Group 1 - The establishment of the first data asset service association in Zhejiang Province marks a significant step towards innovation in data asset applications, with Ningbo Bank's Jiaxing branch as a founding member [1] - Ningbo Bank is actively responding to Jiaxing's digital economy initiatives, enhancing digital financial services to empower the real economy and stimulate transformation [1] Group 2 - Ningbo Bank is leveraging financial technology to address digitalization challenges faced by enterprises, enhancing systems like "Financial Asset Manager" to improve efficiency in fund management [3] - The "Financial Asset Manager" has unified the management of 45 subsidiary accounts for a logistics company, significantly improving internal approval efficiency and helping nearly 300 enterprises in Jiaxing [3] Group 3 - In response to increasing market competition, Ningbo Bank is innovating service models to support private enterprises, launching platforms like "Bobo Zhiliao" and "Equipment Home" to provide value-added services [4] - "Bobo Zhiliao" offers over 20 professional services to help enterprises expand sales channels and reduce costs, serving nearly 5,000 companies in Jiaxing [6] - "Equipment Home" facilitates a comprehensive ecosystem for equipment transactions, with over 200,000 registered users nationwide and 38 billion yuan in equipment transactions [6] Group 4 - Ningbo Bank is building an "AI + Finance" digital ecosystem, engaging local entrepreneurs in exploring AI applications in business [8] - The bank is conducting workshops on AI's impact on various business processes, serving nearly 200 enterprises and fostering connections between businesses and technological advancements [10] - The bank aims to continue driving digital financial initiatives to support various industries in navigating the digital transformation wave [10]

中国经济网北京5月19日讯 日前，17家A股上市城商行的2025年一季度报告已披露完毕。从归母净 利润表现来看，江苏银行今年首季实现归母净利润97.80亿元夺冠，北京银行、宁波银行分别以76.72亿 元、74.17亿元位列第二、三名。 | 银行名称 | 归母净利润（亿元） | | --- | --- | | 江苏银行 | 97.80 | | 北京银行 | 76.72 | | 宁波银行 | 74.17 | | 上海银行 | 62.92 | | 南京银行 | 61.08 | | 杭州银行 | 60.21 | | 成都银行 | 30.12 | | 长沙银行 | 21.73 | | 重庆银行 | 16.24 | | 苏州银行 | 15.54 | | 贵阳银行 | 14.43 | | 齐鲁银行 | 13.72 | | 青岛银行 | 12.58 | | 郑州银行 | 10.16 | | 西安银行 | 7.12 | | 厦门银行 | 6.45 | | 兰州银行 | 5.59 | 从归母净利润增速来看，2025年第一季度，在17家A股上市的城商行中，有14家实现归母净利润增 长，3家归母净利润有所下滑。其中，杭州银行归母净利 ...

Core Viewpoint - Ningbo Bank's Shaoxing branch has been recognized as the "Most Satisfied Bank for Private Enterprises" in Zhejiang Province, reflecting its commitment to supporting the development of private enterprises through innovative financial services and a robust service system [1] Group 1: Financial Support for Private Enterprises - Ningbo Bank's Shaoxing branch focuses on the needs of private enterprises, integrating various service models to enhance service quality and support high-quality development [1] - The branch has implemented the "1+7 Work Plan" to direct financial resources towards advanced manufacturing and industrial upgrades, aiding the transformation of private enterprises towards high-end, intelligent, and digital directions [2] Group 2: Innovation in Financial Products - The bank has developed specialized products like "patent loans" to support technology-driven enterprises, with a loan balance for technology enterprises reaching 4.624 billion yuan by March 2025 [2] - A variety of green financial products have been introduced, including carbon emission quota pledge loans and pollution rights mortgage loans, with green loan balances increasing to 1.749 billion yuan, a growth of 16.42% [4] Group 3: Support for Small and Micro Enterprises - The bank has allocated 8.824 billion yuan in loans to small and micro enterprises, emphasizing tailored financial services that align with local industry characteristics [7] - The implementation of a no-repayment renewal policy has eased the repayment pressure on small enterprises, enhancing their financing efficiency [7] Group 4: Development of Pension Financial Products - The bank has launched various pension products, with 9,264 personal pension accounts opened in the Shaoxing region by March 2025 [8] - Efforts to improve digital services for the elderly include the development of an elderly-friendly version of the bank's app and the adaptation of smart devices in branches [8] Group 5: Digital Financial Services - The bank has embraced digital finance, launching over 60 digital systems to provide efficient and intelligent financial services to private enterprises [9] - The "Kuanpeng Treasury" and "Financial Management Expert" platforms have been developed to support global fund management for enterprises [9] Group 6: Comprehensive Value-Added Services - The bank has created platforms like "Bobo Zhiliao" to offer comprehensive services for enterprises, including procurement and operational support [10] - A one-stop overseas service platform has been established to assist enterprises in expanding into international markets, providing a range of services from company registration to tax planning [10] Group 7: Commitment to High-Quality Development - Ningbo Bank's Shaoxing branch aims to continue enhancing its services through professional, digital, platform-based, and international approaches to support the high-quality development of the real economy [11]

