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2020年01月29日 星期三

华夏银行(600015)公告正文

华夏银行:2016年年度报告摘要

公告日期:2017-04-29

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

           §1 重要提示
           1.1 为全面了解本公司的经营成果、财务状况及未来发展规划,投资者应当到指定网站仔细
           阅读年度报告全文。

           1.2 本公司第七届董事会第三十次会议于 2017 年 4 月 27 日审议通过了《华夏银行股份有限
           公司 2016 年年度报告》及摘要。会议应到董事 16 人,实到董事 14 人。李汝革副董事长、
           于长春独立董事因公务缺席会议,分别委托丁世龙董事、王化成独立董事行使表决权。有
           效表决票 16 票。5 名监事列席了本次会议。

           1.3 本公司年度财务会计报告已经德勤华永会计师事务所(特殊普通合伙)根据国内审计
           准则审计,并出具了标准无保留意见审计报告。

           1.4 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


           1.5 公司董事会建议以公司 2016 年 12 月 31 日的总股本 10,685,572,211 股为基数,每 10
           股送现金红利 1.81 元(含税)。以总股本 10,685,572,211 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。

           §2 报告期主要业务简介
                 截至报告期末,本公司主要经营范围: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;经中国银行业监督管理委员会批准的其他业务。
                 面向企业客户通过信贷业务、资产管理、金融市场、资产托管、“现金管理工具箱”等
           业务系列为客户提供融资、现金管理服务。
                 面向个人客户提供储蓄、贷款、理财、基金、保险、贵金属、信用卡等个性化、多元
           化、网络化的金融服务,打造大众理财、老年金融、社区金融、出国金融服务品牌。
                 具体信息参见年度报告第四节“经营情况讨论与分析——业务回顾”。

           §3 主要财务数据和财务指标
                                                                                  (单位:百万元)
             主要会计数据                     2016 年            2015 年       较上年增减(%)       2014 年
营业收入                                           64,025             58,844                8.80        54,885


                                                     1
  营业利润                                           26,119               24,934                   4.75        23,891
  利润总额                                           26,243               25,205                   4.12        24,003
  归属于上市公司股东的净利润                         19,677               18,883                   4.20        17,981
  归属于上市公司股东的扣除非经常性损
                                                     19,593               18,692                   4.82        17,912
  益的净利润
  经营活动产生的现金流量净额                        139,912               48,380                 189.19        17,321
                                               2016 年末          2015 年末         较上年末增减(%)     2014 年末
  资产总额                                        2,356,235          2,020,604                  16.61      1,851,628
  负债总额                                        2,203,262          1,902,216                  15.83      1,749,529
  归属于上市公司股东的所有者权益                    152,184            117,678                  29.32        101,458
  总股本                                             10,686             10,686                      -          8,905

                  主要财务指标                  2016 年                 2015 年     较上年增减(%)        2014 年
  基本每股收益(元/股)                              1.84                    1.77                 3.95          1.68
  稀释每股收益(元/股)                              1.84                    1.77                 3.95          1.68
  扣除非经常性损益后的基本每股收益(元/股)          1.83                    1.75                 4.57          1.68
  加权平均净资产收益率(%)                         15.75                   17.18   下降 1.43 个百分点         19.31
  扣除非经常性损益后的加权平均净资产收益率(%)     15.68                   17.01   下降 1.33 个百分点         19.24
  每股经营活动产生的现金流量净额(元/股)           13.09                    4.53               188.96          1.62
                                                2016 年末           2015 年末       较上年末增减(%)     2014 年末
  归属于上市公司普通股股东的每股净资产(元/股)      12.37               11.01                    12.35          9.49
  资产负债率(%)                                    93.51               94.14      下降 0.63 个百分点         94.49

           §4 分季度主要财务指标
                                                                                      (单位:百万元)
                                              2016 年         2016 年           2016 年         2016 年
                      项目
                                              第一季度        第二季度          第三季度      第四季度
          营业收入                                15,119          16,086            16,390         16,430
          归属于上市公司股东的净利润                4,431           5,395             4,791          5,060
          归属于上市公司股东的扣除非
                                                   4,423            5,373               4,760         5,037
          经常性损益后的净利润
          经营活动产生的现金流量净额            -102,004          175,909               -944        66,951

