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宁波银行(002142)公告正文

宁波银行:2016年第三季度报告正文

公告日期:2016-10-22

                                                                    宁波银行股份有限公司 2016 年第三季度报告正文


证券代码:002142                               证券简称:宁波银行                                公告编号:2016-041
优先股代码:140001                                                                         优先股简称:宁行优 01




          宁波银行股份有限公司 2016 年第三季度报告正文


                                             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 2016 年 10 月 20 日召开了宁波银行股份有限公司第五届董事会 2016 年第二次临时会议,以通
讯表决的方式审议通过了《关于<宁波银行股份有限公司 2016 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。

                                           2016 年 7-9 月   比上年同期增减      2016 年 1-9 月     比上年同期增减
营业收入(千元)                            5,893,773          15.18%           17,939,821             27.01%
归属于上市公司股东的净利润(千元)          2,204,525          24.63%            6,343,378             19.22%
归属于上市公司股东的扣除非经常性损益的净
                                            2,212,723          24.96%            6,347,573             19.25%
利润(千元)
经营活动产生的现金流量净额(千元)            不适用           不适用           85,443,043               -
每股经营活动产生的现金流量净额(元/股)       不适用           不适用              21.91                 -
基本每股收益(元/股)                          0.57            17.71%               1.63               19.22%
稀释每股收益(元/股)                          0.57            17.71%               1.63               19.22%

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                                                                        宁波银行股份有限公司 2016 年第三季度报告正文

扣除非经常性损益后的基本每股收益(元/股)          0.57              18.02%              1.63                 19.25%
加权平均净资产收益率(%)(未年化)               4.99%         提高 0.33 个百分点      14.79%       提高 0.14 个百分点
扣除非经常性损益后的加权平均净资产收益率
                                                  5.01%         提高 0.34 个百分点      14.80%       提高 0.14 个百分点
(%)(未年化)
全面摊薄净资产收益率(%)(未年化)               4.85%         提高 0.24 个百分点      13.96%       提高 0.10 个百分点
扣除非经常性损益后的全面摊薄净资产收益率
                                                  4.87%         提高 0.26 个百分点      13.97%       提高 0.10 个百分点
(%)(未年化)
    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、公司于 2015 年 11 月非公开发行金额共计人民币 48.50 亿元的非累积优先股。该次发行的优先股计息起始日为 2015
年 11 月 16 日,按年派息。截至本报告期末,该次发行的优先股尚未派发第一年的股息。本表中的每股收益、净资产收益率
均未考虑优先股股息的影响。
    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                  2016 年 9 月 30 日   2015 年 12 月 31 日                    2014 年 12 月 31 日
                                                                                      上年末增减
总资产                                       837,689,314           716,464,653           16.92%           554,112,618
客户贷款及垫款                               293,133,883           255,688,580           14.64%           210,062,182
-个人贷款及垫款                              86,902,188            85,201,948           2.00%            72,735,349
-公司贷款及垫款                             176,249,562           141,852,708           24.25%           127,804,398
-票据贴现                                    29,982,133            28,633,924           4.71%             9,522,435
贷款损失准备                                  9,825,092             7,289,475            34.78%            5,312,304
总负债                                       787,324,144           671,367,334           17.27%           519,948,406
客户存款                                     488,772,627           355,685,634           37.42%           306,531,829
 -个人存款                                   102,987,226            80,838,882           27.40%           74,206,208
 -公司存款                                   385,785,401           274,846,752           40.36%           232,325,621
同业拆入                                      28,004,081            20,200,607           38.63%           14,071,981
股本                                          3,899,794             3,899,794            0.00%             3,249,829
股东权益                                      50,365,171            45,097,319           11.68%           34,164,212
其中:归属于母公司股东的权益                  50,259,081            45,001,448           11.68%           34,091,097
归属于母公司股东的每股净资产(元/股)           11.65                 10.30              13.11%                 8.74
    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 9 月 30 日存款总额为 5,534.18 亿元,比年初增加 1,155.61 亿元,增幅
为 26.39%;贷款总额为 2,985.05 亿元,比年初增加 419.04 亿元,增幅为 16.33%。


       (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 1-9 月金额
1、非流动性资产处置损益                                                                                  455
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

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                                                                   宁波银行股份有限公司 2016 年第三季度报告正文

4、除上述各项之外的其他营业外收入和支出                                                          (6,047)
合计对利润总额的影响                                                                             (5,592)
所得税影响额                                                                                     (1,397)
                                           合计                                                  (4,195)
    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

                                                         监管    2016 年      2015 年       2014 年        2013 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         12.51        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          9.67         10.12          10.07         9.36
    办法(试行)》
                           核心一级资本充足率(%)   ≥7.5          8.74          9.03          10.07         9.36
流动性比率(本外币)(%)                              ≥25           50.90        42.44          54.61        42.68
流动性覆盖率(%)                                    ≥70          112.78        100.34         101.48       不适用
存贷款比例(本外币)(%)                                             54.04        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         368.75        308.67         285.17       254.88
贷款拨备率(%)                                                     3.35          2.85           2.53         2.27
单一最大客户贷款比例(%)                            ≤10           1.57          2.07           2.56         3.08
最大十家单一客户贷款比例(%)                        ≤50           11.84        12.57          12.70        15.54
单一最大集团客户授信比例(%)                        ≤15           1.91          4.36           4.40         6.73
                          正常类贷款迁徙率                        1.62          3.38           4.50         2.92
正常贷款迁徙率(%)
                          关注类贷款迁徙率                        35.29        34.77          42.56        38.49
                          次级类贷款迁徙率                        48.75        64.06          54.99        64.07
不良贷款迁徙率(%)
                          可疑类贷款迁徙率                        25.85        18.81          49.65        31.15
总资产收益率(%)(年化)                                           1.09          1.03           1.11         1.16
成本收入比(%)                                                     32.82        34.03          32.07        34.86
资产负债率(%)                                                     93.99        93.71          93.83        94.48
净利差(%)                                                         1.99          2.40           2.50         2.46
净息差(%)                                                         2.00          2.38           2.51         2.51
    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;补充财务指标
数据均为并表口径。
    2、上表中流动性比率、流动性覆盖率、存贷款比例、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
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。




