新闻源 财富源

2019年09月21日 星期六

中国平安(601318)公告正文

中国平安:平安银行股份有限公司2016年第三季度报告

公告日期:2016-10-21

                             平安银行股份有限公司
                              2016年第三季度报告


                                     一、重要提示

    1.1 本行董事会、监事会及董事、监事、高级管理人员保证本报告内容的真实、准确、完整,
不存在虚假记载、误导性陈述或者重大遗漏,并承担个别和连带的法律责任。
    1.2 本行第九届董事会第二十四次会议审议了 2016 年第三季度报告。本次董事会会议应出席董
事 14 人,实到董事 14 人。会议一致同意此报告。
    1.3 本行董事长孙建一、行长邵平、副行长兼首席财务官陈蓉、会计机构负责人韩旭保证 2016
年第三季度报告中财务报表的真实、准确、完整。
    1.4 本行本季度财务报表未经审计,普华永道中天会计师事务所(特殊普通合伙)对个别项目
及财务报表编制流程执行了商定程序。
    1.5 释义
               释义项           指                               释义内容
                                     深圳发展银行股份有限公司(“深圳发展银行”或“深发展”)以吸
平安银行、本行                  指   收合并原平安银行股份有限公司(“原平安银行”)的方式完成两行
                                     整合并更名后的银行
                                     成立于 1987 年 12 月 22 日的全国性股份制商业银行,吸收合并原平
深圳发展银行、深发展            指
                                     安银行后更名为平安银行
                                     成立于 1995 年 6 月的跨区域经营的股份制商业银行,于 2012 年 6
原平安银行                      指
                                     月 12 日注销登记
中国平安                        指   中国平安保险(集团)股份有限公司




                                             1
       二、主要财务数据及股东变化

       2.1 主要会计数据和财务指标
       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
                                                                                        (货币单位:人民币百万元)
                                                                                                       期末比上年末
                   项 目                       2016 年 9 月 30 日             2015 年 12 月 31 日
                                                                                                           增减
总资产                                                        2,791,238                    2,507,149          11.33%
股东权益                                                       198,228                      161,500           22.74%
归属于普通股股东的股东权益                                     178,275                      161,500           10.39%
股本                                                            17,170                       14,309           19.99%
归属于普通股股东的每股净资产(元)                               10.38                          9.41          10.31%

                   项 目                     2016 年 7-9 月        同比增减         2016 年 1-9 月      同比增减
营业收入                                             27,199               10.67%              81,968          15.20%
净利润                                                6,427               4.42%               18,719           5.52%
扣除非经常性损益后的净利润                            6,413               4.06%               18,707           5.37%
经营活动产生的现金流量净额                          不适用                不适用           (152,942)       (266.27%)
每股经营活动产生的现金流量净额(元)                不适用                不适用              (8.91)       (266.23%)
基本每股收益(元)                                     0.37               2.78%                 1.09           2.83%
稀释每股收益(元)                                     0.37               2.78%                 1.09           2.83%
扣除非经常性损益后的基本每股收益(元)                 0.37               2.78%                 1.09           2.83%
平均总资产收益率(未年化)                           0.23%       -0.01 个百分点               0.71%    -0.03 个百分点
平均总资产收益率(年化)                             0.92%       -0.03 个百分点               0.94%    -0.05 个百分点
加权平均净资产收益率(未年化)                       3.67%       -0.33 个百分点              11.02%    -1.37 个百分点
加权平均净资产收益率(年化)                        14.43%       -1.25 个百分点              14.45%    -1.61 个百分点
扣除非经常性损益后的加权平均净资产收
                                                     3.67%       -0.33 个百分点              11.01%    -1.39 个百分点
益率(未年化)
扣除非经常性损益后的加权平均净资产收
                                                    14.40%       -1.30 个百分点              14.44%    -1.64 个百分点
益率(年化)

       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。




                                                         2
                                                                                         (货币单位:人民币百万元)
            项     目               2016 年 9 月 30 日   2015 年 12 月 31 日   2014 年 12 月 31 日   期末比上年末增减

吸收存款                                    1,912,878             1,733,921             1,533,183              10.32%

其中:公司存款                               1,630,968            1,453,590             1,280,430              12.20%

      零售存款                                281,910               280,331               252,753               0.56%

发放贷款和垫款总额                          1,430,514             1,216,138             1,024,734              17.63%

其中:公司贷款                                948,416               774,996               639,739              22.38%

            一般性公司贷款                    911,813               761,331               627,326              19.77%

            贴现                               36,603                13,665                12,413             167.86%

      零售贷款                                311,832               293,402               282,096               6.28%

      信用卡应收账款                          170,266               147,740               102,899              15.25%

发放贷款和垫款减值准备                        (36,660)             (29,266)              (21,097)              25.26%

发放贷款和垫款净值                           1,393,854            1,186,872             1,003,637              17.44%

    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 9 月 30 日的各项存款为 23,884 亿元、各项贷款为 14,545

亿元。



     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,1-9 月累计)                                                              1.09



     报告期末至季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


     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 1-9 月

非流动性资产处置损益                                                                                               (8)

或有事项产生的损失                                                                                                  1

除上述各项以外的其他营业外收入和支出                                                                               23

以上调整对所得税的影响                                                                                             (4)

                          合   计                                                                                  12


                                                           3
  注:非经常性损益根据证监会《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。


         2.2 补充财务比率
                                                                                                            (单位:%)
                        指标                   标准值        2016 年9 月30 日       2015 年12 月31 日       2014 年12 月31 日
  资本充足率                                    ≥10.5                    11.97                   10.94                10.86
  一级资本充足率                                ≥8.5                      9.67                    9.03                    8.64
  核心一级资本充足率                            ≥7.5                      8.64                    9.03                    8.64
  不良贷款率                                     ≤5                       1.56                    1.45                    1.02
  拨备覆盖率                                   不适用                    164.39                165.86                 200.90
  拨贷比                                       不适用                      2.56                    2.41                    2.06
  成本收入比(不含营业税,年初至期末)         不适用                     27.70                   31.31                36.33
  存贷差(年初至期末,年化)                   不适用                      4.56                    4.89                    5.01
  净利差(年初至期末,年化)                   不适用                      2.62                    2.63                    2.40
  净息差(年初至期末,年化)                   不适用                      2.73                    2.77                    2.57

