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华夏银行(600015)公告正文

华夏银行股份有限公司2004年第一季度报告

公告日期:2004-04-30


               华夏银行股份有限公司2004年第一季度报告

    §1 重要提示
    1.1 本公司董事会及其董事保证本报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性负个别及连带责任。
    1.2 本公司第三届董事会第十四次会议于2004 年4 月28 日审议通过了公司《2004年第一季度报告》。
    1.3 公司第一季度报告未经审计。
    1.4 公司董事长刘海燕、行长吴建、财务负责人乔瑞及会计机构负责人张兆良、孙立国,保证季度报告中财务报告的真实、完整。
    §2 公司基本情况
    2.1 公司基本信息
                            A股     B股     其它一      其它二     其它三
股票简称               华夏银行
变更前简称(如有)
股票代码                 600015
                                                               董事会秘书
姓名                                                               赵京学
联系地址                                        北京西城区西单北大街111号
电话                                                    01066151199转2907
传真                                                          01066122081
电子信箱                                                      zhdb@hxb.cc

                                                             证券事务代表
姓名                                                               张太旗
联系地址                                        北京西城区西单北大街111号
电话                                                    01066151199转2907
传真                                                          01066122081
电子信箱                                                      zhdb@hxb.cc
    2.2 财务资料
    2.2.1 主要会计数据及财务指标
                                                            单位:千元币种:人民币
                                                                   本报告
总资产                                                        241,138,595
股东权益(不含少数股东权益)                                      8,894,002
每股净资产(元)                                                       2.54
调整后的每股净资产(元)                                               2.39
                                                                   报告期
经营活动产生的现金流量净额                                     -6,025,701
每股收益(元)                                                         0.08
净资产收益率(%)                                                     3.00%
扣除非经常性损益后的净资产收
益率(%)                                                             3.40%

                                                           期末上年度期末
总资产                                                        246,828,787
股东权益(不含少数股东权益)                                      8,627,077
每股净资产(元)                                                       2.46
调整后的每股净资产(元)                                               2.32
                                                         年初至报告期期末
经营活动产生的现金流量净额                                     -6,025,701
每股收益(元)                                                         0.08
净资产收益率(%)                                                     3.00%
扣除非经常性损益后的净资产收
益率(%)                                                             3.40%

