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2019年09月16日 星期一

宁波银行(002142)公告正文

宁波银行2007年半年度报告

公告日期:2007-08-06

宁波银行股份有限公司2007年半年度报告

    第一节    重要提示
    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。
    本公司第二届董事会第十一次会议审议了2007年半年度报告及其摘要。参加本次会议的董事18人。本次董事会会议一致同意此报告。
    本公司董事长陆华裕先生、行长俞凤英女士、财务负责人罗维开先生及会计机构负责人孙洪波女士声明:保证2007年半年度报告中财务报告的真实、完整。
    本报告中的财务报告未经会计师事务所审计,请投资者特别关注。
    本公司在编制和披露2004年、2005年和2006年三年财务报表时,已经按照2006年2月财政部新颁布的《企业会计准则》要求执行,因此本公司2007年半年度财务报表不存在新旧准则的调整项目。
    第二节公司基本情况
    一、法定中文名称:宁波银行股份有限公司
    (简称:宁波银行,下称“本公司”)
    法定英文名称:Bank of Ningbo Co.,Ltd.
    二、股票上市证券交易所:深圳证券交易所
    股票简称:宁波银行
    股票代码:002142
    注册地址:中国浙江省宁波市
    办公地址:宁波市中山东路294号
    邮政编码:315040
    本公司国际互联网网址:http://www.nbcb.com.cn
    电子邮箱:DSH@nbcb.cn
    三、法定代表人:陆华裕
    四、董事会秘书:杨晨
    联系地址:中国浙江省宁波市中山东路294号
    宁波银行股份有限公司董事会办公室
    联系电话:(0574)87050028
    传      真:(0574)87050027
    电子邮箱:http://DSH@nbcb.cn
    证券事务代表:陈晨
    联系地址:中国浙江省宁波市中山东路294号
    宁波银行股份有限公司董事会办公室
    联系电话:(0574)87050060
    传      真:(0574)87050027
    电子邮箱:http://DSH@nbcb.cn
    本公司选定信息披露报刊:《中国证券报》《证券时报》《上海证券报》《证券时报》
    刊登本公司半年度报告的中国证监会指定的国际互联网网址:
    http://www.cninfo.com.cn
    本公司2007年度半年度报告全文备置地点:本公司董事会办公室
    五、主要财务数据及指标
    (一)报告期和上年同期主要财务数据与指标                                                    单位:人民币元

             项    目                  2007年1-6月                2006年1-6月             本期比上年同期增减
利润总额                                     506,422,130.11               328,351,789.17         54.23%
净利润                                       382,811,020.33               271,632,846.03         40.93%
扣除非经常性损益的净利润                     381,065,170.01               272,785,245.67         39.69%
营业利润                                     503,816,383.37               330,071,788.63         52.64%
营业外收支净额                                 2,605,746.74                -1,719,999.46        -251.50%
经营活动产生的现金流量净额                 3,710,110,075.01             2,152,578,098.23         72.36%
现金及现金等价物净增加额                     429,929,424.66             1,908,838,995.46        -77.48%
基本每股收益(元)                          0.19                       0.15                      26.67%
稀释每股收益(元)                          0.19                       0.15                      26.67%
扣除非经常性损益的每股收益                  0.19                       0.15                      26.67%
每股经营活动产生的现金流量净
额(元)                                    1.81                       1.05                      72.38%
全面摊薄净资产收益率                        11.35                      9.65                增加1.70个百分点
加权平均净资产收益率                        11.53                      12.06               减少0.53个百分点
扣除非经常性损益后的全面摊薄
净资产收益率                                11.30                      9.69                增加1.61个百分点
扣除非经常性损益后的加权平均
净资产收益率                                11.48                      12.11               减少0.63个百分点
             项   目                2007年6月30日              2006年12月31日              本期末比年初增减
总资产                                   66,919,310,805.45            56,546,232,890.72          18.34%
总负债                                   63,545,896,251.84            53,350,049,192.92          19.11%
股东权益(不含少数股东权益)              3,373,414,553.61             3,196,183,697.80          5.55%
每股净资产(元)                                      1.65                         1.56          5.77%
调整后每股净资产(元)                                1.62                         1.54          5.19%
                   非经常性损益项目                             2007年6月30日
1、非流动资产处置损益                                                      2,769,978.94
2、除上述各项之外的其他营业外收支净额                                       -164,232.20
减:所得税影响额                                                             859,896.42
非经常性损益合计                                                           1,745,850.32
(二)截至报告期末前三期补充财务数据                                                  单位:人民币万元
                   项目                     2007年6月30日       2006年12月31日       2005年12月31日
总负债                                           6,354,589.63           5,335,004.92        4,024,217.57
存款总额                                           5,147,678.30          4,619,139.64       3,752,124.20
贷款总额                                           3,361,604.89          2,813,489.93       1,960,913.29
其中:个人贷款                                       994,320.20            812,835.64         390,856.69
       企业贷款                                    2,367,284.69          2,000,654.29       1,570,056.60
       其中:贷款                                  2,046,390.10          1,814,788.64       1,445,578.46
              贴现                                   271,806.59            144,130.70          99,416.57
              押汇                                   49,088.00              41,734.96          25,061.57
(三)利润表附表                                                                       单位:人民币元
                                            净资产收益率(%)                       每股收益(元)
   报告期利润(2007年1-6月)
                                         全面摊薄          加权平均       基本每股收益      稀释每股收益
营业利润                                       14.93              15.18             0.25              0.25
净利润                                         11.35              11.53             0.19              0.19
扣除非经常性损益后的净利润                     11.30             11.48              0.19              0.19
(四)截止报告期末前三年期末补充财务指标
                                                       2007年            2006年            2005年
                 指标                     标准        6月30日          12月31日          12月31日
  资本充足率(%)                           ≥8                 11.02             11.48             10.81
  核心资本充足率(%)                       ≥4                  9.31              9.71              8.68
                       人民币             ≥25                 54.78             62.61             82.59
  流动性比率(%)        外币               ≥60                105.07            108.91            132.37
                       拆入资金比例       ≤4                   0.14                 0               0.1
  拆借资金比例(%)      拆出资金比例       ≤8                   0.97                0               0.03
  存贷款比例(本外币)(%)                   ≤75                 60.11             57.79             52.26
  不良贷款比率(%)                         ≤5                   0.35              0.33              0.61
  单一最大客户贷款比例(%)                 ≤10                  5.06              5.55              9.18
(五)资本构成及变化情况                                                              单位:人民币万元
                                           2007年6月30日                    2006年12月31日
    资本净额                                                  395163                              360679
    核心资本净额                                              333937                              304934
    加权风险资产净额                                         3585388                            3141730
    资本充足率%                                               11.02                               11.48
    核心资本充足率%                                            9.31                                9.71
        六、银行业务数据
(一)期末贷款五级分类情况                                                              单位:人民币元
                类别                       2007年6月30日                        占比(%)
  正常类                                           30,975,645,473.76               92.16
  关注类                                            2,522,213,945.44                7.50
  次级类                                               37,882,230.89                0.11
  可疑类                                               11,396,192.42                0.03
  损失类                                               68,911,011.95                0.20
                合计                               33,616,048,854.46                100
(二)贷款损失准备的情况                                                                单位:人民币元
                      项  目                                        2007年6月30日
                     年初余额                                                             372,293,537.92
                     本期计提                                                              63,479,652.10
                     本期转出                                                                       0.00
                     本期核销                                                                       0.00
                     本期转回                                                                       0.00
                     折算差异                                                                (69,693.10)
                     年末余额                                                             435,703,496.92

    (三)报告期末前十名客户的贷款情况                                                      单位:人民币元

                                                                         占贷款总额比    占资本净额比
               10大借款人名称                     2007年6月30日              例(%)           例(%)
宁海经济开发区新兴工业园有限公司                          200,000,000.00      0.59            5.06
宁波市城中村改造办公室                                    200,000,000.00      0.59            5.06
宁波市江东区城市建设投资发展有限公司                      200,000,000.00      0.59            5.06
宁波亚德客自动化工业有限公司                              194,176,681.63      0.58            4.91
宁波市镇海区城市建设投资开发有限公司                      190,000,000.00      0.57            4.81
宁波市江北路桥开发建设投资有限公司                        170,000,000.00      0.51            4.30
宁波市镇海投资有限公司                                    156,500,000.00      0.47            3.96
康鑫集团有限公司                                          156,010,994.39      0.46            3.95
慈溪市华泰房产开发有限公司                                150,000,000.00      0.45            3.80
宁波市城市土地储备中心                                    150,000,000.00      0.45            3.80
                     合计                               1,766,687,676.02      5.26           44.71
(四)报告期末主要贷款平均利率                                                          单位:人民币元
                    贷  款                     2007年1-6月的日均余额            贷款平均利率(%)
个人贷款                                                   8,818,084,064.88             7.20
公司贷款                                                  21,694,619,820.36             6.69
(五)报告期末主要存款平均利率                                                          单位:人民币元
                    存  款                     2007年1-6月的日均余额            存款平均利率(%)
个人存款                                                  10,139,458,139.84             1.53
公司存款                                                  38,676,823,816.45             1.52
(六)报告期内其他应收款坏帐准备提取情况                                                单位:人民币元
         类别               2007年6月30日              2006年12月31日                  增加额
其他应收款                           215,197,564.79            264,992,262.64            (49,794,697.85)
坏帐准备                               2,195,263.25              2,195,263.25                       0.00
(七)可供出售金融资产                                     单位:人民币元
                     项目                           2007年6月30日
政府债券                                                    486,359,506.77

    (八)持有至到期投资                                       单位:人民币元

                    项  目                          2007年6月30日
政府债券                                                  15,689,668,190.18
金融机构债券                                               1,099,116,439.24
持有至到期投资合计                                        16,788,784,629.42
减:持有至到期投资减值准备                                             0.00
持有至到期投资账面价值                                    16,788,784,629.42

    (九)报告期末可能对本公司财务状况与经营成果造成重大影响的表外项目                                      单位:人民币元

                                                          保证金所占                                       保证金所占
       项目         2007年6月30日         保证金金额      比例(%)2006年12月31日          保证金金额      比例(%)
开出信用证             1,436,984,468.86    189,437,955.56    13.18      2,174,724,742.21    187,052,583.03    14.67
银行承兑汇票           8,928,411,578.64  4,962,496,015.87    55.58      8,856,094,461.98  4,938,169,330.99    55.76
开出保函                 358,125,285.96    212,746,628.62    59.41        319,071,658.04    145,601,337.92    45.63
贷款承诺及其他         5,268,191,525.57                 -      -        6,019,375,266.41                 -      -
国库券承兑承诺         2,146,688,200.00                 -      -        2,256,181,100.00                 -      -
(十)应收利息、其他应收款的帐龄分析
1.应收利息帐龄分析                                                                            单位:人民币元
                                                   期末数                               期初数
               项目                        金额             坏帐准备            金额             坏帐准备
             1年以内                       4,634,771.20                 0     199,907,116.03                  0
              1-2年                                                           22,095,216.05
              2-3年                                                           17,565,998.48
             3年以上                                                           11,590,621.95
  其中:持股5%以上股东的金额
               合计                        4,634,771.20                 0     251,158,952.51                  0
2.其他应收款帐龄分析                                                                          单位:人民币元
                                                   期末数                               期初数
               项目                        金额             坏帐准备             金额            坏帐准备
             1年以内                     211,370,881.57                 -      261,451,904.31                 -
              1-2年                         716,963.22                 -          171,700.00         85,850.00
              2-3年                         300,300.00         85,850.00        2,211,484.33      2,108,613.25
             3年以上                       2,809,420.00      2,109,413.25        1,157,174.00            800.00
  其中:持股5%以上股东的金额                         -                 -                   -                 -
               合计                      215,197,564.79      2,195,263.25      264,992,262.64      2,195,263.25

    第三节股本变动和主要股东持股情况
    一、报告期内,本公司股本结构未发生变化。

                                                                                                         单位:股
                               报告期初              本期变动增减情况(+,-)                 报告期末
                                                  发行          公积金
                            数量         比例     新股   送股    转股    其他    小计         数量         比例
一、有限售条件股份        2,050,000,000    100%                                       0     2,050,000,000    100%
1、国家持股                 270,000,000  13.17%                                       0       270,000,000  13.17%
2、国有法人股               218,080,500  10.64%                                       0       218,080,500  10.64%
3、其他内资持股           1,311,919,500  64.00%                                       0     1,311,919,500  64.00%
其中:境内非国有法人
持股                        900,734,853  43.94%                                       0       900,734,853  43.94%
      境内自然人持股        411,184,647  20.06%                                       0       411,184,647  20.06%
4、外资持股                 250,000,000  12.20%                                       0       250,000,000  12.20%
  其中:境外法人持股        250,000,000  12.20%                                       0       250,000,000  12.20%
      境外自然人持股
二、无限售条件股份                    0      0%                                       0                 0      0%
1、人民币普通股
2、境内上市的外资股
3、境外上市的外资股
4、其他
三、股份总数              2,050,000,000    100%                                       0     2,050,000,000   100%

    二、报告期末股东总数及前十名股东持股情况、前十名流通股股东、前十名限售股股东

              股东总数                                              2,050,000,000股
前10名股东持股情况                                                                                   (单位:股)
                                                                                持有有限售条件     质押或冻结的股
              股东名称                 股东性质     持股比例       持股总数        股份数量           份数量
  宁波市财政局                            SS             13.17%    270,000,000       270,000,000         无
  华侨银行                               FLS             12.20%    250,000,000       250,000,000         无
  宁波杉杉股份有限公司                    LS              8.73%    179,000,000       179,000,000         无
  雅戈尔集团股份有限公司                  LS              8.73%    179,000,000       179,000,000         无
  宁波富邦控股集团有限公司                LS              8.73%    179,000,000       179,000,000         无
  宁波市电力开发公司                     SLS              8.73%    179,000,000       179,000,000         无
  华茂集团股份有限公司                    LS              8.73%    179,000,000       179,000,000         无
  宁波韵升股份有限公司                    LS              2.97%     60,840,000        60,840,000         无
  浙江卓力电器集团有限公司                LS              2.63%     54,000,000        54,000,000         无
  宁波经济技术开发区控股有限公司         SLS              1.07%     22,009,200        22,009,200         无
    注:上表中股权性质标识含义为:

    SS:国家股股东(State-owned Shareholder的缩写)
    SLS:国有法人股股东(State-owned Legal Person Shareholder的缩写)
    FLS:外资股股东(Foreign Legal-person Shareholder的缩写)
    LS:社会法人股股东(Legal-person Shareholder的缩写)
    据本公司了解,报告期内持有本公司已发行股份5%以上的主要股东之间不存在关联关系。
    报告期内本公司无流通股。
    三、报告期内,本公司没有控股股东或实际控制人。
    第四节      董事、监事、高级管理人员情况
    一、报告期内,本公司董事、监事和高级管理人员持有的本公司股份未发生变动。

                                                                                             单位:股
                                     报告期初      本期增持股份   本期减持股份      报告期末       变动原因
      姓名        在本公司任职        持股数           数量            数量           持股数
     陆华裕     董事、董事长           7,000,000                                       7,000,000
                董事、副董事长兼
     俞凤英     行长                   6,000,000                                       6,000,000
     洪立峰     董事兼副行长           6,000,000                                       6,000,000
                董事兼行长助理、
     罗维开     财务负责人             5,221,947                                       5,221,947
                董事兼董事会秘
      杨晨      书                     2,080,000                                       2,080,000
     孙泽群     董事                     无                                             无
     宋汉平     董事                     无                                             无
     李如成     董事                     无                                             无
     时利众     董事                     无                                             无
     郑永刚     董事                     无                                             无
     徐万茂     董事                     无                                             无
      王峥      董事                     无                                             无
     陈永富     独立董事                 无                                             无
     万建华     独立董事                 无                                             无
     李多森     独立董事                 无                                             无
     翁礼华     独立董事                 无                                             无
     韩子荣     独立董事                 无                                             无
      刘亚      独立董事                 无                                             无
                监事长
      张辉      职工代表监事            6,009,000                                      6,009,000
     王力行     职工代表监事            2,080,000                                      2,080,000
     应林军     职工代表监事              350,000                                        350,000
     张建杰     监事                     无                                             无
     杨雨莳     监事                     无                                             无
     郑孟状     外部监事                 无                                             无
     罗国芳     外部监事                 无                                             无
     任智水     行长助理               5,370,000                                       5,370,000
     陈雪峰     行长助理               5,203,600                                       5,203,600

    以上持股人员所持有的本公司股份全部为限售股份。
    二、报告期内,本公司董事、监事和高级管理人员无新聘或解聘情况。
    第五节      董事会报告
    一、财务状况的分析与讨论
    与上年同期相比,报告期内本公司总资产增长18.34%,总负债增长19.11%,利润总额增长54.23%,净利润增长40.93%,财务整体运行状况良好。
    (一)主要财务指标增减变动及其原因
    单位:人民币千元

     主要财务指标                           报告期末           与报告期初         主要原因
                                                              增减幅度(%)
     总资产                                      66,919,311       18.34       业务规模扩大
     总负债                                      63,545,896       19.11       存款业务增长
     股东权益                                     3,373,415       5.55        净利润贡献
     营业收入                                       998,495       38.07       利息及中间业务收入增加
     营业成本                                       494,679       25.85       业务规模扩大、员工增加
     营业利润                                       503,816       52.64       营业收入增长
     净利润                                         382,811       40.93       营业利润贡献

    注:营业收入包括利息净收入、手续费及佣金净收入、公允价值变动收益、投资收益、汇兑收益和其他业务收入。营业成本包括营业税金及附加、管理费用、资产减值损失和其他业务成本。
    (二)利润报表中主要项目变化的情况
    单位:人民币元

