本议案同意票 14 票，反对票 0 票，弃权票 0 票。 二、《宁波银行股份有限公司 2025 年第一季度第三支柱报告》。 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 证券代码：002142 证券简称：宁波银行 公告编号：2025-017 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 第八届董事会第六次临时会议决议公告 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 2025 年 4 月 23 日以电子邮件及书面方式向全体董事发出关于召开第八届董事 会第六次临时会议的通知，并于 2025 年 4 月 28 日进行了表决。公 司应参加表决董事 14 名，实际参加表决董事 14 名。会议召开符合 《公司法》《公司章程》等规定。会议以通讯表决的方式审议通过 了以下议案： 一、《宁波银行股份有限公司 2025 年第一季度报告》。 1 特此公告。 宁波银行股份有限公司董事会 2025 年 4 月 29 日 ...

Financial Performance - In Q1 2025, the company's operating revenue reached RMB 18,495 million, a 5.63% increase compared to RMB 17,509 million in Q1 2024[4] - The net profit attributable to shareholders was RMB 7,417 million, reflecting a 5.76% growth from RMB 7,013 million in the same period last year[4] - The bank's net cash flow from operating activities was RMB 93,060 million, down 2.50% from RMB 95,445 million in Q1 2024[4] - In Q1 2025, the company achieved a net profit of RMB 7.417 billion, representing a year-on-year growth of 5.76%[31] - The company's operating revenue for Q1 2025 was RMB 18.495 billion, an increase of 5.63% compared to the previous year[31] - Net interest income rose to RMB 12,835 million, up 11.6% from RMB 11,502 million year-over-year[40] - Investment income increased to RMB 4,992 million, a 26.3% rise from RMB 3,952 million in the previous year[40] - Basic and diluted earnings per share for Q1 2025 were both RMB 1.12, up from RMB 1.06 in Q1 2024[41] Asset and Liability Management - Total assets as of March 31, 2025, amounted to RMB 3,396,035 million, an 8.67% increase from RMB 3,125,232 million at the end of 2024[5] - The bank's total liabilities were RMB 1,850,000 million, reflecting a 10% increase year-over-year[40] - Customer loans and advances reached RMB 1,640,169 million, marking an 11.12% increase from RMB 1,476,063 million year-over-year[6] - Customer deposits totaled RMB 2,182,604 million, an 18.86% increase from RMB 1,836,345 million at the end of 2024[6] - The total amount of loans and advances reached RMB 1,640,169 million, with a 0.76% non-performing loan ratio[21] Capital Adequacy and Risk Management - Capital adequacy ratio stands at 14.94% as of March 31, 2025, exceeding the regulatory requirement of 10.75%[10] - The bank's core tier 1 capital adequacy ratio is 9.32%, above the regulatory minimum of 7.75%[10] - The provision coverage ratio is 370.54%, well above the required 150%[10] - Non-performing loan ratio is 0.76%, remaining stable compared to previous periods[10] - The bank's leverage ratio is 5.38% as of March 31, 2025, indicating a stable capital structure[17] - The liquidity coverage ratio is 209.72%, significantly above the minimum requirement of 100%[19] - The bank's liquidity ratio is 108.08%, significantly exceeding the regulatory minimum of 25%[10] Shareholder Information - The total number of shareholders at the end of the reporting period is 104,999[25] - The largest shareholder, Ningbo Development Investment Group Co., Ltd., holds 18.74% of shares, totaling 1,237,489,845 shares[25] - Singapore Overseas Chinese Bank holds 18.69% of shares, totaling 1,233,993,375 shares, with 75,819,056 shares under limited sale conditions[25] - The top 10 shareholders did not engage in repurchase transactions during the reporting period[25] - The total number of preferred shareholders at the end of the reporting period is 18[27] - The largest preferred shareholder, Huabao Trust, holds 16.06% of preferred shares, totaling 7,790,000 shares[27] - The second-largest preferred shareholder, Huabao Trust's Baofu Investment, holds 13.59% of preferred shares, totaling 6,590,000 shares[27] - The company has no pledged shares among its major shareholders[25] - The company has not reported any participation in securities lending transactions during the reporting period[25] - The preferred shares code 140001 and 140007 are noted, indicating the existence of multiple preferred share classes[28] Other Key Metrics - The weighted average return on equity (annualized) decreased to 14.18%, down 1.33 percentage points from 15.51% in Q1 2024[4] - Non-recurring losses amounted to RMB 16 million in Q1 2025, compared to RMB 40 million in Q1 2024[8] - The company reported a significant increase in foreign exchange gains, amounting to RMB 612 million, compared to a loss of RMB 257 million in the previous year[9] - The cost-to-income ratio improved to 29.07%, down from 35.52% in the previous year[11] - The bank's total assets return rate (annualized) is 0.91% as of March 31, 2025[10] - The company continues to implement a strategy focused on sustainable development and customer-centric financial services[31] - No other significant events were reported during the reporting period[33]

宁波银行(002142.SZ)公告称，宁波银行发布2025年第一季度报告，公司实现 营业收入184.95亿元，同 比增长5.63%；归属于上市公司股东的 净利润74.17亿元，同比增长5.76%。 ...

