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2019年09月19日 星期四

宁波银行(002142)公告正文

宁波银行:2013年第三季度报告全文

公告日期:2013-10-29

                       宁波银行股份有限公司 2013 年第三季度报告全文
    宁波银行股份有限公司BANK OF NINGBO CO.,LTD.
    (股票代码:      002142)
    2013 年第三季度报告
       2013 年 10 月 25 日
                                                                 宁波银行股份有限公司 2013 年第三季度报告全文
                                            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 10 月 25 日召开了宁波银行股份有限公司第四届董事会 2013 年第二次临时会议,以通讯表决的方式审议通过了关于《宁波银行股份有限公司 2013 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。
                                     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,公司未因会计政策变更及会计差错更正等追溯调整或重述以前年度会计数据。
                                           2013 年 7-9 月   比上年同期增减   2013 年 1-9 月 比上年同期增减
    营业收入(千元)                            3,153,425           18.41%        9,277,091          21.66%
    归属于上市公司股东的净利润(千元)          1,336,322           13.56%        3,943,830          18.27%归属于上市公司股东的扣除非经常性损益的净
                                            1,345,023           14.30%        3,957,917          18.74%利润(千元)
    经营活动产生的现金流量净额(千元)               -                -           38,196,937         130.56%
    每股经营活动产生的现金流量净额(元)             -                -             13.25            130.56%
    基本每股收益(元)                             0.46             13.56%           1.37            18.27%
    稀释每股收益(元)                             0.46             13.56%           1.37            18.27%
    扣除非经常性损益后的基本每股收益(元)         0.47             14.30%           1.37            18.74%
                                                                             宁波银行股份有限公司 2013 年第三季度报告全文
    加权平均净资产收益率                                  5.67%           增加 0.04 个百分点        16.59%        减少 0.03 个百分点
    扣除非经常性损益后的加权平均净资产收益率              5.70%           增加 0.07 个百分点        16.65%        增加 0.04 个百分点
    全面摊薄净资产收益率                                  5.34%           减少 0.16 个百分点        15.76%        增加 0.18 个百分点
    扣除非经常性损益后的全面摊薄净资产收益率              5.37%           减少 0.13 个百分点        15.82%        增加 0.25 个百分点
                                                 2013 年 9 月 30 日          2012 年 12 月 31 日                 增减幅度
    总资产(千元)                                      452,449,790                   373,536,589                       21.13%
    归属于上市公司股东的所有者权益(千元)                25,025,010                   22,116,960                       13.15%
    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)                  8.68                         7.67                          13.15%
    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》(2012 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。
    (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 1-9 月金额
    1、非流动性资产处置损益                                                                                       (2,397)
    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                                                                      (16,386)
    合计对利润总额的影响                                                                                         (18,783)
    所得税影响额                                                                                                   4,696
                                          合计                                                               (14,087)
    (三)补充财务指标
                                                              监管       2013 年        2012 年            2011 年           2010 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(%)          ≥10.5         12.52          不适用            不适用            不适用根据《商业银行资本管理办
                                  一级资本充足率(%)           ≥8.5        9.61          不适用            不适用            不适用
      法(试行)》
                             核心一级资本充足率(%)            ≥7.5        9.61          不适用            不适用            不适用
    根据《商业银行资本充足率            资本充足率(%)              ≥8        13.40            15.65            15.36            16.20
       管理办法》                 核心资本充足率(%)            ≥4        10.09            11.49            12.17            12.50
    流动性比率(本外币)(%)                                         ≥25        34.59            41.99            52.19            46.90
                                  拆入资金比例                ≤8          3.60            4.66             2.76              1.08拆借资金比例(人民币)(%)
                                  拆出资金比例                ≤8          0.70            3.30             0.59              0.21
    存贷款比例(本外币)(%)                                         ≤75        60.40            67.74            66.62            66.22
    不良贷款比率(%)                                                ≤5         0.84            0.76             0.68              0.69
    拨备覆盖率(%)                                                 ≥150      252.55          275.39            240.74            196.15
    单一最大客户贷款比例(%)                                       ≤10         2.99            2.44             2.17              2.48
    最大十家单一客户贷款比例(%)                                   ≤50        15.28            16.10            18.31            17.43
                                                                           宁波银行股份有限公司 2013 年第三季度报告全文
    单一最大集团客户授信比例(%)                                 ≤15         5.91           3.99              3.23              3.67
                              正常类贷款迁徙率                           1.91           2.67              3.96              2.33正常贷款迁徙率(%)
                              关注类贷款迁徙率                           32.42          14.81             8.80             18.15
                              次级类贷款迁徙率                           65.30          76.75             4.49             34.27不良贷款迁徙率(%)
                              可疑类贷款迁徙率                           13.52          38.95            36.64             67.08
    利息收回率(%)                                                            98.62          98.53            99.12             99.42
    总资产收益率(%)                                                          1.27           1.28              1.24              1.09
    成本收入比(%)                                                            31.85          34.13            36.38             38.14
    资产负债率(%)                                                            94.47          94.08            92.82             93.97
    (四)资本构成情况
                                                                                                              单位:(人民币)千元
                                  2013 年                   2012 年                  2011 年                      2010 年
            项   目
                                 9 月 30 日              12 月 31 日                12 月 31 日                 12 月 31 日
