意见反馈 手机随时随地看行情

公司公告

郑州银行:H股公告(二)2019-09-03  

						 鄭州銀行股份有限公司
 BANK OF ZHENGZHOU CO., LTD.
(於中華人民共和國註冊成立的股份有限公司)
 (A joint stock company incorporated in the People's Republic of China with limited liability)

 股份代號 Stock Code: 6196
 優先股股份代號 Preference Shares Stock Code: 4613




                                                 2019                     INTERIM REPORT
                                                                          中        期           報   告
此中報以環保紙印刷
      2

      3

      6

     11

     14

     76

     87

     89

     97

    100

    106




*
    重要提示




    2019    8   20                                  2019
                              12        12




                                             2019




         2019




2   鄭州銀行股份有限公司2019 中期報告
                                                           釋義




2018   2019   5   24




A                          1.00
                            002936

                       *                    1996     11   16




                                     2019 中期報告鄭州銀行股份有限公司   3
    釋義
    釋義




     H                                                                1.00
                                                                       6196




                                        2019      8   19




                                                                              59,550,000
                                            100                                            4613




                                        2019      1   1    2019   6   30




                                                                                       571

                                        A      H




4   鄭州銀行股份有限公司2019 中期報告
                                釋義
                                釋義




*   155




          2019 中期報告鄭州銀行股份有限公司   5
    第一章 公司簡介



    1


                                        Bank of Zhengzhou Co., Ltd.   BANK OF ZHENGZHOU




                                                                                 22
                                              +86-371-6700 9199
                                              +86-371-6700 9898
                                                  ir@zzbank.cn



                                                                                 22
                                             +86-371-6700 9199
                                             +86-371-6700 9898
                                                 ir@zzbank.cn
                                        A                     002936
                                        H                         6196
                                                               ZZBNK 17USDPREF   4613
                                        914100001699995779
                                        B1036H241010001
                                                                       22
                                        450018




6   鄭州銀行股份有限公司2019 中期報告
                                              第一章 公司簡介




                         248                 40
                                                  22
    +86-371-6700 9199
    +86-371-6700 9898
    ir@zzbank.cn
    www.zzbank.cn

       A                                                www.cninfo.com.cn
       H                                               www.hkexnews.hk



                     1                                 8



                    10              8

                                         A    38       45

    2018   9   19    2020      12   31



A
H




                                              2019 中期報告鄭州銀行股份有限公司   7
    第一章 公司簡介




    2

                                                          48                         1996 11
                                     2000    12                                      2009 10
                                            2015   12                     2018   9
                A+H
                      7




                                              4,676                 166              12        153
                                 1                      4,797.96                      1,775.57
                                                         4,402.80                     2,715.95
           12.74%                    2.39%               158.44%
           2019           1000                             227              18                       2019



    3




8   鄭州銀行股份有限公司2019 中期報告
第一章 公司簡介




2019 中期報告鄭州銀行股份有限公司   9
     第一章 公司簡介




     4      2019

            2019     2                           2018

            2019     3                                             2019



            2019     3                          2018

            2019     5

            2019     5                   2019              TOP50

            2019     6                   2018




10   鄭州銀行股份有限公司2019 中期報告
                             第二章 會計數據及主要財務指標摘要



1




                                                             6 30



                                            2019           2018                   (%)          2017



    (1)
                                          6,231,585      5,136,378              21.32       4,859,827
                                          3,058,914      3,036,601               0.73       3,007,725
                                          2,469,317      2,366,553               4.34       2,271,396
                                         (4,299,941)    (3,042,722)             41.32     (13,135,567)


          (2)
                                               0.42           0.44              (4.55)            0.43
                                               0.42           0.44              (4.55)            0.43


                                           6 30          12 31                              12 31
                                            2019           2018                    (%)        2017


                                        479,795,566    466,142,418               2.93    435,828,887
                                        177,557,152    159,572,792              11.27    128,456,478
                            (3)
                                          6,731,152      6,097,376              10.39      4,000,536
                                        440,280,452    428,278,919               2.80    402,389,522
                                        271,595,248    264,130,934               2.83    255,407,398
                                          5,921,932      5,921,932                  –     5,321,932
                                         39,515,114     37,863,499               4.36     33,439,365
                                         38,260,665     36,649,739               4.40     32,205,887
                                  (4)


                                               5.14           4.87               5.54           4.58
    (5)
                                         47,718,002     45,958,462               3.83     41,614,453
                      (5)
                                         38,140,611     36,618,138               4.16     32,262,545
                (5)
                                        374,558,345    349,504,822               7.17    307,474,718




                                                                      2019 中期報告鄭州銀行股份有限公司   11
     第二章 會計數據及主要財務指標摘要




                                                                         6 30      12 31                   12 31
                                                                          2019       2018                    2017


                          (%)
                                                     (5)
                                                                            8.07       8.22      (0.15)        7.93
                                        (5)
                                                                           10.18      10.48      (0.30)       10.49
                          (5)
                                                                           12.74      13.15      (0.41)       13.53
                                (%)
                          (6)
                                                                            2.39       2.47      (0.08)        1.50
                          (6)
                                                                          158.44     154.84       3.60       207.75
                          (6)
                                                                            3.79       3.82      (0.03)        3.11
                                        90                                 83.67      95.36    (11.69)       171.13
                                                                                      6 30

                                                                         2019       2018                    2017


                                (%)
                                                           (2)
                                                                           16.50      18.84      (2.34)       20.50
                                 (7)
                                                                            1.06       1.08      (0.02)        1.19
                          (8)
                                                                           26.66      26.99      (0.33)       22.60
                   (9)
                                                                            1.88       1.58       0.30         2.05
                                 (10)
                                                                            1.86       1.48       0.38         2.20
                                                                         6 30      12 31                   12 31
                                                                          2019       2018                    2017


                                (%)
                   (11)
                                                                            6.85       6.79        0.06        6.49
                          (11)
                                                                           39.63      56.39     (16.76)       61.72
                                 (11)
                                                                          172.91     304.42   (131.51)       225.20
                          (11)
                                                                           70.67      66.06        4.61       50.29
                                                           (11)
                                                                            3.98       4.13       (0.15)       3.12
                                                                  (11)
                                                                           22.37      21.46        0.91       22.01
                                                                  (11)
                                                                            6.04       6.02        0.02        4.66
                                              (11)
                                                                            2.19       8.81       (6.62)      10.35
                                              (11)
                                                                           20.18      55.14     (34.96)       58.55
                                              (11)
                                                                           76.97      76.71        0.26       29.46
                                              (11)
                                                                            0.65       0.14        0.51        0.07




12   鄭州銀行股份有限公司2019 中期報告
                         第二章 會計數據及主要財務指標摘要




    1.


    2.                                                9
                 2010           2019




    3.



    4.


    5.    2012   6   7


    6.




    7.


    8.


    9.



    10.


    11.



2




                                          2019 中期報告鄭州銀行股份有限公司   13
     第三章 管理層討論和分析



     1

            2019
                       450,933                      6.3%
                                     6.0%            2019                    0.5
                                                                        54.9%                 0.5
                                    60.3%                                                 60.1%
                                                                              299,100                5.8%
                          180,289                       5.7%                            61,609              10.9%
                2019                      0.9
            146,675                      3.9%            2019                  0.2

            2019



                                  213.26                        10.9%                      0.2
              13.23                                      3.18                    (M2)            192.14
            8.5%                           0.5                              145.97                   13%
            0.3                                  9.67                           6,440
                            1.7%     1.74%                         1.03    1.15




14   鄭州銀行股份有限公司2019 中期報告
                                          第三章 管理層討論和分析




2019
                     24,203.80           7.7%                      1.4
                                                 8.3%                         2.3
                                                        8.2%
2.4                                                      GDP              46.0%
       1.7       GDP             45.9%          0.9
               73.1%                     9.4%                    10.7%
       66.4%       9.2
                140.2%   18.1%                                              10.1%

2019




                                                      2019 中期報告鄭州銀行股份有限公司   15
     第三章 管理層討論和分析




     2


                                                                                        4,797.96
            2.93%                          2,715.95                2.83%                  1,775.57
              11.27%                                                               62.32                21.32%
                                 45.44                   21.73%              25.10                 5.34%
            1.86%                0.38                         26.66%          0.33
                                                 2.39%           0.08              90
            83.67%                       11.69                     158.44%             3.60




16   鄭州銀行股份有限公司2019 中期報告
              第三章 管理層討論和分析




          8




    1+N                         APP



E              E




                     2019 中期報告鄭州銀行股份有限公司   17
     第三章 管理層討論和分析




     3

            3.1




                                         62.32               21.32%                     25.10
                                 5.34%




                                                                      6   30
                                                   2019          2018                              (%)


                                                 3,939,595     2,821,624       1,117,971         39.62
                                                 2,291,990     2,314,754          (22,764)        (0.98)
                                                 6,231,585     5,136,378       1,095,207         21.32
                                                 1,716,342     1,429,585         286,757         20.06
                                                 1,485,424       696,523         788,901        113.26
                                                 3,029,819     3,010,270           19,549          0.65
                                                    29,095        26,331            2,764        10.50
                                                 3,058,914     3,036,601           22,313          0.73
                                                   548,880       653,836        (104,956)       (16.05)
                                                 2,510,034     2,382,765         127,269           5.34
                                                 2,469,317     2,366,553         102,764           4.34
                                                    40,717        16,212           24,505       151.15




18   鄭州銀行股份有限公司2019 中期報告
                                                      第三章 管理層討論和分析




3.1.1

                                           39.40                                  11.18
         39.62%            63.22%                                                            9.02
                                                           2.16




                                                         6 30
                                         2019                                  2018



                                   (5)
                                                         (%)             (5)
                                                                                                (%)



                          172,125,881     4,903,978      5.70   131,755,511    3,758,227       5.70
                          193,353,193     4,622,181      4.78   178,916,367    4,200,893       4.70
                           31,504,736       237,603      1.51    35,606,404      265,786       1.49
                    (1)
                           14,030,778       170,134      2.43    23,860,624      357,429       3.00
                           13,522,107       384,916      5.69    12,258,860      338,414       5.52
                          424,536,695    10,318,812      4.86   382,397,766    8,920,749       4.67

                          274,975,432     3,637,155      2.65   245,785,991    2,730,884       2.22
                    (2)
                           56,028,017       963,109      3.44    71,457,118    1,596,611       4.47
                           93,489,392     1,708,829      3.66    75,145,304    1,742,630       4.64
                            4,272,802        70,124      3.28     1,791,556       29,000       3.24
                          428,765,643     6,379,217      2.98   394,179,969    6,099,125       3.09
                                          3,939,595                            2,821,624
        (3)
                                                         1.88                                  1.58
              (4)
                                                         1.86                                  1.48




                                                                  2019 中期報告鄭州銀行股份有限公司   19
     第三章 管理層討論和分析




                           1.


                           2.


                           3.



                           4.


                           5.




20   鄭州銀行股份有限公司2019 中期報告
            第三章 管理層討論和分析




                     6   30
                  2019    2018

            (1)                       (2)                    (3)




     1,151,534                 (5,783)             1,145,751
       338,972                 82,316                421,288
       (30,617)                 2,434                (28,183)
      (147,250)               (40,045)              (187,295)
        34,873                 11,629                 46,502
     1,347,512                 50,551              1,398,063



       324,319             581,952                   906,271
      (344,742)           (288,760)                 (633,502)
       425,402            (459,203)                  (33,801)
        40,164                 960                    41,124
       445,143            (165,051)                  280,092




1.


2.


3.




                              2019 中期報告鄭州銀行股份有限公司    21
     第三章 管理層討論和分析




                                                 1.88%                        0.30                              1.86%
                                          0.38                                                          (1)
                                                                                            (2)



                    3.1.2

                                                               103.19                                        13.98
                                 15.67%




                            403.70                                    49.04                                   11.46
                                  30.49%




                                                                                 6 30
                                                               2019                                   2018

                                                                                 (%)                                    (%)


                                                 115,107,053     3,316,743       5.76    91,692,516     2,614,727       5.70
                                                  46,975,847     1,368,875       5.83    36,020,395     1,065,934       5.92
                                                  10,042,981       218,360       4.35     4,042,600        77,566       3.84
                                                 172,125,881     4,903,978       5.70   131,755,511     3,758,227       5.70




22   鄭州銀行股份有限公司2019 中期報告
                                                   第三章 管理層討論和分析




                                                            46.22
               4.21              10.03%
           144.37




                                                           1.70
                1.87




                                                   3.85                            0.47
                       13.74%
                       12.63

3.1.3

                                     63.79                           2.80
        4.59%




                                           36.37                       57.02%
                          9.06        33.19%




                                                          2019 中期報告鄭州銀行股份有限公司   23
     第三章 管理層討論和分析




                                                                        6 30
                                                        2019                                 2018

                                                                        (%)                                 (%)



                                           77,395,376     201,978       0.52    82,919,436     222,392      0.54
                                           90,217,194   2,090,763       4.63    78,934,033   1,717,969      4.35
                                          167,612,570   2,292,741       2.74   161,853,469   1,940,361      2.40



                                           19,466,495      69,670       0.72    17,063,940     43,673       0.51
                                           66,826,814   1,152,668       3.45    47,135,728    622,708       2.64
                                           86,293,309   1,222,338       2.83    64,199,668    666,381       2.08


                                           21,069,553    122,076        1.16    19,732,854    124,142       1.26


                                          274,975,432   3,637,155       2.65   245,785,991   2,730,884      2.22




                                                                                     9.63
                                   6.34        39.68%




                                                                    17.09                                0.34




                                                                        0.70                               0.41




24   鄭州銀行股份有限公司2019 中期報告
                                          第三章 管理層討論和分析




3.1.4

                                  22.92                                  0.23
          0.98%          36.78%                                          7.76
                  1.83                           15.16
        1.60




                                             6     30
                             2019           2018                                     (%)



                             573,216       652,304            (79,088)          (12.12)
                             121,764       228,347          (106,583)           (46.68)
                              67,249        61,117              6,132            10.03
                              65,488        46,071             19,417            42.15
                              12,768         6,152              6,616           107.54
                             840,485       993,991          (153,506)           (15.44)
                              64,909        35,415             29,494            83.28
                             775,576       958,576          (183,000)           (19.09)



                  7.76                           1.83                  19.09%




                                                        2019 中期報告鄭州銀行股份有限公司   25
     第三章 管理層討論和分析




                                                                            6    30
                                                                 2019     2018                            (%)


                                                              326,170     (71,054)       397,224      (559.05)
                                                            1,176,162   1,416,422       (240,260)       (16.96)
                                                               14,082      10,810          3,272         30.27


                                                            1,516,414   1,356,178       160,236         11.82


                                                             15.16                            1.60
                            11.82%

                    3.1.5

                                                                                      17.16
                                         2.87           20.06%                                10.48
                                                 2.46
                                   2019         1 1                     2016                               16

                                   60.41%                                   61.71%




26   鄭州銀行股份有限公司2019 中期報告
            第三章 管理層討論和分析




                6    30
  2019        2018                                     (%)


1,048,403    802,725           245,678              30.61
  237,150    147,843            89,307              60.41
   37,314     97,448           (60,134)            (61.71)
   24,759     27,132             (2,373)             (8.75)
   54,730     43,398            11,332              26.11
  313,986    311,039              2,947               0.95


1,716,342   1,429,585          286,757              20.06




                6    30
  2019        2018                                     (%)


 769,770     564,625           205,145             36.33
 125,397     110,743            14,654             13.23
   9,549       3,485             6,064            174.00
  83,200      74,580             8,620             11.56
  40,402      33,067             7,335             22.18
  20,085      16,225             3,860             23.79


1,048,403    802,725           245,678              30.61




                          2019 中期報告鄭州銀行股份有限公司   27
     第三章 管理層討論和分析




                    3.1.6

                                            14.85                           7.89
                            113.26%

                              10.08         5.05           100.30%




                                                       6    30
                                           2019      2018                              (%)


                                         1,008,260   503,387         504,873       100.30

                                          440,868    140,647         300,221       213.46



                                              284       (564)             848      (150.35)
                                           20,000     74,772         (54,772)        (73.25)
                                           17,316    (21,922)         39,238       (178.99)
                                           (1,304)       203           (1,507)     (742.36)


                                         1,485,424   696,523         788,901       113.26




28   鄭州銀行股份有限公司2019 中期報告
                             第三章 管理層討論和分析




3.1.7

                   5.49                               1.05
        16.05%      17.94%     25%




                                6     30
                  2019         2018                                     (%)


                  758,201     537,303           220,898              41.11
                 (305,423)    172,480          (477,903)           (277.08)
                   96,102     (55,947)          152,049            (271.77)


                 548,880      653,836          (104,956)            (16.05)




                                           2019 中期報告鄭州銀行股份有限公司   29
     第三章 管理層討論和分析




            3.2

                    3.2.1

                                                               4,797.96                  2018                             136.53
                                         2.93%




                                                        2019 6 30                 2018 12 31
                                                                     (%)                           (%)                         (%)



                                                  32,434,297         6.76 46,224,453              9.92   (13,790,156)         (3.16)
                                                   2,730,217         0.57   2,156,931             0.46        573,286          0.11
                                                   3,699,478         0.77   3,768,759             0.81         (69,281)       (0.04)
                                                      18,253            –    231,551             0.05       (213,298)        (0.05)
                                                     120,904         0.03   3,452,125             0.74     (3,331,221)        (0.71)
                                                 171,511,442        35.75 153,999,381            33.04    17,512,061           2.71



                                                  61,012,165        12.71   60,032,975           12.88       979,190          (0.17)

                                                  11,403,168         2.38   8,175,758             1.75     3,227,410           0.63
                                                 176,270,740        36.74 167,830,054            36.00     8,440,686           0.74
                                                  13,044,695         2.72 13,710,666              2.94      (665,971)         (0.22)
                                                     350,176         0.07     321,081             0.07        29,095              –
                                                   2,242,672         0.47   2,081,350             0.45       161,322           0.02
                                                   2,242,755         0.47   1,947,787             0.42       294,968           0.05
                                                   2,714,604         0.56   2,209,547             0.47       505,057           0.09


                                                 479,795,566    100.00 466,142,418              100.00   13,653,148




30   鄭州銀行股份有限公司2019 中期報告
                                              第三章 管理層討論和分析




                                                         1,775.57              2018
      179.84                 11.27%




                                      2019    6   30                    2018     12   31

                                                        (%)                                 (%)

      (1)
                             114,459,130               64.46   107,861,781               67.60
                              51,296,532               28.89    43,919,211               27.52
                              11,801,490                6.65     7,791,800                4.88

                             177,557,152           100.00      159,572,792             100.00

                                 612,966                            489,560
            (2)
                               6,658,676                          6,062,971

                             171,511,442                       153,999,381




1.


