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2019年09月15日 星期天

宁波银行(002142)公告正文

宁波银行:2017年第三季度报告正文

公告日期:2017-10-27

                                                                    宁波银行股份有限公司 2017 年第三季度报告正文


证券代码:002142                               证券简称:宁波银行                               公告编号:2017-044
优先股代码:140001                                                                         优先股简称:宁行优 01




          宁波银行股份有限公司 2017 年第三季度报告正文


                                              第一节 重要提示


    公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整,不存在虚
假记载、误导性陈述或者重大遗漏,并承担个别和连带的法律责任。

    没有董事、监事、高级管理人员对本报告内容的真实性、准确性、完整性无法保证或存在异议。

    公司于 2017 年 10 月 25 日召开了宁波银行股份有限公司第六届董事会 2017 年第四次临时会议,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。

                                          2017 年 7-9 月   比上年同期增减      2017 年 1-9 月     比上年同期增减
营业收入(千元)                           6,258,795           6.19%            18,574,792            3.54%
归属于上市公司股东的净利润(千元)         2,602,374           18.05%            7,367,864            16.15%
归属于上市公司股东的扣除非经常性损益的
                                           2,612,939           18.09%            7,386,504            16.37%
净利润(千元)
经营活动产生的现金流量净额(千元)           不适用            不适用          (19,461,923)             -
每股经营活动产生的现金流量净额(元/股)      不适用            不适用             (3.84)                -
基本每股收益(元/股)                         0.51             15.91%               1.45              16.00%

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                                                                        宁波银行股份有限公司 2017 年第三季度报告正文

稀释每股收益(元/股)                            0.51                15.91%              1.45             16.00%
扣除非经常性损益后的基本每股收益(元/
                                                 0.52                18.18%              1.46             16.80%
股)
加权平均净资产收益率(%)(年化)               21.64%          提高 1.68 个百分点      20.75%       提高 1.03 个百分点
扣除非经常性损益后的加权平均净资产收益
                                                21.72%          提高 1.68 个百分点      20.80%       提高 1.07 个百分点
率(%)(年化)
全面摊薄净资产收益率(%)(年化)               20.68%          提高 1.28 个百分点      20.01%       提高 1.40 个百分点
扣除非经常性损益后的全面摊薄净资产收益
                                                20.76%          提高 1.28 个百分点      20.05%       提高 1.43 个百分点
率(%)(年化)
    注:1、根据《公开发行证券的公司信息披露编报规则第 9 号——净资产收益率和每股收益的计算及披露》的规定,需
按调整后的股数重新计算各比较期间的每股收益。根据 2017 年 5 月 18 日股东大会批准的 2016 年度利润分配和资本公积转
增股本方案,公司以 2016 年 12 月 31 日总股本 3,899,794,081 股为基数,向股权登记日(2017 年 7 月 10 日)在册的全体股
东每 10 股以资本公积转增 3 股,实施完成后公司总股本为 5,069,732,305 股。上表各比较期的每股收益、每股经营活动产
生的现金流量净额均按调整后的股数重新计算。
       2、营业收入包括利息净收入、手续费及佣金净收入、投资收益、公允价值变动收益、汇兑收益和其他业务收入。
    3、以上数据均为并表口径。


                                                                                                     单位:人民币千元
                                                                                      本报告期末比
                 规模指标                  2017 年 9 月 30 日   2016 年 12 月 31 日                   2015 年 12 月 31 日
                                                                                      上年末增减
总资产                                       953,064,434           885,020,411           7.69%           716,464,653
客户贷款及垫款                               333,090,824           302,506,678           10.11%          255,688,580
-个人贷款及垫款                             103,721,108            95,877,504           8.18%           85,201,948
-公司贷款及垫款                             211,195,713           186,304,796           13.36%          141,852,708
-票据贴现                                    18,174,003            20,324,378          (10.58%)         28,633,924
贷款损失准备                                  12,913,167            9,718,337            32.87%           7,289,475
总负债                                       899,027,936           834,634,298           7.72%           671,367,334
客户存款                                     554,750,413           511,404,984           8.48%           371,373,450
 -个人存款                                   111,622,787           100,284,157           11.31%          82,045,992
 -公司存款                                   443,127,626           411,120,827           7.79%           289,327,458
同业拆入                                      59,353,502            34,832,834           70.40%          20,200,607
股本                                          5,069,732             3,899,794            30.00%           3,899,794
股东权益                                      54,036,498            50,386,113           7.24%           45,097,319
其中:归属于母公司股东的权益                  53,925,816            50,278,002           7.26%           45,001,448
         归属于母公司普通股股东的权益         49,101,125            45,453,311           8.03%           40,176,757
归属于母公司股东的每股净资产(元/股)            9.69                  8.97              8.03%               7.92
    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 9 月 30 日存款总额为 6,480.05 亿元,比年初增加 835.22 亿元,增幅
为 14.80%;贷款总额为 3,353.63 亿元,比年初增加 265.32 亿元,增幅为 8.59%。
       3、2017 年三季度,公司实施 2016 年度利润分配,以资本公积金向全体股东每 10 股转增 3 股,上表各比较期的归属于
母公司股东的每股净资产按调整后的股数重新计算。