                                           本报告期末比上年度期末增减(%)
总资产                                                             -2.31%
股东权益(不含少数股东权益)                                          3.09%
每股净资产(元)                                                      3.25%
调整后的每股净资产(元)                                              3.02%
                                               本报告期比上年同期增减(%)
经营活动产生的现金流量净额                                         79.24%
每股收益(元)                                                      -11.11%
净资产收益率(%)                                                   -48.81%
扣除非经常性损益后的净资产收
益率(%)                                                           -48.87%
非经常性损益项目                                                     金额
营业外收入                                                            842
营业外支出                                                         37,624
非经常性损益影响所得税                                             -1,701
合计                                                              -35,081
    2.2.2 利润表
    利润表
                                                单位:千元币种:人民币未经审计
项目                                  本期数  上年同期数
                              合并        母公司        合并       母公司
一、营业收入                           2,333,162                1,745,758
利息收入                               1,824,678                1,319,836
金融机构往来收入                         155,085                  126,954
手续费收入                                47,540                   44,529
汇兑收益                                   1,721                       82
投资收益                                 272,633                  240,411
其他营业收入                              31,505                   13,946
二、营业支出                           1,764,803                1,280,731
利息支出                                 810,881                  556,050
金融机构往来支出                         143,128                  108,054
手续费支出                                11,887                    6,635
营业支出                                 629,782                  478,835
其他营业支出                             169,125                  131,157
三、营业税金及附加                       101,053                   70,922
四、营业利润(亏损以"-"号填列)            467,306                  394,105
加:营业外收入                               842                      893
减:营业外支出                            37,624                   33,734
五、利润总额(亏损总额以"-"号填列)        430,524                  361,264
减:所得税                               163,599                  137,280
六、净利润(亏损以"-"号填列)              266,925                  223,984
    2.3 报告期末股东总人数为356280 户
    §3 管理层讨论与分析
    3.1 公司报告期内经营活动总体状况的简要分析
    √ 适用        □ 不适用
    截至2004 年3 月31 日,本公司主要经营和发展情况如下:
    1、总资产规模达到2,411.39 亿元,比2003 年12 月31 日减少56.90 亿元,减少2.31%;
    2、本外币存款余额为2106.26 亿元,比2003 年12 月31 日增加13.12 亿元,增长0.63%;
    3、股东权益达到88.94 亿元,比2003 年12 月31 日增加2.67 亿元,增长3.09%;
    4、每股净资产为2.54 元,比2003 年12 月31 日增加0.08 元,增长3.25%;
    5、按“五级分类”口径,不良贷款余额为67.47 亿元,不良贷款率为4.53%;
    6、主营业务利润为4.67 亿元,比上年同期增加0.73 亿元,增长18.53%;
    7、利润总额为4.31 亿元,比上年同期增加0.69 亿元,增长19.11%。
    3.1.1 占主营收入或主营业务利润总额10%以上的主营行业或产品情况
    □ 适用        √ 不适用
    3.1.2 公司经营的季节性或周期性特征
    □ 适用        √ 不适用
    3.1.3 报告期利润构成情况(主营业务利润、其他业务利润、期间费用、投资收益、补贴收入与营业外收支净额在利润总额中所占比例与前一报告期相比的重大变动及原因的说明)
    √ 适用        □ 不适用
    报告期内,本公司主营业务利润、其他业务利润、期间费用、投资收益、补贴收入与营业外收支净额在利润总额中所占比例与前一报告期相比未发生重大变化。
                                                                                单位:千元币种:人民币未经审计
项目                           本报告期
                                   金额                       占利润总额%
主营业务利润                    467,306                           108.54%
其它业务利润                          0                                 0
期间费用                        629,782                           146.28%
投资收益                        272,633                            63.33%
补贴收入                              0                                 0
营业外收支净额                  -36,782                            -8.54%
利润总额                        430,524                           100.00%

项目                         前一报告期
                                   金额                       占利润总额%
主营业务利润                  1,528,491                           111.15%
其它业务利润                          0                                 0
期间费用                      2,252,802                           163.82%
投资收益                      1,208,738                            87.90%
补贴收入                              0                                 0
营业外收支净额                 -153,296                           -11.15%
利润总额                      1,375,195                           100.00%

项目                                                          增减比例(%)
主营业务利润                                                       -2.61%
其它业务利润                                                            0
期间费用                                                          -17.54%
投资收益                                                          -24.57%
补贴收入                                                                0
营业外收支净额                                                      2.61%
利润总额                                                                0
    3.1.4 主营业务及其结构与前一报告期相比发生重大变化的情况及原因说明
    √ 适用        □ 不适用
    报告期内,本公司主营业务及其结构与前一报告期相比未发生重大变化。
                                                                        单位:千元币种:人民币未经审计
项目                              本报告期
                                      金额                占主营业务收入%
利息收入                         1,824,678                         78.21%
金融机构往来收入                   155,085                          6.65%
手续费收入                          47,540                          2.04%
汇兑收益                             1,721                          0.07%
投资收益                           272,633                         11.68%
其他营业收入                        31,505                          1.35%
主营业务收入                     2,333,162                        100.00%

