Group 1: Asset Quality Outlook - The company anticipates maintaining a good asset quality level within the industry despite new challenges posed by economic cycles and external conditions [2] - The bank will focus on key areas and adhere to a risk bottom line, implementing a prudent and efficient credit policy [2] - Continuous improvement of credit risk management processes will be supported by financial technology to enhance risk monitoring systems [2] Group 2: Refinance and Internal Growth - The company emphasizes the importance of balancing dividends with internal capital growth to ensure sustainable development [2] - Internal capital is expected to create greater value for the company's development, especially under current refinancing regulatory requirements [2] - The company aims to enhance performance and maintain steady growth in internal capital to provide better returns for shareholders [2] Group 3: Loan Growth Prospects - The company has focused on supporting key sectors such as small and micro enterprises, manufacturing, and consumer spending, leading to steady loan growth [2] - Future loan growth is expected to be supported by ongoing policy benefits aimed at expanding domestic demand and promoting consumption [2] - The bank plans to continue expanding financial service coverage to effectively meet the financing needs of the real economy [2] Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured compliance with disclosure regulations, with no significant undisclosed information leaks reported [2]

Market Overview - On September 18, the major indices in the A-share market experienced a decline, with the ChiNext Index falling by 1.64%, the Shanghai Composite Index down by 1.15%, and the Shenzhen Component Index decreasing by 1.06% [1] - The total trading volume for the day was 3.17 trillion yuan, compared to 2.4 trillion yuan the previous day [1] Stock Performance - The FTSE China A50 Index futures saw a decline of 1.44%, with over 4,300 stocks in the market experiencing a drop [3] - The banking sector faced a significant downturn, with major banks like Agricultural Bank of China and China Construction Bank dropping over 2% and 1% respectively [5] - Conversely, the robotics sector showed strong performance, with stocks like Shoukai Co. hitting the daily limit for 12 consecutive days [3] Banking Sector Insights - The banking sector has seen a continuous decline, with the AH Index and the China Securities Banking Index both dropping over 13% since July 11 [6] - As of September 17, the dividend yield for the banking AH Index rose to 4.6%, indicating a potential opportunity for investors [8][16] - Several banks have reported shareholder increases, with notable actions from major shareholders like Everbright Group and Zijin Trust [10][11] Dividend Distribution - By September 17, 17 listed banks announced a total dividend of 237.54 billion yuan for the mid-year of 2025, with Industrial and Commercial Bank of China leading with a dividend of 50.396 billion yuan [14][15] - The trend of increasing dividends reflects confidence in the banks' future development and long-term investment value [11] Institutional Investment Trends - Insurance funds have increased their holdings in the banking sector, reaching a position of 28.24% as of the second quarter of 2025, while social security funds also raised their holdings to 51.71% [13] - The banking sector's low valuation and stable dividends continue to attract institutional investors, particularly those seeking steady returns [13][17]

作为首都金融生力军，宁波银行北京分行在活动现场设立展位，依托社区场景开展了形式多样的"金融 教育宣传周"活动。通过发放宣传折页、组织趣味知识问答、提供面对面咨询等系列举措，分行将实用 的金融知识送至市民身边，吸引了众多居民驻足参与，成为活动现场一道亮丽的风景线。 秋高气爽，丰收喜悦满京城。2025年9月17日，由北京青年报社、北青传媒等机构联合主办的"丰收邻里 节·消保筑安心——2025北京社区文化节分会场"活动在朝阳区团结湖公园举行。宁波银行北京分行行长 陈辰应邀出席开幕式，并在"高管讲消保"环节以"走出去的主动担当与精准化的温暖服务"为主题，分享 了分行在消费者权益保护方面的实践经验与成果。 折页传情，知识入心。分行工作人员手持精心设计的宣传折页，以漫画图解、案例警示等通俗形式，向 市民普及理性投资、个人信息保护、防范养老诈骗等金融常识。"字大清晰，讲得明白，老年人一看就 懂！"现场一位阿姨称赞道。 当面指导，暖心服务。聚焦老年群体的实际需求，分行安排工作人员提供"一对一"服务，耐心解答养老 金规划、手机银行操作等问题，手把手指导老年人识别诈骗短信、保护银行卡信息。"以前总怕按错 键，今天宁波银行的小同志 ...

