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 ...

Group 1: Competitive Advantage - The bank adopts a differentiated business strategy to adapt to changes in the operating environment, continuously accumulating comparative advantages for high-quality development [2] - Key focus areas include deepening the main business line, strengthening professional operations, accelerating technological transformation, and maintaining risk management to ensure stable operations [2] Group 2: Services for Small and Micro Enterprises - The bank continuously explores new comprehensive operating models for small and micro customers, innovating financial products to meet their needs [2] Group 3: Dividend Outlook - Stable dividends are considered an important part of shareholder returns, with the company committed to creating good returns for shareholders [2] - The profit distribution plan for the new year is still under planning, with a focus on formulating a more proactive and reasonable dividend scheme to enhance investor satisfaction [2] Group 4: Compliance and Communication - During the reception, the company engaged in thorough communication with investors, adhering strictly to relevant regulations without disclosing any undisclosed significant information [2]

Group 1: Risk Management - The bank adheres to the philosophy that "operating a bank means managing risks," continuously improving a comprehensive risk management system that involves all employees and processes [2] - Unified credit policies are implemented at the business entry level, with ongoing industry research for risk identification and independent credit approval for business transactions [2] Group 2: Net Interest Margin Outlook - The company places high importance on net interest margin management, aiming to stabilize it through optimizing the asset-liability structure and increasing the proportion of demand deposits [2] - Current observations indicate that the net interest margin has shown signs of stabilization [2] Group 3: Dividend Outlook - Stable dividends are considered a crucial component of shareholder returns, with the company committed to creating good returns for shareholders [2] - The profit distribution plan for the new year is still under consideration, with a focus on developing a more proactive and reasonable dividend scheme to enhance investor satisfaction [2] Group 4: Investor Communication - During the reception, the company's representatives engaged in thorough communication with investors, strictly adhering to relevant regulations without disclosing any undisclosed significant information [2]

Group 1: Dividend Outlook - The bank emphasizes stable dividends as a crucial component of shareholder returns, with plans for a more proactive and reasonable dividend scheme in 2025 [2] - The profit distribution plan for the new year is still under consideration, reflecting the bank's commitment to enhancing shareholder value [2] Group 2: Performance in Early 2025 - As of the end of January, the bank reported strong growth in both deposits and loans, with new loan issuance exceeding the same period last year, achieving record highs for both deposit and loan balances [2] - The bank continues to adapt to changing operating environments while focusing on improving service quality to the real economy, particularly in new productive capacities [2] Group 3: Net Interest Margin Outlook - The bank is focused on managing its net interest margin through optimizing its asset-liability structure and increasing the proportion of demand deposits, with current trends indicating stabilization of the net interest margin [2]

证券代码：002142 证券简称：宁波银行 公告编号：2025-007 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（以下简称"公司"）于 2025 年 2 月 11 日以电子邮件及书面方式向全体监事发出关于召开第八届监事 会第八次会议的通知，会议于 2025 年 2 月 21 日在宁波银行总行大 厦召开。会议应参加表决监事 7 人，实际参加表决监事 7 人。会议 的召开符合《公司法》《公司章程》等规定。会议由罗孟波监事长 主持，审议通过了以下议案： 一、审议通过了《宁波银行股份有限公司 2024 年度关联交易 管理评估报告》。 本议案同意票 6 票，反对票 0 票，弃权票 0 票。周士捷监事回 避表决。 二、审议通过了《关于发行金融债券的议案》。 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 三、审议通过了《宁波银行股份有限公司 2024 年普惠金融工 作总结及 2025 年工作计划》。 1 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 宁波银行股份有限公司 第八届监事会第八次会议决议公告 本公司及监事会全体成员保证信息披露内容的真实、 ...

第八届董事会第九次会议决议公告 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、误导性陈述或者重大遗漏。 证券代码：002142 证券简称：宁波银行 公告编号：2025-006 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 三、 审议通过了《宁波银行股份有限公司 2024 年消费者权益 保护工作总结及 2025 年工作计划》。 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 四、 审议通过了《关于修订<宁波银行反洗钱和反恐怖融资管 1 理办法>的议案》。 本议案同意票 14 票，反对票 0 票，弃权票 0 票。 特此公告。 宁波银行股份有限公司（以下简称"公司"）于 2025 年 2 月 10 日以电子邮件及书面方式向全体董事发出关于召开第八届董事 会第九次会议的通知，会议于 2025 年 2 月 20 日召开。公司应出席 董事 14 名，亲自出席董事 14 名，全体董事以电话接入方式出席会 议。公司部分监事列席会议。会议的召开符合《公司法》《公司章 程》等规定。会议由陆华裕董事长主持，审议通过了以下议案： 一、 审议通过 ...

