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2019年09月15日 星期天

贵阳银行(601997)公告正文

贵阳银行:2016年年度报告摘要

公告日期:2017-04-15

贵阳银行股份有限公司                                2016 年年度报告摘要




      贵阳银行股份有限公司 2016 年年度报告摘要

一、 重要提示

      (一) 本年度报告摘要来自贵阳银行股份有限公司(以下简称“本
行”“公司”)年度报告全文,为全面了解本行的经营成果、财务状
况及未来发展规划,投资者应当到证监会指定媒体仔细阅读年度报告
全文。
      (二) 本行董事会、监事会及董事、监事、高级管理人员保证年
度报告内容的真实、准确、完整,不存在虚假记载、误导性陈述或重

大遗漏,并承担个别和连带的法律责任。
      (三) 未出席董事情况

        未出席董事姓名      未出席原因          委托情况

       曾康霖 独立董事         公务      委托罗宏独立董事表决


      (四) 本行2016年度财务报告已经天健会计师事务所(特殊普通
合伙)审计,并被出具了标准无保留意见的审计报告。
      (五) 经董事会审议的报告期利润分配预案。

      本行董事会建议,以总股本22.99亿股为基数,向登记在册的全
体股东每10股派送现金股利2.6元人民币(含税),共计派发现金股利
5.98亿元(含税)。

      上述预案尚待股东大会批准。




                                -1-
贵阳银行股份有限公司                                                    2016 年年度报告摘要



二、 公司基本情况

(一)公司简介

                                        公司股票简况

  股票种类             股票上市交易所              股票简称               股票代码

  普通股A股            上海证券交易所              贵阳银行                601997




公司的中文名称                                贵阳银行股份有限公司

公司的中文简称                                贵阳银行

公司的外文名称                                BANK OF GUIYANG CO.LTD.

公司的外文名称缩写                            BANK OF GUIYANG

公司的法定代表人                              陈宗权




董事会秘书                       董静

证券事务代表                     李虹檠

联系地址                         贵州省贵阳市云岩区中华北路77号

电话                             0851-86859036

传真                             0851-86859053

电子邮箱                         gysh_2007@126.com




                                            -2-
贵阳银行股份有限公司                               2016 年年度报告摘要



(二)公司主要业务及行业情况说明

      1. 公司经营范围
      人民币业务:吸收公众存款;发放短期、中期和长期贷款;办理
国内结算;办理票据贴现、承兑;发行金融债券;代理发行、代理兑
付、承销政府债券;买卖政府债券;从事同业拆借;提供信用证服务
及担保;代理收付款项及代理保险业务;提供保险箱业务;办理地方
财政信用周转使用资金的委托贷款业务;基金销售;经监管机构批准

的各项代理业务。外汇业务:外汇存款;外汇贷款;外汇汇款;国际
结算;外币兑换;同业外汇拆借;结汇、售汇;资信调查、咨询和见
证业务。经监管机构批准的其他业务。

      2. 公司所处行业发展情况
      2016 年,我国银行业总体保持稳健运行,改革和转型深入推进,
服务供给侧结构性改革取得实质性进展,服务质量和效率稳步提升,
重点领域风险管控得到加强。中国银监会数据显示,2016 年末,我
国银行业金融机构本外币资产总额为 232 万亿元,同比增长 15.8%,
不同类型的银行业金融机构资产增速出现分化,其中城市商业银行增
速较快。2016 年商业银行实现净利润 1.65 万亿元,同比增长 3.54%,
较去年实现小幅回升,中小银行表现更为突出。截至 2016 年末,商
业银行不良贷款余额 1.51 万亿元,较上季末增加 183 亿元;商业银
行不良贷款率 1.74%,较上季末下降 0.02 个百分点,全年信贷资产
质量整体平稳,重点领域风险管控加强,守住了不发生系统性、区域
性金融风险的底线。
      面向 2017 年,随着“一带一路”、长江经济带等国家战略深入实
施,供给侧结构性改革的系统性和协同性增强,以市场为导向的结构

                                -3-
贵阳银行股份有限公司                            2016 年年度报告摘要



性体制和治理改革加快,中国经济筑底条件得到巩固。宏观调控部门
将继续实施稳健的货币政策和积极的财政政策,为经济增长和供给侧
结构性改革营造了适宜的政策空间,银行业经营环境将有所改善,行
业发展呈现如下特点:一是金融业综合经营试点效应显现,商业银行
加快推进非银行金融机构设立,在金融混业创新上不断突破。二是向
轻型银行转型日益受到关注,银行业将更多地从“重资产”向“轻资
产”“轻渠道”“轻流程”转变。三是随着 PPP 项目发力、新兴行业
加快形成、债券市场开放提速等结构性机遇凸显,以投贷联动、绿色
金融、ABS 等为代表的创新金融服务模式不断涌现。四是消费金融成
为零售银行业务新增长极。在政策红利不断释放、居民收入持续增长、
消费结构加速升级的背景下,消费金融市场仍有巨大提升空间。五是
各银行加快推进数字化进程,不断创新完善互联网金融产品,支付和
直销银行成为银行互联网化发展的重点领域。六是监管的全面性将明
显提高,尤其是 MPA 考核体系不断丰富,表外理财、应收及预付款被
正式纳入 MPA 广义信贷指标范围,对银行业的同业、债券、股权和其
他投资配置及理财规模等约束力更强,监管环境更趋严格。




                             -4-
     贵阳银行股份有限公司                                                               2016 年年度报告摘要



     (三)主要会计数据和财务指标
     1.近三年主要会计数据和财务指标
经营业绩(人民币 千元)           2016 年               2015 年          本年较上年增减(%)          2014 年
营业收入                             10,159,448            7,705,192                   31.85             5,742,986
营业利润                              4,197,460            3,892,504                    7.83             2,971,750
利润总额                              4,252,379            3,924,929                    8.34             2,996,791
归属于母公司股东的净利润              3,654,319            3,221,807                   13.42             2,435,736
归属于母公司股东的扣除非经
                                      3,627,256              3,207,690                  13.08             2,422,468
常性损益的净利润
经营活动产生的现金流量净额           68,461,132             37,853,460                  80.86            13,641,827
每股计(人民币 元/股)
基本每股收益                               1.86                   1.79                   3.91                  1.35
稀释每股收益                               1.86                   1.79                   3.91                  1.35
扣除非经常性损益后的基本每
                                           1.85                   1.78                   3.93                  1.35
股收益
每股经营活动产生的现金流量
                                          29.78                  21.05                  41.47                  7.58
净额
归属于母公司股东的每股净资
                                           9.20                   7.76                  18.56                  5.87

