1398
4603
4604
84602
2015
我們的使命
提供卓越金融服務
服 務 客 戶 、回 報 股 東 、成 就 員 工 、奉 獻 社 會
我們的願景
建 設 最 盈 利 、最 優 秀 、最 受 尊 重 的
國際一流現代金融企業
我們的價值觀
工 於 至 誠 ，行 以 致 遠
誠 信 、人 本 、穩 健 、創 新 、卓 越
2 65
3 68
4
73
5
75
8
80
11
192
14
14
16
32
46
57
60
62
(Standard Bank Group Limited)
A
571
2012 6
2
2015 8 27 2015
2015 6 19 2014 2015 7 6
2014 1 1 2014 12 31 10
2.554 910.26 2015
2015
H 3
法定中文名稱 H股
183 17M
法定英文名稱
852-28628555
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED 852-28650990
ICBC
法定代表人 中期報告備置地點
註冊和辦公地址 股 票 上 市 地 點 、簡 稱 和 代 碼
55 A股
100140
86-10-66106114
86-95588 601398
www.icbc.com.cn, www.icbc-ltd.com
香港主要運營地點 H股
3 33
授權代表 1398
境外優先股
董 事 會 秘 書 、公 司 秘 書
ICBC USDPREF1
55
4603
86-10-66108608
86-10-66107571 ICBC EURPREF1
ir@icbc.com.cn 4604
信息披露報紙 ICBC CNHPREF1-R
84602
登載A股半年度報告的中國證監會指定互聯網網址 報告期內的註冊變更情況
www.sse.com.cn 1985 11 22
登載H股中期報告的香港聯交所的「披露易」網頁
www.hkexnews.hk 100000000003965
B0001H111000001
法律顧問 110102100003962
中國內地 10000396-2
7 A 40 審 計 師 名 稱 、辦 公 地 址
國內審計師
8 20
1 2 8
中國香港
9 國際審計師
10 8
10
股份登記處
A股
166 3
86-4008058058
4
財務數據
2015 1–6 2014 1–6 2013 1–6
252,087 237,607 215,889
77,120 73,228 67,382
336,737 316,853 291,476
101,499 99,612 91,749
41,951 24,167 21,941
193,287 193,074 177,786
194,678 194,090 178,841
149,426 148,381 138,477
149,021 148,100 138,347
1,083,849 418,091 142,724
0.42 0.42 0.40
0.42 0.42 0.39
H 5
財 務 數 據（續）
2015 6 30 2014 12 31 2013 12 31
22,417,295 20,609,953 18,917,752
11,642,085 11,026,331 9,922,374
7,943,677 7,612,592 7,046,515
3,265,708 3,063,465 2,727,601
432,700 350,274 148,258
267,138 257,581 240,959
4,882,824 4,433,237 4,322,244
20,803,658 19,072,649 17,639,289
16,287,768 15,556,601 14,620,825
8,512,043 8,037,133 7,503,497
7,508,574 7,188,607 6,895,839
267,151 330,861 221,489
2,562,775 1,539,239 1,269,255
1,603,025 1,530,859 1,274,134
356,407 353,495 351,390
(1)
4.40 4.23 3.63
(2)
1,560,058 1,486,733 1,266,841
(2)
1,594,669 1,521,233 1,266,859
(2)
1,821,939 1,812,137 1,572,265
(2)
12,860,745 12,475,939 11,982,187
(S&P)(3) A A A
(Moody’s) (3)
A1 A1 A1
(1)
(2)
(3)
6
財務指標
2015 1–6 2014 1–6 2013 1–6
%
(1)
1.39* 1.51* 1.53*
(2)
18.86* 21.77* 23.25*
(3)
2.34* 2.43* 2.41*
(4)
2.53* 2.62* 2.57*
(5)
2.36* 2.49* 2.69*
22.90 23.11 23.12
(6)
23.71 24.97 25.09
2015 6 30 2014 12 31 2013 12 31
%
(7)
1.40 1.13 0.94
(8)
163.39 206.90 257.19
(9)
2.29 2.34 2.43
%
(10)
12.13 11.92 10.57
(10)
12.40 12.19 10.57
(10)
14.17 14.53 13.12
7.20 7.46 6.76
57.37 60.53 63.34
*
(1)
(2)
9 2010
(3)
(4)
(5)
(6)
(7)
(8)
(9)
(10)
H 7
2015
1,494
0.7% 0.7%
0.7%
8.4%
75% 180
2000 8 2005 3
6%
7.5%
50%
20% 40%
40% 13%
2014
8
12
2013
1,635 390 0.27 1.40%
1.40%
6,158 4.65 8
1.02 1.6 + +
+ + +
2025
H 9
+
+ e-ICBC
O2O
e
B2C B2B B2G
e
2015
10
2,366 8.4%
75% 180 1,494 0.7%
2,521 145
976 40% 2.55
853 7.5%
267 3.97
109 20.0%
1.26 23.71%
6,158 5.6% 4.65
6
3,244
1,725.8 60.9%
1,056 6.13%
2.16 91% 1,839
169 3.3 142 313
5,215 3,843
H 11
4,600
2,300 5
0.15
1.7
5,641
11
7.06 4,388 4 15.1%
1.08 1.05
9,100 23.7% 6.5 12.1%
2.1 7.9%
36% 24% + e-ICBC
e e
e 2,044 e
130 230 e
6,000 800 5.4
4,000
604
12
60%
Tekstilbank 75.5%
6 42 399
20 147 1,604
2,690 14% 7,540 28%
2,680 150
93.5%
H 13
2015
QE
2015
(GDP) 7.0% 1.3% 10.4%
11.4% 6.3% 6.9%
1.5
6 (M2) 133.34 11.8%
88.79 13.4% 131.83 10.7%
8.81 32.2% 30.2%
132.4% 8.6 3.2
6.1136 0.09%
14
6 188.48
12.75% 10,919 1.50% 198.39%
10.48% 10.79% 12.95%
2015
H 15
利潤表項目分析
2015
1,494.26
0.7% 1.39% 18.86%
3,367.37 6.3% 2,520.87 6.1% 846.50
6.8% 1,014.99 1.9% 23.71%
419.51 73.6% 452.52 1.0%
2015 1–6 2014 1–6 %
252,087 237,607 14,480 6.1
84,650 79,246 5,404 6.8
336,737 316,853 19,884 6.3
101,499 99,612 1,887 1.9
41,951 24,167 17,784 73.6
193,287 193,074 213 0.1
1,391 1,016 375 36.9
194,678 194,090 588 0.3
45,252 45,709 (457) (1.0)
149,426 148,381 1,045 0.7
149,021 148,100 921 0.6
405 281 124 44.1
利息淨收入
2015 2,520.87 144.80 6.1%
74.9% 4,372.95 246.82 6.0% 1,852.08
102.02 5.8% 2014 11
2015 2.34% 2.53% 9
16
2015 1–6 2014 1–6
% %
11,334,692 311,862 5.55 10,349,467 297,753 5.80
4,169,349 82,664 4.00 4,006,223 77,490 3.90
3,972,221 80,463 4.08 3,775,176 74,912 4.00
(2)
197,128 2,201 2.25 231,047 2,578 2.25
(3)
3,302,124 24,538 1.50 3,046,399 23,695 1.57
(4)
1,316,323 18,231 2.79 885,134 13,675 3.12
20,122,488 437,295 4.38 18,287,223 412,613 4.55
1,489,681 1,383,544
(266,197) (249,948)
21,345,972 19,420,819
15,201,636 151,971 2.02 14,402,012 146,493 2.05
(4)
2,657,016 25,428 1.93 1,842,986 21,474 2.35
418,878 7,809 3.76 383,933 7,039 3.70
18,277,530 185,208 2.04 16,628,931 175,006 2.12
1,474,517 1,379,450
19,752,047 18,008,381
252,087 237,607
2.34 2.43
2.53 2.62
(1)
(2) 21.(a)
(3)
(4)
H 17
2015 1–6 2014 1–6
26,940 (12,831) 14,109
3,676 1,498 5,174
4,053 1,498 5,551
(377) – (377)
1,900 (1,057) 843
6,004 (1,448) 4,556
38,520 (13,838) 24,682
7,621 (2,143) 5,478
7,792 (3,838) 3,954
656 114 770
16,069 (5,867) 10,202
22,451 (7,971) 14,480
利息收入
客戶貸款及墊款利息收入
3,118.62 141.09 4.7%
9,852.25 25 2014 11
2015 3 5 6
2015 1–6 2014 1–6
% %
3,862,135 91,723 4.79 3,620,723 90,179 5.02
7,472,557 220,139 5.94 6,728,744 207,574 6.22
11,334,692 311,862 5.55 10,349,467 297,753 5.80
18
2015 1–6 2014 1–6
% %
7,029,913 204,597 5.87 6,685,215 202,508 6.11
373,525 9,577 5.17 141,016 4,594 6.57
3,113,081 82,958 5.37 2,791,921 78,055 5.64
818,173 14,730 3.63 731,315 12,596 3.47
11,334,692 311,862 5.55 10,349,467 297,753 5.80
投資利息收入
826.64 51.74 6.7%
804.63 55.51 7.4%
8
22.01 3.77 14.6% 2014
存放中央銀行款項利息收入
245.38 8.43 3.6%
存放和拆放同業及其他金融機構款項利息收入
182.31 45.56
33.3% 4,311.89
利息支出
存款利息支出
1,519.71 54.78 3.7% 82.1%
7,996.24 2014 11 2015 3
5 6
3
H 19
2015 1–6 2014 1–6
% %
3,615,510 59,213 3.30 3,310,621 56,533 3.44
(1)
3,882,374 14,797 0.77 3,738,446 14,460 0.78
7,497,884 74,010 1.99 7,049,067 70,993 2.03
4,043,796 67,840 3.38 3,898,703 65,641 3.40
3,082,010 5,344 0.35 2,967,396 5,142 0.35
7,125,806 73,184 2.07 6,866,099 70,783 2.08
577,946 4,777 1.67 486,846 4,717 1.95
15,201,636 151,971 2.02 14,402,012 146,493 2.05
(1)
同業及其他金融機構存放和拆入款項利息支出
254.28 39.54
18.4% 8,140.30
42
已發行債務證券利息支出
78.09 7.70 10.9%
31.
非利息收入
2015 846.50 54.04 6.8%
771.20 5.3% 75.30 25.1%
20
2015 1–6 2014 1–6 %
19,051 10,108 8,943 88.5
18,684 16,861 1,823 10.8
15,197 19,685 (4,488) (22.8)
15,015 16,701 (1,686) (10.1)
9,235 7,056 2,179 30.9
2,732 3,532 (800) (22.7)
2,702 2,841 (139) (4.9)
1,147 1,162 (15) (1.3)
1,567 1,440 127 8.8
85,330 79,386 5,944 7.5
8,210 6,158 2,052 33.3
77,120 73,228 3,892 5.3
771.20 38.92
5.3% 853.30 7.5%
82.10 33.3%
190.51 89.43 88.5%
186.84 18.23 10.8%
92.35 21.79 30.9%
H 21
2015 1–6 2014 1–6 %
2,165 1,626 539 33.1
(5,082) (4,977) (105) 2.1
2,613 1,036 1,577 152.2
7,834 8,333 (499) (6.0)
7,530 6,018 1,512 25.1
75.30 15.12 25.1%
營業費用
2015 1–6 2014 1–6 %
50,103 49,452 651 1.3
31,233 31,108 125 0.4
14,732 13,825 907 6.6
21,667 20,493 1,174 5.7
1,183 1,131 52 4.6
13,814 14,711 (897) (6.1)
101,499 99,612 1,887 1.9
1,014.99 18.87
1.9% 23.71% 501.03 1.3%
0.4% 138.14 6.1%
資產減值損失
419.51
177.84 73.6% 20. 10.
22
所得稅費用
452.52 23.2%
11.
分部信息
MOVA
2015 1–6 2014 1–6
% %
160,281 47.6 149,278 47.1
124,142 36.9 109,636 34.6
48,675 14.5 55,278 17.4
3,639 1.0 2,661 0.9
336,737 100.0 316,853 100.0
47.
2015 1–6 2014 1–6
% %
41,821 12.4 27,528 8.7
59,375 17.6 59,170 18.7
41,158 12.2 39,844 12.6
62,337 18.5 63,057 19.9
42,322 12.6 42,337 13.4
51,998 15.4 50,107 15.7
15,857 4.7 16,742 5.3
21,869 6.6 18,068 5.7
336,737 100.0 316,853 100.0
47.
H 23
資產負債表項目分析
2015
資產運用
2015 6 224,172.95 18,073.42 8.8%
6,157.54 5.6% 4,495.87
10.1% 916.38 2.6%
50.7% 21.8% 16.1%
2015 6 30 2014 12 31
% %
11,642,085 11,026,331
267,138 257,581
11,374,947 50.7 10,768,750 52.2
4,882,824 21.8 4,433,237 21.5
3,615,260 16.1 3,523,622 17.1
783,352 3.5 782,776 3.8
1,040,068 4.6 468,462 2.3
720,844 3.3 633,106 3.1
22,417,295 100.0 20,609,953 100.0
貸款
2015
2015 6 116,420.85 6,157.54 5.6%
102,782.71 5,610.47 5.8%
24
2015 6 30 2014 12 31
% %
7,943,677 68.2 7,612,592 69.0
432,700 3.7 350,274 3.2
3,265,708 28.1 3,063,465 27.8
11,642,085 100.0 11,026,331 100.0
2015 6 30 2014 12 31
% %
3,080,023 38.8 2,982,425 39.2
4,863,654 61.2 4,630,167 60.8
7,943,677 100.0 7,612,592 100.0
2015 6 30 2014 12 31
% %
3,580,549 45.1 3,411,064 44.8
873,763 11.0 982,384 12.9
3,860,696 48.6 3,711,715 48.8
502,432 6.3 489,813 6.4
7,943,677 100.0 7,612,592 100.0
3,310.85 4.3%
975.98 3.3% 2,334.87 5.0%
1,694.85 5.0%
1,489.81 4.0%
824.26 23.5%
H 25
2015 6 30 2014 12 31
% %
2,258,520 69.1 2,070,366 67.6
305,592 9.4 309,889 10.1
307,961 9.4 316,965 10.3
393,635 12.1 366,245 12.0
3,265,708 100.0 3,063,465 100.0
2,022.43 6.6% 1,881.54
9.1% 42.97 1.4%
90.04 2.8%
273.90 7.5%
投資
2015
2015
6 48,828.24 4,495.87 10.1%
2015 6 30 2014 12 31
% %
4,654,039 95.3 4,268,560 96.3
4,196,589 85.9 3,978,565 89.7
197,128 4.0 197,128 4.4
260,322 5.4 92,867 2.2
228,785 4.7 164,677 3.7
4,882,824 100.0 4,433,237 100.0
41,965.89 2,180.24 5.5%
1,971.28 2,603.22 1,674.55
180.3%
21.(a)
26
2015 6 30 2014 12 31
% %
1,141,749 27.2 1,026,985 25.8
368,798 8.8 346,154 8.7
1,677,215 40.0 1,687,791 42.4
1,008,827 24.0 917,635 23.1
4,196,589 100.0 3,978,565 100.0
1,147.64 11.2%
226.44 6.5%
105.76 0.6% 911.92 9.9%
2015 6 30 2014 12 31
% %
(1)
101 0.0 126 0.0
3 211,922 5.0 180,728 4.5
3 12 533,102 12.7 444,672 11.2
1 5 2,458,815 58.6 2,370,831 59.6
5 992,649 23.7 982,208 24.7
4,196,589 100.0 3,978,565 100.0
(1)
1 1,195.99
2 1 5 879.84 5
104.41
2015 6 30 2014 12 31
% %
3,992,999 95.1 3,829,614 96.3
132,707 3.2 98,593 2.5
70,883 1.7 50,358 1.2
4,196,589 100.0 3,978,565 100.0
H 27
1,633.85 4.3%
341.14 34.6% 205.25 40.8%
2015 6 30 2014 12 31
% %
422,960 8.7 346,828 7.8
1,438,093 29.5 1,188,288 26.8
2,646,489 54.2 2,566,390 57.9
375,282 7.6 331,731 7.5
4,882,824 100.0 4,433,237 100.0
2015 6 1
19,679.06 16,772.15
2,906.91 85.2% 14.8%
2007 17,900 5.07% 2017 11 29 –
2008 16,719 4.95% 2018 3 11 –
2011 13,990 4.49% 2018 8 25 –
2011 11,735 4.25% 2018 3 24 –
2012 11,650 4.04% 2022 6 25 –
2012 11,610 3.94% 2019 8 21 –
2014 11,149 5.44% 2019 4 8 –
2012 11,089 3.76% 2019 7 13 –
2010 11,050 3.51% 2020 7 27 –
2011 10,811 4.02% 2016 4 12 –
1
28
買入返售款項
10,400.68 5,716.06 122.0%
負債
2015 6 208,036.58 17,310.09 9.1%
2015 6 30 2014 12 31
% %
16,287,768 78.3 15,556,601 81.6
2,562,775 12.3 1,539,239 8.1
330,933 1.6 380,957 2.0
284,903 1.4 279,590 1.4
1,337,279 6.4 1,316,262 6.9
20,803,658 100.0 19,072,649 100.0
客戶存款
2015
2015 6 162,877.68 7,311.67
4.7% 4,749.10 5.9%
3,199.67 4.5% 4,009.36 5.1%
3,939.41 5.4%
H 29
2015 6 30 2014 12 31
% %
4,119,119 25.3 3,902,305 25.1
4,392,924 27.0 4,134,828 26.6
8,512,043 52.3 8,037,133 51.7
4,218,912 25.9 4,034,790 25.9
3,289,662 20.2 3,153,817 20.3
7,508,574 46.1 7,188,607 46.2
(1)
267,151 1.6 330,861 2.1
16,287,768 100.0 15,556,601 100.0
(1)
2015 6 30 2014 12 31
% %
62,363 0.4 76,972 0.5
3,168,291 19.5 3,078,463 19.8
2,064,285 12.7 2,001,180 12.8
4,409,829 27.1 4,163,766 26.8
2,329,447 14.3 2,189,392 14.1
2,705,900 16.6 2,572,310 16.5
957,456 5.9 901,068 5.8
590,197 3.5 573,450 3.7
16,287,768 100.0 15,556,601 100.0
2015 6 30 2014 12 31
% %
(1)
8,289,058 50.8 7,908,683 50.8
3 2,129,645 13.1 2,290,971 14.7
3 12 3,819,500 23.5 3,361,635 21.6
1 5 2,028,591 12.5 1,958,020 12.6
5 20,974 0.1 37,292 0.3
16,287,768 100.0 15,556,601 100.0
(1)
30
154,566.77 94.9%
6,578.01 4.4% 8,310.91 733.66
9.7%
同業及其他金融機構存放和拆入款項
25,627.75 10,235.36
66.5%
股東權益
2015 6 16,136.37 763.33 5.0%
16,030.25 721.66 4.7%
42.