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                                                                    宁波银行股份有限公司 2017 年第三季度报告正文


    (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                                         2017 年 1-9 月金额
1、非流动性资产处置损益                                                                            26,933
2、计入当期损益的政府补助                                                                             280
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                                    -
4、除上述各项之外的其他营业外收入和支出                                                          (48,273)
合计对利润总额的影响                                                                             (21,060)
所得税影响额                                                                                       2,420
                                           合计                                                  (18,640)
    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。
    公司报告期内不存在将根据《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    9 月 30 日   12 月 31 日   12 月 31 日     12 月 31 日
                           资本充足率(%)              ≥10.5       12.14        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        9.52          9.46         10.12           10.07
   办法(试行)》
                           核心一级资本充足率(%)      ≥7.5        8.66          8.55          9.03           10.07
流动性比率(本外币)(%)                                 ≥25         55.06        44.95         42.44           54.61
流动性覆盖率(%)                                       ≥90        122.67        83.80         100.34          101.48
存贷款比例(本外币)(%)                                              55.00        53.68         63.73           64.12
不良贷款比率(%)                                    ≤5              0.90         0.91          0.92            0.89
拨备覆盖率(%)                                         ≥150       429.98        351.42        308.67          285.17
贷款拨备率(%)                                                      3.88          3.21          2.85            2.53
单一最大客户贷款比例(%)                               ≤10         1.82          1.72          2.07            2.56
最大十家单一客户贷款比例(%)                           ≤50         12.79        13.23         12.57           12.70
单一最大集团客户授信比例(%)                           ≤15         2.02          1.90          4.36            4.40
                          正常类贷款迁徙率                         0.77          1.95          3.38            4.50
正常贷款迁徙率(%)
                          关注类贷款迁徙率                         65.84        45.09         34.77           42.56
                          次级类贷款迁徙率                         39.46        53.20         64.06           54.99
不良贷款迁徙率(%)
                          可疑类贷款迁徙率                         25.93        25.90         18.81           49.65
总资产收益率(%)(年化)                                            1.07          0.98          1.03            1.11
成本收入比(%)                                                      32.80        34.26         34.03           32.07
资产负债率(%)                                                      94.33        94.31         93.71           93.83
净利差(%)                                                          2.02          1.95          2.40            2.50
净息差(%)                                                          1.92          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。


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                                                                        宁波银行股份有限公司 2017 年第三季度报告正文

    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。


       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)                   76,071                                                              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 报告期末持股数
            股东名称                  股东性质                                      条件的股份
                                                         (%)            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    1,013,946,461 247,201,019
新加坡华侨银行有限公司                境外法人          18.58     942,031,287      323,771,261
雅戈尔集团股份有限公司             境内非国有法人       13.00     659,004,620             0
华茂集团股份有限公司               境内非国有法人       5.38      272,550,000             0            质押      148,070,000
宁波杉杉股份有限公司               境内非国有法人       3.91      198,452,253             0
宁波富邦控股集团有限公司           境内非国有法人       3.30      167,064,000             0            质押      152,744,000
全国社保基金一零一组合            基金、理财产品等      2.16      109,278,958             0
新加坡华侨银行有限公司(QFII)        境外法人          1.42       71,915,175               0
中央汇金资产管理有限责任公司          国有法人          1.38       69,819,360             0
宁兴(宁波)资产管理有限公司       境内非国有法人       1.38       69,810,000             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                    766,745,442                      人民币普通股                   766,745,442
新加坡华侨银行有限公司                      618,260,026                      人民币普通股                   618,260,026
雅戈尔集团股份有限公司                      659,004,620                      人民币普通股                   659,004,620
华茂集团股份有限公司                        272,550,000                      人民币普通股                   272,550,000
宁波杉杉股份有限公司                        198,452,253                      人民币普通股                   198,452,253
宁波富邦控股集团有限公司                    167,064,000                      人民币普通股                   167,064,000
全国社保基金一零一组合                      109,278,958                      人民币普通股                   109,278,958
新加坡华侨银行有限公司(QFII)              71,915,175                       人民币普通股                   71,915,175
中央汇金资产管理有限责任公司                69,819,360                       人民币普通股                   69,819,360
宁兴(宁波)资产管理有限公司                69,810,000                       人民币普通股                   69,810,000
上述股东关联关系或一致行动的 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;新加坡华侨
说明                             银行有限公司(QFII)是新加坡华侨银行有限公司的合格境外机构投资者。