           §5 股本及股东情况
           5.1 普通股股东数量及前十名股东持股情况表
                                                                                 (单位:股)
    报告期末股东总数(户)            102,808        年度报告披露日前上一个月末股东总数(户)                     100,464
                                               前十名股东持股情况
                                                                                                         质押或冻结的
                                                                                           持有有限售
                                                持股比                       报告期内                      股份数量
         股东名称               股东性质                     持股总数                      条件股份数
                                                例(%)                          增减                    股份
                                                                                               量              数量
                                                                                                       状态
          首钢总公司            国有法人          20.28 2,166,607,843             0                  0     无
中国人民财产保险股份有限公司    国有法人          19.99 2,136,045,885 2,136,045,885                  0     无
国网英大国际控股集团有限公司    国有法人          18.24 1,948,793,952             0                  0     无
  云南合和(集团)股份有限公司    国有法人           4.37   467,376,000 467,376,000                    0     无
  中国证券金融股份有限公司      国有法人           2.53   270,131,627 -46,571,848                    0     无


                                                         2
      润华集团股份有限公司     境内非国有法人    2.13    227,760,000           0             0 质押 226,892,954
华夏人寿保险股份有限公司-万能
                                   其他          1.77    188,697,949 188,697,949             0    无
            保险产品
    上海健特生命科技有限公司   境内非国有法人    1.31    139,726,583           0             0 质押 133,000,000
  中央汇金资产管理有限责任公司   国有法人        1.30    139,097,300           0             0   无
  梧桐树投资平台有限责任公司     国有法人        0.87     92,747,540 -18,530,300             0   无
                                         前十名无限售条件股东持股情况
                                                                        持有无限售条件
                             股东名称                                                             股份种类
                                                                          股份数量
                            首钢总公司                                        2,166,607,843      人民币普通股
                  中国人民财产保险股份有限公司                                 2,136,045,885     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
                    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                                       270,131,627   人民币普通股
                       润华集团股份有限公司                                        227,760,000   人民币普通股
             华夏人寿保险股份有限公司-万能保险产品                                188,697,949   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
                  梧桐树投资平台有限责任公司                                        92,747,540   人民币普通股
上述股东关联关系或    本公司未知上述股东之间是否存在关联关系。
一致行动的说明
                 注: 1、中国人民财产保险股份有限公司受让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)所持
             的全部本公司股份,已于 2016 年 11 月完成过户。本次转让后,中国人民财产保险股份有
             限公司持有本公司 2,136,045,885 股股份,占本公司已发行股份的 19.99%。中国人民财产
             保险股份有限公司承诺自股份交割日起 5 年内不转让本次受让的本公司股份。
                 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。
                 3、2016 年 4 月 26 日,本公司 2,900,348,038 股有限售条件的流通股上市流通。



             5.2 公司与第一大股东首钢总公司之间的股权关系图


                                         北京市国有资产监督管理委员会

                                                          100%
                                          北京国有资本经营管理中心
                                                          100%

                                                  首钢总公司

                                                           20.28%
                                              华夏银行股份有限公司

                                                      3
      5.3 优先股股东数量及前十名股东持股情况表
                                                                               (单位:股)
截至报告期末优先股股东总数(户)     15      年度报告披露日前上一个月末优先股股东总数(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司-分
                                          39,100,000       39,100,000   19.55   其他     无        优先股
红-个险分红
中国平安人寿保险股份有限公司-万
                                          39,100,000       39,100,000   19.55   其他     无        优先股
能-个险万能
中国平安财产保险股份有限公司-传
                                          39,100,000       39,100,000   19.55   其他     无        优先股
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-投资 1 号
                                           7,300,000        7,300,000    3.65   其他     无        优先股
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
上海浦银安盛资产管理有限公司               5,600,000        5,600,000    2.80   其他     无        优先股
                                      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
前十名优先股股东之间,上述股东与前
                                      保险股份有限公司-万能-个险万能和中国平安财产保险股份有
十名普通股股东之间存在关联关系或
                                      限公司-传统-普通保险产品为一致行动人。交银施罗德资产管理
属于一致行动人的说明
                                      有限公司和交银施罗德基金管理有限公司存在关联关系。


