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宁波银行(002142)公告正文

宁波银行:2013年第一季度报告全文

公告日期:2013-04-24

                       宁波银行股份有限公司 2013 年第一季度报告全文
    宁波银行股份有限公司BANK OF NINGBO CO.,LTD.
    (股票代码:     002142)
    2013 年第一季度报告
       2013 年 4 月 23 日
                                                                       宁波银行股份有限公司 2013 年第一季度报告全文
                                           第一节 重要提示
    本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、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 2013 年 4 月 23 日召开了宁波银行股份有限公司第四届董事会 2013 年第一次临时会议,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 2013 年第一季度报告》的议案。
    公司第一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。
                                     第二节 主要财务数据及股东变化
    一、主要会计数据和财务指标
    (一)主要会计数据
    报告期内,公司未对以前期间财务数据进行追溯调整或重述。
                                                           2013 年 1-3 月       2012 年 1-3 月    比上年同期增减
    营业收入(千元)                                            2,937,207             2,402,595           22.25%
    归属于上市公司股东的净利润(千元)                          1,269,533             1,033,639           22.82%
    归属于上市公司股东的扣除非经常性损益的净利润(千元)        1,264,837             1,031,525           22.62%
    经营活动产生的现金流量净额(千元)                          34,280,627           (8,915,388)          484.51%
    每股经营活动产生的现金流量净额(元)                           11.89               (3.09)             484.51%
    基本每股收益(元)                                             0.44                 0.36              22.82%
    稀释每股收益(元)                                             0.44                 0.36              22.82%
    扣除非经常性损益后的基本每股收益(元)                         0.44                 0.36              22.37%
    加权平均净资产收益率                                           5.58%                5.38%        提高 0.2 个百分点
                                                                       宁波银行股份有限公司 2013 年第一季度报告全文
    扣除非经常性损益后的加权平均净资产收益率                      5.56%                    5.37%            提高 0.19 个百分点
    全面摊薄净资产收益率                                          5.43%                    5.24%            提高 0.19 个百分点
    扣除非经常性损益后的全面摊薄净资产收益率                      5.41%                    5.23%            提高 0.18 个百分点
                                                      2013 年 3 月 31 日      2012 年 12 月 31 日              增减幅度
    总资产(千元)                                            421,619,298              373,536,589                  12.87%
    归属于上市公司股东的所有者权益(千元)                      23,378,044               22,116,961                 5.70%
    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)                         8.11                   7.67                     5.70%
    注:1、有关指标根据《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。
    (二)非经常性损益项目及金额
                                                                                                      单位:(人民币)千元
                                非经常性损益项目                                                  2013 年 1-3 月金额
    1、非流动性资产处置损益                                                                                   18
    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                                                                 6,244
    合计对利润总额的影响                                                                                    6,262
    所得税影响额                                                                                           (1,565)
                                      合计                                                              4,697
    (三)补充财务指标
                                           监管     2013 年              2012 年           2011 年               2010 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     13.30               15.65                15.36              16.20
    核心一级资本充足率(%)                        ≥5     10.07               11.49                12.17              12.50
    流动性比率(本外币)(%)                      ≥25      39.93               41.99                52.19              46.90
    拆借资金比例     拆入资金比例                ≤8     3.76                 4.66                 2.76               1.08
    (人民币)(%)      拆出资金比例                ≤8      0.9                 3.30                 0.59               0.21
    存贷款比例(本外币)(%)                      ≤75      61.15               67.74                66.62              66.22
    不良贷款比率(%)                              ≤5     0.83                 0.76                 0.68               0.69
    拨备覆盖率(%)                             ≥150     256.07               275.39             240.74               196.15
    单一最大客户贷款比例(%)                    ≤10      2.35                 2.44                 2.17               2.48
    最大十家单一客户贷款比例(%)                ≤50      15.34               16.10                18.31              17.43
                                                                            宁波银行股份有限公司 2013 年第一季度报告全文
    单一最大集团客户授信比例(%)                   ≤15           3.86              3.99                 3.23                3.67
                      正常类贷款迁徙率                       0.51              2.67                 3.96                2.33正常贷款迁徙率(%)
                      关注类贷款迁徙率                      14.98             14.81                  8.8                18.15
                      次级类贷款迁徙率                      32.95             76.75                 4.49                34.27不良贷款迁徙率(%)
                      可疑类贷款迁徙率                       4.97             38.95                 36.64               67.08
    利息收回率(%)                                               101.01            98.53                 99.12               99.42
    总资产收益率(%)                                              1.28              1.28                 1.24                1.09
    成本收入比(%)                                               31.50             34.13                 36.38               38.14
    资产负债率(%)                                               94.46             94.08                 92.82               93.97
    注:1、一季度总资产收益率为年化数据。
        2、2013 年 3 月 31 日的资本充足率和核心一级资本充足率根据《商业银行资本管理办法(试行)》(中国银行业监督管理委员会 2012 年第 1 号令)计算,其他年度的资本充足率和核心一级资本充足率根据《商业银行资本充足率管理办法》(中国银行业监督管理委员会 2004 年第 2 号令)计算。
    (四)资本构成情况
                                                                                                             单位:(人民币)千元
                                  2013 年                   2012 年                   2011 年                       2010 年
            项   目
                                 3 月 31 日               12 月 31 日                12 月 31 日                12 月 31 日
    资本净额                        30,844,061               29,844,889                 23,031,480                20,163,883
    核心一级资本净额                23,346,810               21,911,384                 18,252,616                15,565,457
    二级资本                        7,497,250                7,940,999                  4,784,245                  4,658,742
    加权风险资产净额               231,889,573              190,660,716              149,993,362                  124,484,846
    资本充足率                        13.30%                   15.65%                     15.36%                       16.20%
    核心一级资本充足率                10.07%                   11.49%                     12.17%                       12.50%
    注:2013 年 3 月 31 日的资本根据《商业银行资本管理办法(试行)》(中国银行业监督管理委员会 2012 年第 1 号令)计算,其他年度的资本根据《商业银行资本充足率管理办法》(中国银行业监督管理委员会 2004 年第 2 号令)计算。
    二、报告期末股东总数及前十名股东持股情况表
                                                                                                                          单位:股
             报告期股东总数                                                     126,005
                                                     前 10 名股东持股情况
                                                                                         持有有限售          质押或冻结情况
                                                             持股比例 报告期末持
                 股东名称                     股东性质                                   条件的股份
                                                                   (%)      股数量                         股份状态           数量
                                                                                            数量
    新加坡华侨银行有限公司                        境外法人            13.74   396,320,529 146,320,529
    宁波开发投资集团有限公司                      国有法人             8.5    245,106,565           0
    华茂集团股份有限公司                     境内非国有法人           8.32    240,000,000 70,500,000             质押       70,500,000
    宁波市电力开发公司                            国有法人            7.68    221,503,488 26,000,000 质押、冻结 178,503,425
    雅戈尔集团股份有限公司                   境内非国有法人           7.25    209,000,000 70,500,000             质押      190,500,000
    宁波富邦控股集团有限公司                 境内非国有法人           6.98    201,304,200 70,500,000             质押      108,200,000
    宁波杉杉股份有限公司                     境内非国有法人           6.21    179,000,000           0
