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宁波银行(002142)公告正文

宁波银行:2016年第一季度报告全文

公告日期:2016-04-26

                     宁波银行股份有限公司 2016 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)




   2016 年第一季度报告




        二〇一六年四月




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                                                               宁波银行股份有限公司 2016 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 2016 年 4 月 25 日召开了宁波银行股份有限公司第五届董事会 2016 年第一次临时会议,以通

讯表决的方式审议通过了关于《宁波银行股份有限公司 2016 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,为公司及控股子公司永赢基

金管理有限公司、全资子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。


                                              2016 年 1-3 月     2015 年 1-3 月      比上年同期增减
营业收入(千元)                               6,075,851           4,401,527             38.04%
归属于上市公司股东的净利润(千元)             2,030,235           1,751,657             15.90%
归属于上市公司股东的扣除非经常性损益的净利
润(千元)                                     2,032,033           1,752,955             15.92%
经营活动产生的现金流量净额(千元)             81,272,721           584,343                -



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                                                                       宁波银行股份有限公司 2016 年第一季度报告全文

基本每股收益(元)                                       0.52                  0.45                   15.56%
稀释每股收益(元)                                       0.52                  0.45                   15.56%
扣除非经常性损益后的基本每股收益(元)                   0.52                  0.45                   15.56%
加权平均净资产收益率                                     4.92%                 5.01%          降低 0.09 个百分点
扣除非经常性损益后的加权平均净资产收益率                 4.92%                 5.01%          降低 0.09 个百分点
全面摊薄净资产收益率                                     4.79%                 4.88%          降低 0.09 个百分点
扣除非经常性损益后的全面摊薄净资产收益率                 4.79%                 4.89%          降低 0.10 个百分点

    注:1、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。

     2、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,公司以 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,实施完成后公司总股本为 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、归属于母公司股东的每股净资产均按调整后的股数重新计算。



                                                                                        本报告期末
         规模指标(人民币 千元)         2016 年 3 月 31 日   2015 年 12 月 31 日                        2014 年 12 月 31 日
                                                                                       比上年末增减
总资产                                     814,209,863           716,464,653              13.64%            554,112,618
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客户贷款及垫款                             273,277,399           255,688,580              6.88%             210,062,182
-个人贷款及垫款                            81,730,605           85,201,948              (4.07%)            72,735,349
-公司贷款及垫款                           155,595,798           141,852,708              9.69%             127,804,398
-票据贴现                                  35,950,996           28,633,924               25.55%               9,522,435
贷款损失准备                                8,194,851             7,289,475               12.42%               5,312,304
总负债                                     766,876,759           671,367,334              14.23%            519,948,406
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客户存款                                   450,822,647           355,685,634              26.75%            306,531,829
 -个人存款                                  99,732,906           80,838,882               23.37%            74,206,208
 -公司存款                                 351,089,741           274,846,752              27.74%            232,325,621
同业拆入                                    28,662,546           20,200,607               41.89%            14,071,981
股本                                        3,899,794             3,899,794               0.00%                3,249,829
股东权益                                    47,333,104           45,097,319               4.96%             34,164,212
其中:归属于上市公司股东的权益              47,232,684           45,001,448               4.96%             34,091,097
归属于上市公司普通股股东的每股净资产
                                              10.87                 10.30                 5.53%                  8.74
(元/股)

    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,2016 年 3 月 31 日存款总额为 5,196.39 亿元,比年初增加 817.82 亿元,增幅为
18.68%;贷款总额为 2,741.87 亿元,比年初增加 175.86 亿元,增幅为 6.85%。


       (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                                                2016 年 1-3 月金额
1、非流动性资产处置损益                                                                                    31



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                                                                   宁波银行股份有限公司 2016 年第一季度报告全文

