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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:2016年半年度报告摘要

公告日期:2016-08-11

                              华夏银行股份有限公司 2016 年半年度报告摘要

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

                      1.2 公司简介
                普通股 A 股股票简称               华夏银行          普通股 A 股股票代码             600015
                  优先股股票简称                  华夏优 1             优先股股票代码               360020
           股票上市交易所                上海证券交易所
           联系人和联系方式              董事会秘书                               证券事务代表
           姓    名                      赵军学                                   张太旗
           电    话                      010-85238570,85239938                   010-85238570,85239938
           传    真                      010-85239605                             010-85239605
           电子信箱                      zhdb@hxb.com.cn                          zhdb@hxb.com.cn

                      §2 主要财务数据和股东变化
                      2.1 主要财务数据
                                                                                                 (单位:人民币百万元)
                                                                                    本报告期末比上年
                                     2016 年 6 月 30 日     2015 年 12 月 31 日                            2014 年 12 月 31 日
                                                                                      末增减(%)
资产总额                                      2,250,545              2,020,604                    11.38              1,851,628
归属于上市公司股东的净资产                        143,346              117,678                    21.81                101,458
归属于上市公司普通股股东的
                                                    11.54                11.01                      4.81                   9.49
每股净资产(元/股)
                                                                                    本报告期比上年同
                                      2016 年 1-6 月          2015 年 1-6 月                                  2014 年 1-6 月
                                                                                      期增减(%)
营业收入                                           31,205               28,328                    10.16                 26,377
营业利润                                           13,128               12,386                      5.99                11,501
利润总额                                           13,169               12,416                      6.06                11,600
归属于上市公司股东的净利润                          9,826                9,263                      6.08                 8,670
归属于上市公司股东的扣除非
                                                    9,796                9,243                      5.98                 8,599
经常性损益的净利润
基本每股收益(元/股)                                  0.92                 0.87                      5.75                   0.81
扣除非经常性损益后的基本每
                                                     0.92                 0.86                      6.98                   0.80
股收益(元/股)
稀释每股收益(元/股)                                  0.92                 0.87                      5.75                   0.81
加权平均净资产收益率(%)                            8.02                 8.72      下降 0.70 个百分点                     9.66
扣除非经常性损益后的加权平
                                                     8.00                 8.70      下降 0.70 个百分点                     9.58
均净资产收益率(%)
经营活动产生的现金流量净额                         73,905                -4,751                  不适用                -98,326
每股经营活动产生的现金流量
                                                     6.92                 -0.44                  不适用                   -9.20
净额(元/股)

                                                                1
                     2.2 截止报告期末普通股股东数量和前 10 名股东持股情况表
                                                                                           (单位:股)
             截至报告期末普通股股东总数(户)                                              119,541
                                                  前 10 名股东持股情况
                                                                                       持有有          质押或冻结的
                                                               持股
                                                  报告期内                             限售条            股份数量
          股东名称                   股东性质                  比例      持股总数
                                                    增减                               件股份        股份
                                                               (%)                                               数量
                                                                                         数量        状态
首钢总公司                           国有法人             0    20.28   2,166,607,843          0       无
国网英大国际控股集团有限公司         国有法人             0    18.24   1,948,793,952          0       无
DEUTSCHE               BANK
LUXEMBOURG S.A.                      境外法人             0     9.28     991,671,286          0       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     877,302,599          0       无
德意志银行股份有限公司
云南合和(集团)股份有限公司           国有法人             0     4.37     467,376,000          0       无
中国证券金融股份有限公司             国有法人     70,456,172    3.62     387,159,647          0       无
SAL.OPPENHEIM JR.& CIE. AG
& CO.
KOMMANDITGESELLSCHAFT
                                     境外法人             0     2.50     267,072,000          0       无
AUF AKTIEN
萨尔奥彭海姆股份有限合伙企
业(普通合伙人为股份公司)
润华集团股份有限公司             境内非国有法人           0     2.13     227,760,000          0      质押    221,239,454
上海健特生命科技有限公司         境内非国有法人           0     1.31     139,726,583          0      质押    133,000,000
中央汇金资产管理有限责任公司         国有法人             0   1.30    139,097,300             0       无
                                            前 10 名无限售条件股东持股情况
                          股东名称                             持有无限售条件股份数量                 股份种类
首钢总公司                                                                 2,166,607,843             人民币普通股
国网英大国际控股集团有限公司                                               1,948,793,952             人民币普通股
DEUTSCHE BANK LUXEMBOURG S.A.
                                                                             991,671,286             人民币普通股
德意志银行卢森堡股份有限公司
DEUTSCHE BANK AKTIENGESELLSCHAFT
                                                                             877,302,599             人民币普通股
德意志银行股份有限公司
云南合和(集团)股份有限公司                                                   467,376,000             人民币普通股
中国证券金融股份有限公司                                                     387,159,647             人民币普通股
SAL.OPPENHEIM JR.& CIE. AG & CO.
KOMMANDITGESELLSCHAFT AUF AKTIEN                                             267,072,000             人民币普通股
萨尔奥彭海姆股份有限合伙企业(普通合伙人为股份公司)
润华集团股份有限公司                                                         227,760,000             人民币普通股
上海健特生命科技有限公司                                                     139,726,583             人民币普通股
中央汇金资产管理有限责任公司                                                 139,097,300             人民币普通股


