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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2005年第一季度报告

公告日期 2005-04-23
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2005年第一季度报告

    目录
    1  重要提示
    2  公司基本情况简介.
    3  银行业务数据
    4  管理层讨论与分析
    5  附录
    1  重要提示
    本公司董事会及其董事保证本报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性负个别及连带责任。
    本公司董事金运、Stephen Long(中文名:龙肇辉)、杨祥海因公务未亲自出席会议,书面委托张广生董事长代行表决权;独立董事孙铮、胡祖六、姜波克因公务未亲自出席会议,分别书面委托独立董事潘洪萱、马金明、夏大慰代行表决权。
    本公司第一季度财务报告未经审计。
    本公司董事长张广生、行长金运、财务总监黄建平及财务机构负责人傅能,保证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)
股票代码                 600000
                         董事会秘书
姓名                     沈思                                      杨国平
联系地址                 海市中山东一路12号          上海市中山东一路12号
电话                     021-63611226                        021-63611226
传真                     021-63230807                        021-63230807
电子邮箱                 shens2@spdb.com.cn            yanggp@spdb.com.cn

股票简称                                                           (无)
股票代码
                                                             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)                     457,264,535                  455,532,286
股东权益(不含少数股东权
益)(千元)                        14,024,063                   13,510,304
每股净资产(元)                          3.58                         3.45
调整后的每股净资产(元)                  3.58                         3.45
                        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)                              24,619                    1,024,619
每股收益(元)                           0.131                        0.131
净资产收益率                           3.66%                        3.66%
扣除非经常性损益后的净资
产收益率                               3.66%                        3.66%
非经常性损益项目                                               金额(千元)
营业外收入                                                          1,056
营业外支出                                                         -1,656
未经财政核销贷款本期收回数                                          1,145
合计                                                                  545

                                                     本报告期末比上年度期
总资产(千元)                                                        0.38%
股东权益(不含少数股东权
益)(千元)                                                          3.80%
每股净资产(元)                                                      3.80%
调整后的每股净资产(元)                                              3.80%
                                                     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)                                                          -15.98%
每股收益(元)                                                       23.58%
净资产收益率                                                        5.88%
扣除非经常性损益后的净资
产收益率                                                            5.48%
    2.2.2利润表                                                 单位:千元
项目                                行次                   2005年第一季度
一、营业收入                         1                          5,015,332
利息收入                             2                          4,276,728
金融机构往来收入                     3                            587,178
中间业务收入                         4                            103,880
汇兑收益                             5                             44,636
其他业务收入                         6                              2,909
二、营业成本                         7                          2,097,928
利息支出                             8                          1,572,088
金融机构往来支出                     9                            496,009
手续费支出                           10                            29,796
汇兑损失                             11                                35
三、营业费用                         12                         1,155,439
业务及管理费                         13                         1,029,731
折旧费                               14                           125,707
其他营业支出                         15                                 -
四、投资净收益                       16                           343,984
五、营业利润                         17                         2,105,949
减:营业税金及附加                   18                           218,766
加:营业外收入                       19                             1,056
减:营业外支出                       20                             1,656
六、计提资产损失准备前利润总额       21                         1,886,583
减:资产损失准备                     22                         1,107,267
七、计提资产损失准备后利润总额       23                           779,316
减:所得税                           24                           265,557
八、净利润                           25                           513,759

项目                                                       2004年第一季度
一、营业收入                                                    3,728,987
利息收入                                                        3,218,609
金融机构往来收入                                                  379,903
中间业务收入                                                       84,283
汇兑收益                                                           15,441
其他业务收入                                                       30,750
二、营业成本                                                    1,567,423
利息支出                                                        1,167,400
金融机构往来支出                                                   383645
手续费支出                                                         16,210
汇兑损失                                                              168
三、营业费用                                                    1,002,160
业务及管理费                                                      913,942
折旧费                                                             88,218
其他营业支出                                                            0
四、投资净收益                                                    298,314
五、营业利润                                                    1,457,718
减:营业税金及附加                                                182,570