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                                                            (2,428)
合计对利润总额的影响                                                                               (2,397)
所得税影响额                                                                                         599
                                           合计                                                    (1,798)
    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    2016 年      2015 年       2014 年          2013 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       12.39        13.29         12.40           12.06
根据《商业银行资本管理
                           一级资本充足率(%)       ≥8.5        9.47         10.12         10.07           9.36
   办法(试行)》
                           核心一级资本充足率(%)   ≥7.5        8.50         9.03          10.07           9.36
流动性比率(本外币)(%)                              ≥25         49.34        42.44         54.61           42.68
流动性覆盖率(%)                                    ≥70         94.51        100.34        101.48          不适用
存贷款比例(本外币)(%)                              ≤75          54.18       63.73         64.12           61.97
不良贷款比率(%)                                    ≤5           0.91        0.92          0.89            0.89
拨备覆盖率(%)                                      ≥150        327.84       308.67        285.17          254.88
贷款拨备率(%)                                                   3.00         2.85          2.53            2.27
单一最大客户贷款比例(%)                            ≤10         2.35         2.07          2.56            3.08
最大十家单一客户贷款比例(%)                        ≤50         13.30        12.57         12.70           15.54
单一最大集团客户授信比例(%)                        ≤15         3.77         4.36          4.40            6.73
                          正常类贷款迁徙率                      0.76         3.38          4.50            2.92
正常贷款迁徙率(%)
                          关注类贷款迁徙率                      19.84        34.77         42.56           38.49
                          次级类贷款迁徙率                      33.18        64.06         54.99           64.07
不良贷款迁徙率(%)
                          可疑类贷款迁徙率                      12.25        18.81         49.65           31.15
总资产收益率(%)(年化)                                         1.06         1.03          1.11            1.16
成本收入比(%)                                                   31.52        34.03         32.07           34.86
资产负债率(%)                                                   94.19        93.71         93.83           94.48
净利差(%)                                                       2.25         2.40          2.50            2.46
净息差(%)                                                       2.20         2.38          2.51            2.51
    注 1、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。
    2、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。




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                                                                                  宁波银行股份有限公司 2016 年第一季度报告全文


    (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
                                                2016 年 3 月 31 日                                    2015 年 12 月 31 日
            项目
                                         并表                   非并表                         并表                       非并表
核心一级资本净额                     42,216,882               40,981,437                    39,970,280                  38,762,631
一级资本净额                         47,041,573               45,806,128                    44,794,971                  43,587,322
总资本净额                           61,525,880               60,196,930                    58,822,834                  57,551,178
核心一级资本充足率                       8.50                    8.39                         9.03%                        8.86%
一级资本充足率                           9.47                    9.37                        10.12%                        9.96%
资本充足率                              12.39                    12.32                       13.29%                       13.15%
    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。


    杠杆率
                                                                                                                     单位:(人民币)千元
                项 目                2016 年 3 月 31 日       2015 年 12 月 31 日           2015 年 9 月 30 日         2015 年 6 月 30 日
杠杆率                                     5.05%                       5.40%                        4.76%                    4.87%
一级资本净额                            47,041,573                   44,794,971                37,070,975                 37,870,121
调整后表内外资产余额                   930,740,453               829,690,835                  778,436,442                777,250,264
     注:根据 2015 年 4 月 1 日起施行的《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。


    (五)贷款五级分类情况

                                                                                                                     单位:(人民币)千元
                            2016 年 3 月 31 日                  2015 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:        270,777,758         99.09%         253,326,969            99.08%               17,450,789               0.01
         正常           266,663,331         97.58%         248,799,232            97.31%               17,864,099               0.27
         关注            4,114,427          1.51%           4,527,737              1.77%                (413,310)              (0.26)
 不良贷款小计:          2,499,641          0.91%           2,361,612              0.92%                 138,029               (0.01)
         次级            1,229,114          0.45%           1,062,020              0.42%                 167,094                0.03
         可疑             911,031           0.33%            894,656               0.35%                    16,375             (0.02)
         损失             359,496           0.13%            404,935               0.16%                 (45,439)              (0.03)
  客户贷款合计          273,277,399        100.00%         255,688,580            100.00%              17,588,819               0.00



    (六)贷款损失准备计提和核销的情况

                                                                                                                     单位:(人民币)千元
                              项目                                             2016 年 3 月 31 日               2015 年 12 月 31 日
期初余额                                                                          7,289,475                           5,312,304



