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2019年09月17日 星期二

民生银行(600016)公告正文

民生银行:2016年第三季度报告

公告日期:2016-10-29

                           2016 年第三季度报告



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
                     2016 年第三季度报告




                                 1 / 22
                                 2016 年第三季度报告




                                    目录
一、   重要提示.................................................................. 3
二、   公司主要财务数据和股东变化 ................................................ 4
三、   重要事项.................................................................. 9
四、   附录..................................................................... 13




                                       2 / 22
                                   2016 年第三季度报告




一、 重要提示


1.1 中国民生银行股份有限公司董事会、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 本公司第六届董事会第三十次会议以通讯方式召开,表决截止日期为 2016 年 10 月 28 日,会

议通知、会议文件于 2016 年 10 月 14 日以电子邮件方式发出。向董事发出表决票 15 份,收回 14

份,审议通过了本季度报告。

1.3 本公司负责人洪崎、行长郑万春、主管会计工作负责人白丹及会计机构负责人李文保证季度报

告中财务报表的真实、准确、完整。



1.4 本公司第三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,除特别说明外,

为本集团合并数据,以人民币列示。


1.5 本季度报告中“本公司”、“民生银行”指中国民生银行股份有限公司;“本集团”、“民生
银行集团”指中国民生银行股份有限公司及其附属公司。




                                                         中国民生银行股份有限公司董事会




                                         3 / 22
                                     2016 年第三季度报告




二、 公司主要财务数据和股东变化


2.1 主要财务数据
                                                                         (单位:人民币百万元)

                                本报告期末                 上年度末              本报告期末比上
           项目
                             2016 年 9 月 30 日        2015 年 12 月 31 日       年末增减(%)

资产总额                           5,636,577                 4,520,688                24.68

归属于母公司股东权益总额            326,567                   301,218                 8.42

归属于母公司股东的每股净
                                     8.95                       8.26                  8.35
资产(人民币元)

                                                                         (单位:人民币百万元)

                                                                                年初至报告期末
                                    本报告期               年初至报告期末
           项目                                                                 比上年同期增减
                                  2016 年 7-9 月           2016 年 1-9 月
                                                                                    (%)
营业收入                             38,430                   116,381                 0.18
归属于母公司股东的净利润             11,940                    39,163                 2.05
归属于母公司股东的扣除非经
                                     11,997                    39,244                 2.61
常性损益的净利润
基本每股收益(人民币元)              0.32                      1.07                 -2.73
稀释每股收益(人民币元)              0.32                      1.07                  0.94
加权平均净资产收益率(%)                                                       减少 2.71 个百分
                                      14.77                    16.58
(年化)                                                                               点
扣除非经常性损益后加权平均                                                      减少 2.61 个百分
                                      14.84                    16.62
净资产收益率(%)(年化)                                                              点

经营活动产生的现金流量净额           126,966                  855,529               598.70

每股经营活动产生的现金流量
                                      3.48                     23.45                597.92
净额(人民币元)




                                              4 / 22
                                  2016 年第三季度报告




    非经常性损益项目如下:

                                                           (单位:人民币百万元)
                                                        年初至报告期末
                    项       目                         2016 年 1-9 月
营业外收入                                                   397
其中:税款返还                                               128
      其他营业外收入                                         269
营业外支出                                                   430
其中:捐赠支出                                               280
      其他营业外支出                                         150
营业外收支净额                                               -33
减:以上各项对所得税的影响额                                  -3
非经常性损益税后影响净额                                     -30
其中:影响母公司净利润的非经常性损益                         -81
      影响少数股东净利润的非经常性损益                       51



2.2 补充财务数据



                                                           (单位:人民币百万元)

                                     本报告期末                上年度末
             项目                 2016 年 9 月 30 日       2015 年 12 月 31 日
负债总额                               5,300,872                   4,210,905
吸收存款                               2,998,848                   2,732,262
其中:公司存款                         2,434,067                   2,148,159
      个人存款                           558,290                   572,053
      汇出及应解汇款                      2,939                     5,865
      发行存款证                          3,552                     6,185
贷款和垫款总额                         2,448,871                   2,048,048
其中:公司贷款和垫款                   1,585,289                   1,320,020
      个人贷款和垫款                     863,582                   728,028
不良贷款余额                             38,487                     32,821
贷款减值准备                             59,424                     50,423




