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浦发银行(600000)公告正文

浦发银行:2015年第三季度报告

公告日期 2015-10-30
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
                            2015 年第三季度报告

    一、重要提示
    1、公司董事会、监事会及其董事、监事、高级管理人员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、准确性和完整性承担个别及连带责任。
     2、公司于 2015 年 10 月 29 日以通讯表决形式召开第五届董事会第四十五次会议审议并通过
本报告,公司全体董事出席会议并行使表决权。
     3、公司董事长吉晓辉、行长刘信义、财务总监潘卫东及会计机构负责人林道峰,保证本季
度报告中财务报告的真实、完整。
    4、公司第三季度财务报告未经审计。


    二、公司主要财务数据和股东变化
    2.1 主要会计数据及财务指标
                                                                                      币种:人民币
                                                                                 本报告期末比上年
                                                 本报告期末       上年度末
                                                                                   度末增减(%)
资产总额(百万元)                                   4,822,629         4,195,924               14.94
归属于母公司股东的净资产(百万元)                     300,265           260,169               15.41
归属于母公司普通股股东的净资产(百万元)               270,345           245,209               10.25
归属于母公司普通股股东的每股净资产(元)              14.493           13.146                10.25
                                                年初至报告期   上年初至上年报
                                                                                 比上年同期增减(%)
                                                末(1-9 月)    告期末(1-9 月)
经营活动产生的现金流量净额(百万元)                   294,643            50,069              488.47
每股经营活动产生的现金流量净额(元)                  15.796             2.684              488.52
营业收入(百万元)                                     108,632            89,773               21.01
归属于母公司股东的净利润(百万元)                      37,162            34,799                6.79
归属于母公司股东的扣除非经常性损益的净利润
                                                      36,402            34,542                5.38
(百万元)
加权平均净资产收益率(%)                              14.37             15.92   下降 1.55 个百分点
扣除非经常性损益后的加权平均净资产收益率(%)          14.08             15.81   下降 1.73 个百分点
基本每股收益(元)                                     1.992             1.866                6.75
稀释每股收益(元)                                     1.992             1.866                6.75
扣除非经常性损益后的基本每股收益(元)                     1.952           1.852               5.40
注:(1)每股收益、加权平均净资产收益率根据《公开发行证券的公司信息披露编报规则第9号——净资产收益
率和每股收益的计算及披露》(2010年修订)计算。公司于2014年11月28日与2015年3月6日非公开发行金额共计
人民币300亿元股息不可累积的优先股。每股收益、加权平均净资产收益率及全面摊薄净资产收益率未考虑相应的
优先股股息。若经董事会审议并宣告,公司将于2015年发放相应的优先股股息。
    (2)非经常性损益根据《中国证券监督管理委员会公告2008年第43号—公开发行证券的公司信息披露解释
性公告第1号--非经常性损益》的定义计算。
    (3)报告期加权平均净资产收益率未年化处理。
2015 年第三季度报告




       非经常性损益项目和金额
                                                                                        单位:人民币百万元

                                                           本期金额              年初至报告期期末金额
                       项目
                                                         (7-9 月)                 (1-9 月)
非流动资产处置损益                                              180                              422
收回以前年度核销贷款                                            160                              463
其他营业外收支净额                                               90                              128
非经常性损益的所得税影响数                                     -107                             -253
合计                                                            323                              760


