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2019年09月16日 星期一

宁波银行(002142)公告正文

宁波银行:2012年第三季度报告全文

公告日期:2012-10-29

    宁波银行股份有限公司BANK OF NINGBO CO.,LTD.
    (股票代码:     002142)
    2012 年第三季度报告
       2012 年 10 月 25 日
                     宁波银行股份有限公司 2012 年第三季度报告全文
       一、 重要提示
              本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、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。
              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。
              公司于 2012 年 10 月 25 日召开了宁波银行股份有限公司第四届董事会 2012 年第五次临时会议,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 2012 年第三季度报告》的议案。
              公司第三季度财务报告未经会计师事务所审计。
              公司负责人陆华裕先生、行长罗孟波先生、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。
       二、 公司基本情况
           (一) 主要会计数据及财务指标
               1、主要会计数据
                                               2012 年 9 月 30 日        2011 年 12 月 31 日             增减幅度
    总资产(千元)                                   338,913,111                  260,497,637                 30.10%
    归属于上市公司股东的所有者权益(千元)            21,407,481                  18,714,067                  14.39%
    股本(千股)                                      2,883,821                    2,883,821                     -
    归属于上市公司股东的每股净资产(元/股)              7.42                        6.49                     14.39%
                                              2012 年 7-9 月        比上年同期增减      2012 年 1-9 月 比上年同期增减
    营业收入(千元)                                2,663,189               28.65%           7,625,162          33.63%
    归属于上市公司股东的净利润(千元)              1,176,723               30.51%           3,334,617          30.43%
    经营活动产生的现金流量净额(千元)                  -                     -              16,566,777        (23.01%)
    每股经营活动产生的现金流量净额(元)                -                     -                  5.74          (23.01%)
    基本每股收益(元)                                0.41                  30.51%               1.16           30.43%
    稀释每股收益(元)                                0.41                  30.51%               1.16           30.43%
    扣除非经常性损益后的基本每股收益(元)            0.41                  30.21%               1.16           41.22%
    加权平均净资产收益率                              5.63%         提高 0.45 个百分点          16.62%     提高 1.48 个百分点
    扣除非经常性损益后的加权平均净资产收益率          5.63%         提高 0.44 个百分点          16.61%     提高 1.47 个百分点
    全面摊薄净资产收益率                              5.50%         提高 0.45 个百分点          15.58%     提高 1.25 个百分点
    扣除非经常性损益后的全面摊薄净资产收益率          5.50%         提高 0.43 个百分点          15.57%     提高 2.34 个百分点
       注:
       1、有关指标根据《公开发行证券的公司信息披露内容与格式准则第 2 号<年度报告的内容与格式>征求意见
       稿》(2011 年修订)及《公开发行证券的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》(2010 年修订)规定计算。
       2、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。
        扣除非经常性损益项目和金额
                                                                                单位:(人民币)千元
                              非经常性损益项目                                 2012 年 1-9 月金额
    1、非流动性资产处置损益                                                                11,022
    2、计入当期损益的政府补助                                                                 -
    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                       -
    4、除上述各项之外的其他营业外收入和支出                                                (9,038)
    合计对利润总额的影响                                                                    1,984
    减:所得税影响额                                                                         496
    合计                                                                                    1,488
       2、主要财务指标
                                     监管        2012 年    2011 年       2010 年             2009 年
              监管指标
                                     标准    9 月 30 日    12 月 31 日   12 月 31 日      12 月 31 日
    资本充足率(%)                         ≥8        14.66       15.36         16.20               10.75
    核心资本充足率(%)                     ≥4        11.89       12.17         12.50                9.58
    流动性比率(本外币)(%)                ≥25        44.38       52.19         46.90               46.69
    拆借资金比例 拆入资金比例             ≤8         5.96        2.76          1.08                6.04(人民币)(%)
               拆出资金比例           ≤8         1.87        0.59          0.21                0.37
    存贷款比例(本外币)(%)                ≤75        63.76       66.62         66.22               69.40
    不良贷款比率(%)                       ≤5         0.75        0.68          0.69                0.79
    拨备覆盖率(%)                        ≥150       236.87      240.74        196.15              170.06
    单一最大客户贷款比例(%)              ≤10         2.82        2.17          2.48                4.79
    最大十家单一客户贷款比例(%)          ≤50        17.94       18.31         17.43               33.78
    单一最大集团客户授信比例(%)          ≤15         4.55        3.23          3.67                6.74
    正常贷款迁徙 正常类贷款迁徙率                     1.30        3.96          2.33                4.88率(%)
               关注类贷款迁徙率                  11.25        8.80         18.15               74.24
    不良贷款迁徙 次级类贷款迁徙率                    41.51        4.49         34.27               17.92率(%)
               可疑类贷款迁徙率                  32.45       36.64         67.08               29.07
    利息收回率(%)                                    98.71       99.12         99.42               98.19
    总资产收益率(%)                                   1.48        1.24          1.09                1.09
    成本收入比(%)                                    32.08       36.38         38.14               41.37
    资产负债率(%)                                    93.68       92.82         93.97               94.04注:三季度总资产收益率为年化数据。
       3、资本构成情况
                                                                                        单位:(人民币)千元
                                  2012 年            2011 年             2010 年                 2009 年
          项   目                9 月 30 日        12 月 31 日         12 月 31 日             12 月 31 日
    资本净额                       26,265,008         23,031,480          20,163,883              10,441,892
    核心资本净额                   21,301,824         18,252,616          15,565,457              9,301,489
    附属资本                        4,968,565          4,784,245          4,658,742               1,261,855
    加权风险资产净额               179,183,292       149,993,362         124,484,846              97,105,336
    资本充足率                       14.66%             15.36%              16.20%                  10.75%
    核心资本充足率                   11.89%             12.17%              12.50%                  9.58%
    (二) 报告期末股东总数及前十名股东持股情况表
    报告期末股东总数(户)                                                 132,968
                                     前十名无限售条件流通股股东持股情况
                                                期末持有无限售条件                 股份种类及数量
                    股东名称                     股份的数量(股)              种类               数量
    宁波市财政局                                       270,000,000         人民币普通股           270,000,000
    新加坡华侨银行有限公司                             250,000,000         人民币普通股           250,000,000
    宁波市电力开发公司                                 181,236,383         人民币普通股           181,236,383
    宁波杉杉股份有限公司                               179,000,000         人民币普通股           179,000,000
    华茂集团股份有限公司                               179,000,000         人民币普通股           179,000,000
    雅戈尔集团股份有限公司                             140,000,000         人民币普通股           140,000,000
    宁波富邦控股集团有限公司                           134,250,000         人民币普通股           134,250,000
    卓力电器集团有限公司                               54,000,000          人民币普通股            54,000,000
    新加坡华侨银行有限公司(QFII)                     46,099,471          人民币普通股            46,099,471
    宁兴(宁波)资产管理有限公司                       44,750,000          人民币普通股            44,750,000
    (三) 银行业务数据
       1、分支机构和员工情况
                                                                                机构     员工       资产规模
    序号        机构名称                            营业地址
                                                                                 数       数        (千元)
    1             总行            宁波市鄞州区宁南南路 700 号                        1     1,210       96,142,965
    2          上海分行           上海市浦东新区世纪大道 210 号二十一世纪大         10      367        34,025,708
                               厦第 21-22 层
    3          杭州分行           杭州市西湖区保俶路 146 号                          6      292        14,849,500