                                                               与去年同期
                                              报告期末          增减幅度              主要原因
  利息收入                                 1,378,133,853.20          38.52%   贷款增加
  利息支出                                   446,364,376.57          33.54%   存款业务增加
  手续费及佣金收入                            75,312,549.77          31.47%   中间业务收入增加
  手续费及佣金支出                             8,865,387.51          45.41%   业务规模扩大
  投资收益(损失以“-”号填列)                  651,962.63         -94.14%   交易性投资收入减少
  汇兑收益(损失以“-”号填列)               -3,774,618.70         146.39%   报表折算差价增加
  其他业务收入                                 3,401,131.69          97.16%   租赁费收入增加
  营业税金                                    62,968,712.62          44.32%   营业收入增加
  业务及管理费                               367,477,623.57          30.35%   业务规模扩大、员工增加
  其他业务成本                                   752,742.75         135.11%   抵债资产处理
  营业外收入                                   4,395,184.75         504.33%   固定资产清理净收益
  所得税费用                                 123,611,109.78         117.94%   利润总额增加

    二、经营情况
    (一)主营业务范围
    本公司主要经营范围为经中国人民银行和中国银行业监督管理委员会批准的下列业务:吸收公众存款;发放短期、中期和长期贷款;办理国内结算;办理票据贴现;发放金融债券;代理发行、代理兑付、承销政府债券;买卖政府债券;从事同业拆借;提供担保;代理收付款项及代理保险业务;提供保险箱服务;办理地方财政信用周转使用资金的委托贷款业务;外汇存款、贷款、汇款;外币兑换;国际结算,结汇、售汇;同业外汇拆借;外币票据的承兑和贴现;外汇担保。2006年10月12日经中国银行业监督管理委员会以银监复[2006]324号文批复同意本公司开办金融衍生产品交易业务。
    (二)经营情况分析
    在报告期内,本公司以提高经济资本收益率为目标,以调整业务结构为主线,进一步优化业务和管理流程,积极推进产品服务和创新,转变经营理念和营销方式,各项业务平稳运行,效益、质量、规模呈现协调发展态势。
    截至六月末,本公司资产总额达到669.19亿元,比年初增18.34%;存款总额达到514.76亿元,比年初增11.44%;贷款总额达到336.16亿元,比年初增19.48%;实现净利润为3.83亿元,同比增40.93%。全面摊薄净资产收益率为11.35%,资本充足率为11.02%;核心资本充足率为9.31%;不良贷款率为0.35%。
    上半年的经营管理主要呈现以下几方面的特点:
    1、进一步完善考核办法,完善组织架构,提高管理效能
    在上年实行平衡计分法的基础上,进一步完善考核办法,实行以经济利润考核为主体,结合目标任务、内部控制、团队合作等内容相挂钩的平衡计分考核,促进支行全面、综合、平衡发展。加强对各级各业务层面包括客户经理的内控建设、合规执行力的考核,体现内控优先的原则。同时突出业务拓展的有效率考核,在各项业务的发展中,既注重业务发展的数量,又强调发展的质量。
    2、继续大力拓展各项业务,确保业务稳步发展
    (1)公司业务。以结构调整为主线,结合客户对我行的贡献度,着力于优质客户群体的巩固、培育、发展和壮大,着力于优质客户的忠诚度的提升。在结构调整的基础上,努力促进大中企业资产业务的平稳增长与发展,重点发展大中企业的负债业务、网银结算业务、国际业务和贸易融资业务,积极寻求资金衍生产品的发展途径。截至6月末,全行对公存款余额414.03亿元,比年初增加45.01亿元,增幅10.87%。其中,大中企业条线存款余额392.27亿元,比年初增加35.87亿元;到6月末网上银行签约客户数26768户,比上年同期增长118.14%,上半年网银交易额577.41亿元,同比增长70.01%;上半年全行实现国际结算27.5亿美元,同比增长31.7%。确定小企业业务条线组织架构及考核体系,开发了颇受市场欢迎的小企业业务产品,推进“资金融通新渠道、零成本财务顾问、现金流增值新方式”为目标的“金色池塘”小企业全面金融服务品牌建设。截至6月末,小企业条线存款余额21.76亿元,比年初增加9.15亿元;全行小企业开户数21185户,比年初增加7584户。
    (2)个人业务。截至6月末,储蓄存款为100.02亿元,比年初增8.04%;个人贷款余额99.43亿元,比年初增22.34%,个人贷款占全部贷款29.58%,比年初提高0.69个百分点。
    本公司在理财业务、以“金算盘”为主的新产品以及银行卡业务推广上有所突破。上半年总计发行了六期汇通人民币理财产品,市场反响较好;金算盘业务发展较快,受到个体私营业主的青睐,市场前景较好,客户质量不断提升,到6月末共有金算盘客户20221户,比去年新增13163户。上半年本公司银行卡业务保持较好的发展势头。在不断拓展发卡渠道,扩大发卡规模的同时,积极组织开展交易促进活动,实行区域联动,使信用卡的交易量和业务收入有了大幅度的提升。到6月底,借记卡累计发卡量达119.5万张,新增26.6万张;贷记卡发卡量达16.2万张,新增6万张,发卡规模稳居全市第一;POS交易额超过14亿元,银行卡各项业务收入达到1929万元,信用卡交易额和业务收入均超过去年全年。
    (3)资金业务。本公司在积极发展货币市场、债券市场、外汇市场的基础上,依托衍生产品业务的拓展,努力提高资金业务的收入占比。一是建立了交易和营销团队,二是积极发展理财产品,三是推出了远期结售汇、远期掉期外汇买卖等代客汇率风险管理新产品。截至到6月末完成远期结售汇交易1.8亿美元,代客外汇买卖1000万美元,实现收益人民币350万元,并发行了6期汇通人民币理财产品3.2亿元,发行3期外币理财产品48.4万美元。
    3、完善和落实风险控制措施,进一步提高风险管理水平
    一是建立信用风险、流动性风险、操作风险、市场风险管理岗位,形成全面的、专业的风险管理队伍。二是成立了合规部,以加强全行法律风险和合规风险的管理。三是建立了独立的小企业信用风险管理制度。四是完善贷后管理制度与程序,实现了小企业贷后管理及大中型企业贷后管理两类模式。
    4、上海分行顺利开业,实现了跨区域经营
    今年1月9日,银监会批复同意我行筹建上海分行,上海分行已于5月18日顺利开业,使我行实现了跨区域经营,这对于提升本公司的品牌形象,寻求新的发展空间,确保可持续发展有一定促进作用。
    5、积极推进企业文化建设
    根据本公司经营管理的实际和发展的需要,确定了“诚信敬业,合规高效,融合创新”的企业文化,组织全行员工听取有关专家关于“先进银行优秀企业文化”的专题讲座,开展了企业文化教育演讲比赛,确立全行统一的价值观和经营理念,为我行的发展注入新的生机和活力。
    6、进一步加快科技平台建设,为业务发展和管理提供有力的技术支撑
    今年上半年,我行继续致力于科技信息平台建设,依靠科技信息平台,进一步健全和完善了金融工具和支付结算手段,为业务发展提供技术支撑。目前,本公司已经着手建设MIS系统,人力资源管理(HR)系统、CRM系统、办公助手系统等项目,从而提高全行数据信息的管理效率,进一步为客户提供便捷高效的服务。
    7、做好人力资源管理和人才培养工作
    为了适应业务发展的需要,本公司从内部培训和外部引进两个方面积极改善人员素质结构,提高全行管理和服务水平,引进境外高端人才6名,举办了21期各类员工培训班,启动了“五年百人培养计划”,经选拔已有11名员工到华侨银行进行为期2年的跟班学习。
    (三)分行业、产品情况
    单位:人民币元

                                 2007年1-6月              2006年1-6月            本期比上年同期增减
一、利息净收入                        931,769,476.63            660,653,052.10                  41.04%
1、利息收入                         1,378,133,853.20            994,907,625.80                  38.52%
—存放同业                             16,524,210.04             32,060,700.08                 -48.46%
—存放中央银行                         45,376,761.00             27,195,535.14                  66.85%
—拆出资金                              2,571,111.10                 95,883.66                2581.49%
—买入返售金融资产                      7,306,569.68                507,023.91                1341.07%
—发放贷款及垫款                    1,044,037,707.02            731,918,525.69                  42.64%
—债券投资                            262,317,494.36            203,129,957.32                  29.14%
2、利息支出                           446,364,376.57            334,254,573.70                  33.54%
—同业存放                              1,627,390.68                560,068.99                 190.57%
—向中央银行借款                           96,200.00                      0.00                       -
—拆入资金                                796,599.20             44,316,992.90                 -98.20%
—吸收存款                            369,437,203.15            289,377,511.81                  27.67%
—卖出回购金融资产                     74,405,334.22                      0.00                       -
—发行债券                                      0.00                      0.00                       -
—其他                                      1,649.32                      0.00                       -
二、手续费及佣金净收入                 66,447,162.26             51,190,163.32                  29.80%
1、手续费及佣金收入                     75,312,549.77            57,286,781.29                  31.47%
—国内结算手续费收入                    11,836,504.86            11,436,545.11                   3.50%
—代理手续收入                          16,728,274.69            10,638,610.82                  57.24%
—银行卡手续费收入                       6,761,034.21             1,970,107.02                 243.18%
—外汇结算手续费收入                    11,550,278.37             9,686,029.95                  19.25%
—其他手续费收入                           165,294.44                331,243.59                -50.10%
—外汇兑换收入                               6,455.29                     0.00                       -
—经营套汇收入                                  0.00                485,909.91                -100.00%
—结售汇业务收入                       28,264,707.91             22,723,806.60                  24.38%
—代客外汇买卖收入                               0.00                11,474.97                -100.00%
—其他外汇收入                                   0.00                 3,053.32                -100.00%
2、手续费及佣金支出                      8,865,387.51             6,096,617.97                  45.41%
—结算手续费支出                         2,526,395.82             2,247,891.73                  12.39%
—代理手续费支出                            84,810.00                   651.33               12921.05%
—银行卡手续费支出                       4,681,379.80             2,333,986.04                 100.57%
—外汇结算手续费支出                     1,125,977.95               948,328.08                  18.73%
—外币兑换损失                              39,012.34                   963.79                3947.81%
—经营套汇损失                                  0.00                461,484.60                -100.00%
—结售汇汇兑损失                                   0                      0.00                       -
—其他外汇业务                             407,811.60               103,312.40                 294.74%
三、投资收益                               651,962.63             11,118,046.59                -94.14%
四、汇兑收益                           (3,774,618.70)            (1,531,999.43)                146.39%
五、其他业务收入                         3,401,131.69             1,725,074.47                  97.16%
营业收入合计                           998,495,114.51           723,154,337.05                  38.07%

    (四)分业务条线情况

                                                                                                   单位:人民币元
                                                  2007年1-6月
        项     目            公司业务        个人银行业务        资金业务          其他业务            合计
利息收入净额                 552,893,945.84    252,522,873.51    126,352,657.28             0.00     931,769,476.63
手续费收入净额                20,106,331.09     11,547,729.64      6,968,762.27             0.00      38,622,823.00
净交易收入/支出               27,824,339.26              0.00              0.00             0.00      27,824,339.26
证券投资净收益                         0.00              0.00        651,962.63             0.00         651,962.63
其他营业收入/支出                      0.00              0.00              0.00     2,648,388.84       2,648,388.84
公允价值变动收益                                                           0.00                                0.00
汇兑收益                     (3,774,618.70)                                                          (3,774,618.70)
出售子公司股份净收益                   0.00              0.00              0.00             0.00               0.00
营业税金及附加                43,694,531.69     18,658,775.73        425,503.06       189,902.14      62,968,712.62
业务及管理费                 196,706,170.56     83,998,985.24     85,894,176.18       854,910.69     367,454,242.67
贷款减值(损失)/回拨         38,629,901.27     24,849,750.83              0.00             0.00      63,479,652.10
除贷款外的其他资产减                   0.00              0.00              0.00             0.00               0.00
值(损失)/回拨
营业利润                     318,019,393.97    136,563,091.35     47,653,702.94     1,603,576.01     503,839,764.27
营业外收支净额                         0.00              0.00              0.00     2,605,746.74       2,605,746.74
税前利润                     318,019,393.97    136,563,091.35     47,653,702.94     4,209,322.75     506,445,511.01
资产总额                  25,221,581,347.97 10,120,449,539.20 31,346,733,855.18   231,585,549.16 66,920,350,291.51
负债总额                  43,018,294,660.32 10,240,331,064.08  9,951,529,878.54   335,717,268.00 63,545,872,870.94
补充信息
1、折旧和摊销费用             20,747,853.92      8,859,908.52      9,059,806.38        90,172.88      38,757,741.70
2、资本性支出                 33,736,849.58     14,406,569.57     14,731,611.59       146,624.75      63,021,655.49
       (五)分地区情况
                                                                                                 单位:人民币万元
                    地区                                  营业收入                   营业收入比上年增减(%)
宁波地区                                                              99,692.73                            37.86%
上海地区                                                                 156.78

    注:上海分行已于2007年5月18日开业。
    (六)机构情况
    报告期末,公司共有70个分支机构,已经监管部门批准尚在筹建网点的1家,38个离行式ATM自助银行。
    报告期内,本公司经中国银监会批准在上海设立第一家异地分行,并于5月18日正式对外营业。
    (七)主要参股公司情况

                                                                                       单位:人民币元
       参股公司名称                                    公司持股比例(%)             报告期末投资数
       中国银联股份有限公司                                       0.48                       8,000,000.00
       城市商业银行资金清算中心                                   0.83                         250,000.00

    (八)经营中存在的问题及解决措施
    报告期内,国民经济运行依旧保持较高的增长速度,房地产价格上涨压力明显,CPI指数居高不下,国家宏观调控措施不断出台,使得商业银行面临的信用风险、利率风险、汇率风险不断显现;国家对外资银行的人民币业务的全面开放,使得国内人民币业务市场的竞争更加激烈,外资银行将利用其优秀的业务团队、先进的风险管理技术和全球的经营资源加快在国内争夺优质客户,内资银行将面临更大的市场挑战;利率市场化步伐进一步加快。针对以上经营中存在的困难与风险,本公司立足服务中小企业,加快个人业务发展步伐,逐步提高市场占比,加快推动产品创新,努力提高中间业务收入水平,保障经营业务的稳步健康发展。
    (九)报告期内,本公司没有发生对净利润产生重大影响的其他经营业务。
    三、报告期内,公司董事会未对下半年的经营计划进行调整。
    四、对2007年前三季度经营业绩的预计

                                                                                        单位:人民币元
对2007年前三季度经营业绩的预计净利润比上年同期增长30%以上
2006年前三季度的经营业绩            净利润(已按新会计准则调整)                         443,265,411.08
业绩变动的原因说明                  业务规模扩大

    五、本报告的财务报告未经过会计师事务所审计。
    第六节      重要事项
    一、公司治理情况
    公司根据监管要求和公司实际情况,不断提高公司治理水平。
    报告期内,公司召开了2006年度股东大会;二届董事会第十次董事会会议;二届董事会2007年六次临时董事会;二届董事会一次风险管理委员会会议、二届董事会一次关联交易控制管理委员会会议、二届董事会二次审计委员会会议、二届董事会一次薪酬委员会会议;二届监事会第十次会议;二届监事会审计委员会第六次会议。
    报告期内,公司根据中国银行业监督管理委员会2007年2月13日银监复[2007]64号文件批复成功完成了更名事宜,同时按照《公司法》和《商业银行法》的有关规定,修改了《公司章程》,并已得到监管机构的核准。
    报告期内,董事会审议并通过了公司2006年度工作报告、风险管理执行情况、2007年市场风险管理限额、内部人和股东关联交易执行情况、股权质押情况、聘请外部财务审计机构、高级管理层和高级管理人员绩效评价报告、董事会工作报告、财务决算及预算报告、利润分配方案、设立杭州分行和庄市等支行等议案。
    报告期内,公司成功实现上海分行的开业,成为首家在我国金融中心上海开设分行的城市商业银行。
    二、利润分配方案
    根据本公司2006年度股东大会决议,2006年度本公司利润分配为每股分红0.106元,该分配方案已于报告期内实施。
    本公司不进行半年度利润分配和资本公积转增股本。
    三、重大诉讼事项
    截至2007年6月30日止,本公司作为原告的诉讼案件的标的金额为2,446.64万元,本公司作为被告的诉讼案件的标的金额为51.50万元。
    四、重大资产收购、出售及资产重组事项
    报告期内,本公司没有发生重大收购、出售资产及资产重组事项。
    五、重大关联交易事项
    本公司遵循诚信、公允的商业原则处理与关联方的关联交易。截至报告期末,本公司关联方贷款余额为7.87亿元人民币,占本公司贷款总额的2.32%,比年初下降0.43个百分点;关联方存款余额为10.87亿元,占本公司存款总额的2.10%,比年初上升0.11个百分点。本公司遵循对关联方不发放信用贷款的原则。本公司现有关联交易金额对公司的正常经营活动不会产生重大影响。
    (一)报告期末对董事、关键管理人员的贷款                                     单位:人民币元

                关联方名称                                  2007年6月30日
                   应林军                                       600,000.00
                   王力行                                       700,000.00
                    合计                                      1,300,000.00

    (二)报告期末对除本公司董事、关键管理人员外的内部人以及内部人的近亲属的贷款
    单位:人民币元、户

                    内容                                    2007年6月30日
                    金额                                      233,905,462.40
                    户数                                            449

    (三)报告期末与持有本公司5%及5%以上的股份的股东的关联交易余额

                                                                                             单位:人民币元
         关联方名称              贷款余额         存款余额       开出信用证     银行承兑汇票      开出保函
宁波市财政局                         -          882,263,776.00        -               -               -
宁波杉杉股份有限公司                 -            2,736,137.90        -               -               -
宁波富邦控股集团有限公司             -            1,643,542.94        -               -               -
宁波市电力开发公司                   -              350,649.95        -               -               -

