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宁波银行(002142)公告正文

宁波银行:2010年年度报告摘要

公告日期:2011-04-27

                                                                宁波银行股份有限公司 2010 年年度报告摘要




证券代码:002142                          证券简称:宁波银行                     公告编号:2011-011


                   宁波银行股份有限公司 2010 年年度报告摘要


§1 重要提示

    1.1 _本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、
误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性承担个别及连带责任。
    1.2 _安永华明会计师事务所根据国内会计准则为本公司出具了标准无保留意见的审计报告。
    1.3 _公司董事长陆华裕先生、行长俞凤英女士、主管会计工作负责人罗维开先生及会计机构负责人孙
洪波女士声明:保证年度报告中财务报告的真实、完整。

§2 公司基本情况简介

2.1 基本情况简介

        股票简称              宁波银行
        股票代码              002142
        上市交易所            深圳证券交易所
        注册地址              浙江省宁波市中山东路 294 号
    注册地址的邮政编码        315040
        办公地址              浙江省宁波市鄞州区宁南南路 700 号
    办公地址的邮政编码        315100
    公司国际互联网网址        WWW.NBCB.COM.CN
        电子信箱              DSH@NBCB.COM.CN

2.2 联系人和联系方式

                                      董事会秘书                             证券事务代表
         姓名          陈和智                                   陈 晨
       联系地址        浙江省宁波市鄞州区宁南南路 700 号        浙江省宁波市鄞州区宁南南路 700 号
         电话          0574-87050028                            0574-87050028
         传真          0574-87050027                            0574-87050027
       电子信箱        DSH@NBCB.COM.CN                          DSH@NBCB.COM.CN

§3 会计数据和业务数据摘要

3.1 主要会计数据

                                                                                           单位:千元
                         2010 年               2009 年          本年比上年增减            2008 年
   营业总收入                 5,911,918             4,175,506             41.59%               3,403,794
     利润总额                 2,948,004             1,749,715             68.48%               1,522,883
 归属于上市公司               2,321,986             1,457,446             59.32%               1,331,737



                                                                                                      1
                                                                        宁波银行股份有限公司 2010 年年度报告摘要



   股东的净利润
 归属于上市公司
 股东的扣除非经
                              2,188,198               1,356,903                    61.26%                 1,352,636
 常性损益的净利
       润
 经营活动产生的
                             55,182,576              16,541,919                   233.59%                 5,921,029
   现金流量净额
                        2010 年末                2009 年末       本年末比上年末增减              2008 年末
     总资产                 263,274,332              163,351,866             61.17%                  103,263,191
 归属于上市公司
 股东的所有者权              15,876,639               9,741,983                    62.97%                 8,805,004
       益
   股本(千股)               2,883,821               2,500,000                    15.35%                 2,500,000

3.2 主要财务指标

                                                                                                    单位:千元
                              2010 年                 2009 年            本年比上年增减            2008 年
基本每股收益(元/股)                     0.91                   0.58            56.90%                     0.53
稀释每股收益(元/股)                     0.91                   0.58            56.90%                     0.53
扣除非经常性损益后的
                                          0.85                   0.54               57.41%                     0.54
基本每股收益(元/股)
加权平均净资产收益率
                                     20.53%                 15.79% 提高 4.74 个百分点                       15.91%
(%)
扣除非经常性损益后的
加权平均净资产收益率                 19.35%                 14.70% 提高 4.65 个百分点                       16.16%
(%)
每股经营活动产生的现
                                         19.14                   6.62              189.12%                     2.37
金流量净额(元/股)
                                                                        本年末比上年末增
                             2010 年末               2009 年末                                    2008 年末
                                                                              减
归属于上市公司股东的
                                          5.51                   3.90               41.28%                     3.52
每股净资产(元/股)
非经常性损益项目
√ 适用 □ 不适用
                                                                                                  单位:千元
                 非经常性损益项目                                        金额                 附注(如适用)
非流动资产处置损益                                                                  69,993
计入当期损益的政府补助,但与公司正常经营业务密切
相关,符合国家政策规定、按照一定标准定额或定量持                                  157,438
续享受的政府补助除外
采用公允价值模式进行后续计量的投资性房地产公允价
                                                                                  -109,666
值变动产生的损益
除上述各项之外的其他营业外收入和支出                                                8,139
所得税影响额                                                                        7,884
                       合计                                                       133,788             -




                                                                                                                2
                                                                  宁波银行股份有限公司 2010 年年度报告摘要



3.3 境内外会计准则差异

□ 适用 √ 不适用

§4 股本变动及股东情况

4.1 股份变动情况表

                                                                                                单位:股
                     本次变动前                          本次变动增减(+,-)                     本次变动后
                                                           公积
                                                       送
                     数量        比例    发行新股          金转    其他            小计            数量       比例
                                                       股
                                                             股
一、有限售条件
                 1,446,450,910 57.86% 383,820,529              -1,420,751,935   -1,036,931,406 409,519,504 14.20%
股份
1、国家持股         270,000,000 10.80%                          -270,000,000     -270,000,000
2、国有法人持
                    179,000,000 7.16%     26,000,000            -179,000,000     -153,000,000    26,000,000 0.90%

3、其他内资持
                    716,000,000 28.64%   211,500,000            -716,000,000     -504,500,000   211,500,000 7.33%

  其中:境内非
                    716,000,000 28.64%   211,500,000            -716,000,000     -504,500,000   211,500,000 7.33%
国有法人持股
      境内自然
人持股
4、外资持股         250,000,000 10.00% 146,320,529              -250,000,000     -103,679,471 146,320,529 5.07%
  其中:境外法
                    250,000,000 10.00% 146,320,529              -250,000,000     -103,679,471 146,320,529 5.07%
人持股
      境外自然
人持股
5、高管股份          31,450,910 1.26%                              -5,751,935      -5,751,935   25,698,975 0.89%
二、无限售条件                                                                                2,474,301,02
                 1,053,549,090 42.14%                           1,420,751,935   1,420,751,935              85.80%
股份                                                                                                     5
1、人民币普通                                                                                 2,474,301,02
                 1,053,549,090 42.14%                           1,420,751,935   1,420,751,935              85.80%
股                                                                                                       5
2、境内上市的
外资股
3、境外上市的
外资股
4、其他
                                 100.00                                                         2,883,820,52 100.00
三、股份总数     2,500,000,000          383,820,529                        0      383,820,529
                                     %                                                                     9     %
限售股份变动情况表
                                                                                                单位:股
                           本年解除限售 本年增加限售
  股东名称   年初限售股数                             年末限售股数    限售原因              解除限售日期
                               股数         股数
宁波市财政局   270,000,000   270,000,000            0             0-                        -
OVERSEA-CH
INESE                                                               非公开发行认            2013 年 10 月
               250,000,000   250,000,000  146,320,529   146,320,529
BANKING                                                             购股份限售              25 日
CORPORATIO



                                                                                                          3
                                                                    宁波银行股份有限公司 2010 年年度报告摘要



N LIMITED
宁波杉杉股份
                  179,000,000     179,000,000               0               0-                -
有限公司
雅戈尔集团股                                                                              2013 年 10 月
                                                                               非公开发行认
                  179,000,000     179,000,000      70,500,000       70,500,000
份有限公司                                                                     购股份限售 25 日
宁波富邦控股                                                                              2013 年 10 月
                                                                               非公开发行认
                  179,000,000     179,000,000      70,500,000       70,500,000
集团有限公司                                                                   购股份限售 25 日
宁波市电力开                                                                              2013 年 10 月
                                                                               非公开发行认
                  179,000,000     179,000,000      26,000,000       26,000,000
发公司                                                                         购股份限售 25 日
华茂集团股份                                                                              2013 年 10 月
                                                                               非公开发行认
                  179,000,000     179,000,000      70,500,000       70,500,000
有限公司                                                                       购股份限售 25 日
                                                                                          在任董事、监
公司董事、监                                                                              事和高级管理
                                                                             董事、监事、
事及高级管理       31,450,910       5,751,935               0     25,698,975              人员一年内最
                                                                             高管锁定股份
人员持股                                                                                  多转让持有股
                                                                                          份的 25%
    合计       1,446,450,910 1,420,751,935        383,820,529    409,519,504       -           -

4.2 前 10 名股东、前 10 名无限售条件股东持股情况表

                                                                                                  单位:股
       股东总数                                                                                       155,974
           前 10 名股东持股情况
                                                                       持有有限售条件股 质押或冻结的股份
       股东名称           股东性质       持股比例        持股总数
                                                                           份数量             数量
OVERSEA-CHINESE
BANKING
                        境外法人                13.74%   396,320,529         146,320,529                       0
CORPORATION
LIMITED
宁波市财政局            国家                    9.36%    270,000,000                     0         24,893,435
宁波富邦控股集团有限    境内非国有
                                                8.65%    249,500,000             70,500,000                    0
公司                    法人
                        境内非国有
华茂集团股份有限公司                            8.65%    249,500,000             70,500,000                    0
                        法人
雅戈尔集团股份有限公    境内非国有
                                                8.65%    249,500,000             70,500,000                    0
司                      法人
宁波市电力开发公司      国有法人                 7.11%   205,000,000             26,000,000        16,503,425
                        境内非国有
宁波杉杉股份有限公司                            6.21%    179,000,000                     0                     0
                        法人
                        境内非国有
卓力电器集团有限公司                            1.87%     54,000,000                     0         54,000,000
                        法人
华侨银行有限公司        境外法人            1.60%   46,099,471                0                                0
宁波经济技术开发区控
                        国有法人            0.67%   19,250,000                0                     2,029,202
股有限公司
          前 10 名无限售条件股东持股情况
              股东名称                  持有无限售条件股份数量                股份种类
宁波市财政局                                            270,000,000 人民币普通股
OVERSEA-CHINESE BANKING
                                                        250,000,000 人民币普通股
CORPORATION LIMITED
宁波富邦控股集团有限公司                                179,000,000 人民币普通股



