北京银行2018年第一季度报告

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银行2018年一季度两金一险工作总结

银行2018年一季度两金一险工作总结两金一险，即黄金、基金、保险，作为中间业务收入的重要来源，对于银行的业务发展有着至关重要的作用。

有幸被选中作为2018年东光支行旺季营销两金一险产品经理，我深感荣幸。

如今一季度早已结束，回顾几年银行的两金一险指标，我认为虽已有所为，但仍大有可为。

首先，银行趸缴保险业绩一直处于系统内领先地位。

这来源于稳定的保险客户源以及每位员工认真负责地维护。

在本季度初，我便打出了所有一季度到期的保险名单，按照谁营销谁负责的原则，将名单按照当初的营销人分发下去，依次打电话联系。

以维护客户通知产品到期为由，引导客户来我网点进行资金转化和二次销售。

此举颇有成效。

让客户在感受到贴心的到期提醒服务的同时，巧妙地推广了我们的产品。

但银行的期交保险却并不占优势，虽然也曾希冀用举办客户活动的方式促单、出单，但效果还是不很理想。

究其原因，与客户对期交保险的认识度不够有很大的关系。

本地居民多保守、固有思维难变，如果我们日后不能进一步将期交保险的种种优势与特点详细推介给客户，保险期缴方面我们很难有进一步的突破。

其次，黄金销售。

其实对于节庆期间，尤其是过年期间，贵金属的成交要比平时容易许多。

所以银行今年的黄金业绩较以往有很大提升，很大程度上取决于客户经理对客户把控能力的提升。

这也让我们对日后的黄金销售产生了极大的希望。

不是没有市场，只是要看我们如何去向客户灌输理念，如何去替客户做好规划。

最后，对比保险和黄金的销售，基金更考核一名客户经理的专业度和经验储备。

虽然分行有推荐的基金池，我们省去了很大力气在去茫茫基金海中费力对比挑选优秀基金，但基金市场诡谲多变，加上很多老基金客户之前都有被伤过的先例，所以，基金的销售也有很考验人的地方。

尽管如此，只要做到心中有数，打铁还需自身硬，只要自己有足够的专业知识，能为客户答疑解惑，指点迷津，能合理地为客户进行资产配置，资产规划，有了客户的信任，再做什么推介都会变得容易很多。

2018年第一季度北京民营企业

2018年第一季度北京市民营企业运行状况分析报告2018年4月25日至5月25日，北京市工商联依托民营企业调查系统，在全市范围内对2018年第一季度民营企业运行状况进行了问卷调查。

此次调研共回收有效问卷500份，其中城六区回收212份，远郊区回收288份。

大型、中型、小型和微型企业占比分别为11%、25.8%、45.6%、17.6%。

第一产业、第二产业、第三产业和多元化经营的企业占比分别为9%、24.2%、44.6%、22.2%。

根据问卷数据，形成分析报告如下：一、企业生产运营情况 1.主要指标0.00%10.00%20.00%30.00%40.00%50.00%60.00%70.00%80.00%营业收入同比增加境内新增投资同比增加企业负债率22.74%3.68%15.50%7.24%67.10%29.30%38.03%15.37%25.27%13.08%6.93%8.70%2.01%1.08%4.03%减少无0-10%10%-20%20%-50%50%-80%80%以上2018年第一季度，北京市民营企业保持低速增长态势，主要指标整体较上一季度有所回落。

其中，企业营收低于全国平均水平，70.02%的企业营收同比增加，但38.03%的企业处于在10%以下的低速增长，无营收和营收减少的企业占到29.98%，企业生产经营存在压力。

民间投资滑落明显，仅29.22%的企业有境内新增投资，较上季度下降29.89个百分点。

企业负债情况有所好转，负债率处于10%以下的企业占到70.07%，比上季度高出14.82个百分点，高于同期全国平均水平6.77个百分点，债务风险较低。

企业利润情况有所下滑，整体处于偏低水平，41%的企业净利润率在0-5%之间，21.6%的企业出现亏损，净利润率高于10%的企业仅占13.4%，低于上季度3.82个百分点。

企业净利润率41%24%8.40%5%21.60%0-5%5%-10%10%-20%20%以上亏损北京市民营企业内向型明显。

252家银行同业存单余额及到期情况分析(截止2018年1月10日)

252 家银行同业存单余额及到期情况分析（截止2018 年1月10 日）正文】同业存单在2017 年受到的关注度明显提升，不仅因为其在量的方面对弥补商业银行资金来源和丰富同业链条起到重要的支撑作用，还在于其发行利率水平对整个金融市场具有较强的指示效应。

此外，一系列的政策文件也不断将其推上风口浪尖，如约束货币基金对同业存单的投资、限定1 年期以上的同业存单发行、同业存单纳入同业负债的1/3 考核、18 年同业存单备案额度窗口指导等等。

因此，有必要在把握同业存单整体脉落的前提下，进一步明晰各银行同业存单的实际现状。

首先来看一下同业存单的发行利率情况，各期限同业存单发行利率自2017 年9 月中旬重启上扬走势、重现期限倒挂，并在2017 年底达到新高后，18 年伊始便开始直线下降，下降幅度和2017 年6 月那一波比较像。

1 个月、3 个月和6 个月同业存单发行利率分别从2017 年12 月28 日的5.6555% 、5.5488% 和5.3718% 的历史新高分别降至2018 年1月上旬的3.4558% 、4.7273% 和4.6800% ，仅在10 天内，下降幅度便分别高达220 个BP 、82.15 个BP 和69.18 个BP ，可见同业存单在2018 年开局面临的复杂情形。

笔者尝试对252 家银行的同业存单存量及占比情况进行了汇总统计。

截止 2018 年 1 月 10 日，252 家银行的同业存单余额为 78201.90 亿元，相较于 2017 年底的 77229.70 亿元，增长了 972.20 亿元。