加:营业外收入                                                        500
减:营业外支出                                                      1,676
六、计提资产损失准备前利润总额                                  1,273,972
减:资产损失准备                                                  646,802
七、计提资产损失准备后利润总额                                    627,169
减:所得税                                                        211,551
八、净利润                                                        415,618
    2.3   报告期末股东总人数259922户。
    报告期末股东总数                                               259922
    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
中国工商银行-上证50交易型开放式指数证券投资基金                 23941695
招商银行股份有限公司-中信经典配置证券投资基金                   18662887
中国银行-嘉实服务增值行业证券投资基金                           12953127

    前十名流通股股东持股情况
股东名称(全称)                                                     种类
中国工商银行-上证50交易型开放式指数证券投资基金                      A股
招商银行股份有限公司-中信经典配置证券投资基金                        A股
中国银行-嘉实服务增值行业证券投资基金                                A股
国际金融-渣打-CITIGROUP GLOBAL MARKETS LIMITED                  6737324
中信证券-工行-CREDIT SUISSE   FIRST  BOSTON (HONG KONG)
                                                                  6683795
LIMITED
全国社保基金一一一组合                                            5461178
中国工商银行-融通蓝筹成长证券投资基金                            5236837
中国建设银行-博时裕富证券投资基金                                5125751
汉盛证券投资基金                                                  5074401
大成价值增长证券投资基金                                          4954753

国际金融-渣打-CITIGROUP GLOBAL MARKETS LIMITED                      A股
中信证券-工行-CREDIT SUISSE   FIRST  BOSTON (HONG KONG)
                                                                      A股
LIMITED
全国社保基金一一一组合                                                A股
中国工商银行-融通蓝筹成长证券投资基金                                A股
中国建设银行-博时裕富证券投资基金                                    A股
汉盛证券投资基金                                                      A股
大成价值增长证券投资基金                                              A股
    3银行业务数据
    3.1截止报告期末公司补充财务数据:
    单位:人民币千元
项    目                      05年3月31日                  2004年12月31日
总负债                        443,240,473                     442,021,983
存款总额                      396,953,445                     395,381,770
其中:长期存款                154,140,075                     150,176,533
同业拆入总额                    2,033,111                       2,006,516
贷款总额                      326,608,883                     310,905,140
其中:短期贷款               5,358,230.63                     189,429,551
进出口押汇                   1,932,959.81                       1,769,992
贴现                         7,004,701.99                      24,702,278
中长期贷款                   4,182,919.29                      88,120,146
逾期贷款                     3,226,308.45                       2,648,919
呆滞贷款                     4,721,940.33                       4,164,697
呆帐贷款                       181,822.93                          69,557
    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      2005年一季度
                                                  期末               平均
                人民币          ≥25             35.48              39.80
流动性比率%     外币            ≥60             73.55              78.50
                人民币          ≤75             75.78              74.19
存贷比%         外币            ≤85             69.97              70.85
                拆入资金比       ≤4              0.43               0.40
拆借资金比例%   拆出资金比       ≤8              0.27               0.29
国际商业借款比例%              ≤100              3.04              10.63
不良贷款比例%                   ≤15              2.36               2.41
利息回收率                         -             95.66              97.23
单一最大客户贷款比例%           ≤10              4.04               3.91
最大十家客户贷款比例%          ≤50             30.64               28.61

项目                                                               2004年
                                                   年末              平均
                人民币                           44.12              40.42
流动性比率%     外币                             83.45              72.92
                人民币                           72.6               73.51
存贷比%         外币                             71.72              64.54
拆入资金比                                       0.37                0.51
拆借资金比例%   拆出资金比                       0.3                 0.84
国际商业借款比例%                                18.22              24.56
不良贷款比例%                                    2.45                2.43
利息回收率                                       98.79               98.5
单一最大客户贷款比例%                            3.77                 4.5
最大十家客户贷款比例%                            26.58              31.91
     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                  302,658,441         92.67%                     1%
关注类                   16,248,254          4.97%                     5%
次级类                    3,444,590          1.05%                    35%
可疑类                    4,014,982          1.23%                    70%
损失类                      242,616          0.07%                   100%
合   计                 326,608,883        100.00%
     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        1,037,998               —                         不计提
其他应收款      4,365,438         -103,930                     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
    截至3月31日,公司主要经营和管理情况如下:
    ——总资产规模达到4572.65亿元,比年初增加了17.32亿元,增幅为0.38%。本外币贷款余额3266.09亿元,比年初增加了157.04亿元,增长5.05%。
    ——各项存款余额为3969.53亿元,比年初增加15.95亿元,增幅为0.40%。其中,本外币储蓄存款余额503.93亿元,比年初增长37.89亿元,增幅为8.13%。
    ——股东权益140.24亿元,每股净资产3.58元,每股收益0.131                           元。
    ——按照“五级”分类,后三类贷款比例为2.36%,比上报告期下降0.09个百分点。
    ——在监管部门的大力支持下,公司在调整优化现有网点的基础上,又增设了南昌分行等一批新的营业网点,全行的分支机构为25家直属分支行、334个营业网点。
    4.2占主营收入或主营业务利润总额10%以上的主营行业或产品情况
                                                           单位:人民币千元
业务产品      主营业务收入                 主营业务成本         毛利率(%)
存贷款业务       4,276,728                    2,673,033           37.50%
    主营业务收入及利润分地区情况
                                                               单位:人民币千元