      §6 经营情况讨论与分析
      6.1 经营情况讨论与分析
            报告期内,本公司坚定实施“中小企业金融服务商”战略,持续打造“华夏服务”品
      牌,积极落实各项发展战略措施,加快经营转型,强化规范运营,提升服务质效,全面实
      现年度经营目标。
            业务规模稳步增长。报告期末,本集团总资产规模达到 23,562.35 亿元,比年初增加
      3,356.31 亿元,增长 16.61%,比去年同期快 7.48 个百分点;贷款总额 12,166.54 亿元,比
      年初增加 1,474.82 亿元,增长 13.79%。
            经营效益保持稳定。报告期内,归属于上市公司股东的净利润 196.77 亿元,同比增加
      7.94 亿元,增长 4.20%;实现营业收入 640.25 亿元,同比增加 51.81 亿元,增长 8.80%;
      资产收益率 0.90%、净资产收益率 15.75%。
            业务结构进一步优化。一是资产负债结构进一步优化。推行基础型存款管理,存款结
      构出现积极变化;主动融资贡献度提升;高收益资产占比提升。二是收入结构进一步优化。
      信用卡、金融市场、资产托管、资产管理等业务加快发展,带动中间业务收入增长,实现
      中间业务收入 162.81 亿元,同比增加 26.44 亿元,增长 19.39%;中间业务收入占比达到


                                                       4
 25.43%,同比提高 2.26 个百分点。三是成本结构进一步改善。构建利率走廊管理下的市场
 价格对比机制,存款付息率 1.69%,同比下降 0.61 个百分点;细化费用标准,资源配置向
 重点业务倾斜,成本收入比 34.50%,同比下降 0.28 个百分点。
     服务实体经济质效进一步提升。一是不断深化京津冀协同发展等国家战略的金融服
 务。增加京津冀协同发展项目授信;京津冀协同卡累计发卡量比年初增长 83.93%;京津冀
 地区 ETC 签约客户比年初增长 16.34%;大力支持北京城市建设、重大惠民工程和城市副
 中心建设,推出“高新易贷”、“创业易贷”等创新产品,支持科技、文创等产业发展。
 二是加大对“一带一路”、长江经济带建设等国家战略的金融服务力度。三是不断加大对
 实体经济的服务力度。绿色信贷业务余额 454 亿元,较年初增加 54 亿元;小企业贷款各季
 连续完成“三个不低于”的监管目标;积极满足居民投资消费升级的金融需求,推出社区
 贷、“菁英贷”等系列产品,“龙行五洲”出国金融服务全面升级,个人贷款余额同比增
 长 12.79%。四是积极践行社会责任,持续开展“华夏之星”小企业菁英训练营活动,组织
 捐建了第三座华夏之星“初心”图书馆,荣获中国银行业协会“年度最佳社会责任金融机
 构奖”。
     不断深化渠道建设。一是持续完善机构网点布局。哈尔滨、贵阳 2 家一级分行开业,
 新建 8 家二级分行,全年新增网点 97 家,机构网点总数达到 886 家。二是稳步推进 “第
 二银行”建设。移动银行、直销银行、网上银行客户数分别较年初增长 68.61%、 158.92%
 和 25.50%。
     风险管控和规范运行水平进一步提升。一是全面风险管理有效运行。全面风险管理组
 织架构调整到位,推进全面风险管理政策、压力测试等基础制度建设,建立全面风险分析
 视图和监测报告体系;强化市场风险监测和分析;优化操作风险指标体系;完善流动性风
 险管理机制建设,全年流动性管控运行平稳;持续加强业务连续性、外包、声誉等风险管
 理。二是信用风险管理进一步强化。完善集团信用风险管理体系,严控单一集团授信集中
 度;细化授信业务“监测、分析、调控、评价”工作机制,加大问题贷款清收处置力度。
 三是内控合规案防工作进一步加强。健全内控管理体系;加强专业检查统筹管理;有序推
 进案防管理;积极做好反洗钱管理。