         注:监管指标按监管口径列示。



         2.3 报告期末股东总数及前十名股东持股情况表
         2.3.1 普通股股东和表决权恢复的优先股股东总数及前 10 名股东持股情况表
                                                                                                            (单位:股)
                                                                              报告期末表决权恢复的优
              报告期末普通股股东总数(户)                     340,324                                                 -
                                                                              先股股东总数(如有)
前 10 名普通股东持股情况

                                               持股                                                       质押或冻结情况
                                                                                持有有限售条
             股东名称              股东性质    比例           持股总数
                                                                                件股份数量          股份状态         数量
                                               (%)
中国平安保险(集团)股份有限公
                                   境内法人      49.56       8,510,493,066        2,539,057,247              -                    -
司-集团本级-自有资金
中国平安人寿保险股份有限公司
                                   境内法人       6.11       1,049,462,784                    -              -                    -
-自有资金
中国证券金融股份有限公司           境内法人       2.79        479,370,768                     -              -                    -
中国平安人寿保险股份有限公司
                                   境内法人       2.27        389,735,963                     -              -                    -
-传统-普通保险产品
中央汇金资产管理有限责任公司       境内法人       1.26        216,213,000                     -              -                    -
深圳中电投资股份有限公司           境内法人       1.13        194,351,938                     -              -                    -
葛卫东                            境内自然人      0.75        128,275,200                     -      质押         126,835,200



                                                         4
 天治基金-民生银行-天治平安 1
                                       境内法人         0.56          95,493,757                     -              -                 -
 号资产管理计划
 东海瑞京资管-浦发银行-东海
 瑞京-浦发银行-瑞龙 18 号专项        境内法人         0.52          89,314,735                     -              -                 -
 资产管理计划
 阳光人寿保险股份有限公司-分
                                       境内法人         0.39          66,599,906                     -              -                 -
 红保险产品
 前 10 名无限售条件股东持股情况

                                                                   持有无限售条                          股份种类
                          股东名称
                                                                    件股份数量            股份种类                      数量
 中国平安保险(集团)股份有限公司-集团本级-自有资金               5,971,435,819        人民币普通股                   5,971,435,819
 中国平安人寿保险股份有限公司-自有资金                             1,049,462,784        人民币普通股                   1,049,462,784
 中国证券金融股份有限公司                                            479,370,768         人民币普通股                     479,370,768
 中国平安人寿保险股份有限公司-传统-普通保险产品                    389,735,963         人民币普通股                     389,735,963
 中央汇金资产管理有限责任公司                                        216,213,000         人民币普通股                     216,213,000
 深圳中电投资股份有限公司                                            194,351,938         人民币普通股                     194,351,938
 葛卫东                                                              128,275,200         人民币普通股                     128,275,200
 天治基金-民生银行-天治平安 1 号资产管理计划                        95,493,757         人民币普通股                      95,493,757
 东海瑞京资管-浦发银行-东海瑞京-浦发银行-瑞龙 18
                                                                      89,314,735         人民币普通股                      89,314,735
 号专项资产管理计划
 阳光人寿保险股份有限公司-分红保险产品                               66,599,906         人民币普通股                      66,599,906
                                  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,“中国平安保险(集团)股份有限公司-集团本级-自有资金”、“中国平安
 上述股东关联关系或一致行动
                                  人寿保险股份有限公司-自有资金”与“中国平安人寿保险股份有限公司-传统-普通
 的说明
                                  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。
 前 10 名普通股股东参与融资融
                                  无
 券业务股东情况说明(如有)



          公司前 10 名普通股股东、前 10 名无限售条件普通股股东在报告期内是否进行约定购回交易
          □是     √否


          2.3.2 优先股股东总数及前 10 名优先股股东持股情况表
          √适用    □不适用
                                                                                                                        单位:股
报告期末优先股股东总数(户)                                                        15
                                             前 10 名优先股股东持股情况
                                                  持股比例                       持有有限售条             质押或冻结情况
              股东名称                 股东性质                    持股数量
                                                   (%)                         件的股份数量        股份状态                  数量




                                                               5
中国平安人寿保险股份有限公司-分红
                                      境内法人      29.00       58,000,000          -               -            -
-个险分红
中国平安人寿保险股份有限公司-万能
                                      境内法人      19.34       38,670,000          -               -            -
-个险万能
中国平安财产保险股份有限公司-传统
                                      境内法人       9.67       19,330,000          -               -            -
-普通保险产品
中邮创业基金-华夏银行-华夏银行股
                                      境内法人       8.95       17,905,000          -               -            -
份有限公司
交银施罗德资管-交通银行-交通银行
                                      境内法人       8.95       17,905,000          -               -            -
股份有限公司
中国银行股份有限公司上海市分行        境内法人       4.47        8,930,000          -               -            -
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-投资 1 号单
                                      境内法人       2.98        5,950,000          -               -            -
一资金信托
华宝信托有限责任公司-投资 2 号资金
                                      境内法人       2.98        5,950,000          -               -            -
信托
招商财富-邮储银行-中国邮政储蓄银
                                      境内法人       2.98        5,950,000          -               -            -
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,“中国平安人寿保险股份有限公
上述股东关联关系或一致行动的说明      司-分红-个险分红”、“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。

