由此给您带来的不便敬请谅解，期间如遇任何问题，可致电宁波银行客服热线，宁波银行将竭诚为您服 务！ 诚挚感谢您的理解与支持！特此公告。 2025年11月20日，宁波银行（002142）发布公告称，因人民银行小额支付系统、网上支付跨行清算系统 停运，2025年11月23日0:00-6:00期间，宁波银行将暂停个人网上银行、手机银行等电子渠道的跨行转账 交易和超级网银服务。 同时，为持续提升业务处理能力，提供更为优质的服务，宁波银行将于11月22日20:00-11月23日4:00期 间进行系统升级，届时宁波银行手机银行系统的权益领取、优惠券使用、波豆兑换、信用卡业务、财富 交易、资产查询、贷款、还款、银行卡绑定、短信通知、消息推送以及部分模块展示等功能将暂时停止 服务；客户服务系统仅支持电话接听，无法办理具体业务。其中11月23日0:00-2:00期间，宁波银行手机 银行系统、网上银行系统、财资大管家系统和数字人力系统将暂时停止服务。 ...

Core Viewpoint - The "2025 China Financial Institutions Annual Conference" held in Shenzhen focuses on empowering and reshaping value in the financial sector, with discussions on current economic and financial issues in China [1][2]. Group 1: Event Overview - The conference includes a main forum and six sub-forums covering various sectors such as securities investment banking, asset management, banking, insurance, trust, and futures [2]. - Over 1,000 industry elites from leading banks, insurance companies, securities firms, and futures companies participated in discussions [2]. Group 2: Awards and Recognitions - The "2025 China Banking Industry Tianji Award" results were announced, with over 100 banking institutions competing [2]. - Notable winners include: - Regional Influence Bank Tianji Award: Industrial Bank, Ningbo Bank, WeBank, and others [5]. - Outstanding Service Bank Tianji Award for the Guangdong-Hong Kong-Macao Greater Bay Area: China Construction Bank Shenzhen Branch, CITIC Bank Shenzhen Branch, and others [5]. - Outstanding Wealth Management Bank Tianji Award: Agricultural Bank of China Wealth Management, Ping An Wealth Management, and others [6]. Group 3: Specific Awards - Various awards were given for different categories, including: - Outstanding Consumer Finance Company Tianji Award: Zhaolian [6]. - Leading Wealth Management Team Tianji Award: Teams from Bank of China Wealth Management, Ping An Wealth Management, and others [11]. - Outstanding Mobile Banking APP Tianji Award: Shanghai Bank's mobile banking [18]. Group 4: Industry Impact - The Tianji Award, organized by the Securities Times, is a prestigious recognition in the banking sector, focusing on the progress and development of commercial banks over the past year [21]. - The award evaluation process combines quantitative indicators, expert reviews, and public voting, aiming to identify the best companies and innovations in the Chinese banking industry [21].

Core Insights - Ningbo Bank Shaoxing Branch hosted a series of events titled "Face-to-Face with New Social Security Policies," attracting over a hundred representatives from manufacturing and private enterprises, focusing on strategic upgrades to the business environment for private enterprises under the "14th Five-Year Plan" [1] - The bank introduced a customized financial service solution called "Digital Human Resources 3.0," which integrates recruitment, attendance, performance, and payroll processes to address management pain points while enhancing risk prevention and efficiency [3] Group 1 - The events aimed to interpret policies and provide tailored financial services to support compliant and stable operations for enterprises [1] - A senior lawyer was invited to discuss four core scenarios related to social security contributions, wage payments, employment of older workers, and unilateral termination of labor contracts, offering practical solutions to mitigate risks [1] Group 2 - The "Digital Human Resources 3.0" system features online management of electronic contracts, significantly improving efficiency and reducing risks [3] - The "Bobo Zhiliao" platform focuses on cost reduction and efficiency enhancement for enterprises, offering 22+2 services, including labor contract revisions and employment subsidy applications [3] - The bank's initiatives are aligned with the national "14th Five-Year Plan," aiming to empower enterprise management and inject new momentum into regional economic development through technological finance [3]

