宁波银行股份有限公司 截至2025年6月30日止六个月期间 中期财务报表（未经审计） 目 录 | 财务报表 | | | | | --- | --- | --- | --- | | 合并资产负债表 | 1 | 2 | – | | 合并利润表 | 3 | 4 | – | | 合并股东权益变动表 | 5 | 6 | – | | 合并现金流量表 | 7 | 8 | – | | 公司资产负债表 | 9 | 10 | – | | 公司利润表 | | | 11 | | 公司股东权益变动表 | 12 | 13 | – | | 公司现金流量表 | 14 | 15 | – | | 财务报表附注 | 16 | 151 | – | | 补充资料 | | | --- | --- | | 一、非经常性损益明细表 | 152 | | 二、净资产收益率和每股收益 | 152 | 页 次 宁波银行股份有限公司 合并资产负债表 2025 年 6 月 30 日 人民币百万元 | 资产 | 附注五 | 2025 年 6 月 30 日 | 2024 年 12 月 31 日 | | --- | --- | --- | --- | | 现金及存放中央银行 ...

证券代码：002142 证券简称：宁波银行 公告编号：2025-028 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 第八届监事会第十次会议决议公告 本公司及监事会全体成员保证信息披露内容的真实、准确和完整， 没有虚假记载、误导性陈述或者重大遗漏。 宁波银行股份有限公司（以下简称"公司"）于 2025 年 8 月 18 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 会第十次会议的通知，会议于 2025 年 8 月 28 日在宁波银行总行大 厦召开。公司应出席监事 7 人，亲自出席监事 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 2025 年半年度报告 及摘要》。 本议案同意票 7 票，反对票 0 票，弃权票 0 票。 经审核，监事会认为公司编制《宁波银行股份有限公司 2025 年半年度报告》的程序符合法律、行政法规和中国证监会的规定， 报告内容真实、准确、完整地反映了公司的实际情况，不存在任何 虚假记载、误导性陈述或者重大遗漏。 二、审议通过了《宁波银行 ...

Core Viewpoint - Ningbo Bank (002142.SZ) reported a revenue of 37.16 billion yuan, representing a year-on-year growth of 7.91% and a net profit attributable to shareholders of 14.772 billion yuan, with a year-on-year increase of 8.23% [1] Financial Performance - The company achieved an operating income of 37.16 billion yuan, which is a 7.91% increase compared to the previous year [1] - The net profit attributable to shareholders reached 14.772 billion yuan, reflecting an 8.23% year-on-year growth [1] Dividend Distribution - During the reporting period, the company distributed cash dividends to ordinary shareholders at a rate of 3 yuan per 10 shares (including tax) [1]

证券代码：002142 证券简称：宁波银行 公告编号：2025-027 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 二、审议通过了《宁波银行股份有限公司 2025 年半年度报告 及摘要》。 本议案同意票 14 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 2025 年上半年内部 1 审计情况及下半年内部审计计划》。 第八届董事会第十一次会议决议公告 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。 宁波银行股份有限公司（以下简称"公司"）于 2025 年 8 月 16 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 会第十一次会议的通知，会议于 2025 年 8 月 27 日在宁波钱湖宾馆 召开。公司应出席董事 14 名，亲自出席董事 14 名，其中庄灵君 董事以电话形式接入会议。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、审议通过了《宁波银行股份有限公司 2025 年上半年经营 情况及下半年工 ...

证券代码：002142 证券简称：宁波银行 公告编号：2025-030 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 2025年中期利润分配预案公告 2025年8月27日，宁波银行股份有限公司（以下简称"公司"） 第八届董事会第十一次会议审议通过了《宁波银行股份有限公司 2025年中期利润分配预案》。本议案需提交公司股东大会审议。 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。 一、利润分配预案的基本情况 2025年上半年，公司归属于母公司股东净利润为147.72亿元。 经公司董事会审议，公司2025年中期利润分配预案如下：以总股本 6,603,590,792股为基数，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），总 额共计19.81亿元，占归属于母公司股东净利润的比例为13.41%。 在实施本次利润分配方案的股权登记日前，若公司总股本发生 变动，将另行公告利润分配预案调整情况。 二、现金分红方案合理性说明 公司2025年中期利润分配预案充分考虑了公司所处发 ...