项目                            前一报告期
                                      金额                占主营业务收入%
利息收入                         6,325,491                         74.60%
金融机构往来收入                   561,517                          6.62%
手续费收入                         199,690                          2.36%
汇兑收益                           112,748                          1.33%
投资收益                         1,208,738                         14.26%
其他营业收入                        70,633                          0.83%
主营业务收入                     8,478,817                        100.00%
    3.1.5 主营业务盈利能力(毛利率)与前一报告期相比发生重大变化的情况及其原因说明
    √ 适用        □ 不适用
    报告期内,本公司主营业务盈利能力(毛利率)与前一报告期相比未发生重大变化。
               主营业务收入(千元)     主营业务成本(千元)        毛利率(%)
本报告期                2,333,162              1,865,856           20.03%
前一报告期              1,745,758              1,351,653           22.58%
    3.2 重大事项及其影响和解决方案的分析说明
    □适用        √不适用
    报告期内,本公司未发生重大事项。
    3.3 会计政策、会计估计、合并范围变化以及重大会计差错的情况及原因说明
    □ 适用        √ 不适用
    3.4 经审计且被出具"非标意见"情况下董事会和监事会出具的相关说明
    □ 适用        √ 不适用
    3.5 预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生大幅度变动的警示及原因说明
    □ 适用        √ 不适用
    3.6 公司对已披露的年度经营计划或预算的滚动调整情况
    □ 适用        √ 不适用
    董事长:刘海燕
    华夏银行股份有限公司董事会
    二○○四年四月二十八日
                                    资产负债表
编制单位:华夏银行股份有限公司             2004年3月31日         单位:人民币元
                                    合并                       母公司
资产                    附注         期末数        期初数          期末数
流动资产
现金及银行存款                                             801,557,096.10
贵金属
存放中央银行款项                                        35,973,663,638.36
存放同业款项                                             4,788,163,653.63
存放联行款项
存放系统内款项
拆放同业                                                     5,000,000.00
拆放金融性公司                                              72,609,778.78
短期贷款                                                91,062,325,134.74
进出口押汇                                               1,134,741,220.59
议付信用证款项
应收利息                                                   651,157,566.73
其他应收款                                               1,732,573,413.62
减:坏账准备                                               214,859,194.53
应收款项净额                                             2,168,871,785.82
贴现                                                    12,756,398,687.63
短期投资                                                 3,585,032,461.92
委托贷款及委托投资                                       4,175,399,321.33
买入返售证券                                             5,900,194,655.32
待摊费用
一年内到期的长期债券
投资                                                     4,560,733,265.63
一年内到期的其他长期
资产
其他流动资产                                                83,089,500.00
流动资产合计                                           167,067,780,199.85

                                                                   母公司
资产                                                               期初数
流动资产
现金及银行存款                                             764,663,063.38
贵金属
存放中央银行款项                                        45,260,805,053.63
存放同业款项                                             2,907,504,080.47
存放联行款项
存放系统内款项
拆放同业                                                     5,000,000.00
拆放金融性公司                                             712,144,629.89
短期贷款                                                86,184,435,830.62
进出口押汇                                               1,117,176,420.38
议付信用证款项
应收利息                                                   460,233,838.79
其他应收款                                                 356,524,229.77
减:坏账准备                                               213,977,113.36
应收款项净额                                               602,780,955.20
贴现                                                    21,890,617,476.28
短期投资                                                 3,830,998,847.36
委托贷款及委托投资                                       4,000,153,848.80
买入返售证券                                             4,673,400,000.00
待摊费用
一年内到期的长期债券
投资                                                     4,663,022,166.25
一年内到期的其他长期
资产                                                                    -
其他流动资产
流动资产合计                                         176,612,702,372.26
    法定代表人:刘海燕                 行长:吴建                 财务负责人:乔瑞
    资产负债表
    编制单位:华夏银行股份有限公司             2004年3月31日            单位:人民币元
                                 合并                              母公司
资产                 附注        期末数         期初数          期末数
长期资产:
中长期贷款                                              37,429,412,177.17
逾期贷款                                                 6,691,980,207.95
减:贷款呆账准备                                         3,778,685,754.82
长期债券投资                                            28,863,922,714.27
长期股权投资
减:长期投资减值准备
长期投资净额                                            28,863,922,714.27
固定资产原价                                             2,812,499,559.26
减:累计折旧                                               874,770,902.29
固定资产净值                                             1,937,728,656.97
在建工程                                                 1,438,242,007.69
固定资产清理                                                33,567,133.40
长期资产合计                                            72,616,167,142.63
无形资产及其他资产:
无形资产
长期待摊费用                                               507,225,310.28
待处理抵债资产                                             144,631,652.61
其他长期资产                                                50,000,000.00
无形资产及其他资产合
计                                                         701,856,962.89
递延税项:
递延税款借项                                               752,790,966.77
资产总计                                               241,138,595,272.14

