青海银行党委书记、
董事长:
刚刚过去的 2011 年是极不平凡的一年。一年来,青海银行在省委、省政府的
坚强领导下,面对复杂多变的经营环境,日趋激烈的同业竞争,全行上下以科学发
展观为指导,以深入开展“创先争优”活动为主线,抢抓发展机遇,夯实经营基础,
扩大资产规模,增加经营成果,提升社会形象,取得了各项业务较快发展、经营效
益大幅提升的良好成绩,为青海银行在“十二五”期间实现跨越式的大发展奠定了
坚实的基础。
刚刚过去的 2011 年又是令人难忘的一年。我们圆满完成了第三次增资扩股工
作,彻底解决了长期困扰我行的贷款集中度问题,在为大力拓展业务铺平道路的同
时,极大提升了我行信贷总投放能力;发起设立了首家跨省村镇银行-宁夏中宁青
银村镇银行,为实施跨区域发展战略,扩大业务辐射范围,迈出了标志性的有力一
步;成立了省内第一家独立的小企业金融专营机构-青海银行小企业信贷中心 ,使
我行小企业业务步入了规范化、流程化和批量服务的轨道,实现了对小企业的一站
式、多功能服务。而且就是这一年,我们锐意进取、开拓创新,稳步实施了薪酬体
系改革,初步构建了“岗位靠竞争,收入凭贡献”的良好机制;深入根植全员营销
理念,大幅提升员工福利待遇,让全行员工切实感受到了分享发展成果的喜悦。
充满希望和期待的 2012 年,健康、快速发展仍是我们的必然选择,我们有
信心、有决心站在新的起点上,做大业务规模,做优资产质量,做强特色业务,
全力培植新的业务增长点。进一步解放思想,创新思路,把青海银行打造成区域
性特色精品银行。
百舸争流竞千帆,同心携手求发展。2012 年是我行经营全面提升和实现跨越
式发展的关键性一年。面对新形势、新挑战,我行将进一步优化公司治理,落实各
项科学发展举措,优化结构、创新发展,加快推进提升核心竞争力的各项战略举措,
为实现跨区域发展和企业价值最大化而不懈努力!
董事长致辞
The just past year 2011 is an extraordinary year. In the past 1 year, strongly led by the
provincial Party Committee and the provincial government, facing complicated and varied opera-
tion environment and severe peer competition, the bank adheres to the outlook of the scientific
development, deeply develops becoming the pioneer and cr eating the excellence , seizes the
development opportunity, paves the operation foundation, increases the asset scale, increases
operation achievements, improves the social image, acquires rapid business development and
sound increasing of operation benefits, which pave solid foundation for great-leap-forward de-
velopment of Bank of Qinghai in the Twelfth-Five-Year Plan .
The just past year 2011 is unforgettable year. We have completed the 3rd capital and share
increasing successfully, thoroughly solves the load centralization bothering the bank for a long
time; while expanding the business, improve the bank s total credit loan capabilities; sponsor
and establish the first trans-provincial township bank-Ningxia Zhongning Qingyin Rural Bank,
which steps forward for implementing the trans-regional development strategy, increasing the
business scope; establish the first independent small-corporate financial institution in the prov-
ince-small-corporate credit loan center of Bank of Qinghai to make the bank s small-corporate
business step into the standardized, flow and batch services, and realize one-stop and multi-
functional services for small corporate. In the year, we are enterprising and exploring, implement
the remuneration system reform and establish the sound mechanism of post fr om competition
and income from contribution ; deeply r oot all the staff s marketing concept, increase the staff s
material benefits and income and make all the staff enjoy the joy from the development.
In the hopeful and expecting year 2012, healthy and rapid development is our inevitable
choice. We are confident and determined to stand at a new starting point, increasing the busi-
ness scale, optimizing the assets quality and making the featured business stronger and rooting
new business increasing points. Liberate our thoughts, innovate thoughts and build Bank of Qinghai
into an excellent regional featured bank.
Hundreds of boats are competing, and we joint hands to seek development. The year 2012
is crucial for the bank s overall development and great-leap-forward development. Facing new
situations and new challenges, we will optimize the Company governing , put the scientific mea-
sures into practice, optimize structure, develop innovatively, speed up the strategic measures
for improving core competitiveness and make efforts to realize trans-regional development and
maximize corporate values!
The Party Committee Secretary and Chairman of Bank of Qinghai: Wang Li
Chairman’s Statement
2011 年度第一次临时股东大会于 2011 年 10 月 10 日召开,会议选举产生了青海银行四届董事会及四届监事会。
青海银行四届董事会成员组成:王丽(董事长)、郝立华、刘惠君、王伟明、王张兴、韦永萍、丁永杰、王作全(独立
董事)、李秉祥(独立董事)。
青海银行四届监事会成员组成:李锦军(监事长)、徐林义、王绍明、杨新艳、吴文好、苏爱兰、李得平。
The 1st session of the provisional conference of the shareholders assembly for the year 2011 was held on October
10, 2011, and the 4th session of board of directors and the 4th session of board of supervisors were selected at the
conference.
Composition of members of the 4th session of board of directors of Bank of Qinghai : Wang Li (President), Hao
Lihua, Liu Huijun, Wang Weiming, Wang Zhangxing, Wei Yongping, Ding Yongjie, Wang Zuoquan (independent director)
and Li Bingxiang (independent director).
Composition of members of the 4th session of board of supervisors of Bank of Qinghai : Li Jinjun (Supervisory), Xu
Linyi, Wang Shaoming, Yang Xinyan, Wu Wenhao, Su Ailan, Li Deping.
重要提示
1. 本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假
记载、误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性承担个别及连带
责任。
2. 本公司年度财务报告经青海大正会计师事务所有限公司根据中国审计准则审计,并出具了
无保留意见的审计报告。
3. 本年度报告已经本公司董事会审议通过。
4. 本公司行长丁永杰,财务机构负责人穆星莲保证年度报告中财务报告的真实、完整。
Important Notice
1. The Board of Directors, Board of Supervisors, Directors, Supervisors and senior offic-
ers of the Company guarantee that the Report contents do not contain any false records,
misleading statements or serious omissions and shall bear individual and several joint
responsibility for the authenticity, accuracy and completeness of the Report contents.
2. This annual financial report was audited by Qinghai Dazheng Certified Public Accoun-
tants Co., Ltd in accordance with China Auditing Standards who afterwards issued au-
dit report without reservation.
3. This annual report has been deliberation and passed by the Company s Board of
Directors.
4. The Company s president Ding Yongjiang and the Accounting Department leader Mu
Xinglian guarantee the authenticity and completeness of the Annual Financial Report.
�� !"#2-3Basic Information of the Company
�� !"#$�4-15Abstract of Main Financial Data
�� !"�#$%16-17Change of Capital Stock and the Shareholders
�� �� �� !"#$#%&'18-22
About the Directors, Supervisors, Senior Officers and Staff
�� !"#23-29Administration Status of the Company
�� !"#30-31Information of the Shareholders General Meeting
�� !"32-40Report of the Board of Directors
�� !"41-43Report of the Board of Supervisors
�� !44Important Matter
�� !45-54Financial Report
�� !"#$%&55-58The Branches of Bank of Qinghai
��
CONTENTS
2 青海银行股份有限公司
二 零 一 一 年 度 报 告
基 本 情 况 简 介
1、 法定中文名称:青海银行股份有限公司
(简称:青海银行。下称“本公司”)
2、 法定英文名称:BANK OF QINGHAI CO.,LTD.
(简称:BANK OF QINGHAI)
3、 法定代表人:王丽
4、 董事会秘书:王伟
联系电话:0971-8127128
传 真:0971-6106152
电子邮箱:[email protected]
5、 注册及办公地址:青海省西宁市黄河路 36 号
邮政编码:810001
联系电话:0971-8185270
传 真:0971-8130361
客户服务热线: 400-888888-3
0971-96399
互联网网址:www.bankqh.com
6、 信息披露方式:
刊登信息披露的报纸:《金融时报》
发布在本公司互联网网址:www.bankqh.com
年度报告备置地点:本公司董事会办公室
7、 其他有关资料
本公司首次注册登记日期:1997 年 12 月 26 日
企业法人营业执照注册号:630000100009758
税务登记号码:税东字:630102710401554
聘请的会计师事务所名称:青海大正会计师事务所有限公司
办公地址:青海省西宁市西关大街 19 号
3BANK OF QINGHAI CO.,LTD.
ANNUAL REPORT 2011
1. Registered legal Chinese name: 青海银行股份有限公司
(Abbreviation: Bank of Qinghai. hereinafter called the Company )
2. Registered Legal English Name: BANK OF QINGHAI CO., LTD.
(Abbreviation: BANK OF QINGHAI)
3. Legal Representative: Wang Li
4. Secretary of The Board Of Directors: Wang Wei
Tel: 0971-8127128
Fax: 0971-6106152
E-mail: [email protected]
5. Registered Address and Office Address: No.36, Huanghe Road, Xining City, Qinghai Province
Post Code: 810001
Tel: 0971-8185270
Fax: 0971-8130361
Customer Service Hotline: 400-888888-3
0971-96399
Internet website:www.bankqh.com
6. The Way of Information Disclosure:
Newspapers of published information disclosure: FINANCIAL TIMES
Released at the Company s internet website: www.bankqh.com
Place for getting ready the annual report: Office of Board of Directors of the Company
7. Other Related Data
The company Initial Registration Date: December 26, 1997
Enterprise Legal Person Business License Registration No.: 630000100009758
Tax Registration Number: Shui Dong Zi : 630102710401554
Name of domestic Certified Accountants Engaged: Qinghai Dazheng Certified Public Accountants Co., Ltd
Office Address: No.19, Xiguan Street, Xining City, Qinghai Province
Basic information of the Company
4
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
主要财务数据摘要
5
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
6
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
1、 截止报告期末前三年主要财务数据
单位:千元 币种:人民币
项 目 2009 年 2010 年 2011 年
未分配利润总额 121,909 168,449 372,540
营业收入 575,802 807,634 1,466,280
投资收益 50,819 95,118 208,712
营业外收支总净额 10,825 5,082 -365
拨备前利润 217,692 294,288 587,490
净利润 117,692 167,988 406,129
所有者权益 699,020 1,036,889 3,201,987
每股收益 (元 ) 0.23 0.25 0.22
每股净资产 (元 ) 1.39 1.55 1.72
2、 截止报告期末前三年补充财务数据
单位:千元 币种:人民币
项 目 2009 年 2010 年 2011 年
总资产 13,824,148 22,684,048 30,203,839
总负债 13,125,128 21,647,159 27,001,852
核心资本 68,513 1,031,682 3,167,304
附属资本 81,576 100,629 159,442
存款总额 12,822,922 20,920,190 25,148,702
其中:储蓄存款 3,501,038 4,075,158 4,614,176
同业拆入总额 - - -
贷款总额 7,505,105 9,802,541 13,104,037
青海银行扶持的柴达木循环经
济示范区的重点示范项目-青海盐
湖佛照蓝科锂业股份有限公司。
T h e k e y d e m o n s t r a t i o n
project of Qaidam Circular Dem-
onstrat ion Zone suppor ted by
Bank of Qinghai - Qinghai Salt
Lake Fozhao Lanke Lithium Indus-
try Co., Ltd.
7
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
3、 截止报告期末前三年补充财务指标
单位:% 币种:人民币
项 目 标准值 2009 年 2010 年 2011 年
不良资产率 ≤ 4% 1.83% 1.41% 0.95%
不良贷款比例 (五级分类 ) ≤ 5% 2.06% 1.98% 1.34%
单一集团客户授信集中度 ≤ 15% 82.81% 17.17% 10.89%
单一客户贷款集中度 ≤ 10% 65.61% 31.30% 9.98%
拨备覆盖率 - 154.5% 161.25% 250.08%
流动性比率 ≥ 25% 53.91% 54.86% 49.07%
存贷款比例 ≤ 75% 58.53% 46.86% 52.11%
资产利润率 ≥ 0.6% 0.96% 0.74% 1.54%
成本收入比 ≤ 35% 32.67% 28.12% 18.79%
净资产收益率 - 17.71% 19.36% 19.16%
资本充足率 ≥ 8% 12.29% 15.56% 23.07%
核心资本充足率 ≥ 4% 11.02% 14.20% 22.03%
4 、 信贷资产五级分类情况
单位:千元、% 币种:人民币
五级分类 金 额 占 比
正常类 12,874,081 98.25
关注类 54,009 0.41
次级类 164,428 1.25
可疑类 9,789 0.08
损失类 1,730 0.01
合 计 13,104,037 100
5、 各类资产减值准备情况
单位:千元 币种:人民币
项 目 金 额
期初余额 345,245
报告期计提 181,361
收回以前年度已核销贷款 324
报告期核销 6,191
其他变动 -
期末余额 520,739
注: 当年计提各类资产减值准备181,341千元,其中当年计提贷款损失准备金127,251千元,计提资产减值准备金54,110千元;
当年核销信贷资产250千元,核销非信贷资产5,941千元;期末各类资产减值准备余额520,739千元,其中一般准备金期末余
额131,040千元,专项准备金期末余额308,962千元,非信贷资产减值准备期末余额80,736千元。
8
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
6 、 前十名客户贷款额占贷款总额的比例
单位:万元、% 币种:人民币
客户名称 贷款余额 占贷款总额比例
青海省发展投资有限公司 33,000 2.52
西部矿业集团有限公司 30,000 2.29
青海省国有资产投资管理有限公司 30,000 2.29
青海省海东工业园区开发建设有限公司 29,900 2.28
青海省公路局 29,300 2.23
西宁市城市交通投资建设有限公司 27,000 2.06
青海省投资集团有限公司 26,000 1.98
青海甘河工业园开发建设有限公司 25,800 1.97
青海省高等级公路建设管理局 24,000 1.83
西宁海湖开发建设管理有限公司 20,000 1.53
合 计 275,000 20.98
7、 主要存贷款类别日平均余额及平均利率情况
单位:万元、% 币种:人民币
类 别 日平均余额 平均利率
短期和中长期贷款 1,079,139 6.73
企业存款 1,716,214 0.81
储蓄存款 406,423 1.60
青海省省长骆惠宁同志一
行在中国·青海结构调整暨投
资贸易洽谈会青海银行馆检查
指导工作。
The head o f Q ingha i
P r o v i n c e C o m r a d e L u o
Huining inspecting and offer-
ing guide at the Hall of Bank
of Qinghai at the Fair for Re-
s t ruc tu r ing in Q ingha i o f
China and Investment and
Trade.