                                                                       宁波银行股份有限公司 2013 年第一季度报告全文
    卓力电器集团有限公司                   境内非国有法人          1.87   54,000,000          0中信证券股份有限公司客户信用交易担
                                       境内非国有法人          1.64   47,215,538          0保证券账户
    新加坡华侨银行有限公司(QFII)            境外法人             1.6    46,099,471          0
                                      根据宁波市国资委《关于宁波市电力开发公司产权划转的批复》(甬国资委办
                                      [2005]28 号),宁波市电力开发公司产权被整体划转给宁波开发投资集团有限公
    上述股东关联关系或一致行动的说明      司,成为宁波开发投资集团有限公司下属全资子公司,该产权划转事项尚未办妥;
                                      新加坡华侨银行有限公司(QFII)是新加坡华侨银行有限公司的合格境内机构投资
                                      者。
                                         前 10 名无限售条件股东持股情况
                                       期末持有无限售条件股份数                               股份种类
                股东名称
                                                    量                      股份种类                        数量
    新加坡华侨银行有限公司                         250,000,000                人民币普通股                   250,000,000
    宁波开发投资集团有限公司                       245,106,565                人民币普通股                   245,106,565
    宁波市电力开发公司                             195,503,488                人民币普通股                   195,503,488
    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                           169,500,000                人民币普通股                   169,500,000
    雅戈尔集团股份有限公司                         138,500,000                人民币普通股                   138,500,000
    宁波富邦控股集团有限公司                       130,804,200                人民币普通股                   130,804,200
    卓力电器集团有限公司                            54,000,000                人民币普通股                   54,000,000中信证券股份有限公司客户信用交易担
                                                47,215,538                人民币普通股                   47,215,538保证券账户
    新加坡华侨银行有限公司(QFII)                  46,099,471                人民币普通股                   46,099,471
    三、银行业务数据
    (一)分支机构和员工情况
    序                                                                                                           资产规模
             机构名称                           营业地址                           机构数       员工数
    号                                                                                                           (千元)
    1             总行                  宁波市鄞州区宁南南路 700 号                     1           1,152     131,106,722
                           上海市浦东新区世纪大道 210 号二十一世纪中心大厦
    2           上海分行                                                                10           403       45,875,181
                                             第 20、21、22 层
    3           杭州分行                 杭州市西湖区保俶路 146 号                      7            305       20,741,043
    4           南京分行                 南京市鼓楼区汉中路 120 号                      7            262       25,589,019
                           深圳市福田区福华三路市中心区东南部时代财富大厦
    5           深圳分行                                                                5            253       23,404,441
                                     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                     7            257       28,763,029
    7           温州分行                 温州市鹿城区南浦路 260 号                      3            129       5,274,995
    8           北京分行      北京市东城区建国门内大街 28 号 B 座 1、2、3、4 层         2            178       19,144,816
    9           无锡分行              无锡市北塘区北大街 20 号 1、2 层                  2            116       13,952,657
    10           海曙支行                宁波市海曙区解放南路 135 号                     5            102       4,029,204
    11           江东支行                宁波市江东区中山东路 466 号                     6            140       9,618,042
                                                                      宁波银行股份有限公司 2013 年第一季度报告全文
    12           江北支行                  宁波市江北区人民路 270 号                   6         123         9,016,526
    13           湖东支行                   宁波市海曙区广济街 4 号                    2         71          4,363,870
    14           西门支行                 宁波市海曙区中山西路 197 号                  5         97          3,831,515
    15           东门支行                 宁波市江东区百丈东路 868 号                  4         85          3,089,651
    16           天源支行                  宁波市海曙区柳汀街 230 号                   4         86          3,455,011
    17           灵桥支行                 宁波市江东区彩虹南路 275 号                  4         89          3,082,663
    18     国家高新区支行                宁波市高新区江南路 651-655 号                 5         99          3,915,363
    19           四明支行                   宁波市海曙区蓝天路 9 号                    5         106         9,435,022
    20           明州支行                 宁波市鄞州区嵩江中路 199 号                  8         144         5,969,439
    21           北仑支行               宁波市北仑区新碶镇明州路 221 号                6         117         6,581,807
    22           镇海支行                    宁波市镇海车站路 18 号                    5         101         5,013,933
    23           鄞州支行            宁波市鄞州区钟公庙街道四明中路 666 号             9         152         7,487,332
    24           宁海支行             宁波市宁海县桃源街道时代大道 158 号              6         132         3,771,970
    25           余姚支行                   宁波余姚市阳明西路 28 号                   6         131         5,905,875
    26           新建支行                宁波余姚市阳明西路 340-348 号                 6         87          2,986,946
    27           慈溪支行                   宁波慈溪市慈甬路 207 号                    8         150         5,339,640
    28           城东支行                宁波慈溪市新城大道 483-495 号                 6         118         3,322,137
    29           象山支行                宁波市象山县丹城靖南路 274 号                 4         68          3,249,075
    30           奉化支行                    宁波奉化市中山路 16 号                    5         80          4,302,374
             合计:184 个(含总行营业部下辖二级支行 1 个,社区支行 24 个)                  5,333       421,619,298
    (二)资产总额及构成情况
                                                                                                    单位:(人民币)千元
                                     2013 年             2012 年               2011 年                  2010 年
             项   目
                                    3 月 31 日         12 月 31 日            12 月 31 日              12 月 31 日
    资产总额                          421,619,298         373,536,589            260,497,637              263,274,332
    -现金及存放中央银行款项           52,314,694          45,493,814            41,582,445                31,560,555
    -存放同业款项                     29,197,283          33,222,961            38,932,780                7,996,156
    -拆出资金                         2,152,600           6,667,509              1,000,000                 300,000
    -交易性金融资产                   2,950,481           1,784,415              1,980,194                 353,292
    -衍生金融资产                     3,424,704           3,375,274              1,687,630                2,249,556
    -买入返售金融资产                 42,497,864          35,712,105             3,355,324                83,021,547
    -应收利息                         1,469,897           1,552,768              1,327,836                 599,389
    -发放贷款和垫款                  151,085,439         142,564,629            120,741,933              100,194,454
    -可供出售金融资产                 76,566,592          57,201,901            26,504,955                4,324,763
    -持有至到期投资                   16,935,065          16,987,697            17,555,337                9,838,342
    -应收款项类投资                   36,146,171          22,306,412             2,137,747                19,316,538
    -长期股权投资                       13,250              13,250                 13,250                   13,250
    -投资性房地产                       14,738              14,738                 22,051                  224,136
    -固定资产                         2,356,570           2,397,820              1,365,957                1,281,221
    -无形资产                           82,928              87,898                 88,641                   92,224
                                                                                 宁波银行股份有限公司 2013 年第一季度报告全文
    -递延所得税资产                    1,349,298                1,225,132                    628,352              644,549
    -其他资产                          3,061,725                2,928,266                   1,573,205            1,264,360
    (三)负债总额及构成情况
                                                                                                          单位:(人民币)千元
                                              2013 年                  2012 年               2011 年            2010 年
                  项   目
                                            3 月 31 日               12 月 31 日           12 月 31 日        12 月 31 日
    负债总额                                 398,241,254              351,419,629            241,783,570        247,397,693
    -同业及其他金融机构存发放款项           54,629,118               44,543,618              16,175,464         7,368,045