一、各类型银行汇总统计分析：以来增长了 972.20 亿元，股份行、国有大行等贡献幅度较大。

通过对比各类型银行 2018 年 1 月 10 日与 2017 年底的同业存单余额来看， 252 家银行同业存单余额环比变动972.70 亿元，增长 1.26% ，增长幅度主要有股份行、国有行、农商行等推动。

2018年1季度资本充足率计算情况表

11.63
11.29
备注：
1.核心一级资本净额=核心一级资本-核心一级资本监管扣除项目
2.一级资本净额=核心一级资本净额+其他一级资本-其他一级资本监管扣除项目
3.资本净额=一级资本净额+二级资本-二级资本监管扣除项目
4.上述数据为上报监管机构数据
329,654.00
1.4其他一级资本
1,726.00
0.00
1.5其他一级资本监管扣除项目
0.00
0.00
1.6一级资本净额
367,721.95
329,654.00
1.7二级资本
24,533.81
14,528.00
1.8二级资本监管扣除项目
0.00
0.00
2.信用风险加权资产
3,109,764.87
2,818,108.75
3.市场风险加权资产
87,137.75
87,137.75
4.操作风险加权资产
176,874.21
143,132.50
5.风险加权资产合计
3,373,776.83
3,048,
6.核心一级资本充足率
10.85
10.81
7.一级资本充足率
10.90
10.81
8.资本充足率
2018年1季度资本充足率计算情况表
单位：%、人民币万元
项目
2018年03月31日
集团口径
母公司口径
1.资本净额
392,255.76
344,182.00
1.1核心一级资本
366,329.91
344,104.00
1.2核心一级资本监管扣除项目
333.96
14,450.00

北京银行股份有限公司2018年度财务报表分析报告

北京银行股份有限公司2018 年度财务报表分析报告1财务报表数据3.1.2 长期偿债能力分析 ....... (31)3.2营运能力分析 ......... (34)1.1资产负债表 .......... (1)3.2.1 流动资产周转分析 ....... .. (34)1.2利润表 ............... (3)3.2.2 固定资产周转分析 ....... .. (36)1.3现金流量表 .......... (5)3.2.3 总资产周转分析 ......... .. (37)1.4所有者权益变动表 ........................ (6)3.3盈利能力分析 ......... (37)2会计报表分析3.3.1 资产经营盈利能力分析 (37)2.1资产负债表分析 ....... . (8)3.3.2 资本经营盈利能力分析 (38)2.1.1 水平趋势分析 .......... .. (8)3.3.3 商品经营盈利能力分析 (40)2.1.2 垂直结构分析 .......... .. (13)3.3.4 盈利质量分析 ........... ......462.2利润表分析 .......... (17)3.4发展能力分析 ......... (47)2.2.1 水平趋势分析 .......... (17)3.4.1 资产资本成长分析 ....... .. (47)2.2.2 垂直结构分析 .......... .. (20)3.4.2 营业收益成长分析 ....... .. (48)2.3现金流量表分析 ....... (23)3.4.3 每股净资产分析 ......... .. (49)2.3.1 水平趋势分析 .......... .. (23)4杜邦分析2.3.2 垂直结构分析 .......... .. (25)4.1 杜邦分析表 ........... (50)2.4所有者权益变动表分析 . (27)4.2 杜邦分析图 ........... (50)2.4.1 水平趋势分析 .......... .. (27)5数据来源及计算说明2.4.2 垂直结构分析 .......... .. (27)5.1 数据来源 .............. .. 523财务指标分析5.2计算说明 .............. .. 523.1偿债能力分析 ......... .. (29)3.1.1 短期偿债能力分析 ...... .. (29)1.1 资产负债表表格 1 2016-2018 年度资产负债表应付债券 30,176,500.00 39,834,000.00 40,560,200.00 长期负债合计 30,176,500.0039,834,000.0040,560,200.00预计负债 6,600.00 2,400.00 2,400.00 其他负债 2,440,000.00 2,895,900.00 4,593,000.00 负债合计197,256,000.00 215,309,100.00 237,873,100.00 实收资本（或股本） 1,520,600.00 2,114,300.00 2,114,300.00 其他权益工具 1,784,100.00 1,784,100.00 1,784,100.00 其中 :优先股 1,784,100.00 1,784,100.00 1,784,100.00 资本公积 2,623,600.00 4,388,500.00 4,388,500.00 盈余公积 1,180,100.00 1,364,600.00 1,563,700.00 一般风险准备 2,606,700.00 2,855,400.00 3,068,200.00 未分配利润 4,530,300.00 5,211,900.00 6,161,600.00 其他综合收益-33,400.00 -234,400.00 164,600.00 归属于母公司所有者权益合计 14,212,000.0017,484,400.00 19,245,000.00少数股东权益 165,900.00 187,000.00 168,400.00 所有者权益合计 14,377,900.00 17,671,400.00 19,413,400.00 负债与所有者权益总计 211,633,900.00232,980,500.00257,286,500.00北京银行股份有限公司，简称北京银行，所属的行业是区域性银行，公司总部位于北京市。