9
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
8、 期末不良贷款情况及采取的相应措施
报告期末,本公司各类贷款合计 13,104,037 千元,按照五级分类口径,正常类和关注类 12,928,090 千元,占比为
98.66%;后三类为 175,947 千元,占比为 1.34%,不良贷款率下降 0.64 个百分点。
本公司在解决和压缩不良贷款方面采取了多项积极举措:一是认真贯彻国家宏观调控政策,积极调整信贷投向,做好
行业风险分析和预警,积极介入符合国家发展规划的基本建设、节能、环保等项目,加快限制行业贷款退出力度,有效防
控系统性风险;二是继续做好到期还款、分期还款、市场退出等贷后管理工作,加强贷后监控和贷后检查力度,强化风险
预警,提前采取措施化解贷款风险;三是坚持谨慎分类和责任追究原则,避免风险累积或滞后反映;四是深化风险体制改
革,加大责任追究,优化风险管理系统各项功能,进一步提高风险意识;五是不断加大不良贷款清收处置力度,逐户制定
清收盘活措施,强化贷款核销和对已核销呆帐的催收;六是不断加大损失准备金计提力度,提足准备金。
9、 抵债资产情况
单位:千元、% 币种:人民币
抵债资产种类 抵债资产余额占抵债资产
总额比例
不动产类 262,368 98.58
权 利 3,783 1.42
合 计 266,151 100
10、主要表外项目余额情况
单位:千元 币种:人民币
项 目 2010 年末余额 2011 年末余额
承兑汇票 406,414 444,613
开出保函 625,024 632,236
开出信用证 - 283
11、资金交易主要情况
2011 年针对通货膨胀高企,国家不断出台宏观调控政策,从紧货币政策贯穿全年,资金市场价格持续高位运行的情况,
本公司牢牢把握机遇,及时调整思路,依托货币市场,加大资金运作,提高收入。全年实现资金业务收入 4.22 亿元,较上
年增加 2.11 亿元,增长一倍。
10
二 零 一 一 年 度 报 告
主 要 财 务 数 据 摘 要
青海银行股份有限公司
12、对外股权投资情况
报告期内,本公司发生新的对外投资项目。2011 年本公司以发起人身份投资 1500 万元发起设立了宁夏中宁青银村镇
银行,投资额占被投资单位股权比例 30%,为第一大股东。
单位:万元、% 币种:人民币
对外投资项目 年初余额 年末余额 投资额占比
大通国开村镇银行 460 460 4.60
宁夏中宁青银村镇银行 1,500 30
合 计 460 1,960
2011 年 6 月 10 日,由青海银行发起设立的首家省外村镇银行-宁夏中宁青银村镇银行隆重开业,这标志着青海银行跨
区域发展迈出了实质性的步伐。
On June 10, 2011, the first ex-province rural bank sponsored by Bank of Qinghai - Ningxia Zhongning Qingyin
Rural Bank was opened, marking a substantial step for trans-regional development of Bank of Qinghai.
11
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Abstract of Main Financial Data
1. By the end of the report period Principal financial data for last three years
Unit: thousand yuan Curr: RMB
Item Year 2009 Year 2010 Year 2011
Undistributed profits total 121,909 168,449 372,540
Operation Income 575,802 807,634 1,466,280
Investment Income 50,819 95,118 208,712
Net amount of non-business revenue10,825 5,082 -365
and expenditure
Pre-Provision Operating Profit 217,692 294,288 587,490
Net profit 117,692 167,988 406,129
Equity of owner 699,020 1,036,889 3,201,987
Earnings Per Share (Yuan) 0.23 0.25 0.22
Net assent per share (Yuan) 1.39 1.55 1.72
2. By the end of the report period supplement financial data for last three years
Unit: thousand yuan Curr: RMB
Item Year 2009 Year 2010 Year 2011
Total assets 13,824,148 22,684,048 30,203,839
Total Liabilities 13,125,128 21,647,159 27,001,852
Core capital 68,513 1,031,682 3,167,304
Supplementary Capital 81,576 100,629 159,442
Total deposit 12,822,922 20,920,190 25,148,702
Thereinto: Savings deposit 3,501,038 4,075,158 4,614,176
Inter-bank borrowing total amount - - -
total lending 7,505,105 9,802,541 13,104,037
12
ANNUAL REPORT 2011
Abstract of Main Financial Data
BANK OF QINGHAI CO.,LTD.
3. By the end of the report period supplement financial data for last three years
Unit: % Curr: RMB
Item Standard value Year 2009 Year 2010 Year 2011
Badness asset ratio ≤ 4% 1.83% 1.41% 0.95%
Non-performing loan ratio(five categories) ≤ 5% 2.06% 1.98% 1.34%
Single group customer credit concentration ≤ 15% 82.81% 17.17% 10.89%
Single customer loans concentration ≤ 10% 65.61% 31.30% 9.98%
Provision coverage - 154.5% 161.25% 250.08%
Liquidity ratios ≥ 25% 53.91% 54.86% 49.07%
Loan/deposit ratio ≤ 75% 58.53% 46.86% 52.11%
Return on assets ≥ 0.6% 0.96% 0.74% 1.54%
Cost income than ≤ 35% 32.67% 28.12% 18.79%
Return on net assets - 17.71% 19.36% 19.16%
Capital adequacy ratio ≥ 8% 12.29% 15.56% 23.07%
Core Capital Adequacy Ratio ≥ 4% 11.02% 14.20% 22.03%
4. Condition of credit assets five categories
Unit: thousand yuan, % Curr: RMB
Five categories Amount Proportion
Normal 12,874,081 98.25
Interest 54,009 0.41
Secondary 164,428 1.25
Doubt 9,789 0.08
Loss 1,730 0.01
Total 13,104,037 100
青海银行积极服务地方经济
建设,图为给予信贷支持的青海俊
民化工有限责任公司厂区。
Bank of Qinghai act ively
se rves t he l oca l economic
building. The picture shows the
factory area of Qinghai Junmin
Chemical Industry Co., Ltd. with
credit support.
13
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Abstract of Main Financial Data
5. Depreciation reserve of the assets
Unit: thousand yuan Curr: RMB
Item Amount
Beginning balance 345,245
Counting and Drawing of report period 181,361
Withdraw previous fiscal years cancel after verification loans 324
Cancel after verification of report period 6,191
Other Variable -
Ending balance 520,739
Notes: The depreciation reserve of the assets in the current year is 181,341 thousand yuan; wherein, the loan loss reserve127,251 thousand yuan counted and drawn; the reserve fund for asset depreciation is 54,110 thousand yuan; chargeoff the credit asset in the current year 250 thousand yuan, and charge off non-credit asset 5,941 thousand yuan;balance of the asset depreciation reserve at the end of the period is 520,739 thousand yuan, balance of generalreserve fund is 131,040 thousand yuan, balance of special reserve fund at the end of the period is 308,962 thousandyuan and balance of depreciation reserve of non-credit asset at the end of the period is 80,736 thousand yuan.
6. Proportion of the top 10 clients’ loan in the total loan
Unit: Ten thousand yuan, % Curr: RMB
Proportion in
Customer name Loan balance the total loan
Qinghai Development Investment Co., Ltd. 33,000 2.52
Western Mining Group Co., Ltd. 30,000 2.29
Qinghai State-owned Assets Investment Management Co., Ltd. 30,000 2.29
Qinghai Haidong Industrial Park Development Construction Co., Ltd. 29,900 2.28
Qinghai Railway Administration 29,300 2.23
Xining Urban Traffic Investment Construction Co., Ltd. 27,000 2.06
Qinghai Investment Group Co., Ltd. 26,000 1.98
Qinghai Ganhe Industrial Park Development Construction Co., Ltd. 25,800 1.97
Qinghai High-grade Road Construction Administration 24,000 1.83
Xining Haihu Development Construction Management Co., Ltd. 20,000 1.53
Total 275,000 20.98
14
ANNUAL REPORT 2011
Abstract of Main Financial Data
BANK OF QINGHAI CO.,LTD.
7. Daily average balance and average interest rate of main loan Category
Unit: Ten thousand yuan Curr: RMB
Category Daily average balance Average interest rate
Short-term and middle and long-term loan 1,079,139 6.73
Corporate deposit 1,716,214 0.81
Savings deposit 406,423 1.60
8. Non-performing loan at the end of the period and corresponding measures adopted
At the end of the period, the Company s loan in total is 13,104,037 thousand yuan, in accordance with the 5-level
classification specifications, the normal and concern types include 12,928,090 thousand yuan, with ratio of 98.66%;
the later 3 types include 175,947 thousand yuan, with ration of 1.34%, and the non-performing loan rate is reduced by
0.64%.
The Company adopts several active measures for solving and controlling non-performing loans: firstly, implement
the state macroscopic regulating policy, actively adjust the credit-loan orientation , make the industrial risk analysis and
alert, actively involve the fundamental construction, energy saving, environmental protection projects consistent with
the state development program,, accelerate the loan-exit strength in the restricted industries and effectively prevent the
systematic risks; secondly, continue to perform the due repayment, installment repayment, market exit and other after-
loan management, reinforce after-loan supervising and after-loan check strength, reinforce risk alert and adopt mea-
sures to decompose the loan risks; thirdly, adhere to the principles of cautious classification and liability investigation,
and avoid the risk accumulation or delayed feedback; fourthly, deepen the risk system reform, enhance the liability
investigation, optimize the risk management system functions and further improve the risk awareness; fifthly, increase
the strength for collecting the non-performing loans, formulate the liquidation measures one by one and reinforce the
loan write-off and the collection of the write-off bad debts; sixthly, increase the loss reserve counting and drawing
strength and draw sufficient reserve.
青海省委常务、省纪委书记仁青加
书记莅临青海银行检查指导工作。
The Standing Member of the Pro-
vincial Committee of Qinghai Province
and the secretary of the Provincial
Discipline Committee Ren Qingjia Vis-
i t ing Bank of Qinghai for offer ing
guidance.
15
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Abstract of Main Financial Data
9. Mortgaged assets situation
Unit: thousand yuan, % Curr: RMB
Balance of the Proportion of total
Types of mortgaged assets mortgaged assets mortgaged assets
Property 262,368 98.58
Rights 3,783 1.42
Total 266,151 100
10. Details of balance out of the statement
Unit: thousand yuan, % Curr: RMB
Balance at the end Balance at the end
Item of the year 2010 of the year 2011
Acceptance draft 406,414 444,613
Issued letter of guarantee 625,024 632,236
Issued letter of credit - 283
11. Main information of the fund transaction
In the year 2011, facing high inflation, the state issued the macroscopic regulating policy, with the tightened cur-
rency policy throughout the year. Under the high-level operation of the fund market price, the Company seizes the
opportunities, timely adjusts the thoughts, supported by the currency market, enhances the capital operation and in-
creases operation. The Company s fund business income is 422 million yuan, increasing by 211 million yuan than that of
the last year, which is doubled.
12. Situation of equity investment out of the company
During the reporting period, the Company incurred new foreign investment projects. In the year 2011, with the
identity of sponsors, the Company invested 15 million yuan to establish Ningxia Zhongning Qingyin Rural Bank, with
investment amount 30% of the invested body, and becomes the first largest shareholder.
Unit: thousand yuan, % Curr: RMB
Balance at the Balance at the Proportion in
Foreign investment project beginning of the year end of the year the investment
Datong Guokai Village Bank 460 460 4.60
Ningxia Zhongning Qingyin1,500 30
Rural Bank
Total 460 1,960
16
二 零 一 一 年 度 报 告
股 本 变 动 及 股 东 情 况
青海银行股份有限公司
1、 股本结构及变动情况
2011 年,本公司顺利完成了第三次增资扩股工作,股本结构发生了如下变化:
单位:千股、%
股东类型变动前 本年增减 变动后
数量 比例 (+, -) 数量 比例
国有股 191,000 28.47 +309,000 500,000 26.86
法人股 457,781 68.23 +881,500 1,339,281 71.95
个人股 22,110 3.30 0 22,110 1.19
股份总额 670,891 100 1,190,500 1,861,391 100
2、 报告期末本公司最大十名股东持股情况
单位:千股、%
序号 股东单位名称 股份数 占总股本比例
1 青海省国有资产投资管理有限公司 360,000 19.34
2 西部矿业集团有限公司 200,000 10.74
3 西宁伟业房地产开发有限公司 200,000 10.74
4 上海城市商业集团有限公司 180,000 9.67
5 西宁城市投资管理有限公司 140,000 7.52
6 攀华集团有限公司 110,000 5.91
7 苏州市相城区江南化纤集团有限公司 110,000 5.91
8 青海盐湖工业股份有限公司 100,000 5.37
9 德正资源控股有限公司 59,000 3.17
10 大连大显控股股份有限公司 55,000 2.96
合 计 1,514,000 81.33
3、 控股股东及实际控制人情况
本公司没有控股股东,第一大股东为青海省国有资产投资管理有限公司,代表青海省政府行使国有资产的管理权。
17
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Change of Share Capital and Information ofShareholders
1. Structure of capital share and change situation
In the year 2011, the Company had finished the capital increasing and share expanding in the 3rd time, with share
capital structure changed as follows:
Unit: thousand share, %
Increase or
Before variation decrease of After variation
Shareholders type Quantity Percent this year(+,-) Quantity Percent
State-owned shares 191,000 28.47 +309,000 500,000 26.86
Legal persons shares 457,781 68.23 +881,500 1,339,281 71.95
Individual share 22,110 3.30 0 22,110 1.19
Total stock 670,891 100 1,190,500 1,861,391 100
2. Details of shareholding of the Company’s top 10 shareholders at the end of the reporting period
Unit: thousand share, %
Proportion in
Number of the total
No. Shareholder’s name shares share capital
1 Qinghai State-owned Assets Investment Management Co., Ltd. 360,000 19.34
2 Western Mining Group Co., Ltd. 200,000 10.74
3 Xining Weiye Real Estate Development Co., Ltd. 200,000 10.74
4 Shanghai Urban Commercial Group Co., Ltd. 180,000 9.67
5 Xining Urban Investment Management Co., Ltd. 140,000 7.52
6 Panhua Group Co., Ltd. 110,000 5.91
7 Suzhou Xiangcheng District Jiangnan Chemical Fiber Group Co., Ltd. 110,000 5.91
8 Qinghai Salt Lake Industry Co., Ltd. 100,000 5.37
9 Dezheng Resources Holdings Co., Ltd. 59,000 3.17
10 Dalian Daxian Enterprises Holdings Co., Ltd. 55,000 2.96
Total 1,514,000 81.33
3. Controlling shareholder and actual controllers
T h e C o m p a n y h a s n o c o n t r o l l i n g
shareholder, and the first largest shareholder
is Qinghai State-owned Assets Investment Man-
agement Co., Ltd., which performs the manage-
ment over the state-owned assets on behalf of
Qinghai Provincial Government.
