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宁波银行(002142)公告正文

宁波银行:2016年第三季度报告全文

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 年第三季度报告




         2016 年 10 月




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                                                                  宁波银行股份有限公司 2016 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 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               -


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

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%
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

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

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                                                          (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 9 月 30 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                     45,265,454               43,943,116                    39,970,280                38,762,631
一级资本净额                         50,090,145               48,767,807                    44,794,971                43,587,322
总资本净额                           64,799,800               63,336,511                    58,822,834                57,551,178
核心一级资本充足率                      8.74%                    8.68%                        9.03%                      8.86%
一级资本充足率                          9.67%                    9.63%                        10.12%                     9.96%
资本充足率                              12.51%                  12.51%                        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 9 月 30 日       2016 年 6 月 30 日            2016 年 3 月 31 日      2015 年 12 月 31 日
杠杆率                                     5.27%                       5.21%                        5.05%                   5.40%
一级资本净额                            50,090,145                   48,877,567                47,041,573               44,794,971
调整后表内外资产余额                   949,828,882               938,758,441                  930,740,453              829,690,835


   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 9 月 30 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:        290,469,418         99.09%         253,326,969            99.08%               37,142,449              0.01
         正常           286,331,103         97.68%         248,799,232            97.31%               37,531,871              0.37
         关注            4,138,315          1.41%           4,527,737              1.77%                (389,422)             (0.36)
 不良贷款小计:          2,664,465          0.91%           2,361,611              0.92%                 302,854              (0.01)
         次级            1,391,243          0.47%           1,062,020              0.41%                 329,223               0.06
         可疑            894,352            0.31%            894,656               0.35%                    (304)             (0.04)
         损失            378,870            0.13%            404,935               0.16%                (26,065)              (0.03)
  客户贷款合计          293,133,883        100.00%         255,688,580            100.00%              37,445,303              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 9 月 30 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 年第三季度报告全文

本期计提                                                                 3,958,206                         3,835,612
本期收回                                                                  172,867                           137,180
其中:收回原转销贷款及垫款导致的转回                                      172,867                           137,180
本期核销                                                                (1,595,456)                        (1,927,873)
已减值贷款利息回拨                                                           0                              (67,748)
期末余额                                                                 9,825,092                         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)                    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。




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


    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,公司在董事会的领导下,秉承“审慎经营,稳健发展”的经营理念,坚持“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。主要体现在:

    (一)各项业务协同发展,业务规模持续增长

    报告期末,公司资产总额8,376.89亿元,比年初增长16.92%;各项存款4,887.73亿元,比年初增长

37.42%;各项贷款2,931.34亿元,比年初增长14.64%。报告期内,公司积极适应市场环境变化,不断夯实

基础业务和基础客群,持续升级营销方式,积极营销优质客户与优质项目,实现资产负债规模的稳步增长。

    (二)经营结构不断优化,盈利能力持续提升

    公司2016年1-9月实现营业收入179.40亿元,同比增长27.01%;实现归属于母公司股东的净利润63.43

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


亿元,同比增长19.22%;实现手续费及佣金净收入46.90亿元,同比增长61.41%,在营业收入中占比达

26.14%,同比上升5.57个百分点。公司大力拓展中间业务,投行、托管、资产管理、信用卡等利润中心盈

利能力不断提升,盈利分布更趋多元。

    (三)风险管理稳步升级,资产质量持续稳定

    2016年,在银行业不良率仍处于上升周期的情况下,公司继续坚持“控制风险就是减少成本”的理念,

风险管理经受住考验。报告期末,公司不良贷款率0.91%,比年初下降0.01个百分点;拨贷比3.35%,比年

初提高了0.50个百分点;拨备覆盖率368.75%,比年初提高了60.08个百分点,在同业中均继续保持较好水

平。

    (四)资本预算约束进一步深化,资本使用效率持续提升

    报告期内,公司持之以恒做大基础业务,做强核心业务,坚持不懈推进多元化利润中心建设,增加多

渠道盈利来源,有力驱动公司盈利增长,实现资本的内生性积累;在强化资本预算约束的前提下,不断优

化资产结构,进一步统筹经济资本配置,资本效率保持在较好水平。报告期末,公司资本充足率12.51%;

