| 活动过程中所使 | | | --- | --- | | 用的演示文稿、提 | | | 供的文档等附件 | 无 | | （如有，可作为附 | | | 件） | | 编号:2025-39 | 投资者关系活动 | 特定对象调研 □分析师会议 | | --- | --- | | 类别 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | | □现场参观 □其他： | | | 公司投关团队； | | 活动参与人员 | 平安资管 王可、富国基金 徐健荣、华泰柏瑞基金 刘芷冰、华安基金 郭昶 | | | 皓 | | 时间 | 年 月 日上午 2025 12 9 | | 地点 | 公司总部大厦 | | 形式 | 现场会议 | | | 1、请问公司对未来资产质量的展望？ | | | 答：面对经济周期起伏和国内外局势变化，银行资产质量管控面临新形势、 | | | 新挑战。公司将积极应对经营环境变化，聚焦重点领域，坚守风险底线。一 | | | 方面，依托行内特色的"四化五帮"服务体系，精准助力经济重点领域，努 | | | 力做好"五篇大文章"工作，同时紧跟内外部经济形势及政策要求，严格授 | | | 信 ...

证券代码：002142 证券简称：宁波银行 宁波银行股份有限公司投资者关系活动记录表 编号:2025-38 | 投资者关系活动 | □分析师会议 特定对象调研 | | --- | --- | | 类别 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 □现场参观 □其他： | | 活动参与人员 | 公司投关团队； Lai； Sumitomo Luo； | | | Point72 Hong Kong Limited Zining Wang； | | | Mitsui Ds Asset Management Co. , Ltd. Alan | | UBS | Asset Management Chai Hui； | | | Pinpoint Asset Management Limited Luyi | | | Li； Public Sector Pension Investment Board Grace | | | Principal Financial Group, Inc. Roger Yu | | 时间 2025 | 年 12 月 4 日上午 | | 地点 | 电话会议 | | 形式 ...

本公司于2025年11月27日在《中国证券报》《上海证券报》《证券时报》及上海证券交易所网站 （www.sse.com.cn）披露了《关于召开2025年第三季度业绩说明会的公告》。2025年12月3日15:00一 16:00，公司董事长陈达彬先生、总经理郭远东先生、副总经理兼董秘刘岚女士、财务总监陈俊先生、 独立董事满加云先生出席了本次业绩说明会，并与投资者进行互动交流和沟通，就投资者关注的问题进 行了回复。 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担法律责任。 本公司于2025年12月3日（星期三）15:00-16:00在上海证券交易所上证路演中心（网址： http://roadshow.sseinfo.com/），以网络文字互动方式召开了公司2025年第三季度业绩说明会，现将召开 情况公告如下： 一、业绩说明会召开情况 第三季度营收减少主要受销售波动影响。采取措施：第一，公司将在力争稳定新活素收入的同时，努力 提高诺、金、十、小等其他品种的销售，带来整体业绩的提升；第二，公司将继续加大研发投入与项目 引进力度，实现"内源性增长" ...

Group 1: Capital Growth and Financing - The company focuses on balancing dividends and endogenous capital growth to ensure a solid capital foundation for sustainable business development [2] - Endogenous capital is expected to create greater value for the company's development, with a commitment to enhancing performance and providing more returns to shareholders [2] Group 2: Loan Growth and Economic Support - The company has been actively supporting key sectors such as small and micro enterprises, manufacturing, and consumer spending, leading to steady growth in loan scale [2] - Future loan growth is anticipated to be maintained through the release of policy dividends aimed at expanding domestic demand and promoting consumption [2] Group 3: Advanced Capital Measurement - The company is researching and following the regulatory requirements for implementing advanced capital measurement methods as outlined by the National Financial Supervision Administration [2] - The company is closely monitoring regulatory dynamics and the progress of peers in applying for advanced measurement methods [2] Group 4: Investor Communication - The company ensured thorough communication with investors during the meeting, adhering to disclosure regulations and avoiding any leakage of undisclosed significant information [2]

Group 1: Capital Measurement and Regulatory Compliance - The bank is actively researching and following the requirements for implementing advanced capital measurement methods as per the regulations issued by the National Financial Regulatory Administration in November 2024 [2] - The bank is closely monitoring regulatory dynamics and the application progress of peers regarding advanced capital measurement [2] Group 2: Financing and Internal Growth - The company emphasizes the long-term relationship between dividends and internal capital growth, aiming to create greater value through internal capital [2] - The bank is committed to enhancing performance and maintaining steady growth of internal capital to provide higher returns to shareholders [2] Group 3: Loan Growth and Economic Support - The bank has focused on supporting key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer spending, leading to steady loan growth [2] - Future loan growth is expected to be sustained by ongoing policy benefits aimed at expanding domestic demand and promoting consumption [2] Group 4: Investor Communication and Disclosure - During the investor communication, the bank ensured compliance with disclosure regulations, confirming that no undisclosed significant information was leaked [2]

Group 1: Financing and Growth - The company focuses on balancing dividends and internal capital growth to ensure a solid capital foundation for sustainable business 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: Loan Growth and Support - The company has been actively supporting key sectors such as small and micro enterprises, manufacturing, and consumer services, leading to steady loan growth [2] - Future loan growth is anticipated to be supported by ongoing policy benefits aimed at expanding domestic demand and promoting consumption [2] Group 3: Asset Quality Management - The company acknowledges new challenges in asset quality management due to economic fluctuations and external conditions [2] - A focus on risk management through a specialized service system and strict credit policies is in place to maintain asset quality at a competitive level within the industry [2] Group 4: Compliance and Communication - The company ensured that all communications during the investor relations activity adhered to disclosure regulations, with no significant undisclosed information leaked [2]

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]

Group 1: Asset Quality Outlook - The company anticipates maintaining a good asset quality level within the industry despite new challenges from economic fluctuations and external conditions [2] - The bank will focus on key areas and adhere to a risk bottom line while enhancing its credit risk management through financial technology [2] Group 2: Loan Growth Prospects - The bank has been increasing its loan scale by focusing on key sectors such as private small and micro enterprises, manufacturing, and consumer spending [2] - Future loan growth is expected to remain reasonable, supported by policies aimed at expanding domestic demand and promoting consumption [2] Group 3: Capital Growth and Returns - The company emphasizes the importance of balancing dividends with internal capital growth to ensure sustainable development [2] - Internal capital is projected to create greater value for the company, with a commitment to enhancing performance and providing returns to shareholders [2]