18
二 零 一 一 年 度 报 告
董事、监事、高级管理人员和员工情况
青海银行股份有限公司
1、 董事
职 务 姓 名 学位学历及职称 性别 任职单位及职务
董事长 王 丽研究生
女 青海银行党委书记、董事长高级经济师
董事 郝立华硕士
男 青海省国有资产投资管理有限公司党委书记、副总经理研究生
董事 刘惠君博士
女 西部矿业股份有限公司副总裁、财务总监高级会计师
董事 王伟明大专
男 西宁伟业房地产开发有限公司董事长高级工程师
董事 王张兴 EMBA 男 上海城市商业集团有限公司董事长
董事 韦永萍大学
女 西宁城市投资管理有限公司财务总监会计师
董事 丁永杰大学
男 青海银行行长高级经济师
独立董事 王作全博士
男 青海师范大学政法学院法学教授法学教授
独立董事 李秉祥博士
男 西安理工大学教授、财务处处长教授
2、 监事
职 务 姓 名 学位学历及职称 性别 任职单位及职务
监事长 李锦军大学
男 青海银行监事长高级经济师
监事 徐林义 高中 男 青海三榆房地产集团有限公司董事长
监事 王绍明 高中 男 攀华集团有限公司副总经理
监事 杨新艳 大专 女 苏州市相城区江南化纤集团有限公司财务科长
监事 吴文好研究生
男 青海盐湖工业股份有限公司副总裁、财务总监、董事会秘书高级经济师
监事 苏爱兰 中专 女 青海省政府国有资产监督管理委员会副处级专职监事
监事 李得平大专
男 青海银行城中支行行长高级经济师
19
二 零 一 一 年 度 报 告
董事、监事、高级管理人员和员工情况
青海银行股份有限公司
3、 高级管理人员
职 务 姓 名 学位学历及职称 性别
行长 丁永杰 大学、高级经济师 男
副行长 李发春 研究生、高级经济师 男
党委副书记 王元太 大学 男
副行长 孙晨光 大学、高级经济师 男
董事会秘书 王 伟 大学、工程师 男
行长助理 翟建宁 大学、经济师 男
行长助理 张俭平 大学、经济师 男
工会主席 王昌生 大学、经济师 男
4、 董事、监事及高级管理人员变更情况
报告期内,本公司董事、监事发生变更。
2011 年 4 月,孙立明同志辞去董事职务,2011 年度股东大会补选刘惠君同志为董事;2011 年 10 月,第三届董事会和
监事会任期届满,经 2011 年第一次临时股东大会选举产生了第四届董事会和监事会,董事会的组成人员由原来的 7 人增加
到 9 人,成员分别为王丽、郝立华、刘惠君、王伟明、王张兴、韦永萍、丁永杰、王作全、李秉祥;监事会组成人员由原
来的 5 人增加到 7 人,成员分别为李锦军、徐林义、王绍明、杨新艳、吴文好、苏爱兰、李得平。
5、 公司员工情况
截止报告期末,本公司在册职工 916 人,其中在岗正式员工 772 人,本科及以上学历占 38.73%,具有中高级职称的员
工占 12.82%。公司内退员工 144 人。
青海省副省长高云龙等领导
看望青海银行一线职工。
T h e D e p u t y H e a d o f
Qinghai Province and other
leaders visiting the workers at
the front line workers.
20
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
About the Directors, Supervisors, SeniorOfficers and Staff
1. Directors
Degree, education
background and
Post Name technical title Sex Employer and title
Chairman ofWang Li
GraduateFemale
The Party Committee Secretary and
the board Senior economist Chairman of Bank of Qinghai
The Party Committee Secretary and
Director Hao LihuaMaster
MaleDeputy General Manager of Qinghai
Graduate State-owned Assets Investment
Management Co., Ltd
Director Liu HuijunDoctor
FemaleVice President and CFO of Western
Senior accountant Mining Co., Ltd.
Director Wang WeimingJunior college
MaleThe President of Xining Weiye Real
Senior engineer Estate Development Co., Ltd.
Director Wang Zhangxing EMBA MaleThe President of Shanghai Urban
Commercial Group Co., Ltd.
Director Wei YongpingUniversity degree
FemaleCFO of Xining Urban Investment
Accountant Management Co., Ltd.
Director Ding YongjieUniversity degree
Male President of Bank of QinghaiSenior economist
IndependentWang Zuoquan
DoctorMale
Law Professor of Political and Law
Director Law professor School of Qinghai Normal University
IndependentLi Bingxiang
DoctorMale
Professor and Head of Financial Sector
Director Professor of Xi an University of Sciences
青海银行立足区域经济发展,积极
助推我省将资源优势成功转化为经济效
益。图为青海银行支持的冶金行业-青海
华信冶炼有限公司厂区。
Bank of Qinghai focuses on the re-
gional economic development, and ac-
tively converts the advantageous re-
sources in the province into economic
benefits. The picture shows the factory;
area of Qinghai Huaxin Metallurgy Co.,
Ltd. of the metallurgy industry sup-
ported by Bank of Qinghai.
21
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
About the Directors, Supervisors, SeniorOfficers and Staff
2. Supervisors
Degree, education
background and
Post Name technical title Sex Employer and title
ChiefLi jinjun
University degreeMale Supervisory of Bank of Qinghai
supervisor Senior economist
Supervisor Xu Linyi Senior high school MaleThe President of Qinghai Sanyu Real
Estate Group Co., Ltd.
Supervisor Wang Shaoming Senior high school MaleDeputy General Manager of Panhua
Group Co., Ltd.
Financial Sector Head of Suzhou
Supervisor Yang Xinyan Junior college Female Xiangcheng District Jiangnan Chemical
Fiber Group Co., Ltd.
GraduateDeputy President, CFO and secretary
Supervisor Wu WenhaoSenior economist
Male of the Board of Directors of Qinghai Salt
Lake Industry Co., Ltd.
Technical secondaryDeputy Divisional full-time supervisor of
Supervisor Su Ailanschool
Female Qinghai Provincial State-owned Assets
Supervision and Management Committee
Supervisor Li DepingJunior college
MaleHead of Chengzhong Barnch of Qinghai
Senior economist Bank
3. Senior officers
Degree, education background
Post Name and technical title Sex
President Ding Yongjie University degree, senior economist Male
Vice-president Li Fachun Graduate, senior economist Male
Vice Secretary of Party Committee Wang Yuantai University degree Male
Vice-president Sun Chenguang University degree, senior economist Male
Secretary of the Board of Director Wang Wei University degree, engineer Male
Assistant president Zhai Jianning University degree, economist Male
Assistant president Zhang Jianping University degree, economist Male
Labor union chairman Wang Changsheng University degree, economist Male
22
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
About the Directors, Supervisors, SeniorOfficers and Staff
4. Changes of directors, supervisors and senior officers
During the reporting period, the Company s directors and supervisors incurred changes.
In April, 2011, Sun Liming resigned the title of director,
and Liu Huijun was by-elected as director in the sharehold-
ers general meeting of 2010; in October, 2011, the 3rd ses-
sion of the board of directors and the board of supervisors
were expired, the 4th session of board of directors and the
board of supervisors were elected by the first interim share-
holders general meeting of 2011. Number of members of
the board of directors is increased from 7 persons to 9
persons, which are Wang Li, Hao Lihua, Liu Huijun, Wang
Weiming, Wang Zhangxing, Wei Yongping, Ding Yongjie,
Wang Zuoquan and Li Bingxiang; number of members of the
board of directors is increased from 5 persons to 7 persons,
which are Li Jinjun, Xu Linyi, Wang Shaoming, Yang Xinyan,
Wu Wenhao, Su Ailan and Li Deping.
5. Information of the Company’s staff
Till the end of the reporting period, the Company s registered staff is 916 persons, 772 persons of whom are on-the-
job staff, 38.73% of whom have undergraduate or above academic background and 12.82% of whom have intermediate
or senior technical titles. The Company s internal retirement staff is 144 persons.
22 BANK OF QINGHAI CO.,LTD.
23
二 零 一 一 年 度 报 告
公 司 治 理 状 况
青海银行股份有限公司
1、 公司治理概况
本公司自成立以来,严格遵守《中华人民共和国公司法》、《中华人民共和国商业银行法》以及《股份制商业银行公司
治理指引》等相关法律法规,结合本公司实际情况,不断完善公司治理结构,法人治理结构逐步完善。
(1) 完善公司治理基础性制度
报告期内,本公司根据最新监管要求和
自身发展需要,不断完善公司治理的基础性
制度建设。年初及时组织修订了《青海银行
业务授权管理办法》,进一步规范了业务经营
活动中的授权管理活动;下半年,根据银监
会下发的《关于中国银行业实施新监管标准
的指导意见》制订了切实可行的达标实施规
划,为今后五年本公司监管指标的持续稳定
提出了可行性的方案。
(2) 关于股东和股东会
2011 年,第三次增资扩股工作的圆满完
成为本公司引入了 6 家新股东,扩充了公司
的股东队伍,但本公司仍没有控股股东。本
公司严格按照《青海银行章程》和《股东大
会议事规则》的规定召开股东大会,确保所
有股东,特别是中小股东享有平等地位。同
时,公司建立健全了与股东沟通的有效渠道
和机制,积极听取股东的意见和建议,确保
全体股东享有对公司重大事项的知情权、参
与权和表决权,充分行使股东的合法权利。
报告期内,本公司召开了 2010 年度股东大会和 2011 年第一次临时股东大会。公司按照公司章程和《股东大会议事规
则》等规章制度履行法律程序,保证了股东参会并行使表决的权利。
(3) 关于董事和董事会
本公司第三届董事会任期届满后选举产生的第四届董事会由原来的 7 人增加到 9 人,其中独立董事 2 人,分别为法律和
财务方面的专家。全体董事均为自然人,董事的任职符合《中华人民共和国公司法》、《中华人民共和国商业银行法》及中
国银监会的规定,具备履行职责所必需的知识和素质,任职资格均通过青海省银监局审核同意。
报告期内,本公司召开董事会会议 25 次,审议并表决 50 项议题。董事会在决策、授权和表决时严格按照法律法规和
公司章程的规定进行,各位董事积极履行职责,认真出席会议并审议关系公司发展的重大事项,恪尽职守、勤勉尽责,切
实维护了公司、股东和其他利益相关人的合法权益。
本公司董事会下设战略发展委员会、风险管理与关联交易控制委员会、薪酬与考核委员会、审计委员会。
中国银监会监管二部蔡江婷一行莅临青海银行玉树州分行检查指导工作。
Cai Jiangting, from the 2nd Supervision Sector of China Banking Regu-
latory Committee Visiting Yushu Prefecture Branch of Bank of Qinghai for
offering guidance.
24
二 零 一 一 年 度 报 告
公 司 治 理 状 况
青海银行股份有限公司
(4) 关于监事和监事会
本公司第四届监事会由 7 名监事组成,其任职资格和选聘程序均符合公司章程和相关法律法规的要求。报告期内,监
事会召开 4 次会议,审议并表决 15 项议题。全体监事均能认真履行工作职责,维护股东、公众、公司和员工的利益,忠实
履职,规避风险,强化监督,规范运行,努力建立科学有效的监督机制,加强组织体系建设和制度建设,进一步发挥监事
会的监管职责。
监事会下设审计委员会。
(5) 关于信息披露和投资者关系管理
报告期内,本公司严格遵守银监会下发的《商业银行信息披露办法》及本公司制定的《信息披露管理办法》的规定,
规范日常信息披露工作。及时、准确、真实、完整的披露本公司年度报告、本公司的各项重大信息、有关股东大会的信
息,确保所有的股东有平等的机会获得信息,切实维护所有股东尤其是中小股东的利益。年度报告单行本向政府机关、监
管机构、主要股东和重要客户发送,保证了重大信息披露的及时性、准确性、完整性和合法性。
同时,本公司设立专门的部门接待股东的来电、来函、来访和咨询,主动与投资者联系,增进广大投资者对本公司的
了解和信任,树立本公司诚信、稳健、规范的良好市场形象。
2、 公司经营决策体系
股东大会是本公司的最高权力机构,通过董事会、监事会进行决策、管理和监督;董事会是公司的决策机构,负责公
司重大事项的决策;监事会是公司的监督机构,负责对监事会和高级管理层进行监督;高级管理层是公司的执行机构,依
法组织开展各项经营管理活动,并接受董事会领导和监事会监督。本公司实行一级法人体制,各分支机构均为非独立核算
单位,其经营管理活动根据总行授权进行,并对总行负责。
本公司无控股股东及实际控制人。本公司与大股东在业务、人员、资产、机构、财务五方面完全独立。本公司为自主
经营、自负盈亏的独立法人,具有独立、完整的业务及自主经营能力。
3、 公司分支机构
本公司下设三家省内分行、七家管理行、一家直属支行、一家营业部、三十九家二级支行,共五十一个营业网点。
4、 公司组织机构图 (见下页 )
25
二 零 一 一 年 度 报 告
公 司 治 理 状 况
青海银行股份有限公司
26
ANNUAL REPORT 2011
Information of the Company’s Governing
BANK OF QINGHAI CO.,LTD.
