宁波银行2024年业绩亮眼：营收净利双双增长，非息收入占比28%

Core Viewpoint - Ningbo Bank has demonstrated resilience in a challenging banking environment in 2024, achieving significant growth in total assets and net profit while maintaining strong asset quality metrics [1][2]. Group 1: Financial Performance - As of the end of 2024, Ningbo Bank's total assets reached 3.13 trillion yuan, a year-on-year increase of 15.25% [2]. - The bank's net profit attributable to shareholders was 27.127 billion yuan, reflecting a growth of 6.23% compared to the previous year [3]. - The bank's operating income for 2024 was 66.631 billion yuan, with a year-on-year increase of 8.19% [3]. Group 2: Asset Quality and Risk Management - Ningbo Bank maintained a non-performing loan (NPL) ratio of 0.76% and a provision coverage ratio of 389.35%, indicating strong asset quality [1][4]. - The bank's non-performing loan balance stood at 11.267 billion yuan, showcasing effective risk management practices [4]. - Capital adequacy ratios were robust, with a capital adequacy ratio of 15.32% and a core tier 1 capital ratio of 9.84% as of the end of 2024 [4]. Group 3: Strategic Initiatives - The bank has focused on diversifying its profit sources, establishing nine profit centers within its main operations and four in its subsidiaries [2]. - Ningbo Bank has emphasized a differentiated operational strategy, enhancing its service to small and medium enterprises and leveraging technology for ecosystem development [1][2]. - The bank's commitment to serving the real economy and adhering to financial principles has been highlighted as a core aspect of its operational strategy [3].