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2019年09月23日 星期一

贵阳银行(601997)公告正文

贵阳银行:2017年半年度报告

公告日期:2017-08-29

 贵阳银行股份有限公司
BANK OF GUIYANG CO.,LTD.




   2017 年半年度报告
    (股票代码:601997)




       二〇一七年八月
贵阳银行股份有限公司                         2017 年半年度报告




                             目         录


第一节 重要提示及释义                                       2
第二节 公司简介                                             5

第三节 会计数据和财务指标                                   7

第四节 公司业务概要                                        10

第五节 经营情况讨论与分析                                  13

第六节 重要事项                                            40

第七节 普通股股份变动及股东情况                            54

第八节 董事、监事、高级管理人员和员工情况                  59

第九节 财务报告                                            62

第十节 备查文件目录                                        63




                                  -1-
贵阳银行股份有限公司                                2017 年半年度报告




                       第一节 重要提示及释义

      一、 公司董事会、监事会及董事、监事和高级管理人员保证半年
度报告所载内容不存在任何虚假记载、误导性陈述或重大遗漏,并对
其内容的真实性、准确性和完整性承担个别及连带责任。
      二、 公司第四届董事会2017年度第一次临时会议于2017年8月28

日以通讯表决方式审议通过了《贵阳银行股份有限公司2017年半年度
报告》,会议应表决董事9名,实际表决董事9名。
      三、 本半年度报告未经审计。

      四、 公司董事长陈宗权先生、行长李忠祥先生、主管会计工作的
负责人夏玉琳女士、会计机构负责人李云先生保证半年度报告中财务
报告的真实、准确、完整。

      五、 报告期利润分配情况
      报告期内,经公司2016年度股东大会批准,公司派发2016年度每
股现金股利0.26元(含税),合计597,633,894元。

      六、 本半年度报告所载财务数据及指标按照中国企业会计准则
编制,除特别说明为母公司数据外,均为合并口径数据,货币币种以
人民币列示。
      七、 前瞻性陈述的风险声明
      本半年度报告涉及未来计划等前瞻性陈述不构成公司对投资者
的实质承诺,请投资者注意投资风险。

      八、 公司不存在被控股股东及其关联方非经营性占用资金情况。
      九、 公司不存在违反规定决策程序对外提供担保的情况。
      十、 重大风险提示

                                  -2-
贵阳银行股份有限公司                               2017 年半年度报告



      公司经营中面临的风险主要包括信用风险、流动性风险、市场风
险、操作风险、合规风险、信息科技风险和声誉风险等,公司已经采

取措施,有效管理和控制各类经营风险,具体内容详见“经营情况讨
论与分析”中“各类主要风险状况说明”的相关内容。




                              -3-
贵阳银行股份有限公司                               2017 年半年度报告




在本半年度报告中,除非另有所指,下列词语具有如下涵义:


公司、本公司、本行                贵阳银行股份有限公司
央行                              中国人民银行

中国银监会                        中国银行业监督管理委员会
中国证监会                        中国证券监督管理委员会
贵州银监局                        中国银行业监督管理委员会贵

                                  州监管局
上交所、交易所                    上海证券交易所
广元市贵商村镇银行                广元市贵商村镇银行股份有限
                                  公司
贵银金融租赁公司                  贵阳贵银金融租赁有限责任公
                                  司
元                                人民币 元




                            -4-
贵阳银行股份有限公司                                                   2017 年半年度报告



                             第二节     公司简介

一、公司信息
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


二、联系人和联系方式
董事会秘书                    董静

证券事务代表                  李虹檠

办公地址                      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


三、基本情况简介
公司注册地址                  贵州省贵阳市云岩区中华北路77号

公司注册地邮政编码            550004

公司办公地址                  贵州省贵阳市云岩区中华北路77号

公司办公地邮政编码            550004

公司网址                      www.bankgy.cn

电子邮箱                      gysh_2007@126.com

服务及投诉电话                40011-96033


四、信息披露及备置地点
                                                     《中国证券报》《上海证券报》《证
公司选定的信息披露媒体名称
                                                     券时报》《证券日报》


                                       -5-
贵阳银行股份有限公司                                                  2017 年半年度报告



登载半年度报告的中国证监会指定网站的网址          http://www.sse.com.cn

半年度报告备置地点                                公司董事会办公室


五、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


六、公司注册情况
首次注册日期                               1997年4月9日

首次注册地点                               贵阳市云岩区瑞金北路75号

变更注册日期                               2016年11月7日

变更注册地点                               贵州省贵阳市云岩区中华北路77号

注册资本                                   人民币2,298,591,900元

统一社会信用代码                           9152010021449398XY

金融许可证机构编码                         B0215H252010001


七、其他相关资料
                  名称                     安永华明会计师事务所(特殊普通合伙)
公司聘请的会
计师事务所                                 北京市东城区东长安街1号东方广场安永大
                  办公地址
                                           楼17层01-12室
                  名称                     中信建投证券股份有限公司
报告期内履行      办公地址                 北京市朝阳区安立路 66 号 4 号楼
持续督导职责
的保荐机构        签字的保荐代表人姓名     宋双喜、吴书振
                  持续督导的期间           2016年8月16日至2018年12月31日




                                         -6-
      贵阳银行股份有限公司                                                              2017 年半年度报告



                              第三节          会计数据和财务指标

      一、主要会计数据和财务指标
                                                                           本报告期较上年
经营业绩(人民币    千元)      2017 年 1-6 月        2016 年 1-6 月                              2015 年 1-6 月
                                                                           同期增减(%)
营业收入                               5,681,218             4,370,585                29.99              3,622,176
营业利润                               2,196,197             1,767,711                24.24              1,828,500
利润总额                               2,189,994             1,768,526                23.83              1,828,491
归属于母公司股东的净利润               1,902,065             1,543,115                23.26              1,507,872
归属于母公司股东的扣除非经
                                       1,902,900             1,542,679                23.35              1,508,492
常性损益的净利润
经营活动产生的现金流量净额           16,433,658            33,824,793                -51.42            22,332,202
每股计(人民币     元/股)
基本每股收益                                 0.83                  0.86               -3.49                    0.84
稀释每股收益                                 0.83                  0.86               -3.49                    0.84
扣除非经常性损益后的基本每
                                             0.83                  0.86               -3.49                    0.84
股收益
每股经营活动产生的现金流量
                                             7.15                18.81               -61.99                  12.42
净额
归属于母公司股东的每股净资
                                             9.69                  8.54               13.47                    6.66

盈利能力指标(%)
全面摊薄净资产收益率                         8.54                10.05    下降 1.51 个百分点                 12.59
加权平均净资产收益率                         8.69                10.53    下降 1.84 个百分点                 13.34
扣除非经常性损益后全面摊薄
                                             8.55                10.04    下降 1.49 个百分点                 12.59
净资产收益率
扣除非经常性损益后加权平均
                                             8.69                10.53    下降 1.84 个百分点                 13.35
净资产收益率
总资产收益率                                 0.49                  0.59   下降 0.10 个百分点                   0.88
净利差                                       2.53                     -                     -                     -
净息差                                       2.64                     -                     -                     -
    规模指标                                                               本报告期末较
                             2017 年 6 月 30 日     2016 年 12 月 31 日                         2015 年 12 月 31 日
(人民币 千元)                                                            期初增减(%)
资产总额                            414,191,366           372,253,194                 11.27           238,196,550
负债总额                            391,058,336           350,253,486                 11.65           224,062,667
归属于母公司股东的所有者权

                                     22,265,101            21,137,231                  5.34            13,954,060
存款总额                            273,256,206           262,998,070                  3.90           180,987,014
其中:储蓄存款                       60,018,343            50,632,263                 18.54            36,305,464
贷款总额                            109,674,937           102,493,710                  7.01            83,174,241
其中:企业贷款                       83,524,812            77,868,476                  7.26            57,981,740
      零售贷款                       25,831,383            23,747,087                  8.78            22,745,678
      贴现                               318,742               878,147               -63.70              2,446,823
贷款损失准备                          -4,028,772            -3,414,816                17.98             -2,960,374
资本充足率指标(%)
资本充足率                                 12.03                 13.75     下降1.72个百分点                  13.54
一级资本充足率                             10.05                 11.51     下降1.46个百分点                  10.68
                                                     -7-
         贵阳银行股份有限公司                                                           2017 年半年度报告


资产质量指标(%)
不良贷款率                                  1.46                 1.42 上升 0.04 个百分点               1.48
拨备覆盖率                               251.51               235.19 上升 16.32 个百分点             239.98
拨贷比                                      3.67                 3.33 上升 0.34 个百分点               3.56
       注:1.每股收益和净资产收益率按照中国证监会《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;
           2. 全面摊薄净资产收益率、加权平均净资产收益率、扣除非经常性损益后全面摊薄净资产收益率、扣
       除非经常性损益后加权平均净资产收益率、总资产收益率未年化处理


         二、非经常性损益项目和金额
                                                                                           单位:人民币 千元

                            非经常性损益项目                                             本期金额

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                                                      -800
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、
                                                                                                            7,473
按照一定标准定额或定量持续享受的政府补助除外)
除上述各项之外的其他营业外收支净额                                                                      -5,403
减:少数股东权益影响额                                                                                         -6
减:所得税影响额                                                                                            2,111
合计                                                                                                        -835


         三、补充财务指标
             项目(%)                2017年6月30日            2016年12月31日             2015年12月31日

资本充足率                                        12.03                   13.75                             13.54

一级资本充足率                                    10.05                   11.51                             10.68

核心一级资本充足率                                10.04                   11.50                             10.68

不良贷款率                                            1.46                 1.42                              1.48

流动性比例                                        73.28                   78.64                             76.05

存贷比                                            40.14                   38.97                             45.96

单一最大客户贷款比率                                  3.07                 3.27                              3.22

最大十家客户贷款比率                              27.33                   28.10                             28.35

拨备覆盖率                                       251.51                  235.19                         239.98

拨贷比                                                3.67                 3.33                              3.56

成本收入比                                        26.58                   25.60                             26.43

授信集中度                                        29.52                   30.59                             32.76

拆入资金比                                            3.19                 1.88                              0.00

拆出资金比                                            0.00                 0.00                              0.06



             项目(%)                  2017年6月30日            2016年12月31日             2015年12月31日

正常类贷款迁徙率                                        2.04                     4.80                        7.76
关注类贷款迁徙率                                      12.73                     21.02                       12.53

                                                      -8-
      贵阳银行股份有限公司                                                                  2017 年半年度报告



次级类贷款迁徙率                                      64.05                     93.73                            78.79
可疑类贷款迁徙率                                      76.38                     65.47                            33.07


      四、资本结构、杠杆率及流动性覆盖率情况

      (一) 资本结构及变化情况
                                                                                               单位:人民币 千元
                                                                       2017 年 6 月 30 日
                     项目
                                                          合并                                 非合并
资本净额                                                          27,486,353                             25,031,920
核心一级资本                                                      22,965,058                             22,196,057
核心一级资本净额                                                  22,934,862                             20,671,220
其他一级资本                                                          24,041                                         0
一级资本净额                                                      22,958,903                             20,671,220
二级资本                                                           4,527,450                              4,360,700
风险加权资产合计                                                 228,546,654                            212,601,556
信用风险加权资产                                                 203,943,263                            187,998,165
市场风险加权资产                                                  10,160,039                             10,160,039
操作风险加权资产                                                  14,443,352                             14,443,352
核心一级资本充足率                                                   10.04%                                     9.72%
一级资本充足率                                                       10.05%                                     9.72%
资本充足率                                                           12.03%                                  11.77%
      注:根据中国银监会《关于商业银行资本构成信息披露的监管要求》,公司将进一步披露本报告期相关资本
      构成附表信息,详见公司网站(www.bankgy.cn)


      (二) 母公司杠杆率
                                                                                               单位:人民币 千元
                                       2017 年                 2017 年           2016 年                 2016 年
                 项目
                                      6 月 30 日              3 月 31 日       12 月 31 日              9 月 30 日
杠杆率(%)                                    4.64                    4.85                 4.82                  5.17
一级资本净额                            20,671,220               20,408,683       19,558,266              19,002,445
调整后的表内外资产余额                 427,556,814             415,619,703       397,537,064             354,585,123


      (三) 流动性覆盖率
                                                                                               单位:人民币 千元

                                                                      2017年6月30日
                   项目
                                                       合并                                    非合并

合格优质流动性资产                                               74,822,323                               74,093,236

现金净流出量                                                     46,283,299                               45,453,085

流动性覆盖率(%)                                                    161.66                                     163.01

                                                   -9-
贵阳银行股份有限公司                               2017 年半年度报告



                       第四节   公司业务概要

一、报告期内公司所从事的主要业务、经营模式及行业情况说明

(一) 经营范围
      公司的经营范围主要包括: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。

(二) 公司所处行业发展情况
      2017 年,全国银行业总资产和负债规模稳步增长,净利润增速
有所回升,信贷资产质量保持总体平稳,风险抵补能力有所增强。截

至报告期末,商业银行资产总额 190.21 万亿元,较年初增长 4.69%;
不良贷款率 1.74%,拨备覆盖率 177.18%,贷款拨备率 3.09%。报告
期内,累计实现净利润 9703 亿元,较上年同期增长 7.92%;年化资
产利润率 1.04%,年化资本利润率 14.48%。
      相较于其他商业银行,城市商业银行资产负债规模实现了更快增
长,截至报告期末,城市商业银行资产总额达 29.73 万亿元,较年初

增长 5.28%;资本充足率 12.20%;平均不良贷款率 1.51%,低于商业
银行平均水平 0.23 个百分点;拨备覆盖率 211.81%,高于商业银行
平均水平 34.61 个百分点;年化资产利润率 0.91%。

                                -10-
贵阳银行股份有限公司                                 2017 年半年度报告



      2017 年 7 月,全国金融工作会议提出,金融工作要坚持“稳中求
进”的工作总基调,遵循金融发展规律,把握好“回归本源、优化结

构、强化监管、市场导向”四项重要原则,落实好“服务实体经济、
防控金融风险、深化金融改革”三大任务。此次会议对金融工作具有
战略性的指导意义,未来几年,加大对实体经济的支持力度、切实防

控各类金融风险将是银行业务发展的重中之重,同时,大型商业银行
将会加快战略转型,中小金融机构将获得良好的发展机遇。

二、核心竞争力分析

      报告期内,公司坚持稳中求进的工作总基调,继续保持并巩固公
司核心竞争力。

(一)依托良好的区域环境

       “十三五”期间,贵州省、贵阳市均确立了两位数的经济增长
目标,贵州省制订了大扶贫、大数据、大生态三大战略。2016 年以
来,国务院陆续批准贵州成为首批国家生态文明试验区、大数据综合

试验区、内陆开放型经济试验区、绿色金融改革创新试验区。公司作
为立足贵州本土的城市商业银行,依托良好的区域环境、突出的政策
优势,在农村金融、大数据金融、绿色金融等领域面临良好的发展机

遇。

(二)拥有深厚的客户基础
      公司始终秉承“服务市民、服务中小、服务地方”的办行宗旨,

坚持“深耕细作”,拥有广泛的客户基础。一是扎根地方,与地方经济
实现深度融合,与地方政府保持良好的沟通并建立了紧密的业务合作
关系,在地方支柱产业、优势行业拥有一批长期合作的稳定客户。二


                               -11-
贵阳银行股份有限公司                                2017 年半年度报告



是以“情系千万家,真诚服务社区”的服务理念,积极参与社区共建,
努力构建多层次、广覆盖的便民网络,有效满足社区居民的金融服务

需求,塑造了口碑好、信誉度高的品牌形象。三是总行及主要分支机
构均位于贵州省,熟悉本地市场和客户需求,紧密贴近市场,能够针
对市场变化,快速调整产品,很好地为客户提供多样性、个性化的金

融服务,培育了较高的客户粘度。

(三)拥有突出的机构优势
      公司不断调整优化营业网点布局,机构网点已覆盖全省 9 个市州,

并下沉至全省 88 个县域,区域战略布局合理,信息传递快速有效,
内部协同能力较强,渠道优势和经营基础不断得以巩固。

(四)保持持续的创新能力

      抓住贵阳市打造创新型中心城市的发展机遇,公司坚持创新驱动,
加大创新投入,稳步推进金融创新。一是坚持战略引领,围绕服务实
体经济的本质进行创新,不断调整优化发展模式,大力推进战略转型。

二是公司持续加大金融创新投入,坚持打造特色化、差异化的金融服
务体系,持续创新业务模式,稳步推进事业部制改革,创新能力不断
提升。三是结合市场需求,加大在互联网金融方面的建设投入,整合

多种线上渠道,为客户提供全方位金融服务体验,提升服务效率,在
个人金融、互联网金融、理财投资、贸易金融、投行业务、农村金融
等多个条线不断推出创新型产品。




                              -12-
贵阳银行股份有限公司                                2017 年半年度报告



                       第五节 经营情况讨论与分析

一、报告期经营业绩

      报告期内,公司持续加强对地方经济、实体经济的支持力度,推
进大公司、大零售、大同业和大投行四大板块的协同发展,不断完善
业务治理体系,实现了较好的经营业绩。

      经营规模方面,截至报告期末,资产总额 4,141.91 亿元,较年
初增加 419.38 亿元,增长 11.27%;存款余额 2,732.56 亿元,较年
初增加 102.58 亿元,增长 3.90%;贷款余额 1096.75 亿元,较年初

增加 71.81 亿元,增长 7.01%。
      经营效益方面,报告期内,实现营业收入 56.81 亿元,较上年同
期增加 13.11 亿元,增长 29.99%;实现归属于母公司所有者的净利

润 19.02 亿元,较上年同期增加 3.59 亿元,增长 23.26%;母公司实
现中间业务收入 6.89 亿元,较上年同期增长 38.06%,中间业务收入
占营业收入比重达到 12.28%;基本每股收益 0.83 元,年化资产利润

率 0.97%,年化资本利润率 16.91%。
      监管指标方面,截至报告期末,不良贷款率 1.46%,较年初上升
0.04 个百分点;拨备覆盖率 251.51%,较年初上升 16.32 个百分点;

拨贷比 3.67%,较年初上升 0.34 个百分点;资本充足率 12.03%。

二、报告期内业务条线主要经营情况

(一)公司金融业务

      报告期内,公司围绕供给侧结构性改革工作主线,强化实体经济
服务和金融精准扶贫,不断巩固基础客户,专注中小微业务,积极推
动投行业务,各项公司金融业务实现较好发展。

                                  -13-
贵阳银行股份有限公司                               2017 年半年度报告



      一是立足区域经济,不断夯实客户基础,加大对实体经济的支持
力度,加快推进实体经济服务营销,统筹推进“五专”服务团队管理。

截至报告期末,对公存款稳步增长,对公存款总额 1996.50 亿元,占
存款总额 73.06%。
      二是契合贵州“大扶贫”战略行动,以扶贫产业子基金模式为重

点,强化全产业链金融支持,大力推广“公司+龙头企业+基地+农户”
的服务模式,促进金融与产业的融合。
      三是积极发展投资银行业务,报告期内,公司为充分保障分支机

构客户融资需求,积极开展项目投放,投放新增项目 283.63 亿元;
拓展直接融资产品,提高直接融资比重,发行了首笔债权融资计划;
参与贵州省扶贫产业子基金。截至报告期末,已投资扶贫产业子基金
6.1 亿元,带动财政投资 1.1 亿元。
      四是加快小微业务发展,专注中小企业订制化服务和中小企业
“专业队伍、综合服务”的营销策略,实现了“数谷 e 贷”7 个子产
品全部上线,推出“税源 e 贷”“超值 e 贷“爽农分期贷”等产品,
有效缓解小微企业融资难问题;积极推广“贵工贷”、“黔微贷”等符
合中小微企业特点的金融产品,创新中小微企业融资风险分担体系,

切实提高中小微企业信贷融资可得性。

(二)零售业务
      报告期内,公司零售转型初见成效,储蓄存款量增质好,县域支

行逐渐发力、发展态势较好。公司通过信用卡营销、社区小微客户互
动、大客户回馈等活动形式,进一步促进个人客户的维护拓展,推动
储蓄存款、信用卡、消费贷款等产品的交叉营销。

      一是储蓄存款稳步增长。报告期内,公司以市场需求为导向,通

                              -14-
贵阳银行股份有限公司                                2017 年半年度报告



过加强对“爽得利”“爽得福”“爽得赢”特色储蓄产品业务模式创新,
不断丰富借记卡产品,不断拓宽储蓄资金来源渠道。截至报告期末,

储蓄存款余额 600.18 亿元,较年初增加 93.86 亿元。
      二是以大数据应用为助力,加强信用卡管理,丰富信用卡使用场
景,植入文化教育、生态旅游等消费市场,推进多渠道立体式营销宣

传,持续深化品牌形象;推出“爽金分”“爽日分”等特色化现金分
期产品;推出黔通 ETC 联名信用卡,以 ETC 信用卡大规模营销为契机
重点打造汽车消费金融生态圈。报告期内,信用卡新增发卡 14 万张,

发卡量保持快速增长。
      三是践行普惠金融,响应“就业小额担保贷款”政策,开展“创
业担保贷款”,进一步扩展贷款对象,延长贷款期限,降低贷款利率。
截至报告期末,直接扶持就业人员累计达到 5 万多人。
      四是提升社区金融特色化服务。结合社区居民客户的金融服务需
求,开发设计了社区(小微)支行专属特色化产品“小爽管家卡”,
推出“小爽管家”服务品牌。截至报告期末,100 家社区(小微)支
行金融资产总额达 62.31 亿元。

(三)同业及资管业务

      同业业务方面,报告期内,通过完善同业业务治理体系,加强区
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、基金等 238 家同业机构开展了同业授信,同时,为配合流动性

管理,积极开展资金相关业务。报告期内,母公司累计发行同业存单
89 期,累计募集资金 693.5 亿元。截至报告期末,母公司表内债券
投资余额 1237.25 亿元,买入返售金融资产余额 176.51 亿元,存放

同业余额 30.80 亿元。

                              -15-
贵阳银行股份有限公司                                 2017 年半年度报告



      资管业务方面,报告期内,公司推进产品净值化转型,回归资管
本质,进一步加强风险防范,理财业务综合能力稳步提升,推出了爽

银财富-开放式金债定期、爽银财富-金玉满堂系列等理财产品。报告
期内,母公司实现理财中间业务收入 2.29 亿元。截至报告期末,累
计发售理财产品 54 期,募集金额 681.81 亿元;存续理财产品 144 期,

存续规模 607.29 亿元。

(四)互联网金融业务
      公司加快发展转型,大力推动互联网金融业务创新,不断优化移

动金融应用。报告期内,一是加强与大数据、互联网企业的交流合作,
合作涉及消费金融、数据提供、场景建设、供应链金融等多个方面;
二是云金融服务新版平台顺利上线;三是推出 ETC 联名信用卡、大数

据白名单的消费贷产品“爽易贷”等创新型产品;四是网银客户规模、
手机银行客户规模、第三方支付业务均实现稳步增长,电子产品渗透
率、交易替代率持续提升。

      截至报告期末,云金融服务平台累计交易金额 1,040.31 亿元;
报告期内,新增网银用户 12.35 万户,同比增长 37.22%;新增“爽
爽 Bank”手机银行客户 33.45 万户,同比增长 165.48%,交易金额

1,146.15 亿元,同比增长 262.34%;电子交易笔数替代率 84.08%,
同比增长 5.69%;个人有效电子产品渗透率 94.05%,对公有效电子产
品渗透率 96.02%。

