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宁波银行(002142)公告正文

宁波银行:2017年第一季度报告全文

公告日期:2017-04-28

                        宁波银行股份有限公司 2017 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)




   2017 年第一季度报告




         2017 年 4 月




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                                                                   宁波银行股份有限公司 2017 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 2017 年 4 月 27 日召开了宁波银行股份有限公司第六届董事会 2017 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 2017 年第一季度报告>的议案》。


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

基金管理有限公司、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、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。

                                                   2017 年 1-3 月       2016 年 1-3 月      比上年同期增减
营业收入(千元)                                       6,433,416          6,075,851              5.89%
归属于上市公司股东的净利润(千元)                     2,359,215          2,030,235              16.20%
归属于上市公司股东的扣除非经常性损益的净利润(千
元)                                                   2,369,867          2,032,033              16.63%
经营活动产生的现金流量净额(千元)                  11,718,653            81,272,721            (83.47%)



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                                                                          宁波银行股份有限公司 2017 年第一季度报告全文

基本每股收益(元/股)                                           0.60                  0.52                   16.20%
稀释每股收益(元/股)                                           0.60                  0.52                   16.20%
扣除非经常性损益后的基本每股收益(元/股)                       0.61                  0.52                   16.63%
加权平均净资产收益率(%)(未年化)                             5.12%                 4.92%             增加 0.20 个百分点
扣除非经常性损益后的加权平均净资产收益率(%)(未
年化)                                                          5.14%                 4.92%             增加 0.22 个百分点
全面摊薄净资产收益率(%)(未年化)                             5.04%                 4.79%             增加 0.25 个百分点
扣除非经常性损益后的全面摊薄净资产收益率(%)(未
年化)                                                          5.07%                 4.79%             增加 0.28 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、相关指标根据《公开发行证券的公司信息披露编报规则第 13 号——季度报告内容与格式特别规定(2014 年修订)》
的有关要求计算。
       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                  2017 年 3 月 31 日   2016 年 12 月 31 日                        2015 年 12 月 31 日
                                                                                         上年末增减
总资产                                       919,582,710           885,020,411                 3.91%          716,464,653
客户贷款及垫款                               313,667,562           302,506,678                 3.69%          255,688,580
-个人贷款及垫款                              95,102,239            95,877,504                (0.81%)          85,201,948
-公司贷款及垫款                             201,267,126           186,304,796                 8.03%          141,852,708
-票据贴现                                    17,298,197            20,324,378               (14.89%)          28,633,924
贷款损失准备                                  10,616,058               9,718,337               9.24%           7,289,475
总负债                                       867,874,114           834,634,298                 3.98%          671,367,334
客户存款                                     541,084,882           511,404,984                 5.80%          355,685,634
 -个人存款                                   116,125,694           100,284,157                15.80%           80,838,882
 -公司存款                                   424,959,188           411,120,827                 3.37%          274,846,752
同业拆入                                      46,741,367            34,832,834                34.19%           20,200,607
股本                                          3,899,794                3,899,794               0.00%           3,899,794
股东权益                                      51,708,596            50,386,113                 2.62%           45,097,319
其中:归属于母公司股东的权益                  51,610,937            50,278,002                 2.65%           45,001,448
          归属于母公司普通股股东的权益       46,786,246            45,453,312                 2.93%            40,176,757
归属于母公司普通股股东的每股净资产                                                                               10.30
                                                12.00                    11.66                 2.93%
(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,2017 年 3 月 31 日存款总额为 5,999.27 亿元,比年初增加 354.44 亿元,增幅
为 6.28%;贷款总额为 3,185.35 亿元,比年初增加 97.05 亿元,增幅为 3.14%。


       (二)非经常性损益项目及金额




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                                                                    宁波银行股份有限公司 2017 年第一季度报告全文

