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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2006年第三季度报告

公告日期 2006-10-27
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2006年第三季度报告
    
    目录
     §1 重要提示 3
    §2 公司基本情况简介 3
    §3 银行业务数据 5
    §4 管理层讨论与分析 7
    §5 附录(财务报表) 10
     
    §1 重要提示
    1.1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。
    1.2本公司董事祝世寅、尉彭城因公务未亲自出席会议,书面委托金运董事长代行表决权;独立董事胡祖六、夏大慰因公务未亲自出席会议,书面委托独立董事姜波克代行表决权;独立董事李扬因公务未亲自出席会议,书面委托独立董事孙铮代行表决权。
    1.3本公司第三季度财务报告未经审计。
    本公司董事长金运、行长傅建华、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 公司基本情况简介
    
    2.1 公司基本信息
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  股票简称            浦发银行                    变更前简称(如有)               (无)                            
  股票代码            600000                                                                                          
                    董事会秘书                    证券事务代表                                                        
  姓名               沈思                          杨国平                              吴蓉                            
  联系地址           上海市中山东一路12号          上海市中山东一路12号                上海市中山东一路12号            
  电话               021-63611226                  021-63611226                        021-63611226                    
  传真               021-63230807                  021-63230807                        021-63230807                    
  电子邮箱           shens2@spdb.com.cn            yanggp@spdb.com.cn                  wur2@spdb.com.cn                
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    2.2 财务资料
    2.2.1 主要会计数据及财务指标
    币种:人民币
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
                                                  本报告期末            上年度期末             本报告期末比上年度期末  
                                                                                               增减(%)              
  总资产(千元)                                    637,934,835           573,522,671            11.23                   
  股东权益(不含少数股东权益)(千元)                17,891,227            15,969,463             12.03                   
  每股净资产(元)                                  4.57                  4.08                   12.01                   
  调整后的每股净资产(元)                          4.57                  4.08                   12.01                   
                                                  报告期                年初至报告期期末       本报告期比上年同期增减  
                                                                                               (%)                  
  经营活动活动产生的现金流量净额                  2,839,977             6,643,984              368.40                  
  每股收益(元)                                    0.22                  0.63                   30.77                   
  净资产收益率(%)                                 4.77                  13.71                  增加0.25个百分点        
  扣除非经常性损益后的净资产收益率(%)             4.63                  13.57                  增加0.12个百分点        
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  非经常性损益项目                                           金额(千元)                                                
  营业外收入                                                 26,809                                                    
  营业外支出                                                 5,074                                                     
  未经财政核销贷款本期收回数                                 4,302                                                     
  合计                                                       26,037                                                    
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    2.2.2 利润表
    单位:元币种:人民币 审计类型:未经审计 
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  项目                            2006年7-9月          2006年1-9月           2005年7-9月          2005年1-9            
  利息收入                        7,315,950,970.57     20,682,031,595.95     5,775,551,005.71     16,766,299,637.30    
  贷款及应收款利息收入            6,157,793,547.65     17,106,794,309.68     4,633,252,529.57     13,564,214,475.20    
  金融机构往来收入                648,366,328.46       1,889,232,495.77      592,972,110.61       1,710,135,491.27     
  债券利息收入                    509,791,094.46       1,686,004,790.50      549,326,365.53       1,491,949,670.83     
  利息支出                        2,790,169,774.28     7,985,051,629.22      2,146,253,851.17     6,360,314,482.31     