关于北京银行近三年财务状况的分析

2008年度中国上市公司100强排行榜中，该行以总资产列第14 位，利润总额列第22位，总市值列第30位，说明北京银行作为一家大型城商行与一般上市公司相比还是很有实力的。
主营业务
◆ 吸收公众存款、发放短期、中期和长期贷款、办理结算、办理票据贴现、发行金融债券、代理发行、代理兑付、承销政府债券、买卖政府债券、同业拆借、提供信用证服务及担保
操作风险
不完善或有问题的内部操作过程、人员、系统或外部事件而导致的直接或间接损失。
风险分析——管理对策
信用风险：及时调整授信准入政策；大力发展短贷宝、中小企业、文化创意产业、战略性新兴产业等战略性业务，降低落后产业、产能过剩行业贷款占比；鼓励发放短期贷款、担保贷款。
利率风险：定期计量利率敏感性缺口；合理调整生息资产及付息负债重定价期限结构。
◆ 代理收付款项及代理保险业务
◆提供保管箱服务
◆ 国际结算；同业外汇拆借
◆外汇票据的承兑和贴
◆ 外汇借款
◆外汇担保
◆ 结汇、售汇
◆代客外汇买卖
◆ 离岸银行业务
◆自营外汇买卖
◆ 资信调查、咨询、见证业务
◆证券投资基金托管业务
◆ 全国社会保障基金托管业务
◆ 经中国人民银行和中国银行业监督管理委员会批准经营的其他业务
短期偿债能力分析
资本充足率是指资本总额与加权风险资产总额的比例。资本充足率反映商业银行在存款人和债权人的资产遭到损失之后，该银行能以自有资本承担损失的程度。规定该项指标的目的在于抑制风险资产的过度膨胀，保护存款人和其他债权人的利益、保证银行等金融机构正常运营和发展。不良贷款亦指非正常贷款或有问题贷款是指借款人未能按原定的贷款协议按时偿还商业银行的贷款本息，或者已有迹象表明借款人不可能按原定的贷款协议按时偿还商业银行的贷款本息而形成的贷款。不良贷款率指金融机构不良贷款占总贷款余额的比重。拨备覆盖率是实际上银行贷款可能发生的呆、坏账准备金的使用比率。不良贷款拨备覆盖率是衡量商业银行贷款损失准备金计提是否充足的一个重要指标。该项指标从宏观上反映银行贷款的风险程度及社会经济环境、诚信等方面的情况。

