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浦发银行(600000)公告正文

浦发银行:2016年第三季度报告

公告日期 2016-10-29
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
                          2016 年第三季度报告

       一、重要提示
       1、公司董事会、监事会及董事、监事、高级管理人员保证本季度报告内容的真实、准
确、完整,不存在虚假记载、误导性陈述或者重大遗漏,并承担个别和连带的法律责任。
       2、公司于 2016 年 10 月 28 日以通讯表决方式召开第六届董事会第十一次会议,审议通
过本季度报告,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
季度报告中财务报表的真实、准确、完整。
       4、公司第三季度财务报告未经审计。


       二、公司基本情况
       1、主要财务数据
                                                                             单位:人民币百万元
                                                                                本报告期末比
                                            本报告期末        上年度末
                                                                               上年度末增减(%)
总资产                                        5,564,282        5,044,352                10.31
归属于母公司股东的净资产                        359,811          315,170                14.16
归属于母公司普通股股东的净资产                  329,891          285,250                15.65
归属于母公司普通股股东的每股净资产(元)           15.260           13.902                 9.77
期末普通股总股本(百万股)                       21,618           18,653                15.90
                                          年初至报告期末   上年初至上年报       比上年同期增减
                                             (1-9 月)     告期末(1-9 月)            (%)
经营活动产生的现金流量净额                     -149,795          294,643              -150.84
每股经营活动产生的现金流量净额(元)               -6.929           14.360              -148.25
营业收入                                        120,928          108,632                11.32
归属于母公司股东的净利润                         40,682           37,162                 9.47
归属于母公司股东的扣除非经常性损益的净
                                                 39,711           36,402                 9.09
利润

加权平均净资产收益率(%)                                                        下降 1.51 个百分
                                                  12.86            14.37
                                                                                             点
基本每股收益(元/股)                               1.873            1.811                 3.42
稀释每股收益(元/股)                               1.873            1.811                 3.42
扣除非经常性损益后的加权平均净资产收益                                         下降 1.53 个百分
                                                  12.55            14.08
率(%)                                                                                        点
扣除非经常性损益后的基本每股收益(元/股)           1.827            1.774                 2.99
注:(1)2016年3月18日,公司通过发行股份购买资产方式向上海国际集团有限公司等11名交易对方共发
 行人民币普通股999,510,332股(限售期12个月),本次交易标的资产为上海信托97.33%的股权。交易完
     2016 年第三季度报告


 成后,公司普通股总股本为19,652,981,747股。
      (2)2016年6月23日,公司实施2015年度利润分配及资本公积转增股本方案。其中,以2016年3月18
日变更后的普通股总股本19,652,981,747股为基数,以资本公积按普通股每10股转增1股,合计转增
1,965,298,175股。资本公积转增股本实施后,公司普通股总股本为21,618,279,922股。
      (3)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。报告期每股收益按照发行在外的普通股加权平
均数21,285,109,811股计算得出。
      (4)报告期每股经营活动产生的现金流量净额、归属于母公司普通股股东的每股净资产,按公司报
告期末总股本21,618,279,922股摊薄计算。比较期的每股收益、每股净资产、每股经营活动产生的现金流
量净额均按调整后的股数20,518,818,557股重新计算。
      (5)根据2016年2月4日的董事会决议,公司对浦发优2发放股息,共计人民币8.25亿元。在计算本报
告披露的基本每股收益及加权平均净资产收益率时,公司考虑了浦发优2优先股股息的发放影响。
      (6)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。


      2、非经常性损益项目和金额
                                                                                  单位:人民币百万元
项      目                                 本期金额(7-9 月)        年初至报告期末金额(1-9 月)
非流动资产处置损益                                            -                                    -1
收回以前年度核销贷款的收益                                  460                                 1,157
其他营业外净收入                                             94                                  178
非经常性损益的所得税影响数                               -138                                    -334
合      计                                                  416                                 1,000
其中:归属于母公司股东的非经常性损益                        404                                  971
        归属于少数股东的非经常性损益                         12                                    29




