新闻源 财富源

2019年09月15日 星期天

宁波银行(002142)公告正文

宁波银行:2015年第一季度报告全文

公告日期:2015-04-28

                     宁波银行股份有限公司 2015 年第一季度报告全文




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




   2015 年第一季度报告




        二〇一五年四月




              1
                                                                    宁波银行股份有限公司 2015 年第一季度报告全文




                                            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 2015 年 4 月 27 日召开了宁波银行股份有限公司第五届董事会 2015 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 2015 年第一季度报告》的议案。


       本报告所载财务数据及指标按照中国企业会计准则编制,除特别说明外,为本公司及控股子公司永赢

基金管理有限公司的合并报表数据,货币单位以人民币列示。


       公司第一季度财务报告未经会计师事务所审计。


       公司负责人陆华裕先生、行长罗孟波先生、主管会计工作负责人罗维开先生及会计机构负责人孙洪波

女士声明:保证季度报告中财务报告的真实、完整。




                                     第二节 主要财务数据及股东变化


       一、主要会计数据和财务指标


       (一)主要会计数据


       报告期内,公司未对以前期间财务数据进行追溯调整或重述。


                                                   2015 年 1-3 月         2014 年 1-3 月       比上年同期增减
营业收入(千元)                                    4,401,528               3,529,709              24.70%
归属于上市公司股东的净利润(千元)                  1,751,657               1,502,152              16.61%
归属于上市公司股东的扣除非经常性损益的净利润(千
元)                                                1,752,955               1,503,183              16.62%




                                                     2
                                                                         宁波银行股份有限公司 2015 年第一季度报告全文

经营活动产生的现金流量净额(千元)                         584,343               27,211,732                    (97.85%)
每股经营活动产生的现金流量净额(元)                           0.18                   9.44                     (98.09%)
基本每股收益(元)                                             0.54                   0.52                       3.48%
稀释每股收益(元)                                             0.54                   0.52                       3.48%
扣除非经常性损益后的基本每股收益(元)                         0.54                   0.52                       3.48%
加权平均净资产收益率                                           5.01%                  5.68%               降低 0.67 个百分点
扣除非经常性损益后的加权平均净资产收益率                       5.01%                  5.69%               降低 0.68 个百分点
全面摊薄净资产收益率                                           4.88%                  5.49%               降低 0.61 个百分点
扣除非经常性损益后的全面摊薄净资产收益率                       4.89%                  5.50%               降低 0.61 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。


                                                                                         本报告期末
         规模指标(人民币 千元)          2015 年 3 月 31 日    2014 年 12 月 31 日                           2013 年 12 月 31 日
                                                                                        比上年末增减
总资产                                      608,484,255                554,112,618            9.81%             462,188,029
                 1
客户贷款及垫款                              220,559,796                210,062,182            5.00%             171,189,666
-个人贷款及垫款                            77,647,040                  72,735,349            6.75%              53,237,185
-公司贷款及垫款                            132,976,882                127,804,398            4.05%             114,769,741
-票据贴现                                   9,935,873                  9,522,435             4.34%                 3,182,740
贷款损失准备                                 5,553,564                  5,312,304             4.54%                 3,887,496
总负债                                      572,534,628                519,948,406            10.11%            436,666,141
           1
客户存款                                    349,590,996                306,531,829            14.05%            255,278,327
 -个人存款                                  87,780,319                  74,206,208            18.29%             61,399,447
 -公司存款                                  261,810,677                232,325,621            12.69%            193,878,880
同业拆入                                    10,968,156                  14,071,981           (22.06%)            13,015,003
股本                                         3,249,829                  3,249,829             0.00%                 2,883,821
股东权益                                    35,949,627                  34,164,212            5.23%              25,521,888
其中:归属于母公司股东的权益                35,868,070                  34,091,097            5.21%              25,506,693
归属于上市公司股东的每股净资产(元/股)        11.04                         10.49            5.21%                   8.84

    注:1、客户贷款及垫款、客户存款数据根据中国银监会监管口径计算。

    2、根据《中国人民银行关于调整金融机构存贷款统计口径的通知》(银发[2015]14 号),从 2015 年开始,非存款类金
融机构存放在存款类金融机构的款项纳入“各项存款”统计口径,存款类金融机构拆放给非存款类金融机构的款项纳入“各
项贷款”统计口径。按央行新的统计口径,2015 年 3 月 31 日存款总额为 3,844.14 亿元,比年初增加 467.90 亿元,增幅为
13.86%;贷款总额为 2,243.06 亿元,比年初增加 116.44 亿元,增幅为 5.48%。