    4          南京分行           南京市鼓楼区汉中路 120 号                          6      248        25,831,317
    5          深圳分行           深圳市福田区福华三路市中心区东南部时代财           4      241        23,292,721
                               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                        5      247        20,714,386
    7          温州分行           温州市鹿城区南浦路 260 号                          2      118        3,329,641
    8          北京分行           北京市东城区建国门内大街 28 号 B 座 1、2、3、      2      164        13,245,440
                               4层
    9          无锡分行           无锡市北塘区北大街 20 号 1、2 层                   1      102        10,041,191
    10            海曙支行      宁波市海曙区解放南路 135 号                    5       104      3,602,016
    11            江东支行      宁波市江东区中山东路 466 号                    6       144      8,130,615
    12            江北支行      宁波市江北区人民路 270 号                      6       122      8,436,837
    13            湖东支行      宁波市海曙区广济街 4 号                        2       72       4,905,283
    14            西门支行      宁波市海曙区中山西路 197 号                    5       101      3,502,199
    15            东门支行      宁波市江东区百丈东路 868 号                    4       87       2,592,244
    16            天源支行      宁波市海曙区柳汀街 230 号                      4       89       2,874,336
    17            灵桥支行      宁波市江东区彩虹南路 275 号                    4       90       2,765,822
    18         国家高新区支行   宁波市高新区江南路 651-655 号                  5       97       3,673,378
    19            四明支行      宁波市海曙区蓝天路 9 号                        5       109      8,648,163
    20            明州支行      宁波市鄞州区嵩江中路 199 号                    7       146      5,427,459
    21            北仑支行      宁波市北仑区新碶镇明州路 221 号                5       115      5,713,947
    22            镇海支行      宁波市镇海区车站路 18 号                       4       101      4,172,853
    23            鄞州支行      宁波市鄞州区钟公庙街道四明中路 666 号          8       150      6,629,306
    24            宁海支行      宁波市宁海县桃源街道时代大道 158 号            5       126      3,737,707
    25            余姚支行      宁波余姚市阳明西路 28 号                       6       130      5,008,891
    26            新建支行      宁波余姚市阳明西路 340-348 号                  5       92       2,623,067
    27            慈溪支行      宁波慈溪市慈甬路 207 号                        7       159      5,241,205
    28            城东支行      宁波慈溪市新城大道 483-495 号                  6       116      3,088,177
    29            象山支行      宁波市象山县丹城靖南路 274 号                  3       70       3,045,471
    30            奉化支行      宁波奉化市中山路 16 号                         5       84       3,621,267
    合计              166 家(含总行营业部下辖二级支行 1 个,社区支行 21 个)          5293     338,913,111
       2、资产总额及构成情况
                                                                                   单位:(人民币)千元
                                   2012 年              2011 年        2010 年              2009 年
    项     目
                                  9 月 30 日          12 月 31 日    12 月 31 日          12 月 31 日
    资产总额                         338,913,111      260,497,637        263,274,332          163,351,866
    -现金及存放中央银行款项         43,908,681           41,582,445     31,560,555           21,106,693
    -存放同业款项                   26,396,227           38,932,780      7,996,156           8,818,769
    -拆出资金                        3,962,750           1,000,000        300,000             536,550
    -交易性金融资产                  1,421,965           1,980,194        353,292             622,410
    -衍生金融资产                    2,673,675           1,687,630       2,249,556           1,029,475
    -买入返售金融资产               34,303,240           3,355,324      83,021,547           8,227,171
    -应收利息                        1,472,136           1,327,836        599,389             477,101
    -发放贷款和垫款                 137,327,450      120,741,933        100,194,454          80,767,830
    -可供出售金融资产               59,986,873           26,504,955      4,324,763           1,814,759
    -持有至到期投资                 16,538,494           17,555,337      9,838,342           11,735,107
    -应收款项类投资                  5,830,068           2,137,747      19,316,538           25,628,004
    -长期股权投资                      13,250              13,250         13,250               13,250
    -投资性房地产                      22,051              22,051         224,136             456,072
    -固定资产                        2,197,113           1,365,957       1,281,221            926,723
    -无形资产                          79,491              88,641         92,224               97,887
    -递延所得税资产                 903,718           628,352          644,549             314,631
    -其他资产                      1,875,929         1,573,205        1,264,360            779,434
    3、负债总额及构成情况
                                                                                 单位:(人民币)千元
                                 2012 年           2011 年          2010 年            2009 年
          项     目             9 月 30 日        12 月 31 日      12 月 31 日       12 月 31 日
    负债总额                     317,505,630        241,783,570      247,397,693        153,609,883-同业及其他金融机构
                               24,419,618        16,175,464        7,368,045         18,864,307存发放款项
    -拆入资金                    12,597,046        11,924,128        8,805,389          9,035,021
    -衍生金融负债                 2,577,369         1,883,333        2,246,004          1,028,347
    -卖出回购金融资产款          51,123,491        23,067,793        72,772,019         6,952,574
    -吸收存款                    211,425,060       176,736,656      145,827,979        110,752,461
    -应付职工薪酬                  460,001           423,909          284,006            121,367
    -应交税费                      516,805           655,101          360,344            270,219
    -应付利息                     2,625,152         1,790,994        1,107,076           671,544
    -应付债券                     7,479,644         7,474,222        7,467,900          4,971,340
    -递延所得税负债                684,448           471,072          592,441            314,934
    -其他负债                     3,596,996         1,180,898         566,491            627,769注:卖出回购金融资产款中包含系统外转贴现、再贴现。
    4、贷款总额及构成情况
                                                                                 单位:(人民币)千元
                             2012 年             2011 年           2010 年            2009 年
       项      目           9 月 30 日         12 月 31 日       12 月 31 日         12 月 31 日
    客户贷款及垫款            139,801,900         122,745,110       101,574,407        81,863,849
    -个人贷款及垫款         32,633,025         29,771,984        26,379,887         20,688,055
    -公司贷款及垫款         99,127,978         90,229,454        73,780,801         59,341,420
    -票据贴现               8,040,897           2,743,672         1,413,719          1,834,374
    减:贷款损失准备           2,474,450           2,003,177         1,379,953          1,096,019
    贷款及垫款净额            137,327,450         120,741,933       100,194,454        80,767,830
    5、存款总额及构成情况
                                                                                 单位:(人民币)千元
                          2012 年              2011 年            2010 年             2009 年
    项     目           9 月 30 日          12 月 31 日        12 月 31 日         12 月 31 日
    客户存款               211,425,060          176,736,656        145,827,979         110,752,461
    -活期存款             103,815,833          98,623,268         86,343,536          64,082,786
    个人               13,762,232           11,485,119          9,446,277           8,058,012
    公司               90,053,601           87,138,149         76,897,259          56,024,774
    -定期存款             107,609,227          78,113,388         59,484,443          46,669,675
        个人                31,882,562         22,658,084               19,283,867               16,073,293
        公司                75,726,664         55,455,304               40,200,576               30,596,382
       6、拆入资金
                                                                                             单位:(人民币)千元
                                   2012 年           2011 年                  2010 年                  2009 年
          项   目                 9 月 30 日       12 月 31 日               12 月 31 日           12 月 31 日
    拆入资金                         12,597,046        11,924,128                8,805,389             9,035,021
    -银行拆入                       12,597,046        11,924,128                8,805,389             9,035,021
       7、贷款五级分类情况
