Group 1 - The 2026 Beijing Commercial Brand Conference and the announcement of the 2025 Top Ten Commercial Brands took place in Beijing, focusing on the theme "New Demand, New Supply" [1] - The event was guided by the Beijing Municipal Bureau of Commerce and co-hosted by the Beijing Daily Media Group and the Beijing Commercial Association, highlighting the highest level of commercial brands in Beijing [1] Group 2 - The consumer market is undergoing continuous transformation and upgrading, with finance playing a crucial role by innovating products and service models to meet new consumer demands [3] - Financial innovations are effectively releasing consumption potential, enhancing payment convenience, and expanding consumer credit scenarios, thereby injecting strong momentum into the real economy [3] Group 3 - The annual special list "Outstanding Cases of Financial Product Innovation Empowering Consumption" was revealed, featuring various financial institutions and their innovative projects aimed at boosting consumption [5] - Notable projects include: - WeChat Pay's collaboration with banks on fraud prevention to boost consumption - Hangzhou Bank's full-chain consumer finance empowerment - Construction Bank's North Garden Street project - Ningbo Bank's "Beautiful Life Service Platform" - Xiamen International Bank's "Good Loan" - Postal Savings Bank's innovative financial services - Sunshine Property Insurance's support for the cultural industry - Citic Bank's digital finance initiatives [5][7]

Core Viewpoint - The city commercial bank sector experienced a decline of 1.27% on January 16, with Jiangsu Bank leading the drop. The Shanghai Composite Index closed at 4101.91, down 0.26%, while the Shenzhen Component Index closed at 14281.08, down 0.18% [1]. Group 1: Stock Performance - Ningbo Bank closed at 29.30, up 1.70% with a trading volume of 589,500 shares and a transaction value of 1.723 billion [1]. - Xiamen Bank closed at 7.20, up 0.70% with a trading volume of 128,700 shares and a transaction value of 92.3661 million [1]. - Jiangsu Bank closed at 9.76, down 2.69% with a trading volume of 2,061,300 shares and a transaction value of 2.033 billion [2]. - Shanghai Bank closed at 9.64, down 2.43% with a trading volume of 961,200 shares and a transaction value of 933.3 million [2]. Group 2: Capital Flow - The city commercial bank sector saw a net outflow of 229 million from main funds, while speculative funds had a net inflow of 716 million, and retail investors experienced a net outflow of 487 million [2]. - Hangzhou Bank had a main fund net inflow of 153 million, while retail investors saw a net outflow of 113 million [3]. - Nanjing Bank recorded a main fund net inflow of 70.5 million and a retail net outflow of 131 million [3].

Group 1 - The 2025 Beijing Commercial Forum was successfully held, focusing on the theme "Trendy Transformation: New Demand and New Supply," gathering representatives from various sectors to discuss fashion consumption and trends [1] - A strategic cooperation agreement was signed between the Beijing Ten Major Commercial Brands Organizing Committee and Ningbo Bank Beijing Branch, aiming to explore how financial services can better meet the needs of the consumer finance sector [1] Group 2 - Ningbo Bank has established the "Bobo Zhiliao" enterprise service platform, which currently serves over 161,000 enterprises across various regions, including major cities like Beijing, Shanghai, and Shenzhen [4] - The platform has provided services to 16,100 enterprises, including 2,819 state-owned enterprises and 1,076 listed companies, as well as 42 unicorn companies, showcasing its extensive reach and impact [4] - Ningbo Bank's Beijing Branch has been committed to supporting the real economy and small and medium-sized enterprises (SMEs) since its establishment 15 years ago, adapting to market changes and providing tailored financial services [6] - The bank has transitioned from being a traditional "fund provider" to a "resource integrator," offering a diverse range of financial and non-financial services to meet the full lifecycle needs of enterprises [6] - The Beijing Branch is focused on digital innovation, integrating financial technology with the real economy to enhance service delivery and create a "digital benefit for enterprises and citizens" [6]