Core Viewpoint - Ningbo Bank is actively fulfilling its mission by leveraging digital supply chain finance to meet the financing needs of upstream and downstream enterprises, thereby supporting high-quality development of businesses [1][2] Group 1: Supply Chain Financing - Ningbo Bank utilizes the "Unified Registration and Publicity System for Movable Property Financing" to efficiently complete accounts receivable pledge registrations, supporting supply chain financing [1] - The "Government Procurement Loan" product is a key offering from Ningbo Bank, designed to provide credit to suppliers based on government procurement contracts, addressing their funding needs [1] - The bank's supply chain financial platform allows enterprises to initiate financing applications online, streamlining the process for businesses [1] Group 2: Case Study - Zhejiang GY Technology Co., Ltd., a small enterprise focused on emergency services, experienced increasing financing needs as it expanded operations [1] - Ningbo Bank's Yinzhou branch conducted a thorough analysis of the company's sales model and settlement situation, recommending the "Government Procurement Loan" product [1] - The bank provided a short-term working capital loan of 5 million yuan to the enterprise, facilitating its financing process [1] Group 3: Commitment to Innovation - Ningbo Bank plans to continue focusing on supply chain financing products and actively engage in digital government reforms to support local enterprises [2] - The bank aims to innovate financial products and service models to break through financing bottlenecks for businesses [2] - By advancing in digital supply chain finance, Ningbo Bank seeks to provide high-quality and efficient financial services to the real economy [2]

Core Viewpoint - Ningbo Bank has joined the national small and micro enterprise fund flow credit information sharing platform, becoming one of the first city commercial banks in Zhejiang Province to do so [1] Group 1: Platform Overview - The fund flow information platform is an important financial infrastructure organized by the People's Bank of China, aimed at promoting the sharing of fund flow credit information nationwide [1] - The platform is designed to support precise credit funding to small and micro enterprises by providing valuable credit information that reflects their operational status, cash flow, debt repayment ability, and performance behavior [1] Group 2: Benefits for Small and Micro Enterprises - By utilizing fund flow credit information, banks and enterprises can establish an efficient and transparent information transmission bridge, enhancing the ability of small and micro enterprises to access financing services [1] - Ningbo Bank aims to provide more convenient and efficient digital financial services to small and micro enterprises, particularly those with growth potential but lacking traditional collateral and credit records [1] Group 3: Future Plans - Ningbo Bank plans to deepen the application of the platform, fully release the value of data elements, and optimize credit resource allocation to provide stronger financial support for high-quality development of the real economy [2]

近日，在人民银行绍兴市分行的专业指导下，宁波银行绍兴分行在动产融资创新领域再获突破，成 功为浙江某新能源企业落地2000万元排污权抵押融资业务。这一创新信贷模式的落地，不仅为企业发展 注入金融活水，更开创了区域绿色金融服务的新范式。 宁波银行绍兴分行表示，将持续深化绿色金融创新，加大对节能环保、新能源等绿色产业的支持力 度，不断探索环境权益类动产融资新模式，充分运用人民银行征信中心动产融资统一登记公示系统为更 多企业提供多元化、个性化的金融服务方案，助力地方经济绿色低碳高质量发展。 作为新能源废旧电池梯次回收及循环利用领域的标杆企业，浙江某公司凭借领先的核心产品技术， 先后荣获"国家高新技术企业"、"RMI认证企业"、"绍兴市绿色工厂"等多项荣誉。企业依托中国节能环 保有限公司、北京汽车、浙能电力股份等新能源行业龙头国企的资金与技术支持，专注于新能源产业高 值服务的研发与应用。目前，企业已建成规模宏大的退役锂电池及钴镍资源循环项目，具备年产12000 金属吨钴、10000金属吨镍、8000金属吨碳酸锂的生产能力，其产出的钴、镍、锂、锰化合物产品，可 高效循环应用于动力锂电池生产，形成绿色经济闭环。 近年来，随 ...