      三、普通股及优先股股东情况
      1、截止报告期末的普通股股东总数、前十名股东、前十名无限售条件股东持股情况
                                                                                            单位:股
             股东总数(户)                                         162,071
                                       前十名股东持股情况
                                                                     持有有限售      质押或冻结情况
                                                            比例
             股东名称(全称)            期末持股数量                条件股份数
                                                            (%)                     股份状态     数量
                                                                         量
上海国际集团有限公司                     4,222,553,311      19.53    749,288,002            -           -
中国移动通信集团广东有限公司             4,103,763,711      18.98             -             -           -
富德生命人寿保险股份有限公司-传统       2,138,028,672       9.89             -             -           -
富德生命人寿保险股份有限公司-资本金     1,356,332,558       6.27             -             -           -
上海上国投资产管理有限公司               1,073,516,173       4.97             -             -           -
富德生命人寿保险股份有限公司-万能 H       977,252,806       4.52             -             -           -
梧桐树投资平台有限责任公司                 681,639,492       3.15             -             -           -
中国证券金融股份有限公司                   576,849,086       2.67             -             -           -
上海国鑫投资发展有限公司                   414,812,199       1.92             -             -           -
中央汇金资产管理有限责任公司               306,554,930       1.42             -             -           -




                                               2
     2016 年第三季度报告


                                     前十名无限售条件股东持股情况

                                           持有无限售条件流通                股份种类及数量
             股东名称(全称)
                                                股的数量                  种类              数量
中国移动通信集团广东有限公司                   4,103,763,711          人民币普通股      4,103,763,711
上海国际集团有限公司                           3,473,265,309          人民币普通股      3,473,265,309
富德生命人寿保险股份有限公司-传统             2,138,028,672          人民币普通股      2,138,028,672
富德生命人寿保险股份有限公司-资本金           1,356,332,558          人民币普通股      1,356,332,558
上海上国投资产管理有限公司                     1,073,516,173          人民币普通股      1,073,516,173
富德生命人寿保险股份有限公司-万能 H             977,252,806          人民币普通股        977,252,806
梧桐树投资平台有限责任公司                       681,639,492          人民币普通股        681,639,492
中国证券金融股份有限公司                         576,849,086          人民币普通股        576,849,086
上海国鑫投资发展有限公司                         414,812,199          人民币普通股        414,812,199
中央汇金资产管理有限责任公司                     306,554,930          人民币普通股        306,554,930
                                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
上述股东关联关系或一致行动      资发展有限公司的控股公司。
关系的说明                      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-资本金、富德生命人寿保险股份有限公司-万能 H 为同一法人。
表决权恢复的优先股股东及持
                                无
股数量的说明


      2、截止报告期末的优先股股东总数、前十名优先股股东、前十名无限售条件优先股股
东持股情况表
      (1)浦发优1
                                                                                              单位:股
              优先股股东总数(户)                                          32
                     前十名优先股股东(前十名无限售条件优先股股东)持股情况
                    股东名称                          期末持股数量        比例(%)       所持股份类别
交银施罗德资管                                           11,540,000              7.69    人民币优先股
中国平安财产保险股份有限公司-传统                       11,470,000              7.65    人民币优先股
中国平安人寿保险股份有限公司-分红                       11,470,000              7.65    人民币优先股
中国平安人寿保险股份有限公司-万能                       11,470,000              7.65    人民币优先股
永赢基金                                                 11,470,000              7.65    人民币优先股
华宝信托有限责任公司-投资 2 号资金信托                  11,470,000              7.65    人民币优先股
易方达基金                                               11,470,000              7.65    人民币优先股
交银国信金盛添利 1 号单一资金信托                         9,180,000              6.12    人民币优先股
北京天地方中资产                                          8,410,000              5.61    人民币优先股
中海信托股份有限公司                                      7,645,500              5.10    人民币优先股
前十名优先股股东之间,上述股东与前十名普通        本期优先股股东中国平安财产保险股份有限公司-传
股股东之间存在关联关系或属于一致行动人的说        统、中国平安人寿保险股份有限公司-分红、中国平
明                                                安人寿保险股份有限公司-万能为一致行动人。
注:截止报告期末,无股份质押或冻结情况。