Group 1 - A total of 30 companies were investigated by institutions on January 15, with 24 companies being surveyed by funds, indicating strong interest from institutional investors [1] - Hai Tian Rui Sheng received the most attention, with 49 funds participating in its survey, followed by Di Ke Co., Ltd. and Jun Da Co., Ltd. with 12 and 9 funds respectively [1] - The surveyed companies belong to various sectors, with the power equipment industry having the highest representation at 4 companies, followed by the automotive and textile industries, each with 2 companies [1] Group 2 - Among the surveyed companies, 2 have a total market capitalization exceeding 500 billion, with Ningbo Bank and SF Holding being over 1 trillion, while 9 companies have a market cap below 100 billion [1] - In terms of market performance, 19 out of the surveyed stocks increased in value over the past 5 days, with Di Ke Co., Ltd. and Hai Tian Rui Sheng leading with gains of 31.28% and 31.12% respectively [1] - Seven stocks experienced net inflows of funds in the past 5 days, with SF Holding attracting the most at 282 million, followed by Ke Shi Da and Jun Da Co., Ltd. with inflows of 206 million and 199 million respectively [2]

Group 1 - Ningbo Bank announced an adjustment in the minimum purchase amount for gold accumulation from 1000 yuan to 1200 yuan effective January 16, 2026 [1] - The weight requirement for gold purchases remains unchanged at 1 gram [1] - Transactions with amounts less than 1200 yuan will not be successfully submitted [1]

Core Viewpoint - Ningbo Bank (002142) has issued a notice urging clients to enhance their risk awareness regarding precious metals due to recent price volatility [1] Group 1 - The bank emphasizes the importance of rational investment based on individual financial status and risk tolerance [1] - Clients are advised to monitor their holdings and manage their positions carefully [1] - The notice highlights the need for diversified asset allocation to avoid heavy concentration in precious metals [1]

Core Viewpoint - Ningbo Bank emphasizes a long-term focus on balancing dividends and internal capital growth to strengthen the necessary capital foundation for sustainable business development [1] Group 1: Capital Management - The company aims to enhance its performance while maintaining steady growth of internal capital to create greater value for shareholders [1] - Given the current regulatory requirements for refinancing, internal capital will play a crucial role in the company's development [1] Group 2: Commitment to Shareholders - Ningbo Bank is committed to providing more returns to shareholders through consistent efforts to improve its business performance [1]

Group 1 - The core viewpoint of the article highlights that Ningbo Bank is focusing on supporting key sectors such as private small and micro enterprises, manufacturing, import and export businesses, and consumer services to enhance financial services and support the real economy [2] - The company has been actively implementing government and regulatory decisions, increasing resource allocation and support for targeted industries, which has led to a steady growth in loan scale [2] - In the upcoming period, with the continuous release of policy dividends aimed at expanding domestic demand and promoting consumption, the company plans to further expand its financial service coverage to effectively meet the financing needs of the real economy [2]

Group 1: Financing and Growth Strategies - The company focuses on balancing dividends and 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 [2] - The company aims to enhance performance and maintain steady growth of internal capital to provide more returns to shareholders [2] Group 2: Competitive Advantages - The company adopts a differentiated business strategy to adapt to changes in the operating environment and accumulate comparative advantages [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and ensuring risk management [2] Group 3: Loan Growth and Economic Support - The company has focused on supporting private small and micro enterprises, manufacturing, import-export businesses, and consumer sectors to enhance financial service levels [2] - With ongoing policy benefits aimed at expanding domestic demand and promoting consumption, the company plans to maintain reasonable credit growth [2] - The goal is to effectively meet the financing needs of the real economy and support its development [2] Group 4: Compliance and Communication - During the investor relations activity, the company ensured thorough communication with investors while adhering to disclosure regulations [2] - No significant undisclosed information was leaked during the reception process [2]

证券日报网1月14日讯 ，宁波银行在接受调研者提问时表示，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。 （编辑 丛可心） ...