盈利能力指标(%)
全面摊薄净资产收益率                      17.29                  23.09    下降 5.80 个百分点                  23.09
加权平均净资产收益率                      21.67                  26.37    下降 4.70 个百分点                  26.44
扣除非经常性损益后全面摊薄
                                          17.16                  22.99    下降 5.83 个百分点                  22.96
净资产收益率
扣除非经常性损益后加权平均
                                          21.51                  26.26    下降 4.75 个百分点                  26.29
净资产收益率
总资产收益率                               1.21                   1.64    下降 0.43 个百分点                   1.76
净利差                                     2.76                   3.45    下降 0.69 个百分点                   3.93
净息差                                     2.88                   3.62    下降 0.74 个百分点                   4.05
资本充足率指标(%)
资本充足率                                13.75                  13.54    上升 0.21 个百分点                  13.54
一级资本充足率                            11.51                  10.68    上升 0.83 个百分点                  10.81
资产质量指标(%)
不良贷款率                                 1.42                  1.48     下降 0.06 个百分点                   0.81
拨备覆盖率                               235.19                239.98     下降 4.79 个百分点                 400.43
拨贷比                                     3.33                  3.56     下降 0.23 个百分点                   3.26
效率分析(%)
成本收入比                                25.60                  26.43     下降 0.83 个百分点                 27.19
利息回收率                                94.12                  98.09     下降 3.97 个百分点                 99.43
规模指标                                                                 本年末较上年同期
                             2016 年 12 月 31 日   2015 年 12 月 31 日                           2014 年 12 月 31 日
(人民币 千元)                                                          末增减(%)
资产总额                            372,253,194            238,196,550                   56.28          156,099,533
负债总额                            350,253,486            224,062,667                   56.32          145,388,320
归属于母公司股东的所有者权
                                     21,137,231             13,954,060                  51.48            10,549,504

存款总额                            262,998,070            180,987,014                  45.31           130,451,820
贷款总额                            102,493,710             83,174,241                  23.23            70,070,899
贷款损失准备                         -3,414,816             -2,960,374                  15.35            -2,285,213

     注:根据《公开发行证券的公司信息披露内容与格式准则第 2 号——年度报告的内容与格式(2016 年修订)》《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)》规定计算

                                                     -5-
   贵阳银行股份有限公司                                                                     2016 年年度报告摘要



                                                                                         单位:人民币 千元
                     非经常性损益项目                              2016 年               2015 年            2014 年

非流动性资产处置损益,包括已计提资产减值准备的冲销部分                   -481                     -443               -355
计入当期损益的政府补助(与公司正常经营业务密切相关,符
合国家政策规定、按照一定标准定额或定量持续享受的政府补                 57,646                34,004                33,502
助除外)
除上述各项之外的其他营业外收支净额                                      -2,246                   -1,136            -8,106

少数股东权益影响额                                                     -13,115                   -9,687            -3,990

所得税影响额                                                           -14,741                   -8,621            -7,783

合计                                                                   27,063                14,117                13,268




   2.资本结构及变化情况
                                                                                            单位:人民币 千元
                                   2016 年 12 月 31 日                              2015 年 12 月 31 日
        项目
                               合并                 非合并                       合并                     非合并

核心一级资本净额                 21,745,204               19,558,266              14,095,738                13,764,947

一级资本净额                     21,761,185               19,558,266              14,100,745                13,764,947

资本净额                         25,999,496               23,693,333              17,877,499                17,493,272

风险加权资产合计                189,072,065              178,754,858             131,997,503               129,299,531

信用风险加权资产                165,167,091              155,232,661             114,675,280               112,214,633

市场风险加权资产                  9,451,384                9,451,384               6,499,455                 6,499,455

操作风险加权资产                 14,453,590               14,070,813              10,822,769                10,585,442

核心一级资本充足率                    11.50%                   10.94                    10.68%                 10.65%

一级资本充足率                        11.51%                   10.94                    10.68%                 10.65%

资本充足率                            13.75%                   13.25                    13.54%                 13.53%

   注:1.按照 2012 年 6 月 8 日中国银监会发布的《商业银行资本管理办法(试行)》中的相关规定,信用风

   险采用权重法、市场风险采用标准法、操作风险采用基本指标法计量

       2.根据《商业银行资本管理办法(试行)》(中国银行业监督管理委员会令 2012 年第 1 号)第一百七

   十四条、第一百七十五条相关规定,“达标过渡期内,商业银行应当同时按照《商业银行资本充足率管理办

   法》和本办法计量并披露并表和非并表资本充足率”,并明确相关信息披露内容;以上为根据《商业银行资

   本管理办法(试行)》计量的资本充足率相关数据及信息




                                                   -6-
         贵阳银行股份有限公司                                                                 2016 年年度报告摘要



         3.杠杆率
                                                                                        单位:人民币 千元
                                                   2016 年 12 月 31 日                   2015 年 12 月 31 日
                   项目
                                                合并                  非合并          合并               非合并

    杠杆率(%)                                          5.20                  4.82           5.07                5.02

    一级资本净额                                 21,761,185             19,558,266     14,100,745          13,764,947

    调整后的表内外资产余额                      410,865,409            397,537,064    272,097,251        268,215,230




         4.流动性覆盖率
                                                                                        单位:人民币 千元
                    项目                                   合并                               非合并

     合格优质流动性资产                                               52,428,421                         49,721,740

     现金净流出量                                                     37,053,090                         36,734,796

     流动性覆盖率(%)                                                    141.5                                135.35




         5.贷款五级分类情况
                                                                                             单位:人民币 千元

                  2016 年 12 月 31 日                  2015 年 12 月 31 日                      同比差异
  项目
                  余额          占比(%)              余额           占比(%)       金额                 比例(%)

正常类             96,990,342           94.63          78,090,701            93.89     18,899,641      上升 0.74 个百分点

关注类              4,051,423            3.95           3,849,973              4.63      201,450       下降 0.68 个百分点