    -拆入资金                               23,918,528               22,203,240              11,924,128         8,805,389
    -衍生金融负债                             3,595,928                3,357,488              1,883,333         2,246,004
    -卖出回购金融资产款                     47,178,461               55,458,492              23,067,793         72,772,019
    -吸收存款                               244,267,093              207,577,270            176,736,656        145,827,979
    -应付职工薪酬                               322,230                 624,031                423,909            284,006
    -应交税费                                   866,873                 599,694                655,101            360,344
    -应付利息                                 3,050,197                3,055,742              1,790,994         1,107,076
    -应付债券                               10,475,089               10,474,150               7,474,222         7,467,900
    -递延所得税负债                             860,336                 839,243                471,072            592,441
    -其他负债                                 9,077,401                2,686,661              1,180,898           566,491
    注:卖出回购金融资产款中包含系统外转贴现、再贴现。
    (四)贷款总额及构成情况
                                                                                                          单位:(人民币)千元
                                  2013 年                    2012 年                     2011 年              2010 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                154,361,547                 145,617,543                 122,745,110          101,574,407
    -个人贷款及垫款             37,223,519                  35,621,124                 29,771,984           26,379,887
    -公司贷款及垫款            106,940,438                 103,692,853                 90,229,454           73,780,801
    -票据贴现                   10,197,590                  6,303,566                   2,743,672            1,413,719
    减:贷款损失准备               3,276,109                   3,052,914                   2,003,177            1,379,953
    贷款及垫款净额                151,085,439                 142,564,629                 120,741,933          100,194,454
    (五)存款总额及构成情况
                                                                                                          单位:(人民币)千元
                              2013 年                      2012 年                      2011 年               2010 年
      项     目
                             3 月 31 日                  12 月 31 日                  12 月 31 日           12 月 31 日
    客户存款                   244,267,093                  207,577,270                 176,736,656            145,827,979
    -活期存款                 127,070,831                  108,268,370                  98,623,268            86,343,536
    个人                   16,735,174                   12,848,006                   11,485,119             9,446,277
                                                                           宁波银行股份有限公司 2013 年第一季度报告全文
       公司                   110,335,657               95,420,364                 87,138,149                  76,897,259
    -定期存款                   117,196,263               99,308,900                 78,113,388                  59,484,443
       个人                    41,344,753               33,870,793                 22,658,084                  19,283,867
       公司                    75,851,509               65,438,107                 55,455,304                  40,200,576
       (六)拆入资金
                                                                                                             单位:(人民币)千元
                                        2013 年               2012 年                     2011 年                    2010 年
              项   目
                                       3 月 31 日           12 月 31 日                  12 月 31 日             12 月 31 日
    拆入资金                               23,918,528           22,203,240                   11,924,128               8,805,389
    -银行拆入                             23,918,528           22,203,240                   11,924,128               8,805,389
       (七)贷款五级分类情况
                                                                                                             单位:(人民币)千元
                              2013 年 3 月 31 日             2012 年 12 月 31 日                             期间变动
        项目
                              余额          占比(%)        余额             占比(%)             余额         占比(百分点)
    非不良贷款小计          153,082,189           99.17      144,508,958            99.24           8,573,231               (0.07)
        正常            151,147,780           97.92      142,493,152            97.85           8,654,628                0.07
        关注             1,934,409            1.25        2,015,806               1.38           (81,397)               (0.13)
    不良贷款小计           1,279,358            0.83        1,108,584               0.76           170,774                 0.07
        次级                 506,521          0.33         468,396                0.32              38,125               0.01
        可疑                 543,189          0.35         424,174                0.29           119,015                 0.06
        损失                 229,648          0.15         216,014                0.15              13,634               0.00
    客户贷款合计          154,361,547          100.00      145,617,542            100.00          8,744,005                0.00
       (八)报告期内,公司无重组贷款。
       (九)贷款减值准备金计提和核销的情况
                                                                                                             单位:(人民币)千元
                        项    目                                 2013 年 3 月 31 日                     2012 年 12 月 31 日
    期初余额                                                             3,052,914                               2,003,177
    本年计提                                                                223,062                              1,076,350
    本年核销                                                                  -                                   (15,469)
    本年转回                                                                  132                                  6,359
    已减值贷款利息拨回                                                        -                                   (17,503)
    其他                                                                      -                                      -
    期末余额                                                             3,276,109                               3,052,914
                                                                  宁波银行股份有限公司 2013 年第一季度报告全文
    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。
    (十)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             1,552,768            (82,871)           1,469,897           0              个别认定
    贷款表外应收利息          181,141             22,675             203,816             0
    (十一)营业总收入构成变动情况
                                                                                              单位:(人民币)千元
                          2013 年 1-3 月                2012 年 1-3 月                     期间变动
           项   目
                          余额        占比               余额              占比     余额          占比(百分点)
    利息收入                5,951,606    95.65%         4,078,587          91.48%     1,873,019             4.17
    -贷款利息收入          3,293,648    52.93%         2,608,987          58.52%      684,661              (5.59)
    -拆放同业利息收入       43,137       0.69%              1,892         0.04%       41,245               0.65
                                                                                  宁波银行股份有限公司 2013 年第一季度报告全文
    -存放央行款项利息收入             167,128         2.69%          134,149                 3.01%           32,979               (0.32)
    -存放同业利息收入                 223,009         3.58%          340,335                 7.63%          (117,326)             (4.05)
    -债券投资利息收入                 374,928         6.03%          287,369                 6.45%           87,559               (0.42)
    -理财产品利息收入                1,074,930        17.28%         321,571                 7.21%           753,359               10.07
    —买入返售金融资产                 754,551         12.13%         384,247                 8.62%           370,304               3.51
    -其他                             20,274          0.33%                37                0.00%           20,237                0.33
    手续费及佣金收入                   393,327         6.32%          280,874                 6.30%           112,453               0.02
    其他业务收入                        7,606          0.12%             12,777               0.29%           (5,171)              (0.17)
    投资收益                            (135)          0.00%             16,247               0.36%          (16,382)              (0.36)