       2.2 报告期末股东数及前十名股东持股情况表
股东总数(户)                                                               239,254
前十名股东持股情况
                                                                        持有有限售条       质押或冻结情况
股东名称(全称)                        期末持股数量      比例(%)
                                                                          件股份数量     股份状态      数量
中国移动通信集团广东有限公司            3,730,694,283      20.000      3,730,694,283        -           -
上海国际集团有限公司                    3,157,513,917      16.927           -               -           -
富德生命人寿保险股份有限公司-传统      1,056,330,680       5.663           -               -           -
上海上国投资产管理有限公司                975,923,794       5.232           -               -           -
富德生命人寿保险股份有限公司-万能 H      806,252,462       4.322           -               -           -
中国证券金融股份有限公司                  557,741,657       2.990           -               -           -
上海国鑫投资发展有限公司                  377,101,999       2.022           -               -           -
雅戈尔集团股份有限公司                    357,780,048       1.918           -               -           -
中央汇金投资有限责任公司                  278,686,300       1.494           -               -           -
富德生命人寿保险股份有限公司-分红        276,807,473       1.484           -               -           -
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的数量                    股份种类
上海国际集团有限公司                                 3,157,513,917                     人民币普通股
富德生命人寿保险股份有限公司-传统                   1,056,330,680                     人民币普通股
上海上国投资产管理有限公司                              975,923,794                    人民币普通股
富德生命人寿保险股份有限公司-万能 H                    806,252,462                    人民币普通股
中国证券金融股份有限公司                                557,741,657                    人民币普通股
上海国鑫投资发展有限公司                                377,101,999                    人民币普通股
雅戈尔集团股份有限公司                                  357,780,048                    人民币普通股
中央汇金投资有限责任公司                                278,686,300                    人民币普通股
富德生命人寿保险股份有限公司-分红                      276,807,473                    人民币普通股
百联集团有限公司                                        190,083,517                    人民币普通股
上述股东关联关系或一致行动的说明        1、上海国际集团有限公司为上海上国投资产管理有限公司、上海国
                                        鑫投资发展有限公司的控股公司。
                                        2、富德生命人寿保险股份有限公司-传统、富德生命人寿保险股份
                                        有限公司-万能 H、富德生命人寿保险股份有限公司-分红为一致行
                                        动人。
表决权恢复的优先股股东及持股数量说明       无
  注:2015 年 10 月 14 日,中国移动通信集团广东有限公司所持限售股份因限售期届满上市流通。



                                                 2
2015 年第三季度报告




    2.3 截止报告期末的优先股股东总数、前十名优先股股东、前十名优先股无限售条件股东持
股情况表
    (1)浦发优 1                                                                           单位:股
股东总数(户)                                                                     32
前十名股东持股情况
                                                                     有限售条件     质押或冻结情况
               股东名称(全称)            期末持股数量   比例(%)
                                                                       股份数量 股份状态      数量
交银施罗德资管                               11,540,000      7.693       -         -           -
中国平安财产保险股份有限公司-传统           11,470,000      7.647       -         -           -
中国平安人寿保险股份有限公司-分红           11,470,000      7.647       -         -           -
中国平安人寿保险股份有限公司-万能           11,470,000      7.647       -         -           -
永赢基金                                     11,470,000      7.647       -         -           -
华宝信托有限责任公司-投资 2 号资金信托      11,470,000      7.647       -         -           -
易方达基金                                   11,470,000      7.647       -         -           -
交银国信金盛添利 1 号单一资金信托             9,180,000      6.120       -         -           -
北京天地方中资产                              8,410,000      5.607       -         -           -
中海信托股份有限公司                          7,645,500      5.097       -         -           -
前十名优先股股东之间,上述股东与前十名普   本期优先股股东中国平安财产保险股份有限公司-传统、中国平
通股股东之间存在关联关系或属于一致行动人   安人寿保险股份有限公司-分红、中国平安人寿保险股份有限公
的说明                                     司-万能为一致行动人。


    (2)浦发优 2                                                                           单位:股
股东总数(户)                                                                         14
前十名股东持股情况
                                                                     有限售条件     质押或冻结情况
               股东名称(全称)            期末持股数量   比例(%)
                                                                       股份数量 股份状态      数量
中国人民财产保险股份有限公司-传统           34,880,000     23.253       -         -           -
中国平安人寿保险股份有限公司-分红           20,360,000     13.573       -         -           -
中国平安人寿保险股份有限公司-万能           19,500,000     13.000       -         -           -
中国平安人寿保险股份有限公司-自有资金       19,500,000     13.000       -         -           -
永赢基金                                     10,460,000      6.973       -         -           -
中国银行股份有限公司上海市分行(中银平稳     10,460,000      6.973       -         -           -
上海定向资管计划)
交银施罗德资管                                6,970,000      4.647       -         -           -
中海信托股份有限公司                          6,970,000      4.647       -         -           -
兴全睿众资产                                  6,970,000      4.647       -         -           -
华商基金                                      5,580,000      3.720       -         -           -
前十名优先股股东之间,上述股东与前十名普   本期优先股股东中国平安人寿保险股份有限公司-分红、中国平
通股股东之间存在关联关系或属于一致行动人   安人寿保险股份有限公司-万能、中国平安人寿保险股份有限公
的说明                                     司-自有资金为一致行动人。




