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2019年09月19日 星期四

中国平安(601318)公告正文

中国平安:平安银行2017年第三季度报告

公告日期:2017-10-21

平安银行股份有限公司


2017年第三季度报告




 二〇一七年十月二十一日
                                 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十一次会议审议了 2017 年第三季度报告。本次董事会会议应出席董事

12 人,实到董事 12 人。会议一致同意此报告。
    三、本行董事长谢永林、行长胡跃飞、会计机构负责人韩旭保证 2017 年第三季度报告中财务报

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、主要会计数据和财务指标

       公司是否需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 9 月 30 日             2016 年 12 月 31 日
                                                                                                         增减
总资产                                                       3,137,481                   2,953,434            6.23%

股东权益                                                      218,111                      202,171            7.88%

归属于普通股股东的股东权益                                    198,158                      182,218            8.75%

股本                                                           17,170                       17,170                   -

归属于普通股股东的每股净资产(元)                              11.54                         10.61           8.77%

                  项 目                     2017 年 7-9 月        同比增减         2017 年 1-9 月      同比增减

营业收入                                            25,760               (5.29%)            79,833          (2.60%)

净利润                                               6,599                2.68%             19,153            2.32%

扣除非经常性损益后的净利润                           6,618                3.20%             19,130            2.26%

经营活动产生的现金流量净额                         不适用                不适用           (157,987)    上年同期为负

每股经营活动产生的现金流量净额(元)               不适用                不适用              (9.20)    上年同期为负

基本/稀释每股收益(元)                               0.38                2.70%                1.06         (2.75%)

扣除非经常性损益后的基本每股收益(元)                0.38                2.70%                1.06         (2.75%)

平均总资产收益率(未年化)                          0.21%       -0.02 个百分点               0.63%    -0.08 个百分点

平均总资产收益率(年化)                            0.85%       -0.07 个百分点               0.84%    -0.10 个百分点

加权平均净资产收益率(未年化)                      3.39%       -0.28 个百分点               9.60%    -1.42 个百分点

加权平均净资产收益率(年化)                       13.32%       -1.11 个百分点              12.77%    -1.68 个百分点
扣除非经常性损益后的加权平均净资产收
                                                    3.40%       -0.27 个百分点               9.59%    -1.42 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
                                                   13.36%       -1.04 个百分点              12.75%    -1.69 个百分点
益率(年化)

       注:本行于 2016 年 3 月 7 日非公开发行 200 亿元非累积型优先股,于 2017 年 3 月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 1-9 月的“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
                                                                                       (货币单位:人民币百万元)
           项 目                  2017 年 9 月 30 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                                   1,911,741            1,921,835             1,733,921             (0.53%)
其中:企业存款                            1,585,730             1,652,813             1,453,590             (4.06%)

      个人存款                              326,011               269,022               280,331              21.18%

发放贷款和垫款总额                        1,646,824             1,475,801             1,216,138             11.59%
其中:企业贷款                              899,686               934,857               774,996             (3.76%)

           一般企业贷款                     880,970               920,011               761,331             (4.24%)

           贴现                              18,716                14,846                13,665              26.07%

      个人贷款                              494,725               359,859               293,402              37.48%

      信用卡应收账款                        252,413               181,085               147,740              39.39%

发放贷款和垫款减值准备                      (43,802)             (39,932)              (29,266)               9.69%

发放贷款和垫款净值                        1,603,022             1,435,869             1,186,872              11.64%

    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 9 月 30 日的各项存款为 23,750 亿元、各项贷款为 16,810 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)                                                            1.06



    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 1-9 月

非流动性资产处置损益                                                                                             89

其他营业外收入和支出                                                                                           (59)

以上项目对所得税的影响                                                                                           (7)

                          合 计                                                                                  23

    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9 月30 日        2016 年12 月31 日    2015 年12 月31 日

资本充足率                                    ≥10.5                       11.28                  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                        8.32                   8.36                    9.03

不良贷款率                                      ≤5                         1.75                   1.74                    1.45

拨备覆盖率                                    ≥150                      152.11                  155.37                  165.86

拨贷比                                         ≥2.5                        2.66                   2.71                    2.41

成本收入比(不含营业税,年初至期末)         不适用                        26.64                  25.97                   31.31

存贷差(年初至期末,年化/未年化)            不适用                    4.05/3.03                   4.49                    4.89

净利差(年初至期末,年化/未年化)            不适用                    2.24/1.68                   2.60                    2.62

净息差(年初至期末,年化/未年化)            不适用                    2.41/1.80                   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)                    331,474                                                 -
                                                                             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
                                 境内法人     49.56        8,510,493,066           252,247,983            -                  -
公司-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      2.69         462,172,119                      -            -                  -
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      1.08         186,051,938                      -            -                  -
香港中央结算有限公司             境外法人      0.91         155,583,946                      -            -                  -

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
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
中欧基金-农业银行-中欧中证
                                  境内法人      0.37          63,731,160                -              -               -
金融资产管理计划
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
                                                            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                                     462,172,119    人民币普通股                     462,172,119

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                                     186,051,938    人民币普通股                     186,051,938

香港中央结算有限公司                                         155,583,946    人民币普通股                     155,583,946

