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民生银行(600016)公告正文

中国民生银行股份有限公司2004年第一季度报告

公告日期:2004-04-26


            中国民生银行股份有限公司2004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、吴透红、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                       转债简称  民生转债
股票代码              600016                         转债代码    100016
                      董事会秘书                 证券事务代表
姓名                  毛晓峰
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
    (二)财务资料
    1.主要会计数据及财务指标
            (单位:人民币千元)
项目                                    本报告期末          上年度期末
总资产                                 379,176,471         361,064,410
股东权益(不含少数股东权益)              11,676,488           9,650,204
每股净资产(元)                                   3.05                2.66
调整后每股净资产(元)                             2.96                2.56

项目                                           本报告期末比上年度期末增减
总资产                                                             5.02%
股东权益(不含少数股东权益)                                        21.00%
每股净资产(元)                                                    14.66%
调整后每股净资产(元)                                              15.78%
项目                                        2004年1-3月       2003年1-3月
经营活动产生的现金流量                       -3,588,085       -17,768,820
每股收益(元)                                       0.12              0.11
按最新股本计算每股收益(元)注                       0.09
净资产收益率(%)                                   3.94%             4.52%
扣除非经常性损益后净资产收益率(%)                 3.94%             4.52%

项目                                               本报告期比上年同期增减
经营活动产生的现金流量                                            -79.81%
每股收益(元)                                                        9.27%
按最新股本计算每股收益(元)注
净资产收益率(%)                                                   -12.87%
扣除非经常性损益后净资产收益率(%)                                 -12.87%
    注:根据本公司“中国民生银行股份有限公司关于可转债转股情况公告”,截至2004 年4 月16 日收盘,“民生转债”(100016)转换为本公司发行的股票“民生银行”(600016),累计转股股数为471,916,919 股。总股本达到3,834,654,638 股,根据公司2003 年度股东大会通过的利润分配和资本公积金转增股本方案,每10 股送红股2 股转增1.5 股。该方案实施后,总股本为5,176,783,762 股,比报告期末增加1,351,056,503 股。故按最新股本计算的每股收益为0.09 元。
非经常性损益项目                                         金额(人民币千元)
营业外收入                                                            817
其中:出纳长款收入                                                      4
罚款收入                                                              731
其他收入                                                               82
营业外支出                                                          1,559
其中:出纳短款损失                                                      1
固定资产清理损失                                                      (4)
捐赠支出                                                              387
罚款支出                                                                -
其他支出                                                            1,176
合计                                                                (742)
    2.利润表(未经审计)
项目                             2004年1-3月                  2003年1-3月
一、营业收入                       3,614,520                    2,066,128
利息收入                           2,838,586                    1,456,671
金融企业往来收入                     201,548                      274,825
中间业务收入                          20,216                            -
手续费收入                            14,592                       14,311
汇兑收益                              47,313                            6
投资收益                             483,640                      312,025
其它营业收入                           8,625                        8,290
二、营业支出                       2,786,283                    1,580,841
利息支出                           1,210,701                      734,588
金融企业往来支出                     398,743                      165,266
手续费支出                            13,073                       74,942
营业费用                             690,552                      381,593
其它营业支出                         473,214                      224,452
三、营业税金及附加                   155,594                       81,066
四、营业利润                         672,643                      404,221
加:营业外收入                           817                        1,543
减:营业外支出                         1,559                        1,313
五、利润总额                         671,901                      404,451
减:所得税                           212,048                      119,915
六、净利润                           459,853                      284,536
    3.股本情况
    报告期末,本公司股东总户数为312,652 户。可转换公司债券持有人总数为994 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
    (单位:人民币千元)
                            报告期末           报告期初              增长
总资产                   379,176,471        361,064,410             5.02%
各项贷款                 232,477,444        201,772,909            15.22%
其中:个人贷款            30,026,952         23,852,515            25.89%
各项存款                 302,034,784        274,816,316             9.90%
其中:储蓄存款            26,944,317         25,499,167             5.67%
    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
                                                     (单位:人民币千元)