                                                3
2015 年第三季度报告




   三、银行业务数据
    3.1 截止报告期末公司补充财务数据:
                                                                                 单位:人民币百万元
                    项目                        2015 年 9 月 30 日           2014 年 12 月 31 日
   资产总额                                             4,822,629                   4,195,924
   负债总额                                             4,519,009                   3,932,639
   存款总额                                             3,001,090                   2,793,224
   其中:企业活期存款                                     855,633                     801,622
         企业定期存款                                   1,267,541                   1,086,841
         储蓄活期存款                                     120,893                     111,674
         储蓄定期存款                                     381,341                     363,714
   贷款总额                                             2,187,944                   2,028,380
   其中:正常贷款                                       2,158,115                   2,006,795
         不良贷款                                          29,829                      21,585
   同业拆入                                                39,604                      63,098
   贷款损失准备                                            74,177                      53,766
   不良贷款率(%)                                              1.36                       1.06
   贷款减值准备对不良贷款比率(%)                           248.67                      249.09
   贷款减值准备对贷款总额比率(%)                              3.39                       2.65
                                                     2015 年 1-9 月              2014 年 1-9 月
   平均总资产回报率(%)                                        0.83                       0.92

    全面摊薄净资产收益率(%)                                  13.75                      15.04
注:(1)报告期平均总资产回报率、全面摊薄净资产收益率均未年化处理。
   (2)根据监管机构有关规定,报告期内将表内理财产品纳入结构性存款统计,上年末相关数据作同口径调整。


    3.2资本结构情况
    根据中国银监会《商业银行资本管理办法(试行)》相关规定计算:
                                                                                 单位:人民币百万元
                                                 2015 年 9 月 30 日          2014 年 12 月 31 日
                    项     目
                                                     母公司口径                  母公司口径
 资本总额                                               390,486                      321,660
   1、核心一级资本                                      267,636                      244,085
   2、其他一级资本                                        29,920                      15,000
   3、二级资本                                            92,930                      62,575
 资本扣除项                                                4,476                       4,142
   1、核心一级资本扣减项                                   3,976                       3,642
   2、其他一级资本扣减项                                       -                            -
   3、二级资本扣减项                                         500                          500
 资本净额                                               386,010                      317,518
 最低资本要求(%)                                            8.00                        8.00
 储备资本和逆周期资本要求(%)                                2.50                        2.50
 附加资本要求                                                  -                            -
 信用风险加权资产                                     2,908,744                    2,606,223
 市场风险加权资产                                         28,376                      22,646



                                                4
2015 年第三季度报告



 操作风险加权资产                                                 194,116                             194,116
 风险加权资产合计                                               3,131,236                           2,822,985
 核心一级资本充足率(%)                                                  8.42                                8.52
 一级资本充足率(%)                                                      9.38                                9.05
 资本充足率(%)                                                         12.33                               11.25

注:(1)以上为根据中国银监会《商业银行资本管理办法(试行)》计量的母公司资本充足率相关数据及信息。
核心一级资本净额=核心一级资本-核心一级资本扣减项;一级资本净额=核心一级资本净额+其他一级资本-其他一
级资本扣减项;总资本净额=一级资本净额+二级资本-二级资本扣减项。
    (2)按照中国银监会《商业银行资本充足率管理办法》(简称“旧办法”)规定计算,截止报告期末母公司
口径的资本充足率13.42%,比上年末提高1.56个百分点;核心资本充足率8.53%,比上年末降低0.08个百分点。
    (3)享受过渡期优惠政策的资本工具:按照中国银监会《商业银行资本管理办法(试行)》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%。2012年末
本公司不合格二级资本账面金额为386亿元,2013年起按年递减10%,报告期末本公司不合格二级资本工具可计入
金额为270.2亿元。


