As a nationally systemically important bank and a top 100 global bank, Ningbo Bank has always adhered to the core principle of "professionalism creates value" and the fundamental principle of "treating customers with sincerity." During the wave of national financial reform and development in the "14th Five-Year Plan" period, it accurately anchored the strategic guidance of "five major articles"—technology finance, green finance, inclusive finance, pension finance, and digital finance—to precisely channel financial resources into the real economy. With professional responsibility, it interprets the social responsibility of state-owned financial institutions and writes a brilliant answer to high-quality development in the practice of serving national strategies and promoting economic transformation.
The "14th Five-Year Plan" period is a crucial period for my country's economy to shift from a stage of high-speed growth to a stage of high-quality development, and it is also a critical stage for the financial industry to deepen reforms and return to its core functions. Over the past five years, Ningbo Bank has firmly grasped the national strategic guidance, deeply integrated its own development into the overall economic and social development, solved development problems with differentiated operating strategies, and empowered service upgrades through digital transformation, achieving a synergistic leap in scale, efficiency, and quality.
Especially at the crucial juncture of 2025, the final year of the 14th Five-Year Plan, Ningbo Bank's operating performance reached new heights, with core operating indicators continuing to lead the industry: As of the end of September, total assets exceeded 3.5 trillion yuan for the first time, reaching 3,578.396 billion yuan, an increase of 14.50% from the beginning of the year, demonstrating strong asset expansion capabilities and comprehensive strength; in the first three quarters, net profit attributable to shareholders of the parent company reached 22.445 billion yuan, an increase of 8.39% year-on-year, maintaining a steady profit growth trend in a complex and severe internal and external operating environment.
While steadily growing in scale, Ningbo Bank has always adhered to its risk control bottom line, maintaining a leading position in asset quality within the industry. As of the end of September 2025, the non-performing loan ratio remained stable at 0.76%, unchanged from the beginning of the year; the loan loss provision ratio was 2.85%, and the provision coverage ratio was 375.92%, demonstrating its leading risk mitigation capabilities in the industry. Notably, since its listing in 2007, Ningbo Bank's non-performing loan ratio has remained below 1% for 18 consecutive years. This achievement not only strongly demonstrates Ningbo Bank's refined risk management capabilities but also lays a solid foundation for the bank to focus on business expansion and deepen financial services during the 14th Five-Year Plan period.
Fintech: Driving Innovation and Upgrading
Ningbo Bank actively responds to the national strategy of promoting technological innovation and cultivating new productivity, continuously improves its science and technology financial service system, and provides full-lifecycle financial services to technology-based enterprises by relying on organizational structure upgrades and ecosystem construction, thus helping enterprises develop.
In 2025, Ningbo Bank established a first-level department, the Science and Technology Finance Department, which, in conjunction with the Investment Banking Department and the Credit Management Department, provides full-lifecycle services for technology-based enterprises. Dedicated science and technology finance teams have been set up in key regions, staffed with professional personnel, to specifically support technology companies within those regions, improving the accuracy and coverage of services. Focusing on the core needs of science and technology innovation enterprises, the bank provides comprehensive, end-to-end, and professional services around four key areas: "capital chain, technology chain, industrial chain, and supply chain."
Building on this foundation, Ningbo Bank further explored innovative models, injecting more momentum into the development of science and technology innovation enterprises through new pathways of bank-government cooperation. Taking its Jiaxing branch as an example, the bank provided full guidance to Ganyao Town in Jiashan County in establishing an industrial fund structure, recommended strategic partner fund management companies, assisted in completing business registration and fund association filing, and successfully established the Jiashan Ganyao Yongying Equity Investment Fund with a total scale of 500 million yuan. Leveraging a nationwide pool of over 5,000 science and technology innovation enterprises, the bank provides local areas with precisely targeted project sources, increasing the project implementation success rate to over 50%, forming a closed-loop system of "fund investment - project implementation - park support - ecosystem empowerment - industrial transformation." To date, the Jiaxing branch has successfully assisted in the establishment and custody of 11 industrial funds with a total scale of 4.37 billion yuan in Jiashan, Pinghu, Tongxiang, and other areas, and successfully implemented 7 high-quality science and technology innovation projects.
