1、中国最卓越、全球领先的智能化零售银行，我们在路上。4公司简介和主要财务指标二一八年半年度报告 平安银行股份有限公司股票简称平安银行股票代码000001股票上市证券交易所深圳证券交易所公司的中文名称平安银行股份有限公司公司的中文简称平安银行公司的外文名称Ping An Bank Co., Ltd.公司的外文名称缩写PAB公司的法定代表人谢永林董事会秘书证券事务代表姓名周强吕旭光联系地址中国广东省深圳市深南东路5047号平安银行董事会办公室中国广东省深圳市深南东路5047号平安银行董事会办公室电话（0755）82080387（0755）82080387传真（0755）82080386（0755）8
2、2080386电子信箱 （二）联系人和联系方式一、公司简介（一）公司信息5公司简介和主要财务指标二一八年半年度报告 平安银行股份有限公司（三）其他情况1、公司联系方式1、公司联系方式公司注册地址，公司办公地址及其邮政编码，公司网址、电子信箱在报告期是否变化适用 不适用公司注册地址，公司办公地址及其邮政编码，公司网址、电子信箱报告期无变化，具体可参见2017年年报。2、信息披露及备置地点信息披露及备置地点在报告期是否变化适用 不适用公司选定的信息披露报纸的名称，登载半年度报告的中国证监会指定网站的网址，公司半年度报告备置地报告期无变化，具体可参见2017年年报。3、其他有关资料其他有关资料在报告
3、期是否变更情况适用 不适用6公司简介和主要财务指标二一八年半年度报告 平安银行股份有限公司（货币单位：人民币百万元）项 目2018 年6 月 30 日2017年12月31日2016年12月31日期末较上年末增减资产总额3,367,399 3,248,474 2,953,434 3.7%股东权益228,141 222,054 202,171 2.7%归属于普通股股东的股东权益208,188 202,101 182,218 3.1%股本17,170 17,170 17,170 -归属于普通股股东的每股净资产（元/股）12.13 11.77 10.61 3.1%项 目2018 年1-6 月2017年
4、1-6月2017年1-12月本期同比增减营业收入57,241 54,069 105,786 5.9%信用及资产减值损失前营业利润39,700 40,180 73,148 (1.2%)信用及资产减值损失22,298 23,716 42,925 (6.0%)营业利润17,402 16,464 30,223 5.7%利润总额17,367 16,432 30,157 5.7%归属于本公司股东的净利润13,372 12,554 23,189 6.5%扣除非经常性损益后归属于本公司股东的净利润13,326 12,512 23,162 6.5%经营活动产生的现金流量净额7,455 (128,180) (11
5、8,780)上年同期为负每股比率（元 / 股）：基本/稀释每股收益0.73 0.68 1.30 7.4%扣除非经常性损益后的基本每股收益0.73 0.68 1.30 7.4%每股经营活动产生的现金流量净额0.43 (7.47) (6.92)上年同期为负二、主要财务指标（一）主要会计数据和财务指标公司是否需追溯调整或重述以前年度会计数据是 否本行于2018年1月1日起执行新金融工具会计准则，根据新准则的衔接规定，本行无需重述前期可比数，首日执行新准则与原准则的差异调整计入期初未分配利润或其他综合收益，相关影响详见“第十一节 财务报告”中的“二、重要会计政策和会计估计37.重要会计政策变更的影响”
6、。7公司简介和主要财务指标二一八年半年度报告 平安银行股份有限公司（1）本行于2016年3月7日非公开发行200亿元非累积型优先股，在计算“每股收益”及“加权平均净资产收益率”时，分子均扣减了已发放的优先股股息。（2）本行于2017年年度报告执行企业会计准则第42号持有待售的非流动资产、处置组和终止经营和关于修订印发一般企业财务报表格式的通知关于列报的相关规定，在利润表的“营业收入”项目中单独列报“资产处置损益”项目。2017年半年度“营业收入”、“信用及资产减值损失前营业利润”及“营业利润”比较数据已相应进行调整，分别由540.73亿元、401.84亿元、164.68亿元调整为540.69亿
7、元、401.80亿元、164.64亿元。截至披露前一交易日的公司总股本（股）17,170,411,366 用最新股本计算的全面摊薄每股收益（元/股，2018年1-6月）0.73 截至披露前一交易日的公司总股本项 目2018 年1-6 月2017年1-6月2017年1-12月本期同比增减财务比率（%）：总资产收益率（未年化）0.40 0.41不适用-0.01个百分点总资产收益率（年化）0.79 0.81 0.71 -0.02个百分点平均总资产收益率（未年化）0.40 0.42 不适用-0.02个百分点平均总资产收益率（年化）0.81 0.83 0.75 -0.02个百分点加权平均净资产收益率（未
8、年化）6.13 6.21 不适用-0.08个百分点加权平均净资产收益率（年化）12.36 12.56 11.62 -0.20个百分点加权平均净资产收益率（扣除非经常性损益，未年化）6.11 6.19 不适用-0.08个百分点加权平均净资产收益率（扣除非经常性损益，年化）12.31 12.51 11.61 -0.20个百分点注：8公司简介和主要财务指标二一八年半年度报告 平安银行股份有限公司注：根据中国人民银行关于调整金融机构存贷款统计口径的通知（银发201514号），从2015年开始，非存款类金融机构存放在存款类金融机构的款项纳入“各项存款”、存款类金融机构拆放给非存款类金融机构的款项纳入“各
9、项贷款”统计口径。按此统计口径，2018年6月30日的各项存款为25,492亿元，各项贷款为18,956亿元。（货币单位：人民币百万元）存贷款情况项目2018 年6 月 30 日2017年12月31日2016年12月31日期末较上年末增减吸收存款 2,079,278 2,000,420 1,921,835 3.9%其中：企业存款1,673,508 1,659,421 1,652,813 0.8%个人存款405,770 340,999 269,022 19.0%发放贷款和垫款总额 1,848,693 1,704,230 1,475,801 8.5%其中：企业贷款849,767 855,195 9
10、34,857 (0.6%)一般企业贷款820,173 840,439 920,011 (2.4%)贴现29,594 14,756 14,846 100.6%个人贷款613,193 545,407 359,859 12.4%信用卡应收账款385,733 303,628 181,085 27.0%发放贷款和垫款损失准备(54,486) (43,810) (39,932) 24.4%发放贷款和垫款净值1,794,207 1,660,420 1,435,869 8.1%岥岥用 、 表示 的面积 . 60CnABC-在-此-卷-上-答-题-无-效-毕业学校_ 姓名_ 考生号_ _ _1 2018 Int
11、erim Report Summary of Ping An Bank I. Important Notes 1. This interim report summary (hereinafter referred to as the “Summary”) is extracted from the full text of the interim report (hereinafter referred to as the “2018 Interim Report” or the “Interim Report”). To comprehensively understand the ope
12、rating results, financial position and future development plans of Ping An Bank Co., Ltd. (hereinafter referred to as “Ping An Bank” or the “Bank”), investors should carefully read the full text of the Interim Report, which is available on the media designated by China Securities Regulatory Commissi