    汇兑损益                           91,843          1.48%         (180,193)            -4.04%              272,036               5.52
    公允价值变动                      (221,909)        -3.57%         250,023                 5.61%          (471,932)             (9.18)
    合计                              6,222,339        100.00%       4,458,315            100.00%            1,764,024              0.00
       (十二)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                                                              37,077,275                               24.02%
    2      批发和零售业                                                        23,831,534                               15.44%
    3      租赁和商务服务业                                                    15,657,334                               10.14%
    4      房地产开发贷款                                                       8,544,277                                5.54%
    5      建筑业                                                               7,220,964                                4.68%
    6      水利、环境和公共设施管理业                                           6,440,250                                4.17%
    7      经营性物业贷款                                                       4,076,834                                2.64%
    8      交通运输、仓储和邮政业                                               3,196,579                                2.07%
    9      金融业                                                               2,528,601                                1.64%
    10      电力、热力、燃气及水生产和供应业                                     2,240,877                                1.45%
                        合    计                                             110,814,524                              71.79%
       2、报告期末,贷款地区分布情况
                                                                                                                     单位:(人民币)千元
                                                   2013 年 3 月 31 日                                       2012 年 12 月 31 日
            项    目
                                            余额                        占比                      余额                         占比
    北京市                                   5,777,058                    3.74%                   5,311,242                    3.65%
    上海市                                   15,354,230                   9.95%                   14,235,016                   9.78%
    浙江省                                   97,600,145                  63.23%                   93,180,033                   63.99%
    其中:宁波市                             81,388,451                  52.73%                   78,386,099                   53.83%
                                                                                    宁波银行股份有限公司 2013 年第一季度报告全文
    江苏省                                      27,095,365                  17.55%               24,658,872               16.93%
    广东省                                      8,534,750                       5.53%             8,232,380                5.65%
    贷款和垫款总额                              154,361,547                 100.00%              145,617,543              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
                                                      2013 年 3 月 31 日                             2012 年 12 月 31 日
              分类
                                               金额                         比例                 金额                     比例
            信用贷款                        27,180,222                  17.61%               26,017,804               17.87%
            保证贷款                        47,730,702                  30.92%               45,180,354               31.03%
            抵押贷款                        66,899,082                  43.34%               64,519,768               44.30%
            质押贷款                        12,551,542                      8.13%             9,899,617                6.80%
         贷款和垫款总额                 154,361,547                     100.00%              145,617,543              100.00%
    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                                                      726,000                            2.35%
    客户 2       公共管理、社会保障和社会组织                                    569,000                            1.84%
    客户 3       水利、环境和公共设施管理业                                      500,000                            1.62%
    客户 4       水利、环境和公共设施管理业                                      494,000                            1.60%
    客户 5       水利、环境和公共设施管理业                                      471,000                            1.53%
    客户 6       租赁和商务服务业                                                442,000                            1.43%
    客户 7       房地产开发                                                      390,000                            1.26%
    客户 8       房地产开发                                                      390,000                            1.26%
    客户 9       租赁和商务服务业                                                381,572                            1.24%
    客户 10      房地产业                                                        367,500                            1.19%
                        合   计                                              4,731,072                            15.34%
                       资本净额                                                              30,844,061
    (十三)抵债资产
                                                                                                                单位:(人民币)千元
    项 目                2012 年 12 月 31 日                    本期增减                2013 年 3 月 31 日        跌价准备余额
    抵债资产                       153,249                               -                    153,249                   2,063
    (十四)存款结构平均余额和平均付息率情况
                                                                宁波银行股份有限公司 2013 年第一季度报告全文
                                                                                            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                             102,092,300                                1.09
       企业定期存款                             72,170,280                                 3.28
       储蓄活期存款                             15,905,260                                 0.43
       储蓄定期存款                             38,706,580                                 3.24
           合计                                 228,874,420                                2.10注:企业活期存款中包括企业协定存款。(十五)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                            96,682,951                                7.12
        中长期贷款                               37,281,885                                7.22
           合计                                 133,964,836                                7.15注:一年以内短期贷款不包括贴现和垫款。(十六)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                                             35,428,381
                  金融机构债券                                                 2,695,767
                      央行票据                                                 1,905,842
                      企业债券                                                  517,894
                  地方政府债券                                                  74,270
                      铁道部债券                                                100,000
                        合计                                               40,722,155(十七)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                      到期日                         年利率%
    2011 国债                      14,625,000            2014-3-10~2021-8-18                 2.82~3.99
    2012 国债                      8,490,000              2015-4-26~2019-9-6                 2.91~3.25
    2010 国债                      4,428,000             2013-8-12~2020-12-16                2.30~3.83
    2007 国债                      2,530,000              2014-2-6~2037-5-17                 2.93~4.52
    2008 国债                      1,480,000             2013-4-21~2038-10-23                1.77~4.94
    2009 国债                      1,250,000             2014-4-2~2059-11-30                 2.26~4.30
    2012 企业债                     1,021,273              2013-6-7~2015-8-21                 3.45~5.26
                                                                  宁波银行股份有限公司 2013 年第一季度报告全文
      2008 金融债券            1,000,000                    2018-4-1~2018-7-3                     8
        2013 国债              1,000,000                         2016-1-31                     3.1
    2013 政策性银行债           560,850                    2016-1-10~2018-2-1          3.62~4.07+浮动利率
        2003 国债               530,000                   2013-4-9~2018-10-24               2.80~4.18
    (十八)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
    2013 年一季度总计发行理财产品 281 期,销售额 533.86 亿元,截至 2013 年 3 月 31 日,理财存续余额 453.21 亿元。
