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宁波银行(002142)公告正文

宁波银行:2011年第一季度报告全文

公告日期:2011-04-28

  宁波银行股份有限公司
BANK OF NINGBO CO.,LTD.
   (股票代码:    002142)




  2011 年第一季度报告




      2011 年 4 月 28 日




              1
       宁波银行股份有限公司 2011 年第一季度季度报告全文

§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、准确性和完整性负个别及连带责任。

    1.2 没有董事、监事、高级管理人员对本报告内容的真实性、准确性、完整性无法保证或存在异议。

    1.3 公司于 2011 年 4 月 26 日召开了宁波银行股份有限公司第四届董事会 2011 年第二次临时会议,以

通讯表决的方式审议通过了《关于宁波银行股份有限公司 2011 年第一季度报告的议案》。

    1.4 公司第一季度财务报告未经会计师事务所审计。

    1.5 公司负责人陆华裕先生、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:保证季度报告中财务报告的真实、完整。



§2 公司基本情况

2.1 主要会计数据及财务指标

2.1.1 主要会计数据

                                         2011 年 3 月 31 日   2010 年 12 月 31 日       增减幅度

             总资产(千元)                271,373,390           263,274,332              3.08%
          股东权益(千元)                  16,694,860           15,876,639               5.15%
              股本(千股)                  2,883,821             2,883,821                 -
               每股净资产                      5.79                  5.51                 5.15%
                                          2011 年 1-3 月        2010 年 1-3 月       比上年同期增减
          营业收入(千元)                  1,690,859             1,326,158              27.50%
             净利润(千元)                  814,966               498,052               63.63%
 经营活动产生的现金流量净额(千元)        -43,099,381           -6,396,137              573.83%
每股经营活动产生的现金流量净额(元)          -14.95                -2.56                483.98%
         基本每股收益(元)                    0.28                  0.20                40.00%
扣除非经常性损益后的基本每股收益(元)         0.23                  0.20                15.00%
         稀释每股收益(元)                    0.28                  0.20                40.00%
              净资产收益率                     4.88%                4.86%           提高 0.02 个百分点
  扣除非经常性损益后的净资产收益率             4.03%                4.81%           下降 0.78 个百分点
注:1、净资产收益率、扣除非经常性损益后的净资产收益率按全面摊薄法计算。
    2、每股收益按照《公开发行证券公司信息披露编报规则第 9 号――净资产收益率和每股收益的计算及
披露(2007 年修订)》的规定计算。
    3、按照中国证监会《公开发行证券的公司信息披露解释性公告第 1 号—―非经常性损益(2008)》的
口径计算扣除非经常性损益后的基本每股收益和净资产收益率。
    4、营业收入包括利息净收入、手续费及佣金净收入、投资收益、公允价值变动收益、汇兑收益和其他
业务收入。




                                                2
            非经常性损益项目
                                                                                              单位:(人民币)千元

                                   非经常性损益项目                                           2011 年 1-3 月金额

    1、非流动性资产处置损益                                                                             0
    2、计入当期损益的政府补偿                                                                        141,503
    3、采用公允价值模式进行后续计量的投资性房地产公允价值变动产生的损益                                 0
    4、除上述各项之外的其他营业外收入和支出                                                           1,826
    合计对利润总额的影响                                                                             143,329
    减:所得税影响额                                                                                   456
                                          合计                                                       142,873



    2.1.2 主要财务指标
                                       监管       2011 年            2010 年                2009 年              2008 年

                监管指标               标准      3 月 31 日         12 月 31 日        12 月 31 日             12 月 31 日
资本充足率(%)                           ≥8        15.22              16.20                 10.75                 16.15
核心资本充足率(%)                       ≥4        11.93              12.50                  9.58                 14.60
                    人民币             ≥25        50.65              53.00                 46.17                 56.44
流动性比率(%)
                    外币               ≥60        8.20                7.76                 68.86                146.22
                    拆入资金比例        ≤8        5.74                6.04                  6.04                  0.18
拆借资金比例(%)
                    拆出资金比例        ≤8        0.00                0.21                  0.37                  1.16
存贷款比例(本外币)(%)                  ≤75        66.52              66.22                 69.40                 64.49
不良贷款比率(%)                         ≤5        0.67                0.69                  0.79                  0.92
拨备覆盖率(%)                          ≥60       202.50              196.15                170.06               152.50
单一最大客户贷款比例(%)                ≤10        2.38                2.48                  4.79                  3.23
最大十家单一客户贷款比例(%)            ≤50        18.18              17.43                 33.78                 24.54
单一最大集团客户授信比例(%)            ≤15        2.96                3.67                  6.74                  4.13
                    正常类贷款迁徙率               0.18                2.33                  4.88                  3.59
正常贷款迁徙率(%)
                    关注类贷款迁徙率               2.59               18.15                 74.24                 11.26
                    次级类贷款迁徙率               2.71               34.27                 17.92                 44.19
不良贷款迁徙率(%)
                    可疑类贷款迁徙率               27.64              67.08                 29.07                 68.83
利息收回率(%)                                      99.12              99.42                 98.19                 99.36
总资产收益率(%)                                    1.22                1.09                  1.09                  1.49
成本收入比(%)                                      38.02              38.14                 41.37                 40.23
    注:一季度总资产收益率为年化数据。


    2.1.3 资本构成情况

                                                                                               单位:(人民币)千元
                                2011 年                2010 年                    2009 年                     2008 年
        项     目              3 月 31 日             12 月 31 日              12 月 31 日                   12 月 31 日
 资本净额                      20,969,528             20,163,883               10,441,892                    9,295,307
 核心资本净额                  16,445,087             15,565,457               9,301,489                     8,402,845
 附属资本                      4,584,757              4,658,742                1,261,855                      954,750

                                                           3
 加权风险资产净额              137,801,201         124,484,846               97,105,336           57,561,170

 资本充足率                       15.22%                16.20%                10.75%                16.15%
 核心资本充足率                   11.93%                12.50%                 9.58%                14.60%



      2.2 报告期末股东总数及前十名无限售条件股东持股情况表
                 股东总数                                                    135221

                 股东名称                     期末持有无限售条件流通股的数量(股)                 股份种类
宁波市财政局                                                     270000000                       人民币普通股
OVERSEA-CHINESE BANKING CORPORATION
LIMITED                                                          250000000                       人民币普通股
宁波富邦控股集团有限公司                                         179000000                       人民币普通股
宁波杉杉股份有限公司                                             179000000                       人民币普通股
华茂集团股份有限公司                                             179000000                       人民币普通股
雅戈尔集团股份有限公司                                           179000000                       人民币普通股
宁波市电力开发公司                                               179000000                       人民币普通股
卓力电器集团有限公司                                             54000000                        人民币普通股
华侨银行有限公司                                                 46099471                        人民币普通股
宁波经济技术开发区控股有限公司                                   19250000                        人民币普通股



      2.3 银行业务数据

      2.3.1 分支机构和员工情况



 序号        机构名称                        营业地址                        机构数    员工数   资产规模(千元)