截至发稿，郝旭东累计任职时间10年72天，现任基金资产总规模3.11亿元，任职期间最佳基金回报 95.54%， 任职期间最差基金回报-6.12%。 郭纪亭累计任职时间5年360天，现任基金资产总规模1.8亿元，任职期间最佳基金回报32.45%， 任职期 间最差基金回报23.07%。 从基金十大重仓股角度 数据显示，诺德基金旗下1只基金重仓宁波银行。诺德成长优势混合（570005）二季度持有股数11.54万 股，占基金净值比例为2.51%，位居第五大重仓股。根据测算，今日浮亏损失约3.23万元。连续6天下跌 期间浮亏损失26.31万元。 诺德成长优势混合（570005）成立日期2009年9月22日，最新规模1.26亿。今年以来收益24.52%，同类 排名3586/8172；近一年收益45.88%，同类排名3634/7980；成立以来收益284.67%。 诺德成长优势混合（570005）基金经理为郝旭东、郭纪亭。 9月17日，宁波银行跌1.03%，截至发稿，报27.03元/股，成交10.08亿元，换手率0.56%，总市值1784.95 亿元。宁波银行股价已经连续6天下跌，区间累计跌幅7.78%。 资料显示，宁波银 ...

Group 1: Company Growth and Capital Management - The company focuses on long-term growth, balancing dividends with internal capital growth to ensure a solid capital foundation for sustainable development [2] - Internal capital is expected to create greater value for the company's development, with a commitment to enhancing performance and maintaining steady internal capital growth for shareholder returns [2] Group 2: Competitive Advantage Strategies - The company adopts a differentiated business strategy, adapting to changes in the operating environment and continuously building comparative advantages for high-quality development [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and maintaining risk management to ensure stable operations [2] Group 3: Asset Quality Outlook - The company acknowledges new challenges in asset quality management due to economic fluctuations and external conditions, committing to focus on key areas while adhering to risk management principles [3] - The company plans to enhance credit risk management through a digital foundation and maintain a balance between risk control and operational efficiency, expecting asset quality to remain at a favorable level within the industry [3]

宁波银行股份有限公司董事会 2025年9月17日 1 经宁波金融监管局和中国人民银行批准，宁波银行股份有限公 司（以下简称"公司"）于近日在全国银行间债券市场发行了"宁 波银行股份有限公司2025年第一期无固定期限资本债券"（以下简 称"本期债券"）。 本期债券发行规模为人民币100亿元，前5年票面利率为2.30%， 每5年调整一次，在第5年及之后的每个付息日附发行人有条件赎回 权。 本期债券募集资金将依据适用法律和主管部门的批准，用于补 充公司其他一级资本。 特此公告。 证券代码：002142 证券简称：宁波银行 公告编号：2025-031 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 2025 年 第一期无固定期限资本债券发行完毕的公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整， 没有虚假记载、误导性陈述或重大遗漏。 ...

每经AI快讯，银行股午后震荡走弱，宁波银行跌近2%，农业银行、浦发银行、中信银行等跌超1%。 （文章来源：每日经济新闻） ...

银行股午后震荡走弱，宁波银行跌近2%，农业银行、浦发银行、中信银行等跌超1%。 ...

Core Viewpoint - The A-share market experienced a widespread decline in bank stocks, with several banks showing significant drops in their share prices [1] Group 1: Stock Performance - Ningbo Bank's stock fell by 2% [1] - Qingdao Bank, Chongqing Rural Commercial Bank, Changshu Bank, Nanjing Bank, Shanghai Pudong Development Bank, Jiangyin Bank, and CITIC Bank all saw declines of over 1% [1]

Core Insights - Small and micro enterprises are crucial for economic development and innovation, serving as the "capillaries" of the economy and the "source of vitality" for innovation [1] - Ningbo Bank Nanjing Branch focuses on serving small and micro enterprises as part of its mission for inclusive finance, creating a comprehensive financial service system that supports the entire lifecycle of these businesses [1] - By understanding the unique challenges faced by different industries and stages of small enterprises, Ningbo Bank designs financial products that directly address their specific needs [1] Summary by Sections Salary Loan - The "Salary Loan" product addresses the critical need for timely salary payments, which is essential for maintaining team stability in small enterprises [2] - This loan uses the company's salary payment data from the past six months as the basis for credit assessment, offering up to six months' total salary without collateral, with a maximum term of 12 months [2] - A case study of a specialized small enterprise illustrates the effectiveness of the Salary Loan, where an 800 million RMB loan was approved quickly to cover a salary shortfall, thereby stabilizing the workforce [2][3] Trade Financing - The "Trade Financing" product is designed to support import and export enterprises by alleviating cash flow pressures during long inventory and payment cycles [5] - This financing solution offers credit based on the company's export volume over the past year, with a maximum limit of 200,000 USD and a term of up to one year [5] - A case example shows how a chemical trading company successfully secured 10 million RMB in trade financing, enabling it to manage increased order volumes and enhance business growth [5] Technology Empowerment - Ningbo Bank leverages digital finance to address the challenges faced by small enterprises, offering streamlined online products that enhance service efficiency [6] - Products like "Easy Loan" and "Tax Loan" provide quick access to funds, with approval times as short as one minute and ten minutes, respectively [6] - The bank aims to continue developing its "technology + finance + ecosystem" service model to support the growth of small enterprises and contribute to high-quality economic development in Nanjing [6]