       (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                                                     2015 年 1-3 月金额
1、非流动性资产处置损益                                                                                         3
2、计入当期损益的政府补助                                                                                       0




                                                          3
                                                                 宁波银行股份有限公司 2015 年第一季度报告全文


3、采用公允价值模式进行后续计量的投资性房地产公允价值变动产生的损益                                   0
4、除上述各项之外的其他营业外收入和支出                                                        (1,733)
合计对利润总额的影响                                                                           (1,730)
所得税影响额                                                                                       432
                                          合计                                                 (1,298)
    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。


    (三)补充财务指标

                                                   监管       2015 年      2014 年       2013 年           2012 年
                    监管指标                       标准      3 月 31 日   12 月 31 日   12 月 31 日       12 月 31 日
                               资本充足率(%)      ≥10.5       11.98        12.35         12.06             不适用
根据《商业银行资本管理       一级资本充足率(%)    ≥8.5         9.90        10.02          9.35             不适用
   办法(试行)》           核心一级资本充足率
                                    (%)           ≥7.5         9.90        10.02          9.35             不适用
根据《商业银行资本充足         资本充足率(%)        ≥8        12.96        13.31         13.88             15.65
率管理办法》                 核心资本充足率(%)      ≥4        10.16        10.32         10.16             11.49
流动性比率(本外币)(%)                              ≥25        57.89        54.61         42.68             41.99
流动性覆盖率(%)                                    ≥60        122.73       101.48        不适用            不适用
                               拆入资金比例         ≤8         0.74         1.32          1.54              4.66
拆借资金比例(人民币)(%)
                               拆出资金比例         ≤8         1.17         0.89          0.22              3.30
存贷款比例(本外币)(%)                               ≤75        59.23       64.12         61.97             67.74
不良贷款比率(%)                                      ≤5        0.89         0.89          0.89              0.76
拨备覆盖率(%)                                       ≥150      284.34       285.17        254.88            275.39
贷款拨备率(%)                                                   2.52         2.53          2.27              2.09
单一最大客户贷款比例(%)                            ≤10         2.49         2.56          3.08              2.44
最大十家单一客户贷款比例(%)                        ≤50        12.85        12.70         15.54             16.10
单一最大集团客户授信比例(%)                        ≤15         5.19         4.40          6.73              3.99
                          正常类贷款迁徙率                      0.83         4.50          2.92              2.67
正常贷款迁徙率(%)
                          关注类贷款迁徙率                     17.76        42.56         38.49             14.81
                          次级类贷款迁徙率                     44.18        54.99         64.07             76.75
不良贷款迁徙率(%)
                          可疑类贷款迁徙率                      7.71        49.65         31.15             38.95
总资产收益率(%)(年化)                                         1.21         1.11          1.16              1.29
利息收回率(%)                                                  99.25        96.19         96.06             98.53
成本收入比(%)                                                  29.99        32.07         34.86             34.13
资产负债率(%)                                                  94.09        93.83         94.48             94.02
净利差(%)                                                       2.43         2.50          2.46              2.76
净息差(%)                                                       2.44         2.51          2.51              2.83
    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》有关规定计算
和披露资本充足率,数据为母公司口径;其他补充财务指标数据为并表口径。
    2、上表中流动性比率、流动性覆盖率、存贷款比率、不良贷款比率、拨备覆盖率、贷款拨备率、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中国银监会监管口径计算。



                                                      4
                                                                                宁波银行股份有限公司 2015 年第一季度报告全文

    3、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。


     (四)资本充足率与杠杆率情况分析

     资本充足率
                                                                                                                    单位:(人民币)千元
                                                                    2015 年                                    2014 年
                        项    目
                                                                   3 月 31 日                                12 月 31 日
 1、核心一级资本净额                                              35,549,424                                  33,779,441
 2、一级资本净额                                                  35,549,424                                  33,779,441
 3、总资本净额                                                    42,999,815                                  41,628,915
 4.风险加权资产合计                                               358,941,914                                337,046,637
 5.核心一级资本充足率                                                  9.90%                                   10.02%
 6.一级资本充足率                                                      9.90%                                   10.02%
 7.资本充足率                                                       11.98%                                     12.35%
    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,数据为母公司口径。


