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2019年09月21日 星期六

宁波银行(002142)公告正文

宁波银行:2014年第三季度报告全文

公告日期:2014-10-28

                         宁波银行股份有限公司 2014 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)
    2014 年第三季度报告
         2014 年 10 月
                                                              宁波银行股份有限公司 2014 年第三季度报告全文
                                            第一节 重要提示
    公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整,不存在虚假记载、误导性陈述或者重大遗漏,并承担个别和连带的法律责任。
    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 2014 年 10 月 26 日召开了宁波银行股份有限公司第五届董事会 2014 年第三次临时会议,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 2014 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、准确、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。
                                            2014 年 7-9 月   比上年同期增减   2014 年 1-9 月   比上年同期增减
    营业收入(千元)                             3,792,043         20.25%         11,086,335           19.50%
    归属于上市公司股东的净利润(千元)           1,498,340         12.12%         4,584,419            16.24%归属于上市公司股东的扣除非经常性损益的净
                                             1,505,044         11.90%         4,600,920            16.25%利润(千元)
    经营活动产生的现金流量净额(千元)               -               -            54,081,648           41.59%
    每股经营活动产生的现金流量净额(元/股)          -               -               16.64             25.64%
    基本每股收益(元/股)                          0.52            12.12%            1.59              16.24%
    稀释每股收益(元/股)                          0.52            12.12%            1.59              16.24%
    扣除非经常性损益后的基本每股收益(元/股)      0.52            11.90%            1.60              16.25%
                                                                       宁波银行股份有限公司 2014 年第三季度报告全文
    加权平均净资产收益率                               5.48%         减少 0.19 个百分点        16.60%         提高 0.01 个百分点
    扣除非经常性损益后的加权平均净资产收益率           5.51%         减少 0.20 个百分点        16.66%         提高 0.01 个百分点
    全面摊薄净资产收益率                               4.58%         减少 0.76 个百分点        14.04%         减少 1.72 个百分点
    扣除非经常性损益后的全面摊薄净资产收益率           4.60%         减少 0.77 个百分点        14.09%         减少 1.73 个百分点
    注:1、有关指标根据《公开发行证券的公司信息披露内容与格式准则第 2 号--年度报告的内容与格式》(2014 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。
    3、以上数据均为并表口径。
                                                                                      本报告期末比
         规模指标(人民币 千元)          2014 年 9 月 30 日   2013 年 12 月 31 日                     2012 年 12 月 31 日
                                                                                      上年末增减
    总资产                                      537,920,245              467,772,601         15.00%           372,697,346
    客户贷款及垫款                              200,951,349              171,189,666         17.39%           145,617,543
    -个人贷款及垫款                            65,774,168                53,237,185         23.55%            35,621,124
    -公司贷款及垫款                            122,435,842              114,769,741         6.68%            103,692,853
    -票据贴现                                  12,741,340                 3,182,740        300.33%            6,303,566
    贷款损失准备                                 4,313,167                 3,887,496         10.95%            3,052,914
    总负债                                      505,189,559              442,250,713         14.23%           350,580,386
    客户存款                                    307,059,594              255,278,327         20.28%           207,577,270
    -活期存款                                  119,119,574              109,028,201         9.26%             88,815,196
    -定期存款                                  164,362,640              125,218,886         31.26%            99,308,900
    -保证金存款                                23,577,380                21,031,240         12.11%            19,453,079
    同业拆入                                    20,594,417                13,015,003         58.24%            22,203,240
    股本                                         3,249,828                 2,883,821         12.69%            2,883,821
    股东权益                                    32,730,686                25,521,888         28.25%            22,116,960
    其中:归属于母公司股东的权益                32,661,567                25,506,693         28.05%            22,116,960
    归属于母公司股东的每股净资产(元/股)           10.05                        8.84        13.69%                 7.67
    注:以上数据均为并表口径。
       (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                                               2014 年 1-9 月金额
    1、非流动性资产处置损益                                                                                 3,126
    2、计入当期损益的政府补助                                                                                 0
    3、采用公允价值模式进行后续计量的投资性房地产公允价值变动产生的损益                                       0
    4、除上述各项之外的其他营业外收入和支出                                                                (25,128)
    合计对利润总额的影响                                                                                   (22,002)
    所得税影响额                                                                                            5,501
                                         合计                                                          (16,501)
    注:根据《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损益》(2008 年修订)规定计算。
    公司报告期不存在将根据《公开发行证券的公司信息披露解释性公告第 1 号——非经常性损益》定义、列举的非经常性
                                                                   宁波银行股份有限公司 2014 年第三季度报告全文损益项目界定为经常性损益的项目的情形。
    (三)补充财务指标
                                                                                                        (单位:%)
