601398工商银行年报20160331.PDF

1、 601398 2015 2015(A)1 1984 1 1 2005 10 28 2006 10 27 532 4.96 42 2015 1000 2000 2015(A)2 1.3 2.5 3.7 4.10 5.13 6.16 7.19 7.1.19 7.2.21 7.3.40 7.4.67 7.5.88 7.6.92 7.7.94 8.96 9.9 9 10.107 11.121 12.142 13.148 14.152 15.157 16.158 17.2015.159 18.160 19.2015.161 20.166 2015(A)3 1./Standard Bank Group

2、Limited A Financial Stability Board 2015(A)4 571 2012 6 2015(A)5 2.2016 3 30 2015 16 14 2 2015 2015 10 2.333 2015 2015(A)6 2015(A)7 3.1.2.INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED(ICBC)3.4.55 100140 86-10-66106114 86-95588,www.icbc-5.3 33 6.7.55 86-10-66108608 86-10-66107571 8.9.A H www.hkexne

3、ws.hk 10.7 A 40 8 20 2015(A)8 9 10 11.A 166 3 86-4008058058 H 183 17M 852-28628555 852-28650990 12.13.A 601398 H 1398 ICBC USDPREF1 4603 ICBC EURPREF1 2015(A)9 4604 ICBC CNHPREF1-R 84602 1 360011 14.618 2015 12 11 2016 12 31 15.1 2 8 10 8 2015(A)10 4.2015 2014 2013 507,867 493,522 443,335 143,391 13

4、2,497 122,326 697,647 658,892 589,637 177,823 176,261 165,280 86,993 56,729 38,321 359,535 359,612 337,046 363,235 361,612 338,537 277,720 276,286 262,965 277,131 275,811 262,649 1 274,467 274,375 261,537 1,131,764 201,457(1,947)22,209,780 20,609,953 18,917,752 11,933,466 11,026,331 9,922,374 280,65

5、4 257,581 240,959 5,009,963 4,433,237 4,322,244 20,409,261 19,072,649 17,639,289 16,281,939 15,556,601 14,620,825 1,788,267 1,106,776 867,094 477,593 432,463 402,161 1,789,474 1,530,859 1,274,134 356,407 353,495 351,390 2 1,701,495 1,486,733 1,266,841 2 1,781,062 1,521,233 1,266,859 2 2,012,103 1,81

6、2,137 1,572,265 2 13,216,687 12,475,939 11,982,187 3 4.80 4.23 3.63 4 0.77 0.78 0.75 4 0.77 0.78 0.74 4 0.76 0.78 0.75 2015(A)11 S&P 5 A A A Moodys 5 A1 A1 A1 1 1.2 3 4 9(2010)5 2015 2014 2013%1 1.30 1.40 1.44 2 17.10 19.96 21.92 2 16.93 19.86 21.83 3 2.30 2.46 2.40 4 2.47 2.66 2.57 5 2.16 2.26 2.45

7、 20.55 20.11 20.75 6 25.49 26.75 28.03%7 1.50 1.13 0.94 8 156.34 206.90 257.19 9 2.35 2.34 2.43%10 12.87 11.92 10.57 10 13.48 12.19 10.57 10 15.22 14.53 13.12 8.11 7.46 6.76 59.51 60.53 63.34 1 2 9(2010)3 4 5 6 7 8 9 10 2015(A)12 2015 181,164 175,078 168,386 173,019 74,324 74,697 72,740 55,370 73,85

8、8 74,318 72,516 53,775 518,295 565,554(331,219)379,134 2014 162,633 165,792 160,164 170,303 73,302 74,798 72,364 55,347 73,083 74,593 72,280 54,419 247,991 170,100(341,402)124,768 2015(A)13 5.2015 2,777.20 0.5%4,502.28 7.6%17.10%1.30%0.77 5,078.67 2.9%1,433.91 8.2%0.44 20.55%12.2%55.4%2015(A)14 1.50

9、%2.76 8,808 9.1%1.88 1.36 2,320 IT 12,778 3,972 8.2%13 BP 203 5 2015(A)15 61 6 e-ICBC e e e e 1.9 e 8,000 e 2016 5,000 2016 2015(A)16 6.2015 2,777.20 0.5%1 5 1.7 10 7.3 2015 2000 8 7.6%1.26 25.49%0.69 15.22%2015 2.76 8,808 9.1%1.88 1.36 8,168 170 427 1,617 9.4%4,365 55.4%2015(A)17 2015 1.50%0.37 11.