百度2018年第一季度财报

Baidu Announces First Quarter 2018 ResultsBEIJING, China, April 26, 2018 – Baidu, Inc. (NASDAQ: BIDU) (“Baidu” or the “Company”), the leading Chinese language Internet search provider, today announced its unaudited financial results for the first quarter ended March 31, 20181.“We had a strong start in 2018, with our core business exhibiting robust growth, and we continue to execute on our strategy to strengthen Baidu’s mobile foundation and lead in AI. Through innovation, search plus feed is powering strong monetization, DuerOS is showing accelerated momentum with hardware partners and Apollo has a great potential to become a world-class technology platform,” said Robin Li, Chairman and CEO of Baidu. “I would also like to congratulate iQIYI on a successful IPO and hope to incubate more businesses with large market opportunities and strong synergies with Baidu.”"Baidu delivered another solid quarter with revenues up 31%2year over year to RMB 20.9 billion and operating income up 128% to RMB 4.6 billion," said Herman Yu, CFO of Baidu. "We have never been more focused than we have in the past year, by scaling down or exiting non-core businesses and doubling down on investments in AI-powered businesses to generate significant long-term return t o our shareholders.”First Quarter 2018 Financial Highlights∙Total revenues were RMB 20.9 billion ($3.33 billion), increasing 31% year over year. Mobile revenue represented 78% of total net revenues, compared to 70% for the first quarter of 2017. Total revenues of Baidu Core were RMB 16.1 billion ($2.57 billion), increasing 26% year over year.∙Operating income was RMB 4.6 billion ($728 million), increasing 128% year over year. Operating margin reached 22%, compared to 13% for the first quarter of 2017.∙Non-GAAP operating income was RMB 5.3 billion ($852 million), increasing 103% year over year.Non-GAAP operating margin reached 26%, compared to 17% for the first quarter of 2017. Non-GAAP operating income of Baidu Core, excluding iQIYI, was RMB 6.4 billion, increasing 81% year over year.Non-GAAP operating margin of Baidu Core, excluding iQIYI, was 39%, compared to 27% for the first quarter of 2017.∙Net income attributable to Baidu was RMB 6.7 billion ($1.1 billion) and diluted earnings attributable to Baidu per ADS was RMB 19 ($2.98). Non-GAAP net income attributable to Baidu3was RMB 4.61This announcement contains translations of certain RMB amounts into U.S. dollars at specified rates solely for the convenience ofthe reader. Unless otherwise noted, all translations from RMB to U.S. dollars are made at a rate of RMB6.2726 to US$1.00, the effective noon buying rate as of March 30, 2018, in The City of New York for cable transfers of RMB as certified for customs purposes by the Federal Reserve Bank of New York.2Starting from January 1, 2018, Baidu adopted a new revenue accounting standard (ASC 606), which reclassifies value added tax from the cost of revenues to net against revenues. To increase comparability of operating results and help investors better understand our business performance and operating trends, 2017 net revenues have been used to calculate all percentage changes in revenues, percentage changes in revenues per online marketing customer, operating margin, non-GAAP operating margin, and adjusted EBITDA margin. 2017 net revenues are defined as gross revenues under legacy GAAP after the deduction of value added taxes, which is presented on the same basis as 2018 and going forward.3Non-GAAP net income attributable to Baidu represents net income attributable to Baidu excluding share-based compensation expenses, the gain or loss associated with the issuance of the shares by our equity method investees at a price higher or lower than our carrying value per share, disposal gain or loss, impairment of long-term investments and fair value change of long-term investments, as adjusted for the tax effects on non-GAAP adjustments.billion ($731 million) and non-GAAP diluted earnings per ADS4was RMB 13 ($2.08).∙Adjusted EBITDA was RMB 6.1 billion ($979 million), or 29% of total revenues, increasing 69% year over year.Other HighlightsCorporate∙iQIYI, Baidu’s online entertainment subsidiary, raised US$2.25 billion through its initial public offering of 125,000,000 American Depositary Shares (“ADS”) at US$18.00 per ADS. IQIYI's ADSs trade on the NASDAQ Global Market under the symbol "IQ".∙Baidu raised US$1.5 billion through a public bond offering consisting of US$1 billion of 3.875% notes due 2023 and US$500 million of 4.375% notes due 2028, the proceeds from which will mostly be used to repay a US$1.0 billion bond maturing in August 2018.∙Baidu signed a cooperation memorandum with the Haidian municipality of Beijing to jointly develop smart government administration, smart transportation and smart city management. The two parties will work together to develop an AI-based “Smart City Brain” to handle traffic management, environmental protection and public safety.∙Baidu established a Quantum Computing Research Lab in Beijing to perform research and development in quantum computing.∙TIME magazine featured Robin Li as “The Innovator” on the cover page of its January 29, 2018 Asia edition.Search and feed∙Baidu begins using reinforcement learning in its Phoenix Nest online marketing system, which is the first time this branch of machine learning has been implemented at Baidu.∙Official press agencies, including the People’s Daily, Xinhua News Agency and CCTV, have opened BJH accounts, Baidu’s publisher platform (a.k.a. Baijiahao), to share their content to the Baidu app.∙Baidu removed 20.2 billion malicious webpages in 2017, according to Baidu’s 2017 Information Security Report.Apollo∙Baidu received the first batch of licenses to conduct open road test for autonomous vehicles in Beijing and Chongqing municipalities and Fujian province.∙Baidu held a successful Apollo 2.5 Launch Event in Beijing on April 19, which also marked Apollo’s one year anniversary. At the event, Baidu released Apollo 2.5, which supports high-speed roadconditions, improves cost efficiency, enhances developer support and provides Apollo Scape open datasets.∙Baidu showcased its Level 4 autonomous driving technology during the Chinese Spring Festival Gala on CCTV, one of the most watched TV shows in China. More than a dozen Apollo-powered vehicles drove across the Hong Kong-Zhuhai-Macau Bridge in choreographed swerving formation, depicting a “robotic parade.”∙Baidu formed a strategic partnership with Great Wall Motor (长城汽车), the largest sport utility vehicle and pick-up truck manufacturer in China, to collaborate on autonomous driving, big data, mobility and4Non-GAAP diluted earnings per ADS represents diluted earnings per ADS calculated based on non-GAAP net income attributable to Baidu.networking solutions.∙Baidu formed a strategic partnership with BYD (比亚迪), one of the leading auto manufacturers in China, on autonomous driving. BYD plans commercial production of Level 3 autonomous vehicles using Apollo around 2020.∙Baidu formed a strategic partnership with Sokon Group (小康股份), an automobile manufacturer in China, for commercial production of Level 3 vehicles around 2020 and Level 4 vehicles around 2021.Baidu and Sokon will collaborate on autonomous driving, Internet-connected vehicles, cloud services and marketing.∙Baidu joined Berkeley DeepDrive, a research alliance that studies state-of-the-art technologies in computer vision and machine learning for automotive applications.DuerOS∙Ainemo (小鱼在家) launched “Xiaodu @ Home” Touchscreen Smart Speaker (小度在家) powered by DuerOS Assistant and 10,000 units were sold within the first minute of launch online.∙Baidu formed a strategic partnership with Hong Kong Skyworth Digital Holdings (创维集团), a leading television manufacturer in China. DuerOS Assistant will be integrated into Skyworth’s smart TVs to provide users with a conversational AI service.∙TCL, a leading consumer electronics manufacturer, launched three new television models (X5, C6 and P5) powered by DuerOS Assistant.∙Baidu formed a strategic partnership with XGIMI (极米科技), a leading smart projector manufacturer, to integrate DuerOS Assistant in its products.∙Baidu formed a strategic partnership with BroadLink Electronic Technology (杭州古北电子科技有限公司), a leading smart plug and remote manufacturer, to integrate DuerOS Assistant in its homeelectronics control devices.∙Baidu formed a strategic partnership with Xiaotiancai, a manufacturer of wearables for kids, to integrate DuerOS Assistant in its smart watches.∙Baidu formed a strategic partnership with Haier (海尔), a leading home electronics and appliance manufacturer, to collaborate on DuerOS and Haier’s U+ smarthome platform.AI Technology∙MIT Technology Review named Baidu as a key player for near-real-time translation, one of the top breakthrough technologies of 2018.