       注:本行已发行的优先股不设限售期,均为无限售条件优先股。




                                                            6
                                          三、重要事项

     3.1 比较式会计报表中变化幅度超过 30%以上项目的分析
     √适用 □不适用

                   项目名称                    变动比率                        变动原因分析
贵金属                                                59.20%    交易性黄金租赁应收款增加
拆出资金                                             (34.53%)   同业业务结构调整
买入返售金融资产                                     (67.90%)   同业业务结构调整
应收款项类投资                                        32.71%    投资规模增加
固定资产                                              54.70%    房屋及建筑物增加
递延所得税资产                                        53.08%    准备金产生的递延所得税资产增加
向中央银行借款                                       249.03%    向中央银行卖出回购债券款增加
以公允价值计量且其变动计入当期损益的金融负债         142.01%    交易性黄金租赁应付款增加
衍生金融负债                                         178.38%    贵金属衍生交易增加
卖出回购金融资产款                                  (100.00%)   卖出回购债券款项减少
应交税费                                              40.63%    应交企业所得税增加
应付账款                                            (100.00%)   基期数小,上年末为 0.44 亿元
应付债券                                              52.81%    发行同业存单等增加

其他负债                                              32.48%    应付代保管及在途清算资金等款项增加

其他权益工具                                          不适用    新增项目,3 月发行优先股

手续费及佣金支出                                      30.92%    银行卡等手续费支出增加

汇兑损益                                       上年同期为负     汇率波动导致汇兑损益增加

营业税金及附加                                       (38.57%)   5 月 1 日起执行营改增政策的影响

资产减值损失                                          58.59%    贷款规模增加,风险抵御能力加强

营业外收入                                           147.62%    基期数小,上年同期为 0.21 亿元



     3.2 重要事项进展情况及其影响和解决方案的分析说明
     3.2.1 非标意见情况
     □适用 √不适用


     3.2.2 公司存在向控股股东或其关联方提供资金、违反规定程序对外提供担保的情况
     □适用 √不适用


     3.2.3 日常经营重大合同的签署和履行情况
     □适用 √不适用



                                                7
             3.2.4 其他重大事项
             □适用 √不适用


             3.3 公司、股东、实际控制人、收购人、董事、监事、高级管理人员或其他关联方在报告期内
         履行完毕及截至报告期末尚未履行完毕的承诺事项
             √适用 □不适用
 承诺     承诺                                                                                                        承诺 履行
                    承诺方                                    承诺内容                                     承诺时间
 事由     类型                                                                                                        期限 情况
                                 中国平安拟以其所持的90.75%原平安银行股份及269,005.23万元现金认购本行非
                             公开发行的1,638,336,654股股份(本次重大资产重组)时承诺:
                                 1、本次重大资产重组完成后,在中国平安作为深发展的控股股东期间,针对中
                             国平安以及中国平安控制的其他企业未来拟从事或实质性获得深发展同类业务或商
                             业机会,且该等业务或商业机会所形成的资产和业务与深发展可能构成潜在同业竞争
         关于同              的情况,中国平安以及中国平安控制的其他企业将不从事与深发展相同或相近的业
                   中国平
         业竞争、            务,以避免与深发展的业务经营构成直接或间接的竞争。
资产重             安保险                                                                                                   正在
         关联交                  2、在本次重大资产重组完成后,就中国平安及中国平安控制的其他企业与深发 2011 年         长
组时所             (集团)                                                                                                  履行
         易及独              展之间发生的构成深发展关联交易的事项,中国平安及中国平安控制的其他企业将遵 7 月 29 日 期
作承诺             股份有                                                                                                   之中
         立性的              循市场交易的公开、公平、公正的原则,按照公允、合理的市场价格与深发展进行交
                   限公司
          承诺               易,并依据有关法律、法规及规范性文件的规定履行决策程序,依法履行信息披露义
                             务。中国平安保证中国平安及中国平安控制的其他企业将不通过与深发展的交易取得
                             任何不正当的利益或使深发展承担任何不正当的义务。
                                 3、本次重大资产重组完成后,在中国平安作为深发展的控股股东期间,将维护
                             深发展的独立性,保证深发展在人员、资产、财务、机构、业务等方面与中国平安以
                             及中国平安控制的其他企业彼此间独立。

                                 中国平安就认购本行非公开发行1,323,384,991股新股承诺,自新增股份上市之日
                             (2014年1月9日)起,三十六个月内不得转让。但是,在适用法律许可的前提下,在       三            正在
                                                                                                      2013年
首次公          中 国 平 中国平安关联机构(即在任何直接或间接控制中国平安、直接或间接受中国平安控制、12月31日 年            履行

开发行          安 保 险 与中国平安共同受他人控制的人)之间进行转让不受此限。锁定期满之后,中国平安           内            之中
         股份限
或再融          ( 集 团 ) 可以按中国证监会和深圳证券交易所的有关规定处置本次发行的股份。
         售承诺
资时所          股份有
                              中国平安就其认购本行非公开发行210,206,652股新股承诺,自新增股份上市之日
作承诺          限公司                                                                                        三            正在
                          (2015年5月21日)起,三十六个月内不得转让。该等股份,在限售期内既不在非关 2015年
                                                                                                              年            履行
                          联企业间出售转让,也不在关联企业间转让处分,也不就该限售股份作出其他任何权 5月21日
                                                                                                              内            之中
                          益处分的安排。

其他对
公司中                           公司并未针对本次优先股发行作出业绩承诺。公司将采取有效措施提高募集资金                     正在
          其他                                                                                             2016年     长
小股东               本行    的使用效率,进一步增强公司盈利能力,尽量减少本次优先股发行对普通股股东回报                     履行
          承诺                                                                                             3月14日    期
所作承                       的影响,充分保护公司股东特别是中小股东的合法权益。                                             之中

承诺是否及时履行                                                                           是

未完成履行的具体原因及下一步计划(如有)                                                 不适用


                                                               8
    3.4 对 2016 年经营业绩的预计
    预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生大幅度变动的警
示及原因说明
    □适用 √不适用


