1、ciples of integrity, professionalism, customer service and efficiency, orienting all staff to building a competitive bank that customers can have great faith in. 5Annual report 2008 Shenzhen Development Bank2008 was the first year that the new session of the Board of Directors was in place for the f
2、ull year, and the Bank benefited a great deal from directors very productive and professional guidance. The Board of Supervisors also performed diligent contributions. We believe the high standards set by the Board for the Bank have prompted us all to achieve more.The guidance from regulatory author
3、ities was also essential for the Bank to achieve what it has in 2008, from capital raising, adaptation to economic conditions, to conquering of historical NPLs.As we look ahead in 2009, we are fully aware of new challenges. But starting with the momentum which brought the Bank out of the most challe
4、nging periods, we are confident that we can overcome obstacles and usher in an even brighter future. The Bank is addressing the economic uncertainties, the challenges faced by businesses and individuals, and the implications of policy changes as in 2009. The objective is to maintain the Bank in the
5、right position to achieve healthy growth in light of the economic environment. While playing its role to support the economy, the Bank will continue high attention to its credit soundness as it works on building strength in key strategic areas, including developing and remodeling its outlet network,
6、 effective investment in IT infrastructure, training, and further streamlining processes in both operations and management. On this occasion of sharing reports of progress, we also extend our sincere thanks to shareholders for your trust and support. We are happy about progress the Bank has made in
7、the past and we will continue strong efforts towards further success. Frank N. NewmanChairman (CEO)Xiao SuiningDirector and President Xiao Suining621 March SDB issued RMB6.5 billion in subordinated debt on the National Interbank Bond Market. As at 31 March 2008, the Banks capital adequacy ratio was
8、8.41%, meeting the 8% minimum regulatory requirement for the first time during the past 5 years, and the core capital adequacy ratio was 5.71%.12 May After the disaster of Sichuan earthquakes in Wenchuan , the Bank provided great supports on rescue and revitalization. The Bank, the employees, the Bo
9、ards of directors and supervisors and the major shareholder donated in total more than RMB 15 million and sponsored the construction project of Yutang Primary School at Dujiangyan. April SDB launched The Provision of Civilised and Standardised Services to Welcome the Beijing Olympic Games campaign.
10、The campaign promoted quality financial services for the Games and tested the Banks customer service capabilities, which led to an improvement in the service provided to customers.April The Woodpecker Risk Control Suggestion and Reward Fund was launched, encouraging all employees to develop ideas to
11、 guard against risk.July Project Excellence, part of an internal restructuring exercise, commenced. This project was jointly conducted by the management consulting firm McKinsey & Company and the SDB project team. As at the end of November, the framework of each item in the project has been complete