                                                                                                 单位:人民币千元
                                   非经常性损益项目                                          2017 年 1-3 月金额
1、非流动性资产处置损益                                                                               (4)
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                                                          (11,449)
合计对利润总额的影响                                                                             (11,453)
所得税影响额                                                                                          801
                                           合计                                                  (10,652)
    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》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      2017 年      2016 年       2015 年         2014 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       12.15        12.25         13.29           12.40
根据《商业银行资本管理
                           一级资本充足率(%)          ≥8.5        9.46          9.46         10.12           10.07
   办法(试行)》
                           核心一级资本充足率(%)      ≥7.5        8.57          8.55          9.03           10.07
流动性比率(本外币)(%)                                 ≥25         50.15        44.95         42.44           54.61
流动性覆盖率(%)                                       ≥80         91.75        83.80         100.34          101.48
存贷款比例(本外币)(%)                                             52.80         53.68         63.73           64.12
不良贷款比率(%)                                       ≤5          0.91          0.91          0.92            0.89
拨备覆盖率(%)                                         ≥150       372.62        351.42        308.67          285.17
贷款拨备率(%)                                                      3.38          3.21          2.85            2.53
单一最大客户贷款比例(%)                               ≤10         1.87          1.72          2.07            2.56
最大十家单一客户贷款比例(%)                           ≤50         13.90        13.23         12.57           12.70
单一最大集团客户授信比例(%)                           ≤15         1.90          1.90          4.36            4.40
                          正常类贷款迁徙率                         0.31          1.95          3.38            4.50
正常贷款迁徙率(%)
                          关注类贷款迁徙率                         27.24        45.09         34.77           42.56
                          次级类贷款迁徙率                         15.60        53.20         64.06           54.99
不良贷款迁徙率(%)
                          可疑类贷款迁徙率                         5.65         25.90         18.81           49.65
总资产收益率(%)(年化)                                            1.05          0.98          1.03            1.11
成本收入比(%)                                                      29.90        34.26         34.03           32.07
资产负债率(%)                                                      94.38        94.31         93.71           93.83
净利差(%)                                                          2.08          1.95          2.40            2.50
净息差(%)                                                          2.14          1.95          2.38            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。




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                                                                                 宁波银行股份有限公司 2017 年第一季度报告全文

     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。


    (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
                                               2017 年 3 月 31 日                                   2016 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                     46,550,589              45,134,778                    45,201,969               43,849,778
一级资本净额                         51,375,281              49,959,469                    50,026,660               48,674,469
总资本净额                           65,984,639              64,394,111                    64,783,567               63,269,098
风险加权资产合计                    542,953,775             528,188,890                   528,644,875               514,863,021
核心一级资本充足率                     8.57%                    8.55%                        8.55%                     8.52%
一级资本充足率                         9.46%                    9.46%                        9.46%                     9.45%
资本充足率                             12.15%                  12.19%                       12.25%                    12.29%
    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               2017 年 3 月 31 日       2016 年 12 月 31 日           2016 年 9 月 30 日      2016 年 6 月 30 日
杠杆率                                    5.01%                       5.08%                      5.27%                     5.21%
一级资本净额                           51,375,281                   50,026,660                50,090,145              48,877,567
调整后表内外资产余额                  1,025,824,626             984,943,800                  949,828,882             938,758,441



    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
                            2017 年 3 月 31 日                 2016 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                                  占比               数额增减         占比(百分点)
                           金额                               金额
非不良贷款小计:        310,818,531        99.09%         299,741,209            99.09%              11,077,322              0.01
         正常           307,796,629        98.13%         295,710,612            97.75%              12,086,017              0.37
         关注           3,021,902          0.96%           4,030,597              1.33%             (1,008,695)             (0.37)
 不良贷款小计:         2,849,031          0.91%           2,765,469              0.91%               83,562                (0.01)
         次级           1,681,751          0.54%           1,551,499              0.51%               130,252                0.02
         可疑            996,774           0.32%            885,237               0.29%               111,537                0.03
         损失            170,506           0.05%            328,733               0.11%              (158,227)              (0.05)
  客户贷款合计          313,667,562       100.00%         302,506,678            100.00%             11,160,884              0.00



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                                                                       宁波银行股份有限公司 2017 年第一季度报告全文