10、6 7.5 1.09 6.2 44.8%32.0%2.62 11.5 100%1.25 15.9 21.4%38.1%9,000 1,300 235.4 52.8%660 e-ICBC 2015(A)18 2015 1000 2000 500 2016 2015(A)19 7.7.1 2015 2015 GDP 6.9%1.4%10.6%12.0%6.1%7.0%2015 12 M2 139.23 2015(A)20 13.3%93.95 14.3%135.70 12.4%15.41 9.4%15.0%31.7%22.9 108.3%6.4936 5.77%2015 199.35 15.67%

11、12,744 1.67%181.18%10.91%11.31%13.45%2016 2015(A)21 7.2 7.2.1 2015 2015 2,777.20 14.34 0.5%1.30%17.10%6,976.47 5.9%5,078.67 2.9%1,897.80 14.8%3,381.12 13.0%1,778.23 0.9%1.26 25.49%869.93 53.3%855.15 0.2%2015 2014(%)507,867 493,522 14,345 2.9 189,780 165,370 24,410 14.8 697,647 658,892 38,755 5.9 338

12、,112 299,280 38,832 13.0 42,320 41,351 969 2.3 177,823 176,261 1,562 0.9 86,993 56,729 30,264 53.3 30,976 24,939 6,037 24.2 359,535 359,612(77)(0.0)3,700 2,000 1,700 85.0 363,235 361,612 1,623 0.4 85,515 85,326 189 0.2 277,720 276,286 1,434 0.5 277,131 275,811 1,320 0.5 589 475 114 24.0 2015(A)22 20

13、15 5,078.67 143.45 2.9%72.8%8,717.79 219.00 2.6%3,639.12 75.55 2.1%2015 2015 2.30%2.47%16 19 2015 2014/(%)/(%)11,607,327 616,541 5.31 10,599,094 615,488 5.81 4,333,202 170,833 3.94 4,047,961 159,262 3.93 4,136,085 166,399 4.02 3,817,143 154,070 4.04(2)197,117 4,434 2.25 230,818 5,192 2.25(3)3,161,56

14、2 47,867 1.51 3,087,982 48,384 1.57(4)1,448,398 36,538 2.52 826,615 26,745 3.24 20,550,489 871,779 4.24 18,561,652 849,879 4.58 1,515,899 1,371,253(273,612)(253,327)21,792,776 19,679,578 15,579,271 298,010 1.91 14,627,258 298,941 2.04(4)2,744,339 49,801 1.81 1,819,544 42,801 2.35 435,460 16,101 3.70

15、 397,785 14,615 3.67 18,759,070 363,912 1.94 16,844,587 356,357 2.12 1,383,096 1,389,264 20,142,166 18,233,851 507,867 493,522 2015(A)23 2.30 2.46 2.47 2.66 2015 2014 54,048(52,995)1,053 12,334(763)11,571 13,092(763)12,329(758)-(758)1,336(1,853)(517)15,745(5,952)9,793 83,463(61,563)21,900 18,084(19,

16、015)(931)16,826(9,826)7,000 1,367 119 1,486 36,277(28,722)7,555 47,186(32,841)14,345 6,165.41 10.53 0.2%2015 50 2015(A)24 2015 2014%3,944,455 176,248 4.47 3,684,391 185,177 5.03 7,662,872 440,293 5.75 6,914,703 430,311 6.22 11,607,327 616,541 5.31 10,599,094 615,488 5.81 2015 2014%7,060,495 394,299

17、5.58 6,750,524 413,751 6.13 432,191 19,593 4.53 221,383 12,746 5.76 3,228,124 171,894 5.32 2,873,029 162,346 5.65 886,517 30,755 3.47 754,158 26,645 3.53 11,607,327 616,541 5.31 10,599,094 615,488 5.81 1,708.33 115.71 7.3%1,663.99 123.29 8.0%3,189.42 2015 2 44.34 7.58 14.6%2014 12 478.67 5.17 1.1%20

