贵阳银行股份有限公司 BANK OF GUIYANG CO.,LTD. 2018 年第三季度报告 （股票代码：601997） 二〇一八年十月 | | | | 一、 重要提示 2 | | --- | | 二、 公司基本情况 3 | | 三、 季度经营情况简要分析 7 | | 四、 重要事项 9 | | 五、 附录 11 | 贵阳银行股份有限公司 2018 年第三季度报告 一、 重要提示 (一) 公司董事会、监事会及董事、监事、高级管理人员保证本季度 报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏，并对 其内容的真实性、准确性和完整性承担个别及连带责任。 (二) 公司第四届董事会 2018 年度第三次临时会议以通讯表决方式审 议通过了《贵阳银行股份有限公司 2018 年第三季度报告》。会议应参 与表决董事 14 人，实际参与表决董事 14 人。 注：加权平均净资产收益率、扣除非经常性损益后加权平均净资产收益率、总资产收益率未年化处理 扣除非经常性损益项目和金额 | | 单位：千元 | 币种：人民币 | | --- | --- | --- | | 项目 | 本期金额（7-9 月） | 年初至报告期末金额（1 ...

贵阳银行股份有限公司 BANK OF GUIYANG CO.,LTD. 2018 年半年度报告 （股票代码：601997） 二〇一八年八月 贵阳银行股份有限公司 2018 年半年度报告 | | | | 第一节 | 重要提示及释义 | 2 | | --- | --- | --- | | 第二节 | 公司简介和主要财务指标 | 5 | | 第三节 | 公司业务概要 | 11 | | 第四节 | 经营情况讨论与分析 | 14 | | 第五节 | 重要事项 | 45 | | 第六节 | 普通股股份变动及股东情况 | 62 | | 第七节 | 董事、监事、高级管理人员和员工情况 | 70 | | 第八节 | 财务报告 | 72 | | 第九节 | 备查文件目录 | 73 | -1- 贵阳银行股份有限公司 2018 年半年度报告 第一节 重要提示及释义 一、公司董事会、监事会及董事、监事和高级管理人员保证半年度报告 所载内容不存在任何虚假记载、误导性陈述或重大遗漏，并对其内容的 真实性、准确性和完整性承担个别及连带责任。 二、公司第四届董事会2018年度第三次会议于2018年8月24日审议通过 了2018年半年度报告及摘 ...