∙Baidu PyramidBox, a deep learning algorithm for face recognition, reached the highest score of WIDER FACE, a highly challenging face detection benchmark globally.In the following section, comparison and analysis are provided based on reported consolidated financial results.First Quarter 2018 ResultsTotal revenues reached RMB 20.9 billion ($3.33 billion)5, representing a 31% increase year over year. Online marketing revenues were RMB 17.2 billion ($2.74 billion), representing a 23% increase year over5Gross revenues under legacy GAAP reached RMB 22.2 billion ($3.53 billion).year. Baidu had approximately 475,000 active online marketing customers6, representing a 5% increase year over year. Revenue per online marketing customer was approximately RMB 36,100 ($5,800), a 19% increase year over year. Revenue from Baidu Core reached RMB 16.1 billion, up 26% year over year, while revenue from iQIYI reached RMB 4.9 billion, up 57% year over year.Content costs were RMB 4.2 billion ($669 million), representing a 59% increase year over year. The year over year increase was mainly due to iQIYI’s increased content costs.Traffic acquisition cost was RMB 2.3 billion ($360 million), representing a 3% increase year over year.Bandwidth costs were RMB 1.5 billion ($235 million), representing a 10% increase year over year.Other cost of revenues, which include depreciation costs, operation costs, sales tax and surcharges and share-based compensation expenses, was RMB 2.0 billion ($316 million), decreasing 7% year over year.Selling, general and administrative expenses were RMB 3.1 billion ($501 million), increasing 12% year over year.Research and development expenses were RMB 3.3 billion ($525 million), increasing 16% year over year, primarily due to the growth of personnel-related cost.Share-based compensation expenses, which were allocated to related operating cost and expense line items, were RMB 778 million ($124 million), compared to RMB 631 million in the first quarter of 2017.Operating income was RMB 4.6 billion ($728 million), increasing 128% year over year. Non-GAAP operating income was RMB 5.3 billion ($852 million), increasing 103% year over year. Operating income from Baidu Core was RMB 5.6 billion ($897 million), increasing 90% year over year. Non-GAAP operating income from Baidu Core was RMB 6.4 billion ($1.0 billion), increasing 81% year over year.Other income, net was RMB1.9 billion ($296 million), which mainly consisted of fair value gains of private company investments in accordance with the new financial instruments accounting standard (ASC 321) adopted on January 1, 2018.Income tax expense was RMB 1.1 billion ($179 million), compared to income tax expense of RMB 405 million in the first quarter of 2017. Effective tax rate was 17%, compared to 19% for the first quarter of 2017.Net income attributable to Baidu was RMB 6.7 billion ($1.1 billion), increasing 277% year over year. Diluted earnings per ADS amounted to RMB 19 ($2.98). Non-GAAP net income attributable to Baidu was RMB 4.6 billion ($731 million), increasing 91% year over year. Non-GAAP diluted earnings per ADS6The number of active online marketing customers and revenue per online active customer exclude our group-buying and delivery related businesses for consistency with previous reporting.amounted to RMB 13 ($2.08).As of March 31, 2018, the Company had cash, cash equivalents, restricted cash and short-term investments of RMB 110.5 billion ($17.6 billion). Net operating cash inflow was RMB 8.5 billion ($1.36 billion) and capital expenditures were RMB 2.0 billion ($314 million).The Company is planning to dispose of a majority equity stake in Baidu’s financial service business. Total assets of RMB 47.0 billion ($7.5 billion) and total liabilities of RMB 41.2 billion ($6.6 billion) associated with Baidu’s financial service business were reclassified to assets and liabilities held for sale on the condensed consolidated balance sheet as of March 31, 2018. Any such transaction will be subject to the approval by the board of directors of the Company, and there can be no assurance that the transaction will be completed, or the terms or timing therefore.Financial GuidanceFor the second quarter of 2018, Baidu expects revenues to be between RMB 24.91 billion ($3.97 billion) and RMB 26.19 billion ($4.17 billion), representing a 26% to 33% increase year over year. Excluding disposed businesses, such as mobile games and Baidu Deliveries, the guidance represents a 28% to 34% increase year over year. This forecast reflects Baidu’s current and preliminary view, which is subject to substantial uncertainty.Conference Call InformationBaidu's management will hold an earnings conference call at 10:15 PM on April 26, 2018, U.S. Eastern Time (10:15 AM on April 27, 2018, Beijing/Hong Kong Time). Dial-in details for the earnings conference call are as follows:International: +65 67135090China 4006208038US: +1 8456750437UK: +44 2036214779Hong Kong:+852 ********Passcode for all regions:3162748A replay of the conference call may be accessed by phone at the following number until May 4, 2018: International: +61 2 8199 0299Passcode: 3162748Additionally, a live and archived webcast of this conference call will be available at .About BaiduBaidu, Inc. is the leading Chinese language Internet search provider. Baidu aims to make a complex world simpler through technology. Baidu’s ADSs trade on the NASDAQ Global Select Market under the symbol “BIDU.” Currently, ten ADSs represent one Class A or dinary share.ContactsInvestors Relations, Baidu, Inc.Tel: +86-10-5992-4958Email: ir@Safe Harbor StatementThis announcement contains forward-looking statements. These statements are made under the "safe harbor" provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "confident" and similar statements. Among other things, the outlook for the second quarter of 2018, quotations from management in this announcement, as well as Baidu's and other parties' strategic and operational plans, contain forward-looking statements. Baidu may also make written or oral forward-looking statements in its periodic reports to the U.S. Securities and Exchange Commission, in its annual report to shareholders, in press releases and other written materials and in oral statements made by its officers, directors or employees to third parties. Statements that are not historical facts, including but not limited to statements about Baidu's beliefs and expectations, are forward-looking statements.Forward-looking statements involve inherent risks and uncertainties. A number of factors could cause actual results to differ materially from those contained in any forward-looking statement, including but not limited to the following: Baidu’s growth strategies; its future business development, including development of new products and services; its ability to attract and retain users and customers; competition in the Chinese Internet search market; competition for online marketing customers; changes in the Company’s revenues and certain cost or expense items as a percentage of its revenues; the outcome of ongoing, or any future, litigation or arbitration, including those relating to intellectual property rights; the expected growth of the Chinese language Internet search market and the number of Internet and broadband users in China; Chinese governmental policies relating to the Internet and Internet search providers and general economic conditions in China, Japan and elsewhere. Further information regarding these and other risks is included in the Company’s annual report on Form 20-F and other documents filed with the Securities and Exchange Commission. Baidu does not undertake any obligation to update any forward-looking statement, except as required under applicable law. All information provided in this press release and in the attachments is as of the date of the press release, and Baidu undertakes no duty to update such information, except as required under applicable law.Non-GAAP Financial MeasuresTo supplement Baidu’s consolidated financial results presented in accordance with GAAP, Baidu uses the following non-GAAP financial measures: non-GAAP operating income/loss, non-GAAP operating margin, non-GAAP net income attributable to Baidu, non-GAAP diluted earnings per ADS, adjusted EBITDA andadjusted EBITDA margin. The presentation of these non-GAAP financial measures is not intended to be considered in isolation or as a substitute for the financial information prepared and presented in accordance with GAAP.Baidu believes that these non-GAAP financial measures provide meaningful supplemental information regarding its performance and liquidity by excluding certain items that may not be indicative of its recurring core business operating results, such as operating performance excluding not only non-cash charges, but also other items that are infrequent or unusual in nature. The Company believes that both management and investors benefit from referring to these non-GAAP financial measures in assessing its performance and when planning and forecasting future periods. These non-GAAP financial measures also facilitate management’s internal comparisons to Baidu’s historical performance and liquidity. The Company believes these non-GAAP financial measures are useful to investors in allowing for greater transparency with respect to supplemental information used by management in its financial and operational decision making. A limitation of using these