     杠杆率
                                                                                                                    单位:(人民币)千元
                项 目                    2015 年 3 月 31 日     2014 年 12 月 31 日          2014 年 9 月 30 日       2014 年 6 月 30 日
杠杆率                                         5.01%                    5.26%                      4.98%                     4.61%
核心一级资本净额                            35,549,424                 33,757,626               32,365,124               28,979,742
调整后表内外资产余额                        710,116,862             642,147,262                649,311,719               628,888,662
     注: 根据《商业银行杠杆率管理办法(修订)》(中国银监会令 2015 年第 1 号)列示 2015 年 3 月 31 日数据及 2014
年 12 月 31 日的对比数;2014 年 9 月 30 日及 2014 年 6 月 30 日数据按照原杠杆率管理办法的口径列示,数据为母公司口径。


     (五)贷款五级分类情况

                                                                                                                    单位:(人民币)千元
                                   2015 年 3 月 31 日              2014 年 12 月 31 日                            期间变动
    五级分类             贷款和垫款                           贷款和垫款                                                     占比(百分
                                                 占比                               占比                数额增减
                               金额                              金额                                                           点)
非不良贷款小计:         218,606,623            99.11%        208,199,352           99.11%            10,407,271                0.00
         正常            214,740,671            97.36%        204,479,949           97.34%            10,260,722                0.02
         关注                3,865,952           1.75%        3,719,403             1.77%               146,549                (0.02)
 不良贷款小计:              1,953,173           0.89%        1,862,830             0.89%                  90,343              (0.00)
         次级                 689,439            0.31%          543,229             0.26%               146,210                 0.05
         可疑                 932,089            0.42%          881,732             0.42%                  50,357               0.00
         损失                 331,645            0.15%          437,869             0.21%              (106,224)               (0.06)
  客户贷款合计           220,559,796            100.00%       210,062,182       100.00%               10,497,613                0.00



     (六)贷款损失准备计提和核销的情况



                                                                   5
                                                                       宁波银行股份有限公司 2015 年第一季度报告全文


                                                                                                         单位:(人民币)千元
                           项目                                     2015 年 3 月 31 日              2014 年 12 月 31 日
期初余额                                                               5,312,305                          3,887,496
本期计提                                                                647,014                           2,420,150
本期收回                                                                 54,363                             29,110
其中:收回原转销贷款及垫款导致的转回                                     54,363                             29,110
本期核销                                                               (460,118)                          (983,145)
已减值贷款利息回拨                                                          0                              (41,307)
期末余额                                                               5,553,564                          5,312,304


    二、报告期末股东总数及前十名股东持股情况表
                                                                                                                       单位:股
      报告期末股东总数(户)                                                127,720
                                              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          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   355,217,231           0
宁波市电力开发公司                        国有法人          6.82    221,503,488           0              质押     162,000,000
华茂集团股份有限公司                   境内非国有法人       5.85    190,000,000           0              质押     119,000,000
宁波杉杉股份有限公司                   境内非国有法人       4.35    141,507,203           0
宁波富邦控股集团有限公司               境内非国有法人       4.13    134,270,000           0              质押     100,340,000
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 名无限售条件股东持股情况
                                       期末持有无限售条件股份数                               股份种类
             股东名称
                                                  量                        股份种类                            数量
新加坡华侨银行有限公司                       396,320,529                  人民币普通股                     396,320,529
雅戈尔集团股份有限公司                       355,217,231                  人民币普通股                     355,217,231
宁波开发投资集团有限公司                     270,000,000                  人民币普通股                     270,000,000
宁波市电力开发公司                           221,503,488                  人民币普通股                     221,503,488
华茂集团股份有限公司                         190,000,000                  人民币普通股                     190,000,000
宁波杉杉股份有限公司                         141,507,203                  人民币普通股                     141,507,203
宁波富邦控股集团有限公司                     134,270,000                  人民币普通股                     134,270,000
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
                                       宁波市电力开发公司为宁波开发投资集团有限公司下属全资子公司;宁波开发投资
上述股东关联关系或一致行动的说明       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外机构投资者。



                                                        6
                                                             宁波银行股份有限公司 2015 年第一季度报告全文