Core Insights - The A-share market saw a collective rise in bank stocks, with notable increases in China Bank, which rose nearly 3%, and other banks like Everbright Bank, Bank of Communications, and Agricultural Bank of China also showing gains of over 1% [1] Summary by Category Stock Performance - China Bank increased by 2.77%, reaching a total market capitalization of 191.39 billion, with a year-to-date increase of 12.62% [2] - Everbright Bank rose by 1.98%, with a market cap of 21.27 billion and a year-to-date decline of 2.61% [2] - Bank of Communications saw a 1.75% increase, with a market cap of 66.80 billion and a year-to-date increase of 2.38% [2] - Agricultural Bank of China increased by 1.10%, with a market cap of 289.79 billion and a year-to-date increase of 62.02% [2] - Other banks such as Construction Bank, Jiangsu Bank, and Industrial and Commercial Bank of China also reported gains, with year-to-date increases ranging from 15.34% to 25.13% [2] Historical Performance - China Bank reached a new historical high, following similar achievements by Agricultural Bank and Industrial and Commercial Bank [1]

登录新浪财经APP 搜索【信披】查看更多考评等级 据此，自2025年11月17日（因2025年11月16日为法定休息日，故顺延至下一个工作日）起，"宁行优 01"第三个计息周期的基准利率为1.59%，固定溢价为1.66%，票面股息率为3.25%，股息每会计年度支 付一次。 特此公告。 宁波银行股份有限公司董事会 2025年11月18日 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。 根据《宁波银行股份有限公司非公开发行优先股（第一期）募集说明书》（以下简称"《募集说明 书》"）的相关条款，宁波银行股份有限公司于2015年11月非公开发行的优先股（简称"宁行优01"，代 码"140001"）采用分阶段调整的票面股息率，自缴费截止日（2015年11月16日）起每五年为一个计息周 期，每个计息周期内票面股息率相同。"宁行优01"的第二个计息周期至2025年11月16日满五年，现调整 确定"宁行优01"的第三个计息周期的票面股息率。 "宁行优01"的第三个计息周期的票面股息率确定方式为根据基准利率调整日的基准利率加首次定价时所 确定的固定溢价得出。其中，当期基准利率 ...

（文章来源：证券日报） 证券日报网讯宁波银行11月18日在互动平台回答投资者提问时表示，公司始终聚焦新质生产力培育、未 来产业建设以及增强人民群众获得感和幸福感的相关领域，持续做大客户总量、做深客户经营，全心全 意服务实体经济，为公司可持续发展筑牢坚实基础。 ...

Core Viewpoint - Major investment banks like UBS and Goldman Sachs are optimistic about the performance of the Chinese market in 2026, highlighting opportunities in sectors such as AI and overseas expansion [1][7]. Group 1: Market Performance and Trends - The A-share market has experienced fluctuations, with the Shanghai Composite Index closing at 3939.81 points on November 18, down 0.81% [2]. - Despite market volatility, foreign investment interest remains high, with over 100 A-share companies receiving foreign research attention this month [2][4]. - The overall health of corporate earnings, supported by robust Q3 reports, indicates that recent market fluctuations are more influenced by sentiment rather than fundamental weaknesses [6]. Group 2: Foreign Investment and Research - AI companies are the most favored by foreign investors, with Optoelectronics receiving 92 institutional research visits, over half from foreign entities [2][3]. - Other notable companies attracting foreign research include BeiGene, Luxshare Precision, and Huichuan Technology, all of which are involved in AI or technology sectors [4][5]. - The trend shows that large-cap stocks continue to attract foreign interest, with companies like Wens Foodstuffs, Industrial Fulian, and BYD being included in recent foreign research lists [4]. Group 3: Future Outlook and Investment Themes - UBS forecasts that the Chinese stock market will experience another prosperous year in 2026, driven by innovation, particularly in AI, and supportive policies for private enterprises [7]. - Key investment themes identified by UBS include internet, hardware technology, and brokerage sectors, while high-dividend stocks are being deprioritized [7]. - Goldman Sachs also highlights several investment themes expected to outperform the market, including the return of private enterprises, overseas expansion, and AI-related sectors [7].

