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浦发银行(600000)公告正文

上海浦东发展银行股份有限公司2003年第一季度报告

公告日期 2003-04-29
股票简称:浦发银行 股票代码:600000
               上海浦东发展银行股份有限公司2003年第一季度报告

    §1 重要提示
  本公司董事会及其董事保证本报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性负个别及连带责任。
    本公司董事×××、×××因公务未亲自出席会议,均书面委托其他董事代行表决权。
    本公司第一季度财务报告未经审计。
    本公司董事长张广生、行长金运、财务总监黄建平及财务机构负责人傅能,保证年度报告中财务报告的真实、完整。
    §2 公司基本情况
    2.1 公司基本信息
股票简称                浦发银行              变更前简称(如有)
股票代码                         600000
                             董事会秘书                 证券事务代表
姓名                               沈思                   杨国平
联系地址           上海市中山东一路12号     上海市中山东一路12号
电话                       021-63611226             021-63611226
传真                       021-63230807             021-63230807
电子邮箱                shens2@spdb.com.cn       yanggp@spdb.com.cn

股票简称                                                    (无)
股票代码
姓名                                                        王景斌
联系地址                                      上海市中山东一路12号
电话                                                  021-63611226
传真                                                  021-63230807
电子邮箱                                           wangjb@spdb.com.cn
    2.2 财务资料
    2.2.1 主要会计数据及财务指标
                                 本报告期末            上年度期末
总资产(千元)                    279,616,139           279,300,719
股东权益(不含少数股东
权益)(千元)                      10,760,460             7,960,476
每股净资产(元)                            2.749                 2.202
调整后的每股净资产(元)                    2.749                 2.202
                                     报告期      年初至报告期期末

经营活动产生的现金流量
净额(千元)                          530,852               530,852
每股收益(元)                              0.08                  0.08
净资产收益率                              2.93%                 2.93%
扣除非经常性损益后的净
资产收益率                                2.94%                 2.94%
非经常性损益项目                                          金额(千元)
营业外收入                                                       243
营业外支出                                                     -1445
合计                                                           -1202

                                          本报告期末比上年度期末
                                                    增减(%)
总资产(千元)                                                   0.11
股东权益(不含少数股东
权益)(千元)                                                   35.17
每股净资产(元)                                                24.84
调整后的每股净资产(元)                                        24.84
                                          本报告期比上年同期增减
                                                       (%)
经营活动产生的现金流量
净额(千元)                                                    17.92
每股收益(元)                                                -27%(注1)
净资产收益率                                                -22%(注2)
扣除非经常性损益后的净
资产收益率                                                  -22%(注3)
非经常性损益项目
营业外收入
营业外支出
合计
    注1:本报告期与上年同期下降的主要原因是:公司于2002 年8 月实施了2001 年度利润分配方案“每10股转增5 股”和2003 年1 月实施了增发3 亿股A 股的增发方案,总股本由去年同期24.1 亿股扩张到报告期末的39.15 亿股。
    注2、3:本报告期与上年同期下降的主要原因是2003 年1 月实施了增发3 亿股A 股的增发方案。
    2.2.2 利润表
                                                            单位:千元
项目                             2003年1月--3月        2002年1月--3月
一、营业收入                          2,732,652             1,822,408
利息收入及金融机构往来收入            2,358,533             1,521,821
投资收益                                297,212               269,496
其他营业收入                             76,907                31,091
二、营业支出                          2,194,314             1,378,526
利息支出及金融机构往来支出            1,047,030               731,636
营业费用                                549,871               442,250
其他营业支出                            597,413               204,640
三、营业税金及附加                      119,544                89,647
四、营业利润                            418,794               354,235
加:营业外收支净额                       -1,202                  -510
五、利润总额                            417,592               353,725
减:所得税                              101,967                87,978
六、净利润                              315,625               265,746
    2.3报告期末股东总人数262284 户。
    报告期内,公司实施增发3 亿A股流通股,股本变动情况如下:
                                                           单位:千股
本次变动前                          本次变动增减(+、--)
                                    配股        送股  公积金转股
一、未上市流通股份
1、发起人股份                  1,183,500
其中:
国家持有股份
境内法人持有股份               1,183,500
境外法人持有股份
其他
2、募集法人股份                1,831,500
其中:
国家持有股份                     388,110
境内法人股份                   1,443,390
3、内部职工股
4、优先股或其他                        -
其中:基金配售                         -
未上市流通股份合计             3,015,000
二、已上市流通股份                     -
1、人民币普通股                  600,000
2、境内上市外资股                      -
3、境外上市外资股                      -
4、其他                                -
已上市流通股份合计               600,000
三、股份总数                   3,615,000

本次变动前                                            本次变动后
