证券代码：002142 证券简称：宁波银行 公告编号：2025-050 优先股代码：140001 优先股简称：宁行优01 2、自分配方案披露至实施期间公司股本总额未发生变化，本 次分红派息按分配比例不变的原则实施。 3、本次实施的分配方案与股东大会审议通过的分配方案一致。 4、本次实施分配方案距离股东大会审议通过的时间未超过两 个月。 二、 本次实施的利润分派方案 1 宁波银行股份有限公司 2025 年半年度权益分派实施公告 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"）2025年半年度权 益分派方案已经2025年12月8日召开的公司2025年第二次临时股 东大会审议通过，现将权益分派事宜公告如下： 一、 股东大会审议通过利润分配方案等情况 1、2025年12月8日，公司2025年第二次临时股东大会审议通 过了《宁波银行股份有限公司2025年中期利润分配方案》：向权益 分派股权登记日收市后登记在册的普通股股东派发现金红利，每 10股派发现金红利3元（含税），不送红股，不以公积金转增股本。 公司2025年半年度权益分派方 ...

Group 1: Asset Quality Outlook - The company anticipates maintaining a good asset quality level within the industry despite new challenges from economic cycles and external conditions [2] - It will focus on key areas and adhere to a risk management baseline, implementing prudent credit policies and enhancing risk monitoring through financial technology [2] Group 2: Loan Growth Sustainability - The company has been increasing its loan scale by focusing on key sectors such as private small and micro enterprises, manufacturing, and consumer spending [2] - Future loan growth is expected to continue as policies promoting domestic demand and consumption are released, effectively meeting the financing needs of the real economy [2] Group 3: Refinance and Internal Growth - The company aims to balance dividends with internal capital growth to ensure a solid capital foundation for sustainable business development [2] - Internal capital is expected to create greater value for the company, with ongoing efforts to enhance performance and provide returns to shareholders [2] Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured full communication with investors and adhered to disclosure regulations, with no significant undisclosed information leaked [2]

2025年12月8日，宁波银行发布公告称，经国家金融监督管理总局宁波监管局审核通过，宁波银行股份 有限公司中央花园社区支行终止营业，《中华人民共和国金融许可证》已经注销，现予以公告。 机构名称：宁波银行股份有限公司中央花园社区支行 机构编码：B0152S233020154 许可证流水号：01040271 电 话：0574-87235255 业务范围：吸收公众存款；办理国内外结算；代理发行、代理兑付政府债券；从事银行卡业务；代理收 付款项及代理保险业务；总行等上级机构在银行业监督管理机构批准的业务范围内授权开展的其他业 务。 发证机关：中国银行保险监督管理委员会宁波监管局 批准成立日期：2014年01月22日 营业地址：宁波市海曙区西河街38、40号 邮政编码：315099 发证日期：2021年08月25日 ...

据2025年第二次临时股东大会会议材料显示，为优化公司治理结构、提升公司治理运作效率，根据《中 华人民共和国公司法》以及中国证券监督管理委员会、国家金融监督管理总局关于监事会设置的有关要 求，宁波银行不再设立监事会，由董事会审计委员会行使法律法规规定的监事会职权，监事会下设专门 委员会同步撤销。《宁波银行股份有限公司监事会议事规则》等监事会相关公司治理文件相应废止。上 述调整自本次股东大会修订的《公司章程》获国家金融监督管理总局宁波监管局核准之日起生效。如公 司第八届监事会在上述调整生效前任期届满，将不再换届，依照法律法规和《公司章程》等有关规定继 续履职至调整生效之日。 北京商报讯（记者 孟凡霞 周义力）12月8日，宁波银行发布2025年第二次临时股东大会决议公告，会议 审议通过了《关于不再设立监事会的议案》。 ...

