宁波银行的 “抗打” 秘籍：在波动中稳住增长节奏

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].