                                                                                             单位:(人民币)千元
    项目                 2012 年 9 月 30 日          2011 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         136,654,624           97.75     119,411,229           97.28       17,243,395              0.47
    关注类          2,102,636             1.50      2,501,779            2.04        (399,143)              (0.54)
    次级类              602,429           0.44       543,217             0.44          59,212                  -
    可疑类              242,426           0.17       100,459             0.08         141,967                0.09
    损失类              199,785           0.14       188,426             0.15          11,359               (0.01)
    合计            139,801,900         100.00     122,745,110       100.00          17,056,790                -
       8、报告期内,公司无重组贷款。
       9、贷款减值准备金计提和核销的情况
                                                                                             单位:(人民币)千元
                        项目                            2012 年 9 月 30 日                 2011 年 12 月 31 日
    期初余额                                                    2,003,177                          1,379,953
    本年计提                                                     480,384                            636,286
    本年核销                                                     (15,470)                              -
    本年转回                                                       6,359                             2,467
    其中:收回原转销贷款及垫款导致的转回                           6,359                             2,467
    已减值贷款利息拨回                                               -                             (15,529)
    其他                                                             -                                 -
    期末余额                                                    2,474,450                          2,003,177
       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。
    10、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                    1,327,836           144,300             1,472,136         -         个别认定
    贷款表外应收利息                 144,063             21,416              165,479          -               -
    11、营业总收入构成变动情况
                                                                                         单位:(人民币)千元
                项目              2012 年 1-9 月             2011 年 1-9 月             期间变动
                                 余额       占比(%)            余额        占比(%)      余额        占比(%)
    利息收入                       12,814,629     92.50        10,349,130        91.93   2,465,499       0.57
    -贷款利息收入                  8,168,539     58.97        5,855,370         52.01   2,313,169       6.96
    -拆放同业利息收入               22,145        0.16           15,674         0.14       6,471         0.02
    -存放央行款项利息收入           426,919       3.08           320,474        2.85      106,445        0.23
    -存放同业利息收入               899,769       6.50           498,519        4.43     401,250         2.07
    -债券投资利息收入               920,944       6.65           660,953        5.87      259,991        0.78
    -理财产品利息收入              1,438,352     10.38           565,583        5.02      872,769        5.36
    —买入返售金融资产              937,961        6.77        2,432,557         21.61   (1,494,596)    (14.84)
    手续费及佣金收入                 772,378       5.58           740,841        6.58      31,537        (1.00)
    其他业务收入                     24,183        0.17           13,100         0.12      11,083         0.05
    投资收益                         30,358        0.22         (27,019)       (0.24)      57,377         0.46
    汇兑损益                        (32,149)     (0.23)           384,695        3.42     (416,844)      (3.65)
    公允价值变动                     243,734       1.76        (203,520)       (1.81)      447,254        3.57
    合计                           13,853,133    100.00        11,257,227      100.00     2,595,906       0.00
    12、贷款行业、地区和客户类别集中度分析
    (1)     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                                                34,586,413                      24.74%
    2         批发和零售业                                          21,534,031                      15.40%
    3         租赁和商务服务业                                      14,064,451                      10.06%
    4         房地产开发贷款                                               7,273,850                         5.20%
    5         建筑业                                                       6,853,327                         4.90%
    6         水利、环境和公共设施管理和投资业                             5,936,833                         4.25%
    7         经营性物业贷款                                               3,845,380                         2.75%
    8         交通运输、仓储和邮政业                                       3,090,754                         2.21%
    9         公共管理和社会组织                                           2,104,900                         1.51%
    10        电力、燃气及水的生产和供应业                                 1,796,493                         1.29%
                       合    计                                        101,086,433                    72.31%
    (2)     报告期末,贷款地区分布情况
                                                                                                单位:(人民币)千元
                                          2012 年 9 月 30 日                             2011 年 12 月 31 日
           项目
                                 余额                     占比                          余额                  占比
    北京市                       4,479,275                   3.20%                        3,023,403              2.46%
    上海市                      14,074,722                   10.07%                      12,390,101              10.09%
    浙江省                      90,040,904                   64.41%                      83,492,570              68.03%
    其中:宁波市                76,852,396                   54.97%                      71,144,698              57.96%
    江苏省                      23,392,293                   16.73%                      18,228,707              14.85%
    广东省                       7,814,706                   5.59%                        5,610,329              4.57%
    贷款和垫款总额              139,801,900                 100.00%                      122,745,110            100.00%
    (3)     报告期末,贷款按担保方式分布情况
                                                                                                单位:(人民币)千元
                                            2012 年 9 月 30 日                         2011 年 12 月 31 日
              分类
                                          金额                  比例                  金额                   比例
            信用贷款                    24,996,930             17.88%           23,942,868                  19.51%
            保证贷款                    42,692,179             30.54%           37,176,577                  30.29%
            抵押贷款                    60,716,238             43.43%           54,067,030                  44.05%
            质押贷款                    11,396,553             8.15%                7,558,635               6.16%
      贷款和垫款总额                 139,801,900              100.00%           122,745,110                  100%
    (4)     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                      占资本净额比例
    客户 1           房地产开发贷款                                74,100                            2.82%
    客户 2           水利、环境和公共设施管理业                    50,000                            1.90%
    客户 3           租赁和商务服务业                              49,600                            1.89%
    客户 4           租赁和商务服务业                              48,931                            1.86%
    客户 5           水利、环境和公共设施管理业                    48,000                            1.83%
    客户 6      租赁和商务服务业                      44,600                         1.70%
    客户 7      房地产开发贷款                        41,000                         1.56%
    客户 8      建筑业                                39,400                         1.50%
    客户 9      公共管理、社会保障和社会组织          37,950                         1.44%
    客户 10     公司经营性物业贷款                    37,550                         1.43%
                    合    计                       471,131                        17.94%
    13、抵债资产
                                                                                  单位:(人民币)千元
    项 目             2011 年 12 月 31 日     本期增减         2012 年 9 月 30 日       跌价准备余额