    3.5 其他需说明的重大事项
    3.5.1 本行所持金融债券的情况
    √适用 □不适用
    报告期末,本行所持金融债券(政策性银行债、各类普通金融债、次级金融债,不含企业债)
账面价值为 1,143 亿元,其中面值最大的十只金融债券有关情况如下:
                                                                                             (货币单位:人民币百万元)
           债券名称                    面值              票面年利率(%)                 到期日                减值准备
2010 年政策性银行债券                          3,860                   2.09       2020-2-25                               -
2015 年政策性银行债券                          3,280                   3.85       2018-1-8                                -
2011 年政策性银行债券                          3,030                   2.35       2021-2-17                               -
2016 年商业银行债券                            3,000                   3.25       2021-3-7                                -
2016 年商业银行债券                            3,000                   3.20       2021-3-29                               -
2010 年政策性银行债券                          2,870                   2.02       2017-1-26                               -
2009 年政策性银行债券                          2,420                   2.53       2019-5-19                               -
2011 年政策性银行债券                          2,250                   4.25       2018-3-24                               -
2010 年政策性银行债券                          2,210                   3.53       2017-6-29                               -
2010 年政策性银行债券                          1,880                   1.83       2017-5-6                                -



    3.5.2 本行持有其他上市公司股权情况
    √适用 □不适用
                                                                                             (货币单位:人民币百万元)
                                       期末占该                                    报告期
                            初始投资                   期末         报告期                        会计核算
证券代码      证券简称                 公司股权                                    所有者权                    股份来源
                              金额                     账面值       投资损益                        科目
                                         比例                                      益变动
 400061        长油 5            314      2.72%              423              -         (123)     可供出售     抵债股权
    -         Visa Inc.            -      0.01%                 5             -               1   可供出售     历史投资
  合计                           314                         428              -         (122)



    3.5.3 本行持有非上市金融企业、拟上市公司的情况
    √适用 □不适用
                                                                                             (货币单位:人民币百万元)
           被投资单位名称                     投资金额                   减值准备                       期末净值



                                                         9
中国银联股份有限公司                                       74                          -                        74

SWIFT 会员股份                                             2                           -                         2

城市商业银行资金清算中心                                   1                           -                         1

浙商银行股份有限公司(注)                                   59                          -                        59

                合计                                      136                          -                       136
     注:2014 年,本行以抵债方式获得浙商银行股份有限公司内资股权 1000 万股。



     3.5.4 本行报告期末衍生品投资及持仓情况
     √适用 □不适用
     (1)衍生品投资情况表

                                               本行在董事会确立的风险偏好和市场风险总体限额框架内,开展
报告期衍生品持仓的风险分析及控制措施说明
                                           包括衍生产品的资金交易和投资业务。本行建立了有针对性的风险管
(包括但不限于市场风险、流动性风险、操作风
                                           理和内部控制体系,有效识别、计量、监测、报告和控制衍生品投资
险、法律风险等)
                                           相关风险。

                                                报告期内,本行已投资衍生品公允价值的变动在合理和可控制范
已投资衍生品报告期内市场价格或产品公允价值
                                           围内。本行选择市场参与者普遍认同、且被以往市场实际交易价格验
变动的情况,对衍生品公允价值的分析应披露具
                                           证具有可靠性的估值方法,以及市场可观察参数确定衍生产品公允价
体使用的方法及相关假设与参数的设定
                                           值。

报告期公司衍生品的会计政策及会计核算具体原     本行根据《企业会计准则》制订衍生产品会计政策及会计核算办
则与上一报告期相比是否发生重大变化的说明   法,本报告期相关政策未发生重大变化。

                                               本行衍生品交易业务是经监管机构批准的商业银行业务。本行设
独立董事对公司衍生品投资及风险控制情况的专
                                           置了专门的风险管理机构,建立了有针对性的风险管理体系,有效管
项意见
                                           理衍生品投资业务风险。



     (2)报告期末衍生品投资的持仓情况表
                                                                                  (货币单位:人民币百万元)
                                  年初合约金额                  期末合约金额                 报告期公允价值
         合约种类
                                    (名义金额)                    (名义金额)                   变动情况
 外汇衍生工具                                   677,816                     730,058                         (1,142)
 利率衍生工具                                   640,328                     790,107                            101
 贵金属衍生工具及其他                           139,721                     235,563                         (8,307)
           合计                             1,457,865                      1,755,728                        (9,348)

     注:衍生金融工具的合约金额是指所参考的标的物的合约金额,只体现交易量,但并不反映其风险。本行对衍

 生金融工具实施严格的风险限额管理,实际风险敞口较小。



     3.5.5 报告期接待调研、沟通、采访等活动情况
     √适用 □不适用
         接待时间                    接待方式                   接待对象类型               调研的基本情况索引
         2016/08/12                  实地调研                       机构                       巨潮资讯网



                                                     10
       2016/08/19               实地调研                  机构             (www.cninfo.com.cn)
                                                                         《平安银行股份有限公司
       2016/08/25               实地调研                  机构           投资者关系活动记录表》
       2016/09/08               电话沟通                  机构
       2016/09/20               实地调研                  机构



    3.6 管理层讨论与分析
    3.6.1 总体情况
    今年三季度以来,国内宏观经济在多重压力下企稳回升,以结构性改革为核心的供给侧改革得
到有序推进,智能制造、大数据等新兴产业正在孕育而出。
    在宏观经济结构性改革、金融市场波动加大等错综复杂的经营环境下,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,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,全面强化风险管控,各项业务平稳增长,全行经营情况
呈现以下特点:
    1、规模平稳发展
    截至 2016 年 9 月 30 日,本行总资产 27,912.38 亿元,较年初增长 11.33%。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)14,305.14
亿元,较年初增长 17.63%。吸收存款余额 19,128.78 亿元,较年初增长 10.32%。为对冲上年数次降
息的影响,本行持续运用负债管理模型配置负债,负债成本有序下降,2016 年 1-9 月计息负债平均
成本 2.17%、同比下降 0.85 个百分点,净利差同比提升 0.03 个百分点,净息差保持稳定。
    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 9 月 30 日,托管资产规模 5.21 万亿元、较年初增幅 39%;表内外理
财规模 10,340.31 亿元、较年初增幅 39.40%,其中表外理财规模 7,982.55 亿元、较年初增幅 59.05%。
    2、盈利保持稳定
    2016 年 1-9 月,本行实现营业收入 819.68 亿元,同比增长 15.20%;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,全行实现非利息净收入 274.05 亿元、同比增幅 19.43%,
非利息净收入占比为 33.43%、同比提升 1.18 个百分点;准备前营业利润 561.60 亿元、同比增长 29.88%;
受资产减值损失增加的影响,净利润 187.19 亿元、同比增长 5.52%。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),营业收入为价税分离后的金额,有所下降。
    本行推进精细化的成本管控,投入产出效率持续优化,2016 年 1-9 月成本收入比 27.70%,同比
下降 4.44 个百分点,较 2015 年度下降 3.61 个百分点。
    3、业务稳步推动