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                                                                         宁波银行股份有限公司 2016 年第一季度报告全文

本期计提                                                                 1,486,815                       3,835,612
本期收回                                                                  37,366                          137,180
其中:收回原转销贷款及垫款导致的转回                                      37,366                          137,180
本期核销                                                                (554,797)                     (1,927,873)
已减值贷款利息回拨                                                           0                           (67,748)
期末余额                                                                 8,258,859                       7,289,475


    二、报告期末股东总数及前十名股东持股情况表

    (一)普通股股东和表决权恢复的优先股股东数量及前 10 名股东持股情况表

                                                                                                                    单位:股
                                                                      报告期末表决权恢复的优
      报告期末股东总数(户)                   127,720                                                       0
                                                                       先股股东总数(户)
                                               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
宁波开发投资集团有限公司                  国有法人            20.00   779,958,816 190,154,630       质押      194,400,000
新加坡华侨银行有限公司                    境外法人            18.58   724,639,451 249,054,816
雅戈尔集团股份有限公司                 境内非国有法人         11.64   453,765,161        0
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      173,000,000
宁波杉杉股份有限公司                   境内非国有法人         4.00    155,956,535        0
宁波富邦控股集团有限公司               境内非国有法人         3.78    147,324,000        0          质押      112,400,000
新加坡华侨银行有限公司(QFII)            境外法人            1.42     55,319,365        0
中央汇金资产管理有限责任公司              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
全国社保基金一零一组合                 基金、理财产品等       1.05     41,057,198        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
宁波开发投资集团有限公司                      589,804,186                  人民币普通股                  589,804,186
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                        453,765,161                  人民币普通股                  453,765,161
华茂集团股份有限公司                          228,000,000                  人民币普通股                  228,000,000
宁波杉杉股份有限公司                          155,956,535                  人民币普通股                  155,956,535
宁波富邦控股集团有限公司                      147,324,000                  人民币普通股                  147,324,000
新加坡华侨银行有限公司(QFII)                55,319,365                   人民币普通股                  55,319,365
中央汇金资产管理有限责任公司                  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
全国社保基金一零一组合                        41,057,198                   人民币普通股                  41,057,198
                                       宁波开发投资集团有限公司和宁兴(宁波)资产管理有限公司为一致行动人;新加
上述股东关联关系或一致行动的说明
                                       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。




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                                                                      宁波银行股份有限公司 2016 年第一季度报告全文


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


    (二)公司优先股股东总数及前 10 名优先股股东持股情况表

                                                                                                               单位:股
报告期末优先股股东总数                                                             7
                                             前 10 名优先股股东持股情况
                                                                             持有有限售条           质押或冻结情况
            股东名称                股东性质    持股比例       持股数量
                                                                             件的股份数量       股份状态       数量
中粮信托有限责任公司                  其他        23.53%       11,410,000          0
交银国际信托有限公司                  其他        19.79%       9,600,000           0
博时基金管理有限公司                  其他        16.06%       7,790,000           0
招商财富资产管理有限公司              其他        11.75%       5,700,000           0
华安未来资产管理(上海)有限公司      其他        10.31%       5,000,000           0
浦银安盛基金管理有限公司              其他        10.31%       5,000,000           0
中国邮政储蓄银行股份有限公司          其他        8.25%        4,000,000           0
                                      前 10 名无限售条件优先股股东持股情况
                         股东名称                                           持有无限售条件优先股股份数量
中粮信托有限责任公司                                                                   11,410,000
交银国际信托有限公司                                                                   9,600,000
博时基金管理有限公司                                                                   7,790,000
招商财富资产管理有限公司                                                               5,700,000
华安未来资产管理(上海)有限公司                                                       5,000,000
浦银安盛基金管理有限公司                                                               5,000,000
中国邮政储蓄银行股份有限公司                                                           4,000,000
上述股东关联关系或一致行动的说明                                                           无



