额 3,000 万元(扣
除保证金存款、质押存单及国债金额)。与德意志银行股份有限公司关联公司德
意志银行(中国)有限公司外汇买卖交易额折合人民币 55,817.10 万元(扣除保
证金存款、质押存单及国债金额)。代理本公司关联方华夏金融租赁有限公司开
立银行承兑汇票余额 9000 万元(扣除保证金存款、质押存单及国债金额)。向
德意志银行股份有限公司办理出口商保理业务余额折合人民币 434.13 万元(扣
除保证金存款、质押存单及国债金额)。向红塔烟草(集团)有限责任公司关联
公司云南安晋高速公路开发有限公司发放贷款余额 24,250 万元,占贷款总额比
例为 0.02%,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房
地产贷款余额 8,838 万元,占贷款总额比例为 0.01%。
    4、报告期末,本公司向关联公司发放的贷款余额为人民币 74.87 亿元,占
本公司贷款总额的 0.77%。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。
本公司严格执行银监会《商业银行与内部人和股东关联交易管理办法》,关联交
易按照商业原则,以不低于对非关联方同类交易的条件,作为关联交易的定价原
则和依据。


   五、重大合同及其履行情况
   (一)重大托管、承包、租赁事项
   报告期内,本公司无重大托管、承包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,本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。

                                    33
           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
                     承诺自 2011 年本公司非公开发行股份交割之日起 5 年内不转让本次
     承诺事项        发行所认购的本公司股份;到期转让股份及受让方的股东资格应根
                     据相关法律法规的规定取得监管部门的同意。
     承诺时间     2011 年 4 月 26 日
     承诺期限     5年
     承诺履行情况 履行中


              七、公司及董事、监事、高级管理人员及持有 5%以上股份的股东受处罚
       情况
           2015年5月,本公司收到《中共北京市纪委立案决定书》,中共北京市纪委
       对本公司副行长王耀庭先生的违纪问题予以立案。


              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七届董事 《中国证券报》《上海
                                                        2015.03.26   http://www.sse.com.cn
会第八次会议决议公告             证券报》《证券时报》
华夏银行股份有限公司关联交易公
                                         同上           2015.03.26           同上

华夏银行股份有限公司独立董事辞
                                         同上           2015.04.15           同上
职公告
华夏银行股份有限公司外部监事辞
                                         同上           2015.04.15           同上
职公告
华夏银行股份有限公司 2014 年年度
                                         同上           2015.04.17           同上
报告
华夏银行第七届董事会第九次会议
                                         同上           2015.04.17           同上
决议公告
华夏银行第七届监事会第七次会议
                                         同上           2015.04.17           同上
决议公告

                                           34
    华夏银行非公开发行优先股预案的
                                                     同上              2015.04.17              同上
    公告
    华夏银行关于章程修订的公告                       同上              2015.04.17              同上
    华夏银行关于召开 2014 年度股东大
                                                     同上              2015.04.17              同上
    会的通知
    华夏银行现金分红说明会预告公告                   同上              2015.04.24              同上
    华夏银行股份有限公司 2015 年第一
                                                     同上              2015.04.30              同上
    季度报告
    华夏银行股份有限公司第七届董事
                                                     同上              2015.04.30              同上
    会第十次会议决议公告
    华夏银行股份有限公司公告                         同上              2015.05.05              同上
    华夏银行股份有限公司公告                         同上              2015.05.08              同上
    华夏银行股份有限公司关于召开
    2014 年度股东大会网络投票的提示                  同上              2015.05.12              同上
    性公告
    华夏银行股份有限公司 2014 年度股
                                                     同上              2015.05.13              同上
    东大会决议公告
    华夏银行股份有限公司关于职工监
                                                     同上              2015.05.14              同上
    事辞职及新选职工监事任职公告
    华夏银行股份有限公司第七届监事
                                                     同上              2015.05.28              同上
    会第九次会议决议公告



                                        第五节 股本变动及股东情况

                   一、股份变动情况表
                                                                                       (单位:股)
                               本次变动前                                                        本次变动后
                                                            本次变动增减(+,-)
                          (2014 年 12 月 31 日)                                           (2015 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

                                                      35
 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)                                                              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                                                 股
           股东名称                  股东性质                        比例     持股总数       条件股份数
                                                      增减                                                   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
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

                                                            36
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。


                   三、有限售条件股东持股数量及限售条件
                                                                                    (单位:股)
                                 持有的   有限售条件股份可上市交易情况
    序       有限售条件
                               有限售条件     可上市        新增可上市                 限售条件
    号         股东名称
                                 股份数量   交易时间      交易股份数量
                                                                           本公司非公开发行 18.5919746 亿
                                                                           有限售条件的流通股。所有投资者
                                                                           认购股份的锁定期限均为 60 个
     1       首钢总公司        898,565,511    2016.04.26     898,565,511   月,锁定期自 2011 年 4 月 26 日开
                                                                           始计算,本公司将向上海证券交易
                                                                           所申请本次非公开发行的股票于
                                                                           2016 年 4 月 26 日上市流通。
                                                                           本公司非公开发行 18.5919746 亿
                                                                           有限售条件的流通股。所有投资者
                                                                           认购股份的锁定期限均为 60 个
         国网英大国际控股集
     2                         849,298,449   2016.04.26      849,298,449   月,锁定期自 2011 年 4 月 26 日开
             团有限公司
                                                                           始计算,本公司将向上海证券交易
                                                                           所申请本次非公开发行的股票于
                                                                           2016 年 4 月 26 日上市流通。
                                                                           本公司非公开发行 18.5919746 亿
                                                                           有限售条件的流通股。所有投资者
          DEUTSCHE BANK
                                                                           认购股份的锁定期限均为 60 个
         LUXEMBOURG S.A.
     3                         669,092,738   2016.04.26      669,092,738   月,锁定期自 2011 年 4 月 26 日开
         德意志银行卢森堡股
                                                                           始计算,本公司将向上海证券交易
             份有限公司
                                                                           所申请本次非公开发行的股票于
                                                                           2016 年 4 月 26 日上市流通。



                                                     37
                         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
李汝革                副董事长                      0         0          0          0
方建一                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
Robert Vogtle         董事                          0         0          0          0
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、工会主席        0         0          0          0
赵军学                董事、董事会秘书              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
程晨                  监事                          0         0          0          0
祝卫                  外部监事                      0         0          0          0
林新                  外部监事                      0         0          0          0
武常岐                外部监事                      0         0          0          0
马元驹                外部监事                      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
孙彤军                职工监事                      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
裴长洪                报告期内离任独立董事          0         0          0          0
高培勇                报告期内离任外部监事          0         0          0          0


                                             38
戚聿东                   报告期内离任外部监事           0       0          0          0
陆志芳                   报告期内离任外部监事           0       0          0          0
李国鹏                   报告期内离任职工监事           0       0          0          0
王耀庭                   报告期内离任副行长             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。
            注:
            1、2015 年 7 月 14 日,本公司董事会收到副董事长方建一先生的书面辞职报告。方建
         一先生因退休原因,辞去本公司副董事长、董事以及董事会相关委员会委员的职务。
            2、2015 年 8 月 3 日,本公司董事会收到副行长黄金老先生的书面辞职报告。黄金老先
         生因个人工作调动原因,辞去本公司副行长职务。


             二、董事、监事、高级管理人员新聘或解聘情况
             2015 年 4 月 13 日,本公司董事会收到独立董事裴长洪先生提交的书面辞职
         报告。根据有关规定精神,裴长洪先生辞去本公司独立董事职务。
             2015 年 4 月 13 日,本公司监事会收到外部监事高培勇先生、戚聿东先生、
         陆志芳先生提交的书面辞职报告。根据有关规定精神,高培勇先生、戚聿东先生
         辞去本公司外部监事职务。陆志芳先生因工作原因,辞去本公司外部监事职务。
             2015 年 5 月 7 日,本公司董事会收到王耀庭先生的书面辞职报告。王耀庭
         先生辞去本公司副行长职务。
             2015 年 5 月 11 日,本公司监事会收到职工监事李国鹏先生的书面辞职报告。
         李国鹏先生因退休原因,辞去本公司职工监事职务。
             2015 年 5 月 11 日,本公司职工代表大会选举孙彤军先生为本公司职工监事。
             2015 年 5 月 12 日,本公司 2014 年度股东大会选举 Robert Vogtle 先生为本
         公司董事(Robert Vogtle 先生正在依据监管规定履行任职资格核准手续,在获得
         任职资格核准前暂不履行董事职责);选举林新先生、武常岐先生、马元驹先生
         为本公司外部监事。




                                       第七节 财务报告

             一、财务报告见附件。
             二、本公司 2015 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。