18、15 2015(A)25 365.38 97.93 36.6%6,217.83 2,980.10 9.31 0.3%81.9%2015 13 2015 2014%3,655,043 115,366 3.16 3,398,080 116,431 3.43 1 4,114,568 30,170 0.73 3,853,902 30,297 0.79 7,769,611 145,536 1.87 7,251,982 146,728 2.02 4,074,196 132,964 3.26 3,911,781 132,379 3.38 3,131,445 10,439 0.33 2,951,896 10,

19、326 0.35 7,205,641 143,403 1.99 6,863,677 142,705 2.08 604,019 9,071 1.50 511,599 9,508 1.86 15,579,271 298,010 1.91 14,627,258 298,941 2.04 498.01 70.00 16.4%9,247.95 161.01 14.86 10.2%2015(A)26 24.2015 1,897.80 244.10 14.8%27.2%2.1 1,433.91 8.2%463.89 41.1%2015 2014(%)37,684 35,133 2,551 7.3 35,91

20、0 20,676 15,234 73.7 27,986 30,422(2,436)(8.0)26,791 30,474(3,683)(12.1)18,305 14,929 3,376 22.6 5,544 5,923(379)(6.4)4,687 4,614 73 1.6 1,979 2,019(40)(2.0)2,784 2,488 296 11.9 161,670 146,678 14,992 10.2 18,279 14,181 4,098 28.9 143,391 132,497 10,894 8.2 2015 1,616.70 149.92 10.2%376.84 25.51 7.3

21、%2015(A)27 359.10 152.34 73.7%106.42 71.14 201.6%183.05 33.76 22.6%182.79 40.98 28.9%2015 2014(%)10,409 4,920 5,489 111.6 2,796 680 2,116 311.2 1,894 3,673(1,779)(48.4)31,290 23,600 7,690 32.6 46,389 32,873 13,516 41.1 463.89 135.16 41.1%54.89 21.16 18.94 17.79 76.90 2015(A)28 2015 2014(%)114,173 11

22、2,022 2,151 1.9 13,487 15,053(1,566)(10.4)3,368 3,252 116 3.6 46,795 45,934 861 1.9 177,823 176,261 1,562 0.9 1,778.23 15.62 0.9%1.26 25.49%869.93 302.64 53.3%860.22 297.55 52.9%7.40.309.76 60.37 24.2%855.15 1.89 0.2%23.54%42.2015(A)29 7.2.2 MOVA 2015 2014%328,747 47.1 308,501 46.8 265,063 38.0 251,

23、902 38.2 100,013 14.3 94,555 14.4 3,824 0.6 3,934 0.6 697,647 100.0 658,892 100.0 2015 2014%76,519 11.0 70,848 10.8 119,354 17.1 117,134 17.8 82,151 11.8 80,375 12.2 132,556 19.0 116,555 17.7 84,875 12.2 84,233 12.8 104,296 14.9 103,511 15.7 31,291 4.5 33,280 5.1 66,605 9.5 52,956 7.9 697,647 100.0

24、658,892 100.0 2015(A)30 7.2.3 2015 2015 222,097.80 15,998.27 7.8%9,071.35 8.2%5,767.26 13.0%4,639.89 13.2%52.5%22.5%13.8%2015 12 31 2014 12 31(%)(%)11,933,466 11,026,331 280,654 257,581 11,652,812 52.5 10,768,750 52.2 5,009,963 22.5 4,433,237 21.5 3,059,633 13.8 3,523,622 17.1 683,793 3.1 782,776 3.

25、8 996,333 4.5 468,462 2.3 807,246 3.6 633,106 3.1 22,209,780 100.0 20,609,953 100.0 2015(A)31 2015 2015 119,334.66 9,071.35 8.2%105,980.36 8,808.12 9.1%2015 12 31 2014 12 31(%)(%)7,869,552 65.9 7,612,592 69.0 522,052 4.4 350,274 3.2 3,541,862 29.7 3,063,465 27.8 11,933,466 100.0 11,026,331 100.0 201

26、5 12 31 2014 12 31(%)(%)2,885,948 36.7 2,982,425 39.2 4,983,604 63.3 4,630,167 60.8 7,869,552 100.0 7,612,592 100.0 2015(A)32 2015 12 31 2014 12 31(%)(%)3,454,731 43.9 3,411,064 44.8 670,325 8.5 982,384 12.9 3,936,017 50.0 3,711,715 48.8 478,804 6.1 489,813 6.4 7,869,552 100.0 7,612,592 100.0 2,569.

