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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2004年第三季度报告

公告日期 2004-10-30
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2004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
姓名                 沈      思              杨国平
联系地址             上海市中山东一路12号    上海市中山东一路12号
电话                 021-63611226            021-63611226
传真                 021-63230807            021-63230807
电子邮箱             shens2@spdb.com.cn      yanggp@spdb.com.cn

                                                     证券事务代表
姓名                                                 王景斌
联系地址                                             上海市中山东一路12号
电话                                                 021-63611226
传真                                                 021-63230807
电子邮箱                                             wangjb@spdb.com.cn
    2.2      财务资料
    2.2.1       主要会计数据及财务指标
                            本报告期末                         上年度期末
总资产(千元)               423,708,929                        371,056,698
股东权益(不含少数股东
权益)(千元)                12,963,907                         12,010,923
每股净资产(元)                   3.311                              3.068
调整后的每股净资产(元)           3.311                              3.065
                                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)                   1,338,373                          3,923,908
每股收益(元)                     0.130                              0.353
净资产收益率(%)               3.94                              10.67
扣除非经常性损益后的净
资产收益率(%)                 3.90                              10.35

                                                   本报告期末比上年度期末
                                                               增减(%)
总资产(千元)                                                        14.19
股东权益(不含少数股东
权益)(千元)                                                         7.93
每股净资产(元)                                                       7.93
调整后的每股净资产(元)                                               8.03
                                                   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)                                                        19.27
 净资产收益率(%)                                                  6.78
 扣除非经常性损益后的净
 资产收益率(%)                                                    4.28
非经常性损益项目                                               金额(千元)
营业外收入                                                         63,715
营业外支出                                                        -17,348
未经财政核销贷款本期收回数                                         15,835
合计                                                               62,202
    2.2.2利润表
    单位:千元
项           目                                             2004年7月-9月
一、营业收入                                                    4,688,066
利息收入及金融机构往来收入                                      4,161,196
投资收益                                                          388,547
其他营业收入                                                      138,323
二、营业支出                                                    3,715,212
利息支出及金融机构往来支出                                      1,711,898
营业费用                                                        1,046,591
其他营业支出                                                      956,724
三、营业税金及附加                                                209,820
四、营业利润                                                      763,035
加:营业外收支净额                                                  7,777
五、利润总额                                                      770,812
减:所得税                                                        260,623
六、净利润                                                        510,189

项           目                                            2004年1月-9月
一、营业收入                                                   13,168,968
利息收入及金融机构往来收入                                     11,728,516
投资收益                                                        1,046,451
其他营业收入                                                      394,001
二、营业支出                                                   10,561,950
利息支出及金融机构往来支出                                      4,877,433
营业费用                                                        2,900,847
其他营业支出                                                    2,783,670
三、营业税金及附加                                                595,325
四、营业利润                                                    2,011,692
加:营业外收支净额                                                 46,367
五、利润总额                                                    2,058,059
减:所得税                                                        674,425
六、净利润                                                      1,383,634

项           目                                           2003年7月-9月
一、营业收入                                                    3,490,579
利息收入及金融机构往来收入                                      2,980,904
投资收益                                                          381,018
其他营业收入                                                      128,657
二、营业支出                                                    2,720,372
利息支出及金融机构往来支出                                      1,248,927
营业费用                                                          593,335
其他营业支出                                                      878,110
三、营业税金及附加                                                151,064
四、营业利润                                                      619,143
加:营业外收支净额                                                  2,050
五、利润总额                                                      621,193
减:所得税                                                        195,967
六、净利润                                                        425,226

