1、1中国建设银行公布 2009 年度经营业绩服务大局促发展 稳健经营创佳绩2010 年 3 月 28 日，中国建设银行股份有限公司（以下简称建行）发布了 2009 年度经营业绩报告。2009 年，在国际金融危机蔓延、国内经济发展极为困难的形势下，建行认真贯彻国家宏观经济政策，坚持积极审慎的经营方针，科学统筹业务发展、风险防范和结构调整，取得了好于预期的经营业绩，出色地完成了全年经营目标。行长张建国表示：“在过去的一年里，建行以改革创新精神服务国家经济发展大局，坚持积极审慎的经营方针，始终牢牢把握住风险控制的主动权，在复杂的经营环境中赢得了市场先机，各项业务扎实稳步推进，为未来的可持续发展奠定了坚
2、实基础。 ”经营规模再创新高 发展质量稳步提升2009 年，在国家实施应对国际金融危机一揽子计划的大背景下，建行结合自身发展战略，加大对经济和民生领域的金融支持力度，存贷款新增创历史新高，资产规模持续增长。截至 2009 年 12 月 31 日，建行资产总额为 96,233.55 亿元（以下数据除特别注明外均按国际财务报告准则计算，为本集团数据，币种为人民币） ，较上年末增长27.37%，其中客户贷款和垫款净额为 46,929.47 亿元，较上年末增长 27.40%；负债总额为 90,643.35 亿元，较上年末增长 27.88%，其中客户存款增长 25.49%至 80,013.23 亿元。建
3、行注重提高业务发展质量和效益，获得了良好的业绩回报。全年实现税前利润 1,387.25 亿元，较上年增长 15.85%，净利润首破千亿元, 达 1,068.36 亿元，增长 15.32%，超额完成全年利润计划。虽然受存贷款基准利率下调及市场利率下行等因素影响，净利息收益率比上年同期下降 0.83 个百分点至 2.41%，但通过创新产品、拓展市2场及优化投资交易策略，非利息收入实现了 28.11%的增长，其中手续费及佣金净收入增长 25.00%至 480.59 亿元，保证了全行经营收入与上年基本持平。平均资产回报率、平均股东权益回报率分别为1.24%和 20.87%，在国际大型商业银行中位于前列
4、。资产质量持续改善，不良贷款率降至 1.50%，较上年末下降0.71 个百分点；风险抵御能力进一步增强。减值准备对不良贷款比率提至 175.77%，较上年末提高 44.19 个百分点；资本充足率为 11.70%，核心资本充足率为 9.31%，均符合管理目标。全行严控成本管理，经营费用增幅为 2005 年上市以来最低水平，员工成本增幅低于税前利润和净利润的增幅。稳健经营和持续发展的成果，进一步提升了建行的形象和品牌价值。在英国银行家 “全球商业银行品牌十强”中，建行位居第二位，列中资银行之首；被英国欧洲货币 、香港亚洲货币评为“中国最佳银行” 。服务经济社会大局 信贷投放适度均衡2009 年，建
5、行按照国家决策部署，主动将服务经济社会发展大局与调整信贷结构相结合，加大对关系国计民生领域和项目的信贷支持力度，客户贷款和垫款总额较上年增加 10,258.30 亿元，为实体经济和民生改善输送了急需的资金“血液” 。其中,向符合国家信贷导向的 14 个信贷重点投放领域全年投放贷款 5,763 亿元，占同期新投放对公贷款的 20.41%；参与支持国家四万亿投资项目 446 个，十大振兴产业贷款新增 1,451 亿元，占全行对公贷款新增的 22.3%。投向基础设施行业领域的贷款为 15,398.98 亿元，新增额在公司类贷款新增额中的占比达到 53.12%。特别是 2009 年前 2 个月在经济处
6、于最低谷、企业最急需资金时，建行根据此前储备优质项目的情况，及时投放了 3,582 亿元贷款用于基础设施和重点项目建设，随后就主动调整投放节奏，恢复到稳定常态速度上来，赢得了市场先机和风险控制主动权。3小企业、 “三农”和民生领域是建行信贷投放重点之一。建行小企业业务实现了跨越式增长，小企业授信客户新增近万家，小企业贷款增幅达 47.10%，高于公司类贷款平均增幅 22.51 个百分点，新增贷款大部分集中在中小企业经济发达的长三角、珠三角和环渤海地区。组建“信贷工厂”模式操作的小企业经营中心已达 140 家，联贷联保、法人账户透支、小额无抵押贷款以及“e 贷通”网络银行等产品服务日益丰富，探索
7、解决小企业“融资难”问题有了初步成效。涉农贷款新增 1,630.96 亿元，比上年增长 38.25%；在新疆、黑龙江、吉林等地推广小额农户贷款新模式，帮助当地提高农业生产科学化、集约化水平；新设和筹建村镇银行 7 家， “三农” 服务进一步向广大县城和村镇延伸。教育、卫生等重点民生领域贷款余额达 1,904.12 亿元，增幅达 48.56%，远高于公司类贷款平均增幅。个人消费贷款较上年增加 36.87 亿元，增幅为 4.92%。个人住房贷款较上年增加2,493.84 亿元，增幅为 41.35%；其中，着力支持居民保障性住房需求，累计与地方政府主管部门签署保障性住房合作协议 52 个，支持经济适
8、用房和限价房项目 506 个，为 12.2 万户居民发放保障房商业按揭和公积金贷款 208 亿元。面对信贷资金快速增长的市场环境，建行在控制总量的前提下，按照国家产业政策和市场情况调整资源配置，合理把握信贷投放的节奏和力度，既保证了全年信贷投放的均衡性和平稳性，又以信贷结构调整促进国家产业结构优化升级。全年贷款增速低于同业平均，贷款新增额在四行中最少，但信贷投放的均衡性、平稳性却高于同业平均水平。重点调控“两高一剩”行业、房地产业，相关贷款余额占比分别比年初下降了 2.89、1.24 个百分点；全年主动退出公司类贷款767 亿元。客户结构进一步优化，内部评级 A 级及以上客户贷款余额占比达到
9、91.98%，较上年提高 2.64 个百分点。转变业务发展方式 中间业务快速增长42009 年，建行积极适应经济形势和金融市场变化，加大自主创新和研发力度，拓展新兴业务，培育新的利润增长点，在实现利润目标的同时，为长远发展打下稳固的基础。全行完成产品创新 313 项,创建业内首家产品创新实验室。建行推出一批新兴业务，为客户“雪中送炭”: 针对深受国际金融危机冲击和影响的外贸企业，设计出“内贸通”系列产品和服务，涵盖国际贸易融资、供应链融资和人民币结算，为近千家外贸企业客户融资余额超过 150 亿元；针对民生领域建设，推出了面向教育、医疗、社保、环保领域的“民本通达”综合金融服务方案，包括优化全
10、日制高校银行负债和结构，使 6,600 万人的养老金在全国范围内自由领取等。此外，顺应市场的保理预付款、并购贷款、网络银行贷款等其他新兴贷款业务也快速增长。在传统生息业务受到严峻挑战的情况下，建行中间业务有了强劲增长。全年实现手续费及佣金净收入 480.59 亿元，手续费及佣金净收入对经营收入比率达 17.84%。财务顾问、债务融资工具承销、理财等业务开展活跃，带动全行境内外投资银行业务收入较上年增长48.22%；银团贷款、国内保理等业务收入分别实现了 116%、300%的高速增长；企业年金个人账户达 192.54 万户，较上年增长 194.04%；独具同业优势的造价咨询业务，实现收入同比增长
