新闻源 财富源

2019年09月19日 星期四

民生银行(600016)公告正文

民生银行:2015年半年度报告摘要

公告日期:2015-08-29

公司代码:600016                                 公司简称:民生银行




                         中国民生银行股份有限公司
                            2015 年半年度报告摘要

一 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

                                       公司股票简况
      股票种类             股票上市交易所           股票简称                  股票代码
A股                    上交所                民生银行                600016
H股                    香港联交所            民生银行                01988



      联系人和联系方式                 董事会秘书                      证券事务代表
            姓名              万青元                           何群、王洪刚
            电话              86-10-68946790                  86-10-68946790
            传真              86-10-58560720                  86-10-58560720
          电子信箱            cmbc@cmbc.com.cn                 cmbc@cmbc.com.cn



二 主要财务数据和股东情况

2.1 公司主要财务数据

                                     2015 年        2014 年      本报告期比        2013 年
                                      1-6 月         1-6 月        上年同期         1-6 月
经营业绩(人民币百万元)                                         增减(%)
      利息净收入                     46,994         43,600           7.78          40,564
      非利息净收入                   29,908         21,529          38.92          17,725
      营业收入                       76,902         65,129          18.08          58,289
      业务及管理费                   21,025         18,966          10.86          16,714
      贷款和垫款减值损失             14,342          6,805          110.76          6,802
      营业利润                       35,305         34,328           2.85          30,932
      利润总额                       35,529         34,397           3.29          30,994
      归属于母公司股东的净利润       26,778         25,570           4.72          22,945
     归属于母公司股东的扣除非
                                 26,686        25,586         4.30        22,908
     经常性损益的净利润
     经营活动产生的现金流量净    77,083       104,544        -26.27      -32,094
     额
每股计(人民币元/股)
     基本每股收益                 0.78          0.75          4.00         0.67
     稀释每股收益                 0.74          0.71          4.23         0.65
     扣除非经常性损益后的基本
                                  0.78          0.75          4.00         0.67
     每股收益
     扣除非经常性损益后的稀释
                                  0.74          0.71          4.23         0.65
     每股收益
     每股经营活动产生的现金流     2.11          3.07         -31.27        -0.94
     量净额
盈利能力指标(%)                                          变动百分点
     平均总资产收益率(年化)     1.31          1.54         -0.23         1.42
     加权平均净资产收益率(年
                                  20.98        24.22         -3.24        26.04
     化)
     扣除非经常性损益后加权平
                                  20.91        24.24         -3.33        26.00
     均净资产收益率(年化)
     成本收入比                   27.34        29.12         -1.78        28.67
     手续费及佣金净收入占营业
                                  32.70        28.31          4.39        27.83
     收入比率
     净利差                       2.19          2.42         -0.23         2.24
     净息差                       2.35          2.62         -0.27         2.41


                                 2015 年      2014 年      本报告期末    2013 年
                                6 月 30 日   12 月 31 日   比上年度末   12 月 31 日
规模指标(人民币百万元)                                   增减(%)
     资产总额                   4,301,073    4,015,136        7.12      3,226,210
     发放贷款和垫款总额         1,949,336    1,812,666        7.54      1,574,263
     负债总额                   4,012,760    3,767,380        6.51      3,021,923
     吸收存款                   2,632,680    2,433,810        8.17      2,146,689
     归属于母公司股东权益总额    280,279      240,142        16.71       197,712
     归属于母公司股东的每股净
                                  7.68          7.03          9.25         5.81
     资产(人民币元/股)
资产质量指标(%)                                          变动百分点
     不良贷款率                   1.36          1.17          0.19         0.85
     拨备覆盖率                  162.13        182.20        -20.07       259.74
     贷款拨备率                   2.20          2.12          0.08         2.21
资本充足指标(%)                                          变动百分点
     核心一级资本充足率           9.15          8.58          0.57         8.72
     一级资本充足率               9.17          8.59          0.58         8.72
     资本充足率                   11.57        10.69          0.88        10.69
        总权益对总资产比率                    6.70           6.17            0.53            6.33