Group 1 - The banking industry is entering a "New Year" preparation phase, with some banks raising fixed deposit rates despite a general downward trend in deposit rates [1][4] - Banks like Hangzhou Bank, Ningbo Bank, and Shengjing Bank have recently increased rates on certain deposit products to attract customers during the traditional year-end savings season [1][3] - The increase in deposit rates is seen as a temporary measure by some banks, with potential for future rate reductions as they aim to lower funding costs [1][4] Group 2 - Specific rate adjustments include Hangzhou Bank raising its 3-year fixed deposit rate for new funds of 200,000 yuan to 1.9%, an increase of 10 basis points [2][3] - Ningbo Bank has also raised its 1-year fixed deposit rate for new funds of 200,000 yuan to a maximum of 1.6%, up from 1.5% [3] - Shengjing Bank introduced new deposit products with rates of 1.65%, 1.75%, and 1.85% for 1-year, 2-year, and 3-year terms, respectively [3] Group 3 - Industry experts suggest that the rate increases are a response to competitive pressures, particularly among smaller regional banks, as they prepare for the upcoming "New Year" competition [4] - Some banks have begun to phase out high-cost long-term deposits, with major state-owned banks collectively withdrawing 5-year large-denomination certificates of deposit [5] - The current environment allows banks to flexibly adjust deposit rates based on their specific business strategies and market conditions [5][6] Group 4 - The trend of declining long-term deposit products is evident, with major banks lowering rates and some even discontinuing 3-year and 5-year fixed deposit products [10] - As deposit rates approach zero, there is a growing interest among residents in investment and wealth management alternatives, with a notable shift towards diversified asset allocation [11][13] - The "New Three Golds" investment strategy, which includes money market funds, bond funds, and gold ETFs, is gaining popularity among younger investors as they seek stable returns with manageable risks [8][9][14]

证券代码：002142 证券简称：宁波银行 公告编号：2025-049 优先股代码：140001 优先股简称：宁行优01 宁波银行股份有限公司 2025 年第二次临时股东大会决议公告 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、误导性陈述或重大遗漏。 特别提示： (一) 本次股东大会不存在否决议案的情况。 (二) 本次股东大会不存在变更前次股东大会决议的情况。 一、会议召开和出席情况 （一）会议召开情况 1、会议召开时间 （1）现场会议召开时间：2025 年 12 月 8 日（星期一）下午 15:30。 （2）网络投票时间：通过深圳证券交易所交易系统进行网络 投票的时间为 2025 年 12 月 8 日上午 9:15-9:25，9:30-11:30，下 午 13:00-15:00；通过深圳证券交易所互联网投票系统投票的时间 为 2025 年 12 月 8 日 9:15-15:00。 2、会议地点：宁波朗豪酒店。 3、召开方式：采取现场投票与网络投票相结合的方式。 1 4、召集人：宁波银行股份有限公司（以下简称"公司"）董事 会。 5、主持人：公司董事长陆华裕先生。 6、本次会议的 ...

地址：中国宁波市高新区光华路 299 弄 37 号研发园 C 区 15 幢 4 楼 ADD：4F No37 Lane 299 Guanghua Road National Hi-tech Zone ,Ningbo,China. 邮编：315048 Postal Code：315048 传真：+(86)574-2783-6060 Fax：+(86)574-2783-6060 电话：+(86)574-2783-6016 Tel：+(86)574-2783-6016 网址：www.nbbnlaw.com Web：www.nbbnlaw.com 浙 江波 宁律 师事 务所 关于宁波银行股份有限公司 2025 年第二次临时股东大会之 法 律意 见书 致：宁波银行股份有限公司 浙江波宁律师事务所（以下简称"本所"）接受宁波银行股份有 限公司（以下简称"公司"）的委托，根据《中华人民共和国公司法》 （以下简称《公司法》）、《中华人民共和国商业银行法》《上市公 司股东大会规则》《银行保险机构公司治理准则》等现行有效的法律、 行政法规、规范性文件和《宁波银行股份有限公司章程》（以下简称 《公司章程》）的有关规定，指派本所执业律 ...

Group 1 - The city commercial bank sector experienced a decline of 0.31% on December 8, with Shanghai Bank leading the drop [1] - The Shanghai Composite Index closed at 3924.08, up 0.54%, while the Shenzhen Component Index closed at 13329.99, up 1.39% [1] - Key individual stock performances in the city commercial bank sector included Xiamen Bank rising by 3.32% and Shanghai Bank falling by 1.43% [1][2] Group 2 - The net inflow of main funds into the city commercial bank sector was 129 million yuan, while retail investors saw a net outflow of 156 million yuan [2] - The table of fund flows indicated that Jiangsu Bank had a net outflow of 56.86 million yuan from main funds, while Hangzhou Bank had a net inflow of 49.79 million yuan [3] - The overall trend showed that retail investors were withdrawing funds from several banks, with notable outflows from Suzhou Bank and Qingdao Bank [3]