                                    增发  其他  小计
一、未上市流通股份
1、发起人股份                                               1,183,500
其中:
国家持有股份
境内法人持有股份                                            1,183,500
境外法人持有股份
其他
2、募集法人股份                                             1,183,500
其中:
国家持有股份                                                  388,110
境内法人股份                                                1,443,390
3、内部职工股
4、优先股或其他
其中:基金配售
未上市流通股份合计                                          3,015,000
二、已上市流通股份
1、人民币普通股                     300,000     300,000       900,000
2、境内上市外资股
3、境外上市外资股
4、其他
已上市流通股份合计                                            900,000
三、股份总数                                    300,000     3,915,000
    §3 银行业务数据
    3.1 截止报告期末公司前三年补充财务数据:
                                                     单位:人民币千元
项目                            2003年3月31日          2002年12月31日
总负债                            268,855,678             271,340,243
存款总额                          241,237,703             243,913,237
其中:长期存款                     86,240,361              85,065,572
同业拆入总额                        3,115,092               4,870,264
贷款总额                          191,208,901             174,377,477
其中:短期贷款                    116,505,769             107,986,036
进出口押汇                          1,043,534                 756,392
贴现                               35,230,935              31,715,814
中长期贷款                         32,286,903              27,860,111
逾期贷款                              629,011                 504,650
呆滞贷款                            5,056,789               5,120,518
呆帐贷款                              245,817                 260,510
    注:有关指标计算公式如下:
    (1)存款总额包括短期存款、短期储蓄存款、应解汇款及临时存款、长期存款、长期储蓄存款、存入长期保证金、委托资金;
    (2)长期存款及同业拆入总额包括长期存款、长期储蓄存款、存入长期保证金、同业拆入;
    (3)贷款总额包括短期贷款、进出口押汇、贴现、中长期贷款、逾期贷款、呆滞贷款和呆帐贷款、透支及垫款。
    3.2 截止报告期末公司补充财务指标:
项目                                 标准值            2003年3月31日
                                                     期末        平均
资本充足率%                          ≥8            10.56        9.55
流动性比率%                 人民币   ≥25           39.49       39.42
                              外币   ≥60           82.61       86.43
存贷比%                     人民币   ≤75           64.52       61.74
                              外币   ≤85           61.52       56.60
中长期贷款比例%             人民币   ≤120          99.40       86.76
                              外币   ≤60           17.77       16.85
拆借资金比例%           拆入资金比   ≤4             0.45        0.23
                        拆出资金比   ≤8             1.89        1.77
国际商业借款比例%                    ≤100           0.46        0.23
不良贷款比例%                        ≤ 15           3.29        3.34
利息回收率                           -              96.90       96.93
单一最大客户贷款比例                 ≤10            5.88        6.62
最大十家客户贷款比例                 ≤50           38.75       41.00

项目                                                   2002年12月31日
                                                      期末       平均
资本充足率%                                            8.54      9.20
流动性比率%                                           39.34     41.42
                                                      90.24     91.65
存贷比%                                               58.95     65.41
                                                      51.67     43.49
中长期贷款比例%                                       74.11     83.28
                                                      15.93     17.58
拆借资金比例%                                          -         0.51
                                                       1.65      1.47
国际商业借款比例%                                      -         -
不良贷款比例%                                          3.38      5.53
利息回收率                                            96.96     95.3
单一最大客户贷款比例                                   7.36      8.19
最大十家客户贷款比例                                  43.25     53.68
    3.3 信贷资产“五级”分类及各级呆帐准备金的计提比例情况。
                                                      单位:人民币万元
五级分类            金额     占比%       准备金计     计提的损失准备
                                          提比例%
正常类        17,599,954         92.05           1            176,000
关注类           782,633          4.09           2             12,057
次级类           211,742          1.11          35             57,085
可疑类           500,013          2.62          70            269,583
损失类            26,547          0.14         100             26,547
合计          19,120,890    541,272
    注:根据各类信贷资产的金额,扣除抵押品、有效担保金额后,按上述标准公司报告期末计提各类贷款呆帐准备金余额为54.13 亿元。
    3.4 应收利息与其他应收款损失提取情况。
                                                     单位:人民币千元
项目                   金额           损失准备金          计提方法
应收利息              180,99               -                     -
其他应收款         2,119,415             126,313        个别认定法
    §4管理层讨论与分析
    4.1 公司报告期内经营活动总体状况的简要分析
    公司认真贯彻落实董事会制定的《五年发展规划》和年初确定的各项业务发展目标,在经营班子的具体组织下,坚持以“加快转型、率先接轨、快速发展”为指导,解放思想、抓住机遇、团结一致、积极进取,截至3 月31 日,公司主要经营和管理情况如下:
    ——总资产规模达到2796.16 亿元,比年初增加了3.15 亿元,增幅为0.11 %。本外币贷款余额1912.09 亿元,比年初增加了168.32 亿元,增长9.65 %。
