证券代码：002142 证券简称：宁波银行 编号:2025-35 | 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： | | | 活动参与人员 | 公司投关团队； | | | | 兴业基金 刘方旭、蒋晨龙 | | | 时间 | 2025 年 11 月 25 日上午 | | | 地点 | 公司总部大厦 | | | 形式 | 现场会议 1、请问公司如何在行业竞争中取得优势？ | | | | 的比较优势，推动银行高质量发展：一是深化经营主线，推动持续发展；二 | | | | 答：公司坚持差异化的经营策略，主动适应经营环境变化，持续积累差异化 | | | | 是强化专业经营，夯实核心优势；三是加快科技转型，赋能经营管理；四是 | | | | 守牢风险底线，确保平稳运营。 | | | | 2、请问公司再融资和内源性增长情况？ | | | | 答：一直以来公司始终着眼长远，统筹好分红与内源性资本增长的关系，夯 | | | | 实业务稳健可持续发展所必需的 ...

Core Insights - Ningbo Bank has engaged with 22 institutional investors, including JP Morgan Asset Management, discussing core business development, endogenous growth, and future asset outlook [1] - The bank reported strong performance in its Q3 2025 results, with total assets reaching 3,578.396 billion yuan, a 14.50% increase from the beginning of the year, and total loans and advances at 1,716.823 billion yuan, up 16.31% [1] - The bank maintains a stable non-performing loan ratio and a strong risk coverage capability, indicating improved asset quality [1] Group 1: Business Strategy and Growth - Ningbo Bank emphasizes a differentiated business strategy to adapt to changing operating environments, focusing on sustainable development, core advantages, technological transformation, and risk management [1] - The bank aims to enhance its financial services to support key sectors such as small and micro enterprises, manufacturing, and consumer spending, ensuring steady loan growth [2] - The bank's proactive approach includes a focus on credit risk management and leveraging financial technology to improve risk monitoring [2] Group 2: Regulatory Compliance and Investor Relations - Ningbo Bank has received an "A" rating for 17 consecutive years in information disclosure assessments, reflecting its commitment to transparency and investor protection [3] - The bank is focused on balancing dividends and endogenous capital growth to ensure sustainable business development, especially in light of current refinancing regulations [3] - The bank aims to enhance its performance and maintain steady growth in endogenous capital to provide greater returns to shareholders [3]

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on sustainable development and high-quality growth [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and maintaining risk management to ensure stable operations [2] Group 2: Capital Growth and Financing - The company emphasizes the long-term relationship between dividends and internal capital growth, ensuring 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 3: Asset Quality Outlook - The company acknowledges new challenges in asset quality management due to economic fluctuations and changes in domestic and international situations [2] - It plans to focus on key areas, adhere to risk management principles, and implement prudent credit policies while enhancing risk monitoring through financial technology [2] - The asset quality is projected to remain at a relatively good level within the industry [2]

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]

Core Viewpoint - Ningbo Bank (002142) is actively managing its asset quality and loan growth amidst economic fluctuations and regulatory changes, focusing on key sectors to support the real economy while maintaining a robust risk management framework [2][3]. Group 1: Asset Quality Management - The company acknowledges new challenges in asset quality management due to economic cycles and external factors, committing to a risk-averse approach while enhancing its credit risk management through financial technology [2]. - The bank's asset quality is expected to remain at a relatively good level compared to the industry [2]. Group 2: Loan Growth Strategy - Ningbo Bank has been focusing on supporting small and micro enterprises, manufacturing, and consumer sectors, leading to steady loan growth [3]. - The bank plans to continue expanding its financial services to meet the financing needs of the real economy, supported by policies aimed at boosting domestic demand and consumption [3]. Group 3: Capital Growth and Financing - The company emphasizes the importance of balancing dividends with internal capital growth to ensure sustainable business development [3]. - Internal capital is expected to create greater value for the company, especially under current refinancing regulatory requirements [3]. Group 4: Analyst Ratings and Predictions - Over the past 90 days, 14 institutions have rated the stock as a buy, with an average target price of 32.35 [4]. - Detailed profit forecasts indicate projected net profits of approximately 287.81 million to 295.79 million for 2025, with growth expected in subsequent years [6].