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宁波银行(002142)公告正文

宁波银行:2015年第三季度报告全文

公告日期:2015-10-30

                         宁波银行股份有限公司 2015 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)




   2015 年第三季度报告




         2015 年 10 月




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                                                                  宁波银行股份有限公司 2015 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 2015 年 10 月 28 日召开了宁波银行股份有限公司第五届董事会 2015 年第五次临时会议,以通

讯表决的方式审议通过了关于《宁波银行股份有限公司 2015 年第三季度报告》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、永赢金融租赁有限公司的合并报表数据,货币单位以人民币列示。


    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,公司不存在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。

                                           2015 年 7-9 月   比上年同期增减    2015 年 1-9 月   比上年同期增减
营业收入(千元)                            5,116,838          34.94%         14,124,299           27.40%
归属于上市公司股东的净利润(千元)          1,768,819          18.05%          5,320,519           16.06%
归属于上市公司股东的扣除非经常性损益的净
利润(千元)                                1,770,712          17.65%          5,322,887           15.69%
经营活动产生的现金流量净额(千元)               -                -           (4,907,203)        (109.07%)
每股经营活动产生的现金流量净额(元/股)          -                -              (1.26)          (109.07%)


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                                                                      宁波银行股份有限公司 2015 年第三季度报告全文

基本每股收益(元/股)                            0.48              11.63%              1.36             2.26%%
稀释每股收益(元/股)                            0.48              11.63%              1.36             2.26%%
扣除非经常性损益后的基本每股收益(元/股)        0.48              11.63%              1.36             2.26%%
加权平均净资产收益率                            4.66%         减少 0.82 个百分点      14.65%       减少 1.95 个百分点
扣除非经常性损益后的加权平均净资产收益率        4.67%         减少 0.84 个百分点      14.66%       减少 2.01 个百分点
全面摊薄净资产收益率                            4.61%         减少 0.03 个百分点      13.86%       减少 0.18 个百分点
扣除非经常性损益后的全面摊薄净资产收益率        4.61%         减少 0.01 个百分点      13.87%       减少 0.22 个百分点
    注:1、根据《公开发行证券的公司信息披露编报规则第 9 号——净资产收益率和每股收益的计算及披露》的规定,需
按调整后的股数重新计算各比较期间的每股收益。根据 2015 年 5 月 18 日股东大会批准的 2014 年度利润分配和资本公积转
增股本方案,本行以 2014 年 12 月 31 日总股本 3,249,828,401 股为基数,向股权登记日(2015 年 7 月 14 日)在册的全体股
东每 10 股以资本公积转增 2 股,实施完成后本银行总股本为 3,899,794,081 股。上表各比较期的每股收益、每股经营活动
产生的现金流量净额均按调整后的股数重新计算。
    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。


                                                                                                   单位:人民币千元
                                                                                    本报告期末比
                 规模指标                2015 年 9 月 30 日   2014 年 12 月 31 日                   2013 年 12 月 31 日
                                                                                     上年末增减
总资产                                      658,504,582          554,112,618           18.84%          462,188,029
客户贷款及垫款                              241,800,654          210,062,182           15.11%          171,189,666
-个人贷款及垫款                            82,962,031            72,735,349           14.06%          53,237,185
-公司贷款及垫款                            131,489,252          127,804,398           2.88%           114,769,741
-票据贴现                                  27,349,371            9,522,435           187.21%           3,182,740
贷款损失准备                                 6,336,398            5,312,304            19.28%           3,887,496
总负债                                      620,022,374          519,948,406           19.25%          436,666,141
客户存款                                    359,305,941          306,531,829           17.22%          255,278,327
 -个人存款                                  83,820,388            74,206,208           12.96%          61,399,447
 -公司存款                                  275,485,553          232,325,621           18.58%          193,878,880
同业拆入                                     6,926,488            14,071,981          (50.78%)         13,015,003
股本                                         3,899,794            3,249,829            20.00%           2,883,821
股东权益                                    38,482,208            34,164,212           12.64%          25,521,888
其中:归属于母公司股东的权益                38,385,621            34,091,097           12.60%          25,506,693
归属于母公司股东的每股净资产(元/股)          9.84                  8.74              12.60%              7.37
    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 9 月 30 日存款总额为 4,110.77 亿元,比年初增加 734.53 亿元,增幅为
21.76%;贷款总额为 2,433.22 亿元,比年初增加 306.60 亿元,增幅为 14.42%。
    3、2015 年三季度,本行实施 2014 年度利润分配,以资本公积金向全体股东每 10 股转增 2 股,上表各比较期的归属于
母公司股东的每股净资产按调整后的股数重新计算。


