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2019年09月17日 星期二

中国平安(601318)公告正文

中国平安:平安银行股份有限公司2016年半年度报告摘要

公告日期:2016-08-12

           平安银行股份有限公司 2016 年半年度报告摘要


    一、重要提示

    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

于巨潮资讯网或深圳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。

    2、公司简介

 股票简称                        平安银行                   股票代码                  000001

 变更后的股票简称(如有)          无

 股票上市交易所                  深圳证券交易所

 联系人和联系方式                董事会秘书                            证券事务代表

 姓名                            周强                                  吕旭光

 电话                            (0755)82080387                      (0755)82080387

 传真                            (0755)82080386                      (0755)82080386

 电子信箱                        pabdsh@pingan.com.cn                  pabdsh@pingan.com.cn


    二、主要财务数据及股东变化
    (一)主要财务数据

    公司是否因会计政策变更及会计差错更正等追溯调整或重述以前年度会计数据

    □是    √否

    1、主要会计数据和财务指标

                                                                            (货币单位:人民币百万元)
                                                  2016 年       2015 年         2015 年     本期同比
                    项   目
                                                   1-6 月        1-6 月         1-12 月       增减
营业收入                                             54,769        46,575          96,163      17.59%
资产减值损失前营业利润                               36,156        28,190          59,380      28.26%
资产减值损失                                         20,000        12,923          30,485      54.76%
营业利润                                             16,156        15,267          28,895       5.82%
利润总额                                             16,154        15,259          28,846       5.87%
净利润                                               12,292        11,585          21,865       6.10%
扣除非经常性损益后的净利润                           12,294        11,591          21,902       6.07%

                                              1
每股收益:
基本每股收益(元)                                              0.72               0.70                1.30        2.86%
稀释每股收益(元)                                              0.72               0.70                1.30        2.86%
扣除非经常性损益后的基本每股收益(元)                          0.72               0.70                1.30        2.86%
现金流情况:
经营活动产生的现金流量净额                                  (33,198)           182,522            (1,826)      (118.19%)
每股经营活动产生的现金流量净额(元)                          (1.93)             10.63             (0.11)      (118.16%)
                                                          2016 年          2015 年           2014 年          期末比上年
                       项   目
                                                         6 月 30 日       12 月 31 日       12 月 31 日         末增减
资产总额                                                  2,800,983           2,507,149       2,186,459           11.72%
股东权益                                                    191,700            161,500           130,949          18.70%
归属于普通股股东的股东权益                                  171,747            161,500           130,949           6.34%
归属于普通股股东的每股净资产(元)                             10.00               9.41                7.96        6.27%

    注:本行 2015 年度利润分配方案在 2016 年上半年实施完毕,以本行 2015 年 12 月 31 日的总股本 14,308,676,139

股为基数,向全体股东每 10 股派发现金股利人民币 1.53 元(含税),并以资本公积金向全体股东每 10 股转增 2 股。

    根据《公开发行证券的公司信息披露编报规则第 9 号——净资产收益率和每股收益的计算及披露(2010 年修订)》

的规定,需按调整后的股数重新计算各比较期间的每股收益。上表各比较期的每股收益、每股经营活动产生的现金

流量净额、归属于普通股股东的每股净资产均按调整后的股数重新计算。



    截至披露前一交易日的公司总股本
截至披露前一交易日的公司总股本(股)                                            17,170,411,366
用最新股本计算的全面摊薄每股收益(元/股)                                            0.72



    报告期末至半年度报告披露日股本是否因发行新股、增发、配股、股权激励行权、回购等原因
发生变化且影响所有者权益金额

    □是     √否



    是否存在公司债

    □是     √否



    非经常性损益项目和金额

    √适用     □不适用

                                                                                          (货币单位:人民币百万元)
                       项   目                           2016 年 1-6 月          2015 年 1-6 月          2015 年 1-12 月
非流动性资产处置损益                                                   (8)                       (2)                 (24)
或有事项产生的损失(预计负债)                                            -                        -                  (1)
除上述各项之外的其他营业外收入和支出                                      6                      (6)                 (24)