    (四)报告期末与受本公司内部人及其近亲属直接、间接、共同控制或可施加重大影响的企业的关联交易余额

                                                                                             单位:人民币元
                                              2007年6月30日
           关联方名称                                       贷款余额        存款余额                 开出信用证        银行承兑汇票          开出保函
杉杉集团有限公司                                       80,000,000.00      4,498,883.13                      -                    -
宁波杉杉科技创业投资有限公司                           20,000,000.00        614,599.61                      -                    -
宁波杉杉服装有限公司                                   45,000,000.00      1,103,327.14                      -                    -
中国宁波国际合作有限责任公司                                       -         46,680.13                      -                    -                -
宁波杉杉新材料科技有限公司                             44,170,000.00     10,549,757.71                      -         9,595,033.26                -
宁波贝儿森孕婴用品有限公司                              1,000,000.00        279,400.30                      -                    -                -
浙江省技术进出口宁波有限公司                                       -         97,529.85                      -                    -                -
宁波奇能商贸有限公司                                               -      2,228,789.35                      -                    -                -
宁波市工艺品进出口有限公司                              5,800,000.00      1,253,869.18                      -                    -                -
宁波杉杉衬衫有限公司                                               -        121,088.12                      -                    -                -
宁波源兴贸易有限公司                                               -        187,194.16                      -                    -                -
宁波松和制衣有限公司                                               -         48,398.15                      -                    -                -
宁波杉杉大东服装有限公司                                           -      5,018,944.55                      -                    -                -
中基宁波对外贸易股份有限公司                           28,123,772.90   40,295,016.87 193,838,623.80                              -                -
宁波经济技术开发区中基进出口
有限公司                                                           -     59,313,713.86          11,764,163.52                    -       162,874.41
宁波保税区新悦国际贸易有限公
司                                                                 -         20,068.72                      -                    -                -
宁波雅戈尔国际贸易运输有限公
司                                                      3,853,000.00      2,902,341.91           7,529,882.14                    -                -
宁波千一进出口有限公司                                             -        740,072.25                      -                    -                -
宁波雅戈尔置业有限公司                                             -      1,369,759.85                      -                    -                -
宁波建国物业管理有限公司                                           -        540,428.64                      -                    -                -
宁波宜科科技实业股份有限公司                                       -         19,898.29                      -                    -                -
宁波正新源进出口有限公司                                           -        152,015.26                      -                    -                -
宁波市家电日用品进出口有限公
司                                                    109,080,543.83      2,633,145.07                 471.67                    -                -
宁波双鹿电池有限公司                                    5,000,000.00      1,261,680.98                      -                    -                -
宁波亨润集团有限公司                                   20,000,000.00        463,926.69                      -                    -                -
宁波亨润聚合有限公司                                   83,710,780.55        782,306.35                      -                    -                -
宁波富邦精业集团股份有限公司                                       -         46,638.01                      -                    -                -
宁波富邦家具有限公司                                   20,000,000.00        101,125.46                      -                    -                -
宁波富邦精业集团股份有限公司
铝材厂                                                 10,000,000.00      2,144,643.95                      -                    -                -
宁波云海宾馆有限公司                                               -          1,462.95                      -                    -                -
宁波亨润家具有限公司                                   35,000,000.00      2,336,947.90                      -                    -                -
宁波亨润铝业有限公司                                               -         31,238.07                      -                    -                -
宁波庆丰热电有限公司                                               -        100,173.89                      -                    -                -
宁波开发投资集团有限公司                                           -     25,714,448.35                      -                    -                -
宁波长丰热电有限公司                                               -      3,088,959.72                      -                    -                -
宁波凯利大酒店有限公司                                             -      1,513,581.84                      -                    -                -
宁波宁电进出口有限公司                                             -        167,251.73                      -                    -                -
宁波溪口抽水蓄能电站有限公司                                       -     20,139,702.50                      -                    -                -
宁波久丰热电有限公司                                               -        204,907.51                      -                    -                -
宁波华茂文教股份有限公司                                           -        178,350.39                      -                    -                -
宁波中天投资有限公司                                               -          5,020.03                      -                    -                -
宁波华茂房地产开发有限公司                                         -         91,874.87                      -                    -                -
浙江华茂国际贸易有限公司                               27,680,554.01      4,826,210.74          16,069,388.05         9,990,000.00                -
华茂集团股份有限公司                                         -            2,458,097.51                 -                   -                  -
               合计                                   538,418,651.29    199,693,471.54         229,202,529.18        19,585,033.26       162,874.41

    (五)重大关联交易和特别重大关联交易执行情况
    报告期内,我行共发生重大关联交易38笔,发生额敞口折合人民币451837072.4元。

                                                                                          单位:元、美元、日元等
                                                          2007年06月30日
                                                                 折合发生额风险敞口(人
      企业名称       业务种类    出帐日期   币种    发生金额     (人民币)     民币)       到期日     当前余额
中基宁波对外贸易开立进口
股份有限公司         信用证     2007/06/08   美元    4743200.00  36285480.00   36285480.00 2007/10/31    4743200.00
中基宁波对外贸易开立进口
股份有限公司         信用证     2007/06/28   美元    1656049.50  12668778.68   12668778.68 2007/08/10    1656049.50
中基宁波对外贸易开立进口
股份有限公司         信用证     2007/06/29   美元      43600.00    333540.00     333540.00 2007/09/03      43600.00
                     信用证项
中基宁波对外贸易下出口押
股份有限公司         汇         2007/06/29   美元     822321.80   6290761.77    6290761.77 2007/08/27          0.00
                     信用证项
中基宁波对外贸易下出口押
股份有限公司         汇         2007/06/29   美元    2871467.49  21966726.30   21966726.30 2007/08/27          0.00
中基宁波对外贸易开立进口
股份有限公司         信用证     2007/03/16   美元    7150000.00  55770000.00   55770000.00 2007/07/30    6813633.64
中基宁波对外贸易开立进口
股份有限公司         信用证     2007/05/10   美元    9707500.00  75718500.00   75718500.00 2007/08/30          0.00
宁波杉杉服装有限流动资金
公司                 贷款       2007/05/21人民币    45000000.00  45000000.00   45000000.00 2008/05/13 45000000.00
         合计                                                   254033786.74

    六、重大合同及其履行情况
    (一)报告期内,本公司没有发生重大交易、托管、承包、租赁其他公司资产事项。
    (二)重大担保事项。担保业务属于本公司常规的表外业务之一。本公司开展对外担保业务遵循审慎原则,严格按贷款分类对担保业务进行日常风险管理。报告期内,本公司除中国人民银行批准的经营范围内的金融担保业务以外,没有其他需要披露的重大担保事项。
    (三)报告期内,本公司没有发生重大委托他人进行现金资产管理事项。
    七、公司或5%以上股东重要承诺事项及履行情况
    报告期内,本公司或5%以上股东无重要承诺事项。
    八、公司、董事会及董事有无受中国证监会稽查、行政处罚和证券交易所公开谴责的情况。
    报告期内,本公司、董事会及董事没有上述情况。
    九、公司对公司累计和当期对外担保情况。
    报告期内,本公司无累计和当期对外担保情况。
    第七节     财务报告
    本报告期财务报告未经审计,财务报表及报表附注详见附件。
    第八节       备查文件
    (一)载有本公司董事长签名的2007年半年度报告正本。
    (二)载有单位负责人、行长、财务负责人和会计机构负责人签名的财务报表。
    (三)报告期内载中国证监会制定报刊上公开披露过的所有文件的正本及公告的原稿。
    (四)《宁波银行股份有限公司章程》
    第九节      附    件
    附件:财务报表及附注。
    董事长:陆华裕
    宁波银行股份有限公司董事会
    二○○七年八月二日
    附件:
    宁波银行股份有限公司
    截至2007年6月30日止六个月期间的财务报表
    (未经审计)

                                                    资        产        负        债        表
                                                             (未经审计)
编制单位:宁波银行股份有限公司                                                                                           金额单位:人民币元
         资    产            2007年6月30日          2006年12月31日            负债及所有者权益          2007年6月30日          2006年12月31日
  现金及存放中央银行
                                                                             向中央银行借款                             0.00                    0.00
款项                             8,808,223,805.16        7,527,710,802.25
                                                                              同业及其他金融机构
  存放同业款项                                                                                                152,420,629.49          138,579,995.68
                              1,183,371,602.20           970,791,294.98存放款项
  贵金属                                     0.00                    0.00    拆入资金                          72,331,100.00                    0.00
  拆出资金                         500,000,000.00                    0.00    交易性金融负债                             0.00                    0.00
  交易性金融资产                             0.00                    0.00    衍生金融负债                               0.00                    0.00
  衍生金融资产                               0.00                    0.00    卖出回购金融资产款             9,690,000,000.00        5,000,000,000.00
  买入返售金融资产               3,406,858,891.96        3,337,535,092.90    吸收存款                      51,476,782,981.57       46,191,396,397.45
  应收利息                           4,634,771.20          251,158,952.51    应付职工薪酬                      69,392,854.54          129,088,648.17
  发放贷款和垫款                33,180,345,357.54       27,762,605,778.96    应交税费                         112,518,726.56           88,939,280.09
  可供出售金融资产                 486,359,506.77          470,910,000.00    应付利息                         223,144,613.76          169,791,502.85
  持有至到期投资                16,788,784,629.42       13,715,866,626.75    预计负债                                   0.00                    0.00
  长期股权投资                       8,250,000.00            8,250,000.00    应付债券                                   0.00                    0.00
  投资性房地产                     160,592,600.00          163,738,463.00    递延所得税负债                    21,006,875.67           21,006,875.67
  固定资产                         567,729,821.52          572,838,897.32    其他负债                       1,728,298,470.25        1,611,246,493.01
  无形资产                          13,835,686.28           10,981,401.72    负债合计                      63,545,896,251.84       53,350,049,192.92
  递延所得税资产                    41,356,159.46           41,356,159.46
  其他资产                       1,768,967,973.94        1,712,489,420.87    股本                           2,050,000,000.00        2,050,000,000.00
                                                                             资本公积                         337,081,745.48          336,905,745.62
                                                                             减:库存股                                 0.00                    0.00
                                                                             盈余公积                         147,912,789.73          147,912,789.73
                                                                             一般风险准备                      70,973,394.62           70,973,394.62
                                                                             未分配利润                       767,446,623.78          590,391,767.83
                                                                             股东权益合计                   3,373,414,553.61        3,196,183,697.80
  资产总计                      66,919,310,805.45       56,546,232,890.72    负债和股东权益总计            66,919,310,805.45       56,546,232,890.72
单位负责人:陆华裕            行长:俞凤英         主管会计工作的负责人:罗维开                       会计机构负责人:        孙洪波
                                                        利        润        表
                                                       (未经审计)
编制单位:宁波银行股份有限公司                                                                        金额单位:人民币元
                          项         目                                     2007年1-6月                         2006年1-6月
一、营业收入                                                                          998,495,114.51                      723,154,337.05
     利息净收入                                                                       931,769,476.63                      660,653,052.10
     利息收入                                                                       1,378,133,853.20                      994,907,625.80
     利息支出                                                                         446,364,376.57                      334,254,573.70
     手续费及佣金净收入                                                                66,447,162.26                       51,190,163.32
     手续费及佣金收入                                                                  75,312,549.77                       57,286,781.29
     手续费及佣金支出                                                                   8,865,387.51                        6,096,617.97
     投资收益(损失以“-”号填列)                                                        651,962.63                       11,118,046.59
     公允价值变动收益(损失以“-”号填列)                                                      0.00                                0.00
     汇兑收益(损失以“-”号填列)                                                    (3,774,618.70)                      (1,531,999.43)
     其他业务收入                                                                       3,401,131.69                        1,725,074.47
二、营业支出                                                                          494,678,731.14                      393,082,548.42
     营业税金及附加                                                                    62,968,712.62                       43,633,082.39
     业务及管理费                                                                     367,477,623.57                      281,908,781.61
     资产减值损失                                                                      63,479,652.10                       67,220,522.26
     其他业务成本                                                                         752,742.85                          320,162.16
三、营业利润(亏损以“-”号填列)                                                     503,816,383.37                      330,071,788.63
     加:营业外收入                                                                     4,395,184.75                          727,287.06
     减:营业外支出                                                                     1,789,438.01                        2,447,286.52
四、利润总额(亏损总额以“-”号填列)                                                 506,422,130.11                      328,351,789.17
     减:所得税费用                                                                   123,611,109.78                       56,718,943.14
五、净利润(净亏损以“-”号填列)                                                     382,811,020.33                      271,632,846.03
六、每股收益:                                                                                  0.00                                0.00
(一)基本每股收益                                                                              0.19                                0.15
(二)稀释每股收益                                                                              0.19                                0.15
单位负责人:陆华裕                 行长:俞凤英             主管会计工作的负责人:罗维开             会计机构负责人:孙洪波
                                                                                           股东权益变动表
                                                                                                (未经审计)
编制单位:宁波市商业银行股份有限公司                                                                                                                                                   金额单位:人民币元
                                                                                                                                           2007年1-6月
                               项     目
                                                                                  股本                  资本公积               盈余公积            一般风险准备                未分配利润               所有者权益合计
一、上年报告期末余额                                                        2,050,000,000.00         336,905,745.62          147,912,789.73           70,973,394.62              590,391,767.83            3,196,183,697.80
加:会计政策变更
前期差错更正
二、本年年初余额                                                            2,050,000,000.00         336,905,745.62          147,912,789.73           70,973,394.62              590,391,767.83            3,196,183,697.80
三、本年增减变动金额(减少以“-”号填列)                                                                  175,999.86                                                            177,054,855.95                177,230,855.81
(一)净利润                                                                                                                                                                     382,811,020.33                382,811,020.33
(二)直接计入所有者权益的利得和损失                                                                       175,999.86                                                                                              175,999.86
1.可供出售金融资产公允价值变动净额                                                                        175,999.86                                                                                              175,999.86
(1)计入所有者权益的金额                                                                                  175,999.86                                                                                              175,999.86
(2)转入当期损益的金额
2.现金流量套期工具公允价值变动净额
(1)计入所有者权益的金额
(2)转入当期损益的金额
(3)计入被套期项目初始确认金额中的金额
3.权益法下被投资单位其他所有者权益变动的影响
4.与计入所有者权益项目相关的所得税影响
5.其他
上述(一)和(二)小计                                                                                     175,999.86                                                            382,811,020.33                382,987,020.19
(三)所有者投入和减少资本
1.所有者投入资本
2.股份支付计入所有者权益的金额
3.其他
(四)利润分配                                                                                                                                                                 (205,756,164.38)            (205,756,164.38)
1.提取盈余公积
2.提取一般风险准备
3.对所有者(或股东)的分配                                                                                                                                                    (205,756,164.38)              (205,756,164.38)
4.其他
(五)所有者权益内部结转
1.资本公积转增资本(或股本)
2.盈余公积转增资本(或股本)
3.盈余公积弥补亏损
4.一般风险准备弥补亏损
5.其他
四、本年报告期末余额                                                        2,050,000,000.00         337,081,745.48          147,912,789.73           70,973,394.62              767,446,623.78            3,373,414,553.61
单位负责人:陆华裕                                   行长:俞凤英                                     主管会计工作的负责人:罗维开                                           会计机构负责人:孙洪波
                                                                                      股东权益变动表
                                                                                           (未经审计)
编制单位:宁波市商业银行股份有限公司
                                                                                                                                 2006年1-6月
                          项     目
                                                                       股本                   资本公积                盈余公积             一般风险准备               未分配利润              所有者权益合计
一、上年报告期末余额                                             1,800,000,000.00                (21,373.95)         84,704,338.59                                     302,489,102.21              2,187,172,066.85
加:会计政策变更
前期差错更正
二、本年年初余额                                                 1,800,000,000.00                (21,373.95)         84,704,338.59                                     302,489,102.21              2,187,172,066.85
三、本年增减变动金额(减少以“-”号填列)                           250,000,000.00           317,353,098.95                                    70,973,394.62           (9,340,548.59)               628,985,944.98
(一)净利润                                                                                                                                                           271,632,846.03               271,632,846.03
(二)直接计入所有者权益的利得和损失                                                         (2,646,901.05)                                                                                         (2,646,901.05)
1.可供出售金融资产公允价值变动净额                                                          (3,950,598.59)                                                                                         (3,950,598.59)
(1)计入所有者权益的金额                                                                    (3,950,598.59)                                                                                         (3,950,598.59)
(2)转入当期损益的金额
2.现金流量套期工具公允价值变动净额
(1)计入所有者权益的金额
(2)转入当期损益的金额
(3)计入被套期项目初始确认金额中的金额
3.权益法下被投资单位其他所有者权益变动
的影响
4.与计入所有者权益项目相关的所得税影响                                                         1,303,697.54                                                                                           1,303,697.54
5.其他
上述(一)和(二)小计                                                                        (2,646,901.05)                                                           271,632,846.03                268,985,944.98
(三)所有者投入和减少资本                                          250,000,000.00           320,000,000.00                                                                                         570,000,000.00
1.所有者投入资本                                                   250,000,000.00           320,000,000.00                                                                                         570,000,000.00
2.股份支付计入所有者权益的金额
3.其他
(四)利润分配                                                                                                                                 70,973,394.62         (280,973,394.62)             (210,000,000.00)
1.提取盈余公积
2.提取一般风险准备                                                                                                                            70,973,394.62          (70,973,394.62)
3.对所有者(或股东)的分配                                                                                                                                          (210,000,000.00)              (210,000,000.00)
4.其他
(五)所有者权益内部结转
1.资本公积转增资本(或股本)
2.盈余公积转增资本(或股本)
3.盈余公积弥补亏损
4.一般风险准备弥补亏损
5.其他
四、本年报告期末余额                                             2,050,000,000.00             317,331,725.00         84,704,338.59             70,973,394.62           293,148,553.62              2,816,158,011.83
单位负责人:陆华裕                                  行长:俞凤英                          主管会计工作的负责人:罗维开                                  会计机构负责人:孙洪波
                                                   现金流量表
                                                       (未经审计)
编制单位:宁波银行股份有限公司                                                                                      金额单位:人民币元
                   项                          目                              2007年1-6月金额                       2006年1-6月金额
 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                                                            5,299,227,217.93                   4,946,845,162.47
 向中央银行借款净增加额                                                                                0.00
 向其他金融机构拆入资金净增加额                                                            4,961,407,300.94                   4,577,085,003.87
 客户贷款及垫款净减少额                                                                                0.00
 存放中央银行和同业款项净减少额                                                                        0.00                     192,858,075.90
 收取利息、手续费及佣金的现金                                                              1,193,216,930.63                     848,000,296.56
 收到其他与经营活动有关的现金                                                                191,991,541.17                     105,920,675.56
              经营活动现金流入小计                                                        11,645,842,990.67                  10,670,709,214.36
 客户贷款及垫款净增加额                                                                    5,481,219,230.68                   7,773,336,509.00
 存放中央银行和同业款项净增加额                                                            1,398,398,537.09
 客户存款和同业存放款项净减少额                                                                        0.00
 向中央银行借款净减少额                                                                                0.00
 向其他金融机构拆入资金净减少额                                                                        0.00
 支付利息、手续费及佣金的现金                                                                406,237,780.83                     299,330,261.56
 支付给职工及为职工支付的现金                                                                244,744,435.10                     182,686,160.42
 支付的各项税费                                                                              167,820,126.13                     174,155,043.56
 支付其他与经营活动有关的现金                                                                237,312,805.83                      88,623,141.59
              经营活动现金流出小计                                                         7,935,732,915.66                   8,518,131,116.13
     经营活动产生的现金流量净额                                                            3,710,110,075.01                   2,152,578,098.23
 二、投资活动产生的现金流量:
 收回投资收到的现金                                                                       12,959,029,768.75                   9,407,606,471.20
 取得投资收益收到的现金                                                                      511,114,781.31                      95,615,943.52
 收到其他与投资活动有关的现金                                                                  6,076,000.00
              投资活动现金流入小计                                                        13,476,220,550.06                   9,503,222,414.72
 购建固定资产、无形资产和其他长期资产支付的现金                                               63,021,655.49                      79,267,293.76
 投资支付的现金                                                                           16,479,734,664.08                  10,014,077,319.65
 支付其他与投资活动有关的现金                                                                          0.00
              投资活动现金流出小计                                                        16,542,756,319.57                  10,093,344,613.41
     投资活动产生的现金流量净额                                                          (3,066,535,769.51)                   (590,122,198.69)
 三、筹资活动产生的现金流量:
 吸收投资所收到现金                                                                                    0.00                     570,000,000.00
 发行债券收到的现金                                                                                    0.00
 收到其他与筹资活动有关的现金                                                                          0.00
              筹资活动现金流入小计                                                                     0.00                     570,000,000.00
 分配股利或利润所支付的现金                                                                  205,756,164.38                     221,144,998.08
 支付其他与筹资活动有关的现金                                                                          0.00
              筹资活动现金流出小计                                                           205,756,164.38                     221,144,998.08
     筹资活动产生的现金流量净额                                                            (205,756,164.38)                     348,855,001.92
 四、汇率变动对现金的影响                                                                    (7,888,716.46)                     (2,471,906.00)
 五、现金及现金等价物净增加额                                                                429,929,424.66                   1,908,838,995.46
 加:期初现金及现金等价物余额                                                              5,101,106,154.44                   5,392,724,111.41
 六、期末现金及现金等价物余额                                                              5,531,035,579.10                   7,301,563,106.87
单位负责人:陆华裕                 行长:俞凤英               主管会计工作的负责人:罗维开               会计机构负责人:孙洪波
                                              现金流量表补充资料
                                                       (未经审计)
编制单位:宁波银行股份有限公司                                                                               金额单位:人民币元
                          补充资料                                        2007年1-6月                            2006年1-6月
1.将净利润调节为经营活动现金流量:
     净利润(亏损以“-”号表示)                                                   382,811,020.33                        271,632,846.03
     加:资产减值准备                                                                63,479,652.10                         67,220,522.26
          固定资产折旧                                                                35,138,132.28                        28,659,832.40
          无形资产摊销                                                                 1,680,893.44                         2,590,795.65
          长期待摊费用减少                                                             1,938,715.98                         3,546,703.26
          处置固定资产、无形资产和其他长期资产的损失                                 (2,769,978.94)                           305,897.96
          固定资产报废损失
          公允价值变动损失
          投资损失                                                                (262,969,456.99)                      (214,248,003.91)
          递延所得税资产减少                                                                                                2,218,598.10
          递延所得税负债增加                                                                                             (13,684,312.38)
          贷款的减少                                                            (5,481,219,230.68)                    (7,773,336,509.00)
          存款的增加                                                               5,285,386,584.12                     4,943,246,137.59
          拆借款项的净增                                                           4,961,407,300.94                     4,577,085,003.87
          经营性应收项目的减少                                                   (1,350,876,944.88)                       108,762,807.40
          经营性应付项目的增加                                                        90,670,995.71                        59,712,115.50
          经营性其他资产的减少                                                      (79,914,703.95)                     (485,169,995.96)
          经营性其他负债的增加                                                       65,347,095.55                        574,035,659.46
          其       他
          经营活动产生的现金流量净额                                              3,710,110,075.01                      2,152,578,098.23
2.不涉及现金收支的重大投资和筹资活动:
债务转为资本
一年内到期的可转换公司债券
融资租入固定资产
 3、现金及现金等价物净增加情况:
     现金的期末余额                                                               5,049,419,776.22                        131,274,934.89
     减:现金的期初余额                                                           4,456,325,003.18                        118,899,851.01
     加:现金等价物的期末余额                                                       481,615,802.88                      7,170,288,171.98
     减:现金等价物的期初余额                                                       644,781,151.26                      5,273,824,260.40
     现金及现金等价物净增加额                                                       429,929,424.66                      1,908,838,995.46