       (二)非经常性损益项目及金额

                                                                                                   单位:人民币千元


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                                                                   宁波银行股份有限公司 2015 年第三季度报告全文

                                    非经常性损益项目                                        2015 年 1-9 月金额
1、非流动性资产处置损益                                                                               128
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                                                           (3,285)
合计对利润总额的影响                                                                              (3,157)
所得税影响额                                                                                          789
                                          合计                                                    (2,368)
    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
损益项目界定为经常性损益项目的情形。


    (三)补充财务指标

                                                                                                              单位:%
                                                       监管      2015 年      2014 年       2013 年          2012 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     12.53        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      8.92         10.02          9.35           不适用
    办法(试行)》
                            核心一级资本充足率(%)      ≥7.5      8.92         10.02          9.35           不适用
流动性比率(本外币)(%)                                   ≥25      58.78        54.61         42.68            41.99
流动性覆盖率(%)                                         ≥70     151.82        101.48        不适用          不适用
存贷款比例(本外币)(%)                                   ≤75      58.81        64.12         61.97            67.74
不良贷款比率(%)                                         ≤5       0.88          0.89          0.89             0.76
拨备覆盖率(%)                                          ≥150     299.26        285.17        254.88          275.39
贷款拨备率(%)                                                     2.62          2.53          2.27             2.09
单一最大客户贷款比例(%)                                 ≤10      1.82          2.56          3.08             2.44
最大十家单一客户贷款比例(%)                             ≤50      11.39        12.70         15.54            16.10
单一最大集团客户授信比例(%)                             ≤15      4.74          4.40          6.73             3.99
                          正常类贷款迁徙率                        1.66          4.50          2.92             2.67
正常贷款迁徙率(%)         关注类贷款迁徙率                        24.01        42.56         38.49            14.81
                          次级类贷款迁徙率                        57.62        54.99         64.07            76.75
不良贷款迁徙率(%)         可疑类贷款迁徙率                        10.27        49.65         31.15            38.95
总资产收益率(%)(年化)                                           1.17          1.11          1.16             1.29
成本收入比(%)                                                     30.39        32.07         34.86            34.13
资产负债率(%)                                                     94.16        93.83         94.48            94.02
净利差(%)                                                         2.41          2.50          2.46             2.76
净息差(%)                                                         2.39          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)》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、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。
     3、根据《商业银行流动性风险管理办法(试行)》要求,商业银行的流动性覆盖率应当于 2018 年底前达到 100%;在


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                                                                               宁波银行股份有限公司 2015 年第三季度报告全文

过渡期内,应当于 2014 年底、2015 年底、2016 年底及 2017 年底前分别达到 60%、70%、80%、90%。
    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。


       (四)资本构成及杠杆率情况


       资本构成

                                                                                                                 单位:人民币千元
                                                                2015 年                                   2014 年
                    项   目
                                                               9 月 30 日                               12 月 31 日
 1、核心一级资本净额                                          37,070,975                                 33,779,441
 2、一级资本净额                                              37,070,975                                 33,779,441
 3、总资本净额                                                52,104,459                                 41,628,915
 4.风险加权资产合计                                          415,743,722                                337,046,637
 5.核心一级资本充足率                                              8.92%                                  10.02%
 6.一级资本充足率                                                  8.92%                                  10.02%
 7.资本充足率                                                   12.53%                                    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,数据口径为母公司
口径。


