宁波银行(002142) - 2024 Q2 - 季度财报

Financial Performance - The operating income for the first half of 2024 reached RMB 34,437 million, an increase of 7.13% compared to RMB 32,144 million in the same period of 2023[9]. - The net profit for the first half of 2024 was RMB 13,692 million, reflecting a growth of 5.42% from RMB 12,988 million in the first half of 2023[9]. - The basic earnings per share for the first half of 2024 were RMB 2.07, a rise of 5.61% from RMB 1.96 in the same period of 2023[10]. - The net profit attributable to shareholders of the parent company was CNY 13.65 billion, representing a year-on-year growth of 5.42%[15]. - The total comprehensive income for the first half of 2024 reached RMB 17,618 million, an increase from RMB 15,077 million in the same period of 2023, representing a growth of 16.8%[191]. - The net profit for the first half of 2024 reached RMB 11,709 million, an increase of 3.1% compared to RMB 11,353 million in the same period of 2023[200]. Assets and Liabilities - The total assets as of June 30, 2024, amounted to RMB 3,033,744 million, representing an increase of 11.88% from RMB 2,711,662 million at the end of 2023[11]. - Total liabilities increased to RMB 2,813,916 million, up 12.13% from RMB 2,509,452 million at the end of 2023[11]. - The company's equity totaled RMB 219.83 billion as of June 30, 2024, representing an increase of RMB 17.62 billion or 8.71% since the beginning of the year[64]. - The total liabilities of the bank increased to RMB 1,000,000 million by the end of June 2024, compared to RMB 850,000 million at the end of June 2023, indicating a growth of 17.6%[194]. Customer Loans and Deposits - Customer loans and advances reached RMB 1,409,328 million, up 12.50% from RMB 1,252,718 million at the end of 2023[11]. - Customer deposits amounted to RMB 1,842,401 million, reflecting a growth of 17.63% from RMB 1,566,298 million at the end of 2023[11]. - The total loan amount reached RMB 1,409.33 billion, reflecting a growth of 12.50% since the beginning of the year, with a non-performing loan ratio of 0.76%[74]. - The total amount of personal loans reached RMB 523,148 million, representing 37.12% of the total loan portfolio[76]. Interest Income and Expenses - Net interest income for the first half of 2024 was RMB 23,154 million, up RMB 2,976 million or 14.75% compared to the same period last year[21]. - Total interest income reached RMB 50,042 million, reflecting a year-on-year growth of RMB 6,391 million or 14.64%[26]. - The company reported a total of RMB 26,888 million in interest expenses, which increased by RMB 3,415 million or 14.55% year-on-year[21]. - Customer deposit interest expenses were RMB 16.686 billion, accounting for 62.06% of total interest expenses, up RMB 2.444 billion or 17.16% year-on-year, due to increased deposit scale and interest rates[32]. Risk Management - The bank's non-performing loan ratio remained stable, indicating effective risk management strategies[190]. - The company has implemented a comprehensive risk management system, enhancing digital and intelligent risk management capabilities to support high-quality development[92]. - The company has optimized its credit risk management process, maintaining asset quality at a good level through differentiated credit structures and proactive risk project management[93]. - The company has strengthened liquidity risk management by dynamically adjusting strategies in response to macroeconomic conditions and ensuring liquidity safety[96]. Digital Transformation and Technology - The company continues to focus on digital transformation and financial technology to enhance its service capabilities and operational efficiency[17]. - The company has developed a comprehensive digital financial service platform, enhancing customer experience and operational efficiency[155]. - The company is committed to leveraging financial technology to better meet customer needs and enhance service delivery[135]. Social Responsibility and Environmental Initiatives - The company emphasizes its commitment to social responsibility, focusing on "technology finance, green finance, inclusive finance, pension finance, and digital finance" to serve the real economy[149]. - The company has a structured organizational framework, including departments for risk management, financial technology, and consumer rights protection[146]. - The company has implemented a three-tier green finance industry cooperation plan, focusing on energy conservation and environmental protection[151]. Capital Management - The company expects to maintain a reasonable capital adequacy ratio while promoting high-quality business growth, in line with the new capital management regulations implemented in 2024[138]. - The core Tier 1 capital adequacy ratio was 9.61% as of June 30, 2024, compared to 9.05% at the end of 2023[115]. - The total capital adequacy ratio was 15.28% as of June 30, 2024, up from 15.11% at the end of 2023[115]. Shareholder Information - The total number of ordinary shareholders at the end of the reporting period was 137,917, with 10 major shareholders holding more than 5% of the shares[175]. - Ningbo Development Investment Group Co., Ltd. holds 18.74% of the shares, totaling 1,237,489,845 ordinary shares[175]. - The company has no controlling shareholder or actual controller as of the report date[178].