项           目                                           2003年1月-9月
一、营业收入                                                    9,517,214
利息收入及金融机构往来收入                                      8,145,936
投资收益                                                        1,016,871
其他营业收入                                                      354,407
二、营业支出                                                    7,547,215
利息支出及金融机构往来支出                                      3,550,472
营业费用                                                        1,713,850
其他营业支出                                                    2,282,893
三、营业税金及附加                                                418,194
四、营业利润                                                    1,551,805
加:营业外收支净额                                                 -8,022
五、利润总额                                                    1,543,783
减:所得税                                                        461,722
六、净利润                                                      1,082,061
    2.3   报告期末股东总人数263887户。
    报告期末股东总数及前十名流通股股东持股表
报告期末股东总数                                                   263887
前十名流通股股东持股情况
股东名称(全称)                               期末持有流通股的数量(股)
鹏华行业成长证券投资基金                                         15035286
中信经典配置证券投资基金                                         14572426
同盛证券投资基金                                                 12912017
海富通收益增长证券投资基金                                       10918059
金鑫证券投资基金                                                  9106026
华安创新证券投资基金                                              8016391
嘉实服务增值行业证券投资基金                                      7876367
华宝兴业多策略增长证券投资基金                                    6212387
易方达50指数证券投资基金                                          5971171
光大证券有限责任公司                                              5939080

股东名称(全称)                                  种类(A、B、H股或其它)
鹏华行业成长证券投资基金                                              A股
中信经典配置证券投资基金                                              A股
同盛证券投资基金                                                      A股
海富通收益增长证券投资基金                                            A股
金鑫证券投资基金                                                      A股
华安创新证券投资基金                                                  A股
嘉实服务增值行业证券投资基金                                          A股
华宝兴业多策略增长证券投资基金                                        A股
易方达50指数证券投资基金                                              A股
光大证券有限责任公司                                                  A股
    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                                                     2004年9月30日
总负债                                                        410,745,022
存款总额                                                      365,437,070
其中:长期存款                                                116,675,930
同业拆入总额                                                      974,056
贷款总额                                                      295,511,023
其中:短期贷款                                                183,491,550
进出口押汇                                                      1,544,989
贴现                                                           24,073,910
中长期贷款                                                     78,931,938
逾期贷款                                                        3,476,041
呆滞贷款                                                        3,958,272
呆帐贷款                                                           34,322

项   目                                                    2003年12月31日
总负债                                                        359,045,775
存款总额                                                      322,114,094
其中:长期存款                                                116,562,950
同业拆入总额                                                    3,055,379
贷款总额                                                      255,111,339
其中:短期贷款                                                164,873,841
进出口押汇                                                      1,887,661
贴现                                                           27,835,302
中长期贷款                                                     55,568,354
逾期贷款                                                          725,045
呆滞贷款                                                        4,205,360
呆帐贷款                                                           15,775
    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         2004年9月30日
                                                          期末       平均
                          人民币               ≥25      40.52      39.50
流动性比率%
                          外币                 ≥60      76.17      70.28
                          人民币               ≤75      75.19      73.74
存贷比%
                          外币                 ≤85      62.48      62.75
                          拆入资金比           ≤4        0.23       0.55
拆借资金比例%
                          拆出资金比           ≤8        0.42       0.98
国际商业借款比例%                              ≤100     44.62      26.15
不良贷款比例%                                  ≤15       2.51       2.43
利息回收率                                       -       98.4       98.43
单一最大客户贷款比例                           ≤10       4.21       4.68
最大十家客户贷款比例                           ≤50      29.41      33.24