Financial Performance - Operating income for 2017 reached RMB 12,477,022 thousand, an increase of 22.82% compared to 2016[22] - Net profit attributable to shareholders of the parent company was RMB 4,530,676 thousand, reflecting a growth of 23.98% year-on-year[22] - Total assets as of December 31, 2017, amounted to RMB 464,106,363 thousand, representing a 24.67% increase from the previous year[22] - The bank's total deposits reached RMB 297,530,647 thousand, marking a 13.13% increase from the previous year[22] - The diluted earnings per share increased to RMB 1.97, a rise of 5.91% year-on-year[22] - The net profit for 2017 was RMB 4,587,510 thousand, a 24.4% increase from RMB 3,688,733 thousand in 2016[95] - Interest income for 2017 was RMB 19,430,610 thousand, significantly higher than RMB 13,146,221 thousand in 2016, reflecting a growth of 47.7%[96] - The bank's non-interest income was RMB 1,413,686 thousand in 2017, slightly down from RMB 1,419,957 thousand in 2016[93] Risk Management - The company faced various risks including credit risk, market risk, liquidity risk, operational risk, compliance risk, information technology risk, and reputation risk, which are being effectively managed[7] - The company has taken measures to manage and control various operational risks effectively[7] - The liquidity coverage ratio was reported at 169.21%, indicating strong liquidity management[31] - The bank's liquidity risk indicators were reported to be in good condition, with established liquidity risk limits and monitoring tools[147] - The bank's market risk was effectively controlled, with a focus on daily monitoring and risk limit management[150] - The bank did not experience any significant operational risk events during the year, indicating a strong operational risk management framework[149] - The bank's information technology risk management achieved a regulatory rating of 2B, with no systemic technology risks reported[152] Governance and Compliance - The board meeting had 15 directors, with 12 attending in person, indicating strong governance participation[4] - The annual financial report was audited by Ernst & Young Hua Ming and received a standard unqualified opinion[4] - The company has committed to not transferring or entrusting the management of its shares for 36 months from the date of its initial public offering, ensuring compliance with relevant regulations[176] - The company has a lock-up period for its directors and senior management, restricting share transfers for three years post-IPO[177] - The company has disclosed that it will not repurchase shares during the lock-up period, maintaining shareholder confidence[176] - The company has outlined its compliance with the new accounting standards and the impact of these changes on its financial reporting[180] Shareholder Returns - The board of directors proposed a cash dividend of 3.3 RMB per 10 shares, totaling 759 million RMB to be distributed to shareholders[4] - The proposed cash dividend for 2017 is CNY 0.33 per 10 shares, totaling CNY 759 million, which represents 16.75% of the net profit attributable to shareholders[174] - The cash dividend distribution for 2017 increased by 26.92% compared to 2016, reflecting the company's commitment to enhancing shareholder returns[174] Customer and Market Development - Retail customer base grew to 6.78 million, an increase of 34.24% year-on-year[41] - The bank launched over 20 new financial products, enhancing service capabilities through technology integration[42] - The company successfully integrated various financial services through mobile internet and big data technologies, enhancing customer experience and service personalization[65] - The bank's wealth management products had a total outstanding balance of CNY 731.20 billion, reflecting a growth of 28.6% compared to the beginning of the year[138] Loans and Credit - The total amount of loans and advances reached RMB 125,514,253 thousand, with corporate loans accounting for 76.12% and personal loans 23.88%[74] - The non-performing loan ratio improved to 1.34%, a decrease of 0.08 percentage points from 2016[22] - The bank's total loans to related parties amounted to CNY 3.96 billion, with a term of three years and an interest rate increase of 20%-40%, secured by real estate and land[187] - The bank's financial poverty alleviation loan balance reached CNY 15.35 billion, benefiting approximately 1.5876 million people through direct support and project services[193] Strategic Initiatives - Guizhou Bank plans to establish a Green Finance Division to promote the development of green finance as a key strategic direction[164] - The bank aims to enhance its risk resistance capabilities and accelerate strategic transformation while maintaining compliance with capital adequacy requirements[174] - The bank's strategy focuses on becoming a "big data characteristic bank" and a "green ecological characteristic bank" to adapt to new economic and financial conditions[164] Community and Social Responsibility - The bank established rural financial service stations in over 60 counties, serving more than 700,000 farmers with over 600,000 transactions[194] - The company implemented 18 projects for poverty alleviation, raising a total of 2.1822 million RMB in self-raised and coordinated funds[195] - The collective economic income of the village increased by 150,000 RMB through initiatives such as car wash rentals and pig farming[195] - Over 20 low-income households were assisted, with an average income increase of over 5,400 RMB per household[195]

(一) 本行董事会、监事会及董事、监事、高级管理人员保证本季度 报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏，并对 其内容的真实性、准确性和完整性承担个别及连带责任。 贵阳银行股份有限公司 BANK OF GUIYANG CO.,LTD. 2018 年第一季度报告 （股票代码：601997） 二〇一八年四月 | 一、 | 重要提示 | 2 | | --- | --- | --- | | 二、 | 公司基本情况 | 3 | | 三、 | 季度经营情况简要分析 | 7 | | 四、 | 重要事项 | 7 | | 五、 | 附录 | 10 | 贵阳银行股份有限公司 2018 年第一季度报告 一、 重要提示 (二) 本行第四届董事会 2018 年度第二次会议以表决方式审议通过了 《贵阳银行股份有限公司 2018 年第一季度报告》。会议应出席董事 15 人，亲自出席董事 12 人，曾军董事委托斯劲董事代为行使表决权，朱 慈蕴独立董事委托罗宏独立董事代为行使表决权，杨雄独立董事委托 刘运宏独立董事代为行使表决权，本行监事会成员列席了本次会议。 (三) 本季度报告所载财务数据及指标按照中国企业会计准则编制， 除特 ...

