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2019年09月23日 星期一

中国平安(601318)公告正文

中国平安:平安银行股份有限公司2017年第一季度报告

公告日期:2017-04-22

平安银行股份有限公司


2017年第一季度报告




 二〇一七年四月二十二日
                                 第一节 重要提示

    一、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。
    二、本行第十届董事会第六次会议审议了 2017 年第一季度报告。本次董事会会议应出席董事
12 人,实到董事 11 人。董事郭建因事未出席会议,委托董事姚波行使表决权。会议一致同意此报
告。
    三、本行董事长谢永林、行长胡跃飞、副行长兼首席财务官陈蓉、会计机构负责人韩旭保证 2017
年第一季度报告中财务报表的真实、准确、完整。
    四、非标准审计意见提示
    □适用 √不适用
    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
                                            第二节 公司基本情况

       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
                                                                                         (货币单位:人民币百万元)
                                                                                                        期末比上年末
                         项   目                             2017 年 3 月 31 日   2016 年 12 月 31 日
                                                                                                            增减

总资产                                                               3,006,195            2,953,434                1.79%

股东权益                                                               207,739              202,171                2.75%

归属于普通股股东的股东权益                                             187,786              182,218                3.06%

股本                                                                     17,170              17,170                    -

归属于普通股股东的每股净资产(元)                                        10.94                10.61               3.11%

                         项   目                              2017 年 1-3 月       2016 年 1-3 月         同比增减

营业收入                                                                 27,712              27,532                0.65%

净利润                                                                    6,214               6,086                2.10%

扣除非经常性损益后的净利润                                                6,212               6,075                2.26%

经营活动产生的现金流量净额                                            (115,008)              59,268         (294.05%)

每股经营活动产生的现金流量净额(元)                                     (6.70)                 3.45        (294.20%)

基本/稀释每股收益(元)                                                    0.31                 0.35          (11.43%)

扣除非经常性损益后的基本每股收益(元)                                     0.31                 0.35          (11.43%)

平均总资产收益率(未年化)                                               0.21%                0.23%     -0.02 个百分点

平均总资产收益率(年化)                                                 0.83%                0.94%     -0.11 个百分点

加权平均净资产收益率(未年化)                                           2.89%                3.70%     -0.81 个百分点

加权平均净资产收益率(年化)                                            12.35%              14.01%      -1.66 个百分点

扣除非经常性损益后的加权平均净资产收益率(未年化)                       2.89%                3.69%     -0.80 个百分点

扣除非经常性损益后的加权平均净资产收益率(年化)                        12.34%              13.99%      -1.65 个百分点

       注:(1)本行于 2016 年 3 月 7 日采用非公开方式发行票面金额为 200 亿元的非累积型优先股,于 2017 年 3 月
宣告并发放优先股全年股息共计人民币 8.74 亿元(含税),该股息的计息期间为 2016 年 3 月 7 日至 2017 年 3 月 6 日。
本行在计算 2017 年 1 季度的“每股收益”及“加权平均净资产收益率”时,分子均一次性扣减了上述已发放的优先
股股息。
           (2)本行于 2016 年 6 月实施“2015 年度利润分配方案”,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。上表各比较期间的“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                2017 年 3 月 31 日   2016 年 12 月 31 日   2015 年 12 月 31 日   期末比上年末增减

吸收存款                                     1,912,082             1,921,835             1,733,921             (0.51%)

其中:企业存款                                1,622,572            1,652,813             1,453,590             (1.83%)

      个人存款                                 289,510               269,022               280,331               7.62%

发放贷款和垫款总额                           1,548,162             1,475,801             1,216,138              4.90%

其中:企业贷款                                 963,004               934,857               774,996               3.01%

            一般企业贷款                       956,386               920,011               761,331               3.95%

            贴现                                  6,618               14,846                13,665            (55.42%)

      个人贷款                                 397,043               359,859               293,402              10.33%

      信用卡应收账款                           188,115               181,085               147,740               3.88%

发放贷款和垫款减值准备                         (43,978)             (39,932)              (29,266)              10.13%

发放贷款和垫款净值                            1,504,184            1,435,869             1,186,872               4.76%

    注: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”、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。按此统计口径,2017 年 3 月 31 日的各项存款为 23,916 亿元、各项贷款为 15,705 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,1-3 月累计)                                                                0.31



     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                                                   2017 年 1-3 月

非流动性资产处置损益                                                                                                 1

其他营业外收入和支出                                                                                                 1

以上项目对所得税的影响                                                                                               -

                           合   计                                                                                   2