Market Overview - The city commercial bank sector experienced a decline of 0.75% on November 18, with Zhengzhou Bank leading the drop [1] - The Shanghai Composite Index closed at 3939.81, down 0.81%, while the Shenzhen Component Index closed at 13080.49, down 0.92% [1] Individual Stock Performance - Zhengzhou Bank's stock closed at 2.03, down 1.46% with a trading volume of 1.3032 million shares and a transaction value of 266 million [2] - Xiamen Bank closed at 7.13, down 1.38%, with a trading volume of 144,000 shares [2] - Nanjing Bank closed at 11.48, down 0.09%, with a trading volume of 385,400 shares [1] - The highest closing price was for Ningbo Bank at 28.70, down 0.35% [1] Capital Flow Analysis - The city commercial bank sector saw a net outflow of 183 million from institutional investors, while retail investors contributed a net inflow of 74.99 million [2] - The main capital inflow was observed in stocks like Nanjing Bank, which had a net inflow of 62.45 million from institutional investors [3] - Conversely, stocks like Xiamen Bank and Zhengzhou Bank experienced significant net outflows from institutional investors, amounting to 8.32 million and 4.80 million respectively [3]

Core Viewpoints - The mid-term dividend rush in the banking sector is nearing its end but is not yet finished, potentially extending until the end of November [4][11][26] - The four major banks have announced mid-term dividends earlier this year compared to last year, with the record date for dividends set for mid-December, which is nearly one month earlier than last year [7][11] - The recent rise in the banking sector is primarily driven by changes in market investment style, with mid-term dividends acting as a catalyst [4][11][26] Investment Strategy Post-Dividend Rush - After the mid-term dividend rush, the banking sector may experience short-term fluctuations, but it is unlikely that the overall trend has ended [5][14][26] - There are expected investment opportunities in the banking sector before the main spring rally is identified, suggesting that investors should overlook short-term volatility [5][16][26] - The demand for insurance funds and the need for asset allocation in a low-interest-rate environment make stable bank stocks attractive [5][16][26] Stock Selection Recommendations - Focus on high-dividend, fundamentally strong stocks in the short term, while also considering quality stocks for potential upside [6][26] - Recommended stocks include Industrial and Commercial Bank of China and China Merchants Bank for their stability, as well as Ningbo Bank and Chongqing Bank for their upward momentum [6][26] - Low-valuation banks such as Changsha Bank and Chongqing Rural Commercial Bank are also suggested for consideration [6][26] Market Performance Insights - The banking index has shown a cumulative increase of 7.7% from October 14 to November 14, 2025, with individual banks like ICBC and ABC showing significant gains [11][26] - The cumulative gains of the four major banks from December 2024 were 12.5%, 11.0%, 10.2%, and 10.0%, respectively, indicating a strong performance leading into the new year [7][11] Fundamental Analysis - The banking sector's fundamentals are expected to stabilize, with net interest margins showing signs of improvement [23][26] - The asset quality of listed banks is at its best level in recent years, with retail non-performing loans gradually being cleared [23][26]

Core Viewpoint - The asset scale of urban commercial banks in China has surpassed 60 trillion yuan, marking significant growth over the past 30 years, with a 134-fold increase since 1995, and now accounting for 13.53% of the total assets of banking financial institutions [2][4]. Development of Urban Commercial Banks - Urban commercial banks have evolved into a crucial part of China's multi-tiered financial system since their establishment in 1995, with a focus on serving urban residents, small and medium-sized enterprises, and local economies [4]. - Key financial indicators for urban commercial banks show stable profitability, improved asset quality, a non-performing loan rate of 1.76%, a provision coverage ratio of 188.08%, and a capital adequacy ratio of 12.97% as of the end of 2024 [4]. Market Position and Performance - As of 2024, there are 12 urban commercial banks with asset scales exceeding 1 trillion yuan, and 5 of these banks are classified as systemically important banks in China [4]. - The market share of urban commercial banks has increased by 8.24 percentage points over the years, reflecting their growing significance in the banking sector [4]. Financial Resource Allocation - Urban commercial banks have strategically focused on high-quality development areas and sectors that align with their capabilities, continuously exploring differentiated and specialized development paths [5]. Market Capitalization of Listed Banks - Among the 17 urban commercial banks listed on the A-share market, Jiangsu Bank, Ningbo Bank, and Shanghai Bank have the highest market capitalizations, with Jiangsu Bank nearing 200 billion yuan and Ningbo Bank at 190.2 billion yuan [7][8].