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民生银行(600016)公告正文

民生银行:2017年第三季度报告(修订版)

公告日期:2017-11-01

                           2017 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
                     2017 年第三季度报告

                          (修订版)




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                                 2017 年第三季度报告




                                    目录
一、   重要提示.................................................................. 3
二、   公司基本情况 .............................................................. 3
三、   重要事项................................................................. 10
四、   附录..................................................................... 12




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                                     2017 年第三季度报告




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 本季度报告于 2017 年 10 月 30 日由本公司第七届董事会第六次会议审议通过。本次会议以

通讯方式召开,表决截止日期为 2017 年 10 月 30 日,会议通知、会议文件及补充会议通知、会

议文件分别于 2017 年 10 月 16 日及 10 月 26 日以电子邮件方式发出。向董事发出表决票 15 份,

收回 15 份。

1.3 公司董事长洪崎、行长郑万春、主管会计工作负责人白丹及会计机构负责人(会计主管人员)

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未经审计。

1.5 本季度报告所载财务数据及指标按照中国会计准则编制,除特别说明外,为本集团合并数据,

以人民币列示。



二、 公司基本情况


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           本报告期末比上年
           项目
                             2017 年 9 月 30 日      2016 年 12 月 31 日       度末增减(%)

资产总额                           5,712,525               5,895,877               -3.11

归属于母公司股东权益总额           370,748                 342,590                 8.22

归属于母公司普通股股东权
                                   360,856                 332,698                 8.46
益总额
归属于母公司普通股股东的
                                     9.89                    9.12                  8.44
每股净资产(人民币元)




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                                        2017 年第三季度报告




                                                                       (单位:人民币百万元)

                                                                                     年初至报告
                                                     本报告期
                                    本报告期                       年初至报告期末    期末比上年
             项目                                  比上年同期
                                  2017 年 7-9 月                   2017 年 1-9 月    同期增减
                                                     增减(%)
                                                                                       (%)
营业收入                             35,406            -7.87          105,941           -8.97
归属于母公司股东的净利润             12,155             1.80           40,243           2.76
归属于母公司股东的扣除非经
                                     12,252             2.13           40,181           2.39
常性损益的净利润
基本每股收益(人民币元)              0.33              3.13            1.10            2.80
稀释每股收益(人民币元)              0.33              3.13            1.10            2.80
加权平均净资产收益率(%)                           减少 1.20 个                     减少 1.22 个
                                      13.57                            15.36
(年化)                                               百分点                          百分点
扣除非经常性损益后加权平均                          减少 1.16 个                     减少 1.28 个
                                      13.68                            15.34
净资产收益率(%)(年化)                              百分点                          百分点

经营活动产生的现金流量净额           不适用            不适用         -367,752        本期为负




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                                     2017 年 1-9 月
营业外收入                                                               455
其中:税款返还                                                           238
      其他营业外收入                                                     217
营业外支出                                                               216
其中:捐赠支出                                                           144
      其他营业外支出                                                      72
营业外收支净额                                                           239
减:以上各项对所得税的影响额                                             110
非经常性损益税后影响净额                                                 129
其中:影响母公司股东净利润的非经常性损益                                  62
      影响少数股东净利润的非经常性损益                                    67




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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                  2017 年 9 月 30 日                  2016 年 12 月 31 日
负债总额                               5,331,251                             5,543,850
吸收存款                               2,936,748                             3,082,242
其中:公司存款                         2,409,105                             2,522,232
      个人存款                          508,807                               540,548
      汇出及应解汇款                     2,522                                 6,670
      发行存款证                        16,314                                12,792
贷款和垫款总额                         2,780,722                             2,461,586
其中:公司贷款和垫款                   1,703,407                             1,560,664
      个人贷款和垫款                   1,077,315                              900,922
不良贷款余额                            47,060                                41,435
贷款减值准备                            73,072                                64,394



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)
                                                                2017 年 9 月 30 日
                    项目
                                                    本集团                           本公司
核心一级资本净额                                    367,131                          348,027
一级资本净额                                        377,875                          357,902
总资本净额                                          491,064                          466,902
核心一级资本充足率(%)                                  8.85                         8.86
一级资本充足率(%)                                      9.11                         9.11
资本充足率(%)                                      11.84                            11.89
   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90亿元。