    (十九)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                      2013 年 3 月 31 日                     2012 年 12 月 31 日1、主要表外风险资产
       开出信用证                              17,812,099                              11,059,374
       银行承兑汇票                            44,115,895                              38,320,554
       开出保函                                3,029,552                               3,042,824
       贷款承诺                                29,633,320                              25,675,100
    2、资本性支出承诺                               292,838                                 263,659
    3、经营性租赁承诺                              1,213,377                               1,369,414
    4、对外资产质押承诺                            25,140,000                              26,289,000
    (二十)衍生金融工具情况
                                                                                           单位:(人民币)千元
                                                             2013 年 3 月 31 日
       衍生金融工具
                               合约/名义金额                     资产公允价值              负债公允价值
       外汇远期合同              8,511,982                          10,781                    108,590
       货币掉期合同             111,623,812                        543,267                    762,223
       利率互换合同              70,954,480                       2,787,741                 2,724,015
         期权合同                 710,553                           82,915                     1,100
           合计                 191,800,827                       3,424,704                 3,595,928
    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。
                                                       宁波银行股份有限公司 2013 年第一季度报告全文
    (一)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。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(或评分)、担保评估;贷款审查和审批、合同签订、贷款发放管理;授信后管理;不良贷款管理。
    公司依据相关政策和规定,对贷款进行风险计量,按照贷款本金利息收回的可能性,综合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,在五级分类的基础上实施十级分类制度,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。通过贷款分类,以量化形式揭示了贷款的实际价值和风险程度。公司对不同分类的贷款提取不同比例的拨备,确保有效抵御信用风险。
    公司持续建设和完善信用风险监测和风险预警体系,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,通过实施多层次的风险监测,公司能发现贷款发放、管理、监控、催收以及不良贷款管理中存在的问题,并采取适当措施。风险预警系统覆盖所有授信客户,有助于公司在早期发现授信业务中隐藏的风险,并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,及早防范和应对信用风险。
    报告期内,公司加强了对国内外经济形势和市场的分析,研究主要授信行业的变化情况,强化信用风险管控。公司加大总分支行联动力度,加强风险条线队伍建设,增强风险管理和服务能力。公司正在开发新一代风险管理系统,为业务发展和风险管理提供更强的支持。公司开展了分行票据业务检查和企业客户工资发放和招工情况排查,针对敏感业务和风险高发时段,通过连续的排查和专项检查及时发现和应对潜在风险,确保信用风险可控。
    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
                                                          宁波银行股份有限公司 2013 年第一季度报告全文
    截止 2013 年 3 月 31 日,公司最大单一客户贷款余额 72600 万元,占资本净额(3084406 万元)的比例为 2.35%,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 2013 年 3 月 31 日,公司最大单一集团客户授信敞口 119100 万元,占资本净额(3084406 万元)的比例为 3.86%,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 2013 年 3 月 31 日,公司最大十家客户贷款余额 473107 万元,占资本净额(3084406 万元)的比例为 15.34%。
    4、单一关联方授信比例
    截止 2013 年 3 月 31 日,公司最大单一关联方授信敞口 87380 万元,占资本净额(3084406 万元)的比例为 2.83%,符合银监会规定的不高于 10%的要求。
    5、全部关联度
    截止 2013 年 3 月 31 日,公司全部关联方实际使用授信敞口 256047 万元,占资本净额(3084406 万元)的比例为 8.30%,符合银监会规定的不高于 50%的要求。
    (二)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,公司积极推进分行层面的流动性风险管理工作,逐步建立分行资产负债管理委员会制度,定期召开资产负债管理委员会会议,审议分行流动性风险状况和应对措施。完善分行同业业务和票据业务
                                                         宁波银行股份有限公司 2013 年第一季度报告全文管理体系,定期监测分行流动性风险。制定本年度分行资金头寸考核指标体系,优化资金头寸划拨流程,建立外币资金头寸上报机制,进一步加强分行资金头寸管理。
    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 2013 年 3 月 31 日,公司流动性资产余额 5,899,219 万元,流动性负债余额 14,772,634 万元,流动性比例 39.93%,符合银监会规定的不低于 25%的要求。
    2、流动性缺口率
    截止 2013 年 3 月 31 日,公司 90 天内到期的流动性缺口为-505,533 万元,流动性缺口率-3.22%,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 2013 年 3 月 31 日,公司人民币超额备付金余额 1,013,675 万元,与人民币各项存款余额的比例为 4.25%。
    4、存贷款比例
    截止 2013 年 3 月 31 日,存贷款比例 61.15%,符合银监会规定的不高于 75%的要求。
    (三)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。
                                                          宁波银行股份有限公司 2013 年第一季度报告全文
    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 2013 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。成功实现理财资产池管理系统顺利上线,风险管控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 2013 年 3 月 31 日,公司累计外汇敞口头寸余额 213,458 万元,资本净额 3,084,406 万元,累计外汇敞口头寸比例 6.92%,符合银监会规定的不高于 20%的要求。
    (四)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,逐步建立和完善了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,公司在加强操作风险管控方面进一步采取了以下措施:一是正式启动了操作风险管理系统开发项目,并将以系统为平台,推动操作风险管理三大工具在全行各条线的运用,不断提升操作风险管理水平。二是利用操作风险管理系统开发的契机,对全行的主要业务流程、KRI 指标、风险字典库、控制字典库等进行了进一步梳理和完善,为下步的操作风险系统运用和推广奠定基础。三是继续组织开展“十八字”操作风险检查,切实加强分支行的日常操作风险防控。四是加强业务连续性管理,根据监管要求及审
                                                       宁波银行股份有限公司 2013 年第一季度报告全文计检查意见,完成了业务连续性管理评估报告和 2013 年业务连续性计划。
    (五)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,公司在防范合规风险和法律风险方面主要采取了以下措施:
    一是进一步加强内控制度审核管理,完成合规系统与办公系统对接,确保全行内控制度发布前均要通过法律合规部门的审查,保证公司的整体营运与法律规定和监管要求相一致。
    二是持续推行员工合规自我检查制度和内控制度学习制度,优化自我检查内容,同时督促员工熟悉掌握相关内控制度,促进规范操作。
    三是以制度执行为落脚,深入实施合规检查。制定 2013 年总行和各分行合规检查计划,明确检查的组织参与部门、内容、频率,并有计划有步骤的予以实施。
    四是继续加强法律事务管理。加强对新业务、新产品的法律审查,随时跟踪法律法规发展动态,并通过法律法规解读和风险提示指导和协助业务部门有效开展法律风险防控工作;组织所有员工开展刑事违法案例学习和测试,普及刑事违法基础知识,进一步提高全员知法守法意识。
    五是加强与监管部门的有效互动,及时传达和解读最新监管政策,落实各项监管要求。
    五、内部控制情况
    (一)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》对大额暴露和集中风险开展有效识别和管理,通过定期监测和分析客户集中度、抵质押品集中度、行业集中度、区域集中度、业务品种和期限集中度等指标,管理授信业务集中度,避免单户授信、行业授信、业务品种等过度集中,提高授信业务的整体风险管理水平。
    (二)银行评估程序所用参数的准确性和完整性
                                                       宁波银行股份有限公司 2013 年第一季度报告全文
    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。
    (三)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。
    (四)压力测试和对各种假设及参数的分析
    2013 年一季度,公司根据行业形势和业务风险状况,运用敏感性测试和情景测试的方法,对公司流动性状况、市场风险状况、房地产贷款等实施了压力测试,压力情景分为轻度压力、中度压力和重度压力三种程度。通过压力测试结果,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,以预防极端事件带来的冲击。
    (五)风险预警
    报告期内,公司着重提升风险预警的有效性,推进风险预警联系例会制度、预警领导小组和预警处置小组建设,确保预警客户得到持续跟踪,风险得到有效化解。同时公司加强了行业信息的收集和分析工作,增强了行业风险预警能力。
    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。公司将根据外部环境与业务发展需要,不断提高内部控制的完整性、合理性和有效性,促进公司持续稳健发展。
                                                                    宁波银行股份有限公司 2013 年第一季度报告全文
                                           第三节 重要事项
    一、报告期主要会计报表项目、财务指标发生重大变动的情况及原因
    (一)截至 2013 年 3 月 31 日,本公司主要经营情况如下:
    1、1-3 月实现净利润 12.70 亿元,比上年同期增长 22.82%。基本每股收益 0.44 元,比上年同期增加0.08 元。
    2、总资产 4,216.19 亿元,比年初增加 480.83 亿元,增长 12.87%。
    3、贷款余额 1543.62 亿元,比年初增加 87.44 亿元,增长 6.00%。
    4、存款余额 2442.67 亿元,比年初增加 366.90 亿元,增长 17.68%。
    5、股东权益 233.78 亿元,比年初增加 12.61 亿元,增长 5.70%。加权平均净资产收益率 5.58%,比上年同期增加 0.20 个百分点。
    6、按照“五级分类”标准, 不良贷款余额 12.79 亿元,不良贷款率 0.83%。拨备覆盖率为 256.07%,贷款拨备率(贷款损失准备占贷款的比例)为 2.12%。
    7、资本充足率 13.30%,核心一级资本充足率 10.07%,符合《商业银行资本管理办法(试行)》(中国银行业监督管理委员会 2012 年第 1 号令)的要求。
    (二)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
                   项 目            2013 年 1-3 月        比上年同期增减                    主要原因
    利息收入                              5,951,606                45.92%       贷款增加
    利息支出                              3,247,869                60.38%       存款增加,利率调整
    手续费及佣金收入                       396,582                 40.04%       手续费收入增加
    公允价值变动收益(损失以“-”填列)     (221,909)              (188.76%)      公允价值估值减少
    汇兑收益(损失以“-”填列)               88,589                149.16%       外汇业务损益增加
    营业税费                               210,245                 37.00%       营业税费增加
                                                                                                 单位:(人民币)千元
                                                                             宁波银行股份有限公司 2013 年第一季度报告全文
                    项目                    2013 年 3 月 31 日      比年初增减                               主要原因
    拆出资金                                       2,152,600             (67.72%)           拆出资金减少
    交易性金融资产                                 2,950,481                65.35%          交易性金融资产增加
    可供出售金融资产                               76,566,592               33.85%          可供出售金融债券增加
    应收款项类投资                                 36,146,171               62.04%          应收款项类投资增加
    应付职工薪酬                                    322,230              (48.36%)           应付职工薪酬减少
       二、重大事项进展情况及其影响和解决方案的分析说明
       报告期内,除已披露者外,公司没有其他重大事项。
       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
         承诺事项                     承诺方                     承诺内容             承诺时间 承诺期限                  履行情况
    股改承诺                                -                           -                                    -                  -收购报告书或权益变动报
                                        -                           -                                    -                  -告书中所作承诺
    资产重组时所作承诺                      -                           -                                    -                  -
                           宁波市财政局、新加波华侨 自公司股票在深圳证                                            限售期内,上述承诺得到