                                          5 / 22
                                    2016 年第三季度报告




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:人民币百万元)
                                                               2016 年 9 月 30 日
                    项目
                                                      本集团                          本公司
核心一级资本净额                                               332,262                         314,950
一级资本净额                                                   332,981                         314,940
总资本净额                                                     429,333                         408,855
核心一级资本充足率(%)                                            9.07                           9.08
一级资本充足率(%)                                                9.09                           9.08
资本充足率(%)                                                   11.72                          11.79
    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133亿元。

    本报告期末较2016年6月末,一级资本净额增加77.17亿元,调整后的表内外资产余额增加

3,702.55亿元,杠杆率水平下降0.19个百分点。本集团杠杆率情况如下:

                                                                           (单位:人民币百万元)
                               2016 年             2016 年             2016 年            2015 年
             项目
                              9 月 30 日          6 月 30 日          3 月 31 日        12 月 31 日
杠杆率(%)                           5.14                     5.33            5.47                 5.60
一级资本净额                      332,981                325,264           316,291              307,360
调整后的表内外资产余额           6,472,196              6,101,941         5,780,377            5,488,943




                                             6 / 22
                                   2016 年第三季度报告




2.4 管理层讨论与分析

    报告期内,公司按照“做强公司业务、做大零售业务、做优金融市场业务”的经营思路,准确

把握经济金融形势,积极应对经济环境变化,稳步推进“凤凰计划”项目,加快战略转型,优化和

调整业务结构,完善风险管理体系,稳定资产质量,促进各项业务持续、稳健发展。


    (一)经营业绩平稳增长

    报告期内,本集团实现归属于母公司股东的净利润391.63亿元,同比增加7.86亿元,增幅2.05%;

实现营业收入1,163.81亿元,同比增加2.11亿元,增幅0.18%;基本每股收益1.07元,同比减少0.03

元,降幅2.73%;归属于母公司股东每股净资产8.95元,比上年末增加0.69元,增幅8.35%;平均

总资产收益率和加权平均净资产收益率分别为1.05%和16.58%,同比分别下降0.19和2.71个百分点。


    (二)资产负债规模稳健扩张

    截至报告期末,本集团资产总额56,365.77亿元,比上年末增加11,158.89亿元,增幅24.68%;

其中发放贷款和垫款总额24,488.71亿元,比上年末增加4,008.23亿元,增幅19.57%;交易和银行

账户投资净额20,460.69亿元,比上年末增加11,325.07亿元,增幅123.97%。本集团吸收存款总额

29,988.48亿元,比上年末增加2,665.86亿元,增幅9.76%。

    (三)运营效率不断提升

    报告期内,本集团加强成本精细化管理,增强成本管控力度,成本收入比为26.70%,比上年

同期下降1.15个百分点,运营效率不断提升。

    (四)资产质量总体可控

    本集团不断强化资产质量和风险管理,加大不良资产清收处置力度,有效控制资产质量,确

保资产质量总体可控。截至报告期末,本集团不良贷款率为1.57%,比上年末下降0.03个百分点;

拨备覆盖率为154.40%,比上年末上升0.77个百分点。




                                         7 / 22
                                     2016 年第三季度报告




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)                                                                             316,935
                                    前十名股东持股情况
  股东名称       期末持股数量     比例(%)     持有有限         质押或冻结情况            股东性质
  (全称)                                    售条件股      股份状          数量
                                              份数量          态
香港中央结算
(代理人)有      6,898,577,507      18.91            -      未知                   -      其他
限公司
安邦人寿保险
股份有限公司                                                                             境内非国
                  2,369,416,768       6.49            -       无                    -
-稳健型投资                                                                             有法人
组合
中国泛海控股                                                                             境内非国
                  1,679,652,182       4.60            -      未知      1,679,652,182
集团有限公司                                                                             有法人
安邦财产保险
                                                                                         境内非国
股份有限公司      1,665,225,632       4.56            -       无                    -
                                                                                         有法人
-传统产品
安邦保险集团
股份有限公司                                                                             境内非国
                  1,639,344,938       4.49            -       无                    -
-传统保险产                                                                             有法人