  存款利息支出                    2,276,232,537.01     6,497,903,899.98      1,734,855,510.59     4,872,845,932.09     
  金融机构往来支出                352,335,889.83       1,053,837,340.72      323,522,440.42       1,253,612,021.98     
  债券利息支出                    161,601,347.44       433,310,388.52        87,875,900.16        233,856,528.24       
  净利息收入                      4,525,781,196.29     12,696,979,966.73     3,629,297,154.54     10,405,985,154.99    
  中间业务净收入                  108,930,610.39       384,628,027.19        65,817,267.67        204,359,241.74       
  中间业务收入                    198,761,114.58       618,951,830.22        121,409,995.32       337,019,847.24       
  中间业务支出                    89,830,504.19        234,323,803.03        55,592,727.65        132,660,605.50       
  净交易收入                      187,029,723.34       333,630,324.88        30,240,295.46        187,786,474.46       
  汇兑净收入                      75,982,957.77        224,388,654.35        16,973,503.21        129,986,768.31       
  衍生金融工具交易净收入          4,147,221.18         37,443,983.69         -777,247.87          -34,268,247.87       
  交易式证券净收入                56,181,896.67        -35,692,722.66        -4,758,899.20        39,071,570.84        
  其他业务净收入                  50,717,647.72        107,490,409.50        18,802,939.31        52,996,383.18        
  营业费用                        1,801,921,264.41     4,918,121,951.25      1,590,462,662.14     4,000,086,990.06     
  业务及管理费                    1,637,897,953.64     4,435,672,799.81      1,460,563,870.73     3,594,363,422.80     
  折旧费                          164,023,310.77       482,449,151.44        129,898,791.41       405,723,567.26       
  投资净收益                      5,989,711.42         23,039,438.62         4,350,009.87         21,981,203.67        
  营业利润                        3,025,809,977.03     8,520,155,806.17      2,139,242,065.39     6,820,025,084.79     
  减:营业税金及附加              358,129,276.58       990,900,039.19        263,609,199.97       769,884,853.35       
  加:营业外收入                  8,803,896.82         40,013,160.64         4,250,525.40         9,573,247.60         
  减:营业外支出                  4,835,144.78         7,573,107.36          2,562,901.59         6,387,596.71         
  计提资产损失准备前利润总额      2,671,649,452.49     7,561,695,820.26      1,877,320,489.23     6,053,325,882.33     
  减:资产损失准备                1,205,843,342.94     3,462,289,829.06      844,251,005.07       3,067,587,032.29     
  计提资产损失准备后利润总额      1,465,806,109.55     4,099,405,991.20      1,033,069,484.16     2,985,738,850.04     
  减:所得税                      611,510,350.93       1,645,867,543.14      379,785,986.23       1,110,117,809.56     
  净利润                          854,295,758.62       2,453,538,448.06      653,283,497.93       1,875,621,040.48     
  加:年初未分配利润                                   689,961,644.96                             669,158,982.48       
  盈余公积转入                                                                                                         
  可供分配的利润                                       3,143,500,093.02                           2,544,780,022.96     
  减:提取法定盈余公积                                                                                                 
  提取法定公益金                                                                                                       
  提取一般准备                                                                                                         
  可供股东分配的利润                                   3,143,500,093.02                           2,544,780,022.96     
  加:法定公益金转入                                   -                                                               
  减:应付优先股股利                                   -                                                               
  提取任意盈余公积                                     -                                                               
  应付普通股股利                                       508,950,000.00                             469,800,000.00       
  转作股本的普通股股利                                 -                                                               
  未分配利润                                           2,634,550,093.02                           2,074,980,022.96     
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    
    2.3 报告期末股东持股情况
    