三、报告期内经营情况讨论与分析

(一)主营业务分析

1.利润表及现金流量表相关科目变动分析

                              -16-
贵阳银行股份有限公司                                                                      2017 年半年度报告



        报告期内,公司实现利润总额 21.90 亿元,同比增长 23.83%。
营业收入 56.81 亿元,同比增长 29.99%,其中,利息净收入占营业

收入 88.94%,较去年上升 3.27 个百分点,手续费及佣金净收入占营
业收入 11.03 %,较去年上升 0.24 个百分点。
                                                                                         单位:人民币 千元
                  项目                   2017 年 1-6 月             2016 年 1-6 月          同比变动(%)
 营业收入                                        5,681,218                  4,370,585                29.99
 营业支出                                       -3,485,021                  -2,602,874               33.89
 营业利润                                        2,196,197                  1,767,711                24.24
 经营活动产生的现金流量净额                     16,433,658                 33,824,793               -51.42
 投资活动产生的现金流量净额                    -14,485,362                 -23,283,562              -37.79
 筹资活动产生的现金流量净额                     18,694,760                   -456,348             -4196.60


2.业务收入分布情况
                                                                                         单位:人民币 千元
            业务种类                     2017 年 1-6 月             2016 年 1-6 月          同比变动(%)
 贷款收入                                        3,634,767                  2,894,857               25.56
 存放中央银行收入                                  304,846                    218,511               39.51
 存放同业收入                                       40,102                     59,517               -32.62
 拆出资金收入                                             136                     113               20.35
 债券及其他投资收入                              4,702,816                  2,608,066               80.32
 买入返售金融资产利息收入                          172,147                    103,218               66.78
 手续费及佣金收入                                  697,251                    505,051               38.06
 其他项目收入                                        1,608                    154,989               -98.96


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            3,929,020      73.20          533,746          1,525,893            71.28        180,467
 成都               92,751       1.73            10,756          -262,713            -12.27      -117,143
 遵义              290,716       5.42            83,757           220,488            10.30         39,014
 毕节              196,213       3.66            93,199           134,983                6.31      67,687
 凯里              112,193       2.09            13,328            10,678                0.50     -55,164
 都匀              134551        2.51            57,197            75,917                3.55      23,147
 安顺               96,204       1.79            31,762            59,391                2.77      17,264
 铜仁              239,585       4.46          150,030            180,520                8.43     132,089
 兴义              148,156       2.76            49,323           100,532                4.70      25,884
 六盘水            128,491       2.39            64,233            94,890                4.43      71,466
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

                                                -17-
贵阳银行股份有限公司                                                               2017 年半年度报告



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
                       报告期末
       项目                               同比变动(%)                  变动主要原因
                       或报告期

                                        资产负债表项目

同业及其他金融机构
                         28,628,784                 61.35    系同业存放规模增加所致
存放款项

应付债券                 68,436,921                 42.26    系发行同业存单所致

应收款项类投资           74,908,507                 35.70    系加大同业投资业务所致

                                           利润表项目

                                                             系本期贷款规模及投资规模扩大,引起相
利息收入                  8,854,814                 50.48
                                                             应的利息收入增加所致
                                                             系本期存款规模及发行债券和同业存单规
利息支出                 -3,801,825                 77.65
                                                             模扩大,引起相应的利息支出增加所致

手续费及佣金收入            697,251                 38.06    系本期加大中间业务发展力度所致

                                                             系人员、业务规模增长,相应人员经费及
业务及管理费             -1,507,361                 41.90
                                                             相关费用增加所致
                                                             系贷款损失准备、应收款项类投资减值损
资产减值损失             -1,929,841                 45.52
                                                             失提取金额较上期增加所致

所得税费用                -282,477                 31.91     系本期利润总额增加所致



(二)资产情况

1.贷款和垫款
                                                                                  单位:人民币 千元

                                      2017 年 6 月 30 日                 2016 年 12 月 31 日
               类别
                                   金额             占比(%)           金额             占比(%)

 企业贷款和垫款                    83,843,554               76.45      78,746,623               76.83
 个人贷款和垫款                    25,831,383               23.55      23,747,087               23.17
 贷款和垫款总额                   109,674,937              100.00     102,493,710              100.00




                                             -18-
贵阳银行股份有限公司                                                                  2017 年半年度报告



2.企业贷款投放的行业情况
                                                                                    单位:人民币 千元
                                         2017 年 6 月 30 日                 2016 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
                                                        (%)                               (%)
 农、林、牧、渔业                      947,132                  0.86        911,079                 0.89
 采矿业                               1,758,722                 1.60      1,365,664                 1.33
 制造业                               7,601,058                 6.93      8,070,288                 7.87
 电力、燃气及水的生产和供应业         1,882,690                 1.72      1,734,391                 1.69
 建筑业                              19,132,168               17.44     17,631,881                 17.19
 交通运输、仓储和邮政业               3,502,846                 3.19      4,063,966                 3.97
 信息传输、计算机服务和软件业          404,630                  0.37        484,482                 0.47
 批发和零售业                        10,192,806                 9.29      9,378,884                 9.15
 住宿和餐饮业                         1,522,137                 1.39      1,513,530                 1.48
 金融业                                600,000                  0.55        600,000                 0.59
 房地产业                             8,440,127                 7.70      7,457,105                 7.28
 租赁和商务服务业                    10,291,151                 9.39      9,200,737                 8.98
 科学研究、技术服务和地质勘查业        336,899                  0.31        280,553                 0.27
 水利、环境和公共设施管理业           9,829,974                 8.96      8,257,619                 8.06
 居民服务和其他服务业                  860,184                  0.78        906,249                 0.88
 教育                                 4,219,972                 3.85      3,420,118                 3.34
 卫生、社会保障和社会福利业           1,829,648                 1.67      1,420,162                 1.39
 文化、体育和娱乐业                    467,235                  0.43        537,750                 0.52
 公共管理和社会组织                      24,175                 0.02      1,512,165                 1.48
 合计                                83,843,554               76.45     78,746,623                 76.83


3.贷款按地区划分占比情况
                                                                                    单位:人民币 千元
                                       2017 年 6 月 30 日                    2016 年 12 月 31 日
             地区
                                  账面余额             占比(%)         账面余额          占比(%)
 贵州省                              99,506,915               90.73        92,465,215               90.22
       其中:贵阳市                  60,286,209               54.97        59,805,413               58.35
 四川省                              10,168,022                 9.27       10,028,495                9.78
 合计                               109,674,937             100.00       102,493,710               100.00


4.前十名贷款客户情况
                                                                                    单位:人民币 千元
 序号                     贷款户名                            2017 年 6 月 30 日      占贷款总额比(%)
   1                       客户 A                                         845,000                    0.77

                                                -19-
贵阳银行股份有限公司                                                                       2017 年半年度报告


   2                         客户 B                                            826,240                   0.75
   3                         客户 C                                            800,000                   0.73
   4                         客户 D                                            797,000                   0.73
   5                         客户 E                                            780,060                   0.71
   6                         客户 F                                            745,000                   0.68
   7                         客户 G                                            725,960                   0.66
   8                         客户 H                                            673,450                   0.61
   9                         客户 I                                            670,000                   0.61
  10                         客户 J                                            650,000                   0.59
                             合计                                            7,512,710                   6.85


5.贷款按担保方式划分占比情况
                                                                                         单位:人民币 千元
                                             2017 年 6 月 30 日                   2016 年 12 月 31 日
                项目                    金额                占比(%)           金额           占比(%)
 抵押贷款                               45,125,995                  41.15     45,625,270                44.52
 质押贷款                               33,002,246                  30.09     26,419,344                25.78
 信用贷款                               10,783,287                    9.83     9,217,039                 8.99
 保证贷款                               20,763,409                  18.93     21,232,057                20.71
 合计                                 109,674,937                  100.00    102,493,710               100.00


6.个人贷款结构
                                                                                         单位:人民币 千元
                                       2017 年 6 月 30 日                       2016 年 12 月 31 日
            项目
                                      金额               占比(%)              金额             占比(%)
 个人住房贷款                          8,169,831              31.63               7,051,212             29.69
 个人经营性贷款                       12,661,305              49.01              12,789,226             53.86
 信用卡透支                            3,065,039                  11.87           2,396,842             10.09
 其他                                  1,935,208                   7.49           1,509,807              6.36
 合计                                 25,831,383             100.00              23,747,087            100.00


7. 买入返售金融资产情况
                                                                                         单位:人民币 千元
                                         2017 年 6 月 30 日                      2016 年 12 月 31 日
              项目
                                         金额               占比(%)            金额            占比(%)
 债券                                    19,266,391                               7,952,415
 其中:国债                                  4,966,700             25.78
        政策性银行金融债券               14,299,691                74.22          2,607,655             32.79
        企业债券                                                                  2,399,760             30.18

                                                   -20-
贵阳银行股份有限公司                                               2017 年半年度报告


        同业存单                                             2,945,000           37.03
        其他金融债
 合计                       19,266,391       100.00          7,952,415          100.00


(三)负债情况

1.客户存款构成
                                                                 单位:人民币 千元
                     项目          2017 年 6 月 30 日         2016 年 12 月 31 日
 对公客户存款
 活期                                       153,976,540                  142,070,333
 定期                                         45,673,120                  59,344,703
 小计                                       199,649,660                  201,415,036
 对私客户存款
 活期                                         26,422,551                  23,258,084
 定期                                         33,595,792                  27,374,179
 小计                                         60,018,343                  50,632,263
 财政性存款                                         16,445                      62,369
 汇出汇款及应解汇款                                371,852                   189,684
 保证金存款                                    8,319,006                  10,698,718
 国库定期存款                                  4,880,900
 合计                                       273,256,206                  262,998,070


2.同业及其他金融机构存放款项
                                                                 单位:人民币 千元
                     项目          2017 年 6 月 30 日         2016 年 12 月 31 日
 同业存放                                     14,511,292                  12,907,965
 其他金融机构存放                             14,117,492                   4,835,634
 合计                                         28,628,784                  17,743,599


3.卖出回购金融资产情况
                                                                 单位:人民币 千元
                     项目          2017 年 6 月 30 日         2016 年 12 月 31 日
 债券                                          6,347,711                  10,479,570
 合计                                          6,347,711                  10,479,570


(四)利润表分析
                                                                 单位:人民币 千元
                   项目           2017 年 1-6 月               2016 年 1-6 月
 营业收入                                    5,681,218                     4,370,585
     利息净收入                              5,052,989                     3,744,206

                                  -21-
贵阳银行股份有限公司                                                   2017 年半年度报告


     手续费及佣金净收入                            626,621                       471,390
     投资收益                                        -3,723                      154,961
     公允价值变动收益                                -5,286                        -6,807
     汇兑收益                                           365                        2,561
     其他收益                                        7,473                             0
     其他业务收入                                    2,779                         4,274
 营业支出                                        -3,485,021                   -2,602,874
     营业税金及附加                                -45,094                       -212,252
     业务及管理费                                -1,507,361                   -1,062,252
     资产减值损失                                -1,929,841                   -1,326,176
     其他业务成本                                    -2,725                        -2,194
 营业利润                                        2,196,197                    1,767,711
     加:营业外收入                                  1,813                         5,538
     减:营业外支出                                  -8,016                        -4,723
 利润总额                                        2,189,994                    1,768,526
     减:所得税费用                               -282,477                       -214,140
 净利润                                          1,907,517                    1,554,386
     少数股东损益                                    5,452                        11,271
 归属于母公司股东的净利润                        1,902,065                    1,543,115


1.利息净收入
      公司持续加强资产负债管理,控制负债成本,提升资产回报,报

告期内实现利息净收入 50.53 亿元,较上年同期增长 34.95%。
                                                                      单位:人民币 千元
                                2017 年 1-6 月                  2016 年 1-6 月
                项目
                              金额          占比(%)         金额            占比(%)
 利息收入                     8,854,814          100.00       5,884,282           100.00
 存放同业款项                    40,102            0.45          59,517              1.01
 存放中央银行款项               304,846            3.44         218,511              3.71
 发放贷款和垫款               3,634,767           41.05       2,894,857            49.20
 买入返售金额资产               172,147            1.95         103,218              1.76
 拆出资金                            136           0.00                113           0.00
 债券及其他投资               4,702,816           53.11       2,608,066            44.32
 利息支出                     -3,801,825         100.00       -2,140,076          100.00
 同业及其他金融机构存放款项    -453,763           11.94        -152,542              7.13
 拆入资金                      -176,528            4.64                -82           0.00
 向中央银行借款                   -6,198           0.16              -2,055          0.10
 吸收存款                     -1,882,839          49.53       -1,397,164           65.29


                                     -22-
贵阳银行股份有限公司                                                2017 年半年度报告


 应付债券                    -1,132,338           29.79     -500,385           23.38
 卖出回购金融资产款            -149,927            3.94      -87,848            4.10
 其他                                 -232         0.00
 利息净收入                   5,052,989                    3,744,206


2.非利息收入
                                                                  单位:人民币 千元
                              2017 年 1-6 月                2016 年 1-6 月
              项目
                            金额             占比(%)    金额            占比(%)
 手续费及佣金净收入                626,621        99.74      471,390           75.26
 其中:手续费及佣金收入            697,251       110.99      505,051           80.63
        手续费及佣金支出           -70,630       -11.24      -33,661           -5.37
 投资收益                           -3,723        -0.59      154,961           24.74
 公允价值变动损益                   -5,286        -0.84          -6,807        -1.09
 汇兑损益                              365         0.06           2,561         0.41
 其他业务收入                        2,779         0.44           4,274         0.68
 其他收益                            7,473         1.19
 合计                              628,229      100.00       626,379          100.00


(1)手续费及佣金收入
                                                                  单位:人民币 千元
                              2017 年 1-6 月                2016 年 1-6 月
              项目
                            金额             占比(%)    金额            占比(%)
 结算                          14,741              2.11          2,972          0.59
 代理业务                      35,069              5.03      28,734             5.69
 投资银行业务                 263,985             37.86     202,694            40.13
 担保及承诺                    30,730              4.41      98,829            19.57
 理财产品                     229,119             32.86     121,262            24.01
 其他                         123,607             17.73      50,560            10.01
 合计                         697,251           100.00      505,051           100.00


(2)投资收益
                                                                  单位:人民币 千元
                              2017 年 1-6 月                2016 年 1-6 月
              项目
                            金额             占比(%)    金额            占比(%)
 处置以公允价值计量且其变
 动计入当期损益的金融资产          -1,006         27.02     -11,691            -7.54
 取得的投资收益
 处置可供出售金融资产取得
                                   -2833          76.09     166,652           107.54
 的投资收益
 其他                                116          -3.11

                                      -23-
贵阳银行股份有限公司                                                                       2017 年半年度报告


 合计                                        -3,723          100.00                154,961            100.00


(3)公允价值变动损益
                                                                                          单位:人民币 千元
                                          2017 年 1-6 月                            2016 年 1-6 月
                 项目
                                      金额              占比(%)             金额               占比(%)
 以公允价值计量且其变动计
                                             -5,286          100.00                 -6,807            100.00
 入当期损益的金融资产


3.业务及管理费

        报告期内,公司成本收入比 26.58%,业务及管理费 15.07 亿元,
较上年同期增长 41.90%,主要由于公司人员、业务规模增长,相应
人员经费及相关费用增加所致。
                                                                                          单位:人民币 千元
                                   2017 年 1-6 月                                 2016 年 1-6 月
          项目
                            金额                    占比(%)              金额                占比(%)
 职工工资及福利                    867,173                 57.53            658,620                    62.00
 差旅费                             11,883                  0.79                  7,409                 0.70
 租赁费                             64,634                  4.29              57,480                    5.41
 固定资产折旧                      123,679                  8.20              87,939                    8.28
 摊销费                             55,319                  3.67              39,352                    3.70
 其他业务及管理费                  384,673                 25.52            211,452                    19.91
 合计                         1,507,361                  100.00            1,062,252                  100.00


4.资产减值损失
                                                                                          单位:人民币 千元
                                              2017 年 1-6 月                        2016 年 1-6 月
                  项目
                                         金额              占比(%)              金额             占比(%)
 发放贷款和垫款                           1,105,402              57.28            1,209,203            91.18
 应收款项类投资                              671,159             34.78              116,973             8.82
 长期应收款减值损失                          144,329               7.48
 其他应收款                                     -129               -0.01
 存放同业款项坏账损失                           6080               0.32
 可供出售金融资产减值损失                       3000               0.15
 合计                                     1,929,841             100.00            1,326,176           100.00




                                                -24-
贵阳银行股份有限公司                                                                   2017 年半年度报告



5.所得税费用
                                                                                    单位:人民币 千元
                  项目                          2017 年 1-6 月                   2016 年 1-6 月
当期所得税                                                   587,801                            194,578
递延所得税                                                   -305,324                            19,562
合计                                                         282,477                            214,140


(五)股东权益变动分析
                                                                                    单位:人民币 千元
               项目                 2017 年 6 月 30 日           2016 年 12 月 31 日        变动(%)
股本                                            2,298,592                  2,298,592                    0
资本公积                                        4,861,949                  4,861,949                    0
其他综合收益                                    -331,088                     -154,527            114.26
盈余公积                                        1,533,068                  1,533,068                    0
一般风险准备                                    4,296,598                  2,595,945              65.51
未分配利润                                      9,605,982                 10,002,204                -3.96
归属于母公司股东权益合计                     22,265,101                   21,137,231                5.34
少数股东权益                                     867,929                     862,477                0.63
股东权益合计                                 23,133,030                   21,999,708                5.15


(六)投资状况分析
                                                                                    单位:人民币 千元
                                           2017 年 6 月 30 日                 2016 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
                                        2,916,100                 1.33        943,518               0.47
 益的金融资产
 可供出售金融资产                     83,269,135                 37.85    94,616,665              46.76
 应收款项类投资                       74,908,507                 34.05    55,202,463              27.28
 持有至到期投资                       58,878,109                 26.77    51,574,655              25.49
 合计                                219,971,851             100.00      202,337,301             100.00


1.对外股权投资总体分析
        截至报告期末,对外股权投资初始投资总额为 161,877 万元。控

股子公司 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;参股贵州省农业信贷担保股份有限公司,同
时,对外投资了中国银联股份有限公司和城市商业银行资金清算中心。


                                             -25-
贵阳银行股份有限公司                                                      2017 年半年度报告



2.重大的股权投资
    报告期内,公司未进行重大对外股权投资。

3.重大的非股权投资
    报告期内,公司不存在重大的非股权投资。

4.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
                            943,518        -5,286                                2,916,100
 计入当期损益的金融资产
 可供出售金融资产         94,497,015                      -176,561              83,149,485
 金融资产小计             95,440,533       -5,286         -176,561              86,065,585


5.重大资产和股权出售
    报告期内,公司不存在重大资产和股权出售。

6.主要控股参股公司分析

(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”)为公司控股子公司,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。截至报告期末,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 779,045 万元,

负债总额为 739,034 万元;报告期内,实现营业收入 12,735 万元。

(2) 贵阳贵银金融租赁有限责任公司



                                         -26-
贵阳银行股份有限公司                                                   2017 年半年度报告



       贵阳贵银金融租赁有限责任公司(简称“贵银金租”)为公司控
股子公司,成立于 2016 年 7 月 15 日,系由公司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。截至报告期末,贵银金租注
册资本 20 亿元,本行出资比例为 67%。贵银金租为贵州省首家具有

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,贵银金租资产总额 1,080,006 万元,负债总额
876,408 万元;报告期内,实现营业收入 18,598 万元,净利润 2,146
万元。

(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”)为公司
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。截至报告期末,农担公司注册资本 12.5 亿元,本

行出资比例为 8.5%。

(七)公司报告期分级管理情况及各层级分支机构数量和地区分布情

  机构名称                       地址              机构数量   员工数     总资产(千元)
总行           贵州省贵阳市云岩区中华北路 77 号      10       1380          135,982,323
                                            -27-
贵阳银行股份有限公司                                                        2017 年半年度报告


成都分行       四川省成都市锦江区下东大街 216 号喜年广场     8        256         11,087,875
               贵州省毕节市七星关区南部新区七号路与碧阳
毕节分行                                                    12        216         11,840,383
               大道(西)交叉路口
遵义分行       贵州省遵义市珠海路海珠广场一楼 2-5 号门面    18        378         21,373,999
凯里分行       贵州省凯里市宁波路 5 号坐标广场              24        363          9,618,238
都匀分行       贵州省黔南州都匀市剑江中路 91 号             17        293          9,842,733
               贵州省安顺市中华西路翠麓锦城翠麓大厦一楼
安顺分行                                                    14        204          4,443,255
               1-1 至 1-5 号
               贵州省铜仁市碧江区南长城路 11 号南长城金
铜仁分行                                                    18        284         11,126,479
               苑高层 A 幢 2 号一楼
兴义分行       贵州省兴义市桔山大道桔丰路 1 号              17        225         10,186,161
六盘水分行     贵州省六盘水市钟山区钟山中路 81 号           10        152          5,041,044
               贵州省贵安新区行政中心(白马大道)临时金
贵安分行                                                     4        76           4,741,365
               融配套房及服务区
直属支行       贵州省贵阳市云岩区瑞金北路 75 号门面          9        161         26,241,221
双龙航空港支
               贵州省贵阳市双龙航空港经济区机场路 9 号       7        131         10,300,613

南明支行       贵州省贵阳市南明区新华路 102 号              21        274         14,655,206
云岩支行       贵州省贵阳市云岩区北京路 208 号              27        292         13,923,447
中南支行       贵州省贵阳市南明区中华南路 20 号              9        138         18,952,867
               贵州省贵阳市观山湖区贵阳世纪城 X 组团 1-5
观山湖支行                                                  13        121         29,966,146
               号商业办公综合楼 4 号楼一楼
花溪支行       贵州省贵阳市花溪区榕筑南溪绿苑 5 座 3 号     13        148         16,789,681
乌当支行       贵州省贵阳市乌当区新添大道北段 88 号          6        89           6,262,184
白云支行       贵州省贵阳市白云区尖山路 2 号                17        127          8,450,097
清镇支行       贵州省贵阳市清镇市云岭西路清镇支行综合楼      5        68           5,134,985
修文支行       贵州省贵阳市修文县龙场镇迎春路 68 号          3        49           3,364,396
               贵州省贵阳市开阳县城关镇开州大道贵阳银行
开阳支行                                                     6        54           3,520,076
               开阳支行综合楼
息烽支行       贵州省贵阳市息烽县永靖镇县府路 1 号           3        59           4,420,104
合计:                                                       291      5538        397,264,878
注:总行包括各直属经营机构、总行营业部及其下设经营性支行、小微支行和社区支行;各分行、经营管
理行包括其下设经营性支行、小微支行和社区支行

        截至报告期末,公司有291家分支机构已获开业批复,其中贵阳
市内共设有贵安分行、总行营业部和151家分支机构;贵州省内其他

地区设有8家分行和122家分支机构;四川省成都市设有1家分行和7
家支行。

(八)报告期信贷资产质量情况

1.贷款五级分类情况
        截至报告期末,贷款总额 1,096.75 亿元,不良贷款余额 16.02

                                               -28-
    贵阳银行股份有限公司                                                                   2017 年半年度报告



    亿元,较年初增长 1.5 亿元,不良贷款率 1.46%,较年初上升 0.04
    个百分点。
                                                                                              单位:人民币 千元
                2017 年 6 月 30 日                2016 年 12 月 31 日                        变动
 项目
                 余额         占比(%)          余额           占比(%)       金额                比例(%)