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

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

中欧基金-农业银行-中欧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
                             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
动的说明
                             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
资融券业务股东情况说明       无
(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




                                                        5
      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-
                                  境内法人      29.00        58,000,000              -              -              -
分红-个险分红
中国平安人寿保险股份有限公司-
                                  境内法人      19.34        38,670,000              -              -              -
万能-个险万能
中国平安财产保险股份有限公司-
                                  境内法人       9.67        19,330,000              -              -              -
传统-普通保险产品
中邮创业基金-华夏银行-华夏银
                                  境内法人       8.95        17,905,000              -              -              -
行股份有限公司
交银施罗德资管-交通银行-交通
                                  境内法人       8.95        17,905,000              -              -              -
银行股份有限公司
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
                                  境内法人       2.98         5,950,000              -              -              -
号单一资金信托
华宝信托有限责任公司-投资 2 号
                                  境内法人       2.98         5,950,000              -              -              -
资金信托
招商财富-邮储银行-中国邮政储
                                  境内法人       2.98         5,950,000              -              -              -
蓄银行股份有限公司
                                  1、中国平安人寿保险股份有限公司和中国平安财产保险股份有限公司为中国平安
                                  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
上述股东关联关系或一致行动的说
                                  限公司-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)
                            2017 年         比上年末          比上年末
           项 目                                                                       变动原因分析
                           9 月 30 日         增减额            增减幅
买入返售金融资产                 19,136        10,260            115.59%    买入返售债券规模增加
应收账款                         25,308        19,740            354.53%    应收无追索保理款项增加
可供出售金融资产                 35,113        33,934           2,878.20%   基期数小,可供出售债券投资规模增加
其他资产                         14,930         3,831             34.52%    应收清算过渡资金增加
向中央银行借款                  115,607        96,470            504.10%    基期数小,向央行借入款项增加
以公允价值计量且其变动
                                 10,591       (11,322)           (51.67%)   交易性黄金租赁应付款减少
计入当期损益的金融负债
预计负债                             60           (30)           (33.33%)   基期数小,上年末为 0.90 亿元
其他负债                         24,118        15,096            167.32%    应付清算过渡资金等增加
其他综合收益                      (435)           374          上年末为负   可供出售金融资产公允价值变动增加

           项 目          2017 年 1-9 月   同比增减额        同比增减幅                变动原因分析
                                                                            信用卡发卡和交易量增长带来手续费
手续费及佣金支出                  3,485         1,169             50.47%
                                                                            支出增加
投资收益                            644        (1,822)           (73.88%)   票据转让价差损益等减少
公允价值变动损益                     34           (76)           (69.09%)   基期数小,上年同期为 1.10 亿元
汇兑损益                            280         (288)            (50.70%)   汇率波动导致汇兑损益减少
其他业务收入                        130            43             49.43%    基期数小,上年同期为 0.87 亿元
                                                                            本年根据准则单列该报表项目,为政府
其他收益                            102           102        上年同期为零
                                                                            补助收入
税金及附加                          745        (2,355)           (75.97%)   上年 5 月 1 日起执行营改增政策的影响
营业外收入                           28           (24)           (46.15%)   基期数小,上年同期为 0.52 亿元
营业外支出                           89            52            140.54%    基期数小,上年同期为 0.37 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 8 月 14 日,本行 2017 年第一次临时股东大会审议通过了《平安银行股份有限公司关于
公开发行 A 股可转换公司债券并上市方案的议案》等相关议案。本行拟公开发行总额不超过人民币
260 亿元 A 股可转换公司债券(以下简称“本次发行”)。本次发行尚须经中国银监会、中国证监会

等监管机构核准后方可实施,并最终以前述监管机构核准的方案为准。




                                                         7
    有关具体内容请见本行于 2017 年 8 月 15 日刊登在《中国证券报》、《证券时报》、《上海证券报》、

《证券日报》和巨潮资讯网(www.cninfo.com.cn)上的相关公告。

         重要事项概述                披露日期                       临时报告披露网站查询索引
本行拟公开发行总额不超过人民                          《中国证券报》、《证券时报》、《上海证券报》、《证券日
                                 2017 年 8 月 15 日
币 260 亿元 A 股可转换公司债券                                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
    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 1,017 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                           -
 2016 年政策性银行债券                       2,640                 2.96   2021/2/18                          -
 2017 年商业银行债券                         2,500                 4.30   2020/9/5                           -
 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                          -
 2011 年政策性银行债券                       1,770                 2.16   2018/1/14                          -




                                                       8
    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               1,015,013                      1,758

利率衍生工具                                   833,882               1,311,998                        (57)

贵金属衍生工具                                 188,090                  139,301                    (2,677)

          合计                            1,818,280                  2,466,312                      (976)

   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,并不反映其实际风险暴露。
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较小。



    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
        2017/07/11                 实地调研                   机构
                                                                                        巨潮资讯网
        2017/08/11                 实地调研                   机构                  (www.cninfo.com.cn)
        2017/08/15                 实地调研                   机构                《平安银行股份有限公司
                                                                                  投资者关系活动记录表》
        2017/09/14                 投行会议                   机构



    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、履行精准扶贫社会责任情况
    □适用       √不适用