       杠杆率
                                                                                                                 单位:人民币千元
            项 目                  2015 年 9 月 30 日        2015 年 6 月 30 日       2015 年 3 月 31 日         2014 年 12 月 31 日
杠杆率                                     4.76%                    4.87%                     5.01%                    5.26%
核心一级资本净额                        37,070,975              37,870,121                35,549,424                33,757,626
调整后表内外资产余额                    778,436,442            777,250,264                710,116,862               642,147,262
       注:杠杠率相关指标根据《商业银行杠杆率管理办法(修订)》(中国银监会令 2015 年第 1 号)计算,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 9 月 30 日                  2014 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:          239,683,267              99.12%        208,199,352         99.11%      31,483,915                 0.01
正常                      235,685,268              97.47%        204,479,949         97.34%      31,205,319                 0.13
关注                       3,997,999                1.65%          3,719,403          1.77%           278,596              (0.12)
不良贷款小计:             2,117,387                0.88%          1,862,830          0.89%           254,557              (0.01)
次级                          728,284               0.30%           543,229           0.26%           185,055               0.04
可疑                       1,092,443                0.45%           881,732           0.42%           210,711               0.03
损失                          296,660               0.12%           437,869           0.21%       (141,209)                (0.09)
客户贷款合计              241,800,654              100.00%       210,062,182         100.00%     31,738,472                 0.00



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                                                                       宁波银行股份有限公司 2015 年第三季度报告全文


    (六)贷款损失准备计提和核销的情况

                                                                                                           单位:人民币千元
                           项目                                     2015 年 9 月 30 日              2014 年 12 月 31 日
期初余额                                                               5,312,305                          3,887,496
本期计提                                                               2,414,323                          2,420,150
本期收回                                                                110,601                             29,110
其中:收回原转销贷款及垫款导致的转回                                    110,601                             29,110
本期核销                                                              (1,500,831)                         (983,145)
已减值贷款利息回拨                                                          0                              (41,307)
期末余额                                                               6,336,398                          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
      报告期末普通股股东总数                                                114,087
                                            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% 724,639,451 249,054,816
宁波开发投资集团有限公司                  国有法人          13.18% 514,154,630 190,154,630
雅戈尔集团股份有限公司                 境内非国有法人       11.11% 433,285,121            0
宁波电力开发有限公司                      国有法人          6.82%   265,804,186           0              质押     194,400,000
华茂集团股份有限公司                   境内非国有法人       5.85%   228,000,000           0              质押     191,600,000
宁波富邦控股集团有限公司               境内非国有法人       4.13%   161,124,000           0              质押     114,000,000
宁波杉杉股份有限公司                   境内非国有法人       4.00%   155,956,535           0
新加坡华侨银行有限公司(QFII)            境外法人          1.42%    55,319,365           0
中央汇金投资有限责任公司                  国有法人          1.38%    53,707,200           0
宁兴(宁波)资产管理有限公司           境内非国有法人       1.38%    53,700,000           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                        475,584,635                 人民币普通股                     475,584,635
雅戈尔集团股份有限公司                        433,285,121                 人民币普通股                     433,285,121
宁波开发投资集团有限公司                      324,000,000                 人民币普通股                     324,000,000
宁波电力开发有限公司                          265,804,186                 人民币普通股                     265,804,186
华茂集团股份有限公司                          228,000,000                 人民币普通股                     228,000,000
宁波富邦控股集团有限公司                      161,124,000                 人民币普通股                     161,124,000
宁波杉杉股份有限公司                          155,956,535                 人民币普通股                     155,956,535
新加坡华侨银行有限公司(QFII)                55,319,365                  人民币普通股                     55,319,365
中央汇金投资有限责任公司                      53,707,200                  人民币普通股                     53,707,200
宁兴(宁波)资产管理有限公司                  53,700,000                  人民币普通股                     53,700,000
                                       宁波电力开发有限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
上述股东关联关系或一致行动的说明
                                       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


                                                        6
                                                                         宁波银行股份有限公司 2015 年第三季度报告全文

                                       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。
    注:根据宁波市国资委《关于同意吸收合并宁波电力开发有限公司的批复》(甬国资改〔2015〕49 号),宁波市国资委
同意宁波开发投资集团有限公司吸收合并其全资子公司宁波电力开发有限公司。目前相关手续尚未完成。


