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2019年09月19日 星期四

宁波银行(002142)公告正文

宁波银行:2017年第三季度报告全文

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 年第三季度报告




         2017 年 10 月




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                                                                 宁波银行股份有限公司 2017 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 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)              -


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

基本每股收益(元/股)                           0.51               15.91%              1.45             16.00%
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 年第三季度报告全文


    (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。
    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


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

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。


    (四)资本充足率、杠杆率、流动性覆盖率情况

    资本充足率
                                                                                                                     单位:人民币千元
                                                 2017 年 9 月 30 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                     48,898,379                47,359,882                   45,201,969                43,849,778
一级资本净额                         53,723,070                52,184,573                   50,026,660                48,674,469
总资本净额                           68,555,064                66,837,447                   64,783,567                63,269,098
风险加权资产合计                    564,502,010               549,389,860                   528,644,875               514,863,021
核心一级资本充足率                       8.66%                    8.62%                        8.55%                     8.52%
一级资本充足率                           9.52%                    9.50%                        9.46%                     9.45%
资本充足率                               12.14%                  12.17%                       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 9 月 30 日         2017 年 6 月 30 日           2017 年 3 月 31 日       2016 年 12 月 31 日
杠杆率                                     4.87%                        4.97%                     5.01%                      5.08%

一级资本净额                             53,723,070                   53,059,086               51,375,281               50,026,660

调整后表内外资产余额                  1,102,304,614              1,068,401,578                1,025,824,626             984,943,800
    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。


    流动性覆盖率
                                                                                                                     单位:人民币千元
                                  项目                                                                 报告期末
流动性覆盖率                                                                                           122.67%
合格优质流动性资产                                                                                    129,469,466
未来 30 天现金净流出量的期末数值                                                                      105,542,106



    (五)贷款五级分类情况

                                                                                                                     单位:人民币千元
                            2017 年 9 月 30 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(百分
                                             占比                                   占比                数额增减
                           金额                                 金额                                                            点)
非不良贷款小计:        330,087,623         99.10%          299,741,209            99.09%              30,346,414               0.01
         正常           327,676,325         98.38%          295,710,612            97.76%              31,965,713               0.62


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

      关注               2,411,298        0.72%            4,030,597         1.33%                (1,619,299)                 (0.61)
 不良贷款小计:          3,003,201        0.90%            2,765,469         0.91%                    237,732                 (0.01)
      次级               1,708,046        0.51%            1,551,499         0.51%                    156,547                   -
      可疑                939,850         0.28%             885,237          0.29%                    54,613                  (0.01)
      损失                355,305         0.11%             328,733          0.11%                    26,572                    -
  客户贷款合计          333,090,824      100.00%        302,506,678         100.00%                30,584,146                   -



    (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 9 月 30 日                 2016 年 12 月 31 日
期初余额                                                                     9,718,337                            7,289,475
本期计提                                                                     3,956,338                            5,041,742
本期收回                                                                      595,133                              287,704
其中:收回原转销贷款及垫款导致的转回                                          595,133                              287,704
本期核销                                                                    (1,356,641)                          (2,848,794)
已减值贷款利息回拨                                                                -                               (51,790)
期末余额                                                                    12,913,167                            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)                         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


                                                                6
                                                                       宁波银行股份有限公司 2017 年第三季度报告全文

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。


       (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年三季度,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


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


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9,530.64亿元,比年初增长7.69%;各项存款5,547.50亿元,比年初增长8.48%;

各项贷款3,330.91亿元,比年初增长10.11%。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1-9月实现营业收入185.75亿元,同比增长3.54%;实现归属于母公司股东的净利润73.68

亿元,同比增长16.15%;实现手续费及佣金净收入47.31亿元,在营业收入中占比达25.47%,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

    2017年,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0.90%,比年初下降0.01个百分点;拨贷比3.88%,比年初提高了0.67个百分点;拨备覆盖率

429.98%,比年初提高了78.56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12.14%;

