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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年第三季度报告

公告日期 2003-10-29
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年第三季度报告
     
   §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。
    本公司第三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,保证本季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) (无)
股票代码            600000
                 董事会秘书                    证券事务代表
姓名               沈思                杨国平            王景斌
联系地址   上海市中山东一路12号 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          021-63611226
传真            021- 63230807     021- 63230807          021- 63230807
电子邮箱     shens2@spdb.com.cn   yanggp@spdb.com.cn  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)                     361,300,388              279,300,719
股东权益(不含少数股东权益)(千元)  11,526,896                7,960,476
每股净资产(元)                             2.944                    2.202
调整后的每股净资产(元)                     2.942                    2.199
                                   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)          --                3,003,827
每股收益(元)                               0.109                    0.276
净资产收益率                               3.69%                    9.39%
扣除非经常性损益后的净资产收益率           3.74%                    9.43%
非经常性损益项目                                              金额(千元)
营业外收入                                                      4,074
营业外支出                                                     12,096
合计                                                            8,022
                                         本报告期末比上年度期末增减(%)
总资产(千元)                                                       29.36%
股东权益(不含少数股东权益)(千元)                                   44.80%
每股净资产(元)                                                     33.70%
调整后的每股净资产(元)                                             33.79%
                                             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)                                     --
每股收益(元)                                                       15.00
净资产收益率                                                      -12.97
扣除非经常性损益后的净资产收益率                                  -12.77
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: 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7 月-9 月     2003 年1 月-9 月
一、营业收入                             3,490,579              9,517,214
利息收入及金融机构往来收入               2,980,904              8,145,936
投资收益                                   381,018              1,016,871
其他营业收入                               128,657                354,407
二、营业支出                             2,720,372              7,547,215
利息支出及金融机构往来支出               1,248,927              3,550,472
营业费用                                   593,335              1,713,850
其他营业支出                               878,110              2,282,893
三、营业税金及附加                         151,064                418,194
四、营业利润                               619,143              1,551,805
加:营业外收支净额                           2,050                 -8,022
五、利润总额                               621,193              1,543,783
减:所得税                                 195,967                461,722
六、净利润                                 425,226              1,082,061
项目                             2002 年7 月-9 月      2002 年1 月-9 月
一、营业收入                             2,423,463              6,539,827
利息收入及金融机构往来收入               2,063,439              5,415,355
投资收益                                   289,348                856,211
其他营业收入                                70,677                268,261
二、营业支出                             1,890,022              5,054,517
利息支出及金融机构往来支出                 904,627              2,398,829
营业费用                                   756,334              1,604,015
其他营业支出                               229,061              1,051,673
三、营业税金及附加                         122,756                327,487
四、营业利润                               410,685              1,157,823
加:营业外收支净额                          -4,388                 -2,725
五、利润总额                               406,297              1,155,098
减:所得税                                  93,047                300,406
六、净利润                                 313,250                854,692
    2.3 报告期末股东总人数271689 户。
    报告期内,由于花旗银行海外投资公司受让上海国有资产经营有限公司、上海久事公司的相关股权获得有关部门的批准并完成过户手续,公司前十大股东发生变化,具体情况如下:
    单位:千股
报告期末股东总数(户)                               271689
前十名股东持股情况
股东名称(全称)                      报告期内     期末持            比例
                                        增减       股数量          (%)
上海国际信托投资有限公司                           252000            6.44
上海上实(集团)有限公司                             190500            4.87
上海国有资产经营有限公司            --108450       190050            4.85
花旗银行海外投资公司                +180750       180750            4.62
上海久事公司                         --72300       157200            4.02
申能股份有限公司                                    75000            1.92
东方国际(集团)有限公司                              75000            1.92
上海实业发展股份有限公司                            61500            1.57
上海上实国际贸易(集团)有限公司                      60000            1.53
上海金桥出口加工区开发股份有限公司                  60000            1.53
报告期末股东总数(户)
前十名股东持股情况
股东名称(全称)                          股份类别质押或             股东
                                             冻结股                  性质
上海国际信托投资有限公司                     未流通                  国有
上海上实(集团)有限公司                       未流通                  国有
上海国有资产经营有限公司                     未流通                  国家
花旗银行海外投资公司                         未流通                  外资
上海久事公司                                 未流通                  国有
申能股份有限公司                             未流通                  社会
东方国际(集团)有限公司                       未流通                  国有
上海实业发展股份有限公司                     未流通                  社会
上海上实国际贸易(集团)有限公司               未流通                  国有