    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

    2015年,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、严控不良资产、升级营销

模式、加快人才培养” 四项重点工作,持续深化利润中心建设,推动客户基础不断夯实,总体保持了平

稳、健康的发展态势。

    业务规模平稳增长。截至2015年三季度末,公司总资产6,585.05亿元,比年初增加1,043.92亿元,增

幅为18.84%;各项存款3,593.06亿元,比年初增加527.74亿元,增幅为17.22%;各项贷款2,418.01亿元,

比年初增加317.38亿元,增幅为15.11%。

    盈利能力持续提升。得益于近年来的经营转型积累以及盈利模式的不断优化,公司2015年1-9月实现

营业收入141.24亿元,同比增加30.38亿元,增幅为27.40%;归属于母公司股东的净利润53.21亿元,同比增

加7.36亿元,增幅为16.06%;加权平均净资产收益率14.65%,基本每股收益1.36元。

    资产质量保持稳定。截至2015年三季度末,公司不良贷款率0.88%,比年初下降0.01个百分点;拨备

覆盖率299.26%,比年初提高14.09个百分点;拨贷比2.62%,比年初提高0.09个百分点,资产质量保持在

较好水平。

    资本管理成效显现。通过不断强化资本规划、监测分析和经济资本配置管理,公司上下资本约束理念

进一步深化,资本使用效率得到提升,资本充足状况良好。截至2015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12.53%,核心一级资本充足率和一级资本充足率均为8.92%。




                                                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 1-9 月   2014 年 1-9 月   比上年同期增减                       主要原因
手续费及佣金收入       3,218,662        1,969,855             63.40%          中间业务快速增长
手续费及佣金支出        312,915          147,897             111.58%          金融市场交易服务费增加
投资收益               (145,185)         135,210             (207.38%)        可供出售债券交易损失及贵金属业务损失


                                                         7
                                                                             宁波银行股份有限公司 2015 年第三季度报告全文

公允价值变动收益          225,263            (163,478)        上年同期为负           交易性债券和衍生工具公允价值收益
资产减值损失             2,414,323           1,240,309            94.65%             贷款规模增加、拨备计提增加


                                                                                                                 单位:人民币千元
           项目          2015 年 9 月 30 日    2014 年 12 月 31 日       比年初增减                        主要原因
存放同业款项                17,601,614            30,447,600              (42.19%)          存放同业存款减少
衍生金融资产                   2,663,697           1,293,140               105.99%          衍生金融资产估值变动
买入返售金融资产               7,600,043          17,079,001              (55.50%)          买入返售债券减少
可供出售金融资产           196,886,016            120,109,026              63.92%           可供出售类理财产品增加
持有至到期投资              30,464,854            16,569,101               83.87%           持有至到期债券增加
拆入资金                       6,926,488          14,071,981              (50.78%)          同业拆入资金减少
衍生金融负债                   2,515,179           1,303,488               92.96%           衍生金融负债估值变动
应付债券                   128,204,796            50,655,391               153.09%          发行金融债和同业存单增加
其他综合收益                   745,558              309,130                141.18%          可供出售金融资产投资重估储备增加



       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                        60 个月          严格履行。
                                                                                     月8日
                          司                              本次认购的股份
                          公司                           将采取多项措施保证         2014 年 7     长期             严格履行
                                                         募集资金有效使用,          月 16 日
其他对公司中小股东所作
                                                         有效防范即期回报被
承诺
                                                         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 年度经营业绩的预计

                                                                                                                 单位:人民币千元
2015 年归属于上市公司股东的净利润变动幅度                                                       10%         至                 20%

2015 年归属于上市公司股东的净利润变动区间                                              6,190,212            至          6,752,959



                                                              8
                                                                     宁波银行股份有限公司 2015 年第三季度报告全文

2014 年归属于上市公司股东的净利润                                                       5,627,466
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。


    六、持有其他上市公司股权情况的说明

    报告期内,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

    合约种类         期初合约金额      期末合约金额    报告期损益情况      期末合约金额占公司报告期末净资产比例
    外汇远期           15,740,563       12,249,000          17,742                         31.91%
    货币掉期          165,780,139      276,368,675         (112,514)                      719.98%
    利率互换          230,561,606      632,496,429          74,603                        1647.74%
    货币互换                 147,036     917,544           (3,772)                         2.39%
    期权合同            2,344,628       4,704,507           25,168                         12.26%
         合计         414,573,972      926,736,155          1,227                         2414.28%