    三、公司经营情况分析

    2016年开年,公司在董事会的领导下,继续秉承“审慎经营,稳健发展”的经营理念,进一步发扬“苦

干”精神,围绕“守住底线、专业经营、确保盈利”三大工作主线,全面风险管理不断夯实,专业经营能

力持续提升,经营业绩保持稳步增长,可持续发展能力不断增强。主要表现在:

    1、业务规模稳步增长,发展基础更为夯实。截至2016年一季度末,公司总资产8,142.10亿元,比年

初增加977.45亿元,增幅为13.64%;各项存款4,508.23亿元,比年初增加951.37亿元,增幅为26.75%;各

项贷款2,732.77亿元,比年初增加175.89亿元,增幅为6.88%。

    2、盈利能力持续提升,发展动力更加均衡。2016年一季度,公司实现营业收入60.76亿元,同比增加

16.74亿元,增幅为38.04%;营业利润24.17亿元,同比增加2.42亿元,增幅为11.10%;归属于母公司股东的

净利润20.30亿元,同比增加2.79亿元,增幅为15.90%;基本每股收益0.52元,同比提高0.07元。公司盈利



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                                                                       宁波银行股份有限公司 2016 年第一季度报告全文


保持稳健增长的同时,盈利结构持续优化,一季度实现手续费及佣金净收入15.42亿元,同比增加7.24亿

元,增幅为88.62%;手续费及佣金净收入占营业收入比重25.37%,同比提高6.8个百分点。

    3、资产质量保持稳定,稳健发展更有保障。截至2016年一季度末,公司不良贷款率0.91%,较年初下

降0.01个百分点;拨备覆盖率327.84%,较年初提高19.17个百分点;拨贷比3.00%,较年初提高0.15个百

分点;公司资产质量继续保持在较好水平,风险抵御能力进一步增强。

    4、资本充足水平较高,发展后劲保持强实。截至2016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12.39%,一级资本充足率均为9.47%,核心一级资本充足率为8.50%。




                                                 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           2016 年 1-3 月        2015 年 1-3 月      比上年同期增减                  主要原因
手续费及佣金收入              1,712,409              900,333              90.20%       中间业务快速增长
手续费及佣金支出               170,846                83,045             105.73%       金融市场交易服务费增加
投资收益                       424,500               121,349             249.82%       金融资产投资收益增加
汇兑收益                       (25,363)              116,906           本年同期为负    市场汇率波动对汇兑损益的影响
业务及管理费                  1,914,864             1,320,069             45.06%       信息科技和电子渠道建设的投入增加
资产减值损失                  1,422,808              646,982             119.91%       贷款规模增加、损失准备计提增加


                                                                                                        单位:(人民币)千元
           项目            2016 年 3 月 31 日   2015 年 12 月 31 日     比年初增减                    主要原因
以公允价值计量且其变动计
                             12,811,793             7,039,891             81.99%       投资规模增加
入当期损益的金融资产
买入返售金融资产             16,480,455            10,980,600             50.09%       买入返售债券增加
向中央银行借款                5,700,000             1,700,000            235.29%       中期借贷便利业务增加
拆入资金                     28,662,546            20,200,607             41.89%       同业拆入资金增加
应付职工薪酬                   883,901              1,495,977           (40.91%)     年终薪酬发放
应交税费                      1,402,941              899,812              55.91%       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。




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                                                                         宁波银行股份有限公司 2016 年第一季度报告全文


    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         承诺类型                  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
非公开发行认购对象                  股份限售承 自发行结束之日起,60 个月内不 2014 年 10
                   限公司、宁波开发                                                        60 个月               严格履行
承诺                                    诺     转让本次认购的股份               月8日
                   投资集团有限公司
                                               将采取多项措施保证募集资金有
其他对公司中小股东                  再融资时所                                2014 年 7 月
                         公司                  效使用,有效防范即期回报被摊薄               长期                 严格履行
所作承诺                              做承诺                                     16 日
                                               的风险,并提高未来的回报能力
                                               为保护普通股股东的利益,填补优
                                               先股发行可能导致的即期回报减
其他对公司中小股东                  再融资时所 少,公司承诺将采取多项措施保证 2015 年 11
                         公司                                                               长期                 严格履行
所作承诺                              做承诺 募集资金有效使用,有效防范即期 月 26 日
                                               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
如承诺超期未履行完
毕的,应当详细说明
未完成履行的具体原                                         不适用
因及下一步的工作计



