The storylines故事线
Click a development’s source links to open the original article.点击进展下方的来源链接可打开原文。
Information disclosure ratings信息披露评级
3 · 2024-01-04 → 2025-11-04
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Receiving 'A' ratings in information disclosure assessments from the stock exchange.在交易所信息披露评估中获得'A'评级。
2024-01-04Shenzhen Stock Exchange awarded Ningbo Bank the highest A-level information disclosure rating for the 15th consecutive year, with only 296 out of 1,489 listed companies receiving A.深圳证券交易所授予宁波银行连续第15年信息披露最高A级评价，1489家上市公司中仅296家获A。
2024-10-15Bank of Ningbo receives highest 'A' rating in Shenzhen Stock Exchange information disclosure evaluation for the 16th consecutive year.宁波银行连续第16年获深圳证券交易所信息披露工作最高评级‘A’级。
2025-11-04Bank of Ningbo received the highest 'A' rating in information disclosure assessment for the 17th consecutive year, ranking among six firms with such a record.宁波银行连续第17年获信息披露考核最高评级'A'级，位列6家连续17年稳居A类评级的公司之一。
Deposit & structured deposit subscriptions存款及结构性存款认购
2 · 2024-01-11 → 2025-10-14
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Subscriptions of structured deposits and other deposit products by corporate clients.企业客户认购结构性存款及其他存款产品。
2024-01-11Xintai Medical (02291) subscribed RMB 30 million and RMB 70 million in principal-guaranteed structured deposits from Ningbo Bank (Beijing and Shanghai branches).心泰医疗(02291)向宁波银行(北京分行、上海分行)认购合计1亿元保本结构性存款。
2025-10-14Yinuo Pharmaceutical-B (02591.HK) subscribed to a structured deposit product from Bank of Ningbo with a principal amount of RMB 105 million.银诺医药-B（02591.HK）向宁波银行认购本金总额1.05亿元的结构性存款产品。
Branch network optimization网点优化调整
44 · 2024-01-12 → 2026-06-11
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Continuous upgrades, closures, relocations, and new openings of sub-branches across provinces.持续进行各分支行的升级、关闭、迁址及新设。
2024-01-12National Financial Regulatory Administration Ningbo Bureau approved the upgrade and renaming of Ningbo Bank Binjiang Community Sub-branch to Ningbo Bank Yaojiang New City Sub-branch.国家金融监督管理总局宁波监管局批准宁波银行滨江社区支行升格更名为宁波银行姚江新城支行。
2024-01-19National Financial Regulatory Administration Ningbo Bureau approved the upgrade of Ningbo Bank Yangliuju Community Sub-branch to Ningbo Bank Yangliuju Sub-branch.国家金融监督管理总局宁波监管局批准宁波银行杨柳郡社区支行升格为宁波银行杨柳郡支行。
2024-01-31Ningbo Bank stated it has achieved full coverage of Zhejiang Province and has branches in Beijing, Shanghai, Shenzhen, Nanjing, Suzhou, Wuxi; future focus on sub-branch expansion to large communities and strong towns.宁波银行表示已实现浙江省内经营区域全覆盖，并在北京、上海、深圳、南京、苏州、无锡等省外设有分行，未来重点推动网点下沉至大型社区和强乡重镇。
2024-02-02National Financial Regulatory Administration Ningbo Bureau approved the closure of Ningbo Bank Yinzhou East Sub-branch, with business merged into Qiu'ai Sub-branch.国家金融监督管理总局宁波监管局批准宁波银行鄞东支行终止营业，业务归并至邱隘支行。
2024-03-04Bank of Ningbo closed its Hangzhou Tangqi小微 comprehensive sub-branch, with financial license cancelled, approved by Zhejiang Financial Regulatory Bureau.宁波银行杭州塘栖小微综合支行终止营业，金融许可证注销，经浙江金融监管局批准。
2024-03-13Bank of Ningbo received approval from Beijing Financial Regulatory Bureau to open its Beijing Xicheng sub-branch, located at No. 22 Yard, Million Zhuang Street, Xicheng District.宁波银行北京西城支行获北京金融监管局批准开业，地址位于西城区百万庄大街22号院。
2024-05-22Bank of Ningbo received regulatory approval to open a new sub-branch in Shanghai's Bund area (Shanghai Waitan Sub-branch), located at 88 Zhongshan Dong Er Road, Huangpu District.宁波银行获准新设上海外滩支行，营业地址为上海市黄浦区中山东二路88号。
2024-06-25Bank of Ningbo's Taizhou Xianju Small Micro Comprehensive Sub-branch was approved by the financial regulator to be upgraded and renamed as 'Bank of Ningbo Taizhou Xianju Sub-branch'.宁波银行台州仙居小微综合支行获金融监管总局批准升格并更名为'宁波银行股份有限公司台州仙居支行'。
2024-06-27Bank of Ningbo's Huzhou Anji Small Micro Comprehensive Sub-branch was approved by the financial regulator to be upgraded and renamed as 'Bank of Ningbo Huzhou Anji Sub-branch'.宁波银行湖州安吉小微综合支行获金融监管总局批准升格为'宁波银行股份有限公司湖州安吉支行'。
2024-07-04Bank of Ningbo Huzhou Nanxun Shuanglin small-micro sub-branch approved to terminate operations; business transferred to Huzhou Nanxun sub-branch.宁波银行湖州南浔双林小微专营支行获批终止营业，业务转至湖州南浔支行。
2024-07-12Bank of Ningbo Jinhua Wucheng small-micro enterprise sub-branch approved to upgrade to Jinhua Wucheng sub-branch.宁波银行金华婺城小微企业专营支行获批升格为金华婺城支行。
2024-07-19Bank of Ningbo Hangzhou Qiaosi small-micro comprehensive sub-branch changed its business address to Linping District, Hangzhou.宁波银行杭州乔司小微综合支行营业场所变更为杭州市临平区。
2024-07-21Bank of Ningbo Hangzhou Liangzhu small-micro enterprise sub-branch changed its business address to Yuhang District, Hangzhou.宁波银行杭州良渚小微企业专营支行营业场所变更为杭州市余杭区。
2024-08-27Ningbo Bank announced that its Xiapu Sub-branch has relocated and been renamed as 'Gangcheng Sub-branch', with the new address at Mingzhou Road, Beilun District, Ningbo, approved by the local financial regulatory bureau.宁波银行公告，霞浦支行迁址并更名为“港城支行”，新址位于宁波市北仑区明州路，经宁波金融监管局审核通过。
2024-10-21Beijing Financial Regulatory Bureau approves the opening of Bank of Ningbo Beijing Fangshan Sub-branch at a specified location.北京金融监管局批复同意宁波银行北京房山支行开业，营业场所位于北京市房山区悦盛路1号院。
2024-11-07Bank of Ningbo Hangzhou Xihu sub-branch changed business premises to No. 511 Yan'an Road, Gongshu District, Hangzhou, approved by Zhejiang Financial Regulatory Bureau.宁波银行杭州西湖支行营业场所变更为杭州市拱墅区延安路511号，经浙江金融监管局批准。
2024-11-15Bank of Ningbo Cixi Zhongxing community sub-branch upgraded and renamed to Cixi Baishalu sub-branch, approved by Ningbo Financial Regulatory Bureau.宁波银行慈溪中兴社区支行升格并更名为慈溪白沙路支行，经宁波金融监管局批准。
2024-11-22Bank of Ningbo Shiqiao sub-branch terminated operations, financial license cancelled, approved by Ningbo Financial Regulatory Bureau.宁波银行师桥支行终止营业，金融许可证注销，经宁波金融监管局批准。
2024-11-28Bank of Ningbo Cixi Chengnan community sub-branch upgraded and renamed to Xinchenghe sub-branch, premises moved to Mingzhou Road, Cixi, approved by Ningbo Financial Regulatory Bureau.宁波银行慈溪城南社区支行升格并更名为新城河支行，营业场所迁至慈溪明州路，经宁波金融监管局批准。
2024-11-28Bank of Ningbo Wenzhou Yueqing Hongqiao small-micro comprehensive sub-branch terminated operations, financial licence cancelled, approved by Wenzhou Financial Regulatory Bureau.宁波银行温州乐清虹桥小微综合支行终止营业，金融许可证注销，经温州金融监管分局批准。
2024-11-28Bank of Ningbo Wenzhou Puyuan community sub-branch terminated operations, financial licence cancelled, approved by Wenzhou Financial Regulatory Bureau.宁波银行温州蒲源社区支行终止营业，金融许可证注销，经温州金融监管分局批准。
2024-12-13Regulator approved closure of Ningbo Bank Jiaxing Jingkai Funan Community Sub-branch.监管批复同意宁波银行嘉兴经开府南社区支行终止营业。
2024-12-27Regulator approved closure of Ningbo Bank Yuyao Mingwei Sub-branch and Dongchen Sub-branch.监管批复同意宁波银行余姚明伟支行、东陈支行终止营业。
2025-01-07Bank of Ningbo received approval from the National Financial Regulatory Administration (NFRA) Zhoushan Supervision Branch to establish a new sub-branch in Daishan, Zhoushan, with the approval date of January 6, 2025.宁波银行获国家金融监督管理总局舟山监管分局批准，新设舟山岱山支行，批准成立日期为2025年1月6日。
2025-01-08Bank of Ningbo received approval from the NFRA Lishui Supervision Branch to upgrade the Lishui Longquan Small & Micro Comprehensive Sub-branch to Lishui Longquan Sub-branch; the financial license has been changed.宁波银行获国家金融监督管理总局丽水监管分局批准，将丽水龙泉小微综合支行升格为丽水龙泉支行，金融许可证已变更。
2025-01-20Bank of Ningbo announced that the business premises of Shaoxing Paojiang Small & Micro Comprehensive Sub-branch have been relocated to Doumen Street, Yuecheng District, Shaoxing, as approved by the NFRA Shaoxing Supervision Branch.宁波银行公告，经国家金融监督管理总局绍兴监管分局审核通过，绍兴袍江小微综合支行营业场所变更为浙江省绍兴市越城区斗门街道。
2025-03-10Bank of Ningbo Shanghai Jinqiao Sub-branch relocated business premises to No. 3501 Zhangyang Road, Pudong New Area, Shanghai, as approved by the financial regulator.宁波银行上海金桥支行营业场所迁至上海市浦东新区张杨路3501号，经金融监管总局上海监管局核准。
2025-03-18Bank of Ningbo Nanjing New City Science and Technology Park Sub-branch officially opened, located in Jianye District, focusing on digital economy and tech innovation services.宁波银行南京新城科技园支行正式开业，位于建邺区，专注数字经济与科创金融服务。
2025-03-20Regulator approved the opening of Bank of Ningbo Huzhou Changhe District Sub-branch at No. 56, 58, 60 Xincheng Road, Sian Town, Changxing County, Zhejiang Province.监管批复同意宁波银行湖州长合区支行开业，营业场所为浙江省湖州市长兴县泗安镇新城路56号、58号、60号。
2025-04-22Bank of Ningbo Hangzhou branch renamed three outlets: Liangzhu SME sub-branch to Yuhang Xincheng SME sub-branch, Chengbei sub-branch to Gongshu sub-branch; Baochu sub-branch changed its business premises address.宁波银行杭州分行三家网点变更：良渚小微企业专营支行更名为余杭新城小微企业专营支行，城北支行更名为拱墅支行；保俶支行变更营业场所。
2025-06-05Ningbo regulator approved the closure of three Bank of Ningbo sub-branches: Shuangdongfang, Yangliuju, and Insurance Technology Park, with business merged into nearby branches.宁波监管局批复同意宁波银行双东坊支行、杨柳郡支行、保险科技产业园支行终止营业，业务归并至附近支行。
2025-06-05Ningbo regulator approved the upgrade of Baiyun Community Sub-branch to Baiyun Sub-branch, with new business scope and premises in Haishu District.宁波监管局批复同意宁波银行白云社区支行升格为白云支行，营业场所迁至海曙区环城西路。
2025-06-25Regulators approved the closure of Bank of Ningbo Jinhua Yongkang Gushan Micro & Small Comprehensive Sub-branch (June 23) and Wenzhou Wuma Community Sub-branch (June 17), continuing branch optimization.监管批复同意宁波银行金华永康古山小微综合支行（6月23日）和温州五马社区支行（6月17日）终止营业，持续优化网点布局。
2025-07-25Ningbo Bank's Guisi sub-branch (贵驷支行) in Ningbo ceased operations and its financial license was cancelled, approved by the local financial regulator.宁波银行贵驷支行经宁波金融监管局审核通过终止营业，金融许可证已注销。
2025-08-12Bank of Ningbo's Quzhou Qujiang small & micro comprehensive sub-branch was upgraded to a full sub-branch (Quzhou Qujiang Sub-branch), approved by the Quzhou Regulatory Office of the National Financial Regulatory Administration.宁波银行衢州衢江小微综合支行升格为衢州衢江支行，获国家金融监督管理总局衢州监管分局批准。
2025-12-09Ningbo Bank announced the closure of the Central Garden Community Sub-branch, with its financial license cancelled, approved by the Ningbo Financial Regulatory Bureau.宁波银行公告中央花园社区支行终止营业，金融许可证注销，经宁波金融监管局批准。
2025-12-23Ningbo Bank announced the closure of the Tianyijiayuan Community Sub-branch, with its financial license cancelled, approved by the Ningbo Financial Regulatory Bureau.宁波银行公告天一家园社区支行终止营业，金融许可证注销，经宁波金融监管局批准。
2025-12-25Ningbo Bank announced the opening of a new Huzhou City Sub-branch (Huzhou Chengzhong Sub-branch), approved by the Huzhou Financial Regulatory Bureau.宁波银行公告新设湖州城中支行，经湖州金融监管分局核准。
2026-01-04Bank of Ningbo closed its Taizhou Wenling Daxi小微 comprehensive sub-branch, with the financial license cancelled, effective from the approval date.宁波银行台州温岭大溪小微综合支行终止营业，金融许可证已注销。
2026-01-07Bank of Ningbo relocated its Hangzhou Chengdong sub-branch to a new address: No. 1-101 (part) and Room 201, Building 1, Xinshidai Plaza, Fengqi East Road, Shangcheng District, Hangzhou.宁波银行杭州城东支行营业场所迁至杭州市上城区四季青街道凤起东路新城时代广场1幢101（部分）、201室。
2026-01-14Bank of Ningbo received approval to open its Hangzhou Jiangnan小微 comprehensive sub-branch in Xiaoshan District, Hangzhou, with business scope authorized by the superior institution.宁波银行获批在杭州萧山区开设杭州江南小微综合支行，业务范围由上级机构授权。
2026-01-22Bank of Ningbo upgraded and renamed its Beilun Gaohetang community sub-branch to Yongjiang Science and Technology Innovation Sub-branch (甬江科创支行), effective upon regulatory approval.宁波银行北仑高河塘社区支行升格并更名为甬江科创支行。
2026-04-28Bank of Ningbo Shenzhen Hongli sub-branch relocated and renamed to Shenzhen Liuxiandong sub-branch, with address changed to Nanshan District, Shenzhen.宁波银行深圳红荔支行迁址并更名为深圳留仙洞支行，营业场所变更为深圳市南山区。
2026-06-11Ningbo Financial Regulatory Bureau approved the closure of Ningbo Bank Binjiang Xincheng Sub-branch, with business transferred to Yongjiang Kechuang and Economic-Technical Development Zone sub-branches.宁波金融监管局同意宁波银行滨江新城支行终止营业，业务归并至甬江科创支行和经济技术开发区支行。
Legal disputes & lawsuits法律纠纷与诉讼
5 · 2024-01-13 → 2024-12-16
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Involvement in various lawsuits, disputes, and court judgments.涉及多起诉讼、纠纷及法院判决。
2024-01-13A copyright ownership dispute lawsuit against Ningbo Bank was withdrawn by the plaintiff (Sun Moumou) as per court ruling (2023) Zhe 0212 Min Chu 13616.原告孙某某诉宁波银行著作权权属纠纷案，经宁波市鄞州区法院裁定准许撤诉。
2024-01-26Two financial loan contract disputes involving Ningbo Bank as plaintiff were withdrawn by court order in Shizhu Tujia Autonomous County (cases (2023) Yu 0240 Min Chu 5338 and 5339).宁波银行作为原告的两起金融借款合同纠纷案，经石柱土家族自治县法院裁定准许撤诉。
2024-08-15Ningbo Bank added 2 court lawsuits on August 15, 2024: one execution case for loan contract dispute in Rudong County People's Court, and one civil appeal for financial loan contract dispute in Wuxi Intermediate People's Court.宁波银行8月15日新增2件法院诉讼：一件为如东县人民法院的借款合同纠纷执行案件，另一件为无锡市中级人民法院的金融借款合同纠纷民事上诉案件。
2024-09-14Bank of Ningbo wins a court judgment in a house lease dispute against Ningbo Yinzhou Guokang Hospital, ordering the defendant to vacate premises and pay rent of 3.13 million yuan plus违约金 595,000 yuan.宁波银行在房屋租赁合同纠纷案中胜诉，判令被告宁波鄞州国康医院腾退房屋并支付租金313万元及违约金59.5万元。
2024-12-16Ningbo Bank Shenzhen Branch was ordered by Supreme People's Court to pay Xiamen Bank 950M yuan in principal plus违约金 for a disputed commercial acceptance bill; Ningbo Bank later fulfilled the judgment.最高法判决宁波银行深圳分行向厦门银行支付9.5亿元票据本金及违约金；宁波银行已履行判决。
Related-party transactions关联交易
1 · 2024-01-18
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Signing unified transaction agreements with subsidiaries and approving related-party transaction limits.与子公司签署统一交易协议并批准关联交易限额。
2024-01-18Ningbo Bank signed 2024 Unified Transaction Agreements with four subsidiaries: Yongying Fund (RMB 73.6B), Yongying Financial Leasing (RMB 8.2B), Ningyin Wealth Management (RMB 152.25B), and Zhejiang Ningyin Consumer Finance (RMB 5B).宁波银行与旗下四家子公司签订2024年《统一交易协议》，涉及永赢基金736亿元、永赢金租82亿元、宁银理财1522.5亿元、宁银消金50亿元。
Green finance & ESG initiatives绿色金融与ESG举措
8 · 2024-01-19 → 2026-07-20
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Green loans, ESG awards, and sustainable finance initiatives.绿色贷款、ESG奖项及可持续金融举措。
2024-01-19Ningbo Bank Huzhou Branch issued RMB 288 million in mine restoration project loans as the bank's first green finance pilot branch, supporting ecological restoration and creating 1,000+ jobs.宁波银行湖州分行作为首家绿色金融试点行，发放2.88亿元矿山修复项目贷款，带动近3亿元产值和1000多人就业。
2024-07-16Bank of Ningbo provided RMB 250 million loan for Ningbo future community urban project, and RMB 100 million green loan for Shaoxing kitchen-waste energy company.宁波银行发放2.5亿元贷款支持宁波未来社区城市项目，投放1亿元绿色贷款支持绍兴餐厨环保能源公司。