non-GAAP financial measures is that these non-GAAP measures exclude certain items that have been and will continue to be for the foreseeable future a significant component in the Company’s results of operations.These non-GAAP financial measures presented here may not be comparable to similarly titled measures presented by other companies. Other companies may calculate similarly titled measures differently, li miting their usefulness as comparative measures to the Company’s data.Non-GAAP operating income represents operating income excluding share-based compensation expenses.Non-GAAP net income attributable to Baidu represents net income attributable to Baidu excludingshare-based compensation expenses, the gain or loss associated with the issuance of shares by Baidu’s equity method investees at a price higher or lower than the carrying value per share, disposal gain or loss, impairment of long-term investments, fair value change of long-term investments, as adjusted for related income tax effects. Non-GAAP diluted earnings per ADS represents diluted earnings per ADS calculated based on non-GAAP net income attributable to Baidu. Adjusted EBITDA represents operating income excluding depreciation, amortization (excluding the amortization of licensed copyrights and produced content of iQIYI) and share-based compensation expenses.For more information on non-GAAP financi al measures, please see the tables captioned “Reconciliations of non-GAAP financial measures to the nearest comparable GAAP measures.”Baidu, Inc.Condensed Consolidated Statements of IncomeThree Months EndedMarch 31, December 31, March 31, (In RMB millions except for share, per share (or ADS) information) 2017 2017 2018Unaudited Unaudited Unaudited Revenues:Online marketing services 14,73820,418 17,169 Others 2,1533,138 3,738 Total revenues(note 1) 16,89123,55620,907 Operating costs and expenses:Content costs 2,6363,7544,194 Traffic acquisition costs 2,1852,5182,256 Bandwidth costs 1,3361,4001,472 Others 3,0763,7741,981 Cost of revenues (note 2) 9,233 11,4469,903 Selling, general and administrative (note 2) 2,8173,632 3,142 Research and development (note 2) 2,8353,704 3,294 Total operating costs and expenses 14,885 18,782 16,339 Operating income 2,006 4,7744,568 Other income:Interest income 649917 821 Interest expense (323)(400) (352) Foreign exchange loss, net (101)(113) (48) Income(loss) from equity method investments (76)204 (177) Other income(loss), net 21(294) 1,856 Total other income 170 314 2,100 Income before income taxes 2,176 5,0886,668 Income taxes 405929 1,120 Net income 1,771 4,1595,548 Less: net loss attributable to noncontrolling interests (6) -(1,146) Net income attributable to Baidu 1,777 4,1596,694 Earnings per share for Class A and Class B ordinary shares:-Basic 46.47125.02 188.60 -Diluted 46.29123.81 186.76 Earnings per ADS (1 Class A ordinary share equals 10 ADSs ):-Basic 4.6512.50 18.86 -Diluted 4.6312.38 18.68 Weighted average number of Class A and Class B ordinary sharesoutstanding:Basic 34,734,01934,783,969 34,838,392 Diluted 34,869,78335,123,903 35,180,950(1)Starting on January 1, 2018, valued added tax has been reclassified from cost of revenues to net against revenues. To increasecomparability of operating results and help investors better understand our business performance and trends, 2017 net revenues have been presented. 2017 net revenues are defined as gross revenues under legacy GAAP after the deduction of value added taxes, which is presented on the same basis as 2018 and going forward.Three Months EndedMarch 31, December 31, March 31,2017 2017 2018Unaudited Unaudited Unaudited Gross revenues 16,89123,55622,162 Less: value added taxes 9461,327 1,255 Net revenues 15,94522,22920,907(2) Includes share-based compensation expenses as follows:Cost of revenues 3646 35 Selling, general and administrative 187298 291 Research and development 408633 452 Total share-based compensation expenses 631977 778Baidu, Inc.Condensed Consolidated Balance SheetsDecember 31, March 31,(In RMB millions except for number of shares and per share data) 2017 2018Audited UnauditedASSETSCurrent assets:Cash and cash equivalents 11,084 21,025Restricted cash 252 -Short-term investments 89,381 89,433Other invested securities 18,350 -Accounts receivable, net 4,571 4,764Loans and interest receivable, net 23,938 -Amounts due from related parties 168 421Other assets, current 3,425 4,148Assets held for sale -46,993 Total current assets 151,169 166,784 Non-current assets:Fixed assets, net 12,475 13,666Intangible assets, net 5,467 5,998Goodwill 15,806 15,806Long-term investments, net 56,283 59,488Loans and interest receivable, net 3,467 -Amounts due from related parties 9 61Deferred tax assets, net 1,532 1,312Other assets, non-current 5,520 6,352 Total non-current assets 100,559 102,683 Total assets 251,728 269,467 LIABILITIES AND EQUITYCurrent liabilities:Short-term loans 1,244 397Amounts due to the third-party investors 38,486 -Accounts payable and accrued liabilities 27,523 27,222Customer advances and deposits 6,785 6,801Deferred revenue 788 792Deferred income 568 569Long-term loans, current portion 10 10Notes payable, current portion 6,500 6,270Amounts due to related parties 153 179Liabilities held for sale -41,166 Total current liabilities 82,057 83,406 Non-current liabilities:Deferred income 73 75Long-term loans 6,701 6,473Notes payable 29,111 37,423Deferred tax liabilities 3,375 3,359Other non-current liabilities 39 55 Total non-current liabilities 39,299 47,385 Total liabilities 121,356 130,791December 31, March 31,(In RMB millions except for number of shares and per share data) 2017 2018Audited Unaudited Redeemable noncontrolling interests 11,022 11,146 EquityClass A Ordinary Shares, par value US$0.00005 per share, 825,000,000shares authorized, and 27,614,978 shares and 27,671,709 shares issuedand outstanding as at December 31, 2017 and March 31, 2018 - -Class B Ordinary Shares, par value US$0.00005 per share, 35,400,000shares authorized, and 7,201,254 shares and 7,201,254 shares issued andoutstanding as at December 31, 2017 and March 31, 2018 - -Additional paid-in capital 12,088 13,009Retained earnings 102,328 110,425Accumulated other comprehensive income 930 1,070 Total Baidu, Inc. shareholders’ equity 115,346 124,504 Noncontrolling interests 4,004 3,026 Total equity 119,350 127,530 Total liabilities, redeemable noncontrolling interests, and equity 251,728 269,467Reconciliations of non-GAAP financial measures to the nearest comparable GAAP measures (in RMB millions except forshare and per ADS information, unaudited)Three months endedMarch 31, 2017 December 31, 2017 March 31, 2018Operating income-Baidu Core 2,961 6,0125,624 Add: Share-based compensation expenses 553925 731Non-GAAP operating income-Baidu Core 3,514 6,9376,355 Add: Depreciation of fixed assets 840901 691 Add: Amortization of intangible assets 4932 26 Adjusted EBITDA - Baidu Core 4,403 7,8707,072 Operating loss-iQIYI(1,040) (856) (1,062) Add: Share-based compensation expenses 7852 47Non-GAAP operating loss-iQIYI (962) (804)(1,015) Add: Depreciation of fixed assets82 92 64Add: Amortization of intangible assets18 17 12Adjusted EBITDA - iQIYI (862) (695)(939)Operating income-consolidated 2,006 4,7744,568 Add: Share-based compensation expenses631 977 778Non-GAAP operating income-consolidated 2,637 5,7515,346 Add: Depreciation of fixed assets 922993 755 Add: Amortization of intangible assets 6749 38 Adjusted EBITDA - consolidated 3,626 6,7936,139Three months endedMarch 31, 2017 December 31, 2017 March 31, 2018Baidu Core 13,60319,109 16,127iQIYI 3,2844,817 4,877 Intersegment eliminations & adjustments 4(370) (97)Total Revenues 16,891 23,55620,907 Baidu Core2,961 6,012 5,624iQIYI(1,040) (856) (1,062) Intersegment eliminations & adjustments85 (382) 6Operating income 2,006 4,7744,568 Baidu Core23% 33% 35% iQIYI(34%) (19%) (22%)Operating margin 13% 21%22% Baidu Core3,514 6,937 6,355iQIYI(962) (804) (1,015) Intersegment eliminations & adjustments85 (382) 6Non-GAAP Operating income 2,637 5,7515,346 Baidu Core 27%38% 39% iQIYI (31%)(18%) (21%)Non-GAAP Operating margin 17% 26%26% Baidu Core4,403 7,870 7,072iQIYI(862) (695) (939) Intersegment eliminations & adjustments85 (382) 6Adjusted EBITDA 3,626 6,7936,139 Baidu Core34% 44% 44%iQIYI(28%) (15%) (19%)Adjusted EBITDA margin 23% 31%29%Three months endedMarch 31, 2017 December 31, 2017 March 31, 2018Net income attributable to Baidu 1,777 4,1596,694 Add: Share-based compensation expenses 631977 778Add: Gain(loss) associated with the dilution of equitymethod investees, net of tax (16)87 53Add: Disposal loss, net of tax 3 5 489Add: Impairment of long-term investments, net of tax -338 83Add: Fair value change of long-term investments, net of tax --(3,512)Non-GAAP net income attributable to Baidu 2,395 5,5664,585 Weighted average number of ADS used in computingnon-GAAP diluted earnings per ADS 348,697,827351,239,027 351,809,497GAAP diluted earnings per ADS 4.63 12.38 18.68Add: Accretion of the redeemable noncontrolling interests 0.47(0.54) 0.35 Add: Non-GAAP adjustments to earnings per ADS 1.76 4.00 (6.00)Non-GAAP diluted earnings per ADS 6.86 15.84 13.03。

