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 ...

证券代码：002142 证券简称：宁波银行 宁波银行股份有限公司投资者关系活动记录表 编号:2025-14 | 投资者关系活动 | 特定对象调研 | □分析师会议 | | --- | --- | --- | | 类别 | □媒体采访 | □业绩说明会 | | | □新闻发布会 | □路演活动 | | | □现场参观 ☑其他： | 投资者电话会议 | | | 公司高管； | | | | 大成基金 彭博、太平资产 | 耿艳艳、世诚投资 夏骏、hao capital elsa wang、 | | | 景顺长城基金 孟禾、人保资产 | 袁梓芳、嘉实基金 王丹、高毅资产 薛皓月、 | | | 资本国际 杜丽莹、华夏未来资本 | 王钟琪、敦和资管 郭文凯、泓德基金 殷 | | | 子涵、淡水泉 彭皓、汇添富基金 | 任思曼、UG abbie、lazard 刘笑梦、贝莱德 | | | 周浩、Shroder LiJack、高毅资产 | 孙庆瑞、松熙私募 姜思辰、旦成投资 傅佳、 | | | 信银理财 尹杰、阿布扎比投资局 | 李南、华夏财富创新投资管理公司 刘春胜、 | | | 摩根基金中国 赵阳芝、博时基金 | 李洋、淡 ...

Core Viewpoint - The performance of 14 out of 17 listed city commercial banks in China for 2024 shows resilience and growth despite challenges in the banking sector, with many banks leveraging regional advantages and differentiated business strategies to achieve notable results [1][2]. Revenue and Profit Growth - The average revenue growth rate for the 14 listed city commercial banks reached 5.31% year-on-year, with Nanjing Bank leading at 11.32% growth [2][3]. - Jiangsu Bank and Ningbo Bank achieved over 8% revenue growth despite a high base, supported by quality credit resources in the Jiangsu and Zhejiang regions [2][3]. Performance Summary of Listed City Commercial Banks - Jiangsu Bank: Revenue of 808.15 billion, up 8.78%; Net profit of 318.43 billion, up 10.76% [3]. - Beijing Bank: Revenue of 699.17 billion, up 4.81%; Net profit of 258.31 billion, up 0.81% [3]. - Ningbo Bank: Revenue of 666.31 billion, up 8.19%; Net profit of 271.27 billion, up 6.23% [3]. - Nanjing Bank: Revenue of 502.71 billion, up 11.32%; Net profit of 201.77 billion, up 9.05% [3]. - Zhengzhou Bank: Revenue decreased by 5.78% to 128.77 billion, attributed to weak corporate loan growth [3][4]. Asset Quality and Risk Management - Zhengzhou Bank reported a non-performing loan (NPL) ratio of 1.79%, higher than the average for city commercial banks, indicating a need for improvement in asset quality management [7]. - All 14 listed city commercial banks maintained a provision coverage ratio above the regulatory minimum of 150%, with Hangzhou Bank and Ningbo Bank showing exceptional performance [8][9]. Differentiated Business Strategies - City commercial banks are encouraged to adopt differentiated development strategies based on regional characteristics to enhance their business models [10]. - Ningbo Bank focuses on risk management in exchange rate and interest rate, achieving a 20.15% increase in institutional deposits [11]. - Beijing Bank plans to leverage digital products and services to enhance its business model in a low-interest environment [11].

从中证浙江100指数持仓样本的行业来看，工业占比21.64%、原材料占比17.77%、信息技术占比 17.14%、可选消费占比16.02%、金融占比13.72%、医药卫生占比8.28%、公用事业占比1.99%、房地产 占比1.31%、通信服务占比1.12%、主要消费占比1.02%。 数据统计显示，中证浙江100指数近一个月下跌10.74%，近三个月下跌3.08%，年至今下跌4.11%。 据了解，中证浙江100指数从浙江省上市公司中选取100只规模大且流动性较好的证券作为指数样本，以 反映浙江省内有代表性的上市公司证券的整体表现。该指数以2012年12月31日为基日，以1000.0点为基 点。 从指数持仓来看，中证浙江100指数十大权重分别为：海康威视（5.76%）、宁波银行（4.45%）、同花 顺（3.09%）、杭州银行（3.05%）、三花智控（2.95%）、浙商银行（2.47%）、华友钴业（2.3%）、 小商品城（2.25%）、恒生电子（2.14%）、新和成（1.85%）。 从中证浙江100指数持仓的市场板块来看，上海证券交易所占比52.24%、深圳证券交易所占比47.76%。 金融界4月16日消息，A股三 ...

