主营介绍

运营业务数据

最新公告日期:2018-03-15 
业务名称 2017-12-31 2017-06-30 2016-12-31 2016-06-30 2014-12-31
吸收存款余额(百) 200.04亿 - 192.18亿 - -
总资产(百) 324.85亿 309.21亿 295.34亿 - -
吸收存款余额(元) - - - 1.90万亿 -
总资产(元) - - - 2.80万亿 -
托管资产规模(元) - - - 4.75万亿 -
表内外理财规模(元) - - - 9589.52亿 -
不良贷款余额(元) - - - 211.95亿 -
贷款余额(元) - - - - 1.02亿
存款余额(元) - - - - 1.53亿

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 540.91亿 51.13% - - - -
零售业务 466.92亿 44.14% - - - -
其他 50.03亿 4.73% - - - -
按产品 利息收入 1480.68亿 31.82% - - - -
利息收入:发放贷款和垫款 949.76亿 20.41% - - - -
利息收入:发放贷款和垫款:个人贷款和垫款 532.78亿 11.45% - - - -
利息收入:发放贷款和垫款:公司贷款和垫款 414.97亿 8.92% - - - -
手续费及佣金收入 357.25亿 7.68% - - - -
利息收入:证券投资的利息收入 321.70亿 6.91% - - - -
手续费及佣金收入:银行卡手续费收入 185.11亿 3.98% - - - -
利息收入:金融企业往来 107.26亿 2.31% - - - -
利息收入:存放中央银行款项 42.32亿 0.91% - - - -
利息收入:其他 40.56亿 0.87% - - - -
手续费及佣金收入:理财手续费收入 34.11亿 0.73% - - - -
手续费及佣金收入:代理及委托手续费收入 33.50亿 0.72% - - - -
手续费及佣金收入:资产托管手续费收入 30.46亿 0.65% - - - -
手续费及佣金收入:咨询顾问费收入 26.59亿 0.57% - - - -
手续费及佣金收入:结算手续费收入 23.92亿 0.51% - - - -
手续费及佣金收入:其他 22.00亿 0.47% - - - -
利息收入:交易性金融资产的利息收入 19.08亿 0.41% - - - -
利息收入:金融企业往来:同业转贴现及买入返售金融资产 16.66亿 0.36% - - - -
投资收益 6.32亿 0.14% - - - -
利息收入:发放贷款和垫款:贴现 2.01亿 0.04% - - - -
其他业务收入 1.86亿 0.04% - - - -
其他收益 1.70亿 0.04% - - - -
汇兑损益 1.66亿 0.04% - - - -
手续费及佣金收入:账户管理费收入 1.56亿 0.03% - - - -
资产处置损益 1000.00万 0.0021% - - - -
公允价值变动损益 -6100.00万 -0.01% - - - -
按地区 总行 394.75亿 37.32% - - - -
东区 235.89亿 22.30% - - - -
南区 222.22亿 21.01% - - - -
北区 130.17亿 12.31% - - - -
西区 74.83亿 7.07% - - - -

董事会经营评述

  管理层讨论与分析
  (一)总体情况
  2018年是贯彻党的十九大精神的开局之年,是改革开放40周年,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。2018年3月“两会”胜利召开,党中央和国务院机构改革大力推进,为国家的长远发展提供了重要保障。金融监管改革进一步深化,为银行业全面防控金融风险,高质量服务实体经济提供了重要引领。2018年一季度,中国经济总体呈现稳中向好态势,“一带一路”倡议稳步推进,供给侧结构性改革持续深化,经济发展新动力进一步形成。