                                                     2
所得税影响                                                                     -                     2                   12
                         合    计                                            (2)                    (6)                (37)

    注:非经常性损益根据《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损益》的定义计算。



     公司报告期不存在将根据《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损

益》定义、列举的非经常性损益项目界定为经常性损益的项目的情形。



     2、盈利能力指标
                                                                                                               (单位:%)
                                                                 2016 年           2015 年     2015 年
                          项    目                                                                            本期同比增减
                                                                  1-6 月           1-6 月      1-12 月
总资产收益率(未年化)                                                0.44             0.45        0.87   -0.01 个百分点
总资产收益率(年化)                                                  0.88             0.90        0.87   -0.02 个百分点
平均总资产收益率(未年化)                                            0.46             0.49        0.93   -0.03 个百分点
平均总资产收益率(年化)                                              0.93             0.97        0.93   -0.04 个百分点
加权平均净资产收益率(未年化)                                        7.35             8.41       14.94   -1.06 个百分点
加权平均净资产收益率(年化)                                         14.25            15.76       14.94   -1.51 个百分点
加权平均净资产收益率(扣除非经常性损益)(未年化)                    7.35             8.42       14.96   -1.07 个百分点
加权平均净资产收益率(扣除非经常性损益)(年化)                     14.25            15.77       14.96   -1.52 个百分点
成本收入比(不含营业税)                                             28.80            32.22       31.31   -3.42 个百分点
信贷成本(年化)                                                      3.11             2.25        2.56   +0.86 个百分点
存贷差                                                                4.71             4.89        4.89   -0.18 个百分点
净利差                                                                2.67             2.57        2.63   +0.10 个百分点
净息差                                                                2.79             2.71        2.77   +0.08 个百分点

    注:信贷成本=当期信贷拨备/当期平均贷款余额(含贴现);净利差=平均生息资产收益率-平均计息负债成本

率;净息差=净利息收入/平均生息资产余额。



     3、吸收存款、发放贷款情况

                                                                                              (货币单位:人民币百万元)
                                                                                                                期末比上年
               项   目               2016 年 6 月 30 日       2015 年 12 月 31 日       2014 年 12 月 31 日
                                                                                                                  末增减
一、吸收存款                                  1,898,348                1,733,921                  1,533,183          9.48%
其中:公司存款                                1,619,383                1,453,590                  1,280,430         11.41%
      零售存款                                 278,965                     280,331                 252,753          (0.49%)
二、发放贷款和垫款总额                        1,358,021                1,216,138                  1,024,734         11.67%
其中:公司贷款                                 901,288                     774,996                 639,739          16.30%
          一般性公司贷款                       861,382                     761,331                 627,326          13.14%
          贴现                                   39,906                      13,665                  12,413        192.03%


                                                          3
     零售贷款                                 293,718             293,402               282,096          0.11%
     信用卡应收账款                           163,015             147,740               102,899         10.34%
发放贷款和垫款减值准备                     (34,086)               (29,266)              (21,097)        16.47%
发放贷款和垫款净值                        1,323,935              1,186,872            1,003,637         11.55%

    根据《中国人民银行关于调整金融机构存贷款统计口径的通知》(银发〔2015〕14 号),从 2015 年开始,非

存款类金融机构存放在存款类金融机构的款项纳入“各项存款”统计口径,存款类金融机构拆放给非存款类金融

机构的款项纳入“各项贷款”统计口径。按前述统计口径,2016 年 6 月 30 日的各项存款为 23,458 亿元、各项贷

款为 14,036 亿元。



     4、补充指标
                                                                                                   (单位:%)
                 项   目               标准值      2016 年6 月30 日     2015 年12 月31 日     2014 年12 月31 日
                  人民币                ≥25                  53.80                 52.14                 52.51
流动性比例        外币                  ≥25                  81.01                103.30                 82.49
                  本外币                ≥25                  54.36                 54.29                 53.21
含贴现存贷款比例(本外币)             不适用                 70.01                 69.01                 65.39
流动性覆盖率                            ≥80                 120.49                140.82                 80.25