一级资本充足率和核心一级资本充足率分别为9.67%和8.74%,年化加权平均净资产收益率19.71%。




                                            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
       拆出资金         5,652,010             1,381,143             309.23%            同业拆出资金增加



                                                     8
                                                                    宁波银行股份有限公司 2016 年第三季度报告全文

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
业绩变动的原因说明                                                               业务规模扩大、盈利能力增强

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


     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


                                                                                         宁波银行股份有限公司

                                                                                                  董事长:陆华裕

                                                                                       二○一六年十月二十二日


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                                                                宁波银行股份有限公司 2016 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                                                             2016 年 9 月 30 日         2015 年 12 月 31 日
资产
现金及存放中央银行款项                                              79,252,777                 66,189,440
存放同业款项                                                        15,267,489                 14,199,976
贵金属                                                               219,583                    1,540,475
拆出资金                                                            5,652,010                   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                        10,725,549                  7,039,891
衍生金融资产                                                        4,767,604                   3,537,564
买入返售金融资产                                                    6,598,800                  10,980,600
应收利息                                                            2,925,617                   2,765,145
发放贷款和垫款                                                     283,308,791                 248,399,105
可供出售金融资产                                                   293,768,856                 249,257,941
持有至到期投资                                                      36,883,261                 32,671,512
应收款项类投资                                                      89,462,990                 71,231,132
投资性房地产                                                          16,559                      16,559
固定资产                                                            3,342,902                   3,420,258
无形资产                                                             206,180                     244,245
在建工程                                                            1,933,442                   1,598,042
递延所得税资产                                                      1,141,030                    751,245
其他资产                                                            2,215,874                   1,240,380
资产总计                                                           837,689,314                 716,464,653
负债及所有者权益
向中央银行借款                                                      1,000,000                   1,700,000
同业及其他金融机构存放款项                                          59,706,152                 68,632,509
拆入资金                                                            28,004,080                 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                        11,919,474                   182,682
衍生金融负债                                                        3,918,912                   3,355,296
卖出回购金融资产款                                                  53,915,363                 46,497,690
吸收存款                                                           488,772,627                 355,685,634
应付职工薪酬                                                        1,618,492                   1,495,977
应交税费                                                            1,119,684                    899,812
应付利息                                                            6,637,687                   6,195,876
应付债券                                                           120,486,866                 144,056,767
递延所得税负债                                                          12                       6,122
其他负债                                                            10,224,794                 22,458,362
负债合计                                                           787,324,143                 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                                                        1,982,046                   1,312,883
盈余公积                                                            3,181,124                   3,181,124
一般风险准备                                                        6,580,272                   5,055,801
未分配利润                                                          19,842,918                 16,778,919
归属于母公司股东的权益                                              50,259,081                 45,001,448
少数股东权益                                                         106,090                      95,871
股东权益合计                                                        50,365,171                 45,097,319
负债和股东权益总计                                                 837,689,314                 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                                                              2016 年 9 月 30 日         2015 年 12 月 31 日
资产
现金及存放中央银行款项                                               79,254,583                 66,189,347
存放同业款项                                                         15,247,246                 14,148,384
贵金属                                                                219,583                    1,540,475
拆出资金                                                             5,652,010                   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                         10,476,941                  6,684,535
衍生金融资产                                                         4,767,604                   3,537,564
买入返售金融资产                                                     6,658,800                  12,786,000
应收利息                                                             2,854,537                   2,733,908
发放贷款和垫款                                                      272,360,613                 242,298,929