Group 1: Company Insights - Dongfang Caifu's securities business market share continues to rise, benefiting from the capital market recovery in Q4 2024, with brokerage market share at 4.11% and margin financing market share at 3.16% [4][5] - In 2024, Dongfang Caifu achieved revenue of 11.604 billion yuan, a year-on-year increase of 4.72%, and net profit of 9.610 billion yuan, up 17.29% [3][4] - Ningbo Bank reported an 8.19% increase in revenue and a 6.23% increase in net profit for 2024, with total assets exceeding 3.1 trillion yuan [9][11] - Ningbo Bank's non-performing loan ratio remained stable, with a provision coverage ratio of 389.35% [10][11] - The company expects to maintain a high dividend payout ratio of 22.77% in 2024 [11] Group 2: Industry Trends - The aluminum industry is experiencing a reduction in tariff pressures, with domestic aluminum production capacity expected to rise to 43.92 million tons per year by the end of April 2025 [14][18] - Despite tariff impacts, demand for aluminum is showing slight growth, with inventory levels decreasing [15][18] - The coal market is stabilizing, with port inventories declining and prices holding steady due to supply constraints and steady demand from non-electric sectors [19][21] - The introduction of high-purity quartz as a new mineral resource in China is expected to support the semiconductor and photovoltaic industries, with significant breakthroughs in domestic production capabilities [24][25] - The chemical industry is anticipated to enter a replenishment cycle in 2025, driven by low inventory levels and improving profitability among leading companies [40][41]

Investment Rating - The investment rating for the company is maintained at "Accumulate" [4] Core Views - The dividend payout ratio has increased to 22.8%, up by 6.8 percentage points, with a cash distribution of 9 yuan per 10 shares, resulting in a dividend yield of 3.9% based on the closing price on April 9 [2] - The bank's total assets grew by 15.3% year-on-year, with loan growth at 17.8%, indicating a strong lending performance [2] - The net interest margin stands at 1.86%, a slight decrease of 2 basis points year-on-year, benefiting from lower funding costs [2] - Asset quality remains stable, with a non-performing loan ratio of 0.76% and a coverage ratio of 389.35% [3] - Profit forecasts have been adjusted downwards, with expected growth rates for net profit from 2025 to 2027 at 3.76%, 6.12%, and 6.91% respectively [3] Summary by Sections Financial Performance - For 2024, the operating income is projected at 66,631 million yuan, with a growth rate of 8.19% [4] - The net profit attributable to shareholders is expected to be 27,127 million yuan, reflecting a growth rate of 6.23% [4] - Earnings per share for 2024 is estimated at 3.95 yuan, with a price-to-earnings ratio of 5.91 [4] Asset Quality - The non-performing loan ratio is stable at 0.76%, with a focus on retail loans showing a slight increase in delinquency [3] - The bank has increased its efforts in asset write-offs, actively clearing problematic assets [3] Capital Adequacy - The core Tier 1 capital adequacy ratio is reported at 9.84%, an increase of 0.2% from the previous year [2] Future Outlook - The bank's loan growth is expected to continue, with total loans projected to reach 1,476,063 million yuan by the end of 2024 [4] - The bank's market capitalization is approximately 156.37 billion yuan, with a circulating A-share market value of about 154.49 billion yuan [4]