    单位负责人:陆华裕                   行长:俞凤英                主管会计工作的负责人:罗维开             会计机构负责人:孙洪波
    财务报表附注(未经审计)
    (以下金额单位若未特别注明者均为人民币元列示)
    一、遵循企业会计准则的声明
    本财务报表业经宁波银行股份有限公司(以下简称“本行”)董事会于2007年8月2日批准报出。
    本行所编制的财务报表及附注符合企业会计准则的要求,真实、完整、公允地反映了公司的财务状况、经营成果和现金流量等有关信息。
    二、基本情况
    (一)历史沿革
    宁波银行股份有限公司系根据国务院《关于组建城市合作银行的通知》(国发[1995]25号)精神,经中国人民银行《关于宁波市开展城市合作银行组建工作的复函》(银函[1996]167号)批准设立的股份制商业银行,1997年4月10日取得宁波市工商行政管理局注册号为25410602-4的企业法人营业执照。本行原名宁波城市合作银行,1998年6月2日经中国人民银行浙江省分行批准,中国人民银行宁波市分行下发文件《关于同意宁波城市合作银行更名为宁波市商业银行的批复》(甬银复字(1998)第99号),更名为宁波市商业银行股份有限公司,1998年6月5日取得宁波市工商行政管理局颁发的变更后的企业法人营业执照。
    本行企业法人营业执照注册号为企股浙甬总字第010253号,经营金融业务许可证号为银金管字D10123320H0001号。法定代表人为陆华裕,注册地址为宁波市中山东路294号。
    本行成立时的注册资本为23,824.43万元。2001年8月增资18,127.00万元,注册资本变更为41,951.43万元。2004年12月增资扩股138,048.57万元,注册资本变更为18亿元。2006年6月,新加坡华侨银行有限公司以每股2.28元认购本公司250,000,000股普通股,注册资本变更为20.5亿元。截至2007年6月30日止,本行的第一大股东为宁波市财政局,持股比例为13.17%。
    (二)经营机构设置情况
    目前本行下设一级支行22家,分别为海曙支行、江东支行、江北支行、湖东支行、西门支行、东门支行、天源支行、灵桥支行、国家高新园区支行、四明支行、明州支行、鄞州支行、镇海支行、北仑支行、大榭支行、慈溪支行、余姚支行、宁海支行、奉化支行、象山支行、城东支行和新建支行。
    新设异地分行1家——上海分行。
    (三)主营业务和提供的服务
    本行主要经营范围为经中国人民银行和中国银行业监督管理委员会批准的下列业务:吸收公众存款;发放短期、中期和长期贷款;办理国内结算;办理票据贴现;发放金融债券;代理发行、代理兑付、承销政府债券;买卖政府债券;从事同业拆借;提供担保;代理收付款项及代理保险业务;提供保险箱服务;办理地方财政信用周转使用资金的委托贷款业务;外汇存款、贷款、汇款;外币兑换;国际结算,结汇、售汇;同业外汇拆借;外币票据的承兑和贴现;外汇担保。2006年10月12日经中国银行业监督管理委员会以银监复[2006]324号文批复同意本行开办金融衍生产品交易业务。
    三、财务报表的编制方法和编制基准
    (一)财务报表的编制方法
    本行财务报表以下属各支行及直属营业部、清算中心、国际业务部、信用卡中心的个别会计报表及其他资料为基础汇总编制;汇总时,本行内部之间重大交易及其余额已相互抵销。
    (二)财务报表的编制基准
    本行在编制和披露2004年、2005年和2006年三年财务报表时,已经按照2006年2月财政部新颁布的《企业会计准则》要求执行,因此本行2007年半年度财务报表不存在新旧准则的调整项目。
    四、主要会计政策和会计估计
    (一)会计准则
    本行执行财政部2006年颁布的《企业会计准则-基本准则》和其他各项会计准则。
    (二)会计期间
    本行会计年度自公历1月1日起至12月31日止为一个会计年度。本财务报表报告期自2007年1月1日至2007年6月30日。
    (三)记账本位币
    本行采用人民币为记账本位币。
    (四)会计计量所运用的计量属性
    本行会计核算以权责发生制为基础进行会计确认、计量和报告,可供出售金融资产和投资性房地产采用公允价值计量,其余均以历史成本作为会计要素计量方法。
    (五)现金及现金等价物
    现金,是指企业库存现金以及可以随时用于支付的存款,包括库存现金、可以随时用于支付的银行存款、可用于支付的存放中央银行非限定性存款,三个月内到期的存放同业款项和拆放同业款项等。现金等价物,是指企业持有的期限短、流动性强、易于转换为已知金额现金、价值变动风险很小的投资,包括三个月内到期的债券投资和买入返售证券等。
    (六)外币业务核算方法
    按经营业务涉及不同的币种采用分账制核算,期末以人民币编制会计报表。编制折合人民币财务报表的原则是先按各币种分别编制会计报表,     然后将各币种金额先折算为美元,再从美元折合为人民币金额汇编成以人民币金额表示的财务报表。
    资产负债表,除权益类项目外,其他项目均按期末汇率折合为人民币;权益类项目除未分配利润外按照历史汇率折合为人民币。利润表按期末汇率折合为人民币。本行采用的汇率为中国人民银行发布的基准汇率及国家认可的套算汇率。各币种报表项目折算的差额计入当期损益。
    (七)金融资产和金融负债
    1、金融资产的分类
    本行按照取得金融资产的目的,将持有的金融资产分成以下四类:以公允价值计量且其变动计入当期损益的金融资产,包括交易性金融资产和指定为以公允价值计量且其变动计入当期损益的金融资产;持有至到期投资;贷款和应收款项;可供出售金融资产。金融资产在初始确认时以公允价值计量,对于不属于以公允价值计量且其变动计入当期损益的金融资产,在初始确认时还需要加上可直接归属于该金融资产购置的相关交易费用。
    (1)以公允价值计量且其变动计入当期损益的金融资产
    以公允价值计量且其变动计入当期损益的金融资产包括为交易而持有的金融资产,或是初始确认时就被管理层指定为以公允价值计量且其变动计入当期损益的金融资产。为交易而持有的金融资产包括为了在短期内出售而买入的金融资产。这类金融资产在后续计量期间以公允价值计量。所有已实现和未实现的损益均计入当期损益。
    (2)持有至到期投资
    持有至到期投资指具有固定或可确定回收金额及固定到期日的,且本行有明确意图和能力持有至到期的非衍生金融资产。持有至到期投资以实际利率法计算的摊余成本减去减值准备计量。当持有至到期投资被终止确认、出现减值或在摊销时所产生的利得或损失,均计入当期损益。
    如果本行在本会计期间或前两个会计年度,于到期日前出售或重分类了较大金额的持有至到期投资(较大金额是指相对持有至到期类投资总金额而言),则本行将不能再将任何金融资产分类为持有至到期投资,满足下述条件的出售或重分类除外:
    出售日或重分类日距离该项投资的到期日或赎回日很近(如到期前三个月内),以至于市场利率的变化对该项投资的公允价值没有重大影响;
    根据约定的偿付或提前还款的方式已经收回了该项投资几乎全部初始本金后发生的出售或重分类;或出售或重分类可归属于某个本行无法控制、预期不会重复发生且难以合理预计的独立事项。
    (3)贷款和应收款项
    贷款和应收款项指具有固定或可确定回收金额,缺乏活跃市场的非衍生金融资产,且本行没有意图立即或在短期内出售该等资产。贷款和应收款项的价值以按实际利率法计算的摊余成本减去减值准备计量。
    当贷款和应收款项被终止确认、出现减值或在摊销时所产生的利得或损失,均计入当期损益。
    (4)可供出售金融资产
    可供出售金融资产指那些被指定为可供出售的非衍生金融资产,或未划分为贷款和应收款项类投资、持有至到期投资或以公允价值计量且其变动计入当期损益的金融资产这三类的其他金融资产。在后续计量期间,该类金融资产以公允价值计量。可供出售类金融资产的公允价值变动所带来的未实现收益,在该金融资产被终止确认或发生减值之前,列入资本公积(其他资本公积)。在该金融资产被终止确认或发生减值时,以前计入在资本公积中的累计公允价值变动应转入当期损益。
    本行对可供出售金融资产的公允价值按银行间债券交易市场价确定。
    2、金融资产之贷款
    (1)贷款的分类
    短期及中长期贷款:本行按贷款的发放期限确定贷款类别。凡合同期限在1年以内(含1年)的贷款为短期贷款,合同期限在1-5年(含5年)的贷款为中期贷款,合同期限在5年以上的贷款为长期贷款。
    贴现:是指向持有未到期商业汇票的客户或其他金融机构办理贴现的款项。
    进出口押汇:指本行在开展贸易融资业务时提供给客户的打包贷款、信用证项下出口押汇、出口托收项下贸易融资、出口T/T项下商业发票融资和福费廷。
    逾期贷款:因借款人原因贷款到期(含展期)不能归还的贷款;或贴现业务因汇票承兑人不能按期支付,并且贴现申请人账户存款不足而形成的被动垫款;或本行承兑的汇票到期,承兑申请人存款不足等原因形成的被动垫款;或逾期的进出口押汇或因信用证及担保等表外业务项下的垫付款项,从垫付日起即转为逾期贷款。
    (2)应计及非应计贷款
    本行将贷款分为应计贷款和非应计贷款。非应计贷款指贷款本金或利息逾期90天(不含90天)没有收回的贷款,其利息作表外核算。当实际收回该款项时,首先冲减本金;本金全部收回后,超出部分才计入当期利息收入。贷款转为非应计贷款前,则作为应计贷款。
    (3)贷款以实际发放的金额入账。票据贴现以票据面值入账,贴现利息收入在贴现业务发生期间,按让渡资金使用权的时间及适用利率计算确认,计入各相关期间损益。在资产负债表日,票据贴现以面值和未实现利息收入分别在资产负债表贷款和递延收益列示。
    (4)根据中国人民银行《贷款风险分类指导原则》[银发(2001)416号],本行把贷款分为正常、关注、次级、可疑和损失五类。正常类贷款是指借款人能够履行合约,没有足够理由怀疑贷款本息不能按时足额偿还;关注类贷款是指尽管借款人目前有能力偿还贷款本息,但存在一些可能对偿还产生不利影响的因素;次级类贷款是指借款人的还款能力出现明显问题,完全依靠其正常营业收入无法足额偿还贷款本息,即使执行担保,也可能会造成一定损失;可疑类贷款是指借款人无法足额偿还贷款本息,即使执行担保,也肯定要造成较大损失;损失类贷款是指在采取所有可能的措施或一切必要的法律程序之后,本息仍然无法收回,或只能收回极少部分。
    3、金融负债
    本行按照取得金融负债的目的,将持有的金融负债分成以公允价值计量且其变动计入当期损益的金融负债以及存款、应付款项、应付债券及其他金融负债。
    (1)以公允价值计量且其变动计入当期损益的金融负债
    本行以公允价值计量且其变动计入当期损益的金融负债分成为交易而持有的金融负债和初始确认时管理层就指定为以公允价值计量且其变动计入当期损益的金融负债。所有公允价值的变动均计入当期损益。
    (2)存款、应付债券及其他金融负债
    除被指定为交易类债券或以公允价值计量且其变动计入当期损益的金融负债外的存款、应付款项、应付债券以及其他金融负债均以摊余成本计量。
    4、金融资产和金融负债的终止确认
    (1)金融资产
    当收取金融资产未来现金流量的合同权利终止时,该金融资产将终止确认。
    (2)金融负债
    当金融负债的现时义务全部或部分已解除时,才能终止确认该金融负债或其一部分。
    (八)投资性房地产的后续计量方法
    投资性房地产是指为赚取租金或资本增值,或两者兼有而持有的房地产。
    本行的投资性房地产所在地有活跃的房地产交易市场,能够从房地产交易市场取得同类或类似房地产的市场价格及其他相关信息,从而能对投资性房地产的公允价值进行估计,故本行对投资性房地产采用公允价值模式进行计量。
    外购、自行建造等取得的投资性房地产,按成本价确认投资性房地产的初始金额。将固定资产转换为投资性房地产的,按其在转换日的公允价值确认投资性房地产的初始金额,公允价与大于账面价值的,差额计入资本公积(其他资本公积),公允价小于账面价值的计入当期损益。
    之后,每个资产负债表日,投资性房地产按公允价值计量。公允价值的增减变动均计入当期损益。
    (九)固定资产的核算方法
    固定资产是指为提供劳务、出租或经营管理而持有的并且使用年限超过一年的有形资产。
    固定资产在取得时,按取得时的成本入账。与购买或建造固定资产有关的一切直接或间接成本,在所购建资产达到预定可使用状态前所发生的,全部资本化为固定资产的成本。固定资产折旧采用直线法平均计算,并按固定资产的原值扣除残值和其预计使用年限制定折旧率。符合资本化条件的固定资产装修费用,在两次装修期间与固定资产尚可使用年限两者中较短的期间内,采用年限平均法单独计提折旧。
    主要固定资产类别的折旧年限和年折旧率如下:

                       类别                       折旧年限(年)                 残值率(%)                年折旧率(%)
         房屋建筑物                                       20                            3                          4.85
         运输工具                                         5                             3                         19.40
         电子设备                                         5                             3                         19.40
         机具设备                                        5-10                           3                      19.40-9.70
         固定资产装修                                     5                             0                         20.00
         租入固定资产改良                              租赁期                           0                           -

    (十)在建工程的核算方法
    以立项项目分类核算工程发生的实际成本。
    当所建工程项目达到预定可使用状态时,转入固定资产核算;尚未办理竣工决算的,按估计价值转帐,待办理竣工决算手续后再作调整。
    (十一)借款费用的核算办法
    本行为筹集经营所需资金等而发生的借款费用计入当期损益。为购建固定资产的专门借款所发生的借款费用,在所购建的固定资产达到预定可使用状态前计入有关固定资产的购建成本,在所购建的固定资产达到预定可使用状态后,计入当期损益。
    (十二)无形资产的核算办法
    无形资产在取得时,按实际成本入账。无形资产自取得当月起按直线法在预计使用年限内进行摊销。软件从购入月份起按5年平均摊销。
    (十三)长期待摊费用的核算方法
    长期待摊费用指已经支出但受益期限在1年以上(不含1年)的各项费用,以实际发生额入账,按受益期限平均摊销,其中:
    预付经营租入固定资产的租金,按租赁合同规定的期限平均摊销。
    经营租赁方式租入的固定资产改良支出,按剩余租赁期与租赁资产尚可使用年限两者中较短的期限平均摊销。
    (十四)抵债资产的核算方法
    抵债资产按取得时的公允价值入账,同时冲销被抵部分的资产账面价值,包括贷款本金、已确认的表内利息以及其他应收款项,与贷款或应收款项对应的贷款损失准备、坏账准备等。抵债资产处置时,如果取得的处置收入大于抵债资产账面价值,其差额计入营业外收入;如果取得的处置收入小于抵债资产账面价值,其差额计入营业外支出。
    (十五)委托业务
    本行承办委托业务为委托贷款。委托贷款指由委托人提供资金,并按照委托人确定的贷款对象、用途、期限和利率,本行代理发放、监督、使用和协助收回的贷款。所有委托业务的风险、损益和责任由委托人承担,本行只收取手续费。
    (十六)买入返售与卖出回购款项的核算方法
    买入返售交易按照合同或协议的约定,以一定的价格向交易对手买入相关资产(包括债券及票据),合同或协议到期日再以约定价格返售相同之金融产品。买入返售按买入返售相关资产时实际支付的款项入账,在资产负债表之“买入返售金融资产”列示。对于买入返售之金融产品,买入该等金融产品之成本将作为有抵押的融资交易,买入之金融产品则作为该融资交易的抵押品。
    卖出回购交易按照合同或协议,以一定的价格将相关的资产(包括债券和票据)出售给交易对手,到合同或协议到期日,再以约定价格回购相同之金融产品。卖出回购按卖出回购相关资产时实际收到的款项入账,在资产负债表之“卖出回购金融资产款”列示。对于卖出待回购之金融产品,该等金融产品将持续于本行的资产负债表上反映,并按照相关的会计政策核算。
    买入返售及卖出回购的买卖差价,在返售或回购期间内以实际利率平均确认利息收支。
    (十七)主要资产的减值
    1、金融资产
    本行在每个资产负债表日对交易性金融资产以外的金融资产的账面价值进行检查,以判断是否有证据表明金融资产已由于一项或多项事件的发生而出现减值。减值事项是指在该等资产初始确认后发生的、对预期未来现金流量有影响的,且公司能对该影响做出可靠计量的事项。
    (1)以摊余成本计量的金融资产
    如果有客观证据表明以摊余成本计量的金融资产(包括贷款和应收款项、持有至到期投资)发生减值,则应当将该金融资产的账面价值减记至可收回金额,减记的金额确认为资产减值损失,计入当期损益。可收回金额应当通过对该金融资产的未来现金流量(不包括尚未发生的信用损失)按原实际利率折现确定,并考虑相关担保物的价值(扣除预计处置费用等)。原实际利率是初始确认该金融资产时计算确定的实际利率。企业的贷款、应收款项、持有至到期类投资属浮动利率金融资产的,在计算可收回金额时可采用合同规定的当期实际利率作为折现率。
    本行对单项金额重大的金融资产进行单项评价,以确定其是否存在减值的客观证据,并对其他单项金额不重大的资产,以单项或组合评价的方式进行检查,以确定是否存在减值的客观证据。已进行单独评价,但没有客观证据表明已出现减值的单项金融资产,无论重大与否,该资产仍会与其他具有类似信用风险特征的金融资产构成一个组合再进行组合减值评价。已经进行单独评价并确认或继续确认减值损失的金融资产将不被列入组合评价的范围内。如有客观证据表明其发生了减值的,根据其未来现金流量现值低于其账面价值的差额,确认减值损失,计提准备。
    以摊余成本计量的金融资产之贷款,本行采用备抵法核算贷款损失准备。贷款损失准备覆盖本行承担风险和损失的全部贷款。
    贷款损失准备包括专项准备、特种准备两种。专项准备按照贷款资产的风险程度和收回的可能性合理确定;特种准备是指对特定国家发放贷款计提的准备。
    期末本行对是否存在客观证据表明贷款已经发生减值损失进行检查。其中,对单笔重大贷款进行逐笔检查;对单笔非重大贷款按情况进行逐笔检查或进行组合检查。如果没有客观证据表明进行逐笔检查的贷款存在减值情况,无论该贷款是否重大,本行将其与其他信贷风险特征相同的贷款一并进行组合减值检查和计量。如有客观证明表明影响该贷款或影响该类贷款组合的未来现金流量的事件已经发生且该等事件的财务影响可以可靠计量,本行确认该等贷款或贷款组合发生减值损失,并计提贷款损失准备。贷款减值的客观证据包括但不限于借款人逾期支付利息或偿还本金、发生重大财务困难等。
    如果有客观证明表明贷款已经发生减值损失,则其损失将以贷款的账面金额与使用此贷款的原始实际利率贴现的预计未来现金流量(不包括还未发生的未来信用损失)的现值之间的差额进行计量,并计入利润表。如果贷款合约利率为浮动利率,用于确定贷款减值损失的贴现率则按合同约定的当前实际利率。抵押贷款按照执行抵押物值减去获得和出售抵押物成本的金额估计和计算未来现金流量的现值。
    如果在以后的财务报表期间,减值损失的金额减少且该等减少减值与发生的某些事件有客观关联(如债务人信用等级提高),本行通过调整准备金金额在先前确认的减值损失金额内予以转回,转回的金额计入当期损益。发生的贷款损失在完成必须的程序作核销时冲减已计提的贷款损失准备。已核销的贷款损失,以后又收回的应计入当期损益中以冲减当期计提的贷款准备。
    (2)可供出售金融资产
    期末如果可供出售金融资产的公允价值发生较大幅度下降,或在综合考虑各种相关因素后,预期这种下降趋势属于非暂时性的,就认定其已发生减值,即使该金融资产没有终止确认,原直接计入资本公积的因公允价值下降形成的累计损失,应当予以转出计入当期损益。该转出的累计损失,为该资产的初始取得成本(扣除已收回本金和已摊销金额)与当前公允价值之间的差额,减去所有原已计入损益的减值损失。
    划分为可供出售金融资产的权益工具投资的减值损失一经确认,不得通过损益转回;划分为可供出售金融资产的债务工具的减值损失一经确认,不得转回。
    (3)以成本计量的金融资产
    如有证据表明由于无法可靠地计量其公允价值所以未以公允价值计量的无市价权益性金融工具出现减值,减值损失的金额应按该金融资产的账面金额与以类似金融资产当前市场回报率折现计算所得的预计未来现金流量现值之间的差额进行计量。
    2、固定资产、在建工程、无形资产等长期非金融资产
    对于固定资产、在建工程、无形资产等长期非金融资产,本行在每期末判断相关资产是否存在可能发生减值的迹象。使用寿命不确定的无形资产,无论是否存在减值迹象,每年都进行减值测试。
    资产存在减值迹象的,估计其可收回金额。可收回金额根据资产的公允价值减去处置费用后的净额与资产预计未来现金流量的现值两者之间较高者确定。
    可收回金额的计量结果表明,资产的可收回金额低于其账面价值的,将资产的账面价值减记至可收回金额,减记的金额确认为资产减值损失,计入当期损益,同时计提相应的资产减值准备。
    资产减值损失确认后,减值资产的折旧或者摊销费用在未来期间作相应调整,以使该资产在剩余使用寿命内,系统地分摊调整后的资产账面价值(扣除预计净残值)。
    资产减值损失一经确认,在以后会计期间不得转回。
    有迹象表明一项资产可能发生减值的,以单项资产为基础估计其可收回金额。难以对单项资产的可收回金额进行估计的,以该资产所属的资产组为基础确定资产组的可收回金额。
    资产组的认定,以资产组产生的主要现金流入是否独立于其他资产或者资产组的现金流入为依据。同时,在认定资产组时,考虑本行管理经营活动的方式和对资产的持续使用或者处置的决策方式等。
    几项资产的组合生产的产品(或者其他产出)存在活跃市场的,即使部分或者所有这些产品(或者其他产出)均供内部使用,也在符合前款规定的情况下,将这几项资产的组合认定为一个资产组。如果该资产组的现金流入受内部转移价格的影响,按照本行管理层在公平交易中对未来价格的最佳估计数来确定资产组的未来现金流量。
    资产组一经确定,各个会计期间保持一致。
    3、抵债资产
    期末本行对是否存在客观证据表明抵债资产已经发生减值损失进行检查。抵债资产跌价准备期末按账面价值与可变现净值孰低计价,按可变现净值低于账面价值的差额计提跌价准备。若以前减记抵债资产价值的影响因素已经消失的,减记的金额予以恢复,并在原已计提的抵债资产跌价准备金额内转回,转回的金额计入当期损益。
    (十八)利息收入和支出
    利息收入和支出根据权责发生制原则按实际利率法在利润表中确认。非应计贷款的应收利息在表外核算。实际利率法是一种计算某项金融资产或负债的摊余成本以及在相关期间分摊利息收入和利息支出的方法。实际利率是在金融工具预计到期日或某一恰当较短期限内,将其未来现金流量贴现为账面净额所使用的利率。本行在估计未来现金流量时,会考虑金融工具的所有合同条款,但不会考虑未来的信用损失。计算实际利率会考虑交易成本、折溢价和合同各方之间收付的所有与实际利率相关的费用。
    (十九)手续费及佣金收入
    手续费及佣金收入通常在提供相关服务时按权责发生制原则确认。与贷款承诺相关的佣金及手续费通常按照直线法在承诺期间摊销确认。
    (二十)所得税的会计处理方法:
    本行按所得税适用的税率,以会计报表中确认的利润总额为基础,并根据现有的税收法规及其解释就免税收入和不可抵扣的支出作相应的纳税调整后计提应交税金。
    资产和负债按会计和税务基础不同产生暂时性差额,并采用债务法以该暂时性差额为基础确认递延所得税资产或负债,该暂时性差额会于未来产生应税所得额。暂时性差额是指资产或负债的账面价值与其计税基础之间的差额;未作为资产和负债确认的项目,按照税法规定可以确定其计税基础的,该计税基础与其账面价值之间的差额也属于暂时性差异。
    本行在每一资产负债表日对递延所得税资产的账面价值进行核查,并且在未来不再很可能有足够纳税所得以转回部份或全部递延所得税资产时,按不能转回的部份扣减递延所得税资产。
    (二十一)现金股利分配会计处理
    现金股利于股东大会决议通过时从未分配利润中提取。
    五、税项
    本行适用的税项及税率如下:
    (一)营业税
    营业税按金融业务收入的5%计缴。由本行各支行向其所在地的税务局缴纳。
    (二)城建税
    按营业税额的5%或7%计缴。由本行各支行向其所在地的税务局缴纳。
    (三)教育费附加
    2004年至2006年4月按营业税额的4%计缴,2006年5月起按营业税的5%计缴。由本行各支行向其所在地的税务局缴纳。
    (四)企业所得税
    企业所得税税率33%。由本行总部汇总缴纳。
    六、财务报表项目注释
    (除特别注明外,货币单位均以人民币元)
    (一)现金及存放中央银行款项

                            项        目                                       报告期末数                        年初数
库存现金                                                                              249,788,589.98                  207,126,425.58
存放中央银行法定准备金                                                              5,300,403,084.93               3,596,022,913.24
存放中央银行超额存款准备金(存放中央银行备付金)                                     3,205,667,130.25                3,672,712,463.43
存放中央银行的财政性存款                                                               52,365,000.00                   51,849,000.00
                              合   计                                               8,808,223,805.16                7,527,710,802.25
(二)存放同业款项
                              项   目                                          报告期末数                        年初数
存放境内同业                                                                          666,096,714.46                 841,202,749.81
存放境外同业                                                                          517,469,291.53                  129,782,948.96
减:存放同业坏账准备                                                                      194,403.79                      194,403.79
存放同业款项账面价值                                                                1,183,371,602.20                 970,791,294.98
(三)拆出资金
                              项   目                                          报告期末数                        年初数
拆放其他银行                                                                          500,000,000.00
拆放非银行金融机构
减:拆出资金坏账准备
拆出资金账面价值                                                                      500,000,000.00                            0.00
注:拆放浦东发展银行宁波分行。
(四)买入返售金融资产
1、按质押品分类:
                              项   目                                          报告期末数                        年初数
   债券                                                                             3,406,858,891.96              3,337,535,092.90
   票据
   贷款
   其他
   减:买入返售金融资产坏账准备
   买入返售金融资产账面价值                                                         3,406,858,891.96                3,337,535,092.90

    2、按交易对手分类:

                             交易对手                                          报告期末数                        年初数
国家邮政储汇局                                                                      3,136,858,891.96               3,187,535,092.90
银行                                                                                  270,000,000.00                 150,000,000.00
合计                                                                                3,406,858,891.96               3,337,535,092.90
(五)应收利息
                              项   目                                         报告期末数                        年初数
应收贷款利息                                                                              946,610.48                     513,016.74
应收信用卡利息                                                                          1,862,331.38                     935,062.97
应收债券利息                                                                                                         248,797,286.95
应收同业存款利息                                                                        1,514,245.00
应收其他利息                                                                             311,584.34                     913,585.85
减:应收利息坏账准备                                                                            0.00                           0.00
应收利息账面价值                                                                        4,634,771.20                 251,158,952.51
  应收利息帐龄分析
                                                            期末数                                       期初数
                  项目                             金额                坏帐准备                 金额                坏帐准备
                1年以内                            4,634,771.20                      0         199,907,116.03                     0
                 1-2年                                                                         22,095,216.05
                 2-3年                                                                         17,565,998.48
                3年以上                                                                         11,590,621.95
   其中:持股5%以上股东的金额
                  合计                             4,634,771.20                      0         251,158,952.51                     0

    (六)可供出售金融资产

                              项   目                                      报告期末公允价值                  年初公允价值
1、债券                                                                               486,359,506.77                 470,910,000.00
其中:政府债券                                                                        486,359,506.77                 470,910,000.00
      金融机构债券
(七)持有至到期投资
                              项   目                                         报告期末数                        年初数
1、债券                                                                            16,788,784,629.42              13,715,866,626.75
其中:政府债券                                                                     15,689,668,190.18              13,475,878,487.33
       金融机构债券                                                                1,099,116,439.24                 239,988,139.42
2、其他
持有至到期投资合计                                                                 16,788,784,629.42              13,715,866,626.75
减:持有至到期投资减值准备                                                                      0.00                           0.00
持有至到期投资账面价值                                                             16,788,784,629.42              13,715,866,626.75

    (八)发放贷款及垫款
    1、贷款和垫款按个人和企业分布情况

                                                  报告期末数                                          年初数
            项   目
                                            金额                比例(%)                   金额                  比例(%)
企业贷款和垫款                           23,672,846,886.20                 70.42         20,006,542,923.26                    71.11
个人贷款和垫款                            9,943,201,968.26                 29.58           8,128,356,393.62                   28.89
贷款和垫款总额                           33,616,048,854.46                   100          28,134,899,316.88                     100
减:贷款损失准备                            435,703,496.92                                  372,293,537.92
其中:单项计提数                             56,490,062.09            -                      55,347,221.47             -
       组合计提数                           379,213,434.83            -                      316,946,316.45            -
贷款和垫款账面价值                       33,180,345,357.54            -                   27,762,605,778.96            -
2、贷款和垫款按地区分布情况
                                                  报告期末数                                          年初数
           地区分布
                                            金额                比例(%)                   金额                  比例(%)
上海地区                                    150,199,650.00                  0.45                          0                    0.00
宁波地区                                 33,465,849,204.46                 99.55          28,134,899,316.88                  100.00
贷款和垫款总额                           33,616,048,854.46                   100          28,134,899,316.88                     100
3、企业贷款按性质分类
                                                  报告期末数                                          年初数
              行业
                                            金额                 比例(%)                  金额                  比例(%)
            贷    款                     20,463,900,986.35                 86.45          18,147,886,377.92                   90.71
            贴    现                      2,718,065,916.29                 11.48           1,441,306,986.91                    7.20
            押    汇                        490,879,983.56                  2.07             417,349,558.43                    2.09
              其他                                                          0.00                                               0.00
              合计                       23,672,846,886.20                100.00          20,006,542,923.26                  100.00