上海金桥出口加工区开发股份有限公司           未流通                  国有
前十名股东关联关系或一致行动的说明    上海上实(集团)有限公司为上海实业发
                                       展股份有限公司、上海上实国际贸易
                                       (集团)有限公司的控股股东。
    
§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9 月30 日            2002 年12 月31 日
总负债                         349,773,492                    271,340,243
存款总额                       303,560,562                    243,913,237
其中:长期存款                 108,138,282                     85,065,572
同业拆入总额                     3,033,400                      4,870,264
贷款总额                       255,153,557                    174,377,477
其中:短期贷款                 149,224,371                    107,986,036
进出口押汇                       1,605,213                        756,392
贴现                            49,601,022                     31,715,814
中长期贷款                      49,166,021                     27,860,111
逾期贷款                           824,660                        504,650
呆滞贷款                         4,439,985                      5,120,518
呆帐贷款                            14,690                        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9 月30 日
                                                     期末           平均
资本充足率%                        ≥8              8.46             8.96
                            人民币 ≥25            64.22            46.49
流动性比率%                   外币 ≥60            33.91            67.23
                            人民币 ≤75            67.09            63.69
存贷比%                       外币 ≤85            75.54            65.18
                            人民币 ≤120          165.35           123.24
中长期贷款比例%               外币 ≤60            20.84            18.09
                        拆入资金比 ≤4              0.73             0.47
拆借资金比例%           拆出资金比 ≤8              2.64             1.93
国际商业借款比例%                  ≤100            1.81             1.15
不良贷款比例%                      ≤15             2.25             2.90
利息回收率                         -              100.82            98.43
单一最大客户贷款比例               ≤10             5.59             6.18
最大十家客户贷款比例               ≤50            40.37            40.71
项目                                               2002 年12 月31 日
                                            期末                     平均
资本充足率%                                8.54                      9.20
                                          39.34                     41.42
流动性比率%                               90.24                     91.65
                                          58.95                     65.41
存贷比%                                   51.67                     43.49
                                          74.11                     83.28
中长期贷款比例%                           15.93                     17.58
                                              -                      0.51
拆借资金比例%                              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%         准备金计提比例%
正常类            23,942,864           93.84                         1.00
关注类               911,135            3.57                         2.00
次级类               204,053            0.80                        35.00
可疑类               455,835            1.79                        70.00
损失类                 1,469            0.01                       100.00
合计              25,515,356          100.00
    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60.36 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                85,558                  0                  不计提
其他应收款           2,754,635            127,482              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9 月30 日,公司主要经营和管理情况如下:
    ——总资产规模达到3613 亿元,比年初增加了820 亿元,增幅为29.36 %。本外币贷款余额2551.54 亿元,比年初增加了807.77 亿元,增长46.32%。
    ——各项存款余额为3035.61 亿元,比年初增加596.48 亿元,增幅为24.45%。其中,本外币储蓄存款余额291.75 亿元, 比年初增长61.42 亿元,增幅为26.66%。
    ——股东权益115.27 亿元,每股净资产2.944 元,每股收益0.276 元。
    ——按照“五级”分类,后三类贷款比例为2.66 %,比上报告期下降0.50 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,又增设了一批新的营业网点,公司已全国32 个城市地开设了19 家分行、2 家直属支行,11家异地支行,机构网点增至297 家。
    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               8,500,343            7,547,216          12.63
    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                                3,427,440                  83,376
北京地区                                  639,995                 210,487
江苏地区                                  846,203                 215,046
浙江地区                                1,342,613                 488,873
广东地区                                  840,962                 118,447
境内其他地区                            2,402,763                 434,285
境外离岸                                    1,932                   1,292
合计                                    9,501,908               1,551,805
    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
    □适用                                                     □√不适用
    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1-9 月      2002 年1-9 月         增减
贷款                         7,246,061          4,788,948          51.31%
拆借、存放等同业业务           899,875            626,407          43.66%
债券投资                     1,001,565            840,905          19.11%
其他业务                       354,407            268,260          32.11%
合计                         9,501,908          6,524,520          45.63%
    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1-9 月     2002 年1-9 月       增减
营业利润                           1,551,805      1,157,823        34.03%
营业收入                           9,501,908      6,524,520        45.63%
毛利率                                    16.33%         17.75%
    4.7 重大事项及其影响和解决方案的分析说明
    2003 年9 月18 日,公司接股东上海国有资产经营有限公司、上海久事公司通知,国务院国有资产监督管理委员会以国资产权函【2003】206 号《关于上海浦东发展银行股份有限公司国有股权转让有关问题的批复》,同意上海国有资产经营有限公司将其所持公司29850万股国家股中的10845 万股转让给花旗银行海外投资公司,同意上海久事公司将其所持公司22950 万股国有法人股中的7230 万股转让给花旗银行海外投资公司。