截至4月11日，市场融资余额合计1.80万亿元，较前一交易日减少40.31亿元，其中，沪市融资余额 9182.22亿元，较前一交易日减少24.98亿元；深市融资余额8748.61亿元，较前一交易日减少14.77亿元； 北交所融资余额51.99亿元，较前一交易日减少5628.76万元。 证券时报·数据宝统计显示，具体到个股，4月11日共有1476只股获融资净买入，净买入金额在千万元以 上的有281只，其中24只融资净买入额超5000万元。胜宏科技融资净买入额居首，当日净买入5.13亿 元，其次是中国长城、四方精创，融资净买入金额分别为1.23亿元、1.21亿元，融资净买入金额居前的 还有中微公司、贝因美、宁波银行等。 分行业统计，获融资客净买入超5000万元个股中，电子、计算机、有色金属等行业最为集中，分别有5 只、2只、2只个股上榜。板块分布上，大手笔净买入个股中，主板有19只，创业板有3只，科创板有2 只。 | 代码 | 简称 | 4月11日涨跌幅 | 融资净买入额 | 最新融资余额 | 占流通市值比例 | 所属行 | | --- | --- | --- | --- | --- | --- | --- | ...

Investment Rating - The report maintains a "Recommended" investment rating for the banking industry, expecting the industry index to outperform the benchmark index by over 5% in the next 3-6 months [21]. Core Insights - The report highlights a marginal improvement in performance growth, with core revenue contributions increasing. As of April 12, 2024, 25 out of 42 listed banks reported a year-on-year revenue growth of -0.4% and a net profit growth of 2.0%, both showing a 1 percentage point improvement compared to the previous three quarters [5][6]. - The report anticipates that the banking sector will benefit from strong fiscal policies implemented since October 2024, which are expected to boost economic confidence and stabilize asset quality. If these policies effectively stimulate the real estate and consumer sectors, there will be opportunities for cyclical strategies [5][6]. Summary by Sections Industry Basic Data - The banking sector consists of 42 listed companies with a total market capitalization of approximately 114,992 billion and a circulating market value of about 78,974 billion [2]. Relative Index Performance - The absolute performance of the banking sector over the past month is 5.0%, 17.3% over six months, and 17.7% over twelve months. The relative performance is 2.8%, 15.6%, and 24.4% respectively [3]. Market Review - For the week of April 7-13, 2025, the major indices saw declines, with the Shanghai Composite Index down 3.11% and the Shenzhen Component Index down 6.73%. The average daily trading volume in the A-share market was 10,349 billion, up 41.54% from the previous week [5]. Investment Recommendations - The report suggests focusing on banks with high dividend yields and strong asset quality, such as state-owned banks and regional banks with high provision coverage ratios. It also recommends banks with a high proportion of retail assets, which are expected to show greater resilience in the economic recovery [5][6]. Specific banks highlighted include: - Ningbo Bank, Jiangsu Bank, and China Merchants Bank, all rated as "Recommended" with projected EPS growth for 2025 [6].

转自：经济日报 记者了解到，2024年，宁波银行坚持深耕优质经营区域，从客户需求出发，坚持"专业化"经营，用专业 把握市场机遇，聚焦汇率管理、利率管理和资产配置等领域，持续积累细分市场的比较优势，帮助客户 规避风险，实现资产保值增值；推进"数字化"赋能，借助金融科技，不断夯实数字化应用的基石底座， 结合实体企业的需求，全面升级鲲鹏司库、五管二宝等数字化系统解决方案，与客户内部系统互联互 通，推进业财一体化与多元场景融合，赋能客户经营和降本增效，打通金融服务的"最后一公里"。 同时，宁波银行发挥"平台化"价值，从实体企业需求出发，借助银行平台的资源禀赋，打造"波波知 了、设备之家、美好生活"三个平台，整合多方资源，匹配客户需求，提供全流程的综合化服务；搭 建"国际化"链接，在企业走出去的背景下，聚焦企业的难点堵点，提供全方位、多层次的跨境金融服 务，赋能企业走出去。 记者日前从宁波银行2024年年度报告获悉，宁波银行总资产31,252.32亿元，比年初增长15.25%，全年 营业收入666.31亿元，同比增长8.19%，实现归属于母公司股东的净利润271.27亿元，同比增长6.23%， 不良贷款率0.76%，资 ...