一次偶然的机会，科莱德邂逅了宁波银行深圳银行。 很快，宁波银行深圳分行的智能化跨境金融平台通过直联跨境电商平台API接口，协助科莱德实时获取订单、物流、资金流信息，自动匹配最优结算路 径，为这家企业带来"一键申报、外贸收款秒级到账"的金融服务体验。 与此同时，围绕科莱德的个性化汇率风险管理需求，宁波银行深圳银行的"外汇金管家"系统服务向科莱德提供涵盖行情触发、业务决策、交易达成、交易 回溯的汇率管理决策支持，帮助企业规避汇率波动风险"管好钱"。 如今，类似的故事每天都在宁波银行发生着…… 深圳市科莱德电子有限公司是一家专注车载智能多媒体播放器研发，生产销售的企业。近年，这家企业通过电商平台将产品远销海外，年出口额达到约 3000万美元。 随着外贸业务持续增长，科莱德发现自己在跨境收款时效、结售汇操作、汇率风险管理、外币理财等方面遭遇诸多挑战。 随着越来越多中资企业纷纷出海，如何快速响应并高效解决企业的跨境资金结算、货币兑换、汇率风险管理、资金归集、资金理财等多元金融服务，成为 银行持续提升跨境金融服务品质、增强金融服务实体经济发展能力的一道"必答题"。 近年，宁波银行积极响应国家政策导向，敏锐洞察企业发展新趋 ...

上市银行红利派发高峰期已至。 6月27日，沪农商行、渝农商行和浙商银行实施了2024年度现金红利派发。至此，已有26家银行落地了2024年 度末期利润分配方案，叠加已实施的中期分红，年度分红合计已达4273.83亿元。 这意味着A股上市银行落地分红总额已完成了近七成。根据wind统计数据，2024年A股上市银行现金分红总额 将达6319.56亿元，相较去年增加了近两百亿元，增幅为3.03%。 另外，光大银行还于6月27日晚间发布公告，该行股东大会审议通过了2024年度末期利润分配方案。这也意味 着，16家还未完全实施2024年度利润分配方案的A股上市银行，分红方案均已股东大会通过，有待后续正式落 地。 现金分红总额提高近两百亿元 今年上市银行的分红动作明显前置，有近一半的A股上市银行集中于6月份落地实施2024年度利润分配方案。 截至6月27日，有14家银行均完成了2024年中期和末期分红，包括：国有大行中的4家银行，即建设银行、邮储 银行、中国银行、交通银行；股份行中的华夏银行、平安银行；以及8家区域银行，即沪农商行、渝农商行、 厦门银行、南京银行、上海银行、齐鲁银行、紫金银行、苏州银行。 从分红力度看，绝 ...

Core Viewpoint - Ningbo Bank is leveraging financial technology innovations to address the diverse financial needs of urban merchants and small businesses, enhancing their operational efficiency and supporting their digital transformation [2][4][6]. Group 1: Financial Technology Innovations - Ningbo Bank has developed the "Ningxing Cloud," the first cloud brand among domestic city commercial banks, utilizing cloud computing and distributed technology to provide professional and digital financial solutions [2][4]. - The "Ningxing Cloud" offers seven core products that cover the entire business management process, including comprehensive financial services such as fund management, foreign exchange, invoicing, payment, and payroll [4][5]. - The platform supports various service outputs, including standardized, customized, and private solutions, tailored to meet the specific needs of enterprises [4][5]. Group 2: Security and Efficiency - The two key features of "Ningxing Cloud" are efficiency and security, allowing businesses to access a full range of services with a single application, significantly improving operational efficiency [4][5]. - The platform is built with high-level security measures, ensuring that the data center meets the highest standards for network, server, operating system, and application system security [4][6]. Group 3: Comprehensive Product Matrix - Ningbo Bank has upgraded multiple core products since the launch of "Ningxing Cloud," creating a comprehensive digital service system that includes fund management, treasury services, human resources, and cross-border finance [5][6]. - The "Digital Human 3.0" system provides a comprehensive personnel management solution, enabling real-time monitoring of labor costs and efficiency for business owners [5]. - The "Treasury Service 2.0" has been enhanced to include a "6 Full" service system, covering all aspects of consulting, business, risk management, overseas connections, system openness, and user support [5][6]. Group 4: Cross-Border Financial Services - The "Foreign Exchange Manager" platform integrates over 200 functions to provide comprehensive services for more than 50,000 cross-border trade and investment enterprises, facilitating settlement, financing, and risk management [6]. - The mobile "Foreign Exchange Manager" app allows businesses to manage foreign exchange operations anytime and anywhere, marking a significant step in the digital transformation of cross-border enterprises [6]. Group 5: Future Outlook - Ningbo Bank aims to deepen its technological empowerment and connect more enterprises through cloud interactions, driving value creation and supporting the high-quality development of the real economy [6].