 1        总行              宁波市鄞州区宁南南路 700 号                         1         869     56,679,394
 2        上海分行          上海市黄浦区南京西路 128 号永新广场 1-5 层          7         339     29,152,631
 3        杭州分行          杭州市西湖区保俶路 146 号                           4         237     17,420,161
 4        南京分行          南京市鼓楼区汉中路 120 号                           3         212     19,592,147
          深圳分行          深圳市福田区福华三路市中心区东南部时代财
 5                                                                              2                 38,220,944
                            富大厦一层 D、二层全层、三层 B 号                             162
 6        苏州分行          苏州市沧浪区干将东路 749 号                         3         164     23,376,798
 7        温州分行          温州市鹿城区南浦路 260 号                           1         60       2,105,253
          北京分行          北京市东城区建国门内大街 28 号 B 座 1、2、3、
 8                                                                              1                  3,403,907
                            4层                                                           72
 9        无锡分行(筹)    无锡市北塘区北大街 20 号 1、2 层                    1         39           -
 10       海曙支行          宁波市海曙区解放南路 135 号                         4         96       3,134,703
 11       江东支行          宁波市江东区中山东路 466 号                         6         138      6,502,707
 12       江北支行          宁波市江北区人民路 270 号                           6         108      7,230,914
 13       湖东支行          宁波市海曙区广济街 4 号                             2         66       3,979,061
 14       西门支行          宁波市海曙区中山西路 197 号                         5         88       3,208,496
 15       东门支行          宁波市江东区百丈东路 868 号                         4         78       2,184,667
 16       天源支行          宁波市海曙区柳汀街 230 号                           3         73       2,497,046
 17       灵桥支行          宁波市江东区彩虹南路 275 号                         3         63       2,302,627

                                                         4
18        国家高新区支行      宁波市高新区江南路 651-655 号               4           78        2,759,802
19        四明支行            宁波市海曙区蓝天路 9 号                     4           91        6,378,005
20        明州支行            宁波市鄞州区嵩江中路 199 号                 7          127        4,903,868
21        北仑支行            宁波市北仑区新碶镇明州路 221 号             4           95        4,343,809
22        镇海支行            宁波市镇海车站路 18 号                      3           86        3,213,215
23        鄞州支行            宁波市鄞州区钟公庙街道四明中路 666 号       7          131        5,297,437
24        宁海支行            宁波市宁海县桃源街道时代大道 158 号         4          108        3,350,882
25        余姚支行            宁波余姚市阳明西路 28 号                    5          114        4,278,581
26        新建支行            宁波余姚市阳明西路 340-348 号               4           77        2,262,118
27        慈溪支行            宁波慈溪市慈甬路 207 号                     5          120        5,118,759
28        城东支行            宁波慈溪市新城大道 483-495 号               4           92        3,035,790
29        象山支行            宁波市象山县丹城靖南路 274 号               2           50        2,602,747
30        奉化支行            宁波奉化市中山路 16 号                      3           72        2,836,921
            合计                                                                     4105      271,373,390



     2.3.2        资产总额及构成情况

                                                                                      单位:(人民币)千元
                                          2011 年           2010 年      2009 年              2008 年
     项    目
                                         3 月 31 日      12 月 31 日   12 月 31 日          12 月 31 日
     资产总额                          271,373,390       263,274,332   163,351,866          103,263,191
     -现金及存放中央银行款
                                                                       21,106,693           13,346,726
     项                                34,349,932        31,560,555
     -存放同业款项                    12,080,327         7,996,156     8,818,769            6,444,372
     -拆出资金                              -              300,000      536,550              880,167
     -交易性金融资产                    1,571,716          353,292      622,410             1,575,561
     -衍生金融资产                      2,122,169        2,249,556     1,029,475             225,572
     -买入返售金融资产                74,101,322        83,021,547     8,227,171            9,718,458
     -应收利息                          1,062,465          599,389      477,101              427,813
     -发放贷款和垫款                  105,878,717       100,194,454   80,767,830           48,466,378
     -可供出售金融资产                  4,539,752        4,324,763     1,814,759             113,776
     -持有至到期投资                  13,595,634         9,838,342    11,735,107           14,102,997
     -应收款项类投资                  18,244,036        19,316,538    25,628,004            1,000,000
     -长期股权投资                       13,250            13,250       13,250               13,250
     -投资性房地产                       224,136           224,136      456,072              197,048
     -固定资产                          1,228,139        1,281,221      926,723              835,963
     -无形资产                           88,991            92,224       97,887               85,900
     -递延所得税资产                     610,072           644,549      314,631              107,206
     -其他资产                          1,662,732        1,264,360      779,434             5,722,004



          2.3.3     负债总额及构成情况

                                                                                      单位:(人民币)千元
                                          2011 年           2010 年      2009 年              2008 年
                   项   目               3 月 31 日      12 月 31 日   12 月 31 日          12 月 31 日
                                                          5
负债总额                         254,678,530         247,397,693     153,609,883         94,458,187
 -同业及其他金融机构存
                                                                      18,864,307          594,017
 发放款项                           9,010,897         7,368,045
 -拆入资金                         8,820,793         8,805,389       9,035,021           133,049
 -衍生金融负债                     2,130,668         2,246,004       1,028,347           152,272
 -卖出回购金融资产款               70,316,377        72,772,019      6,952,574          10,621,097
 -吸收存款                      153,844,414         145,827,979     110,752,461         76,221,740
 -应付职工薪酬                       61,034           284,006          121,367           120,967
 -应缴税费                          385,597           360,344         270,219            151,927
 -应付利息                         1,230,295         1,107,076        671,544            461,331
 -应付债券                         7,473,714         7,467,900       4,971,340               -
 -预计负债                              -                   -             -               19,066
 -递延所得税负债                    549,380           592,441         314,934             88,966
 -其他负债                          855,361           566,491         627,769           5,893,756

注:卖出回购金融资产款中包含系统外转贴现、再贴现。

2.3.4     贷款总额及构成情况

                                                                                    单位:(人民币)千元
                                2011 年              2010 年           2009 年             2008 年
        项     目             3 月 31 日            12 月 31 日      12 月 31 日         12 月 31 日
客户贷款及垫款               107,339,785           101,574,407       81,863,849          49,155,966

  -个人贷款及垫款           26,626,489            26,379,887        20,688,055          13,037,706
  -公司贷款及垫款           79,427,026            73,780,801        59,341,420          32,807,442
  -票据贴现                  1,286,270             1,413,719        1,834,374            3,310,818

减:贷款损失准备              1,461,068             1,379,953        1,096,019             689,588
贷款及垫款总额               105,878,717           100,194,454       80,767,830          48,466,378



  2.3.5        存款总额及构成情况

                                                                                    单位:(人民币)千元
                             2011 年               2010 年           2009 年             2008 年
        项     目           3 月 31 日           12 月 31 日       12 月 31 日         12 月 31 日