中国证券金融                                                                             境内非国
                  1,532,943,561       4.20            -       无                    -
股份有限公司                                                                             有法人
新希望投资有                                                                             境内非国
                  1,523,606,135       4.18            -       无                    -
限公司                                                                                   有法人
上海健特生命                                                                             境内非国
                  1,149,732,989       3.15            -      未知      1,149,732,989
科技有限公司                                                                             有法人
中国船东互保                                                                             境内非国
                  1,086,917,406       2.98            -      未知         110,000,000
协会                                                                                     有法人
东方集团股份                                                                             境内非国
                  1,066,764,269       2.92            -      未知         930,466,240
有限公司                                                                                 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)
                                      6,898,577,507       境外上市外资股            6,898,577,507
有限公司
安邦人寿保险股份有限公
                                      2,369,416,768        人民币普通股             2,369,416,768
司-稳健型投资组合
中国泛海控股集团有限公
                                      1,679,652,182        人民币普通股             1,679,652,182


                                             8 / 22
                                         2016 年第三季度报告



 安邦财产保险股份有限公
                                         1,665,225,632         人民币普通股            1,665,225,632
 司-传统产品
 安邦保险集团股份有限公
                                         1,639,344,938         人民币普通股            1,639,344,938
 司-传统保险产品
 中国证券金融股份有限公
                                         1,532,943,561         人民币普通股            1,532,943,561
 司
 新希望投资有限公司                      1,523,606,135         人民币普通股            1,523,606,135
 上海健特生命科技有限公
                                         1,149,732,989         人民币普通股            1,149,732,989
 司
 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
 上述股东关联关系或一致       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安邦财
 行动的说明                   产保险股份有限公司的控股股东。除上述外,本公司未知其他上述股
                              东之间关联关系。
 表决权恢复的优先股股东       不适用。
 及持股数量的说明
 注:H 股股东持股情况根据 H 股股份过户登记处设置的公司股东名册中所列的股份数目统计。




 2.6 截止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



 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:人民币百万元)
                         2016 年         2015 年         与上年末增减
         项目                                                                      主要原因
                        9 月 30 日     12 月 31 日         幅度(%)
存放同业及其他金融                                                       存放同业及其他金融机构业
                         199,322         101,428               96.52
机构款项                                                                 务规模增长
贵金属                    31,010          18,425               68.30     贵金属业务规模增长
买入返售金融资产          62,579         570,657            -89.03
以公允价值计量且其
变动计入当期损益的        43,504          26,959               61.37     资产业务结构调整和优化,买
金融资产                                                                 入返售票据业务规模下降的
可供出售金融资产         267,756         157,000               70.55     同时,扩大投资业务规模
持有至到期投资           655,932         278,364            135.64
应收款项类投资           1,078,877       451,239            139.09

                                               9 / 22
                                   2016 年第三季度报告



应收利息              26,230        19,164               36.87      生息资产规模增加的影响
长期股权投资            27            13                107.69      子公司对外投资增长
衍生金融资产          11,921         5,175              130.36      货币掉期业务增长带来的公
衍生金融负债          12,257         3,326              268.52      允价值变动
向中央银行借款        220,439       62,477              252.83      向中央银行借款规模增长
拆入资金              128,936       70,395               83.16      拆入资金业务增长
以公允价值计量且其                                                  以公允价值计量且其变动计
变动计入当期损益的      500          337                 48.37      入当期损益的金融负债业务
金融负债                                                            规模增长
                                                                    卖出回购债券和票据业务规
卖出回购金融资产款    150,352       49,129              206.04
                                                                    模增长
预计负债               1,117         1,925              -41.97      表外业务风险敞口下降
应付债券              415,607       181,233             129.32      同业存单发行规模增长
                                                                    可供出售金融资产公允价值
其他综合收益            407          1,451              -71.95
                                                                    变动
                                                     与上年同期相
                      2016 年       2015 年
       项目                                          比增减幅度                主要原因
                       1-9 月        1-9 月
                                                         (%)
投资收益               6,764         4,818               40.39      投资收益、公允价值变动(损
公允价值变动(损                                                     失)/收益和汇兑损失合计
                       -2,203        960               当期为负
失)/收益                                                            27.32 亿元,同比减少 28.19
                                                                    亿元,主要是票据买卖价差收
汇兑(损失)/收益      -1,829        -227              两期为负
                                                                    益的减少
营业税金及附加         3,794         7,534              -49.64      “营改增”的影响
                                                                    对外捐赠及子公司发生的非
营业外支出              430           51                743.14
                                                                    经常性支出的增长




