Investment Rating - The investment rating for Ningbo Bank is "Buy" and it is maintained [5]. Core Views - Ningbo Bank reported a revenue of 18.5 billion yuan in Q1 2025, representing a year-on-year growth of 5.63%, and a net profit attributable to shareholders of 7.4 billion yuan, also up by 5.76% year-on-year [1][2]. - The bank's asset quality continues to improve, with a non-performing loan (NPL) ratio of 0.76% and a provision coverage ratio of 370.54% as of the end of Q1 2025, indicating stable risk compensation capabilities [3]. - The bank is expected to maintain high growth in both deposits and loans, with projections for revenue and profit growth of 8.36% and 8.19% respectively for 2025 [4]. Performance Summary - Revenue and net profit growth rates for Q1 2025 were 5.63% and 5.76%, respectively, which are slightly lower than the previous year's growth rates [2]. - Net interest income increased by 11.59% year-on-year, although the net interest margin decreased to 1.80%, down by 6 basis points from the previous year [2]. - Fee and commission income decreased by 1.32% year-on-year, while other non-interest income fell by 7.18% [2]. Asset Quality - The NPL generation rate for Q1 2025 was 1.09%, showing a decline of 8 basis points from the previous quarter, continuing a downward trend since Q1 2024 [3]. - The bank's write-off amount for Q1 2025 was 3.05 billion yuan, with recoveries amounting to 670 million yuan [3]. Asset and Liability Management - As of Q1 2025, total assets and loans reached 3.40 trillion yuan and 1.64 trillion yuan, respectively, with year-on-year growth rates of 17.58% and 20.41% [4]. - Total deposits amounted to 2.18 trillion yuan, reflecting a year-on-year increase of 19.92% [4].

Group 1 - The core point of the article highlights that Ningbo Bank achieved a net profit attributable to shareholders of the parent company of 7.417 billion yuan in Q1 2025, representing a year-on-year growth of 5.76% [1] - The bank reported an operating income of 18.495 billion yuan in the same period, which is a year-on-year increase of 5.63% [1]

进入4月末，区域性银行纷纷交出2024"成绩单"。截至发稿，17家A股上市城商行中，仅有成都银行 （601838）、西安银行（600928）、厦门银行（601187）、贵阳银行（601997）年报尚待正式发布。 报告数据显示，截至2024年末，资产规模达到两万亿元以上的城商行已有6家，分别为北京银行 （601169）、江苏银行（600919）、上海银行（601229）、宁波银行（002142）、南京银行 （601009）、杭州银行（600926）。其中，北京银行资产总额达到4.22万亿元，较2023年增长12.61%。 杭州银行资产总额2.11万亿元，同比增长14.72%，首次突破两万亿元。 成都银行、长沙银行（601577）也属于"万亿俱乐部"。重庆银行（601963）、苏州银行（002966）、青 岛银行（002948）、齐鲁银行（601665）资产规模均保持10%以上的高速增长。 除A股上市城商行外，2024年，徽商银行实现营业收入371.28亿元，同比增长2.10%，实现净利润159.17 亿元，同比增长6.18%；哈尔滨银行2024年实现营业收入142.43亿元，同比增长7.56%，实现归母净利润 ...

数据四舍五入，查看更多财务数据>> 二、前10名无限售条件股东持股情况 一、主要会计数据和财务指标 | 报告期指标 | 2025年一季报 | 2024年一季报 | 本年比上年增减(%) | 2023年一季报 | | --- | --- | --- | --- | --- | | 基本每股收益（元） | 1.1200 | 1.0600 | 5.66 | 1.0000 | | 每股净资产（元） | 31.83 | 28.07 | 13.4 | 24.16 | | 每股公积金(元) | 5.7 | 5.7 | 0 | 5.7 | | 每股未分配利润(元) | 16.63 | 14.19 | 17.2 | 11.82 | | 每股经营现金流(元) | - | - | - | - | | 营业收入(亿元) | 184.95 | 175.09 | 5.63 | 165.53 | | 净利润(亿元) | 74.17 | 70.13 | 5.76 | 65.98 | | 净资产收益率(%) | 3.55 | 3.88 | -8.51 | 4.23 | | 名称 | 持有数量(万股) | 占总股本比例(%) | 增减情况(万股 ...

Group 1 - The resignation of Jin Yu as chairman of Shanghai Bank due to age marks a significant leadership change, with Gu Jianzhong appointed as the new party secretary [2] - Wang Liang, the chairman of China Merchants Bank, reported a slight decline in operating income for 2024, while net profit showed a modest increase, reflecting the challenges faced by the banking sector [4][6] - Gao Yingxin, chairman of Minsheng Bank, reported the worst performance in nearly a decade, with a significant drop in both operating income and net profit, despite being the highest-paid executive in the A-share listed banks [8][9] Group 2 - Lu Jianqiang, chairman of Zheshang Bank, introduced the concept of "good financial practices" as a guiding principle for the bank's operations, emphasizing a new financial paradigm [9][11] - The upcoming retirement of several bank executives, including those from major banks, is expected to lead to a wave of leadership changes that could impact strategic direction and corporate culture [22][23] - The implementation of an elastic retirement policy starting in 2025 may allow banks to retain key executives beyond the statutory retirement age, potentially stabilizing leadership during transitions [27]