Core Viewpoint - The performance of several A-share listed banks has shown significant improvement in the first half of 2025, with many banks reporting double-digit growth in net profit, which has positively influenced their stock prices [1][2][5]. Financial Performance - Changshu Rural Commercial Bank reported a revenue of 6.062 billion yuan, a year-on-year increase of 10.1%, and a net profit attributable to shareholders of 1.969 billion yuan, up 13.51% year-on-year [1][2]. - Other banks such as Ningbo Bank, Qingdao Bank, Qilu Bank, and Hangzhou Bank also reported positive earnings, with Ningbo Bank achieving a revenue of 37.16 billion yuan, a growth of 7.91%, and Qingdao Bank with a revenue of 7.662 billion yuan, growing by 7.5% [2]. Asset Quality - The asset quality of the banks remains stable, with Changshu Rural Commercial Bank, Ningbo Bank, and Hangzhou Bank maintaining a non-performing loan (NPL) ratio of 0.76%. Qilu Bank's NPL ratio is 1.09%, and Qingdao Bank's is 1.12%, both showing slight improvements from the previous year [3]. Market Performance - Bank stocks have performed well in 2025, with 26 out of 42 A-share listed banks seeing their stock prices rise. Changshu Rural Commercial Bank's stock increased by over 3%, while other banks like Postal Savings Bank and Agricultural Bank also saw gains [4]. Investment Sentiment - The positive earnings reports have alleviated market concerns regarding narrowing net interest margins and asset quality, reinforcing the upward momentum in bank stocks. The growth in earnings reflects improved operational resilience, boosting investor confidence in the long-term investment value of bank stocks [5]. Future Outlook - Analysts expect a structural market trend for bank stocks, with a stable macroeconomic foundation supporting continued improvement in the banking sector's fundamentals. However, some banks may face valuation challenges due to previous price increases [6]. - Key investment strategies include focusing on banks with strong asset quality and profitability, considering valuation levels, diversifying investments, and maintaining a long-term holding perspective to benefit from stable dividends and value growth [6].

今年3月，北京萃华楼举办了一场颇为特殊的企业交流会，会议的主办方是宁波银行北京分行，参与交 流的有北京老字号餐饮企业，萃华楼、花家怡园、便宜坊、胡大饭馆、鸦儿李记等知名餐饮企业负责人 以及宁波银行总分行相关领导、与会嘉宾就当前餐饮行业面临的挑战与发展机遇进行探讨。 当下，餐饮行业正面临多重经营压力。在成本管控方面，持续攀升的人力、房租及能耗成本严重挤压企 业利润空间。会上，宁波银行针对餐饮企业经营痛点进行了深入分析，并系统介绍了定制化的金融解决 方案。 在这场会议中，"美好生活""波波知了"等平台成为主角。上述平台是宁波银行发挥平台化价值，从实体 企业需求出发，借助银行平台的资源禀赋，整合多方资源，匹配客户需求，提供全流程的综合化服务。 这也是宁波银行这一城商行"优等生"在激烈的市场竞争环境中，深耕客户服务的特殊"答卷"。 "美好生活"作为宁波银行"平台化"战略的重要载体，打破了传统银行仅聚焦存贷业务的局限，通过连接 消费场景与企业需求，打造一站式惠民服务平台。该平台通过整合线上线下资源，围绕衣、食、住、 行、购五大场景，聚焦"好物、美食、生活、商圈、好用"五大核心场景推出爆款权益，同时形成了集 市、内购会、 ...

Group 1 - Bank stocks experienced a morning rally on August 7, with the Tianhong Bank ETF (515290) rising by 0.58% and a trading volume exceeding 36.15 million yuan [1] - Six banks have reported positive half-year performance forecasts, with five banks showing a year-on-year net profit growth of double digits [1] - The Tianhong Bank ETF closely tracks the CSI Bank Index, which consists of up to 50 bank stocks from the CSI All Share Index, reflecting the overall performance of the banking sector [1] Group 2 - Future expectations indicate that with the gradual implementation of public fund reform plans, the constraint of performance benchmarks will strengthen, leading to increased holdings in banks by active funds [2] - The current under-allocation of bank stocks is estimated to be around 5%-7%, suggesting that the mid-term market for banks is likely not over yet [2]

Core Viewpoint - Ningbo Bank has demonstrated resilience in its financial performance, achieving significant growth in total assets, customer deposits, and loan scale despite a complex economic environment [1][3]. Group 1: Financial Performance - As of the end of June, Ningbo Bank's total assets exceeded 3.47 trillion yuan, representing an 11.04% increase from the beginning of the year [1]. - Customer deposits surpassed 2.07 trillion yuan, while the loan scale reached 1.67 trillion yuan, with both core indicators growing by over 13% [1][3]. Group 2: Customer Engagement and Service - The bank's ability to attract customers is reflected in the simultaneous double-digit growth in deposits and loans, indicating a strong customer preference for its services [3]. - A representative case is highlighted where a small business owner received a loan of 3 million yuan on the same day after submitting an online application, showcasing the bank's customer-centric approach [3]. Group 3: Risk Management - Ningbo Bank maintains a stable non-performing loan ratio while ensuring a high provision coverage ratio, indicating effective risk management alongside asset expansion [3]. - The bank's risk control measures create a solid support relationship between asset scale and asset quality, akin to a well-constructed joint in carpentry [3]. Group 4: Digital Transformation - The bank's digital transformation has accelerated its growth, allowing corporate clients to complete foreign exchange settlements and guarantee issuance via mobile banking, reducing processing time by over 60% [5]. - This service upgrade enhances customer loyalty and enables the bank to operate efficiently while serving a large number of clients [5]. Group 5: Overall Strategy - Ningbo Bank's growth reflects a balance between stability and progress, underpinned by a solid customer base, prudent risk management, and continuous service innovation [5].