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



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                                                                           宁波银行股份有限公司 2017 年第三季度报告正文

    (二)公司优先股股东总数及前 10 名优先股股东持股情况表

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



                                                    第三节 重要事项


    一、报告期主要会计报表项目、财务指标发生变动的情况及原因

                                                                                                              单位:人民币千元
       项 目               2017 年 1-9 月         2016 年 1-9 月       比上年同期增减                     主要原因
      投资收益               1,633,019                420,453               288.40%                   货币基金投资收益增加
                                                                                               市场汇率波动对公允价值变动损
  公允价值变动损益          (3,758,759)               250,641             (1599.66%)
                                                                                                            益的影响
      汇兑收益               3,327,579               (344,866)           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               150,486                 492,524              (69.45%)                     营改增政策的影响
                                                                                                              单位:人民币千元
         项目              2017 年 9 月 30 日    2016 年 12 月 31 日       比年初增减                      主要原因
        贵金属                 557,652                269,586                  106.85%           贵金属多头数量和估值增加
       拆出资金               1,660,465              6,702,519              (75.23%)                    同业拆出资金减少
以公允价值计量且其变动
                              96,604,739             8,276,310              1067.24%                    货币基金投资增加
计入当期损益的金融资产
    衍生金融资产              22,975,364             13,939,542                 64.82%         受人民币汇率变动影响,外汇掉


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                                                                           宁波银行股份有限公司 2017 年第三季度报告正文

                                                                                               期业务重估正值增加
   买入返售金融资产           10,761,361            19,731,604              (45.46%)            买入返售债券减少
     投资性房地产                  52,479             16,598                216.18%             投资性房地产增加
       固定资产                   4,706,354          3,517,820               33.79%           在建工程转入固定资产
       在建工程                   1,380,237          2,241,204              (38.42%)          在建工程转入固定资产
                                                                                         拨备增加、可供出售金融资产估
    递延所得税资产                3,516,106          1,166,125              201.52%
                                                                                                     值亏损
    向中央银行借款            11,500,000            26,000,000              (55.77%)            中期借贷便利到期
       拆入资金               59,353,502            34,832,834               70.40%             同业拆入资金增加
以公允价值计量且其变动
                                  2,038,290          6,230,918              (67.29%)           贵金属空头数量减少
计入当期损益的金融负债
                                                                                         受人民币汇率变动影响,外汇掉
     衍生金融负债             25,007,532            12,164,267              105.58%
                                                                                               期业务重估负值增加
  卖出回购金融资产款          28,010,499            62,451,215              (55.15%)            卖出回购债券减少
       应交税费                   2,158,048          1,260,189               71.25%            应交企业所得税增加
       应付债券               163,285,416           112,984,659              44.52%           同业存单发行规模增加
         股本                     5,069,732          3,899,794               30.00%             资本公积转增股本
     其他综合收益             (1,599,705)             757,027              (311.31%)       可供出售金融资产估值亏损




    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、股东、实际控制人、收购人、董事、监事、高级管理人员或其他关联方在报告期内履行完

毕及截至报告期末尚未履行完毕的承诺事项

      承诺事项            承诺方         承诺类型               承诺内容               承诺时间 承诺期限      履行情况
股改承诺                    -                -                      -                               -             -
收购报告书或权益变
                              -               -                    -                                -            -
动报告书中所作承诺
资产重组时所作承诺            -               -                    -                                -            -
                       宁波开发投资
非公开发行认购对象     集团有限公司、 股份限售 自发行结束之日起,60 个月内不转 2014 年 10
                                                                                          60 个月             严格履行
承诺                   新加坡华侨银     承诺   让本次认购的股份                 月8日
                       行有限公司
                                                  将采取多项措施保证募集资金有效
其他对公司中小股东                       再融资时                                2014 年 7
                       公司                       使用,有效防范即期回报被摊薄的                  长期        严格履行
所作承诺                                 所做承诺                                 月 16 日
                                                  风险,并提高未来的回报能力
                                                  为保护普通股股东的利益,填补优
                                                  先股发行可能导致的即期回报减
其他对公司中小股东                       再融资时 少,公司承诺将采取多项措施保证 2015 年 11
                       公司                                                                       长期        严格履行
所作承诺                                 所做承诺 募集资金有效使用,有效防范即期 月 26 日
                                                  回报被摊薄的风险,并提高未来的
                                                  回报能力。
承诺是否及时履行                                                    是
如承诺超期未履行完
                                                                       不适用
毕的,应当详细说明未