現金流量表項目分析
10,838.49 1,850.40
4,568.63
3,799.90 5,135.97 129.66
8,935.87
2,860.94
143.06 393.40
250.34
H 31
公司金融業務
2015
2015 6 542.5 33.1
13.9
公司存貸款業務
2015 6 79,436.77 3,310.85 4.3%
85,120.43 4,749.10 5.9%
11.24% 11.93%
中小企業業務
59
公司類貸款餘額結構圖 公司存款增長圖
單位：人民幣億元
製造業 22.9%
交通運輸、倉儲和郵政業 19.9%
41,191
批發和零售業 11.1% 39,023
電力、熱力、燃氣及水生產和 34,646
10.7%
供應業
租賃和商務服務業 9.0%
水利、環境和公共設施管理業 6.6%
43,929
房地產業 6.5% 41,348
採礦業 3.5% 40,389
建築業 3.2%
住宿和餐飲業 2.2%
科教文衛 1.8% 2013 2014 2015.6
其他 2.6% 活期 定期
註：為境內分行數據。
32
2015 6 30 2014 12 31
% %
4,774,334 44.8 4,525,444 44.8
2,978,295 28.0 2,803,904 27.7
1,796,039 16.8 1,721,540 17.1
(1)
(2)
機構金融業務
結算與現金管理業務
70
2015 6 651.71 6.4% 1,085
28.9% 120.6 7.2%
4,643 6.2%
H 33
國際結算與貿易融資業務
2015 618 12,852.12
4,368.29
投資銀行業務
TCL
PPP
3,843
個人金融業務
2015
2015 6 4.80 1,490 1,005
41
個人存款業務
113,037
8,045
2015 6 75,085.74 3,199.67 4.5%
4.3% 4.6%
34
個人貸款業務 個人貸款增長圖
單位：人民幣億元
32,657
30,635
T+0
27,276
2015 6 32,657.08
2,022.43 6.6%
12.83% 2013 2014 2015.6
私人銀行業務
2015 6 5.35 1.04 24.0% 9,100
1,743 23.7%
銀行卡業務
2015 6 7.1 4,388 40,437
15.1% 186.84 10.8%
2015 6 30 2014 12 31 %
70,676 66,288 6.6
59,908 56,232 6.5
10,768 10,056 7.1
2015 1–6 2014 1–6 %
40,437 35,133 15.1
(1)
5,977 5,847 2.2
(1) =
H 35
信用卡業務
Visa HCE
(I GO)
e e
JCB
2015 6 10,768 712 10,556
19.3% 3,936.35 273.90
7.5%
借記卡業務
+
2015 29,881 13.7%
金融資產服務業務
理財業務
e-ICBC e e
e
36
2015 6 21,392.57 7.9%
資產託管業務
2015 6 6.5 12.1%
養老金業務
2015 6 818 4,118
18.4% 17.8% 1,407
貴金屬業務
e
2015 6,622 43.3%
1,957
H 37
代客資金交易
2,570
e
1,095
604
24
53.89
資產證券化業務
2015 2 6 113.53
1
代理銷售業務
7,131 22.2%
125
1,024 74.7%
38
資金業務
2015
貨幣市場交易
18.14 16.01 859
投資業務
2,119 54
融資業務
2015 6 15
6 30 541
29. 31.
H 39
創新與服務
互聯網金融
e-ICBC +
融e購
e
e 2,000 2,000
融e購
e AA
融e購
e
融e購
支付產品線
e
800 e
融e購
融資產品線
1,900
投資理財產品線
e iPhone Android
40
分銷渠道
294 電子銀行業務佔比增長圖
WiFi 單位：%
280 86.0
88.0
80.2
2 88.0% 75.1
1.6 110%
60
2015 6 27,708
96,704 61,100
17.8%
2012 2013 2014 2015.6
註：電子銀行業務佔比指電子銀行業務筆數除以全行業務筆數。
產品創新與服務提升
APP
99%
消費者權益保護
H 41
國 際 化 、綜 合 化 經 營
60%
Tekstilbank 75.5%
2015 42 399
20 147 1,604
2015 2014 2015 2014 2015 2014
6 30 12 31 1–6 1–6 6 30 12 31
126,760 118,110 747 626 106 106
65,805 62,457 400 317 82 82
44,542 22,592 108 146 77 16
50,093 52,370 231 262 133 133
(1)
4,104 4,305 220 159 1 1
(22,344) (23,838)
268,960 235,996 1,706 1,510 399 338
(1)
42
2015 6 2,689.60
329.64 14.0% 7.4% 1,403.08
93.25 7.1% 951.78 27.29
3.0% 17.06 13.0%
跨境人民幣業務
24
75
RQFII
2015 1.99 16.5%
H 43
44
歐洲
機構名稱（國家/地區） 機構數 美洲
盧森堡分行（盧森堡）-------- 1個 機構名稱（國家/地區） 機構數
法蘭克福分行（德國）-------- 5個 亞太地區（除港澳） 紐約分行（美國）----------------- 1個
倫敦分行（英國）-------------- 1個 機構名稱（國家/地區） 機構數 工銀美國（美國）----------------13個
工銀標準（英國）------------- 10個 新加坡分行（新加坡）------------ 7個 工銀金融（美國）----------------- 1個
工銀歐洲（盧森堡）----------- 1個 東京分行（日本）------------------ 3個 工銀加拿大（加拿大）----------- 9個
巴黎分行（法國）----------- 1個 首爾分行（韓國）------------------ 3個 工銀阿根廷（阿根廷）-------- 106個
華沙分行（波蘭）------------1個 釜山分行（韓國）------------------ 1個 工銀巴西（巴西）----------------- 1個
馬德里分行（西班牙）----- 2個 河內分行（越南）------------------ 1個 工銀秘魯（秘魯）----------------- 1個
米蘭分行（意大利）-------- 1個 萬象分行（老撾）------------------ 1個 （墨西哥）----- 1個
墨西哥子行（籌）
阿姆斯特丹分行（荷蘭）-- 1個 金邊分行（柬埔寨）--------------- 1個
布魯塞爾分行（比利時）-- 1個 仰光分行（緬甸）------------------ 1個
工銀倫敦（英國）-------------- 2個 多哈分行（卡塔爾）--------------- 1個
工銀莫斯科（俄羅斯）-------- 2個 阿布扎比分行（阿聯酋）--------- 1個
工銀土耳其（土耳其）------ 48個 利雅得分行（沙特阿拉伯）------ 1個
迪拜國際金融中心分行
（阿聯酋）------------------------- 1個
科威特分行（科威特）------------ 1個
卡拉奇分行（巴基斯坦）--------- 3個
孟買分行（印度）------------------ 1個
港澳地區 工銀馬來西亞（馬來西亞）----- 5個
機構名稱（國家/地區） 機構數 工銀印尼（印度尼西亞）------- 23個
非洲 工銀亞洲（中國香港）------ 73個 工銀泰國（泰國）---------------- 22個
機構名稱（國家/地區） 機構數 香港分行（中國香港）-------- 2個 工銀阿拉木圖（哈薩克斯坦）--- 1個
參股標準銀行（南非） 工銀國際（中國香港）------ 10個 悉尼分行（澳大利亞）------------ 3個
非洲代表處（南非）----------- 1個 工銀澳門（中國澳門）------ 21個 工銀新西蘭（新西蘭）------------ 1個
註：淡紅色機構為籌建中的機構。
信息化銀行建設
IC
(CM2002) (GCMS)
(GCMS)
FOVA
19 376
人力資源管理
31 5,030
2.4 144.7 2.86
e
H 45
全面風險管理體系
2015
(GMRM)
信用風險
信用風險管理
2015
RAROC
46
信用風險分析
2015 6 241,826.09
17,418.88 48.(a)(i)
H 47
2015 6 30 2014 12 31
% %
11,058,212 94.99 10,582,050 95.97
420,378 3.61 319,784 2.90
163,495 1.40 124,497 1.13
92,066 0.79 66,809 0.60
58,804 0.50 49,359 0.45
12,625 0.11 8,329 0.08
11,642,085 100.00 11,026,331 100.00
2015 6 110,582.12
4,761.62 94.99% 4,203.78 1,005.94 3.61%
1,634.95 389.98 1.40%
2015 6 30 2014 12 31
% % % %
7,943,677 68.2 125,037 1.57 7,612,592 69.0 92,277 1.21
432,700 3.7 521 0.12 350,274 3.2 71 0.02
3,265,708 28.1 37,937 1.16 3,063,465 27.8 32,149 1.05
11,642,085 100.0 163,495 1.40 11,026,331 100.0 124,497 1.13
1,250.37 327.60 1.57%
379.37 57.88 1.16%
48
2015 6 30 2014 12 31
% % % %
512,947 4.4 7,277 1.42 475,485 4.3 5,139 1.08
2,284,054 19.6 36,388 1.59 2,191,188 19.9 26,208 1.20
1,506,290 12.9 26,984 1.79 1,453,273 13.2 23,858 1.64
1,955,512 16.8 26,941 1.38 1,861,749 16.9 20,611 1.11
1,621,240 13.9 21,570 1.33 1,500,909 13.6 17,194 1.15
2,121,647 18.3 31,373 1.48 1,988,934 18.0 20,701 1.04
654,072 5.6 7,179 1.10 625,457 5.7 6,932 1.11
986,323 8.5 5,783 0.59 929,336 8.4 3,854 0.41
11,642,085 100.0 163,495 1.40 11,026,331 100.0 124,497 1.13
2,530.44 41.1% 569.87
6.1%
H 49
2015 6 30 2014 12 31
% % % %
1,610,032 22.9 49,009 3.04 1,532,947 22.7 35,681 2.33
268,330 3.8 6,892 2.57 256,186 3.8 3,637 1.42
249,927 3.6 9,441 3.78 238,857 3.5 6,288 2.63
181,525 2.6 6,979 3.84 175,163 2.6 4,819 2.75
142,890 2.0 6,097 4.27 139,117 2.1 4,181 3.01
132,682 1.9 1,456 1.10 121,013 1.8 906 0.75
117,052 1.7 771 0.66 111,892 1.7 908 0.81
101,304 1.4 4,063 4.01 98,443 1.5 3,569 3.63
73,226 1.0 2,655 3.63 70,236 1.0 1,980 2.82
62,874 0.9 150 0.24 51,951 0.8 204 0.39
280,222 4.0 10,505 3.75 270,089 3.9 9,189 3.40
1,392,474 19.9 4,008 0.29 1,335,127 19.8 4,226 0.32
776,986 11.1 47,357 6.09 772,536 11.5 35,612 4.61
753,663 10.7 1,374 0.18 699,649 10.4 1,353 0.19
633,792 9.0 3,839 0.61 575,469 8.5 2,164 0.38
465,660 6.6 232 0.05 470,014 7.0 56 0.01
459,275 6.5 4,444 0.97 443,471 6.6 3,713 0.84
248,613 3.5 2,204 0.89 262,338 3.9 1,576 0.60
223,736 3.2 2,482 1.11 205,881 3.1 1,242 0.60
155,898 2.2 2,118 1.36 159,469 2.4 1,312 0.82
123,181 1.8 333 0.27 114,012 1.7 429 0.38
183,808 2.6 2,128 1.16 172,986 2.4 1,306 0.75
7,027,118 100.0 119,528 1.70 6,743,899 100.0 88,670 1.31
2015
770.85 5.0%
583.23
10.1%
573.47 4.3%
540.14 7.7%
50
41,245 216,336 257,581
32,620 9,332 41,952
45,173 61,721 106,894
318 (318) –
(12,871) (52,071) (64,942)
(2,091) – (2,091)
326 88 414
(24,662) (6,684) (31,346)
436 192 628
47,874 219,264 267,138
2015 6 2,671.38 95.57
163.39% 2.29% 2.43%
2015 6 30 2014 12 31
% %
5,339,362 45.8 4,964,791 45.0
2,258,520 19.4 2,070,366 18.8
1,490,342 12.8 1,372,605 12.5
432,700 3.7 350,274 3.2
1,601,111 13.8 1,534,012 13.9
3,211,270 27.6 3,154,923 28.6
11,642,085 100.0 11,026,331 100.0
53,393.62 3,745.71 7.5% 14,903.42
1,177.37 8.6% 32,112.70 563.47 1.8%
H 51
2015 6 30 2014 12 31
% %
3 134,433 1.15 95,410 0.87
3 1 95,266 0.82 65,134 0.59
1 3 44,281 0.38 35,152 0.32
3 15,294 0.13 14,882 0.13
289,274 2.48 210,578 1.91
2,892.74 786.96 3 1,548.41
396.73
53.39 7.60 16.6% 3
15.62 3.64
491.30 201.42 85.76
43.64
4.5%
14.7% 2,686.02 2.3%
2015 6
%
A 82,871 0.7
B 31,750 0.3
C 27,988 0.2
D 21,764 0.2
E 19,682 0.2
F 18,694 0.2
G 18,404 0.2
H 16,661 0.1
I 16,082 0.1
J 14,706 0.1
268,602 2.3
52
市場風險
銀行賬戶市場風險管理
交易賬戶市場風險管理
(VaR)
(VaR) 48.(c)(i)
(VaR)
市場風險分析
利率風險分析
2015
2015 6 1,489.53 2,494.22
16,174.23 2,329.70 1 5
3 3 1 1 5 5
2015 6 30 (3,892,613) 3,743,660 494,563 1,122,860
2014 12 31 (1,047,439) 1,147,908 361,676 1,022,777
48.(c)(ii)
48.(c)(ii)
H 53
匯率風險分析
2015
0.09%
2015 6 30 2014 12 31
341,676 55,100 262,643 42,334
(187,290) (30,203) (136,602) (22,018)
154,386 24,897 126,041 20,316
48.(c)(iii)
流動性風險
流動性風險分析
2015
2015
35.6%
108.7% 68.9% 176.0%
54
1
1 3
3 1
2015 6
3
1 1 3 1 1 5 5
2015 6 30 (9,143,178) 201,485 (257,099) (564,459) 3,310,167 4,804,777 3,261,944 1,613,637
2014 12 31 (7,958,354) (325,851) (782,933) (479,125) 3,082,273 4,628,344 3,372,950 1,537,304
48.(b)
內部控制與操作風險
內部控制
2015–2017
操作風險管理
H 55
法律風險
反洗錢
聲譽風險
國別風險
2015
56
2015
資本充足率及槓桿率
2015 6 12.13% 12.40% 14.17%
0.21
0.36
H 57
2015 6 30 2014 12 31
1,571,961 1,498,403
356,407 353,495
152,193 144,874
151,362 150,752
222,520 221,622
706,649 650,308
4,135 2,191
(21,305) (24,839)
11,903 11,670
8,620 8,487
1,422 1,279
(3,839) (3,796)
5,700 5,700
1,560,058 1,486,733
34,611 34,500
34,428 34,428
183 72
1,594,669 1,521,233
240,870 306,704
167,233 187,829
72,574 118,633
1,063 242
13,600 15,800
13,600 15,800
1,821,939 1,812,137
12,860,745 12,475,939
12.13% 11.92%
12.40% 12.19%
14.17% 14.53%
48.(d)
58
2015 6 30 2014 12 31
1,594,669 1,521,233
24,015,488 23,409,777
6.64% 6.50%
2015 6 2015
2014 2011
資本融資管理
H 59
2015
2025
+
2015
60
+
H 61
主要監管指標
2015 2014 2013
6 30 12 31 12 31
% >=25.0 35.6 33.2 30.2
>=25.0 108.7 91.1 61.0
% <=75.0 68.9 68.4 66.6
% >=100.0 (2)
176.0 142.4
% <=10.0 4.5 4.8 4.2
% 14.7 14.9 16.2
% 2.4 2.7 1.7
21.3 17.2 9.7
24.5 37.4 43.9
7.2 5.2 9.5
(1)
(2) 2018 100%
2014 2015 2016 2017 60% 70% 80% 90%
按境內外會計準則編製的財務報表差異說明
2015 6 30
62
持 有 其 他 上 市 公 司 、金 融 企 業 股 權 情 況
%
1 BLR RW Bralirwa SA 88,585,627 2,649.25 79,706,265 43.1 7,044,578
2 NMB KN National Microfinance 36,788,476 319.96 34,428,355 18.6 5,698,987
Bank Plc
3 BOK RW Bank of Kigali Ltd 14,291,578 541.38 13,487,901 7.3 316,002
4 SAFCOM KN Safaricom Ltd 2,941,042 308.57 3,171,452 1.7 (136,077)
5 EABL TZ East African Breweries Ltd 3,786,287 14.88 2,826,751 1.5 35,724
6 UCSP KN Uchumi Supermarket Ltd 3,560,082 400.00 2,236,775 1.2 435,444
7 LAC MC Lafarge Ciments SA 1,926,360 0.18 2,180,904 1.2 (185,325)
8 MCBG MP MCB Group Ltd 2,057,932 5.41 2,070,942 1.1 (228,707)
9 IAM MC Maroc Telecom SA 2,063,870 2.83 1,941,626 1.0 177,317
10 GUARANTY NL Guaranty Trust Bank Plc 1,789,237 221.67 1,875,096 1.0 (343,082)
115,233,220 41,049,516 22.3 (32,278,003)
– – – – 250
273,023,711 — 184,975,583 100.0 (19,462,892)
% (3)
SBK 34,713,171,914 20.08 25,446,448,613 1,359,022,161 1,390,484,316
002013 125,279,356 3.00 778,801,355 646,469,245 (299,082,266)
FSS FSS 65,751,384 23.56 93,727,432 3,764,286 –
MY 77,244,802 1.61 43,304,599 – 9,708,683
M-CHAI-CS M-CHAI-CS 4,963,064 4.87 25,685,776 429,289 (691,254)
PPP-CS PPP-CS 745,862 1.32 5,389,449 116,529 902,025
2468 168,439,670 11.88 – – –
35,155,596,052 — 26,393,357,224 2,009,801,510 1,101,321,504 — —
(1) 1%
(2) FSS M-CHAI-CS PPP-CS
(3)
H 63
% (3)
146,250,000 11,250.00 3.84 146,250,000 6,187,500 –
102,301,500 20,043.00 6.28 102,301,500 – –
China New Enterprise 49,906,690 690.00 14.00 49,906,832 143 –
Investment Co
UkrAg Funding Ltd 16,321,032 157.00 4.65 16,321,032 – –
Ethemba Capital 11,121,115 154.00 3.51 11,121,115 – –
Asset Reconstruction 9,437,159 538.00 9.78 9,437,141 (19) –
Company Pte Ltd
BTMU 4,272,984 20.00 10.00 3,743,003 367,149 –
1,518,440 2.40 6.00 1,346,909 931,608 –
341,128,920 — — 340,427,532 7,486,381 – — —
(1) 1%
(2) China New Enterprise Investment Co UkrAg Funding Ltd Ethemba Capital Asset Reconstruction Company Pte Ltd
BTMU
(3)
2,184,988 11,444,312 13,629,300 528,343,078 –
98,267,033 67,638,777 30,628,256 1,287,618,996
64
資本充足率
資本充足率計算範圍
資本充足率計算結果
2015 6 30 2014 12 31
1,560,058 1,453,035 1,486,733 1,393,120
1,594,669 1,487,463 1,521,233 1,427,548
1,821,939 1,696,065 1,812,137 1,699,357
12.13% 12.26% 11.92% 12.05%
12.40% 12.55% 12.19% 12.35%
14.17% 14.31% 14.53% 14.70%
11.70% 12.07% 11.49% 11.82%
14.35% 14.42% 14.29% 14.35%
風險加權資產計量
2015 6 30 2014 12 31
11,580,966 11,091,736
7,558,820 7,478,053
4,022,146 3,613,683
189,611 79,189
135,901 68,888
53,710 10,301
1,068,357 1,068,357
21,811 236,657
12,860,745 12,475,939
H 65
信用風險
2015 6 30 2014 12 31
7,098,588 7,027,466
3,226,759 3,041,593
10,325,347 10,069,059
2015 6 30 2014 12 31
12,701,589 11,415,730
3,635,161 3,562,770
1,394,588 1,304,337
4,015,675 3,357,016
5,769 4,853