                                                                                                          4
                                                           宁波银行股份有限公司 2010 年年度报告摘要



宁波杉杉股份有限公司                                   179,000,000 人民币普通股
华茂集团股份有限公司                                   179,000,000 人民币普通股
雅戈尔集团股份有限公司                                 179,000,000 人民币普通股
宁波市电力开发公司                                     179,000,000 人民币普通股
卓力电器集团有限公司                                    54,000,000 人民币普通股
华侨银行有限公司                                        46,099,471 人民币普通股
宁波经济技术开发区控股有限公司                          19,250,000 人民币普通股
                       前十名股东及前十名无限售条件股东中宁波市财政局和宁波市电力开发公司为一
上述股东关联关系或一
                       致行动人;华侨银行有限公司是 OVERSEA-CHINESE BANKING CORPORATION
    致行动的说明
                       LIMITED 的合格境内机构投资者。

4.3 控股股东及实际控制人情况介绍

4.3.1 控股股东及实际控制人变更情况

□ 适用 √ 不适用

4.3.2 控股股东及实际控制人具体情况介绍

□ 适用 √ 不适用

4.3.3 公司与实际控制人之间的产权及控制关系的方框图




§5 董事、监事和高级管理人员

5.1 董事、监事和高级管理人员持股变动及报酬情况

                                                                                      报告期          是否在
                                                                                      内从公          股东单
                                     任期起始日 任期终止日 年初持股 年末持股
     姓名           职务   性别 年龄                                         变动原因 司领取          位或其
                                         期         期       数       数
                                                                                      的报酬          他关联
                                                                                      总额(万        单位领



                                                                                                 5
                                                        宁波银行股份有限公司 2010 年年度报告摘要



                                                                                         元)(税 取薪酬
                                                                                           前)
         董事、董事           2008 年 01   2011 年 01
陆华裕              男   46                             6,000,000 4,500,000 竞价交易       198.69 否
         长                   月 12 日     月 11 日
         董事、副董
                              2008 年 01   2011 年 01
俞凤英   事长兼行女      52                             5,100,000 3,825,000 竞价交易       188.70 否
                              月 12 日     月 11 日
         长
                            2008 年 01     2011 年 01
孙泽群   董事      男    59                                     0         0-                  0.00 是
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
宋汉平   董事      男    47                                     0         0-                  5.04 是
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
李寒穷   董事      女    33                                     0         0-                  5.04 是
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
时利众   董事      男    55                                     0    13,500 竞价交易          5.04 是
                            月 12 日       月 11 日
                            2010 年 04     2011 年 01
陈光华   董事      男    50                                     0         0-                  4.20 是
                            月 16 日       月 11 日
                            2008 年 01     2011 年 01
徐万茂   董事      男    65                                     0   200,000 竞价交易          5.04 是
                            月 12 日       月 11 日
                            2008 年 05     2011 年 01
戴志勇   董事      男    39                                     0         0-                  5.04 是
                            月 16 日       月 11 日
         董事兼副           2008 年 01     2011 年 01
洪立峰              男   46                             5,200,000 4,400,000 竞价交易       152.34 否
         行长               月 12 日       月 11 日
         董事兼副
                              2008 年 01   2011 年 01
罗维开   行长、财务 男   46                             4,570,000 4,450,000 竞价交易       152.32 否
                              月 12 日     月 11 日
         负责人
                            2008 年 01     2011 年 01
陈永富   独立董事 男     65                                     0         0-                22.80 否
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
王洛林   独立董事 男     72                                     0         0-                22.80 否
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
李多森   独立董事 男     70                                     0         0-                22.80 否
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
翁礼华   独立董事 男     65                                     0         0-                22.80 否
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
韩子荣   独立董事 男     47                                     0         0-                22.80 否
                            月 12 日       月 11 日
                            2008 年 01     2011 年 01
刘亚     独立董事 男     51                                     0         0-                22.80 否
                            月 12 日       月 11 日
         董事、董事         2008 年 01     2011 年 01
杨晨                男   49                             1,880,000 1,880,000 -              120.00 否
         会秘书             月 12 日       月 11 日
         职工代表
                              2008 年 01   2011 年 01
张辉     监事、监事 男   50                             5,100,000 3,825,000 竞价交易       179.04 否
                              月 12 日     月 11 日
         长
                            2008 年 01     2011 年 01
许利明   监事      男    48                                     0         0-                  2.52 是
                            月 12 日       月 11 日
                            2010 年 04     2011 年 01
陈忠静   监事      男    48                                     0         0-                  2.10 是
                            月 16 日       月 11 日
                            2008 年 01     2011 年 01
郑孟状   外部监事 男     46                                     0         0-                10.80 否
                            月 12 日       月 11 日
罗国芳   外部监事 男     45 2008 年 01     2011 年 01           0         0-                10.80 否



                                                                                              6
                                                                   宁波银行股份有限公司 2010 年年度报告摘要



                                         月 12 日     月 11 日
               职工代表                  2008 年 01   2011 年 01
王力行                  男            51                           1,470,000 1,470,000 -              130.00 否
               监事                      月 12 日     月 11 日
               职工代表                  2008 年 01   2011 年 01
应林军                  男            37                            247,500      185,625 竞价交易      23.74 否
               监事                      月 12 日     月 11 日
Khoo Seow                                2008 年 01   2010 年 03
               副行长        男       49                                    0         0               616.29 否
Chiong                                   月 12 日     月 31 日
                                         2008 年 01   2011 年 01
罗孟波         副行长        男       40                           1,828,000 1,828,000                155.81 否
                                         月 12 日     月 11 日
                                         2009 年 12   2012 年 12
顾颂东         行长助理 男            41                                50,000    50,000              124.20 否
                                         月 28 日     月 28 日
                                                                   31,445,50 26,627,12
       合计         -         -      -         -            -                                -      2,233.55      -
                                                                           0         5
董事、监事、高级管理人员报告期内被授予的股权激励情况
□ 适用 √ 不适用

5.2 董事出席董事会会议情况

                                                          以通讯方式                       是否连续两
                                              现场出席次              委托出席次
   董事姓名      具体职务         应出席次数              参加会议次              缺席次数 次未亲自出
                                                  数                      数
                                                              数                              席会议
陆华裕        董事、董事长                  9           4           5           0         0否
              董事、副董事长
俞凤英                                     9            4           5             0           0否
              兼行长
孙泽群        董事                         9            2           5             2           0否
宋汉平        董事                         9            3           5             1           0否
李寒穷        董事                         9            4           5             0           0否
时利众        董事                         9            3           5             1           0否
陈光华        董事                         6            2           3             1           0否
徐万茂        董事                         9            2           5             2           0否
戴志勇        董事                         9            3           5             1           0否
洪立峰        董事兼副行长                 9            4           5             0           0否
              董事兼副行长、
罗维开                                     9            4           5             0           0否
              财务负责人
陈永富        独立董事                     9            4           5             0           0否
王洛林        独立董事                     9            4           5             0           0否
李多森        独立董事                     9            4           5             0           0否
翁礼华        独立董事                     9            4           5             0           0否
韩子荣        独立董事                     9            4           5             0           0否
刘亚          独立董事                     9            4           5             0           0否
              董事、董事会秘
杨晨                                       9            4           5             0           0否
              书

年内召开董事会会议次数                                                                                        9
其中:现场会议次数                                                                                            4
通讯方式召开会议次数                                                                                          5
现场结合通讯方式召开会议次
                                                                                                              0





                                                                                                         7
                                                          宁波银行股份有限公司 2010 年年度报告摘要



§6 董事会报告

6.1 管理层讨论与分析

    1、公司主营业务范围
    公司主营业务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;提供保管箱服
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;金融衍生产品交易;经中国人民银行和中
国银行业监督管理委员会批准的其他业务。
     2、报告期内公司主营业务及其经营情况
    (1)贷款呆账准备金计提和核销的情况
                                                                            单位:(人民币)千元

           项目                    2010 年度               2009 年度               2008 年度

期初余额                           1,096,019                689,588                 468,276
本期计提                            365,801                 421,769                 256,402
本期收回                             1,735                       98                   426
其中:资产价值回升转回数             1,735                    98                      426
本期核销                            -70,311                 -14,669                 -35,516
已减值贷款利息回拨                  -13,208                 -19,833                    -
从预计负债转入                           -                     19,066                  -
折算差异                              -83                         -                 -
期末余额                          1,379,953                 1,096,019           689,588
    公司于资产负债表日对金融资产的账面价值进行检查,有客观证据表明该金融资产发生减值的,计提
减值准备。表明金融资产发生减值的客观证据,是指金融资产初始确认后实际发生的、对该金融资产的预
计未来现金流量有影响,且企业能够对该影响进行可靠计量的事项。
    如果有客观证据表明该金融资产发生减值,则将该金融资产的账面价值减记至预计未来现金流量(不
包括尚未发生的未来信用损失)现值,减记金额计入当期损益。预计未来现金流量现值,按照该金融资产
原实际利率折现确定,并考虑相关担保物的价值。
    对单项金额重大的金融资产单独进行减值测试,如有客观证据表明其已发生减值,确认减值损失,计
入当期损益。对单项金额不重大的金融资产,包括在具有类似信用风险特征的金融资产组合中进行减值测
试。单独测试未发生减值的金融资产(包括单项金额重大和不重大的金融资产),包括在具有类似信用风险
特征的金融资产组合中再进行减值测试。已单项确认减值损失的金融资产,不包括在具有类似信用风险特
征的金融资产组合中进行减值测试。
    公司对以摊余成本计量的金融资产确认减值损失后,如有客观证据表明该金融资产价值已恢复,且客
观上与确认该损失后发生的事项有关,原确认的减值损失予以转回,计入当期损益。但是,该转回后的账