                                                39
                         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
                                               2015 年 8 月 6 日




                                 40
                    华夏银行股份有限公司董事、高级管理人员
                    关于公司 2015 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 2015 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 2015 年
   半年度报告及其摘要公允地反映了本公司 2015 年上半年的财务状况和经营成
   果。
         2、本公司 2015 年半年度财务报告未经审计。
         3、我们认为,本公司 2015 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。
                                                               2015 年 8 月 6 日
          姓   名                      职    务                 签   名
吴建                        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、工会主席
赵军学                      董事、董事会秘书
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
李翔                        副行长
关文杰                      财务负责人




                                            41
华夏银行股份有限公司

中期财务报告(未经审计)
2015 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)
2015 年 1 月 1 日至 6 月 30 日至期间




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 - 82
华夏银行股份有限公司


银行及合并资产负债表
2015 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
                                        2015 年           2014 年       2015 年          2014 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           276,285       292,248        276,082          292,013
  存放同业款项                 2            35,988        62,666         35,977           62,568
  拆出资金                     3            27,908        19,108         27,908           19,108
  以公允价值计量且其变动
    计入当期损益的金融资产     4          9,719            9,066          9,719           9,066
  衍生金融资产                 5            754              625            754             625
  买入返售金融资产             6        162,930          123,136        162,930         123,136
  应收利息                     7         10,068            9,335         10,064           9,329
  发放贷款和垫款               8        985,727          916,105        949,881         887,839
  可供出售金融资产             9         72,394           63,448         72,394          63,448
  持有至到期投资               10       158,699          136,277        158,699         136,277
  应收款项类投资               11       155,047          201,134        155,047         201,134
  长期股权投资                 12            -                -           2,630           2,630
  固定资产                     13        10,142            9,359         10,132           9,347
  无形资产                     14            87               88             86              87
  递延所得税资产               15         4,638            4,419          4,604           4,378
  其他资产                     16         6,846
                                      _______              4,614
                                                       _______            6,625
                                                                      _______             4,402
                                                                                      _______
资产总计                              1,917,232
                                      _______          1,851,628
                                                       _______        1,883,532
                                                                      _______         1,825,387
                                                                                      _______




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


银行及合并资产负债表 - 续
2015 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
                                          2015 年           2014 年       2015 年          2014 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                 18        17,520           20,058         17,500          20,000
  同业及其他金融机构存放款项     19       260,686          284,340        261,153         284,714
  拆入资金                       20        60,508           42,638         33,692          22,264
  衍生金融负债                   5            765              556            765             556
  卖出回购金融资产款             21        76,174           40,202         76,174          40,202
  吸收存款                       22     1,320,604        1,303,216      1,319,237       1,301,895
  应付职工薪酬                   23         7,638            6,733          7,606           6,672
  应交税费                       24         3,870            4,077          3,812           4,025
  应付利息                       25        16,819           17,567         16,546          17,342
  预计负债                       26             1                2              1               2
  应付债务凭证                   27        31,221           23,839         31,221          23,839
  其他负债                       28         9,628
                                        _______              6,301
                                                         _______            5,136
                                                                        _______             2,618
                                                                                        _______
负债合计                                1,805,434
                                        _______          1,749,529
                                                         _______        1,772,843
                                                                        _______         1,724,129
                                                                                        _______
股东权益
  股本                           29        8,905            8,905          8,905           8,905
  资本公积                       30       30,543           30,543         30,542          30,542
  其他综合收益                   43          468               81            468              81
  盈余公积                       31        7,914            6,134          7,914           6,134
  一般准备                       32       21,449           17,100         21,427          17,100
  未分配利润                     33       41,829
                                        _______            38,695
                                                         _______          41,433
                                                                        _______           38,496
                                                                                        _______
归属于母公司股东权益合计                  111,108          101,458        110,689         101,258
少数股东权益                                  690
                                        _______                641
                                                         _______        _______-        _______-
股东权益合计                              111,798
                                        _______            102,099
                                                         _______          110,689
                                                                        _______           101,258
                                                                                        _______
负债及股东权益总计                      1,917,232
                                        _______          1,851,628
                                                         _______        1,883,532
                                                                        _______         1,825,387
                                                                                        _______



附注为财务报表的组成部分

第 1 页至第 82 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
2015 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    2015 年         2014 年      2015 年         2014 年
                                                       (未经审计)      (未经审计)   (未经审计)      (未经审计)

一、营业收入                                              28,328
                                                         _____           26,377
                                                                        _____          27,828
                                                                                      _____           26,051
                                                                                                     _____
    利息净收入                                  34         23,241         22,056        22,929         21,857
      利息收入                                             46,633         45,906        45,767         45,345
      利息支出                                            (23,392)       (23,850)      (22,838)       (23,488)

    手续费及佣金净收入                          35         5,335          3,666         5,176          3,539
      手续费及佣金收入                                     5,849          4,041         5,679          3,906
      手续费及佣金支出                                      (514)          (375)         (503)          (367)

    投资收益/(损失)                             36          (275)           326          (275)           326
    公允价值变动收益/(损失)                     37           (35)           226           (35)           226
    汇兑收益                                    38            16             89            16             89
    其他业务收入                                              46             14            17             14

二、营业支出                                             (15,942)
                                                         _____          (14,876)
                                                                        _____         (15,793)
                                                                                      _____          (14,681)
                                                                                                     _____
    营业税金及附加                              39        (2,075)        (1,820)       (2,060)        (1,805)
    业务及管理费                                40       (10,368)        (9,985)      (10,307)        (9,934)
    资产减值损失                                41        (3,491)        (3,061)       (3,418)        (2,932)
    其他业务成本                                         _____(8)           (10)
                                                                        _____         _____(8)           (10)
                                                                                                     _____
三、营业利润                                              12,386         11,501        12,035         11,370
    加:营业外收入                                            45            112            41            102
    减:营业外支出                                           (15)
                                                         _____              (13)
                                                                        _____             (15)
                                                                                      _____              (13)
                                                                                                     _____
四、利润总额                                              12,416         11,600        12,061         11,459
    减:所得税费用                              42        (3,104)
                                                         _____           (2,910)
                                                                        _____          (3,017)
                                                                                      _____           (2,875)
                                                                                                     _____
五、净利润                                                 9,312          8,690         9,044          8,584
                                                         _____          _____         _____          _____
    归属于母公司股东的净利润                               9,263          8,670         9,044          8,584
    少数股东损益                                              49             20            -              -
                                                         _____          _____         _____          _____
六、其他综合收益税后净额                        43           387          1,243           387          1,243
    (一) 以后不能重分类进损益的其他综合收益                   -              -             -              -
    (二) 以后将重分类进损益的其他综合收益
    1.可供出售金融资产公允价值变动损益                      387
                                                         _____            1,243
                                                                        _____            387
                                                                                      _____            1,243
                                                                                                     _____
    归属于母公司股东的其他综合收益税后净额                   387          1,243           387          1,243
    归属于少数股东的其他综合收益税后净额                      -              -             -              -
                                                         _____          _____         _____          _____
七、综合收益总额                                           9,699          9,933         9,431          9,827
                                                         _____          _____         _____          _____
    归属于母公司股东的综合收益总额                         9,650          9,913         9,431          9,827
    归属于少数股东的综合收益总额                              49             20            -              -
                                                         _____          _____         _____          _____
八、每股收益
    基本每股收益(人民币元)                      44         0.87           0.81
                                                         _____          _____