Core Viewpoint - Ningbo Bank Nanjing Branch has evolved over 17 years, significantly contributing to the financial landscape and economic development of Nanjing, while focusing on innovation and high-quality financial services [1][2][12]. Group 1: Development and Achievements - Since its establishment in 2006, Ningbo Bank Nanjing Branch has witnessed Nanjing's economic growth from 381.5 billion to 1.85 trillion [2]. - The branch has expanded to 26 operating institutions and employs 1,500 staff, with total deposits of 150 billion and total assets of 220 billion [3]. - It has consistently achieved a B-level regulatory rating from Jiangsu Banking Regulatory Bureau and has received multiple honors for its contributions to local economic development [3]. Group 2: Financial Services and Innovation - The bank has developed a financial service system characterized by specialization, digitization, platformization, and internationalization, aiming to differentiate itself in the market [3]. - It has launched various digital products to support the digital transformation of local industries, providing services to over 200 companies, including unicorns and small giants [6]. - The bank has focused on supporting modern industrial upgrades and has implemented favorable credit policies for the manufacturing sector [6]. Group 3: Community Engagement and Social Responsibility - Ningbo Bank Nanjing Branch emphasizes social responsibility through community engagement and has initiated various programs to support local consumption and cultural heritage [8][11]. - The bank has developed a comprehensive elderly care financial system and has actively participated in local social welfare initiatives [8]. - It has also engaged in environmental protection efforts, aligning with national carbon reduction goals through various ecological projects [9][10]. Group 4: Future Outlook - As it approaches its 17th anniversary, the bank aims to align with national development strategies, focusing on high-quality financial services that empower technological and industrial innovation [12].

Core Viewpoint - Ningbo Bank's recent marketing strategy involving the launch of a toy called "LABOBO" has sparked significant controversy, primarily due to concerns over compliance with regulatory standards for deposit solicitation and potential copyright infringement [2][3][6]. Group 1: Marketing Strategy and Regulatory Concerns - The introduction of LABOBO, a toy resembling the popular Labubu, aims to attract depositors amidst increasing pressure on the bank's deposit growth [2][3]. - Other banks, such as Ping An Bank, have faced scrutiny for similar promotional activities that involve giving away toys in exchange for deposits, leading to regulatory warnings [3][6]. - Ningbo Bank's marketing initiative has drawn public attention, with mixed reactions regarding its legality and ethical implications [6][3]. Group 2: Financial Performance and Growth Challenges - Ningbo Bank experienced rapid growth prior to 2022, with total assets exceeding 2 trillion yuan and consistent annual growth rates of over 20% in revenue and net profit [7][8]. - However, since 2022, the bank has seen a decline in growth rates across key financial metrics, with total asset growth rates dropping to 17.39% in 2022 and further declining in subsequent quarters [7][8]. - The bank's reliance on net interest income, which constitutes 65% to 70% of total revenue, has made it vulnerable to the narrowing interest margin due to decreasing loan market rates [8][10]. Group 3: Operational Pressures and Employee Feedback - Employees at Ningbo Bank face significant pressure to meet aggressive sales targets, leading to complaints about excessive phone solicitation to customers [11][12]. - Reports indicate that employees are required to make a high volume of calls daily, with penalties for not meeting these targets, contributing to a stressful work environment [12][13]. - The bank's focus on traditional retail banking has become a burden as market conditions change, leading to a mismatch between employee expectations and operational realities [10][11]. Group 4: Leadership and Strategic Direction - Chairman Lu Huayu has led Ningbo Bank for 20 years, overseeing its transformation and growth, but faces challenges in adapting to a changing financial landscape [14][19]. - Under Lu's leadership, the bank has embraced digital transformation and focused on serving small and micro enterprises, which has been crucial for its growth [19][20]. - The bank's future direction may be influenced by regulatory pressures regarding leadership tenure, as Lu's long-term position raises questions about governance and innovation [20].

Core Viewpoint - The banking industry is experiencing a significant salary reduction trend, particularly affecting high-level executives, with a notable increase in the number of banks reporting salary cuts and the extent of these reductions [2][3][5]. Group 1: Salary Reduction Trends - In 2023, 14 out of 42 listed banks in A-shares reported a decline in average salary, with the maximum drop reaching 13.59%. This number increased to 18 banks in 2024, with the maximum decline expanding to 15% [2]. - The total compensation for bank management decreased from 870 million yuan in 2023 to 700 million yuan in 2024, a drop of 19.5%. Meanwhile, the average salary for bank employees fell from 462,300 yuan to 444,900 yuan, a decrease of 2.68% [6][7]. Group 2: Executive Salary Cuts - A significant 78.5% of the management teams in listed banks saw their salaries decrease year-on-year in 2024. The average salary for executives in various banks has been notably impacted, with some banks experiencing drastic reductions [5][10]. - Specific banks like Everbright Bank and Zhejiang Commercial Bank saw executive salary reductions of 57.9% and 39.72%, respectively, indicating a trend where executive pay is being cut more severely than that of general employees [10]. Group 3: Factors Influencing Salary Changes - The primary driver of salary fluctuations in banks is the variable component of compensation, which is heavily influenced by the banks' revenue and profit conditions. The floating salary constitutes 65% of the total compensation, making it a critical factor [12][13]. - The banking sector is facing significant revenue pressures, with the average net interest margin dropping to 1.52% in 2024, a decline of 17 basis points from 2023. This has led to a 2.20% decrease in net interest income, marking two consecutive years of negative growth [14][15]. Group 4: Structural Adjustments and Policy Impacts - The banking industry is undergoing structural adjustments, with a focus on risk management and governance. Policies such as the "salary limit order" have imposed constraints on executive compensation, leading to a shift in how salaries are structured [16][17]. - The emphasis on "cost reduction and efficiency enhancement" has resulted in banks prioritizing compensation for frontline and value-creating positions, further contributing to the decline in executive salaries [18][17]. Group 5: Performance-Based Salary Recovery - The trend of "reverse salary recovery" has emerged, where banks reclaim performance bonuses from executives based on risk management failures. This practice aims to align compensation with long-term risk management rather than short-term performance [20][21]. - The total amount reclaimed through reverse salary recovery has approached 99 million yuan, indicating a significant shift in the banking industry's approach to executive compensation and risk management [20].