701,678 771,816
1,044,411 92,946
14,447,678 12,280,492
市場風險
2015 6 30 2014 12 31
10,872 5,511
4,297 824
2,638 824
1,626 0
32 –
1 –
15,169 6,335
66
99% 10 250
(VaR)
2015 1–6 2014 1–6
1,512 1,120 1,611 757 527 554 721 426
368 242 368 166 192 127 199 76
1,494 1,149 1,592 817 486 538 709 402
72 63 172 11 26 30 55 14
2,166 1,758 2,166 1,367 1,047 1,058 1,279 754
297 177 297 106 152 78 152 43
2,050 1,717 2,095 1,354 1,020 1,059 1,296 789
105 86 245 20 36 40 66 35
操作風險
2015 6 854.69
銀行賬戶股權風險
2015 6 30 2014 12 31
(1) (1) (2) (1) (1) (2)
25,412 908 64 28,049 840 506
3,083 3,067 1,749 2,789 3,127 1,267
28,495 3,975 1,813 30,838 3,967 1,773
(1)
(2)
H 67
普通股股份變動情況
2014 12 31 +, - 2015 6 30
% %
– – – – –
353,494,213,820 100.00 2,912,043,269 356,406,257,089 100.00
1. 266,700,169,270 75.45 2,912,043,269 269,612,212,539 75.65
2. 86,794,044,550 24.55 – 86,794,044,550 24.35
353,494,213,820 100.00 2,912,043,269 356,406,257,089 100.00
H 5
2007
68
股東數量和持股情況
830,147 H
135,938 A 694,209
10 2015 6 30
%
(3)
A 34.71 123,717,852,951 –
A 34.60 123,316,451,864 –
A 0.24 867,044,094 –
(4)
H 24.15 86,073,329,560 –
A 1.21 4,322,828,137 –
A 0.11 374,457,482 –
GIC PRIVATE LIMITED A 0.10 347,768,565 –
005L CT001 A 0.09 329,666,525 –
A 0.09 313,132,550 –
A 0.08 268,331,127 –
TEMASEK FULLERTON
ALPHA PTE LTD A 0.07 255,422,003 –
(1) H H
(2)
(3) 2015 1 1 2015 6 30 A 438,000,000 2015 6 30
0.1229%
2015 6 30 A 1,013,921,700
A 124,731,774,651
(4) 867,044,094 A 86,073,329,560 H
H 69
控股股東及實際控制人變更情況
主要股東及其他人士的權益和淡倉
主 要 股 東 及 根 據 香 港《證 券 及 期 貨 條 例》第XV部 第 2 及 第 3 分 部 須 予 披 露 的 權 益 或
淡倉的人士
2015 6 30
336
A
A A % %
(1)
118,006,174,032 43.77 33.11
(2)
123,729,852,951 45.89 34.72
(1) 2015 6 30 123,316,451,864
(2) 2015 6 30 123,717,852,951
H
H H % %
8,663,703,234 9.98 2.43
Temasek Holdings
(Private) Limited 7,812,951,355 9.00 2.19
JPMorgan Chase & Co. 1,195,256,564 1.38 0.34
719,439,581 0.83 0.20
99,300 0.00 0.00
4,358,333,535 5.02 1.22
6,273,128,980 7.23 1.76
372,939,609 0.43 0.10
Blackrock, Inc. 5,239,506,203 6.04 1.47
12,070,000 0.01 0.00
70
可轉債轉股及贖回情況
A 2014 11 19 2014 12 30
3.27 130% 4.25
2015 2 12 2015 2 12
24,985,764,000 A 14,236,000
2015 2 26 2015 2 26
2015 2 16
優先股相關情況
近三年優先股發行上市情況
2014 12 10
2014 12 11 2014
4603 6% 2,940,000,000 20 147,000,000
4604 6% 600,000,000 15 40,000,000
84602 6% 12,000,000,000 100 120,000,000
100
6
2015 3 9
(2015)189
4.5 450
2015 5 8
2015 6 4
(2015)1023 4.5
H 71
優先股股份變動情況
2
10 2015 6 30
%
Cede & Co. 47.9 147,000,000 –
The Bank of New York
Depository (Nominees) Limited 39.1 120,000,000 –
The Bank of New York
Depository (Nominees) Limited 13.0 40,000,000 –
(1)
(2)
(3)
優先股利潤分配情況
優先股贖回或轉換情況
優先股表決權恢復情況
優先股採取的會計政策及理由
[2014]13
72
董 事 、監 事 、高 級 管 理 人 員 基 本 情 況
16 4
6
6 MC
6 2
2 2
10
H 2,000
新 聘 、解 聘 情 況
董事
2014 4 15 2014
2015 6 2015 1 23 2015
2015 2
2015 3
2015 4
2015 6 19 2014
2015 6
2015 3 2015 4
監事
2015 6 19 2014
2015 6 19
2015 6 19
2015 6 19
H 73
高級管理人員
2015 6 23 2015 7 28
董 事 、監 事 個 人 信 息 變 動 情 況
2015 8 Aquis Entertainment Limited
2015 5 SOHO
2015 6 15
員工機構情況
2015 6 460,619 1
1,663
4,859 13,755
2015 6 17,510 50 17,111
399
2015 6 30
% % %
9,924,291 44.3 31 0.2 14,921 3.2
3,860,016 17.2 2,653 15.2 62,493 13.6
2,650,939 11.8 2,144 12.2 50,555 11.0
3,317,835 14.8 2,853 16.3 72,366 15.7
1,958,595 8.7 3,676 21.0 94,651 20.6
2,532,466 11.3 3,907 22.3 95,017 20.6
948,328 4.2 1,765 10.1 52,002 11.3
2,176,829 9.7 481 2.7 18,614 4.0
(4,952,004) (22.0)
22,417,295 100.0 17,510 100.0 460,619 100.0
(1)
1 1,220
74
公司治理
公司治理狀況及改善措施
符 合 香 港《上 市 規 則》附 錄 十 四《企 業 管 治 守 則》之 條 文
H 75
利潤及股息分配
2015 6 19 2014 2015 7 6
2014 1 1 2014 12 31 10
2.554 910.26 2015
募集資金的使用情況
重大訴訟 、仲裁事項
2015 6 30
40.96
媒體普遍質疑事項
重 大 資 產 收 購 、出 售 及 吸 收 合 併 事 項
收購標準銀行公眾有限公司 60%股份 2014 1 29
60% 5 2
20%
6
2015 2 1
76
收購Tekstilbank多數股份 2014 4 29
GSD Holding A.S. Tekstilbank 75.5%
2015 5 22
Tekstilbank
2015 7 20 8 14 Tekstilbank
72,730,110.49 Tekstilbank Tekstilbank
92.8169%
認購永豐銀行 20%股份 2013 4 2
20%
20% 2014 2 27
2015 4 1
2015 10 1
重大關聯交易事項
46
重大合同及其履行情況
重 大 託 管 、承 包 、租 賃 事 項
重大擔保事項
控股股東及其他關聯方佔用資金情況
H 77
公 司 或 持 股 5%以 上 的 股 東 承 諾 事 項
5% 2015 6 30
2006 10
A
2010 8
A
2010 11
A
(1)
(2)
2015 7
報 告 期 內 受 中 國 證 監 會 立 案 調 查 、行 政 處 罰 ，證 券 交 易 所 公 開 譴 責 ，及 其 他
監管部門和司法部門處罰的情況
5%
78
證券的買賣及贖回
董事及監事的證券交易
董 事 及 監 事 於 股 份 、相 關 股 份 及 債 權 證 的 權 益 2015 6 30
H 2,000 H
1,316,040 2015 6 30
XV
XV 7 8
352
員工持股計劃在報告期內的實施情況
審閱中期報告情況
2015
預測年初至下一報告期期末的累計淨利潤可能為虧損或者與上年同期相比發
生大幅度變動的警示及原因說明
H 79
-
-
-
80
82 23. 114
24. 115
83 25. 116
84 26.
85 117
86 27.
117
89
28. 118
29. 118
1. 91
30. 118
2. 91
31. 118
3. 94
32. 122
4. 95
33. 122
5. 95
34. 123
6.
35. 125
95 36. 126
7. 96 37. 127
8. 96 38.
9. 97 127
10. 39. 129
97 40. 130
11. 98 41. 131
12. 99 42. 131
13. 99 43. 132
14. 100 44. 132
15. 101 45. 132
16. 102 46. 133
17. 47. 138
102 48. 143
18. 102 49. 167
19. 106 50. 173
20. 106 51. 173
21. 108 52. 173
22. 111 53. 173
174
H 81
致中國工商銀行股份有限公司董事會：
引言
83 173
2015 6 30 2015 6 30
34
34
審閱工作範圍
2410
結論
34
10
8
2015 8 27
82
2015 6 30
6 30
2015 2014
3 437,295 412,613
3 (185,208) (175,006)
3 252,087 237,607
4 85,330 79,386
4 (8,210) (6,158)
4 77,120 73,228
5 2,165 1,626
6 (5,082) (4,977)
7 2,613 1,036
8 7,834 8,333
336,737 316,853
9 (101,499) (99,612)
20 (41,952) (23,988)
10 1 (179)
193,287 193,074
1,391 1,016
194,678 194,090
11 (45,252) (45,709)
149,426 148,381
149,021 148,100
405 281
149,426 148,381
13 0.42 0.42
13 0.42 0.42
12
91 173
H 83
2015 6 30
6 30
2015 2014
149,426 148,381
36
7,672 22,597
(34) 53
(297) (11)
(3,126) 1,902
4,215 24,541
153,641 172,922
152,961 172,605
680 317
153,641 172,922
91 173
84
2015 6 30
2015 2014
6 30 12 31
14 3,615,260 3,523,622
15 783,352 782,776
16 127,786 34,373
17 295,174 312,455
18 69,657 24,048
19 1,040,068 468,462
20 11,374,947 10,768,750
21 4,459,864 4,086,409
22 27,577 28,919
23 207,554 199,280
24 22,037 24,758
25 394,019 356,101
22,417,295 20,609,953
332 631
26 499,095 589,385
18 66,790 24,191
27 2,562,775 1,539,239
28 330,933 380,957
29 145,450 176,248
30 16,287,768 15,556,601
38,332 60,666
24 474 451
31 284,903 279,590
32 586,806 464,690
20,803,658 19,072,649
33 356,407 353,495
34 34,428 34,428
31 – 388
35 505,467 492,312
706,723 650,236
1,603,025 1,530,859
10,612 6,445
1,613,637 1,537,304
22,417,295 20,609,953
91 173
H 85
2015 6 30
2015 1 1 353,495 34,428 388 144,424 150,752 221,622 4,809 (26,103) (3,853) 661 492,312 650,236 1,530,859 6,445 1,537,304
– – – – – – – – – – – 149,021 149,021 405 149,426
– – – – – – 7,336 (3,057) (42) (297) 3,940 – 3,940 275 4,215
– – – – – – 7,336 – – – 7,336 – 7,336 336 7,672
– – – – – – – – (42) – (42) – (42) 8 (34)
– – – – – – – – – (297) (297) – (297) – (297)
– – – – – – – (3,057) – – (3,057) – (3,057) (69) (3,126)
– – – – – – 7,336 (3,057) (42) (297) 3,940 149,021 152,961 680 153,641
2014 12 – – – – – – – – – – – (91,026) (91,026) – (91,026)
(i) – – – – 610 – – – – – 610 (610) – – –
(ii) – – – – – 898 – – – – 898 (898) – – –
2,912 – – 7,761 – – – – – – 7,761 – 10,673 – 10,673
– – – – – – – – – – – – – 3,487 3,487
31 – – (388) – – – – – – – – – (388) – (388)
– – – – – – – – – (54) (54) – (54) – (54)
2015 6 30 356,407 34,428 – 152,185 151,362 222,520 12,145 (29,160) (3,895) 310 505,467 706,723 1,603,025 10,612 1,613,637
(i) 6.10
(ii) 8.98
91 173
86
2015 6 30
2014 1 1 351,390 1,960 138,852 123,870 202,940 (29,379) (24,038) (3,961) 551 408,835 511,949 1,274,134 4,329 1,278,463
– – – – – – – – – – 148,100 148,100 281 148,381
– – – – – 22,485 1,979 52 (11) 24,505 – 24,505 36 24,541
– – – – – 22,485 – – – 22,485 – 22,485 112 22,597
– – – – – – – 52 – 52 – 52 1 53
– – – – – – – – (11) (11) – (11) – (11)
– – – – – – 1,979 – – 1,979 – 1,979 (77) 1,902
– – – – – 22,485 1,979 52 (11) 24,505 148,100 172,605 317 172,922
2013 12 – – – – – – – – – – (91,960) (91,960) – (91,960)
(i) – – – 216 – – – – – 216 (216) – – –
(ii) – – – – 552 – – – – 552 (552) – – –
16 – 44 – – – – – – 44 – 60 – 60
– (6) – – – – – – – – – (6) – (6)
– – – – – – – – 24 24 – 24 – 24
2014 6 30 351,406 1,954 138,896 124,086 203,492 (6,894) (22,059) (3,909) 564 434,176 567,321 1,354,857 4,646 1,359,503
(i) 2.16
(ii) 5.52
91 173
H 87
2015 6 30
2014 1 1 351,390 – 1,960 138,852 123,870 202,940 (29,379) (24,038) (3,961) 551 408,835 511,949 1,274,134 4,329 1,278,463
– – – – – – – – – – – 275,811 275,811 475 276,286
– – – – – – 34,188 (2,065) 108 80 32,311 – 32,311 256 32,567
– – – – – – 34,188 – – – 34,188 – 34,188 362 34,550
– – – – – – – – 108 – 108 – 108 2 110
– – – – – – – – – 80 80 – 80 – 80
– – – – – – – (2,065) – – (2,065) – (2,065) (108) (2,173)
– – – – – – 34,188 (2,065) 108 80 32,311 275,811 308,122 731 308,853
2013 12 – – – – – – – – – – – (91,960) (91,960) – (91,960)
(i) – – – – 26,882 – – – – – 26,882 (26,882) – – –
(ii) – – – – – 18,682 – – – – 18,682 (18,682) – – –
– 34,428 – – – – – – – – – – 34,428 – 34,428
2,105 – – 5,572 – – – – – – 5,572 – 7,677 – 7,677
– – – – – – – – – – – – – 1,393 1,393
– – – – – – – – – – – – – (8) (8)
– – (1,572) – – – – – – – – – (1,572) – (1,572)
– – – – – – – – – 30 30 – 30 – 30
2014 12 31 353,495 34,428 388 144,424 150,752 221,622 4,809 (26,103) (3,853) 661 492,312 650,236 1,530,859 6,445 1,537,304
(i) 1.14 3.45
(ii) 5.20
91 173
88
2015 6 30
6 30
2015 2014
194,678 194,090
(1,391) (1,016)
9 8,600 7,829
9 1,183 1,131
(980) 578
20 41,952 23,988
10 (1) 179
331 (6,948)
6,441 5,645
3 (2,091) (1,215)
7 (2,555) (924)
5 (30) 1
6 5,082 4,977
(463) (426)
7 (58) (112)
250,698 227,777
135,537 (130,081)
43,278 (23,692)
(93,203) (19,355)
17,589 8,636
(125,407) (44,974)
(648,325) (714,006)
(127,036) (59,135)
(797,567) (982,607)
(91,243) 86,055
(299) 21
1,023,760 138,442
(50,024) (105,446)
(30,746) 43,069
731,459 1,091,999
114,198 (13,898)
1,697,105 1,240,242
1,150,236 485,412
(66,387) (67,321)
1,083,849 418,091
91 173
H 89
2015 6 30
6 30
2015 2014
(17,482) (19,981)
678 495
(876,105) (587,502)
512,323 499,566
– (10)
596 570
(379,990) (106,862)
49 –
39,291 24,349
(3,776) (4,013)
(21,258) (23,794)
– (69,246)
14,306 (72,704)
718,165 238,525
994,264 957,402
(940) 8,940
39 1,711,489 1,204,867
425,951 398,109
(168,638) (150,557)
91 173
90
2015 6 30
1. 公 司 簡 介
1984 1 1
2005 10 28
B0001H111000001
100000000003965 55
A H
601398 1398 4603
4604 84602
2. 編 製 基 礎 及 會 計 政 策
編製基礎
34 2015 8 27
2014 12 31
2410
會計判斷和會計估計
34
2014 12 31
H 91
2015 6 30
合併基礎
2015 6 30
2015 2014
6 30 12 31
% %
100 100 235.92
100 100 48.82
100 100 89.33
100 100 2
* 80 80 2
100 100 2.15
98.61 98.61 26,922
100 100 23.10
* 100 100 110
89.33 89.33 4.61
* 60 60 2
* 100 100 1
92
2015 6 30
2015 2014
6 30 12 31
% %
80 80 15,800
100 100 3.31
97.86 97.86 201.32
100 100 5,000
* 60 60 87.05
80 80 3.09
80 80 13.45
100 100 5,000
100 100 2.02
6,037.77
100 100
100 100 6.64
Tekstilbank 75.5 – 9.69
60 – 10.83
*
重要會計政策
2015 1 1
2014 12 31
19
H 93
2015 6 30
2010–2012
2010–2012
2
3 8 13
24 16
38
2011–2013
2011–2013
1
3 13 40
3. 利 息 淨 收 入
6 30
2015 2014
(i)
217,660 213,873
84,365 79,130
9,837 4,750
(ii) 82,664 77,490
24,538 23,695
18,231 13,675
437,295 412,613
(151,971) (146,493)
(25,428) (21,474)
(7,809) (7,039)
(185,208) (175,006)
252,087 237,607
(i) 20.91 2014 6 30
12.15
(ii) 0.25 2014 6 30
0.14
94
2015 6 30
4. 手 續 費 及 佣 金 淨 收 入
6 30
2015 2014
(i) 19,051 10,108
18,684 16,861
15,197 19,685
15,015 16,701
(i) 9,235 7,056
(i) 2,732 3,532
2,702 2,841
(i) 1,147 1,162
1,567 1,440
85,330 79,386
(8,210) (6,158)
77,120 73,228
(i)
92.81 2014 6 30 81.75
5. 交 易 淨 收 入
6 30
2015 2014
872 952
30 (1)
1,263 675
2,165 1,626
6. 指 定 為 以 公 允 價 值 計 量 且 其 變 動 計 入 當 期 損 益 的 金 融 資 產 和 負 債 淨 損 失
6 30
2015 2014
8,009 9,286
(13,091) (14,263)
(5,082) (4,977)
H 95
2015 6 30
7. 金 融 投 資 淨 收 益
6 30
2015 2014
52 109
6 3
58 112
2,555 924
2,613 1,036
8. 其 他 營 業 淨 收 入
6 30
2015 2014
(i) 195 318
1,404 3,270
3,844 3,118
521 478
36 53
487 –
1,347 1,096
7,834 8,333
(i)
6 30
2015 2014
15,000 7,750