    报告期内,公司前10名股东、前10名无限售条件股东未进行约定购回交易。


    三、公司经营情况分析

    2015年开年,公司在董事会的领导下,继续发扬“苦干三年”精神,进一步推进“拓展盈利渠道、严

控不良资产、升级营销模式、加快人才培养”四项重点工作,不断提升工作方法,合理把握风险管理与业

务发展的动态平衡,持续积累比较优势,经营业绩稳步增长。

    截至2015年一季度末,公司总资产6,084.84亿元,比年初增加543.72亿元,增幅为9.81%;各项存款

3,495.91亿元,比年初增加430.59亿元,增幅为14.05%;各项贷款2,205.60亿元,比年初增加104.98亿元,

增幅为5.00%。

    2015年一季度公司各项业务继续保持平稳较快发展,业绩比同期有较大增长。公司2015年1-3月实现

营业收入44.02亿元,同比增加8.72亿元,增幅为24.70%;营业利润21.76亿元,同比增加3.03亿元,增幅为

16.21%;归属于母公司股东的净利润17.52亿元,同比增加2.50亿元,增幅为16.61%;加权平均净资产收益

率5.01%,同比下降0.67个百分点;基本每股收益0.54元,同比提高0.02元。

    截至2015年一季度末,公司不良贷款率0.89%,与年初持平;拨备覆盖率284.34%,资产质量保持在较

好水平。

    截至2015年一季度末,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11.98%,

核心一级资本充足率和一级资本充足率均为9.90%。




                                          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

                                                                                      单位:(人民币)千元
       项 目          2015 年 1-3 月   2014 年 1-3 月   比上年同期增减              主要原因
   手续费及佣金收入      900,333           684,159           31.60%              中间业务快速增长
   手续费及佣金支出       83,045           41,912            98.14%           金融市场交易服务费增加
      投资收益           121,349           47,904           153.31%             贵金属业务收益增加
  公允价值变动收益      (391,378)          670,680         (158.36%)       交易性债券和外汇掉期汇率波动
      汇兑收益           116,906         (981,577)        上年同期为负             外汇汇率波动
    资产减值损失         646,982           340,356           90.09%       贷款规模增加、损失准备计提增加
                                                                                      单位:(人民币)千元



                                                     7
                                                                             宁波银行股份有限公司 2015 年第一季度报告全文

           项目          2015 年 3 月 31 日   2014 年 12 月 31 日       比年初增减                       主要原因
         拆出资金           3,814,828             2,866,596                  33.08%                拆放非银行同业借款增加
  买入返售金融资产         37,388,978            17,079,001                 118.92%                   买入返售票据增加
       衍生金融负债         1,895,228             1,303,488                  45.40%                 衍生金融负债估值变动
       应付职工薪酬          510,426              1,098,768                 (53.55%)                     发放年终奖
         应交税费           1,165,979              795,134                   46.64%                  应交企业所得税增加



       二、重大事项进展情况及其影响和解决方案的分析说明


       报告期内,除已披露外,公司没有其他重大事项。


       三、公司或持股 5%以上股东在报告期内或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                      -                           -                                    -                -
                          新加坡华侨银行有限公司、      自发行结束之日起, 2014年10月8日              60 个月         严格履行
非公开发行认购对象承诺 宁波开发投资集团有限公司         60 个月内不转让本
                                                        次认购的股份
其他对公司中小股东所作                公司             将采取多项措施保证 2014年7月16日                 长期          严格履行
承诺                                                   募集资金有效使用,
                                                       有效防范即期回报被
                                                       摊薄的风险,并提高
                                                       未来的回报能力
承诺是否及时履行                                                             是



       四、对 2015 年 1-6 月经营业绩的预计

                                                                                                             单位:(人民币)千元
2015 年 1-6 月归属于上市公司股东的净利润比上年同期变动幅度为:                              10%           至                  20%

2015 年 1-6 月归属于上市公司股东的净利润区间:                                         3,394,687          至          3,703,295
2014 年 1-6 月归属于上市公司股东的净利润:                                                           3,086,079
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


       报告期内,公司无证券投资。




                                                             8
                                                                    宁波银行股份有限公司 2015 年第一季度报告全文