    资本净额                      32,613,922                29,844,889                 23,031,480                  20,163,883
    核心一级资本净额              25,014,964                21,911,384                 18,252,616                  15,565,457
    二级资本                        7,598,958               7,940,999                  4,784,245                    4,658,742
    加权风险资产净额              260,436,209               190,660,716              149,993,362                  124,484,846
    资本充足率                       12.52%                    15.65%                    15.36%                      16.20%
    核心一级资本充足率                9.61%                    11.49%                    12.17%                      12.50%
    注:2013 年 9 月 30 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(个)                                                     129,707
                                                   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       162,000,000
    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       142,840,000
    雅戈尔集团股份有限公司                     境内非国有法人        6.79    195,700,000 70,500,000           质押       190,500,000
    宁波杉杉股份有限公司                       境内非国有法人        6.21    179,000,000           0
    卓力电器集团有限公司                       境内非国有法人        1.87    54,000,000            0          质押        54,000,000
    新加坡华侨银行有限公司(QFII)                境外法人            1.6    46,099,471            0
    宁兴(宁波)资产管理有限公司               境内非国有法人        1.55    44,750,000            0
                                              前 10 名无限售条件股东持股情况
                 股东名称               期末持有无限售条件股份数                                   股份种类
                                                                      宁波银行股份有限公司 2013 年第三季度报告全文
                                                    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
    宁波富邦控股集团有限公司                       130,804,200              人民币普通股             130,804,200
    雅戈尔集团股份有限公司                         125,200,000              人民币普通股             125,200,000
    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
                                      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。
    三、银行业务数据
    (一)分支机构和员工情况
    序                                                                              机构                 资产规模
          机构名称                              营业地址                                员工数
    号                                                                               数                  (千元)
    1          总行                     宁波市鄞州区宁南南路 700 号                  1      1,409      171,802,910
                           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                                                               11       487       36,127,356
                                             第 20、21、22 层
    3        杭州分行                    杭州市西湖区保俶路 146 号                   9       354       18,964,871
    4        南京分行                    南京市鼓楼区汉中路 120 号                   7       303       26,151,491
                           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                                                                6       275       23,540,826
                                     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                  8       317       25,806,905
    7        温州分行                    温州市鹿城区南浦路 260 号                   4       169        5,625,868
    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      3       213       19,855,630
    9        无锡分行                 无锡市北塘区北大街 20 号 1、2 层               3       155       11,513,845
    10        金华分行                       金华市丹溪路 1133 号                     1        73         507,422
    11        海曙支行                   宁波市海曙区解放南路 135 号                  5       112        4,134,951
    12        江东支行                   宁波市江东区中山东路 466 号                  6       158        9,074,677
    13        江北支行                    宁波市江北区人民路 270 号                   6       127        9,855,590
    14        湖东支行                     宁波市海曙区广济街 4 号                    2        74        5,094,227
    15        西门支行                   宁波市海曙区中山西路 197 号                  5       103        4,029,484
    16        东门支行                   宁波市江东区百丈东路 868 号                  4        92        3,073,746
    17        天源支行                    宁波市海曙区柳汀街 230 号                   4        93        3,437,850
    18        灵桥支行                   宁波市江东区彩虹南路 275 号                  4       100        3,319,843
                                                                         宁波银行股份有限公司 2013 年第三季度报告全文
    19     国家高新区支行                   宁波市高新区江南路 651-655 号                5          107         4,350,237
    20           四明支行                      宁波市海曙区蓝天路 9 号                   5          112         9,864,859
    21           明州支行                    宁波市鄞州区嵩江中路 199 号                 8          155         6,053,635
    22           北仑支行                  宁波市北仑区新碶镇明州路 221 号               6          128         6,488,579
    23           镇海支行                       宁波市镇海车站路 18 号                   5          108         5,199,048
    24           鄞州支行               宁波市鄞州区钟公庙街道四明中路 666 号            9          167         8,298,582
    25           宁海支行                宁波市宁海县桃源街道时代大道 158 号             6          147         3,835,656
    26           余姚支行                      宁波余姚市阳明西路 28 号                  7          146         5,968,359
    27           新建支行                   宁波余姚市阳明西路 340-348 号                6          101         3,269,639
    28           慈溪支行                      宁波慈溪市慈甬路 207 号                   8          164         6,072,065
    29           城东支行                   宁波慈溪市新城大道 483-495 号                7          144         3,393,251
    30           象山支行                   宁波市象山县丹城靖南路 274 号                4          77          3,341,787
    31           奉化支行                       宁波奉化市中山路 16 号                   6          89          4,396,601
                  合计: 200 个(含总行下辖二级支行 1 个,社区支行 28 个)                     6,259       452,449,790
    (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
                                       9 月 30 日         12 月 31 日            12 月 31 日              12 月 31 日
    资产总额                             452,449,790          373,536,589           260,497,637              263,274,332
    -现金及存放中央银行款项              58,038,004          45,493,814            41,582,445                31,560,555
    -存放同业款项                        41,133,986          33,222,961            38,932,780                7,996,156