    4、贷款损失准备—专项准备变动分析

                                                  报告期末数                                                   年初数
         项   目
                                   单项               组合                合计               单项              组合                合计
年初余额                          55,347,221.47    316,946,316.45       372,293,537.92    78,196,832.44     246,029,033.54       324,225,865.98
本期计提                           1,142,840.62     62,336,811.48        63,479,652.10                       89,373,809.17        89,373,809.17
本期转出                                                                          0.00                                                     0.00
本期核销                                                                          0.00                       18,398,721.07        18,398,721.07
本期转回                                   0.00              0.00                 0.00    22,849,610.97        (40,000.00)        22,809,610.97
其中:收回原转销贷款和
                                                                                  0.00                                            22,809,610.97
垫款导致的转回                                                                            22,849,610.97        (40,000.00)
   贷款和垫款因折现价
                                                                                  0.00                                                     0.00
值上升导致转回
   其他因素导致的转回                                                             0.00                                                     0.00
折算差异                                              (69,693.10)          (69,693.10)                         (97,805.19)          (97,805.19)
报告期末余额                     56,490,062.09     379,213,434.83       435,703,496.92    55,347,221.47     316,946,316.45       372,293,537.92

    5、贷款的五级分类

                                        报告期末数                               年初数
        五级分类
                                贷款金额         占总额比例%          贷款金额         占总额比例%
正常                         30,975,645,473.76              92.16    25,759,365,522.70             91.55
关注                          2,522,213,945.44               7.50     2,283,673,727.79              8.12
次级                             37,882,230.89               0.11        21,251,964.91              0.08
可疑                             11,396,192.42               0.03         9,799,445.45              0.03
损失                             68,911,011.95               0.20        60,808,656.03              0.22
           合计              33,616,048,854.46             100.00   28,134,899,316.88             100.00

    (九)长期股权投资

                                                      报   告   期   末    数                                        年    初    数
           被投资单位
                                         账面余额             减值准备            账面价值          账面余额           减值准备            账面价值
中国银联股份有限公司                       8,000,000.00                            8,000,000.00     8,000,000.00                           8,000,000.00
城市商业银行资金清算中心                     250,000.00                              250,000.00       250,000.00                             250,000.00
               合计                        8,250,000.00                  0.00      8,250,000.00     8,250,000.00                  0.00     8,250,000.00

    (十)投资性房地产
    企业采用公允价值模式

                                                                                                报告期末公允价
              项   目                  年初公允价值           本年增加            本年减少             值
房屋、建筑物                             163,738,463.00                            3,145,863.00    160,592,600.00
土地使用权                                                                                                   0.00
公允价值合计                             163,738,463.00                  0.00     3,145,863.00    160,592,600.00
(十一)固定资产
1.固定资产原价                           年初数            本年购置增加       在建工程转入         本年减少          报告期末数
原价合计                                 804,011,794.13         27,695,757.54      2,493,457.00       765,000.00       833,436,008.67
其中:房屋及建筑物                       568,500,822.61          8,669,708.00                         765,000.00       576,405,530.61
       运输工具                           76,393,795.10          1,285,212.00                                           77,679,007.10
       电子设备                           95,651,172.33          8,611,625.64      2,434,164.50                        106,696,962.47
       机具设备                           19,610,772.77          1,715,205.82         59,292.50                         21,385,271.09
       租入固定资产改良                   29,969,576.71                                                                 29,969,576.71
       装修费                             13,885,654.61          7,414,006.08                                           21,299,660.69
2.累计折旧                               年初数              本年计提            本年增加          本年减少          报告期末数
累计折旧合计                             226,307,924.15         35,138,132.28              0.00       604,841.94       260,841,214.49
其中:房屋及建筑物                       114,497,103.01          8,779,962.79                         604,841.94       122,672,223.86
       运输工具                           36,972,480.99         11,831,445.63                                           48,803,926.62
       电子设备                           48,519,798.87          9,968,119.63                                           58,487,918.50
       机具设备                            13,209,799.46         1,283,919.67                                           14,493,719.13
       租入固定资产改良                    11,002,645.59                                                                11,002,645.59
       装修费                               2,106,096.23         3,274,684.56                                            5,380,780.79


 3.固定资产减值准备                       年初数              本年增加            本年减少        报告期末数
固定资产减值准备累计金额合计                4,864,972.66                 0.00              0.00      4,864,972.66
其中:房屋及建筑物                          1,721,530.74                                             1,721,530.74
       运输工具                              709,188.21                                               709,188.21
       电子设备                            1,709,419.18                                             1,709,419.18
       机具设备                               724,834.53                                               724,834.53
       租入固定资产改良                             0.00                                                     0.00
       装修费                                       0.00                                                     0.00
4.固定资产帐面价值                       年初数             报告期末数
固定资产账面价值合计
                                         572,838,897.32       567,729,821.52
其中:房屋及建筑物
                                         452,282,188.86       452,011,776.01
       运输工具
                                          38,712,125.90        28,165,892.27
       电子设备
                                          45,421,954.28        46,499,624.79
       机具设备
                                           5,676,138.78         6,166,717.43
       租入固定资产改良
                                          18,966,931.12        18,966,931.12
       装修费                             11,779,558.38        15,918,879.90
(十二)无形资产
              项   目                     年初数              本年增加            本年减少        报告期末数
一、原价合计                               16,765,965.05         4,535,178.00         -             21,301,143.05
软件                                       16,765,965.05         4,535,178.00                       21,301,143.05
二、累计摊销额合计                          5,784,563.33         1,680,893.44         --             7,465,456.77
软件                                        5,784,563.33         1,680,893.44                        7,465,456.77
三、无形资产减值准备累计金额
合计                                                0.00                 0.00              0.00              0.00
软件                                                                                                         0.00
四、无形资产账面价值合计                   10,981,401.72         2,854,284.56              0.00     13,835,686.28
软件                                       10,981,401.72         2,854,284.56              0.00     13,835,686.28
(十三)递延所得税资产
1.递延所得税资产                                   报告期末数                   年初数
年初余额                                                   41,356,159.46             57,277,841.56
本年计入利润表的递延所得税资产                                                     (16,185,893.58)
本年直接计入资本公积的公允价值变动
的递延所得税资产                                                                        264,211.48
报告期末余额                                               41,356,159.46             41,356,159.46
2、递延所得税资产组成                                            报告期末数                                            年初数
                  项    目                          暂时性差异              递延所得税资产              暂时性差异            递延所得税资产
资产减值准备                                              100,255,341.64            33,084,262.74            100,255,341.64         33,084,262.74
投资未实现的损益                                            832,542.24                 274,738.94              832,542.24              274,738.94
其他暂时性差异                                             24,233,811.45             7,997,157.78             24,233,811.45          7,997,157.78
                   合计                                   125,321,695.33            41,356,159.46            125,321,695.33         41,356,159.46
                 所得税率                               33%                                                 33%
3、计入当期利润表的递延所得税资产组
成                                                  报告期末数                   年初数
资产减值准备                                                                        -18,522,538.87
其他暂时性差异                                                                        2,336,645.29
                   合计                                                -            -16,185,893.58
(十四)递延所得税负债
1.递延所得税负债                                   报告期末数                   年初数
年初余额                                                   21,006,875.67             17,073,346.99
本年计入利润表的递延所得税负债                                                      (4,667,920.80)
本年直接计入资本公积的公允价值变动
的递延所得税负债                                                                      8,601,449.48
报告期末余额                                               21,006,875.67             21,006,875.67
2.递延所得税负债组成                                            报告期末数                                            年初数
                  项   目                           暂时性差异              递延所得税负债              暂时性差异            递延所得税负债
补充养老保险摊销                                           19,242,726.45             6,350,099.73             19,242,726.45          6,350,099.73
可供出售债券的溢折价摊销                                               -                                                  -
按公允价计量投资性房地产公允价变动                         18,349,474.12             6,055,326.46             18,349,474.12          6,055,326.46
自用房产转为按公允价计量的投资性房                                                   8,601,449.48                                    8,601,449.48
地产差额计入                                              26,064,998.42                                      26,064,998.42
                   合计                                  63,657,198.99               21,006,875.67           63,657,198.99           21,006,875.67

    3.计入当期利润表的递延所得税负债组

成                                                  报告期末数                   年初数
补充养老摊销                                                                          2,280,897.29
债券溢折价                                                                                    0.00
投资性房地产                                                                        (6,948,818.09)
                   合计                                            0.00             (4,667,920.80)
(十五)其他资产
               项   目                      报告期末账面价值                年初账面价值
待摊费用                                                5,933,290.62                  4,809,410.25
代理业务资产-委托贷款                               1,363,139,064.80              1,301,223,331.41
代理兑付证券                                           16,876,836.09                             0
应收股利                                                           0                             0
其他应收款                                            213,002,301.54                262,796,999.39
抵债资产                                                8,415,138.06                 8,415,138.06
长期应收款
长期待摊费用                                           37,535,254.58                 39,473,970.56
在建工程                                              124,067,834.15                 95,770,571.20
清算资金往来                                                       0                             0
货币兑换                                                           0                             0
存出保证金                                                         0                             0
其他                                                     -1,745.90
               合   计                          1,768,967,973.94              1,712,489,420.87
1、待摊费用
项目                                              年初数                       本期发生                   本期摊销              报告期末数
房租费                                                  2,703,733.51                  6,611,671.97            4,059,820.88            5,255,584.60
报刊杂志                                                  768,530.15                                            665,131.03              103,399.12
养路费                                                     44,400.00                                             44,400.00                    0.00
保安服务费                                                 62,150.00                     40,000.00               62,150.00               40,000.00
车船使用税                                                  1,300.00                                              1,300.00                    0.00
软件服务费                                                  1,250.00                    249,456.73                  749.23              249,957.50
养老金                                                     33,920.00                                             33,919.89                    0.11
物业费                                                      1,570.59                                              1,570.59                    0.00
广告费                                                    108,750.00                      5,000.00              108,750.00                5,000.00
服装费                                                  1,083,806.00                                            842,256.71              241,549.29
车辆租赁费                                                      0.00                     56,000.00               18,200.00               37,800.00
                 合计                                   4,809,410.25                  6,962,128.70            5,838,248.33            5,933,290.62
2、其他应收款
               项   目                         报告期末数                       年初数
业务周转金                                             28,027,568.16              -
存出保证金                                              1,152,576.00                 1,156,374.00
应收待结算及清算款项                                  176,139,166.10               259,361,055.74
垫付诉讼费                                          -                            -
押金                                                -                               4,474,832.90
同城交换清算                                           9,878,254.53               -
垫款                                                -                            -
合计                                                  215,197,564.79               264,992,262.64
减:其他应收款坏账准备                                  2,195,263.25                 2,195,263.25
净额                                                  213,002,301.54               262,796,999.39
其他应收款帐龄分析
                                                            期末数                                       期初数
                  项目                             金额                坏帐准备                 金额                 坏帐准备
                1年以内                             211,370,881.57                    -          261,451,904.31                    -
                 1-2年                                 716,963.22                    -              171,700.00            85,850.00
                 2-3年                                 300,300.00            85,850.00            2,211,484.33         2,108,613.25
                3年以上                               2,809,420.00         2,109,413.25            1,157,174.00               800.00
   其中:持股5%以上股东的金额                                   -                    -                       -                    -
                  合计                              215,197,564.79         2,195,263.25          264,992,262.64         2,195,263.25
3、抵债资产
                                                报告期末数                                                             年初数
               项     目
                                                    金额                       跌价准备                      金额                 跌价准备
房屋建筑物                                              6,794,544.39                 2,245,261.18             6,794,544.39            2,245,261.18
设备
股权                                                    3,865,854.85                                          3,865,854.85
                 合计                                  10,660,399.24                 2,245,261.18            10,660,399.24            2,245,261.18
4、长期待摊费用
               项   目                            年初数                       本年增加                本年摊销/转出            报告期末数
补充养老保险费                                         19,242,726.44                                          3,231,399.01           16,011,327.43
房屋租赁费                                             20,179,984.12                 3,186,975.67             1,884,112.61           21,482,847.18
信息服务费                                                  1,260.00                                                180.00                1,080.00
广告费                                                     50,000.00                                             10,000.03               39,999.97
                 合计                                  39,473,970.56                 3,186,975.67             5,125,691.65           37,535,254.58

    5、在建工程

                                                                             本期发生
         项目                 年初数                                                                                         报告期末数
                                                        增加                转入固定资产               其他减少
                              95,770,571.20              31,670,719.95            2,493,457.00              880,000.00          124,067,834.15
         合计                 95,770,571.20              31,670,719.95            2,493,457.00              880,000.00          124,067,834.15
减:在建工程减值准备
         净额                 95,770,571.20                                                                                     124,067,834.15

    (十六)同业及其他金融机构存放款项:

              项   目                       报告期末数                       年初数
同业存放                                           79,649,007.53                   90,093,231.61
其他金融机构存放                                   72,771,621.96                   48,486,764.07
               合计                               152,420,629.49                  138,579,995.68
(十七)拆入资金
              项   目                       报告期末数                       年初数
银行拆入                                           34,262,100.00
非银行金融机构拆入                                 38,069,000.00
               合计                                72,331,100.00                               -
(十八)卖出回购金融资产款
1、按质押品分类:
              项   目                       报告期末数                       年初数
证券(债券)                                    9,690,000,000.00                5,000,000,000.00
票据                                             -                            -
贷款                                             -                            -
其他                                             -                            -
               合计                             9,690,000,000.00                5,000,000,000.00
2、按交易对手分类:
             交易对手                       报告期末数                       年初数
国家邮政储汇局                                  7,640,000,000.00                      3000000000
银行                                            2,050,000,000.00                2,000,000,000.00
               合计                             9,690,000,000.00                5,000,000,000.00
(十九)吸收存款
                    项   目                            期末账面余额                  年初账面余额
1、活期存款                                                30,152,478,904.56             26,742,806,163.17
其中:活期存款                                             26,127,331,016.98             23,102,654,973.80
                                                                   51

       活期储蓄存款                                          3,984,962,722.01             3,606,876,304.22
       个人信用卡存款                                           40,185,165.57                33,274,885.15
 2、定期存款                                                 15,691,279,613.96            14,042,974,071.79
其中:单位通知存款                                             871,451,252.78               505,530,302.55
       一年期及以下定期对公存款                              5,690,876,675.96             4,808,197,300.22
       个人通知存款                                            204,103,447.91               155,724,532.54
       1年期及以下定期储蓄存款                               5,175,017,594.62             4,870,917,183.22
       长期存款                                             3,152,487,787.24              3,111,365,000.00
               长期储蓄存款                                   597,342,855.45                591,239,753.26
3、财政性存款                                                   39,448,513.86                30,827,636.12
其中:财政预算外存款                                            29,990,829.86                30,827,636.12
其中:财政预算专项存款                                           9,457,684.00
4、其他存款                                                    121,420,072.79                41,204,204.92
其中:应解汇款                                                  80,890,413.35                34,536,903.18
       临时存款                                                  2,111,692.36                 2,044,305.18
       汇入汇款                                                  4,440,502.92                 4,012,721.07
       汇出汇款                                                 33,977,464.16                   610,275.49
5、存入保证金                                                5,472,155,876.40             5,333,584,321.45
其中:承兑汇票保证金                                        4,962,496,015.87              4,938,169,330.99
       开出保函保证金                                          212,746,628.62               145,601,337.92
       开出信用证保证金                                        189,437,955.56               187,052,583.03
       其他保证金                                              107,475,276.35                62,761,069.51
                     合计                                   51,476,782,981.57            46,191,396,397.45
(二十)应付职工薪酬
                 项   目                           年初数                 本年增加额              本年支付额              报告期末数
一、工资、奖金、津贴和补贴                           124,666,574.40          161,989,358.40           219,816,622.30           66,839,310.50
二、职工福利费                                          1,864,057.53           3,875,730.56            5,744,260.29               (4,472.20)
三、社会保险费                                                  0.00          13,680,655.18           13,680,655.18                     0.00
其中:1.医疗保险费                                    -                       4,056,118.53             4,056,118.53                    0.00
       2.基本养老保险费                               -                       8,466,201.79             8,466,201.79                    0.00
       3.年金缴费                                     -                        -                       -                               0.00
       4.失业保险费                                   -                         823,487.84               823,487.84                    0.00
       5.工伤保险费                                   -                         161,259.12               161,259.12                    0.00
       6.生育保险费                                   -                         173,587.90               173,587.90                    0.00
四、住房公积金                                         -                       4,557,598.31             4,557,598.31                    0.00
五、工会经费和职工教育经费                             -                         780,818.08               780,818.08                    0.00
六、非货币性福利                                       -                        -                       -                               0.00
七、因解除劳动关系给予的补偿                            2,558,016.24             164,480.94              164,480.94             2,558,016.24
八、其他                                               -                        -                               0.00                    0.00
其中:以现金结算的股份支付                             -                        -                       -                               0.00
                  合计                               129,088,648.17          185,048,641.47           244,744,435.10           69,392,854.54

    (二十一)应交税费

                税费项目                         报告期末数                  年初数
企业所得税                                            77,644,845.13           44,616,713.49
营业税                                                29,728,603.08           38,699,405.18
城市维护建设税                                         2,081,909.37            2,016,006.66
教育费附加                                             1,526,538.46            1,397,116.64
房产税
个人所得税                                               312,985.81              397,377.89
印花税
其他                                                   1,223,844.71            1,812,660.23
                  合计                               112,518,726.56           88,939,280.09