                                                     监管       2014 年      2013 年       2012 年         2011 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       12.16        12.06         不适用         不适用根据《商业银行资本管理
                             一级资本充足率(%)       ≥8.5       10.01         9.35         不适用         不适用
    办法(试行)》
                           核心一级资本充足率(%)     ≥7.5       10.01         9.35         不适用         不适用
    根据《商业银行资本充足          资本充足率(%)         ≥8        13.42        13.88         15.65           15.36
    率管理办法》            核心资本充足率(%)        ≥4        10.40        10.16         11.49           12.17
    流动性比率(本外币)(%)                                ≥25        60.23        42.68         41.99           52.19
                                拆入资金比例          ≤8         2.01         1.54          4.66           2.76拆借资金比例(人民币)(%)
                                拆出资金比例          ≤8         1.40         0.22          3.30           0.59
    存贷款比例(本外币)(%)                                ≤75        60.32        61.97         67.74           66.62
    不良贷款比率(%)                                       ≤5         0.89         0.89          0.76           0.68
    拨备覆盖率(%)                                        ≥150       241.12       254.88        275.39         240.74
    单一最大客户贷款比例(%)                              ≤10         2.23         3.08          2.44           2.17
    最大十家单一客户贷款比例(%)                          ≤50        12.46        15.54         16.10           18.31
    单一最大集团客户授信比例(%)                          ≤15         5.15         6.73          3.99           3.23
                          正常类贷款迁徙率                        2.06         2.92          2.67           3.96
    正常贷款迁徙率(%)         关注类贷款迁徙率                       38.39        38.49         14.81           8.80
                          次级类贷款迁徙率                       53.31        64.07         76.75           4.49
    不良贷款迁徙率(%)         可疑类贷款迁徙率                       23.30        31.15         38.95           36.64
    利息收回率(%)                                                    97.13        96.06         98.53           99.12
    总资产收益率(%)                                                   1.22         1.15          1.28           1.24
    成本收入比(%)                                                    31.18        34.86         34.13           36.38
    资产负债率(%)                                                    93.92        94.54         94.08           92.82
    净利差(%)                                                         2.64         2.91          3.29           3.12
    净息差(%)                                                         2.69         3.05          3.49           3.23
    注:1、公司根据中国银监会颁布的《商业银行资本管理办法(试行)》和《商业银行资本充足率管理办法》(简称“旧办法”)有关规定计算和披露资本充足率,数据口径为母公司口径; 其他补充财务指标数据为并表口径。
    2、上表中流动性比率、存贷款比率、单一最大客户贷款比例、最大十家客户贷款比例、单一最大集团客户授信比例按照上报监管机构的数据计算。
    3、根据《银监会关于调整商业银行存贷比计算口径的通知》(银监发[2014]34 号)规定,自 2014 年 7 月 1 日起,对存贷比计算口径进行调整。本表 2014 年 9 月 30 日的存贷款比例(含贴现)列示调整后的指标,比较期存贷款比例(含贴现)为调整前的指标。
    4、净利差=生息资产平均利率-付息负债平均利率;净息差=利息净收入÷生息资产平均余额。
                                                                         宁波银行股份有限公司 2014 年第三季度报告全文
       (四)资本构成情况
                                                                                                   单位:(人民币)千元
                                                          2014 年                               2013 年
                    项   目
                                                         9 月 30 日                            12 月 31 日
    1、核心一级资本净额                                    32,365,124                             25,266,837
    2、一级资本净额                                        32,365,124                             25,266,837
    3、总资本净额                                          39,289,121                             32,588,282
    4.风险加权资产合计                                     323,228,122                           270,308,408
    5.核心一级资本充足率                                     10.01%                                 9.35%
    6.一级资本充足率                                         10.01%                                 9.35%
    7.资本充足率                                             12.16%                                 12.06%
    注: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,数据口径为母公司口径。
       (五)贷款五级分类情况
                                                                                                   单位:(人民币)千元
                                2014 年 9 月 30 日            2013 年 12 月 31 日                   期间变动
       五级分类
                         贷款和垫款金额         占比     贷款和垫款金额            占比     数额增减      占比(百分点)
    非不良贷款小计:           199,162,182         99.11%        169,664,445          99.11%    29,497,737               0.00
    正常                       196,215,538         97.64%        167,855,077          98.05%    28,360,461             (0.41)
    关注                          2,946,644         1.47%          1,809,368           1.06%     1,137,276               0.41
    不良贷款小计:                1,789,167         0.89%          1,525,221           0.89%       263,946             (0.00)
    次级                            665,627         0.33%            515,858           0.30%       149,769               0.03
    可疑                            847,951         0.42%            674,339           0.39%       173,612               0.03
    损失                            275,589         0.14%            335,024           0.20%      (59,435)             (0.06)
    客户贷款合计               200,951,349        100.00%        171,189,666          100.00%   29,761,683               0.00
       (六)贷款损失准备计提和核销的情况
                                                                                                   单位:(人民币)千元
                              项目                                    2014 年 9 月 30 日         2013 年 12 月 31 日