                                                                                                8
                                                                宁波银行股份有限公司 2010 年年度报告摘要



面价值不超过假定不计提减值准备情况下该金融资产在转回日的摊余成本。


    (2)表内外应收利息及坏账准备情况

                                                                                  单位:(人民币)千元
       项目               期初余额        本期增减        期末余额        坏帐准备余额        计提方法

表内应收利息              477,101         122,288         599,389             0.00            个别认定

贷款表外应收利息          81,876           11,899          93,775             0.00               -

    (3)营业总收入构成变动情况
                                                                              单位:(人民币)千元
                            2010 年 1-12 月         2009 年 1-12 月               期间变动
项目
                             余额       占比          余额        占比        金额      占比(百分点)
利息收入                  9,071,827     90.92%      5,382,437    88.62%     3,689,390          2.30
其中:贷款利息收入        5,634,027     56.47%      4,022,543    66.23%     1,611,484          -9.76
  拆放同业利息收入          14,438      0.14%        31,434       0.52%       -16,996          -0.37
  存放央行款项利息收入     299,218      3.00%        194,575      3.20%       104,643          -0.20
  存放同业利息收入         136,073      1.36%        167,167      2.75%       -31,094          -1.39
  债券投资利息收入         619,736      6.21%        609,841     10.04%        9,895           -3.83
  买入返售金融资产        1,499,143     15.02%       193,449      3.19%     1,305,694          11.84
  理财产品                 853,335      8.55%        143,192      2.36%       710,143          6.19
  其他收入                  15,857      0.16%        20,236       0.33%       -4,379           -0.17
手续费及佣金收入           597,143      5.98%        521,119      8.58%       76,024           -2.60
其他业务收入               225,842      2.26%        15,578       0.26%       210,264          2.01
投资收益                   -32,432      -0.33%       14,790       0.24%       -47,222          -0.57
公允价值变动收益           -104,339     -1.05%       37,611       0.62%      -141,950          -1.66
汇兑收益                   219,699      2.20%        102,106      1.68%       117,593          0.52
合计                      9,977,740    100.00%      6,073,641    100.00%    3,904,099            -


    (4)抵债资产的情况
                                                                                  单位:(人民币)千元

               项目                   2010 年 12 月 31 日金额            2010 年 12 月 31 日跌价准备

             抵债资产                        121,258                                 -2,063


    (5)存款结构平均余额和平均利率情况
                                                                                       单位:人民币千元




                                                                                                         9
                                                                  宁波银行股份有限公司 2010 年年度报告摘要



                     项目                       日平均余额                   平均存款利率

      企业活期存款                              52,342,910                      0.62%
      企业定期存款                              49,815,079                      2.20%
      储蓄活期存款                               8,839,199                      0.36%
      储蓄定期存款                              18,522,850                      2.00%
                合计
                                                129,520,039                     1.41%
注:企业活期存款中包括企业协定存款。

    (6)主要贷款日均余额及平均利率
                                                                                      单位:人民币千元
              项目                              日平均余额                        平均年利率
一年以内短期贷款                                60,783,314                           6.10%
中长期贷款                                      25,413,008                           5.58%
            合计                                86,196,323                           5.95%
注:一年以内短期贷款不包括贴现和垫款。


    (7)报告期末所持金融债券的类别和金额

                                                                                        单位:(人民币)千元
                       项目                                       面值
       政府债券                                                15,064,750
       金融机构债券                                             1,393,220
       央行票据                                                  153,680
                       合计                                    16,611,650



    (8)报告期末所持的重大金融债券
                                                                                   单位:(人民币)千元
             债券种类                    面值余额              到期日                   利率%

    2010 年记帐式国债                    3,718,000    2013-3-18~2020-12-16       2.23~3.83
    2008 年记帐式国债                    2,620,000    2011-4-14~2038-10-23       1.77~4.94
    2007 年记帐式国债                    2,540,000    2012-4-23~2037-5-17        2.93~4.52
    2009 年记帐式国债                    1,440,000    2012-5-21~2059-11-30       1.55~4.30
    2008 年金融债券                      1,013,220    2011-12-5~2018-7-3         2.15~8.00
    2004 年记帐式国债                     850,000     2011-5-25~2014-8-10        4.71~4.89
    2002 年记帐式国债                     800,000     2012-3-18~2032-5-24        2.70~2.90
    2006 年记帐式国债                     780,000     2011-5-16~2026-6-26        2.40~3.70
    2003 年记帐式国债                     530,000     2013-4-9~2018-10-24        2.80~4.18

    (9)报告期末所持的衍生金融工具

                                                                                        单位:(人民币)千元
                                                       2010 年 12 月 31 日
    衍生金融工具
                              合约/名义金额          资产公允价值                 负债公允价值



                                                                                                       10
                                                                  宁波银行股份有限公司 2010 年年度报告摘要



         外汇远期           9,707,667                  53,519                         58,280
         货币掉期          41,956,437                 471,486                        507,464
         利率互换          35,548,210                1,724,551                      1,680,260
           合计            87,212,314                2,249,556                      2,246,004

    报告期内,公司为交易使用下述衍生金融工具:
    互换合同:互换合同是指在约定期限内交换现金流的承诺。公司主要包括利率互换和货币利率互换。
    利率互换合同是指在约定期限内,交易双方按照约定的利率向对方支付利息的交易。互换双方按同货
币同金额以固定利率换得浮动利率或一种浮动利率换另一种浮动利率,到期互以约定的利率支付对方利
息。
    货币利率互换是以不同的货币不同的利率进行交换,合约到期时本金换回的交易。
    远期合同:远期合同是指在未来某日,以特定价格购置或出售一项金融产品。
    资产负债表日各种衍生金融工具的名义金额仅提供了一个与表内所确认的公允价值资产或负债的对
比基础,并不代表所涉及的未来现金流量或当前公允价值,因而也不能反映公司所面临的信用风险或市场
风险。随着与衍生金融产品合约条款相关的外汇汇率、市场利率的波动,衍生金融产品的估值可能产生对
银行有利(资产)或不利(负债)的影响,这些影响可能在不同期间有较大的波动。


    (10)对经营成果造成重大影响的表外项目余额
                                                                                    单位:(人民币)千元

                  项目             2010 年 12 月 31 日    2009 年 12 月 31 日       2008 年 12 月 31 日
1、主要表外风险资产
       开出信用证                      3,809,240                 2,519,713               1,323,408
       银行承兑汇票                   26,110,367               18,400,294               11,659,781
       开出保函                        1,231,573                  677,306                 513,841
       贷款承诺及其他                 16,569,284               14,351,226               10,454,653
       国库券承兑承诺                  1,304,477                 1,379,357               1,449,190
2、资本性支出承诺                       312,365                   682,483                  81,003
3、经营性租赁承诺                       691,578                   570,844                 475,092
4、对外资产质押承诺                    6,860,000                 6,200,120              12,180,000

    (11)资产构成变动
                                                                                    单位:(人民币)千元

                           2010 年 12 月 31 日       2009 年 12 月 31 日              期间变动
 项目                                                                                     占比(百分
                         金额           占比       金额             占比       金额
                                                                                          点)
现金及存放中央银行款项   31,560,555     11.99%     21,106,693       12.92%     10,453,862       -0.93
存放同业款项             7,996,156      3.04%      8,818,769        5.40%        -822,613            -2.36
拆出资金                 300,000        0.11%      536,550          0.33%        -236,550            -0.22
交易性金融资产           353,292        0.13%      622,410          0.38%        -269,118            -0.25




                                                                                                        11
                                                                宁波银行股份有限公司 2010 年年度报告摘要



衍生金融资产              2,249,556     0.85%     1,029,475       0.63%       1,220,081             0.22
买入返售金融资产          83,021,547    31.53%    8,227,171       5.04%      74,794,376            26.49
应收利息                  599,389       0.23%     477,101         0.29%          122,288           -0.06
发放贷款及垫款            100,194,454   38.06%    80,767,830      49.44%     19,426,624           -11.38
可供出售金融资产          4,324,763     1.64%     1,814,759       1.11%       2,510,004             0.53
持有至到期投资            9,838,342     3.74%     11,735,107      7.18%      -1,896,765            -3.44
应收款项类投资            19,316,538    7.34%     25,628,004      15.69%     -6,311,466            -8.35
长期股权投资              13,250        0.01%     13,250          0.01%                 0           0.00
投资性房地产              224,136       0.09%     456,072         0.28%        -231,936            -0.19
固定资产                  1,281,221     0.49%     926,723         0.57%          354,498           -0.08
无形资产                  92,224        0.04%     97,887          0.06%           -5,663           -0.02
递延所得税资产            644,549       0.24%     314,631         0.19%          329,918            0.05
其他资产                  1,264,360     0.48%     779,434         0.48%          484,926            0.00
资产总计                  263,274,332   100.00%   163,351,866     100.00%    99,922,466             0.00


     (12)现金流量情况说明
     ①现金及现金等价物
                                                                                  单位:(人民币)千元

                     项   目                                 年末余额                  年初余额

(1)现金                                                   8,488,591                 9,228,438

其中:库存现金                                                580,527                  453,564

       活期存放同业款项                                     1,971,483                 1,392,370

       可用于支付的存放中央银行款项                         5,936,581                 7,382,504

(2)现金等价物                                             75,284,465                6,370,500

