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
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重要提示
2019 8 20 2019
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2019
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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