宁波银行股份有限公司 2025 年第一次临时股东大会会议材料 材料一：关于宁波银行股份有限公司 2025 年日常关联交易预计额 度的议案 关于宁波银行股份有限公司 2025 年日常关联交易预计额度的议案 宁波银行股份有限公司 2025 年第一次临时股东大会会议材料 （股票代码：002142） 宁波银行股份有限公司 2025 年第一次临时股东大会会议材料 目录 | 材料一：关于宁波银行股份有限公司 2025 年日常关联交易预计额度的 | | --- | | 议案 1 | | 材料二：宁波银行股份有限公司中长期资本规划（2025-2027 年） 2 | | 材料三：宁波银行股份有限公司未来三年（2025-2027 年）股东回报规 | | 划 3 | 中长期资本规划（2025-2027 年） 根据《商业银行资本管理办法》等监管要求，考虑公司实际经 营状况和业务发展需要，公司制定了 2025-2027 年中长期资本规划。 具体内容请参见公司于 2024 年 12 月 21 日在巨潮资讯网 （http://www.cninfo.com.cn）披露的《宁波银行股份有限公司中 长期资本规划（2025-2027 年）》。 2 ...

证券代码：002142 证券简称：宁波银行 公告编号：2024-049 优先股代码：140001、140007 优先股简称：宁行优01、宁行优02 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 三、审议通过了《关于修订<宁波银行股份有限公司高级管理 层和高级管理人员履职评价细则>的议案》。 宁波银行股份有限公司 第八届监事会第七次会议决议公告 本公司及监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。 宁波银行股份有限公司（以下简称"公司"）于 2024 年 12 月 10 日以电子邮件及书面方式向全体监事发出关于召开第八届监事 会第七次会议的通知。会议于 2024 年 12 月 20 日在宁波紫璋台酒 店召开。会议应参加表决监事 7 人，实际参加表决监事 7 人。会议 的召开符合《公司法》《公司章程》的规定。会议由罗孟波监事长 主持，审议通过了以下议案： 一、审议通过了《关于调整董事会、监事会和高级管理层 2024 年度履职评价方案的议案》。 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 二、审议通过了《关于修订<宁波银行股份有限公司董事会和 董事履 ...

宁波银行股份有限公司 未来三年（2025-2027 年）股东回报规划 为进一步强化回报股东意识，为股东提供持续、稳定、合理 的投资回报，宁波银行股份有限公司（以下简称"公司"）依照 《中华人民共和国公司法》《中华人民共和国证券法》《中国证券 监督管理委员会关于进一步落实上市公司现金分红有关事项的 通知》《上市公司监管指引第 3 号——上市公司现金分红》及《公 司章程》的规定，在充分考虑公司实际经营情况及未来发展需要 的基础上，制定了本规划。 一、基本原则 本规划制定的基本原则为：符合相关法律法规、监管要求和 《公司章程》有关利润分配的规定；确保公司利润分配政策的连 续性和稳定性，兼顾公司的长远利益、全体股东的整体利益及公 司的可持续发展；优先采用现金分红的利润分配方式。 二、考虑的因素 在综合分析银行业经营环境、股东要求和意愿、社会资金成 本、外部融资环境和监管政策等因素的基础上，公司将充分考虑 目前及未来的资本金需求、业务发展、盈利规模、所处发展阶段、 投资资金需求和自身流动性状况等，平衡业务持续健康发展与股 东综合回报二者间的关系，制定股东回报规划。 （一）2025-2027 年，公司将保持利润分配政策的 ...