                                                                   母公司
资产                                                               期初数
长期资产:
中长期贷款                                              36,113,516,904.17
逾期贷款                                                 5,450,012,334.53
减:贷款呆账准备                                         3,640,456,869.73
长期债券投资                                            27,413,446,668.98
长期股权投资
减:长期投资减值准备
长期投资净额                                            27,413,446,668.98
固定资产原价                                             2,798,777,917.69
减:累计折旧                                               823,872,884.96
固定资产净值                                             1,974,905,032.73
在建工程                                                 1,415,079,584.34
固定资产清理                                                37,733,713.40
长期资产合计                                            68,764,237,368.42
无形资产及其他资产:
无形资产
长期待摊费用                                               504,479,360.33
待处理抵债资产                                             144,576,973.15
其他长期资产                                                50,000,000.00
无形资产及其他资产合
计                                                         699,056,333.48
递延税项:
递延税款借项                                               752,790,966.77
资产总计                                              246,828,787,040.93
法定代表人:刘海燕                 行长:吴建                 财务负责人:乔瑞
    资产负债表
    编制单位:华夏银行股份有限公司             2004年3月31日           单位:人民币元
                               合并                                母公司
负债及所有者权益      附注      期末数       期初数                期末数
流动负债:
短期存款                                               131,224,636,713.87
短期储蓄存款                                            11,104,061,589.50
财政性存款
向中央银行借款                                             360,085,291.34
同业存放款项                                             9,451,208,989.29
联行存放款项
系统内存款
同业拆入                                                   602,451,500.00
卖出回购证券款                                           2,764,221,067.32
汇出汇款                                                 1,340,663,201.95
应解汇款及临时存款                                         325,395,849.41
委托资金                                                 4,175,399,321.33
存入短期保证金                                          25,622,267,449.34
应付利息                                                 1,012,198,033.87
应付工资                                                   185,770,802.75
应付福利费                                                  27,300,009.54
应交税金                                                   426,425,750.35
应付股利                                                    27,975,367.92
其他应付款                                               1,239,927,755.42
预提费用
递延收益
发行短期债券
一年内到期的长期负债
其他流动负债                                                 4,485,222.21
流动负债合计                                           189,894,473,915.41

                                                                   母公司
负债及所有者权益                                                   期初数
流动负债:
短期存款                                               137,797,637,366.02
短期储蓄存款                                            11,014,541,346.89
财政性存款
向中央银行借款                                           1,812,101,796.45
同业存放款项                                            11,617,229,796.12
联行存放款项
系统内存款
同业拆入                                                   680,000,000.00
卖出回购证券款                                           7,481,592,151.80
汇出汇款                                                   907,563,848.78
应解汇款及临时存款                                          30,953,610.26
委托资金                                                 4,000,153,848.80
存入短期保证金                                          22,307,423,867.03
应付利息                                                   712,279,494.06
应付工资                                                   125,079,810.02
应付福利费                                                  30,948,298.66
应交税金                                                   541,659,422.20
应付股利                                                    27,975,367.92
其他应付款                                                 951,366,190.87
预提费用
递延收益
发行短期债券
一年内到期的长期负债
其他流动负债                                                            -
流动负债合计                                           200,038,506,215.88
    法定代表人:刘海燕                 行长:吴建                 财务负责人:乔瑞
    资产负债表
    编制单位:华夏银行股份有限公司             2004年3月31日            单位:人民币元
                                合并                               母公司
负债及所有者权益       附注       期末数     期初数                期末数
 长期负债:
长期存款                                                33,866,623,197.75
长期储蓄存款                                             8,483,496,088.13
存入长期保证金
转贷款资金
发行长期债券
长期应付款
其他长期负债
长期负债合计                                            42,350,119,285.88
递延税项:
递延税款贷项
负债合计                                               232,244,593,201.29
股东权益:
股本                                                     3,500,000,000.00
资本公积                                                 4,459,619,618.71
一般风险准备                                               100,000,000.00
盈余公积                                                   396,414,669.92
其中:公益金                                                95,147,889.97
未分配利润                                                 437,967,782.22
其中:拟分配现金股利                                        35,000,000.00
股东权益合计                                             8,894,002,070.85
减:待处理财产净损失
股东权益净额                                             8,894,002,070.85
负债及股东权益总计                                     241,138,595,272.14

