主营介绍

  • 主营业务:

    公司金融业务、零售金融业务和资金业务

  • 产品类型:

    公司贷款、票据贴现、公司存款、中间业务产品与服务、个人贷款、银行卡业务、个人存款、中间业务产品与服务、货币市场业务、业业务、投资及交易业务、黄金交易、同业黄金拆借和黄金租赁、代客资金交易、跨境业务

  • 产品名称:

    固定资产贷款 、 流动资金贷款 、 票据贴现 、 公司存款 、 结算业务 、 现金管理业务 、 投资银行业务 、 托管业务 、 担保与贷款承诺服务 、 代理服务 、 住房按揭贷款 、 个人经营性贷款 、 借记卡业务 、 信用卡业务 、 个人存款 、 代发业务 、 个人理财产品和服务 、 代销基金业务 、 代理保险业务 、 代理贵金属业务 、 其他中间业务与服务 、 货币市场业务 、 业业务 、 投资及交易业务 、 黄金交易 、 同业黄金拆借和黄金租赁 、 代客资金交易 、 跨境业务

  • 经营范围:

    吸收公众存款;发放短期、中期和长期贷款;办理国内外结算;办理票据承兑与贴现;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、金融债券;从事同业拆借;买卖、代理买卖外汇;从事银行卡业务;提供信用证服务及担保;代理收付款项及代理保险业务;提供保管箱服务;提供资信调查、咨询、见证业务;经中国银行业监督管理机构、中国人民银行和国家外汇管理局等监管机构批准的其他业务;(依法须经批准的项目,经相关部门批准后方可开展经营活动)

运营业务数据

最新公告日期:2017-08-26 
业务名称 2017-06-30
客户总数(户) 20.43万
贷款垫款余额(元) 3901.56亿
资产证券化发行规模(元) 23.47亿
托管费收入(元) 5.66亿

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 批发金融业务 328.38亿 74.82% - - - -
零售金融业务 106.91亿 24.36% - - - -
其他业务 3.58亿 0.82% - - - -
按产品 利息收入 758.77亿 35.60% - - - -
发放贷款和垫款 399.18亿 18.73% - - - -
债务工具投资 258.61亿 12.13% - - - -
-公司贷款 246.33亿 11.56% - - - -
-个人贷款 138.31亿 6.49% - - - -
投资净收益 79.06亿 3.71% - - - -
手续费及佣金收入 67.44亿 3.16% - - - -
拆出资金 55.84亿 2.62% - - - -
公允价值变动净收益 46.52亿 2.18% - - - -
存放中央银行款项 20.49亿 0.96% - - - -
银行卡手续费收入 18.02亿 0.85% - - - -
买入返售金融资产 15.43亿 0.72% - - - -
代理手续费收入 15.31亿 0.72% - - - -
-票据贴现 14.54亿 0.68% - - - -
顾问和咨询费收入 13.94亿 0.65% - - - -
托管及其他受托业务佣金收入 9.05亿 0.42% - - - -
其他手续费及佣金收入 8.27亿 0.39% - - - -
存放同业及其他金融机构款项 7.75亿 0.36% - - - -
结算与清算手续费收入 1.99亿 0.09% - - - -
其他 1.47亿 0.07% - - - -
其他业务收入 9542.70万 0.04% - - - -
电子银行手续费收入 8656.60万 0.04% - - - -
其他收益 4299.80万 0.02% - - - -
资产处置(损失)/收益 -686.70万 -0.0032% - - - -
汇兑净(损失)/收益 -47.19亿 -2.21% - - - -
按地区 上海地区 276.00亿 62.89% - - - -
长三角地区(除上海地区) 69.83亿 15.91% - - - -
珠三角地区(含香港) 46.36亿 10.56% - - - -
环渤海地区 38.74亿 8.83% - - - -
中西部地区 7.89亿 1.80% - - - -
境外(不含香港) 619.10万 0.01% - - - -

董事会经营评述

  一、经营情况概述
  2018年,本集团坚持“精品银行”战略愿景,大力推进新一轮规划实施,把握外部经济金融形势变化趋势中的机会,积极服务实体经济,加快业务转型,推进专业化经营,加快特色业务优势培育,加强科技创新与技术运用,提升科技金融服务水平,优化风险管控机制,持续提升风险经营能力。报告期内,各项业务稳健发展,业务结构持续优化,盈利能力显著提升,资产质量保持稳健,核心经营指标进一步改善,实现新一轮规划的良好开局。
  (一)营收和利润快速增长,核心经营指标持续改善
  报告期内,本集团营业收入为438.88亿元,同比增长32.49%;归属于母公司股东的净利润为180.34亿元,同比增长17... 查看全部▼