正常类         104,073,485       94.89          96,990,342           94.63     7,083,143    上升 0.26 个百分点
关注类           3,999,629           3.65        4,051,423              3.95     -51,794     下降 0.30 个百分点
次级类             750,412           0.68          756,749              0.74      -6,337     下降 0.06 个百分点
可疑类             491,737           0.45          335,010              0.33    156,727     上升 0.12 个百分点
损失类             359,675           0.33          360,186              0.35       -511     下降 0.02 个百分点
贷款总额       109,674,938      100.00         102,493,710          100.00     7,181,228


           截至报告期末,公司不良贷款按照贷款投放的前十位行业分布,
    不良率从高到低排列情况如下:
                             不良贷款投放行业                                                 不良率(%)
信息传输、软件和信息技术服务业                                                                              10.29
批发和零售业                                                                                                    6.31
科学研究和技术服务                                                                                              2.84
农、林、牧、渔业                                                                                                2.05
房地产业                                                                                                        1.45
制造业                                                                                                          1.15
居民服务、修理和其他服务业                                                                                      1.10
住宿和餐饮业                                                                                                    0.93
采矿业                                                                                                          0.47
建筑业                                                                                                          0.45


    2.重组及逾期贷款情况
                                                                                              单位:人民币 千元
           项目                       期初金额                 期末金额          本期变动             占比(%)
重组贷款                                     341,199                520,231            179,032                  0.47
逾期贷款                                    4,175,848             4,137,128             38,720                  3.77
    注:重组贷款指标根据银监口径计算


    3.对于不良贷款采取的措施
           报告期内,公司按照“压存量、控新增、收欠息、管逾期、降关
    注”的思路,严控资产质量,不良贷款得到有效控制。一是通过追加

    担保等措施缓释潜在风险;二是通过追偿、核销等手段加快处置存量
                                                        -29-
贵阳银行股份有限公司                                                              2017 年半年度报告



不良资产;三是制度上拟订了《不良资产批量转让管理规定》和《信
贷资产收益权转让管理办法》,确保不良资产转让工作有规可依。

(九)贷款减值准备计提和核销情况
                                                                                单位:人民币 千元
期初余额                                                                                     3,414,816
本期计提                                                                                     1,105,402
本期核销及处置                                                                               -474,695
本期收回以前年度核销                                                                           19,198
折现转回                                                                                       -35,949
期末余额                                                                                     4,028,772

       贷款减值准备期初余额 34.15 亿元,本期计提 11.05 亿元,本期
核销及处置 4.75 亿元,收回已核销贷款 0.19 亿元,折现回拨-0.35
亿元,期末贷款减值准备 40.29 亿元。

(十)应收利息、其他应收款及坏账准备计提情况
                                                                                单位:人民币 千元
                                    期初余额                期末余额                 本期变动
其他应收款                               407,842               1,317,590                     909,748
坏账准备                                  -16,873                -16,744                         129

(十一)抵债资产情况
                                                                                单位:人民币 千元
                            2017 年 6 月 30 日                         2016 年 12 月 31 日
           类别
                         金额          减值准备金额            金额               减值准备金额
房屋及建筑物               67,566                                  52,432
其他                       22,700                -20,787           22,700                     -20,787
合计                       90,266                -20,787           75,132                     -20,787

(十二)计息负债、生息资产平均余额与平均利率情况

                                                                              单位:人民币 千元
                  类别                           日均余额                     平均利率(%)
负债
企业活期存款                                         148,101,100                                 0.64
企业定期存款                                          61,683,937                                 2.81
储蓄活期存款                                          24,840,299                                 0.39
                                          -30-
贵阳银行股份有限公司                                                 2017 年半年度报告


储蓄定期存款                                30,484,985                             3.23
同业拆入                                      9,389,572                            3.77
已发行债券                                  54,807,367                             4.13
同业及其他金融机构存放                      22,871,915                             3.97
向中央银行借款                                 493,108                             2.51
卖出回购                                    11,661,770                             2.57
负债合计                                   364,334,053
资产
企业贷款                                    80,277,791                             6.47
零售贷款                                    24,568,282                             5.57
长期应收款                                  10,474,365                             6.78
小计                                       115,320,438
一般性短期贷款                              28,146,739                             5.69
中长期贷款                                  76,699,334                             6.46
长期应收款                                  10,474,365                             6.78
小计                                       115,320,438
存放中央银行款项                            41,603,735                             1.47
存放同业                                      3,286,656                            2.44
债券投资                                   143,318,113                             3.48
应收款项投资                                67,798,860                             6.52
买入返售                                    11,873,558                             2.90
拆放同业                                           7,735                           3.52
资产合计                                   383,209,095


(十三)所持国债、金融债券情况

       截至报告期末,表内债券投资中,国债投资余额197.48亿元;金
融债券投资余额 30.58亿元。
       报告期所持面值最大的十只金融债券情况:
                                                                    单位:人民币 千元

           债券名称      面值        年利率(%)           到期日        计提减值准备

 16 国开 13               400,000           3.05      2026-08-25              无
 15 国开 20               300,000           3.46      2020-09-24              无
 16 龙元 3A               250,000           3.80      2017-07-26              无
 05 国开 17               250,000           4.10      2025-08-30              无
 08 国开 20               200,000           3.42      2018-11-25              无
 16 龙元 3B               198,000           4.50      2017-07-26              无

                                    -31-
贵阳银行股份有限公司                                                           2017 年半年度报告



 16 锦州银行二级                  180,000             4.30       2026-12-27             无
 17 国开 10                       170,000             4.04       2027-04-10             无
 17 长沙银行绿色金融 01           100,000             4.90       2020-05-16             无
 17 乐山商行绿色金融 01           100,000             5.30       2020-06-05             无

(十四)报告期理财业务、资产证券化、财富管理等业务的开展和损
益情况

      公司理财产品主要投资于货币市场工具,银行间市场和证券交易

所流通交易的债券、资产支持证券等有价证券,信托计划、资产管理
计划、证券投资基金,优先股,理财直接融资工具、收益凭证等金融
工具以及银监会认可的其他标准化金融投资工具。
      截至报告期末,累计发售理财产品54期,募集金额681.81亿元;
存续理财产品144期,存续规模607.29亿元。

(十五)对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            2017 年 6 月 30 日          2016 年 12 月 31 日    2015 年 12 月 31 日

 1.信贷承诺                     200,112,608               195,005,182               80,826,995
     贷款承诺                   167,404,785               164,196,439               46,542,970
     银行承兑汇票                24,638,948                  23,676,262             27,321,228
     开出保函                      3,492,100                  4,130,921              5,423,893
     开出信用证                       37,129                    37,761                   6,579
     未使用信用卡
     授信额度
                                   4,539,646                  2,963,799              1,532,325

 2.经营租赁承诺                      397,138                   352,484                 401,356
 3.资本性支出承诺                    412,521                   428,145                 397,212
 4.质押资产                        6,789,035                 10,265,527              2,271,964


(十六)报告期风险管理情况

1.全面风险管理体系

(1) 风险管理的目标

                                            -32-
贵阳银行股份有限公司                                  2017 年半年度报告



      通过建设与公司业务规模、复杂程度相适应的全面风险管理体系,
树立先进的风险管理理念,丰富风险管理技术与手段,提升全面风险

管理能力和精细化管理水平,有效地识别、评估(计量)、监测和控
制各类风险,将风险控制在可接受的范围内,坚守不发生单体风险,
不引发区域性和系统性风险底线,确保全行各项业务安全稳健运行和

监管合规达标,努力实现风险调整后收益最大化。

(2) 风险管理的原则:
      战略目标导向原则;

      全面风险管理与集中管理原则;
      垂直管理与独立性原则;
      注重控制与效率原则;

      全员参与,文化渗透原则;
      程序性原则;
      整体统筹,分步实施原则;

      与现有管理体系有效结合的原则。

(3) 全面风险管理体系
      公司按照全面风险管理的总体目标和原则,从管理架构、政策制

度、业务控制、问责考核等方面建立了“纵向垂直”“横向嵌入”的
三级全面风险管理体系,已形成第一、二、三道防线齐抓共管的风险
管理框架。

       贵阳银行股份有限公司全面风险管理架构图如下:




                               -33-
贵阳银行股份有限公司                                                                               2017 年半年度报告




          董
    监                                                                   风险管理委员会                    监事会
    事
    会                               董事会                            关联交易控制委员会
    层                                                                                                     监督委
    面                                                                      审计委员会                     员会



                                  经营管理层


                                                                                 稽核审计部
                                  首席风险官



                                                                             授信评审部
                                                                             个人金融部
                                                                             公司金融部
               信用风险管理委员会             信用风险管理部门               投资银行部
                                                                           小微事业部等



                                                                          金融同业专营部
               市场风险管理委员会             市场风险管理部门              国际业务部
                                                                            理财投资部



         总                                                              会计结算部和各业
               操作风险管理委员会             操作风险管理部门           务条线操作风险管
   总                                                                          理部门
   行                                                                                         风
   层                                         资产负债及流动性               计划财务部       险
               资产负债管理委员会
   面                                           风险管理部门             金融同业专营部等     管
                                                                                              理
                                                                             信息科技部       部
               信息科技管理委员会             信息科技管理部门
                                                                           直销银行部等


                                              声誉风险管理部门                办公室
              业务连续性管理委员会

                                              合规风险管理部门
                                                                            法律合规部
                                              法律风险管理部门
                 授信审查委员会


                                               并表风险管理部门             计划财务部
               投资业务审查委员会

                                                                         派驻总行前台部门
                                                                         风险官及风险经理


         分
                                                                      分支行风险官
   分
                                                                    (风险管理部)
   支
   行
                                                        支行风险经理             社区银行
   及
   子
   公                                                       广元市贵商村镇银行股份有限公司
                                                                贵银金融租赁有限责任公司
   司
   层
   面
              备注:                              为风险控制和意见反馈路径                         为风险报告路径
                                                  为监事会审计监督范围                             为审计监督范围




                                                                  -34-
贵阳银行股份有限公司                               2017 年半年度报告



2.各类主要风险状况说明
     报告期内,公司主动适应新形势,始终坚持“审慎合规,稳健经

营”的风险管理理念,着力优化风险治理体系,丰富风险管理技术与
手段,持续强化重点领域、环节的风险管理,助力各项业务稳健发展。

(1) 信用风险状况的说明

      公司不断完善授权授信体系,进一步优化资产结构,加强信用风
险防范与治理,优化不良资产的清收与处置,提升信用风险管理专业
化水平,报告期内,资产质量保持稳定,信用风险总体可控。一是审

慎设定信用风险容忍度,强化准入控制,及时调整信贷投向和结构。
二是持续完善信用风险管理政策制度体系和信息系统。三是实行严格
的差别化、动态的授权授信管理。四是加强信贷和非信贷资产风险分

类,以量化的形式揭示风险程度,并实行差别化的管控策略。五是健
全不良资产批量转让和信贷资产收益权转让管理制度,确保不良资产
转让工作的透明化、合法化,有效缓解不良贷款上升压力。六是加大
监督检查和风险排查,强化问责和考核力度。

(2) 流动性风险状况的说明
      报告期内,公司密切关注市场流动性状况,持续完善流动性风险

管理系统,提高流动性风险管理技术的实际应用能力,加强日常风险
监测,流动性风险指标良好,未出现流动性风险事件。一是制定流动
性风险限额指标,丰富流动性风险监测工具,完善突发事件的应急计

划,保证公司有充裕的变现能力以应付突发性危机事件。二是加强资
金头寸管理,持续优化资产负债结构,集中配置全行的资金并实施内
部资金转移定价机制,实行流动性缺口管理,定期开展压力测试,并

适时调整和优化流动性风险管理策略,合理确定融资限额,实行大额
                              -35-
贵阳银行股份有限公司                               2017 年半年度报告



资金变动预报制度,保持适度的备付率水平。三是充分考虑附属机构
流动性对公司的影响,指导和帮助附属机构加强流动性管理,并实行

大额资金往来预报制度。

(3) 市场风险状况的说明
      报告期内,公司密切关注市场风险状况,完善市场风险管理制度

和工具,将市场风险控制在容忍度范围内,市场风险平稳可控。一是
开发投用市场风险管理系统,完善系统相关管理制度,实现市场风险
管理工具的系统管理。二是强化限额管控,从结构、集中度、止损、

规模、久期、VaR等角度审慎设定市场风险限额指标,密切跟踪监测
风险限额等的执行情况。三是加大逐日盯市力度,重点关注每日净值
变化,提升交易业务风险管控的时效性,外币部分采取不留或者少留

隔夜头寸,有效地消除汇率波动带来的风险。

(4) 操作风险状况的说明
      报告期内,公司未发生造成客户及银行资金损失的重大差错和操
作风险事件,操作风险总体可控。一是不断完善优化操作风险、内控
与合规管理体系和一体化管理信息系统。二是组织完成各项业务流程
的梳理,并开展主要业务风险点及其控制措施的自评估工作。三是加

强新产品、新业务的操作风险审查,有效防范操作风险。四是加大业
务培训力度,提高人员素质,推行重要岗位人员的持证上岗制度,组
织各类培训和考试,加强案防评估管理和员工行为排查。

(5) 合规风险状况的说明
      报告期内,公司通过加强制度建设,加大监督检查力度,强化合
规文化建设,未发生重大行政处罚事件。一是加强对制度的合规性审


                              -36-
贵阳银行股份有限公司                               2017 年半年度报告



核和有效性评估,强化规章制度的落实和执行,以确保各项政策和程
序符合法律法规要求。二是严格对新业务、新产品以及制度修订的合

规性进行审核,确保依法合规经营。三是持续开展各业务条线的合规
风险检查工作,落实各项评估检查中发现的问题,加强问题的整改落
实。四是强化合规文化建设,组织开展“严制度、讲纪律、守规矩”

行动,加强业务合规宣传和培训,强化合规内控考核力度,有效增强
干部员工合规意识、合规理念,强化制度、纪律和规矩意识。五是成
立贵阳银行反洗钱监测中心,升级改造反洗钱工作平台,为有效开展

反洗钱管理工作提供了技术保障。

(6) 信息科技风险状况的说明
      报告期内,公司进一步完善信息科技风险治理,在推进信息化建

设、健全信息安全保障体系、加强信息安全突发事件的处置等方面持
续推进,保障业务系统稳定运行,信息科技风险防控能力得到有效提
升,未发生信息科技风险相关事件。一是严防内部办公信息和系统代
码泄露风险,建设办公与开发云桌面系统,从技术上提升开发及办公
终端行为的防范能力。二是开展关键业务信息系统的安全评估。三是
持续优化网络安全防御策略,不断提升信息系统安全防护能力。四是

开展相关系统安全及漏洞的排查,及时对勒索病毒等突发信息系统安
全事件进行应急处理,并对相关应用系统进行防护整改。

(7) 声誉风险状况的说明

      报告期内,公司进一步明确声誉风险管理职责、完善工作程序,
将声誉风险管理纳入绩效考评指标体系、按季考核,严格按照事前、
事中、事后三个阶段采取不同控制措施加强对声誉事件的处置,报告

期内未发生对公司造成重大影响的声誉事件。一是对重大负面及敏感
                              -37-
贵阳银行股份有限公司                               2017 年半年度报告



性网络舆情做到一事一报,并及时跟踪事态发展、评估影响、研究制
定对策、积极应对和处置,防范声誉风险事件。二是加强声誉风险相

关培训,搭建了专门的工作微信群,指导舆情监测引导员实时做好舆
情监测和引导工作,进一步提升了舆情监测引导员的危机应对技巧、
技术手段和策略。三是持续开展舆情监测、引导、声誉风险点排查与

控制以及声誉事件应对工作,重点加强对微博、博客、论坛等新兴媒
体的监测,加强舆情监测的频度、密度。

(十七)关于公司未来发展的讨论与分析

1.公司发展战略
      公司 2016-2020 年发展战略规划明确了打造中型上市银行和综
合金融控股集团的战略定位,提出了“一体四轮两翼”的战略目标,

即以中小企业金融为主体,以大公司金融、大零售金融、大同业金融、
大投行金融转型为“四轮驱动”,以传统银行业务、互联网金融业务
“两翼齐飞”为业务发展创新方向。围绕当前经济金融发展的新形势、

新变化,为抓住贵州省建设大数据综合试验区和绿色金融改革创新试
验区的重要机遇,公司将积极发展大数据金融、绿色金融业务,推动
转型升级。

2.可能面对的风险
      2017 年,国内经济仍处在转型升级、动能转换的关键阶段,对
于银行业及本行而言,主要存在以下几方面的风险:一是当前实体经

营仍面临困难,银行业及本行业务发展变缓。二是小微企业、产能过
剩行业、担保公司贷款、大型企业的债务违约,以及房地产市场调整
分化带来的潜在信用风险仍然较大。三是随着直接融资的快速发展,


                              -38-
贵阳银行股份有限公司                             2017 年半年度报告



利率市场化的快速推进,新兴金融业态的冲击,利差收窄、盈利能力
下降的问题逐步显现。

(十八)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说明
    □适用 √不适用

(十九)商业银行与关联自然人发生关联交易的余额及其风险敞口的
说明

      截至报告期末,关联自然人与公司发生贷款交易21笔,金额

1,234.24万元,其中关联自然人与公司发生30万元以上的贷款交易15
笔,金额1,124.74万元。




                            -39-
    贵阳银行股份有限公司                                                 2017 年半年度报告



                                第六节 重要事项

    一、公司治理情况

          报告期内,公司严格按照《中华人民共和国公司法》《中华人民
    共和国商业银行法》等法律法规以及中国证监会、中国银监会、上海
    证券交易所等监管要求,结合公司治理实际,以提高公司治理科学化

    水平为目标,持续健全“三会一层”及各专门委员会的决策程序和执
    行机制。报告期内,不断完善公司治理基本制度,进一步把加强党的
    领导和完善公司治理统一起来;持续优化以股东大会、董事会、监事

    会和高级管理层为核心的“三会一层”公司治理组织构架,明确界定
    “三会一层”的权限和职责,确保各层级各司其职、各负其责,形成
    了决策、执行、监督职能相互分离、相互制约、协调运转的公司治理

    运行机制,切实保障股东及其他利益相关者的合法权益;强化激励约
    束机制,完成对董事会、监事会、高级管理层及其成员 2016 年度履
    职的考核评价;董事会及下设各专门委员会成员勤勉尽职、科学决策,

    监事会有效发挥监督职能;有序开展了董事会和监事会换届工作;依
    法合规、及时有效履行信息披露义务,不断优化投资者关系管理。报
    告期内,公司治理的科学性和有效性持续增强,治理效率得到进一步

    提升,保障了公司依法合规经营、持续稳健发展。

    (一) 关于股东和股东大会
                                                    决议刊登的指定网站
          会议届次                 召开时间                              决议刊登的披露日期
                                                        的查询索引

贵阳银行股份有限公司 2017 年
                               2017 年 3 月 22 日     www.sse.com.cn       2017 年 3 月 23 日
第一次临时股东大会

贵阳银行股份有限公司 2016 年   2017 年 5 月 5 日      www.sse.com.cn        2017 年 5 月 6 日


                                           -40-
    贵阳银行股份有限公司                                                         2017 年半年度报告



年度股东大会

            报告期内,公司共召开 1 次年度股东大会和 1 次临时股东大会。

    股东大会均由董事会召集,审议通过议案 22 项,包括第三届董事会
    2016 年度工作报告、第三届监事会 2016 年度工作报告、2016 年度财
    务决算暨 2017 年度财务预算方案、2016 年度利润分配预案、董事会

    和高级管理层及其成员 2016 年度履职评价情况报告、监事会和监事
    2016 年度履职评价情况报告、资本管理规划(2017-2019 年)、股东
    回报规划(2017-2019 年)、2016 年度关联交易专项报告、2017 年度

    日常关联交易预计额度、聘请 2017 年度会计师事务所、修订公司章
    程、非公开发行优先股等各类议案。股东通过现场投票和网络投票相
    结合的方式参与表决,会议的通知、召集、召开和表决程序均符合《中
    华人民共和国公司法》等法律法规和《贵阳银行股份有限公司章程》
    的规定。

    (二) 关于董事和董事会

    1.董事上半年参加董事会和股东大会的情况
                                                                                      参 加 股东大
                                              参加董事会情况
                                                                                      会情况
    董事       是否独
                        半年应参            以 通 讯                    是否连续两
    姓名       立董事              亲自出              委托出   缺席                  出 席 股东大
                        加董事会            方 式 参                    次未亲自参
                                   席次数              席次数   次数                  会的次数
                        次数                加次数                      加会议

     陈宗权      否            4       4        1                           否            2

     李忠祥      否            4       4        1                           否            2

     杨琪        否            4       4        1                           否            2

     邓勇        否            4       4        1                           否            2

     蒋贤芳      否            4       4        1                           否            2

     斯劲        否            4       4        1                           否            1

     张涛涛      否            4       3        1                   1       否

     曾军        否            4       4        1                           否

     洪鸣        否            4       3        1          1                否

                                                -41-
贵阳银行股份有限公司                                      2017 年半年度报告



 高军       否         4       4   1                 否

曾康霖      是         4       3   1      1          否

 于研       是         4       4   1                 否

郭田勇      是         4       4   1                 否

吴志军      是         4       4   1                 否            1

 罗宏       是         4       4   1                 否            1


2.连续两次未亲自出席董事会会议的说明

        报告期内,公司董事无连续两次未亲自出席董事会会议的情况。

3.董事会召开情况

报告期内召开董事会会议次数                       4

其中:现场会议次数                               3

通讯方式召开会议次数                             1

现场结合通讯方式召开会议次数                     0

        报告期内,公司董事会召开了 4 次会议,审议通过议案 56 项,

包括第三届董事会 2016 年度工作报告、2016 年度经营工作报告、2016
年年度报告、2016 年度社会责任报告、2017 年度风险容忍度、董事
会和高管层及其成员 2016 年度履职评价情况、高管人员 2016 年度绩

效考核情况、非公开发行优先股、资本管理规划(2017-2019 年)、
股东回报规划(2017-2019 年)、2016 年度财务决算暨 2017 年度财务
预算方案、2016 年度利润分配预案、2016 年度关联交易专项报告、

2017 年度日常关联交易预计额度、聘请 2017 年度会计师事务所、修
订公司章程、董事会换届选举等各类议案。

4.独立董事履职情况

        报告期内,独立董事严格按照《中华人民共和国公司法》《中华
人民共和国证券法》《商业银行公司治理指引》《上海证券交易所股票


                                   -42-
贵阳银行股份有限公司                                 2017 年半年度报告



上市规则》等有关法律、法规、规范性文件以及《贵阳银行股份有限
公司章程》的要求,依法履职、勤勉尽责,按时出席董事会及其各专

门委员会会议,充分研究讨论议案,独立自主决策,持续关注公司业
务发展情况,强化对关联交易的审核监督,积极推动和完善公司法人
治理,有效维护公司整体利益和中小股东的合法权益。独立董事分别

对非公开发行优先股、股东回报规划(2017-2019 年)、2017 年度日
常关联交易预计额度、2016 年度利润分配预案、聘请 2017 年度会计
师事务所、董事会换届选举等事项发表客观审慎的独立意见。同时,

独立董事充分发挥自身专业优势,为公司发展战略、风险控制、审计
监督、提名与薪酬管理以及关联交易管理等工作提出意见和建议,对
公司董事会的科学决策起到了积极作用。

5.董事会下设专门委员会在报告期内履行职责情况
      报告期内,公司董事会专门委员会共召开会议 12 次,审议有关
议案 56 项。其中:发展战略委员会会议 3 次,提交审议有关议案