宁波银行股份有限公司 中长期资本规划（2025-2027 年） 宁波银行股份有限公司（以下简称"公司"）根据《商业银行 资本管理办法》等监管要求，考虑公司实际经营状况和业务发展 需要，制定了 2025-2027 年中长期资本规划，具体如下： 一、资本中长期规划原则 （一）保持资本充足，确保持续满足监管要求 二、中长期资本规划目标 根据《商业银行资本管理办法》规定，我国非系统重要性银 行的资本充足率不得低于 10.5%，一级资本充足率不得低于 8.5%， 核心一级资本充足率不得低于 7.5%，杠杆率不得低于 4%。同时 公司入选国内系统重要性银行，位于第一组，适用 0.25%的附加 资本要求和 0.125%的附加杠杆率要求。 根据监管要求，公司资本充足率、一级资本充足率、核心一 级资本充足率和杆杆率分别不得低于 10.75%、8.75%、7.75%和 4.125%，同时结合公司实际经营状况和业务发展需要，预留一定 的资本缓冲，保持充足的资本水平和较高的资本质量，夯实公司 的资本基础，以提高抵御风险的能力。 （二）持续推进综合化经营，加大实体经济支持 公司将继续坚持差异化的发展战略，以"专注主业，服务实 体"为经 ...

证券代码：002142 证券简称：宁波银行 公告编号：2024-050 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 2025 年日常关联交易预计额度的公告 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、误导性陈述或者重大遗漏。 一、日常关联交易审议程序 2024年12月6日，宁波银行股份有限公司（以下简称"公司"） 第八届董事会关联交易控制委员会第九次会议审议通过了《关于宁 波银行股份有限公司2025年日常关联交易预计额度的议案》。 2024年12月19日，公司第八届董事会第八次会议审议通过了 《关于宁波银行股份有限公司2025年日常关联交易预计额度的议 案》。该议案同意票9票，反对票0票，弃权票0票。由于该议案内 容涉及关联交易事项，根据《公司章程》及相关规定，涉及该议案 的关联董事周建华、魏雪梅、陈德隆、邱清和、刘新宇回避表决。 该议案将提交公司2025年第一次临时股东大会审议，应回避表 决的关联股东包括宁波开发投资集团有限公司、宁兴（宁波）资产 管理有限公司、新加坡华侨银行股份有限公司、新加坡华侨银行股 份有限公司Q ...

Group 1: Risk Management and Operational Strategy - The bank emphasizes maintaining a risk baseline to ensure stable operations [1] - The bank adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development [1] - Key areas of loan allocation include advanced manufacturing, private small and micro enterprises, and import-export businesses [1] Group 2: Risk Management Measures - The bank adheres to the philosophy that "operating a bank is managing risks," continuously improving a comprehensive risk management system [1] - Unified credit policies are implemented at the business entry level, with ongoing industry research for risk identification [1] - Independent credit approval processes are established at the business approval level [1] Group 3: Investor Relations Activity - The investor relations activity involved a meeting with the company's investor relations team and representatives from Da Cheng Fund [1] - The meeting took place on December 18, 2024, at the company's headquarters [1] - There were no disclosures of significant undisclosed information during the meeting, adhering to relevant regulations [1]