    2.3.1前十名流通股股东持股表
    2.3 报告期末股东总数及前十名流通股股东持股表
    
    单位:股 


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  报告期末股东总数                                           150638                                                    
  前十名股东持股情况                                                                                                   
  股东名称(全称)                报告期内增减    报告期末持股数量    比例(%)     股份类别    质押或冻结的  股东性质     
                                                                                            股份数量                   
  上海国际集团有限公司          -              890192388           22.74%      限售        -            国有         
  上海国际信托投资有限公司      -              317291045           8.10%       限售        -            国有         
  上海上实(集团)有限公司        -              173440299           4.43%       限售        -            国有         
  CITIBANKOVERSEASINVESTMENTCO  -              164563433           4.20%       限售        -            外资         
  RPORATION                                                                                                            
  中国烟草总公司江苏省公司      -              52305224            1.34%       限售        -            国有         
  云南国际信托投资有限公司      -              41103075            1.05%       限售        -            国有         
  国家电网公司                  -              40970149            1.05%       限售        -            国有         
  华北电网有限公司              -              40970149            1.05%       限售        -            国有         
  上海市邮政局                  -              36784366            0.94%       限售        -            国有         
  中国电信集团上海电信公司      -              35918530            0.92%       限售        -            国有         
  前十名无限售条件股东持股情况                                                                                         
  股东名称(全称)                                                  期末持有流通股的数量    种类(A、B、H股或其它)    
  中国平安人寿保险股份有限公司-传统-普通保险产品                  33151621                A股                        
  裕隆证券投资基金                                                  31730091                A股                        
  国际金融-汇丰-MORGANSTANLEY&CO.INTERNATIONALLIMITED             27525528                A股                        
  中国人寿保险股份有限公司-分红-个人分红-005L-FH002沪           25000000                A股                        
  汉盛证券投资基金                                                  24022762                A股                        
  中国平安人寿保险股份有限公司-分红-个险分红                      23135165                A股                        
  中国银行-银华优质增长股票型证券投资基金                          22399635                A股                        
  中国工商银行-广发策略优选混合型证券投资基金                      21364405                A股                        
  海通-中行-FORTISBANKSA/NV                                       14784726                A股                        
  中信证券-工行-CREDITSUISSE(HONGKONG)LIMITED                     13936535                A股                        
  上述股东关联关系或一致行  上海国际集团有限公司为上海国际信托投资有限公司的控股股东。上述前十名无限售条件股东之间以及 
  动关系的说明              和前十名股东之间本公司未知其关联关系。                                                     
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    
    §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                                         2006年9月30日                         2005年12月31日                    
  总负债                                       620,043,608620,098,986,719.59         557,553,208                       
  存款总额                                     565,736,405565,736,404,790.79         505,575,629                       
  其中:长期存款                               290,440,684                           190,881,080                       
  同业拆入总额                                 213,281                               420,924                           
  贷款总额                                     442,835,312                           377,222,937                       
  其中:短期贷款                               239,708,125                           214,809,285                       
  进出口押汇                                   1,305,368                             2,336,878                         
  贴现                                         41,324,366                            39,993,989                        
  中长期贷款                                   151,036,084                           112,098,658                       
  逾期贷款                                     2,791,534                             2,450,908                         
  呆滞贷款                                     6,634,832                             5,496,891                         
  呆帐贷款                                     35,003                                36,328                            
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
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           2006年9月30日                    2005年12月31日                   
                                                     期末            平均             年末             平均            
  流动性比率%      人民币           ≥25             44.94           45.61            41.57            43.34           
                   外币             ≥60             77.79           73.43            75.93            73.74           
  存贷比%          人民币           ≤75             72.11           69.53            67.04            70.52           
                   外币             ≤85             47.22           57.57            66.66            70.93           
  拆借资金比例%    拆入资金比       ≤4              0.04            0.09             0                0.18            
                   拆出资金比       ≤8              0.28            0.27             0.17             0.24            
  国际商业借款比例%                 ≤100            2.25            7.87             0.63             7.55            
  不良贷款比例%                     ≤15             1.89            1.90             1.97             2.29            
  利息回收率                        -                102.34          104.37           99.54            98.40           
  单一最大客户贷款比例%             ≤10             7.56            5.12             4.25             4.28            
  最大十家客户贷款比例%             ≤50             36.47           33.63            32.48            30.40           
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    3.3报告期末的资本构成及变化情况
    单位: 人民币百万元


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
                                2006年9月30日                2005年12月31日                2004年12月31日              
  资本净额                      34,412                       28,435                        24,427                      
  核心资本净额                  17,298                       14,596                        12,806                      
  加权风险资产净额              429,638                      353,575                       304,035                     
  资本充足率(%)                 8.01                         8.04                          8.03                        
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    3.4 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                          419,862,968                     94.81%                  1%                           
  关注类                          14,590,479                      3.30%                   5%-20%                       
  次级类                          4,086,123                       0.92%                   35%                          
  可疑类                          2,653,410                       0.60%                   70%                          
  损失类                          1,642,332                       0.37%                   100%                         
  合计                            442,835,312                     100%                                                 
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
3.5  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               1,334,254                         --                            --                            
  其他应收款             2,574,138                         209,951                       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