    2003 年9 月30 日,该等股权转让完成在上海证券交易所、中国证券登记结算有限责任公司上海分公司有关过户的法律手续。花旗银行海外投资公司受让上述股权后,持有公司股份18075 万股,占总股本的4.62%,为公司第四大股东。本次股权转让完成后,公司第一大股东由上海国有资产经营有限公司变更为上海国际信托投资有限公司,
    上述事项公司已于2003 年9 月19 日、10 月10 日分别在《中国证券报》、《上海证券报》、《证券时报》上予以披露。
    2003 年9 月15 日,中国证券监督管理委员会、中国银行业监督管理委员会《关于上海浦东发展银行证券投资基金托管人资格的批复》(证监基金字【2003】105号),批准公司证券投资基金托管人资格,同意公司开办证券投资基金托管业务。
    公司已于2003 年9 月17 日在《中国证券报》、《上海证券报》、《证券时报》予以披露。
    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○○三年十月二十八日
                              资产负债表(未经审计)
    单位:人民币元
资产                                     行次           2003年9月30日
流动资产:                                                               -
现金及银行存款                           1               1,063,863,211.46
贵金属                                   2                              -
存放中央银行款项                         3              27,584,841,386.84
存放同业款项                             4               6,374,465,690.89
存放联行款项                             5                           0.00
存放系统内款项                           6                              -
拆放同业                                 7              11,620,034,516.72
拆放金融性公司                           8               5,414,810,000.00
短期贷款                                 9             149,224,371,241.85
进出口押汇                              10               1,605,213,231.40
议付信用证款项                          11                              -
应收利息                                12                  85,557,565.14
其他应收款                              13               2,754,634,561.81
减:坏帐准备                             14                -127,482,441.84
应收款项净额                            15               2,712,709,685.11
贴现                                    16              49,601,021,822.76
短期投资                                17              13,482,419,119.89
委托贷款及委托投资                      18                              -
买入返售证券                            19                  54,000,000.00
待摊费用                                20                              -
一年内到期的长期债券投资                21               4,462,693,325.52
一年内到期的其他长期投资                22                              -
其他流动资产                            23                 277,593,237.38
流动资产合计                            24             273,478,036,469.82
长期资产:                                                               -
中长期贷款                              25              49,166,021,099.15
逾期贷款                                26                 824,660,402.20
呆滞贷款                                27               4,439,985,369.36
呆帐贷款                                28                  14,690,249.77
减:贷款呆帐准备                         29              -6,035,976,488.52
长期债券投资                            30              31,828,427,240.32
长期股权投资                            31                 452,626,884.40
减:长期投资减值准备                    32                  -3,254,801.53
长期投资净额                            33              32,277,799,323.19
固定资产原价                            34               5,653,442,966.17
减:累计折旧                             35              -1,657,875,955.83
固定资产净值                            36               3,995,567,010.34
在建工程                                37                 261,505,873.53
固定资产清理                            38                   2,274,443.01
长期资产合计                            39              84,946,527,282.02
无形、递延及其他资产:                                                  -
无形资产                                40                 194,826,865.58
长期待摊费用                            41                   6,552,611.68
待处理抵债资产                          42                 116,180,242.82
其他长期资产                            43               1,098,533,264.00
无形资产及其他资产合计                  44               1,416,092,984.08
递延税项:                                                              -
递延税款借项                            45               1,459,730,937.02
资产总计                                60             361,300,387,672.94
                                                                        -
负债及所有者权益                      行次                  2003年9月30日
流动负债:                                                              -
短期存款                                 61            125,743,508,346.78
短期储蓄存款                             62             10,158,291,206.00
财政性存款                               63                 67,529,594.49
向中央银行借款                           64                350,000,000.00
同业存放款项                             65             17,045,178,924.43
联行存放款项                             66                             -
系统内存款                               67                             -
同业拆入                                 68             16,254,273,188.00
卖出回购证券款                           69              3,018,460,000.00
汇出汇款                                 70              1,029,942,649.45
应解汇款及临时存款                       71              1,454,956,221.90
委托资金                                 72                163,488,980.33
存入短期保证金                           73             57,834,505,611.60
应付利息                                 74              1,285,343,318.44
应付工资                                 75                120,536,449.48
应付福利费                               76                 69,607,492.03
应交税金                                 77                735,575,701.81
应付利润                                 78                 17,335,028.96
其他应付款                               79              4,736,309,480.25
预提费用                                 80                             -
递延收益                                 81                222,929,057.68
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                190,773,607.24
流动负债合计                             90            240,498,544,858.87
长期负债:                                                              -
长期存款                                 91             88,359,224,967.47