  本行顺应国家战略和经济金融形势,坚持“科技引领、零售突破、对公做精”十二字转型方针,持续加强科技创新和技术运用,持续推... 查看全部

  管理层讨论与分析
  (一)总体情况
  2018年是贯彻党的十九大精神的开局之年,是改革开放40周年,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。2018年3月“两会”胜利召开,党中央和国务院机构改革大力推进,为国家的长远发展提供了重要保障。金融监管改革进一步深化,为银行业全面防控金融风险,高质量服务实体经济提供了重要引领。2018年一季度,中国经济总体呈现稳中向好态势,“一带一路”倡议稳步推进,供给侧结构性改革持续深化,经济发展新动力进一步形成。
  本行顺应国家战略和经济金融形势,坚持“科技引领、零售突破、对公做精”十二字转型方针,持续加强科技创新和技术运用,持续推进智能化零售银行转型,持续推动公司业务从规模驱动的外延式增长向价值与质量驱动的内涵式增长转型,严防各类金融风险,深耕行业金融,全面提升服务实体经济的能力,各项业务稳健发展,资产质量稳中趋好,战略转型成效进一步显现。
  1、总体保持稳健发展
  2018年一季度,本行实现营业收入280.26亿元,同比增长1.1%,其中非利息净收入93.39亿元,同比增长5.4%,主要来自信用卡等手续费收入的增加;非利息净收入占比为33.3%,同比提升1.4个百分点。准备前营业利润192.55亿元,同比减少6.9%;净利润65.95亿元,同比增长6.1%,盈利能力保持稳定。
  2018年3月末,本行资产总额33,385.72亿元,较上年末增长2.8%;吸收存款余额20,344.94亿元,较上年末增幅1.7%;发放贷款和垫款总额(含贴现)17,725.28亿元,较上年末增幅4.0%,其中个人贷款(含信用卡)占比较上年末提升2.6个百分点至52.4%。2018年3月末全行保本理财产品(含结构性存款)余额为4,394.26亿元、较上年末增幅26.7%,非保本理财产品余额为4,930.95亿元、较上年末降幅1.6%。
  2、零售转型持续深化
  本行贯彻“科技引领”的主线,促进零售业务和互联网从线上到线下加速融合和创新。同时,本行继续深化综合金融优势,实现业务持续、稳定、快速增长。
  (1)规模和效益保持持续快速增长
  2018年3月末,本行管理零售客户资产(AUM)11,863.86亿元,较上年末增长9.2%,零售客户数(含借记卡和信用卡客户)达7,362.57万户,较上年末增长5.3%,其中私财客户49.55万户、较上年末增长8.5%,私行达标客户2.5万户、较上年末增长6.4%;信用卡流通卡量达4,226万张,较上年末增长10.2%。零售存款余额3,865.29亿元,较上年末增长13.4%,零售贷款(含信用卡)余额9,286.82亿元,较上年末增长9.4%;信用卡总交易金额5,594.45亿元,同比增长85.2%,平安口袋银行APP月活客户数1,604.8万户,位居股份制银行前列。
  (2)资产质量稳定在历史较好水平
  2018年3月末,本行零售业务不良率稳中有降,零售贷款(不含信用卡)不良率1.01%,较上年末下降0.17个百分点;其中,零售贷款(不含信用卡、个人经营性贷款)不良率0.30%,较上年末下降0.05个百分点。信用卡不良率1.14%,较上年末下降0.04个百分点,资产质量保持稳定。零售主要贷款产品(新一贷、汽车贷款)由未逾期迁徙到逾期30天以上的比例维持在历史较低水平。
  自2017年下半年开始,因应内外部环境变化,本行对不同的客群采取主动、灵活的风险调控策略,在提升收益的同时确保风险稳定可控;在提升风险管理能力方面,本行启动了AI+风控项目,通过建设统一的风险信息平台,实现信贷产品的总授信额度管控、整体自动审核及秒级时效的精准决策。
  同时,将借记卡和信用卡反欺诈统一管理,构建大零售企业级反欺诈防线。
  (3)核心业务继续保持稳定快速增长态势