    抵债资产                     127,193          -                    127,193                2,063
    14、前三季度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                             89,658,400                        1.27%
               企业定期存款                             65,695,870                        3.46%
               储蓄活期存款                             12,469,220                        0.48%
               储蓄定期存款                             27,035,070                        3.29%
                      合计                             194,858,570                        2.24%注:企业活期存款中包括企业协定存款。
    15、前三季度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                                       88,880,600                          7.66%
    中长期贷款                                             32,859,720                          7.45%
                  合计                               121,740,320                           7.60%注:一年以内短期贷款不包括贴现和垫款。
    16、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                                           31,963,897
             金融机构债券                                           2,070,360
               企业债券                                             1,062,120
              铁道部债券                                             112,750
               央行票据                                              77,290
                   合计                                           35,286,417
    17、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
    2011 记账式国债            14,505,000                 2.82~3.99         2014-3-10~2021-8-18
    2012 记账式国债            5,850,000                  2.91~3.25         2015-4-26~2019-9-6
    2010 记账式国债            4,418,000                  2.23~3.83        2013-3-18~2020-12-16
    2007 记账式国债            2,590,000                  2.93~4.52        2012-10-22~2037-5-17
    2008 记账式国债            1,470,000                  1.77~4.94        2013-4-21~2038-10-23
    2009 记账式国债            1,280,000                  2.26~4.30        2012-11-19~2059-11-30
    2008 金融债券             1,000,000                     8.00            2018-4-1~2018-7-3
    2012 企业债券              617,510                   3.40~5.65         2013-5-16~2017-9-10
    2003 记账式国债             530,000                   2.80~4.18         2013-4-9~2018-10-24
    18、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
    报告期内,公司财富管理业务保持稳定发展。2012 年前三季度,公司共发行 620 期理财产品,累计销售 924.53 亿元(不含活期化理财),基金产品累计销售 7.38 亿元,银保类产品累计销售 0.43 亿元。
    19、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                      2012 年 9 月 30 日                2011 年 12 月 31 日
    1、主要表外风险资产                          71,869,600                        56,302,835
        开出信用证                            9,186,842                         6,420,927
        银行承兑汇票                         36,988,730                        31,544,959
        开出保函                              2,572,821                         2,126,602
        贷款承诺                             23,121,207                        16,210,347
    2、资本性支出承诺                             323,821                            309,383
    3、经营性租赁承诺                            1,158,637                          1,119,655
    4、对外资产质押承诺                          25,393,000                        24,201,000
    20、衍生金融工具情况
                                                                                单位:(人民币)千元
                                                      2012 年 9 月 30 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
    外汇远期合同             16,620,383                        46,200                   39,604
    货币掉期合同             96,484,789                       399,108                  403,247
    利率互换合同             55,859,255                      2,184,524                2,131,265
    期权合同                 447,858                         43,844                   3,253
      合计                169,412,286                     2,673,675                2,577,369
    (四) 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,是指交易对手因各种原因可能无法或者不愿意履行对公司按约定负有的义务和由于交易对手信用等级下降所产生的损失。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。
    公司通过对信用风险的识别、计量、监测、控制/缓释、报告来实现对信用风险的有效管理。通过设计合理的制度和控制流程来确保信用风险得到有效识别,并采取适当的措施来控制信用风险。公司在信贷政策制订、授信前尽职调查、客户信用评级(或评分)、担保评估、贷款审查和审批、放款、授信后管理等多个环节识别和控制信用风险。
    公司按照监管部门的要求,对贷款风险进行计量,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,对信贷资产进行风险分类,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。通过实施十级贷款分类制度,以量化的形式揭示了贷款的实际价值和风险程度。公司根据分类的不同计提不同比例的拨备,确保信用风险抵御能力的有效性。
    公司持续建设完善的信用风险监测体系,探索先进的风险管理技术和手段。风险监测范围包括宏观经济走势、行业发展趋势、客户自身经营情况、客户信用行为等;公司执行双线双向风险预警管理机制,从业务条线到管理部门,从管理部门到业务条线,确保预警信息收集渠道畅通以及预警信息迅速得到处理。公司根据预警信息对资产的影响程度,启动相应的预警行动方案,在早期防范和应对信用风险。
    报告期内,公司在认真分析研究国内外经济形势及银行业面临风险的基础上,加强了对信用风险的管控。公司继续完善风险客户预警体系建设,强化预警日常管理,提升系统性风险预警能力,通过预警管理交流平台通报预警客户情况、地域风险状况、风险特征等,讨论处置方案及监控处置方案进展。完成公司银行条线新授信后检查模块的上线,优化检查报告模板,引进质量评分模块,修订《授信后管理尽职办法》和《授信后检查操作规程》,着力提升大中企业客户的授信后管理质量。加大对热点风险的排查力度,开展系统性风险排摸,针对敏感行业及敏感业务,如光伏行业、票据业务等展开专项排查,及时发现和应对潜在风险,确保信用风险可控。公司制定了零售打分卡监控管理框架,完成零售贷后管理优化工作。
    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 2012 年 9 月 30 日,公司最大单一客户贷款余额 74,100 万元,占资本净额(2,626,501 万元)的比例为 2.82%,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 2012 年 9 月 30 日,公司最大单一集团客户授信敞口 119,400 万元,占资本净额(2,626,501 万元)的比例为 4.55%,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 2012 年 9 月 30 日,公司最大十家客户贷款余额 471,131 万元,占资本净额(2,626,501 万元)的比例为 17.94%。
    (4)   单一关联方授信比例
    截止 2012 年 9 月 30 日,公司最大单一关联方授信敞口 60,180 万元,占资本净额(2,626,501 万元)的比例为 2.29%,符合银监会规定的不高于 10%的要求。
    (5)   全部关联度
    截止 2012 年 9 月 30 日,公司全部关联方实际使用授信敞口 241,656 万元,占资本净额(2,626,501 万元)的比例为 9.20%,符合银监会规定的不高于 50%的要求。
    2、流动性风险
    流动性风险是指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。
    公司结合宏观经济形势和金融监管政策变化,按照银监会《商业银行流动性风险管理指引》及相关要求,不断加强流动性风险制度建设,改进流动性风险管理技术,完善流动性风险限额指标体系,实施现金流量缺口的每日监测;积极开展压力测试和流动性应急演练,切实提高流动性风险管理能力。
    报告期内,公司密切跟踪货币市场流动性状况,持续监控公司的资产负债的结构和期限,每月召开资产负债管理委员会会议,审议全行流动性风险状况和应对措施。研究流动性溢价方案,逐步将流动性风险因素嵌入内部资金转移定价体系,通过价格引导分支行按照总行的流动性管理策略开展业务。制定分行同业业务和票据业务流动性风险管理政策,指导分行在总行流动性风险管理要求内发展业务。优化资金头寸划拨流程,进一步加强分行资金头寸管理。持续监控各项流动性风险指标,定期发布LCR/NSFR指标水平,确保各项指标在监管要求和董事会风险容忍度以内。
    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 2012 年 9 月 30 日,公司流动性资产余额 5,482,522 万元,流动性负债余额 12,354,412 万元,流动性比例 44.38%,符合银监会规定的不低于 25%的要求。
    (2)    流动性缺口率
    截止 2012 年 9 月 30 日,公司 90 天内到期的流动性缺口为-1,118,343 万元,流动性缺口率-9.98%,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 2012 年 9 月 30 日,公司人民币超额备付金余额 605,792 万元,与人民币各项存款余额的比例为4.86%。
    (4)    存贷款比例
    截止 2012 年 9 月 30 日,公司各项贷款余额 1,398.02 亿元,其中金融债关联贷款 50 亿元,各项存款余额 2,114.25 亿元,存贷款比例(不含金融债关联贷款)63.76%,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。
    公司对市场风险实行限额管理,根据市场环境和资金业务的发展状况,及时调整利率敏感性指标限额、止损限额、风险价值限额、流动性限额等市场风险限额并每日进行监控。积极实施市场风险压力测试,除月末执行外,凡遇市场重大波动等紧急情况将进行紧急场景压力测试并发布预警信息。通过交易期限调整、同类产品之间对冲以及利用利率衍生产品进行对冲等方式,保证利率风险合理、可控。通过交易日日间管控、代客交易日终头寸管控等手段,确保汇率风险合理、可控。
    报告期内,公司根据资金业务发展计划和市场状况,及时调整了 2012 年市场风险限额,确保在市场风险可控的前提下资金业务的健康发展。成功实现 Summit 新资金一体化系统上线运行,理财资产池系统开发按计划有序推进,市场风险管控水平系统化水平进一步提高。同时加强交易账户风险监控与报告,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 2012 年 9 月 30 日,公司累计外汇敞口头寸余额 89,440 万元,资本净额 2,626,501 万元,累计外汇敞口头寸比例 3.41%,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。操作风险主要来源于四类风险因素:人员风险、流程风险、系统风险、外部事件风险。
    公司加强各级员工的思想教育、合规教育、风险意识教育、业务知识和技能培训,实行持证上岗制度,实施前中后台以及不相容岗位严格的职责分离,建立并实施中高级管理人员和重要岗位轮岗和强制休假制度,实行员工谈话、家访、重大事项报告以及行为排查制度,积极防范员工操作风险和道德风险。加强制度建设,逐步建立一整套涵盖所有业务经营和管理活动的内控制度和流程,并通过实施制度后评价、新产品审批、RCSA 评估、各级监督检查、全员合规评价、分支行内控评级等措施,及时完善和改进制度流程,强化制度执行力,在流程上防范操作风险。加强信息科技管理,通过实行系统开发和运行分离、OA 办公系统与因特网物理隔离、程序开发和上线审批、程序更新控制、加强系统监控预警和审计、建设异地灾备、制定重要信息系统应急预案并定期演练等措施,确保信息系统安全。建立案件防控工作目标管理责任制,完善案防工作制度,实施案件问责和员工违规失职行为责任追究,同时通过采取定期排查和不定期排查以及年度案件专项治理等方式,多方位、多渠道排查案件风险,及时发现和消除风险隐患,不断提升案件防控能力。
    报告期内,为加强对各分支行,特别是分行的操作风险防控,公司在全行推广了“操作风险 18 字检查”工作,对易发操作风险的 18 个重点领域进行严密排查。同时,针对银行案件更加多样化、复杂化、高科技化等特点,公司在做好全行操作风险的日常管理、监测、分析和报告的基础上,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。建立案防评估机制,评估公司对不同案例作案手段的防御力。组织了 2012 年度案件专项治理工作,通过分支行自查、总行案专检查组复查相结合的方式重点针对 “信贷五假二冒”进行了排查。印发了《宁波银行员工道德风险管理工作手册》,从员工入职管理、日常管理、道德风险信息管理、案(事)件处置等方面对员工道德风险管理工作进行了规范,确保员工道德风险管理工作实效。制定了《宁波银行上门服务业务管理办法》和《柜面从业人员“十禁”规定》,以有效遏制因柜员违规操作引发的重大案件风险。制定及修订了《重要信息系统突发事件应急管理办法》、《信息系统突发事件应急预案》和《信息系统灾难恢复预案》等制度,逐步建立 IT应急管理与灾备恢复制度体系架构。
    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。继续推进合规工作,加强机构、员工合规考核和合规检查,进一步提升全行员工的合规意识。建立建成总分支三级内部控制制度体系,确保内控制度的完整、规范、科学,覆盖业务经营和管理活动的全过程。
    (二) 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化管理。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、房地产贷款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,并制定相关应对措施,以预防极端事件对公司带来的冲击。