27、60 3.4%28,859.48 36.7%49,836.04 63.3%436.67 1.3%3,557.26 14.6%2,243.02 6.0%110.09 2.2%1,717.78 49.0%2015 12 31 2014 12 31(%)(%)2,516,197 71.1 2,070,366 67.6 311,075 8.8 309,889 10.1 295,091 8.3 316,965 10.3 419,499 11.8 366,245 12.0 3,541,862 100.0 3,063,465 100.0 4,783.97 15.6%4,458.31 21.5%218.74

28、6.9%2015(A)33 532.54 14.5%2015 2015 50,099.63 5,767.26 13.0%2015 12 31 2014 12 31(%)(%)4,775,767 95.3 4,268,560 96.3 4,548,687 90.8 3,996,664 90.2 193,187 3.9 197,128 4.4 33,893 0.6 74,768 1.7 234,196 4.7 164,677 3.7 5,009,963 100.0 4,433,237 100.0 45,486.87 5,520.23 13.8%1,931.87 39.41 2015 12 10.2

29、015(A)34 2015 12 31 2014 12 31(%)(%)1,468,674 32.3 1,026,985 25.7 325,245 7.2 346,154 8.7 1,513,092 33.3 1,687,791 42.2 1,241,676 27.2 935,734 23.4 4,548,687 100.0 3,996,664 100.0 4,416.89 43.0%209.09 6.0%1,746.99 10.4%3,059.42 32.7%2015 12 31 2014 12 31(%)(%)1 141 0.0 126 0.0 3 330,174 7.3 188,807

30、4.7 3 12 873,122 19.2 454,692 11.4 1 5 2,243,337 49.3 2,370,831 59.3 5 1,101,913 24.2 982,208 24.6 4,548,687 100.0 3,996,664 100.0 1 5,597.97 10.4 1 5 1,274.94 10.0 2015(A)35 2015 12 31 2014 12 31(%)(%)4,290,104 94.3 3,847,713 96.3 176,607 3.9 98,593 2.5 81,976 1.8 50,358 1.2 4,548,687 100.0 3,996,6

31、64 100.0 4,423.91 11.5%780.14 79.1%316.18 62.8%2015 12 31 2014 12 31(%)(%)343,272 6.9 346,828 7.8 1,444,195 28.8 1,188,288 26.8 2,870,353 57.3 2,566,390 57.9 352,143 7.0 331,731 7.5 5,009,963 100.0 4,433,237 100.0 2015 120,731.28 15,130.92 5,600.36 73.0%27.0%1 2015(A)36 2007 17,900 5.07%2017 11 29-2

32、008 16,480 4.95%2018 3 11-2011 13,990 4.49%2018 8 25-2011 11,395 4.25%2018 3 24-2012 11,300 4.04%2022 6 25-2010 11,050 3.51%2020 7 27-2011 10,740 4.68%2016 9 26-2011 10,505 4.62%2021 2 22-2012 10,490 3.94%2019 8 21-2010 10,450 0.59%2020 2 25-30,596.33 4,639.89 13.2%9,963.33 5,278.71 112.7%2015(A)37

33、2015 204,092.61 13,366.12 7.0%2015 12 31 2014 12 31(%)(%)16,281,939 79.8 15,556,601 81.6 2,265,860 11.1 1,539,239 8.1 337,191 1.7 380,957 2.0 306,622 1.5 279,590 1.4 1,217,649 5.9 1,316,262 6.9 20,409,261 100.0 19,072,649 100.0 2015 162,819.39 7,253.38 4.7%3,998.81 5.0%4,125.07 5.7%2,028.58 2.6%6,09

34、5.30 8.4%2015(A)38 2015 12 31 2014 12 31(%)(%)3,929,353 24.1 3,902,305 25.1 4,507,661 27.7 4,134,828 26.6 8,437,014 51.8 8,037,133 51.7 4,210,600 25.9 4,034,790 25.9 3,390,514 20.8 3,153,817 20.3 7,601,114 46.7 7,188,607 46.2 1 243,811 1.5 330,861 2.1 16,281,939 100.0 15,556,601 100.0 2015 12 31 201