根据《商业银行    资本充足率           ≥10.5                 11.82                 10.94                 10.86
资本管理办法      一级资本充足率        ≥8.5                  9.55                   9.03                  8.64
(试行)》        核心一级资本充足率    ≥7.5                  8.49                   9.03                  8.64
单一最大客户贷款占资本净额比率          ≤10                   4.05                   3.46                  2.93
最大十家客户贷款占资本净额比率         不适用                 24.15                 20.16                 19.77
累计外汇敞口头寸占资本净额比率          ≤20                   0.14                   1.71                  0.52
正常类贷款迁徙率                       不适用                  3.48                   6.92                  4.74
关注类贷款迁徙率                       不适用                 17.70                 29.13                 20.16
次级类贷款迁徙率                       不适用                 29.66                 49.42                 55.68
可疑类贷款迁徙率                       不适用                 70.93                 85.27                 98.29
成本收入比(不含营业税)               不适用                 28.80                 31.31                 36.33
不良贷款率                              ≤5                    1.56                   1.45                  1.02
拨备覆盖率                             不适用                160.82                165.86                200.90
拨贷比                                 不适用                  2.51                   2.41                  2.06

    注:监管指标根据监管口径列示。

    根据《商业银行流动性风险管理办法(试行)》要求,商业银行的流动性覆盖率应当于 2018 年底前达到 100%;

在过渡期内,应当于 2014 年底、2015 年底、2016 年底及 2017 年底前分别达到 60%、70%、80%、90%。




                                                        4
                  (二)前 10 名普通股股东持股情况表
                                                                                                   (单位:股)
 报告期末普通股股东
                                      340,528 户                    报告期末表决权恢复的优先股股东总数                         -
           总数
前 10 名股东持股情况
                                      持股                                                                           质押或冻结情况
                                                                  报告期内       持有有限售条      持有无限售条
         股东名称         股东性质    比例         持股总数
                                                                       增减       件股份数量        件股份数量     股份状态        数量
                                      (%)
中国平安保险(集团)
股份有限公司-集团本     境内法人      49.56   8,510,493,066     1,418,415,511   2,539,057,247     5,971,435,819           -                 -
级-自有资金
中国平安人寿保险股份
                         境内法人       6.11   1,049,462,784      174,910,464                  0   1,049,462,784           -                 -
有限公司-自有资金
中国证券金融股份有限
                         境内法人       2.79       479,370,768     51,538,009                  0    479,370,768            -                 -
公司
中国平安人寿保险股份
有限公司-传统-普通     境内法人       2.27       389,735,963     64,955,994                  0    389,735,963            -                 -
保险产品
中央汇金资产管理有限
                         境内法人       1.26       216,213,000     36,035,500                  0    216,213,000            -                 -
责任公司
深圳中电投资股份有限
                         境内法人       1.13       194,351,938     29,891,990                  0    194,351,938            -                 -
公司

葛卫东                   境内自然人     0.75       128,275,200     -58,385,800                 0    128,275,200     质押       126,835,200

东海瑞京资管-浦发银
行-东海瑞京-浦发银
                         境内法人       0.52        89,314,735     89,314,735                  0     89,314,735            -                 -
行-瑞龙 18 号专项资
产管理计划
天治基金-民生银行-
天治平安 1 号资产管理    境内法人       0.50        86,709,722     86,709,722                  0     86,709,722            -                 -
计划
工银瑞信基金-农业银
行-工银瑞信中证金融     境内法人       0.37        63,731,160     15,177,460                  0     63,731,160            -                 -
资产管理计划

                         1、中国平安人寿保险股份有限公司为中国平安保险(集团)股份有限公司控股子公司和一致行动人,“中国
上述股东关联关系或一     平安保险(集团)股份有限公司-集团本级-自有资金”、“中国平安人寿保险股份有限公司-自有资金”与
致行动的说明             “中国平安人寿保险股份有限公司-传统-普通保险产品”具有关联关系。
                         2、本行未知其他股东间的关联关系,也未知其是否属于一致行动人。