 客户存款                 153,844,414            145,827,979       110,752,461         76,221,740
 -活期存款                87,864,511            86,343,536        64,082,786          46,485,537

        个人               10,589,796             9,446,277         8,058,012           6,732,831
        公司               77,274,715            76,897,259        56,024,774          39,752,706
 -定期存款                65,979,902            59,484,443        46,669,675          29,736,203
        个人               21,293,631            19,283,867        16,073,293          11,710,000

        公司               44,686,271            40,200,576        30,596,382          18,026,202



2.3.6 拆入资金

                                                                                    单位:(人民币)千元
                                     2011 年           2010 年         2009 年            2008 年
             项     目              3 月 31 日       12 月 31 日      12 月 31 日        12 月 31 日


                                                       6
  拆入资金                      8,820,793          8,805,389                  9,035,021               133,049

  -银行拆入                    8,820,793          8,805,389                  9,035,021               133,049

  -非银行金融机构拆入                 -                  -                       -                       -



 2.3.7 贷款五级分类情况

                                                                                               单位:(人民币)千元

 项目              2011 年 3 月 31 日           2010 年 12 月 31 日                            期间变动

                   余额          占比(%)       余额            占比(%)            余额          占比(百分点)

 正常类         104,933,249        97.76      98,703,088              97.17      6,230,161                0.59

 关注类          1,685,036             1.57    2,167,792              2.13        -482,756                -0.56

 次级类           459,676              0.43     443,563               0.44            16,113              -0.01

 可疑类           85,861               0.08    105,622                0.10        -19,761                 -0.02

 损失类           175,963              0.16     154,342               0.15            21,621              0.01

 合计           107,339,785        100.00     101,574,407         100.00         5,765,378                    0



 2.3.8 报告期内逾期贷款变动情况

                                                                                              单位:(人民币)千元

项目              2011 年 3 月 31 日           2010 年 12 月 31 日                             期间变动

                   余额        占比(%)       余额             占比(%)              余额          占比(百分点)

逾期贷款         655,342         0.61         635,125             0.63                20,217               -0.02



 2.3.9 报告期内,公司无重组贷款。



 2.3.10 贷款呆账准备金计提和核销的情况

                                                                                               单位:(人民币)千元

                      项目                              2011 年 3 月 31 日                2010 年 12 月 31 日

 期初余额                                                     1,379,953                         1,096,019
 本年计提                                                      78,773                            365,801
 本年核销                                                         -                              -70,311
 本年转回                                                       2,343                             1,735
 其中:收回原转销贷款及垫款导致的转回                           2,343                             1,735
 已减值贷款利息拨回                                               -                              -13,208
 其他                                                             -                                 -83
 期末余额                                                     1,461,068                         1,379,953

        贷款减值准备金的计提方法:
        本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

                                                    7
       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
       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。


       2.3.11 表内外应收利息及坏帐准备情况
                                                                                              单位:(人民币)千元

              项    目                 期初余额             本期增减           期末余额      坏账准备          计提方法

 表内应收利息                           599,389             463,077           1,062,465         -              个别认定

 贷款表外应收利息                       93,775               8,523             102,298          -


       2.3.12 营业总收入构成变动情况

                                                                                              单位:(人民币)千元
             项目                    2011 年 1-3 月               2010 年 1-3 月                     期间变动
                                      余额         占比              余额            占比      余额            占比(百分点)
利息收入                         3,170,374        93.01%          1,820,890        90.19%    1,349,484              2.82
-贷款利息收入                   1,751,698        51.39%          1,259,118        62.37%     492,580              -10.98
-拆放同业利息收入                    1,317       0.04%            5,198            0.26%     -3,881               -0.22
-存放央行款项利息收入               93,114       2.73%            63,869           3.16%     29,245               -0.43
-存放同业利息收入                   109,361      3.21%            22,285           1.10%     87,076                2.11
-债券投资利息收入                   173,931      5.10%           123,746           6.13%     50,185               -1.03
-理财产品利息收入                   143,193      4.20%           196,048           9.71%    -52,855               -5.51
-其他                               897,761      26.34%           150,626          7.46%     747,135              18.88
手续费及佣金收入                     204,376      6.00%           165,056           8.18%     39,320               -2.18
其他业务收入                          7,494        0.22%            4,867           0.24%      2,627               -0.02
投资收益                             -3,563       -0.10%           -5,954          -0.29%     2,391                 0.19
汇兑损益                             42,255       1.24%            96,758           4.79%    -54,503               -3.55
公允价值变动                         -12,369      -0.36%           -62,685         -3.10%     50,316                2.74
合计                             3,408,567        100.00%         2,018,932        100.00%   1,389,635             -0.01



       2.3.13 贷款行业、地区和客户类别集中度分析

       ⑴报告期末,贷款投放前十个行业情况

                                                                                              单位:(人民币)千元

       序号                     行     业                               贷款余额               占贷款总额比例

         1         制造业                                              27,558,298                     25.67%

         2         商业贸易业                                          15,793,389                     14.71%


                                                              8
  3       房地产                                                11,036,512                        10.28%

  4       租赁和商务服务业                                      10,187,390                        9.49%

  5       水利、环境和公共设施管理和投资业                       6,205,835                        5.78%

  6       建筑业                                                 2,862,652                        2.67%

  7       交通运输、仓储和邮政业                                 2,221,909                        2.07%

  8       电力、燃气及水的生产和供应业                               929,630                      0.87%

  9       住宿和餐饮业                                               775,808                      0.72%

 10       信息传输、计算机服务和软件业                               750,553                      0.70%

                   合     计                                    78,321,976                        72.97%



⑵报告期末,贷款地区分布情况

                                                                                             单位:(人民币)千元
                                        2011 年 3 月 31 日                           2010 年 12 月 31 日
         项目
                               余额                     占比                        余额                  占比
北京市                    1,442,842                    1.34%                       487,513               0.48%
上海市                    10,869,140                   10.13%                     9,970,391              9.82%
浙江省                    75,048,116                   69.92%                    72,541,918              71.42%
其中:宁波市              64,426,468                   60.02%                    63,189,969              62.21%
江苏省                    15,189,446                   14.15%                    14,199,150              13.98%
广东省                    4,790,242                    4.46%                      4,375,435              4.31%
贷款和垫款总额           107,339,785                  100.00%                    101,574,407           100.00%



⑶报告期末,贷款按担保方式分布情况

                                                                                             单位:(人民币)千元

                                          2011 年 3 月 31 日                       2010 年 12 月 31 日
           分类
                                         金额                 比例                金额                   比例

          信用贷款                    21,941,367             20.44%            20,769,486             20.45%

          保证贷款                    32,200,283             30.00%            29,927,877             29.46%

          抵押贷款                    48,539,967             45.22%            47,210,378             46.48%

          质押贷款                    4,658,168              4.34%              3,666,666              3.61%

      贷款和垫款总额              107,339,785               100.00%            101,574,407            100.00%