注: 1、平均总资产收益率=净利润/期初及期末总资产平均余额。

      2、加权平均净资产收益率=归属于母公司股东的净利润/归属于母公司股东权益加权平均余额。

      3、成本收入比=业务及管理费/营业收入。

      4、净利差=生息资产平均收益率-付息负债平均成本率。

      5、净息差=利息净收入/生息资产平均余额。

      6、不良贷款率=不良贷款余额/发放贷款和垫款总额。

      7、拨备覆盖率=贷款减值准备/不良贷款余额。

      8、贷款拨备率=贷款减值准备/发放贷款和垫款总额。


2.2     截止报告期末的股东总数、前十名股东、前十名流通股东(或无限售条件股东)持股情况
      表

                                                                                            单位: 股
         股东总数                                              638,591
前 10 名股东持股情况
                                                                                            持有有限制
                  股东名称                      股东性质   持股比例        持股总数         条件股份数
                                                                                                量
香港中央结算(代理人)有限公司                       /        18.90%      6,897,526,679             -
安邦人寿保险股份有限公司-稳健型投资
                                                境内法人       6.49%      2,369,416,768             -
组合
安邦财产保险股份有限公司-传统产品              境内法人       4.56%      1,665,225,632             -
安邦保险集团股份有限公司-传统保险
                                                境内法人       4.49%      1,639,344,938             -
产品
新希望投资有限公司                              境内法人       4.39%      1,600,304,190             -
中国人寿保险股份有限公司-传统-普
                                                境内法人       3.66%      1,336,608,000             -
通保险产品-005L-CT001 沪
上海健特生命科技有限公司                        境内法人       3.15%      1,149,732,989             -
中国船东互保协会                                境内法人       2.98%      1,086,917,406             -
东方集团股份有限公司                            境内法人       2.92%      1,066,764,269             -
中国泛海控股集团有限公司                        境内法人       2.30%        838,726,939             -
前 10 名无限售条件股份持股情况
                                                                       持有无限制条
股东名称                                                                                    股份种类
                                                                         件股份数量
                                                                                          境外上市外资
香港中央结算(代理人)有限公司                                           6,897,526,679
                                                                                            股(H 股)
安邦人寿保险股份有限公司-稳健型投资组合                                 2,369,416,768    人民币普通股
安邦财产保险股份有限公司-传统产品                                       1,665,225,632    人民币普通股
安邦保险集团股份有限公司-传统保险产品                                   1,639,344,938    人民币普通股
新希望投资有限公司                                                       1,600,304,190    人民币普通股
中国人寿保险股份有限公司-传统-普通保险产品-005L-                     1,336,608,000    人民币普通股
CT001 沪
上海健特生命科技有限公司                                              1,149,732,989   人民币普通股
中国船东互保协会                                                      1,086,917,406   人民币普通股
东方集团股份有限公司                                                  1,066,764,269   人民币普通股
中国泛海控股集团有限公司                                                838,726,939   人民币普通股
上述股东关联关系或一致行         安邦保险集团股份有限公司为安邦人寿保险股份有限公司和安邦财
动的说明                         产保险股份有限公司的控股股东。除上述外,本公司未知其他股东
                                 之间关联关系。
注:H 股股东持股情况根据 H 股股份过户登记处设置的公司股东名册中所列的股份数目统计。