Financial Performance - The company's operating income for the first half of 2025 reached RMB 37,160 million, an increase of 7.91% compared to RMB 34,437 million in the same period of 2024[18]. - Net profit for the first half of 2025 was RMB 14,838 million, reflecting an 8.37% increase from RMB 13,692 million in the first half of 2024[18]. - Basic earnings per share for the first half of 2025 were RMB 2.24, an increase of 8.21% from RMB 2.07 in the same period of 2024[19]. - The net profit attributable to the parent company's shareholders for the first half of 2025 was RMB 14,772 million, reflecting an 8.23% year-on-year growth[30]. - The total revenue for the first half of 2025 reached RMB 15,239.17 million, representing a 8.71% increase compared to RMB 14,013.63 million in the same period last year[114]. Assets and Liabilities - Total assets as of June 30, 2025, amounted to RMB 3,470,332 million, representing an 11.04% increase from RMB 3,125,232 million at the end of 2024[20]. - As of June 30, 2025, the total liabilities of the company reached RMB 3,224.37 billion, an increase of RMB 333.40 billion or 11.53% compared to the beginning of the year[83]. - The total assets of the subsidiary 永赢金租 were RMB 147,741 million, with a net asset value of RMB 17,596 million, indicating strong financial health[121]. Customer Loans and Deposits - Customer loans and advances reached RMB 1,673,213 million, a growth of 13.36% from RMB 1,476,063 million at the end of 2024[20]. - Customer deposits totaled RMB 2,076,414 million, up 13.07% from RMB 1,836,345 million at the end of 2024[20]. - The total loans and advances reached RMB 16,732.13 billion, marking a 13.36% increase since the beginning of the year[26]. - Corporate loans increased to RMB 9,982.04 billion, up RMB 1,755.76 billion or 21.34% from the start of the year[64]. Interest Income and Expenses - The company reported a net interest income of RMB 25,726 million, an increase of 11.11% year-on-year[34]. - In the first half of 2025, the company achieved interest income of RMB 52.346 billion, an increase of RMB 2.304 billion or 4.60% year-on-year, primarily due to the expansion and optimization of interest-earning assets[41]. - Total interest expenses for the first half of 2025 were RMB 26.620 billion, a decrease of RMB 0.268 billion or 1.00% year-on-year, mainly due to the decline in liability rates[46]. Risk Management - The company emphasized the importance of risk management, implementing a comprehensive risk management system to mitigate various risks[124]. - The company effectively controlled market risks and optimized trading strategies, maintaining a stable trading style amid fluctuations in the USD index and domestic economic conditions[119]. - The company has established a market risk management system that aligns with its business nature and risk characteristics, focusing on interest rate and exchange rate risks[135]. Capital and Liquidity - The capital adequacy ratio stood at 15.21%, well above the regulatory requirement of 10.75%[24]. - The company's liquidity ratio is 83.94%, exceeding the regulatory requirement of 25%[131]. - The liquidity coverage ratio stands at 131.60%, well above the regulatory minimum of 100%, with high-quality liquid assets amounting to CNY 499.40 billion[132]. Dividend and Shareholder Returns - The company plans to distribute a cash dividend of RMB 3 per 10 shares to shareholders, pending approval at the shareholders' meeting[5]. - The company's retained earnings reached RMB 112.985 billion, an increase of RMB 10.254 billion or 10% compared to the beginning of the year[89]. Social Responsibility and Community Engagement - The company donated a total of CNY 49 million to various charitable organizations, demonstrating its commitment to social responsibility[197]. - The company organized 743 financial education activities, reaching over 5 million participants and distributing more than 130,000 promotional materials[198]. Green Finance Initiatives - By the end of June 2025, the company's green loan balance reached CNY 68.814 billion, an increase of CNY 18.270 billion from the beginning of the year[192]. - The company issued 5 green bonds in the first half of 2025, with a total issuance amount of CNY 7 billion[192]. - The company is focusing on supporting low-carbon transformation and enhancing green financial services[191].

