近日，在财经网2025年金融业年度评选中，宁波银行（002142）凭借在业绩表现、业务发展及书写金 融"五篇大文章"方面的优异表现，以及在金融领域持续深耕、创新发展的成果，获评"年度上市银行"。 2025年，作为"十四五"规划收官之年与"十五五"规划谋篇布局的关键交汇点，金融行业使命在肩、责任 重大。 站在新的历史起点，宁波银行坚持金融服务实体经济的初心和使命，始终秉持"金融为民"的理念，纵深 推进"四化五帮"金融服务体系，用实际行动书写金融助力实体经济高质量发展的新篇章。 综合实力筑牢行稳致远根基 荣誉背后，是该行深度践行金融工作政治性与人民性的坚守。该行紧扣国家战略导向，系统性推进科技 金融、绿色金融等"五篇大文章"，通过专业化服务与数字化创新，升级企业服务系统，搭建多元服务平 台，全方位赋能实体经济高质量发展，以全球百强银行的责任担当注入金融动能。 彰显金融企业"担当本色" 作为一家具有社会责任感的全国系统重要性银行，宁波银行始终坚守服务实体的初心。 在新时代的浪潮中，宁波银行积极响应国家号召，致力于做好金融"五篇大文章"，书写金融助力实体经 济高质量发展的新篇章。 2025年以来，面对银行业经营承压的 ...

在"十四五"规划收官与"十五五"规划启航的关键交汇点，中国金融业正以前所未有的深度与广度，做深 做实科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"。 2025年，围绕强化服务实体经济、深化金融科技融合、优化风险与结构等关键词，银行业与保险业全面 推进高质量发展与高水平对外开放，稳中求进、以进促稳，全面推进高质量发展与高水平对外开放，在 服务中国式现代化建设的新征程上奋楫前行。 站在新征程的起点，金融业仍需精准把控金融"活水"的流向，将资金和资源切实配置到国家鼓励的科 技、绿色、养老等关键领域。实现从"有"向"优"、从"广"向"精"的深刻转变，全力支持新质生产力的有 效发展，不仅要在量上保障供给，更要在质上实现飞跃。 保障民生 构建"产品+服务+生态"三重防护网 在社会经济体系中，保险扮演着经济减震器和社会稳定器的角色，通过市场化的产品和服务，可触达、 可感知、可持续地融入国民生活的每一天，是实现人民美好生活的重要支撑。 基于对政策导向与市场需求的深刻洞察，友邦人寿持续优化医疗险产品体系，推出"智选逸生"医疗保 险，主要基于对政策导向与市场需求的深刻洞察。这一产品采用"一个核心（基础住院保障和指 ...

小微企业是国民经济的"毛细血管"，承载着亿万市场主体的活力与韧性，也是稳就业、保民生、促创新 的重要基石。 普惠金融，润泽百业发展，是滴灌小微成长的源头活水。以"支持实体、服务中小"作为经营宗旨的宁波 银行（002142），始终将普惠金融置于全行发展战略的突出位置，以陪伴者的姿态、赋能者的角色、共 建者的视野，与万千小微企业并肩前行，助力实体经济高质量发展。 全周期护航小微企业发展壮大 长期以来，众多小微企业面临"轻资产、缺抵押"的融资梗阻，为了疏通这一堵点，宁波银行从小微企业 的实际经营场景出发，深入市场调研并创新推出"小微贷""容易贷""出口极贷""科创贷""订单贷"等一系 列纯信用信贷产品组合，打破传统信贷模式下对抵押物的过度依赖。 与此同时，该行还通过简化申请材料、落实专属优惠政策、推广无还本续贷等举措，切实降低小微企业 融资难度，让众多经营稳定的小微企业能够便捷地获得"源头活水"。 以财资大管家为例，作为国内资金管理标杆平台，财资大管家通过整合企业内部的财务系统、银行系统 以及其他相关系统，为企业提供跨银行、跨区域、跨分子公司的资金管理，极大地提升了资金使用效 率。 某新能源汽车运营服务商麾下拥有1 ...

作为全国系统重要性银行、全球百强银行，宁波银行始终以"专业创造价值"为内核，以"真心对客 户好"为底色，在"十四五"时期国家金融改革发展的浪潮中，精准锚定科技金融、绿色金融、普惠金 融、养老金融、数字金融"五篇大文章"战略导向，以金融活水精准滴灌实体经济，用专业担当诠释国有 金融机构的社会责任，在服务国家战略、推动经济转型的实践中书写了高质量发展的亮眼答卷。 "十四五"时期是我国经济由高速增长阶段转向高质量发展阶段的关键时期，也是金融行业深化改 革、回归本源的攻坚阶段。五年来，宁波银行牢牢把握国家战略导向，将自身发展深度融入经济社会发 展大局，以差异化经营策略破解发展难题，以数字化转型赋能服务升级，实现了规模、效益与质量的协 同跃升。 尤其在2025年这一"十四五"收官关键节点，宁波银行银行经营业绩再创新高，核心经营指标持续领 跑行业：截至9月末，资产总额首次突破3.5万亿元大关，达35783.96亿元，较年初增长14.50%，彰显了 强劲的资产扩张能力与综合实力；前三季度实现归属于母公司股东的净利润224.45亿元，同比增长 8.39%，在复杂严峻的内外部经营环境下保持了稳健的盈利增长态势。 在规模稳步增长 ...