    期初余额                                                                 3,887,496                     3,052,914
    本期计提                                                                 1,239,237                     1,319,252
    本期收回                                                                   18,535                         645
    其中:收回原转销贷款及垫款导致的转回                                       18,535                         645
    本期核销                                                                 (832,101)                     (457,033)
    已减值贷款利息回拨                                                            0                        (28,282)
    期末余额                                                                 4,313,167                     3,887,496
                                                                  宁波银行股份有限公司 2014 年第三季度报告全文
    二、报告期末股东总数及前十名股东持股情况表
                                                                                                                单位:股
      报告期末普通股股东总数                                          112,183
                                        前 10 名普通股股东持股情况
                                                                              持有有限售          质押或冻结情况
             股东名称                 股东性质      持股比例     持股数量     条件的股份
                                                                                             股份状态           数量
                                                                                  数量
    新加坡华侨银行有限公司                境外法人       18.58%     603,866,209 207,545,680
    宁波开发投资集团有限公司              国有法人       13.18%     428,462,192 158,462,192
    雅戈尔集团股份有限公司             境内非国有法人    10.93%     355,182,621        0
    华茂集团股份有限公司               境内非国有法人       7.39%   240,000,000        0              质押     119,000,000
    宁波市电力开发公司                    国有法人          6.82%   221,503,488        0              质押     162,000,000
    宁波富邦控股集团有限公司           境内非国有法人       6.19%   201,304,200        0              质押     83,340,000
    宁波杉杉股份有限公司               境内非国有法人       5.51%   179,000,000        0
    卓力电器集团有限公司               境内非国有法人       1.66%   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          1.42%   46,099,471         0
    宁兴(宁波)资产管理有限公司       境内非国有法人       1.38%   44,750,000         0
                                   前 10 名无限售条件普通股股东持股情况
                                   持有无限售条件普通股股份                            股份种类
             股东名称
                                             数量                      股份种类                          数量
    新加坡华侨银行有限公司                    396,320,529                人民币普通股                   396,320,529
    雅戈尔集团股份有限公司                    355,182,621                人民币普通股                   355,182,621
    宁波开发投资集团有限公司                  270,000,000                人民币普通股                   270,000,000
    华茂集团股份有限公司                      240,000,000                人民币普通股                   240,000,000
    宁波市电力开发公司                        221,503,488                人民币普通股                   221,503,488
    宁波富邦控股集团有限公司                  201,304,200                人民币普通股                   201,304,200
    宁波杉杉股份有限公司                      179,000,000                人民币普通股                   179,000,000
    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;
                                   宁波开发投资集团有限公司和宁兴(宁波)资产管理有限公司为一致行动人;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。
    公司前10名普通股股东、前10名无限售条件普通股股东在报告期内未进行约定购回交易
    三、公司经营情况分析
    2014年,本公司以实现可持续发展为目标,围绕年初制定的“拓展盈利渠道、升级营销模式、严控不良资产、加快人才培养” 四项重点工作,继续深化利润中心建设,推动客户基础不断夯实,业务规模稳
                                                            宁波银行股份有限公司 2014 年第三季度报告全文步扩大,总体保持了平稳、健康发展态势。为应对新的市场环境和客户需求,本公司将继续加快推进结构调整,持续优化客户、资产负债业务及收入结构,有效防控风险,着力提升效益,进一步增强差异化的核心竞争优势,提升市场竞争力。
    截至2014年三季度末,公司总资产5,379.20亿元,比年初增加701.48亿元,增幅为15.00%;各项存款3,070.60亿元,比年初增加517.81亿元,增幅为20.28%;各项贷款2,009.51亿元,比年初增加297.62亿元,增幅为17.39%。
    2014年三季度公司灵活配置资产,各项业务平稳健康发展,生息资产规模稳步增长,手续费及佣金收入保持较快增长,成本收入比保持在较低水平。公司2014年1-9月实现营业收入110.86亿元,同比增加18.09亿元,增幅为19.50%;营业利润57.34亿元,同比增加7.53亿元,增幅为15.13%;归属于母公司股东的净利润45.84亿元,同比增加6.41亿元,增幅为16.24%;加权平均净资产收益率16.60%,同比提升0.01个百分点;基本每股收益1.59元,同比提高0.22元。2014年前3季度,本公司净利差为2.64%,净利息收益率为2.69%,分别比半年末提升0.11个百分点和0.17个百分点
    截至2014年三季度末,公司不良贷款率0.89%,与年初持平;拨备覆盖率241.12%,资产质量保持在较好水平。
    截至2014年三季度末,公司按照《商业银行资本管理办法(试行)》计算的资本充足率为12.16%,核心一级资本充足率和一级资本充足率均为10.01%。
                                         第三节 重要事项
    一、报告期主要会计报表项目、财务指标发生变动的情况及原因
    (一)比较式会计报表中变化幅度超过30%以上项目的分析
                                                                                        单位:(人民币)千元
               项 目           2014 年 1-9 月       比上年同期增减                 主要原因
    手续费及佣金收入                 1,969,855               45.67%          中间业务收入快速增长
    投资收益                          135,210                52.34%          贵金属业务收益增加
    公允价值变动损益                 (163,478)              (66.11%)         衍生金融工具估值变动
    汇兑损益                         (580,608)             (517.89%)         外汇业务损益
    资产减值损失                     1,240,309               65.57%          贷款规模增加、损失准备计提增加
                                                                                         宁波银行股份有限公司 2014 年第三季度报告全文
                                                                                                                           单位:(人民币)千元
                       项目                      2014 年 9 月 30 日               比年初增减                             主要原因
        拆出资金                                       8,267,845                   1408.73%                 拆放同业款项增加
        交易性金融资产                                 4,727,221                    300.98%                 交易性债券持有增加