23 项;风险管理委员会会议 2 次,提交审议有关议案 3 项;关联交
易控制委员会会议 1 次,提交审议有关议案 3 项;审计委员会会议 3
次,提交审议有关议案 8 项;提名委员会会议 1 次,提交审议有关议

案 16 项;薪酬委员会会议 2 次,提交审议有关议案 3 项。通过董事
会各专门委员会的有效运作,进一步提高了董事会决策效率。

(1)发展战略委员会

      报告期内,公司董事会发展战略委员会共召开 3 次会议,审议通
过了第三届董事会 2016 年度工作报告、2016 年年度报告、2016 年度
社会责任报告、非公开发行优先股、修订公司章程、调整发行绿色金

融债券方案、资本管理规划(2017-2019 年)、股东回报规划(2017-2019
                              -43-
贵阳银行股份有限公司                                2017 年半年度报告



年)等 23 项议案。

(2)风险管理委员会

      报告期内,公司董事会风险管理委员会共召开 2 次会议,审议通
过了 2016 年度全面风险管理情况的报告、2016 年度资本充足率管理
报告、2017 年度风险容忍度 3 项议案。

(3)关联交易控制委员会
      报告期内,公司董事会关联交易控制委员会共召开 1 次会议,审
议通过了 2016 年度关联交易专项报告、2017 年度日常关联交易预计

额度、关联交易管理办法 3 项议案。

(4)审计委员会
      报告期内,公司董事会审计委员会共召开 3 次会议,审议通过了

2016 年度财务决算暨 2017 年度财务预算方案、2016 年度利润分配预
案、聘请 2017 年度会计师事务所、2016 年度内部控制评价报告等 8
项议案。

(5)提名委员会
      报告期内,公司董事会提名委员会共召开 1 次会议,审议通过了
董事会换届选举、提名第四届董事会董事和独立董事候选人等 16 项
议案。

(6)薪酬委员会
      报告期内,公司董事会薪酬委员会共召开 2 次会议,审议通过了
董事会和高级管理层及其成员 2016 年度履职评价情况报告、高级管
理人员 2016 年度绩效考核情况报告、调整独立董事津贴 3 项议案。

(三)关于监事和监事会
                              -44-
贵阳银行股份有限公司                                              2017 年半年度报告



1.监事参加监事会和股东大会情况
      报告期内,监事会共召开4次会议,审议通过包括第三届监事会

2016年度工作报告、2016年度经营工作报告、2016年度财务决算暨
2017年度财务预算方案、2016年度利润分配预案、2016年年度报告、
2016年度关联交易专项报告、2017年度日常关联交易预计额度、2016

年度全面风险管理情况的报告、2016年度资本充足率管理报告、募集
资金存放与实际使用情况报告等26项议案或报告。监事会监督委员会
共召开3次会议,审议通过17项议案;监事会提名委员会共召开2次会

议,审议通过8项议案。
      报告期内,监事会出席股东大会2次,列席董事会3次,监事长代
表监事会参加了总行党委会、行务会、行长办公会、信用风险管理委
员会、资产负债委员会、产品创新委员会等全行各类重要经营管理会
议。监事会着力加强对重要事项的议事决策过程和落地执行情况的监
督,并从监事会的角度,提出客观、独立的意见建议。

2.外部监事履行职责情况

      外部监事出席监事会会议的情况如下:

    姓 名              应出席次数   实际出席次数   委托参会次数      缺席次数

    倪 敏                4              4

    余 霄                4              4


      外部监事出席提名委员会会议的情况如下:
    姓 名              应出席次数   实际出席次数   委托参会次数      缺席次数
    余 霄
                             2           2
 (主任委员)




                                       -45-
贵阳银行股份有限公司                                              2017 年半年度报告



      外部监事出席监督委员会会议的情况如下:
    姓 名              应出席次数   实际出席次数   委托参会次数      缺席次数

    倪 敏
                           3             3
 (主任委员)

      报告期内,外部监事认真履职,参与对董事会和董事、监事会和

监事、高级管理层和高级管理人员 2016 年度的履职评价工作;加强
对关联交易事项的监督,审议 2016 年度关联交易专项报告、2017 年
度日常关联交易预计额度、关联交易管理办法的议案;重点监督财务
决策和执行情况,对公司 2016 年度利润分配预案进行审议,并对利
润分配预案的合规性及合理性发表意见;定期审议公司财务报告,监
督财务报告的真实性、准确性和完整性并发表意见;对换届选举中监
事候选人的任职资格和条件进行认真审查,对外部监事候选人重点关
注其独立性和客观性;出席股东大会、列席董事会及其各专门委员会
会议。

(四) 投资者关系管理
      报告期内,公司主动加强投资者关系管理,丰富投资者沟通交流渠
道,投资者保护工作的机制不断完善。通过上证 e 互动、投资者日常咨
询电话、接待到访投资者、举办业绩说明会等方式,积极回应投资者咨
询,向资本市场公开、公平地传播公司有关信息。报告期内,举办业绩
说明会 1 次,参加上市公司投资者集体接待日活动 1 次,接待投资者调

研 2 次,参加证券机构的策略会议 2 次,接待投资者来访、来电咨询累
计 500 余人次。

二、利润分配情况

      报告期内,经公司 2016 年度股东大会批准,公司 2016 年度每股


                                       -46-
  贵阳银行股份有限公司                                                            2017 年半年度报告



  派发现金股利 0.26 元(含税),合计 597,633,894 元。

  三、承诺事项履行情况

         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
  在报告期内或持续到报告期内的承诺事项如下:
                                                                                           是否   是否
承诺背   承诺                                                   承诺                       有履   及时
                          承诺方
  景     类型                                                 内容及期限                   行期   严格
                                                                                             限   履行
                贵阳市国资公司、贵州产业投
                资公司、遵义市国资公司、贵
                州神奇投资、贵阳金阳建设投
与首次                                         自本行首次公开发行的股票在证券交易所上
                资(集团)有限公司、贵州燃
公开发   股份                                  市之日起三十六个月内,不转让或者委托他
                气(集团)有限责任公司、新                                                  是     是
行相关   限售                                  人管理其持有的本行股份,也不由本行回购
                余汇禾投资管理有限公司、贵
的承诺                                         其持有的本行股份。
                阳工业投资(集团)有限公司、
                中国贵州茅台酒厂(集团)有
                限责任公司
与首次
                                               自本行股票在证券交易所上市之日起十八个
公开发   股份
                中信建投资本管理有限公司       月内,不转让或者委托他人管理其持有的本       是     是
行相关   限售
                                               行股份,也不由本行回购其持有的本行股份。
的承诺

与首次                                         自本行股票在上市交易之日起三年内不转
公开发   股份   本行1,084 名持股超过5 万股     让,持股锁定期满后,每年可出售股份不得
                                                                                            是     是
行相关   限售   的自然人股东                   超过持股总数15%,五年内不得超过持股总数
的承诺                                         的50%。

                                               自本行股票在上市交易之日起 36 个月内不转
                                               让或者委托他人管理,也不由本行回购该部
                                               分股份;在任职期间内每年通过集中竞价、
                                               大宗交易协议转让等方式转让的股份不超过
                                               其所持本行总数 15%,5 年内转让的股份总数
与首次                                         不超过其所持本行份总数的 50%,不会在卖出
公开发   股份   本行董事、监事、高级管理人     后六个月内再行买入,不会在卖出后六个月
                                                                                            是     是
行相关   限售   员                             内再行买入或买入后六个月内再行卖出本股
的承诺                                         份;在离任或买入后 六个月内再行卖出本股
                                               份;在离任 6 个月内,不转让所持本行股份
                                               离任,不转让所持本行股份离任,不转让所
                                               持本行股份离任 6 个月后的 12 个月内通过证
                                               券交易所挂牌出售本行股票数量不超过其持
                                               有的发行人股份总数 50% 。

                                               自本行股票在上市之日起36个月内不转让或
与首次          本行董事、监事、高级管理人     者委托他人管理,也不由本行回购该部分股
公开发   股份   员近亲属(含配偶、父母、子     份;在前述锁定期期满后,其每年转让的股
                                                                                            是     是
行相关   限售   女、兄弟姐妹、祖父母、外祖     份不超过其所持本行股份总数的15%,5年内
的承诺          父母、孙子女、外孙子女等)     转让的股份总数不超过其所持本行股份总数
                                               的50%。




                                                -47-
  贵阳银行股份有限公司                                                          2017 年半年度报告


与首次          自本行首次公开发行A股股票    自其作为本行的股东登记在股东名册之日起
公开发   股份   申请被中国证监会受理后,通   三十六个月内,不转让或者委托他人管理其
                                                                                        是      是
行相关   限售   过股权转让方式受让本行股     直接或间接持有的本行的股份,也不由本行
的承诺          份的4名新增法人股东          收购该部分股份。

                自本行首次公开发行A股股票
与首次          申请被中国证监会受理后,通   自其所持本行股份登记在本行股东名册之日
公开发   股份   过股权转让方式(包括继承、   起三十六个月内,不转让或者委托他人管理
                                                                                        是      是
行相关   限售   赠与)受让本行股份的且股东   其直接或间接持有的本行股份,也不由本行
的承诺          名册变更日期在2012年5月30    收购该部分股份。
                日后的27名新增自然人股东

                                             本行上市后三年内,如本行股票连续 20 个交
                                             易日的收盘价均低于本行最近一期经审计的
                贵阳市国有资产投资管理公
与首次   稳定                                每股净资产,则触发本行持股 5%以上股东增
                司、贵州产业投资(集团)有
公开发   股价                                持本行股票的义务。本行持股 5%以上股东应
                限责任公司、遵义市国有资产                                              是      是
行相关   的承                                在触发增持义务之日起 10 个交易日内就增持
                投融资经营管理有限责任公
的承诺     诺                                本行股份的具体计划书面通知本行,包括但
                司
                                             不限于拟增持的数量范围、价格区间、完成
                                             期限等信息,并由本行进行公告。



  四、聘任、解聘会计师事务所情况

         经公司 2016 年年度股东大会审议通过,聘请安永华明会计师事
  务所(特殊普通合伙)提供 2017 年度财务报告及内部控制审计服务,
  费用共计 155 万元人民币。

  五、重大诉讼、仲裁事项
         截至报告期末,母公司作为原告已起诉尚未判决及已立案尚未开
  庭的诉讼案件共 84 笔,涉诉金额为人民币 1.95 亿元,其中诉讼标的
  1,000 万元以上有 3 笔,总额 0.72 亿元;作为被告应诉尚未判决的
  诉讼案件共 6 笔,涉诉金额为人民币 1,026 万元,未发生作为被告单
  笔金额超过 1,000 万元应诉未判决的案件。

  六、收购及出售资产、吸收合并事项
         无。

  七、上市公司及其董事、监事、高级管理人员、控股股东、实际控制

  人、收购人处罚及整改情况
          □适用 √不适用
                                              -48-
贵阳银行股份有限公司                                2017 年半年度报告



八、报告期内公司及其控股股东、实际控制人诚信状况的说明
      截至报告期末,公司不存在控股股东及实际控制人。

      报告期内,公司不存在未履行重大诉讼案件法院生效判决的情况,
无数额较大债务到期未清偿情形。

九、公司股权激励计划、员工持股计划或其他员工激励措施的情况及

其影响
       □适用 √不适用

十、重大关联交易

      2017年3月22日,公司2017年第一次临时股东大会审议通过了《关
于贵阳银行股份有限公司2017年度日常关联交易预计额度的议案》。
报告期内,公司发生的关联交易均在上述议案的预计额度内开展,主

要为关联授信业务;所有关联交易均按相关法律规定及公司关联交易
审批程序进行,按照等价有偿、公允市价的定价原则,以不优于对非
关联方同类交易的条件进行;公司发生的关联交易对公司正常经营活

动及财务状况无重大影响。
      报告期内,公司与关联方之间发生单笔金额占公司资本净额或公
司最近一期经审计净资产1%(含)以上的重大关联交易有1笔,具体

情况为:公司同意给予关联方“中国贵州航空工业(集团)有限责任
公司及其关联公司”授信额度65000万元,业务品种为短期流贷、进
口信用证、关税保付保函、银行承兑汇票、法人商业用房按揭贷款等,

额度有效期为三年。
      截至报告期末,公司关联交易余额如下:




                              -49-
 贵阳银行股份有限公司                                                       2017 年半年度报告


                                             交易余额(截至目前累计放 占资本净额的比
序号        交易关联方          交易类型
                                             款或交易额)(单位:万元) 例(单位:%)
       贵阳金阳建设投资(集     贷款、委托
 1                                                     84,000                     3.36%
           团)有限公司           贷款
       首钢水城钢铁(集团)     贷款、承兑
 2                                                     47,181                     1.89%
           有限责任公司           汇票
       贵州剑河园方林业投资
 3                                贷款                 33,900                     1.35%
           开发有限公司
       贵州多彩贵州城建设经
 4                              售后回租               29,900                     1.19%
            营有限公司
                                贷款、保
 5     贵州詹阳动力重工有限     函、承兑汇             21,552                     0.86%
               公司             票、信用证
       中国贵州航空工业(集
 6                                贷款                 10,000                     0.40%
         团)有限责任公司
 7     贵州神奇投资有限公司       贷款                 10,000                     0.40%
 8     贵阳联合置业有限公司       贷款                  9,500                     0.38%
 9          关联自然人            贷款                 1,234.24                   0.05%
 注:贵州剑河园方林业投资开发有限公司、贵州多彩贵州城建设经营有限公司以及贵州詹阳动力重工有限
 公司均为贵州产业投资(集团)有限责任公司的子公司


 十一、 重大合同及其履行情况

 (一)托管、承包、租赁事项
       □适用 √不适用

 (二)担保情况
       报告期内,公司除中国银监会批准的经营范围内的担保业务外,
 无其他重大担保事项。

 (三)其他重大合同
       □适用 √不适用

 十二、其他重大事项

 (一) 与上一会计期间相比,会计政策、会计估计和核算方法发生变
 化的情况、原因及其影响
       □适用 √不适用
                                             -50-
贵阳银行股份有限公司                                  2017 年半年度报告



(二) 报告期内发生重大会计差错更正需追溯重述的情况、更正金额、
原因及其影响

      □适用 √不适用

(三) 其他
      公司于 2017 年 03 月 22 日召开 2017 年第一次临时股东大会,审

议通过非公开发行优先股方案以及修订公司章程等相关议案。
      2017 年 5 月,公司收到贵州银监局《贵州银监局关于贵阳银行
股份有限公司非公开发行优先股及修订公司章程的批复》(黔银监复

〔2017〕124 号)。贵州银监局同意公司非公开发行不超过 0.5 亿股
的优先股,募集金额不超过 50 亿元人民币,并按照有关规定计入公
司其他一级资本。

      公司于 2017 年 6 月 12 日收到中国证监会出具的 《中国证监
会行政许可申请受理通知书》(171035 号),中国证监会依法对公司
提交的《贵阳银行股份有限公司非公开发行优先股核准》行政许可申

请材料进行了审查,认为公司非公开发行优先股的申请材料齐全,符
合法定形式,决定对该行政许可申请予以受理。

十三、公司扶贫工作情况

      √适用 □不适用

1.精准扶贫规划
      公司大力开展“普惠行动计划”,积极探索差异化精准金融扶贫

新路径。一是通过有效组合和创新扶贫金融服务体系,积极协助各级
政府实施精准扶贫。二是提供全面性综合化的一揽子金融服务,建立
健全农村金融服务渠道,加大各项融资总量投放,促进贫困地区产业


                               -51-
贵阳银行股份有限公司                               2017 年半年度报告



链良性循环发展,实现金融服务与精准扶贫、精准脱贫有效对接,助
力扶贫攻坚。

2.报告期内精准扶贫概要
     报告期内,为进一步深入贯彻落实“十三五”期间贵州省脱贫攻
坚战略部署,本行以金融精准扶贫“普惠行动计划”为指导,围绕本

行精准扶贫规划,通过易地扶贫搬迁、产业扶贫、医疗教育扶贫、社
会保障扶贫等板块开展扶贫攻坚行动。

(1) 易地扶贫搬迁

      报告期内,公司取得了 2017 年国开行易地扶贫搬迁资金监管资
格。公司已成立专门工作小组,建立完善工作制度和流程,严格监管
资金投放,确保扶贫资金按照要求正确使用。

(2) 产业扶贫和教育扶贫
      为推进公司扶贫产业基金落地,总行各部门加大配合力度,由公
司金融部牵头,授信评审部、投资银行部、风险管理部等多部门协同,

打通业务流程,最大程度为基金项目的落地提供保障;公司组建了 9
个专业化、专注化的“五专”团队,下沉分支行开展工作,引导分支
行提升对脱贫攻坚工作的重视度,实地解决分支行在推进扶贫产业子

基金中遇到的问题,并通过搭建绿色通道加快项目落地。
      截至报告期末,公司已全面完成了扶贫产业基金的各项制度、流
程和授权,完成行内审批流程项目 119 个(含已投放),金额合计

30.68 亿元,其中,已投放扶贫产业基金项目 12 个,金额合计 7.23
亿元。同时,公司建立专项工作团队,参与扶贫产业子基金,继续推
进教育扶贫的开展落实。截至报告期末,公司教育扶贫项目贷款余额


                              -52-
 贵阳银行股份有限公司                                              2017 年半年度报告



 8 亿元,报告期累计发放 6 亿元。

 3.报告期内上市公司精准扶贫工作情况表
                   指标                               数量及开展情况
一、总体情况                            帮助建档立卡贫困人口脱贫数 278,100 人,产业
                                        精准扶贫贷款带动人数 294 人,分项投入见下
                                        表。
二、分项投入
      1.产业发展脱贫
      1.1 产业扶贫项目个数(个)                                                28笔
      1.2 产业扶贫项目投入金额           发放金额:1,630万元;贷款余额:2,384万元
      1.3 帮助建档立卡贫困人口脱贫数                产业精准扶贫贷款带动人数294人
(人)
      2.转移就业脱贫                    帮助建档立卡贫困户实现就业人数 278,100 人
                                        (其中产业精准扶贫贷款带动人数 294 人,项目
                                        精准扶贫贷款服务人数 277,210 人,建档立卡贫
                                        困人口贷款人数 596 人)。
      3.教育脱贫                        教育贷款发放金额61,300万元;贷款余额80,433
                                        万元。



 4.后续精准扶贫计划

       一是公司进一步完善农村金融服务体系。结合农村金融工作的实
 际情况,以“稳发展、重效率”为原则,助推农村信用体系建设,探
 索通过互联网有效对接农村金融与社区金融的新金融服务模式。

       二是继续大力推进扶贫产业子基金落地。公司将结合相关政策,
 主动筛选、积极对接各地项目,重点支持农业产业转型,支持地方特
 色农业产业项目,通过产业带动贫困户脱贫致富。




                                       -53-
          贵阳银行股份有限公司                                                           2017 年半年度报告



                              第七节 普通股股份变动及股东情况

          一、 股本变动情况

          (一) 报告期末股份变动情况表
                                                                                                      单位:股
                        本次变动前                       本次变动增减(+,-)                    本次变动后
                                                           公
                                                           积
                                      比例     发行   送                                                          比例
                       数量                                金        其他         小计            数量
                                      (%)      新股   股                                                          (%)
                                                           转
                                                           股
一、有限售条件股   1,798,591,900       78.25     --   --    --            --             --   1,798,591,900       78.25

1、国家持股*          49,625,892        2.16     --   --    --            --             --      49,625,892        2.16
2、国有法人持股      876,176,383       38.12     --   --    --            --             --     876,176,383       38.12
3、其他内资持股      872,789,625       37.97     --   --    --            --             --     872,789,625       37.97
其中:境内非国有     651,737,658       28.35     --   --    --            --             --     651,737,658       28.35
法人持股
境内自然人持股       221,051,967        9.62     --   --    --            --             --     221,051,967        9.62
4、外资持股                      --       --     --   --    --            --             --                  --      --
其中:境外法人持                 --       --     --   --    --            --             --                  --      --

境外自然人持股                   --       --     --   --    --            --             --                  --      --
二、无限售条件流     500,000,000       21.75     --   --    --            --             --     500,000,000       21.75
通股份
1、人民币普通股      500,000,000       21.75     --   --    --            --             --     500,000,000       21.75
2、境内上市的外                  --       --     --   --    --            --             --                  --      --
资股
3、境外上市的外                  --       --     --   --    --            --             --                  --      --
资股
4、其他                          --       --     --   --    --            --             --                  --      --
三、普通股股份总    2,298,591,900     100.00     --   --    --            --             --   2,298,591,900       100.00


          注:本表中“国家持股*”是指社保基金理事会及其管理的社会保障基金理事会转持二户持有的股份


          (二) 股份变动情况说明

                   □适用 √不适用

          (三) 报告期后到半年报披露日期间发生股份变动对每股收益、每股
          净资产等财务指标的影响

                   □适用 √不适用


                                                        -54-
贵阳银行股份有限公司                                                                 2017 年半年度报告



(四) 限售股份变动情况
        报告期内,公司无限售股份变动情况。
注:本报告披露前,公司首次公开发行限售股(限售期12个月)于2017年8月16日上市流通,此次上市的限
售股共计707,601,249股,共涉及7629名股东。详见公司于2017年8月11日在上海证券交易所公开披露的《贵
阳银行股份有限公司首次公开发行限售股上市流通公告》。


二、股东情况

(一) 股东总数

截至报告期末普通股股东总数(户)                                              86,221



半年度报告披露日前上一月末的普通股股东总数(户)                              87,383



(二) 截至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
                                                                                             单位:股
                                       前十名股东持股情况
                                                   持有有限售       质押或冻结情况
   股东名称        报告期   期末持股数     比例
                                                   条件股份数                                 股东性质
   (全称)        内增减       量         (%)                   股份状态        数量
                                                       量
贵阳市国有资产
                     --     331,097,476   14.40%   331,097,476    质押        28,860,000      国有法人
 投资管理公司
贵州产业投资(集
                     --     141,898,918   6.17%    141,898,918      无               --       国有法人
团)有限责任公司
遵义市国有资产
投融资经营管理       --     94,599,279    4.12%     94,599,279      无               --       国有法人
 有限责任公司
贵州神奇投资有                                                                                境内非国
                     --     71,513,442    3.11%     71,513,442    质押        71,510,000
    限公司                                                                                     有法人
贵阳金阳建设投
资(集团)有限公     --     66,219,495    2.88%     66,219,495      无               --       国有法人
      司
贵州燃气集团股                                                                                境内非国
                     --     52,340,000    2.28%     52,340,000      无               --
  份有限公司                                                                                   有法人
新余汇禾投资管                                                                                境内非国
                     --     50,000,000    2.18%     50,000,000    质押        50,000,000
  理有限公司                                                                                   有法人
全国社会保障基
金理事会转持二       --     49,625,892    2.16%     49,625,892      无               --         国家
      户


                                             -55-
贵阳银行股份有限公司                                                                      2017 年半年度报告


贵阳市工业投资
                           --       47,299,639   2.06%       47,299,639       无           --             国有法人
(集团)有限公司
中国贵州茅台酒
厂(集团)有限责           --       37,839,712   1.65%       37,839,712       无           --             国有法人
       任公司
                                         前十名无限售条件股东持股情况
                                           持有无限售                        股份种类及数量
                股东名称                   条件流通股
                                             的数量              种类                             数量