       三个月内到期的存放同业款项                           2,154,877                 3,600,000

       三个月内到期的拆放同业款项                             300,000                       -

       三个月内到期的买入返售证券                           72,829,588                2,770,500

(3)年末现金及现金等价物余额                               83,773,056                15,598,938


     ②收到其他与经营活动有关的现金
                                                                                  单位:(人民币)千元

                     项目                                  本年金额                  上年金额
租金收入                                                    11,438                     14,754

其他收入                                                    10,733                     15,569

合   计                                                     22,171                     30,323


     ③支付其他与经营活动有关的现金
                                                                                  单位:(人民币)千元



                                                                                                     12
                                                                  宁波银行股份有限公司 2010 年年度报告摘要



                         项   目                             本年金额                    上年金额
暂付待结算清算款                                              25,281                     115,122
业务宣传及广告费                                              88,678                      79,111
业务招待费                                                   272,786                     145,541
办公及管理费                                                 314,089                     351,314
合   计                                                      700,834                     691,088

     (13)公允价值计量情况
                                                                                     单位:(人民币)千元

               项目            期初金额    本期公允价   计入权益的累计      本期计       期末金额
                                           值变动损益     公允价值变动      提的减
                                                                              值
     金融资产
     其中:
     1、以公允价值计量且
     其变动计入当期损益        622,410       2,904            0                0          353,292
     的金融资产*
     2、衍生金融资产          1,029,475    1,220,081          0                0         2,249,556
     3、可供出售金融资产      1,814,759        0           -108,824            0         4,324,763
     金融资产小计             3,466,644    1,222,985       -108,824            0         6,927,611

     4、金融负债              -1,028,347   -1,217,657         0                0        -2,246,004
     5、投资性房地产           456,072      -109,666          0                0          224,136
     6、生产性生物资产            0             0             0                0             0
     7、其他                       0           0              0                0              0
*注:不包括衍生金融资产

     关于公司公允价值计量的说明
     ⑴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性金融资产,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。交易性金融资产包括为在短期内出售而持
有的金融资产和衍生金融工具。这类金融资产在持有期间将取得的收益和期末以公允价值计量的公允价值
变动计入当期投资损益。处置时,其公允价值与初始入账金额之间的差额确认为投资收益,同时调整公允
价值变动损益。
     ⑵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。可供出售金融资产的公允价值变动所带来的未实现损益,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。与可供出售金融资产相关的利息收
入计入当期损益。



                                                                                                       13
                                                               宁波银行股份有限公司 2010 年年度报告摘要



     ⑶公司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性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。交易性金融负债包括为交易而持有的金融
 负债和衍生金融工具。这类金融负债按以公允价值作为初始确认金额相关费用计入当期损益;持有期间将
 支付的成本和期末按公允价值计量的所有公允价值的变动均计入当期损益。处置时,其公允价值与初始入
 账金额之间的差额确认为投资收益,同时调整公允价值变动损益。
     ⑷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。公司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,故公司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,公允价值大于账面价值的,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。


     (14)外币金融资产情况
                                                                                 单位:(人民币)千元
                                             本期公允价   计入权益的累计公     本期计提
           项目               期初金额                                                      期末金额
                                             值变动损益     允价值变动           的减值
金融资产
       1、衍生金融资产           18,351          78,184                    0             0       96,535
       2、贷款和应收款        1,521,052               0                    0             0   2,413,812
       3、可供出售金融资产               0            0                    0             0                0
       4、持有至到期投资                 0            0                    0             0                0
金融资产小计                  1,539,403          78,184                                      2,510,347


金融负债                        -17,566         -77,953                    0             0      -95,509



     (15)会计报表中变动超过 30%以上项目及原因
                                                                                 单位:(人民币)千元
               项目            2010 年 12 月 31 日    较年初变动    原因
 现金及存放中央银行款项                  31,560,555        49.53%   存放中央银行款项增加
 拆出资金                                   300,000       -44.09%   同业拆出资金减少
 交易性金融资产                             353,292       -43.24%   交易性金融资产业务减少
 衍生金融资产                             2,249,556       118.51%   衍生金融资产增加
 买入返售金融资产                        83,021,547       909.11%   买入返售金融资产增加
 可供出售金融资产                         4,324,763       138.31%   可供出售金融资产增加
 投资性房地产                               224,136       -50.86%   投资性房地产处置
 固定资产                                 1,281,221        38.25%   总部大楼投入使用
 递延所得税资产                             644,549       104.86%   递延所得税资产增加
 其他资产                                 1,264,360        62.22%   其他资产增加
 同业及其他金融机构存放款项               7,368,045       -60.94%   同业存放款项减少
 衍生金融负债                             2,246,004       118.41%   衍生金融负债增加


                                                                                                    14
                                                             宁波银行股份有限公司 2010 年年度报告摘要



卖出回购金融资产款                     72,772,019      946.69%    卖出回购金融资产款增加
吸收存款                              145,827,979       31.67%    吸收存款增加
应交税费                                  360,344       33.35%    应缴税费增加
应付利息                                1,107,076       64.86%    应付利息增加
应付债券                                7,467,900       50.22%    发行次级债券
递延所得税负债                            592,441       88.12%    递延所得税负债增加
资本公积                                7,827,055      100.79%    非公开发行导致股本溢价
盈余公积                                  754,137       44.49%    法定盈余公积增加
一般风险准备                              971,054       73.97%    一般风险准备增加
未分配利润                              3,440,572       51.99%    本年利润增加


             项目              2010 年 1-12 月      较去年变动    原因
利息收入                            9,071,827           68.54%    贷款利息收入增加
利息支出                           (3,957,260)         116.42%    存款利息支出增加
手续费及佣金支出                    (108,562)           55.98%    手续费及佣金支出增加
投资收益                            (32,432)          -319.29%    投资收益减少
公允价值变动收益                    (104,339)        -377.42%     公允价值变动收益减少
汇兑收益                             219,699         115.17%      汇兑收益增加
营业税金及附加                      (366,365)         34.46%      营业收入增加
业务及管理费用                     (2,255,003)        30.53%      业务及管理费用增加
营业外收入                           178,126         1019.24%     营业外收入增加
营业外支出                          (12,550)         -33.84%      营业外支出减少
所得税费用                          (626,018)        114.19%      所得税费用增加

   (16)贷款行业、地区和客户集中度分析
   ①报告期末,公司贷款按行业划分占比情况
                                                                                  单位:(人民币)千元
                                                                             2010 年
行业
                                                                 金额                   比例
农、林、牧、渔业                                                        198,967                 0.20%
采矿业                                                                  87,731                  0.09%
制造业                                                            26,580,898                   26.17%
电力、燃气及水的生产和供应业                                            879,330                 0.87%
建筑业                                                             2,264,320                    2.23%
交通运输、仓储及邮政业                                             2,072,003                    2.04%
信息传输、计算机服务和软件业                                            499,830                 0.49%
商业贸易业                                                        13,853,059                   13.64%
住宿和餐饮业                                                            830,658                 0.82%
金融业                                                                  146,348                 0.14%
房地产业                                                           9,704,402                    9.55%
租赁和商务服务业                                                  10,195,439                   10.04%
科学研究、技术服务和地质勘察业                                                                  0.09%
                                                                        94,977
水利、环境和公共设施管理和投资业                                   6,003,764                    5.91%
居民服务和其他服务业                                                    276,564                 0.27%
教育                                                                    528,150                 0.52%



                                                                                                   15
                                                       宁波银行股份有限公司 2010 年年度报告摘要



卫生、社会保障和社会福利业                                     168,030                    0.17%
文化、体育和娱乐业                                             121,243                    0.12%
公共管理和社会组织                                             688,500                    0.68%
单位卡                                                            307                     0.00%
合计                                                        75,194,520                 74.03%

   ②报告期末,公司贷款按地区划分占比情况
                                                                          单位:(人民币)千元
                                                              年末数
                            地区
                                                    金额                   比例
         北京市                                    487,513                 0.48%
         上海市                                  9,970,391                 9.82%
         浙江省                                  72,541,918               71.42%
         其中:宁波市                            63,189,969               62.21%
         江苏省                                  14,199,150               13.98%
         广东省                                  4,375,435                 4.31%
         贷款和垫款总额                         101,574,407              100.00%

   ③报告期末,公司贷款按担保方式划分占比情况
                                                                          单位:(人民币)千元
                                                              年末数
                          担保方式
                                                    金额                   比例
         信用贷款                                20,769,486               20.45%
         保证贷款                                29,927,877               29.46%
         抵押贷款                                47,210,378               46.48%
         质押贷款                                3,666,666                 3.61%
         贷款和垫款总额                         101,574,407              100.00%

   ④报告期末,公司最大十家客户贷款情况
                                                                          单位:(人民币)千元
                     所属行业                   贷款余额                 占资本净额比例
租赁和商务服务业                                 500,000                     2.48%
房地产业                                         354,000                     1.76%
交通运输、仓储和邮政业                           350,000                     1.74%
房地产业                                         350,000                     1.74%
租赁和商务服务业                                 350,000                     1.74%
租赁和商务服务业                                 350,000                     1.74%
租赁和商务服务业                                 337,950                     1.68%
批发和零售业                                     322,713                     1.60%
租赁和商务服务业                                 300,000                     1.49%
水利、环境和公共设施管理业                       300,000                     1.49%
                       合计                     3,514,663                    17.43%
                     资本净额                                  20,163,883

   3、各层级分支机构数量和地区分布情况




                                                                                             16
                                                                    宁波银行股份有限公司 2010 年年度报告摘要