  一、经营情况概述
  2018年,本集团坚持“精品银行”战略愿景,大力推进新一轮规划实施,把握外部经济金融形势变化趋势中的机会,积极服务实体经济,加快业务转型,推进专业化经营,加快特色业务优势培育,加强科技创新与技术运用,提升科技金融服务水平,优化风险管控机制,持续提升风险经营能力。报告期内,各项业务稳健发展,业务结构持续优化,盈利能力显著提升,资产质量保持稳健,核心经营指标进一步改善,实现新一轮规划的良好开局。
  (一)营收和利润快速增长,核心经营指标持续改善
  报告期内,本集团营业收入为438.88亿元,同比增长32.49%;归属于母公司股东的净利润为180.34亿元,同比增长17.65%。本集团把握市场利率变化趋势,持续优化资产负债结构,加强定价管理,净息差同比提高0.51个百分点,同时生息资产规模稳健增长,利息净收入同比增加108.20亿元,增长56.60%;非利息净收入与上年基本持平。
  基本每股收益为1.56元,同比增长11.43%;平均资产收益率为0.94%,同比提高0.08个百分点;加权平均净资产收益率为12.67%,同比提高0.04个百分点。
  (二)资产负债规模稳步增长,业务结构继续优化
  报告期末,本集团资产总额为20,277.72亿元,较上年末增长12.17%。存款总额为10,424.90亿元,较上年末增长12.87%。客户贷款和垫款总额为8,506.96亿元,较上年末增长28.11%。本集团积极服务实体经济,深入推进资产结构调整,加大信贷投放力度,贷款占比持续提升,报告期末,客户贷款和垫款总额占总资产比重为41.95%,较上年末提高5.22个百分点;持续优化信贷结构,加快零售信贷业务发展,报告期末,个人贷款及垫款在贷款总额中的占比为32.54%,较上年末提高6.33个百分点。
  (三)特色业务发展提速,专业化经营能力不断提升
  本集团围绕价值创造,加快业务转型,持续深化客户经营,巩固核心业务优势,全力推进特色业务发展,提高科技对金融的支持,专业化经营能力持续提升。
  一是紧跟国家战略布局与区域经济发展方向,提升一般性存款及优质资产获取能力,公司存贷款规模增速领先市场。培育供应链金融、科创金融业务特色,全力推进有特色的普惠金融服务,不断健全专业化经营管理体系,深化核心客户和基础客户经营,巩固交易银行、跨境银行、投资银行等特色银行业务。报告期末,科技型企业贷款余额658.74亿元,较上年末增长37.92%;普惠金融贷款余额170.01亿元(银保监口径),较上年末增长34.33%。报告期内,本公司供应链金融贷款投放额524.87亿元,同比增长117.22%;实现跨境中间业务收入9.78亿元,投行与财务顾问中间业务收入12.95亿元,同比分别增长15.33%和16.88%;债务融资工具业务规模快速增长,承销金额877.85亿元,同比增长50.92%。
  二是推进零售“重中之重”战略,聚焦消费金融、财富管理、养老金融等战略特色业务培育和优势打造,以消费金融带动零售信贷先行指标实现短期突破,并不断夯实可持续发展模式基础,价值贡献显著提升。报告期末,个人贷款和垫款余额(含信用卡)2,768.21亿元,较上年末增长59.05%,其中,消费贷款(含信用卡)余额占比为68.07%,较上年末提高14.01个百分点;信用卡流通卡数439.65万张,较上年末增长41.06%,流通户数334.93万户,较上年末增长34.80%。报告期末,零售客户数1,429.76万户,较上年末增长10.68%;管理零售客户综合资产5,196.17亿元,较上年末增长20.90%,其中,管理月日均综合资产100万元以上个人客户87,212户,较上年末增长30.60%,前述客户月日均综合资产2,198.28亿元,较上年末增长27.84%;养老金客户156.39万户,年代发超过2,000万笔,养老金客户综合资产2,275.54亿元,较上年末增长24.17%,占零售客户综合资产43.79%,较上年末提高1.15个百分点。
  三是深化科技赋能金融,以加快推进数字化创新为引领,打造OpenAPI开放数字化金融平台,实现开放银行核心内容建设,为产品持续创新、行业场景服务、客户深度经营持续提供动力,塑造互联网金融专业服务特色与核心竞争力,在线直销银行品牌“上行快线”的知名度及业界认可度持续提升。报告期末,本公司线上个人客户数2,049.92万户,较上年末增长59.33%,保持同业领先;互联网存款余额121.96亿元,较上年末增长112.20亿元;互联网消费贷款余额1,095.19亿元,较上年末增长267.55%。报告期内,互联网业务累计交易笔数20,474.68万笔,同比增长118.83%;互联网业务交易金额12,099.31亿元,同比增长10,461.16亿元;互联网理财产品销售额260.79亿元,同比增长50.30%。
  (四)资产质量保持稳健,风险抵补能力进一步增强
  报告期内,本集团积极应对当前风险形势,进一步优化风险管控机制,加大风险遏制与不良化解,着力提升风险经营能力,资产质量总体稳定,审慎计提减值准备,风险抵御能力进一步提升。
  报告期末,本集团不良贷款率1.14%,较上年末下降0.01个百分点;拨备覆盖率332.95%,较上年末提高60.43个百分点;贷款拨备率3.80%,较上年末提高0.66个百分点。
  (五)强化经济资本管理,资本充足水平保持良好
  本集团持续强化经济资本管理,增强激励与约束,提高资本使用效率,有效支持资产规模增长和结构调整,实现稳健经营。报告期末,本集团资本充足率为13.00%,一级资本充足率为11.22%,核心一级资本充足率为9.83%,资本充足水平保持良好。

