與您共建美好生活建設銀行
202332913
20220.3892022
目录
重要提示i
释义
公司简介
财务与经营亮点
财务摘要
董事长报告
行长报告
监事长报告
管理层讨论与分析
财务回顾
业务回顾
风险管理
资本管理
经营发展热点问题讨论
展望
公司治理报告
股东大会
董事会
董事会专门委员会
监事会
监事会专门委员会
高级管理层
董事、监事及高级管理人员情况
员工情况
内部控制
股东权利
投资者关系
环境和社会责任(环境、社会和治理)
治理
公司行为
环境与气候
专题
10AI82118512871310314104151051611617APP1651817819ESG18120196
案例
10122
社会发展
可持续发展投融资进展
重要事项
股份变动及股东情况
普通股股份变动情况表
证券发行与上市情况
普通股股东情况
本行主要股东
优先股相关情况
董事会报告书
监事会报告书
组织架构图
分支机构及子公司
附录一 外部审计师审计报告及财务报告
附录二 商业银行系统重要性评估指标
2022
2022
BCTrade
+++e+FITS?Financial Total Solutions
ESG 2018112223
24372006215
2022
195410200510
9392007960193920221,585.414
14,356352,5887.39935
24,09431
愿景
使命
核心价值观
理念
作风
中国建设银行股份有限公司 2022年年报公司简介
企业文化传承与发扬1954
2019年11月2019年12月
2017年8月
2021年2月2021年7月
APP
新金融行动大事记
2022年年报 中国建设银行股份有限公司
公司简介
2018年12月2019年1月
2018年4月2018年5月
2018年7月
2022年1月
2022-2025
2022年10月
2022
CHINA CONSTRUCTION BANK CORPORATIONCCB
璟
10003386-10-67597114 www.ccb.cn www.ccb.com95533
86-10-6621553386-10-66218888
ir@ccb.com www.cs.com.cn www.cnstock.com
www.stcn.com
www.zqrb.cn www.sse.com.cn www.hkexnews.hkA
601939H
360030
鲗97927
1212-14
A
H
183171712-1716A/A-1/A1/P-1/A/F1+/ESGA
2022
2022年度风险管理银行第十四届中国企业社会责任年会
“责任典范企业”
2022年亚太地区最佳零售银行2022年中国最佳零售银行2022年中国最佳大型零售银行
2022年中国最佳社会责任银行
2022年全球最佳次托管银行-中国市场
全球绿色金融奖“2022中国企业500强”榜单第6位
最佳金融创新奖
2022年“世界500强”企业榜单
第24位“全球银行1000强”榜单
第2位
ASIAMONEY
FORTUNE
中国建设银行股份有限公司 2022年年报
财务与经营亮点经营业绩表现良好,核心指标稳健均衡资产(万亿元)
负债(万亿元)
20202021202220192018
10203040 | 10203040 |
20202021202220192018
1.00%
ROA
12.27%
ROE
28.12%241.53%1.38%
18.42%
净利润(亿元)分红(元 / 每股)
明晟ESG评级A
202020212022201920181,5002,0002,5003,0003,500 | 00.10.20.30.420202021202220192018 |
2022年年报 中国建设银行股份有限公司
财务与经营亮点
一二曲线相融共进,新金融实践成果丰硕
建行惠懂你科创金融建行全球撮合家
数字人民币建行生活
建行云
智慧政务
劳动者港湾
裕农通
CCB建融
家园
手机银行
普惠共享ESG
科技
1.60
23 35
1.7
1413 2.4
1.6
4,300
CCB
500 200 1.2
40%
2,000
+
40%
4.4
5.48%
服务实体经济,精准滴灌普惠、「三农」、科创等重点领域和薄弱环节
加强金融科技基础设施建设,内外赋能成效显著
支持「一带一路」建设,服务构建「双循环」
新发展格局
「双子星」
融合发展,巩固零售信贷第一大行优势
提供暖心便民服务,助力国家治理能力现代化
探索租购并举的房地产发展新模式,助力化解房地产市场风险
2022
2022年2021(%)202020192018
全年业绩
822,473824,246(0.22)755,858705,629658,891643,064605,4206.22575,909537,066508,842116,085121,492(4.45)114,582110,898100,471
63,32497,334(34.94)65,36757,66549,578
(213,219)(209,864)1.60(179,308)(179,531)(167,208)(154,539)(167,949)(7.98)(193,491)(163,000)(151,109)(479)
(766)(37.47)3,562(521)121381,943378,7760.84337,246326,954308,514382,017378,4120.95336,616326,597308,160323,166303,9286.33273,579269,222255,626323,861302,5137.06271,050266,733254,655319,323297,9757.16265,426262,771250,719
323,703302,6946.94271,947266,995254,838
978,419436,718124.04580,685581,287443,767
于12月31日
34,601,91730,253,97914.3728,132,25425,436,26123,222,69320,495,11718,170,49212.7916,231,36914,542,00113,366,49231,723,15727,639,85714.7725,742,90123,201,13421,231,09925,020,80722,378,81411.8120,614,97618,366,29317,108,678
2,878,7602,614,12210.122,389,3532,235,1271,991,594
2,856,7332,588,23110.372,364,8082,216,2571,976,463250,011250,011–250,011250,011250,011
2,706,4592,475,4629.332,261,4492,089,9761,889,390
140,074100,06639.98100,068119,71679,720
793,905676,75417.31471,164427,896379,536
3,640,4383,252,28211.932,832,6812,637,5882,348,646
19,767,83418,215,8938.5216,604,59115,053,29113,659,497
每股计(人民币元)
1.28
1.197.561.061.051.00
1.28
1.197.561.071.051.00
0.389
0.3646.87 0.3260.3200.306
10.87
9.959.259.068.397.59
3.91
1.75123.432.322.331.77
1.2.
3. 92010
2022年年报 中国建设银行股份有限公司
财务摘要
2022年2021+/(-)202020192018盈利能力指标(%)
1.00
1.04(0.04)1.021.111.13
12.27
12.55(0.28)12.1213.1814.04
12.26
12.56(0.30)12.1613.1914.05
1.82
1.94(0.12)2.042.162.22
2.02
2.13(0.11)2.192.322.36
14.11
14.74(0.63)15.1615.7215.25
28.12
27.430.6925.1226.5326.42
资本充足指标(%)
13.69
13.590.1013.6213.8813.83
14.40
14.140.2614.2214.6814.42
18.42
17.850.5717.0617.5217.19
8.32
8.64(0.32)8.498.798.58
资产质量指标(%)
1.38
1.42(0.04)1.561.421.46
241.53
239.961.57213.59227.69208.37
3.34
3.40(0.06)3.333.233.04
1.
2. 920103.4.
5. =/6.7.
2022年2021第一季度第二季度第三季度第四季度232,230203,740194,569191,934216,523199,809208,073199,84188,74172,90185,64076,57983,11570,18578,85370,360
88,75072,75785,64476,55283,00970,04178,97670,668
479,940335,5618,764154,154253,365(81,206)301,066(36,507)
中国建设银行股份有限公司 2022年年报
董事长报告
田国立各位股东:
2022
2022
34.6014.37%3,231.666.33%ROAROE1.00%12.27%1.38%
0.389
2022
2023
20229
20222,400
96%200CCB
REITsAPP
2022
3.0
APP
2.35
8.41%
54.4
22030
7.7
4031
1.4
2.3
1.7210
2.75
ESGA
2022
2022
5.792.25
56.65%
2022CCB
1020
APP
蹚
田国立
2023329
2022年年报 中国建设银行股份有限公司
张金良
行长报告
各位股东:
2022
资产负债稳健均衡增长,为实体经济注入源源不断的金融动能。202234.6014.37%
20.5012.79%8.3112.70%
31.7214.77%25.0211.81%经营效益保持市场前列,为客户股东创造稳定可靠的价值回报。3,231.66
6.33%2.02%1.00%
12.27%18.42%资产质量管控成效显著,为金融稳定贡献坚实有效的大
行担当。1.38%241.53%
2022
坚持战略引领,以新金融实践服务新发展格局。
4,776.76
57.60%
7,869.76110%
ESG A
坚持共生共荣,以金融力量助力实体经济。
2.39
坚持金融为民,以专业服务拥抱广大客户。
2022
7.3917
5.799坚持因时而进,以科技渠运赋能美好生活。
4.401
行长报告
2022
坚持底线思维,以全面、主动、智能之势强化风险合规管理。
III
2023
行长报告
张金良2023329
中国建设银行股份有限公司 2022年年报
监事长报告
王永庆
各位股东:
2022
2022年年报 中国建设银行股份有限公司
监事长报告
我们把服务实体经济作为监督工作的立足点。
我们推动新金融行动更好服务人民对美好生活的向往。IT
ESG
我们助力守住不发生系统性风险底线。
我们努力破解新发展中的难题。
我们不断完善公司治理监督机制。
王永庆
2023329
中国建设银行股份有限公司 2022年年报
财务回顾
2022
2022
2.0%
3.0%
20222022
2022
34.60
14.37%20.5012.79%
31.7214.77%25.0211.81%
3,231.666.33%6,430.642.02%1.00%
12.27%18.42%
1.38%241.53%
利润表分析23
??????资产负债表分析31
?????现金流量表分析
其他财务信息
管理层讨论与分析
2022年年报 中国建设银行股份有限公司
财务回顾
利润表分析20223,820.170.95%3,231.666.33%(1)
376.446.22%(2)54.07
4.45%(3)1.60%28.12%0.69
(4)1,550.18
8.12%
2022年2021(%)2020
643,064605,4206.22575,909179,409218,826(18.01)179,949116,085121,492(4.45)114,582营业收入822,473824,246(0.22)755,858(8,154)(7,791)4.66(7,325)(213,219)(209,864)1.60(179,308)(154,539)(167,949)(7.98)(193,491)
(479)
(766)(37.47)3,562
(64,139)(59,100)8.53(42,050)营业利润381,943378,7760.84337,246
(364)(630)利润总额382,017378,4120.95336,616(58,851)(74,484)(20.99)(63,037)净利润323,166303,9286.33273,579
2022
20226,430.64376.446.22%
78.19%
2022年2021平均余额
利息收入/
支出平均收益率/成本率(%)
//
(%)
资产
20,269,772846,0174.1718,028,304767,0614.257,553,945256,2373.396,609,659225,7063.412,567,57139,1771.532,530,64736,7751.45585,45313,4452.30726,81914,8982.05897,83315,0241.67587,76812,8942.1931,874,5741,169,9003.6728,483,1971,057,3343.71
(713,041)(626,618)
1,954,3321,757,377资产总额33,115,8651,169,90029,613,9561,057,334负债
23,315,100402,2501.7321,397,697358,2411.67
2,915,79856,7391.952,313,94840,9891.771,530,47645,8573.001,043,39531,4833.02726,73120,4702.82708,60120,3842.8852,7211,5202.8840,1218172.0428,540,826526,8361.8525,503,762451,9141.771,807,9441,653,036负债总额30,348,770526,83627,156,798451,914利息净收入643,064605,420净利差1.82
1.94
净利息收益率2.02
2.13
2022
1.82%12
2.02%11
2022
规模因素
利率因素
利息收支变动
资产
93,627(14,671)78,95631,867(1,336)30,5315021,9002,402(3,127)1,674(1,453)5,684(3,554)2,130利息收入变化128,553(15,987)112,566负债
31,41412,59544,00911,3234,42715,75014,584(210)14,374
516(430)86304399703
利息支出变化58,14116,78174,922利息净收入变化70,412(32,768)37,644
1.
376.44704.12
327.68
30,000-30,000
60,000
-60,000
90,000
120,000150,000
20,000-20,000
40,000
-40,000
60,00080,000100,000
30,000-30,000
60,000
-60,000
90,000120,000150,000
20,000-20,000
40,000
-40,000
60,00080,000100,000
中国建设银行股份有限公司 2022年年报
财务回顾
利息收入20221.171,125.6610.65%
72.32%21.90%3.35%1.15%1.28%
利息收入占比利息收入结构(百万元)
150,000300,000
2022年2021
平均余额利息收入
平均收益率(%)(%)公司类贷款和垫款10,436,109408,4253.919,162,756365,2933.992,994,263103,0233.442,743,69697,8613.57
7,441,846 305,402 4.106,419,060267,4324.17个人贷款和垫款8,069,630 392,190 4.867,547,245362,7424.811,415,45068,0724.811,253,16856,4244.506,654,180324,1184.876,294,077306,3184.87票据贴现698,59310,2161.46250,8616,4242.56境外及子公司1,065,44035,1863.301,067,44232,6023.05发放贷款和垫款总额20,269,772846,0174.1718,028,304767,0614.258,460.17789.5610.29%
12.43%
2,562.37305.3113.53%
14.29%
391.7724.026.53%
1.46%8
134.4514.539.75%
19.45%
150.2421.3016.52%
52.75%
发放贷款和垫款金融投资存放中央银行款项存放同业款项及拆出资金买入返售金融资产
2022年年报 中国建设银行股份有限公司
财务回顾
利息支出20225,268.36749.2216.58%
76.35%10.77%8.70%
3.89%0.29%
2022年2021
平均余额利息支出
平均成本率(%)(%)
公司类存款10,712,344178,0031.6610,153,188153,6601.516,435,78359,8860.936,356,40955,1170.874,276,561118,1172.763,796,77998,5432.60个人存款12,102,090220,9131.8310,816,186201,0901.864,929,20414,3020.294,643,98414,5050.317,172,886206,6112.886,172,202186,5853.02
境外及子公司500,6663,3340.67428,3233,4910.82吸收存款总额23,315,100402,2501.7321,397,697358,2411.674,022.50440.0912.28%
8.96%6
567.39157.5038.42%
26.01%18
458.57143.7445.66%
46.68%
204.700.860.42%
2.56%
15.207.0386.05%
31.40%84
利息支出占比利息支出结构(百万元)
60,000
吸收存款同业及其他金融机构存放款项和拆入资金已发行债务证券向中央银行借款卖出回购金融资产款
2022
2022年2021(%)
130,830138,637(5.63)(14,745)(17,145)(14.00)
手续费及佣金净收入116,085121,492(4.45)其他非利息收入63,32497,334(34.94)非利息收入总额179,409218,826(18.01)20221,794.09
394.1718.01%21.81%手续费及佣金净收入
2022年2021(%)2020手续费及佣金收入130,830138,637(5.63)131,51236,56737,265(1.87)36,557
19,23119,283(0.27)17,366
17,73817,2842.6315,593
17,09821,148(19.15)21,37416,18518,550(12.75)13,39810,73111,658(7.95)11,57713,28013,449(1.26)15,647手续费及佣金支出(14,745)(17,145)(14.00)(16,930)手续费及佣金净收入116,085121,492(4.45)114,58220221,160.8554.07
4.45%14.11%0.63
365.676.981.87%
192.310.520.27%
177.384.542.63%
170.9840.5019.15%
161.85
23.6512.75%107.319.277.95%
2022年年报 中国建设银行股份有限公司
财务回顾
其他非利息收入
2022年2021(%)2020
42,93944,148(2.74)31,40615,35223,921(35.82)19,444
7,333(93.25)5,262/(12,359)6,551(288.66)(640)
16,89715,3819.869,895其他非利息收入总额63,32497,334(34.94)65,367
633.24340.1034.94%429.39
12.09153.5285.69
4.9568.38
123.59189.10
168.9715.16
2022年2021(%)2020
126,594118,2387.07104,353
33,86435,542(4.72)34,92952,76156,084(5.93)40,026
业务及管理费总额213,219209,8641.60179,308
成本收入比(%)28.12
27.430.6925.12
202228.12%0.69
2,132.1933.551.60%1,265.94
83.567.07%338.6416.784.72%
527.6133.235.93%
2022年2021(%)2020发放贷款和垫款139,741160,324(12.84)167,139金融投资4,02616,298(75.30)7,6751,88315,830(88.10)7,9192,143468357.91(244)其他11,251(7,907)15,115减值损失总额155,018168,715(8.12)189,929
2022
20221,550.18136.978.12%
205.83191.58122.72
139.47
16.75
2022588.51156.3315.41%25%
2022年2021金额占比(%)(%)173,92021.15166,78420.23122,87414.94117,97614.31120,91714.70118,09514.33135,09116.42124,94515.16125,92315.31130,90315.8830,2513.6829,9743.6492,71311.27114,94513.9520,7842.5320,6242.50
营业收入822,473100.00824,246100.00
1.
2022年2021金额占比(%)(%)63,32916.5860,46915.9867,33617.6359,23115.6562,86016.4564,59417.0768,32717.8857,14315.1063,55316.6465,98017.4411,9853.143,8061.0138,67710.1268,39418.075,9501.56(1,205)(0.32)利润总额382,017100.00378,412100.00
2022年年报 中国建设银行股份有限公司
财务回顾
资产负债表分析
报告期末本集团资产总额(单位:百万元)
发放贷款和垫款59.23%金融投资24.68%
2021202234,601,91730,253,979
现金及存放中央银行款项
9.13%
存放同业款项
及拆出资金
1.78%
买入返售金融资产3.01%其他2.17%
60.06%
25.26%
9.14%
1.13%
1.81%
2.60%
2022年12月31日2021123120201231金额占比(%)(%)(%)
发放贷款和垫款20,495,11759.2318,170,49260.0616,231,36957.70
20,101,51658.0918,380,91660.7616,476,81758.57(704,088)(2.03)(637,338)(2.11)(556,063)(1.98)1,048,6513.03379,4691.25259,0610.92––3,7610.019,8900.0449,0380.1443,6840.1541,6640.15金融投资8,540,14924.687,641,91925.266,950,65324.71
现金及存放中央银行款项3,159,2969.132,763,8929.142,816,16410.01存放同业款项及拆出资金615,0561.78343,2691.13821,6372.92买入返售金融资产1,040,8473.01549,0781.81602,2392.14其他
751,4522.17785,3292.60710,1922.52资产总额34,601,917100.0030,253,979100.0028,132,254100.001.202234.604.3514.37%
2.3212.79%
8,982.3011.75%
3,954.0414.31%
2,717.874,917.69
79.18%89.56%0.8359.23%
0.5824.68%0.019.13%
0.651.78%1.203.01%
中国建设银行股份有限公司 2022年年报财务回顾
发放贷款和垫款
报告期末本集团发放贷款和垫款总额(单位:百万元)
公司类贷款和垫款个人贷款和垫款
51.98%
38.85%
20212022
21,199,20518,807,830
51.01%
41.96%
2.02%
4.78%
0.23%
境外和子公司
票据贴现应计利息
4.95%
3.99%
0.23%
2022年12月31日2021123120201231
金额占比(%)(%)(%)公司类贷款和垫款11,020,15051.989,593,52651.018,360,22149.802,927,713 13.812,683,40214.272,593,67715.458,092,437 38.176,910,12436.745,766,54434.35个人贷款和垫款8,236,76838.857,891,92841.967,233,86943.096,479,60930.576,386,58333.965,830,85934.73924,8734.36896,2224.76825,7104.92
295,4431.39232,9791.24264,5811.58
415,3441.96226,4631.20138,4810.82
121,4990.57149,6810.80174,2381.04票据贴现1,048,6514.95379,4692.02259,0611.54
境外和子公司844,5983.99899,2234.78892,6175.32
应计利息49,0380.2343,6840.2341,6640.25发放贷款和垫款总额21,199,205100.0018,807,830100.0016,787,432100.001.2.202221.202.3912.71%
11.021.4314.87%
2.938.09
8.243,448.404.37%6.48
930.261.46%9,248.73286.513.20%2,954.43624.6426.81%4,153.441,888.81
83.40%
10,486.516,691.82
8,445.98546.256.07%
2022
2022年12月31日20211231
金额占比(%)(%)8,053,04837.996,295,60933.47
2,584,43512.192,361,22112.56
8,972,42242.328,589,06145.67
1,540,2627.271,518,2558.0749,0380.2343,6840.23发放贷款和垫款总额21,199,205100.0018,807,830100.00
2022年阶段一阶段二阶段三合计2022年1月1日310,207154,465172,666637,338
16,596(16,120)(476)–(8,324)14,805(6,481)–(4,035)(22,533)26,568–154,797––154,797
/(120,384)(29,647)(52,014)(202,045)
(9,300)75,17184,033149,904
––(51,434)(51,434)––15,52815,528
2022年12月31日339,557176,141188,390704,0882022
7,040.88
31.63241.53%3.34%
(PD)(LGD)(EAD)
中国建设银行股份有限公司 2022年年报
财务回顾
金融投资
2022年12月31日20211231金额占比(%)(%)
567,7166.65545,2737.135,992,58270.175,155,16867.461,979,85123.181,941,47825.41金融投资总额8,540,149100.007,641,919100.00
2022年12月31日20211231
金额占比(%)(%)8,305,01897.257,369,44696.43
235,1312.75272,4733.57金融投资总额8,540,149100.007,641,919100.00
20228.548,982.3011.75%9,355.7212.70%97.25%0.82
373.422.75%0.82
2022年12月31日20211231
金额占比(%)(%)8,017,65996.547,133,28896.80171,8972.07139,7931.9046,1040.5631,7300.4369,3580.8364,6350.87债券总额8,305,018100.007,369,446100.0020228.028,843.7112.40%2,873.59512.0121.68%
2022
2022年12月31日20211231
金额占比(%)(%)
6,524,34178.565,763,16678.20
47,3700.5743,0880.58
819,6079.87774,28610.51
493,7835.94404,4725.49
419,9175.06384,4345.22债券总额8,305,018100.007,369,446100.0020226.527,611.7513.21%
473.7042.829.94%1.311,346.3211.42%
8,196.074,937.8362.40%37.60%
面值年利率(%)到期日减值准备
201917,4403.752029-01-25–202016,4003.742030-11-16–201916,1203.862029-05-20–202015,9803.232030-03-23–202015,5102.962030-04-17–
202114,2703.522031-05-24–
202113,7803.482028-02-04–201913,1003.482029-01-08–
202113,0803.382031-07-16–
201812,8504.002025-11-12–1.抵债资产202214.448.91
2022
报告期末本集团负债总额(单位:百万元)
31,723,15727,639,857
80.97%
8.08%
78.87%
9.26%
20212022
4.79%
2.48%
0.12%
3.56%
5.19%
2.44%
0.77%
3.47%
吸收存款同业及其他金融机构存
放款项和拆入资金
向中央银行借款已发行债务证券卖出回购金融资产款其他
2022年12月31日2021123120201231
金额占比(%)(%)(%)
25,020,80778.8722,378,81480.9720,614,97680.08
2,935,9999.262,232,2018.082,293,2728.911,646,8705.191,323,3774.79940,1973.65774,7792.44685,0332.48781,1703.04
242,6760.7733,9000.1256,7250.22
1,102,0263.47986,5323.561,056,5614.10
负债总额31,723,157100.0027,639,857100.0025,742,901100.00
1.