– (45)
15,000 7,705
(14,805) (7,387)
195 318
96
2015 6 30
9. 營 業 費 用
6 30
2015 2014
31,233 31,108
11,515 11,604
(i) 7,355 6,740
50,103 49,452
23 8,600 7,829
3,808 3,545
1,107 1,241
1,217 1,210
14,732 13,825
1,183 1,131
8,836 10,093
21,667 20,493
4,978 4,618
101,499 99,612
(i)
10. 除 客 戶 貸 款 及 墊 款 外 的 資 產 減 值 損 失
6 30
2015 2014
15 (3) (29)
21(d) (9) (9)
21(c)(i), (d) (14) 83
25 134
(1) 179
H 97
2015 6 30
11. 所 得 稅 費 用
(a) 所 得 稅 費 用
6 30
2015 2014
42,010 43,042
823 779
1,162 1,200
43,995 45,021
59 292
1,198 396
45,252 45,709
(b) 所 得 稅 費 用 與 會 計 利 潤 的 關 係
25%
6 30
2015 2014
194,678 194,090
(25%) 48,670 48,523
(144) (176)
(i) 1,126 1,452
(ii) (4,575) (4,383)
(348) (254)
59 292
464 255
45,252 45,709
(i)
(ii)
98
2015 6 30
12. 股 利
6 30
2015 2014
2014 0.2554 2013 0.2617 91,026 91,960
13. 每 股 收 益
6 30
2015 2014
149,021 148,100
356,026 351,390
0.42 0.42
6 30
2015 2014
149,021 148,100
13 231
149,034 148,331
356,026 351,390
– 5,006
356,026 356,396
0.42 0.42
H 99
2015 6 30
14. 現 金 及 存 放 中 央 銀 行 款 項
2015 6 30 2014 12 31
85,286 88,714
(i) 342,974 80,436
43,244 31,935
471,504 201,085
(ii) 2,785,171 2,967,011
312,659 337,092
(ii) 45,794 18,232
(ii) 132 202
3,143,756 3,322,537
3,615,260 3,523,622
(i)
(ii)
2015 6 30
100
2015 6 30
15. 存 放 和 拆 放 同 業 及 其 他 金 融 機 構 款 項
2015 6 30 2014 12 31
202,200 202,309
2,636 1,331
75,761 100,864
280,597 304,504
(227) (231)
280,370 304,273
99,216 90,107
229,052 272,392
174,741 116,030
503,009 478,529
(27) (26)
502,982 478,503
783,352 782,776
2015 6 30 1,092.66
2014 12 31 1,637.00
1,993.16 2014 12 31 1,766.24
2014 1 1 183 66 249
48 (40) 8
2014 12 31 2015 1 1 231 26 257
(4) 1 (3)
2015 6 30 227 27 254
H 101
2015 6 30
16. 為 交 易 而 持 有 的 金 融 資 產
2015 6 30 2014 12 31
38,265 23,970
89,077 10,020
444 383
127,786 34,373
156 64
18,293 2,634
19,816 21,272
38,265 23,970
17. 指 定 為 以 公 允 價 值 計 量 且 其 變 動 計 入 當 期 損 益 的 金 融 資 產
2015 6 30 2014 12 31
76,260 101,560
42,480 71,096
176,434 139,799
295,174 312,455
– 62
2,220 3,312
292,954 309,081
295,174 312,455
18. 衍 生 金 融 工 具
2015 6 30
609.01 595.76 385.86
372.61
102
2015 6 30
2015 6 30
3 3 1 1 5 5
1,163,367 880,240 108,629 5,112 2,157,348 28,590 (28,567)
27,440 50,131 1,049 – 78,620 264 –
20,948 23,041 42 – 44,031 – (259)
1,211,755 953,412 109,720 5,112 2,279,999 28,854 (28,826)
118,110 371,910 614,925 143,366 1,248,311 27,825 (27,844)
118,037 179,127 167,231 – 464,395 74 (123)
52,381 3,453 1,495 – 57,329 95 –
54,693 3,425 1,217 15 59,350 – (63)
343,221 557,915 784,868 143,381 1,829,385 27,994 (28,030)
870,400 354,426 64,248 915 1,289,989 12,809 (9,934)
2,425,376 1,865,753 958,836 149,408 5,399,373 69,657 (66,790)
2014 12 31
3 3 1 1 5 5
1,015,906 753,091 92,944 4,237 1,866,178 19,068 (20,281)
12,670 32,181 301 – 45,152 165 –
9,564 6,919 99 – 16,582 – (140)
1,038,140 792,191 93,344 4,237 1,927,912 19,233 (20,421)
70,707 88,816 152,041 33,598 345,162 2,408 (2,382)
5,198 11,219 819 – 17,236 2 (5)
75,905 100,035 152,860 33,598 362,398 2,410 (2,387)
185,228 52,507 1,304 219 239,258 2,405 (1,383)
1,299,273 944,733 247,508 38,054 2,529,568 24,048 (24,191)
H 103
2015 6 30
現金流量套期
2015 6 30
3 3 1 1 5 5
– 774 1,039 3,719 5,532 186 (23)
3,512 3,041 – – 6,553 10 (46)
– 25 – – 25 – –
73 29 69 – 171 78 –
3,585 3,869 1,108 3,719 12,281 274 (69)
2014 12 31
3 3 1 1 5 5
318 378 1,778 3,734 6,208 190 (31)
3,022 6,508 – – 9,530 98 –
– 25 – – 25 – –
3,340 6,911 1,778 3,734 15,763 288 (31)
2014 6 30
公允價值套期
6 30
2015 2014
44 59
(46) (61)
(2) (2)
104
2015 6 30
2015 6 30
3 3 1 1 5 5
– 69 – – 69 18 –
546 372 13,004 3,647 17,569 326 (181)
546 441 13,004 3,647 17,638 344 (181)
2014 12 31
3 3 1 1 5 5
– 69 – – 69 16 –
470 837 8,748 3,688 13,743 51 (217)
470 906 8,748 3,688 13,812 67 (217)
2015 6 30 2014 12 31
40,497 24,882
26,573 22,676
1,431 1,631
2,234 565
10,259 10
14,276 17,717
54,773 42,599
H 105
2015 6 30
19. 買 入 返 售 款 項
2015 6 30 2014 12 31
(i) 979,294 388,512
60,774 79,950
1,040,068 468,462
698,572 232,592
280,722 155,920
979,294 388,512
711,401 251,777
267,893 133,752
– 2,983
979,294 388,512
(i)
2015
6 30 4,211.36 2014 12 31 3,850.31
4,546.67 2014 12 31 4,297.05
1,136.74 2014 12 31 1,107.48 1,472.05
2014 12 31 1,554.22
(ii)
2015 6 30 1,422.34 2014 12 31
1,891.95 1,590.63
2014 12 31 1,687.69
20. 客 戶 貸 款 及 墊 款
2015 6 30 2014 12 31
7,943,677 7,612,592
3,265,708 3,063,465
432,700 350,274
11,642,085 11,026,331
(267,138) (257,581)
11,374,947 10,768,750
106
2015 6 30
2014 1 1 39,065 201,894 240,959
37,610 18,657 56,267
59,516 134,411 193,927
861 (861) –
(22,767) (114,893) (137,660)
(2,779) – (2,779)
(33,875) (4,489) (38,364)
1,224 274 1,498
2014 12 31 2015 1 1 41,245 216,336 257,581
32,620 9,332 41,952
45,173 61,721 106,894
318 (318) –
(12,871) (52,071) (64,942)
3 (2,091) – (2,091)
326 88 414
(24,662) (6,684) (31,346)
436 192 628
2015 6 30 47,874 219,264 267,138
2014 1 1 172,417 68,542 240,959
40,176 16,091 56,267
155,673 38,254 193,927
(115,497) (22,163) (137,660)
(2,779) – (2,779)
(33,875) (4,489) (38,364)
1,224 274 1,498
2014 12 31 2015 1 1 177,163 80,418 257,581
33,103 8,849 41,952
84,368 22,526 106,894
(51,265) (13,677) (64,942)
3 (2,091) – (2,091)
372 42 414
(24,662) (6,684) (31,346)
436 192 628
2015 6 30 184,321 82,817 267,138
H 107
2015 6 30
2015 6 30 2014 12 31
125,558 92,348
11,516,527 10,933,983
11,642,085 11,026,331
(47,874) (41,245)
(219,264) (216,336)
(267,138) (257,581)
77,684 51,103
11,297,263 10,717,647
11,374,947 10,768,750
163,495 124,497
1.40% 1.13%
21. 金 融 投 資
2015 6 30 2014 12 31
(a) 375,282 331,731
(b) 2,646,489 2,566,390
(c) 1,438,093 1,188,288
4,459,864 4,086,409
(a) 應 收 款 項 類 投 資
2015 6 30 2014 12 31
(i) 112,128 112,128
(ii) 85,000 85,000
(iii) 178,154 134,603
375,282 331,731
2015 6 30 2014 12 31
45,119 23,720
330,163 308,011
375,282 331,731
108
2015 6 30
(i) 2000 2001
3,129.96 10
2.25% 2010 10
2015 6 30
2,008.68
(ii) 1998 850 2028
2.25%
(iii)
2015 7 2027 7 3.26% 8.60%
(b) 持 有 至 到 期 投 資
2015 6 30 2014 12 31
2,646,625 2,566,532
(136) (142)
2,646,489 2,566,390
2015 6 30 2014 12 31
17,409 11,477
856,573 863,914
1,772,507 1,690,999
2,646,489 2,566,390
873,982 875,391
2015 6 30 6.55 2014
12 31 163.70 0.03% 2014 12 31 0.62%
H 109
2015 6 30
(c) 可 供 出 售 金 融 資 產
2015 6 30 2014 12 31
(i) 1,296,182 1,164,855
128,765 11,751
(i) 12,311 10,889
(ii) 835 793
1,045 1,061
460 402
(670) (670)
1,438,093 1,188,288
29,835 23,843
233,123 211,051
1,033,224 929,961
1,296,182 1,164,855
215 1,391
6,082 3,040
6,849 7,251
13,146 11,682
262,958 234,894
6,297 4,431
269,255 239,325
(i) 2015 6 30
0.49 2014 12 31 0.75
5.71 2014 12 31 5.93
0.14 2014 6 30 0.02
2014 6 30 0.81
(ii)
2014 6 30 2.44 2014
6 30 2.13
110
2015 6 30
(d) 持 有 至 到 期 投 資 和 以 成 本 計 量 的 可 供 出 售 類 權 益 投 資 減 值 準 備 變 動 如 下 ：
2014 1 1 142 803 945
41 – 41
(38) – (38)
(3) (195) (198)
– 62 62
2014 12 31 2015 1 1 142 670 812
1 – 1
(10) – (10)
3 – 3
2015 6 30 136 670 806
22. 對 聯 營 及 合 營 公 司 的 投 資
2015 6 30 2014 12 31
(a) 25,752 27,005
(b) 1,825 1,914
27,577 28,919
2015 6 30 2014 12 31
17,203 16,954
10,722 12,313
27,925 29,267
(348) (348)
27,577 28,919
H 111
2015 6 30
(a) 投 資 聯 營 公 司
(i)
% %
2015 2014 2015
6 30 12 31 6 30
(i) 20.08 20.08 20.08
(i)
2015 6 30 263.56 2014 12 31
250.19
2015 6 30 2014 12 31
940,245 1,021,036
855,818 934,306
84,427 86,730
22,123 48,112
6,768 10,229
(2,347) 187
4,421 10,416
2,873 5,061
73,500 76,606
20.08% 20.08%
14,760 15,382
10,686 11,324
25,446 26,706
112
2015 6 30
(ii)
2015
6 30
2014
11 29
– –
11 29
(iii)
2015 6 30 2014 12 31
25,446 26,706
654 647
(348) (348)
25,752 27,005
(b) 投 資 合 營 公 司
2015 6 30 2014 12 31
1,825 1,914
2015
6 30
2014
21 74
– –
21 74
H 113
2015 6 30
23. 物 業 和 設 備
2014 1 1 117,755 24,911 8,257 59,730 34,013 244,666
4,398 10,643 973 8,731 29,070 53,815
5,931 (10,615) – 165 4,519 –
(671) (94) (568) (3,053) (778) (5,164)
2014 12 31
2015 1 1 127,413 24,845 8,662 65,573 66,824 293,317
206 1,323 333 1,057 15,494 18,413
988 (1,443) – 39 416 –
319 – – 160 – 479
(177) (9) (40) (903) (1,568) (2,697)
2015 6 30 128,749 24,716 8,955 65,926 81,166 309,512
2014 1 1 35,142 70 4,614 38,523 1,970 80,319
5,348 – 1,041 7,909 1,796 16,094
– – – – 123 123
(293) (29) (35) (2,120) (22) (2,499)
2014 12 31
2015 1 1 40,197 41 5,620 44,312 3,867 94,037
9 2,773 – 512 3,874 1,441 8,600
189 – – 97 – 286
(113) – (18) (737) (97) (965)
2015 6 30 43,046 41 6,114 47,546 5,211 101,958
2014 12 31 87,216 24,804 3,042 21,261 62,957 199,280
2015 6 30 85,703 24,675 2,841 18,380 75,955 207,554
2015 6 30 106.14 2014 12 31 107.81
2015 6 30 176.63 2014 12 31 155.98
114
2015 6 30
24. 遞 延 所 得 稅 資 產 和 負 債
(a) 按 性 質 分 析
2015 6 30 2014 12 31
104,553 26,126 104,244 25,807
(13,632) (3,390) (5,457) (1,341)
(3,357) (835) (2,400) (602)
20,971 5,243 25,791 6,448
(20,852) (5,107) (22,701) (5,554)
87,683 22,037 99,477 24,758
2015 6 30 2014 12 31
(535) (137) (465) (68)
1,145 317 396 70
1,146 294 2,474 449
1,756 474 2,405 451
(b) 遞 延 所 得 稅 的 變 動 情 況
2015 2015
1 1 6 30
25,807 319 – – 26,126
(1,341) – (2,049) – (3,390)
(602) (233) – – (835)
6,448 (1,205) – – 5,243
(5,554) (455) 737 165 (5,107)
24,758 (1,574) (1,312) 165 22,037
H 115
2015 6 30
2014 2014
1 1 12 31
19,612 6,195 – 25,807
9,782 – (11,123) (1,341)
(1,874) 1,272 – (602)
5,751 697 – 6,448
(4,411) (387) (756) (5,554)
28,860 7,777 (11,879) 24,758
2015 2015
1 1 6 30
(68) (69) – (137)
70 – 247 317
449 (155) – 294
451 (224) 247 474
2014 2014
1 1 12 31
(45) (23) – (68)
149 – (79) 70
316 127 6 449
420 104 (73) 451
25. 其 他 資 產
2015 6 30 2014 12 31
116,035 108,330
115,198 95,950
20,127 20,499
12,591 12,124
101,540 95,014
9,099 8,966
4,284 3,726
15,145 11,492
394,019 356,101
116
2015 6 30
26. 指 定 為 以 公 允 價 值 計 量 且 其 變 動 計 入 當 期 損 益 的 金 融 負 債
2015 6 30 2014 12 31
(1) 294,386 312,336
(2)(a) 138,986 217,431
(2)(b) 53,658 53,227
(2)(c) 6,248 6,227
5,817 164
499,095 589,385
(1)
2015 6 30
20.17 2014 12 31 15.31
(2)
(a) 2015 6 30 10.20
2014 12 31 5.88
(b) 2015 6 30 2014 12 31
(c) 2012 2014
2015 6 30
6.17 2014 12 31 6.41
2015 6 30 2014
27. 同 業 及 其 他 金 融 機 構 存 放 和 拆 入 款 項
2015 6 30 2014 12 31
2,009,289 941,769
114,609 165,007
2,123,898 1,106,776
155,065 136,819
283,812 295,644
438,877 432,463
2,562,775 1,539,239
H 117
2015 6 30
28. 賣 出 回 購 款 項
2015 6 30 2014 12 31
19(i) 295,153 344,380
35,780 36,577
330,933 380,957
188,267 191,763
106,886 152,617
295,153 344,380
286,161 332,578
8,992 10,834
– 968
295,153 344,380
29. 存 款 證
30. 客 戶 存 款
2015 6 30 2014 12 31
4,392,924 4,134,828
3,289,662 3,153,817
4,119,119 3,902,305
4,218,912 4,034,790
267,151 330,861
16,287,768 15,556,601
31. 已 發 行 債 務 證 券
2015 6 30 2014 12 31
(1)(a) 187,060 187,024
(1)(b) 13,913 9,638
200,973 196,662
(2) – 9,485
(3)
53,634 47,181
30,296 26,262
83,930 73,443
284,903 279,590
2015 6 30 307.96 2014 12 31
288.86
118
2015 6 30
(1) 次 級 債 券
(a)
2005 2009 2010 2011 2012 2014
2014 6 30
05 02 2005-8-19 100 3.77% 2005-9-6 2020-9-6 2005-10-11 130 (i)
09 02 2009-7-16 100 4.00% 2009-7-20 2024-7-20 2009-8-20 240 (ii)
10 01 2010-9-10 100 3.90% 2010-9-14 2020-9-14 2010-11-3 58 (iii)
10 02 2010-9-10 100 4.10% 2010-9-14 2025-9-14 2010-11-3 162 (iv)
11 01 2011-6-29 100 5.56% 2011-6-30 2031-6-30 2011-8-30 380 (v)
11 02 2011-12-29 100 5.50% 2011-12-30 2026-12-30 2012-1-17 500 (vi)
12 01 2012-6-11 100 4.99% 2012-6-13 2027-6-13 2012-7-13 200 (vii)
14 01 2014-8-4 100 5.80% 2014-8-5 2024-8-5 2014-9-24 200 (viii)
(i) 2015 9 6 300
(ii) 2019 7 20 300
(iii) 2015 9 14
(iv) 2020 9 14
(v) 2026 6 30
(vi) 2021 12 30
(vii) 2022 6 13
(viii) 2019 8 5
(b)
2010 11 30 5.125% 5
99.737% 2020 11 30
2011 11 4 6% 15
100% 2021 11 4
2013 10 10 4.5% 5
99.463% 2023 10 10
2014 9 10 3.2
99.298% 2024 9 10
H 119
2015 6 30
2006 7 27 8.012% 1.4
2016 7 27
2009 12 2 8.125% 5 2019 12 2
2014 6 30
(2) 可 轉 換 公 司 債 券
2010 8 31 250
A
2010-8-31 100 2010-8-31 2016-8-31 2010-9-10 250
21,998 3,002 25,000
(113) (17) (130)
21,885 2,985 24,870
