证券代码：002142 证券简称：宁波银行 公告编号：2025-022 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年年度股东大会决议公告 本公司及董事会全体成员保证信息披露内容的真实、准确、完整， 没有虚假记载、误导性陈述或重大遗漏。 特别提示： (一) 本次股东大会无否决议案的情况。 (二) 本次股东大会不存在变更前次股东大会决议的情况。 一、 会议召开情况 (一) 召开时间 1、现场会议召开时间：2025 年 5 月 19 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 5 月 19 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 5 月 19 日 9:15-15:00。 (二) 会议地点：宁波泛太平洋大酒店。 (三) 召开方式：采取现场投票与网络投票相结合的方式。 (四) 召集人：宁波银行股份有限公司（以下简称"公司"）董 1 事会。 (五) 主持人：公司董事长陆华裕先生。 (六) ...

行 业 研 究 DONGXING SECURITIES 其他非息拖累盈利，息差下行压力趋缓 ——上市银行25Q1业绩总结 | 分析师 | 林瑾璐 | 联系方式：021-25102905 | 执业证书编号：S1480519070002 | | --- | --- | --- | --- | | 分析师 | 田馨宇 | 联系方式：010-66554013 | 执业证书编号：S1480521070003 | 东兴银行团队 2025年5月16日 东 兴 证 券 股 份 有 限 公 司 证 券 研 究 报 告 摘要 业绩概览：营收净利润增速总体转负，优质城农商行业绩领跑。25Q1上市银行营收、净利润同比分别-1.7%、-1.2%，增速较24A下滑1.8pct、3.5pct。盈利边际走弱， 主要拖累是债市调整带来的其他非息收入增速大幅下滑，以及拨备反哺力度减弱。好的方面是，净息差降幅收窄；资产增速相对稳定；低基数下中收降幅收窄。各类银 行表现分化：城农商行领跑，整体实现正增长，主要得益于规模增速提升，息差降幅收窄，以及中收增速转正。国有行相对偏弱，主要是规模增速放缓、息差降幅偏大， 净利息收入降幅扩大。股份行盈利表现最弱 ...

Group 1 - HSBC Jintrust Fund Management Co., Ltd. has signed an agreement with Ningbo Bank to add Ningbo Bank as a sales agency for certain open-end funds starting from May 19, 2025 [1] - Investors can perform account opening, subscription, redemption, and other services for the specified open-end funds at Ningbo Bank, following the bank's relevant regulations [1] - The specific sales platforms and business rules for each fund will be determined by Ningbo Bank, and promotional activities may be conducted based on market conditions [2] Group 2 - Investors can consult details through HSBC Jintrust's website or customer service, as well as Ningbo Bank's website and customer service [2] - The announcement clarifies that the addition of Ningbo Bank as a sales agency does not guarantee any specific investment returns or minimum yields for the funds [2] - Investors are advised to read the fund contract and prospectus carefully to understand the risk-return characteristics before making investment decisions [2]

Group 1 - The event organized by Longgang Market Supervision Administration and District Development and Reform Bureau focused on financing service needs for key enterprises in various sectors, including advertising and quality inspection [1][3] - Ningbo Bank Shenzhen Longgang Branch introduced financial products tailored to the "five major service industries," highlighting flexible loan amounts, favorable interest rates, and efficient approval processes [3] - The signing ceremony marked successful agreements between Ningbo Bank and enterprises, indicating a solid step in cooperation to address financing challenges and support business expansion [6] Group 2 - The interactive Q&A session allowed enterprise representatives to raise financing-related questions, which were addressed by Ningbo Bank's team, showcasing their expertise and commitment to service [5] - The event is part of a broader initiative to enhance financial services for the real economy, with plans for continued collaboration with key enterprises in Longgang District [6]

Group 1 - The core viewpoint of the articles highlights the successful issuance of the first batch of technology innovation bonds in China, specifically the "Beijing E-Town International Investment Development Co., Ltd. 2025 Annual First Phase Technology Innovation Bond" with an issuance amount of 500 million yuan and a term of 5 years [1][2] - The bond issuance was part of a national strategy to support financing needs in the technology innovation sector, responding to a recent announcement by the People's Bank of China and the China Securities Regulatory Commission [1] - The bond's interest rate was set at 1.94%, marking the lowest rate for bonds of the same term issued by E-Town International Investment Development Co., Ltd., effectively reducing financing costs [2] Group 2 - The issuance of technology innovation bonds is seen as a practical implementation of commercial banks empowering technology innovation, aligning with national policy initiatives [2] - Ningbo Bank's Beijing branch plans to continue focusing on technology finance, utilizing innovative financial tools like technology innovation bonds to enhance financial support for technology-oriented enterprises [2]