⑷公司最大十家客户贷款情况

                                                                                             单位:(人民币)千元

  客 户                   行     业                          贷款余额                    占贷款总额比例
 客户 1              租赁和商务服务业                        500,000                          0.47%
 客户 2         水利、环境和公共设施管理业                   500,000                          0.47%
 客户 3                 批发和零售业                         393,163                          0.37%
 客户 4                 批发和零售业                         391,122                          0.36%

                                                        9
 客户 5          交通运输、仓储和邮政业              350,000                        0.33%
 客户 6                租赁和商务服务业              350,000                        0.33%
 客户 7                租赁和商务服务业              350,000                        0.33%
 客户 8                         房地产业             340,000                        0.32%
 客户 9                租赁和商务服务业              337,950                        0.31%
 客户 10                        房地产业             300,000                        0.28%
                      合     计                   3,812,235                         3.55%



2.3.14     抵债资产

                                                                                    单位:(人民币)千元
  项 目               2010 年 12 月 31 日     本期增减         2011 年 3 月 31 日       跌价准备余额


 抵债资产                       121,259        5,635                 126,894                 2,063



2.3.15     存款结构平均余额和平均付息率情况

                                                                                    单位:(人民币)千元
                      项     目                          日平均余额                  平均年化付息率

                 企业活期存款                            57,865,050                         0.65%

                 企业定期存款                            58,465,688                         2.36%

                 储蓄活期存款                            10,203,031                         0.40%

                 储蓄定期存款                            20,752,891                         2.03%

                       合计                              147,286,660                        1.51%

注:企业活期存款中包括企业协定存款。

2.3.16     贷款结构平均余额和平均收息率情况


                                                                                    单位:(人民币)千元
                 项     目                             日平均余额                     平均年化收息率

一年以内短期贷款                                       69,945,608                            6.22%
中长期贷款                                             28,428,829                            5.85%
                  合计                                 98,374,436                            6.11%
注:一年以内短期贷款不包括贴现和垫款。



2.3.17     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                                           19,307,694
               金融机构债券                                         2,191,800
                 央行票据                                             167,210
                 企业债券                                             150,000
                      合计                                          21,816,704

                                                10
2.3.18   报告期末所持重大金融债券情况

                                                                                      单位:(人民币)千元
    债券种类               面值           年利率%                       到期日              减值准备

2002 年记帐式国债         800,000        2.70~2.90           2012-03-18~2032-05-24                -

2003 年记帐式国债         530,000        2.80~4.18           2013-04-09~2018-10-24                -

2004 年记帐式国债         850,000        4.71~4.89           2011-05-25~2014-08-10                -

2006 年记帐式国债         780,000        2.40~3.70           2011-05-16~2026-06-26                -

2007 年记帐式国债       2,540,000        2.93~4.52           2012-04-23~2037-05-17                -
2008 年记帐式国债       2,620,000        1.77~4.94           2011-04-14~2038-10-23                -
2008 年金融债券         1,000,000           8.00             2018-04-01~2018-07-03                -
2009 年记帐式国债       1,440,000        1.55~4.30           2012-05-21~2059-11-30                -
2010 年记帐式国债       3,978,000        2.23~3.83           2013-03-18~2020-12-16                -
2011 年记帐式国债       3,590,000        3.60~3.94           2016-02-17~2021-03-17                -
2011 年金融债券           810,000    浮动利率+3.99~4.25       2014-03-1~2018-03-24                -
2011 年央行票据           500,000         浮动利率                  2012-03-30                    -



2.3.19 报告期内委托理财、资产证券化、各项代理、托管等业务的开展和损益情况


    报告期末,公司财富管理业务保持稳定发展。报告期末,公司共发行 15 期理财产品,累计销售 35.56
亿元,基金产品累计销售 1.14 亿元;银保类产品累计销售 0.26 亿元。


2.3.20 可能对财务状况与经营成果造成重大影响的表外事项

                                                                                      单位:(人民币)千元
            项    目                    2011 年 3 月 31 日                        2010 年 12 月 31 日

1、主要表外风险资产

         开出信用证                        5,280,629                                  3,809,240
         银行承兑汇票                      29,281,295                                26,110,367
         开出保函                          1,727,847                                  1,231,573
         贷款承诺及其他                    13,525,769                                16,569,284
         国库券承兑承诺                    1,158,990                                  1,304,477
2、资本性支出承诺                           320,636                                    312,365
3、经营性租赁承诺                           760,736                                    691,578
4、对外资产质押承诺                        7,599,970                                  6,860,000



2.3.21   衍生金融工具情况

                                                                                      单位:(人民币)千元
 衍生金融工具                                       2011 年 3 月 31 日




                                               11
                        合约/名义金额                 资产公允价值             负债公允价值


 外汇远期合同            14,987,726                      70,691                   61,754

 货币掉期合同            36,071,632                     289,848                  327,388

 利率互换合同            37,336,837                    1,761,630                1,741,526
      合计               88,396,195                    2,122,169                2,130,668



2.4 公司面临的各种风险及相应对策
    公司在经营中主要面临以下风险:信用风险、流动性风险、市场风险、操作风险和其他风险。
    1、信用风险
    信用风险是指客户(或者交易对象)可能无法或者不愿意履行对公司按约定负有的义务的风险。公司
承担信用风险的资产包括各项贷款、拆放同业、买入返售资产、存放同业款项、银行账户债券投资、应收
利息、其他应收款和表外资产。公司信用风险的基本控制流程主要包括以下步骤:信贷政策制订;授信前
尽职调查;客户信用评级(或测分);担保评估;贷款审查和审批;放款;授信后管理;不良贷款管理。
公司依据相关政策和规定,参考公司实际情况,按照贷款本金利息收回的可能性,考虑借款人的还款能力、
还款记录、还款意愿、贷款的担保、贷款偿还的法律责任和银行的信贷管理等因素,把贷款分为正常类(包
括正常+、正常和正常-)、关注类(包括关注+、关注和关注-)、次级类(包括次级+和次级-)以及可疑类、
损失类。该十级贷款分类制度以量化的形式揭示了贷款的实际价值和风险程度,有助于公司准确的预警贷
款中隐藏的风险,发现贷款发放、管理、监控、催收以及不良贷款管理中存在的问题,实施多层次的风险
监控和管理。同时,公司通过十级贷款分类,对不同类别的贷款提取不同比例的模拟贷款准备金,更有针
对性地进行基于风险回报的考核。
    报告期内,公司加强对市场的分析和预测,研究主要授信行业的变化情况,及时制定了 2011 年授信业
务指导意见,实现授信业务的前瞻性控制。加强授信业务风险排查,实施了存单质押授信、银行承兑汇票
和房地产开发项目贷款等多项自查和整改工作。进一步完善预警监控机制,制定了授信客户预警管理规程
和信用卡预警调控管理办法,开发了授信客户预警管理系统,同时加强行业信息的跟踪工作,对预警行业
及时组织分支机构排查。关注持续调控下的房地产贷款状况,开展房地产压力测试,确保全行房地产贷款
风险可控。
    报告期末,公司信用风险集中程度主要指标如下:
    (1)单一客户贷款集中度
    截止 2011 年 3 月 31 日,公司最大单一客户贷款余额 50000 万元,占资本净额(2096953 万元)的比
例为 2.38%,符合银监会规定的不高于 10%的要求。
    (2)最大单一集团客户授信集中度
    截止 2011 年 3 月 31 日,公司最大单一集团客户授信敞口 61971 万元,占资本净额(2096953 万元)
的比例为 2.96%,符合银监会规定的不高于 15%的要求。
    (3)最大十家客户贷款比例
    截止 2011 年 3 月 31 日,公司最大十家客户贷款余额 381224 万元,占资本净额(2096953 万元)的比
例为 18.18%。
    (4)单一关联方授信比例
    截止 2011 年 3 月 31 日,公司最大单一关联方授信敞口 42449 万元,占资本净额(2096953 万元)的
比例为 2.02%,符合银监会规定的不高于 10%的要求。
    (5)全部关联度
    截止 2011 年 3 月 31 日,公司全部关联方实际使用授信敞口 178147 万元,占资本净额(2096953 万元)
的比例为 8.50%,符合银监会规定的不高于 50%的要求。
    2、流动性风险