2022
2022
202231.724.0814.77%
25.022.6411.81%
2.947,037.9831.53%
1.653,234.9324.44%
7,747.7913.10%
78.87%2.10
9.26%1.185.19%0.40
2.44%0.04
吸收存款
报告期末本集团吸收存款总额(单位:百万元)
25,020,80722,378,814
46.20%
50.40%
44.36%
52.25%
20212022
1.84%
1.56%
1.79%
1.60%
公司类存款个人存款应计利息境外和子公司
2022年12月31日2021123120201231
金额占比(%)(%)(%)公司类存款11,099,80544.3610,338,73446.209,699,73347.056,641,75526.546,549,32929.276,274,65830.444,458,05017.823,789,40516.933,425,07516.61个人存款13,074,25052.2511,278,20750.4010,184,90449.415,407,59921.614,873,99221.784,665,42422.637,666,65130.646,404,21528.625,519,48026.78境外和子公司447,1881.79411,6821.84453,9912.20应计利息399,5641.60350,1911.56276,3481.34
吸收存款总额25,020,807100.0022,378,814100.0020,614,976100.00
2022
11.107,610.717.36%1.91
45.92%13.071.8015.92%
1.9154.08%4,471.88355.06
1.79%12.056,260.335.48%3.00
49.84%12.121.9318.94%
3.0050.16%
2022
2022年12月31日20211231
金额占比(%)(%)
4,692,06218.754,057,99118.13
3,909,44915.623,518,91215.73
4,546,57718.174,192,16218.73
4,530,52218.114,024,72217.994,852,03219.394,356,87719.471,651,6216.601,473,2066.58
19,3990.0818,2090.08419,5811.68386,5441.73399,5641.60350,1911.56吸收存款25,020,807100.0022,378,814100.00
2022年12月31日20211231
250,011250,011139,96899,968
59,97759,97779,99139,991135,653134,92520,79321,338337,527305,571444,786381,6211,527,9951,394,797归属于本行股东权益2,856,7332,588,231
22,02725,891
股东权益总额2,878,7602,614,12220222.882,646.3810.12%
1,331.980.32
8.32%
2022
20223.69
3,166.339.40%2022
2022年12月31日20211231金额占比(%)(%)
5,922,14417.125,445,66518.00
4,772,28813.794,291,89614.197,692,62822.236,960,55323.014,884,77014.124,376,77014.475,174,22414.954,636,34715.321,716,9624.961,530,9665.06
12,413,39535.8710,691,16835.341,550,0194.481,408,5944.65(9,524,513)(27.52)(9,087,980)(30.04)资产合计34,601,917100.0030,253,979100.00
中国建设银行股份有限公司 2022年年报财务回顾
现金流量表分析
9,784.195,417.01
6,516.681,331.20
64.25225.48其他财务信息
2022202212
2022
营业收入减值损失利润总额2022年20212022年20212022年2021327,804325,387(100,395)(116,689)139,378119,052427,229405,705(41,635)(33,907)216,404214,299
50,11370,242(3,854)(13,525)25,50235,01017,32722,912(9,134)(4,594)
10,051总额822,473824,246(155,018)(168,715)382,017378,412
1. 2022
2022
20223,278.04
0.74%1,003.9513.96%1,393.78
17.07%5.02
36.48%4,272.29
5.31%416.3522.79%2,164.04
0.98%0.0256.65%
501.1338.54
255.022.576.68%
173.2791.347.33
新金融行动44
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公司金融业务67
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---
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624.6426.81%
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515.09
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2022
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+2022
2.12
12.7623.98
527.73
2022
1.401.05
2.92
+KA
信用卡聚焦数字化经营,赋能业务新发展
2022
2022
202223%
14%
纵深推进大财富管理战略,着力打造一流财富管理银行
财富管理
++
中国建设银行股份有限公司 2022年年报业务回顾
畅通“投研-投顾-客户服务”传导链
代发客群商户客群
县域客群养老客群
长尾客户直营价值客户专营
分级建立客户自激励
体系
2022
Q 2022
20221125
+
高管层问答Q&AQ&A
私人银行业务
2022248
1,400
2.2511.26%
19.379.31%
890.0029.91%
委托性住房金融业务
2022
1.30
2.90
中国建设银行股份有限公司 2022年年报业务回顾
业务战略
金融市场业务
AI100
资金资管业务
2.01
万亿元
3.7
万亿元
8,000
亿元
AI20217AI20226AI90%2022AI
AI
自动询报价达成交易意向
中国银行间市场本币
交易平台交易上下行及成交交易审批交易实时统计与监控
探索前沿科技运用,推出货币市场“AI交易员”
2022
+
40%20228.31
20%90%
202223,228资产管理业务
REITs
20225.79
1.91
1.46
1.42
0.47
0.34
AI
AI
iDealCFETS
中国建设银行股份有限公司 2022年年报业务回顾
2.011.911,034.32
1.9194.87%2.6220222,651.383,456.5520221,034.32216.7720.96%817.55
79.04%20226.947.222022
1.914,849.641.433,034.85
15.88%1.6184.12%
2022年
20211231产品发行募集产品到期兑付2022年12月31日期数金额期数金额期数金额
建信理财9702,188,3308846,938,0546087,215,3561,2461,911,028
本行82183,949–265,13880345,6552103,432
总额1,0522,372,2798847,203,1926887,561,0111,2482,014,4602022年12月31日20211231建信理财本行本集团金额占比(%)金额占比(%)金额占比(%)(%)(%)(%)
849,88041.6431,32625.48881,20640.72786,89734.3580,64339.11867,54034.74
922,47645.2022,55618.35945,03243.671,222,78053.3843,59521.141,266,37550.72
85,2514.1818,06014.69103,3114.78132,3125.7826,13812.68158,4506.35
20,4341.0047,46038.6067,8943.1415,0810.6655,80427.0770,8852.84
162,9467.983,5472.88166,4937.69133,7205.84––133,7205.36
总额2,040,987100.00122,949100.002,163,936100.002,290,790100.00206,180100.002,496,970100.00
1. QDII
2022
2022
20224,47618916
第一支柱
第三支柱客户产品资产基本养老保险
第二支柱
养老产业金融专业稳健一站式
养老服务金融
客户、资产、科技
社保卡基金托管投管资格
企业年金职业年金
受托业务账管业务投管业务托管业务
投管业务托管业务
投顾服务养老储蓄配置策略
账户目标基金系统税延账户养老理财大资管家非税延
专属保险创新
商业养老金监管沟通
个人社保账户
个人公积
金账户
个人年金
账户
个人养老金账户
养老金金融
个人其他养老
投资账户
个人养老
服务账户
养老贷款
养老产业贷款
其他融资服务养老投资
非标融资投贷联动股权融资REITs
C端A端
B端G端
融资类建行生活存房养老结算类安心养老服务消费
敬老服务安心悠享不动产管理产业联盟普适性服务
养老服务平台适老改造
养
老生态
养老金融,为“夕阳红”撑起金融“守护伞”
中国建设银行股份有限公司 2022年年报业务回顾
同业业务
20221,8203.70
8,0003,713.02
(CFETS)2022CFETS2022
2.466,609.614,175.041,089.20
资产托管业务
(GDR)
QFI
2022
19.391.69
2022年年报 中国建设银行股份有限公司
业务回顾
高管层问答Q&AQ 2022
202211
Q&A
“建行智托管”,开启数字化托管新时代
++
202211
ESG
中国建设银行股份有限公司 2022年年报业务回顾
2022
3053.84
境外商业银行业务
建行亚洲
65.11176
322022
3,992.16640.972022
26.20
建行伦敦
2009
2022
36.5636.5620220.005
2022年年报 中国建设银行股份有限公司
业务回顾
建行俄罗斯
2013
2022
56.987.2220220.91建行欧洲
2013
5.5
2022234.39
37.2020220.65
建行新西兰
2014
1.99
2022
107.6012.6220221.12建行巴西
2014Banco Industrial eComercial S.A.2015
2022256.71
12.8020220.92
中国建设银行股份有限公司 2022年年报业务回顾
202220227,819.50202281.86公司金融业务分部
建信金租
2007110
20221,283.96
232.8920228.13
综合化经营子公司建行马来西亚
2016
8.226
2022
95.8114.272022
0.14
建行印尼
201660%
20173.79
2022110.86
27.4820220.62
2022年年报 中国建设银行股份有限公司
业务回顾
建信财险
201610
90.2%4.9%4.9%
2022
14.134.5920220.02建银咨询
2017
0.51100%
100%
+202213.89
3.0420220.91
建信投资
2017
20229,726.674,205.4520221,365.69
354.61202237.25
建信股权
20191100%
80.1%19.9%
147.23
20221.60
0.4620220.15
建银国际
2004
6.01
SPACIPO2022793.92
134.41202213.72
中国建设银行股份有限公司 2022年年报业务回顾
个人金融业务分部中德住房储蓄银行
2004
75.10%24.90%
420.562022
344.2329.772022
0.76
建信人寿
2011
71.20
51%19.9%16.14%4.9%4.85%3.21%
20222,835.45
133.12202217.67
2022
建信住房
2018
11.96
75.25%
24.75%
100%CCB2022
140.408.202022
0.78
资金资管业务分部建信基金
2005
65%25%10%
2022
1.422022
103.9688.892022
11.71
2022年年报 中国建设银行股份有限公司
业务回顾
建信信托
2009
67%33%
2022
1.46
2022476.19
268.74202224.89
建信期货
2014
9.36
80%20%
2022
134.0012.1320220.81建信养老
2015
70%17.647%
12.353%
2022
4,720.872022
40.3930.8820222.11建信理财
2019150
2021
50.1%40%9.9%
202210
8.97%2022
210.87202.89
19,110.28202228.40建信住租
202210
100%
中国建设银行股份有限公司 2022年年报
业务回顾
202214,35614,3223736313,87644134
24613457156
2022年12月31日20211231机构数量(个)占比(%)(%)
2,26115.752,27715.69
1,84212.831,86512.85
2,38416.602,40116.55
3,45024.033,49324.07
2,96720.672,99020.61
1,4159.861,4479.97
30.02
30.02
340.24
340.24
合计14,356100.0014,510100.00
机构网点与电子渠道
物理渠道
2022227
2214
63.64%
8013456,94348,595
18,40014,0831601,1592501,800
2022
97%95%RPA
307439
(CXM)(VOX)
线上渠道
+
2022
4.405.48%
4.1920
1.92
98%49
AI
2022
2022年年报 中国建设银行股份有限公司
建行生活
中国建设银行股份有限公司 2022年年报业务回顾
2022APP2.0
5.020%35AI95%202270%80%90%
2022140035O2O
C++
67030050040%70%20-4950%20-392022
22030
“双子星”飞轮转动,打造平台化经营新范式
2022
20222.63
27.00%
202210.77
80%95533
2,250
2022
4.053.24%
SaaS2022SaaS2288,066
19.33
2022
528.944.16%20.68
中国建设银行股份有限公司 2022年年报
风险管理
风险管理架构
风险合规文化建设
集团风险偏好及传导
信用风险管理
市场风险管理
操作风险管理
流动性风险管理
声誉风险管理
国别风险管理
信息科技风险管理
战略风险管理
新型风险管理
并表管理
内部审计
始终牢固树立“全面、全程、全员、全局、全球、全集团”的全面风险管理理念,落实做细“责任要清、情况要明、见事要早、动作要快、点子要多、考核要严”的管理要求,持续完善全面风险管理体系机制建设,健全文化、问责、科技、检查、考核、队伍等长效机制,加强资产质量跨周期管控,提升风险抵补能力,发挥风控价值创造,各类风险整体可控。本集团持续完善全面主动智能的现代化风险管理体系。强化“全面管”,立足集团视角持续优化风险治理体系,加快全面风险管理基础设施建设,细化明确三道防线协同控险管理职责,确保不留管理空白。强化“主动管”,坚持风险合规底线,主动强化重大金融风险防控,加强重大及突发风险事件管理,确保不发生大案要案、不发生大额不良、不发生大额赔付纠纷、不发生大额罚款、不发生重大风险事件和不发生重大负面舆情。强化“智能管”,持续推动智能风控体系拓维升级,优化企业级风险管理平台、“3R” “蓝芯”等智能风控重点项目建设,持续为基层减负赋能。
2022年年报 中国建设银行股份有限公司
风险管理
风险管理架构
2022
III2007
II
2010III2012
20142020
20222017
III
2019
IT
2022年年报 中国建设银行股份有限公司
风险管理
风险合规文化建设
厘清“三道防线”职责,完善全面风险治理体系
集团风险偏好及传导
2022
信用风险管理2022
优化授信审批管理机制
2022
STAR
ESG
不良经营处置提质增效
2022
2022年12月31日20211231
金额占比(%)(%)20,325,31096.1017,993,00195.89532,0322.52505,0742.69
156,3630.74143,1950.7690,8010.4380,6240.4345,6610.2142,2520.23不含息贷款和垫款总额21,150,167100.0018,764,146100.00不良贷款额292,825266,071不良贷款率1.38
1.42
202220222,928.25
267.541.38%0.042.52%
0.17
2022年12月31日20211231
贷款和垫款金额
不良贷款金额
不良贷款率(%)(%)公司类贷款和垫款11,020,150229,0742.089,593,526217,5582.272,927,71367,4142.302,683,40274,8082.798,092,437161,6602.006,910,124142,7502.07个人贷款和垫款8,236,76845,3750.557,891,92831,2420.406,479,60923,8470.376,386,58312,9090.20924,87313,4691.46896,22211,9601.33295,4432,6220.89232,9792,2780.98415,3442,6940.65226,4631,6270.72
121,4992,7432.26149,6812,4681.65票据贴现1,048,651––379,469––境外和子公司844,59818,3762.18899,22317,2711.92不含息贷款和垫款总额21,150,167292,8251.3818,764,146266,0711.42
2022
2022年12月31日20211231贷款和垫款金额
占比
(%)
不良贷款金额
不良贷款率(%)(%)(%)
4,061,50019.2037,4650.923,492,55518.6132,2860.92
3,534,46216.7164,2601.823,137,52816.7237,5321.203,578,96516.9240,9671.143,158,55816.8341,8051.323,502,34716.5657,5811.643,088,90716.4668,9922.233,925,92118.5641,1201.053,442,56518.3537,9631.10898,4744.2526,6202.96805,2414.2930,6723.81942,1314.4613,5411.44900,5734.8012,0461.34706,3673.3411,2711.60738,2193.944,7750.65
不含息贷款和垫款总额21,150,167100.00292,8251.3818,764,146100.00266,0711.42
2022年12月31日20211231
贷款和垫款金额
占比
(%)
不良贷款金额
不良贷款率(%)(%)(%)
公司类贷款和垫款11,020,15052.10229,0742.089,593,52651.13217,5582.27
2,012,8409.5248,5982.411,725,6829.2040,2042.33
1,972,6979.3347,3742.401,693,9209.0339,7662.35
1,960,0839.2718,6920.951,760,3649.3820,7631.18
1,646,1837.7846,1062.801,402,6537.4858,9634.20
1,094,6785.1817,7881.62912,5154.8618,1291.99
1,081,7185.1110,5770.98960,8695.1210,9551.14770,6753.6433,6054.36730,0873.8913,5361.85667,8363.166,2090.93627,8753.357,7811.24521,2322.4613,4252.58445,9522.388,2741.86255,3211.2119,5317.65246,3381.3124,97310.147,8020.041241.593,7970.023358.82
145,2480.693,4702.39117,6150.632,4012.04
16,8550.086854.0620,7290.116783.27
89,7550.421580.1873,2720.391140.16
774,5813.6610,9151.41590,3043.1411,4651.94
个人贷款和垫款8,236,76838.9545,3750.557,891,92842.0631,2420.40
票据贴现1,048,6514.96––379,4692.02––
境外和子公司844,5983.9918,3762.18899,2234.7917,2711.92
不含息贷款和垫款总额21,150,167100.00292,8251.3818,764,146100.00266,0711.42
2022
2022
2022年12月31日20211231
金额占比(%)(%)
已重组贷款和垫款13,5370.069,2430.052022135.3742.94
0.06%
2022年12月31日20211231
金额占比(%)(%)
87,9970.4148,8460.26
29,3850.1418,9100.10
35,3690.1736,2390.19
54,9430.2657,6330.31
11,1180.0514,8330.08已逾期贷款和垫款总额218,8121.03176,4610.9420222,188.12423.51
0.09
(%)2022年12月31日2021123120201231
1.57
1.171.66
11.81
13.7018.01
35.85
30.8551.72
39.63
38.1624.91
1. 2022
2022年年报 中国建设银行股份有限公司
风险管理
贷款集中度20224.50%
14.87%
(%)2022年12月31日2021123120201231
4.50
4.243.55
14.87
12.8311.84
2022年12月31日
所属行业金额
占不含息贷款
和垫款总额百分比(%)
A163,8300.78B74,8990.35C54,7000.26D47,9050.23E39,0410.18F35,4300.17G32,0530.15H31,7460.15I31,3290.15J30,3320.14总额541,2652.56市场风险管理2022
III2022
99%1
2022
2022年2021
12月31日平均值最大值最小值1231
190144198100151160196127
5630631935538930
182139193103155163203110
1324–1945–
2022
2022年年报 中国建设银行股份有限公司
风险管理
利率敏感性缺口分析
不计息3个月以内3个月至1年1年至5年5年以上合计
2022年12月31日利率敏感性缺口203,323(4,936,484)5,471,027(2,479,324)4,620,2182,878,7602022年12月31日累计利率敏感性缺口(4,936,484)534,543(1,944,781)2,675,43720211231292,290(3,954,633)4,229,630(1,773,860)3,820,6952,614,12220211231(3,954,633)274,997(1,498,863)2,321,83220225,345.432,595.4621,408.94940.59
利息净收入敏感性分析100100
情景一:
存放央行款项利率不变
情景二:
存放央行款项利率和活期利率不变上升100个基点下降100个基点上升100个基点下降100个基点
2022年12月31日(62,931)62,93180,670(80,670)
20211231(53,453)53,45376,805(76,805)
2022
中国建设银行股份有限公司 2022年年报
风险管理
货币集中度
2022年12月31日20211231
美元折合人民币
港币折合
人民币
其他折合
人民币合计1,030,665332,430374,3171,737,412916,669312,454335,8061,564,929(1,000,925)(349,177)(227,026)(1,577,128)(929,333)(333,522)(270,104)(1,532,959)1,225,40298,771143,8421,468,0151,528,51888,234150,5701,767,322(1,267,774)(46,432)(269,320)(1,583,526)(1,523,921)(33,060)(194,623)(1,751,604)536(144)4868786,471–1566,627净(短)/长头寸(12,096)35,44822,29945,651(1,596)34,10621,80554,3152022456.5186.64
操作风险管理2022III
III
2022
流动性风险管理
2022
2022
(%)
2022年12月31日
20211231
20201231
≥25
62.94
59.3255.66
≥25
80.23
70.5858.64
83.62
82.2878.49
1.2.
20%2022148.96%
1.53
2022年第四季度
20222022202220215,274,5865,095,6534,942,5604,743,2494,756,2633,543,2203,448,6093,565,5853,495,4463,536,514流动性覆盖率(%)
148.96
147.43138.78136.06134.701.
2022
202212127.88%1290.59
61.83
2022年12月31日
2022
2022
2022
2021123124,268,37623,868,38623,226,22822,396,84921,315,28218,978,16018,751,06318,426,32217,886,11416,950,020净稳定资金比例(%)127.88
127.29126.05125.22125.75
无期限实时偿还
1个月以内
1个月至3个月
3个月至1年
1年至5年
5年以上合计2022年12月31日各期限缺口2,954,298(12,741,889)(728,163)(543,163)(508,534)1,925,21712,520,9942,878,7602021年12月31日各期限缺口2,868,925(11,721,520)(710,960)(538,269)(1,001,397)2,332,32911,385,0142,614,122
202212
312.882,646.3812.74
1.02
声誉风险管理2022
2022年年报 中国建设银行股份有限公司
风险管理
国别风险管理
信息科技风险管理
34022.0
战略风险管理
2022
新型风险管理
2022292
IT
2022
2022
202227
2022
主动完善模型风险管理机制
2022年年报 中国建设银行股份有限公司
风险管理
并表管理
2022
内部审计
2022
2022
资本充足率
202218.42%
14.40%13.69%
0.570.260.10
2022
2022年12月31日20211231
本集团本行
2,706,4592,529,2742,475,4622,309,5342,846,5332,655,7372,575,5282,389,615
3,640,4383,434,2053,252,2823,059,048(%)
13.6913.67
13.5913.61
(%)
14.4014.35
14.1414.09
(%)
18.4218.56
17.8518.03
2022
201420204
2022年12月31日20211231
信用风险加权资产18,293,63116,834,493
12,514,21811,587,106
5,779,4135,247,387市场风险加权资产115,81690,057
72,32755,249
43,48934,808
操作风险加权资产1,358,3871,291,343因应用资本底线导致的额外风险加权资产––风险加权资产合计19,767,83418,215,8932022杠杆率201520151
4%20221231
7.85%
2022年12月31日
2022
2022
2022
20211231杠杆率(%)7.85
7.767.537.948.13
2,846,5332,781,7762,647,8222,662,4362,575,52836,270,30035,864,32635,181,68733,514,00431,670,893
中国建设银行股份有限公司 2022年年报
经营发展热点问题讨论
疫情期间的金融服务和风险防控措施2022
延期还本付息情况
2020
202232.46
3,188
2022年年报 中国建设银行股份有限公司
经营发展热点问题讨论
资产质量20222022
2,928.25267.54
1.38%0.04
2.08%
0.55%2.18%2022
1,397.41
205.8312.84%
929.13
354.7027.63%
396.8596.91
32.31%
金融支持房地产情况
20226.48
+
2022
323.3522.9
数字人民币试点及推广2022
3,198
5.25
9827
2022
17.29
数字人民币预付式平台场景
20225
20228
数字人民币物联支付场景
数字人民币财政服务场景
20228
数字人民币应用案例集
2022
2023
2023
一是全力服务实体经济,助力新发展格局构建。
2022
二是聚焦客户服务能力,筑牢发展根基。
三是提升板块经营质效。
四是加强科技渠道支撑。
IT
五是提升精细化管理,夯实发展基础。六是聚焦“三道防线”职责,守牢风险底线。
2022
公司治理架构
审计部
财务与内部控制监督
委员会履职尽职监督委员会战略发展委员会
风险管理委员会
提名与薪酬委员会
关联交易、社会责任和消费者权益保护委员会审计委员会
29家审计机构海外审计中心
董事会监事会
第一汇报路线第二汇报路线
高级管理层
资产负债管理委员会
公司金融管理委员会综合化
经营管理委员会
资金资管管理委员会普惠金融发展委员会
个人金融管理委员会
金融科技与数字化建设委员会
消费者
权益保护委员会风险内控管理委员会
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2022
20223242022329
2022527
2022
2022
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20222022董事会成员
亲自出席次数/任职期间会议次数
委托出席次数/任职期间会议次数执行董事
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10/100/10
已离任董事
1/10/1
10/100/10
2022
2022
64192202120222022
ESG
2022
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2022123113,342.36
2022
20212022
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Vistra Corporate Services(HK) Limited璟璟璟
20221231
中国建设银行股份有限公司 2022年年报
公司治理报告
董事会专门委员会
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战略发展委员会
审计委员会
风险管理
委员会
提名与薪酬委员会
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202210
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已离任委员
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20226
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20222022
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2023
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20229M?C?