                                                                   母公司
负债及所有者权益                                                   期初数
 长期负债:
长期存款                                                29,950,000,000.00
长期储蓄存款                                             8,213,203,406.93
存入长期保证金
转贷款资金
发行长期债券
长期应付款
其他长期负债
长期负债合计                                            38,163,203,406.93
递延税项:
递延税款贷项
负债合计                                               238,201,709,622.81
股东权益:
股本                                                     3,500,000,000.00
资本公积                                                 4,459,619,618.71
一般风险准备                                               100,000,000.00
盈余公积                                                   396,414,669.92
其中:公益金                                                95,147,889.97
未分配利润                                                 171,043,129.49
其中:拟分配现金股利                                        35,000,000.00
股东权益合计                                             8,627,077,418.12
减:待处理财产净损失
股东权益净额                                             8,627,077,418.12
负债及股东权益总计                                     246,828,787,040.93
    法定代表人:刘海燕                 行长:吴建                 财务负责人:乔瑞
    利润表
    编制单位:华夏银行股份有限公司             2004年3月31日            单位:人民币元
                                 合并                              母公司
项目                  附注       期末数     上年同期数             期末数
一.营业收入                                              2,333,161,565.76
利息收入                                                 1,824,678,442.59
金融机构往来收入                                           155,084,505.48
手续费收入                                                  47,539,708.60
汇兑收益                                                     1,720,673.48
投资收益                                                   272,633,130.66
其他营业收入                                                31,505,104.95
二.营业支出                                              1,764,802,806.15
利息支出                                                   810,881,252.50
金融机构往来支出                                           143,128,410.42
手续费支出                                                  11,886,885.27
营业费用                                                   629,781,841.18
其他营业支出                                               169,124,416.78
三.营业税金及附加                                          101,052,860.67
四.营业利润                                                467,305,898.94
加:营业外收入                                                  841,658.32
减:营业外支出                                               37,623,923.82
五.利润总额                                                430,523,633.44
减:所得税                                                  163,598,980.71
六.净利润                                                  266,924,652.73