                                                  3
     2016 年第三季度报告


       (2)浦发优2
                                                                                              单位:股
              优先股股东总数(户)                                        14
                      前十名优先股股东(前十名无限售条件优先股股东)持股情况
                    股东名称                          期末持股数量      比例(%)        所持股份类别
中国人民财产保险股份有限公司-传统                       34,880,000        23.25        人民币优先股
中国平安人寿保险股份有限公司-分红                       20,360,000        13.57        人民币优先股
中国平安人寿保险股份有限公司-万能                       19,500,000        13.00        人民币优先股
中国平安人寿保险股份有限公司-自有资金                   19,500,000        13.00        人民币优先股
永赢基金                                                 10,460,000         6.97        人民币优先股
中国银行股份有限公司上海市分行(中银平稳上
                                                         10,460,000         6.97        人民币优先股
海定向资管计划)
交银施罗德资管                                            6,970,000         4.65        人民币优先股
中海信托股份有限公司                                      6,970,000         4.65        人民币优先股
兴全睿众资产                                              6,970,000         4.65        人民币优先股
华商基金                                                  5,580,000         3.72        人民币优先股
前十名优先股股东之间,上述股东与前十名普通        本期优先股股东中国平安人寿保险股份有限公司-分
股股东之间存在关联关系或属于一致行动人的说        红、中国平安人寿保险股份有限公司-万能、中国平
明                                                安人寿保险股份有限公司-自有资金为一致行动人。
注:截止报告期末,无股份质押或冻结情况。


       四、重要事项
       1、公司主要会计报表项目大幅度变动的情况及原因
                                                                                    单位:人民币百万元
项       目                2016-9-30 2015-12-31    增减(%)     报告期内变动的主要原因
拆出资金                    196,836     137,806        42.84   拆放非银行金融机构款项增加
贵金属                         11,414    28,724       -60.26   代客贵金属交易规模下降
以公允价值计量且其变动                                         指定为其他交易性资产及交易性同业存单
                            170,053      63,746       166.77
计入当期损益的金融资产                                         规模增加
衍生金融资产                   17,838    10,610        68.12   公允价值估值变化所致
买入返售金融资产                 765    110,218       -99.31   买入返售票据规模减少
持有至到期投资              328,269     239,703        36.95   持有至到期国债及政策性银行债规模增加
                                                               收购上海信托增加相应信托业务特许经营
无形资产                       3,552       879        304.10
                                                               权、合同权益以及品牌价值
商誉                           6,981         -        不适用   收购上海信托形成商誉
递延所得税资产                 19,240    14,427        33.36   可抵扣暂时性差异增加
                                                               应收融资租赁款及待划转结算和暂付款项
其他资产                       67,927    51,648        31.52
                                                               增加
向中央银行借款                 60,143    23,645       154.36   向央行融资规模增加
拆入资金                       55,885    99,589       -43.88   境内银行拆入款项规模下降
以公允价值计量且其变动         32,836      210    15,536.19    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                   16,490    7,319        125.30   公允价值估值变化所致
                                                               职工薪酬计提与发放存有时滞,期末计提尚
应付职工薪酬                   9,112     5,684         60.31
                                                               未发放的职工薪酬增加
应付股利                         207        12     1,625.00    子公司应付少数股东股利增加




                                                  4
     2016 年第三季度报告


已发行债务证券             666,311   399,906            66.62   发行绿色金融债及发行同业存单规模增加
                                                                收购上海信托,资产评估增值导致递延所得
递延所得税负债                 767            7   10,857.14
                                                                税负债增加
其他负债                    35,873    22,067            62.56   待划转结算和暂收款项增加
一般风险准备                65,500    45,924            42.63   提取一般风险准备
少数股东权益                 4,795     3,430            39.80   收购上海信托导致少数股东权益增加


                                                                                   单位:人民币百万元
                           2016 年   2015 年
项     目                                          增减(%)      报告期内变动的主要原因
                           1-9 月    1-9 月
手续费及佣金净收入          31,140    21,222           46.73    收入结构优化,手续费及佣金收入增加
投资损益                     4,202       498           743.78   债券投资收益增加
公允价值变动损益             1,153     3,000           -61.57   市场波动导致衍生工具公允价值下降
汇兑损益                       449      -869           不适用   市场汇率波动,汇兑损益增加
营业税金及附加               3,898     6,701           -41.83   营改增原因
其他业务成本                   182       511           -64.38   票据买卖价差损失减少
营业外收入                     226       688           -67.15   抵债资产和非流动资产处置收入减少
                                                                计入其他综合收益的可供出售金融资产的
其他综合收益的税后净额      -2,099     2,095          -200.19
                                                                公允价值下降
经营活动(支付)/产生的 -149,795       294,643          -150.84   客户贷款及垫款支付的现金增加
现金流量净额