  二、报告期内主要经营情况
  1、利息净收入
  (1)生息资产平均收益率和计息负债平均付息率
  报告期内,本集团净利息收益率和净利差持续改善,同比分别提高0.51个百分点和0.43个百分点,主要是本集团较好地把握货币信贷政策和市场利率变化趋势,优化资产配置结构,加大信贷投放力度,强化定价管理,带动生息资产平均收益率同比提高0.53个百分点;同时,计息负债平均付息率温和上升,同比提高0.10个百分点。
  下表列出本集团资产负债项目平均余额、利息收入/支出、平均收益/成本率情况。生息资产及计息负债项目平均余额为日均余额。
  (2)利息收入和支出变动分析
  下表列出本集团由于规模变动和利率变动导致利息收入和利息支出变动的分布情况。规模变动以平均余额(日均余额)变动来衡量;利率变动以平均利率变动来衡量,由规模变动和利率变动共同引起的利息收支变动,计入规模变动对利息收支变动的影响金额。
  (3)存款利息支出及贷款和垫款利息收入情况
  报告期内,本集团客户贷款和垫款平均收益率为5.28%,同比提高0.79个百分点。本集团持续优化信贷结构,将信贷资源向高收益公司贷款、个人贷款倾斜,准确把握市场机会,做好信贷投放节奏管理,促进贷款平均收益率大幅提升。
  本集团吸收存款平均付息率为2.01%,同比提高0.15个百分点,主要是存款竞争加剧,存款市场定价水平有所上升。
  2、非利息净收入
  (1)手续费及佣金净收入
  报告期内,本集团实现手续费及佣金净收入59.80亿元,同比下降4.42%,受资管新规和资本市场影响,代客理财等手续费收入有所下降;同时,推进业务和产品转型,部分产品费率下调。
  3、营业支出
  (1)业务及管理费
  报告期内,本集团发生业务及管理费90.06亿元,同比增加9.01亿元,增长11.12%,主要是由于员工成本和办公行政费用增加;成本收入比为20.52%,同比下降3.95个百分点,主要是由于营业收入增长较快,增幅高于业务及管理费增幅。
  (2)资产减值损失
  报告期内,本集团计提资产减值损失153.32亿元,同比增加66.61亿元,主要是贷款规模增长,审慎计提拨备,提升风险抵御能力。
  4、所得税费用
  报告期内,本集团发生所得税费用11.84亿元,同比增加4.38亿元,增长58.79%,主要是由于利润总额增长和免税收入占比下降。