                                                    9
    十一、管理层讨论与分析
    (一)总体情况
    2017 年 1-9 月,国内经济总体保持平稳运行,“一带一路”战略稳步推进,供给侧结构性改革日
益见到成效,经济发展新动力不断形成。面对新时期的发展要求,本行全面推进零售转型战略,围
绕“科技引领、零售突破、对公做精”策略,推动以“互联网、智能化”为导向的零售银行转型,
以及以“三化两轻”(行业化、专业化、投行化、轻资本、轻资产)为导向的公司业务转型,高度重
视金融科技与银行经营管理的紧密结合,坚守合规经营和风险防控底线,各项业务稳健发展,战略
转型成效显现。全行经营情况具有以下特点:
    1、总体保持稳健发展
    2017 年 1-9 月,本行实现营业收入 798.33 亿元,同比降幅 2.60%(还原营改增前的营业收入同
比增幅 0.85%),其中手续费及佣金净收入 231.61 亿元,同比增长 5.54%。准备前营业利润 578.20
亿元,同比增长 2.96%;净利润 191.53 亿元,同比增长 2.32%,盈利能力保持稳定。成本收入比 26.64%,
同比下降 1.06 个百分点。
    2017 年 9 月末,本行资产总额 31,374.81 亿元,较上年末增长 6.23%;吸收存款余额 19,117.41
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)
16,468.24 亿元,较上年末增幅 11.59%,其中零售贷款(含信用卡)占比较上年末提升 8 个百分点至
45%。期末全行保本理财产品余额为 3,277.95 亿元、较上年末增幅 78.23%,非保本理财产品余额为
5,642.74 亿元、较上年末降幅 24.00%。
    2、零售转型成效显著
    本行深入推进智能化零售银行转型,充分发挥综合金融优势,在为客户提供不一样的极致体验
的同时,持续实现业务高效增长。
    (1)规模和效益均保持快速增长
    2017 年 9 月末,本行管理零售客户资产(AUM )10,215.03 亿元,较上年末增长 28.07%,零售
客户数(含借记卡和信用卡客户)达 6,574.26 万户,同口径较上年末增长 25.48%,其中私财客户 43.16
万户、较上年末增长 25.52%,私行达标客户 2.19 万户、较上年末增长 29.43%;信用卡流通卡量达
3,389 万张,较上年末增长 32.33%。零售存款余额 3,260.11 亿元、较上年末增长 21.18%,零售贷款
(含信用卡)余额 7,471.38 亿元、较上年末增长 38.12%;信用卡总交易金额 10,467.70 亿元,同比
增长 27.5%;平安口袋银行 APP 月活量 1,245 万,在股份制商业银行中名列前茅。2017 年 1-9 月,
零售业务营业收入 335.99 亿元、同比增长 38.03%,在全行营业收入中占比为 42%;零售业务净利润
125.06 亿元、同比增长 94.15%,在全行净利润中占比为 65%。
    (2)资产质量持续向好
    2017 年 1-9 月,本行零售业务不良率稳中有降,零售贷款(不含信用卡)不良率 1.20%,较上
年末下降 0.37 个百分点;其中,零售贷款(不含信用卡、个人经营性贷款)不良率 0.35%,较上年
末下降 0.25 个百分点。信用卡不良率 1.18%,较上年末下降 0.25 个百分点,信用卡资产质量保持稳


                                              10
定,9 月新迁入不良比例为近三年来最优水平。同时,零售主要贷款产品(新一贷、汽车贷款)由
未逾期迁徙到逾期 30 天以上的比例持续走低,风险预警指标趋势向好。
    (3)多项业务持续突破
    本行信用卡业务继续保持快速稳健增长。2017 年 9 月末,本年累计新增发卡 990.97 万张,同比
增长 54.81%,其中第三季度新发卡环比增长 57.38%。本行持续完善信用卡全流程风险管理体系,通
过部署网络申请专属评分体系,搭建大数据应用策略模型,并通过应用人脸识别、设备“指纹”、链
式反欺诈等前沿科技,构建智能化风控体系。
    2017 年 1-9 月,本行新一贷贷款新发放额 825.57 亿元,期末余额 1,137.47 亿元,不良率 0.69%。
本行针对各类客户消费偏好和需求特征,通过大数据、互联网+等科技手段,加快推进消费金融模式
升级和产品创新,以满足客户不同阶段的消费融资需求;并通过消费金融业务渗透更多年轻白领、
微小企业主等长尾客群,使银行服务惠及更多客群。同时,本行积极开辟消费金融业务线上通道,
借助网上银行、手机银行、微信、门户网站等互联网渠道打造一站式自助消费贷款平台,充分运用
互联网技术提升产品竞争力,实现消费金融业务申请办理的智能化和自动化,提升客户体验,实现
持续经营,助推消费升级。
    2017 年 1-9 月,本行汽车金融业务贷款新发放额 795.33 亿元、同比增长 38.8%,全行汽车贷款
余额 1,162.95 亿元、较上年末增幅 22.08%,市场份额继续保持同业领先地位。通过产品创新、授信
流程优化、运用科学风险量化模型及大数据策略等举措,本行汽车金融业务整体系统自动化审批占
比达 60%,其中二手车业务自动审批率达 33%,有效提升了客户体验并建立了行业领先优势。
    2017 年 1-9 月,本行优化客户场景经营,全面拥抱寿险,产品持续创新,落地销售积分制考核,
夯实智能 AI 的研发落地。在 2017 年 8 月末零售管理资产已超万亿,零售存款增速位列市场前列。
    (4)科技引领、服务创新
    2017 年 8 月 29 日,本行首家纯零售新门店“广州流花支行”正式开业,该网点充分融入社区
经营和生活,构建以“智能+O2O+客户体验”为核心的服务体系,让客户“到店即到家”,体验更亲
民;同时,嵌入丰富的“衣食住行”等多场景互动体验,体现了“轻型化、社区化、智能化、多元
化”的优势和特点,打造“更懂客户”的一站式综合金融 O2O 服务平台。
    同时,本行致力于将平安口袋银行 APP 打造成一站式综合金融移动服务平台。2017 年 8 月新推
出的口袋银行 4.0 版本,集成了先进的生物识别技术,通过智能化体验功能,可根据客户的交易记
录与风险偏好、为客户提供个性化的产品投资组合方案,并利用大数据分析技术、分析客户需求,
最终通过 APP 推送、呈现,为客户提供差异化的产品和服务。
    (5)综合金融发力、助推转型
    零售综拓新模式、集团销信用卡、银行销保险等综合金融业绩继续保持增长。2017 年 1-9 月,
综拓渠道迁徙客户新增 304.40 万、渠道占比 42.93%,其中私财客户新增 2.99 万户、渠道占比 34.09%;
客户资产余额新增 746.68 亿元,渠道占比 33.35%;新一贷发放额 268.51 亿元,渠道占比 32.52%;
信用卡通过集团渠道新发卡 433 万张、渠道占比 44%,其中第三季度集团渠道新发卡 258 万张、渠
道占比已升至 54%。零售全渠道代销集团保险累计实现非利息净收入 13.79 亿元,同比增幅 105.82%。