可供出售金融资产                                                    293,741,127                 249,021,965
持有至到期投资                                                       36,883,261                 32,671,512
应收款项类投资                                                       89,462,990                 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                                                             3,335,692                   3,413,375
无形资产                                                              201,078                     238,625
在建工程                                                             1,932,611                   1,596,450
递延所得税资产                                                       1,140,392                    751,245
其他资产                                                             2,179,950                   1,197,278
资产总计                                                            827,520,577                 712,598,426
负债及所有者权益
向中央银行借款                                                       1,000,000                   1,700,000
同业及其他金融机构存放款项                                           59,741,695                 68,692,497
拆入资金                                                             19,127,081                 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                         11,919,474                    53,455
衍生金融负债                                                         3,918,912                   3,355,296
卖出回购金融资产款                                                   53,915,363                 46,466,690
吸收存款                                                            490,155,307                 356,552,819
应付职工薪酬                                                         1,596,196                   1,449,093
应交税费                                                             1,105,903                    875,472
应付利息                                                             6,602,543                   6,190,640
应付债券                                                            120,486,866                 144,056,767
其他负债                                                             7,884,595                  20,769,914
负债合计                                                            777,453,935                 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                                                         1,981,504                   1,303,830
盈余公积                                                             3,181,124                   3,181,124
一般风险准备                                                         6,571,482                   5,053,309
未分配利润                                                           19,658,383                 16,710,764
股东权益合计                                                         50,066,642                 44,923,176
负债和股东权益总计                                                  827,520,577                 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                      2016 年 7-9 月   2015 年 7-9 月   2016 年 1-9 月   2015 年 1-9 月
一、营业收入                                      5,893,773       5,116,838        17,939,821       14,124,299
   利息净收入                                     4,284,461       4,038,090        12,903,285       11,636,164
       利息收入                                   8,560,083       8,125,967        25,338,871       23,805,729
       利息支出                                  (4,275,622)     (4,087,877)      (12,435,586)     (12,169,565)
   手续费及佣金净收入                             1,561,812       1,162,691        4,690,068        2,905,747
       手续费及佣金收入                           1,792,389       1,280,319        5,191,337        3,218,662
       手续费及佣金支出                           (230,577)       (117,628)        (501,269)        (312,915)
   投资收益(损失以“-”填列)                      (229,103)        (74,856)          420,453        (145,185)
   公允价值变动收益(损失以“-”填列)              (12,111)          322,787          250,641          225,263
   汇兑收益(损失以“-”填列)                       279,938        (341,347)        (344,866)        (522,456)
   其他业务收入                                     8,776            9,473           20,240           24,766
二、营业支出及损失                               (3,240,404)     (2,925,621)      (10,342,119)     (7,495,546)
       营业税费                                   (47,321)        (271,059)        (492,524)        (777,481)
       业务及管理费                              (1,952,068)     (1,582,889)      (5,887,648)      (4,291,672)
       资产减值损失                              (1,241,006)     (1,066,099)      (3,958,206)      (2,414,323)
       其他业务成本                                  (9)            (5,574)          (3,741)         (12,070)
三、营业利润                                      2,653,369       2,191,217        7,597,702        6,628,753
       加:营业外收入                               2,516            5,795           18,866           14,592
       减:营业外支出                             (13,447)          (8,319)         (24,459)         (17,749)
四、利润总额                                      2,642,438       2,188,693        7,592,109        6,625,596
       减:所得税                                 (434,708)       (412,042)       (1,238,593)      (1,281,495)
五、净利润                                        2,207,730       1,776,651        6,353,516        5,344,101
   其中:归属于母公司股东的净利润                 2,204,525       1,768,819        6,343,378        5,320,519
               少数股东损益                         3,205            7,832           10,138           23,582
六、其他综合收益的税后净额                         749,944          63,803           669,243          436,318
   归属于母公司股东的其他综合收益的税后净额        749,455          63,879           669,162          436,428
       以后将重分类进损益的其他综合收益            749,455          63,879           669,162          436,428
             可供出售金融资产公允价值变动          749,455          63,879           669,162          436,428
   归属于少数股东的其他综合收益的税后净额            489             (76)               81             (110)
七、综合收益总额                                  2,957,674       1,840,454         7,022,759       5,780,419
   其中:归属于母公司所有者的综合收益总额         2,953,980       1,832,698         7,012,540       5,756,947
         归属于少数股东的综合收益总额               3,694            7,756            10,219          23,472
八、每股收益:
   (一)基本每股收益                               0.57             0.48             1.63             1.36
   (二)稀释每股收益                               0.57             0.48             1.63             1.36