长期储蓄存款                             92             19,016,803,753.55
存入长期保证金                           93                762,253,548.23
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              1,136,664,515.88
长期负债合计                            100            109,274,946,785.13
递延税项:                                                               -
递延税款贷项                            101                             -
负债合计                                105            349,773,491,644.00
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              1,119,725,686.49
股东权益合计                            112             11,526,896,028.93
减:待处理财产净损失                    113                             -
股东权益净额                            115             11,526,896,028.93
负债及股东权益总计                      121            361,300,387,672.94
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                                           2002年12月31日
流动负债:                                                           0.00
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                                                       0.00
同业存放款项                                            15,241,409,074.52
联行存放款项                                                         0.00
系统内存款                                                           0.00
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                                                             0.00
递延收益                                                             0.00
发行短期债券                                                         0.00
一年内到期的长期负债                                                 0.00
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:                                                           0.00
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                                                           0.00
发行长期债券                                                         0.00
长期应付款                                                           0.00
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:                                                            0.00
递延税款贷项                                                         0.00
负债合计                                               271,340,242,869.01
所有者权益:                                                         0.00
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                                                         0.00
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                                                 0.00
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:张广生            行1长: 金运       财务总监:黄建平
    制表人:傅能
                           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
营业外净收入收到的现金                                                  7
现金流入小计                                                            8
支付的存款利息                                                          9
金融企业往来支出支付的现金                                             10
手续费支出支付的现金                                                   11
支付给职工以及为职工支付的现金                                         12
其他营业费用支付的现金                                                 13
支付的营业税金及附加款                                                 14
支付的所得税款                                                         15
现金流出小计                                                           16
因经营活动而产生的现金流量净额                                         17
经营性资产的减少(增加)                                               18
缴存中央银行准备金                                                     19
存放同业                                                               20
拆放同业及金融性公司                                                   21
贷款                                                                   22
贴现                                                                   23
已核销呆帐贷款及利息收回                                               24
经营性债券投资                                                         25
买入返售证券                                                           26
长期待摊费用                                                           27
其他资产                                                               28
其他应收暂付款减少收回的现金                                           29
经营性资产的减少(增加)小计                                           30
经营性负债的增加(减少)                                               31
向央行借款                                                             32
同业间存放                                                             33
同业及金融性公司拆入                                                   34
卖出回购证券                                                           35
存款                                                                   36
保证金                                                                 37
委托存款                                                               38
其他应付暂收款减少流出的现金                                           40
经营性负债的增加(减少)小计                                           41
流动资金变动产生的现金流量净额                                         42
营业活动产生的现金流量净额                                             43
二.投资活动产生的现金流量
收回投资所收到的现金                                                   44
投资性债券投资收益收到的现金                                           45
投资性债券投资减少收回的现金                                           46
分得股利或利润所收到的现金                                             47
处置固定资产、无形资产而收到的现金                                     48
现金流入小计                                                           49
投资性债券投资增加流出的现金                                           50
购建固定资产、无形资产所支付的现金                                     51
权益性投资支付的现金                                                   52
现金流出小计                                                           53
投资活动产生的现金流量净额                                             54
三.融资活动产生的现金流量
发行股票所收到的现金                                                   55
发行债券所收到的现金                                                   56
