11月13日，由中国兽医协会主办的第二届畜牧兽医企业家创思讲坛在郑州黄河迎宾馆成功举行。本次讲坛以"微利时代差异化经营策略与高素质兽医人才 的关键作用"为主题，旨在打造高质量的行业交流平台，推动畜牧兽医领域实现绿色、低碳与高质量发展。会议邀请到17名来自知名企业及高校的代表共 同探讨行业趋势，分享创新思路。 第一篇章 凡益之道，与时偕行 ——差异化经营时代创新路径 第一篇章"凡益之道，与时偕行——差异化经营时代创新路径"聚焦于微利时代的创新路径。与会企业家代表围绕可持续发展、降本增效等核心议题进行分 享，结合一线实践，从集团化养殖经营、管理型兽医的核心价值、成本模型构建、智能装备应用、兽药品质管控及第三方检测服务等多个维度，分享了突 破行业困局的前瞻思考与实践成果，为现场同仁提供了多元的战略思路与可行的落地方案。第一篇章由中国兽医协会寄生虫防治分会会长、河南农业大学 动物医学院张龙现教授及河南牧业经济学院动物医药学院汤法银院长主持。 张龙现教授主持第一篇章第一部分 温氏股份秦晋养猪公司总经理丁志勇分享 《集团化生猪养猪的可持续发展》 河南银发牧业有限公司常务副总裁兼饲料事业部总经理李建房分享《银发牧业客户5. ...

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening operational lines, strengthening core advantages, accelerating technological transformation, and ensuring risk management [2]. - The company aims to maintain a good asset quality level despite economic fluctuations and challenges, leveraging its unique "Four Transformations and Five Supports" service system to assist key economic sectors [2]. Group 2: Loan Growth and Economic Support - The company has focused on supporting private small and micro enterprises, manufacturing, import-export businesses, and consumer sectors, leading to a steady increase in loan volume [2]. - Future loan growth is expected to be sustained as policies promoting domestic demand and consumption continue to be implemented, enhancing financial service coverage to meet the needs of the real economy [3]. Group 3: Risk Management and Credit Policies - The company emphasizes strict credit approval processes and prudent lending policies to manage credit risk effectively, ensuring stable operations [2]. - Continuous improvement of the credit risk management process is prioritized, utilizing financial technology to enhance risk monitoring systems [2].

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on sustainable development and high-quality growth [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and maintaining risk management to ensure stable operations [2] Group 2: Capital Growth and Financing - The company emphasizes the long-term relationship between dividends and internal capital growth, ensuring a solid capital foundation for sustainable business development [2] - Internal capital is expected to create greater value for the company's development, with a commitment to enhancing performance and maintaining steady internal capital growth for shareholder returns [2] Group 3: Asset Quality Outlook - The company acknowledges new challenges in asset quality management due to economic fluctuations and changes in domestic and international situations [2] - It plans to focus on key areas, adhere to risk management principles, and implement prudent credit policies while enhancing risk monitoring through financial technology [2] - The asset quality is projected to remain at a relatively good level within the industry [2]

Group 1: Competitive Advantage - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening the main business line, strengthening professional operations, accelerating technological transformation, and ensuring risk management [2]. Group 2: Capital Supplementation - The bank has continuously optimized its business structure and saved capital usage, achieving a capital adequacy ratio of 15.32% by the end of 2024, which is considered a good level within the industry [2]. Group 3: Loan Growth - The company has focused on key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer services, enhancing financial services to support the real economy and maintain steady loan growth [2]. Group 4: Investor Communication - During the investor relations activity, the company ensured thorough communication with investors and adhered to disclosure regulations, with no significant undisclosed information leaks reported [2].