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20226
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已离任委员
6/60/6
2023
2022
2022
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2022
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亲自出席次数/任职期间会议次数
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6/60/6?6/60/6?6/60/6
2023
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中国建设银行股份有限公司 2022年年报
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2022
2022
2022216329429624830102862021
2022
监事会成员
亲自出席次数/任职期间会议次数
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股东代表监事
4/62/66/60/6
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2022
20225
2022
履职尽职监督委员会委员
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5/50/55/50/52023
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2022
20225
III
财务与内部控制监督委员会
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5/50/52023
高级管理层
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中国建设银行股份有限公司 2022年年报公司治理报告
董事、监事及高级管理人员情况本行董事姓名职位性别年龄任期
62201710202253202262024592020620225120198202454201982024582021120224920211202242202332024M?C?79201782022
652018112023?712019102024?67202012024?60202162023
712021102023已离任董事
592021320223
5020177202212
本行监事
姓名职位性别年龄任期
592019102024
562021122023
60201852023
572021122023
59201962024
68202062022
57202062022已离任监事
6020206202211
60202112202211
2022年年报 中国建设银行股份有限公司
公司治理报告
本行高级管理人员姓名职位性别年龄任期
5320225-5320228-5420198-49202111-5120233-5920195-5820213-6020214-57202211-已离任高级管理人员
59202122022351202010202275220201220231
董事、监事及高级管理人员持股情况
H15,55513,02312,44717,709
15,86317,521
15,41716,78917,00912,108
9,120
本行董事
2023
202220233202120226202120226??20226
20223
202212
中国建设银行股份有限公司 2022年年报公司治理报告
本行监事
202120226202120226
202211
2022
本行高级管理人员20233
202211
2022
2022520231
20227
20223
董事、监事及高级管理人员个人信息变动情况
202211
2022
2022
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2023216202311
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20225202210
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2022
本行董事田国立 董事长、执行董事20171020183
2013520178
20101220134
19994201012
19837199941983
张金良 副董事长、执行董事、行长2022620225
2018820224
20195202242016120188
20031020161IT1997
中国建设银行股份有限公司 2022年年报公司治理报告
徐建东 非执行董事
20206201520152202062012620154
201142012620043201141994920043
1986
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2019820192006320198
2016220182199472006
319942004
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20198201919978201991988121997819882018
2022年年报 中国建设银行股份有限公司
公司治理报告
邵敏 非执行董事20211202120196202122019420196
20159201941987820159
1987
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20212201532019619997
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1999
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201252013420022003
中国建设银行股份有限公司 2022年年报公司治理报告
M?C?麦卡锡 独立董事20178200912201610
ICI
(Ofgem)(FSA)JCNIBC Holding N.V., NIBC Bank N.V., OneSavings Bank plc,Castle Trust Capital plc(ICE)
钟嘉年 独立董事20181120091220173198019921996
Harvest Real Estate Investments (Cayman) Limited
2022年年报 中国建设银行股份有限公司
公司治理报告
格雷姆?惠勒 独立董事2019102017Thyssen-Bornemisza2012201720102012Thyssen-BornemiszaPrivatisation
2006201020012006
19972001199319971990199319841990
1973198420181972
米歇尔?马德兰 独立董事2020120181
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2022年年报 中国建设银行股份有限公司
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本行监事王永庆 监事长、股东代表监事20191020161220197
200312201611199812200312
199471998121985719947
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2007320153
200182007319882008
中国建设银行股份有限公司 2022年年报
公司治理报告
王毅 职工代表监事201852021520131120215201812201911200911201311
20081220091120056200812200172005619842010
刘军 职工代表监事20211220232202272023220141220223
2014111220114201411201134
20089201132006620089
19862003
赵锡军 外部监事
201962020
200520192001200519952001
19941995
20108201431989199019951996198519871999
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刘桓 外部监事202062006201619972006
20042005
1982
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20154201810
198719901994
中国建设银行股份有限公司 2022年年报公司治理报告
本行高级管理人员
张金良 行长
崔勇 副行长20228202210
20195202282017120193201582017120118201581993
纪志宏 副行长
20198202211
2013820195201382016520129201382010420129
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姓名津贴已支付薪酬
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单位缴费等税前合计
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2022年年报 中国建设银行股份有限公司
公司治理报告
董事、监事及高级管理人员薪酬政策
2022
+
+
2022年年报 中国建设银行股份有限公司
员工发展
中??银行??公司 2022年年公司?理
男性女性162,139
30岁以下78,59431至40岁
104,40141至50岁82,28351至59岁87,006
60岁以上
占比
22.29%
占比
29.61%
占比
23.34%
占比
24.67%
占比
0.09%
博士研究生
硕士研究生
38,671
大学本科
229,929
大学专科
69,037
中专
7,351
高中及以下
7,124
占比
0.14%
占比
10.97%
占比
65.21%
占比
19.58%
占比
2.08%
占比
2.02%
营业网点与综合柜员
187,353
公司银行业务
34,782
个人银行业务
39,870
金融市场业务
财务会计
6,742管理层10,252
风险管理、内审、法律和合规
19,900信息技术开发与运营
28,575
其他
24,467
占比
53.14%
占比
9.86%
占比
11.31%
占比
0.18%
占比
1.91%
占比
2.91%
占比
5.64%
占比
8.11%
占比
6.94%
190,449
占比占比
45.99%
54.01%
性别年龄
学历职责
员工情况2022352,5880.38%269,07676.31%
3,3842.48%100,87124,094298136
202245.99%
54.01%
2022年12月31日20211231
员工数量(人)占比(%)(%)
52,61914.9252,18314.86
45,14712.8145,26912.89
58,00916.4557,45016.35
72,05620.4471,72520.42
75,14021.3174,83121.31
33,8439.6034,3059.76
14,4294.0914,1464.03
1,3450.381,3430.38合计352,588100.00351,252100.00
总计员工数
352,588
人
2022年年报 中国建设银行股份有限公司
公司治理报告
“建行员工”APP打造全行员工服务赋能平台
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2022
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137.72,440.7
37.04,065.4
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内部控制
2022
2022
中国建设银行股份有限公司 2022年年报公司治理报告
股东权利
10%
10%
3%1%
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2022年年报 中国建设银行股份有限公司
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投资者关系2022
ESG
A股:
86-4008-058-058H股:
1831712-1716
852-2862-8555
852-2865-0990
8610-6621-5533
8610-6621-8888
ir@ccb.com
852-3918-6955
( www.ccb.cn www.ccb.com)( www.sse.com.cn)
( www.hkexnews.hk)
8610-6621-5533852-3918-6955
ir@ccb.com
2022
2022年年报 中国建设银行股份有限公司
环境、社会和治理
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战略发展委员会
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提名与薪酬委员会
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履职尽职监督
委员会
财务与内部控制监督委员会治理层面
管理层面
监事会
管理层碳达峰碳中和领导小组
普惠金融发展委员会
风险管理与内控管理委员会绿色金融委员会
消费者权益保护委员会
金融科技与数字化建设委员会
董事会
社会责任
工作组
信息披露与投资者关系工作组环境工作组环境、社会和治理推进委员会
2022ESGESG
ESGESG治理层面工作成效
ESGESGESG
2023-2025
ESGESGESG
ESG
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
治理层面工作成效
ESGESG
管理层面工作成效
1ESGESG2023-2025
ESGESGESGESGESG
2023-202520222022
2022年年报 中国建设银行股份有限公司
环境和社会责任(环境、社会和治理)
公司行为
2022
2022
2022
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
董事会成员2022
全体员工2022
2022
合规岗位人员重点岗位人员
新入职员工
2022
2022
环境与气候
绿色信贷
2022
2.757,869.76
40.09%
13.54%2.56
2020
G01
2022
2022
969.42
2,200
86.54
20227,825.46绿色债券2022
1010
1,560.6725.79%
110%10%其他绿色金融业务
2022
奖项荣誉颁奖单位
ESG
ESGESG
2022
34.4
20221.73
+20224
绿色金融产品与服务创新
2022年年报 中国建设银行股份有限公司环境和社会责任(环境、社会和治理)
信贷管理政策
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2022
?202212
15COP15
ESG尽职调查
ESG
ESG
ESG
ESG
ESG
ESG
ESG+ESG
ESG
ESGESG
2022年年报 中国建设银行股份有限公司环境和社会责任(环境、社会和治理)
对公客户ESG评级工具
ESGESG
ESGESGESG
ESG74
ESG
ESGESGESG
ESGESG
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
授信审批机制
ESG
?
?
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2022
2022
气候相关风险分析2022
2021202220302,8985,884.51
2022
2030
1.581.621.65
20222022
ESG
IT
2022年2021年2020年1,682,812.201,643,454.481,481,223.32325,657.59335,950.96299,247.5718,246,296.3220,600,497.7123,171,202.67
8,841.6211,172.3312,635.51%
99.64
99.5899.51
%
97.87
97.3496.57
20222021202035
202237
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
社会发展
多元化帮扶举措2022
?
?
?
?
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帮扶成效2022
10,3444,511127,5078,526
38,27328,72917,50720,056
2022
2022
202213.61
8,025.37
10.68
3.88
乡村振兴金融服务
打造裕农通“村链”工程
APP
POS
2022
41105,200
56%
2,283?4302022
APP312022APP500
304200
APP
2022APP加大乡村信贷资源投放
拓展涉农生态新场景
++
4,500
2022
19.2
+
2022328680
1,160400130
支持乡村绿色发展
工作成效2022
5,387.0821.85%20,654.099,391.179,389.542,177.98
30.20%
2022
3.91%39
“建行惠懂你”平台
APP202211
3.0
2022
2022APP2.12,650
1,7738972571991.64
72.626,462.71
差异化普惠金融产品体系
8.83352
2.3
助力稳定市场主体
?
20225,10077支持金融服务匮乏区域
202218.5
2.5
扶持“专精特新”
20222,180683.49
627.55
55.94
县域网点覆盖2022
1463.64%
20221.44,198
29.48%8321,005
特色网点建设
20221.4
2,500网点拓展“劳动者港湾+”服务13,875
+
2,166
2022
1.4
202214145
202277
手机银行
远程智能银行
9368202210.77
99%
2,250
1.29
可替代金融服务
5,246
2022
8.5213,89740.43%
2022
AI++
2022314601,400管理架构和工作机制
2022
20222023-2025
100%20259
投诉精细化管理2022
2022
95533
+
2022
消费投诉情况2022224,224
8.45%2021337303202117.2
15.764,462
28.75%58,67626.17%21,0649.39%
89,16939.77%59,41526.50%55,297
24.66%51,724
23.07%47,31021.10%
2022投诉业务类别占比
28.75%
26.17%
9.39%
9.05%
4.52%
22.12%
2022业务办理渠道占比
39.77%
26.50%
24.66%
2.97%
1.55%
4.55%
2022
地区占比
23.07%
21.10%
16.31%
15.98%
14.17%
9.37%
产品服务审查管理
2022
2022
94,951消保宣教及培训
3?15
1.430
16.4
11.33?15
VR+AI+3D3D公平的营销政策
2022
贷款合同变更
2022
债务催收管理
+
隐私与数据安全管理制度
2022
2022
2022? 2022
?
2022
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2022
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隐私与数据安全保护举措
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IT
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隐私与数据安全宣教培训
?
2022
?
CISPCTF
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隐私与数据安全审计监督
人才发展战略
ESG
2022
1.7
55%
领导力发展培训
2022年年报 中国建设银行股份有限公司
环境和社会责任(环境、社会和治理)
专业人才培养
2022
10.1
(CUFP)2022
CFC
5433132022
15.644%
2022
1,156
“遇建未来”新员工培训
++202215
12132
2+N
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
“建习生”实习计划
ITFintech
20193
资质认证与学位课程支持
(CFA)1,850(CPA)(CFA)(FRM)(AFP)(CFP)(CTA)(CFC)(CTP)(CPB)
(CAMS)(CGSS)2022
202216
20223
银校合作启新章
2022年年报 中国建设银行股份有限公司环境和社会责任(环境、社会和治理)
教培和智库资源支持
2021
2021
ESGESGESG2022ESG6,135
250.42
员工民主管理
(VOX)
VOX
202062022VOX
2,760
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
非薪酬福利
2023
5,2009,708
2022
22.5
3,890
2382022
?
员工满意度调查
20227
15,955
4.40520210.07202212
135,138
4.48520210.15
2022
2023
2023
2022
19.57%
70.28%
20221.28
2022
(Asia Money)(Best CSR Bank in China)ESG
2022
中国建设银行股份有限公司 2022年年报环境和社会责任(环境、社会和治理)
可持续发展投融资进展
2030I级II级投资情况目标
1.1 20223,076.93SDG 911
1.4 2022
4,182.19
SDG 71314
1.5 2022
1,173.04
SDG 69131415
1.7 20224,211.16SDG 9112 2.4 2022
800.661,282.49
SDG 121011
3.1 2022817.38SDG 310
3.3 2022739.25SDG 3910
4.1 1,387.71SDG 4510
4.2 20221.23SDG 891112
5.1 20221,213.77136.54SDG 2
5.4 2022373.86
78.63
SDG 2
6.1 2022131.8SDG 18910
6.2 20222.35252.59SDG 1589
5 20206 2021
2022年年报 中国建设银行股份有限公司
重要事项
承诺事项履行情况20049
(1)
(2)
201646
20221231非经营性占用资金情况
违规担保
会计师事务所酬金
202220222022
20221231
2022年度20212020
140.96
140.96140.96
12.61
12.7110.90
1.
重大诉讼、仲裁事项受处罚情况
中国建设银行股份有限公司 2022年年报重要事项
诚信状况
重大关联交易事项重大合同及其履行情况
重大事件20229
2022927202210
300.00
20221231
50.00
100.00
79.99
50.00
34.9920229232022102520231162023
其他持股与参股情况
2022年年报 中国建设银行股份有限公司
股份变动及股东情况
普通股股份变动情况表
202211+/(-)2022年12月31日(%)数量比例(%)
一、 有限售条件股份
二、 无限售条件股份
1. 9,593,657,6063.84–––––9,593,657,6063.84
2. 95,223,114,76938.09–––+8,303,730+8,303,73095,231,418,49938.093.
145,194,205,11158.07–––-8,303,730-8,303,730145,185,901,38158.07
三、 股份总数
250,010,977,486100.00–––––250,010,977,486100.00
1. H证券发行与上市情况
2020202212010
52.85%2021202264501015015510
3.45%3.65%1125010150155103.00%3.34%84005
3.20%
中国建设银行股份有限公司 2022年年报
股份变动及股东情况
普通股股东情况
371,815H39,294A332,5212023228369,481H39,195A330,286普通股股东总数371,815(2022年12月31日的A股和H股在册股东总数)前10名普通股股东持股情况普通股股东名称股东性质持股比例(%)报告期内增减持股总数
57.03–142,590,494,651H
0.08–195,941,976A
37.54-6,353,92693,842,507,543H
0.88–2,189,259,672A
0.64–1,611,413,730H
0.34–856,000,000H
0.26-8,303,730648,993,000H
0.20–496,639,800A
0.16-172,948,761389,554,068A
005LCT001
0.15+334,595,807376,638,307A
0.13–335,000,000H
1. H20221231H
1,611,413,730648,993,000335,000,000
H93,842,507,543
2. 20221231H296,131,0001,315,282,7303.4.
2022年年报 中国建设银行股份有限公司股份变动及股东情况
本行主要股东
57.11%
0.20%20031216
8,282.09
20221231序号机构名称汇金公司持股比例(%)
134.68
34.71
40.03
64.02
57.11
663.16
753.95
873.63
71.56
31.34
11100.001269.07
20.05
40.11
30.76
1613.301714.54
1. 20221231A
2. 20221231H
3. 201511
2007109
10%
中国建设银行股份有限公司 2022年年报股份变动及股东情况
优先股相关情况
22202322825202210优先股股东名称股东性质持股比例(%)报告期内增减持股总数
15.00–90,000,000
14.36–86,140,000
10.17–61,000,000
8.33–50,000,000
8.33–50,000,000
7.71+400,00046,260,000
6.08-1,150,00036,470,000
4.50–27,000,000
4.50–27,000,000
4.17-2,000,00025,022,000
1.
2. 10
20221028
28.5020221226
2022
2022年20212020股息率
派发股息
(含税)
4.75%2,850
4.75%2,8504.75%2,850
––––4.65%1,030
1. 202012
2237
201712136003055
20221028
20221226
12.68%0.89%3.57%
2022 2022
20221231主要业务业务回顾
20221231盈利与股息
20222022
2021202277
2021
0.364910.04
2022
0.389972.542022
20237132022A
2023714H2023
2023782023713
HH20222023774:30
H
171712-1716H202375202376年度股东大会及暂停过户日期20222023629
H20235302023629
HH202220235294:30
H
利润分配政策的制定和执行情况
10%
2022 2022
2020-2022
2022年20212020
97,25491,00481,504
30.0%
30.0%30.0%
1.
税项和税项减免
2022A
[2012]85
[2015]101
50%1
20%
10%H
H10%
2022 2022
H[2008]897H2008
10%H
[2014]81
[2016]127
10%财务资料概要
2018-2022
储备
2022捐款
20221.28固定资产
2022退休福利
主要客户2022530%最终母公司和子公司
2022
2022年年报 中国建设银行股份有限公司 2022年年报 中国建设银行股份有限公司
董事会报告书
前十大股东及持股情况2022股份发行债券发行
股票挂钩协议
20171221
5.125%
A11,538,461,538
股本及公众持股量
250,010,977,486H240,417,319,880A9,593,657,606股份的买卖和赎回
优先认股权
董事、监事及高级管理人员情况及薪酬政策
独立董事的独立性
3.13
3.13
中国建设银行股份有限公司 2022年年报中国建设银行股份有限公司 2022年年报董事会报告书
主要股东及其他人士的权益和淡仓名称股份类别股数权益性质
占A股已发行股份总数百分比(%)
占H股已发行
股份总数百分比(%)
占全部已发行
普通股股份总数百分比(%)
A692,581,7767.22–0.28
H133,262,144,534–59.3157.03
1. 20151229A692,581,776A9,593,657,6067.22%250,010,977,4860.28%195,941,976A496,639,800A
20221231AA195,941,976A496,639,800
2. 2009526H133,262,144,534H224,689,084,000
59.31%233,689,084,00057.03%20221231HH142,590,494,651H240,417,319,88059.31%250,010,977,48657.03%董事和监事在本行或其相联法团的股份、相关股份及债权证的权益和淡仓
H2022123115,55513,02312,447
15,41716,78917,009
XVXV78
20221231
董事会成员之间财务、业务、亲属关系
董事及监事之合约权益、服务合约及董事责任保险
2022董事、监事在与本行构成竞争之业务所占权益
2022年年报 中国建设银行股份有限公司 2022年年报 中国建设银行股份有限公司
董事会报告书
公司治理
公司章程修订情况2022
关联交易2022
14A.73
重大投资20221231
32(4A)环境政策及表现2022与雇员、供应商和客户的关系
2022
中国建设银行股份有限公司 2022年年报中国建设银行股份有限公司 2022年年报董事会报告书
信息披露2022
内幕信息管理
报告期后事项
20233242026100.00
2.80%2021
2023328200.00
50.0010
3.49%5150.00
153.61%
田国立
2023329
2022 2022
2022
主要工作情况依法规范开展监督议事。6
认真做好履职尽职监督。
不断深化财务监督。
ITШ
中国建设银行股份有限公司 2022年年报中国建设银行股份有限公司 2022年年报监事会报告书
持续强化风险管理监督。
不断加强内控合规监督。
切实发挥监督效能。
2022年年报 中国建设银行股份有限公司 2022年年报 中国建设银行股份有限公司
监事会报告书
对本行有关事项发表的独立意见
2022
1,000
20222022
2022
王永庆2023329
中国建设银行股份有限公司 2022??报
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履职尽职监督委员会
资金资管板块
个人金融
板块集团资产管理部
个人金融部(消费者权益保护部)
金融同业部
乡村振兴
金融部
资产托管业务部
私人银行部
金融市场部
住房金融与个人信贷部
资产负债管理部财务会计部人力资源部股权投资与子公司管理部贵金属及大宗商品业务部
信用卡中心建信基金管理有限责任公司
中德住房储蓄银行
有限责任公司
科技渠运板块数字化建设办公室网络金融部渠道与运营管理部数据管理部金融科技部
建信金融科技有限责任公司建信信托有限责任公司建信期货有限责任公司建信养老金管理有限责任公司
建信人寿保险
股份有限公司建信理财有限责任公司建信住房租赁私募基金管理有限公司
建信住房服务
有限责任公司
综合化经营管理委员会
公司金融管理委员会
普惠金融发展委员会
资金资管管理委员会
个人金融管理委员会
金融科技与
数字化建设委员会
消费者权益保护委员会
股东大会董事会监事会
财务与内部控制监督委员会高管层
审计部
风险管理
板块风险管理部资产保全部信贷管理部授信审批部内控合规部法律事务部安全保卫部
综合管理板块办公室
董事会办公室战略发展委员会
审计委员会
风险管理委员会
提名与薪酬
委员会
资产负债管理委员会
风险内控管理委员会
总行内设部门
公司业务部
战略与政策
协调部战略客户部党委巡视工作办公室机构业务部
公共关系与企业文化部普惠金融
事业部结算与现金
管理部
离退休人员
管理部投资银行部
党务工作部
(工会)国际业务部
党校(高级
研修院)分行级专营机构
综合化经营子公司
建信金融租赁
有限公司建信财产保险
有限公司建银工程咨询有限责任公司
第一汇报路线
建信金融资产投资有限公司
第二汇报路线
建信股权
投资管理有限责任公司建银国际(控股)
有限公司
省、自治区、直辖市分行、直属分行境外分行、子行
公司金融
板块
市区(县)分支行、分理处、储蓄所
关联交易、社会
责任和消费者权益保护委员会
监事会办公室
2022年年报 中国建设银行股份有限公司
分支机构及子公司国内一级分行分行地址电话传真安徽省分行23580551-628741000551-62872014230001北京市分行284010-63603682010-63603656100053重庆市分行123023-63771855023-63771835400010大连市分行10411-880666660411-82804560116001福建省分行
2980591-878384670591-87856865350009甘肃省分行770931-48915550931-4891862730030广东省分行509020-83018888020-83013950510045广西壮族自治区分行900771-55131100771-5513012530022贵州省分行
?????????????????
1480851-866960000851-86696371550001海南省分行80898-685872680898-68587569570125河北省分行400311-886010100311-88601001050000河南省分行800371-655566770371-65556688450003黑龙江省分行670451-586836420451-53625552150001湖北省分行709027-85486656027-65775881430015湖南省分行20731-844199100731-84419141410005吉林省分行8100431-808353100431-88988748130061江苏省分行188025-84203649025-84209316210002江西省分行3660791-868482000791-86848318330006辽宁省分行40024-22787600024-22857427110002内蒙古自治区分行60471-45937510471-4593890010010宁波市分行2550574-873282120574-87325019315040宁夏回族自治区分行
?????????????????$$#
980951-41262660951-4106165750001青岛市分行2220532-686700560532-82670157266061青海省分行590971-82612870971-8261287810000
中国建设银行股份有限公司 2022年年报分支机构及子公司
分行地址电话传真山东省分行1680531-820887340531-86169108250099陕西省分行38029-87606007029-87606014710002山西省分行
1260351-49578000351-4957871030001上海市分行900021-58880000021-58781818200120深圳市分行80755-816866660755-81683333518038四川省分行86028-86767161028-86767187610016苏州分行
??????