    -拆出资金                             1,777,205           6,667,509             1,000,000                 300,000
    -交易性金融资产                       3,026,645           1,784,415             1,980,194                 353,292
    -衍生金融资产                         5,692,419           3,375,274             1,687,630                2,249,556
    -买入返售金融资产                    29,334,241          35,712,105             3,355,324                83,021,547
    -应收利息                             1,793,175           1,552,768             1,327,836                 599,389
    -发放贷款和垫款                     160,589,013          142,564,629           120,741,933              100,194,454
    -可供出售金融资产                    85,862,675          57,201,901            26,504,955                4,324,763
    -持有至到期投资                      16,014,170          16,987,697            17,555,337                9,838,342
    -应收款项类投资                      40,511,608          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                             2,353,542           2,397,820             1,365,957                1,281,221
    -无形资产                              75,313              87,898                 88,641                   92,224
    -递延所得税资产                       2,088,234           1,225,132              628,352                  644,549
    -其他资产                             4,131,572           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
                                                                                宁波银行股份有限公司 2013 年第三季度报告全文
                                            2013 年                   2012 年               2011 年            2010 年
                项   目
                                           9 月 30 日               12 月 31 日           12 月 31 日        12 月 31 日
    负债总额                                427,424,780               351,419,629            241,783,570        247,397,693
    -向中央银行借款                            200,000                      0                       0                0
    -同业及其他金融机构存发放款项          63,774,461                44,543,618              16,175,464         7,368,045
    -拆入资金                              26,578,182                22,203,240              11,924,128         8,805,389
    -衍生金融负债                             6,088,261                3,357,488              1,883,333         2,246,004
    -卖出回购金融资产款                    42,231,124                55,458,492              23,067,793         72,772,019
    -吸收存款                              250,661,674               207,577,270            176,736,656        145,827,979
    -应付职工薪酬                              716,124                  624,031                423,909            284,006
    -应交税费                                  750,760                  599,694                655,101            360,344
    -应付利息                                 4,264,148                3,055,742              1,790,994         1,107,076
    -应付债券                              18,463,889                10,474,150               7,474,222         7,467,900
    -递延所得税负债                           1,408,020                 839,243                471,072            592,440
    -其他负债                              12,288,137                  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
                               9 月 30 日                  12 月 31 日                12 月 31 日           12 月 31 日
    客户贷款及垫款               164,063,883                  145,617,543                 122,745,110          101,574,407
    -个人贷款及垫款            46,603,301                   35,621,124                 29,771,984           26,379,887
    -公司贷款及垫款           111,024,799                  103,692,853                 90,229,454           73,780,801
    -票据贴现                  6,435,783                    6,303,566                   2,743,672            1,413,719
    减:贷款损失准备              3,474,870                    3,052,914                   2,003,177            1,379,953
    贷款及垫款净额               160,589,013                  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
                           9 月 30 日                   12 月 31 日                  12 月 31 日           12 月 31 日
    客户存款                  250,661,674                   207,577,270                 176,736,656            145,827,979
    -活期存款                122,029,931                   108,268,370                  98,623,268            86,343,536
    个人                  17,070,750                    12,848,006                   11,485,119             9,446,277
    公司                  104,959,181                   95,420,364                   87,138,149            76,897,259
    -定期存款                128,631,743                   99,308,900                   78,113,388            59,484,443
    个人                  45,667,417                    33,870,793                   22,658,084            19,283,867
    公司                  82,964,326                    65,438,107                   55,455,304            40,200,576
                                                                       宁波银行股份有限公司 2013 年第三季度报告全文
       (六)拆入资金
                                                                                                         单位:(人民币)千元
                                      2013 年             2012 年                     2011 年                    2010 年
           项   目
                                     9 月 30 日         12 月 31 日                  12 月 31 日             12 月 31 日
    拆入资金                            26,578,182          22,203,240                   11,924,128               8,805,389
    -银行拆入                          26,578,182          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 9 月 30 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         162,687,971         99.16     144,508,959            99.24          18,179,013              (0.08)
        正常            160,826,226         98.03     142,493,153            97.85          18,333,074               0.18
        关注             1,861,745           1.13      2,015,806              1.38           -154,061               (0.25)
    不良贷款小计           1,375,912           0.84      1,108,584              0.76           267,328                 0.08
        次级              536,039            0.33       468,396               0.32              67,643               0.01
        可疑              674,625            0.41       424,174               0.29           250,451                 0.12
        损失              165,248            0.10       216,014               0.15           -50,766                (0.05)
    客户贷款合计          164,063,883        100.00     145,617,543            100.00         18,446,341               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 9 月 30 日                     2012 年 12 月 31 日