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
2015 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    2015 年         2014 年      2015 年         2014 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            -          89,850
  向中央银行借款净增加额                              -              28            -              -
  存放中央银行和同业款项净减少额                  27,673             -         27,502             -
  向其他金融机构拆入资金净增加额                  53,842             -         47,400             -
  收取利息、手续费及佣金的现金                    41,279         44,412        40,241         43,714
  收到其他与经营活动有关的现金                     1,895
                                                 ______             807
                                                                ______            197
                                                                              ______             797
                                                                                             ______
经营活动现金流入小计                              124,689
                                                 ______          135,030
                                                                ______         115,340
                                                                              ______          134,361
                                                                                             ______
向中央银行借款净减少额                             (2,538)            -         (2,500)            -
客户存款和同业及其他金融机构
  存放款项净减少额                                 (6,266)            -         (6,219)            -
客户贷款和垫款净增加额                            (72,872)       (70,777)      (65,219)       (57,477)
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)           -         (35,641)
拆出资金及买入返售金融资产净增加额                (20,021)       (92,462)      (20,021)       (92,462)
支付利息、手续费及佣金的现金                      (24,062)       (21,137)      (23,545)       (20,823)
支付给职工以及为职工支付的现金                     (6,063)        (5,120)       (6,001)        (5,081)
支付的各项税费                                     (5,797)        (5,394)       (5,706)        (5,326)
支付其他与经营活动有关的现金                       (3,460)
                                                 ______           (1,876)
                                                                ______          (2,572)
                                                                              ______           (4,173)
                                                                                             ______
经营活动现金流出小计                             (141,079)
                                                 ______         (233,356)
                                                                ______        (131,783)
                                                                              ______         (232,775)
                                                                                             ______
经营活动产生的现金流量净额               46       (16,390)
                                                 ______          (98,326)
                                                                ______         (16,443)
                                                                              ______          (98,414)
                                                                                             ______
投资活动产生的现金流量
  收回投资收到的现金                              100,527         64,388       100,527         64,388
  取得投资收益收到的现金                           10,195          4,673        10,195          4,673
  处置固定资产、无形资产和
    其他长期资产收到的现金净额                   ______6        ______64      ______6        ______64
投资活动现金流入小计                              110,728
                                                 ______          69,125
                                                                ______         110,728
                                                                              ______          69,125
                                                                                             ______
投资支付的现金                                    (86,194)       (66,998)      (86,194)       (66,998)
购建固定资产、无形资产和
  其他长期资产支付的现金                           (1,286)
                                                 ______            (990)
                                                                ______          (1,285)
                                                                              ______            (988)
                                                                                             ______
投资活动现金流出小计                              (87,480)
                                                 ______          (67,988)
                                                                ______         (87,479)
                                                                              ______          (67,986)
                                                                                             ______
投资活动产生的现金流量净额                        23,248
                                                 ______           1,137
                                                                ______         23,249
                                                                              ______           1,139
                                                                                             ______




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


银行及合并现金流量表 - 续
2015 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    2015 年         2014 年      2015 年         2014 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                                 -              -             -              -
  其中:子公司吸收少数股东权益性
        投资收到的现金                              -              -             -              -
  发行债务凭证所收到的现金                      18,093
                                               ______           2,978
                                                              ______         18,093
                                                                            ______           2,978
                                                                                           ______
筹资活动现金流入小计                            18,093
                                               ______           2,978
                                                              ______         18,093
                                                                            ______           2,978
                                                                                           ______
偿还债务支付的现金                              (10,711)           -         (10,711)           -
分配股利、利润或偿付利息支付的现金                 (592)
                                               ______            (422)
                                                              ______            (592)
                                                                            ______            (422)
                                                                                           ______
筹资活动现金流出小计                            (11,303)
                                               ______            (422)
                                                              ______         (11,303)
                                                                            ______            (422)
                                                                                           ______
筹资活动产生的现金流量净额                       6,790
                                               ______           2,556
                                                              ______          6,790
                                                                            ______           2,556
                                                                                           ______
汇率变动对现金及现金等价物的影响额                 (58)
                                               ______             223
                                                              ______            (58)
                                                                            ______             223
                                                                                           ______
现金及现金等价物净增加额               46        13,590        (94,410)       13,538        (94,496)
加:期初现金及现金等价物余额                    220,228
                                               ______          216,347
                                                              ______         220,065
                                                                            ______          216,236
                                                                                           ______
期末现金及现金等价物余额               45       233,818
                                               ______          121,937
                                                              ______         233,603
                                                                            ______          121,740
                                                                                           ______



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
2015 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
                                                                      其他                                                       少数
                                      附注七    股本     资本公积   综合收益    盈余公积    一般准备   未分配利润    小计      股东权益     合计

一、2015 年 1 月 1 日余额(经审计)              ____
                                                8,905    ____
                                                          30,543    ____81      ____
                                                                                 6,134      ____
                                                                                             17,100     ____
                                                                                                         38,695     ____
                                                                                                                    101,458     ___641     ____
                                                                                                                                           102,099

二、本期增减变动金额
(一)净利润                                         -          -          -           -           -         9,263      9,263        49        9,312
(二)其他综合收益                        43     ____-     ____-      ____387     ____-       ____-       ____-       ____387     ___-       ____387
上述(一)和(二)小计                             ____-     ____-      ____387     ____-       ____-       ____
                                                                                                         9,263      ____
                                                                                                                     9,650      ___49      ____
                                                                                                                                            9,699

(三)利润分配
1.提取盈余公积                          31         -          -          -        1,780          -        (1,780)       -          -           -
2.提取一般准备                          32         -          -          -           -        4,349       (4,349)       -          -           -
3.股利分配                              33     ____-     ____ -     ____ -      ____ -      ____ -      ____  -     ____-       ___-       ____-

三、2015 年 6 月 30 日余额(未经审计)            8,905     30,543
                                               ____      ____       ____468      7,914
                                                                                ____         21,449
                                                                                            ____         41,829
                                                                                                        ____        111,108
                                                                                                                    ____        ___690     111,798
                                                                                                                                           ____

                                                                          归属于母公司股东权益
                                                                      其他                                                       少数
                                      附注七    股本     资本公积   综合收益    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(重述前)                8,905    28,693         -        4,585      12,949       30,288     85,420       599       86,019
会计政策变更                                   ____-     ____
                                                           1,850    ____
                                                                     (1,850)    ____-       ____-       ____-       ____-       ___-       ____-
二、2014 年 1 月 1 日余额(已重述)              ____
                                                8,905    ____
                                                          30,543    ____
                                                                     (1,850)    ____
                                                                                 4,585      ____
                                                                                             12,949     ____
                                                                                                         30,288     ____
                                                                                                                     85,420     ___599     ____
                                                                                                                                            86,019

三、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      ____
                                                                                                                                             9933

(三)利润分配
1.提取盈余公积                          31         -          -          -        1,549          -        (1,549)        -             -        -
2.提取一般准备                          32         -          -          -           -        4,151       (4,151)        -             -        -
3.股利分配                              33     ____-     ____ -     ____ -      ____ -      ____ -      ____
                                                                                                          (3,874)   ____
                                                                                                                     (3,874)    ___    -   ____
                                                                                                                                            (3,874)

四、2014 年 6 月 30 日余额(未经审计)            8,905     3,0543      (607)      6,134       17,100      29,384      91,459
                                               ____      ____       ____        ____        ____        ____        ____        ___619      92,078
                                                                                                                                           ____
五、2014 年 7 月 1 日余额(未经审计)            ____
                                                8,905    ____
                                                          3,0543    ____
                                                                      (607)     ____
                                                                                 6,134      ____
                                                                                             17,100     ____
                                                                                                         29,384     ____
                                                                                                                     91,459     ___619     ____
                                                                                                                                            92,078

六、本期增减变动金额
(一)净利润                                         -          -          -           -           -         9,311      9,311        22        9,333
(二)其他综合收益                        43     ____-     ____-      ____688     ____-       ____-       ____-       ____688     ___-       ____688
上述(一)和(二)小计                             ____-     ____-      ____688     ____-       ____-       ____
                                                                                                         9,311      ____
                                                                                                                     9,999      ___22      ____
                                                                                                                                            10,021

(三)利润分配
1.提取盈余公积                          31         -          -          -           -           -           -          -              -       -
2.提取一般准备                          32         -          -          -           -           -           -          -              -       -
3.股利分配                              33     ____-     ____ -     ____ -      ____ -      ____ -      ____ -      ____-       ___    -   ____-

七、2014 年 12 月 31 日余额(经审计)              8,905    30,543         81       6,134      17,100       38,695    101,458       641      102,099
                                               ____      ____       ____        ____        ____        ____        ____        ___        ____




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
2015 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)

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

一、2015 年 1 月 1 日余额(经审计)                8,905
                                                ____     30,542
                                                         ____       ____81      6,134
                                                                               ____       17,100
                                                                                          ____        38,496
                                                                                                      ____         101,258
                                                                                                                  _____
二、本期增减变动金额
(一)净利润                                         -        -          -          -          -         9,044        9,044
(二)其他综合收益                         43     ____-    ____-        387
                                                                    ____       ____-      ____-       ____-           387
                                                                                                                  _____
上述(一)和(二)小计                              ____-    ____-        387
                                                                    ____       ____-      ____-        9,044
                                                                                                      ____          9,431
                                                                                                                  _____
(三)利润分配
1.提取盈余公积                           31        -        -          -        1,780         -        (1,780)        -
2.提取一般准备                           32        -        -          -           -       4,327       (4,327)        -
3.股利分配                               33     ____-    ____-      ____-      ____-      ____-       ____-       _____-
三、2015 年 6 月 30 日余额(未经审计)             8,905   30,542       468       7,914     21,427      41,433       110,689
                                                ____     ____       ____       ____       ____        ____        _____