180512-627887860512-62788783215021天津市分行191022-58751166022-58751811300203西藏自治区分行210891-68387920891-6834852850008厦门市分行980592-21586680592-2158862361001新疆维吾尔自治区分行990991-28486660991-2819160830002云南省分行0871-630603330871-63060333650021浙江省分行330571-853132630571-85313001310016
2022年年报 中国建设银行股份有限公司
分支机构及子公司
境外分行阿斯塔纳分行26th Floor, Talan Towers, 16 Dostyk street, Esil district, Nur-Sultan City, The Republic of Kazakhstan007-7172738888007-7172736666澳门分行
00853-8291188000853-82911800迪拜国际金融中心分行31st Floor, Tower 2, Al Fattan Currency House, DIFC, 128220 Dubai, UAE00971-4-567488800971-4-5674777东京分行13F/1F, West Tower, Otemachi First Square, 5-1, Otemachi 1-chome Chiyoda-ku, Tokyo 100-0004, Japan0081-3-529352180081-3-32145157
1/F, Itoh Building, 3-6-14 Minamihonmachi, Chuo-ku, Osaka-shi, Osaka 541-0054, Japan0081-6-612090800081-6-62439080
多伦多分行181 Bay Street, Suite 3650, Toronto ON, Canada, M5J 2T3001-647-7777700001-647-7777739法兰克福分行Bockenheimer Landstrasse 75, 60325 Frankfurt am Main, Germany0049-69-97149500049-69-97149588, 97149577胡志明市分行11th Floor Sailing Tower, 111A Pasteur Street, District 1, Ho Chi Minh City, Vietnam0084-28-382955330084-28-38275533卢森堡分行1 Boulevard Royal, L-2449 Luxembourg, Luxembourg00352-2866880000352-28668801伦敦分行111 Old Broad Street, London, EC2N 1AP, U.K.0044-20-703860000044-20-70386001纳闽分行Level 13(E), Main Office Tower, Financial Park, Jalan Merdeka Labuan, Malaysia006087-582018006087-451188纽约分行33rd Floor, 1095 Avenue of the Americas, New York, USA NY 10036001-646-7812400001-212-2078288首尔分行China Construction Bank Tower, 24 Myeongdong 11-gil, Jung-gu, Seoul 04538, Korea0082-2-673036000082-2-67303601苏黎世分行Beethovenstrasse 33, 8002 Zurich, Switzerland0041-43-55588000041-43-5558898台北分行11047108100886-2-8729808800886-2-27236633
中国建设银行股份有限公司 2022年年报分支机构及子公司
悉尼分行Level 31, 88 Phillip Street, Sydney, NSW 2000, Australia0061-2-803161000061-2-92522779
Level 9, 123 Eagle Street, Brisbane, QLD 4000, Australia0061-7-306919000061-2-92522779
Level 40, 525 Collins Street, Melbourne, VIC 3000, Australia0061-3-945285000061-2-92522779
Level 9, 32 St Georges Terrace, Perth, WA 6000, Australia0061-8-624633000061-2-92522779
香港分行
00852-3918693900852-39186001新加坡分行9 Raffles Place, #39-01/02, Republic Plaza, Singapore 0486190065-653581330065-65356533新西兰分行Level 29, Vero Centre, 48 Shortland Street, Auckland 1010, New Zealand0064-9-33882000064-9-3744275约翰内斯堡分行95 Grayston Drive, Morningside, Sandton, South Africa 21960027-11-52094000027-11-5209411
15th Floor, Portside Building, 4 Bree Street, Cape Town, South Africa0027-21-44326600027-21-4432671
智利分行Isidora Goyenechea 2800, 30th floor, Santiago, Chile75500000056-2-27289100
2022年年报 中国建设银行股份有限公司
分支机构及子公司
附属公司建信财产保险有限公司166711121316100027010-85098000010-85098007 www.ccbpi.com.cn建信股权投资管理有限责任公司351106100033010-58527200010-58527209建信基金管理有限责任公司
100033010-66228888010-66228889 www.ccbfund.cn建信金融科技有限责任公司991215200120021-60633500021-60633500 www.ccbft.com建信金融资产投资有限公司9161601-01100033010-67590600010-67590601建信金融租赁有限公司
100031010-67594013010-66275808 www.ccbleasing.com建信理财有限责任公司503389-925180000755-883381010755-88338085建信期货有限责任公司
200120021-60635551021-60635520 www.ccbfutures.com建信人寿保险股份有限公司9929-33200120021-60638288021-60638204 www.ccb-life.com.cn建信信托有限责任公司1410100031010-67596584010-67596590 www.ccbtrust.com.cn建信养老金管理有限责任公司7A11100191010-56731294010-56731203 www.ccbpension.com建信住房服务有限责任公司22A3100032010-61979287010-61979291
中国建设银行股份有限公司 2022年年报分支机构及子公司
建信住房租赁私募基金管理有限公司
100031建银工程咨询有限责任公司
100081
010-60910300
010-88512310
www.ccbconsulting.com建银国际(控股)有限公司
00852-39118000
00852-25301496
www.ccbintl.com.hk中德住房储蓄银行有限责任公司
300051
022-58086699
022-58086808
www.sgb.cn中国建设银行(巴西)股份有限公司Avenida Brigadeiro Faria Lima, 4440, 2 and 5F, Itaim Bibi – S?o Paulo – SP – 04538-132
0055-11-21739000
0055-11-21739309中国建设银行(俄罗斯)有限责任公司Lubyanskiy proezd, 11/1, building 1, 101000 Moscow, Russia
007-495-6759800-140
007-495-6759810中国建设银行(伦敦)有限公司111 Old Broad Street, London, EC2N 1AP, U.K.
0044-20-70386000
0044-20-70386001中国建设银行(马来西亚)有限公司Level 20, Menara CCB, Quill 6, No.6, Leboh Ampang, City Centre, Kuala Lumpur, Malaysia
50100
00603-21601888
00603-27121819中国建设银行(欧洲)有限公司1 Boulevard Royal, L-2449 Luxembourg, Luxembourg
00352-28668800
00352-28668801
Claude Debussylaan 32, 1082MD Amsterdam, the Netherlands0031-0-2050478990031-0-205047898
86-88 bd Haussmann, 75008 Paris, France0033-1553099990033-155309998
Avenida Diagonal, 640 5a planta D, 08017 Barcelona, Spain0034-9352250000034-935225078
Warsaw Financial Center, ul. Emilii Plater 53, 00-113 Warsaw, Poland0048-22-16666660048-22-1666600
Via Mike Bongiorno 13, 20124 Milan, Italy0039-02-321630000039-02-32163092
Szabadság tér 7, 1054 Budapest, Hungary0036-1-33668880036-1-3366801
中国建设银行(新西兰)有限公司Level 29, Vero Centre, 48 Shortland Street, Auckland 1010, New Zealand
0064-9-3388200
0064-9-3744275中国建设银行(亚洲)股份有限公司
00852-39186939
00852-39186001中国建设银行(印度尼西亚)股份有限公司Sahid Sudirman Center 15th Floor, Jl. Jend. Sudirman Kav. 86, Jakarta
10220
0062-2150821000
0062-2150821010
www.idn.ccb.com
2022年年报 中国建设银行股份有限公司
附录一 外部审计师审计报告及财务报告
外部审计师审计报告财务报表:
合并及银行资产负债表
合并及银行利润表
合并股东权益变动表
银行股东权益变动表
合并及银行现金流量表
财务报表附注:
12422242324342435262626272638263926410266112671227313283142861528716289172891829019292202922129422296232982429825299
2730028300293013030431304323063331034311
35311363143731538318393194031941320423214332144321453224632247322483234932350323513245232453325543265532756336573375833759339603436139962399
财务报表补充资料:
1 40024003402
目录
2022
(2023)60438537_A01
232399202212312022
202212312022
2022
201722????20221231201,015.1658.09%7,040.88
4(3)4(27)(b)1160(1)
(1)???(2)??
2022
202212
20,140.32
28,766.94
4(1)4(27)(f)14
20221231
36,455.2610.54%
202212311,714.15
4.70%
4(3)4(27)(c)9111260(5)
2022
2022
(1)
(2)(3)(4)
(5)(6)
2022
2023329
2022
20221231
20221231
20211231
20221231
20211231
63,159,2962,763,8923,149,1302,743,731 7185,380155,107153,12295,720
119,329121,493119,329121,493 8429,676188,162508,997292,067 949,30831,55047,75630,643 101,040,847549,0781,015,534535,423 1120,495,11718,170,49220,071,83417,707,822 12
567,716545,273259,329238,283
5,992,5825,155,1685,894,4155,061,712
1,979,8511,941,4781,863,3011,845,569 1322,70018,87591,80886,692 14––15,18648,731 15157,014156,698116,815122,329 169,97111,6289,76811,317 1713,22513,63012,35512,779 186,4965,8585,1404,734 192,2562,141–– 20113,53392,343109,77389,943 21257,620331,113246,226313,943
34,601,91730,253,97933,689,81829,362,931
23774,779685,033774,779685,033 242,584,2711,932,9262,567,2921,920,596 25351,728299,275258,567208,348 26303,132229,022302,733228,034 946,74731,32345,32830,170 27242,67633,900215,1805,477 2825,020,80722,378,81424,710,34522,067,148 2949,35540,99843,41035,588 3084,16986,34282,95184,089 3150,82645,90348,28943,527 321,646,8701,323,3771,572,8121,242,931 20
1,395
33566,916551,549271,645274,572
31,723,15727,639,85730,893,38426,825,552
242399
2022
20221231
20221231
20211231
20221231
20211231
34250,011250,011250,011250,011 35
59,97759,97759,97759,977
79,99139,99179,99139,991 36135,653134,925134,826134,835 3720,79321,33825,94830,901 38337,527305,571337,527305,571 39444,786381,621431,967373,381 401,527,9951,394,7971,476,1871,342,712
2,856,7332,588,2312,796,4342,537,379
22,02725,891––
2,878,7602,614,1222,796,4342,537,379
34,601,91730,253,97933,689,81829,362,931
242399
2022
2022
2022202120222021
822,473824,246736,315733,749 41643,064605,420628,432588,155
1,169,9001,057,3341,142,6751,031,531
(526,836)(451,914)(514,243)(443,376) 42116,085121,492104,824113,479
130,830138,637119,071127,391
(14,745)(17,145)(14,247)(13,912) 4315,35223,9214,34012,672
1,1941,603
–
4,634
4,639 44(12,359)6,551(5,549)11,355
7,3331,9926,009 4559,83659,5292,2762,079
(440,530)(445,470)(360,657)(367,081)
(8,154)(7,791)(7,609)(7,301) 46(213,219)(209,864)(201,867)(195,878) 47(154,539)(167,949)(149,198)(161,964) 48(479)(766)(595)(480) 49(64,139)(59,100)(1,388)(1,458)381,943378,776375,658366,668
1,0151,163
1,068
(941)(1,527)(810)(1,367)
382,017378,412375,716366,369 50(58,851)(74,484)(56,157)(70,605)
323,166303,928319,559295,764
323,861302,513319,559295,764
(695)1,415––
(441)6,578(4,953)9,142
(545)6,290(4,953)9,142
(453)(373)(1,123)(641)
(275)(25)(275)(25)
(211)(463)(881)(731)
(92)6,663(3,830)9,783
(12,477)12,656(9,667)11,816
3,145
2,960
(423)
(275)
8,744(6,446)2,258(2,533)
––
242399
2022
2022
2022202120222021
322,725310,506314,606304,906
323,316308,803314,606304,906
(591)1,703––
1.28
1.19
242399
2022
2022
202211250,01159,97739,991134,92521,338305,571381,6211,394,79725,8912,614,122
––40,000728(545)31,95663,165133,198(3,864)264,638
–––––––323,861(695)323,166 ––––(545)–––104(441)
––––(545)––323,861(591)322,725
1.
––40,000(9)––––(3,335)36,6562.––––––––32323.
–––737––––4621,199
1.–––––31,956–(31,956)––2.––––––63,165(63,165)––
3.–––––––(91,004)–(91,004)
4.
–––––––(4,538)–(4,538)
5.––––––––(432)(432)
20221231250,01159,97779,991135,65320,793337,527444,7861,527,99522,0272,878,760
242399
2022
2021
202111250,01159,97739,991134,26315,048275,995350,2281,239,29524,5452,389,353
–––6626,29029,57631,393155,5021,346224,769
–––––––302,5131,415303,928
––––6,290–––2886,578––––6,290––302,5131,703310,506
1. –––662––––109771
1. –––––29,576–(29,576)–– 2. ––––––31,393(31,393)–– 3. –––––––(81,504)–(81,504)4. –––––––(4,538)–(4,538) 5. ––––––––(466)(466)20211231250,01159,97739,991134,92521,338305,571381,6211,394,79725,8912,614,122
242399
2022
2022
202211250,01159,97739,991134,83530,901305,571373,3811,342,7122,537,379
––40,000(9)(4,953)31,95658,586133,475259,055
–––––––319,559319,559––––(4,953)–––(4,953)––––(4,953)––319,559314,6061.
––40,000(9)––––39,9911.–––––31,956–(31,956)–2.––––––58,586(58,586)–
3.–––––––(91,004)(91,004)
4.–––––––(4,538)(4,538)
20221231250,01159,97779,991134,82625,948337,527431,9671,476,1872,796,434
242399
2022
2021
202111250,01159,97739,991134,83521,759275,995342,1741,193,7732,318,515
––––9,14229,57631,207148,939218,864
–––––––295,764295,764––––9,142–––9,142––––9,142––295,764304,906 1. –––––29,576–(29,576)– 2. ––––––31,207(31,207)– 3. –––––––(81,504)(81,504) 4. –––––––(4,538)(4,538)
20211231250,01159,97739,991134,83530,901305,571373,3811,342,7122,537,379
242399
2022
2022
2022202120222021
86,362–86,362–
3,155,4331,706,2553,177,0001,707,092
39,402–30,019–
73,013–73,658–
207,137–209,293–
213,154265,824212,273264,522
–368,327–379,922
–86,583–93,940
–52,784–49,735
–47,290–40,718
1,090,8301,012,9511,059,670981,796
284,055124,483210,82867,274
5,149,3863,664,4975,059,1033,584,999
(152,657)–(167,269)–
(169,074)–(172,841)–
(490,627)–(479,377)–
(17,420)–(37,383)–
(2,371,471)(2,125,561)(2,431,694)(2,118,139)
–(93,844)–(93,844)
–(45,999)–(40,778)
–(24,632)–(23,483)
–(22,366)–(27,754)
(469,131)(385,088)(459,038)(375,579)
(118,518)(112,889)(108,104)(103,352)
(135,901)(130,027)(129,130)(123,956)
(246,168)(287,373)(201,840)(279,031)
(4,170,967)(3,227,779)(4,186,676)(3,185,916)
53(1)978,419436,718872,427399,083
1,795,5661,891,8591,504,0471,709,611
251,007236,568238,450224,904
––32,545594,275
3,7432,953
2,050,3162,131,3801,775,7922,529,598
(2,674,813)(2,623,732)(2,334,926)(2,379,752)
(3,420)(4,961)(6,000)(800)
–––(15,000)
–––(574,377)
(23,751)(21,235)(11,870)(16,382)
(2,701,984)(2,649,928)(2,352,796)(2,986,311)
(651,668)(518,548)(577,004)(456,713)
242399
2022
2022
2022202120222021
145,495210,676143,495183,253
39,991–39,991–
–
––
185,486211,447183,486183,253
(95,855)(86,364)(95,542)(86,042)
(62,388)(81,899)(50,157)(57,868)
(22,369)(17,805)(20,194)(15,352)
(3,335)–––
(7,964)(9,256)(6,106)(6,725)
(191,911)(195,324)(171,999)(165,987)
(6,425)16,12311,48717,266
17,726(7,624)19,588(8,500)
53(2)338,052(73,331)326,498(48,864)
805,600878,931773,752822,616
53(3)1,143,652805,6001,100,250773,752
242399
2022
(“”)1954199419962004917(“”)(“”)20051020079939601939202212312,500.111
(“”)2018“”)B0004H11100000191110000100004447725(“”)
“”(“”)(“”)“”(“”)(“”)(“”)2023329
2006215(“”)111231
(1) 计量基础
(i)(ii)(iii)(iv)4
(2) 记账本位币和报表列示货币
4(2)(b)
(3) 使用估计和判断
4(27)
2022
202212312022
(4(3))(4(5))(4(11))
4(27)
(1) 合并财务报表
(a) 企业合并
4(11)
(b) 子公司和少数股东权益
4(13)
2022
(除特别注明外,以人民币百万元列示)
(1) 合并财务报表(续)
(b) 子公司和少数股东权益(续)
“”“”“”
(c) 联营企业和合营安排
(2) 外币折算
(a) 外币交易的折算
(b) 外币财务报表的折算
“”“”
2022
(除特别注明外,以人民币百万元列示)
(3) 金融工具
(a) 金融工具的分类
(i)(ii)
(i)(ii)4(21)(c)
(i)(ii)
(iii)
(i)(ii)
2022
(除特别注明外,以人民币百万元列示)
(3) 金融工具(续)
(a) 金融工具的分类(续)
(b) 衍生金融工具和套期会计
(i)
(ii)
2022
(除特别注明外,以人民币百万元列示)
(3) 金融工具(续)
(c) 嵌入衍生金融工具
(i)(ii)(iii)
(d) 金融工具的确认和终止确认
(i)(ii)(iii)
(i)(ii)
(e) 金融工具的计量
2022
(除特别注明外,以人民币百万元列示)
(3) 金融工具(续)
(e) 金融工具的计量(续)
(i)(ii)
(i)
(i)(ii)(iii)
(i)(ii)
2022
(除特别注明外,以人民币百万元列示)
(3) 金融工具(续)
(f) 金融资产减值
(i)(ii)(iii)
(g) 贷款核销(h) 合同修改
2022
(除特别注明外,以人民币百万元列示)
(3) 金融工具(续)
(i) 公允价值的确定
(j) 抵销
(k) 证券化
(“”)
(l) 买入返售金融资产和卖出回购金融资产款
(4) 贵金属
2022
(除特别注明外,以人民币百万元列示)
(5) 固定资产及在建工程
(a) 成本
(b) 固定资产的折旧和减值
30-353%2.8%-3.2%3-83%12.1%-32.3%4-113%8.8%-24.3%20-30
2.9%4.8%
4(13)
(c) 固定资产的处置
2022
(除特别注明外,以人民币百万元列示)
(6) 租赁
租赁的识别
租赁期的评估
作为承租人
4(7)4(15)
租赁变更
(a)(b)
(a)(b)承租人增量借款利率
短期租赁和低价值资产租赁
作为出租人
2022
(除特别注明外,以人民币百万元列示)
(6) 租赁(续)
作为出租人(续)作为融资租赁出租人
(a)(b)(a)(b) 4(3)
作为经营租赁出租人
售后租回交易作为出租人
4(3)
(7) 使用权资产
(a)(b)(c)(d)
2022
(除特别注明外,以人民币百万元列示)
(8) 投资性房地产
30-353%2.8%-3.2%4(9)
(9) 土地使用权
4(13)
(10) 无形资产
4(13)
(11) 商誉
4(13)
(12) 抵债资产
“”
4(13)
2022
(除特别注明外,以人民币百万元列示)
(13) 资产减值
(a) 含有商誉的资产组减值的测试
(b) 减值损失
(c) 减值损失的转回
(14) 职工薪酬
(a) 离职后福利
(“”)
2022
(除特别注明外,以人民币百万元列示)
(14) 职工薪酬(续)
(a) 离职后福利(续)
20031231
(b) 辞退福利
(c) 内部退养福利
(d) 员工激励计划
(15) 租赁负债
2022
(除特别注明外,以人民币百万元列示)
(16) 保险合同
保险合同的分拆
保费收入确认(a)(b)(c)保险合同准备金
(17) 预计负债及或有负债
(18) 权益工具
(a)
(b)
2022
(除特别注明外,以人民币百万元列示)
(19) 财务担保合同和贷款承诺
(20) 受托及托管业务
(“”)(“”)
(21) 收入确认
(a) 利息收入
(b) 手续费及佣金收入(c) 股利收入
2022
(除特别注明外,以人民币百万元列示)
(22) 所得税
(23) 现金等价物
(24) 股利分配
(25) 关联方
(a)(b)(c)(d)(e)(f)(g)(h)(i)(j)(k)(l)(m)
2022
(除特别注明外,以人民币百万元列示)
(25) 关联方(续)
(n) 5%(o) 5%(p) 1212(a)(c)(n)(q) 1212(i)(j)(o)(r) (i)(j)(o)(q)
(26) 经营分部
(27) 重要会计估计及判断
(a) 金融资产的分类
(b) 预期信用损失的计量
60(1)
60(1)
2022
(除特别注明外,以人民币百万元列示)
(27) 重要会计估计及判断(续)
(c) 金融工具的公允价值
(d) 所得税
(e) 退休福利负债
(f) 合并范围
(i)(ii)(iii)
(28) 已颁布的企业会计准则及修订
202025[2020]20“”)202311
“”
2023112023
2022
增值税
[2016]362016516%
城建税
1% -7%
教育费附加
3%
地方教育附加
2%所得税
25%
20221231
20211231
20221231
20211231
47,53448,61347,06148,154
(1)2,305,3012,160,4852,301,6462,157,529 (2)771,473520,700765,451503,960
33,72533,03233,71233,028
1,2631,0621,2601,060
3,159,2962,763,8923,149,1302,743,731
(1) (“”)
20221231
20211231
9.50%
10.00%
6.00%
9.00%
(2)
2022
(除特别注明外,以人民币百万元列示)
(1) 按交易对手类别分析
20221231
20211231
20221231
20211231
177,040146,243145,94188,0507,6188,0037,3057,742
1,060
185,718155,232153,43695,827
(338)(125)(314)(107)
185,380155,107153,12295,720
(2) 按交易对手所属地理区域分析
20221231
20211231
20221231
20211231
152,435122,172122,62468,839
32,22332,07430,62226,953
1,060
185,718155,232153,43695,827
(338)(125)(314)(107)
185,380155,107153,12295,720
202212312021123120222021
(1) 按交易对手类别分析
20221231
20211231
20221231
20211231
254,70496,021240,06896,934173,14891,551266,548193,995
2,6571,0043,2101,548
430,509188,576509,826292,477
(833)(414)(829)(410)
429,676188,162508,997292,067
2022
(除特别注明外,以人民币百万元列示)
(2) 按交易对手所属地理区域分析
20221231
20211231
20221231
20211231
276,535115,485369,335209,136151,31772,087137,28181,793
2,6571,0043,2101,548
430,509188,576509,826292,477
(833)(414)(829)(410)
429,676188,162508,997292,067
20221231(20211231)
(1) 按合约类型分析
本集团
2022123120211231
654,5597,2024,312584,1021,8702,296
2,685,52140,11938,8203,183,56727,57827,772(a)127,6411,9873,615130,1382,1021,255
3,467,72149,30846,7473,897,80731,55031,323
本行
2022123120211231
647,9676,8324,352577,6671,8272,1022,599,04439,13937,9203,110,48727,13926,927(a)113,9361,7853,056113,4511,6771,141
3,360,94747,75645,3283,801,60530,64330,170
2022
(除特别注明外,以人民币百万元列示)
(2) 按交易对手信用风险加权资产分析
20221231
20211231
20221231
20211231
6,4793,3874,5313,084
50,16839,03647,88536,555 (a)14,86916,0824,1533,247
71,51658,50556,56942,886
16,95213,61814,90311,509
88,46872,12371,47254,395
20131
201911(a)
(3) 套期会计
本集团
2022123120211231
52,6642,1471,29047,695197522
2,40351729––
18,394767211,1024955
–––636–48
3,105210–2,894718
76,5662,4381,37962,356253643
本行
2022123120211231
39,8731,3081,25037,17697442
–––29––
18,394767211,1024955
58,2671,3841,32248,307146497
2022
(除特别注明外,以人民币百万元列示)
(3) 套期会计(续)
(a) 公允价值套期
2022202120222021
1,166
(1,139)(672)(346)(454)
20222021
(b) 现金流量套期
20224.85
5.0020213.20
3.25
20221231
20211231
20221231
20211231
413,548259,628390,321250,358
562,011253,753559,943249,398
975,559513,381950,264499,756
64,96435,59064,96435,590
1,041,053549,1701,015,740535,515
(206)(92)(206)(92)
1,040,847549,0781,015,534535,423
202212312021123120222021
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析
20221231
20211231
20221231
20211231
20,101,51618,380,91619,663,20217,905,742(704,088)(637,338)(688,073)(621,988)
(a)19,397,42817,743,57818,975,12917,283,754
(b)1,048,651379,4691,048,651379,469
(c)–3,761–1,393
49,03843,68448,05443,206
20,495,11718,170,49220,071,83417,707,822
(a) 以摊余成本计量的发放贷款和垫款
20221231
20211231
20221231
20211231
11,653,88210,267,66511,419,04210,007,107
118,290135,601––
11,772,17210,403,26611,419,04210,007,107
6,547,6596,449,5806,484,3516,391,181
301,416240,147295,444234,011
415,344226,463415,344226,463
928,101899,127924,873896,222
136,824162,333124,148150,758