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  在经营班子的具体领导和组织下,公司在第三季度继续认真贯彻落实董事会提出的各项业务发展计划,坚持以科学发展观为指导,以 
  效益为中心,加大结构调整力度,加快业务转型步伐,积极进取,稳健经营,各项工作有了新的进展。截至9月30日,公司主要经营  
  情况如下:——总资产规模达到6379.34亿元,比年初增加了644.12亿元,增幅为11.23%。本外币贷款余额4428.35亿元,比年初增加 
  了656.12亿元,增长17.39%。——各项存款余额为5657.36亿元,比年初增加601.61亿元,增幅为11.90%。其中,本外币储蓄存款余  
  额877.03亿元,比年初增长171.90亿元,增幅为24.38%。——股东权益达到178.91亿元,每股净资产4.57元,每股收益0.63元,净资 
  产收益率为13.71%。——按照“五级”分类,后三类贷款比例为1.89%,比年初下降0.08个百分点,不良贷款的拨备覆盖率为158.76 
  %。——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,又增设了一批新的营业网点,已在全国43个城市开设了28家 
  分行(其中1家为直属支行),机构网点总数增至366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            17,106,79417,106,794,309.6817,  11,416,026                    33.27%                           
                        106,794,309.6817,106,794,309.6                                                                 
                        8                                                                                              
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    主营业务收入及利润分地区情况
    单位:人民币千元


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  地区                           主营业务收入                                 主营利润                                 
  上海地区                       3,223,286                                    1,186,637                                
  北京地区                       1,207,055                                    657,509                                  
  江苏地区                       2,184,597                                    1,216,856                                
  浙江地区                       3,523,392                                    2,074,352                                
  广东地区                       1,182,246                                    479,364                                  
  境内其他地区                   10,236,497                                   2,875,556                                
  境外离岸                       77,541                                       29,882                                   
  合计                           21,634,614                                   8,520,156                                
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    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


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
                      2006年1-9月                                   2005年1-9月                                      
                      金额                    占比                   金额                      占比                    
  营业利润            8,520,156               207.84%                6,820,025                 228.42%                 
  其中:投资收益      23,039                  0.56%                  21,981                    0.74%-                  
  营业外收支净额      32,440                  0.79%                  3,186                     0.11%                   
  利润总额            4,099,406               100%                   2,985,739                 100%                    
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    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                          2006年1-9月                        2005年1-9月               增减                  
  贷款                              17,106,79417,106,794,309.6817,106  13,564,214                26.12%                
                                    ,794,309.6817,106,794,309.68                                                       
  拆借、存放等同业业务              1,889,232                          1,710,135                 10.47%                
  债券投资                          1,686,005                          1,491,951                 13.01%                
  其他业务                          952,583                            524,806                   81.51%                
  合计                              21,634,614                         17,291,106                25.12%                
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    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                   2006年1-9月                       2005年1-9月                    增减                 
  营业利润                       8,520,156                         6,820,025                      24.93%               
  营业收入                       21,634,614                        17,291,106                     25.12%               
  毛利率                         39.38%                            39.44%                                              
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    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与日常经营相关的关联交易
    公司不存在控制关系的关联方。
    报告期内,公司的关联交易为对股东以及关联方的贷款。所有关联方贷款均按相关法律规定及公司贷款条件、审核程序进行发放,并正常还本付息,对公司的经营成果和财务状况无任何负面影响。根据中国银监会颁布的《商业银行与内部人和股东关联交易管理办法》的有关规定,公司新制定了《关联交易管理办法》,根据该办法公司不存在控制关系的关联方。
    公司的关联方主要指能够直接、间接、共同持有或控制本行5%以上股份或表决权的非自然人股东,具体为上海国际集团有限公司、上海国际信托投资有限公司、上海上实(集团)有限公司、上海实业发展股份有限公司、上海上实国际贸易(集团)有限公司。 
       不存在控制关系的关联方及交易情况见下表:
    单位:人民币千元


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
  企业名称                                           报告期末贷款/拆放余额            报告期末利息收入金额             
  上海上实(集团)有限公司                             250,000                          6,440                            
  上海国际集团有限公司                               500,000                          16,520                           
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━