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

一、2014 年 1 月 1 日余额(重述前)                8,905    28,692        -        4,585     12,949      30,275       85,406
会计政策变更                                    ____-     1,850
                                                         ____        (1,850)
                                                                    ____       ____-      ____-       ____-       _____-
二、2014 年 1 月 1 日余额(已重述)                8,905
                                                ____     30,542
                                                         ____        (1,850)
                                                                    ____        4,585
                                                                               ____       12,949
                                                                                          ____        30,275
                                                                                                      ____         85,406
                                                                                                                  _____
三、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                           31        -        -          -        1,549         -        (1,549)          -
2.提取一般准备                           32        -        -          -           -       4,151       (4,151)          -
3.股利分配                               33     ____-    ____-      ____-      ____-      ____-        (3,874)
                                                                                                      ____          (3,874)
                                                                                                                  _____
四、2014 年 6 月 30 日余额(未经审计)             8,905   30,542       (607)     6,134     17,100      29,285       91,359
                                                ____     ____       ____       ____       ____        ____        _____
五、2014 年 7 月 1 日余额(未经审计)              8,905
                                                ____     30,542
                                                         ____         (607)
                                                                    ____        6,134
                                                                               ____       17,100
                                                                                          ____        29,285
                                                                                                      ____         91,359
                                                                                                                  _____
六、本期增减变动金额
(一)净利润                                         -         -          -          -          -         9,211        9,211
(二)其他综合收益                         43     ____-    ____-        688
                                                                    ____       ____-      ____-       ____-          688
                                                                                                                  _____
上述(一)和(二)小计                              ____-    ____-        688
                                                                    ____       ____-      ____-        9,211
                                                                                                      ____          9,899
                                                                                                                  _____
(三)利润分配
1.提取盈余公积                           31        -        -          -          -          -           -            -
2.提取一般准备                           32        -        -          -          -          -           -            -
3.股利分配                               33     ____-    ____-      ____-      ____-      ____-       ____-       _____-
七、2014 年 12 月 31 日余额(经审计)              8,905   30,542
                                                ____     ____       ____81      6,134
                                                                               ____       17,100
                                                                                          ____        38,496
                                                                                                      ____         101,258
                                                                                                                  _____




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
2015 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 股 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。

       于 2015 年 6 月 30 日,本银行除总行本部外,在中国大陆境内设有 36 家一级分行,营业网
       点总数达 624 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
2015 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”)颁布的企业会计准则及相关规定(包
       括于 2014 年颁布的新的和修订的企业会计准则,以下简称“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 2014 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 2015 年 6 月 30 日的银行及合并财务状况以及 2015 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 2015 年 6
       月 30 日的银行及合并财务状况以及 2015 年 1 月 1 日至 6 月 30 日期间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 2014 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 2014 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 2014 年度财务报表一并阅读。


六、   企业合并及合并财务报表

       于 2015 年 6 月 30 日通过设立或投资等方式取得的子公司如下:

                                                    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
                                                  人民币百万元     (%)            (%)        人民币百万元

       北京大兴华夏村镇       2010 年     北京        125         80.00         80.00             27          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             19          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            627        金融租赁

       未纳入本集团合并范围的结构化主体情况参见附注十二、未纳入合并财务报表范围的结构
       化主体。

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

财务报表附注
2015 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
                                           2015 年      2014 年      2015 年      2014 年
                                          6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       库存现金                              3,410         3,786        3,402        3,778
       存放中央银行法定存款准备金   (1)    213,082       229,425      212,942      229,255
       存放中央银行超额存款准备金   (2)     59,175        58,069       59,120       58,012
       存放中央银行的其他款项       (3)        618
                                          _______            968
                                                        _______           618
                                                                     _______           968
                                                                                  _______
       合计                                276,285
                                          _______        292,248
                                                        _______       276,082
                                                                     _______       292,013
                                                                                  _______

       (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:

                                                                     2015 年      2014 年
                                                                    6 月 30 日   12 月 31 日

              人民币:
                本银行                                               16.50%       18.00%
                北京大兴华夏村镇银行有限责任公司                     11.50%       14.00%
                昆明呈贡华夏村镇银行股份有限公司                     10.50%       14.00%
                四川江油华夏村镇银行股份有限公司                     11.50%       13.00%
              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
2015 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
                                       2015 年      2014 年          2015 年      2014 年
                                      6 月 30 日  12 月 31 日       6 月 30 日  12 月 31 日

       存放境内同业                        33,540     57,561             33,529     57,463
       存放境外同业                         2,474      5,147              2,474      5,147
       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                      (21)
                                          ______         (37)
                                                      ______             (21)
                                                                      ______          (37)
                                                                                   ______
       存放同业款项账面价值                35,988
                                          ______       62,666
                                                      ______           35,977
                                                                      ______        62,568
                                                                                   ______



3.     拆出资金

                                                                  本集团及本银行
                                                            2015 年           2014 年
                                                           6 月 30 日       12 月 31 日

       拆放境内同业                                           27,611               16,511
       拆放境内其他金融机构                                      411                2,711
       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                                       27,908
                                                             ______                19,108
                                                                                  ______



4.     以公允价值计量且其变动计入当期损益的金融资产

       交易性金融资产:

                                                                  本集团及本银行
                                                            2015 年           2014 年
                                                           6 月 30 日       12 月 31 日

       公共实体及准政府债券                                        765                561
       金融机构债券                                                  2                203
       公司债券                                                  8,952
                                                                _____               8,302
                                                                                   _____
       合计                                                      9,719
                                                                _____               9,066
                                                                                   _____


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

财务报表附注
2015 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
                                                    2015 年 6 月 30 日
                                                                    公允价值
                                      合同/名义本金         资产               负债

       外汇远期                             21,361           110               107
       外汇掉期                            207,672           630               643
       利率互换                             10,050            14                15
       期权合约                                 91           ___-              ___-
       合计                                                  754
                                                             ___               765
                                                                               ___

                                                     本集团及本银行
                                                    2014 年 12 月 31 日
                                                                    公允价值
                                      合同/名义本金          资产              负债

       外汇远期                             15,449            79               117
       外汇掉期                            179,216           543               436
       利率互换                              3,050             3                 3
       期权合约                                121           ___-              ___-
       合计                                                  625
                                                             ___               556
                                                                               ___

       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。




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

财务报表附注
2015 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


6.     买入返售金融资产

                                                                    本集团及本银行
                                                              2015 年           2014 年
                                                             6 月 30 日       12 月 31 日

       债券                                                    50,756             25,299
       票据                                                   112,174
                                                             _______              97,837
                                                                                _______
       合计                                                   162,930
                                                             _______             123,136
                                                                                _______



7.     应收利息

                                                 本集团                    本银行
                                          2015 年      2014 年      2015 年      2014 年
                                         6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       发放贷款和垫款利息                  3,343        2,544           3,339      2,538
       应收款项类投资利息                  2,286        2,289           2,286      2,289
       持有至到期投资利息                  1,848        1,878           1,848      1,878
       可供出售金融资产利息                1,432        1,330           1,432      1,330
       买入返售金融资产利息                  587          491             587        491
       存拆放资金利息                        422          677             422        677
       以公允价值计量且其变动
         计入当期损益的金融资产利息          150
                                           _____          126
                                                        _____             150
                                                                        _____        126
                                                                                   _____
       合计                               10,068
                                           _____         9,335
                                                        _____       10,064
                                                                     _____          9,329
                                                                                   _____

       于 2015 年 6 月 30 日及 2014 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。




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

财务报表附注
2015 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

(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
                                                  2015 年      2014 年                   2015 年      2014 年
                                                 6 月 30 日  12 月 31 日                6 月 30 日  12 月 31 日

       对公贷款和垫款                              823,358           765,249              787,479           736,956
       其中:贷款                                  801,504           750,753              765,625           722,460
             进出口押汇                              7,203             6,113                7,203             6,113
             贴现                                   14,651
                                                 ________              8,383
                                                                    _______                14,651
                                                                                         _______              8,383
                                                                                                           _______
       个人贷款和垫款                              187,656           174,740              187,214           174,365
       其中:住房抵押                              111,701           108,953              111,699           108,950
             信用卡                                 42,138            33,589               42,138            33,589
             其他                                   33,817
                                                 ________             32,198
                                                                    _______                33,377
                                                                                         _______             31,826
                                                                                                           _______
       发放贷款和垫款总额                        1,011,014
                                                 ________            939,989
                                                                    _______               974,693
                                                                                         _______            911,321
                                                                                                           _______
       减:发放贷款和垫款损失准备                  (25,287)          (23,884)             (24,812)          (23,482)
           其中:个别方式评估                       (6,138)           (5,595)              (6,137)           (5,595)
                 组合方式评估                      (19,149)
                                                 ________            (18,289)
                                                                    _______               (18,675)
                                                                                         _______            (17,887)
                                                                                                           _______
       合计                                        985,727
                                                 ________            916,105
                                                                    _______               949,881
                                                                                         _______            887,839
                                                                                                           _______