8,329,3447,977,6508,244,1607,898,635
20,101,51618,380,91619,663,20217,905,742
(339,557)(310,207)(336,031)(305,642)
(176,141)(154,465)(172,705)(150,692)
(188,390)(172,666)(179,337)(165,654)
(704,088)(637,338)(688,073)(621,988)
19,397,42817,743,57818,975,12917,283,754
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析(续)
(b) 以公允价值计量且其变动计入其他综合收益的发放贷款和垫款
20221231
20211231
20221231
20211231
1,048,651379,4691,048,651379,469
(c) 以公允价值计量且其变动计入当期损益的发放贷款和垫款
20221231
20211231
20221231
20211231
–3,761–1,393
(2) 按贷款预期信用损失的评估方式分析
本集团
20221231
19,128,592680,099292,82520,101,516(339,557)(176,141)(188,390)(704,088)
18,789,035503,958104,43519,397,428
1.78%25.90%64.34%3.50%
1,038,16110,490–1,048,651
(2,610)(553)–(3,163)
2021123117,525,964588,881266,07118,380,916
(310,207)(154,465)(172,666)(637,338)17,215,757434,41693,40517,743,578
1.77%26.23%64.89%3.47%
376,3553,114–379,469
(900)(216)–(1,116)
2022
(除特别注明外,以人民币百万元列示)
(2) 按贷款预期信用损失的评估方式分析(续)
本行
20221231
18,724,480659,842278,88019,663,202
(336,031)(172,705)(179,337)(688,073)
18,388,449487,13799,54318,975,129
1.79%26.17%64.31%3.50%
1,038,16110,490–1,048,651
(2,610)(553)–(3,163)
2021123117,094,203562,427249,11217,905,742(305,642)(150,692)(165,654)(621,988)16,788,561411,73583,45817,283,754
1.79%26.79%66.50%3.47%
376,3553,114–379,469
(900)(216)–(1,116)
4(3)(f)
2022
(除特别注明外,以人民币百万元列示)
(3) 贷款损失准备变动情况
本集团
2022
202211310,207154,465172,666637,338
16,596(16,120)(476)–
(8,324)14,805(6,481)–
(4,035)(22,533)26,568–154,797––154,797(a)(120,384)(29,647)(52,014)(202,045)
(b)(9,300)75,17184,033149,904––(51,434)(51,434)––15,52815,528
20221231339,557176,141188,390704,088
2021202111275,428108,099172,536556,063 9,277(8,793)(484)– (10,303)12,817(2,514)– (2,551)(21,749)24,300–
153,274––153,274(a)(107,775)(19,250)(47,119)(174,144)(b)(7,143)83,34172,186148,384
––(59,999)(59,999)––13,76013,760
20211231310,207154,465172,666637,338
2022
(除特别注明外,以人民币百万元列示)
(3) 贷款损失准备变动情况(续)
本行
2022
202211305,642150,692165,654621,988
16,110(15,652)(458)–
(8,211)14,457(6,246)–
(3,906)(22,142)26,048–153,881––153,881(a)(118,979)(28,388)(49,393)(196,760)(b)(8,506)73,73876,250141,482––(47,999)(47,999)––15,48115,481
20221231336,031172,705179,337688,073
2021
202111271,329103,948165,963541,240 9,096(8,639)(457)– (9,702)12,161(2,459)– (2,539)(20,290)22,829–
151,513––151,513(a)(106,659)(18,314)(46,687)(171,660)(b)(7,396)81,82671,870146,300
––(59,136)(59,136)––13,73113,731
20211231305,642150,692165,654621,988(a)(b)
202220221,654.3720211,865.90
519.232021622.36
474.952021279.72
20212022202120222021
2022
(除特别注明外,以人民币百万元列示)
(4) 已逾期贷款总额按逾期期限分析
本集团
20221231
23,34219,0399,6431,78553,80916,44613,24621,1064,07954,87743,93130,76821,0184,602100,319
4,2781,7013,1766529,807
87,99764,75454,94311,118218,812
0.41%0.31%0.26%0.05%1.03%
20211231
15,75119,2928,0684,13747,248
8,80914,06327,1826,08756,14122,58819,08620,7264,17866,578
1,6982,7081,6574316,49448,84655,14957,63314,833176,461
0.26%0.29%0.31%0.08%0.94%
2022
(除特别注明外,以人民币百万元列示)
(4) 已逾期贷款总额按逾期期限分析(续)
本行
20221231
23,03217,7189,5371,78552,07213,64412,05821,1023,85550,65942,93930,67819,7004,23897,5553,8545741,9752696,672
83,46961,02852,31410,147206,958
0.40%0.29%0.25%0.05%0.99%
20211231
15,44519,1137,0174,13745,7128,61413,93626,5966,08555,23122,17618,85114,0173,92258,9661,4482,2105112014,37047,68354,11048,14114,345164,279
0.26%0.30%0.26%0.08%0.90%
(5) 不良资产的批量转让
202230.52202159.85
(6) 核销政策
2022
156.552021210.81
(1) 按计量方式分析
20221231
20211231
20221231
20211231
(a)567,716545,273259,329238,283(b)5,992,5825,155,1685,894,4155,061,712 (c)1,979,8511,941,4781,863,3011,845,569
8,540,1497,641,9198,017,0457,145,564
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析(续)
(a) 以公允价值计量且其变动计入当期损益的金融资产
20221231
20211231
20221231
20211231
(i)140,689123,85795,41958,270 (ii)1,007
––
141,696124,78895,41958,270
(iii)58,79619,6131,4521,413 (iv)140,547136,747137,868135,270 (v)226,677264,12524,59043,330
426,020420,485163,910180,013
567,716545,273259,329238,283
(i)
20221231
20211231
20221231
20211231
16,22716,93610,55614,801
7,453
7,249
23,61234,1057,0756,929
38,99728,96619,33814,571
54,40043,63951,20121,758
140,689123,85795,41958,270
129,534123,46185,83058,059
1,326
11,155
9,589
140,689123,85795,41958,270
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析(续)
(a) 以公允价值计量且其变动计入当期损益的金融资产(续)
(ii)
20221231
20211231
20221231
20211231
––
––
1,007
––
––
––
––
1,007
––
(iii)
20221231
20211231
20221231
20211231
34,0084,0711,1731,08124,78815,542
58,79619,6131,4521,413
58,79619,6131,4521,413
58,79619,6131,4521,413
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析(续)
(a) 以公允价值计量且其变动计入当期损益的金融资产(续)
(iv)
20221231
20211231
20221231
20211231
11,3537,49911,3127,452
126,889128,045125,841127,150
2,3051,203
140,547136,747137,868135,270
138,442135,766137,150134,385
––
2,105
140,547136,747137,868135,270
(v)
20221231
20211231
20221231
20211231
83,702116,5399,96624,500
142,975147,58614,62418,830
226,677264,12524,59043,330
36,79151,40819,28638,217
1,3941,283––
189,886212,7175,3045,113
226,677264,12524,59043,330
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析(续)
(b) 以摊余成本计量的金融资产
20221231
20211231
20221231
20211231
5,164,5914,417,3505,134,1104,396,398–4,799––336,182293,199330,476288,487
153,605141,458149,277137,979
245,356214,569180,412147,857
49,20049,20049,20049,200
5,948,9345,120,5755,843,4755,019,921
78,53068,82177,51067,973
6,027,4645,189,3965,920,9855,087,894
(17,782)(17,737)(17,497)(17,507)
(199)(1,427)(170)(916)
(16,901)(15,064)(8,903)(7,759)
(34,882)(34,228)(26,570)(26,182)
5,992,5825,155,1685,894,4155,061,712
5,878,5545,039,2705,829,3114,998,663
5,9945,5004,2533,477
114,028115,89865,10463,049
5,992,5825,155,1685,894,4155,061,712
6,031,7405,166,9415,980,7425,125,184
(c) 以公允价值计量且其变动计入其他综合收益的金融资产
20221231
20211231
20221231
20211231
(i)1,972,4041,934,0611,845,4181,821,336(ii)7,4477,41717,88324,233
1,979,8511,941,4781,863,3011,845,569
2022
(除特别注明外,以人民币百万元列示)
(1) 按计量方式分析(续)
(c) 以公允价值计量且其变动计入其他综合收益的金融资产(续)(i)
20221231
20211231
20221231
20211231
1,217,5941,200,0611,184,7711,171,186
40,06438,10312,39016,187
425,149413,845402,598398,870135,82899,382110,93977,387
107,421120,34886,45896,745
21,16736,52723,98936,023
1,947,2231,908,2661,821,1451,796,398
25,18125,79524,27324,938
1,972,4041,934,0611,845,4181,821,336
1,872,5501,865,9161,789,1121,781,626
61,90568,43531,25036,326
99,85468,14556,30639,710
1,972,4041,934,0611,845,4181,821,336
(ii)
20221231
7,4471817,883756
20211231
7,4171724,233686
20222021
2022
(除特别注明外,以人民币百万元列示)
(2) 金融投资损失准备变动情况
(a) 以摊余成本计量的金融资产
2022
20221117,7371,42715,06434,228
––––
(60)60––
(34)(610)644–3,106––3,106(2,288)(699)(306)(3,293)(i)
(713)142,7692,070
347(1,270)(1,229)
2022123117,78219916,90134,882
2021
20211113,2112826,74520,238 –––– (13)13–– –(111)111–
5,0739167,36413,353(1,494)(112)(623)(2,229)(i)8784293,3994,706
8210(1,932)(1,840)2021123117,7371,42715,06434,228
2022
(除特别注明外,以人民币百万元列示)
(2) 金融投资损失准备变动情况(续)
(a) 以摊余成本计量的金融资产(续)
2022
20221117,5079167,75926,182
––––
(33)33––
(34)(10)44–2,931––2,931(2,213)(681)(180)(3,074)
(i)
(691)(88)2,2411,462
30–(961)(931)
2022123117,4971708,90326,570
2021
20211112,930–40613,336 –––– –––– ––––
4,6369167,36412,916
(828)––(828)(i)809––809
(40)–(11)(51)
2021123117,5079167,75926,182
2022
(除特别注明外,以人民币百万元列示)
(2) 金融投资损失准备变动情况(续)
(b) 以公允价值计量且其变动计入其他综合收益的金融资产
2022
2022113,640101703,811
3(3)––
––––
–(56)56–2,501––2,501(1,152)(20)(70)(1,242)
(i)54820316884
4––4
202212315,544423725,958
20212021113,33411–3,345 11(11)–– (9)9–– (1)–1–
6413–644
(856)––(856)(i)417159104680
103(70)(35)(2)202112313,640101703,811
2022
(除特别注明外,以人民币百万元列示)
(2) 金融投资损失准备变动情况(续)
(b) 以公允价值计量且其变动计入其他综合收益的金融资产(续)
2022
2022113,5003–3,503
3(3)––
––––
––––2,455––2,455(1,116)––(1,116)
(i)558––558
3––3
202212315,403––5,403
20212021113,1754–3,179 4(4)–– –––– ––––
6243–627
(731)––(731)(i)430––430
(2)––(2)202112313,5003–3,503
(i) /20221231197.6820211231
182.961.752021
12310.7412.732021123152.414.672021
123114.69
202218,029.612021
15,685.309,439.11(20218,334.74
2022
(除特别注明外,以人民币百万元列示)
(1) 对子公司的投资
(a) 投资余额
20221231
20211231
(“”)27,00027,000(“”)15,00015,000(“”)11,16311,163CCB Brazil Financial Holding – Investimentos e Participa??es Ltda.9,5429,542(“”)7,4297,429(“”)6,9626,962(“”)(i)5,000–(“”)4,4064,406(“”)(ii)2,8612,861(“”)2,2152,215(“”)(iii)1,6101,955(“”)1,5021,502(“”)1,3341,334(“”)
(“”)
(“”)
(“”)
(“”)––
98,65794,002
(8,672)(8,110)
89,98585,892
(i) 202210300.00
299.9920221231
50.00
(ii) 20221231(iii) 20221215%
70%
2022
(除特别注明外,以人民币百万元列示)
(1) 对子公司的投资(续)
(b) 除建行印尼外,本集团主要子公司均为非上市企业,基本情况如下:
270100%–100%150100%–100%110100%–100%CCB Brazil Financial Holding-Investimentose Participa??es Ltda.
42.8199.99%0.01%100%
10567%–67%
71.2051%–51%
5099.99%0.01%100%
5.5100%–100%
100%–100%37,919.73
60%–60%2370%–70%
2075.10%–75.10%
8.23100%–100%
1.99100%–100%42100%–100%5100%–100%265%–65%1100%–100%
(“”)
6.01–100%100%
(“”)
65.11
–100%100%
(“”)
29.57–100%100%
(c) 20221231
2022
(除特别注明外,以人民币百万元列示)
(2) 对联营企业和合营企业的投资
(a) 本集团及本行对联营企业和合营企业投资的增减变动情况如下:
2022202120222021
18,87513,702
–(i)3,4204,9611,000
(551)(1,152)––
1,1941,603
–(603)(150)––(22)(44)–––
(89)––
22,70018,8751,823
(i) 20221110.00
18.00
(b) 本集团主要联营企业和合营企业的基本情况如下:
118.6450.00%50.00%13,523330584496
207.139.04%9.04%21,127157470190
3548.57%40.00%4,109–15115110,00050.00%50.00%1,6471,59718051
111.508.97%8.97%14,0062,81260644
2022
(除特别注明外,以人民币百万元列示)
(1) 未纳入合并范围的结构化主体
2022123120211231
20221231
20211231
130,468121,693
15,42525,692
15,39413,3403,4444,431
164,918165,773
20222021
20222021
3,34716,43218,8583,2344,277
(909)1,244
19,71427,726
2022123120,140.322021123123,722.7928,766.9420211231
31,828.002022
72.1920221231172.00(2021123138.00
)
(2) 纳入合并范围的结构化主体
2022
(除特别注明外,以人民币百万元列示)
本集团
202211150,79559,60435,52953,174299,1023274,3548,5513,48916,7211,72070–1,6673,457
(606)(6,963)(849)(2,379)(10,797)
20221231152,23657,06543,23155,951308,483
202211(56,690)(41,033)(7,082)(36,809)(141,614)
(5,036)(5,906)(2,144)(4,563)(17,649)
1256,5534671,9199,064
20221231(61,601)(40,386)(8,759)(39,453)(150,199)
202211
(390)–(397)(3)(790)
(4)–(440)–(444)2–(38)–(36)
20221231
(392)–(875)(3)(1,270)
20221193,71518,57128,05016,362156,698
2022123190,24316,67933,59716,495157,014
202111145,42356,12234,69852,960289,203
9055,6453,3562,08011,9865,1882,374–2,67910,241
(721)(4,537)(2,525)(4,545)(12,328)20211231150,79559,60435,52953,174299,102202111(51,944)(39,299)(5,872)(36,333)(133,448)
(4,947)(6,155)(1,483)(5,016)(17,601)
2014,4212734,5409,43520211231(56,690)(41,033)(7,082)(36,809)(141,614)
202111(392)–(96)(3)(491)
––(304)–(304)2–3–520211231(390)–(397)(3)(790)20211193,08716,82328,73016,624155,264
2021123193,71518,57128,05016,362156,698
2022
(除特别注明外,以人民币百万元列示)
本行
202211144,53558,46051,133254,128
3024,1582,2026,6621,719691,6663,454
(192)(6,964)(1,753)(8,909)
20221231146,36455,72353,248255,335
202211(55,492)(40,214)(35,700)(131,406)(4,861)(5,756)(4,421)(15,038)
1146,5431,6588,315
20221231(60,239)(39,427)(38,463)(138,129)
202211
(390)–(3)(393)––––2––2
20221231
(388)–(3)(391)
20221188,65318,24615,430122,329
2022123185,73716,29614,782116,815
202111139,53955,08950,986245,614
4385,4642,0027,9044,9492,3722,6699,990
(391)(4,465)(4,524)(9,380)20211231144,53558,46051,133254,128202111(50,868)(38,549)(35,546)(124,963)
(4,763)(6,028)(4,650)(15,441)
1394,3634,4968,99820211231(55,492)(40,214)(35,700)(131,406)
202111(391)–(3)(394)
––––1––120211231(390)–(3)(393)20211188,28016,54015,437120,257
2021123188,65318,24615,430122,329(1)
(2) 2022123165.8720211231
119.97
2022
2022202120222021
11,62817,24211,31716,9622,4075,3732,3435,063
(3,457)(10,241)(3,454)(9,990)(607)(746)(438)(718)
9,97111,6289,76811,317
–(1)–(1)–
–
––––
11,62817,24111,31716,961
9,97111,6289,76811,317
2022202120222021
22,69222,65221,73321,676
(115)(105)(115)(88)
22,74322,69221,74221,733
(8,927)(8,399)(8,819)(8,305)
(528)(546)(505)(530)
(9,385)(8,927)(9,254)(8,819)
(135)(135)(135)(135)
–
–
(133)(135)(133)(135)
13,63014,11812,77913,236
13,22513,63012,35512,779
2022
(除特别注明外,以人民币百万元列示)
本集团
20221116,1751,03317,2082,82942,833
(105)(115)(220)
2022123118,89992219,821
202211(10,904)(437)(11,341)
(1,980)(94)(2,074)
702999
20221231(12,814)(502)(13,316)
202211–(9)(9)––––––
20221231–(9)(9)
2022115,2715875,858
202212316,0854116,496
20211113,4941,47514,969
2,7791292,908
(98)(571)(669)
2021123116,1751,03317,208202111(9,100)(581)(9,681)
(1,883)(93)(1,976)7923731620211231(10,904)(437)(11,341)
202111–(9)(9)
––––––20211231–(9)(9)2021114,3948855,279
202112315,2715875,858
2022
(除特别注明外,以人民币百万元列示)
本行
20221114,03429014,3242,10542,109
(94)(40)(134)
2022123116,04525416,299
202211(9,458)(125)(9,583)(1,619)(30)(1,649)671380
20221231(11,010)(142)(11,152)
202211–(7)(7)––––––
20221231–(7)(7)
2022114,5761584,734
202212315,0351055,140
20211111,65871712,375
2,4391022,541
(63)(529)(592)
2021123114,03429014,324202111(7,898)(267)(8,165)
(1,608)(66)(1,674)
4820825620211231(9,458)(125)(9,583)
202111–(7)(7)
––––––20211231–(7)(7)2021113,7604434,203
202112314,5761584,734
2022
(1)
20222021
2,1412,210
(69)
2,2562,141
(2)
202212313.65202112313.21
20221231
20211231
20221231
20211231
113,53392,343109,77389,943
(881)(1,395)(53)(39)
112,65290,948109,72089,904
(1) 按性质分析
本集团
2022123120211231
(19,164)(4,993)(46,115)(11,538)
488,591121,921432,616107,959
20,6035,11118,2374,538
(25,920)(8,506)(26,222)(8,616)
464,110113,533378,51692,343
(2,646)(475)(6,059)(1,382)
(2,468)(406)
(361)(13)
(5,114)(881)(6,420)(1,395)
2022
(除特别注明外,以人民币百万元列示)
(1) 按性质分析(续)
本行
2022123120211231
(24,402)(6,071)(48,030)(11,924)
478,724119,642423,082105,759
19,0854,77416,9814,254
(24,542)(8,572)(22,756)(8,146)
448,865109,773369,27789,943
––
(34)(6)
(266)(53)
(141)(33)
(266)(53)
(175)(39)
(2) 递延所得税的变动情况
本集团
202211(12,920)107,9594,538(8,629)90,948
3,83813,962573(283)18,0903,614–––3,614
20221231(5,468)121,9215,111(8,912)112,652
202111(5,983)101,7823,801(8,201)91,399
(2,451)6,177737(428)4,035(4,486)–––(4,486)20211231(12,920)107,9594,538(8,629)90,948
202211(11,930)105,7594,254(8,179)89,9042,90413,883520(446)16,8612,955–––2,955
20221231(6,071)119,6424,774(8,625)109,720
202111(4,957)98,6753,477(7,263)89,932
(3,059)7,084777(916)3,886(3,914)–––(3,914)20211231(11,930)105,7594,254(8,179)89,904
2022
20221231
20211231
20221231
20211231
(1)
1,1811,3361,1191,231
1,4441,6481,1521,306
(2)25,97226,41615,99717,21220,72123,72417,45220,97612,54212,825––
9,38683,2689,38682,470
3,3272,5202,3192,434
2,1611,5691,5701,159
––38,25436,643(3)191,753185,793167,680157,042
267,306337,763253,810319,242
(891)(980)(753)(842)
(8,795)(5,670)(6,831)(4,457)
(9,686)(6,650)(7,584)(5,299)
257,620331,113246,226313,943
(1) 20221.6620213.76
(2) 使用权资产
20221143,5439843,6418,651548,705(4,500)(10)(4,510)
2022123147,69414247,836
202211(17,174)(51)(17,225)(7,707)(54)(7,761)3,112103,122
20221231(21,769)(95)(21,864)
20221126,3694726,416
2022123125,9254725,972
2022
(除特别注明外,以人民币百万元列示)
(2) 使用权资产(续)
20211138,6858038,765
9,955309,985(5,097)(12)(5,109)2021123143,5439843,641202111(12,745)(38)(12,783)
(8,013)(22)(8,035)3,58493,59320211231(17,174)(51)(17,225)20211125,9404225,9822021123126,3694726,416
20221130,2852430,3095,62375,630(3,613)(4)(3,617)
2022123132,2952732,322
202211(13,084)(13)(13,097)(5,784)(7)(5,791)2,55942,563
20221231(16,309)(16)(16,325)
20221117,2011117,212
2022123115,9861115,997
2022
(除特别注明外,以人民币百万元列示)
(2) 使用权资产(续)
20211126,9872127,008
7,61497,623(4,316)(6)(4,322)2021123130,2852430,309202111(10,096)(10)(10,106)
(6,080)(7)(6,087)3,09243,09620211231(13,084)(13)(13,097)20211116,8911116,9022021123117,2011117,212
(3) 2022123186.59
本集团
2022
125213––33813(8)––5
41440019–833
92114––206
637,338137,694(19,510)(51,434)704,08812(2)(a)34,2281,883657(1,886)34,882
–44––44
79044438(2)1,270
135––(2)133
9–––9
321–44–365
6,6505,20152(2,217)9,686
680,115145,985(18,700)(55,541)751,859
2022
(除特别注明外,以人民币百万元列示)
本集团(续)
20217298(173)––125
94––13831095–941410167(75)––9211556,063160,048(18,774)(59,999)637,33812(2)(a)20,23815,830(913)(927)34,22815491304–(5)790161––(1)–17135–––135189–––919377–(56)–321215,4354,302–(3,087)6,650
583,533180,335(19,743)(64,010)680,115
本行
2022
107207––314
13(8)––5
41040118–829
92114––206
621,988133,708(19,624)(47,999)688,073
12(2)(a)26,1821,319157(1,088)26,570
8,110562––8,672
393––(2)391
135––(2)133
7–––7
5,2994,500–(2,215)7,584
662,736140,803(19,449)(51,306)732,784
2022
(除特别注明外,以人民币百万元列示)
本行(续)
20217286(179)––107
94––13830695–941010167(75)––9211541,240157,767(17,883)(59,136)621,98812(2)(a)13,33612,897(51)–26,182138,110–––8,11015394––(1)393161––(1)–17135–––135187–––7213,8373,651–(2,189)5,299
567,828174,160(17,934)(61,318)662,736
20221231
20211231
20221231
20211231
732,001640,154732,001640,15434,88237,99234,88237,992
7,8966,8877,8966,887
774,779685,033774,779685,033
(1) 按交易对手类别分析
20221231
20211231
20221231
20211231
243,754219,393247,792220,592
2,326,6011,703,1972,305,7751,689,663
13,91610,33613,72510,341
2,584,2711,932,9262,567,2921,920,596
2022
(除特别注明外,以人民币百万元列示)
(2) 按交易对手所属地理区域分析
20221231
20211231
20221231
20211231
2,422,9671,773,8382,445,2491,789,837147,388148,752108,318120,418
13,91610,33613,72510,341
2,584,2711,932,9262,567,2921,920,596
(1) 按交易对手类别分析
20221231
20211231
20221231
20211231
314,867275,835226,232189,712
34,74722,29430,75718,153
2,1141,1461,578
351,728299,275258,567208,348
(2) 按交易对手所属地理区域分析