                 周道忠                      13,808,454         人民币普通股                    13,808,454
中国建设银行股份有限公司-中欧新
                                             9,933,072          人民币普通股                    9,933,072
 蓝筹灵活配置混合型证券投资基金
中国建设银行股份有限公司-万家精
                                             9,378,110          人民币普通股                    9,378,110
         选混合型证券投资基金
新华人寿保险股份有限公司-分红-
                                             9,136,927          人民币普通股                    9,136,927
       个人分红-018L-FH002 沪
       中国证券金融股份有限公司              8,692,589          人民币普通股                    8,692,589
太平人寿保险有限公司-分红-团险
                                             8,290,213          人民币普通股                    8,290,213
                  分红
兴业银行股份有限公司-中欧新趋势
                                             8,100,000          人民币普通股                    8,100,000
       股票型证券投资基金(LOF)
中国建设银行股份有限公司-万家新
                                             8,047,844          人民币普通股                    8,047,844
  利灵活配置混合型证券投资基金
兴业银行股份有限公司-万家和谐增
                                             5,506,743          人民币普通股                    5,506,743
         长混合型证券投资基金
上海银行股份有限公司-万家瑞兴灵
                                             4,133,984          人民币普通股                    4,133,984
       活配置混合型证券投资基金

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
                                                                            无
的说明


(三) 前十名有限售条件股东持股数量及限售情况
                                                                                                 单位:股
                                                                            有限售条件股份可上市交易情况
  序                                                      持有的有限售
                    有限售条件股东名称                                                      新增可上市交易
  号                                                      条件股份数量    可上市交易时间
                                                                                              股份数量
   1            贵阳市国有资产投资管理公司                331,097,476        2019.08                  0
   2        贵州产业投资(集团)有限责任公司              141,898,918        2019.08                  0
           遵义市国有资产投融资经营管理有限责
   3                                                       94,599,279        2019.08                  0
                                任公司
   4               贵州神奇投资有限公司                    71,513,442        2019.08                  0
   5        贵阳金阳建设投资(集团)有限公司               66,219,495        2019.08                  0
   6             贵州燃气集团股份有限公司                  52,340,000        2019.08                  0
   7             新余汇禾投资管理有限公司                  50,000,000        2019.08                  0


                                                     -56-
贵阳银行股份有限公司                                                        2017 年半年度报告


                                                                2017.08             0
  8       全国社会保障基金理事会转持二户*        49,625,892     2018.02
                                                                                    0
                                                                2019.08
  9        贵阳市工业投资(集团)有限公司        47,299,639     2019.08             0
  10    中国贵州茅台酒厂(集团)有限责任公司     37,839,712     2019.08             0
       上述股东关联关系或一致行动的说明                            无
注:“全国社会保障基金理事会转持二户*”所持股票限售期与原划转国有股东股票限售期保持一致,原国
有股限售期限分别为12个月、18个月以及36个月。首钢水城钢铁(集团)有限责任公司等43家转持股东合计
持有的8,040,339 股股份,限售期为12个月,于2017年8月16日解禁流通


三、公司第一大股东简介

       公司无控股股东或实际控制人。
       公司的第一大股东为贵阳市国有资产投资管理公司。贵阳市国有
资产投资管理公司成立于1998年11月,是贵阳市人民政府出资设立的
国有独资公司,注册资本为15.22亿元,经营范围为经济建设项目投
资、市政基础设施项目投资、社会公益项目投资、国有资产及国有股
权经营等。截至报告期末,该公司持有本行股份33110万股,占本行

总股本的14.40%。
       报告期内,贵阳市国资委将其持有的贵阳市国有资产投资管理公
司、贵阳市金阳建设投资(集团)有限公司、贵阳市城市建设投资(集
团)有限公司100%国有股权无偿划转到贵阳控股集团有限公司。贵阳
市国有资产投资管理公司、贵阳市金阳建设投资(集团)有限公司、
贵阳市城市建设投资(集团)有限公司均直接或间接持有本行股票。

待本次无偿划转完成后,贵阳控股集团有限公司将间接持有本行
399,605,328股A股普通股股票,合计占公司总股本的17.38%;贵阳市
国有资产投资管理公司、贵阳市金阳建设投资(集团)有限公司、贵
阳市城市建设投资(集团)有限公司直接或间接持有的公司股份数量
及比例均未发生变化。截至报告期末,贵阳市国有资产投资管理公司
已完成股东变更的工商登记工作,其余两家公司尚未完成股东变更的


                                               -57-
贵阳银行股份有限公司                                                         2017 年半年度报告



工商登记。详见公司2017年5月27日在上海证券交易所网站披露的《贵
阳银行股份有限公司关于股东权益变动的提示性公告》。

四、持有公司股权5%以上的股东情况
                                                                            单位:人民币 千元
                 单位负责人或                                                 主要经营业务或管
 法人股东名称                   成立日期     组织机构代码        注册资本
                   法定代表人                                                   理活动等情况
                                                                            经济建设项目投资、
                                                                            市政基础设施项目投
贵阳市国有资产
                       蒋贤芳   1998.11    91520100709660997R   1,522,150   资、社会公益项目投
投资管理公司
                                                                            资、国有资产及国有
                                                                            股权经营。
贵州产业投资                                                                投资融资;委托贷款;
(集团)有限责         翟彦     2011.12    91520900214419958H   9,000,000   资本运营;旅游开发;
任公司                                                                      投资咨询等。




                                            -58-
 贵阳银行股份有限公司                                                              2017 年半年度报告



           第八节 董事、监事、高级管理人员和员工情况

 一、持股变动情况

         现任及报告期内离任董事、监事和高级管理人员持股变动情况
                                                                                          单位:股
                                                                                   报告期内
                     性     年   任期起    任期终止                                            增减变
姓名        职务                                         年初持股数   年末持股数   股份增减
                     别     龄   始日期      日期                                              动原因
                                                                                     变动量
                                                  董事
陈宗权     董事长    男     58   2014.04   2017.06        314,350      314,350        -           -
李忠祥      董事     男     47   2011.08   2017.06
 杨琪       董事     男     56   2013.01   2017.06         81,700       81,700        -           -
 邓勇       董事     男     52   2014.09   2017.06        268,370      268,370        -           -
蒋贤芳      董事     女     58   2008.01   2017.06         5,850        5,850         -           -
 斯劲       董事     男     38   2016.11   2017.06
张涛涛      董事     男     37   2014.01   2017.06        325,112      325,112        -           -
 曾军       董事     男     45   2014.07   2017.06
 洪鸣       董事     男     57   2014.11   2017.06
 高军       董事     女     59   2015.11   2017.06
曾康霖    独立董事   男     78   2010.03   2017.06
 于研     独立董事   女     52   2010.03   2017.06
郭田勇    独立董事   男     48   2010.03   2017.06
吴志军    独立董事   男     52   2011.08   2017.06
 罗宏     独立董事   男     45   2016.07   2017.06
                                                  监事
张正海     监事长    男     51   2016.07   2017.06
王宗芳      监事     女     51   2013.04   2017.06
丁智南      监事     男     58   2014.06   2017.06        115,120      115,120        -           -

 倪敏     外部监事   女     54   2011.06   2017.06
 余霄     外部监事   男     46   2012.03   2017.06
                                            高级管理人员
李忠祥      行长     男     47   2015.10   2017.06
 杨琪      副行长    男     56   2012.02   2017.06         81,700       81,700        -           -
夏玉琳     副行长    女     46   2012.07   2017.06
梁宗敏     副行长    男     53   2016.11   2017.06        261,140      261,140        -           -
 张伟      副行长    男     43   2016.11   2017.06         94,525       94,525        -           -
晏红武      总稽核   男     52   2004.03   2017.06         14,350       14,350        -           -
          首席信息                                                                    -           -
 杨鑫                男     57   2017.03   2017.06        120,340      120,340
              官
          首席风险                                                                    -           -
 邓勇                男     52   2012.07   2017.06        268,370      268,370
              官
          董事会秘
 董静                男     54   2015.07   2017.06
              书
 合计         -         /   /      -          -          1,600,857    1,600,857       -           -



                                                  -59-
贵阳银行股份有限公司                                                           2017 年半年度报告


注:公司于 2017 年 7 月 21 日召开 2017 年第二次临时股东大会,完成第四届董事会、监事会换届选举;高
军女士不再担任公司董事,曾康霖先生、于研女士、郭田勇先生、吴志军先生不再担任公司独立董事;王
宗芳女士不再担任公司监事,倪敏女士、余霄先生不再担任公司外部监事


二、董事、监事、高级管理人员变动情况
      根据《公司法》《商业银行法》《上市公司治理准则》《商业银行

公司治理指引》等法律法规以及《贵阳银行股份有限公司章程》(以
下简称《公司章程》)的相关规定,公司结合自身实际情况,对任期
届满的第三届董事会、第三届监事会进行了换届选举工作。

      1. 公司于 2017 年 6 月 26 日召开第三届董事会 2017 年度第三次
会议,根据董事会提名委员会提名,同意提名陈宗权先生、李忠祥先
生、杨琪先生、邓勇先生、曾军先生和洪鸣先生为公司第四届董事会

董事候选人;根据贵阳市国有资产投资管理公司、贵州产业投资(集
团)有限责任公司、遵义市国有资产投融资经营管理有限责任公司和
贵州神奇投资有限公司分别提名,分别同意提名蒋贤芳女士、斯劲先

生、母锡华先生和张涛涛先生为公司第四届董事会董事候选人;根据
董事会提名委员会提名,同意提名戴国强先生、朱慈蕴女士、罗宏先
生、杨雄先生和刘运宏先生为公司第四届董事会独立董事候选人。
      2.公司于 2017 年 6 月 26 日召开第三届监事会 2017 年度第三次
会议,同意提名代娟女士为公司第四届监事会监事候选人,同意提名
陈立明先生、朱山先生为公司第四届监事会外部监事候选人;公司于

2017 年 7 月 7 日召开第三届十四次职工(会员)代表大会会议,选
举张正海先生、丁智南先生为公司第四届监事会职工监事。
注:1.公司于 2017 年 7 月 21 日召开 2017 年第二次临时股东大会,审议通过《关于贵阳银行股份有限公司
董事会换届选举的议案》;分别审议通过关于选举陈宗权先生、李忠祥先生、杨琪先生、邓勇先生、蒋贤芳
女士、斯劲先生、母锡华先生、张涛涛先生、曾军先生和洪鸣先生为公司第四届董事会董事的议案;分别
审议通过关于选举戴国强先生、朱慈蕴女士、罗宏先生、杨雄先生和刘运宏先生为公司第四届董事会独立
董事的议案。母锡华先生、戴国强先生、朱慈蕴女士、杨雄先生、刘运宏先生任职资格尚待贵州银监局核
准。
     2. 公司于 2017 年 7 月 21 日召开 2017 年第二次临时股东大会,审议通过《关于贵阳银行股份有限公
司监事会换届选举的议案》, 分别审议通过关于选举代娟女士公司第四届监事会监事、陈立明先生、朱山
先生为公司第四届监事会外部监事的议案。代娟女士、陈立明先生、朱山先生自 2017 年第二次临时股东大
                                             -60-
贵阳银行股份有限公司                                                           2017 年半年度报告


会审议通过之日开始履职。
    3.公司于 2017 年 7 月 21 日召开第四届董事会 2017 年度第一次会议,选举陈宗权先生为董事长,并完
成高级管理人员的聘任。
    4.公司于 2017 年 7 月 21 日召开第四届监事会 2017 年度第一次会议,选举张正海先生为监事长


三、母公司和主要子公司的员工情况

(一) 员工情况
母公司在职员工的数量(不含劳务派遣员工)                   5538
主要子公司在职员工的数量(不含劳务派遣员工)               491
在职员工的数量合计(不含劳务派遣员工)                     6029
母公司及主要子公司需承担费用的离退休职工人数               620
                                            专业构成
专业构成类别                                               专业构成人数
管理类                                                     2180
业务类                                                     3511
保障类                                                     338
合计                                                       6029
                                            教育程度
教育程度类别                                               数量(人)
研究生及以上                                               347
大学本科                                                   4378
大学专科                                                   1181
大学专科以下                                               123
合计                                                       6029


(三) 专业构成与教育程度




                                             -61-
贵阳银行股份有限公司                     2017 年半年度报告



                       第九节 财务报告

      公司半年度财务报告未经审计。

      一、 会计报表(见附件)

      二、 会计报表附注(见附件)




                                -62-
贵阳银行股份有限公司                                   2017 年半年度报告



                       第十节 备查文件目录

      一、载有公司董事长签名的半年度报告正文。

      二、载有公司法定代表人、行长、主管会计工作负责人、会计机
构负责人签章的会计报表。

      上述备查文件原件均备置于公司董事会办公室。




                                      董事长:陈宗权

                                      贵阳银行股份有限公司董事会
                                      2017 年 8 月 28 日




                               -63-
贵阳银行股份有限公司                                2017 年半年度报告



        贵阳银行股份有限公司董事、高级管理人员关于
                   公司2017年半年度报告的确认意见


      根据《中华人民共和国证券法》《公开发行证券的公司信息披露
内容与格式准则第 3 号-半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 26 号—商业银行信息披露特
别规定(2014 年修订)》等相关规定和要求,作为贵阳银行股份有限
公司(以下简称“公司”)的董事、高级管理人员,我们在全面了解

和审核公司 2017 年半年度报告及其摘要后,出具意见如下:
      一、公司严格执行企业会计准则,公司 2017 年半年度报告及其
摘要公允地反应了公司本年度的财务状况和经营成果。
      二、公司 2017 年半年度财务报告未经审计。
      三、我们认为,公司 2017 年半年度报告及其摘要所载资料不存
在任何虚假记载、误导性陈述或重大遗漏,并对其内容的真实性、准
确性和完整性承担个别及连带责任。




董事:陈宗权、李忠祥、杨琪、邓勇、蒋贤芳、斯劲、母锡华、张涛
涛、曾军、洪鸣
独立董事:戴国强、朱慈蕴、罗宏、杨雄、刘运宏
高级管理人员:李忠祥、杨琪、夏玉琳、梁宗敏、张伟、晏红武、
杨鑫、邓勇、董静




                                -64-
贵阳银行股份有限公司                          2017 年半年度报告




                       贵阳银行股份有限公司
                       2017年半年度财务报表
贵阳银行股份有限公司         2017 年半年度报告




贵阳银行股份有限公司
2017年半年度财务报表




内容                                 页码
2017年半年度财务报表
合并及母公司资产负债表               1-4
合并及母公司利润表                   5-6
合并及母公司现金流量表               7-8
合并及母公司股东权益变动表           9-12
财务报表附注                         13-87
- 1 -
- 2 -
- 3 -
         母 公 司 资 产 负 债 表(负 债 和 所 有 者 权 益)
                                                         2017/6/30
                                                                                                                   会商银01-2表
编制单位:贵阳银行股份有限公司                                                                                单位:人民币千元
                                                 注释
          负债和所有者权益(或股东权益)                              期末数                              期初数
                                                   号

负债:

  向中央银行借款                                 16                                                                    200,000

  同业及其他金融机构存放款项                     17                              28,787,179                         18,075,693

  拆入资金                                       18                                 300,000

  以公允价值计量且其变动计入当期损益的金融负债

  衍生金融负债

  卖出回购金融资产款                             19                               6,347,711                         10,479,570

  吸收存款                                       20                            266,094,834                         257,119,175

  应付职工薪酬                                   21                                 610,401                            685,941

  应交税费                                       22                                  94,957                                272

  应付利息                                       23                               2,398,812                          1,828,677

  预计负债

  应付债券                                       24                              68,436,921                         48,107,648

    其中:优先股

         永续债

  递延所得税负债                                 14

  其他负债                                       25                               1,998,006                          2,841,389

    负债合计                                                                   375,068,821                         339,338,365

所有者权益(或股东权益):

  实收资本(或股本)                             26                               2,298,592                          2,298,592

  其他权益工具

    其中:优先股

         永续债

  资本公积                                       27                               4,861,949                          4,861,949

  减:库存股

  其他综合收益                                   28                                (331,088)                          (154,527)

  盈余公积                                       29                               1,533,068                          1,533,068

  一般风险准备                                   30                               4,296,598                          2,595,945

  未分配利润                                     31                               9,536,938                          9,945,843

    所有者权益(或股东权益)合计                                                 22,196,057                         21,080,870

     负债和所有者权益(或股东权益)总计                                        397,264,878                         360,419,235

 法定代表人:                    行长:                 主管会计工作的负责人:                 会计机构负责人:




                                                         - 4 -
                                                 合          并      利         润    表
                                                                  2017年1-6月
                                                                                                                                  会商银02表
编制单位:贵阳银行股份有限公司                                                                                            单位:人民币千元
                                                                   注释
                                项   目                                               本期数                         上年同期数
                                                                     号
一、营业收入                                                                                    5,681,218                         4,370,585

    利息净收入                                                       1                          5,052,989                         3,744,206
      利息收入                                                                                  8,854,814                         5,884,282

      利息支出                                                                                 (3,801,825)                    (2,140,076)
    手续费及佣金净收入                                               2                            626,621                           471,390

      手续费及佣金收入                                                                            697,251                           505,051
      手续费及佣金支出                                                                            (70,630)                          (33,661)

    投资收益                                                         3                             (3,723)                          154,961
      其中:对联营企业和合营企业的投资收益

    公允价值变动收益                                                 4                             (5,286)                           (6,807)
    净敞口套期损益

    汇兑收益                                                                                          365                             2,561
    其他收益                                                         8                              7,473

    其他业务收入                                                                                    2,779                             4,274
二、营业支出                                                                                   (3,485,021)                    (2,602,874)

    税金及附加                                                       5                            (45,094)                         (212,252)
    业务及管理费                                                     6                         (1,507,361)                    (1,062,252)

    资产减值损失                                                     7                         (1,929,841)                    (1,326,176)

    其他业务成本                                                                                   (2,725)                           (2,194)

三、营业利润                                                                                    2,196,197                         1,767,711

  加:营业外收入                                                     9                              1,813                             5,538

      其中:非流动资产处置利得

  减:营业外支出                                                    10                             (8,016)                           (4,723)

      其中:非流动资产处置损失                                                                       (800)                             (388)

四、利润总额                                                                                    2,189,994                         1,768,526
  减:所得税费用                                                    11                           (282,477)                         (214,140)

五、净利润                                                                                      1,907,517                         1,554,386
   归属于母公司所有者的净利润                                                                   1,902,065                         1,543,115

   少数股东损益                                                                                     5,452                            11,271
六、其他综合收益的税后净额                                          12                           (176,561)                         (137,295)

     归属于母公司所有者的其他综合收益的税后净额                                                  (176,561)                         (137,295)

    (一)以后不能重分类进损益的其他综合收益

      其中:重新计量设定受益计划净负债或净资产导致的变动

              权益法下在被投资单位不能重分类进损益的其他综
              合收益中所享有的份额
    (二)以后将重分类进损益的其他综合收益                                                       (176,561)                         (137,295)

     其中:权益法下在被投资单位以后将重分类进损益的其他
           综合收益中所享有的份额

             可供出售金融资产公允价值变动损益                                                    (176,561)                         (137,295)

             持有至到期投资重分类为可供出售金融资产损益

             现金流量套期损益的有效部分

             外币财务报表折算差额

    归属于少数股东的其他综合收益的税后净额

七、综合收益总额                                                                                1,730,956                         1,417,091
    归属于母公司所有者的综合收益总额                                                            1,725,504                         1,405,820

    归属于少数股东的综合收益总额                                                                    5,452                            11,271
八、每股收益(元/股)

    (一)基本每股收益                                                                               0.83                              0.86
    (二)稀释每股收益                                                                               0.83                              0.86
 法定代表人:                        行长:                  主管会计工作的负责人:                    会计机构负责人:




                                                                    - 5 -
                                                母        公       司       利          润       表
                                                                    2017年1-6月
                                                                                                                                        会商银02表
编制单位:贵阳银行股份有限公司                                                                                                  单位:人民币千元
                                                                   注释
                              项    目                                                  本期数                            上年同期数
                                                                     号

一、营业收入                                                                                      5,367,880                             4,280,549

    利息净收入                                                      1                             4,744,411                             3,640,973

      利息收入                                                                                    8,333,542                             5,752,367

      利息支出                                                                                   (3,589,131)                           (2,111,394)

    手续费及佣金净收入                                              2                                 621,861                             472,347

      手续费及佣金收入                                                                                689,557                             504,585

      手续费及佣金支出                                                                                (67,696)                            (32,238)

    投资收益                                                        3                                  (3,723)                            167,201

      其中:对联营企业和合营企业的投资收益

    公允价值变动收益                                                4                                  (5,286)                             (6,807)

    净敞口套期损益

    汇兑收益                                                                                              365                               2,561

    其他收益                                                        8                                   7,473

    其他业务收入                                                                                        2,779                               4,274

二、营业支出                                                                                     (3,227,301)                           (2,532,153)

    税金及附加                                                      5                                 (43,461)                           (208,162)

    业务及管理费                                                    6                            (1,432,463)                           (1,005,931)

    资产减值损失                                                    7                            (1,748,652)                           (1,315,866)

    其他业务成本                                                                                       (2,725)                             (2,194)

三、营业利润                                                                                      2,140,579                             1,748,396

  加:营业外收入                                                    9                                   1,813                               5,335

      其中:非流动资产处置利得

  减:营业外支出                                                    10                                 (7,993)                             (4,348)

      其中:非流动资产处置损失                                                                           (777)                                (14)

四、利润总额                                                                                      2,134,399                             1,749,383

  减:所得税费用                                                    11                             (245,017)                             (205,760)

五、净利润                                                                                        1,889,382                             1,543,623

六、其他综合收益的税后净额                                          12                             (176,561)                             (137,295)

    (一)以后不能重分类进损益的其他综合收益

      其中:重新计量设定受益计划净负债或净资产导致的变动

              权益法下在被投资单位不能重分类进损益的其他综
              合收益中所享有的份额

    (二)以后将重分类进损益的其他综合收益                                                         (176,561)                             (137,295)

     其中:权益法下在被投资单位以后将重分类进损益的其他
           综合收益中所享有的份额

             可供出售金融资产公允价值变动损益                                                      (176,561)                             (137,295)

             持有至到期投资重分类为可供出售金融资产损益

             现金流量套期损益的有效部分

             外币财务报表折算差额

七、综合收益总额                                                                                  1,712,821                             1,406,328

八、每股收益(元/股)

    (一)基本每股收益

    (二)稀释每股收益

 法定代表人:                       行长:                     主管会计工作的负责人:                       会计机构负责人:




                                                                        - 6 -
编制单位:贵
    - 7 -
编制单位:贵
    - 8 -
                                                    合 并 所 有 者 权 益 变 动 表
                                                                      2017年6月30日
                                                                                                                                                                    会商银04表
编制单位:贵阳银行股份有限公司                                                                                                                                单位:人民币千元
                                                                                                       本期数
                                                                                   归属于母公司所有者权益
                  项   目                                                                                                                               少数股东   所有者权益
                                            实收资本        其他权益工具         资本        减:  其他综合    盈余           一般风险      未分配
                                             (或股本)   优先股 永续债 其他       公积      库存股    收益      公积             准备          利润       权益         合计
一、上年年末余额                            2,298,592                          4,861,949           (154,527) 1,533,068        2,595,945   10,002,204    862,477    21,999,708
 加:会计政策变更
   前期差错更正
   其他
二、本年年初余额                            2,298,592                          4,861,949              (154,527)   1,533,068   2,595,945   10,002,204    862,477    21,999,708
三、本期增减变动金额(减少以“-”号填列)                                                             (176,561)               1,700,653     (396,222)     5,452     1,133,322
(一)综合收益总额                                                                                    (176,561)                            1,902,065      5,452     1,730,956
(二)所有者投入和减少资本
1. 所有者投入资本(或股本)
2.股份支付计入所有者权益的金额
3.其他
(三)利润分配                                                                                                                1,700,653   (2,298,287)                (597,634)
1. 提取盈余公积
2.提取一般风险准备                                                                                                           1,700,653   (1,700,653)
3.对所有者(或股东)的分配                                                                                                                 (597,634)                (597,634)
4.其他
(四)所有者权益内部结转
1.资本公积转增资本(或股本)
2.盈余公积转增资本(或股本)
3.盈余公积弥补亏损
4.一般风险准备弥补亏损
5.其他
四、本期期末余额                            2,298,592                          4,861,949              (331,088)   1,533,068   4,296,598    9,605,982    867,929    23,133,030