    (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(以下简称“中冶纸业”)对公司北


                                                       9
                                                       宁波银行股份有限公司 2015 年第三季度报告全文


京分行债务的相关清偿工作正在进行中。公司第五届董事会第八次会议已经审议通过相关债务处置方案,

同意中国诚通控股集团有限公司(以下简称“诚通集团”)将中冶纸业持有的、由诚通集团首轮查封的650

万股中冶美利纸业股份有限公司(以下简称“美利纸业”)股票进行司法处置,并将股票处置所得款项在

2015年12月31日之前向公司支付,用于抵偿中冶纸业对公司的部分债务,公司剩余部分的债权将统一纳入

中冶纸业金融债权人委员会组织的银团重组贷款,公司在取得由诚通集团代为支付的股票变现款后解除美

利纸业的担保责任;如诚通集团未能按期向公司履行上述义务,则公司将不免除美利纸业的相关担保责任,

并有权申请法院强制执行。为审慎考虑,截至2015年9月30日,公司已就该债权计提相应的拨备、减值准

备合计2.75亿元。

    2、公司深圳分行于4月24日向广东省深圳市中级人民法院提起诉讼,以保证为深圳市黄浦盛世实业有

限公司等四家关联公司办理的以存单、理财产品为全额质押、风险敞口为零的21.04亿元银行承兑汇票业

务不受损失。截至2015年9月30日,上述全部银行承兑汇票均已收回并兑付。


    (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、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。


    九、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○一五年十月二十八日




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                                                                宁波银行股份有限公司 2015 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                                                             2015 年 9 月 30 日         2014 年 12 月 31 日
资产
现金及存放中央银行款项                                              61,101,432                 70,953,938
存放同业款项                                                        17,601,614                 30,447,600
贵金属                                                              1,363,147                       0
拆出资金                                                            2,211,690                   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                        9,975,815                   8,878,979
衍生金融资产                                                        2,663,697                   1,293,140
买入返售金融资产                                                    7,600,043                  17,079,001
应收利息                                                            2,534,668                   3,015,047
发放贷款和垫款                                                     235,464,256                 204,749,878
可供出售金融资产                                                   196,886,016                 120,109,026
持有至到期投资                                                      30,464,854                 16,569,101
应收款项类投资                                                      83,436,619                 71,554,844
投资性房地产                                                          16,596                      16,596
固定资产                                                            3,398,074                   3,352,019
无形资产                                                             174,354                     208,642
递延所得税资产                                                       737,044                     769,245
其他资产                                                            2,874,663                   2,248,966
资产总计                                                           658,504,582                 554,112,618


向中央银行借款                                                      1,000,000                       0
同业及其他金融机构存放款项                                          65,024,040                 86,634,335
拆入资金                                                            6,926,488                  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                          78,176                    1,272,100
衍生金融负债                                                        2,515,179                   1,303,488
卖出回购金融资产款                                                  27,966,470                 28,155,132
吸收存款                                                           359,305,941                 306,531,829
应付职工薪酬                                                         953,116                    1,098,768
应交税费                                                             877,100                     795,134
应付利息                                                            6,096,999                   5,587,627
应付债券                                                           128,204,796                 50,655,391
递延所得税负债                                                         1,856                      3,871
其他负债                                                            21,072,213                 23,838,750
负债合计                                                           620,022,374                 519,948,406
股本                                                                3,899,794                   3,249,829
资本公积                                                            9,948,236                  10,598,201
其他综合收益                                                         745,558                     309,130
盈余公积                                                            2,531,957                   2,531,957
一般风险准备                                                        5,054,465                   4,054,719
未分配利润                                                          16,205,611                 13,347,261
归属于母公司股东的权益                                              38,385,621                 34,091,097
少数股东权益                                                          96,587                      73,115
股东权益合计                                                        38,482,208                 34,164,212
负债和股东权益总计                                                 658,504,582                 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