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    本报告期末较2017年6月末,一级资本净额增加67.41亿元,调整后的表内外资产余额减少

1,308.33亿元,杠杆率水平提高0.22个百分点。本集团杠杆率情况如下:

                                                                      (单位:人民币百万元)
                                2017 年           2017 年          2017 年        2016 年
          项目
                               9 月 30 日        6 月 30 日       3 月 31 日    12 月 31 日
杠杆率(%)                           5.91                 5.69          5.40            5.19
一级资本净额                       377,875             371,134       363,397          349,263
调整后的表内外资产余额           6,389,647            6,520,480    6,728,790        6,735,442



2.4 经营情况讨论与分析


    本公司积极应对外部经营环境和监管政策的调整变化,深入贯彻落实中央经济工作会议精神,

持续深化经营体制改革,加大“凤凰计划”项目落地实施力度,加快业务结构优化调整步伐,进

一步强化全面风险管理,资产质量基本稳定,盈利能力不断提升,各项业务保持稳健发展的态势。

    (一)经营效益持续增长,股东回报保持稳定

    2017年前三季度,本集团实现归属于母公司股东的净利润402.43亿元,同比增长10.80亿元,

增幅2.76%,盈利水平持续增长;加权平均净资产收益率和平均总资产收益率分别为15.36%和

0.94%,同比分别下降1.22和0.11个百分点;基本每股收益1.10元,同比增长0.03元;归属于母

公司普通股股东的每股净资产9.89元,比上年末增长0.77元,股东回报水平保持稳定。

    (二)收入结构不断优化,持续推进降本增效

    2017年前三季度,本集团实现营业收入1,059.41亿元,其中实现非利息净收入429.68亿元,

非利息净收入占比40.56%,同比提升1.47个百分点,收入结构持续优化。

    持续推进降本增效。本公司不断加快“凤凰计划-成本效率项目”的落地实施,在社区网点产

能提高、固定资产盘活、运营客服转型以及科技运维和人力资本提升等方面采取一系列降本增效

举措。2017年前三季度,本集团成本收入比28.28%,业务及管理费列支299.64亿元,同比降低

3.57%。

    (三)积极调整经营策略,业务结构持续优化

    2017年前三季度,本公司主动调整经营策略,适度收缩业务规模,持续优化业务结构,加快

战略业务转型,取得明显成效。



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    一是资产负债结构持续优化。截至报告期末,本集团总资产规模57,125.25亿元,比上年末下