    (六)贷款损失准备计提和核销的情况

                                                                                                            单位:人民币千元
                           项目                                     2017 年 3 月 31 日               2016 年 12 月 31 日
期初余额                                                               9,718,337                            7,289,475
本期计提                                                               1,622,715                            5,041,742
本期收回                                                                113,665                              287,704
其中:收回原转销贷款及垫款导致的转回                                    113,665                              287,704
本期核销                                                               (838,659)                           (2,848,794)
已减值贷款利息回拨                                                          -                               (51,790)
期末余额                                                               10,616,058                           9,718,337


    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)                   68,595                                                           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
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           5.47    213,500,000            0           质押      113,900,000
宁波杉杉股份有限公司               境内非国有法人           3.91    152,655,579            0
宁波富邦控股集团有限公司           境内非国有法人           3.38    131,765,269            0           质押      120,820,000
全国社保基金一零一组合            基金、理财产品等          1.70     66,172,021            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                          213,500,000                  人民币普通股                     213,500,000
宁波杉杉股份有限公司                          152,655,579                  人民币普通股                     152,655,579
宁波富邦控股集团有限公司                      131,765,269                  人民币普通股                     131,765,269
全国社保基金一零一组合                         66,172,021                  人民币普通股                     66,172,021




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                                                                     宁波银行股份有限公司 2017 年第一季度报告全文

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。


    (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

    2017年一季度,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“管牢风险、提能增效、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9,195.83亿元,比年初增长3.91%;各项存款5,410.85亿元,比年初增长5.80%;



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                                                                      宁波银行股份有限公司 2017 年第一季度报告全文


各项贷款3,136.68亿元,比年初增长3.69%。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2017年一季度实现营业收入64.33亿元,同比增长5.89%;实现归属于母公司股东的净利润23.59

亿元,同比增长16.20%;实现手续费及佣金净收入16.58亿元,同比增长7.55%,在营业收入中占比达25.77%,

同比上升0.4个百分点。公司大力拓展中间业务,投行、托管、资产管理、电子银行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

    2017年一季度,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%,与年初持平;拨贷比3.38%,比年初提

高了0.17个百分点;拨备覆盖率372.62%,比年初提高了21.2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12.15%;

一级资本充足率和核心一级资本充足率分别为9.46%和8.57%。




                                                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             2017 年 1-3 月       2016 年 1-3 月       比上年同期增减             主要原因
      投资收益             (149,476)              424,500             (135.21%)        可供出售债券买卖差价亏损
      汇兑收益              474,089               (25,363)           上年同期为负    市场汇率波动对汇兑损益的影响
     税金及附加              24,866               319,467              (92.22%)            营改增政策的影响
                                                                                                 单位:人民币千元
        项目             2017 年 3 月 31 日   2016 年 12 月 31 日     比年初增减               主要原因
     存放同业款项          22,891,944            17,027,924             34.44%           存放境内银行款项增加
以公允价值计量且其变动
计入当期损益的金融资产     62,150,297             8,276,310             650.94%          货币基金投资规模增加



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                                                                       宁波银行股份有限公司 2017 年第一季度报告全文

   买入返售金融资产           11,399,500        19,731,604              (42.23%)                     买入返售债券减少
    递延所得税资产            1,795,667            1,166,125             53.99%                     递延所得税资产增加
         拆入资金             46,741,367        34,832,834               34.19%                    境内银行拆入资金增加
以公允价值计量且其变动
计入当期损益的金融负债        4,247,464            6,230,918            (31.83%)                    贵金属(空头)减少
       应付职工薪酬             692,467            1,863,053            (62.83%)                     一季度年终奖发放
       其他综合收益           (270,859)             757,027            (135.78%)               可供出售债券公允价值减少


       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 2017 年 1-6 月经营业绩的预计

                                                                                                             单位:人民币千元
2017 年 1-6 月归属于上市公司股东的净利润变动幅度                                         10%            至                20%

2017 年 1-6 月归属于上市公司股东的净利润变动区间                                4,552,738               至          4,966,624
2016 年 1-6 月归属于上市公司股东的净利润                                                           4,138,853
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 2017 年第一季度报告全文