2.3    控股股东或实际控制人变更情况

       □适用 √不适用


三 管理层讨论与分析

3.1    总体经营概况


      报告期内,本公司进一步聚焦战略,不断深化战略转型,积极应对利率市场化挑战,启动凤

凰计划项目,加快推进转型和改革步伐,不断优化和调整经营结构,强化资产质量管理,保持盈

利能力持续提升。


      盈利能力持续提升,股东回报保持稳定

      报告期内,本集团实现归属于母公司股东的净利润267.78亿元,同比增加12.08亿元,增幅

4.72%;净息差和净利差分别为2.35%、2.19%,同比分别下降0.27和0.23个百分点;基本每股收益

0.78元,同比增加0.03元,增幅4.00%;归属于母公司股东每股净资产7.68元,比上年末增加0.65

元,增幅9.25%。


      资产负债业务保持平稳发展,业务结构持续优化

      截至报告期末,本集团资产总额43,010.73亿元,比上年末增加2,859.37亿元,增幅7.12%;其

中,发放贷款和垫款总额19,493.36亿元,比上年末增加1,366.70亿元,增幅7.54%;交易和银行账

户投资净额7,451.90亿元,比上年末增加1,470.26亿元,增幅24.58%。负债总额40,127.60亿元,比

上年末增加2,453.80亿元,增幅6.51%;其中,吸收存款总额26,326.80亿元,比上年末增加1,988.70

亿元,增幅8.17%;应付债券总额1,809.01亿元,比上年末增加516.22亿元,增幅39.93%。在资产

负债业务平稳发展的同时,本集团不断调整、优化资产业务投向,加大投资业务占比,截至报告
期末,发放贷款和垫款总额在资产总额中占比45.32%,比上年末提升0.17个百分点;交易和银行

账户投资净额在资产总额中占比17.33%,比上年末提升2.43个百分点;存拆放同业及其他金融机

构款项和买入返售金融资产在资产总额中占比21.45%,比上年末下降1.66个百分点。


      营业收入持续增长,成本收入比不断改善

      报告期内,本集团实现营业收入 769.02 亿元,同比增加 117.73 亿元,增幅 18.08%;其中,

非利息净收入 299.08 亿元,同比增加 83.79 亿元,增幅 38.92%,占营业收入比率为 38.89%,同

比提高 5.83 个百分点。在营业收入持续增长的同时,本集团不断强化成本管理,优化成本管控模

式,本报告期成本收入比为 27.34%,比上年同期下降 1.78 个百分点。


      风险管控力度不断加大,资产质量总体可控

      本集团持续优化风险政策管理体系,加强信贷风险全过程控制,加大不良资产清收处置力度,

有效控制资产质量,确保资产质量总体可控。截至报告期末,本集团不良贷款率为1.36%,比上

年末上升0.19个百分点;拨备覆盖率和贷款拨备率分别为162.13%和2.20%。



3.2    利润表主要项目分析


      报告期内,本集团盈利能力持续提升,实现归属于母公司股东的净利润 267.78 亿元,同比增

加 12.08 亿元,增幅 4.72%,主要由于业务规模的不断扩大和营业收入的增长。

      本集团主要损益项目及变动如下:

                                                                     (单位:人民币百万元)
                 项目                  2015 年 1-6 月   2014 年 1-6 月        增幅(%)
营业收入                                  76,902            65,129               18.08
其中:利息净收入                          46,994            43,600               7.78
        非利息净收入                      29,908            21,529               38.92
营业支出                                  41,597            30,801               35.05
其中:业务及管理费                        21,025            18,966               10.86
        营业税金及附加                     5,047            4,371                15.47
       资产减值损失                       15,011            7,218               107.97
       其他业务成本                          514             246                108.94
营业利润                                  35,305            34,328               2.85
加:营业外收支净额                           224              69                224.64
利润总额                                  35,529            34,397               3.29
减:所得税费用                             8,257            8,306                -0.59
净利润                                    27,272            26,091               4.53
其中:归属于母公司股东的净利润                26,778                    25,570                    4.72
        归属于少数股东损益                        494                    521                      -5.18


       其中,营业收入的主要项目、占比及变动情况如下:

                                                                                 (单位:人民币百万元)
                                                  2015 年 1-6 月           2014 年 1-6 月
                                                                                                      增幅
                   项目                                        占比                      占比
                                               金额                        金额                       (%)
                                                               (%)                     (%)
利息净收入                                    46,994           61.11      43,600         66.94            7.78
其中:发放贷款和垫款利息收入                  60,043           78.08      56,489         86.73            6.29
        买入返售金融资产利息收入              13,461           17.50      16,858         25.88        -20.15
        交易和银行账户投资利息收入            15,531           20.20       8,164         12.54           90.24
        存放同业及其他金融机构利息收
                                              2,380             3.09       3,209          4.93        -25.83
        入
        存放中央银行款项利息收入              3,381             4.40       3,244          4.98            4.22
        长期应收款利息收入                    2,944             3.83       3,446          5.29        -14.57
        拆放同业及其他金融机构利息收
                                              5,127             6.67       2,768          4.25           85.22
        入
        利息支出                              -55,873          -72.66     -50,578        -77.66          10.47
非利息净收入                                  29,908           38.89      21,529         33.06           38.92
        手续费及佣金净收入                    25,145           32.70      18,438         28.31           36.38
        其他非利息净收入                      4,763             6.19       3,091          4.75           54.09
合计                                          76,902           100.00     65,129         100.00          18.08