       3.3 杠杆率信息
       根据中国银监会《商业银行杠杆率管理办法(修订)》的要求,公司对杠杆率指标进行了计量。
法人口径下,报告期末的杠杆率为 5.19%,较 2014 年末上升 0.03 个百分点。
                                                                                                 单位:人民币百万元
指标                     2015 年 9 月 30 日       2015 年 6 月 30 日      2015 年 3 月 31 日      2014 年 12 月 31 日
一级资本净额                          293,580                280,425               281,787                    255,443
调整后的表内外资产                5,654,350              5,450,097               5,052,102                  4,951,118
余额                               5.19                5.15                5.58               5.16
注:(1)一级资本净额根据《商业银行资本管理办法(试行)》要求计算得到,等于一级资本减去一级资本扣减
项。
     (2)调整后的表内外资产余额=调整后的表内资产余额(不包括表内衍生产品和证券融资交易)+衍生产品资
产余额+证券融资交易资产余额+调整后的表外项目余额-一级资本扣减项。


   3.4 截止报告期末公司其他监管指标:
                                                                 2015 年 9 月 30 日            2014 年 12 月 31 日
                 项目(%)                      标准值            期末           平均             年末             平均
                             人民币               ≥25           32.60         35.17              30.68            34.87
  资产流动性比率
                             本外币合计           ≥25           32.66         36.52              32.93            36.03
                             人民币               ≤75           70.43         71.20              71.73            71.47
  存贷比
                             本外币合计           ≤75           69.58         71.12              71.99            71.42
  单一最大客户贷款比例                            ≤10            1.46           1.62               1.54            1.77
  最大十家客户贷款比例                     ≤50        10.77       11.42         11.69     12.22
注:(1)上表中流动性比率、存贷比率、单一最大客户贷款比例、最大十家客户贷款比例按照上报监管机构的
数据计算,数据口径为母公司口径。
       (2) 本报告期末和上年末存贷比根据银监发[2014]34号文相关要求计算。




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2015 年第三季度报告


     3.5信贷资产“五级”分类情况。
                                                                                        单位:人民币百万元
           五级分类                                     金     额                           占    比%
             正常类                                   2,083,349                              95.22
             关注类                                      74,766                                  3.42
             次级类                                      14,710                                  0.67
             可疑类                                      10,246                                  0.47
             损失类                                       4,873                                  0.22
             合   计                                  2,187,944                             100.00


    四、重要事项
     4.1 公司主要会计报表项目、财务指标大幅度变动的情况及原因
                                                                         单位:人民币百万元
           项目            2015-9-30     2014-12-31      增减%             报告期内变动的主要原因
拆出资金                     202,528       21,969       821.88       拆放金融机构款项增加
贵金属                        37,160       11,707       217.42       自营贵金属交易规模增加
以公允价值计量且其变动
                              47,304       32,841        44.04       交易性债券规模增加
计入当期损益的金融资产
衍生金融资产                   8,224         2,612      214.85       公允价值估值变化所致
买入返售金融资产             119,499      196,188       -39.09       买入返售票据资产规模减少
持有至到期投资               221,570      121,698        82.07       持有至到期投资债券规模增加
向中央银行借款                43,825       21,006       108.63       向央行获得融资
拆入资金                      39,604       63,098       -37.23       境外银行拆入款项规模减少
以公允价值计量且其变动
                               1,024           312      228.21       贵金属现货卖空头寸增加
计入当期损益的金融负债
衍生金融负债                   5,418         3,303       64.03       公允价值估值变化所致
                                                                     职工薪酬计提与发放存有时滞,期末计提
应付职工薪酬                   7,980         5,696       40.10
                                                                     尚未发放的职工薪酬增加
已发行债务证券               313,757      146,667       113.92       发行二级资本债券及同业存单规模增加
递延所得税负债                     6             -      不适用       子公司应纳税暂时性差异增加
其他负债                      24,468       18,734        30.61       暂收款项增加
其他权益工具                  29,920       14,960       100.00       发行优先股
                                                                     市场收益率波动,可供出售金融资产公允
其他综合收益                   3,350         1,255      166.93
                                                                     价值变动上升


