证券代码：002142 证券简称：宁波银行 公告编号：2025-013 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 第八届监事会第九次会议决议公告 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 2025 年 3 月 29 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 会第九次会议的通知。会议于 2025 年 4 月 9 日在宁波文化广场朗 豪酒店召开。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》等规定。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《宁波银行股份有限公司 2024 年度监事会工 作报告》，并提交公司 2024 年年度股东大会审议。 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 二、审议通过了《宁波银行股份有限公司 2024 年度董事会和 董事履职评价报告》，并提交公司 2024 年年度股东大会审议。 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 三、审议 ...

证券代码：002142 证券简称：宁波银行 公告编号：2025-012 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 第八届董事会第十次会议决议公告 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、误导性陈述或者重大遗漏。 宁波银行股份有限公司（以下简称"公司"）于2025年3月28 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 第十次会议的通知，会议于2025年4月8日在宁波文化广场朗豪酒店 召开。会议应出席董事14名，亲自出席董事13名，其中李浩董事和 王维安董事以电话接入方式出席会议，贝多广董事因工作原因未出 席，委托洪佩丽董事表决。公司部分监事列席会议。会议的召开符 合《公司法》《公司章程》等规定。会议由陆华裕董事长主持，审 议通过了以下议案： 一、审议通过了《宁波银行股份有限公司2024年经营情况和 2025年工作安排》。 本议案同意票14票，反对票0票，弃权票0票。 二、审议通过了《宁波银行股份有限公司2024年度董事会工作 报告》。 本议案提交公司2024年年度股东大会审议。本报告在巨潮资讯 1 本议案同意 ...

证券代码：002142 证券简称：宁波银行 公告编号：2025-014 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 2024 年度利润分配预案公告 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、审议程序 宁波银行股份有限公司（以下简称"公司"）于2025年4月8日 召开第八届董事会第十次会议，审议通过了《宁波银行股份有限公 司2024年度利润分配预案》。本议案提交公司2024年年度股东大会 审议。 二、利润分配预案的基本情况 根据安永华明会计师事务所（特殊普通合伙）审定的2024年度 会计报表，母公司本级2024年度实现净利润为23,360百万元，加上 2023年末可供分配利润79,926百万元，扣除2023年度优先股股息 677百万元，扣除2023年度永续债利息345百万元，扣除2023年度应 付普通股股利3,962百万元，扣除提取的一般风险准备金3,420百万 元，2024年末可供分配利润为94,882百万元。目前公司业务经营正 常有序、财务运作规范稳健，公司有理由相信未来有能力足额支付 202 ...

Core Viewpoint - Ningbo Bank (002142) reported a revenue of 66.631 billion yuan for 2024, representing a year-on-year growth of 8.19% [1] - The net profit attributable to shareholders of the parent company reached 27.127 billion yuan, with a year-on-year increase of 6.23% [1] - The board approved a profit distribution plan, proposing a cash dividend of 9 yuan (including tax) for every 10 shares [1] Financial Performance - Revenue for 2024: 66.631 billion yuan, up 8.19% year-on-year [1] - Net profit for 2024: 27.127 billion yuan, up 6.23% year-on-year [1] Dividend Distribution - Cash dividend of 9 yuan per 10 shares approved by the board [1] - Distribution date for Ningxing You 1 preferred shares: November 18, 2024, amounting to 227 million yuan [1] - Distribution date for Ningxing You 2 preferred shares: November 7, 2024, amounting to 450 million yuan [1]