(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

       2015 年 6 月 30 日
       发放贷款和垫款总额             997,346         1,615         12,053        13,668      1,011,014        1.35%
       发放贷款和垫款损失准备         (18,061)
                                     _____           (1,088)
                                                      ___           (6,138)
                                                                   ____            (7,226)
                                                                                  ____          (25,287)
                                                                                               _____
       发放贷款和垫款账面价值         979,285          527          5,915          6,442        985,727
                                     _____            ___          ____           ____         _____
       2014 年 12 月 31 日
       发放贷款和垫款总额             929,744         1,032          9,213        10,245        939,989        1.09%
       发放贷款和垫款损失准备         (17,546)
                                     _____             (743)
                                                      ___           (5,595)
                                                                   ____            (6,338)
                                                                                  ____          (23,884)
                                                                                               _____
       发放贷款和垫款账面价值         912,198          289          3,618          3,907        916,105
                                     _____            ___          ____           ____         _____




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

财务报表附注
2015 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: - 续

                                                                                    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

       2015 年 6 月 30 日
       发放贷款和垫款总额                       961,026           1,615          12,052             13,667          974,693        1.40%
       发放贷款和垫款损失准备                   (17,587)
                                               _____             (1,088)
                                                                  ___             (6,137)
                                                                                 ____                (7,225)
                                                                                                    ____            (24,812)
                                                                                                                   _____
       发放贷款和垫款账面价值                   943,439           527             5,915              6,442          949,881
                                               _____             ___             ____               ____           _____
       2014 年 12 月 31 日
       发放贷款和垫款总额                       901,076          1,032            9,213             10,245          911,321        1.12%
       发放贷款和垫款损失准备                   (17,144)
                                               _____              (743)
                                                                 ___              (5,595)
                                                                                 ____                (6,338)
                                                                                                    ____            (23,482)
                                                                                                                   _____
       发放贷款和垫款账面价值                   883,932           289             3,618              3,907          887,839
                                               _____             ___             ____               ____           _____

       (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。

(3)    发放贷款和垫款损失准备

                                                                                本集团
                                            2015 年 6 月 30 日                                 2014 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                 5,595           18,289             23,884                4,639               17,804          22,443
       本期/ 年计提                2,223              997              3,220                4,663                  562           5,225
       收回原转销贷款和垫款           30               -                  30                  172                   -              172
       因折现价值
         上升导致转出                (207)              (8)             (215)               (154)                 (13)            (167)
       本期/年核销                 (1,503)          (129)             (1,632)             (3,725)                 (72)          (3,797)
       本期/年转入                 ____-          _____-             _____-               ____-                _____8          _____8
       期/年末余额                  6,138          19,149             25,287               5,595                18,289          23,884
                                   ____           _____              _____                ____                 _____           _____




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

财务报表附注
2015 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 - 续

                                                                      本银行
                                      2015 年 6 月 30 日                            2014 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            5,595          17,887         23,482             4,639          17,683         22,322
       本期/年计提            2,222             925          3,147             4,663             289          4,952
       收回原转销贷款和垫款      30              -              30               172              -             172
       因折现价值
         上升导致转出           (207)           (8)           (215)              (154)          (13)           (167)
       本期/年核销            (1,503)
                              ____            (129)
                                            _____           (1,632)
                                                           _____               (3,725)
                                                                               ____             (72)
                                                                                             _____           (3,797)
                                                                                                            _____
       期/年末余额             6,137         18,675         24,812              5,595         17,887         23,482
                              ____          _____          _____               ____          _____          _____



9.     可供出售金融资产

                                                                                        本集团及本银行
                                                                                  2015 年           2014 年
                                                                                 6 月 30 日       12 月 31 日

       债务工具
         政府债券                                                                   9,230                   9,320
         公共实体及准政府债券                                                      38,133                  28,870
         公司债券                                                                  25,145                  25,176
       减:个别方式评估减值准备                                                      (196)
                                                                                  ______                  ______-
       小计                                                                        72,312                  63,366
       权益工具                                                (1)                     82
                                                                                  ______                       82
                                                                                                          ______
       合计                                                                        72,394
                                                                                  ______                   63,448
                                                                                                          ______
       其中:
         可供出售债务工具的摊余成本                                                71,885                  63,258
         累计计入其他综合收益的公允价值变动金额                                       623                     108
         累计计提减值金额                                                            (196)
                                                                                  ______                  ______-
       可供出售债务工具的公允价值                                                  72,312
                                                                                  ______                   63,366
                                                                                                          ______

       (1)     因本集团在可供出售金融资产核算的权益工具在活跃市场中没有报价且其公允价值
               不能可靠计量,按照成本计量。


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

财务报表附注
2015 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

10.    持有至到期投资

                                                  本集团及本银行
                                            2015 年           2014 年
                                           6 月 30 日       12 月 31 日

       政府债券                             112,805            95,179
       公共实体及准政府债券                  26,887            23,058
       金融机构债券                          13,114            11,796
       公司债券                               3,966             4,267
       同业存单                               1,927
                                           _______              1,977
                                                             _______
       合计                                 158,699
                                           _______            136,277
                                                             _______



11.    应收款项类投资

                                                  本集团及本银行
                                            2015 年           2014 年
                                           6 月 30 日       12 月 31 日

       政府债券                                 351               326
       金融机构债券                           2,650             2,900
       资产受益权                           153,205           198,970
       减:组合方式评估减值准备              (1,159)
                                           _______             (1,062)
                                                             _______
       合计                                 155,047
                                           _______            201,134
                                                             _______




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

财务报表附注
2015 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

12.    长期股权投资

                                                                                  本银行
                                                                      2015 年               2014 年
                                                                     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
                                                                                              _____
       合计                                                             2,630
                                                                      ______                   2,630
                                                                                              _____

       于 2015 年 6 月 30 日及 2014 年 12 月 31 日,本银行长期股权投资不存在减值情况。


13.    固定资产

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

       原值
       2015 年 1 月 1 日       6,765          5,495           131                1,509          13,900
       本期购置                  164            263             1                  858           1,286
       出售/处置              ____-             (57)
                                             ____              (1)
                                                             ___                ____-              (58)
                                                                                               _____
       2015 年 6 月 30 日      6,929
                              ____            5,701
                                             ____             131
                                                             ___                 2,367
                                                                                ____            15,128
                                                                                               _____
       累计折旧
       2015 年 1 月 1 日      (1,452)        (3,033)          (56)                -             (4,541)
       本期计提                  (93)          (395)           (6)                -               (494)
       出售/处置              ____-          ____48          ___1               ____-          _____49
       2015 年 6 月 30 日     (1,545)
                              ____           (3,380)
                                             ____             (61)
                                                             ___                ____-           (4,986)
                                                                                               _____
       减值准备
       2015 年 1 月 1 日      ____-          ____-           ___-               ____-          _____-
       2015 年 6 月 30 日     ____-          ____-           ___-               ____-          _____-
       净额
       2015 年 1 月 1 日       5,313          2,462
                              ____           ____            ___75               1,509
                                                                                ____             9,359
                                                                                               _____
       2015 年 6 月 30 日      5,384          2,321
                              ____           ____            ___70               2,367
                                                                                ____            10,142
                                                                                               _____


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

财务报表附注
2015 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

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

       原值
       2015 年 1 月 1 日      6,765          5,474           129      1,509      13,877
       本期购置                 164            262             1        858       1,285
       出售/处置             ____-             (56)
                                            ____              (1)
                                                            ___      ____-          (57)
                                                                                _____
       2015 年 6 月 30 日     6,929
                             ____            5,680
                                            ____             129
                                                            ___       2,367
                                                                     ____        15,105
                                                                                _____
       累计折旧
       2015 年 1 月 1 日     (1,452)        (3,022)          (56)      -         (4,530)
       本期计提                 (93)          (392)           (6)      -           (491)
       出售/处置             ____-          ____47          ___1     ____-      _____48
       2015 年 6 月 30 日    (1,545)
                             ____           (3,367)
                                            ____             (61)
                                                            ___      ____-       (4,973)
                                                                                _____
       减值准备
       2015 年 1 月 1 日     ____-          ____-           ___-     ____-      _____-
       2015 年 6 月 30 日    ____-          ____-           ___-     ____-      _____-
       净额
       2015 年 1 月 1 日      5,313          2,452
                             ____           ____            ___73     1,509
                                                                     ____         9,347
                                                                                _____
       2015 年 6 月 30 日     5,384          2,313
                             ____           ____            ___68     2,367
                                                                     ____        10,132
                                                                                _____