20221231
20211231
20221231
20211231
157,209156,88364,84569,677
192,405141,246192,144138,188
2,1141,1461,578
351,728299,275258,567208,348
20221231
20211231
20221231
20211231
28,27131,37228,27131,372274,861197,650274,462196,662
303,132229,022302,733228,034
20222021
2022
20221231
20211231
20221231
20211231
229,42220,768211,8942,154
7,4809,5652,2132,541
5,0122,764
–
241,91433,097214,4794,695
242,67633,900215,1805,477
20221231
20211231
20221231
20211231
6,726,7816,616,7846,670,2496,564,570
5,456,2844,920,7265,408,8974,875,571
12,183,06511,537,51012,079,14611,440,141
4,647,5353,949,4594,562,6403,869,589
7,790,6436,541,6547,670,2106,407,390
12,438,17810,491,11312,232,85010,276,979
399,564350,191398,349350,028
25,020,80722,378,81424,710,34522,067,148
20221231
20211231
20221231
20211231
(1)
187,43479,552187,43479,548
35,99638,26835,99838,268
22,92317,94422,92317,944
162,252191,702162,195190,972
408,605327,466408,550326,732
(2)19,57612,82419,47212,656
2022
(除特别注明外,以人民币百万元列示)
本集团
2022
27,71684,349(78,433)33,6323087,567(7,593)2826,9073,302(2,096)8,113(1)63715,861(15,699)79991812(72)858–7(7)–(2)4,51215,815(14,656)5,671
40,998126,913(118,556)49,355
202123,23079,673(75,187)27,716
2517,273(7,216)3085,7643,463(2,320)6,907
(1)59614,842(14,801)637
1,00512(99)918–5(5)–
(2)4,61413,159(13,261)4,512
35,460118,427(112,889)40,998
本行
2022
23,45274,765(69,249)28,968
2967,079(7,104)2716,4523,010(1,932)7,530(1)38714,668(14,625)430
91812(72)858–3(3)–(2)4,08316,426(15,156)5,353
35,588115,963(108,141)43,410
202119,42570,464(66,437)23,452
2386,823(6,765)2965,2923,174(2,014)6,452
(1)42013,722(13,755)387
1,00512(99)918
–3(3)–
(2)4,16714,195(14,279)4,083
30,547108,393(103,352)35,588
2022
(除特别注明外,以人民币百万元列示)
(1) 离职后福利
(a) 设定提存计划
2022
7329,460(9,707)485
45313(307)517215,776(5,625)872
1,49815,549(15,639)1,408
20215298,981(8,778)732
49318(322)458745,365(5,518)7211,45214,664(14,618)1,498
2022
7018,702(8,957)446
43299(292)505045,355(5,316)543
1,24814,356(14,565)1,039
20215188,319(8,136)701
48300(305)437104,925(5,131)5041,27613,544(13,572)1,248
2022
(除特别注明外,以人民币百万元列示)
(1) 离职后福利(续)
(b) 设定受益计划-补充退休福利
202220212022202120222021
5,0835,2665,9446,122(861)(856)
(23)(30)
(37)
––(37)
––(312)
(153)
(495)(521)(495)(521)––
4,6855,0835,2945,944(609)(861)
(i)
20221231
20211231
2.75%
2.75%
7.00%
7.00%
10.2
11.0
(2010-2013)(ii)
0.25%0.25%
(90)93
37(36)(iii) 202212317.820211231
8.0
2022
(除特别注明外,以人民币百万元列示)
(1) 离职后福利(续)
(b) 设定受益计划-补充退休福利(续)(iv)
20221231
20211231
4,1994,531
5,2945,944
(2)
20221231
20211231
20221231
20211231
71,07773,12870,06771,815
10,59110,66510,65510,025
2,5012,5492,2292,249
84,16986,34282,95184,089
20221231
20211231
20221231
20211231
(1)40,74234,51540,44634,084(2)10,08411,3887,8439,443
50,82645,90348,28943,527
(1) 预计负债-表外信贷业务预期信用损失变动情况
本集团
2022
20221128,1935,62070234,515
473(471)(2)–
(85)131(46)–
(2)(402)404–23,964––23,964(15,279)(4,248)(306)(19,833)(a)(3,707)4,9578462,096
2022123133,5575,5871,59840,742
2022
(除特别注明外,以人民币百万元列示)
(1) 预计负债-表外信贷业务预期信用损失变动情况(续)
本集团(续)
202120211126,4804,0091,34431,833 56(56)–– (112)141(29)– (1)(37)38–
19,758––19,758(16,691)(3,247)(728)(20,666)(a)(1,297)4,810773,590
2021123128,1935,62070234,515
本行
2022
20221127,7915,62067334,084
473(471)(2)–
(85)131(46)–
(2)(402)404–23,919––23,919(15,162)(4,248)(306)(19,716)(a)(3,630)4,9428472,159
2022123133,3045,5721,57040,446
2021
20211126,0364,0091,31531,360 56(56)–– (112)141(29)– (1)(37)38–
19,742––19,742(16,632)(3,247)(728)(20,607)(a)(1,298)4,810773,589
2021123127,7915,62067334,084
(a)(2)
2022
20221231
20211231
20221231
20211231
(1)1,023,084792,1121,019,345788,234(2)154,396141,86493,06472,202(3)7,99945,996–39,996(4)453,197337,358453,197337,358
8,1946,0477,2065,141
1,646,8701,323,3771,572,8121,242,931
(1)
2022
(除特别注明外,以人民币百万元列示)
(2) 已发行债券
20221231
20211231
20221231
20211231
18/11/201418/11/20244.08%
––13/06/201713/06/20222.75%–3,817––25/10/201725/10/20223.15%–
––09/11/201709/11/20223.93%–
––04/12/201704/12/20223.00%–2,544–2,54408/06/201808/06/2023
+0.83%4,1403,8174,1403,81719/06/201819/06/20234.01%
––12/07/201812/07/2023
+1.25%2,7602,545––21/08/201819/06/20234.005%
––16/05/201916/05/20243.50%2,9622,536––16/05/201916/05/20293.88%1,3801,272––26/06/201924/06/20220.21%–1,105–1,10526/08/201926/08/20223.30%–6,300––26/08/201926/08/20243.40%3,0003,000––11/09/201916/05/20243.50%1,9371,908––12/09/201912/08/2022
+0.68%–
––22/10/201922/10/20220.05%–3,600–3,60024/10/201924/10/2024
+0.77%4,6164,262––22/11/201922/11/20242.393%
––10/12/201910/11/2022
+0.88%–
––20/12/201920/06/2022
+0.63%–1,904–1,90416/03/202015/03/20232.68%7,0006,000––16/03/202015/03/20252.75%5,0005,000––19/03/202019/03/20222.95%–
–1,00421/07/202021/07/20251.99%3,0732,876––25/09/202025/09/20230.954%
––28/09/202028/09/20251.78%1,3801,272––28/09/202028/09/20302.55%
––27/10/202029/10/20233.50%20,00020,00020,00020,00003/11/202005/11/20233.70%2,6002,600––26/01/202126/01/20243.30%20,00020,00020,00020,00002/02/202104/02/20243.65%2,2402,240––07/04/202112/04/20243.55%2,2002,200––22/04/202122/04/20232.85%1,9971,9971,9971,99722/04/202122/04/20240.043%5,9095,7605,9095,76022/04/202122/04/20240.86%4,1403,8174,1403,81722/04/202122/04/20261.46%3,7953,4993,7953,49927/05/202101/06/20243.33%1,9501,950––28/06/202128/06/20240.06%5,9095,760––22/07/202122/07/20261.80%3,2762,690––15/09/202115/09/20261.60%2,4462,232––29/09/202129/09/20261.50%4,8254,453––
2022
20221231
20211231
20221231
20211231
21/12/202121/12/2024+0.50%3,4433,0783,4433,18017/05/202217/05/20253.125%6,900–6,900–17/05/202217/05/20243.40%1,000–1,000–23/05/202225/05/20252.60%10,000–10,000–13/06/202213/06/20242.85%1,795–1,795–12/12/202214/12/20252.92%10,000–10,000–
154,587141,99793,11972,227
(191)(133)(55)(25)
154,396141,86493,06472,202
(3) 已发行次级债券
20221231
20211231
20221231
20211231
20/11/201222/11/20274.99%(a)–40,000–40,00028/01/202101/02/20314.30%(b)6,0006,000––18/03/202222/03/20323.70%(c)2,000–––
8,00046,000–40,000
(1)(4)–(4)
7,99945,996–39,996
(a) 20221122(b) 202621(c) 2027322
(2) 已发行债券(续)
2022
(除特别注明外,以人民币百万元列示)
(4) 已发行合格二级资本债券
20221231
20211231
18/08/201418/08/20295.98%(a)20,00020,00025/09/201825/09/20284.86%(b)43,00043,00029/10/201829/10/20284.70%(c)40,00040,00027/02/201927/02/20294.25%(d)12,76511,76824/06/202024/06/20302.45%(e)13,80012,72310/09/202014/09/20304.20%(f)65,00065,00006/08/202110/08/20313.45%(g)65,00065,00006/08/202110/08/20363.80%(h)15,00015,00005/11/202109/11/20313.60%(i)35,00035,00005/11/202109/11/20363.80%(j)10,00010,00010/12/202114/12/20313.48%(k)12,00012,00010/12/202114/12/20363.74%(l)8,0008,00013/01/202221/01/20322.85%(m)13,800–15/06/202217/06/20323.45%(n)45,000–15/06/202217/06/20373.65%(o)15,000–03/11/202207/11/20323.00%(p)25,000–03/11/202207/11/20373.34%(q)15,000–
453,365337,491(168)(133)
453,197337,358
(a) 2024818(b) 2023925(c) 20231029(d) 20242272024227
51.88%(e) 20256242025624
52.15%(f) 2025914(g) 2026810(h) 2031810
2022
(除特别注明外,以人民币百万元列示)
(4) 已发行合格二级资本债券(续)
(i) 2026119(j) 2031119(k) 20261214(l) 20311214(m) 2027121(n) 2027617(o) 2032617(p) 2027117(q) 2032117
20221231
20211231
20221231
20211231
238,567208,711––
33,45825,16129,40925,016
33,08640,90529,70533,972(1)23,73323,74914,68115,652
17,12817,49216,58516,5728,9228,1788,9218,199
8,4305,80410,0077,6795,9206,4605,8226,416
4,8306,068
192,842209,021156,376160,913
566,916551,549271,645274,572
2022
(除特别注明外,以人民币百万元列示)
(1) 租赁负债
20221231
20211231
20221231
20211231
6,8378,9505,1048,231
14,55410,2209,7087,1426,6478,9412,3573,897
28,03828,11117,16919,270
23,73323,74914,68115,652
20221231
20211231
H240,417240,417A9,5949,594
250,011250,011
HA1
(1) 优先股
(a) 年末发行在外的优先股情况表
2017
20171221
3.57%100
60060,00060,000
(23)59,97720223.57%
2022
(除特别注明外,以人民币百万元列示)
(1) 优先股(续)
(b) 主要条款
201712275
5.125%
A
5.125%)
AAA
(1)(2)
(c) 发行在外的优先股变动情况表
20221120221231
201760059,977––60059,977
60059,977––60059,977
2022
(除特别注明外,以人民币百万元列示)
(2) 永续债
(a) 年末发行在外的永续债情况表
2019
201911134.22%10040040,0002022
20228293.20%10040040,000
(9)79,991
(b) 主要条款
(1)
(2)2019
5.125%
5.125%
(1)(2)2022
(1)(2)
2022
(除特别注明外,以人民币百万元列示)
(2) 永续债(续)
(b) 主要条款(续)
(c) 发行在外的永续债变动情况表
20221120221231
201940039,991––40039,991
2022––40040,00040040,000
40039,99140040,00080079,991
(3) 归属于权益工具持有者的相关信息
20221231
20211231
1.2,856,7332,588,231(1)2,716,7652,488,263(2)139,96899,968
4,5384,538
4,5384,5382.22,02725,891(1)22,02722,438(2)–3,453
20221231
20211231
20221231
20211231
135,653134,925134,826134,835
2022
(除特别注明外,以人民币百万元列示)
本集团
2022
2022
20221231
247(275)(28)(275)––(275)–
301(211)90(282)–71(211)–7193375233––33–
28,605(12,466)16,139(16,937)154,592(12,466)136
3,6953,1456,8404,194–(1,049)3,145–
20485505485––485–(12,249)8,744(3,505)8,712––8,744(32)
21,338(545)20,793(4,070)153,614(545)104
2022
(除特别注明外,以人民币百万元列示)
本集团(续)
20212021
20211231
272(25)247(25)––(25)–
764(463)301(617)–154(463)–
604115719115––115–
16,37212,23328,60517,538(564)(4,454)12,233287
3,1395563,695742–(186)556–
(300)32020320––320–(5,803)(6,446)(12,249)(6,445)––(6,446)115,0486,29021,33811,628(564)(4,486)6,290288
2022
(除特别注明外,以人民币百万元列示)
本行
2022
2022
20221231
247(275)(28)(275)––(275)
610(881)(271)(1,175)–294(881)7133374633––33
29,456(9,548)19,908(13,355)1593,648(9,548)
3,4642,9606,4243,947–(987)2,9609500509500––500(3,598)2,258(1,340)2,258––2,258
30,901(4,953)25,948(8,067)1592,955(4,953)
2022
(除特别注明外,以人民币百万元列示)
本行(续)
2021
2021
20211231
272(25)247(25)––(25)
1,341(731)610(975)–244(731)
598115713115––115
17,91511,54129,45615,916(367)(4,008)11,541
3,0144503,464600–(150)450
(316)3259325––325(1,065)(2,533)(3,598)(2,533)––(2,533)21,7599,14230,90113,423(367)(3,914)9,142
200621510%
2022
20221231
20211231
20221231
20211231
(1)431,095372,509431,095372,509(2)2,1242,124
(3)10,8676,290––
444,786381,621431,967373,381
(1) 2012
330[2012]20
1.5%
(2)(3)
2022623202120212021
910.04
20221028
4.75%28.502022111520194.22%
16.88
20233292022
(1) 20223,195.5910%319.562021
295.76
(2) 2022585.862021312.02
(3) 0.389972.5420210.364
910.04
2022
2022202120222021
39,17736,77539,00736,711
4,4959,6532,7986,096
8,9505,2459,8186,903
15,02412,89414,57612,544256,237225,706248,362218,428
440,582394,804425,544381,534
395,219365,833392,354362,891
10,2166,42410,2166,424
1,169,9001,057,3341,142,6751,031,531
(20,470)(20,384)(20,470)(20,384)
(48,330)(36,052)(47,844)(36,124)
(8,409)(4,937)(5,397)(1,833)
(1,520)(817)(377)(237)
(45,857)(31,483)(43,321)(28,965)
(178,832)(155,532)(175,856)(154,693)
(223,418)(202,709)(220,978)(201,140)
(526,836)(451,914)(514,243)(443,376)
643,064605,420628,432588,155
(1)
2022202120222021
4,8444,7704,8444,770
––
5,0214,8104,8444,770
(2)
2022
2022202120222021
36,56737,26536,49137,192
19,23119,28320,40320,23217,73817,28417,62816,88417,09821,14817,00021,02416,18518,5504,6659,83810,73111,65811,48010,38013,28013,44911,40411,841
130,830138,637119,071127,391
(6,288)(5,976)(6,270)(5,894)
(1,151)(1,277)(1,134)(1,258)
(7,306)(9,892)(6,843)(6,760)
(14,745)(17,145)(14,247)(13,912)
116,085121,492104,824113,479
2022202120222021
(432)
(348)
1,449
1,236
17,70522,47110,36312,886
(10,310)(11,763)(10,308)(11,771)(1)
4,634
4,6396,1355,9211,2161,327
1,2901,6412,6304,703
15,35223,9214,34012,672
(1) 20222021
45.33
(2)
2022202120222021
3,341
3,074
(12,692)3,262(5,678)8,333(620)(52)(620)(52)
(12,359)6,551(5,549)11,355
2022
2022202120222021
42,93944,148––6,0493,679
10,84811,7021,7481,580
59,83659,5292,2762,079
2022202120222021
84,34979,67374,76570,464
15,54914,66414,35613,544
7,5677,2737,0796,823
3,3023,4633,0103,174
15,81513,15916,42614,195
126,594118,238115,644108,204
22,10324,05520,82921,528
4,1114,1643,6563,440
2,9973,2053,0643,173
1,8891,8101,8301,763
2,7642,3082,7172,262
33,86435,54232,09632,166
3,2853,2402,8852,862
49,47652,84451,24252,646
213,219209,864201,867195,878
2022202120222021
139,741160,324135,755158,043
1,88315,8301,31912,897
2,143
1,897
6,1842,7046,3462,7324,588(11,377)3,881(12,034)
154,539167,949149,198161,964
2022
2022202120222021
2022202120222021
48,70646,972––
15,43312,1281,3881,458
64,13959,1001,3881,458
(1) 所得税费用
2022202120222021
77,39779,22873,53275,193
75,50977,13572,83674,309
1,0551,231
(456)(709)(514)(702)
(18,090)(4,035)(16,861)(3,886)
58,85174,48456,15770,605
25%16.5%
(2) 所得税费用与会计利润的关系
2022202120222021
382,017378,412375,716366,369
25%95,50494,60393,92991,592
(1,070)(89)(699)(192)(a)19,22228,51916,59026,331(b)(54,349)(47,840)(53,149)(46,424)
(456)(709)(514)(702)
58,85174,48456,15770,605
(a)(b)
2022
1(2008)本集团
20222021
(128)(120)
(118)(516)
(115)
(151)(56)
(171)
(181)
92010
2022
319,32312.27%1.281.28319,16512.26%1.281.28
2021297,97512.55%1.191.19298,15612.56%1.191.19
(1) 每股收益
20222021
323,861302,513
(4,538)(4,538)
319,323297,975
250,011250,011
1.28
1.19
(a)319,165298,156
1.28
1.19
2022202120222021
2022
(除特别注明外,以人民币百万元列示)
(1) 每股收益(续)
(a) 扣除非经常性损益后归属于本行普通股股东的净利润
20222021
319,323297,975
(158)
319,165298,156
(2) 净资产收益率
20222021
319,323297,9752,603,2812,374,719
12.27%
12.55%
319,165298,156
12.26%
12.56%
(1) 将净利润调节为经营活动的现金流量净额
2022202120222021
323,166303,928319,559295,764
154,539167,949149,198161,964
25,38827,29523,71424,390
(5,021)(4,810)(4,844)(4,770)
12,359(6,551)5,549(11,355)
(1,194)(1,603)(23)–
(6,135)(5,921)(1,216)(1,327)
2,869(348)2,622(1,415)
23,98119,40521,75717,062
(246,871)(236,164)(242,257)(230,963)
(251)(251)(89)(29)
(18,090)(4,035)(16,861)(3,886)
(3,144,414)(1,675,620)(3,234,259)(1,647,649)
3,857,6141,852,6783,848,9821,800,817
978,419436,718872,427399,083
2022
(除特别注明外,以人民币百万元列示)
(2) 现金及现金等价物净变动情况
2022202120222021
1,143,652805,6001,100,250773,752
(805,600)(878,931)(773,752)(822,616)
338,052(73,331)326,498(48,864)
(3) 现金及现金等价物
20221231
20211231
20221231
20211231
47,53448,61347,06148,154
771,473520,700765,451503,960
62,50662,69845,75242,00879,11158,45882,07953,574
183,028115,131159,907126,056
1,143,652805,6001,100,250773,752
证券借出交易
20221231
102.4023.442021123164.447.01信贷资产证券化
202212318,800.45202112319,635.01935.48202112311,000.36935.48202112311,000.3620221231150.0620211231
82.62135.072021123191.912022123127.432021123135.48
2022
“”“”
(1) 地区分部
–“”–“”–“”–“”–“”–“”
2022
(除特别注明外,以人民币百万元列示)
(1) 地区分部(续)
2022
173,920122,874120,917135,091125,92330,25192,71320,784822,473112,66599,06793,954111,297114,66227,07971,04913,291643,064
75,08565,27039,65072,62480,5102,984290,17016,771643,064
37,58033,79754,30438,67334,15224,095(219,121)(3,480)–20,23526,00818,60716,59813,6173,43214,6932,895116,085
580(1,975)4,97169179(66)10,83575915,352
189(60)355583––231041,194
––––––3193322(4,761)(543)(984)770(4,108)(299)(2,280)(154)(12,359)241239(139)(12)10051(1,614)1,62949544,960784,5086,3691,47354302,36459,836
(110,662)(55,525)(58,132)(66,822)(62,401)(18,264)(53,941)(14,783)(440,530)(1,489)(1,205)(1,382)(1,373)(1,446)(411)(660)(188)(8,154)(40,117)(27,007)(32,545)(33,581)(35,426)(11,811)(25,703)(7,029)(213,219)(17,086)(27,101)(21,244)(25,329)(25,307)(5,932)(27,578)(4,962)(154,539)
43(11)(57)(9)(18)–(391)(479)(51,974)(215)(2,950)(6,482)(213)(92)–(2,213)(64,139)
63,25867,34962,78568,26963,52211,98738,7726,001381,943
2441041652161624517621,015
(173)(117)(90)(158)(131)(47)(112)(113)(941)
63,32967,33662,86068,32763,55311,98538,6775,950382,017
2022
(除特别注明外,以人民币百万元列示)
(1) 地区分部(续)
2022
2,2531,2696,4282,1191,9468111,6143,21319,6533,9263,0064,2514,0534,0761,5863,60188925,388
20221231
5,920,2164,770,9737,683,4994,878,8725,174,2241,716,96212,411,5721,547,41244,103,730
1,9281,3159,1295,898––1,8232,60722,700
5,922,1444,772,2887,692,6284,884,7705,174,2241,716,96212,413,3951,550,01944,126,430
113,533(9,638,046)
34,601,917
5,839,0114,689,0527,458,0574,785,3075,105,1061,703,97010,351,9961,427,82341,360,322
(9,638,046)
31,723,157
692,583647,907661,165664,967533,895165,129–320,8813,686,527
2022
(除特别注明外,以人民币百万元列示)
(1) 地区分部(续)
2021166,784117,976118,095124,945130,90329,974114,94520,624824,246 102,01892,03189,460102,918107,99726,10571,99412,897605,420 70,09064,96038,43769,34275,4874,528269,32113,255605,420 31,92827,07151,02333,57632,51021,577(197,327)(358)– 19,90026,30220,52217,06014,5884,05416,3432,723121,492 1,193(909)4,968902(666)39615,8142,22323,921
27(27)673728–––2021,603
(5)–1–––4,638–4,634 (1,487)186606(1,295)7,399(638)5,606(3,826)6,551 18426712143153335,1421,3907,333 44,976992,4185,3171,43224465,21759,529
(106,379)(58,693)(53,450)(67,738)(64,818)(26,160)(46,500)(21,732)(445,470) (1,357)(1,211)(1,299)(1,336)(1,378)(412)(558)(240)(7,791) (31,527)(26,453)(32,348)(33,331)(36,002)(12,047)(21,694)(16,462)(209,864) (22,820)(30,808)(18,589)(27,365)(27,233)(13,610)(23,883)(3,641)(167,949) (80)(16)(109)(9)(2)(12)(356)(182)(766) (50,595)(205)(1,105)(5,697)(203)(79)(9)(1,207)(59,100)
60,40559,28364,64557,20766,0853,81468,445(1,108)378,776 2881371102272187269421,163 (224)(189)(161)(291)(323)(80)(120)(139)(1,527)
60,46959,23164,59457,14365,9803,80668,394(1,205)378,412
2022
(除特别注明外,以人民币百万元列示)
(1) 地区分部(续)
20212,3461,3672,4032,0932,0541,0184,9513,60619,8383,5703,0594,2624,2444,2301,6753,8232,43227,295
202112315,444,1194,291,5226,954,2394,369,6294,636,3471,530,96610,690,3681,405,89439,323,0841,5463746,3147,141––8002,70018,8755,445,6654,291,8966,960,5534,376,7704,636,3471,530,96610,691,1681,408,59439,341,959
92,343(9,180,323)30,253,979
5,368,0064,213,4536,813,0424,292,3324,563,9661,525,8398,765,7781,276,36936,818,785
1,395(9,180,323)27,639,857
611,802582,097643,588611,357493,263152,793–274,9943,369,894