           项目          2015 年 1-9 月 2014 年 1-9 月 增减(%)             报告期内变动的主要原因
手续费及佣金净收入             21,222        15,647          35.63   收入结构优化,手续费及佣金收入增加
投资损益                          498          -240      不适用      债券投资收益增加
                                                                     市场波动导致远期结售汇及掉期交易等
公允价值变动损益                3,000         1,463      105.06
                                                                     公允价值上升
汇兑损益                         -869           220     -495.00      市场汇率波动,汇兑损益为负
其他业务收入                    2,252         1,175          91.66   票据买卖价差收益增加
                                                                     贷款拨备计提增加,拨贷比进一步提高,
资产减值损失                   30,950        17,048          81.55
                                                                     风险抵补能力增强
其他业务成本                      511           266          92.11   票据买卖价差损失增加
营业外收入                        688           211      226.07      非流动资产处置收入增加
营业外支出                         59            86      -31.40      非流动资产处置支出减少




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2015 年第三季度报告




    4.2 重大事项进展情况及其影响和解决方案的分析说明
    4.2.1 为适应我国加快金融改革和国际化的发展趋势,提高公司服务客户融资多元化、综合
化需求的实力,根据上海市金融国资改革的总体安排,经第五届董事会第二十九次会议审议通过,
公司拟收购上海国际信托有限公司,通过向分立后的上海国际信托有限公司相关股东发行境内上
市人民币普通股(A 股)方式支付标的股权之对价。
    2015 年 7 月 1 日,公司召开 2015 年第一次临时股东大会,审议并通过了关于发行股份购买
资产暨关联交易方案等议案,确定了公司非公开发行境内上市人民币普通股(A 股)的具体发行
方案,本次交易标的资产为上海国际信托有限公司 97.33%的股权,交易价格为 16.36 元/股,合
计发行股份数量为 999,510,332 股,占发行后公司总股本的比例为 5.09%。
    2015 年 8 月 18 日,公司收到中国银监会出具的《中国银监会关于浦发银行收购上海国际信
托有限公司的批复》(银监复[2015]505 号)和《中国银监会关于浦发银行监管意见书的函》(银
监函[2015]263 号),同意公司向上海国际集团有限公司等 11 家企业发行股份,募集资金收购上
海国际信托有限公司 97.33%的股权。
    2015 年 10 月 23 日,公司发行股份购买资产暨关联交易事项经中国证监会上市公司并购重组
审核委员会审核无条件通过。
    4.2.2 经中国人民银行、中国银监会批准,公司在全国银行间债券市场发行二级资本债券人
民币 300 亿元,于 2015 年 9 月 9 日发行完毕。本期债券发行规模为人民币 300 亿元,债券品种为
10 年期固定利率债券,票面利率为 4.5%,在第 5 年末附有条件的发行人赎回权。


    4.3 公司、股东及实际控制人承诺事项履行情况
    公司股东中国移动通信集团广东有限公司(简称“广东移动”,持股占公司总股本 20%)承诺:
其参与认购公司 2010 年 10 月非公开发行股票的限售期为 36 个月;另根据中国银监会关于相关商
业银行主要股东资格审核的监管要求,广东移动的控股母公司中国移动有限公司于 2010 年 8 月 31
日在香港联交所公告如下对中国银监会的承诺:广东移动自本次非公开发行股份交割之日起 5 年
内不转让所持该公司股份(适用法律法规许可范围内,在广东移动关联机构之间的转让不受此限);
到期转让股份及受让方的股东资格应根据相关法律法规的规定取得监管部门的同意。2015 年 10
月 14 日,上述股权因限售期届满上市流通。
    2015 年 7 月 9 日公司收到合并持股第一大股东上海国际集团有限公司的通知,承诺为了促进
资本市场持续稳定健康发展,切实维护上市公司各类股东合法权益,在境内股票市场异常波动期
间,上海国际集团有限公司将积极履行出资人职责,承诺不减持所持有的公司股票。


    4.4 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大幅度变
动的警示及原因说明         □适用√不适用



                                                  法定代表人:吉晓辉


                                           董事会批准报送日期:2015 年 10 月 29 日




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       2015 年第三季度报告



                                        合并及公司资产负债表

                                             2015 年 9 月 30 日

编制单位:上海浦东发展银行股份有限公司                           单位:人民币百万元         审计类型:未经审计


                                           浦发银行集团                                  浦发银行
                                 2015 年 9 月 30 日 2014 年 12 月 31 日     2015 年 9 月 30 日 2014 年 12 月 31 日
             项目