13、on. 2. The board of directors (hereinafter referred to as the “Board”), the supervisory committee, the directors, the supervisors and senior management of the Bank guarantee the authenticity, accuracy and completeness of the contents of the Interim Report, in which there are no false representations
14、, misleading statements or material omissions, and are severally and jointly liable for its contents. 3. The 19th meeting of the 10th session of the Board of the Bank deliberated the 2018 Interim Report and the Summary. The meeting required a quorum of 14 directors, and 14 directors attended the mee
15、ting. The Interim Report was approved unanimously at the meeting. 4. The 2018 Interim Financial Report prepared by the Bank is unaudited, but it has been reviewed by PricewaterhouseCoopers Zhongtian LLP. Notification of non-standard audit opinion Applicable Not applicable 5. Xie Yonglin (the Banks C
16、hairman), Hu Yuefei (the President), and Xiang Youzhi (the CFO/the head of the Accounting Department) guarantee the authenticity, accuracy and completeness of the financial report contained in the 2018 Interim Report. 6. Preliminary plans of profit distribution or conversion of capital reserve into
17、share capital deliberated by the Board during the reporting period: Applicable Not applicable There was no proposal to distribute cash dividends, issue bonus shares or to convert capital reserve to share capital for the first half of 2018. Proposal of the reporting period approved by the Board for p
18、rofit distribution for preference shares: Applicable Not applicable Time of distribution Dividend yield Amount of distribution (in RMB) (tax inclusive) Compliance with distribution requirements and relevant procedures Dividend payment method Accumulation of dividends Participation in retained earnin
19、gs 7 March 2018 4.37% RMB4.37 (inclusive of tax) per preference share as dividends Y Cash payment N N 2 II. Company profile Stock Abbreviation Ping An Bank Stock Code 000001 Traded on Shenzhen Stock Exchange Contact Information Secretary of the Board Representative of Securities Affairs Name Zhou Qi
20、ang Lv Xuguang Contact Address Board Office of Ping An Bank 5047 East Shennan Road, Shenzhen, Guangdong, the PRC Board Office of Ping An Bank 5047 East Shennan Road, Shenzhen, Guangdong, the PRC Facsimile (0755) 82080386 (0755) 82080386 Telephone (0755) 82080387 (0755) 82080387 E-mail III. Major f
21、inancial data (I) Major accounting data and financial indicators Whether the Company needs to adjust or restate retrospectively the accounting data for previous years Yes No The Bank started to adopt new accounting standards for financial instruments from 1 January 2018. Under the transitional provi
22、sions of new standards, the Bank is not required to restate comparatives and the adjustment of differences between original standards and first-day adoption of new standards is recorded into retained earnings at the beginning of the period or other comprehensive income. See “II. Summary of significa
23、nt accounting policies and accounting estimates 37 Effect of significant changes in accounting policies” in “Section XI Financial Report” for relevant impact. (In RMB million) Item 30 June 2018 31 December 2017 31 December 2016 Change at the end of the reporting period from the end of last year Tota