6.2 主要经营情况
6.2.1 主营业务分析
      报告期内,本集团实现营业收入 640.25 亿元,同比增长 8.80%,营业利润 261.19 亿元,
同比增长 4.75%。主要原因是业务规模稳定增长,盈利结构进一步优化,成本费用控制取
得成效。
      1、主要指标分析
                                                                  (单位:百万元)
             项目                    2016 年            2015 年          增减(%)
营业收入                                     64,025           58,844                8.80
营业利润                                     26,119           24,934                4.75
归属于上市公司股东的净利润                   19,677           18,883                4.20
现金及现金等价物净变动额                    -71,563          110,740            -164.62

     2、按地区划分情况
                                                                   (单位:百万元)
                                           营业收入比上                  营业利润比上
         地区                营业收入                        营业利润
                                           年增减(%)                   年增减(%)
华北、东北地区                    30,444           22.24         15,682          22.11

                                           5
 华东地区                         14,001               0.65        4,466             6.13
 华中、华南地区                   11,290              -3.04        3,026           -24.73
 西部地区                          8,290              -1.14        2,945           -23.76
 合计                             64,025               8.80       26,119             4.75

       3、业务收入变动情况
                                                                      (单位:百万元)
          业务种类             2016 年          占比(%)      2015 年      与上年增减(%)
发放贷款和垫款利息收入             59,990             57.27        60,612              -1.03
应收款项类投资利息收入              7,258              6.93         9,791             -25.87
持有至到期投资利息收入              8,755              8.36         6,220              40.76
买入返售金融资产利息收入            2,867              2.74         4,989             -42.53
存放中央银行款项利息收入            3,318              3.17         3,663              -9.42
可供出售金融资产利息收入            3,066              2.93         3,173              -3.37
存放同业款项利息收入                1,670              1.59         1,627               2.64
拆出资金利息收入                      971              0.93          787             23.38
以公允价值计量且其变动计入
                                      347              0.33          462             -24.89
当期损益的金融资产利息收入
手续费收入                         16,124             15.39        13,435            20.01
其他业务                              380              0.36           389            -2.31
合计                              104,746            100.00       105,148            -0.38

       4、报告期内利润构成、主营业务及其结构、主营业务盈利能力较前一报告期发生重大
   变化的原因说明
       不适用。

       5、现金流量情况分析
       报告期末,本集团现金及现金等价物净流量为现金净流出 715.63 亿元。其中,经营活
   动产生的现金净流入 1,399.12 亿元,主要是持续加强流动性风险管理,资产负债业务均衡
   协调发展。投资活动产生的现金净流出 2,675.33 亿元,主要是投资规模增加所致;筹资活
   动产生的现金净流入 552.20 亿元,主要是发行金融债、优先股所致。

   6.2.2 非主营业务导致利润重大变化的说明
        不适用。

   6.2.3 利润表主要项目分析
        1、利息收入
                                                                   (单位:百万元)
                                      2016 年                         2015 年
            项目
                                金额         占比(%)           金额        占比(%)
 对公贷款和垫款                   49,433           56.02           50,273          55.05
 个人贷款和垫款                     9,726              11.02        10,035          10.99
 票据贴现                             831               0.94           304           0.33
 应收款项类投资                     7,258               8.23         9,791          10.72
 持有至到期投资                     8,755               9.92         6,220           6.81


                                            6
买入返售金融资产                 2,867            3.25         4,989           5.46
存放中央银行款项                 3,318            3.76         3,663           4.01
可供出售金融资产                 3,066            3.48         3,173           3.48
存放同业款项                     1,670            1.89         1,627           1.78
拆出资金                           971            1.10           787           0.86
以公允价值计量且其变动
                                   347            0.39           462           0.51
计入当期损益的金融资产
合计                            88,242          100.00        91,324         100.00