 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



                                           10 / 22
                                     2016 年第三季度报告




3.5 报告期内现金分红政策的执行情况
    √适用   □不适用
    本公司董事会根据 2016 年 6 月 7 日召开的 2015 年年度股东大会和 2016 年 8 月 29 日召开的
第六届董事会第二十八次会议审议通过的 2016 年中期利润分配方案,向公司股东实施了分红派息。
以截至股权登记日总股本为基数,向登记在册的股东派发现金股利:每 10 股派发人民币 1.15 元
(含税)。现金派息总额共计约人民币 41.96 亿元。现金股利以人民币计值和宣布,以人民币向
A 股股东支付,以港币向 H 股股东支付。2016 年 9 月 26 日完成 A 股股东现金红利派发事宜,2016
年 10 月 21 日完成 H 股股东现金红利派发事宜。有关实施详情请参阅本公司刊登的公告。
    本公司现金分红政策的制定及执行情况符合本公司公司章程的规定及股东大会决议的要求,
分红标准和比例清晰明确,决策程序和机制完备,并经独立董事审议同意。中小股东可通过参加
股东大会并行使表决权、对业务经营活动提出建议或质询等方式充分表达意见和诉求,其合法权
益得到充分维护。




                                                       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   2016 年 10 月 28 日




                                           11 / 22
                                   2016 年第三季度报告




                     中国民生银行股份有限公司董事、高级管理人员
                     关于公司 2016 年第三季度报告的书面确认意见


    根据《中华人民共和国证券法》、《公开发行证券的公司信息披露编报规则第 13 号<季度报
告内容与格式特别规定>》(2014 年修订)和《上海证券交易所股票上市规则》等相关规定和要
求,作为中国民生银行股份有限公司的董事、高级管理人员,我们在全面了解和审核公司 2016
年第三季度报告后,出具意见如下:
    1、公司严格按照企业会计准则及有关规定规范运作,公司 2016 年第三季度报告公允地反映
了公司本报告期的财务状况和经营成果。
    2、我们保证公司 2016 年第三季度报告所披露的信息真实、准确、完整,承诺其所载资料不
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。


    董事、高管人员签名:

        洪崎________张宏伟________卢志强________


        刘永好_______梁玉堂________王玉贵________


        王航________王军辉________吴迪_________


        郭广昌_______姚大锋________秦荣生________


        王立华_______韩建旻________郑海泉________


        巴曙松_______尤兰田________郑万春________


        万青元_______白丹_________石杰_________


        李彬________林云山________



                                                         中国民生银行股份有限公司董事会
                                                                      2016 年 10 月 28 日


                                         12 / 22
                                        2016 年第三季度报告




四、 附录


财务报表
                                     中国民生银行股份有限公司
                                   合并资产负债表和资产负债表
                                         2016 年 9 月 30 日
                            (除特别注明外,金额单位为人民币百万元)



                                                        民生银行集团                   民生银行
                                                    2016 年            2015 年     2016 年         2015 年
资产                                              9 月 30 日     12 月 31 日     9 月 30 日   12 月 31 日
                                                   未经审计            经审计    未经审计           经审计

       现金及存放中央银行款项                      455,086          432,831       451,941          429,493
       存放同业及其他金融机构款项                  199,322          101,428       186,811           94,362
       贵金属                                        31,010            18,425       31,010          18,425
       拆出资金                                    161,778          229,217       161,544          230,579
       以公允价值计量且其变劢计入当期
         损益的金融资产                              43,504            26,959       42,006          26,166
       衍生金融资产                                  11,921             5,175       11,788           5,055
       买入返售金融资产                              62,579         570,657         59,579         570,657
       应收利息                                      26,230            19,164       25,811          18,889
       发放贷款和垫款                             2,389,447       1,997,625      2,373,592        1,981,855
       可供出售金融资产                            267,756          157,000       265,685          155,033
       持有至到期投资                              655,932          278,364       653,747          278,364
       应收款项类投资                             1,078,877         451,239      1,076,691         449,565
       长期应收款                                  102,624             92,579             -               -
       长期股权投资                                       27               13        5,385           5,364
       固定资产                                      38,271            37,726       20,355          19,934
       无形资产                                         5,113           5,293        3,792           3,949
       递延所得税资产                                20,307            15,863       19,329          14,878
       其他资产                                      86,793            81,130       57,264          54,900