1. Information of the Company’s governing
Since foundation of the Company, strictly observing the Law of the People s Republic of China on Company, Law of
the People s Republic of China on Commercial Banks, Guide to Governing of Stock Commercial Bank Company and etc.
and in combination with actual situations of the Company, the Company perfects the Company s governing structure,
and the juristic person governing structure.
(1) Perfect the fundamental system for Company governing
During the reporting period, in accordance with the latest supervision requirement and its own development demands,
the Company constantly perfects the fundamental system building for the Company s governing. At the beginning of the
year, revise the Management for Business Authorization of Bank of Qinghai and further standardize the authorization
management in the business operation activities; in the second half of the year, in accordance with the Guide to the New
Supervision Standard in the Banking Industry of China issued by the Bank Regulatory Committee of China, formulate
feasible conformity implement plan and offer feasible proposal for the Company s supervision indexes in the following 5
years.
(2) Shareholders and shareholders meeting
In the year 2011, successful completion of the 3rd time of capital increasing and share increasing introduces 6 new
shareholders to the Company and expands the Company shareholders team; however, the Company has no controlling
shareholders. The Company convenes the shareholders general meeting strictly in accordance with the Articles of
Association of Bank of Qinghai and Rules of Procedures for general meeting of shareholders to assure all shareholders,
in particular the middle and small shareholders equal status. Meanwhile, the Company establishes and perfects the
effective channel and mechanism with the shareholders, actively listens to the shareholders opinions and suggests and
ensures that all shareholders enjoy the knowing, participating and voting rights over the Company s key issues to per-
form the shareholders legal rights.
During the reporting period, the Company convenes the shareholders general meeting of 2010 and the first interim
shareholders general meeting of 2011. The Company performs the legal procedures in accordance with the Articles of
Association and Rules of Procedures for General Meeting and ensures that the participating shareholders to perform the
voting rights.
(3) Directors and board of directors
Upon expiry of the 3rd session of the Company s board of directors, the number of members of the 4th session of
board of directors is increased from 7 persons to 9 persons, 2 persons of whom are independent directors, who are
experts of law and finance. All directors are natural persons, and appointment of the directors shall be consistent with
rules in Law of the People s Republic of China on Company, Law of the People s Republic of China on Commercial
Banking and rules of the China Bank Regulatory Committee, with required knowledge and character for performing
duties, and the appointment qualification shall be reviewed and consented by the Banking Regulatory Administration of
Qinghai Province.
27
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Information of the Company’s Governing
During the reporting period, the Company convened 25 times of meeting of the board of directors, reviewed and
voted 50 issues. The Board of Directors performed strictly in accordance with laws and the Articles of Association in
decision-making, authorization and voting, attended the conference and reviewed crucial issues related to the Company s
development, dutiful and diligent, and maintained legal rights and interests of the Company, shareholders and other
pertinent persons.
The Company s board of directors is provided with strategic development committee, risk management and related
transaction control committee, remuneration and assessment committee and audit committee.
(4) Supervisors and board of supervisors
The Company s 4th session of the board of supervisor is comprised of 7 supervisors, and the appointment qualifica-
tions and election procedures shall be consistent with the Articles of Association and related laws. During the reporting
period, the board of supervisors convened 4 conference, reviewed and votes 15 issues. All the supervisors can perform
2011 年 5 月 11 日,青海银行隆重举行小企业信贷中心开业暨签约仪式,这标志着省内第一家离行式多功能
小企业专营机构投入运行,同时也标志着青海银行在探索新的存贷款经营模式、风险控制、担保方式、利率定价、
审贷机制、还款方式、问责制度、激励机制等方面迈出了坚实的步伐。青海省副省长高云龙、副秘书长吴庆生、
青海省金融工作办公室主任鸟成云、青海省银监局纪委书记葛玉修等出席了开业仪式。
On May 11, 2011, Bank of Qinghai launched the opening and signing ceremony for the middle and small-
sized enterprise credit center, marking that the first off-bank multifunctional small enterprise operation put into
operation in the province and stepping into new depositing and loan operation mode, risk control, guarantee
means, interest rate pricing, loan review mechanism, repayment, accountability system, excitation mechanism
and etc. by Bank of Qinghai. The Deputy Head of Qinghai Province Gao Yunlong, the Deputy Secretary Gen-
eral Wu Qingsheng, the Director of the Financing Office of Qinghai Province Niao Chengyun and the Sectary of
the Discipline Inspection Committee of the Banking Regulatory Commission of Qinghai Province Ge Yuxiu and
etc. attending the opening ceremony.
28
ANNUAL REPORT 2011
Information of the Company’s Governing
BANK OF QINGHAI CO.,LTD.
the work duties, maintain rights and interests of shareholders, the public, the Company and staff, dutiful and avoiding
risks, reinforces supervision, standardizes operation and spares no efforts in establishing scientific and effective super-
vision mechanism, reinforces the organization system building and system building and performs the supervision re-
sponsibilities of the board of supervisors.
The board of supervisors is provided with audit committee.
(5) Information disclosure and management over investors’ relationship
During the reporting period, the Company strictly observes the Information Disclosure Method of Commercial Banks
issued by China Banking Regulatory Committee and the Company s formulated Information Disclosure Management to
standardize the daily information disclosure. Disclose the Company s annual report timely, accurately, authentically and
completely, the Company s key information, information related to the shareholders assembly, ensure that all sharehold-
ers can obtain information equally and maintain the shareholders in particular to the middle and small shareholders
rights and interests. Offprint of the annual report is sent to the governmental authorities, supervision body, major share-
holders and key clients to assure timeliness, accuracy, completion and legality of key information.
Meanwhile, the Company is provided with special depar tment to receive shareholders incoming cal ls,
correspondences, visiting and consultation, actively contact the investors to reinforce their knowing and trusting about
the Company and establish the Company s faithful, stable and standardized market images.
2. The Company’s decision-making system
The general meeting of shareholders is the Company s top power body, which performs decision-making, manage-
ment and supervision through the board of directors and board of supervisors; the board of directors is the Company s
decision-making body, responsible for making decisions for the Company s key issues; the board of supervisors is the
Company s supervision body, responsible for supervising the board of directors and senior management; the senior
management is the Company s executing body, performs operation activities in accordance with laws and accepts the
leadership from the board of directors and supervision from the board of supervisor. The Company performs level - 1
juristic person system, the branches are non-independent settlement bodies, and the operation management activities
are carried out in accordance with the authorization by the head bank, responsible to the head bank.
The Company has no controlling shareholders and actual controller. The Company is independent from the major
shareholders in respect of business, staff, asset, body and finance. The Company is independent juristic person operat-
ing independently and suffering from profits and losses, and has independent, complete business and self-supported
operation capabilities.
3. The Company’s branches
The Company is provided 3 in-province branches, 7 management branches, 1 directly affiliated branch, 1 business
sector, 39 level - 2 branches, and 51 business divisions in total.
4. The Company’s organization chart (see the page below)
29
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Information of the Company’s Governing
30
二 零 一 一 年 度 报 告
股 东 大 会 情 况
青海银行股份有限公司
报告期内,本公司分别召开了 2010 年度股东大会和 2011 年第一次临时股东大会。
1、 2010 年度股东大会召开情况
2011 年 3 月 22 日,本公司董事会以公告的方式将《关于召开青海银行 2010 年度股东大会的通知》刊载于《青海日报》。
2011 年 4 月 11 日,本公司召开青海银行 2010 年度股东大会。出席此次会议的股东及股东代理人所代表的股份数共计
649,637,437 股,占公司总股本的 96.83%,符合《中华人民共和国公司法》和本公司公司章程的相关规定。
会议以记名投票的方式审议通过以下议案:《青海银行董事会 2010 年度工作报告》、《青海银行监事会 2010 年度工作
报告》、《青海银行 2010 年度财务决算及 2011 年度财务预算报告》、《青海银行 2010 年度利润分配方案》、《关于变更注册
资本的议案》、《关于补选青海银行第三届董事会的议案》、《关于对董事会授权的议案》等。
2、 2011 年第一次临时股东大会召开情况
2011 年 9 月 16 日,本公司董事会以公告的方式将《关于召开青海银行 2011 年第一次临时股东大会的通知》刊载于《青
海日报》。
2011 年 10 月 10 日,本公司召开青海银行 2011 年第一次临时股东大会。出席此次会议的股东及股东代理人所
代表的股份数共计 1,840,945,955 股,占公司总股份额的 98.90%,符合《中华人民共和国公司法》和本公司公司章程的
相关规定。
会议以记名投票的方式审议通过以下议案:《青海银行第三届董事会履职报告》、《青海银行第三届监事会履职报告》、
《关于变更青海银行注册资本的议案》、《关于修改青海银行章程的议案》、《关于投资组建村镇银行的议案》、《关于选举第
四届董事会董事的议案》和《关于选举第四届监事会监事的议案》。大会选举产生了第四届董事会及第四届监事会。
格尔木分行流动银行为偏远
地区客户提供金融服务。
The circulat ing bank of
Golmud offering financing ser-
vices to customers in distant
areas.
31
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Information of the Shareholders’ GeneralMeeting
During the reporting period, the Company convened the shareholders general meeting of 2010 and the first interim
shareholders general meeting of 2011.
1. Convening of the shareholders’ general meeting of 2010
On March 22, 2011, the Company s board of directors issued the Notice on Convening the shareholders general
meeting of 2010 of Bank of Qinghai on Qinghai Daily.
On April 11, 2011, the Company convened the shareholders general meeting of 2010 of Bank of Qinghai. The
attending shareholders and shareholders agents represented 649,637,437 shares in total, which is 96.83% of total
share capital in the Company, consistent with the Law of the People s Republic of China on Company and the Company s
Articles of Association.
The Conference reviewed and passed the following proposals via open ballot: Working Report of Board of Directors
of Bank of Qinghai for the Year 2010, Working Report of Board of Supervisors of Bank of Qinghai for the Year 2010,
Financial Final Settlement of Bank of Qinghai for the Year 2010 and Financial Budget Report for the Year 2011, Profit
Distribution Proposal of Bank of Qinghai for the Year 2011, Proposal on Change of the Registered Capital, Proposal on
By-election of the 3rd Session of Board of Directors of Bank of Qinghai , Proposal on Authorization by the Board of
Directors and etc.
2. Convening of the first interim shareholders’ general meeting of 2011
On September 16, 2011, the Company issued the Notice on Convening the first interim shareholders general meet-
ing of 2011 on Qinghai Daily.
On October 10, 2011, the Company convened the first interim shareholders general meeting of 2011. The attending
shareholders and shareholders agents represent 1,840,945,955 shares, which is 98.90% of the total shares, which is
consistent with the Law of the People s Republic of China on Company and the Company s Articles of Association.
The Company reviewed and passed the following proposals in open ballot: Performance Report of the 3rd Session of
the Board of Directors of Bank of Qinghai, Performance Report of the 3rd Session of the Board of Supervisors of Bank of
Qinghai, Proposal on Change of Registered Capital of Bank of Qinghai, Proposal on Amendment to Articles of Associa-
tion of Bank of Qinghai, Proposal on Establishment of Township Bank, Proposal on Election of Directors of the 4th Session
of Board of Directors, Proposal on Election of Supervisors of the 4th Session of Board of Supervisors. The conference
elects the 4th session of the Board of Directors and the 4th session of the Board of Supervisors.
32
二 零 一 一 年 度 报 告
董 事 会 报 告
青海银行股份有限公司
1、 2011 年总体经营情况回顾
报告期内,本公司在省委、省政府的正确领导下,在人民银行、银监部门的大力支持和有效监管下,坚持以科学发展
观为指导,抢抓机遇,锐意进取,团结高效,奋力开拓,积极落实提升本公司核心竞争力的各项战略举措,取得了令人欣
喜的新成绩,为“十二五”规划开了个好局。
主要经营指标完成情况。2011 年末,本公司资产总额 3,020,384 万元,比年初增加 751,979 万元,增长 33.15%,完
成计划的 156.02%;各项存款达到了 2,514,870 万元,较年初增加 422,851 万元,增长 20.22%,完成计划的 97%;各
项贷款余额达到了 1,310,404 万元,比年初增加了 330,150 万元,增长 33.68%,完成计划的 100.8%;实现拨备前利润
58,749 万元,同比增加 29,320 万元;实现净利润 40,612.9 万元,比上年增加 23,814 万元,增长 141.68%,完成计划
的 156.02%。各项监管指标持续向好,在年内大幅增资的情况下,净资产收益率 19.16%,比上年减少了 0.2 个百分点,
完成计划的 160%;资本充足率 23.07%,比上年提升了 7.51 个百分点;拨备覆盖率达到 250.08%;不良贷款率 1.34%,
比上年又下降 0.64 个百分点。
2、 2011 年董事会工作回顾
2011 年是本公司董事会工作继往开来的一年,也是发展战略实现重大突破的一年。报告期内,董事会主要抓了以下四
方面的工作:
(1) 战略目标顺利推进。2011 年,
董事会认真贯彻落实了增资扩股、跨区
发展等一系列战略决策,取得了明显成
效,为全行改革发展注入了不竭的动力
和活力。一是实施并圆满完成了第三次
增资扩股,不仅一举解决了困扰本公司
多年的贷款集中度问题,使各项监管指
标第一次全面达标,更为本公司未来 3
- 5 年的发展奠定了坚实的资本基础。
二是发起设立首家省外村镇银行-宁夏
中宁青银村镇银行,迈出了本公司跨省
发展的第一步。三是创新设立了我省首
家离行式多功能小企业专营机构-小企
业信贷中心,在探索新的存贷款经营模
式、风险控制、担保方式、利率定价、
审贷机制、还款方式、问责制度、激励
机制等方面迈出了坚实的步伐,为今后
设立各类专营机构积累了经验,打好了
基础。
(2) 董事会顺利换届。随着三届董
事会的任期届满和第三次增资工作的圆
满完成,本公司董事会继续坚持多数董
事由股东推举的原则,通过筹备 2011 年
青海银行自成立以来,一直致力于支持地方经济发展,不断增加对周边地方经济
发展的投入力度,为地方经济发展做出了应有的贡献。图为青海银行扶持的国家
科技支撑重点项目-平安鑫海资源开发有限公司。
Since the foundation, Bank of Qinghai has been engaging in supporting the
local economic development, increasing investment on the surrounding local
economic development and contributing to the local economic development.