                                             11
    3、对公业务做深做精
    本行将“三化两轻”的经营理念进一步细化,形成了“1234 落地战略”,大对公业务未来发展
方向、盈利模式更加清晰。“1234 落地战略”指一条生命线(资产质量)、两大发展理念(行业化、
双轻)、三大保障基石(系统、考核、队伍)、四大实施路径(纯存款、真投行、主办行、KYB(中小
企业数据贷))。本行将通过“1234 落地战略”,引导大对公业务从利差经营转向“客户综合服务、效
率全流程提升”的经营模式。
    2017 年 1-9 月,本行持续推进公司银行业务转型,实现业务可持续发展。
    平台战略方面,本行持续扩大“橙 e 网、跨境 e、保理云、行 E 通”四大平台的影响力,进一
步向客户提供精益化的产品与服务。2017 年 9 月末,“橙 e 网”已为 992 个行业电商平台提供服务,
较上年末增加 176 个,不断对外输出本行的数字化供应链金融体系行业标准,先行优势更加巩固。
2017 年 1-9 月,“跨境 e 金融平台”交易规模 3,637.78 亿元,同比增幅 20.95%。“保理云平台”持续
升级扩容,用户达 5,717 家,较上年末增加 1,351 家;凭借在应收资产经营领域的创新与实践,“保
理云平台”荣获 2016 年“深圳市金融创新奖三等奖”。综合金融资产交易平台“行 E 通”的客户覆
盖面持续扩大,平台累计合作客户逾 1,800 家,较上年末增加超 400 家,同业渠道集聚效应明显。
    双轻业务发展方面,本行大力发展低风险权重、低资本零资本占用业务,充分利用集团综合金
融资源与平台,拓展渠道合作,开辟双轻收入来源。2017 年 1-9 月,在债券市场发行规模大幅下降
的情况下,本行债券承销业务市场份额稳步上升,截至 9 月末完成债券承销规模 710.30 亿元,其中
AAA 级客户发行规模占比 80%、AA+级以上客户发行规模占比 95%,市场份额由上年的 1.9%提升
至 2.4%。托管业务在市场竞争激烈、费率下行的形势下,本行实现托管费净收入 25.50 亿元,同比
基本持平;2017 年 9 月末,托管净值规模 6.17 万亿,较上年末增幅 13%。贵金属业务自营及代理交
易量位于股份制银行前列;2017 年 1-9 月新增黄金账户开户数 126 万户,存量客户数 476 万户,实
物金销售额居股份制银行前列。
    (1)精控规模
    本行主动实施业务结构与资产结构调整,保持对公资产规模的合理水平,提升资本使用效率。
2017 年 9 月末,对公整体资产实现结构性优化,公司贷款(含贴现)余额 8,996.86 亿元,占全行贷
款比例为 55%,较上年末下降 8 个百分点;对公贷款风险加权资产较上年末减少 429 亿元。
    (2)精耕客户
    本行聚焦体量大、弱周期、成长性好的行业,深度经营医疗健康、文化旅游、电子信息等行业
的金融业务,加强行业前瞻研究,规划行业开发进度,优化行业客户结构,深耕优质客户需求,严
控行业金融风险。
    在行业金融领域,本行积极运用“C+SIE+R”(核心客户+供应链/产业链/生态圈客户+零售客户)
行业金融模式,以主办行思维,集中优势资源投向高质量、高潜力客户,带动上下游供应链、产业
链以及生态圈客户,2017 年 1-9 月新增行业主流客户 958 户。本行采取差异化营销策略,面向大中
型客户,以名单制方式,采取“融资+融智、引资+引流、主办行”策略,力争成为客户的“商行+