                                                          2
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(普通合伙人为股份公司)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、德意志银行股份有限公司、德意志银行卢森堡股份有限公司、萨尔奥彭海姆股份
            有限合伙企业(普通合伙人为股份公司)于 2015 年 12 月 28 日与中国人民财产保险股份有
            限公司签署了《股份转让协议》,德意志银行股份有限公司、德意志银行卢森堡股份有限公
            司、萨尔奥彭海姆股份有限合伙企业(普通合伙人为股份公司)以协议方式转让其持有的
            本公司合计 2,136,045,885 股 A 股普通股股份,约占本公司已发行总股份的 19.99%。本次交
            易尚待依法履行监管审批程序。
                 2、经中国烟草总公司批复同意,红塔烟草(集团)有限责任公司将其持有本公司的
            467,376,000 股股份划转给云南合和(集团)股份有限公司。相关股份的过户登记手续已于 2016
            年 6 月 14 日完成。

                2.3 控股股东或实际控制人变更情况

                 □适用    √不适用


                2.4 截止报告期末优先股股东数量和前 10 名股东持股情况表
                                                                                    (单位:股)
           截至报告期末优先股股东总数(户)                                 15
                                            前 10 名股东持股情况
                                         期末        报告期内      占比    股东   质押或
                股东名称                                                                     股份类别
                                       持股数量      增减数量      (%)   性质   冻结数量
       中国平安人寿保险股份有限公
                                        39,100,000   39,100,000    19.55   其他     无        优先股
       司-分红-个险分红
       中国平安人寿保险股份有限公
                                        39,100,000   39,100,000    19.55   其他     无        优先股
       司-万能-个险万能
       中国平安财产保险股份有限公
                                        39,100,000   39,100,000    19.55   其他     无        优先股
       司-传统-普通保险产品
       创金合信基金管理有限公司         19,500,000   19,500,000     9.75   其他     无        优先股
       交银施罗德资产管理有限公司       11,200,000   11,200,000     5.60   其他     无        优先股
       交银施罗德基金管理有限公司        8,600,000    8,600,000     4.30   其他     无        优先股
       中加基金管理有限公司              8,400,000    8,400,000     4.20   其他     无        优先股
       华润深国投信托有限公司-投
                                         7,300,000    7,300,000     3.65   其他     无        优先股
       资 1 号单一资金信托
       博时基金管理有限公司              5,600,000    5,600,000     2.80   其他     无        优先股
       中信银行股份有限公司              5,600,000    5,600,000     2.80   其他     无        优先股
       前十名优先股股东之间,上述     中国平安人寿保险股份有限公司-分红-个险分红、中国平安人寿保
       股东与前十名普通股股东之间     险股份有限公司-万能-个险万能和中国平安财产保险股份有限公司
       存在关联关系或属于一致行动     -传统-普通保险产品为一致行动人。交银施罗德资产管理有限公司
       人的说明                       和交银施罗德基金管理有限公司存在关联关系。