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                                                                 宁波银行股份有限公司 2015 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                                                              2015 年 9 月 30 日         2014 年 12 月 31 日
资产
现金及存放中央银行款项                                               61,101,432                 70,866,846
存放同业款项                                                         17,601,520                 30,447,600
贵金属                                                               1,363,147                       0
拆出资金                                                             2,211,690                   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                         9,761,152                   8,433,216
衍生金融资产                                                         2,663,697                   1,293,140
买入返售金融资产                                                     9,502,043                  17,009,000
应收利息                                                             2,525,796                   3,006,475
发放贷款和垫款                                                      231,947,080                 204,749,878
可供出售金融资产                                                    196,835,272                 120,109,026
持有至到期投资                                                       30,264,854                 16,569,101
应收款项类投资                                                       83,436,619                 71,554,844
长期股权投资                                                         1,135,000                    135,000
投资性房地产                                                           16,596                      16,596
固定资产                                                             3,392,229                   3,346,879
无形资产                                                              170,335                     205,245
递延所得税资产                                                        737,044                     769,245
其他资产                                                             2,826,534                   2,210,260
资产总计                                                            657,492,040                 553,588,947


向中央银行借款                                                       1,000,000                       0
同业及其他金融机构存放款项                                           65,545,805                 86,652,009
拆入资金                                                             6,536,488                  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                           78,176                     911,324
衍生金融负债                                                         2,515,179                   1,303,488
卖出回购金融资产款                                                   27,966,470                 28,084,562
吸收存款                                                            359,305,937                 306,531,703
应付职工薪酬                                                          939,047                    1,094,476
应交税费                                                              842,277                     792,742
应付利息                                                             6,096,433                   5,587,609
应付债券                                                            128,204,796                 50,655,391
其他负债                                                             20,122,365                 23,829,292
负债合计                                                            619,152,973                 519,514,577
股本                                                                 3,899,794                   3,249,829
资本公积                                                             9,949,664                  10,599,629
其他综合收益                                                          745,614                     308,960
盈余公积                                                             2,531,957                   2,531,957
一般风险准备                                                         5,053,309                   4,054,626
未分配利润                                                           16,158,729                 13,329,369
股东权益合计                                                         38,339,067                 34,074,370
负债和股东权益总计                                                  657,492,040                 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




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                                                                  宁波银行股份有限公司 2015 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                      2015 年 7-9 月   2014 年 7-9 月   2015 年 1-9 月   2014 年 1-9 月
一、营业收入                                       5,116,838       3,792,043        14,124,299       11,086,335
    利息净收入                                     4,038,090       3,492,761        11,636,164       9,845,481
       利息收入                                    8,125,967       6,938,555        23,805,729       20,931,606
       利息支出                                   (4,087,877)     (3,445,794)      (12,169,565)     (11,086,125)
    手续费及佣金净收入                             1,162,691         589,452        2,905,747        1,821,958
       手续费及佣金收入                            1,280,319         643,690        3,218,662        1,969,855
       手续费及佣金支出                            (117,628)        (54,238)        (312,915)        (147,897)
    投资收益(损失以“-”填列)                      (74,856)          43,553         (145,185)          135,210
    公允价值变动收益(损失以“-”填列)               322,787        (565,217)          225,263        (163,478)
    汇兑收益(损失以“-”填列)                      (341,347)         222,965        (522,456)        (580,608)
    其他业务收入                                     9,473            8,529           24,766           27,772
二、营业支出及损失                                (2,925,621)     (1,915,431)      (7,495,546)      (5,352,198)
       营业税费                                    (271,059)       (224,582)        (777,481)        (638,166)
       业务及管理费                               (1,582,889)     (1,149,458)      (4,291,672)      (3,456,509)
       资产减值损失                               (1,066,099)      (540,056)       (2,414,323)      (1,240,309)
       其他业务成本                                 (5,574)          (1,335)         (12,070)         (17,214)
三、营业利润                                       2,191,217       1,876,612        6,628,753        5,734,137
       加:营业外收入                                5,795            3,050           14,592            7,952
       减:营业外支出                               (8,319)         (11,991)         (17,749)         (29,954)
四、利润总额                                       2,188,693       1,867,671        6,625,596        5,712,135
       减:所得税                                  (412,042)       (367,397)       (1,281,495)      (1,125,751)
五、净利润                                         1,776,651       1,500,274        5,344,101        4,586,384
   其中:归属于母公司股东的净利润                  1,768,819       1,498,340        5,320,519        4,584,419
                少数股东损益                         7,832            1,934           23,582            1,965
六、其他综合收益的税后净额                          63,803           36,617           436,318          649,433
   归属于母公司股东的其他综合收益的税后净额         63,879           36,169           436,428          648,902
       以后将重分类进损益的其他综合收益             63,879           36,169           436,428          648,902
             可供出售金融资产公允价值变动           63,879           36,169           436,428          648,902
   归属于少数股东的其他综合收益的税后净额            (76)              448             (110)             531
七、综合收益总额                                   1,840,454       1,536,891        5,780,419        5,235,817
    其中:归属于母公司所有者的综合收益总额         1,832,698       1,534,509        5,756,947        5,233,321
             归属于少数股东的综合收益总额            7,756            2,381           23,472            2,496
八、每股收益:
   (一)基本每股收益                                0.48             0.43             1.36             1.33
   (二)稀释每股收益                                0.48             0.43             1.36             1.33




