宁波银行：1月28日起调整定存金产品定存利率

Group 1 - The core point of the announcement is that Ningbo Bank will adjust its fixed deposit interest rates starting from January 28, 2026, with rates set at 0% for demand deposits, 0.3% for 1-month and 3-month deposits, 0.4% for 6-month deposits, and 0.5% for 12-month deposits [1] Group 2 - The bank advises customers to enhance their risk awareness regarding precious metals due to recent price volatility and to invest rationally based on their financial situation and risk tolerance [1] - Customers are encouraged to monitor their positions, control their holdings reasonably, and diversify their investments to avoid heavy concentration in precious metals [1]