      5、风险预警
    报告期内,公司着重提升预警的针对性、有效性,建立和完善预警的持续跟踪化解机制,推进全行预警工作再上一个新台阶。通过推广应用预警日志管理办法,进一步健全风险预警管理组织架构,以确保全行资产质量安全。
    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。二、 重要事项
    (一) 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 2012 年 9 月 30 日,本公司主要经营情况如下:
      1、1-9 月实现净利润 33.35 亿元,同比提高 30.43%。基本每股收益 1.16 元,比上年同期增加 0.27
           元。
      2、总资产 3,389.13 亿元,比年初增加 784.15 亿元,增幅 30.10%。
      3、贷款余额 1,398.02 亿元,比年初增加 170.57 亿元,增幅 13.90%。
      4、存款余额 2,114.25 亿元,比年初增加 346.88 亿元,增幅 19.63%。
      5、股东权益 214.07 亿元,比年初增加 26.93 亿元,增幅 14.39%。全面摊薄净资产收益率 15.58%,
           比上年同期提高 1.25 个百分点。
      6、按照“五级分类”标准, 不良贷款余额 10.45 亿元,不良贷款率 0.75%,比年初提高 0.07 个百分
           点。拨备覆盖率为 236.87%,比年初下降 3.87 个百分点。
      7、变动幅度在 30%以上的主要报表项目和财务指标及其主要原因。
                                                                                     单位:(人民币)千元
                  项 目              2012 年 1-9 月        比上年同期增减             主要原因
    公允价值变动收益(损失以“-”填列)       243,734                219.76%       公允价值变动收入增加
    投资收益(损失以“-”填列)                30,358                212.36%       投资收益增加
    汇兑收益(损失以“-”填列)               (32,149)              (108.36%)      外汇业务损益
    其他业务收入                             24,183                 84.61%       房屋租赁收入增加
    资产减值损失                            480,384                 30.56%       贷款规模增加
    营业外收入                               16,601                (91.95%)      营业外收入减少
    营业外支出                               14,618                 43.88%       营业外支出增加
    所得税                                  866,123                 49.08%       利润总额增加
                                                                                        单位:(人民币)千元
                  项目              2012 年 9 月 30 日       比年初增减                主要原因
    存放同业款项                           26,396,227              (32.20%)      存放境内同业款项减少
    拆出资金                               3,962,750               296.28%       拆出资金增加
    衍生金融资产                           2,673,675                58.43%       衍生金融资产增加
    买入返售金融资产                       34,303,240              922.35%       买入返售金融资产增加
    可供出售金融资产                      59,986,873              126.32%           可供出售金融资产增加
    应收款项类投资                        5,830,068               172.72%           应收款项类投资增加
    固定资产                              2,197,113               60.85%            固定资产增加
    递延所得税资产                         903,718                43.82%            递延所得税资产增加
    同业及其他金融机构存放款项            24,419,618              50.97%            同业存放款项增加
    衍生金融负债                          2,577,369               36.85%            衍生金融负债增加
    卖出回购金融资产款                    51,123,491              121.62%           卖出回购金融资产款增加
    应付利息                              2,625,152               46.58%            应付利息增加
    其他负债                              3,596,996               204.60%           其他负债增加
           (二) 重大事项进展情况及其影响和解决方案的分析说明
           1、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。
           2、日常经营重大合同的签署和履行情况
           报告期内,公司无重大托管、承包、租赁、委托理财等重大合同事项。
           (三) 公司或持股 5%以上股东在报告期内或持续到报告期内的承诺事项
                                                                                     承诺期
       承诺事项                 承诺人                承诺内容         承诺时间                       履行情况
                                                                                         限
    股改承诺                 无                     无                     无           无        无收购报告书或权益变动报
                         无                     无                     无           无        无告书中所作承诺
    资产置换时所作承诺       无                     无                     无           无        无
                         宁波市财政局、新加波
                                                自公司股票在深圳证                            限售期内,上述承诺得到
                         华侨银行有限公司、宁
                                                券交易所上市交易之                            严格履行。上述限售股份
                         波杉杉股份有限公司、
                                                日起 36 个月内,不转                          上市流通日为 2010 年 7
                         雅戈尔集团股份有限公                          2007 年 7
    发行时所作承诺                                  让或者委托他人管理                  36 个月 月 19 日。2010 年 7 月 19
                         司、宁波富邦控股集团                          月 19 日
                                                其直接和间接持有的                            日,上述股东持有的
                         有限公司、宁波市电力
                                                公司股份,也不由公                            1,415,000,000 股限售股
                         开发公司和华茂集团股
                                                司收购该部分股份。                            份上市流通。
                         份有限公司其他对公司中小股东所作
                         无                     无                     无           无        无承诺
                         宁波市电力开发公司、
                         新加坡华侨银行有限公
                                                自发行结束之日起,
                         司、雅戈尔集团股份有                          2010 年 10
    非公开发行认购对象承诺                          36 个月内不转让本                   36 个月 严格履行
                         限公司、宁波富邦控股                          月 25 日
                                                次认购的股份
                         集团有限公司、宁波华
                         茂集团股份有限公司
    承诺是否及时履行         是未完成履行的具体原因及下一步计划是否就导致的同业竞争和
                         否关联交易问题作出承诺承诺的解决期限解决方式
    承诺的履行情况               严格执行
             (四) 对 2012 年度经营业绩的预计
    2012 年度归属于上市公司股东的净利润变动幅度                              20%            至             30%
    2012 年度归属于上市公司股东的净利润变动区间(千元)                   3,904,212         至          4,229,563
    2011 年度归属于上市公司股东的净利润(千元)                                         3,253,510
    业绩变动的原因说明                                                       业务规模扩大,盈利能力增强
             (五) 其他需说明的重大事项
              1、证券投资情况
                                                    最初投资成     期末持有    期末账面 占期末证券总 报告期损
    序号       证券品种   证券代码     证券简称
                                                     本(元)      数量(股) 价值(元) 投资比例(%) 益(元)
         1        A股       600830      香溢融通     3,865,855      750,000    4,920,000           100               -
                 期末持有的其他证券投资                  -             -             -              -                -
                报告期已出售证券投资损益                 -             -             -              -                -
                           合计                      3,865,855      750,000    4,920,000           100               -
             证券投资审批董事会公告披露日期                                         不适用
             证券投资审批股东会公告披露日期                                         不适用
              2、衍生品投资情况报告期衍生品持仓的风险分析及控制措施说明(包 我行在叙做新类型衍生品之前,通过新产品委员会对各类型风险括但不限于市场风险、流动性风险、信用风险、操 进行充分的识别、分析和评估,采用久期、限额管控、风险价值、
    作风险、法律风险等)                                   压力测试、授信额度管理等方法对衍生品进行风险计量和控制。已投资衍生品报告期内市场价格或产品公允价值 报告期内我行已投资衍生品市场价格或公允价值随市场交易参数变动的情况,对衍生品公允价值的分析应披露具体 变化而波动,衍生品估值参数按具体产品设定,与行业惯例相一
    使用的方法及相关假设与参数的设定                       致,公允价值计量采用中后台估值系统提供的模型方法进行估值。报告期公司衍生品的会计政策及会计核算具体原
                                                                                         无则与上一报告期相比是否发生重大变化的说明
                                                       本行独立董事理解,衍生品交易业务是公司经中国银行业监督管独立董事对公司衍生品投资及风险控制情况的专
                                                       理委员会批准的常规银行业务之一。报告期内,公司重视该项业项意见
                                                       务的风险管理,对衍生品交易业务的风险控制是有效的。
              3、报告期末衍生品投资的持仓情况
                                                                                                   单位:(人民币)千元
                                                                                                  期末合约金额占公司
    合约种类                 期初合约金额          期末合约金额         报告期损益情况
                                                                                                  报告期末净资产比例
    外汇远期                      16,544,187          16,620,383              18,353                      77.64%
    货币掉期                      40,534,706          96,484,789              131,740                     450.71%
    利率互换                      35,780,125          55,859,255              89,941                      260.93%
    期权合同                       171,246             447,858                (26,306)                     2.09%
    合计                          93,030,264         169,412,286              213,728                     791.37%
       4、报告期内接待调研、沟通、采访等活动登记表