The figure shows the state key supported project supported by Bank of Qinghai
- Ping an Xinhai Resources Development Co., Ltd.
33
二 零 一 一 年 度 报 告
董 事 会 报 告
青海银行股份有限公司
第一次临时股东大会,选举产生了新一届董事会成员。根据业务发展的需要,第四届董事会新增了 2 名董事,董事人数达
到 9 人,进一步壮大了决策队伍。同时,为进一步加强独立董事的职能,在保持第三届董事会 1 名法律专家任独立董事的
基础上,又引进 1 名财务专家担任独立董事,改善了董事会的专业组织结构。第四届董事会全体成员任职资格均已获得监
管机构的审核批准,新当选的董事具有较高的管理水平、较强的专业能力、较好的议事意识。三、四届董事会的顺利换届,
使得本公司有力的决策体系和有效的监督体系得以持续,为各项业务的持续增长打下了长期、稳定、良好的公司治理基础。
(3) 经营效益大幅增加。2011 年本公司一个显著的经营亮点是在极其复杂的发展环境和国家从严的货币政策下,实现
了经营效益的大幅提升。在历史最高的存款准备金时期和信贷投放规模限制面前,本公司积极调整信贷投放结构,在扩大
信贷规模上求突破的基础上,不断创新思路,充分运用金融资产配置工作盘活存量贷款,确保了在从严的货币政策下,贷
款投放速度不减,增量不降,也保证了收入的稳定增长。同时,充分利用货币市场利率上扬的时机,多渠道运用闲置资金,
进一步提高综合收益水平,实现了收入的多元化增长,全年资金经营收入达到 4.22 亿元,有效支持了净利润的快速增加。
全年实现净利润 4.06 亿元,每股收益达到 0.22 元,净资产收益率达到 19.16%,实现了收益与资本的同步增长,资产经营
能力再上新台阶。
(4) 风险防范效果明显。在严峻的宏观经济形势下,董事会自始至终担负风险管控的最终责任。一是加强风险政策的
指导和落实,持续向经营管理层下达风险管控的指导性意见,并针对不同领域和重点客户,向经营管理层提出了增强全程
风险监控的具体要求,强化了董事会对业务经营的风险管控和导向功能,使风险管理工作贯彻于各项业务经营活动中,提
高了董事会风险管理工作的深度和广度,促进了风险管理水平的进一步提升;二是从提高风险防控基础能力入手,上半年
按计划完成了增资工作,在资本层面筑起了抗风险的最后堤坝。同时,根据盈利能力的提升和监管机构的要求,不断加大
损失准备计提力度,2011 年共计提各类资产减值准备金 1.8 亿元,拨备覆盖率达到 250.08%。三是抓住重点突出问题,董
事会多次会商研究,指导成立专门工作机构,通过多种有效方法,在上半年结束前基本完成了对张氏集团不良贷款的清收
保全工作,为最终解决这一问题奠定了基础,也从根本上缓解了特殊经济环境下不良贷款反弹的压力;四是严格按照监管
部门要求,结合发展实际,继续内控和案防制度活动的深入开展,督促经营管理层定期开展案件风险排查,实现了全年“零
案件”的目标。
3、 董事会日常工作情况
(1) 董事会会议召开情况
报告期内,董事会共召开 3 次现场会,22 次通讯会,共审议表决议题 50 项,董事会在职权范围内决策了一系列重要事
项,有力地推动了青海银行各项业务的发展。全体董事均能认真出席会议并审议各项议案,勤勉尽职,有效发挥决策职能,
维护全体股东和公司整体利益。
(2) 董事会对股东大会决议的执行情况
2010 年度股东大会审议通过“按净利润的 10% 提取法定盈余公积 1,679.88 万元、以可分配利润的 30% 计提一般风险
准备 7,219.26 万元和以 67,089.10 万股股份为基数,每股派发现金红利 0.1 元 (含税 )共计 6,708.91 万元”的利润分配方案,
上述法定盈余公积、一般风险准备金计提和股利派发工作已完成。
2011 年第一次临时股东大会审议通过的《关于选举第四届董事会董事的议案》和《关于选举第四届监事会监事的议案》
得到贯彻落实,选举产生的第四届董事会成员和第四届监事会成员的任职资格已获青海银监局核准通过,各位董事和监事
均已按时到岗。
34
二 零 一 一 年 度 报 告
董 事 会 报 告
青海银行股份有限公司
4、 2011 年度利润分配方案
经青海大正会计师事务所审计后确认,2011 年本公司实现净利润 40, 612. 9 万元,基本实现了在资本快速增长的同时,
效益的同步提高。根据有关法律法规和本公司章程的规定,对 2011 年税后利润作以下分配:
(1) 按照 2011 年度审计后的净利润的 10%提取法定盈余公积,共提取 4,061.29 万元;
(2) 按照财政部规定,从可分配利润中计提一般风险准备 8,941.16 万元;
(3) 以 186,139 万股股份为基数,每股派发现金红利 0.1 元 (含税 ) ;
(4) 本年及以前年度留存未分配利润留存供以后年度分配。
5、 2012 年董事会工作计划
(1) 2012 年主要经营目标为:
各项存款余额达到 300 亿元,增长 19.29%;
实现净利润 6.6 亿元,增长 63%;
净资产收益率超过 17%;
不良贷款率控制在上年水平以内 (≤ 1.34%)。
(2) 2012 年的主要任务
① 继续促进公司治理的完善
2012 年,董事会要通过继续完善相关的规章制度和持
续推进自身履职水平的提高,做到对影响公司发展的重大事
项及时、科学的决策。经营管理层充分利用多种渠道保证董
事会全面、快速地掌握经营情况和重大战略发展目标的实施
进程。董事会将与党委、监事会密切配合,在人员配备上、
机制建设上进一步提升经营管理层的整体力量,从根本上落
实高级管理人员对经营目标的责任,力保经营目标的实现。
② 严控复杂形势下的风险因素
2012 年,继续发挥本公司董事会在风险管控中的核心、指导作用和重要监督责任,重点加强行内信贷流程的建设和完
善,加强流动性风险的监测和管理。在保证自身风险防范能力较强的前提下,对现有客户群体进行梳理,对与国家宏观经
济调控政策有较大关联的高耗能、有色金属、房地产、水泥及地方政府融资平台等行业,提前理清风险防范的思路和底线,
做好风险防范应急响应措施,继续提足准备,根据经济发展形势和调控步伐的快慢,适度进行减贷、退出等风险减量准备,
保证风险可控的底线不突破,促进各项业务平稳增长。
③ 加快经营基础工作建设
在宏观经济形势更加复杂和监管政策趋严的双重压力下,2012 年董事会要坚定不移地加快战略发展目标的落实,使战
略目标的实施成为推动业务发展的强大动力。一是全面启动新一代核心业务系统的建设工作,从根本上提高业务发展的硬
实力;二是进一步加强小企业中心的作用,在体制与机制上给予充分的保障,适应国家支持中小企业和民营经济的发展要
求,逐步将小企业中心打造成为本公司的一块金字招牌和利润中心;三是不遗余力地推动分支机构建设工作,提前做好省
35
二 零 一 一 年 度 报 告
董 事 会 报 告
青海银行股份有限公司
2011 年是玉树州灾后重建的关键一年,青海银行积极响应省委、省政府的号召,积极投入到玉树重建中
去,2011 年发放重建贷款 29 笔,累计投入资金 1806 万元,为玉树灾后重建提供了充分的金融支持。图为重
建中的新校舍。
The year 2011 is a key year for reconstruction of Yushu Prefecture after the earthquake disaster. Actively
responding to answering by the Provincial Committee and the Provincial Government, Bank of Qinghai actively
engaged in the reconstruction of Yushu, issued 29 pieces of reconstruction loas with total amount of 18.06
million yuan, which offers sufficient financial support for reconstruction of Yushu after the earthquake disaster.
The figure is the new school building under reconstruction.
内主要经济发展区域和省外经济承接带地区机构建设的前期准备工作。继续开展对现有机构的优化重组,提高机构建设标
准,在功能上进一步改进,在形象上进一步提升,在服务上进一步完善。
④ 增加多元化收入渠道
国家连续出台的信贷投放规模限制政策迫使银行业要逐步转变依靠传统业务获取绝大部分收入的经营理念。因此,2012
年本公司要在巩固传统信贷业务市场份额的基础上,继续积极拓展盈利渠道,加大银行间融资市场的资金运作,创新和引
进多种金融产品,促进收入的多元化,确保股东权益的最大化。进一步提升存款的考核比重,持续强调“存款立行”的经
营方针,力争存款市场份额的稳中有升,为收入多元化提供充足的资金支持。
36
ANNUAL REPORT 2011
Report of the Board of Directors
BANK OF QINGHAI CO.,LTD.
1. Review of the general operation in the year 2011
During the reporting period, correctly led by the provincial Party committee and the provincial government, power-
fully supported and effectively supervised by the people s bank and bank regulatory committee, the Company adheres
to the outlook of scientific development, seizes opportunities, marches forwards, unifies and works efficiently, explores
and implements strategic measures for improving the Company s core competitive force and has acquired surprising
achievements, giving a good opening for the Twelfth-Five-Year Plan .
Completion of main operation indexes: at the end of the year 2011,the Company s total asset is 30,203,840 thou-
sand yuan, increasing by 7,519,790 thousand yuan than that at the beginning of the year, increasing by 33.15%, finish-
ing 156.02% of the planned values; the deposit reaches 25,148,700 thousand yuan, increasing by 4,228,510 thousand
yuan than that in the beginning of the year, increasing by 20.22%, finishing 97% of the planned values; the loan balance
reaches 13,104,040 thousand yuan, increasing by 3,301,500 thousand yuan that that in the beginning of the year, finish-
ing 100.8% of the planned values; the profit before provision is 587,490 thousand yuan, increasing by 293,200 thousand
yuan than that of the same period of the last year; the net profit is 406,129 thousand yuan, increasing by 238,140
thousand yuan, increasing by 141.68% and finishing 156.02% of the planned values. The supervision indexes are
sound, under increased capital within the year, the net asset yield rate is 19.16%, decreasing by 0.2% than that of
the last year, f inishing 160% of the planned values; the capital adequacy is 23.07%, increasing by 7.51% than
that of the last year; the provision coverage reaches 250.08%; the non-performing loan rate is 1.34%, decreasing
by 0.64% than that of the last year.
2. Review of the board of directors in the year 2011
The year 2011 is a year for the board of directors keeping going, and the year realizing crucial breakthroughs for
strategic development. During the reporting period, the board of directors seizes the work in the following 4 issues.
(1) Smooth advancement of the strategic objective. In the year 2011, the board of directors implements the capital
and share increasing, trans-regional development and other strategic decision-making and has achieved sound effects
to inject motive and vigor to the reform and development. Firstly, implement and successfully finish the 3rd time of
capital and share increasing, which solves the loan centralization bothering the Company for man years to make the
supervision indexes conformed one time and paves solid capital foundation for the Company s development in the forth-
coming 3 - 5 years. Secondly, sponsor and establish the first township bank out of the province - Ningxia Zhongning
Qingyin Rural Bank, which marches a first step to trans-provincial development. Thirdly, innovatively establish the first
off - bank multi - functional small corporate operation body - small corporate credit center in the province, a great
step for exploring new depositing and loan operation mode, risk control, guarantee mode, interest rate pricing, credit
review mechanism, repayment, responsibility response system, inspiration mechanism, which paved the foundation for
the acquired the experience for specially operating body.
(2) Successful election of the board of directors. With expiry of tenure of the 3rd session of the board of directors and
successful completion of the 3rd time of the capital increasing, the Company s board of directors continues adhering to the
principle of most directors elected by the shareholders. Members of a new session of the board of directors are elected by
37
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Report of the Board of Directors
the first interim shareholders general meeting of 2011. Based on the business development demands, 2 directors are
added for the 4th session of the board of directors and the number of directors is increased to 9 persons, and the decision-
making team has been expanded. Meanwhile, to play the function of the independent director, on the basis of holding 1
law expert as the independent director, 1 financial expert is introduced as the independent director to improve the profes-
sional organization structure of the board of directors. Qualifications of all members of the 4th session of the board of
directors have been reviewed and approved by the supervision body, and the newly elected directors have relatively high
management, strong professional capabilities and sound reviewing awareness. The successful election of the 3rd and 4th
sessions of the board of directors continues the Company s strong decision-making system and effective supervision sys-
tem and paves the long-term, stable and sound Company s governing for continuous business increasing.
(3) Sharp increasing of the operation benefits. One highlight of the Company in 2011 is sharp increasing of opera-
tion benefits under extremely complicated development environment and the tight currency policy. Before the histori-
cally highest deposit reserve ratio and the credit loan scale restriction, the Company creates new thoughts, applies
financial instruments to liquidate the inventory loan, ensures that the loan issuing rate is not reduced and the increment
is not reduced under the strict currency policy to assure stable income increasing. Meanwhile, fully utilize the opportu-
nity of increased interest rate on market, apply the spare fund in multi-channels, increase the comprehensive proceeds
level, realize diverse increasing, the whole-year fund operation income reaches 422 million yuan to support rapid in-
creasing of net profit. The whole-year net profit is 406 million yuan, proceeds per share is 0.22 yuan and the net asset
proceeds rate reaches 19.16%, which realizes synchronized increasing of proceeds and capital and the assets opera-
tion capabilities move forwards.
(4) Obvious risk prevention effects. Under severe macroscopic economic situations, the board of directors bears
the final liabilities for risk control. Firstly, reinforce guide and implementation of the risk policy, deliver the risk manage-
ment and control opinions to the management, for customers of different fields and key customers, propose the whole-
course risk monitoring requirements to the operation and management tier, reinforce the risk management and control
and guide to business operation by the board of directors and make the risk management throughout the business
operation activities, improve the depth and breadth of the risk management by the board of directors; secondly, starting
from the risk prevention and control, finish the capital increasing in the first half of the year and build the final dam
against risks at the capital tier. Meanwhile, in accordance with requirements of the profitability increasing and the super-
vision body, increase the loss reserve counting and drawing strength constantly. The assets depreciation reserve 180
million yuan was counted and drawn in the year 2011, with provision coverage rate up to 250.08%. Thirdly, seize the key
issues, through several negotiations and researches by the board of directors, guide and establish the special body,
through many effective approaches, to finish the collection and preservation of non-performing loan of Zhang s Group
before the end of the first half of the year, which paves the foundation for solving the issue and relieves the pressure of
rebounding of the non-performing loan under special economic situations; fourthly, strictly in accordance with the su-
pervision body s requirements and in combination with the development situations, continue in-depth development of
the internal control and the case prevention and control, continue to operate the periodic risk control at the management
level and realize the objective of zer o case .