       于 2015 年 6 月 30 日,本集团有个别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。




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

财务报表附注
2015 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

14.    无形资产

                                                             本集团            本银行

       原值
       2015 年 1 月 1 日                                        97               96
       本期购置                                              _____-             ___-
       2015 年 6 月 30 日                                       97
                                                             _____               96
                                                                                ___
       累计摊销
       2015 年 1 月 1 日                                        (9)              (9)
       本期计提                                              _____(1)           ___(1)
       2015 年 6 月 30 日                                      (10)
                                                             _____              (10)
                                                                                ___
       无形资产账面净值合计
       2015 年 1 月 1 日                                        88
                                                             _____               87
                                                                                ___
       2015 年 6 月 30 日                                       87
                                                             _____               86
                                                                                ___
       剩余摊销年限(年)                                       8-36
                                                             _____               36
                                                                                ___

       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
                                       2015 年      2014 年        2015 年      2014 年
                                      6 月 30 日  12 月 31 日     6 月 30 日  12 月 31 日

       递延所得税资产                   4,638
                                       _____         4,419
                                                    _____              4,604
                                                                      _____      4,378
                                                                                _____




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

财务报表附注
2015 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
                                        2015 年 1 月 1 日                    2015 年 1 月 1 日
                                      至 6 月 30 日止期间     2014 年      至 6 月 30 日止期间     2014 年

       期初余额                              4,419             4,475              4,378             4,470
       计入当年损益                            347               588                354               552
       计入其他综合收益                       (128)
                                             ____               (644)
                                                               ____                (128)
                                                                                  ____               (644)
                                                                                                    ____
       期末余额                              4,638
                                             ____              4,419
                                                               ____               4,604
                                                                                  ____              4,378
                                                                                                    ____

(2)    递延所得税资产和负债

                                                                       本集团
                                              2015 年 6 月 30 日                  2014 年 12 月 31 日
                                        可抵扣/(应纳税)      递延所得税      可抵扣/(应纳税)      递延所得税
                                          暂时性差异         资产/(负债)       暂时性差异         资产/(负债)

       贷款损失准备                          10,461             2,615             10,038             2,510
       已计提尚未发放的工资                   7,330             1,832              6,590             1,647
       其他资产减值准备                       1,489               372              1,304               326
       可供出售金融资产公允价值变动            (623)             (155)              (108)              (27)
       以公允价值计量且其变动计入
         当期损益的金融资产及
         衍生金融工具公允价值变动              (113)             (28)               (148)             (37)
       其他                                  _____8            ____2              _____2            ____-
       小计                                  18,552
                                             _____             4,638
                                                               ____               17,678
                                                                                  _____             4,419
                                                                                                    ____

                                                                       本银行
                                              2015 年 6 月 30 日                  2014 年 12 月 31 日
                                        可抵扣/(应纳税)      递延所得税      可抵扣/(应纳税)      递延所得税
                                          暂时性差异         资产/(负债)       暂时性差异         资产/(负债)

       贷款损失准备                          10,349             2,587              9,924             2,481
       已计提尚未发放的工资                   7,305             1,826              6,538             1,635
       其他资产减值准备                       1,489               372              1,304               326
       可供出售金融资产公允价值变动            (623)             (155)              (108)              (27)
       以公允价值计量且其变动计入
         当期损益的金融资产及
         衍生金融工具公允价值变动              (113)             (28)               (148)              (37)
       其他                                  _____8            ____2              _____2             ____-
       小计                                  18,415
                                             _____             4,604
                                                               ____               17,512
                                                                                  _____              4,378
                                                                                                     ____


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

财务报表附注
2015 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
                                          2015 年      2014 年               2015 年      2014 年
                                         6 月 30 日  12 月 31 日            6 月 30 日  12 月 31 日

       应收及暂付款          (1)              2,708         2,232             2,646               2,191
       长期待摊费用                           1,154         1,275             1,115               1,255
       待清算款项                             2,436           662             2,390                 662
       待处理抵债资产        (2)                466           286               466                 286
       其他                                      82
                                             _____            159
                                                           _____             _____8              _____8
       合计                                   6,846
                                             _____          4,614
                                                           _____              6,625
                                                                             _____                4,402
                                                                                                 _____

(1)    应收及暂付款按账龄列示

                                                           本集团
       账龄                         2015 年 6 月 30 日                       2014 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         1,880    60.36      (32)     1,848      1,522     54.91       (31)       1,491
       1 年至 2 年(含)        152     4.88      (31)       121        173      6.24       (20)         153
       2 年至 3 年(含)        211     6.77      (20)       191        209      7.54       (18)         191
       3 年以上               872
                            ____     27.99
                                    _____      (324)
                                               ___         548
                                                         ____         868
                                                                    ____      31.31
                                                                             _____       (471)
                                                                                         ___           397
                                                                                                     ____
       合计                 3,115
                            ____    100.00
                                    _____      (407)
                                               ___       2,708
                                                         ____       2,772
                                                                    ____     100.00
                                                                             _____       (540)
                                                                                         ___         2,232
                                                                                                     ____
                                               ___                                       ___

                                                           本银行
       账龄                         2015 年 6 月 30 日                       2014 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         1,818    59.55      (32)     1,786      1,481     54.24       (31)       1,450
       1 年至 2 年(含)        152     4.98      (31)       121        173      6.33       (20)         153
       2 年至 3 年(含)        211     6.91      (20)       191        209      7.65       (18)         191
       3 年以上               872
                            ____     28.56
                                    _____      (324)
                                               ___         548
                                                         ____         868
                                                                    ____      31.78
                                                                             _____       (471)
                                                                                         ___           397
                                                                                                     ____
       合计                 3,053
                            ____    100.00
                                    _____      (407)
                                               ___       2,646
                                                         ____       2,731
                                                                    ____     100.00
                                                                             _____       (540)
                                                                                         ___         2,191
                                                                                                     ____
                                               ___                                       ___




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

财务报表附注
2015 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
                                                                       2015 年           2014 年
                                                                      6 月 30 日       12 月 31 日

       房产                                                             633                      335
       其他                                                              55                       55
       减:待处理抵债资产减值准备                                      (222)
                                                                       ____                     (104)
                                                                                                ____
       净额                                                             466
                                                                       ____                      286
                                                                                                ____



17.    资产减值准备

                                                            本集团
                                             2015 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           42       (15)         -            -              -        (1)          26
       拆出资金              114          -         -            -              -         -          114
       发放贷款和垫款     23,884     3,220       (215)         30          (1,632)        -       25,287
       可供出售金融资产        -       196          -            -              -         -          196
       应收款项类投资      1,062        97          -            -              -         -        1,159
       其他                  644
                          _____      ____(7)     ___-         ___-        _____(7)      __-          630
                                                                                                  _____
       合计               25,746
                          _____      3,491
                                     ____        (215)
                                                 ___          ___30        (1,639)
                                                                          _____         __(1)     27,412
                                                                                                  _____
                                                 ___

                                                            本集团
                                                           2014 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           47        (2)         -            -              -        (3)          42
       拆出资金              114          -         -            -              -         -          114
       发放贷款和垫款     22,443     5,225       (159)         172         (3,797)        -       23,884
       应收款项类投资          -     1,062          -            -              -         -        1,062
       其他                  720
                          _____      ____(9)      (43)
                                                 ___          ___-            (27)
                                                                          _____         __3          644
                                                                                                  _____
       合计               23,324
                          _____      6,276
                                     ____        (202)
                                                 ___           172
                                                              ___          (3,824)
                                                                          _____         __-       25,746
                                                                                                  _____
                                                 ___




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

财务报表附注
2015 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
                                              2015 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            42       (15)           -           -            -        (1)         26
       拆出资金               114          -           -           -            -         -         114
       发放贷款和垫款      23,482     3,147         (215)        30        (1,632)        -      24,812
       可供出售金融资产         -       196            -           -            -         -         196
       应收款项类投资       1,062        97            -           -            -         -       1,159
       其他                   644
                           _____      ____(7)       ___-        ___-      _____(7)      __-         630
                                                                                                 _____
       合计                25,344     3,418         (215)
                           _____      ____          ___         ___30      (1,639)
                                                                          _____         __(1)    26,937
                                                                                                 _____