项目                                                 2003年12月31日
                                                期末                 平均
                          人民币                 34.39              44.07
流动性比率%
                          外币                   62.78              66.34
                          人民币                 71.42              65.24
存贷比%
                          外币                   59.65              64.07
                          拆入资金比              1.36               0.65
拆借资金比例%
                          拆出资金比              2.44               2.03
国际商业借款比例%                                 0.00               0.92
不良贷款比例%                                     1.92               2.70
利息回收率                                      101.65              99.07
单一最大客户贷款比例                              5.26               6.00
最大十家客户贷款比例                             36.69              39.91
    注:不良贷款比例=不良贷款 各项贷款余额;本报告期的统计口径为五级分类的后三类数据,2003年的口径为“一逾两呆”;
    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:人民币千元
五级分类          金    额             占比%              准备金计提比例%
正常类              275,520,784         93.24                           1
关注类               12,563,351          4.25                           4
次级类                3,148,111          1.06                          35
可疑类                4,244,455          1.44                          70
损失类                   34,322          0.01                         100
合    计            295,511,023        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86.11亿元。
    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             763,814                    -                 不计提
其他应收款        2,458,199            -119,275             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4237.09亿元,比年初增加了526.52亿元,增幅为14.19%。本外币贷款余额2955.11亿元,比年初增加了404.01亿元,增长15.84%。
    ——各项存款余额为3654.37亿元,比年初增加433.23亿元,增幅为13.45%。其中,本外币储蓄存款余额410.94亿元,比年初增长83.58亿元,增幅为25.53%。
    ——股东权益129.64亿元,每股净资产3.311元,每股收益0.353元。
    ——按照“五级”分类,后三类贷款比例为2.51%,比上报告期上升0.22个百分点。
    ——报告期内,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39个城市地开设了24家直属分支行,机构网点增至324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              10,362,495           9,339,356              9.87%
    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                        2004年1-9月        2003年1-9月      增减
贷款                            10,362,495          7,246,061      43.01%
拆借、存放等同业业务             1,366,021            899,875      51.80%
债券投资                         1,031,079          1,001,565       2.95%
其他业务                           409,373            354,407      15.51%
合计                            13,168,968          9,501,908      38.59%
    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   2004年1-9月          2003年1-9月                      增减
营业利润         2,011,692              1,551,805                  29.64%
营业收入        13,168,968              9,501,908                  38.59%
毛利率             15.28%                 16.33%
    4.7    重大事项及其影响和解决方案的分析说明
    □适用      □√不适用
    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○○四年十月二十八日
    资产负债表(未经审计)
    单位:人民币元
资产                                                                 行次
流动资产:
库存现金                                                                1
贵金属                                                                  2
存放中央银行款项                                                        3
存放同业款项                                                            4
拆放同业                                                                5
贴现                                                                    6
应收利息                                                                7
应收股利                                                                8
其他应收款                                                              9
买入返售资产                                                           10
短期投资                                                               11
短期贷款                                                               12
进出口押汇                                                             13
待摊利息                                                               14
一年内到期的长期债券投资                                               15
一年内到期的其他长期投资                                               16
其他流动资产                                                           17
流动资产合计                                                           18
长期资产:
中期贷款                                                               19
长期贷款                                                               20
逾期贷款                                                               21
非应计贷款                                                             22
减:贷款损失准备                                                        23
长期债券投资                                                           24
长期股权投资                                                           25
固定资产原价                                                           26
减:累计折旧                                                            27
固定资产净值                                                           28
减:固定资产减值准备                                                   29
固定资产净额                                                           30
在建工程                                                               31
固定资产清理                                                           32
长期资产合计                                                           33
无形、递延及其他资产:
无形资产                                                               34
长期待摊费用                                                           35
待处理抵债资产                                                         36
减:抵债资产减值准备                                                   37
待处理抵债资产净值                                                     38
其他长期资产                                                           39
无形资产及其他资产合计                                                 40
递延税项:
递延税款借项                                                           41
资产总计                                                               50
负债及所有者权益                                                     行次
流动负债:
短期存款                                                               51
短期储蓄存款                                                           52
向中央银行借款                                                         53
票据融资                                                               54
同业存款                                                               55
同业拆入                                                               56
应付利息                                                               57
存入短期保证金                                                         58
卖出回购资产款                                                         59
汇出汇款                                                               60
应解汇款及临时存款                                                     61
委托资金                                                               62
应付工资                                                               63
应付福利费                                                             64
应交税金                                                               65
应付股利                                                               66
其他应付款                                                             67
预提费用                                                               68
递延收益                                                               69
发行短期债券                                                           70
一年内到期的长期负债                                                   71
其他流动负债                                                           72
流动负债合计                                                           73
长期负债:
长期存款                                                               74
长期储蓄存款                                                           75
存入长期保证金                                                         76
转贷款资金                                                             77
发行长期债券                                                           78
长期应付款                                                             79
其他长期负债                                                           80
长期负债合计                                                           81
递延税项:
递延税款贷项                                                           82
负债合计                                                               83
所有者权益:
股本                                                                   90
资本公积                                                               91
盈余公积                                                               92
其中:公益金                                                         92-1
一般准备                                                               93
未分配利润                                                             94
股东权益合计                                                           95