    期初余额                                                          3,052,914                              2,003,177
    本年计提                                                            749,113                              1,076,350
    本年核销                                                          (329,539)                               (15,469)
    本年转回                                                              382                                  6,359
    已减值贷款利息拨回                                                     -                                  (17,503)
    其他                                                                 2,000                                   -
    期末余额                                                          3,474,870                              3,052,914
       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
                                                                      宁波银行股份有限公司 2013 年第三季度报告全文提减值准备。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             240,407             1,793,175           0             个别认定
    贷款表外应收利息            181,141              (1,360)              179,781            0                   -
    (十一)营业总收入构成变动情况
                                                                                                 单位:(人民币)千元
                           2013 年 1-9 月                  2012 年 1-9 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                 17,375,000      93.93        12,814,629           92.50     4,560,371              1.43
    -贷款利息收入           8,901,687       48.12         8,168,538           58.97      733,149              (10.85)
    -拆放同业利息收入        149,724        0.81              22,145             0.16    127,579               0.65
    -存放央行款项利息收入    549,727        2.97              426,919            3.08    122,808              (0.11)
    -存放同业利息收入        789,235        4.27              899,769            6.50   (110,534)             (2.23)
    -债券投资利息收入       1,161,935       6.28              920,944            6.65    240,991              (0.37)
    -理财产品利息收入       3,780,557       20.44         1,438,352           10.38     2,342,205              10.04
                                                                                  宁波银行股份有限公司 2013 年第三季度报告全文
    —买入返售金融资产               2,042,110         11.04          937,885                 6.77          1,104,225              4.27
    -其他                               25             0.00                77                0.00            (52)                 (0.00)
    手续费及佣金收入                 1,352,280          7.31          772,378                 5.58           579,902               1.73
    其他业务收入                       25,809           0.14             24,183               0.17            1,626                (0.03)
    投资收益                           88,757           0.48             30,358               0.22           58,399                0.26
    汇兑损益                          138,938           0.75         (32,149)             (0.23)             171,087                0.98
    公允价值变动                     (482,374)         (2.61)         243,734                 1.76          (726,108)              (4.37)
    合计                             18,498,410        100.00       13,853,133            100.00            4,645,277               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                                                              36,315,023                               22.13%
    2      批发和零售业                                                        22,817,924                               13.91%
    3      租赁和商务服务业                                                    16,822,976                               10.25%
    4      房地产开发贷款                                                      9,327,997                                5.69%
    5      建筑业                                                              6,939,241                                4.23%
    6      水利、环境和公共设施管理业                                          6,762,470                                4.12%
    7      经营性物业贷款                                                      4,292,191                                2.62%
    8      交通运输、仓储和邮政业                                              3,243,360                                1.98%
    9      电力、热力、燃气及水生产和供应业                                    2,400,294                                1.46%
    10      公共管理、社会保障和社会组织                                        1,871,900                                1.14%
                       合    计                                              110,793,376                              67.53%
       2、报告期末,贷款地区分布情况
                                                                                                                    单位:(人民币)千元
                                                   2013 年 9 月 30 日                                        2012 年 12 月 31 日
            项    目
                                            余额                        占比                     余额                         占比
    北京市                                    5,492,872                   3.34%                      5,311,242                 3.65%
    上海市                                    15,682,208                  9.56%                  14,235,016                    9.78%
    浙江省                                    104,634,310                63.78%                  93,180,033                   63.99%
    其中:宁波市                              86,871,331                 52.95%                  78,386,099                   53.83%
    江苏省                                    29,431,169                 17.94%                  24,658,872                   16.93%
    广东省                                    8,823,324                   5.38%                      8,232,380                 5.65%
    贷款和垫款总额                            164,063,883                100.00%                 145,617,543                  100.00%
                                                                                宁波银行股份有限公司 2013 年第三季度报告全文
    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 9 月 30 日                              2012 年 12 月 31 日
            分类
                                             金额                        比例                 金额                      比例
          信用贷款                         24,799,425                 15.12%              26,017,804                  17.87%
          保证贷款                         59,340,899                 36.17%              45,180,354                  31.03%
          抵押贷款                         72,403,383                 44.13%              64,519,768                  44.30%
