AnnualReport2007年度报告

AnnualReport2007年度报告AnnualReport2007年度报告不断创新,严谨规范,努力建设精品银行InnovationPrudenceStrivingtobuildboutiquebank004ContentsImportantNoticeMessagefromtheChairwomanCorporateInformationFinancialReportAuditor’sReportFinancialStatementsandNotesFinancialReviewRiskManagementCorporateGovernanceDirectors,Supervisors,andMembersofSeniorManagementOrganizationalStructureSignificantEventsImportantEventsBranchesofourBankContents006008012014028030046052058066072074078082005目录重要提示董事长致辞公司基本信息财务会计报告审计报告会计报表及附注财务情况说明书风险管理状况公司治理情况董事、监事和高级管理人员情况组织架构年度重大事项报告期内大事记营业网点目录006008012014028030046052058066072074078082006ImportantNoticeThe2007financialstatementsoftheBankarepreparedInpursuanttoProvisionalMeasuresonInformationReleaseforCommercialBanksandInformonSpecificationonAnnualReportsforJoint-stockCommercialBanks(YF[2004]No.8),whicharedeemedtobethelargestdegreeofdisclosurebasedoncurrentfinancialregulationsandbusinessmanagementsystems.TheBoardofDirectorsandalldirectorsundertakethattheinformationstatedinthisreportcontainsnofalserecord,misleadingstatementormaterialomission,andassumejointandseveralliabilitiesastotheauthenticity,accuracyandcompletenessofthecontent.Financialstatementsfor2007havebeenauditedbyDaqingQinxinCPAFirmandstandardunqualifiedauditors’reportsthereonhavebeenissued.ThisAnnualReportispreparedinbothChineseandEnglish.ShouldtherebeanydiscrepancybetweentheChineseandEnglishversions,theChineseversionshallprevail.ImportantNotice007重要提示董事签名：重要提示SignatureoftheDirectorsoftheBoard:本年度报告依据《商业银行信息披露暂行办法》和《中国银行业监督管理委员会关于规范股份制商业银行年度报告内容的通知》(银监发[2007]7号）编制，是根据现行的财务制度和业务管理系统能够做到的最大程度的披露。本行董事会及董事保证本年度报告所载资料不存在虚假记载、误导性陈述或对要求披露内容的重大遗漏，并对其内容的真实性、准确性和完整性负责。本行2007年年度会计报表已由大庆庆新会计师事务所审计，并出具了标准无保留意见的审计报告。本年度报告分别以中、英文两种文字编制，在对两种文本理解上发生歧义时，以中文文本为准。MessagefromtheChairwomanThenationalfinancialsystemkeptreforminganddevelopingduring2007.Thechangeofthemarketenvironmentaswellastheoverallsystemhasbroughtenormouschallenges,opportunities,impulsionsandimpactstotheindustry.Facingsuchaturbulentandsophisticatedsituation,asanindependentlocalfinancialinstitution,wewerefacingevenmoreseverechallenges.Undersuchamacrocontext,acceleratingself-developmentandstrengtheningourcompetitioncapabilitiesbecameourmajortask.In2007,guidedbytheboardofdirectors,wesuccessfullycompletedourannualtargetanddevelopedwithafastandstablepacebystrictlyadheringtothe“newconceptsandnewideasofmanagementandoperations”andbyworkingcollaborativelyanddillegentlywitheachother.Asendof2007,ourtotalassetsreachedRMB14.0billion,representinganincreaseof2.899billionor26.10%comparingtoprioryear,amongwhichtotalloansroseto5.0billion,anincreaseof930millionor22.85%.TotalNPLswas66million.NPLratiowas1.32%,representingadecreaseof0.21%comparingtothebeginningoftheyear.Totalliabilitiesreached13.173billion,representinganincreaseof2.486billionor23.26%.Totaldepositsroseto12.7billion,representinganincreaseof3.252billionor34.39%,amongwhichsavingdepositsroseto2.489billion,anincreaseof910millionor57.64%.OurdepositandloanmarketshareinDaqingareareached11.33%and19.93%,representinganincreaseof2.12%and1.34%respectivelycomparingtothebeginningoftheyear.Ourmarketsharereached4.09%whichwas1.35%higherthan2.74%atthebeginningoftheyear.Ourowner’sequityreached832millionandwerealizedanetincomeof139millionrepresentinganincreaseof45milllionor48%comparingtoprioryear.Wealsoachievedaninterestcollectionratioof98%andROAandROEof1.11%and22.26%respectively.Ourprovisioningcoverageratiowas123.81%andcapitaladequacyratiowas11.81%.Inbrief,allofourkeyperformingindicatorswellexceededtheoperationaltargetsidentifiedbytheboardofdirectorsatthebeginningoftheyear.Inrespectofcorporategovernance,wewereconstantlydevelopingthemoderngovernancestructureaswellasthefunctionsofvariousspecialcommitteestoelaboratethesupervisoryroleoftheboardofsupervisorsandprotecttheultimateinterestofourdepositorsandminorityshareholdersaswell.Inaddition,weencouragedeverypositivefactortospeedupourdevelopmentpacesaswestrictlyadheredtoscientificanddemocraticdecision-makingprocesses.MessagefromtheChairwoman008009Inmarketdevelopment,weprovidedYutuCardtoourcustomersandservedandtreatedthemlikefamiliestoincreaseoursavingdeposits.Wealsoprovideextendedbusinesshourservices,24-hrservices,wealthmanagementservicesetc.tofulfillourcustomers’needsandmaketheirlifeeasier.Oureffortswerewellrecognizedbythelocalresidentsandoursocialinfluencewasalsofurtherstrengthened.Intermsofinternalcontrol,weemployedISO9001QualityManagementSystemasouroperationalmodule,furtherstrengthenedtheimplementationofinternalcontrolpoliciesandimprovedtheeffectivenessofourexecutionofthesystem.Theriskfactorsamongeverybusinesslinewerecarefullyinspectedandeliminated.Creditstructuresaswellascreditapprovalprocesseswerebothreadjustedandimprovedinaccordancewiththeconceptoffunctionalbanking.Asolidoperatingplatformwaswellestablishedfororganicgrowthpurposeasourriskmanagementsystemwasalsoimproved.Innon-performingassetmanagement,weacceleratedourrecoveryprogressesbyseekingassistancefromthepublicsecurity,thecourtsaswellasbyinternalintervantions.Mean