主营介绍

  • 产品类型:

    公司金融业务、个人金融业务、资金业务

  • 产品名称:

    公司类存贷款业务 小企业金融业务 机构业务 结算与现金管理业务 贸易融资和国际结算业务 投资银行业务 资产托管业务 养老金业务个人贷款 个人存款 银行卡业务 代销基金业务 代理国债业务 私人银行业务 货币市场业务 投资组合管理 代客资金交易 理财业务 贵金属业务

  • 经营范围:

    吸收公众存款;发放短期、中期、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;结汇、售汇;从事银行卡业务;提供信用证服务及担保;代理收付款项;提供保管箱服务;代理资金清算;各类汇兑业务;代理政策性银行、外国政府和国际金融机构贷款业务;贷款承诺;组织或参加银团贷款;外汇存款;外汇贷款;外汇汇款;外汇借款;发行、代理发行、买卖或代理买卖股票以外的外币有价证券;外汇票据承兑和贴现;自营、代客外汇买卖;外币兑换;外汇担保;资信调查、咨询、见证业务;企业、个人财务顾问服务;证券公司客户交易结算资金存管业务;证券投资基金托管业务;企业年金托管业务;产业投资基金托管业务;合格境外机构投资者境内证券投资托管业务;代理开放式基金业务;电话银行、手机银行、网上银行业务;金融衍生产品交易业务;经国务院银行业监督管理机构等监管部门批准的其他业务;保险兼业代理业务。(企业依法自主选择经营项目,开展经营活动;依法须经批准的项目,经相关部门批准后依批准的内容开展经营活动;不得从事本市产业政策禁止和限制类项目的经营活动。)

运营业务数据

最新公告日期:2017-08-31 
业务名称 2017-06-30 2016-12-31 2016-06-30 2015-12-31 2015-06-30
境内公司存款(元) 6.26万亿 5.60万亿 5.37万亿 4.82万亿 4.80万亿
托管资产规模(元) 9.39万亿 - 8.28万亿 - 5.84万亿
公司类贷款和票据贴现余额合计(元) 6.30万亿 5.94万亿 5.92万亿 5.74万亿 5.70万亿
个人理财产品余额(元) 1.19万亿 1.15万亿 1.04万亿 1.02万亿 7135.54亿
理财产品余额(元) 1.50万亿 1.63万亿 1.55万亿 1.58万亿 1.04万亿
借记卡累计发卡量(张) 8.83亿 8.80亿 8.45亿 8.13亿 7.61亿
境内个人贷款余额(元) 3.68万亿 3.34万亿 3.05万亿 2.73万亿 2.56万亿
境内个人存款余额(元) 9.20万亿 8.82万亿 8.56万亿 8.07万亿 7.92万亿
私人银行客户数(个) 6.70万 7.00万 7.97万 6.90万 6.40万
对公理财产品余额(元) 3145.98亿 4796.08亿 5087.32 5610.55 3303.97亿
个人客户数量(户) - 7.00亿 4.84亿 4.74亿 4.64亿
信用卡累计发卡(张) - 6863.00万 6374.81万 5323.18万 5565.89万

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 公司银行业务 2466.32亿 45.92% - - - -
个人银行业务 2032.96亿 37.85% - - - -
资金运营业务 561.50亿 10.46% - - - -
其他业务 309.63亿 5.77% - - - -
按产品 利息收入 7136.99亿 34.62% - - - -
利息收入:发放贷款和垫款 4414.75亿 21.41% - - - -
利息收入:发放贷款和垫款:对公贷款和垫款 2740.39亿 13.29% - - - -
利息收入:发放贷款和垫款:个人贷款和垫款 1583.23亿 7.68% - - - -
利息收入:持有至到期投资 1232.70亿 5.98% - - - -
手续费及佣金收入 852.57亿 4.14% - - - -
利息收入:可供出售金融资产 490.70亿 2.38% - - - -
利息收入:存放中央银行款项 416.04亿 2.02% - - - -
利息收入:应收款项类投资 236.54亿 1.15% - - - -
其他业务收入 231.05亿 1.12% - - - -
手续费及佣金收入:代理业务 227.73亿 1.10% - - - -
手续费及佣金收入:银行卡 226.99亿 1.10% - - - -
手续费及佣金收入:电子银行业务 145.95亿 0.71% - - - -
利息收入:拆出资金 130.60亿 0.63% - - - -
手续费及佣金收入:结算与清算业务 111.13亿 0.54% - - - -
汇兑损益 110.21亿 0.53% - - - -
利息收入:买入返售金融资产 97.45亿 0.47% - - - -
利息收入:发放贷款和垫款:票据贴现 91.13亿 0.44% - - - -
手续费及佣金收入:顾问和咨询业务 83.58亿 0.41% - - - -
利息收入:存放同业及其他金融机构款项 73.40亿 0.36% - - - -
投资损益 62.78亿 0.30% - - - -
利息收入:以公允价值计量且其变动计入当期损益的金融资产 44.81亿 0.22% - - - -
手续费及佣金收入:托管及其他受托业务 33.68亿 0.16% - - - -
手续费及佣金收入:信贷承诺 20.94亿 0.10% - - - -
手续费及佣金收入:其他业务 2.57亿 0.01% - - - -
公允价值变动损益 -181.96亿 -0.88% - - - -
按地区 西部地区 1162.71亿 21.65% - - - -
长江三角洲地区 1075.83亿 20.03% - - - -
环渤海地区 819.19亿 15.25% - - - -
中部地区 789.93亿 14.71% - - - -
珠江三角洲地区 733.32亿 13.65% - - - -
境外及其他 358.36亿 6.67% - - - -
总行 219.56亿 4.09% - - - -
东北地区 211.51亿 3.94% - - - -