法定代表人:                           行长:                                主管会计工作的负责人:                              会计机构负责人:



                                                                                    - 9 -
                                                   母 公 司 所 有 者 权 益 变 动 表
                                                                               2017年6月30日
                                                                                                                                                                 会商银04表
编制单位:贵阳银行股份有限公司                                                                                                                             单位:人民币千元
                                                                                                            本期数
                  项   目                   实收资本        其他权益工具              资本          减:     其他综合      盈余      一般风险     未分配       所有者权益

                                            (或股本)    优先股   永续债     其他      公积         库存股      收益        公积        准备        利润           合计
一、上年年末余额                            2,298,592                               4,861,949                (154,527)   1,533,068   2,595,945    9,945,843     21,080,870
 加:会计政策变更
   前期差错更正
   其他
二、本年年初余额                            2,298,592                               4,861,949                (154,527)   1,533,068   2,595,945    9,945,843     21,080,870
三、本期增减变动金额(减少以“-”号填列)                                                                    (176,561)               1,700,653     (408,905)     1,115,187
(一)综合收益总额                                                                                           (176,561)                            1,889,382      1,712,821
(二)所有者投入和减少资本
1. 所有者投入资本(或股本)
2.股份支付计入所有者权益的金额
3.其他
(三)利润分配                                                                                                                       1,700,653   (2,298,287)      (597,634)
1. 提取盈余公积
2.提取一般风险准备                                                                                                                  1,700,653   (1,700,653)
3.对所有者(或股东)的分配                                                                                                                        (597,634)      (597,634)
4.其他
(四)所有者权益内部结转
1.资本公积转增资本(或股本)
2.盈余公积转增资本(或股本)
3.盈余公积弥补亏损
4.一般风险准备弥补亏损
5.其他
四、本期期末余额                            2,298,592                               4,861,949                (331,088)   1,533,068   4,296,598    9,536,938     22,196,057

法定代表人:                        行长:                                主管会计工作的负责人:                          会计机构负责人:




                                                                                    - 10 -
- 11 -
- 12 -
                           贵阳银行股份有限公司

                                 财务报表附注
                                     2017 年 1-6 月
                                                             金额单位:人民币千元

    一、本行基本情况

    贵阳银行股份有限公司(以下简称本行)前身为贵阳市城市合作银行,系 1996 年 11

月 25 日经中国人民银行银复〔1996〕396 号文批准,在原贵阳市 25 家城市信用社及联社清

产核资基础上,由 25 家城市信用社及联社的股东和贵阳市财政局共同发起设立的地方性商

业银行。1998 年 4 月 2 日经中国人民银行贵州省分行黔银复〔1998〕45 号文批准,本行更

名为贵阳市商业银行股份有限公司。2010 年 9 月 20 日经中国银行业监督管理委员会银监复

〔2010〕444 号文批准,本行更名为贵阳银行股份有限公司。

    本行持有中国银行业监督管理委员会贵州监管局于 2010 年 11 月 2 日颁发的金融许可证,

机构编码为 B0215H252010001;取得贵州省工商行政管理局于 2016 年 11 月 7 日颁发的营业

执照,统一社会信用代码为 9152010021449398XY,注册资本人民币 2,298,591,900.00 元,

股份总数 2,298,591,900 股(每股面值 1 元)。其中,有限售条件的流通股份 A 股

1,798,591,900 股;无限售条件的流通股份 A 股 500,000,000 股。本行股票已于 2016 年 8

月 16 日在上海证券交易所挂牌交易。

    本行总部位于贵州省贵阳市。截至 2017 年 6 月 30 日,本行在贵阳市内共设有总行营业

部和 151 家支行,在贵州省毕节市、凯里市、遵义市、都匀市、安顺市、铜仁市、兴义市、

六盘水市、四川省成都市分别设有分行。本行于 2011 年 12 月投资设立控股子公司广元市贵

商村镇银行股份有限公司(以下简称广元村镇银行),本行持有广元村镇银行 51.00%股份;

于 2016 年 7 月投资设立控股子公司贵阳贵银金融租赁有限责任公司(以下简称贵银金融租

赁公司),本行持有贵银金融租赁公司 67.00%股份。

    本行属银行业,经营范围涵盖了各类存贷款业务、结算业务、担保业务、代理业务、资

产业务和财务顾问业务等。目前本行主要从事的业务有: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;从事同行拆借;提供信用证服务及担保;代理收

                                     - 13 -
付款项及代理保险业务;提供保管箱业务;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。

    本行注册地址为:贵州省贵阳市中华北路 77 号。法定代表人:陈宗权。

    本财务报表业经本行 2017 年 8 月 28 日第四届董事会 2017 年度第一次临时会议批准对

外报出。

    本行将广元村镇银行和贵银金融租赁公司等 2 家子公司纳入本期合并财务报表范围,情

况详见本财务报表附注合并范围的变更和在其他主体中的权益之说明。



    二、遵循企业会计准则的声明

    本行及所属子公司(以下简称本集团)所编制的财务报表符合企业会计准则的要求,采

用的会计政策与上年度财务报表相一致,真实、完整地反映了本集团的财务状况、经营成果

和现金流量等有关信息。

    本行根据修订后的《企业会计准则第 16 号——政府补助》,在利润表中的“营业利润”

项目之上单独列报“其他收益”项目,计入其他收益的政府补助在该项目中反映。对 2017

年 1 月 1 日存在的政府补助采用未来适用法处理,对 2017 年 1 月 1 日至准则施行日之间新

增的政府补助根据准则进行调整。

    三、财务报表项目注释

    说明:本财务报表附注的期初数指 2017 年 1 月 1 日财务报表数,期末数指 2017 年 6

月 30 日财务报表数,本期指 2017 年 1 月-6 月,上年同期指 2016 年 1 月-6 月。

    (一) 资产负债表项目注释

    1. 现金及存放中央银行款项
                                       合并                         母公司              备注
           项 目
                              期末数          期初数       期末数            期初数

库存现金                        878,266        991,993      828,053           947,580


存放中央银行法定准备金       34,133,675    34,745,811     33,547,928    34,311,728      [注 1]


存放中央银行超额存款准备金   10,232,933       7,158,982   10,061,889     5,666,663      [注 2]


存放中央银行的其他款项           30,695        284,749       30,695           284,749   [注 3]

                                          - 14 -
             合   计                  45,275,569      43,181,535       44,468,565     41,210,720



    [注1]:存放中央银行法定准备金系按规定向中国人民银行缴存一般性存款的存款准备

金,包括人民币存款准备金和外币存款准备金。该准备金不能用于日常业务,未经中国人民

银行批准不得动用。缴存法定存款准备金的存款范围包括机关团体存款、财政预算外存款、

个人存款、单位存款、委托业务负债项目轧减资产项目后的贷方余额及其他各项存款。

    本行适用的存款准备金缴存比率为:

                       币   种                                期末数                          期初数

                       人民币                                  13.50%                         13.50%

                        外币                                   5.00%                          5.00%

    子公司广元村镇银行适用的存款准备金缴存比率为:

                       币   种                                期末数                          期初数

                       人民币                                  9.00%                          9.00%

    [注2]:存放中央银行超额存款准备金系存放于中国人民银行用于清算的超额准备金。

    [注3]:存放中央银行的其他款项主要系缴存央行财政性存款。



    2. 存放同业款项

    1)明细情况
                                                      合并                               母公司
             项 目
                                          期末数              期初数           期末数              期初数

        存放境内同业                          4,077,353       5,491,949         3,012,106           4,582,788

    存放境内其他金融机构                         10,732                 -                 -                   -

        存放境外同业                             67,806           103,535           67,806             103,535

             合   计                          4,155,891       5,595,484         3,079,912           4,686,323

    存放同业款项坏账准备                       (16,000)           (9,920)                 -

             净   值                          4,139,891       5,585,564         3,079,912           4,686,323




    2)坏账准备变动情况
                                              合并                                      母公司
     项 目
                             本期数                  上年同期数              本期数              上年同期数
期初余额                              9,920
本期计提                              6,080
                                                     - 15 -
期末余额                           16,000



   3. 以公允价值计量且其变动计入当期损益的金融资产

                                                                        合并及母公司
                   项 目
                                                          期末数                            期初数

交易性债券投资                                                      2,916,100                             943,518

其中:政策性银行金融债券                                              294,921                             117,401

        国债                                                          319,334                             306,470

        企业债券                                                       20,338                              20,569

        同业存单                                                    2,281,507                             499,078

                   合    计                                         2,916,100                             943,518




   4. 买入返售金融资产
                                                     合并                                  母公司
                 项 目
                                            期末数            期初数             期末数              期初数
债券                                        19,266,391            7,952,415      17,650,891              7,952,415
其中:国债                                  4,966,700                    -       4,587,200                        -
        政策性银行金融债券                  14,299,691            2,607,655      13,063,691              2,607,655
        企业债                                       -            2,399,760                 -            2,399,760
        同业存单                                     -            2,945,000                 -            2,945,000
                              合   计       19,266,391            7,952,415      17,650,891              7,952,415
买入返售金融资产坏账准备                             -                   -                  -                     -
净 值                                       19,266,391            7,952,415      17,650,891              7,952,415



   5. 应收利息

   (1) 明细情况
                                                            合并                                母公司
                   项 目
                                                  期末数              期初数        期末数               期初数
以公允价值计量且其变动计入当期损益的
金融资产利息                                             7,835           5,588            7,835             5,588

可供出售金融资产利息                                 337,766           231,723       337,766              231,723

持有至到期投资利息                                   806,905           660,472       806,905              660,472

应收款项类投资利息                                   282,546           124,118       282,546              124,118

发放贷款和垫款利息                                   380,783           324,061       370,044              314,670

存放金融机构利息                                         22,431         35,070         14,429              30,810


                                                - 16 -
买入返售金融资产利息                               9,154             7,451            9,154        7,451

                     合   计                    1,847,420      1,388,483       1,828,679       1,374,832

应收利息坏账准备                                        -               -                -               -

                     净 值                      1,847,420      1,388,483       1,828,679       1,374,832




    (2) 账龄列示

    合并

                                         期末数                                       期初数
           账      龄
                                        金额            比例(%)                  金额           比例(%)

1 年以内                           1,847,420                  100            1,388,483               100

           合      计              1,847,420                  100            1,388,483               100

    母公司

                                         期末数                                       期初数
           账      龄
                                        金额            比例(%)                  金额           比例(%)

1 年以内                           1,828,679                  100            1,374,832               100

           合      计              1,828,679                  100            1,374,832               100



    6. 发放贷款和垫款

    (1) 按个人和企业分布情况
                                         合并                                         母公司
           项 目
                               期末数               期初数                   期末数             期初数
个人贷款和垫款:
住房按揭贷款                     8,169,831            7,051,212                7,916,012       6,804,948
个人生产及经营性贷款            12,661,305            12,789,226              11,022,537       11,300,765
信用卡垫款                       3,065,039            2,396,842                3,065,039       2,396,842
其他个人贷款                     1,935,208            1,509,807                1,484,459       1,144,245
       小       计              25,831,383            23,747,087              23,488,047       21,646,800
企业贷款和垫款:
一般贷款                        82,933,114            77,332,508              81,407,825       75,994,299
贸易融资                           553,339              504,448                  553,339         504,448
贴现                               318,742              878,147                  318,742         878,147
垫款                                38,359                  31,520                38,359          31,520
       小       计              83,843,554            78,746,623              82,318,265       77,408,414


                                             - 17 -
贷款和垫款总额               109,674,937        102,493,710         105,806,312    99,055,214

贷款和垫款损失准备           (4,028,772)        (3,414,816)         (3,911,582)   (3,325,406)
其中:单项计提数             (1,096,582)            (789,250)       (1,071,572)     (764,240)
         组合计提数          (2,932,190)        (2,625,566)         (2,840,010)   (2,561,166)
贷款和垫款净值               105,646,165            99,078,894      101,894,730    95,729,808



     (2)按行业分布情况

     合并
       行业分布          期末数                 比例(%)          期初数           比例(%)

农、林、牧、渔业             947,132                  0.86           911,079           0.89

采矿业                     1,758,722                  1.60         1,365,664           1.33

制造业                     7,601,058                  6.93         8,070,288           7.87

电力、燃气及水的
                           1,882,690                  1.72         1,734,391           1.69
生产和供应业

建筑业                    19,132,168                 17.44        17,631,881          17.19

交通运输、仓储和
                           3,502,846                  3.19         4,063,966           3.97
邮政业
信息传输、计算机
                             404,630                  0.37           484,482           0.47
服务和软件业

批发和零售业              10,192,806                  9.29         9,378,884           9.15

住宿和餐饮业               1,522,137                  1.39         1,513,530           1.48

金融业                       600,000                  0.55           600,000           0.59

房地产业                   8,440,127                  7.70         7,457,105           7.28

租赁和商务服务业          10,291,151                  9.39         9,200,737           8.98

科学研究、技术服
                             336,899                  0.31           280,553           0.27
务和地质勘查业
水利、环境和公共
                           9,829,974                  8.96         8,257,619           8.06
设施管理业
居民服务和其他服
                             860,184                  0.78           906,249           0.88
务业

教育                       4,219,972                  3.85         3,420,118           3.34

卫生、社会保障和
                           1,829,648                  1.67         1,420,162           1.39
社会福利业
文化、体育和娱乐
                             467,235                  0.43           537,750           0.52

公共管理和社会组
                              24,175                  0.02         1,512,165           1.48


                                           - 18 -
个人                         25,831,383                 23.55            23,747,087       23.17

 贷款和垫款总额             109,674,937              100.00             102,493,710       100.00

贷款和垫款损失准
                            (4,028,772)                                 (3,414,816)


其中:单项计提数            (1,096,582)                                  (789,250)

组合计提数                  (2,932,190)                                 (2,625,566)

 贷款和垫款净值             105,646,165                                  99,078,894




     母公司
               行业分布                   期末数           比例(%)          期初数        比例(%)

农、林、牧、渔业                             710,872             0.67           694,518       0.7

采矿业                                     1,717,762             1.62         1,324,704      1.34

制造业                                     7,153,671             6.76         7,686,838      7.76

电力、燃气及水的生产和供应业               1,871,740             1.77         1,724,841      1.74

建筑业                                     18,814,867           17.77        17,352,471     17.52

交通运输、仓储和邮政业                     3,480,346             3.29         4,044,466      4.08

信息传输、计算机服务和软件业                 403,680             0.38           483,532      0.49

批发和零售业                               9,930,716             9.39         9,182,524      9.27

住宿和餐饮业                               1,413,029             1.34         1,377,716      1.39

金融业                                       600,000             0.57           600,000      0.61

房地产业                                   8,440,127             7.98         7,457,105      7.53

租赁和商务服务业                           10,283,151            9.72         9,195,737      9.28

科学研究、技术服务和地质勘查业               306,899             0.29           250,553      0.25

水利、环境和公共设施管理业                 9,825,474             9.29         8,253,119      8.33

居民服务和其他服务业                         854,584             0.81           900,149      0.91

教育                                       4,219,972             3.99         3,420,118      3.45

卫生、社会保障和社会福利业                 1,801,915             1.70         1,412,058      1.43

文化、体育和娱乐业                           465,285             0.44           535,800      0.54

公共管理和社会组织                             24,175            0.02         1,512,165      1.53

个人                                       23,488,047           22.20        21,646,800     21.85

           贷款和垫款总额                 105,806,312       100.00           99,055,214    100.00


                                            - 19 -
贷款和垫款损失准备                          (3,911,582)               (3,325,406)

其中:单项计提数                            (1,071,572)                 (764,240)

组合计提数                                  (2,840,010)               (2,561,166)

            贷款和垫款净值                  101,894,730                95,729,808




     (3) 按担保方式分布情况

                                            合并                              母公司
          项 目
                               期末数               期初数           期末数             期初数

信用贷款                         10,783,287           9,217,039        10,146,082       8,726,563

保证贷款                         20,763,409          21,232,057        19,318,003       19,912,744

附担保物贷款                     78,128,241          72,044,614        76,342,227       70,415,907

其中:抵押贷款                   45,125,995          45,625,270        43,425,906       44,070,568

         质押贷款                33,002,246          26,419,344        32,916,321       26,345,339

贷款和垫款总额                  109,674,937         102,493,710       105,806,312       99,055,214

贷款和垫款损失准备              (4,028,772)         (3,414,816)       (3,911,582)      (3,325,406)

其中:单项计提数                (1,096,582)           (789,250)       (1,071,572)       (764,240)

组合计提数                      (2,932,190)         (2,625,566)       (2,840,010)      (2,561,166)

     贷款和垫款净值             105,646,165          99,078,894       101,894,730       95,729,808




     (4) 按地区分布情况

     合并

      地区分布               期末数                       比例(%)    期初数                比例(%)

贵州省                         99,506,915                    90.73     92,465,215            90.22

四川省                         10,168,022                     9.27     10,028,495             9.78

 贷款和垫款总额               109,674,937                  100.00     102,493,710           100.00

贷款和垫款损失准
                              (4,028,772)                             (3,414,816)


其中:单项计提数              (1,096,582)                               (789,250)

组合计提数                    (2,932,190)                             (2,625,566)

 贷款和垫款净值               105,646,165                              99,078,894


                                              - 20 -
   母公司

地区分布                        期末数                   比例(%)                期初数                比例(%)

 贵州省                                   99,506,915                94.05                92,465,215            93.35

 四川省                                    6,299,397                    5.95             6,589,999                6.65

 贷款和垫款总额                          105,806,312               100.00                99,055,214           100.00

 贷款和垫款损失准备                      (3,911,582)                                 (3,325,406)

 其中:单项计提数                        (1,071,572)                                     (764,240)

 组合计提数                              (2,840,010)                                 (2,561,166)

 贷款和垫款净值                          101,894,730                                     95,729,808



   (5) 逾期贷款(按担保方式)

   合并
                      逾期 1 天至 90      逾期 90 天至     逾期 360 天至 3
     期末数                天               360 天                 年            逾期 3 年以上          合    计
                      (含 90 天)       (含 360 天)      (含 3 年)
信用贷款                     47,828             63,315              59,335                      -            170,478
保证贷款                    700,030            414,036             168,863                    178       1,283,107
附担保物贷款              1,227,148            989,235             463,651                  3,509       2,683,543
其中:抵押贷款            1,154,591            798,635             457,236                  3,509       2,413,971
      质押贷款               72,557            190,600                  6,415                   -            269,572
     合 计                1,975,006          1,466,586             691,849                  3,687       4,137,128
                      逾期 1 天至 90      逾期 90 天至     逾期 360 天至 3
     期初数                天               360 天                 年            逾期 3 年以上          合    计
                      (含 90 天)       (含 360 天)      (含 3 年)
信用贷款                     44,003            119,360                  1,399                                164,762
保证贷款                    704,307            370,630             124,989                 28,038       1,227,964
附担保物贷款              1,702,241            745,953             333,018                  1,910       2,783,122
其中:抵押贷款            1,683,758            709,929             331,083                  1,910       2,726,680
      质押贷款               18,483             36,024                  1,935                                 56,442
     合 计                2,450,551          1,235,943             459,406                 29,948       4,175,848



   母公司
                                           逾期 90 天至     逾期 360 天至 3
                    逾期 1 天至 90 天
    期末数                                    360 天               年            逾期 3 年以上         合    计
                       (含 90 天)       (含 360 天)      (含 3 年)


                                               - 21 -
信用贷款                             39,080              63,315              59,335                    -          161,730
保证贷款                           561,098              414,036             168,863                 178       1,144,175
附担保物贷款                     1,158,770              989,235             463,651             3,509         2,615,165
其中:抵押贷款                   1,096,213              798,635             457,236             3,509         2,355,593
           质押贷款                  62,557             190,600                  6,415                 -          259,572
          合 计                  1,758,948            1,466,586             691,849             3,687         3,921,070
                                                   逾期 90 天至       逾期 360 天至 3
                         逾期 1 天至 90 天
          期初数                                      360 天                年           逾期 3 年以上       合    计
                             (含 90 天)          (含 360 天)       (含 3 年)
信用贷款                             39,826             116,304                    166                 -          156,296
保证贷款                           640,234              360,607             106,579            27,559         1,134,979
附担保物贷款                     1,650,828              740,024             326,370             1,810         2,719,032
其中:抵押贷款                   1,632,445              704,000             324,435             1,810         2,662,690
           质押贷款                  18,383              36,024                  1,935                 -           56,342
          合 计                  2,330,888            1,216,935             433,115            29,369         4,010,307

      [注]:逾期贷款是指本金或利息逾期 1 天或以上的贷款。上述按担保方式分类的逾期贷

款,对于可以分期付款偿还的客户贷款及垫款,如果部分分期付款已逾期,该等贷款的全部

金额均被分类为逾期。



      (6) 贷款损失准备

      合并
                                     期末数                                               上年同期数
     项    目
                      单项            组合              小     计           单项             组合           小    计

期初余额              789,250       2,625,566          3,414,816             549,888       2,410,486        2,960,374

本期计提              798,778         306,624          1,105,402           1,226,999        (17,796)        1,209,203

本期核销及
                   (474,695)                   -       (474,695)        (1,110,513)                        (1,110,513)
处置
本期收回原
转销贷款和
                                               -             19,198              4,315                            4,315
垫款导致转
回                     19,198
折现回拨              (35,949)                 -         (35,949)           (38,345)                          (38,345)
期末余额           1,096,582        2,932,190          4,028,772             632,344       2,392,690        3,025,034



      母公司

  项       目                         期末数                                               上年同期数



                                                       - 22 -
                    单项      组合            小       计            单项            组合            小    计


 期初余额          764,240   2,561,166        3,325,406               527,189       2,363,384         2,890,573


 本期计提          798,778    278,844         1,077,622          1,223,545           (24,652)         1,198,893

本期核销
               (474,695)             -        (474,695)        (1,110,513)                          (1,110,513)
及处置
本期收回
原转销贷
                   19,198            -             19,198               4,315                              4,315
款和垫款
导致转回

 折现回拨       (35,949)             -         (35,949)              (38,345)                          (38,345)

 期末余额      1,071,572     2,840,010        3,911,582               606,191       2,338,732         2,944,923




   7. 可供出售金融资产

   (1) 明细情况

                                                   合并                                  母公司
              项    目
                                     期末数                 期初数              期末数            期初数

可供出售债券投资                     62,031,004             85,837,014          62,031,004        85,837,014

其中:国债                               1,709,798          5,693,553           1,709,798         5,693,553

       政策性银行金融债券                 859,881             932,145             859,881           932,145

       企业债和铁路债                    2,672,433          2,897,084           2,672,433         2,897,084

       其他金融债                        1,216,050          1,969,126           1,216,050         1,969,126