Investment Rating - The investment rating for the company is "Buy" [10]. Core Views - The report highlights that Ningbo Bank has established a solid foundation for future leapfrog development by focusing on building core competitiveness. Key growth drivers include consumer credit as a significant growth engine, innovative deposit products that attract core customers, and a diversified income structure that supports non-interest income growth [10][69]. Summary by Sections 1. Steady Progress, Dual Excellence in Revenue and Cost - Loan business: Consumer credit has become a crucial growth driver, with Ningbo Bank's consumer finance business growing by 24.78% year-to-date in 2024, particularly in offline self-operated business, which increased from 0.16% at the end of 2021 to 30.49% by the second quarter of 2024 [10][69]. - Deposit business: The "Five Management and Two Treasures" product has helped retain a core customer base, leading to stable deposits. The launch of the "Bobo Zhiliao" enterprise service platform in June 2023 has further enhanced customer retention [10][69]. - Non-interest income: Although impacted by exchange rates and capital market fluctuations, the company’s diversified profit centers are maturing, with strong growth in wealth management assets under management (AUM) [10][69]. - Asset quality: The bank has increased its write-off efforts, positioning itself to benefit from economic recovery [10][69]. 2. High Growth Expected in 2025 - Scale: The impact of "Trump 2.0" tariffs is manageable, and the expansion of consumer finance supports credit growth [10][69]. - Net interest margin: Expected to stabilize and recover, with a lower proportion of long-term loans mitigating the impact of interest rate adjustments [10][69]. - Non-interest income: Client trading and wealth management are expected to support growth in non-interest income, with a recovery in demand for foreign exchange hedging and capital market activities [10][69]. - Tax advantages: The one-time impact of loan write-offs on the tax rate is nearing an end, which may expand tax benefits [10][69]. 3. Earnings Forecast and Investment Recommendations - The report forecasts a growth rate of 7.46% and 15.26% for net profit attributable to shareholders in 2024 and 2025, respectively, with earnings per share (EPS) projected at 4.04 and 4.67 yuan per share [10][69]. - The current stock price corresponds to a price-to-earnings (PE) ratio of 6.14X and 5.31X for 2024 and 2025, respectively, and a price-to-book (PB) ratio of 0.82X and 0.72X [10][69]. - The report maintains a reasonable value estimate of 36.43 yuan per share, corresponding to a PB valuation of approximately 1.2X for 2024, and reiterates the "Buy" rating [10][69].

Group 1: Risk Management and Operational Strategy - The bank emphasizes maintaining a risk baseline to ensure stable operations [1] - The bank adopts a differentiated business strategy to gain competitive advantages, focusing on continuous development and core strengths [1] - Key measures for risk management include a comprehensive risk management system and independent credit approval processes [1] Group 2: Loan Allocation and Client Focus - Loan allocations primarily target advanced manufacturing, private small and micro enterprises, and import-export businesses [1] - The bank aims to provide comprehensive financial services to clients within its operational region [1] Group 3: Investor Relations and Compliance - The investor relations activity involved thorough communication without disclosing any significant undisclosed information [1] - The meeting was held at the company's headquarters on November 19, 2024, with participation from the investor relations team and representatives from Ping An Pension [1]

Group 1: Competitive Advantage - The bank adopts a differentiated business strategy to adapt to changes in the operating environment, continuously accumulating comparative advantages for high-quality development [1] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and maintaining a risk management baseline to ensure stable operations [1] Group 2: Services for Small and Micro Enterprises - The bank continuously explores new comprehensive operating models for small and micro clients, innovating financial products to meet their needs [1] - It aims to provide more professional and comprehensive financial services to small and micro enterprises [1] Group 3: Risk Management Measures - The bank adheres to the philosophy that "operating a bank is managing risks," continuously improving a comprehensive risk management system [1] - Key measures include implementing a unified credit policy at the business entry level, conducting ongoing industry research for risk identification, and enforcing independent credit approval in the business approval process [1] Group 4: Disclosure Compliance - During the investor relations activity, the company ensured full communication with investors, strictly adhering to regulations without disclosing any undisclosed significant information [1]

证券代码：002142 证券简称：宁波银行 公告编号：2024-047 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 第一期优先股股息发放实施公告 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、误导性陈述或者重大遗漏。 一、股息派发方案 宁波银行股份有限公司（以下简称"公司"）第一期优先股（以 下简称"宁行优 01"，代码 140001）股息发放方案已获公司 2024 年 10 月 28 日召开的第八届董事会第五次临时会议审议通过。现将 宁行优 01 股息发放具体实施事项公告如下： 1、发放金额：本次股息发放的计息起始日为 2023 年 11 月 16 日，按照宁行优 01 票面股息率 4.68%计算，每股发放现金股息人 民币 4.68 元（含税），合计人民币 22,698 万元（含税）。 2、发放对象：截至 2024 年 11 月 15 日深圳证券交易所收市后， 在中国证券登记结算有限责任公司深圳分公司登记在册的全体宁 行优 01 股东。 3、扣税情况：每股税前发放现金股息人民币 4.68 元。根据国 家税法的有关规定： （1） ...