          质押贷款                         7,520,176                   4.58%               9,899,617                  6.80%
    贷款和垫款总额                     164,063,883                    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          公共管理、社会保障和社会组织                               975,000                              2.99%
    客户 2                       房地产开发                                    717,000                              2.20%
    客户 3             水利、环境和公共设施管理业                              500,000                              1.53%
    客户 4             水利、环境和公共设施管理业                              492,000                              1.51%
    客户 5             水利、环境和公共设施管理业                              470,000                              1.44%
    客户 6                    租赁和商务服务业                                 438,000                              1.34%
    客户 7                       房地产开发                                    390,000                              1.20%
    客户 8                       房地产开发                                    359,500                              1.10%
    客户 9                    租赁和商务服务业                                 330,000                              1.01%
    客户 10            水利、环境和公共设施管理业                              313,000                              0.96%
                      合    计                                            4,984,500                            15.28%
                     资本净额                                                             32,613,922
    (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 9 月 30 日           跌价准备余额
    抵债资产                        153,249                       (61,936)                    91,313                     2,063
    (十四)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                                    106,409,595                                    1.10%
                                                                  宁波银行股份有限公司 2013 年第三季度报告全文
       企业定期存款                             78,493,397                                    3.13%
       储蓄活期存款                             16,497,233                                    0.45%
       储蓄定期存款                             42,393,343                                    3.39%
           合计                                 243,793,568                                   2.11%(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(%)
         公司贷款                               107,151,815                                   7.05%
         个人贷款                               32,803,432                                    7.43%
           合计                                 139,955,247                                   7.14%注: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                                                  41,822,238
                   金融机构债券                                                  3,357,533
                       央行票据                                                  1,483,991
                   地方政府债券                                                   519,364
                      铁道部债券                                                  100,000
                         合计                                                    47,283,126(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 记账式国债                   14,625,000             2014-3-10~2021-8-18                    2.82~3.99
    2012 记账式国债                   9,550,000              2015-4-26~2019-9-6                     2.91~3.25
    2013 记账式国债                   8,105,853              2016-1-31~2023-5-23                    3.09~3.77
    2010 记账式国债                   3,828,000              2015-4-8~2020-12-16                    2.38~3.83
    2007 记账式国债                   2,530,000              2014-2-6~2037-5-17                     2.93~4.52
    2009 记账式国债                   1,250,000              2014-4-2~2059-11-30                    2.26~4.30
    2008 记账式国债                   1,150,000             2013-12-18~2038-10-23                   1.77~4.94
    2008 金融债券                    1,000,000                 2018-4-1~2018-7-3                        8
    2013 政策性银行债                   985,724               2014-7-18~2023-4-11                    3.68~4.86
    2013 企业债                      631,207               2014-2-6~2018-9-25                     4.02~7.50
    2009 政策性银行债                   623,091                      2016-6-16                       3.35~4.96
                                                                   宁波银行股份有限公司 2013 年第三季度报告全文
    (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 年前三季度总计发行理财产品 1249 期,销售额 2,038.57 亿元。截至 2013 年 9 月 30 日,理财存续余额 597.48 亿元。
    报告期内,本行加大与各类资产管理机构合作力度,推进业务服务创新,托管业务迅速发展。截至 2013年 9 月 30 日,托管资产规模 1,365 亿元,2013 年前三季度实现托管手续费收入 3,053 万元。
    (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 9 月 30 日               2012 年 12 月 31 日1、主要表外风险资产
        开出信用证                                    21,604,628                        11,059,374
        银行承兑汇票                                  42,795,486                        38,320,554
        开出保函                                      6,498,405                         3,042,824
        不可无条件撤销的贷款承诺(含信用卡)               0                              40,000
    2、资本性支出承诺                                      516,523                           263,659
    3、经营性租赁承诺                                     1,892,100                         1,369,414
    4、对外资产质押承诺                                   36,243,000                        26,289,000
    (二十)衍生金融工具情况
                                                                                            单位:(人民币)千元
                                                               2013 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                  9,605,726                      10,446                     129,793
       货币掉期合同                 123,721,717                     673,916                   1,182,754
       利率互换合同                 98,849,441                     4,668,977                  4,516,753
         期权合同                     655,591                       339,080                    258,961
           合计                     232,832,475                    5,692,419                  6,088,261
    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。
    (一)信用风险
                                                          宁波银行股份有限公司 2013 年第三季度报告全文
    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。
    报告期内,公司从贷前、贷中、贷后和其他要求四个方面进行了全面梳理相关制度与要求。主要内容有贷前影像流监控、贷前授信业务分析会制度、贷前实地走访、贷前抵押评估、贷中审批流程、贷中双人核保制度、贷后预警制度等。通过此项工作,进一步加强了风险管理各项制度以及管理方式,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