资产总计                                          5,636,577       4,520,688      5,446,330        4,357,468




                                              13 / 22
                                        2016 年第三季度报告



                                   中国民生银行股份有限公司
                               合并资产负债表和资产负债表 (续)
                                       2016 年 9 月 30 日
                            (除特别注明外,金额单位为人民币百万元)



                                                        民生银行集团                      民生银行
                                                    2016 年            2015 年       2016 年          2015 年
负债和股东权益                                    9 月 30 日     12 月 31 日      9 月 30 日     12 月 31 日
                                                   未经审计            经审计      未经审计            经审计

负债
       向中央银行借款                              220,439             62,477       220,000            62,000
       同业及其他金融机构存放款项                 1,158,800         920,380       1,164,127           926,866
       拆入资金                                    128,936             70,395       126,436            68,095
       以公允价值计量且其变劢计入当期
       损益的金融负债                                    500              337            500              337
       向其他金融机构借款                          127,333          108,538                  -               -
       衍生金融负债                                  12,257             3,326         12,257            3,326
       卖出回购金融资产款                          150,352             49,129       149,497            47,406
       吸收存款                                   2,998,848       2,732,262       2,964,831          2,702,166
       应付职工薪酬                                     9,836           9,140          9,460            8,724
       应交税费                                      10,834             9,008         10,691            8,554
       应付利息                                      33,887            33,367         33,008           32,611
       预计负债                                         1,117           1,925          1,117            1,925
       应付债券                                    415,607          181,233         415,606           181,232
       其他负债                                      32,126            29,388         17,537           17,649

负债合计                                          5,300,872       4,210,905       5,125,067          4,060,891
                                                -------------    -------------   -------------   -------------




                                              14 / 22
                                       2016 年第三季度报告



                                中国民生银行股份有限公司
                            合并资产负债表和资产负债表 (续)
                                    2016 年 9 月 30 日
                         (除特别注明外,金额单位为人民币百万元)



                                                       民生银行集团                         民生银行
                                                   2016 年            2015 年          2016 年          2015 年
负债和股东权益 (续)                              9 月 30 日     12 月 31 日         9 月 30 日     12 月 31 日
                                                  未经审计            经审计         未经审计            经审计

股东权益
    股本                                            36,485            36,485            36,485           36,485
    资本公积                                        64,744            64,744            64,447           64,447
    其他综合收益                                        407            1,451               136            1,251
    盈余公积                                        28,045            25,361            28,045           25,361
    一般风险准备                                    64,448            56,351            63,510           55,467
    未分配利润                                    132,438          116,826            128,640           113,566

    归属亍母公司股东权益合计                      326,567          301,218            321,263           296,577
                                               -------------    -------------      -------------   -------------
    少数股东权益                                       9,138           8,565                   -               -
                                               -------------    -------------      -------------   -------------
股东权益合计                                      335,705          309,783            321,263           296,577
                                               -------------    -------------      -------------   -------------

负债和股东权益总计                               5,636,577       4,520,688          5,446,330          4,357,468




___________________             ___________________
洪崎                            郑万春
法定代表人、董事长              行长



___________________             ___________________
白丹                            李文                                  (公司盖章)
主管会计工作负责人              会计机构负责人




                                             15 / 22
                                      2016 年第三季度报告



                                  中国民生银行股份有限公司
                                      合并利润表和利润表
                              截至 2016 年 9 月 30 日止 9 个月期间
                           (除特别注明外,金额单位为人民币百万元)

                                                      民生银行集团                        民生银行
                                             截至 9 月 30 日止 9 个月期间       截至 9 月 30 日止 9 个月期间
                                                  2016 年            2015 年         2016 年          2015 年
                                                 未经审计         未经审计         未经审计          未经审计
一、营业收入
    利息收入                                     149,416           154,521          143,931          148,303
    利息支出                                      (78,527)           (84,032)        (74,958)         (79,837)

    利息净收入                                     70,889            70,489           68,973          68,466

    手续费及佣金收入                               42,721            40,843           41,141          39,399
    手续费及佣金支出                                  (2,778)         (2,891)         (2,590)          (2,560)

    手续费及佣金净收入                             39,943            37,952           38,551          36,839