                                         未经审计              经审计            未经审计               经审计
 资产
 现金及存放中央银行款项                   492,380           506,067                  489,215           501,944
 存放同业款项                             135,134           142,287                  127,651           139,886
 拆出资金                                 202,528            21,969                  204,742            22,979
 贵金属                                    37,160            11,707                   37,160            11,707
 以公允价值计量且其变动计入
   当期损益的金融资产                      47,304            32,841                 47,304              32,841
 衍生金融资产                               8,224             2,612                  8,224               2,612
 买入返售金融资产                         119,499           196,188                119,499             196,188
 应收利息                                  18,381            17,328                 18,107              16,933
 发放贷款和垫款                         2,113,767         1,974,614              2,095,355           1,956,388
 可供出售金融资产                         214,173           222,208                214,173             222,208
 持有至到期投资                           221,570           121,698                221,570             121,698
 应收款项类投资                         1,126,040           877,171              1,126,040             877,171
 长期股权投资                               1,602             1,475                  5,088               4,558
 固定资产                                  17,357            13,929                 12,501              12,521
 无形资产                                     802               858                    795                 850
 长期待摊费用                               1,403             1,635                  1,322               1,553
 递延所得税资产                            13,778            10,692                 13,643              10,576
 其他资产                                  51,527            40,645                 20,086              12,306
 资产总额                               4,822,629         4,195,924              4,762,475           4,144,919


 负债
 向中央银行借款                            43,825            21,006                   43,000            20,000
 同业及其他金融机构存放款项               979,046           761,531                  979,652           765,729
 拆入资金                                  39,604            63,098                   13,917            42,065
 以公允价值计量且其变动计入
   当期损益的金融负债                       1,024               312                  1,024                 312
 衍生金融负债                               5,418             3,303                  5,418               3,303
 卖出回购金融资产款                        51,583            68,240                 51,073              67,409
 吸收存款                               3,001,090         2,793,224              2,976,831           2,769,577
 应付职工薪酬                               7,980             5,696                  7,866               5,517
 应交税费                                  13,014            12,066                 12,863              11,971
 应付利息                                  38,182            38,750                 37,875              38,462
 应付股利                                      12                12                     12                  12
 已发行债务证券                           313,757           146,667                313,757             146,667
 递延所得税负债                                 6                 -                      -                   -
 其他负债                                  24,468            18,734                 20,175              14,645
 负债总额                               4,519,009         3,932,639              4,463,463           3,885,669



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      2015 年第三季度报告




股东权益
  股本                               18,653       18,653            18,653          18,653
  其他权益工具                       29,920       14,960            29,920          14,960
  其中:优先股                       29,920       14,960            29,920          14,960
  资本公积                           60,639       60,639            60,589          60,589
  其他综合收益                        3,350        1,255             3,343           1,255
  盈余公积                           63,651       49,647            63,651          49,647
  一般风险准备                       45,925       36,858            45,600          36,700
  未分配利润                         78,127       78,157            77,256          77,446
归属于母公司股东权益合计            300,265      260,169           299,012         259,250
少数股东权益                          3,355        3,116                 -               -
股东权益合计                        303,620      263,285           299,012         259,250

负债及股东权益合计                4,822,629     4,195,924         4,762,475       4,144,919


财务报表由以下人士签署:


董事长: 吉晓辉         行长: 刘信义         财务总监: 潘卫东          会计机构负责人:林道峰




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       2015 年第三季度报告




                                        合并及公司利润表

                                            2015 年 1-9 月

编制单位:上海浦东发展银行股份有限公司                         单位:人民币百万元        审计类型:未经审计


                                                浦发银行集团                                浦发银行
                                        2015 年 1-9 月   2014 年 1-9 月        2015 年 1-9 月   2014 年 1-9 月


 一、营业收入                               108,632               89,773           107,170             88,469
   利息收入                                 170,532             155,929            167,912           153,644
   利息支出                                 (88,003)            (84,421)           (86,872)          (83,369)
 利息净收入                                   82,529              71,508             81,040            70,275

   手续费及佣金收入                           22,274              16,284             22,033            16,138
   手续费及佣金支出                           (1,052)              (637)             (1,011)            (623)
 手续费及佣金净收入                           21,222              15,647             21,022            15,515

 投资损益                                        498               (240)                582             (178)
 其中:对联营企业和合营企业的投资收益            139                 138                139               138
 公允价值变动损益                              3,000               1,463              3,000             1,463
 汇兑损益                                      (869)                 220              (725)               220
 其他业务收入                                  2,252               1,175              2,251             1,174