    4.9 2006年第三季度期末资金被占用情况及清欠进展情况    □适用 □√不适用
    4.10 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
    (1)会计政策变更:公司于当期开始实施财政部财会[2005]14号文《关于印发<金融工具确认和计量暂行规定(试行)>的通知》的规定,于2006年1月1日起执行金融工具确认和计量暂行规定,上述会计政策的变更适用追溯调整法。
    (2)会计报表重述:根据财政部2005年8月颁发的财会[2005]14号文《关于印发<金融工具确认和计量暂行规定(试行)>的通知》的规定的要求,公司对会计报表重新进行了表述,并相应调整了年初数(上年同期数)的表述。
    4.11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
    4.12 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
    4.13 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
    4.14 公司原非流通股东在股权分置改革过程中做出的特殊承诺及其履行情况(G股公司)
    □适用√不适用
    
    
    董事长签名: 金  运
    
    上海浦东发展银行股份有限公司董事会
    
    二○○六年十月二十五日
     
     资产负债表(未经审计)
    单位:人民币元


━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
                                行次    2006年9月30日                           2005年12月31日                        
  库存现金                       1       2,310,208,283.02                        1,885,092,895.68                      
  存放中央银行款                 2       62,604,173,613.88                       70,577,006,876.35                     
  存放同业                       3       5,614,942,625.75                        5,103,236,645.02                      
  拆放同业                       4       10,486,198,958.45                       9,197,099,398.45                      
  交易式证券                     5       54,842,387,786.01                       48,898,137,190.92                     
  贷款及垫款                     6       442,835,312,325.03                      377,222,936,839.57                    
  减:贷款损失准备               7       13,307,228,369.88                       10,576,561,180.11                     
  应收利息                       8       1,334,253,881.89                        1,157,552,098.49                      
  应收股利                       9       -                                      -                                     
  其他应收款                     10      2,364,186,864.80                        2,198,164,073.64                      
  买入返售资产                   11      21,712,498,973.53                       20,331,876,451.42                     
  证券投资                       12      37,189,334,305.19                       38,094,420,136.17                     
  股权投资                       13      444,557,449.01                          445,995,972.67                        
  待摊利息                       13      16,285,959.62                           7,744,141.27                          
  衍生金融工具资产               14      32,149,143.09                           20,422,131.31                         
  固定资产原价                   15      8,294,950,223.43                        7,962,555,729.40                      
  减:累计折旧                   16      2,807,399,477.97                        2,374,220,981.58                      
  固定资产净值                   17      5,487,550,745.46                        5,588,334,747.82                      
  减:固定资产减值准备           18      -                                       -                                     
  固定资产净额                   19      5,487,550,745.46                        5,588,334,747.82                      
  在建工程                       20      88,460,558.46                           52,201,177.14                         
  固定资产清理                   21      -325,750.12                             4,061.94                              
  无形资产                       22      208,032,267.02                          230,707,891.29                        
  长期待摊费用                   23      56,756,557.28                           16,202,313.12                         
  待处理抵债资产                 24      1,426,733,701.41                        1,143,428,539.35                      
  减:抵债资产减值准备           25      857,235,176.22                          743,840,864.69                        
  待处理抵债资产净值             26      569,498,525.19                          399,587,674.66                        
  其他资产                       27      -                                       7,808.17                              
  递延税款借项                   28      3,045,600,523.17                        2,672,502,008.34                      
  资产合计                       40      637,934,835,225.85                      573,522,671,353.33                    
  客户存款                       41      564,799,299,254.14                      504,505,579,797.41                    
  向中央银行借款                 42      -                                       -                                     
  票据融资                       43      -                                       -                                     
  同业存款                       44      21,646,966,057.53                       20,577,880,546.40                     
  同业拆入                       45      213,281,100.00                          420,924,300.00                        
  应付利息                       46      2,621,960,626.51                        2,245,994,119.85                      
  卖出回购资产款                 47      2,432,457,632.57                        1,640,120,000.00                      
  汇出汇款                       48      586,975,002.24                          1,862,249,360.05                      
  应解汇款及临时存款             49      937,105,536.65                          1,070,049,579.96                      
  衍生金融工具负债               50      31,861,655.14                           57,578,627.05                         
  应付工资                       51      8,879,514.62                            5,451,830.08                          
  应付福利费                     52      267,083,733.82                          208,053,399.49                        
  应交税金                       53      1,590,793,628.77                        2,115,133,457.79                      
  应付股利                       54      33,452,504.74                           10,762,029.53                         
  其他应付款                     55      6,693,337,588.22                        7,330,628,822.32                      
  预提费用                       56      -                                       -                                     
  递延收益                       57      397,254,582.59                          330,531,323.44                        
  发行短期债券                   58      -                                       -                                     
  转贷款资金                     59      -                                       -                                     
  发行长期债券                   60      11,600,000,000.00                       9,000,000,000.00                      
  长期应付款                     61      6,000,000,000.00                        6,000,000,000.00                      
  其他负债                       62      182,899,492.65                          172,271,219.49                        
  递延税款贷项                   63      -                                       -                                     
  负债合计                       64      620,043,607,910.19                      557,553,208,412.86                    
  股本                           65      3,915,000,000.00                        3,915,000,000.00                      
  资本公积                       66      5,087,912,529.56                        5,110,736,602.43                      
  其中:可供出售投资未实现损益   69      218,516,984.84                          241,341,057.71                        
  盈余公积                       67      2,953,764,693.08                        2,953,764,693.08                      
  一般准备                       68      3,300,000,000.00                        3,300,000,000.00                      
  未分配利润                     70      2,634,550,093.02                        689,961,644.96                        
  股东权益合计                   71      17,891,227,315.66                       15,969,462,940.47                     
  负债及股东权益合计             80      637,934,835,225.85                      573,522,671,353.33                    
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    法定代表人:金   运          行长:傅建华          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