       接待时间       接待地点    接待方式 接待对象类型      接待对象      谈论的主要内容及提供的资料
    2012 年 2 月 29 日 公司会议室 实地调研       机构         中信证券         2011 年度业绩快报
    2012 年 2 月 29 日 公司会议室 实地调研       机构         东方证券         2011 年度业绩快报
    2012 年 3 月 7 日 公司会议室 实地调研        机构         瑞银证券         2011 年度业绩快报
    2012 年 3 月 7 日 公司会议室 实地调研        机构         招商证券         2011 年度业绩快报
    2012 年 3 月 22 日 公司会议室 实地调研       机构         银河证券         2011 年度业绩快报
                                                          浙商证券、
    2012 年 5 月 30 日 公司会议室 实地调研       机构                          2012 年第一季度报
                                                          信达证券
                                                          宏源证券、
    2012 年 6 月 5 日 公司会议室 实地调研        机构         国金通用基金、 2012 年第一季度报
                                                          泰康资产
    2012 年 6 月 14 日 公司会议室 实地调研       机构         工银瑞信         2012 年第一季度报
    2012 年 6 月 28 日 公司会议室 实地调研       机构         野村证券         2012 年第一季度报
                                                          券商、基金等各
    2012 年 8 月 30 日 公司会议室 电话沟通       机构                          2012 年半年度报告
                                                          类投资者
                     宁波南苑饭                           券商、基金、个 公司治理、发展战略、经营状
    2012 年 9 月 11 日                网络沟通   机构、个人
                     店                                   人等各类投资者 况、可持续发展等
    2012 年 9 月 12 日 公司会议室 实地调研       机构         申银万国         2012 年半年度报告
       5、发行公司债券情况
       报告期内,除已披露者外,公司没有发行公司债事项。
    (六) 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
       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。根据 2012 年 9 月底本行关联自然人授信业务统计数据,抵押项下贷款业务敞口余额为19,700.66 万元,质押项下为 0 万元,保证项下为 150 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                                                                       19,701
    质押                                                                         -
    保证                                                                        150
    信用                                                                         -
    合计                                                                       19,851
       2、关联自然人在本行发生 30 万元以上交易情况
       根据证监会商业银行信息披露特别规定,2012 年三季度关联自然人与本行金额在 30 万元以上的交易共 171 笔,发生日合计业务余额 11466 万元,扣除保证金后敞口 11106 万元,截至 9 月底扣除保证金后敞口 7,326.94 万元。
       3、持股 5%以上股东关联方的授信实施情况
       根据董事会 2012 年度对本公司关联授信控制的目标和要求,对占比 5%以上股东关联方“宁波杉杉股份有限公司、雅戈尔集团股份有限公司、宁波富邦控股集团有限公司、宁波市电力开发公司、华茂集团股份有限公司” 单户最高授信限额不超过 10 亿元,股东关联体最高授信限额不超过 15 亿元,上述五家非自然人股东授信余额合计不超过 45 亿元。
    (1)    宁波市财政局
       报告期内,公司未授信。
    (2)    新加坡华侨银行有限公司
       截至 2012 年 9 月底,我行给予新加坡华侨银行授信额度为人民币 20 亿元,其中预清算 10.50 亿元、利率互换 0.5 亿元、信用拆借/同业存款 2 亿元、期权 7 亿元,目前在本行风险敞口 4.68 亿元,其中预清算 4.68 亿元;我行给予华侨银行(中国)有限公司授信额度为人民币 12 亿元,其中预清算 4 亿元、利率互换 3 亿元,信用拆借/同业存款 5 亿元、期权 1 亿元。实际风险敞口为 5.07 亿元,其中预清算 2.63 亿元、利率互换 2.44 亿元。
    (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        备注
    序号             企业名称            周转额度         实际业务余额
                                                                        实际业务余额
                                     2200        流贷 2100              2100
    1        杉杉集团有限公司
                                                 中长期贷款 7800        7800
                                                 流贷 1000
                                     3000                               1500
                                                 国内采购 500
         宁波杉杉实业发展有限公
    2                                    USD1000     开证 5254.63           4889.20         进口
         司
                                     USD500      出口押汇 413.54        413.54          出口
    3        宁波杉杉物产有限公司        -           开证 3881.00           -
    4        上海杉杉科技有限公司        2000        银承 2379.41           1253.95
                                                 流贷 350
    5        宁波意丹奴服饰有限公司      500                                455
                                                 银承 210
                                                 国内采购 9000
    6        宁波顺诺贸易有限公司        10000                              10000
                                                 国内买方代付 5000
                                     4200        流贷 1870              1870
         宁波经济技术开发区汇星                  开证 1145.65
    7                                    USD500                             1477.31         进口
         贸易有限公司                            进口押汇 331.67
                                     USD80       -                      -               出口
         宁波大榭开发区德辉贸易
    8                                    -           贴现 9000              -
         有限公司
         宁波贝儿森孕婴用品有限
    9                                    -           流贷 700               700
         公司
         宁波杉杉新材料科技有限
    10                                   4000        银承 7.35              4.04
         公司
         宁波杉工结构监测与控制
    11                                   400         保函 145.54            68.82           单项
         工程中心有限公司
                                                 流贷 3000
         宁波尤利卡太阳能科技发
    12                                   13000       国内采购 6000          9268.79
         展有限公司
                                                 国内开证 347.59
                                     8000        银承 9043.24           4521.62         单项
                                         2000          -                         -                出口
           合计                                        69479.61                  46322.27
        (4)    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 52098.91
                                           94000                             59529.35       进口
    1         中基宁波集团股份有限公司                     代付 7430.44
                                           1000            远期结汇 651.09   651.09         金融衍生品
              宁波中基凯丰汽车销售服务
    2                                                      流贷 1100         1100
              有限公司
              宁波经济技术开发区中基进     USD965          开证 3757.56      3757.56        进口
    3
              出口有限公司                 USD35           押汇 45.11        22.60          出口
                                                           开证 1439.17
              宁波雅戈尔国际贸易运输有     4500            代付 1569.82      3705.40        进口
    4
              限公司                                       押汇 696.41
                                           500             -                 -              单项
                                                           开证 210.82
                                           4500                              210.82         进口
              宁波保税区华东进口商品市                     押汇 79.51
    5
              场开发有限公司               1000            -                 -
                                           100             -                 -              金融衍生品
              合计                                         69078.83          68976.82
        (5)    宁波富邦控股集团有限公司及关联体
                                                                                            金额单位:万元
                                           周转额                                扣除保证金后
    序号                   企业名称                                  实际余额                               备注
                                             度                                  实际业务余额
    1          宁波富邦控股集团有限公司       8500         流贷 8500                 8500
                                                       流贷 11300
                                          14800        国内采购 2475             14450
           宁波市家电日用品进出口有                    国内买方代付 1462.52
           限公司                                      国内开证 200              -
                                          USD500       -                         -               进口
                                          500          -                         -               金融衍生品
                                          7300         流贷 7300                 7300
    3          宁波亨润聚合有限公司
                                          USD420       开证 1498.80              1422.24         进口
                                          5200         -                         -               商票保贴
                                                       贴现 150
                                                                                 9800
                                                       商票保贴 10890
    4          宁波富邦家具有限公司
                                                       代付 282.17