随后，Xnurta市场与生态伙伴总经理郑燕雪以《破局与升维：品牌营销创新，驱动溢价能力跃迁》为题，分享了如何以AI为驱动，重塑企业内部的组织结构 与标准作业流程（SOP）。深圳市讯应科技高级合伙人/COO周迪则带来了《智能人事合规，企业掌握主动权》的精彩分享，深入讲解了如何通过AI技术实 现人力合规管理，强调筑牢人力安全线是跨境卖家私域营销的隐形护城河。 在自由交流环节，与会企业代表与嘉宾就AI在跨境电商中的实际应用、企业出海策略、财税合规等问题进行了深入探讨。宁波银行深圳分行团队还现场演 示了"外汇金管家"系统的一体化账户管理功能，并推介了"波波知了"平台的多项服务，吸引了多家企业代表咨询。现场企业代表纷纷表示，本次活动不仅提 供了宝贵的行业洞察，也为他们提供了与金融机构、行业协会深度合作的契机。 本次活动通过政策解读、案例分享与资源对接，为企业提供了应对复杂经济环境的决策参考，搭建了政银企协同发展的桥梁。未来，宁波银行深圳分行将继 续与商协会等渠道深化合作，持续推出系列金融助企活动，推动"科技+金融"服务模式的创新与落地，助力企业缩短创新周期、突破资源壁垒，为区域经济 高质量发展注入新动能。（通讯员：刘硕 ...

编号:2025-21 | 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： | | 活动参与人员 | 公司投关团队； | | | T. Rowe Price Nicolas Vidale | | 时间 | 年 月 日上午 2025 6 13 | | 地点 | 电话会议 | | 形式 | 电话会议 | | | 1、请问公司贷款增速较高，未来能否保持？ 答：近年来，公司认真贯彻落实各级政府和金融监管部门的决策部署，聚焦 | | | 生产力加速培育，公司将持续扩大金融服务的覆盖面，有效对接实体经济融 | | | 民营小微企业、制造业企业、进出口企业、民生消费等重点领域，加大资源 倾斜和支持力度，持续提升金融服务水准，助力实体经济提质增效，实现贷 | | | 款规模稳步增长。下阶段，随着扩内需、促消费等政策红利持续释放，新质 | | | 资需求，保持信贷合理增长，切实支持实体经济发展。 | | | 2、请问公司分红增长较快原因？ | | 交流内容及具体 | 答：稳定的分红是 ...

编号:2025-20 | 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： | | 活动参与人员 | 公司投关团队； | | | Point72 Asset Mgmt Vincent Gu | | 时间 | 年 月 日上午 2025 6 5 | | 地点 | 电话会议 | | 形式 | 电话会议 | | | 1、请问公司分红增长较快原因？ 答：稳定的分红是股东投资回报的重要组成部分，公司始终将为股东创造良 | | | 发现金红利 9 元（含税），连续第二年增加分红金额。未来，公司将继续统 | | | 好回报作为经营管理的重要考量。2024 年度利润分配方案为每 10 股普通股派 | | | 筹好分红与内源性资本增长的关系，夯实业务稳健可持续发展所必需的资本 | | | 基础。 | | | 2、请问公司贷款增速较高，未来能否保持？ | | | 答：近年来，公司认真贯彻落实各级政府和金融监管部门的决策部署，聚焦 | | | 民营小微企业、制造业企业、进出口企业、民生消费 ...

| 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： | | 活动参与人员 | 公司投关团队； | | | ABRDN Group PLC Joanne Cheng； | | | Barings LLC - Investment Advisor Baiding Rong； | | | BEA Union Inv Mgmt Ltd Elton Kai Lim Cheung、Dingyu Weng； | | | China Orient Pension Asset Mgmt Co Ltd Yuchen Zhang； | | | Dymon Asia Capital HK Ltd Irene Zhou； | | | East Capital Asset Mgmt Hao Zhang； | | | Fosun Intl Ltd Yu Jia； | | | Lazard Asset Mgmt LLC Fisher Xi、Michelle Liu； | | | Millenni ...