资产                                                        2004年9月30日
流动资产:
库存现金                                                 1,400,405,323.03
贵金属                                                                  -
存放中央银行款项                                        46,833,255,488.91
存放同业款项                                             8,229,942,274.36
拆放同业                                                 8,901,393,362.92
贴现                                                    24,073,909,907.39
应收利息                                                   763,814,163.84
应收股利
其他应收款                                               2,338,923,501.02
买入返售资产                                             7,479,106,255.30
短期投资                                                13,200,350,845.88
短期贷款                                               183,491,549,906.31
进出口押汇                                               1,544,989,362.47
待摊利息                                                   195,496,507.81
一年内到期的长期债券投资                                 9,323,872,564.36
一年内到期的其他长期投资
其他流动资产                                                            -
流动资产合计                                           307,777,009,463.60
长期资产:
中期贷款                                                37,051,125,472.83
长期贷款                                                41,880,813,009.23
逾期贷款                                                 2,208,547,266.81
非应计贷款                                               5,260,087,882.03
减:贷款损失准备                                          8,611,458,859.40
长期债券投资                                            30,430,620,583.74
长期股权投资                                               448,062,972.67
固定资产原价                                             6,004,914,704.03
减:累计折旧                                              1,907,947,997.66
固定资产净值                                             4,096,966,706.37
减:固定资产减值准备
固定资产净额                                             4,096,966,706.37
在建工程                                                   271,062,896.21
固定资产清理                                                   228,891.04
长期资产合计                                           113,036,056,821.53
无形、递延及其他资产:
无形资产                                                   229,187,771.10
长期待摊费用                                                 6,915,710.36
待处理抵债资产                                             474,837,762.06
减:抵债资产减值准备                                       241,304,060.81
待处理抵债资产净值                                         233,533,701.25
其他长期资产                                               165,561,840.00
无形资产及其他资产合计                                     635,199,022.71
递延税项:
递延税款借项                                             2,260,663,405.98
资产总计                                               423,708,928,713.82
负债及所有者权益                                            2004年9月30日
流动负债:
短期存款                                               150,793,364,210.77
短期储蓄存款                                            14,264,106,663.45
向中央银行借款
票据融资                                                                -
同业存款                                                21,495,169,787.32
同业拆入                                                   974,056,180.00
应付利息                                                 1,564,580,939.10
存入短期保证金                                          53,436,896,992.25
卖出回购资产款                                           7,256,058,373.43
汇出汇款                                                   855,605,692.18
应解汇款及临时存款                                       1,771,399,466.19
委托资金                                                    64,475,692.36
应付工资                                                    85,774,532.17
应付福利费                                                 117,669,862.47
应交税金                                                 1,177,025,664.39
应付股利                                                    17,555,536.84
其他应付款                                               4,830,785,276.50
预提费用                                                                -
递延收益                                                   438,259,972.61
发行短期债券
一年内到期的长期负债
其他流动负债                                               102,432,265.37
流动负债合计                                           259,245,217,107.40
长期负债:
长期存款                                               116,675,930,105.64
长期储蓄存款                                            26,830,072,063.19
存入长期保证金                                           1,600,824,518.27
转贷款资金
发行长期债券
长期应付款                                               6,000,000,000.00
其他长期负债                                               392,977,716.00
长期负债合计                                           151,499,804,403.10
递延税项:
递延税款贷项
负债合计                                               410,745,021,510.50
所有者权益:
股本                                                     3,915,000,000.00
资本公积                                                 4,869,395,544.72
盈余公积                                                 1,592,601,255.20
其中:公益金                                               473,598,377.88
一般准备                                                 1,150,000,000.00
未分配利润                                               1,436,910,403.40
股东权益合计                                            12,963,907,203.32