                                             12
投行”双主办行;面向小型客户,以平台轻型模式提供快捷、批量的金融服务,有效控制风险、实
现价值回归。
    (3)严守资产质量
    本行构建全面风险管理体系,落实贷前、贷中、贷后规定动作,践行“一行一策、一户一策”,
严控新增业务质量,信贷资源和风险资产向风险可控的主办行、KYB 倾斜。存量资产方面,加强对
风险客户与低收益客户的追踪管理和适度退出,创新特管模式、加快资产清收。本行特殊资产管理
事业部自 2016 年末成立以来运行良好,通过精细化管理、集约模式运作和专业化经营,2017 年 1-9
月该事业部收回额为上年同期的 2.1 倍,不良资产收回额中 89%为现金收回、其余为以物抵债等方
式收回。事业部通过平台化、批量化、互联网、大数据等方式,践行创新清收之路,有效缓释了资
产质量风险,为全行利润做出了贡献。
    (4)精益效率
    本行通过平台赋能、培训提升、团队重构等方式,致力于促进人员产能和客户体验提升。2017
年 9 月 20 日,本行 KYB(中小企业数据贷)首单放款。客户从申请至计算授信额度耗时仅 26 秒;
客户面核面签后 2 分钟就完成了提款到账,真正做到了当天申请、当天放款。目前 KYB(中小企业
数据贷)已开启向市场全面推广的进程。
    4、风险管控有力有序
    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,本行特殊资产管理事业部自 2016 年底成立以来,通过提升系统化处理能力、实
施专业化经营,效果初步显现,加大不良资产清收处置力度,保持资产质量相对稳定。
    2017 年 1-9 月本行计提的资产减值损失为 328.20 亿元、同比增幅 3.81%,其中计提的贷款减值
损失为 315.88 亿元;2017 年 9 月末贷款减值准备余额为 438.02 亿元,较上年末增幅 9.69%;拨贷比
为 2.66%,较上年末减少 0.05 个百分点;拨备覆盖率为 152.11 %,较上年末减少 3.26 个百分点;不
良贷款率为 1.75%,较 2017 年 6 月末微降 0.01 个百分点,比上年末微升 0.01 个百分点。全行 2017
年 1-9 月收回不良资产总额 74.28 亿元、同比增幅 95%,其中信贷资产(贷款本金)69.33 亿元;收
回的贷款本金中,已核销贷款 27.26 亿元,未核销不良贷款 42.07 亿元;不良资产收回额中 80%以上
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
    本行持续实施网点智能化建设,合理配置网点布局,2017 年 1-9 月新增 8 家分行,其中第三季
度新增 4 家分行(晋中、南昌、宜昌和济宁分行)。截至 2017 年 9 月末,本行有 68 家分行、共 1,080
家营业机构。




                                             13
     (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 9 月 30 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                         1,554,016         94.36%     1,389,396         94.15%             11.85%

关注贷款                            64,012          3.89%       60,703           4.11%              5.45%

不良贷款                            28,796          1.75%       25,702           1.74%             12.04%

其中:次级                          16,671          1.01%       13,833           0.94%             20.52%

      可疑                           3,357          0.21%        4,494           0.30%           (25.30%)

      损失                           8,768          0.53%        7,375           0.50%             18.89%

发放贷款和垫款总额               1,646,824        100.00%     1,475,801       100.00%              11.59%

发放贷款和垫款减值准备            (43,802)                     (39,932)                             9.69%

不良贷款率                          1.75%                        1.74%                      +0.01 个百分点

拨备覆盖率                        152.11%                      155.37%                      -3.26 个百分点

逾期 90 天以上贷款拨备覆盖率      101.89%                       98.51%                      +3.38 个百分点

拨贷比                              2.66%                        2.71%                      -0.05 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)
                                   2017 年 9 月 30 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                           899,686          2.21%      934,857           1.87%      +0.34 个百分点

其中:一般企业贷款                 880,970          2.26%      920,011           1.90%      +0.36 个百分点

      贴现                          18,716               -      14,846                -                  -

个人贷款                           494,725          1.20%      359,859           1.57%      -0.37 个百分点

其中:住房按揭贷款                 135,818          0.08%       85,229           0.13%      -0.05 个百分点

      经营性贷款                   106,011          4.32%       97,534           4.17%      +0.15 个百分点

      汽车贷款                     116,295          0.55%       95,264           0.89%      -0.34 个百分点

      其他(注)                   136,601          0.46%       81,832           0.75%      -0.29 个百分点

信用卡应收账款                     252,413          1.18%      181,085           1.43%      -0.25 个百分点

发放贷款和垫款总额               1,646,824          1.75%     1,475,801          1.74%      +0.01 个百分点

     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。



                                                   14
    个人不良贷款率较上年末有所下降:(1)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。(2)本行持续调
整存量经营性贷款业务结构,对风险相对较高的信用类贷款等予以退出,或采取增信措施转化为风

险相对较低的产品;同时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,总体风
险在可控范围之内。(3)本行通过调整汽车贷款业务结构,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,本行持续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,