35、4 12 31(%)(%)74,081 0.5 76,972 0.5 3,185,840 19.5 3,078,463 19.8 2,086,992 12.8 2,001,180 12.8 4,339,841 26.6 4,163,766 26.8 2,374,052 14.6 2,189,392 14.1 2,717,941 16.7 2,572,310 16.5 938,199 5.8 901,068 5.8 564,993 3.5 573,450 3.7 16,281,939 100.0 15,556,601 100.0 2015 12 31 2014 12 31(%)(%)1 8,51

36、5,746 52.3 7,908,683 50.8 3 2,133,439 13.1 2,290,971 14.7 3 12 3,574,017 22.0 3,361,635 21.6 1 5 2,055,662 12.6 1,958,020 12.6 5 3,075 0.0 37,292 0.3 16,281,939 100.0 15,556,601 100.0 2015(A)39 154,359.86 94.8%6,371.10 4.3%8,459.53 882.28 11.6%22,658.60 7,266.21 47.2%2015 18,005.19 2,632.15 17.1%17,

37、894.74 2,586.15 16.9%7.2.4 11,317.64 31,880.98 7,273.90 20,563.34 2,029.17 6,669.61 13,826.54 3,659.36 20,496.15 8,861.56 367.32 1,615.37 1,982.69 2015(A)40 7.3 7.3.1 2015 532.1 22.7 2025 2015 78,695.52 2,569.60 3.4%84,370.14 3,998.81 5.0%2015(A)41 154 e 2015 12 18,832.08 9.4%2015 12 31 2014 12 31(%

38、)(%)4,738,830 43.5 4,525,444 44.8 2,855,622 26.2 2,803,904 27.7 1,883,208 17.3 1,721,540 17.1(1)(2)2015(A)42 e 70 20 2015 639.7 4.4%2,264 19.3%127.0 12.9%4,915 12.4%2015(A)43 2015 1,040 2.6 9,500 PPP 11,520 50/2015 267.91 7.3.2 e 2015(A)44 2015 11.59 1.09 4.96 3,151 1,044 80 2015 76,011.14 4,125.07

39、5.7%7.5%4.4%2015 35,418.62 4,783.97 15.6%2015(A)45 22 2015 6.24 1.93 44.8%1.06 3,259 44.3%2015 7.5 8,287 88,416 18.0%376.84 7.3%2015 12 31 2014 12 31%74,575 66,288 12.5 63,684 56,232 13.3 10,891 10,056 8.3 2015 2014%88,416 74,915 18.0 65,146 56,229 15.9 23,270 18,686 24.5 1 12,578 12,056 4.3(1)=/HCE

40、 VISA 2015(A)46 VISA 2015 360eID HCE 7.3.3 e 2015(A)47 QDII RQDII QFII RQFII QFLP UCITS e e e 2 2015 26,165.98 32.0%150 QDII RQDII QFII RQFII 2015 11.5 97.4%2015 827 1,523 4,397 2015(A)48 e 2015 1.25 3,884 80 NDF 7,265 e 3,240 70.0%7 24 2015(A)49 2015 2 10 2015 9 17 10,379 2015 1,668 62.4%7.3.4 2015

41、 2015(A)50 52.26 50.36 1,566 2015 5,889 101 20.24.7.3.5 2015(A)51 2015 e e B2C B2B B2G 220 8 2015 e 8,000 3,000 e 2015 e e e e e e 2015(A)52 TalkingData 2015 e 1.9 2015 5,000 450 2,100 3,400 1,335 e 1 2,100 e POS e 2015 3,300 2015(A)53 7.3.6 2015 1,082 3,121 2015 16,732 29,043 12.3%99,789 8.1%126,66

42、8 16.7%e e B2C 2015(A)54 500 86%592 30%4.2 90.2%2015 11.6%12.5%WIFI LBS WIFI 2015(A)55 3.15 7.3.7 60%Tekstilbank 92.8169%2015(A)56 2015 42 404 20 147 1,611 18 123 e 8 e 62.2%95.2%155.3%26.8%17.4%52.8%136.7%()2015 2014 2015 2014 2015 2014 135,988 118,110 1,543 1,374 107 106 67,323 62,457 783 689 84 8