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  项目                                                        行次     2006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                                  1                                                       
  收到的贷款利息                                            2        16,918,518,038.94                               
  金融企业往来收入收到的现金                                  3        1,889,086,040.47                                
  中间业务收入收到的现金                                      4        618,951,830.22                                  
  证券投资收益收到的现金                                      5        1,763,296,665.98                                
  汇兑净收益收到的现金                                        7        273,554,298.17                                  
  营业外净收入收到的现金                                      8        3,968,752.06                                    
  现金流入小计                                                9        21,467,375,625.84                               
  支付的存款利息                                              10       5,961,118,667.29                                
  金融企业往来支出支付的现金                                  11       1,053,837,340.72                                
  手续费支出支付的现金                                        12       234,323,803.03                                  
  支付给职工以及为职工支付的现金                              13       1,431,032,524.50                                
  其他营业费用支付的现金                                      14       2,602,165,899.81                                
  支付的营业税金及附加款                                      15       990,333,829.80                                  
  支付的所得税款                                              16       2,550,579,876.58                                
  现金流出小计                                                17       14,823,391,941.73                               
  因经营活动而产生的现金流量净额                              18       6,643,983,684.11                                
  经营性资产的减少(增加)                                    19                                                      
  缴存中央银行准备金                                          20       -9,068,570,751.56                               
  存放同业                                                    21       1,494,000.00                                    
  拆放同业及金融性公司                                        22       -139,183,431.00                                 
  贷款                                                        23       -64,740,340,992.92                              
  贴现                                                        24       -2,588,940,428.35                               
  已核销呆帐贷款及利息收回                                    25       15,637,800.00                                   
  证券投资                                                    26       -5,168,318,123.51                               
  买入返售资产                                                27       -1,380,622,522.11                               
  长期待摊费用                                                28       -40,554,244.16                                  
  其他资产                                                    30       7,808.17                                        
  其他应收暂付款减少收回的现金                                31       -166,022,791.16                                 
  经营性资产的减少(增加)小计                                32       -83,275,413,676.60                              
  经营性负债的增加(减少)                                    33                                                      
  向央行借款                                                  34       -                                               
  同业间存放                                                  35       1,069,085,511.13                                
  同业及金融性公司拆入                                        36       -207,643,200.00                                 
  卖出回购资产款                                              37       792,337,632.57                                  
  存款                                                        38       52,221,151,508.41                               
  保证金                                                      39       8,072,567,948.32                                
  委托存款                                                    40       84,921.64                                       
  其他负债                                                    42       -918,953,154.54                                 
  其他应付暂收款减少流出的现金                                43       -788,214,535.11                                 
  经营性负债的增加(减少)小计                                44       60,240,416,632.42                               
  流动资金变动产生的现金流量净额                              45       -23,034,997,044.18                              
  营业活动产生的现金流量净额                                  46       -16,391,013,360.07                              
  二.投资活动产生的现金流量                                                                                         
  收回投资所收到的现金                                        47                                                      
