主营介绍

  • 产品类型:

    客户贷款及垫款、客户存款、同业拆入

  • 产品名称:

    个人贷款及垫款 公司贷款及垫款 票据贴现 个人存款 公司存款 同业拆入

  • 经营范围:

    经中国人民银行和中国银行业监督管理委员会批准的下列业务: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;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;从事银行卡业务;提供担保;代理收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;外汇存款、贷款、汇款;外币兑换;国际结算,结汇、售汇;同业外汇拆借;外币票据的承兑和贴现;外汇担保;经中国银行业监督管理委员会、中国人民银行和国家外汇管理机关批准的其他业务。

运营业务数据

最新公告日期:2018-08-22 
业务名称 2018-06-30 2015-12-31 2015-06-30 2014-12-31 2013-12-31
理财产品销量(元) 1301.79亿 - - - -
理财产品发行量(款) 1502.00 - - - -
存款(元) - 4378.57亿 3581.83亿 3065.32亿 2552.78亿
贷款(元) - 2566.01亿 2316.83亿 2100.62亿 1711.90亿

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 公司业务 47.73亿 35.29% - - - -
资金业务 45.37亿 33.55% - - - -
个人业务 41.07亿 30.38% - - - -
其他业务 1.05亿 0.78% - - - -
按产品 利息收入 200.58亿 30.79% - - - -
利息收入:发放贷款及垫款 98.90亿 15.18% - - - -
利息收入:发放贷款及垫款:公司贷款和垫款 54.99亿 8.44% - - - -
利息收入:债券投资 52.02亿 7.99% - - - -
利息收入:理财产品 37.10亿 5.70% - - - -
利息收入:发放贷款及垫款:个人贷款和垫款 33.90亿 5.20% - - - -
汇兑收益 31.91亿 4.90% - - - -
手续费及佣金收入 31.30亿 4.80% - - - -
投资收益 30.04亿 4.61% - - - -
公允价值变动收益 22.12亿 3.39% - - - -
手续费及佣金收入:代理类业务 17.15亿 2.63% - - - -
手续费及佣金收入:银行卡业务 8.15亿 1.25% - - - -
利息收入:发放贷款及垫款:票据贴现 7.90亿 1.21% - - - -
利息收入:存放中央银行 7.23亿 1.11% - - - -
利息收入:债券投资:交易性金融资产 3.71亿 0.57% - - - -
利息收入:买入返售金融资产 3.09亿 0.47% - - - -
手续费及佣金收入:担保类业务 2.71亿 0.42% - - - -
利息收入:发放贷款及垫款:贸易融资 2.12亿 0.32% - - - -
手续费及佣金收入:交易类业务 2.00亿 0.31% - - - -
利息收入:存放同业 1.66亿 0.26% - - - -
手续费及佣金收入:结算类业务 1.05亿 0.16% - - - -
资产处置收益 7441.80万 0.11% - - - -
利息收入:拆出资金 4923.60万 0.08% - - - -
其他业务收入 2012.80万 0.03% - - - -
手续费及佣金收入:咨询类业务 1439.00万 0.02% - - - -
手续费及佣金收入:其他 1003.80万 0.02% - - - -
利息收入:其他 750.70万 0.01% - - - -
其他收益 656.10万 0.01% - - - -
手续费及佣金收入:承诺类业务 6.90万 0.0001% - - - -

董事会经营评述

  一、概述  2018年以来,银行业在利率市场化、金融去杠杆、行业严监管等外部经营形势下,迎来了新一轮的发展变革。面对新变革和新挑战,公司在董事会的领导下,始终坚持服务实体经济这一本源,始终坚持在同业竞争中打造差异化的核心竞争力,始终坚持“大银行做不好,小银行做不了”的经营策略,立足当前,不断夯实发展基础,着眼长远,持续积累比较优势,推动整体经营业绩保持了持续、稳健的增长,可持续发展能力进一步增强。主要体现在:  (一)业务规模持续增长。公司积极适应市场环境变化,坚持服务实体经济这一本源,坚守基础业务,强化客群工程建设,夯实战略客户积累,推动各项业务规模协调、持续增长。截至2018年6月30... 查看全部▼