                           银行有限公司、宁波杉杉股 券交易所上市交易之                                            严格履行。上述限售股份
                           份有限公司、雅戈尔集团股 日起 36 个月内,不转                                          上市流通日为 2010 年 7
                                                                                      2007 年 7
    首次公开发行时所作承诺 份有限公司、宁波富邦控股 让或者委托他人管理                                  36 个月 月 19 日。2010 年 7 月
                                                                                       月 19 日
                           集团有限公司、宁波市电力 其直接和间接持有的                                            19 日,上述股东持有的
                           开发公司和华茂集团股份         公司股份,也不由公                                      1,415,000,000 股限售
                           有限公司                       司收购该部分股份。                                      股份上市流通。
                           宁波市电力开发公司、新加
                           坡华侨银行有限公司、雅戈 自发行结束之日起,
                                                                                      2010 年 10
    非公开发行认购对象承诺 尔集团股份有限公司、宁波 36 个月内不转让本次                                 36 个月 严格履行
                                                                                       月 25 日
                           富邦控股集团有限公司、宁 认购的股份
                           波华茂集团股份有限公司其他对公司中小股东所作
                                        -                           -                     -              -                  -承诺
    承诺是否及时履行                                                                 是是否就导致的同业竞争和
                                                                                 否关联交易问题作出承诺
       四、对 2013 年 1-6 月经营业绩的预计
                                                                                                                    单位:(人民币)千元
    2013 年 1-6 月归属于上市公司股东的净利润比上年同期变动幅度为:                                     10%       至                     20%
    2013 年 1-6 月归属于上市公司股东的净利润区间:                                            2,373,683          至              2,589,473
    2012 年 1-6 月归属于上市公司股东的净利润:                                                               2,157,894
                                                                       宁波银行股份有限公司 2013 年第一季度报告全文
    业绩变动的原因说明                                                               业务规模扩大、盈利能力增强
       五、上市公司发生控股股东及其关联方非经营性占用资金情况
       报告期内,公司无控股股东及其关联方占用本行资金的情况。
       六、证券投资情况
                                                                                                   单位:(人民币)千元
                                   最初投资成 期初持股 期初持股 期末持股 期末持股 期末账面 报告期损 会计核算
    证券品种 证券代码    证券简称
                                          本   数量(股) 比例       数量(股) 比例          值       益            科目
    A股      600830    香溢融通        3,866      750,000     0.165%   750,000    0.165%     4,875        -        可供出售
    期末持有的其他证券投资                    -         -           -       -            -        -         -
    合计                                 3,866      750,000     0.165%   750,000    0.165%     4,875
    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
       七、其他需说明的重大事项
       (一)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 公司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进行充分(包括但不限于市场风险、流动性风险、信用风 的识别、分析和评估,采用久期、限额管控、风险价值、压力测试、授信
    险、操作风险、法律风险等)                     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 报告期内公司已投资衍生品市场价格或公允价值随市场交易参数变化而波变动的情况,对衍生品公允价值的分析应披露具 动,衍生品估值参数按具体产品设定,与行业惯例相一致,公允价值计量
    体使用的方法及相关假设与参数的设定             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
                                               公司独立董事理解,衍生品交易业务是公司经中国银行业监督管理委员会独立董事对公司衍生品投资及风险控制情况的专
                                               批准的常规银行业务之一。报告期内,公司重视该项业务的风险管理,对项意见
                                               衍生品交易业务的风险控制是有效的。
       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              11,252,012                 8,511,982               (54,739)                    36.41%
                                                                         宁波银行股份有限公司 2013 年第一季度报告全文
    货币掉期              109,909,303                111,623,812              (178,419)                477.47%
    利率互换                 66,953,690               70,954,480                  (8,777)              303.51%
    期权合同                   681,172                 710,553                    (11,268)              3.04%
       合计                188,796,177                191,800,827              (253,203)                820.43%
    (二)报告期内接待调研、沟通、采访等活动登记表
                                            接待对                                                 谈论的主要内容及提
    接待时间       接待地点      接待方式                               接待对象
                                            象类型                                                       供的资料
    2013 年 1 月 25 日 公司会议室    实地调研    机构    博时基金、万家基金、国泰君安                  2012 年第三季度报告
    2013 年 1 月 30 日 公司会议室    实地调研    机构    英大证券、中原证券                            2012 年第三季度报告
                                                     广发证券、工银瑞信、嘉实基金、华夏基金、东
    2013 年 3 月 14 日 公司会议室    实地调研    机构                                                   2012 年度业绩快报
                                                     方基金、国泰君安
    2013 年 3 月 19 日 公司会议室    实地调研    机构    浙商证券、南京证券                             2012 年度业绩快报
    (三)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。
    (四)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券事项。
    八、董事会关联交易管理执行情况
    (一)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 2013 年 3 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18620.27 万元,质押项下为 0 万元,保证项下为 50 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                                                           18620.27
                         质押                                                                 0
                                                                宁波银行股份有限公司 2013 年第一季度报告全文
                            保证                                                 50
                            信用                                                 0
                            合计                                              18670.27
       (二)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,2013 年一季度关联自然人与本行金额在 30 万元以上的交易共 164 笔,发生日合计业务余额 12172.5 万元,扣除保证金后敞口 12167.5 万元,截至 3 月底扣除保证金后敞口 9075.5 万元。
       (三)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。
       执行情况:至 2013 年 3 月底,宁波杉杉股份有限公司及关联体在我行扣除保证金后实际业务余额为35354.47 万元,雅戈尔集团股份有限公司及关联体在我行扣除保证金后实际业务余额 87380.51 万元,宁波富邦控股集团有限公司及关联体在我行扣除保证金后实际业务余额为 66601.81 万元,宁波市电力开发公司及关联体在我行扣除保证金后实际业务余额为 3351.01 万元,华茂集团股份有限公司及关联体在我行扣除保证金后实际业务余额为 63359.66 万元,上述五家本行持股 5%以上股东关联方的授信余额合计为256047.46 万元。从上述统计数据看,上述五家本行持股 5%以上股东关联方单户最高授信限额未超过 10亿元,股东关联体最高授信限额未超过 15 亿元,上述五家非自然人股东授信余额合计未超过 45 亿元。
       1、宁波杉杉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        实际业务余额                            备注
                                                                           实际业务余额
                                      2200          0                     0
    1        杉杉集团有限公司
                                                    中长期贷款 7700       7700
                                      3000          流贷 1000             1000
    2        宁波杉杉实业发展有限公司     USD1000       开证 1433.15          1321.36          进口额度
                                      USD500        押汇 1391.15          1391.15          出口额度
                                                                        宁波银行股份有限公司 2013 年第一季度报告全文
                                          2000            0                       0
    3        上海杉杉科技有限公司
                                                          贴现 1475.9             0
                                                          流贷 350
    4        宁波意丹奴服饰有限公司           500                                     360
                                                          银承 20
                                          4200            流贷 1860               1860
         宁波经济技术开发区汇星贸易有限
    5        公司                             USD500          开证 114.79             114.79             进口额度
                                          USD80           0                       0                  出口额度
    6        宁波新明达针织有限公司           1600            流贷 1000               1000
    7        宁波贝儿森孕婴用品有限公司                       流贷 700                700
         宁波杉工结构监测与控制工程中心
    8                                         400             保函 145.54             68.82              单项额度
         有限公司
                                                          流贷 3000
                                                          国内开证 3083.96
                                          13000                                   6565.42
                                                          保函 906.51
         宁波尤利卡太阳能科技发展有限公
    9                                                         开证 465.6
         司
                                          8000            银承 6192.13            3096.06            单项额度
