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2019年09月15日 星期天

民生银行(600016)公告正文

中国民生银行股份有限公司2003年第一季度报告

公告日期:2003-04-17

                中国民生银行股份有限公司2003年第一季度报告

    重要提示
    本公司董事会及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、准确性和完整性承担个别及连带责任。
    本公司董事陈建、杨祥波、王宝林、李晓东未亲自出席会议,均书面委托其他董事代行表决权。
    本季度财务会计报告未经审计。
    中国民生银行股份有限公司董事会
    本公司董事长经叔平、行长董文标、主管会计工作负责人洪崎、郭义明、会计机构负责人王建平、白丹,保证季度报告中财务报告的真实、完整。
    一、公司基本情况
     (一)公司基本信息
股票简称                                                     民生银行
股票代码                                                       600016
                                                           董事会秘书
姓名                                                          高   峰
联系地址                                        北京市东城区正义路4号
电话                                                    010-65269592
传真                                                    010-65229104
电子信箱                                             cmbc@cmbc.com.cn

股票简称                                           变更前简称(如有)
股票代码
                                                         证券事务代表
姓名                                                           陈崇龙
联系地址                                        北京市东城区正义路4号
电话                                                    010-65269592
传真                                                    010-65229104
电子信箱                                             cmbc@cmbc.com.cn
    (二)财务资料
    1.主要会计数据及财务指标
    (单位:人民币千元)
                                                           本报告期末
项目
总资产                                                    254,478,502
股东权益(不含少数股东权益)                                  6,291,236
每股净资产(元)                                                2.43
调整后每股净资产(元)                                            2.33

                                                           上年度期末
项目
总资产                                                    246,280,853
股东权益(不含少数股东权益)                                  6,003,810
每股净资产(元)                                                2.32
调整后每股净资产(元)                                            2.22

                                                     本报告期末比上年
项目                                                      度期末增减
总资产                                                          3.33%
股东权益(不含少数股东权益)                                      4.79%
每股净资产(元)                                                4.74%
调整后每股净资产(元)                                            4.95%
    注:根据《公开发行证券的公司信息披露内容与格式规则第2号》计算调整后每股净资产。
    (单位:人民币千元)
                                                          2003年1-3月
项目
                                                               累计数
经营活动产生的现金流量                                    -17,768,820
每股收益(元)                                                    0.11
净资产收益率(%)                                                 4.52%
扣除非经常性损益后净资产收益率(%)                               4.52%

                                                          2002年1-3月
项目
                                                               累计数
经营活动产生的现金流量                                              -
每股收益(元)                                                    0.09
净资产收益率(%)                                                 3.54%
扣除非经常性损益后净资产收益率(%)                               3.54%

                                                         本报告期比上
项目
                                                           年同期增减
经营活动产生的现金流量                                              -
每股收益(元)                                                   22.22%
净资产收益率(%)                                                27.68%
扣除非经常性损益后净资产收益率(%)                              27.68%
    注:报告期内,由于本公司加大了贷款的投放力度,使得经营活动现金净流量出现负数。
    (单位:人民币千元)
                  非经常性损益项目                 金额
营业外收入                                                      1,543
营业外支出                                                      1,313
合计                                                              230
    2.利润表(未经审计)
    单位:千元
项目                                                     2003年1-3月
一、营业收入                                                2,066,128
利息及金融企业往来收入                                      1,731,496
投资收益                                                      312,025
其他收入                                                       22,607
二、营业支出                                                1,580,841
利息及金融企业往来支出                                        899,854
营业费用及其他营业支出                                        680,987
三、营业税金及附加                                             81,066
四、营业利润                                                  404,221
加:营业外收入                                                  1,543
减:营业外支出                                                  1,313
五、利润总额                                                  404,451
减:所得税                                                    119,915
六、净利润                                                    284,536