       2、利息支出
                                                              (单位:百万元)
                                      2016 年                     2015 年
             项目
                                金额       占比(%)        金额       占比(%)
吸收存款                          22,519         57.37        29,574         65.37
同业及其他金融机构存放款项         5,685           14.48       10,415          23.02
拆入资金                           1,816            4.63        1,601           3.54
卖出回购金融资产款                 1,413            3.60        1,131           2.50
应付债务凭证                       6,094           15.52        1,596           3.53
向中央银行借款                     1,726            4.40         924            2.04
合计                              39,253         100.00        45,241         100.00


       3、手续费及佣金收入
                                                                (单位:百万元)
                                    2016 年                       2015 年
           项目
                             金额          占比(%)       金额          占比(%)
理财业务                         5,840           36.22         5,431           40.42
银行卡业务                       4,999           31.00         3,097           23.05
代理业务                         1,838           11.40         1,657           12.33
信用承诺                         1,460            9.05         1,621           12.07
托管及其他受托业务                890             5.52         1,042            7.76
租赁业务                          572             3.55          303             2.26
其他业务                          525             3.26          284             2.11
合计                            16,124          100.00        13,435          100.00


       4、 业务及管理费
                                                                (单位:百万元)
                                   2016 年                        2015 年
           项目
                             金额         占比(%)        金额          占比(%)
职工薪酬及福利                 13,260           60.04        12,496            61.06
业务费用                         5,886           26.65         5,142           25.12
折旧和摊销                       2,940           13.31         2,828           13.82
合计                            22,086          100.00        20,466          100.00




                                         7
       5、所得税费用
                                                                           (单位:百万元)
                   项   目                                  2016 年              2015 年
税前利润总额                                                        26,243               25,205
按法定税率 25%计算的所得税                                          6,561                 6,300
以前年度当期所得税调整                                                  -                      -1
加:不可抵扣费用的纳税影响                                          1,312                   741
减:免税收入的纳税影响                                              1,386                   787
合计                                                                6,487                 6,253


 6.2.4 资产情况分析
      1、贷款投放情况
      (1)贷款投放按行业分布情况
                                                                 (单位:百万元)
                                               年末                    年初
 行业分布
                                        金额        比例(%)    金额      比例(%)
 制造业                                   214,201         17.60  213,414        19.96
 批发和零售业                             155,962         12.82  147,267        13.77
 租赁和商务服务业                         155,004         12.74  110,083        10.30
 房地产业                                  90,119          7.41   78,867         7.38
 建筑业                                    83,378          6.85   84,291         7.88
 水利、环境和公共设施管理业                65,591          5.39   42,344         3.96
 交通运输、仓储和邮政业                    49,758          4.09   50,704         4.74
 采矿业                                    33,016          2.71   31,930         2.99
 电力、热力、燃气及水生产和供应业          32,206          2.65   25,366         2.37
 其他对公行业                              64,302          5.29   52,523         4.92
 票据贴现                                  27,459          2.26   31,478         2.94
 个人贷款                                 245,658         20.19  200,905        18.79
 合计                                   1,216,654       100.00 1,069,172       100.00
      报告期内,本集团支持实体经济发展,积极引导信贷资源对基础设施建设、民生工程、
 绿色信贷、战略新兴产业等重点行业、优质客户的配置,持续调整控制产能过剩、房地产、
 贸易融资等重点领域风险及信贷需求,行业信贷结构持续均衡增长。

        (2)贷款投放按地区分布情况
                                                                           (单位:百万元)
                                         年末                                年初
        地区分布
                             金额               比例(%)          金额           比例(%)
 华北及东北                    457,647                   37.62       391,413             36.61
 华东                         331,551                    27.24       300,165             28.07
 华南及华中                   262,995                    21.62       225,674             21.11
 西部                         164,461                    13.52       151,920             14.21
 合计                        1,216,654                 100.00      1,069,172           100.00


       (3)前十名贷款客户情况
                                                                            (单位:百万元)


                                                   8
                                                  余额                         占比(%)
 前十名贷款客户                                    33,868                      2.89
     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 338.68 亿元,
 占期末贷款总额的 2.89%,占资本净额的 19.51%,控制在监管要求之内。