                                          USD100       押汇 24.72                283.57          进口
                                                       开证 27.74
                                               2000        流贷 2000                 2000
    5              宁波亨润塑机有限公司
                                                           国内议付 200              -
                                               9800        -                         -                 商票保贴
                                                           商票保贴 5200
    6              宁波亨润家具有限公司                                                  5200
                                                           贴现 60
                                                           代付 2375.49
                                               USD450                                2329.42           进口
                                                           押汇 374.54
                                                           贷款 2000
    7              宁波家私有限公司                3000                                  3000
                                                           国内采购 1000
    8              宁波富邦格林家具有限公司        4000        银承 8000                 4000              单项
    9              宁波富邦精业贸易有限公司                    银承 500                  300
               合计                                        65820.96                  58585.23
            (6)    宁波市电力开发公司及关联体
                                                                                                    金额单位:万元
                                                                                     扣除保证金后
            序号              企业名称            周转额度              实际余额                         备注
                                                                                     实际业务余额
                                                                    开证 784.07
                                                 USD600             押汇 200.67      1424.62
        1             宁波宁电进出口有限公司                        代付 439.88
                                                 1000               远期结汇 24.66   24.66           金融衍生品
                                                 1000               -                -
                      合计                                          1449.28          1449.28
            (7)    华茂集团股份有限公司及关联体
                                                                                                    金额单位:万元
                                                                                     扣除保证金后
        序号                 企业名称                 周转额度       实际业务余额                         备注
                                                                                     实际业务余额
    1              华茂集团股份有限公司           15000             贷款 15000       15000             行内银团
    2              宁波茂煊国际贸易有限公司       10000             开证 1358.66     1358.66
                                                                    流贷 2330
                                                  18000                              3582.07
                                                                    银承 1565.09
                                                                    代付 2378.74
                                                  17574.14                           16034.87          进口
    3              浙江华茂国际贸易有限公司                         开证 13656.13
                                                                    远期结汇
                                                  2000              488.89           497.06            金融衍生品
                                                                    货币掉期 8.17
    4              宁波华茂科技股份有限公司       10000             流贷 10000       10000
                   合计                                             46785.68         46472.66
             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,2012 年三季度,宁波杉杉股份有限公司、雅戈尔集团股份有限公司、宁波富邦控股集团有限公司、宁波市电力开发公司、华茂集团股份有限公司所发生的上述三类关联交易情况为:
    (1)    经统计,2012 年三季度发生的交易金额占商业银行最近一期经审计净资产的 0.5%以上的一般关联交易共 2 笔;
    (2)    经统计,2012 年三季度未发生重大关联交易;
    (3)    经统计,2012 年三季度未发生特别重大关联交易;
    根据 2012 年三季度一般关联交易、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。
    (二) 报告期内公司无重大对外担保事项
    报告期末,公司担保业务(保函)余额为 257,282 万元人民币,公司对外担保业务是经中国人民银行和中国银行业监督管理委员会批准的常规银行业务之一。
    (三) 重大诉讼事项
         性质                  涉案金额(万元)                            件数
    1、主诉案件                          84,702                                426
    其中:今年起诉的案件                 50,879                                148
    2、被诉案件                            92                                   3
    其中:今年起诉的案件                   92                                   3
    (四) 报告期内无重大投资、收购、出售资产、设备采购事项
    (五) 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○一二年十月二十五日
                                            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                                                  2012 年 9 月 30 日          2011 年 12 月 31 日资产
    现金及存放中央银行款项                                   43,908,681                  41,582,445
    存放同业款项                                             26,396,227                  38,932,780
    拆出资金                                                   3,962,750                  1,000,000
    交易性金融资产                                             1,421,965                  1,980,194
    衍生金融资产                                               2,673,675                  1,687,630
    买入返售金融资产                                         34,303,240                   3,355,324
    应收利息                                                   1,472,136                  1,327,836
    发放贷款和垫款                                          137,327,450                  120,741,933
    可供出售金融资产                                         59,986,873                  26,504,955
    持有至到期投资                                           16,538,494                  17,555,337
    应收款项类投资                                             5,830,068                  2,137,747
    长期股权投资                                                13,250                      13,250
    投资性房地产                                                22,051                      22,051
    固定资产                                                   2,197,113                  1,365,957
    无形资产                                                    79,491                      88,641
    递延所得税资产                                              903,718                    628,352
    其他资产                                                   1,875,929                  1,573,205
    资产总计                                                338,913,111                  260,497,637负债及所有者权益
    同业及其他金融机构存放款项                               24,419,618                  16,175,464
    拆入资金                                                 12,597,046                  11,924,128
    衍生金融负债                                               2,577,369                  1,883,333
    卖出回购金融资产款                                       51,123,491                  23,067,793
    吸收存款                                                211,425,060                  176,736,656
    应付职工薪酬                                                460,001                    423,909
    应交税费                                                    516,805                    655,101
    应付利息                                                   2,625,152                  1,790,994
    应付债券                                                   7,479,644                  7,474,222
    递延所得税负债                                              684,448                    471,072
    其他负债                                                   3,596,996                  1,180,898
    负债合计                                                317,505,630                  241,783,570
    股本                                                       2,883,821                  2,883,821
    资本公积                                                   7,923,298                  7,987,736
    盈余公积                                                   1,079,488                  1,079,489
    一般风险准备                                               1,499,934                  1,244,847
    未分配利润                                                 8,020,940                  5,518,174
    股东权益合计                                             21,407,481                  18,714,067
    负债和股东权益总计                                      338,913,111                  260,497,637