     五、以公允价值计量的金融资产及负债

                                                                                                     单位:人民币千元
                                             本期公允价值变        计入权益的累计
         项目               期初金额                                                本期计提的减值       期末金额
                                                 动损益            公允价值变动
以公允价值计量且其
变动计入当期损益的
金融资产                    8,276,310               5,295                -               -              62,150,297
衍生金融资产               13,939,542          (3,545,413)               -               -              10,517,055
可供出售金融资产           280,538,469                -              (695,033)        (1,698)           259,811,326
贵金属                       269,586                4,722                -               -                180,688
投资性房地产                 16,598                   -                  -               -                 16,598
金融资产小计               303,040,505         (3,535,396)           (695,033)        (1,698)           332,675,964
以公允价值计量且其
变动计入当期损益的
金融负债                   (6,230,918)          (113,821)                -               -              (4,247,464)
衍生金融负债              (12,164,267)          3,285,523                -               -              (9,018,985)
金融负债小计              (18,395,185)          3,171,702                -               -             (13,266,449)



     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
2017 年 1 月 20 日   公司会议室   实地调研   机构     兴业证券、挪威银行                             2016 年三季度报告
2017 年 1 月 25 日   公司会议室   实地调研   机构     易方达基金                                     2016 年三季度报告
                                                      华泰证券、高毅资产、朱雀投资、云杉资本、 2016 年三季度报告
2017 年 2 月 22 日   公司会议室   实地调研   机构
                                                      正享投资、复星集团、中泰证券、爱建证券等
                                                      招商证券、富国基金、平安资产、大成基金、 2016 年三季度报告
2017 年 3 月 9 日    公司会议室   实地调研   机构
                                                      交银施罗德基金、海富通基金等
                                                      安信证券、东吴证券、平安资产、中金基金、
2017 年 3 月 17 日   公司会议室   实地调研   机构     华夏基金、太平基金、国海富兰克林基金、阳       2016 年三季度报告
                                                      光保险等