董事会经营评述

  环境与展望.
2017年,世界经济延续复苏态势,实现六年来最快增长,通胀总体温和。美国私人投资提速,经济保持强劲增长,通胀水平明显回升,失业率降至十六年以来新低。欧元区经济持续复苏,各经济体普遍出现较强增长,失业率处于欧债危机以来的低位。日本经济继续温和复苏,通胀水平有所改观,失业率创24年以来新低。新兴市场经济体经济总体增长较快,受大宗商品价格回升推动,俄罗斯和巴西经济逐步企稳。全年道琼斯工业指数、欧洲STOXX50指数和日经225指数分别上涨25.1%、5.56%和19.1%。美元指数走势较弱,全年下跌9.89%。大宗商品价格小幅震荡上行,CRB现货指数全年微涨2.19%。
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  环境与展望.
2017年,世界经济延续复苏态势,实现六年来最快增长,通胀总体温和。美国私人投资提速,经济保持强劲增长,通胀水平明显回升,失业率降至十六年以来新低。欧元区经济持续复苏,各经济体普遍出现较强增长,失业率处于欧债危机以来的低位。日本经济继续温和复苏,通胀水平有所改观,失业率创24年以来新低。新兴市场经济体经济总体增长较快,受大宗商品价格回升推动,俄罗斯和巴西经济逐步企稳。全年道琼斯工业指数、欧洲STOXX50指数和日经225指数分别上涨25.1%、5.56%和19.1%。美元指数走势较弱,全年下跌9.89%。大宗商品价格小幅震荡上行,CRB现货指数全年微涨2.19%。
  2017年,中国经济保持稳中向好态势,结构继续优化,新兴动能加快成长,质量效益有所提高。全年GDP增长6.9%,同比回升0.2个百分点。出口增长10.8%,同比回升12.8个百分点。固定资产投资和社会消费品零售总额分别增长7.2%和10.2%,分别较上年回落0.9和0.2个百分点。经济结构继续优化,第三产业增加值对GDP增长的贡献率为58.8%,比上年提高1.3个百分点。中高端消费、创新引领、绿色低碳、共享经济、现代供应链等领域新市场主体大量涌现,对经济增长的支撑效应愈发明显。供给侧结构性改革进一步深化,“三去一降一补”取得明显成效。对外开放深入发展,“一带一路”建设取得突破性进展。
  居民消费价格温和上涨,2017年CPI同比上涨1.6%;工业领域通胀压力上升,PPI同比上涨6.3%。2017年广义货币(M2)增速为8.2%,社会融资存量规模为174.6万亿元。
  面对复杂多变的国内外经济金融环境,中国政府坚持稳中求进的工作总基调,继续实施稳健的货币政策和积极的财政政策。成立国务院金融稳定发展委员会,加强金融监管协调、补齐监管短板。金融监管全面从严,加强市场乱象整治,严厉打击违规行为。健全货币政策和宏观审慎政策双支柱调控框架,表外理财纳入广义信贷指标范围,继续完善全口径跨境融资宏观审慎管理。金融改革持续深化,资产管理新规即将出台,普惠金融发展机制进一步完善,商业银行市场化债转股取得积极成效。
  2018年,世界经济复苏态势有望延续。根据IMF2018年1月的预测,2018年全球经济增速将由2017年的3.6%升至3.9%。美国税改以及劳动力市场改善将推动经济加快复苏。欧洲主要国家大选尘埃落定,未来不确定因素减少。日本经济仍然维持温和复苏态势。新兴市场经济体经济继续保持强劲增长。另一方面,全球经济回暖基础并不牢固,面临着货币政策正常化、新一轮全球贸易和投资保护主义升级等诸多风险和挑战。
  中国经济已由高速增长阶段转向高质量发展阶段。2018年,中国经济增速预计略有放缓,通胀保持温和。房地产投资和基建投资以稳为主,先进制造业投资将明显提速,整体固定资产投资增速有望保持平稳。居民消费结构升级持续加快,以文化、旅游、信息、绿色产品等为代表的中高端消费占比将进一步提升。随着环保督查常态化,工业品价格将小幅上涨,房价对房租和服务业价格的压力逐步释放,消费品价格上涨较为温和,通胀压力整体不大。
