宁波银行分析师会议-20250923

Report Summary 1. Reported Industry Investment Rating No information provided. 2. Core Viewpoints of the Report - The company adheres to a differentiated business strategy, adapts to the changing business environment, and accumulates comparative advantages to drive high - quality development [23]. - The company focuses on the relationship between dividends and internal capital growth, and internal capital will create greater value for the company's development [24]. - The company will actively respond to the changing business environment, focus on key areas, and maintain its asset quality at a relatively good level in the industry [24][25]. 3. Summary by Relevant Catalogs 3.1. Research Basic Situation - Research object: Ningbo Bank [16] - Industry: Banking [16] - Reception time: September 23, 2025 [16] - Listed company reception personnel: The company's investor relations team [16] 3.2. Detailed Research Institutions | Detailed Research Institutions | Reception Object Type | Institution - Related Personnel | | --- | --- | --- | | Marshall Wace LLP | Others | Isabella Huang | | Aberdeen Asset Management PLC | Asset management company | Alec Jin | | Public Sector Pension Investment Board | Investment company | Grace Li | | Millennium Capital Management (Hong Kong) Limited | Asset management company | Sharon Li | | Millennium Capital Management Ltd. | Others | Jerry Lou | | Morgan Stanley Investment Management Inc | Asset management company | Jerry Peng | | Robeco Institutional Asset Management B.V. | Fund management company | Angela Qin | | North Rock Capital Management, LLC | Others | Hu Shen | [17] 3.3. Research Institution Proportion No information provided. 3.4. Main Content Data - Advantages in industry competition: The company adheres to a differentiated business strategy, deepens the main business line, strengthens professional operation, accelerates technological transformation, and guards the risk bottom - line [23]. - Refinancing and internal growth: The company coordinates the relationship between dividends and internal capital growth. Given the current regulatory requirements for refinancing, internal capital will create greater value for the company [24]. - Outlook on future asset quality: The company will actively respond to the changing business environment, focus on key areas, and use the "Four - modernization and Five - assistance" service system and improve the full - process credit risk management. The asset quality is expected to remain at a relatively good level in the industry [24][25]