北京银行股份有限公司 BANK OF BEIJING CO., LTD. 二〇一五年半年度报告 （股票代码：601169） 二〇一五年八月 | | 释义 2 | | --- | --- | | 第一节 | 重要提示 2 | | 第二节 | 公司简介 2 | | 第三节 | 会计数据和财务指标摘要 4 | | 第四节 | 董事会报告 7 | | 第五节 | 重要事项 32 | | 第六节 | 股份变动及股东情况 34 | | 第七节 | 优先股相关情况 36 | | | 第八节 董事、监事、高级管理人员情况 36 | | 第九节 | 财务报告 37 | | 第十节 | 备查文件 37 | 北京银行股份有限公司 2015 年半年度报告 释义 在本报告中，除非文义另有所指，下列词语具有如下含义： | 文中 | 释义 | | --- | --- | | 本行、公司、本公司 | 北京银行股份有限公司 | | 章程、公司章程 | 北京银行股份有限公司章程 | | 央行、中央银行 | 中国人民银行 | | 银监会、中国银监会 | 中国银行业监督管理委员会 | | 证监会、中国证监会 | 中国证券监督管理委员会 | | 上交 ...

Financial Performance - Total profit for the year reached RMB 19,850 million, an increase of 18.05% compared to RMB 16,815 million in the previous year[15] - Net profit attributable to shareholders was RMB 15,623 million, reflecting a growth of 16.12% from RMB 13,454 million in 2013[18] - Operating income for the year was RMB 36,878 million, representing a 20.28% increase from RMB 30,659 million in 2013[18] - Basic earnings per share increased to RMB 1.48, up 16.12% from RMB 1.27 in the previous year[19] - The company reported a net increase in cash and cash equivalents of RMB 83,027 million during the year[15] - The net cash flow from operating activities was RMB 124,487 million, indicating strong liquidity management[15] - Net profit for the year was RMB 15.6 billion, representing a 16% increase compared to the previous year[33] - The company achieved a total profit of 19.9 billion RMB, with a net profit attributable to shareholders of 15.6 billion RMB, representing growth of 18% and 16% respectively compared to the previous year[78] Asset and Liability Management - As of December 31, 2014, total assets reached RMB 1.52 trillion, an increase of 14% compared to the previous year[22] - Total liabilities amounted to RMB 1,428.3 billion, an increase of RMB 169.8 billion or 13% from the previous year[89] - The company's equity increased to RMB 96.1 billion, reflecting a growth of 23% year-on-year[89] - The total assets of the company reached RMB 1,524.4 billion, an increase of RMB 187.7 billion or 14% compared to the beginning of the year[89] Loan and Deposit Growth - Total loans amounted to RMB 675.3 billion, reflecting a growth of 15% year-on-year[33] - Total deposits were RMB 922.8 billion, up 11% from the previous year[33] - The loan balance reached RMB 675.3 billion, with a year-on-year growth of 15%[91] - Company deposits reached 677.3 billion RMB, a year-to-date increase of 66.6 billion RMB, with a growth rate of 10.9%[39] - Retail loan balance reached 153.1 billion RMB, an increase of 27% year-to-date, representing 23% of total loans[35] - Retail deposits reached 184.2 billion yuan, up 11% year-over-year, while retail loan balances exceeded 150 billion yuan, growing by 27%[48] Risk Management - The company has implemented effective risk management measures to address various operational risks, including credit and market risks[8] - The non-performing loan ratio stood at 0.86%, maintaining a leading position among listed banks[34] - The provision coverage ratio was 324%, indicating strong risk resistance capabilities[34] - The bank has increased the provision for credit asset impairment to ensure adequate risk coverage[129] - The bank has implemented a three-tier risk management framework to enhance risk awareness and improve the quality of new business, focusing on emerging businesses and product innovation[129] Revenue Streams - Non-interest income reached 5.6 billion RMB, a year-on-year increase of 28%, accounting for 15% of total income[35] - The company’s net interest income for the year was 31.3 billion RMB, reflecting a year-on-year growth of 19%[84] - The company’s revenue from fees and commissions reached 5.17 billion RMB, showing a growth of 15.55% compared to the previous year[82] - The bank's investment business operating income was RMB 14.1 billion, with intermediary business income of RMB 300 million[61] Dividend Policy - The company plans to distribute a cash dividend of RMB 2.5 per 10 shares, along with 2 bonus shares for every 10 shares held[10] - In 2014, the company distributed a total of RMB 47.52 billion, including cash dividends of RMB 26.4 billion and stock dividends valued at RMB 21.12 billion[186] - The cash dividend payout ratio for 2014 was 16.9%, compared to 11.77% in 2013 and 30.15% in 2012, indicating a strategic adjustment in dividend policy[187] Customer and Market Expansion - The number of transaction banking customers reached 37,000, an increase of 7,750 customers, with transaction banking income growing by 82%[41] - The bank's retail business generated over 4 billion yuan in revenue, marking a 38% increase compared