      2、重要事项进展情况及其影响和解决方案的分析说明
      (1)为适应银行业日趋严格的资本监管要求,建设具有核心竞争优势的金融服务企业,
增强公司风险抵御能力,公司第五届董事会第五十三次会议于 2016 年 3 月 10 日审议通过了
非公开发行普通股股票的方案。本次发行采用向特定对象非公开发行的方式,限售期 36 个
月,发行对象为上海国际集团有限公司及其子公司上海国鑫投资发展有限公司,认购金额分
别为 100.03 亿元、48.27 亿元。本次发行的募集资金扣除发行费用后将全部用于补充公司
的核心一级资本,提高核心一级资本充足率。根据公司 2015 年度股东大会决议,公司已向
监管机构提出申请。截至报告期末,该等事项尚待获得监管机构的核准。
      (2)2015 年底,公司相继获得中国人民银行和中国银监会关于同意公司发行绿色金融
债券的批文,获准在全国银行间债券市场公开发行不超过 500 亿元的绿色金融债券,募集资
金专项用于绿色产业项目贷款。2016 年 7 月 14 日,公司顺利完成了第三期绿色金融债券的
发行。发行规模为 150 亿元,债券期限 5 年,票面利率为 3.40%,募集资金于 7 月 18 日到
账。至此,公司 500 亿元绿色金融债券额度已全部发行完毕。


      3、公司、股东及实际控制人承诺事项履行情况
      2016 年 3 月 18 日,公司向上海国际集团有限公司等 11 名交易对方发行股份,购买其
合计持有的上海信托股权。包括上海国际集团有限公司在内的 11 名交易对方承诺:(1)通
过本次交易而认购的公司股票,自股份发行结束并上市之日起 12 个月内不得转让。(2)规
范关联交易:本次交易完成后,严格遵守相关法律、法规、规范性文件及《公司章程》的有
关规定,将尽可能地减少与公司的关联交易。对有合理原因而发生的关联交易,将在平等自
愿的基础上遵循市场公正、公平、公开的原则,履行合法程序,不损害公司及其他股东的合




                                                  5
     2016 年第三季度报告


法权益。(3)在人员、资产、财务、机构、业务方面与公司完全分开,双方的人员、资产、
财务、机构、业务独立,不存在混同情况。


       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


       五、银行业务数据
       1、补充财务数据
                                                                              单位:人民币百万元
项      目                                     2016 年 9 月 30 日           2015 年 12 月 31 日
资产总额                                                 5,564,282                  5,044,352
负债总额                                                 5,199,676                  4,725,752
存款总额                                                 2,993,443                  2,954,149
其中:企业活期存款                                       1,124,395                     956,336
        企业定期存款                                     1,076,295                  1,144,900
        储蓄活期存款                                        155,805                    129,912
        储蓄定期存款                                        326,045                    372,036
贷款总额                                                 2,570,186                  2,245,518
其中:正常贷款                                           2,525,896                  2,210,464
        不良贷款                                             44,290                     35,054
拆入资金                                                     55,885                     99,589
贷款减值准备                                                 88,644                     74,105
不良贷款率(%)                                                  1.72                       1.56
贷款减值准备对不良贷款比率(%)                                200.14                     211.40
贷款减值准备对贷款总额比率(%)                                  3.45                       3.30
                                                      2016 年 1-9 月            2015 年 1-9 月
平均总资产收益率(%)                                            0.78                       0.83
全面摊薄净资产收益率(%)                                       12.08                      13.75
注:(1)平均总资产收益率、加权平均净资产收益率、全面摊薄净资产收益率财务指标未经年化处理。
      (2)全面摊薄净资产收益率=报告期归属于母公司普通股股东的净利润/期末归属于母公司普通股股东
的净资产。