    本行持续推进各项业务发展,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。
    公司业务持续打造以“交易银行+”和“投资银行+”为两翼的综合金融一体化服务,完善深化


                                             11
事业部改革,创新开展 C+SIE(核心客户+供应链、产业链和生态圈客户)行业金融营销模式,充分
发挥事业部和分行的发展潜力,促进综合金融快速发展。“橙 e 网”注册客户数 251 万,该平台促进
了 B2B 电商、产业链金融等交易的持续发展。推进物联网金融战略布局,逐步完善业务模式及应用
场景。离岸投融资业务规模和效益持续增加,居同业前列,期末离岸存款余额 1,102 亿元(含同业),
离岸贷款余额 867 亿元(含代付)。
    零售业务继续深化大事业部制改革,期末财富及以上客户 32.85 万户、管理个人客户资产 7,606.70
亿元。平安橙子(直通银行)实现电子签名约定书签署功能,支持对客户开放更多资管产品,截至
报告期末,客户数 1,007.70 万户,较年初增长 98.98%。口袋银行上线开立电子账户功能,首页改版
实现不同客层定制专属版面风格,累计用户数 1,721.48 万户、同口径较年初增长 110.34%。信用卡
业务继续保持快速稳健增长,2016 年 1-9 月新增发卡 649.99 万张、同比增长 46.83%,其中通过交叉
销售渠道获客占新增发卡量的 30.82%;流通卡量 2,425.66 万张,较年初增长 21.43%;总交易金额
8,211.07 亿元,同比增长 43.96%;贷款余额 1,702.66 亿元,较年初增长 15.25%。
    资金同业业务坚持“轻资本、轻资产、强效益”的发展路线,增加可持续发展能力,整体经营
情况良好。资产管理规模逾万亿,较年初增长 39%,增速领先国内银行同业。行 E 通客户覆盖面持
续扩大,合作客户 1,315 家、较年初增加 800 家,行 E 通平台交易量 3.33 万亿元、其中线上交易量
2.62 万亿元。加速票据业务转型创新,7 月发行全国首单基于纸质银行承兑汇票的资产证券化产品
“德邦证券平安银行安盈 1 号资产支持专项计划”,拓宽企业直接融资渠道。黄金账户较年初新增客
户 175 万户、交易活跃户数 24 万户,均同比大幅增长;黄金账户客户总数 318 万户、居同业领先水
平。9 月发布银行业首款黄金投资 APP——“平安金”黄金银行 APP,具有交易、实物、融资、理
财、支付等五大类功能,提供便捷的客户体验。
    投行业务发挥综合金融纽带作用、持续创新托管平台,不断推动业务发展。大力发展产业基金,
顺应国家重大经济与产业发展战略,积极支持实体经济发展,融入国计民生重点领域建设,持续开
展与政府、行业龙头、上市公司等优质客户的合作并且取得了良好效益。成功进入 30 家客户债务融
资(DFI)主承销团,以财务顾问方式参与发行多支资产证券化产品。
    4、资产风险可控
    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 9 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 164.39%,较年初下降
1.47 个百分点。本行持续优化信贷结构,管好存量、严控增量;加大不良资产清收处置力度,1-9
月共清收不良资产 38 亿元;加大拨备及核销力度,拨贷比 2.56%,较年初上升 0.15 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。



                                             12
     合理配置网点布局,截至 2016 年 9 月 30 日共有 59 家分行、1,042 家营业机构,其中 2016 年第
三季度新增 1 家分行级营业机构(日照分行)。


     3.6.2 资产质量
     1、发放贷款和垫款五级分类情况
                                                                               (货币单位:人民币百万元)
                                   2016 年 9 月 30 日            2015 年 12 月 31 日        期末比上年末
                项目
                                 余额            占比           余额            占比            增减

正常贷款                         1,348,514         94.27%       1,148,011         94.40%           17.47%
关注贷款                            59,700              4.17%     50,482           4.15%           18.26%
不良贷款                            22,300              1.56%     17,645           1.45%           26.38%
其中:次级                          12,792              0.89%      7,945           0.65%           61.01%
         可疑                        4,114              0.29%      2,141           0.18%           92.15%
         损失                        5,394              0.38%      7,559           0.62%          (28.64%)
发放贷款和垫款总额               1,430,514        100.00%       1,216,138       100.00%            17.63%
发放贷款和垫款减值准备            (36,660)                       (29,266)                          25.26%
不良贷款率                          1.56%                          1.45%                    +0.11 个百分点
拨备覆盖率                        164.39%                       165.86%                     -1.47 个百分点
拨贷比                              2.56%                          2.41%                    +0.15 个百分点



