主营介绍

  • 产品类型:

    银行金融

  • 产品名称:

    商业银行业务 投资银行业务 保险业务 直接投资和投资管理业务 基金管理业务 飞机租赁

  • 经营范围:

    吸收人民币存款;发放短期、中期和长期贷款;办理结算;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;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;外汇存款;外汇贷款;外汇汇款;外币兑换;国际结算;同业外汇拆借;外汇票据的承兑和贴现;外汇借款;外汇担保;结汇、售汇;发行和代理发行股票以外的外币有价证券;买卖和代理买卖股票以外的外币有价证券;自营外汇买卖;代客外汇买卖;外汇信用卡的发行和代理国外信用卡的发行及付款;资信调查、咨询、见证业务;组织或参加银团贷款;国际贵金属买卖;海外分支机构经营当地法律许可的一切银行业务;在港澳地区的分行依据当地法令可发行或参与代理发行当地货币;经中国银行业监督管理委员会等监管部门批准的其他业务。

运营业务数据

最新公告日期:2017-04-01 
业务名称 2016-12-31 2015-12-31 2008-06-30 2007-12-31 2007-06-30
贷款总额(元) 9.97万亿 9.14万亿 - - -
存款总额(元) 12.94万亿 11.73万亿 - - -
不良贷款总额(元) 1460.03亿 1308.97亿 - - -
借记卡发卡量(张) - - 1.18亿 1.11亿 1.04亿
境外分支机构(个) - - 724.00 689.00 662.00
银行卡消费额(元) - - 1412.10亿 - -
境内分支机构(个) - - 1.00万 1.01万 1.04万
分支机构(个) - - 1.07万 1.08万 1.11万
信用卡发卡量(张) - - 1398.00万 1139.00万 -
第三方存管业务客户数(户) - - 477.26万 431.00万 -
第三方存管业务资金量(元) - - 1001.24亿 - -
内地机构商户数(户) - - 23.00万 23.00万 -
准贷记卡发卡量(张) - - - - 657.00万
贷记卡发卡量(张) - - - - 392.00万

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 公司金融业务 1041.68亿 41.96% - - - -
个人金融业务 807.66亿 32.54% - - - -
资金业务 396.58亿 15.98% - - - -
保险业务 117.44亿 4.73% - - - -
其他业务 107.37亿 4.33% - - - -
投资银行业务 25.56亿 1.03% - - - -
内部抵销 -13.93亿 -0.56% - - - -
按产品 利息收入 3006.34亿 31.83% - - - -
利息收入:发放贷款和垫款 2004.94亿 21.23% - - - -
利息收入:发放贷款和垫款:企业贷款和垫款 1257.95亿 13.32% - - - -
利息收入:发放贷款和垫款:个人贷款 706.83亿 7.48% - - - -
利息收入:金融投资及交易性金融资产 623.91亿 6.61% - - - -
手续费及佣金收入 543.48亿 5.75% - - - -
利息收入:存拆放同业、存放央行及买入返售金融资产 377.49亿 4.00% - - - -
其他业务收入 223.45亿 2.37% - - - -
手续费及佣金收入:银行卡手续费 122.99亿 1.30% - - - -
手续费及佣金收入:代理业务手续费 121.49亿 1.29% - - - -
手续费及佣金收入:信用承诺手续费及佣金 86.62亿 0.92% - - - -
投资收益 80.00亿 0.85% - - - -
手续费及佣金收入:结算与清算手续费 70.14亿 0.74% - - - -
手续费及佣金收入:顾问和咨询费 46.46亿 0.49% - - - -
手续费及佣金收入:外汇买卖价差收入 42.41亿 0.45% - - - -
利息收入:发放贷款和垫款:票据贴现 40.16亿 0.43% - - - -
手续费及佣金收入:其他 35.19亿 0.37% - - - -
汇兑收益 23.90亿 0.25% - - - -
手续费及佣金收入:托管和其他受托业务佣金 18.18亿 0.19% - - - -
公允价值变动收益 12.72亿 0.13% - - - -
按地区 中国内地 1925.27亿 77.56% - - - -
香港澳门台湾 456.84亿 18.40% - - - -
其他国家和地区 115.02亿 4.63% - - - -
内部抵销 -14.77亿 -0.59% - - - -

董事会经营评述

  一、经营情况概览。
  2017年以来,本行认真贯彻落实中央关于经济金融工作的方针政策和决策部署,深入贯彻“担当社会责任,做最好的银行”发展战略,坚持稳中求进的工作总基调,扎实推进“创新、转型、化解、管控”重点工作,各项业务平稳发展,经营业绩稳中有升。
  财务效益稳中有升。
  本行坚持稳健经营、以稳促进的经营理念,稳步推进业务发展,持续加强内部管理,主要财务指标表现良好。截至6月末,集团资产总计194,259.80亿元,负债合计178,981.08亿元,比上年末分别增长7.04%和7.42%。上半年,集团实现净利润1,105.49亿元,同比增长3.02%;实现归属于母公司所有者的净利润... 查看全部▼