降1,833.52亿元,降幅3.11%。其中,发放贷款和垫款总额27,807.22亿元,比上年末增长3,191.36

亿元,增幅12.96%,发放贷款和垫款总额占总资产的比重达到48.68%,比上年末提升6.93个百

分点;负债总额53,312.51亿元,其中吸收存款总额29,367.48亿元,活期存款余额占比43.95%,

比上年末提升1.49个百分点。

    二是业务结构调整成效明显。2017年前三季度,在公司业务方面,持续做强投资银行和交易

银行业务,大力推动供应链金融模式创新,不断夯实客户基础,本公司境内有余额对公存款客户

达95.49万户,对公贷款余额(含贴现)16,983.18亿元,对公存款余额23,896.50亿元。在零售业

务方面,加强信用卡与个人金融、小微金融的业务协同,推进私人银行业务转型,持续做大零售

业务,不断提升零售业务收入贡献,个人非零客户3,366.30万户,管理个人客户金融资产14,142.10

亿元,比上年末增长1,521.97亿元,实现零售业务净收入371.95亿元,在本公司营业收入中占比

36.88%,同比提升3.40个百分点。在金融市场业务方面,抓住金融市场发展机遇,加强同业战略

合作平台建设,截至报告期末,本公司交易及银行账户投资净额19,537.78亿元,同业资产规模达

到2,512.47亿元,同业负债规模达到13,499.31亿元,资产托管规模余额69,881.35亿元。在网络

金融业务方面,快速做大直销银行客户数、金融资产规模,加大网络支付市场布局力度,不断加

快渠道支付结算产品创新,手机银行交易笔数3.51亿笔,交易金额7.22万亿元;个人网银交易笔

数15.60亿笔,交易金额8.06万亿元;直销银行客户836.10万户,如意宝申购总额18,724.50亿元。

在综合化经营方面,持续完善综合化、多元化和国际化的经营体系,发挥海外平台境内外联动作

用,资产规模和效益持续提升,香港分行资产规模1,721.39亿港元,实现净利润10.37亿港元;民

银国际资产规模116.08亿元,实现净利润1.39亿元,同比增长2.63亿元。

    (四)资产质量基本稳定,风险抵御能力有所提升

    2017年前三季度,本集团持续加强全面风险管理体系建设,优化调整信贷资产结构,不断强

化风险排查和风险预警工作,进一步加大不良贷款清收处置和化解力度,确保资产质量保持基本

稳定。

    截至报告期末,本集团不良贷款余额470.60亿元,不良贷款率1.69%,与6月末持平;拨备覆

盖率155.27%,比6月末上升1.94个百分点;贷款拨备率2.63%,比6月末上升0.05个百分点。




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2.5 截至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)                                                                           395,946
                                   前十名股东持股情况
                                              持有有          质押或冻结情况
    股东名称                          比例    限售条
                   期末持股数量                             股份                        股东性质
    (全称)                          (%)     件股份                      数量
                                                            状态
                                                数量
香港中央结算(代   6,899,065,890      18.91          -                            -          其他
                                                            未知
理人)有限公司
安邦人寿保险股份   2,369,416,768       6.49          -                            -     境内非国
有限公司-稳健型                                             无                         有法人
投资组合
中国证券金融股份   1,820,370,063       4.99          -                            -     境内非国
                                                             无
有限公司                                                                                有法人
中国泛海控股集团   1,682,652,182       4.61          -               1,679,652,182      境内非国
                                                            质押
有限公司                                                                                有法人
安邦财产保险股份   1,665,225,632       4.56          -                            -     境内非国
有限公司-传统产                                             无                         有法人

安邦保险集团股份   1,639,344,938       4.49          -                            -     境内非国
有限公司-传统保                                             无                         有法人
险产品
新希望六和投资有   1,523,606,135       4.18          -                   87,402,000     境内非国
                                                            质押
限公司                                                                                  有法人
上海健特生命科技   1,149,732,989       3.15          -               1,149,732,989      境内非国
                                                            质押
有限公司                                                                                有法人
中国船东互保协会   1,086,917,406       2.98          -                            -     境内非国
                                                             无
                                                                                        有法人
东方集团股份有限   1,066,764,269       2.92          -               1,066,756,240      境内非国
                                                            质押
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                       股份种类及数量
                               股的数量                      种类                     数量
香港中央结算(代理人)有          6,899,065,890                                  6,899,065,890
                                                         境外上市外资股
限公司
安邦人寿保险股份有限公司           2,369,416,768                                 2,369,416,768
                                                          人民币普通股
-稳健型投资组合
中国证券金融股份有限公司           1,820,370,063          人民币普通股           1,820,370,063
中国泛海控股集团有限公司           1,682,652,182          人民币普通股           1,682,652,182
安邦财产保险股份有限公司           1,665,225,632                                 1,665,225,632
                                                          人民币普通股
-传统产品

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安邦保险集团股份有限公司               1,639,344,938                                   1,639,344,938
                                                              人民币普通股
-传统保险产品
新希望六和投资有限公司                 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
上述股东关联关系或一致行        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
动的说明                        财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。

注:

1、 H 股股东持股情况是根据 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、 香港中央结算(代理人)有限公司是以代理人身份,代表截至 2017 年 9 月 30 日止,在该公司开户登记的所有
    机构和个人投资者持有本公司 H 股股份合计数。