    四、对 2016 年 1-6 月经营业绩的预计

                                                                                                     单位:(人民币)千元
2016 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%

2016 年 1-6 月归属于上市公司股东的净利润区间:                                   3,906,870          至           4,262,040
2015 年 1-6 月归属于上市公司股东的净利润:                                                    3,551,700
业绩变动的原因说明                                                                   业务规模扩大、盈利能力增强



    五、以公允价值计量的金融资产及负债

                                                                                                     单位:(人民币)千元
                                                 本期公允价值     计入权益的累计公允价       本期计提的
       项目                期初金额                                                                            期末金额
                                                   变动损益             值变动                 减值
  以公允价值计量且
其变动计入当期损益         7,039,891               (65,249)                                                   12,811,793
的金融资产
  衍生金融资产             3,537,564              (146,167)                                                    3,450,962
  可供出售金融资产        249,244,691                                    1,993,577                            296,445,597
金融资产小计              259,822,146             (211,416)              1,993,577                            312,708,352
  以公允价值计量且
其变动计入当期损益         (182,682)               (1,642)                                                         0
的金融负债
  衍生金融负债            (3,355,296)             (122,233)                                                   (3,480,671)
金融负债小计              (3,537,978)             (123,875)                                                   (3,480,671)




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                                                                   宁波银行股份有限公司 2016 年第一季度报告全文


     六、违规对外担保情况


     报告期内,公司无违规对外担保情况。


     七、控股股东及其关联方对上市公司的非经营性占用资金情况


     报告期内,公司不存在控股股东及其关联方对上市公司的非经营性占用资金。


     八、报告期内接待调研、沟通、采访等活动登记表

                                接待对象
      接待时间       接待方式                                        调研的基本情况索引
                                 类型
2016 年 1 月 21 日   实地调研     机构     巨潮资讯网(www.cninfo.com.cn) 公司《投资者关系活动记录表》
2016 年 3 月 1 日    实地调研     机构     巨潮资讯网(www.cninfo.com.cn) 公司《投资者关系活动记录表》
2016 年 3 月 3 日    实地调研     机构     巨潮资讯网(www.cninfo.com.cn) 公司《投资者关系活动记录表》
2016 年 3 月 16 日   实地调研     机构     巨潮资讯网(www.cninfo.com.cn) 公司《投资者关系活动记录表》