    ——各项存款余额为2412.38 亿元,比年初减少26.75 亿元,减幅为1.1 %。其中,本外币储蓄存款余额245.98 亿元, 比年初增长15.64 亿元,增幅为6.79 %。
    ——股东权益107.60 亿元,每股净资产2.749 元,每股收益0.081 元。
    ——按照“五级”分类,后三类贷款比例为3.87%,比上报告期下降0.56 个百分点。
    ——在中国人民银行的大力支持下,公司在调整优化现有网点的基础上,又增设了青岛分行等一批新的营业网点,全行的分支机构已由上报告期的20 家直属分支行、284 个营业网点,发展到报告期末的21 家直属分支行、289 个营业网点。
    4.2占主营收入或主营业务利润总额10%以上的主营行业或产品情况
                                                     单位:人民币千元
业务产品        主营业务收入      主营业务成本          毛利率(%)
存贷款业务         2,102,966           863,619              48.78%
    主营业务收入及利润分地区情况
                                                     单位:人民币千元
地区                           主营业务收入                  主营利润
上海地区                            708,619                   209,526
北京地区                            280,575                    90,514
江苏地区                            299,548                   102,465
浙江地区                            507,531                   214,258
广东地区                            335,604                   115,273
境内其他地区                        583,172                   257,581
境外离岸                              2,298                     1,135
合计                              2,717,347                   990,752
    4.3公司经营的季节性或周期性特征
    □适用□√不适用
    4.4报告期利润构成情况
                                                     单位:人民币千元
                      2003年1-3                       2002年1-3
                           金额        占比           金额   占比
营业利润              1,006,057         240.92%    553,851    156.58%
其中:投资收益          297,212          71.17%    269,496     76.19%
营业外收支净额           -1,202          -0.29%       -510     -0.14%
利润总额                417,592         100.00%    353,725    100.00%
    4.5主营业务收入及其结构变动情况
                                                     单位:人民币千元
业务种类                   2003年1-3        2002年1-3           增减
贷款                       2,102,966        1,349,907          55.79%
拆借、存放等同业业务         255,567          171,914          48.66%
债券投资                     281,906          254,189          10.90%
其他业务                      76,908           31,091         147.36%
合计                       2,717,347        1,807,101          50.37%
    4.6 主营业务盈利能力变动情况
                                                     单位:人民币千元
业务盈利能力      2003年1-3           2002年1-3             增减
营业利润          1,006,057             553,851               81.65%
营业收入          2,717,347           1,807,101               50.37%
毛利率                   37.02%              30.65%           20.80%
    4.7重大事项及其影响和解决方案的分析说明
    1、公司引进花旗银行作为战略投资者的工作,在2002 年12 月30 日获得了国务院和中国人民银行的正式批准。根据董事会的决议,公司于2002 年12 月31 日与花旗银行海外投资公司、花旗国际有限公司正式签署一系列有关战略合作、信用卡合作等协议,公司已于2003年1 月2 日在《中国证券报》、《上海证券报》及《证券时报》上进行了披露。
    2、2002 年12 月27 日,中国证监会以证监发行字[2002]135 号《关于核准上海浦东发展银行股份有限公司增发股票的通知》同意我公司增发不超过3 亿A 股。公司于2002 年12月28 日在《中国证券报》、《上海证券报》、《证券时报》刊登了增发不超过30000 万股A股的招股意向书,2003 年1 月8 日完成增发股份的申购,2003 年1 月20 日,增发股份上市交易,至此有关增发事项全部完成。
    4.8会计政策、会计估计、合并范围变化以及重大会计差错的情况及原因说明
    □适用□√不适用
    4.9经审计且被出具“非标意见”情况下董事会和监事会出具的相关说明
    □适用□√不适用
    4.10预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生大幅度变动的警示及原因说明
    □适用□√不适用
    4.11公司对已披露的年度经营计划或预算的滚动调整情况
    □适用□√不适用
    董事长签名: 张广生
    上海浦东发展银行股份有限公司董事会
    二○○三年四月二十六日
    2003 年4 月21 日草稿7
    资产负债表(未经审计)
                                             单位:人民币元
资产                                    行次            2003年3月31日
流动资产:                                                           -
现金及银行存款                             1           985,481,370.34
贵金属                                     2             1,632,660.82
存放中央银行款项                           3        19,356,792,712.83
存放同业款项                               4         5,848,736,991.83
存放联行款项                               5                     0.00
存放系统内款项                             6                        -
拆放同业                                   7         7,685,976,201.19
拆放金融性公司                             8         1,256,650,000.00
短期贷款                                   9       116,505,768,893.35
进出口押汇                                10         1,043,533,856.59
议付信用证款项                            11                        -
应收利息                                  12            18,098,579.83
其他应收款                                13         2,119,415,058.10
减:坏帐准备                               14          -126,317,448.93
应收款项净额                              15         2,011,196,189.00
贴现                                      16        35,230,934,556.95
短期投资                                  17        10,419,131,029.21
委托贷款及委托投资                        18                        -
买入返售证券                              19         7,720,000,000.00
待摊费用                                  20                        -
一年内到期的长期债券投资                  21         4,371,387,610.80
一年内到期的其他长期投资                  22                        -
其他流动资产                              23           210,142,247.87
流动资产合计                              24       212,647,364,320.77
                                                                    -