to the previous year[48] - The bank's electronic banking registered 1.63 million users, with 720,000 new registrations, and a transaction substitution rate of 92%[56] - The bank's private banking segment saw a 51% increase in qualified clients, reaching nearly 15,000 clients, with the establishment of new private banking centers in Shanghai and Beijing CBD[55] Strategic Initiatives - The bank plans to enhance its comprehensive financial service platform, integrating banking with insurance, funds, leasing, and consumer finance[178] - The bank aims to develop a multi-channel network, focusing on overseas expansion and regional strategies aligned with national initiatives like the Belt and Road[179] - The bank will leverage technology, including big data and cloud computing, to improve service capabilities and decision-making processes[180] Social Responsibility - In 2014, the company donated RMB 26.97 million to various social causes, representing an 81% increase year-on-year[189] - The company provided services to 100,000 small and micro enterprises, supporting the "mass entrepreneurship and innovation" trend[189] Audit and Compliance - The bank's 2014 financial report received a standard unqualified audit opinion from Ernst & Young[184] - The company appointed Ernst & Young Hua Ming as the auditor for the annual report prepared under domestic accounting standards, with a total audit fee of RMB 4.5 million[199] - The company received a public reprimand from the Shanghai Stock Exchange for not voting on proposals during the 2013 annual general meeting, violating relevant regulations[200]

Financial Performance - Net profit attributable to shareholders was RMB 4,986 million, representing a year-on-year growth of 10.26%[5] - Operating income for the quarter was RMB 10,625 million, up 20.31% from the same period last year[5] - Basic earnings per share increased to RMB 0.47, a rise of 10.26% compared to the previous year[5] - Net interest income reached CNY 8,242 million, up 22.9% from CNY 6,706 million year-over-year[31] - Investment income increased to CNY 200 million, up from CNY 148 million year-over-year, indicating improved performance in investment activities[31] Asset and Liability Management - Total assets reached RMB 1,527,860 million, an increase of 0.22% compared to the end of the previous year[5] - The total liabilities decreased to CNY 1,415,409 million from CNY 1,417,154 million at the start of the year[28] - The company's liabilities for bonds payable increased by 39.23% to 79.059 billion compared to the beginning of the year[17] - The bank's capital adequacy ratio was maintained at a healthy level, supporting future growth and expansion plans[31] Loan and Credit Quality - The loan total increased to RMB 7,064 billion, reflecting a growth of 4.61% since the beginning of the year[11] - The non-performing loan ratio stood at 0.93%, an increase of 0.07 percentage points from the beginning of the year[12] - The provision coverage ratio was 305%, maintaining a high level[12] - The bank's non-performing loan ratio remained stable, reflecting effective risk management strategies[31] - The company continues to enhance risk management and asset quality, focusing on differentiated credit policies[12] Customer and Market Growth - The total number of retail customers reached 12.666 million, an increase of 578,000, representing a growth of 4.8% compared to the beginning of the year[14] - The total number of shareholders was 247,264, with the top ten shareholders holding significant stakes[10] - The company opened 22 new branches, bringing the total number of branches to 347[16] - The company's direct banking registered customers exceeded 120,000, with WeChat followers increasing to 40,000[15] Cash Flow and Investment Activities - Net cash flow from operating activities decreased to -19,728 million RMB from 1,762 million RMB in the previous period, indicating a significant decline[36] - Cash inflow from investment activities totaled 73,217 million RMB, compared to 14,685 million RMB in the previous period, showing a substantial increase[36] - Cash outflow from investment activities rose to 90,747 million RMB from 29,761 million RMB, resulting in a net cash flow of -17,530 million RMB[36] - Cash flow from financing activities generated a net inflow of 20,431 million RMB, compared to a net outflow of 1,462 million RMB in the previous period[38] - The total cash and cash equivalents at the end of the period amounted to 154,293 million RMB, an increase from 73,836 million RMB year-over-year[38] Sector-Specific Financials - As of the end of Q1, the company's micro-enterprise