Market Performance - The city commercial bank sector increased by 1.22% on August 28, with Chengdu Bank leading the gains [1] - The Shanghai Composite Index closed at 3843.6, up 1.14%, while the Shenzhen Component Index closed at 12571.37, up 2.25% [1] Individual Bank Performance - Chengdu Bank's closing price was 18.54, with a rise of 2.77% and a trading volume of 674,500 shares, amounting to a transaction value of 1.241 billion yuan [1] - Nanjing Bank closed at 11.28, up 1.99%, with a trading volume of 653,800 shares and a transaction value of 735 million yuan [1] - Jiangsu Bank closed at 11.02, up 1.94%, with a trading volume of 2.122 million shares and a transaction value of 2.324 billion yuan [1] - Other notable banks include Hangzhou Bank (closing price 16.08, up 1.39%), Ningbo Bank (closing price 28.29, up 1.11%), and Suzhou Bank (closing price 8.32, up 1.09%) [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 470 million yuan from main funds, while retail funds experienced a net outflow of 383 million yuan [2] - The individual stock capital flow indicates that Jiangsu Bank had a net inflow of 111 million yuan from main funds, while it faced a net outflow of 10.2 million yuan from retail funds [3] - Hangzhou Bank also reported a net inflow of 108 million yuan from main funds, with a net outflow of 81.36 million yuan from retail funds [3]

Core Viewpoint - Ningbo Bank (002142) announced that individuals disputing the authenticity of confiscated currency can apply for authentication through designated institutions as per the People's Bank of China requirements [1] Group 1 - Ningbo Bank has published information regarding institutions authorized to authenticate the authenticity of currency [1] - The announcement allows individuals with counterfeit currency receipts to directly apply for authentication [1]

Fund Overview - The fund is named "Guotai Zhongzheng Hong Kong Stock Connect Automotive Industry Theme Exchange-Traded Open-Ended Index Securities Investment Fund" [15] - It is classified as an equity fund and operates as an exchange-traded fund (ETF) [16][15] - The fund's investment objective is to closely track the benchmark index while minimizing tracking deviation and error [19] Fund Offering Details - The fund will be available for subscription from September 3, 2025, to September 12, 2025 [2][23] - Investors can choose between online cash subscription and offline cash subscription methods [36] - The minimum subscription amount is 1,000 shares or its multiples, with a maximum limit of 99,999,000 shares for online subscriptions [28][4] Subscription Process - Investors must have a Shanghai Stock Exchange A-share account or a securities investment fund account to subscribe [39] - The subscription process includes submitting a subscription application and ensuring sufficient funds are available [29][4] - The fund management may adjust the subscription period based on demand, but it cannot exceed the legal subscription period [2][7] Fund Management and Custody - The fund is managed by Guotai Fund Management Co., Ltd., and the custodian is Ningbo Bank Co., Ltd. [57][58] - The fund's assets will be managed in accordance with the principles of diligence, honesty, and prudence [14] Regulatory Compliance - The fund's registration has been approved by the China Securities Regulatory Commission (CSRC) [1] - The fund must meet specific conditions, including a minimum of 200 investors and a total subscription amount of at least 200 million RMB, to become effective [55][24] Investor Information - Investors can contact the fund management company for inquiries regarding the subscription process [16] - Detailed information about the fund can be found in the prospectus available on the company's website [5]

Market Overview - On August 27, the city commercial bank sector fell by 1.48%, with Guiyang Bank leading the decline [1] - The Shanghai Composite Index closed at 3800.35, down 1.76%, while the Shenzhen Component Index closed at 12295.07, down 1.43% [1] Individual Stock Performance - Chengdu Bank closed at 18.04, up 1.01% with a trading volume of 527,700 shares and a transaction value of 958 million [1] - Guiyang Bank closed at 6.16, down 2.53% with a trading volume of 713,000 shares and a transaction value of 44.5 million [2] - Beijing Bank closed at 6.08, down 2.41% with a trading volume of 2,160,300 shares and a transaction value of 1.329 billion [2] - Jiangsu Bank had a closing price of 10.81, down 1.91% with a trading volume of 1,934,200 shares and a transaction value of 2.11 billion [2] Capital Flow Analysis - The city commercial bank sector experienced a net outflow of 911 million from institutional investors, while retail investors saw a net inflow of 502 million [2] - The table of capital flow indicates that Chongqing Bank had a net outflow of 36.1 million from institutional investors, while Chengdu Bank had a net inflow of 9.59 million [3] - The overall trend shows that institutional investors are withdrawing funds while retail investors are increasing their positions in certain banks [2][3]