一级资本充足率和核心一级资本充足率分别为9.52%和8.66%。




                                       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



                                                8
                                                                                宁波银行股份有限公司 2017 年第三季度报告全文

     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
                                                                                               受人民币汇率变动影响,外汇掉
     衍生金融资产               22,975,364               13,939,542               64.82%
                                                                                                    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
其他对公司中小股东                            再融资时 将采取多项措施保证募集资金有效 2014 年 7
                       公司                                                                             长期       严格履行
所作承诺                                      所做承诺 使用,有效防范即期回报被摊薄的 月 16 日

                                                                9
                                                                         宁波银行股份有限公司 2017 年第三季度报告全文

                                                   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
毕的,应当详细说明未
                                                                     不适用
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 年第三季度报告全文


     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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                                                                宁波银行股份有限公司 2017 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                                                             2017 年 9 月 30 日         2016 年 12 月 31 日
资产
现金及存放中央银行款项                                              86,581,076                 93,376,715
存放同业款项                                                        15,316,029                 17,027,924
贵金属                                                               557,652                     269,586
拆出资金                                                            1,660,465                   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                        96,604,739                  8,276,310
衍生金融资产                                                        22,975,364                 13,939,542
买入返售金融资产                                                    10,761,361                 19,731,604
应收利息                                                            3,712,654                   3,963,301
发放贷款和垫款                                                     320,177,657                 292,788,341
可供出售金融资产                                                   236,278,578                 280,551,719
持有至到期投资                                                      49,355,563                 39,370,701
应收款项类投资                                                      96,341,360                 99,576,315
投资性房地产                                                          52,479                      16,598
固定资产                                                            4,706,354                   3,517,820
无形资产                                                             237,692                     287,903
在建工程                                                            1,380,237                   2,241,204
递延所得税资产                                                      3,516,106                   1,166,125
其他资产                                                            2,849,068                   2,216,184
资产总计                                                           953,064,434                 885,020,411
负债及所有者权益
向中央银行借款                                                      11,500,000                 26,000,000
同业及其他金融机构存放款项                                          33,328,239                 44,584,064
拆入资金                                                            59,353,502                 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                        2,038,290                   6,230,918
衍生金融负债                                                        25,007,532                 12,164,267
卖出回购金融资产款                                                  28,010,499                 62,451,215
吸收存款                                                           554,750,413                 511,404,984
应付职工薪酬                                                        1,546,876                   1,863,053
应交税费                                                            2,158,048                   1,260,189
应付利息                                                            8,277,295                   7,160,302
应付债券                                                           163,285,416                 112,984,659
递延收益                                                             306,959                     300,609
其他负债                                                            9,464,867                  13,397,204
负债合计                                                           899,027,936                 834,634,298
股本                                                                5,069,732                   3,899,794
其他权益工具                                                        4,824,691                   4,824,691
资本公积                                                            8,779,908                   9,948,236
其他综合收益                                                       (1,599,705)                   757,027
盈余公积                                                            3,946,749                   3,946,749
一般风险准备                                                        7,851,335                   6,686,969
未分配利润                                                          25,053,106                 20,214,536
归属于母公司股东的权益                                              53,925,816                 50,278,002
少数股东权益                                                         110,682                     108,111
股东权益合计                                                        54,036,498                 50,386,113
负债和股东权益总计                                                 953,064,434                 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                                                              2017 年 9 月 30 日         2016 年 12 月 31 日
资产
现金及存放中央银行款项                                               86,581,076                 93,376,646
存放同业款项                                                         14,593,782                 16,983,326
贵金属                                                                557,652                     269,586
拆出资金                                                             2,610,465                   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                         96,344,463                  7,922,044
衍生金融资产                                                         22,975,364                 13,939,542
买入返售金融资产                                                     10,761,361                 19,636,900
应收利息                                                             3,573,445                   3,857,450