     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。

                                                            3
       二、监管指标和财务比率
                                                                                                              (单位:%)
                        项   目               标准值          2017 年3 月31 日       2016 年12 月31 日        2015 年12 月31 日
  资本充足率                                   ≥10.5                      11.48                    11.53                10.94
  一级资本充足率                               ≥8.5                        9.23                     9.34                    9.03
  核心一级资本充足率                           ≥7.5                        8.28                     8.36                    9.03
  不良贷款率                                    ≤5                         1.74                     1.74                    1.45
  拨备覆盖率                                   ≥150                      163.32                155.37                  165.86
  拨贷比                                       ≥2.5                        2.84                     2.71                    2.41
  成本收入比(不含营业税,年初至期末)        不适用                       24.55                    25.97                31.31
  存贷差(年初至期末,年化)                  不适用                        4.25                     4.49                    4.89
  净利差(年初至期末,年化)                  不适用                        2.37                     2.60                    2.62
  净息差(年初至期末,年化)                  不适用                        2.53                     2.75                    2.81

      注:监管指标根据监管口径列示。本行于 2016 年对贵金属租赁净收益进行了重分类,将其从非利息净收入重分

  类至利息净收入,并对比较数据进行了同口径调整。


       三、报告期末股东总数及前十名股东持股情况表
       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)                     371,177                                                  -
                                                                               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         252,247,983                -                    -
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        1.11        191,251,938                      -              -                    -
深圳市正顺资本控股有限公司         境内法人        0.62        106,686,426                      -           质押    106,686,426
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
工银瑞信基金-农业银行-工银
                                   境内法人        0.37         63,731,160                      -              -                    -
瑞信中证金融资产管理计划
南方基金-农业银行-南方中证
                                   境内法人        0.37         63,731,160                      -              -                    -
金融资产管理计划



                                                          4
 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             8,258,245,083        人民币普通股               8,258,245,083
 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                                          191,251,938         人民币普通股                 191,251,938
 深圳市正顺资本控股有限公司                                        106,686,426         人民币普通股                 106,686,426
 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
 工银瑞信基金-农业银行-工银瑞信中证金融资产管理计划               63,731,160         人民币普通股                  63,731,160
 南方基金-农业银行-南方中证金融资产管理计划                       63,731,160         人民币普通股                  63,731,160
                                  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、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
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


                                                             5
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:(1)本行已发行的优先股不设限售期,均为无限售条件优先股;

          (2)本行无表决权恢复的优先股股东。




                                                            6
                                       第三节 重要事项

    一、报告期主要财务数据、财务指标变动 30%以上的情况及原因
    √适用 □不适用
                                                                                      (货币单位:人民币百万元)
           项   目         本期余额      变动金额              变动比率                  变动原因分析

衍生金融资产                   4,188          (4,542)             (52.03%)    贵金属衍生交易规模减少

买入返售金融资产                 810          (8,066)             (90.87%)    买入返售票据等业务规模减少

向中央银行借款                25,074           5,937               31.02%     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
                               9,663         (12,250)             (55.90%)    交易性黄金租赁应付款减少
计入当期损益的金融负债
卖出回购金融资产款            12,332          (6,609)             (34.89%)    卖出回购同业存单减少

预计负债                          60               (30)           (33.33%)    基期数小,上年末为 0.90 亿元

公允价值变动损益                (25)               (11)       上年同期为负    基期数小,上年同期为-0.14 亿元

汇兑损益                          45           (107)              (70.39%)    汇率波动导致汇兑损益减少

税金及附加                       246          (1,642)             (86.97%)    上年 5 月 1 日起执行营改增政策的影响

资产减值损失                  12,434           2,884               30.20%     贷款规模增加,风险抵御能力加强

营业外支出                        14                11            366.67%     基期数小,上年同期为 0.03 亿元



    二、重要事项进展情况及其影响和解决方案的分析说明
    √适用 □不适用
    2017 年 1 月 9 日,本行第十届董事会第四次会议审议通过了《关于优先股股息发放方案的议案》。
2017 年 3 月 1 日,本行发布了《平安银行股份有限公司优先股股息发放实施公告》。本行以优先股
(以下简称“平银优 01”,代码 140002)发行量 2 亿股(每股面值人民币 100 元)为基数,按照票面
股息率 4.37%计算,每股优先股派发股息人民币 4.37 元(含税),本次派发股息合计人民币 8.74 亿元(含
税)。本次优先股股息的计息期间为 2016 年 3 月 7 日至 2017 年 3 月 6 日,股权登记日为 2017 年 3
月 6 日,除息日为 2017 年 3 月 7 日,派息日为 2017 年 3 月 7 日。本行平银优 01 股息发放方案在报
告期内实施完毕。
           重要事项概述           披露日期                                临时报告披露网站查询索引
 《平安银行股份有限公司优先                          《中国证券报》、《证券时报》、《上海证券报》、《证券日
                               2017 年 3 月 1 日
    股股息发放实施公告》                                         报》和巨潮资讯网(www.cninfo.com.cn)



    三、公司实际控制人、股东、关联方、收购人以及公司等承诺相关方在报告期内超期未履行完
毕的承诺事项
    □适用 √不适用

                                                          7
    公司报告期不存在公司实际控制人、股东、关联方、收购人以及公司等承诺相关方在报告期内
超期未履行完毕的承诺事项。


    四、对 2017 年 1-6 月经营业绩的预计
    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