    六、持有其他上市公司股权情况的说明


    报告期末,公司未持有其他上市公司股权。


    七、其他需说明的重大事项


    (一)衍生品投资情况

报告期衍生品持仓的风险分析及控制措施说明 公司在叙做新类型衍生品之前,通过新产品委员会对各类型风险进行充分

(包括但不限于市场风险、流动性风险、信用风 的识别、分析和评估,采用久期、限额管控、风险价值、压力测试、授信

险、操作风险、法律风险等)                   额度管理等方法对衍生品进行风险计量和控制。

已投资衍生品报告期内市场价格或产品公允价值 报告期内公司已投资衍生品市场价格或公允价值随市场交易参数变化而波

变动的情况,对衍生品公允价值的分析应披露具 动,衍生品估值参数按具体产品设定,与行业惯例相一致,公允价值计量

体使用的方法及相关假设与参数的设定           采用中后台估值系统提供的模型方法进行估值。

报告期公司衍生品的会计政策及会计核算具体原
                                             无
则与上一报告期相比是否发生重大变化的说明

                                             公司独立董事理解,衍生品交易业务是公司经中国人民银行、中国银行业
独立董事对公司衍生品投资及风险控制情况的专
                                             监督管理委员会批准的常规银行业务之一。报告期内,公司重视该项业务
项意见
                                             的风险管理,对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
          合约种类             期初合约金额          期末合约金额           报告期损益情况      公司报告期末净
                                                                                                   资产比例
          外汇远期               15,740,563           12,405,186                (60,097)            34.59%
          货币掉期              165,780,139           236,224,675              (399,071)            658.59%
          利率互换              230,561,606           338,998,989                9,515              945.13%
          货币互换                    147,036              87,855                1,308               0.24%
          期权合同                   2,344,628         4,899,119                 1,875              13.66%
            合计                414,573,972           592,615,824              (446,469)           1652.21%



    (二)其他事项说明


    1、报告期内,北京市高级人民法院判决中冶纸业集团有限公司对公司北京分行债务的相关清偿工作

正在进行中。为审慎考虑,截至 2015 年一季度末,公司已就该债权计提相应的拨备、减值准备合计 2.75

亿元。




                                                       9
                                                        宁波银行股份有限公司 2015 年第一季度报告全文


    2、报告期内,公司深圳分行为深圳市黄浦盛世实业有限公司、深圳市伊卡珠宝首饰有限公司、深圳

市远东盛世实业有限公司和深圳德信诚泰实业有限公司等四家关联公司办理以存单、理财产品为全额质

押、风险敞口为零的银行承兑汇票业务,目前尚未到期,共计金额 21.04 亿元。但由于上述四家关联公司

的实际控制人暂时无法联系,为确保公司正当权益不受影响,公司于 2015 年 4 月 17 日向广东省深圳市中

级人民法院申请诉前财产保全,4 月 24 日向广东省深圳市中级人民法院提起诉讼,以保证公司债权不受损

失。


    (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。


    八、重大对外担保事项

       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○一五年四月二十七日




                                              10
                                                                宁波银行股份有限公司 2015 年第一季度报告全文


                                            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                                                           2015 年 3 月 31 日         2014 年 12 月 31 日
资产
现金及存放中央银行款项                                            67,096,990                  70,953,938
存放同业款项                                                      34,944,359                  30,447,600
贵金属                                                              165,697                       0
拆出资金                                                           3,814,828                  2,866,596
以公允价值计量且其变动计入当期损益的金融资产                      10,011,458                  8,878,979
衍生金融资产                                                       1,595,545                  1,293,140
买入返售金融资产                                                  37,388,978                  17,079,001
应收利息                                                           3,055,508                  3,015,047
发放贷款和垫款                                                    215,006,232                204,749,878
可供出售金融资产                                                  119,954,819                120,109,026
持有至到期投资                                                    19,469,792                  16,569,101
应收款项类投资                                                    86,121,590                  71,554,844
投资性房地产                                                        16,596                      16,596
固定资产                                                           3,383,552                  3,352,019
无形资产                                                            190,895                    208,642
递延所得税资产                                                      898,986                    769,245
其他资产                                                           5,368,430                  2,248,966
资产总计                                                          608,484,255                554,112,618
负债及所有者权益
向中央银行借款                                                         0                          0
同业及其他金融机构存放款项                                        81,858,068                  86,634,335
拆入资金                                                          10,968,156                  14,071,981
以公允价值计量且其变动计入当期损益的金融负债                       2,965,077                  1,272,100
衍生金融负债                                                       1,895,228                  1,303,488
卖出回购金融资产款                                                28,872,893                  28,155,132
吸收存款                                                          349,590,996                306,531,829
应付职工薪酬                                                        510,426                   1,098,768
应交税费                                                           1,165,979                   795,134
应付利息                                                           5,856,564                  5,587,627
应付债券                                                          64,330,316                  50,655,391
递延所得税负债                                                      11,343                      3,871
其他负债                                                          24,509,582                  23,838,750
负债合计                                                          572,534,628                519,948,406
股本                                                               3,249,829                  3,249,829
资本公积                                                          10,598,362                  10,598,201
其他综合收益                                                        334,286                    309,130
盈余公积                                                           2,531,957                  2,531,957
一般风险准备                                                       4,054,756                  4,054,719
未分配利润                                                        15,098,880                  13,347,261
归属于母公司股东的权益                                            35,868,070                  34,091,097
少数股东权益                                                        81,557                      73,115
股东权益合计                                                      35,949,627                  34,164,212
负债和股东权益总计                                                608,484,255                554,112,618