                                                                   机构   员工数
序号       机构名称                  营业地址                                         资产规模(千元)
                                                                   数     (人)
1         总行        宁波市鄞州区宁南南路 700 号                  1        895           53,244,978
2         上海分行    上海市黄浦区南京西路 128 号永新广场
                                                                    7       336           22,035,581
                      1-5 层
3         杭州分行    杭州市西湖区保俶路 146 号                     4       250           11,463,845
4         南京分行    南京市鼓楼区汉中路 120 号青华大厦             3       199           15,037,279
5         深圳分行    深圳市福田区福华三路中心区东南部时代
                                                                    2       159           45,512,566
                      财富大厦一层 D、二层全层、三层 B 号
6         苏州分行    苏州市沧浪区干将东路 749 号永鼎大厦           2       160           31,879,231
7         温州分行    温州市鹿城区南浦路 260 号                     1       51             1,802,641
8         北京分行    北京市东城区建国门内大街 28 号 B 座 1、2、
                                                                    1        52            1,418,874
                      3、4 层
9         海曙支行    宁波市海曙区解放南路 135 号                   4       91             2,984,014
10        江东支行    宁波市江东区中山东路 466 号                   5       136            7,072,552
11        江北支行    宁波市江北区人民路 270 号                     6       113            6,580,549
12        湖东支行    宁波市海曙区广济街 4 号                       2       69             3,886,022
13        西门支行    宁波市海曙区中山西路 197 号                   5       82             3,499,486
14        东门支行    宁波市江东区百丈东路 868 号                   4       79             2,109,823
15        天源支行    宁波市海曙区柳汀街 230 号                     3       73             2,412,947
16        灵桥支行    宁波市江东区彩虹南路 275 号                   3       62             2,308,228
17        国家高新    宁波市高新区江南路 651-655 号
                                                                    4        83            2,782,417
          区支行
18        四明支行    宁波市海曙区蓝天路 9 号                       4       90             6,133,529
19        明州支行    宁波市鄞州区嵩江中路 199 号                   7       123            4,819,015
20        北仑支行    宁波市北仑新碶镇明州路 221 号                 4       94             4,118,212
21        镇海支行    宁波市镇海车站路 18 号                        3       89             3,313,041
22        鄞州支行    宁波市鄞州区钟公庙街道四明中路 666 号         6       130            5,152,363
23        宁海支行    宁波市宁海县桃源街道时代大道 158 号           4       103            3,414,906
24        余姚支行    宁波余姚市阳明西路 28 号                      4       116            4,604,437
25        新建支行    宁波余市姚阳明西路 340-348 号                 4       82             2,159,763
26        慈溪支行    宁波慈溪市慈甬路 207 号                       5       125            5,015,834
27        城东支行    宁波慈溪市新城大道 483-495 号                 3       92             2,979,409
28        象山支行    宁波象山县丹城靖南路 274 号                   1       49             2,754,986
29        奉化支行    宁波奉化市中山路 16 号                        3       74             2,777,804
合计                                                                        4057         263,274,332

       4、经营环境及宏观政策的变化及影响
       根据内外部环境分析,下一步我国银行业可能会有以下一些较为明显的变化:一是全球金融危机之后,
中国经济周期波动呈现短期化倾向,国家货币政策决策及宏观经济政策亦随之出现高频化、短期化的调整,
银行业经营环境面临诸多不确定性。二是金融脱媒现象日趋明显,传统的依赖信贷增长的单一盈利模式难
以为继。三是监管要求更趋严格,市场准入的限制使以机构扩张带动业务发展的模式面临困境;并且,随
着 BaselⅢ的加快推进,资本约束将成为常态,银行盈利会减少,传统粗放式增长模式将难以为继。四是
银行竞争格局将发生变化,缺乏核心竞争力的中小银行可能会面临市场的重新洗牌。
       总体而言,尽管银行业竞争日趋激烈,但由于我国经济发展基础良好,银行业仍处于较好的发展机遇



                                                                                                         17
                                                            宁波银行股份有限公司 2010 年年度报告摘要



期。特别是“十二五”期间,政府将加快产业结构调整和经济转型步伐,扩大内需、扶持中小企业发展的
相关政策会陆续出台,从而为银行业务转型和发展提供了更好的金融生态环境和广阔的发展空间。与同业
相比,公司虽然规模较小,而且目前正在实施战略转型,还处在成本投入期,但是只要发挥公司特有优势,
提高核心竞争力,就一定能够把握发展机遇,实现持续发展。
    公司竞争力主要体现在以下几方面:一是业务结构看,五大利润中心体系逐步清晰,银行核心竞争力
正在起步。公司银行、零售公司、个人银行、金融市场、信用卡五大利润中心的多元化业务增长模式初步
形成,并且在市场上各自都有具备一定竞争力的核心产品。二是从机构布局看,长三角一线城市的分行布
局基本完成,深圳、北京两家分行南北呼应,“一体两翼”发展格局初显雏形;各区域分行融入当地市场,
业务结构较为全面,业务经营稳健合规,业务总量在同类银行中位居前列,初步得到客户和监管部门认可。
三是从资本充足情况来看,报告期内,公司通过非公开发行和次级债的发行,及时补充了发展所需的核心
资本和附属资本,资本充足率达到 16.2%,为业务可持续发展提供了资本保障。四是从风险管理看,公司
有完善的风险管理体系。总分两个层面都设有风险管理委员会,管理架构、职责体系明确清晰,绩效核算
和管理体系科学,能够有效支撑公司战略的实施;全体员工具有风险合规意识,合规成为自觉的行动。五
是从企业文化看,有科学的绩效考评体系,保证公司战略和文化能够落实到每个员工的考评体系中;有完
整的人才培养体系,使银行在业务发展中有足够的人才保证;有高效的管理,形成有凝聚力、战斗力的团
队和公正、公平的机制;有良好的精神风貌,敬业、诚信、激情、奉献、进取,在每个员工中都有体现。



6.2 主营业务分行业、产品情况表

                                                                                        单位:万元
                                      主营业务分产品情况
                                                        营业收入比 营业成本比 毛利率比上年
   分行业或产品       营业收入   营业成本      毛利率
                                                          上年增减   上年增减     增减
利息收入              907,182.70  395,726.00     56.38%       68.54%   116.42%      -9.65%
手续费收入             59,714.30   10,856.20     81.82%       14.59%     55.98%     -4.82%
投资收益                -3,243.2                            -319.29%
汇兑损益                21,969.9                             115.17%
注:无法计算投资收益、汇兑损益项目的成本。

6.3 主营业务分地区情况

                                                                                     单位:万元
                    地区                         营业收入                  营业收入比上年增减
宁波地区                                                    428,810.70                     26.94%
上海地区                                                     48,896.80                     65.45%
其他地区                                                    113,484.40                   126.25%
合计                                                        591,191.90                     41.59%

6.4 采用公允价值计量的项目

√ 适用 □ 不适用


                                                                                                 18
                                                                      宁波银行股份有限公司 2010 年年度报告摘要



                                                                                                       单位:千元
                                                              计入权益的累
                                             本期公允价值                        本期计提的减
          项目               期初金额                         计公允价值变                             期末金额
                                               变动损益                              值
                                                                  动
金融资产:
其中:1.以公允价值计量
且其变动计入当期损益            1,651,885         1,222,985                 0                 0             2,602,848
的金融资产
     其中:衍生金融资产          1,029,475        1,220,081                  0                0             2,249,556
     2.可供出售金融资产          1,814,759                0           -108,824                0             4,324,763
金融资产小计                     3,466,644        1,222,985           -108,824                0             6,927,611
金融负债                        -1,028,347       -1,217,657                  0                0            -2,246,004
投资性房地产                       456,072         -109,666                  0                0               224,136
生产性生物资产                           0                0                  0                0                     0
其他                                     0                0                  0                0                     0
合计                             2,894,369         -104,338           -108,824                0             4,905,743

6.5 募集资金使用情况对照表

√ 适用 □ 不适用
                                                                                                       单位:万元
          募集资金总额                        437,598.52
报告期内变更用途的募集资金总                                本年度投入募集资金总额                         437,598.52
                                                    0.00
              额
  累计变更用途的募集资金总额                        0.00
累计变更用途的募集资金总额比                                已累计投入募集资金总额                         437,598.52
                                                  0.00%
              例
                    是否                              截至
                           募集                             截至期                                           项目可
                    已变                              期末                           是否
                           资金                             末投资 项目达到预 本年度                         行性是
承诺投资项目和超 更项               调整后投 本年度投 累计                           达到
                           承诺                               进度 定可使用状 实现的                         否发生
    募资金投向      目(含           资总额(1) 入金额 投入                            预计
                           投资                            (%)(3)= 态日期      效益                         重大变
                    部分                              金额                           效益
                           总额                             (2)/(1)                                            化
                    变更)                             (2)
    承诺投资项目
                          437,59    437,598.5 437,598.5 437,5
充实核心资本金      否                                        100.00%            -        -       是        否
                             8.52           2         2 98.52
                          437,59    437,598.5 437,598.5 437,5
承诺投资项目小计 -                                               -               -        -            -         -
                             8.52           2         2 98.52
    超募资金投向
归还银行贷款(如
                       -                                                         -        -            -         -
        有)
补充流动资金(如
                       -                                                         -        -            -         -
        有)
超募资金投向小计 -           0.00        0.00      0.00 0.00      -              -        -            -         -
                          437,59    437,598.5 437,598.5 437,5
        合计           -                                          -              -        -            -         -
                             8.52           2         2 98.52
未达到计划进度或
预计收益的情况和 不适用
原因(分具体项目)
项目可行性发生重 不适用



                                                                                                                     19
                                                                 宁波银行股份有限公司 2010 年年度报告摘要