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
                                                                                               单位:股
优先股股东总数(户)                                                                                1
                                    前十名优先股股东持股情况
                                                                       质押或冻结情况
                                   期末持股数     比例    所持股
        股东名称(全称)                                                股份状    数量       股东性质
                                       量         (%)     份类别
                                                                        态
The Bank of New York Mellon        71,950,000       100   境外优       未知       -        外资股东
Depository(Nominees)Limited                                 先股
                              前十名无限售条件优先股股东持股情况
                                    期末持有无限售                      股份种类及数量
           股东名称                 条件优先股的数
                                                               种类                     数量
                                          量
The Bank of New York Mellon           71,950,000               其它             71,950,000
Depository(Nominees)Limited
前十名优先股股东之间,上述股东与前十         未知
名普通股股东之间存在关联关系或属于一
致行动人的说明
注:1. 优先股股东持股情况是根据本公司优先股股东名册中所列的信息统计。
    2. 由于本次优先股为境外非公开发行,优先股股东名册中所列示的为获配投资者的代持人信息。




                                                9 / 21
                                   2017 年第三季度报告




 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)
                     2017 年      2016 年       与上年末相比增
      项目                                                               主要原因
                    9 月 30 日   12 月 31 日      减幅度(%)
存放同业及其他金
                     62,000       188,414            -67.09      存放同业业务规模下降
融机构款项
衍生金融资产         16,030        7,843            104.39       衍生金融工具公允价值变动
衍生金融负债         18,358        10,277            78.63       影响
                                                                 买入返售票据及债券规模下
买入返售金融资产     46,296        90,546            -48.87
                                                                 降
长期股权投资           17            25              -32.00      子公司对外投资减少
拆入资金             190,588      100,397            89.83       同业拆入业务规模增长
                                                                 可供出售金融资产公允价值
其他综合收益          -3,346       -2,142           两期为负
                                                                 变动影响
                     2017 年      2016 年       与上年同期相比
      项目                                                               主要原因
                      1-9 月       1-9 月       增减幅度(%)
                                                                 付息负债规模的增长和同业
利息支出             107,163       78,527            36.47
                                                                 负债成本率的上升
                                                                 结算业务手续费及服务佣金
手续费及佣金支出      4,691        2,778             68.86
                                                                 增长
投资收益              2,677        6,764             -60.42
                                                                 市场汇率波动引起的贵金属
公允价值变动损失      -1,403       -2,203           两期为负
                                                                 和衍生交易公允价值变动
汇兑收益/(损失)     2,710        -1,829           上期为负
税金及附加            1,102        3,794             -70.95      “营改增”价税分离的影响
                                                                 子公司经营租赁业务成本的
其他业务成本          1,305         862              51.39
                                                                 增长
营业外支出             216          430              -49.77      捐赠支出减少



 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 报告期内超期未履行完毕的承诺事项
 □适用 √不适用




                                          10 / 21
                                 2017 年第三季度报告




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   2017 年 10 月 30 日




                                       11 / 21
                                        2017 年第三季度报告




四、 附录


4.1 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
                                       2017 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
                                            2017 年          2016 年     2017 年         2016 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                     424,566           524,239    420,663          520,471
存放同业及其他金融机构款项                   62,000          188,414      51,558         178,072
贵金属                                       18,732           22,880      18,732          22,880
拆出资金                                   160,245           182,877    160,333          184,819
以公允价值计量且其变劢
  计入当期损益癿金融资产                     75,029           89,740      69,493          86,288
衍生金融资产                                 16,030            7,843      16,024           7,759
买入返售金融资产                             46,296           90,546      39,356          90,046
应收利息                                     35,266           31,516      34,746          31,047
发放贷款和垫款                            2,707,650      2,397,192     2,692,255        2,381,879
可供出售金融资产                           341,066           307,078    338,561          303,528
持有至到期投资                             711,942           661,362    711,942          661,362
应收款项类投资                             840,379       1,148,729      833,782         1,146,340
长期应收款                                 115,947            94,791            -               -
长期股权投资                                     17              25        5,385           5,385
固定资产                                     45,748           43,273      18,869          19,250
无形资产                                      4,708            5,112       3,684           3,803
递延所得税资产                               26,387           23,366      25,450          22,402
其他资产                                     80,517           76,894      57,191          51,248

资产总计                                  5,712,525      5,895,877     5,498,024        5,716,579