发放贷款和垫款                                                      305,359,266                 280,281,558
可供出售金融资产                                                    236,230,716                 280,529,369
持有至到期投资                                                       49,355,563                 39,370,701
应收款项类投资                                                       96,341,360                 99,576,315
长期股权投资                                                         1,146,770                   1,135,000
投资性房地产                                                           52,479                      16,598
固定资产                                                             4,699,822                   3,510,403
无形资产                                                              230,821                     281,520
在建工程                                                             1,373,893                   2,239,616
递延所得税资产                                                       3,485,130                   1,137,609
其他资产                                                             2,800,223                   2,129,943
资产总计                                                            939,073,651                 872,916,645
负债及所有者权益
向中央银行借款                                                       11,500,000                 26,000,000
同业及其他金融机构存放款项                                           33,756,938                 44,641,118
拆入资金                                                             46,755,544                 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                         2,038,290                   5,969,934
衍生金融负债                                                         25,007,532                 12,164,267
卖出回购金融资产款                                                   28,010,499                 62,451,215
吸收存款                                                            555,282,391                 512,975,692
应付职工薪酬                                                         1,516,786                   1,831,088
应交税费                                                             2,129,622                   1,226,065
应付利息                                                             8,120,351                   7,109,308
应付债券                                                            163,285,416                 112,984,659
递延收益                                                                 28                        3,153
其他负债                                                             8,143,038                  11,168,889
负债合计                                                            885,546,435                 822,862,222
股本                                                                 5,069,732                   3,899,794
其他权益工具                                                         4,824,691                   4,824,691
资本公积                                                             8,779,726                   9,949,664
其他综合收益                                                        (1,601,265)                   756,836
盈余公积                                                             3,946,749                   3,946,749
一般风险准备                                                         7,728,893                   6,571,482
未分配利润                                                           24,778,690                 20,105,207
股东权益合计                                                         53,527,216                 50,054,423
负债和股东权益总计                                                  939,073,651                 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                       2017 年 7-9 月   2016 年 7-9 月   2017 年 1-9 月   2016 年 1-9 月
一、营业收入                                       6,258,795       5,893,773        18,574,792       17,939,821
   利息净收入                                      4,002,705       4,284,461        12,606,073       12,903,285
      利息收入                                     9,523,125       8,560,083        27,343,046       25,338,871
      利息支出                                    (5,520,420)     (4,275,622)      (14,736,973)     (12,435,586)
   手续费及佣金净收入                              1,399,219       1,561,812        4,731,192        4,690,068
      手续费及佣金收入                             1,527,725       1,792,389        5,098,910        5,191,337
      手续费及佣金支出                             (128,506)       (230,577)        (367,718)        (501,269)
   投资收益                                        1,117,370       (229,103)        1,633,019          420,453
   公允价值变动收益                               (1,333,699)       (12,111)       (3,758,759)         250,641
   汇兑收益                                        1,064,913         279,938        3,327,579        (344,866)
   其他业务收入                                      8,287            8,776           35,688           20,240
二、营业支出及损失                                (3,455,347)     (3,240,404)      (10,224,062)     (10,342,119)
      营业税费                                     (65,058)         (47,321)        (150,486)        (492,524)
      业务及管理费                                (2,168,587)     (1,952,068)      (6,092,336)      (5,887,648)
      资产减值损失                                (1,213,995)     (1,241,006)      (3,956,338)      (3,958,206)
      其他业务成本                                  (7,707)            (9)           (24,902)          (3,741)
三、营业利润                                       2,803,448       2,653,369        8,350,730        7,597,702
      加:营业外收入                                38,731            2,516           51,558           18,866
      减:营业外支出                               (51,971)         (13,447)         (72,618)         (24,459)
四、利润总额                                       2,790,208       2,642,438        8,329,670        7,592,109
      减:所得税                                   (181,227)       (434,708)        (946,377)       (1,238,593)
五、净利润                                         2,608,981       2,207,730        7,383,293        6,353,516
    其中:归属于母公司股东的净利润                 2,602,374       2,204,525        7,367,864        6,343,378
               少数股东损益                          6,607            3,205           15,429           10,138
六、其他综合收益的税后净额                         (589,143)         749,944       (2,369,590)         669,243
    归属于母公司股东的其他综合收益的税后净额       (589,583)         749,455       (2,356,732)         669,162
       以后将重分类进损益的其他综合收益            (589,583)         749,455       (2,356,732)         669,162
             可供出售金融资产公允价值变动          (589,583)         749,455       (2,356,732)         669,162
    归属于少数股东的其他综合收益的税后净额            440              489           (12,858)            81
七、综合收益总额                                   2,019,838       2,957,674        5,013,703        7,022,759
   其中:归属于母公司所有者的综合收益总额          2,012,791       2,953,980        5,011,132        7,012,540
         归属于少数股东的综合收益总额                7,047            3,694            2,571           10,219
八、每股收益:
  (一)基本每股收益                                 0.51             0.44             1.45             1.25
  (二)稀释每股收益                                 0.51             0.44             1.45             1.25




