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浦发银行(600000)公告正文

浦发银行:2008年第一季度报告

公告日期 2008-04-26
股票简称:浦发银行 股票代码:600000
证券代码:600000 证券简称:浦发银行 
上海浦东发展银行股份有限公司2008年第一季度报告

    1重要提示
    1.1本公司董事会、监事会及其董事、监事、高级管理人员保证本报告所载资料不存在任何虚假记载、误导性陈述或者重大遗漏,并对其内容的真实性、准确性和完整性承担个别及连带责任。
    1.2公司董事尉彭城、牛汝涛因公务无法亲自出席会议,书面委托吉晓辉董事长、傅建华副董事长代行表决权,公司独立董事胡祖六、李扬因公务无法亲自出席会议,书面委托姜波克独立董事代行表决权。公司监事宋雪枫因公务无法亲自出席会议,书面委托刘海彬监事会主席代行表决权。
    1.3公司第一季度财务报告未经审计。
    1.4公司董事长吉晓辉、行长傅建华、财务总监黄建平及财务机构负责人傅能声明: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基本情况简介

股票简称                                                                        浦发银行
股票代码                                                                        600000
上市交易所                                                                      上海证券交易所
                                                                                中国上海市浦东新区浦东南路500号;
注册地址和办公地址
                                                                                中国上海市中山东一路12号
邮政编码                                                                        200002
公司国际互联网网址                                                              http://www.spdb.com.cn
电子信箱                                                                        bdo@spdb.com.cn

    2.2联系人和联系方式

                                                  董事会秘书                                                     证券事务代表
         姓名               沈思                                                         杨国平、吴蓉
      联系地址              中国上海市中山东一路12号                                     中国上海市中山东一路12号
         电话               021-63611226                                                 021-63611226
         传真               021-63230807                                                021-63230807
      电子信箱              shens2@spdb.com.cn                                           yanggp@spdb.com.cn;wur2@spdb.com.cn

    2.3主要会计数据及财务指标

                                                                                                                                        币种:人民币
                                                                                                                                           本报告期末
                                                                         本报告期末                                上年度期末              比上年度期
                                                                                                                                           末增减(%)
总资产(千元)                                                                     950,032,058.00                        914,980,346.00                 3.83
所有者权益(或股东权益)(千元)                                                    31,419,037.00                         28,297,868.00                11.03
归属于上市公司股东的每股净资产(元)                                                         7.21                                  6.50                10.92
                                                                             年初至报告期期末                               比上年同期增减(%)
经营活动产生的现金流量净额(千元)                                                                    -4,734,467.00                                  -167.30
每股经营活动产生的现金流量净额(元)                                                                          -1.09                                  -167.28
                                                                                                                                       本报告期比上
                                                                            报告期                                 年初至报告期期末            年
                                                                                                                                        同期增减(%)
归属于上市公司股东的净利润(千元)                                                   2,811,627.00                      2,811,627.00                   186.55
基本每股收益(元)                                                                           0.65                              0.65                   182.61

扣除非经常性损益后基本每股收益(元)                                  0.65                     0.65             182.61
稀释每股收益(元)                                             0.50(注)                      0.50           117.39
                                                                                                     增加5.13个百
全面摊薄净资产收益率(%)                                             8.95                     8.95
                                                                                                               分点
扣除非经常性损益后全面摊薄净资产收益率                                                               增加5.14个百
                                                                    8.96                     8.96
 (%)                                                                                                            分点
        非经常性损益项目                        报告期(千元)                     年初至报告期期末金额(千元)
营业外收入(税后)                    3,166.00                                                            3,166.00
营业外支出(税后)                    7,129.00                                                              7,129.00
合计                                  -3,963.00                                                            -3,963.00

    注:公司2007会计年度利润分配方案中“10股派送红股3股”的送股方案除权日为2008年4月24日,除权日结束后,公司股本总计5661347506股。按新股本摊薄计算,公司2008年一季度每股收益为0.50元。
    2.4报告期末股东总人数及前十名无限售条件股东持股情况表