2024-10-15Bank of Ningbo ranks 8th in city commercial bank ESG comprehensive performance TOP20 with an A grade, and its 'Quick Review Quick Loan' project is selected as an ESG inclusive finance case.宁波银行在城商行ESG综合表现TOP20中排名第八，获评A级；‘快审快贷’项目入选ESG普惠金融实践案例。
2024-12-04Ningbo Bank won the 'ESG Financial Innovation Award' at the 2024 Cailianshe ESG Financial Forum for its green finance practices supporting clean energy and energy conservation.宁波银行在2024年财联社ESG金融论坛上荣获“ESG金融创新奖”，表彰其支持节能环保、清洁能源等绿色金融实践。
2024-12-24Ningbo Bank Xiangshan Branch launched 'carbon inventory'-linked financing, tying loan terms to borrowers' carbon reduction performance, as part of transition finance pilot.宁波银行象山支行推出“碳盘查”挂钩融资业务，将贷款条件与企业碳减排表现挂钩，作为转型金融试点。
2025-05-08Bank of Ningbo subsidiary Yongying Financial Leasing deployed 7.3 billion yuan since 2024 in green finance products including 'Sunshine Lease', 'Energy Storage Lease', and 'Station Easy Lease' for photovoltaic, charging piles, and new energy vehicles.宁波银行子公司永赢金租自2024年以来通过“阳光租”“储能租”“站易租”等绿色金融产品累计投放资金73亿元，投向光伏、充电桩、新能源汽车等领域。
2025-06-24Bank of Ningbo's 2024 ESG report showed green loan balance exceeded CNY 50.5 billion, up CNY 16.4 billion year-on-year; carbon-reduction loans累计投放 over CNY 1.3 billion, expected to reduce carbon emissions by over 200,000 tonnes.宁波银行2024年ESG报告显示绿色贷款余额突破505亿元，较年初新增164亿元；碳减排贷款累计投放超13亿元，预计带动碳减排量逾20万吨。
2026-07-20Bank of Ningbo's green loan balance reached 64.69 billion yuan at end-2025, up 29% from the start of the year, exceeding the bank's overall loan growth of 17.43%; targets doubling green loans by end-2028 from 2023 base.宁波银行2025年末绿色贷款余额达646.9亿元，较年初增长29%，超过全行贷款17.43%的平均增速；目标到2028年末绿色贷款规模在2023年基础上翻倍。
Software copyright registrations软件著作权登记
14 · 2024-01-22 → 2025-09-02
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Registration of numerous new software copyrights for internal systems and apps.为内部系统和应用程序登记大量新软件著作权。
2024-01-22Ningbo Bank registered four new software copyrights: Corporate Credit Line Management System V1.0, Low-Code Development Platform V1.0, RPA Operations Platform V1.0, and Wealth Middle-Office Trading Center System V1.0.宁波银行新注册4项软件著作权：《对公额度管理系统V1.0》《低代码开发平台V1.0》《RPA运营平台V1.0》《财富中台交易中心系统V1.0》。
2024-02-07Ningbo Bank registered software copyright for 'Ningbo Bank Treasury Grand管家 Windows Desktop Software V1.0.3.0'.宁波银行新注册《宁波银行财资大管家windows桌面版软件V1.0.3.0》软件著作权。
2024-04-13Ningbo Bank registered a new software copyright for 'Ningbo Bank Personal Mobile Banking APP (Android) V2.5.0'. In 2024 YTD, the bank has registered 6 software copyrights.宁波银行新注册《宁波银行个人掌上银行APP（安卓版）2.5.0》软件著作权。2024年以来共新注册软件著作权6个。
2024-04-30Ningbo Bank registered a new software copyright for 'Interbank Easy Manager System V1.0' (同业易管家系统). In 2024 YTD, the bank has registered 18 software copyrights, up 1700% YoY.宁波银行新注册《同业易管家系统V1.0》软件著作权。2024年以来共新注册软件著作权18个，较去年同期增加1700%。
2024-07-16Bank of Ningbo registered new software copyright 'Ningbo Bank Analysis Center System V1.0'; total 19 software copyrights registered in 2024, up 1800% YoY.宁波银行新注册《宁波银行分析中心系统V1.0》软件著作权，2024年已注册19个，同比增加1800%。
2024-08-12Ningbo Bank registered a new software copyright 'Ningbo Bank Industrial Fund and Project Management System V1.0', bringing total new software copyrights in 2024 to 20, a 1900% increase YoY.宁波银行新注册《宁波银行产业基金和项目管理系统V1.0》软件著作权，2024年累计新注册20个，同比增长1900%。
2024-09-10Bank of Ningbo registers new software copyright 'Bank of Ningbo APP (HarmonyOS version) V7.4.3'; total 21 new software copyrights registered year-to-date, up 2000% YoY.宁波银行新注册《宁波银行APP（HarmonyOS版）V7.4.3》软件著作权；今年以来新注册21个软件著作权，同比增长2000%。
2024-12-12Ningbo Bank registered new software copyright for 'Bobo Knows APP (IOS) V1.4.0', bringing 2024 total to 23, up 666.7% YoY.宁波银行新注册《波波知了APP(IOS)V1.4.0》软件著作权，2024年累计23个，同比增加666.7%。
2024-12-24Ningbo Bank registered new software copyright for 'Supply Chain Bill RPA Management Platform V1.0', bringing 2024 total to 24, up 700% YoY.宁波银行新注册《供应链票据RPA管理平台V1.0》软件著作权，2024年累计24个，同比增加700%。
2025-05-26Bank of Ningbo registered 3 new software copyrights: 'Bank of Ningbo Mobile Banking APP (HarmonyOS version) 3.0.0', 'Bank of Ningbo Certificate of Deposit Management System V1.0', and 'Corporate Channel Middle-Office Foreign Exchange Center System V1.0'.宁波银行新注册3项软件著作权：《宁波银行掌上银行APP（鸿蒙版）3.0.0》、《宁波银行存单管理系统V1.0》、《对公渠道中台外汇中心系统V1.0》。
2025-06-16Bank of Ningbo registered 11 new software copyrights, including systems for business association management, microservices, special bond fund management, large-amount fund monitoring, asset management, and treasury multi-bank exchange.宁波银行新注册11项软件著作权，包括商协之家管理系统、星云微服务平台、专项债资金管理系统、大额资金监控预警系统等。
2025-06-17Bank of Ningbo registered 2 new software copyrights: Cloud Bill System V1.0 and AI Fusion Middle Platform System V1.0.宁波银行新注册2项软件著作权：云账单系统V1.0和人工智能融合中台系统V1.0。
2025-08-21Bank of Ningbo registered two new software copyrights: 'Digital HR APP (iOS) 1.0.0' and 'Digital HR APP (Android) 1.0.0'; total 22 new software copyrights registered in 2025, up 10% YoY.宁波银行新注册2项软件著作权：《数字人力APP（苹果版）1.0.0》和《数字人力APP（安卓版）1.0.0》；2025年累计新注册22项，同比增加10%。
2025-09-02Bank of Ningbo registered a new software copyright for 'Digital Human Resources Platform Web Version 1.0.0'; total 23 new software copyrights in 2025, up 15% YoY.宁波银行新注册《宁波银行数字人力平台网页版1.0.0》软件著作权；2025年以来共新注册23个软件著作权，较去年同期增加15%。
Strategic partnerships & cooperation agreements战略合作与协议
20 · 2024-01-25 → 2026-06-18
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Signing of strategic cooperation agreements with various companies, governments, and institutions.与多家企业、政府及机构签署战略合作协议。
2024-01-25Ningbo Bank signed a strategic cooperation agreement with Sikuli (Siku Lìfāng) to jointly upgrade and transform the financial services ecosystem, leveraging Sikuli's 'Yinqiyun' platform connecting 1,500+ banks.宁波银行与司库立方签署战略合作协议，合力推进金融服务生态系统升级与转型，司库立方'银企云'平台已连接超1500家银行。
2024-05-09Bank of Ningbo Beijing Daxing District government signed a strategic cooperation agreement covering digital platforms (Bozhizhiliao), digital systems for land/project management, investment attraction, and state-owned enterprise financing.宁波银行与北京市大兴区政府签署战略合作协议，涉及波波知了企业服务平台、土地项目管理等数字化系统、招商引资及国企融资合作。
2024-07-12Bank of Ningbo President Zhuang Lingjun visited Kunlun Trust; discussed strategic cooperation on standard products, product distribution, industry-finance projects, custody, and digital platform.宁波银行行长庄灵君拜访昆仑信托，讨论标品投资、产品代销、产融项目、托管、数字化平台等战略合作。
2024-08-12Ningbo Bank signed a strategic cooperation agreement with Hundsun Technologies (600570) to jointly explore innovation in large models, big data, high-performance computing, blockchain, digital currency, and信创, and to deepen cooperation in wealth management, asset custody, payment settlement, and financial markets.宁波银行与恒生电子签署战略合作协议，共同在大模型、大数据、高性能计算、区块链、数字货币、信创等领域探索联合创新，并在财富管理、资产托管、支付结算、金融市场等领域深化合作。
2024-09-05Ant Group and Bank of Ningbo reach strategic cooperation in six areas including retail credit, digital payments, wealth management, and tech innovation, jointly exploring large models, big data, blockchain, digital currency, and Xinchuang; they plan to establish an innovation lab.蚂蚁集团与宁波银行达成战略合作，在零售信贷、数字支付、财富管理、科技创新等六大领域深化合作，联合探索大模型、大数据、区块链、数字货币、信创等领域，并计划建立创新实验室。
2024-09-05Bank of Ningbo Beijing Branch signs a cooperation memorandum with China E-port Data Center Beijing Sub-center to enhance data sharing and financial services for import/export enterprises.宁波银行北京分行与中国电子口岸数据中心北京分中心签署合作备忘录，加强数据共享，为进出口企业提供便利金融服务。
2024-09-06Lexin (LX.US) signs strategic cooperation agreement with Bank of Ningbo and Ningyin Consumer Finance in fintech, technology exploration, and business innovation.乐信与宁波银行、宁银消金签署战略合作协议，在金融科技、技术探索、业务创新等方面开展深度合作。
2024-10-15Bank of Ningbo Nanjing branch signs strategic cooperation agreement with Nanjing Lishui Economic Development Zone, launches 'Equipment Home' one-stop platform for industrial equipment upgrades.宁波银行南京分行与南京溧水经济开发区管委会签署战略合作协议，发布‘设备之家’一站式工业设备更新服务平台。
2024-10-25Bank of Ningbo and NSFOCUS discuss deepening strategic cooperation on financial digital transformation and cybersecurity.宁波银行与绿盟科技就深化银企合作、金融数字化转型及网络安全进行交流。
2024-11-14Bank of Ningbo held a strategic exchange with NSFOCUS (300369) on fintech innovation, cybersecurity, and financial support for tech enterprises.宁波银行与绿盟科技（300369）就金融科技创新、网络安全及金融支持科技企业进行战略交流。
2024-11-25Bank of Ningbo Shanghai branch signed a strategic cooperation agreement with Shanghai Social Medical Institution Association to provide customized financial solutions for member units.宁波银行上海分行与上海市社会医疗机构协会签订战略合作协议，为会员单位提供定制化金融解决方案。
2024-12-18Ningbo Bank held strategic cooperation seminar and signed strategic cooperation agreement with Lianhe Credit Management Co., covering rating, green assessment, ESG, and credit system building.宁波银行与联合信用管理有限公司召开战略合作研讨会并签署战略合作协议，涉及评级、绿色环评、ESG、信评体系等。
2025-05-13Bank of Ningbo signed a 2025 digital transformation strategic cooperation agreement with Marketingforce (02556.HK), an AI+SaaS marketing and sales solutions provider, to explore digital financial services and precision marketing.宁波银行与迈富时（02556.HK）达成2025年度数智化转型战略合作，共同探索数智化金融服务和精准营销新模式。
2025-06-04Bank of Ningbo signed a 2025 strategic cooperation on digital and intelligent transformation with Marketingforce (02556), China's largest marketing and sales SaaS provider, to explore digital financial services and precision marketing.宁波银行与迈富时（02556）达成2025年度数智化转型战略合作，共同探索数智化金融服务和精准营销新模式。
2025-07-07Ningbo Bank signed a strategic cooperation agreement with BAIWANG (百望股份), a data-driven AI company, to collaborate on fintech and inclusive finance, leveraging financial business agents.宁波银行与数据驱动的人工智能公司百望股份签署战略合作协议，在金融科技、普惠金融等领域合作，利用金融业务智能体赋能。
2025-11-14Bank of Ningbo signed a strategic cooperation agreement with Zhaopin Recruitment and JobsDB to support Chinese enterprises' overseas talent recruitment and compliance services.宁波银行与智联招聘、JobsDB签署战略合作协议，共同支持中国企业海外人才招聘与合规用工服务。
2026-01-22Bank of Ningbo signed a strategic cooperation agreement with Suzhou High-tech Zone Management Committee to jointly support AI industry development, with a focus on 'AI+' integration and comprehensive financial services.宁波银行与苏州高新区管委会签订战略合作协议，共同支持人工智能产业发展和“人工智能+”融合。
2026-01-30Bank of Ningbo Suzhou Branch signed a cooperation agreement with Duke Kunshan University, unveiling the 'Bank of Ningbo Meeting Room' to explore bank-school collaboration.宁波银行苏州分行与昆山杜克大学签署合作协议，并揭幕“宁波银行会议室”，探索银校协同新模式。
2026-06-04Ningbo Bank co-hosted with Beijing Financial Asset Exchange (BFAE) a bond market exchange meeting in Kunshan to support new quality productive forces, with 60+ enterprises and 20+ investors attending.宁波银行与北金所在昆山联合举办银行间债券市场助力新质生产力交流会，60多家企业和20多家投资机构参与。
2026-06-18Ningbo Bank Beijing Branch was selected as a second-batch service partner for the 'He Yi · High-Quality Going Global' initiative by the Beijing Foreign-Invested Enterprises Association.宁波银行北京分行入选北京外商投资企业协会“合一·高质量出海”第二批服务合作伙伴。
ESG & green initiativesESG与绿色金融
2 · 2024-01-25 → 2026-06-05
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Environmental, social, and governance reports and initiatives, including green finance and blue finance for the marine economy.环境、社会和治理报告及倡议，包括绿色金融和海洋经济蓝色金融。
2024-01-25Ningbo Bank Zhoushan Branch established a 'Blue Finance Department' to provide equity, debt, and loan services for marine economy, supporting modern ocean city construction.宁波银行舟山分行设立'蓝色金融部'，为海洋经济提供股、债、贷一揽子金融服务，助力现代海洋城市建设。
2026-06-05Ningbo Bank released its 2025 ESG report, the 17th consecutive social responsibility report, highlighting green finance, digital transformation, and inclusive finance.宁波银行发布2025年度ESG报告，连续第17份社会责任报告，展示绿色金融、数字变革和普惠金融实践。
Capital & shareholder actions资本与股东行动
49 · 2024-02-02 → 2026-08-19
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Capital injections, bond issuances, redemptions, dividends, and shareholder stake changes.资本注入、债券发行与赎回、分红及股东持股变动。
2024-02-02National Financial Regulatory Administration approved Ningbo Bank to inject CNY 1 billion into Yongying Financial Leasing, raising its registered capital to CNY 7 billion.国家金融监督管理总局批准宁波银行向永赢金融租赁增资10亿元，注册资本增至70亿元。
2024-02-07Ningbo Bank board approved a capital injection of up to CNY 1.5 billion into Zhejiang Ningyin Consumer Finance Co., Ltd.宁波银行董事会批准向浙江宁银消费金融股份有限公司增资不超过15亿元。
2024-02-19Shareholder Youngor Fashion accumulated 42.67 million shares (0.65% of total) via block trades, exceeding its minimum target of 20 million shares, raising stake to 10.00%.股东雅戈尔时尚累计增持4267.09万股（占总股本0.65%），超过最低目标2000万股，持股比例升至10.00%。
2024-04-09Ningbo Bank announced a capital increase for its subsidiary Zhejiang Ningyin Consumer Finance Co., Ltd. (Ningyin Xiaojin). The bank will contribute RMB 1.226 billion, and Ningbo Financial Holding Co., Ltd. will also participate. Post-increase, registered capital will reach RMB 4.5 billion, with Ningbo Bank's stake diluted to 75.33%.宁波银行公告拟对子公司浙江宁银消费金融股份有限公司（宁银消金）增资，公司出资12.26亿元，宁波市金融控股有限公司共同参与。增资后注册资本预计增至45亿元，宁波银行持股比例降至75.33%。
2024-04-22Ningbo Bank issued RMB 3.5 billion of interbank certificates of deposit (2024 027th tranche) at a price of 99.8457 yuan, with a reference yield of 1.88%.宁波银行发行2024年第027期同业存单，计划发行量35亿元，实际认购量35亿元，发行价格99.8457元，参考收益率1.88%。
2024-05-16Yongor (雅戈尔) completed its share buyback plan, cumulatively increasing holdings by 42.6709 million shares (0.65% of total equity) via Shenzhen Stock Exchange from 2023-11-16 to 2024-05-16.雅戈尔完成增持计划，自2023年11月16日至2024年5月16日通过深交所累计增持宁波银行4267.09万股（占总股本0.65%）。
2024-05-16Bank of Ningbo issued CNY 14 billion of 10-year Tier-2 capital bonds (callable after 5 years) at a coupon rate of 2.50% to replenish Tier-2 capital.宁波银行发行140亿元10年期二级资本债券（第5年末附发行人赎回权），票面利率2.50%，用于补充二级资本。
2024-07-02Bank of Ningbo announced 2023 annual cash dividend: RMB 0.60 per 10 shares, total RMB 3.962 billion, ex-dividend date July 10.宁波银行公布2023年度现金分红：每10股派6元，合计39.62亿元，除权除息日7月10日。
2024-07-15Bank of Ningbo fully redeemed its 2019-issued RMB 10 billion subordinated tier-2 capital bonds at par on the 5th anniversary.宁波银行全额赎回2019年发行的100亿元二级资本债券，按面值在第5年末赎回。
2024-07-18Bank of Ningbo issued RMB 50 million 6-month interbank CD with yield 1.95% (24 Ningbo Bank CD094).宁波银行发行0.5亿元6个月期同业存单，发行收益率1.95%（24宁波银行CD094）。