项目                        2004年1-3月份             2003年1-3月份
                         金额               占比     金额            占比
营业利润              672,643            100.11%   404,221         99.94%
其中:投资收益        483,640             71.98%   312,025         77.15%
营业外收支净额           -742             -0.11%       230          0.06%
利润总额              671,901                      404,451
    4.主营业务收入及其结构变动情况
                                                     (单位:人民币千元)
业务种类                     2004年1-3月份          2003年1-3月份    增减
贷款                            2,838,586          1,456,671       94.87%
拆借、存放等同业业务              201,548            274,825      -26.66%
债券投资                          483,640            312,025       55.00%
其他业务                           90,746             22,607      301.41%
合计                            3,614,520          2,066,128       74.94%
    报告期,由于业务规模的增长导致主要收入有较大幅度的增加,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
                                                     (单位:人民币千元)
               2004年1-3月份           2003年1-3月份                 增减
营业利润             672,643                 404,221               66.40%
营业收入           3,614,520               2,066,128               74.94%
毛利率                18.61%                  19.56%               -4.88%
    由于本行持有的高收益率债券投资逐渐到期,报告期内,债券投资平均收益率有所下降,并导致本行毛利率较前期有所下降。
    (二)重大事项及其影响和解决方案的分析说明
    1、2004 年1 月,北京市第一中级人民法院作出一审判决,本公司北京管理部中关村支行原行长赵兰增犯违法发放贷款罪、挪用资金罪,判处有期徒刑20 年。该事项详见2004年2 月6 日《中国证券报》、《上海证券报》、《证券时报》本公司“重大案件结案公告”。
    2、2004 年1 月,根据中国银行业监督管理委员会银监复(2003)123 号文件批复和香港金融管理局的批准,本公司获准设立香港代表处。该事项已公告于2004 年2 月4 日《中国证券报》、《上海证券报》、《证券时报》
    3、2004 年2 月20 日,本公司就相关媒体报道的本公司原股东-深圳前进科技开发有限公司董事长邱影新的谈话发表澄清公告。详见2004 年2 月20 日《中国证券报》、《上海证券报》和《证券时报》。
    4、2004 年2 月25 日,董事会决定成立独立调查委员会,专门就本公司工商注册名称变更过程中存在的有关问题进行调查。详见2004 年2 月28 日《中国证券报》、《上海证券报》和《证券时报》。
    5、2004 年2 月23 日,中国银行业监督管理委员会令(2004 年第2 号)发布了《商业银行资本充足率管理办法》,自2004 年3 月1 日起施行。鉴于我国商业银行资本充足率总体偏低的状况,该《办法》“第五十三条”规定2007 年1 月1 日为商业银行资本充足率的最后达标期限。本公司也将积极应对,将对风险管理的政策与流程、以及内部架构等方面作出相应的调整。
    6、2004 年3 月24 日,中国人民银行发布了《关于实行差别存款准备率制度的通知》(银发[2004]60 号)和〈〈关于实行再贷款浮息制度的通知〉〉(银发[2004]59 号)。
    决定从2004 年4 月25 日起实行差别存款准备金率制度。差别存款准备金率制度规定,将资本充足率低于4%的金融机构的存款准备金率提高0.5 个百分点,按7.5%的存款准备金率执行。本公司2003 年度资本充足率的期末及平均值均高于4%。该规定今年将不会对本公司产生直接影响。
    决定从2004 年3 月25 日起实行再贷款浮息制度。再贷款浮息制度规定,再贷款将在现行基准利率基础上加0.63 个百分点,再贴现利率在现行基准利率基础上加0.27 个百分点,加点浮息后利率为3.24%。该办法将不会对本公司的经营产生重大影响。
    7、2004 年4 月12 日,中国人民银行宣布,经国务院批准,决定从2004 年4 月25 日起提高商业银行存款准备金率0.5 个百分点,执行7.5%的存款准备金率。该规定对本公司的资产业务有一定影响,对经营利润影响不大。
    (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”情况下董事会和监事会出具的相关说明
    □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
    董事长:经叔平
    中国民生银行股份有限公司董事会
    2004 年4 月22 日
    附件:资产负债表、利润表、现金流量表
    附件:
    资产负债表(未经审计)
    2004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                             1,066,223            1,347,020
存放中央银行款项                          35,584,008           47,079,535
存放同业款项                              28,396,142           17,122,589
拆放同业                                   5,137,022            1,241,680
拆放金融公司                               3,407,744            2,507,101
短期贷款                                 104,444,517          117,559,411
进出口押汇                                 1,356,354            2,171,684
应收利息                                   1,233,408            1,547,595
其它应收款净额                               297,728            1,111,802
贴现                                      21,621,964           18,396,553
短期投资                                     793,099            1,541,208
买入返售                                  18,535,339           10,660,303
一年内到期的长期债券投资                   3,522,318            3,382,711
流动资产合计                             225,395,866          225,669,192
长期资产:
中长期贷款                                71,708,361           91,187,641
逾期贷款                                     201,232              607,917
呆滞贷款                                   2,433,604            2,547,749
呆帐贷款                                       6,877                6,490
减:贷款呆帐准备                           3,390,566            3,863,780
长期债券投资                              60,805,593           59,066,390
长期股权投资                                  50,000                50000
固定资产原价                               2,082,929            2,126,086
减:累计折旧                                 460,775              511,367
固定资产减值准备                              25,523               25,523
固定资产净值                               1,596,631            1,589,196
在建工程                                   1,306,036            1,335,333
长期资产合计                             134,717,768          152,526,936
无形资产及其他资产:
无形资产                                      34,756               39,645
长期待摊费用                                 364,581              332,004
待处理抵债资产                               322,564              336,087
无形资产及其他资产合计                       721,901              707,736
递延税项
递延税款借项                                 228,875              272,607
资产总计                                 361,064,410          379,176,471