    3.2.1 利息净收入及净息差

       报告期内,本集团实现利息净收入469.94亿元,同比增加33.94亿元,增幅7.78%。其中,业

务规模增长促进利息净收入增加56.40亿元,利率变动导致利息净收入减少22.46亿元。

    报告期内,本集团净息差为2.35%,同比下降0.27个百分点。净息差下降主要是受央行降息因

素的影响。

    本集团利息净收入情况如下:

                                                                        (单位:人民币百万元)
                                 2015 年 1-6 月                                  2014 年 1-6 月
        项目                                       平均收益                                        平均收益
                     平均余额      利息收入                        平均余额        利息收入
                                                   率(%)                                         率(%)
生息资产
发放贷款和垫款
                     1,899,556      60,043              6.32       1,632,819        56,489            6.92
总额
其中:公司贷款和
                     1,221,297      37,077              6.07       1,024,628        34,714            6.78
      垫款
       个人贷款
                      678,259       22,966          6.77      608,191       21,775          7.16
       和垫款
交易和银行账户
                      643,692       15,531          4.83      363,511        8,164          4.49
投资
存放中央银行款
                      443,016        3,381          1.53      429,409        3,244          1.51

存放同业及其他
                      117,322        2,380          4.06      143,618        3,209          4.47
金融机构款项
拆放同业及其他
                      231,841        5,127          4.42      106,352        2,768          5.21
金融机构款项
买入返售金融资
                      566,710       13,461          4.75      571,077       16,858          5.90

长期应收款            92,564         2,944          6.36      84,703         3,446          8.14
合计                 3,994,701      102,867         5.15     3,331,489      94,178          5.65


                                 2015 年 1-6 月                          2014 年 1-6 月
       项目                                       平均成本                                平均成本
                     平均余额      利息支出                  平均余额      利息支出
                                                  率(%)                                 率(%)
付息负债
吸收存款             2,469,180      28,898          2.34     2,188,898      25,855          2.36
其中:公司存款       1,926,607      22,600          2.35     1,668,050      19,865          2.38
           活期       648,276        2,576          0.79      625,943        2,349          0.75
           定期      1,278,331      20,024          3.13     1,042,107      17,516          3.36
       个人存款       542,573        6,298          2.32      520,848        5,990          2.30
           活期       132,180         261           0.39      129,844         250           0.39
           定期       410,393        6,037          2.94      391,004        5,740          2.94
同业及其他金融
                      878,804       17,454          3.97      665,202       17,865          5.37
机构存放款项
同业及其他金融
                      45,009          754           3.35      32,675          614           3.76
机构拆入款项
卖出回购金融资
                      59,855         1,186          3.96      54,774         1,287          4.70
产款
应付债券              159,684        3,923          4.91      103,534        2,579          4.98
向央行和其他金
融机构借款及其        162,504        3,658          4.50      87,170         2,378          5.46

合计                 3,775,036      55,873          2.96     3,132,253      50,578          3.23


利息净收入                          46,994                                  43,600
净利差                                              2.19                                    2.42
净息差                                              2.35                                    2.62
注:汇出及应解汇款在此表中归入公司活期存款;发行存款证在此表中归入公司定期存款。
    下表列出本集团由于规模变化和利率变化导致利息收入和利息支出变化的分布情况:

                                                                            (单位:人民币百万元)
                                         2015 年 1-6 月      2015 年 1-6 月
                 项目                    比上年同期增减      比上年同期增减            净增/减
                                           变动规模因素        变动利率因素
利息收入变化:
   发放贷款和垫款总额                          9,228               -5,674               3,554
   交易和银行账户投资                          6,293               1,074                7,367
   存放中央银行款项                             103                   34                137
   存放同业及其他金融机构款项                  -588                -241                 -829
   拆放同业及其他金融机构款项                  3,266               -907                 2,359
   买入返售金融资产                            -129                -3,268              -3,397
   长期应收款                                   320                -822                 -502
小计                                           18,493              -9,804               8,689
利息支出变化:
   吸收存款                                    3,311               -268                 3,043
   同业及其他金融机构存放款项                  5,737               -6,148               -411
   同业及其他金融机构拆入款项                   232                   -92               140
   卖出回购金融资产款                           119                -220                 -101
   应付债券                                    1,399                  -55               1,344
   向央行和其他金融机构借款及其
                                               2,055               -775                 1,280
   他
小计                                           12,853              -7,558               5,295
利息净收入变化                                 5,640               -2,246               3,394