     2、发放贷款和垫款按产品划分的结构分布及质量情况

                                                                               (货币单位:人民币百万元)
                                   2016 年 9 月 30 日            2015 年 12 月 31 日
                项目                                                                         不良率增减
                                 余额           不良率          余额           不良率
公司贷款                           948,416          1.45%        774,996           1.08%    +0.37 个百分点
其中:一般贷款                     911,813              1.51%    761,331           1.10%    +0.41 个百分点
      其中:小企业金融事业部
                                     5,038              2.14%       5,116          2.38%     -0.24 个百分点
管理的公司贷款
      贴现                          36,603                  -     13,665                -                  -
零售贷款                           311,832          1.94%        293,402           1.91%    +0.03 个百分点
其中:住房按揭贷款                  61,426              0.17%     45,967           0.09%    +0.08 个百分点
      经营性贷款                    95,919              4.62%    107,429           4.19%    +0.43 个百分点
      其中:小企业金融事业部
                                    71,985              5.60%     88,294           3.17%    +2.43 个百分点
管理的个人贷款
      汽车贷款                      88,667              0.87%     78,635           0.28%    +0.59 个百分点
      其他(注)                    65,820              1.14%     61,371           1.36%     -0.22 个百分点
信用卡应收账款                     170,266          1.45%        147,740           2.50%     -1.05 个百分点
发放贷款和垫款总额               1,430,514          1.56%       1,216,138          1.45%    +0.11 个百分点
     注:其他贷款包括新一贷、持证抵押消费贷、小额消费贷款和其他保证或质押类的消费贷款等;


                                                   13
        公司不良贷款率上升主要是受宏观经济下行影响,本行部分民营中小企业、低端制造业等企业
 面临经营不善、利润下滑、融资困难等问题,导致企业出现资金链紧张、断裂、无力还款等情况。
        零售不良贷款率上升主要集中在经营性贷款和汽车贷款。受经济下行影响,小企业经营困难、
 还款能力下降导致经营性贷款不良率上升。本行将主动调整授信政策和导向,压缩调整存量联保互
 保业务,细化区域、行业风险组合管理和客户分层,不断拓展、优化目标客群,积极推动产业链和
 线上化相结合,提高获取收益和抵御风险的能力。汽车贷款积极调整业务结构,适度调整风险准入
 政策,运用科学化风险计量工具及外部大数据,提高风险识别能力,同时大力加强催收团队建设并
 运用多种催清收手段,加快处置不良资产,剔除不良后的收益率保持平稳上升。


        3.6.3 利息收支情况
        1、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 1-9 月                            2015 年 1-9 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
                         1,281,968            62,617         6.52%      1,132,331       63,934         7.55%
(不含贴现)
债券投资                     343,811           8,618         3.35%        275,454        7,930         3.85%
存放央行                     282,046           3,139         1.49%        287,806        3,148         1.46%
票据贴现及同业业务           753,916          21,004         3.72%        662,341       23,897         4.82%
其他                           5,779             197         4.55%          6,894          316         6.13%
生息资产总计             2,667,520            95,575         4.79%      2,364,826       99,225         5.61%
负债
吸收存款                 1,854,597            27,184         1.96%      1,633,446       32,755         2.68%
发行债券                     283,552           7,093         3.34%        104,611        3,625         4.63%
       其中:同业存单        257,123           5,889         3.06%         84,496        2,608         4.13%
同业业务                     387,368           6,735         2.32%        518,808       14,639         3.77%
计息负债总计             2,525,517            41,012         2.17%      2,256,865       51,019         3.02%
净利息收入                                    54,563                                    48,206
存贷差                                                       4.56%                                    4.87%
净利差 NIS                                                   2.62%                                    2.59%
净息差 NIM                                                   2.73%                                    2.73%

        受本年 5 月 1 日开始实施营改增价税分离、上年央行连续降息并放开存款利率上限的滞后影响,
 本行 1-9 月生息资产、付息负债平均利率同比下降,存贷差也有所降低。但受益于资产负债结构持
 续优化,本行利率较低的基础性存款负债规模占比提升、同业负债及发行债券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,净利差同比提升 0.03 个百分点、净息差保持稳定。


                                                        14
                                      2016 年 7-9 月                                2016 年 4-6 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
                          1,300,700           20,747          6.35%    1,272,499           20,514         6.48%
(不含贴现)
债券投资                    321,364            2,944          3.64%      355,158             2,926        3.31%
存放央行                    290,309            1,070          1.47%      277,869             1,029        1.49%
票据贴现及同业业务          801,374            7,180          3.56%      729,926             6,680        3.68%
其他                          6,276                66         4.18%        5,528               60         4.37%
生息资产总计              2,720,023           32,007          4.68%    2,640,980           31,209         4.75%
负债
吸收存款                  1,870,152            8,744          1.86%    1,846,734             9,169        2.00%
发行债券                    327,226            2,743          3.33%      261,475             2,154        3.31%
       其中:同业存单       305,917            2,303          2.99%      232,458             1,729        2.99%
同业业务                    417,442            2,153          2.05%      372,166             2,088        2.26%
计息负债总计              2,614,820           13,640          2.08%    2,480,375           13,411         2.17%
净利息收入                                    18,367                                       17,798
存贷差                                                        4.49%                                      4.48%
净利差 NIS                                                    2.60%                                      2.58%
净息差 NIM                                                    2.69%                                      2.71%



         2、发放贷款和垫款日均余额及收益率
                                                                                    (货币单位:人民币百万元)
                                      2016 年 1-9 月                                2015 年 1-9 月
         项目
                        日均余额        利息收入        平均收益率    日均余额         利息收入      平均收益率
公司贷款类
                           823,272           31,019           5.03%       719,664           33,295        6.19%
(不含贴现)
个人贷款                   458,696           31,598           9.20%       412,667           30,639        9.93%
发放贷款和垫款
                         1,281,968           62,617           6.52%     1,132,331           63,934        7.55%
(不含贴现)


                                      2016 年 7-9 月                                2016 年 4-6 月
         项目
                        日均余额        利息收入        平均收益率    日均余额         利息收入      平均收益率
公司贷款类
                           834,973           10,260           4.89%       817,357           10,223        5.03%
(不含贴现)
个人贷款                   465,727           10,487           8.96%       455,142           10,291        9.09%
发放贷款和垫款
                         1,300,700           20,747           6.35%     1,272,499           20,514        6.48%
(不含贴现)