个人贷款整体资产质量稳定可控。
    本行贯彻全流程的信用卡业务风险管理理念,充分利用量化工具,有效管控风险。一方面,持

续贯彻全流程的风险管理理念,通过大数据、应用评分模型等科学工具全面优化风险管理策略,有
效改善新户获客结构与品质,优化存量结构,确保组合资产可持续发展。另一方面,在降低新增不
良的同时,本行通过优化催收策略和提高催收管理能力,有效提升不良资产清收能力。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。


    3、逾期贷款情况

                                                                             (货币单位:人民币百万元)

                                  2017 年 9 月 30 日    2017 年 6 月 30 日        2016 年 12 月 31 日
             项 目                          占贷款总              占贷款总                   占贷款总
                                  余额                  余额                       余额
                                               额比                  额比                      额比
 本金和利息逾期 90 天以内贷款      17,381       1.06%    23,922       1.50%         18,572       1.26%

 本金或利息逾期 90 天以上贷款      42,991       2.61%    43,209       2.71%         40,536       2.75%

    2017 年 9 月末,本行逾期 90 天以内贷款(含本金未逾期,利息逾期 90 天以内贷款)余额 173.81

亿元,较上年末降幅 6.41%,较 2017 年 6 月末降幅 27.34%;本行逾期 90 天以上贷款(含本金未逾
期,利息逾期 90 天以上贷款)余额 429.91 亿元,较上年末增幅 6.06%,较 2017 年 6 月末降幅 0.50%。

逾期 90 天以上贷款金额和占比较半年度末实现“双降”。




                                                15
       (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情况
                                                                               (货币单位:人民币百万元)
                                          2017 年 1-9 月                            2016 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(不含贴现)    1,561,446         69,781         5.98%    1,281,968         62,617         6.52%

债券投资                       410,208          10,673         3.48%     343,811           8,618         3.35%

存放央行                       277,573           3,133         1.51%     282,046           3,139         1.49%

票据贴现及同业业务             738,185          22,416         4.06%     753,916          21,004         3.72%

其他                            91,458           2,872         4.20%      80,366           2,625         4.36%

生息资产总计                  3,078,870        108,875         4.73%    2,742,107         98,003         4.77%

负债

吸收存款                      1,890,411         27,221         1.93%    1,854,597         27,184         1.96%

发行债券                       334,004          10,394         4.16%     283,552           7,093         3.34%

   其中:同业存单              300,261           8,963         3.99%     257,123           5,889         3.06%

同业业务及其他                 638,630          15,778         3.30%     403,963           6,934         2.29%

计息负债总计                  2,863,045         53,393         2.49%    2,542,112         41,211         2.17%

利息净收入                                      55,482                                    56,792

存贷差                                                         4.05%                                     4.56%

净利差                                                         2.24%                                     2.60%

净息差                                                         2.41%                                     2.77%

       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 1-9 月贷款收益率同比存在
 较大幅度的下降;同时,受同业业务市场利率上行等因素影响,2017 年 1-9 月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。




                                                     16
                                          2017 年 7-9 月                             2017 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(不含贴现)    1,604,481         23,975         5.93%     1,576,835         23,356          5.94%

债券投资                       445,261           4,014         3.58%      399,955           3,432          3.44%

存放央行                       271,303           1,048         1.53%      283,029           1,057          1.50%

票据贴现及同业业务             677,400           7,162         4.19%      755,022           7,766          4.13%

其他                            97,175           1,028         4.20%       95,702               992        4.16%

生息资产总计                  3,095,620         37,227         4.77%     3,110,543         36,603          4.72%

负债

吸收存款                      1,879,439          9,679         2.04%     1,901,085          9,115          1.92%

发行债券                       347,351           3,938         4.50%      306,945           3,213          4.20%

    其中:同业存单             306,472           3,374         4.37%      276,828           2,777          4.02%

同业业务及其他                 648,054           5,489         3.36%      682,182           5,783          3.40%

计息负债总计                  2,874,844         19,106         2.64%     2,890,212         18,111          2.51%

利息净收入                                      18,121                                     18,492

存贷差                                                         3.89%                                       4.02%

净利差                                                         2.13%                                       2.21%

净息差                                                         2.32%                                       2.38%

       本行持续优化业务结构,个人贷款规模和占比增加,带来生息资产收益率较上季度有所提升;
 但受市场因素影响,计息负债成本率环比提升,导致存贷差、净利差、净息差环比下降。


         2、发放贷款和垫款日均余额及平均收益率
                                                                                   (货币单位:人民币百万元)
                                          2017 年 1-9 月                             2016 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

企业贷款(不含贴现)           934,006          31,621         4.53%      823,272          31,019          5.03%

个人贷款                       627,440          38,160         8.13%      458,696          31,598          9.20%

发放贷款和垫款(不含贴现)    1,561,446         69,781         5.98%     1,281,968         62,617          6.52%



                                          2017 年 7-9 月                             2017 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

企业贷款(不含贴现)           915,359          10,374         4.50%      954,126          10,708          4.50%

个人贷款                       689,122          13,601         7.83%      622,709          12,648          8.15%

发放贷款和垫款(不含贴现)    1,604,481         23,975         5.93%     1,576,835         23,356          5.94%



