宁波银行（002142）公告，2024年营业收入为666.31亿元，同比增长8.19%；归属于母公司股东的净利 润为271.27亿元，同比增长6.23%。公司董事会审议通过的利润分配预案为每10股派发现金红利9元(含 税)。寧行優1优先股的分配时间为2024年11月18日，分配金额为2.27亿元。寧行優2优先股的分配时间 为2024年11月7日，分配金额为4.5亿元。 ...

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].

作 者丨叶麦穗 编 辑丨方海平 4月9日中午，经历数日震荡回调，现货黄金出现反弹，涨幅扩大至1%左右。 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2 0 2 5年4 月8日9 : 3 0起对黄金积存个人业务定期投资起点金额进行调整。 中央财经大学副教授刘春生表示，银行上调积存金认购门槛，一方面有助于银行筛选出更有 风险承受能力和投资经验的客户，还可以控制个人黄金积存业务规模，避免业务过度扩张带 来的风险。 本次光大银行将黄金积存个人业务定期投资起购金额由7 0 0元调整为1 0 0 0元， 单次上调幅度 接近4 3%。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7 0 0元调整为7 5 0元，追加购买金额维持2 0 0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 1 0 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 ...

从破解小微企业融资难题到助力科技企业自立自强，从守护"银发经济"到润泽民营经济活力，宁波银行 以数字化为基、科技为翼，交出了一份"金融为民"的高质量发展答卷，为经济社会高质量发展注入持久 动能。 数字化驱动实体经济高质量发展 2023年中央金融工作会议首次将科技金融列为"五篇大文章"之首，凸显金融服务实体经济的战略方向。 2024年，中国人民银行等七部门联合印发《关于扎实做好科技金融大文章的工作方案》，进一步明确科 技金融的生态构建路径。 在此背景下，宁波银行率先行动，成立科技支行、科创企业部等专营机构，创新以"技术价值"为核心的 授信模式，为半导体、智能制造等科技型企业提供全生命周期支持。2024年，宁波银行通过协助一家半 导体企业搭建智能排产排程管理系统，实现全年新增产能价值8000万元，印证了"金融+科技"的倍增效 应。 随着全球产业链、供应链、价值链的深度重构，越来越多中国企业选择"走出去"，积极参与全球市场竞 争。如何更好地帮助"走出去"企业，让他们越走越顺、行稳致远，成为金融机构的一道必答题。 "财资大管家这个系统今年又更新了，真是一次比一次好用，降本增效很直接，每年最起码减少了几十 万元的支出。 ...

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 ...

Group 1 - The core point of the announcement is the change in the shareholding ratio of the preferred stock "宁行优02" held by Huabao Trust, which decreased from 22.78% to 12.72%, a change of 10.06% [1][2] - The issuance of "宁行优02" was approved by the Ningbo Banking Regulatory Bureau and the China Securities Regulatory Commission, with a total of 100 million shares issued at a par value of 100 RMB per share [1] - The preferred shares were listed and began trading on the Shenzhen Stock Exchange on November 28, 2018 [1] Group 2 - The specific change in shareholding by Huabao Trust occurred between November 12, 2024, and April 1, 2025 [2] - The announcement includes a detailed table showing the shareholding before and after the change, highlighting the number of shares and the corresponding percentage of total issuance [2]

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 证券代码：002142 证券简称：宁波银行 公告编号：2025-010 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 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）同意，公司非公 开发行优先股于2018年11月28日起在深圳证券交易所综合协议交 易平台挂牌转让，证券 ...

Group 1 - The core point of the announcement is that from April 2, 2025, Taikang Fund Management Co., Ltd. will add Ningbo Bank as a sales institution for its Taikang North Exchange Selected Two-Year Regular Open Mixed Initiated Securities Investment Fund, allowing investors to conduct subscription, redemption, and conversion through Ningbo Bank [1][2] - Investors will enjoy a discount on subscription fees when they purchase the fund through Ningbo Bank, with specific discount rates to be announced by the bank [2] - The announcement emphasizes that the interpretation rights belong to Ningbo Bank, and the specific procedures for transactions during the promotional period will be subject to the bank's regulations [3]

宁波银行股份有限公司关于 2025 年第一期二级资本债券发行完毕的公告 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。 证券代码：002142 证券简称：宁波银行 公告编号：2025-009 优先股代码：140001、140007 优先股简称：宁行优01、宁行优02 本期债券募集的资金将依据适用法律和监管部门的要求，用于 补充公司二级资本。 特此公告。 宁波银行股份有限公司董事会 2025年3月28日 1 经国家金融监督管理总局宁波监管局和中国人民银行批准，宁 波银行股份有限公司（以下简称"公司"）于近日在全国银行间债 券市场发行了"宁波银行股份有限公司2025年第一期二级资本债 券"（以下简称"本期债券"）。 本期债券发行规模为人民币89亿元，品种为10年期固定利率债 券，在第5年末附有前提条件的发行人赎回权，票面利率2.18%。 ...

证券代码：002142 证券简称：宁波银行 公告编号：2025-008 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子公司 完成注册资本工商变更登记的公告 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"）第八届董事会第 五次会议审议通过了《关于对浙江宁银消费金融股份有限公司增资 的议案》，同意向浙江宁银消费金融股份有限公司（以下简称"宁 银消金"）增资不超过 15 亿元人民币。 根据《宁波金融监管局关于浙江宁银消费金融股份有限公司变 更注册资本的批复》（甬金复〔2025〕13 号），宁银消金于近日完 成了注册资本变更登记手续，并取得换发的《营业执照》。《营业执 照》所载宁银消金注册资本由人民币 2,911,494,250 元变更为人民 币 3,600,000,000 元。本次增资完成后，公司共持有宁银消金 33.90 亿股股份，占宁银消金总股本的 94.17%。 特此公告。 宁波银行股份有限公司董事会 2025 年 3 月 15 日 ...