       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
                                         2016 年 9 月 30 日               2015 年 12 月 31 日
 项      目
                                     母公司口径             集团口径   母公司口径       集团口径
 资本总额                               451,245              458,132     408,996         414,306
      1、核心一级资本                   327,442              332,726     284,578         288,760
      2、其他一级资本                    29,920               30,099       29,920          30,018
      3、二级资本                        93,883               95,307       94,498          95,528
 资本扣除项                              21,029               10,185       4,053                565
      1、核心一级资本扣减项              21,029               10,185       4,053                565




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     2016 年第三季度报告


     2、其他一级资本扣减项                          -                    -                       -                   -
     3、二级资本扣减项                              -                    -                       -                   -
 资本净额                                  430,216                  447,947              404,943              413,741
 最低资本要求(%)                              8.00                     8.00                    8.00                8.00
 储备资本和逆周期资本要求(%)                  2.50                     2.50                    2.50                2.50
 附加资本要求                                       -                    -                       -                   -
 信用风险加权资产                        3,298,594             3,373,962                3,035,671         3,089,433
 市场风险加权资产                           34,323                   36,272                34,968               35,257
 操作风险加权资产                          239,376                  249,797              239,376              243,144
 风险加权资产合计                        3,572,293             3,660,031                3,310,015         3,367,834
 核心一级资本充足率(%)                        8.58                     8.81                    8.48                8.56
 一级资本充足率(%)                            9.42                     9.63                    9.38                9.45
 资本充足率(%)                               12.04                   12.24                 12.23                12.29
注:(1)以上为根据中国银监会《商业银行资本管理办法(试行)》计量的母公司和集团口径资本充足率
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)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231.6亿元。


      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,对杠杆率指标进行了
计量。报告期末,母公司杠杆率为5.38%,较2015年末上升0.14个百分点。报告期末,集团
杠杆率为5.56%,较2015年末上升0.25个百分点。
                                                                                                单位:人民币百万元
                                           2016 年 9 月 30 日                             2015 年 12 月 31 日
项       目
                                    母公司口径                 集团口径            母公司口径              集团口径
一级资本净额                             336,333                   352,640               310,445              318,213
调整后的表内外资产余额                  6,250,674             6,340,381             5,920,689             5,988,358
杠杆率(%)                                  5.38                     5.56                  5.24                 5.31


      4、流动性覆盖率信息
                                                                                                单位:人民币百万元
本集团                                                                                   2016 年 9 月 30 日
合格优质流动性资产                                                                               369,054.33
现金净流出量                                                                                     478,447.72
流动性覆盖率(%)                                                                                      77.14%


      5、其他监管财务指标
                                          2016 年 9 月 30 日                  2015 年                    2014 年
项      目(%)                标准值
                                           期末             平均       年末         平均           年末          平均
资本充足率                      ≥9.7       12.04           12.03       12.23        11.69            11.25        10.94
一级资本充足率                  ≥7.7        9.42            9.33        9.38           9.29           9.05         8.64
核心一级资本充足率              ≥6.7        8.58            8.47        8.48           8.41           8.52         8.54



                                                        7
     2016 年第三季度报告


                  人民币       ≥25       33.78       35.05    34.06        34.95     30.68     34.87
资产流动性比率
                  本外币合计   ≥25       33.63       34.56    33.50        35.91     32.93     36.03
                  拆入资金比   ≤4         0.65       1.83      2.42         1.84      1.56      1.66
拆借资金比例
                  拆出资金比   ≤8         6.56       5.03      4.59         3.05      1.13      1.44
单一最大客户贷款比例           ≤10        1.42        1.41     1.43         1.58      1.54      1.77
最大十家客户贷款比例           ≤50       10.72       11.01    10.87        11.31     11.69     12.22
注:(1)本表中本报告期资本充足率、流动性比率、拆借资金比例、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(含境外分行)。
     (2)按照《中国银监会关于实施<商业银行资本管理办法(试行)>过渡期安排相关事项的通知》过渡
期内对2016年底资本充足率的要求,资本充足率为9.7%,一级资本充足率为7.7%,核心一级资本充足率为
6.7%。


      6、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(%)            与上年末相比增减(%)
正常类                               2,416,850                   94.04                         12.63
关注类                                 109,046                       4.24                      68.62
次级类                                  17,819                       0.69                     -10.11
可疑类                                  15,682                       0.61                      64.35
损失类                                  10,789                       0.42                      89.65
合       计                          2,570,186                  100.00                         14.46