                                              12 / 21
                                        2017 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)
                                       2017 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
                                            2017 年          2016 年     2017 年         2016 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                             327,669           315,438    327,000          315,000
同业及其他金融机构存放款项                1,013,494      1,307,622     1,019,945        1,313,905
拆入资金                                   190,588           100,397    187,188          100,397
以公允价值计量且其变劢
  计入当期损益癿金融负债                        670             868          670             868
向其他金融机构借款                         153,545           122,474            -               -
衍生金融负债                                 18,358           10,277      18,332          10,250
卖出回购金融资产款                         143,125           113,255    142,798          112,484
吸收存款                                  2,936,748      3,082,242     2,908,433        3,050,669
应付职工薪酬                                 10,119           10,107       9,858           9,686
应交税费                                     13,195           11,400      12,879          11,030
应付利息                                     43,035           36,494      41,834          35,654
预计负债                                        844            1,075         844           1,075
应付债券                                   445,415           398,376    444,415          398,376
其他负债                                     34,446           33,825      19,499          20,365

负债合计                                  5,331,251      5,543,850     5,133,695        5,379,759




                                              13 / 21
                                      2017 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)
                                     2017 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
                                          2017 年          2016 年      2017 年         2016 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
其他权益工具
  其中:优先股                              9,892            9,892        9,892           9,892
资本公积                                   64,744           64,744       64,447          64,447
其他综合收益                               (3,346)          (2,142)      (3,506)          (2,538)
盈余公积                                   32,805           30,052       32,805          30,052
一般风险准备                               73,079           72,929       72,091          71,982
未分配利润                               157,089           130,630     152,115          126,500

归属亍母公司股东权益合计                 370,748           342,590     364,329          336,820

少数股东权益                               10,526            9,437             -               -

股东权益合计                             381,274           352,027     364,329          336,820

负债和股东权益总计                      5,712,525      5,895,877      5,498,024        5,716,579




___________________                    ___________________
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




                                            14 / 21
                                    2017 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 2017 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
                                         2017 年          2016 年         2017 年          2016 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                            170,136           149,416        164,165          143,931
    利息支出                           (107,163)          (78,527)      (102,729)          (74,958)

    利息净收入                            62,973           70,889          61,436          68,973

    手续费及佣金收入                      40,869           42,721          39,512          41,141
    手续费及佣金支出                      (4,691)          (2,778)         (4,408)          (2,590)

    手续费及佣金净收入                    36,178           39,943          35,104          38,551

    投资收益                               2,677            6,764           2,323            6,702
    公允价值变劢损失                      (1,403)          (2,203)         (1,456)          (2,183)
    汇兑收益/(损失)                      2,710           (1,829)          2,701           (1,768)
    其他业务收入                           2,806            2,817             751            1,664

    营业收入合计                        105,941           116,381        100,859          111,939
                                     -------------   -------------    -------------   -------------
二、营业支出
    税金及附加                            (1,102)          (3,794)         (1,062)          (3,744)
    业务及管理费                         (29,964)         (31,074)        (28,880)         (29,907)
    资产减值损失                         (24,646)         (30,665)        (24,001)         (30,127)
    其他业务成本                          (1,305)            (862)             (21)            (18)

    营业支出合计                         (57,017)         (66,395)        (53,964)         (63,796)
                                     -------------   -------------    -------------   -------------

三、营业利润                              48,924           49,986          46,895          48,143
    加:营业外收入                           455             397              269             255
    减:营业外支出                          (216)            (430)           (215)            (363)

四、利润总额                              49,163           49,953          46,949          48,035
    减:所得税费用                        (8,056)         (10,064)         (7,592)          (9,464)

五、净利润                                41,107           39,889          39,357          38,571

    归属亍母公司股东癿净利润              40,243           39,163          39,357          38,571
    归属亍少数股东损益                       864             726                  -               -




                                           15 / 21
                                            2017 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 2017 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
                                                2017 年           2016 年          2017 年            2016 年
                                               未经审计        未经审计           未经审计           未经审计

六、其他综合收益                                  (1,379)          (1,005)            (968)            (1,115)

    归属亍母公司所有者癿其他综合
      收益癿税后净额                              (1,204)          (1,044)            (968)            (1,115)
      以后将重分类进损益癿
        其他综合收益
        可供出售金融资产公允价值
          变劢收益                                (1,514)          (1,119)          (1,562)            (1,085)
        现金流量套期损益癿有效部分                  664                 -                 664               -
        外币报表折算差额                            (354)             75                  (70)            (30)