2.


(1)



                  1,144.59                                         64.46%         2018
                  65.97               6.12%




                                                               2019 中期報告鄭州銀行股份有限公司   31
     第三章 管理層討論和分析




                                                                   2019   6   30                 2018    12   31

                                                                                    (%)                            (%)

                                                          13,287,585           11.61        12,630,836         11.71
                                                          50,621,910           44.23        46,328,650         42.95
                                                          28,752,690           25.12        24,382,880         22.61
                                                          21,796,945           19.04        24,519,415         22.73

                                                         114,459,130          100.00       107,861,781        100.00


                           (2)

                                                                          512.97
                                         28.89%    2018                 73.77           16.80%
                                                      192.72         2018         15.78%
                                              221.13        2018           35.95%




                                                                   2019   6   30                 2018    12   31

                                                                                    (%)                            (%)


                                                           19,272,228              37.57    16,645,672         37.90
                                                           22,113,350              43.11    16,265,454         37.03
                                                            5,858,635              11.42     7,114,105         16.20
                                                            1,526,029               2.98     1,993,253          4.54
                                                            2,526,290               4.92     1,900,727          4.33


                                                           51,296,532          100.00       43,919,211        100.00




32   鄭州銀行股份有限公司2019 中期報告
                                              第三章 管理層討論和分析




(3)

                                              118.01               2018
      40.10            51.46%




                                                               2,493.40             2018
              131.75            5.58%




                                        2019 6 30                         2018 12 31

                                                        (%)                                 (%)


                                177,133,327            71.04      168,129,541             71.19

                                 11,194,365             4.49         8,002,724             3.39

                                 61,012,165            24.47       60,032,975             25.42


                                249,339,857         100.00        236,165,240            100.00


                                  1,513,704                         1,600,167
                                  2,167,488                         1,726,620
                                248,686,073                       236,038,787




                                                               2019 中期報告鄭州銀行股份有限公司   33
     第三章 管理層討論和分析




                                                2019 6 30                  2018 12 31

                                                              (%)                         (%)



                                          28,309,117         11.36    28,870,802        12.23
                                          35,612,444         14.28    36,828,489        15.59
                                           2,194,837          0.88     2,837,932         1.20
                                           6,851,883          2.75     8,261,101         3.50
                                          72,968,281         29.27    76,798,324        32.52
                                          92,483,728         37.09    76,963,156        32.59
                                          56,705,687         22.74    57,733,785        24.45
                                          27,173,761         10.90    24,661,575        10.44


                                         249,331,457        100.00   236,156,840    100.00


                                               8,400                       8,400


                                         249,339,857                 236,165,240




34   鄭州銀行股份有限公司2019 中期報告
                                        第三章 管理層討論和分析




                                             (%)


1    2016                3,250,000           3.33    2026/02/22               162.64
2    2016                2,490,000           3.33    2026/01/06               125.56
3    2016                2,200,000           3.24    2023/02/25               110.44
4    2016                1,900,000           3.32    2023/01/06                95.61
5    2015                1,510,000           3.86    2022/02/05                    –
6    2016                1,150,000           3.18    2026/04/05                58.55
7    2018                1,002,601           3.00    2019/09/17                    –
8    2016                1,000,000           3.37    2026/02/26                50.35
9    2016                1,000,000           2.75    2023/09/01                25.23
10   2016                1,000,000           3.28    2023/02/26                50.36




                           2019 6 30                             2018 12 31




                    –             –          –    3,019,808     164,337            –
                    –             –          –    3,431,600           –     (37,976)
                    –             –          –      200,000           –        (525)
            7,699,664         18,253     (77,313)   10,294,800      67,214            –


            7,699,664         18,253     (77,313)   16,946,208     231,551      (38,501)




                                                      2019 中期報告鄭州銀行股份有限公司    35
     第三章 管理層討論和分析




                    3.2.2

                                                                4,402.80                2018                       120.02
                                         2.80%




                                                        2019 6 30                2018 12 31
                                                                     (%)                       (%)                    (%)


                                                   5,197,523         1.18   4,196,194       0.98      1,001,329       0.20
                                                  19,594,468         4.45 27,398,665        6.40     (7,804,197)     (1.95)
                                                  13,742,459         3.12 13,652,888        3.19         89,571      (0.07)
                                                      77,313         0.02      38,501       0.01         38,812       0.01
                                                  21,905,063         4.97 18,956,133        4.43      2,948,930       0.54
                                                 274,732,252        62.40 267,758,206      62.52      6,974,046      (0.12)
                                                     668,905         0.15     428,752       0.10        240,153       0.05
                                                 101,030,940        22.95 93,649,019       21.87      7,381,921       1.08
                                                   3,331,529         0.76   2,200,561       0.50      1,130,968       0.26


                                                 440,280,452    100.00 428,278,919        100.00     12,001,533          –




36   鄭州銀行股份有限公司2019 中期報告
                              第三章 管理層討論和分析




                               2,715.95             2018
74.64   2.83%




                       2019 6 30                      2018 12 31

                                     (%)                                 (%)



                 84,411,734         31.08     82,621,581              31.28
                 78,291,015         28.83     83,458,939              31.60
                162,702,749         59.91    166,080,520              62.88



                 21,628,279          7.96      19,547,870              7.40
                 64,403,678         23.71      60,168,717             22.78
                 86,031,957         31.67      79,716,587             30.18


                 22,860,542          8.42      18,333,827               6.94


                271,595,248        100.00    264,130,934             100.00


                  3,137,004                     3,627,272


                274,732,252                  267,758,206




                                            2019 中期報告鄭州銀行股份有限公司   37
     第三章 管理層討論和分析




                    3.2.3

                                                                 395.15         2018                      16.52
                                             4.36%                             382.61             2018
                                         16.11       4.40%




                                                              2019 6 30                   2018 12 31

                                                                             (%)                            (%)



                                                        5,921,932          14.99     5,921,932            15.64
                                                        5,163,655          13.07     5,163,655            13.64
                                                        2,356,214           5.96     2,356,214             6.22
                                                        5,870,320          14.86     5,870,320            15.50
                                                           67,859           0.17        38,590             0.10
                                                          (43,862)         (0.11)      (44,492)           (0.12)
                                                       11,099,039          28.09     9,518,012            25.14
                                                        7,825,508          19.80     7,825,508            20.67


                                                       38,260,665          96.83    36,649,739            96.79


                                                        1,254,449           3.17     1,213,760             3.21


                                                       39,515,114         100.00    37,863,499           100.00




38   鄭州銀行股份有限公司2019 中期報告
             第三章 管理層討論和分析




3.2.4




                   2019                     2018
                  6 30                    12 31



                73,007,630              68,168,889
                 9,979,787               9,294,124
                 3,471,569               3,993,775
                 2,517,523               1,778,943


                88,976,509              83,235,731




        41




                     2019 中期報告鄭州銀行股份有限公司   39
     第三章 管理層討論和分析




            3.3



                                         42.48                  2.39%      2018           0.08



                    3.3.1




                                                 2019 6 30                   2018 12 31

                                                              (%)                           (%)

                                          169,046,800        95.21    150,934,330         94.59
                                            4,261,958         2.40      4,700,526          2.95
                                           2,200,391          1.24     2,859,261           1.79
                                           2,026,690          1.14     1,073,407           0.67
                                              21,313          0.01          5,268             –

                                         177,557,152     100.00      159,572,792      100.00


                                           4,248,394         2.39       3,937,936         2.47




40   鄭州銀行股份有限公司2019 中期報告
                                                      第三章 管理層討論和分析




3.3.2




                                  2019 6 30                                     2018 12 31

                                 (%)                   (%)                      (%)                  (%)



                51,215,150      28.84    1,767,319     3.45    55,266,716     34.64     1,951,014    3.53
                63,243,980      35.62    1,513,667     2.39    52,595,065     32.96     1,223,517    2.33


               114,459,130      64.46    3,280,986     2.87 107,861,781       67.60     3,174,531    2.94

                11,801,490       6.65            –       –    7,791,800       4.88            –      –

                19,272,228      10.86     587,756      3.05    16,645,672     10.43      498,639     3.00
                22,113,350      12.45      16,108      0.07    16,265,454     10.19       14,917     0.09
                 5,858,635       3.30     178,496      3.05     7,114,105      4.46      169,006     2.38
                 1,526,029       0.86     145,946      9.56     1,993,253      1.25       63,465     3.18
                 2,526,290       1.42      39,102      1.55     1,900,727      1.19       17,378     0.91


                51,296,532      28.89     967,408      1.89    43,919,211     27.52      763,405     1.74

               177,557,152     100.00    4,248,394     2.39 159,572,792      100.00     3,937,936    2.47




                       2.87%           2018             0.07
                                                                        1.89%          2018
        0.15




                                                                       2019 中期報告鄭州銀行股份有限公司     41
     第三章 管理層討論和分析




                    3.3.3




                                                          2019 6 30                                  2018 12 31

                                                         (%)                  (%)                     (%)                        (%)


                                          33,136,606    18.66   1,181,453     3.57    36,467,388    22.85     909,599         2.49
                                          15,353,026     8.65   1,733,742    11.29    14,407,170     9.03   1,911,745        13.27
                                           9,762,181     5.50      62,861     0.64    10,518,173     6.59      92,348         0.88
                                          23,175,466    13.05       1,635     0.01    18,098,412    11.34      32,235         0.18
                                           7,377,077     4.15      51,543     0.70     5,994,122     3.76      12,954         0.22

                                           9,070,876     5.11     14,376      0.16     8,119,439     5.09      12,400         0.15
                                           1,632,716     0.92    175,708     10.76     1,876,474     1.18      98,317         5.24
                                           2,135,600     1.20     11,491      0.54     1,927,392     1.21      10,000         0.52

                                           1,924,781     1.08           –       –    2,312,929     1.45           –           –
                                           1,357,869     0.76       3,350     0.25     1,477,051     0.92      50,000         3.39
                                             504,926     0.28      24,000     4.75       361,158     0.23       4,000         1.11
                                           1,741,347     0.98      10,000     0.57       287,210     0.18           –           –
                                           7,286,659     4.12      10,827     0.15     6,014,863     3.77      40,933         0.68


                                         114,459,130    64.46   3,280,986     2.87 107,861,781      67.60   3,174,531         2.94
                                          51,296,532    28.89     967,408     1.89 43,919,211       27.52     763,405         1.74
                                          11,801,490     6.65           –       – 7,791,800        4.88           –           –


                                         177,557,152   100.00   4,248,394     2.39 159,572,792     100.00   3,937,936         2.47


                                                                                          (1)       (2)
                                (3)            (4)                                           11.29% 10.76%               4.75%
                            3.57%




42   鄭州銀行股份有限公司2019 中期報告
                                               第三章 管理層討論和分析




3.3.4




                             2019 6 30                                  2018 12 31

                            (%)                 (%)                      (%)                   (%)


             20,814,053    11.72     168,005    0.81   20,781,632      13.02        72,205     0.35
             57,359,319    32.31   3,341,981    5.83   52,852,673      33.12     2,880,522     5.45
             66,316,775    37.35     633,498    0.96   54,390,463      34.09       860,413     1.58
             33,067,005    18.62     104,910    0.32   31,548,024      19.77       124,796     0.40


            177,557,152   100.00   4,248,394    2.39 159,572,792      100.00     3,937,936     2.47


3.3.5

                                                                                     10%




                                                                    2019 6 30

                                                                               (%)            (%)


        A                                       1,900,000                  1.07               3.98
        B                                       1,105,000                  0.62               2.32
        C                                       1,035,551                  0.58               2.17
        D                                       1,000,000                  0.56               2.10
        E                                         990,000                  0.56               2.07
        F                                         976,000                  0.55               2.05
        G                                         974,200                  0.55               2.04
        H                                         957,538                  0.54               2.01
        I                                         873,900                  0.49               1.83
        J                                         857,000                  0.48               1.80


                                               10,669,189                  6.00              22.37




                                                               2019 中期報告鄭州銀行股份有限公司      43
     第三章 管理層討論和分析




                    3.3.6




                                                                  2019 6 30                    2018 12 31

                                                                                 (%)                             (%)


                                                          171,111,738           96.37    152,523,448           95.58

                              1 90                         2,890,630            1.63      3,294,319             2.07
                              91   360                     2,234,199            1.26      2,087,694             1.31
                              361                          1,320,585            0.74      1,667,331             1.04
                                                           6,445,414            3.63      7,049,344             4.42


                                                         177,557,152        100.00      159,572,792           100.00




                                                               64.45        2018                       6.04
                                 8.57%                 3.63%    2018          0.79

                    3.3.7

                                                                        10.08
                                                9.70
                                         0.38                            2.74                                 3.66
                                                                            67.31
                                                           66.59
                                                               0.72




44   鄭州銀行股份有限公司2019 中期報告
第三章 管理層討論和分析




      2019                     2018
     6 30                    12 31


    6,062,971                4,328,284
      970,189                3,420,277
     (273,540)              (1,779,584)
      366,327                   93,994
     (467,271)                       –
    6,658,676                6,062,971




      2019                     2018
     6 30                    12 31


      34,405                     4,711
      38,071                    29,694
      72,476                    34,405




        2019 中期報告鄭州銀行股份有限公司   45
     第三章 管理層討論和分析




            3.4

                                                                   43.00    293.35
                                           8.72
                    336.35                                 3.85

                                                                  123.66    805.64
                                          39.37                                   929.29
                                                  136.21

                                                                  47.85    516.18
                                         59.11                                      468.33
                                                  23.54




46   鄭州銀行股份有限公司2019 中期報告
                   第三章 管理層討論和分析




                          6   30
              2019                  2018


          29,334,589          30,206,667                (872,078)
          33,634,530          33,249,389                 385,141
          (4,299,941)         (3,042,722)             (1,257,219)
          80,563,619          84,501,051              (3,937,432)
          92,929,288          79,308,177              13,621,111

         (12,365,669)          5,192,874             (17,558,543)
          51,618,165          45,706,861                5,911,304
          46,833,364          49,187,836               (2,354,472)

           4,784,801          (3,480,975)              8,265,776
               4,537              40,764                  (36,227)
         (11,876,272)         (1,290,059)            (10,586,213)


3.5




            2019 6 30                        2018 12 31

                           (%)                                  (%)


       2,408,855         38.66         2,562,049             49.88
        817,044          13.11        1,071,617              20.86
      2,991,604          48.01        1,491,902              29.05
         14,082           0.22           10,810               0.21


      6,231,585         100.00        5,136,378            100.00




                                   2019 中期報告鄭州銀行股份有限公司   47
     第三章 管理層討論和分析




            3.6

                                                                                        2019
                      1    1                 2018
                                                                 3

                                                                 23
                      2019     1   1




            3.7




                                         60,032,975   662,296         –      –   61,012,165
                                            231,551         –        –      –       18,253

                                          8,175,758         –   25,556    (284)   11,403,168
                                         68,440,284   662,296    25,556    (284)   72,433,586
                                             38,501       525         –      –       77,313
                                             38,501       525         –      –       77,313




48   鄭州銀行股份有限公司2019 中期報告
                                        第三章 管理層討論和分析




3.8   30%




                          6 30


               2019          2018           (%)


            3,939,595      2,821,624      39.62
              (64,909)       (35,415)     83.28
              326,170        (71,054)   (559.05)

               14,082         10,810     30.27



            (1,485,424)     (696,523)   113.26
                                                   90

               40,717        16,212     151.15




                                                        2019 中期報告鄭州銀行股份有限公司   49
     第三章 管理層討論和分析




                                           2019        2018
                                          6 30       12 31          (%)