   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




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                                                                    宁波银行股份有限公司 2015 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                      2015 年 7-9 月   2014 年 7-9 月   2015 年 1-9 月    2014 年 1-9 月
一、营业收入                                    5,016,932        3,770,579       13,932,774        11,049,597
    利息净收入                                  4,013,166        3,492,711       11,607,674        9,843,891
       利息收入                                 8,100,724        6,938,505       23,777,273        20,930,050
       利息支出                                (4,087,558)      (3,445,794)      (12,169,599)     (11,086,159)
    手续费及佣金净收入                          1,082,293         577,449         2,794,863        1,799,841
       手续费及佣金收入                         1,199,920         631,687         3,107,777        1,947,738
       手续费及佣金支出                         (117,627)         (54,238)        (312,914)        (147,897)
    投资收益(损失以“-”填列)                    (79,119)          42,655         (204,336)         133,467
    公允价值变动收益(损失以“-”填列)             332,701        (573,829)         232,865         (174,582)
    汇兑收益(损失以“-”填列)                   (341,582)         223,064         (522,938)        (580,792)
    其他业务收入                                   9,473           8,529           24,646            27,772
二、营业支出及损失                             (2,849,257)      (1,904,095)      (7,380,825)      (5,326,971)
       营业税费                                 (259,345)        (223,573)        (762,540)        (636,347)
       业务及管理费                            (1,542,017)      (1,139,130)      (4,227,420)      (3,433,100)
       资产减值损失                            (1,042,322)       (540,056)       (2,378,796)      (1,240,309)
       其他业务成本                               (5,573)         (1,336)         (12,069)          (17,215)
三、营业利润                                    2,167,675        1,866,484        6,551,949        5,722,626
       加:营业外收入                              5,795           3,050           14,592             7,952
       减:营业外支出                             (8,158)         (11,991)        (17,571)          (29,954)
四、利润总额                                    2,165,312        1,857,543        6,548,970        5,700,624
       减:所得税                               (404,398)        (365,438)       (1,258,504)      (1,122,892)
五、净利润                                      1,760,914        1,492,105        5,290,466        4,577,732
六、其他综合收益的税后净额                        64,034           35,306          436,654          647,283
        以后将重分类进损益的其他综合收益          64,034           35,306          436,654          647,283
             可供出售金融资产公允价值变动         64,034           35,306          436,654          647,283
七、综合收益总额                                1,824,948        1,527,411        5,727,120        5,225,015