   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


                                                    11
                                                                 宁波银行股份有限公司 2015 年第一季度报告全文


                                               资产负债表
         编制单位:宁波银行股份有限公司         (未经审计)                         金额单位:人民币千元
项目                                                            2015 年 3 月 31 日         2014 年 12 月 31 日
资产
现金及存放中央银行款项                                             67,096,897                  70,866,846
存放同业款项                                                       34,944,359                  30,447,600
贵金属                                                               165,697                       0
拆出资金                                                            3,814,828                  2,866,596
以公允价值计量且其变动计入当期损益的金融资产                        9,823,303                  8,433,216
衍生金融资产                                                        1,595,545                  1,293,140
买入返售金融资产                                                   37,388,978                  17,009,000
应收利息                                                            3,055,508                  3,006,475
发放贷款和垫款                                                     215,006,232                204,749,878
可供出售金融资产                                                   119,947,836                120,109,026
持有至到期投资                                                     19,469,792                  16,569,101
应收款项类投资                                                     86,121,590                  71,554,844
长期股权投资                                                         135,000                    135,000
投资性房地产                                                         16,596                      16,596
固定资产                                                            3,378,487                  3,346,879
无形资产                                                             187,718                    205,245
递延所得税资产                                                       898,301                    769,245
其他资产                                                            5,322,724                  2,210,260
资产总计                                                           608,369,391                553,588,947
负债及所有者权益
向中央银行借款                                                          0                          0
同业及其他金融机构存放款项                                         81,875,765                  86,652,009
拆入资金                                                           10,968,156                  14,071,981
以公允价值计量且其变动计入当期损益的金融负债                        2,965,077                   911,324
衍生金融负债                                                        1,895,228                  1,303,488
卖出回购金融资产款                                                 28,872,893                  28,084,562
吸收存款                                                           349,591,079                306,531,703
应付职工薪酬                                                         509,098                   1,094,476
应交税费                                                            1,163,084                   792,742
应付利息                                                            5,856,564                  5,587,609
应付债券                                                           64,330,316                  50,655,391
其他负债                                                           24,508,533                  23,829,292
负债合计                                                           572,535,793                519,514,577
股本                                                                3,249,829                  3,249,829
资本公积                                                           10,599,628                  10,599,629
其他综合收益                                                         334,286                    308,960
盈余公积                                                            2,531,957                  2,531,957
一般风险准备                                                        4,054,626                  4,054,626
未分配利润                                                         15,063,272                  13,329,369
股东权益合计                                                       35,833,598                  34,074,370
负债和股东权益总计                                                 608,369,391                553,588,947




   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



                                                     12
                                                                宁波银行股份有限公司 2015 年第一季度报告全文