 二、营业支出                               (60,271)            (44,039)           (59,547)          (43,467)
 营业税金及附加                              (6,701)             (6,060)            (6,628)           (6,002)
 业务及管理费                               (22,109)            (20,665)           (21,718)          (20,410)
 资产减值损失                               (30,950)            (17,048)           (30,691)          (16,789)
 其他业务成本                                  (511)               (266)              (510)             (266)

 三、营业利润                                 48,361              45,734             47,623            45,002
 加:营业外收入                                  688                 211                508               108
 减:营业外支出                                  (59)                (86)               (56)              (85)

 四、利润总额                                 48,990              45,859             48,075            45,025
 减:所得税费用                             (11,515)            (10,692)           (11,240)          (10,486)

 五、净利润                                   37,475              35,167             36,835            34,539
   归属于母公司股东的净利润                   37,162              34,799
   少数股东损益                                  313                 368

 六、每股收益
   基本及稀释每股收益(人民币元)                1.992               1.866




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      2015 年第三季度报告




七、其他综合收益的税后净额           2,095          4,473    2,088     4,473


    归属于母公司股东的其他综合收
益的税后净额                         2,095          4,473    2,088     4,473
    以后将重分类进损益的其他综合
收益                                 2,095          4,473    2,088     4,473
    -权益法下在被投资方以后将重分
类进损益的其他综合收益中享有的份
额                                      (9)            37       (9)       37
    -可供出售金融资产公允价值变动    2,091          4,436    2,091     4,436
    -外币报表折算差额                   13              -         6        -

八、综合收益总额                    39,570         39,640   38,923    39,012
  归属于母公司股东的综合收益        39,257         39,272
  归属于少数股东的综合收益             313            368




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       2015 年第三季度报告




                                        合并及公司利润表

                                            2015 年 7-9 月

编制单位:上海浦东发展银行股份有限公司                         单位:人民币百万元        审计类型:未经审计


                                                浦发银行集团                                浦发银行
                                        2015 年 7-9 月   2014 年 7-9 月        2015 年 7-9 月   2014 年 7-9 月


 一、营业收入                                 37,931              30,730             37,490            30,233
   利息收入                                   58,118              53,279             57,195            52,414
   利息支出                                 (28,529)            (28,269)           (28,152)          (27,846)
 利息净收入                                   29,589              25,010             29,043            24,568

   手续费及佣金收入                            6,969               5,478              6,876             5,423
   手续费及佣金支出                            (440)               (232)              (426)             (230)
 手续费及佣金净收入                            6,529               5,246              6,450             5,193

 投资损益                                      (191)                 384              (155)               384
 其中:对联营企业和合营企业的投资收益             48                 103                 48               103
 公允价值变动损益                              1,565               (574)              1,565             (574)
 汇兑损益                                      (403)                 239              (255)               239
 其他业务收入                                    842                 425                842               423

 二、营业支出                               (20,781)            (14,753)           (20,522)          (14,515)
 营业税金及附加                              (2,208)             (2,107)            (2,181)           (2,083)
 业务及管理费                                (7,817)             (7,228)            (7,666)           (7,135)
 资产减值损失                               (10,658)             (5,342)           (10,578)           (5,221)
 其他业务成本                                   (98)                (76)               (97)              (76)

 三、营业利润                                 17,150              15,977             16,968            15,718
 加:营业外收入                                  329                   77               222                 44
 减:营业外支出                                  (15)                (24)               (12)              (25)

 四、利润总额                                 17,464             16,030              17,178           15,737
 减:所得税费用                               (4,115)            (3,730)             (3,998)          (3,660)

 五、净利润                                   13,349              12,300             13,180            12,077
   归属于母公司股东的净利润                   13,259              12,143
   少数股东损益                                   90                 157

 六、每股收益
   基本及稀释每股收益(人民币元)                0.711               0.651




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      2015 年第三季度报告




七、其他综合收益的税后净额           1,310           881     1,300      881


    归属于母公司股东的其他综合收
益的税后净额                         1,310           881     1,300      881
    以后将重分类进损益的其他综合
收益                                 1,310           881     1,300      881
    -权益法下在被投资方以后将重分
类进损益的其他综合收益中享有的份
额                                      (3)            -        (3)       -
    -可供出售金融资产公允价值变动    1,298           881     1,298      881
    -外币报表折算差额                   15             -          5       -

