新闻源 财富源

2019年09月21日 星期六

民生银行(600016)公告正文

中国民生银行股份有限公司2005年第三季度报告

公告日期:2005-10-28


                中国民生银行股份有限公司2005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。
    本季度报告于2005年10月27日公司第三届董事会第二十五次会议经通讯表决审议通过。本公司李安民董事和张克董事因出差未参加表决。
    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)
项   目                                                        本报告期末
总资产                                                        518,772,128
股东权益(不含少数股东权益)                                     14,831,766
每股净资产(元)                                                     2.36
调整后每股净资产(元)                                                 2.30
项     目                                                     2005年7-9月
经营活动产生的现金流量
每股收益(元)                                                         0.12
按最新股本计算每股收益(元)                                           0.12
净资产收益率(%)                                                      4.88
扣除非经常性损益后净资产收益率(%)                                    4.88

                                                               上年度期末
项   目
总资产                                                        445,398,682
股东权益(不含少数股东权益)                                     12,907,158
每股净资产(元)                                                     2.49
调整后每股净资产(元)                                                 2.42
项     目                                                     2005年1-9月
经营活动产生的现金流量                                         -1,255,889
每股收益(元)                                                         0.32
按最新股本计算每股收益(元)                                           0.32
净资产收益率(%)                                                     13.43
扣除非经常性损益后净资产收益率(%)                                   13.42

                                                         本报告期末比上年
项   目                                                  度期末增减(%)
总资产                                                              16.47
股东权益(不含少数股东权益)                                          14.91
每股净资产(元)                                                    -5.22
调整后每股净资产(元)                                                -4.96
项     目                                                  本报告期比上年
                                                           同期增减(%)
经营活动产生的现金流量
每股收益(元)                                                        33.33
按最新股本计算每股收益(元)                                          33.33
净资产收益率(%)                                            增加1.04百分点
扣除非经常性损益后净资产收益率(%)                          增加1.06百分点
    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",截止2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),总股本数达到了6,284,495,595股。
非经常性损益项目                                       金额(人民币千元)
营业外收入                                                          5,233
其中:固定资产清理收入                                                828
罚款收入                                                            1,868
其他收入                                                            2,537
营业外支出                                                         -2,506
其中:固定资产清理损失                                                -30
抵债资产折价损失                                                      -17
其他支出                                                           -2,459
非经常性损益项目所得税影响数                                         -900
合计                                                                1,827
    2.利润表(未经审计)
                                                      (单位:人民币千元)
项目                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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)                                            263,978
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                                            434,551,830
中国泛海控股有限公司                                          409,301,100
中国船东互保协会                                              348,510,367
东方集团股份有限公司                                          342,048,444
中国中小企业投资有限公司                                      315,098,878
厦门福信集团有限公司                                          300,049,191
ASIA FINANCIAL HOLDINGS PTE. LTD.                             283,362,300
上海健特生物科技有限公司                                      233,175,688
四川南方希望实业有限公司                                      204,587,581
哈尔滨岁宝热电股份有限公司                                    157,423,500
合计                                                        3,028,108,879

股东名称                                                         占总股本
新希望投资有限公司                                                  6.91%
中国泛海控股有限公司                                                6.51%
中国船东互保协会                                                    5.55%
东方集团股份有限公司                                                5.44%
中国中小企业投资有限公司                                            5.01%
厦门福信集团有限公司                                                4.77%
ASIA FINANCIAL HOLDINGS PTE. LTD.                                   4.51%
上海健特生物科技有限公司                                            3.71%
四川南方希望实业有限公司                                            3.26%
哈尔滨岁宝热电股份有限公司                                          2.50%
合计                                                               48.18%

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
ASIA FINANCIAL HOLDINGS PTE. LTD.                                  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
哈尔滨岁宝热电股份有限公司                                         法人股
合计
    注:2005年9月23日本公司股东"中国船东互保协会"受让本公司股东"北京理想产业发展有限公司"股票16,529,467股,其持股数增加为348,510,367股,占总股本的5.55%。
    (2)前十名流通股股东持股表
前十名流通股股东持股情况
股东名称(全称)                                       期末持有流通股数量
                                                                   (股)
上证50交易型开放式指数证券投资基金                             51,534,305
交通银行-易方达50指数证券投资基金                             51,302,364
中信经典配置证券投资基金                                       19,862,939
普丰证券投资基金                                               16,481,188
鹏华行业成长证券投资基金                                       15,965,490
嘉实服务增值行业证券投资基金                                   15,131,219
海通证券股份有限公司                                           14,029,383
南方稳健成长证券投资基金                                       13,701,822
CITIGROUP GLOBAL MARKETS LIMITED                               12,368,748
长江证券有限责任公司                                           11,707,879

股东名称(全称)                                                 股份种类
上证50交易型开放式指数证券投资基金                                    A股
交通银行-易方达50指数证券投资基金                                    A股
中信经典配置证券投资基金                                              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
嘉实服务增值行业证券投资基金                                          A股
海通证券股份有限公司                                                  A股
南方稳健成长证券投资基金                                              A股
CITIGROUP GLOBAL MARKETS LIMITED                                      A股
长江证券有限责任公司                                                  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)                                                  377
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)
全国社保基金一零九组合                                          3,486,000
庄妙妹                                                          1,319,000
陈雁文                                                          1,318,000
国泰君安-建行-香港上海汇丰
银行有限公司                                                    1,077,000
冷志成                                                            590,000
柳徽                                                              500,000
吕延龄                                                            444,000
张颖                                                              364,000
陈灶新                                                            200,000
张凤伟                                                            180,000

可转换公司债券持有人名称                                       占总发行额
全国社保基金一零九组合                                            0.0872%
庄妙妹                                                            0.0330%
陈雁文                                                            0.0330%
国泰君安-建行-香港上海汇丰
银行有限公司                                                      0.0269%
冷志成                                                            0.0148%
柳徽                                                              0.0125%
吕延龄                                                            0.0111%
张颖                                                              0.0091%
陈灶新                                                            0.0050%
张凤伟                                                            0.0045%

可转换公司债券持有人名称                                         股份类别
全国社保基金一零九组合                                             可转债
庄妙妹                                                             可转债
陈雁文                                                             可转债
国泰君安-建行-香港上海汇丰
银行有限公司                                                       可转债
冷志成                                                             可转债
柳徽                                                               可转债
吕延龄                                                             可转债
张颖                                                               可转债
陈灶新                                                             可转债
张凤伟                                                             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2002年度利润分配及公积金转增方案后,转股价格调整为7.73元。在2004年4月16日实施2003年度利润分配及公积金转增方案后,转股价格调整为5.64元。公司在2005年4月18日实施2004年度每10股派发现金0.70元、送红股2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5.64元调整为每股人民币4.64元,详见2005年4月12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2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),占本公司总股本13.32%;尚有15,766,000元的"民生转债"未转股,占民生转债发行总量的0.39%。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
    截止2005年9月30日,本公司总资产达到5187.72亿元,比2004年12月31日增加733.73亿元,增长16.47%。各项贷款余额3552.16亿元,比2004年12月31日增加668.54亿元,增长23.18%。各项存款余额4511.94亿元,比2004年12月31日增加711.50亿元,增长18.72%。股东权益148.32亿元,每股净资产2.36元,每股收益0.32元。按照五级分类口径,不良贷款余额为48.13亿元,不良贷款率为1.35%。
    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
总资产                                                        518,772,128
各项贷款                                                      355,215,711
其中:个人贷款                                                 53,308,600
各项存款                                                      451,194,020
其中:储蓄存款                                                 64,588,111

                                                                   年初数
总资产                                                        445,398,682
各项贷款                                                      288,362,143
其中:个人贷款                                                 42,983,261
各项存款                                                      380,044,302
其中:储蓄存款                                                 43,515,948

                                                                  增长(%)
总资产                                                              16.47
各项贷款                                                            23.18
其中:个人贷款                                                      24.02
各项存款                                                            18.72
其中:储蓄存款                                                      48.42
    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                                                     2005年1-9月份
                                                                     金额
营业利润                                                        3,087,191
其中:投资收益                                                  1,866,810
营业外收支净额                                                      2,727
利润总额                                                        3,089,918

项   目                                                     2005年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      60.47
营业外收支净额                                                       0.14
利润总额                                                           100.00

项   目                                                     2004年1-9月份
                                                                     金额
营业利润                                                        2,114,779
其中:投资收益                                                  1,578,357
营业外收支净额                                                      2,894
利润总额                                                        2,117,673

项   目                                                     2004年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      74.63
营业外收支净额                                                       0.14
利润总额                                                           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                                                    2005年1-9月份
贷款                                                           12,776,404
拆借、存放等同业业务                                            2,228,263
债券投资                                                        1,866,810
其他业务                                                          375,108
合计                                                           17,246,585

业务种类                                                    2004年1-9月份
贷款                                                            9,254,509
拆借、存放等同业业务                                            1,563,683
债券投资                                                        1,578,357
其他业务                                                          423,725
合计                                                           12,820,274

业务种类                                                          增减(%)
贷款                                                                38.06
拆借、存放等同业业务                                                42.50
债券投资                                                            18.28
其他业务                                                           -11.47
合计                                                                34.53
    报告期内,由于业务规模的增加导致主营业务收入增长较快。
    5.主营业务盈利能力变动情况
                                                     (单位:人民币千元)
                                                            2005年1-9月份
营业利润                                                        3,087,191
营业收入                                                       17,246,585
毛利率(%)                                                           17.90

                                                            2004年1-9月份
营业利润                                                        2,114,779
营业收入                                                       12,820,274
毛利率(%)                                                           16.50

                                                                  增减(%)
营业利润                                                            45.98
营业收入                                                            34.53
毛利率(%)
    (二)重大事项及其影响和解决方案的分析说明
    1、本公司自2005年7月1日开始按照《金融企业呆账准备提取管理办法》(财金〔2005〕49号)和《财政部关于呆账准备提取有关问题的通知》(财金〔2005〕90号)的有关规定提取呆账准备,执行上述文件对本公司2005年度盈利状况无重大影响。
    2、2005年7月14日,公司获中国银监会银发[2005]133号文批准从事短期融资券承销业务。详见2005年7月14日《中国证券报》、《上海证券报》和《证券时报》。
    3、2005年7月15日,本公司苏州分行获中国银监会江苏监管局(苏银监复[2005]147号)批准开业。详见2005年7月15日《中国证券报》、《上海证券报》和《证券时报》。
    4、2005年7月21日,中国人民银行发布"关于完善人民币汇率形成机制改革的公告"(〔2005〕第16号)宣布我国开始实行以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。此次汇率调整对本公司当前的业务未造成实质性影响,但是我们将严密监控汇率变化对银行业务和财务状况的影响。
    5、2005年9月12日,公司第三届董事会第一次临时会议通过《关于资本公积金转增股本预案的决议》等相关决议,发布股权分置改革方案,拟通过资本公积金转增股本来实现非流通股东向流通股东支付的对价,并决定将该方案提交提交2005年第一次临时股东大会暨相关股东会议审议。详见2005年9月12日《中国证券报》、《上海证券报》、《证券时报》和上海证券交易所网站www.sse.com.cn)。
    (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
    2005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)
    2005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:千元
                                                                   年初数
流动资产:
现金及银行存款                                                  1,471,945
存放中央银行款项                                               40,653,237
存放同业款项                                                   12,077,177
拆放同业及其他金融机构                                         11,242,368
短期贷款                                                      136,454,464
进出口押汇                                                      1,520,084
应收利息                                                        1,382,801
其他应收款                                                        612,059
贴现                                                           29,940,167
短期投资                                                       10,335,234
买入返售                                                       11,518,877
一年内到期的长期债券投资                                        3,688,295
流动资产合计                                                  260,896,708
长期资产:
中长期贷款                                                    117,050,744
逾期贷款                                                        3,396,684
减:贷款损失准备                                               -4,247,700
长期债券投资                                                   62,363,058
长期股权投资                                                       50,000
固定资产                                                        2,698,034
在建工程                                                        1,589,236
长期资产合计                                                  182,900,056
无形资产及其他资产:
无形资产                                                           69,545
长期待摊费用                                                      372,651
待处理抵债资产                                                    776,572
无形资产及其他资产合计                                          1,218,768
递延税项:
递延税款借项                                                      383,150
资产总计                                                      445,398,682
流动负债:
短期存款                                                      229,109,497
短期储蓄存款                                                   36,094,772
财政性存款                                                      5,080,466
同业存放款项                                                   33,814,366
同业拆入                                                        1,219,919
卖出回购                                                        6,965,915
汇出汇款                                                          367,674
应解汇款及临时存款                                                377,077
存入短期保证金                                                 35,432,961
应付利息                                                        1,632,185
应付工资                                                          339,505
应付福利费                                                         70,414
应交税金                                                          618,133
其他应付款                                                        978,164
应付股利                                                           24,535
预提费用                                                           24,090
流动负债合计                                                  352,149,673
长期负债:
长期存款                                                       66,345,140
长期储蓄存款                                                    7,421,176
存入长期保证金                                                    220,375
应付可转换公司债券                                                312,769
应付次级债券                                                    5,847,526
其他长期负债                                                      194,865
长期负债合计                                                   80,341,851
负债合计                                                      432,491,524
股东权益:
股本                                                            5,184,447
资本公积                                                        4,948,491
盈余公积                                                          777,453
未分配利润                                                      1,999,595
外币折算差额                                                      (2,828)
股东权益合计                                                   12,907,158
负债和股东权益总计                                            445,398,682