        买入返售金融资产                              11,072,644                   (71.99%)                 买入返售票据减少
        可供出售金融资产                              126,138,513                   39.58%                  可供出售债券增加
        应收款项类投资                                60,638,341                    68.05%                  应收款项类投资增加
        固定资产                                       3,289,607                    37.52%                  在建工程转入
        拆入资金                                      20,594,417                    58.24%                  境内银行拆入资金增加
        卖出回购金融资产款                            23,721,320                   (36.13%)                 卖出回购票据减少
        应付债券                                      27,822,613                    50.67%                  发行的同业存单增加
        资本公积                                      10,599,628                    34.36%                  非公开发行带来的股本溢价
               (二)2014年新颁布或修订的企业会计准则对2014年第三季度报告的影响
               财政部于 2014 年陆续颁布或修订了一系列企业会计准则,公司已按要求执行新的该等企业会计准则,
        并评估相关准则对公司第三季度报告的影响如下:
               (1)《企业会计准则第 2 号——长期股权投资》(修订):公司已根据该准则的定义要求,将“对被投
        资单位不具有实施控制、共同控制或重大影响的权益性投资,以及对其合营企业的权益性投资以外的股权
        投资”纳入可供出售金融资产核算,并进行追溯调整。该变更对所有者权益、净利润无影响,对公司及合
        并会计报表影响如下:
                                                                                                                           单位:(人民币)千元
                                2013 年 12 月 31 日                            2012 年 12 月 31 日                          2011 年 12 月 31 日
                                                                                                     影响金                                       影响金
       项目           调整后          调整前          影响金额      调整后            调整前           额          调整后           调整前          额合并
    长期股权投资             0            13,250          (13,250)         0              13,250         (13,250)        0              13,250        (13,250)
    可供出售金融资产    90,368,707      90,355,457         13,250      57,215,151      57,201,901         13,250     26,518,205     26,504,955         13,250公司
    长期股权投资          135,000         148,250         (13,250)         0              13,250         (13,250)        0              13,250        (13,250)
    可供出售金融资产    90,358,697      90,345,447         13,250      57,215,151      57,201,901         13,250     26,518,205     26,504,955         13,250
               (2)《企业会计准则第 30 号——财务报表列报》(修订):公司已根据该准则的要求,调整财务报表
        的列报项目及比较数据。
               (3)2014 年颁布或修订的其他企业会计准则暂不适用于公司或对公司三季度报告不存在重大影响。
                                                                        宁波银行股份有限公司 2014 年第三季度报告全文
       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发生或以前期间发生但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                    -                           -                                -                    -
    首次公开发行时所作承诺                -                           -               -                -                    -
                          新加坡华侨银行有限公司、 自发行结束之日起,
                                                                              2014 年 10
    非公开发行认购对象承诺 宁波开发投资集团有限公         60 个月内不转让本次                     60 个月 严格履行。
                                                                                月8日
                          司                          认购的股份其他对公司中小股东所作
                                      -                           -               -                -                    -承诺
    承诺是否及时履行                                                         是
       四、对 2014 年度经营业绩的预计
                                                                                                             单位:(人民币)千元
    2014 年归属于上市公司股东的净利润变动幅度                                                    10%            至                  20%
    2014 年归属于上市公司股东的净利润变动区间                                         5,331,778                 至          5,816,485
    2013 年归属于上市公司股东的净利润                                                                      4,847,071
    业绩变动的原因说明                                                                         业务规模扩大、盈利能力增强
       五、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%           7,253           -        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%           7,253           -
    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
       六、其他需说明的重大事项
       (一)衍生品投资情况
                                                                     宁波银行股份有限公司 2014 年第三季度报告全文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
                                 期初合约金                                                       公司报告期末净
           合约种类                     额            期末合约金额            报告期损益情况         资产比例
           外汇远期                  12,896,593        18,199,966                 201,396             55.72%
           货币掉期              137,289,041          152,273,512                 333,399             466.22%
           利率互换              108,846,526          196,568,309                (451,601)            601.83%
           货币互换                     60,530             61,400                    34                0.19%
           期权合同                   1,690,351        3,560,147                  (81,521)            10.90%
             合计                260,783,041          370,663,334                  1,706             1134.86%
    (二)其他事项说明
    报告期内,公司北京分行于 2013 年 5 月 15 日向北京市第二中级人民法院诉请中冶纸业集团有限公司归还借款合计人民币 55000 万元以及相应利息和罚息,并要求中冶纸业集团有限公司、中冶美利纸业股份有限公司、中冶美利林业开发有限公司对上述债务承担相应的抵押担保及连带清偿责任的诉讼已于 2014年 8 月 27 日经北京市高级人民法院二审审结,本公司胜诉。根据法院判决结果,中冶纸业集团有限公司应偿还本公司北京分行借款本金合计人民币 55000 万元以及相应利息和罚息;公司北京分行对中冶纸业集团有限公司、中冶美利纸业股份有限公司、中冶美利林业开发有限公司名下的抵押物享有优先受偿权(依据北京中林资产评估有限公司 2012 年 11 月 21 日出具的资产评估报告,上述抵押物评估值为 70582.36 万元);如公司北京分行对中冶纸业集团有限公司债权数额超过人民币 60000 万元,中冶美利纸业股份有限公司和中冶美利林业开发有限公司应就超出部分的债权承担连带清偿责任。为审慎考虑,截至 2014 年三季度末,公司已就该借款计提相应的拨备合计 17500 万元。目前,相关清偿工作正在沟通进行中。