                                                                   母公司
项目                                                           上年同期数
一.营业收入                                              1,745,758,232.91
利息收入                                                 1,319,836,107.15
金融机构往来收入                                           126,953,995.65
手续费收入                                                  44,528,971.02
汇兑收益                                                        81,850.00
投资收益                                                   240,410,882.60
其他营业收入                                                13,946,426.49
二.营业支出                                              1,280,730,881.91
利息支出                                                   556,049,890.30
金融机构往来支出                                           108,054,107.31
手续费支出                                                   6,634,890.83
营业费用                                                   478,835,085.45
其他营业支出                                               131,156,908.02
三.营业税金及附加                                           70,922,061.42
四.营业利润                                                394,105,289.58
加:营业外收入                                                  893,237.14
减:营业外支出                                               33,734,735.77
五.利润总额                                                361,263,790.95
减:所得税                                                  137,280,240.56
六.净利润                                                  223,983,550.39
    法定代表人:刘海燕                 行长:吴建                 财务负责人:乔瑞
    现金流量表
    编制单位:华夏银行股份有限公司  2004年01月31日-2004年03月31日         单位:人民币元
项目                             附注    合并   期末数       母公司期末数
一、经营活动产生的现金流量:
收回的中长期贷款                                         1,602,175,106.43
吸收的活期存款净额                                      -3,011,248,861.80
吸收的活期存款以外的其他存款                           135,474,489,660.11
同业存款净额                                            -2,166,020,806.83
系统内存款净额                                                          -
向其他金融企业拆入的资金净额                            -6,246,936,089.59
收取的利息                                               1,989,086,511.93
收取的手续费                                                47,539,708.60
收回的已于前期核销的贷款                                                -
收回的委托资金净额                                         175,245,472.53
收到的其他与经营活动有关的现金                               5,678,233.20
现金流入小计                                           127,870,008,934.58
对外发放的中长期贷款                                     4,160,038,252.85
对外发放的短期贷款净额                                  -4,238,764,684.32
对外发放的委托贷款净额                                     175,245,472.53
支付的活期存款以外的其他存款本金                       130,717,420,154.27
存放同业款项净额                                          -934,746,067.61
存放系统内款项净额                                                      -
拆放其他金融机构资金净额                                   587,259,804.21
支付的利息                                                 659,430,796.27
支付的手续费                                                11,885,944.87
支付给职工以及为职工支付的现金                             159,191,148.65
支付的所得税款                                             188,696,103.21
支付的除所得税以外的其他税费                               194,480,773.27
支付的其他与经营活动有关的现金                           2,215,572,422.33
现金流出小计                                           133,895,710,120.53
经营活动产生的现金流量净额                              -6,025,701,185.95
二、投资活动产生的现金流量:
收回投资所收到的现金                                     4,352,197,740.88
分得股利或利润所收到的现金                                              -
取得债券利息收入所收到的现金                               105,239,268.32
处置固定资产、无形资产和其他长期资产
而收到的现金净额                                                        -
收到的其他与投资活动有关的现金                                          -
现金流入小计                                             4,457,437,009.20
购建固定资产、无形资产和其他长期资产
所支付的现金                                                36,884,064.92
权益性投资所支付的现金                                                  -
债券投资所支付的现金                                     5,454,418,500.11
支付的其他与投资活动有关的现金                                          -
现金流出小计                                             5,491,302,565.03
投资活动产生的现金流量净额                              -1,033,865,555.83
三、筹资活动产生的现金流量:
吸收权益性投资所收到的现金                                              -
发行债券所收到的现金                                                    -
借款所收到的现金                                                        -
收到的其他与筹资活动有关的现金                                          -
现金流入小计                                                            -
偿还债务所支付的现金                                                    -
分配股利或利润所支付的现金                                              -
减少注册资本所支付的现金                                                -
支付的其他与筹资活动有关的现金                                          -
现金流出小计                                                            -
筹资活动产生的现金流量净额                                              -
四、汇率变动对现金的影响额                                              -
五、现金及现金等价物净增加额                            -7,059,566,741.78
1、不涉及现金收支的投资和筹资活动:
以固定资产偿还债务                                                      -
以投资偿还债务                                                          -
以固定资产进行投资                                                      -
以其他实物资产偿还债务                                                  -
融资租赁固定资产                                                        -
接受捐赠的非现金资产                                                    -
以投资转贷款                                                            -
2、将净利润调节为经营活动的现金流量:
净利润                                                     266,924,652.73
加:计提的坏帐准备或转销的坏帐及计提的
其他资产减值准备                                            18,888,638.18
计提的投资风险准备                                                      -
计提的贷款呆帐准备                                         138,228,885.09
固定资产折旧                                                50,898,017.33
无形资产摊销                                                            -
长期待摊费用摊销                                            81,119,970.78
处置固定资产、无形资产和其他长期资
产的损失(减:收益)                                         3,532,122.99
固定资产报废损失
其他营业支出                                                12,006,893.51
投资损失(减收益)                                          -272,633,130.66
经营性应收项目的减少(减:增加)                       -10,511,583,114.85
经营性应付项目的增加(减:减少)                         4,186,915,878.95
其他
经营活动产生的现金流量净额                              -6,025,701,185.95
3、现金及现金等价物的净增加情况:
现金的期末余额                                             801,557,096.10
减:现金的期初余额                                         764,663,063.38
加:现金等价物的期末余额                                30,688,334,798.86
减:现金等价物的期初余额                                37,784,795,573.36
现金及现金等价物净增加额                                -7,059,566,741.78
    法定代表人:刘海燕                 行长:吴建                  财务负责人:乔瑞