2024-08-29Ningbo Bank received approval from Ningbo Financial Regulatory Bureau for a capital instrument issuance quota of up to 13 billion yuan, valid for 24 months, allowing the bank to decide on instrument type, timing, and tranche.宁波银行收到宁波金融监管局批复，同意其资本工具计划发行额度不超过130亿元人民币，可在24个月内自主决定工具品种、发行时间、批次和规模。
2024-09-24Bank of Ningbo issues 10 billion yuan of Tier-2 capital bonds (2024 second tranche), 10-year fixed rate with issuer call option at year 5, coupon rate 2.17%.宁波银行发行100亿元二级资本债券（2024年第二期），10年期固定利率，第5年末附发行人赎回权，票面利率2.17%。
2024-10-16Independent director Li Hao plans to sell up to 41,250 shares (0.0006% of total) via centralized竞价 from 2024-11-07 to 2025-02-06 for personal funding needs.独立董事李浩计划在2024年11月7日至2025年2月6日期间以集中竞价方式减持不超过4.125万股（占总股本0.0006%），原因为个人资金需求。
2024-10-28Bank of Ningbo board approves resolution to distribute dividends on second tranche of preference shares (Ninghang You 02) at a rate of 4.50%, totaling 450 million yuan.宁波银行董事会审议通过第二期优先股（宁行优02）股息发放议案，票面股息率4.50%，总额4.5亿元。
2024-11-11Bank of Ningbo announced first preferred stock (Ninghang You 01, code 140001) dividend distribution: 4.68 yuan per share (4.68% rate), total 227 million yuan, record date Nov 15, payment Nov 18.宁波银行公告第一期优先股（宁行优01，代码140001）股息发放：每股4.68元（股息率4.68%），合计2.27亿元，股权登记日11月15日，发放日11月18日。
2024-12-20Ningbo Bank board approved 2025 related-party transaction limits, 2025-2027 medium-term capital plan, and 2025-2027 shareholder return plan; first extraordinary general meeting of 2025 scheduled for Jan 6.宁波银行董事会审议通过2025年日常关联交易预计额度、2025-2027年中期资本规划及股东回报规划；2025年第一次临时股东大会定于1月6日召开。
2025-01-06Bank of Ningbo's 2025 first extraordinary general meeting approved the proposal on the estimated amount of daily connected transactions for 2025.宁波银行2025年第一次临时股东大会审议通过了关于2025年日常关联交易预计额度的议案。
2025-01-15Bank of Ningbo signed a 2025 Unified Transaction Agreement with its subsidiaries, covering asset custody, agency sales of products, and entrusted asset management, with non-credit transaction limits of 19.76 billion yuan, 8.2 billion yuan, 137.905 billion yuan, and 4 billion yuan respectively.宁波银行与旗下子公司签订2025年《统一交易协议》，涵盖资产托管、代理销售产品、委托资产管理等业务领域，非授信类交易限额分别为197.6亿元、82亿元、1379.05亿元和40亿元。
2025-02-05Independent director Li Hao reduced 10,000 shares at 26.44 yuan/share via block trade on January 27, 2025, totaling 264,400 yuan.独立董事李浩于2025年1月27日通过竞价交易减持1万股，成交均价26.44元/股，减持金额26.44万元。
2025-02-07Independent director Li Hao completed share reduction plan, cumulatively selling 15,000 shares (0.0002% of total shares).独立董事李浩减持计划实施完毕，累计减持1.5万股（占总股本0.0002%）。
2025-02-10Ningbo Financial Regulatory Bureau approved Ningyin Consumer Finance's capital increase from 2.911 billion yuan to 3.6 billion yuan; Bank of Ningbo's stake will rise to 94.17%.宁波金融监管局批复宁银消金注册资本从约29.11亿元增至36亿元；宁波银行持股比例将升至94.17%。
2025-02-21Board of Directors approved the issuance of financial bonds (specific amount not disclosed).董事会审议通过发行金融债券的议案（具体金额未披露）。
2025-03-14Bank of Ningbo completed capital increase for subsidiary Zhejiang Ningyin Consumer Finance Co., Ltd. (Ningyin Xiaojin), raising registered capital from 2.911 billion yuan to 3.6 billion yuan; Bank of Ningbo's stake rose to 94.17%.宁波银行完成对子公司浙江宁银消费金融的增资，注册资本从29.11亿元增至36亿元，宁波银行持股比例升至94.17%。
2025-03-27Bank of Ningbo issued 2025 first tranche of subordinated tier-2 capital bonds on the interbank bond market: 8.9 billion yuan, 10-year fixed rate at 2.18%, with issuer call option at year 5, proceeds to supplement tier-2 capital.宁波银行在全国银行间债券市场发行2025年第一期二级资本债券：规模89亿元，10年期固定利率2.18%，第5年末附发行人赎回权，募集资金用于补充二级资本。
2025-04-03Huabao Trust (华宝信托) reduced its holding of Bank of Ningbo's preferred shares 'Ningxing You 02' (宁行优02) from 22.78% to 12.72% during Nov 12, 2024 to Apr 1, 2025, selling 10.06 million shares.2024年11月12日至2025年4月1日期间，华宝信托持有的宁波银行“宁行优02”比例由22.78%下降至12.72%，减持1006万股。
2025-04-09Bank of Ningbo 2024 profit distribution plan: total cash dividend of 5.943 billion yuan, payout ratio 22.77%, lower than 30% due to capital retention for regulatory requirements (Systemically Important Bank rules, Capital Management Measures).宁波银行2024年度利润分配预案：现金分红总额59.43亿元，分红率22.77%，低于30%系因留存资本以满足系统重要性银行附加监管规定和资本管理办法等监管要求。
2025-05-1275.82 million restricted shares (1.15% of total) held by Oversea-Chinese Banking Corporation (OCBC) will become tradable on May 16, 2025, after a 5-year lock-up period from a 2020 private placement.新加坡华侨银行持有的7582万股限售股（占总股本1.15%）将于2025年5月16日上市流通，该股份来自2020年非公开发行，锁定期5年。
2025-06-13Bank of Ningbo disclosed plans to issue up to CNY 45 billion in capital bonds to strengthen its capital base, and confirmed a 2024 dividend of CNY 0.9 per 10 shares.宁波银行披露计划发行不超过450亿元资本类债券以增强资本基础，2024年度每10股派发现金红利9元。
2025-07-16Ningbo Bank completed the 2024 annual cash dividend distribution: RMB 0.9 per share (pre-tax), totaling approximately RMB 5.943 billion, with record date July 15 and ex-dividend date July 16.宁波银行完成2024年度现金红利派发：每10股派发现金红利9元（含税），合计约59.43亿元，股权登记日7月15日，除权除息日7月16日。
2025-08-11Bank of Ningbo fully redeemed its 10B yuan subordinated tier-2 capital bonds issued in August 2020, exercising the issuer's call option at the 5th anniversary.宁波银行全额赎回2020年8月发行的100亿元二级资本债券，于第5个计息年度末行使发行人赎回选择权。
2025-08-28Bank of Ningbo announced 2025 interim dividend plan: 3 yuan (tax incl.) per 10 shares, total 1.981B yuan, representing 13.41% of attributable net profit.宁波银行公告2025年中期利润分配预案：每10股派发现金红利3元（含税），总额19.81亿元，占归母净利润13.41%。
2025-08-28Bank of Ningbo announced first-ever interim dividend: 3 yuan per 10 shares (tax incl.), total payout 1.981 billion yuan.宁波银行宣布首次中期分红：每10股派发现金红利3元（含税），合计派发19.81亿元。
2025-10-13Bank of Ningbo announced the redemption of all 100 million shares of its 'Ninghang You 02' preference shares (code 140007), totaling RMB 10 billion, to be executed on November 7, 2025, with a dividend payment for the period from November 7, 2024 to November 6, 2025.宁波银行公告赎回全部1亿股'宁行优02'优先股（代码140007），总规模100亿元，于2025年11月7日执行，并支付2024年11月7日至2025年11月6日持有期间的股息。
2025-10-27Bank of Ningbo's board of directors approved the payment of cash dividends on preference shares: RMB 4.68 per share (pre-tax) for 'Ninghang You 01' (code 140001) totaling ~RMB 227 million, and RMB 4.5 per share (pre-tax) for 'Ninghang You 02' (code 140007) totaling RMB 450 million.宁波银行董事会批准优先股股息派发：'宁行优01'（代码140001）每股4.68元（含税），合计约2.27亿元；'宁行优02'（代码140007）每股4.5元（含税），合计4.5亿元。
2025-11-05Bank of Ningbo announced full redemption of 100 million non-public perpetual preferred shares (Ninghang You 02) at 104.5 yuan per share, totaling 10.45 billion yuan, effective November 7, 2025.宁波银行宣布全额赎回1亿股非公开发行优先股（宁行优02），赎回价104.5元/股，合计104.5亿元，于2025年11月7日生效。
2025-11-07Bank of Ningbo completed redemption of Ninghang You 02 preferred shares, paying 10.45 billion yuan to shareholders; total preferred shares reduced from 148.5 million to 48.5 million.宁波银行完成宁行优02优先股赎回，向股东支付104.5亿元；优先股总数从1.485亿股降至4850万股。
2025-11-12Bank of Ningbo announced dividend payment for first tranche preferred shares (Ninghang You 01) at 4.68 yuan per share (4.68% dividend rate), totaling 226.98 million yuan, record date November 14, 2025.宁波银行公告第一期优先股（宁行优01）每股派息4.68元（股息率4.68%），合计2.2698亿元，股权登记日2025年11月14日。
2025-11-17Bank of Ningbo adjusted dividend rate for Ninghang You 01 preferred shares to 3.25% for the third interest period, effective November 17, 2025, based on 5-year government bond yield (1.59%) plus fixed spread (1.66%).宁波银行将宁行优01优先股第三计息周期股息率调整为3.25%，自2025年11月17日起生效，基于五年期国债收益率1.59%加固定利差1.66%。
2025-11-18Bank of Ningbo disclosed in investor Q&A that Q3 2025 net asset per share decline was due to issuance of 10 billion yuan perpetual bonds in September 2025, classified as other equity instruments.宁波银行在投资者问答中披露，2025年三季度每股净资产下降系因2025年9月发行100亿元永续债，计入其他权益工具。
2025-11-21Bank of Ningbo proposed 2025 interim dividend of 3 yuan per 10 shares (total 1.981 billion yuan), representing 13.41% of H1 net profit attributable to parent (14.772 billion yuan).宁波银行拟2025年中期每10股派发现金红利3元（合计19.81亿元），占上半年归母净利润147.72亿元的13.41%。
2025-12-10Ningbo Bank implemented the 2025 interim equity distribution: a total cash dividend of approximately RMB 1.981 billion (RMB 0.3 per share, tax included), with the record date on December 16 and ex-dividend date on December 17.宁波银行实施2025年半年度权益分派：合计派发现金红利约19.81亿元（每10股派3元，含税），股权登记日为12月16日，除权除息日为12月17日。
2025-12-17Ningbo Bank stated in an investor Q&A that it will prioritize internal capital growth over refinancing due to regulatory policy, aiming to enhance performance and shareholder returns.宁波银行在投资者调研中表示，鉴于再融资监管政策要求，将优先依靠内源性资本增长，努力提升业绩，为股东创造更多回报。
2026-02-26Bank of Ningbo board approved a valuation enhancement plan, as stock price traded below book value per share for 12 consecutive months in 2025; plan focuses on governance, value creation, and dividend commitment.宁波银行董事会通过估值提升计划，因2025年股价连续12个月低于每股净资产；计划聚焦治理、价值创造和分红承诺。
2026-05-152025 dividend: 12 yuan per 10 shares (total 7.924B yuan), payout ratio 27.99%, third consecutive year of increase; cumulative dividend increase of 100% from 2023.2025年分红：每10股派12元（合计79.24亿元），分红率27.99%，连续第三年提升；较2023年累计增幅达100%。
2026-05-28Issued 16 billion yuan perpetual subordinated bonds (first tranche 2026) at 1.97% coupon for first 5 years, to replenish Additional Tier-1 capital.发行160亿元无固定期限资本债券（2026年第一期），前5年票面利率1.97%，用于补充其他一级资本。
2026-06-08Ningbo Bank redeemed in full its 6 billion yuan tier-2 capital bond issued in June 2021, exercising the issuer's redemption option on the 5th anniversary.宁波银行全额赎回了2021年6月发行的60亿元二级资本债券，在第5个计息年度最后一日行使了发行人赎回选择权。
2026-07-08Bank of Ningbo announced its 2025 annual dividend plan: 1.2 yuan per 10 shares (including 0.3 yuan interim), totaling 7.924 billion yuan, a record high, with a payout ratio of 27.01%, up from 21.91% in 2024.宁波银行公布2025年度权益分派方案：每10股派发现金红利12元（含税，其中中期已派3元），合计派现79.24亿元，创历史新高，股利支付率提升至27.01%，较2024年的21.91%持续提升。
2026-07-13Bank of Ningbo exercised the issuer redemption option and fully redeemed its 3.5 billion yuan tier-2 capital bond issued in July 2021 on the 5th anniversary date (July 12, 2026).宁波银行行使赎回权，于2026年7月12日（第5个计息年度最后一日）按面值全额赎回了2021年7月发行的35亿元二级资本债券。
2026-08-19Bank of Ningbo announced 2026 interim dividend of RMB 4.00 per 10 shares (tax inclusive), total RMB 2.641bn, payout ratio 15.95% of H1 net profit.宁波银行公布2026年中期利润分配方案：每10股派发现金红利4元（含税），总额26.41亿元，占上半年归母净利润的15.95%。
Annual & quarterly financial results年度及季度业绩
29 · 2024-02-07 → 2026-08-19
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Regular reporting of annual, semi-annual, and quarterly financial performance.定期发布年度、半年度及季度财务业绩。
2024-02-07Ningbo Bank released 2023 annual results: revenue CNY 61.584 billion (+6.40% YoY), net profit CNY 25.535 billion (+10.66% YoY), NPL ratio 0.76% (up 1bp), provision coverage 461.36% (down 43.54pp).宁波银行发布2023年度业绩快报：营业收入615.84亿元（同比+6.40%），净利润255.35亿元（同比+10.66%），不良贷款率0.76%（上升0.01个百分点），拨备覆盖率461.36%（下降43.54个百分点）。
2024-04-09Ningbo Bank announced 2023 annual results: revenue RMB 61.585 billion (+6.40% YoY), net profit attributable to parent RMB 25.535 billion (+10.66% YoY), EPS RMB 3.75. Proposed cash dividend of RMB 6.00 per 10 shares (total RMB 3.962 billion). NPL ratio 0.76%, provision coverage 461.04%, capital adequacy ratio 15.01%.宁波银行公布2023年年报：营业收入615.85亿元（同比+6.40%），归母净利润255.35亿元（同比+10.66%），基本每股收益3.75元。拟每10股派发现金红利6元（合计39.62亿元）。不良贷款率0.76%，拨备覆盖率461.04%，资本充足率15.01%。
2024-04-29Ningbo Bank released 2024 Q1 results: revenue RMB 17.509 billion (+5.78% YoY), net profit attributable to parent RMB 7.013 billion (+6.29% YoY). Total assets RMB 2.888 trillion (+6.51% vs end-2023). NPL ratio stable at 0.76%, provision coverage 431.63%.宁波银行发布2024年一季报：营业收入175.09亿元（同比+5.78%），归母净利润70.13亿元（同比+6.29%）。总资产2.888万亿元（较年初+6.51%）。不良贷款率0.76%，拨备覆盖率431.63%。
2024-05-01Bank of Ningbo reported 2024Q1 results: revenue +5.78% YoY, net profit attributable to parent +6.29% YoY, net interest margin 1.90% (up 2bp QoQ), total assets CNY 2,888.2 billion, loans +24.8% YoY driven by corporate lending.宁波银行公布2024年一季报：营收同比增长5.78%，归母净利润同比增长6.29%，净息差1.90%（环比上升2bp），总资产2.8882万亿元，贷款同比增长24.8%，由对公贷款拉动。
2024-08-28Ningbo Bank released 2024 semi-annual report: revenue 34.437 billion yuan (+7.13% YoY), net profit attributable to parent 13.649 billion yuan (+5.42% YoY), total assets 3.033744 trillion yuan (+11.88% vs start of year, first time above 3 trillion), NPL ratio 0.76%, provision coverage 420.55%.宁波银行发布2024年半年报：营业收入344.37亿元（同比+7.13%），归母净利润136.49亿元（同比+5.42%），总资产30337.44亿元（较年初+11.88%，首次突破3万亿），不良贷款率0.76%，拨备覆盖率420.55%。
2024-09-02Bank of Ningbo releases 2024 semi-annual report: revenue 34.437 billion yuan, +7.13% YoY; net profit attributable to parent 13.649 billion yuan, +5.42% YoY; total assets exceed 3 trillion yuan for the first time, reaching 3.033744 trillion yuan, +11.88% from beginning of year; NIM 1.87%; NPL ratio 0.76%; provision coverage 420.55%.宁波银行发布2024年半年报：营业收入344.37亿元，同比增长7.13%；归母净利润136.49亿元，同比增长5.42%；总资产首次突破3万亿元，达3.033744万亿元，较年初增长11.88%；净息差1.87%；不良贷款率0.76%；拨备覆盖率420.55%。
2024-10-28Bank of Ningbo reports Q3 2024 results: net profit attributable to shareholders in Q3 was 7.058 billion yuan, up 10.25% YoY; 9-month revenue 50.753 billion yuan, up 7.45% YoY; 9-month net profit 20.707 billion yuan, up 7.02% YoY; NPL ratio 0.76%.宁波银行发布2024年三季报：第三季度归母净利润70.58亿元，同比增长10.25%；前三季度营业收入507.53亿元，同比增长7.45%；归母净利润207.07亿元，同比增长7.02%；不良贷款率0.76%。
2024-11-01Bank of Ningbo released 2024 Q3 report: total assets exceeded 3 trillion yuan, revenue 50.753 billion yuan (+7.45% YoY), net profit 20.707 billion yuan (+7.02% YoY), NPL ratio 0.76%.宁波银行发布2024年三季报：总资产突破3万亿元，营业收入507.53亿元（同比+7.45%），净利润207.07亿元（同比+7.02%），不良贷款率0.76%。
2024-12-06Ningbo Bank reported 9M2024 results: revenue 50.753B yuan (+7.45% YoY), net profit 20.707B yuan (+7.02% YoY).宁波银行公布2024年前三季度业绩：营业收入507.53亿元（同比+7.45%），归母净利润207.07亿元（同比+7.02%）。
2025-02-05Bank of Ningbo released 2024 annual results: revenue 66.632 billion yuan (+8.20% YoY), net profit 27.127 billion yuan (+6.23% YoY), total assets 3.125 trillion yuan (+15.25% YoY), NPL ratio 0.76% flat, provision coverage 389.25% (-71.79pp), capital adequacy 15.32% (+0.31pp).宁波银行发布2024年度业绩快报：营业收入666.32亿元（同比+8.20%），净利润271.27亿元（同比+6.23%），总资产3.125万亿元（同比+15.25%），不良贷款率0.76%（持平），拨备覆盖率389.25%（-71.79个百分点），资本充足率15.32%（+0.31个百分点）。
2025-03-03Bank of Ningbo reported 2024 annual results: operating revenue 66.632 billion yuan, up 8.20% YoY; net profit attributable to parent 27.127 billion yuan, up 6.23% YoY; total assets 3,125.166 billion yuan, up 15.25% YoY; loans 1,476.063 billion yuan, up 17.83% YoY; deposits 1,836.346 billion yuan, up 17.24% YoY; basic EPS 3.95 yuan, up 5.33% YoY.宁波银行发布2024年业绩：营业收入666.32亿元，同比增长8.20%；归母净利润271.27亿元，同比增长6.23%；总资产31,251.66亿元，同比增长15.25%；贷款1,476.063亿元，同比增长17.83%；存款1,836.346亿元，同比增长17.24%；基本每股收益3.95元，同比增长5.33%。