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                                                                   宁波银行股份有限公司 2017 年第三季度报告正文

完成履行的具体原因
及下一步的工作计划


    四、对 2017 年度经营业绩的预计

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

2017 年归属于上市公司股东的净利润变动区间                                 8,591,459           至          9,372,500
2016 年归属于上市公司股东的净利润                                                        7,810,417
业绩变动的原因说明                                                             业务规模扩大、盈利能力增强



    五、以公允价值计量的金融资产及负债

                                                                                                   单位:人民币千元
                                            本期公允价值     计入权益的累计公允价      本期计提的
       项目                期初金额                                                                    期末金额
                                              变动损益             值变动                减值
  以公允价值计量且
其变动计入当期损益        8,276,310           (29,307)                -                   -           96,604,739
的金融资产
  衍生金融资产            13,939,542         8,724,531                -                   -           22,975,364
  可供出售金融资产       280,538,469             -               (2,239,861)           (1,698)       236,250,318
  贵金属                   269,586            (3,908)                 -                   -            557,652
  投资性房地产              16,598               -                    -                   -             52,479
金融资产小计             303,040,505         8,691,316           (2,239,861)           (1,698)       356,440,552
  以公允价值计量且
其变动计入当期损益       (6,230,918)          (27,337)                -                   -          (2,038,290)
的金融负债
  衍生金融负债           (12,164,267)       (12,422,738)              -                   -          (25,007,532)
金融负债小计             (18,395,185)       (12,450,075)              -                   -          (27,045,822)




    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。




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                                                                      宁波银行股份有限公司 2017 年第三季度报告正文


     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
     接待时间         接待地点    接待方式                           接待对象
                                             象类型                                                   供的资料

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、
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     2016 年三季度报告
                                                      等

                                                      招商证券、富国基金、平安资产、大成基金、
2017 年 3 月 9 日    公司会议室   实地调研   机构                                                2016 年三季度报告
                                                      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、     2016 年三季度报告
                                                      阳光保险等

                                                                                                 2016 年年度报告、
2017 年 5 月 10 日   公司会议室   实地调研   机构     泰康资产、盈峰资本
                                                                                                 2017 年一季度报告

                                                                                                 2016 年年度报告、
2017 年 5 月 16 日   公司会议室   实地调研   机构     招商证券、富国基金、南方基金、华金证券
                                                                                                 2017 年一季度报告

                                                                                                 2016 年年度报告、
2017 年 5 月 24 日   公司会议室   实地调研   机构     威灵顿基金、高盛高华、安本资产
                                                                                                 2017 年一季度报告

                                                      国金证券、广发证券、中银基金、交银施罗     2016 年年度报告、
2017 年 6 月 1 日    公司会议室   实地调研   机构
                                                      德基金、国泰君安证券、友邦中国             2017 年一季度报告

                                                      中金公司、东吴证券、东方资管、华安基金、 2016 年年度报告、
2017 年 6 月 8 日    公司会议室   实地调研   机构
                                                      七曜投资                                   2017 年一季度报告

                                                                                                 2016 年年度报告、
2017 年 6 月 21 日   公司会议室   实地调研   机构     华安基金、东吴证券
                                                                                                 2017 年一季度报告

                                                                                                 2016 年年度报告、
2017 年 7 月 11 日   公司会议室   实地调研   机构     光大证券、中信资管、人寿资产、汇联金控
                                                                                                 2017 年一季度报告

                                                      中金公司、中银基金、华泰保兴、兴业证券、
                                                      交银施罗德、高毅资产、天风证券、兴全基
2017 年 9 月 13 日   公司会议室   实地调研   机构                                                2017 年半年度报告
                                                      金、复星集团、泰康资产、浙商证券、国泰
                                                      基金


                                                                                          宁波银行股份有限公司


                                                                                       董事长:陆华裕


                                                                                        二○一七年十月二十五日



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