43、2 56,089 22,592 58 238 78 16 55,853 52,370 436 391 134 133 1 3,295 4,305 346 331 1 1(38,718)(23,838)279,830 235,996 3,166 3,023 404 338 1 2015(A)57 2015 2,798.30 438.34 18.6%8.2%1.1 1,440.60 130.77 10.0%867.58 56.91 6.2%31.66 4.7%6 24 RQFII 2015 4.41 20.6%2015(A)58 2015(A)59 363.79 IPO 2015 946.79 9

44、1.29 8.75 48.82 2015 20.87 9.01 0.99 5.89 89.33%2015 240.39 21.20 2.64 3.31 2015 9.49 0.96 660 2.69 98.61%2015(A)60 2015 32.17 2.88 4,128 201.32 97.86%2015 50.71 6.82 3,709 89.33 2015 3.14 4,323 588 6,037.77 2015 5.08 0.37 2 2015 32.13 3.58 3,444 4.37 2015(A)61 2015 82.10 6.19 3,453 23.10 2015 9.45

45、5,968 1,680 3.09 80%2015 17.14 3.14 348 5,000 2015 318.20 11,476 1,685 15,800 80%2015(A)62 2015 11.07 1.49 967 13.45 80%2015 44.75 5.34 1.68 2.02 99.99%2015 2.41 5,296 242 5,000 2015 1.46 2,956 6.64 2015 3,693 3,642 2015(A)63 4.20 92.8169%2015 22.74 2.05 10.83 60%2015 201.21 10.93 2 80%QDII RQFII 20

46、15 74 170 9,500 39.42 28.39 12.90 2015(A)64 110 2015 2,987 225 33.04 87.05 60%2015 665.68 101.76 4.50 20.08%2015 2015 19,793.49 1,789.08 237.54 7.3.8 2015(A)65 IT IT API FOVA FOVA IC 2015 47 404 7.3.9 e ICBC 2015(A)66 5.2 415 11.4 2015(A)67 7.4 7.4.1 2015 2015(A)68 7.4.2 1 2 3 4 5 2015 2015(A)69 e-I

47、CBC 18+60 2015(A)70 7x24 2015(A)71 2015 2015 2015 239,525.37 15,118.16 1.1 2015 2015(A)72 2015 12 31 2014 12 31(%)(%)11,233,456 94.14 10,582,050 95.97 520,492 4.36 319,784 2.90 179,518 1.50 124,497 1.13 104,805 0.87 66,809 0.60 60,512 0.51 49,359 0.45 14,201 0.12 8,329 0.08 11,933,466 100.00 11,026,

48、331 100.00 2015 112,334.56 6,514.06 94.14%5,204.92 2,007.08 4.36%1,795.18 550.21 1.50%2015 12 31 2014 12 31%7,869,552 65.9 135,256 1.72 7,612,592 69.0 92,277 1.21 522,052 4.4 524 0.10 350,274 3.2 71 0.02 3,541,862 29.7 43,738 1.23 3,063,465 27.8 32,149 1.05 11,933,466 100.0 179,518 1.50 11,026,331 1

49、00.0 124,497 1.13 1,352.56 429.79 1.72%437.38 115.89 1.23%2015(A)73 2015 12 31 2014 12 31%(%)%(%)1,496,241 21.6 51,353 3.43 1,532,947 22.7 35,681 2.33 254,497 3.7 8,566 3.37 256,186 3.8 3,637 1.42 235,873 3.4 7,996 3.39 238,857 3.5 6,288 2.63 171,065 2.5 7,138 4.17 175,163 2.6 4,819 2.75 140,369 2.0

50、 6,644 4.73 139,117 2.1 4,181 3.01 113,841 1.6 1,043 0.92 111,892 1.7 908 0.81 97,733 1.4 1,064 1.09 121,013 1.8 906 0.75 91,944 1.3 4,710 5.12 98,443 1.5 3,569 3.63 69,875 1.0 1,756 2.51 70,236 1.0 1,980 2.82 52,127 0.8 240 0.46 51,951 0.8 204 0.39 268,917 3.9 12,196 4.54 270,089 3.9 9,189 3.40 1,4