2025-04-09Bank of Ningbo released 2024 annual report: revenue 66.631 billion yuan (+8.19% YoY), net profit attributable to parent 27.127 billion yuan (+6.23% YoY), total assets 3.125232 trillion yuan (+15.25% YoY), NPL ratio 0.76%, proposed cash dividend of 9 yuan per 10 shares (tax incl.).宁波银行发布2024年年报：营业收入666.31亿元（同比+8.19%），归母净利润271.27亿元（同比+6.23%），总资产3.125232万亿元（同比+15.25%），不良贷款率0.76%，拟每10股派发现金红利9元（含税）。
2025-04-28Bank of Ningbo released 2025 Q1 report: net profit attributable to parent 7.417 billion yuan (+5.76% YoY), revenue 18.495 billion yuan (+5.63% YoY), total assets 3.396035 trillion yuan (+8.67% from start of year), NPL ratio 0.76% (flat), provision coverage 370.54%.宁波银行发布2025年一季报：归母净利润74.17亿元（同比+5.76%），营业收入184.95亿元（同比+5.63%），总资产3.396035万亿元（较年初+8.67%），不良贷款率0.76%（持平），拨备覆盖率370.54%。
2025-05-02Bank of Ningbo Q1 2025 results: total assets 3.40 trillion yuan (+17.58% YoY), loans +20.91% YoY, deposits +20.23% YoY, net interest margin 1.80% (-6bps QoQ), net new loans in Q1 162 billion yuan (+48.8% YoY).宁波银行2025年一季度业绩：总资产3.40万亿元（同比+17.58%），贷款同比+20.91%，存款同比+20.23%，净息差1.80%（环比-6bp），一季度贷款净新增1620亿元（同比+48.8%）。
2025-05-06Bank of Ningbo Q1 2025 revenue 18.495 billion yuan (+5.63% YoY), net profit 7.417 billion yuan, surpassing Beijing Bank in revenue to rank second among city commercial banks.宁波银行2025年一季度营收184.95亿元（同比+5.63%），净利润74.17亿元，营收超越北京银行，位列城商行第二。
2025-05-08Bank of Ningbo 2024 annual report: revenue 66.632 billion yuan (+8.2% YoY), net profit 27.127 billion yuan (+6.23% YoY), total assets 3.13 trillion yuan (+15.25% YoY), employees reduced by 2,233 to 26,976, average salary 528,000 yuan, dividend payout ratio 22.77% (10 yuan per 10 shares).宁波银行2024年年报：营收666.32亿元（同比+8.2%），归母净利润271.27亿元（同比+6.23%），总资产3.13万亿元（同比+15.25%），员工减少2233人至26976人，人均薪酬52.8万元，股利支付率22.77%（每10股派9元）。
2025-07-24Ningbo Bank released 2025 half-year results: revenue RMB 37.160 billion (+7.91% YoY), net profit RMB 14.772 billion (+8.23% YoY); NPL ratio 0.76% (flat), provision coverage 374.16% (+3.62ppt QoQ).宁波银行发布2025年半年度业绩快报：营业收入371.60亿元（同比+7.91%），净利润147.72亿元（同比+8.23%）；不良贷款率0.76%（环比持平），拨备覆盖率374.16%（环比+3.62个百分点）。
2025-08-04Bank of Ningbo released 2025 semi-annual results: revenue 37.16B yuan (+7.91% YoY), net profit 14.772B yuan (+8.23% YoY), total assets approaching 3.5T yuan, NPL ratio 0.76% unchanged, provision coverage ratio rose to 374.16%.宁波银行发布2025年半年度业绩快报：营业收入371.6亿元（同比+7.91%），净利润147.72亿元（同比+8.23%），总资产逼近3.5万亿元，不良贷款率0.76%持平，拨备覆盖率升至374.16%。
2025-08-28Bank of Ningbo released 2025 semi-annual report: revenue 37.16B yuan (+7.91% YoY), net profit 14.772B yuan (+8.23% YoY), total assets 3.473T yuan (+11.04% YTD), NPL ratio 0.76%, provision coverage 374.16%, NIM 1.76%.宁波银行发布2025年半年报：营业收入371.60亿元（同比+7.91%），净利润147.72亿元（同比+8.23%），总资产3.473万亿元（较年初+11.04%），不良率0.76%，拨备覆盖率374.16%，净息差1.76%。
2025-08-28Bank of Ningbo reported 2025 H1 results: total assets 3.47 trillion yuan (+11.04% YTD), revenue 37.160 billion yuan (+7.91% YoY), net profit 14.772 billion yuan (+8.23% YoY), NPL ratio 0.76%, provision coverage 374.16%.宁波银行公布2025年半年报：总资产3.47万亿元（较年初增11.04%），营业收入371.60亿元（同比增7.91%），归母净利润147.72亿元（同比增8.23%），不良贷款率0.76%，拨备覆盖率374.16%。
2025-10-27Bank of Ningbo released Q3 2025 results: total assets reached RMB 3.578 trillion, up 14.50% from year-start; Q1-Q3 net profit attributable to shareholders was RMB 22.445 billion, up 8.39% YoY; NPL ratio was 0.76%, flat from year-start.宁波银行发布2025年三季报：资产总额达3.578万亿元，较年初增长14.50%；前三季度归母净利润224.45亿元，同比增长8.39%；不良贷款率0.76%，与年初持平。
2025-10-27Bank of Ningbo reported Q3 2025 standalone revenue of RMB 17.816 billion, up 9.19% YoY; net profit attributable to shareholders was RMB 7.673 billion, up 8.71% YoY.宁波银行2025年第三季度单季营业收入178.16亿元，同比增长9.19%；归母净利润76.73亿元，同比增长8.71%。
2026-01-20Bank of Ningbo released 2025 annual results: revenue 71.968 billion yuan (+8.01% YoY), net profit attributable to parent 29.333 billion yuan (+8.13% YoY), NII 53.161 billion yuan (+10.77% YoY), fee & commission income 6.085 billion yuan (+30.72% YoY). NPL ratio 0.76% (flat), provision coverage 373.16%. Total assets 3.6286 trillion yuan (+16.11% YoY). Loans 1.7333 trillion yuan (+17.43% YoY). Deposits 2.0249 trillion yuan (+10.27% YoY).宁波银行发布2025年度业绩：营业收入719.68亿元（同比+8.01%），归母净利润293.33亿元（同比+8.13%），利息净收入531.61亿元（同比+10.77%），手续费及佣金净收入60.85亿元（同比+30.72%）。不良贷款率0.76%（持平），拨备覆盖率373.16%。总资产3.6286万亿元（同比+16.11%），贷款1.7333万亿元（同比+17.43%），存款2.0249万亿元（同比+10.27%）。
2026-02-26Bank of Ningbo released 2025 preliminary results: revenue 71.968 billion yuan (+8.01% YoY), net profit 29.333 billion yuan (+8.13% YoY), total assets 3.63 trillion yuan (+16.11% YoY).宁波银行发布2025年业绩快报：营业收入719.68亿元（同比+8.01%），归母净利润293.33亿元（同比+8.13%），总资产3.63万亿元（同比+16.11%）。
2026-02-27Bank of Ningbo reported 2025 full-year results: revenue 71.968 billion yuan, up 8.01% YoY; net profit attributable to shareholders 29.333 billion yuan, up 8.13% YoY.宁波银行发布2025年业绩快报：营业收入719.68亿元，同比增长8.01%；归母净利润293.33亿元，同比增长8.13%。
2026-04-24FY2025 results: revenue 71.969B yuan (+8.01% YoY), net profit 29.333B yuan (+8.13% YoY); proposed full-year cash dividend 12 yuan per 10 shares (total 7.924B yuan, payout ratio 27.99%).2025年年报：营业收入719.69亿元（同比+8.01%），归母净利润293.33亿元（同比+8.13%）；拟全年每10股派发现金红利12元（合计79.24亿元，分红率27.99%）。
2026-04-24Q1 2026 results: revenue 20.384B yuan (+10.21% YoY), net profit 8.181B yuan (+10.30% YoY); NIM 1.73%; NPL ratio 0.76%.2026年一季报：营业收入203.84亿元（同比+10.21%），归母净利润81.81亿元（同比+10.30%）；净息差1.73%；不良贷款率0.76%。
2026-05-152025 annual results: revenue 71.969B yuan (+8.01% YoY), net profit 29.333B yuan (+8.13% YoY); 2026Q1 revenue 20.384B yuan (+10.21% YoY), net profit 8.181B yuan (+10.30% YoY).2025年年报：营收719.69亿元（同比+8.01%），净利润293.33亿元（同比+8.13%）；2026年一季报：营收203.84亿元（同比+10.21%），净利润81.81亿元（同比+10.30%）。
2026-08-19Bank of Ningbo reported 2026 H1 results: revenue RMB 41.45bn (+11.54% YoY), net profit attributable to parent RMB 16.562bn (+12.12% YoY), NIM 1.70%, NPL ratio 0.76%, provision coverage 373.35%, total assets RMB 3.948trn (+8.81% YTD).宁波银行发布2026年半年报：营业收入414.50亿元（同比+11.54%），归母净利润165.62亿元（同比+12.12%），净息差1.70%，不良贷款率0.76%，拨备覆盖率373.35%，总资产39482.23亿元（较年初+8.81%）。
Executive appointments & governance changes高管任命与治理变动
26 · 2024-02-07 → 2026-08-19
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Appointments, resignations, and governance restructuring of the board and senior management.董事会及高级管理层的任命、辞职和治理结构重组。
2024-02-07Ningbo Bank appointed Xu Xuesong (Shanghai Branch President) and Wang Dandan (Capital Operations Center GM) as Vice Presidents.宁波银行聘任徐雪松（上海分行行长）和王丹丹（资金营运中心总经理）为副行长。
2024-02-07Ningbo Bank Vice President Fu Wensheng resigned due to work reasons, to serve as Party Committee Deputy Secretary; Vice President Zhang Ningning resigned for personal reasons; Supervisor Hong Lifeng resigned as Supervisor Chair and employee supervisor, remaining as Union Chair.宁波银行副行长付文生因工作原因辞任，将任党委副书记；副行长章宁宁因个人原因辞任；监事长洪立峰辞去监事长和职工监事职务，继续担任工会主席。
2024-04-23National Financial Regulatory Administration (NFRA) Ningbo Office approved the appointment of Xu Xuesong and Wang Dandan as vice presidents of Ningbo Bank. Xu previously served as head of Shanghai Branch; Wang was general manager of the Capital Operations Center.国家金融监督管理总局宁波监管局核准徐雪松、王丹丹担任宁波银行副行长的任职资格。徐雪松此前任上海分行行长，王丹丹曾任资金营运中心总经理。
2024-10-13Shenzhen Financial Regulatory Bureau approves Gan Yu and Zha Shengpei as deputy presidents of Bank of Ningbo Shenzhen Branch.深圳金融监管局核准甘宇、查盛沛担任宁波银行深圳分行副行长的任职资格。
2025-03-07Shanghai regulator approved Wang Fang as deputy president of Bank of Ningbo Shanghai Branch, effective within 3 months from decision date.上海监管局核准王芳任宁波银行上海分行副行长，须在批复之日起3个月内到任。
2025-11-21Bank of Ningbo board approved appointment of Fu Wensheng as vice president and Wang Yongjie as chief compliance officer, effective upon regulatory approval.宁波银行董事会批准聘任付文生为副行长、王勇杰为首席合规官，任职资格待监管核准。
2025-11-21Bank of Ningbo supervisory board chairman Luo Mengbo resigned due to work reasons, effective November 21, 2025; board also passed resolution to abolish the supervisory board.宁波银行监事长罗孟波因工作原因辞职，自2025年11月21日生效；董事会通过不再设立监事会的议案。
2025-12-08Ningbo Bank held its second extraordinary general meeting of 2025, approving the revision of the Articles of Association, the abolition of the Board of Supervisors, and the 2025 interim profit distribution plan (cash dividend of RMB 3 per 10 shares).宁波银行召开2025年第二次临时股东大会，审议通过修订《公司章程》、不再设立监事会以及2025年中期利润分配方案（每10股派发现金红利3元）。
2026-01-04Bank of Ningbo received regulatory approval to abolish its board of supervisors, with the audit committee of the board of directors assuming the original supervisory functions, effective December 31, 2025. Six supervisors (Ding Yuanyao, Bao Mingwei, Yu Dechang, Zhou Shijie, Zhuang Ye, Chen Jinxiao) left office.宁波银行获监管批准撤销监事会，由董事会审计委员会承接原监事会职权，自2025年12月31日起生效，六名监事离任。
2026-02-26Zhuang Lingjun elected chairman of the 9th board of directors, replacing Lu Huayu who retired due to age; Feng Peijiong appointed president, subject to regulatory approval.庄灵君当选第九届董事会董事长，接替因到龄退休的陆华裕；冯培炯获聘行长，任职资格尚需监管核准。
2026-02-26Bank of Ningbo appointed seven vice presidents: Fu Wensheng, Wang Yongjie, Xu Xuesong, Wang Dandan, Yu Gang, Lu Haiying, and Hu Haidong; Yu Gang also serves as board secretary, Wang Yongjie as chief compliance officer and risk director, Hu Haidong as CFO.宁波银行聘任付文生、王勇杰、徐雪松、王丹丹、俞罡、陆海英、胡海东为副行长；俞罡兼任董秘，王勇杰兼任首席合规官和风险总监，胡海东兼任财务负责人。
2026-02-26Zhu Fanghua elected as employee director of the 9th board through democratic election, pending regulatory approval.朱芳华经职工民主选举成为第九届董事会职工董事，任职资格待监管核准。
2026-02-26Bank of Ningbo held the first meeting of the 9th board of directors, completing board election and governance transition.宁波银行召开第九届董事会第一次会议，完成董事会选举和治理层交接。
2026-02-26Bank of Ningbo completed management succession: Zhuang Lingjun elected as chairman, Feng Peijiong appointed as president, pending regulatory approval.宁波银行完成管理层换届：庄灵君当选董事长，冯培炯出任行长，待监管核准。
2026-03-13Ningbo Financial Regulatory Bureau approved Wang Yongjie as chief compliance officer of Bank of Ningbo.宁波金融监管局核准王勇杰担任宁波银行首席合规官。
2026-04-17Ningbo Financial Regulatory Bureau approved Zhuang Lingjun as Chairman of Bank of Ningbo.宁波金融监管局核准庄灵君担任宁波银行董事长。
2026-05-05Founder and long-time chairman Lu Huayu retired in February 2026 after 25 years at the helm; Zhuang Lingjun elected chairman, Feng Peijiong appointed vice chairman and proposed president.创始人兼长期董事长陆华裕于2026年2月退休，掌舵25年；庄灵君当选董事长，冯培炯被任命为副董事长、拟任行长。
2026-05-12Three new vice presidents approved: Yu Gang, Lu Haiying, and Hu Haidong; forming a 'one president, seven vice presidents' management team.三位新任副行长获批：俞罡、陆海英、胡海东；形成“一正七副”管理团队。
2026-05-18Annual general meeting elected four independent directors: Chen Xinyuan, Wang Jianzhong, Han Hongling, Xu Yanxiu; all 15 proposals passed.年度股东大会选举陈信元、汪建中、韩洪灵、徐衍修为独立董事；全部15项议案通过。
2026-06-08Ningbo Financial Regulatory Bureau approved Feng Peijiong as Vice Chairman and President of Ningbo Bank.宁波金融监管局核准冯培炯担任宁波银行副董事长、行长。
2026-06-26Ningbo Financial Regulatory Bureau approved Lou Songsong and Zhu Fanghua as directors of Ningbo Bank.宁波金融监管局核准楼松松、朱芳华担任宁波银行董事。
2026-07-14Ningbo Financial Regulatory Bureau approved Chen Yongming and Chen Chusheng as directors of Bank of Ningbo; both are senior executives of Singapore's OCBC Bank.宁波金融监管局核准陈永明、陈初生担任宁波银行董事的任职资格；两人均为新加坡华侨银行集团高管。
2026-07-31Ningbo Financial Regulatory Bureau approved Chen Xinyuan and Han Hongling as independent directors; Li Hao, Hong Peili, Wang Weian and Bei Duoguang stepped down due to term expiry.宁波金融监管局核准陈信元、韩洪灵担任宁波银行独立董事；李浩、洪佩丽、王维安、贝多广因任期届满不再担任独立董事。
2026-08-01Ningbo Financial Regulatory Bureau approved Chen Xinyuan and Han Hongling as independent directors of Bank of Ningbo.宁波金融监管局核准陈信元、韩洪灵为宁波银行独立董事任职资格。
2026-08-06Ningbo Financial Regulatory Bureau approved Wang Jianzhong as independent director of Bank of Ningbo; Wang is former Vice President of China Merchants Bank.宁波金融监管局核准汪建中为宁波银行独立董事任职资格；汪建中曾任招商银行副行长。
2026-08-19Bank of Ningbo's board nominated Shi Tingjun as director candidate; original nominee Xie Gongyi no longer serves due to work reasons. Shi is Chairman of Ningbo Development & Investment Group.宁波银行董事会提名史庭军为董事候选人；原拟任董事谢功益因工作原因不再担任。史庭军现任宁波开发投资集团有限公司党委书记、董事长。
Tech innovation & AI development科技创新与AI发展
8 · 2024-02-23 → 2026-07-31
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Development of AI platforms, large models, and other technological innovations.开发AI平台、大模型及其他技术创新。
2024-02-23Ningbo Bank's 'AI Fusion Platform Based on Multimodal Technology' won the 'Fintech Application Innovation Award' from Financial Computerizing magazine.宁波银行“基于多模态技术的人工智能融合中台”项目获得《金融电子化》颁发的“金融科技应用创新奖”。
2024-07-15Bank of Ningbo launched its HarmonyOS-native app on Huawei AppMarket, becoming one of the first batch of native HarmonyOS apps; covers core banking functions and uses Huawei TEE for security.宁波银行鸿蒙版应用在华为应用市场上架，成为首批鸿蒙原生应用，覆盖核心金融功能并采用华为TEE安全环境。
2024-12-02Ningbo Bank's self-developed cloud platform 'Ningxingyun' won the Digital Finance Theme Award at Sina Finance's 'Golden Video Awards'.宁波银行自主研发的云平台“宁行云”荣获新浪财经“金视频奖”数字金融主题奖。
2025-04-29Bank of Ningbo held 2024 annual performance briefing: stated it has established a head-office project team for capital measurement advanced methods (高级法), and a head-office large model project team for AI (DeepSeek etc.) research.宁波银行召开2024年度业绩说明会：已成立总行资本计量高级方法实施办公室和大模型项目部，积极研究跟进高级法及DeepSeek等AI技术。
2026-05-15Established a head-office large model project department to advance AI and digital transformation.已成立总行大模型项目部，推进人工智能与数字化转型。
2026-06-04Ningbo Bank issued a tender announcement for a financial large-model AI audit agent project, its 5th AI agent procurement in 2026, aiming to automate non-standard accounting attachment review.宁波银行发布财务大模型AI智审项目招标公告，系2026年第5次金融智能体招标，旨在实现非标会计附件的AI智能审核。
2026-07-17Bank of Ningbo established a head-office large model project department and is exploring AI applications in customer experience, business processes and risk management; invested over 7 million yuan in an AI infrastructure project in 2025.宁波银行已成立总行大模型项目部，积极探索AI在提升客户体验、优化业务流程、增强风险管理等领域的应用；2025年投入超700万元搭建自主可控AI算力基础设施。