                                                                                                          单位:股
报告期末股东总数(户)                                                                     123573
                                      前十名无限售条件流通股股东持股情况
                                                                           期末持有无限售条件
                          股东名称(全称)                                                               种类
                                                                              流通股的数量
上海国际集团有限公司                                                              331452690         人民币普通股
上海国际信托有限公司                                                              195750000         人民币普通股
CITIBANK OVERSEAS INVESTMENT CORPORATION                                          164563433         人民币普通股
上海上实(集团)有限公司                                                            142149574         人民币普通股
中国平安人寿保险股份有限公司-传统-普通保险产品                                  119770871         人民币普通股
中国平安人寿保险股份有限公司-分红-个险分红                                       74751100         人民币普通股
百联集团有限公司                                                                   61799700         人民币普通股
中国烟草总公司江苏省公司(江苏省烟草公司)                                         52305224         人民币普通股
交通银行-易方达50指数证券投资基金                                                 47978006         人民币普通股
中国工商银行-广发聚丰股票型证券投资基金                                           45460258         人民币普通股
 3银行业务信息与数据
     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                                           2008年3月31日                     2007年12月31日
总负债                                                       918,613,021                         886,682,478
存款总额                                                     803,498,068                         763,472,893
    其中:长期存款                                           170,103,181                         145,790,874
同业拆入总额                                                 4,404,903                             5,065,530
贷款总额                                                      578,666,489                        550,988,377
    其中:短期贷款                                           325,607,497                         310,706,707
           进出口押汇                                         3,261,488                            3,291,306
           贴现                                                19,937,066                         20,015,448
           中长期贷款                                         222,780,107                        210,018,846
           逾期贷款                                            1,038,814                             954,309
           呆滞贷款                                            6,034,141                           5,996,878
           呆帐贷款                                              7,376                                4,884


    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)长期存款包括长期存款、长期储蓄存款、存入长期保证金;
    (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               本报告期末          2007年年末
                                                                       期末         平均       年末       平均
  总资产收益率                                                             1.18        1.21       0.60        0.69
  资本充足率                                               ≥8             9.04        9.10       9.15        8.96
  核心资本充足率                                           ≥4             5.14        5.08       5.01        5.16
  不良贷款比例                                                             1.38        1.42       1.46        1.67
                                    人民币                ≥25            46.26       42.93      39.60       40.97
  资产流动性比率
                                    外币                   ≥60           24.27       41.28      58.29       83.69
                                    人民币                 ≤75           69.76       70.00      70.24       72.55
  存贷比
                                    外币                   ≤85           65.43       59.83      54.22       45.59
                                    拆入资金比             ≤4             0.39        0.40       0.40        0.43
  拆借资金比例
                                    拆出资金比             ≤8             1.92        1.60       1.27        0.92
  利息回收率                                                 -            98.79       98.87      98.94       99.68
  单一最大客户贷款比例                                     ≤10            4.05        4.13       4.21        3.82
  最大十家客户贷款比例                                     ≤50           27.63       28.28      28.93       30.47
  拨备覆盖率                                                             202.06      196.57     191.08      167.41
  成本收入比                                                              34.25       36.44      38.62       36.97

    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%
            正常类                                        560,811,715                                    96.92
            关注类                                          9,857,635                                     1.70
            次级类                                          2,293,680                                     0.40
            可疑类                                          3,360,107                                     0.58
            损失类                                          2,343,352                                     0.40
            合   计                                       578,666,489                                      100

    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                   2,751,399                                  ----                ----
    其他应收款                 6,521,843                                  284,102             个别认定法


    4重要事项
    4.1公司主要会计报表项目、财务指标大幅度变动的情况及原因                                                  □适用√不适用
    4.2重大事项进展情况及其影响和解决方案的分析说明                                                          □适用√不适用
    4.3公司、股东及实际控制人承诺事项履行情况                                                                □适用√不适用
    4.4预测年初至下一报告期期末的累计净利润可能为亏损或者与上年同期相比发生大幅度变动的警示及原因说明
    与上年同期相比发生大幅度变动的主要因素为公司资产规模增长、利差提高、非利息收入增长、有效所得税率降低、资产质量持续优化、拨备计提减少等。

                                                                                                         上海浦东发展银行股份有限公司
                                                                                                                  法定代表人:吉晓辉
                                                                                                              二〇〇八年四月二十四日