资产                                                       2003年12月31日
流动资产:
库存现金                                                 1,081,830,488.70
贵金属                                                                  -
存放中央银行款项                                        37,861,661,172.89
存放同业款项                                             5,627,937,839.92
拆放同业                                                 7,863,320,229.79
贴现                                                    27,835,302,431.37
应收利息                                                   648,025,768.08
应收股利
其他应收款                                               2,174,303,828.04
买入返售资产                                            14,061,143,799.13
短期投资                                                 7,922,966,196.55
短期贷款                                               164,873,840,965.27
进出口押汇                                               1,887,661,186.66
待摊利息                                                   157,711,704.08
一年内到期的长期债券投资                                 6,553,433,967.02
一年内到期的其他长期投资
其他流动资产                                                            -
流动资产合计                                           278,549,139,577.50
长期资产:
中期贷款                                                26,346,186,594.11
长期贷款                                                29,222,167,845.83
逾期贷款                                                   532,301,838.04
非应计贷款                                               4,413,877,814.87
减:贷款损失准备                                          6,268,205,020.93
长期债券投资                                            30,590,617,583.91
长期股权投资                                               448,062,972.67
固定资产原价                                             5,758,352,354.65
减:累计折旧                                              1,605,740,455.01
固定资产净值                                             4,152,611,899.64
减:固定资产减值准备
固定资产净额                                             4,152,611,899.64
在建工程                                                   265,996,525.47
固定资产清理                                                       833.82
长期资产合计                                            89,703,618,887.43
无形、递延及其他资产:
无形资产                                                   203,044,986.56
长期待摊费用                                                12,245,301.64
待处理抵债资产                                             486,134,942.63
减:抵债资产减值准备                                       230,494,653.17
待处理抵债资产净值                                         255,640,289.46
其他长期资产                                               588,814,780.80
无形资产及其他资产合计                                   1,059,745,358.46
递延税项:
递延税款借项                                             1,744,194,237.02
资产总计                                               371,056,698,060.41
负债及所有者权益                                           2003年12月31日
流动负债:
短期存款                                               136,937,039,996.54
短期储蓄存款                                            11,688,115,963.68
向中央银行借款
票据融资                                                                -
同业存款                                                16,280,254,563.17
同业拆入                                                 3,055,379,000.00
应付利息                                                 1,072,102,913.41
存入短期保证金                                          55,763,550,121.31
卖出回购资产款                                           9,271,121,618.21
汇出汇款                                                 1,122,671,429.12
应解汇款及临时存款                                       1,048,631,423.72
委托资金                                                   113,806,577.02
应付工资                                                    64,148,967.33
应付福利费                                                  87,857,878.36
应交税金                                                 1,326,802,254.48
应付股利                                                    14,985,028.96
其他应付款                                               3,480,836,031.38
预提费用                                                                -
递延收益                                                   364,487,979.16
发行短期债券
一年内到期的长期负债
其他流动负债                                               132,983,351.39
流动负债合计                                           241,824,775,097.24
长期负债:
长期存款                                                94,507,416,294.01
长期储蓄存款                                            21,047,631,069.32
存入长期保证金                                           1,007,902,527.39
转贷款资金
发行长期债券
长期应付款                                                              -
其他长期负债                                               658,050,169.19
长期负债合计                                           117,221,000,059.91
递延税项:
递延税款贷项
负债合计                                               359,045,775,157.15
所有者权益:
股本                                                     3,915,000,000.00
资本公积                                                 4,869,395,544.72
盈余公积                                                 1,592,601,255.20
其中:公益金                                               473,598,377.88
一般准备                                                 1,150,000,000.00
未分配利润                                                 483,926,103.34
股东权益合计                                            12,010,922,903.26
    法定代表人:张广生            行长:   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                                                            序号
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
买入返售资产                                                           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
卖出回购资产款                                                         35
存款                                                                   36
保证金                                                                 37
委托存款                                                               38
其他负债                                                               39
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                                               73
固定资产折旧                                                           74
无形资产、递延资产及其他资产摊销                                       75
处置固定资产、无形资产和其他长期资
                                                                       76
产的损失(减:收益)
投资损失(减:收益)                                                   77
投资、筹资活动产生的汇兑损益                                           78
递延税款贷项(减:借项)                                                79
经营性应付项目的增加(减:减少)                                       80
经营性应收项目的减少(减:增加)                                       81
其他                                                                   82
因经营活动而产生的现金流量净额                                         83
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                                             84
减:现金及现金等价物的期初余额                                         85
现金及现金等价物净增加额                                               86