                                                   宁波银行股份有限公司 2014 年第三季度报告全文(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。七、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公司资金的情况。八、报告期内公司无重大对外担保事项
                                                                      宁波银行股份有限公司
                                                                              董事长:陆华裕
                                                                    二○一四年十月二十六日
                                                            宁波银行股份有限公司 2014 年第三季度报告全文
                                          合并资产负债表
         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                                                         2014 年 9 月 30 日      2013 年 12 月 31 日资产
    现金及存放中央银行款项                                          62,677,013              62,194,816
    存放同业款项                                                    33,698,331              38,964,591
    贵金属                                                            12,050                   33,159
    拆出资金                                                        8,267,845                 548,000
    交易性金融资产                                                  4,727,221                1,178,908
    衍生金融资产                                                    8,724,224                7,193,453
    买入返售金融资产                                                11,072,644              39,537,850
    应收利息                                                        3,074,898                2,474,309
    发放贷款和垫款                                                 196,638,182              167,302,170
    可供出售金融资产                                               126,138,513              90,368,707
    持有至到期投资                                                  15,462,451              15,949,957
    应收款项类投资                                                  60,638,341              36,083,540
    长期股权投资                                                         0                       0
    投资性房地产                                                      16,610                   16,609
    固定资产                                                        3,289,607                2,392,068
    无形资产                                                         155,548                  147,596
    递延所得税资产                                                   687,380                  867,712
    其他资产                                                        2,639,387                2,519,156
    资产总计                                                       537,920,245              467,772,601负债及所有者权益
    向中央银行借款                                                       0                    200,000
    同业及其他金融机构存放款项                                      86,200,454              89,986,906
    拆入资金                                                        20,594,417              13,015,003
    交易性金融负债                                                   523,459                     0
    衍生金融负债                                                    9,032,858                7,228,839
    卖出回购金融资产款                                              23,721,320              37,139,833
    吸收存款                                                       307,059,594              255,278,327
    应付职工薪酬                                                     939,506                 1,018,894
    应交税费                                                         656,390                  683,906
    应付利息                                                        6,054,251                4,961,449
    应付债券                                                        27,822,613              18,466,246
    递延所得税负债                                                      720                      3
    其他负债                                                        22,583,977              14,271,307
    负债合计                                                       505,189,559              442,250,713
    股本                                                            3,249,828                2,883,821
    资本公积                                                        10,599,628               7,889,125
    其他综合收益                                                     (78,778)                (726,252)
    盈余公积                                                        1,970,844                1,970,844
                                                         宁波银行股份有限公司 2014 年第三季度报告全文
    一般风险准备                                                 4,054,626               2,859,911
    未分配利润                                                   12,865,419              10,629,244
    归属于母公司股东的权益                                       32,661,567              25,506,693
    少数股东权益                                                   69,119                  15,195
    股东权益合计                                                 32,730,686              25,521,888
    负债和股东权益总计                                          537,920,245             467,772,601
    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 2014 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                                                       2014 年 9 月 30 日      2013 年 12 月 31 日资产
    现金及存放中央银行款项                                        62,676,904              62,194,789
    存放同业款项                                                  33,698,331              38,964,591
    贵金属                                                          12,050                   33,159
    拆出资金                                                      8,267,845                 548,000
    交易性金融资产                                                4,571,008                1,178,908