    五、证券投资情况
    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 930 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                 3.20   2021-3-29                             -

 2016 年商业银行债券                      3,000                 3.25   2021-3-7                              -

 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                              -

 2011 年政策性银行债券                    1,770                 2.16   2018-1-14                             -



    六、衍生品投资情况
                                                                                  (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                                   796,308                 1,062,965                          406

利率衍生工具                                   833,882                     946,432                        (45)

贵金属衍生工具                                 188,090                     169,653                     (3,576)

          合计                             1,818,280                   2,179,050                       (3,215)

    注: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,开展包括衍生产品的资金交易和投资业务。衍

生品金融工具名义金额增长主要是外汇及利率衍生业务增加,合约金额只体现交易量,并不反映其风险。本行开展

的外汇及利率衍生品业务均采取对冲策略,实际汇率及利率风险暴露很小。




                                                    8
    七、报告期内接待调研、沟通、采访等活动情况

       接待时间                 接待方式            接待对象类型       调研的基本情况索引
       2017/01/10               投行会议                机构                巨潮资讯网
                                                                        (www.cninfo.com.cn)
       2017/03/17               实地调研                机构
                                                                      《平安银行股份有限公司
       2017/03/24               实地调研                机构          投资者关系活动记录表》



    八、违规对外担保情况
    □适用 √不适用


    九、控股股东及其关联方对上市公司的非经营性占用资金情况
    □适用 √不适用


    十、管理层讨论与分析
    (一)总体战略
    1、宏观经济背景
    2017 年 1 季度,国内经济金融运行总体平稳。国家坚持稳中求进工作总基调,实施稳健中性的
货币政策,深化供给侧结构性改革,并继续推进金融体制改革,增强金融运行效率。
    2、本行总体愿景及核心战略
    以零售为核心,对公、同业协同发展,打造领先的智能化零售银行。
    3、三大关键策略
    (1)科技引领
    高度重视科技创新和技术运用,对内降低运营成本、提升管理效率,对外改善服务品质、提升
客户体验。在零售业务领域,用互联网技术和思维改造业务和队伍,打造领先的智能化零售银行,
全面提升客户体验。在对公业务领域,利用大数据技术打造领先的中小企业数据征信平台,利用先
进的 IT 系统打造橙 e 网、行 e 通、黄金银行等传统业务新优势,全面提升客户服务能力。
    (2)零售突破
    全面推进智能化零售银行转型,创新“SAT(社交+移动应用+远程服务)+智能网点”为核心的
零售银行服务体系,为客户提供丰富的金融和生活场景,实现服务、产品、渠道、组织等方面多点
突破,打造“更懂您的智能银行”。
    (3)对公做精
    大力推进从规模驱动的外延式增长向价值与质量驱动的内涵式增长转型,精选行业、客户,通
过“商行+投行”模式深度服务全产业链客户,节约资源、提高收益。同时通过强大的产品能力与交
易能力,支持零售获客与业务发展,打造以行业化为基础、“三化两轻”的精品公司银行。


                                            9
    (二)经营特点
    2017 年 1 季度,本行大力推动战略转型,在保持盈利和规模平稳增长的情况下,围绕“零售突
破”和“对公做精”,有序推动改革转型。2017 年 1 季度,全行经营情况具有以下特点:
    1、盈利与规模平稳增长
    2017 年 1 季度,本行实现营业收入 277.12 亿元,同比增长 0.65%(还原营改增前的营业收入为
297.90 亿元、同比增幅 8.20%),其中非利息净收入 88.43 亿元,同比增长 4.61%,主要来自信用卡、
理财等手续费收入的增加;非利息净收入占比为 31.91%,同比提升 1.21 个百分点。准备前营业利润
206.62 亿元,同比增长 17.64%;净利润 62.14 亿元,同比增长 2.10%,盈利能力保持稳定。成本收
入比 24.55%,同比下降 4.80 个百分点,经营效率持续优化。
    2017 年 1 季度末,本行资产总额 30,061.95 亿元,较上年末增长 1.79%;吸收存款余额 19,120.82
亿元,较上年末基本持平。本行适应市场变化,积极营销优质项目,发放贷款和垫款总额(含贴现)
15,481.62 亿元,较上年末增幅 4.90%。2017 年 1 季度末较上年末增加的人民币贷款中,个人(含信
用卡)人民币贷款占比超过 70%。
    2、零售转型多点突破
    本行坚定不移地推进智能化零售战略转型,以客户为中心,在保持良好品质的前提下实现业务
快速增长,并在服务、产品、渠道和组织上不断创新和升级。
    (1)业绩:规模实现快速增长,资产质量持续保持良好品质
    规模实现快速增长。2017 年 1 季度末,零售管理个人客户资产(AUM)达 9,063.86 亿元,较上
年末增幅 13.64%,零售客户数 4,369.35 万户,较上年末增长 7.96%,其中:私人银行及财富客户数
38.78 万户,较上年末增长 12.80%;零售个人贷款及信用卡应收账款余额 5,851.58 亿元,较上年末
增长 8.17%。信用卡流通卡量 2,710.09 万张,较上年末增长 5.84%,总交易金额 3,020.22 亿元,同比
增长 15.82%。
    资产质量持续保持良好品质。2017 年 1 季度末,本行零售业务不良率稳中有降,其中个人贷款
不良率 1.44%,较上年末下降 0.13 个百分点;个人贷款(不含个人经营性贷款)不良率 0.43%,较
上年末下降 0.17 个百分点;信用卡不良率 1.55%,资产质量保持稳定,新进不良比例为近三年来最
优水平。本行不断优化授信流程,持续完善风险量化模型,实现零售资产品质良好,同时提升客户
体验。
    (2)服务:大数据精准把握客户需求,“SAT+智能网点”提供智能化无缝体验
    本行组建了高专业资质的大数据团队,实现了对客户的大数据微观分群,针对不同客群的金融
需求提供差异化的产品和服务,并为一线队伍提供精准营销的实时建议。
    同时,本行全力打造以“SAT(社交+移动应用+远程服务)+智能网点”为核心的零售银行服务
体系,覆盖与客户的全触点并做无缝对接,推动改版升级“口袋银行”手机客户端、智能化改造线
下网点服务动线、强化远程服务团队的断点介入能力,通过社交化手段,全面提升服务质量与效率。