    (二十二)应付利息

                 税费项目                         报告期末数                  年初数
应付定期存款息                                        71,817,476.45           68,608,774.86
应付定期储蓄存款息                                    76,527,417.43           73,876,096.21
应付保证金存款息                                      24,179,954.54           21,377,506.66
应付通知存款利息                                       4,294,749.57            3,789,530.44
应付同业存款利息                                       -                       2,083,298.63
其他应付利息                                          46,325,015.77               56,296.05
                  合计                               223,144,613.76          169,791,502.85
(二十三)其他负债
                项   目                        报告期末账面价值                    年初账面价值
代理业务负债—委托存款                                    1,379,294,356.18                 1,301,223,331.41
应付代理证券款项                                                         -                       991,978.31
应付股利                                                     23,810,872.82                    23,810,872.82
其他应付款                                                  221,011,737.37                   161,418,139.22
预提费用                                                         6474623.3                                -
递延收益                                                                 -                    12,102,852.84
其他流动负债                                                 97,706,880.58                   111,699,318.41
清算资金往来                                                             -                                -
货币兑换                                                                 -                                -
                  合计                                    1,728,298,470.25                 1,611,246,493.01
1、其他应付款
                项   目                            报告期末数                          年初数
待抵用票据款                                                     52,550.00                                -
待划转款项                                                   59,158,952.36                   111,609,121.80
久悬未取款项                                                  8,910,275.31                    17,751,966.19
同城交换清算                                                             -                                -
其他应付款项                                                152,889,959.70                    32,057,051.23
                  合计                                      221,011,737.37                   161,418,139.22

    2、其他流动负债

                项   目                            报告期末数                          年初数
开出本票                                                    29,723,341.63                    87,252,686.00
应付利息税                                                   3,037,436.63                     2,960,393.50
其他代理业务                                                26,476,204.90                    10,712,252.25
待结算财政款项                                               8,070,218.95                    10,763,677.89
其他                                                            69,169.85                        10,308.77
外汇买卖                                                    30,330,508.62
                  合计                                      97,706,880.58                   111,699,318.41

    (二十四)股本

                 类别                              报告期末数                         年初数
国家股                                                    270,000,000.00                   270,000,000.00
国有法人股                                                  201,009,200.00                   201,009,200.00
外资股                                                      250,000,000.00                   250,000,000.00
境内法人股                                                  917,806,153.00                   917,806,153.00
自然人股                                                    411,184,647.00                   411,184,647.00
                 合计                                     2,050,000,000.00                 2,050,000,000.00

    (二十五)资本公积

                 项目                                年初数                          本年增减                      报告期末数
1、股本溢价                                                 320,000,000.00                                -               320,000,000.00
2、可供出售投资公允价值变动储备                               (557,803.30)                       175,999.86                 (381,803.44)
其中:可供出售投资公允价值变动                                (832,542.24)                       175,999.86                 (656,542.38)
其中:可供出售公允价变动的递延税                                274,738.94                                -                   274,738.94
3、自用房产转投资性房地产公允价与
账面价差额                                                   17,463,548.92                             0.00                17,463,548.92
其中:转换日公允价差额                                       26,064,998.39                                -                26,064,998.39
其中:转换日公允价差额的递延税                              (8,601,449.47)                                -               (8,601,449.47)
4、其他                                                               0.00                                -                         0.00
合计                                                        336,905,745.62                       175,999.86               337,081,745.48
(二十六)盈余公积
                 项目                                年初数                          本年提取                       本年减少                  报告期末数
            法定盈余公积                                    147,912,789.73                                -                            -           147,912,789.73
            任意盈余公积                                                 -                                -                            -                     0.00
                合   计                                     147,912,789.73                             0.00                         0.00           147,912,789.73
(二十七)一般风险准备
                年初数                              本年增加                         本年减少                      报告期末数
                          70,973,394.62                                  -                               -                 70,973,394.62
 (二十八)未分配利润
                   项目                            报告期末数
年初数                                                     590,391,767.83
加:本期净利润                                             382,811,020.33
减:提取法定盈余公积                                                 0.00
          提取一般风险准备                                           0.00
          对所有者的分配                                   205,756,164.38
          其他                                                       0.00
加:盈余公积弥补亏损                                                 0.00
     一般风险准备弥补亏损                                            0.00
     其他                                                            0.00
报告期末数                                                767,446,623.78
(二十九)利息净收入
                                                                                                                        与上年同期比增减变
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                                  动
利息收入                                        1,378,133,853.20           2,218,734,534.81             994,907,625.80          38.52%
—存放同业                                          16,524,210.04             82,780,594.64               32,060,700.08        -48.46%
—存放中央银行                                      45,376,761.00             61,537,890.97               27,195,535.14         66.85%
—拆出资金                                           2,571,111.10                129,595.66                   95,883.66        2581.49%
—买入返售金融资产                                   7,306,569.68                933,170.49                  507,023.91        1341.07%
—发放贷款及垫款                                 1,044,037,707.02          1,664,708,827.48              731,918,525.69         42.64%
其中:公司贷款和垫款                               669,094,612.80          1,179,583,097.66              540,948,533.18         23.69%
       个人贷款和垫款                              318,011,284.71            410,011,537.91              158,158,902.88        101.07%
       票据贴现                                     42,713,589.95             51,777,183.15               24,071,881.61         77.44%
       押汇                                         12,634,590.21             19,867,307.40                7,534,957.29         67.68%
       逾期贷款及罚息                               1,583,629.35               3,469,701.36               1,204,250.73          31.50%
—债券投资                                         262,317,494.36            408,644,455.57              203,129,957.32         29.14%
                                                                                                                                  -
利息支出                                           446,364,376.57            735,601,539.24              334,254,573.70         33.54%
—同业存放                                           1,627,390.68              2,374,906.85                  560,068.99        190.57%
—拆入资金                                             796,599.20            109,577,238.17               44,316,992.90        -98.20%
—吸收存款                                         369,437,203.15            623,649,394.22              289,377,511.81         27.67%
—卖出回购金融资产                                  74,405,334.22                                                                 -
                                                                                                                                  -
—其他                                                   1,649.32                                                                 -
利息净收入                                        931,769,476.63           1,483,132,995.57             660,653,052.10            -
(三十)手续费及佣金净收入
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
手续费及佣金收入                                    75,312,549.77            128,457,875.48               57,286,781.29         31.47%
  —国内结算手续费收入                              11,836,504.86             22,895,120.08               11,436,545.11         3.50%
  —代理手续收入                                     16,728,274.69              21,544,691.12              10,638,610.82        57.24%
  —银行卡手续费收入                                  6,761,034.21               5,915,816.55               1,970,107.02       243.18%
  —外汇结算手续费收入                             11,550,278.37              22,658,911.34                9,686,029.95         19.25%
  —其他手续费收入                                    165,294.44                                             331,243.59        -50.10%
  —外汇兑换收入                                          6,455.29               1,088,984.50                                     -
  —经营套汇收入                                                                   448,501.60                 485,909.91       -100.00%
  —结售汇业务收入                                   28,264,707.91              53,978,379.23              22,723,806.60        24.38%
  —代客外汇买卖收入                                                                11,852.65                  11,474.97       -100.00%
  —其他外汇收入                                                                  (84,381.59)                   3,053.32       -100.00%
手续费及佣金支出                                      8,865,387.51              16,341,908.73               6,096,617.97        45.41%
  —结算手续费支出                                    2,526,395.82               4,875,317.28               2,247,891.73        12.39%
  —代理手续费支出                                       84,810.00                     651.33                     651.33      12921.05%
  —银行卡手续费支出                                4,681,379.80               5,777,005.01                2,333,986.04        100.57%
  —外汇结算手续费支出                              1,125,977.95               2,081,082.52                  948,328.08         18.73%
  —外币兑换损失                                         39,012.34               2,581,460.78                     963.79       3947.81%
  —经营套汇损失                                                                   914,482.31                 461,484.60       -100.00%
  —结售汇汇兑损失                                               -                          -                          -          -
  —其他外汇业务                                        407,811.60                 111,909.50                 103,312.40       294.74%
手续费及佣金净收入                                   66,447,162.26             112,115,966.75              51,190,163.32        29.80%
(三十一)投资收益
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
交易性金融资产处置收益
可供出售金融资产处置收益                                651,962.63               8,029,128.69              11,118,046.59       -94.14%
持有至到期投资处置收益                                                                                                            -
长期股权投资(成本法处置收益)                                                                                                    -
长期股权投资(成本法收到红利)                                                      64,000.00                                     -
长期股权投资(权益法调整被投资单
位净权益)                                                                                                                        -
其他                                                                                                                              -
                 合计                                   651,962.63               8,093,128.69              11,118,046.59       -94.14%
(三十二)其他业务收入
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
租金收入                                              3,401,131.69               2,626,333.67               1,691,649.47       101.05%
其他收入                                                                         165,295.97                   33,425.00        -100.00%
                 合计                               3,401,131.69               2,791,629.64                1,725,074.47         97.16%
(三十三)营业税金及附加
                                                                                                                            与上年同期比
 项   目                                                07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
营业税                                             56,365,035.58               89,744,921.43              39,434,127.54         42.93%
城建税                                              3,786,837.89                6,307,242.88               2,593,676.50         46.00%
教育费附加                                          2,816,839.15               3,954,228.68               1,605,278.35          75.47%
                 合计                              62,968,712.62             100,006,392.99              43,633,082.39          44.31%
(三十四)业务及管理费
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
员工费用                                          185,048,641.47              307,938,193.97             146,812,001.71         26.04%
业务费用                                          140,484,264.73              215,887,375.49              98,087,969.39         43.22%
固定资产折旧                                       35,138,132.28               63,780,939.60              28,659,832.40         22.60%
长期待摊费用摊销                                    5,125,691.65               11,276,072.09               5,758,182.46        -10.98%
无形资产摊销                                        1,680,893.44                2,896,444.15               2,590,795.65        -35.12%
                 合计                             367,477,623.57             601,779,025.30             281,908,781.61          30.35%
(三十五)资产减值损失
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
贵金属跌价准备                                                                                                                    -
应收利息坏账准备损失                                                                                                              -
其他应收款坏账准备损失                                                          (306,347.21)                  96,437.23        -100.00%
存放同业款项坏账准备损失                                                                                                          -
拆出资金坏账准备损失                                                                                                              -
买入返售金融资产坏账准备损失                                                                                                      -
贷款减值损失                                       63,479,652.10               66,524,198.20              74,023,427.72        -14.24%
可供出售金融资产减值损失                                                                                                          -
持有至到期投资减值损失                                                                                                            -
长期股权投资减值损失                                                                                                              -
投资性房地产减值损失                                                                                                              -
固定资产减值损失                                                                                           (337,257.17)        -100.00%
在建工程减值损失                                                                                                                  -
无形资产减值损失                                                                                                                  -
抵债资产跌价损失                                                              (6,562,085.52)             (6,562,085.52)        -100.00%
                 合计                              63,479,652.10              59,655,765.47              67,220,522.26          -5.57%
(三十六)其他业务成本
                                                                                                                            与上年同期比
项   目                                       07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
租金收入税费                                                                      147,074.69                  93,886.54        -100.00%
其他                                                  752,742.85                  519,565.39                 226,275.62        232.67%
                 合计                                 752,742.85                  666,640.08                 320,162.16        135.11%
(三十七)营业外收入
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
非流动资产处置利得合计                              3,265,841.94                3,104,520.29                                      -
其中:固定资产处置利得                              3,265,841.94                3,104,520.29                                      -
       无形资产处置利得                                                                                                           -
固定资产盘盈                                                                                                                      -
抵债资产收益                                          711,312.73                6,406,170.81                 510,149.71         39.43%
久悬未取款                                                                      1,118,959.65                 200,023.52        -100.00%
结算罚款收入                                                                        8,464.11                  10,000.00        -100.00%
其他                                                  418,030.08                  429,161.21                   7,113.83        5776.30%
                 合计                               4,395,184.75               11,067,276.07                 727,287.06        504.33%
(三十八)营业外支出
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
非流动资产处置损失合计                                495,863.00                  479,257.50                 305,897.96         62.10%
其中:固定资产处置损失                                495,863.00                  479,257.50                 305,897.96         62.10%
       无形资产处置损失                                                                                                           -
固定资产盘亏                                                                                                                      -
捐赠及赞助费                                          392,000.00               31,461,000.00                 415,000.00         -5.54%
罚没款、滞纳金                                                                  1,360,869.89               1,163,448.80        -100.00%
其他                                                  901,575.01                2,266,114.26                 562,939.76         60.15%
                 合计                               1,789,438.01               35,567,241.65               2,447,286.52        -26.88%
(三十九)所得税费用
                                                                                                                            与上年同期比
               项   目                        07年1-6月                    上年数                    上年同期
                                                                                                                               增减变动
当期所得税费用                                    123,611,109.78              170,593,446.99              66,880,959.88         84.82%
递延所得税费用                                                                 11,517,972.79             -10,162,016.74        -100.00%
                 合计                             123,611,109.78              182,111,419.78              56,718,943.14        117.94%
                                                                                                                            与上年同期比
                                              07年1-6月                    上年数                    上年同期
所得税费用与会计利润关系                                                                                                       增减变动
利润总额                                           506,422,130.11             814,195,931.16             328,351,789.17
按利润总额乘以33%计算之所得税                    167,119,302.94              268,684,657.28             108,356,090.43
加:不可税前抵扣的费用对所得税的
影响数                                             43,271,727.59               72,250,029.22              21,712,132.16
加:免税收入对所得税的影响数                      (86,779,920.75)           (158,823,266.72)             -73,349,279.45
所得税费用                                         123,611,109.78             182,111,419.78              56,718,943.14
所得税率                                          33%                        33%
(四十)现金及现金等价物
                             项   目                                      报告期末数                     年初数
一、现金                                                                      5,049,419,776.22            4,456,325,003.18
其中:库存现金                                                                  249,788,589.98              207,126,425.58
       三个月内到期的存放同业款项                                             1,093,964,055.99            3,672,712,463.43
       可用于支付的存放中央银行款项                                           3,205,667,130.25              574,886,114.17
       三个月内到期的拆放同业款项                                               500,000,000.00                1,600,000.00
二、现金等价物                                                                  481,615,802.88              644,781,151.26
       三个月内到期的债券投资(买入返售证券)                                   270,000,000.00                        0.00
       三个月内到期的债券投资(可供出售金融资产)                                71,083,402.88                        0.00
       三个月内到期的债券投资(持有至到期投资)                                 140,532,400.00              644,781,151.26
       三个月内到期的债券投资(交易性金融资产)                                           0.00                        0.00
三、期末现金及现金等价物余额                                                  5,531,035,579.10            5,101,106,154.44
其中:母公司或集团内子公司使用受限制的现金和现金等价
物                                                                                        0.00                        0.00
(四十一)、关联方关系及交易
1.贷款利息收入
A、报告期内向持有本行5%及5%以上的股份的股东收取的贷款利息收入
                   关联方名称                             2007年6月30日                   2006年12月31日
                         -                                         -                               -

    B、报告期内向受本行内部人及其近亲属直接、间接、共同控制或可施加重大影响的企业收取的贷款利息收入

                              名称                                    2007年6月30日                 2006年12月31日
   杉杉集团有限公司                                                               2,340,600.00                 3,376,350.00
   宁波杉杉科技创业投资有限公司                                                     636,480.00                 1,257,360.00
   宁波杉杉服装有限公司                                                            625,696.88                  1,898,143.76
   宁波杉杉新材料科技有限公司                                                      192,513.75                    573,311.00
   宁波贝儿森孕婴用品有限公司                                                       35,276.75                     72,124.00
   浙江省技术进出口宁波有限公司                                                     14,062.50                    392,094.00
   中基宁波对外贸易股份有限公司                                                               -                  953,700.00
   宁波市家电日用品进出口有限公司                                                 2,435,927.50                 3,640,477.50
   宁波双鹿电池有限公司                                                              144,500.00                  297,175.00
   宁波亨润集团有限公司                                                             819,975.00                 2,193,327.50
   宁波亨润聚合有限公司                                                           2,407,110.00                 4,564,329.90
   宁波富邦精业集团股份有限公司                                                               -                  550,715.00
   宁波富邦家具有限公司                                                            585,110.00                  1,113,380.00
   宁波富邦精业集团股份有限公司铝材厂                                                557,862.50                2,495,188.75
   宁波亨润家具有限公司                                                          1,010,761.00                  1,907,931.00
   宁波久丰热电有限公司                                                            365,800.00                    846,067.50
   宁波华茂文教股份有限公司                                                        955,500.00                  2,268,700.00
   宁波华茂进出口有限公司                                                                     -                1,908,431.25
   浙江华茂国际贸易有限公司                                                       1,274,665.00                 1,017,937.50
                              合计                                                14,401,840.88              31,326,743.66

    2.存款利息支出
    A、报告期内向持有本行5%及5%以上的股份的股东支付的存款利息支出

                          关联方名称                                   2007年6月30日                2006年12月31日
   宁波市财政局                                                                  5,760,922.69                  11,966,868.92
   宁波杉杉股份有限公司                                                               8,719.54                     40,301.60
   雅戈尔集团股份有限公司                                                                     -                    21,977.22
   宁波富邦控股集团有限公司                                                           19,011.24                    38,678.00
   宁波市电力开发公司                                                                 1,272.89                     41,842.92