项     目                                                    2004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                                          10,267,051,820.25
金融企业往来收入收到的现金                               1,257,029,499.71
中间业务收入收到的现金                                     295,927,984.99
经营性债券投资收益收到的现金                               108,426,968.39
汇兑净收益收到的现金                                        96,605,808.46
营业外净收入收到的现金                                      24,702,482.80
现金流入小计                                            12,049,744,564.60
支付的存款利息                                           3,346,105,063.09
金融企业往来支出支付的现金                               1,076,634,699.89
手续费支出支付的现金                                        65,386,194.43
支付给职工以及为职工支付的现金                             802,804,199.38
其他营业费用支付的现金                                   1,102,968,703.88
支付的营业税金及附加款                                     607,770,103.73
支付的所得税款                                           1,124,167,243.71
现金流出小计                                             8,125,836,208.11
因经营活动而产生的现金流量净额                           3,923,908,356.49
经营性资产的减少(增加)
缴存中央银行准备金                                      -4,692,894,113.80
存放同业                                                                -
拆放同业及金融性公司                                    -1,313,544,157.30
贷款                                                   -44,482,209,182.99
贴现                                                     3,761,392,523.98
已核销呆帐贷款及利息收回                                    20,087,585.29
经营性债券投资                                          -5,703,128,040.83
买入返售资产                                             6,582,037,543.83
长期待摊费用                                               -29,858,225.76
其他资产                                                   -92,022,423.40
其他应收暂付款减少收回的现金                               -20,278,173.76
经营性资产的减少(增加)小计                           -45,970,416,664.74
经营性负债的增加(减少)
向央行借款                                                              -
同业间存放                                               5,214,915,224.15
同业及金融性公司拆入                                    -2,081,322,820.00
卖出回购资产款                                          -2,015,063,244.78
存款                                                    45,106,037,761.98
保证金                                                  -1,733,731,138.18
委托存款                                                   -49,330,884.66
其他负债                                                  -115,376,275.96
其他应付暂收款减少流出的现金                               440,422,325.78
经营性负债的增加(减少)小计                            44,766,550,948.33
流动资金变动产生的现金流量净额                          -1,203,865,716.41
营业活动产生的现金流量净额                               2,720,042,640.08
二.投资活动产生的现金流量
收回投资所收到的现金                                                    -
投资性债券投资收益收到的现金                               967,058,904.91
投资性债券投资减少收回的现金                             4,848,958,062.35
分得股利或利润所收到的现金                                  15,372,786.00
处置固定资产、无形资产而收到的现金                          18,141,841.21
现金流入小计                                             5,849,531,594.47
投资性债券投资增加流出的现金                             7,560,024,181.13
购建固定资产、无形资产所支付的现金                         271,644,885.69
权益性投资支付的现金                                                    -
现金流出小计                                             7,831,669,066.82
投资活动产生的现金流量净额                              -1,982,137,472.35
三.融资活动产生的现金流量
发行股票所收到的现金                                                    -
发行债券所收到的现金                                     6,000,000,000.00
现金流入小计                                             6,000,000,000.00
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                                 428,079,492.12
现金流出小计                                               428,079,492.12
融资活动产生的现金流量净额                               5,571,920,507.88
四.汇率变动对现金的影响额                                              -
五.本期现金及现金等价物净增加额                         6,309,825,675.61
补充资料                                                  2004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                                                   1,383,634,300.06
加:计提的坏帐准备                                          68,399,058.83
计提的贷款呆帐准备                                       2,599,926,204.14
计提的长期投资减值准备                                                  -
计提的抵债资产资减值准备                                    37,895,322.04
固定资产折旧                                               380,683,204.11
无形资产、递延资产及其他资产摊销                            40,863,050.01
处置固定资产、无形资产和其他长期资                          -2,528,855.12
产的损失(减:收益)
投资损失(减:收益)                                      -939,007,695.65
投资、筹资活动产生的汇兑损益                                            -
递延税款贷项(减:借项)                                   -516,469,168.96
经营性应付项目的增加(减:减少)                         1,186,504,104.19
经营性应收项目的减少(减:增加)                          -315,991,167.16
其他                                                                    -
因经营活动而产生的现金流量净额                           3,923,908,356.49
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                              40,028,855,212.05
减:现金及现金等价物的期初余额                          33,719,029,536.44
现金及现金等价物净增加额                                 6,309,825,675.61
    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      表      (未经审计)
    单位:人民币元
项目                                                                 行次
一、营业收入                                                            1
利息收入                                                                2
金融机构往来收入                                                        3
中间业务收入                                                            4
汇兑收益                                                                5
其他业务收入                                                            6
二、营业成本                                                            7
利息支出                                                                8
金融机构往来支出                                                        9
手续费支出                                                             10
汇兑损失                                                               11
三、营业费用                                                           12
业务及管理费                                                           13
折旧费                                                                 14
其他营业支出                                                           15
四、投资净收益                                                         16
五、营业利润                                                           17
减:营业税金及附加                                                     18
加:营业外收入                                                         19
减:营业外支出                                                         20
六、计提资产损失准备前利润总额                                         21
减:资产损失准备                                                       22
七、计提资产损失准备后利润总额                                         23
减:所得税                                                             24
八、净利润                                                             25
加:期初未分配利润                                                     26
盈余公积转入                                                           27
九、可供分配的利润                                                     28
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、可供股东分配的利润                                                 32
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
十一、未分配利润                                                       37