                                                              本银行
                                                             2014 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            47        (2)           -           -            -        (3)         42
       拆出资金               114          -           -           -            -         -         114
       发放贷款和垫款      22,322     4,952         (167)        172       (3,797)        -      23,482
       应收款项类投资           -     1,062            -           -            -         -       1,062
       其他                   712
                           _____      ____(9)        (35)
                                                    ___         ___-          (27)
                                                                          _____         __3         644
                                                                                                 _____
       合计                23,195
                           _____      6,003
                                      ____          (202)
                                                    ___          172
                                                                ___        (3,824)
                                                                          _____         __-      25,344
                                                                                                 _____
                                                    ___


18.    向中央银行借款

                                                      本集团                        本银行
                                               2015 年      2014 年          2015 年      2014 年
                                              6 月 30 日  12 月 31 日       6 月 30 日  12 月 31 日

       中期借贷便利                             17,500         20,000         17,500             20,000
       其他                                         20
                                              _______              58
                                                             _______              -
                                                                            _______                  -
                                                                                                ______
       合计                                     17,520
                                              _______          20,058
                                                             _______          17,500
                                                                            _______              20,000
                                                                                                ______

       中期借贷便利是中国人民银行向商业银行和政策性银行采取质押方式发放的货币政策工
       具。本银行于 2015 年 6 月 30 日持有的该工具中,100 亿元期限为 6 个月,利率为 3.35%;
       75 亿元期限为 3 个月,利率为 3.5%。以本银行 195.60 亿元人民币的债券作质押。



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

财务报表附注
2015 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.    同业及其他金融机构存放款项

                                               本集团                    本银行
                                        2015 年      2014 年      2015 年      2014 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                 118,782      138,056      119,241      138,338
       境外同业存放款项                  14,155       19,837       14,155       19,837
       境内其他金融机构存放款项         127,749
                                       _______       126,447
                                                    _______       127,757
                                                                 _______       126,539
                                                                              _______
       合计                             260,686
                                       _______       284,340
                                                    _______       261,153
                                                                 _______       284,714
                                                                              _______



20.    拆入资金

                                               本集团                    本银行
                                        2015 年      2014 年      2015 年      2014 年
                                       6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       境内同业拆入                      54,070       34,884        27,254      14,510
       境外同业拆入                       6,438        7,254         6,438       7,254
       境内其他金融机构拆入                  -
                                        ______           500
                                                     ______             -
                                                                   ______          500
                                                                               ______
       合计                              60,508
                                        ______        42,638
                                                     ______         33,692
                                                                   ______       22,264
                                                                               ______



21.    卖出回购金融资产款

                                                                 本集团及本银行
                                                           2015 年           2014 年
                                                          6 月 30 日       12 月 31 日

       债券                                                  54,303           40,072
       票据                                                  21,871
                                                            ______               130
                                                                             ______
       合计                                                  76,174
                                                            ______            40,202
                                                                             ______

       本集团资产被用作卖出回购质押物的情况参见附注十、6. 担保物。




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

财务报表附注
2015 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.    吸收存款

                                              本集团                    本银行
                                       2015 年      2014 年      2015 年      2014 年
                                      6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       活期存款
         对公                          403,943     381,336       403,409     380,674
         个人                           83,129      91,585        83,055      91,480
       定期存款
         对公                          432,822      445,784       432,714     445,733
         个人                          146,025      133,008       145,618     132,718
       存入保证金             (1)      205,817      191,694       205,606     191,488
       结构性存款                       45,498       56,755        45,498      56,755
       汇出汇款及应解汇款                3,304        2,930         3,271       2,923
       其他                                 66
                                     ________           124
                                                  ________             66
                                                                ________          124
                                                                            ________
       合计                          1,320,604
                                     ________     1,303,216
                                                  ________      1,319,237
                                                                ________    1,301,895
                                                                            ________

(1)    存入保证金按项目列示如下:

                                              本集团                    本银行
                                       2015 年      2014 年      2015 年      2014 年
                                      6 月 30 日  12 月 31 日   6 月 30 日  12 月 31 日

       承兑汇票保证金                  162,529      151,690       162,381     151,548
       开出信用证保证金                 14,941       12,883        14,941      12,883
       开出保函及担保保证金              3,980        2,986         3,980       2,986
       其他保证金                       24,367
                                     ________        24,135
                                                  ________         24,304
                                                                ________       24,071
                                                                            ________
       合计                            205,817
                                     ________       191,694
                                                  ________        205,606
                                                                ________      191,488
                                                                            ________




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

财务报表附注
2015 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.    应付职工薪酬

                                                        本集团
                                                  2015 年 6 月 30 日
                                       期初数   本期增加      本期减少   期末数

       工资、奖金                       6,590      5,031      (4,291)     7,330
       职工福利费                          -         349        (344)         5
       社会保险费                          30        725        (719)        36
       住房公积金                          27        334        (333)        28
       工会经费及职工教育经费              84        207         (53)       238
       其他                            _____2        322
                                                 ______         (323)
                                                              _____      _____1
       合计                             6,733
                                       _____       6,968
                                                 ______       (6,063)
                                                              _____       7,638
                                                                         _____

                                                        本集团
                                                  2014 年 12 月 31 日
                                       年初数   本年增加      本年减少   年末数

       工资、奖金                       5,045      7,168      (5,623)     6,590
       职工福利费                          -         958        (958)        -
       社会保险费                          28      1,370      (1,368)        30
       住房公积金                          27        654        (654)        27
       工会经费及职工教育经费              76        262        (254)        84
       其他                            _____2        618
                                                 ______         (618)
                                                              _____      _____2
       合计                             5,178
                                       _____      11,030
                                                 ______       (9,475)
                                                              _____       6,733
                                                                         _____




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

财务报表附注
2015 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.    应付职工薪酬 - 续

                                                        本银行
                                                  2015 年 6 月 30 日
                                       期初数   本期增加      本期减少   期末数

       工资、奖金                       6,538      5,010      (4,243)     7,305
       职工福利费                          -         344        (339)          5
       社会保险费                          27        721        (714)        34
       住房公积金                          27        333        (332)        28
       工会经费及职工教育经费              80        206         (52)       234
       其他                                -
                                       _____         321
                                                 ______         (321)
                                                              _____          -
                                                                         _____
       合计                             6,672
                                       _____       6,935
                                                 ______       (6,001)
                                                              _____       7,606
                                                                         _____

                                                        本银行
                                                  2014 年 12 月 31 日
                                       年初数   本年增加      本年减少   年末数

       工资、奖金                       5,024      7,086      (5,572)     6,538
       职工福利费                          -         948        (948)        -
       社会保险费                          27      1,359      (1,359)        27
       住房公积金                          27        651        (651)        27
       工会经费及职工教育经费              75        259        (254)        80
       其他                            _____2        616
                                                 ______         (618)
                                                              _____          -
                                                                         _____
       合计                             5,155
                                       _____      10,919
                                                 ______       (9,402)
                                                              _____       6,672
                                                                         _____




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

财务报表附注
2015 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

24.    应交税费

                                              本集团                         本银行
                                       2015 年      2014 年           2015 年      2014 年
                                      6 月 30 日  12 月 31 日        6 月 30 日  12 月 31 日

       企业所得税                           2,619     2,722             2,566        2,675
       营业税金及附加                       1,090     1,266             1,087        1,264
       其他                                   161
                                           _____         89
                                                     _____                159
                                                                       _____            86
                                                                                    _____
       合计                                 3,870
                                           _____      4,077
                                                     _____              3,812
                                                                       _____         4,025
                                                                                    _____



25.    应付利息

                                              本集团                         本银行
                                       2015 年      2014 年           2015 年      2014 年
                                      6 月 30 日  12 月 31 日        6 月 30 日  12 月 31 日

       吸收存款利息                     13,261       13,538            13,210       13,520
       同业及其他金融机构存放利息        2,598        3,040             2,598        3,040
       应付债务凭证利息                    576          551               576          551
       拆入资金利息                        248          238                26           31
       向央行借款利息                       70          142                70          142
       卖出回购金融资产款利息               66
                                       ______            58
                                                    ______                 66
                                                                      ______            58
                                                                                   ______
       合计                             16,819
                                       ______        17,567
                                                    ______             16,546
                                                                      ______        17,342
                                                                                   ______



26.    预计负债

                                                                本集团及本银行
                                                          2015 年           2014 年
                                                         6 月 30 日       12 月 31 日

       未决诉讼                                               ___1                 ___2




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

财务报表附注
2015 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

27.    应付债务凭证

                                                                  本集团及本银行
                                                            2015 年           2014 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
       同业存单                            (3)              16,221               4,439
       离岸金融债券                        (4)               1,000               1,000
       二级资本债券                        (5)              10,000
                                                            ______             10,000
                                                                                _____
       合计                                                  31,221
                                                            ______             23,839
                                                                                _____