                                                                                             宁波银行股份有限公司

                                                                                                     董事长:陆华裕

                                                                                         二○一七年四月二十七日


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                                                                宁波银行股份有限公司 2017 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                                                             2017 年 3 月 31 日         2016 年 12 月 31 日
资产
现金及存放中央银行款项                                              81,837,662                 93,376,715
存放同业款项                                                        22,891,944                 17,027,924
贵金属                                                               180,688                     269,586
拆出资金                                                            5,122,132                   6,702,519
以公允价值计量且其变动计入当期损益的金融资产                        62,150,297                  8,276,310
衍生金融资产                                                        10,517,055                 13,939,542
买入返售金融资产                                                    11,399,500                 19,731,604
应收利息                                                            4,104,499                   3,963,301
发放贷款和垫款                                                     303,051,504                 292,788,341
可供出售金融资产                                                   259,824,576                 280,551,719
持有至到期投资                                                      41,118,397                 39,370,701
应收款项类投资                                                     106,126,742                 99,576,315
投资性房地产                                                          16,598                      16,598
固定资产                                                            3,458,389                   3,517,820
无形资产                                                             272,460                     287,903
在建工程                                                            2,380,154                   2,241,204
递延所得税资产                                                      1,795,667                   1,166,125
其他资产                                                            3,334,446                   2,216,184
资产总计                                                           919,582,710                 885,020,411
负债及所有者权益
向中央银行借款                                                      27,500,000                 26,000,000
同业及其他金融机构存放款项                                          34,725,643                 44,584,064
拆入资金                                                            46,741,367                 34,832,834
以公允价值计量且其变动计入当期损益的金融负债                        4,247,464                   6,230,918
衍生金融负债                                                        9,018,985                  12,164,267
卖出回购金融资产款                                                  48,181,162                 62,451,215
吸收存款                                                           541,084,882                 511,404,984
应付职工薪酬                                                         692,467                    1,863,053
应交税费                                                            1,543,528                   1,260,189
应付利息                                                            7,955,958                   7,160,302
应付债券                                                           137,022,190                 112,984,659
递延所得税负债                                                           0                          0
其他负债                                                            9,160,468                  13,697,813
负债合计                                                           867,874,114                 834,634,298
股本                                                                3,899,794                   3,899,794
其他权益工具                                                        4,824,691                   4,824,691
资本公积                                                            9,949,842                   9,948,236
其他综合收益                                                        (270,859)                    757,027
盈余公积                                                            3,946,749                   3,946,749
一般风险准备                                                        6,688,230                   6,686,969
未分配利润                                                          22,572,490                 20,214,536
归属于母公司股东的权益                                              51,610,937                 50,278,002
少数股东权益                                                          97,659                     108,111
股东权益合计                                                        51,708,596                 50,386,113
负债和股东权益总计                                                 919,582,710                 885,020,411
   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 2017 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                                                              2017 年 3 月 31 日         2016 年 12 月 31 日
资产
现金及存放中央银行款项                                               81,837,662                 93,376,646
存放同业款项                                                         22,891,871                 16,983,326
贵金属                                                                180,688                     269,586
拆出资金                                                             5,154,132                   6,722,519
以公允价值计量且其变动计入当期损益的金融资产                         61,891,063                  7,922,044
衍生金融资产                                                         10,517,055                 13,939,542
买入返售金融资产                                                     11,399,500                 19,636,900
应收利息                                                             3,977,312                   3,857,450
发放贷款和垫款                                                      289,311,583                 280,281,558
可供出售金融资产                                                    259,797,838                 280,529,369
持有至到期投资                                                       41,118,397                 39,370,701
应收款项类投资                                                      106,126,742                 99,576,315
长期股权投资                                                         1,146,770                   1,135,000
投资性房地产                                                           16,598                      16,598
固定资产                                                             3,451,442                   3,510,403
无形资产                                                              264,738                     281,520
在建工程                                                             2,378,329                   2,239,616
递延所得税资产                                                       1,765,005                   1,137,609
其他资产                                                             3,281,617                   2,129,943
资产总计                                                            906,508,342                 872,916,645
负债及所有者权益
向中央银行借款                                                       27,500,000                 26,000,000
同业及其他金融机构存放款项                                           34,784,028                 44,641,118
拆入资金                                                             34,674,369                 24,336,834
以公允价值计量且其变动计入当期损益的金融负债                         4,247,464                   5,969,934
衍生金融负债                                                         9,018,985                  12,164,267
卖出回购金融资产款                                                   48,181,162                 62,451,215
吸收存款                                                            542,647,382                 512,975,692
应付职工薪酬                                                          678,835                    1,831,088
应交税费                                                             1,489,032                   1,226,065
应付利息                                                             7,863,933                   7,109,308
应付债券                                                            137,022,190                 112,984,659
其他负债                                                             7,066,786                  11,172,042
负债合计                                                            855,174,166                 822,862,222
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                                                         (271,815)                    756,836
盈余公积                                                             3,946,749                   3,946,749
一般风险准备                                                         6,571,482                   6,571,482
未分配利润                                                           22,413,611                 20,105,207
股东权益合计                                                         51,334,176                 50,054,423
负债和股东权益总计                                                  906,508,342                 872,916,645