参与融资融券业务股东情况说明   无




                                                                   5
       (三)前 10 名优先股股东持股情况表
       √适用   □不适用
报告期末优先股股东总数                                               15
                           持 5%以上优先股股份的股东或前 10 名优先股股东持股情况
                                                              报告期末持 报告期内增减         质押或冻结情况
          股东名称             股东性质        持股比例
                                                                 股数量       变动情况      股份状态     数量
中国平安人寿保险股份有限公
                               境内法人          29.00         58,000,000         -             -          -
司-分红-个险分红
中国平安人寿保险股份有限公
                               境内法人          19.34         38,670,000         -             -          -
司-万能-个险万能
中国平安财产保险股份有限公
                               境内法人           9.67         19,330,000         -             -          -
司-传统-普通保险产品
中邮创业基金-华夏银行-华
                               境内法人           8.95         17,905,000         -             -          -
夏银行股份有限公司
交银施罗德资管-交通银行-
                               境内法人           8.95         17,905,000         -             -          -
交通银行股份有限公司
中国银行股份有限公司上海市
                               境内法人           4.47          8,930,000         -             -          -
分行

中国邮政储蓄银行股份有限公司   境内法人           2.98          5,950,000         -             -          -
华润深国投信托有限公司-投
                               境内法人           2.98          5,950,000         -             -          -
资 1 号单一资金信托
华宝信托有限责任公司-投资
                               境内法人           2.98          5,950,000         -             -          -
2 号资金信托
招商财富-邮储银行-中国邮
                               境内法人           2.98          5,950,000         -             -          -
政储蓄银行股份有限公司

                                           1、中国平安人寿保险股份有限公司和中国平安财产保险股份有限公司均为
                                           中国平安保险(集团)股份有限公司控股子公司和一致行动人,“中国
                                           平安保险(集团)股份有限公司-集团本级-自有资金”、“中国平安人
前 10 名优先股股东之间,前 10 名优先股股
                                           寿保险股份有限公司-自有资金”、“中国平安人寿保险股份有限公司-
东与前 10 名普通股股东之间存在关联关系
                                           传统-普通保险产品”、“中国平安人寿保险股份有限公司-分红-个险分
或一致行动人的说明
                                           红”、“中国平安人寿保险股份有限公司-万能-个险万能”与“中国平安财产
                                           保险股份有限公司-传统-普通保险产品”具有关联关系。
                                           2、本行未知其他股东间的关联关系,也未知其是否属于一致行动人。



       (四)报告期内本行控股股东或实际控制人变动情况

       □适用   √不适用

       报告期内,本行控股股东未发生变动,中国平安保险(集团)股份有限公司为本行的控股股

东。

       本行无实际控制人。

                                                         6
    三、管理层讨论与分析

    (一)总体经营情况概述

    2016 年上半年,国内宏观经济在多重压力下运营平稳,各项经济指标企稳,以结构性改革为

核心的供给侧改革得到有序推进。在宏观经济结构调整的大趋势下,银行业面临考验,资产配置

压力加大、利差收窄、新金融分流等不利冲击将在一定时期内持续存在。

    面对复杂的经济、经营形势,本行保持战略定力,深化战略转型,推进实施以“提质增效”

为核心的二次转型,在保持“专业化、集约化、综合金融、互联网金融”经营特色的同时,加快

推动分行转型和事业部改革,努力打造“精品金融”、“智慧金融”和“生态金融”三张名片,

强化风险管控。在前三年快速发展带来的高基数平台上,本行上半年各项业务保持平稳增长。

    1、规模协调发展

    截至 2016 年 6 月 30 日,本行总资产 28,009.83 亿元,较年初增长 11.72%。本行积极适应市

场环境变化,营销优质客户与优质项目,加大贷款投放力度,发放贷款和垫款总额(含贴现)

