Core Viewpoint - In the first half of 2025, under the backdrop of China's economic recovery and deepening financial reforms, Ningbo Bank demonstrated resilience with a performance report characterized by "increased volume and stable quality" [1][3]. Financial Performance - As of June 2025, the total assets of Ningbo Bank exceeded 3.47 trillion yuan, reflecting a double-digit growth of 11.04% compared to the beginning of the year [3]. - The net profit attributable to shareholders reached 14.772 billion yuan, marking an 8.23% year-on-year increase, with profit growth outpacing revenue growth [1][4]. - The bank maintained a low non-performing loan ratio of 0.76% and a provision coverage ratio exceeding 370%, indicating strong asset quality [1][4]. Strategic Positioning - Ningbo Bank adopted a differentiated strategic approach by focusing on the Yangtze River Delta economic circle and establishing a "9+4" diversified profit center structure, which includes corporate banking, retail banking, wealth management, and consumer credit [1][5]. - The bank's risk management philosophy emphasizes that "operating a bank is managing risks," supported by a digital risk control system and intelligent early warning mechanisms [1][6]. Business Development - The bank's total deposits reached 2.08 trillion yuan, with a growth rate of 13.07%, significantly outpacing asset growth, indicating a solid core customer base and effective cost control [3]. - Loan and advance totals amounted to 1.673 trillion yuan, growing by 13.36%, reflecting a steady credit issuance pace without compromising risk preferences [3]. Profit Center Collaboration - The "9+4" profit center model enables the bank to leverage various business lines, including corporate banking, retail banking, wealth management, and consumer finance, to provide comprehensive solutions and maximize customer value [5][6]. - Subsidiaries such as Yongyin Fund and Ningyin Consumer Finance complement the main banking operations, enhancing overall business synergy and customer loyalty [5]. Technological and Risk Management - The bank's risk management integrates into all business processes, utilizing a digital risk control system for precise identification and real-time management of various risks [6]. - Technological advancements have transformed traditional support functions into core drivers of business model evolution, with investments in digital transformation and customer service enhancements [6]. Social Responsibility and Financial Inclusion - Ningbo Bank actively promotes five major financial initiatives, including technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning national strategies with its development [2][7]. - The bank has established a green loan balance of 68.814 billion yuan, with significant support for clean energy and environmental projects [8]. - In the inclusive finance sector, the bank has introduced innovative credit products to address the financing challenges faced by small and micro enterprises, achieving a balance of 214.343 billion yuan in inclusive loans [9]. Future Outlook - With ongoing macroeconomic recovery and deepening financial reforms, Ningbo Bank is well-positioned to further unlock growth potential and create long-term value for customers, employees, shareholders, and society [12].

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]

Core Viewpoint - Ningbo Bank is leveraging financial technology innovations to address the diverse financial needs of urban merchants and small businesses, enhancing their operational efficiency and supporting their digital transformation [2][4][6]. Group 1: Financial Technology Innovations - Ningbo Bank has developed the "Ningxing Cloud," the first cloud brand among domestic city commercial banks, utilizing cloud computing and distributed technology to provide professional and digital financial solutions [2][4]. - The "Ningxing Cloud" offers seven core products that cover the entire business management process, including comprehensive financial services such as fund management, foreign exchange, invoicing, payment, and payroll [4][5]. - The platform supports various service outputs, including standardized, customized, and private solutions, tailored to meet the specific needs of enterprises [4][5]. Group 2: Security and Efficiency - The two key features of "Ningxing Cloud" are efficiency and security, allowing businesses to access a full range of services with a single application, significantly improving operational efficiency [4][5]. - The platform is built with high-level security measures, ensuring that the data center meets the highest standards for network, server, operating system, and application system security [4][6]. Group 3: Comprehensive Product Matrix - Ningbo Bank has upgraded multiple core products since the launch of "Ningxing Cloud," creating a comprehensive digital service system that includes fund management, treasury services, human resources, and cross-border finance [5][6]. - The "Digital Human 3.0" system provides a comprehensive personnel management solution, enabling real-time monitoring of labor costs and efficiency for business owners [5]. - The "Treasury Service 2.0" has been enhanced to include a "6 Full" service system, covering all aspects of consulting, business, risk management, overseas connections, system openness, and user support [5][6]. Group 4: Cross-Border Financial Services - The "Foreign Exchange Manager" platform integrates over 200 functions to provide comprehensive services for more than 50,000 cross-border trade and investment enterprises, facilitating settlement, financing, and risk management [6]. - The mobile "Foreign Exchange Manager" app allows businesses to manage foreign exchange operations anytime and anywhere, marking a significant step in the digital transformation of cross-border enterprises [6]. Group 5: Future Outlook - Ningbo Bank aims to deepen its technological empowerment and connect more enterprises through cloud interactions, driving value creation and supporting the high-quality development of the real economy [6].

从破解小微企业融资难题到助力科技企业自立自强，从守护"银发经济"到润泽民营经济活力，宁波银行 以数字化为基、科技为翼，交出了一份"金融为民"的高质量发展答卷，为经济社会高质量发展注入持久 动能。 数字化驱动实体经济高质量发展 2023年中央金融工作会议首次将科技金融列为"五篇大文章"之首，凸显金融服务实体经济的战略方向。 2024年，中国人民银行等七部门联合印发《关于扎实做好科技金融大文章的工作方案》，进一步明确科 技金融的生态构建路径。 在此背景下，宁波银行率先行动，成立科技支行、科创企业部等专营机构，创新以"技术价值"为核心的 授信模式，为半导体、智能制造等科技型企业提供全生命周期支持。2024年，宁波银行通过协助一家半 导体企业搭建智能排产排程管理系统，实现全年新增产能价值8000万元，印证了"金融+科技"的倍增效 应。 随着全球产业链、供应链、价值链的深度重构，越来越多中国企业选择"走出去"，积极参与全球市场竞 争。如何更好地帮助"走出去"企业，让他们越走越顺、行稳致远，成为金融机构的一道必答题。 "财资大管家这个系统今年又更新了，真是一次比一次好用，降本增效很直接，每年最起码减少了几十 万元的支出。 ...