Bank of Ningbo(SZ:002142)2025-12-09 07:28Group 1: Asset Quality Outlook - The company anticipates maintaining a good asset quality level within the industry despite new challenges from economic cycles and external conditions [2] - It will focus on key areas and adhere to a risk management baseline, implementing prudent credit policies and enhancing risk monitoring through financial technology [2] Group 2: Loan Growth Sustainability - The company has been increasing its loan scale by focusing on key sectors such as private small and micro enterprises, manufacturing, and consumer spending [2] - Future loan growth is expected to continue as policies promoting domestic demand and consumption are released, effectively meeting the financing needs of the real economy [2] Group 3: Refinance and Internal Growth - The company aims to balance dividends with internal capital growth to ensure a solid capital foundation for sustainable business development [2] - Internal capital is expected to create greater value for the company, with ongoing efforts to enhance performance and provide returns to shareholders [2] Group 4: Compliance and Disclosure - During the investor relations activity, the company ensured full communication with investors and adhered to disclosure regulations, with no significant undisclosed information leaked [2]