24、l assets 3,367,399 3,248,474 2,953,434 3.7% Shareholders equity 228,141 222,054 202,171 2.7% Shareholders equity attributable to ordinary shareholders 208,188 202,101 182,218 3.1% Share capital 17,170 17,170 17,170 - Net asset per share attributable to ordinary shareholders (RMB/share) 12.13 11.77 1
25、0.61 3.1% Item Jan. - Jun. 2018 Jan. - Jun. 2017 Jan. - Dec. 2017 Change at the reporting period from 3 the same reporting period of last year Operating income 57,241 54,069 105,786 5.9% Operating profit before impairment losses on credit and assets 39,700 40,180 73,148 (1.2%) Impairment losses on c
26、redit and assets 22,298 23,716 42,925 (6.0%) Operating profit 17,402 16,464 30,223 5.7% Profit before tax 17,367 16,432 30,157 5.7% Net profit attributable to shareholders of the Company 13,372 12,554 23,189 6.5% Net profit attributable to shareholders of the Company after deducting non-recurring ga
27、ins/losses 13,326 12,512 23,162 6.5% Net cash flows from operating activities 7,455 (128,180) (118,780) Negative amount for the same period of last year Ratio per share (RMB/share): Basic/diluted earnings per share (EPS) 0.73 0.68 1.30 7.4% Basic EPS after deducting non-recurring gains/losses 0.73 0
28、.68 1.30 7.4% Net cash flows from operating activities per share 0.43 (7.47) (6.92) Negative amount for the same period of last year Financial ratios (%): Return on total assets (unannualised) 0.40 0.41 N/A -0.01 percentage point Return on total assets (annualised) 0.79 0.81 0.71 -0.02 percentage po
29、int Average return on total assets (unannualised) 0.40 0.42 N/A -0.02 percentage point Average return on total assets (annualised) 0.81 0.83 0.75 -0.02 percentage point Weighted average return on net assets (unannualised) 6.13 6.21 N/A -0.08 percentage 4 point Weighted average return on net assets (
30、annualised) 12.36 12.56 11.62 -0.20 percentage point Weighted average return on net assets (net of non-recurring gains/losses) (unannualised) 6.11 6.19 N/A -0.08 percentage point Weighted average return on net assets (net of non-recurring gains/losses) (annualised) 12.31 12.51 11.61 -0.20 percentage
31、 point Note: (1) On 7 March 2016, the Bank issued non-cumulative preference shares of RMB20 billion in a non-public way. In calculating the “EPS” and “weighted average return on net assets”, numerators were net of the dividends on preference shares paid. (2) The Bank complied with provisions related
32、 to presentation in Accounting Standard for Business Enterprises No. 42 - Non-current Assets Held for Sale, Disposal Groups and Discontinued Operations and Circular on Amendment to Formats of Financial Statements of General Industry in the 2017 Annual Report, and separately included “gains or losses
33、 on disposal of assets” in “operating income” on the income statement. Comparatives of “operating income”, “operating profit before impairment losses on credit and assets” and “operating profit” for the first half of 2017 were respectively adjusted from RMB54,073 million to RMB54,069 million, RMB40,
34、184 million to RMB40,180 million, RMB16,468 million to RMB16,464 million. Total share capital of the Company as at the trading day prior to disclosure Total share capital of the Company as at the trading day prior to disclosure (in shares) 17,170,411,366 Fully diluted EPS calculated based on the lat
35、est share capital (RMB/share, accumulated from January to June 2018) 0.73 Information of loans and deposits (In RMB million) Item 30 June 2018 31 December 2017 31 December 2016 Change at the end of the reporting period from the end of last year Due to customers 2,079,278 2,000,420 1,921,835 3.9% Inc