12、d. The management office for Project Excellence” was opened in early December.March May JulyJuneAprilMilestones in 2008June SDB started the restructuring of its business flow at the branch level. This programme was conducted in cooperation with the consulting firm Bain & Company and the Banks projec
13、t team. Eleven businesses, including discounted bills, completed the restructuring process during the year. In August, the organisation adopted a vertical structure that helps the Bank support its across-the-board business continuity and development.27 June The Banks SFC2 warrants expired with an ex
14、ercising ratio of 91.42% for a total of approximately RMB1.8 billion. All proceeds after relevant charges were credited to the core capital.7Annual report 2008 Shenzhen Development Bank19 September The Board of Directors announced that SDB did not have any investment in subprime debts in the United
15、States nor did it have any investment in any bonds issued by Lehman Brothers or any other American financial institution. The subprime crisis and the recent problems of the financial institutions in the US did not have any direct impact on the operations of SDB.24 October The bank issued 1.5 billion
16、 of subordinated debt in the national interbank bond market.October The Bank implemented its 2008 interim dividend plan by issuing 3 bonus shares for every 10 shares held and a cash dividend of RMB0.335 (with tax). As a result, the aggregate issued share capital was 3,105,433,762 shares.August SDB w
17、as granted licenses to run a securities investment fund custody business by the China Securities Regulatory Commission and China Banking Regulatory Commission.28 December SDB celebrated its 21st anniversary with the Tian Ji Wealth Management New Year Concert. The Bank also organised a walkathon in c
18、elebration of the 30th anniversary of Chinas reform and opening-up, which was held in cooperation with Shenzhen Satellite TV Station.December During the fourth quarter of 2008, following the macro-economic measures to protect the economy, stimulate the growth and expand the expenditure, the Bank rea
19、ligned the credit policy to lend out quality loans and ensure the business grow steadily.December SDB had made special large provisions and write-off in response to the request by Chinas regulatory authority in the fourth quarter of 2008 on dealing with the economic and financial situation in China
20、and overseas. This enabled the Bank to resolve large amounts of legacy non-performing loans created before 2005.AugustSeptemberOctober NovemberDecember19 November SDBs Peking University Scholarship and 2009 Campus Recruitment Kickoff Ceremony was held at Peking University.21-22 November The 7th SDB
21、Technical Skill Competition was held in Shenzhen, with nearly 300 employees from 19 branches participating in 7 competitive events.拾z拾缝总数的25环进行抽查.每条焊缝至少10%射线探伤，也可按不少于环缝总数的10%进行抽查。可免查T引1引州习品不合格。6.3型式检验:6.3.1当有下列情况之一时，应进行型式检验:a)新产品试制鉴定;h)正式生产后，在设计、工艺或材料上有较大改进，可能影响产品性能时;c)停产1年以_匕恢复生产时;d)质量认证或质量仲裁需要时;e)
22、制药生产企业进行设备验证时6.3.2型式检验的样机应在出厂检验合格的产品中按GB/T10lll规定的方法抽取10%，检测一之、【习。6.3.3型式检验项目检验项目为第4章的全部要求。6.3.4判定规则型式检验中若电气安全性能有一项不合格，即判定该产品型式检验不合格。若其他项有一项不合格时，应加倍复验不合格项，如仍不合格，则判定该产品型式检验不合格。7标志、使用说明书、包装、运输与储存7.1标志属于常压容器的结晶器其标牌应符合JB/T4735的规定;属于压力容器的结晶器其标牌应符合GB巧0的规定;归压力容器安全技术监察规程管辖的结晶器其标牌还应符合压力容器安全技术监察规程的有关规定。7.2使用说