  一、概述
  2018年以来,银行业在利率市场化、金融去杠杆、行业严监管等外部经营形势下,迎来了新一轮的发展变革。面对新变革和新挑战,公司在董事会的领导下,始终坚持服务实体经济这一本源,始终坚持在同业竞争中打造差异化的核心竞争力,始终坚持“大银行做不好,小银行做不了”的经营策略,立足当前,不断夯实发展基础,着眼长远,持续积累比较优势,推动整体经营业绩保持了持续、稳健的增长,可持续发展能力进一步增强。主要体现在:
  (一)业务规模持续增长。公司积极适应市场环境变化,坚持服务实体经济这一本源,坚守基础业务,强化客群工程建设,夯实战略客户积累,推动各项业务规模协调、持续增长。截至2018年6月30日,公司资产总额10,764.18亿元,比年初增长4.30%;各项存款6,378.64亿元,比年初增长12.85%;各项贷款3,790.87亿元,比年初增长9.50%。
  (二)盈利能力持续增强。公司持续致力于在目标市场积累比较优势,聚焦特色业务发展,深化多元利润中心建设,确保盈利来源持续、多元,推动盈利能力持续提升。2018年1-6月,公司实现营业收入135.22亿元,同比增长9.79%;实现归属于母公司股东的净利润57.01亿元,同比增长19.64%;实现手续费及佣金净收入28.59亿元,在营业收入中占比为21.14%。
  (三)资产质量持续向好。公司坚持把管牢风险作为推动全行可持续发展的基础,践行“控制风险就是减少成本”的理念,严格落地全面风险管理,推动整体资产质量进一步向好,在同业中继续体现出优势。
  截至2018年6月30日,公司不良贷款率0.80%,比年初下降了0.02个百分点;拨贷比3.98%;拨备覆盖率499.32%。
  (四)资本效率持续提升。公司持之以恒践行轻型银行战略,做大基础业务,做强核心业务,坚持不懈推进多元化利润中心建设,不断提升盈利能力,推动实现资本的内生性积累;在强化资本约束的前提下,不断优化资产结构,进一步统筹经济资本配置,资本使用效率获得进一步的提升。截至2018年6月30日,公司年化加权平均净资产收益率为20.41%,同比提升了0.11个百分点;资本充足率为13.44%;一级资本充足率和核心一级资本充足率分别为9.59%和8.87%。

  二、核心竞争力分析
  近年来,银行业面临着利率市场化、金融脱媒、风险承压、政策趋紧、增速放缓等复杂多变的经营环境。公司认为,对于银行业金融机构来说,挑战与机遇始终并存,只有真正具备核心竞争力的银行才能在行业的分化中脱颖而出。当前,公司在董事会的领导下,上下一心,坚定不移地实施"大银行做不好,小银行做不了"的差异化发展策略,取得了明显成效,可持续发展能力不断增强。公司核心竞争力主要体现在五方面:一是深耕优质经营区域,潜心聚焦优势领域。公司确立了以长三角为主体,以珠三角、环渤海湾为两翼的"一体两翼"发展策略,经营区域内潜在基础客群和业务拓展空间十分广阔。同时保持战略定力,聚焦于大零售及各类中间业务的发展。二是盈利结构不断优化,盈利来源更加多元。公司致力打造多元化的利润中心,已形成公司银行、个人银行、零售公司、信用卡、金融市场、投资银行、资产托管和资产管理等多元化的盈利结构,永赢基金、永赢租赁两家非银子公司稳步发展,盈利来源更加多元。三是风险管理卓有成效,经营发展行稳致远。公司坚持"控制风险就是减少成本"的风险理念,近年来,公司风险管理措施的有效性不断显现,较好地应对了经济的周期起伏与结构调整,公司不良率始终处于行业较低水平。
  四是金融科技融合创新,业务发展支撑有力。多年来公司经过持续积累和投入,科技水平已经在同类银行中处于领先水平。面对金融科技的发展浪潮,公司积极探索新技术的实践运用,助力业务稳健可持续发展。
  五是人才队伍储备扎实,员工素质持续提升。近年来,公司已逐步建立起体系化的人才引进机制、提升培养机制和分层选拔机制,确保人才队伍稳定有活力,更好地应对行业竞争和推动公司可持续发展。
  下阶段,公司将围绕战略目标,从以下六个方面,持续提升整体核心竞争力。
  一是持续推进利润中心建设。探索更多的盈利增长点,探索综合化经营模式,建立多元化的盈利渠道,提升综合化的金融服务能力。二是不断提升全面风险管理能力。持续完善全流程风险管理体系,将风险关口前移,努力将风险成本降到最低,确保公司稳健发展。三是主动拥抱金融科技时代。通过技术创新、服务创新和产品创新,努力打造在金融科技上的核心竞争力,为公司形成差异化的比较优势提供支撑。四是持续加强科技基础设施建设。不断加速科技系统和新数据中心建设,推动科技支撑能力再上台阶,能够更好地支撑各项业务发展。五是持续完善人力资源管理。通过标准化、模板化和体系化建设,打造一支适应银行业发展新常态的专业化员工团队,增强人力资源保障。六是持续推动分支机构建设。完善一体两翼的机构布局,争取实现浙江省内机构全覆盖,在省外区域将营业网点逐步下沉,提升品牌影响和客户口碑,努力成为区域主流银行。

  三、公司未来发展的展望
  2018年下半年,公司将继续实施“大银行做不好,小银行做不了”的经营策略,主动适应银行业经营的新常态,抓住业务发展新机遇,按照年初的总体工作部署推进各项工作。持续夯实管理基础,扎扎实实做业务,一丝不苟防风险,不断推动公司稳健可持续发展。 收起▲