36、luding: Corporate deposits 1,673,508 1,659,421 1,652,813 0.8% Personal deposits 405,770 340,999 269,022 19.0% Total loans and advances to customers 1,848,693 1,704,230 1,475,801 8.5% Including: Corporate loans 849,767 855,195 934,857 (0.6%) General corporate loans 820,173 840,439 920,011 (2.4%) Disc
37、ounted bills 29,594 14,756 14,846 100.6% Personal loans 613,193 545,407 359,859 12.4% Credit card receivables 385,733 303,628 181,085 27.0% Loss provision for loans and advances to customers (54,486) (43,810) (39,932) 24.4% 5 Net loans and advances to customers 1,794,207 1,660,420 1,435,869 8.1% Not
38、e: Pursuant to the Notice on Adjusting the Statistical Standards for the Deposits and Loans of the Financial Institutions by the Peoples Bank of China (Yin Fa 2015 No. 14), starting from 2015, the deposits placed by non-deposit financial institutions at deposit financial institutions are accounted f
39、or as “total deposits”, whereas the loans extended by deposit financial institutions to non-deposit financial institutions are accounted for as “total loans”. Based on the aforementioned statistical standards, as at 30 June 2018, the total deposits and the total loans amounted to RMB2,549.2 billion
40、and RMB1,895.6 billion, respectively. Non-recurring gains/losses During the reporting period, no items of non-recurring gains/losses as defined/stated pursuant to the Explanatory Announcement on Information Disclosure by Companies Publicly Offering Securities No. 1 - Non-recurring Gains/Losses were
41、defined as recurring gains/losses. (In RMB million) Item Jan. - Jun. 2018 Jan. - Jun. 2017 Jan. - Dec. 2017 Gains or losses on disposal of non-current assets 80 87 101 Gains or losses on contingency 1 - (1) Others (21) (32) (65) Income tax effect (14) (13) (8) Total 46 42 27 Note: The non-recurring
42、gains/losses shall refer to the meaning as defined in the Explanatory Announcement on Information Disclosure by Companies Publicly Offering Securities No. 1 Non-recurring Gains/Losses. (II) Supplementary financial ratios (Unit: %) Item Jan. - Jun. 2018 Jan. - Jun. 2017 Jan. - Dec. 2017 Change at the
43、 reporting period from the same reporting period of last year Cost/income ratio 29.66 24.76 29.89 +4.90 percentage points Credit costs (unannualised) 1.18 1.47 N/A -0.29 percentage point Credit costs (annualised) 2.37 2.94 2.55 -0.57 percentage point Deposit-loan spread (annualised) 3.81 4.13 3.99 -
44、0.32 percentage point Net interest spread (NIS) (annualised) 2.06 2.29 2.20 -0.23 percentage point Net interest margin (NIM) (unannualised) 1.12 1.22 N/A -0.10 percentage point Net interest margin (NIM) (annualised) 2.26 2.45 2.37 -0.19 percentage point Notes: Credit costs = credit provisions for th
45、e period / average loan balance (including discounted bills) for the period. In the first half of 2018, average loan balance (including discounted bills) of the Bank was RMB1,778,740 million (in the first half of 2017: RMB1,555,091 million). Net interest spread = average yield of interest-earning as
46、sets average cost rate of interest-bearing liabilities; Net interest margin = net interest income / average balance of interest-earning assets. (III) Supplementary regulatory indicators 6 (Unit: %) Item Standard level of indicator 30 June 2018 31 December 2017 31 December 2016 Liquidity ratio (RMB and foreign currency) 25 60.40 52.23 49.48 Liquidity ratio (RMB) 25 60.50 52.57 47.62 Liqui