                                                              法定代表人: 吉晓辉



                                                 董事会批准报送日期:二〇一六年十月二十八日




                                                  8
          2016 年第三季度报告



                                  合并及公司资产负债表

                                          2016 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
                            2016 年 9 月 30 日 2015 年 12 月 31 日 2016 年 9 月 30 日 2015 年 12 月 31 日
                                     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                  464,525                481,157           461,143              477,644
存放同业款项                            135,901                111,388           129,284              108,334
拆出资金                                196,836                137,806           196,359              137,806
贵金属                                   11,414                 28,724            11,414               28,724
以公允价值计量且其变
  动计入当期损益的金
  融资产                              170,053                 63,746              168,252              63,746
衍生金融资产                           17,838                 10,610               17,838              10,610
买入返售金融资产                          765                110,218                  765             110,218
应收利息                               19,918                 20,437               19,394              20,021
发放贷款和垫款                      2,481,542              2,171,413            2,463,575           2,153,210
可供出售金融资产                      285,622                254,846              280,014             254,516
持有至到期投资                        328,269                239,703              328,269             239,703
应收款项类投资                      1,329,659              1,325,032            1,321,692           1,325,032
长期股权投资                            1,775                  1,599               22,253               5,085
固定资产                               20,977                 19,062               13,347              13,249
无形资产                                3,552                    879                  881                 869
商誉                                    6,981                      -                    -                   -
长期待摊费用                            1,488                  1,657                1,401               1,570
递延所得税资产                         19,240                 14,427               18,945              14,212
其他资产                               67,927                 51,648               25,145              19,969
资产总额                            5,564,282              5,044,352            5,479,971           4,984,518




                                                      9
           2016 年第三季度报告




                                         浦发银行集团                              浦发银行
                            2016 年 9 月 30 日   2015 年 12 月 31 日 2016 年 9 月 30 日 2015 年 12 月 31 日
                                     未经审计                 经审计          未经审计             经审计

负债
向中央银行借款                        60,143                23,645              59,500              23,000
同业及其他金融机构存放
  款项                              1,153,247            1,042,948           1,159,519           1,048,583
拆入资金                               55,885               99,589              19,192              70,975
以公允价值计量且其变
  动计入当期损益的金
  融负债                               32,836                  210              29,821                 210
衍生金融负债                           16,490                7,319              16,490               7,319
卖出回购金融资产款                    126,423              119,205             126,174             118,699
吸收存款                            2,993,443            2,954,149           2,960,020           2,928,463
应付职工薪酬                            9,112                5,684               8,435               5,461
应交税费                               15,660               14,776              15,334              14,686
应付利息                               33,279               36,235              32,727              35,911
应付股利                                  207                   12                  12                  12
已发行债务证券                        666,311              399,906             666,212             399,906
递延所得税负债                            767                    7                   -                   -
其他负债                               35,873               22,067              29,160              17,531
负债总额                            5,199,676            4,725,752           5,122,596           4,670,756

股东权益
股本                                  21,618                18,653             21,618               18,653
其他权益工具                          29,920                29,920             29,920               29,920
  其中:优先股                        29,920                29,920             29,920               29,920
资本公积                              74,678                60,639             74,628               60,589
其他综合收益                           3,614                 5,713              3,593                5,701
盈余公积                              78,689                63,651             78,689               63,651
一般风险准备                          65,500                45,924             65,045               45,600
未分配利润                            85,792                90,670             83,882               89,648
归属于母公司股东权益
  合计                               359,811               315,170            357,375             313,762
少数股东权益                           4,795                 3,430                  -                   -
股东权益合计                         364,606               318,600            357,375             313,762

负债及股东权益合计                  5,564,282            5,044,352           5,479,971           4,984,518


 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




                                                   10
           2016 年第三季度报告




                                        合并及公司利润表

                                            2016 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
                                         2016 年 1-9 月        2015 年 1-9 月         2016 年 1-9 月   2015 年 1-9 月


一、营业收入                                 120,928                108,632               117,210           107,170
  利息收入                                   161,298                170,532               158,385           167,912
  利息支出                                   (79,448)               (88,003)              (78,236)          (86,872)
利息净收入                                     81,850                 82,529                80,149            81,040