  一、经营情况概览。
  2017年以来,本行认真贯彻落实中央关于经济金融工作的方针政策和决策部署,深入贯彻“担当社会责任,做最好的银行”发展战略,坚持稳中求进的工作总基调,扎实推进“创新、转型、化解、管控”重点工作,各项业务平稳发展,经营业绩稳中有升。
  财务效益稳中有升。
  本行坚持稳健经营、以稳促进的经营理念,稳步推进业务发展,持续加强内部管理,主要财务指标表现良好。截至6月末,集团资产总计194,259.80亿元,负债合计178,981.08亿元,比上年末分别增长7.04%和7.42%。上半年,集团实现净利润1,105.49亿元,同比增长3.02%;实现归属于母公司所有者的净利润1,036.90亿元,同比增长11.45%;实现利息净收入1,650.42亿元,手续费及佣金净收入491.87亿元,同比分别增长6.58%和2.84%。
  服务实体经济取得新进展。
  本行坚持以服务实体经济为己任,紧跟国家发展战略,充分发挥专业优势,支持国民经济转型升级。截至6月末,集团客户贷款总额106,507.03亿元,比上年末增加6,773.41亿元,增长6.79%。加快建设“一带一路”金融大动脉,累计跟进重大项目470个,提供融资支持超过800亿美元。
  持续完善海外机构网络布局,海外机构覆盖全球六大洲51个国家和地区,包含20个“一带一路”沿线国家。发行两期“一带一路”主题债券,募集资金约合36亿美元。面向8个太平洋岛国成功举办“一带一路”国际金融交流合作研修班。正式成为北京2022年冬奥会和冬残奥会官方银行合作伙伴。完善中小企业跨境撮合服务,累计举办35场跨境撮合活动。聚焦小微企业、“三农”、“大众创业、万众创新”等领域,持续优化信贷结构。着力实施精准扶贫,加大对口扶贫力度,建立特色公益共享平台。
  防控金融风险实现新成效。
  本行始终坚守风险底线,将防范风险放在更加突出的位置,积极推进全面风险管理,风险防控能力持续提升。密切跟进经济金融形势和监管要求变化,加强信贷资产质量管控,强化国别风险管理,资产质量保持相对稳定。截至6月末,集团不良贷款余额1,470.25亿元,不良贷款率1.38%。持续加大不良清收化解力度,创新不良资产化解手段,发行本行首单个人住房抵押贷款和信用卡不良资产证券化产品。深入推进内部控制三道防线建设,进一步明确每道防线的定位和职责,继续强化合规管理,确保合规经营。
  深化金融改革呈现新亮点。
  本行坚持创新转型驱动,稳妥推进体制机制改革,为业务发展提供持久动力。完成集友银行有限公司的股权转让,减少区域机构重叠,提高金融服务效率。稳步推进东盟地区业务重组,截至目前已完成马来西亚、泰国、雅加达三家机构向中银香港的转让。
  大力发展普惠金融,成立普惠金融事业部,着力打造市场化、特色化、专业化的普惠金融服务体系。推进村镇银行战略并购工作,完成对国家开发银行15家村镇银行的股权收购,建成中国内地最大的村镇银行集团。

  二、管理层讨论与分析。
  财务回顾。
  经济与金融环境。
  2017年上半年,全球经济持续复苏,国际贸易有所回暖。美国经济温和增长,失业率保持下降趋势。欧元区经济稳步复苏,政经风险逐渐减弱。日本经济持续复苏,出口保持较快增长。新兴经济体增长动力增强,俄罗斯、巴西等国家逐步摆脱衰退。
  国际金融市场稳定性增强,政策不确定性下降。利率方面,美联储两次加息,但通胀不及预期,长端利率不升反降。汇率方面,美元指数从年初高点回落,欧元震荡回升,新兴市场国家货币汇率普遍上涨。主要经济体股票市场表现较好,大宗商品市场表现分化。
  中国经济运行稳中向好、效益回升,总体呈现就业稳定、物价平稳和国际收支改善的良好格局。供给侧结构性改革成效明显,产业优化升级不断推进,发展新动能正在逐步形成。上半年,国内生产总值(GDP)同比增长6.9%,居民消费价格(CPI)同比上涨1.4%,社会消费品零售总额同比增长10.4%,固定资产投资同比增长8.6%,贸易顺差1.28万亿元。
  中国政府继续实施稳健的货币政策,更加强调去杠杆与防风险。金融市场开放提速,内地与香港债券市场交易互联互通机制(简称“债券通”)启动。金融市场运行整体平稳,货币信贷合理增长,人民币汇率平稳运行。6月末,广义货币(M2)余额163.13万亿元,同比增长9.4%;人民币存款余额159.66万亿元,同比增长9.2%。上半年,人民币贷款增加7.97万亿元,比去年同期多增4,362亿元;社会融资规模增量为11.17万亿元,比去年同期多增1.36万亿元。6月末,人民币兑美元汇率中间价为6.7744,比上年末升值2.4%;上证综合指数比上年末上升89点,沪深两市股票流通市值比上年末上升5.7%。
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