13,580.21 亿元,较年初增长 11.67%。吸收存款余额 18,983.48 亿元,较年初增长 9.48%。为对冲

上年数次降息的影响,本行遵循资产负债协调发展的思路,持续运用负债管理模型配置负债,活

期存款占比提升,负债成本有序下降,上半年计息负债平均成本 2.23%、同比下降 0.93 个百分点,

净利差、净息差同比分别提升 0.10、0.08 个百分点。

    伴随金融新业态的快速发展,本行持续增加在互联网平台建设的投入,继续做大做强资产托

管、代客理财等业务。截至 2016 年 6 月 30 日,托管资产规模 4.75 万亿元、较年初增幅 28.73%;

表内外理财规模 9,589.52 亿元、较年初增幅 29.27%,其中表外理财规模 7,312.90 亿元、较年初增

幅 45.70%。

    2、盈利保持稳定

    2016 年上半年,本行实现营业收入 547.69 亿元,同比增长 17.59%;受益于银行卡、理财、

资产托管、代理(含黄金租赁)等业务的快速发展,上半年全行实现非利息净收入 185.73 亿元、

同比增幅 20.16%,非利息净收入占比为 33.91%、同比提升 0.72 个百分点;准备前营业利润 361.56

亿元、同比增长 28.26%;受资产减值损失增加的影响,净利润 122.92 亿元、同比增长 6.10%。

本行自 2016 年 5 月 1 日起执行营业税改增值税政策(以下称营改增),对收入实施价税分离,使

营业收入比原口径下降;还原营改增前的营业收入为 560.96 亿元、同比增幅 20.44%。

    本行推进精细化的成本管控,投入产出效率持续优化,2016 年上半年成本收入比 28.80%,同

比下降 3.42 个百分点,较 2015 年度下降 2.51 个百分点,优化幅度处于同业领先水平。

    3、专业化优势显现

    本行持续推进投行资管、离岸业务、零售业务发展,加快物联网金融、互联网金融平台建设,

专业化优势逐步显现。

    本行借助国家实体经济转型升级的结构性机遇,大力发展产业基金,带动负债业务和非利息
                                            7
净收入的增长;托管业务实现跨越式发展,上半年实现托管费收入 20.00 亿元,同比增幅 31.67%。

离岸业务推进中概股私有化退市融资、海外并购贷款、海外项目融资、境外发行企业债券认购等

一批重点项目,主要指标居同业前列。零售大事业部管理个人客户资产 7,200 亿元、较年初增幅

8.52%;零售客户数 3,543.44 万户,较年初增长 11.57%;信用卡新增发卡 450.86 万张、同比增长

66.06%;累计流通户数 2,029.19 万户,较年初增长 15.78%;总交易金额达到 5,290.54 亿元,同比

增长 47.78%;信用卡贷款余额 1,630.15 亿元,较年初增长 10.34%。

    本行物联网金融系统一期现货融资模块已整体投产上线,开始全方位打造物联网金融业态。

期末“橙 e 网”注册客户数达 228 万户,较年初增幅 40%;“行 E 通”同业综合金融服务平台产

品不断丰富,交易量超 2 万亿元,已成为业内交易规模领先的金融资产交易平台,合作客户 1,111

家、较年初新增约 600 户;“平安橙子”用户 773.52 万户、较年初增长 52.74%。

    4、资产质量风险可控

    受外部环境影响,部分企业经营困难,银行业资产质量下行压力继续加大。截至 2016 年 6 月

30 日,本行不良贷款率 1.56%,较年初上升 0.11 个百分点;贷款拨备覆盖率 160.82%,较年初下

降 5.04 个百分点。本行已通过一系列措施,压缩产能过剩等领域风险资产,加大优质公司贷款、

信用卡应收账款等低风险资产投放,管好存量、严控增量;加大不良资产清收处置力度,上半年

共清收不良资产 26.43 亿元;加大拨备及核销力度,拨贷比 2.51%,较年初上升 0.10 个百分点。

    5、夯实发展基础

    本行推进资本补充,3 月非公开发行 200 亿元优先股、4 月发行 100 亿元二级资本债券,分别

用于补充其他一级资本和二级资本,为业务发展提供保障。

    本行合理配置网点布局,截至 2016 年 6 月 30 日共有 58 家分行、1,037 家营业机构,其中 2016

年上半年新增 4 家分行级营业机构(合肥、湖州、泰州、绵阳分行)。



    (二)利润表项目分析

    1、营业收入构成及变动情况
                                                                        (货币单位:人民币百万元)
                                      2016 年 1-6 月             2015 年 1-6 月           本期同比
             项   目
                                    金额             占比      金额           占比          增减