                                                     3
    §3 管理层讨论与分析
    3.1 总体经营状况分析
    报告期内,本公司认真贯彻落实发展规划要求,紧紧围绕年初确定的经营发展目标,加
快转变发展方式,不断深化改革创新,提高经营管理水平。主动适应经济发展新常态,积极
“求变、求动、求实”,各项经营措施全面展开、扎实推进,取得积极成效。
    业务规模增速加快
    报告期末,本集团总资产规模达到 22,505 亿元,比年初增加 2,299 亿元,增长 11.38%,
比去年同期快 7.84 个百分点;贷款总额 11,642 亿元,比年初增加 950 亿元,增长 8.89%;
存款总额 13,818 亿元,比年初增加 301 亿元,增长 2.23%。
    经营效益稳中有升
    报告期内,归属于上市公司股东的净利润 98.26 亿元,同比增加 5.63 亿元,增长 6.08%;
实现营业收入 312.05 亿元,同比增长 10.16%,比去年同期快 2.76 个百分点;实现中间业
务收入 74.64 亿元,同比增加 15.53 亿元,增长 26.27%,推动收入稳步增长;资产收益率、
净资产收益率分别为 0.46%、8.02%。
    结构调整取得成效
    一是贷款结构进一步优化。积极稳妥推进资产证券化,信贷资产周转效率提升;小微企
业贷款继续实现“三个不低于”要求,个人贷款占比提升。二是存款结构进一步优化,带动
存款付息率下降。三是主动拓宽融资渠道。成功发行金融债、优先股,增强资金统筹调度管
理能力。四是收入结构进一步优化。资产管理、金融市场和信用卡等业务继续保持良好发展
势头,带动中间业务收入较快增长,中收占比同比提高 3.05 个百分点;推行降本增效,深
化费用管理,成本收入比 34.87%,同比下降 1.73 个百分点。
    产品创新贴近市场
    一是开办 ETC 业务分行达到 15 家,ETC 签约客户突破 100 万户,比年初增长 14.8%。二
是小微业务积极开展产品创新,已有 12 家分行开展 21 项区域性创新产品的试点推广。三是
产品研发中心推出并购金融、余额理财等产品。四是理财产品多样化、同业投资产品组合配
置,对客户需求和市场变化反应能力有所提升。
    服务渠道加快推进
    一是加快推进“第二银行”建设。与蚂蚁金融服务集团、深圳前海微众银行股份有限公
司合作的芝麻信用应用、微联合贷款等项目取得进展。二是稳步推进机构网点建设。积极推
进哈尔滨、贵阳分行筹建工作,广东自贸试验区南沙分行、福建自贸试验区福州片区分行正
式营业,上半年末营业网点总数达到 836 家。三是服务京津冀协同发展进一步深化。与世界
银行签署“京津冀大气污染防治融资创新”转贷款项目协议,京津冀协同卡累计发行 74 万
张,比年初增加 23 万张。
    风险管控不断加强
    一是风险管理机制有效运行,全面风险统筹管理加强。二是强化信用风险管理。开展对
重点行业、领域和地区的风险排查,持续强化授信实施环节的风险管理。三是建立授信业务
运行的监测、分析、调控、评价工作机制,积极推进贷后管理中心建设。四是加大问题贷款
清收化解力度。
    小微企业业务稳健发展
    报告期末,本公司小微企业客户接近 33 万户,其中贷款客户超过 2.69 万户,小微企业
贷款余额 2,580.30 亿元,小微企业申贷获得率超过 91%,完成“三个不低于”监管目标。
报告期内,本公司已有 36 家一级分行、 22 家二级分行成立小微企业金融部,开办小微企
业业务的客户经理接近 3,000 人。本公司深入推进完善营销机制建设,力争构建起“客户、
客户经理、业务条线”于一体的共赢生态体系,通过分层营销、互动协作,实现与客户共同