  信用卡业务继续保持快速稳健增长。2018年一季度,累计新增发卡476.20万张,同比增长139.6%。
  2018年3月末,信用卡贷款余额3,482.40亿元,较年初增长14.7%。本行丰富信用卡产品体系,深入跨界融合,满足客户多元化、多场景、便捷高效的用卡需求。2018年2月与盛大游戏合作推出平安最终幻想XIV系列专属联名信用卡,继续丰富平安由你卡家族成员,为年轻客户群体提供更多的个性化选择;2018年3月携手曼联足球俱乐部推出平安曼联红魔白金信用卡,为球迷用户创造全新的跨界金融服务体验;同月,联合腾讯视频推出平安腾讯视频VIP联名信用卡,为流量客户提供兼具信用卡金融服务功能和腾讯视频会员优惠权益。同时,依托整合升级的新口袋APP,不断完善一站式综合金融服务平台,丰富信用卡基础金融服务和生活场景的一键连接环节,持续打造“快、易、好”的极致客户体验。
  2018年一季度,本行新一贷贷款新发放额284.56亿元,期末余额1,380.07亿元,不良率0.60%。
  为支持普惠金融,缓解小微企业融资难,更好的服务实体经济发展,有效地促进金融资源的“脱虚向实”,新一贷积极支持小微企业主、个体工商户等客户,解决该类客群在经营过程中长期存在的融资难问题,提升对小微企业的支持力度,促进个贷业务的健康可持续发展。同时,基于互联网和大数据,积极拓展互联网渠道和流量入口,重点增加场景化入口,扩大客群覆盖面,增强客户粘度,实现线上线下联动,持续提升获客精准度,使银行服务惠及更多客群。借助网上银行、手机银行、微信、门户网站等互联网渠道打造一站式经营及消费贷款平台,充分运用互联网技术提升产品竞争力,实现业务申请办理的集中化、自动化和智能化,持续优化业务流程、提升客户体验和服务效率。
  2018年一季度,本行汽车金融业务贷款新发放额364.74亿元、同比增长67.0%;2018年3月末,全行汽车贷款余额1,388.68亿元,较上年末增幅6.4%,市场份额继续保持同业领先地位。通过产品创新、授信流程优化、运用科学风险量化模型及大数据策略等举措,本行汽车金融业务整体系统自动化审批占比达67%,其中二手车业务自动审批率达50%,有效提升了客户体验并建立了行业领先优势。本行不断加强渠道创新和服务创新,通过手机口袋银行、微信、网站等线上渠道为客户提供更加高效便捷的业务申请方式,有效提升客户体验和满意度。
  零售综拓新模式、集团销信用卡、银行销保险等综合金融业绩继续保持增长。2018年一季度,综拓寿险渠道迁徙客户新增111.05万户,占零售新增客户(不含信用卡)的比例为47.8%,其中财富及以上客户(私财客户)新增1.40万户,占整体新增私财客户的比例35.9%;管理零售客户资产(AUM)余额新增345.64亿元,占零售整体新增客户资产余额的比例为34.7%;综拓渠道发放新一贷111.81亿元,占新一贷整体发放的比例为39.3%。发放汽融贷款67.96亿元,占汽融贷款整体发放的比例为18.6%。信用卡通过交叉销售渠道在新增发卡量中占比达38.6%;零售全渠道代销集团保险累计实现非利息净收入6.21亿元,同比增幅67.5%。
  2018年一季度,本行积极拓展集团资源平台获客。一方面继续携手平安寿险,打造面向寿险精英人员,进行高净值客户的渠道获客的俱乐部平台,俱乐部资产规模在突破一千亿平台后,持续稳步增长;另一方面,与平安证券、平安好医生探索新业务模式,共同打造“私钻客群科技+金融+健康”的闭环经营体系。同时,本行对私钻客户权益进行了优化,首创“健康账户”服务理念覆盖至全客群,打造“金融+健康”服务体系,利用智能化服务平台,促进客户价值提升。
  (4)科技与业务的融合更趋紧密
  自2017年8月29日本行首家纯零售新门店“广州流花支行”正式开业以来,截至2018年3月末,已有21家新门店陆续开业,11家门店开业筹备中。在网点硬件不断加强的同时,网点客户经营与自助服务平台同步快速升级,两周一迭代,实时数据体系初步建成,OMO(ONLINE MERGE OFFLINE)线上线下工具融合联动,通过口袋银行支持客户线上实时与管户理财经理进行在线沟通,理财经理实时对接进行客户服务,线上直接完成咨询服务,或线下邀约进行深度服务。做实支行端到端经营管理场景闭环快速上线,AI应用工具逐步拓展优化,客户AI视图的上线支持理财经理进一步了解管户客户,整合客户标签,通过模型计算客户的价值和风险等级,挖掘客户商机,增加客户触点。