    衍生金融资产                                                  8,724,224                7,193,453
    买入返售金融资产                                              11,072,644              39,537,850
    应收利息                                                      3,074,898                2,474,309
    发放贷款和垫款                                               196,638,182              167,302,170
    可供出售金融资产                                             126,125,633              90,358,697
    持有至到期投资                                                15,462,451              15,949,957
    应收款项类投资                                                60,638,341              36,083,540
    长期股权投资                                                   135,000                  135,000
    投资性房地产                                                    16,610                   16,609
    固定资产                                                      3,284,608                2,386,833
    无形资产                                                       151,995                  143,391
    递延所得税资产                                                 687,380                  867,712
    其他资产                                                      2,615,494                2,515,800
    资产总计                                                     537,853,598              467,884,768负债及所有者权益
    向中央银行借款                                                     0                    200,000
    同业及其他金融机构存放款项                                    86,219,611              90,118,743
    拆入资金                                                      20,594,417              13,015,003
    交易性金融负债                                                 523,459                     0
    衍生金融负债                                                  9,032,858                7,228,839
    卖出回购金融资产款                                            23,721,320              37,139,833
    吸收存款                                                     307,059,575              255,278,232
    应付职工薪酬                                                   937,834                 1,018,533
    应交税费                                                       653,486                  682,878
    应付利息                                                      6,054,251                4,961,684
    应付债券                                                      27,822,613              18,466,246
    其他负债                                                      22,581,143              14,269,742
    负债合计                                                     505,200,567              442,379,733
    股本                                                          3,249,828                2,883,821
    资本公积                                                      10,599,628               7,889,125
    其他综合收益                                                   (78,978)                (726,261)
    盈余公积                                                      1,970,844                1,970,844
    一般风险准备                                                  4,054,626                2,859,911
                                                        宁波银行股份有限公司 2014 年第三季度报告全文
    未分配利润                                                  12,857,083              10,627,595
    股东权益合计                                                32,653,031              25,505,035
    负债和股东权益总计                                         537,853,598             467,884,768
    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 2014 年第三季度报告全文
                                               合并利润表
        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                       2014 年 7-9 月   2013 年 7-9 月   2014 年 1-9 月   2013 年 1-9 月
    一、营业收入                                     3,792,043        3,153,425        11,086,335       9,277,091
    利息净收入                                   3,492,761        2,853,344        9,845,481        8,279,897
       利息收入                                  6,938,555        5,677,834        20,931,606       17,375,000
       利息支出                                 (3,445,794)      (2,824,490)      (11,086,125)     (9,095,103)
    手续费及佣金净收入                             589,452          435,811        1,821,958        1,226,064
       手续费及佣金收入                            643,690          483,152        1,969,855        1,352,280
       手续费及佣金支出                           (54,238)         (47,341)        (147,897)        (126,216)
    投资收益(损失以“-”填列)                      43,553           87,820           135,210        (482,374)
    公允价值变动收益(损失以“-”填列)            (565,217)          26,279         (163,478)          88,757
    汇兑收益(损失以“-”填列)                      222,965        (262,050)        (580,608)         138,938
    其他业务收入                                    8,529           12,221           27,772           25,809
    二、营业支出及损失                              (1,915,431)      (1,459,872)      (5,352,198)      (4,296,414)
       营业税费                                  (224,582)        (168,904)        (638,166)        (592,599)
       业务及管理费                             (1,149,458)      (1,071,881)      (3,456,509)      (2,954,559)
       资产减值损失                              (540,056)        (218,967)       (1,240,309)       (749,113)
       其他业务成本                                (1,335)           (120)          (17,214)           (143)
    三、营业利润                                     1,876,612        1,693,553        5,734,137        4,980,677
       加:营业外收入                               3,050            1,813            7,952           13,369
       减:营业外支出                             (11,991)         (13,420)         (29,954)         (32,158)
    四、以前年度损益调整                                  0                0                0                0