地       区            主营业务收入                              主营利润
上海地区                  1,493,102                               552,533
北京地区                    447,469                               181,507
江苏地区                    626,184                               288,328
浙江地区                    905,483                               478,848
广东地区                    454,377                               182,695
境内其他地区              1,078,636                               415,705
境外离岸                     10,081                                 6,333
合    计                  5,015,332                             2,105,949
    4.3      公司经营的季节性或周期性特征
    □适用        □√不适用
    4.4      报告期利润构成情况
                                                单位:人民币千元
                   2005年1-3月                            2004年1-3月
                           金额           占比        金额           占比
营业利润              2,105,949        270.23%   1,457,718        232.43%
其中:投资收益          343,984         44.14%     298,314         47.57%
营业外收支净额             -600         -0.08%      -1,176         -0.18%
利润总额                779,316        100.00%     627,169        100.00%
    4.5主营业务收入及其结构变动情况
                                                         单位:人民币千元
业务种类                 2005年1-3月     2004年1-3月                 增减
贷款                       4,276,728       3,218,609               32.88%
拆借、存放等同业业务         587,178         379,903               54.56%
债券投资                     343,984         298,314               15.31%
其他业务                     151,426         130,475               16.06%
合计                       5,359,316       4,027,301               33.07%
    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        2005年1-3月                2004年1-3月           增减
营业利润                   2,105,949             1,457,718         44.47%
营业收入                   5,359,316             4,027,301         33.07%
毛利率                        39.30%                36.20%          8.55%
    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○○五年四月二十一日
                              资产负债表(未经审计)
                                           单位:人民币元
资产                         行次                           2005年3月31日
流动资产:
库存现金                       1                         1,550,012,484.63
贵金属                         2                                        -
存放中央银行款项               3                        44,369,138,394.72
存放同业款项                   4                         7,728,750,156.64
拆放同业                       5                         8,169,534,413.66
贴现                           6                        27,004,701,985.50
应收利息                       7                         1,037,997,735.81
应收股利                       8
其他应收款                     9                         4,261,507,334.38
买入返售资产                  10                         6,236,176,287.78
短期投资                      11                        18,784,864,350.00
短期贷款                      12                       195,358,230,627.68
进出口押汇                    13                         1,932,959,812.46
待摊利息                      14                            80,520,830.41
一年内到期的长期债券投资      15                         7,928,345,271.25
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                       324,442,739,684.92
长期资产:
中期贷款                      19                        40,868,365,275.22
长期贷款                      20                        53,314,554,017.96
逾期贷款                      21                         2,716,582,430.82
非应计贷款                    22                         5,413,489,283.00
减:贷款损失准备               23                        10,020,444,269.70
长期债券投资                  24                        32,240,855,801.59
长期股权投资                  25                           448,060,972.67
固定资产原价                  26                         6,751,648,703.14
减:累计折旧                   27                         2,145,169,075.70
固定资产净值                  28                         4,606,479,627.44
减:固定资产减值准备          29
固定资产净额                  30                         4,606,479,627.44
在建工程                      31                           307,827,580.20
固定资产清理                  32                                34,526.63
长期资产合计                  33                       129,895,805,245.83
无形、递延及其他资产:
无形资产                      34                           203,964,272.86
长期待摊费用                  35                             3,834,142.90
待处理抵债资产                36                           458,293,359.72
减:抵债资产减值准备          37                           244,435,141.44
待处理抵债资产净值            38                           213,858,218.28
其他长期资产                  39                           165,586,640.00
无形资产及其他资产合计        40                           587,243,274.04
递延税项:
递延税款借项                  41                         2,338,747,105.53
资产总计                      50                       457,264,535,310.32
负债及所有者权益             行次                           2005年3月31日
流动负债:
短期存款                      51                       160,209,616,924.30
短期储蓄存款                  52                        16,731,052,152.14
向中央银行借款                53                                        -
票据融资                      54                                        -
同业存款                      55                        14,805,358,293.91
同业拆入                      56                         2,033,110,670.00
应付利息                      57                         1,870,325,458.48
存入短期保证金                58                        64,479,666,281.18
卖出回购资产款                59                        10,801,919,545.41
汇出汇款                      60                           843,366,082.79
应解汇款及临时存款            61                         1,393,034,569.16
委托资金                      62                            23,441,392.36
应付工资                      63                           112,309,742.80
应付福利费                    64                           153,573,242.67
应交税金                      65                         2,092,926,104.89