Green finance: Supporting low-carbon transition
In recent years, Ningbo Bank has continuously improved its green finance system, supported the development of a green, low-carbon, and circular economy, and effectively enhanced the quality and efficiency of its green financial services. In the first half of 2025, Ningbo Bank continued to broaden its green financing channels, clarified exclusive preferential policies for green loans, and increased its support for key areas such as clean energy and energy conservation and environmental protection to meet the green transformation needs of enterprises. It also actively explored the application of financial technology in the field of green finance, upgraded its green finance management system, and ensured that all its business operations were adapted to new standards and requirements. Furthermore, it improved its environmental and social risk management system, leading the implementation of standardized green credit business management.
As of the end of June 2025, Ningbo Bank's outstanding green loans reached RMB 68.814 billion, an increase of RMB 18.27 billion from the beginning of the year; cumulative carbon emission reduction loans totaled RMB 1.59 billion, which can drive a total carbon emission reduction of 231,400 tons of CO2 equivalent. In the first half of the year, five new green bonds were issued, with an issuance amount of RMB 7 billion, of which Ningbo Bank underwrote RMB 200 million; investments were made in 57 green bonds, with a holding balance of RMB 2.626 billion.
Ningbo Bank's branches are leveraging their regional strengths to explore new models for green financial services. The Hangzhou branch launched a green finance business management system, incorporating ESG requirements into the entire lending process, innovating financial services related to energy use rights trading, and successfully disbursing its first carbon emission reduction loan.
The Huzhou branch focuses on new energy industries such as photovoltaics, providing customized financing solutions for companies such as Beisheng Green Energy. It reduces corporate financing costs through medium- and long-term preferential loans and foreign exchange services, empowers companies to expand their overseas customer base and declare carbon tariffs through the "Bobo Zhiliao" platform, and has established the "Photovoltaic Green Finance Alliance" in conjunction with government research institutions, forming a development pattern of "one characteristic per district".
The Wenzhou branch has built a "4+N" green finance product system and launched innovative businesses such as pollution discharge rights mortgage and public welfare forest compensation income rights pledge. As of the end of July 2025, it had cumulatively issued green loans of RMB 788 million, focusing on supporting photovoltaic, sewage treatment and other fields.
In the future, Ningbo Bank will continue to deepen green finance innovation, bridge the "last mile" of service delivery, and inject financial vitality into enterprises' green transformation and high-quality development.
Inclusive Finance: Nourishing the Development of All Industries
As a financial force deeply rooted in the real economy, Ningbo Bank adheres to its original mission of "finance for the people," practices the concept of inclusive finance with professional innovation, and injects continuous momentum into micro and small enterprises and regional development through diversified service models and digital platforms.
In the field of micro and small enterprise financial services, Ningbo Bank practices the "four specializations" model and has launched a number of targeted products. In the first half of 2025, the "Micro and Small Enterprise Loan" provided more than 38 billion yuan in credit support to over 20,000 micro and small enterprises. A tea factory in Yuyao obtained a 1.7 million yuan unsecured credit line through this program, resolving its funding problem for spring tea purchases. Products such as "Export Extreme Loan" and "Science and Technology Innovation Loan" are precisely matched to the needs of import and export enterprises and specialized and innovative enterprises. At the same time, the "Foreign Exchange Financial Manager" platform provides services to over 60,000 cross-border enterprises. An international freight company efficiently locked in freight rates through its "Shipping Express Remittance" function.
Specialized platforms have become important vehicles for benefiting the people and supporting businesses. The "Better Life" platform covers more than 20 consumption scenarios, serving over 260,000 users in Jiaxing, issuing over 160,000 coupons with a total discount amount exceeding 6.5 million yuan, and bringing customer traffic benefits to over 10,000 brand merchants nationwide. Among them, Longju Catering achieved cumulative sales exceeding 400,000 yuan through the platform. The ToB version further provides digital welfare procurement solutions, covering more than 10,000 products. The "Equipment Home" platform has served over 2,100 enterprises in Jiaxing, completing over 600 manufacturing services. Daohe Machinery expects to save over 2 million yuan in costs annually through this platform.
In addition, Ningbo Bank provides comprehensive services such as "carbon calculation and reporting" through the "Bobo Zhiliao" platform, and its "overseas service" platform covers nearly 30 countries and regions, providing all-round support for enterprises to cope with development challenges.