现金流入小计                                                           57
收回发行债券所支付的现金                                               58
偿付利息所支付的现金                                                   59
分配股利或利润所支付的现金                                             60
现金流出小计                                                           61
融资活动产生的现金流量净额                                             62
四.汇率变动对现金的影响额                                             63
五.本期现金及现金等价物净增加额                                       64
补充资料                                                             行次
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                                                     65
以投资偿还债务                                                         66
以固定资产进行投资                                                     67
不涉及现金流量的投资和融资活动金额                                     68
2.将净利润调整为因经营活动而产生的现金流量
净利润                                                                 69
加:计提的坏帐准备                                                     70
计提的贷款呆帐准备                                                     71
计提的长期投资减值准备                                                 72
计提的抵债资产资减值准备
固定资产折旧                                                           73
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
投资损失(减:收益)                                                   76
投资、筹资活动产生的汇兑损益                                           77
递延税款贷项(减:借项)                                                  78
经营性应付项目的增加(减:减少)                                       79
经营性应收项目的减少(减:增加)                                       80
其他                                                                   81
因经营活动而产生的现金流量净额                                         82
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                                             83
减:现金及现金等价物的期初余额                                         84
现金及现金等价物净增加额                                               85
项目                                                         2003年1-9月
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                                           7,389,186,974.00
金融企业往来收入收到的现金                                 899,874,656.69
中间业务收入收到的现金                                     204,956,856.77
经营性债券投资收益收到的现金                               274,618,103.72
汇兑净收益收到的现金                                       119,039,644.08
营业外净收入收到的现金                                      -6,525,903.41
现金流入小计                                             8,881,150,331.85
支付的存款利息                                           2,527,172,450.98
金融企业往来支出支付的现金                                 740,138,072.06
手续费支出支付的现金                                        38,782,482.26
支付给职工以及为职工支付的现金                             759,594,520.98
其他营业费用支付的现金                                   1,040,615,368.24
支付的营业税金及附加款                                     418,194,167.12
支付的所得税款                                             352,826,514.25
现金流出小计                                             5,877,323,575.89
因经营活动而产生的现金流量净额                           3,003,826,755.96
经营性资产的减少(增加)
缴存中央银行准备金                                      10,583,303,553.61
存放同业                                                                -
拆放同业及金融性公司                                       496,518,949.54
贷款                                                   -63,494,050,703.38
贴现                                                   -17,885,207,705.22
已核销呆帐贷款及利息收回                                     4,297,949.61
经营性债券投资                                          -3,751,025,297.96
买入返售证券                                             1,636,000,000.00
长期待摊费用                                               -15,979,590.09
其他资产                                                  -882,384,322.02
其他应收暂付款减少收回的现金                              -893,722,191.98
经营性资产的减少(增加)小计                           -74,202,249,357.89
经营性负债的增加(减少)
向央行借款                                                 350,000,000.00
同业间存放                                               1,803,769,849.91
同业及金融性公司拆入                                    11,384,009,115.96
卖出回购证券                                             2,918,460,000.00
存款                                                    35,304,598,733.30
保证金                                                  24,254,220,381.77
委托存款                                                    88,505,887.00
其他应付暂收款减少流出的现金                             1,060,082,434.24
经营性负债的增加(减少)小计                            78,066,011,818.64
流动资金变动产生的现金流量净额                           3,863,762,460.75
营业活动产生的现金流量净额                               6,867,589,216.71
二.投资活动产生的现金流量                                              -
收回投资所收到的现金                                        33,400,338.75
投资性债券投资收益收到的现金                               884,108,986.74
投资性债券投资减少收回的现金                             1,924,322,958.00
分得股利或利润所收到的现金                                  15,305,961.32
处置固定资产、无形资产而收到的现金                          89,774,485.68
现金流入小计                                             2,946,912,730.49
投资性债券投资增加流出的现金                             7,821,113,352.47
购建固定资产、无形资产所支付的现金                         512,154,707.87
权益性投资支付的现金                                                    -
现金流出小计                                             8,333,268,060.34
投资活动产生的现金流量净额                              -5,386,355,329.85
三.融资活动产生的现金流量                                              -
发行股票所收到的现金                                     2,484,358,248.41
发行债券所收到的现金                                                    -
现金流入小计                                             2,484,358,248.41
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                                 389,935,000.00
现金流出小计                                               389,935,000.00
融资活动产生的现金流量净额                               2,094,423,248.41
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                         3,575,657,135.27