2026-07-31Bank of Ningbo's in-house large language model, named 'Abo', completed internal testing; positioned as an AI financial assistant for employees and customers, with 9 agent-related bidding projects since September 2025.宁波银行自研大模型“阿波”完成内测，定位为面向员工和客户的AI金融智能助手；自2025年9月以来已累计发布9个智能体相关招标公告。
Shareholder returns & governance股东回报与公司治理
3 · 2024-02-28 → 2024-04-30
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Actions and statements related to profit distribution, shareholder returns, and annual general meetings.与利润分配、股东回报和年度股东大会相关的行动和声明。
2024-02-28Ningbo Bank announced a 'Quality and Return Dual Improvement' action plan, focusing on value creation, shareholder returns, risk management, and governance.宁波银行发布“质量回报双提升”行动方案，聚焦价值创造、股东回报、风险管理和公司治理。
2024-04-23Ningbo Bank announced its 2023 annual general meeting of shareholders will be held on May 15, 2024, at Ningbo Cultural Plaza Langham Hotel, to consider the 2023 board work report and other proposals.宁波银行公告将于2024年5月15日在宁波文化广场朗豪酒店召开2023年年度股东大会，审议《宁波银行股份有限公司2023年度董事会工作报告》等议案。
2024-04-30At the 2023 annual results briefing, board secretary Yu Gang said the bank will consider reasonable investor demands and implement an active profit distribution plan in the future, subject to capital adequacy and business development needs.在2023年度业绩说明会上，董事会秘书俞罡表示未来将在资本充足率和业务发展前提下，充分考虑投资者合理诉求，实施积极的利润分配方案。
Investor relations & research meetings投资者关系与调研
9 · 2024-03-01 → 2025-07-29
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Hosting investor relations events, research meetings, and surveys with institutional investors.举办投资者关系活动、调研会议及机构投资者问卷调查。
2024-03-01Bank of Ningbo held an investor relations event on March 1, 2024, with Capital Group participating.宁波银行于2024年3月1日举行投资者关系活动，Capital Group参与。
2024-03-13Bank of Ningbo held an investor research meeting on March 8, 2024, with Yongxing Securities participating.宁波银行于2024年3月8日接受机构调研，甬兴证券参与。
2024-07-03Bank of Ningbo accepted research visit by Ruiyuan Fund on July 2; discussed strategy, loan focus on advanced manufacturing, SMEs, and import/export firms.宁波银行7月2日接待睿远基金调研，讨论战略、贷款投向先进制造、小微和进出口企业。
2024-11-13Bank of Ningbo held investor relations activity on Nov 13, 2024, with fund managers from Fullgoal, Bosi, Changxin, CCB Pension, and Qushi Asset.宁波银行于2024年11月13日举行投资者关系活动，汇添富、博道、长信、建信养老、趣时资产等机构参与。
2024-11-19Bank of Ningbo held investor relations activity on Nov 19, 2024, with Ping An Pension, discussing competitive advantages, risk management, and loan focus on advanced manufacturing, SMEs, and import/export firms.宁波银行于2024年11月19日举行投资者关系活动，平安养老参与，讨论竞争优势、风险管理及贷款投向先进制造、民营小微、进出口企业。
2025-02-11Bank of Ningbo held a specific-objective investor survey with 8 institutions including CCB Wealth Management, Haitong Asset Management, and Invesco Great Wall Fund.宁波银行举行特定对象调研活动，参与机构包括建信理财、海通资管、景顺长城基金等8家机构。
2025-05-21Bank of Ningbo held an investor survey meeting; management discussed competitive advantages from differentiated strategy, asset quality outlook, and sustainable loan growth supported by SME and manufacturing lending.宁波银行举行特定对象调研活动，管理层就差异化经营策略优势、资产质量展望及贷款增速可持续性进行交流。
2025-07-10Ningbo Bank held a specific-object investor survey meeting, discussing its differentiated strategy, capital measurement advanced approach research, and loan growth sustainability.宁波银行举行特定对象调研活动，交流差异化经营策略、资本计量高级法研究进展及贷款增速可持续性。
2025-07-29Ningbo Bank held another specific-object investor survey, reiterating focus on SME, manufacturing, and trade sectors, and balancing dividends with internal capital generation.宁波银行再次举行特定对象调研，重申聚焦民营小微、制造业、进出口等领域，并统筹分红与内源性资本增长。
Product launches & service upgrades产品发布与服务升级
18 · 2024-03-11 → 2026-06-15
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Launch of new financial products and services for various customer segments.为不同客户群体推出新的金融产品和服务。
2024-03-11Bank of Ningbo raised the minimum purchase amount for gold accumulation deposit business from 500 yuan to 600 yuan, effective March 21, 2024, due to gold price volatility and PBOC rules.宁波银行将黄金积存金业务起购金额从500元上调至600元，自2024年3月21日起生效，因金价波动和央行规定。
2024-05-24Bank of Ningbo promoted its 'Bill Housekeeper' (票据好管家) service, covering smart e-bills, asset pools, and group asset pools, serving 21,000 corporate clients with 25% bill market share in Nanjing region; partners include Huatian Technology, Donghua Intelligence, and Trina Solar.宁波银行推广“票据好管家”服务，涵盖智能电票、资产池、集团资产池，客户数2.1万户，南京区域票据份额25%，合作方包括华天科技、东华智能、天合光能。
2024-05-24Bank of Ningbo launched 'Government Affairs Housekeeper' (政务新管家) service package, offering smart fiscal, state-owned assets, housing construction, government procurement, and education training fund supervision solutions for government agencies.宁波银行推出“政务新管家”综合金融服务方案，面向党政机构提供智慧财政、智慧国资、智慧住建、智慧政采、智慧教培等资金监管服务。
2024-05-29Bank of Ningbo Suzhou branch launched the 'Yinling Hui' (银龄荟) elderly financial service brand, with a dedicated 'Yinling Card' and a service system covering pension finance, age-friendly facilities, and health/wellness activities.宁波银行苏州分行发布养老金融品牌“银龄荟”，推出“银龄卡”，围绕养老金融、适老情感、健老生活、惠老产品四大维度提供服务。
2024-06-26Bank of Ningbo Yuyao Sub-branch completed its first 'Government Procurement Loan' (Zhengcai Dai) business, issuing a 2.5 million yuan short-term working capital loan to a service company using accounts receivable pledge registration on the Unified Registration System for Movable Property Financing.宁波银行余姚支行完成首笔'政采贷'业务，通过动产融资统一登记公示系统为某服务公司发放250万元短期流动资金贷款。
2024-07-23Bank of Ningbo Shanghai branch jointly issued 'Kaopu Card' co-branded credit card with Putuo District government to boost consumption.宁波银行上海分行与普陀区政府联合发布“靠谱卡”联名信用卡，促进消费。
2024-08-29Ningbo Bank launched remote banking electronic special seals (electronic contract and electronic receipt seals) with embedded 12-digit verification codes and CA digital signatures, effective from August 29, 2024.宁波银行自2024年8月29日起启用远程银行业务电子专用章（电子合同专用章与电子回单专用章），内嵌12位验证码及CA电子签名证书。
2024-11-13Bank of Ningbo Suzhou branch jointly launched 'Suzhou Women's Card' with Suzhou Women's Federation, targeting female entrepreneurs with differentiated financial services.宁波银行苏州分行与苏州市妇联联合发布‘苏州巾帼卡’，为女企业家提供差异化金融服务。
2025-01-10Bank of Ningbo Suzhou Branch launched a pension finance consumption promotion activity as part of the Suzhou Spring Festival pension service consumption promotion month, focusing on four areas: life discounts, health care, leisure travel, and exclusive finance.宁波银行苏州分行发布养老金融促消费活动内容，作为苏州迎新春养老服务促消费月活动的一部分，聚焦生活惠享、健康呵护、休闲出行、专属金融四大板块。
2025-05-12Bank of Ningbo Suzhou branch partnered with China Telecom Suzhou branch to launch the 'Overseas Enterprise Escort Plan', providing full-cycle financial services and a '12+6+N' overseas one-stop platform for Chinese enterprises going abroad.宁波银行苏州分行携手中国电信苏州分公司发布“出海企业护航计划”，提供全周期综合金融服务及“12+6+N”海外一站式平台。
2025-06-19Bank of Ningbo launched a 'one-stop overseas service' for enterprises at the Beijing E-Town 'Pioneer Voyage' event, providing cross-border financial services including foreign exchange management and the 'Bobo Zhiliao' platform.宁波银行在北京经济技术开发区'先锋航程'活动中发布'一站式出海管家服务'，提供外汇金管家、波波知了等跨境金融服务。
2025-07-30Ningbo Bank Suzhou branch launched a co-branded debit card with HEI Schools, a premium private school, offering education-scenario benefits such as course discounts and priority event access.宁波银行苏州分行与高端私立学校HEI Schools联合发布联名借记卡，提供课程报名立减、亲子活动优先报名等教育场景专属权益。
2025-08-29Bank of Ningbo launched 'Digital HR 3.0' system, a digital human resources management system covering recruitment, training, performance, payroll, and expense control, integrating with enterprise systems.宁波银行推出“数字人力3.0”系统，覆盖招聘、培训、绩效、薪酬、费控等全流程数字化人力资源管理，可融入企业系统生态。
2025-12-10Ningbo Bank Beijing Branch held the 'Digital HR 3.0' launch event in Beijing, introducing a new human resources digital management platform with four modules: executive cockpit, HR hub, financial accelerator, and employee benefits station.宁波银行北京分行在北京举办“数字人力3.0”发布会，推出包含高管驾驶舱、HR智慧中枢、财务加速器、员工福利站四大模块的人力资源数字化管理平台。
2026-01-04Bank of Ningbo adjusted its accumulated gold business (积存金) minimum unit to 1 gram or equivalent, effective from January 1, 2026, while retaining the minimum purchase amount of 1,000 yuan.宁波银行自2026年1月1日起将积存金业务最小业务单位调整为1克或等值金额，保留最低起购金额1000元。
2026-01-28Bank of Ningbo lowered its fixed deposit gold (定存金) product rates: demand 0%, 1-month 0.3%, 3-month 0.3%, 6-month 0.4%, 12-month 0.5%, effective January 28, 2026.宁波银行下调定存金产品利率：活期0%，1个月0.3%，3个月0.3%，6个月0.4%，12个月0.5%，自2026年1月28日起生效。
2026-05-19Adjusted and standardized certain fee items; new credit depository business launched with Zhejiang Securities.调整并规范部分收费项目；新上线浙商证券信用存管业务。
2026-06-15Ningbo Bank Mingzhou Sub-branch disbursed a 3 million yuan short-term working capital loan to Yuyao ZK Plastic Mold Co., secured by production equipment via the movable property registration system.宁波银行明州支行通过动产融资统一登记系统，以生产设备抵押为余姚ZK塑模厂发放300万元短期流动资金贷款。
Kunpeng Treasury & CaiZi DaGuanJia鲲鹏司库与财资大管家
10 · 2024-03-19 → 2026-05-26
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Development and launch of the Kunpeng Treasury and CaiZi DaGuanJia corporate treasury management platforms.开发并推出鲲鹏司库和财资大管家企业财资管理平台。
2024-03-19Bank of Ningbo launched the 'Kunpeng Treasury' (鲲鹏司库) exclusive solution at a Beijing press conference, targeting group enterprises for global financial resource allocation, with a 'five-full' service system.宁波银行在北京发布“鲲鹏司库”专属方案，面向集团企业实现全球金融资源统一调配，提供“五全”服务体系。
2024-03-28Bank of Ningbo officially released the 'Kunpeng Treasury' service plan at the 2024第一期 Shanghai State-owned Capital Economic Situation Analysis and Financial Management Innovation Salon, in strategic cooperation with Shanghai State-owned Capital Research Institute.宁波银行在2024第一期上海国资经济形势分析暨财务管理创新沙龙上正式发布“鲲鹏司库”服务方案，与上海国资院战略合作。
2024-10-10Bank of Ningbo launches 'Kunpeng Treasury Service Plan' for central and state-owned enterprises, large listed companies, and top internet firms, offering digital treasury management via big data, cloud computing, and AI.宁波银行推出面向央国企、大型上市公司和头部互联网企业的‘鲲鹏司库服务方案’，依托大数据、云计算和人工智能提供数字化司库管理。
2025-03-11Bank of Ningbo launched 'Cai Zi Da Guan Jia 2025 Edition' (Treasury Manager 2025) with 600+ functions, connecting 160+ domestic banks directly, supporting multi-currency payments, AI-driven decision-making, and serving over 12,000 corporate clients.宁波银行发布财资大管家2025版，具备600余项功能，境内直联银行扩展至160余家，支持多币种支付和AI决策，服务企业超1.2万家。
2025-03-11Bank of Ningbo launched 'Kunpeng Treasury 2.0' (Kunpeng Si Ku 2.0) overseas treasury center solution, offering seven integrated services including cross-border investment and financing, global risk management, and global treasury management.宁波银行推出鲲鹏司库2.0海外财资中心解决方案，提供跨境投融资、全球风险管理、全球司库等七大一体化服务。
2025-03-13Bank of Ningbo held the launch event for 'Cai Zi Da Guan Jia 2025 Edition' and 'Kunpeng Treasury 2.0' at Shanghai China Financial Information Center, with over 50 enterprises attending.宁波银行在上海中国金融信息中心举办财资大管家2025版及鲲鹏司库2.0发布会，50余家企业参会。
2025-03-23Bank of Ningbo deputy president Feng Peijiong released the digital intelligence upgrade service plan 'Kunpeng Treasury' (Kunpeng Si Ku) at the China Wealth Conference Digital Finance Innovation Forum, attended by over 120 guests.宁波银行副行长冯培炯在中国财富大会数字金融创新论坛上发布数智化升级服务方案鲲鹏司库，超120位嘉宾参会。
2025-06-28Bank of Ningbo upgraded its 'Treasury Steward 2025' and 'Kunpeng Treasury 2.0' platforms, featuring direct connection to 160+ domestic banks, AI-driven data decision-making, and global treasury services.宁波银行全新升级'财资大管家2025'及'鲲鹏司库2.0'，实现境内160余家直联银行一点接入、AI+数据决策和全球化司库服务。
2026-03-12Bank of Ningbo held 'Finance Butler 2026 Edition and Kunpeng Treasury 3.0' launch event, serving over 13,000 group clients with 16 scenarios and 600+ functions.宁波银行举办‘财资大管家2026版暨鲲鹏司库3.0’发布会，服务超1.3万家集团客户，涵盖16大场景和600余项功能。
2026-05-26Ningbo Bank's 'CaiZi DaGuanJia' (Treasury Steward) platform covers over 60% of 230+ A-share listed companies in Hangzhou, with annual transaction volume exceeding 6 trillion yuan.宁波银行“财资大管家”平台在杭州逾230家A股上市公司中覆盖率超60%，年交易量超过6万亿元。
Regulatory penalties & compliance监管处罚与合规
9 · 2024-04-07 → 2026-07-22
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Fines and penalties from financial regulators for various compliance failures.因各类合规问题受到金融监管部门的罚款和处罚。
2024-04-07Ningbo Bank Taizhou Branch fined RMB 900,000 by the National Financial Regulatory Administration (NFRA) Taizhou Office for three violations: imprudent loan management leading to credit funds diverted to equity investment and land purchase, and handling banker's acceptance discount without genuine trade background. Two employees were warned.宁波银行台州分行因贷款管理不审慎导致信贷资金被挪用于股权投资和购买土地、办理无真实贸易背景的商业承兑汇票贴现三项违规，被国家金融监督管理总局台州监管分局罚款90万元，两名员工被警告。
2024-05-14Bank of Ningbo Taizhou branch was fined CNY 900,000 by the National Financial Regulatory Administration (NFRA) Taizhou office for three violations: improper loan management leading to diversion of credit funds into equity investment, etc. Two employees were warned.宁波银行台州分行因贷款管理不审慎导致信贷资金被挪用于股权投资等三项违规，被国家金融监督管理总局台州监管分局罚款90万元，两名员工被警告。
2024-06-21Bank of Ningbo was fined 650,000 yuan by the Ningbo Financial Regulatory Bureau for illegally replacing written-off loans and inadequate credit access management; former deputy general manager of the online banking department Xu Jianming received a warning.宁波银行因违规置换已核销贷款和授信准入管理不到位，被宁波金融监管局罚款65万元；时任网络银行部副总经理许建明被警告。
2024-11-22Bank of Ningbo fined 1.2 million yuan by Ningbo Financial Regulatory Bureau for inadequate rectification of off-site unlicensed institutions, credit management deficiencies, and weak remote customer identification mechanisms. Two managers warned.宁波银行因异地非持牌机构整改不到位、信贷业务管理不到位、异地客户识别机制不健全，被宁波金融监管局罚款120万元，两名经理被警告。
2025-08-25Bank of Ningbo Huzhou branch fined 750k yuan by the Huzhou Regulatory Office of the National Financial Regulatory Administration for improper loan management.宁波银行湖州分行因贷款管理不审慎等，被国家金融监督管理总局湖州监管分局罚款75万元。
2025-08-27Bank of Ningbo Zhoushan branch fined 300k yuan by the Zhoushan Regulatory Office of the National Financial Regulatory Administration for inadequate pre-loan investigation and failure to detect key document forgery.宁波银行舟山分行因贷前调查不到位、未发现关键凭证造假，被国家金融监督管理总局舟山监管分局罚款30万元。
2025-11-26Bank of Ningbo was fined 988,000 yuan by the People's Bank of China Ningbo branch for violating regulations on credit information collection, provision, and inquiry.宁波银行因违反信用信息采集、提供、查询及相关管理规定，被中国人民银行宁波市分行罚款98.8万元。