注:规模变化以平均余额变化来衡量;利率变化以平均利率变化来衡量。


    3.2.2 非利息净收入

    报告期内,本集团实现非利息净收入299.08亿元,同比增加83.79亿元,增幅38.92%。

                                                                            (单位:人民币百万元)
            项目                  2015 年 1-6 月          2014 年 1-6 月            增幅(%)
手续费及佣金净收入                    25,145                 18,438                   36.38
其他非利息净收入                       4,763                  3,091                   54.09
合计                                  29,908                 21,529                   38.92

    手续费及佣金净收入

    报告期内,本集团实现手续费及佣金净收入251.45亿元,同比增加67.07亿元,增幅36.38%,

主要由于银行卡手续费收入、托管及其他受托业务佣金、代理业务收入以及投行业务收入的快速
增长。

                                                                  (单位:人民币百万元)
           项目                2015 年 1-6 月     2014 年 1-6 月          增幅(%)
  银行卡服务手续费                 7,318              5,601                 30.66
  托管及其他受托业务佣金           6,195              4,410                 40.48
  代理业务手续费                   5,815              4,606                 26.25
  信用承诺手续费及佣金             3,353              2,575                 30.21
  财务顾问服务费                   2,485               977                  154.35
  结算与清算手续费                 1,465              1,507                  -2.79
  融资租赁手续费                    183                489                  -62.58
  其他                              208                114                  82.46
手续费及佣金收入                  27,022              20,279                33.25
减:手续费及佣金支出               1,877              1,841                  1.96
手续费及佣金净收入                25,145              18,438                36.38


    其他非利息净收入

    报告期内,本集团实现其他非利息净收入47.63亿元,同比增加16.72亿元,增幅54.09%,主

要由于票据买卖价差收益以及附属公司租赁业务收入同比有所增加。

                                                                  (单位:人民币百万元)
           项目              2015 年 1-6 月      2014 年 1-6 月           增幅(%)
投资收益                         3,069               1,880                  63.24
公允价值变动收益                  577                 226                   155.31
汇兑(损失)/收益                 -325                464                上年同期为正
其他业务收入                     1,442                521                   176.78
合计                             4,763               3,091                  54.09

    3.2.3 业务及管理费

    报告期内,本集团业务及管理费为210.25亿元,同比增加20.59亿元,增幅10.86%,主要是人

工成本以及机构网点、科技系统、渠道建设等项目的投入。本集团成本收入比为27.34%,同比略

有下降,下降1.78个百分点。

                                                                  (单位:人民币百万元)
           项目              2015 年 1-6 月      2014 年 1-6 月           增幅(%)
员工薪酬(包括董事薪酬)         11,214              10,179                 10.17
租赁及物业管理费                 2,357               1,888                  24.84
折旧和摊销费用                   1,889               1,357                  39.20
办公费用                         1,224               1,452                  -15.70
监管费                             73                  29                   151.72
业务费用及其他                   4,268               4,061                   5.10
 合计                                   21,025                  18,966                  10.86

       3.2.4 资产减值损失

       报告期内,本集团资产减值损失150.11亿元,同比增加77.93亿元,增幅107.97%。

                                                                             (单位:人民币百万元)
              项目                  2015 年 1-6 月          2014 年 1-6 月           增幅(%)
 发放贷款和垫款                         14,342                  6,805                  110.76
 应收款项类投资                             336                      -              上年同期为零
 长期应收款                                 206                  312                    -33.97
 其他                                       127                  101                    25.74
 合计                                   15,011                  7,218                  107.97