11、 106%；证券投资基金新获批 53 只，新托管 47 只，均为同业第一；证券投资基金托管资产净值 6,421 亿元，成为大型国有商业银行中唯一一家市场占比持续提高的托管银行。银行卡业务发展迅速，运行效率大幅提高。借记卡发卡总量达2.52 亿张，消费交易额为 7,906.63 亿元，较上年同期增长77.24%，实现手续费收入 45.36 亿元，较上年增长 14.76%；理财卡发卡总量达 489.50 万张，较上年末新增 122.54 万张。信用卡业务持续健康发展，累计客户 2,024 万户，累计发卡量增至 2,424 万张，新增 553 万张，全年消费交易额增至 2,927.81 亿元，贷款余
12、额达363.32 亿元，资产质量保持良好，累计客户、交易额、贷款新增、5资产质量四项指标均居同业首位。 优化服务资源配置 客户服务再上水平2009 年，建行深入推进“以客户为中心”的理念机制建设，充分了解客户关切，满足客户需要，进一步完善专业化、差别化的客户服务体系，服务效率和质量有了新的提升。零售网点已基本实现从交易核算为主导向营销服务为主导的功能转型，大大增加了柜员与客户交流的时间，转型后网点交易效率提高近 39%，客户平均等候时间下降 40.86%。目前，针对提高理财中心客户服务质量的第二代网点转型项目正稳步推进。同时，继续强化自助和电子渠道建设，投入运营的自助银行增至 8,128 家；
13、自动柜员机（ATM）较上年末增长 12.93%达36,021 台，居全球银行业前列。个人网上银行客户数达到 3,959 万户，较上年增加 1,268 万户，个人网上银行交易额 3.01 万亿元，较上年增长 118；在线手机银行实现跨越式发展，客户数达到 1,428万户，较上年增加 935 万户。电子银行与柜面交易量之比达到 74.89%。在细分客户、细分市场的基础上，建行新建小企业信贷、财富管理、投资银行、企业年金中心等各类专业化经营机构 928 个；大型企业客户集中经营格局逐步形成，更多资源被释放投向中小企业客户服务。为减少管理层级、提高管理效能，建行平稳推进机构扁平化改革，100 个中心城
14、市分行中绝大部分由以前的三级变为现在的两级或两级半管理，三分之一取消了综合型支行设置，一半以上实现了零售网点直管。新组建了一大批从事市场营销、产品开发、后台管理等业务的专业化团队。建行服务质量有了明显提升。2009 年下半年，针对营业网点服务质量的定期“神秘人”调查得分 93.5 分，较上年同期高出 2.1 分。独立第三方机构的调查显示，建行的个人客户满意度为 63.9%，比上年提升 2.2 个百分点，高出同业平均水平 3.5 个百分点。综合客户服6务水平的提高带动了业务发展，建行当年储蓄存款增速、网均在国内大型银行中均为第一。2009 年是建行海外机构网络布局获得突破的一年。伦敦子银行、纽约
15、分行相继开业，使建行在国际主要金融中心的海外机构布局基本完成。胡志明市分行也获得当地监管机构批准。建行位于香港的全资子公司建行亚洲收购美国国际信贷（香港）有限公司，从而在港澳地区拥有信用卡业务平台，完善了港澳地区业务布局。截至 2009 年 12月 31 日，建行海外机构资产总额增至 2,344.60 亿元，较上年增长92.82%。实施精细化管理 风险内控能力增强2009 年，建行坚持以效益为中心，以市场为导向，不断提高风险管控水平与业务精细化运作能力。推进贷前平行作业集约化和专业化管理，规范贷后平行作业操作流程，完善平行作业机制。进一步细分行业，将十几个行业门类细分到 90 多个行业大类，业
16、务经营方向目标更清晰。坚持行业的限额管理和名单制管理，对“两高一剩”的16 个行业全部实现了名单制管理。同时，将海外分行纳入全行风险管理统一框架，进一步完善海外机构风险管控机制。以实施新资本协议为契机，建行规划设计了完整的风险管理应用架构，逐步夯实风险管理数据基础，推进风险计量工具的建设和运用，持续优化对公评级模型及零售评分卡系统，扎实推进全面风险管理体系建设，提升核心竞争力。风险管理的专业化、精细化水平显著提升，更好地契合全行战略转型、业务发展和风险控制的需要。建行密切跟踪政策和市场变化，针对新的风险苗头果断采取应对措施。当市场上出现对政府融资平台贷款超常增长时，建行及时出台措施加强管理，停
17、止对县级政府融资平台客户贷款投放，严控对财力弱的地方政府融资平台提供信贷支持，控制政府融资平台贷款增长。建行明确对不计成本竞拍“地王” 、圈地不建的开发商不予贷款。此外，加强衍生产品交易风险控制，风险敞口不断压缩。7加强员工民主管理 全面履行企业公民责任2009 年，建行在完善民主管理、创建和谐企业方面取得新的进展。广大员工通过职工代表大会制度参与企业管理，全行各级分支机构已成立职代会 1,760 个，召开大会 2,029 次，审议涉及员工切身利益的规章制度和重大事项。从优化业务流程入手，通过完成柜面业务前后台分离和后台集中改革，在提高整体服务水平的同时，降低了柜员操作的复杂程度，有效地减轻了
18、一线员工的工作强度和压力。建行视员工为最宝贵资源，为他们成长提供广阔平台。健全管理、专业技术和经办岗位职务序列体系，为员工开辟了多条职业发展通道。同时，全年共举办境内外各类培训 24,486 期，培训 131 万人次，分别比去年同期增长 10.67%、27.16% 。在压缩其它经费开支的情况下，员工培训投入持续增加。近期调研结果表明，建行员工总体满意度达到 94%。在经营业绩稳步提升的同时，建行还不忘积极履行企业公民责任。全年共实施了 13 个与社会公益相关的项目，投入总金额约 7,274 万元人民币。其中，捐款 6,000 万元人民币，设立了 “中国建设银行少数民族大学生成才计划奖（助）学金
19、” ，将连续五年在内蒙古、新疆、西藏、广西、宁夏等 16 个少数民族相对集中聚居的省、自治区内，资助品学兼优的少数民族贫困大学生。2009 年，建行被国内银行家杂志评为“最佳履行社会责任银行” ，被中国红十字基金会授予“改革开放三十年最具责任感企业奖” 。董事长郭树清表示：“2010 年，建行的改革发展仍会面临困难与挑战。我们将继续贯彻落实科学发展观，加大支持服务经济结构调整和小企业、三农、民生领域发展力度，坚持稳健经营策略，继续强化风险管控，进一步提升经营管理的专业化和精细化水平，力争创造更好的业绩。 ”8公司简介：中国建设银行股份有限公司（以下简称建行）在中国拥有长期的经营历史，其前身中国
20、人民建设银行于 1954 年成立， 1996 年更名为中国建设银行。中国建设银行股份有限公司由原中国建设银行于 2004 年 9 月分立而成立，继承了原中国建设银行的商业银行业务及相关的资产和负债。建行总部设在北京。截至2009 年 12 月 31 日，建行在中国内地设有分支机构 13,384 家，在香港、新加坡、法兰克福、约翰内斯堡、东京、首尔、纽约设有分行，在悉尼设有代表处，拥有建行亚洲、建银国际、建行伦敦、建信基金、建信金融租赁、建信信托等多家子公司，拥有员工约 30 万人，为客户提供全面的金融服务。建行于 2005 年 10 月在香港联合交易所挂牌上市（股票代码 939），于2007