                                                                   期末数
流动资产:
现金及银行存款                                                  2,455,601
存放中央银行款项                                               50,597,678
存放同业款项                                                   17,456,723
拆放同业及其他金融机构                                          7,881,594
短期贷款                                                      162,235,296
进出口押汇                                                      2,436,576
应收利息                                                        1,474,682
其他应收款                                                      3,029,399
贴现                                                           43,709,674
短期投资                                                       11,291,810
买入返售                                                        5,769,826
一年内到期的长期债券投资                                        5,914,006
流动资产合计                                                  314,252,865
长期资产:
中长期贷款                                                    140,971,808
逾期贷款                                                        5,862,357
减:贷款损失准备                                               -5,286,367
长期债券投资                                                   56,745,020
长期股权投资                                                       50,000
固定资产                                                        2,827,586
在建工程                                                        1,708,270
长期资产合计                                                  202,878,674
无形资产及其他资产:
无形资产                                                          105,764
长期待摊费用                                                      331,748
待处理抵债资产                                                    795,514
无形资产及其他资产合计                                          1,233,026
递延税项:
递延税款借项                                                      407,563
资产总计                                                      518,772,128
流动负债:
短期存款                                                      255,335,473
短期储蓄存款                                                   54,742,023
财政性存款                                                      9,493,699
同业存放款项                                                   34,462,440
同业拆入                                                          413,825
卖出回购                                                        3,332,077
汇出汇款                                                          752,786
应解汇款及临时存款                                              1,100,210
存入短期保证金                                                 51,218,386
应付利息                                                        2,470,401
应付工资                                                          450,131
应付福利费                                                        103,604
应交税金                                                          882,630
其他应付款                                                      2,828,068
应付股利                                                           58,020
预提费用                                                           37,176
流动负债合计                                                  417,680,949
长期负债:
长期存款                                                       69,973,774
长期储蓄存款                                                    9,846,088
存入长期保证金                                                     19,147
应付可转换公司债券                                                 15,916
应付次级债券                                                    6,061,394
其他长期负债                                                      343,094
长期负债合计                                                   86,259,413
                                                                        -
负债合计                                                      503,940,362
股东权益:
股本                                                            6,284,496
资本公积                                                        5,180,959
盈余公积                                                          777,453
未分配利润                                                      2,591,686
外币折算差额                                                      (2,828)
股东权益合计                                                   14,831,766
负债和股东权益总计                                            518,772,128
    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                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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
项  目                                                       2005年1-9月
一、经营活动产生的现金流量
收回的中长期贷款                                               31,398,416
吸收的活期存款净额                                             14,435,419
吸收的活期存款以外的其他存款                                  413,829,944
收取的利息                                                     14,915,822
收取的手续费                                                      283,127
同业存放款项净额                                                  648,074
到期日超过三个月买入返售净额                                    3,728,081
到期日超过三个月的拆放同业及其他金融机构款项净额                1,785,530
汇出汇款净额                                                      385,112
未解付本票净额                                                    546,164
收到的其他与经营活动有关的现金                                  1,522,043
现金流入小计                                                  483,477,732
对外发放的中长期贷款                                          -58,184,822
对外发放的短期贷款净额                                        -26,697,324
对外发放的贴现净额                                            -13,769,507
支付的活期存款以外的其他存款                                 -358,166,800
一般存款准备金净额                                             -8,144,913
到期日超过三个月的存放同业款项净额                             -2,525,176
向其他金融机构拆入的资金净额                                   -4,439,932
支付的利息                                                     -6,864,802
支付的手续费                                                      -81,981
支付给职工以及为职工支付的现金                                 -1,595,733
支付的所得税款                                                   -891,130
支付的除所得税以外的其他税费                                     -692,389
支付的其他与经营活动有关的现金                                 -2,679,112
现金流出小计                                                 -484,733,621
经营活动产生的现金流量净额                                     -1,255,889
二、投资活动产生的现金流量
收回投资所收到的现金                                           32,902,182
取得长期债券利息收入所收到的现金                                1,858,452
处置固定资产、无形资产和其他长期资产所收到的现金                   56,940
现金流入小计                                                   34,817,574
债券投资所支付的现金                                          -30,409,121
购建固定资产、无形资产和其他长期资产所支付的现金                 -775,737
现金流出小计                                                  -31,184,858
投资活动产生的现金流量净额                                      3,632,716
三、筹资活动产生的现金流量
可转换公司债券付息所支付的现金                                     -5,916
分配股利所支付的现金                                             -329,446
筹资活动产生的现金流量净额                                       -335,362
四、现金及现金等价物净增加额                                    2,041,465
    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
补充资料:                                                   2005年1-9月
1、将净利润调节为经营活动现金流量:
净利润                                                          1,991,967
加:计提的坏账准备                                                  7,136
计提的贷款损失准备                                              1,402,837
转回的抵债资产减值准备                                             16,557
固定资产折旧                                                      239,941
无形资产摊销                                                       10,267
长期待摊费用摊销及转出                                            101,556
处置固定资产、无形资产和其他长期资产的损失                           -131
投资收益                                                       -1,866,810
可转换公司债券利息费用                                              4,635
次级债券利息费用                                                  213,868
递延所得税                                                        -24,413
经营性应收项目的增加                                          -74,493,956
经营性应付项目的增加                                           71,140,657
经营活动产生的现金流量净额                                     -1,255,889
2、不涉及现金收支的投资和筹资活动:
债务转为资本                                                      295,572
3、现金及现金等价物净增加情况:
现金的年末余额                                                  4,507,065
减:现金的年初余额                                             -3,523,409
加:现金等价物的年末余额                                      106,809,368
减:现金等价物的年初余额                                     -105,751,559
现金及现金等价物净增加额                                        2,041,465
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平
                  摘自2005.10.28《上海证券报》                 中国民生银行股份有限公司2005年第3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。
    本季度报告于2005年10月27日公司第三届董事会第二十五次会议经通讯表决审议通过。本公司李安民董事和张克董事因出差未参加表决。
    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)
项   目                                                        本报告期末
总资产                                                        518,772,128
股东权益(不含少数股东权益)                                     14,831,766
每股净资产(元)                                                     2.36
调整后每股净资产(元)                                                 2.30
项     目                                                     2005年7-9月
经营活动产生的现金流量
每股收益(元)                                                         0.12
按最新股本计算每股收益(元)                                           0.12
净资产收益率(%)                                                      4.88
扣除非经常性损益后净资产收益率(%)                                    4.88

                                                               上年度期末
项   目
总资产                                                        445,398,682
股东权益(不含少数股东权益)                                     12,907,158
每股净资产(元)                                                     2.49
调整后每股净资产(元)                                                 2.42
项     目                                                     2005年1-9月
经营活动产生的现金流量                                         -1,255,889
每股收益(元)                                                         0.32
按最新股本计算每股收益(元)                                           0.32
净资产收益率(%)                                                     13.43
扣除非经常性损益后净资产收益率(%)                                   13.42

                                                         本报告期末比上年
项   目                                                  度期末增减(%)
总资产                                                              16.47
股东权益(不含少数股东权益)                                          14.91
每股净资产(元)                                                    -5.22
调整后每股净资产(元)                                                -4.96
项     目                                                  本报告期比上年
                                                           同期增减(%)
经营活动产生的现金流量
每股收益(元)                                                        33.33
按最新股本计算每股收益(元)                                          33.33
净资产收益率(%)                                            增加1.04百分点
扣除非经常性损益后净资产收益率(%)                          增加1.06百分点
    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",截止2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),总股本数达到了6,284,495,595股。
非经常性损益项目                                       金额(人民币千元)
营业外收入                                                          5,233
其中:固定资产清理收入                                                828
罚款收入                                                            1,868
其他收入                                                            2,537
营业外支出                                                         -2,506
其中:固定资产清理损失                                                -30
抵债资产折价损失                                                      -17
其他支出                                                           -2,459
非经常性损益项目所得税影响数                                         -900
合计                                                                1,827
    2.利润表(未经审计)
                                                      (单位:人民币千元)
项目                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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)                                            263,978
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                                            434,551,830
中国泛海控股有限公司                                          409,301,100
中国船东互保协会                                              348,510,367
东方集团股份有限公司                                          342,048,444
中国中小企业投资有限公司                                      315,098,878
厦门福信集团有限公司                                          300,049,191
ASIA FINANCIAL HOLDINGS PTE. LTD.                             283,362,300
上海健特生物科技有限公司                                      233,175,688
四川南方希望实业有限公司                                      204,587,581
哈尔滨岁宝热电股份有限公司                                    157,423,500
合计                                                        3,028,108,879

股东名称                                                         占总股本
新希望投资有限公司                                                  6.91%
中国泛海控股有限公司                                                6.51%
中国船东互保协会                                                    5.55%
东方集团股份有限公司                                                5.44%
中国中小企业投资有限公司                                            5.01%
厦门福信集团有限公司                                                4.77%
ASIA FINANCIAL HOLDINGS PTE. LTD.                                   4.51%
上海健特生物科技有限公司                                            3.71%
四川南方希望实业有限公司                                            3.26%
哈尔滨岁宝热电股份有限公司                                          2.50%
合计                                                               48.18%

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
ASIA FINANCIAL HOLDINGS PTE. LTD.                                  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
哈尔滨岁宝热电股份有限公司                                         法人股
合计
    注:2005年9月23日本公司股东"中国船东互保协会"受让本公司股东"北京理想产业发展有限公司"股票16,529,467股,其持股数增加为348,510,367股,占总股本的5.55%。
    (2)前十名流通股股东持股表
前十名流通股股东持股情况
股东名称(全称)                                       期末持有流通股数量
                                                                   (股)
上证50交易型开放式指数证券投资基金                             51,534,305
交通银行-易方达50指数证券投资基金                             51,302,364
中信经典配置证券投资基金                                       19,862,939
普丰证券投资基金                                               16,481,188
鹏华行业成长证券投资基金                                       15,965,490
嘉实服务增值行业证券投资基金                                   15,131,219
海通证券股份有限公司                                           14,029,383
南方稳健成长证券投资基金                                       13,701,822
CITIGROUP GLOBAL MARKETS LIMITED                               12,368,748
长江证券有限责任公司                                           11,707,879

股东名称(全称)                                                 股份种类
上证50交易型开放式指数证券投资基金                                    A股
交通银行-易方达50指数证券投资基金                                    A股
中信经典配置证券投资基金                                              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
嘉实服务增值行业证券投资基金                                          A股
海通证券股份有限公司                                                  A股
南方稳健成长证券投资基金                                              A股
CITIGROUP GLOBAL MARKETS LIMITED                                      A股
长江证券有限责任公司                                                  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)                                                  377
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)
全国社保基金一零九组合                                          3,486,000
庄妙妹                                                          1,319,000
陈雁文                                                          1,318,000
国泰君安-建行-香港上海汇丰
银行有限公司                                                    1,077,000
冷志成                                                            590,000
柳徽                                                              500,000
吕延龄                                                            444,000
张颖                                                              364,000
陈灶新                                                            200,000
张凤伟                                                            180,000

可转换公司债券持有人名称                                       占总发行额
全国社保基金一零九组合                                            0.0872%
庄妙妹                                                            0.0330%
陈雁文                                                            0.0330%
国泰君安-建行-香港上海汇丰
银行有限公司                                                      0.0269%
冷志成                                                            0.0148%
柳徽                                                              0.0125%
吕延龄                                                            0.0111%
张颖                                                              0.0091%
陈灶新                                                            0.0050%
张凤伟                                                            0.0045%

可转换公司债券持有人名称                                         股份类别
全国社保基金一零九组合                                             可转债
庄妙妹                                                             可转债
陈雁文                                                             可转债
国泰君安-建行-香港上海汇丰
银行有限公司                                                       可转债
冷志成                                                             可转债
柳徽                                                               可转债
吕延龄                                                             可转债
张颖                                                               可转债
陈灶新                                                             可转债
张凤伟                                                             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2002年度利润分配及公积金转增方案后,转股价格调整为7.73元。在2004年4月16日实施2003年度利润分配及公积金转增方案后,转股价格调整为5.64元。公司在2005年4月18日实施2004年度每10股派发现金0.70元、送红股2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5.64元调整为每股人民币4.64元,详见2005年4月12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2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),占本公司总股本13.32%;尚有15,766,000元的"民生转债"未转股,占民生转债发行总量的0.39%。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
    截止2005年9月30日,本公司总资产达到5187.72亿元,比2004年12月31日增加733.73亿元,增长16.47%。各项贷款余额3552.16亿元,比2004年12月31日增加668.54亿元,增长23.18%。各项存款余额4511.94亿元,比2004年12月31日增加711.50亿元,增长18.72%。股东权益148.32亿元,每股净资产2.36元,每股收益0.32元。按照五级分类口径,不良贷款余额为48.13亿元,不良贷款率为1.35%。
    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
总资产                                                        518,772,128
各项贷款                                                      355,215,711
其中:个人贷款                                                 53,308,600
各项存款                                                      451,194,020
其中:储蓄存款                                                 64,588,111

                                                                   年初数
总资产                                                        445,398,682
各项贷款                                                      288,362,143
其中:个人贷款                                                 42,983,261
各项存款                                                      380,044,302
其中:储蓄存款                                                 43,515,948

                                                                  增长(%)
总资产                                                              16.47
各项贷款                                                            23.18
其中:个人贷款                                                      24.02
各项存款                                                            18.72
其中:储蓄存款                                                      48.42
    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                                                     2005年1-9月份
                                                                     金额
营业利润                                                        3,087,191
其中:投资收益                                                  1,866,810
营业外收支净额                                                      2,727
利润总额                                                        3,089,918

项   目                                                     2005年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      60.47
营业外收支净额                                                       0.14
利润总额                                                           100.00

项   目                                                     2004年1-9月份
                                                                     金额
营业利润                                                        2,114,779
其中:投资收益                                                  1,578,357
营业外收支净额                                                      2,894
利润总额                                                        2,117,673

项   目                                                     2004年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      74.63
营业外收支净额                                                       0.14
利润总额                                                           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                                                    2005年1-9月份
贷款                                                           12,776,404
拆借、存放等同业业务                                            2,228,263
债券投资                                                        1,866,810
其他业务                                                          375,108
合计                                                           17,246,585

业务种类                                                    2004年1-9月份
贷款                                                            9,254,509
拆借、存放等同业业务                                            1,563,683
债券投资                                                        1,578,357
其他业务                                                          423,725
合计                                                           12,820,274

业务种类                                                          增减(%)
贷款                                                                38.06
拆借、存放等同业业务                                                42.50
债券投资                                                            18.28
其他业务                                                           -11.47
合计                                                                34.53
    报告期内,由于业务规模的增加导致主营业务收入增长较快。
    5.主营业务盈利能力变动情况
                                                     (单位:人民币千元)
                                                            2005年1-9月份
营业利润                                                        3,087,191
营业收入                                                       17,246,585
毛利率(%)                                                           17.90

                                                            2004年1-9月份
营业利润                                                        2,114,779
营业收入                                                       12,820,274
毛利率(%)                                                           16.50

                                                                  增减(%)
营业利润                                                            45.98
营业收入                                                            34.53
毛利率(%)
    (二)重大事项及其影响和解决方案的分析说明
    1、本公司自2005年7月1日开始按照《金融企业呆账准备提取管理办法》(财金〔2005〕49号)和《财政部关于呆账准备提取有关问题的通知》(财金〔2005〕90号)的有关规定提取呆账准备,执行上述文件对本公司2005年度盈利状况无重大影响。
    2、2005年7月14日,公司获中国银监会银发[2005]133号文批准从事短期融资券承销业务。详见2005年7月14日《中国证券报》、《上海证券报》和《证券时报》。
    3、2005年7月15日,本公司苏州分行获中国银监会江苏监管局(苏银监复[2005]147号)批准开业。详见2005年7月15日《中国证券报》、《上海证券报》和《证券时报》。
    4、2005年7月21日,中国人民银行发布"关于完善人民币汇率形成机制改革的公告"(〔2005〕第16号)宣布我国开始实行以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。此次汇率调整对本公司当前的业务未造成实质性影响,但是我们将严密监控汇率变化对银行业务和财务状况的影响。
    5、2005年9月12日,公司第三届董事会第一次临时会议通过《关于资本公积金转增股本预案的决议》等相关决议,发布股权分置改革方案,拟通过资本公积金转增股本来实现非流通股东向流通股东支付的对价,并决定将该方案提交提交2005年第一次临时股东大会暨相关股东会议审议。详见2005年9月12日《中国证券报》、《上海证券报》、《证券时报》和上海证券交易所网站www.sse.com.cn)。
    (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
    2005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)
    2005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:千元
                                                                   年初数
流动资产:
现金及银行存款                                                  1,471,945
存放中央银行款项                                               40,653,237
存放同业款项                                                   12,077,177
拆放同业及其他金融机构                                         11,242,368
短期贷款                                                      136,454,464
进出口押汇                                                      1,520,084
应收利息                                                        1,382,801
其他应收款                                                        612,059
贴现                                                           29,940,167
短期投资                                                       10,335,234
买入返售                                                       11,518,877
一年内到期的长期债券投资                                        3,688,295
流动资产合计                                                  260,896,708
长期资产:
中长期贷款                                                    117,050,744
逾期贷款                                                        3,396,684
减:贷款损失准备                                               -4,247,700
长期债券投资                                                   62,363,058
长期股权投资                                                       50,000
固定资产                                                        2,698,034
在建工程                                                        1,589,236
长期资产合计                                                  182,900,056
无形资产及其他资产:
无形资产                                                           69,545
长期待摊费用                                                      372,651
待处理抵债资产                                                    776,572
无形资产及其他资产合计                                          1,218,768
递延税项:
递延税款借项                                                      383,150
资产总计                                                      445,398,682
流动负债:
短期存款                                                      229,109,497
短期储蓄存款                                                   36,094,772
财政性存款                                                      5,080,466
同业存放款项                                                   33,814,366
同业拆入                                                        1,219,919
卖出回购                                                        6,965,915
汇出汇款                                                          367,674
应解汇款及临时存款                                                377,077
存入短期保证金                                                 35,432,961
应付利息                                                        1,632,185
应付工资                                                          339,505
应付福利费                                                         70,414
应交税金                                                          618,133
其他应付款                                                        978,164
应付股利                                                           24,535
预提费用                                                           24,090
流动负债合计                                                  352,149,673
长期负债:
长期存款                                                       66,345,140
长期储蓄存款                                                    7,421,176
存入长期保证金                                                    220,375
应付可转换公司债券                                                312,769
应付次级债券                                                    5,847,526
其他长期负债                                                      194,865
长期负债合计                                                   80,341,851
负债合计                                                      432,491,524
股东权益:
股本                                                            5,184,447
资本公积                                                        4,948,491
盈余公积                                                          777,453
未分配利润                                                      1,999,595
外币折算差额                                                      (2,828)
股东权益合计                                                   12,907,158
负债和股东权益总计                                            445,398,682

                                                                   期末数
流动资产:
现金及银行存款                                                  2,455,601
存放中央银行款项                                               50,597,678
存放同业款项                                                   17,456,723
拆放同业及其他金融机构                                          7,881,594
短期贷款                                                      162,235,296
进出口押汇                                                      2,436,576
应收利息                                                        1,474,682
其他应收款                                                      3,029,399
贴现                                                           43,709,674
短期投资                                                       11,291,810
买入返售                                                        5,769,826
一年内到期的长期债券投资                                        5,914,006
流动资产合计                                                  314,252,865
长期资产:
中长期贷款                                                    140,971,808
逾期贷款                                                        5,862,357
减:贷款损失准备                                               -5,286,367
长期债券投资                                                   56,745,020
长期股权投资                                                       50,000
固定资产                                                        2,827,586
在建工程                                                        1,708,270
长期资产合计                                                  202,878,674
无形资产及其他资产:
无形资产                                                          105,764
长期待摊费用                                                      331,748
待处理抵债资产                                                    795,514
无形资产及其他资产合计                                          1,233,026
递延税项:
递延税款借项                                                      407,563
资产总计                                                      518,772,128
流动负债:
短期存款                                                      255,335,473
短期储蓄存款                                                   54,742,023
财政性存款                                                      9,493,699
同业存放款项                                                   34,462,440
同业拆入                                                          413,825
卖出回购                                                        3,332,077
汇出汇款                                                          752,786
应解汇款及临时存款                                              1,100,210
存入短期保证金                                                 51,218,386
应付利息                                                        2,470,401
应付工资                                                          450,131
应付福利费                                                        103,604
应交税金                                                          882,630
其他应付款                                                      2,828,068
应付股利                                                           58,020
预提费用                                                           37,176
流动负债合计                                                  417,680,949
长期负债:
长期存款                                                       69,973,774
长期储蓄存款                                                    9,846,088
存入长期保证金                                                     19,147
应付可转换公司债券                                                 15,916
应付次级债券                                                    6,061,394
其他长期负债                                                      343,094
长期负债合计                                                   86,259,413
                                                                        -
负债合计                                                      503,940,362
股东权益:
股本                                                            6,284,496
资本公积                                                        5,180,959
盈余公积                                                          777,453
未分配利润                                                      2,591,686
外币折算差额                                                      (2,828)
股东权益合计                                                   14,831,766
负债和股东权益总计                                            518,772,128
    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                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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
项  目                                                       2005年1-9月
一、经营活动产生的现金流量
收回的中长期贷款                                               31,398,416
吸收的活期存款净额                                             14,435,419
吸收的活期存款以外的其他存款                                  413,829,944
收取的利息                                                     14,915,822
收取的手续费                                                      283,127
同业存放款项净额                                                  648,074
到期日超过三个月买入返售净额                                    3,728,081
到期日超过三个月的拆放同业及其他金融机构款项净额                1,785,530
汇出汇款净额                                                      385,112
未解付本票净额                                                    546,164
收到的其他与经营活动有关的现金                                  1,522,043
现金流入小计                                                  483,477,732
对外发放的中长期贷款                                          -58,184,822
对外发放的短期贷款净额                                        -26,697,324
对外发放的贴现净额                                            -13,769,507
支付的活期存款以外的其他存款                                 -358,166,800
一般存款准备金净额                                             -8,144,913
到期日超过三个月的存放同业款项净额                             -2,525,176
向其他金融机构拆入的资金净额                                   -4,439,932
支付的利息                                                     -6,864,802
支付的手续费                                                      -81,981
支付给职工以及为职工支付的现金                                 -1,595,733
支付的所得税款                                                   -891,130
支付的除所得税以外的其他税费                                     -692,389
支付的其他与经营活动有关的现金                                 -2,679,112
现金流出小计                                                 -484,733,621
经营活动产生的现金流量净额                                     -1,255,889
二、投资活动产生的现金流量
收回投资所收到的现金                                           32,902,182
取得长期债券利息收入所收到的现金                                1,858,452
处置固定资产、无形资产和其他长期资产所收到的现金                   56,940
现金流入小计                                                   34,817,574
债券投资所支付的现金                                          -30,409,121
购建固定资产、无形资产和其他长期资产所支付的现金                 -775,737
现金流出小计                                                  -31,184,858
投资活动产生的现金流量净额                                      3,632,716
三、筹资活动产生的现金流量
可转换公司债券付息所支付的现金                                     -5,916
分配股利所支付的现金                                             -329,446
筹资活动产生的现金流量净额                                       -335,362
四、现金及现金等价物净增加额                                    2,041,465
    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
补充资料:                                                   2005年1-9月
1、将净利润调节为经营活动现金流量:
净利润                                                          1,991,967
加:计提的坏账准备                                                  7,136
计提的贷款损失准备                                              1,402,837
转回的抵债资产减值准备                                             16,557
固定资产折旧                                                      239,941
无形资产摊销                                                       10,267
长期待摊费用摊销及转出                                            101,556
处置固定资产、无形资产和其他长期资产的损失                           -131
投资收益                                                       -1,866,810
可转换公司债券利息费用                                              4,635
次级债券利息费用                                                  213,868
递延所得税                                                        -24,413
经营性应收项目的增加                                          -74,493,956
经营性应付项目的增加                                           71,140,657
经营活动产生的现金流量净额                                     -1,255,889
2、不涉及现金收支的投资和筹资活动:
债务转为资本                                                      295,572
3、现金及现金等价物净增加情况:
现金的年末余额                                                  4,507,065
减:现金的年初余额                                             -3,523,409
加:现金等价物的年末余额                                      106,809,368
减:现金等价物的年初余额                                     -105,751,559
现金及现金等价物净增加额                                        2,041,465
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平
                  摘自2005.10.28《上海证券报》                 中国民生银行股份有限公司2005年第3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。
    本季度报告于2005年10月27日公司第三届董事会第二十五次会议经通讯表决审议通过。本公司李安民董事和张克董事因出差未参加表决。
    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)
项   目                                                        本报告期末
总资产                                                        518,772,128
股东权益(不含少数股东权益)                                     14,831,766
每股净资产(元)                                                     2.36
调整后每股净资产(元)                                                 2.30
项     目                                                     2005年7-9月
经营活动产生的现金流量
每股收益(元)                                                         0.12
按最新股本计算每股收益(元)                                           0.12
净资产收益率(%)                                                      4.88
扣除非经常性损益后净资产收益率(%)                                    4.88

                                                               上年度期末
项   目
总资产                                                        445,398,682
股东权益(不含少数股东权益)                                     12,907,158
每股净资产(元)                                                     2.49
调整后每股净资产(元)                                                 2.42
项     目                                                     2005年1-9月
经营活动产生的现金流量                                         -1,255,889
每股收益(元)                                                         0.32
按最新股本计算每股收益(元)                                           0.32
净资产收益率(%)                                                     13.43
扣除非经常性损益后净资产收益率(%)                                   13.42

                                                         本报告期末比上年
项   目                                                  度期末增减(%)
总资产                                                              16.47
股东权益(不含少数股东权益)                                          14.91
每股净资产(元)                                                    -5.22
调整后每股净资产(元)                                                -4.96
项     目                                                  本报告期比上年
                                                           同期增减(%)
经营活动产生的现金流量
每股收益(元)                                                        33.33
按最新股本计算每股收益(元)                                          33.33
净资产收益率(%)                                            增加1.04百分点
扣除非经常性损益后净资产收益率(%)                          增加1.06百分点
    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",截止2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),总股本数达到了6,284,495,595股。
非经常性损益项目                                       金额(人民币千元)
营业外收入                                                          5,233
其中:固定资产清理收入                                                828
罚款收入                                                            1,868
其他收入                                                            2,537
营业外支出                                                         -2,506
其中:固定资产清理损失                                                -30
抵债资产折价损失                                                      -17
其他支出                                                           -2,459
非经常性损益项目所得税影响数                                         -900
合计                                                                1,827
    2.利润表(未经审计)
                                                      (单位:人民币千元)
项目                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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)                                            263,978
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                                            434,551,830
中国泛海控股有限公司                                          409,301,100
中国船东互保协会                                              348,510,367
东方集团股份有限公司                                          342,048,444
中国中小企业投资有限公司                                      315,098,878
厦门福信集团有限公司                                          300,049,191
ASIA FINANCIAL HOLDINGS PTE. LTD.                             283,362,300
上海健特生物科技有限公司                                      233,175,688
四川南方希望实业有限公司                                      204,587,581
哈尔滨岁宝热电股份有限公司                                    157,423,500
合计                                                        3,028,108,879

股东名称                                                         占总股本
新希望投资有限公司                                                  6.91%
中国泛海控股有限公司                                                6.51%
中国船东互保协会                                                    5.55%
东方集团股份有限公司                                                5.44%
中国中小企业投资有限公司                                            5.01%
厦门福信集团有限公司                                                4.77%
ASIA FINANCIAL HOLDINGS PTE. LTD.                                   4.51%
上海健特生物科技有限公司                                            3.71%
四川南方希望实业有限公司                                            3.26%
哈尔滨岁宝热电股份有限公司                                          2.50%
合计                                                               48.18%

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
ASIA FINANCIAL HOLDINGS PTE. LTD.                                  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
哈尔滨岁宝热电股份有限公司                                         法人股
合计
    注:2005年9月23日本公司股东"中国船东互保协会"受让本公司股东"北京理想产业发展有限公司"股票16,529,467股,其持股数增加为348,510,367股,占总股本的5.55%。
    (2)前十名流通股股东持股表
前十名流通股股东持股情况
股东名称(全称)                                       期末持有流通股数量
                                                                   (股)
上证50交易型开放式指数证券投资基金                             51,534,305
交通银行-易方达50指数证券投资基金                             51,302,364
中信经典配置证券投资基金                                       19,862,939
普丰证券投资基金                                               16,481,188
鹏华行业成长证券投资基金                                       15,965,490
嘉实服务增值行业证券投资基金                                   15,131,219
海通证券股份有限公司                                           14,029,383
南方稳健成长证券投资基金                                       13,701,822
CITIGROUP GLOBAL MARKETS LIMITED                               12,368,748
长江证券有限责任公司                                           11,707,879

股东名称(全称)                                                 股份种类
上证50交易型开放式指数证券投资基金                                    A股
交通银行-易方达50指数证券投资基金                                    A股
中信经典配置证券投资基金                                              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
嘉实服务增值行业证券投资基金                                          A股
海通证券股份有限公司                                                  A股
南方稳健成长证券投资基金                                              A股
CITIGROUP GLOBAL MARKETS LIMITED                                      A股
长江证券有限责任公司                                                  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)                                                  377
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)
全国社保基金一零九组合                                          3,486,000
庄妙妹                                                          1,319,000
陈雁文                                                          1,318,000
国泰君安-建行-香港上海汇丰
银行有限公司                                                    1,077,000
冷志成                                                            590,000
柳徽                                                              500,000
吕延龄                                                            444,000
张颖                                                              364,000
陈灶新                                                            200,000
张凤伟                                                            180,000

可转换公司债券持有人名称                                       占总发行额
全国社保基金一零九组合                                            0.0872%
庄妙妹                                                            0.0330%
陈雁文                                                            0.0330%
国泰君安-建行-香港上海汇丰
银行有限公司                                                      0.0269%
冷志成                                                            0.0148%
柳徽                                                              0.0125%
吕延龄                                                            0.0111%
张颖                                                              0.0091%
陈灶新                                                            0.0050%
张凤伟                                                            0.0045%

可转换公司债券持有人名称                                         股份类别
全国社保基金一零九组合                                             可转债
庄妙妹                                                             可转债
陈雁文                                                             可转债
国泰君安-建行-香港上海汇丰
银行有限公司                                                       可转债
冷志成                                                             可转债
柳徽                                                               可转债
吕延龄                                                             可转债
张颖                                                               可转债
陈灶新                                                             可转债
张凤伟                                                             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2002年度利润分配及公积金转增方案后,转股价格调整为7.73元。在2004年4月16日实施2003年度利润分配及公积金转增方案后,转股价格调整为5.64元。公司在2005年4月18日实施2004年度每10股派发现金0.70元、送红股2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5.64元调整为每股人民币4.64元,详见2005年4月12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2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),占本公司总股本13.32%;尚有15,766,000元的"民生转债"未转股,占民生转债发行总量的0.39%。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
    截止2005年9月30日,本公司总资产达到5187.72亿元,比2004年12月31日增加733.73亿元,增长16.47%。各项贷款余额3552.16亿元,比2004年12月31日增加668.54亿元,增长23.18%。各项存款余额4511.94亿元,比2004年12月31日增加711.50亿元,增长18.72%。股东权益148.32亿元,每股净资产2.36元,每股收益0.32元。按照五级分类口径,不良贷款余额为48.13亿元,不良贷款率为1.35%。
    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
总资产                                                        518,772,128
各项贷款                                                      355,215,711
其中:个人贷款                                                 53,308,600
各项存款                                                      451,194,020
其中:储蓄存款                                                 64,588,111

                                                                   年初数
总资产                                                        445,398,682
各项贷款                                                      288,362,143
其中:个人贷款                                                 42,983,261
各项存款                                                      380,044,302
其中:储蓄存款                                                 43,515,948

                                                                  增长(%)
总资产                                                              16.47
各项贷款                                                            23.18
其中:个人贷款                                                      24.02
各项存款                                                            18.72
其中:储蓄存款                                                      48.42
    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                                                     2005年1-9月份
                                                                     金额
营业利润                                                        3,087,191
其中:投资收益                                                  1,866,810
营业外收支净额                                                      2,727
利润总额                                                        3,089,918

项   目                                                     2005年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      60.47
营业外收支净额                                                       0.14
利润总额                                                           100.00

项   目                                                     2004年1-9月份
                                                                     金额
营业利润                                                        2,114,779
其中:投资收益                                                  1,578,357
营业外收支净额                                                      2,894
利润总额                                                        2,117,673

项   目                                                     2004年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      74.63
营业外收支净额                                                       0.14
利润总额                                                           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                                                    2005年1-9月份
贷款                                                           12,776,404
拆借、存放等同业业务                                            2,228,263
债券投资                                                        1,866,810
其他业务                                                          375,108
合计                                                           17,246,585

业务种类                                                    2004年1-9月份
贷款                                                            9,254,509
拆借、存放等同业业务                                            1,563,683
债券投资                                                        1,578,357
其他业务                                                          423,725
合计                                                           12,820,274

业务种类                                                          增减(%)
贷款                                                                38.06
拆借、存放等同业业务                                                42.50
债券投资                                                            18.28
其他业务                                                           -11.47
合计                                                                34.53
    报告期内,由于业务规模的增加导致主营业务收入增长较快。
    5.主营业务盈利能力变动情况
                                                     (单位:人民币千元)
                                                            2005年1-9月份
营业利润                                                        3,087,191
营业收入                                                       17,246,585
毛利率(%)                                                           17.90

                                                            2004年1-9月份
营业利润                                                        2,114,779
营业收入                                                       12,820,274
毛利率(%)                                                           16.50

                                                                  增减(%)
营业利润                                                            45.98
营业收入                                                            34.53
毛利率(%)
    (二)重大事项及其影响和解决方案的分析说明
    1、本公司自2005年7月1日开始按照《金融企业呆账准备提取管理办法》(财金〔2005〕49号)和《财政部关于呆账准备提取有关问题的通知》(财金〔2005〕90号)的有关规定提取呆账准备,执行上述文件对本公司2005年度盈利状况无重大影响。
    2、2005年7月14日,公司获中国银监会银发[2005]133号文批准从事短期融资券承销业务。详见2005年7月14日《中国证券报》、《上海证券报》和《证券时报》。
    3、2005年7月15日,本公司苏州分行获中国银监会江苏监管局(苏银监复[2005]147号)批准开业。详见2005年7月15日《中国证券报》、《上海证券报》和《证券时报》。
    4、2005年7月21日,中国人民银行发布"关于完善人民币汇率形成机制改革的公告"(〔2005〕第16号)宣布我国开始实行以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。此次汇率调整对本公司当前的业务未造成实质性影响,但是我们将严密监控汇率变化对银行业务和财务状况的影响。
    5、2005年9月12日,公司第三届董事会第一次临时会议通过《关于资本公积金转增股本预案的决议》等相关决议,发布股权分置改革方案,拟通过资本公积金转增股本来实现非流通股东向流通股东支付的对价,并决定将该方案提交提交2005年第一次临时股东大会暨相关股东会议审议。详见2005年9月12日《中国证券报》、《上海证券报》、《证券时报》和上海证券交易所网站www.sse.com.cn)。
    (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
    2005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)
    2005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:千元
                                                                   年初数
流动资产:
现金及银行存款                                                  1,471,945
存放中央银行款项                                               40,653,237
存放同业款项                                                   12,077,177
拆放同业及其他金融机构                                         11,242,368
短期贷款                                                      136,454,464
进出口押汇                                                      1,520,084
应收利息                                                        1,382,801
其他应收款                                                        612,059
贴现                                                           29,940,167
短期投资                                                       10,335,234
买入返售                                                       11,518,877
一年内到期的长期债券投资                                        3,688,295
流动资产合计                                                  260,896,708
长期资产:
中长期贷款                                                    117,050,744
逾期贷款                                                        3,396,684
减:贷款损失准备                                               -4,247,700
长期债券投资                                                   62,363,058
长期股权投资                                                       50,000
固定资产                                                        2,698,034
在建工程                                                        1,589,236
长期资产合计                                                  182,900,056
无形资产及其他资产:
无形资产                                                           69,545
长期待摊费用                                                      372,651
待处理抵债资产                                                    776,572
无形资产及其他资产合计                                          1,218,768
递延税项:
递延税款借项                                                      383,150
资产总计                                                      445,398,682
流动负债:
短期存款                                                      229,109,497
短期储蓄存款                                                   36,094,772
财政性存款                                                      5,080,466
同业存放款项                                                   33,814,366
同业拆入                                                        1,219,919
卖出回购                                                        6,965,915
汇出汇款                                                          367,674
应解汇款及临时存款                                                377,077
存入短期保证金                                                 35,432,961
应付利息                                                        1,632,185
应付工资                                                          339,505
应付福利费                                                         70,414
应交税金                                                          618,133
其他应付款                                                        978,164
应付股利                                                           24,535
预提费用                                                           24,090
流动负债合计                                                  352,149,673
长期负债:
长期存款                                                       66,345,140
长期储蓄存款                                                    7,421,176
存入长期保证金                                                    220,375
应付可转换公司债券                                                312,769
应付次级债券                                                    5,847,526
其他长期负债                                                      194,865
长期负债合计                                                   80,341,851
负债合计                                                      432,491,524
股东权益:
股本                                                            5,184,447
资本公积                                                        4,948,491
盈余公积                                                          777,453
未分配利润                                                      1,999,595
外币折算差额                                                      (2,828)
股东权益合计                                                   12,907,158
负债和股东权益总计                                            445,398,682

                                                                   期末数
流动资产:
现金及银行存款                                                  2,455,601
存放中央银行款项                                               50,597,678
存放同业款项                                                   17,456,723
拆放同业及其他金融机构                                          7,881,594
短期贷款                                                      162,235,296
进出口押汇                                                      2,436,576
应收利息                                                        1,474,682
其他应收款                                                      3,029,399
贴现                                                           43,709,674
短期投资                                                       11,291,810
买入返售                                                        5,769,826
一年内到期的长期债券投资                                        5,914,006
流动资产合计                                                  314,252,865
长期资产:
中长期贷款                                                    140,971,808
逾期贷款                                                        5,862,357
减:贷款损失准备                                               -5,286,367
长期债券投资                                                   56,745,020
长期股权投资                                                       50,000
固定资产                                                        2,827,586
在建工程                                                        1,708,270
长期资产合计                                                  202,878,674
无形资产及其他资产:
无形资产                                                          105,764
长期待摊费用                                                      331,748
待处理抵债资产                                                    795,514
无形资产及其他资产合计                                          1,233,026
递延税项:
递延税款借项                                                      407,563
资产总计                                                      518,772,128
流动负债:
短期存款                                                      255,335,473
短期储蓄存款                                                   54,742,023
财政性存款                                                      9,493,699
同业存放款项                                                   34,462,440
同业拆入                                                          413,825
卖出回购                                                        3,332,077
汇出汇款                                                          752,786
应解汇款及临时存款                                              1,100,210
存入短期保证金                                                 51,218,386
应付利息                                                        2,470,401
应付工资                                                          450,131
应付福利费                                                        103,604
应交税金                                                          882,630
其他应付款                                                      2,828,068
应付股利                                                           58,020
预提费用                                                           37,176
流动负债合计                                                  417,680,949
长期负债:
长期存款                                                       69,973,774
长期储蓄存款                                                    9,846,088
存入长期保证金                                                     19,147
应付可转换公司债券                                                 15,916
应付次级债券                                                    6,061,394
其他长期负债                                                      343,094
长期负债合计                                                   86,259,413
                                                                        -
负债合计                                                      503,940,362
股东权益:
股本                                                            6,284,496
资本公积                                                        5,180,959
盈余公积                                                          777,453
未分配利润                                                      2,591,686
外币折算差额                                                      (2,828)
股东权益合计                                                   14,831,766
负债和股东权益总计                                            518,772,128
    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                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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
项  目                                                       2005年1-9月
一、经营活动产生的现金流量
收回的中长期贷款                                               31,398,416
吸收的活期存款净额                                             14,435,419
吸收的活期存款以外的其他存款                                  413,829,944
收取的利息                                                     14,915,822
收取的手续费                                                      283,127
同业存放款项净额                                                  648,074
到期日超过三个月买入返售净额                                    3,728,081
到期日超过三个月的拆放同业及其他金融机构款项净额                1,785,530
汇出汇款净额                                                      385,112
未解付本票净额                                                    546,164
收到的其他与经营活动有关的现金                                  1,522,043
现金流入小计                                                  483,477,732
对外发放的中长期贷款                                          -58,184,822
对外发放的短期贷款净额                                        -26,697,324
对外发放的贴现净额                                            -13,769,507
支付的活期存款以外的其他存款                                 -358,166,800
一般存款准备金净额                                             -8,144,913
到期日超过三个月的存放同业款项净额                             -2,525,176
向其他金融机构拆入的资金净额                                   -4,439,932
支付的利息                                                     -6,864,802
支付的手续费                                                      -81,981
支付给职工以及为职工支付的现金                                 -1,595,733
支付的所得税款                                                   -891,130
支付的除所得税以外的其他税费                                     -692,389
支付的其他与经营活动有关的现金                                 -2,679,112
现金流出小计                                                 -484,733,621
经营活动产生的现金流量净额                                     -1,255,889
二、投资活动产生的现金流量
收回投资所收到的现金                                           32,902,182
取得长期债券利息收入所收到的现金                                1,858,452
处置固定资产、无形资产和其他长期资产所收到的现金                   56,940
现金流入小计                                                   34,817,574
债券投资所支付的现金                                          -30,409,121
购建固定资产、无形资产和其他长期资产所支付的现金                 -775,737
现金流出小计                                                  -31,184,858
投资活动产生的现金流量净额                                      3,632,716
三、筹资活动产生的现金流量
可转换公司债券付息所支付的现金                                     -5,916
分配股利所支付的现金                                             -329,446
筹资活动产生的现金流量净额                                       -335,362
四、现金及现金等价物净增加额                                    2,041,465
    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
补充资料:                                                   2005年1-9月
1、将净利润调节为经营活动现金流量:
净利润                                                          1,991,967
加:计提的坏账准备                                                  7,136
计提的贷款损失准备                                              1,402,837
转回的抵债资产减值准备                                             16,557
固定资产折旧                                                      239,941
无形资产摊销                                                       10,267
长期待摊费用摊销及转出                                            101,556
处置固定资产、无形资产和其他长期资产的损失                           -131
投资收益                                                       -1,866,810
可转换公司债券利息费用                                              4,635
次级债券利息费用                                                  213,868
递延所得税                                                        -24,413
经营性应收项目的增加                                          -74,493,956
经营性应付项目的增加                                           71,140,657
经营活动产生的现金流量净额                                     -1,255,889
2、不涉及现金收支的投资和筹资活动:
债务转为资本                                                      295,572
3、现金及现金等价物净增加情况:
现金的年末余额                                                  4,507,065
减:现金的年初余额                                             -3,523,409
加:现金等价物的年末余额                                      106,809,368
减:现金等价物的年初余额                                     -105,751,559
现金及现金等价物净增加额                                        2,041,465
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平
                  摘自2005.10.28《上海证券报》                 中国民生银行股份有限公司2005年第3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。
    本季度报告于2005年10月27日公司第三届董事会第二十五次会议经通讯表决审议通过。本公司李安民董事和张克董事因出差未参加表决。
    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)
项   目                                                        本报告期末
总资产                                                        518,772,128
股东权益(不含少数股东权益)                                     14,831,766
每股净资产(元)                                                     2.36
调整后每股净资产(元)                                                 2.30
项     目                                                     2005年7-9月
经营活动产生的现金流量
每股收益(元)                                                         0.12
按最新股本计算每股收益(元)                                           0.12
净资产收益率(%)                                                      4.88
扣除非经常性损益后净资产收益率(%)                                    4.88

                                                               上年度期末
项   目
总资产                                                        445,398,682
股东权益(不含少数股东权益)                                     12,907,158
每股净资产(元)                                                     2.49
调整后每股净资产(元)                                                 2.42
项     目                                                     2005年1-9月
经营活动产生的现金流量                                         -1,255,889
每股收益(元)                                                         0.32
按最新股本计算每股收益(元)                                           0.32
净资产收益率(%)                                                     13.43
扣除非经常性损益后净资产收益率(%)                                   13.42

                                                         本报告期末比上年
项   目                                                  度期末增减(%)
总资产                                                              16.47
股东权益(不含少数股东权益)                                          14.91
每股净资产(元)                                                    -5.22
调整后每股净资产(元)                                                -4.96
项     目                                                  本报告期比上年
                                                           同期增减(%)
经营活动产生的现金流量
每股收益(元)                                                        33.33
按最新股本计算每股收益(元)                                          33.33
净资产收益率(%)                                            增加1.04百分点
扣除非经常性损益后净资产收益率(%)                          增加1.06百分点
    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",截止2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),总股本数达到了6,284,495,595股。
非经常性损益项目                                       金额(人民币千元)
营业外收入                                                          5,233
其中:固定资产清理收入                                                828
罚款收入                                                            1,868
其他收入                                                            2,537
营业外支出                                                         -2,506
其中:固定资产清理损失                                                -30
抵债资产折价损失                                                      -17
其他支出                                                           -2,459
非经常性损益项目所得税影响数                                         -900
合计                                                                1,827
    2.利润表(未经审计)
                                                      (单位:人民币千元)
项目                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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)                                            263,978
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                                            434,551,830
中国泛海控股有限公司                                          409,301,100
中国船东互保协会                                              348,510,367
东方集团股份有限公司                                          342,048,444
中国中小企业投资有限公司                                      315,098,878
厦门福信集团有限公司                                          300,049,191
ASIA FINANCIAL HOLDINGS PTE. LTD.                             283,362,300
上海健特生物科技有限公司                                      233,175,688
四川南方希望实业有限公司                                      204,587,581
哈尔滨岁宝热电股份有限公司                                    157,423,500
合计                                                        3,028,108,879

股东名称                                                         占总股本
新希望投资有限公司                                                  6.91%
中国泛海控股有限公司                                                6.51%
中国船东互保协会                                                    5.55%
东方集团股份有限公司                                                5.44%
中国中小企业投资有限公司                                            5.01%
厦门福信集团有限公司                                                4.77%
ASIA FINANCIAL HOLDINGS PTE. LTD.                                   4.51%
上海健特生物科技有限公司                                            3.71%
四川南方希望实业有限公司                                            3.26%
哈尔滨岁宝热电股份有限公司                                          2.50%
合计                                                               48.18%

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
ASIA FINANCIAL HOLDINGS PTE. LTD.                                  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
哈尔滨岁宝热电股份有限公司                                         法人股
合计
    注:2005年9月23日本公司股东"中国船东互保协会"受让本公司股东"北京理想产业发展有限公司"股票16,529,467股,其持股数增加为348,510,367股,占总股本的5.55%。
    (2)前十名流通股股东持股表
前十名流通股股东持股情况
股东名称(全称)                                       期末持有流通股数量
                                                                   (股)
上证50交易型开放式指数证券投资基金                             51,534,305
交通银行-易方达50指数证券投资基金                             51,302,364
中信经典配置证券投资基金                                       19,862,939
普丰证券投资基金                                               16,481,188
鹏华行业成长证券投资基金                                       15,965,490
嘉实服务增值行业证券投资基金                                   15,131,219
海通证券股份有限公司                                           14,029,383
南方稳健成长证券投资基金                                       13,701,822
CITIGROUP GLOBAL MARKETS LIMITED                               12,368,748
长江证券有限责任公司                                           11,707,879

股东名称(全称)                                                 股份种类
上证50交易型开放式指数证券投资基金                                    A股
交通银行-易方达50指数证券投资基金                                    A股
中信经典配置证券投资基金                                              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
嘉实服务增值行业证券投资基金                                          A股
海通证券股份有限公司                                                  A股
南方稳健成长证券投资基金                                              A股
CITIGROUP GLOBAL MARKETS LIMITED                                      A股
长江证券有限责任公司                                                  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)                                                  377
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)
全国社保基金一零九组合                                          3,486,000
庄妙妹                                                          1,319,000
陈雁文                                                          1,318,000
国泰君安-建行-香港上海汇丰
银行有限公司                                                    1,077,000
冷志成                                                            590,000
柳徽                                                              500,000
吕延龄                                                            444,000
张颖                                                              364,000
陈灶新                                                            200,000
张凤伟                                                            180,000

可转换公司债券持有人名称                                       占总发行额
全国社保基金一零九组合                                            0.0872%
庄妙妹                                                            0.0330%
陈雁文                                                            0.0330%
国泰君安-建行-香港上海汇丰
银行有限公司                                                      0.0269%
冷志成                                                            0.0148%
柳徽                                                              0.0125%
吕延龄                                                            0.0111%
张颖                                                              0.0091%
陈灶新                                                            0.0050%
张凤伟                                                            0.0045%

可转换公司债券持有人名称                                         股份类别
全国社保基金一零九组合                                             可转债
庄妙妹                                                             可转债
陈雁文                                                             可转债
国泰君安-建行-香港上海汇丰
银行有限公司                                                       可转债
冷志成                                                             可转债
柳徽                                                               可转债
吕延龄                                                             可转债
张颖                                                               可转债
陈灶新                                                             可转债
张凤伟                                                             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2002年度利润分配及公积金转增方案后,转股价格调整为7.73元。在2004年4月16日实施2003年度利润分配及公积金转增方案后,转股价格调整为5.64元。公司在2005年4月18日实施2004年度每10股派发现金0.70元、送红股2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5.64元调整为每股人民币4.64元,详见2005年4月12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2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),占本公司总股本13.32%;尚有15,766,000元的"民生转债"未转股,占民生转债发行总量的0.39%。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
    截止2005年9月30日,本公司总资产达到5187.72亿元,比2004年12月31日增加733.73亿元,增长16.47%。各项贷款余额3552.16亿元,比2004年12月31日增加668.54亿元,增长23.18%。各项存款余额4511.94亿元,比2004年12月31日增加711.50亿元,增长18.72%。股东权益148.32亿元,每股净资产2.36元,每股收益0.32元。按照五级分类口径,不良贷款余额为48.13亿元,不良贷款率为1.35%。
    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
总资产                                                        518,772,128
各项贷款                                                      355,215,711
其中:个人贷款                                                 53,308,600
各项存款                                                      451,194,020
其中:储蓄存款                                                 64,588,111

                                                                   年初数
总资产                                                        445,398,682
各项贷款                                                      288,362,143
其中:个人贷款                                                 42,983,261
各项存款                                                      380,044,302
其中:储蓄存款                                                 43,515,948

                                                                  增长(%)
总资产                                                              16.47
各项贷款                                                            23.18
其中:个人贷款                                                      24.02
各项存款                                                            18.72
其中:储蓄存款                                                      48.42
    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                                                     2005年1-9月份
                                                                     金额
营业利润                                                        3,087,191
其中:投资收益                                                  1,866,810
营业外收支净额                                                      2,727
利润总额                                                        3,089,918

项   目                                                     2005年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      60.47
营业外收支净额                                                       0.14
利润总额                                                           100.00

项   目                                                     2004年1-9月份
                                                                     金额
营业利润                                                        2,114,779
其中:投资收益                                                  1,578,357
营业外收支净额                                                      2,894
利润总额                                                        2,117,673

项   目                                                     2004年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      74.63
营业外收支净额                                                       0.14
利润总额                                                           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                                                    2005年1-9月份
贷款                                                           12,776,404
拆借、存放等同业业务                                            2,228,263
债券投资                                                        1,866,810
其他业务                                                          375,108
合计                                                           17,246,585

业务种类                                                    2004年1-9月份
贷款                                                            9,254,509
拆借、存放等同业业务                                            1,563,683
债券投资                                                        1,578,357
其他业务                                                          423,725
合计                                                           12,820,274

业务种类                                                          增减(%)
贷款                                                                38.06
拆借、存放等同业业务                                                42.50
债券投资                                                            18.28
其他业务                                                           -11.47
合计                                                                34.53
    报告期内,由于业务规模的增加导致主营业务收入增长较快。
    5.主营业务盈利能力变动情况
                                                     (单位:人民币千元)
                                                            2005年1-9月份
营业利润                                                        3,087,191
营业收入                                                       17,246,585
毛利率(%)                                                           17.90

                                                            2004年1-9月份
营业利润                                                        2,114,779
营业收入                                                       12,820,274
毛利率(%)                                                           16.50

                                                                  增减(%)
营业利润                                                            45.98
营业收入                                                            34.53
毛利率(%)
    (二)重大事项及其影响和解决方案的分析说明
    1、本公司自2005年7月1日开始按照《金融企业呆账准备提取管理办法》(财金〔2005〕49号)和《财政部关于呆账准备提取有关问题的通知》(财金〔2005〕90号)的有关规定提取呆账准备,执行上述文件对本公司2005年度盈利状况无重大影响。
    2、2005年7月14日,公司获中国银监会银发[2005]133号文批准从事短期融资券承销业务。详见2005年7月14日《中国证券报》、《上海证券报》和《证券时报》。
    3、2005年7月15日,本公司苏州分行获中国银监会江苏监管局(苏银监复[2005]147号)批准开业。详见2005年7月15日《中国证券报》、《上海证券报》和《证券时报》。
    4、2005年7月21日,中国人民银行发布"关于完善人民币汇率形成机制改革的公告"(〔2005〕第16号)宣布我国开始实行以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。此次汇率调整对本公司当前的业务未造成实质性影响,但是我们将严密监控汇率变化对银行业务和财务状况的影响。
    5、2005年9月12日,公司第三届董事会第一次临时会议通过《关于资本公积金转增股本预案的决议》等相关决议,发布股权分置改革方案,拟通过资本公积金转增股本来实现非流通股东向流通股东支付的对价,并决定将该方案提交提交2005年第一次临时股东大会暨相关股东会议审议。详见2005年9月12日《中国证券报》、《上海证券报》、《证券时报》和上海证券交易所网站www.sse.com.cn)。
    (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
    2005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)
    2005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:千元
                                                                   年初数
流动资产:
现金及银行存款                                                  1,471,945
存放中央银行款项                                               40,653,237
存放同业款项                                                   12,077,177
拆放同业及其他金融机构                                         11,242,368
短期贷款                                                      136,454,464
进出口押汇                                                      1,520,084
应收利息                                                        1,382,801
其他应收款                                                        612,059
贴现                                                           29,940,167
短期投资                                                       10,335,234
买入返售                                                       11,518,877
一年内到期的长期债券投资                                        3,688,295
流动资产合计                                                  260,896,708
长期资产:
中长期贷款                                                    117,050,744
逾期贷款                                                        3,396,684
减:贷款损失准备                                               -4,247,700
长期债券投资                                                   62,363,058
长期股权投资                                                       50,000
固定资产                                                        2,698,034
在建工程                                                        1,589,236
长期资产合计                                                  182,900,056
无形资产及其他资产:
无形资产                                                           69,545
长期待摊费用                                                      372,651
待处理抵债资产                                                    776,572
无形资产及其他资产合计                                          1,218,768
递延税项:
递延税款借项                                                      383,150
资产总计                                                      445,398,682
流动负债:
短期存款                                                      229,109,497
短期储蓄存款                                                   36,094,772
财政性存款                                                      5,080,466
同业存放款项                                                   33,814,366
同业拆入                                                        1,219,919
卖出回购                                                        6,965,915
汇出汇款                                                          367,674
应解汇款及临时存款                                                377,077
存入短期保证金                                                 35,432,961
应付利息                                                        1,632,185
应付工资                                                          339,505
应付福利费                                                         70,414
应交税金                                                          618,133
其他应付款                                                        978,164
应付股利                                                           24,535
预提费用                                                           24,090
流动负债合计                                                  352,149,673
长期负债:
长期存款                                                       66,345,140
长期储蓄存款                                                    7,421,176
存入长期保证金                                                    220,375
应付可转换公司债券                                                312,769
应付次级债券                                                    5,847,526
其他长期负债                                                      194,865
长期负债合计                                                   80,341,851
负债合计                                                      432,491,524
股东权益:
股本                                                            5,184,447
资本公积                                                        4,948,491
盈余公积                                                          777,453
未分配利润                                                      1,999,595
外币折算差额                                                      (2,828)
股东权益合计                                                   12,907,158
负债和股东权益总计                                            445,398,682

                                                                   期末数
流动资产:
现金及银行存款                                                  2,455,601
存放中央银行款项                                               50,597,678
存放同业款项                                                   17,456,723
拆放同业及其他金融机构                                          7,881,594
短期贷款                                                      162,235,296
进出口押汇                                                      2,436,576
应收利息                                                        1,474,682
其他应收款                                                      3,029,399
贴现                                                           43,709,674
短期投资                                                       11,291,810
买入返售                                                        5,769,826
一年内到期的长期债券投资                                        5,914,006
流动资产合计                                                  314,252,865
长期资产:
中长期贷款                                                    140,971,808
逾期贷款                                                        5,862,357
减:贷款损失准备                                               -5,286,367
长期债券投资                                                   56,745,020
长期股权投资                                                       50,000
固定资产                                                        2,827,586
在建工程                                                        1,708,270
长期资产合计                                                  202,878,674
无形资产及其他资产:
无形资产                                                          105,764
长期待摊费用                                                      331,748
待处理抵债资产                                                    795,514
无形资产及其他资产合计                                          1,233,026
递延税项:
递延税款借项                                                      407,563
资产总计                                                      518,772,128
流动负债:
短期存款                                                      255,335,473
短期储蓄存款                                                   54,742,023
财政性存款                                                      9,493,699
同业存放款项                                                   34,462,440
同业拆入                                                          413,825
卖出回购                                                        3,332,077
汇出汇款                                                          752,786
应解汇款及临时存款                                              1,100,210
存入短期保证金                                                 51,218,386
应付利息                                                        2,470,401
应付工资                                                          450,131
应付福利费                                                        103,604
应交税金                                                          882,630
其他应付款                                                      2,828,068
应付股利                                                           58,020
预提费用                                                           37,176
流动负债合计                                                  417,680,949
长期负债:
长期存款                                                       69,973,774
长期储蓄存款                                                    9,846,088
存入长期保证金                                                     19,147
应付可转换公司债券                                                 15,916
应付次级债券                                                    6,061,394
其他长期负债                                                      343,094
长期负债合计                                                   86,259,413
                                                                        -
负债合计                                                      503,940,362
股东权益:
股本                                                            6,284,496
资本公积                                                        5,180,959
盈余公积                                                          777,453
未分配利润                                                      2,591,686
外币折算差额                                                      (2,828)
股东权益合计                                                   14,831,766
负债和股东权益总计                                            518,772,128
    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                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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
项  目                                                       2005年1-9月
一、经营活动产生的现金流量
收回的中长期贷款                                               31,398,416
吸收的活期存款净额                                             14,435,419
吸收的活期存款以外的其他存款                                  413,829,944
收取的利息                                                     14,915,822
收取的手续费                                                      283,127
同业存放款项净额                                                  648,074
到期日超过三个月买入返售净额                                    3,728,081
到期日超过三个月的拆放同业及其他金融机构款项净额                1,785,530
汇出汇款净额                                                      385,112
未解付本票净额                                                    546,164
收到的其他与经营活动有关的现金                                  1,522,043
现金流入小计                                                  483,477,732
对外发放的中长期贷款                                          -58,184,822
对外发放的短期贷款净额                                        -26,697,324
对外发放的贴现净额                                            -13,769,507
支付的活期存款以外的其他存款                                 -358,166,800
一般存款准备金净额                                             -8,144,913
到期日超过三个月的存放同业款项净额                             -2,525,176
向其他金融机构拆入的资金净额                                   -4,439,932
支付的利息                                                     -6,864,802
支付的手续费                                                      -81,981
支付给职工以及为职工支付的现金                                 -1,595,733
支付的所得税款                                                   -891,130
支付的除所得税以外的其他税费                                     -692,389
支付的其他与经营活动有关的现金                                 -2,679,112
现金流出小计                                                 -484,733,621
经营活动产生的现金流量净额                                     -1,255,889
二、投资活动产生的现金流量
收回投资所收到的现金                                           32,902,182
取得长期债券利息收入所收到的现金                                1,858,452
处置固定资产、无形资产和其他长期资产所收到的现金                   56,940
现金流入小计                                                   34,817,574
债券投资所支付的现金                                          -30,409,121
购建固定资产、无形资产和其他长期资产所支付的现金                 -775,737
现金流出小计                                                  -31,184,858
投资活动产生的现金流量净额                                      3,632,716
三、筹资活动产生的现金流量
可转换公司债券付息所支付的现金                                     -5,916
分配股利所支付的现金                                             -329,446
筹资活动产生的现金流量净额                                       -335,362
四、现金及现金等价物净增加额                                    2,041,465
    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
补充资料:                                                   2005年1-9月
1、将净利润调节为经营活动现金流量:
净利润                                                          1,991,967
加:计提的坏账准备                                                  7,136
计提的贷款损失准备                                              1,402,837
转回的抵债资产减值准备                                             16,557
固定资产折旧                                                      239,941
无形资产摊销                                                       10,267
长期待摊费用摊销及转出                                            101,556
处置固定资产、无形资产和其他长期资产的损失                           -131
投资收益                                                       -1,866,810
可转换公司债券利息费用                                              4,635
次级债券利息费用                                                  213,868
递延所得税                                                        -24,413
经营性应收项目的增加                                          -74,493,956
经营性应付项目的增加                                           71,140,657
经营活动产生的现金流量净额                                     -1,255,889
2、不涉及现金收支的投资和筹资活动:
债务转为资本                                                      295,572
3、现金及现金等价物净增加情况:
现金的年末余额                                                  4,507,065
减:现金的年初余额                                             -3,523,409
加:现金等价物的年末余额                                      106,809,368
减:现金等价物的年初余额                                     -105,751,559
现金及现金等价物净增加额                                        2,041,465
    法定代表人:经叔平               行长:董文标                  财务负责人:王建平
                  摘自2005.10.28《上海证券报》                 中国民生银行股份有限公司2005年第3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。
    本季度报告于2005年10月27日公司第三届董事会第二十五次会议经通讯表决审议通过。本公司李安民董事和张克董事因出差未参加表决。
    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)
项   目                                                        本报告期末
总资产                                                        518,772,128
股东权益(不含少数股东权益)                                     14,831,766
每股净资产(元)                                                     2.36
调整后每股净资产(元)                                                 2.30
项     目                                                     2005年7-9月
经营活动产生的现金流量
每股收益(元)                                                         0.12
按最新股本计算每股收益(元)                                           0.12
净资产收益率(%)                                                      4.88
扣除非经常性损益后净资产收益率(%)                                    4.88

                                                               上年度期末
项   目
总资产                                                        445,398,682
股东权益(不含少数股东权益)                                     12,907,158
每股净资产(元)                                                     2.49
调整后每股净资产(元)                                                 2.42
项     目                                                     2005年1-9月
经营活动产生的现金流量                                         -1,255,889
每股收益(元)                                                         0.32
按最新股本计算每股收益(元)                                           0.32
净资产收益率(%)                                                     13.43
扣除非经常性损益后净资产收益率(%)                                   13.42

                                                         本报告期末比上年
项   目                                                  度期末增减(%)
总资产                                                              16.47
股东权益(不含少数股东权益)                                          14.91
每股净资产(元)                                                    -5.22
调整后每股净资产(元)                                                -4.96
项     目                                                  本报告期比上年
                                                           同期增减(%)
经营活动产生的现金流量
每股收益(元)                                                        33.33
按最新股本计算每股收益(元)                                          33.33
净资产收益率(%)                                            增加1.04百分点
扣除非经常性损益后净资产收益率(%)                          增加1.06百分点
    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",截止2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),总股本数达到了6,284,495,595股。
非经常性损益项目                                       金额(人民币千元)
营业外收入                                                          5,233
其中:固定资产清理收入                                                828
罚款收入                                                            1,868
其他收入                                                            2,537
营业外支出                                                         -2,506
其中:固定资产清理损失                                                -30
抵债资产折价损失                                                      -17
其他支出                                                           -2,459
非经常性损益项目所得税影响数                                         -900
合计                                                                1,827
    2.利润表(未经审计)
                                                      (单位:人民币千元)
项目                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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)                                            263,978
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                                            434,551,830
中国泛海控股有限公司                                          409,301,100
中国船东互保协会                                              348,510,367
东方集团股份有限公司                                          342,048,444
中国中小企业投资有限公司                                      315,098,878
厦门福信集团有限公司                                          300,049,191
ASIA FINANCIAL HOLDINGS PTE. LTD.                             283,362,300
上海健特生物科技有限公司                                      233,175,688
四川南方希望实业有限公司                                      204,587,581
哈尔滨岁宝热电股份有限公司                                    157,423,500
合计                                                        3,028,108,879

股东名称                                                         占总股本
新希望投资有限公司                                                  6.91%
中国泛海控股有限公司                                                6.51%
中国船东互保协会                                                    5.55%
东方集团股份有限公司                                                5.44%
中国中小企业投资有限公司                                            5.01%
厦门福信集团有限公司                                                4.77%
ASIA FINANCIAL HOLDINGS PTE. LTD.                                   4.51%
上海健特生物科技有限公司                                            3.71%
四川南方希望实业有限公司                                            3.26%
哈尔滨岁宝热电股份有限公司                                          2.50%
合计                                                               48.18%

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
ASIA FINANCIAL HOLDINGS PTE. LTD.                                  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
哈尔滨岁宝热电股份有限公司                                         法人股
合计
    注:2005年9月23日本公司股东"中国船东互保协会"受让本公司股东"北京理想产业发展有限公司"股票16,529,467股,其持股数增加为348,510,367股,占总股本的5.55%。
    (2)前十名流通股股东持股表
前十名流通股股东持股情况
股东名称(全称)                                       期末持有流通股数量
                                                                   (股)
上证50交易型开放式指数证券投资基金                             51,534,305
交通银行-易方达50指数证券投资基金                             51,302,364
中信经典配置证券投资基金                                       19,862,939
普丰证券投资基金                                               16,481,188
鹏华行业成长证券投资基金                                       15,965,490
嘉实服务增值行业证券投资基金                                   15,131,219
海通证券股份有限公司                                           14,029,383
南方稳健成长证券投资基金                                       13,701,822
CITIGROUP GLOBAL MARKETS LIMITED                               12,368,748
长江证券有限责任公司                                           11,707,879

股东名称(全称)                                                 股份种类
上证50交易型开放式指数证券投资基金                                    A股
交通银行-易方达50指数证券投资基金                                    A股
中信经典配置证券投资基金                                              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
嘉实服务增值行业证券投资基金                                          A股
海通证券股份有限公司                                                  A股
南方稳健成长证券投资基金                                              A股
CITIGROUP GLOBAL MARKETS LIMITED                                      A股
长江证券有限责任公司                                                  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)                                                  377
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)
全国社保基金一零九组合                                          3,486,000
庄妙妹                                                          1,319,000
陈雁文                                                          1,318,000
国泰君安-建行-香港上海汇丰
银行有限公司                                                    1,077,000
冷志成                                                            590,000
柳徽                                                              500,000
吕延龄                                                            444,000
张颖                                                              364,000
陈灶新                                                            200,000
张凤伟                                                            180,000

可转换公司债券持有人名称                                       占总发行额
全国社保基金一零九组合                                            0.0872%
庄妙妹                                                            0.0330%
陈雁文                                                            0.0330%
国泰君安-建行-香港上海汇丰
银行有限公司                                                      0.0269%
冷志成                                                            0.0148%
柳徽                                                              0.0125%
吕延龄                                                            0.0111%
张颖                                                              0.0091%
陈灶新                                                            0.0050%
张凤伟                                                            0.0045%

可转换公司债券持有人名称                                         股份类别
全国社保基金一零九组合                                             可转债
庄妙妹                                                             可转债
陈雁文                                                             可转债
国泰君安-建行-香港上海汇丰
银行有限公司                                                       可转债
冷志成                                                             可转债
柳徽                                                               可转债
吕延龄                                                             可转债
张颖                                                               可转债
陈灶新                                                             可转债
张凤伟                                                             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2002年度利润分配及公积金转增方案后,转股价格调整为7.73元。在2004年4月16日实施2003年度利润分配及公积金转增方案后,转股价格调整为5.64元。公司在2005年4月18日实施2004年度每10股派发现金0.70元、送红股2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5.64元调整为每股人民币4.64元,详见2005年4月12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2005年9月30日收盘,已有3,984,234,000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62,460,665股,累计转股股数为836,860,490股(含送增股),占本公司总股本13.32%;尚有15,766,000元的"民生转债"未转股,占民生转债发行总量的0.39%。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
    截止2005年9月30日,本公司总资产达到5187.72亿元,比2004年12月31日增加733.73亿元,增长16.47%。各项贷款余额3552.16亿元,比2004年12月31日增加668.54亿元,增长23.18%。各项存款余额4511.94亿元,比2004年12月31日增加711.50亿元,增长18.72%。股东权益148.32亿元,每股净资产2.36元,每股收益0.32元。按照五级分类口径,不良贷款余额为48.13亿元,不良贷款率为1.35%。
    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
总资产                                                        518,772,128
各项贷款                                                      355,215,711
其中:个人贷款                                                 53,308,600
各项存款                                                      451,194,020
其中:储蓄存款                                                 64,588,111

                                                                   年初数
总资产                                                        445,398,682
各项贷款                                                      288,362,143
其中:个人贷款                                                 42,983,261
各项存款                                                      380,044,302
其中:储蓄存款                                                 43,515,948

                                                                  增长(%)
总资产                                                              16.47
各项贷款                                                            23.18
其中:个人贷款                                                      24.02
各项存款                                                            18.72
其中:储蓄存款                                                      48.42
    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                                                     2005年1-9月份
                                                                     金额
营业利润                                                        3,087,191
其中:投资收益                                                  1,866,810
营业外收支净额                                                      2,727
利润总额                                                        3,089,918

项   目                                                     2005年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      60.47
营业外收支净额                                                       0.14
利润总额                                                           100.00

项   目                                                     2004年1-9月份
                                                                     金额
营业利润                                                        2,114,779
其中:投资收益                                                  1,578,357
营业外收支净额                                                      2,894
利润总额                                                        2,117,673

项   目                                                     2004年1-9月份
                                                                  占比(%)
营业利润                                                           100.00
其中:投资收益                                                      74.63
营业外收支净额                                                       0.14
利润总额                                                           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                                                    2005年1-9月份
贷款                                                           12,776,404
拆借、存放等同业业务                                            2,228,263
债券投资                                                        1,866,810
其他业务                                                          375,108
合计                                                           17,246,585

业务种类                                                    2004年1-9月份
贷款                                                            9,254,509
拆借、存放等同业业务                                            1,563,683
债券投资                                                        1,578,357
其他业务                                                          423,725
合计                                                           12,820,274

业务种类                                                          增减(%)
贷款                                                                38.06
拆借、存放等同业业务                                                42.50
债券投资                                                            18.28
其他业务                                                           -11.47
合计                                                                34.53
    报告期内,由于业务规模的增加导致主营业务收入增长较快。
    5.主营业务盈利能力变动情况
                                                     (单位:人民币千元)
                                                            2005年1-9月份
营业利润                                                        3,087,191
营业收入                                                       17,246,585
毛利率(%)                                                           17.90

                                                            2004年1-9月份
营业利润                                                        2,114,779
营业收入                                                       12,820,274
毛利率(%)                                                           16.50

                                                                  增减(%)
营业利润                                                            45.98
营业收入                                                            34.53
毛利率(%)
    (二)重大事项及其影响和解决方案的分析说明
    1、本公司自2005年7月1日开始按照《金融企业呆账准备提取管理办法》(财金〔2005〕49号)和《财政部关于呆账准备提取有关问题的通知》(财金〔2005〕90号)的有关规定提取呆账准备,执行上述文件对本公司2005年度盈利状况无重大影响。
    2、2005年7月14日,公司获中国银监会银发[2005]133号文批准从事短期融资券承销业务。详见2005年7月14日《中国证券报》、《上海证券报》和《证券时报》。
    3、2005年7月15日,本公司苏州分行获中国银监会江苏监管局(苏银监复[2005]147号)批准开业。详见2005年7月15日《中国证券报》、《上海证券报》和《证券时报》。
    4、2005年7月21日,中国人民银行发布"关于完善人民币汇率形成机制改革的公告"(〔2005〕第16号)宣布我国开始实行以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。此次汇率调整对本公司当前的业务未造成实质性影响,但是我们将严密监控汇率变化对银行业务和财务状况的影响。
    5、2005年9月12日,公司第三届董事会第一次临时会议通过《关于资本公积金转增股本预案的决议》等相关决议,发布股权分置改革方案,拟通过资本公积金转增股本来实现非流通股东向流通股东支付的对价,并决定将该方案提交提交2005年第一次临时股东大会暨相关股东会议审议。详见2005年9月12日《中国证券报》、《上海证券报》、《证券时报》和上海证券交易所网站www.sse.com.cn)。
    (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
    2005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)
    2005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:千元
                                                                   年初数
流动资产:
现金及银行存款                                                  1,471,945
存放中央银行款项                                               40,653,237
存放同业款项                                                   12,077,177
拆放同业及其他金融机构                                         11,242,368
短期贷款                                                      136,454,464
进出口押汇                                                      1,520,084
应收利息                                                        1,382,801
其他应收款                                                        612,059
贴现                                                           29,940,167
短期投资                                                       10,335,234
买入返售                                                       11,518,877
一年内到期的长期债券投资                                        3,688,295
流动资产合计                                                  260,896,708
长期资产:
中长期贷款                                                    117,050,744
逾期贷款                                                        3,396,684
减:贷款损失准备                                               -4,247,700
长期债券投资                                                   62,363,058
长期股权投资                                                       50,000
固定资产                                                        2,698,034
在建工程                                                        1,589,236
长期资产合计                                                  182,900,056
无形资产及其他资产:
无形资产                                                           69,545
长期待摊费用                                                      372,651
待处理抵债资产                                                    776,572
无形资产及其他资产合计                                          1,218,768
递延税项:
递延税款借项                                                      383,150
资产总计                                                      445,398,682
流动负债:
短期存款                                                      229,109,497
短期储蓄存款                                                   36,094,772
财政性存款                                                      5,080,466
同业存放款项                                                   33,814,366
同业拆入                                                        1,219,919
卖出回购                                                        6,965,915
汇出汇款                                                          367,674
应解汇款及临时存款                                                377,077
存入短期保证金                                                 35,432,961
应付利息                                                        1,632,185
应付工资                                                          339,505
应付福利费                                                         70,414
应交税金                                                          618,133
其他应付款                                                        978,164
应付股利                                                           24,535
预提费用                                                           24,090
流动负债合计                                                  352,149,673
长期负债:
长期存款                                                       66,345,140
长期储蓄存款                                                    7,421,176
存入长期保证金                                                    220,375
应付可转换公司债券                                                312,769
应付次级债券                                                    5,847,526
其他长期负债                                                      194,865
长期负债合计                                                   80,341,851
负债合计                                                      432,491,524
股东权益:
股本                                                            5,184,447
资本公积                                                        4,948,491
盈余公积                                                          777,453
未分配利润                                                      1,999,595
外币折算差额                                                      (2,828)
股东权益合计                                                   12,907,158
负债和股东权益总计                                            445,398,682

                                                                   期末数
流动资产:
现金及银行存款                                                  2,455,601
存放中央银行款项                                               50,597,678
存放同业款项                                                   17,456,723
拆放同业及其他金融机构                                          7,881,594
短期贷款                                                      162,235,296
进出口押汇                                                      2,436,576
应收利息                                                        1,474,682
其他应收款                                                      3,029,399
贴现                                                           43,709,674
短期投资                                                       11,291,810
买入返售                                                        5,769,826
一年内到期的长期债券投资                                        5,914,006
流动资产合计                                                  314,252,865
长期资产:
中长期贷款                                                    140,971,808
逾期贷款                                                        5,862,357
减:贷款损失准备                                               -5,286,367
长期债券投资                                                   56,745,020
长期股权投资                                                       50,000
固定资产                                                        2,827,586
在建工程                                                        1,708,270
长期资产合计                                                  202,878,674
无形资产及其他资产:
无形资产                                                          105,764
长期待摊费用                                                      331,748
待处理抵债资产                                                    795,514
无形资产及其他资产合计                                          1,233,026
递延税项:
递延税款借项                                                      407,563
资产总计                                                      518,772,128
流动负债:
短期存款                                                      255,335,473
短期储蓄存款                                                   54,742,023
财政性存款                                                      9,493,699
同业存放款项                                                   34,462,440
同业拆入                                                          413,825
卖出回购                                                        3,332,077
汇出汇款                                                          752,786
应解汇款及临时存款                                              1,100,210
存入短期保证金                                                 51,218,386
应付利息                                                        2,470,401
应付工资                                                          450,131
应付福利费                                                        103,604
应交税金                                                          882,630
其他应付款                                                      2,828,068
应付股利                                                           58,020
预提费用                                                           37,176
流动负债合计                                                  417,680,949
长期负债:
长期存款                                                       69,973,774
长期储蓄存款                                                    9,846,088
存入长期保证金                                                     19,147
应付可转换公司债券                                                 15,916
应付次级债券                                                    6,061,394
其他长期负债                                                      343,094
长期负债合计                                                   86,259,413
                                                                        -
负债合计                                                      503,940,362
股东权益:
股本                                                            6,284,496
资本公积                                                        5,180,959
盈余公积                                                          777,453
未分配利润                                                      2,591,686
外币折算差额                                                      (2,828)
股东权益合计                                                   14,831,766
负债和股东权益总计                                            518,772,128
    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                                                          2005年7-9月
一、营业收入                                                    6,005,731
利息收入                                                        4,419,104
金融企业往来收入                                                  814,314
手续费收入                                                        113,851
汇兑收益                                                           47,469
投资收益                                                          605,437
其它营业收入                                                        5,556
二、营业支出                                                   -4,635,117
利息支出                                                       -1,994,247
金融企业往来支出                                                 -736,924
手续费支出                                                        -24,727
营业费用                                                       -1,553,821
其它营业支出                                                     -325,398
三、营业税金及附加                                               -260,583
四、营业利润                                                    1,110,031
加:营业外收入                                                      1,206
减:营业外支出                                                       -579
五、利润总额                                                    1,110,658
减:所得税                                                       -386,700
六、净利润                                                        723,958

项目                                                          2005年1-9月
一、营业收入                                                   17,246,585
利息收入                                                       12,776,404
金融企业往来收入                                                2,228,263
手续费收入                                                        283,127
汇兑收益                                                           66,646
投资收益                                                        1,866,810
其它营业收入                                                       25,335
二、营业支出                                                  -13,433,742
利息支出                                                       -5,621,828
金融企业往来支出                                               -2,299,693
手续费支出                                                        -81,981
营业费用                                                       -4,010,846
其它营业支出                                                   -1,419,394
三、营业税金及附加                                               -725,652
四、营业利润                                                    3,087,191
加:营业外收入                                                      5,233
减:营业外支出                                                     -2,506
五、利润总额                                                    3,089,918
减:所得税                                                     -1,097,951
六、净利润                                                      1,991,967

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
    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
项  目                                                       2005年1-9月
一、经营活动产生的现金流量
收回的中长期贷款                                               31,398,416
吸收的活期存款净额                                             14,435,419
吸收的活期存款以外的其他存款                                  413,829,944
收取的利息                                                     14,915,822
收取的手续费                                                      283,127
同业存放款项净额                                                  648,074
到期日超过三个月买入返售净额                                    3,728,081
到期日超过三个月的拆放同业及其他金融机构款项净额                1,785,530
汇出汇款净额                                                      385,112
未解付本票净额                                                    546,164
收到的其他与经营活动有关的现金                                  1,522,043
现金流入小计                                                  483,477,732
对外发放的中长期贷款                                          -58,184,822
对外发放的短期贷款净额                                        -26,697,324
对外发放的贴现净额                                            -13,769,507
支付的活期存款以外的其他存款                                 -358,166,800
一般存款准备金净额                                             -8,144,913
到期日超过三个月的存放同业款项净额                             -2,525,176
向其他金融机构拆入的资金净额                                   -4,439,932
支付的利息                                                     -6,864,802
支付的手续费                                                      -81,981
支付给职工以及为职工支付的现金                                 -1,595,733
支付的所得税款                                                   -891,130
支付的除所得税以外的其他税费                                     -692,389
支付的其他与经营活动有关的现金                                 -2,679,112
现金流出小计                                                 -484,733,621
经营活动产生的现金流量净额                                     -1,255,889
二、投资活动产生的现金流量
收回投资所收到的现金                                           32,902,182
取得长期债券利息收入所收到的现金                                1,858,452
处置固定资产、无形资产和其他长期资产所收到的现金                   56,940
现金流入小计                                                   34,817,574
债券投资所支付的现金                                          -30,409,121
购建固定资产、无形资产和其他长期资产所支付的现金                 -775,737
现金流出小计                                                  -31,184,858
投资活动产生的现金流量净额                                      3,632,716
三、筹资活动产生的现金流量
可转换公司债券付息所支付的现金                                     -5,916
分配股利所支付的现金                                             -329,446
筹资活动产生的现金流量净额                                       -335,362
四、现金及现金等价物净增加额                                    2,041,465
    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
补充资料:                                                   2005年1-9月
1、将净利润调节为经营活动现金流量:
净利润                                                          1,991,967
加:计提的坏账准备                                                  7,136
计提的贷款损失准备                                              1,402,837
转回的抵债资产减值准备                                             16,557
固定资产折旧                                                      239,941
无形资产摊销                                                       10,267
长期待摊费用摊销及转出                                            101,556
处置固定资产、无形资产和其他长期资产的损失                           -131
投资收益                                                       -1,866,810
可转换公司债券利息费用