宁波银行：深耕“五篇大文章” 绘就金融高质量发展新图景

Core Viewpoint - Ningbo Bank, as a nationally significant bank and a top global bank, focuses on creating value through professionalism and aims to support the real economy with its strategic orientation towards technology finance, green finance, inclusive finance, pension finance, and digital finance during the "14th Five-Year Plan" period [2][3]. Group 1: Financial Performance - As of September 2025, Ningbo Bank's total assets exceeded 3.5 trillion yuan, reaching 35,783.96 billion yuan, a growth of 14.50% from the beginning of the year, demonstrating strong asset expansion capabilities [2]. - The net profit attributable to shareholders for the first three quarters was 22.445 billion yuan, an increase of 8.39% year-on-year, indicating stable profit growth despite challenging external conditions [2][3]. - The non-performing loan ratio remained stable at 0.76%, with a provision coverage ratio of 375.92%, showcasing the bank's strong risk management capabilities [3]. Group 2: Technology Finance - Ningbo Bank has established a dedicated Technology Finance Department to provide comprehensive financial services for technology enterprises, focusing on their core needs across funding, technology, industry, and supply chains [4]. - The bank has successfully set up a 500 million yuan industrial fund in Jiaxing, enhancing project success rates to over 50% through a closed-loop system of fund investment and project implementation [5]. Group 3: Green Finance - By mid-2025, Ningbo Bank's green loan balance reached 68.814 billion yuan, an increase of 18.270 billion yuan from the beginning of the year, supporting the transition to a low-carbon economy [6]. - The bank issued five green bonds with a total amount of 7 billion yuan, and invested in 57 green bonds, holding a balance of 2.626 billion yuan [7]. Group 4: Inclusive Finance - In the first half of 2025, Ningbo Bank provided over 38 billion yuan in credit support to more than 20,000 small and micro enterprises, demonstrating its commitment to inclusive finance [8]. - The bank's "Bobo Zhila" platform offers comprehensive services, including carbon calculation and declaration, supporting enterprises in navigating development challenges [9]. Group 5: Pension Finance - Ningbo Bank's pension loan balance reached 790 million yuan by mid-2025, a significant increase of 273% from the beginning of the year, reflecting its focus on the aging population's financial needs [10]. - The bank has launched 170 personal pension products, catering to various age groups and risk preferences, enhancing wealth accumulation for residents [10]. Group 6: Digital Finance - Ningbo Bank has upgraded its digital product offerings, including the "Kunpeng Treasury" and "Financial Manager," to enhance service efficiency for enterprises [12]. - The bank has successfully facilitated equipment mortgage financing for manufacturing enterprises, alleviating financial pressures on small and medium-sized businesses [12][13].