                                          120,904    3,452,125   (96.50)



                                           77,313      38,501    100.81



                                           668,905     428,752    56.01      2018
                                         3,331,529   2,200,561    51.39    2019 1 1




                                           67,859      38,590     75.85




50   鄭州銀行股份有限公司2019 中期報告
           第三章 管理層討論和分析




4

    4.1




            2019          2018
           6 30         12 31                      (%)


          1,020,000    1,020,000                51.00
             30,120       30,120                50.20
             64,000       64,000                51.20
             25,500       25,500                51.00
             25,500       25,500                51.00
            104,000      104,000                18.53
             18,000       18,000                30.00
             17,280       17,280                25.00
              8,000        8,000                 0.27
                400          400                 1.29


          1,312,800    1,312,800                     –




                      2019 中期報告鄭州銀行股份有限公司   51
     第三章 管理層討論和分析




            4.2




            4.3




            4.4




            4.5




            4.6

                    4.6.1




                                                                  20                  51%



                                                    3



                                                         156.54               23.95
                                         130.45                        1.92
                              1.48                1.09




52   鄭州銀行股份有限公司2019 中期報告
                                      第三章 管理層討論和分析




                                                     6,000
50.2%




   6.09                 0.54                                 3.55
          4.51                                    0.11
 0.11             0.11




                                                    12,500
51.2%




                 6.53                   0.16
   3.79                        6.33                                       0.13
           0.22                       0.23




                                               2019 中期報告鄭州銀行股份有限公司   53
     第三章 管理層討論和分析




                                                                                            5,000
                           51%




                                                                                                      5.28
                                                  0.49                                    3.62
                                         4.46                                      0.13             0.08
                                                0.08




                                                                                            5,000
                           51%




                                                         4.09               0.45
                                 1.67                           3.63                                  0.06
                                                       71              71




54   鄭州銀行股份有限公司2019 中期報告
                                       第三章 管理層討論和分析




      4.6.2

                                 18.53%                            30.00%
                     25.00%                                         204.16
                              127.89                                178.55



              2009




      4.6.3




4.7

                                                42




                                              2019 中期報告鄭州銀行股份有限公司   55
     第三章 管理層討論和分析




     5




56   鄭州銀行股份有限公司2019 中期報告
                        第三章 管理層討論和分析




5.1

                                  2012
                         2018




                                    2019                  2018
                                   6 30                 12 31



                                  5,921,932            5,921,932
                                  5,163,655            5,163,655
                                     23,997                (5,902)
                                  2,356,214            2,356,214
                                  5,870,320            5,870,320
                                 11,099,039            9,518,012
                                    579,233              602,538
                                 31,014,390           29,426,769
                                   (775,457)            (714,478)
                                 30,238,933           28,712,291
                                  7,901,678            7,905,847
                                 38,140,611           36,618,138

                                  7,000,000             7,000,000
                                  2,422,669             2,179,647
                                    154,722               160,677
                                  9,577,391             9,340,324

                                 47,718,002           45,958,462
                                374,558,345          349,504,822
                  (%)                  8.07                 8.22
            (%)                       10.18                10.48
      (%)                             12.74                13.15




                                   2019 中期報告鄭州銀行股份有限公司   57
     第三章 管理層討論和分析




            5.2




                                                            2019          2019          2018             2018
                                                           6 30          3 31         12 31             9 30


                                                         39,624,410    39,049,910    37,906,989     38,666,795
                                                        578,299,950   591,270,708   558,245,642    540,919,431
                            (%)                                6.85          6.60          6.79           7.15


                                             2019           2018        2018
                           2015    4     1                                                  2015    1



     6

            6.1




                                             1,757.12                    59.97          3.53%




58   鄭州銀行股份有限公司2019 中期報告
                                      第三章 管理層討論和分析




                                                           1,262.61
      2018    106.07          9.17%

6.2




                       60
      2,700




                        ERP

                       150                 60




                                                2019 中期報告鄭州銀行股份有限公司   59
     第三章 管理層討論和分析




                                                          PC   APP
                                             86                  13




                                         e        7,310               6,893




                                                               APP




60   鄭州銀行股份有限公司2019 中期報告
                                              第三章 管理層討論和分析




6.3

      6.3.1




                                                                                 IC

                                       860.32         2018                      63.15
                       7.92%

      6.3.2




              512.97           2018   73.77           16.80%

      6.3.3




                                       569.47         2018             38.29



               383,355                        99.93                      0.75




                                                        2019 中期報告鄭州銀行股份有限公司   61
     第三章 管理層討論和分析




            6.4



                                                                                                        E




                                                              1,000
                    259.66                       13.78%                2.57              65,675
                          9,234

            6.5

                    6.5.1




                                                                                                  1,322.32
                                                              200.84            15.19%
                            887.63               67.13%                       218.97     16.56%
                                             14.88        1.12%                           118
                                         572.30




62   鄭州銀行股份有限公司2019 中期報告
                                  第三章 管理層討論和分析




6.5.2




        729.68
                                     1,763.63

6.5.3

                                                     55
                       (NAFMII)                  8
               (DFI)
         DFI                                                DFI       2019
                                           DFI
                       PPP




                                           2019 中期報告鄭州銀行股份有限公司   63
     第三章 管理層討論和分析




                    6.5.4



                                                  300

                                                              133.8              27.55%
                                   82.95         27.77%
                                                                                        70.37
                                         68.37                        7                   36.06
                                                          1                2
                                                  32.31
                                                                                   492.78
                                                        506.55                              51.35
                              11.28%

            6.6

                    6.6.1

                                                                                   12

                                                                          153           1
                                                 154                       108
                                                  24




64   鄭州銀行股份有限公司2019 中期報告
                                                   第三章 管理層討論和分析




6.6.2




                                       1,381                      284                       367
                  318                 250               162
                     369.91                  95.85                             97.27
              122.78                      1.25                   341.62




                                                                            18.97
          14.05%              294.4               42.99%                     503.56
            23.37%                                            120.29




        2,828            20.96%                109.33                25.17%
        4,383.9              43.34%                                             3.09




                                                                2019 中期報告鄭州銀行股份有限公司   65
     第三章 管理層討論和分析




                                                                                       24
                                12.94%   285.93               61.54%             394.55
                              29.54%                                   143




                             35.99           12.89%        3,584.2           76.98%
                           216.29           159.65%                               568.96




                                                   95097



                                CCCS                                                        214.15
                                          204.16             9.99




66   鄭州銀行股份有限公司2019 中期報告
                           第三章 管理層討論和分析




          100.9




                       +

                                  175.33                   91.24
                  459.76                                 64.52



7




    7.1




                                  2019 中期報告鄭州銀行股份有限公司   67
     第三章 管理層討論和分析




                                                         3.98%                  10%
                                                 6.04%                    15%
                                         106.69                  22.37%
                    8.74                       1.83%              8.30%
                    50%




68   鄭州銀行股份有限公司2019 中期報告
                  第三章 管理層討論和分析




7.2




      2019
             22



7.3




                         2019 中期報告鄭州銀行股份有限公司   69
     第三章 管理層討論和分析




            7.4




                                         2019




70   鄭州銀行股份有限公司2019 中期報告
                           第三章 管理層討論和分析




                39.63%                     25%
      172.91%            100%                        106.66%
                100%



7.5




                                  2019 中期報告鄭州銀行股份有限公司   71
     第三章 管理層討論和分析




            7.6




                                          19




            7.7




                                    LED




72   鄭州銀行股份有限公司2019 中期報告
                                                 第三章 管理層討論和分析




8



9

    9.1




    9.2

          9.2.1




          9.2.2

                                                   30,133
                  10,234                19,899                                5,438
                           5,426           12                                         2,340
                                   28                                        1,264




                                                            2019 中期報告鄭州銀行股份有限公司   73
     第三章 管理層討論和分析




                    9.2.3




                                         1.                 30,133
                                         2.         –
                                         3.         1,264

                                 1.                                  19,899
                                                                      28
                                 2.                 –
                                 3.                 –
                                 4.                 –
                                 5.                 –
                                 6.                 –
                                 7.                 –
                                 8.                 –
                                 9.                 –
                                                    –


                    9.2.4




                                              APP




74   鄭州銀行股份有限公司2019 中期報告
               第三章 管理層討論和分析




10




           +

     360




                      2019 中期報告鄭州銀行股份有限公司   75
     第四章 股本變動及股東情況



     1

            1.1




                                                      2018 12 31                                                            2019 6 30
                                                                (%)                                                                        (%)


                                             3,803,931,900     64.23     –     –   –          –            – 3,803,931,900          64.23
                      1                       504,133,149       8.51     –     –   –          –            –    504,133,149          8.51
                      2                      1,269,772,953     21.44     –     –   –          –            – 1,269,772,953          21.44
                      3                      2,030,025,798     34.28     –     –   –          –            – 2,030,025,798          34.28
                                             1,973,882,037     33.33     –     –   –   (761,254)      (761,254) 1,973,120,783         33.32
                                               56,143,761       0.95     –     –   –   761,254        761,254      56,905,015          0.96
                      4                                  –        –    –     –   –          –            –              –            –
                                                         –        –    –     –   –          –            –              –            –
                                                         –        –    –     –   –          –            –              –            –
                                             2,118,000,000     35.77     –     –   –          –            – 2,118,000,000         35.77
                      1                       600,000,000      10.13     –     –   –          –            –    600,000,000         10.13
                      2                                  –        –    –     –   –          –            –              –            –
                      3                      1,518,000,000     25.64     –     –   –          –            – 1,518,000,000          25.64
                      4                                  –        –    –     –   –          –            –              –            –
                                             5,921,931,900    100.00     –     –   –          –            – 5,921,931,900         100.00


                                                                5,921,931,900                         4,403,931,900                 A
                    1,518,000,000        H

            1.2




76   鄭州銀行股份有限公司2019 中期報告
                                                       第四章 股本變動及股東情況




2


                              2019      7   16          10

    1,000,000,000                   A                        6,000,000,000
                              A                                                 A
    22.71%                              16.89%                                   2019 9       3
        2019                                         2019      A                   2019
    H

                              (i)                                   (ii)
                 (iii)
                                                                                           2019
    7 17       2019      8   16                              2019   7      17           2019 8
    16                                           A




                                                                    2019 中期報告鄭州銀行股份有限公司   77
     第四章 股本變動及股東情況




     3



                                               145,342             A       145,285             H           57

                                      10




                                                   (%)                  (+ -)



                                           H      25.63 1,517,869,830   +1,000              – 1,517,869,830                  –
                                           A       8.29 490,904,755          –   490,904,755              –       220,900,000
                                           A       4.42 262,000,000          –   262,000,000              –       262,000,000
                                           A       4.22 250,000,000          –   250,000,000              –       124,999,990
                                           A       4.04 239,426,471          –   239,426,471              –    –           –
                                           A       3.82 226,000,000          –   226,000,000              –       135,600,000
                                           A       3.64 215,678,764          –   215,678,764              –    –           –
                                           A       3.36 199,046,474          –   199,046,474              –       149,500,000
                                           A       1.94 114,697,149          –   114,697,149              –    –           –
                                           A       1.69 100,000,000          –   100,000,000              –        25,000,000
                                                                                                                     75,000,000
                                           A       1.69   100,000,000        – 100,000,000                 –       49,990,000
                                 10


      10




78   鄭州銀行股份有限公司2019 中期報告
                                                   第四章 股本變動及股東情況




                10




                                              1,517,869,830               H     1,517,869,830
                                                  9,800,000               A         9,800,000
                                500
                                                    6,210,742             A           6,210,742
                                                    4,664,200             A           4,664,200
                                                    4,200,500             A           4,200,500
                                                    3,771,683             A           3,771,683
                                                    2,285,874             A           2,285,874
                                                    2,188,800             A           2,188,800
                                                    2,180,000             A           2,180,000
                                                    1,706,000             A           1,706,000
     10                                       10                                          10
          10                                                    10
     10




1.                   2019   6   30


2.
                                     H


               10                        10




                                                                 2019 中期報告鄭州銀行股份有限公司   79
     第四章 股本變動及股東情況




     4


                                                                           XV     2     3
                                                             336




                                                                                               (%)     (%)


                                                         A                (1)
                                                                                656,163,737   14.90   11.08
                                                         A                      262,000,000    5.95    4.42
                                                         A         (2)
                                                                                262,000,000    5.95    4.42
                                                         A         (2)
                                                                                262,000,000    5.95    4.42
                                                         A                      250,000,000    5.68    4.22
                                                         A         (3)
                                                                                250,000,000    5.68    4.22
                                                         A         (3)
                                                                                250,000,000    5.68    4.22
                                                         A         (3)
                                                                                250,000,000    5.68    4.22
                                                         A                      239,426,471    5.44    4.04
                                                         A         (4)
                                                                                239,426,471    5.44    4.04
                                                         A         (4)
                                                                                239,426,471    5.44    4.04
                                                         A                (5)
                                                                                329,195,683    7.48    5.56
                                                         A                      226,000,000    5.13    3.82
                                                         A         (6)
                                                                                226,000,000    5.13    3.82
                                                         A         (6)
                                                                                226,000,000    5.13    3.82
            China Goldjoy Securities Limited             H                      377,174,000   24.84    6.37

            Yunnan International Holding Group Limited   H                      227,362,623   14.98    3.84
            Yunnan Energy Investment (HK) Co. Limited    H         (7)
                                                                                227,362,623   14.98    3.84
            Yunnan Provincial Energy Investment Group    H         (7)
                                                                                227,362,623   14.98    3.84
              Co., Ltd
            Hong Kong Oriental Sage Limited              H                      223,000,000   14.69    3.77

            Oriental Sage Limited                        H         (8)
                                                                                223,000,000   14.69    3.77
                                                         H         (9)
                                                                                129,000,000    8.50    2.18
                                                         H         (9)
                                                                                129,000,000    8.50    2.18
                                                         H                      100,000,000    6.59    1.69
                                                         H         (10)
                                                                                100,000,000    6.59    1.69
                                                         H         (10)
                                                                                100,000,000    6.59    1.69




80   鄭州銀行股份有限公司2019 中期報告
                                                       第四章 股本變動及股東情況




                                                                                              (%)         (%)


                                                   H          (10)
                                                                             100,000,000      6.59       1.69
                                                   H          (10)
                                                                             100,000,000      6.59       1.69
                                                   H          (10)
                                                                             100,000,000      6.59       1.69
                                                   H          (10)
                                                                             100,000,000      6.59       1.69
                                                   H          (10)
                                                                             100,000,000      6.59       1.69

                                                   H          (10)
                                                                             100,000,000      6.59       1.69
                                                   H          (10)
                                                                             100,000,000      6.59       1.69
                                                   H   (11)
                                                                             100,000,000      6.59       1.69
Haitong International Financial Products           H                 (12)
                                                                             128,003,000      8.43       2.16
  (Singapore) Pte. Ltd.
Haitong International Securities Group             H                         128,003,000      8.43       2.16
  (Singapore) Pte. Ltd.                                       (12)


Haitong International Securities Group Limited     H                         145,003,000      9.55       2.45
                                                              (13)


Haitong International Holdings Limited             H                         145,003,000      9.55       2.45
                                                              (13)


Haitong Securities Co., Ltd.                       H                         145,003,000      9.55       2.45
                                                              (13)


CITIC Securities Company Limited                   H          (14)
                                                                             445,879,130     29.37       7.53
                                                   H          (14)
                                                                             395,593,866     26.06       6.68
Goncius I Limited                                  H   (15)
                                                                             115,501,859      7.61       1.95
                                                   H   (15)
                                                                             115,501,859      7.61       1.95
Huarong International Financial Holdings Limited   H   (16)
                                                                              90,957,714      5.99       1.54
China Huarong Asset Management Co., Ltd.           H          (16)
                                                                              90,957,714      5.99       1.54




                                                                            2019 中期報告鄭州銀行股份有限公司   81
     第四章 股本變動及股東情況




            1.        656,163,737                                                                                 490,904,755
                                                                 65,258,982                                          50,000,000
                                                             50,000,000




            2.
                                                          85%



            3.                                                                                    97.8%
                                                                                       90%      9%
                                          98%


                                                  18


            4.                                                                                                    58.97%   31.91%
                                                                                                     45.09%




            5.        329,195,683
                    89,769,212                                         239,426,471



            6.                                                                       50%    50%



            7.        227,362,623               Yunnan International Holding Group Limited                    Yunnan International
                    Holding Group Limited           Yunnan Energy Investment (HK) Co. Limited               40%            Yunnan
                    Energy Investment (HK) Co. Limited            Yunnan Provincial Energy Investment Group Co., Ltd
                                                       Yunnan Energy Investment (HK) Co. Limited          Yunnan Provincial Energy
                    Investment Group Co., Ltd                Yunnan International Holding Group Limited


            8.        223,000,000               Hong Kong Oriental Sage Limited                                        Hong Kong
                    Oriental Sage Limited                               Oriental Sage Limited
                                         Oriental Sage Limited                             Hong Kong Oriental Sage Limited



            9.                                                      99.83%
                      129,000,000




82   鄭州銀行股份有限公司2019 中期報告
                                                                   第四章 股本變動及股東情況




10.




                                51%    49%


                                                                                        60.76%


                                                         85%                                           70%




11.