2022
(除特别注明外,以人民币百万元列示)
(2) 业务分部
公司金融业务
个人金融业务资金资管业务
其他业务
2022
(除特别注明外,以人民币百万元列示)
(2) 业务分部(续)
2022
327,804427,22950,11317,327822,473
292,162329,0427,85514,005643,064
235,477182,352211,20314,032643,064
56,685146,690(203,348)(27)–
37,01551,80326,726541116,085
(2,404)2,68114,36371215,352
871185434(296)1,194
––3193322
(1,924)(4,978)(5,250)(207)(12,359)
(114)434(8)183495
3,06948,2476,4272,09359,836
(188,424)(210,869)(24,640)(16,597)(440,530)
(3,105)(2,906)(1,890)(253)(8,154)
(83,614)(111,054)(12,553)(5,998)(213,219)
(100,343)(41,635)(3,818)(8,743)(154,539)
(52)–(36)(391)(479)
(1,310)(55,274)(6,343)(1,212)(64,139)
139,380216,36025,473730381,943
550329281,015
(7)(6)(3)(925)(941)
139,378216,40425,502733382,017
2022
(除特别注明外,以人民币百万元列示)
(2) 业务分部(续)
2022
4,4436,1035498,55819,6538,90413,3851,1101,98925,388
20221231
13,064,4148,528,62412,436,293710,49834,739,82912,4331,7138,28626822,700
13,076,8478,530,33712,444,579710,76634,762,529
113,533(274,145)
34,601,917
12,772,54914,080,7593,532,4421,610,67131,996,421
(274,145)
31,723,157
2,251,6671,113,979–320,8813,686,527
2022
(除特别注明外,以人民币百万元列示)
(2) 业务分部(续)
2021325,387405,70570,24222,912824,246 288,807294,6726,23515,706605,420 221,420172,628195,28716,085605,420 67,387122,044(189,052)(379)– 36,92656,85426,6851,027121,492 6755,44416,83596723,921
97014702(83)1,603
9953,533106–4,634 (4,072)(985)10,2701,3386,551 345944,8051,9007,333 3,01749,1265,4121,97459,529
(206,336)(191,439)(35,232)(12,463)(445,470) (2,920)(2,833)(1,769)(269)(7,791) (85,347)(104,466)(14,314)(5,737)(209,864) (116,570)(33,905)(13,060)(4,414)(167,949) (119)(2)(465)(180)(766) (1,380)(50,233)(5,624)(1,863)(59,100)
119,051214,26635,01010,449378,776 24881,1051,163 (1)(15)(8)(1,503)(1,527)
119,052214,29935,01010,051378,412
2022
(除特别注明外,以人民币百万元列示)
(2) 业务分部(续)
2021
6,0078,2517424,83819,8389,63813,2361,1913,23027,295
2021123110,553,8858,297,89610,724,707781,75530,358,24310,4361,5307,515(606)18,87510,564,3218,299,42610,732,222781,14930,377,118
92,343(215,482)30,253,979
11,695,03412,113,7872,554,2341,490,88927,853,944
1,395(215,482)27,639,857
1,978,1761,116,724–274,9943,369,894
20221231
20211231
20221231
20211231
4,215,5943,852,5734,214,4653,851,443
4,215,5943,852,5734,214,4653,851,443
2022
(除特别注明外,以人民币百万元列示)
(1) 作为担保物的资产
2022123114,745.7014,477.622021123110,797.8210,542.01
(2) 收到的担保物
2022123120211231
(1) 信贷承诺
20221231
20211231
20221231
20211231
169,88565,62354,87854,572 1432,096350,767393,668312,629
1,150,4611,149,3061,113,9801,116,725
1,652,4421,565,6961,562,5261,483,926
481,269322,698481,269322,698
48,03048,12750,55358,780
1,286,2061,241,4731,282,1581,236,58644,86341,85844,03341,154
169,155143,941169,178143,707
4,5626,1014,5626,100
3,686,5273,369,8943,594,2793,292,951
2022
(除特别注明外,以人民币百万元列示)
(2) 信贷风险加权金额
20221231
20211231
20221231
20211231
1,186,2981,118,9081,158,9621,087,999
(3) 资本支出承诺
16.282021123157.81
(4) 证券承销承诺
2022123120211231
(5) 国债兑付承诺
20221231501.2020211231651.19
(6) 未决诉讼和纠纷
2022123186.062021123187.65
(7) 或有负债
(8) 《关于规范金融机构资产管理业务的指导意见》影响
2022
2022
(除特别注明外,以人民币百万元列示)
(1) 与母公司及母公司旗下公司的交易
200792915,500200312168,282.09
20221231
57.11%
80.0020211231460.00
(a) 与母公司的交易
20222021
1,0570.09%1,4380.14%
7130.14%2200.05%
––
10.00%
2022123120211231
14,0000.07%––
––
300.01%
22,9120.38%24,4440.47%
7,1550.36%14,4890.75%8,5440.03%52,2710.23%2880.01%2880.01%
2022
(除特别注明外,以人民币百万元列示)
(1) 与母公司及母公司旗下公司的交易(续)
(b) 与母公司旗下公司的交易
20222021
17,2561.47%18,2721.73%
5,1450.98%3,1840.70%
4980.38%3940.28%
440.30%
840.49%
3,35021.82%3,99716.71%(i)1,1400.53%1,0280.49%
2022123120211231
27,22914.69%25,12416.20%112,85826.27%52,38527.84%
5,11410.37%4,05412.85%87,1018.37%72,24413.16%
101,9870.50%82,0590.45%
116,61420.54%103,30118.94%
172,8512.88%158,5793.08%
230,72711.65%229,91811.84%(ii)146,4215.67%105,9695.48%
119,79734.06%111,13637.14%
30.00%
30.00%
6,32813.54%4,47714.29%
5,8962.43%1,8605.49%147,3470.59%75,3970.34%
10,2291.80%9,3661.70%9,0550.25%9,5810.28%(i)(ii)
2022
(除特别注明外,以人民币百万元列示)
(2) 本集团与联营企业和合营企业的往来
交易金额
20222021
资产负债表日重大交易的余额
20221231
20211231
1,8149,907
1,168
5,6896,940
(3) 本行与子公司的往来
4(1)(b)交易金额
20222021
1,8882,002
4,7603,053
9,5978,381
2022
(除特别注明外,以人民币百万元列示)
(3) 本行与子公司的往来(续)
资产负债表日重大交易的余额
20221231
20211231
4,6522,728114,033129,824
12,6258,244
1,3661,374
1,1221,273
13,82222,301
38,95737,792
22,97517,79126,03232,988
–
11,43212,3286,2115,8062022123151.6720211231
122.19
20221231
15.5815.1720211231
6.9312.65
(4) 本集团与企业年金和计划资产的交易
202220212022123134.21
2021123138.28288202112312,208
2022
(除特别注明外,以人民币百万元列示)
(5) 关键管理人员
20222021202212319602021123168420221231
3.14202112311.57
20221,730
20222022
2021202120212,241
(6) 董事、监事和高级管理人员贷款和垫款
2022
(除特别注明外,以人民币百万元列示)
风险管理体系
“”“”
(1) 信用风险
信用风险管理
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
信用风险管理(续)
(1)(j)
预期信用损失计量(A)
4(3)(f)(B)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
预期信用损失计量(续)(C)
(PD)(LGD)(EAD)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
预期信用损失计量(续)(D)
(E)
(GDP)(CPI)M2(PPI)
(GDP)2023GDP5%2023GDP
2022123120211231
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
预期信用损失计量(续)(F)
(a) 最大信用风险敞口
20221231
20211231
20221231
20211231
3,111,7622,715,2793,102,0692,695,577
185,380155,107153,12295,720
429,676188,162508,997292,067
49,30831,55047,75630,643
1,040,847549,0781,015,534535,423
20,495,11718,170,49220,071,83417,707,822
340,032280,217234,739194,953
5,992,5825,155,1685,894,4155,061,712
1,972,4041,934,0611,845,4181,821,336221,569295,753222,606290,091
33,838,67729,474,86733,096,49028,725,344
3,686,5273,369,8943,594,2793,292,951
37,525,20432,844,76136,690,76932,018,295
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(b) 发放贷款和垫款信贷质量分布分析
20221231
4,96028,50084,8083,73314,313162,138
8,69342,813246,946
20211231
1,74916,68667,9091,4459,649166,4803,19426,335234,389
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(b) 发放贷款和垫款信贷质量分布分析(续)
20221231
4,29128,12976,7003,46814,099156,664
7,75942,228233,364
20211231
1,47016,46955,1871,2459,596162,5832,71526,065217,770
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(c) 发放贷款和垫款按行业分布情况分析
2022123120211231
2,072,1669.77%596,0821,784,9059.49%569,004
2,059,3319.71%595,5091,873,9409.96%577,486
1,786,4248.43%434,2431,553,8518.26%426,494
1,139,2585.37%211,3771,009,1625.37%200,015
1,132,6005.34%606,268961,3535.11%503,282
888,3674.19%453,605837,7164.45%426,456
678,7103.20%272,666645,9873.43%263,172
532,1222.51%147,081454,6232.42%130,856
276,1781.30%16,629272,8331.45%16,953
111,8800.53%24,70899,5500.53%23,380
91,8190.43%19,19075,1670.40%17,994
58,7740.28%48656,1410.30%421
944,5434.47%280,998781,7994.16%247,202
11,772,17255.53%3,658,84210,407,02755.33%3,402,715
8,329,34439.29%6,853,8427,977,65042.42%6,704,6011,048,6514.95%–379,4692.02%–
49,0380.23%–43,6840.23%–
21,199,205100.00%10,512,68418,807,830100.00%10,107,316
202212312021123110%
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(c) 发放贷款和垫款按行业分布情况分析(续)
2022123120211231
2,045,7729.85%590,6821,754,6499.57%563,740
1,978,9219.53%589,5371,777,0179.69%564,398
1,738,7748.38%427,9101,506,2058.22%417,213
1,113,9745.37%597,168940,6915.13%494,466
1,106,3625.33%210,885979,1265.34%198,983
830,9114.00%422,301778,7734.25%398,029
668,5723.22%272,067628,5313.43%261,522
525,1652.53%145,908448,2032.45%129,682
267,8451.29%16,462260,3251.42%15,288
107,4120.52%24,61794,9280.52%23,285
91,0800.44%18,46074,4420.41%17,589
58,5320.28%29355,8820.30%327
885,7224.27%272,764709,7283.87%235,832
11,419,04255.01%3,589,05410,008,50054.60%3,320,354
8,244,16039.71%6,782,1577,898,63543.09%6,639,143
1,048,6515.05%–379,4692.07%–
48,0540.23%–43,2060.24%–
20,759,907100.00%10,371,21118,329,810100.00%9,959,497
202212312021123110%
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(d) 发放贷款和垫款按地区分布情况分析
2022123120211231
4,061,50019.16%2,253,5773,492,55518.57%2,094,0353,925,92118.52%2,074,7523,442,56518.30%1,977,7523,578,96516.88%1,548,6903,158,55816.79%1,497,010
3,534,46216.67%2,171,9343,137,52816.68%2,096,561
3,502,34716.52%1,909,4783,088,90716.43%1,869,718898,4744.24%380,965805,2414.28%387,189
942,1314.44%–900,5734.79%–706,3673.34%173,288738,2193.93%185,051
49,0380.23%–43,6840.23%–
21,199,205100.00%10,512,68418,807,830100.00%10,107,31620221231
64,260(54,965)(23,396)(39,332)57,581(57,291)(31,696)(37,683)41,120(65,155)(43,326)(25,144)40,967(53,623)(31,244)(25,944)37,465(72,993)(26,587)(22,257)26,620(13,127)(13,554)(18,183)13,541(20,237)(4,590)(12,122)11,271(2,166)(1,748)(7,725)
292,825(339,557)(176,141)(188,390)
20211231
68,992(51,547)(27,992)(46,083)41,805(49,895)(27,159)(26,074)37,963(59,233)(32,579)(24,098)37,532(54,458)(22,989)(21,850)32,286(63,241)(27,272)(19,689)30,672(12,260)(11,980)(21,792)12,046(16,648)(2,057)(10,325)4,775(2,925)(2,437)(2,755)266,071(310,207)(154,465)(172,666)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(d) 发放贷款和垫款按地区分布情况分析(续)
2022123120211231
4,052,51319.52%2,249,4613,476,36718.97%2,088,501
3,925,24418.91%2,074,0393,441,81218.78%1,976,9703,535,72017.03%2,173,1793,137,63617.12%2,098,141
3,500,32316.86%1,909,1703,083,15516.81%1,864,5593,451,99916.63%1,520,8603,020,98516.48%1,466,386942,1314.54%–900,5734.91%–897,6394.32%380,094804,3954.39%386,317
406,2841.96%64,408421,6812.30%78,623
48,0540.23%–43,2060.24%–
20,759,907100.00%10,371,21118,329,810100.00%9,959,497
20221231
64,260(54,965)(23,396)(39,332)57,151(57,246)(31,696)(37,539)40,295(65,155)(43,326)(24,929)37,406(51,481)(28,362)(23,012)36,046(72,826)(26,587)(21,777)25,750(13,127)(13,554)(17,484)13,541(20,237)(4,590)(12,122)
4,431(994)(1,194)(3,142)
278,880(336,031)(172,705)(179,337)
2021123163,636(51,536)(27,992)(45,866)37,510(47,327)(24,719)(22,830)37,131(59,233)(32,579)(23,884)36,532(54,459)(22,989)(21,850)32,144(62,850)(27,032)(19,689)29,801(12,260)(11,980)(21,093)12,046(16,648)(2,057)(10,325)312(1,329)(1,344)(117)249,112(305,642)(150,692)(165,654)
55(1)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(e) 发放贷款和垫款按担保方式分布情况分析
20221231
20211231
20221231
20211231
8,053,0486,295,6097,886,7326,114,273
2,584,4352,361,2212,453,9102,212,8348,972,4228,589,0618,852,4578,469,833
1,540,2621,518,2551,518,7541,489,664
49,03843,68448,05443,206
21,199,20518,807,83020,759,90718,329,810
(f) 已重组贷款和垫款
2022123120211231(g) 信用风险敞口
20221231
20,166,753158,557–20,325,310
–532,032–532,032––292,825292,825
20,166,753690,589292,82521,150,167
(339,557)(176,141)(188,390)(704,088)
(2,610)(553)–(3,163)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(g) 信用风险敞口(续)
20211231
17,902,31988,858–17,991,177
–503,137–503,137––266,071266,07117,902,319591,995266,07118,760,385
(310,207)(154,465)(172,666)(637,338)
(900)(216)–(1,116)
“”“”“”2022123120211231“”
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(g) 信用风险敞口(续)
20221231
7,858,619––7,858,619
15,8551,740–17,595
––19,94319,943
7,874,4741,74019,9437,896,157
(17,782)(199)(16,901)(34,882)
(5,544)(42)(372)(5,958)
20211231
6,985,424455–6,985,879
18,3376,255–24,592––18,37018,3707,003,7616,71018,3707,028,841
(17,737)(1,427)(15,064)(34,228)
(3,640)(101)(70)(3,811)
“”“”“”
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(g) 信用风险敞口(续)
20221231
1,653,033––1,653,033
––––––––
1,653,033––1,653,033
(1,377)––(1,377)
20211231
874,53916,250–890,789––––––––874,53916,250–890,789
(564)(67)–(631)
“”“”“”
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(g) 信用风险敞口(续)
20221231
19,762,641147,756–19,910,397
–522,576–522,576––278,880278,880
19,762,641670,332278,88020,711,853
(336,031)(172,705)(179,337)(688,073)
(2,610)(553)–(3,163)
20211231
17,470,55874,719–17,545,277
–490,822–490,822––249,112249,11217,470,558565,541249,11218,285,211
(305,642)(150,692)(165,654)(621,988)
(900)(216)–(1,116)
2022123120211231
“”
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(g) 信用风险敞口(续)
20221231
7,653,192––7,653,192
1041,146–1,250––10,17810,178
7,653,2961,14610,1787,664,620
(17,497)(170)(8,903)(26,570)
(5,403)––(5,403)
20211231
6,801,521––6,801,521
954,026–4,121––10,67710,6776,801,6164,02610,6776,816,319
(17,507)(916)(7,759)(26,182)
(3,500)(3)–(3,503)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(g) 信用风险敞口(续)
20221231
1,675,090––1,675,090
––––––––
1,675,090––1,675,090
(1,349)––(1,349)
20211231
905,81716,250–922,067
––––––––905,81716,250–922,067
(542)(67)–(609)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(h) 应收同业款项交易对手评级分布分析
20221231
20211231
20221231
20211231
––––––––
––––
– AAAA1,157,286634,6091,105,255679,982 – BBBB1,208
1,208
494,539255,788568,627241,694
4,2472,1893,9121,752
1,657,280892,9781,679,002923,819
(1,377)(631)(1,349)(609)
1,655,903892,3471,677,653923,210
1,655,903892,3471,677,653923,210
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(i) 债权投资评级分布分析
20221231
AAAAAAA
878–––1491,027
14,628–2,004–3,09619,728
15,506–2,004–3,24520,755
(16,901)
3,854
2,440,5083,787,3109,417278,17019,1026,534,507
11,2082,30032,0497471,13447,438
769,3105,5611,58543,655–820,111
143,175277,27711,18454,98312,293498,912
64,996306,8157,59834,6924,076418,177
3,429,1974,379,26361,833412,24736,6058,319,145
(17,981)
8,301,164
8,305,018
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(i) 债权投资评级分布分析(续)
20211231AAAAAAA 534––––534 17,156–––1,50918,665
17,690–––1,50919,199
(15,064)4,135 2,330,9113,390,8748,59026,48915,8065,772,670 27,8904,0609,5041,14650643,106 751,47274450521,706–774,427 121,422226,8269,96941,37910,854410,450 23,637306,94429,67518,4415,125383,822
3,255,3323,929,44858,243109,16132,2917,384,475
(19,164)7,365,3117,369,446
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(i) 债权投资评级分布分析(续)
20221231
AAAAAAA
345––––345
8,009–918–1,56710,494
8,354–918–1,56710,839
(8,903)
1,936
2,425,4033,762,0876,491258,51511,9666,464,462
8,6882,3008,649––19,637
741,883–1,58531,531–774,999
129,617226,4569,72047,3134,523417,629
854284,5245,91821,806474313,576
3,306,4454,275,36732,363359,16516,9637,990,303
(17,667)
7,972,636
7,974,572
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(i) 债权投资评级分布分析(续)
20211231AAAAAAA 318––––318 10,993––––10,993
11,311––––11,311
(7,759)3,552 2,294,3333,386,3707,25521,01310,5905,719,561 4,4894,0607,829––16,378 708,433–50518,194–727,132 119,840201,9279,39631,2624,202366,627 2,128239,77712,4958,351423263,174
3,129,2233,832,13437,48078,82015,2157,092,872
(18,423)7,074,4497,078,001
(j) 本集团衍生工具的信用风险(k) 结算风险
(l) 敏感性分析(i)
2022
(除特别注明外,以人民币百万元列示)
(1) 信用风险(续)
(l) 敏感性分析(续)
(i)
20221231
478,21937,479515,698
23,5481923,567
20211231
434,10630,566464,672
21,3971,50822,905
(ii)
(GDP)20221231(GDP)10%5%202112315%)
(2) 市场风险
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(“VaR”)
(a) 风险价值分析
VaRVaR99%
VaR
2022
1231
190144198100
56306319 (i)182139193103
1324–
20211231
151160196127 35538930 (i)155163203110 1945–(i)
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(a) 风险价值分析(续)
99%1%
VaR VaR
VaRVaR(b) 利息净收入敏感性分析
100629.3120211231534.53
806.7020211231768.05
(c) 利率风险
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(c) 利率风险(续)
20221231
331155
85,2153,070,0464,035––3,159,296–442,840170,0982,118–615,056–1,038,3742,473––1,040,847(i)30,9289,330,94310,240,194614,956278,09620,495,117(ii)267,011305,192859,2132,714,0044,417,4298,562,849728,752––––728,752
1,111,90614,187,39511,276,0133,331,0784,695,52534,601,917
–195,960578,080739–774,779
–2,607,079277,12246,1575,6412,935,999
28,619210,14064,373––303,132–236,2785,460938–242,67681,07015,456,0394,158,1085,320,9644,62625,020,807–418,383721,843441,60465,0401,646,870798,894––––798,894
908,58319,123,8795,804,9865,810,40275,30731,723,157
203,323(4,936,484)5,471,027(2,479,324)4,620,2182,878,760
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(c) 利率风险(续)
2021123133115592,7642,671,128–––2,763,892
–256,01578,3378,917–343,269–547,9511,127––549,078(i)33,7149,380,4478,164,164317,673274,49418,170,492(ii)296,965243,755698,4782,824,7253,596,8717,660,794
766,454––––766,4541,189,89713,099,2968,942,1063,151,3153,871,36530,253,979
–147,144536,5931,296–685,033 –1,784,317319,449122,2996,1362,232,201 32,048145,12351,851––229,022
–26,8635,4351,602–33,900108,04914,679,6343,209,9474,371,5349,65022,378,814
–270,848589,201428,44434,8841,323,377757,510––––757,510897,60717,053,9294,712,4764,925,17550,67027,639,857
292,290(3,954,633)4,229,630(1,773,860)3,820,6952,614,122
(i) 320221231592.8820211231263.72(ii)
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(c) 利率风险(续)
20221231
331155
84,4543,060,6414,035––3,149,130
–400,931177,37783,811–662,119–1,013,0612,473––1,015,534(i)29,5409,017,86610,179,670590,749254,00920,071,834
(ii)137,627277,854804,6022,607,4574,296,4998,124,039667,162––––667,162
918,78313,770,35311,168,1573,282,0174,550,50833,689,818
–195,960578,080739–774,779
–2,548,643242,08035,136–2,825,859
28,271210,08964,373––302,733–212,7231,748709–215,18075,44915,215,9914,102,2455,312,8513,80924,710,345–401,463716,726391,63962,9841,572,812491,676––––491,676
595,39618,784,8695,705,2525,741,07466,79330,893,384
323,387(5,014,516)5,462,905(2,459,057)4,483,7152,796,434
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(c) 利率风险(续)
2021123133115592,0992,651,632–––2,743,731
–223,324140,26123,949253387,787–535,423–––535,423(i)26,3449,046,6328,093,182291,615250,04917,707,822(ii)158,807202,337659,0902,738,3923,522,3617,280,987
707,181––––707,181984,43112,659,3488,892,5333,053,9563,772,66329,362,931