                                          2000            押汇 2640.53            2640.53            出口额度
    10       上海中科英华科技发展有限公司     5000            流贷 5000               5000
    11       宁波志兴工贸有限公司             100             12.65                   12.65              金融衍生品额度
    12       宁波大榭开发区重盛贸易有限公司   0               商票贴现 2523.69        2523.69
    13       宁波北工能源有限公司             0               开证 3001               0
         合计                                             44016.61                35354.47
       2、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       实际业务余额                            备注
                                                                                      实际业务余额
                                                                  开证 104087.3
                                                   99000          代付 3362.03     78225.74          进口额度
    1        中基宁波集团股份有限公司
                                                                  押汇 5376.19
                                                   1000           117.95           117.95            金融衍生品额度
                                                   USD965         开证 4433.14     4433.14           进口额度
    2        宁波经济技术开发区中基进出口有限公司
                                                   USD35          押汇 11.94       11.94             出口额度
                                                                  开证 3388.62
    3        宁波雅戈尔国际贸易运输有限公司            5000                            4293.75           进口额度
                                                                  代付 905.13
                                                   3000           开证 297.98      297.98            进口额度
    4        宁波保税区华东进口商品市场开发有限公司
                                                                  押汇 87.58
         合计                                                     122067.87        87380.51
       3、宁波富邦控股集团有限公司及关联体
                                                            宁波银行股份有限公司 2013 年第一季度报告全文
                                                                                         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
    1        宁波富邦控股集团有限公司         8500        流贷 8500        8500
                                                      流贷 11300
                                          14800                        14629.6
                                                      国内开证 4162
    2        宁波市家电日用品进出口有限公司
                                          USD500      0                0               进口额度
                                          500         0                0               金融衍生品额度
    3        宁波富邦格林家具有限公司         4000        银承 8000        4000            单项额度
                                          9800        银承 16350       9800
    4        宁波亨润家具有限公司                         开证 25.08
                                          USD450                       57.45           进口额度
                                                      代付 40.6
                                          7300        流贷 7300        7300
                                          USD420      开证 744.73      706.97          进口额度
    5        宁波亨润聚合有限公司
                                                      贴现 1500
                                                                       0
                                                      银承 142.76
    6        宁波亨润塑机有限公司             2000        流贷 2000        2000
    7        宁波家私有限公司                 3000        贷款 3000        3000
                                          5200        银承 7450        5200
                                                      开证 43.57
    8        宁波富邦家具有限公司
                                          USD100      代付 185.54      307.79          进口额度
                                                      押汇 113.64
    9        宁波富邦精业贸易有限公司         500         银承 500         300             单项额度
    10       宁波富邦木业有限公司             800         银承 1600        800
    11       宁波富邦广场投资开发有限公司     10000       贷款 10000       10000           行内银团
    12       宁波恒亨国际贸易有限公司         0           押汇 1545.8      0
         合计                                         84503.7          66601.81
       4、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
                                          1000        流贷 450         450
    1        宁波宁电进出口有限公司           USD600      开证 1176.68     1176.68         进口额度
                                          1000        远期结汇 8.22    8.22            金融衍生品额度
                                                      开证 69.04
                                          USD400                       846.04          进口额度
    2        宁波宁电国际贸易有限公司                     押汇 777
                                          500         0                0               金融衍生品额度
                                                      开证 91.08
                                          USD1000     押汇 575.49      870.07          进口额度
    3        宁波宁电南方国际贸易有限公司
                                                      代付 203.5
                                          1000        0                0               金融衍生品额度
         合计                                         3351.01          3351.01
       5、华茂集团股份有限公司及关联体
                                                               宁波银行股份有限公司 2013 年第一季度报告全文
                                                                                            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
                                                          开证 10298.05
    2        宁波茂煊国际贸易有限公司            20000        代付 4112.24     14410.29       综合和进口额度
                                                          贴现 710.71
                                                          流贷 2000
                                             24161        银承 1025.55     23911.15       综合和进口额度
    3        浙江华茂国际贸易有限公司
                                                          开证 21090.71
                                             600          远期结汇 38.22   38.22          金融衍生品额度
    4        宁波华茂科技股份有限公司            10000        流贷 10000       10000
         合计                                             64275.49         63359.66
       (四)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,2013 年一季度,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,2013 年一季度未发生一般关联交易;
       2、经统计,2013 年一季度发生重大关联交易 47 笔;
       3、经统计,2013 年一季度未发生特别重大关联交易。
                                                            宁波银行股份有限公司 2013 年第一季度报告全文
    根据 2013 年一季度一般关联交易、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的控制要求。
    (五)与新加坡华侨银行及其关联体的交易情况
    根据中国银监会颁布的《商业银行与内部人和股东关联交易管理办法》第八条的有关规定,商业银行的关联法人不包括商业银行。但在深圳证券交易所《股票上市规则》对于关联方认定的有关条款中规定,持有公司 5%以上股份的法人属于关联方认定范畴,因此公司将新加坡华侨银行及其关联方在我行发生相关交易的情况作如下报告:
    截至 2013 年 3 月 31 日,我行给予新加坡华侨银行授信额度为人民币 20 亿元,目前在本行风险敞口2.45 亿元,其中预清算 2.45 亿元;我行给予新加坡华侨银行(中国)有限公司授信额度为人民币 15.5 亿元,目前实际风险敞口为 5.21 亿元,其中预清算 2.13 亿元、利率互换 3.08 亿元。
    九、报告期内公司无重大对外担保事项
    十一、重大诉讼事项
               性质                      涉案金额(万元)                          件数
    1、主诉案件                                  99,232                                 490
    其中:今年起诉的案件                         26,675                                 79
    2、被诉案件                                    72                                    3
    其中:今年被诉的案件                           0.5                                   2
    十二、报告期内无重大投资、收购、出售资产、设备采购事项
    十三、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○一三年四月二十三日
                                                              宁波银行股份有限公司 2013 年第一季度报告全文
                                         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                                                 2013 年 3 月 31 日           2012 年 12 月 31 日资产
    现金及存放中央银行款项                                  52,314,694                    45,493,814
    存放同业款项                                            29,197,283                    33,222,961
    拆出资金                                                2,152,600                     6,667,509
    交易性金融资产                                          2,950,481                     1,784,415
    衍生金融资产                                            3,424,704                     3,375,274
    买入返售金融资产                                        42,497,864                    35,712,105
    应收利息                                                1,469,897                     1,552,768
    发放贷款和垫款                                         151,085,439                   142,564,629
    可供出售金融资产                                        76,566,592                    57,201,901
    持有至到期投资                                          16,935,065                    16,987,697
    应收款项类投资                                          36,146,171                    22,306,412
    长期股权投资                                              13,250                        13,250