Pension Finance: Warmly Safeguarding Seniors
Based on the diversified and comprehensive financial service needs of the elderly customer group, and focusing on three core scenarios—the development of the elderly care industry, personal pension planning, and services for the elderly—Ningbo Bank continues to increase the supply of elderly financial services, building a comprehensive and multi-level elderly financial service system. It continuously improves the professionalism, inclusiveness, and convenience of its services, ensuring that the fruits of financial development truly benefit the vast number of elderly customers and wholeheartedly safeguarding their beautiful "golden years."
Since 2025, Ningbo Bank has continuously strengthened its financial support system for the elderly, achieving significant breakthroughs in key areas. In the elderly care industry, the bank has focused on the pain points of silver economy operators and industry clusters, increasing the allocation of credit resources and enhancing the precise effectiveness of financial support. As of the end of June, Ningbo Bank's outstanding elderly care loans reached 790 million yuan, a substantial increase of 273% compared to the beginning of the year, injecting strong momentum into the high-quality development of the elderly care industry.
In the area of personal pension planning, the bank has enriched its product offerings, with a total of 170 personal pension products available, comprehensively covering the risk preferences and investment needs of customers of different age groups, and providing diversified options for residents to accumulate retirement wealth.
Meanwhile, Ningbo Bank is deeply committed to serving the interests of its senior citizens and has taken multiple measures to strengthen its financial security. Through regular public awareness campaigns on preventing telecom fraud and combating illegal fundraising, the bank helps the elderly improve their risk identification abilities and safeguard their retirement savings. It also innovatively organizes diverse and convenient activities such as cultural performances, free medical consultations, and smart elderly assistance programs to effectively enhance the sense of gain, happiness, and security among senior citizens.
Digital Finance: Empowering the Real Economy
Adhering to the development concept of "systematization, digitalization, and intelligence," Ningbo Bank takes digital finance as its starting point and focuses on the "five major aspects" of financial services. Through product innovation, service upgrades, and model breakthroughs, it continuously enhances its ability to empower the real economy, demonstrating the responsibility and commitment of financial institutions.
Focusing on the full lifecycle needs of enterprises, Ningbo Bank continuously iterates its digital product system. In 2025, core products such as Kunpeng Treasury and Treasury Manager underwent a complete upgrade, building a service system covering multiple dimensions including consulting, business, and risk. The launch of Digital Human Resources 3.0 further helps enterprises achieve digital upgrades in human resource management, creating diversified value for customers. Addressing the pain points of foreign trade enterprises, its "Foreign Exchange Financial Manager" comprehensive service platform achieves full-process online operation, integrating over 200 functions. Relying on big data and artificial intelligence technologies, it provides 24/7 cross-border financial services and currently serves over 2,500 cross-border settlement enterprises in Jiaxing, winning market recognition with its efficient and convenient services.
Ningbo Bank's digital advantages are evident in its efforts to solve corporate financing difficulties. By leveraging its movable asset financing service platform, it successfully facilitated equipment-backed financing for manufacturing enterprises, transforming fixed assets into working capital and effectively alleviating the financial pressure on SMEs. More notably, the bank independently underwrote the nation's first intellectual property technology innovation asset-backed security, opening up new financing channels for eight science and technology innovation enterprises through an intellectual property pledge model, revitalizing 33 intellectual property rights, and helping these enterprises increase their R&D investment.
From product upgrades to service innovation, from targeted support for SMEs to assistance for the development of science and technology enterprises, Ningbo Bank is injecting a continuous stream of financial "vitality" into the real economy through digital finance.
Standing at the historical juncture of the successful conclusion of the 14th Five-Year Plan and the imminent commencement of the 15th Five-Year Plan, the financial industry faces new opportunities and challenges. Looking ahead to the 15th Five-Year Plan period, Ningbo Bank will continue to uphold its original mission of serving the people through finance, and with a higher perspective, broader vision, and more concrete measures, will earnestly implement the "Five Major Tasks" of finance. It will demonstrate its commitment through responsibility and create value through professionalism, achieving its own steady and sustainable development in serving national strategies and promoting high-quality economic and social development, thus contributing a more solid financial force to the comprehensive construction of a modern socialist country.
(Data source: Ningbo Bank)