    法定代表人:陆华裕         行长:罗孟波      主管会计工作的负责人:罗维开        会计机构负责人:孙洪波
                                              利 润 表
                                              (未经审计)
    编制单位:宁波银行股份有限公司                                           金额单位:(人民币)千元
                        项目                           2012 年 1-9 月           2011 年 1-9 月
    一、营业收入                                            7,625,162                5,706,374
    利息净收入                                          6,700,913                4,888,794
       利息收入                                         12,814,629               10,349,130
       利息支出                                        (6,113,716)              (5,460,336)
    手续费及佣金净收入                                    658,123                  650,324
       手续费及佣金收入                                   772,378                  740,841
       手续费及佣金支出                                 (114,255)                 (90,517)
    公允价值变动收益(损失以“-”填列)                     243,734                (203,520)
    投资收益(损失以“-”填列)                             30,358                  (27,019)
    汇兑收益(损失以“-”填列)                            (32,149)                  384,695
    其他业务收入                                          24,183                   13,100
    二、营业支出及损失                                     (3,426,406)              (2,764,872)
       营业税费                                         (499,371)                (390,780)
       业务及管理费                                    (2,446,469)              (2,004,047)
       资产减值损失                                     (480,384)                (367,934)
       其他业务成本                                        (183)                   (2,111)
    三、营业利润                                            4,198,756                2,941,502
       加:营业外收入                                     16,601                   206,316
       减:营业外支出                                    (14,618)                 (10,160)
    四、以前年度损益调整                                          -                       -
    五、利润总额                                            4,200,740                3,137,658
       减:所得税                                       (866,123)                (580,967)
    六、净利润                                              3,334,617                2,556,691七、每股收益:
    (一)基本每股收益                                        1.16                   0.89
    (二)稀释每股收益                                        1.16                   0.89
    八、其他综合收益                                         (64,437)                 (15,837)
    九、综合收益总额                                        3,270,180                2,540,854
    其中:归属于母公司所有者的综合收益总额              3,270,180                2,540,854
          归属于少数股东的综合收益总额
    法定代表人:陆华裕           行长:罗孟波     主管会计工作的负责人:罗维开     会计机构负责人:孙洪波
                                           利 润 表
                                           (未经审计)
      编制单位:宁波银行股份有限公司                                      单位:(人民币)千元
                        项目                        2012 年 7-9 月           2011 年 7-9 月
    一、营业收入                                       2,663,190                 2,070,160
      利息净收入                                     2,362,700                 1,811,587
         利息收入                                    4,517,374                 3,655,463
         利息支出                                   (2,154,674)               (1,843,876)
      手续费及佣金净收入                               224,483                  400,145
         手续费及佣金收入                              270,752                  432,931
         手续费及佣金支出                             (46,269)                 (32,786)
      公允价值变动损益                               (181,568)                 (301,775)
      投资收益                                         14,117                  (13,605)
      汇兑收益                                         236,335                  171,746
      其他业务收入                                      7,122                    2,061
    二、营业支出及损失                                (1,179,158)                (943,875)
         营业税金及附加                              (184,336)                 (152,388)
         业务及管理费                                (854,390)                 (697,769)
         资产减值损失                                (140,432)                 (92,915)
         其他业务成本                                     -                      (803)
    三、营业利润                                       1,484,032                 1,126,285
         加:营业外收入                                 5,398                    1,202
         减:营业外支出                                (5,501)                  (4,305)
    四、以前年度损益调整                                    -                        -
    五、利润总额                                       1,483,929                 1,123,182
         减:所得税费用                              (307,206)                 (221,534)
    六、净利润                                         1,176,723                  901,648
    七、每股收益:
    (一)基本每股收益                                 0.41                     0.31
    (二)稀释每股收益                                 0.41                     0.31
    八、其他综合收益                                   (140,350)                  (1,328)
    九、综合收益总额                                   1,036,373                  900,320
      其中:归属于母公司所有者的综合收益总额         1,036,373                  900,320
            归属于少数股东的综合收益总额                  -                        -
    法定代表人:陆华裕         行长:罗孟波    主管会计工作的负责人:罗维开      会计机构负责人:孙洪波
                                              现金流量表
                                               (未经审计)
    编制单位:宁波银行股份有限公司                                                 金额单位:(人民币)千元
                          项     目                           2012 年 1-9 月        2011 年 1-9 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                                42,932,557            30,745,055
    向其他金融机构拆入资金净增加额                                      -                9,176,850
    收取利息、手续费及佣金的现金                                  11,134,080            10,467,607
    收到其他与经营活动有关的现金                                   2,655,636             1,953,659
    经营活动现金流入小计                                      56,722,273            52,343,171
    客户贷款及垫款净增加额                                        17,056,791            15,434,482
    存放中央银行和同业款项净增加额                                 8,336,020             6,556,847
    向其他金融机构拆入资金净减少额                                 4,780,870                 -
    支付利息、手续费及佣金的现金                                   5,393,812             5,041,383
    支付给职工及为职工支付的现金                                   1,273,195             1,032,097
    支付的各项税费                                                 1,590,976              934,558
    支付其他与经营活动有关的现金                                   1,723,832             1,823,869
    经营活动现金流出小计                                      40,155,496            30,823,236
    经营活动产生的现金流量净额                                16,566,777            21,519,935二、投资活动产生的现金流量:
    收回投资所收到的现金                                          11,845,459            18,565,139
    取得投资收益收到的现金                                         2,308,626              181,242
    收到其他与投资活动有关的现金                                     31,175               241,021
    投资活动现金流入小计                                      14,185,260            18,987,402
    投资支付的现金                                                47,530,477            32,547,117
    购建固定资产、无形资产和其他长期资产所支付的现金                585,129               699,084
    支付其他与投资活动有关的现金                                        -                    -
    投资活动现金流出小计                                      48,115,606            33,246,201
    投资活动产生的现金流量净额                               (33,930,346)          (14,258,799)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                              779,264               729,264
    支付其他与筹资活动有关的现金                                        -                    -
    筹资活动现金流出小计                                        779,264               729,264
    筹资活动产生的现金流量净额                                (779,264)              (729,264)
    四、汇率变动对现金的影响                                        (2,323)              (39,906)
    五、现金及现金等价物净增加额                                 (18,145,156)            6,491,966
    加:期初现金及现金等价物余额                                  46,272,013            83,773,056
    六、期末现金及现金等价物余额                                  28,126,857            90,265,022
    法定代表人:陆华裕             行长:罗孟波    主管会计工作的负责人:罗维开        会计机构负责人:孙洪波