    B、报告期内向受本行内部人及其近亲属直接、间接、共同控制或可施加重大影响的企业支付的存款利息支出

                            关联方名称                                 2007年6月30日                2006年12月31日
   杉杉集团有限公司                                                                  18,657.28                     46,204.84
   宁波杉杉科技创业投资有限公司                                                       5,927.87                     19,661.56
   宁波杉杉服装有限公司                                                             11,132.64                      19,034.25
   中国宁波国际合作有限责任公司                                                        374.05                       8,283.81
   宁波杉杉新材料科技有限公司                                                       48,698.39                     234,733.18
   宁波贝儿森孕婴用品有限公司                                                        2,091.78                       1,416.73
   浙江省技术进出口宁波有限公司                                                        567.75                       2,841.43
   宁波奇能商贸有限公司                                                                7,419.61                    22,738.96
   宁波市工艺品进出口有限公司                                                         2,117.13                     37,092.80
   宁波杉杉衬衫有限公司                                                                 382.91                        521.21
   宁波源兴贸易有限公司                                                               2,963.26                      6,631.33
   宁波杰艾希服装有限公司                                                             1,410.98                     15,339.74
   宁波杉杉童装有限公司                                                                       -                       180.28
   宁波杉杉实业有限公司                                                                       -                        25.18
   宁波松和制衣有限公司                                                                176.30                       1,163.70
   宁波杉杉大东服装有限公司                                                         98,999.55                       2,350.00
   中基宁波对外贸易股份有限公司                                                     93,404.44                     197,406.61
   宁波经济技术开发区中基进出口有限公司                                             10,304.15                      22,249.52
   宁波保税区新悦国际贸易有限公司                                                        95.91                      4,224.34
   宁波雅戈尔国际贸易运输有限公司                                                     5,764.62                     32,305.95
   宁波千一进出口有限公司                                                             5,104.05                      8,541.89
   宁波雅戈尔置业有限公司                                                             5,325.96                     48,163.70
   宁波建国物业管理有限公司                                                          2,076.00                       4,284.74
   宁波宜科科技实业股份有限公司                                                           72.23                       289.00
   宁波正新源进出口有限公司                                                            573.34                       1,743.38
   宁波市家电日用品进出口有限公司                                                    5,534.27                      15,837.75
   宁波双鹿电池有限公司                                                             22,544.48                      35,892.05
   宁波亨润集团有限公司                                                              5,551.67                       5,573.55
   宁波亨润聚合有限公司                                                                2,697.89                    12,209.40
   宁波富邦精业集团股份有限公司                                                         202.70                      2,132.32
   宁波富邦家具有限公司                                                               1,478.06                      1,836.84
   宁波富邦精业集团股份有限公司铝材厂                                                 9,762.78                     23,330.89
   宁波云海宾馆有限公司                                                                 640.17                      2,513.93
   宁波亨润家具有限公司                                                               5,519.80                     20,976.05
   宁波亨润铝业有限公司                                                                 115.90                        261.28
   宁波庆丰热电有限公司                                                                 363.64                        745.25
   宁波开发投资集团有限公司                                                         18,834.34                     65,757.90
   宁波长丰热电有限公司                                                             18,062.60                     75,958.11
   宁波凯利大酒店有限公司                                                            6,534.08                     11,617.34
   宁波宁电进出口有限公司                                                              573.60                      1,389.27
   宁波溪口抽水蓄能电站有限公司                                                    139,702.50                    180,124.10
   宁波久丰热电有限公司                                                               3,123.44                     17,199.03
   宁波华茂文教股份有限公司                                                           2,125.81                      9,780.26
   宁波华茂进出口有限公司                                                                     -                    85,754.50
   宁波华源文教科技器材有限公司                                                            5.95                        15.08
   宁波中天投资有限公司                                                                  18.22                         37.35
   宁波华茂房地产开发有限公司                                                          257.06                      2,610.61
   浙江华茂国际贸易有限公司                                                          4,362.94                      1,581.44
   华茂集团股份有限公司                                                             12,588.13                               -
                                合计                                               584,240.23                    1,310,562.43

    3.关联交易余额
    A、报告期末对董事、关键管理人员的贷款

       关联方名称                      2007年6月30日                             2006年12月31日
         陈雪峰                                                       -                          2,625,000.00
         洪立峰                                                       -                          1,480,000.00
         应林军                                              600,000.00                            500,000.00
         陆华裕                                                       -                          1,500,000.00
         罗维开                                                       -                            930,000.00
         任智水                                                       -                          1,000,000.00
         王力行                                              700,000.00                          1,000,000.00
           杨晨                                                       -                            550,000.00
         俞凤英                                                       -                          1,418,000.00
           张辉                                                       -                          1,500,000.00
           合计                                            1,300,000.00                         12,503,000.00

    B、报告期末对除本行董事、关键管理人员外的内部人以及内部人的近亲属的贷款

                 内容                        2007年6月30日                       2006年12月31日
                 金额                           233,905,462.40                     266,039,469.38
                 户数                                449                                 486

    C、报告期末对本行关联法人的控股自然人股东、董事、关键管理人员的贷款

             关联方名称                      2007年6月30日                       2006年12月31日
                 周波                                        300,000.00                           320,000.00
               宋汉心                                        300,000.00                           300,000.00
               黄小明                                                 -                            70,000.00
                 合计                                        600,000.00                           690,000.00
D、报告期末与持有本行5%及5%以上的股份的股东的关联交易余额
2007年6月30日
             关联方名称                     贷款余额                存款余额             开出信用证       银行承兑汇票          开出保函           存入保证金
宁波市财政局                                              -           882,263,776.00                   -                 -                    -                 -
宁波杉杉股份有限公司                                      -             2,736,137.90                   -                 -                    -                 -
宁波富邦控股集团有限公司                                  -             1,643,542.94                   -                 -                    -                 -
宁波市电力开发公司                                        -               350,649.95                   -                 -                    -                 -

    E、报告期末与受本行内部人及其近亲属直接、间接、共同控制或可施加重大影响的企业的关联交易余额

                   关联方名称                           贷款余额              存款余额           开出信用证          银行承兑汇票          开出保函
   杉杉集团有限公司                                        80,000,000.00       4,498,883.13                      -                    -
   宁波杉杉科技创业投资有限公司                            20,000,000.00         614,599.61                      -                    -
   宁波杉杉服装有限公司                                    45,000,000.00       1,103,327.14                      -                    -
   中国宁波国际合作有限责任公司                                        -          46,680.13                      -                    -                 -
   宁波杉杉新材料科技有限公司                              44,170,000.00      10,549,757.71                      -         9,595,033.26                 -
   宁波贝儿森孕婴用品有限公司                               1,000,000.00         279,400.30                      -                    -                 -
   浙江省技术进出口宁波有限公司                                        -          97,529.85                      -                    -                 -
   宁波奇能商贸有限公司                                                -       2,228,789.35                      -                    -                 -
   宁波市工艺品进出口有限公司                               5,800,000.00       1,253,869.18                      -                    -                 -
   宁波杉杉衬衫有限公司                                                -         121,088.12                      -                    -                 -
   宁波源兴贸易有限公司                                                -         187,194.16                      -                    -                 -
   宁波松和制衣有限公司                                                -          48,398.15                      -                    -                 -
   宁波杉杉大东服装有限公司                                            -       5,018,944.55                      -                    -                 -
   中基宁波对外贸易股份有限公司                            28,123,772.90      40,295,016.87         193,838,623.80                    -                 -
   宁波经济技术开发区中基进出口有限公司                                -      59,313,713.86          11,764,163.52                    -        162,874.41
   宁波保税区新悦国际贸易有限公司                                      -          20,068.72                      -                    -                 -
   宁波雅戈尔国际贸易运输有限公司                           3,853,000.00       2,902,341.91           7,529,882.14                    -                 -
   宁波千一进出口有限公司                                              -         740,072.25                      -                    -                 -
   宁波雅戈尔置业有限公司                                              -       1,369,759.85                      -                    -                 -
   宁波建国物业管理有限公司                                            -         540,428.64                      -                    -                 -
   宁波宜科科技实业股份有限公司                                        -          19,898.29                      -                    -                 -
   宁波正新源进出口有限公司                                            -         152,015.26                      -                    -                 -
   宁波市家电日用品进出口有限公司                         109,080,543.83       2,633,145.07                 471.67                    -                 -
   宁波双鹿电池有限公司                                     5,000,000.00       1,261,680.98                      -                    -                 -
   宁波亨润集团有限公司                                    20,000,000.00         463,926.69                      -                    -                 -
   宁波亨润聚合有限公司                                    83,710,780.55         782,306.35                      -                    -                 -
   宁波富邦精业集团股份有限公司                                        -          46,638.01                      -                    -                 -
   宁波富邦家具有限公司                                    20,000,000.00         101,125.46                      -                    -                 -
   宁波富邦精业集团股份有限公司铝材厂                      10,000,000.00       2,144,643.95                      -                    -                 -
   宁波云海宾馆有限公司                                                -           1,462.95                      -                    -                 -
   宁波亨润家具有限公司                                    35,000,000.00       2,336,947.90                      -                    -                 -
   宁波亨润铝业有限公司                                                -          31,238.07                      -                    -                 -
   宁波庆丰热电有限公司                                                -         100,173.89                      -                    -                 -
   宁波开发投资集团有限公司                                            -      25,714,448.35                      -                    -                 -
   宁波长丰热电有限公司                                                -       3,088,959.72                      -                    -                 -
   宁波凯利大酒店有限公司                                              -       1,513,581.84                      -                    -                 -
   宁波宁电进出口有限公司                                              -         167,251.73                      -                    -                 -
   宁波溪口抽水蓄能电站有限公司                                        -      20,139,702.50                      -                    -                 -
   宁波久丰热电有限公司                                                -         204,907.51                      -                    -                 -
   宁波华茂文教股份有限公司                                            -         178,350.39                      -                    -                 -
   宁波中天投资有限公司                                                -           5,020.03                      -                    -                 -
   宁波华茂房地产开发有限公司                                          -          91,874.87                      -                    -                 -
   浙江华茂国际贸易有限公司                                27,680,554.01       4,826,210.74          16,069,388.05         9,990,000.00                 -
   华茂集团股份有限公司                                                -       2,458,097.51                  -                    -                 -
                       合计                               538,418,651.29     199,693,471.54         229,202,529.18        19,585,033.26        162,874.41

    (四十二)、或有事项、承诺事项及主要表外事项 
    1、诉讼事项形成的或有事项 
    截至2007年06月30日止,本行作为原告的诉讼案件的标的金额为2,446.64万元,本行作为被告的诉讼案件的标的金额为51.50万元。
    2、承诺事项
    a.资本性支出承诺

          项目                    2007年6月30日                           2006年12月31日
   已签约但未计提                      51,269,603.00                           29,496,095.08
   已批准但未签约                                                               2,034,500.00
          合计                         51,269,603.00                           31,530,595.08

    b.经营性租赁承诺
    于各资产负债表日,本行就不可撤销之营业场所及办公楼租赁协议未来需缴付的最低租金为:

                                 2007年6月30日           2006年12月31日
一年以内                                 17,116,711.00        24,868,302.55
一至二年                                 15,955,696.67        26,286,555.13
二至三年                                 15,490,786.00        24,926,576.23
三至四年                                 14,350,593.00        22,263,333.22
四至五年                                    136,857.00        20,924,706.94
 五年以上                                 5,876,721.48        88,743,841.11
合计                                    68,927,365.15        208,013,315.18

    c.对外资产质押承诺:
    本行部分国债被用作个人理财产品项下存款、邮政储蓄存款及同业间卖出回购等业务的质押物。于各资产负债表日,相关余额及质押到期日如下:

                           2007年6月30日                         质押到期日                   2006年12月31日                       质押到期日
个人理财产品项下                  17,400,000.00                         2007年12月25日              17,400,000.00                         2007年12月25日
邮政储蓄存款项下               2,100,000,000.00      2009年4月21日~2009年5月10日                 2,100,000,000.00      2009年4月21日~2009年5月10日
卖出回购证券协议               9,690,000,000.00      2007年7月2日~2007年12月28日                 5,000,000,000.00      2007年1月4日~2007年12月28日

    3.主要的或有风险的表外事项

                                             2007年6月30日                                                      2006年12月31日
                                                                         保证金所占                                                              保证金所占
项目
                                   金额                保证金金额         比例(%)                   金额                     保证金金额         比例(%)
开出信用证                     1,436,984,468.86       189,437,955.56             13.18                 2,174,724,742.21          187,052,583.03          14.67
银行承兑汇票                   8,928,411,578.64     4,962,496,015.87             55.58                 8,856,094,461.98        4,938,169,330.99          55.76
开出保函                         358,125,285.96       212,746,628.62             59.41                   319,071,658.04          145,601,337.92          45.63
贷款承诺及其他                 5,268,191,525.57                                                        6,019,375,266.41                       -              -
国库券承兑承诺                 2,146,688,200.00                                                        2,256,181,100.00                       -              -
(四十三)、其他重要事项
1、业务分布
2007年1-6月分部报告
项     目                              公司业务                个人银行业务            资金业务                其他业务             合计
利息收入净额                                    552,893,945.84          252,522,873.51          126,352,657.28                 0.00          931,769,476.63
手续费收入净额                                   20,106,331.09           11,547,729.64            6,968,762.27                 0.00           38,622,823.00
净交易收入/支出                                  27,824,339.26                    0.00                    0.00                 0.00           27,824,339.26
证券投资净收益                                            0.00                    0.00              651,962.63                 0.00              651,962.63
其他营业收入/支出                                         0.00                    0.00                    0.00         2,648,388.84            2,648,388.84
公允价值变动收益                                                                                          0.00                                         0.00
汇兑收益                                        (3,774,618.70)                                                                               (3,774,618.70)
出售子公司股份净收益                                      0.00                    0.00                    0.00                 0.00                    0.00
营业税金及附加                                   43,694,531.69           18,658,775.73              425,503.06           189,902.14           62,968,712.62
业务及管理费                                    196,706,170.56           83,998,985.24           85,894,176.18           854,910.69          367,454,242.67
贷款减值(损失)/回拨                            38,629,901.27           24,849,750.83                    0.00                 0.00           63,479,652.10
除贷款外的其他资产减值(损失)/
                                                          0.00                    0.00                    0.00                 0.00                    0.00
回拨
营业利润                                        318,019,393.97          136,563,091.35           47,653,702.94         1,603,576.01          503,839,764.27
营业外收支净额                                            0.00                    0.00                    0.00         2,605,746.74            2,605,746.74
税前利润                                        318,019,393.97          136,563,091.35           47,653,702.94         4,209,322.75          506,445,511.01
资产总额                                     25,221,581,347.97       10,120,449,539.20       31,346,733,855.18       231,585,549.16       66,920,350,291.51
负债总额                                     43,018,294,660.32       10,240,331,064.08        9,951,529,878.54       335,717,268.00       63,545,872,870.94
补充信息
1、折旧和摊销费用                             20,747,853.92             8,859,908.52            9,059,806.38              90,172.88           38,757,741.70
2、资本性支出                                 33,736,849.58            14,406,569.57           14,731,611.59             146,624.75         63,021,655.49
2006年1-6月分部报告
项     目                              公司业务                个人银行业务             资金业务               其他业务             合计
利息收入净额                                 446,257,484.41           123,012,480.02           91,383,087.67                   0.00          660,653,052.10
手续费收入净额                                18,256,947.51             (363,879.02)           10,638,610.82                   0.00         28,531,679.31
净交易收入/支出                               22,658,484.01                                                                                 22,658,484.01
证券投资净收益                                                                                 11,118,046.59                                11,118,046.59
其他营业收入/支出                                                                                                      1,404,912.31          1,404,912.31
公允价值变动收益                                                                                                                                       0.00
汇兑收益                                     (1,531,999.43)                                                                                  (1,531,999.43)
出售子公司股份净收益                                                                                                                                   0.00
营业税金及附加                                34,117,215.82             9,164,802.55              255,897.22              95,166.80           43,633,082.39
业务及管理费                                 165,423,467.06            44,437,196.19           71,586,684.97             461,433.39          281,908,781.61
贷款减值(损失)/回拨                         46,127,633.17            27,895,794.55                                                          74,023,427.72
除贷款外的其他资产减值(损失)/
                                                                                                                                           (6,802,905.46)
回拨                                         (6,729,456.39)              (23,650.52)             (49,798.55)
营业利润                                     246,702,056.84            41,174,458.23           41,346,961.44             848,312.12          330,071,788.63
营业外收支净额                                                                                                       (1,719,999.46)          (1,719,999.46)
税前利润                                     246,702,056.84            41,174,458.23           41,346,961.44           (871,687.34)          328,351,789.17
资产总额                                  22,417,012,127.69         6,395,089,145.21       27,396,756,130.39         113,186,592.28     56,322,043,995.57
负债总额                                  35,204,456,946.29         8,689,253,801.54        9,436,140,836.21         176,034,399.70     53,505,885,983.74
补充信息
1、折旧和摊销费用                             20,418,999.21             5,485,092.83            8,836,282.36              56,956.90         34,797,331.30
2、资本性支出                                 46,513,877.58            12,494,879.60           20,128,790.44             129,746.14         79,267,293.76
2、扣除非经常性损益后的利润
非经常性损益项目
非经常性损益项目                                                           2007年6月30日
1、非流动资产处置损益                                                                        2,769,978.94
2、除上述各项之外的其他营业外收支净额                                                           -164,232.20
减:所得税影响额                                                                                 859,896.42
非经常性损益合计                                                                             1,745,850.32
3、每股收益及净资产收益率
                                              净资产收益率(%)                                     每股收益(元)
报告期利润(2007年1-6月)
                                         全面摊薄                加权平均              基本每股收益             稀释每股收益
营业利润                                   14.93                   15.18                    0.25                       0.25
净利润                                     11.35                   11.53                    0.19                       0.19
扣除非经常性损益后的利润
                                           11.30                   11.48                    0.19                       0.19

    4、资产负债表日后事项
    本行7月12日公开发行股票4.5亿股,发行价9.20元,募集资金41.4亿元. 2007年7月17日由主承销商高盛高华证券有限责任公司汇入本行4,035,500,000.00元(已扣除承销商发行费用104,500,000.00元),减除其他发行费用人民币8,540,000.00元,计募集资金净额为人民币4,026,960,000.00元,其中注册资本人民币450,000,000.00元,资本溢价人民币3,576,960,000.00元计入资本公积。
    经立信长江审验,截至2007年7月17日止,贵行实际已发行人民币普通股(A股)450,000,000.00股,新增注册资本、实收资本(股本)人民币450,000,000.00元,均以货币资金出资。变更后的注册资本为人民币2,500,000,000.00元。
    本行股票于7月19日在深交所中小版成功挂牌。