  手续费及佣金收入                             32,652                22,274                 30,674           22,033
  手续费及佣金支出                             (1,512)               (1,052)                (1,508)          (1,011)
手续费及佣金净收入                             31,140                21,222                 29,166           21,022

投资损益                                        4,202                    498                 4,189               582
    其中:对联营企业和合营企业
        的投资收益                                140                    139                   140               139
公允价值变动损益                                1,153                  3,000                 1,139             3,000
汇兑损益                                          449                  (869)                   446             (725)
其他业务收入                                    2,134                  2,252                 2,121             2,251

二、营业支出                                 (67,416)               (60,271)              (65,566)          (59,547)
营业税金及附加                                (3,898)                (6,701)               (3,821)           (6,628)
业务及管理费                                 (25,851)               (22,109)              (24,352)          (21,718)
资产减值损失                                 (37,485)               (30,950)              (37,208)          (30,691)
其他业务成本                                    (182)                  (511)                 (185)             (510)

三、营业利润                                   53,512                48,361                 51,644            47,623
加:营业外收入                                    226                   688                    134               508
减:营业外支出                                    (49)                  (59)                   (48)              (56)

四、利润总额                                   53,689                 48,990                51,730            48,075
减:所得税费用                               (12,551)               (11,515)              (12,068)          (11,240)

五、净利润                                     41,138                37,475                 39,662            36,835
  归属于母公司股东的净利润                     40,682                37,162
  少数股东损益                                    456                   313

六、每股收益
  基本及稀释每股收益(人民币元)                  1.873                  1.811




                                                          11
          2016 年第三季度报告




七、其他综合收益的税后净额          (2,099)         2,095    (2,108)    2,088


归属于母公司股东的其他综合收益的
    税后净额                        (2,099)         2,095    (2,108)    2,088

以后将重分类进损益的其他综合收益    (2,099)         2,095    (2,108)    2,088
    -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)            (9)       (3)       (9)
    -可供出售金融资产公允价值变动   (2,146)         2,091    (2,132)    2,091
    -外币财务报表折算差异                50            13         27         6

八、综合收益总额                    39,039         39,570    37,554    38,923
  归属于母公司股东的综合收益        38,583         39,257
  归属于少数股东的综合收益             456            313




                                              12
           2016 年第三季度报告




                                        合并及公司利润表

                                            2016 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
                                         2016 年 7-9 月        2015 年 7-9 月         2016 年 7-9 月     2015 年 7-9 月


一、营业收入                                   38,756                 37,931                37,241              37,490
  利息收入                                     53,154                 58,118                52,165              57,195
  利息支出                                   (26,419)               (28,529)              (26,000)            (28,152)
利息净收入                                     26,735                 29,589                26,165              29,043

  手续费及佣金收入                              9,404                  6,969                 8,512                 6,876
  手续费及佣金支出                              (552)                  (440)                 (559)                 (426)
手续费及佣金净收入                              8,852                  6,529                 7,953                 6,450

投资损益                                          492                  (191)                   482                 (155)
其中:对联营企业和合营企业的投资收益               45                     48                    45                    48
公允价值变动损益                                  355                  1,565                   326                 1,565
汇兑损益                                        1,632                  (403)                 1,631                 (255)
其他业务收入                                      690                    842                   684                   842

二、营业支出                                 (20,483)               (20,781)              (19,731)            (20,522)
营业税金及附加                                  (348)                (2,208)                 (334)             (2,181)
业务及管理费                                  (9,123)                (7,817)               (8,472)             (7,666)
资产减值损失                                 (10,973)               (10,658)              (10,882)            (10,578)
其他业务成本                                     (39)                   (98)                  (43)                (97)

三、营业利润                                   18,273                17,150                 17,510                16,968
加:营业外收入                                    117                   329                      77                  222
减:营业外支出                                    (23)                  (15)                   (22)                  (12)

四、利润总额                                   18,367                17,464                 17,565             17,178
减:所得税费用                                 (4,269)               (4,115)                (4,060)            (3,998)

五、净利润                                     14,098                13,349                 13,505                13,180
  归属于母公司股东的净利润                     13,912                13,259
  少数股东损益                                    186                    90