Core Insights - The Yangtze River Delta urban agglomeration is a crucial intersection of the "Belt and Road" initiative and the Yangtze River Economic Belt, comprising Shanghai, Jiangsu, Zhejiang, and Anhui provinces, with seven listed city commercial banks [1] - In 2024, the total asset scale of these seven banks reached 17.72 trillion yuan, with Jiangsu Bank, Shanghai Bank, and Ningbo Bank each exceeding 3 trillion yuan [1][3] - All seven banks reported positive growth in revenue and net profit, with asset quality remaining strong, as six banks maintained non-performing loan ratios below 1% [1][18] Asset Scale and Growth - Jiangsu Bank's total assets reached 39,520.42 billion yuan, a 16.12% increase from the previous year [3][5] - Shanghai Bank's total assets were 32,266.56 billion yuan, growing by 4.57% [3][5] - Ningbo Bank's total assets amounted to 31,252.32 billion yuan, with a growth rate of 15.25% [3][5] - Nanjing Bank, Hangzhou Bank, and Huishang Bank surpassed 20 trillion yuan in assets, while Suzhou Bank had the smallest asset scale at nearly 700 billion yuan [1][3] Revenue and Profitability - Jiangsu Bank led in revenue with 808.15 billion yuan, marking an 8.78% increase [10][12] - Ningbo Bank followed with 666.31 billion yuan in revenue, up 8.19% [10][12] - Nanjing Bank achieved a revenue growth rate of 11.32%, the only bank with double-digit growth [10][12] - Net profit for Jiangsu Bank exceeded 300 billion yuan, with a growth of 10.76% [13][12] Asset Quality - The non-performing loan ratio for Jiangsu Bank was 0.89%, while Ningbo and Hangzhou Banks had the lowest at 0.76% [18][19] - Shanghai Bank had the highest non-performing loan ratio at 1.18% [17][18] - The provision coverage ratios for most banks were robust, with Jiangsu, Nanjing, and Ningbo Banks exceeding 300% [20][18] Loan Distribution - Jiangsu Bank's loans in Jiangsu province accounted for 86.13% of its total loans, with significant portions also allocated to the Yangtze River Delta and Guangdong-Hong Kong-Macau Greater Bay Area [7] - Nanjing Bank's loans were primarily distributed in Jiangsu, with 84.92% of its loans in the province [7] - Huishang Bank's loans were predominantly in Anhui, making up 88.87% of its total [8]

4月以来，9只银行股股价盘中创历史新高，行业热度持续攀升。 多家机构认为，从已披露经营情况的银行来看，一季度财务指标和资产质量总体稳健。展望后市，银行 业相对于大部分行业而言，基本面具备相对稳健特征。 此外，广发证券（000776）认为，近期银行股作为指数重要组成部分，对指数稳定起了重要作用。 去年四季度业绩改善 2024年四季度，银行股业绩明显改善，今年一季度亦有多股报喜。行业现金分红总额有望再创新高，12 只银行股年度分红金额均超百亿元。 本月9只银行股股价创新高 4月24日，银行指数收盘涨1.16%。中国银行（601988）、农业银行（601288）和工商银行（601398） 股价均创历史新高，收盘分别上涨2.1%、2.01%和1.83%。 本月以来，建设银行（601939）、交通银行（601328）和江苏银行（600919）等9只银行股盘中股价均 创历史新高。 创新高的银行股今年以来股价稳步上涨，上海银行（601229）股价年内涨幅达到15.52%，工、农、 中、建四大行股价年内涨幅均在6%以上。 4月以来，市场行情持续震荡，银行板块作为高股息、低估值的避险资产颇受资金青睐。 数据显示，农业银行、宁波 ...

据媒体报道，2023年7月，宁波银行正式对外发布金融科技"宁行云"品牌，可以为客户提供资金管理、 外汇、票据、收付款、发薪等金融服务。今年3月，宁波银行副行长冯培炯在中国财富大会・数字金融 创新论坛上介绍，鲲鹏司库升级服务依托大数据分析、云计算和人工智能等行业前沿数字化技术，为企 业提供从咨询、实施到使用的全流程司库服务。 尽管宁波银行在2024年年报中对数据资源着墨不多，但从数次参与数据资产融资的实践来看，宁波银行 入局数据要素比年报所展现的更深。据德清新闻网消息，2023年10月，浙江省湖州市德清县国控集团下 属德清县车网智联产业发展有限公司通过质押自主数据知识产权——"德清自动驾驶仿真场景库数据"， 获批宁波银行1000万元贷款。据丽水市国资官网消息，2024年8月，浙江省丽水市数发集团与宁波银行 丽水分行正式签署数据资产金融授信战略协议，以数据资产作为融资授信抵押物，获得宁波银行1000万 元授信额度。 南方财经全媒体记者马嘉璐 广州报道 2024年，宁波银行净息差为1.86%，同比下降2个基点；净利差为1.91%，同比下降10个基点。宁波银行 对此解释，2024年净息差下行幅度小于存贷利差的下行幅度 ...