  2018年一季度,本行持续优化远程投顾平台,通过线上与线下联动的方式负责专业产品条线在网点的销售推动,实现了组合产品线的扩充,将银行理财与公募基金融合优化,成为业内首家将银行理财产品放入推荐组合的智能投顾银行;同时上线了一键优化配置功能,客户可根据财富诊断结果,一键完成资产配置。
  本行致力于将平安口袋银行APP打造成一站式综合金融移动服务平台。2018年3月末,APP累计用户4,672.7万户,APP月活客户数1,604.8万户。平安口袋银行继续采取敏捷开发模式,以快速推进版本迭代的方式不断优化,不断丰富产品功能。2018年一季度,本行上线财富诊断功能,通过综合客户的风险承受能力和现有的资产配置,智能引导客户进行合理的资产配置,购买与其风险承受能力匹配的产品,且在不同风险范围内为客户提供相应的明星产品,助力客户轻松实现财富升值;完成智能日添利升级,实现购买T+0立即起息,还支持转账、还款、网上支付、生活缴费、POS消费、ATM取款、理财产品购买等多种场景,为客户提供更加完善的服务;上线跨行扫码取款功能,支持在他行ATM上扫码取款,为客户线下取现提供更便捷的服务支持;整合信用卡商城和商户服务到口袋银行进行一站式搜索,为用户提供更为便捷的搜索体验;升级转账功能,实现支持他行卡对其他各家银行账户的转入转出,打破银行固有转账局限,真正满足用户全方位转账需求。
  3、对公做精力度持续加强
  2018年一季度,面对强监管、去杠杆的外部形势和行内战略转型的持续深入,本行继续践行“行业化、专业化、投行化、轻资本、轻资产”三化两轻的转型路线,构建“对公做精”新常态。
  业务向轻型模式转型:资产负债规模保持平稳,重点推动结构调整,负债业务从授信派生转向主动负债及“平台+产品+服务”结算留存,资产业务加速存量资产的盘活和增量资产的分流,通过资产出表加快资产转速,为公司获客、负债增长找到新动能。团队向行业化、专业化转型:大对公团队通过“二次重构”,组建行业化专营团队,致力打造一支专业化、标准化的精兵作战部队,聚焦重点行业做精做深。销售模式从单兵作战向团体作战转型:积极拥抱集团综合金融,全面推动营销模式变革,充分利用团金渠道,依托线上渠道销售简单、聚焦、爆款的标准化产品,依托线下客户经理和产品经理组建敏捷团队协同营销复杂产品。
  为切实提高资本回报水平,2018年一季度本行对高消耗低回报的业务与客户进行了压降。2018年3月末,对公贷款余额较上年末压降114亿元至8,438亿元,对公表外业务(银行承兑汇票、信用证及保函业务)余额较上年末压降223亿元至3,331亿元,对公风险加权资产余额较上年末压降297亿元至8,213亿元,同业风险加权资产余额较上年末压降264亿元至3,474亿元。
  (1)业务聚焦,做精做专精耕目标市场
  2018年一季度,本行聚焦体量大、弱周期、成长性好的十大行业(包括医疗健康、房地产、电子信息、交通运输、仓储物流、绿色环保、清洁能源、基础设施、文化教育、民生十大行业)和政府客户,通过“商行+投行+投资”的行业金融模式支持实体经济发展,通过“平台+产品+服务”模式为政府金融提供配套服务,并由五大行业事业部(电子信息、医疗健康、交通物流、房地产、能源)和政府金融事业部(筹备中)承接客户营销及服务职能。
  2018年3月末,行业事业部合计存款余额1,579.94亿元,管理资产余额4,513.12亿元,营业收入18.33亿元;政府客户存款余额2,854.45亿元,较年初增长9.1%。
  做专“双轻”模式围绕“三化两轻”战略目标,本行2018年着力由表内外授信的传统商行模式,转变成“承揽、承做、承销”的投行模式。围绕“商行+投行”做好四个核心工程:
  1)携手平安证券,深化银证战略合作;
  2)投行+私行,提升定制化投行服务能力;
  3)聚焦“十大行业+政府客户”投行业务;