12.   Haitong International Financial Products (Singapore) Pte. Ltd                 128,003,000
          Haitong International Financial Products (Singapore) Pte. Ltd.            Haitong International Securities
      Group (Singapore) Pte. Ltd.                 Haitong International Securities Group (Singapore) Pte. Ltd.
      Haitong International (BVI) Limited                                           Haitong International Securities
      Group (Singapore) Pte. Ltd.     Haitong International (BVI) Limited               Haitong International Financial
      Products (Singapore) Pte. Ltd


13.   17,000,000             Haitong International Financial Solutions Limited                    Haitong International
      Financial Solutions Limited      Haitong International (BVI) Limited
      Haitong International (BVI) Limited             Haitong International Financial Solutions Limited
                                Haitong International (BVI) Limited                     145,003,000
          Haitong International (BVI) Limited       Haitong International Securities Group Limited
      Haitong International Securities Group Limited        Haitong International Holdings Limited           63.08%
          Haitong International Holdings Limited         Haitong Securities Co., Ltd.
           Haitong International Securities Group Limited          Haitong International Holdings Limited       Haitong
      Securities Co., Ltd.              Haitong International Financial Products (Singapore) Pte. Ltd           Haitong
      International Financial Solutions Limited              145,003,000


14.   CITIC Securities Company Limited                                                   445,879,130     H
      395,593,866      H                     396,460,130       H             395,593,866      H



      5,197,584    H                                                           –
      391,262,546      H              395,593,866    H                         –




                                                                                     2019 中期報告鄭州銀行股份有限公司    83
     第四章 股本變動及股東情況




            15.     Goncius I Limited             115,501,859     H             115,501,859     H



                    115,501,859     H                                                      –
                    115,501,859     H                                                      –

            16.     Huarong International Financial Holdings Limited     Camellia Pacific Investment Holding Limited       51%
                             Camellia Pacific Investment Holding Limited      China Huarong International Holdings Limited
                             China Huarong International Holdings Limited          Huarong Real Estate Co., Ltd.
                                    Huarong Zhiyuan Investment & Management Co., Ltd.               88.10%   11.90%
                    Huarong Real Estate Co., Ltd.                                Huarong Zhiyuan Investment & Management
                    Co., Ltd.      China Huarong Asset Management Co., Ltd.                                               China
                    Huarong Asset Management Co., Ltd.                Huarong International Financial Holdings Limited
                                              90,957,714   H


                    90,957,714    H                                                        –



                                                                                                    336

     5



     6

            6.1                 5%       5%

                                                                 11410100005252522X
                                                   A           490,904,755                                            8.29%

                                                             A          165,258,982                   656,163,737     A
                                                       11.08%




84   鄭州銀行股份有限公司2019 中期報告
                                                       第四章 股本變動及股東情況




                                     1991       12     18                          1,200,000
                      914100001699542485
                                                                                                  A
        89,769,212                                              A           239,426,471
      329,195,683 A                                         5.56%




6.2

                                                        2018         1



                                              1998     12    31                        20,000
                      914101001699781784

       A      250,000,000                                           4.22%

                                   18




                                  2002   11   27                            365,000
             91410000169953018F

                                                   A          239,426,471
              4.04%




                                                                         2019 中期報告鄭州銀行股份有限公司   85
     第四章 股本變動及股東情況




                                                      2005       10   25                313,000
                                    91410100780545414U
                                                                                                  A
                    215,678,764                                       3.64%




                                                        2005     12   5               20,000
                               91410100783405337J

                         A         199,046,474                                3.36%




     7



     8

                                                 1,549,440,282                                    26.16%
                               109,281,830

     9




86   鄭州銀行股份有限公司2019 中期報告
                                                             第五章 優先股發行情況



1


    [2017]154                                        [2017]1736                          2017        10   18
                           11.91                      5.50%                                                     2017     10
      19                                                   ZZBNK 17USDPREF                    04613
                                 100                        20                           59,550,000



                                        2017    10   18
                                      78.60




2

                                                             1

                              10




                                                                 (3)

                                                              (%)


    The Bank of New York Depository                           100      59,550,000               –
      (Nominees) Limited



      10                    10                 10                                   10




                                                                                           2019 中期報告鄭州銀行股份有限公司   87
     第五章 優先股發行情況




            1.                            2019   6   30


            2.


            3.


     3



     4



     5



     6

                                                      22   37
                                                                9
                                     32




88   鄭州銀行股份有限公司2019 中期報告
                第六章 董事、監事、高級管理人員、
                               員工及機構情況

1




    1966 3            2011.3.9-2021.6.14     A    25,003    –    –   25,003     –     –      –
                      2005.12.16-2021.6.14
    1965 7            2012.4.5               –        –   –    –        –    –     –      –
                      2012.7.12-2021.6.14
    1963 9            2016.8.4-2021.6.14     –        –   –    –        –    –     –      –
                      2016.8.4-2021.6.14
    1966   5          2015.9.8-2021.6.14     –        –   –    –        –    –     –      –
    1963   7          2012.7.12-2021.6.14    –        –   –    –        –    –     –      –
    1963   6          2012.7.12-2021.6.14    –        –   –    –        –    –     –      –
    1968   8          2012.7.12-2021.6.14    –        –   –    –        –    –     –      –
    1950   4          2018.7.5-2021.6.14     –        –   –    –        –    –     –      –
    1958   8          2015.9.8-2021.6.14     –        –   –    –        –    –     –      –
    1967   5          2015.9.8-2021.6.14     –        –   –    –        –    –     –      –
    1971   11         2015.9.8-2021.6.14     –        –   –    –        –    –     –      –
    1968   1          2018.7.5-2021.6.14     –        –   –    –        –    –     –      –




                                                                 2019 中期報告鄭州銀行股份有限公司    89
     第六章 董事、監事、高級管理人員、員工及機構情況




                        1962 9           2016.6.17–2021.6.14   –       –   –   –       –   –   –   –
                                         2018.6.15–2021.6.14
                        1969   8         2015.6.18-2021.6.14    –       –   –   –       –   –   –   –
                        1963   3         2018.1.19-2021.6.14    –       –   –   –       –   –   –   –
                        1982   4         2017.5.19-2021.6.14    –       –   –   –       –   –   –   –
                        1968   12        2018.6.15-2021.6.14    A    6,309    –   –   6,309    –   –   –
                        1969   9         2018.6.15-2021.6.14    –       –   –   –       –   –   –   –




90   鄭州銀行股份有限公司2019 中期報告
            第六章 董事、監事、高級管理人員、員工及機構情況




1965   7             2012.4.5               –         –   –    –         –   –     –      –
1967   8             2012.2.6               –         –   –    –         –   –     –      –
1968   10            2015.12.30             A     37,320    –    –    37,320    –     –      –
1977   8             2018.2.28              –         –   –    –         –   –     –      –
1965   6             2018.2.28              –         –   –    –         –   –     –      –
1973   10            2019.3.29              –         –   –    –         –   –     –      –
                     2013.10.18
1973   8             2017.11.21             A     74,344    –    –    74,344    –     –      –
1976   6             2017.11.21             –         –   –    –         –   –     –      –
1973   2             2019.3.29              –    26,746    –    –    26,746    –     –      –
1978   3             2019.3.29              –         –   –    –         –   –     –      –
1972   4             2015.12.31             A      5,000    –    –     5,000    –     –      –
1970   10            2018.2.12              A    111,515    –    –   111,515    –     –      –
1967   11            2018.3.8               A     70,617    –    –    70,617    –     –      –
1963   4             2018.2.28–2019.5.5    A     10,647    –    –    10,647    –     –      –
                     2011.10.21–2019.5.5




                                                                 2019 中期報告鄭州銀行股份有限公司    91
     第六章 董事、監事、高級管理人員、員工及機構情況




     2




                                                    2019.3.29
                                                    2019.3.29
                                                    2019.3.29
                                                    2019.5.5


                         2019   1   27
                                                         2019    3 29
                                                                2019 1   28   2019   4   8

            2019     5    5
                                         2019   5   10

     3




92   鄭州銀行股份有限公司2019 中期報告
                第六章 董事、監事、高級管理人員、員工及機構情況




4

                                                                                     XV
                                                  352




                                                                   (%)               (%)


                 A                           25,003          0.00057            0.00042
                 A                      199,046,474             4.52               3.36
                 A                            6,309          0.00014            0.00011


                          199,046,474
          90%




5

    5.1

                        4,676               253                             4,929




                                                             640                    13%
                                                           1,359                    28%
                                                             401                     8%
                                                           1,357                    27%
                                                             191                     4%
                                                             981                    20%


                                                           4,929                 100%




                                                        2019 中期報告鄭州銀行股份有限公司   93
     第六章 董事、監事、高級管理人員、員工及機構情況




                    30                                 2,153    44%
                    31      40                         1,807    36%
                    41      50                           828    17%
                    50                                   141     3%


                                                       4,929   100%




                                                         920    19%
                                                       3,519    71%
                                                         398     8%
                                                          92     2%


                                                       4,929   100%


            5.2




            5.3




94   鄭州銀行股份有限公司2019 中期報告
    第六章 董事、監事、高級管理人員、員工及機構情況




6




                                                4,676      463,689,603
                            116
                  22
                                    50

         –                99                   3,443      398,615,952




                                17                286         5,431,527



               4A1-2 102
              3 301-309
                                10                159         7,359,450



                                7                 118         3,528,672
                  278
                                7                 120        11,804,686



                                7                   82        9,336,183




                                         2019 中期報告鄭州銀行股份有限公司   95
     第六章 董事、監事、高級管理人員、員工及機構情況




                                                     5   98   5,921,779



                                         A2B
                                                     3   64   3,993,936




                                                     3   49   2,224,233



                                         1-5
                                                     4   69   3,403,023



                                               1-2
                                                     1   59   2,644,575



                                                     1   44   4,208,488




                                                     1   38   2,521,177




                                                     1   47   2,695,922




                    2019    7   11




96   鄭州銀行股份有限公司2019 中期報告
    第七章 公司治理



1




2




       2019 中期報告鄭州銀行股份有限公司   97
     第七章 公司治理




     3




            2018                                   59.25%      2019      5   24            2019    5     24
                                                                                                                         (www.hkexnews.hk)

                                                                                                                           (www.zzbank.cn)
                                                                                           2019    5     25
                                                                                                                        (www.cninfo.com.cn)


            2019        5       24                                2018
                                                                                           2019
                                                        14




     4

                                               6                         45                                                18
            43                                           2                    3                                    2              9
                                        4                 8                            3                      16                       4
                            4                                 1                    1                                              2
                   2

     5

                                                    4                         11                                           1                3



     6


                                                                                                  2018
                                                                                                                                2019   3   29
                   2019         4 2     2019       4 30        2019 5 25               2019 7 25
                                2019   3 29         2019      4 2   2019 5             24   2019 7                 25                  2019
               4       30




98   鄭州銀行股份有限公司2019 中期報告
                第七章 公司治理




7




        2019




    5




               2019 中期報告鄭州銀行股份有限公司   99
      第八章 重要事項



      1

                2019 5 24                          2018                                        2019    6   18
                A        2019             6       4       H                             2018                 10
                    1.50                                         888,290

                         2019

      2

                     2014                                                  20                  5.73%              2024
             12    15

                     2016       12   19                                            30                               10
                                              5                            4.10%

                     2017       3    30                                            20                               10
                                              5                            4.80%

                  2017                                        1720065      2017    9    5
                      3                           4.70%



                  2019                                        1920043      2019    6    3
                      3                           3.70%



      3



      4



                                                  23.4
                  0.03

      5




100   鄭州銀行股份有限公司2019 中期報告
                                                第八章 重要事項




6




    6.1        5%   5%




                              1,200,000




    6.2




                                                      1%
                                          5%
                                 1%
                         5%
          12




                                               2019 中期報告鄭州銀行股份有限公司   101
      第八章 重要事項




             6.3

                             2018                                                               2019
                                                                                 2019



                     6.3.1




                             1                        25.00          15.50                                        4.20

                                                                                                                  2.10

                                                                                                                  1.70
                                                                                                                  0.50




                                                                                                               1.00
                             2                        29.00          22.00                                     8.74
                                                                                                               5.00
                                                                                                               1.80
                                                                                                               1.20
                                                                                                               5.26
                             3                        19.00          13.90                                    13.90

                             4                        20.00          11.90                                        5.00

                                                                                                                  3.00
                                                                                                                  1.90

                                                                                                                  2.00


                                          2018                                                             2019


                                                               0.5           1                         7
                                                              2019    4   30        2019    5   25
                                          2019   4   30                      2019    5     24



102   鄭州銀行股份有限公司2019 中期報告
                          第八章 重要事項




            6.3.2

                                     1
                           26.30



            6.3.3




7                   5%


                           5%




8




9


        2018



10

     10.1




     10.2




                         2019 中期報告鄭州銀行股份有限公司   103
      第八章 重要事項




             10.3




      11

                                                 2019   6   30




      12

                     2018
                                          2019              2019

      13



      14

                                                                   13.16




      15



      16




                     [2003]56




104   鄭州銀行股份有限公司2019 中期報告
                                                    第八章 重要事項




17



18




19



20



21

                 2019   7   16       10
     1,000,000,000               A        6,000,000,000




                                                  2019 中期報告鄭州銀行股份有限公司   105
                                               107   219
                                                            2019   6   30



                                                     34
               34




                                                           2410




                                                                   2019     6   30
                                          34




             10
               8

      2019    8    20




106   鄭州銀行股份有限公司2019 中期報告
            未經審計的合併損益及其他綜合收益表
                                 2019     6   30




                                   6    30
                                   2019                   2018



                                10,318,812             8,920,749
                                (6,379,217)           (6,099,125)


                           4     3,939,595             2,821,624


                                  840,485                993,991
                                  (64,909)               (35,415)


                           5      775,576                958,576


                           6       326,170               (71,054)
                           7     1,176,162             1,416,422
                           8        14,082                10,810


                                 6,231,585             5,136,378

                          9     (1,716,342)           (1,429,585)
                          10    (1,485,424)             (696,523)


                                 3,029,819             3,010,270

                          20        29,095                26,331


                                 3,058,914             3,036,601

                          11      (548,880)             (653,836)


                                 2,510,034             2,382,765




                                 2,469,317             2,366,553
                                    40,717                16,212


                                 2,510,034             2,382,765


116   219

                                  2019 中期報告鄭州銀行股份有限公司   107
      未經審計的合併損益及其他綜合收益表
           2019    6    30




                                                  6   30
                                                  2019         2018



                                                2,510,034    2,382,765




                                                  29,269        8,716



                                                      630      12,895
                                                      (28)      1,776


                                                  29,871       23,387


                                                2,539,905    2,406,152



                                                2,499,216    2,388,164
                                                   40,689       17,988


                                                2,539,905    2,406,152


                                           12         0.42        0.44


                116          219




108   鄭州銀行股份有限公司2019 中期報告
            未經審計的合併財務狀況表
                                      2019     6   30




                         2019                  2018
                        6 30                 12 31




                13    32,434,297           46,224,453
                14     2,730,217            2,156,931
                15     3,699,478            3,768,759
                27        18,253              231,551
                16       120,904            3,452,125
                17   171,511,442          153,999,381

                18    61,012,165           60,032,975
                18    11,403,168            8,175,758
                18   176,270,740          167,830,054
                19    13,044,695           13,710,666
                20       350,176              321,081
                21     2,242,672            2,081,350
                22     2,242,755            1,947,787
                23     2,714,604            2,209,547


                     479,795,566          466,142,418



                24     5,197,523            4,196,194
                25    19,594,468           27,398,665
                26    13,742,459           13,652,888
                27        77,313               38,501
                28    21,905,063           18,956,133
                29   274,732,252          267,758,206
                         668,905              428,752
                30   101,030,940           93,649,019
                31     3,331,529            2,200,561


                     440,280,452          428,278,919


116   219




                        2019 中期報告鄭州銀行股份有限公司   109
      未經審計的合併財務狀況表
      2019    6    30




                                                   2019           2018
                                                  6 30          12 31




                                          32     5,921,932      5,921,932

                                          35     7,825,508      7,825,508
                                          33     5,163,655      5,163,655
                                          33     2,356,214      2,356,214
                                          33     5,870,320      5,870,320
                                          33        67,859         38,590
                                          33       (43,862)       (44,492)
                                          34    11,099,039      9,518,012


                                                38,260,665     36,649,739
                                                 1,254,449      1,213,760


                                                39,515,114     37,863,499


                                               479,795,566    466,142,418


                        2019     8   20




                  116       219




110   鄭州銀行股份有限公司2019 中期報告
                                    2017 12 31                    5,321,932    7,825,508    3,054,869    2,054,756    5,520,320    (22,667)    (52,614)   8,503,783    32,205,887    1,233,478    33,439,365
                                                                          –           –           –           –           –     (1,266)         –    (890,801)     (892,067)     (62,891)     (954,958)


                                    2018 1 1                      5,321,932    7,825,508    3,054,869    2,054,756    5,520,320    (23,933)    (52,614)   7,612,982    31,313,820    1,170,587    32,484,407