Core Insights - The article emphasizes the importance of inclusive finance in supporting small and micro enterprises, which are crucial for employment stability and economic vitality [1][8] - Ningbo Bank has developed a comprehensive inclusive finance service system, moving from merely providing funds to offering integrated support for businesses [1][8] Group 1: Financing Solutions - Ningbo Bank has launched a series of credit products such as "Small Micro Loan" and "Easy Loan" to address the financing challenges faced by small and micro enterprises, allowing them to access funds without traditional collateral requirements [2][3] - The "Small Micro Loan" product utilizes big data to create a scientific credit evaluation system, offering credit limits up to 3 million yuan and significantly improving financing efficiency [2][3] - In the first half of 2025, "Small Micro Loan" provided over 38 billion yuan in credit support to more than 20,000 small and micro enterprises [2] Group 2: Financial Management and Digital Solutions - Ningbo Bank promotes a "No Repayment Renewal Loan" policy to alleviate the cash flow issues faced by small enterprises, simplifying the renewal process through digital channels [3][4] - The "Financial Manager" service integrates various financial systems to enhance fund management efficiency for enterprises [4] - The "Lightning Check" feature of the Financial Manager allows real-time tracking of payment statuses, improving operational efficiency by 70% for businesses [5] Group 3: International Business and Risk Management - Ningbo Bank has developed the "Foreign Exchange Manager" platform to provide comprehensive foreign exchange services for over 60,000 cross-border enterprises, integrating advanced technologies [5][6] - The bank offers professional services in exchange rate management and asset allocation, helping businesses mitigate risks and reduce financial costs [6] Group 4: Comprehensive Support for Innovation - The "Bobo Zhiliao" platform provides a one-stop solution for enterprises, integrating resources and expert support to address challenges such as carbon emissions compliance [6][7] - Ningbo Bank focuses on supporting technology-driven enterprises by facilitating the transformation of research outcomes into practical applications [7][8] - The bank organizes events to foster collaboration between academia and industry, enhancing the technological capabilities of enterprises [7][8] Group 5: Commitment to Inclusive Finance - Ningbo Bank aims to build a sustainable ecosystem by extending financial services beyond mere funding to include resource integration and professional support [6][8] - The bank is committed to exploring new models and pathways for high-quality development in inclusive finance [8]

Market Sentiment - The current market sentiment score is 74, indicating a "relatively hot" market condition, with a tendency for the market to enter a consolidation phase as sentiment becomes cautious [4][6]. Hot Themes Tracking - **Non-ferrous Metals**: Demand expectations are boosted by potential US interest rate cuts, with copper prices rising due to financial attributes and supply constraints. Key stocks include Zijin Mining (601899) and China Aluminum (601600) [4]. - **Banking Sector**: Bank stocks offer high dividend yields, with the China Securities Bank Index yielding 6.02%, significantly above the 10-year government bond yield. This makes bank stocks attractive for long-term investors during economic slowdowns. Relevant stocks include Agricultural Bank of China (601288) and Ningbo Bank (002142) [4]. - **AI Mobile Phones**: ZTE has released a limited version of the Nubia M153 smartphone featuring the "Doubao Phone Assistant," aimed at developers and tech enthusiasts. This assistant operates at a system level, allowing for complex command execution. Related stocks include ZTE Corporation (000063) and Guanghetong (300638) [4]. Capital Flow Analysis - **Net Inflow**: The top stocks by net inflow include C-More-U (688795.SH) with 171,088.72 million, followed by BOE Technology Group (000725.SZ) with 91,808.23 million [7]. - **Net Outflow**: The stocks with the highest net outflow include Heertai (002402.SZ) with -192,121.31 million and Sanhua Intelligent Control (002050.SZ) with -100,152.71 million [9]. - **Industry Net Inflow**: The non-ferrous metals industry leads with a net inflow of 105,095 million, followed by the computer sector with 94,326 million [13]. Investment Strategy Recommendations - In a "relatively hot" market, it is advisable to moderately increase investments while being cautious of potential overheating risks [16].