  (二)资产负债表分析
  1、资产
  报告期末,本集团资产总额为20,277.72亿元,较上年末增加2,200.05亿元,增长12.17%。
  (1)客户贷款和垫款
  报告期末,本集团公司贷款和垫款余额5,342.70亿元,占比较上年末下降4.46个百分点;个人贷款和垫款余额2,768.21亿元,占比较上年末提高6.33个百分点;票据贴现396.05亿元,占比较上年末下降1.87个百分点。
  (1.1)最大十家贷款客户情况本集团加强统一授信管理,控制客户集中度。报告期末,最大十家贷款客户合计贷款余额575.04亿元,占本集团贷款和垫款总额的6.76%;单一最大客户贷款余额141.95亿元,占本集团贷款和垫款总额的1.67%。
  (1.2)个人贷款结构报告期末,本集团个人贷款余额2,768.21亿元,较上年末增长59.05%。其中,个人消费贷款余额占比较上年末提高;住房按揭贷款余额、个人经营性贷款余额、信用卡贷款余额占比较上年末略有下降。
  (3)买入返售金融资产
  报告期末,本集团买入返售金融资产余额为363.69亿元,较上年末增加105.60亿元,增长40.92%。
  (4)股权投资
  (4.1)对联营公司的投资对联营公司的投资是指对上海尚诚消费金融股份有限公司、上海上康银创投资管理有限公司等的投资。报告期末,对联营公司的投资账面价值为4.02亿元。
  (4.3)公司控制的结构化主体情况纳入本集团合并范围的结构化主体情况及本集团管理或享有权益但未纳入合并范围的结构化主体情况。
  (5)应收利息
  报告期末,本集团应收利息余额为97.60亿元,较上年末增加20.80亿元,增长27.08%。
  2、负债
  报告期末,本集团负债总额为18,660.04亿元,较上年末增加2,056.78亿元,增长12.39%。
  (1)客户存款
  报告期末,本集团吸收存款总额为10,424.90亿元,较上年末增加1,189.04亿元,增长12.87%。
  3、股东权益
  报告期末,本集团股东权益为1,617.69亿元,较上年末增加143.27亿元,增长9.72%,主要由于利润增长。

  (三)现金流量表分析
  报告期内,本集团经营活动产生的现金流量净额为-217.33亿元,主要是由于客户贷款和垫款投放量增加。
  投资活动产生的现金流量净额为129.06亿元,同比减少1,055.17亿元,主要是由于收回投资收到的现金减少。
  筹资活动产生的现金流量净额为86.41亿元,同比增加646.35亿元,主要是由于发行债务证券收到的现金增加。
  
