Bank of Ningbo(002142)2025-01-03 08:25Group 1: Competitive Advantage - The bank adopts a differentiated business strategy to adapt to changes in the operating environment and accumulate comparative advantages for high-quality development [2] - Key strategies include: deepening the main business line for sustainable growth, strengthening professional operations to solidify core advantages, accelerating technological transformation to empower management, and maintaining a risk baseline for stable operations [2] Group 2: Loan Allocation - The bank focuses its loan allocation on advanced manufacturing, private small and micro enterprises, and import-export businesses to meet the financial service needs of clients in its operating region [2] Group 3: Risk Management - The bank adheres to the philosophy that "operating a bank is managing risks" and continuously improves a comprehensive risk management system that is inclusive of all personnel and processes [2] - Key measures include implementing a unified credit policy at the business entry level, conducting ongoing industry research for risk identification, and enforcing independent credit approval during the business approval process [2] Group 4: Investor Relations Activity - The investor relations activity involved thorough communication between company representatives and investors, adhering strictly to disclosure regulations without any significant undisclosed information leaks [2]