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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年第三季度报告

公告日期:2004-10-30


            中国民生银行股份有限公司2004年第三季度报告

    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                北京市西城区复兴门内大街2号
电话                                  010-58560807
传真                                  010-58560681
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            上年度期末
项   目
总资产                                  421,795,500           361,064,410
股东权益(不含少数股东权益)               12,439,412             9,650,204
每股净资产(元)                               2.40                  2.66
调整后每股净资产(元)                           2.32                  2.56
项     目                               2004年7-9月           2004年1-9月
经营活动产生的现金流量                     -965,358               317,770
每股收益(元)                                   0.09                  0.30
按最新股本计算每股收益(元)注                   0.09                  0.30
净资产收益率(%)                                3.84                 12.62
扣除非经常性损益后净资产收益率(%)              3.82                 12.61

                                                         本报告期末比上年
项   目                                                  度期末增减(%)
总资产                                                              16.82
股东权益(不含少数股东权益)                                          28.90
每股净资产(元)                                                    -9.80
调整后每股净资产(元)                                                -9.20
                                                         本报告期比上年同
项     目
                                                             期增减(%)
经营活动产生的现金流量
每股收益(元)                                                        -3.76
按最新股本计算每股收益(元)注                                        -3.76
净资产收益率(%)                                                    -13.95
扣除非经常性损益后净资产收益率(%)                                  -14.13
    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9月30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644,750,035股(含送增股),总股本数达到了5,184,445,956股。故按最新股本计算的每股收益为0.30元。
非经常性损益项目                                      金额(人民币千元)
营业外收入                                                          6,814
其中:出纳长款收入                                                     37
罚款收入                                                            2,716
其他收入                                                            4,061
营业外支出                                                         -3,920
其中:出纳短款损失                                                     -2
抵债资产折价损失                                                   -3,719
罚款其他支出                                                         -199
非经常性损益项目所得税影响数                                         -955
合计                                                                1,939
    2.利润表(未经审计)                                     (单位:人民币千元)
项   目                                                       2004年7-9月
一、营业收入                                                    4,578,390
利息收入                                                        3,315,818
金融企业往来收入                                                  592,050
手续费收入                                                        117,666
汇兑收益                                                           32,329
投资收益                                                          513,445
其它营业收入                                                        7,082
二、营业支出                                                   -3,804,611
利息支出                                                       -1,433,111
金融企业往来支出                                                 -692,876
手续费支出                                                        -24,383
营业费用                                                       -1,201,945
其它营业支出                                                     -452,296
三、营业税金及附加                                               -187,005
四、营业利润                                                      586,774
加:营业外收入                                                      4,867
减:营业外支出                                                       -479
五、利润总额                                                      591,162
减:所得税                                                       -113,545
六、净利润                                                        477,617

项   目                                                       2004年1-9月
一、营业收入                                                   12,820,274
利息收入                                                        9,254,509
金融企业往来收入                                                1,563,683
手续费收入                                                        252,309
汇兑收益                                                           83,602
投资收益                                                        1,578,357
其它营业收入                                                       87,814
二、营业支出                                                  -10,173,986
利息支出                                                       -3,937,353
金融企业往来支出                                               -2,027,004
手续费支出                                                        -57,846
营业费用                                                       -2,811,621
其它营业支出                                                   -1,340,162
三、营业税金及附加                                               -531,509
四、营业利润                                                    2,114,779
加:营业外收入                                                      6,814
减:营业外支出                                                     -3,920
五、利润总额                                                    2,117,673
减:所得税                                                       -547,262
六、净利润                                                      1,570,411

项   目                                                       2003年7-9月
一、营业收入                                                    3,216,803
利息收入                                                        2,014,728
金融企业往来收入                                                  488,406
手续费收入                                                         31,269
汇兑收益                                                           32,238
投资收益                                                          614,816
其它营业收入                                                       35,346
二、营业支出                                                   -2,515,975
利息支出                                                         -961,049
金融企业往来支出                                                 -547,098
手续费支出                                                         -8,666
营业费用                                                         -594,763
其它营业支出                                                     -404,399
三、营业税金及附加                                               -117,275
四、营业利润                                                      583,553
加:营业外收入                                                      1,730
减:营业外支出                                                     -2,181
五、利润总额                                                      583,102
减:所得税                                                       -164,781
六、净利润                                                        418,321

项   目                                                       2003年1-9月
一、营业收入                                                    8,132,574
利息收入                                                        5,281,001
金融企业往来收入                                                1,218,353
手续费收入                                                         73,009
汇兑收益                                                           64,850
投资收益                                                        1,434,230
其它营业收入                                                       61,131
二、营业支出                                                   -6,358,633
利息支出                                                       -2,510,206
金融企业往来支出                                               -1,176,230
手续费支出                                                        -93,213
营业费用                                                       -1,825,304
其它营业支出                                                     -753,680
三、营业税金及附加                                               -299,846
四、营业利润                                                    1,474,095
加:营业外收入                                                      4,803
减:营业外支出                                                     -6,332
五、利润总额                                                    1,472,566
减:所得税                                                       -405,289
六、净利润                                                      1,067,277
    注:本公司于2003年度变更了有关企业所得税的会计政策,由应付税款法变更为纳税影响会计法,此项变更导致2003年3季度所得税费用减少1303万元。本变更事项已在本公司2003年度报告中披露,详见2004年2月27日《中国证券报》、《上海证券报》和《证券时报》。
    3.股本情况
    (1)本公司股东总数及前十名股东持股情况:
报告期末股东总数(户)                                            313,931
前十名股东持股情况
股东名称                                                       持股数(股)
新希望投资有限公司                                            362,126,525
中国泛海控股有限公司                                          341,084,250
中国船东互保协会                                              288,609,750
东方集团股份有限公司                                          285,040,370
中国中小企业投资有限公司                                      262,582,398
厦门福信集团有限公司                                          250,040,992
中国中煤能源集团公司                                          236,135,250
上海健特生物科技有限公司                                      194,313,073
四川南方希望实业有限公司                                      170,489,651
中国有色金属建设股份有限公司                                  160,535,250

股东名称                                                         占总股本
新希望投资有限公司                                                  6.98%
中国泛海控股有限公司                                                6.58%
中国船东互保协会                                                    5.57%
东方集团股份有限公司                                                5.50%
中国中小企业投资有限公司                                            5.06%
厦门福信集团有限公司                                                4.82%
中国中煤能源集团公司                                                4.55%
上海健特生物科技有限公司                                            3.75%
四川南方希望实业有限公司                                            3.29%
中国有色金属建设股份有限公司                                        3.10%

股东名称                                                         股份类别
新希望投资有限公司                                                 法人股
中国泛海控股有限公司                                               法人股
中国船东互保协会                                                   法人股
东方集团股份有限公司                                               法人股
中国中小企业投资有限公司                                           法人股
厦门福信集团有限公司                                               法人股
中国中煤能源集团公司                                               法人股
上海健特生物科技有限公司                                           法人股
四川南方希望实业有限公司                                           法人股
中国有色金属建设股份有限公司                                       法人股
    注:2004年7月2日,本公司原第三大股东“东方集团股份有限公司”将其所持本公司341,084,250股中的56,043,880股转让给国际金融公司(IFC),该项股权转让已完成在中国证券登记结算有限责任公司上海分公司有关过户的法律手续。详见2004年7月6日《中国证券报》、《上海证券报》和《证券时报》。由于本次股份变动,东方集团股份有限公司成为本公司第四大股东。
    (2)本公司前十名流通股股东持股情况:
本公司前十名流通股东持股情况
股东名称(全称)                                           期末持股数(股)
易方达50指数证券投资基金                                       40,517,675
普丰证券投资基金                                               31,619,498
鹏华行业成长证券投资基金                                       19,948,346
同盛证券投资基金                                               14,905,163
健特药业                                                       11,404,751
嘉实服务增值行业证券投资基金                                   11,024,310
中信经典配置证券投资基金                                        9,678,720
景福证券投资基金                                                8,161,263
全国社保基金一零六组合                                          7,202,633
上海市企业年金发展中心中信平衡                                  6,818,772

股东名称(全称)                                                 占总股本
易方达50指数证券投资基金                                          0.7815%
普丰证券投资基金                                                  0.6099%
鹏华行业成长证券投资基金                                          0.3848%
同盛证券投资基金                                                  0.2875%
健特药业                                                          0.2200%
嘉实服务增值行业证券投资基金                                      0.2126%
中信经典配置证券投资基金                                          0.1867%
景福证券投资基金                                                  0.1574%
全国社保基金一零六组合                                            0.1389%
上海市企业年金发展中心中信平衡                                    0.1315%

股东名称(全称)                                                 股份类别
易方达50指数证券投资基金                                              A股
普丰证券投资基金                                                      A股
鹏华行业成长证券投资基金                                              A股
同盛证券投资基金                                                      A股
健特药业                                                              A股
嘉实服务增值行业证券投资基金                                          A股
中信经典配置证券投资基金                                              A股
景福证券投资基金                                                      A股
全国社保基金一零六组合                                                A股
上海市企业年金发展中心中信平衡                                        A股
    (3)本公司可转换公司债券持有人总数及前十名持有人情况:
债券持有人总数(户)                                                  722
本公司可转换公司债券前十名持有人情况
可转换公司债券持有人名称                               期末持有数量(元)
鹏华行业成长证券投资基金                                      111,495,000
上海绿地投资经营有限公司                                       14,549,000
普天债券投资基金                                               11,754,000
融通债券投资基金                                               11,028,000
融鑫证券投资基金                                               10,715,000
汉盛证券投资基金                                               10,126,000
五矿集团财务有限责任公司                                       10,000,000
久富证券投资基金                                                9,725,000
CITIGROUP GLOBAL MARKETS LIMITED                                9,651,000
上海绿地汽车修理有限公司                                        7,510,000

可转换公司债券持有人名称                                       占总发行额
鹏华行业成长证券投资基金                                          2.7874%
上海绿地投资经营有限公司                                          0.3637%
普天债券投资基金                                                  0.2939%
融通债券投资基金                                                  0.2757%
融鑫证券投资基金                                                  0.2679%
汉盛证券投资基金                                                  0.2532%
五矿集团财务有限责任公司                                          0.2500%
久富证券投资基金                                                  0.2431%
CITIGROUP GLOBAL MARKETS LIMITED                                  0.2413%
上海绿地汽车修理有限公司                                          0.1878%

可转换公司债券持有人名称                                         股份类别
鹏华行业成长证券投资基金                                           可转债
上海绿地投资经营有限公司                                           可转债
普天债券投资基金                                                   可转债
融通债券投资基金                                                   可转债
融鑫证券投资基金                                                   可转债
汉盛证券投资基金                                                   可转债
五矿集团财务有限责任公司                                           可转债
久富证券投资基金                                                   可转债
CITIGROUP GLOBAL MARKETS LIMITED                                   可转债
上海绿地汽车修理有限公司                                           可转债
     (4)可转换公司债券转股情况:
    根据公司可转换公司债券募集说明书规定,可转换公司债券初始转股价格为10.11元,2003年4月14日实施2003年利润分配及公积金转增方案后,转股价格调整为7.73元。公司在2004年4月16日实施2003年度每10股派发现金1.20元(含税)、送红股2股、资本公积金转增1.5股的分配方案,民生转债转股价格相应由原来的每股人民币7.73元调整为每股人民币5.64元(详见2004年4月13日《中国证券报》、《上海证券报》和《证券时报》)。至报告期末,转股价格未有调整。
    截止2004年9月30日收盘,已有3,691,149,000元本公司发行的“民生转债”(100016)转成本公司发行的股票“民生银行”(600016),本季度转股数为2,845,915股,累计转股股数为644,750,035股(含送增股),占本公司总股本12.44%;尚有308,851,000元的“民生转债”未转股,占民生转债发行总量的7.72%。至报告期末,担保人中国工商银行的盈利能力、资产状况和信用状况未发生重大变化。
    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)
                        期末数                年初数             增长(%)
总资产              421,795,500          361,064,410                16.82
各项贷款            265,036,386          201,772,909                31.35
其中:个人贷款       39,130,411           23,852,515                64.05
各项存款            360,406,789          274,644,117                31.23
其中:储蓄存款       35,363,825           25,499,167                38.69
    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)
                                                   2004年1-9月份
项    目
                                                   金额          占比(%)
营业利润                                        2,114,779          100.00
其中:投资收益                                  1,578,357           74.63
营业外收支净额                                      2,894            0.14
利润总额                                        2,117,673          100.00

                                                   2003年1-9月份
项    目
                                                    金额          占比(%)
营业利润                                        1,474,095          100.00
其中:投资收益                                  1,434,230           97.40
营业外收支净额                                     -1,529           -0.10
利润总额                                        1,472,566          100.00
     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1-9月份        2003年1-9月份       增减(%)
贷款                           9,254,509           5,281,001        75.24
拆借、存放等同业业务           1,563,683           1,218,353        28.34
债券投资                       1,578,357           1,434,230        10.05
其他业务                         423,725             198,990       112.94
合计                          12,820,274           8,132,574        57.64
    报告期内,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的增长,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1-9月份         2003年1-9月份   增减(%)
营业利润                       2,114,779             1,474,095      43.46
营业收入                      12,820,274             8,132,574      57.64
毛利率(%)                          16.50                 18.13
    报告期内,由于坚持审慎的经营原则及监管成本加大,导致本公司经营成本上升,毛利率有所下降。
    (二)重大事项及其影响和解决方案的分析说明
    1、2004年7月5日,公司接到股东“东方集团股份有限公司”的通知,经中国银监会和中华人民共和国商务部批准,该公司将其所持本公司341,084,250股中的56,043,880股转让给国际金融公司(IFC)。2004年7月2日,该项股权转让已完成在中国证券登记结算有限责任公司上海分公司有关过户的法律手续。国际金融公司受让该项股权后,持有公司股份56,043,880股,占公司总股本的1.08%。详见2004年7月6日《中国证券报》、《上海证券报》和《证券时报》。
    2、2004年7月7日,公司接到法人股股东“中国中煤能源集团公司”的通知,经该公司与美国新桥投资集团友好协商,签署了《补充协议》,同意终止原股份转让协议。中国中煤能源集团公司曾于2004年1月29日与美国新桥投资集团签署了《股份转让协议》,拟将其所持公司17,491.50万股国有法人股全部转让给美国新桥投资集团。详见2004年7月10日《中国证券报》、《上海证券报》和《证券时报》。2004年3月8日本公司董事会三届六次会议通过了《关于同意吸收美国新桥投资集团入股本行的决议》,该事项已公告于2004年3月10日《中国证券报》、《上海证券报》和《证券时报》。
    3、2004年7月14日,公司发布总行迁址公告,自2004年7月20日起,中国民生银行股份有限公司总行办公地址将迁往北京市西城区复兴门内大街2号。详见2004年7月14日《中国证券报》、《上海证券报》和《证券时报》。
    4、2004年7月19日,公司第三届董事会第十次会议采取通讯表决方式通过《关于设立中国民生银行股份有限公司泉州分行》和《关于设立中国民生银行股份有限公司温州分行的决议》。详见2004年7月19日《中国证券报》、《上海证券报》和《证券时报》。
    5、2004年7月27日,公司发布获准开办证券投资基金托管业务的公告。公司接中国证券监督管理委员会、中国银行业监督管理委员会《关于核准中国民生银行证券投资基金托管资格的通知》(证监基金字【2004】101号),批准公司证券投资基金托管人资格,同意公司开办证券投资基金托管业务。详见2004年7月27日《中国证券报》、《上海证券报》和《证券时报》。
    6、2004年8月8日,本公司第三届董事会第十一次会议通过《关于公司发行次级债券的决议》,详见2004年8月10日《中国证券报》、《上海证券报》和《证券时报》。
    7、2004年8月8日,本公司第三届董事会第十一次会议通过《中国民生银行呆帐核销管理办法》和《中国民生银行债务重组损失处理办法》。公司已经按照该办法的规定,于2004年9月份核销呆帐26,050万元。
    8、根据中国银行业监督管理委员会于2004年9月2日发布的《关于收取银行业机构监管费和业务监管费的通知》(银监发【2004】59号),本公司应在本年度按照上年末实收资本的0.08%缴纳机构监管费,并按照上年末资产总额的0.02%缴纳业务监管费。报告期本公司已按照通知规定计提机构监管费和业务监管费共计5,633万元。上述两项费用导致本公司报告期税后利润减少3,774万元。扣除该因素的影响,本公司前三季度税后利润为16.08亿元,比去年同期增长50.67%。
    9、2004年9月10日,本公司2004年第二次临时股东大会通过《关于公司发行次级债券的决议》,详见2004年9月11日《中国证券报》、《上海证券报》和《证券时报》。
    10、2004年10月16日,本公司第三届董事会第十三次会议以通讯方式审议决定通过《关于同意亚洲金融控股私人有限公司入股本行的决议》。按照相关规定,该股权转让事项需报中国银监会审核批准。详见2004年10月16日《中国证券报》、《上海证券报》和《证券时报》。
    (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10月28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9月30日
    单位名称:中国民生银行股份有限公司                            货币单位:人民币千元
                                                                   年初数
流动资产:
现金及银行存款                                                  1,066,223
存放中央银行款项                                               35,584,008
存放同业款项                                                   28,396,142
拆放同业                                                        5,137,022
拆放金融公司                                                    3,407,744
短期贷款                                                      104,444,517
进出口押汇                                                      1,356,354
应收利息                                                        1,233,408
其它应收款净额                                                    297,728
贴现                                                           21,621,964
短期投资                                                          793,099
买入返售                                                       18,535,339
一年内到期的长期债券投资                                        3,522,318
流动资产合计                                                  225,395,866
长期资产:
中长期贷款                                                     71,708,361
逾期贷款                                                          201,232
呆滞贷款                                                        2,433,604
呆帐贷款                                                            6,877
减:贷款呆帐准备                                               -3,349,846
长期债券投资                                                   60,805,593
长期股权投资                                                       50,000
固定资产原价                                                    2,082,929
减:累计折旧                                                     -460,775
固定资产减值准备                                                  -25,523
固定资产净值                                                    1,596,631
在建工程                                                        1,306,036
长期资产合计                                                  134,758,488
无形资产及其他资产:
无形资产                                                           34,756
长期待摊费用                                                      364,581
待处理抵债资产                                                    322,564
减:待处理抵债资产减值准备                                        -40,720
无形资产及其他资产合计                                            681,181
递延税项
递延税款借项                                                      228,875
资产总计                                                      361,064,410
 流动负债:
短期存款                                                      177,625,671
短期储蓄存款                                                   23,580,519
财政性存款                                                      4,421,935
向中央银行借款                                                    300,000
同业存放款项                                                   44,007,281
同业拆入                                                        3,139,640
卖出回购                                                       23,780,348
汇出汇款                                                          782,664
应解汇款及临时存款                                                711,137
存入短期保证金                                                 20,148,514
应付利息                                                        1,102,758
应付工资                                                          199,160
应付福利费                                                         39,692
应交税金                                                          396,671
 其他应付款                                                       746,920
应付股利                                                              732
预提费用                                                           20,081
流动负债合计                                                  301,003,723
长期负债:
长期存款                                                       46,185,897
长期储蓄存款                                                    1,918,648
存入长期保证金                                                    223,995
应付债券                                                        1,995,497
其它长期负债                                                       86,446
长期负债合计                                                   50,410,483
负债合计                                                      351,414,206
股东权益:
 股本                                                           3,625,259
资本公积                                                        4,061,730
盈余公积                                                          471,693
其中:公益金                                                      178,777
未分配利润                                                      1,494,044
资本折算差额                                                       -2,522
 股东权益合计                                                   9,650,204
负债和股东权益合计                                            361,064,410

                                                                   期末数
流动资产:
现金及银行存款                                                  2,388,875
存放中央银行款项                                               48,383,262
存放同业款项                                                   11,679,522
拆放同业                                                        7,267,796
拆放金融公司                                                    3,062,696
短期贷款                                                      128,550,530
进出口押汇                                                      2,061,451
应收利息                                                        1,343,769
其它应收款净额                                                  2,098,950
贴现                                                           21,536,337
短期投资                                                        5,392,208
买入返售                                                       10,271,312
一年内到期的长期债券投资                                        4,646,577
流动资产合计                                                  248,683,285
长期资产:
中长期贷款                                                    107,877,869
逾期贷款                                                        2,096,282
呆滞贷款                                                        2,907,427
呆帐贷款                                                            6,490
减:贷款呆帐准备                                               -4,424,085
长期债券投资                                                   59,455,383
长期股权投资                                                       50,000
固定资产原价                                                    3,036,254
减:累计折旧                                                     -628,210
固定资产减值准备                                                  -25,523
固定资产净值                                                    2,382,521
在建工程                                                        1,713,784
长期资产合计                                                  172,065,671
无形资产及其他资产:
无形资产                                                           63,186
长期待摊费用                                                      364,983
待处理抵债资产                                                    360,480
减:待处理抵债资产减值准备                                        -37,453
无形资产及其他资产合计                                            751,196
递延税项
递延税款借项                                                      295,348
资产总计                                                      421,795,500
流动负债:
短期存款                                                      222,558,695
短期储蓄存款                                                   29,227,856
财政性存款                                                      5,696,801
向中央银行借款                                                          -
同业存放款项                                                   32,096,620
同业拆入                                                          878,798
卖出回购                                                       10,921,818
汇出汇款                                                          764,888
应解汇款及临时存款                                                843,120
存入短期保证金                                                 28,959,037
应付利息                                                        1,741,510
应付工资                                                          221,447
应付福利费                                                         66,389
应交税金                                                          387,471
 其他应付款                                                     1,301,369
应付股利                                                           25,058
预提费用                                                           23,357
流动负债合计                                                  335,714,234
长期负债:
长期存款                                                       66,918,727
长期储蓄存款                                                    6,135,969
存入长期保证金                                                     91,518
应付债券                                                          311,476
其它长期负债                                                      184,164
长期负债合计                                                   73,641,854
负债合计                                                      409,356,088
股东权益:
 股本                                                           5,184,446
资本公积                                                        4,948,430
盈余公积                                                          471,693
其中:公益金                                                      178,777
未分配利润                                                      1,837,365
资本折算差额                                                       -2,522
股东权益合计                                                   12,439,412
负债和股东权益合计                                            421,795,500
    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:人民币千元
项目                                                          2004年7-9月
一、营业收入                                                    4,578,390
利息收入                                                        3,315,818
金融企业往来收入                                                  592,050
手续费收入                                                        117,666
汇兑收益                                                           32,329
投资收益                                                          513,445
其它营业收入                                                        7,082
二、营业支出                                                   -3,804,611
利息支出                                                       -1,433,111
金融企业往来支出                                                 -692,876
手续费支出                                                        -24,383
营业费用                                                       -1,201,945
其它营业支出                                                     -452,296
三、营业税金及附加                                               -187,005
四、营业利润                                                      586,774
加:营业外收入                                                      4,867
减:营业外支出                                                       -479
五、利润总额                                                      591,162
减:所得税                                                       -113,545
六、净利润                                                        477,617

项目                                                          2004年1-9月
一、营业收入                                                   12,820,274
利息收入                                                        9,254,509
金融企业往来收入                                                1,563,683
手续费收入                                                        252,309
汇兑收益                                                           83,602
投资收益                                                        1,578,357
其它营业收入                                                       87,814
二、营业支出                                                  -10,173,986
利息支出                                                       -3,937,353
金融企业往来支出                                               -2,027,004
手续费支出                                                        -57,846
营业费用                                                       -2,811,621
其它营业支出                                                   -1,340,162
三、营业税金及附加                                               -531,509
四、营业利润                                                    2,114,779
加:营业外收入                                                      6,814
减:营业外支出                                                     -3,920
五、利润总额                                                    2,117,673
减:所得税                                                       -547,262
六、净利润                                                      1,570,411

项目                                                          2003年7-9月
一、营业收入                                                    3,216,803
利息收入                                                        2,014,728
金融企业往来收入                                                  488,406
手续费收入                                                         31,269
汇兑收益                                                           32,238
投资收益                                                          614,816
其它营业收入                                                       35,346
二、营业支出                                                   -2,515,975
利息支出                                                         -961,049
金融企业往来支出                                                 -547,098
手续费支出                                                         -8,666
营业费用                                                         -594,763
其它营业支出                                                     -404,399
三、营业税金及附加                                               -117,275
四、营业利润                                                      583,553
加:营业外收入                                                      1,730
减:营业外支出                                                     -2,181
五、利润总额                                                      583,102
减:所得税                                                       -164,781
六、净利润                                                        418,321

项目                                                          2003年1-9月
一、营业收入                                                    8,132,574
利息收入                                                        5,281,001
金融企业往来收入                                                1,218,353
手续费收入                                                         73,009
汇兑收益                                                           64,850
投资收益                                                        1,434,230
其它营业收入                                                       61,131
二、营业支出                                                   -6,358,633
利息支出                                                       -2,510,206
金融企业往来支出                                               -1,176,230
手续费支出                                                        -93,213
营业费用                                                       -1,825,304
其它营业支出                                                     -753,680
三、营业税金及附加                                               -299,846
四、营业利润                                                    1,474,095
加:营业外收入                                                      4,803
减:营业外支出                                                     -6,332
五、利润总额                                                    1,472,566
减:所得税                                                       -405,289
六、净利润                                                      1,067,277
    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:人民币千元
项  目                                                       2004年1-9月
一、经营活动产生的现金流量
收回的中长期贷款                                               21,061,579
收回的贴现净额                                                     85,627
吸收的活期存款净额                                             25,523,256
吸收的活期存款以外的其他存款                                  281,283,623
拆放其他金融机构资金变动净额                                    6,478,301
收取的利息                                                      9,811,662
收取的手续费                                                      252,309
到期日超过三个月的存放同业款变动净额                            4,480,321
收到的其他与经营活动有关的现金                                    634,451
现金流入小计                                                  349,611,129
对外发放的中长期贷款                                          -59,897,489
对外发放的短期贷款净额                                        -24,811,110
支付的活期存款以外的其他存款                                 -221,191,472
一般存款准备金净额                                             -6,257,147
汇出汇款净额                                                      -17,776
同业存放款项变动净额                                          -11,910,661
向其他金融机构拆入的资金变动净额                              -15,419,372
支付的本票净额                                                 -1,432,846
支付的利息                                                     -4,470,916
支付的手续费                                                      -57,846
支付给职工以及为职工支付的现金                                 -1,033,774
支付的所得税款                                                   -641,188
支付的除所得税以外的其他税费                                     -513,256
支付的其他与经营活动有关的现金                                 -1,638,506
现金流出小计                                                 -349,293,359
经营活动产生的现金流量净额                                        317,770
二、投资活动产生的现金流量
收回投资所收到的现金                                           36,790,159
取得长期债券利息收入所收到的现金                                1,625,036
处置固定资产、无形资产和其他长期资产所收到的现金                    1,584
现金流入小计                                                   38,416,779
债券投资所支付的现金                                          -41,163,317
购建固定资产、无形资产和其他长期资产所支付的现金               -1,496,675
现金流出小计                                                  -42,659,992
投资活动产生的现金流量净额                                     -4,243,213
三、筹资活动产生的现金流量
发行可转换公司债券所收到的现金                                          -
可转换公司债券付息所支付的现金                                    -10,264
分配股利所支付的现金                                             -435,833
筹资活动产生的现金流量净额                                       -446,097
四、汇率变动对现金及现金等价物的影响额                                  -
五、现金及现金等价物净增加额                                   -4,371,540
    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:人民币千元
补充资料:                                                   2004年1-9月
1、将净利润调节为经营活动现金流量:
净利润                                                          1,570,411
加:计提的坏账准备                                                 12,554
计提的贷款损失准备                                              1,334,239
计提的固定资产减值准备                                                  -
转回的抵债资产减值准备                                             -3,267
固定资产折旧                                                      170,726
无形资产摊销                                                        5,736
长期待摊费用摊销及转出                                             95,982
处置固定资产、无形资产和其他长期资产的损失                            177
投资收益                                                       -1,578,357
可转换公司债券发行费用                                                  -
可转换公司债券利息费用                                              5,199
递延所得税                                                        -66,473
经营性应收项目的增加                                          -60,830,734
经营性应付项目的增加                                           59,601,577
经营活动产生的现金流量净额                                        317,770
2、不涉及现金收支的投资和筹资活动:
债务转为资本                                                      217,057
3、现金及现金等价物净增加情况:
现金的年末余额                                                  2,388,875
减:现金的年初余额                                             -1,066,223
加:现金等价物的年末余额                                       34,394,637
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                                       -4,371,540
    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)