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                                                                     宁波银行股份有限公司 2016 年第三季度报告正文

    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)                86,763                                                        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      145,000,000

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         3.62    141,343,000        0           质押      124,900,000

全国社保基金一零一组合             基金、理财产品等       1.66     64,674,353        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
                                     前 10 名无限售条件股东持股情况
                                                                                          股份种类
             股东名称              期末持有无限售条件股份数量
                                                                          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                   141,343,000                  人民币普通股                  141,343,000

全国社保基金一零一组合                     64,674,353                   人民币普通股                  64,674,353

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
                                   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。


    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。




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                                                                           宁波银行股份有限公司 2016 年第三季度报告正文

    (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



                                                    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 1-9 月         2015 年 1-9 月       比上年同期增减                    主要原因
   手续费及佣金收入          5,191,337               3,218,662                 61.29%                中间业务快速增长
   手续费及佣金支出           501,269                 312,915                  60.19%            金融市场交易服务费增加
                                                                                              债券业务收入及贵金属业务收入
      投资收益                420,453                (145,185)           上年同期为负
                                                                                                             增加
      汇兑收益               (344,866)               (522,456)           上年同期为负           衍生工具公允价值变动影响
      营业税费                492,524                 777,481             (36.65%)                    营改增政策影响
                                                                                               网点建设、 信息科技和电子渠
    业务及管理费             5,887,648               4,291,672                 37.19%
                                                                                                     道建设等投入增加
    资产减值损失             3,958,206               2,414,323                 63.95%          贷款规模增加、拨备计提增加
                                                                                                             单位:人民币千元
        项目               2016 年 9 月 30 日    2015 年 12 月 31 日       比年初增减                     主要原因
       贵金属                  219,583               1,540,475             (85.75%)           贵金属多头数量和估值减少


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                                                                    宁波银行股份有限公司 2016 年第三季度报告正文

         拆出资金              5,652,010        1,381,143            309.23%                      同业拆出资金增加
以公允价值计量且其变动
                              10,725,549        7,039,891             52.35%                 交易性同业存单投资增加
计入当期损益的金融资产
       衍生金融资产            4,767,604        3,537,564             34.77%                    衍生金融资产估值变动
   买入返售金融资产            6,598,800        10,980,600          (39.90%)                    买入返售债券减少
                                                                                       贷款减值准备等项目递延所得税
    递延所得税资产             1,141,030         751,245              51.89%
                                                                                                          增加
    向中央银行借款             1,000,000        1,700,000           (41.18%)                     支小再贷款到期
         拆入资金             28,004,080        20,200,607            38.63%                      同业拆入资金增加
以公允价值计量且其变动
                              11,919,474         182,682             6424.71%               贵金属空头数量和估值增加
计入当期损益的金融负债
         吸收存款             488,772,627     355,685,634             37.42%                        吸收存款增加
                                                                                       可供出售金融资产投资重估储备
       其他综合收益            1,982,046        1,312,883             50.97%
                                                                                                          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 2016 年度经营业绩的预计

                                                                                                          单位:人民币千元
2016 年归属于上市公司股东的净利润变动幅度                                             10%            至                 20%

2016 年归属于上市公司股东的净利润变动区间                                    7,198,766               至          7,853,200
2015 年归属于上市公司股东的净利润                                                               6,544,333


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                                                                         宁波银行股份有限公司 2016 年第三季度报告正文

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              (71,979)                                            10,725,549
的金融资产
  衍生金融资产               3,537,564              1,120,091                                            4,767,604
  可供出售金融资产          249,244,691                                 2,092,571                       293,755,606
金融资产小计                259,822,146             1,048,112           2,092,571                       309,248,759
  以公允价值计量且
其变动计入当期损益           (182,682)              (346,863)                                          (11,919,474)
的金融负债
  衍生金融负债              (3,355,296)             (450,608)                                          (3,918,912)
金融负债小计                (3,537,978)             (797,471)                                          (15,838,386)


     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                                               谈论的主要内容及提供
     接待时间         接待地点    接待方式                              接待对象
                                             象类型                                                      的资料
2016 年 1 月 21 日   公司会议室   实地调研   机构      华融证券                                    2015 年三季度报告
2016 年 3 月 1 日    公司会议室   实地调研   机构      南方基金                                    2015 年三季度报告
2016 年 3 月 3 日    公司会议室   实地调研   机构      国泰君安、东方证券、平安资管、汇添富        2015 年三季度报告
2016 年 3 月 16 日   公司会议室   实地调研   机构      申银万国                                    2015 年三季度报告
                                                       兴业证券、华夏基金、广发基金、中银基金、 2015 年年度报告、
2016 年 6 月 1 日    公司会议室   实地调研   机构
                                                       招商基金                                    2016 年一季度报告
                                                                                                   2015 年年度报告、
2016 年 6 月 20 日   公司会议室   实地调研   机构      首域投资(香港)有限公司
                                                                                                   2016 年一季度报告
                                                       国泰君安证券、大成基金、汇添富基金、华夏
2016 年 6 月 24 日   公司会议室   实地调研   机构      基金、博时基金、安邦资管、复星集团、浙商    2016 年一季度报告
                                                       基金、兴业全球基金




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