研報掘金丨國盛證券:寧波銀行未來兼具穩定性與成長性,維持“買入”評級
國盛證券研報指出,寧波銀行(002142.SZ)2024年歸母淨利潤271億元,同比增長6.23%。分紅政策上,2024年寧波銀行以每10股派發現金股利9元,全年分紅比例達22.77%,較23年提升6.8pc,彰顯公司重視投資者回報。2024全年寧波銀行息差降幅收窄,淨利息收入同比高增,同時實現存、貸兩旺,規模增速均在17%+,彰顯成長屬性。資產質量方面,四季度末全行不良率環比持平,各項指標走勢平穩,疊加不良處置力度加大,預計寧波銀行未來資產質量繼續保持穩健。中長期維度,寧波銀行在當前環境下客戶經營質效仍穩步提升,16個利潤中心廣開門路,未來兼具穩定性與成長性,維持此前“買入”評級。
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