2026-06-06Zhejiang Ningyin Consumer Finance Co., Ltd. (94.17% owned by Ningbo Bank) was fined 500,000 yuan by the Ningbo Financial Regulatory Bureau for inadequate fee control over cooperative institutions.浙江宁银消费金融（宁波银行持股94.17%）因合作机构收费管控不到位被宁波金融监管局罚款50万元。
2026-07-22Bank of Ningbo Shanghai Branch was fined 1.8 million yuan by the National Financial Regulatory Administration Shanghai Bureau for serious violations of prudent operation rules in pre-loan investigation and post-loan management; 7 employees were warned.宁波银行上海分行因贷款贷前调查、贷后管理严重违反审慎经营规则，被国家金融监督管理总局上海监管局罚款180万元，7名员工被警告。
Bondholder meetings & notifications债券持有人会议与通知
1 · 2024-04-09
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Convening bondholder meetings and providing notices related to specific bond issues.召集债券持有人会议并提供与特定债券发行相关的通知。
2024-04-09Ningbo Bank announced it will convene bondholder meetings on April 23 for six bonds issued by Northern Enterprises (北方企业), including '24 Beifang Qiye MTN001' and others, to discuss related matters.宁波银行公告拟于4月23日召开“24北方企业MTN001”等六只债券持有人会议，审议相关事项。
System maintenance & upgrades系统维护与升级
13 · 2024-04-19 → 2026-08-11
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Scheduled system maintenance and upgrades affecting various banking channels and services.影响各类银行渠道和服务的定期系统维护与升级。
2024-04-19Ningbo Bank announced a system maintenance upgrade, suspending fund trading and inquiry services from 23:30 on April 19 to 06:00 on April 20, affecting online banking, mobile banking, WeChat banking, and branch counters.宁波银行公告因系统维护升级，将于4月19日23:30至4月20日06:00暂停基金交易及查询服务，涉及网上银行、手机银行、微信银行和网点柜面。
2024-05-30Bank of Ningbo announced a system upgrade on June 1, 2024 (00:00-06:00), temporarily suspending self-service devices, mobile banking, online banking, WeChat banking, phone banking, third-party payments, and card services.宁波银行公告将于2024年6月1日0:00-6:00进行系统升级，届时自助设备、手机银行、网上银行、微信银行、第三方支付及借记卡/信用卡等业务暂停服务。
2024-06-14Bank of Ningbo suspended personal foreign currency remittance and overseas study fee payment services on its electronic channels (online banking, mobile) from 17:00 June 14 to 08:30 June 18 for system upgrade.宁波银行电子渠道（网银、手机）个人外币汇款、留学缴费业务自6月14日17:00起停止服务至6月18日08:30，以进行系统升级。
2024-12-18Ningbo Bank announced system upgrade on Dec 19 to merge personal foreign currency cash and remittance accounts; from Dec 20, only foreign currency remittance accounts can open time deposits.宁波银行公告将于12月19日进行系统升级，合并个人外币钞汇户；12月20日起仅支持个人外币现汇户办理定期存款。
2024-12-30Ningbo Bank suspended repayment functions for Daiyirong, Xiaowei Dai and other loans on APP, online banking, and WeChat banking from Dec 30-31 due to system maintenance.宁波银行因系统维护，于12月30日至31日暂停贷易融、小微贷等贷款在APP、网银、微信银行的还款功能。
2025-03-21Bank of Ningbo conducted system upgrade from 20:00 March 21 to 4:00 March 22, temporarily suspending mobile banking, online banking transfer limits, payment functions, personal pension, asset allocation, debit card application, and some loan services.宁波银行于3月21日20:00至3月22日4:00进行系统升级，暂停手机银行、网银转账限额、支付、个人养老金、资产配置、借记卡申请及部分贷款功能。
2025-03-24Bank of Ningbo announced system maintenance from 00:00 March 28 to 24:00 March 31, suspending repayment functions for Dai Yi Rong, Xiao Wei Dai and other corporate and business owner loans on APP, online banking, and WeChat banking.宁波银行公告因系统维护，3月28日0:00至3月31日24:00暂停贷易融、小微贷等企业及企业主贷款在APP、网银、微信银行的还款功能。
2025-04-16Bank of Ningbo announced scheduled system upgrades on April 17, 19-20, and 23, 2025, temporarily suspending various services including mobile banking, online banking, ATM, POS, and third-party payments during maintenance windows.宁波银行公告将于2025年4月17日、19-20日、23日分时段进行系统升级，期间暂停手机银行、网上银行、ATM、POS、第三方支付等多项服务。
2025-09-09Bank of Ningbo announced system upgrade: mobile flash payment (Pay) services will be suspended from 18:00 to 24:00 on September 11, 2025 for card binding, limit management, and account cancellation.宁波银行公告因系统升级，将于2025年9月11日18:00至24:00暂停手机闪付Pay业务的绑卡、限额管理、注销等相关服务。
2025-10-15Bank of Ningbo announced a scheduled system upgrade from 18:00 on October 24 to 08:00 on October 27, 2025, during which certain services (early repayment, credit card applications, cash installment) will be suspended.宁波银行公告将于2025年10月24日18:00至10月27日8:00进行系统升级，期间部分业务（提前还款、信用卡申请、现金分期等）暂停服务。
2026-03-22Bank of Ningbo scheduled system upgrades on March 22, 26, and 29, temporarily suspending various electronic and payment services.宁波银行于3月22日、26日、29日进行系统升级，暂停多项电子渠道和支付服务。
2026-08-06Bank of Ningbo will suspend fund trading and inquiry services from 21:00-24:00 on Aug 20, 2026 due to system maintenance upgrade.宁波银行因系统维护升级，将于2026年8月20日21:00-24:00暂停基金交易及查询服务。
2026-08-11Bank of Ningbo announced system upgrades in August: e-channel receipt query/print suspended Aug 15 1:00-5:00; wealth trading (funds, licai, pension) suspended Aug 20 18:00-24:00.宁波银行公告8月系统升级：8月15日1:00-5:00电子渠道回单查询打印暂停；8月20日18:00-24:00手机银行基金、理财宝、养老金等财富交易暂停。
Ningyin Consumer Finance (Ningyin Xiaojin)宁银消金
4 · 2024-04-30 → 2025-08-28
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Capital increases, performance, and regulatory actions related to the consumer finance subsidiary.消费金融子公司的增资、业绩及相关监管行动。
2024-04-30At the 2023 annual results briefing, Ningbo Bank's board secretary Yu Gang stated that the rise in personal loan NPL ratio to 1.50% was due to expanded inclusive credit and faster growth at the consumer finance subsidiary. Vice President Luo Weikai disclosed Ningyin Xiaojin's NPL ratio fell from 1.56% at start-2024 to 1.54% at end-Q1.在2023年度业绩说明会上，宁波银行董事会秘书俞罡表示个人贷款不良率升至1.50%系普惠信贷投放扩大及消金子公司发展较快所致。副行长罗维开透露宁银消金不良率从年初1.56%降至一季度末1.54%。
2024-12-12Ningbo Consumer Finance (Ningyin Xiaojin) had its 4th VP qualification approved in 2024; planned capital increase of 1.226B yuan by Ningbo Bank to raise registered capital to 4.5B yuan, ranking 8th among licensed consumer finance firms.宁银消金年内第4名副总裁任职资格获批；宁波银行拟出资12.26亿元参与增资，注册资本将增至45亿元，排名持牌消金公司第8位。
2025-04-09Bank of Ningbo 2024 subsidiary performance: Yongying Financial Leasing (永赢金租) net profit 2.551 billion yuan (+20.05% YoY), asset balance 130.1 billion yuan; Ningyin Consumer Finance (宁银消金) net profit 303 million yuan (+50% YoY), loan balance 59.04 billion yuan; Ningyin Wealth Management (宁银理财) net profit 744 million yuan (+11.38% YoY), AUM 473.5 billion yuan.宁波银行2024年子公司业绩：永赢金租净利润25.51亿元（同比+20.05%），租赁资产余额1301亿元；宁银消金净利润3.03亿元（同比+50%），贷款余额590.4亿元；宁银理财净利润7.44亿元（同比+11.38%），管理产品规模4735亿元。
2025-08-28Bank of Ningbo disclosed that Ningyin Consumer Finance (subsidiary) had total assets 70.102B yuan, net assets 6.648B yuan, revenue 1.686B yuan, net profit 250M yuan in H1 2025.宁波银行披露子公司宁银消金总资产701.02亿元，净资产66.48亿元，上半年营收16.86亿元，净利润2.50亿元。
Fund distribution & sales agency基金代销
3 · 2024-05-10 → 2024-07-23
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Becoming a sales agent for various fund management companies and launching distribution platforms.成为多家基金管理公司的代销机构并推出代销平台。
2024-05-10Bank of Ningbo was added as a sales agent for Guolian An Fund Management's open-end funds, including Guolian An Hengtai 3-month regular open pure bond fund.宁波银行成为国联安基金管理公司旗下部分开放式基金（如国联安恒泰3个月定开债券）的销售机构。
2024-05-31Bank of Ningbo was added as a sales agent for JPMorgan Asset Management's Nasdaq 100 Index QDII fund (RMB share classes).宁波银行成为摩根基金管理（中国）旗下摩根纳斯达克100指数型QDII基金人民币份额的代销机构。
2024-07-23Bank of Ningbo launched 'Tongye Yiguanjia' (Interbank Easy Manager) platform for fund distribution; added Haitong Fund's products to the platform.宁波银行推出“同业易管家”平台用于基金销售，新增海富通基金产品。
Regulatory approvals & licenses监管批准与牌照
5 · 2024-06-01 → 2026-04-03
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Obtaining approvals and licenses from regulatory bodies for various business activities.从监管机构获得各类业务活动的批准和牌照。
2024-06-01Bank of Ningbo completed the first bank-direct 'Trade Foreign Exchange Receipts and Payments Enterprise Directory' registration under the new SAFE policy, effective June 1, allowing enterprises to register directly at banks instead of the foreign exchange bureau.宁波银行在新政实施首日落地首笔银行直接办理的'贸易外汇收支企业名录'登记业务，该政策自6月1日起生效，企业可直接在银行办理登记，无需前往外汇局。
2024-06-06Bank of Ningbo became the first bank to launch the cross-border credit information CFCA (China Financial Certification Authority) authorized verification function 'One-Click Authorization' on the SAFE cross-border financial service platform.宁波银行率先在外汇管理局跨境金融服务平台上首家上线了跨境信用信息中国金融认证中心(CFCA)授权查证功能——'一键授权'。
2024-06-12Bank of Ningbo obtained approval from the China Securities Regulatory Commission for its open-end fund sales qualification and was added as a sales institution for HFT Investment Management's funds, effective June 13.宁波银行获中国证监会批准的开放式基金销售资格，并自6月13日起成为海富通基金管理有限公司旗下部分基金的销售机构。
2024-07-26Ningbo Bank officially launched the pilot operation of foreign exchange business reform, becoming one of the first banks to implement the new forex展业 rules, allowing high-quality customers to process forex payments by instruction without documentation.宁波银行正式启动外汇展业改革试运行，成为率先实施新外汇展业规则的银行之一，优质客户可凭指令办理外汇收付业务，无需提供资料。
2026-04-03PBOC added Bank of Ningbo as one of 12 new digital RMB (e-CNY) business operating institutions, allowing it to access the central bank's digital RMB system.中国人民银行新增宁波银行为12家数字人民币业务运营机构之一，接入央行端数字人民币系统。
IT & procurement信息技术与采购
1 · 2024-06-05
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Procurement of technology equipment and related IT infrastructure projects.技术设备采购及相关IT基础设施项目。
2024-06-05Softong Computing (Tongfang Computer) won the bid for Bank of Ningbo's 2024 annual desktop terminal computer framework procurement project (Xinchuang office terminal model).软通计算（同方计算机）中标宁波银行2024年度桌面终端电脑框架协议采购项目（信创办公终端机型）。
Auditor & accounting changes审计师与会计变更
2 · 2024-06-21 → 2025-04-09
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Changes in external auditors and recognition of new asset classes in financial reporting.外部审计师的变更以及财务报告中新资产类别的确认。
2024-06-21Bank of Ningbo cancelled the appointment of PricewaterhouseCoopers Zhongtian as its 2024 external auditor, citing the need for further verification of recent matters, and will resubmit the audit appointment to the shareholders' meeting.宁波银行取消聘请普华永道中天为2024年度外部审计机构的议案，称鉴于其近期相关事项尚待进一步核实，后续将重新提交股东大会审议。
2025-04-09Bank of Ningbo 2024 data resource assets recognized at 6 million yuan, classified as intangible assets with a 3-year useful life.宁波银行2024年数据资源入表金额600万元，计入无形资产科目，使用寿命3年。
Business operations & product updates业务运营与产品更新
5 · 2024-07-01 → 2026-03-25
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Operational changes including deposit rate adjustments, digital e-invoice rollout, derivatives risk ratings, precious metals risk warning, and bond market counter business limits.运营变化，包括存款利率调整、数字电子发票推广、衍生品风险评级、贵金属风险警告和债券市场柜台业务限额。
2024-07-01Bank of Ningbo updated its RMB deposit listed interest rates, lowering some rates.宁波银行更新人民币存款挂牌利率，下调部分利率。
2024-07-26Bank of Ningbo announced full rollout of digital e-invoices (digital tax-controlled invoices) starting July 26 for corporate clients.宁波银行宣布自7月26日起全面推开数电发票，对公客户可申请开具。
2025-07-28Ningbo Bank adjusted the counter transfer-out limit for interbank bond market counter business to a daily maximum of 100 units (face value RMB 10,000) per investor, effective July 28.宁波银行调整银行间债券市场柜台业务柜面转托管转出限额至每日累计不超过100份（面值1万元），自2025年7月28日起执行。
2026-01-23Bank of Ningbo adjusted its financial market derivatives product risk ratings and customer suitability matching opinions, with existing suitability assessments expiring on February 1, 2026, requiring customers to re-evaluate.宁波银行调整金融市场衍生产品风险等级及客户适当性匹配意见，现有评估结果于2026年2月1日失效，需重新评估。
2026-03-25Bank of Ningbo issued a risk warning on precious metals business due to volatile global prices.宁波银行发布贵金属业务市场风险提示，因国内外贵金属价格波动剧烈。
Industry rankings & awards行业排名与奖项
15 · 2024-07-10 → 2026-07-21
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Recognition through various industry rankings and awards.通过各类行业排名和奖项获得认可。
2024-07-10Bank of Ningbo ranked 80th in The Banker's 'Top 1000 World Banks 2024' by Tier 1 capital of USD 27.934 billion, up two places from 2023.宁波银行以一级资本279.34亿美元在《银行家》2024年全球银行1000强中排名第80位，较2023年上升两位。
2024-07-25Bank of Ningbo ranked 194th in Fortune China 500 list for 2024.宁波银行在2024年《财富》中国500强中排名第194位。
2024-11-25Bank of Ningbo ranked 10th nationally and 1st among city commercial banks in the 'China Banking Competitiveness Top 100' by 21st Century Financial Research Institute.宁波银行在21世纪金融研究院‘中国银行业竞争力100强’中位列全国第10、城商行第1。
2024-11-30Bank of Ningbo won the 'Best Practice for Listed Company Board of Directors' award from China Association of Public Companies for the second time, recognized for governance and disclosure.宁波银行再次获得中国上市公司协会‘上市公司董事会最佳实践’奖，表彰其治理与信息披露。
2025-01-24Bank of Ningbo won the 'Best City Commercial Bank Award' at the 2024 (12th) Bank Comprehensive Selection hosted by Sina Finance.宁波银行在新浪财经主办的“2024（第十二届）银行综合评选”中获“年度最佳城市商业银行奖”。
2025-02-24Bank of Ningbo won six awards at Shanghai Commercial Paper Exchange 2024 annual evaluation, including Outstanding Comprehensive Business Institution and Outstanding Acceptance Institution.宁波银行在上海票据交易所2024年度评选中荣获六项大奖，包括优秀综合业务机构、优秀承兑机构等。
2025-06-27Bank of Ningbo was selected as 'Most Satisfying Bank for Private Enterprises' at the municipal level in the 2024 '10,000 Enterprises Evaluating Banks' activity by the PBOC Zhejiang Branch and Zhejiang Federation of Industry and Commerce.宁波银行在人民银行浙江省分行、浙江省工商联2024年度'万家民企评银行'活动中获选'民营企业最满意银行'市级机构。
2025-07-02Ningbo Bank ranked 72nd in The Banker's 2025 'Top 1000 World Banks' by Tier 1 capital of USD 31.568 billion, up 8 places from the previous year.宁波银行以一级资本315.68亿美元在英国《银行家》2025年“全球银行1000强”中排名第72位，较上年上升8位。
2025-10-10Bank of Ningbo ranked 33rd in The Banker's 'Top 50 Fastest Growing Global Banks' list, based on brand value growth potential over the next 12 months, jointly published with Kantar.宁波银行在英国《银行家》杂志与凯度联合发布的'全球银行品牌增速50强'榜单中位列第33位，基于未来12个月品牌价值增长潜力。
2025-10-16Bank of Ningbo ranked 72nd in The Banker's 'Top 1000 World Banks 2025' by Tier 1 capital of USD 31.568 billion, up 8 places from the previous year.宁波银行以315.68亿美元一级资本在英国《银行家》'2025年全球银行1000强'中排名第72位，较上年上升8位。
2025-12-28Ningbo Bank won the 'Golden Horse Service Entity Excellence Award' at the 2025 Securities Market Annual Conference, recognizing its performance in serving the real economy and SME financing.宁波银行在2025证券市场年会上荣获“金骏马服务实体卓越机构奖”，表彰其在服务实体经济和小微企业融资方面的表现。
