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8、ectetuer adipiscing elit. Maecenas feugiat consequat diam. Title hereAlone0000400004PPT文档20190415150349321165?D(氀匀脀翿氀讀缁缀薅螏頀h谀椀朂椃榃椃礃贃锃锃锃猃襞偧沖琀瑞瀀搀昀瀀椀挀最椀昀猀襞偧沖琀瑞瀀搀昀尀尀搀昀戀昀愀戀搀渀礀攀最夀砀最猀唀稀夀甀瘀搀爀匀氀樀甀椀氀匀樀一匀瘀砀渀戀眀眀眀昀嘀洀儀猀襞偧沖琀瑞挀戀戀愀愀搀挀昀愀挀戀昀贀j栀.猀襞璈儀趑倀缀薅刀茒平安银行股份有限公司2018年年度报告.pdfpic1.gif平安银行股份有限公司2018年年度报告.pdf2019-41517
9、486142-d882-4f29-b69f-a67b68747d53n/yeg8YxgsAUzMYuLFvd/rSljEuFilISj5NSvGx2An8bw0wwfLVm2Q=平安,银行,股份有限公司,2018,年年,报告2cb8b41aa1958dc1038587f84a0cbf17唀檍欓欔平安银行年度报告0001600004网络金融201904152258042201490 (氀匀脀翿氀讀缁缀薅螏戀茬平安银行股份有限公司2018年年度报告.pdfpic1.gif平安银行股份有限公司2018年年度报告.pdf2019-41517486142-d882-4f29-b69f-a67b68747
10、d53n/yeg8YxgsAUzMYuLFvd/rSljEuFilISj5NSvGx2An8bw0wwfLVm2Q=平安,银行,股份有限公司,2018,年年,报告2cb8b41aa1958dc1038587f84a0cbf17唀檍欓欔平安银行年度报告0001600004网络金融20190415225804220149(吀尀砀讀缁缀頀薇螏頀h谀椀异欙欙欙欙欙欙欙欙欙欙欙欙欙欙欙欙欙欙洙鉖呎冀啓瀀搀昀瀀椀挀最椀昀鉖呎冀啓瀀搀昀尀尀戀愀愀昀挀戀愀挀搀昀愀戀搀漀昀瘀栀瘀欀猀吀最猀昀樀戀礀堀攀昀倀倀倀昀娀爀伀爀椀洀儀鈀呎冀啓搀搀昀挀挀搀昀鉖呎冀啓鉖呎冀啓鉖呎冀潏渀琀攀爀渀攀琀兎鞋灎潏豬扥葑潏豠渀琀攀爀渀
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12、圀缀缀缀眀圀鄀圀缀唀缀茀刀眀脀蘀兎幢葜陶陶兎恢葓譫N扏虦渀琀攀爀渀攀琀萀啓鉖呎冀啓乾豭蝔葓啓葒獶兎譎葎敎夀娀獧豑卖舀趑楏欀匀貀轏鞋昀瘀兎敥救兎葿数啗兎葿恢兎葿恢啗豏兎葿恢兎罢葵獶敓愀挀倀唀渀椀砀嘀匀瘀獎桫儀葿斕蕎蕎蕎兗鞃葟潏敠萀兗鞃萀兗鞃趑潏萀兗鞃聹潏萀兗鞃萀兗鞃潏兎聹潏荫瑡徏兎譎葎譫獧譎夀鞋葎晓恵捷葫衶讍恢萀譫衏渀琀攀爀渀攀琀葧兎儀扙蝎潏搀侖潏鹙婓葐譶敷儀扙象煦渀琀攀爀渀攀琀啓葜鱙趖鈀呎冀西桛潏肕送椀挀鴀1毇儀4鄀磐胔-裄輀棙i缀$荙第2次中国互联网络发展状况统计报告.pdfpic1.gif第2次中国互联网络发展状况统计报告.pdf2019-4158050d1f5-0cae-4761-9db
13、f-ce88d19e1a9fqZIqr53ca4QTHtqsNjEKuuq4f83TRXz1Xt2NQp9+hg8ZBMGgjqI/gA=中国,互联网络,发展,状况,统计,报告150a3882c63a8ac8f114752b5b952fff尀暿欕欞互联网安全信息0001300005热门技术20190415230047677275D 6 March 2017. In calculating the “EPS” and “weighted average return on net assets” for 2017, numerators were net of the aforementione
14、d dividends on preference shares paid. 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 (shares) 17,170,411,366 Fully diluted EPS calculated based on the latest share capital (RMB/share) 1.30 Has
15、 the share capital ever changed and influenced the amount of the owners equity because of newly issued shares, additional issue, allotment, exercising of stock option, or repurchasing, etc. from the end of the reporting period to the disclosure date of the Annual Report? Yes No Whether there are cor
16、porate bonds Yes No 4 Quarterly financial indicators (In RMB million) Item First Quarter of 2017 Second Quarter of 2017 Third Quarter of 2017 Fourth Quarter of 2017 Operating income 27,714 26,355 25,762 25,955 Net profit attributable to shareholders of the Company 6,214 6,340 6,599 4,036 Net profit
17、attributable to shareholders of the Company after non-recurring gains/losses 6,212 6,300 6,618 4,032 Net cash flows from operating activities (115,008) (13,172) (29,807) 39,207 Have the above financial indicators or their totals differed significantly from the relevant financial indicators in the qu
18、arterly report and half-year report disclosed by the Company? Yes No Information of loans and deposits (In RMB million) Item 31 December 2017 31 December 2016 31 December 2015 Year-on-year change I. Deposits due to customers 2,000,420 1,921,835 1,733,921 4.09% Including: Corporate deposits 1,659,421
19、 1,652,813 1,453,590 0.40% Personal deposits 340,999 269,022 280,331 26.76% II. Total loans and advances to customers 1,704,230 1,475,801 1,216,138 15.48% Including: Corporate loans 855,195 934,857 774,996 (8.52%) General corporate loans 840,439 920,011 761,331 (8.65%) Discounted bills 14,756 14,846
20、 13,665 (0.61%) Personal loans 545,407 359,859 293,402 51.56% Credit card receivables 303,628 181,085 147,740 67.67% Provision for impairment of loans and advances to customers (43,810) (39,932) (29,266) 9.71% Net loans and advances to customers 1,660,420 1,435,869 1,186,872 15.64% Note: Pursuant to
21、 the Notice on the Statistical Standards for Adjusting 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 for as “Total D
22、eposits”, 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 31 December 2017, the total deposits and the total loans amounted to RMB2,436.5 billion and RMB1,7