   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                      2016 年 7-9 月   2015 年 7-9 月   2016 年 1-9 月     2015 年 1-9 月
一、营业收入                                    5,768,213        5,016,932        17,596,882        13,932,774
   利息净收入                                   4,231,799        4,013,166        12,762,923        11,607,674
       利息收入                                 8,442,780        8,100,724        25,046,453        23,777,273
       利息支出                                (4,210,981)      (4,087,558)      (12,283,530)      (12,169,599)
   手续费及佣金净收入                           1,490,901        1,082,293        4,473,608          2,794,863
       手续费及佣金收入                         1,720,670        1,199,920        4,974,068          3,107,777
       手续费及佣金支出                         (229,769)        (117,627)        (500,460)          (312,914)
   投资收益(损失以“-”填列)                    (230,265)         (79,119)         418,734           (204,336)
   公允价值变动收益(损失以“-”填列)             (12,868)         332,701          266,513            232,865
   汇兑收益(损失以“-”填列)                      279,870        (341,582)        (345,136)          (522,938)
   其他业务收入                                    8,776           9,473           20,240             24,646
二、营业支出及损失                             (3,174,312)      (2,849,257)      (10,173,020)       (7,380,825)
       营业税费                                  (46,634)        (259,345)        (477,900)          (762,540)
       业务及管理费                            (1,928,644)      (1,542,017)      (5,818,988)        (4,227,420)
       资产减值损失                            (1,199,025)      (1,042,322)      (3,872,391)        (2,378,796)
       其他业务成本                                 (9)           (5,573)          (3,741)           (12,069)
三、营业利润                                    2,593,901        2,167,675        7,423,862          6,551,949
       加:营业外收入                              2,494           5,795           16,017             14,592
       减:营业外支出                            (13,382)         (8,158)          (24,029)          (17,571)
四、利润总额                                    2,583,013        2,165,312        7,415,850          6,548,970
       减:所得税                               (420,048)        (404,398)       (1,195,154)        (1,258,504)
五、净利润                                      2,162,965        1,760,914        6,220,696          5,290,466
六、其他综合收益的税后净额                        748,436          64,034          677,676            436,654
       以后将重分类进损益的其他综合收益           748,436          64,034          677,676            436,654
             可供出售金融资产公允价值变动         748,436          64,034          677,676            436,654
七、综合收益总额                                2,911,401        1,824,948        6,898,372          5,727,120