2025-12-31Ningbo Bank was named 'Annual Listed Bank' in the 2025 Financial Industry Annual Selection by Caijing.com, for its performance in the 'Five Major Articles' of finance (tech, green, inclusive, pension, digital).宁波银行在财经网2025年金融业年度评选中获评“年度上市银行”，表彰其在金融“五篇大文章”（科技、绿色、普惠、养老、数字）方面的表现。
2026-03-09Bank of Ningbo ranked 143rd in Brand Finance '2026 Global Banking Brand Value 500' list.宁波银行在Brand Finance《2026年全球银行品牌价值500强》中位列第143位。
2026-03-13Bank of Ningbo won 'Financial Consumer Protection Excellent Institution' award at Sina Finance 2026 Golden Stone Awards.宁波银行在新浪财经2026年度金石奖中荣获‘金融消保优秀机构’。
2026-07-21Bank of Ningbo ranked 185th in the 2026 Fortune China 500, up from 186th in 2025; total assets reached 3.86 trillion yuan at end-Q1 2026, up 6.35% from the start of the year.宁波银行在2026年《财富》中国500强中位列第185位，较上年提升1位；截至2026年一季度末总资产达3.86万亿元，较年初增长6.35%。
Strategic cooperation & partnerships战略合作与伙伴关系
7 · 2024-07-10 → 2025-05-19
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Cooperative events and partnerships with other organizations, including co-hosted forums, exchange meetings, and service platform launches.与其他组织的合作活动和伙伴关系，包括联合举办论坛、交流会议和服务平台发布。
2024-07-10Bank of Ningbo Shanghai分行 co-hosted '2024 Private Enterprise HR High-Quality Development Summit' with Shanghai Zhejiang Chamber of Commerce; launched 'Bozhi Le' service platform for sci-tech enterprises.宁波银行上海分行与上海市浙江商会共同主办“2024民营企业人力资源高质量发展峰会”，推出“波波知了”科创服务平台。
2024-08-07Ningbo Bank Shanghai Lianyang Sub-branch co-hosted the 'Digital Intelligent Technology Innovation Development Forum and Tomorrow Master Hard Tech Entrepreneurship Competition' with Keqidao Digital Science and Technology Platform, and promoted its 'Bobo Zhiliao' product.宁波银行上海联洋支行与科企岛数字科创平台共同举办“数智化科技创新发展论坛暨‘明日大师’硬科技创业大赛”，并推广“波波知了”产品。
2024-09-13Bank of Ningbo Shanghai Branch, together with China Export & Credit Insurance Corporation Shanghai Branch, holds an export enterprise exchange meeting on the latest foreign trade policies in Pudong New Area, attended by over 80 entrepreneurs.宁波银行上海分行联合中国信保上海分公司举办“浦东新区最新外贸政策解读”出口企业交流会，80余位企业家代表参加。
2024-09-23Bank of Ningbo Shanghai Waitan Sub-branch and Shanghai Pudong Software Park co-host 'Metaverse Ideas Exchange' AI conference, promoting fintech and AI integration for tech enterprises.宁波银行上海外滩支行与上海浦东软件园共同举办“元宇宙畅想交流会”AI大会，促进金融科技与AI融合。
2024-11-10Bank of Ningbo partnered with 'Friend in Need' e-commerce academy to launch an industry leader IP event for small home appliance industry in Jinhua and Yiwu, focusing on livestream e-commerce.宁波银行与交个朋友电商学苑合作，在金华、义乌推出小家电产业带‘行业龙头企业’系列IP活动，聚焦直播电商。
2025-04-15Bank of Ningbo Suzhou branch co-organized a 'Visit to Lighthouse Factory' event at Xiaomi (小米) automotive super factory in Beijing, focusing on smart manufacturing and supply chain for Taicang auto parts enterprises.宁波银行苏州分行联合太仓市工信局、汽车零部件协会，组织走进北京小米汽车超级工厂考察活动，聚焦智能制造与供应链。
2025-05-19Bank of Ningbo Suzhou branch partnered with Qichacha Technology to host an event on digital-driven enterprise risk management and financial services, building a 'data + finance' service ecosystem.宁波银行苏州分行联合企查查科技举办“数智驱动，以信护航”主题活动，构建“数据+金融”立体化服务生态。
SME & inclusive finance lending小微与普惠金融贷款
4 · 2024-08-21 → 2024-12-26
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Launching products and initiatives to support small and micro enterprises.推出支持小微企业的产品与举措。
2024-08-21Ningbo Bank's Science and Technology Sub-branch signed a letter of intent with Yinzhou District Panhuo Street Chamber of Commerce to provide financial support for tech enterprises, launching products such as 'Patent Loan' and 'Technology Loan'.宁波银行科技支行与鄞州区潘火街道商会签署意向书，为科创企业提供金融支持，推出“专利贷”、“科技贷”等产品。
2024-12-03Ningbo Bank Shanghai Branch launched inclusive finance campaign, rolling out products like guarantee fund loans and credit insurance discount loans for tech and manufacturing SMEs, and online export loans.宁波银行上海分行开展普惠金融进万企活动，推出担保基金贷、信保贴息贷等产品，以及线上出口极贷、容易贷。
2024-12-19Ningbo Bank Shanghai Branch disbursed 20M yuan in working capital loans via the accounts receivable financing platform to support SMEs.宁波银行上海分行通过应收账款融资服务平台发放2000万元流动资金贷款，支持小微企业。
2024-12-26Ningbo Bank Wenzhou Branch's 'Export Micro Loan' product had cumulatively disbursed about 200M USD to over 200 SMEs by end-Nov 2024; upgraded product targets exporters with customs volume 1M-50M USD, max loan 2M USD, tenor up to 180 days.截至2024年11月末，宁波银行温州分行“出口微贷”累计投放约2亿美元，惠及200多家中小企业；升级后目标客户出口海关量100万-5000万美元，最高额度200万美元，期限最长180天。
Custody & account services托管与账户服务
2 · 2024-08-23 → 2026-07-07
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Expansion of third-party custody business and new corporate account openings for fund supervision.第三方托管业务的扩展和用于资金监管的新公司账户开立。
2024-08-23Shentong Technology (605228) announced it has opened a new special募集资金 account with Ningbo Bank and signed a tripartite supervision agreement with the bank and sponsor Zhejiang Securities for the 'Optical Lens Production Base Construction Project'.神通科技公告称，新增设立宁波银行募集资金专项账户，并与宁波银行、保荐机构浙商证券签署三方监管协议，用于“光学镜片生产基地建设项目”。
2026-07-07Bank of Ningbo launched ordinary custody business with Yuekai Securities, bringing its total partner securities firms for third-party custody to 80, of which 24 also offer credit custody.宁波银行新上线粤开证券股份有限公司的普通存管业务，三方存管合作证券公司增至80家，其中同时合作普通存管和信用存管的共24家。
Mortgage rate adjustments房贷利率调整
4 · 2024-09-02 → 2024-11-01
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Adjustments to existing mortgage loan interest rates in response to PBOC policies.响应央行政策调整存量房贷利率。
2024-09-02Bank of Ningbo states that the impact of existing mortgage rate cuts on profit is limited, as personal housing loans account for only 6.55% of total loans.宁波银行表示存量房贷利率下降对利润影响有限，个人住房贷款仅占全部贷款的6.55%。
2024-09-30Bank of Ningbo announces it will adjust existing mortgage rates in accordance with PBOC Notice No. 11 (2024), planning to release detailed rules on October 12 and complete batch adjustments by October 31, 2024.宁波银行公告将根据《中国人民银行公告〔2024〕第11号》调整存量房贷利率，拟于10月12日发布细则，10月31日前完成批量调整。
2024-10-14Bank of Ningbo announces adjustment of existing mortgage loan interest rates per PBOC notice, lowering LPR-plus spread to no more than -30BP for qualifying loans.宁波银行公告调整存量个人住房贷款利率，根据央行公告将加点幅度下调至LPR-30BP。
2024-11-01Bank of Ningbo announced adjustment mechanism for existing mortgage loan LPR spread and repricing cycle, effective from Nov 1, 2024.宁波银行宣布自2024年11月1日起调整存量房贷LPR加点值和重定价周期机制。
Industry events & forums行业活动与论坛
3 · 2024-09-12 → 2025-04-10
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Participation in industry conferences, summits, and forums, including Sibos, financial education campaigns, and investment matchmaking events.参与行业会议、峰会和论坛，包括Sibos、金融教育宣传月和投融资对接活动。
2024-09-12Bank of Ningbo participates in 2024 'Financial Education Publicity Month' campaign organized by Ningbo Financial Regulatory Bureau and other agencies, promoting anti-fraud and rational investment knowledge to the public.宁波银行参与宁波金融监管局等部门组织的2024年“金融教育宣传月”活动，向公众普及反诈防非和理性投资知识。
2024-10-23Bank of Ningbo attends Sibos 2024, meeting with JPMorgan, Citibank, Wells Fargo, Bank of America, HSBC, and others, reaching multiple cooperation consensuses on cross-border finance.宁波银行参加Sibos 2024年会，与摩根大通、花旗银行、富国银行、美国银行、汇丰银行等会面，达成多项跨境金融合作共识。
2025-04-10Bank of Ningbo hosted the New Quality Productive Forces Industry Investment and Financing Summit Forum & LPxGP Spring Matchmaking Event in Nanjing, with nearly 300 participants from LP, GP, and startup communities.宁波银行在南京主办新质生产力产业投融资高峰论坛暨LPxGP春季对接会，近300位LP、GP及创业项目代表参会。
Fee adjustments & waivers费用调整与减免
6 · 2024-10-08 → 2026-08-13
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Adjustments to service fees, including waivers for small businesses and new charges for SMS alerts.调整服务费用，包括对小微企业减免及新增短信提醒费用。
2024-10-08Bank of Ningbo extends fee reduction measures for small and micro enterprises for three years until 2027-09-30, waiving account opening fees, management fees, and certain transfer fees.宁波银行将小微主体支付手续费降费措施延长三年至2027年9月30日，免收单位结算账户开户手续费、管理费及部分转账手续费。
2024-12-27Ningbo Bank announced adjustment to certain fee items, effective after regulatory review.宁波银行公告拟调整部分收费项目并规范公示。
2025-07-29Ningbo Bank announced adjustments to certain fee items for regulatory compliance, effective from the announcement date.宁波银行公告调整部分收费项目并进行规范公示，自公告日起执行。
2025-08-07Bank of Ningbo adjusted personal debit card service fees: SMS alert fee 2 yuan/month from Nov 1, 2025; cross-bank ATM withdrawal fee 3.5 yuan/domestic, 1% (min 12 yuan) overseas; exemptions for seniors 60+, customers with monthly avg assets >=300k yuan, and social security card holders.宁波银行调整个人借记卡服务收费：自2025年11月1日起，短信费2元/月；跨行ATM取现境内3.5元/笔、境外按1%最低12元/笔；60岁以上、月日均资产30万以上、社保卡客户免收。
2025-10-23Bank of Ningbo announced it will start charging fees for personal account SMS transaction alerts, adjusting from a previously free service.宁波银行公告对个人客户账户动账短信通知服务开始收费，此前该服务为免费。
2026-08-13Bank of Ningbo announced adjustments to certain fee items with standardized disclosure, effective per national regulations.宁波银行公告拟调整部分收费项目并进行规范公示，根据国家有关规定执行。
Digital RMB & forex services数字人民币与外汇服务
2 · 2024-10-12 → 2025-11-11
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Developments in digital RMB operations and foreign exchange services.数字人民币业务及外汇服务的发展。
2024-10-12Bank of Ningbo unveils foreign exchange service plan for Canton Fair 136, including 'Bozhizhiliao' overseas client search tool and 'Credit Red-Green Light' for counterparty credit checks, with over 30,000 users on its FX JinGuanJia mini-program.宁波银行为第136届广交会定制外汇服务方案，推出‘波波知了’海外拓客助手和‘资信红绿灯’交易对手信用查询功能，外汇金管家小程序用户超3万。
2025-11-11Bank of Ningbo participated as strategic partner in the China International Freight Forwarding Expo, showcasing digital solutions for freight forwarding firms, including the 'Bobo Zhiliao' platform and 'Foreign Exchange Jin Guanjia' service.宁波银行作为行业战略合作伙伴参加中国国际货博会，展示货代行业数字化解决方案，包括'波波知了'平台和'外汇金管家'服务。
Yongying Financial Leasing永赢金租
3 · 2024-11-26 → 2026-08-19
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Capital injections, business development, and performance of the financial leasing subsidiary.金融租赁子公司的资本注入、业务发展及业绩。
2024-11-26Bank of Ningbo co-hosted Zhejiang Financing Lease Supporting Equipment Renewal Innovation Promotion Conference with Zheshang Bank and Zheshang General Chamber Financial Services Committee, and held Yongying Financial Leasing 'Equipment Home' Zhejiang launch ceremony.宁波银行联合浙商银行、浙商总会金融服务委员会举办浙江省融资租赁支持设备更新创新推广大会，并举行永赢金租‘设备之家’浙江发布仪式。
2025-12-15Ningbo Bank Beijing Free Trade Zone Sub-branch, together with its subsidiary Yongying Financial Leasing, provided a RMB 30 million 'multi-contract integrated direct leasing' solution to the National New Energy Vehicle Technology Innovation Center (Guochuang Auto) for laboratory equipment procurement.宁波银行北京自贸试验区支行联合子公司永赢金租，向国家新能源汽车技术创新中心（国创汽车）提供3000万元“多合同整合直租”方案，用于实验室设备采购。
2026-08-19Bank of Ningbo's subsidiaries contributed RMB 3.069bn net profit in H1 2026 (~18.5% of group); Yongying Financial Leasing net profit RMB 1.669bn, Ningyin Consumer Finance RMB 264m.宁波银行4家主要子公司上半年合计净利润30.69亿元（约占归母净利润18.5%）；永赢金租净利润16.69亿元，宁银消金净利润2.64亿元。
Awards & certifications奖项与认证
3 · 2024-12-07 → 2024-12-21
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Awards and recognitions received by the bank and its subsidiaries for various achievements.银行及其子公司因各项成就而获得的奖项和认可。
2024-12-07Ningbo Bank was awarded the 'Annual Outstanding Inclusive Finance Development Institution' Golden Cicada Award at the 2024 China Economic Summit.宁波银行在2024年中国经济峰会上被评选为金蝉奖“年度推动普惠发展优秀金融机构”。
2024-12-11Ningbo Bank won the '2024 Financial Industry Listed Company Outstanding Performance Award' at the China Business News forum.宁波银行在《中国经营报》论坛上荣膺“2024年度金融业上市公司卓越表现企业”。
2024-12-21Ningbo Bank won '2024 High-Quality Development Bank Tianji Award'; its subsidiaries Ningyin Xiaojin and Ningyin Wealth won 'Outstanding Consumer Finance Company' and 'Outstanding Bank Wealth Management Team' awards respectively.宁波银行荣获“2024年度高质量发展银行天玑奖”；子公司宁银消金、宁银理财分别获“杰出消费金融公司”“杰出银行理财团队”天玑奖。
Credit chain & regional lending信用链与区域贷款
1 · 2024-12-19
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Use of regional credit chain platforms to facilitate lending to enterprises in the Yangtze River Delta.利用区域信用链平台促进对长三角企业的贷款。
2024-12-19Ningbo Bank Shanghai Branch, using the Yangtze River Delta Credit Chain platform, had cumulatively lent to 762 borrowers as of Nov 2024, and provided a 20M yuan credit line to one cross-region enterprise.截至2024年11月，宁波银行上海分行依托长三角征信链平台累计放贷762户，并为一家跨区域企业提供2000万元授信。
Bond underwriting & issuance债券承销与发行
8 · 2025-02-25 → 2026-03-27
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Leading underwriting roles for various bonds and issuance of own bonds.担任各类债券的主承销商及发行自身债券。
2025-02-25Bank of Ningbo acted as sole lead underwriter for the first national hybrid science and technology innovation bond for university technology transfer.宁波银行作为独家主承销商成功发行全国首单高校科技成果转移转化混合型科创票据。
2025-05-12Bank of Ningbo acted as lead underwriter and bookrunner for the first national science and technology innovation bond (25 Huaguang Huanbao SCP007) of 200 million yuan, 270-day tenor, for Wuxi Huaguang Environmental Energy Group.宁波银行作为牵头主承销商及簿记管理人，为无锡华光环保能源集团发行全国首批科技创新债券“25华光环保SCP007（科创债）”，金额2亿元，期限270天。
2025-05-12Bank of Ningbo Beijing branch acted as lead underwriter for Beijing E-Town International Investment's first science and technology innovation bond of 500 million yuan, 5-year tenor, at a coupon rate of 1.94%.宁波银行北京分行主承销北京亦庄国际投资发展有限公司首单科技创新债券，金额5亿元，期限5年，票面利率1.94%。
2025-06-20Bank of Ningbo was rated 'A' in the NAFMII's first comprehensive evaluation of lead underwriters, marking a systemic breakthrough in bond underwriting and risk management. It ranked first among regional banks in bond underwriting for five consecutive years, with 2024 non-financial corporate debt financing instrument underwriting of CNY 259.6 billion.宁波银行在交易商协会首次主承销商综合评价中获评A档，连续五年保持区域性银行债券承销首位，2024年承销非金融企业债务融资工具规模达2596亿元。
2025-07-08Ningbo Bank issued a 5-year fixed-rate '2025 Sci-Tech Innovation Bond' of RMB 3 billion at a coupon rate of 1.71%, proceeds for sci-tech innovation lending.宁波银行发行5年期固定利率“2025年科技创新债券”30亿元，票面利率1.71%，募集资金专项用于科技创新领域贷款。