23、30.4 billion, respectively. 5 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 defined as
24、 recurring gains/losses. (In RMB million) Item 2017 2016 2015 Year-on-year change Gains or losses on disposal of non-current assets 101 (178) (24) Negative in the previous year Gains/losses on contingency (1) 1 (1) (200.00%) Other non-operating income and expenses except the above items (65) 168 (24
25、) (138.69%) Income tax effect (8) 2 12 (500.00%) Total 27 (7) (37) Negative in the previous year Note: The non-recurring 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/Lo
26、sses. 2. Supplementary financial ratios (Unit: %) Item 2017 2016 2015 Year-on-year change Cost/income ratio 29.89 25.97 31.31 +3.92 percentage points Credit costs 2.55 3.37 2.56 -0.82 percentage point Deposit-loan spread 3.99 4.49 4.89 -0.50 percentage point Net interest spread (NIS) 2.20 2.60 2.62
27、-0.40 percentage point Net interest margin (NIM) 2.37 2.75 2.81 -0.38 percentage point Notes: Credit costs = credit provisions for the period / average loan balance (including discounted bills) for the period. In 2017, average loan balance (including discounted bills) of the Bank was RMB1,602.5 bill
28、ion (2016: RMB1,348.5 billion). Net interest spread = average yield of interest-earning assets average cost rate of interest-bearing liabilities; Net interest margin = net interest income / average balance of interest-earning assets. 6 3. Supplementary regulatory indicators (Unit: %) Item Standard l
29、evel of indicator 31 December 2017 31 December 2016 31 December 2015 Liquidity ratio (RMB and foreign currency) 25 52.23 49.48 54.29 Liquidity ratio (RMB) 25 52.57 47.62 52.14 Liquidity ratio (foreign currency) 25 55.41 99.04 103.30 Loan/deposit ratio including discounted bills (RMB and foreign curr
30、ency) N/A 83.58 75.21 69.01 Liquidity coverage ratio 90 98.35 95.76 140.82 Capital adequacy ratio 10.5 11.20 11.53 10.94 Tier one capital adequacy ratio 8.5 9.18 9.34 9.03 Core tier one capital adequacy ratio 7.5 8.28 8.36 9.03 Ratio of loans to the single largest customer to net capital 10 5.20 5.1
31、9 3.46 Ratio of loans to top 10 customers to net capital N/A 22.79 25.78 20.16 Ratio of accumulated foreign exchange exposure position to net capital 20 1.22 4.11 1.71 Pass loans flow rate N/A 5.20 7.14 6.92 Special mentioned loans flow rate N/A 30.41 37.56 29.13 Substandard loans flow rate N/A 73.6
32、9 43.83 49.42 Doubtful loans flow rate N/A 64.37 71.14 85.27 Non-performing loan (NPL) ratio 5 1.70 1.74 1.45 Provision coverage ratio 150 151.08 155.37 165.86 Provision to loan ratio 2.5 2.57 2.71 2.41 Note: Regulatory indicators are shown in accordance with the regulatory standards. Pursuant to th
33、e requirements of the Administrative Measures for Liquidity Risks of Commercial Banks (for Trial Implementation), the liquidity coverage ratio of commercial banks shall reach 100% by the end of 2018; during the transitional period, the liquidity coverage ratio shall reach 90% by the end of 2017. 7 I
34、V. Share capital and shareholders 1. Number of ordinary shareholders and preference shareholders with recovered voting rights, and shareholdings of top 10 shareholders (Unit: share) Total number of ordinary shareholders as at the end of the reporting period 343,994 Total number of ordinary sharehold
35、ers as at the end of the month before the disclosure date of the Annual Report 392,992 Total number of preference shareholders with recovered voting rights as at the end of the reporting period (if any) - Total number of preference shareholders with recovered voting rights as at the end of the month before the disclosure date of the Annual Report (if any) - Shareholdings of top 10 shareholders Name of shareholder Nature of shareholder Number of shares held at the end of the reporting perpa