应付股利                      66                             9,349,036.84
其他应付款                    67                         5,981,847,836.05
预提费用                      68                                        -
递延收益                      69                           345,099,170.29
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                            73,377,456.13
流动负债合计                  73                       281,959,373,959.40
长期负债:
长期存款                      74                       118,096,269,614.24
长期储蓄存款                  75                        33,662,280,314.64
存入长期保证金                76                         2,381,525,238.52
转贷款资金                    77
发行长期债券                  78
长期应付款                    79                         6,000,000,000.00
其他长期负债                  80                         1,141,023,389.73
长期负债合计                  81                       161,281,098,557.13
递延税项:
递延税款贷项                  82
负债合计                      83                       443,240,472,516.53
所有者权益:
股本                          90                         3,915,000,000.00
资本公积                      91                         4,869,395,544.72
盈余公积                      92                         2,171,610,480.47
其中:公益金                 92-1                          666,601,452.97
一般准备                      93                         2,000,000,000.00
未分配利润                    94                         1,068,056,768.60
股东权益合计                  95                        14,024,062,793.79
负债及股东权益总计            100                      457,264,535,310.32

资产                                                       2004年12月31日
流动资产:
库存现金                                                 1,466,556,104.81
贵金属                                                                  -
存放中央银行款项                                        70,125,105,916.88
存放同业款项                                             4,640,353,970.93
拆放同业                                                 8,648,585,067.52
贴现                                                    24,702,278,277.92
应收利息                                                   783,727,052.82
应收股利
其他应收款                                               2,635,736,962.43
买入返售资产                                            10,760,444,300.00
短期投资                                                 8,170,907,800.00
短期贷款                                               189,429,550,449.52
进出口押汇                                               1,769,991,939.58
待摊利息                                                   235,717,961.15
一年内到期的长期债券投资                                 7,876,245,578.04
一年内到期的其他长期投资
其他流动资产                                                       533.91
流动资产合计                                           331,245,201,915.51
长期资产:
中期贷款                                                37,665,918,473.29
长期贷款                                                50,454,227,358.50
逾期贷款                                                 1,924,286,751.49
非应计贷款                                               4,958,886,921.96
减:贷款损失准备                                          8,919,498,968.98
长期债券投资                                            30,151,078,223.51
长期股权投资                                               448,060,972.67
固定资产原价                                             6,653,375,471.05
减:累计折旧                                              2,019,461,735.45
固定资产净值                                             4,633,913,735.60
减:固定资产减值准备
固定资产净额                                             4,633,913,735.60
在建工程                                                   307,175,574.90
固定资产清理                                                     6,799.50
长期资产合计                                           121,624,055,842.44
无形、递延及其他资产:
无形资产                                                   210,966,512.40
长期待摊费用                                                 6,514,167.57
待处理抵债资产                                             458,293,359.72
减:抵债资产减值准备                                       235,973,346.87
待处理抵债资产净值                                         222,320,012.85
其他长期资产                                                    56,640.01
无形资产及其他资产合计                                     439,857,332.83
递延税项:
递延税款借项                                             2,223,171,264.04
资产总计                                               455,532,286,354.82
负债及所有者权益                                           2004年12月31日
流动负债:
短期存款                                               167,135,728,057.69
短期储蓄存款                                            16,099,176,115.86
向中央银行借款
票据融资                                                                -
同业存款                                                17,456,979,109.13
同业拆入                                                 2,006,516,440.00
应付利息                                                 1,610,272,819.77
存入短期保证金                                          60,734,588,937.24
卖出回购资产款                                           8,297,847,964.95
汇出汇款                                                 1,687,144,395.13
应解汇款及临时存款                                       1,212,355,357.82
委托资金                                                    23,388,954.23
应付工资                                                     7,419,758.52
应付福利费                                                 143,398,798.26
应交税金                                                 1,740,113,355.48
应付股利                                                    14,833,536.84
其他应付款                                               6,306,904,063.05
预提费用                                                                -
递延收益                                                   479,944,132.84
发行短期债券
一年内到期的长期负债
其他流动负债                                                54,010,353.56
流动负债合计                                           285,090,622,150.37
长期负债:
长期存款                                               117,470,737,967.97
长期储蓄存款                                            30,504,933,855.69
存入长期保证金                                           2,200,860,896.95