                                         4
       成长。
           围绕小企业客群的产业特征、商业模式和资金周转规律,实施“定制化、标准化、批量
       化”的授信流程,有效提升客户体验度;积极响应国家产业政策,加大对科技金融、现代服
       务业、三农等新兴领域信贷支持力度。
           聚焦“互联网+”开展小微企业产品创新,基于海量数据分析推出 “电商贷”,满足电
       商产业 “短、小、频、急”的资金需求;对接税务系统,为优质纳税小微企业提供融资服
       务;报告期末,在同业中首推的“年审制”贷款余额接近 180 亿元。
           依托自主研发的支付融资系统加快建设小微平台,探索“客户开发集群化、客户识别系
       统化、营销服务平台化、产品销售线上化”的“互联网+小微企业”综合金融服务模式。报
       告期末,线上融资项目 414 个,贷款客户接近 3,400 户;践行普惠金融,快速打造“华夏云
       缴费”,报告期末,累计缴费接近 24 万笔。
           中间业务保持良好发展
           报告期内,本公司实现中间业务收入 74.64 亿元,同比增加 15.53 亿元,增长 26.27%。
       国际业务整体保持了较快增长势头,国际业务中间业务收入实现同比增长 26.75%,同时不
       断深化重点产品营销,打造贸易金融优势服务,上半年国内信用证业务量超过 500 亿元,同
       比增长 23.62%,有力支持了实体经济发展。发挥香港代表处窗口作用,内引外联,积极拓
       展代理行网络,上半年新增代理行 40 家,总数达到 1,562 家。资产托管业务规模达到
       16,109.54 亿元,较年初增长 3,044.29 亿元,增幅为 23.30%。理财相关业务手续费收入 25.76
       亿元,到期理财产品全部按期兑付。

           3.2 主营业务分析
           3.2.1 主要财务指标增减变动幅度及其原因
                                                                                    (单位:人民币百万元)
       主要财务指标           2016 年 6 月 30 日      较上年末增减(%)                   主要原因
资产总额                              2,250,545                      11.38    贷款等资产业务增长
负债总额                              2,106,438                     10.74     存款等负债业务增长
归属于上市公司股东的净资产              143,346                     21.81     净利润增加,发行优先股
                                                          较上年同期增减
       主要财务指标            2016 年 1-6 月                                             主要原因
                                                              (%)
营业收入                                 31,205                     10.16     业务规模增长、收入增加
营业利润                                 13,128                       5.99    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                9,826                       6.08
                                                                              股东的净利润增加
现金及现金等价物净增加额                 -1,392                    -110.24    现金及现金等价物净减少


           3.2.2 会计报表中变动幅度超过 30%以上的项目的情况
                                                                                     (单位:人民币百万元)
       主要会计项目            2016 年 6 月 30 日         较上年末增减(%)                主要原因
拆出资金                                   18,178                      -41.31      拆放同业减少
衍生金融资产                                    553                    189.53      衍生金融资产增加
应收款项类投资                            173,219                      123.62      应收款项类投资增加
向中央银行借款                             56,039                          86.63   中期借贷便利增加
拆入资金                                   99,931                          55.80   拆入资金增加
衍生金融负债                                    541                    220.12      衍生金融负债增加

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应付债务凭证                               238,182                         256.06    发行金融债及同业存单
其他负债                                    33,308                         201.62    其他负债增加
其他权益工具                                19,978                       不适用      发行优先股
          主要会计项目            2016 年 1-6 月           较上年同期增减(%)                    主要原因
投资收益                                        335                      不适用      投资收益增加
公允价值变动收益/(损失)                         -133                     不适用      公允价值变动
汇兑收益                                         -45                     -381.25     汇兑收益减少
其他业务收入                                     12                        -73.91    其他业务收入减少
资产减值损失                                 5,670                          62.42    贷款损失准备计提增加



             3.2.3 利润表主要项目分析
             (1)利息收入
                                                                                    (单位:人民币百万元)
                                            2016 年 1-6 月                          2015 年 1-6 月
                项目
                                        金额          占比(%)                 金额          占比(%)
    对公贷款和垫款                        24,779            57.28                 25,269            54.19
    个人贷款和垫款                          4,727                10.93                4,914              10.54
    票据贴现                                 200                  0.46                     149               0.32
    持有至到期投资                          3,965                 9.17                3,016                  6.47
    应收款项类投资                          2,598                 6.01                5,691              12.20
    买入返售金融资产                        2,235                 5.17                2,437                  5.23
    存放中央银行款项                        1,663                 3.84                1,879                  4.03
    可供出售金融资产                        1,458                 3.37                1,620                  3.47
    存放同业款项                             943                  2.18                1,090                  2.34
    拆出资金                                 486                  1.12                     332               0.71
    以公允价值计量且其变动
                                             206                  0.47                     236               0.50
    计入当期损益的金融资产
    合计                                   43,260               100.00               46,633             100.00