补充资料                                                  2003年1-9月金额
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                                                   1,082,061,317.12
加:计提的坏帐准备                                           1,164,992.91
计提的贷款呆帐准备                                       1,676,531,741.90
计提的长期投资减值准备                                      -1,304,110.20
计提的抵债资产资减值准备                                    64,220,429.11
固定资产折旧                                               353,878,368.48
无形资产、递延资产及其他资产摊销                            34,940,446.29
处置固定资产、无形资产和其他长期资产的损失
(减:收益)                                                 1,495,819.43
投资损失(减:收益)                                      -772,590,310.84
投资、筹资活动产生的汇兑损益                                            -
递延税款贷项(减:借项)                                     -195,045,948.61
经营性应付项目的增加(减:减少)                           843,963,433.71
经营性应收项目的减少(减:增加)                           -85,489,423.34
其他                                                                    -
因经营活动而产生的现金流量净额                           3,003,826,755.96
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                              39,998,165,827.29
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                                 3,575,657,135.27
    法定代表人:张广生     行长:金运     财务总监:黄建平    制表人:傅能
                               利润及利润分配表
    (未经审计)
    单位:人民币元
项目                                  行次                   2003年1-9月
一、营业收入                            1                8,500,343,439.76
利息收入                                2                7,246,061,468.11
金融机构往来收入                        3                  899,874,656.69
中间业务收入                            4                  181,969,708.92
汇兑收益                                5                  119,113,062.48
其他业务收入                            6                   53,324,543.56
二、营业成本                            7                3,589,328,235.89
利息支出                                8                2,810,334,263.17
金融机构往来支出                        9                  740,138,072.06
手续费支出                              10                  38,782,482.26
汇兑损失                                11                      73,418.40
四、营业费用                            12               2,217,274,458.90
业务及管理费                            13              1,820,142,9259.47
折旧费                                  14                 353,878,368.48
其他营业支出                            15
五、投资净收益                          16               1,016,871,018.85
六、营业利润                            17               3,710,611,763.82
减:营业税金及附加                      18                 418,194,167.12
加:营业外收入                          19                   4,074,197.27
减:营业外支出                          20                  12,095,920.11
七、计提资产损失准备前利润总额          21               3,284,395,873.86
减:资产损失准备                        22               1,783,866,218.19
八、计提资产损失准备后利润总额          23               1,543,782,820.62
减:所得税                              24                 461,721,503.50
九、净利润                              25               1,082,061,317.12
加:年初未分配利润                      26                  37,664,369.37
盈余公积转入                            27
十、可供分配的利润                      28               1,119,725,686.49
减:提取法定盈余公积                    29                              -
提取法定公益金                          30                              -
提取一般准备                            31                              -
十一、可供股东分配的利润                32               1,119,725,686.49
减:应付优先股股利                      33
提取任意盈余公积                        34                              -
应付普通股股利                          35                              -
转作股本的普通股股利                    36
十二、未分配利润                        37               1,119,725,686.49
项目                                                         2002年1-9月
一、营业收入                                             5,683,614,912.63
利息收入                                                 4,788,948,105.85
金融机构往来收入                                           626,406,920.70
中间业务收入                                               143,987,852.09
汇兑收益                                                    75,190,881.83
其他业务收入                                                49,081,152.16
二、营业成本                                             2,444,167,373.41
利息支出                                                 2,030,937,922.09
金融机构往来支出                                           367,890,757.67
手续费支出                                                  45,330,955.12
汇兑损失                                                         7,738.53
四、营业费用                                             1,604,014,868.04
业务及管理费                                             1,279,815,149.07
折旧费                                                     324,199,718.97
其他营业支出
五、投资净收益                                             856,211,172.31
六、营业利润                                             2,491,643,843.50
减:营业税金及附加                                         327,486,898.93
加:营业外收入                                               8,341,652.13
减:营业外支出                                              11,066,233.88
七、计提资产损失准备前利润总额                           2,161,432,362.82
减:资产损失准备                                         1,006,334,548.87
八、计提资产损失准备后利润总额                           1,155,097,813.95
减:所得税                                                 300,406,250.79
九、净利润                                                 854,691,563.16
加:年初未分配利润                                          29,448,197.34
盈余公积转入
十、可供分配的利润                                         884,139,760.50
减:提取法定盈余公积
提取法定公益金
提取一般准备
十一、可供股东分配的利润                                   884,139,760.50
减:应付优先股股利
提取任意盈余公积
应付普通股股利
转作股本的普通股股利
十二、未分配利润                                           884,139,760.50
    法定代表人:张广生      行长:金运      财务总监:黄建平     制表人:傅能
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