项目                                                      2002年1-3月
一、营业收入                                                1,354,157
利息及金融企业往来收入                                      1,116,412
投资收益                                                      229,688
其他收入                                                        8,057
二、营业支出                                                1,037,348
利息及金融企业往来支出                                        577,941
营业费用及其他营业支出                                        459,407
三、营业税金及附加                                             61,748
四、营业利润                                                  255,061
加:营业外收入                                                    844
减:营业外支出                                                    916
五、利润总额                                                  254,989
减:所得税                                                     55,818
六、净利润                                                    199,171
    3.股本情况
    报告期末,本公司股东总户数为180,232户。
       二、管理层讨论与分析
    (一)报告期经营活动总体状况简要分析
    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
                                                             报告期末
总资产                                                    254,478,502
各项贷款                                                  141,206,385
其中:个人贷款                                                 67,602
各项存款                                                  191,673,248
其中:储蓄存款                                             15,127,504

                                                             报告期初
总资产                                                    246,280,853
各项贷款                                                  128,346,279
其中:个人贷款                                                 52,493
各项存款                                                  184,704,752
其中:储蓄存款                                             13,609,958

                                                                 增长
总资产                                                          3.33%
各项贷款                                                       10.02%
其中:个人贷款                                                 28.78%
各项存款                                                        3.77%
其中:储蓄存款                                                 11.15%
     注:由于原规定表格不适合商业银行,上表根据证监会和人民银行有关商业银行信息披露规定披露。
    2.公司经营的季节性或周期性特征
    □适用       不适用
    3.报告期利润构成情况
                                                        2003年1-3月份
项目
                                                                 金额
营业利润                                                      404,221
其中:投资收益                                                312,025
营业外收支净额                                                    230
利润总额                                                      404,451

                                                        2003年1-3月份
项目
                                                                 占比
营业利润                                                       99.94%
其中:投资收益                                                 77.15%
营业外收支净额                                                  0.06%
利润总额

                                                        2002年1-3月份
项目
                                                                 金额
营业利润                                                      255,061
其中:投资收益                                                229,688
营业外收支净额                                                    -72
利润总额                                                      254,989

                                                        2002年1-3月份
项目
                                                                 占比
营业利润                                                      100.03%
其中:投资收益                                                 90.08%
营业外收支净额                                                 -0.03%
利润总额
    报告期内,本公司贷款收益增长较快,导致投资收益比重降低。
    4.主营业务收入及其结构变动情况
业务种类                                                2003年1-3月份
贷款                                                        1,456,671
拆借、存放等同业业务                                          274,825
债券投资                                                      312,025
其他业务                                                       22,607
合计                                                        2,066,128

业务种类                                                2002年1-3月份
贷款                                                          936,199
拆借、存放等同业业务                                          180,213
债券投资                                                      229,688
其他业务                                                        8,057
合计                                                        1,354,157

业务种类                                                         增减
贷款                                                           55.59%
拆借、存放等同业业务                                           52.50%
债券投资                                                       35.85%
其他业务                                                      180.59%
合计                                                           52.58%
    报告期,由于业务规模的增加导致各项收入均有较大幅度的增加,中间业务收入有较大幅度增长,导致其他业务收入增长较快。
    5.主营业务盈利能力变动情况
                                                        2003年1-3月份
营业利润                                                      404,221
营业收入                                                    2,066,128
毛利率                                                         19.56%

                                                        2002年1-3月份
营业利润                                                      255,061
营业收入                                                    1,354,157
毛利率                                                         18.84%