贵阳银行股份有限公司 BANK OF GUIYANG CO.,LTD. 2017 年第三季度报告 （股票代码：601997） 贵阳银行股份有限公司 2017 年第三季度报告 (二) 公司第四届董事会 2017 年度第二次会议以现场表决方式审议通 过了《贵阳银行股份有限公司 2017 年第三季度报告》。会议应表决董 事 9 名，实际表决董事 9 名。 (三) 本季度报告所载财务数据及指标按照中国企业会计准则编制， 除特别说明为母公司数据外，均为贵阳银行股份有限公司及控股子公 司广元市贵商村镇银行股份有限公司、贵阳贵银金融租赁有限责任公 司的合并报表数据，货币单位以人民币列示。 (四) 公司董事长陈宗权先生、行长李忠祥先生、主管会计工作的负 责人夏玉琳女士、会计机构负责人李云先生保证本季度报告中财务报 表的真实、准确、完整。 (五) 公司 2017 年第三季度财务会计报告未经审计。 二、 公司基本情况 目 录 | 一、重要提示"""""""""""""""""""""""2 | | --- | | 二、公司基本情况"""""""""""""""""""""2 | | 三、季度经营情况简要分析""""""""""" ...

贵阳银行股份有限公司 BANK OF GUIYANG CO.,LTD. 2017 年半年度报告 （股票代码：601997） 二〇一七年八月 贵阳银行股份有限公司 2017 年半年度报告 | | | | 第一节 | 重要提示及释义 | 2 | | --- | --- | --- | | 第二节 | 公司简介 | 5 | | 第三节 | 会计数据和财务指标 | 7 | | 第四节 | 公司业务概要 | 10 | | 第五节 | 经营情况讨论与分析 | 13 | | 第六节 | 重要事项 | 40 | | 第七节 | 普通股股份变动及股东情况 | 54 | | 第八节 | 董事、监事、高级管理人员和员工情况 | 59 | | 第九节 | 财务报告 | 62 | | 第十节 | 备查文件目录 | 63 | -1- 贵阳银行股份有限公司 2017年半年度报告 第一节 重要提示及释义 一、公司董事会、监事会及董事、监事和高级管理人员保证半年 度报告所载内容不存在任何虚假记载、误导性陈述或重大遗漏，并对 其内容的真实性、准确性和完整性承担个别及连带责任。 二、公司第四届董事会2017年度第一次临时会议于2017年8月28 ...

贵阳银行股份有限公司 BANK OF GUIYANG CO.,LTD. 2017 年第一季度报告 （股票代码：601997） 二〇一七年四月 | 一、 | 重要提示 | 1 | | --- | --- | --- | | 二、 | 公司基本情况 | 1 | | 三、 | 季度经营情况简要分析 | 4 | | 四、 | 重要事项 | 5 | | 五、 | 补充财务数据 | 7 | | 六、 | 附录 | 9 | 贵阳银行股份有限公司 2017 年第一季度报告 一、 重要提示 (一) 本行董事会、监事会及董事、监事、高级管理人员保证本报告所载 资料不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真 实性、准确性和完整性承担个别及连带责任。 (二) 本行第三届董事会 2017 年度第一次临时会议以通讯表决方式审议 通过了《贵阳银行股份有限公司 2017 年第一季度报告》。会议应表决董 事 14 名，实际表决董事 14 名。 (三) 本季度报告所载财务数据及指标按照中国企业会计准则编制，除特 别说明为母公司数据外，均为贵阳银行股份有限公司及控股子公司广元 市贵商村镇银行股份有限公司、贵阳贵银金融租赁有限责任公 ...