        (4)贷款担保方式分类及占比
                                                                        (单位:百万元)
                                    年末                                  年初
                           金额            占比(%)            金额           占比(%)
 信用贷款                    196,635              16.16           152,988             14.31
 保证贷款                     462,333               38.00           374,272                 35.00
 附担保物贷款                 557,686               45.84           541,912                 50.69
 — 抵押贷款                  433,433               35.63           405,643                 37.94
 — 质押贷款                  124,253               10.21           136,269                 12.75
           合计            1,216,654               100.00          1,069,172               100.00


         2、主要贷款及利率情况
       (1)按业务类别分
                                                                        (单位:百万元)
           类别                  平均余额                   利息          平均利率(%)
企业贷款                                 899,784                 50,264               5.59
零售贷款                                 217,344                  9,726               4.47
合计                                   1,117,128                 59,990               5.37


       (2)按业务期限分
                                                                        (单位:百万元)
        类别                     平均余额                   利息          平均利率(%)
一般性短期贷款                           497,838                 25,201               5.06
中长期贷款                               619,290                 34,789               5.62
合计                                   1,117,128                 59,990               5.37
        注:一般性短期贷款包括贴现。

        3、买入返售金融资产
                                                                            (单位:百万元)
                                          2016 年末                           2015 年末
             项目
                                    余额         占比(%)              余额         占比(%)
债券                                  120,666           98.88             145,885           59.47
票据                                     1,366           1.12              99,412           40.53
合计                                  122,032          100.00             245,297          100.00

 6.2.5 负债情况分析
      1、客户存款
                                                                           (单位:百万元)
           类别                  平均余额                   利息             平均利率(%)


                                              9
   企业活期存款                               444,691                     3,810                  0.86
   企业定期存款                               654,140                    14,316                  2.19
   储蓄活期存款                                97,078                       266                  0.27
   储蓄定期存款                               139,973                     4,127                  2.95
   合计                                     1,335,882                    22,519                  1.69


          2、卖出回购金融资产款
                                                                                (单位:百万元)
                                         2016 年末                              2015 年末
           项目
                                  余额               占比(%)             余额         占比(%)
   债券                                  106,462            99.78            69,670            86.56
   票据                                      234             0.22            10,821            13.44
   合计                                  106,696           100.00            80,491           100.00

          3、同业及其他金融机构存放款项
                                                                                 (单位:百万元)
                                          2016 年末                                 2015 年末
              项目
                                     余额        占比(%)                    余额         占比(%)
 境内同业存放款项                      89,006           39.53                   132,295          48.96
 境外同业存放款项                             579                 0.26              1,020             0.38
 境内其他金融机构存放款项                 135,548              60.21              136,885         50.66
 合计                                     225,133             100.00              270,200        100.00


    6.3 银行业务数据
    6.3.1 前三年主要财务会计数据
                                                                                 (单位:百万元)
               项目                          2016 年末               2015 年末           2014 年末
资产总额                                          2,356,235              2,020,604            1,851,628
负债总额                                          2,203,262              1,902,216            1,749,529
归属于上市公司股东的所有者权益                      152,184                 117,678             101,458
存款总额                                          1,368,300              1,351,663            1,303,216
其中:企业活期存款                                  560,322                489,750              381,336
      企业定期存款                                  404,577                414,827              445,784
      储蓄活期存款                                  114,459                 110,917              91,585
      储蓄定期存款                                  125,074                130,830              133,008
      其他存款                                      163,868                205,339              251,503
贷款总额                                          1,216,654              1,069,172              939,989
其中:正常贷款                                    1,196,306              1,052,875              929,744
      不良贷款                                       20,348                  16,297              10,245
同业拆入                                             73,130                  64,141              42,638
贷款损失准备                                         32,299                  27,235              23,884

    6.3.2 前三年主要财务指标
         主要指标(%)             标准值           2016 年              2015 年            2014 年
  资产利润率                                               0.90                    0.98            1.02
  资本利润率                                              14.56                   17.19           19.16