                                                 12
    流动性风险包括因无法履行还款责任,或者因无法及时或以合理的价格为公司资产组合变现提供资金
所带来的风险。
    报告期内,公司根据监管要求,合理控制全行信贷投放进度和节奏,指导分支机构合理开展资产业务。
密切跟踪货币市场流动性状况,持续监控公司的资产结构和期限,合理安排负债来源、融资规模和期限结
构,确保满足公司未来的流动性需求。监控各项流动性指标,以满足监管要求以及内部控制规定。实施资
产负债咨询项目,进一步提高公司资产负债管理水平。研究新巴塞尔协议Ⅲ要求监控的 LCR 和 NSF 两个新
流动性指标需求,并完成初次测算,同时对 2010 年使用的行为参数进行了回溯检验。
    报告期末,公司主要流动性风险指标如下:
    (1)流动性比例
    截止 2011 年 3 月 31 日,公司流动性资产余额 4405231 万元,流动性负债余额 9783128 万元,流动性
比例 45.03%,符合银监会规定的不低于 25%的要求。
    (2)流动性缺口率
    截止 2011 年 3 月 31 日,公司 90 天内到期的流动性缺口为 183314 万元,流动性缺口率 1.56%,符合
银监会规定的不低于-10%的要求。
    (3)人民币超额备付金率
    截止 2011 年 3 月 31 日,公司人民币超额备付金余额 649441 万元,与人民币各项存款余额的比例为
4.30%。
    (4)存贷款比例
    截止 2011 年 3 月 31 日,公司各项贷款余额 1073.40 亿元,其中金融债关联贷款 50 亿元,各项存款余
额 1538.44 亿元,存贷款比例(不含金融债关联贷款)66.52%,符合银监会规定的不高于 75%的要求。
    3、市场风险
    市场风险是指利率、汇率以及其他市场因素变动而引起金融工具的价值变化,进而对未来收益或者未
来现金流量可能造成潜在损失的风险。影响公司业务的市场风险主要类别有利率风险与汇率风险。
报告期内,公司加强市场风险模型和系统的建设,完成了人民币外汇期权交易相关参数、模型的配置,实
施了市场风险资本计量系统以及 Summit、Murex、Front Arena 等系统的测试评估,同时做好市场风险的压
力测试工作。加强交易账户风险监控与报告,市场风险管理部每日对交易账户限额执行情况进行监测,对
交易账户进行市值重估和 VaR 计量,并定期向高级管理层、风险管理委员会、董事会和监管部门报告市场
风险状况。
    报告期末,公司主要市场风险指标如下:
    截止 2011 年 3 月 31 日,公司累计外汇敞口头寸余额 81379 万元,资本净额 2096953 万元,累计外汇
敞口头寸比例 3.88%,符合银监会规定的不高于 20%的要求。
    4、操作风险
    操作风险是由于不完善或失灵的内部程序、人员、系统或外部事件导致损失的风险。
    报告期内,公司推进操作风险咨询项目,不断优化和完善操作风险管理政策、流程、计量工具和分析
方法,提升操作风险整体管理水平。成立了内部控制委员会,以进一步加强内部控制。加强操作风险排查,
开展了季度案件排查工作和内控专项检查,同时组织召开案件专项治理专题会议,为开展年度案件专项治
理工作做好准备。加强了风险提示,针对内外部发生的操作风险事件,及时发布风险提示,督促相关单位
及时整改或加强关注。加强信息科技风险管理,制定了信息防泄露实施方案,建立了工作电脑安全使用管
理长效机制。
    5、其他风险
    其他可能对公司造成严重影响的主要有合规风险和法律风险等。
    报告期内,公司继续做好全行授权管理、法律合规审查、合规咨询、合规风险提示、法律合规培训等
工作,加强与监管部门的有效互动,及时传达监管政策信息,落实监管要求,有效防范合规风险和法律风
险。完成了国际业务条线相关内控制度的梳理,全面整合了个人业务合同文本,组织实施了“三个办法一
个指引” 贯彻落实情况、个人商业性住房贷款执行情况、政府融资平台、存款合规性等合规检查并落实整
改。开发了员工合规评价新功能,进一步完善了合规风险管理系统。
                                               13
2.5 内部控制情况
    1、对大额暴露和风险集中的识别
    报告期内,公司按照《宁波银行授信业务集中度风险管理办法》关于授信客户集中度风险管理政策的规
定,加强客户集中、抵质押品集中、行业集中、区域集中、业务品种和期限集中等形式的授信业务集中风
险管理,对大额暴露和集中风险进行有效识别和管理。通过定期分析和监测贷款集中度、行业集中度等指
标,避免单户授信和行业授信的过度集中。
    2、银行评估程序所用参数的准确性和完整性
    公司通过对法人客户实施信用等级评定、对授信业务实施十级分类、对利率风险和流动性风险实施缺
口、久期、市值分析等手段对相关风险状况进行评估,并对评估参数的选取、配置、维护、评估和更新进
行规范管理。报告期内,公司各类评估结果与实际情况基本一致,评估程序所用参数基本准确、完整、有
效。
    3、银行评估程序在范围界定方面的合理性和有效性
    报告期内,公司严格按照银监会的规定,执行了合理的资本评估和风险评估程序,评估程序的范围合
理、有效。
    4、压力测试和对各种假设及参数的分析
    报告期内,公司根据行业形势和业务风险状况,运用包括敏感性测试和情景测试在内的测试方法,继
续对公司流动性状况、市场风险状况以及房地产贷款信用风险状况等内容实施了压力测试,了解潜在风险
因素,分析抵御风险的能力,制定相关应对措施,预防极端事件对公司带来的冲击。
    5、风险预警
    报告期内,公司进一步完善预警监控机制,制定了授信客户预警管理规程和信用卡预警调控管理办法,
切实加强对预警信息的管理。开发了授信客户预警管理系统,实现从下往上和从上往下两种预警模式。加
强行业信息的跟踪工作,对预警行业及时组织分支机构排查,确保全行的资产质量。
       综上所述,公司已制定了较为完整、合理和有效的内部控制制度,公司内部控制体系健全、完善;公
司内部控制制度执行的有效性不断提高,分支行内控意识不断增强,各业务条线内部控制措施落实到位,
未发现重大的内部控制缺陷。公司将根据国家法律法规要求以及自身经营管理的发展需要,持续提高内部
控制的完整性、合理性和有效性。