2025-08-13Bank of Ningbo acted as lead underwriter for Shanghai Electric Power Co., Ltd.'s 2.6B yuan short-term commercial paper (25 HuDianLi SCP008), underwriting 1.95B yuan (75% of the issue).宁波银行担任上海电力股份有限公司25沪电力SCP008主承销商，包销规模19.5亿元，占发行总额75%。
2026-01-21Bank of Ningbo led the underwriting of the first national commercial space-themed M&A note (并购票据) for Wuxi High-tech Zone Science and Technology Industry Development Group, with issuance size 200 million yuan, tenor 3+2 years, coupon 2.25%, subscription multiple 2.4x, proceeds used for acquiring Hongda Satellite Application Technology (Jiangsu) Co., Ltd.宁波银行牵头主承销全国首单商业航天主题并购票据，发行规模2亿元，期限3+2年，票面利率2.25%，认购倍数2.4倍，用于收购宏大卫星应用技术（江苏）有限公司。
2026-03-27Bank of Ningbo led underwriting of Jiangsu Litong Electronics' first sci-tech bond in Wuxi: 200 million yuan, 3-year, 2.5% coupon, proceeds for AI computing equipment.宁波银行牵头主承销江苏利通电子首笔无锡市民企科技创新债券：金额2亿元，期限3年，票面利率2.5%，募集资金用于AI算力设备。
Financial results & performance财务业绩与表现
28 · 2025-02-27 → 2026-08-19
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Annual and quarterly financial results, including net interest income, NIM, fee income, asset quality, capital adequacy, and other key performance indicators.年度和季度财务业绩，包括净利息收入、净息差、手续费收入、资产质量、资本充足率等关键绩效指标。
2025-02-27Bank of Ningbo disclosed that as of end-January 2025, deposit and loan balances both hit record highs for the same period; net interest margin has stabilized.宁波银行披露截至2025年1月末，存贷余额较年初增量均创同期新高；净息差已呈现企稳态势。
2025-04-09Bank of Ningbo 2024 net interest income 47.993 billion yuan (+17.32% YoY), non-interest income 18.638 billion yuan (27.97% of revenue); net interest margin 1.86% (down 2 bps YoY).宁波银行2024年利息净收入479.93亿元（同比+17.32%），非利息收入186.38亿元（占营收27.97%）；净息差1.86%（同比下降2个基点）。
2025-04-09Bank of Ningbo 2024 retail personal loan NPL ratio rose to 1.68% (+0.18 pct YoY), personal consumption loan NPL ratio 1.61%, personal loan NPL balance accounted for 83.32% of total NPL; personal business profit fell 30% YoY.宁波银行2024年零售个人贷款不良率升至1.68%（同比+0.18个百分点），个人消费贷不良率1.61%，个人贷款不良余额占全部不良的83.32%；个人业务利润同比下降30%。
2025-04-09Bank of Ningbo 2024 operating cash flow 85.005 billion yuan, down 50.97% YoY from 173.37 billion yuan.宁波银行2024年经营活动现金流量净额850.05亿元，同比下降50.97%（上年为1733.7亿元）。
2025-04-28Bank of Ningbo 2025 Q1 net interest margin 1.80%, down 6 bps from end-2024; net interest income 12.83 billion yuan (+11.6% YoY).宁波银行2025年一季度净息差1.80%，较上年末下降6个基点；利息净收入128.3亿元（同比+11.6%）。
2025-10-28Bank of Ningbo's Q3 2025 regulatory capital ratios: core Tier 1 CAR 9.21%, Tier 1 CAR 10.70%, CAR 14.62%; liquidity coverage ratio 113.92%; leverage ratio 5.54%.宁波银行2025年三季度监管资本比率：核心一级资本充足率9.21%，一级资本充足率10.70%，资本充足率14.62%；流动性覆盖率113.92%；杠杆率5.54%。
2026-05-152026 budget guidance: total assets +5.3%, deposits +5.2%, loans +6.7%; NIM expected to stabilize as large high-cost deposits mature.2026年预算指引：总资产增长5.3%，存款增长5.2%，贷款增长6.7%；预计随着大额高息存款到期，净息差将逐步企稳。
2026-05-152025 net interest margin (NIM) narrowed 12 bps to 1.74%; 2026Q1 NIM at 1.73%, up 6 bps QoQ, showing stabilization.2025年净息差收窄12个基点至1.74%；2026年一季度净息差1.73%，环比上升6个基点，呈现企稳态势。
2026-05-152025 fee & commission income 6.085B yuan (+30.72% YoY); 2026Q1 fee income 2.575B yuan (+81.72% YoY), driven by wealth management and asset management.2025年手续费及佣金净收入60.85亿元（同比+30.72%）；2026年一季度手续费净收入25.75亿元（同比+81.72%），受财富管理和资产管理业务驱动。
2026-05-152025 personal AUM reached 1.2757 trillion yuan, up 147.5 billion yuan (+13.07% YoY).2025年末个人客户金融总资产（AUM）达1.2757万亿元，较上年末增加1475亿元（+13.07%）。
2026-05-15Asset quality: NPL ratio 0.76% for 19 consecutive years; 2025 provision coverage 373.16%; 2026Q1 provision coverage 369.39%.资产质量：不良贷款率连续19年低于1%（0.76%）；2025年拨备覆盖率373.16%；2026年一季度拨备覆盖率369.39%。
2026-05-15Personal loan NPL ratio rose to 1.94% in 2025 (vs 1.83% in mid-2025); personal consumption loans accounted for 64.5% of total personal loans.2025年个人贷款不良率升至1.94%（2025年中为1.83%）；个人消费贷款占个人贷款总额的64.5%。
2026-05-152026Q1 net FX translation loss of 653 million yuan; management said it reflects hedging derivatives for client business, not actual risk exposure.2026年一季度汇兑损益亏损6.53亿元；管理层表示反映代客业务对冲衍生品，非实际风险敞口。
2026-08-19Bank of Ningbo's H1 fee and commission net income surged 53.90% YoY to RMB 4.317bn, accounting for 10.41% of revenue (+2.87pct YoY), driven by wealth distribution and asset management fees.宁波银行上半年手续费及佣金净收入同比增长53.90%至43.17亿元，占营业收入比重10.41%（同比+2.87个百分点），主要受财富代销及资产管理费收入增长带动。
2026-08-19Bank of Ningbo's H1 corporate loans grew 19.32% YTD to RMB 1.280trn, accounting for 65.66% of total loans; retail loans grew only 0.47% YTD.宁波银行上半年企业贷款较年初增长19.32%至12804.56亿元，占总贷款65.66%；个人贷款较年初仅增长0.47%。
2026-08-19Bank of Ningbo's H1 deposits reached RMB 2.294trn (+13.33% YTD), demand deposit ratio 35.57%, deposit cost rate down 39bp YoY to 1.32%.宁波银行上半年客户存款总额22947.60亿元（较年初+13.33%），活期存款占比35.57%，存款付息率同比下降39个基点至1.32%。
2026-08-19Bank of Ningbo's H1 net interest income grew 14.26% YoY to RMB 29.394bn; NIM was 1.70%, down 6bp YoY with narrowing decline.宁波银行上半年利息净收入同比增长14.26%至293.94亿元；净息差1.70%，同比下降6个基点，降幅收窄。
2026-08-19Bank of Ningbo's private banking AUM reached RMB 420.6bn (+RMB 84.1bn YTD), average AUM per client RMB 12.2m.宁波银行私人银行客户金融总资产（AUM）达4206亿元（较年初+841亿元），户均总资产1220万元。
2026-08-19Bank of Ningbo's H1 tech loans reached RMB 220.507bn and digital industry loans RMB 50.004bn as of June 2026.截至2026年6月末，宁波银行科技贷款余额2205.07亿元，数字产业贷款余额500.04亿元。
2026-08-19Bank of Ningbo's H1 cost-to-income ratio improved 3.19pct YoY to 27.17%; business and management expenses decreased RMB 21m.宁波银行上半年成本收入比同比下降3.19个百分点至27.17%；业务及管理费用同比下降0.21亿元。
2026-08-19Bank of Ningbo's H1 capital adequacy ratio was 14.64% (+0.34pct YTD), core tier-1 capital adequacy ratio 9.53%.宁波银行上半年资本充足率14.64%（较年初+0.34个百分点），核心一级资本充足率9.53%。
2026-08-19Bank of Ningbo's H1 NPL balance RMB 14.794bn, NPL ratio 0.76% (flat YTD), NPL ratio below 1% for 19 consecutive years since 2007 listing.宁波银行上半年不良贷款余额147.94亿元，不良贷款率0.76%（与上年末持平），自2007年上市以来连续19年不良率低于1%。
2026-08-19Bank of Ningbo's H1 fee and commission income grew 57.92% YoY to RMB 5.873bn, with agency business income up 67.19%.宁波银行上半年手续费及佣金收入同比增长57.92%至58.73亿元，其中代理类业务收入增长67.19%。
2026-08-19Bank of Ningbo's H1 ROE (annualized weighted) rose to 14.24%, up 44bp YoY.宁波银行上半年年化加权平均ROE提升至14.24%，同比上升44个基点。
2026-08-19Bank of Ningbo's H1 non-interest income was RMB 12.056bn (+5.44% YoY); other non-interest income fell 10.3% YoY with narrowing decline.宁波银行上半年非利息收入120.56亿元（同比+5.44%）；其他非息收入同比下降10.3%，降幅收窄。
2026-08-19Bank of Ningbo's H1 retail loans turned positive (+0.47% YTD) after negative growth; consumer loan NPL ratio peaked and fell to 1.78% at end-Q2 2026 (-7bp from end-2025).宁波银行上半年个人贷款增速由负转正（较年初+0.47%）；个人消费贷款不良率触顶回落，2026年二季度末为1.78%（较2025年末-7个基点）。
2026-08-19Bank of Ningbo's H1 attention loan ratio was 1.04% at end-Q2 2026, down 2bp QoQ; NPL formation rate down 16bp YoY.宁波银行2026年二季度末关注类贷款占比1.04%，环比下降2个基点；不良生成率同比下降16个基点。
2026-08-19Bank of Ningbo's H1 loan yield was 3.86% (-52bp YoY), deposit cost rate 1.32% (-39bp YoY), NIM 1.70% (-6bp YoY).宁波银行上半年贷款收益率3.86%（同比-52个基点），存款成本率1.32%（同比-39个基点），净息差1.70%（同比-6个基点）。
Risk management & NPL disposal风险管理与不良贷款处置
4 · 2025-03-14 → 2026-08-17
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Initiatives related to non-performing loan transfers, overdue bill clarifications, and internal risk management rule revisions.与不良贷款转让、逾期票据澄清和内部风险管理规则修订相关的举措。
2025-03-14Bank of Ningbo launched batch transfer of non-performing personal loans: 2025 Series 1 (credit card and personal business NPLs, total claims over 600 million yuan), and Series 2-4 (personal consumption and business loans, total unpaid principal and interest 1.133 billion yuan, 18,565 borrowers).宁波银行批量转让个人不良贷款：2025年第1期（信用卡及个人经营性不良，债权超6亿元），第2-4期（个人消费及经营贷，未偿本息合计11.33亿元，涉及18,565户借款人）。
2026-05-15Bank confirmed a 5,578 yuan overdue bill due to court-ordered freeze; now settled with zero overdue balance.确认一笔5578元票据逾期系法院冻结止付所致；现已结清，逾期余额为零。
2026-07-02Shanghai Commercial Paper Exchange data showed Bank of Ningbo had bill overdue of 5,578.18 yuan as of March 31, with cumulative overdue of 6.1951 million yuan; the bank said the bill was settled on May 15.上海票据交易所数据显示，截至3月31日宁波银行票据逾期金额为5578.18元，累计逾期发生额619.51万元；该行于5月15日称该笔票据已结清。
2026-08-17Bank of Ningbo's 9th board 4th meeting approved internal audit plan, related-party transaction report, and revised comprehensive risk management implementation rules.宁波银行第九届董事会第四次会议审议通过2026年上半年内部审计计划、关联交易执行情况报告及修订全面风险管理实施细则等议案。
Other developments其他动态
2 · 2025-04-10 → 2026-02-27
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Assorted one-off developments.零散的一次性动态。
2025-04-10Bank of Ningbo stated it has no plan to establish a financial asset investment company (金融资产投资公司) in response to investor inquiry on the NFA's expanded pilot program.宁波银行回应投资者提问，表示尚无设立金融资产投资公司的相关计划。
2026-02-27SoftBank Power (iSoftStone) changed its Chengdu delivery center project fund account from China Construction Bank to Bank of Ningbo Beijing Xicheng sub-branch.软通动力将成都交付中心项目募集资金专户由中国建设银行变更至宁波银行北京西城支行。
Capital management & funding plans资本管理与融资计划
2 · 2025-04-29 → 2026-05-15
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Plans for issuing capital-type bonds, capital adequacy ratio disclosures, and related regulatory capital matters.发行资本类债券的计划、资本充足率披露及相关监管资本事项。
2025-04-29Bank of Ningbo disclosed at performance briefing that it plans to issue up to 45 billion yuan in capital-type bonds; end-2024 capital adequacy ratio was 15.32%.宁波银行在业绩说明会上披露，已计划发行不超过450亿元资本类债券；2024年末资本充足率为15.32%。
2026-05-15Plans to apply for the Advanced Measurement Approach (AMA) for capital计量, having formulated the implementation plan for credit risk internal ratings-based (IRB) approach.计划申请资本计量高级方法，已制定信用风险内部评级法实施规划。
Credit ratings信用评级
3 · 2025-05-12 → 2026-05-19
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Receiving credit ratings and outlooks from international rating agencies.获得国际评级机构授予的信用评级和展望。
2025-05-12Moody's affirmed Bank of Ningbo's Baa2/P-2 deposit ratings, ba1 BCA, stable outlook; cited stable asset quality, capital adequacy, profitability, and high likelihood of government support.穆迪确认宁波银行Baa2/P-2存款评级、ba1基础信用评估，展望稳定；认为资产质量、资本充足率、盈利能力稳定，政府支持可能性高。
2025-06-12S&P assigned Bank of Ningbo 'BBB' long-term and 'A-2' short-term issuer credit ratings with stable outlook, citing mature business in high-income regions and adequate funding.标普授予宁波银行'BBB'长期和'A-2'短期发行人信用评级，展望稳定，认为其在高收入地区业务成熟、融资充足。
2026-05-19Moody's affirmed Baa2/P-2 long/short-term local & foreign currency deposit ratings with stable outlook.穆迪维持Baa2/P-2长期/短期本外币存款评级，展望稳定。
Equity investments in enterprises企业股权投资
6 · 2025-06-28 → 2025-08-28
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Making minority equity investments in various companies.对多家公司进行少数股权投资。
2025-06-28Bank of Ningbo made an equity investment in Zhejiang Jasan Holding Group Co., Ltd., holding a 2.73% stake, with registered capital of CNY 353.18 million, expanding its investment portfolio.宁波银行新增对外投资浙江健盛集团股份有限公司，持股占比2.73%，注册资本35318.31万元。
2025-08-12Bank of Ningbo invested in Wuhan DR Laser Technology Co., Ltd., holding 1.07% stake; the company is in computer, communication and other electronic equipment manufacturing.宁波银行对外投资武汉帝尔激光科技股份有限公司，持股占比1.07%，该公司从事计算机、通信和其他电子设备制造业。
2025-08-20Bank of Ningbo invested in Runben Biotechnology Co., Ltd., holding 0.41% stake; the company is in chemical raw materials and chemical products manufacturing.宁波银行对外投资润本生物技术股份有限公司，持股占比0.41%，该公司从事化学原料和化学制品制造业。
2025-08-23Bank of Ningbo invested in ChineseAll Group Co., Ltd., holding 0.69% stake; the company is in news and publishing industry.宁波银行对外投资中文在线集团股份有限公司，持股占比0.69%，该公司从事新闻和出版业。
2025-08-27Bank of Ningbo invested in Jiangsu Yaxing Anchor Chain Co., Ltd., holding 0.46% stake; the company is in railway, ship, aerospace and other transport equipment manufacturing.宁波银行对外投资江苏亚星锚链股份有限公司，持股占比0.46%，该公司从事铁路、船舶、航空航天和其他运输设备制造业。
2025-08-28Bank of Ningbo invested in Youyou Foods Co., Ltd., holding 0.47% stake; the company is in food manufacturing.宁波银行对外投资有友食品股份有限公司，持股占比0.47%，该公司从事食品制造业。
Trademarks & intellectual property商标与知识产权
1 · 2025-07-18
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Filing of new trademark applications and management of the bank's intellectual property portfolio.提交新的商标申请和管理银行的知识产权组合。
2025-07-18Ningbo Bank filed 4 new trademark applications, bringing its total registered trademarks to 994, with 30 more pending.宁波银行新提交4件商标注册申请，截至目前共持有注册商标994件，另有30件尚在申请中。
Subsidiaries & affiliates子公司与关联机构
1 · 2025-08-28
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Updates and performance of the bank's subsidiaries, including fund management, wealth management, and consumer finance companies.银行子公司的更新和业绩，包括基金管理、理财和消费金融公司。
2025-08-28Bank of Ningbo disclosed that Yongying Fund (subsidiary) had public fund AUM of 544.7B yuan (non-money market 358.6B yuan), total assets 3.592B yuan, net assets 2.764B yuan, revenue 897M yuan, net profit 182M yuan in H1 2025.宁波银行披露子公司永赢基金公募规模5447亿元（非货3586亿元），总资产35.92亿元，净资产27.64亿元，上半年营收8.97亿元，净利润1.82亿元。
Trust product valuation services信托产品估值服务
1 · 2025-11-05
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Termination of valuation services for a specific cash management trust product due to negative net asset value.因净资产为负，终止对特定现金管理信托产品的估值服务。
2025-11-05Bank of Ningbo notified a trust company that it will terminate valuation services for a cash management trust product (e.g., Banian Zengli No.1) from November 5, 2025, due to negative net asset value (-0.16 yuan/unit).宁波银行通知某信托公司，自2025年11月5日起终止对现金管理类信托产品（如半年增利1号）的估值服务，该产品单位净值为负（-0.16元/份）。
Digital HR & treasury management数字化HR与财资管理
1 · 2025-12-26
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Launch of Digital HR 3.0 and related human resources management systems.推出Digital HR 3.0及相关人力资源管理系统。
2025-12-26Ningbo Bank's 'Digital HR 3.0' was selected as a 'Technology-empowered Financial Development Case' in the 2025 Golden Dragon Financial Power Cases by Financial Times.宁波银行“数字人力3.0”入选金融时报社2025年度金龙·金融力量“科技赋能金融发展案例”。
Branch expansion & strategy分行扩张与战略
1 · 2026-05-15
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Statements regarding plans for opening new branches or subsidiaries in different regions.关于在不同地区开设新分行或子公司的计划声明。
2026-05-15No plans to open new branches outside current regions (Zhejiang, Beijing, Shanghai, Shenzhen, Nanjing, Suzhou, Wuxi); no new subsidiaries or overseas branches.暂无在现有区域（浙江、北京、上海、深圳、南京、苏州、无锡）以外开设新分行的计划；暂无增设子公司或境外分支机构的计划。