次级类                756,749            0.74             860,856              1.04      -104,107      下降 0.30 个百分点

可疑类                335,010            0.33             296,691              0.36        38,318      下降 0.03 个百分点

损失类                360,186            0.35              76,019              0.09      284,168       上升 0.26 个百分点

贷款总额          102,493,710                          83,174,241                      19,319,470




                                                                -7-
   贵阳银行股份有限公司                                                                   2016 年年度报告摘要



   6.报告期分季度主要财务数据
                                                                                    单位:人民币 千元
                                              第一季度          第二季度            第三季度           第四季度
                                            (1-3 月份)      (4-6 月份)        (7-9 月份)      (10-12 月份)
营业收入                                        2,192,140           2,178,445         2,693,068           3,095,795

营业利润                                          906,696            861,015          1,336,574           1,093,175

利润总额                                          908,930            859,596          1,337,607           1,146,246

归属于母公司股东的净利润                          808,768            734,347          1,154,977            956,227
归属于母公司股东的扣除非经常性损益
                                                  807,230            735,449          1,154,481            930,096
的净利润
经营活动产生的现金流量净额                     11,383,738          22,441,055         1,687,405          32,948,934




   (四)股东情况

   1.股东总数

截止报告期末普通股股东总数(户)                                                                              109131

年度报告披露日前上一月末的普通股股东总数(户)                                                                 87502




   2.截止报告期末前十名股东、前十名流通股东(或无限售条件股东)
   持股情况表

                                             前十名股东持股情况

                       报告期内增                                  持有有限售       质押或冻结情况
     股东名称                                               比例
                                 1       期末持股数量              条件股份数      股份                  股东性质
     (全称)               减                              (%)                              数量
                                                                       量          状态
贵阳市国有资产投资
                       -18,902,524          331,097,476     14.4    331,097,476     无               -   国有法人
管理公司
贵州产业投资(集团)
                          -8,101,082        141,898,918     6.17    141,898,918     无               -   国有法人
有限责任公司
遵义市国有资产投融
                          -5,400,721
资经营管理有限责任                           94,599,279     4.12     94,599,279     无               -   国有法人
公司
贵州神奇投资有限公                                                                                       境内非国
                                     -       71,513,442     3.11     71,513,442    质押    71,510,000
司                                                                                                       有法人
贵阳金阳建设投资          -3,780,505
                                             66,219,495     2.88     66,219,495     无               -   国有法人
(集团)有限公司
贵州燃气集团股份有                                                                                       境内非国
                                     -       52,340,000     2.28     52,340,000     无               -
限公司                                                                                                   有法人
新余汇禾投资管理有                                                                                       境内非国
                                     -       50,000,000     2.18     50,000,000    质押    50,000,000
限公司                                                                                                   有法人
全国社会保障基金理
                        49,625,892           49,625,892     2.16     49,625,892     无               -   国家
事会转持二户


                                                     -8-
  贵阳银行股份有限公司                                                             2016 年年度报告摘要


贵阳市工业投资(集       -2,700,361
                                          47,299,639    2.06   47,299,639   质押    40,000,000   国有法人
团)有限公司
中国贵州茅台酒厂
(集团)有限责任公       -2,160,288       37,839,712    1.65   37,839,712    无              -   国有法人

                                      前十名无限售条件股东持股情况

                                          持有无限售条件流                  股份种类及数量
              股东名称
                                            通股的数量               种类                    数量
全国社保基金一一六组合                           15,840,912      人民币普通股                    15,840,912
全国社保基金四一四组合                           11,999,916      人民币普通股                    11,999,916
周道忠                                           11,077,839      人民币普通股                    11,077,839
新华人寿保险股份有限公司-分红-个人
                                                  9,136,927      人民币普通股                     9,136,927
分红-018L-FH002 沪
招商银行股份有限公司-兴全轻资产投资
                                                  8,298,688      人民币普通股                     8,298,688
混合型证券投资基金(LOF)
新华人寿保险股份有限公司-分红-团体
                                                  8,280,633      人民币普通股                     8,280,633
分红-018L-FH001 沪
兴业银行股份有限公司-兴全趋势投资混
                                                  7,876,048      人民币普通股                     7,876,048
合型证券投资基金
中国建设银行股份有限公司-万家精选混
                                                  7,528,129      人民币普通股                     7,528,129
合型证券投资基金
兴业银行股份有限公司-兴全新视野灵活
                                                  6,048,574      人民币普通股                     6,048,574
配置定期开放混合型发起式证券投资基金
招商银行股份有限公司-兴全合润分级混
                                                  5,990,869      人民币普通股                     5,990,869
合型证券投资基金
上述股东关联关系或一致行动的说明          无
表决权恢复的优先股股东及持股数量的说      无





  三、 公司业务概要

  (一)报告期内的总体经营情况
         2016 年,本行实现公开上市,及时补充了一级资本,提升了风
  险抵御能力,为推进本行各项业务实现平稳健康发展奠定了更为坚实
  的基础。报告期内,本行坚守“服务地方、服务中小、服务市民”的
  市场定位,借助地缘优势,深耕本地市场,保持了良好的发展态势。
         报告期内,经营效益稳步提升。全年实现营业收入 101.59 亿元,
  较上年增加 24.54 亿元,增长 31.85%;实现归属于母公司所有者的
  净利润 36.54 亿元,较上年增加 4.33 亿元,增长 13.42%;母公司实
  现中间业务收入 15.02 亿元,同比增长 104.09%,中间业务收入占营

                                                  -9-
贵阳银行股份有限公司                                2016 年年度报告摘要



业收入的 15.23%;基本每股收益 1.86 元,较上年增加 0.07 元;资
产利润率 1.21%,较上年下降 0.43 个百分点;资本利润率 20.42%,

较上年下降 5.66 个百分点。
      报告期内,规模指标较快增长。截至报告期末,资产总额 3,722.53
亿元,较上年末增加 1,340.57 亿元,增长 56.28%;存款余额 2,629.98

亿元,较上年末增加 820.11 亿元,增长 45.31%;贷款余额 1,024.94
亿元,较上年末增加 193.19 亿元,增长 23.23%。
      报告期内,监管指标稳中向好。不良贷款率 1.42%,较上年末下

降 0.06 个百分点;拨备覆盖率 235.19%,较上年末下降 4.79 个百分
点;拨贷比 3.33%,较上年末下降 0.23 个百分点;资本充足率 13.75%。