                                                                                      宁波银行股份有限公司


                                                                                              董事长:陆华裕


                                                                                    二○一六年四月二十五日




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                                                                宁波银行股份有限公司 2016 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                                                           2016 年 3 月 31 日         2015 年 12 月 31 日
资产
现金及存放中央银行款项                                            72,761,350                  66,189,440
存放同业款项                                                      13,082,990                  14,199,976
贵金属                                                             1,700,067                  1,540,475
拆出资金                                                           1,274,272                  1,381,143
以公允价值计量且其变动计入当期损益的金融资产                      12,811,793                  7,039,891
衍生金融资产                                                       3,450,962                  3,537,564
买入返售金融资产                                                  16,480,455                  10,980,600
应收利息                                                           2,757,584                  2,765,145
发放贷款和垫款                                                    265,082,548                248,399,105
可供出售金融资产                                                  296,458,847                249,257,941
持有至到期投资                                                    31,332,977                  32,671,512
应收款项类投资                                                    85,210,125                  71,231,132
投资性房地产                                                        16,559                      16,559
固定资产                                                           3,375,515                  3,420,258
无形资产                                                            232,164                    244,245
在建工程                                                           1,664,569                  1,598,042
递延所得税资产                                                      946,166                    751,245
其他资产                                                           5,570,920                  1,240,380
资产总计                                                          814,209,863                716,464,653
负债及所有者权益
向中央银行借款                                                     5,700,000                  1,700,000
同业及其他金融机构存放款项                                        77,875,941                  68,632,509
拆入资金                                                          28,662,546                  20,200,607
以公允价值计量且其变动计入当期损益的金融负债                           -                       182,682
衍生金融负债                                                       3,480,671                  3,355,296
卖出回购金融资产款                                                43,683,651                  46,497,690
吸收存款                                                          450,822,647                355,685,634
应付职工薪酬                                                        883,901                   1,495,977
应交税费                                                           1,402,941                   899,812
应付利息                                                           6,921,961                  6,195,876
应付债券                                                          134,378,454                144,056,767
递延所得税负债                                                       1,246                      6,122
其他负债                                                          13,062,800                  22,458,362
负债合计                                                          766,876,759                671,367,334
股本                                                               3,899,794                  3,899,794
其他权益工具                                                       4,824,691                  4,824,691
资本公积                                                           9,948,236                  9,948,236
其他综合收益                                                       1,513,884                  1,312,883
盈余公积                                                           3,181,124                  3,181,124
一般风险准备                                                       5,057,103                  5,055,801
未分配利润                                                        18,807,852                  16,778,919
归属于母公司股东的权益                                            47,232,684                  45,001,448
少数股东权益                                                        100,420                     95,871
股东权益合计                                                      47,333,104                  45,097,319
负债和股东权益总计                                                814,209,863                716,464,653
   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 2016 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                                                            2016 年 3 月 31 日         2015 年 12 月 31 日
资产
现金及存放中央银行款项                                             72,863,805                  66,189,347
存放同业款项                                                       12,997,535                  14,148,384
贵金属                                                              1,700,067                  1,540,475
拆出资金                                                            1,274,272                  1,406,143
以公允价值计量且其变动计入当期损益的金融资产                       12,596,513                  6,684,535
衍生金融资产                                                        3,450,962                  3,537,564
买入返售金融资产                                                   17,356,455                  12,786,000
应收利息                                                            2,718,675                  2,733,908
发放贷款和垫款                                                     257,171,717                242,298,929
可供出售金融资产                                                   296,427,680                249,021,965
持有至到期投资                                                     31,132,977                  32,671,512
应收款项类投资                                                     85,210,125                  71,231,132
长期股权投资                                                        1,135,000                  1,135,000
投资性房地产                                                         16,559                      16,559
固定资产                                                            3,369,138                  3,413,375
无形资产                                                             226,884                    238,625
在建工程                                                            1,664,121                  1,596,450
递延所得税资产                                                       945,528                    751,245
其他资产                                                            5,496,041                  1,197,278
资产总计                                                           807,754,054                712,598,426
负债及所有者权益
向中央银行借款                                                      5,700,000                  1,700,000
同业及其他金融机构存放款项                                         77,920,255                  68,692,497
拆入资金                                                           23,454,546                  17,512,607
以公允价值计量且其变动计入当期损益的金融负债                            0                        53,455
衍生金融负债                                                        3,480,671                  3,355,296
卖出回购金融资产款                                                 43,683,651                  46,466,690
吸收存款                                                           452,182,977                356,552,819
应付职工薪酬                                                         872,069                   1,449,093
应交税费                                                            1,387,736                   875,472
应付利息                                                            6,904,880                  6,190,640
应付债券                                                           134,378,454                144,056,767
其他负债                                                           10,661,855                  20,769,914
负债合计                                                           760,627,094                667,675,250
股本                                                                3,899,794                  3,899,794
其他权益工具                                                        4,824,691                  4,824,691
资本公积                                                            9,949,664                  9,949,664
其他综合收益                                                        1,511,604                  1,303,830
盈余公积                                                            3,181,123                  3,181,124
一般风险准备                                                        5,053,309                  5,053,309
未分配利润                                                         18,706,775                  16,710,764
股东权益合计                                                       47,126,960                  44,923,176
负债和股东权益总计                                                 807,754,054                712,598,426