                                                                          –           –           –           –           –         –         –    2,366,553     2,366,553      16,212      2,382,765
                                                       33(d)(e)           –           –           –           –           –     8,716     12,895             –       21,611       1,776         23,387


                                                                          –           –           –           –           –     8,716     12,895     2,366,553     2,388,164      17,988      2,406,152


                                    2018 6 30
                                                                  5,321,932    7,825,508    3,054,869    2,054,756    5,520,320    (15,217)    (39,719)   9,979,535    33,701,984    1,188,575    34,890,559


                                                 116   219
                                                                                                                                                                                                                2019
                                                                                                                                                                                                                6
                                                                                                                                                                                                                30




2019 中期報告鄭州銀行股份有限公司
                                                                                                                                                                                                                       未經審計的合併權益變動表




111
112
                                                                                                                                                                                                               2019
                                                                                                                                                                                                               6
                                                                                                                                                                                                               30




                                    2018 7 1                      5,321,932    7,825,508    3,054,869    2,054,756    5,520,320    (15,217)   (39,719)   9,979,535    33,701,984    1,188,575    34,890,559


                                                                          –           –           –           –           –        –          –    692,278       692,278       26,413       718,691




鄭州銀行股份有限公司2019 中期報告
                                                       33(d)(e)           –           –           –           –           –   53,807      (4,773)          –       49,034       (1,228)       47,806


                                                                          –           –           –           –           –   53,807      (4,773)    692,278       741,312       25,185       766,497
                                                                                                                                                                                                                      未經審計的合併權益變動表




                                       A                           600,000             –   2,108,786            –           –         –         –           –    2,708,786            –    2,708,786



                                                                          –           –           –    301,458            –          –         –    (301,458)            –           –            –
                                                                          –           –           –          –     350,000           –         –    (350,000)            –           –            –
                                                        34(b)             –           –           –          –           –          –         –    (502,343)     (502,343)           –     (502,343)


                                                                   600,000             –   2,108,786     301,458      350,000     53,807      (4,773)    (461,523)    2,947,755      25,185      2,972,940


                                    2018 12 31
                                                                  5,921,932    7,825,508    5,163,655    2,356,214    5,870,320    38,590     (44,492)   9,518,012    36,649,739    1,213,760    37,863,499


                                                 116   219
                                    2019 1 1                     5,921,932    7,825,508    5,163,655    2,356,214    5,870,320    38,590    (44,492)    9,518,012    36,649,739    1,213,760    37,863,499


                                                                         –           –           –           –           –        –        –     2,469,317     2,469,317      40,717      2,510,034
                                                      33(d)(e)           –           –           –           –           –   29,269       630              –       29,899         (28)        29,871


                                                                         –           –           –           –           –   29,269       630      2,469,317     2,499,216      40,689      2,539,905



                                           2018                          –           –           –           –           –        –         –     (888,290)     (888,290)           –     (888,290)


                                    2019 6 30
                                                                 5,921,932    7,825,508    5,163,655    2,356,214    5,870,320    67,859    (43,862)   11,099,039    38,260,665    1,254,449    39,515,114


                                                116   219
                                                                                                                                                                                                              2019
                                                                                                                                                                                                              6
                                                                                                                                                                                                              30




2019 中期報告鄭州銀行股份有限公司
113
           2019    6    30




                                              6   30
                                              2019           2018




                                           3,058,914      3,036,601

                                           1,485,424        696,523
                                             237,150        147,843
                                              27,165        254,973
                                                 115              2

                                             (153,397)      (462,997)
                                           (1,139,596)    (1,383,453)
                                              (29,095)        (26,331)
                                            1,708,829      1,742,630
                                           (4,622,181)    (4,164,384)

                                             573,328        (158,593)



                                              733,727       2,685,373
                                              675,106       7,204,457
                                            4,922,793        (491,997)
                                          (18,356,061)   (11,305,300)
                                            3,328,451      (5,735,273)
                                              661,880      (2,581,844)
                                             (395,813)        208,988

                                           (8,429,917)   (10,015,596)



                                              982,500           (550)
                                           (7,476,850)    (5,459,568)
                                            2,950,920      5,639,250
                                            7,464,314      7,705,327
                                              235,346        261,326


                                           4,156,230      8,145,785

                                           (3,700,359)    (2,028,404)
                                             (599,582)    (1,014,318)

                                           (4,299,941)    (3,042,722)


                116          219



114   鄭州銀行股份有限公司2019 中期報告
                            2019     6    30




                              6    30
                              2019                   2018




                           74,459,313           79,278,323
                                8,842                6,514
                          (92,456,139)         (79,031,368)
                            6,095,464            5,216,214
                             (473,149)            (276,809)


                          (12,365,669)            5,192,874




                           51,618,165           45,706,861
                          (44,220,987)         (46,944,776)
                           (1,724,087)           (2,243,060)
                             (888,290)                    –


                           4,784,801             (3,480,975)


                          (11,880,809)           (1,330,823)


1   1                     22,521,114            19,254,054

                                  4,537              40,764


6   30               36   10,644,842            17,963,995




                           6,816,531              5,084,877


                           (5,328,574)           (4,524,156)


         116   219




                             2019 中期報告鄭州銀行股份有限公司   115
      1


                                           [2000]64                      2009   10
                                                              22



                                                                       B1036H241010001
                                                           410000100052554



                2015    12            H                                         06196    2018   9
                        A                                           002936




                                               20

      2


                                          34

                          2019                                                             2018
                                                                    3

                                                      34




116   鄭州銀行股份有限公司2019 中期報告
2

                                                                                                   2018
     12   31




                          2410

3




                              16

               2019   1   1                      16                             IFRS 16

    IFRS 16




                  IFRS 16                                 IFRS 16                         2019     1    1
                                         2018                                                          17
                              IAS 17




                                                      4
     IFRIC 4                                                        IFRS 16
                                                                      IFRS 16



        IFRS 16
                                       IFRS 16                      IAS 17   IFRIC 4
                                                 2019       1   1
    IFRS 16




                                                                        2019 中期報告鄭州銀行股份有限公司   117
      未經審計的合併中期財務報表附註




      3

                                          16




                                               IFRS 16




             IFRS 16

                2019    1    1                           4.74       5.31

                                                                0




118   鄭州銀行股份有限公司2019 中期報告
3

                         16

    IFRS 16

                         2018      12   31                              2019 1       1
                                                                2019    1 1
                                                  4.00%




    2018   12       31                                565,004                548,270


    2019   1    1
                                                      565,004                548,270


    2019   1    1                                     474,214                458,724


                              23

                                             12




                                                      2019 中期報告鄭州銀行股份有限公司   119
      未經審計的合併中期財務報表附註




      4

                                                                          6   30
                                                                          2019          2018



                                                                         237,603       265,786
                                                                          94,517       214,405

                                                                        3,316,743    2,614,727
                                                                        1,368,875    1,065,934
                                                                          218,360       77,566
                                                                           75,617      143,024
                                                                        4,622,181    4,200,893
                                                                          384,916      338,414


                                                                       10,318,812    8,920,749



                                                                          (70,124)       (29,000)
                                                                         (752,116)   (1,313,583)
                                                                       (3,637,155)   (2,730,884)
                                                                         (210,993)     (283,028)
                                                                       (1,708,829)   (1,742,630)


                                                                       (6,379,217)   (6,099,125)


                                                                        3,939,595    2,821,624


             (a)

             (b)          2019     6      30
                                               103.19   2018   87.30




120   鄭州銀行股份有限公司2019 中期報告
5

                 6   30
                 2019                   2018



                573,216                652,304
                121,764                228,347
                 67,249                 61,117
                 65,488                 46,071
                 12,768                  6,152


                840,485                993,991

                (64,909)                (35,415)


                775,576                958,576


6

                 6   30
                 2019                   2018


          (a)   350,551                158,723
          (b)   (24,357)              (229,454)
                    (24)                  (323)


                326,170                 (71,054)


    (a)


    (b)




                2019 中期報告鄭州銀行股份有限公司   121
      未經審計的合併中期財務報表附註




      7

                                            6    30
                                            2019          2018


                                          1,093,267     1,371,660
                                             64,672         4,756

                                              1,200            –
                                            (19,543)       7,037
                                             36,566       32,969


                                          1,176,162     1,416,422


      8

                                            6    30
                                            2019          2018


                                                7,755      6,067
                                                1,331        971
                                                4,996      3,772


                                            14,082        10,810




122   鄭州銀行股份有限公司2019 中期報告
9

       6   30
       2019                   2018



      769,770                564,625
      125,397                110,743
        9,549                  3,485
       83,200                 74,580
       40,402                 33,067
       20,085                 16,225


     1,048,403               802,725

      237,150                147,843
       78,072                      –
      159,078                147,843
       37,314                 97,448
       24,759                 27,132
       54,730                 43,398
        9,452                      –
      304,534                311,039


     1,716,342             1,429,585

10

       6   30
       2019                   2018


      970,189                501,348

       38,071                  2,039
      440,868                140,647

          284                    (564)
       20,000                  74,772
       (1,929)                    769
          611                    (195)
           14                    (371)
       17,316                 (21,922)


     1,485,424               696,523

      2019 中期報告鄭州銀行股份有限公司   123
      未經審計的合併中期財務報表附註




      11

             (a)


                                                  6   30
                                                  2019         2018


                                                  758,201     537,303
                                          22     (305,423)    172,480
                                                   96,102     (55,947)


                                                 548,880      653,836


             (b)


                                                  6   30
                                                  2019         2018


                                                3,058,914    3,036,601

                                                      25%         25%


                                                  764,728     759,150
                                                    1,197       1,452
                                          (1)    (319,221)    (54,549)
                                                    6,074       3,730
                                                   96,102     (55,947)


                                                 548,880      653,836


                     (1)




124   鄭州銀行股份有限公司2019 中期報告
12

              6   30
               2019                  2018



            2,469,317             2,366,553


            2,469,317             2,366,553



            5,921,932             5,321,932

                  0.42                  0.44




13

               2019                 2018
              6 30                12 31


              739,300               663,758



     (a)   27,650,667           28,057,980
     (b)    3,656,929           16,788,883
              387,401              713,815
                    –                  17


           31,694,997           45,560,695


           32,434,297           46,224,453




             2019 中期報告鄭州銀行股份有限公司   125
      未經審計的合併中期財務報表附註




      13

             (a)



                                            2019         2018
                                           6 30        12 31


                                             10.0%        11.0%
                                              5.0%         5.0%




             (b)

      14




                                            2019         2018
                                           6 30        12 31



                                          2,298,014    1,843,680
                                                300        6,902


                                          2,298,314    1,850,582



                                           431,890      304,901


                                           431,890      304,901


                                          2,730,204    2,155,483

                                                188       1,609
                                               (175)       (161)


                                          2,730,217    2,156,931




126   鄭州銀行股份有限公司2019 中期報告
15

       2019                  2018
      6 30                 12 31



     2,915,507             2,078,177
       693,000             1,600,000

       83,449                 83,449


     3,691,956             3,761,626

         8,449                  7,449
          (927)                  (316)


     3,699,478             3,768,759




      2019 中期報告鄭州銀行股份有限公司   127
      未經審計的合併中期財務報表附註




      16

             (a)


                                           2019        2018
                                          6 30       12 31



                                          120,900      400,769
                                                –   3,048,582


                                          120,900    3,449,351

                                               40        4,739
                                              (36)      (1,965)


                                          120,904    3,452,125


             (b)


                                           2019        2018
                                          6 30       12 31


                                          120,900    3,449,351
                                               40        4,739
                                              (36)      (1,965)


                                          120,904    3,452,125




128   鄭州銀行股份有限公司2019 中期報告
17

     (a)


               2019                  2018
              6 30                 12 31



           109,756,427          103,257,436



            19,272,228           16,645,672
            22,113,350           16,265,454
             5,858,635            7,114,105
             1,526,029            1,993,253
             2,526,290            1,900,727


            51,296,532           43,919,211


           161,052,959          147,176,647



             4,702,703             4,604,345
            11,801,490             7,791,800


            16,504,193           12,396,145


           177,557,152          159,572,792

               612,966               489,560
            (6,658,676)           (6,062,971)


           171,511,442          153,999,381




              2019 中期報告鄭州銀行股份有限公司   129
      未經審計的合併中期財務報表附註




      17

             (b)


                                                        2019    6   30




                                           33,136,606          18.66%    14,531,990
                                           23,175,466          13.05%    14,367,769
                                           15,353,026           8.65%     3,731,284
                                            9,762,181           5.50%     5,123,980
                                            9,070,876           5.11%     3,378,950
                                            7,377,077           4.15%     3,369,423
                                            2,135,600           1.20%       874,182
                                            1,924,781           1.08%       444,565
                                            1,741,347           0.98%     1,570,577
                                            1,632,716           0.92%       629,110
                                            1,357,869           0.76%     1,168,644
                                              504,926           0.28%        89,500
                                            7,286,659           4.12%     1,269,663


                                          114,459,130          64.46%    50,549,637

                                           51,296,532          28.89%    39,324,666
                                           11,801,490           6.65%     9,509,479


                                          177,557,152          100.00%   99,383,782




130   鄭州銀行股份有限公司2019 中期報告
17

     (b)


                         2018   12   31




            36,467,388          22.85%        17,140,067
            18,098,412          11.34%        11,576,934
            14,407,170           9.03%         3,456,366
            10,518,173           6.59%         5,225,623
             8,119,439           5.09%         3,114,050
             5,994,122           3.76%         3,569,398
             2,312,929           1.45%           484,900
             1,927,392           1.21%           599,355
             1,876,474           1.18%           698,136
             1,477,051           0.92%         1,289,970
               361,158           0.23%            80,000
               287,210           0.18%           215,700
             6,014,863           3.77%         1,451,798


           107,861,781          67.60%        48,902,297

            43,919,211          27.52%        31,391,695
             7,791,800           4.88%         5,644,495


           159,572,792          100.00%       85,938,487




                           2019 中期報告鄭州銀行股份有限公司   131
      未經審計的合併中期財務報表附註




      17

             (c)


                                                                                               2019               2018
                                                                                              6 30              12 31


                                                                                         20,814,053            20,781,632
                                                                                         57,359,319            52,852,673

                                                                                         66,316,775            54,390,463
                                                                                         33,067,005            31,548,024


                                                                                     177,557,152              159,572,792


                                                                                            612,966               489,560
                                                                                         (6,658,676)           (6,062,971)


                                                                                     171,511,442              153,999,381


             (d)


                                                                      2019       6       30


                                                                             1
                                          3           3        1             3
                                              3               1                      3            3


                                            133,982         141,237           16,449                    –        291,668
                                          1,789,960       1,744,441          678,249              365,004       4,577,654
                                            438,163         306,482          163,241               76,972         984,858
                                            528,525          42,039           20,670                    –        591,234


                                          2,890,630       2,234,199          878,609              441,976       6,445,414



                                              1.63%          1.26%               0.49%                0.25%        3.63%




132   鄭州銀行股份有限公司2019 中期報告
17

     (d)


                                       2018    12      31


                                              1
           3           3        1             3
               3               1                   3              3


             159,795          60,911           10,980                   –         231,686
           1,800,337       1,689,914          854,083             254,175        4,598,509
             771,614         241,671          441,872              76,623        1,531,780
             562,573          95,198            6,098              23,500          687,369


           3,294,319       2,087,694      1,313,033               354,298        7,049,344



               2.07%          1.31%               0.82%               0.22%          4.42%




                                                            2019 中期報告鄭州銀行股份有限公司   133
      未經審計的合併中期財務報表附註




      17

             (e)


                                                            2019 6 30



                                               12




                                          151,651,136     4,943,251      4,458,572    161,052,959
                                           (2,328,023)   (1,414,157)    (2,916,496)    (6,658,676)



                                          149,323,113    3,529,094      1,542,076     154,394,283



                                           16,504,193             –             –    16,504,193



                                          165,827,306    3,529,094      1,542,076     170,898,476




134   鄭州銀行股份有限公司2019 中期報告
17

     (e)


                            2018 12 31



                12




           138,222,545     4,828,422          4,125,680      147,176,647
            (1,971,808)   (1,244,144)        (2,847,019)      (6,062,971)



           136,250,737    3,584,278           1,278,661      141,113,676



            12,396,145             –                  –     12,396,145



           148,646,882    3,584,278           1,278,661      153,509,821




                                        2019 中期報告鄭州銀行股份有限公司   135
      未經審計的合併中期財務報表附註




      17

             (f)

                     (i)


                                                              2019 6 30



                                                 12



                            2019 1 1           1,971,808    1,244,144     2,847,019     6,062,971

                                          12           –           –             –            –

                                                  (1,426)      1,501             (75)            –

                                                 (1,636)     (16,942)        18,578             –
                                                359,277      185,454        425,458       970,189
                                                      –           –      (740,811)     (740,811)
                                                      –           –       366,327       366,327


                            2019 6 30          2,328,023    1,414,157     2,916,496     6,658,676


                                                             2018 12 31



                                                 12



                            2018 1 1           1,534,700     656,690      2,136,894     4,328,284

                                          12      1,368        (1,368)             –            –

                                                 (52,196)     52,353            (157)            –

                                                (33,449)     (79,449)        112,898             –
                                                521,385      615,918       2,282,974     3,420,277
                                                      –           –     (1,779,584)   (1,779,584)
                                                      –           –         93,994        93,994