                                                                 增减
营业利润                                                       58.48%
营业收入                                                       52.58%
毛利率                                                          3.82%
    报告期内,毛利率有所增长主要是本公司加大了贷款投放力度,同时,努力降低资金成本所致。
    (二)重大事项及其影响和解决方案的分析说明
    1.2003年1月8日,本公司第一大股东“四川新希望农业股份有限公司”变更为“新希 望投资有限公司”,该事项已公告于2003 年1 月10 日《中国证券报》、《上海证券报》和《证券时报》及2003 年1 月28 日本公司公布的2002 年年度报告。
    2.2003年2月27日,本公司经中国证监会核准发行可转换公司债券40 亿元(人民币),并于2003 年3 月18 日在上海证券交易所挂牌交易,募集说明书和上市公告书已分别刊登于2003 年2 月21 日和3 月13 日的《中国证券报》、《上海证券报》和《证券时报》。
    3.2003年1月27日,经中国人民银行批准,本公司石家庄支行升级为分行。
    4.2003年1月14日,本公司原党委副书记林克平因退休免除党委副书记职务。
    (三)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
    报告期内,本公司会计政策、会计估计以及财务报表合并范围未发生变化。
    (四)经审计且被出具“非标意见”情况下董事会和监视会出具的相关说明
    □适用   √不适用
    (五)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
    (六)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
    中国民生银行股份有限公司董事会
    2003年4月15日
    资产负债表(未经审计)
                                                        2003年3月31日
    单位名称:中国民生银行股份有限公司                 货币单位:千元
                                            期初数             期末数
流动资产:
现金及银行存款                             543,923            808,403
存放中央银行款项                        37,678,987         14,863,055
存放同业款项                            19,576,221         17,656,478
存放联行款项
存放系统内款项                                              2,201,003
拆放同业                                 3,303,847          6,887,530
拆放金融公司                             4,403,722          5,072,122
短期贷款                                70,140,618         77,856,483
进出口押汇                                 513,371            719,939
议付信用证款项
应收利息                                   708,614            740,889
其它应收款                                 199,072          1,468,893
贴现                                    25,147,868         19,656,090
短期投资                                 4,865,626          2,808,742
委托贷款及委托投资                       4,852,688          5,812,342
买入返售证券                            14,396,832         14,298,401
待摊费用                                                       29,396
一年内到期的长期债券投资                 1,942,767
一年内到期的其他长期资产
其他流动资产
流动资产合计                           188,274,156        170,879,766
长期资产:
中长期贷款                              29,711,811         39,956,087
逾期贷款                                 1,587,532          1,608,235
呆滞贷款                                 1,172,021          1,405,605
呆帐贷款                                    73,058              3,946
减:贷款呆帐准备                         2,455,193          2,615,705
长期债券投资                            25,260,696         37,543,617
长期股权投资                                50,000             50,000
固定资产原价                             1,681,789          1,677,871
减:累计折旧                               351,105            393,465
固定资产净值                             1,330,684          1,284,406
在建工程                                   775,965            799,676
长期资产合计                            57,506,574         80,035,867
无形资产及其他资产:
无形资产                                     6,354             10,737
长期待摊费用                               261,864            222,834
待处理抵债资产                             231,905            231,905
其它长期资产                                                3,097,393
无形资产及其他资产合计                     500,123          3,562,869
资产总计                               246,280,853        254,478,502
流动负债:
短期存款                               134,770,629        137,428,998
短期储蓄存款                            12,560,953          9,067,234
财政性存款                               1,618,604          2,094,733
向中央银行借款                                                 50,000
同业存放款项                            36,312,124         37,998,078
同业拆入                                 1,269,868          2,116,868
应解汇款及临时存款                       1,413,729          1,835,449
汇出汇款                                   544,376            544,569
委托资金                                 4,852,688          5,799,029
卖出回购证券款                           8,983,128          1,330,720
存入短期保证金                          11,896,508         11,281,500
应付利息                                   722,894            841,923
其它应付款                               2,297,002          3,464,767
应付工资                                    81,767             49,993
应付福利费                                  14,485             16,238
应交税金                                   250,619             81,337
应付利润                                   155,423            155,423
预提费用                                    16,017             16,095
一年内到期的长期负债
其他流动负债
流动负债合计                           217,760,814        214,172,954
长期负债:
长期存款                                21,421,689         23,954,042
长期储蓄存款                             1,049,005          6,060,270
存入长期保证金                              45,535                  0
转贷款资金                                                          0
发行长期债券                                                4,000,000
长期应付款                                                          0
其他长期负债                                                        0
长期负债合计                            22,516,229         34,014,312
负债合计                               240,277,043        248,187,266
股东权益:
股本                                     2,586,721          2,586,721
资本公积                                 2,532,123          2,532,123