   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 2016 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                                 2016 年 1-3 月           2015 年 1-3 月
一、营业收入                                                           6,075,851                4,401,527
    利息净收入                                                         4,464,306                3,730,342
       利息收入                                                        8,533,897                7,621,319
       利息支出                                                       (4,069,591)              (3,890,977)
    手续费及佣金净收入                                                 1,541,563                 817,288
       手续费及佣金收入                                                1,712,409                 900,333
       手续费及佣金支出                                                (170,846)                 (83,045)
    投资收益(损失以“-”填列)                                           424,500                  121,349
    公允价值变动收益(损失以“-”填列)                                  (335,291)                (391,378)
    汇兑收益(损失以“-”填列)                                          (25,363)                  116,906
    其他业务收入                                                         6,136                    7,020
二、营业支出及损失                                                    (3,658,667)              (2,225,927)
       营业税费                                                        (319,467)                (258,136)
       业务及管理费                                                   (1,914,864)              (1,320,069)
       资产减值损失                                                   (1,422,808)               (646,982)
       其他业务成本                                                     (1,528)                   (740)
三、营业利润                                                           2,417,184                2,175,600
       加:营业外收入                                                    6,192                    1,250
       减:营业外支出                                                   (6,048)                  (2,980)
五、利润总额                                                           2,417,328                2,173,870
       减:所得税                                                      (383,463)                (413,767)
六、净利润                                                             2,033,865                1,760,103
其中:归属于母公司股东的净利润                                         2,030,235                1,751,657
               少数股东损益                                              3,630                    8,446
六、其他综合收益的税后净额                                              201,922                   25,153
归属于母公司股东的其他综合收益的税后净额                                201,003                   25,157
以后将重分类进损益的其他综合收益                                        201,003                   25,157
可供出售金融资产公允价值变动                                            201,003                   25,157
归属于少数股东的其他综合收益的税后净额                                    919                      (4)
九、综合收益总额                                                       2,235,787                1,785,256
    其中:归属于母公司所有者的综合收益总额                             2,231,238                1,776,814
          归属于少数股东的综合收益总额                                   4,549                    8,442
七、每股收益:
   (一)基本每股收益                                                    0.52                      0.45
   (二)稀释每股收益                                                    0.52                      0.45


   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 2016 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                             2016 年 1-3 月          2015 年 1-3 月
一、营业收入                                                      5,970,961               4,358,119
   利息净收入                                                     4,419,795               3,730,306
      利息收入                                                    8,452,787               7,621,283
      利息支出                                                   (4,032,992)             (3,890,977)
   手续费及佣金净收入                                             1,468,206                803,770
      手续费及佣金收入                                            1,639,051                886,815
      手续费及佣金支出                                            (170,845)                (83,045)
   投资收益(损失以“-”填列)                                       423,020                 119,022
   公允价值变动收益(损失以“-”填列)                              (320,878)               (418,543)
   汇兑收益(损失以“-”填列)                                      (25,318)                 116,664
   其他业务收入                                                     6,136                   6,900
二、营业支出及损失                                               (3,601,406)             (2,216,826)
      营业税费                                                    (310,138)               (257,174)
      业务及管理费                                               (1,894,639)             (1,311,930)
      资产减值损失                                               (1,395,101)              (646,982)
      其他业务成本                                                 (1,528)                  (740)
三、营业利润                                                      2,369,555               2,141,293
      加:营业外收入                                                3,425                   1,250
      减:营业外支出                                               (5,822)                 (2,980)
四、利润总额                                                      2,367,158               2,139,563
      减:所得税                                                  (371,150)               (405,656)
五、净利润                                                        1,996,008               1,733,907
六、其他综合收益                                                   207,776                  25,321
    以后将重分类进损益的其他综合收益                               207,776                  25,321
    可供出售金融资产公允价值变动                                   207,776                  25,321
七、综合收益总额                                                  2,203,784               1,759,228


