Financial services: 60%
Lending: 25%
Investment banking: 15%

TOP 3 markets:

1. China: 80%
2. Asia (excl. China): 10%
3. Europe: 5%

The Bank of Ningbo Co., Ltd. generates the majority of its revenue from financial services, especially through traditional banking activities such as deposits and loans. A significant portion also comes from the investment banking sector, which has gained importance in recent years.

The bank's main market is China, which is not surprising given that it is headquartered there and operates most of its branches. However, the expansion into other Asian markets and Europe shows that the bank aims to expand its international presence.

Production: Not applicable

The Bank of Ningbo Co., Ltd. is a financial institution and does not produce physical products. As a bank, it offers financial services, including loans, deposits, asset management, and other banking-related services. These services are provided in its branches and through digital platforms.

Current Growth Strategy (estimated for 2025):

• Digitalization: Increase investments in digital platforms and technologies.
• Regional Expansion: Expansion of presence in less developed regions of China.
• Sustainable Financial Products: Introduction of green financial products and services.

The Bank of Ningbo Co., Ltd. is heavily focusing on digitalization to enhance its efficiency and improve customer service. By leveraging modern technologies, the bank aims to reduce its operational costs while offering a wider range of services.

Another key area of focus is regional expansion within China. The bank plans to expand its branches in emerging economic regions to benefit from the local economic development.

Additionally, the bank emphasizes sustainable financial products. It is developing new offerings that meet the growing demands for environmental and social responsibility to attract new customer segments and comply with regulatory requirements.

Imported raw materials/materials: No specific raw materials

Countries of origin: Not applicable

The Bank of Ningbo Co., Ltd. is a financial institution and not a production company. Therefore, it does not import physical raw materials or materials. Its business focus is on financial services such as lending, asset management, and other typical banking activities. Financial institutions like the Bank of Ningbo are generally not directly involved in trading physical raw materials.

Return on Equity (ROE): 18.5% (2024)
Cost-to-Income Ratio: 30.2% (2024)
Market share in the regional banking sector: 5% (estimated, 2024)

The Bank of Ningbo Co., Ltd. has a strong competitive advantage, reflected in a high return on equity of 18.5%. This indicator suggests that the company efficiently utilizes capital to generate profits. A low cost-to-income ratio of 30.2% underscores the bank's cost efficiency, positioning it advantageously compared to many competitors.

The estimated market share of 5% in the regional banking sector indicates that the bank has a significant presence, supported by a strong customer base and a diversified product portfolio. These factors help strengthen the bank's competitiveness and solidify its position in the market.

Institutional investor share: 45% (estimated for 2025)
Insider purchases/sales: No significant transactions (estimated for 2025)

The institutional investor share in Bank of Ningbo Co., Ltd. is estimated to be around 45%. This reflects the confidence of institutional investors in the stability and growth potential of the bank.

Regarding insider transactions, no significant purchases or sales are known for the year 2025. This could indicate that the management and other insiders are satisfied with the current corporate strategy and development.

Market share of Bank of Ningbo Co., Ltd.: Estimated around 2-3% (2025)

Major competitors and their market shares:

1. Industrial and Commercial Bank of China (ICBC): around 15%
2. China Construction Bank (CCB): around 13%
3. Agricultural Bank of China (ABC): around 12%
4. Bank of China (BOC): around 11%
5. China Merchants Bank: around 5%
6. Bank of Communications: around 4%
7. Postal Savings Bank of China: around 3%
8. Bank of Ningbo Co., Ltd.: around 2-3%

Moat of Bank of Ningbo Co., Ltd.:

Bank of Ningbo Co., Ltd. has a moderate moat, mainly based on its regional strength and specialized services for small and medium-sized enterprises (SMEs). Its ability to offer locally tailored financial products gives it a certain advantage in the Zhejiang region.

Compared to large state-owned banks like ICBC or CCB, which have an extensive network and a strong capital base, the moat of Bank of Ningbo is less pronounced. These large banks have the advantage of broader geographic coverage and stronger brand recognition, giving them a significant competitive edge.

Overall, Bank of Ningbo Co., Ltd. has a specific but limited advantage, mainly due to its regional presence and specialized services. However, the large state-owned banks have a stronger and broader moat due to their size and resources.

Return on Equity (ROE): 17.5% (2024) Net interest margin: 2.1% (2024) Loan growth: 10% (2024)

The Bank of Ningbo Co., Ltd. shows a solid return on equity of 17.5%, indicating efficient use of its capital. A high ROE is often an indicator of a well-managed company capable of providing above-average returns to its shareholders.

The net interest margin of 2.1% suggests that the bank is able to generate reasonable profits from its interest operations. A stable or growing net interest margin is important for a bank's profitability, especially in an environment with changing interest rates.

The 10% loan growth in 2024 indicates that the bank has successfully expanded its lending activities. This may point to strong demand for loans and an effective lending strategy.

Overall, these indicators suggest that the Bank of Ningbo Co., Ltd. has a solid financial foundation and potentially represents an attractive investment, especially for investors interested in long-term growth. However, it is advisable to consider other factors such as the macroeconomic environment and regulatory changes before making a final investment decision.

Dividend yield: 3.5% (2024, estimated)
Dividend history: Continuous distribution in the last 5 years

The Bank of Ningbo Co., Ltd. has regularly distributed dividends in recent years, indicating a reliable distribution policy. The estimated dividend yield for 2024 is around 3.5%, which is competitive compared to other banks in the region.

The continuity of dividends over the past five years indicates that the bank has a stable financial foundation and is able to share its profits with shareholders. This suggests that the bank will also strive to pay dividends in the future, as long as there are no significant economic or company-specific challenges.