  赎回及处置证券投资所收回的现金                              48                                                      
  分得股利或利润所收到的现金                                  49       23,039,438.62                                   
  处置固定资产、无形资产而收到的现金                          50       2,562,588.41                                    
  现金流入小计                                                51       25,602,027.03                                   
  证券投资增加流出的现金                                      52                                                      
  购建固定资产、无形资产所支付的现金                          53       317,658,675.25                                  
  权益性投资增加支付的现金                                    54                                                      
  现金流出小计                                                55       317,658,675.25                                  
  投资活动产生的现金流量净额                                  56       -292,056,648.22                                 
  三.融资活动产生的现金流量                                                                                         
   发行股票所收到的现金                                      57                                                      
   发行债券所收到的现金                                      58       2,600,000,000.00                                
  现金流入小计                                                59       2,600,000,000.00                                
   收回发行债券所支付的现金                                  60                                                      
  偿付利息所支付的现金                                        61       473,500,000.00                                  
   分配股利或利润所支付的现金                                62       486,259,524.79                                  
  现金流出小计                                                63       1,288,568,241.57                                
  融资活动产生的现金流量净额                                  64       1,311,431,758.43                                
  四.汇率变动对现金的影响额                                  65                                                      
  五.本期现金及现金等价物净增加额                            66       -15,371,638,249.86                              
  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                                      67                                                      
    以投资偿还债务                                          68                                                      
    以固定资产进行投资                                      69                                                      
  不涉及现金流量的投资和融资活动金额                          70                                                      
  2.将净利润调整为因经营活动而产生的现金流量                                                                       
  净利润                                                      71       2,453,538,448.06                                
  加:计提的坏帐准备                                          72       109,240,505.47                                  
  计提的贷款呆帐准备                                          73       3,352,571,924.05                                
  计提的长期投资减值准备                                      74       -                                               
  计提的抵债资产资减值准备                                    75       477,399.54                                      
    固定资产折旧                                            76       482,449,151.44                                  
    无形资产、递延资产及其他资产摊销                        77       68,743,177.87                                   
    处置固定资产、无形资产和其他长期资产的损失(减:收益)  78       -29,510,314.41                                  
    投资损失(减:收益)                                    79       -136,024,036.76                                 
  投资、筹资活动产生的汇兑损益                                80       20,444,315.24                                   
  衍生金融工具交易净损益                                      81       -37,443,983.69                                  
  已减值贷款利息冲转                                                  -178,792,715.69                                 
  递延税款贷项(减:借项)                                     82       -376,337,019.59                                 
    经营性应付项目的增加(减:减少)                        83       1,073,356,383.06                                
    经营性应收项目的减少(减:增加)                        84       -158,729,550.50                                 
  其他                                                        85                                                      
  因经营活动而产生的现金流量净额                              86       6,643,983,684.11                                
  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                                  87       41,298,624,110.20                               
  减:现金及现金等价物的期初余额                              88       56,670,262,360.06                               
  现金及现金等价物净增加额                                    89       -15,371,638,249.86                              
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    法定代表人:金   运          行长:傅建华          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