38
ANNUAL REPORT 2011
Report of the Board of Directors
BANK OF QINGHAI CO.,LTD.
3. Daily work of the board of directors
(1) Convening of conference of the board of directors
During the reporting period, the board of directors convened 3 field conferences and 22 telecommunication conferences,
with 50 issues reviewed and voted. Within the scope of power, the board of directors has made a series of key issues and
advances the business development of Bank of Qinghai. All directors can attend the conference and review the proposals,
diligent and dutiful, play the decision-making functions and maintain the rights and interests of all shareholders and the
Company.
(2) Execution of resolution of the shareholders’
conference by the board of the directors
The shareholders general meeting of 2010 re-
viewed and passed the profit distribution proposal of
10% of the net pr ofit withdrawn as the legal surplus
public reserve 16,798.8 thousand yuan, 30% of the dis-
tributable profit counted and drawn as general risk pro-
vision 72,192.6 thousand yuan and 670,891.0 thousand
shares as base and cash dividend 0.1 yuan issued for
each share (tax included) and 67,089.1 thousand yuan ,
and the said legal surplus public reserve and general
risk provision counting and drawing and dividend issu-
ing have been completed.
The Proposal on Election of Directors of the 4th Ses-
sion of Board of Directors and the Proposal on Election
of Supervisors of the 4th Session of Board of Supervi-
sors reviewed and passed at the first interim shareholders general meeting of 2011 have been implemented, and the
qualifications of the elected members of the 4th session of the board of directors and the 4th session of the board of
supervisors have been approved and passed by Bank of Qinghai Regulatory Administration, and the directors and su-
pervisors take office on time.
4. Profit distribution proposal for 2011
Audited and confirmed by Qinghai Dazheng CPA Firm, the Company s net profit in 2011 is 406,129 thousand yuan,
and realizes synchronized increasing of benefits while the capital is also increased rapidly. In accordance with relevant
laws, rules and the Articles of Association, the after-tax profit for the year 2011 is distributed as follows:
(1) 10% of the net profit after audit for the year 2011 is withdrawn as the legal surplus public reserve, 40,612.9
thousand yuan withdrawn;
(2) In accordance with rules and regulations of the Ministry of Finance, the general risk provision 89,411.6 thou-
sand yuan is withdrawn from the distributable profits;
青海银行重点贷款项目之一-青海盐湖海纳化工有限公司。
One of the key projects by Bank of Qinghai - Qinghai Salt
Lake Chemical Industry Co., Ltd.
39
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Report of the Board of Directors
(3) Take 1,861,390 thousand shares as the base, and the cash dividend 0.1 yuan (tax included) is issued for each
share;
(4) The reserved undistributed profits of the current year and the previous years will be distributed in the following
years.
5. Working plan for board of directors in 2012
(1) Main operation objectives of the year 2012
The deposit savings reach 30 billion yuan, increasing by
19.29%;
Net profit is 660 million yuan, increasing by 63%;
Net assets proceeds rate over 17%;
The non-conformity rate controlled within the value of the
last year (≤ 1.34%).
(2) Main tasks in 2012
① Continue to urge perfection of the Company gov-
erning
In the year 2012, the board of directors shall continue to
perfect relevant rules and regulations and improve their per-
formance qualification and make timely and scientific deci-
sion-making for the Company s development. The operation
and management tier shall utilize several channels to ensure
that the board of directors can know the operation details in all-around issues and quickly and the implementation
progress of key strategic development objectives. The board of directors shall coordinate with the Party Committee and
the board of supervisors, increases the entire strength of the operation and management tier on staff configuration and
mechanism, assign the responsibilities of the operation objectives by senior officers and achieve the realization of the
operation objectives.
② Risk factors strictly controlled under complicated situations
In the year 2012, continue to play the core and guiding functions and the crucial supervision responsibilities of the
board of directors in the risk management and control, reinforce building and perfection of the credit flow in the bank,
and reinforce monitoring and management over the flowing risks. Under the prerequisites of assuring their own risk
prevention and control, sort out the existing clients, demarcate the thoughts and bottom line for risk prevention and
control over high-energy consumption, non-ferrous metal, real estate, cement and local government financing platform
much related to the macroscopic economic regulating policy, prepare the emergency response measures for risk pre-
vention and control, withdraw the provisions, reduce and exit for risk reduction provision in accordance with the eco-
nomic development situations and regulating rhythm. Ensure that the bottom line for risk control and prevention can not
be broken out and promote stable development of the risks.
40
ANNUAL REPORT 2011
Report of the Board of Directors
BANK OF QINGHAI CO.,LTD.
③ Speed up the operation and fundamental work building
Under the double pressure of more complicated macroscopic economic situations and strict supervision policy, in
the year 2012, the board of directors will unswervingly speed up implementation of the strategic development objectives
and make the implementation of the strategic objective become the strong motive for advancing the business development.
Firstly, start up the building of the new generation of the core business system to improve the hard strength for improv-
ing business development; secondly, reinforce the functions of the small-sized enterprises, offer sufficient guarantee in
respect of system and mechanism to adapt the requirements on supporting the middle and small-sized requirements
and non-governmental supported economy, and build the small-sized enterprise center into the Company s golden brand
and profit center; thirdly, spare no efforts in advancing building of the branches, make preparations for the pre-stage
preparation for the main economic development area in the province and undertaking the economic transition belt from
other provinces. Continue to develop optimization and reconstruction of the existing body, improve the building stan-
dards of the body, improve functions, and enhance images and perfect services.
④ Increase the d iverse income
channels
The state s continuously issued credit
loan scale restriction forces the bank to
change the mind of acquiring most income
with the traditional business. Therefore, in
the year 2012, based on solidifying the tra-
ditional credit loan business market share,
the Company shall expand the profitability
channels, enhance the capital operation in
the inter-bank financial market, creates and
introduces multiple financial products, pro-
motes diverse income and assures maximi-
zation of shareholders rights and interests.
Improve the assessment proportion of the
deposit, adhere to the operation guideline
of depositing for developing bank and
strive for increasing the deposit market share
and offer sufficient fund support for diverse
income.
玉树 4.14 地震 1 周年之际,青海银行玉树州分行员工走上街头,向群众宣传
国家金融政策。
On the 1-year anniversary of the April 14 Earthquake in Yushu Prefecture,
the staff of Yushu Prefecture of Bank of Qinghai publicizing the state fi-
nancing policy to the mass on the street.
41
二 零 一 一 年 度 报 告
监 事 会 报 告
青海银行股份有限公司
1、 2011 年监事会工作情况
报告期内,第三届监事会任期届满,本公司紧紧抓住第三次增资扩股完成的有利时机,结合自身公司治理的需要,及
时进行了监事会的换届选举,顺利实现了新、老监事会工作的平稳过渡,确保了监事会日常工作的有效衔接和正常运转。同
时,监事会不断加强自身建设,提高履职能力,将监事会组成人员由原来的 5 人增加到 7 人,为进一步完善本公司治理结
构奠定了坚实的基础。2011 年内,全体监事均能够勤勉尽职,本着对股东高度负责的态度,积极参加本公司历次股东大会、
列席董事会,对本公司董事会、高级管理层履职情况以及财务状况进行监督,维护股东的合法权益。监事会成员还经常与
董事、高级管理层和监管部门进行积极沟通,积极配合、支持董事会和经营层的各项工作。2011 年本公司监事会共召开会
议 4 次,审议了涉及年度报告、财务预算方案、利润分配方案以及监事会相关工作报告等 15 项议案,较好的发挥了监事会
的监督作用。
2、 积极履行职责,推进监督检查
报告期内,监事会结合本公司业务发展实际,紧紧把握风险防范和监督检查方向,一是充分发挥“观察员”和“监
督员”作用,通过列席各种会议、约见谈话、民主评议、质询等多种方式,全面考核董事忠实守信、勤勉尽职、合规履
职方面的表现;考核高管在业务技能、处理复杂问题以及长期承诺和责任心方面的表现。二是重点专注第三次增资扩股
工作和跨区域发展等重大项目的落地实施,密切关注贷款集中度压缩和重大不良资产处置等风险管控工作,对实施状况
及效果进行评估,提示风险隐患,并充分发表意见和建议。三是推进对本公司经营管理工作的监督检查,监事会会同董
事会组织并指导内部审计部门对全行所属各单位经营活动和财务收支的合法性、真实性、有效性开展了常规审计和突击
检查,对全辖的信息科技风险和内部管理开展了专项审计,对管理人员的离职开展了离职审计,并就审计中发现的问题
整改落实情况进行后续跟踪检查,并且对监督检查中发现的问题及时向经营层和管理层进行反馈,定期进行后续检查,确
保监督检查不落空。
3、 监事会就有关事项发表的独立意见
监事会出席了股东大会,列席了董事会,依法对本公司进
行了监督。监事会认为,报告期内,本公司经营决策程序合法
有效,董事及高级管理层成员在业务经营及管理过程中谨慎、
认真、勤勉,未发现任何违反法律、法规、公司章程或损害公
司及股东利益的行为。
本年度财务报告已经青海大正会计师事务所有限公司审
计,并出具标准无保留意见审计报告。财务报告真实、客观地
反映了本公司的财务状况和经营成果。
报告期内本公司无重大资产收购和出售情况。
报告期内,本公司的关联交易公平合理,未发现损害股东
权益及本公司利益的情况。
本公司内部控制完整、合理、有效。
4、 2012 年监事会工作重点
2012 年,是新一届监事会全面履新的第一年,是青海银行将面临更多压力和挑战的一年,同时也是风险管控任务更加
繁重的一年。为此,监事会将根据银监会的相关要求和本公司的实际,确立以风险管控为本年度监督检查的重点,不断完善
监督管理手段,推进各项监督检查,持续加强自身建设,切实推进青海银行快速、平稳、有效地实施各项战略目标。
青海银行组织员工积极开展反假币业务宣传。
Bank of Qinghai organizing the staff to develop the
publicity against counterfeit currency.
42
ANNUAL REPORT 2011
Report of the Board of Supervisors
BANK OF QINGHAI CO.,LTD.
1. Work of the board of supervisors
During the reporting period, upon expiry of tenure of the 3rd session of the board of supervisors, the Company
seizes the advantageous opportunity on completion of the 3rd time of the capital and share increasing, in combination
with the demands of the company governing, performs the election of the board of supervisors and realizes the smooth
transition between the new and old board of supervisors and assure effective connection and regular operation of the
board of supervisors. Meanwhile, the board of supervisors reinforces their own building, improves their own perfor-
mance capabilities, and the number of members of the board of supervisors is increased from 5 persons to 7 persons,
which paves solid foundation for perfecting the Company s governing structure. In the year 2011, on the basis of being
highly responsible to the shareholders, all the supervisors are diligent, actively participate in the Company s sharehold-
ers general meeting, attend the conference of the board of directors, supervise performance of the Company s board of
directors and senior management and the financial situations and maintain the shareholders legal rights and interests.
Members of the board of directors actively communicate with directors, senior managers and the supervision body and
assist and support work of the board of directors and the operation tier. In the year 2011, the Company s board of
supervisors convened 4 conferences, involving annual report, financial budget, profit distribution proposal and work of
the board of supervisors and 15 proposals in total to play the supervision function of the board of supervisors.
2. Actively perform duties and advance supervision check
During the reporting period, in combination with the development details of the Company s business, the board of
supervisors seizes the risk prevention and control and supervision and check. Firstly, assess the directors loyalty,
diligence and conformity performance by attending the conference, communication, democratic assessment, inquiry
and etc.; asses the senior managers performances of business skill, handling complicated issues and long-term
commitment and responsibility. Secondly, focus on implementation of the 3rd time of the capital and share increasing
and trans-regional development, concern the load concentration compression and disposal of key non-conformed
assets, assess the risk management and control, remind the risk hidden troubles and release opinions and suggestions.
Thirdly, advance supervision and check over the Company s operation management, the board of supervisors and the
board of directors organize and guide the internal audit department to perform regular audit and unexpected check
over legality, authenticity and effectiveness for operation activities and financial expenditures of the affiliated bodies,
develop special audit for the competent information science& technology risks and internal management, develop
resignation audit for the leaving staff, perforce follow-up track and check of problems discovered in the audit, offer
feedback to the operation tier and management tier regarding problems in the supervision and check, regularly exer-
cises the subsequent check and ensure that the supervision and check can work.
3. The board of supervisors issuing independent opinions regarding pertinent issues
The board of supervisors attend the shareholders general meeting, appear in the conference of the board of direc-
tors without voting rights and supervises the Company. The board of supervisors thinks that, during the reporting period,
the Company s operation and decision-making procedures are legal and effective, and the directors and the senior
officers are cautious, careful and diligent in business operation and management, without discovering any behaviors
breaching laws, rules , the articles of association or impairing the Company and the shareholders rights and interests.
43
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Report of the Board of Supervisors
青海银行首台藏汉双语种 ATM机在玉树灾
区正式投入使用,切实提高了玉树灾后重建及藏
区农牧民金融服务水平,为灾区重建家园及藏区
农牧民经济发展量身打造适应性金融产品和金融
服务。
The first bi-lingual Chinese and Zang
Language AMT machine of Bank of Qinghai
was put into use in Yushu disaster area, im-
proving the financial service for reconstruc-
tion after the earthquake disaster and for
herdsman in the Tibetan, and create adapt-
able financial products and financial ser-
vices for reconstruction of homeland and the
development of economic development for
farmer and herdsman in Tibetan.
The annual report has been audited by Qinghai Dazheng CPA Firm Co., Ltd., issued with the audit report without
reserved opinions. The financial report reflects the Company s financial situations and operation results authentically
and objectively.
The Company does not incur key assets purchasing and sales during the reporting period.