长期资产:                                                           -
中长期贷款                                25        32,286,903,245.74
逾期贷款                                  26           629,011,316.15
呆滞贷款                                  27         5,056,789,346.83
呆帐贷款                                  28           245,817,060.85
减:贷款呆帐准备                           29        -5,412,723,705.65
长期债券投资                              30        27,686,738,415.59
长期股权投资                              31           455,870,173.15
减:长期投资减值准备                      32            -4,558,911.74
长期投资净额                              33        28,138,049,677.00
固定资产原价                              34         5,342,985,221.18
减:累计折旧                               35        -1,479,618,884.55
固定资产净值                              36         3,863,366,336.63
在建工程                                  37           316,222,103.87
固定资产清理                              38             5,756,421.16
长期资产合计                              39        65,129,191,802.58
                                                                    -
无形、递延及其他资产:                                              -
无形资产                                  40           203,024,103.85
长期待摊费用                              41            28,676,146.26
待处理抵债资产                            42           166,905,421.57
其他长期资产                              43           163,804,444.44
无形资产及其他资产合计                    44           562,410,116.12
                                                                    -
递延税项:                                                          -
递延税款借项                              45         1,277,172,346.81
资产总计                                  60       279,616,138,586.28

资产                                                   2002年12月31日
流动资产:                                                           -
现金及银行存款                                       1,062,871,111.70
贵金属                                                   1,632,660.82
存放中央银行款项                                    33,128,727,135.82
存放同业款项                                         2,968,051,363.22
存放联行款项                                                     0.00
存放系统内款项                                                      -
拆放同业                                            21,491,230,562.90
拆放金融性公司                                         911,300,000.00
短期贷款                                           107,986,036,373.13
进出口押汇                                             756,391,654.24
议付信用证款项                                                      -
应收利息                                                 5,754,013.35
其他应收款                                           2,025,917,197.70
减:坏帐准备                                           -126,317,448.93
应收款项净额                                         1,905,353,762.12
贴现                                                31,715,814,117.54
短期投资                                             9,299,759,695.93
委托贷款及委托投资                                                  -
买入返售证券                                         1,690,000,000.00
待摊费用                                                            -
一年内到期的长期债券投资                             3,961,066,436.65
一年内到期的其他长期投资                                            -
其他流动资产                                           173,445,670.65
流动资产合计                                       217,051,680,544.71
                                                                    -
长期资产:                                                           -
中长期贷款                                          27,860,111,042.79
逾期贷款                                               504,650,123.37
呆滞贷款                                             5,141,095,857.07
呆帐贷款                                               239,932,233.69
减:贷款呆帐准备                                     -4,945,005,373.88
长期债券投资                                        27,021,336,654.30
长期股权投资                                           455,870,173.15
减:长期投资减值准备                                    -4,558,911.73
长期投资净额                                        27,472,647,915.72
固定资产原价                                         5,266,225,954.67
减:累计折旧                                         -1,363,011,045.29
固定资产净值                                         3,903,214,909.38
在建工程                                               255,265,579.22
固定资产清理                                               -77,519.43
长期资产合计                                        60,431,834,767.93
                                                                    -
无形、递延及其他资产:                                              -
无形资产                                               210,357,882.21
长期待摊费用                                            10,002,685.60
待处理抵债资产                                         167,080,421.57
其他长期资产                                           165,078,041.98
无形资产及其他资产合计                                 552,519,031.36
                                                                    -