   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                      2017 年 7-9 月   2016 年 7-9 月   2017 年 1-9 月     2016 年 1-9 月
一、营业收入                                    6,111,206        5,768,213        18,147,872        17,596,882
   利息净收入                                   3,971,653        4,231,799        12,506,939        12,762,923
      利息收入                                  9,364,863        8,442,780        26,896,618        25,046,453
      利息支出                                 (5,393,210)      (4,210,981)      (14,389,679)      (12,283,530)
   手续费及佣金净收入                           1,285,096        1,490,901        4,422,810          4,473,608
      手续费及佣金收入                          1,413,176        1,720,670        4,786,246          4,974,068
      手续费及佣金支出                          (128,080)        (229,769)        (363,436)          (500,460)
   投资收益                                     1,114,789        (230,265)        1,618,383           418,734
   公允价值变动收益                            (1,333,898)        (12,868)       (3,750,327)          266,513
   汇兑收益                                     1,065,079         279,870         3,327,976          (345,136)
   其他业务收入                                    8,487           8,776            22,091            20,240
二、营业支出及损失                             (3,388,276)      (3,174,312)      (10,044,693)      (10,173,020)
      营业税费                                   (63,471)         (46,634)        (145,469)          (477,900)
      业务及管理费                             (2,128,483)      (1,928,644)      (5,999,549)        (5,818,988)
      资产减值损失                             (1,191,180)      (1,199,025)      (3,890,517)        (3,872,391)
      其他业务成本                                (5,142)           (9)            (9,158)            (3,741)
三、营业利润                                    2,722,930        2,593,901        8,103,179          7,423,862
      加:营业外收入                              38,531           2,494           51,278             16,017
      减:营业外支出                             (51,943)         (13,382)        (72,578)           (24,029)
四、利润总额                                    2,709,518        2,583,013        8,081,879          7,415,850
      减:所得税                                (161,628)        (420,048)        (886,057)         (1,195,154)
五、净利润                                      2,547,890        2,162,965        7,195,822          6,220,696
六、其他综合收益的税后净额                      (590,685)         748,436        (2,358,101)          677,676
       以后将重分类进损益的其他综合收益         (590,685)         748,436        (2,358,101)          677,676
             可供出售金融资产公允价值变动       (590,685)         748,436        (2,358,101)          677,676
七、综合收益总额                                1,957,205        2,911,401        4,837,721          6,898,372