      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                            2016 年 1-9 月             2015 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                                 124,651,871                31,668,168
存放中央银行和同业款项净减少额                                      0                     4,022,715
向其他金融机构拆入资金净增加额                                 12,831,462                      0
收取利息、手续费及佣金的现金                                   17,577,836                 16,500,906
收到其他与经营活动有关的现金                                   16,182,345                 3,161,043
   经营活动现金流入小计                                        171,243,514                55,352,832
客户贷款及垫款净增加额                                         38,351,431                 31,720,767
存放中央银行和同业款项净增加额                                 11,259,455                      0
向中央银行借款净减少额                                           700,000                       0
向其他金融机构拆入资金净减少额                                      0                     1,328,498
支付利息、手续费及佣金的现金                                   12,468,101                 11,968,822
支付给职工及为职工支付的现金                                    3,420,034                 2,529,778
支付的各项税费                                                  1,973,887                 2,164,628
支付其他与经营活动有关的现金                                   17,627,563                 10,547,542
   经营活动现金流出小计                                        85,800,471                 60,260,035
   经营活动产生的现金流量净额                                  85,443,043                (4,907,203)
二、投资活动产生的现金流量:
收回投资所收到的现金                                           207,642,635                  469,700
取得投资收益收到的现金                                         12,822,367                 11,145,807
收到其他与投资活动有关的现金                                       245                        377
   投资活动现金流入小计                                        220,465,247                11,615,884
投资支付的现金                                                 276,211,863               102,740,679
购建固定资产、无形资产和其他长期资产所支付的现金                 545,952                    701,698
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                                        276,757,815               103,442,377
   投资活动产生的现金流量净额                                 (56,292,568)               (91,826,493)
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                                                  0                     78,210,000
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                                             0                     78,210,000
偿还债务支付的现金                                             24,300,000
分配股利、利润或偿付利息支付的现金                              2,905,807                 1,851,323
偿还债务支付的现金                                                  0                          0
   筹资活动现金流出小计                                        27,205,807                 1,851,323
   筹资活动产生的现金流量净额                                 (27,205,807)                76,358,677
四、汇率变动对现金的影响                                         98,931                     61,256
五、现金及现金等价物净增加额                                    2,043,599                (20,313,763)
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                                   28,977,121                 25,356,254


   法定代表人:陆华裕          行长:罗孟波    主管会计工作的负责人:罗维开       会计机构负责人:孙洪波

                                                    15
                                                                宁波银行股份有限公司 2016 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                            2016 年 1-9 月             2015 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                                124,651,686                 31,668,030
存放中央银行和同业款项净减少额                                      0                     4,022,715
向其他金融机构拆入资金净增加额                                 6,855,462                       0
收取利息、手续费及佣金的现金                                   17,078,550                 16,220,472
收到其他与经营活动有关的现金                                   15,756,511                 3,120,391
   经营活动现金流入小计                                       164,342,209                 55,031,608
客户贷款及垫款净增加额                                         32,511,485                 28,185,767
存放中央银行和同业款项净增加额                                 9,786,455                       0
向中央银行借款净减少额                                           700,000                       0
向其他金融机构拆入资金净减少额                                      0                     1,328,498
支付利息、手续费及佣金的现金                                   12,372,088                 11,973,689
支付给职工及为职工支付的现金                                   3,364,377                  2,501,767
支付的各项税费                                                 1,873,997                  2,140,653
支付其他与经营活动有关的现金                                   19,098,965                 12,974,793
   经营活动现金流出小计                                        79,707,367                 59,105,167
   经营活动产生的现金流量净额                                  84,634,842                (4,073,559)
二、投资活动产生的现金流量:
收回投资所收到的现金                                          207,642,635                   444,760
取得投资收益收到的现金                                         12,822,367                 11,145,807
收到其他与投资活动有关的现金                                       242                        377
   投资活动现金流入小计                                       220,465,244                 11,590,944
投资支付的现金                                                277,211,863                103,664,539
购建固定资产、无形资产和其他长期资产所支付的现金                 541,885                    697,972
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                                       277,753,748                104,362,511
   投资活动产生的现金流量净额                                 (57,288,504)               (92,771,567)
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                                                  0                     78,210,000
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                                             0                     78,210,000
偿还债务支付的现金                                             24,300,000                      0
分配股利、利润或偿付利息支付的现金                             2,905,807                  1,851,323
偿还债务支付的现金                                                  0                          0
   筹资活动现金流出小计                                        27,205,807                 1,851,323
   筹资活动产生的现金流量净额                                 (27,205,807)                76,358,677
四、汇率变动对现金的影响                                         98,677                     60,894
五、现金及现金等价物净增加额                                     239,208                 (20,425,555)
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                                   28,967,962                 25,157,365


   法定代表人:陆华裕          行长:罗孟波   主管会计工作的负责人:罗维开        会计机构负责人:孙洪波

                                                     16