21、年 9 月在上海证券交易所挂牌上市（股票代码 601939）。截至 2009 年12 月 31 日，建行市值约 2,014 亿美元，居全球上市银行第 2 位。9China Construction Bank Announces 2009 Annual Operating ResultsPromoting development for the greater goodDelivering outstanding results from prudent operation28 March 2010 - China Construction Bank Corporation (“CCB” or
22、“the Bank”) released its 2009 annual operating results today. In 2009, at a time when the global financial crisis was spreading around the world and domestic economic development was extremely difficult, CCB earnestly implemented national macroeconomic policies; relentlessly pursued a proactive yet
23、prudent operational strategy; and scientifically coordinated its business development, risk prevention and structural adjustment tasks. The Bank subsequently achieved better than expected operating results and attained its annual business objectives outstandingly.Zhang Jianguo, president of the Bank
24、, said, “In the past year, CCB had been serving the greater good of the national economy in a spirit of reform and innovation. We have been relentless in pursuing a principle of proactive yet prudent operation, while firmly taking initiatives in controlling risks. Consequently, despite the complicat
25、ed business environment, we were able to seize market opportunities and achieve solid advancement in all segments of our business, thereby laying a firm foundation for sustainable development in future.”Operation scale sets a new recordDevelopment quality improves steadilyIn 2009, against the backdr
26、op of the national package programme to face the global financial crisis combined with CCBs development strategy, the Bank redoubled financial support efforts in economic and livelihood areas while it registered historical records in new deposits and loans and sustained asset growth. As of 31 Decemb
27、er 2009, the Banks total assets were RMB9.623355 trillion (unless otherwise stated, the data hereinafter are calculated in accordance with International Financial Reporting Standards on a consolidated basis and are reckoned in RMB), a growth of 27.37% from the end of the previous year. Of this, net
28、loans and advances to customers were RMB4.692947 trillion, up 27.40% from the previous year-end; total liabilities 10were RMB9.064335 trillion, up 27.88% from the previous year-end, of which deposits from customers grew 25.49% to RMB8.001323 trillion.CCBs focus on raising the quality and efficiency
29、of business development was rewarded with excellent business results. In the year, it realised profit before tax of RMB138.725 billion, a growth of 15.85% from the previous year; its net profit exceeded RMB100 billion for the first time to reach RMB106.836 billion, growing by 15.32% to exceed the an
30、nual target for profit. As benchmark interest rates for deposits and loans were revised downwards and market interest rates dropped, the Banks net interest margin dropped 0.83 percentage points from the same period in the previous year to 2.41%. However, through innovation of products, expansion of