§3 重要事项

3.1 公司主要会计报表项目、财务指标大幅度变动的情况及原因
截至 2011 年 3 月 31 日,本公司主要经营情况如下:
1、 今年 1-3 月实现净利润 8.15 亿元,同比上升 63.63%。基本每股收益 0.28 元,比上年同期上升 0.08
       元。
2、 总资产 2713.73 亿元,比年初增加 80.99 亿元,增幅 3.08%。
3、 贷款余额 1073.40 亿元,比年初增加 57.65 亿元,增幅 5.68%。
4、 存款余额 1538.44 亿元,比年初增加 80.16 亿元,增幅 5.50%。
5、 股东权益 166.95 亿元,比年初增加 8.18 亿元,增幅 5.15%。全面摊薄净资产收益率 4.88%,比上年同
       期上升 0.02 个百分点。
6、 按照“五级分类”标准,不良贷款余额 7.22 亿元,不良贷款率 0.67%,比年初下降 0.02 个百分点。
       拨备覆盖率为 202.50%,比年初提高 6.36 个百分点。
7、 变动幅度在 30%以上的报表项目和财务指标及其主要原因。

                                                                                    单位:(人民币)千元
                                                          比上年同
               项 目                2011 年 1-3 月                                 主要原因
                                                           期增减
 利息收入                             3,170,374            74.11%    贷款规模扩大
 利息支出                             1,689,938           151.05% 存款规模扩大
 手续费及佣金支出                       27,770             41.58%    手续费及佣金支出增加

                                                  14
       公允价值变动损益                        -12,369            -80.27% 公允价值变动影响损益
       投资收益                                 -3,563            -40.15% 可供出售金融资产亏损
       汇兑收益                                 42,255            -56.33% 汇率变动影响损益
       其他业务收入                             7,494             53.97%     其他业务收入增加
       其他业务成本                             1,082             -52.70% 其他业务成本减少
       营业外支出                               2,897             87.90%     营业外支出增加
       所得税费用                              184,364            48.60%     所得税费用增加
       其他综合收益                             3,254             -81.08% 可供出售金融资产价值变动



                                                                                                  单位:(人民币)千元
                                                                  比年初
                    项目                2011 年 3 月 31 日                                  主要原因
                                                                   增减%
       存放同业款项                          12,080,327           51.08%     存放同业款项增加
       交易性金融资产                        1,571,716            344.88% 交易性金融资产增加
       应收利息                              1,062,465            77.26%     应收利息增加
       持有至到期投资                        13,595,634           38.19%     持有至到期投资增加
       应付职工薪酬                             61,034            -78.51% 员工薪酬余额减少


      3.2 重大事项进展情况及其影响和解决方案的分析说明

      公司不存在向控股股东或其关联方提供资金、违反规定程序对外提供担保的情况。


      3.3 公司、股东及实际控制人承诺事项履行情况
          公司非公开发行认购对象承诺及履行情况:
          宁波市电力开发公司、新加坡华侨银行有限公司、雅戈尔集团股份有限公司、宁波富邦控股集团有限
      公司、宁波华茂集团股份有限公司承诺自发行结束之日起,三十六个月内不转让本次认购的股份。
          报告期末,上述承诺得到严格执行。


      3.4 对2011年1-6月经营业绩的预计

                                                                                                单位:(人民币)千元
      2011 年 1-6 月预计的经营业绩           归属于上市公司股东的净利润比上年同期增长幅度小于 50%
      2011 年 1-6 月净利润同比变动幅度的     归属于上市公司股东的净利润比上年同期
                                                                                            20%        ~ ~     30%
      预计范围                               增长幅度为:
      2010 年 1-6 月经营业绩                 归属于上市公司股东的净利润:                               1,262,546
      业绩变动的原因说明                     业务规模扩大、盈利能力增强



      3.5 证券投资情况

                                                                                                              报告期
序    证券       证券       证券      期末持         会计核           期初              期末
                                                                                                        所有者权益变动
号    品种       代码       简称      有数量         算科目       账面值(千元)    账面值(千元)
                                                                                                             (千元)

                                                    可供出售
1      A股    600830       香溢融通   750,000                         8,250             9,105                  855
                                                    金融资产

     期末持有的其他证券投资              -               -              0                   0                   0


                                                             15
报告期内已全部出售的证券投资          -              -                   0                 0                   0

           合   计                 750,000                              8,250             9,105                855



    3.6 董事会关联交易管理执行情况
        1、内部自然人及其近亲属在本行授信实施情况
        公司内部自然人统计口径包括了董事会、监事会、高级管理人员、有权决定或者参与商业银行授信和
    资产转移的其他人员。报告期末,抵押项下贷款业务敞口余额为 13807.41 万元,质押项下为 0 万元,保证
    项下为 269 万元,无信用项下业务,做到了未对本行董事会、监事会、高级管理人员、有权决定或者参与
    商业银行授信和资产转移的其他人员及其近亲属发放信用贷款。
                                                                                                      单位:万元


                        担保方式                                         目前在本行贷款业务敞口余额

    抵押                                                     13807.41
    质押                                                     0
    保证                                                     269.00
    信用                                                     0
    合计                                                     14066.41

        2、关联自然人在本行发生 30 万元以上交易情况

        报告期末,公司关联自然人与公司金额在 30 万元以上的交易共 140 笔,发生日合计业务余额 6279 万
    元,扣除保证金后敞口 6199 万元,截至 3 月底扣除保证金后敞口 4147.50 万元
        3、持股5%以上股东关联方的授信实施情况
        (1)宁波市财政局
        报告期内,公司未授信。
        (2)OVERSEA-CHINESE BANKING CORPORATION LIMITED(新加坡华侨银行有限公司)
        报告期末,公司给予新加坡华侨银行授信额度为人民币 8 亿元,其中预清算 2.9 亿、利率互换 0.1 亿、
    期权 5 亿,目前在公司风险敞口 1257 万元,全部为预清算;公司给予华侨银行(中国)有限公司授信额度
    为人民币 10 亿元,其中预清算 2 亿、利率互换 1 亿,信用拆借/同业存款 6 亿、期权 1 亿元。实际风险敞
    口为 1.185 亿元,其中预清算 1.1 亿元、利率互换 850 万元。
        (3)宁波杉杉股份有限公司及关联体
                                                                                                  单位:万元
                                                                                 扣除保证金后实际       备注
    序号             企业名称             周转额度           实际业务余额
                                                                                     业务余额
    1      杉杉集团有限公司               2000           贷款 10000             10000