During the reporting period, the Company s related transactions are fair and proper, without discovering impairing
shareholders rights and interests and the Company s interests.
The Company s internal control is complete, proper and effective.
4. Key working points of the board of supervisors in 2012
The year 2012 is a year for a new session of the board of supervisors to perform their duties, and Bank of Qinghai
will face more pressure and challenges with more heavy risk management and control. For such a purpose, the board of
supervisor, in accordance with relevant requirements of the banking regulatory committee and the actual situations of
the Company, establishes the risk management and control as the key for supervision and check this year, constantly
perfects the supervision and management means, promotes the supervision and check, reinforces their own building
and realize Bank of Qinghai s strategic objectives rapidly, stably and effectively.
44
二 零 一 一 年 度 报 告 ANNUAL REPORT 2011
重 要 事 项
青海银行股份有限公司
报告期内,本公司的关联交易为对股东的贷款、存款及承兑汇票,所有关联方贷款均按相关法律规定及本公司贷款条
件、审核程序进行发放,并正常还本付息,对本公司的经营成果和财务状况无任何负面影响。
During the reporting period, the Company s related transactions are loans and deposits to shareholders and accep-
tance drafts, and all related parties loans are issued in accordance with relevant laws and the Company s loan condi-
tions and audit procedures with expected principal and interest repayment, without any negative influences on the
Company s operation achievements and financial situations.
Key Issues
44 青海银行股份有限公司
45
二 零 一 一 年 度 报 告
财 务 报 告
青海银行股份有限公司
本公司年度财务报告经青海大正会计师事务所有限公司注册会计师吴海泉、伍常青根据中国注册会计师独立审计准则,
实施了审计工作,审计报告和经审计确认后的财务会计报表如下:
审 计 报 告
大正会师审字 (2012)第 53 号
青海银行股份有限公司全体股东:
我们审计了后附的青海银行股份有限公司 (以下简称贵公司 )财务报表,包括 2011 年 12 月 31 日的资产负债表、2011 年
度的利润表和现金流量表以及财务报表附注。
一、管理层对财务报表的责任
按照《企业会计准则》的规定编制财务报表是贵公司管理层的责任。这种责任包括:(1)设计、实施和维护与财务报表
编制相关的内部控制,已使财务报表不存在由于舞弊或错误而导致的重大错报;(2)选择和运用恰当的会计政策;(3)作出合
理的会计估计。
二、注册会计师责任
我们的责任是在实施审计工作的基础上对财务报表发表审计意见。我们按照中国注册会计师审计准则的规定计划执行
了审计工作,中国注册会计师审计准则要求我们遵守职业道德规范,计划和实施审计工作以对财务报表是否不存在重大错
报获取合理保证。
审计工作涉及实施审计程序,以获取有关财务报表金额和披露的审计证据。选择的审计程序取决于注册会计师的判断,
包括对由于舞弊或错误导致的财务报表重大错报风险的评估。在进行风险评估时,我们考虑与财务报表编制相关的内部控
制,以设计恰当的审计程序,但目的并非对内部控制的有效性发表意见。审计工作还包括评价管理层选用会计政策的恰当
性和作出会计估计的合理性,以及评价财务报表的总体列报。
我们相信,我们获取的审计证据是充分、适当的,为发表审计意见提供了基础。
三、审计意见
贵公司财务报表已经按照《企业会计准则》的规定编制,在所有重大方面公允地反映了贵公司 2011 年 12 月 31 日的财
务状况以及 2011 年度的经营成果和现金流量。
青海大正会计师事务所有限公司 中国注册会计师:
中国·青海 中国注册会计师:
二○一二年一月三十一日
46
二 零 一 一 年 度 报 告
财 务 报 告
青海银行股份有限公司
资产负债表
单位:人民币元
资 产 期末余额
资 产:
现金及存放中央银行款项 5,923,171,225.84
存放同业款项 2,744,595,775.31
贵金属 1,794,587.00
拆出资金
交易性金融资产 3,913,657,557.45
衍生金融资产
买入返售金融资产 1,996,714,233.45
应收利息 933,346.24
发放贷款和垫款 12,644,821,332.65
可供出售金融资产 793,591,017.29
持有至到期投资 1,395,728,456.65
长期股权投资 18,519,391.74
投资性房地产
固定资产 160,525,306.31
在建工程 54,452,360.00
无形资产 14,507,292.15
递延所得税资产 2,750,000.00
其他资产 538,077,299.80
资产合计 30,203,839,181.88
47
二 零 一 一 年 度 报 告
财 务 报 告
青海银行股份有限公司
资产负债表 (续 )
单位:人民币元
负债和股东权益 期末余额
负 债:
向中央银行借款
同业及其他金融机构存放款项 1,230,000,000.00
拆入资金
交易性金融负债
衍生金融负债
卖出回购金融资产款
吸收存款 25,227,525,865.97
应付职工薪酬 46,524,146.83
应交税费 70,535,427.95
应付利息 83,583,716.99
预计负债
应付债券
递延所得税负债 30,371,533.50
其他负债 313,311,389.11
负债合计 27,001,852,080.35
所有者权益
实收资本 (或股本 ) 1,861,391,038.00
资本公积 687,247,476.27
减:库存股
盈余公积 88,727,108.06
一般风险准备 192,081,506.41
未分配利润 372,539,972.79
所有者权益合计 3,201,987,101.53
负债和所有者权益总计 30,203,839,181.88
48
二 零 一 一 年 度 报 告
财 务 报 告
青海银行股份有限公司
损益表
单位:人民币元
项 目 期末数
一、营业收入 1,466,280,597.98
1、贷款利息收入 612,466,031.11
2、金融机构往来利息收入 587,810,731.77
3、手续费收入 30,920,116.38
4、投资收益 208,712,544.23
5、其他业务收入 452,368.23
6、汇总损益 577,526.26
7、公允价值变动损益 25,341,280.00
二、营业支出 894,110,938.26
1、利息支出 491,758,627.32
2、金融机构往来利息支出 288,236,778.41
3、手续费支出 1,596,503.94
4、业务及管理费 182,665,899.79
5、提取准备 181,361,365.99
6、其他营业支出 353,250.40
7、外汇业务支出
8、营业税金及附加 36,375,290.82
三、营业利润 572,169,659.72
加:营业外收入 2,204,471.07
减:营业外支出 2,569,586.46
四、利润总额 571,804,544.33
减:所得税 165,675,664.75
加:以前年度损益调整
五、净利润 406,128,879.58
49
二 零 一 一 年 度 报 告
财 务 报 告
青海银行股份有限公司
现金流量表
单位:人民币元
项 目 本期金额
一、经营活动产生的现金流量:
客户存款和同业存放款项净增加额 8,242,240,540.73
向中央银行借款净增加额
收取利息、手续费及佣金的现金 1,230,927,868.44
收到其他与经营活动有关的现金 406,047,620,148.57
经营活动现金流入小计 415,520,788,557.74
客户贷款及垫款净增加额 3,301,496,387.20
存放中央银行和同业款项净增加额 3,554,719,521.63
支付利息、手续费及佣金的现金 468,207,900.44
支付给职工以及为职工支付的现金 73,689,077.82
支付的各项税费 122,515,781.03
支付其他与经营活动有关的现金 405,213,793,887.67
经营活动现金流出小计 412,734,422,555.79
经营活动产生的现金流量净额 2,786,366,001.95
二、投资活动产生的现金流量:
收回投资收到的现金 31,239,515,825.20
取得投资收益收到的现金 209,793,152.50
处置固定资产、无形资产和其他长期资产所收回的现金净额 73,000.00
投资活动现金流入小计 31,449,381,977.70
购建固定资产、无形资产和其他长期资产所支付的现金 9,691,818.85
投资支付的现金 27,563,660,817.90
支付其他与投资活动有关的现金 5,758,062,465.97
投资活动现金流出小计 33,331,415,102.72
投资活动产生的现金流量净额 -1,882,033,125.02
三、筹资活动产生的现金流量:
吸收投资收到的现金 1,821,465,000.00
发行债券收到的现金
收到其他与筹资活动有关的现金
筹资活动现金流入小计 1,821,465,000.00
偿还债务所支付的现金
分配股利、利润或偿付利息所支付的现金 60,180,121.85
支付其他与筹资活动有关的现金
筹资活动现金流出小计 60,180,121.85
筹资活动产生的现金流量净额 1,761,284,878.15
四、汇率变动对现金及现金等价物的影响
五、现金及现金等价物净增加额 2,665,617,755.08
加:期初现金及现金等价物余额 7,998,863,479.52
六、期末现金及现金等价物余额 10,664,481,234.60
50
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Financial Report
The Company s financial report of this year is audited by CPA Wu Haiquan, Wu Changqing of Qinghai Dazheng
Accountant Firm Co., Ltd. in accordance with the independent audit code of CPA. The audit report and the financial and
accounting statements after audit confirmation are given below:
Audit ReportDZKSSZ(2012)NO.53
To all the Shareholders of Bank of Qinghai Co., Ltd.:
We have audited the attached financial report forms of Bank of Qinghai Co., Ltd. (hereinafter called company), includ-
ing balance sheet on December 31, 2011, profit sheet, cash flow sheet and annotation for financial reporting for 2011.
I. Responsibility for accounting reporting forms by the management
According to the provisions of the Accounting Standards for Enterprises to prepare financial statements are the
responsibility of the company s management. These responsibilities include: (1) Design, perform and maintain relevant
internal control related to compilation of the financial reporting forms to make the forms without great mistake by em-
bezzlement or mistake; (2) Select and use appropriate accounting policy; (3) Make reasonable accounting estimate.
II. CPA’s responsibility
Our responsibility is to make comment based on auditing the reporting form. We have performed according to
auditing principle for China s CPA, which requires us to observe vocational and moral standard, plan and perform audit
and without key mistake.
Audit involves audit proof and audited amount and disclosed audit proof. The selected audit procedure depends on
CPA s judge, including assessment on possible key mistake by embezzlement or mistake. When assessing risk, we will
consider relevant internal control related to compilation of the reporting form and appropriate audit procedure, but not to
make comment on validity of internal control. Audit also includes correction of accounting policy and reasonability of
accounting estimate and comment on the whole reporting forms.
We believe that the audit proof obtained by us is sufficient and reasonable and paves the way for making audit
comment.
III. Audit comment
The company financial statements in accordance with the Accounting Standards for Enterprises has been compil-
ing the provisions,In all significant respects fair reflects the company December 31, 2011 financial situation and 2011
annual operating results and cash flows.
Qinghai Dazheng Certified Public Accountants Co., Ltd China s Registered Accountant:
China Qinghai
China s Registered Accountant:
January 31, 2012
51
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Financial Report
Balance SheetUnit: RMB yuan
Assets Balance at term end
Assets:
Cash and balances with central bank 5,923,171,225.84
Due from bank 2,744,595,775.31
Precious metal 1,794,587.00
Interbank Lending
Held-for-trading financial assets 3,913,657,557.45
Derivative financial assets
Financial assets purchased under agreements to resell 1,996,714,233.45
Interest receivable 933,346.24
Loans and advances to customers 12,644,821,332.65
Available-for-sale financial assets 793,591,017.29
Held-to-maturity investments 1,395,728,456.65
Long-term equity investment 18,519,391.74
Investment properties
Fixed assets 160,525,306.31
Construction in progress 54,452,360.00
Intangible assets 14,507,292.15
Deferred income tax assets 2,750,000.00
Other asset 538,077,299.80
Total assets 30,203,839,181.88
52
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Financial Report
Balance Sheet (continued)Unit: RMB yuan
Liabilities and owner’s equity Balance at term end
Liabilities:
Borrowings from central bank
Due to banks and other financial institutions 1,230,000,000.00
Interbank Borrowings
Held-for-trading financial liabilities
Derivative financial liabilities
Assets sold under agreements to repurchase
Customer bank deposits 25,227,525,865.97
Staff remuneration payables 46,524,146.83
Tax payable 70,535,427.95
Interest payable 83,583,716.99
Estimated liabilities
Bonds payable
Deferred income tax liabilities 30,371,533.50
Other liabilities 313,311,389.11
Total liabilities 27,001,852,080.35
Equity of owner
Paicl-up capital(or Stock capital) 1,861,391,038.00
Capital reserves 687,247,476.27
Minus: Treasury stock
Surplus reserves 88,727,108.06
General risk provisions 192,081,506.41
Undistributed profit 372,539,972.79
Total Minor Shareholder’s equity 3,201,987,101.53
Total liability and equity of owner 30,203,839,181.88
53
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Financial Report
Income statementUnit: RMB yuan
Item Ending balance
I. Operation Income 1,466,280,597.98
1.Loan Interest income 612,466,031.11
2.Interest income from financial institutes 587,810,731.77
3.fee income 30,920,116.38
4.Investment Income 208,712,544.23
5.other business income 452,368.23
6.consolidated profit and loss 577,526.26
7.The profits and losses on the changes in fair value 25,341,280.00
II. Operating expenses 894,110,938.26
1.interest expense 491,758,627.32
2.Interest payments from financial institutes 288,236,778.41
3.Fees expense 1,596,503.94
4.Business and management fee 182,665,899.79
5.provisioning 181,361,365.99
6.Other business expenses 353,250.40
7.Foreign exchange business expenses
8.business tariff and annex 36,375,290.82
III. Operating income 572,169,659.72
Plus: Non business income 2,204,471.07
Minus: Non business expenditure 2,569,586.46
IV. Total Profit 571,804,544.33
Minus: Income tax 165,675,664.75
Plus: adjustment of loss and gain for previous years
V. Net profit 406,128,879.58
54
ANNUAL REPORT 2011
BANK OF QINGHAI CO.,LTD.