转贷款资金
发行长期债券
长期应付款                                                  6,000,000,000
其他长期负债                                               754,827,829.69
长期负债合计                                           156,931,360,550.30
递延税项:
递延税款贷项
负债合计                                               442,021,982,700.67
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                                                 2,171,610,480.47
其中:公益金                                               666,601,452.97
一般准备                                                 2,000,000,000.00
未分配利润                                                 554,297,628.96
股东权益合计                                            13,510,303,654.15
负债及股东权益总计                                     455,532,286,354.82
    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                                                                 行次
一.营业活动产生的现金流量
因经营活动而产生的现金流量                                              1
收到的贷款利息                                                          2
金融企业往来收入收到的现金                                              3
中间业务收入收到的现金                                                  4
经营性债券投资收益收到的现金                                            5
汇兑净收益收到的现金                                                    6
营业外净收入收到的现金                                                  7
现金流入小计                                                            8
支付的存款利息                                                          9
金融企业往来支出支付的现金                                             10
手续费支出支付的现金                                                   11
支付给职工以及为职工支付的现金                                         12
其他营业费用支付的现金                                                 13
支付的营业税金及附加款                                                 14
支付的所得税款                                                         15
现金流出小计                                                           16
因经营活动而产生的现金流量净额                                         17
经营性资产的减少(增加)                                               18
缴存中央银行准备金                                                     19
存放同业                                                               20
拆放同业及金融性公司                                                   21
贷款                                                                   22
贴现                                                                   23
已核销呆帐贷款及利息收回                                               24
经营性债券投资                                                         25
买入返售资产                                                           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
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
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                                                     2005年度第一季度
一.营业活动产生的现金流量
因经营活动而产生的现金流量
收到的贷款利息                                           4,256,907,113.80
金融企业往来收入收到的现金                                 324,833,645.80
中间业务收入收到的现金                                     120,373,730.81
经营性债券投资收益收到的现金                                13,270,103.32
汇兑净收益收到的现金                                        44,601,019.77
营业外净收入收到的现金                                        -599,550.67
现金流入小计                                             4,759,386,062.83
支付的存款利息                                           1,349,955,358.04
金融企业往来支出支付的现金                                 340,811,992.08
手续费支出支付的现金                                        29,796,054.85
支付给职工以及为职工支付的现金                             943,356,387.85
其他营业费用支付的现金                                     647,882,450.74
支付的营业税金及附加款                                     249,914,605.21
支付的所得税款                                             173,049,827.44
现金流出小计                                             3,734,766,676.21
因经营活动而产生的现金流量净额                           1,024,619,386.62
经营性资产的减少(增加)
缴存中央银行准备金                                        -945,644,401.52
存放同业                                                   165,530,000.00
拆放同业及金融性公司                                        50,164,175.97
贷款                                                   -12,942,648,747.02
贴现                                                    -2,302,423,707.58
已核销呆帐贷款及利息收回                                     2,289,800.00
经营性债券投资                                          -9,864,167,277.61
买入返售资产                                             4,524,268,012.22
长期待摊费用                                                  -160,434.94
其他资产                                                  -165,529,999.99
其他应收暂付款减少收回的现金                            -1,435,916,408.26
经营性资产的减少(增加)小计                           -22,914,238,988.73
经营性负债的增加(减少)
向央行借款                                                              -
同业间存放                                              -2,651,620,815.22
同业及金融性公司拆入                                        26,594,230.00
卖出回购资产款                                           2,504,071,580.46
存款                                                    -2,330,677,780.55
保证金                                                   3,925,741,685.51
委托存款                                                        52,438.13
其他负债                                                  -438,215,649.73
其他应付暂收款减少流出的现金                               -72,935,951.86
经营性负债的增加(减少)小计                               963,009,736.74
流动资金变动产生的现金流量净额                         -21,951,229,251.99
营业活动产生的现金流量净额                             -20,926,609,865.37
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                                49,005,244.64
投资性债券投资减少收回的现金                             1,785,179,926.61
分得股利或利润所收到的现金                                              -
处置固定资产、无形资产而收到的现金                                      -
现金流入小计                                             1,834,185,171.25
投资性债券投资增加流出的现金                             4,594,840,895.24
购建固定资产、无形资产所支付的现金                         100,365,746.69
权益性投资支付的现金                                                    -
现金流出小计                                             4,695,206,641.93