31、markets and optimisation of investment trading strategies, non-interest income grew by 28.11%, of which net fee and commission income increased 25.00% to RMB48.059 billion, guaranteeing that the Banks operating income was basically on a par with that of the previous year. CCBs return on average asse
32、ts and return on average equity of 1.24% and 20.87% respectively were in leading positions among major international commercial banks. Sustained improvements were obtained in the Banks asset quality: its non-performing loan ratio decreased to 1.50%, representing a drop of 0.71 percentage points from
33、 the end of the previous year. The Banks capability in withstanding risks was further enhanced. CCB raised its allowances to non-performing loan ratio to 175.77% or an increase of 44.19 percentage points from the end of the previous year. It had a capital adequacy ratio of 11.70% and a core capital
34、adequacy ratio of 9.31%, both meeting management targets. As a result of stringent cost tightening throughout the Bank, the increase in operating expenses was the lowest since its listing in 2005, while the growth in staff costs was lower than the growth in profit before tax and net profit.The resul
35、ts of CCBs prudent operation and sustained development have further enhanced its corporate image and brand value. The Bank ranked second in the “Commercial Banking Top 10” by the Banker, a UK magazine, among which CCB ranked first in all Chinese banks. It was also named the “Best Bank in China” by b
36、oth Euromoney magazine in the UK and Asiamoney magazine in Hong Kong.Serves greater economic goodCredit placement in a balanced and appropriate mannerIn 2009, in accordance with national decisions and planning, CCB proactively combined the serving of the greater economic good with the adjustment of
37、its credit structure. By doing so, it boosted credit support to areas and projects related to the national economy and the peoples livelihood. Gross loans and 11advances to customers increased by RMB1.02583 trillion compared to the previous year, injecting urgently needed “capital blood” to the real
38、 economy and the improvement of peoples livelihood. In particular, lending to 14 key credit placement areas meeting the States credit policies amounted to RMB576.3 billion for the whole year, which made up 20.41% of all new corporate loans in the same period. The Bank also participated in the suppor
39、t of 446 of the States RMB4 trillion investment projects, while new loans to the 10 industries marked for revitalisation were RMB145.1 billion or 22.3% of all new corporate loans. Loans to infrastructure industries amounted to RMB1.539898 trillion. Such new loans made up 53.12% of new corporate loan
40、s. Specifically, during the economic trough in the first two months of 2009, when businesses were in dire need of funds, the Bank issued RMB358.2 billion in loans in time for the construction of infrastructures and key projects, based on situations of previous quality reserve projects. Afterwards, i