大变化的情况说明
超募资金的金额、
用途及使用进展情 不适用
        况
募集资金投资项目
                  不适用
实施地点变更情况
募集资金投资项目
                  不适用
实施方式调整情况
募集资金投资项目
先期投入及置换情 不适用
        况
用闲置募集资金暂
时补充流动资金情 不适用
        况
项目实施出现募集
资金结余的金额及 不适用
       原因
尚未使用的募集资
                  不适用
   金用途及去向
募集资金使用及披
露中存在的问题或 不适用
     其他情况
变更募集资金投资项目情况表
□ 适用 √ 不适用

6.6 非募集资金项目情况

□ 适用 √ 不适用

6.7 董事会对公司会计政策、会计估计变更或重大会计差错更正的原因及影响的说明

□ 适用 √ 不适用

6.8 董事会对会计师事务所“非标准审计报告”的说明

□ 适用 √ 不适用

6.9 董事会本次利润分配或资本公积金转增股本预案

    根据安永华明会计师事务所审定的 2010 年度会计报表,本公司 2010 年度实现净利润为 2,321,986 千
元,加上年未分配利润 2,263,672 千元,扣除 2009 年度应付普通股股利 500,000 千元,扣除提取的一般风险
准备金 412,886 千元,年末可供分配利润为 3,672,772 千元。根据上述情况,公司拟定 2010 年度利润预分
配方案如下:
    1、按 2009 度净利润的 10%提取法定公积金 232,200 千元;
    2、根据财政部《金融企业呆帐准备提取管理办法》(财金[2005]49 号)规定,按表内外风险资产 1%
差额提取一般准备金 273,793 千元;
    3、以 2010 年度 2,883,820,529 股为基数,每 10 股派发现金红利 2 元(含税),累计分配现金红利 576,764
千元;
    4、本年度不送股、不转增股本。
    上述分配方案执行后,结余未分配利润为 2,590,015 千元。


                                                                                                      20
                                                           宁波银行股份有限公司 2010 年年度报告摘要




公司最近三年现金分红情况表
                                                                                       单位:千元
                                      分红年度合并报表中 占合并报表中归属于
     分红年度     现金分红金额(含税)归属于上市公司股东 上市公司股东的净利      年度可分配利润
                                          的净利润           润的比率
      2009 年                 500,000           1,457,446            34.31%                1,350,786
      2008 年                 500,000           1,331,737            37.54%                1,270,164
      2007 年                 500,000             951,073            52.57%                  422,407
  最近三年累计现金分红金额占最近年均净利润的比例(%)                                        40.10%
公司本报告期内盈利但未提出现金利润分配预案
□ 适用 √ 不适用

§7 重要事项

7.1 收购资产

□ 适用 √ 不适用

7.2 出售资产

□ 适用 √ 不适用

7.3 重大担保

□ 适用 √ 不适用

7.4 重大关联交易

7.4.1 与日常经营相关的关联交易

□ 适用 √ 不适用

7.4.2 关联债权债务往来

□ 适用 √ 不适用

7.4.3 大股东及其附属企业非经营性资金占用及清偿情况表

□ 适用 √ 不适用

7.5 委托理财

□ 适用 √ 不适用

7.6 承诺事项履行情况

上市公司及其董事、监事和高级管理人员、公司持股 5%以上股东及其实际控制人等有关方在报告期内或
持续到报告期内的以下承诺事项


                                                                                                21
                                                              宁波银行股份有限公司 2010 年年度报告摘要



√ 适用 □ 不适用
           承诺事项              承诺人        承诺内容                    履行情况
股改承诺                     -             -                  -
收购报告书或权益变动报告书中
                             -             -                  -
所作承诺
重大资产重组时所作承诺       -             -                  -
                             宁波市财政
                             局、华侨银行、
                             宁波杉杉股份 自公司股票在深圳 限售期内,上述承诺得到严格履行。
                             有限公司、雅 证券交易所上市交 上述限售股份上市流通日为 2010 年 7
                             戈尔集团股份 易之日起 36 个月内,月 19 日,2010 年 7 月 19 日,上述股
                             有限公司、宁 不转让或者委托他 东持有的 1,415,000,000 限售股份上市
发行时所作承诺
                             波富邦控股集 人管理其直接和间 流通。详细情况可查阅公司于 2010
                             团有限公司、 接持有的公司股份, 年 7 月 15 日在指定媒体披露的《宁波
                             宁波市电力开 也不由公司收购该 银行股份有限公司限售股份上市流通
                             发公司和华茂 部分股份            提示性公告》。
                             集团股份有限
                             公司
                             宁波市电力开
                             发公司、新加
                             坡华侨银行有
                             限公司、雅戈
                                           自发行结束之日起,
                             尔集团股份有
非公开发行认购对象承诺                     三十六个月内不转 报告期末,上述承诺得到严格执行。
                             限公司、宁波
                                           让本次认购的股份。
                             富邦控股集团
                             有限公司、宁
                             波华茂集团股
                             份有限公司

7.7 重大诉讼仲裁事项

报告期内,公司作为原告的诉讼案件的标的金额为 23,958 万元,公司作为被告的诉讼案件的标的金额为 0
万元。

7.8 其他重大事项及其影响和解决方案的分析说明

7.8.1 证券投资情况

√ 适用 □ 不适用
                                                                                        单位:千元
                                           初始投资                          占期末证
                                                      期末持有 期末账面值
序号     证券品种    证券代码   证券简称   金额(千                          券总投资 报告期损益
                                                      数量(股) (千元)
                                             元)                            比例 (%)
  1    股票          600830    香溢融通        89,221   750,000        8,250   100.00%          0.00
           期末持有的其他证券投资                0.00     -             0.00      0.00%         0.00
         报告期已出售证券投资损益              -          -          -           -              0.00
                   合计                        89,221     -            8,250       100%         0.00




                                                                                                   22
                                                             宁波银行股份有限公司 2010 年年度报告摘要



7.8.2 持有其他上市公司股权情况

□ 适用 √ 不适用

7.8.3 持有拟上市公司及非上市金融企业股权情况

□ 适用 √ 不适用

7.8.4 买卖其他上市公司股份的情况

□ 适用 √ 不适用

7.8.5 其他综合收益细目

                                                                                       单位:千元
                    项目                            本期发生额                   上期发生额
1.可供出售金融资产产生的利得(损失)金额                        -84,422                     -27,289
减:可供出售金融资产产生的所得税影响                             -21,106                      -6,822
前期计入其他综合收益当期转入损益的净额                                 0                           0
小计                                                             -63,316                     -20,467
2.按照权益法核算的在被投资单位其他综合收
                                                                      0                                 0
益中所享有的份额
减:按照权益法核算的在被投资单位其他综合收
                                                                      0                                 0
益中所享有的份额产生的所得税影响
前期计入其他综合收益当期转入损益的净额                                0                                 0
小计                                                                  0                                 0
3.现金流量套期工具产生的利得(或损失)金
                                                                      0                                 0

减:现金流量套期工具产生的所得税影响                                  0                                 0
前期计入其他综合收益当期转入损益的净额                                0                                 0
转为被套期项目初始确认金额的调整额                                    0                                 0
小计                                                                  0                                 0
4.外币财务报表折算差额                                               0                                 0
减:处置境外经营当期转入损益的净额                                    0                                 0
小计                                                                  0                                 0
5.其他                                                               0                                 0
减:由其他计入其他综合收益产生的所得税影响                            0                                 0
前期其他计入其他综合收益当期转入损益的净
                                                                      0                                 0

小计                                                                   0                             0
合计                                                             -63,316                       -20,467

§8 监事会报告

1、监事会会议情况
    报告期内监事会共召开了五次会议,其中四次例会,一次临时会议,具体情况如下:
    (1)2010 年 2 月 24 日,第三届监事会第九次会议在宁波召开,会议应到监事 6 名,实到 5 名。会议
审议通过了宁波银行股份有限公司监事会 2009 年工作总结和 2010 年工作计划的议案、宁波银行股份有限
公司 2009 年度监事会报告的议案、宁波银行股份有限公司 2009 年度报告的议案、关于续聘外部审计机构


                                                                                                  23
                                                              宁波银行股份有限公司 2010 年年度报告摘要



的议案、关于宁波银行股份有限公司 2009 年度利润分配预案的议案、关于陈雪峰副行长离任审计报告的
议案、宁波银行股份有限公司信息披露制度执行情况报告的议案、关于调整监事的议案、关于宁波银行股
份有限公司内部审计履职评价报告的议案、关于宁波银行股份有限公司 2009 年度内部控制自我评价报告
的议案、关于宁波银行股份有限公司监事会和监事 2009 年度履职评价报告的议案、关于宁波银行股份有
限公司 2009 年度董事会和董事履职评价报告的议案、关于宁波银行股份有限公司 2009 年度高级管理层和
高级管理人员绩效评价报告。
    (2)2010 年 4 月 28 日,第三届监事会 2010 年第一次临时会议以通讯方式召开,会议应表决监事 7
名,实际表决监事实到 7 名。会议审议通过了《关于宁波银行股份有限公司 2010 年第一季度报告的议案》。
    (3)2010 年 8 月 26 日,第三届监事会第十次会议在宁波召开,会议应到监事 7 名,实到 7 名。会议
审议通过了《宁波银行股份有限公司 2010 年风险管理和风险控制情况的检查报告》的议案、关于修订宁
波银行股份有限公司《董事会和董事履职评价试行办法》、《监事会和监事履职评价试行办法》、《高级管理
层和高级管理人员绩效评价试行办法》的议案、《宁波银行股份有限公司 2009 年半年度报告》、关于增补
陈忠静先生为宁波银行股份有限公司第三届监事会审计委员会成员的议案。
    (4)2010 年 10 月 27 日,第三届监事会第十一次会议在宁波召开,会议应到监事 7 名,实到 6 名。
会议审议通过了关于《宁波银行股份有限公司 2009 年下半年和 2010 年上半年财务执行情况的检查报告》
的议案、关于《宁波银行股份有限公司 2010 年内部控制评价报告》的议案、关于《宁波银行股份有限公
司 2010 年第三季度报告》的议案。
    (5)2010 年 12 月 20 日,第三届监事会第十二次会议在宁波召开,会议应到监事 7 名,实到 6 名。
会议审议通过了关于《宁波银行股份有限公司 2010 年经营决策及执行情况的检查报告》的议案、关于《关
于宁波银行股份有限公司 2010 年流动性风险管理履职情况的评价报告》的议案、关于宁波银行股份有限
公司监事会换届选举的议案、关于提名陈忠静为宁波银行股份有限公司第四届监事会监事的议案、关于提
名许利明为宁波银行股份有限公司第四届监事会监事的议案、关于提名刘素英为宁波银行股份有限公司第
四届监事会外部监事的议案、关于提名张英芳为宁波银行股份有限公司第四届监事会外部监事的议案。