  2018年,宏观调控政策将主要为推动经济高质量发展服务。积极的财政政策取向不变,更强调调整优化支出结构,确保对精准扶贫、污染防治、雄安新区建设、乡村振兴等重点领域和项目的支持力度。稳健的货币政策保持中性,强调管住货币供给总闸门,预计流动性维持紧平衡。中美利差维持高位将支撑人民币汇率稳中有升,人民币有效汇率指数总体保持稳定。防范系统性金融风险仍将是监管重点,继续加强和完善与影子银行关系密切的金融业务的监管,切实引导金融业回归本源、专注主业。
  中国经济转入高质量发展阶段将为本行改革发展带来难得的市场机遇。2018年,本行将坚持“稳中求进”的工作总基调,扎实推进服务三农和实体经济,防范金融风险,推进经营转型,持续深化改革,努力夺取建设国际一流商业银行集团新胜利。
  一是坚持回归本源,有效服务实体经济。重点做好供给侧结构性改革、国家重大战略及重大改革、乡村振兴战略等领域的金融服务。加大改革创新力度,深化内部管理,持续提升服务实体经济的效率和水平。二是打造服务三农新优势。互联网金融服务三农是新时代本行全面转变三农服务方式、破解三农服务难题的重大战略举措,下一步要做大规模、做出亮点、做响品牌,快速占领农村互联网金融服务制高点。三是持续深化改革,推动业务转型发展。以“金融科技+”为主线,运用互联网思维,推进零售业务战略转型。全面提升中间业务创收能力,着力巩固基础性中间业务优势地位,做优做强代理代销业务,推动新兴业务加速发展。强化资本节约意识,提高资本充足水平。强化客户经营中的数据驱动、价值导向,建设智能化、场景化、一体化的渠道体系,构建标准化、集约化的运营流程。四是抓好重点领域风险管理。切实管住信用风险,持续做好流动性和市场风险防控,多策并举,切实防范合规风险。
  董事长致辞.2017年,世界经济企稳向好,我国经济更具活力和韧性。本行始终坚持稳中求进工作总基调,以“六维方略”为引领,加强实体经济金融服务,加大案防风控工作力度,持续深化改革和加强管理,圆满完成了全年各项工作任务,主要经营指标好于预期。截至2017年末,本行总资产达21.05万亿元,较上年末增长7.6%。全年实现净利润1,931.33亿元,同比增长4.9%,增速居可比同业前列;平均总资产回报率(ROAA)0.95%,加权平均净资产收益率(ROAE)14.57%。不良贷款率1.81%,较上年末下降0.56个百分点,拨备覆盖率达到208.37%。这些成绩的取得,是股东、客户和社会各界鼎力支持的结果,也是广大员工奋力拼搏、无私奉献的结果,本人谨代表董事会深致谢忱。
  当前,中国银行业面临着更为复杂的外部形势,机遇与挑战并存。中国经济由高速增长阶段向高质量发展阶段迈进,既带来新的金融需求和新的展业领域,也对银行业转型发展提出了新的更高要求。金融监管力度加大,银行业监管达标、合规经营压力持续增加。
  金融科技已成为深刻改变金融业面貌的颠覆性力量,银行业进入金融科技革命的新阶段,孕育着前所未有的大变局。
  2018年,本行将坚持稳中求进的工作总基调,坚持新发展理念,按照高质量发展的要求,深入实施“六维方略”,坚定不移地服务实体经济、防控金融风险、推进经营转型、持续深化改革,努力夺取建设国际一流商业银行集团新胜利。