                            2018 12 31         1,971,808    1,244,144     2,847,019     6,062,971



136   鄭州銀行股份有限公司2019 中期報告
17

     (f)

           (ii)


                                        2019 6 30



                               12



                  2019 1 1     34,405       –                  –         34,405
                               38,071       –                  –         38,071


                  2019 6 30    72,476       –                  –         72,476


                                        2018 12 31



                               12



                  2018 1 1      4,711       –                  –          4,711
                               29,694       –                  –         29,694


                  2018 12 31   34,405       –                  –         34,405




                                                 2019 中期報告鄭州銀行股份有限公司   137
      未經審計的合併中期財務報表附註




      18

                                                    2019          2018
                                                   6 30         12 31


                                          (a)    61,012,165    60,032,975

                                          (b)    11,194,365     8,002,724
                                          (c)   174,965,839   166,402,921
                                                  1,513,704     1,600,167


                                                248,686,073   236,038,787


             (a)


                                                    2019          2018
                                                   6 30         12 31



                                          (1)    12,616,063    15,766,512



                                                  7,002,330     8,421,637

                                          (2)    41,393,772    35,844,826


                                                 61,012,165    60,032,975




138   鄭州銀行股份有限公司2019 中期報告
18

     (a)

           (1)


                    2019                  2018
                   6 30                 12 31



                  6,137,397             6,803,756
                  5,195,363             7,762,646
                    232,994               355,515
                  1,050,309               844,595


                 12,616,063           15,766,512



                  6,962,704             7,389,146
                  5,653,359             8,377,366


                 12,616,063           15,766,512


           (2)


                    2019                  2018
                   6 30                 12 31



                 18,304,292           18,160,278
                 16,269,619           11,291,672
                    230,000              500,314
                  6,589,861            5,892,562


                 41,393,772           35,844,826




                   2019 中期報告鄭州銀行股份有限公司   139
      未經審計的合併中期財務報表附註




      18

             (b)

                                                            2019             2018
                                                           6 30            12 31




                                                          4,556,877        3,050,827
                                                          6,314,130        4,629,504
                                                            314,958          313,993
                                                            208,803          173,034

                                                      11,394,768           8,167,358

                                                             8,400            8,400

                                                      11,403,168           8,175,758



                                                          5,730,946        3,474,207
                                                          5,455,019        4,520,117
                                                            208,803          173,034

                                                      11,394,768           8,167,358



                                                                 –               –
                                                             8,400            8,400

                                                             8,400            8,400




                                          12



                     2019 1 1                  625   –               –         625
                                               284   –               –         284

                     2019 6 30                 909   –               –         909




140   鄭州銀行股份有限公司2019 中期報告
18

     (b)




                        12



           2018 1 1           832          –                    –            832
                             (207)         –                    –           (207)


           2018 12 31        625           –                    –            625




     (c)


                                                   2019                   2018
                                                  6 30                  12 31


                                     (1)    49,166,253                 53,037,488
                                            76,214,109                 65,671,484
                                            31,169,065                 30,651,556
                                             9,449,500                 11,517,013
                                            11,134,400                  7,252,000


                                           177,133,327                168,129,541

                                                 1,304,901              1,427,133
                                     (2)        (2,167,488)            (1,726,620)


                                           176,270,740                167,830,054




                                                  2019 中期報告鄭州銀行股份有限公司   141
      未經審計的合併中期財務報表附註




      18

             (c)

                     (1)


                                             2019         2018
                                            6 30        12 31



                                          17,614,843   19,016,219
                                          24,102,951   24,536,776
                                           1,961,843    2,381,980
                                           5,486,616    7,102,513
                                             879,255    1,052,662


                                          50,045,508   54,090,150



                                          19,266,756   20,906,644
                                          29,899,497   32,130,844
                                             879,255    1,052,662


                                          50,045,508   54,090,150




142   鄭州銀行股份有限公司2019 中期報告
18

     (c)

           (2)




                                12



                 2019 1 1      876,837      420,000             429,783        1,726,620

                        12             –          –                  –              –

                                 (1,047)       1,047                   –              –

                                  (784)           –                784                –
                               272,820      223,953             (55,905)         440,868


                 2019 6 30    1,147,826     645,000             374,662        2,167,488




                                12



                 2018 1 1      763,134      335,562              61,967        1,160,663

                        12     213,005      (213,005)                  –              –

                                (24,218)     24,218                    –              –

                                  (8,280)   (122,557)           130,837                –
                                (66,804)     395,782            236,979          565,957


                 2018 12 31    876,837      420,000             429,783        1,726,620




                                                        2019 中期報告鄭州銀行股份有限公司   143
      未經審計的合併中期財務報表附註




      19

                                                                                             2019                    2018
                                                                                            6 30                   12 31


                                                                                        14,554,425                15,336,631
                                                                                        (1,257,772)               (1,382,456)


                                                                                        13,296,653                13,954,175


                                                                                            116,896                  105,345
                                                                                           (368,854)                (348,854)


                                                                                        13,044,695                13,710,666


             (1)


                                                       2019 6 30                                 2018 12 31




                     1                     6,903,011      (724,790)     6,178,221    6,165,509       (769,081)       5,396,428
                     1 2                   4,490,869      (302,869)     4,188,000    5,262,473       (406,557)       4,855,916
                     2 3                   2,111,413      (146,928)     1,964,485    3,004,304       (150,090)       2,854,214
                     3 5                     316,690       (23,294)       293,396      674,268         (44,829)        629,439
                     5                       732,442       (59,891)       672,551      230,077         (11,899)        218,178


                                          14,554,425     (1,257,772)   13,296,653   15,336,631      (1,382,456)     13,954,175




144   鄭州銀行股份有限公司2019 中期報告
19

     (2)


                                   2019 6 30




                         12



           2019 1 1     218,694    130,160                   –       348,854




                        (18,974)    18,974                   –             –
                        (27,833)    47,833                   –        20,000


           2019 6 30    171,887    196,967                   –       368,854


                                   2018 12 31




                         12



           2018 1 1     178,025          –                  –       178,025




                         (7,274)     7,274                   –             –
                         42,487    122,886                   –       165,373
                          5,456          –                  –         5,456


           2018 12 31   218,694    130,160                   –       348,854




                                              2019 中期報告鄭州銀行股份有限公司   145
      未經審計的合併中期財務報表附註




      20

             (a)




                                                       2019         2018         2019         2019
                                                      6 30        12 31         6 30         6 30
                                                              %            %            %


                                                        50.20        50.20          50.20      60,000        30,120
                                                        51.20        51.20          51.20     125,000        74,033
                                                        51.00        51.00          51.00   2,000,000     1,020,000
                                                        51.00        51.00          51.00      50,000        25,500
                                                        51.00        51.00          51.00      50,000        25,500


                                                                    2015       12     3
                     2016    3    23                                                        2017     11   6
                                          2017   11    14                                                 2017
                                                                               51.20%




146   鄭州銀行股份有限公司2019 中期報告
20

     (b)


                                             2019                  2018
                                            6 30                 12 31


                                            350,176                321,081


                                            350,176                321,081




                        2019         2018
                       6 30        12 31
                               %            %


                 (1)     18.53        18.53
                         30.00        30.00
                         25.00        25.00


           (1)




                                             2019                  2018
                                            6 30                 12 31



                                            350,176                321,081



                                             21,995                 52,170
                                                  –                     –
                                             21,995                 52,170




                                            2019 中期報告鄭州銀行股份有限公司   147
      未經審計的合併中期財務報表附註




      21




                2018    1    1            1,575,025     543,644      13,110     234,732      147,024     2,513,535
                                            317,856      93,372       2,251      28,876       30,043       472,398
                                                  –     (7,102)     (1,255)       (797)           –       (9,154)


                2018    12       31       1,892,881     629,914      14,106     262,811      177,067     2,976,779
                                            132,507      46,684           –     11,445       73,020       263,656
                                                  –     (9,018)     (2,708)    (16,183)           –      (27,909)


                2019    6    30           2,025,388     667,580      11,398     258,073      250,087     3,212,526



                2018    1    1             (209,410)    (326,403)    (10,963)   (149,429)           –    (696,205)
                                             (50,000)   (104,581)       (747)     (48,355)          –    (203,683)
                                                   –      6,541       1,193          729           –       8,463


                2018    12       31        (259,410)    (424,443)    (10,517)   (197,055)           –    (891,425)
                                             (29,603)     (49,028)      (483)     (21,120)          –    (100,234)
                                                   –       8,275      2,572       14,962           –      25,809


                2019    6    30            (289,013)    (465,196)     (8,428)   (203,213)           –    (965,850)



                2018    1 1
                2018    12 31
                2019    6 30                 (1,355)      (1,893)          –       (756)           –        (4,004)



                2018    12       31       1,632,116     203,578       3,589       65,000     177,067     2,081,350


                2019    6    30           1,735,020     200,491       2,970       54,104     250,087     2,242,672


                  2019      6    30                                               2.86       2018   12   31
                  2.90




148   鄭州銀行股份有限公司2019 中期報告
21




                                                      2019                  2018
                                                     6 30                 12 31



           10   50                                  1,731,157             1,627,951
                10                                      3,863                 4,165


                                                    1,735,020             1,632,116


22

     (a)


                        2019      6   30                  2018     12   31




                     9,066,948         2,266,737      8,016,396           2,004,099
                       201,952            50,488        184,780               46,195
                      (429,128)         (107,282)      (565,980)           (141,495)
                       254,136            63,534        236,820               59,205
                      (122,888)          (30,722)        (80,868)            (20,217)


                     8,971,020         2,242,755      7,791,148           1,947,787




                                                     2019 中期報告鄭州銀行股份有限公司   149
      未經審計的合併中期財務報表附註




      22

             (b)


                                            2018                                    2019
                                          12 31                                    6 30


                                          2,004,099     262,638             –    2,266,737
                                              46,195      4,503          (210)       50,488
                                           (141,495)     34,868          (655)     (107,282)
                                              59,205      4,329             –       63,534
                                             (20,217)   (10,505)            –      (30,722)


                                          1,947,787     295,833          (865)    2,242,755


                                            2018                                    2018
                                            1 1                                   12 31


                                          1,356,246      647,853             –   2,004,099
                                             50,306         (1,405)     (2,706)       46,195
                                             79,482     (207,508)     (13,469)     (141,495)
                                             64,163         (4,958)          –       59,205
                                                150           (150)          –            –
                                                  –      (20,217)           –      (20,217)


                                          1,550,347     413,615       (16,175)    1,947,787




150   鄭州銀行股份有限公司2019 中期報告
23

                   2019                  2018
                  6 30                 12 31


           (a)    263,070                149,868
                  527,550                797,967
           (b)    775,450                739,542
                  203,102                138,261
           (c)    477,704                      –
                  490,051                406,232


                 2,736,927             2,231,870

                   (22,323)               (22,323)


                 2,714,604             2,209,547


     (a)


                   2019                  2018
                  6 30                 12 31



                  159,747                 71,170
                   68,803                 57,318
                   34,520                 21,380


                  263,070                149,868

                   (19,397)               (19,397)


                  243,673                130,471




                  2019 中期報告鄭州銀行股份有限公司   151
      未經審計的合併中期財務報表附註




      23

             (b)


                                           2019         2018
                                          6 30        12 31



                                          897,108      650,340
                                           66,418      246,768


                                          963,526      897,108



                                          (157,566)   (113,169)
                                           (30,510)     (44,397)


                                          (188,076)   (157,566)



                                              (145)       (145)


                                              (145)       (145)



                                          739,397      537,026


                                          775,305      739,397




152   鄭州銀行股份有限公司2019 中期報告
23

     (c)




           2019   1   1    521,232    7,397             2,152           530,781
                            24,995        –                –           24,995
                            (8,567)       –              (56)           (8,623)


           2019   6   30   537,660    7,397             2,096           547,153



           2019   1   1          –        –               –                –
                           (75,572)   (2,126)            (374)          (78,072)
                             8,567         –              56             8,623


           2019   6   30   (67,005)   (2,126)            (318)          (69,449)



           2019   1   1    521,232    7,397             2,152           530,781


           2019   6   30   470,655    5,271             1,778           477,704


24

                                                  2019                  2018
                                                 6 30                 12 31


                                                5,116,200             4,133,700
                                                   81,323                62,494


                                                5,197,523             4,196,194




                                                 2019 中期報告鄭州銀行股份有限公司   153
      未經審計的合併中期財務報表附註




      25

                                              2019         2018
                                             6 30        12 31



                                          19,161,999    26,828,158
                                             350,158       290,226
                                              82,311       280,281


                                          19,594,468    27,398,665


      26

                                              2019         2018
                                             6 30        12 31



                                          13,089,892    12,878,309
                                                   –      200,000



                                             488,275      370,481

                                             164,292      204,098


                                          13,742,459    13,652,888




154   鄭州銀行股份有限公司2019 中期報告
27




                  2019   6    30




      7,699,664           18,253           (77,313)


      7,699,664           18,253           (77,313)


                  2018   12   31




      3,019,808          164,337                  –
      3,431,600                –           (37,976)
        200,000                –              (525)
     10,294,800           67,214                  –


     16,946,208          231,551            (38,501)




                    2019 中期報告鄭州銀行股份有限公司   155
      未經審計的合併中期財務報表附註




      28

             (a)


                                             2019         2018
                                            6 30        12 31



                                           2,620,000    3,080,000
                                          19,277,200   15,866,280
                                               7,863        9,853


                                          21,905,063   18,956,133


             (b)


                                             2019         2018
                                            6 30        12 31


                                          21,897,200   18,946,280
                                               7,863        9,853


                                          21,905,063   18,956,133




156   鄭州銀行股份有限公司2019 中期報告
29

         2019                  2018
        6 30                 12 31



      84,411,734           82,621,581
      21,628,279           19,547,870


     106,040,013          102,169,451



      78,291,015           83,458,939
      64,403,678           60,168,717


     142,694,693          143,627,656



      17,483,682           13,733,716
       1,246,486            1,164,076
       2,032,979            1,892,027
         885,456            1,081,482


      21,648,603           17,871,301


       1,211,939               462,526


       3,137,004             3,627,272


     274,732,252          267,758,206




        2019 中期報告鄭州銀行股份有限公司   157
      未經審計的合併中期財務報表附註




      30

                                                                2019              2018
                                                               6 30             12 31


                                                (a)           4,997,939         2,997,817
                                                (b)           6,997,880         6,997,739
                                                             88,762,592        83,527,505
                                                                272,529           125,958


                                                            101,030,940        93,649,019


             (a)       2019    6                20               3.70%


                       2017    9                30               4.70%


             (b)


                       2017    3          20          10            4.80%


                       2016    12          30          10              4.10%


                       2014    12          20          10              5.73%


      31

                                                                2019              2018
                                                               6 30             12 31


                                                (a)            533,732           437,413
                                                               751,073           782,971
                                                                42,451            61,978
                                                               504,310           182,678
                                                                41,873            24,327
                                                (b)            254,138           236,822
                                                (c)            442,896                 –
                                                               761,056           474,372


                                                              3,331,529         2,200,561




158   鄭州銀行股份有限公司2019 中期報告
31

     (a)


                                    2019                  2018
                                   6 30                 12 31


                                   298,605                250,318
                                        13                    562
                                    33,253                    106
                                        31                     19
                                    16,597                  1,628
                             (1)   185,233                184,780


                                   533,732                437,413


           (1)         SRB




                 (i)


                                    2019                  2018
                                   6 30                 12 31


                                    26,614                 25,152
                                   158,619                159,628


                                   185,233                184,780




                                   2019 中期報告鄭州銀行股份有限公司   159
      未經審計的合併中期財務報表附註




      31

             (a)

                     (1)                       SRB

                            (ii)


                                                                      2019          2018
                                                                     6 30         12 31


                                    1     1                          184,780          201,222
                                                                      (8,256)         (19,504)
                                                                       9,549           13,890
                                                                        (840)         (10,828)


                                    6     30    12    31             185,233          184,780

                            (iii)


                                                                      2019          2018
                                                                     6 30         12 31


                                                                      3.00%            2.70%

                                                                          60               60
                                                                          55               55
                                                                      8.00%            8.00%


                                                                      2019          2018
                                                                     6 30         12 31


                                                                      3.50%            3.50%

                                                                          60               60
                                                                          55               55


                                                                      2019          2018
                                               20    105             6 30         12 31


                                                           0.0248%     100% 0.0248%     100%
                                                            0.012%     100% 0.012%      100%


160   鄭州銀行股份有限公司2019 中期報告
31

     (b)

              2019     6   30


                                             2019 6 30



                                 12



           2019 1 1             225,926        253            10,643          236,822

                      12              116      (53)               (63)               –

                                       (2)       4                 (2)               –

                                     (4)       (79)               83                –
                                 14,269        140             2,907           17,316


           2019 6 30            240,305        265            13,568          254,138


                                             2018 12 31



                                 12



           2018 1 1             255,378        123             1,152          256,653

                      12              153      (49)              (104)               –

                                      (14)      14                  –               –

                                      (2)      (54)               56                –
              (   )             (29,589)       219             9,539          (19,831)