Core Insights - The article highlights the innovative applications of AI large models and machine learning in financial risk control and intelligent investment advisory, demonstrating value through efficiency improvements and cost reductions, serving as a model for AI innovation in the industry [2] Awarded Institutions - China Bank Shenzhen Branch has developed an intelligent technology system covering core financial scenarios, enhancing risk management and operational efficiency through AI-driven solutions [3] - Ping An Insurance Group has significantly increased its investment in digitalization and AI, achieving core competitiveness in computing power, data, algorithms, and application scenarios, with over 2 billion customer service interactions handled by AI annually [3] - WeBank's AI capabilities span infrastructure, applications, and governance, featuring a self-developed AI engineering platform and intelligent wealth management services [4] - Ningbo Bank Shenzhen Branch plans to launch "Bobo Zhiliao" 2.0 in 2025, offering over 20 AI marketing services, including AI-generated short videos for enterprises [5] - Bosera Fund Management established an AI laboratory in 2023 and hosted the first financial industry large model competition, with its intelligent quantitative investment system receiving multiple awards [5] - Ant Consumer Finance pioneered an interactive self-proofing feature to identify fraud techniques, maintaining leading capabilities in fraud prevention accuracy and coverage [5]

Core Insights - Ningbo Bank Shaoxing Branch hosted a series of events titled "Face-to-Face with New Social Security Policies," attracting over a hundred representatives from manufacturing and private enterprises, focusing on strategic upgrades to the business environment for private enterprises under the "14th Five-Year Plan" [1] - The bank introduced a customized financial service solution called "Digital Human Resources 3.0," which integrates recruitment, attendance, performance, and payroll processes to address management pain points while enhancing risk prevention and efficiency [3] Group 1 - The events aimed to interpret policies and provide tailored financial services to support compliant and stable operations for enterprises [1] - A senior lawyer was invited to discuss four core scenarios related to social security contributions, wage payments, employment of older workers, and unilateral termination of labor contracts, offering practical solutions to mitigate risks [1] Group 2 - The "Digital Human Resources 3.0" system features online management of electronic contracts, significantly improving efficiency and reducing risks [3] - The "Bobo Zhiliao" platform focuses on cost reduction and efficiency enhancement for enterprises, offering 22+2 services, including labor contract revisions and employment subsidy applications [3] - The bank's initiatives are aligned with the national "14th Five-Year Plan," aiming to empower enterprise management and inject new momentum into regional economic development through technological finance [3]

Core Viewpoint - Ningbo Bank Shaoxing Branch is committed to providing targeted financial services to support small and micro enterprises, enhancing local economic vitality through various financial initiatives and policies [1][2][4]. Group 1: Financial Support for Small and Micro Enterprises - As of September 2025, Ningbo Bank Shaoxing Branch has issued a total of 10.594 billion yuan in inclusive loans to small and micro enterprises, with a year-to-date increase of 1.25 billion yuan, representing a growth rate of 15.3% [2]. - The bank has implemented a first-loan service to support youth entrepreneurship, visiting nearly 12,000 businesses in the third quarter of 2025 to provide tailored financial support [2]. - The bank has accelerated the implementation of the no-repayment renewal loan policy, with a balance of 4.168 billion yuan as of September 2025, reflecting a growth of 24.7% since the beginning of the year [3]. Group 2: Innovation and Collaboration - Ningbo Bank Shaoxing Branch has established a "finance + industry-university-research" service model to assist traditional enterprises in their transformation and upgrading, facilitating collaboration between businesses and educational institutions [4]. - The bank has introduced targeted activities to interpret policies and provide solutions for local enterprises, such as the "Social Security Face-to-Face" initiative, which addresses management challenges through policy interpretation and solution matching [4]. Group 3: Enhancing Consumer Engagement and Digital Solutions - To stimulate consumer market enthusiasm, the bank has organized special events like "Qiao Qiao Xiang Yue" and "Back to School Renewal" to enhance employee experiences and financial management efficiency [6]. - The bank has launched a "Digital Human Resources 3.0" solution to address common pain points in human resource management for traditional enterprises, focusing on efficiency and accuracy in processes such as attendance and payroll [6].