RMB corporate loan balance reached 206.6 billion, an increase of 11.75 billion, representing a growth of 6% compared to the beginning of the year[13] - The balance of loans in the three major specialty financial sectors (technology, culture, and green finance) reached 107 billion, a year-on-year increase of 27 billion, with a growth rate of 34%[13] - The savings scale reached 189.1 billion, an increase of 5 billion, with a growth rate of 2.7%[14] Other Financial Metrics - The annualized return on assets was 1.31% and the annualized return on equity was 20.34%[11] - The company's derivative financial assets increased by 41.51% to 750 million compared to the beginning of the year[17] - The net increase in customer deposits and interbank placements was 17,972 million RMB, down from 35,539 million RMB year-over-year[36] - The impact of exchange rate changes on cash and cash equivalents was -46 million RMB, contrasting with a positive impact of 316 million RMB in the previous period[38]

Financial Performance - Net profit attributable to shareholders was RMB 12,592 million, representing a growth of 14.33% year-on-year[6] - Operating income for the first nine months was RMB 27,800 million, up 19.97% from the same period last year[6] - The company achieved a total profit of RMB 16.1 billion for the first three quarters, representing a year-on-year growth of 16%[17] - The net profit attributable to shareholders of the parent company was RMB 12.6 billion, a year-on-year increase of 14%[17] - The company’s diluted earnings per share increased by 14.42% to RMB 1.19[6] - Basic earnings per share improved to CNY 1.19, compared to CNY 1.04 in the same period last year, marking a growth of 14.4%[32] Asset and Liability Management - Total assets reached RMB 1,490,653 million, an increase of 11.51% compared to the end of the previous year[6] - Total liabilities increased to CNY 1,398,571 million from CNY 1,258,458 million, reflecting a growth of 11.1%[25] - The company reported a significant increase in other liabilities, which rose by 230.36% to RMB 14,744 million[11] - The total deposits amounted to RMB 906.6 billion, up RMB 72.1 billion, or 9% year-to-date[17] - The total loans reached RMB 668.7 billion, increasing by RMB 83.8 billion, or 14% from the beginning of the year[17] Cash Flow Analysis - Net cash flow from operating activities increased by 49.72% to RMB 34,240 million compared to the previous year[6] - Net cash flow from operating activities increased to CNY 34,240 million, up from CNY 22,869 million year-on-year, representing a growth of 49.5%[38] - Total cash inflow from investment activities reached CNY 208,947 million, significantly higher than CNY 74,286 million in the previous year, marking an increase of 181.5%[39] - Net cash flow from financing activities was CNY 4,969 million, a decrease of 71.5% compared to CNY 17,414 million in the same period last year[39] - The net increase in cash and cash equivalents was CNY 12,776 million, down from CNY 33,173 million year-on-year, indicating a decline of 61.5%[39] Income Sources - Interest income rose to RMB 54,512 million, a 30.95% increase year-on-year due to higher yielding assets[11] - Net interest income rose to CNY 22,871 million, an increase of 17.5% compared to CNY 19,535 million last year[32] - The non-interest net income was RMB 4.9 billion, a year-on-year increase of 36%, accounting for 18% of total operating income, up 2 percentage points year-on-year[18] Risk Management - The non-performing loan balance was RMB 5.1 billion, with a non-performing loan ratio of 0.76% and a provision coverage ratio of 336.57%[21] - The cost-to-income ratio remained low at 23%, demonstrating excellent cost control capabilities[20] Shareholder Information - The number of shareholders totaled 202,441, with the top ten shareholders holding a combined 58.12% of shares[9] Investment Performance - The bank's investment income was CNY 268 million, slightly down from CNY 299 million year-on-year[32] - Other comprehensive income totaled CNY 2,728 million, compared to a loss of CNY 1,283 million in the previous year[32]

北京银行股份有限公司 BANK OF BEIJING CO., LTD. 二〇一四年半年度报告 （股票代码：601169） 二〇一四年八月 | | | | | | 释义 第一节 重要提示 1.1 本公司董事会、监事会及董事、监事和高级管理人员保证半年度报告内 容的真实、准确、完整，不存在虚假记载、误导性陈述或重大遗漏，并承担个别及 连带责任。 1.2 本半年度报告（正文及摘要）于2014年8月27日，经本公司董事会审议通 过。 1.3 本公司半年度报告未经审计。 1.4 本半年度报告（正文及摘要）除特别说明外，均以人民币列示。 1.5 本公司董事长闫冰竹、行长张东宁、首席财务官杜志红保证半年度报告 中财务报告的真实、准确、完整。 1.6 本报告涉及未来计划等前瞻性陈述不构成本公司对投资者的实质承诺， 请投资者注意投资风险。 第二节 公司简介 2.3 董事会秘书：杨书剑 联系地址 ：北京市西城区金融大街丙 17 号北京银行大厦 联系电话 ：（86）10-66223826 2 在本报告中，除非文义另有所指，下列词语具有如下含义： 文中 释义 本行、公司、本公司 北京银行股份有限公司 章程、公司章程 北京银行股份有 ...