           2018 12 31           225,926        253            10,643          236,822




                                                      2019 中期報告鄭州銀行股份有限公司   161
      未經審計的合併中期財務報表附註




      31

             (c)




                                                                                                2019
                                                                                               6 30


                                                                                                83,949
                                                                                               100,993
                                                                                                79,215
                                                                                               119,093
                                                                                               122,440


                                                                                               505,690


                                                                                               442,896


      32




                                                                                2019            2018
                                                                               6 30           12 31


                                    A                                      4,403,932          4,403,932
                                          H                                1,518,000          1,518,000


                                                                           5,921,932          5,921,932


                2015     12                       12             1     H               3.85        H
                              H                        25.62
                   1.2                                                     H

                2016     1                                1.8                  1   H
                3.85                          H                 3.92




162   鄭州銀行股份有限公司2019 中期報告
32

       2018    9   6           1     A                    4.59      A
               A       21.09

           A   H

33

     (a)


                                           2019                    2018
                                          6 30                   12 31


                                         5,099,040             5,099,040
                                            64,615                64,615


                                         5,163,655             5,163,655


     (b)




                                           10%
                               50%




                                          2019 中期報告鄭州銀行股份有限公司   163
      未經審計的合併中期財務報表附註




      33

             (c)

                         2012   7    1                    [2012]20

                          1.5%

             (d)


                                                2019               2018
                                               6 30              12 31


                     1    1                     38,590               (23,933)


                                                48,736                87,000
                                                (9,711)                (3,636)
                                                (9,756)              (20,841)


                                                29,269               62,523


                     6    30        12    31    67,859               38,590


             (e)




                                                2019               2018
                                               6 30              12 31


                     1    1                    (44,492)              (52,614)


                                                   840               10,828
                                                  (210)              (2,706)


                                                  630                  8,122


                     6    30        12    31   (43,862)              (44,492)




164   鄭州銀行股份有限公司2019 中期報告
34

     (a)

               2019      5    24                                                  2018    12    31
                                                  A              H                             10             1.50
                                   8.88

     (b)

                                               2018   10     9
                               2018       10    18




           7,278                                                                               5.02
                                                                                                           10%




35

     (a)




                      2017/10/18                  5.50% 20           59,550,000   1,191     7,860
                                                                                              (34)


                                                                                            7,826




                                                                                     2019 中期報告鄭州銀行股份有限公司   165
      未經審計的合併中期財務報表附註




      35

             (b)

                     (1)

                                          5




                     (2)




                     (3)




166   鄭州銀行股份有限公司2019 中期報告
35

     (b)

           (4)

                                                                5.125%

                                        H
                 5.125%
                          H



                                            H
                    H
                              (1)
                    (2)

           (5)

                                    5




                                                2019 中期報告鄭州銀行股份有限公司   167
      未經審計的合併中期財務報表附註




      36




                                                                         2019         2018
                                                                        6 30        12 31


                                                                         739,300      663,758
                                                                       3,656,929   16,788,883
                                                     3                 2,631,657    1,684,322
                                          3                            3,616,956    3,384,151


                                                                      10,644,842   22,521,114


      37

             (a)

                     (i)

                                              5%




                                                                         2019         2018
                                                                        6 30        12 31


                                                                          8.29%        8.29%


                     (ii)

                                                              20

                     (iii)




                                                   37(a)(i)
                                                              31(a)




168   鄭州銀行股份有限公司2019 中期報告
37

     (b)




           (i)


                   2019                  2018
                  6 30                 12 31



                  120,724                 23,203
                   64,285                 64,285


                   6    30
                   2019                   2018



                        859                   332


           (ii)


                   2019                  2018
                  6 30                 12 31



                  572,440                399,840
                  170,000                150,000


                   6    30
                   2019                   2018



                       7,406                8,937




                  2019 中期報告鄭州銀行股份有限公司   169
      未經審計的合併中期財務報表附註




      37

             (b)

                     (iii)


                                            2019          2018
                                           6 30         12 31



                                            50,075         50,992
                                           503,523      1,265,155


                                            6    30
                                            2019          2018



                                                1,037       1,250
                                                1,085       5,442


                     (iv)


                                            2019          2018
                                           6 30         12 31



                                          1,943,329     2,554,752
                                          2,784,320     4,340,365

                                           190,837       532,226

                                            122,002             –
                                          4,603,956     4,122,233
                                            293,254       266,799




170   鄭州銀行股份有限公司2019 中期報告
37

     (b)

           (iv)


                   6   30
                   2019                   2018



                  146,732                249,609
                    4,605                      –
                   21,395                 33,369


     (c)

           (i)


                   2019                  2018
                  6 30                 12 31



                   13,217                 14,032
                   26,929                 25,408


                   6   30
                   2019                   2018



                       283                    347
                       361                     79




                  2019 中期報告鄭州銀行股份有限公司   171
      未經審計的合併中期財務報表附註




      37

             (c)

                     (ii)


                                                                                                 6   30
                                                                                                 2019      2018


                                                                                                  6,680      6,385
                                                                                                 13,468     12,004
                                                                                                  2,317      1,575


                                                                                                 22,465     19,964


                                              2019   6    30                    2018   6    30



                     (iii)

                                                                                           622               11
                             78                32                         161


                                                                                              2019          2018
                                                                                             6 30         12 31


                                                                                                 13,217     14,032
                                                                                                 14,917     17,632


                               2019       6    30        2018   12   31




172   鄭州銀行股份有限公司2019 中期報告
38

     (a)




           2019 中期報告鄭州銀行股份有限公司   173
      未經審計的合併中期財務報表附註




      38

             (a)



                                                                2019 6 30             6




                                            1,725,049      333,499       1,881,047               –     3,939,595
                                              441,398      457,614        (899,012)              –             –

                                            2,166,447      791,113         982,035               –     3,939,595
                                              204,309       25,931         545,336               –       775,576
                                               38,099            –        288,071               –       326,170
                                                    –           –      1,176,162               –     1,176,162
                                                    –           –              –         14,082         14,082

                                            2,408,855       817,044      2,991,604          14,082      6,231,585
                                             (714,540)     (425,510)      (572,814)         (3,478)    (1,716,342)
                                             (813,657)     (231,919)      (439,848)              –    (1,485,424)

                                             880,658       159,615       1,978,942          10,604      3,029,819
                                                   –            –              –         29,095         29,095

                                             880,658       159,615       1,978,942          39,699      3,058,914



                                             101,570        91,876          43,704               –      237,150

                                             171,708       104,290        142,426              492       418,916


                                                                       2019 6 30




                                          156,327,608    62,916,093 256,969,946           1,339,164 477,552,811
                                                                                                      2,242,755

                                                                                                      479,795,566

                                          186,753,846    89,237,042 162,264,070           2,025,494 440,280,452

                                           86,458,986     2,517,523              –              –    88,976,509


174   鄭州銀行股份有限公司2019 中期報告
38

     (a)



                                 2018 6 30              6




             1,309,070      605,306          907,248               –     2,821,624
             1,018,348      408,421       (1,426,769)              –             –

             2,327,418     1,013,727       (519,521)               –     2,821,624
               234,631        57,890        666,055                –       958,576
                     –            –        (71,054)              –       (71,054)
                     –            –     1,416,422                –     1,416,422
                     –            –              –         10,810         10,810

             2,562,049     1,071,617      1,491,902           10,810      5,136,378
              (582,916)     (443,869)      (400,309)          (2,491)    (1,429,585)
              (317,423)     (238,814)      (140,286)               –      (696,523)

             1,661,710      388,934         951,307            8,319      3,010,270
                     –           –              –          26,331         26,331

             1,661,710      388,934         951,307           34,650      3,036,601



                36,108        70,482         41,253                –      147,843

              102,036         79,523         72,264              307       254,130


                                        2018 12 31




           157,319,884    57,840,402 247,604,846            1,429,499 464,194,631
                                                                        1,947,787

                                                                        466,142,418

           184,959,359    83,126,962 158,512,376            1,680,222 428,278,919

            81,456,788     1,778,943               –              –    83,235,731


                                                  2019 中期報告鄭州銀行股份有限公司    175
      未經審計的合併中期財務報表附註




      38

             (b)




      39




             (a)




176   鄭州銀行股份有限公司2019 中期報告
39

     (a)




                 12

                       12




           (i)




                      30




                            2019 中期報告鄭州銀行股份有限公司   177
      未經審計的合併中期財務報表附註




      39

             (a)




                     (i)




                                  2019    6   30



                     (ii)




                            (1)

                                                   90

                            (2)




178   鄭州銀行股份有限公司2019 中期報告
39

     (a)




           (ii)

                   (2)




           (iii)

                         (PD)             (EAD)        (LGD)



                                12



                                12




                                     12




                                                  2019 中期報告鄭州銀行股份有限公司   179
      未經審計的合併中期財務報表附註




      39

             (a)




                     (iii)

                             12



                                                    12




                                               12




                                          12




180   鄭州銀行股份有限公司2019 中期報告
39

     (a)



           (iii)




                                                             GDP
                         CPI




                   (1)


                               41(a)




                                       2019 中期報告鄭州銀行股份有限公司   181
      未經審計的合併中期財務報表附註




      39

             (a)




                     (iii)

                             (2)

                                    (i)

                                                   2019           2018
                                                  6 30          12 31

                                          12

                                                   914,493        639,733
                                               167,240,836    149,978,957

                                               168,155,329    150,618,690




                                                 1,103,245      2,396,820
                                                 3,840,006      2,431,602

                                                 4,943,251      4,828,422




                                                 4,427,676      4,012,791
                                                    30,896        112,889

                                                 4,458,572      4,125,680

                                                  612,966        489,560

                                                (6,658,676)    (6,062,971)

                                               171,511,442    153,999,381




182   鄭州銀行股份有限公司2019 中期報告
39

     (a)




           (iii)

                   (2)

                         (ii)




                                                       2019             2018
                                                      6 30            12 31


                                                121,243,316         109,829,919
                                                 49,837,526          42,580,640


                                                171,080,842         152,410,559


                         (iii)




                                               2019       6    30
                                 1                    1    3
                                      1                   3

                                     994,071          624,982         1,619,053
                                     186,328          212,357           398,685

                                 1,180,399            837,339         2,017,738




                                                 2019 中期報告鄭州銀行股份有限公司   183
      未經審計的合併中期財務報表附註




      39

             (a)




                     (iii)

                             (2)

                                    (iii)


                                                        2018       12   31
                                            1                  1    3
                                                1                  3

                                            1,132,393          1,422,545     2,554,938
                                              225,265            256,350       481,615

                                            1,357,658          1,678,895     3,036,553




                                                                 2019          2018
                                                                6 30         12 31



                                                               1,811,874     2,250,645




184   鄭州銀行股份有限公司2019 中期報告
39

     (a)




           (iii)

                   (2)

                         (iv)




                                     2019              2018
                                    6 30             12 31



                                 3,398,249           3,268,726
                                 1,060,323             856,954

                                 4,458,572           4,125,680



                                       1,769              1,809
                                         153                  8

                                       1,922              1,817



                                 (2,285,769)        (2,279,394)
                                   (630,727)          (567,625)

                                 (2,916,496)        (2,847,019)



                                 1,114,249             991,141
                                   429,749             289,337

                                 1,543,998           1,280,478



                                 1,478,268           1,967,877




                                2019 中期報告鄭州銀行股份有限公司   185
      未經審計的合併中期財務報表附註




      39

             (a)




                     (iii)

                             (2)

                                    (v)




                                                               2019   6    30
                                              2018   12   31

                             (3)




                                                                           2019     2018
                                                                          6 30    12 31



                                    A      AAA                        4,844,664   7,708,768
                                    B      BBB                        1,624,421   1,524,561
                                                                         81,514     144,486


                                                                      6,550,599   9,377,815


                                          2019 6 30
                                              2018 12     31




186   鄭州銀行股份有限公司2019 中期報告
39

     (a)




           (iii)

                   (4)




                              2019              2018
                             6 30             12 31




                         28,685,591         29,170,003
                         36,136,340         37,537,081
                          2,234,670          2,876,607
                          6,994,776          8,176,557


                         74,051,377         77,760,248



                                     –         256,411


                         74,051,377         78,016,659




                         2019 中期報告鄭州銀行股份有限公司   187
      未經審計的合併中期財務報表附註




      39

             (a)




                     (iii)

                             (5)

                                    (i)


                                                  2019          2018
                                                 6 30         12 31


                                          12

                                                  429,600             –
                                               11,397,985    13,311,745


                                               11,827,585    13,311,745




                                                 682,005        180,142
                                                 787,063        462,288


                                                1,469,068       642,430


                                                 116,896        105,345

                                                 (368,854)     (348,854)


                                               13,044,695    13,710,666




188   鄭州銀行股份有限公司2019 中期報告
39

     (a)




           (iii)

                   (5)

                         (ii)




                                               2019       6    30
                                1                     1    3
                                     1                    3

                                    429,600           682,005         1,111,605


                                               2018       12   31
                                1                     1    3
                                     1                    3

                                          –          180,142           180,142




                                                 2019 中期報告鄭州銀行股份有限公司   189
      未經審計的合併中期財務報表附註




      39

             (a)




                     (iii)

                             (6)




                                                   2019           2018
                                                  6 30          12 31


                                          12

                                                 2,044,620        708,400
                                               170,397,444    163,391,994


                                               172,442,064    164,100,394




                                                 1,500,000              –
                                                 1,400,000      1,400,000


                                                 2,900,000      1,400,000




                                                 1,791,263      2,629,147


                                                 1,791,263      2,629,147


                                                 1,304,901      1,427,133

                                                (2,167,488)    (1,726,620)


                                               176,270,740    167,830,054



                                                 3,147,800      5,027,204

190   鄭州銀行股份有限公司2019 中期報告
39

     (b)




           2019 中期報告鄭州銀行股份有限公司   191
      未經審計的合併中期財務報表附註




      39

             (b)

                     (1)




                            (i)




192   鄭州銀行股份有限公司2019 中期報告
39

     (b)

           (1)

                 (i)




                                                                   2019 6 30
                                                                  3           3        1           1    5
                                                                   3                  1                5            5



                                    32,434,297    1,126,701    31,307,596                  –               –            –

                                     6,429,695      622,098     5,503,182        228,497             75,918               –
                                       120,904           40       120,864              –                 –              –
                             (1)   171,511,442      612,966   110,875,316     54,048,034          4,027,461       1,947,665
                       (2)         249,036,249   50,511,436    23,300,186     26,591,709        109,648,699      38,984,219
                             (1)    13,044,695      116,896    10,783,299      1,835,319            309,181               –
                                     7,218,284    7,200,031         1,444         16,809                  –              –


                                   479,795,566   60,190,168   181,891,887     82,720,368        114,061,259      40,931,884



                                     5,197,523      81,323      2,550,200         2,566,000                 –            –

                                    33,336,927      246,603    14,050,049     19,040,275                  –              –
                                    21,905,063        7,863    21,897,200              –                 –              –
                                   274,732,252    4,042,656   145,731,640     63,393,449         61,064,507         500,000
                                   101,030,940      272,529     6,902,389     81,860,203         11,995,819               –
                                     4,077,747    4,000,433        76,704            610                  –              –


                                   440,280,452    8,651,407   191,208,182    166,860,537         73,060,326         500,000


                                    39,515,114   51,538,761    (9,316,295)   (84,140,169)        41,000,933      40,431,884




                                                                                  2019 中期報告鄭州銀行股份有限公司            193
      未經審計的合併中期財務報表附註




      39

             (b)

                     (1)

                            (i)


                                                                                      2018 12 31
                                                                                     3           3        1           1    5
                                                                                      3                  1                5            5



                                                       46,224,453    1,377,590    44,846,863                  –               –            –

                                                        5,925,690      408,126     5,084,150        350,000             83,414               –
                                                        3,452,125        4,739     3,447,386              –                 –              –
                                                (1)   153,999,381      489,560   101,086,197     47,170,340          3,077,839       2,175,445
                                          (2)         236,359,868   46,426,383    26,063,860     23,792,639        103,650,064      36,426,922
                                                (1)    13,710,666      105,345    11,651,404      1,953,917                  –              –
                                                        6,470,235    6,238,684       180,265         51,286                  –              –


                                                      466,142,418   55,050,427   192,360,125     73,318,182        106,811,317      38,602,367



                                                        4,196,194      62,494              –        4,133,700                 –            –

                                                       41,051,553      484,380    19,111,780     21,455,393                  –              –
                                                       18,956,133        9,853    18,946,280              –                 –              –
                                                      267,758,206    4,041,732   136,777,389     62,212,591         61,726,494       3,000,000
                                                       93,649,019      125,958    21,943,150     61,584,355          9,995,556               –
                                                        2,667,814    2,629,313        37,976            525                  –              –


                                                      428,278,919    7,353,730   196,816,575    149,386,564         71,722,050       3,000,000


                                                       37,863,499   47,696,697    (4,456,450)   (76,068,382)        35,089,267      35,602,367




194   鄭州銀行股份有限公司2019 中期報告
39

     (b)

           (1)

                 (i)

                        (1)               2019    6    30      3            3
                                                               32.76        2018     12    31                   35.55
                              2019    6    30          3            3
                                                            10.20       2018    12   31                  1.76