    归属亍少数股东癿其他综合收益癿
      税后净额                                      (175)             39                    -               -

七、综合收益总额                                 39,728           38,884            38,389            37,456


    归属亍母公司股东癿综合收益总额               39,039           38,119            38,389            37,456
    归属亍少数股东癿综合收益总额                    689              765                    -               -


八、每股收益 (金额单位为人民币元)

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




___________________                  ___________________
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




                                                  16 / 21
                                    2017 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
                                2017 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
                                          2017 年          2016 年          2017 年          2016 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                               57,003          51,366            54,919          49,464
    利息支出                              (35,145)         (27,915)         (33,546)         (26,704)

    利息净收入                             21,858          23,451            21,373          22,760

    手续费及佣金收入                       13,494          12,934            12,909          12,301
    手续费及佣金支出                       (1,793)          (1,050)          (1,693)            (931)

    手续费及佣金净收入                     11,701          11,884            11,216          11,370

    投资收益                                    56            757                 47            706
    公允价值变劢(损失)/收益              (2,580)            985            (2,629)            994
    汇兑收益/(损失)                       3,397                (47)         3,406                (47)
    其他业务收入                              974            1,400              274            1,072

    营业收入合计                           35,406          38,430            33,687          36,855
                                      -------------   -------------     -------------   -------------
二、营业支出
    税金及附加                               (349)            (300)            (335)            (287)
    业务及管理费                          (12,403)         (13,122)         (12,034)         (12,680)
    资产减值损失                           (7,507)          (9,903)          (7,216)          (9,634)
    其他业务成本                             (425)            (301)              (12)                1

    营业支出合计                          (20,684)         (23,626)         (19,597)         (22,600)
                                      -------------   -------------     -------------   -------------

三、营业利润                               14,722          14,804            14,090          14,255
    加:营业外收入                            153             263                 28            166
    减:营业外支出                           (163)            (295)            (164)            (294)

四、利润总额                               14,712          14,772            13,954          14,127
    减:所得税费用                         (2,219)          (2,585)          (2,123)          (2,397)

五、净利润                                 12,493          12,187            11,831          11,730

    归属亍母公司股东癿净利润               12,155          11,940            11,831          11,730
    归属亍少数股东损益                        338             247                   -                -




                                          17 / 21
                                            2017 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)
                                  2017 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
                                               2017 年        2016 年            2017 年            2016 年
                                               未经审计       未经审计           未经审计           未经审计

六、其他综合收益                                   (882)               63            (598)               34

    归属亍母公司所有者癿其他综合
      收益癿税后净额                               (742)               49            (598)               34
      以后将重分类进损益癿
        其他综合收益
        可供出售金融资产公允价值
          变劢收益                                 (516)               31            (535)               31
        现金流量套期损益癿有效部分                  (51)                -                (51)              -
        外币报表折算差额                           (175)               18                (12)             3

    归属亍少数股东癿其他综合收益癿
      税后净额                                     (140)               14                  -               -

七、综合收益总额                                 11,611           12,250           11,233            11,764


    归属亍母公司股东癿综合收益总额               11,413           11,989           11,233            11,764
    归属亍少数股东癿综合收益总额                    198             261                    -               -


八、每股收益 (金额单位为人民币元)

    基本每股收益                                   0.33             0.32
    稀释每股收益                                   0.33             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




                                                  18 / 21
                                      2017 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 2017 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
                                          2017 年           2016 年         2017 年            2016 年
                                         未经审计        未经审计          未经审计           未经审计

一、经营活劢产生癿现金流量

    吸收存款和同业及其他金融机构
      存放款项净增加额                             -        505,006                  -         499,926
    存放中央银行和同业及其他金融
      机构款项净减少额                    148,413                   -       146,630                      -
    收取利息、手续费及佣金癿现金          156,271           155,290         149,634            148,827
    向中央银行借款净增加额                 12,231           157,962          12,000            158,000
    拆出资金净减少额                       26,489            70,135          27,892              71,331
    拆入资金净增加额                       90,191            58,541          86,791              58,341
    买入返售金融资产净减少额               44,123           506,383          50,563            509,383
    卖出回购金融资产款净增加额             29,869           101,050          30,313            101,918
    收到其他与经营活劢有关癿现金           58,508            25,700          28,614               4,090