5附录
                                                  资产负债表
                                            (2008年3月31日)
                                                                     单位:元币种:人民币审计类型:未经审计
                    项目                                    期末余额                          年初余额
资产:
 现金及存放中央银行款项                                        136,002,502,661.16          141,423,925,576.30
 存放同业款项                                                    8,725,767,716.87            3,810,842,469.00
 拆出资金                                                       21,354,668,958.45           17,662,822,658.45
 交易性金融资产                                                  2,989,021,020.00            3,816,223,715.65
 衍生金融资产                                                      713,642,621.07              347,574,500.13
 买入返售金融资产                                               78,531,155,222.76           80,992,091,129.62
 应收利息                                                        2,751,399,272.90              2,195,426,809.71
 待摊利息                                                           26,096,033.30                   15,208,638.35
 发放贷款和垫款                                                578,666,488,997.25              550,988,377,398.44
 减:贷款损失准备                                             16,159,008,772.54               15,330,731,791.18
可供出售金融资产                                                10,957,912,038.21               88,784,133,139.72
持有至到期投资                                                  85,989,714,228.05                               -
 分为贷款和应收款类投资                                       22,455,129,727.79               22,384,546,191.70
 长期股权投资                                                      870,200,243.75              853,855,671.65
 固定资产                                                        7,955,237,326.76              7,920,142,720.90
 减:累计折旧                                                    2,550,788,664.53              2,413,126,356.93
 在建工程                                                           33,775,688.20                 29,018,753.90
 无形资产                                                          228,136,699.77                  239,584,687.75
 长期待摊费用                                                      491,002,604.41                  524,031,866.32
 待处理抵债资产                                                  1,362,701,685.69                1,363,862,770.69
 减:抵债资产减值准备                                              787,095,868.64                  775,309,559.71
 递延所得税资产                                           2,984,469,329.25                      2,894,604,577.98
 其他资产                                                        6,439,929,261.07                7,253,240,449.77
资产总计                                                       950,032,058,031.00              914,980,346,018.21
负债:
 向中央银行借款                                                                 -                   10,000,000.00
 同业及其他金融机构存放款项                                     58,715,648,258.55               61,081,313,852.51
 拆入资金                                                        4,404,903,290.00                5,065,529,700.00
 衍生金融负债                                                      911,929,950.10                  532,647,822.79
 卖出回购金融资产款                                              3,043,657,402.40                2,806,110,213.43
 吸收存款                                                      803,498,068,195.37              763,472,893,438.82
 汇出存款                                                          704,401,568.08                4,414,311,691.16
 应付职工薪酬                                                    4,806,759,157.52                6,291,059,359.59
 应交税费                                                        4,920,462,358.38                3,739,172,338.00
 应付利息                                                        5,414,048,782.92                4,293,982,991.32
 应付股利                                                          710,581,685.85                   38,484,969.28
 其他应付款                                                      7,106,492,731.68                8,685,235,046.39

   递延收益                                                        562,454,216.20                 553,197,675.71
   应付债券                                                     17,600,000,000.00              17,600,000,000.00
   长期应付款                                                    6,000,000,000.00               6,000,000,000.00
   其他负债                                                        213,613,739.77               2,098,538,931.33
  负债合计                                                     918,613,021,336.82             886,672,478,030.33
  所有者权益(或股东权益):                                                                 
   股本                                                          4,354,882,697.00               4,354,882,697.00
   资本公积                                                     10,307,313,326.96               9,300,990,012.99
   其中:可供出售金融资产未实现损益                                 -26,083,647.60             -1,032,406,961.57
   盈余公积                                                      5,611,900,096.42               5,611,900,096.42
   一般风险准备                                                 6,400,000,000.00               6,400,000,000.00
   未分配利润                                                    4,744,940,573.80               2,630,095,181.47
  所有者权益(或股东权益)合计                                  31,419,036,694.18              28,297,867,987.88
  负债和所有者权益(或股东权益)总计                          950,032,058,031.00             914,980,346,018.21

    公司法定代表人:吉晓辉                     行长:傅建华              主管会计工作负责人:黄建平                            会计机构负责人:傅能