                                                         15
     3、吸收存款日均余额及成本率
                                                                                    (货币单位:人民币百万元)
                                    2016 年 1-9 月                                  2015 年 1-9 月
      项目
                     日均余额         利息支出       平均成本率      日均余额          利息支出      平均成本率
公司存款              1,266,626            19,363          2.04%        1,074,089           22,463         2.80%
其中:活期                456,381           1,845          0.54%          314,529            1,485         0.63%
      定期                810,245          17,518          2.89%          759,560           20,978         3.69%
      其中:国库及
                          139,973           4,644          4.43%          141,670            5,434         5.13%
协议存款
保证金存款                335,513           4,695          1.87%          322,504            5,805         2.41%
零售存款                  252,458           3,126          1.65%          236,853            4,487         2.53%
其中:活期                122,003             300          0.33%           91,871              295         0.43%
      定期                130,455           2,826          2.89%          144,982            4,192         3.87%
吸收存款              1,854,597            27,184          1.96%        1,633,446           32,755         2.68%


                                    2016 年 7-9 月                                  2016 年 4-6 月
      项目
                     日均余额         利息支出       平均成本率      日均余额          利息支出      平均成本率
公司存款              1,280,153             6,380          1.98%        1,259,788            6,573         2.10%
其中:活期                479,778             721          0.60%          444,554              600         0.54%
      定期                800,375           5,659          2.81%          815,234            5,973         2.95%
      其中:国库及
                          135,916           1,388          4.06%          142,024            1,552         4.40%
协议存款
保证金存款                338,844           1,403          1.65%          333,829            1,559         1.88%
零售存款                  251,155             961          1.52%          253,117            1,037         1.65%
其中:活期                122,201             105          0.34%          121,903              100         0.33%
      定期                128,954             856          2.64%          131,214              937         2.87%
吸收存款              1,870,152             8,744          1.86%        1,846,734            9,169         2.00%



     3.6.4 资本充足率、杠杆率、流动性覆盖率情况
     1、资本充足率
                                                                                    (货币单位:人民币百万元)
                     项   目                                2016 年 9 月 30 日             2015 年 12 月 31 日

 核心一级资本净额                                                           167,058                        150,070

 其他一级资本                                                                19,953                                -

 一级资本净额                                                               187,011                        150,070

 二级资本                                                                    44,475                         31,735

 资本净额                                                                   231,486                        181,805

 风险加权资产合计                                                         1,933,937                      1,661,747


                                                      16
    信用风险加权资产                                                     1,774,859                         1,506,963

         表内风险加权资产                                                1,535,646                         1,274,366

         表外风险加权资产                                                 233,186                           226,879

         交易对手信用风险暴露的风险加权资产                                  6,027                            5,718

    市场风险加权资产                                                        20,401                           16,107

    操作风险加权资产                                                      138,677                           138,677

核心一级资本充足率                                                          8.64%                             9.03%

一级资本充足率                                                              9.67%                             9.03%

资本充足率                                                                 11.97%                            10.94%




    2、杠杆率

                                                                                 (货币单位:人民币百万元)
          项   目             2016 年 9 月 30 日    2016 年 6 月 30 日   2016 年 3 月 31 日    2015 年 12 月 31 日
杠杆率                                     5.63%                5.41%                 5.49%                  4.94%
一级资本净额                              187,011              180,428               176,230                150,070
调整后表内外资产余额                    3,320,207            3,334,600            3,208,603                3,035,027

     注:报告期内因利润增长、优先股注资,一级资本净额增长,导致杠杆率较年初增加。



    3、流动性覆盖率
                                                                                 (货币单位:人民币百万元)
          项   目                       2016 年 9 月 30 日                           2015 年 12 月 31 日
流动性覆盖率                                                   96.36%                                      140.82%
合格优质流动性资产                                             351,211                                      351,133
净现金流出                                                     364,469                                      249,357

    注: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%。




                                                    17
                                四、审计报告


   第三季度报告是否经过审计
   □是 √否
   本行第三季度报告未经审计。




                                               平安银行股份有限公司董事会
                                                        2016 年 10 月 21 日




附录:
1、资产负债表(未经审计)
2、利润表(未经审计)
3、现金流量表(未经审计)




                                     18
                                       平安银行股份有限公司
                                             资产负债表
                                           2016年9月30日
                                                                            货币单位:人民币百万元
资 产                                                      2016年9月30日          2015年12月31日
现金及存放中央银行款项                                                303,936                 291,715
存放同业款项                                                          123,078                 109,046
贵金属                                                                101,482                  63,744
拆出资金                                                               50,172                  76,636
以公允价值计量且其变动计入当期损益的金融资产                           15,984                  19,757
衍生金融资产                                                            5,832                   8,144
买入返售金融资产                                                       37,655                 117,291
应收账款                                                                5,704                   6,624
应收利息                                                               13,471                  13,540
发放贷款和垫款                                                      1,393,854               1,186,872
可供出售金融资产                                                        1,502                   1,245
持有至到期投资                                                        282,862                 266,166
应收款项类投资                                                        408,273                 307,635
长期股权投资                                                              542                     521
投资性房地产                                                              211                     212
固定资产                                                                7,407                   4,788
无形资产                                                                4,631                   4,961
商誉                                                                    7,568                   7,568
递延所得税资产                                                         13,361                   8,728
其他资产                                                               13,713                  11,956
资产总计                                                            2,791,238               2,507,149

负债和股东权益
向中央银行借款                                                         10,649                   3,051
同业及其他金融机构存放款项                                            246,754                 311,106
拆入资金                                                               12,928                  12,143
以公允价值计量且其变动计入当期损益的金融负债                           20,585                   8,506
衍生金融负债                                                           11,238                   4,037
卖出回购金融资产款                                                          -                  11,000
吸收存款                                                            1,912,878               1,733,921
应付职工薪酬                                                           10,648                  10,351
应交税费                                                                9,241                   6,571
应付账款                                                                    -                      44
应付利息                                                               21,151                  23,253
应付债券                                                              325,419                 212,963
预计负债                                                                   24                      26
其他负债                                                               11,495                   8,677
负债合计                                                            2,593,010               2,345,649