–147,144536,5931,296–685,033 –1,712,905289,271126,768–2,128,944 31,372144,81151,851––228,034
–1,7682,3291,380–5,477106,01914,409,1873,180,5554,362,9308,45722,067,148
–260,889577,538371,51332,9911,242,931467,985––––467,985605,37616,676,7044,638,1374,863,88741,44826,825,552
379,055(4,017,356)4,254,396(1,809,931)3,731,2152,537,379
(i) 320221231552.3020211231243.02(ii)
(d) 货币风险
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(d) 货币风险(续)
20221231
2,950,769140,55467,9733,159,296
378,413210,32526,318615,0561,032,9984,1423,7071,040,84719,679,541449,561366,01520,495,117
(i)8,258,394182,763121,6928,562,849
625,16567,35136,236728,752
32,925,2801,054,696621,94134,601,917
739,69715,60519,477774,7792,603,922226,326105,7512,935,999
288,17314,811148303,132
224,3069,5618,809242,67624,191,115557,359272,33325,020,807
1,410,432172,77763,6611,646,870
741,14531,15126,598798,894
30,198,7901,027,590496,77731,723,157
2,726,49027,106125,1642,878,760
79,464(3,525)(73,124)2,815
3,173,066333,509179,9523,686,527
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(d) 货币风险(续)
202112312,555,029109,83699,0272,763,892216,589111,93514,745343,269543,2661,2274,585549,07817,311,609500,076358,80718,170,492(i)7,405,981151,148103,6657,660,794
714,55130,29821,605766,45428,747,025904,520602,43430,253,979
646,99516,28221,756685,0331,939,907185,500106,7942,232,201 215,89812,928196229,022
19,4027,6206,87833,90021,600,365505,290273,15922,378,8141,065,825182,54275,0101,323,377
731,3257,49518,690757,51026,219,717917,657502,48327,639,857
2,527,308(13,137)99,9512,614,122
15,573(8,465)8,32015,428
2,899,810317,734152,3503,369,894(i) 60(2)(c)(ii)
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(d) 货币风险(续)
20221231
2,947,580140,28861,2623,149,130
440,693190,49630,930662,1191,011,3924,142–1,015,53419,543,523364,188164,12320,071,834
(i)7,896,734154,69172,6148,124,039
602,87936,97127,312667,162
32,442,801890,776356,24133,689,818
739,69715,60519,477774,7792,560,472186,10479,2832,825,859
288,03114,6993302,733
211,4205723,188215,18024,131,252464,794114,29924,710,345
1,377,093143,27352,4461,572,812
448,87128,45314,352491,676
29,756,836853,500283,04830,893,384
2,685,96537,27673,1932,796,434
79,8053,479(80,509)2,775
3,160,758314,771118,7503,594,279
2022
(除特别注明外,以人民币百万元列示)
(2) 市场风险(续)
(d) 货币风险(续)
202112312,550,753109,20583,7732,743,731256,968104,23726,582387,787534,1961,227–535,42317,152,855405,261149,70617,707,822(i)7,084,923127,64468,4207,280,987
681,19913,22412,758707,18128,260,894760,798341,23929,362,931
646,99516,28221,756685,0331,882,164159,72487,0562,128,944 215,35012,6822228,034
1,7681,1682,5415,47721,543,641423,365100,14222,067,148
1,029,409150,80762,7151,242,931455,5871,98510,413467,98525,774,914766,013284,62526,825,552
2,485,980(5,215)56,6142,537,379
8,399431(4,606)4,224
2,893,730303,64695,5753,292,951(i) 60(2)(c)(ii)
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(a) 剩余到期日分析
20221231
2,339,027814,971–1,2634,035––3,159,296–61,491294,13386,980170,1942,258–615,056––1,038,2511232,473––1,040,847122,3611,026,785527,3781,095,7664,400,7355,125,1038,196,98920,495,117
219,27414,1836,49726,20868,27550,173183,106567,716
––17,43789,093455,1711,727,0443,703,8375,992,582
7,447–46,55589,603339,708961,998534,5401,979,851
22,700––––––22,700332,594107,73740,26368,77857,14527,46394,772728,752
3,043,4032,025,1671,970,5141,457,8145,497,7367,894,03912,713,24434,601,917
––124,17371,787578,080739–774,779
–2,177,349231,964189,033278,54950,6378,4672,935,999
–14,587133,77590,39764,373––303,132––232,0074,2715,460938–242,67612,403,4321,780,1981,302,1044,092,7105,434,7847,57925,020,807––123,391273,087728,747456,60565,0401,646,870
89,105171,68873,16970,298258,35125,119111,164798,894
89,10514,767,0562,698,6772,000,9776,006,2705,968,822192,25031,723,157
2,954,298(12,741,889)(728,163)(543,163)(508,534)1,925,21712,520,9942,878,760
––155,091124,077198,561163,94012,890654,559
––576,792778,0751,237,27692,3291,0492,685,521
––46,99237,04441,1362,469–127,641
––778,875939,1961,476,973258,73813,9393,467,721
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(a) 剩余到期日分析(续)
20211231
2,190,555572,204691,064–––2,763,892
–71,254126,97148,86279,63916,393150343,269––547,0828691,127––549,078100,956884,299495,811896,2533,345,3444,597,7687,850,06118,170,492
252,23016,35514,43110,82850,38951,402149,638545,273
––26,80053,163385,7561,780,0892,909,3605,155,168
7,417–22,86083,094265,3341,019,288543,4851,941,478
18,875––––––18,875311,675162,62125,33753,92578,22734,99199,678766,4542,881,7081,706,7331,259,3611,148,0584,205,8167,499,93111,552,37230,253,979
––104,51142,633536,5931,296–685,033
–1,488,343126,724144,477324,690138,9818,9862,232,201
–20,01968,33388,68851,982––229,022––23,0583,8055,4351,602–33,900–11,691,2501,459,7611,215,5853,444,1694,556,56311,48622,378,814––110,206130,319601,183446,78534,8841,323,37712,783228,64177,72860,820243,16122,375112,002757,51012,78313,428,2531,970,3211,686,3275,207,2135,167,602167,35827,639,857
2,868,925(11,721,520)(710,960)(538,269)(1,001,397)2,332,32911,385,0142,614,122
––75,411129,524194,142170,00215,023584,102
––956,826859,5691,254,797111,2141,1613,183,567
––33,10433,14061,9351,959–130,138––1,065,3411,022,2331,510,874283,17516,1843,897,807
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(a) 剩余到期日分析(续)
20221231
2,335,358808,476–1,2614,035––3,149,130–46,142263,47091,225177,47183,811–662,119––1,013,061–2,473––1,015,534116,272912,861506,9461,077,9024,367,2175,012,9648,077,67220,071,834
24,590–8,98623,52557,6779,195135,356259,329
––16,49585,679444,7391,697,2543,650,2485,894,415
17,883–41,30078,135308,678906,031511,2741,863,301
91,808––––––91,808
–42424518114,732–15,186311,20189,54839,22363,92054,37315,64793,250667,162
2,897,1121,857,0311,889,5051,421,8925,416,8447,739,63412,467,80033,689,818
––124,17371,787578,080739–774,779
–2,191,754202,048153,614243,27735,166–2,825,859
–14,239133,72490,39764,373––302,733
––211,4671,2561,748709–215,180
12,296,2041,719,5961,225,7274,036,4885,425,7196,61124,710,345
––123,256265,217720,866400,48962,9841,572,81284,818159,66445,94723,09652,17120,178105,802491,676
84,81814,661,8612,560,2111,831,0945,697,0035,883,000175,39730,893,384
2,812,294(12,804,830)(670,706)(409,202)(280,159)1,856,63412,292,4032,796,434
––154,173123,359197,338161,13811,959647,967
––548,552751,6491,218,29180,3052472,599,044
––34,00236,50840,9572,469–113,936
––736,727911,5161,456,586243,91212,2063,360,947
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(a) 剩余到期日分析(续)
20211231
2,187,595555,005691,062–––2,743,731
–42,376111,33768,965140,41024,446253387,787––535,423––––535,42390,915880,466441,127859,1433,288,2824,421,8787,726,01117,707,822 43,330–5,5387,35237,77411,324132,965238,283
––22,82950,336372,5741,748,4852,867,4885,061,712
24,233–18,44460,778247,955975,222518,9371,845,569
86,692––––––86,692 2,5495438,2045,5834,94123,4323,47948,731
297,822153,79924,27049,84073,19710,32197,932707,1812,733,1361,632,1891,167,2411,103,0594,165,1337,215,10811,347,06529,362,931
––104,51142,633536,5931,296–685,033 –1,496,571100,936112,165291,272128,000–2,128,944 –19,34368,02188,68851,982––228,034
––1,700682,3291,380–5,477
–11,589,0361,380,5971,122,0953,416,0424,549,08510,29322,067,148
––110,084129,752588,474381,63032,9911,242,9319,482219,85248,61116,18449,21118,050106,595467,9859,48213,324,8021,814,4601,511,5854,935,9035,079,441149,87926,825,552
2,723,654(11,692,613)(647,219)(408,526)(770,770)2,135,66711,197,1862,537,379
––74,932125,899192,401169,69514,740577,667 ––942,654828,3291,234,123105,1212603,110,487 ––26,08727,27959,338747–113,451
––1,043,673981,5071,485,862275,56315,0003,801,605
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(b) 未折现合同现金流量分析
20221231
774,779786,545–124,96772,188588,651739–
2,935,9992,948,0082,177,349232,251190,172283,58155,2119,444
303,132303,13414,587133,77690,39864,373––242,676242,952–232,0804,3025,5571,013–25,020,80725,833,75712,413,7181,784,6871,338,1784,316,4305,971,8628,8821,646,8701,750,474–125,796280,227760,201508,29475,956530,608534,91396,87058,66548,949215,69614,553100,180
31,454,87132,399,78314,702,5242,692,2222,024,4146,234,4896,551,672194,462
1,652,4421,158,8646,76516,050121,786165,119183,858
2,034,085496281,882253,671915,139534,17148,726
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(b) 未折现合同现金流量分析(续)
20211231
685,033697,170–104,68542,789548,4001,296– 2,232,2012,248,1841,488,343126,969145,129330,476147,3939,874 229,022229,20720,01968,46588,74151,982––
33,90033,917–23,0683,8065,4331,610–22,378,81423,096,25511,691,6851,485,9291,271,1433,618,0965,015,20914,1931,323,3771,396,212–110,218131,079623,054490,51141,350
515,632519,99477,89564,25746,874212,31910,220108,42927,397,97928,220,93913,277,9421,983,5911,729,5615,389,7605,666,239173,846
1,565,6961,156,4715,60716,76891,409142,090153,351
1,804,198780468,935145,106549,280584,66855,429
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(b) 未折现合同现金流量分析(续)
20221231
774,779786,545–124,96772,188588,651739–
2,825,8592,833,0142,191,754202,212154,427247,23637,385–
302,733302,73514,239133,72590,39864,373––215,180215,258–211,5221,2621,764710–24,710,34525,514,71712,299,7831,724,0131,261,2064,259,4705,962,3977,8481,572,8121,667,755–125,758272,132751,339444,78073,746239,092241,58090,99832,7332,63311,0179,70994,490
30,640,80031,561,60414,596,7742,554,9301,854,2465,923,8506,455,720176,084
1,562,5261,121,0075,48714,131101,120139,564181,217
2,031,753400281,818253,227911,908535,70948,691
2022
(除特别注明外,以人民币百万元列示)
(3) 流动性风险(续)
(b) 未折现合同现金流量分析(续)
20211231
685,033697,170–104,68542,789548,4001,296– 2,128,9442,140,5891,496,571100,966112,455295,796134,801– 228,034228,21919,34368,15388,74151,982––
5,4775,479–1,701682,3261,384–22,067,14822,783,89011,589,4711,406,7391,177,5383,589,7345,007,45512,9531,242,9311,310,353–110,152130,386609,393421,16939,253
243,752247,37077,07636,2573,24721,9937,142101,65526,601,31927,413,07013,182,4611,828,6531,555,2245,119,6245,573,247153,861
1,483,9251,122,2025,21915,84973,469117,104150,082
1,809,026567468,740144,230552,603587,49455,392
2022
(除特别注明外,以人民币百万元列示)
(4) 操作风险
2022III
III
(5) 金融工具的公允价值
(a) 估值流程、技术和参数
2021(b) 公允价值层级
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(i)
20221231
–49,2971149,308
–1,048,651–1,048,651
4,589136,100–140,689
281726–1,007
–32,45726,33958,796
220137,5132,814140,547
20,87869,059136,740226,677
198,7061,773,698–1,972,404
1,936–5,5117,447
226,6103,247,501171,4153,645,526
–302,784348303,132–46,7361146,747
–349,520359349,879
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)(i)
20211231–31,5321831,550
–3,761–3,761
–379,469–379,469 1,175122,682–123,857 405526–931
–3,68815,92519,613
268135,0581,421136,747 16,16798,053149,905264,125 160,9411,772,8562641,934,061
2,158–5,2597,417
181,1142,547,625172,7922,901,531
–228,346676229,022
–31,3051831,323–259,651694260,345
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)(i)
20221231
–47,7451147,756
–1,048,651–1,048,651
2,43392,986–95,419
–461,4061,452
–136,3871,481137,868
10,0768,0756,43924,590
142,8031,702,615–1,845,418
1,76712,3443,77217,883
157,0793,048,84913,1093,219,037
–302,733–302,733–45,3171145,328
–348,05011348,061
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)(i)
20211231–30,6251830,643
–1,393–1,393
–379,469–379,469 24558,025–58,270
–851,3281,413
–133,7821,488135,270 4,96322,74815,61943,330 110,9481,710,388–1,821,336
1,80718,8053,62124,233
117,9632,355,32022,0742,495,357
–228,034–228,034
–30,1521830,170
–258,18618258,204
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)(i)
(ii)
2022
2022111815,9251,421149,9052645,259172,792(676)(18)(694)
(5)2,023352(3,986)––(1,616)(238)5(233)
––––123446––––17,9391,15921,755–21841,071(13)–(13)
(2)(9,548)(118)(30,934)(276)–(40,878)5792581
202212311126,3392,814136,740–5,511171,415(348)(11)(359)
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)(ii)
2021
2021113717,83313,18157137,2594304,687173,484(2,106)(37)(2,143) (17)(31)(982)(7)3,324––2,28756517582
–––––(5)(478)(483)–––
––5,9311,48230,9702541,05039,687(569)–(569)
(2)(17,802)(2,205)(111)(21,648)(415)–(42,183)1,43421,4362021123118–15,9251,421149,9052645,259172,792(676)(18)(694)
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)
(ii)
(2022
202211181,3281,48815,6193,62122,074(18)(18)
(5)(14)61(2,765)–(2,723)55
––––(28)(28)–––921037421791,116––
(2)–(171)(7,157)–(7,330)22
20221231111,4061,4816,4393,77213,109(11)(11)
2021
2021113717,8331741,0839,7372,82931,693(37)(37) (17)(31)11495,491–5,5031717 –––––(232)(232)––
––1,1439601,8231,0244,950––
(2)(17,802)–(604)(1,432)–(19,840)222021123118–1,3281,48815,6193,62122,074(18)(18)
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(c) 以公允价值计量的金融工具(续)
(ii)
20222021
1,797(3,646)(1,849)2,831382,86920222021
295(3,013)(2,718)8124,7085,520(d) 不以公允价值计量的金融工具(i)
2022123120211231
2022
(除特别注明外,以人民币百万元列示)
(5) 金融工具的公允价值(续)
(d) 不以公允价值计量的金融工具(续)(i)
2022123120211231
5,992,5826,155,83421,6575,964,749169,4285,155,1685,298,69724,7645,102,239171,694
5,992,5826,155,83421,6575,964,749169,4285,155,1685,298,69724,7645,102,239171,694
2022123120211231
5,894,4156,047,66318,6985,917,414111,5515,061,7125,196,09019,8385,063,814112,438
5,894,4156,047,66318,6985,917,414111,5515,061,7125,196,09019,8385,063,814112,438(ii)
20221231
4,655.374,572.234,668.284,585.35
(6) 金融资产与金融负债的抵销
20221231
2022
(除特别注明外,以人民币百万元列示)
(7) 保险风险
(8) 资本管理
2013115%
6%8%
201420204
2022
(除特别注明外,以人民币百万元列示)
(8) 资本管理(续)
20221231
20221231
20211231
(a)(b)(c)
13.69%
13.59%
(a)(b)(c)
14.40%
14.14%
(a)(b)(c)
18.42%
17.85%
250,011250,011
134,965134,237
337,527305,571
444,428381,282
1,528,3561,392,515
3,8674,027 (d)21,74521,934 (e)2,0621,947 (e)5,5785,137
(170)
6,9706,970
139,96899,968
453,197353,341 (f)340,537323,254
(g)2,706,4592,475,462(g)2,846,5332,575,528(g)3,640,4383,252,282(h)19,767,83418,215,893
2022
(除特别注明外,以人民币百万元列示)
(8) 资本管理(续)
(a) 2014(b)(c)(d)(e)(f) 2014(g)(h)
20233242026100.003
2.80%2023328200.0050.001053.49%150.0015103.61%
2022
(“”)(“”)2006215“”)“”)
202220221231
2022148.96%1231127.88%
2022
15,274,586212,441,2781,107,33732,735,357136,74549,705,921970,592511,979,9363,895,32167,888,3351,959,76773,950,2851,794,2388141,316141,31691,887101,979,184264,3311175,43475,434123,7253,725131,900,025185,17214358–154,563,183600,937
5,869,81317984,703983,997182,025,2831,256,7181997,37785,878
3,107,3632,326,593
5,274,586
3,543,22023(%)
148.96
1. 92
2022
20222022
<66-12≥1<66-12≥1
–––3,313,9753,313,975–––3,209,6903,209,690
–––3,313,9753,313,975–––3,209,6903,209,690
––––––––––
6,647,4176,751,61483,9781,044,44613,330,5586,460,3016,641,87988,238985,98813,001,511
3,005,86115,3306,9077,7672,884,4582,860,81714,8437,2747,9682,746,756
3,641,5566,736,28477,0711,036,67910,446,1003,599,4846,627,03680,964978,02010,254,755
7,784,2635,862,9811,228,731714,2727,250,3908,001,2046,096,6711,260,767620,8867,439,908
7,626,502129,61484,5271793,920,5017,816,362144,89318,3471163,989,916
157,7615,733,3671,144,204714,0933,329,889184,8425,951,7781,242,420620,7703,449,992
––––––––––
–683,116125,916358,492373,453–570,76593,486269,819217,277
47,99799,285
–683,116125,916310,495373,453–570,76593,486170,534217,277
1424,268,37623,868,386
2,135,3031,900,205
51,59055,5702,4009,28364,32248,01434,4075,6445,12849,400
929,0625,326,9342,559,28214,246,48915,840,131935,5925,162,5072,829,35314,062,33615,755,276
–950,265––142,540–1,024,7614,994–156,211
–1,046,387278,773123,883434,607–939,098300,976133,786435,716
905,9743,067,7042,070,6327,713,3649,566,586914,5482,945,1502,300,8817,524,9489,471,49321 35%–66,06519,20659,90581,574–68,86214,96526,21358,952
–179,969183,9226,153,7255,412,612–182,377186,8196,172,4065,431,14323 35%––––––––––
23,08882,60925,955255,517283,78621,04471,12135,683231,196260,713
––––––––––
119,334206,947133,109328,514754,627141,880339,862148,726329,339879,277
119,334101,433141,880120,598
648551610519
51,6243,627106,2716,985
9,6359,63519,93719,937
–206,947133,109276,242616,293–339,862148,726222,458710,194
6,187,974183,7775,472,510166,905
3318,978,16018,751,063
34(%)127.88
127.29
1.“
”2022127.88%242,683.76189,781.60
2022
2015
4%202212317.85%
20221231
2022
2022
2022
7.85%
7.76%7.53%7.94%
2,846,5332,781,7762,647,8222,662,43636,270,30035,864,32635,181,68733,514,004
1.
2. =+
20221231
20211231
34,601,91730,253,979
(277,381)(261,374)
66,32968,5031,4901,013
1,892,3841,622,887
(14,439)(14,115)
36,270,30031,670,893
1.2.3.4.
2022
20221231
20211231
33,252,76729,415,746
(14,439)(14,115)33,238,32829,401,63165,00744,718
50,37955,085
115,636100,053
1,022,462545,3091,4901,013
1,023,952546,3225,574,0374,842,963(3,681,653)(3,220,076)
1,892,3841,622,8872,846,5332,575,528
36,270,30031,670,893
7.85%
8.13%
1.2.
中国建设银行股份有限公司 2022年年报
附录二 商业银行系统重要性评估指标1 全球系统重要性评估指标
202120187
2022年12月31日20211231
指标值
36,554,26631,935,171
1,197,102826,299
3,039,3782,081,357
2,891,0072,541,016
653,342,763497,218,797
19,504,12417,771,566
2,644,3772,485,803
5,341,4375,369,028
799,803937,244
3,367,8293,886,221
663,930670,459
163,523155,275
994,625802,042
1,115,7981,053,4101.2.3.2 国内系统重要性评估指标
20211231
31,670,8932,092,0162,869,7371,944,231497,218,79717,771,5667,852,705
72,63814,4763,897,807670,459741,885183,9492,188,3301,855,452
1.
股票代碼: