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2019年09月16日 星期一

民生银行(600016)公告正文

民生银行:2015年第一季度报告

公告日期:2015-04-22

                           2015 年第一季度报告
    公司代码:600016                     公司简称:民生银行
                   中国民生银行股份有限公司
                     2015 年第一季度报告
                                 1 / 19
                             2015 年第一季度报告
                                  目录
    一、   重要提示 .............................................................. 3
    二、   公司主要财务数据和股东变化 ............................................ 3
    三、   重要事项 .............................................................. 8
    四、   附录 ................................................................. 12
                                   2 / 19
                                      2015 年第一季度报告一、 重要提示1.1 公司董事会、监事会及董事、监事、高级管理人员保证季度报告内容的真实、准确、完整,
    不存在虚假记载、误导性陈述或者重大遗漏,并承担个别和连带的法律责任。1.2
                未出席董事姓名                                 未出席董事职务
      尤兰田                                      独立董事1.3 公司负责人洪崎、主管会计工作负责人白丹及会计机构负责人(会计主管人员)白丹保证季
    度报告中财务报表的真实、准确、完整。1.4 本公司第一季度报告未经审计。二、 公司主要财务数据和股东变化2.1 主要财务数据
                                                                 单位:百万元    币种:人民币
                                本报告期末                上年度末          本报告期末比上年
                             2015 年 3 月 31 日       2014 年 12 月 31 日       末增减(%)
    资产总额                                4,016,757              4,015,136                 0.04
    归属于母公司股东权益总额                  254,079                240,142                 5.80
    归属于母公司股东的每股                       7.42                   7.03                 5.55净资产(人民币元/股)
                                                          上年初至
                                 年初至报告期末                             年初至报告期末比
                                                        上年报告期末
                                 2015 年 1-3 月                             上年同期增减(%)
                                                        2014 年 1-3 月
    经营活动产生的现金流量净                  65,227                   53,497               21.93额
    每股经营活动产生的现金流                      1.91                   1.57               21.66量净额(人民币元/股)
                                                          上年初至
                                 年初至报告期末                             年初至报告期末比
                                                        上年报告期末
                                 2015 年 1-3 月                             上年同期增减(%)
                                                        2014 年 1-3 月
    营业收入                                   36,030                  31,231               15.37
    归属于母公司股东的净利润                   13,377                  12,676                5.53
    归属于母公司股东的扣除非                   13,363                  12,642                5.70经常性损益的净利润
    基本每股收益(人民币元/                       0.39                   0.37                5.41股)
    稀释每股收益(人民币元/                       0.37                   0.35                5.71股)
    加权平均净资产收益率(%)                    21.64                  24.80   减少 3.16 个百分点(年化)
                                            3 / 19
                                     2015 年第一季度报告
    扣除非经常性损益后加权                    21.61               24.76 减少 3.15 个百分点平均净资产收益率(%)(年化)注:本公司于 2014 年完成了 2013 年下半年利润分配方案股票股利的派发,对应的比较期间每股收益及每股经营活动产生的现金流量净额数据已按照相关规定重新计算。
    非经常性损益项目如下:
                                                                 单位:百万元    币种:人民币
                                                                         年初至报告期末
                        项      目                                       2015 年 1-3 月
    营业外收入                                                                                     59
    其中:税款返还                                                                                  3
      其他营业外收入                                                                           56
    营业外支出                                                                                     17
    其中:捐赠支出                                                                                  1
      其他营业外支出                                                                           16
    营业外收支净额                                                                                 42
    减:以上各项对所得税的影响额                                                                   13
    非经常性损益税后影响净额                                                                       29
    其中:影响母公司股东净利润的非经常性损益                                                       14
      影响少数股东净利润的非经常性损益                                                         152.2 补充财务数据
                                                                单位:百万元    币种:人民币
                                    本报告期末                             上年度末
       项      目                2015 年 3 月 31 日                    2014 年 12 月 31 日
    负债总额                                            3,754,979                         3,767,380
    吸收存款                                            2,449,141                         2,433,810
    其中:公司存款                                      1,852,944                         1,884,081
      个人存款                                        587,545                           539,173
      汇出及应解汇款                                    4,294                                4,858
      发行存款证                                        4,358                                5,698
    贷款和垫款总额                                      1,886,693                         1,812,666
    其中:公司贷款和垫款                                1,207,517                         1,157,985
      个人贷款和垫款                                  679,176                           654,681
    不良贷款余额                                          23,036                              21,134
    贷款减值准备                                          41,599                              38,507
                                           4 / 19
                                    2015 年第一季度报告2.3 资本充足率与杠杆率分析
    本集团根据中国银行业监督管理委员会《商业银行资本管理办法(试行)》(简称“新办法”)和其他相关监管规定计算资本充足率,资本充足率的计算范围包括本公司以及符合新办法规定的本公司直接或间接投资的金融机构。截至报告期末,本集团资本充足率、核心一级资本充足率、一级资本充足率均达到新办法达标要求。
    本集团资本充足率情况如下:
                                                                   单位:百万元       币种:人民币
                                                                  2015 年 3 月 31 日
                   项目
                                                         本集团                        本公司
    核心一级资本净额                                                  259,240                       244,061
    一级资本净额                                                      259,688                       244,061
    总资本净额                                                        318,440                       299,896
    核心一级资本充足率(%)                                             8.80                          8.73
    一级资本充足率(%)                                                 8.82                          8.73
    资本充足率(%)                                                     10.81                         10.73
    享受过渡期优惠政策的资本工具:按照新办法相关规定,商业银行2010年9月12日以前发行的不合格二级资本工具可享受优惠政策,即2013年1月1日起按年递减10%。报告期末本公司不合格二级资本工具可计入金额为176亿元。
    根据《商业银行资本充足率管理办法》及相关规定计量的资本充足率情况如下:
                   项目                                           2015 年 3 月 31 日
                                                         本集团                        本公司
    核心资本充足率(%)                                                 9.30                          9.18
    资本充足率(%)                                                     12.56                         12.40
    本集团杠杆率情况如下:
                               2015年             2014年              2014年               2014年
    项目
                              3月31日             12月31日            9月30日             6月30日
    杠杆率(%)                          5.28                 5.01                4.89                4.87
    一级资本净额                      259,688               245,606             239,649         227,414
    调整后的表内外资产余额           4,919,301            4,900,750        4,904,772          4,667,357注:杠杆率相关指标,本报告期末及2014年末,根据2015年4月1日起施行的《商业银行杠杆率管理办法(修订)》(中国银监会令2015年第1号)计算;其他比较期期末,根据《商业银行杠杆率管理办法》计算。2.4 管理层讨论与分析
    报告期内,本公司紧密围绕着战略定位,不断深化战略转型,积极应对利率市场化挑战,加快推进改革步伐,调整优化经营结构,强化风险管控力度,持续提升盈利能力。
                                             5 / 19
                                    2015 年第一季度报告
    1、盈利能力稳步提升,股东回报保持稳定
    报告期内,本集团实现归属于母公司股东净利润 133.77 亿元,同比增幅 5.53%;实现营业收入 360.30 亿元,同比增加 47.99 亿元,增幅 15.37%,其中非利息净收入 128.78 亿元,同比增加28.42 亿元,增幅 28.32%;基本每股收益 0.39 元,同比增加 0.02 元,增幅 5.41%;归属于母公司股东每股净资产 7.42 元,比上年末增加 0.39 元,增幅 5.55%;加权平均净资产收益率 21.64%,同比下降 3.16 个百分点。报告期内,本公司净息差为 2.37%,受降息影响,同比下降 0.25 个百分点。
    2、资产负债业务协调发展,战略业务进一步深化
    截至报告期末,本集团资产总额 40,167.57 亿元,比上年末增加 16.21 亿元;发放贷款和垫款总额 18,866.93 亿元,比上年末增加 740.27 亿元,增幅 4.08%;吸收存款总额 24,491.41 亿元,比上年末增加 153.31 亿元,增幅 0.63%。
    在规模稳步增长的同时,本公司战略业务不断深化。在两小战略方面,截至报告期末,本公司小微贷款余额为 4,078.28 亿元,比上年末增加 50.92 亿元,小微客户数突破 300 万户,达到302.55 万户,比上年末增长 11.36 万户;本公司持续加大小区金融产品创新力度,小区生活圈微社区、银联钱包、云 POS 等平台正式上线,进入营销推广阶段,截至报告期末投入运营的社区网点(含全功能自助银行) 4,900 家,其中经监管机构批准挂牌的社区支行达到 812 家,比上年末增加 69 家,小区金融非零客户超过 300 万户,金融资产达到 917.75 亿元。在民企战略方面,截至报告期末,有余额民企贷款客户 11,152 户,民企一般贷款余额 6,723.47 亿元,在对公业务板块中的占比分别达到 77.35%和 57.29%。在高端客户战略方面,截至报告期末,私人银行客户数量达到 14,981 户,比上年末增长 5.12%;管理金融资产规模达到 2,425.65 亿元,比上年末增长 5.28%。
    3、经营结构持续优化,运营效率不断提升
    本集团不断优化业务结构、收入结构和客户结构。业务结构方面,截至报告期末,本公司债券及其他投资业务余额 6,383.35 亿元,在资产总额中占比为 16.50%,比上年末提高 1.02 个百分点;个人存款 5,763.99 亿元,在吸收存款总额中占比为 23.78%,比上年末提升 1.69 个百分点;消费贷款(不含信用卡)余额 1,098.07 亿元,在个人贷款和垫款中占比为 16.41%,比上年末提升 1.96 个百分点;报告期内,零售条线的理财产品(含私银和代销)销售量达 7,031.61 亿元,同比增加 3,125.24 亿元。收入结构方面,报告期内,本公司实现非利息净收入 123.52 亿元,在营业收入中占比为 35.37%,同比提高 3.34 个百分点。客户结构方面,截至报告期末,本公司有余额对公存款客户数达 57.24 万户,比上年末增加 2.54 万户;零售非零客户超过 2,100 万户,比
                                          6 / 19
                                     2015 年第一季度报告上年末增加 121.81 万户,管理个人客户金融资产 11,345.16 亿元,比上年末增加 614.94 亿元;手机银行客户总数达 1,429.82 万户,比上年末增加 127.70 万户,报告期内累计交易金额达 1.23万亿元;直销银行客户数达 174.54 万户,如意宝申购总额为 3,540.15 亿元。在经营结构调整的同时,本集团有序推进成本管理策略,不断提升成本效率,报告期内,成本收入比为 25.33%,比上年同期下降 1.45 个百分点。
    4、风险管控力度不断加大,资产质量总体可控
    本集团持续推进风险管理体系建设,强化风险管理,加大资产清收处置和化解力度。截至报告期末,本集团不良贷款率为 1.22%,比上年末上升 0.05 个百分点;拨备覆盖率和贷款拨备率分别为 180.58%和 2.20%。2.5 截止报告期末的股东总数、前十名股东、前十名流通股东(或无限售条件股东)持股情况表
                                                                                       单位:股
    股东总数(户)                                                                            756,541
                                     前十名股东持股情况
                                                    持有有        质押或冻结情况
                          期末持股        比例      限售条
    股东名称(全称)                                              股份状                    股东性质
                            数量          (%)       件股份                 数量
                                                    数量         态
    香港中央结算(代理       6,895,279,567    20.14            0                               未知
                                                               未知人)有限公司
    安邦人寿保险股份有       2,369,416,768     6.92            0                       0     境内非国
    限公司-稳健型投资                                               无                      有法人组合
    安邦财产保险股份有       1,665,225,632     4.86            0                       0     境内非国
                                                                 无
    限公司-传统产品                                                                         有法人
    安邦保险集团股份有       1,639,344,938     4.79            0                       0     境内非国
    限公司-传统保险产                                               无                      有法人品
    新希望投资有限公司       1,600,304,190     4.68            0             320,000,000     境内非国
                                                               未知
                                                                                         有法人
    中国人寿保险股份有       1,381,568,777     4.04            0                       0     境内非国
    限公司-传统-普通                                                                       有法人
                                                                 无保险产品-005L-CT001 沪
    上海健特生命科技有       1,149,732,989     3.36            0             991,287,387     境内非国
                                                               未知
    限公司                                                                                   有法人
    中国船东互保协会         1,086,917,406     3.18            0                       0     境内非国
                                                                 无
                                                                                         有法人
                                           7 / 19
                                    2015 年第一季度报告
    东方集团股份有限公     1,066,764,269      3.12            0                  837,086,240    境内非国
                                                               未知
    司                                                                                          有法人
    中国泛海控股集团有         838,726,939    2.45            0                  838,726,939    境内非国
                                                               未知
    限公司                                                                                      有法人
                               前十名无限售条件股东持股情况
    股东名称                            持有无限售条件流通股                 股份种类及数量
                                          的数量                      种类                 数量
    香港中央结算(代理人)有限公司              6,895,279,567       境外上市外资         6,895,279,567
                                                                      股
    安邦人寿保险股份有限公司-稳健              2,369,416,768                            2,369,416,768
                                                                人民币普通股型投资组合
    安邦财产保险股份有限公司-传统              1,665,225,632                            1,665,225,632
                                                                人民币普通股产品
    安邦保险集团股份有限公司-传统              1,639,344,938                            1,639,344,938
                                                                人民币普通股保险产品
    新希望投资有限公司                          1,600,304,190       人民币普通股         1,600,304,190
    中国人寿保险股份有限公司-传统              1,381,568,777                            1,381,568,777
                                                                人民币普通股-普通保险产品-005L-CT001 沪
    上海健特生命科技有限公司                    1,149,732,989       人民币普通股         1,149,732,989
    中国船东互保协会                            1,086,917,406       人民币普通股         1,086,917,406
    东方集团股份有限公司                        1,066,764,269       人民币普通股         1,066,764,269
    中国泛海控股集团有限公司                       838,726,939      人民币普通股           838,726,939
    上述股东关联关系或一致行动的说      安邦保险集团股份有限公司为安邦人寿保险股份有限公司和
    明                                  安邦财产保险股份有限公司的控股股东。除上述外,本公司
                                    未知股东之间关联关系。2.6 截至报告期末的优先股股东总数、前十名优先股股东、前十名优先股无限售条件股东持股情
    况表□适用 √不适用2.7 截至报告期期末,可转换公司债券情况
    1、可转换公司债券持有人情况前十名A股可转换公司债券持有人情况
                                                                       单位:元     币种:人民币
    债券持有人名称                                            持有票面金额              持有比例中国农业银行股份有限公司-招商可转债分级债券
    型证券投资基金                                                1,288,489,000                  6.99%
                                          8 / 19
                                    2015 年第一季度报告中国银行股份有限公司-银华中证转债指数增强分
    级证券投资基金                                                   904,902,000              4.91%招商银行股份有限公司-华安可转换债券债券型证
    券投资基金                                                       535,000,000              2.90%中国银行股份有限公司-宝盈核心优势灵活配置混
    合型证券投资基金                                                 455,000,000              2.47%
    全国社保基金二零七组合                                           412,750,000              2.24%
    博时价值增长证券投资基金                                         394,164,000              2.14%中国光大银行股份有限公司-博时转债增强债券型
    证券投资基金                                                     374,495,000              2.03%工银瑞信基金公司-工行-中国工商银行股份有限
    公司                                                             324,006,000              1.76%中国建设银行-工银瑞信信用添利债券型证券投资
    基金                                                             323,269,000              1.75%中国工商银行股份有限公司-易方达安心回报债券
    型证券投资基金                                                   318,434,000              1.73%注:根据上海证券交易所《关于可转换公司债券参与质押式回购交易业务的通知》等相关规定,本公司可转换公司债券自 2013 年 3 月 29 日起参与质押式回购交易。本公司根据中国证券登记结算有限责任公司提供的可转换公司债券持有人名册和各结算参与人债券回购质押专用账户具体持有人信息,进行了合并加总。
    2、报告期内可转换公司债券变动情况
                                                                      单位:元    币种:人民币
                                 变动前             本次变动增减                 变动后
    可转换公司债券名称      (2014 年 12 月 31 日)          转股          (2015 年 3 月 31 日)民生银行 A 股可转换公
                                 19,064,116,000       -628,730,000               18,435,386,000司债券
    3、报告期内可转换公司债券累计转股情况
    报告期转股额(人民币元)                                                            628,730,000
    报告期转股数(股)                                                                  77,573,007
    累计转股数(股)                                                                    191,820,397
    累计转股数占转股前本公司已发行股份总数比例                                            0.67624%
    尚未转股额(人民币元)                                                           18,435,386,000
    未转股可转换公司债券占可转换公司债券发行总量比例                                      92.17693%
                                          9 / 19
                                         2015 年第一季度报告
        4、可转换公司债券转股价格历次调整情况
                           调整后转股价格
                                                                       转股价格调整说    披露媒
      转股价格调整日       (人民币元/股)           披露时间                明            体
                                                                      派发 2012 年下半
    2013 年 6 月 27 日              10.08      2013 年 6 月 20 日
                                                                        年现金股利
                                                                      派发 2013 年中期   中国证
    2013 年 9 月 10 日               9.92      2013 年 9 月 3 日
                                                                          现金股利       券报、上
                                                                      派发 2013 年下半   海证券
    2014 年 6 月 25 日               8.18      2014 年 6 月 17 日    年股票及现金股     报、证券
                                                                             利          时报
                                                                      派发 2014 年中期
      2015 年 1 月 9 日              8.105     2014 年 12 月 30 日
                                                                          现金股利
    截至本报告期末最新转股价格(人民币元
                                             8.105
    /股)
        5、可转换公司债券信用评级情况
         本公司委托信用评级机构大公国际资信评估有限公司(简称“大公”)对本公司 2013 年 3
    月 15 日发行的“民生转债”进行了跟踪信用评级。大公对本公司 2013 年以来的经营和财务状况
    以及债务履行情况进行了信息收集和分析,于 2014 年 5 月 16 日出具了《中国民生银行股份有限
    公司 2013 年度 A 股可转换公司债券跟踪评级报告》(大公报 SD【2014】064 号),评级报告对民
    生转债信用等级维持 AA+,主体信用等级维持 AAA,评级展望维持稳定。详见 2014 年 5 月 16 日的
    《中国证券报》、《上海证券报》、《证券时报》。
        6、可转换公司债券担保人情况
        无
    三、 重要事项
    3.1 公司主要会计报表项目、财务指标重大变动的情况及原因
    √适用 □不适用
                                                                     单位:百万元   币种:人民币
                                                                与上年末相
                               2015年            2014年
        项     目                                               比增减幅度          主要原因
                               3月31日          12月31日
                                                                  (%)
    存放同业及其他金融机构款          128,414            75,462          70.17   存放同业款项增长
                                               10 / 19
                                         2015 年第一季度报告项
    向中央银行借款                   106,679             50,745             110.23   向央行借款增长以公允价值计量且其变动计
                                          0                21       -100.00      基金公司产品到期入当期损益的金融负债
                                                                 与上年同期
                               2015年            2014年
        项       目                                              相比增减幅              主要原因
                                1-3月             1-3月
                                                                   度(%)
    手续费及佣金收入                                                                 银行卡服务、托管及其他受
                                  12,831                 9,408           36.38   托业务、代理业务等手续费
                                                                                 及佣金收入增长较快
    投资(损失)/收益                                                                市场价格波动对票据买卖
                                        -54                966      -105.59
                                                                                 价差的影响
    公允价值变动收益                        517                99           422.22   衍生产品估值收益增长
    汇兑(损失)/收益                                                                市场汇率波动对汇兑损益
                                    -275                   125      -320.00
                                                                                 的影响
    其他业务收入                                                                     贵金属租赁业务收入增长
                                        664                132          403.03
                                                                                 及租赁公司业务收入增长
    资产减值损失                       6,376                 3,663           74.06   增提贷款减值准备的影响
    其他业务成本                                                                     租赁公司经营租赁业务增
                                        242                110          120.00
                                                                                 长带来经营租赁成本增长
    3.2 重要事项进展情况及其影响和解决方案的分析说明
    □适用 √不适用
    3.3 公司及持股 5%以上的股东承诺事项履行情况
    □适用 √不适用
    3.4 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重大变动的警
         示及原因说明
    □适用 √不适用
                                                            公司名称     中国民生银行股份有限公司
                                                          法定代表人     洪崎
                                                                 日期    2015 年 4 月 21 日
                                               11 / 19
                                    2015 年第一季度报告四、 附录4.1 财务报表
                                     合并资产负债表
                                    2015 年 3 月 31 日编制单位:中国民生银行股份有限公司
                                          单位:百万元    币种:人民币   审计类型:未经审计
                                                      期末余额             年初余额
                     项目
                                                    (未经审计)           (经审计)资产:
    现金及存放中央银行款项                                    434,614                471,632
    存放同业及其他金融机构款项                                128,414                75,462
    贵金属                                                     31,022                25,639
    拆出资金                                                  217,542                176,416
    以公允价值计量且其变动计入当期损益的金                     32,717                27,213融资产
    衍生金融资产                                                3,232                  3,231
    买入返售金融资产                                          508,290                675,878
    应收利息                                                   17,859                16,593
    发放贷款和垫款                                          1,845,094             1,774,159
    可供出售金融资产                                          154,653                159,724
    持有至到期投资                                            186,296                176,834
    应收款项类投资                                            263,226                234,393
    长期应收款                                                 90,495                88,824
    固定资产                                                   34,149                33,375
    无形资产                                                    5,238                  5,273
    递延所得税资产                                             12,542                11,764
    其他资产                                                   51,374                58,726
    资产总计                                              4,016,757             4,015,136负债:
    向中央银行借款                                            106,679                50,745
    同业及其他金融机构存放款项                                757,983                848,671
    拆入资金                                                   38,232                43,048
    向其他金融机构借款                                         99,500                98,847
    以公允价值计量且其变动计入当期损益的金                           0                    21融负债
    衍生金融负债                                                2,055                  2,558
    卖出回购金融资产款                                         74,129                83,291
    吸收存款                                                2,449,141             2,433,810
    应付职工薪酬                                                8,018                  7,996
    应交税费                                                    7,598                  6,078
    应付利息                                                   34,277                33,805
                                          12 / 19
                                    2015 年第一季度报告
    预计负债                                                      1,727                    1,931
    应付债券                                                   147,984                 129,279
    其他负债                                                     27,656                 27,300
    负债合计                                               3,754,979               3,767,380股东权益:
    股本                                                         34,231                 34,153
    资本公积                                                     50,433                 49,949
    其他综合收益                                                   -402                     -400
    盈余公积                                                     17,077                 17,077
    一般风险准备                                                 49,349                 49,344
    未分配利润                                                 103,391                  90,019
    归属于母公司股东权益合计                                 254,079                 240,142
    少数股东权益                                               7,699                     7,614
         股东权益合计                                        261,778                 247,756
           负债和股东权益总计                              4,016,757               4,015,136
    法定代表人:洪崎                主管会计工作负责人:白丹                会计机构负责人:白丹
                                     母公司资产负债表
                                     2015 年 3 月 31 日编制单位:中国民生银行股份有限公司
                                           单位:百万元     币种:人民币    审计类型:未经审计
                                                  期末余额                  年初余额
                   项目
                                                (未经审计)                (经审计)资产:
    现金及存放中央银行款项                                    431,256                  468,023
    存放同业款项                                              122,508                   69,027
    贵金属                                                    31,022                    25,639
    拆出资金                                                  218,919                  179,011
    以公允价值计量且其变动计入当期损益                        32,587                    27,156的金融资产
    衍生金融资产                                                3,232                      3,231
    买入返售金融资产                                          508,290                  675,868
    应收利息                                                  17,584                    16,380
    发放贷款和垫款                                          1,829,976                1,759,094
    可供出售金融资产                                          153,063                  158,335
    持有至到期投资                                            186,296                  176,834
    应收款项类投资                                            257,818                  228,946
    长期股权投资                                                5,339                      3,725
    固定资产                                                  19,301                    19,161
    无形资产                                                    3,875                      3,901
                                          13 / 19
                                  2015 年第一季度报告
    递延所得税资产                                              11,837                   11,060
    其他资产                                                    35,000                   39,691
    资产总计                                            3,867,903                 3,865,082负债:
    向中央银行借款                                          106,000                      50,000
    同业及其他金融机构存放款项                              761,788                   853,206
    拆入资金                                                    38,232                   43,048
    衍生金融负债                                                 2,055                    2,558
    卖出回购金融资产款                                          71,090                   80,075
    吸收存款                                              2,424,106                 2,406,308
    应付职工薪酬                                                 7,844                    7,707
    应交税费                                                     7,093                    5,524
    应付利息                                                    33,614                   33,199
    预计负债                                                     1,727                    1,931
    应付债券                                                147,984                   129,279
    其他负债                                                    16,139                   15,917
    负债合计                                            3,617,672                 3,628,752股东权益:
    股本                                                        34,231                   34,153
    资本公积                                                    50,136                   49,652
    其他综合收益                                                  -370                     -397
    盈余公积                                                    17,077                   17,077
    一般风险准备                                                48,445                   48,445
    未分配利润                                              100,712                      87,400
    股东权益合计                                          250,231                   236,330
         负债和股东权益总计                             3,867,903                 3,865,082
    法定代表人:洪崎               主管会计工作负责人:白丹                会计机构负责人:白丹
                                       合并利润表
                                     2015 年 1—3 月编制单位:中国民生银行股份有限公司
                                         单位:百万元    币种:人民币     审计类型:未经审计
                   项目                            本期金额                 上期金额
    一、营业收入                                                  36,030                   31,231
    利息净收入                                                    23,152                   21,195
    利息收入                                                    52,237                   46,819
    利息支出                                                    29,085                   25,624
    手续费及佣金净收入                                            12,026                    8,714
    手续费及佣金收入                                        12,831                        9,408
    手续费及佣金支出                                               805                      694
                                         14 / 19
                                   2015 年第一季度报告
    投资收益(损失)/收益                                       -54                     966
    公允价值变动收益                                            517                      99
    汇兑(损失)/收益                                          -275                     125
    其他业务收入                                                664                     132
    二、营业支出                                             18,190                  14,258
    营业税金及附加                                            2,446                   2,121
    业务及管理费                                              9,126                   8,364
    资产减值损失                                              6,376                   3,663
    其他业务成本                                                242                     110
    三、营业利润                                             17,840                  16,973
    加:营业外收入                                               59                      81
    减:营业外支出                                               17                        4
    四、利润总额                                             17,882                  17,050
    减:所得税费用                                            4,315                   4,121
    五、净利润                                               13,567                  12,929
    归属于母公司股东的净利润                                 13,377                  12,676
    归属于少数股东损益                                          190                     253
    六、其他综合收益                                             -2                     665
    归属于母公司股东的其他综和收益的税后                         -2                     656净额
    以后将重分类进损益的其他综合收益                         24                     639
    -可供出售金融资产公允价值变动形成
    的利得
    外币报表折算差额                                        -26                      17
    归属于少数股东的其他综合收益的税后净                          0                        9额
    七、综合收益总额                                         13,565                  13,594
    归属于母公司股东的综合收益总额                       13,375                  13,332
    归属于少数股东的综合收益总额                            190                     262八、每股收益:
    (一)基本每股收益                                         0.39                    0.37
    (二)稀释每股收益                                         0.37                    0.35
    法定代表人:洪崎             主管会计工作负责人:白丹               会计机构负责人:白丹
                                      母公司利润表
                                     2015 年 1—3 月编制单位:中国民生银行股份有限公司
                                        单位:百万元 币种:人民币    审计类型:未经审计
                   项目                         本期金额                 上期金额
    一、营业收入                                             34,927                  30,026
                                         15 / 19
                                  2015 年第一季度报告
    利息净收入                                                    22,575                   20,410
    利息收入                                                    50,182                   44,720
    利息支出                                                    27,607                   24,310
    手续费及佣金净收入                                            11,757                    8,310
    手续费及佣金收入                                            12,496                    8,970
    手续费及佣金支出                                               739                      660
    投资(损失)/收益                                                -55                      964
    公允价值变动收益                                                 512                       99
    汇兑(损失)/收益                                               -275                      194
    其他业务收入                                                     413                       49
    二、营业支出                                                  17,462                   13,596
    营业税金及附加                                                 2,374                    2,054
    业务及管理费                                                   8,834                    8,107
    资产减值损失                                                   6,248                    3,423
    其他业务成本                                                       6                       12
    三、营业利润                                                  17,465                   16,430
    加:营业外收入                                                    20                       15
    减:营业外支出                                                    17                        3
    四、利润总额                                                  17,468                   16,442
    减:所得税费用                                                 4,156                    3,992
    五、净利润                                                    13,312                   12,450
    六、其他综合收益                                                  27                      649
    归属于母公司股东的其他综和收益的税后                              27                      649净额
    以后将重分类进损益的其他综合收益                              24                      639
    -可供出售金融资产公允价值变动形成
    的利得
    外币报表折算差额                                               3                       10
    七、综合收益总额                                              13,339                   13,099
    法定代表人:洪崎               主管会计工作负责人:白丹                会计机构负责人:白丹
                                     合并现金流量表
                                     2015 年 1—3 月编制单位:中国民生银行股份有限公司
                                         单位:百万元   币种:人民币     审计类型:未经审计
                    项目                           本期金额                 上期金额一、经营活动产生的现金流量:
    吸收存款和同业及其他金融机构存放款项                             0                   22,308净增加额
    存放中央银行和同业及其他金融机构款项                           423                    1,577净减少额
                                         16 / 19
                                     2015 年第一季度报告
    收取利息、手续费及佣金的现金                              54,543    52,894
    向中央银行借款净增加额                                    55,934         5
    拆出资金净减少额                                               0    10,402
    买入返售金融资产净减少额                                 167,830    81,923
    卖出回购金融资产净增加额                                       0     4,179
    收到其他与经营活动有关的现金                              17,856    10,714
       经营活动现金流入小计                                296,586   184,002
    发放贷款和垫款净增加额                                    77,373    65,603
    吸收存款和同业及其他金融机构存放款项                      75,357         0净减少额
    拆入资金净减少额                                           4,816    13,423
    拆出资金净增加额                                           6,224         0
    卖出回购金融资产款净减少额                                 9,181         0
    支付利息、手续费及佣金的现金                              25,322    23,614
    支付给职工以及为职工支付的现金                             4,994     5,144
    支付的各项税费                                             6,070     6,541
    支付其他与经营活动有关的现金                              22,022    16,180
       经营活动现金流出小计                                231,359   130,505
        经营活动产生的现金流量净额                         65,227     53,497二、投资活动产生的现金流量:
    收回投资收到的现金                                        84,592    54,494
    取得投资收益收到的现金                                     8,324     2,922
    处置固定资产、无形资产和其他长期资产                           0         0收回的现金净额
       投资活动现金流入小计                                92,916     57,416
    投资支付的现金                                           118,657   125,080
    取得或增资子公司及其他营业单位支付的                           0         0现金净额
    购建固定资产、无形资产和其他长期资产                       2,063     5,320支付的现金
       投资活动现金流出小计                                120,720   130,400
        投资活动产生的现金流量净额                         -27,804   -72,984三、筹资活动产生的现金流量:
    吸收投资收到的现金                                             0         0
    其中:子公司吸收少数股东投资收到的                           0         0现金
    发行债券收到的现金                                        21,389    19,968
       筹资活动现金流入小计                                21,389     19,968
    偿还债务支付的现金                                         2,596         0
    分配股利、利润或偿付应付债券利息支付                       6,165     2,257的现金
       筹资活动现金流出小计                                 8,761      2,257
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                                   2015 年第一季度报告
      筹资活动产生的现金流量净额                           12,628                         17,711
    四、汇率变动对现金及现金等价物的影响                             117                           305
    五、现金及现金等价物净变动额                               50,168                         -1,471
    加:期初现金及现金等价物余额                            132,132                        157,001
    六、期末现金及现金等价物余额                              182,300                        155,530
    法定代表人:洪崎               主管会计工作负责人:白丹                     会计机构负责人:白丹
                                     母公司现金流量表
                                       2015 年 1—3 月编制单位:中国民生银行股份有限公司
                                         单位:百万元    币种:人民币         审计类型:未经审计
                   项目                             本期金额                      上期金额一、经营活动产生的现金流量:
    吸收存款和同业及其他金融机构存放款项                                  0                 20,327净增加额
    收取利息、手续费及佣金的现金                                  52,546                    50,838
    向中央银行借款净增加额                                       56,000                           0
    拆出资金净减少额                                                      0                 10,402
    买入返售金融资产净减少额                                     167,820                    81,923
    卖出回购金融资产款净增加额                                            0                    5,823
    收到其他与经营活动有关的现金                                  11,217                       7,317
    经营活动现金流入小计                                       287,583                   176,630
    发放贷款和垫款净增加额                                        77,239                    65,811
    吸收存款和同业及其他金融机构存放款项                          73,620                          0净减少额
    存放中央银行和同业及其他金融机构款项                           2,624                       3,267净增加额
    拆入资金净减少额                                               4,816                    13,423
    拆出资金净增加额                                               5,006                          0
    卖出回购金融资产款净减少额                                     9,004                          0
    支付利息、手续费及佣金的现金                                  23,835                    22,428
    支付给职工以及为职工支付的现金                                 4,737                       4,959
    支付的各项税费                                                 5,790                       6,097
    支付其他与经营活动有关的现金                                  17,168                    14,480
    经营活动现金流出小计                                       223,839                   130,465
      经营活动产生的现金流量净额                               63,744                     46,165二、投资活动产生的现金流量:
    收回投资收到的现金                                            84,552                    54,494
    取得投资收益收到的现金                                         8,161                       2,921
    处置固定资产、无形资产和其他长期资产                                  0                       0
                                          18 / 19
                                   2015 年第一季度报告收到的现金
    投资活动现金流入小计                                   92,713                  57,415
    投资支付的现金                                            118,455                125,038
    取得或增资子公司及其他营业单位支付的                        1,614                      0现金
    购建固定资产、无形资产和其他长期资产                        1,232                  2,202支付的现金
    投资活动现金流出小计                                   121,301                127,240
      投资活动产生的现金流量净额                            -28,588                -69,825三、筹资活动产生的现金流量:
    吸收投资收到的现金                                              0                      0
    其中:子公司吸收少数股东投资收到的现                            0                      0金
    发行债券收到的现金                                         21,389                 19,968
    筹资活动现金流入小计                                   21,389                  19,968
    偿还债务支付的现金                                          2,596                      0
    分配股利、利润或偿付应付债券利息支付                        6,165                  2,257的现金
    筹资活动现金流出小计                                    8,761                   2,257
      筹资活动产生的现金流量净额                            12,628                  17,711
    四、汇率变动对现金及现金等价物的影响                            117                    305
    五、现金及现金等价物净变动额                                 47,901                 -5,644
    加:期初现金及现金等价物余额                              125,649                155,483
    六、期末现金及现金等价物余额                                173,550                149,839
    法定代表人:洪崎                 主管会计工作负责人:白丹             会计机构负责人:白丹4.2 审计报告若公司季度报告被注册会计师出具带强调事项段或其他事项段的无保留意见的,公司还应当披露审计报告正文。本季度报告所载财务数据及指标按照中国会计准则编制且未经审计。
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