Dividend and Financial Performance - The company plans to distribute a cash dividend of 9 RMB per 10 shares to common shareholders, subject to approval at the 2024 annual general meeting[4]. - In 2024, the company's operating income reached RMB 66,631 million, an increase of 8.19% compared to RMB 61,585 million in 2023[25]. - The net profit for 2024 was RMB 27,221 million, reflecting a growth of 6.29% from RMB 25,609 million in 2023[25]. - The basic earnings per share for 2024 was RMB 3.95, a 5.33% increase from RMB 3.75 in 2023[25]. - The company reported a total of 20,593.50 billion in deposits, an increase of 18.68% compared to the previous year[27]. - The company’s total deposits at the end of the year were RMB 1,836.345 billion, reflecting a growth of 17.24% year-on-year[131]. - The company reported a significant increase in other business income, which rose by 178.79% to RMB 92 million due to increased gains from the disposal of investment properties[137]. Asset and Liability Management - Total assets as of December 31, 2024, amounted to RMB 3,125,232 million, representing a 15.25% increase from RMB 2,711,662 million at the end of 2023[26]. - The company's total liabilities increased by 15.20% to RMB 2,890,972 million from RMB 2,509,452 million in 2023[26]. - The company's equity attributable to ordinary shareholders increased by 15.88% to RMB 233,151 million from RMB 201,195 million in 2023[26]. - The company's total equity stood at 234.26 billion RMB, reflecting a 15.85% increase from the previous year, with retained earnings increasing by 155.77 billion RMB to 1,027.31 billion RMB[114]. Risk Management and Compliance - The company focuses on risk management, aiming to minimize risk costs and ensure sustainable development[20]. - The capital adequacy ratio was 15.32%, well above the regulatory standard of 10.75%[31]. - The non-performing loan ratio remained stable at 0.76%, within the acceptable limit of 5%[31]. - The bank's provisioning coverage ratio was 389.35%, indicating strong risk management practices[32]. - The company emphasizes effective risk management in derivative trading, with a focus on market, liquidity, credit, operational, and legal risks[143]. - The company has established a comprehensive market risk management system, focusing on interest rate and exchange rate risks, with regular stress testing to assess potential losses under extreme market conditions[165][166]. Digital Transformation and Innovation - The company is committed to integrating financial technology into its operations, investing significant resources annually to improve digital and intelligent capabilities[21]. - The company continues to focus on digital transformation to enhance operational efficiency and maintain a competitive edge in the market[54]. - The company is enhancing its wealth management strategy through technology empowerment and optimizing its operational system[199]. Customer Engagement and Market Strategy - The company emphasizes a strategy of supporting the real economy and serving small and medium-sized enterprises, enhancing financial services quality and efficiency[20]. - The company aims to deepen its market presence and optimize branch layouts based on regional customer characteristics, enhancing market competitiveness[19]. - The company focused on enhancing customer retention through innovative products and actively participated in deposit tenders to attract institutional clients[111]. - The company organized over 4,000 private banking events throughout the year, engaging more than 100,000 clients[200]. Awards and Recognition - The company received multiple awards in 2024, including ranking 10th in the "Top 100 Competitiveness of Chinese Banking Industry" and being recognized as the "Best Wealth Management Bank" by various institutions[23]. - The company received multiple awards from the China Foreign Exchange Trading Center, including "Annual Market Influential Institution" and "Market Innovation Business Institution"[198]. Financial Ratios and Performance Metrics - The net interest margin (NIM) for 2024 was 1.86%, a decrease of 2 basis points from the previous year, while the net interest spread was 1.91%, down 10 basis points[65]. - The average daily loan balance accounted for 54.66% of interest-earning assets, an increase of 1.20 percentage points year-on-year[65]. - The average loan yield for 2024 was 4.84%, a decrease of 29 basis points year-on-year, with corporate loans averaging 4.29% (down 10 basis points) and personal loans averaging 5.76% (down 58 basis points)[68]. - The company's total non-interest income for 2024 was 18.638 billion RMB, a decrease of 9.87% year-on-year, primarily due to market fluctuations affecting fee income and the fair value of derivative financial instruments[81].

Core Viewpoint - The article discusses the recent adjustments made by several banks in China regarding the minimum investment amounts for gold accumulation products, reflecting the rising gold prices and market conditions [3][5][6]. Group 1: Bank Adjustments - Everbright Bank has raised the minimum investment amount for its gold accumulation personal business from 700 yuan to 1000 yuan, an increase of nearly 43%, making it the highest among banks [3]. - Bank of China has also increased its minimum purchase amount for gold accumulation products from 700 yuan to 750 yuan, marking the second increase this year [5]. - Ningbo Bank has adjusted its minimum purchase amount for gold accumulation to 800 yuan per gram, which is currently the highest among banks [6]. Group 2: Market Trends - The recent adjustments in minimum investment amounts are seen as a response to the significant fluctuations in gold prices, with Shanghai gold prices exceeding 700 yuan per gram [8]. - Analysts suggest that the increase in minimum investment thresholds helps banks filter clients with better risk tolerance and investment experience, while also controlling the scale of personal gold accumulation business [8]. Group 3: Central Bank Actions - The People's Bank of China reported an increase in gold reserves to 7,370 million ounces by the end of March, up by 90,000 ounces from February, marking the fifth consecutive month of increases [10]. - The continuous increase in gold reserves is attributed to the changing global political and economic landscape, with expectations that international gold prices may remain high for an extended period [10][11]. - The low proportion of gold in China's international reserves, at 5.5%, compared to the global average of around 15%, indicates a potential for further increases in gold holdings by the central bank [11].