   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 2017 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                                2017 年 1-3 月          2016 年 1-3 月
一、营业收入                                                            6,433,416               6,075,851
    利息净收入                                                          4,805,944               4,464,306
       利息收入                                                         9,257,793               8,533,897
       利息支出                                                        (4,451,849)             (4,069,591)
    手续费及佣金净收入                                                  1,657,900               1,541,563
       手续费及佣金收入                                                 1,782,529               1,712,409
       手续费及佣金支出                                                 (124,629)               (170,846)
    投资收益(损失以“-”填列)                                           (149,476)                424,500
    公允价值变动收益(损失以“-”填列)                                   (363,694)               (335,291)
    汇兑收益(损失以“-”填列)                                            474,089                (25,363)
    其他业务收入                                                          8,653                   6,136
二、营业支出及损失                                                     (3,573,258)             (3,658,667)
       营业税费                                                          (24,866)               (319,467)
       业务及管理费                                                    (1,923,869)             (1,914,864)
       资产减值损失                                                    (1,622,715)             (1,422,808)
       其他业务成本                                                      (1,808)                 (1,528)
三、营业利润                                                            2,860,158               2,417,184
       加:营业外收入                                                     1,015                   6,192
       减:营业外支出                                                    (12,469)                (6,048)
四、利润总额                                                            2,848,704               2,417,328
       减:所得税                                                       (486,842)               (383,463)
五、净利润                                                              2,361,862               2,033,865
   其中:归属于母公司股东的净利润                                       2,359,215               2,030,235
                少数股东损益                                              2,647                   3,630
六、其他综合收益的税后净额                                             (1,040,985)               201,922
   归属于母公司股东的其他综合收益的税后净额                            (1,027,886)               201,003
       以后将重分类进损益的其他综合收益                                (1,027,886)               201,003
             可供出售金融资产公允价值变动                              (1,027,886)               201,003
   归属于少数股东的其他综合收益的税后净额                                (13,099)                  919
七、综合收益总额                                                        1,320,877               2,235,787
    其中:归属于母公司所有者的综合收益总额                              1,331,329               2,231,238
             归属于少数股东的综合收益总额                                (10,452)                 4,549
八、每股收益:
   (一)基本每股收益                                                      0.60                   0.52
   (二)稀释每股收益                                                      0.60                   0.52




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




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                                                              宁波银行股份有限公司 2017 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                                2017 年 1-3 月            2016 年 1-3 月
一、营业收入                                                      6,313,024                 5,970,961
    利息净收入                                                    4,764,279                 4,419,795
       利息收入                                                   9,117,373                 8,452,787
       利息支出                                                  (4,353,094)               (4,032,992)
    手续费及佣金净收入                                            1,580,048                 1,468,206
       手续费及佣金收入                                           1,703,354                 1,639,051
       手续费及佣金支出                                           (123,306)                 (170,845)
    投资收益(损失以“-”填列)                                     (159,006)                  423,020
    公允价值变动收益(损失以“-”填列)                             (355,095)                 (320,878)
    汇兑收益(损失以“-”填列)                                      474,144                   (25,318)
    其他业务收入                                                    8,654                     6,136
二、营业支出及损失                                               (3,523,501)               (3,601,406)
       营业税费                                                    (23,408)                 (310,138)
       业务及管理费                                              (1,898,308)               (1,894,639)
       资产减值损失                                              (1,599,977)               (1,395,101)
       其他业务成本                                                (1,808)                   (1,528)
三、营业利润                                                      2,789,523                 2,369,555
       加:营业外收入                                               1,015                     3,425
       减:营业外支出                                              (12,469)                  (5,822)
四、利润总额                                                      2,778,069                 2,367,158
       减:所得税                                                 (469,665)                 (371,150)
五、净利润                                                        2,308,404                 1,996,008
六、其他综合收益的税后净额                                       (1,028,651)                 207,776
        以后将重分类进损益的其他综合收益                         (1,028,651)                 207,776
             可供出售金融资产公允价值变动                        (1,028,651)                 207,776
七、综合收益总额                                                  1,279,753                 2,203,784