利息净收入                            36,196         66.09%     31,118         66.81%       16.32%
   存放央行利息收入                    2,069           3.25%     2,067            3.14%       0.10%
   金融企业往来利息收入                4,693           7.38%     6,311            9.58%    (25.64%)
   其中:存放同业利息收入              2,686           4.23%     1,785            2.71%      50.48%
         拆放同业利息收入                  671         1.06%          296         0.45%     126.69%
   发放贷款和垫款利息收入             42,044          66.14%    42,127         63.96%       (0.20%)
   投资利息收入                       14,631          23.02%    15,136         22.98%       (3.34%)


                                                 8
   其他利息收入                                    131          0.21%         223           0.34%       (41.26%)
   利息收入小计                               63,568         100.00%       65,864        100.00%         (3.49%)
   向中央银行借款利息支出                          456          1.67%         128           0.37%       256.25%
   金融企业往来利息支出                        4,126           15.07%      10,599          30.50%       (61.07%)
   吸收存款利息支出                           18,440           67.37%      21,940          63.14%       (15.95%)
   应付债券利息支出                            4,350           15.89%       2,079           5.99%       109.24%
   利息支出小计                               27,372         100.00%       34,746        100.00%        (21.22%)
手续费及佣金净收入                            16,448          30.03%       13,722         29.46%         19.87%
其他营业净收入                                 2,125           3.88%        1,735          3.73%         22.48%
营业收入总额                                  54,769         100.00%       46,575        100.00%         17.59%



       2、利息净收入

       2016 年上半年,本行实现利息净收入 361.96 亿元,同比增长 16.32%,占营业收入的 66.09%。

       主要资产、负债项目的日均余额以及平均收益率或平均成本率的情况

                                                                                   (货币单位:人民币百万元)
                                        2016 年 1-6 月                               2015 年 1-6 月
         项   目                          利息收入/      平均收益/                     利息收入/      平均收益/
                          日均余额                                      日均余额
                                            支出             成本率                      支出          成本率
资产
发放贷款和垫款
                            1,248,513         41,870            6.74%    1,103,669         41,869         7.65%
(不含贴现)
债券投资                     340,022            5,674           3.36%     268,592            5,273        3.96%
存放央行                     281,121            2,069           1.48%     285,480            2,067        1.46%
票据贴现及同业业务           732,444          13,824            3.80%     654,459          16,432         5.06%
其他                           5,774               131          4.56%       7,091               223       6.34%
生息资产总计                2,607,874         63,568            4.90%    2,319,291         65,864         5.73%
负债
吸收存款                    1,830,772         18,440            2.03%    1,600,781         21,940         2.76%
发行债券                     253,666            4,350           3.45%      82,390            2,079        5.09%
    其中:同业存单           229,100            3,586           3.15%      62,275            1,404        4.55%
同业业务                     380,472            4,582           2.42%     531,429          10,727         4.07%
计息负债总计                2,464,910         27,372            2.23%    2,214,600         34,746         3.16%
利息净收入                                    36,196                                       31,118
存贷差                                                         4.71%                                      4.89%
净利差 NIS                                                     2.67%                                      2.57%
净息差 NIM                                                     2.79%                                      2.71%

       受 2016 年 5 月 1 日起金融业实施营改增政策的影响,加之上年央行数次降息,本行上半年各

项生息资产、付息负债平均利率同比下降。但受益于资产负债结构持续优化,本行利率较低的基

                                                         9
础性存款负债规模占比提升、同业负债的平均利率也有较大幅度的下降,付息负债成本整体下降

较多,净利差、净息差分别同比提升 0.10、0.08 个百分点。



       3、手续费及佣金净收入

       2016 年上半年,本行手续费及佣金净收入 164.48 亿元、同比增长 19.87%,主要来自银行卡、

理财、资产托管、代理(含黄金租赁)等业务手续费收入的持续增加。具体情况如下:

                                                                           (货币单位:人民币百万元)
            项   目               2016 年 1-6 月         2015 年 1-6 月              本期同比增减
结算手续费收入                                 1,162                      1,045                 11.20%
理财业务手续费收入                             2,424                      1,584                 53.03%
代理及委托手续费收入                           3,182                      2,409                 32.09%
银行卡业务手续费收入                           5,652                      4,030                 40.25%
咨询顾问费收入                                 2,059                      3,676               (43.99%)
资产托管手续费收入                             2,000                      1,519                 31.67%
账户管理费收入                                     90                       78                  15.38%
其他                                           1,531                       620                 146.94%
手续费收入小计                                18,100                  14,961                   20.98%
代理业务手续费支出                                 261                     137                  90.51%
银行卡手续费支出                               1,249                       992                  25.91%
其他                                               142                     110                  29.09%
手续费支出小计                                 1,652                      1,239                33.33%
手续费及佣金净收入                            16,448                  13,722                   19.87%



       4、其他营业净收入

       其他营业净收入包括投资收益、公允价值变动损益、汇兑损益及其他业务收入。2016 年上半

年,本行其他营业净收入 21.25 亿元,同比增幅 22.48%,主要因汇率波动带来汇兑损益增加。


       5、业务及管理费

       2016 年上半年,本行营业费用 157.74 亿元,同比增长 5.12%,成本收入比(不含营业税)28.80%,

同比下降 3.42 个百分点。营业费用的增长主要是网点增加、业务规模增长及管理的持续投入所致。

本行 2015 年新增 11 家分行(其中 1 家为支行升级分行)、2 家专营机构、237 家支行级机构,2016

年上半年新增 40 家营业机构(含 4 家分行、36 家支行级机构),机构扩张带来营业费用的刚性增

长。营业费用中,员工费用 79.35 亿元,同比降幅 5.19%;一般业务管理费用 56.81 亿元,同比增

长 22.22%;折旧、摊销和租金支出为 21.58 亿元,同比增长 8.55%。




                                                    10
       6、计提的资产减值损失

                                                                               (货币单位:人民币百万元)
               项    目              2016 年 1-6 月             2015 年 1-6 月                 本期同比增减
存放同业款项                                            46                         8                     475.00%
拆出资金                                               (3)                          -                             -
买入返售金融资产                                         -                        (1)                    100.00%
发放贷款和垫款                                   19,714                        12,624                     56.16%
可供出售金融资产                                        16                          -                             -
持有至到期投资                                           -                         1                    (100.00%)
应收款项类投资                                        140                        265                     (47.17%)
抵债资产                                                28                        25                      12.00%
其他                                                    59                         1                    5800.00%
合计                                             20,000                        12,923                     54.76%



       7、所得税费用

                                                                               (货币单位:人民币百万元)
                项    目             2016 年 1-6 月             2015 年 1-6 月                 本期同比增减
税前利润                                         16,154                     15,259                        5.87%
所得税费用                                        3,862                        3,674                      5.12%
实际所得税税赋                                  23.91%                     24.08%                  -0.17 个百分点



        8、现金流

       2016 年上半年,本行调整同业负债结构,增加了筹资活动中同业存单的资金流入,减少了经

营活动中同业存放款项的现金流入,经营活动产生的现金流量净额-331.98 亿元、降幅 118.19%,

筹资活动产生的现金流量净额 1,074.55 亿元、增幅 49.89%。投资活动产生的现金流量净额-1,239.01

亿元、降幅 148.23%,主要是因债权投资支付的现金流出增加。



       (三)资产负债表项目分析

       1、资产构成及变动情况
                                                                                 (货币单位:人民币百万元)
                                   2016 年 6 月 30 日               2015 年 12 月 31 日              期末比上年
               项    目
                                  余额            占比             余额                 占比           末增减