      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                            2017 年 1-9 月             2016 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                                 31,422,744                 124,651,871
存放中央银行和同业款项净减少额                                  1,827,248                      -
向其他金融机构拆入资金净增加额                                      -                     12,831,462
收取利息、手续费及佣金的现金                                   19,215,252                 17,577,836
收到其他与经营活动有关的现金                                   17,003,886                 16,182,345
    经营活动现金流入小计                                       69,469,130                 171,243,514
客户贷款及垫款净增加额                                         29,188,719                 38,351,431
存放中央银行和同业款项净增加额                                      -                     11,259,455
向中央银行借款净减少额                                         14,500,000                   700,000
向其他金融机构拆入资金净减少额                                  6,956,599                      -
支付利息、手续费及佣金的现金                                   13,722,232                 12,468,101
支付给职工及为职工支付的现金                                    4,226,730                  3,420,034
支付的各项税费                                                  1,948,568                  1,973,887
支付其他与经营活动有关的现金                                   18,388,205                 17,627,563
    经营活动现金流出小计                                       88,931,053                 85,800,471
    经营活动产生的现金流量净额                                (19,461,923)                85,443,043
二、投资活动产生的现金流量:
收回投资所收到的现金                                           264,144,139                207,642,635
取得投资收益收到的现金                                         12,914,882                 12,822,367
收到其他与投资活动有关的现金                                        -                         245
    投资活动现金流入小计                                       277,059,021                220,465,247
投资支付的现金                                                 318,331,059                276,211,863
购建固定资产、无形资产和其他长期资产所支付的现金                 908,629                    545,952
支付其他与投资活动有关的现金                                     360,316                       -
    投资活动现金流出小计                                       319,600,004                276,757,815
    投资活动产生的现金流量净额                                (42,540,983)               (56,292,568)
三、筹资活动产生的现金流量:
发行债券收到的现金                                             50,540,000                      -
    筹资活动现金流入小计                                       50,540,000                      -
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                              2,515,828                  2,905,807
    筹资活动现金流出小计                                        2,515,828                 27,205,807
    筹资活动产生的现金流量净额                                 48,024,172                (27,205,807)
四、汇率变动对现金的影响                                        (193,617)                   98,931
五、现金及现金等价物净增加额                                  (14,172,351)                 2,043,599
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                                   37,563,517                 28,977,121


   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                            2017 年 1-9 月             2016 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                                 31,422,519                 124,651,686
存放中央银行和同业款项净减少额                                  1,261,368                      -
向其他金融机构拆入资金净增加额                                      -                      6,855,462
收取利息、手续费及佣金的现金                                   19,051,986                 17,078,550
收到其他与经营活动有关的现金                                   17,003,886                 15,756,511
    经营活动现金流入小计                                       68,739,759                 164,342,209
客户贷款及垫款净增加额                                         28,206,719                 32,511,485
存放中央银行和同业款项净增加额                                      -                      9,786,455
向中央银行借款净减少额                                         14,500,000                   700,000
向其他金融机构拆入资金净减少额                                  8,194,051                      -
支付利息、手续费及佣金的现金                                   13,742,072                 12,372,088
支付给职工及为职工支付的现金                                    4,186,862                  3,364,377
支付的各项税费                                                  1,913,428                  1,873,997
支付其他与经营活动有关的现金                                   19,399,970                 19,098,965
    经营活动现金流出小计                                       90,143,102                 79,707,367
    经营活动产生的现金流量净额                                (21,403,343)                84,634,842
二、投资活动产生的现金流量:
收回投资所收到的现金                                           264,144,139                207,642,635
取得投资收益收到的现金                                         12,914,882                 12,822,367
收到其他与投资活动有关的现金                                        -                         242
    投资活动现金流入小计                                       277,059,021                220,465,244
投资支付的现金                                                 319,311,059                277,211,863
购建固定资产、无形资产和其他长期资产所支付的现金                 898,811                    541,885
支付其他与投资活动有关的现金                                     360,316                       -
    投资活动现金流出小计                                       320,570,186                277,753,748
    投资活动产生的现金流量净额                                (43,511,165)               (57,288,504)
三、筹资活动产生的现金流量:
发行债券收到的现金                                             50,540,000                      -
    筹资活动现金流入小计                                       50,540,000                      -
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                              2,515,828                  2,905,807
    筹资活动现金流出小计                                        2,515,828                 27,205,807
    筹资活动产生的现金流量净额                                 48,024,172                (27,205,807)
四、汇率变动对现金的影响                                        (193,180)                   98,677
五、现金及现金等价物净增加额                                  (17,083,516)                  239,208
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                                   34,665,314                 28,967,962


   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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