Core Viewpoint - Banks are becoming the preferred choice for young investors seeking gold, as they offer more flexible and accessible investment options compared to traditional gold shops [2][3]. Group 1: Market Trends - Recent fluctuations in international gold prices have sparked a surge in interest among young investors, with COMEX gold futures and London spot gold reaching historical highs of over $3500 per ounce before experiencing a pullback [2]. - Many investors are utilizing bank apps as "digital gold stores," engaging in activities such as accumulating gold, trading gold ETFs, and frequently exchanging for physical gold [2][3]. Group 2: Banking Sector Response - Banks have seen a significant increase in gold trading volumes, with Minsheng Bank reporting a gold trading volume of 2405.66 tons and a transaction amount of 13494.98 billion yuan in its 2024 financial report [3]. - In response to the influx of investors, several banks have raised the minimum purchase thresholds for gold accumulation products, with new thresholds ranging from 800 to 1000 yuan [4]. Group 3: Product Availability - Some banks have experienced intermittent shortages or pauses in the availability of physical gold products, with reports of certain gold items being sold out or requiring advance reservations for purchase [5][7]. - The demand for physical gold has led to temporary closures of purchasing channels for certain gold products at banks, indicating a strain on supply [7]. Group 4: Financial Performance - The total precious metal asset scale of 18 listed banks reached 7708.78 billion yuan by the end of 2024, marking a 70.2% increase from the end of 2023 [10]. - Major state-owned banks have shown significant growth in their precious metal asset scales, with the combined total for ICBC, Bank of China, CCB, and ABC reaching 6415 billion yuan, a growth of approximately 83.23% [10]. Group 5: Revenue Generation - The surge in gold trading has positively impacted banks' non-interest income, with banks earning from various fees associated with gold accumulation products, including transaction fees and price differentials [12]. - Banks are actively optimizing their gold trading services, extending trading hours and promoting gold accumulation products to enhance customer engagement [12][13]. Group 6: Technological Advancements - Banks are leveraging technology to improve gold trading processes, with initiatives to develop intelligent systems for efficient order processing and market analysis [13]. - Digital tools are being utilized to enhance customer service and product offerings in the gold market, reflecting a shift towards more tech-driven solutions in banking [13].

宁波银行股份有限公司 2025 年第一季度第三支柱报告 根据国家金融监督管理总局《商业银行资本管理办法》（国家金融监督管理总局令 2023 年第 4 号）要求，本公司编制并披露 2025 年第一季度三支柱报告。 本报告按照国家金融监督管理总局等监管要求编制，而上市公司财务报告按照中国会计准则进行 编制。因此，本报告部分披露内容并不能与本行上市公司财务报告直接进行比较。 1.监管并表关键审慎监管指标 根据《商业银行资本管理办法》计算的集团关键审慎监管指标结果如下表所示： 表格 KM1：监管并表关键审慎监管指标 单位：人民币百万元 | | | a | b | c | d | | | e | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | 2025 年 | 2024 年 | 2024 年 | 2024 年 | | 2024 | 年 | | | | 3 月 31 日 | 12 月 31 日 | 9 月 30 日 | 6 月 30 | 日 3 | 月 31 | 日 | | 可用资本（数额） | | | | | | | | | | 1 核心一级资 ...

宁波银行股份有限公司 2024 年年度股东大会会议材料 （股票代码：002142） 公司 2024 年度董事会工作报告的具体内容请参见公司于 2025 年 4 月 10 日在巨潮资讯网（http://www.cninfo.com.cn）披露的 报告全文。 1 宁波银行股份有限公司 2024 年年度股东大会会议材料 目录 | 材料一：宁波银行股份有限公司 | 2024 | 年度董事会工作报告 | 1 | | --- | --- | --- | --- | | 材料二：宁波银行股份有限公司 | 2024 | 年年度报告 | 2 | | 材料三：宁波银行股份有限公司 | 2024 | 年财务决算报告和 2025 年财务预算计划.. | 3 | | 材料四：宁波银行股份有限公司 | 2024 | 年度利润分配方案 | 5 | | 材料五：关于续聘外部审计机构的议案 | | | 6 | | 材料六：宁波银行股份有限公司 | 2024 | 年关联交易执行情况及 2025 年工作计划. | 11 | | 材料七：宁波银行股份有限公司 | 2024 | 年度监事会工作报告 | 21 | | 材料八：宁波银行股份有限公司 | ...

股东大会召开日期：2025 年 5 月 19 日。 宁波银行股份有限公司(以下简称"公司") 2024 年年度股东 大会定于 2025 年 5 月 19 日 15:30 召开，会议有关事项如下： 证券代码：002142 证券简称：宁波银行 公告编号：2025-020 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 关于召开 2024 年年度股东大会通知的公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整， 没有虚假记载、误导性陈述或重大遗漏。 重要提示： 一、 召开会议基本情况 1.股东大会届次：2024 年年度股东大会。 2.股东大会的召集人：公司董事会。公司第八届董事会第十 次会议审议通过了《关于召开宁波银行股份有限公司 2024 年年度 股东大会的议案》。 3.会议召开的合法、合规性：本次会议由公司董事会召集， 召集、召开程序符合相关法律法规和《公司章程》的有关规定。 4.会议召开的日期、时间： 1 （1）现场会议召开时间：2025 年 5 月 19 日（星期一）下午 15:30。 6.会议的股权登记日：2025 年 5 月 14 日（星期三 ...