             (2)利息支出
                                                                                      (单位:人民币百万元)
                                             2016 年 1-6 月                            2015 年 1-6 月
                 项目
                                         金额               占比(%)               金额            占比(%)
   吸收存款                                 11,852                 61.89              15,038                 64.29
   同业及其他金融机构存放款
                                             2,772                 14.47               6,044                 25.84
   项
   应付债务凭证                              2,208                 11.53                    617               2.64
   拆入资金                                     890                 4.65                    789               3.37
   卖出回购金融资产款                           672                 3.51                    555               2.37
   其他                                         756                 3.95                    349               1.49
   合计                                     19,150                100.00              23,392             100.00



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          (3)手续费及佣金收入
                                                                                       (单位:人民币百万元)
                                         2016 年 1-6 月                            2015 年 1-6 月
                项目
                                      金额               占比(%)              金额            占比(%)
理财业务                                 2,576                  34.36              1,986                   33.95
银行卡业务                               2,138                  28.52              1,369                   23.41
代理业务                                 1,039                  13.86                   877                14.99
信用承诺                                      802               10.70                   890                15.22
托管及其他受托业务                            393                5.24                   469                 8.02
租赁业务                                      255                3.40                   170                 2.91
结算与清算业务                                 17                0.23                    19                 0.32
顾问和咨询业务                                  4                0.05                     6                 0.10
其他业务                                      273                3.64                    63                 1.08
合计                                     7,497                 100.00              5,849                  100.00


          (4)业务及管理费
                                                                                   (单位:人民币百万元)
                                         2016 年 1-6 月                            2015 年 1-6 月
                项目
                                      金额               占比(%)              金额            占比(%)
职工薪酬及福利                               7,412              68.12                  6,968               67.21
业务费用                                     2,020              18.56                  1,980               19.10
折旧和摊销                                   1,449              13.32                  1,420               13.69
合   计                                  10,881                100.00              10,368               100.00


          (5)所得税费用
                                                                      (单位:人民币百万元)
                            项   目                            2016 年 1-6 月   2015 年 1-6 月
         税前利润总额                                                   13,169           12,416
         按法定税率 25%计算的所得税                                       3,292                  3,104
         加:不可抵扣费用的纳税影响                                         640                     392
         减:免税收入的纳税影响                                             640                     392
         合计                                                             3,292                  3,104


          3.2.4 资产和负债情况分析
          (1)贷款投放情况
          按行业划分的贷款投放情况
                                                                            (单位:人民币百万元)
                                                      2016 年 6 月末                           年初
行业分布
                                               账面余额         比例(%)          账面余额           比例(%)
制造业                                               218,615            18.78             213,414          19.96
批发和零售业                                         155,124            13.32             147,267          13.77


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租赁和商务服务业                                127,931            10.99         110,083         10.30
房地产业                                           91,515           7.86          78,867          7.38
建筑业                                             85,330           7.33          84,291          7.88
水利、环境和公共设施管理业                         59,796           5.14          42,344          3.96
交通运输、仓储和邮政业                             50,859           4.37          50,704          4.74
采矿业                                             33,183           2.85          31,930          2.99
电力、热力、燃气及水生产和供应业                   29,901           2.57          25,366          2.37
其他对公行业                                       57,895           4.97          52,523          4.92
票据贴现                                           32,071           2.75          31,478          2.94
个人贷款                                        222,028            19.07         200,905         18.79
合计                                          1,164,248           100.00        1,069,172       100.00
       报告期内,本集团认真贯彻国家宏观调控政策、监管政策要求,积极引导信贷资源优
   先支持经济增长受惠领域,强化重点领域和行业的风险管理,严控重点业务领域风险及信贷
   需求,推动行业信贷结构的均衡增长和健康发展。


          按地区划分的贷款投放情况
                                                                       (单位:人民币百万元)
                                    2016 年 6 月末                           年初
          地区分布
                          账面余额           比例(%)            账面余额          比例(%)
   华北及东北                   429,094                  36.86        391,413                36.61
   华东                         323,620                  27.80        300,165                28.07
   华南及华中                   248,597                  21.35        225,674                21.11
   西部                         162,937                  13.99        151,920                14.21
   合计                        1,164,248                100.00      1,069,172               100.00