广东黄金协会首席黄金分析师朱志刚认为，黄金今年"涨不能停"，不断创下新高，上海金的价格已经超 过700元/克，本次调整起点也是为了和单位克数的价格进行匹配。 21世纪经济报道 记者 叶麦穗 广州报道 光大银行发布公告称，根据黄金积存业务相关监管规定，为顺应市场变化，该行将从2025年4月8日9： 30起对黄金积存个人业务定期投资起点金额进行调整。 本次光大银行将黄金积存个人业务定期投资起购金额由700元调整为1000元，单次上调幅度接近43%。 这也是目前积存金起点最高的银行。 多家银行上调积存金起点 除了光大银行之外，中国银行公告称，4月2日起，按金额购买积存金产品或创建积存定投计划时，最小 购买金额由700元调整为750元，追加购买金额维持200元的整数倍不变。这是今年以来中国银行第二次 上调黄金积存业务认购起点金额。2月中国银行公告称，自2月10日起，按金额购买积存金产品或创建积 存定投计划时，最小购买金额由650元调整为700元。 招商银行也在官网发布通告称，自2025年3月27日起，黄金账户活期买入起点及黄金账户定投起点由700 元/克调整为750元/克。调整前已设置成功的定投计划（含普通定投与智能 ...

Core Viewpoint - The digital wave and technological innovation are driving banks to break traditional service boundaries and promote inclusive financial services, with Ningbo Bank actively responding to national strategies through digitalization and technology empowerment [1][2]. Digital Transformation and Financial Services - Ningbo Bank has established specialized institutions such as technology branches and innovation departments to support technology-driven enterprises, providing full lifecycle support for sectors like semiconductors and intelligent manufacturing [2]. - The bank's "Financial Manager" system has been updated to enhance efficiency and reduce costs for enterprises, demonstrating the effectiveness of digital financial solutions [3][4]. Inclusive Finance Initiatives - Ningbo Bank focuses on providing convenient, efficient, and low-cost financing services for small and micro enterprises, addressing their financing challenges and promoting sustainable development [5][6]. - The bank's inclusive finance loan balance reached 219.94 billion yuan by the end of 2024, serving over 277,800 clients, with a decrease in interest rates by 0.6 percentage points compared to the beginning of the year [7]. Elderly Finance Development - The bank is actively developing its elderly finance business, offering a comprehensive system that includes pension finance, elderly service finance, and elderly industry finance, with over 163 products launched to support retirement planning [8]. - Ningbo Bank has provided over 1 billion yuan in credit to support smart elderly care equipment procurement and community elderly care center construction [8]. Conclusion - Ningbo Bank is committed to transforming policy guidance into tangible benefits for the public, focusing on digital empowerment to support national strategies and contribute to common prosperity [8].

Core Insights - As of April 7, the total market financing balance reached 1.84 trillion yuan, a decrease of 479.64 billion yuan from the previous trading day, marking a continuous decline for seven consecutive trading days [1] - The financing balance for the Shanghai Stock Exchange was 939.66 billion yuan, down by 191.48 billion yuan, while the Shenzhen Stock Exchange's balance was 899.17 billion yuan, decreasing by 285.57 billion yuan [1] - A total of 799 stocks experienced net financing inflows, with 125 stocks having net inflows exceeding 10 million yuan, and 17 stocks exceeding 50 million yuan [1] Individual Stock Performance - The top net financing inflow was seen in Ningde Times, with a net inflow of 846 million yuan, followed by Yonghui Supermarket and Shaanxi Coal, with net inflows of 191 million yuan and 151 million yuan respectively [1][2] - The average financing balance as a percentage of the circulating market value for stocks with significant net inflows was 2.65%, with Dongwu Securities having the highest ratio at 6.98% [2] Industry Analysis - The industries with the highest concentration of stocks receiving net inflows over 50 million yuan included banking, non-bank financials, and agriculture, forestry, animal husbandry, and fishery, with 5, 3, and 2 stocks respectively [1] - In terms of board distribution, 16 stocks with significant net inflows were from the main board, while only 1 stock was from the ChiNext board [1]

登录新浪财经APP 搜索【信披】查看更多考评等级 二、"宁行优02"持有人持股比例变动情况 公司于近日收到"宁行优02"持有人华宝信托有限责任公司（以下简称"华宝信托"）《关于持有"宁行优 02"比例变动的告知函》，自2024年11月12日至2025年4月1日期间，华宝信托持有"宁行优02"比例由 22.78%下降至12.72%，变动比例为10.06%。具体变动情况如下： 宁波银行股份有限公司关于 优先股持有人持股比例变动达10%的公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈述或重大遗 漏。 一、"宁行优02"的发行上市情况 经《宁波银监局关于宁波银行股份有限公司非公开发行优先股及修改公司章程的批复》（甬银监复 〔2018〕45号）及中国证监会《关于核准宁波银行股份有限公司非公开发行优先股的批复》（证监许可 〔2018〕1469号）批准，宁波银行股份有限公司（以下简称"公司"）于2018年11月完成向合格投资者非 公开发行优先股。该次发行数量为1亿股，按票面金额（面值）人民币100元发行，于2018年11月8日完 成验资。 经深圳证券交易所（深证上〔2018〕576号 ...