2,580 – 2,580
(14,980) (2,597) (17,577)
2014 12 31 9,485 388 9,873
11 – 11
(9,482) (386) (9,868)
(14) (2) (16)
2015 6 30 – – –
(3) 其 他 已 發 行 債 務 證 券
2015 6 30
(i)
105.05 2015 2024 2015
8.34
2016 2022
(ii) 89.75 2015
2021 2015 29.79
2018
(iii) 2015 53.89
2015 2017
120
2015 6 30
(iv) 164.62 2015
2019 2015 25.41 2015
(v) 2015 37.21 2018
(vi) 2015 30.89 2020
(vii) 35.00 2015 2019
(viii) 19.93 2016 2018
(i) 25.81
2015 2016 2015
7.93 2015 2016
47.81 2015
(ii) Skysea International Capital Management Limited 2011
4.875% 7.5 97.708% 44.68
2021 12 7 Skysea International
Capital Management Limited 2015
71.58 2018 2020
(iii) 62.62 2015 2019
2015 17.17 2015
(iv) 2014 40.06 2017
(v) 2.1 2017
(vi) 1.09 2017
(vii) 7.21 2015
2016 2015 3.25
2016
H 121
2015 6 30
32. 其 他 負 債
2015 6 30 2014 12 31
253,977 242,433
112,786 104,972
91,047 –
16,318 21,038
4,461 4,798
11,846 11,612
1,141 2,409
95,230 77,428
586,806 464,690
2015 6 30 4,908.82 2014 12 31
4,033.35
33. 股 本
2015 6 30 2014 12 31
H 1 86,795 86,795 86,795 86,795
A 1 (i) 269,612 269,612 266,700 266,700
356,407 356,407 353,495 353,495
H A H
(i) 2010 8 31
25,000 A 100 250
2011 3 1 A A 2014 11 19 2014 12 30
A
3.27 130% 4.25
2015 2 12 A 2015 2 12
249,857,640 A 7,387,711,262
A 269,612,212,539 142,360
122
2015 6 30
34. 優 先 股
(a) 期 末 發 行 在 外 的 優 先 股 情 況 表
2014-12-10 6.00% 20 147 2,940 17,991
2014-12-10 6.00% 15 40 600 4,558
2014-12-10 6.00% 100 120 12,000 12,000
307 34,549
121
34,428
(b) 主 要 條 款
(i)
5 7
5
(ii)
(iii)
(iv)
H 123
2015 6 30
(v)
5.125%
H 5.125% H
H H
(1)
(2)
(vi)
5
7
5
(c) 發 行 在 外 的 優 先 股 變 動 情 況 表
2015 1 1 147 40 120 307
2,940 600 12,000
17,991 4,558 12,000 34,549
– – – –
– – –
– – – –
– – – –
– – –
– – – –
2015 6 30 147 40 120 307
2,940 600 12,000
17,991 4,558 12,000 34,549
(d) 股 利 的 設 定 機 制
124
2015 6 30
(e) 歸 屬 於 權 益 工 具 持 有 者 的 相 關 信 息
2015 1 1 2015 6 30
1. 1,530,859 1,603,025
(1) 1,496,431 1,568,597
(2) 34,428 34,428
2. 6,445 10,612
(1) 6,445 10,612
(2) – –
35. 儲 備
(a) 資 本 公 積
(b) 盈 餘 公 積
(i)
10%
50%
25%
(ii)
(iii)
(c) 一 般 準 備
2012 7 1
1.5%
(d) 投 資 重 估 儲 備
H 125
2015 6 30
(e) 外 幣 報 表 折 算 差 額
(f) 現 金 流 量 套 期 儲 備
(g) 其 他 儲 備
36. 其 他 綜 合 收 益
6 30
2015 2014
9,705 27,228
263 2,388
(2,296) (7,019)
7,672 22,597
(35) 66
1 (13)
(34) 53
(297) (11)
(3,126) 1,902
4,215 24,541
126
2015 6 30
37. 收 購 子 公 司
(1) 工 銀 標 準
2014 1 29
60% 5
2 20%
6
2015 2 1 2015 3 27
60%
(2) 土 耳 其Tekstilbank
2014 4 29 GSD Holding A.. Tekstilbank
75.5% 2015 5
22 Tekstilbank
2015 7 20 8 14 Tekstilbank
72,730,110.49 Tekstilbank
Tekstilbank 92.8169%
38. 在 未 納 入 合 併 財 務 報 表 範 圍 的 結 構 化 主 體 中 的 權 益
(1) 在 第 三 方 機 構 發 起 設 立 的 結 構 化 主 體 中 享 有 的 權 益
2015 6 30
2015 6 30 2014 12 31
14,176 14,176 3,872 3,872
204,478 204,478 139,194 139,194
10,892 10,892 11,225 11,225
5,654 5,654 6,459 6,459
235,200 235,200 160,750 160,750
H 127
2015 6 30
2015 6 30
2015 6 30
– 13,976 – 200
– 737 176,072 27,669
– – – 10,892
133 5,391 – 130
133 20,104 176,072 38,891
2014 12 31
– 3,672 – 200
– – 139,004 190
– – – 11,225
465 4,666 – 1,328
465 8,338 139,004 12,943
(2) 在 本 集 團 作 為 發 起 人 但 未 納 入 合 併 財 務 報 表 範 圍 的 結 構 化 主 體 中 享 有 的 權 益
2015 6 30
2015 6 30
17,089.22 2014 12 31 14,548.36 7,537.89
2014 12 31 5,903.86
128
2015 6 30
(3) 本 集 團 於 報 告 期 內 發 起 但 於2015年6月30日 已 不 再 享 有 權 益 的 未 納 入 合 併 財 務 報 表 範
圍的結構化主體
20.89 2014
6 30 35.21
0.14 2014 6 30
2015 1 1 2015 6 30
4,020.35 2014 1 1 2014 6 30
10,812.35
2015 1 1 2015 6 30
106.26 2014 1 1 2014 6 30 67.68
39. 合 併 現 金 流 量 表 附 註
現金及現金等價物
2015 6 30 2014 6 30
14 85,286 84,690
14 342,974 293,388
223,601 189,223
691,347 191,319
368,281 446,247
1,711,489 1,204,867
H 129
2015 6 30
40. 金 融 資 產 的 轉 讓
賣出回購交易及證券借出交易
2015 6 30 2014 12 31
4,466 4,400 1,998 1,472
57,864 – 13,361 –
62,330 4,400 15,359 1,472
信貸資產證券化
2015
6 30
225.60 2014 12 31 91.64
11.70 2014 12 31 2.68
2015 6 30
1.91 2014 12 31 2.70 0.34 2014 12
31 1.26
130
2015 6 30
41. 股 票 增 值 權 計 劃
2006
H
10
42. 承 諾 和 或 有 負 債
(a) 資 本 性 支 出 承 諾
2015 6 30 2014 12 31
814 850
26,998 28,738
27,812 29,588
(b) 經 營 性 租 賃 承 諾
2015 6 30 2014 12 31
5,203 5,210
10,679 12,389
2,211 580
18,093 18,179
(c) 信 貸 承 諾
2015 6 30 2014 12 31
358,433 348,924
40,720 33,369
228,976 274,186
49,642 56,096
268,926 334,838
217,234 235,664
637,480 584,362
508,947 474,684
2,310,358 2,342,123
H 131
2015 6 30
2015 6 30 2014 12 31
(i) 1,011,637 1,014,045
(i)
(d) 未 決 訴 訟
2015 6 30 40.96 2014
12 31 30.01
(e) 國 債 兌 付 承 諾
2015 6 30
964.91 2014 12 31 908.74
(f) 承 銷 承 諾
2015 6 30 2014 12 31
43. 委 託 資 金 及 貸 款
2015 6 30 2014 12 31
984,253 940,303
983,797 939,773
44. 質 押 資 產
2015 6 30
1,487.10 2014 12 31 1,944.48
45. 受 託 業 務
4
132
2015 6 30
46. 關 聯 方 披 露
(a) 對 本 行 有 重 大 影 響 的 股 東
(i)
2015 6 30
34.60% 2014 12 31 34.88%
2015 6 30 2014 12 31
1,019,198 1,037,908
6 30
2015 2014
26,907 62,424
44,805 52,856
18,248 17,443
% %
1.15 8.75 1.77 6.34
2015 6 30 1,121.28 2014
12 31 1,121.28 21
46(g)
(ii)
2015 6 30 34.71% 2014 12 31
35.12% 2003 12 16
8,282.09 8,282.09
2015 6 30 216.30 2014 12 31
216.30 5 30 3.14% 4.20%
H 133
2015 6 30
2015 6 30 2014 12 31
20,900 20,821
618 239
20,976 16,506
14 26
6 30
2015 2014
363 309
47 26
% %
3.14 4.20 3.14 4.20
0.01 5.80 0.39 3.30
2015 6 30
2015 6 30 2014 12 31
923,798 973,027
127,319 82,410
31,688 –
632 537
171,643 143,845
567 425
6 30
2015 2014
16,019 18,790
323 306
574 –
1,336 548
% %
1.08 6.15 2.51 5.70
0 7.10 0 6.70
2.71 5.70 –
0 5.60 0.0001 7.20
134
2015 6 30
(b) 子 公 司
2015 6 30 2014 12 31
17,041 13,768
253,647 195,574
23,543 18,308
2,779 1,653
263,774 210,237
2,957 1,984
119,878 127,089
15,000 –
6 30
2015 2014
127 13
345 224
69 –
403 369
– 191
781 248
% %
0.76 4.50 1.56 3.15
0 4.90 0.30 5.65
1.20 6.46 –
0.0125 7.44 0.50 6.16
H 135
2015 6 30
(c) 聯 營 公 司 及 其 子 公 司
2015 6 30 2014 12 31
2,931 62
67 106
16,795 566
67 40
6 30
2015 2014
24 –
1 3
78 5
% %
0 0.35 0.09 1.90
2.69 2.23
0.01 5.50 0.35 1.90
0 0.56 –
(d) 合 營 公 司 及 其 子 公 司
2015 6 30 2014 12 31
21 –
6 30
2015 2014
– –
% %
0.01 1.15 0.35 0.58
136
2015 6 30
(e) 關 鍵 管 理 人 員
6 30
2015 2014
5,492 7,388
264 244
5,756 7,632
2015 6 30 2014 12 31
2015 6 30
36 2014 12 31 54
(f) 企 業 年 金 基 金
2014 12 31 2,736
(g) 與 中 國 國 有 企 業 的 交 易
H 137
2015 6 30
47. 分 部 信 息
(a) 經 營 分 部
138
2015 6 30
2015 6 30
148,700 8,995 93,380 1,012 252,087
(31,700) 80,572 (48,872) – –
42,544 34,574 329 (327) 77,120
(i) 737 1 3,838 2,954 7,530
160,281 124,142 48,675 3,639 336,737
(44,538) (44,559) (8,474) (3,928) (101,499)
(33,103) (8,849) – – (41,952)
(71) 4 43 25 1
82,569 70,738 40,244 (264) 193,287
– – – 1,391 1,391
82,569 70,738 40,244 1,127 194,678
(45,252)
149,426
3,830 3,007 1,550 213 8,600
547 373 251 12 1,183
9,207 7,129 3,727 450 20,513
2015 6 30
8,372,529 3,317,282 10,607,707 119,777 22,417,295
– – – 27,577 27,577
82,002 64,217 32,789 28,546 207,554
(ii) 15,883 7,212 5,232 12,524 40,851
9,123,443 7,711,124 3,803,122 165,969 20,803,658
1,801,411 508,947 – – 2,310,358
(i)
(ii)
H 139
2015 6 30
2014 6 30
143,622 5,973 87,552 460 237,607
(42,018) 77,624 (35,606) – –
47,082 26,037 326 (217) 73,228
(i) 592 2 3,006 2,418 6,018
149,278 109,636 55,278 2,661 316,853
(47,444) (41,343) (7,455) (3,370) (99,612)
(15,891) (8,097) – – (23,988)
(86) 3 5 (101) (179)
85,857 60,199 47,828 (810) 193,074
– – – 1,016 1,016
85,857 60,199 47,828 206 194,090
(45,709)
148,381
3,611 2,721 1,381 116 7,829
563 336 212 20 1,131
9,697 7,168 3,664 292 20,821
2014 12 31
7,978,544 3,110,238 9,402,275 118,896 20,609,953
– – – 28,919 28,919
81,543 60,209 30,286 27,242 199,280
(ii) 16,915 7,059 4,629 10,377 38,980
8,733,027 7,404,957 2,865,472 69,193 19,072,649
1,867,439 474,684 – – 2,342,123
(i)
(ii)
140
2015 6 30
(b) 地 理 區 域 信 息
2015 6 30
101,281 29,555 24,240 12,435 24,398 39,557 8,686 11,935 – 252,087
(64,353) 12,016 4,075 36,836 6,598 1,006 4,140 (318) – –
2,571 19,006 12,584 13,771 11,776 10,844 3,275 3,485 (192) 77,120
(i) 2,514 (1,202) 259 (705) (450) 591 (244) 6,767 – 7,530
42,013 59,375 41,158 62,337 42,322 51,998 15,857 21,869 (192) 336,737
(11,809) (15,388) (11,381) (16,924) (14,471) (16,879) (6,153) (8,686) 192 (101,499)
(897) (13,317) (13,138) (4,473) (3,983) (4,929) (494) (721) – (41,952)
16 (15) (3) 6 – (3) – – – 1
29,323 30,655 16,636 40,946 23,868 30,187 9,210 12,462 – 193,287
– – – – – – – 1,391 – 1,391
29,323 30,655 16,636 40,946 23,868 30,187 9,210 13,853 – 194,678
(45,252)
149,426
918 1,095 726 1,054 1,254 1,470 555 1,528 – 8,600
423 151 84 71 130 180 34 110 – 1,183
884 327 328 464 599 1,031 186 16,694 – 20,513
(i)
H 141
2015 6 30
(b) 地 理 區 域 信 息（續）
2015 6 30
9,924,291 3,860,016 2,650,939 3,317,835 1,958,595 2,532,466 948,328 2,176,829 (4,974,041) 22,395,258
– – – – – – – 27,577 – 27,577
13,587 25,297 11,690 18,365 19,029 23,413 10,334 85,839 – 207,554
(i) 11,054 5,841 2,689 3,595 5,288 6,043 1,324 4,633 – 40,467
22,037
22,417,295
8,623,036 3,830,263 2,619,299 3,274,401 1,934,747 2,501,043 935,999 2,020,105 (4,974,041) 20,764,852
38,806
20,803,658
522,608 418,284 209,918 370,514 132,157 211,711 61,679 383,487 – 2,310,358
(i)
2014 6 30
92,232 29,637 22,467 15,608 22,463 35,457 9,033 10,710 – 237,607
(69,523) 12,189 5,323 33,608 8,254 5,000 4,724 425 – –
2,595 18,116 11,824 12,440 11,989 10,355 3,015 3,074 (180) 73,228
(i) 2,404 (772) 230 1,401 (369) (705) (30) 3,859 – 6,018
27,708 59,170 39,844 63,057 42,337 50,107 16,742 18,068 (180) 316,853
(8,742) (16,659) (12,454) (16,690) (15,216) (17,388) (6,405) (6,238) 180 (99,612)
(763) (7,683) (3,389) (3,218) (3,739) (3,467) (1,008) (721) – (23,988)
21 (17) 16 (5) 3 14 (13) (198) – (179)
18,224 34,811 24,017 43,144 23,385 29,266 9,316 10,911 – 193,074
– – – – – – – 1,016 – 1,016
18,224 34,811 24,017 43,144 23,385 29,266 9,316 11,927 – 194,090
(45,709)
148,381
889 1,130 740 1,010 1,219 1,382 535 924 – 7,829
466 100 67 61 114 168 34 121 – 1,131
1,229 509 300 423 665 1,009 293 16,393 – 20,821
(i)
142
2015 6 30
2014 12 31
8,820,680 4,680,319 3,342,070 3,394,573 2,008,309 2,579,889 1,001,247 1,919,486 (7,161,378) 20,585,195
– – – – – – – 28,919 – 28,919
14,363 26,113 12,294 19,086 19,839 24,204 10,748 72,633 – 199,280
(i) 11,274 5,986 2,691 3,631 5,307 5,674 1,325 3,092 – 38,980
24,758
20,609,953
7,431,623 4,693,296 3,457,784 4,344,494 1,983,382 2,555,769 959,520 747,042 (7,161,378) 19,011,532
61,117
19,072,649
469,704 438,216 319,851 419,494 129,088 158,055 58,811 348,904 – 2,342,123
(i)
48. 金 融 工 具 風 險 管 理
H 143
2015 6 30
(a) 信 用 風 險
144
2015 6 30
(a) 信 用 風 險（續）
H 145
2015 6 30
(a) 信 用 風 險（續）
19
2015 6 30
83,763.77 2014 12 31 79,628.66
39,090.86 2014 12 31 36,666.94
2015 6 30 32,657.08
2014 12 31 30,634.65 24,261.16
2014 12 31 25,775.34
48(a)(iii)
146
2015 6 30
(a) 信 用 風 險（續）
(i)
2015 6 30 2014 12 31
3,529,974 3,434,908
783,352 782,776
127,342 33,990
295,174 312,455
69,657 24,048
1,040,068 468,462
11,374,947 10,768,750
375,282 331,731
2,646,489 2,566,390
1,424,947 1,176,606
205,019 198,482
21,872,251 20,098,598
2,310,358 2,342,123
24,182,609 22,440,721
(ii)
H 147
2015 6 30
(a) 信 用 風 險（續）
2015 6 30
3,089,599 72,903 64,492 136,075 22,404 37,096 10,903 96,502 3,529,974
418,293 5,375 1,417 34,440 1,495 1,440 294 320,598 783,352
106,743 – – 145 – – – 20,454 127,342
291,632 7 17 78 26 31 60 3,323 295,174
14,943 2,155 4,939 1,917 128 444 1,530 43,601 69,657
845,335 – – – – – – 194,733 1,040,068
500,606 2,230,421 1,465,369 1,909,393 1,582,280 2,071,158 637,787 977,933 11,374,947
355,404 240 5,000 6,044 474 486 624 7,010 375,282
2,505,822 2,094 3,060 5,561 16,628 2,882 42,958 67,484 2,646,489
883,495 3,388 20,179 239,529 37,205 20,794 67,383 152,974 1,424,947
99,572 14,624 8,487 18,702 11,736 13,770 3,257 34,871 205,019
9,111,444 2,331,207 1,572,960 2,351,884 1,672,376 2,148,101 764,796 1,919,483 21,872,251
522,608 418,284 209,918 370,514 132,157 211,711 61,679 383,487 2,310,358
9,634,052 2,749,491 1,782,878 2,722,398 1,804,533 2,359,812 826,475 2,302,970 24,182,609