    投资性房地产                                              14,738                        14,738
    固定资产                                                2,356,570                     2,397,820
    无形资产                                                  82,928                        87,898
    递延所得税资产                                          1,349,298                     1,225,132
    其他资产                                                3,061,725                     2,928,266
    资产总计                                               421,619,298                   373,536,589负债及所有者权益
    同业及其他金融机构存放款项                              54,629,118                    44,543,618
    拆入资金                                                23,918,528                    22,203,240
    衍生金融负债                                            3,595,928                     3,357,488
    卖出回购金融资产款                                      47,178,461                    55,458,492
    吸收存款                                               244,267,093                   207,577,270
    应付职工薪酬                                             322,230                       624,031
    应交税费                                                 866,873                       599,694
    应付利息                                                3,050,197                     3,055,742
    应付债券                                                10,475,089                    10,474,150
    递延所得税负债                                           860,336                       839,243
    其他负债                                                9,077,401                     2,686,661
    负债合计                                               398,241,254                   351,419,629
    股本                                                    2,883,821                     2,883,821
    资本公积                                                7,890,809                     7,899,256
    盈余公积                                                1,486,302                     1,486,303
    一般风险准备                                            1,499,934                     1,499,934
    未分配利润                                              9,617,180                     8,347,646
    股东权益合计                                            23,378,044                    22,116,960
    负债和股东权益总计                                     421,619,298                   373,536,589
    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
                                                                 宁波银行股份有限公司 2013 年第一季度报告全文
                                               利 润 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                             2013 年 1-3 月                2012 年 1-3 月
    一、营业收入                                                2,937,207                    2,402,595
    利息净收入                                              2,703,736                    2,053,475
       利息收入                                             5,951,606                    4,078,587
       利息支出                                             3,247,869                    2,025,112
    手续费及佣金净收入                                       359,320                       250,266
       手续费及佣金收入                                      396,582                       280,874
       手续费及佣金支出                                      37,262                        30,608
    公允价值变动收益(损失以“-”填列)                       (221,909)                      250,023
    投资收益(损失以“-”填列)                                 (135)                        16,247
    汇兑收益(损失以“-”填列)                                88,589                      (180,193)
    其他业务收入                                              7,606                        12,777
    二、营业支出及损失                                          1,358,598                    1,099,491
       营业税费                                              210,245                       153,458
       业务及管理费                                          925,275                       766,030
       资产减值损失                                          223,062                       180,000
       其他业务成本                                            16                             3
    三、营业利润                                                1,578,609                    1,303,105
       加:营业外收入                                         8,814                         4,512
       减:营业外支出                                         2,552                         1,694
    四、以前年度损益调整                                            0
    五、利润总额                                                1,584,871                    1,305,923
       减:所得税                                            315,338                       272,284
    六、净利润                                                  1,269,533                    1,033,639七、每股收益:
    (一)基本每股收益                                         0.44                          0.36
    (二)稀释每股收益                                         0.44                          0.36
    八、其他综合收益                                             (8,447)                      (22,473)
    九、综合收益总额                                            1,261,085                    1,011,166
    其中:归属于母公司所有者的综合收益总额                  1,261,085                    1,011,166
             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: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
                                                                 宁波银行股份有限公司 2013 年第一季度报告全文
                                                   现金流量表
       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                            2013 年 1-3 月                2012 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                             46,775,324                    7,659,471
    向其他金融机构拆入资金净增加额                                  0                             0
    收取利息、手续费及佣金的现金                               4,902,447                     3,755,925
    收到其他与经营活动有关的现金                               6,484,363                     1,523,964
    经营活动现金流入小计                                   58,162,134                    12,939,360
    客户贷款及垫款净增加额                                     8,744,005                     7,632,955
    存放中央银行和同业款项净增加额                             2,938,509                     3,711,397
    向其他金融机构拆入资金净减少额                             7,383,357                     5,679,670
    支付利息、手续费及佣金的现金                               3,290,677                     1,915,038
    支付给职工及为职工支付的现金                                 832,106                       721,017
    支付的各项税费                                               369,497                       355,635
    支付其他与经营活动有关的现金                                 323,356                     1,839,036
    经营活动现金流出小计                                   23,881,507                    21,854,748
    经营活动产生的现金流量净额                             34,280,627                   (8,915,388)
    二、投资活动产生的现金流量:                                    0
    收回投资所收到的现金                                       19,308,298                    3,832,956
    取得投资收益收到的现金                                     1,528,611                       645,391
    收到其他与投资活动有关的现金                                   166                           259
    投资活动现金流入小计                                   20,837,075                    4,478,606
    投资支付的现金                                             53,670,063                    16,119,489
    购建固定资产、无形资产和其他长期资产所支付的现金             130,755                       76,862
    支付其他与投资活动有关的现金                                    0                             0
    投资活动现金流出小计                                   53,800,818                    16,196,351
    投资活动产生的现金流量净额                            (32,963,743)                  (11,717,745)
    三、筹资活动产生的现金流量:                                    0
    吸收投资收到的现金                                              0                             0
    发行债券收到的现金                                              0                             0
    收到其他与筹资活动有关的现金                                    0                             0
    筹资活动现金流入小计                                        0                             0
    分配股利、利润或偿付利息支付的现金                              0                             0
    支付其他与筹资活动有关的现金                                    0                             0
    筹资活动现金流出小计                                        0                             0
    筹资活动产生的现金流量净额                                  0                             0
    四、汇率变动对现金的影响                                     (7,954)                         403
    五、现金及现金等价物净增加额                               1,308,930                    (20,632,730)
    加:期初现金及现金等价物余额                               48,306,657                    46,272,013
    六、期末现金及现金等价物余额                               49,615,587                    25,639,283
    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