投资活动产生的现金流量净额                              -2,861,021,470.68
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
现金流入小计                                                            -
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                                   5,484,500.00
现金流出小计                                                 5,484,500.00
融资活动产生的现金流量净额                                  -5,484,500.00
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                       -23,793,115,836.05
补充资料                                                   2005年第一季度
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
净利润                                                     513,759,139.64
加:计提的坏帐准备                                                      -
计提的贷款呆帐准备                                       1,092,483,506.15
计提的长期投资减值准备                                                  -
计提的抵债资产资减值准备                                     8,461,794.57
固定资产折旧                                               125,704,083.40
无形资产、递延资产及其他资产摊销                            11,122,773.51
处置固定资产、无形资产和其他长期资                            -277,647.42
投资损失(减:收益)                                      -317,129,484.71
投资、筹资活动产生的汇兑损益                                            -
递延税款贷项(减:借项)                                   -115,575,841.49
经营性应付项目的增加(减:减少)                           260,964,579.36
经营性应收项目的减少(减:增加)                          -554,893,516.39
其他                                                                    -
因经营活动而产生的现金流量净额                           1,024,619,386.62
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                              36,197,321,788.50
减:现金及现金等价物的期初余额                          59,990,437,624.55
现金及现金等价物净增加额                               -23,793,115,836.05
    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                     2005年第一季度
一、营业收入                       1                     5,015,331,746.17
利息收入                           2                     4,276,728,328.97
金融机构往来收入                   3                       587,178,393.66
中间业务收入                       4                       103,879,715.72
汇兑收益                           5                        44,635,949.11
其他业务收入                       6                         2,909,358.71
二、营业成本                       7                     2,097,928,103.76
利息支出                           8                     1,572,087,996.75
金融机构往来支出                   9                       496,009,122.82
手续费支出                         10                       29,796,054.85
汇兑损失                           11                           34,929.34
三、营业费用                       12                    1,155,438,535.32
业务及管理费                       13                    1,029,731,195.07
折旧费                             14                      125,707,340.25
其他营业支出                       15
四、投资净收益                     16                      343,984,244.42
五、营业利润                       17                    2,105,949,351.51
减:营业税金及附加                 18                      218,766,384.39
加:营业外收入                     19                        1,056,416.44
减:营业外支出                     20                        1,655,967.11
六、计提资产损失准备前利润总额     21                    1,886,583,416.45
减:资产损失准备                   22                    1,107,267,255.29
七、计提资产损失准备后利润总额     23                      779,316,161.16
减:所得税                         24                      265,557,021.52
八、净利润                         25                      513,759,139.64
加:年初未分配利润                 26                      554,297,628.96
盈余公积转入                       27
九、可供分配的利润                 28                    1,068,056,768.60
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                    1,068,056,768.60
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                    1,068,056,768.60

项目                                                       2004年第一季度
一、营业收入                                             3,728,987,085.38
利息收入                                                 3,218,609,473.19
金融机构往来收入                                           379,903,132.51
中间业务收入                                                84,283,314.78
汇兑收益                                                    15,441,472.90
其他业务收入                                                30,749,692.00
二、营业成本                                             1,567,422,595.94
利息支出                                                 1,167,399,984.88
金融机构往来支出                                           383,644,936.41
手续费支出                                                  16,210,065.86
汇兑损失                                                       167,608.79
三、营业费用                                             1,002,160,233.03
业务及管理费                                               913,941,921.54
折旧费                                                      88,218,311.49
其他营业支出
四、投资净收益                                             298,313,757.35
五、营业利润                                             1,457,718,013.76
减:营业税金及附加                                         182,570,397.06
加:营业外收入                                                 499,948.43
减:营业外支出                                               1,676,045.95
六、计提资产损失准备前利润总额                           1,273,971,519.18
减:资产损失准备                                           646,802,200.51
七、计提资产损失准备后利润总额                             627,169,318.67
减:所得税                                                 211,551,488.94
八、净利润                                                 415,617,829.73
加:年初未分配利润                                         483,926,103.43
盈余公积转入
九、可供分配的利润                                         899,543,933.16
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                                     899,543,933.16
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                                           468,893,933.16
    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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