二、行业格局、发展情况及趋势
  报告期内,我国经济运行总体平稳。央行实施稳健中性的货币政策,保持银行体系流动性合理充裕;监管部门着力防范化解银行业风险、整治银行业市场乱象,促进银行业提升服务实体经济能力。报告期内,银行业资产负债规模稳步增长,利润增长基本稳定;积极响应政策要求,加强对民营、小微企业的金融服务力度,普惠金融贷款增长较快;资产质量保持平稳,资本实力有所增强。
  与此同时,银行业积极服务国家重大战略的推进及新兴产业发展,将金融科技与自身转型发展深度融合,加快向轻型化、智能化和平台化金融服务模式转型,服务效率不断提升,服务实体经济的能力不断增强。
  三、发展战略、投资价值及核心竞争力战略愿景:
  成为服务专业、品质卓越的精品银行。
  特色定位:致力于成为面向企业客户的综合金融服务提供商;面向城市居民的财富管理和养老金融服务专家;依托上海国际金融中心的金融市场领先交易服务商;依托传统银行优势、独具特色的在线金融服务提供商。
  发展策略:
一是加快转型发展。适应形势变化和战略要求,重点通过客户经营、特色塑造、结构调整、综合金融服务、精细化管理,着力破解瓶颈制约,积极培育竞争优势。
  二是培育业务特色。公司业务深化交易银行、跨境银行、投资银行、托管银行特色,成为所在区域更具竞争力和品牌优势的企业综合金融服务提供商。零售业务加快拓展消费金融,培育财富管理专家和养老金融服务专家特色。金融市场业务推进内涵式转型发展,成为领先的交易服务商。互联网金融服务打造特色和优势明显的在线综合金融服务平台。
  投资价值及核心竞争力:成熟的战略管理体系。“精品银行”发展战略有序传承,逐步递进;建立涵盖总、分、子战略完整的战略规划框架;秉承闭环管理思想,推进战略目标和举措与经营管理、业务发展深入融合,战略执行效能不断提高。
  坚实的客户基础与全面、多层次的分销网络。扎根上海,主要业务在上海地区竞争优势显著,具有良好的信誉和知名度,拥有一大批优质的客户资源,并形成了长三角、环渤海、珠三角和中西部重点城市的布局框架,是唯一在境外设立子公司的城商行。
  综合化的公司金融服务体系。加强重点行业专业化经营,在交易银行、跨境银行、投资银行、科创金融等领域形成业务特色,加快从传统融资中介向全面金融服务中介的转变。
  重点提升的零售战略定位。将零售业务作为转型发展的重中之重,加快消费金融发展,零售信贷保持快速增长,资产结构更趋合理;持续打造财富管理专家和养老金融专家特色,秉持多年的上海地区养老金融专业服务经验,市场影响力和美誉度不断提升。
  全方位的跨境业务服务平台。建成具有品牌特色的以香港子公司、沪港台“上海银行”和桑坦德银行合作为依托的跨境金融服务平台,同时融合战略投资者的全球网络优势,跨境金融服务能力与市场竞争力不断提升。
  完善的综合化经营布局。上银香港、上银国际、上银基金业务发展良好,尚诚消费金融公司稳健发展,集团内资源加强整合,协同效应显现。
  扎实的风险量化管理基础。坚持“风控体系向实、内部管理向细”的原则,不断完善风险管理工具、流程、监督和约束机制,加快推动信用风险、市场风险、操作风险管理等系统建设,大数据分析应用加强,风险预警能力提高,资产质量保持优质水平。
  与业务深入融合的金融科技。建立金融科技创新机制,推进人工智能等新技术创新应用,不断提升客户体验,构建大数据应用体系,实现客户挖掘、风险控制等领域的数字化、自动化和智慧化,金融服务能力形成较强竞争优势。
  完善的全渠道经营体系。围绕打造“智慧金融、专业服务”企业形象,持续推进打造在线渠道、物理网点、呼叫中心立体联动的协同体系,不断提升数字化和智能化水平,完善服务体验,提升经营能力。
  不断增强的品牌影响力。2018年在英国《银行家》杂志“全球银行1000强”榜单中,按一级资本和总资产排名,本公司分列全球银行业第76位和第88位。
  
四、2019年度经营计划
  2019年,本公司将按照三年发展规划(2018-2020年)和目标定位,顺应国家宏观调控政策导向,把握外部市场和监管政策变化趋势,保持各项业务稳健发展,加快业务转型、巩固特色业务优势,加大对实体经济支持力度,持续优化资产负债结构和信贷结构,进一步强化风险管控和资本约束,加强全面成本管理和结构管理,提升差异化竞争能力和可持续发展能力。总体上,预计2019年资产负债规模稳定增长,结构持续优化,营业收入稳步提升,利润保持平稳增长。
  五、可能面对的风险
  2019年,从国际看,全球经济增长的预期趋缓、贸易保护主义的抬头、国际产业链和国际贸易格局的重大调整,增加全球金融市场的不稳定因素。从国内看,国内经济态势长期向好,但短期内存在新旧动能转换、资产价格波动幅度大、贸易和产业格局调整的结构性矛盾。商业银行面临的风险形势更加复杂严峻,房地产市场调控政策、供给侧结构性改革、利率市场化、金融去杠杆、资管新规、理财新规等政策效果逐步显现,中小房地产企业、融资平台隐性债务、产能过剩企业、个人消费过度授信等潜在信用风险暴露可能增大,并可能存在相交织的操作风险、声誉风险;优质资产和一般性存款的竞争更加激烈,“短线长配”流动性风险压力加大;案件风险、合规风险的防范依然是重中之重。
  本公司将继续坚持战略引领,坚持稳健的风险偏好,坚持“保增长、调结构、控风险”,主动适应和准确把握经济发展新常态,立足客户经营,强化结构调整,重视资金配置效率。培育“跨前一步”的风险管理文化,积极实践风险经营。强化风险管理的底线思维和刚性约束,强化风险管控。
  进一步提升专业化经营和精细化管理能力,深入推进转型发展,聚焦特色培育、能力建设、效率提升的深层次问题,加快推进数字化转型和应用,全面提升风险管理与经营能力,积极应对经济承压时期的潜在风险暴露。 收起▲