41、t proactively adjusted its tempo of credit placement back to the usual steady rate, thus pre-empting market opportunities and taking the initiative in risk control. Small enterprises, the “Three Rurals” (the agricultural industry, rural areas and farmers) and livelihood areas are key targets for CCB
42、s credit placement. The Banks business in the small enterprise segment witnessed dramatic growth: almost 10,000 additional small enterprise clients were provided with credit lines and the growth of small enterprise loans was 47.10%. The growth in small enterprise loans was 22.51 percentage points hi
43、gher than the average growth in corporate loans, and most of the new loans were concentrated in the Yangtze River Delta, the Pearl River Delta and the Bohai Rim areas where small and medium enterprise economies are flourishing. CCB has established 140 small enterprise operations centres in the form
44、of “credit factories”. Products and services such as “Joint Loan & Joint Guarantee”, overdraft facilities for corporate accounts, small amount unsecured credit loans and “e-loans” through Internet banking are multiplying. Solutions to meet the financing difficulties of small enterprises have been me
45、t with initial success. The agriculture related loans were increased by RMB163.096 billion or 38.25% from last year. A new model for small amount farming household loans was promoted in Xinjiang, Heilongjiang and Jilin to help raise scientific and intensity levels of local agricultural production. I
46、n addition, 7 rural banks were established or planned to further extend the Banks “Three Rural” services to the multitude of counties and villages around the country. The balance of loans to key livelihood areas such as education and healthcare reached RMB190.412 billionthis represented a growth of
47、48.56%, far exceeding the average growth of corporate loans. Personal consumption loans increased by RMB3.687 billion from the previous year, with a growth of 4.92%. Residential mortgage loans increased by RMB249.384 billion or 41.35% from last year. In particular, in endeavouring to meet the demand
48、 for subsidised housing, CCB entered into a total of 52 cooperation agreements for subsidised housing with local government authorities. It also provided support for 506 projects in “affordable housing” and 12“limited price housing” and issued RMB20.8 billion in commercial mortgages for subsidised h
49、ousing and in provident fund loans for 122,000 households.Under a market situation in which credit funds were growing rapidly, CCB adjusted its resource allocation in accordance with national industrial policies and market conditions and reasonably regulated the pace and degree of credit placement on the basis of retaining control of overall credit. It was able to guarantee the balance and steadiness of its credit placement for the whole year, while promoting the optimisation and upgrading of the national industrial structure by credit structure adjustment. CCBs loa
