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 ...

21世纪经济报道记者梳理去年业绩表现，数据显示，领跑的几家头部城商行江苏银行、北京银行、宁波银行、上海银行、南京 银行等头部城商行去年营收均在500亿元之上。 21世纪经济报道记者余纪昕 上海报道 随着年报季步入下半场，17家上市城商行中，已有14家的2024年业绩表现"浮出水面"。 在银行业普遍面临信贷需求不足、营收净利承压、息差收窄的背景下，这些城商行之中，不少家都充分发挥了地域优势资源和 优势业务细分领域实现差异化经营，业绩表现在"稳住"之余，更走出了亮眼的上升之路。 虽在网点数量和资产规模、营收上不及国有大行（后者凭借网点优势在吸纳低息存款方面更具优势），但不少城商行在营收增 速方面去年保持住了不错的增长势头，正打出各具特色的差异化发展策略。 营收净利双增"长跑"拉开差距 在营业收入方面，14家上市城商行去年大多实现了不错的同比增长表现，平均营收增速达5.31%。其中，南京银行（营收同比增 长11.32%）、江苏银行、宁波银行、杭州银行的表现尤为突出。 值得注意的是，江苏银行和宁波银行在同比营收基数本身较大的情况下，2024年营收仍实现了超8%的高速增长，江浙地区优质 客户信贷资源显然对两家银行连年实 ...

分红率提升 净息差保持韧性 [Table_StockName] ——宁波银行（002142）点评报告 [Table_ReportDate] [Table_Summary] 报告关键要素: 宁波银行发布 2024 年度业绩报告。 投资要点: ⚫ 分红率 22.8%。提升 6.8 个百分点：2024 年每 10 股派发现金 9 元， 按照当期归母普通股股东净利润计算的分红率为 22.8%，按照 4 月 9 日收盘价测算的股息率为 3.9%。截至 2024 年末，公司核心一级资本 充足率为 9.84%，较 2023 年末上升 0.2%。 贷款同比增速 17.8%，净息差同比下降 2BP：截至 2024 年末，宁波 银行总资产同比增速 15.3%，其中，贷款同比增速 17.8%，金融投资 同比增速 12.2%。贷款增速快于总资产增速，占比上升 1 个百分点。 净息差 1.86%，同比下降 2BP，息差降幅小于可比同业，主要受益于 负债端成本的下行。2024 年存款增速 17.7%。 其他非息储备相对充足：2024 年其他非息收入小幅负增长，而其他 综合收益中以公允价值计量的债券浮盈同比多增。 ⚫ 资产质量相关指标基本 ...

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 ...

年报数据显示，宁波银行2024年实现营业收入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%，在颇有挑战的环境里，实现明显的业绩增长，表现也明显超过行业平 均水平。 这背后关键的有三点： 第一，盈利结构优化，盈利来源多元。和其他银行不同，宁波银行始终致力于打造多元化的利润中心， 目前公司本体有公司银行、零售公司、财富管理、消费信贷等9个利润中心；子公司方面有永赢基金、永 赢金租、宁银理财、宁银消金4个利润中心，多点开花、协同推进的运营模式和盈利结构，是宁波银行 2024年获得较好业绩的一个重要原因。 第二，风险管控出色，资产质量稳定。下行周期中什么对银行来说考验最大，一定是资产质量。事实也 是如此。在已公布的24家银行业年报中，不良拨备计提和信用减值损失是影响银行盈的重要因子。而宁 波银行在去年信贷资产规模增长17.83%的同时，公司不良贷款余额112.67亿元，不良贷款率0.76%，继续 保持在行业较低水平。 其三，精细化管理，各项费用"管控得当"。2024年，宁波银行的业务及管理费用为236.70亿元，同比下降 1.42%。在业务收入增长压力较大的同 ...