                                             10
    (3)产品:大力发展消费金融,升级财富管理,构建一站式零售综合金融服务
    2017 年 1 季度,本行将新增信贷资源重点向零售倾斜,大力发展信用卡及消费金融业务,同时
通过以信用卡带动借记账户的策略,深挖客户综合价值。在财富管理类产品上,本行根据客户需求
和市场变化,加大创新力度,丰富产品类型,2017 年 1 季度各类产品综合竞争力在同业中保持领先。
同时,本行对内部产品和服务进行整合,构建一站式零售综合金融服务。
    (4)渠道:深化行外合作,基于智能主账户打造 B2B2C 零售业务发展新模式
    本行精心打造银行 B2B2C 模式,将“智能主帐户”的相关功能与行外第三方渠道的场景、流量
相结合,形成功能互补,让其客户能够更自然、便捷地享受到本行优势产品及服务。2017 年 1 季度,
本行与 10 余家有影响力的平台或机构达成合作协议,并进入开发实施阶段。
    (5)组织:互联网化组织管理支持创新快速落地
    为全力保障智能化零售银行转型,本行引入了大量具有互联网经验的专业人才,推行扁平、高
效、直接的组织管理,并全面运用互联网敏捷开发模式,快速推进创新项目落地。
    3、对公业务做深做精
    2017 年 1 季度,本行坚定对公业务转型目标,由规模型增长转向价值驱动和质量驱动的内涵型
增长,精选行业和客户,精细化运作产品与服务,践行“三化两轻”战略。
    (1)精控规模
    本行实施主动战略结构调整,实现存贷款规模的平稳增长。2017 年 1 季度末,公司存款余额
16,225.72 亿元,较上年末略微下降 1.83%;公司存款日均 15,843.14 亿元,较上年增长 5.81%,其中,
电子商务、电子政务等现金管理产品实现存款日均 2,887.34 亿元,较上年新增 250.14 亿元,增幅 9.49%;
公司贷款(含贴现)余额 9,630.04 亿元,较上年末增长 3.01%。
    2017 年 1 季度,本行主动调整客户结构,优化信贷资源配置,并通过业务场景嵌入、产品线延
伸等方法大力支持零售业务,公私联动累计获客 210 万,并为零售提供资管产品达 1,123 亿元。
    (2)精耕行业
    聚焦体量大、弱周期、成长性好的行业,深度经营医疗健康、文化旅游、电子信息、现代物流
等 9 大行业,以及教育、互联网、高科技等国家战略重点发展行业。针对行业垂直细分市场,制定
行业化的业务规划与风险政策,搭建客户联盟平台,以“C+SIE+R”为商业模式,深度服务全产业
链、供应链、生态圈客户。2017 年 1 季度末,本行核心 C 客户落地 3,851 户,较上年末增长 9.3%。
    (3)精选客户
    针对核心客户,聚焦特定行业或特定市场成长性和盈利性俱佳的企业,提供“商行+投行”多项
产品与服务,实行核心客户一站式服务;针对小型客户,通过数据征信建立风控评审模型,构建数
据征信平台和线上审批平台,加快标准化网络融资业务发展,实现平台式批量获客,打造全新的网
络融资化模式。目前,本行小企业征信数据融资系统一期已上线试运行。



