| | | 2 24年A股银行员工增幅排行 | | | | | --- | --- | --- | --- | --- | --- | | 1,4 | 吸原你 | 2024年末在职 2023年末在职 员工(人) | 员工(人) | istinin | adie | | 1 | 南京银行 | 18045 | 16342 | 10. 42% | 1703 | | 2 | 浙商银行 | 25226 | 22895 | 10. 18% | 2331 | | 3 | 齐鲁银行 | 5675 | 5233 | 8. 45% | 442 | | 4 | 江苏银行 | 20780 | 19597 | 6. 04% | 1183 | | 5 | 青农商行 | 5832 | 5500 | 6. 04% | 332 | | 6 | 苏农银行 | 1975 | 1864 | 5. 95% | 111 | | 7 | 青岛银行 | 5312 | 5027 | 5. 67% | 285 | | 8 | 杭州银行 | 14409 | 13756 | 4. 75% | 653 | | 9 | 郑州银行 | 6180 | 5911 | 4. ...

Investment Rating - The investment rating for the company is "Buy" (maintained) [1] Core Views - The company reported a strong performance in Q1 2025, with operating income of 18.495 billion yuan (up 5.63% YoY) and net profit attributable to ordinary shareholders of 7.417 billion yuan (up 5.76% YoY) [4] - The total assets reached 3.40 trillion yuan (up 17.58% YoY), with a non-performing loan (NPL) ratio of 0.76% (unchanged QoQ) and a provision coverage ratio of 370.54% (down 18.81 percentage points QoQ) [4] - The net interest margin (NIM) for Q1 was 1.80% (down 10 basis points YoY) [4] - The company has shown strong growth in corporate loans, while personal loan growth remains constrained by demand [4] - Deposit growth has been robust, benefiting from regional economic conditions and fiscal support [4] - The company maintains a cautious approach to non-performing loan recognition and disposal, reflecting its prudent management philosophy [5] - Earnings forecasts have been adjusted, with expected operating income for 2025-2027 at 71.402 billion, 76.912 billion, and 84.322 billion yuan respectively [5] Summary by Sections Financial Performance - Q1 2025 operating income was 18.495 billion yuan, a 5.63% increase YoY, and net profit was 7.417 billion yuan, a 5.76% increase YoY [4] - Total assets reached 3.40 trillion yuan, up 17.58% YoY, with an NPL ratio of 0.76% [4] Loan and Deposit Growth - Corporate loan growth was strong, driven by good regional economic demand, while personal loans saw a slight decline [4] - Deposits grew significantly, outpacing M2 growth, supported by strong customer retention and fiscal policies [4] Interest Margin and Investment - The NIM for Q1 was 1.80%, reflecting a slight decrease due to market conditions [4] - Investment income was impacted by market fluctuations, but the company’s professional investment capabilities are expected to provide resilience [5] Asset Quality - The overall asset quality remains stable, with a cautious approach to recognizing and managing non-performing loans [5] - The company reported a provision for loan losses of 4.701 billion yuan, a record high for a single quarter, indicating a proactive stance on risk management [5] Earnings Forecast - Adjusted earnings forecasts for 2025-2027 predict operating income of 71.402 billion, 76.912 billion, and 84.322 billion yuan, with net profits of 29.211 billion, 31.598 billion, and 34.823 billion yuan respectively [5]