    五、利润总额                                     1,867,671        1,681,946        5,712,135        4,961,888
       减:所得税                                (367,397)        (345,624)       (1,125,751)      (1,018,058)
    六、净利润                                       1,500,274        1,336,322        4,586,384        3,943,830
    其中:归属于母公司股东的净利润                   1,498,340        1,336,322        4,584,419        3,943,830
               少数股东损益                         1,934              0              1,965              0七、每股收益:
    (一)基本每股收益                               0.52             0.46             1.59             1.37
    (二)稀释每股收益                               0.52             0.46             1.59             1.37
    八、其他综合收益的税后净额                         36,617         (258,714)          649,433        (314,825)
    以后将重分类进损益的其他综合收益                  36,617         (258,714)          649,433        (314,825)(1)权益法下在被投资单位以后将重分类进损
    益的其他综合收益中享有的份额                         448               0               531               0
    (2)可供出售金融资产公允价值变动损益             36,169         (258,714)          648,902        (314,825)
    九、综合收益总额                                 1,536,891        1,077,608        5,235,817        3,629,005
    其中:归属于母公司所有者的综合收益总额       1,534,510        1,077,608        5,233,321        3,629,005
          归属于少数股东的综合收益总额              2,381              0              2,496              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 2014 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                     2014 年 7-9 月   2013 年 7-9 月   2014 年 1-9 月   2013 年 1-9 月
    一、营业收入                                    3,770,579        3,153,425         11,049,597       9,277,091
    利息净收入                                  3,492,711        2,853,344         9,843,891        8,279,897
       利息收入                                 6,938,505        5,677,834         20,930,050       17,375,000
       利息支出                                (3,445,794)      (2,824,490)      (11,086,159)      (9,095,103)
    手续费及佣金净收入                            577,449          435,811         1,799,841        1,226,064
       手续费及佣金收入                           631,687          483,152         1,947,738        1,352,280
       手续费及佣金支出                          (54,238)         (47,341)         (147,897)        (126,216)
    公允价值变动收益(损失以“-”填列)             42,655           87,820           133,467         (482,374)
    投资收益(损失以“-”填列)                   (573,829)          26,279          (174,582)          88,757
    汇兑收益(损失以“-”填列)                     223,064        (262,050)         (580,792)         138,938
    其他业务收入                                   8,529           12,221            27,772           25,809
    二、营业支出及损失                             (1,904,095)      (1,459,872)      (5,326,971)       (4,296,414)
       营业税费                                 (223,573)        (168,904)         (636,347)        (592,599)
       业务及管理费                            (1,139,130)      (1,071,881)      (3,433,100)       (2,954,559)
       资产减值损失                             (540,056)        (218,967)       (1,240,309)        (749,113)
       其他业务成本                               (1,336)           (120)           (17,215)          (143)
    三、营业利润                                    1,866,484        1,693,553         5,722,626        4,980,677
       加:营业外收入                              3,050            1,813            7,952            13,369
       减:营业外支出                            (11,991)         (13,420)         (29,954)          (32,158)
    四、以前年度损益调整                                 0                0                0                0
    五、利润总额                                    1,857,543        1,681,946         5,700,624        4,961,888
       减:所得税                               (365,438)        (345,624)       (1,122,892)       (1,018,058)
    六、净利润                                      1,492,105        1,336,322         4,577,732        3,943,830
    七、其他综合收益的税后净额                        35,306         (258,714)          647,283         (314,825)
    以后将重分类进损益的其他综合收益                 35,306         (258,714)          647,283         (314,825)(1)权益法下在被投资单位以后将重分类进损
    益的其他综合收益中享有的份额                         0                0                0                0
    (2)可供出售金融资产公允价值变动损益            35,306         (258,714)          647,283         (314,825)
    八、综合收益总额                                1,527,411        1,077,608         5,225,015        3,629,005
      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 2014 年第三季度报告全文
                                              合并现金流量表
       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                            2014 年 1-9 月             2013 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                                 47,884,035                 62,315,247
    存放中央银行和同业款项净减少额                                  9,515,503                      0
    向其他金融机构拆入资金净增加额                                 19,845,175                  1,420,255
    收取利息、手续费及佣金的现金                                   14,751,501                 13,485,641
    收到其他与经营活动有关的现金                                    8,298,682                  9,834,487
    经营活动现金流入小计                                       100,294,896                87,055,630
    客户贷款及垫款净增加额                                         29,761,683                 18,446,341
    存放中央银行和同业款项净增加额                                      0                     17,389,268
    向其他金融机构拆入资金净减少额                                      0                          0
    支付利息、手续费及佣金的现金                                   10,142,819                  8,012,913