项目                                                        2004年1~9月
一、营业收入                                            12,122,516,737.18
利息收入                                                10,362,494,820.25
金融机构往来收入                                         1,366,020,869.50
中间业务收入                                               251,258,363.77
汇兑收益                                                    97,089,215.33
其他业务收入                                                45,653,468.33
二、营业成本                                             4,943,302,586.24
利息支出                                                 3,838,583,088.78
金融机构往来支出                                         1,038,849,896.16
手续费支出                                                  65,386,194.43
汇兑损失                                                       483,406.87
三、营业费用                                             2,912,427,002.23
业务及管理费                                             2,531,743,798.12
折旧费                                                     380,683,204.11
其他营业支出
四、投资净收益                                           1,046,450,816.93
五、营业利润                                             5,313,237,965.64
减:营业税金及附加                                         595,325,397.92
加:营业外收入                                              63,715,377.00
减:营业外支出                                              17,347,979.54
六、计提资产损失准备前利润总额                           4,764,279,965.18
减:资产损失准备                                         2,706,220,585.01
七、计提资产损失准备后利润总额                           2,058,059,380.17
减:所得税                                                 674,425,080.11
八、净利润                                               1,383,634,300.06
加:期初未分配利润                                         483,926,103.34
盈余公积转入
九、可供分配的利润                                       1,867,560,403.40
减:提取法定盈余公积                                                    -
提取法定公益金                                                          -
提取一般准备                                                            -
十、可供股东分配的利润                                   1,867,560,403.40
减:应付优先股股利
提取任意盈余公积                                                        -
应付普通股股利                                             430,650,000.00
转作股本的普通股股利
十一、未分配利润                                         1,436,910,403.40