    经营活劢现金流入小计                  566,095       1,580,067           532,437          1,551,816
                                        -------------   -------------     -------------      -------------
    发放贷款和垫款净增加额               (335,604)       (421,608)         (335,309)          (421,363)
    吸收存款和同业及其他金融机构
      存放款项净减少额                   (439,622)                  -      (436,196)                     -
    存放中央银行和同业及其他金融
      机构款项净增加额                             -     (136,361)                   -        (142,073)
    支付利息、手续费及佣金癿现金           (90,291)         (72,610)         (85,932)           (68,975)
    支付给职工以及为职工支付癿现金         (16,337)         (15,777)         (15,444)           (14,985)
    支付癿各项税费                         (16,789)         (20,436)         (16,193)           (19,503)
    支付其他与经营活劢有关癿现金           (35,204)         (57,746)         (21,029)           (45,354)

    经营活劢现金流出小计                 (933,847)       (724,538)         (910,103)          (712,253)
                                        -------------   -------------     -------------      -------------

    经营活劢产生癿现金流量净额           (367,752)          855,529        (377,666)           839,563




                                             19 / 21
                                      2017 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 2017 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
                                           2017 年          2016 年           2017 年           2016 年
                                         未经审计         未经审计          未经审计           未经审计
二、投资活劢产生癿现金流量

    收回投资收到癿现金                  2,173,069        1,013,948         2,161,522          1,013,356
    取得投资收益收到癿现金                  63,560           29,296            63,095             29,191
    取得子公司及其他营业单位
      收到癿现金净额                            330                  -                 -                  -
    处置固定资产、无形资产和其他
      长期资产收到癿现金                     1,064            1,455                 16                 18

    投资活劢现金流入小计                2,238,023        1,044,699         2,224,633          1,042,565
                                        -------------    -------------     -------------      -------------
    投资支付癿现金                     (1,956,303)      (2,124,502)       (1,941,151)      (2,120,789)
    取得或增资子公司及其他营业单位
      支付癿现金净额                                -            (14)                  -              (21)
    购建固定资产、无形资产和其他
      长期资产支付癿现金                    (8,092)          (4,650)           (1,435)            (1,720)

    投资活劢现金流出小计               (1,964,395)      (2,129,166)       (1,942,586)      (2,122,530)
                                        -------------    -------------     -------------    -------------

    投资活劢产生癿现金流量净额            273,628       (1,084,467)          282,047       (1,079,965)
                                        -------------    -------------     -------------    -------------
三、筹资活劢产生癿现金流量


    吸收投资收到癿现金                              -             20                   -                  -
      其中:子公司吸收少数股东投资
              收到癿现金                            -             20                   -                  -
    发行债券收到癿现金                    580,665           440,497          579,665            440,497

    筹资活劢现金流入小计                  580,665          440,517           579,665            440,497
                                        -------------    -------------     -------------      -------------
    偿还债务支付癿现金                   (542,791)        (208,764)         (542,791)          (208,764)
    分配股利、利润或偿付应付债券
      利息支付癿现金                       (15,588)         (17,588)          (15,573)           (17,450)

    筹资活劢现金流出小计                 (558,379)        (226,352)         (558,364)          (226,214)
                                        -------------    -------------     -------------      -------------

    筹资活劢产生癿现金流量净额              22,286          214,165            21,301           214,283
                                       -------------    -------------     -------------    -------------
                                             20 / 21
                                          2017 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 2017 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
                                              2017 年          2016 年            2017 年             2016 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癿
      影响                                      (1,963)           1,582             (1,952)               1,564
                                            -------------   -------------       -------------       -------------

五、现金及现金等价物变劢净额                   (73,801)        (13,191)           (76,270)            (24,555)


    加:期初现金及现金等价物余额              171,303          126,460            162,462             122,962

六、期末现金及现金等价物余额                   97,502          113,269             86,192              98,407




___________________                ___________________
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




4.2 审计报告
□适用 √不适用

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