       3.2.5 所得税费用

       报告期内,本集团所得税费用为82.57亿元,同比减少0.49亿元,所得税费用在利润总额中的

 占比为23.24%。




 3.3    资产负债表主要项目分析

       3.3.1 资产
       截至报告期末,本集团资产总额为 43,010.73 亿元,比上年末增加 2,859.37 亿元,增幅 7.12%,
 资产规模不断扩大。

       本集团资产总额的构成情况如下:
                                                                             (单位:人民币百万元)
                                   2015 年 6 月 30 日      2014 年 12 月 31 日    2013 年 12 月 31 日
              项目                              占比                    占比                   占比
                                    金额                     金额                   金额
                                               (%)                    (%)                  (%)
 发放贷款和垫款总额               1,949,336     45.32      1,812,666    45.15     1,574,263    48.80
 减:贷款减值准备                  42,839          1.00     38,507        0.96     34,816         1.08
 发放贷款和垫款净额               1,906,497       44.32    1,774,159     44.19    1,539,447      47.72
 存拆放同业及其他金融机构
                                   922,556        21.45    927,756       23.11     767,335       23.78
 款项和买入返售金融资产
 交易和银行账户投资净额            745,190        17.33    598,164       14.90     304,736        9.45
 现金及存放中央银行款项            473,449        11.01    471,632       11.75     433,802       13.45
 长期应收款                        90,320          2.10     88,824        2.21     82,543         2.56
 固定资产净额(含在建工程)        35,233          0.82     33,375        0.83     21,478         0.67
 衍生金融资产                       3,098          0.07      3,231        0.08      1,986         0.06
 其他                              124,730         2.90    117,995        2.93     74,883         2.31
 合计                             4,301,073       100.00   4,015,136     100.00   3,226,210      100.00
注:交易和银行账户投资包括以公允价值计量且其变动计入当期损益的金融资产、可供出售金融资产、持有至到期
  投资、应收款项类投资。


    发放贷款和垫款

    截至报告期末,本集团发放贷款和垫款总额达19,493.36亿元,比上年末增加1,366.70亿元,

增幅7.54%,发放贷款和垫款总额在资产总额中的占比为45.32%,比上年末上升0.17个百分点。

    按产品类型划分的发放贷款和垫款分布情况如下:


                                                                  (单位:人民币百万元)
                       2015 年 6 月 30 日     2014 年 12 月 31 日       2013 年 12 月 31 日
        项目
                       金额        占比(%)     金额        占比(%)       金额      占比(%)
公司贷款和垫款       1,238,925     63.56     1,157,985     63.88      968,734       61.54
其中:票据贴现        59,742        3.06      26,930       1.49        33,364        2.12
个人贷款和垫款       710,411       36.44     654,681       36.12      605,529       38.46
合计                 1,949,336     100.00    1,812,666    100.00     1,574,263      100.00

    其中,个人贷款和垫款的结构分布如下:

                                                                  (单位:人民币百万元)
                       2015 年 6 月 30 日     2014 年 12 月 31 日       2013 年 12 月 31 日
        项目
                       金额        占比(%)     金额      占比(%)         金额      占比(%)
小微企业贷款         410,168       57.74     410,139       62.65      408,891       67.53
信用卡透支           165,908       23.35     147,678       22.56      113,298       18.71
住房贷款              88,622       12.47      69,606       10.63       62,096       10.25
其他                  45,713        6.44      27,258       4.16        21,244        3.51
合计                 710,411       100.00    654,681      100.00      605,529       100.00


       存拆放同业及其他金融机构款项和买入返售金融资产

    截至报告期末,本集团存拆放同业及其他金融机构款项和买入返售金融资产余额合计9,225.56

亿元,比上年末减少52.00亿元,降幅0.56%;在资产总额中的占比为21.45%,比上年末略有下降,

下降1.66个百分点。

    交易和银行账户投资
    截至报告期末,本集团交易和银行账户投资净额为 7,451.90 亿元,比上年末增加 1,470.26 亿
元,增幅 24.58%,主要由于本集团积极调整业务结构,加大投资业务投入。


