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 ...

Core Insights - The forum focused on the transformation of financial management in the era of artificial intelligence, emphasizing the shift from traditional accounting to value creation and proactive risk management [1][2]. Group 1: Forum Overview - The "2025 Autumn Forum" was successfully held in Beijing, organized by the Chinese Institute of Certified Public Accountants, with a theme centered on "Deep Language Models (DeepSeek) and Penetrative Financial Management" [1]. - Keynote speeches highlighted the importance of deep learning models in reshaping financial management practices across various sectors, including state-owned enterprises and financial institutions [2][3]. Group 2: Key Presentations - Experts from different fields shared insights on the application of technology in financial risk management, with a focus on proactive measures rather than mere compliance [3][4]. - The presentations included practical applications of DeepSeek in financial scenarios such as intelligent reconciliation, risk warning, and cash flow forecasting [3][4]. Group 3: Roundtable Discussion - A roundtable discussion addressed the challenges and opportunities in AI-driven financial management, emphasizing the need for high-quality data and skilled professionals [5][6]. - Participants discussed the significance of contract-based cash flow management in enhancing overall funding efficiency within organizations [6]. Group 4: Future Directions - The forum concluded with a call for continued collaboration among industry peers to leverage deep learning technologies for greater value creation in financial management [7]. - Ningbo Bank expressed its commitment to fostering partnerships and developing a new ecosystem for intelligent finance in the era of big models [7].

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].

Core Viewpoint - The digital wave and technological innovation are driving banks to break traditional service boundaries and promote inclusive financial services, with Ningbo Bank actively responding to national strategies through digitalization and technology empowerment [1][2]. Digital Transformation and Financial Services - Ningbo Bank has established specialized institutions such as technology branches and innovation departments to support technology-driven enterprises, providing full lifecycle support for sectors like semiconductors and intelligent manufacturing [2]. - The bank's "Financial Manager" system has been updated to enhance efficiency and reduce costs for enterprises, demonstrating the effectiveness of digital financial solutions [3][4]. Inclusive Finance Initiatives - Ningbo Bank focuses on providing convenient, efficient, and low-cost financing services for small and micro enterprises, addressing their financing challenges and promoting sustainable development [5][6]. - The bank's inclusive finance loan balance reached 219.94 billion yuan by the end of 2024, serving over 277,800 clients, with a decrease in interest rates by 0.6 percentage points compared to the beginning of the year [7]. Elderly Finance Development - The bank is actively developing its elderly finance business, offering a comprehensive system that includes pension finance, elderly service finance, and elderly industry finance, with over 163 products launched to support retirement planning [8]. - Ningbo Bank has provided over 1 billion yuan in credit to support smart elderly care equipment procurement and community elderly care center construction [8]. Conclusion - Ningbo Bank is committed to transforming policy guidance into tangible benefits for the public, focusing on digital empowerment to support national strategies and contribute to common prosperity [8].