                                              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                                 2015 年 1-3 月           2014 年 1-3 月
一、营业收入                                                           4,401,527                3,529,709
    利息净收入                                                         3,730,342                3,141,794
       利息收入                                                        7,621,319                6,757,313
       利息支出                                                       (3,890,977)              (3,615,519)
    手续费及佣金净收入                                                  817,288                  642,247
       手续费及佣金收入                                                 900,333                  684,159
       手续费及佣金支出                                                (83,045)                  (41,912)
    投资收益(损失以“-”填列)                                           121,349                   47,904
    公允价值变动收益(损失以“-”填列)                                  (391,378)                 670,680
    汇兑收益(损失以“-”填列)                                           116,906                 (981,577)
    其他业务收入                                                         7,020                    8,661
二、营业支出及损失                                                    (2,225,927)              (1,657,532)
       营业税费                                                        (258,136)                (202,949)
       业务及管理费                                                   (1,320,069)              (1,114,197)
       资产减值损失                                                    (646,982)                (340,356)
       其他业务成本                                                      (740)                     (30)
三、营业利润                                                           2,175,600                1,872,177
       加:营业外收入                                                    1,250                    1,074
       减:营业外支出                                                   (2,980)                  (2,449)
五、利润总额                                                           2,173,870                1,870,802
       减:所得税                                                      (413,767)                (369,004)
六、净利润                                                             1,760,103                1,501,798
其中:归属于母公司股东的净利润                                         1,751,657                1,502,152
                少数股东损益                                             8,446                    (354)
六、其他综合收益的税后净额                                              25,153                   334,063
归属于母公司股东的其他综合收益的税后净额                                25,157                   334,041
以后将重分类进损益的其他综合收益                                        25,157                   334,041
可供出售金融资产公允价值变动                                            25,157                   334,041
归属于少数股东的其他综合收益的税后净额                                    (4)                       22
九、综合收益总额                                                       1,785,256                1,835,861
    其中:归属于母公司所有者的综合收益总额                             1,776,814                1,836,193
             归属于少数股东的综合收益总额                                8,442                    (332)
七、每股收益:
   (一)基本每股收益                                                    0.54                      0.52
   (二)稀释每股收益                                                    0.54                      0.52


   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




                                                    13
                                                               宁波银行股份有限公司 2015 年第一季度报告全文


                                               利润表
       编制单位:宁波银行股份有限公司          (未经审计)                       金额单位:人民币千元
                                项目                                2015 年 1-3 月          2014 年 1-3 月
一、营业收入                                                          4,358,119               3,527,721
    利息净收入                                                        3,730,306               3,140,468
       利息收入                                                       7,621,283               6,757,313
       利息支出                                                      (3,890,977)             (3,616,845)
    手续费及佣金净收入                                                 803,770                 641,818
       手续费及佣金收入                                                886,815                 683,730
       手续费及佣金支出                                               (83,045)                 (41,912)
    投资收益(损失以“-”填列)                                          119,022                  47,752
    公允价值变动收益(损失以“-”填列)                                 (418,543)                670,680
    汇兑收益(损失以“-”填列)                                          116,664                (981,657)
    其他业务收入                                                        6,900                   8,660
二、营业支出及损失                                                   (2,216,826)             (1,651,988)
       营业税费                                                       (257,174)               (202,915)
       业务及管理费                                                  (1,311,930)             (1,108,688)
       资产减值损失                                                   (646,982)               (340,356)
       其他业务成本                                                     (740)                    (29)
三、营业利润                                                          2,141,293               1,875,733
       加:营业外收入                                                   1,250                   1,074
       减:营业外支出                                                  (2,980)                 (2,449)
四、利润总额                                                          2,139,563               1,874,358
       减:所得税                                                     (405,656)               (369,005)
五、净利润                                                            1,733,907               1,505,353
六、其他综合收益                                                       25,321                  333,874
    以后将重分类进损益的其他综合收益                                   25,321                  333,874
     可供出售金融资产公允价值变动                                      25,321                  333,874
七、综合收益总额                                                      1,759,228               1,839,227


   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




                                                   14
                                                                宁波银行股份有限公司 2015 年第一季度报告全文