           宁波杉杉新材料科技有限
    2                                     3310           承兑 2474.97           1361.23
           公司
                                                                                                     进口开证周
                                          USD100         0                      0
                                                                                                     转额度
    3      上海杉杉科技有限公司           2000           银承 705.3             705.3
           宁波贝儿森孕婴用品有限
    4                                     0              贷款 200               200
           公司
           宁波经济技术开发区汇星
    5      贸易有限公司                   4200           贷款 3100              3100

                                                                                                     进口开证周
                                          USD330         开证 24.14             24.14
                                                                                                     转额度

                                                         16
                                                                                      出口押汇周
                                                                                      转额度
                                  USD150     0                  0



                                             贷款 1500          1500

                                             承兑 1415.52       707.76
        宁波尤利卡太阳能科技发               开证 2261.45       1583.02
6                                 15000
        展有限公司
                                             进口代付 1337.18   1100.43
                                             国内采购代付
                                                                6006.5
                                             6006.5
        宁波杉杉服饰开发有限公
7                                            承兑 2800          0
        司
        宁波大榭开发区德辉贸易
8                                            银承 4000          0
        有限公司
                                  3000       贷款 500           500
        宁波杉杉实业发展有限公
9                                                                                     远期进口开
        司                        USD600     开证 186.66        177.11
                                                                                      证周转额度
        宁波杉工结构监测与控制
10                                           保函 366.46        256.52
        工程中心有限公司
                                             贷款 5000          5000
11      宁波顺诺贸易有限公司
                                             银承 5000          5000

12      宁波杉杉物产有限公司                 银承 12013         8409.1

        合计                                 58891.18           45631.11


    ⑷雅戈尔集团股份有限公司及关联体
                                                                                     单位:万元

                                                                      扣除保证金后
序号    企业名称                  周转额度        实际业务额                          备注
                                                                      实际业务余额

                                                  开证
                                                                      26141.13
                                                  26141.13                            进口周转额
                                  43363.41
                                                  进口代付                            度
                                                                      16495.26
                                                  16495.27
                                                                                      出口押汇周
                                  USD45           0                   0
        中基宁波集团股份有限公                                                        转额度
1                                                                                     金融衍生产
        司
                                                                                      品交易减免
                                  500             14.17               14.17
                                                                                      保证金周转
                                                                                      额度
                                                                                      资金业务最
                                  USD10000        0                   0               大交易量额
                                                                                      度
                                                  开证                                进口开证周
                                  USD480                              1949.90
        宁波经济技术开发区中基                    1949.90                             转额度
2
        进出口有限公司                            押汇                                出口押汇周
                                  USD20                               98.83
                                                  98.83                               转额度
        宁波鸿达汽车销售服务有
3                                                 银承 1500           1050
        限公司
4       宁波中基凯丰汽车销售服                    贷款 2100           2100
                                             17
              务有限公司
              宁波雅华丰田汽车销售服
     5                                                      贷款 800           800
              务有限公司
                                          1000              贷款 950           950
              宁波保税区华东进口商品
     6                                                      开证                                进口开证周
              市场开发有限公司            6000                                 938.07
                                                            938.07                              转额度
              宁波中基东本汽车销售服
     7                                    1000              银承 1350          945
              务有限公司
              合计                                          52337.36           51482.36



            ⑸宁波富邦控股集团有限公司及关联体

                                                                                                单位:万元

     序                                                                       扣除保证金后实
             企业名称                     周转额度          实际余额                             备注
     号                                                                       际业务余额
     1       宁波富邦国际贸易有限公司                       贷款 5000         5000
             宁波市家电日用品进出口有     8800
     2                                                      贷款 13800        13800
             限公司
     3       宁波家私有限公司             3000              贷款 3000         3000
                                                            贷款 7300
                                          7300                                7300

                                                            银承 1124.68      1124.68
                                                            开证                                 进口开证
     4       宁波亨润聚合有限公司         USD390                              2538.33
                                                            2941.07                              周转额度
                                                                                                 资金业务
                                          USD4500           0                 0                  最大交易
                                                                                                 量额度

                                          2000              贷款 2000         2000


                                                            贴现 1300         1300


     5       宁波富邦家具有限公司                           银承 200.31       0


                                                            开证 614.28
                                                                                                 进口周转
                                          USD100                              595.23
                                                                                                 额度
                                                            进口代付 116.04


                                          3500              贷款 3500         3500

     6       宁波亨润家具有限公司                           银承 840.12       0

                                                            开证 1299.70                         进口周转
                                          USD250                              1501.83
                                                            进口代付 525.27                      额度
     7       宁波富邦格林家具有限公司     2000              承兑 3300         1980
     8       宁波富邦精业贸易有限公司                       银承 1600         960
             合计                                           48461.48          44600.08



           ⑹宁波市电力开发公司及关联体

                                                                                                单位:万元

序                                                                         扣除保证金后实际
          企业名称                          周转额度    实际余额                               备注
号                                                                         业务余额

                                                       18
3        宁波开发投资集团有限公司           0            10000      10000
         合计                                            10000      10000

          ⑺华茂集团股份有限公司及关联体

                                                                                       金额单位:万元

    序                                                               扣除保证金后实
           企业名称                       周转额度   实际业务余额                       备注
    号                                                               际业务余额
    1      华茂集团股份有限公司           0          15000           15000
    2      宁波茂煊国际贸易有限公司       18000      承兑 7770       6216
    3      浙江华茂国际贸易有限公司       30000      贷款 0          0
                                                     承兑 8919.79    7135.83
                                                     开证 2417.22    2417.22
                                                     远期结汇                           金融衍生产品
                                          2000                       1254.85
                                                     1254.85                            交易周转额度
                                                                                        资金业务最大
                                          24500      0               0
                                                                                        交易量额度
           合计                                      35361.86        32023.90



          4、一般关联交易、重大关联交易和特别重大关联交易执行情况
          根据证监会商业银行信息披露特别规定和《宁波银行股份有限公司关联交易管理实施办法》:
          一般关联交易是指银行与一个关联方之间单笔交易金额占银行资本净额或最近一期经审计净资产(采
    取孰低原则,取两者较小值,下同)1%(含)以下,且该笔交易发生后银行与该关联方的交易余额占银行
    资本净额 5%(含)以下的交易;
          重大关联交易是指银行与一个关联方之间单笔交易金额在 3000 万元(不含)以上,且占银行资本净额
    或最近一期经审计净资产 1%(不含)以上,或银行与一个关联方发生交易后,与该关联方的交易余额占银
    行资本净额 5%(不含)以上的交易;
          特别重大关联交易是指银行与一个关联方之间单笔交易金额占银行资本净额或最近一期经审计净资产
    5%(不含)以上,或银行与一个关联方发生交易后,与该关联方的交易余额占银行资本净额 10%的交易。
          根据上述定义,报告期末:
          公司发生一般关联交易共 4 笔;
          公司发生的重大关联交易共 1 笔;
          公司未发生特别重大关联交易。
          报告期末,根据公司对一般关联交易、重大关联交易和特别重大关联交易统计情况,关联授信业务的
    审批程序符合董事会对关联授信控制要求。