                                              期初数               期末数
流动负债:
短期存款                                 177,625,671          186,317,093
短期储蓄存款                              23,580,519           24,732,120
财政性存款                                 4,421,935            5,644,742
向中央银行借款                               300,000                    -
同业存放款项                              44,007,281           43,919,332
同业拆入                                   3,139,640            2,117,426
应解汇款及临时存款                           711,137            1,204,460
汇出汇款                                     782,664              367,939
卖出回购                                  23,780,348           14,785,320
存入短期保证金                            20,148,514           22,465,151
应付利息                                   1,102,758            1,565,654
其它应付款                                   746,920            1,467,002
应付工资                                     199,160               87,510
应付福利费                                    39,692               35,126
应交税金                                     396,671              475,137
应付股利                                         732                  732
预提费用                                      20,081               21,340
流动负债合计                             301,003,723          305,206,084
期负债:
长期存款                                  46,185,897           59,431,258
长期储蓄存款                               1,918,648            2,212,197
存入长期保证金                               223,995               44,785
其它长期负债                                  86,446              184,163
应付债券                                   1,995,497              421,496
长期负债合计                              50,410,483           62,293,899
负债合计                                 351,414,206          367,499,983
股东权益:
股本                                       3,625,259            3,825,727
资本公积                                   4,061,730            5,427,693
盈余公积                                     471,693              471,693
其中:公益金                                 178,777              178,777
未分配利润                                 1,494,044            1,953,897
资本折算差额                                 (2,522)              (2,522)
股东权益合计                               9,650,204           11,676,488
负债和股东权益合计                       361,064,410          379,176,471
    法定代表人:经叔平                        行长:董文标                         财务负责人:王建平
    (签名)                             (签名)                                     (签名)
    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                                                          2004年1-3月
一、营业收入                                                    3,614,520
利息收入                                                        2,838,586
金融企业往来收入                                                  201,548
中间业务收入                                                       20,216
手续费收入                                                         14,592
汇兑收益                                                           47,313
投资收益                                                          483,640
其它营业收入                                                        8,625
二、营业支出                                                    2,786,283
利息支出                                                        1,210,701
金融企业往来支出                                                  398,743
手续费支出                                                         13,073
营业费用                                                          690,552
其它营业支出                                                      473,214
三、营业税金及附加                                                155,594
四、营业利润                                                      672,643
加:营业外收入                                                        817
减:营业外支出                                                      1,559
五、利润总额                                                      671,901
减:所得税                                                        212,048
六、净利润                                                        459,853

项目                                                          2003年1-3月
一、营业收入                                                    2,066,128
利息收入                                                        1,456,671
金融企业往来收入                                                  274,825
中间业务收入                                                            -
手续费收入                                                         14,311
汇兑收益                                                                6
投资收益                                                          312,025
其它营业收入                                                        8,290
二、营业支出                                                    1,580,841
利息支出                                                          734,588
金融企业往来支出                                                  165,266
手续费支出                                                         74,942
营业费用                                                          381,593
其它营业支出                                                      224,452