                        (2)    2018       12     31


                                                                            2019     6    30         3              3
                                                                    45.97       2018      12    31                28.19


                 (ii)


                                                                                           2019                       2018
                                                                                          6 30                      12 31



                                                 100                                      (543,161)                     (461,308)
                                                 100                                       543,161                       461,308


                                                                                           2019                       2018
                                                                                          6 30                      12 31



                                                 100                                      (895,094)                     (671,154)
                                                 100                                       914,251                       679,002




                                                                                          2019 中期報告鄭州銀行股份有限公司         195
      未經審計的合併中期財務報表附註




      39

             (b)

                     (1)

                            (ii)




196   鄭州銀行股份有限公司2019 中期報告
39

     (b)

           (2)




                                         2019 6 30




                        32,279,343     151,477           3,477     32,434,297

                         3,059,295    3,348,077         22,323      6,429,695
                           120,904            –             –       120,904
                       170,562,422      949,020              –   171,511,442
                 (i)   239,271,453    9,764,796              –   249,036,249
                        13,044,695            –             –    13,044,695
                         7,121,421       96,863              –     7,218,284


                       465,459,533   14,310,233         25,800    479,795,566



                         5,197,523            –             –     5,197,523
                        32,848,652      488,275              –    33,336,927
                        21,905,063            –             –    21,905,063
                       271,664,863    3,067,155            234    274,732,252
                       101,030,940            –             –   101,030,940
                         3,723,348     343,634          10,765       4,077,747


                       436,370,389    3,899,064         10,999    440,280,452


                        29,089,144   10,411,169         14,801     39,515,114


                        86,132,140    2,760,324       254,045      89,146,509



                                               2019 中期報告鄭州銀行股份有限公司   197
      未經審計的合併中期財務報表附註




      39

             (b)

                     (2)


                                                             2018 12 31




                                            45,973,787     247,943         2,723     46,224,453

                                             3,532,393    2,324,726     68,571        5,925,690
                                             3,452,125            –         –       3,452,125
                                           153,029,933      969,448          –     153,999,381
                                     (i)   226,454,202    9,727,272    178,394      236,359,868
                                            13,710,666            –         –      13,710,666
                                             5,102,832    1,367,403          –       6,470,235


                                           451,255,938   14,636,792    249,688      466,142,418



                                             4,196,194            –           –     4,196,194
                                            40,331,556      719,997            –    41,051,553
                                            18,956,133            –           –    18,956,133
                                           262,405,650    5,351,699          857    267,758,206
                                            93,649,019            –           –    93,649,019
                                             1,954,107      654,427       59,280      2,667,814


                                           421,492,659    6,726,123       60,137    428,278,919


                                            29,763,279    7,910,669    189,551       37,863,499


                                            80,231,567    2,953,262       50,902     83,235,731


                            (i)




198   鄭州銀行股份有限公司2019 中期報告
39

     (b)

           (2)


                              2019                  2018
                             6 30                 12 31



                 100          11,374                   8,852
                 100         (11,374)                 (8,852)




                       100




                             2019 中期報告鄭州銀行股份有限公司   199
      未經審計的合併中期財務報表附註




      39

             (c)




200   鄭州銀行股份有限公司2019 中期報告
39

     (c)

           (1)




                                                             2019 6 30
                                                 3             3        1           1    5               5
                                                  3                    1                5




                 28,038,068      4,396,229              –                  –               –              –    32,434,297

                          –     1,959,029     4,166,251          228,497             75,918               –       6,429,695
                          –             –      120,904                –                 –              –         120,904
                  2,136,201      3,528,117    19,725,029       68,429,693         43,174,862      34,517,540      171,511,442
                  3,050,178      1,905,354    35,635,344       48,796,251        120,550,786      39,098,336      249,036,249
                    580,015        439,979     1,785,369        3,948,389          6,281,222           9,721       13,044,695
                  3,200,068         70,474     2,757,532          512,315            416,086         261,809        7,218,284


                 37,004,530     12,299,182    64,190,429      121,915,145        170,498,874      73,887,406      479,795,566



                          –             –    2,623,630           2,573,893                 –              –     5,197,523

                          –     1,256,157    13,040,495       19,040,275                  –              –      33,336,927
                          –             –   21,905,063                –                 –              –      21,905,063
                          –   108,464,465    39,357,492       64,205,169         62,205,003         500,123      274,732,252
                          –             –    6,902,389       82,132,732         11,995,819               –     101,030,940
                          –       983,884     1,343,450          205,190          1,376,826         168,397        4,077,747


                          –   110,704,506    85,172,519      168,157,259         75,577,648         668,520      440,280,452


                 37,004,530    (98,405,324)   (20,982,090)    (46,242,114)        94,921,226      73,218,886       39,515,114




                                                                                  2019 中期報告鄭州銀行股份有限公司             201
      未經審計的合併中期財務報表附註




      39

             (c)

                     (1)


                                                                                      2018 12 31
                                                                          3             3        1           1    5
                                                                           3                    1                5            5




                                          28,771,795     17,452,641             17                   –               –            –    46,224,453

                                                   –     1,340,322     4,151,954          350,000             83,414               –     5,925,690
                                                   –             –    3,452,125                –                 –              –     3,452,125
                                           2,447,480      3,017,666    19,443,318       68,239,848         34,409,919      26,441,150    153,999,381
                                           3,337,111              –   30,676,743       53,918,052        111,887,468      36,540,494    236,359,868
                                             175,639              –    1,713,373        3,677,864          8,131,081          12,709     13,710,666
                                           4,868,013         29,009       637,605          776,808            157,570           1,230      6,470,235


                                          39,600,038     21,839,638    60,075,135      126,962,572        154,669,452      62,995,583    466,142,418



                                                   –             –       62,494           4,133,700                 –            –     4,196,194

                                                   –     1,470,384    18,060,377       21,520,792                  –              –    41,051,553
                                                   –             –   18,956,133                –                 –              –    18,956,133
                                                   –   105,878,265    34,940,856       62,212,591         61,726,494       3,000,000    267,758,206
                                                   –             –   21,943,150       61,710,313          9,995,556               –    93,649,019
                                                   –       622,732       779,357          195,703            962,774         107,248      2,667,814


                                                   –   107,971,381    94,742,367      149,773,099         72,684,824       3,107,248    428,278,919


                                          39,600,038    (86,131,743)   (34,667,232)     (22,810,527)       81,984,628      59,888,335     37,863,499




202   鄭州銀行股份有限公司2019 中期報告
39

     (c)

           (1)

                 (i)


                                             1                    1
                         1


                 (ii)



                 (iii)
                             1


                 (iv)
                                 1




                                     2019 中期報告鄭州銀行股份有限公司   203
      未經審計的合併中期財務報表附註




      39

             (c)

                     (2)

                            (i)


                                                                                          2019 6 30
                                                                                     3           3        1        1    5            5
                                                                                      3                  1             5




                                            5,197,523    5,302,486           –    2,643,547         2,658,939              –           –



                                           33,336,927   35,571,330   1,256,904    13,047,034     21,267,392                 –           –

                                           21,905,063 21,912,984            –    21,912,984              –              –           –
                                          274,732,252 285,890,534 107,767,361     40,041,108     66,796,033      70,647,039      638,993
                                          101,030,940 103,271,417           –     7,043,389     83,431,211      12,796,817            –



                                          436,202,705 451,948,751 109,024,265     84,688,062 174,153,575         83,443,856      638,993




204   鄭州銀行股份有限公司2019 中期報告
39

     (c)

           (2)

                 (i)


                                                                   2018 12 31
                                                                  3           3        1        1    5              5
                                                                   3                  1             5




                         4,196,194   4,269,685            –           674        4,269,011              –             –



                        41,051,553 41,917,620    1,470,800     18,128,333     22,318,487               –             –
                        18,956,133 18,961,045            –    18,961,045              –              –             –
                       267,758,206 276,804,929 105,943,418     32,023,206     64,856,254      70,737,843      3,244,208
                        93,649,019 96,157,155            –    22,156,000     63,324,600      10,676,555              –



                       425,611,105 438,110,434 107,414,218     91,269,258 154,768,352         81,414,398      3,244,208




                                                                             2019 中期報告鄭州銀行股份有限公司               205
      未經審計的合併中期財務報表附註




      39

             (c)

                     (2)

                            (ii)


                                                                                  2019 6 30
                                                                             3           3        1      1    5        5
                                                                              3                  1           5




                                             77,313        77,479     –      76,861             618              –       –


                                                                               2018 12 31
                                                                             3           3        1      1    5        5
                                                                              3                  1           5




                                             28,713        28,713     –      29,238             (525)            –       –




                                           3,118,539     3,135,618    –    2,418,107         717,511             –       –
                                          (2,954,202)   (2,965,309)   –   (2,301,962)       (663,347)            –       –




                                            164,337       170,309     –     116,145          54,164              –       –




206   鄭州銀行股份有限公司2019 中期報告
39

     (d)




           2019 中期報告鄭州銀行股份有限公司   207
      未經審計的合併中期財務報表附註




      39

             (e)




208   鄭州銀行股份有限公司2019 中期報告
39

     (e)

           2019   6   30   2018   12   31           2012



                                                      2019                  2018
                                                     6 30                 12 31



                                                    5,921,932             5,921,932
                                                    5,187,652             5,157,753
                                                    2,356,214             2,356,214
                                                    5,870,320             5,870,320
                                                   11,099,039             9,518,012
                                                      579,233               602,538


                                                   31,014,390           29,426,769
                                                     (775,457)            (714,478)


                                                   30,238,933           28,712,291

                                                    7,825,508             7,825,508
                                                       76,170                80,339


                                                   38,140,611           36,618,138



                                                    7,000,000             7,000,000
                                                    2,422,669             2,179,647
                                                      154,722               160,677


                                                    9,577,391             9,340,324


                                                   47,718,002           45,958,462


                                            (1)   374,558,345          349,504,822


                                                       8.07%                 8.22%
                                                      10.18%                10.48%
                                                      12.74%                13.15%



                                                     2019 中期報告鄭州銀行股份有限公司   209
      未經審計的合併中期財務報表附註




      39

             (e)

                     (1)



                     (2)
                                             2019   6   30
                            10.5%     8.5%   7.5% 2018       12   31   10.5%   8.5%   7.5%)


      40

             (a)



                               13




                     (1)




210   鄭州銀行股份有限公司2019 中期報告
40

     (a)

           (2)




           (3)




     (b)




                                   2019      6    30




                  6,962,704     5,653,359                 –    12,616,063
                          –    7,002,330                 –     7,002,330
                          –            –       41,393,772     41,393,772




                  5,730,946     5,455,019                  –   11,185,965



                          –            –       16,504,193     16,504,193
                          –       18,253                 –        18,253


                 12,693,650    18,128,961        57,897,965     88,720,576



                          –      (77,313)                 –       (77,313)


                          –      (77,313)                 –       (77,313)



                                             2019 中期報告鄭州銀行股份有限公司   211
      未經審計的合併中期財務報表附註




      40

             (b)


                                                                 2018      12     31




                                                7,389,146     8,377,366                  –   15,766,512
                                                        –    8,421,637                  –    8,421,637
                                                        –            –        35,844,826    35,844,826




                                                3,474,207     4,520,117                  –    7,994,324



                                                        –           –         12,396,145    12,396,145
                                                        –     231,551                   –      231,551


                                               10,863,353    21,550,671         48,240,971    80,654,995



                                                        –       38,501                  –      38,501


                                                        –       38,501                  –      38,501


                         2019      6      30
                         2018




212   鄭州銀行股份有限公司2019 中期報告
40

     (c)




                             2019                                                                      2019
                             1 1                                                                      6 30




                          35,844,826   1,091,959         – 22,696,390 (18,239,403)             – 41,393,772

                          12,396,145     38,099     (11,577) 14,953,467 (10,871,941)            – 16,504,193


                          48,240,971   1,130,058    (11,577) 37,649,857 (29,111,344)            – 57,897,965




              2018                                                                                     2018
              1 1                                                                                    12 31




           32,278,067 (32,278,067)             –        –           –              –        –            –




                     – 41,477,107     2,319,007         – 21,926,075 (29,877,363)             – 35,844,826



                     –    2,473,540     49,037     10,804 12,392,571        (2,529,807)        – 12,396,145


           32,278,067 11,672,580       2,368,044    10,804 34,318,646 (32,407,170)              – 48,240,971




                                                                           2019 中期報告鄭州銀行股份有限公司       213
      未經審計的合併中期財務報表附註




      40

             (d)


                                                                     2019 6 30




                                           50,040,546   49,649,108     19,398,862    30,250,246   –


                                           50,040,546   49,649,108     19,398,862    30,250,246   –




                                            5,118,589    5,045,681              –    5,045,681   –
                                            7,149,759    7,012,762              –    7,012,762   –
                                           88,762,592   87,566,483              –   87,566,483   –


                                          101,030,940   99,624,926              –   99,624,926   –


                                                                     2018 12 31




                                           54,082,788   53,283,968     21,015,697    32,268,271   –


                                           54,082,788   53,283,968     21,015,697    32,268,271   –




                                            3,042,455    3,040,389              –    3,040,389   –
                                            7,079,059    7,022,391              –    7,022,391   –
                                           83,527,505   82,457,265              –   82,457,265   –


                                           93,649,019   92,520,045              –   92,520,045   –




214   鄭州銀行股份有限公司2019 中期報告
40

     (d)




           2019 中期報告鄭州銀行股份有限公司   215
      未經審計的合併中期財務報表附註




      41

             (a)




                                                   2019         2018
                                                  6 30        12 31


                                                73,007,630   68,168,889
                                                 9,979,787    9,294,124
                                                 3,641,569    3,993,775
                                                 2,517,523    1,778,943


                                                89,146,509   83,235,731




             (b)


                                                   2019         2018
                                                  6 30        12 31


                                                15,154,242   16,547,584



                                          0%   150%




216   鄭州銀行股份有限公司2019 中期報告
41

     (c)

           2019   6   30   2018   12   31


                                               2019                  2018
                                              6 30                 12 31


                                              186,008                156,097
                                               35,247                 58,250


                                              221,255                214,347


     (d)

           2019   6   30   2018   12   31



     (e)


                                               2019                  2018
                                              6 30                 12 31


                                            21,861,498           18,886,750


                                            21,861,498           18,886,750




                                              2019 中期報告鄭州銀行股份有限公司   217
      未經審計的合併中期財務報表附註




      42

             (a)




                       2019     6   30    2018   12   31



                                                                2019     6    30




                                                            41,806,241              41,806,241
                                                           105,846,500             105,846,500
                                                               156,078                 156,078


                                                           147,808,819             147,808,819


                                                               2018      12   31




                                                            38,373,901              38,373,901
                                                            95,121,768              95,121,768
                                                                68,540                  68,540


                                                           133,564,209             133,564,209




218   鄭州銀行股份有限公司2019 中期報告
42

     (a)

                  2019 6 30
                      42.32               2018                        39.76

     (b)




              2019 6             30
              423.60               2018    12    31              363.72

                  2019       6    30
                                                      0.46        2018                      0.07

                  2019       6    30                                   2019 1    1                     2019 6   30
                                                             233.59       2018                         50.27

43




       2019   6    30                                                    63.02       2018    12        31            64.30



44

             2019        7       16                                                    10          A
           60



45




                                                                                             2019 中期報告鄭州銀行股份有限公司   219
      1

                                                           2019
                                                 2019     6 30
                                                6 30


                                               133.60%   174.49%


                                                           2018
                                                 2018    12 31
                                               12 31


                                               241.44%   188.80%


                                                 2018    100%


                                                 2019      2018
                                                6 30     12 31


                                                 6.71%     6.64%


             2015     4   1
                                          4%




220   鄭州銀行股份有限公司2019 中期報告
2

                   2019      6   30




    14,310,233      5,374              20,426       14,336,033
    (3,899,064)      (746)            (10,253)      (3,910,063)


    10,411,169      4,628             10,173        10,425,970


                   2018     12   31




    14,636,792    184,703              64,985       14,886,480
    (6,726,123)      (744)            (59,393)      (6,786,260)


     7,910,669    183,959               5,592         8,100,220




3




                  10%




                                 2019 中期報告鄭州銀行股份有限公司   221
      未經審核的補充財務信息




      3

                                                       2019        6     30




                                          4,766,818           –          2,215,866      6,982,684
                                                  –          –                  –             –
                                             86,887           –            480,944        567,831


                                          4,853,705           –          2,696,810      7,550,515


                                                       2018        12    31




                                           232,760            –              549,849     782,609
                                           188,230            –                    –    188,230
                                           145,883            –                    –    145,883


                                           566,873            –              549,849    1,116,722


      4

                                                                          2019             2018
                                                                         6 30            12 31



                   3   6          6                                       519,190        1,345,544
                   6        1         1                                 1,715,009          742,150
                        1                                               1,320,585        1,667,331


                                                                        3,554,784        3,755,025



                   3   6          6                                        0.29%            0.84%
                   6        1         1                                    0.97%            0.47%
                        1                                                  0.74%            1.04%


                                                                           2.00%            2.35%

222   鄭州銀行股份有限公司2019 中期報告