公 司 简 评 [Table_Reportdate] 2025年04月21日 买入（维持） 报告原因：业绩点评 [宁波银行 Table_NewTitle]（002142）：息差、投资及资产 质量彰显专业经营优势 ——公司简评报告 投资要点 ➢ 事件：公司公布2024年度报告。2024年公司实现营业收入666.31亿元（+8.19%，YoY）， 归属于母公司普通股股东净利润271.27亿元（+6.23%，YoY）。年末，公司总资产为3.13 万亿元（+15.25%，YoY），不良贷款率为0.76%（持平，QoQ），不良贷款拨备覆盖率为 389.35%（-15.45PCT，QoQ）。全年净息差为1.86%，同比下降2BPs。 ➢ 2024年Q4对公贷款增长从高位略有放缓，个人贷款增长依然受制于需求端。 Q4宁波银行贷款增速从高位放缓，但相对依然优势依然明显。结构上来看，对公贷款同比 明显少增，一方面或是受到行业共性因素影响：Q4隐债置换力度较大，对公中长期贷款替 代效应明显。另一方面或是由于：前三季度对公信贷受益于区域需求及自身主动发力，实 现高速增长，Q4投放任务相应减轻。个人贷款延续少增，与行业趋势相符，主要 ...

[Table_Reportdate] 2025年04月21日 公 司 简 评 买入（维持） 报告原因：业绩点评 [宁波银行 Table_NewTitle]（002142）：息差、投资及资产 质量彰显专业经营优势 ——公司简评报告 投资要点 ➢ 事件：公司公布2024年度报告。2024年公司实现营业收入666.31亿元（+8.19%，YoY）， 归属于母公司普通股股东净利润271.27亿元（+6.23%，YoY）。年末，公司总资产为3.13 万亿元（+15.25%，YoY），不良贷款率为0.76%（持平，QoQ），不良贷款拨备覆盖率为 389.35%（-15.45PCT，QoQ）。全年净息差为1.86%，同比下降2BPs。 ➢ 2024年Q4对公贷款增长从高位略有放缓，个人贷款增长依然受制于需求端。 Q4宁波银行贷款增速从高位放缓，但相对依然优势依然明显。结构上来看，对公贷款同比 明显少增，一方面或是受到行业共性因素影响：Q4隐债置换力度较大，对公中长期贷款替 代效应明显。另一方面或是由于：前三季度对公信贷受益于区域需求及自身主动发力，实 现高速增长，Q4投放任务相应减轻。个人贷款延续少增，与行业趋势相符，主要 ...

关于举行 2024 年度业绩网上说明会的公告 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。 宁波银行股份有限公司（以下简称"公司"）将于 2025 年 4 月 29 日（星期二）下午 15:00-17:00 在全景网举行 2024 年度业绩 网上说明会。本次业绩说明会将采用网络远程方式举行，投资者可 登陆全景网"投资者关系互动平台"（https://ir.p5w.net）参与 本次说明会。 出席本次业绩说明会的人员有：公司董事长陆华裕先生，副董 事长、行长庄灵君先生，独立董事王维安先生，董事、副行长、财 务负责人、首席信息官罗维开先生，董事会秘书俞罡先生。 为提升交流的针对性，现就本次业绩说明会提前向投资者公开 征集问题，广泛听取投资者的意见和建议。投资者可于 2025 年 4 月 24 日（星期四）12:00 前访问 https://ir.p5w.net/zj/，进入 问题征集专题页面。 证券代码：002142 证券简称：宁波银行 公告编号：2025-016 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 ...

在净息差方面，宁波银行提到，2024年，公司净息差为1.86%，同比下降2个基点；净利差为1.91%，同 比下降10个基点。受综合因素影响，新发放贷款定价下行，生息资产收益率 同比下降；负债端，存款 利率下行但仍相对刚性，少于贷款收益率下行幅度。2025年，公司将紧扣"五篇大文章"，持续优化信贷 资源配置，加大对 国家重大战略、重点领域的金融支持力度，把握国家促消费和房地产市场复 苏的窗 口，推动个人贷款增长。同时，加强利率走势的研判，抓住投资机会增厚收益，提升资本的综合回报。 在负债端，将依托数字化平台，增强客户粘性，促进低成本结算存款沉淀，持续深化精算经营，通过客 群分层分类与差异化定价策略，严控高息负债限额。同时，构建成本锚定、期限适配的主动负债管理体 系，灵活运用债券发行、同业存单等渠道，实现主动负债成本最优配置。 【环球网金融综合报道】据宁波银行披露的最新投资者关系活动记录表，其于4月17日召开投资者电话 会议，参与单位名称众多，包括大成基金、太平资产、世诚投资、景顺长城基金、人保资产、嘉实基金 等。 | | 1、贵行分红增长较快原因? | | --- | --- | | | 答:稳定的分红是股东投 ...