Investment Rating - The report maintains a "Strong Buy" rating for Ningbo Bank [2][8]. Core Views - Ningbo Bank achieved a revenue of 66.63 billion, a year-on-year increase of 8.2%, driven by robust net interest income growth of 17.3% [2][3]. - The bank's net interest margin (NIM) for 2024 was 1.86%, with a year-on-year decline of only 2 basis points, indicating strong resilience compared to peers [3][4]. - Asset quality remains stable, with a non-performing loan (NPL) ratio of 0.76% at year-end, unchanged from the previous year [4][8]. Summary by Sections Financial Performance - For 2024, Ningbo Bank reported revenues of 66.63 billion, with net profit reaching 27.13 billion, reflecting year-on-year growth of 8.2% and 6.2% respectively [2][9]. - The bank's return on equity (ROE) was 13.59%, a decrease of 1.49 percentage points from the previous year [2]. Loan and Asset Quality - Total assets and loans grew by 15.3% and 17.8% year-on-year, respectively, with corporate loans increasing by 24.4% and retail loans by 10.0% [2][4]. - The year-end NPL ratio was stable at 0.76%, while the coverage ratio decreased to 389.4%, down 28 percentage points [4][19]. Interest Margin and Income Sources - The bank's NIM improved slightly by 1 basis point from the previous quarter, with a year-on-year decline of only 2 basis points, outperforming the industry average [3][4]. - The main contributors to profit were scale growth and effective cost control, while non-interest income and tax reductions were the main detractors [2][8]. Future Outlook - The report projects continued high growth in scale and strong interest margin resilience for Ningbo Bank in 2025, with slight adjustments to profit forecasts for 2025-2027 [8][9].

当前，银行业进入低利率、低息差、低盈利环境。无论是短期银行息差收窄和市场竞争，还是长期需求 不足，都对银行的稳健运营和经营策略提出更高要求。 穿越周期的稳健，源于对长期主义的坚守。宁波银行的实践证明，在行业变革与挑战中，唯有将战略定 力融入实体服务，以科技赋能提质增效，以价值创造回馈股东，才能在时代浪潮中稳立潮头。 面对新挑战，如何实现提质增效，成为银行业必须直面的关键难题。作为20家国内系统重要性银行之 一，宁波银行紧扣"专业化、数字化、平台化、国际化"经营战略，用专业创造价值，以责任诠释担当， 在服务实体的过程中，找到长远的驱动力。 恰逢2024年报发布之际，宁波银行表现如何？数据显示，该行在报告期内实现营业收入666.31亿元，同 比增长8.19%，实现归母净利润271.27亿元，同比增长6.23%，与已发布2024年业绩的上市银行相比，宁 波银行的营收和利润增速稳居同业前列。 在业绩稳步提升的同时，宁波银行还实施了积极的分红政策。据2024年度利润分配预案显示，该行拟向 普通股东每10股派发现金红利9元（含税），现金分红总额达59.43亿元，占归母净利润的22.77%，较 2023年大幅度提升6.8个 ...

Investment Rating - The report maintains a "Strong Buy" rating for Ningbo Bank [2][8]. Core Views - Ningbo Bank achieved a revenue of 66.63 billion, a year-on-year increase of 8.2%, driven by robust net interest income growth of 17.3% [2][3]. - The bank's net interest margin (NIM) for 2024 was 1.86%, with a year-on-year decline of only 2 basis points, indicating strong resilience compared to peers [3][4]. - Asset quality remains stable, with a non-performing loan (NPL) ratio of 0.76% at year-end, unchanged from the previous year [4][8]. Summary by Sections Financial Performance - For 2024, Ningbo Bank reported revenues of 66.63 billion, with net profit reaching 27.13 billion, reflecting year-on-year growth of 6.2% [2][9]. - The bank's return on equity (ROE) was 13.59%, a decrease of 1.49 percentage points from the previous year [2]. Loan and Asset Quality - Total assets and loans grew by 15.3% and 17.8% year-on-year, respectively, with corporate loans increasing by 24.4% [2][4]. - The year-end NPL ratio was stable at 0.76%, while the coverage ratio decreased to 389.4% [4][19]. Interest Margin and Income Sources - The net interest margin improved slightly by 1 basis point from the previous quarter, with a year-on-year decline of only 2 basis points [3][14]. - Non-interest income faced challenges, contributing negatively to overall profitability [2][8]. Future Outlook - The bank is expected to maintain high growth in scale and strong interest margin resilience, with revenue projections for 2025 at 71.9 billion, reflecting a growth rate of 7.9% [9][22]. - The report highlights potential risks from rising retail loan defaults and the impact of trade tensions on credit demand [8].