Core Viewpoint - Ningbo Bank has demonstrated robust performance amidst challenges in the banking sector, achieving steady growth through a differentiated operational strategy focused on service quality, digital transformation, and risk management [1][3][11]. Financial Performance - For the first half of 2025, Ningbo Bank reported operating income of 37.16 billion yuan, a year-on-year increase of 7.91%, and a net profit attributable to shareholders of 14.77 billion yuan, up 8.23% [1][4]. - As of June 30, 2025, the bank's total assets reached 3.47 trillion yuan, reflecting an 11.04% growth since the beginning of the year, with total loans and advances amounting to 1.67 trillion yuan, a 13.36% increase [1][3]. Asset Quality - The bank maintained a non-performing loan (NPL) ratio of 0.76%, consistent with the previous quarter, and a provision coverage ratio of 374.16%, which increased by 3.62 percentage points quarter-on-quarter, indicating strong risk management [1][4][5]. Dividend Policy - In 2025, Ningbo Bank announced its first interim dividend plan, distributing 3 yuan per 10 shares, totaling 1.98 billion yuan, reflecting its commitment to shareholder returns [2][6]. - Cumulatively, the bank has distributed approximately 37.79 billion yuan in cash dividends since its listing, exceeding the total funds raised through IPO and other equity financing [7]. Strategic Focus - The bank is shifting from a growth model based on rapid credit expansion to one focused on quality growth, adapting to the new economic environment and regulatory landscape [3][11]. - It has prioritized lending to key national support sectors and enhanced its service to the real economy, particularly in inclusive finance and green finance [4][10]. Technological Innovation - Ningbo Bank is leveraging financial technology to enhance service quality and efficiency, implementing a "fast approval and fast loan" model for small and micro enterprises, which significantly reduces loan processing times [9][10]. - The bank has upgraded its financial products and services to provide comprehensive solutions for businesses, focusing on digital management and customer-centric approaches [10][11].

Core Viewpoint - The company emphasizes the importance of a stable dividend mechanism as a means to convey operational confidence and strengthen the investment foundation in the market, reflecting its commitment to social responsibility and a mature capital market ecosystem [2] Group 1: Financial Performance - The company has maintained steady growth in operating performance despite various challenges, demonstrating its capability and willingness to distribute development dividends to investors through mid-term dividends [2] - As of June 30, 2025, the total assets reached 34,703.32 billion, an increase of 11.04% from the beginning of the year; total deposits were 20,764.14 billion, up 13.07%; and total loans and advances amounted to 16,732.13 billion, reflecting a growth of 13.36% [4] Group 2: Strategic Focus - The company focuses on the development vision of a smart bank, leveraging financial technology to drive business model upgrades and enhance its ability to serve the real economy, resulting in robust asset growth [3] - The company has upgraded several products to meet market demands, including the Kunpeng Treasury 2.0 and the Financial Manager 2025 version, enhancing their service systems to support digital management for enterprises [5] Group 3: Business Segments - The company operates nine profit centers, including corporate banking, retail banking, wealth management, and investment banking, with subsidiaries like Yongying Fund and Ningyin Consumer Finance contributing to sustainable growth [7] - The company has established a diversified profit center strategy, ensuring collaboration among its various business units for steady growth [7] Group 4: Risk Management - The company has improved asset quality and risk resistance through unified credit policies and an upgraded risk monitoring system, maintaining stable asset quality [12] - As of June 30, 2025, the non-performing loan balance was 12.688 billion, with a non-performing loan ratio of 0.76% and a provision coverage ratio of 374.16%, indicating strong risk management capabilities [14][15] Group 5: Future Outlook - The company anticipates a slowdown in the decline of net interest margins in the second half of 2025 due to improved asset allocation and liability structure optimization [9] - The company plans to continue focusing on risk management, implementing prudent credit policies, and enhancing its credit risk management processes to support key economic sectors [16]

Group 1 - The development of the silver economy is a strategic choice to address aging and an important driver for high-quality economic growth, with significant transformations occurring in the elderly care industry, including services, consumer goods, and smart healthcare [1] - Ningbo Bank's Shenzhen branch is focusing on both "personal financial services for the elderly" and "financial services for the elderly care industry," creating a dual-track innovative service model to support the growth of the silver economy [1] Group 2 - Shenzhen Kenqing Technology Co., Ltd. has developed an exoskeleton robot that assists elderly individuals in climbing, significantly reducing physical exertion by over 30% and enhancing their mobility experience [2] - Ningbo Bank's Shenzhen branch has tailored financial solutions to meet the needs of the elderly care industry, providing comprehensive services to over 3,000 quality tech enterprises, with a technology loan balance nearing 130 billion [2] Group 3 - Zhenluo Science focuses on neurodegenerative diseases, offering a digital medical solution that spans hospital treatment to home rehabilitation, improving the quality of life for patients with conditions like Parkinson's disease [3] - The bank's "Digital Human Resources 3.0" service aims to enhance organizational efficiency and talent development through a comprehensive digital management system, having completed over 200 corporate roadshows and signed contracts with over 70 companies [5] Group 4 - Shenzhen Delik Medical Electronics Co., Ltd. specializes in brain science and has developed a range of diagnostic and monitoring solutions for cerebrovascular diseases, collaborating with over 900 hospitals nationwide [6] - Ningbo Bank's Shenzhen branch is enhancing the elderly care industry by integrating financial and medical expertise, providing support in funding, industry development, policy, and management to tech enterprises [8] Group 5 - The bank emphasizes the importance of both safeguarding the elderly's well-being and nurturing emerging industries, committing to a dual strategy of "personal services + industry empowerment" to address the needs of the elderly [9]