Financial Performance - Total profit for the reporting period reached RMB 16,821,262 thousand, an increase of 13.89% compared to the previous year[17]. - Net profit attributable to shareholders was RMB 13,459,308 thousand, reflecting a growth of 15.29% year-on-year[17]. - Operating income for the year was RMB 30,665,154 thousand, marking a 10.24% increase from the previous year[17]. - Basic earnings per share increased to RMB 1.53, up 10.98% from RMB 1.38 in the previous year[17]. - The net asset return rate rose to 17.23%, an increase of 0.93 percentage points compared to the previous year[17]. - Cash flow from operating activities generated a net amount of RMB 20,842,202 thousand[15]. - The company plans to distribute a cash dividend of RMB 1.8 per 10 shares, totaling RMB 15.84 billion, along with a bonus share distribution worth RMB 17.6 billion[10]. Asset and Liability Management - The company’s total assets at the end of the reporting period were RMB 1,200 billion, reflecting a stable growth trajectory[17]. - Total assets reached RMB 1,336,763,845, an increase of 19% compared to the previous year[20]. - Total deposits amounted to RMB 834,479,867, growing by 17% year-on-year[29]. - Total loans increased to RMB 584,861,833, reflecting an 18% growth from the previous year[29]. - The bank's total liabilities increased by RMB 210.2 billion or 20%, reaching RMB 1,258.46 billion[73]. Risk Management - The company has effectively managed various operational risks, including credit, market, liquidity, and operational risks[8]. - The bank's non-performing loan ratio was 0.65%, slightly up from 0.59% in the previous year[21]. - The capital adequacy ratio (group basis) decreased to 11.31% from 12.90% at the beginning of the year[25]. - The coverage ratio for loan loss provisions was 385.91%, down from 419.96% in the previous year[21]. - The bank's risk management faced increased pressure due to the implementation of new capital management measures starting January 1, 2013[58]. Customer and Market Growth - The number of technology finance customers reached 2,081, an increase of 624 customers, representing a growth of 43%; loan balance reached 44.2 billion yuan, growing by 28%[31]. - The number of cultural finance customers reached 1,237, with an addition of 354 customers, marking a growth of 40%; cultural creative loan balance reached 16.4 billion yuan, growing by 6%[31]. - The number of green finance customers reached 173, with an increase of 75 customers, representing a growth of 77%; loan balance reached 11 billion yuan, growing by 40%[31]. - The total number of retail online banking customers increased by 31%, mobile banking customers surged by 171%, and corporate online banking customers grew by 28%[31]. Investment and Financial Products - The bank's total investment in domestic and foreign currencies reached 259.8 billion yuan, growing by 18% compared to the beginning of the year[43]. - The bank's international business settlement volume was 55 billion USD, a growth of 34% year-on-year[43]. - The company achieved wealth management service fee income of RMB 447 million, representing a 110% increase compared to the previous year[140]. - The balance of wealth management products reached RMB 135.2 billion by the end of the reporting period, up 9% year-on-year[140]. Corporate Governance and Compliance - The company continues to engage PwC Zhongtian as the auditing firm for its annual report, with an audit fee of RMB 4.8 million for the reporting period[188]. - The internal control audit was also conducted by PwC Zhongtian, with an audit fee of RMB 1.5 million[188]. - There were no administrative penalties or public reprimands from the China Securities Regulatory Commission against the company or its executives during the reporting period[189]. - The bank's independent directors have expressed clear opinions supporting the profit distribution policy, safeguarding the rights of minority shareholders[175]. Future Outlook - The company expects net profit to exceed 14.5 billion yuan in 2014, with a growth rate of approximately 10%[172]. - Total assets are projected to grow by over 13% year-on-year[172]. - The non-performing loan ratio is targeted to be controlled below 1%[172]. - The company emphasizes the importance of transforming its business model to adapt to financial liberalization and marketization[167].

北京银行股份有限公司 BANK OF BEIJING CO., LTD. 2014 年第一季度报告 （股票代码：601169） 1.4 公司董事长闫冰竹、行长张东宁、财务总监杜志红保证本季度报告中财务报告的真实、完 整。 §2 主要财务数据及股东情况错误！未找到引用源。 二零一四年四月 | | | | §1 重要提示 | | 1 | | --- | --- | --- | | §2 公司基本情况简介 | | 1 | | §3 管理层讨论与分析 | | 2 | | §4 重要事项 | | 3 | | §5 附录 | | 5 | 北京银行股份有限公司 2014 年第一季度报告 §1 重要提示错误！未找到引用源。 1.1 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。 1.2 公司 2014 年第 2 次董事会审议通过了公司 2014 年第一季度报告。 1.3 公司第一季度财务报告未经审计。 2.1 会计数据及财务指标 （单位：人民币千元） | | 2014 年 3 月 31 日 | 2013 年 12 月 31 ...