    截止 2013 年 9 月 30 日,公司最大单一客户贷款余额 97,500 万元,占资本净额(3,261,392 万元)的比例为 2.99%,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 9 月 30 日,公司最大单一集团客户授信敞口 192,712 万元,占资本净额(3,261,392 万元)的比例为 5.91%,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
                                                          宁波银行股份有限公司 2013 年第三季度报告全文
    截止 2013 年 9 月 30 日,公司最大十家客户贷款余额 498,450 万元,占资本净额(3,261,392 万元)的比例为 15.28%。
    4、单一关联方授信比例
    截止 2013 年 9 月 30 日,公司最大单一关联方授信敞口 183,821 万元,占资本净额(3,261,392 万元)的比例为 5.64%,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 9 月 30 日,公司全部关联方实际使用授信敞口 417,999 万元,占资本净额(3,261,392万元)的比例为 12.82%,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,不断改进流动性风险管理技术,定期监控流动性风险指标,每日监测现金流量缺口,开展流动性风险压力测试,切实提高流动性风险管理能力。
    报告期内,公司继续推进分行资产负债管理委员会制度的建立,召开分行资产负债管理委员会会议,完善分行资金头寸管理工作,监控分行流动性风险状况,提升分行流动性风险管理能力。梳理外币存贷比管理流程和应急方案,加强外币存贷比管理,确保外币存贷比保持在合理范围之内。
    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 2013 年 9 月 30 日,公司流动性资产余额 5,345,506 万元,流动性负债余额 15,455,809 万元,流动性比例 34.59%,符合银监会规定的不低于 25%的要求。
    2、流动性缺口率
                                                         宁波银行股份有限公司 2013 年第三季度报告全文
    截止 2013 年 9 月 30 日,公司 90 天内到期的流动性缺口为-1,539,977 万元,流动性缺口率-9.28%,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 9 月 30 日,公司人民币超额备付金余额 1,180,436 万元,与人民币各项存款余额的比例为 4.81%。
    4、存贷款比例
    截止 2013 年 9 月 30 日,存贷款比例(不含金融债关联贷款)60.40%,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。
    报告期内,成功实现资金业务系统二期顺利上线,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 9 月 30 日,公司累计外汇敞口头寸余额 77,603 万元,资本净额 3,261,392 万元,累计外汇敞口头寸比例 2.38%,符合银监会规定的不高于 20%的要求。
                                                       宁波银行股份有限公司 2013 年第三季度报告全文
    (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。
    报告期内,公司不断优化和完善操作风险管理政策、流程、管理工具和分析方法,提升操作风险整体管理水平。一是操作风险管理系统在报告期内正式上线运行,实现了日常操作风险管理工作的系统化平台;二是以系统为平台,制定操作风险管理工具推广计划,将操作风险与控制评估、关键风险指标监测和损失数据收集等工具向全行进行推广实施;三是组织开展了 2013 年案件专项治理工作,结合当前经济形势和案防态势,今年将防范和化解潜在信用风险、消除案件风险隐患作为排查工作的重点,包括信用风险排查和员工道德风险排查两部分。四是修订了《宁波银行业务外包管理办法》等制度,进一步完善操作风险管理政策体系。五是组织全行员工进行《宁波银行信息安全》培训和考试,增强员工信息安全意识。
    (五)其他风险
    其他可能对公司造成严重影响的风险因素,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:
    一是开展个人银行、国际结算业务内控制度的后评价工作。通过收集制度执行中客户和员工的反馈意见和建议、汇总各类检查意见,同时参考同业做法,对已施行的个人银行、国际结算业务内控制度的规范性、完整性、可操作性等方面进行审慎评估,确保符合外部法律法规、监管政策、行业自律性准则和内部管理的要求。
    二是开展全行内控制度整体评价。通过查看本机构会计报表中日计表的科目设置、外部监管政策的筛选整理、总行相关业务职能管理部门的沟通交流,重新审视本机构各项经营管理活动是否已制定对应内控制度,是否存在内控制度触角未涉及的“盲区”,确保公司开展相关经营管理活动前制度先行。
    三是制定公司业务检查操作手册。该手册从业务定义、基本要求、主要风险点及检查方法三方面对全行各项公司业务进行了具体阐述,使全行公司业务人员了解各项公司业务的风险点及检查方法,保证公司业务的合规操作。
    四是进一步优化支行员工的自检内容。在 2012 年对支行公司银行、零售公司、个人银行 3 个部门员工自检内容优化的基础上,报告期内对支行业务管理部、办公室(综合部)和运营部 3 个部门员工的自检
                                                       宁波银行股份有限公司 2013 年第三季度报告全文内容进行了调整优化,进一步提高支行员工自检的针对性和有效性。
    五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。
    六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。公司对个人高负债客户加强管理,对于借款人家庭高负债的,必须由总行部门进行审批;同时加强个人大额贷款准入管理,进一步发挥个人贷款分散风险的优势,对金额较大的个人生产经营性贷款准入进行一定限制。
    (二)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、对流动性风险实施现金流缺口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
    报告期内,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
                                                         宁波银行股份有限公司 2013 年第三季度报告全文测试结果,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,推进风险预警联席例会制度、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,在新上线的信用风险管理系统中,新设立慎贷户、禁贷户的客户库,对风险客户业务办理进行及时提示与拦截。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。
                                        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 9 月 30 日,本公司主要经营情况如下:
    1、1-9 月实现净利润 39.44 亿元,比上年同期增长 18.27%。基本每股收益 1.37 元,比上年同期增加0.21 元。
    2、总资产 4,524.50 亿元,比年初增加 789.13 亿元,增长 21.13%。
    3、贷款余额 1,640.64 亿元,比年初增加 184.46 亿元,增长 12.67%。
    4、存款余额 2,506.62 亿元,比年初增加 430.84 亿元,增长 20.76%。
    5、股东权益 250.25 亿元,比年初增加 29.08 亿元,增长 13.15%。加权平均净资产收益率 16.59%,比上年同期减少 0.03 个百分点。
                                                                              宁波银行股份有限公司 2013 年第三季度报告全文
    6、按照“五级分类”标准, 不良贷款余额 13.76 亿元,不良贷款率 0.84%。拨备覆盖率为 252.55%,贷款拨备率(贷款损失准备占贷款的比例)为 2.12%。
    7、按照《商业银行资本管理办法(试行)》要求计算的资本充足率 12.52%,一级资本充足率和核心一级资本充足率均为 9.61%。
    (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 1-9 月              比上年同期增减                   主要原因
    利息收入                                      17,375,000                     35.59%           贷款规模扩大
    利息支出                                      9,095,103                      48.77%           存款规模扩大
    手续费及佣金收入                              1,352,280                      75.08%           手续费收入增加
    公允价值变动收益(损失以“()”填列)            (482,374)                    (297.91%)          衍生金融工具变动损益
    投资收益(损失以“()”填列)                      88,757                      192.36%           投资收益增加
    汇兑收益(损失以“()”填列)                     138,938                      532.17%           外汇业务损益增加
    资产减值损失                                   749,113                       55.94%           贷款规模增加
                                                                                                             单位:(人民币)千元
                      项目                 2013 年 9 月 30 日             比年初增减                      主要原因
    拆出资金                                      1,777,205                     (73.35%)          拆出资金减少
    交易性金融资产                                3,026,645                      69.62%           交易性金融资产增加
    可供出售金融资产                              85,862,675                     50.10%           可供出售金融债券增加
    应收款项债券投资                              40,511,608                     81.61%           应收款项债券投资增加
    同业及其他金融机构存放款项                    63,774,461                     43.17%           同业存放款项增加
    应付利息                                      4,264,148                      39.55%           付息负债增加
    应付债券                                      18,463,889                     76.28%           2013 年发行 80 亿金融债券
    二、重要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,公司没有其他重要事项。
    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                     -                             -                            -                  -非公开发行认购对象承诺 宁波市电力开发公司、新加 自发行结束之日起, 2010 年 10 36 个月 严格履行
                                                                        宁波银行股份有限公司 2013 年第三季度报告全文
                          坡华侨银行有限公司、雅戈 36 个月内不转让本次 月 25 日
                          尔集团股份有限公司、宁波 认购的股份
                          富邦控股集团有限公司、宁
                          波华茂集团股份有限公司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 年经营业绩的预计
                                                                                                               单位:(人民币)千元
    2013 年归属于上市公司股东的净利润变动幅度为:                                              10%           至                    20%