                                             11
     (4)精益产品与服务
     借助科技力量,持续打造公司业务互联网平台能力,橙 e 网、跨境 E、行 E 通、保理云四大平
台影响力不断扩大。橙 e 网已向 893 个行业电商平台项目输送了行业金融服务体系,较上年末增加
了 77 个,持续建立数字化供应链金融体系的行业标准;跨境 E 金融平台交易规模达 976 亿元,同比
增幅 18%,实现月均单证处理量翻四倍,在业界树立了良好口碑;行 E 通综合金融资产交易平台影
响力彰显,平台累计合作客户已超 1,600 家,较上年末增加 237 家,同业渠道集聚效应明显;“保理
云平台”应收资产交易市场上线合作客户 4,640 户,较上年末增加 274 户。
     4、提升风险抵御能力
     本行积极应对外部风险,持续优化信贷结构,严格管控增量业务风险,防范和化解存量贷款可
能出现的各类风险,加大不良资产清收处置力度,加大拨备及核销力度,保持资产质量相对稳定。
     2017 年 1 季度本行计提的贷款减值损失为 121.91 亿元、同比增幅 28.87%;2017 年 1 季度末贷
款减值准备余额为 439.78 亿元,较上年末增幅 10.13%;拨贷比为 2.84%,较上年末上升 0.13 个百分
点;拨备覆盖率为 163.32%,较上年末增加 7.95 个百分点;不良贷款率为 1.74%,与上年末持平。
本行特殊资产管理事业部自 2016 年底成立以来,今年 1 季度运行良好,提升系统化处理能力、实施
专业化经营,效果初步显现。全行 2017 年 1 季度收回不良资产总额 23.94 亿元、同比增长 111.86%,
不良资产收回额中 90%为现金收回,其余为以物抵债等方式收回。
     5、合理配置网点布局
     本行合理配置网点布局,2017 年 1 季度新增 2 家分行(唐山分行和徐州分行)、净增加 3 家支
行级营业机构。截至 2017 年 1 季度末,本行有 62 家分行、共 1,077 家营业机构。


     (二)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)
                                2017 年 3 月 31 日            2016 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                      1,457,476         94.14%       1,389,396         94.15%            4.90%
关注贷款                         63,759              4.12%     60,703           4.11%            5.03%
不良贷款                         26,927              1.74%     25,702           1.74%            4.77%
其中:次级                       15,822              1.02%     13,833           0.94%           14.38%
         可疑                     4,950              0.32%      4,494           0.30%           10.15%
         损失                     6,155              0.40%      7,375           0.50%         (16.54%)
发放贷款和垫款总额            1,548,162        100.00%       1,475,801       100.00%             4.90%
发放贷款和垫款减值准备          (43,978)                      (39,932)                          10.13%
不良贷款率                       1.74%                          1.74%                                  -
拨备覆盖率                     163.32%                       155.37%                     +7.95 个百分点
拨贷比                           2.84%                          2.71%                    +0.13 个百分点


                                                12
     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)
                                   2017 年 3 月 31 日            2016 年 12 月 31 日
             项   目                                                                         不良率增减
                                 余额           不良率          余额           不良率
企业贷款                           963,004          1.90%        934,857           1.87%    +0.03 个百分点
其中:一般企业贷款                 956,386              1.91%    920,011           1.90%    +0.01 个百分点
      贴现                           6,618                  -     14,846                -                 -
个人贷款                           397,043          1.44%        359,859           1.57%    -0.13 个百分点
其中:住房按揭贷款                 104,757              0.10%     85,229           0.13%    -0.03 个百分点
      经营性贷款                    97,455              4.55%     97,534           4.17%    +0.38 个百分点
      汽车贷款                      98,858              0.61%     95,264           0.89%    -0.28 个百分点
      其他(注)                    95,973              0.60%     81,832           0.75%    -0.15 个百分点
信用卡应收账款                     188,115          1.55%        181,085           1.43%    +0.12 个百分点
发放贷款和垫款总额               1,548,162          1.74%       1,475,801          1.74%                  -

    注:“其他”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。

     企业不良贷款率上升主要是受宏观经济影响,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。
     本行进一步调整住房按揭贷款客群结构,加大对优质客户的投放力度,有效提升新发放贷款质
量,按揭贷款不良率维持在较低的水平。本行存量经营性贷款业务中,信用类和保证类贷款在外部
环境影响下风险度有所上升;本行已持续调整存量业务结构、加大对房产抵押等强担保类贷款的投
放,严格控制新增业务风险,确保经营性贷款收益覆盖风险,总体风险控制在可控范围之内。本行
汽车贷款通过业务结构调整,提升低风险贷款占比,持续优化风险准入政策,深入运用科学化风险
计量工具及外部大数据,提高风险识别能力,整体风险稳定可控。同时,本行加强催清收团队建设,
积极运用多种催清收化解手段,持续加大不良资产的处置力度。
     本行贯彻信用卡业务全流程的风险管理理念,充分利用量化工具,有效管控风险。一方面,通
过应用评分模型等科学工具全面优化风险管理策略,加大优质客户占比,有效改善新户获客结构,
提高新户获客品质,并对存量客户余额结构进行有效调整,确保可持续发展;另一方面,通过优化
催收策略和提高催收管理能力,不良资产清收能力有效提升。预计未来信用卡组合资产和风险水平
持续平稳可控,收益可覆盖风险。