发放贷款和垫款总额                1,358,021           48.48%       1,216,138             48.51%           11.67%
发放贷款和垫款减值准备             (34,086)           (1.22%)       (29,266)             (1.17%)          16.47%
发放贷款和垫款净值                1,323,935           47.26%       1,186,872             47.34%           11.55%
投资类金融资产(注)               765,463            27.33%        603,468              24.07%           26.84%

                                                11
现金及存放中央银行款项                278,178          9.93%      291,715          11.64%        (4.64%)
贵金属                                 92,173          3.29%       63,744           2.54%        44.60%
存放同业款项                          158,130          5.65%      109,046           4.35%        45.01%
拆出资金及买入返售资产                119,232          4.26%      193,927           7.73%       (38.52%)
应收账款                                6,122          0.22%        6,624           0.26%        (7.58%)
应收利息                               14,116          0.50%       13,540           0.54%         4.25%
固定资产                                5,310          0.19%        4,788           0.19%        10.90%
无形资产                                4,741          0.17%        4,961           0.20%        (4.43%)
商誉                                    7,568          0.27%        7,568           0.30%                 -
投资性房地产                                228        0.01%            212         0.01%         7.55%
递延所得税资产                         11,732          0.42%        8,728           0.35%        34.42%
其他资产                               14,055          0.50%       11,956           0.48%        17.56%
资产总额                            2,800,983       100.00%      2,507,149        100.00%        11.72%

    注:“投资类金融资产”含资产负债表项目中的“以公允价值计量且其变动计入当期损益的金融资产、衍生

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、长期股权投资”。



       2、负债结构及变动情况

                                                                              (货币单位:人民币百万元)
                                      2016 年 6 月 30 日          2015 年 12 月 31 日        期末比上年
               项   目
                                     余额           占比         余额             占比         末增减

吸收存款                             1,898,348         72.75%    1,733,921         73.92%         9.48%
向中央银行借款                         41,107          1.58%         3,051          0.13%      1,247.33%
同业及其他金融机构存放款项            258,828          9.92%      311,106          13.26%       (16.80%)
拆入资金                                9,693          0.37%        12,143          0.52%       (20.18%)
以公允价值计量且其变动计入当期
                                       22,739          0.87%         8,506          0.36%       167.33%
损益的金融负债
衍生金融负债                           19,549          0.75%         4,037          0.17%       384.25%
卖出回购金融资产款                          300        0.01%        11,000          0.47%       (97.27%)
应付职工薪酬                            9,901          0.38%        10,351          0.44%        (4.35%)
应交税费                                6,491          0.25%         6,571          0.28%        (1.22%)
应付利息                               20,715          0.79%        23,253          0.99%       (10.91%)
应付债券                              307,603          11.79%     212,963           9.08%        44.44%
其他(注)                             14,009          0.54%         8,747          0.38%        60.16%
负债总额                             2,609,283      100.00%      2,345,649        100.00%        11.24%

    注:其他负债含报表项目中“应付账款、预计负债、其他负债”。




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       3、股东权益变动情况

                                                                              (货币单位:人民币百万元)
               项    目             年初数                本期增加          本期减少           期末数
股本                                     14,309                  2,861                  -           17,170
其他权益工具                                     -              19,953                  -           19,953
    其中:优先股                                 -              19,953                  -           19,953
资本公积                                 59,326                        -         (2,861)            56,465
其他综合收益                            (1,117)                      144                -               (973)
盈余公积                                     8,521                     -                -               8,521
一般风险准备                             27,528                        -                -           27,528
未分配利润                               52,933                 12,292           (2,189)            63,036
    其中:建议分配的股利                     2,189                     -         (2,189)                    -
股东权益合计                            161,500                 35,250           (5,050)           191,700



       四、涉及财务报告的相关事项
       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情况说明
       □ 适用      √不适用
       2、报告期内发生重大会计差错更正需追溯重述的情况说明
       □ 适用      √不适用
       3、与上年度财务报告相比,合并报表范围发生变化的情况说明
       □ 适用      √不适用
       4、董事会、监事会对会计师事务所本报告期“非标准审计报告”的说明
       □ 适用      √不适用




                                                                           平安银行股份有限公司董事会

                                                                                       2016 年 8 月 12 日




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