                                                     17
     3、吸收存款日均余额及平均成本率

                                                                                 (货币单位:人民币百万元)
                                          2017 年 1-9 月                              2016 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

企业存款                      1,352,336         19,876         1.97%      1,266,626         19,363          2.04%

其中:活期                     508,229           2,357         0.62%        456,381          1,845          0.54%

      定期                     844,107          17,519         2.77%        810,245         17,518          2.89%

      其中:国库及协议存款      98,081           3,318         4.52%        139,973          4,644          4.43%

保证金存款                     274,825           3,948         1.92%        335,513          4,695          1.87%

个人存款                       263,250           3,397         1.73%        252,458          3,126          1.65%

其中:活期                     130,712             307         0.31%        122,003           300           0.33%

      定期                     132,538           3,090         3.12%        130,455          2,826          2.89%

吸收存款                      1,890,411         27,221         1.93%      1,854,597         27,184          1.96%



                                          2017 年 7-9 月                              2017 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

企业存款                      1,364,341          7,088         2.06%      1,355,206          6,607          1.96%

其中:活期                     486,066             760         0.62%        513,955           804           0.63%

      定期                     878,275           6,328         2.86%        841,251          5,803          2.77%

      其中:国库及协议存款     100,275           1,154         4.57%         97,864          1,090          4.47%

保证金存款                     247,122           1,335         2.14%        270,869          1,286          1.90%

个人存款                       267,976           1,256         1.86%        275,010          1,222          1.78%

其中:活期                     133,457             105         0.31%        132,821           104           0.31%

      定期                     134,519           1,151         3.39%        142,189          1,118          3.15%

吸收存款                      1,879,439          9,679         2.04%      1,901,085          9,115          1.92%



     十二、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 9 月 30 日             2016 年 12 月 31 日

 核心一级资本净额                                                           182,763                        170,088

 其他一级资本                                                                19,953                         19,953

 一级资本净额                                                               202,716                        190,041

 二级资本                                                                    45,122                         44,346

 资本净额                                                                   247,838                        234,387



                                                     18
风险加权资产合计                                                           2,197,329                        2,033,715

    信用风险加权资产                                                       1,992,521                        1,828,931

         表内风险加权资产                                                  1,804,243                        1,607,471

         表外风险加权资产                                                   185,165                           217,364

         交易对手信用风险暴露的风险加权资产                                      3,113                          4,096

    市场风险加权资产                                                          31,008                           30,984

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

核心一级资本充足率                                                            8.32%                            8.36%

一级资本充足率                                                                9.23%                            9.34%

资本充足率                                                                   11.28%                           11.53%




    (二)杠杆率

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

杠杆率                                      5.75%                5.62%                    5.58%                5.49%

一级资本净额                               202,716              196,648                  194,051              190,041

调整后表内外资产余额                      3,526,424           3,501,389              3,476,192              3,458,490
    注:主要因核心一级资本净额增加,报告期末杠杆率较 2017 年 6 月末增加。



    (三)流动性覆盖率

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

流动性覆盖率                                                                90.02%                            95.76%

合格优质流动性资产                                                          271,454                           383,670

净现金流出                                                                  301,546                           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 2016 年底及 2017 年底前分别达到 80%、90%。




                                                      19
                               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)




                                        20
                                 平安银行股份有限公司
                                       资产负债表
                                     2017年9月30日
                                                             货币单位:人民币百万元
资 产                                              2017年9月30日       2016年12月31日
现金及存放中央银行款项                                      279,706             311,258
存放同业款项                                                167,090             166,882
贵金属                                                       89,534              93,787
拆出资金                                                     79,892              97,450
以公允价值计量且其变动计入当期损益的金融资产                 41,327              57,179
衍生金融资产                                                  6,275               8,730
买入返售金融资产                                             19,136               8,876
应收账款                                                     25,308               5,568
应收利息                                                     18,724              15,770
发放贷款和垫款                                            1,603,022           1,435,869
可供出售金融资产                                             35,113               1,179
持有至到期投资                                              329,181             286,802
应收款项类投资                                              385,680             414,278
投资性房地产                                                    212                 221
固定资产                                                      7,883               8,316
无形资产                                                      4,580               4,771
商誉                                                          7,568               7,568
递延所得税资产                                               22,320              17,831
其他资产                                                     14,930              11,099
资产总计                                                  3,137,481           2,953,434

负债和股东权益
向中央银行借款                                              115,607               19,137
同业及其他金融机构存放款项                                  407,088              392,351
拆入资金                                                     44,756               52,586
以公允价值计量且其变动计入当期损益的金融负债                 10,591               21,913
衍生金融负债                                                  6,732                8,349
卖出回购金融资产款                                           19,646               18,941
吸收存款                                                  1,911,741            1,921,835
应付职工薪酬                                                  8,574                9,289
应交税费                                                      9,685               12,754
应付利息                                                     22,466               21,532
应付债券                                                    338,306              263,464
预计负债                                                         60                   90
其他负债                                                     24,118                9,022
负债合计                                                  2,919,370            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                                                   (435)                (809)
盈余公积                                                     10,781               10,781
一般风险准备                                                 34,468               34,468
未分配利润                                                   79,709               64,143
股东权益合计                                                218,111              202,171
负债和股东权益总计                                        3,137,481            2,953,434