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
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平
    (签名)                     (签名)                            (签名)
    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
                                                              2004年1季度
一、经营活动产生的现金流量
收回的中长期贷款                                               8,875,154
收回的贴现净额                                                 3,225,411
吸收的活期存款净额                                            11,307,693
吸收的活期存款以外的其他存款                                  81,726,997
到期日超过三个月的存放同业款项净额                               835,373
拆放其他金融机构资金净额                                      12,671,021
收取的利息                                                     2,968,297
收取的手续费                                                      34,808
收到的其他与经营活动有关的现金                                 2,638,809
现金流入小计                                                 124,283,563
对外发放的中长期贷款                                         (28,888,400)
对外发放的短期贷款净额                                       (13,930,224)
支付的活期存款以外的其他存款本金                             (65,799,200)
一般存款准备金净额                                            (3,640,949)
汇出汇款净额                                                    (414,725)
支付的本票净额                                                (1,885,445)
同业存放款项净额                                                 (87,949)
向其他金融机构拆入的资金净额                                 (10,317,242)
支付的利息                                                    (1,143,854)
支付的手续费                                                     (13,073)
支付给职工以及为职工支付的现金                                  (220,098)
支付的所得税款                                                   (58,641)
支付的除所得税以外的其他税费                                    (274,267)
支付的其他与经营活动有关的现金                                (1,197,581)
现金流出小计                                                (127,871,648)
经营活动产生的现金流量净额                                    (3,588,085)
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                                    22,339,350
取得债券利息收入所收到的现金                                     225,501
处置固定资产、无形资产和其他长期资产所收到的现金                  22,504
现金流入小计                                                  22,587,355
购建固定资产、无形资产和其他长期资产所支付的现金                 (98,951)
债券投资所支付的现金                                         (21,192,860)
现金流出小计                                                 (21,291,811)
投资活动产生的现金流量净额                                     1,295,544
三、筹资活动产生的现金流量
可转换公司债券付息支付的现金                                     (10,264)
筹资活动产生的现金流量净额                                       (10,264)
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                                  (2,302,805)
    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                                                           459,853
加:计提的坏帐准备                                                     -
计提的贷款呆帐准备                                               473,214
固定资产折旧                                                      51,416
无形资产摊销                                                       1,788
长期待摊费用摊销及转出                                            27,276
处置固定资产、无形资产和其他长期资产损失(减:收益)                 383
投资损失(减:收益)                                            (483,640)
可转换公司债券转股时转入资本公积的债券利息费用                     2,694
递延所得税                                                       (43,732)
经营性应收项目的减少(减:增加)                             (21,738,525)
经营性应付项目的增加(减:减少)                              17,661,188
经营活动产生的现金流量净额                                    (3,588,085)
2.不涉及现金收支的投资和筹资活动:
债务转为资本                                                     200,468
3.现金及现金等价物净增加情况
现金的年末余额                                                 1,347,020
减:现金的年初余额                                            (1,066,223)
加:现金等价物的年末余额                                      37,505,227
减:现金等价物的年初余额                                     (40,088,829)
现金及现金等价物净增加额                                      (2,302,805)
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平
    (签名)                     (签名)                            (签名)
    资产负债表(未经审计)
    2004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                             1,066,223            1,347,020
存放中央银行款项                          35,584,008           47,079,535
存放同业款项                              28,396,142           17,122,589
拆放同业                                   5,137,022            1,241,680
拆放金融公司                               3,407,744            2,507,101
短期贷款                                 104,444,517          117,559,411
进出口押汇                                 1,356,354            2,171,684
应收利息                                   1,233,408            1,547,595
其它应收款净额                               297,728            1,111,802
贴现                                      21,621,964           18,396,553
短期投资                                     793,099            1,541,208
买入返售                                  18,535,339           10,660,303
一年内到期的长期债券投资                   3,522,318            3,382,711
流动资产合计                             225,395,866          225,669,192