23、明书使用说明书应符合GB9969.1的有关规定。内容应包含: 日期： 焲焲押物业权益转让给担保人，担保人对该抵押物业的处理，与抵押权人无涉。四、本合约由各方签署，经_ 市公证处公证，由抵押人签署提款通知书交于抵押权人收执并经抵押权人已收齐全部贷款文件后二天内，抵押权人须将贷款金额全数以抵押人购楼款名义存入售房单位指定帐户，否则抵押权人须偿付利息予担保人，利息计算按第五条第一项办理，由于抵押人或担保人出现各种导致抵押权人未能贷出款项的情况发生，抵押权人概不负责，且有关各项费用恕不退还。第十五条 其 他一、对本合约内任何条款，各方均不得以口头形式或其他形式修改、放弃、撤销或终止。二、在本合约履行期
24、间，抵押权人对抵押人任何违约或延误行为施以的任何宽容，宽限或延缓履行本合约享有的权益和权力，均不能损害，影响或限制抵押权人依本合约和有关法律规定的债权人应享有一切权益和权力。三、抵押人如不履行本合约所载任何条款时，抵押权人可不预告通知，将抵押人存在抵押权人处的其他财物自由变卖，以抵偿债务；如抵押人尚有其他款项存在抵押权人处，抵押权人亦可拨充欠数。的要求，局纪检干部签订了甘肃省纪检监察干部作风建设承诺书。三是组织纪检干部参加业务知识学习，提高履职能力。四是在全系统中开展了作风整顿活动，防止了伤害职工群众感情、漠视职工群众疾苦、损害职工群众利益以及违背政务诚信、商务诚信等行为的发生。五是主动深入基
25、层，切实维护和发展职工权益。按照总工会“面对面、心贴心、实打实服务职工在基层”活动的要求，围绕服务职工、做好职工群众工作这个主题，纪检干部走访困难及离岗职工家庭 70 多户，召开各种类型的座谈会 4 次，将系统内 60 多名生活特别困难职工推荐给市总工会予以救助，有效地维护了职工队伍的稳定。三、存在的问题和改进措施一是个别党员领导干部廉洁自律的自觉性还有待于进一步提高，思想认识不到位，还需加大教育与监督的力度;二是个别单位还存在被动应付的现象，抓落实的主动性不够。存在这些问题的原因有以下三点：一是学习教育不够，认识不深;二是认为身处清水衙门，并无腐败土壤，谈不上腐败;三是制度的执行力不够。为了
26、不断推进全系统党风廉政建设和反腐败工作纵深开展，XX 年，市粮食局党委、纪委将按照中央、省、市的统一部署和要求，在继承中发展，在改革中创新。一是落实主体责任，积极探索建立权利运行制约监督机制;二是聚焦中心任务，突出强化粮食工作重点决策部署贯彻落实情况的监督检查;三是严肃各项纪律，着力加强对党员干部的教育监督管理;四是加大惩戒力度，严肃查处党员干部违反党纪政纪的案件;五是转变工作职能，不断提升纪检监察干部综合素质。1 证券代码： 000001 证券简称：深发展 A 公告编号： 2009-013 深圳发展银行股份有限公司 2009年第一季度报告 1 重要提示 本行董事会、监事会及董事、监事、高级管
27、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。 本行第七届董事会第14次会议审议了本行2009年第一季度报告。本次董事会会议实到董事13人。董事马雪征因事未参加会议，委托董事刘伟琪行使表决权。本行董事会会议一致同意此报告。 本行董事长兼首席执行官法兰克纽曼、行长肖遂宁、首席财务官王博民、会计机构负责人李伟权保证季度报告中财务报告的真实、完整。 本行本季度财务报告未经正式审计，但安永华明会计师事务所对个别项目及财务报表编制流程执行了商定程序。 2 公司基本情况 2.1 主要会计数据及财务指标 （货币单位： 人民币千元）
28、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 521,879,398 474,440,173 10.00%所有者权益（或股东权益） 17,072,129 16,400,790 4.09%每股净资产 (元 ) 5.50 5.28 4.09%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 2,706,389 -29.26%每股经营活动产生的现金流量净额（元） 0.87 -47.90%报告期 年初至报告期期末 上年同期 本报告期比上年同期增减（ %） 营业收入 3,760,604 3,760,604 3,553,270 5.84%净利润 1,122,077
29、1,122,077 1,004,182 11.74%基本每股收益（元） 0.36 0.36 0.34 5.88%稀释每股收益（元） 0.36 0.36 0.33 9.09%扣除非经常性损益后的基本每股收益 0.36 0.36 0.33 9.09全面摊薄净资产收益率 （未 6.57 6.57 7.15 -0.58 个百分点2 经年化） 平均净资产收益率（年化） 24.07 24.07 26.75 -2.68 个百分点扣除非经常性损益后的净资产收益率（未经年化） 6.56 6.56 7.10 -0.54 个百分点非经常性损益项目 年初至报告期期末金额 非流动性资产处置损益 514或有事项产生的损益
30、 3,680单独进行减值测试的应收款项减值准备转回 1,344投资性房地产公允价值变动 (2,458)除上述各项以外的其他营业外收入和支出 (708)以上调整对所得税的影响 (475)合计 1,897注：截至 2009 年 3 月 31 日，本行总股数为 310,543 万股；截至 2008 年 3 月 31 日的总股数为 229,341 万股。根据企业会计准则 2006规定，因派发股票股利增加股份数量的，应当按照调整后的股数重新计算各列报期间的每股收益。上表中 2008 年第一季度的基本每股收益和稀释每股收益为调整后数据， 调整前当期披露的基本每股收益和稀释每股收益分别为 0.44 元和 0
31、.43 元。本行 2009 年 1-3 月非经常性损益根据中国证券监督管理委员会公告2008 年第 43 号 公开发行证券的公司信息披露解释性公告第 1 号 -非经常性损益的定义计算，上年同期数据同口径调整。本报告中与之相关的指标均已进行调整。 2.2 商业银行主要会计数据 （货币单位： 人民币千元） 项 目 2009 年 3 月 31 日 2008 年 12 月 31 日 2007 年 12 月 31 日 报告期末比上年末增减 一、资产总额 521,879,398 474,440,173 352,539,361 10.00%其中：以公允价值计量且其变动计入当期损益的金融资产 1,564,16
32、7 332,192 1,769,441 370.86%持有至到期投资 19,218,740 15,584,755 15,911,486 23.32%贷款和应收款 409,129,087 363,900,753 270,791,277 12.43%可供出售金融资产 46,323,264 48,799,716 17,850,892 -5.07%其他 45,644,140 45,822,757 46,216,265 -0.39%二、负债总额 504,807,269 458,039,383 339,533,298 10.21%其中：以公允价值计量且其变动计入当期损益的金融负债 75,681 98,01
33、8 1,501,830 -22.79%同业拆入 19,551,590 7,380,000 2,300,000 164.93%吸收存款 400,659,298 360,514,036 281,276,981 11.14%其他 84,520,700 90,047,329 54,454,487 -6.14%三、股东权益 17,072,129 16,400,790 13,006,063 4.09%四、存款总额 400,659,298 360,514,036 281,276,981 11.14%3 其中：公司存款 334,962,266 302,309,165 240,370,951 10.80%零售存款 65,697,032 58,204,871 40,906,030 12.8