47(b)
2014 12 31
3,006,630 67,318 49,194 179,692 20,387 32,200 8,599 70,888 3,434,908
408,339 5,506 2,479 47,527 1,513 1,917 1,221 314,274 782,776
32,865 – – – – – – 1,125 33,990
301,231 172 126 7,675 58 79 20 3,094 312,455
9,377 1,371 5,519 848 255 322 910 5,446 24,048
256,230 – – 2,983 – – – 209,249 468,462
463,735 2,141,295 1,412,991 1,816,719 1,462,435 1,940,872 608,799 921,904 10,768,750
304,092 1,140 510 5,948 5,960 1,218 240 12,623 331,731
2,454,903 51,699 18,931 4,140 – – – 36,717 2,566,390
695,131 62,585 37,264 228,694 15,006 17,094 3,422 117,410 1,176,606
93,801 16,278 10,303 16,925 11,312 11,572 2,823 35,468 198,482
8,026,334 2,347,364 1,537,317 2,311,151 1,516,926 2,005,274 626,034 1,728,198 20,098,598
469,704 438,216 319,851 419,494 129,088 158,055 58,811 348,904 2,342,123
8,496,038 2,785,580 1,857,168 2,730,645 1,646,014 2,163,329 684,845 2,077,102 22,440,721
47(b)
148
2015 6 30
(a) 信 用 風 險（續）
48(a)(iv)
2015 6 30 2014 12 31
1,724,420 1,642,460
1,495,667 1,439,285
922,775 923,005
809,149 751,728
700,813 624,046
554,235 530,103
474,571 477,193
283,053 301,261
240,154 220,860
233,302 224,994
133,452 123,207
372,086 354,450
7,943,677 7,612,592
2,566,481 2,387,331
699,227 676,134
3,265,708 3,063,465
432,700 350,274
11,642,085 11,026,331
(iii)
2015 6 30 2014 12 31
11,350,885 10,814,697
127,705 87,137
163,495 124,497
11,642,085 11,026,331
(267,138) (257,581)
11,374,947 10,768,750
H 149
2015 6 30
(a) 信 用 風 險（續）
2015 6 30 2014 12 31
3,135,023 45,854 3,180,877 3,082,321 41,084 3,123,405
1,436,260 80,916 1,517,176 1,394,854 64,417 1,459,271
5,036,715 147,975 5,184,690 4,740,077 106,667 4,846,744
1,438,177 29,965 1,468,142 1,359,527 25,750 1,385,277
11,046,175 304,710 11,350,885 10,576,779 237,918 10,814,697
2015 6 30 2014 12 31
1 50,600 17,365 67,965 33,068 14,004 47,072
1–2 18,056 7,280 25,336 14,428 6,891 21,319
2–3 22,930 7,953 30,883 10,977 7,769 18,746
3 3521 – 3,521 – – –
95,107 32,598 127,705 58,473 28,664 87,137
100,512 62,420 162,932 57,332 54,452 111,784
2015 6 30 435.06
2014 12 31 289.25
150
2015 6 30
(a) 信 用 風 險（續）
2015 6 30 2014 12 31
5,339 4,579
2,009 2,061
8.42 2014 6 30
5.68
(iv)
2015 6 30
87,486 1,334,974 159,370 13,717 – 1,595,547
15,090 1,243,884 387,183 1,831 29,227 1,677,215
1,500 19,912 111,838 332 7,359 140,941
188,828 20,452 184,541 4,467 4,535 402,823
43,617 27,218 453,201 17,918 35,139 577,093
336,521 2,646,440 1,296,133 38,265 76,260 4,393,619
(*)
– 68 – – – 68
– 117 49 – – 166
– 185 49 – – 234
– (136) – – – (136)
– 49 49 – – 98
336,521 2,646,489 1,296,182 38,265 76,260 4,393,717
H 151
2015 6 30
(a) 信 用 風 險（續）
2014 12 31
87,486 1,231,741 136,276 2,636 – 1,458,139
15,090 1,275,337 367,455 789 29,120 1,687,791
1,500 21,125 93,488 192 3,021 119,326
167,278 16,666 162,806 796 11,565 359,111
47,564 21,468 404,755 19,557 57,854 551,198
318,918 2,566,337 1,164,780 23,970 101,560 4,175,565
(*)
– 78 – – – 78
– 117 75 – – 192
– 195 75 – – 270
– (142) – – – (142)
– 53 75 – – 128
318,918 2,566,390 1,164,855 23,970 101,560 4,175,693
(*)
(b) 流 動 性 風 險
152
2015 6 30
(b) 流 動 性 風 險（續）
(i)
2015 6 30
1 1 3 3 1 1 5 5 ***
784,163 – – – – – 2,831,097 3,615,260
(*) 248,150 1,101,210 228,109 219,817 26,100 34 – 1,823,420
– 8,490 17,371 83,394 6,961 11,126 444 127,786
362 25,975 6,259 50,398 186,818 21,088 4,274 295,174
– 7,903 28,237 17,822 13,145 2,550 – 69,657
52,560 766,777 901,598 2,804,766 2,852,480 3,854,813 141,953 11,374,947
– 104,504 180,637 558,623 2,412,994 1,189,859 13,247 4,459,864
– – – – – – 27,577 27,577
– – – – – – 207,554 207,554
229,043 21,944 25,967 39,591 26,418 37,295 35,798 416,056
1,314,278 2,036,803 1,388,178 3,774,411 5,524,916 5,116,765 3,261,944 22,417,295
– – – 160 172 – – 332
55,793 146,653 233,888 46,471 15,549 741 – 499,095
– 7,100 27,100 17,701 12,493 2,396 – 66,790
** 1,928,874 496,179 163,250 231,528 37,064 36,813 – 2,893,708
– 17,212 33,032 73,412 21,354 440 – 145,450
8,289,058 1,011,652 1,117,993 3,819,500 2,028,591 20,974 – 16,287,768
– 5,484 7,501 17,811 49,084 205,023 – 284,903
183,731 151,038 62,513 132,287 50,442 45,601 – 625,612
10,457,456 1,835,318 1,645,277 4,338,870 2,214,749 311,988 – 20,803,658
(9,143,178) 201,485 (257,099) (564,459) 3,310,167 4,804,777 3,261,944 1,613,637
(*)
**
***
H 153
2015 6 30
(b) 流 動 性 風 險（續）
2014 12 31
1 1 3 3 1 1 5 5 ***
538,177 – – – – – 2,985,445 3,523,622
(*) 362,407 645,635 113,831 99,055 30,310 – – 1,251,238
– 155 3,693 27,449 2,007 686 383 34,373
795 19,025 39,189 122,230 113,550 13,506 4,160 312,455
– 4,496 5,525 10,483 2,524 1,020 – 24,048
37,605 747,392 865,101 2,631,307 2,697,265 3,690,574 99,506 10,768,750
– 39,298 134,162 416,039 2,311,141 1,171,357 14,412 4,086,409
– – – – – – 28,919 28,919
– – – – – – 199,280 199,280
174,503 24,360 18,882 58,129 27,051 37,089 40,845 380,859
1,113,487 1,480,361 1,180,383 3,364,692 5,183,848 4,914,232 3,372,950 20,609,953
– – 295 150 186 – – 631
53,267 206,035 265,024 58,708 6,351 – – 589,385
– 4,210 5,639 10,612 2,731 999 – 24,191
** 922,373 494,320 264,540 191,326 15,779 31,858 – 1,920,196
– 33,936 53,404 66,727 21,738 443 – 176,248
7,908,683 999,881 1,291,090 3,361,635 1,958,020 37,292 – 15,556,601
– 4,606 11,189 13,091 46,806 203,898 – 279,590
187,518 63,224 72,135 141,568 49,964 11,398 – 525,807
9,071,841 1,806,212 1,963,316 3,843,817 2,101,575 285,888 – 19,072,649
(7,958,354) (325,851) (782,933) (479,125) 3,082,273 4,628,344 3,372,950 1,537,304
(*)
**
***
(ii)
154
2015 6 30
(b) 流 動 性 風 險（續）
2015 6 30
1 1 3 3 1 1 5 5 ***
784,163 – 3,822 – – – 2,831,097 3,619,082
(*) 250,792 1,140,329 242,740 228,649 29,718 42 – 1,892,270
– 8,514 17,626 84,929 7,257 11,213 444 129,983
362 26,436 7,726 58,459 191,185 41,538 4,274 329,980
** 53,452 830,123 1,054,855 3,328,986 4,537,427 5,582,095 211,803 15,598,741
– 125,482 211,766 678,518 2,792,077 1,427,871 13,247 5,248,961
182,248 13,085 634 473 169 51 6,582 203,242
1,271,017 2,143,969 1,539,169 4,380,014 7,557,833 7,062,810 3,067,447 27,022,259
(*)
**
***
2015 6 30
1 1 3 3 1 1 5 5
– – – 162 187 – – 349
55,793 146,784 234,743 46,774 18,034 797 – 502,925
(*) 1,929,187 506,494 165,312 236,553 43,786 41,455 – 2,922,787
– 17,437 33,342 75,550 21,775 521 – 148,625
8,290,250 1,013,366 1,144,434 3,888,219 2,155,455 24,970 – 16,516,694
– 6,593 10,563 23,185 82,790 262,710 – 385,841
127,671 28,355 441 6,603 18,488 3,697 7,056 192,311
10,402,901 1,719,029 1,588,835 4,277,046 2,340,515 334,150 7,056 20,669,532
– (52) (3) (2) (24) 111 – 30
– 1,189,262 836,736 1,217,259 249,803 38,147 – 3,531,207
– (1,189,508) (833,500) (1,217,370) (247,486) (38,595) – (3,526,459)
– (246) 3,236 (111) 2,317 (448) – 4,748
(*)
H 155
2015 6 30
(b) 流 動 性 風 險（續）
2014 12 31
1 1 3 3 1 1 5 5 ***
538,177 – 4,030 – – – 2,985,445 3,527,652
(*) 362,978 689,319 122,273 104,080 32,303 – – 1,310,953
– 164 3,836 29,015 2,291 759 383 36,448
795 19,376 41,228 124,895 121,307 13,910 4,160 325,671
** 38,313 819,226 1,039,168 3,217,940 4,643,923 5,658,407 151,851 15,568,828
– 48,610 160,080 539,907 2,696,242 1,398,445 14,412 4,857,696
146,900 19,800 4,564 3,964 150 62 8,259 183,699
1,087,163 1,596,495 1,375,179 4,019,801 7,496,216 7,071,583 3,164,510 25,810,947
(*)
**
***
2014 12 31
1 1 3 3 1 1 5 5
– – 296 153 203 – – 652
53,267 206,447 265,981 59,683 6,992 – – 592,370
(*) 922,652 495,736 266,186 196,947 18,295 33,683 – 1,933,499
– 34,189 53,902 68,015 22,453 536 – 179,095
7,910,143 1,002,203 1,307,264 3,450,308 2,085,875 46,026 – 15,801,819
– 4,627 11,510 20,991 79,094 260,034 – 376,256
67,980 28,138 27,609 37,415 17,277 6,991 5,815 191,225
8,954,042 1,771,340 1,932,748 3,833,512 2,230,189 347,270 5,815 19,074,916
– 6 5 11 (42) 43 – 23
– 687,144 660,772 882,747 94,650 4,456 – 2,329,769
– (683,700) (661,258) (884,026) (94,173) (4,454) – (2,327,611)
– 3,444 (486) (1,279) 477 2 – 2,158
(*)
156
2015 6 30
(b) 流 動 性 風 險（續）
(iii)
1 1 3 3 1 1 5 5
2015 6 30
698,291 164,620 276,564 511,928 445,299 213,656 2,310,358
1 1 3 3 1 1 5 5
2014 12 31
692,629 156,397 257,582 610,824 429,940 194,751 2,342,123
(c) 市 場 風 險
VaR
VaR
H 157
2015 6 30
(c) 市 場 風 險（續）
(i) (VaR)
(VaR)
250
99% 1
2015 6 30
2015
6 30
71 45 71 31
49 57 96 34
24 15 39 5
106 88 136 63
2014 6 30
2014
6 30
30 32 60 14
30 28 45 17
18 14 20 7
46 39 63 24
(1) 1
1
(2)
99%
(3)
158
2015 6 30
(c) 市 場 風 險（續）
(ii)
2015 2014 2015 2014
6 30 12 31 6 30 12 31
100 (17,585) (1,635) (32,770) (30,483)
100 17,585 1,635 34,726 32,354
H 159
2015 6 30
(c) 市 場 風 險（續）
2015 6 30
3 3 1 1 5 5
3,217,315 – – – 397,945 3,615,260
(*) 1,565,261 221,056 21,942 34 15,127 1,823,420
26,312 83,465 6,484 11,081 444 127,786
36,950 52,189 181,729 19,670 4,636 295,174
– – – – 69,657 69,657
3,979,193 6,927,975 196,888 156,788 114,103 11,374,947
431,005 644,803 2,207,918 1,162,992 13,146 4,459,864
– – – – 27,577 27,577
– – – – 207,554 207,554
391 104 11 – 415,550 416,056
9,256,427 7,929,592 2,614,972 1,350,565 1,265,739 22,417,295
– 160 172 – – 332
380,175 45,998 13,673 – 59,249 499,095
– – – – 66,790 66,790
** 2,605,980 245,806 28,698 6,651 6,573 2,893,708
69,932 65,828 9,250 440 – 145,450
10,068,765 3,812,293 2,026,800 17,562 362,348 16,287,768
24,188 15,847 41,816 203,052 – 284,903
– – – – 625,612 625,612
13,149,040 4,185,932 2,120,409 227,705 1,120,572 20,803,658
(3,892,613) 3,743,660 494,563 1,122,860
(*)
**
160
2015 6 30
(c) 市 場 風 險（續）
2014 12 31
3 3 1 1 5 5
3,097,706 – – – 425,916 3,523,622
(*) 1,117,192 101,192 27,269 – 5,585 1,251,238
4,327 27,444 1,553 666 383 34,373
59,088 122,379 112,527 13,506 4,955 312,455
– – – – 24,048 24,048
6,336,158 4,053,430 159,555 146,863 72,744 10,768,750
336,616 534,238 2,074,855 1,129,018 11,682 4,086,409
– – – – 28,919 28,919
– – – – 199,280 199,280
2,518 9,153 – – 369,188 380,859
10,953,605 4,847,836 2,375,759 1,290,053 1,142,700 20,609,953
295 150 186 – – 631
471,059 58,708 6,351 – 53,267 589,385
– – – – 24,191 24,191
** 1,675,165 193,198 15,158 30,487 6,188 1,920,196
103,831 64,932 7,042 443 – 176,248
9,727,351 3,360,963 1,953,002 34,420 480,865 15,556,601
23,343 21,977 32,344 201,926 – 279,590
– – – – 525,807 525,807
12,001,044 3,699,928 2,014,083 267,276 1,090,318 19,072,649
(1,047,439) 1,147,908 361,676 1,022,777
(*)
**
H 161
2015 6 30
(c) 市 場 風 險（續）
(iii)
2015 2014 2015 2014
6 30 12 31 6 30 12 31
-1% (4) (42) (587) (184)
-1% 105 572 (676) (585)
1%
162
2015 6 30
(c) 市 場 風 險（續）
2015 6 30
3,500,008 31,845 22,598 60,809 3,615,260
(*) 1,290,937 416,780 5,899 109,804 1,823,420
109,178 13,015 – 5,593 127,786
294,137 87 – 950 295,174
10,016 48,839 2,348 8,454 69,657
10,317,066 771,677 163,859 122,345 11,374,947
4,261,969 119,604 23,062 55,229 4,459,864
173 781 1,431 25,192 27,577
147,241 58,329 630 1,354 207,554
253,539 46,538 5,151 110,828 416,056
20,184,264 1,507,495 224,978 500,558 22,417,295
160 – – 172 332
433,504 10,114 – 55,477 499,095
6,125 50,724 2,374 7,567 66,790
** 2,267,823 496,725 12,029 117,131 2,893,708
40,582 79,632 4,126 21,110 145,450
15,456,677 499,845 208,043 123,203 16,287,768
208,640 60,330 1,687 14,246 284,903
498,792 64,032 6,420 56,368 625,612
18,912,303 1,261,402 234,679 395,274 20,803,658
1,271,961 246,093 (9,701) 105,284 1,613,637
1,776,303 422,540 64,055 47,460 2,310,358
(*)
**
H 163
2015 6 30
(c) 市 場 風 險（續）
2014 12 31
3,437,427 37,638 22,551 26,006 3,523,622
(*) 773,517 407,649 22,996 47,076 1,251,238
33,048 446 200 679 34,373
312,078 232 – 145 312,455
6,730 12,517 3,157 1,644 24,048
9,743,072 780,538 148,227 96,913 10,768,750
3,936,518 98,502 13,181 38,208 4,086,409
170 870 1,424 26,455 28,919
152,346 44,757 612 1,565 199,280
236,247 36,628 2,483 105,501 380,859
18,631,153 1,419,777 214,831 344,192 20,609,953
219 – – 412 631
529,931 6,227 – 53,227 589,385
3,948 14,609 3,477 2,157 24,191