  坚定不移地服务好实体经济。服务实体经济是金融回归本源的必然要求,是防范化解风险的根本之策,也是本行的天职和宗旨。围绕供给侧结构性改革,继续压降产能过剩行业信贷投放,坚决退出僵尸企业,大力支持新产业、新业态、新商业模式。围绕国家重大战略,坚持以项目为驱动,全力对接京津冀协同发展、长江经济带、雄安新区、粤港澳大湾区等重大区域发展战略。围绕乡村振兴,重点实施金融服务国家粮食安全战略、农村产业融合、农村集体产权制度改革等“七大行动”;聚焦精准扶贫、深度贫困地区扶贫和定点扶贫,创新金融服务模式,全力做好金融扶贫各项工作。围绕污染防治,积极创新绿色金融产品,加大绿色信贷投放力度,建设绿色金融领军银行。围绕全面开放新格局,切实加强“一带一路”金融服务,稳步推进海外机构布局,提升海外机构经营管理水平。
  坚定不移地防控金融风险。继续打好防范化解金融风险攻坚战,既防“黑天鹅”,也防“灰犀牛”。按照“严格控制增量、稳妥化解存量”的思路,把从严治贷的标准和要求在全行立起来,开展集团客户、房地产等重点领域风险治理,进一步加强信用风险管理。高度警惕表内外、境内外风险的扩散传染,增强主动负债能力,畅通多元化融资渠道,持续做好流动性风险管理。严密盯防各类市场风险因素波动情况,主动对接资产管理新规,切实管住市场风险。坚持“双基”管理、“三线一网格”、科技防控“三箭齐发”,严防案件风险。
  坚定不移地推进经营转型。始终坚持以客户为中心的经营理念,围绕转型和创新,致力于提供超预期的产品和服务。紧跟互联网时代三农发展趋势,加快推进互联网金融服务三农“一号工程”,进一步完善平台功能、创新产品,打造服务三农新优势。创造性地运用互联网思维,以“金融科技+”为主线,推进零售业务战略转型,持续巩固和强化零售业务传统优势。坚持分类施策,强化激励,全面提升中间业务的创收能力。不断强化资本节约意识,坚决消灭资本无效、低效占用,标本兼治提高资本充足水平。坚持开源节流与机制建设并重,优化资产组合结构,坚持向成本宣战不动摇,完善资源配置和绩效考核机制,努力提升经营绩效。
  坚定不移地深化各项改革。以释放经营活力为导向,进一步深化体制机制改革。深入推进总行组织架构、三农金融事业部、总行直接经营体制、综合化经营、省会城市行管理体制、人才发展体制与专业岗位、审计与内控合规体制机制等多项改革的落地实施。以市场化和信息化为导向,加快推进科技与产品创新管理体制改革。按照净值化、市场化、公司化的方向,稳步推进资管业务体系改革。着眼长远、完善体系,切实推进业务流程转型和变革。
  功崇惟志,业广惟勤。2018年是改革开放40周年和本行股改10周年,也是本行实施2016-2020年改革发展规划、深化体制机制改革的关键之年。在新的一年里,本行将锐意进取、埋头苦干,在不懈奋斗中谱写农业银行改革发展新篇章行长致辞.2017年,面对错综复杂的国内外经济金融环境,本行认真贯彻落实国家决策部署,坚持稳中求进工作总基调,以服务供给侧结构性改革为主线,加大对三农和实体经济的支持力度,调结构、促发展、防风险、强基础,业务运行稳中向好、好中提质、好于预期,实现规模、质量、效益协同发展,全面完成了董事会确定的各项经营目标任务。
  坚持稳健经营,业绩稳步提升。截至2017年末,集团总资产达到21.05万亿元,比上年末增加1.48万亿元,增速7.6%;全年实现净利润1,931.33亿元,增速4.9%。存贷款市场位次稳定,贷款增加10,009.72亿元,增速10.3%;存款增加11,562.78亿元,增速7.7%,其中个人存款余额和增量均保持同业领先。拨备覆盖率208.37%,较上年末提升34.97个百分点。成本收入比32.96%,同比下降1.63个百分点。
  积极服务农业供给侧结构性改革,三农金融服务和金融扶贫工作迈上新台阶。本行坚持服务三农的战略定位,突出支持“大三农、新三农、特色三农”,水利、县域城镇化和专业大户等重点领域贷款实现较快增长。积极支持农民进城购房,“农民安家贷”增加1,820亿元。适应农村金融需求新变化,启动互联网金融服务三农“一号工程”并取得良好开局。