长期资产:
中长期贷款                                71,708,361           91,187,641
逾期贷款                                     201,232              607,917
呆滞贷款                                   2,433,604            2,547,749
呆帐贷款                                       6,877                6,490
减:贷款呆帐准备                           3,390,566            3,863,780
长期债券投资                              60,805,593           59,066,390
长期股权投资                                  50,000                50000
固定资产原价                               2,082,929            2,126,086
减:累计折旧                                 460,775              511,367
固定资产减值准备                              25,523               25,523
固定资产净值                               1,596,631            1,589,196
在建工程                                   1,306,036            1,335,333
长期资产合计                             134,717,768          152,526,936
无形资产及其他资产:
无形资产                                      34,756               39,645
长期待摊费用                                 364,581              332,004
待处理抵债资产                               322,564              336,087
无形资产及其他资产合计                       721,901              707,736
递延税项
递延税款借项                                 228,875              272,607
资产总计                                 361,064,410          379,176,471
                                              期初数               期末数
流动负债:
短期存款                                 177,625,671          186,317,093
短期储蓄存款                              23,580,519           24,732,120
财政性存款                                 4,421,935            5,644,742
向中央银行借款                               300,000                    -
同业存放款项                              44,007,281           43,919,332
同业拆入                                   3,139,640            2,117,426
应解汇款及临时存款                           711,137            1,204,460
汇出汇款                                     782,664              367,939
卖出回购                                  23,780,348           14,785,320
存入短期保证金                            20,148,514           22,465,151
应付利息                                   1,102,758            1,565,654
其它应付款                                   746,920            1,467,002
应付工资                                     199,160               87,510
应付福利费                                    39,692               35,126
应交税金                                     396,671              475,137
应付股利                                         732                  732
预提费用                                      20,081               21,340
流动负债合计                             301,003,723          305,206,084
期负债:
长期存款                                  46,185,897           59,431,258
长期储蓄存款                               1,918,648            2,212,197
存入长期保证金                               223,995               44,785
其它长期负债                                  86,446              184,163
应付债券                                   1,995,497              421,496
长期负债合计                              50,410,483           62,293,899
负债合计                                 351,414,206          367,499,983
股东权益:
股本                                       3,625,259            3,825,727
资本公积                                   4,061,730            5,427,693
盈余公积                                     471,693              471,693
其中:公益金                                 178,777              178,777
未分配利润                                 1,494,044            1,953,897
资本折算差额                                 -2,522                -2,522
股东权益合计                               9,650,204           11,676,488
负债和股东权益合计                       361,064,410          379,176,471
    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                                                          2004年1-3月
一、营业收入                                                    3,614,520
利息收入                                                        2,838,586
金融企业往来收入                                                  201,548
中间业务收入                                                       20,216
手续费收入                                                         14,592
汇兑收益                                                           47,313
投资收益                                                          483,640
其它营业收入                                                        8,625
二、营业支出                                                    2,786,283
利息支出                                                        1,210,701
金融企业往来支出                                                  398,743
手续费支出                                                         13,073
营业费用                                                          690,552
其它营业支出                                                      473,214
三、营业税金及附加                                                155,594
四、营业利润                                                      672,643
加:营业外收入                                                        817
减:营业外支出                                                      1,559
五、利润总额                                                      671,901