递延税项:                                                          -
递延税款借项                                         1,264,684,988.40
资产总计                                           279,300,719,332.41

负债及所有者权益                        行次            2003年3月31日
流动负债:                                                       -
短期存款                                  61       108,982,930,115.27
短期储蓄存款                              62         8,398,936,966.12
财政性存款                                63            66,974,319.93
向中央银行借款                            64            40,000,000.00
同业存放款项                              65        14,402,871,917.39
联行存放款项                              66                     -
系统内存款                                67                     -
同业拆入                                  68         3,115,092,309.54
卖出回购证券款                            69         2,565,000,000.00
汇出汇款                                  70         1,246,518,928.77
应解汇款及临时存款                        71         1,479,772,380.72
委托资金                                  72           101,065,005.19
存入短期保证金                            73        35,967,662,991.98
应付利息                                  74         1,207,375,813.54
应付工资                                  75            74,163,525.57
应付福利费                                76            56,160,720.34
应交税金                                  77           730,605,748.36
应付利润                                  78           406,190,028.96
其他应付款                                79         3,317,239,608.61
预提费用                                  80               275,956.00
递延收益                                  81                     -
发行短期债券                              82                     -
一年内到期的长期负债                      83                     -
其他流动负债                              89           223,050,120.23
流动负债合计                              90       182,381,886,456.53
长期负债:                                                       -
长期存款                                  91        68,316,063,333.64
长期储蓄存款                              92        16,198,965,341.23
存入长期保证金                            93         1,725,332,282.06
转贷款资金                                94                     -
发行长期债券                              95                     -
长期应付款                                96                     -
其他长期负债                              99           233,431,065.22
长期负债合计                              100       86,473,792,022.15
                                                                 -
递延税项:                                                        -
递延税款贷项                             101                     -
负债合计                                 105       268,855,678,478.68
                                                                 -
所有者权益:                                                     -
股本                                     107         3,915,000,000.00
资本公积                                 108         4,869,395,544.72
盈余公积                                 109         1,122,774,797.72
其中:公益金                             110                     -
一般准备                                               500,000,000.00
未分配利润                               111           353,289,765.17
股东权益合计                             112        10,760,460,107.61
减:待处理财产净损失                     113                     -
股东权益净额                             115        10,760,460,107.61
                                                                 -
负债及股东权益总计                       121       279,616,138,586.28

负债及所有者权益                                2002年12月31日
流动负债:                                                         -
短期存款                                          116,082,716,670.09
短期储蓄存款                                        8,345,426,743.10
财政性存款                                             45,290,690.89
向中央银行借款                                                    -
同业存放款项                                       15,241,409,074.52
联行存放款项                                                      -
系统内存款                                                        -
同业拆入                                            4,870,264,072.04
卖出回购证券款                                        100,000,000.00
汇出汇款                                            1,635,395,484.82
应解汇款及临时存款                                  1,650,979,115.64
委托资金                                               74,983,093.33
存入短期保证金                                     32,648,269,166.02
应付利息                                            1,002,181,506.25
应付工资                                                8,654,629.77
应付福利费                                             56,419,645.98
应交税金                                              648,426,241.48
应付利润                                              407,270,028.96
其他应付款                                          3,031,912,250.24
预提费用                                                           -