2018年北京市金融市场运行情况分析报告

2018年北京市金融市场运行情况分析报告一、货币市场 (4)（一）各项存款情况 (4)1.非金融企业定期存款增加较多，广义政府存款同比多增 (5)2.全年住户存款同比少增 (6)3.非银行业金融机构人民币存款减少 (6)（二）各项贷款情况 (6)1.人民币贷款增长较快，外币贷款余额下降 (7)2.非金融企业及机关团体贷款同比少增 (7)3.非银行业金融机构贷款同比多增 (7)4.小微企业贷款同比多增，大中型企业贷款同比少增 (8)5.住户贷款全年增加较多 (8)二、股票市场 (8)三、债券市场 (10)四、基金市场 (12)1.公募基金市场 (12)2.私募基金市场 (14)五、私募股权投资市场 (16)六、信托市场 (18)七、租赁市场 (19)八、北京股权交易市场（四板市场） (20)九、北京银行业机构发展 (25)十、北京证券业机构发展 (26)十一、北京保险业机构发展 (27)十二、北京新兴金融机构发展 (29)1.小额贷款公司 (29)2.融资担保机构 (31)3.P2P网络借贷平台 (31)图1 2015～2016年北京市本外币各项存款余额变化 (5)图2 2015～2016年北京市本外币各项贷款余额变化 (7)图3 2016年北京上市公司行业分布状况 (9)图4 2016年北京各类债券所占比例 (11)图 5 北京2016年现有公募基金投资类型分布 (13)图 6 北京2016年新增公募基金投资类型分布 (14)图7 2011-2016年北京现有私募基金数量变化 (14)图8 北京2016年现有私募基金投资类型分布 (15)图9 北京2016新增私募基金投资类型分布 (15)图10 2013～2016年北京现有私募股权市场PE指数 (16)图11 北京现四板市场挂牌类型分布 (21)图12 北京现四板市场融资类型分布 (22)图13 2010～2016年北京市金融业增加值及占GDP比重增长情况 (23)图14 2010～2016年小额贷款公司贷款余额变化 (30)图15 2010～2016年小额贷款公司数量变化 (31)图16 2015～2016年P2P网络借贷平台数量变化 (32)图17 2015～2016年P2P网络借贷平台贷款余额变化 (32)表录表 1 2016年末北京市金融机构（含外资）本外币存贷款余额 (4)表 2 北京违约债券一览 (11)表 3 北京信托市场现有信托机构全国排名 (18)表 4 2016年北京市上市银行金融机构一览 (25)表 5 2016年北京市上市证券金融机构一览 (26)表 6 2016年北京市证券金融机构数量变化 (27)表7 2016年北京市上市保险金融机构一览 (28)表8 2016年北京市保险金融机构保费收入与支出情况 (29)一、货币市场2016年北京市银行货币信贷运行平稳，人民币存款增长稳定，外币存款同比多增。