    支付给职工及为职工支付的现金                                    1,947,147                  1,544,088
    支付的各项税费                                                  1,877,003                  1,694,268
    支付其他与经营活动有关的现金                                    2,484,596                  1,771,815
    经营活动现金流出小计                                       46,213,248                 48,858,693
    经营活动产生的现金流量净额                                 54,081,648                 38,196,937二、投资活动产生的现金流量:
    收回投资所收到的现金                                           24,335,489                 39,168,857
    取得投资收益收到的现金                                          7,528,618                  5,001,232
    收到其他与投资活动有关的现金                                      3,419                       758
    投资活动现金流入小计                                       31,867,526                 44,170,847
    投资支付的现金                                                 86,500,307                 86,650,150
    购建固定资产、无形资产和其他长期资产所支付的现金                 951,704                    669,120
    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                                       87,452,011                 87,319,270
    投资活动产生的现金流量净额                                (55,584,485)               (43,148,423)三、筹资活动产生的现金流量:
    吸收投资收到的现金                                              3,126,511                      0
    发行债券收到的现金                                             14,700,000                  7,986,500
    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                                       17,826,511                  7,986,500
    分配股利、利润或偿付利息支付的现金                              1,732,428                   923,455
    偿还债务支付的现金                                              5,000,000                      0
    筹资活动现金流出小计                                        6,732,428                   923,455
    筹资活动产生的现金流量净额                                 11,094,083                  7,063,045
    四、汇率变动对现金的影响                                        (33,597)                   (41,098)
    五、现金及现金等价物净增加额                                    9,557,649                  2,070,461
    加:期初现金及现金等价物余额                                   52,211,382                 48,306,657
    六、期末现金及现金等价物余额                                   61,769,031                 50,377,118
    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 2014 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                            2014 年 1-9 月             2013 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                                 47,882,211                 62,315,247
    存放中央银行和同业款项净减少额                                  9,515,503                      0
    向其他金融机构拆入资金净增加额                                 19,845,175                  1,420,255
    收取利息、手续费及佣金的现金                                   14,748,356                 13,485,641
    收到其他与经营活动有关的现金                                    8,441,876                  9,834,487
    经营活动现金流入小计                                       100,433,121                87,055,630
    客户贷款及垫款净增加额                                         29,761,683                 18,446,341
    存放中央银行和同业款项净增加额                                      0                     17,389,268
    向其他金融机构拆入资金净减少额                                      0                          0
    支付利息、手续费及佣金的现金                                   10,141,488                  8,012,913
    支付给职工及为职工支付的现金                                    1,935,715                  1,544,088
    支付的各项税费                                                  1,871,246                  1,694,268
    支付其他与经营活动有关的现金                                    2,479,450                  1,771,815
    经营活动现金流出小计                                       46,189,582                 48,858,693
    经营活动产生的现金流量净额                                 54,243,539                 38,196,937二、投资活动产生的现金流量:
    收回投资所收到的现金                                           24,335,489                 39,168,857
    取得投资收益收到的现金                                          7,528,618                  5,001,232
    收到其他与投资活动有关的现金                                      3,419                       758
    投资活动现金流入小计                                       31,867,526                 44,170,847
    投资支付的现金                                                 86,500,307                 86,650,150
    购建固定资产、无形资产和其他长期资产所支付的现金                 950,884                    669,120
    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                                       87,451,191                 87,319,270
    投资活动产生的现金流量净额                                (55,583,665)               (43,148,423)三、筹资活动产生的现金流量:
    吸收投资收到的现金                                              3,076,511                      0
    发行债券收到的现金                                             14,700,000                  7,986,500
    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                                       17,776,511                  7,986,500
    分配股利、利润或偿付利息支付的现金                              1,732,428                   923,455
    偿还债务支付的现金                                              5,000,000                      0
    筹资活动现金流出小计                                        6,732,428                   923,455
    筹资活动产生的现金流量净额                                 11,044,083                  7,063,045
    四、汇率变动对现金的影响                                        (33,711)                   (41,098)
    五、现金及现金等价物净增加额                                    9,670,246                  2,070,461
    加:期初现金及现金等价物余额                                   52,211,355                 48,306,657
    六、期末现金及现金等价物余额                                   61,881,601                 50,377,118
    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