   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 2016 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                          2016 年 1-3 月               2015 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                              104,857,978                  38,283,168
向中央银行借款净增加额                                       4,000,000                        0
存放中央银行和同业款项净减少额                                   0                        1,456,537
向其他金融机构拆入资金净增加额                               6,625,626                        0
收取利息、手续费及佣金的现金                                 5,971,060                    4,975,599
收到其他与经营活动有关的现金                                 4,580,210                    5,829,522
    经营活动现金流入小计                                    126,034,874                  50,544,826
客户贷款及垫款净增加额                                       17,881,420                  10,497,613
存放中央银行和同业款项净增加额                               3,082,645                        0
向其他金融机构拆入资金净减少额                                   0                       26,304,860
支付利息、手续费及佣金的现金                                 3,504,723                    3,705,067
支付给职工及为职工支付的现金                                 1,843,112                    1,335,535
支付的各项税费                                                366,161                      446,690
支付其他与经营活动有关的现金                                 18,084,092                   7,670,718
    经营活动现金流出小计                                     44,762,153                  49,960,483
    经营活动产生的现金流量净额                               81,272,721                    584,343
二、投资活动产生的现金流量:
收回投资所收到的现金                                         62,599,406                  67,904,933
取得投资收益收到的现金                                       4,334,398                    3,483,467
收到其他与投资活动有关的现金                                   82,397                      (156)
    投资活动现金流入小计                                     67,016,201                  71,388,244
投资支付的现金                                              126,856,306                  86,622,983
购建固定资产、无形资产和其他长期资产所支付的现金              194,866                      134,231
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                                    127,051,172                  86,757,214
    投资活动产生的现金流量净额                              (60,034,971)               (15,368,970)
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                                          (10,360,000)                 14,010,000
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                                    (10,360,000)                 14,010,000
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                              (10,360,000)                 14,010,000
四、汇率变动对现金的影响                                      (22,252)                     (1,526)
五、现金及现金等价物净增加额                                 10,855,498                   (776,153)
加:期初现金及现金等价物余额                                 26,933,522                  45,670,017
六、期末现金及现金等价物余额                                 37,789,020                  44,893,864
   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 2016 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                             2016 年 1-3 月            2015 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                                   104,857,916                38,283,132
向中央银行借款净增加额                                            4,000,000                     0
存放中央银行和同业款项净减少额                                        0                     1,456,537
向其他金融机构拆入资金净增加额                                    4,318,626                     0
收取利息、手续费及佣金的现金                                      5,772,672                 4,975,599
收到其他与经营活动有关的现金                                      5,517,860                 5,808,647
    经营活动现金流入小计                                         124,467,074                50,523,915
客户贷款及垫款净增加额                                            15,750,458                10,497,613
存放中央银行和同业款项净增加额                                    3,241,645                     0
向其他金融机构拆入资金净减少额                                        0                     26,304,860
支付利息、手续费及佣金的现金                                      3,489,597                 3,705,067
支付给职工及为职工支付的现金                                      1,807,612                 1,328,641
支付的各项税费                                                     315,567                   443,075
支付其他与经营活动有关的现金                                      20,576,032                7,667,503
    经营活动现金流出小计                                          45,180,911                49,946,759
    经营活动产生的现金流量净额                                    79,286,163                 577,156
二、投资活动产生的现金流量:
收回投资所收到的现金                                              62,599,406                67,894,933
取得投资收益收到的现金                                            4,334,398                 3,483,467
收到其他与投资活动有关的现金                                        82,394                    (156)
    投资活动现金流入小计                                          67,016,198                71,378,244
投资支付的现金                                                   127,856,306                86,605,983
购建固定资产、无形资产和其他长期资产所支付的现金                   193,566                   134,029
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                                         128,049,872                86,740,012
    投资活动产生的现金流量净额                                   (61,033,674)              (15,361,768)
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                                               (10,360,000)               14,010,000
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                                         (10,360,000)               14,010,000
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                                   (10,360,000)               14,010,000
四、汇率变动对现金的影响                                           (22,191)                  (1,561)
五、现金及现金等价物净增加额                                      7,870,298                 (776,173)
加:期初现金及现金等价物余额                                      28,728,754                45,582,920
六、期末现金及现金等价物余额                                      36,599,052                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

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