盈余公积                                   263,005            263,005
其中:公益金                               109,214            109,214
未分配利润                                 624,851            909,387
资本折算差额                                -2,890
股东权益合计                             6,003,810          6,291,236
负债与股东权益合计                     246,280,853        254,478,502
    法定代表人:经叔平           行长:董文标           财务负责人:王建平
    利润表(未经审计)
    单位名称:中国民生银行股份有限公司                货币单位:千元
项目                            2003年1-3月               2002年1-3月
一、营业收入                      2,066,128                 1,354,157
利息收入                          1,456,671                   936,199
金融企业往来收入                    274,825                   180,213
手续费收入                           14,311                     6,127
汇兑收益                                  6                         5
投资收益                            312,025                   229,688
其它营业收入                          8,290                     1,925
二、营业支出                      1,580,841                 1,037,348
利息支出                            734,588                   440,546
金融企业往来支出                    165,266                   137,395
手续费支出                           74,942                     3,195
营业费用                            381,593                   303,794
汇兑损失                                  0                         1
其它营业支出                        224,452                   152,417
三、营业税金及附加                   81,066                    61,748
四、营业利润                        404,221                   255,061
加:营业外收入                        1,543                       844
减:营业外支出                        1,313                       916
五、利润总额                        404,451                   254,989
减:所得税                          119,915                    55,818
六、净利润                          284,536                   199,171
    法定代表人:经叔平         行长:董文标       财务负责人:王建平
    现金流量表(未经审计)
    单位名称:中国民生银行股份有限公司                 货币单位:千元
                                                         2003年一季度
一、经营活动产生的现金流量
收回的中长期贷款                                              712,970
吸收的活期存款净额                                          1,070,028
吸收的活期存款以外的其他存款                               42,219,268
吸收的委托投资款净额                                          946,341
同业存放款项净额                                            1,685,956
向其他金融机构拆入的资金净额                               -3,518,390
收取的利息                                                  1,800,683
收取的手续费                                                   14,312
收到的其他与经营活动有关的现金                                  9,839
现金流入小计                                               44,941,007
对外发放的中长期贷款                                       -5,335,070
对外发放的短期贷款净额                                     -7,234,085
对外发放的委托贷款净额                                       -959,655
支付的活期存款以外的其他存款本金                          -37,070,738
一般存款准备金净额                                         -1,104,304
存放同业款项净额                                           -4,084,855
拆放其他金融机构资金净额                                   -4,477,801
支付的利息                                                   -720,090
支付的手续费                                                  -73,892
支付给职工以及为职工支付的现金                               -184,135
支付的所得税款                                                -82,504
支付的除所得税以外的其他税费                                  -62,860
支付的其他与经营活动有关的现金                             -1,319,838
现金流出小计                                              -62,709,827
经营活动产生的现金流量净额                                -17,768,820
二、投资活动产生的现金流量
出售及收回投资所收到的现金                                  2,290,514
取得债券利息收入所收到的现金                                  104,329
处置固定资产、无形资产和其他长期资产所收到的现金                    0
现金流入小计                                                2,394,843
购建固定资产、无形资产和其他长期资产所支付的现金              -37,936
股权投资所支付的现金                                                0
债券投资所支付的现金                                      -10,412,050
现金流出小计                                              -10,449,986
投资活动产生的现金流量净额                                 -8,055,143
三、筹资活动产生的现金流量
分配股利或利润所支付的现金
发行可转换公司债收到的现金                                  3,938,950
筹资活动产生的现金流量净额                                  3,938,950
四、汇率变动对现金的影响额                                          0
五、现金及现金等价物净增加额                              -21,885,013
    法定代表人:经叔平          行长:董文标       财务负责人:王建平
    现金流量表(续)(未经审计)
    单位名称:中国民生银行股份有限公司                货币单位:千元
1.将净利润调节为经营活动现金流量:
净利润                                                        284,536
加:计提的坏帐准备                                                  3
计提的贷款呆帐准备                                            160,512
固定资产折旧                                                   35,120
无形资产摊销                                                      361
长期待摊费用摊销                                               16,716
处置固定资产、无形资产和其他长期资产损失(减:收益)                0
投资损失(减:收益)                                         -310,975
经营性应收项目的减少(减:增加)                          -23,394,098
经营性应付项目的增加(减:减少)                            5,439,005
经营活动产生的现金流量净额                                -17,768,820
2.不涉及现金收支的投资和筹资活动:
3.现金及现金等价物净增加情况
现金的年末余额                                                808,403
减:现金的年初余额                                           -543,923
加:现金等价物的年末余额                                   19,979,108
减:现金等价物的年初余额                                  -42,128,601
现金及现金等价物净增加额                                  -21,885,013
    法定代表人:经叔平       行长:董文标         财务负责人:王建平