Investment Rating - The investment rating for the company is "Buy" (maintained) [1] Core Views - The company has shown significant growth in corporate credit, with a cautious approach to bad debt recognition and disposal [1] - The first quarter of 2025 saw a year-on-year increase in operating income of 5.63% to 18.495 billion yuan and a net profit attributable to ordinary shareholders of 7.417 billion yuan, up 5.76% year-on-year [4] - Total assets reached 3.4 trillion yuan, reflecting a year-on-year growth of 17.58% [4] - The non-performing loan (NPL) ratio remained stable at 0.76%, while the provision coverage ratio for bad loans decreased by 18.81 percentage points to 370.54% [4] Summary by Sections Financial Performance - Q1 operating income was 18.495 billion yuan, a 5.63% increase year-on-year, and net profit was 7.417 billion yuan, up 5.76% year-on-year [4] - Total assets reached 3.4 trillion yuan, marking a 17.58% increase year-on-year [4] - The NPL ratio was stable at 0.76%, with a provision coverage ratio of 370.54% [4][5] Loan and Deposit Growth - Corporate loans saw rapid growth, driven by strong demand in the region, while personal loans remained constrained [4] - The bank's deposit growth outpaced the M2 growth rate, benefiting from strong customer loyalty and favorable economic conditions [4] Interest Margin and Investment - The net interest margin for Q1 was 1.80%, down 10 basis points year-on-year [4] - The bank's financial investments also grew rapidly, driven by government financing [4] Asset Quality and Risk Management - The overall asset quality remained stable, with a cautious approach to bad debt disposal [5] - The bank's bad debt recognition and write-off efforts were significant, with a write-off ratio of 27.37% [5] Earnings Forecast and Valuation - The earnings forecast for 2025-2027 has been adjusted, with expected operating revenues of 71.402 billion, 76.912 billion, and 84.322 billion yuan respectively [5] - The forecasted net profits for the same period are 29.211 billion, 31.598 billion, and 34.823 billion yuan respectively [5] - The projected price-to-book ratios for 2025-2027 are 0.79, 0.72, and 0.65 respectively [5]

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening operational lines, strengthening professional management, accelerating technological transformation, and maintaining risk control [2]. Group 2: Asset Quality Outlook - The bank faces new challenges in asset quality management due to economic fluctuations and changes in domestic and international situations. It will focus on key areas while adhering to a strict risk bottom line, utilizing a unique service system to support economic priorities and implementing prudent credit policies [2]. Group 3: Loan Growth and Future Prospects - The company has been actively supporting key sectors such as small and micro enterprises, manufacturing, and consumer services, leading to steady loan growth. Future policies aimed at expanding domestic demand and promoting consumption are expected to further enhance financial service coverage and support the real economy [2]. Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured that all communications adhered to disclosure regulations, with no significant undisclosed information leaked [2].

活动开场，宝安区企业服务中心负责人介绍，宝安作为深圳的产业大区、制造强区、外贸大区，一直致力于通过全方位的支持促进企业国际化发展。加拿大 在先进制造、人工智能、生物技术和清洁能源等领域的优势，与宝安"17+2"产业集群高度契合，同时凭借其市场成熟度和消费潜力，是中国品牌的全球化之 路的理想起点和跳板。 近日，由宝安区人民政府联合粤港澳大湾区企业家联盟、加拿大多伦多天津总商会、深圳市天津商会、前海·出海e站通等共同主办的"2025宝安企业家与加 拿大经贸交流对接会"在宝安海纳百川大厦举行，活动吸引清洁技术、低空经济等多领域超百名企业家代表参加，宁波银行深圳分行受邀出席本次对接会。 对接会现场，宁波银行深圳分行国际业务部总经理助理黎慧分享了该行护航企业高质量出海的综合服务方案，以中企出海的新趋势开篇，系统解读了宁波银 行外汇金管家综合服务方案，针对进口企业、出口企业、对外投资企业、外商投资企业四大类客群，可为企业提供国际结算、外汇交易、海外融资等全新的 一站式跨境金融服务，为宝安区域的外贸企业"扬帆出海"保驾护航。 未来，宁波银行深圳分行将持续以创新为驱动，推动数字化服务与跨境业务场景深度融合，聚焦企业跨境金融需 ...

Group 1 - The Ningbo Bank's Snake Year Platinum Debit Card won the Best Security Payment Card award at the 2025 éLAN Awards, recognizing the bank's innovative financial product design and the fusion of traditional Chinese culture with modern financial craftsmanship [1][3] - The éLAN Awards, organized by the International Card Manufacturers Association (ICMA), are considered the "Oscars" of the card manufacturing industry, attracting top card manufacturers and issuers globally, with evaluations based on innovation, advanced technology, reliability, and industry impact [3][6] Group 2 - The card design is inspired by traditional Chinese culture, featuring intricate paper-cutting techniques that depict a golden snake entwined in a lotus flower, showcasing a blend of classic colors and festive elements [6][7] - The Snake Year Platinum Debit Card utilizes advanced technology and high-quality materials, ensuring durability and excellent resistance to wear and fading, while chip technology enhances security and protects against information leakage [7]