八、综合收益总额                    14,659         13,181   14,480    12,958
  归属于母公司股东的综合收益        14,569         13,024
  归属于少数股东的综合收益              90            157




                                              13
       2015 年第三季度报告



                                        合并及公司现金流量表

                                            2015 年 1—9 月

编制单位:上海浦东发展银行股份有限公司                         单位:人民币百万元         审计类型:未经审计


                                                    浦发银行集团                             浦发银行
                   项目                      2015 年 1-9 月    2014 年 1-9 月      2015 年 1-9 月   2014 年 1-9 月


 一、经营活动产生的现金流量
 客户存款和同业存放款项净增加额                   425,381           216,207             421,177          212,791
 向中央银行借款净增加额                            22,819               230              23,000                -
 同业拆借资金净增加额                              32,392            40,177              29,069           32,294
 存放中央银行和同业款项净减少额                    14,071                 -              13,535                -
 收到的利息                                       115,254           118,141             112,513          115,432
 收取的手续费及佣金                                22,219            16,512              22,033           16,082
 收到其他与经营活动有关的现金                       5,645            25,769               5,352           23,735
 经营活动现金流入小计                             637,781           417,036             626,679          400,334

 客户贷款及垫款净增加额                         (168,525)         (210,697)           (168,157)         (208,806)
 存放中央银行和同业款项净增加额                         -          (28,485)                   -          (31,735)
 支付的以公允价值计量且其变动计入当期
   损益的金融资产款项                            (13,984)             (965)            (13,984)             (965)
 支付的利息                                      (87,084)          (75,185)            (85,973)          (74,277)
 支付的手续费及佣金                               (1,053)             (637)             (1,011)             (623)
 支付给职工以及为职工支付的现金                  (11,176)          (10,316)            (11,111)          (10,152)
 支付的各项税费                                  (21,204)          (20,516)            (20,899)          (20,254)
 应收融资租赁款净增加额                           (3,435)           (5,438)                   -                 -
 支付其他与经营活动有关的现金                    (36,677)          (14,728)            (36,667)          (10,419)
 经营活动现金流出小计                           (343,138)         (366,967)           (337,802)         (357,231)

 经营活动产生的现金流量净额                       294,643            50,069             288,877           43,103

 二、投资活动产生的现金流量

 收回投资收到的现金                            1,227,490            527,815          1,227,490           527,815
 取得投资收益收到的现金                           54,328             41,062             54,412            41,124
 收到其他与投资活动有关的现金                        191                 15                185                14
 投资活动现金流入小计                          1,282,009            568,892          1,282,087           568,953

 投资支付的现金                               (1,565,991)         (736,273)         (1,566,394)         (736,273)
 购建固定资产、无形资产和其他长期资产支
   付的现金                                       (9,670)           (2,833)             (6,091)           (1,782)
 投资活动现金流出小计                         (1,575,661)         (739,106)         (1,572,485)         (738,055)

 投资活动支付的现金流量净额                     (293,652)         (170,214)           (290,398)         (169,102)




                                                        14
      2015 年第三季度报告


三、筹资活动产生的现金流量

发行优先股收到的现金                     14,960           -      14,960           -
发行债券及同业存单收到的现金            339,331      49,602     339,331      49,602
筹资活动现金流入小计                    354,291      49,602     354,291      49,602

偿还债务及同业存单支付的现金           (172,240)    (16,162)   (172,240)    (16,162)
分配股利和偿付利息支付的现金            (15,499)    (14,171)    (15,426)    (14,113)
筹资活动现金流出小计                   (187,739)    (30,333)   (187,666)    (30,275)

筹资活动产生的现金流量净额              166,552      19,269     166,625      19,327

四、汇率变动对现金及现金等价物的影响      2,102         514       2,095         514

五、现金及现金等价物净增加/(减少)额     169,645    (100,362)    167,199    (106,158)

加:期初现金及现金等价物余额            188,784     266,116     184,861     264,540

六、期末现金及现金等价物余额            358,429     165,754     352,060     158,382




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