  4)拓展社会资本,发展撮合业务。
  2018年一季度,债券承销、交易撮合、股权投资和银证战略合作等真投行四大业务发力点全面落地,开始进入增长轨道。全行合计实现债券承销规模507.30亿元,继续保持良好势头,市场份额由上年末的2.65%提升至4.37%。托管净值规模6.22万亿元,较上年末增长1.5%。贵金属业务自营及代理交易量位于股份制银行前列,2018年一季度新增平安金账户开户数55万户。
  精准管控风险继续加强全面风险管理体系,对新增授信按照风险政策严格执行,对存量问题资产进行专职清收,为对公经营减压增效。
  本行特殊资产事业部积极践行经营和双轻理念,创新问题资产清收处置模式,实行团队、区域、总部三级联动,同时借力大数据与移动运用搭建平安特殊资产管理系统(AMS),通过系统实现对公特殊资产处置过程流程全封闭管理,加快推进智能化清收步伐。2018年一季度,该事业部收回不良资产总额66.05亿元、同比增长295.0%。
  (2)科技创新,打造智能平台
  平台战略方面,本行借助科技力量,持续推进业务平台的优化升级与智能改造,进一步增强产品及服务能力,提升客户体验。
  1、保理云平台升级为供应链应收账款服务平台(SAS)。通过服务模式、风控手段的创新及金
  融科技的应用,持续优化平台功能,打造包括结算、融资、资产管理、交易撮合、风险控制等全流程一站式应收资产服务体系。2018年3月末,平台已上线保理商及上下游买卖方客户6,916户,累计出单量196.63亿。
  2、加快推进跨境E2.0平台建设与营销推广。不断丰富服务场景,扩大服务外延,以平台服务
  为驱动,构建“互联网+外贸”生态圈,为客户提供一站式跨境综合金融服务,以平台金融模式带动跨境业务双轻转型、快速增长。2018年一季度,平台累计线上交易规模1,389.30亿元,同比增长42.3%。
  3、积极推进中小企业服务平台建设。平台功能聚焦“1个App+1个账户+1套服务体系”,实现
  集中运营,同时借助数据挖掘、人工智能、风控模型,实现中小企业征信数据贷(KYB),为中小企业提供线上化、批量化、智能化的支付结算、理财增值和融资服务。
  4、持续推进“橙e网、行E通”平台影响力。2018年一季度,“橙e网”已为986个行业电商
  平台提供服务,较上年末增加29个,不断对外输出本行的数字化供应链金融体系行业标准,先行优势更加巩固。综合金融资产交易平台“行E通”的客户覆盖面持续扩大,平台累计合作客户1,996家,较上年末增加67家,同业渠道集聚效应明显。
  (3)综合金融
  本行积极借力集团综合金融,依托团体综合金融销售新模式,解决综合金融客户的营销技能、收益、协同及信息四大问题,更高效地为客户提供丰富的金融产品和服务,提升客户粘度。2018年一季度,本行为集团内投资系列推荐项目新增落地50个,新增落地项目出账资金规模400亿元;集团内专业公司在本行托管产品规模2.23万亿元,占银行整体托管规模的35.9%。
  4、资产质量稳中趋好
  本行积极应对外部风险、调整业务结构,将贷款投放到资产质量更好的零售业务,对公持续做精,同时,严格管控增量业务风险,对存量贷款进行全面排查、有序化解。
  2018年一季度本行计提的资产减值损失为106.71亿元、同比降幅14.2%,其中计提的贷款减值损失为102.26亿元;2018年3月末贷款减值准备余额为514.28亿元,较上年末增幅17.4%;拨贷比为2.90%,较上年末增加0.33个百分点;拨备覆盖率为172.65%,较上年末增加21.57个百分点;不良贷款率为1.68%,较上年末微降0.02个百分点。全行2018年一季度收回不良资产总额75.12亿元、同比增幅213.8%,其中信贷资产(贷款本金)70.13亿元;收回的贷款本金中,已核销贷款40.82亿元,未核销不良贷款29.31亿元;不良资产收回额中94.7%以上为现金收回,其余为以物抵债等方式收回。
  5、合理配置网点布局
  本行持续实施网点智能化建设,合理配置网点布局,截至2018年3月末,本行有70家分行、共1,066家营业机构。 收起▲