从“三金”融合到“双效”提升 ——宁波通商银行以转型发展促进多维价值创造的跃迁

Core Viewpoint - Ningbo Commercial Bank has established itself as a specialized bank with a focus on differentiated, characteristic, and professional development, aiming for steady operation and value creation through transformation and efficiency enhancement [1] Group 1: Business Strategy and Development - The bank has implemented a "dual efficiency" enhancement initiative since 2025, integrating customer service with sustainable commercial development to create multi-dimensional value [1][2] - The bank's ranking in the 2025 Global Bank 1000 list improved to 604, moving up 16 places from the previous year, and it maintained the 23rd position in the China Banking Association's evaluation of city commercial banks [1] - The bank emphasizes fine management to enhance efficiency and stimulate value creation, focusing on cost reduction and service optimization to support regional economic development [2] Group 2: Financial Products and Services - The bank has developed three specialized financial service brands: Park Finance, Supply Chain Finance, and Technology Innovation Finance, which are crucial for its competitive edge [5] - The bank has introduced innovative products like "Export Data Loan" to address financing challenges for foreign trade enterprises, enhancing service efficiency and operational effectiveness [3] - The bank is actively promoting its "Tongshang E-chain" brand in supply chain finance, focusing on project implementation and comprehensive service solutions tailored to local industry needs [6] Group 3: Operational Efficiency and Risk Management - The bank has improved operational efficiency through digital integration and upgraded credit systems, significantly reducing processing times for various banking operations [2] - It has adopted a strategy of "finding, transforming, managing, and compressing" to enhance non-interest income and explore new growth points [4] - The bank's risk management capabilities have strengthened, supporting reasonable business growth and maintaining high asset quality [4] Group 4: Brand and Corporate Culture - The bank's brand, "Tongminxin Shanghang," reflects its commitment to professional service and community support, enhancing its reputation and customer trust [8][9] - The bank aims to build a high-reputation professional bank by focusing on long-term development and adhering to national policies to support the real economy [9][10] Group 5: Future Outlook - The bank plans to continue its focus on the "three golds" strategy and enhance its core competitiveness in 2025, which is a pivotal year for its strategic planning [10] - It aims to deepen the integration of its financial services and maintain its commitment to supporting small and micro enterprises through comprehensive financial solutions [10]