          前十名客户贷款情况
                                                                       (单位:人民币百万元)
                                               余额                    占比(%)
            前十名贷款客户                               31,332                      2.81
       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 313.32 亿元,
   占期末贷款总额的 2.81%,占资本净额的 18.97%,控制在监管要求之内。

          贷款担保方式分类及占比
                                                                       (单位:人民币百万元)
                                  2016 年 6 月末                             年初
                         账面余额           占比(%)             账面余额          占比(%)
   信用贷款                     172,464                 14.81        152,988                 14.31
   保证贷款                     423,846                 36.41        374,272                 35.00
   附担保物贷款                 567,938                 48.78        541,912                 50.69
   — 抵押贷款                  429,128                 36.86        405,643                 37.94
   — 质押贷款                  138,810                 11.92        136,269                 12.75
            合计               1,164,248               100.00       1,069,172               100.00
         报告期内,本集团持续优化贷款担保结构,重视增加抵质押品等对贷款的风险缓释,抵质押贷

                                                   8
    款占比继续保持在较高水平。

           (2)主要贷款及利率情况
           按业务类别划分
                                                                                  (单位:人民币百万元)
            项目                平均余额                         利息                 平均利率(%)
  企业贷款                                  881,506                      24,979                       5.67
  零售贷款                                  204,381                       4,727                       4.63
  合计                                  1,085,887                        29,706                       5.47


           按业务期限划分
                                                                                  (单位:人民币百万元)
            项目                平均余额                         利息                 平均利率(%)
  一年以内短期贷款                          492,703                      12,735                       5.17
  中长期贷款                                593,184                      16,971                       5.72
  合计                                  1,085,887                        29,706                       5.47
           注:一年以内短期贷款包括贴现。

           (3)买入返售金融资产
                                                                         (单位:人民币百万元)
                                      2016 年 6 月 30 日                   2015 年 12 月 31 日
                项目
                                     余额                 占比(%)        余额         占比(%)
         债券                           156,610                81.69        145,885           59.47
         票据                               35,112             18.31         99,412           40.53
         合计                           191,722               100.00        245,297          100.00


           (4)主要存款及利率情况
                                                                                  (单位:人民币百万元)
            类别                平均余额                         利息                 平均利率(%)
  企业活期存款                              419,444                       1,769                       0.84
  企业定期存款                              671,069                       7,742                       2.31
  储蓄活期存款                               91,826                         127                       0.28
  储蓄定期存款                              147,244                       2,214                       3.01
  合计                                  1,329,583                        11,852                       1.78


           3.3 按照业务或地区经营情况分析
           3.3.1 业务收入变动情况
                                                                                      (单位:人民币百万元)
                                                                                             较上年同期
            业务种类               2016 年 1-6 月           占比(%)     2015 年 1-6 月
                                                                                             增减(%)
发放贷款和垫款利息收入                          29,706           58.33            30,332               -2.06
持有至到期投资利息收入                           3,965            7.79             3,016               31.47
应收款项类投资利息收入                           2,598            5.10             5,691              -54.35


                                                      9
买入返售金融资产利息收入                    2,235         4.39         2,437            -8.29
存放中央银行款项利息收入                    1,663         3.27         1,879          -11.50
可供出售金融资产利息收入                    1,458         2.86         1,620          -10.00
存放同业款项利息收入                         943          1.85         1,090          -13.49
拆出资金利息收入                             486          0.95            332           46.39
以公允价值计量且其变动计入
                                             206          0.41            236         -12.71
当期损益的金融资产利息收入
手续费收入                                  7,497        14.72         5,849            28.18
其他业务                                     169          0.33          -248          168.15
合计                                       50,926       100.00        52,234            -2.50


           3.3.2 按照地区划分分析
                                                                      (单位:人民币百万元)
                                                      营业收入                    营业利润
                  地区                营业收入      比上年同期    营业利润      比上年同期
                                                    增减(%)                   增减(%)
华北、东北地区                            13,504          16.58        5,425          -0.75
华东地区                                   7,495           9.66        3,228          24.06
华中、华南地区                             5,838           1.13        2,323            6.85
西部地区                                   4,368           5.53        2,152            0.37
合计                                      31,205          10.16       13,128            5.99


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




                                                           董事长:吴建
                                                     华夏银行股份有限公司董事会
                                                           2016年8月9日




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