          谢永林                        胡跃飞                             韩旭
          董事长                        行长                           会计机构负责人
        法定代表人                主管会计工作负责人

                                          21
                                       平安银行股份有限公司
                                             利润表
                                           2017年1-9月

                                                                         货币单位:人民币百万元
                     项   目                  2017年7-9月 2016年7-9月 2017年1-9月 2016年1-9月

一、营业收入                                        25,760     27,199         79,833         81,968
    利息净收入                                      18,121     19,197         55,482         56,792
        利息收入                                    37,227     32,919        108,875         98,003
        利息支出                                    19,106     13,722         53,393         41,211
    手续费及佣金净收入                               7,413      6,896         23,161         21,945
        手续费及佣金收入                             8,777      7,678         26,646         24,261
        手续费及佣金支出                             1,364        782          3,485          2,316
    投资收益                                          (95)        858           644           2,466
    公允价值变动损益                                    17        (50)           34            110
    汇兑损益                                           228        285           280            568
    其他业务收入                                        35         13           130             87
    其他收益                                            41          -           102              -
二、营业支出                                         8,124      7,195         22,013         25,808
    税金及附加                                         242        261           745           3,100
    业务及管理费                                     7,882      6,934         21,268         22,708
三、准备前营业利润                                  17,636     20,004         57,820         56,160
    资产减值损失                                     9,104     11,615         32,820         31,615
四、营业利润                                         8,532      8,389         25,000         24,545
    加:营业外收入                                      13         23            28             52
    减:营业外支出                                      38          6            89             37
五、利润总额                                         8,507      8,406         24,939         24,560
    减:所得税费用                                   1,908      1,979          5,786          5,841
六、净利润                                           6,599      6,427         19,153         18,719
七、其他综合收益的税后净额                              58        101           374            245
    以后将重分类进损益的其他综合收益                    58        101           374            245
       1.权益法下在被投资单位以后将重分类进
                                                        -           -             -             (4)
       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                58        101            374            249
八、综合收益总额                                     6,657      6,528         19,527         18,964
九、每股收益
(一)基本每股收益                                    0.38       0.37           1.06           1.09
(二)稀释每股收益                                    0.38       0.37           1.06           1.09



               谢永林                         胡跃飞                            韩旭
               董事长                           行长                        会计机构负责人
             法定代表人                 主管会计工作负责人


                                               22
                                        平安银行股份有限公司
                                              现金流量表
                                            2017年1-9月
                                                                              货币单位:人民币百万元
                      项   目                               2017年1-9月               2016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                                           96,421                     7,553
    吸收存款和同业存放款项净增加额                                    3,641                   113,563
    拆入资金净增加额                                                      -                       785
    卖出回购款项净增加额                                                697                         -
    应收账款的净减少额                                                    -                       920
    买入返售款项净减少额                                              1,914                    27,800
    收取利息、手续费及佣金的现金                                    113,328                    99,405
    收到其他与经营活动有关的现金                                     22,845                     7,946
          经营活动现金流入小计                                      238,846                   257,972
    存放中央银行及同业款项增加额                                     53,754                    59,220
    拆出资金净增加额                                                 21,900                    14,475
    拆入资金净减少额                                                  7,829                         -
    应收账款的净增加额                                               19,740                         -
    应付账款的净减少额                                                    -                        44
    发放贷款和垫款净增加额                                          202,265                   239,188
    卖出回购款项净减少额                                                  -                    11,001
    支付利息、手续费及佣金的现金                                     44,250                    37,291
    支付给职工及为职工支付的现金                                     11,310                    11,060
    支付的各项税费                                                   19,966                    11,059
    支付其他与经营活动有关的现金                                     15,819                    27,576
          经营活动现金流出小计                                      396,833                   410,914
          经营活动产生的现金流量净额                               (157,987)                 (152,942)

二、投资活动产生的现金流量:
    收回投资收到的现金                                              403,935                 1,626,197
    取得投资收益收到的现金                                           24,149                    21,757
    处置固定资产、投资性房地产等长期资产收回的现金                        4                         -
          投资活动现金流入小计                                      428,088                 1,647,954
    投资支付的现金                                                  445,698                 1,744,210
    购建固定资产、无形资产和其他长期资产支付的现金                      857                       906
          投资活动现金流出小计                                      446,555                 1,745,116
          投资活动产生的现金流量净额                                (18,467)                  (97,162)

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                                              721,719                  609,764
          筹资活动现金流入小计                                      721,719                  629,764
  偿还债务支付的现金                                               644,980                  503,190
    偿付债券利息支付的现金                                            1,884                    1,369
    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                                                3,587                    2,189
          筹资活动现金流出小计                                      650,451                  506,796
          筹资活动产生的现金流量净额                                 71,268                  122,968

四、汇率变动对现金及现金等价物的影响                                 (2,285)                    1,546

五、现金及现金等价物净减少额                                       (107,471)                 (125,590)
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                                        125,943                  135,751




         谢永林                              胡跃飞                             韩旭                    2
         董事长                              行长                         会计机构负责人
       法定代表人                      主管会计工作负责人

                                                 23
二、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

                                           2017 年 10 月 21 日




                             24