** 1,270,960 532,625 10,405 106,206 1,920,196
57,040 90,490 9,793 18,925 176,248
14,798,876 403,863 231,560 122,302 15,556,601
221,052 39,353 3,891 15,294 279,590
474,466 32,883 5,993 12,465 525,807
17,356,492 1,120,050 265,119 330,988 19,072,649
1,274,661 299,727 (50,288) 13,204 1,537,304
1,773,168 427,876 87,527 53,552 2,342,123
(*)
**
164
2015 6 30
(d) 資 本 管 理
2013 1 1
2014 4
2018
8.50% 9.50%
11.50% 7.50%
8.50% 10.50%
H 165
2015 6 30
(d) 資 本 管 理（續）
2015 6 30 2014 12 31
1,571,961 1,498,403
356,407 353,495
152,193 144,874
151,362 150,752
222,520 221,622
706,649 650,308
4,135 2,191
(21,305) (24,839)
11,903 11,670
8,620 8,487
1,422 1,279
(3,839) (3,796)
5,700 5,700
1,560,058 1,486,733
34,611 34,500
34,428 34,428
183 72
1,594,669 1,521,233
240,870 306,704
167,233 187,829
72,574 118,633
1,063 242
13,600 15,800
13,600 15,800
1,821,939 1,812,137
12,860,745 12,475,939
12.13% 11.92%
12.40% 12.19%
14.17% 14.53%
166
2015 6 30
49. 金 融 工 具 的 公 允 價 值
金融投資
衍生工具
其他以公允價值計量且其變動計入當期損益的負債
Heston
H 167
2015 6 30
(a) 以 公 允 價 值 計 量 的 金 融 工 具
2015 6 30
444 – – 444
14,298 23,967 – 38,265
– 89,077 – 89,077
14,742 113,044 – 127,786
589 75,671 – 76,260
– 42,480 – 42,480
– 362 176,072 176,434
589 118,513 176,072 295,174
– 27,195 1,659 28,854
– 27,239 755 27,994
85 12,702 22 12,809
85 67,136 2,436 69,657
6,291 5,366 654 12,311
87,280 1,204,152 4,750 1,296,182
145 128,620 – 128,765
93,716 1,338,138 5,404 1,437,258
109,132 1,636,831 183,912 1,929,875
– 294,386 – 294,386
– 138,986 – 138,986
– 53,658 – 53,658
– 6,248 – 6,248
– 5,817 – 5,817
– 499,095 – 499,095
– 27,333 1,493 28,826
– 27,310 720 28,030
20 9,892 22 9,934
20 64,535 2,235 66,790
20 563,630 2,235 565,885
168
2015 6 30
(a) 以 公 允 價 值 計 量 的 金 融 工 具（續）
2014 12 31
383 – – 383
102 23,868 – 23,970
– 10,020 – 10,020
485 33,888 – 34,373
377 101,183 – 101,560
– 71,096 – 71,096
– 795 139,004 139,799
377 173,074 139,004 312,455
– 18,093 1,140 19,233
– 1,640 770 2,410
86 2,287 32 2,405
86 22,020 1,942 24,048
9,875 710 304 10,889
80,841 1,070,162 13,852 1,164,855
– 11,751 – 11,751
90,716 1,082,623 14,156 1,187,495
91,664 1,311,605 155,102 1,558,371
– 312,336 – 312,336
– 217,431 – 217,431
– 53,227 – 53,227
– 6,227 – 6,227
– 164 – 164
– 589,385 – 589,385
– 19,102 1,319 20,421
– 1,661 726 2,387
25 1,324 34 1,383
25 22,087 2,079 24,191
25 611,472 2,079 613,576
H 169
2015 6 30
(b) 以 公 允 價 值 計 量 的 第 三 層 級 金 融 工 具 變 動 情 況
2015 2015
1 1 6 30
1,140 848 – – – (329) – 1,659
770 (17) – – – 2 – 755
32 (7) – – – (3) – 22
1,942 824 – – – (330) – 2,436
139,004 390 – 71,751 (34,038) (1,035) – 176,072
13,852 (37) 19 133 (31) (4,801) (4,385) 4,750
304 – 350 – – – – 654
155,102 1,177 369 71,884 (34,069) (6,166) (4,385) 183,912
(1,319) (548) – – – 371 3 (1,493)
(726) (4) – – – 10 – (720)
(34) 7 – – – 5 – (22)
(2,079) (545) – – – 386 3 (2,235)
2014 2014
1 1 12 31
508 949 – – – (317) – 1,140
552 321 – – – (52) (51) 770
52 (19) – – – (1) – 32
1,112 1,251 – – – (370) (51) 1,942
140,566 6,857 – 43,793 (52,212) – – 139,004
3,141 (142) 136 13,256 (244) (2,295) – 13,852
– – – 304 – – – 304
144,819 7,966 136 57,353 (52,456) (2,665) (51) 155,102
(650) (1,096) – – – 422 5 (1,319)
(552) (236) – – – 59 3 (726)
(52) 18 – – – – – (34)
(1,254) (1,314) – – – 481 8 (2,079)
170
2015 6 30
(b) 以 公 允 價 值 計 量 的 第 三 層 級 金 融 工 具 變 動 情 況（續）
2015 6 30
3,356 (2,724) 632
2014 6 30
163 1,908 2,071
(c) 層 級 之 間 轉 換
(i)
(ii)
(d) 基 於 重 大 不 可 觀 察 的 模 型 輸 入 計 量 的 公 允 價 值
2015 6 30
H 171
2015 6 30
(e) 未 以 公 允 價 值 計 量 的 金 融 資 產 、負 債 的 公 允 價 值
2015 6 30
2,646,489 2,663,860 25,831 2,407,842 230,187
375,282 376,052 – 97,442 278,610
3,021,771 3,039,912 25,831 2,505,284 508,797
200,973 210,340 – 210,340 –
200,973 210,340 – 210,340 –
2014 12 31
2,566,390 2,568,458 26,454 2,309,962 232,042
331,731 331,582 – 74,635 256,947
2,898,121 2,900,040 26,454 2,384,597 488,989
196,662 197,702 – 197,702 –
9,485 14,264 14,264 – –
206,147 211,966 14,264 197,702 –
(i)
(ii)
(iii)
172
2015 6 30
(e) 未 以 公 允 價 值 計 量 的 金 融 資 產 、負 債 的 公 允 價 值（續）
50. 其 他 事 項
(a) 境 內 優 先 股 非 公 開 發 行
2015 3 9
(2015)189 4.5
450 2015 5 8
2015 6 4
(2015)1023
4.5
(b) 認 購 永 豐 銀 行20%股 份
2013 4 2
20%
20%
2014 2 27
2015 4 1
2015 10 1
51. 報 告 期 後 事 項
52. 比 較 數 據
53. 未 經 審 計 中 期 財 務 報 告 的 批 准
2015 8 27
H 173
2015 6 30
(a) 按 國 際 財 務 報 告 準 則 與 中 國 會 計 準 則 編 製 的 財 務 報 表 差 異 說 明
2015 6 30
2014 6 30 2015 6 30
2014 12 31
(b) 流 動 性 比 例
2015
2015 6 30 2014
6 30 12 31 2014
35.65% 34.42% 33.19% 33.37%
108.72% 99.91% 91.10% 86.14%
2007 1 1
6 30 12 31
(c) 非 人 民 幣 的 外 匯 風 險
2015 6 30
1,448,385 222,917 474,012 2,145,314
(1,248,984) (234,679) (395,274) (1,878,937)
1,230,512 69,245 627,436 1,927,193
(1,408,118) (43,326) (671,987) (2,123,431)
9,098 – (150) 8,948
30,893 14,157 34,037 79,087
46,692 2,061 26,546 75,299
2014 12 31
1,374,150 212,795 316,172 1,903,117
(1,101,771) (264,653) (330,988) (1,697,412)
856,727 126,684 375,242 1,358,653
(1,100,639) (34,123) (361,857) (1,496,619)
1,364 – – 1,364
29,831 40,703 (1,431) 69,103
27,348 1,570 28,020 56,938
174
2015 6 30
(d) 國 際 債 權
10%
2015 6 30
354,462 104,204 919,698 59,242 1,437,606
15,456 27,991 247,947 49,663 341,057
61,347 31,358 58,978 8,355 160,038
415,809 135,562 978,676 67,597 1,597,644
2014 12 31
232,301 65,146 843,277 57,334 1,198,058
22,078 18,565 214,322 42,310 297,275
91,568 33,234 48,573 7,846 181,221
323,869 98,380 891,850 65,180 1,379,279
H 175
2015 6 30
(e) 客 戶 貸 款 及 墊 款
(i)
2015 6 30
1,724,420 751,957 83,864 51,236 20,489 27,527 48,016
1,495,667 423,051 6,945 4,773 1,963 24,529 26,492
922,775 499,170 73,259 47,430 15,424 14,402 29,826
809,149 159,502 7,825 1,387 836 13,290 14,126
554,235 449,250 9,319 4,671 2,399 9,042 11,441
474,571 255,772 975 232 120 7,804 7,924
700,813 430,195 8,275 3,842 1,691 11,467 13,158
283,053 46,754 7,345 3,422 1,428 4,601 6,029
240,154 104,181 5,515 2,668 1,235 3,907 5,142
233,302 179,262 6,465 2,448 790 3,798 4,588
133,452 44,218 947 388 297 2,189 2,486
372,086 133,074 5,077 2,540 1,082 6,081 7,163
7,943,677 3,476,386 215,811 125,037 47,754 128,637 176,391
2,566,481 2,186,388 45,153 – – 65,085 65,085
699,227 239,728 26,425 – – 17,732 17,732
3,265,708 2,426,116 71,578 – – 82,817 82,817
432,700 432,700 1,885 521 120 7,810 7,930
11,642,085 6,335,202 289,274 125,558 47,874 219,264 267,138
* 266,511
* 139,695
* 149,579
* (e)(ii)
2014 12 31
*
1,642,460 712,403 57,155 36,184 16,802 27,695 44,497
1,439,285 425,696 6,666 4,788 2,117 24,733 26,850
923,005 515,576 56,773 35,935 14,754 15,294 30,048
751,728 147,319 2,792 1,634 1,102 12,933 14,035
530,103 406,577 6,213 4,198 2,157 9,067 11,224
477,193 251,171 1,098 101 41 8,226 8,267
624,046 404,920 5,093 2,319 745 10,720 11,465
301,261 44,742 3,034 1,708 984 5,165 6,149
220,860 103,291 2,901 1,312 556 3,785 4,341
224,994 157,739 3,217 1,715 798 3,850 4,648
123,207 38,137 668 480 335 2,116 2,451
354,450 108,849 3,408 1,903 803 6,078 6,881
7,612,592 3,316,420 149,018 92,277 41,194 129,662 170,856
2,387,331 2,295,752 39,954 – – 62,669 62,669
676,134 281,782 21,307 – – 17,749 17,749
3,063,465 2,577,534 61,261 – – 80,418 80,418
350,274 350,274 299 71 51 6,256 6,307
11,026,331 6,244,228 210,578 92,348 41,245 216,336 257,581
* 189,729
* 95,409
* 115,169
* (e)(ii)
176
2015 6 30
(ii)
2015 2014
6 30 12 31
3 6 44,383 33,930
6 12 50,883 31,204
12 59,575 50,034
154,841 115,168
3 6 0.38% 0.31%
6 12 0.44% 0.28%
12 0.51% 0.45%
1.33% 1.04%
(iii)
2015 6 30
13,559 539 153 539 153 12,188
62,698 23,152 8,733 25,607 8,788 44,845
45,903 21,273 10,026 22,149 10,148 30,773
55,617 25,062 8,131 25,774 8,280 42,209
40,247 17,151 6,362 17,505 6,418 32,542
41,001 22,913 7,626 23,220 7,713 38,406
13,633 5,243 3,161 5,255 3,168 13,117
16,616 4,337 1,723 5,509 3,206 5,184
289,274 119,670 45,915 125,558 47,874 219,264
H 177
2015 6 30
2014 12 31
9,795 23 21 23 21 11,729
47,637 14,229 4,868 15,113 4,926 44,967
38,947 18,951 9,494 19,747 9,572 30,710
37,171 16,269 6,628 16,908 6,761 41,301
28,334 13,702 7,116 14,094 7,143 31,331
28,260 17,046 6,893 17,391 6,993 38,037
9,511 5,251 3,533 5,465 3,598 13,060
10,923 3,009 1,423 3,607 2,231 5,201
210,578 88,480 39,976 92,348 41,245 216,336
(iv)
2015 6 30 2014 12 31
5,339 0.05% 4,579 0.04%
3
(1,562) (0.01%) (1,926) (0.02%)
3
3,777 0.04% 2,653 0.02%
(f) 逾期拆放同業及其他金融機構款項
2015 6 30 2014 12 31
12 16 16
12 0.00% 0.00%
178
2015 6 30
(g) 中 國 境 內 非 銀 行 的 風 險 敞 口
2015 6 30 2014 12 31
14,032,865 13,133,159
2,269,426 2,319,179
16,302,291 15,452,338
48,268 41,571
(h) 監 管 資 本 項 目 與 資 產 負 債 表 對 應 關 係
[2013]33 2
(i)
2015 6 30 2014 12 31
1 356,407 353,495 X18
2 1,080,531 1,022,682
2a 151,362 150,752 X21
2b 222,520 221,622 X22
2c 706,649 650,308 X23
3 130,888 120,035
3a 152,193 144,874 X19
3b (21,305) (24,839) X24
4
0 – –
5 4,135 2,191 X25
6 1,571,961 1,498,403
7 – –
8 8,620 8,487 X16
9
1,422 1,279 X14–X15
10 – –
11
(3,839) (3,796) X20
12 – –
13 – –
14
– –
15
– –
16 – –
H 179
2015 6 30
2015 6 30 2014 12 31
17
– –
18
– –
19
– –
20
21
– –
22
15% – –
23
– –
24
25
– –
26a
5,700 5,700 X11
26b
– –
26c – –
27
– –
28 11,903 11,670
29 1,560,058 1,486,733
30 34,428 34,428
31 34,428 34,428 X28
32 – –
33 – –
34 183 72 X26
35 – –
36 34,611 34,500
37 – –
180
2015 6 30
2015 6 30 2014 12 31
38
– –
39
– –
40
– –
41a – –
41b – –
41c – –
42 – –
43 – –
44 34,611 34,500
45 + 1,594,669 1,521,233
46 167,233 187,829 X17
47 144,158 164,752
48 1,063 242 X27
49 – –
50 72,574 118,633 X02+X04
51 240,870 306,704
52 – –
53
– –
54
– –
55
13,600 15,800 X10
56a – –
56b – –
56c – –
H 181
2015 6 30
2015 6 30 2014 12 31
57 13,600 15,800
58 227,270 290,904
59 + 1,821,939 1,812,137
60 12,860,745 12,475,939
61 12.13% 11.92%
62 12.40% 12.19%
63 14.17% 14.53%
64 3.5% 3.5%
65 2.5% 2.5%
66 – –
67 1% 1%
68 7.13% 6.92%
69 5% 5%
70 6% 6%
71 8% 8%
72 46,431 33,067 X05+X06+
X08+X09+
X12
73 25,413 26,658 X07+X13
74
75
21,815 24,569
76 16,905 15,541 X01
77
6,254 9,684 X02
78
250,234 242,040 X03
79
66,320 108,949 X04
80 – –
81 – –
82 – –
83 – –
84 144,158 164,752
85 33,739 17,932
182
2015 6 30
(ii)
2015 6 30 2015 6 30 2014 12 31 2014 12 31
* * * *
3,615,260 3,615,260 3,523,622 3,523,622
280,370 273,173 304,273 298,128
115,198 115,198 95,950 95,950
502,982 502,982 478,503 478,503
422,960 422,934 346,828 346,765
69,657 69,657 24,048 24,048
1,040,068 1,040,068 468,462 468,452
11,374,947 11,374,213 10,768,750 10,767,798
1,438,093 1,421,006 1,188,288 1,176,369
2,646,489 2,645,722 2,566,390 2,565,606
375,282 353,322 331,731 319,108
27,577 33,277 28,919 34,619
180,038 180,001 171,434 171,393
24,675 24,651 24,804 24,784
22,037 22,037 24,758 24,758
281,662 274,825 263,193 256,829
22,417,295 22,368,326 20,609,953 20,576,732
*
H 183
2015 6 30
2015 6 30 2015 6 30 2014 12 31 2014 12 31
* * * *
332 332 631 631
2,123,898 2,123,898 1,106,776 1,106,776
438,877 438,877 432,463 432,463
499,095 499,081 589,385 589,346
66,790 66,790 24,191 24,191
330,933 326,585 380,957 377,037
145,450 145,450 176,248 176,248
16,287,768 16,289,592 15,556,601 15,559,727
23,486 23,282 28,148 27,982
50,178 50,127 72,278 72,207
284,903 284,903 279,590 279,590
474 222 451 189
551,474 510,358 424,930 396,907
20,803,658 20,759,497 19,072,649 19,043,294
356,407 356,407 353,495 353,495
34,428 34,428 34,428 34,428
34,428 34,428 34,428 34,428
152,193 152,193 144,874 144,874
(20,608) (21,305) (24,548) (24,839)
151,362 151,362 150,752 150,752
222,520 222,520 221,622 221,622
706,723 706,649 650,236 650,308
1,603,025 1,602,254 1,530,859 1,530,640
10,612 6,575 6,445 2,798
1,613,637 1,608,829 1,537,304 1,533,438
*
184
2015 6 30
(iii)
2015 6 30
11,374,213
11,641,352
16,905 X01
6,254 X02
250,234 X03
66,320 X04
1,421,006
1,286,381
5,895 X05
128,560
6,065
467 X06
148 X07
2,645,722
2,427 X08
353,322
37,549 X09
13,600 X10
33,277
5,700 X11
93 X12
25,265 X13
H 185
2015 6 30
2015 6 30
274,825
115,399
21,639 X14
20,217 X15
84,329
8,620 X16
4,591
4,386
35,861