       同业存单                      43,210,433             65,638,708          43,210,433        65,638,708
       信贷资产证券化信托资产
                                          287,663             257,904             287,663           257,904
支持证券
       地方政府债券                  12,074,746             8,448,494           12,074,746        8,448,494

可供出售权益工具                          119,650             119,650             119,650          119,650

其中:按公允价值计量的                             -                   -                 -                  -

         按成本计量的                     119,650             119,650             119,650           119,650

理财产品及资产管理计划                   9,321,481          8,160,001           9,121,481         8,060,001

基金                                 11,800,000               500,000           11,800,000          500,000

              合    计               83,272,135             94,616,665          83,072,135        94,516,665

可供出售金融资产减值准备                  (3,000)                      -                 -                  -

              净    值               83,269,135             94,616,665          83,072,135        94,516,665




                                              - 23 -
   (2) 期末按公允价值计量的可供出售金融资产

                                                                        合并
           项    目            可供出售债       可供出售         理财产品及资
                                                                                        基金         小     计
                                 券投资         权益工具             产管理计划
权益工具的成本/债务工具的
                               62,472,454                -             9,318,481      11,800,000    83,590,935
摊余成本

公允价值                       62,031,004                -             9,321,481      11,800,000    83,152,485

累计入其他综合收益的公允价
                                (441,450)                -                        -            -     (441,450)
值变动金额

已计提减值金额                            -              -               (3,000)               -       (3,000)




                                                                       母公司

           项    目                                                  理财产品及
                               可供出售债       可供出售权
                                                                     资产管理计         基金         小     计
                                券投资            益工具
                                                                         划
权益工具的成本/债务工具的
                               62,472,454                    -         9,121,481      11,800,000    83,393,935
摊余成本

公允价值                       62,031,004                    -         9,121,481      11,800,000    82,952,485

累计入其他综合收益的公允价
                                (441,450)                    -                    -            -     (441,450)
值变动金额

已计提减值金额                            -                  -                    -            -                 -




   (3) 期末按成本计量的可供出售金融资产
                                                         合并及母公司
  被投资单位                                                 账面余额
                        期初数                 本期增加                   本期减少                 期末数
中国银联股份有限
                             13,000                              -                       -             13,000
公司
城市商业银行资金
                                 400                             -                       -                   400
清算中心
贵州省农业信贷担
                             106,250                             -                       -            106,250
保股份有限公司
  小 计                      119,650                             -                       -            119,650

   (续上表)
                                              减值准备                                在被投资单位 本期
    被投资单位
                      期初数      本期增加        本期减少              期末数        持股比例(%) 现金红利


                                               - 24 -
中国银联股份有限
                                                                                                          0.34
公司
城市商业银行资金
                                                                                                          1.33
清算中心
贵州省农业信贷担
                                                                                                          8.50
保股份有限公司
 小 计

   4) 可供出售金融资产减值准备
                                               合并                                             母公司
       项 目
                              本期数                    上年同期数                   本期数                 上年同期数
期初余额                                  -                              -                        -                        -
本期计提                               3,000                             -                        -                        -
期末余额                               3,000                             -                        -                        -



   8. 持有至到期投资

                                                           合并                                       母公司
               项   目
                                                期末数               期初数              期末数                   期初数

债券投资                                       58,878,109         51,574,655            58,777,682               51,574,655

其中:国债                                     17,719,055         16,757,109            17,719,055               16,757,109

政策性银行金融债券                                687,296              358,524             586,868                  358,524

其他金融债                                                -             99,992                        -              99,992

铁路债                                          2,199,648            2,199,644           2,199,648                2,199,644
信贷资产证券化信托资产支持证券                        52,350            98,800                52,350                 98,800

       地方政府债券                            38,219,760         32,060,586            38,219,761               32,060,586

               合   计                         58,878,109         51,574,655            58,777,682               51,574,655

持有至到期投资减值准备                                    -                    -                      -                    -

               净 值                           58,878,109         51,574,655            58,777,682               51,574,655




   9. 应收款项类投资

   (1) 明细情况
                                                                                   合并及母公司
                    项   目
                                                                  期末数                                  期初数

资产管理计划及信托计划                                                  75,949,552                               55,972,349

其他                                                                          400,000                                      -

                    合   计                                             76,349,552                               55,972,349


                                                      - 25 -
应收款项类投资减值准备                                  (1,441,045)                 (769,886)

                        净 值                            74,908,507                55,202,463

   (2) 减值准备变动情况
                                                     合并及母公司
           项 目
                                    本期数                            上年同期数

 期初余额                                           769,886                             396,696

 本期计提                                           671,159                             116,973

 期末余额                                       1,441,045                               513,669




   10、长期应收款

   (1) 明细情况

                                             合并                              母公司
            项     目
                                期末数                期初数          期末数            期初数

融资租赁                         10,767,841             6,914,177

            合     计            10,767,841             6,914,177

   (2) 融资租赁

   1) 明细情况
                                             合并                              母公司
            项     目
                                期末数                期初数          期末数            期初数

应收融资租赁款                   13,316,235             8,795,842

未实现融资收益                  (2,334,245)           (1,811,845)

     应收融资租赁款余额          10,981,990             6,983,997

减值准备                          (214,149)               (69,820)

     应收融资租赁款净额          10,767,841             6,914,177




   2) 应收融资租赁款剩余期限分析列示
                                             合并                              母公司
            账     龄
                                期末数                期初数          期末数             期初数

1 年以内                          1,858,872              1,101,413

1-2 年                            1,869,815              1,132,261

2-3 年                            2,485,999              1,577,204

3 年以上                          7,101,549              4,984,964


                                     - 26 -
               合   计                       13,316,235                   8,795,842




   3) 应收融资租赁款按行业分布情况

                                                               合并                                     母公司
                行业分布
                                                    期末数                  期初数             期末数            期初数

 水利、环境和公共设施管理业                       10,296,385                 6,676,276
 建筑业                                            1,036,739                 1,086,852
 文化、体育和娱乐业                                  480,571                   401,084
 租赁和商务服务业                                    897,367                   319,520
 交通运输、仓储和邮政业                              320,857                   312,110
 制造业                                              284,316
                    合   计                       13,316,235                 8,795,842



   4) 长期应收款减值准备
                                             合并                                               母公司
       项 目
                               本期数                    上年同期数                   本期数                上年同期数

期初余额                                 69,820

本期计提                                144,329

期末余额                                214,149




   11. 长期股权投资

   母公司

   (1) 明细情况

                                        期末数                                            期初数
  项    目
                         账面余额      减值准备      账面价值             账面余额       减值准备           账面价值

对子公司投资             1,499,120           -       1,499,120            1,499,120               -          1,499,120

  合    计               1,499,120           -       1,499,120            1,499,120               -          1,499,120

   (2) 对子公司投资
                                                                                           本期计提           减值准备
  被投资单位                  期初数       本期增加       本期减少            期末数
                                                                                           减值准备           期末数
广元市贵商村镇银
行股份有限公司                159,120                -                -        159,120                  -                 -




                                                    - 27 -
贵阳贵银金融租赁
                     1,340,000              -           -      1,340,000            -               -
有限责任公司

  小 计              1,499,120              -           -      1,499,120            -               -



   12. 固定资产

   合并
       项   目    房屋及建筑物       运输工具       电子设备         办公设备           合     计
期初数                2,680,101          95,478        629,909             54,447        3,459,935
购置                     25,167           9,921         43,929              8,740             87,757
在建工程转入             53,188                 -               -               -             53,188
处置                             -        (623)       (20,049)               (41)            (20,713)
期末数                2,758,456         104,776        653,789             63,146        3,580,167
 累计折旧:       房屋及建筑物       运输工具       电子设备         办公设备           合     计
期初数                  507,493          66,552        371,488             22,908            968,441
计提                     64,834           4,745         49,495              4,604            123,678
处置                             -        (538)       (19,221)               (39)            (19,798)
期末数                  572,327          70,759        401,762             27,473        1,072,321
 账面价值:       房屋及建筑物       运输工具       电子设备         办公设备           合     计
期末数                2,186,129          34,017        252,027             35,673        2,507,846
期初数                2,172,608          28,926        258,421             31,539        2,491,494




   母公司

       项   目    房屋及建筑物       运输工具       电子设备         办公设备           合    计
期初数               2,663,350           90,015        599,751             52,916       3,406,032
购置                    25,167            9,921         35,026             8,574              78,688
在建工程转入            53,188                  -               -               -             53,188
处置                         -            (555)       (20,022)              (41)         (20,618)
期末数               2,741,705           99,381        614,755             61,449       3,517,290
 累计折旧:       房屋及建筑物       运输工具       电子设备         办公设备           合    计
期初数                 504,454           63,891        359,899             22,158            950,402
 计提                   64,524            4,540         46,208             4,548             119,820
 处置                        -            (533)       (19,222)              (39)         (19,794)
期末数                 568,978           67,898        386,885             26,667       1,050,428
  账面价值:      房屋及建筑物       运输工具       电子设备         办公设备           合    计
期末数               2,172,727           31,483        227,870             34,782       2,466,862
期初数               2,158,896           26,124        239,852             30,758       2,455,630

   截至 2017 年 6 月 30 日,本集团账面原值为 159,120 万元、净值为 142,963 万元的房屋

及建筑物产权尚在办理中。

                                          - 28 -
   13. 无形资产

   合并

原值               土地使用权           软件            其他           合计

期初数                     81,445              32,154          3,088          116,687

本期增加                         -              5,666              -           5,666

本期减少                         -                  -              -               -

期末数                     81,445              37,820          3,088          122,353

累计摊销:         土地使用权           软件            其他           合计

期初数                      6,315               4,057          2,969           13,341

本期增加                    1,019               3,557             16           4,592

本期减少                         -                  -              -               -

期末数                      7,334               7,614          2,985           17,933

账面价值:          土地使用权          软件            其他           合计

期末数                     74,111              30,207            103          104,421

期初数                     75,130              28,097            119          103,346




   母公司

原值               土地使用权           软件            其他           合计

期初数                     81,445              25,403          3,088      109,936

本期增加                         -             5,254              -            5,254

本期减少                         -                 -              -                -

期末数                     81,445              30,657          3,088      115,190

累计摊销:         土地使用权           软件            其他           合计

期初数                      6,315              2,038           2,969          11,322

本期增加                    1,019              2,892              15           3,926

本期减少                         -                 -              -                -

期末数                      7,334              4,930           2,984          15,248

账面价值:         土地使用权           软件            其他           合计

期末数                     74,111              25,727           104           99,942

期初数                     75,130              23,365           119           98,614



   14. 递延所得税资产、递延所得税负债

                                     - 29 -
   未经抵销的递延所得税资产和递延所得税负债分项列示如下
                                                                    合并
               项    目
                                                  期末数                                  期初数

                                   可抵扣/(应纳税)         递延所得税        可抵扣/(应纳       递延所得税资
                                       暂时性差异          资产/(负债)       税)暂时性差异         产/(负债)

递延所得税资产:

客户贷款和垫款呆账准备及已核销资
                                           3,228,099           807,025           2,604,252            651,063
产税务未抵扣款项

预计辞退福利                                 190,841            47,710             203,531             50,883

应收款项类投资减值准备                     1,441,045           360,261             769,886            192,471

以公允价值计量其且变动计入当期损
                                              14,324             3,581                  9,038           2,259
益的金融资产公允价值变动

可供出售金融资产公允价值变动                 441,450           110,362             206,035             51,508

其他                                         118,267            29,568              63,372             15,844

               小    计                    5,434,026         1,358,507           3,856,114            964,028

递延所得税负债:                                     -               -                     -                   -

               小    计                              -               -                     -                   -




                                                                        母公司
                    项    目
                                                    期末数                                 期初数

                                        可抵扣/(应纳                          可抵扣/(应纳
                                                           递延所得税资                         递延所得税资
                                        税)暂时性差                           税)暂时性差
                                                            产/(负债)                              产/(负债)
                                             异                                    异

递延所得税资产:

客户贷款和垫款呆账准备及已核销资产税
                                           3,228,099            807,025          2,549,227            637,307
务未抵扣款项

预计辞退福利                                 190,841             47,710            203,531             50,883

应收款项类投资减值准备                     1,441,045            360,261            769,886            192,471

以公允价值计量其且变动计入当期损益的
                                              14,324              3,581                 9,038           2,259
金融资产公允价值变动

可供出售金融资产公允价值变动                 441,450            110,362            206,035             51,508

其他                                          49,675             12,419             49,805             12,452

                    小    计               5,365,434          1,341,358          3,787,522            946,880

递延所得税负债:                                     -                   -                  -                  -


                                         - 30 -
                                     小    计                      -                  -                     -                    -




   15. 其他资产

   (1) 明细情况



                                            合并                                                   母公司
        项   目
                            期末数                        期初数                  期末数                        期初数

其他应收款                    1,300,846                       390,969                     1,262,844                 376,790
抵债资产                         69,479                         54,345                       69,479                  54,345
在建工程                      1,287,320                      1,127,961                    1,286,736               1,127,855
长期待摊费用                    270,491                       307,235                      264,006                  293,282
预交税金                        377,219                       374,934                      377,219                  374,934
其他流动资产                              109                          513                     111                         386
        合   计               3,305,464                      2,255,957                    3,260,395               2,227,592



   (2) 其他应收款

   1) 明细情况
                                                      合并                                            母公司
             项   目
                                       期末数                   期初数                    期末数                期初数
保证金                                           9,303                   7,399                  9,303                    6,829
司法划转款项                                     8,703                   8,332                  8,703                    8,332
暂付款及预付款                                  163,260                 55,140                125,258                42,397
资金清算应收款                                  877,138                111,437                877,138               110,943
应收手续费及佣金收入                            213,670                190,276                213,670               190,276
其他                                             45,516                 35,258                 45,516                34,886
             合   计                       1,317,590                   407,842              1,279,588               393,663
       其他应收款坏账准备                   (16,744)                   (16,873)              (16,744)              (16,873)
             净   值                       1,300,846                   390,969              1,262,844               376,790




   2) 坏账准备变动情况
                                                                       合并及母公司
             项 目
                                                   本期数                                      上年同期数

期初余额                                                               16,873                                      17,060

本期计提/回拨                                                           (129)                                             -

本期核销                                                                     -                                            -
期末余额                                                               16,744                                      17,060

                                                    - 31 -
    (3) 抵债资产

    1) 明细情况
                                                                  合并及母公司
                 项   目
                                                   期末数                            期初数
房屋及建筑物                                                    67,566                            52,432
其他                                                            22,700                            22,700
                 合   计                                        90,266                            75,132
抵债资产减值准备                                              (20,787)                          (20,787)
                 净 值                                          69,479                            54,345

    2)期末,本集团抵债资产中账面原值为 2,849 万元的房屋及建筑物的产权尚未办理完

成。

    3)减值准备变动情况

                                                                      合并及母公司
                      项   目
                                                        本期数                       上年同期数

期初余额                                                              20,787                      20,787

期末余额                                                              20,787                      20,787



    (4) 在建工程

    1) 明细情况

                                            合并                                     母公司
            项   目
                                本期数              期初数               本期数               期初数

 期初余额                       1,134,216              1,451,677         1,134,110              1,451,677

 本期增加                         218,618                   812,209        218,140                812,103

 本期转固                        (53,188)            (1,073,747)          (53,188)            (1,073,747)

 其他减少                         (6,071)               (55,923)           (6,071)               (55,923)

 期末余额                       1,293,575              1,134,216         1,292,991              1,134,110

 在建工程减值准备                 (6,255)                   (6,255)        (6,255)                (6,255)

             净 值              1,287,320              1,127,961         1,286,736              1,127,855




                                         - 32 -
   2) 减值准备变动情况

                                                                               合并及母公司
                         项   目
                                                                    本期数                       上年同期数

                     期初余额                                                      6,255                            6,255

                     期末余额                                                      6,255                            6,255



   (5) 长期待摊费用
                                                         合并                                          母公司
              项    目
                                            期末数                 期初数                   期末数                  期初数
房租                                             33,570                   43,044                32,670                   42,889
软件、系统及设备款                               45,255                   50,541                45,255                   50,541
装修费                                          181,528                  200,936               175,943                  187,138
其他                                             10,138                   12,714                10,138                   12,714
              合    计                          270,491                  307,235               264,006                  293,282

   16. 向中央银行借款

                                                            合并                                      母公司
               项    目
                                               期末数                期初数                 期末数              期初数

支小再贷款                                                  -            200,000                       -             200,000

扶贫再贷款                                                  -            275,000                       -                     -

支农再贷款                                        330,000                      -                       -                     -

               合    计                           330,000                475,000                       -             200,000




   17. 同业及其他金融机构存放款项

                                                  合并                                           母公司
         项    目
                                     期末数                     期初数                期末数                   期初数

境内同业存放                          14,511,292                12,907,965             14,673,757               13,240,059

其他金融机构存放                      14,117,492                 4,835,634             14,113,422               4,835,634

         合    计                     28,628,784                17,743,599             28,787,179               18,075,693




   18、拆入资金

                                                     合并                                            母公司
          项 目
                                   期末数                期初数                    期末数                  期初数

境内同业拆入                                8,720,000              4,950,000                 300,000                         -


                                                        - 33 -
         合    计              8,720,000             4,950,000               300,000                     -



   19. 卖出回购金融资产款

                                                             合并及母公司
               项    目
                                             期末数
                                                                                       期初数

债券                                                     6,347,711                               10,479,570
其中:国债                                               1,399,700                                4,379,590
政策性银行金融债券                                       4,948,011                                  900,000
       铁路债券                                                   -                               4,200,000
       同业存单                                                   -                                 999,980
               合    计                                  6,347,711                               10,479,570



   20. 吸收存款
                                                                      合并
                    项    目
                                                 期末数                                期初数
活期存款:
公司                                                    153,976,540                             142,070,333
个人                                                     26,422,551                              23,258,084
                    小    计                            180,399,091                             165,328,417
定期存款:
公司                                                     45,673,120                              59,344,703
个人                                                     33,595,792                              27,374,179
                    小    计                             79,268,912                              86,718,882
财政性存款                                                   16,445                                  62,369
汇出汇款及应解汇款                                          371,852                                189,684
存入保证金                                                8,319,006                              10,698,718
国库定期存款                                              4,880,900                                      -
                    合    计                            273,256,206                             262,998,070



                                                                 母公司
              项    目
                                            期末数                                     期初数
活期存款:
公司                                                  150,071,333                               138,644,781
个人                                                   25,892,139                                22,685,732
              小    计                                175,963,472                               161,330,513
定期存款:
公司                                                   44,001,366                                58,307,957

                                           - 34 -
个人                                                   32,580,459                      26,585,139
                  小   计                              76,581,825                      84,893,096
财政性存款                                                   16,445                        62,369
汇出汇款及应解汇款                                         371,852                        189,234
存入保证金                                                8,280,340                    10,643,963
国库定期存款                                              4,880,900
                  合   计                             266,094,834                     257,119,175



     21. 应付职工薪酬

     (1) 明细情况

     合并
项     目                      期初数          本期增加               本期减少        期末数

短期薪酬                        500,983               780,959             (857,709)        424,233

离职后福利—设定提存计划               669             76,202              (76,235)               636

辞退福利                        203,531                10,012              (22,702)        190,841
合     计                       705,183               867,173             (956,646)        615,710




     母公司

            项   目          期初数            本期增加               本期减少        期末数

短期薪酬                         481,741              740,314            (803,098)        418,957

离职后福利—设定提
                                       669             74,053             (74,119)               603
存计划
辞退福利                         203,531               10,012             (22,702)        190,841
合     计                        685,941              824,379            (899,919)        610,401




     (2) 短期薪酬明细情况

     合并

            项   目         期初数             本期增加               本期减少        期末数

工资、奖金、津贴和
                                492,018             671,117              (742,067)        421,068
补贴
职工福利费                              -             18,700              (18,700)                -

社会保险费                            222             18,915              (19,180)              (43)

住房公积金                              -             38,990              (38,957)                33

工会经费和职工教育
                                     8,743            13,133              (18,701)             3,175
经费

                                             - 35 -
其他                                -               20,104           (20,104)                         -

小     计                  500,983                780,959           (857,709)                424,233




     母公司
项     目               期初数               本期增加            本期减少                期末数

工资、奖金、津贴和补
                            473,032                 633,924         (691,005)                415,951

职工福利费                             -             17,738          (17,738)                        -

社会保险费                        222                18,206          (18,479)                      (51)

住房公积金                             -             37,534          (37,554)                      (20)

工会经费和职工教育
                                 8,487               12,808          (18,218)                     3,077
经费
其他                                   -             20,104          (20,104)                        -

小     计                   481,741                 740,314         (803,098)                418,957

     (3) 设定提存计划明细情况

     合并

        项   目        期初数                本期增加            本期减少                期末数

基本养老保险                     561                43,121           (43,158)                      524

失业保险费                        61                 2,265            (2,261)                       65

企业年金缴费                      47                30,816           (30,816)                       47

小     计                        669                76,202           (76,235)                      636




     母公司

项     目               期初数               本期增加            本期减少                期末数

基本养老保险                      561                41,046          (41,115)                      492

失业保险费                         61                 2,191           (2,188)                       64

企业年金缴费                       47                30,816          (30,816)                       47

小     计                         669                74,053          (74,119)                      603




     22. 应交税费
                                           合并                                 母公司
             项   目
                                期末数              期初数          期末数                期初数

企业所得税                          31,586              20,181                  -                    -

                                           - 36 -
增值税                                       68,920                5,567               73,780                    1,003

城市维护建设税                               5,380                      442             5,046                     159

教育费附加                                   3,179                      154             3,036                       25

地方教育附加                                 2,100                      103             2,004                       17

个人所得税                                   11,417                     563            11,091                       -

其他                                           262                      167                    -                 (932)

            合        计                 122,844                  27,177               94,957                     272




   23. 应付利息

                                         合并                                             母公司
       项   目
                            期末数                    期初数                  期末数                    期初数

吸收存款利息                  2,118,234                  1,833,125               2,071,153                1,783,688

应付债券利息                    108,863                        13,404              108,863                   13,404

应付金融机构利息                268,353                        28,214              210,728                   29,115

卖出回购金融资产
                                     8,053                     2,470                   8,053                     2,470
款利息

应付其他利息                            15                     21,945                     15                         -

       合   计                2,503,518                  1,899,158               2,398,812                1,828,677




   24. 应付债券

   (1) 明细情况

                                                                        合并及母公司
                 项    目
                                                      期末数                                   期初数

应付次级债券                                                     1,199,349                               1,198,692

应付二级资本债券                                                   997,764                                 997,636

应付一般金融债券                                                 1,995,971                               1,994,688

应付同业存单                                                    64,243,837                              43,916,632

                 合    计                                       68,436,921                              48,107,648