    3.7 报告期内公司无重大对外担保事项



    3.8 重大诉讼事项

              性质                    涉案金额(万元)                          件数

    1、主诉案件                             26,488                              243
    其中:今年起诉的案件                    4,486                                31
    2、被诉案件                                 0                                0
    其中:今年起诉的案件                        0                                0



    3.9 报告期内无重大投资、收购、出售资产、设备采购事项



                                                     19
3.10 报告期内公司无重大突发事项。




                                         宁波银行股份有限公司
                                            董事长:陆华裕
                                         二○一一年四月二十八日




                                    20
                                            资产负债表
   编制单位:宁波银行股份有限公司            (未经审计)                     金额单位:人民币千元
项目                                                  2011 年 3 月 31 日        2010 年 12 月 31 日
资产
现金及存放中央银行款项                                   34,349,932                31,560,555
存放同业款项                                             12,080,327                 7,996,156
拆出资金                                                      -                      300,000
交易性金融资产                                           1,571,716                   353,292
衍生金融资产                                             2,122,169                  2,249,556
买入返售金融资产                                         74,101,322                83,021,547
应收利息                                                 1,062,465                   599,389
发放贷款和垫款                                          105,878,717                100,194,454
可供出售金融资产                                         4,539,752                  4,324,763
持有至到期投资                                           13,595,634                 9,838,342
应收款项类投资                                           18,244,036                19,316,538
长期股权投资                                                13,250                    13,250
投资性房地产                                              224,136                    224,136
固定资产                                                 1,228,139                  1,281,221
无形资产                                                    88,991                    92,224
递延所得税资产                                            610,072                    644,549
其他资产                                                 1,662,732                  1,264,360
资产总计                                                271,373,390                263,274,332
负债及所有者权益
同业及其他金融机构存放款项                               9,010,897                  7,368,045
拆入资金                                                 8,820,793                  8,805,389
衍生金融负债                                             2,130,668                  2,246,004
卖出回购金融资产款                                       70,316,377                72,772,019
吸收存款                                                153,844,414                145,827,979
应付职工薪酬                                                61,034                   284,006
应交税费                                                  385,597                    360,344
应付利息                                                 1,230,295                  1,107,076
应付债券                                                 7,473,714                  7,467,900
递延所得税负债                                            549,380                    592,441
其他负债                                                  855,361                    566,491
负债合计                                                254,678,530                247,397,693
股本                                                     2,883,821                  2,883,821
资本公积                                                 7,830,309                  7,827,055
盈余公积                                                  754,137                    754,137
一般风险准备                                              971,054                    971,054
未分配利润                                               4,255,539                  3,440,572
股东权益合计                                             16,694,860                15,876,639
负债和股东权益总计                                      271,373,390                263,274,332
  法定代表人: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

                                                 21
                                              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:人民币千元
                        项目                             2011 年 1-3 月           2010 年 1-3 月
一、营业收入                                              1,690,859                 1,326,158
    利息净收入                                            1,480,436                 1,147,730
       利息收入                                           3,170,374                 1,820,890
       利息支出                                           1,689,938                  673,160
    手续费及佣金净收入                                      176,606                  145,442
       手续费及佣金收入                                     204,376                  165,056
       手续费及佣金支出                                     27,770                    19,614
    公允价值变动收益(损失以“-”填列)                      (12,369)                  (62,685)
    投资收益(损失以“-”填列)                               (3,563)                  (5,954)
    汇兑收益(损失以“-”填列)                               42,255                    96,758
    其他业务收入                                             7,494                    4,867
二、营业支出及损失                                          834,858                  703,477
       营业税费                                             112,167                   95,856
       业务及管理费                                         642,837                  543,636
       资产减值损失                                         78,773                    61,698
       其他业务成本                                          1,082                    2,287
三、营业利润                                                856,001                  622,681
       加:营业外收入                                       146,226                    984
       减:营业外支出                                        2,897                    1,542
四、以前年度损益调整                                                                    -
五、利润总额                                                999,330                  622,123
       减:所得税                                           184,364                  124,071
六、净利润                                                  814,966                  498,052


七、每股收益:
   (一)基本每股收益                                        0.28                      0.20
   (二)稀释每股收益                                        0.28                      0.20
八、其他综合收益                                             3,254                    17,201
九、综合收益总额                                            818,220                  515,253
    其中:归属于母公司所有者的综合收益总额                  818,220                  515,253
          归属于少数股东的综合收益总额                         0                        0
  法定代表人: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




                                                    22
                                              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:人民币千元
                          项     目                            2011 年 1-3 月           2010 年 1-3 月
 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                                 9,659,288                3,097,469
 向其他金融机构拆入资金净增加额                                      -                        -
 收取利息、手续费及佣金的现金                                   2,835,630                1,600,734
 收到其他与经营活动有关的现金                                     700,192                  885,116
     经营活动现金流入小计                                       13,195,109               5,583,319
 客户贷款及垫款净增加额                                         5,765,378                5,687,236
 存放中央银行和同业款项净增加额                                 8,326,172                2,364,925
 向其他金融机构拆入资金净减少额                                 38,797,270               1,916,886
 支付利息、手续费及佣金的现金                                   1,594,488                  629,999
 支付给职工及为职工支付的现金                                     563,361                  429,941
 支付的各项税费                                                   292,284                  170,160
 支付其他与经营活动有关的现金                                     955,537                  780,309
     经营活动现金流出小计                                       56,294,490               11,979,456
     经营活动产生的现金流量净额                                (43,099,381)             (6,396,137)
 二、投资活动产生的现金流量:
 收回投资所收到的现金                                           6,189,379                14,164,038
 取得投资收益收到的现金                                           76,043                   83,828
 收到其他与投资活动有关的现金                                     164,401                     -
     投资活动现金流入小计                                       6,429,823                14,247,866
 投资支付的现金                                                 10,306,433               15,175,451
 购建固定资产、无形资产和其他长期资产所支付的现金                 45,429                   510,042
 支付其他与投资活动有关的现金                                        0                      4,005
     投资活动现金流出小计                                       10,351,862               15,689,498
     投资活动产生的现金流量净额                                (3,922,039)              (1,441,632)
 三、筹资活动产生的现金流量:
 吸收投资收到的现金
 发行债券收到的现金
 收到其他与筹资活动有关的现金
     筹资活动现金流入小计
 分配股利、利润或偿付利息支付的现金
 支付其他与筹资活动有关的现金
     筹资活动现金流出小计
     筹资活动产生的现金流量净额
 四、汇率变动对现金的影响                                         (8,461)                   (436)
 五、现金及现金等价物净增加额                                  (47,029,881)             (7,838,205)
 加:期初现金及现金等价物余额                                   83,773,057               15,598,938
 六、期末现金及现金等价物余额                                   36,743,176               7,760,733
法定代表人: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

                                                    23