Core Viewpoint - Ningbo Bank Shanghai Branch has been committed to serving the local economy and supporting innovation and small enterprises over the past 18 years, aligning its strategies with the development of Shanghai as an international financial center [1][12]. Group 1: Support for Technology and Innovation - The bank has established a Technology Innovation Approval Center and a team of 100 experts to provide comprehensive financial support for technology enterprises throughout their lifecycle, issuing loans totaling 46.1 billion yuan to 1,140 tech companies in 2024 [2]. - The "Technology Loan" and "Talent Loan" products assist startups, while "Growth Loan" and "Partner Loan" support growing companies, and mature firms receive acquisition loans and bond underwriting services [2]. Group 2: Inclusive Finance for Small and Micro Enterprises - The bank has developed various financial products like "Fast Approval Fast Loan" and "No Principal Renewal Loan" to address the urgent financing needs of small and micro enterprises, providing over 20 billion yuan in inclusive loans in 2024 [5]. - The implementation of a no-principal renewal loan policy has helped 418 enterprises save over 100 million yuan in financing costs, ensuring the stability of their cash flow [5]. Group 3: Digital Transformation and Future Banking - The bank is advancing its digital transformation by offering integrated financial services through platforms like "Treasury Manager" and "Foreign Exchange Manager," serving over 1,000 corporate clients with an annual transaction volume exceeding 15 trillion yuan [7]. - The "Beautiful Life" service platform has distributed over 290,000 coupons to 380,000 residents, integrating financial services into daily life [7]. Group 4: Commitment to Social Responsibility - The bank actively supports the development of the Yangtze River Delta and the Shanghai Free Trade Zone, providing cross-border financing exceeding 1.1 billion USD to 263 enterprises in 2024 [8]. - It focuses on serving private enterprises by offering tailored financial services to meet their diverse needs [8]. Group 5: Future Outlook - The bank aims to enhance its professional, digital, platform, and international strategies, positioning itself as a financial partner that helps clients find and save money while supporting employees' well-being [11][12]. - As it celebrates its 18th anniversary, the bank is poised to leverage opportunities in Shanghai's financial landscape, continuing its commitment to innovation and practical service [11][12].

Group 1 - The Ministry of Natural Resources will hold a press conference on May 16 to discuss the role of land spatial planning in promoting high-quality urban development [2] - The 2025 Data Security Development Conference will take place from May 16 to 18 in Zhejiang, focusing on marketization of data elements and data security driven by AI [3] - A total of 12 companies will have their restricted shares unlocked today, with a total unlock volume of 116 million shares, amounting to a market value of 2.325 billion yuan [4] Group 2 - 34 companies have disclosed their stock repurchase progress, with 4 companies announcing new repurchase plans and 17 companies having their plans approved by shareholders [5] - The People's Bank of China will have 77 billion yuan of 7-day reverse repos maturing today, with an operation rate of 1.4% [5] - Upcoming data releases include the annualized new housing starts in the US for April and the seasonally adjusted trade balance for the Eurozone for March [6]

Group 1 - The core viewpoint of the articles highlights the strong performance of the banking sector, with significant increases in stock prices and market capitalization, indicating a bullish trend in the industry [1][2] - The bank ETF Tianhong (515290) has shown a continuous upward trend, with a 1.05% increase and a potential for a sixth consecutive day of gains, reflecting investor confidence in the banking sector [1] - The total market capitalization of the banking sector reached a historical high of 99,746 billion yuan, with major banks like Industrial and Commercial Bank of China and Agricultural Bank of China leading in market value [1] Group 2 - According to Zhongtai Securities, the performance of listed banks is expected to remain stable throughout the year, with easing pressure on interest margins and manageable income pressures [2] - Dongfang Securities notes that recent public fund reforms and supportive fiscal policies are likely to enhance bank performance and provide a favorable environment for credit growth, benefiting the banking sector [2] - The banking sector is anticipated to see improvements in asset quality by 2025, supported by government policies and a reduction in risks associated with real estate and local investments [2]

从ChatGPT到DeepSeek，近年来，AI大模型的相继问世，正在影响着商业银行的数字化发展策略。 《金融时报》记者梳理上市银行年报时发现，2024年，在国有大行金融科技发展"放慢脚步"的同时，中 小银行却未曾停下数字化转型的步伐。 "长期以来，因为资金和专业技术人才受限等，中小商业银行在金融科技领域相对处于劣势地位。"在中 国邮政储蓄银行研究员娄飞鹏看来，将DeepSeek等开源大模型低成本接入内部自研模型平台，利用大 模型和AI提升科技能力，为中小银行缩小与大型商业银行的技术差距提供了可能。 值得关注的是，在数字化的驱动之下，中小银行正在积极推动"AI+金融"场景落地和生态建设，各种智 能化应用逐步替代了人工重复劳动、打破了服务半径，一系列生产力的变革正在重构中小银行的效率与 价值。 中小银行加速"招兵买马" 日前，由中小银行互联网金融(深圳)联盟等机构联合发布的《中小银行数字金融发展研究报告(2024)》 显示，与2023年相比，中小银行2024年金融科技投入规模稳步增长，越来越多的中小银行将核心技术研 发及新技术金融应用纳入规划，并进行相关产品研发。 据霍学文透露，目前，该行已完成DeepSeek ...

宁波银行股份有限公司关于 证券代码：002142 证券简称：宁波银行 公告编号：2025-021 优先股代码：140001、140007 优先股简称：宁行优01、宁行优02 部分非公开发行限售股上市流通的提示性公告 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。 特别提示： 1、本次非公开发行限售股上市流通数量为 75,819,056 股，占 公司总股本的 1.15%。 2、本次限售股份上市流通日为 2025 年 5 月 16 日。 一、本次解除限售股份的基本情况 经中国证券监督管理委员会《关于核准宁波银行股份有限公司 非公开发行股票的批复》（证监许可[2019]2555 号）核准，宁波银 行股份有限公司（以下简称"公司"）于 2020 年 4 月非公开发行人 民币普通股（A 股）379,686,758 股，股份于 2020 年 5 月 15 日在 深圳证券交易所上市。 新加坡华侨银行股份有限公司作为本次非公开发行的发行对 象，认购 75,819,056 股，限售期为 5 年。 二、本次申请解除股份限售的股东履行承诺情况 1 本次申请解除股份限售的股东新加坡 ...