证券代码：002142 证券简称：宁波银行 公告编号：2025-022 优先股代码：140001、140007 优先股简称：宁行优01、宁行优 02 宁波银行股份有限公司 2024年年度股东大会决议公告 本公司及董事会全体成员保证信息披露内容的真实、准确、完整， 没有虚假记载、误导性陈述或重大遗漏。 特别提示： (一) 本次股东大会无否决议案的情况。 (二) 本次股东大会不存在变更前次股东大会决议的情况。 一、 会议召开情况 (一) 召开时间 1、现场会议召开时间：2025 年 5 月 19 日（星期一）下午 15:30。 2、网络投票时间：通过深圳证券交易所交易系统进行网络投 票的时间为 2025 年 5 月 19 日上午 9:15-9:25，9:30-11:30，下午 13:00-15:00；通过深圳证券交易所互联网投票系统投票的时间为 2025 年 5 月 19 日 9:15-15:00。 (二) 会议地点：宁波泛太平洋大酒店。 (三) 召开方式：采取现场投票与网络投票相结合的方式。 (四) 召集人：宁波银行股份有限公司（以下简称"公司"）董 1 事会。 (五) 主持人：公司董事长陆华裕先生。 (六) ...

致：宁波银行股份有限公司 浙江波宁律师事务所（以下简称"本所"）接受宁波银行股份有 限公司（以下简称"公司"）的委托，根据《中华人民共和国公司法》 （以下简称《公司法》）、《中华人民共和国商业银行法》《上市公 司股东会规则》《银行保险机构公司治理准则》等现行有效的法律、 行政法规、规范性文件和《宁波银行股份有限公司章程》（以下简称 "《公司章程》"）的有关规定，指派本所执业律师朱和鸽、何卓君 （以下简称"本所律师"）出席公司 2024 年年度股东大会，对本次 股东大会召开的合法性进行见证，并依法出具本法律意见书。 在本法律意见书中，本所律师对本次股东大会召集和召开程序、 出席本次股东大会会议人员的资格、本次股东大会审议议案的表决程 序、表决结果是否符合有关法律和公司章程的规定发表意见，并不对 本次股东大会所审议议案的内容以及该等议案所表述的事实和数据 的真实性和准确性发表意见。 本所律师同意将本法律意见书作为本次股东大会公告的法定文 件，随公司其他公告文件一并予以公告，并依法对本所出具的法律意 见书承担责任。 地址：中国宁波市高新区光华路 299 弄 37 号研发园 C 区 15 幢 4 楼 ADD：4F N ...

Group 1 - HSBC Jintrust Fund Management Co., Ltd. has signed an agreement with Ningbo Bank to add Ningbo Bank as a sales agency for certain open-end funds starting from May 19, 2025 [1] - Investors can perform account opening, subscription, redemption, and other services for the specified open-end funds at Ningbo Bank, following the bank's relevant regulations [1] - The specific sales platforms and business rules for each fund will be determined by Ningbo Bank, and promotional activities may be conducted based on market conditions [2] Group 2 - Investors can consult details through HSBC Jintrust's website or customer service, as well as Ningbo Bank's website and customer service [2] - The announcement clarifies that the addition of Ningbo Bank as a sales agency does not guarantee any specific investment returns or minimum yields for the funds [2] - Investors are advised to read the fund contract and prospectus carefully to understand the risk-return characteristics before making investment decisions [2]

Group 1 - The event organized by Longgang Market Supervision Administration and District Development and Reform Bureau focused on financing service needs for key enterprises in various sectors, including advertising and quality inspection [1][3] - Ningbo Bank Shenzhen Longgang Branch introduced financial products tailored to the "five major service industries," highlighting flexible loan amounts, favorable interest rates, and efficient approval processes [3] - The signing ceremony marked successful agreements between Ningbo Bank and enterprises, indicating a solid step in cooperation to address financing challenges and support business expansion [6] Group 2 - The interactive Q&A session allowed enterprise representatives to raise financing-related questions, which were addressed by Ningbo Bank's team, showcasing their expertise and commitment to service [5] - The event is part of a broader initiative to enhance financial services for the real economy, with plans for continued collaboration with key enterprises in Longgang District [6]