递延收益                                                           -
发行短期债券                                                       -
一年内到期的长期负债                                               -
其他流动负债                                          287,408,845.45
流动负债合计                                      186,137,007,258.58
长期负债:                                                         -
长期存款                                           68,683,135,340.71
长期储蓄存款                                       14,688,166,796.46
存入长期保证金                                      1,694,269,612.04
转贷款资金                                                         -
发行长期债券                                                      -
长期应付款                                                        -
其他长期负债                                          137,663,861.22
长期负债合计                                       85,203,235,610.43
                                                                  -
递延税项:                                                         -
递延税款贷项                                                      -
负债合计                                          271,340,242,869.01
                                                                  -
所有者权益:                                                      -
股本                                                3,615,000,000.00
资本公积                                            2,685,037,296.31
盈余公积                                            1,122,774,797.72
其中:公益金                                                      -
一般准备                                              500,000,000.00
未分配利润                                             37,664,369.37
股东权益合计                                        7,960,476,463.40
减:待处理财产净损失                                              -
股东权益净额                                        7,960,476,463.40
                                                                  -
负债及股东权益总计                                279,300,719,332.41
    法定代表人:      行长:      财务总监:    制表人:
    利润及利润分配表(未经审计)
                                          单位:人民币元
项目                               行次            2003年一季度
一、营业收入                        1                2,435,440,355.52
利息收入                            2                2,102,966,024.12
金融机构往来收入                    3                  255,567,425.19
中间业务收入                        4                   44,378,593.54
汇兑收益                            5                    9,377,525.57
其他业务收入                        6                   23,150,787.10
二、营业成本                        7                1,058,898,508.87
利息支出                            8                  863,618,635.17
金融机构往来支出                    9                  183,411,040.82
手续费支出                          10                  11,865,272.30
汇兑损失                            11                       3,560.58
四、营业费用                        12                 667,696,967.39
业务及管理费                        13                 587,454,452.60
折旧费                              14                  80,242,514.79
其他营业支出                        15
五、投资净收益                      16                 297,211,990.89
六、营业利润                        17               1,006,056,870.15
减:营业税金及附加                  18                 119,544,486.54
加:营业外收入                      19                     242,960.74
减:营业外支出                      20                   1,444,663.60
七、计提资产损失准备前利润总额      21                 885,310,680.75
减:资产损失准备                    22                 467,718,331.77
八、计提资产损失准备后利润总额      23                 417,592,348.98
减:所得税                          24                 101,966,953.18
九、净利润                          25                 315,625,395.80

项目                                                   2002年一季度
一、营业收入                                         1,552,911,710.52
利息收入                                             1,349,907,398.05
金融机构往来收入                                       171,913,745.04
中间业务收入                                            24,141,998.02
汇兑收益                                                   243,753.63
其他业务收入                                             6,704,815.78
二、营业成本                                           741,790,432.69
利息支出                                               647,651,163.55
金融机构往来支出                                        83,984,629.47
手续费支出                                              10,147,547.66
汇兑损失                                                     7,092.01
四、营业费用                                           526,766,256.38
业务及管理费                                           456,182,173.14
折旧费                                                  70,584,083.24
其他营业支出
五、投资净收益                                         269,495,532.41
六、营业利润                                           553,850,553.86
减:营业税金及附加                                      89,646,788.19
加:营业外收入                                             204,733.20
减:营业外支出                                             714,928.06
七、计提资产损失准备前利润总额                         463,693,570.81