(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。




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

财务报表附注
2015 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

27.    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%。

       该债券已于 2015 年 3 月 2 日由发行人全部赎回。

(3)    同业存单

       本集团于 2015 年 6 月 30 日未偿付的同业存单 16 支,共计面值人民币 164.50 亿元,期限
       为 3 个月至 1 年,均采用贴现方式发行。

(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。

(5)    二级资本债券

       经中国银监会、中国人民银行批准,本银行于 2014 年 7 月 24 日至 25 日发行 2014 年华夏
       银行股份有限公司二级资本债券,发行规模为 100 亿元人民币。本期债券为 10 年期固定
       利率债券,第 5 年末附发行人赎回权,可以按面值全部或部分赎回本期债券。

       本期债券票面利率为固定利率 6.14%,每年付息一次,起息日为 2014 年 7 月 25 日,如果
       发行人不行使赎回权,本期债券的计息期限自 2014 年 7 月 25 日至 2024 年 7 月 25 日;如
       果发行人行使赎回权,则被赎回部分债券的计息期限自 2014 年 7 月 25 日至 2019 年 7 月
       25 日。




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

财务报表附注
2015 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.    其他负债

                                                 本集团                     本银行
                                          2015 年      2014 年       2015 年      2014 年
                                         6 月 30 日  12 月 31 日    6 月 30 日  12 月 31 日

       融资租赁业务押金                     3,515        2,900            -            -
       转贷款资金                           1,105        1,149         1,105        1,149
       递延收益                             1,205          976           232          196
       应付待结算及清算款项                 1,404          434         1,404          439
       其他                                 2,399
                                           _____           842
                                                        _____          2,395
                                                                      _____           834
                                                                                   _____
       合计                                 9,628
                                           _____         6,301
                                                        _____          5,136
                                                                      _____         2,618
                                                                                   _____



29.    股本

                                            2015 年 6 月 30 日       2014 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。

       于2015年6月30日及2014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。

       根据2015年5月12日股东大会批准的2014年度利润分配和资本公积转增股本方案,于2015
       年7月,本银行以2014年末本银行总股本8,904,643,509股为基数,向股权登记日(2015年7月
       7日)在册的全体股东,按照每10股转增2股,将资本公积转增股本,实施完成后本银行总股
       本变更为10,685,572,211股,增加1,780,928,702股。




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

财务报表附注
2015 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

30.    资本公积

                                                                   本集团
                                                    2015 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
       合计                            30,543
                                       _____           ____-               -
                                                                         ____          30,543
                                                                                       _____

                                                                本集团
                                                               2014 年度
                                           年初数     本年增加        本年减少          年末数

       资本溢价                        30,542            -                 -           30,542
       少数股东溢价投入                _____1          ____-               -
                                                                         ____          _____1
       合计                            30,543
                                       _____           ____-               -
                                                                         ____          30,543
                                                                                       _____

                                                                   本银行
                                                    2015 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
                                                                                       _____

                                                                本银行
                                                               2014 年度
                                           年初数     本年增加        本年减少          年末数

       资本溢价                        30,542
                                       _____           ____-               -
                                                                         ____          30,542
                                                                                       _____




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

财务报表附注
2015 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.    盈余公积

                                                                   本集团及本银行
                                                             2015 年           2014 年
                                                            6 月 30 日       12 月 31 日

       法定盈余公积                                               7,803            6,023
       任意盈余公积                                                 111
                                                                 _____               111
                                                                                  _____
       合计                                                       7,914
                                                                 _____             6,134
                                                                                  _____

       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。

       于 2015 年 6 月 30 日,本银行累计提取的法定盈余公积已超过股本的 50%,超过 50%部分
       的法定盈余公积提取需经股东大会批准。盈余公积提取情况请参见附注七、33. 未分配利
       润。


32.    一般准备

                                                 本集团                      本银行
                                          2015 年      2014 年        2015 年      2014 年
                                         6 月 30 日  12 月 31 日     6 月 30 日  12 月 31 日

       一般准备                            21,449
                                          ______        17,100
                                                       ______           21,427
                                                                       ______       17,100
                                                                                   ______

       (1) 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。

       (2) 本银行一般准备提取情况请参见附注七、33. 未分配利润。

       (3) 按中国境内有关监管规定,本银行部分子公司须从净利润中提取一定金额作为一般风
           险准备。提取该一般风险准备作为利润分配处理。




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

财务报表附注
2015 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.    未分配利润

(1)    于本期间,本银行未宣告派发或建议派发 2015 年 1 月 1 日至 6 月 30 日止期间股息。

(2)    2014 年度利润分配

       根据 2015 年 5 月 12 日股东大会批准的本银行 2014 年度利润分配和资本公积转增股本方
       案,本银行的实施情况如下:

       (i)     以本银行 2014 年度净利润 177.95 亿元人民币为基数,提取法定盈余公积金 17.80 亿
               元人民币。该等法定盈余公积已计入 2015 年 6 月 30 日银行及合并资产负债表。

       (ii)    提取一般准备 43.27 亿元人民币,提取后本银行一般准备余额达到 2014 年 12 月 31
               日风险资产余额的 1.5%。该一般准备已计入 2015 年 6 月 30 日银行及合并资产负债
               表。

       (iii)   以 2014 年末本银行总股本 8,904,643,509 股为基数,向全体股东派发股息,每 10 股
               派 4.35 元人民币(含税),共计 38.74 亿元人民币。

       (iv)    以 2014 年末本银行总股本 8,904,643,509 股为基数,按照每 10 股转增 2 股的比例,
               将资本公积转增股本,增加注册资本人民币 1,780,928,702 元。变更后总股本为
               10,685,572,211 股,计人民币 10,685,572,211 元。

               上述股利分配及资本公积转增股本方案计划于除权除息日进行账务处理。




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

财务报表附注
2015 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.    利息净收入

                                                 1 月 1 日至 6 月 30 日止期间
                                               本集团                     本银行
                                        2015 年      2014 年       2015 年      2014 年

       利息收入
         发放贷款和垫款                    30,332     28,019       29,389       27,438
         其中:对公贷款和垫款              25,269     23,422       24,343       22,855
               个人贷款和垫款               4,914      4,419        4,897        4,406
               票据贴现                       149        178          149          177
         应收款项类投资                     5,691      7,733        5,691        7,733
         持有至到期投资                     3,016      2,357        3,016        2,357
         买入返售金融资产                   2,437      3,133        2,437        3,133
         存放中央银行款项                   1,879      1,846        1,878        1,845
         可供出售金融资产                   1,620      1,493        1,620        1,493
         存放同业款项                       1,090        735        1,133          736
         拆出资金                             332        386          367          406
         以公允价值计量且其变动
           计入当期损益的金融资产          236
                                        ______          204
                                                     ______          236
                                                                  ______           204
                                                                                ______
       小计                              46,633
                                        ______        45,906
                                                     ______        45,767
                                                                  ______         45,345
                                                                                ______
       利息支出
         吸收存款                       (15,038)     (13,067)     (15,027)     (13,058)
         同业及其他金融机构存放款项      (6,044)      (8,882)      (6,108)      (8,924)
         拆入资金                          (789)        (903)        (182)        (509)
         卖出回购金融资产款                (555)        (787)        (555)        (787)
         应付债务凭证                      (617)        (210)        (617)        (210)
         其他                              (349)
                                        ______       ______(1)       (349)
                                                                  ______            -
                                                                               ______
       小计                             (23,392)
                                        ______       (23,850)
                                                     ______       (22,838)
                                                                  ______       (23,488)
                                                                               ______
       利息净收入                        23,241
                                        ______        22,056
                                                     ______        22,929
                                                                  ______         21,857
                                                                                ______
       其中:
       已识别的减值金融资产的利息收入      221
                                        ______           69
                                                     ______          221
                                                                  ______            69
                                                                                ______




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

财务报表附注
2015 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

35.    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
                                        2015 年      2014 年       2015 年      2014 年

       手续费及佣金收入

        理财业务                            1,986       873             1,986        873
        银行卡业务                          1,369       747             1,369        747
        代理业务                              877       973               877        973
        信用承诺                              890       646               890        646
        托管及其他受托业务                    469       523               469        523
        租赁业务                              170       135                -          -
        结算与清算业务                         19        20                19         20
        顾问和咨询业务                          6        28                  6        28
        其他业务                               63
                                           _____         96
                                                      _____                63
                                                                       _____          96
                                                                                   _____
       小计                                 5,849
                                           _____       4,041
                                                      _____             5,679
                                                                       _____        3,906
                                                                                   _____
       手续费及佣金支出
         手续费支出                         (514)
                                  &