      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




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                                                                宁波银行股份有限公司 2015 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                            2015 年 1-9 月             2014 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                                 31,668,168                 47,884,035
存放中央银行和同业款项净减少额                                  4,022,715                  9,515,503
向其他金融机构拆入资金净增加额                                      0                     19,845,175
收取利息、手续费及佣金的现金                                   16,500,906                 14,751,501
收到其他与经营活动有关的现金                                    3,161,043                  8,298,682
    经营活动现金流入小计                                       55,352,832                 100,294,896
客户贷款及垫款净增加额                                         31,720,767                 29,761,683
存放中央银行和同业款项净增加额                                      0                          0
向其他金融机构拆入资金净减少额                                  1,328,498                      0
支付利息、手续费及佣金的现金                                   11,968,822                 10,142,819
支付给职工及为职工支付的现金                                    2,529,778                  1,947,147
支付的各项税费                                                  2,164,628                  1,877,003
支付其他与经营活动有关的现金                                   10,547,542                  2,484,596
    经营活动现金流出小计                                       60,260,035                 46,213,248
    经营活动产生的现金流量净额                                 (4,907,203)                54,081,648
二、投资活动产生的现金流量:
收回投资所收到的现金                                             469,700                  24,335,489
取得投资收益收到的现金                                         11,145,807                  7,528,618
收到其他与投资活动有关的现金                                       377                       3,419
    投资活动现金流入小计                                       11,615,884                 31,867,526
投资支付的现金                                                 102,740,679                86,500,307
购建固定资产、无形资产和其他长期资产所支付的现金                 701,698                    951,704
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                                       103,442,377                87,452,011
    投资活动产生的现金流量净额                                (91,826,493)               (55,584,485)
三、筹资活动产生的现金流量:
吸收投资收到的现金                                                  0                      3,126,511
发行债券收到的现金                                             78,210,000                 14,700,000
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                                       78,210,000                 17,826,511
分配股利、利润或偿付利息支付的现金                              1,851,323                  1,732,428
偿还债务支付的现金                                                  0                      5,000,000
    筹资活动现金流出小计                                        1,851,323                  6,732,428
    筹资活动产生的现金流量净额                                 76,358,677                 11,094,083
四、汇率变动对现金的影响                                         61,256                    (33,597)
五、现金及现金等价物净增加额                                  (20,313,763)                 9,557,649
加:期初现金及现金等价物余额                                   45,670,017                 52,211,382
六、期末现金及现金等价物余额                                   25,356,254                 61,769,031


   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




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                                                                宁波银行股份有限公司 2015 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                            2015 年 1-9 月             2014 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                                 31,668,030                 47,882,211
存放中央银行和同业款项净减少额                                  4,022,715                  9,515,503
向其他金融机构拆入资金净增加额                                      0                     19,845,175
收取利息、手续费及佣金的现金                                   16,220,472                 14,748,356
收到其他与经营活动有关的现金                                    3,120,391                  8,441,876
    经营活动现金流入小计                                       55,031,608                 100,433,121
客户贷款及垫款净增加额                                         28,185,767                 29,761,683
存放中央银行和同业款项净增加额                                      0                          0
向其他金融机构拆入资金净减少额                                  1,328,498                      0
支付利息、手续费及佣金的现金                                   11,973,689                 10,141,488
支付给职工及为职工支付的现金                                    2,501,767                  1,935,715
支付的各项税费                                                  2,140,653                  1,871,246
支付其他与经营活动有关的现金                                   12,974,793                  2,479,450
    经营活动现金流出小计                                       59,105,167                 46,189,582
    经营活动产生的现金流量净额                                 (4,073,559)                54,243,539
二、投资活动产生的现金流量:
收回投资所收到的现金                                             444,760                  24,335,489
取得投资收益收到的现金                                         11,145,807                  7,528,618
收到其他与投资活动有关的现金                                       377                       3,419
    投资活动现金流入小计                                       11,590,944                 31,867,526
投资支付的现金                                                 103,664,539                86,500,307
购建固定资产、无形资产和其他长期资产所支付的现金                 697,972                    950,884
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                                       104,362,511                87,451,191
    投资活动产生的现金流量净额                                (92,771,567)               (55,583,665)
三、筹资活动产生的现金流量:
吸收投资收到的现金                                                  0                      3,076,511
发行债券收到的现金                                             78,210,000                 14,700,000
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                                       78,210,000                 17,776,511
分配股利、利润或偿付利息支付的现金                              1,851,323                  1,732,428
偿还债务支付的现金                                                  0                      5,000,000
    筹资活动现金流出小计                                        1,851,323                  6,732,428
    筹资活动产生的现金流量净额                                 76,358,677                 11,044,083
四、汇率变动对现金的影响                                         60,894                    (33,711)
五、现金及现金等价物净增加额                                  (20,425,555)                 9,670,246
加:期初现金及现金等价物余额                                   45,582,920                 52,211,355
六、期末现金及现金等价物余额                                   25,157,365                 61,881,601


   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




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