减:资产损失准备                                       109,968,962.39
八、计提资产损失准备后利润总额                         353,724,608.42
减:所得税                                              87,978,156.32
九、净利润                                             265,746,452.10
    法定代表人:      行长:       财务总监:      制表人:
    现金流量表(未经审计)
                                                   单位:人民币元
项目                                                             行次
一.营业活动产生的现金流量
因经营活动而产生的现金流量                                        1
收到的贷款利息                                                    2
金融企业往来收入收到的现金                                        3
中间业务收入收到的现金                                            4
经营性债券投资收益收到的现金                                      5
汇兑净收益收到的现金                                              6
现金流入小计                                                      7
支付的存款利息                                                    8
金融企业往来支出支付的现金                                        9
手续费支出支付的现金                                             10
支付给职工以及为职工支付的现金                                   11
其他营业费用支付的现金                                           12
支付的所得税、营业税金及附加款                                   13
现金流出小计                                                     14
因经营活动而产生的现金流量净额                                   15
经营性资产的减少(增加)                                         16
缴存中央银行准备金                                               17
拆放同业及金融性公司                                             18
贷款                                                             19
贴现                                                             20
已核销呆帐贷款及利息收回                                         21
经营性债券投资                                                   22
买入返售证券                                                     23
其他资产                                                         24
经营性资产的减少(增加)小计                                     25
经营性负债的增加(减少)                                         26
向央行借款                                                       27
同业间存放                                                       28
同业及金融性公司拆入                                             29
卖出回购证券                                                     30
存款                                                             31
保证金                                                           32
委托存款                                                         33
其他负债                                                         34
经营性负债的增加(减少)小计                                     35
其他与经营活动有关的现金                                         36
流动资金变动产生的现金流量净额                                   37
营业活动产生的现金流量净额                                       38
二.投资活动产生的现金流量
收回投资所收到的现金                                             39
投资性债券投资收益收到的现金                                     40
投资性债券投资减少收回的现金                                     41
分得股利或利润所收到的现金                                       42
处置固定资产、无形资产而收到的现金                               43
现金流入小计                                                     44
投资性债券投资增加流出的现金                                     45
购建固定资产、无形资产所支付的现金                               46
权益性投资支付的现金                                             47
现金流出小计                                                     48
投资活动产生的现金流量净额                                       49
三.融资活动产生的现金流量
发行股票所收到的现金                                             50
发行债券所收到的现金                                             51
现金流入小计                                                     52
收回发行债券所支付的现金                                         53
偿付利息所支付的现金                                             54
分配股利或利润所支付的现金                                       55
现金流出小计                                                     56
融资活动产生的现金流量净额                                       57
四.汇率变动对现金的影响额                                       58
五.本期现金及现金等价物净增加额                                 59
补充资料
1.不涉及现金流量的投资和融资活动                               60
以固定资产偿还债务                                               61
以投资偿还债务                                                   62
以固定资产进行投资                                               63
不涉及现金流量的投资和融资活动金额                               64
2.将净利润调整为因经营活动而产生的现金流量                     65
净利润                                                           66
加:计提的坏帐准备                                               67
计提的贷款呆帐准备                                               68
计提的长期投资减值准备                                           69
计提的抵债资产减值准备                                           70
固定资产折旧                                                     71
无形资产、递延资产及其他资产摊销                                 74
处置固定资产、无形资产和其他长期资产的损失(减收益)               75
(减:收益)
投资损失(减:收益)                                             76
经营性应付项目的增加(减:减少)                                 77
经营性应收项目的减少(减:增加)
                                                                 78

其他                                                             79
因经营活动而产生的现金流量净额
                                                                 80