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  项目                               2006年7-9月         2006年1-9月           2005年7-9月         2005年1-9           
  利息收入                           7,315,950,970.57    20,682,031,595.95     5,775,551,005.71    16,766,299,637.30   
  贷款及应收款利息收入               6,157,793,547.65    17,106,794,309.68     4,633,252,529.57    13,564,214,475.20   
  金融机构往来收入                   648,366,328.46      1,889,232,495.77      592,972,110.61      1,710,135,491.27    
  债券利息收入                       509,791,094.46      1,686,004,790.50      549,326,365.53      1,491,949,670.83    
  利息支出                           2,790,169,774.28    7,985,051,629.22      2,146,253,851.17    6,360,314,482.31    
  存款利息支出                       2,276,232,537.01    6,497,903,899.98      1,734,855,510.59    4,872,845,932.09    
  金融机构往来支出                   352,335,889.83      1,053,837,340.72      323,522,440.42      1,253,612,021.98    
  债券利息支出                       161,601,347.44      433,310,388.52        87,875,900.16       233,856,528.24      
  净利息收入                         4,525,781,196.29    12,696,979,966.73     3,629,297,154.54    10,405,985,154.99   
  中间业务净收入                     108,930,610.39      384,628,027.19        65,817,267.67       204,359,241.74      
  中间业务收入                       198,761,114.58      618,951,830.22        121,409,995.32      337,019,847.24      
  中间业务支出                       89,830,504.19       234,323,803.03        55,592,727.65       132,660,605.50      
  净交易收入                         187,029,723.34      333,630,324.88        30,240,295.46       187,786,474.46      
  汇兑净收入                         75,982,957.77       224,388,654.35        16,973,503.21       129,986,768.31      
  衍生金融工具交易净收入             4,147,221.18        37,443,983.69         -777,247.87         -34,268,247.87      
  交易式证券净收入                   56,181,896.67       -35,692,722.66        -4,758,899.20       39,071,570.84       
  其他业务净收入                     50,717,647.72       107,490,409.50        18,802,939.31       52,996,383.18       
  营业费用                           1,801,921,264.41    4,918,121,951.25      1,590,462,662.14    4,000,086,990.06    
  业务及管理费                       1,637,897,953.64    4,435,672,799.81      1,460,563,870.73    3,594,363,422.80    
  折旧费                             164,023,310.77      482,449,151.44        129,898,791.41      405,723,567.26      
  投资净收益                         5,989,711.42        23,039,438.62         4,350,009.87        21,981,203.67       
  营业利润                           3,025,809,977.03    8,520,155,806.17      2,139,242,065.39    6,820,025,084.79    
  减:营业税金及附加                 358,129,276.58      990,900,039.19        263,609,199.97      769,884,853.35      
  加:营业外收入                     8,803,896.82        40,013,160.64         4,250,525.40        9,573,247.60        
  减:营业外支出                     4,835,144.78        7,573,107.36          2,562,901.59        6,387,596.71        
  计提资产损失准备前利润总额         2,671,649,452.49    7,561,695,820.26      1,877,320,489.23    6,053,325,882.33    
  减:资产损失准备                   1,205,843,342.94    3,462,289,829.06      844,251,005.07      3,067,587,032.29    
  计提资产损失准备后利润总额         1,465,806,109.55    4,099,405,991.20      1,033,069,484.16    2,985,738,850.04    
  减:所得税                         611,510,350.93      1,645,867,543.14      379,785,986.23      1,110,117,809.56    
  净利润                             854,295,758.62      2,453,538,448.06      653,283,497.93      1,875,621,040.48    
  加:年初未分配利润                 -                   689,961,644.96        -                   669,158,982.48      
  盈余公积转入                       -                   -                     -                   -                   
  可供分配的利润                     -                   3,143,500,093.02      -                   2,544,780,022.96    
  减:提取法定盈余公积               -                   -                     -                   -                   
  提取法定公益金                     -                   -                     -                   -                   
  提取一般准备                       -                   -                     -                   -                   
  可供股东分配的利润                 -                   3,143,500,093.02      -                   2,544,780,022.96    
  加:法定公益金转入                 -                   -                     -                   -                   
  减:应付优先股股利                 -                   -                     -                   -                   
  提取任意盈余公积                   -                   -                     -                   -                   
  应付普通股股利                     -                   508,950,000.00        -                   469,800,000.00      
  转作股本的普通股股利               -                   -                     -                   -                   
  未分配利润                         -                   2,634,550,093.02      -                   2,074,980,022.96    
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法定代表人:金   运       行长:傅建华          财务总监:黄建平       制表人:傅   能
    
    
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