    投资收益                                          6,764           4,818            6,702            4,829
    公允价值变劢(损失) /收益                          (2,203)           960           (2,183)            976
    汇兑损失                                          (1,829)          (227)          (1,768)           (222)
    其他业务收入                                      2,817           2,178            1,664            1,303

    营业收入合计                                 116,381           116,170          111,939          112,191
                                              -------------     -------------    -------------   -------------
二、营业支出
    营业税金及附加                                    (3,794)         (7,534)         (3,744)          (7,329)
    业务及管理费                                  (31,074)           (32,352)        (29,907)         (31,361)
    资产减值损失                                  (30,665)           (24,844)        (30,127)         (24,192)
    其他业务成本                                       (862)           (835)              (18)            (42)

    营业支出合计                                  (66,395)           (65,565)        (63,796)         (62,924)
                                              -------------     -------------    -------------   -------------

三、营业利润                                       49,986            50,605           48,143          49,267
    加:营业外收入                                      397             372              255             153
    减:营业外支出                                     (430)             (51)           (363)             (74)

四、利润总额                                       49,953            50,926           48,035          49,346
    减:所得税费用                                (10,064)           (11,863)         (9,464)         (11,348)

五、净利润                                         39,889            39,063           38,571          37,998

    归属亍母公司股东的净利润                       39,163            38,377           38,571          37,998
    归属亍少数股东损益                                  726             686                  -               -




                                            16 / 22
                                            2016 年第三季度报告



                                  中国民生银行股份有限公司
                                   合并利润表和利润表 (续)
                              截至 2016 年 9 月 30 日止 9 个月期间
                           (除特别注明外,金额单位为人民币百万元)

                                                            民生银行集团                      民生银行
                                                   截至 9 月 30 日止 9 个月期间      截至 9 月 30 日止 9 个月期间
                                                        2016 年            2015 年       2016 年          2015 年
                                                       未经审计        未经审计         未经审计         未经审计

六、其他综合收益                                            (1,005)           882          (1,115)           832

    归属亍母公司所有者的其他综合
      收益的税后净额                                        (1,044)           868          (1,115)           832
      以后将重分类进损益的
        其他综合收益
        可供出售金融资产公允价值
          变劢收益                                          (1,119)           823          (1,085)           809
        外币报表折算差额                                       75              45             (30)            23

    归属亍少数股东的其他综合收益的
      税后净额                                                 39              14               -               -

七、综合收益总额                                         38,884            39,945         37,456          38,830


    归属亍母公司股东的综合收益总额                       38,119            39,245         37,456          38,830
    归属亍少数股东的综合收益总额                              765             700               -               -


八、每股收益 (金额单位为人民币元)

    基本每股收益                                             1.07             1.10
    稀释每股收益                                             1.07             1.06




___________________                  ___________________
洪崎                                 郑万春
法定代表人、董事长                   行长



___________________                  ___________________
白丹                                 李文                                  (公司盖章)
主管会计工作负责人                   会计机构负责人




                                                  17 / 22
                                    2016 年第三季度报告



                                中国民生银行股份有限公司
                                    合并利润表和利润表
                                2016 年 7-9 月 3 个月期间
                         (除特别注明外,金额单位为人民币百万元)

                                                    民生银行集团                       民生银行
                                                        7-9 月 3 个月期间                7-9 月 3 个月期间
                                                2016 年            2015 年        2016 年          2015 年
                                               未经审计         未经审计        未经审计          未经审计
一、营业收入
    利息收入                                     51,366            51,654          49,464          49,441
    利息支出                                    (27,915)           (28,159)       (26,704)         (26,856)

    利息净收入                                   23,451            23,495          22,760          22,585

    手续费及佣金收入                             12,934            13,821          12,301          13,291
    手续费及佣金支出                                (1,050)         (1,014)          (931)           (864)

    手续费及佣金净收入                           11,884            12,807          11,370          12,427

    投资收益                                          757           1,749             706            1,806
    公允价值变劢收益                                  985             383             994             364
    汇兑(损失)/收益                                  (47)             98             (47)           103
    其他业务收入                                    1,400             736           1,072             428