2、监事会就有关事项发表的独立意见
    (1)依法经营情况
    报告期内,公司的经营活动符合《公司法》、《商业银行法》和《公司章程》的规定,决策程序合法有
效。没有发现公司董事、高级管理层执行公司职务时有违反法律法规、《公司章程》或损害公司及股东利
益的行为。
    (2)财务报告的真实性
    公司 2010 年度财务报告已经安永华明会计师事务所、安永会计师事务所,分别根据国内和国际审计
准则,出具了标准无保留意见的审计报告。财务报告真实、客观、准确地反映了公司的财务状况和经营效
果。
    (3)募集资金使用情况
    报告期内,公司顺利完成了非公开发行项目,本次非公开发行的发行价格为 11.45 元/股,发行股数
383,820,529 股,募集资金总额 4,394,745,057.05 元,扣除本次发行相关费用 18,759,820.53 元后,实际募集
资金净额 4,375,985,236.52 元,全部用于补充资本金。
    (4)公司收购、出售资产情况
    报告期内,未发现公司收购、出售资产的交易中有损害股东权益或造成资产流失的行为。
    (5)关联交易情况
    报告期内,公司关联交易公平合理,没有发现损害本公司和股东利益的行为。
    (6)风险管理情况
    报告期内,公司不断改进风险管理组织架构,完善风险管理政策与流程,落实风险控制措施,加强内
控制度建设,进一步提升了风险管理水平。
    (7)内部控制制度情况
    报告期内,公司建立了较为完整、合理、有效的内部控制制度。
    (8)股东大会决议执行情况
    监事会对报告期内董事会提交股东大会审议的各项报告和提案没有异议。监事会对股东大会决议的执
行情况进行了监督,认为公司董事会认真履行了股东大会的有关决议。




                                                                                                   24
                                                           宁波银行股份有限公司 2010 年年度报告摘要



§9 财务报告

9.1 审计意见

财务报告             是
审计意见             标准无保留审计意见
审计报告编号         安永华明(2011)审字 60466992_B01号
审计报告标题                                          审计报告
审计报告收件人       宁波银行股份有限公司全体股东
                     我们审计了后附的宁波银行股份有限公司(“贵公司”)财务报表,包括 2010 年 12
引言段               月 31 日的资产负债表,2010 年度的利润表、股东权益变动表和现金流量表以及财
                     务报表附注。
                     按照企业会计准则的规定编制财务报表是贵公司管理层的责任。这种责任包括:(1)
管理层对财务报表的责
                     设计、实施和维护与财务报表编制相关的内部控制,以使财务报表不存在由于舞弊
任段
                     或错误而导致的重大错报;(2)选择和运用恰当的会计政策;(3)作出合理的会计估计。
                     我们的责任是在实施审计工作的基础上对财务报表发表审计意见。我们按照中国注
                     册会计师审计准则的规定执行了审计工作。中国注册会计师审计准则要求我们遵守
                     职业道德规范,计划和实施审计工作以对财务报表是否不存在重大错报获取合理保
                     证。

                     审计工作涉及实施审计程序,以获取有关财务报表金额和披露的审计证据。选择的
                     审计程序取决于注册会计师的判断,包括对由于舞弊或错误导致的财务报表重大错
                     报风险的评估。在进行风险评估时,我们考虑与财务报表编制相关的内部控制,以
                     设计恰当的审计程序。审计工作还包括评价管理层选用会计政策的恰当性和作出会
                     计估计的合理性,以及评价财务报表的总体列报。

                     我们相信,我们获取的审计证据是充分的、适当的,为发表审计意见提供了基础。


                     我们的责任是在实施审计工作的基础上对财务报表发表审计意见。我们按照中国注
                     册会计师审计准则的规定执行了审计工作。中国注册会计师审计准则要求我们遵守
                     职业道德规范,计划和实施审计工作以对财务报表是否不存在重大错报获取合理保
                     证。
注册会计师责任段
                     审计工作涉及实施审计程序,以获取有关财务报表金额和披露的审计证据。选择的
                     审计程序取决于注册会计师的判断,包括对由于舞弊或错误导致的财务报表重大错
                     报风险的评估。在进行风险评估时,我们考虑与财务报表编制相关的内部控制,以
                     设计恰当的审计程序。审计工作还包括评价管理层选用会计政策的恰当性和作出会
                     计估计的合理性,以及评价财务报表的总体列报。

                     我们相信,我们获取的审计证据是充分的、适当的,为发表审计意见提供了基础。


                     我们的责任是在实施审计工作的基础上对财务报表发表审计意见。我们按照中国注
                     册会计师审计准则的规定执行了审计工作。中国注册会计师审计准则要求我们遵守
                     职业道德规范,计划和实施审计工作以对财务报表是否不存在重大错报获取合理保
                     证。

                     审计工作涉及实施审计程序,以获取有关财务报表金额和披露的审计证据。选择的
                     审计程序取决于注册会计师的判断,包括对由于舞弊或错误导致的财务报表重大错
                     报风险的评估。在进行风险评估时,我们考虑与财务报表编制相关的内部控制,以



                                                                                                25
                                                             宁波银行股份有限公司 2010 年年度报告摘要



                     设计恰当的审计程序。审计工作还包括评价管理层选用会计政策的恰当性和作出会
                     计估计的合理性,以及评价财务报表的总体列报。

                     我们相信,我们获取的审计证据是充分的、适当的,为发表审计意见提供了基础。

                     我们认为,上述财务报表已经按照企业会计准则的规定编制,在所有重大方面公允
审计意见段           地反映了宁波银行股份有限公司 2010 年 12 月 31 日的财务状况以及 2010 年度的经
                     营成果和现金流量。
非标意见
审计机构名称         安永华明会计师事务所
审计机构地址         上海市世纪大道 100 号上海环球金融中心 50 楼
审计报告日期         2011 年 04 月 25 日
                                         注册会计师姓名
严盛炜、张路

9.2 财务报表

9.2.1 资产负债表

编制单位:宁波银行股份有限公司         2010 年 12 月 31 日                        单位:千元
            项目                          年末余额                            年初余额
资产:
现金及存放中央银行款项                    31,560,555                          21,106,693
存放同业款项                              7,996,156                           8,818,769
拆出资金                                   300,000                             536,550
交易性金融资产                             353,292                             622,410
衍生金融资产                              2,249,556                           1,029,475
买入返售金融资产                          83,021,547                          8,227,171
应收利息                                   599,389                             477,101
发放贷款及垫款                           100,194,454                          80,767,830
可供出售金融资产                          4,324,763                           1,814,759
持有至到期投资                            9,838,342                           11,735,107
应收款项类投资                            19,316,538                          25,628,004
长期股权投资                                13,250                              13,250
投资性房地产                               224,136                             456,072
固定资产                                  1,281,221                            926,723
无形资产                                    92,224                              97,887
递延所得税资产                             644,549                             314,631
其他资产                                  1,264,360                            779,434
资产合计                                 263,274,332                         163,351,866
负债:
同业及其他金融机构存放款项                7,368,045                           18,864,307
拆入资金                                  8,805,389                           9,035,021
衍生金融负债                              2,246,004                           1,028,347
卖出回购金融资产款                        72,772,019                          6,952,574
吸收存款                                 145,827,979                         110,752,461


                                                                                                  26
                                                   宁波银行股份有限公司 2010 年年度报告摘要



应付职工薪酬                      284,006                            121,367
应交税费                          360,344                            270,219
应付利息                          1,107,076                          671,544
应付债券                          7,467,900                         4,971,340
递延所得税负债                    592,441                            314,934
其他负债                          566,491                            627,769
负债小计                         247,397,693                       153,609,883
股东权益:
股本                              2,883,821                         2,500,000
资本公积                          7,827,055                         3,898,205
盈余公积                          754,137                            521,938
一般风险准备                      971,054                            558,168
未分配利润                        3,440,572                         2,263,672
股东权益小计                     15,876,639                         9,741,983
负债和所有者权益总计             263,274,332                       163,351,866

9.2.2 利润表

编制单位:宁波银行股份有限公司   2010 年 1-12 月                                单位:千元

               项目                   本期金额                         上期金额
一、营业收入                          5,911,918                        4,175,506
利息净收入                            5,114,567                        3,553,900
  利息收入                            9,071,827                        5,382,437
  利息支出                            3,957,260                        1,828,537
手续费及佣金净收入                    488,581                           451,521
  手续费及佣金收入                    597,143                           521,119
  手续费及佣金支出                    108,562                            69,598
投资收益                               -32,432                           14,790
公允价值变动收益                      -104,339                           37,611
汇兑收益                              219,699                           102,106
其他业务收入                          225,842                            15,578