                                                   13
        (三)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)

                                          2017 年 1-3 月                            2016 年 1-3 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(不含贴现)    1,501,895         22,450         6.06%    1,224,527         21,356         7.01%

债券投资                        384,743          3,227         3.40%     324,886           2,748         3.40%

存放央行                        278,466          1,028         1.50%     284,373           1,040         1.47%

票据贴现及同业业务              783,296          7,488         3.88%     734,962           7,144         3.91%

其他                             81,322            852         4.25%      66,120             789         4.80%

生息资产总计                  3,029,722         35,045         4.69%    2,634,868         33,077         5.05%

负债

吸收存款                      1,890,834          8,427         1.81%    1,814,810          9,271         2.05%

发行债券                        347,720          3,243         3.78%     245,857           2,196         3.59%

       其中:同业存单           317,605          2,812         3.59%     225,742           1,857         3.31%

同业业务及其他                  584,962          4,506         3.12%     397,974           2,531         2.56%

计息负债总计                  2,823,516         16,176         2.32%    2,458,641         13,998         2.29%

利息净收入                                      18,869                                    19,079

存贷差                                                         4.25%                                     4.96%

净利差                                                         2.37%                                     2.76%

净息差                                                         2.53%                                     2.91%

        受 2016 年 5 月 1 日开始实施营改增价税分离等因素的影响,2017 年 1 季度贷款收益率同比存
 在较大幅度的下降;同时,受市场因素影响,2017 年 1 季度计息负债平均成本率同比提升,存贷差、
 净利差、净息差相应下降。




                                                     14
                                          2017 年 1-3 月                             2016 年 10-12 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(不含贴现)    1,501,895         22,450         6.06%     1,433,007          21,860           6.07%

债券投资                       384,743           3,227         3.40%      351,537            2,879           3.26%

存放央行                       278,466           1,028         1.50%      296,936            1,101           1.48%

票据贴现及同业业务             783,296           7,488         3.88%      703,433            6,378           3.61%

其他                            81,322             852         4.25%       86,369             898            4.14%

生息资产总计                  3,029,722         35,045         4.69%     2,871,281          33,116           4.59%

负债

吸收存款                      1,890,834          8,427         1.81%     1,948,162           8,711           1.78%

发行债券                       347,720           3,243         3.78%      275,011            2,241           3.24%

       其中:同业存单          317,605           2,812         3.59%      244,894            1,801           2.93%

同业业务及其他                 584,962           4,506         3.12%      438,457            2,545           2.31%

计息负债总计                  2,823,516         16,176         2.32%     2,661,630          13,497           2.02%

利息净收入                                      18,869                                      19,619

存贷差                                                         4.25%                                        4.29%

净利差                                                         2.37%                                        2.57%

净息差                                                         2.53%                                        2.72%



         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)
                                          2017 年 1-3 月                              2016 年 1-3 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

企业贷款(不含贴现)           932,724          10,539         4.58%      776,271           10,536           5.46%

个人贷款                       569,171          11,911         8.49%      448,256           10,820           9.71%

发放贷款和垫款(不含贴现)    1,501,895         22,450         6.06%     1,224,527          21,356           7.01%


                                          2017 年 1-3 月                             2016 年 10-12 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

企业贷款(不含贴现)           932,724          10,539         4.58%      920,139           10,705           4.63%

个人贷款                       569,171          11,911         8.49%      512,868           11,155           8.65%

发放贷款和垫款(不含贴现)    1,501,895         22,450         6.06%     1,433,007          21,860           6.07%




                                                     15
     3、吸收存款日均余额及成本率
                                                                                     (货币单位:人民币百万元)

                                              2017 年 1-3 月                               2016 年 1-3 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

企业存款                          1,337,162          6,181         1.87%      1,203,986           6,410           2.14%

其中:活期                         525,095             793         0.61%        415,210            524            0.51%

      定期                         812,067           5,388         2.69%        788,776           5,886           3.00%

      其中:国库及协议存款          96,058           1,074         4.53%        147,398           1,704           4.65%

保证金存款                         307,143           1,327         1.75%        356,983           1,733           1.95%

个人存款                           246,529             919         1.51%        253,841           1,128           1.79%

其中:活期                         125,774              98         0.32%        115,459              95           0.33%

      定期                         120,755             821         2.76%        138,382           1,033           3.00%

吸收存款                          1,890,834          8,427         1.81%      1,814,810           9,271           2.05%



                                              2017 年 1-3 月                              2016 年 10-12 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

企业存款                          1,337,162          6,181         1.87%      1,374,457           6,349           1.84%

其中:活期                         525,095             793         0.61%        544,933            833            0.61%

      定期                         812,067           5,388         2.69%        829,524           5,516           2.65%