项目                                                        2004年7—9月
一、营业收入                                             4,299,519,449.21
利息收入                                                 3,671,779,966.65
金融机构往来收入                                           489,416,114.40
中间业务收入                                                91,751,622.94
汇兑收益                                                    25,101,411.35
其他业务收入                                                21,470,333.87
二、营业成本                                             1,736,107,637.85
利息支出                                                 1,435,121,829.91
金融机构往来支出                                           276,775,781.50
手续费支出                                                  23,953,577.71
汇兑损失                                                       256,448.73
三、营业费用                                             1,049,722,091.36
业务及管理费                                               914,122,595.91
折旧费                                                     135,599,495.45
其他营业支出
四、投资净收益                                             388,546,629.51
五、营业利润                                             1,902,236,349.51
减:营业税金及附加                                         209,819,518.45
加:营业外收入                                              12,937,812.75
减:营业外支出                                               5,160,590.38
六、计提资产损失准备前利润总额                           1,700,194,053.43
减:资产损失准备                                           929,382,134.24
七、计提资产损失准备后利润总额                             770,811,919.19
减:所得税                                                 260,623,287.91
八、净利润                                                 510,188,631.28
加:期初未分配利润
盈余公积转入
九、可供分配的利润                                         510,188,631.28
减:提取法定盈余公积
提取法定公益金
提取一般准备
十、可供股东分配的利润                                     510,188,631.28
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
十一、未分配利润                                           510,188,631.28

项目                                                         2003年1~9月
一、营业收入                                             8,500,343,439.76
利息收入                                                 7,246,061,468.11
金融机构往来收入                                           899,874,656.69
中间业务收入                                               181,969,708.92
汇兑收益                                                   119,113,062.48
其他业务收入                                                53,324,543.56
二、营业成本                                             3,589,328,235.89
利息支出                                                 2,810,334,263.17
金融机构往来支出                                           740,138,072.06
手续费支出                                                  38,782,482.26
汇兑损失                                                        73,418.40
三、营业费用                                             2,174,021,293.95
业务及管理费                                             1,820,142,925.47
折旧费                                                     353,878,368.48
其他营业支出
四、投资净收益                                           1,016,871,018.85
五、营业利润                                             3,753,864,928.77
减:营业税金及附加                                         418,194,167.12
加:营业外收入                                               4,074,197.27
减:营业外支出                                              12,095,920.11
六、计提资产损失准备前利润总额                           3,327,649,038.81
减:资产损失准备                                         1,783,866,218.19
七、计提资产损失准备后利润总额                           1,543,782,820.62
减:所得税                                                 461,721,503.50
八、净利润                                               1,082,061,317.12
加:期初未分配利润                                         429,164,369.37
盈余公积转入
九、可供分配的利润                                       1,511,225,686.49
减:提取法定盈余公积                                                    -
提取法定公益金                                                          -
提取一般准备                                                            -
十、可供股东分配的利润                                   1,511,225,686.49
减:应付优先股股利
提取任意盈余公积                                                        -
应付普通股股利                                             391,500,000.00
转作股本的普通股股利
十一、未分配利润                                         1,119,725,686.49

项目                                                        2003年7~9月
一、营业收入                                             3,109,561,367.94
利息收入                                                 2,639,371,881.76
金融机构往来收入                                           341,532,454.00
中间业务收入                                                68,815,467.96
汇兑收益                                                    44,780,477.37
其他业务收入                                                15,061,086.85
二、营业成本                                             1,260,773,837.73
利息支出                                                   997,282,728.49
金融机构往来支出                                           251,644,734.73
手续费支出                                                  11,817,248.87
汇兑损失                                                        29,125.64
三、营业费用                                               742,115,810.42
业务及管理费                                               623,273,025.02
折旧费                                                     118,842,785.40
其他营业支出                                                            -
四、投资净收益                                             381,017,693.65
五、营业利润                                             1,487,689,413.44
减:营业税金及附加                                         151,063,748.18
加:营业外收入                                               3,084,453.43
减:营业外支出                                               1,033,736.62
六、计提资产损失准备前利润总额                           1,338,676,382.07
减:资产损失准备                                           717,483,519.30
七、计提资产损失准备后利润总额                             621,192,862.77
减:所得税                                                 195,966,125.13
八、净利润                                                 425,226,737.64
加:期初未分配利润                                                      -
盈余公积转入                                                            -
九、可供分配的利润                                         816,726,737.64
减:提取法定盈余公积
提取法定公益金
提取一般准备
十、可供股东分配的利润                                     816,726,737.64
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
十一、未分配利润                                           425,226,737.64
    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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