二、营业支出                          3,129,491                        2,422,736
营业税金及附加                        366,365                           272,466
业务及管理费                          2,255,003                        1,727,595
资产减值损失                          365,801                           421,769
其他业务成本                          142,322                             906
                                          0
三、营业利润                          2,782,427                        1,752,770
加:营业外收入                        178,126                            15,915
减:营业外支出                         12,550                            18,970
                                          0
四、利润总额                          2,948,004                        1,749,715


                                                                                        27
                                                        宁波银行股份有限公司 2010 年年度报告摘要



减:所得税                               626,018                             292,269


五、净利润                              2,321,986                           1,457,446
六、每股收益:
    (一)基本每股收益                     0.91                                0.58
    (二)稀释每股收益                     0.91                                0.58
七、其他综合收益                         -63,316                             -20,467
八、综合收益总额                        2,258,670                           1,436,979
    归属于母公司所有者的综合收
                                        2,258,670                           1,436,979
益总额
    归属于少数股东的综合收益总
                                            0                                   0



9.2.3 现金流量表

编制单位:宁波银行股份有限公司       2010 年 1-12 月                             单位:千元
                      项目                             本期金额                上期金额
一、经营活动产生的现金流量:
    销售商品、提供劳务收到的现金                       23,503,973              52,715,626
    客户存款和同业存放款项净增加额                         0                          0
    向中央银行借款净增加额                                 0                          0
    向其他金融机构拆入资金净增加额                     61,391,075                     0
    收到原保险合同保费取得的现金                           0                          0
    收到再保险业务现金净额                                 0                          0
    保户储金及投资款净增加额                               0                          0
    处置交易性金融资产净增加额                             0                          0
    收取利息、手续费及佣金的现金                       8,143,598               5,025,257
    拆入资金净增加额                                       0                          0
    回购业务资金净增加额                                   0                          0
    收到的税费返还                                         0                          0
    收到其他与经营活动有关的现金                        22,171                   30,323
      经营活动现金流入小计                             93,060,817              57,771,206
    购买商品、接受劳务支付的现金                           0                          0
    客户贷款及垫款净增加额                             19,829,044              32,709,735
    存放中央银行和同业款项净增加额                     11,816,218              4,672,416
    支付原保险合同赔付款项的现金                           0                          0
    支付利息、手续费及佣金的现金                       3,540,812               1,738,779
    支付保单红利的现金                                     0                          0
    支付给职工以及为职工支付的现金                     1,074,436                884,921
    支付的各项税费                                      916,897                 448,054
    支付其他与经营活动有关的现金                        700,834                 775,382
      经营活动现金流出小计                             37,878,241              41,229,287
        经营活动产生的现金流量净额                     55,182,576              16,541,919



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                                                          宁波银行股份有限公司 2010 年年度报告摘要



二、投资活动产生的现金流量:
       收回投资收到的现金                               453,852,133              86,508,675
       取得投资收益收到的现金                            1,346,903                660,906
       处置固定资产、无形资产和其他长期资产收回的现金
                                                            0                        0
净额
       处置子公司及其他营业单位收到的现金净额               0                        0
       收到其他与投资活动有关的现金                      411,447                    258
         投资活动现金流入小计                           455,610,483              87,169,839
       购建固定资产、无形资产和其他长期资产支付的现金    1,022,679                588,801
       投资支付的现金                                   447,799,498             109,314,442
       质押贷款净增加额                                     0                        0
       取得子公司及其他营业单位支付的现金净额               0                        0
       支付其他与投资活动有关的现金                         0                        0
         投资活动现金流出小计                           448,822,177             109,903,243
           投资活动产生的现金流量净额                    6,788,306              -22,733,404
  三、筹资活动产生的现金流量:
       吸收投资收到的现金                                4,375,985                   0
       其中:子公司吸收少数股东投资收到的现金               0                        0
       取得借款收到的现金                                   0                        0
       发行债券收到的现金                                2,490,000               4,970,000
       收到其他与筹资活动有关的现金                         0                        0
         筹资活动现金流入小计                            6,865,985               4,970,000
       偿还债务支付的现金                                   0                        0
       分配股利、利润或偿付利息支付的现金                652,500                  500,000
       其中:子公司支付给少数股东的股利、利润               0                        0
       支付其他与筹资活动有关的现金                         0                        0
         筹资活动现金流出小计                            652,500                  500,000
           筹资活动产生的现金流量净额                    6,213,485               4,470,000
四、汇率变动对现金及现金等价物的影响                      -10,249                  30,785
五、现金及现金等价物净增加额                            68,174,118               -1,690,700
       加:期初现金及现金等价物余额                     15,598,938               17,289,638
六、期末现金及现金等价物余额                            83,773,056               15,598,938




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                                                                                                                           宁波银行股份有限公司 2010 年年度报告摘要




9.2.4 所有者权益变动表

编制单位:宁波银行股份有限公司                                                 2010 年度                                                              单位:千元
                                              本期金额                                                                         上年金额
                                         专                                                                               专
          实收资本                减:                                                     实收资本                减:
 项目                                    项   盈余公     一般风    未分配利    所有者权                                   项    盈余公    一般风    未分配利   所有者权
          (或股      资本公积    库存                                                     (或股      资本公积    库存
                                         储     积       险准备      润        益合计                                     储      积      险准备      润       益合计
            本)                  股                                                         本)                  股
                                         备                                                                               备
一、上
年年末    2,500,000   3,898,205     0    0    521,938    558,168   2,263,672   9,741,983   2,500,000   3,918,672     0     0    376,194   389,167 1,620,971    8,805,004
余额
  加:
会计政           0           0      0    0          0         0           0           0           0           0      0     0          0        0          0           0
策变更
   前期
差错更           0           0      0    0          0         0           0           0           0           0      0     0          0        0          0           0

  其他           0           0      0    0          0         0           0           0           0           0      0     0          0        0          0           0
二、本
年年初    2,500,000   3,898,205     0    0    521,938    558,168   2,263,672   9,741,983   2,500,000   3,918,672     0     0    376,194   389,167 1,620,971    8,805,004
余额
三、本
年增减
变动金
           383,821    3,928,849     0    0    232,200    412,886   1,176,900   6,134,656          0      -20,467     0     0    145,744   169,001    642,701    936,979
额(减
少以
“-”号


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                                                                                           宁波银行股份有限公司 2010 年年度报告摘要


填列)




(一)          0           0    0   0   0   0   2,321,986   2,321,986   0        0    0   0        0         0   1,457,446   1,457,446
净利润


(二)
                0      -63,316   0   0   0   0          0      -63,316   0   -20,467   0   0        0         0           0     -20,467
其他综
合收益
    上述
(一)
                0      -63,316   0   0   0   0   2,321,986   2,258,670   0   -20,467   0   0        0         0   1,457,446   1,436,979
和(二)
小计


(三)
所有者
           383,821   3,992,165   0   0   0   0          0    4,375,986   0        0    0   0        0         0           0           0
投入和
减少资



1.所有
           383,821   3,992,165   0   0   0   0          0    4,375,986   0        0    0   0        0         0           0           0
者投入
资本


2.股份
                0           0    0   0   0   0          0           0    0        0    0   0        0         0           0           0
支付计
入所有


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                                                                                  宁波银行股份有限公司 2010 年年度报告摘要


者权益
的金额


          0   0   0   0        0         0            0          0    0   0   0   0        0         0           0           0
3.其他


(四)
          0   0   0   0   232,200   412,886   -1,145,086   -500,000   0   0   0   0   145,744   169,001   -814,745    -500,000
利润分



1.提取
          0   0   0   0   232,200        0     -232,200          0    0   0   0   0   145,744        0    -145,744           0
盈余公



2.提取
          0   0   0   0        0    412,886    -412,886          0    0   0   0   0        0    169,001   -169,001           0
一般风
险准备


3.对所
有者
          0   0   0   0        0         0     -500,000    -500,000   0   0   0   0        0         0    -500,000    -500,000
(或股
东)的
分配

          0   0   0   0        0         0            0          0    0   0   0   0        0         0           0           0
4.其他


(五)    0   0   0   0        0         0            0          0    0   0   0   0        0         0           0           0
所有者


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                                                      宁波银行股份有限公司 2010 年年度报告摘要


权益内
部结转


1.资本
公积转
          0   0   0   0   0   0   0   0   0   0   0   0        0         0           0           0
增资本
(或股
本)


2.盈余
公积转
          0   0   0   0   0   0   0   0   0   0   0   0        0         0           0           0
增资本
(或股
本)


3.盈余
          0   0   0   0   0   0   0   0   0   0   0   0        0         0           0           0
公积弥
补亏损

          0   0   0   0   0   0   0   0   0   0   0   0        0         0           0           0
4.其他


(六)
          0   0   0   0   0   0   0   0   0   0   0   0        0         0           0           0
专项储



1.本期   0   0   0   0   0   0   0   0   0   0   0   0        0         0           0           0
提取



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                                                                                                                   宁波银行股份有限公司 2010 年年度报告摘要




2.本期          0           0    0   0        0         0           0            0           0           0    0   0        0         0           0           0
使用


(七)           0           0    0   0        0         0           0            0           0           0    0   0        0         0           0           0
其他
四、本
期期末    2,883,821   7,827,054   0   0   754,138   971,054   3,440,572   15,876,639   2,500,000   3,898,205   0   0   521,938   558,168 2,263,672    9,741,983
余额




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                                                          宁波银行股份有限公司 2010 年年度报告摘要




9.3 与最近一期年度报告相比,会计政策、会计估计和核算方法发生变化的具体说明

□ 适用 √ 不适用

9.4 重大会计差错的内容、更正金额、原因及其影响

□ 适用 √ 不适用

9.5 与最近一期年度报告相比,合并范围发生变化的具体说明

□ 适用 √ 不适用




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