      其中:国库及协议存款          96,058           1,074         4.53%        118,319           1,297           4.36%

保证金存款                         307,143           1,327         1.75%        324,939           1,416           1.73%

个人存款                           246,529             919         1.51%        248,766            946            1.51%

其中:活期                         125,774              98         0.32%        132,609            106            0.32%

      定期                         120,755             821         2.76%        116,157            840            2.88%

吸收存款                          1,890,834          8,427         1.81%      1,948,162           8,711           1.78%



     十一、资本充足率、杠杆率、流动性覆盖率情况
     (一)资本充足率
                                                                                     (货币单位:人民币百万元)
                       项   目                                  2017 年 3 月 31 日              2016 年 12 月 31 日

 核心一级资本净额                                                               174,098                          170,088

 其他一级资本                                                                    19,953                           19,953

 一级资本净额                                                                   194,051                          190,041

 二级资本                                                                        47,167                           44,346


                                                         16
资本净额                                                                       241,218                           234,387

风险加权资产合计                                                              2,101,897                        2,033,715

    信用风险加权资产                                                          1,903,825                        1,828,931

         表内风险加权资产                                                     1,685,264                        1,607,471

         表外风险加权资产                                                      214,899                           217,364

         交易对手信用风险暴露的风险加权资产                                        3,662                           4,096

    市场风险加权资产                                                            24,272                            30,984

    操作风险加权资产                                                           173,800                           173,800

资本充足率                                                                      11.48%                           11.53%

一级资本充足率                                                                     9.23%                          9.34%

核心一级资本充足率                                                                 8.28%                          8.36%




    (二)杠杆率

                                                                                      (货币单位:人民币百万元)
           项   目               2017 年 3 月 31 日     2016 年 12 月 31 日    2016 年 9 月 30 日      2016 年 6 月 30 日

杠杆率                                         5.58%                5.49%                    5.63%                5.41%

一级资本净额                                 194,051               190,041                  187,011              180,428

调整后表内外资产余额                        3,476,192            3,458,490                 3,320,207           3,334,600

     注:报告期内因利润增加,一级资本净额增长,导致杠杆率较上年末增加。



    (三)流动性覆盖率
                                                                                      (货币单位:人民币百万元)
                       项   目                                2017 年 3 月 31 日                2016 年 12 月 31 日

流动性覆盖率                                                                   89.15%                            95.76%

合格优质流动性资产                                                             332,727                           383,670

净现金流出                                                                     373,226                           400,670

    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
                               第四节 财务报表


 一、财务报表


(一)资产负债表(未经审计)
(二)利润表(未经审计)
(三)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
                                         2017年3月31日
                                                                       货币单位:人民币百万元
资 产                                                 2017年3月31日           2016年12月31日
现金及存放中央银行款项                                           269,541                  311,258
存放同业款项                                                     173,066                  166,882
贵金属                                                           108,137                   93,787
拆出资金                                                          69,009                   97,450
以公允价值计量且其变动计入当期损益的金融资产                      44,044                   57,179
衍生金融资产                                                       4,188                    8,730
买入返售金融资产                                                     810                    8,876
应收账款                                                           5,226                    5,568
应收利息                                                          17,071                   15,770
发放贷款和垫款                                                 1,504,184                1,435,869
可供出售金融资产                                                   1,238                    1,179
持有至到期投资                                                   291,433                  286,802
应收款项类投资                                                   465,280                  414,278
投资性房地产                                                         221                      221
固定资产                                                           8,119                    8,316
无形资产                                                           4,734                    4,771
商誉                                                               7,568                    7,568
递延所得税资产                                                    18,935                   17,831
其他资产                                                          13,391                   11,099
资产总计                                                       3,006,195                2,953,434

负债和股东权益
向中央银行借款                                                    25,074                   19,137
同业及其他金融机构存放款项                                       400,576                  392,351
拆入资金                                                          59,513                   52,586
以公允价值计量且其变动计入当期损益的金融负债                       9,663                   21,913
衍生金融负债                                                       6,964                    8,349
卖出回购金融资产款                                                12,332                   18,941
吸收存款                                                       1,912,082                1,921,835
应付职工薪酬                                                       6,907                    9,289
应交税费                                                          15,199                   12,754
应付利息                                                          21,327                   21,532
应付债券                                                         317,079                  263,464
预计负债                                                              60                       90
其他负债                                                          11,680                    9,022
负债合计                                                       2,798,456                2,751,263

股东权益:
股本                                                              17,170                   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                                                          56,465                   56,465
其他综合收益                                                        (581)                    (809)
盈余公积                                                          10,781                   10,781
一般风险准备                                                      34,468                   34,468
未分配利润                                                        69,483                   64,143
股东权益合计                                                     207,739                  202,171
负债和股东权益总计                                             3,006,195                2,953,434


法定代表人:谢永林    行长:胡跃飞       副行长兼首席财务官:陈蓉           会计机构负责人:韩旭

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                                           平安银行股份有限公司
                                                 利润表
                                               2017年1-3月