    营业收入合计                                 38,430            39,268          36,855          37,713
                                            -------------     -------------   -------------   -------------
二、营业支出
    营业税金及附加                                   (300)          (2,487)          (287)          (2,429)
    业务及管理费                                (13,122)           (11,327)       (12,680)         (10,877)
    资产减值损失                                    (9,903)         (9,833)        (9,634)          (9,508)
    其他业务成本                                     (301)           (321)               1             (30)

    营业支出合计                                (23,626)           (23,968)       (22,600)         (22,844)
                                            -------------     -------------   -------------   -------------

三、营业利润                                     14,804            15,300          14,255          14,869
    加:营业外收入                                    263             128             166             115
    减:营业外支出                                   (295)             (31)          (294)             (23)

四、利润总额                                     14,772            15,397          14,127          14,961
    减:所得税费用                                  (2,585)         (3,606)        (2,397)          (3,441)

五、净利润                                       12,187            11,791          11,730          11,520

    归属亍母公司股东的净利润                     11,940            11,599          11,730          11,520
    归属亍少数股东损益                                247             192                 -               -




                                          18 / 22
                                            2016 年第三季度报告



                                  中国民生银行股份有限公司
                                  合并利润表和利润表 (续)
                                  2016 年 7-9 月 3 个月期间
                           (除特别注明外,金额单位为人民币百万元)

                                                            民生银行集团                    民生银行
                                                               7-9 月 3 个月期间              7-9 月 3 个月期间
                                                        2016 年            2015 年       2016 年        2015 年
                                                       未经审计        未经审计         未经审计       未经审计

六、其他综合收益                                              63              618            34            596

    归属亍母公司所有者的其他综合
      收益的税后净额                                          49              635            34            596
      以后将重分类进损益的
        其他综合收益
        可供出售金融资产公允价值
          变劢收益                                            31              558            31            576
        外币报表折算差额                                      18               77             3             20

    归属亍少数股东的其他综合收益的
      税后净额                                                14               (17)            -              -

七、综合收益总额                                         12,250            12,409        11,764         12,116


    归属亍母公司股东的综合收益总额                       11,989            12,234        11,764         12,116
    归属亍少数股东的综合收益总额                             261              175              -              -


八、每股收益 (金额单位为人民币元)

    基本每股收益                                             0.32             0.32
    稀释每股收益                                             0.32             0.32




___________________                  ___________________
洪崎                                 郑万春
法定代表人、董事长                   行长



___________________                  ___________________
白丹                                 李文                                  (公司盖章)
主管会计工作负责人                   会计机构负责人




                                                  19 / 22
                                      2016 年第三季度报告




                                    中国民生银行股份有限公司
                                  合并现金流量表和现金流量表
                              截至 2016 年 9 月 30 日止 9 个月期间
                           (除特别注明外,金额单位为人民币百万元)



                                                      民生银行集团                        民生银行
                                             截至 9 月 30 日止 9 个月期间       截至 9 月 30 日止 9 个月期间
                                                  2016 年            2015 年        2016 年            2015 年
                                                 未经审计        未经审计          未经审计          未经审计

一、经营活劢产生的现金流量

    吸收存款和同业及其他金融机构
      存放款项净增加额                            505,006         325,808           499,926            327,207
    收取利息、手续费及佣金的现金                  155,290         166,189           148,827            159,338
    向中央银行借款净增加额                        157,962                  -        158,000                     -
    拆出资金净减少额                                70,135                 -          71,331                    -
    拆入资金净增加额                                58,541                 -          58,341                    -
    买入返售金融资产净减少额                      506,383         206,718           509,383            206,708
    卖出回购金融资产款净增加额                    101,050                  -        101,918                     -
    收到其他与经营活劢有关的现金                    25,700           16,552            4,090            11,700

    经营活劢现金流入小计                        1,580,067         715,267         1,551,816            704,953
                                                -------------   -------------     -------------      -------------
    发放贷款和垫款净增加额                       (421,608)       (184,755)         (421,363)          (183,891)
    存放中央银行和同业及其他金融
      机构款项净增加额                           (136,361)           (39,674)      (142,073)           (44,989)
    向中央银行借款净减少额                                  -        (32,766)                 -        (32,500)
    拆出资金净增加额                                        -    (132,008)                    -       (133,413)
    拆入资金净减少额                                        -         (2,495)                 -          (2,495)
    卖出回购金融资产款净减少额                              -        (65,291)                 -        (63,638)
    支付利息、手续费及佣金的现金                   (72,610)          (79,824)        (68,975)          (75,575)
    支付给职工以及为职工支付的现金                 (15,777)          (14,693)        (14,985)          (14,075)
    支付的各项税费                                 (20,436)          (21,651)        (19,503)          (20,677)
    支付其他与经营活劢有关的现金                   (57,746)          (19,665)        (45,354)          (15,255)