股东权益:
股本                                                                   17,170                  14,309
其他权益工具                                                           19,953                       -
    其中:优先股                                                       19,953                       -
资本公积                                                               56,465                  59,326
其他综合收益                                                             (872)                 (1,117)
盈余公积                                                                8,521                   8,521
一般风险准备                                                           27,528                  27,528
未分配利润                                                             69,463                  52,933
股东权益合计                                                          198,228                 161,500
负债和股东权益总计                                                  2,791,238               2,507,149


法定代表人: 孙建一       行长:邵平           副行长兼首席财务官:陈蓉          会计机构负责人:韩旭

                                                19
                                            平安银行股份有限公司
                                                  利润表
                                                2016年1-9月

                                                                                  货币单位:人民币百万元
                     项   目                      2016年7-9月     2015年7-9月    2016年1-9月    2015年1-9月


一、营业收入                                             27,199         24,577         81,968         71,152
    利息净收入                                           18,367         17,088         54,563         48,206
        利息收入                                         32,007         33,361         95,575         99,225
        利息支出                                         13,640         16,273         41,012         51,019
    手续费及佣金净收入                                    7,726          6,501         24,174         20,223
        手续费及佣金收入                                  8,589          7,183         26,689         22,144
        手续费及佣金支出                                   863            682           2,515          1,921
    投资收益                                               858            977           2,466          3,081
    公允价值变动损益                                       (50)            12            110             97
    汇兑损益                                               285            (56)           568           (571)
    其他业务收入                                            13             55             87            116
二、营业支出                                              7,195          9,527         25,808         27,912
    营业税金及附加                                         261           1,666          3,100          5,046
    业务及管理费                                          6,934          7,861         22,708         22,866
三、准备前营业利润                                       20,004         15,050         56,160         43,240
    资产减值损失                                         11,615          7,012         31,615         19,935
四、营业利润                                              8,389          8,038         24,545         23,305
    加:营业外收入                                          23               8            52             21
    减:营业外支出                                           6             19             37             40
五、利润总额                                              8,406          8,027         24,560         23,286
    减:所得税费用                                        1,979          1,872          5,841          5,546
六、净利润                                                6,427          6,155         18,719         17,740
七、其他综合收益的税后净额                                 101            101            245            495
    以后将重分类进损益的其他综合收益                       101            101            245            495
       1、权益法下在被投资单位以后将重分类
                                                             -              -             (4)            58
       进损益的其他综合收益中享有的份额
      2、可供出售金融资产公允价值变动损益                   101            101            249            437
八、综合收益总额                                          6,528          6,256         18,964         18,235
九、每股收益
(一)基本每股收益                                         0.37           0.36           1.09           1.06
(二)稀释每股收益                                         0.37           0.36           1.09           1.06


法定代表人: 孙建一            行长:邵平         副行长兼首席财务官:陈蓉           会计机构负责人:韩旭




                                                    20
                                         平安银行股份有限公司
                                               现金流量表
                                             2016年1-9月
                                                                                 货币单位:人民币百万元
                       项    目                             2016年1-9月                  2015年1-9月

一、经营活动产生的现金流量:
    向中央银行借款净增加额                                            7,553                          803
    吸收存款和同业存放款项净增加额                                  113,563                      239,398
    拆入资金净增加额                                                    785                        3,295
    应收账款的净减少额                                                  920                        2,805
    应付账款的净增加额                                                    -                          905
    买入返售款项净减少额                                             27,800                       67,936
    收取利息、手续费及佣金的现金                                     99,405                       98,793
    收到其他与经营活动有关的现金                                      7,946                        9,944
          经营活动现金流入小计                                      257,972                      423,879

     存放中央银行及同业款项增加额                                    59,220                        8,179
     拆出资金净增加额                                                14,475                        4,989
     应付账款的净减少额                                                  44                            -
     发放贷款和垫款净增加额                                         239,188                      200,784
     卖出回购款项净减少额                                            11,001                       22,571
     支付利息、手续费及佣金的现金                                    37,291                       47,404
     支付给职工及为职工支付的现金                                    11,060                        9,895
     支付的各项税费                                                  11,059                       11,737
     支付其他与经营活动有关的现金                                    27,576                       26,335
           经营活动现金流出小计                                     410,914                      331,894

          经营活动产生的现金流量净额                                (152,942)                     91,985

二、投资活动产生的现金流量:
    收回投资收到的现金                                             1,626,197                     577,505
    取得投资收益收到的现金                                            21,757                      21,044
          投资活动现金流入小计                                     1,647,954                     598,549

     投资支付的现金                                                1,744,210                     630,866
     购建固定资产、无形资产和其他长期资产支付的现金                      906                       2,444
           投资活动现金流出小计                                    1,745,116                     633,310

          投资活动产生的现金流量净额                                 (97,162)                    (34,761)

三、筹资活动产生的现金流量:
  发行股本收到的现金                                                    -                        9,940
    发行其他权益工具收到的现金                                       20,000                            -
  发行债券收到的现金                                              609,764                      258,096
          筹资活动现金流入小计                                      629,764                      268,036

    偿还债务支付的现金                                             503,190                      106,230
     偿付债券利息支付的现金                                           1,369                        1,361
     为已发行其他权益工具支付的现金                                      48                            -
     分配股利及利润支付的现金                                         2,189                        1,988
           筹资活动现金流出小计                                     506,796                      109,579

          筹资活动产生的现金流量净额                                122,968                      158,457

四、汇率变动对现金及现金等价物的影响                                     1,546                      723

五、现金及现金等价物净(减少)/增加额                                 (125,590)                    216,404
加:年初现金及现金等价物余额                                         261,341                     183,456

六、期末现金及现金等价物余额                                        135,751                      399,860


法定代表人: 孙建一         行长:邵平        副行长兼首席财务官:陈蓉            会计机构负责人:韩旭

                                                 21