      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 2017 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                            2017 年 1-3 月             2016 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                                 19,814,675                 104,857,978
向中央银行借款净增加额                                          1,500,000                  4,000,000
向中央银行借款净增加额                                           455,645                       0
存放中央银行和同业款项净减少额
向中央银行借款净增加额                                          8,958,769                  6,625,626
向其他金融机构拆入资金净增加额
向中央银行借款净增加额                                          6,206,899                  5,971,060
收取利息、手续费及佣金的现金
收到其他与经营活动有关的现金                                     119,321                   4,580,210
    经营活动现金流入小计                                       37,055,309                 126,034,874
客户贷款及垫款净增加额                                         11,766,393                 17,881,420
存放中央银行和同业款项净增加额                                      0                      3,082,645
向其他金融机构拆入资金净减少额                                      0                          0
支付利息、手续费及佣金的现金                                    3,738,326                  3,504,723
支付给职工及为职工支付的现金                                    2,356,569                  1,843,112
支付的各项税费                                                   496,039                    366,161
支付其他与经营活动有关的现金                                    6,979,329                 18,084,092
    经营活动现金流出小计                                       25,336,656                 44,762,153
    经营活动产生的现金流量净额                                 11,718,653                 81,272,721
二、投资活动产生的现金流量:
收回投资所收到的现金                                           77,367,787                 62,599,406
取得投资收益收到的现金                                          4,621,515                  4,334,398
收到其他与投资活动有关的现金                                        0                       82,397
    投资活动现金流入小计                                       81,989,302                 67,016,201
投资支付的现金                                                 119,836,036                126,856,306
购建固定资产、无形资产和其他长期资产所支付的现金                 172,119                    194,866
支付其他与投资活动有关的现金                                       134                         0
    投资活动现金流出小计                                       120,008,289                127,051,172
    投资活动产生的现金流量净额                                (38,018,987)               (60,034,971)
三、筹资活动产生的现金流量:
吸收投资收到的现金                                               199,998                       0
发行债券收到的现金                                             24,899,000                (10,360,000)
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                                       25,098,998                (10,360,000)
偿还债务支付的现金                                                  0                          0
分配股利、利润或偿付利息支付的现金                                  0                          0
支付其他与筹资活动有关的现金                                        0                          0
    筹资活动现金流出小计                                            0                          0
    筹资活动产生的现金流量净额                                 25,098,998                (10,360,000)
四、汇率变动对现金的影响                                        (39,100)                   (22,252)
五、现金及现金等价物净增加额                                   (1,240,436)                10,855,498
加:期初现金及现金等价物余额                                   51,735,868                 26,933,522
六、期末现金及现金等价物余额                                   50,495,432                 37,789,020


   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 2017 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                            2017 年 1-3 月             2016 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                                 19,814,600                 104,857,916
向中央银行借款净增加额                                          1,500,000                  4,000,000
存放中央银行和同业款项净减少额                                   395,645                       0
向其他金融机构拆入资金净增加额                                  7,587,769                  4,318,626
收取利息、手续费及佣金的现金                                    6,079,348                  5,772,672
收到其他与经营活动有关的现金                                     119,321                   5,517,860
    经营活动现金流入小计                                       35,496,683                 124,467,074
客户贷款及垫款净增加额                                          9,905,008                 15,750,458
存放中央银行和同业款项净增加额                                      0                      3,241,645
向其他金融机构拆入资金净减少额                                      0                          0
支付利息、手续费及佣金的现金                                    3,721,775                  3,489,597
支付给职工及为职工支付的现金                                    2,325,372                  1,807,612
支付的各项税费                                                   476,749                    315,567
支付其他与经营活动有关的现金                                    7,211,881                 20,576,032
    经营活动现金流出小计                                       23,640,785                 45,180,911
    经营活动产生的现金流量净额                                 11,855,898                 79,286,163
二、投资活动产生的现金流量:
收回投资所收到的现金                                           77,367,787                 62,599,406
取得投资收益收到的现金                                          4,621,515                  4,334,398
收到其他与投资活动有关的现金                                        0                       82,394
    投资活动现金流入小计                                       81,989,302                 67,016,198
投资支付的现金                                                 120,836,036                127,856,306
购建固定资产、无形资产和其他长期资产所支付的现金                 172,038                    193,566
支付其他与投资活动有关的现金                                       134                         0
    投资活动现金流出小计                                       121,008,208                128,049,872
    投资活动产生的现金流量净额                                (39,018,906)               (61,033,674)
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                                             24,880,000                (10,360,000)
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                                       24,880,000                (10,360,000)
偿还债务支付的现金                                                  0                          0
分配股利、利润或偿付利息支付的现金                                  0                          0
支付其他与筹资活动有关的现金                                        0                          0
    筹资活动现金流出小计                                            0                          0
    筹资活动产生的现金流量净额                                 24,880,000                (10,360,000)
四、汇率变动对现金的影响                                        (39,045)                   (22,191)
五、现金及现金等价物净增加额                                   (2,322,053)                 7,870,298
加:期初现金及现金等价物余额                                   51,748,830                 28,728,754
六、期末现金及现金等价物余额                                   49,426,777                 36,599,052


   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