减:所得税                                                        212,048
六、净利润                                                        459,853

项目                                                          2003年1-3月
一、营业收入                                                    2,066,128
利息收入                                                        1,456,671
金融企业往来收入                                                  274,825
中间业务收入                                                            -
手续费收入                                                         14,311
汇兑收益                                                                6
投资收益                                                          312,025
其它营业收入                                                        8,290
二、营业支出                                                    1,580,841
利息支出                                                          734,588
金融企业往来支出                                                  165,266
手续费支出                                                         74,942
营业费用                                                          381,593
其它营业支出                                                      224,452
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
    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
                                                              2004年1季度
一、经营活动产生的现金流量
收回的中长期贷款                                                8,875,154
收回的贴现净额                                                  3,225,411
吸收的活期存款净额                                             11,307,693
吸收的活期存款以外的其他存款                                   81,726,997
到期日超过三个月的存放同业款项净额                                835,373
拆放其他金融机构资金净额                                       12,671,021
收取的利息                                                      2,968,297
收取的手续费                                                       34,808
收到的其他与经营活动有关的现金                                  2,638,809
现金流入小计                                                  124,283,563
对外发放的中长期贷款                                          -28,888,400
对外发放的短期贷款净额                                        -13,930,224
支付的活期存款以外的其他存款本金                              -65,799,200
一般存款准备金净额                                             -3,640,949
汇出汇款净额                                                     -414,725
支付的本票净额                                                 -1,885,445
同业存放款项净额                                                  -87,949
向其他金融机构拆入的资金净额                                  -10,317,242
支付的利息                                                     -1,143,854
支付的手续费                                                      -13,073
支付给职工以及为职工支付的现金                                   -220,098
支付的所得税款                                                    -58,641
支付的除所得税以外的其他税费                                     -274,267
支付的其他与经营活动有关的现金                                 -1,197,581
现金流出小计                                                 -127,871,648
经营活动产生的现金流量净额                                     -3,588,085
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                                     22,339,350
取得债券利息收入所收到的现金                                      225,501
处置固定资产、无形资产和其他长期资产所收到的现金                   22,504
现金流入小计                                                   22,587,355
购建固定资产、无形资产和其他长期资产所支付的现金                  -98,951
债券投资所支付的现金                                          -21,192,860
现金流出小计                                                  -21,291,811
投资活动产生的现金流量净额                                      1,295,544
三、筹资活动产生的现金流量
可转换公司债券付息支付的现金                                      -10,264
筹资活动产生的现金流量净额                                        -10,264
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                                   -2,302,805
    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                                                           459,853
加:计提的坏帐准备                                                     -
计提的贷款呆帐准备                                               473,214
固定资产折旧                                                      51,416
无形资产摊销                                                       1,788
长期待摊费用摊销及转出                                            27,276
处置固定资产、无形资产和其他长期资产损失(减:收益)                 383
投资损失(减:收益)                                            -483,640
可转换公司债券转股时转入资本公积的债券利息费用                     2,694
递延所得税                                                       -43,732
经营性应收项目的减少(减:增加)                             -21,738,525
经营性应付项目的增加(减:减少)                              17,661,188
经营活动产生的现金流量净额                                    -3,588,085
2.不涉及现金收支的投资和筹资活动:
债务转为资本                                                     200,468
3.现金及现金等价物净增加情况
现金的年末余额                                                 1,347,020
减:现金的年初余额                                            -1,066,223
加:现金等价物的年末余额                                      37,505,227
减:现金等价物的年初余额                                     -40,088,829
现金及现金等价物净增加额                                      -2,302,805
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平