Financial Report
Cash-flow StatementUnit: RMB yuan
Item Amount of this year
I. Cash flow from operational activities:
Net increase in customer bank deposits and due to banks and other financial institutions 8,242,240,540.73
Net increase in borrowings from central bank
Cash from charging interest, handling charge and commission 1,230,927,868.44
Other cash received concerning operating activities 406,047,620,148.57
Subtotal cash flow-in from operational activities 415,520,788,557.74
Net increase in loans and advances to customers 3,301,496,387.20
Net increase in deposits with central bank and other financial institutions 3,554,719,521.63
Cash for paying interest, handling charge and commission 468,207,900.44
Cash paid to and on behalf of employees 73,689,077.82
Cash paid for taxes and surcharges 122,515,781.03
Cash paid for other operating activities 405,213,793,887.67
Subtotal cash flow-out from operational activities 412,734,422,555.79
Net cash flows from operating activities 2,786,366,001.95
II. Cash flow from investment activities:
Cash received from disposal of investments 31,239,515,825.20
Cash received from getting investment benefit 209,793,152.50
Net value of cash from disposal of fixed assets, intangible assets and
other long-term assets73,000.00
Subtotal of cash flow-in from investment activities 31,449,381,977.70
Cash disbursed for buying fixed assets, intangible assets and other long-term assets 9,691,818.85
Cash disbursed for investment 27,563,660,817.90
Other disbursed cash related with investment activities 5,758,062,465.97
Subtotal cash flow-out from investment activities 33,331,415,102.72
Net amount of cash flow generated from investment activities -1,882,033,125.02
III. Cash flow generated from financing activities
Cash received from absorbing investment 1,821,465,000.00
Cash received from issuing bonds
Other received cash related with financing activities
Subtotal of cash flow-in from financing activities 1,821,465,000.00
Cash disbursed for clearing debt
Cash disbursed for distributing dividend, profit, and paying interest 60,180,121.85
Other disbursed cash related with financing activities
Subtotal of cash flow-out from financing activities 60,180,121.85
Net amount of cash flow generated from financing activities 1,761,284,878.15
IV. Effect of changes in foreign exchange on cash and cash equivalents
V. Net added value of cash and cash equivalents 2,665,617,755.08
Plus: balance of cash and cash equivalence at the beginning of the period 7,998,863,479.52
VI. Balance of cash and cash equivalence at the end of the period 10,664,481,234.60
55
序号 分支机构名称 地 址 联系电话
1 青海银行股份有限公司总行营业部 西宁市黄河路 36 号 8163807
2 青海银行股份有限公司格尔木分行 格尔木市江源南路 18 号 8435222
3 青海银行股份有限公司格尔木昆仑支行 格尔木市昆仑路与育红巷十字 8421818
4 青海银行股份有限公司玉树藏族自治州分行 玉树县结古镇民主路 14 号 8828270
5 青海银行股份有限公司海南藏族自治州分行 共和县恰不恰镇团结北路 15 号 8512709
6 青海银行股份有限公司黄河电力支行 西宁市五四西路 43 号 6321356
7 青海银行股份有限公司胜利支行 西宁市胜利路 31 号 6112674
8 青海银行股份有限公司小桥大街支行 西宁市小桥大街 28 号 5130062
9 青海银行股份有限公司胜利路支行 西宁市胜利路 66 号 6133888
10 青海银行股份有限公司朝阳支行 西宁市朝阳东路 5 号 5500129
11 青海银行股份有限公司北山支行 西宁市北山家具市场 8458160
12 青海银行股份有限公司生物园支行 西宁市宁张路 43 号 5318313
13 青海银行股份有限公司西钢支行 西宁市柴达木西路 52 号 5216969
14 青海银行股份有限公司海湖新区支行 西宁市西川南路 113 号 6331805
15 青海银行股份有限公司昆仑桥支行 西宁市昆仑路 8 号 6123638
16 青海银行股份有限公司南关街支行 西宁市南关街 40-2 号 8237623
17 青海银行股份有限公司甘河工业园支行 西宁市甘河工业园区 2291338
18 青海银行股份有限公司多巴支行 湟中县多巴镇新墩南路 2297181
19 青海银行股份有限公司古城台支行 西宁市五四大街 31 号 6313381
20 青海银行股份有限公司同仁路支行 西宁市同仁路 10 号 6141247
21 青海银行股份有限公司海湖支行 西宁市海湖路 16 号 6312249
22 青海银行股份有限公司五四西路支行 西宁市五四西路 12 号 6303141
23 青海银行股份有限公司西关大街支行 西宁市西关大街 39 号 6143003
24 青海银行股份有限公司西川南路支行 西宁市西部综合市场 A89 号 6313196
25 青海银行股份有限公司城中支行 西宁市长江路 6 号 8244042
26 青海银行股份有限公司信通支行 西宁市胜利路 1 号 6100297
二 零 一 一 年 度 报 告
青 海 银 行 各 分 支 机 构
青海银行股份有限公司
56
序号 分支机构名称 地 址 联系电话
27 青海银行股份有限公司黄河路支行 西宁市黄河路 26-1 号 6108017
28 青海银行股份有限公司北大街支行 西宁市解放路 2 号 8210234
29 青海银行股份有限公司西大街支行 西宁市西大街 43 号 8236892
30 青海银行股份有限公司南大街支行 西宁市南大街 18 号 8247306
31 青海银行股份有限公司城西支行 西宁市五四大街 70 号 6151006
32 青海银行股份有限公司五四大街支行 西宁市五四大街 72 号 6117981
33 青海银行股份有限公司南川西路支行 西宁市南川西路 39 号 6255273
34 青海银行股份有限公司昆仑路支行 西宁市昆仑路 23 号 6158974
35 青海银行股份有限公司西关桥支行 西宁市黄河路 90 号 6144332
36 青海银行股份有限公司高槽巷支行 西宁市高槽巷 12 号 6156285
37 青海银行股份有限公司新宁广场支行 西宁市西关大街 57 号 6117393
38 青海银行股份有限公司五一路支行 西宁市五一路 36 号 8454005
39 青海银行股份有限公司南小街支行 西宁市南小街国际村 2 号 8148301
40 青海银行股份有限公司七一路支行 西宁市七一路 252 号 9172818
41 青海银行股份有限公司东关大街支行 西宁市东关大街 112 号 8176531
42 青海银行股份有限公司城东支行 西宁市大众街 292-12 号 8124705
43 青海银行股份有限公司祁连路支行 西宁市祁连路 137-3 号 8171493
44 青海银行股份有限公司站东支行 西宁市互助西路 145 号 8172619
45 青海银行股份有限公司建国路支行 西宁市建国路 2 号 8133931
46 青海银行股份有限公司互助路支行 西宁市互助路小商品批发市场 8171277
47 青海银行股份有限公司八一路支行 西宁市八一中路 58 号 8808832
48 青海银行股份有限公司德令哈路支行 西宁市德令哈路 195 号 8149494
49 青海银行股份有限公司开发区支行 西宁市开元路 22 号 8817385
50 青海银行股份有限公司城南新区支行
51 青海银行股份有限公司交通巷支行
西宁市电话区号:0971 格尔木市电话区号:0979 玉树州电话区号:0976
海南州电话区号:0974 湟中县电话区号:0972
二 零 一 一 年 度 报 告
青 海 银 行 各 分 支 机 构
青海银行股份有限公司
57
The Branches of Bank of Qinghai
Contact
No. Company name of after changing Business Address Phone
1Banking Department Of Head Office, Bank of Qinghai
No.36, Huanghe Road, , Xining City 8163807Co., Ltd.
2 Golmud Branch, Bank of Qinghai Co., Ltd. No.18, Jiangyuannan Road, Golmud City 8435222
3 Golmud Kunlun Sub-Branch, Bank of Qinghai Co., Ltd.Cross of Kunlun Road and Yuhong
8421818Lane of Golmud City
4Yushu Tibetan Autonomous Prefecture Branch, Bank of No.14, Minzhu Road, Jiegu Town,
8828270Qinghai Co., Ltd. Yushu County
5Hainan Tibetan Autonomous Prefecture Branch, Bank No.15, Tuanjie North Road, Qiabuqia
8512709of Qinghai Co., Ltd. Town, Gonghe County
6 Huanghe Power Sub-Branch, Bank of Qinghai Co., Ltd. No.43, Wusi West Road, Xining City 6321356
7 Shengli Sub-Branch, Bank of Qinghai Co., Ltd. No.31, Shengli Road, Xining City 6112674
8 Xiaoqiao street Sub-Branch, Bank of Qinghai Co., Ltd. No.28, Xiaoqiao Street, Xining City 5130062
9 Shengli Road Sub-Branch, Bank of Qinghai Co., Ltd. No.66, Shengli Road, Xining City 6133888
10 Zhaoyang Sub-Branch, Bank of Qinghai Co., Ltd. No.5, Zhaoyangdong Road, Xining City 5500129
11 Beishan Sub-Branch, Bank of Qinghai Co., Ltd. Beishan Furniture Market, , Xining City 8458160
12 Shengwuyuan Sub-Branch, Bank of Qinghai Co., Ltd. No.43, Zhang Road, Xining City 5318313
13 Xigang Sub-Branch, Bank of Qinghai Co., Ltd. No.52, Chaidamu West Road, Xining City 5216969
14Haihu New District Sub-Branch, Bank of Qinghai
No.113, Xichuan South Road , Xining City 6331805Co., Ltd.
15 Kunlunqiao Sub-Branch, Bank of Qinghai Co., Ltd. No.8, Kunlun Road , Xining City 6123638
16 Nanguan Street Sub-Branch, Bank of Qinghai Co., Ltd. No.40-2, Nanguan Street , Xining City 8237623
17Ganhe Industrial Park Sub-Branch, Bank of Qinghai
Ganhe Industrial Park, Xining City 2291338Co., Ltd.
18 Duoba Sub-Branch, Bank of Qinghai Co., Ltd.Xindun South Road, Duoba Town,
2297181Huangzhong County
19 Guchengtai Sub-Branch, Bank of Qinghai Co., Ltd. No.31, Wusi Street, Xining City 6313381
20 Tongren road Sub-Branch, Bank of Qinghai Co., Ltd. No.10, Tongren Road, Xining City 6141247
21 Haihu Sub-Branch, Bank of Qinghai Co., Ltd. No.16, Haihu Road, Xining City 6312249
22 Wusi West Road Sub-Branch, Bank of Qinghai Co., Ltd. No.12, Wusi West Road , Xining City 6303141
23 Xiguan Street Sub-Branch, Bank of Qinghai Co., Ltd. No.39, Xiguan Street, Xining City 6143003
24Xichuan South Road Sub-Branch, Bank of Qinghai No.A89, Xibuzhonghe Market,
6313196Co., Ltd. Xining City
25 Chengzhong Sub-Branch, Bank of Qinghai Co., Ltd. No.6, Changjiang Road, Xining City 8244042
26 Xintong Sub-Branch, Bank of Qinghai Co., Ltd. No.1, Shengli Road, Xining City 6100297
27 Huanghe Road Sub-Branch, Bank of Qinghai Co., Ltd. No.26-1, Huanghe Road, Xining City 6108017
ANNUAL REPORT 2011
The Branches of Bank of Qinghai
BANK OF QINGHAI CO.,LTD.
58
The Branches of Bank of Qinghai (continued)
Contact
No. Company name of after changing Business Address Phone
28 North Street Sub-Branch, Bank of Qinghai Co., Ltd. No.2, Jiefang Road, Xining City 8210234
29 West Street Sub-Branch, Bank of Qinghai Co., Ltd. No.43, West Street, Xining City 8236892
30 South Street Sub-Branch, Bank of Qinghai Co., Ltd. South Street, Xining City 8247306
31 Chengxi Sub-Branch, Bank of Qinghai Co., Ltd. NO.70, Wusi Street, Xining City 6151006
32 Wusi Street Sub-Branch, Bank of Qinghai Co., Ltd. No.72, Wusi Street, Xining City 6117981
33Nanchuan West Road Sub-Branch, Bank of Qinghai No.39, Nanchuan West Road,
6255273Co., Ltd. Xining City
34 Kunlun Road Sub-Branch, Bank of Qinghai Co., Ltd. NO.23, Kunlun Road, Xining City 6158974
35 Xiguanqiao Sub-Branch, Bank of Qinghai Co., Ltd. No.90, Huanghe Road, Xining City 6144332
36 Gaocaohang Sub-Branch, Bank of Qinghai Co., Ltd. No.12, Gaocaohang, Xining City 6156285
37 Xinning Square Sub-Branch, Bank of Qinghai Co., Ltd. NO.57, Xiguan Street, Xining City 6117393
38 Wuyi Road Sub-Branch, Bank of Qinghai Co., Ltd. No.36, Wuyi Road, Xining City 8454005
39 Nanxiao Street Sub-Branch, Bank of Qinghai Co., Ltd.No.2, Nanxiao Street, Guojicun,
8148301Xining City
40 Qiyi Road Sub-Branch, Bank of Qinghai Co., Ltd. No.252, Qiyi Road, Xining City 9172818
41 Dongguan Street Sub-Branch, Bank of Qinghai Co., Ltd. No.112, Dongguan Street, Xining City 8176531
42 Chengdong Sub-Branch, Bank of Qinghai Co., Ltd. No.292-12, Dazhong Street, Xining City 8124705
43 Qiliang Road Sub-Branch, Bank of Qinghai Co., Ltd. No.137-3, Qiliang Road, Xining City 8171493
44 Zhandong Sub-Branch, Bank of Qinghai Co., Ltd. No.145, Huzhuxi Road, Xining City 8172619
45 Jianguo Road Sub-Branch, Bank of Qinghai Co., Ltd. No.2, Jianguo Road, Xining City 8133931
46 Huzhu Road Sub-Branch, Bank of Qinghai Co., Ltd.Huzhu Road, Commodity wholesale
8171277market,Xining City
47 Bayi Road Sub-Branch, Bank of Qinghai Co., Ltd. No.58, Bayi Road, Xining City 8808832
48 Delingha Road Sub-Branch, Bank of Qinghai Co., Ltd. No.195, Delingha Road, Xining City 8149494
49Development Zone Sub-Branch, Bank of Qinghai
No.22, Kaiyuan Road, Xining City 8817385Co., Ltd.
50Chengnan New District Sub-Branch, Bank of Qinghai
Co., Ltd.
51 Traffic Lane Sub-Branch, Bank of Qinghai Co., Ltd.
Xining City, Dialling code: 0971 Golmud City, Dialling code: 0979 Yushu County, Dialling code: 0976
Hainan County, Dialling code: 0974 Huangzhong County,Dialling code: 0972
ANNUAL REPORT 2011
The Branches of Bank of Qinghai
BANK OF QINGHAI CO.,LTD.