    (二) 报告期内各业务线主要经营情况

      1.公司金融业务

      报告期内,本行持续优化信贷结构,强化资金组织,坚持“大公
司金融转型升级”发展格局,坚持新型业务与传统业务齐头并进,强
化统筹管理和营销联动,实施大客户分类分层名单制管理、订制化服

务和中小企业“专业队伍、综合服务”的营销策略,搭建需求发现机
制、部门管理机制和服务考核机制,实现总分支联动、部门纵向联动
和总行横向联动。完善中间业务收入管理,重视重点机构客户管理。

加强银保业务合作,保险代理业务收入稳步提升。
      截至报告期末,对公存款余额 2,014.15 亿元,较年初增加 714.59
亿元,增长 54.99%;对公贷款余额 787.47 亿元,较年初增加 183.18

亿元,增长 30.31%。




                               -10-
贵阳银行股份有限公司                              2016 年年度报告摘要



      2.个人金融业务
      报告期内,积极推进产品创新,研发上线“爽得利”“爽得福”

“爽得赢”等特色储蓄产品;个人金融业务稳步增长,新增信用卡
20.26 万张,总量达 37 万张,发卡量保持快速增长,用信额度持续
增长,业务收入能力稳步提升。

      截至报告期末,储蓄存款余额 506.32 亿元,较年初增加 143.27
亿元,储蓄存款增量排名贵州省第二位;母公司消费贷款余额 134.92
亿元,较年初增长 26.39 亿元。

      3.金融同业业务
      报告期内,本行获得非金融企业债务融资工具承销业务承销商
(银行类)资质;通过完善同业业务治理体系,增强区域内同业合作,
初步构建了多渠道综合化的合作体系;与银行、证券、信托、基金、
资管、保险等217家同业机构开展了同业授信。

      截至报告期末,母公司表内债券投资余额 1,383.55 亿元;买入
返售金融资产余额 79.52 亿元;存放同业余额 46.86 亿元。

      4.小微企业金融业务

      本行致力于打造具有特色化、差异化的小微企业金融服务体系。

报告期内,通过事业部制改革,在总行设立小微事业部,在分行下设
分部,按照扁平化大集中的原则进行垂直管理;通过制定完善系列规
程规范,强化过程管理,重构了事前事中事后的风险管理机制;初步
建立小微信用风险量化体系,提高了作业效率,为大数据风控奠定基
础;持续开展就业小额担保贷款业务,落实小微企业续贷政策,在一
定程度上有效降低小微企业融资成本。

      报告期内,本行公开发行小微企业贷款专项金融债券20亿元,通

                                -11-
贵阳银行股份有限公司                               2016 年年度报告摘要



过互联网平台推进小微金融模式创新,小微贷款实现了“三个不低于”
目标。报告期内,加深与“互联网+”的融合,创新推出了“税源贷”

服务,“数谷e贷” 系列的“电商e贷”“烟草e贷”两个子产品。

      5.社区金融业务
      本行社区支行持续秉承“情系千家万户,真诚服务社区”的服务
宗旨,“贴近基层、贴近社区、贴近居民”,持续推进普惠金融,切实
为社区居民提供便利、实惠,将社区、小微支行打造成各具特色的“社

区金融便利店”。2016 年底,本行社区支行已达 60 家,服务范围除
贵阳地区外,还覆盖了遵义、凯里等 8 个市州。截至报告期末,母公
司社区储蓄存款余额 13.73 亿元,较年初增加 7.5 亿元。截至报告期
末,通过社区支行累计开设账户 94271 户,累计办理业务 426 万笔。

      6.投资银行业务
      报告期内,本行投行业务借助银政企联动的合作体系,大力推动
产品创新,引导各类机构设立城镇化基金、PPP 基金;积极参与中国
银监会理财直接融资工具发行,取得银行间市场交易商协会承销商资
质。
      截至报告期末,母公司应收款项投资余额 559.72 亿元;报告期

内,债券受托管理 184 亿元,理财直融工具合同签约金额 20 亿元,
实现利息收入 26.22 亿元。

      7.直销银行业务
       报告期内,本行不断优化移动金融应用,实现了HCE及Apple pay
支付功能,实现爽得利、税源e贷、POSe贷的在线销售和申请功能;

优化线上使用环境,开通了多个第三方支付机构的银行卡提现、转账


                               -12-
贵阳银行股份有限公司                               2016 年年度报告摘要



功能。
      截至报告期末,母公司网上银行和手机银行累计客户数达121万

户;电子交易笔数替代率82.82%,有效个人电子业务渗透率76.11%,
有效对公电子业务渗透率90.62%。报告期内,母公司网银新增用户同
比增长72.34%,手机银行新增客户同比增长493.91%;移动支付和互

联网交易合计4,040.27万笔、金额11,188.77亿元。

      8.科技金融

      报告期内,完成科技金融事业部制改革,建立专属于科创企业的
科技金融产品体系,初步搭建了科技金融共建体系。截至报告期末,
累计对 214 户科技型企业提供授信,对贵州省 383 户持证科技型企业
中的 352 户企业提供有关服务。

      9.农村金融业务
      报告期内,本行持续完善农村金融服务体系,在总、分、支行分
别新设农村金融部,新增专业人员;结合电商拓展农村金融服务,将
“农村电商”和“农村金融服务”资源互补,加快渠道建设,增设农
村金融站点(含助农取款点),共同推进农村普惠金融和农村经济的
可持续发展;配套推出了“爽农贷”“爽农存”两大系列 5 个板块的

涉农金融产品体系。
      截至报告期末,本行设立的农村金融站(含助农取款点)点共5229
家,涉及全省64个县(区)、4629个行政村,通过农村金融站点(含
助农取款点)累计发行借记卡7.3万张。

      10.资产管理业务

      本行以客户需求为导向,不断丰富系列理财产品,严格执行资产


                                -13-
贵阳银行股份有限公司                               2016 年年度报告摘要



质量日常监控办法,报告期内无新增违约资产。
      截至报告期末,母公司产品存续规模 568.64 亿元;全年实现理

财中间业务收入 3.57 亿元。

      11.国际业务
      报告期内,母公司实现结算规模 3.76 亿美元;在 2016 年国家外
汇管理局贵州省分局年度考核中,获得 A 类评级。

      12.信息科技建设

      报告期内,本行持续推进信息科技治理体系的建设,完善和修订
信息科技相关管理制度,开展了业务产品创新、新技术应用与风险管
控等工作。一是信息科技基础设施保障水平明显提高,实现各类重要

信息系统多中心、负载均衡的安全运行模式,支持了互联网金融及大
数据应用需求。二是信息科技风险管理“三道防线”进一步完善,提
升信息系统风险预警水平,保障业务连续性;完成各风险管理系统的
建设,完成小微业务风险预警系统的开发。三是探索开发应用互联网
金融产品,在“爽爽 bank”手机银行上实施人体生物识别技术的应
用,并在国内较早地使用二维码支付;构建了“助农服务系统平台”,

建设“大数据平台”“私有云”和虚拟化平台,初步构建起大数据基
础服务平台。

(三)报告期内经营情况分析

1.主营业务分析
(1)利润表及现金流量表相关科目变动分析
      报告期内,本行实现利润总额 42.52 亿元,同比增长 8.34%;营


                               -14-
贵阳银行股份有限公司                                                                            2016 年年度报告摘要



业收入 101.59 亿元,同比增长 31.85%。其中,利息净收入占比为
82.69%,比去年下降 5.9 个百分点,手续费及佣金净收入占比为

13.98%,比去年上升 5.23 个百分点。
                                                                                        单位:人民币 千元

                 项目                                   2016 年                 2015 年            变动比例(%)

营业收入                                                    10,159,448              7,705,192                31.85

营业支出                                                     5,961,988              3,812,688                56.37

营业利润                                                     4,197,460              3,892,504                 7.83

经营活动产生的现金流量净额                                  68,461,132             37,853,460                80.86

投资活动产生的现金流量净额                                 -85,769,463             -65,499,680               30.95

筹资活动产生的现金流量净额                                  23,618,403             24,756,937                -4.60




(2)营业收入业务分布情况
                                                                                        单位:人民币 千元
           业务种类                   2016 年                     2015 年                   同比增长(%)

贷款收入                                    6,124,111                    6,209,769                           -1.38

存放中央银行收入                             501,199                        413,808                          21.12

存放同业收入                                 126,554                        241,482                         -47.59

拆出资金收入                                     252                           309                          -18.45

债券及其他投资收入                          6,109,561                    3,309,443                           84.61

买入返售金融资产利息收入                     284,544                        121,206                         134.76

手续费及佣金收入                            1,518,161                       735,864                         106.31

其他项目收入                                 338,892                        205,031                          65.29




(3)营业收入地区分布情况
                                                                                        单位:人民币 千元
  地区         营业收入         占比(%)     比去年增减           营业利润           占比(%)      比去年增减

  贵阳           7,627,460          77.37               21.93        2,905,154            70.05             -14.15

  成都                211,147        2.14               -23.89        -119,252            -2.88             181.03

  遵义                505,781        5.13               84.65            400,535           9.66             129.58

  毕节                269,648        2.74               83.22            164,228           3.96              94.30


                                                    -15-
贵阳银行股份有限公司                                                               2016 年年度报告摘要


  凯里              210,372         2.13            27.06           129,544      3.12            41.04

  都匀              207,678         2.11           100.50           137,798      3.32           135.26

  安顺              141,396         1.43           101.83            94,195      2.27           175.68

  铜仁              276,948         2.81           204.34           169,067      4.08           275.30

  兴义              244,368         2.48           176.92           179,010      4.32           824.02

 六盘水             163,011         1.65           215.04            86,978      2.10           392.18

注:1.贵阳地区包括总行

       2.营业收入按地区分布情况不包含子公司的营业收入



(4)财务报表中增减变化幅度超过 30%的项目及变化情况
         财务报表数据变动幅度达 30%(含 30%)以上,且占报表日资产
总额 5%(含 5%)或报告期利润总额 10%(含 10%)以上的项目及变化

情况如下:
                                                                               单位:人民币 千元

          项目                2016 年末      同比变动(%)             报告期内变动的主要原因

                                             资产负债表项目

现金及存放央行款项              43,181,535          46.42    系本期存款规模增长所致

                                                             系受债券及同业投资配置计划、债券市场环境
可供出售金融资产                94,616,665          93.19
                                                             等影响所致

持有至到期投资                  51,574,655          38.98    系受债券配置计划、债券市场环境等影响所致

应收款项类投资                  55,202,463         116.36    系加大同业投资业务所致

吸收存款                       262,998,070          45.31    系受加大市场营销力度、拓展存款客户等影响

应付债券                        48,107,648          71.33    受同业存单及金融债券发行规模增加所致

                                               利润表项目

利息支出                        -4,745,622          36.76    业务规模增长,相应利息支出增加

手续费及佣金收入                 1,518,161         106.31    加大中间业务发展力度所致

资产减值损失                    -3,112,861         159.87    主要为贷款减值损失增加

其他综合收益的税后                                           系受可供出售金融资产受债券市场价格波动
                                  -586,877        -247.24
净额                                                         所致




                                                  -16-
贵阳银行股份有限公司                                                                   2016 年年度报告摘要



(5)财务状况与经营成果造成重大影响的表外项目情况
                                                                                  单位:人民币 千元

         项目          2016 年 12 月 31 日          2015 年 12 月 31 日              2014 年 12 月 31 日

1.信贷承诺                        195,005,182                    80,826,995                      84,803,686
    不可撤销的贷
                                     3,501,000                       7,127,000                    4,655,000
款承诺
    银行承兑汇票                    23,676,262                   27,321,228                      25,505,748

    开出保函                         4,130,921                       5,423,893                    3,998,066

    开出信用证                           37,761                         6,579                          35,397
    未使用信用卡
                                     2,963,799                       1,532,325                      630,235
    授信额度
2.经营租赁承诺                        352,484                         401,356                       243,885

3.资本性支出承诺                      428,145                         397,212                       283,597

4.质押资产                          10,265,527                       2,271,964                    3,089,444




2.资产情况分析
(1)贷款和垫款
                                                                                     单位:人民币 千元

                                   2016 年 12 月 31 日                           2015 年 12 月 31 日
             类别
                                  金额              占比(%)                金额               占比(%)

企业贷款和垫款                      78,746,623            76.83                  60,428,563             72.65

个人贷款和垫款                      23,747,087            23.17                  22,745,678             27.35

贷款和垫款总额                     102,493,710                 100               83,174,241              100




(2)企业贷款投放的行业情况
                                                                                  单位:人民币 千元
                                         2016 年 12 月 31 日                       2015 年 12 月 31 日
                行业                              占总贷款比例                                占总贷款比例
                                 贷款余额                                 贷款余额
                                                      (%)                                       (%)
建筑业                            17,631,881              17.19             12,562,305                   15.1

批发和零售业                        9,378,884               9.15            11,597,205                  13.94

制造业                              8,070,288               7.87             7,203,664                   8.66

房地产业                            7,457,105               7.28             6,469,809                   7.78

水利、环境和公共设施管理业          8,257,619               8.06             5,019,103                   6.03



                                             -17-
贵阳银行股份有限公司                                                              2016 年年度报告摘要


租赁和商务服务业                      9,200,737             8.98         4,437,954               5.34

交通运输、仓储和邮政业                4,063,966             3.97         3,265,395               3.93

教育                                  3,420,118             3.34         2,605,650               3.13

电力、燃气及水的生产和供应业          1,734,391             1.69         1,696,170               2.04

金融业                                  600,000             0.59         1,078,316                1.3

采矿业                                1,365,664             1.33           812,470               0.98

住宿和餐饮业                          1,513,530             1.48           786,950               0.95

卫生、社会保障和社会福利业            1,420,162             1.39           617,926               0.74

信息传输、计算机服务和软件业            484,482             0.47           525,339               0.63

农、林、牧、渔业                        911,079             0.89           519,739               0.62

公共管理和社会组织                    1,512,165             1.48           459,725               0.55

文化、体育和娱乐业                      537,750             0.52           389,580               0.47

科学研究、技术服务和地质勘查业          280,553             0.27           207,253               0.25

居民服务和其他服务业                    906,249             0.88           174,010               0.21

合计                                 78,746,623                         60,428,563              72.65




(3)贷款按地区划分占比情况
                                                                            单位:人民币 千元

                                     2016 年 12 月 31 日                  2015 年 12 月 31 日
            地区
                                 账面余额           占比(%)          账面余额           占比(%)

贵州省                               92,465,215            90.22          74,986,624            90.16

      其中:贵阳市                   59,805,413            58.35          57,649,944            69.31

四川省                               10,028,495             9.78           8,187,617             9.84

合计                                102,493,710             100           83,174,241             100




(4)前十名贷款客户情况
                                                                            单位:人民币 千元

 序号                    贷款户名                          2016 年 12 月 31 日       占贷款总额比(%)

  1                       客户 A                                        850,000                 0.83

  2                       客户 B                                        811,420                 0.79

  3                       客户 C                                        800,000                 0.78

  4                       客户 D                                        800,000                 0.78

  5                       客户 E                                        745,000                 0.73


                                              -18-
贵阳银行股份有限公司                                                               2016 年年度报告摘要


  6                    客户 F                                           725,960                   0.71

  7                    客户 G                                           685,000                   0.67

  8                    客户 H                                           650,820                   0.63

  9                    客户 I                                           620,000                   0.60

  10                   客户 J                                           615,000                   0.60

                       合计                                            7,303,200                  7.13




(5)贷款按担保方式划分占比情况

                                                                            单位:人民币 千元
                                    2016 年 12 月 31 日                    2015 年 12 月 31 日

                                  金额               占比(%)            金额            占比(%)

抵押贷款                           45,625,270                  44.52      43,085,159               51.8

质押贷款                           26,419,344                  25.78      11,993,202              14.42

信用贷款                               9,217,039                8.99       6,937,632               8.34

保证贷款                           21,232,057                  20.71      21,158,248              25.44

合计                              102,493,710               100.00        83,174,241             100.00




(6)个人贷款结构
                                                                                单位:人民币 千元
                                2016 年 12 月 31 日                      2015 年 12 月 31 日
           项目
                                金额               占比(%)             金额              占比(%)

个人住房贷款                       7,051,212              29.69             5,576,541             24.52

个人经营性贷款                    12,789,226              53.86            14,561,740             64.02

信用卡透支                         2,396,842              10.09             1,167,233              5.13

消费信用贷款                           120,204             0.51                 163,912            0.72

其他                               1,389,603               5.85             1,276,252              5.61

合计                              23,747,087           100.00              22,745,678            100.00




                                              -19-
贵阳银行股份有限公司                                                     2016 年年度报告摘要



(7)买入返售金融资产情况
                                                                        单位:人民币 千元
                             2016 年 12 月 31 日                 2015 年 12 月 31 日
              项目
                             金额            占比(%)           金额            占比(%)

债券                            7,952,415                          6,020,000

其中:国债                       -                      0          3,400,000            56.48

        政策性银行金融债券      2,607,655           32.79          2,300,000            38.21

        企业债券                2,399,760           30.18           100,000               1.66

        同业存单                2,945,000           37.03

        其他金融债                                      0           220,000               3.65

合计                            7,952,415          100.00          6,020,000           100.00




3.负债情况分析
(1)客户存款构成
                                                                    单位:人民币 千元

                     项目            2016 年 12 月 31 日          2015 年 12 月 31 日

 对公客户存款

 活期                                              142,070,333                   90,990,429

 定期                                               59,344,703                   38,965,736

 小计                                              201,415,036                  129,956,165

 对私客户存款

 活期                                               23,258,084                   16,611,912

 定期                                               27,374,179                   19,693,552

 小计                                               50,632,263                   36,305,464

 财政性存款                                            62,369                          28,131

 汇出汇款及应解汇款                                   189,684                      180,723

 保证金存款                                         10,698,718                   14,516,531

 合计                                              262,998,070                  180,987,014




                                      -20-
贵阳银行股份有限公司                                        2016 年年度报告摘要



(2)同业及其他金融机构存放款项
                                                           单位:人民币 千元

                   项目     2016 年 12 月 31 日         2015 年 12 月 31 日

 同业存放                                 12,907,965                   5,502,180

 其他金融机构存放                          4,835,634                   3,239,979

 合计                                     17,743,599                   8,742,159



(3)卖出回购金融资产情况
                                                        单位:人民币 千元

                   项目     2016 年 12 月 31 日         2015 年 12 月 31 日

债券                                       10,479,570                  1,960,000

合计                                       10,479,570                  1,960,000



4.利润表分析
                                                        单位:人民币 千元
                 项目           2016 年                      2015 年
营业收入                                  10,159,448                   7,705,192
    利息净收入                             8,400,599                   6,826,049
    手续费及佣金净收入                     1,419,957                     674,112
    投资收益                                330,490                      178,312
    公允价值变动收益                         -12,305                          7,888
    汇兑收益                                  9,916                           5,450
    其他业务收入                             10,791                       13,381
营业支出                                  -5,961,988                   -3,812,688
    营业税金及附加                          -245,676                    -570,194
    业务及管理费                          -2,600,774                   -2,036,485
    资产减值损失                          -3,112,861                   -1,197,871
    其他业务成本                              -2,677                       -8,138
营业利润                                   4,197,460                   3,892,504
    加:营业外收入                           64,047                       39,656
    减:营业外支出                            -9,128                       -7,231
利润总额                                   4,252,379                   3,924,929
    减:所得税费用                          -563,646                    -685,008
净利润                                     3,688,733                   3,239,921
    少数股东损益                             34,414                       18,114
归属于母公司股东的净利润                   3,654,319                   3,221,807


                             -21-
贵阳银行股份有限公司                                                 2016 年年度报告摘要



(1)利息净收入
      本行持续加强资产负债管理,提升资产回报,控制负债成本,实

现利息净收入 84.01 亿元,比上年增长 23.07%。
                                                              单位:人民币 千元

                                     2016 年                         2015 年
               项目
                              金额             占比(%)     金额              占比(%)

利息收入                      13,146,221           100.00     10,296,017           100.00

存放同业款项                     126,554             0.96       241,482              2.35

存放中央银行款项                 501,199             3.81       413,808              4.02

发放贷款和垫款                 6,124,111            46.59      6,209,769            60.31

买入返售金额资产                 284,544             2.17       121,206              1.18

拆出资金                               252           0.00              309              0

债券及其他投资                 6,109,561            46.47      3,309,443            32.14

利息支出                      -4,745,622           100.00     -3,469,968           100.00

同业及其他金融机构存放款项      -260,005             5.48       -333,765             9.62

拆入资金                            -65,033          1.37                -                 -

向中央银行借款                       -7,662          0.16           -5,718           0.16

吸收存款                      -3,033,397            63.92     -2,660,072            76.66

应付债券                      -1,177,945            24.82       -297,599             8.58

卖出回购金融资产款              -201,580             4.25       -172,814             4.98

利息净收入                     8,400,599                       6,826,049




(2)非利息收入
                                                                    单位:人民币 千元

                                    2016 年                          2015 年
             项目
                             金额              占比(%)     金额              占比(%)

 手续费及佣金净收入             1,419,957           80.74           674,112         76.68

 其中:手续费及佣金收入         1,518,161           86.32           735864          83.70

       手续费及佣金支出             -98,204          -5.58          -61752           -7.02

 投资收益                           330,490         18.79           178,312         20.28


                                       -22-
贵阳银行股份有限公司                                                2016 年年度报告摘要


 公允价值变动损益                   -12,305         -0.70            7,888            0.90

 汇兑损益                             9,916         0.56             5,450            0.62

 其他业务收入                        10,791         0.61            13,381            1.52

 合计                          1,758,849          100.00           879,143          100.00




(3)手续费及佣金收入
        2016 年度,本行大力发展中间业务,报告期内手续费及佣金净

收入 14.20 亿元,在营业收入中占比 13.98%,较去年增加 5.23 个百
分点;手续费及佣金净收入同比增长 110.64%,其中,母公司投资银
行业务手续费收入同比增长 168.77%,理财产品手续费收入同比增长
128.21%。
                                                             单位:人民币 千元
                                    2016 年                          2015 年
              项目
                            金额              占比(%)     金额               占比(%)
 结算                              26,109           1.72           11,121             1.51
 代理业务                          72,423           4.77           52,057             7.07
 咨询顾问                      581,435             38.30       171,610               23.32
 担保及承诺                    163,376             10.76       168,646               22.92
 资金监管                      172,319             11.35       108,832               14.79
 理财产品                      357,164             23.53       156,510               21.27
 其他                          145,335              9.57           67,088             9.12
 合计                         1,518,161           100.00       735,864              100.00



(4)投资收益
                                                             单位:人民币 千元
                                    2016 年                          2015 年
              项目
                            金额              占比(%)     金额               占比(%)
 可供出售金融资产在持有期
                                    1,250           0.38             550              0.31
 间取得的投资收益

 处置以公允价值计量且其变
 动计入当期损益的金融资产          -19,986          -6.05          57,394            32.19
 取得的投资收益

 处置可供出售金融资产取得
                               349,226            105.67       120,368               67.50
 的投资收益
 合计                          330,490            100.00       178,312              100.00


                                       -23-
贵阳银行股份有限公司                                                              2016 年年度报告摘要



(5)公允价值变动损益
                                                                                  单位:人民币 千元
                                              2016 年                             2015 年
                 项目
                                     金额               占比(%)         金额              占比(%)

 以公允价值计量且其变动计
                                             -12,305          100.00              7,888           100.00
 入当期损益的金融资产




(6)业务及管理费
        报告期内,本行成本收入比 25.60%,较上年下降 0.83 个百分点,
经营管理效率有所提高。业务及管理费 26.01 亿元,同比增长 27.71%,
其中,由于员工增加导致职工工资及福利费同比增长 35.89%。
                                                                              单位:人民币 千元

                                     2016 年                                     2015 年
          项目
                            金额                  占比(%)            金额                占比(%)

 职工工资及福利                1,596,312                  61.38         1,174,718                 57.68

 差旅费                             22,803                 0.88           13,367                   0.65

 租赁费                            114,616                 4.41           89,506                       4.4

 钞币运送费                         16,821                 0.65           12,546                   0.62

 咨询及中介费用                     29,256                 1.12           21,686                   1.06

 电子设备运转费                     45,316                 1.74           30,083                   1.48

 折旧费                            193,081                 7.42          159,593                   7.84

 其他业务及管理费                  582,569                22.40          534,986                  26.27

 合计                          2,600,774                 100.00         2,036,485                100.00




                                                 -24-
贵阳银行股份有限公司                                                      2016 年年度报告摘要



(7)资产减值损失
                                                                   单位:人民币 千元
                                     2016 年度                          2015 年度
                项目
                              金额               占比(%)         金额               占比(%)

 发放贷款和垫款                 2,660,118             85.46          1,088,687             90.89

 应收款项类投资                   373,190             11.99            119,301              9.96

 应收融资租赁款                    69,820              2.24

 其他应收款                           -187             -0.01                 385            0.03

 预计负债损失                                          0.00            -10,502             -0.88

 存放同业款项坏账损失                9,920             0.32

 合计                           3,112,861            100.00          1,197,871            100.00



(8)所得税费用
                                                                   单位:人民币 千元

                                         2016 年                             2015 年

                                             金额                              金额

当期所得税                                             669,674                           947,416

递延所得税                                            -106,028                           -262,408

合计                                                   563,646                           685,008




5.股东权益变动分析
                                                                     单位:人民币 千元
               项目        2016 年 12 月 31 日         2015 年 12 月 31 日         变动(%)
股本                                   2,298,592                   1,798,592               27.80
资本公积                               4,861,949                   1,246,220              290.14
其他综合收益                            -154,527                     432,350              -135.74
盈余公积                               1,533,068                   1,170,468               30.98
一般风险准备                           2,595,945                   1,462,612               77.49
未分配利润                            10,002,204                   7,843,818               27.52
归属于母公司股东权益合计              21,137,231                  13,954,060               51.48
少数股东权益                             862,477                     179,823              379.63
股东权益合计                          21,999,708                  14,133,883               55.65




                                     -25-
贵阳银行股份有限公司                                                                     2016 年年度报告摘要



6.投资状况分析
                                                                                     单位:人民币 千元

                                              2016 年 12 月 31 日                  2015 年 12 月 31 日
                  项目
                                            金额             占比(%)            金额            占比(%)

 以公允价值计量且其变动计入当期损
                                              943,518                0.47         1,072,741               0.96
 益的金融资产
 可供出售金融资产                           94,616,665              46.76        48,976,426              43.47

 应收款项类投资                             55,202,463              27.28        25,514,353              22.64

 持有至到期投资                             51,574,655              25.49        37,108,463              32.93

 合计                                      202,337,301            100.00       112,671,983             100.00




7.以公允价值计量的金融资产
                                                                                    单位:人民币 千元
                                             本期公允价       计入权益的累积       本期计提
           项目             期初金额                                                               期末金额
                                             值变动损益         公允价值变动         的减值
 以公允价值计量且其变动计
                             1,072,741             -7,116                                             943,518
 入当期损益的金融资产
 衍生金融资产                          -                 -                   -                -               -

 可供出售金融资产           48,963,026                                -449,015                     94,497,015

 金融资产小计               50,035,767             -7,116             -449,015                -    95,440,533




8.重大资产和股权出售
        报告期内,本行不存在重大资产和股权出售。

9. 对外股权投资分析
        截至报告期末,本行股权投资的公司共 5 家。其中,本行控股的
子公司 2 家,分别为广元市贵商村镇银行股份有限公司和贵阳贵银金
融租赁有限责任公司;本行参股的机构 3 家,分别为贵州省农业信贷
担保股份有限公司、中国银联股份有限公司和城市商业银行资金清算
中心。公司对外股权投资初始投资总额为 161,877 万元。




                                                 -26-
贵阳银行股份有限公司                              2016 年年度报告摘要



(1)广元市贵商村镇银行股份有限公司
      广元市贵商村镇银行股份有限公司(以下简称“广元市贵商村镇
银行”)为本行控股子公司,成立于 2011 年 12 月 12 日,系经中国
银监会批准,由本行发起设立的股份制商业银行。截至 2016 年 12 月
31 日,广元市贵商村镇银行注册资本 30,600 万元,本行出资比例为
51%。广元市贵商村镇银行为广元市首家市级独立法人银行,主要致
力于为三农、城乡居民、中小企业提供金融服务。
      截至报告期末,广元市贵商村镇银行资产总额为 674,904 万元,
负债总额为 634,560 万元;报告期内,实现营业收入 21,013 万元,
净利润 6,046 万元。
(2)贵阳贵银金融租赁有限责任公司
      贵阳贵银金融租赁有限责任公司(简称“贵银金融租赁公司”)
为本行控股子公司,成立于 2016 年 7 月 15 日,系由本行联合中国贵
州茅台酒厂(集团)有限责任公司、贵州长征天成控股股份有限公司
共同发起,经中国银监会批准设立的金融租赁公司。截至 2016 年 12
月 31 日,公司注册资本 20 亿元,本行出资比例为 67%。贵银金融租
赁公司为贵州省首家具有全国性经营牌照的金融租赁公司,以推动绿
色生态金融、助力供给侧改革、服务实体经济为基本方向,为地方政
府、企业及个人提供个性化的金融产品和多样化的金融服务,重点支
持涉及现代装备制造、生态旅游、大数据、大扶贫、大健康、新能源
和节能环保等金融租赁需求。
      截至报告期末,贵银金融租赁公司资产总额为 702,695 万元,负
债为 501,243 万元;报告期内,实现营业收入 10,375 万元,净利润
1,452 万元。




                              -27-
贵阳银行股份有限公司                               2016 年年度报告摘要



      (3)贵州省农业信贷担保股份有限公司
      贵州省农业信贷担保股份有限公司(简称“农担公司”)为本行

参股公司,成立于 2016 年 6 月 27 日,系根据财政部、农业部和中国
银监会下发的《关于财政支持建立农业信贷担保体系的指导意见》要
求,经贵州省人民政府金融工作办公室批准设立的担保公司。公司坚

持政策性、专业性和独立性,重点为粮食生产经营和现代化农业发展
等进行融资担保。截至 2016 年 12 月 31 日,农担公司注册资本 12.5
亿元,本行出资比例为 8.5%。


四、 财务报告并表情况

      本行 2016 年度财务报告并表范围相比 2015 年度财务报表并表范
围新增了贵阳贵银金融租赁有限责任公司。本行 2016 年度财务报告
并表子公司包括 :广元市贵商村镇银行股份有限公司、贵阳贵银金

融租赁有限责任公司。




                               -28-