Group 1: Asset Quality Outlook - The company anticipates maintaining a good asset quality level within the industry, despite new challenges posed by economic cycles and external conditions [2] - The bank will focus on key areas and adhere to a risk bottom line, implementing prudent and efficient credit policies [2] Group 2: Competitive Advantages - The company adopts a differentiated business strategy to accumulate comparative advantages and promote high-quality development [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and ensuring stable operations [2] Group 3: Loan Growth Prospects - The company has focused on supporting private small and micro enterprises, manufacturing, import-export businesses, and consumer sectors, leading to steady loan growth [2] - Future loan growth is expected to continue as policies promoting domestic demand and consumption are implemented [2] Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured full communication with investors, adhering to relevant regulations without disclosing any undisclosed significant information [2]

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening operational lines, strengthening professional management, accelerating technological transformation, and maintaining risk control [2]. Group 2: Asset Quality Outlook - The bank faces new challenges in asset quality management due to economic fluctuations and changes in domestic and international situations. It will focus on key areas while adhering to a strict risk bottom line, utilizing a unique service system to support economic priorities and implementing prudent credit policies [2]. Group 3: Loan Growth and Future Prospects - The company has been actively supporting key sectors such as small and micro enterprises, manufacturing, and consumer services, leading to steady loan growth. Future policies aimed at expanding domestic demand and promoting consumption are expected to further enhance financial service coverage and support the real economy [2]. Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured that all communications adhered to disclosure regulations, with no significant undisclosed information leaked [2].

Core Viewpoint - Ningbo Bank has demonstrated strong growth in 2024, maintaining its position as one of the best-performing city commercial banks in China despite challenges in the banking sector [1][3][13]. Financial Performance - In 2024, Ningbo Bank reported total assets of 3,125.232 billion yuan, a year-on-year increase of 15.25% - Revenue reached 66.631 billion yuan, up 8.19% year-on-year - Net profit attributable to shareholders was 27.127 billion yuan, reflecting a growth of 6.23% year-on-year [1][4][13]. Asset Quality and Challenges - The bank's asset quality is under pressure, with an increasing trend in non-performing loans (NPLs) - The NPL ratio remained stable at 0.76%, but the bank has increased its write-offs significantly, with 13.969 billion yuan in NPL write-offs in 2024, up 68% from 2023 [10][12]. - The migration rate of normal loans to the attention category has risen, indicating potential risks [12]. Credit and Deposit Growth - Ningbo Bank achieved a loan growth of 17.83% in 2024, supported by a deposit growth of 17.24% - The bank's net interest margin decreased slightly from 1.88% to 1.86%, which is better than many peers [6][7][9]. Management Stability and Future Outlook - The long-term stability of the management team has been a core advantage, but the impending retirement of Chairman Lu Huayu, who has led the bank for 20 years, raises questions about future leadership transitions [2][14][15]. - The bank's strategic focus on differentiated operations has contributed to its sustained performance, but future management changes could impact its strategic direction [14][15].

Core Viewpoint - Ningbo Bank has demonstrated resilience in a challenging banking environment in 2024, achieving significant growth in total assets and net profit while maintaining strong asset quality metrics [1][2]. Group 1: Financial Performance - As of the end of 2024, Ningbo Bank's total assets reached 3.13 trillion yuan, a year-on-year increase of 15.25% [2]. - The bank's net profit attributable to shareholders was 27.127 billion yuan, reflecting a growth of 6.23% compared to the previous year [3]. - The bank's operating income for 2024 was 66.631 billion yuan, with a year-on-year increase of 8.19% [3]. Group 2: Asset Quality and Risk Management - Ningbo Bank maintained a non-performing loan (NPL) ratio of 0.76% and a provision coverage ratio of 389.35%, indicating strong asset quality [1][4]. - The bank's non-performing loan balance stood at 11.267 billion yuan, showcasing effective risk management practices [4]. - Capital adequacy ratios were robust, with a capital adequacy ratio of 15.32% and a core tier 1 capital ratio of 9.84% as of the end of 2024 [4]. Group 3: Strategic Initiatives - The bank has focused on diversifying its profit sources, establishing nine profit centers within its main operations and four in its subsidiaries [2]. - Ningbo Bank has emphasized a differentiated operational strategy, enhancing its service to small and medium enterprises and leveraging technology for ecosystem development [1][2]. - The bank's commitment to serving the real economy and adhering to financial principles has been highlighted as a core aspect of its operational strategy [3].