  加大金融精准扶贫力度,832个国家扶贫工作重点县贷款增加1,107亿元,同比多增187亿元,县均新增贷款1.33亿元。截至2017年末,本行县域贷款余额达3.57万亿元,比上年末增加3,900亿元,增量创历史新高,增速12.3%,高出全行贷款增速2.0个百分点,县域增量贷存比为78.9%;涉农贷款和农户贷款(涉农贷款口径)余额分别突破3万亿元和1万亿元;县域不良余额和不良率创近三年新低,三农金融事业部各项监管指标全面达标,服务三农实现新突破。
  加大信贷投放和结构调整力度,服务实体经济成效显著。本行秉承金融服务实体经济的天职和宗旨,将更多金融资源配置到国民经济发展的重点领域和薄弱环节。铁路、公路、电力、环境治理、城市基础设施、棚户区改造等重大项目贷款投放5,678亿元,同比多投放2,081亿元。出台新经济金融服务指导意见,新增战略性新兴产业贷款457亿元。推进普惠金融业务体系建设,稳步拓展“数据网贷”等重点业务,新增小微企业贷款1,602亿元。
  认真落实房地产调控政策,在把控好住房按揭贷款总量和区域投向的同时,稳步发展消费信贷业务,新增个人贷款6,593.94亿元。同时,坚决落实去产能政策要求,钢铁和煤炭行业信用风险敞口继续下降,高不良批发零售、低端制造行业客户也在持续退出,全行信贷结构调整取得新进展。
  深化改革创新转型,战略性业务快速发展。坚持以改革创新促转型,不断推进业务结构调整和盈利模式转型。金融市场投资和做市能力持续提升,债券投资收益率和债券做市、外汇即期做市能力均保持同业领先。理财业务平稳发展,日均规模达到1.75万亿元。私人银行客户金融资产突破万亿元,托管业务规模突破10万亿元,信用卡、贵金属、国际结算、结售汇与外汇买卖等业务均实现较快增长。投行业务着力抓创新,成为首批“债券通”承销商,推出“绿水青山”、棚户区改造等国内多个首单资产证券化产品。综合化经营子公司和境外机构平稳发展,盈利能力提升。迪拜分行开业,伦敦分行、澳门分行、河内分行和圣保罗代表处获当地监管机构批复,境外机构网络建设取得新进展。
  控新降旧双向发力,资产质量明显改善。把防控风险放到更加重要的位置,坚持分类施策、标本兼治,开展不良贷款压降攻坚战。深入推进集团和关联客户治理,加强高风险担保圈、僵尸企业、地方政府融资等重点领域风险管控,不良贷款发生率下降,关注类贷款占比、逾期贷款率、逾期90天以上贷款等指标均有好转,风险高发势头得到有效遏制。
  同时,加大不良贷款处置力度,着力提高处置效益。经过全行上下共同努力,不良贷款大幅“双降”,不良余额1,940.32亿元,比上年末下降368.02亿元,不良率1.81%,比上年末下降0.56个百分点,资产质量进一步向好。
  提升基层基础管理精细化水平,进一步夯实发展根基。本行认真落实监管要求,扎实做好市场乱象集中整治等银监会专项治理整治工作。深化内控合规管理,深入开展“双基管理建设年”活动,推广“三线一网格”管理模式,全面加强运营风险管控,扎实开展案防风控“大排查”,不断提升反洗钱合规管理水平,及时发现和化解了一批风险隐患,内控机制进一步健全。有序推进“信息化银行”建设,大额交易和可疑交易报告系统一期工程等一批重大项目顺利投产,大数据分析应用成果显著,信息科技对业务经营和管理的支撑作用进一步加强。通过一系列行之有效的措施,制度在完善,漏洞在弥补,全行上下合规意识明显增强。
  2018年是全面贯彻党的十九大精神开局之年,是决胜全面建成小康社会、实施“十三五”规划承上启下的关键一年,也是农业银行深化改革转型、加快建设国际一流商业银行集团的重要之年。新的一年,本行管理层将紧紧围绕董事会确定的发展目标,坚持新发展理念,按照高质量发展的要求,坚定不移抓好服务实体经济、防控金融风险、推进经营转型、持续深化改革等重点工作,不断提升可持续发展能力,努力为股东、客户创造更大价值。 收起▲