    2013 年归属于上市公司股东的净利润区间:                                           4,474,951              至             4,881,764
    2012 年归属于上市公司股东的净利润:                                                              4,068,137
    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%         8,550             -       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%         8,550
    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
                                                                                                     宁波银行股份有限公司
                                                                                                                董事长:陆华裕
                                                                                                 二○一三年十月二十五日
                                                              宁波银行股份有限公司 2013 年第三季度报告全文
                                         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 9 月 30 日           2012 年 12 月 31 日资产
    现金及存放中央银行款项                                  58,038,004                    45,493,814
    存放同业款项                                            41,133,986                    33,222,961
    拆出资金                                                1,777,205                     6,667,509
    交易性金融资产                                          3,026,645                     1,784,415
    衍生金融资产                                            5,692,419                     3,375,274
    买入返售金融资产                                        29,334,241                    35,712,105
    应收利息                                                1,793,175                     1,552,768
    发放贷款和垫款                                         160,589,013                   142,564,629
    可供出售金融资产                                        85,862,675                    57,201,901
    持有至到期投资                                          16,014,170                    16,987,697
    应收款项类投资                                          40,511,608                    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                                                2,353,542                     2,397,820
    无形资产                                                  75,313                        87,898
    递延所得税资产                                          2,088,234                     1,225,132
    其他资产                                                4,131,572                     2,928,266
    资产总计                                               452,449,790                   373,536,589负债及所有者权益
    向中央银行借款                                           200,000                          -
    同业及其他金融机构存放款项                              63,774,461                    44,543,618
    拆入资金                                                26,578,182                    22,203,240
    衍生金融负债                                            6,088,261                     3,357,488
    卖出回购金融资产款                                      42,231,124                    55,458,492
    吸收存款                                               250,661,674                   207,577,270
    应付职工薪酬                                             716,124                       624,031
    应交税费                                                 750,760                       599,694
    应付利息                                                4,264,148                     3,055,742
    应付债券                                                18,463,889                    10,474,150
    递延所得税负债                                          1,408,020                      839,243
    其他负债                                                12,288,137                    2,686,661
    负债合计                                               427,424,780                   351,419,629
    股本                                                    2,883,821                     2,883,821
    资本公积                                                7,584,431                     7,899,256
    盈余公积                                                1,486,302                     1,486,303
    一般风险准备                                            2,859,911                     1,499,934
    未分配利润                                              10,210,545                    8,347,646
    股东权益合计                                            25,025,010                    22,116,960
    负债和股东权益总计                                     452,449,790                   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 年第三季度报告全文
                                               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 1-9 月               2012 年 1-9 月
    一、营业收入                                                9,277,091                    7,625,162
    利息净收入                                              8,279,897                    6,700,913
       利息收入                                            17,375,000                    12,814,629
       利息支出                                            (9,095,103)                  (6,113,716)
    手续费及佣金净收入                                      1,226,064                     658,123
       手续费及佣金收入                                     1,352,280                     772,378
       手续费及佣金支出                                     (126,216)                    (114,255)
    公允价值变动收益                                        (482,374)                     243,734
    投资收益                                                 88,757                        30,358
    汇兑收益                                                 138,938                      (32,149)
    其他业务收入                                             25,809                        24,183
    二、营业支出及损失                                         (4,296,414)                  (3,426,406)
       营业税费                                             (592,599)                    (499,371)
       业务及管理费                                        (2,954,559)                  (2,446,469)
       资产减值损失                                         (749,113)                    (480,384)
       其他业务成本                                           (143)                        (183)
    三、营业利润                                                4,980,677                    4,198,756
       加:营业外收入                                        13,369                        16,601
       减:营业外支出                                       (32,158)                      (14,618)
    四、以前年度损益调整                                            -                            -
    五、利润总额                                                4,961,888                    4,200,740
       减:所得税                                          (1,018,058)                   (866,123)
    六、净利润                                                  3,943,830                    3,334,617七、每股收益:
    (一)基本每股收益                                         1.37                          1.16
    (二)稀释每股收益                                         1.37                          1.16
    八、其他综合收益                                            (314,825)                     (64,437)
    九、综合收益总额                                            3,629,005                    3,270,180
    其中:归属于母公司所有者的综合收益总额                  3,629,005                    3,270,180
          归属于少数股东的综合收益总额                          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 年第三季度报告全文
                                              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                           2013 年 7-9 月                  2012 年 7-9 月
    一、营业收入                                             3,153,425                       2,663,190
    利息净收入                                            2,853,344                       2,362,700
       利息收入                                          5,677,834                       4,517,374
       利息支出                                         (2,824,490)                     (2,154,674)
    手续费及佣金净收入                                     435,811                         224,483
       手续费及佣金收入                                   483,152                         270,752
       手续费及佣金支出                                   (47,341)                       (46,269)
    公允价值变动损益                                        87,820                        (181,568)
    投资收益                                                26,279                         14,117
    汇兑收益                                              (262,050)                        236,335
    其他业务收入                                            12,221                          7,122
    二、营业支出及损失                                      (1,459,872)                     (1,179,158)
       营业税金及附加                                    (168,904)                       (184,336)
       业务及管理费                                     (1,071,881)                      (854,390)
       资产减值损失                                      (218,967)                       (140,432)
       其他业务成本                                          (120)                           -
    三、营业利润                                             1,693,553                       1,484,032
       加:营业外收入                                        1,813                         5,398
       减:营业外支出                                     (13,420)                        (5,501)
    四、以前年度损益调整                                           -                             -
    五、利润总额                                             1,681,946                       1,483,929
       减:所得税费用                                    (345,624)                       (307,206)
    六、净利润                                               1,336,322                       1,176,723七、每股收益:
    (一)基本每股收益                                        0.46                          0.41
    (二)稀释每股收益                                        0.46                          0.41
    八、其他综合收益                                         (258,714)                       (140,350)
    九、综合收益总额                                         1,077,608                       1,036,373
    其中:归属于母公司所有者的综合收益总额                1,077,608                       1,036,373
          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
                                                                 宁波银行股份有限公司 2013 年第三季度报告全文
                                                   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 1-9 月                2012 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                             62,315,247                    42,932,557
    向其他金融机构拆入资金净增加额                             1,420,255                          -
    收取利息、手续费及佣金的现金                               13,485,641                    11,134,080
    收到其他与经营活动有关的现金                               9,834,487                     2,655,636
    经营活动现金流入小计                                   87,055,630                    56,722,273
    客户贷款及垫款净增加额                                     18,446,341                    17,056,791
    存放中央银行和同业款项净增加额                             17,389,268                    8,336,020
    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                               8,012,913                     5,393,812
    支付给职工及为职工支付的现金                               1,544,088                     1,273,195
    支付的各项税费                                             1,694,268                     1,590,976
    支付其他与经营活动有关的现金                               1,771,815                     1,723,832
    经营活动现金流出小计                                   48,858,693                    40,155,496
    经营活动产生的现金流量净额                             38,196,937                    16,566,777二、投资活动产生的现金流量:
    收回投资所收到的现金                                       39,168,857                    11,845,459
    取得投资收益收到的现金                                     5,001,232                     2,308,626
    收到其他与投资活动有关的现金                                   758                         31,175
    投资活动现金流入小计                                   44,170,847                    14,185,260
    投资支付的现金                                             86,650,150                    47,530,477
    购建固定资产、无形资产和其他长期资产所支付的现金             669,120                       585,129
    支付其他与投资活动有关的现金                                    -                             -
    投资活动现金流出小计                                   87,319,270                    48,115,606
    投资活动产生的现金流量净额                            (43,148,423)                  (33,930,346)三、筹资活动产生的现金流量:
    吸收投资收到的现金                                              0                             -
    发行债券收到的现金                                         7,986,500                          -
    收到其他与筹资活动有关的现金                                    0                             -
    筹资活动现金流入小计                                   7,986,500                          -
    分配股利、利润或偿付利息支付的现金                           923,455                       779,264
    支付其他与筹资活动有关的现金                                    0                             -
    筹资活动现金流出小计                                     923,455                       779,264
    筹资活动产生的现金流量净额                             7,063,045                     (779,264)
    四、汇率变动对现金的影响                                    (41,098)                       (2,323)
    五、现金及现金等价物净增加额                               2,070,461                    (18,145,156)
    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                               50,377,118                    28,126,857
    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