                                              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                             2015 年 1-3 月           2014 年 1-3 月
一、经营活动产生的现金流量:
客户存款和同业存放款项净增加额                                        38,283,168              47,098,212
存放中央银行和同业款项净减少额                                        1,456,537                    0
向其他金融机构拆入资金净增加额                                            0                        0
收取利息、手续费及佣金的现金                                          4,975,599                4,923,682
收到其他与经营活动有关的现金                                          5,829,522                1,058,587
    经营活动现金流入小计                                              50,544,826              53,080,481
客户贷款及垫款净增加额                                                10,497,613              13,053,724
存放中央银行和同业款项净增加额                                            0                     789,916
向其他金融机构拆入资金净减少额                                        26,304,860               3,511,402
支付利息、手续费及佣金的现金                                          3,705,067                2,910,568
支付给职工及为职工支付的现金                                          1,335,535                1,066,651
支付的各项税费                                                         446,690                  383,469
支付其他与经营活动有关的现金                                          7,670,718                4,153,019
    经营活动现金流出小计                                              49,960,483              25,868,749
    经营活动产生的现金流量净额                                         584,343                27,211,732
二、投资活动产生的现金流量:
收回投资所收到的现金                                                  67,904,933              41,777,624
取得投资收益收到的现金                                                3,483,467                2,248,433
收到其他与投资活动有关的现金                                            (156)                     107
    投资活动现金流入小计                                              71,388,244              44,026,164
投资支付的现金                                                        86,622,983              86,531,455
购建固定资产、无形资产和其他长期资产所支付的现金                       134,231                  454,562
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                                              86,757,214              86,986,017
    投资活动产生的现金流量净额                                       (15,368,970)            (42,959,853)
三、筹资活动产生的现金流量:
吸收投资收到的现金                                                        0                        0
发行债券收到的现金                                                    14,010,000                   0
收到其他与筹资活动有关的现金                                              0                        0
    筹资活动现金流入小计                                              14,010,000                   0
分配股利、利润或偿付利息支付的现金                                        0                        0
支付其他与筹资活动有关的现金                                              0                        0
    筹资活动现金流出小计                                                  0                        0
    筹资活动产生的现金流量净额                                        14,010,000                   0
四、汇率变动对现金的影响                                               (1,526)                 (41,040)
五、现金及现金等价物净增加额                                          (776,153)              (15,789,161)
加:期初现金及现金等价物余额                                          45,670,017              60,659,085
六、期末现金及现金等价物余额                                          44,893,864              44,869,924


   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



                                                    15
                                                                宁波银行股份有限公司 2015 年第一季度报告全文


                                                   现金流量表
       编制单位:宁波银行股份有限公司          (未经审计)                        金额单位:人民币千元
                           项        目                             2015 年 1-3 月           2014 年 1-3 月
一、经营活动产生的现金流量:
客户存款和同业存放款项净增加额                                        38,283,132              47,097,892
存放中央银行和同业款项净减少额                                        1,456,537                    0
向其他金融机构拆入资金净增加额                                            0                        0
收取利息、手续费及佣金的现金                                          4,975,599                4,923,682
收到其他与经营活动有关的现金                                          5,808,647                1,058,507
    经营活动现金流入小计                                              50,523,915              53,080,081
客户贷款及垫款净增加额                                                10,497,613              13,053,724
存放中央银行和同业款项净增加额                                            0                     789,916
向其他金融机构拆入资金净减少额                                        26,304,860               3,511,402
支付利息、手续费及佣金的现金                                          3,705,067                2,910,568
支付给职工及为职工支付的现金                                          1,328,641                1,065,598
支付的各项税费                                                         443,075                  383,215
支付其他与经营活动有关的现金                                          7,667,503                4,152,619
    经营活动现金流出小计                                              49,946,759              25,867,042
    经营活动产生的现金流量净额                                         577,156                27,213,039
二、投资活动产生的现金流量:
收回投资所收到的现金                                                  67,894,933              41,777,624
取得投资收益收到的现金                                                3,483,467                2,248,433
收到其他与投资活动有关的现金                                            (156)                     107
    投资活动现金流入小计                                              71,378,244              44,026,164
投资支付的现金                                                        86,605,983              86,517,455
购建固定资产、无形资产和其他长期资产所支付的现金                       134,029                  454,536
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                                              86,740,012              86,971,991
    投资活动产生的现金流量净额                                       (15,361,768)            (42,945,827)
三、筹资活动产生的现金流量:
吸收投资收到的现金                                                        0                        0
发行债券收到的现金                                                    14,010,000                   0
收到其他与筹资活动有关的现金                                              0                        0
    筹资活动现金流入小计                                              14,010,000                   0
分配股利、利润或偿付利息支付的现金                                        0                        0
支付其他与筹资活动有关的现金                                              0                        0
    筹资活动现金流出小计                                                  0                        0
    筹资活动产生的现金流量净额                                        14,010,000                   0
四、汇率变动对现金的影响                                               (1,561)                 (41,098)
五、现金及现金等价物净增加额                                          (776,173)              (15,773,886)
加:期初现金及现金等价物余额                                          45,582,920              60,580,633
六、期末现金及现金等价物余额                                          44,806,747              44,806,747


   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



                                                     16