Group 1: Investor Relations Activity - The activity involved a specific audience survey with analysts present [2] - Participants included company executives and representatives from E Fund Management [2] - The event took place on February 21, 2025, at the company headquarters [2] Group 2: Service to Small and Micro Enterprises - The bank is exploring new comprehensive operating models for small and micro clients [2] - Continuous innovation in financial products is aimed at meeting the needs of small and micro enterprises [2] Group 3: Risk Management Measures - The bank adheres to the philosophy that "operating a bank is managing risks" [2] - A comprehensive risk management system is in place, covering all processes and personnel [2] - Unified credit policies are implemented at the business entry level [2] Group 4: Loan Allocation Focus - Loan distribution primarily targets advanced manufacturing, private small and micro enterprises, and import-export businesses [2] - The bank aims to provide comprehensive financial services to a wide range of real economy clients [2] Group 5: Disclosure Compliance - The reception process involved thorough communication with investors, adhering to disclosure regulations [2] - No significant undisclosed information was leaked during the event [2]

Group 1: Competitive Advantage - The bank adopts a differentiated business strategy to adapt to changes in the operating environment and accumulate comparative advantages for high-quality development [2] - Key strategies include deepening the main business line, strengthening professional operations, accelerating technological transformation, and maintaining a risk management baseline [2] Group 2: Risk Management - The bank adheres to the philosophy that "operating a bank is managing risks" and continuously improves a comprehensive risk management system [2] - Measures include implementing a unified credit policy at the business entry level, conducting ongoing industry research for risk identification, and independent credit approval during business assessment [2] Group 3: Services for Small and Micro Enterprises - The bank explores new comprehensive operating models for small and micro customers and continuously innovates financial products to meet their needs [2] - It aims to provide more professional and comprehensive financial services to small and micro enterprises [2] Group 4: Disclosure Compliance - During the reception, the bank's personnel engaged in thorough communication with investors, strictly adhering to disclosure regulations without leaking any undisclosed significant information [2]

Group 1: Loan Allocation - The bank focuses its loan allocation on advanced manufacturing, private small and micro enterprises, and import-export businesses to meet the financial service needs of clients in its operational area [2]. Group 2: Risk Management - The bank adheres to a risk management philosophy that emphasizes "operating a bank is managing risk," continuously improving a comprehensive risk management system that includes unified credit policies, ongoing industry research, and independent credit approval processes [2]. Group 3: Services for Small and Micro Clients - The bank is committed to exploring new comprehensive operating models for small and micro clients, continuously innovating financial products to meet their needs and provide more professional financial services [2]. Group 4: Investor Relations Activity - The investor relations activity involved thorough communication between the company's reception team and investors, ensuring compliance with disclosure regulations and preventing the leakage of any undisclosed significant information [2].

Summary of Conference Call Company and Industry - The conference call primarily discusses **Ningbo Bank**, a significant player in the Chinese banking sector, recognized as a systemically important bank in China and ranked 80th globally among banks. The bank has maintained a non-performing loan ratio below 1% for 17 consecutive years [1][2]. Core Points and Arguments 1. **Macroeconomic Outlook**: The discussion highlights a more optimistic view of the Chinese economy since September 2022, driven by policy adjustments and the emergence of artificial intelligence (AI) technologies like DeepSeek [2][3][4]. 2. **Investment Opportunities**: The call emphasizes the potential for investment in AI and related sectors, suggesting that the current environment presents significant opportunities for mature investors and institutions to capitalize on asset revaluation [4][10]. 3. **Economic Growth Targets**: The anticipated growth target for 2025 is projected to be around 5%, which is seen as a critical threshold for achieving long-term economic goals [10][11][15]. 4. **International Environment**: The external environment for China is expected to improve compared to the previous four years, despite ongoing trade tensions with the U.S. [7][8]. 5. **Resilience of Chinese Economy**: The resilience of the Chinese economy is highlighted, with exports increasing as a share of global exports since 2018, showcasing the adaptability of Chinese enterprises [7][8]. 6. **Impact of AI**: The rapid development of AI is viewed as a transformative force across industries, necessitating swift adaptation by companies to avoid obsolescence [9][10][20]. 7. **Long-term Structural Reforms**: The need for structural reforms in response to demographic challenges and technological advancements is emphasized, with a focus on maintaining growth rates and addressing population issues [14][30][31]. 8. **Debt and Fiscal Policy**: The discussion touches on the importance of managing local government debt and the potential for further fiscal policy adjustments to stimulate demand [12][32]. 9. **Global Asset Revaluation**: The emergence of AI technologies is seen as a catalyst for re-evaluating global assets, particularly in the context of Chinese and Hong Kong markets [24][38][42]. 10. **Market Dynamics**: The call notes that the current market dynamics are influenced more by technological advancements than by traditional economic fundamentals, indicating a shift in investment strategies [44][46]. Other Important but Possibly Overlooked Content 1. **Cultural and Social Changes**: The call reflects on societal shifts, including changing attitudes towards marriage and family, which may impact economic growth and labor supply in the long term [34][30]. 2. **Globalization Trends**: The discussion includes insights on how globalization is evolving, with Chinese companies increasingly influencing overseas markets despite restrictions from developed countries [58][59]. 3. **Investment Strategy Recommendations**: There is a call for investors to focus on technology-driven sectors and to be proactive in identifying potential high-growth companies within the AI landscape [39][40][41]. This summary encapsulates the key insights and discussions from the conference call, providing a comprehensive overview of the current state and future outlook of Ningbo Bank and the broader economic environment.