2018年北京市银行业、证券业及保险业运行现状分析,北京市金融服务水平领跑全国「图」

2018年北京市银行业、证券业及保险业运行现状分析，北京市金融服务水平领跑全国「图」一、北京市银行业发展2018年末，北京市银行业金融机构数量有所增加，2018年末机构网点总数同比增加56家；法人金融机构数量比上年增加2家。

同时，北京市银行业金融机构资产总额同比增长8.9%，增速同比上升6.1个百分点；实现利润同比增长5.1%，增速同比下降11.6个百分点。

2014-2018年北京市银行业金融机构数量资料来源：中国人民银行，华经产业研究院整理分类别来看，大型商业银行占据北京市金融机构的较大比重，2018年北京市大型商业银行、股份制商业银行、城市商业银行、小型农村金融机构、邮政储蓄、外资银行数量分别为1817家、862家、412家、673家、574家、116家。

2018年北京市金融机构类别分布资料来源：中国人民银行，华经产业研究院整理2018年，北京市银行业金融机构银行支付业务快速发展，2018年末，银行卡发卡量累计达到2.4亿张，全年新增3766.9万张。

2014-2018年北京市银行卡发卡量资料来源：中国人民银行，华经产业研究院整理2018年末，北京市金融机构人民币存款余额同比增长9.3%，比全国高1.1个百分点，比上年同期高5.1个百分点，全年新增额为近三年最高。

2018年以来，人民币存款增速从年初的3.3%迅速升至7月的11.3%后缓慢回落，证券、保险等非银行业金融机构存入金融体系资金增长是拉动人民币存款增长的主要原因。

受中美贸易摩擦及汇率影响,外币存款增速持续回落，2018年以来，北京市金融机构外币存款余额增速从年初的18.1%逐步回落至年末的4.3%，比上年同期低11.7个百分点。

2014-2018年北京市金融机构本外币存贷款余额增速资料来源：中国人民银行，华经产业研究院整理2018年末，北京市金融机构本外币贷款余额同比增长11.7%，比上年高0.2个百分点。

其中，人民币贷款余额同比增长12.5%，比全国低1个百分点；外币贷款余额增速从年初的同比增长21.7%迅速回落至年末的同比下降5.6%。

2018年北京市金融市场运行情况分析报告

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公司代码：601169 公司简称：北京银行
北京银行股份有限公司
2018年第一季度报告
目录
一、重要提示 (3)
二、公司基本情况 (3)
三、重要事项 (7)
四、附录 (10)
一、重要提示
1.1 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整，
不存在虚假记载、误导性陈述或者重大遗漏，并承担个别和连带的法律责任。

1.2 未出席董事情况
1.3 公司法定代表人张东宁、行长杨书剑及主管财会工作副行长杜志红保证季度报告中财务报表
的真实、准确、完整。

1.4 本公司第一季度报告未经审计。

二、公司基本情况
2.1主要财务数据
注：本行按照报告期末的股数重新计算2017年同期的每股收益情况。

非经常性损益项目和金额
√适用□不适用
2.2截止报告期末的股东总数、前十名股东、前十名流通股东（或无限售条件股东）持股情况表
单位：股
2.3截止报告期末的优先股股东总数、前十名优先股股东、前十名优先股无限售条件股东持股情
况表
√适用□不适用
证券简称：北银优1 证券代码：360018
证券简称：北银优2 证券代码：360023
单位：股
2.4资本构成及变化情况
注： 1、以上数据按照《商业银行资本管理办法（试行）》计算。

2、核心一级资本净额=核心一级资本-核心一级资本扣减项。

3、一级资本净额=核心一级资本净额+其他一级资本-其他一级资本扣减项。

4、资本净额=一级资本净额+二级资本-二级资本扣减项。

5、本集团符合资本充足率并表范围的附属公司包括：中加基金管理有限公司、北银金融租赁有限公司、北京延庆村镇银行股份有限公司、浙江文成北银村镇银行股份有限公司、重庆秀山北银村镇银行股份有限公司、重庆永川北银村镇银行股份有限公司、云南马龙北银村镇银行股份有限公司、云南西山北银村镇银行股份有限公司、云南石屏北银村镇银行股份有限公司、云南新平北银村镇银行股份有限公司和云南元江北银村镇银行股份有限公司。

2.5 杠杆率分析
本公司根据2015年4月1日起施行的《商业银行杠杆率管理办法（修订）》（中国银监会令2015年第1号）计算杠杆率指标，本期末及前3个季度本公司集团口径杠杆率指标如下:
单位：百万元币种：人民币
2.6流动性覆盖率
单位：百万元币种：人民币
三、重要事项
3.1公司主要会计报表项目、财务指标重大变动的情况及原因
√适用□不适用
3.2重要事项进展情况及其影响和解决方案的分析说明
□适用√不适用
3.3报告期内超期未履行完毕的承诺事项
□适用√不适用
3.4预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生重大变动的警
示及原因说明
□适用√不适用
四、附录
4.1 财务报表
合并资产负债表
2018年3月31日
编制单位:北京银行股份有限公司
单位：百万元币种:人民币审计类型：未经审计
法定代表人：张东宁行长：杨书剑主管财会工作副行长：杜志红
母公司资产负债表
2018年3月31日编制单位:北京银行股份有限公司
法定代表人：张东宁行长：杨书剑主管财会工作副行长：杜志红
2018年1—3月
编制单位：北京银行股份有限公司
单位：百万元币种:人民币审计类型：未经审计
法定代表人：张东宁行长：杨书剑主管财会工作副行长：杜志红
2018年1—3月
编制单位：北京银行股份有限公司
法定代表人：张东宁行长：杨书剑主管财会工作副行长：杜志红
合并现金流量表
2018年1—3月编制单位：北京银行股份有限公司
法定代表人：张东宁行长：杨书剑主管财会工作副行长：杜志红
母公司现金流量表
2018年1—3月编制单位：北京银行股份有限公司
法定代表人：张东宁行长：杨书剑主管财会工作副行长：杜志红
4.2 审计报告
□适用√不适用。