                                                  利   润     表
                                               (2008年1-3月)
                                                                      单位:元币种:人民币审计类型:未经审计
                         项目                                     本期金额                     上年同期金额
 一、营业收入                                                        8,037,934,609.16             5,287,984,545.58
 利息净收入                                                          7,549,943,075.29             5,073,955,811.52
 利息收入                                                           13,079,973,359.70             7,926,936,379.47
 利息支出                                                            5,530,030,284.41             2,852,980,567.95
 手续费及佣金净收入                                                    379,195,366.08               152,521,194.83
 手续费及佣金收入                                                      498,666,795.65               232,972,855.69
 手续费及佣金支出                                                      119,471,429.57                80,451,660.86
 投资收益(损失以“-”号填列)                                         19,877,341.93                 2,902,931.67
 其中:对联营企业和合营企业的投资收益                                   19,134,572.10                 2,902,931.67
 公允价值变动收益(损失以“-”号填列)                                -12,126,839.40               -22,264,676.11
 汇兑收益(损失以“-”号填列)                                        49,651,417.81                55,705,645.47
 其他业务收入                                                           51,394,247.45                25,163,638.20
 二、营业支出                                                        4,341,997,032.89             3,599,519,055.12
 营业税金及附加                                                       586,068,568.65               379,936,079.93
 业务及管理费                                                        2,708,387,690.40             1,798,511,161.79
 资产减值损失                                                        1,003,040,365.28             1,421,071,813.40
 其他业务成本                                                           44,500,408.56                            -
 三、营业利润(亏损以“-”号填列)                                  3,695,937,576.26             1,688,465,490.46
 加:营业外收入                                                          4,221,120.38                   690,172.95
 减:营业外支出                                                          9,505,031.97                 1,790,855.68
 四、利润总额(亏损总额以“-”号填列)                              3,690,653,664.67             1,687,364,807.73
 减:所得税费用                                                        879,027,040.82               706,175,532.27
 五、净利润(净亏损以“-”号填列)                                  2,811,626,623.85               981,189,275.46
 六、每股收益:
 (一)基本每股收益                                                              0.65                         0.23
 (二)稀释每股收益                                                              0.50                         0.23
公司法定代表人:吉晓辉          行长:傅建华        主管会计工作负责人:黄建平              会计机构负责人:傅能

                                                   现金流量表
                                                                      单位:元币种:人民币审计类型:未经审计
                                                                       本期金额                  上年同期金额
                             项目
                                                                     (2008年1-3月)            (2007年1-3月)
 一、经营活动产生的现金流量:
 客户存款和同业存放款项净增加额                                        37,659,509,162.59          5,873,126,147.76
 向中央银行借款净增加额                                                      -10,000,000                        —
 向其他金融机构拆入资金净增加额                                         1,319,504,339.57         11,014,109,670.19
 收取利息、手续费及佣金的现金                                          12,733,327,635.05          8,296,571,712.07
 收到其他与经营活动有关的现金                                           1,748,260,348.70         31,438,879,774.09
 经营活动现金流入小计                                                  53,450,601,485.91         56,622,687,304.11
 客户贷款及垫款净增加额                                                27,678,111,598.81         34,878,611,543.55
 存放中央银行和同业款项净增加额                                        14,420,191,792.02          5,525,450,869.28
 支付手续费及佣金的现金                                                 6,099,920,054.94          2,497,284,054.46
 支付给职工以及为职工支付的现金                                         2,100,560,760.51          1,216,037,212.35
 支付的各项税费                                                           750,654,287.32            800,177,934.65
 支付其他与经营活动有关的现金                                           7,135,630,444.66          4,670,558,688.09
 经营活动现金流出小计                                                  58,185,068,938.26         49,588,120,302.38
 经营活动产生的现金流量净额                                            -4,734,467,452.35          7,034,567,001.73
 二、投资活动产生的现金流量:
 收回投资收到的现金                                                    19,958,619,303.15         51,181,833,812.00
 取得投资收益收到的现金                                                               —                        —
 收到其他与投资活动有关的现金                                               2,291,585.00                339,359.82
 投资活动现金流入小计                                                  19,960,910,888.15         51,182,173,171.82
 投资支付的现金                                                        27,317,679,212.49         82,598,270,519.00
 购建固定资产、无形资产和其他长期资产支付的现金                            61,959,728.86             66,056,585.93
 支付其他与投资活动有关的现金
 投资活动现金流出小计                                                  27,379,638,941.35         82,664,327,104.93
 投资活动产生的现金流量净额                                            -7,418,728,053.20        -31,482,153,933.11
 三、筹资活动产生的现金流量:
 吸收投资收到的现金                                                                   —                        —
 发行债券收到的现金                                                                   —                        —
 收到其他与筹资活动有关的现金                                                         —                        —
 筹资活动现金流入小计                                                                 —                        —
 偿还债务支付的现金                                                                   —                        —
 分配股利、利润或偿付利息支付的现金                                                   —                        —
 支付其他与筹资活动有关的现金                                                         —                        —
 筹资活动现金流出小计                                                                 —                        —
 筹资活动产生的现金流量净额                                                           —                        —
 四、汇率变动对现金及现金等价物的影响                                                 —                   —
 五、现金及现金等价物净增加额                                     -12,153,195,505.55            -24,447,586,931.38
 加:期初现金及现金等价物余额                                   70,858,927,348.80                84,556,156,634.93
 六、期末现金及现金等价物余额                                   58,705,731,843.25                60,108,569,703.55
公司法定代表人:吉晓辉          行长:傅建华        主管会计工作负责人:黄建平              会计机构负责人:傅能
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