    经营活劢现金流出小计                         (724,538)       (592,822)         (712,253)          (586,508)
                                                -------------   -------------     -------------      -------------

    经营活劢产生的现金流量净额                    855,529         122,445           839,563            118,445




                                            20 / 22
                                      2016 年第三季度报告



                                  中国民生银行股份有限公司
                              合并现金流量表和现金流量表 (续)
                              截至 2016 年 9 月 30 日止 9 个月期间
                           (除特别注明外,金额单位为人民币百万元)

                                                       民生银行集团                         民生银行
                                              截至 9 月 30 日止 9 个月期间        截至 9 月 30 日止 9 个月期间
                                      附注         2016 年            2015 年          2016 年           2015 年
                                                  未经审计         未经审计          未经审计          未经审计
二、投资活劢产生的现金流量

    收回投资收到的现金                           1,013,948          406,605         1,013,356            406,304
    取得投资收益收到的现金                           29,296           22,167            29,191            21,529
    处置固定资产、无形资产和其他
      长期资产收到的现金                               1,455                 7               18                   3

    投资活劢现金流入小计                         1,044,699          428,779         1,042,565            427,836
                                                 -------------    -------------     -------------      -------------
    投资支付的现金                              (2,124,502)        (620,713)       (2,120,789)          (619,186)
    取得或增资子公司及其他营业单位
      支付的现金                                          (14)               -              (21)           (1,639)
    购建固定资产、无形资产和其他
      长期资产支付的现金                               (4,650)         (5,323)          (1,720)            (2,617)

    投资活劢现金流出小计                        (2,129,166)        (626,036)       (2,122,530)          (623,442)
                                                 -------------    -------------     -------------      -------------

    投资活劢使用的现金流量净额                  (1,084,467)        (197,257)       (1,079,965)          (195,606)
                                                 -------------    -------------     -------------      -------------
三、筹资活劢产生的现金流量


    吸收投资收到的现金                                    20               25                   -                 -
      其中:子公司吸收少数股东投资
              收到的现金                                  20               25                   -                 -
    发行债券收到的现金                             440,497          180,505           440,497            180,505

    筹资活劢现金流入小计                           440,517          180,530           440,497            180,505
                                                 -------------    -------------     -------------      -------------
    偿还债务支付的现金                            (208,764)        (100,756)         (208,764)          (100,756)
    分配股利、利润或偿付应付债券
      利息支付的现金                                (17,588)          (10,488)         (17,450)          (10,383)

    筹资活劢现金流出小计                          (226,352)        (111,244)         (226,214)          (111,139)
                                                 -------------    -------------     -------------      -------------

    筹资活劢产生的现金流量净额                     214,165            69,286          214,283             69,366
                                               -------------     -------------     -------------    -------------



                                             21 / 22
                                          2016 年第三季度报告



                                中国民生银行股份有限公司
                            合并现金流量表和现金流量表 (续)
                            截至 2016 年 9 月 30 日止 9 个月期间
                         (除特别注明外,金额单位为人民币百万元)



                                                          民生银行集团                        民生银行
                                                 截至 9 月 30 日止 9 个月期间       截至 9 月 30 日止 9 个月期间
                                                      2016 年            2015 年        2016 年            2015 年
                                                     未经审计        未经审计          未经审计          未经审计

四、汇率变劢对现金及现金等价物的
      影响                                                1,582             659             1,564                659
                                                    -------------   -------------     -------------      -------------

五、现金及现金等价物净增加额                          (13,191)            (4,867)        (24,555)            (7,136)


    加:期初现金及现金等价物余额                      126,460         132,132           122,962            125,649

六、期末现金及现金等价物余额                          113,269         127,265            98,407            118,513




___________________                ___________________
洪崎                               郑万春
法定代表人、董事长                 行长




___________________                ___________________
白丹                               李文                                  (公司盖章)
主管会计工作负责人                 会计机构负责人




审计报告
□适用 √不适用




                                                22 / 22