3.现金及现金等价物净增加情况:                                 81
现金及现金等价物的期末余额                                       82
减:现金及现金等价物的期初余额                                   83
现金及现金等价物净增加额                                         84

项目                                                 2003年第一季度
一.营业活动产生的现金流量
因经营活动而产生的现金流量
收到的贷款利息                                       2,090,621,457.64
金融企业往来收入收到的现金                             255,567,425.19
中间业务收入收到的现金                                  66,028,865.14
经营性债券投资收益收到的现金                            39,697,401.53
汇兑净收益收到的现金                                       890,306.76
现金流入小计                                         2,452,805,456.26
支付的存款利息                                         658,424,327.88
金融企业往来支出支付的现金                             183,411,040.82
手续费支出支付的现金                                    11,865,272.30
支付给职工以及为职工支付的现金                         606,299,661.78
其他营业费用支付的现金                                 252,885,287.14
支付的所得税、营业税金及附加款                         209,068,074.93
现金流出小计                                         1,921,953,664.85
因经营活动而产生的现金流量净额                         530,851,791.41
经营性资产的减少(增加)
缴存中央银行准备金                                  10,728,579,420.47
拆放同业及金融性公司                                 6,882,375,767.57
贷款                                               -13,394,724,695.53
贴现                                                -3,515,120,439.41
已核销呆帐贷款及利息收回                                 2,495,000.00
经营性债券投资                                      -1,119,371,333.28
买入返售证券                                        -6,030,000,000.00
其他资产                                                 1,448,597.54
经营性资产的减少(增加)小计                        -6,444,317,682.63
经营性负债的增加(减少)
向央行借款                                              40,000,000.00
同业间存放                                            -838,537,157.13
同业及金融性公司拆入                                -1,755,171,762.50
卖出回购证券                                         2,465,000,000.00
存款                                                -6,052,072,899.98
保证金                                               3,350,456,495.98
委托存款                                                26,081,911.86
其他负债                                                31,408,478.78
经营性负债的增加(减少)小计                        -2,732,834,932.98
其他与经营活动有关的现金                              -129,325,776.88
流动资金变动产生的现金流量净额                      -9,306,478,392.50
营业活动产生的现金流量净额                          -8,775,626,601.09
二.投资活动产生的现金流量
收回投资所收到的现金                                                -
投资性债券投资收益收到的现金                            22,145,376.42
投资性债券投资减少收回的现金                            64,706,641.64
分得股利或利润所收到的现金                              15,305,007.32
处置固定资产、无形资产而收到的现金                          31,710.23
现金流入小计                                           102,188,735.61
投资性债券投资增加流出的现金                           491,665,857.12
购建固定资产、无形资产所支付的现金                     135,762,235.22
权益性投资支付的现金                                                -
现金流出小计                                           627,428,092.34
投资活动产生的现金流量净额                            -525,239,356.73
三.融资活动产生的现金流量                                          -
发行股票所收到的现金                                 2,483,278,248.41
发行债券所收到的现金                                                -
现金流入小计                                         2,483,278,248.41
收回发行债券所支付的现金                                            -
偿付利息所支付的现金                                                -
分配股利或利润所支付的现金                                          -
现金流出小计                                                        -
融资活动产生的现金流量净额                           2,483,278,248.41
四.汇率变动对现金的影响额                                          -
五.本期现金及现金等价物净增加额                    -6,817,587,709.41
补充资料
1.不涉及现金流量的投资和融资活动
以固定资产偿还债务
以投资偿还债务
以固定资产进行投资
不涉及现金流量的投资和融资活动金额
2.将净利润调整为因经营活动而产生的现金流量
净利润                                                 315,625,395.80
加:计提的坏帐准备                                                  -
计提的贷款呆帐准备                                     455,278,994.84
计提的长期投资减值准备                                              -
计提的抵债资产减值准备                                              -
固定资产折旧                                            80,242,514.79
无形资产、递延资产及其他资产摊销                        37,313,633.28
处置固定资产、无形资产和其他长期资产的损失(减收益)       1,201,702.86
(减:收益)
投资损失(减:收益)                                  -259,015,104.88
经营性应付项目的增加(减:减少)                    -1,855,173,524.80
经营性应收项目的减少(减:增加)                     1,755,378,179.52
                                                     1,755,378,179.52
其他
因经营活动而产生的现金流量净额                         530,851,791.41
                                                       530,851,791.41
3.现金及现金等价物净增加情况:
现金及现金等价物的期末余额                          29,604,920,982.61
减:现金及现金等价物的期初余额                      36,422,508,692.02
现金及现金等价物净增加额                            -6,817,587,709.41
    法定代表人:       行长:        财务负责人:        制表人:
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