                                                    10
不良贷款率                                        1.67            1.52                                 1.09
拨备覆盖率                                      158.73         167.12                                233.13
贷款拨备率                                        2.65            2.55                                 2.54
成本收入比                                       34.50           34.78                                37.37
                人民币                           81.99           75.26                                67.76
存贷款比例      外币折人民币                     65.18           76.53                                97.90
                本外币合计                       81.65           75.29                                68.52
                人民币         ≥25%             31.45           39.14                                46.75
资产流动性
                外币折人民币   ≥25%             80.92           83.27                                70.50
比例
                本外币合计     ≥25%             31.59           40.14                                46.89
单一最大客户贷款比例           ≤10%              3.47            4.46                                 4.68
最大十家客户贷款比例           ≤50%             19.51           18.32                                18.47
        注:1、单一最大客户贷款比例=最大一家客户贷款总额/总资本净额×100%
               最大十家客户贷款比例=最大十家客户贷款总额/总资本净额×100%
        2、存贷款比例、资产流动性比例、单一最大客户贷款比例、最大十家客户贷款
      比例为监管计算口径。

  6.3.3 资本构成、杠杆率及其变化情况
       1、资本构成及其变化情况
                                                                                    (单位:百万元)
                                2016 年 12 月 31 日       2015 年 12 月 31 日         2014 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                     178,991     173,565       144,336     139,832         132,441      128,585
1.1:核心一级资本                132,857     131,351       118,250     117,176         101,988      101,257
1.2:核心一级资本扣减项                 1      2,630               2     2,630                 1      2,630
1.3:核心一级资本净额            132,856     128,721       118,248     114,546         101,987       98,627
1.4:其他一级资本                 20,044      19,978              39            -             20            -
1.5:其他一级资本扣减项                 0             0            -            -              -            -
1.6:一级资本净额                152,900     148,699       118,287     114,546         102,007       98,627
1.7:二级资本                     26,091      24,866        26,049      25,286          30,434       29,958
1.8:二级资本扣减项                     0             0            -            -              -            -
2.信用风险加权资产              1,452,825   1,408,869     1,225,885 1,191,486        1,107,853     1,081,929
3.市场风险加权资产                12,440      12,440         5,364       5,364           6,018        6,018
4.操作风险加权资产               110,486     108,572        99,142      97,935          87,230       86,587
5.风险加权资产合计              1,575,751   1,529,881     1,330,391 1,294,785        1,201,101     1,174,534
6. 核 心 一 级 资 本 充 足 率
                                     8.43        8.41         8.89        8.85            8.49          8.40
(%)
7.一级资本充足率(%)                9.70        9.72         8.89        8.85            8.49          8.40
8.资本充足率(%)                  11.36       11.34         10.85       10.80           11.03        10.95
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。本期本公司不合格二级
资本工具可计入金额为 40 亿元。

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          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、杠杆率及其变化情况
                                                                               (单位:百万元)
         项目             2016 年 12 月 31 日   2016 年 9 月 30 日   2016 年 6 月 30 日 2016 年 3 月 31 日
一级资本净额                         148,699              144,850             139,984             138,778
调整后的表内外资产余额             2,649,577            2,591,314            2,608,434          2,456,698
杠杆率(%)                             5.61                 5.59                 5.37               5.65
          注:以上均为非并表口径,依据《商业银行杠杆率管理办法(修订)》(中国银监会
      令[2015]第 1 号)计算。

      6.3.4 流动性覆盖率信息
                                                                       (单位:百万元)
                           项目                               2016 年 12 月 31 日
      合格优质流动性资产                                                          161,936
      未来 30 天现金净流出量                                                      187,487
      流动性覆盖率(%)                                                             86.37
            注:以上为并表口径,根据《中国银监会关于印发2016年非现场监管报表的通知》(银
      监发〔2015〕51号)和《商业银行流动性风险管理办法(试行)》(中国银监会令〔2015〕
      第9号)计算。

      §7 涉及财务报告的相关事项
      7.1 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
      不适用。

      7.2 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
      不适用。

      7.3 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
      不适用。

      7.4 对年度财务报告被会计师事务所出具非标准审计意见的说明
      不适用。




                                                               董事长:李民吉
                                                          华夏银行股份有限公司董事会
                                                              2017 年 4 月 27 日

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