   (2) 其他说明

   1) 应付次级债券

   ① 经本行2011年12月15日临时股东大会审议通过,并经2012年12月12日《中国银监会

关于贵阳银行发行次级债券的批复》(银监复〔2012〕743号)批准,本行于2012年12月28


                                                 - 37 -
日在银行间市场发行12亿元次级债券。本次发行的次级债券全部为10年期固定利率债券,每

年付息一次,在债券存续期间票面年利率为6.50%,本行有权在第5年末行使一次赎回权。

    ② 次级债券的索偿权排在本行的其他负债之后,先于本行的股权资本。截至2017年6

月30日,本行未发生涉及次级债券本息及其他违反协议条款的事件。

    2) 应付二级资本债券

    经本行2014年10月10日临时股东大会审议通过,并经2015年9月30日《贵州银监局关于

贵阳银行股份有限公司发行二级资本债券的批复》(黔银监复〔2015〕200号)批准,本行

于2015年12月23日在银行间市场发行10亿元二级资本债券。本次发行的二级资本债券全部为

10年期固定利率债券,每年付息一次,在债券存续期间票面年利率为4.80%,该债券在第5

年末附有条件的发行人赎回权,本行在有关监管机构批准的前提下有权按面值部分或全部赎

回该债券。

    3) 应付一般金融债券

    经本行2015年6月16日临时股东大会审议通过,并经2016年3月30日《贵州银监局关于贵

阳银行股份有限公司发行小型微型企业贷款专项金融债券的批复》(黔银监复〔2016〕32

号)及2016年9月18日《中国人民银行准予行政许可决定书》(银市场许准予字〔2016〕第

144 号)批准,本行获准在全国银行间债券市场公开发行不超过50亿元人民币金融债券,专

项用于发放小型微型企业贷款。本行于2016年10月26日在全国银行间债券市场公开发行小型

微型企业贷款专项金融债券,详细情况如下:

    “16贵阳银行小微01”,发行总量为15亿元的3年期固定利率债券,每年付息一次,在

债券存续期间票面年利率为3.30%;

    “16贵阳银行小微02”,发行总量为5亿元的5年期固定利率债券,每年付息一次,在债

券存续期间票面年利率为3.40%。

    4) 截至2017年6月30日,本行在全国银行间市场发行的人民币同业存单面值余额为人民

币654.30亿元,期限为1个月至1年,均为贴现发行。



    25. 其他负债

    (1) 明细情况
                                         合并                          母公司
             项   目
                                期末数            期初数      期末数            期初数
其他应付款                        1,821,999       1,839,294    1,779,143        1,833,102


                                         - 38 -
应付代理证券款项                                      3,898              3,892                  3,898             3,892
应付股利                                             36,462           35,536                    36,462            35,536
代理业务暂收款                                      165,132          957,525                   165,132        957,525
递延收益                                              5,220              5,220                  5,220             5,220
融资租赁保证金                                       55,780           20,500                         -                -
其他                                                  8,151              6,114                  8,151             6,114
                 合    计                         2,096,642        2,868,081              1,998,006         2,841,389

     (2) 其他应付款
                                                          合并                                     母公司
                 项    目
                                                 期末数            期初数                期末数             期初数
久悬未取款                                           18,358              22,927                 18,292            22,861
资金清算应付款                                      386,348          201,478                   381,660        199,261
预收款及暂收款                                    1,186,000        1,336,635              1,186,000         1,336,623
应付工程款及购房款                                  164,654          220,361                   164,654        217,216
其他                                                 66,639              57,893                 28,537            57,141
                 合    计                         1,821,999        1,839,294              1,779,143         1,833,102



     (3) 代理业务暂收款

                                                                                  合并及母公司
                            项   目
                                                                         期末数                          期初数

代理理财资金                                                                               -                  499,550

代理销售基金产品暂收款                                                             163,000                    457,293

其他代理业务暂收款                                                                   2,132                           682

                            合   计                                                165,132                    957,525




     26. 股本

                                                              合并及母公司

                                                              本期增减变动
项     目
                       期初数                                                                                期末数
                                                                 公积金转
                                      发行新股        送股                        其他            小计
                                                                    股


股份总数               2,298,592                                                                            2,298,592




     27. 资本公积

            项    目                                                合并及母公司


                                                          - 39 -
                                  期初数             本期增加             本期减少                  期末数

股本溢价                           4,829,853                      -                    -             4,829,853

其他资本公积                             32,096                   -                    -                32,096

            合   计                4,861,949                      -                    -             4,861,949




      28. 其他综合收益

                                                         合并及母公司

                                                             本期发生额

项     目                                         前期计入
                                   本期所得                                                税后归
                       期初数                     其他综合     所得税费     税后归属                   期末数
                                   税前发生                                                属于少
                                                  收益当期        用        于母公司
                                         额                                                数股东
                                                  转入损益
以后将重分类进
损益的其他综合        (154,527)    (302,948)        67,533       58,854   (176,561)             -    (331,088)
收益
其中:可供出售金
融资产公允价值        (154,527)    (302,948)        67,533       58,854   (176,561)             -    (331,088)
变动损益
其他综合收益合
                      (154,527)    (302,948)        67,533       58,854   (176,561)             -    (331,088)





      29. 盈余公积

                                                             合并及母公司
     项   目
                                期初数              本期增加              本期减少                  期末数

      法定盈余公积
                                  1,533,068                      -                     -              1,533,068

合     计
                                  1,533,068                      -                     -              1,533,068



      30. 一般风险准备

      (1) 明细情况

                                                               合并及母公司
     项   目
                                  期初数              本期增加              本期减少                期末数

一般风险准备                        2,595,945           1,700,653                      -              4,296,598

合     计                           2,595,945           1,700,653                      -              4,296,598

                                                  - 40 -
    (2) 其他说明

   1) 自2012年7月1日起,本行根据财政部《金融企业准备金计提管理办法》(财金〔2012〕

20号),在提取资产减值准备的基础上,设立一般准备用以弥补银行尚未识别的与风险资产

相关的潜在可能损失。该一般准备作为利润分配处理,是股东权益的组成部分,原则上应不

低于风险资产期末余额的1.5%。金融企业一般准备余额占风险资产期末余额的比例,难以一

次性达到1.5%的,可以分年到位,原则上不得超过5年。

   2) 报告期一般风险准备变动情况详见本财务报表附注资产负债表项目注释之未分配利

润说明。

    31. 未分配利润
                                                           合并                  备注
                     项   目
                                             期末数               期初数

调整前上期末未分配利润                        10,002,204             7,843,818

调整期初未分配利润合计数                               -                     -

调整后期初未分配利润                          10,002,204             7,843,818

本期归属于母公司所有者的净利润                 1,902,065             3,654,319

提取法定盈余公积                                       -             (362,600)

提取一般风险准备                             (1,700,653)           (1,133,333)   注1

应付普通股股利                                 (597,634)                     -

                 期末未分配利润                9,605,982            10,002,204



                                                       母公司                    备注
                     项   目
                                             期末数               期初数

调整前上期末未分配利润                         9,945,843             7,815,777

调整期初未分配利润合计数                              -                     -

调整后期初未分配利润                           9,945,843             7,815,777

本期净利润                                     1,889,382             3,625,999

提取法定盈余公积                                      -              (362,600)

提取一般风险准备                             (1,700,653)           (1,133,333)   注1

应付普通股股利                                 (597,634)                    -

                 期末未分配利润                9,536,938             9,945,843

   [注1]:根据2017年股东大会审议通过的2016年度利润分配方案,本行在2017年度计提

一般风险准备170,065万元,分配现金股利59,763万元(含税)。

                                    - 41 -
   (二) 利润表项目注释

   1. 利息净收入
                                                  合并
                 项 目
                                 本期数                   上年同期数

利息收入:
存放同业款项                                 40,102                     59,517
存放中央银行款项                           304,846                     218,511
拆出资金                                       136                        113
发放贷款和垫款                            3,634,767               2,894,857
买入返售金融资产                           172,147                     103,218
债券及其他投资                            4,702,816               2,608,066
                 合   计                  8,854,814               5,884,282
利息支出:
同业及其他金融机构存放款项                (453,763)               (152,542)
拆入资金                                  (176,528)                       (82)
向中央银行借款                             (6,198)                     (2,055)
吸收存款                              (1,882,839)               (1,397,164)
应付债券                              (1,132,338)                 (500,385)
卖出回购金融资产款                        (149,927)                (87,848)
其他                                         (232)                          -
                 合   计              (3,801,825)               (2,140,076)
利息净收入                                5,052,989               3,744,206



                                                 母公司
                 项 目
                                 本期数                   上年同期数
利息收入:
存放同业款项                                  9,961                     41,990
存放中央银行款项                            299,654                    215,127
拆出资金                                        136                        113
发放贷款和垫款                            3,150,120                2,783,853
买入返售金融资产                            171,389                    103,218
债券及其他投资                            4,702,282                2,608,066
                 合   计                  8,333,542                5,752,367
利息支出:
同业及其他金融机构存放款项                (456,419)                (154,996)
拆入资金                                    (3,907)                       (82)
向中央银行借款                              (3,313)                          -
吸收存款                              (1,842,999)                (1,368,083)
应付债券                              (1,132,338)                  (500,385)


                             - 42 -
卖出回购金融资产款                                           (149,923)                             (87,848)
其他                                                             (232)                                     -
                 合    计                                (3,589,131)                            (2,111,394)
利息净收入                                                   4,744,411                           3,640,973

   2. 手续费及佣金净收入
                                            合并                                     母公司
         项   目
                                 本期数            上年同期数              本期数             上年同期数
手续费及佣金收入:
结算手续费收入                        14,741                 2,972              14,738                2,963
代理业务手续费收入                    35,069              28,734                35,069               28,734
投资银行业务手续费收入               263,985             202,694               263,984              202,694
担保及承诺手续费收入                  30,730              98,829                30,730               98,829
理财产品手续费收入                   229,119             121,262               229,119              121,262
其他手续费收入                       123,607              50,560               115,917               50,103
         小   计                     697,251             505,051               689,557              504,585
手续费及佣金支出                     (70,630)          (33,661)                (67,696)            (32,238)
手续费及佣金净收入                   626,621             471,390               621,861              472,347

   3. 投资收益

                                                         合并                              母公司
                      项 目
                                                本期数         上年同期数         本期数          上年同期数


成本法核算的长期股权投资收益                             -                -                -           12,240

处置以公允价值计量且其变动计入当期损益的
                                                   (1,006)       (11,691)           (1,006)          (11,691)
金融资产取得的投资收益

处置可供出售金融资产取得的投资收益                 (2,833)           166,652        (2,833)           166,652


其他                                                  116                 -               116                  -


                      合    计                     (3,723)           154,961        (3,723)           167,201




   4. 公允价值变动收益

                                                             合并及母公司
         项 目
                                          本期数                                    上年同期数

以公允价值计量且其变动计
                                                         (5,286)                                      (6,807)
入当期损益的金融资产

         合   计                                         (5,286)                                      (6,807)


                                           - 43 -
   5. 税金及附加
                                          合并                                        母公司
         项     目
                          本期数                   上年同期数             本期数               上年同期数
营业税                               192                  178,640                    192                175,077
城市维护建设税                    16,009                   19,567              15,333                    19,300
教育费附加                         6,931                    8,423                  6,656                  8,271
地方教育附加                       4,563                    5,612                  4,438                  5,514
其他税费                          17,399                        10             16,842                            -
         合     计                45,094                  212,252              43,461                   208,162

   6. 业务及管理费
                                      合并                                            母公司
         项目
                         本期数                  上年同期数               本期数               上年同期数

职工工资及福利               867,173                     658,620              824,379                   631,624

差旅费                        11,883                       7,409                   9,078                  5,802

租赁费                        64,634                       57,480              62,055                    54,810

钞币运送费                        7,946                    7,155                   7,375                  5,385

咨询及中介费用                10,963                       8,713               10,501                     8,464

电子设备运转费                20,129                       11,240              18,497                    10,470

折旧费                       123,678                       87,939             119,820                    84,983

其他业务及管理费             400,955                     223,696              380,758                   204,393

         合计              1,507,361                    1,062,252           1,432,463                 1,005,931




   7.资产减值损失

                                                 合并                                      母公司
              项目
                                  本期数                 上年同期数           本期数                上年同期数

贷款减值损失                        1,105,402                 1,209,203        1,077,622               1,198,893

其他应收款坏账损失                         (129)                      -               (129)                          -

应收款项类投资减值损失                671,159                   116,973             671,159              116,973

存放同业款项坏账损失                       6,080                      -                    -                         -

长期应收款减值损失                    144,329                         -                    -                         -
可供出售金融资产减值损
                                           3,000                      -                    -                         -
                失
              合计                  1,929,841                 1,326,176        1,748,652               1,315,866




   8.其他收益
                                                 - 44 -
                                             合并                                           母公司
             项目
                                  本期数                  上年同期数              本期数                上年同期数

财政目标考核奖励资金                         897                       -                     897                           -
服务地方经济奖励                           1,354                       -                   1,354                           -
政策性扶持奖励款                               -                       -                         -                         -
涉农贷款奖励                               5,173                       -                   5,173                           -
其他补助及奖励                                49                       -                         49                        -
             合计                          7,473                       -                   7,473                           -



   9.营业外收入

                                               合并                                         母公司
               项目
                                   本期数                 上年同期数             本期数               上年同期数

非流动资产处置利得合计                        -                        1                    -                          1

罚没款收入                                 1,354                  316                  1,354                   316

出纳长款收入                                  2                        2                    2                          2

其他                                        457                   589                      457                 589

政府补助                                      -                 4,630                       -                4,427

               合计                        1,813                5,538                  1,813                 5,335

   计入当期损益的政府补助:
                                   合并                                    母公司
                                                                                                      与资产相关/
           项目
                         本期数            上年同期数            本期数             上年同期数         与收益相关

财政目标考核奖励资金                -                     -                  -                   -      与收益相关
服务地方经济奖励                    -                     -                  -                   -      与收益相关
政策性扶持奖励款                    -              2,081                     -            2,081         与收益相关
涉农贷款奖励                        -              2,507                     -            2,304         与收益相关
其他补助及奖励                      -                 42                     -                  42      与收益相关
           合计                     -              4,630                     -            4,427         与收益相关



   10.营业外支出

                                                   合并                                    母公司
                  项目
                                    本期数                上年同期数             本期数               上年同期数

非流动资产处置损失合计                       800                   388                    777                  14

捐赠                                       5,319                 3,766                 5,319                3,766

滞纳金及罚款                               1,857                       1               1,857                       -
                                            - 45 -
其他                                        40                568                   40                568

               合计                      8,016              4,723              7,993              4,348



   11.所得税费用

                                                 合并                                母公司
                 项目
                                       本期数           上年同期数         本期数          上年同期数

按税法及相关规定计算的当期所得税         587,801            194,578          580,642            184,517

递延所得税调整                         (305,324)             19,562        (335,625)             21,243
                 合计                    282,477            214,140          245,017            205,760

   所得税费用与会计利润的关系列示如下:

                                                 合并                                母公司
                 项目
                                       本期数           上年同期数         本期数          上年同期数

利润总额                               2,189,994          1,768,526        2,134,399          1,749,383

按法定/适用税率计算的所得税费用          547,498            442,132          533,600            437,346
调整以前期间所得税的影响                 (3,887)              4,371          (3,887)              3,935

非应税收入的影响                       (264,039)          (235,082)        (287,597)          (238,082)
不可抵扣的成本、费用和损失的影响           2,905              2,719            2,901              2,561
所得税费用                               282,477            214,140          245,017            205,760




   12.其他综合收益的税后净额

   其他综合收益的税后净额详见本财务报表附注资产负债表项目注释之其他综合收益说

明。



   (三)现金流量表补充资料

           1.现金流量表补充资料
                                                                            合并
                        项目
                                                               本期数                    上年同期数
Ⅰ.将净利润调节为经营活动现金流量:
净利润                                                                  1,907,517             1,554,386
资产减值损失                                                            1,929,841             1,326,176
固定资产折旧                                                             123,678                 87,939

无形资产、长期待摊费用及其他资产摊销                                       79,582                67,655


                                         - 46 -
处置固定资产、无形资产和其他长期资产的损失                                    800                    387

债券投资和其他投资利息收入                                         (4,837,361)            (2,608,066)
公允价值变动损失                                                            5,286                  6,807
投资损失                                                                    3,723           (154,961)
发行债券利息支出                                                        1,132,338                500,385
递延所得税资产减少                                                      (335,625)                 20,379
递延所得税负债增加                                                              -                  (817)
经营性应收项目的减少                                               (3,819,898)           (11,868,346)
经营性应付项目的增加                                                20,243,777             44,892,869
因经营活动而产生的现金流量净额                                      16,433,658             33,824,793



                                                                           母公司
                        项目
                                                               本期数                   上年同期数
Ⅰ.将净利润调节为经营活动现金流量:
净利润                                                                  1,889,382           1,543,623
资产减值损失                                                            1,748,652           1,315,866
固定资产折旧                                                              119,820                 84,983

无形资产、长期待摊费用及其他资产摊销                                       77,979                 64,711

处置固定资产、无形资产和其他长期资产的损失                                   777                      13

债券投资和其他投资利息收入                                         (4,836,826)            (2,608,066)
公允价值变动损失                                                           5,286                   6,807
投资损失                                                                   3,723            (167,201)
发行债券利息支出                                                        1,132,338                500,385
递延所得税资产减少                                                      (335,625)                 22,060
递延所得税负债增加                                                             -                   (817)
经营性应收项目的减少                                                    1,025,890        (11,829,309)
经营性应付项目的增加                                                15,269,409             44,304,152
因经营活动而产生的现金流量净额                                      16,100,805             33,237,207



           2.现金和现金等价物的构成

                                                       合并                            母公司
                     项目
                                              本期数      上年同期数          本期数       上年同期数

现金

其中:库存现金                                 878,266         684,303         828,053           641,839

         可用于支付的存放中央银行款项        10,232,933   11,091,359        10,061,889      11,007,471

存放同业款项                                 2,737,892        4,952,825      2,677,402          3,818,255

                     小计                    13,849,091   16,728,487        13,567,344      15,467,565



                                         - 47 -
现金等价物

其中:原到期日不超过三个月的存放同业款项       485,979                -       150,000            -

       原到期日不超过三个月的买入返售证券   19,266,391                -    17,650,891            -

期末现金及现金等价物余额                    33,601,461     16,728,487      31,368,235    15,467,565




    四、分部报告-

    (一)本集团确定报告分部考虑的因素以及报告分部的业务类型

    本集团的报告分部系提供不同的金融产品和服务以及从事不同类型投融资交易的业务

单元。在分部中列示的分部收入、经营成果和资产包括直接归属于各分部的及可以基于合理

标准分配到各分部的相关项目。

    本集团确定了下列报告分部:

    1.公司银行业务指为公司客户提供的银行服务,包括存款、贷款、与贸易相关的产品及

结算、代理、委托、资信鉴证等服务。

    2.个人银行业务指为个人客户提供的银行服务,包括储蓄、投资性储蓄产品、托管、银

行卡、信贷及个人资产管理、结算、代理、资信鉴证等服务。

    3.资金业务包括利率及外汇衍生工具交易、货币市场交易、自营性债券投资交易及资产

负债管理。

    4.其他业务指其他自身没有形成可单独列报的分部或不能按照合理基准进行分配的业

务。

    分部间交易主要为分部间的融资。这些交易的条款是参照资金平均成本确定的,并且已

于每个分部的业绩中反映。内部费用和转让价格调整所产生的利息收入和支出净额为内部利

息净收入,从第三方取得的利息收入和支出金额为外部利息净收入。

    (二)分部利润(亏损)、资产及负债的信息

    本集团各报告分部的会计政策与在“遵循企业会计准则的声明”所描述的会计政策相同。

本集团以税前利润为基础来评价经营业绩。

    1.2017年1-6月,本集团及本行分部报告列示如下:

    合并



        项目           公司银行业务    个人银行业务      资金业务         其他业务        合计
利息净收入                 2,984,138        992,528       1,076,323                  -   5,052,989
其中:外部利息净收入       1,435,068        158,082       3,459,839                  -   5,052,989

                                           - 48 -
内部利息净收入            1,549,070        834,446   (2,383,516)                -              -
手续费及佣金净收入          478,820        141,274         6,527                -       626,621
投资收益                          -              -       (3,723)                -       (3,723)
公允价值变动收益                  -              -       (5,286)                -       (5,286)
汇兑收益                          -              -           365                -            365
其他收益                          -              -              -        7,473            7,473
其他业务收入/成本                 -              -              -              54             54
税金及附加                 (14,376)        (3,450)      (27,268)                -      (45,094)
业务及管理费            (1,017,228)      (316,487)     (173,475)         (171)      (1,507,361)
资产减值损失            (1,203,997)       (54,814)     (671,159)           129      (1,929,841)
营业利润                  1,227,357        759,051       202,304         7,485        2,196,197
营业外收支净额                    -              -              -      (6,203)          (6,203)
利润总额                  1,227,357        759,051       202,304         1,282        2,189,994
资产总额                140,904,587     27,084,422   246,022,578       179,779      414,191,366
负债总额                221,460,787     63,975,012   105,586,075        36,462      391,058,336
补充信息:
1)折旧和摊销                 78,911         22,142        78,168           368          179,589
2)资本支出                  148,618         36,136       155,303           730          340,787



   母公司

           项目        公司银行业务   个人银行业务   资金业务       其他业务          合计

利息净收入                2,749,607        918,481    1,076,323                -     4,744,411
其中:外部利息净收入      1,200,537         84,035    3,459,839                -     4,744,411
内部利息净收入            1,549,070        834,446   (2,383,516)               -              -
手续费及佣金净收入          474,060        141,274        6,527                -       621,861
投资收益                          -              -      (3,723)                -       (3,723)
公允价值变动收益                  -              -      (5,286)                -       (5,286)
汇兑收益                          -              -          365                -             365
其他收益                                                                 7,473           7,473
其他业务收入/成本                 -              -              -              54             54
税金及附加                 (12,996)        (3,197)      (27,268)               -       (43,461)
业务及管理费              (980,553)      (278,264)    (173,475)          (171)      (1,432,463)
资产减值损失            (1,045,136)       (32,486)    (671,159)            129      (1,748,652)
营业利润                  1,184,982        745,808      202,304          7,485       2,140,579
营业外收支净额                    -              -              -      (6,180)         (6,180)
利润总额                  1,184,982        745,808      202,304          1,305       2,134,399
资产总额                127,023,987     22,374,510   246,187,482     1,678,899      397,264,878
负债总额                209,765,864     59,515,516   105,750,979        36,462      375,068,821
补充信息:


                                         - 49 -
 1)折旧和摊销                 74,804          18,188           78,168            368        171,528
 2)资本支出                  148,618          36,136          155,303            730        340,787



    2.2016年1-6月,本集团及本行分部报告列示如下:

    合并

           项目        公司银行业务    个人银行业务       资金业务        其他业务         合计

利息净收入                2,668,948         369,197          706,061                 -    3,744,206

其中:外部利息净收入      1,632,494       (143,795)        2,255,507                 -    3,744,206

内部利息净收入            1,036,454         512,992       (1,549,446)                -             -

手续费及佣金净收入          320,328         140,797            10,265                -      471,390

投资收益                          -               -          154,961                 -      154,961

公允价值变动收益                  -               -          (6,807)                 -      (6,807)

汇兑收益                          -               -            2,561                 -        2,561

其他业务收入/成本                 -               -                           2,080           2,080

营业税金及附加            (125,426)        (13,982)          (72,591)         (253)       (212,252)

业务及管理费              (571,800)       (123,548)        (366,411)          (493)      (1,062,252)

资产减值损失            (1,173,027)        (43,959)        (109,190)                 -   (1,326,176)

营业利润                  1,119,023         328,505          318,849          1,334       1,767,711

营业外收支净额                    -               -                   -         815               815

利润总额                  1,119,023         328,505          318,849          2,149       1,768,526

资产总额                114,335,059      17,552,301       152,180,759       858,766      284,926,885

负债总额                182,590,013      45,575,863        41,087,695       134,100      269,387,671

补充信息:

1、折旧和摊销                83,565          17,928            54,028            73         155,594

2、资本支出                 261,596          55,291          172,277            238         489,402




    母公司

           项目        公司银行业务    个人银行业务        资金业务       其他业务         合计

利息净收入                2,589,993          366,229          684,751                -     3,640,973

其中