                                                                                   货币单位:人民币百万元
                       项   目                             2017年1-3月                   2016年1-3月


一、营业收入                                                             27,712                        27,532
    利息净收入                                                           18,869                        19,079
        利息收入                                                         35,045                        33,077
        利息支出                                                         16,176                        13,998
    手续费及佣金净收入                                                    8,150                         7,420
        手续费及佣金收入                                                  9,125                         8,178
        手续费及佣金支出                                                    975                          758
    投资收益                                                                611                          824
    公允价值变动损益                                                        (25)                         (14)
    汇兑损益                                                                 45                          152
    其他业务收入                                                             62                           71
二、营业支出                                                              7,050                         9,968
    税金及附加                                                              246                         1,888
    业务及管理费                                                          6,804                         8,080
三、准备前营业利润                                                       20,662                        17,564
    资产减值损失                                                         12,434                         9,550
四、营业利润                                                              8,228                         8,014
    加:营业外收入                                                           16                           18
    减:营业外支出                                                           14                            3
五、利润总额                                                              8,230                         8,029
    减:所得税费用                                                        2,016                         1,943
六、净利润                                                                6,214                         6,086
七、其他综合收益的税后净额                                                  228                           30
    以后将重分类进损益的其他综合收益                                        228                           30
       1、权益法下在被投资单位以后将重分类进损益
                                                                              -                            -
       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                                   228                            30
八、综合收益总额                                                          6,442                         6,116
九、每股收益
(一)基本每股收益                                                          0.31                         0.35
(二)稀释每股收益                                                          0.31                         0.35

法定代表人:谢永林          行长:胡跃飞         副行长兼首席财务官:陈蓉             会计机构负责人:韩旭




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                                           平安银行股份有限公司
                                                 现金流量表
                                               2017年1-3月
                                                                                货币单位:人民币百万元
                       项    目                               2017年1-3月                2016年1-3月

一、经营活动产生的现金流量:
    存放中央银行及同业款项净减少额                                          -                      1,608
    向中央银行借款净增加额                                              5,922                          -
    吸收存款和同业存放款项净增加额                                          -                    108,325
    拆入资金净增加额                                                    6,928                          -
    应收账款的净减少额                                                    341                        821
    应付账款的净增加额                                                      -                        147
    买入返售款项净减少额                                                1,884                     15,133
    收取利息、手续费及佣金的现金                                       35,597                     32,860
    收到其他与经营活动有关的现金                                       13,667                        614
          经营活动现金流入小计                                         64,339                    159,508

     存放中央银行及同业款项增加额                                      24,313                          -
     向中央银行借款净减少额                                                 -                        283
     拆出资金净增加额                                                  17,176                      6,100
     拆入资金净减少额                                                       -                      3,024
     发放贷款和垫款净增加额                                            82,251                     53,973
     吸收存款和同业存放款项净减少额                                     1,862                          -
     卖出回购款项净减少额                                               6,614                      6,602
     支付利息、手续费及佣金的现金                                      13,578                     12,471
     支付给职工及为职工支付的现金                                       5,435                      5,904
     支付的各项税费                                                     2,747                      2,689
     支付其他与经营活动有关的现金                                      25,371                      9,194
           经营活动现金流出小计                                       179,347                    100,240

          经营活动产生的现金流量净额                                  (115,008)                   59,268

二、投资活动产生的现金流量:
    收回投资收到的现金                                                281,512                    409,509
    取得投资收益收到的现金                                              8,120                      7,219
          投资活动现金流入小计                                        289,632                    416,728

     投资支付的现金                                                   336,716                    511,273
     购建固定资产、无形资产和其他长期资产支付的现金                       125                        236
           投资活动现金流出小计                                       336,841                    511,509

          投资活动产生的现金流量净额                                   (47,209)                  (94,781)

三、筹资活动产生的现金流量:
    发行其他权益工具收到的现金                                              -                     20,000
  发行债券收到的现金                                                305,833                    167,420
          筹资活动现金流入小计                                        305,833                    187,420

    偿还债务支付的现金                                               255,000                    134,880
     偿付债券利息支付的现金                                               643                        612
     为已发行其他权益工具支付的现金                                         -                         48
     分配股利支付的现金                                                   874                          -
           筹资活动现金流出小计                                       256,517                    135,540

          筹资活动产生的现金流量净额                                   49,316                     51,880

四、汇率变动对现金及现金等价物的影响                                        (431)                      (171)

五、现金及现金等价物净(减少)/增加额                                   (113,332)                   16,196
加:年初现金及现金等价物余额                                           233,414                   261,341

六、期末现金及现金等价物余额                                          120,082                    277,537

法定代表人:谢永林          行长:胡跃飞          副行长兼首席财务官:陈蓉          会计机构负责人:韩旭

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二、审计报告


第一季度报告是否经过审计
□是 √否
本行第一季度报告未经审计。




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

                                            2017 年 4 月 22 日




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