六、每股收益
  基本及稀释每股收益(人民币元)                  0.644                  0.646




                                                          13
          2016 年第三季度报告




七、其他综合收益的税后净额            457          1,310      453     1,300


归属于母公司股东的其他综合收益的
    税后净额                          457          1,310      453     1,300
以后将重分类进损益的其他综合收益
                                      457          1,310      453     1,300
    -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                         (16)            (3)     (16)       (3)
    -可供出售金融资产公允价值变动     462          1,298      462     1,298
    -外币财务报表折算差异               11            15         7         5

八、综合收益总额                    14,555        14,659    13,958   14,480
  归属于母公司股东的综合收益        14,369        14,569
  归属于少数股东的综合收益             186            90




                                             14
          2016 年第三季度报告



                                  合并及公司现金流量表

                                         2016 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                    2016 年 1-9 月   2015 年 1-9 月       2016 年 1-9 月   2015 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                 150,456          425,381              142,494          421,177
向中央银行借款净增加额                          36,498           22,819               36,500           23,000
同业拆借资金净增加额                            68,508           32,392               61,163           29,069
存放中央银行和存放同业款项净减少额                   -           14,071                    -           13,535
收到的利息                                     105,532          115,254              102,515          112,513
收取的手续费及佣金                              34,541           22,219               32,466           22,033
收到其他与经营活动有关的现金                    66,658            5,645               61,893            5,352
经营活动现金流入小计                           462,193          637,781              437,031          626,679

客户贷款及垫款净增加额                       (344,894)        (168,525)            (344,985)        (168,157)
存放中央银行和存放同业款项净增加额            (31,095)                -             (31,606)                -
以公允价值计量且其变动计入当期
  损益的金融资产款项净增加额                 (103,291)         (13,984)            (103,252)         (13,984)
支付的利息                                    (67,978)         (87,084)             (66,974)         (85,973)
支付的手续费及佣金                             (1,513)          (1,053)              (1,508)          (1,011)
支付给职工以及为职工支付的现金                (12,199)         (11,176)             (11,849)         (11,111)
支付的各项税费                                (24,996)         (21,204)             (23,668)         (20,899)
应收融资租赁款净增加额                         (8,823)          (3,435)                    -                -
支付其他与经营活动有关的现金                  (17,199)         (36,677)             (15,363)         (36,667)
经营活动现金流出小计                         (611,988)        (343,138)            (599,205)        (337,802)

经营活动(支付)/产生的现金流量净额            (149,795)          294,643            (162,174)          288,877

二、投资活动产生的现金流量

收回投资收到的现金                           2,642,489        1,227,490           2,641,790         1,227,490
取得投资收益收到的现金                          63,144           54,328              60,857            54,412
收到其他与投资活动有关的现金                        14              191                  14               185
取得子公司收到的现金净额                           779                -                   -                 -
投资活动现金流入小计                         2,706,426        1,282,009           2,702,661         1,282,087

投资支付的现金                              (2,766,498)     (1,565,991)          (2,754,791)      (1,566,394)
购建固定资产、无形资产和其他长期资产支
  付的现金                                      (3,221)         (9,670)              (1,652)          (6,091)
投资活动现金流出小计                        (2,769,719)     (1,575,661)          (2,756,443)      (1,572,485)

投资活动支付的现金流量净额                     (63,293)       (293,652)             (53,782)        (290,398)




                                                   15
          2016 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            726,623     339,331     726,523     339,331
筹资活动现金流入小计                    726,623     354,291     726,523     354,291

偿还债务及同业存单支付的现金           (460,217)   (172,240)   (460,217)   (172,240)
分配股利和偿付利息支付的现金            (25,425)    (15,499)    (25,342)    (15,426)
筹资活动现金流出小计                   (485,642)   (187,739)   (485,559)   (187,666)

筹资活动产生的现金流量净额              240,981     166,552     240,964     166,625

四、汇率变动对现金及现金等价物的影响      2,468       2,102       2,466       2,095

五、现金及现金等价物净增加额             30,361     169,645      27,474     167,199

    加:期初现金及现金等价物余额        264,687     188,784     260,572     184,861

六、期末现金及现金等价物余额            295,048     358,429     288,046     352,060




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