    3.3.2 负债
    截至报告期末,本集团负债总额为 40,127.60 亿元,比上年末增加 2,453.80 亿元,增幅 6.51%。
    本集团负债总额的构成情况如下:
                                                                   (单位:人民币百万元)
                          2015 年 6 月 30 日   2014 年 12 月 31 日   2013 年 12 月 31 日
          项目
                          金额      占比(%)   金额      占比(%)   金额      占比(%)
吸收存款                2,632,680      65.61  2,433,810     64.60   2,146,689     71.04
同业及其他金融机构
存拆入款项和卖出回      1,003,638       25.01      975,010       25.88       638,244      21.12
购金融资产款
应付债券                 180,901        4.51       129,279        3.43        91,968       3.04
向中央银行及其他金
                         110,610        2.76       149,592        3.97        81,835       2.71
融机构借款
其他                     84,931         2.11        79,689        2.12        63,187       2.09
合计                    4,012,760      100.00     3,767,380      100.00     3,021,923     100.00

      吸收存款
      截至报告期末,本集团吸收存款总额为26,326.80亿元,比上年末增加1,988.70亿元,增幅

8.17%,占负债总额的65.61%。从客户结构看,公司存款占比78.68%,个人存款占比20.97%,其

他存款占比0.35%;从期限结构看,活期存款占比30.37%,定期存款占比69.28%,其他存款占比

0.35%。

                                                                          (单位:人民币百万元)
                      2015 年 6 月 30 日         2014 年 12 月 31 日         2013 年 12 月 31 日
       项目
                      金额          占比(%)       金额        占比(%)      金额       占比(%)
公司存款            2,071,401         78.68     1,884,081       77.41      1,629,503      75.91
      活期存款       667,686         25.36      707,374         29.06       677,725       31.57
      定期存款      1,403,715        53.32      1,176,707       48.35       951,778       44.34
个人存款             552,031         20.97      539,173         22.15       510,944       23.80
      活期存款       131,890         5.01       137,342         5.64        132,703        6.18
      定期存款       420,141         15.96      401,831         16.51       378,241       17.62
汇出及应解汇款        5,194          0.20        4,858          0.20         4,258         0.20
发行存款证            4,054          0.15        5,698          0.24         1,984         0.09
合计                2,632,680       100.00      2,433,810      100.00      2,146,689     100.00


      同业及其他金融机构存拆入款项和卖出回购金融资产款
      截至报告期末,本集团同业及其他金融机构存拆入款项和卖出回购金融资产款为 10,036.38
亿元,比上年末增加 286.28 亿元,增幅 2.94%。
      应付债券
      截至报告期末,本集团应付债券 1,809.01 亿元,比上年末增加 516.22 亿元,增幅 39.93%。


3.4    股东权益


      截至报告期末,本集团股东权益总额2,883.13亿元,比上年末增加405.57亿元,增幅16.37%,

其中,归属于母公司股东权益总额2,802.79亿元,比上年末增加401.37亿元,增幅16.71%。主要是
由于本集团净利润的增长和可转债转股带来的股东权益增加。

                                                                    (单位:人民币百万元)
             项目              2015 年 6 月 30 日   2014 年 12 月 31 日     增幅(%)
股本                                36,485                34,153               6.83
资本公积                            64,756                49,949               29.64
其他综合收益                         -167                  -400              两期为负
盈余公积                            23,460                17,077               37.38
一般风险准备                        53,002                49,344               7.41
未分配利润                          102,743               90,019               14.13
归属于母公司股东权益合计            280,279              240,142               16.71
少数股东权益                         8,034                7,614                5.52
合计                                288,313              247,756               16.37




四 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、会计估计发生变化的,公司应当说明情况、原因及其影
    响。

    □适用 √不适用


4.2 报告期内发生重大会计差错更正需追溯重述的,公司应当说明情况、更正金额、原因及其影
    响。

    □适用 √不适用


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,公司应当作出具体说明。


    本年度新纳入合并范围的子公司为民生商银国际控股有限公司(简称“民银国际”)。

    民银国际注册地为中国香港,成立日期为 2015 年 2 月 11 日,注册资本为港币 20 亿元(折合

人民币 16.14 亿元)。本行出资总额为港币 20 亿元(折合人民币 16.14 亿元)。本行持有股份比例

为 100.00%,本行持有表决权比例为 100.00%。



4.4 半年度财务报告已经审计,并被出具非标准审计报告的,董事会、监事会应当对涉及事项作
    出说明。

    □适用 √不适用