284,903
167,233 X17
356,407 X18
34,428
34,428 X28
152,193 X19
(21,305) X24
11,447
(3,896)
(3,839) X20
89
(28,945)
151,362 X21
222,520 X22
706,649 X23
6,575
4,135 X25
183 X26
1,063 X27
186
2015 6 30
(iv)
2015 6 30
A H
601398 1398 4603 4604 84602
336,209 169,200 17,928 4,542 11,958
266,700 86,795 2,940 600 12,000
2006 10 19 2006 10 19 2014 12 10 2014 12 10 2014 12 10
2019 12 10 2021 12 10 2019 12 10
12 10 12 10 12 10
2019 12 10 2021 12 10 2019 12 10
6% 6% 6%
H 187
2015 6 30
A H
2014 7 25 2014 7 25 2014 7 25
H H H
188
2015 6 30
ISIN XS0976879279 1428009
BBGID BBG005CMF4N6
3,101 19,974
500 20,000
2013 10 10 2014 8 4
2023 10 10 2024 8 5
2018 10 10 2019 8 5
4.50% 5.80%
H 189
2015 6 30
190
2015 6 30
(i) 槓桿率披露
2015 6 30
1 22,417,295
2 (48,969)
3 –
4 50,654
5 27,020
6 1,581,391
7 (11,903)
8 24,015,488
2015 6 30
1 21,526,495
2 (11,903)
3 21,514,592
4 33,142
5 39,993
6 –
7 –
8 (7,999)
9 61,589
10 (6,414)
11 120,311
12 772,174
13 –
14 27,020
15 –
16 799,194
17 2,958,151
18 (1,376,760)
19 1,581,391
20 1,594,669
21 24,015,488
22 6.64%
H 191
境內機構
安徽省分行 廣西區分行 湖北省分行
189 15-1 31
230001 530022 430071
0551-62869178/62868101 0771-5316617 027-69908676/69908658
0551-62868077 0771-5316617/2806043 027-69908040
北京市分行 貴州省分行 湖南省分行
2 200 619
B 550003 410011
100031 0851-88620000/88620018 0731-84428833/84420000
010-66410579 0851-85963911/88620017 0731-84430039
010-66410579
海南省分行 吉林省分行
重慶市分行
3 A 9559
9 570203 130022
400060 0898-65303138/65342829 0431-89569073/89569712
023-62918002 0898-65303138/65342986 0431-88923808
023-62918059
河北省分行 江蘇省分行
大連市分行
188 408
5 B 210006
116001 050051 025-52858000
0411-82378888/82819593 0311-66001999/66000001 025-52858111
0411-82808377 0311-66001889/66000002
江西省分行
福建省分行 河南省分行
233
108 99 330008
350005 450011 0791-6695117/6695018
0591-88087810/ 0371-65776888/65776808 0791-6695230
88087819/88087000 0371-65776889/65776988
0591-83353905/83347074 遼寧省分行
黑龍江省分行
甘肅省分行 88
218 110001
408 150010 024-23491609
730030 0451-85870963/84668577 024-23491609
0931-8434172 0451-84698115/85870962
0931-8435166
廣東省分行
123
510120
020-81308130/81308123
020-81308789
192
內蒙古區分行 上海市分行 雲南省分行
105 9 395
010050 200120 650021
0471-6940297 021-58885888 0871-63136172/63178888
0471-6940048 021-58886888 0871-63134637
寧波市分行 深圳市分行 浙江省分行
218 5055 150
315010 310009
0574-87361162 518015 0571-87803888
0574-87361190 0755-82246400 0571-87808207
0755-82062761
寧夏區分行 工銀瑞信基金管理有限公司
四川省分行
901 5
750002 35 100140
0951-5039558 610016 010-66583333
0951-5042348 028-82866000 010-66583158
028-82866025
青島市分行 工銀金融租賃有限公司
天津市分行
25 20
266071 123 E5AB
0532-85809988-621031 300074 300457
0532-85814711 022-28400033/28401380 022-66283766/
022-28400123 010-66105888
青海省分行 022-66224510/
2 廈門市分行 010-66105999
810001
0971-6169722/6146733 17 工銀安盛人壽保險有限公司
0971-6146733 361012
0592-5292000 166
山東省分行 0592-5054663 19
200120
310 新疆區分行 021-5879-2288
250001 021-5879-2299
0531-66681622 231
0531-87941749 830002 重慶璧山工銀村鎮銀行
0991-5981888
山西省分行 0991-2337527 1
402760
145 西藏區分行 023-85297704
030001 023-85297709
0351-6248888/6248011 31
0351-6248004 850000 浙江平湖工銀村鎮銀行
0891-6898019/6898002
陝西省分行 0891-6898001 258
314200
395 0573-85139616
710004 0573-85139626
029-87602608/87602630
029-87602999
H 193
境外機構
香港分行 河內分行 阿布扎比分行
Industrial and Commercial Bank of Industrial and Commercial Bank of Industrial and Commercial Bank of
China Limited, Hong Kong Branch China Limited, Hanoi Branch China Limited, Abu Dhabi Branch
33/F, ICBC Tower, 3rd Floor 9th floor & Mezzanine floor
3 Garden Road, Central, Daeha Business Center, AKAR properties,
Hong Kong No.360, Kim Ma Str., Al Bateen Tower C6
icbchk@icbcasia.com Ba Dinh Dist., Hanoi, Bainuna Street,
+852-25881188 Vietnam Al Bateen Area
+852-28787784 admin@vn.icbc.com.cn Abu Dhabi
SWIFT ICBKHKHH +84-462698888 United Arab Emirates
+84-462699800 dboffice@dxb.icbc.com.cn
新加坡分行 SWIFT ICBKVNVN +971-2-4998600
Industrial and Commercial Bank of +971-2-4998622
China Limited, Singapore Branch 萬象分行 SWIFT ICBKAEAA
6 Raffles Quay #12-01, Industrial and Commercial Bank of
Singapore 048580 China Limited, Vientiane Branch 迪拜國際金融中心分行
icbcsg@sg.icbc.com.cn Asean Road, Industrial and Commercial Bank of
+65-65381066 Home No. 358, Unit 12, China Limited, Dubai (DIFC) Branch
+65-65381370 Sibounheuang Village, Floor 5 & 6,
SWIFT ICBKSGSG Chanthabouly District, Gate Village Building 1,
Vientiane Capital, Lao PDR Dubai International
東京分行 icbcvte@la.icbc.com.cn Financial Center, Dubai,
Industrial and Commercial Bank of +856-21258888 United Arab Emirates
China Limited, Tokyo Branch +856-21258897 dboffice@dxb.icbc.com.cn
2-1 Marunouchi 1-Chome, SWIFT ICBKLALA +971-47031111
Chiyoda-Ku Tokyo, +971-47031199
100-0005, Japan 金邊分行 SWIFT ICBKAEAD
icbctokyo@icbc.co.jp Industrial and Commercial Bank of
+813-52232088 China Limited, Phnom Penh Branch 卡拉奇分行
+813-52198502 No. 15, Industrial and Commercial Bank of
SWIFT ICBKJPJT Preah Norodom Boulevard, China Limited Karachi Branch
Phsar Thmey I, Duan Penh, Room No.G-02 &
首爾分行 Phnom Penh, Cambodia G-03 Ground Floor,
Industrial and Commercial Bank of +855-23965280 Office #803-807,
China Limited, Seoul Branch +855-23965268 8th Floor, Parsa Towers,
16th Floor, SWIFT ICBKKHPP Plot No.31-1-A, Block 6,
Taepyeongno Bldg., PECHS, Karachi, Pakistan
#73 Sejong-daero, 多哈分行 +92-2135208998
Jung-gu, Seoul 100-767, Industrial and Commercial Bank of +92-2135208930
Korea China Limited, Doha (QFC) Branch SWIFT ICBKPKKAXXX
icbcseoul@kr.icbc.com.cn Office 1202, 12/F,
+822-37886670 QFC Tower 1, 孟買分行
+822-7553748 Diplomatic Area, West Bay, Industrial and Commercial Bank of
SWIFT ICBKKRSE Doha, Qatar China Limited, Mumbai Branch
dboffice@dxb.icbc.com.cn Level 1, East Wing,
釜山分行 +974-44968076 Wockhardt Tower,
Industrial and Commercial Bank of +974-44968080 C-2, G Block,
China Limited, Busan Branch SWIFT ICBKQAQA Bandra Kurla Complex,
1st Floor, Samsung Fire & Bandra(E),
Marine Insurance Bldg., Mumbai-400 051, India
#184, Jungang-daero, icbcmumbai@india.icbc.com.cn
Dong-gu, Busan 601-728, +91-2233155999
Korea +91-2233155900
busanadmin@kr.icbc.com.cn SWIFT ICBKINBBXXX
+8251-4638868
+8251-4636880
SWIFT ICBKKRSE
194
仰光分行 法蘭克福分行 中 國 工 商 銀 行（澳 門）
Industrial and Commercial Bank of Industrial and Commercial Bank of 股份有限公司
China Limited, Yangon Branch China Limited, Frankfurt Branch Industrial and Commercial Bank of
NOVOTEL YANGON MAX, Bockenheimer Anlage 15, China (Macau) Limited
459 Pyay Road, 60322 Frankfurt am Main, 18th Floor, ICBC Tower,
Kamayut Township, Germany Macau Landmark,
Yangon, Myanmar icbc@icbc-ffm.de 555 Avenida da Amizade,
+95-12306306 +49-6950604700 Macau
+95-12306305 +49-6950604708 icbc@mc.icbc.com.cn
SWIFT ICBKMMMY SWIFT ICBKDEFF +853-28555222
+853-28338064
利雅得分行 倫敦分行 SWIFT ICBKMOMX
Industrial and Commercial Bank of Industrial and Commercial Bank of
China Limited, Riyadh Branch China Limited, London Branch 中國工商銀行馬來西亞
T08A, Level 8, 81 King William Street, 有限公司
AlFaisaliah Tower, London EC4N 7BG, UK Industrial and Commercial Bank of
Riyadh 12212, KSA service@ld.icbc.com.cn China (Malaysia) Berhad
service@sa.icbc.com.cn +44 20 7397 8888 Level 34C,
+966-11-2899-800 +44 20 7397 8890 Menara Maxis,
+966-11-2899-879 SWIFT ICBKGB3L Kuala Lumpur City Centre,
SWIFT ICBKSARI 50088 Kuala Lumpur,
紐約分行 Malaysia
科威特分行 Industrial and Commercial Bank of icbcmalaysia@my.icbc.com.cn
Industrial and Commercial Bank of China Limited, New York Branch +603-23013399
China Limited, Kuwait Branch 725 Fifth Avenue, +603-23013388
Al-Murqab, Block 3, 20th Floor, New York, SWIFT ICBKMYK
Al-Soor Street, NY 10022, USA
Building 2A info-nyb@us.icbc.com.cn 中 國 工 商 銀 行（印 度 尼 西 亞）
(Al-Tijaria Tower), +1-212-838 7799 有限公司
7th Floor. +1-212-838 6688 PT. Bank ICBC Indonesia
Kuwait City, Kuwait. SWIFT ICBKUS33 32nd TCT ICBC Tower,
reception@kw.icbc.com.cn Jl. MH.Thamrin No. 81,
00965-22281777 中 國 工 商 銀 行（亞 洲） Jakarta Pusat 10310,
00965-22281799 有限公司 Indonesia
SWIFT ICBKKWKW Industrial and Commercial Bank of cs@ina.icbc.com.cn
China (Asia) Limited +62-2123556000
悉尼分行 33/F, ICBC Tower, +62-2131996010
Industrial and Commercial Bank of 3 Garden Road, SWIFT ICBKIDJA
China Limited, Sydney Branch Central, Hong Kong
Level 1, 220 George Street, enquiry@icbcasia.com 中 國 工 商 銀 行（泰 國）
Sydney NSW 2000, +852 3510 8888 股份有限公司
Australia +852-28787784 Industrial and Commercial Bank of
Info@icbc.com.au SWIFT UBHKHKHH China (Thai) Public Company
+612-94755588 Limited
+612-92333982 工銀國際控股有限公司 622 Emporium Tower
SWIFT ICBKAU2S 11th-13th Fl.,
ICBC International Holdings Limited
37/F, ICBC Tower, Sukhumvit Road,
盧森堡分行 3 Garden Road, Khlong Ton, Khlong Toei,
Industrial and Commercial Bank of Central, Hong Kong Bangkok, 10110, Thailand
China Limited, Luxembourg Branch info@icbci.com.hk +66-26295588
32, Boulevard Royal, +852-26833888 +66-26639888
L-2449 Luxembourg +852-26833900 SWIFT ICBKTHBK
B.P.278 L-2012 Luxembourg SWIFT ICBHHKHH
office@eu.icbc.com.cn
+352-2686661
+352-26866666
SWIFT ICBKLULL
H 195
中 國 工 商 銀 行（阿 拉 木 圖） 工銀標準銀行公眾有限公司 中 國 工 商 銀 行（阿 根 廷）
股份公司 ICBC Standard Bank PLC 股份有限公司
Industrial and Commercial Bank of 20 Gresham Street, Industrial and Commercial Bank of
China (Almaty) Joint Stock London, United Kingdom, China (Argentina) S.A.
Company EC2V 7JE Florida 99-City of
150/230, londonmarketing@ Buenos Aires,
Abai/Turgut Ozal Street, icbcstandard.com Argentina
Almaty, Kazakhstan.050046 +44 203 145 5000 gongwen@ar.icbc.com.cn
office@kz.icbc.com.cn +44 203 189 5000 +54-11-4820-9018
+7727-2377085 SWIFT SBLLGB2L +54-11-4820-1901
+7727-2377070 SWIFT ICBKARBA
SWIFT ICBKKZKX 中 國 工 商 銀 行（土 耳 其）
股份有限公司 中 國 工 商 銀 行（巴 西）
中 國 工 商 銀 行（新 西 蘭） ICBC Turkey Bank Anonim Sirketi 有限公司
有限公司 Maslak Mah. Dereboyu/ Industrial and Commercial Bank of
Industrial and Commercial Bank of 2 Caddesi No: 13 34398 China (Brasil) S.A.
China (New Zealand) Limited Saryer/STANBUL Av.Brigadeiro Faria Lima,
Level 11, 188 Quay Street, liu.peiguo@tekstilbank.com.tr 3477 – Block B – 6 andar
Auckland 1010, +90 212 335 5162 – SAO PAULO/SP – Brasil
New Zealand SWIFT TEKBTRISXXX gybx@br.icbc.com.cn
info@nz.icbc.com.cn +5511-2395-6600
+64-93747288 中 國 工 商 銀 行（美 國） +5511-2395-6600
+64-93747287 Industrial and Commercial Bank of SWIFT ICBKBRSP
SWIFT ICBKNZ2A China (USA) NA
202 Canal Street, 中 國 工 商 銀 行（秘 魯）
中 國 工 商 銀 行（倫 敦） New York, 有限公司
有限公司 NY 10013, USA ICBC PERU BANK
ICBC (London) PLC info@us.icbc.com.cn Av.Juan de Arona 151,
81 King William Street, +1-212-238-8208 Oficina 202, San Isidro,
London EC4N 7BG, UK +1-212-619-0315 Lima27, Perú
service@ld.icbc.com.cn SWIFT ICBKUS3N gongwen@pe.icbc.com.cn
+44-2073978888 +51-16316801
+44-2073978899 工銀金融服務有限責任公司 +51-16316803
SWIFT ICBKGB2L Industrial and Commercial SWIFT ICBKPEPLXXX
Bank of China
中 國 工 商 銀 行（歐 洲） Financial Services LLC 中國工商銀行股份有限公司
有限公司 1633 Broadway, 28th Floor, 非洲代表處
Industrial and Commercial Bank of New York, NY, 10019, USA Industrial and Commercial Bank of
China (Europe) S.A. info@icbkus.com China Limited,
32,Boulevard Royal, +1-212-993-7300 African Representative Office
L-2449 Luxembourg +1-212-993-7349 47 Price Drive, Constantia,
office@eu.icbc.com.cn SWIFT ICBKUS33FIN Cape Town,
+352-2686661 South Africa, 7806
+352-26866666 中 國 工 商 銀 行（加 拿 大） fzzhglb@afr.icbc.com.cn
SWIFT ICBKLULU 有限公司 +27-212008006
Industrial and Commercial Bank of +27-212008012
中 國 工 商 銀 行（莫 斯 科） China (Canada)
股份公司 Unit 3710,
ZAO Industrial and Commercial Bank Bay Adelaide Centre,
of China (Moscow) 333 Bay Street, Toronto,
Building 29, Ontario, M5H 2R2, Canada
Serebryanicheskaya info@icbk.ca
embankment, Moscow, +1416-366-5588
Russia Federation 109028 +1416-607-2000
info@ms.icbc.com.cn SWIFT ICBKCAT2
+7-495 2873099
+7-495 2873098
SWIFT ICBKRUMM
196
55 100140
No.55 Fuxingmennei Avenue, Xicheng District, Beijing, PRC Post Code: 100140
www.icbc.com.cn, www.icbc-ltd.com