营收、净利双双提速，宁波银行上半年净利润近150亿

Core Insights - Ningbo Bank reported a revenue of 37.16 billion yuan for the first half of 2025, representing a year-on-year growth of 7.9%, and a net profit attributable to shareholders of 14.77 billion yuan, up 8.2% year-on-year [2][4] Financial Performance - Revenue for the first half of 2025 was 37.16 billion yuan, compared to 34.44 billion yuan in the same period of 2024, marking a 7.91% increase [3] - Operating profit reached 16.12 billion yuan, a 3.09% increase from 15.63 billion yuan in 2024 [3] - Total profit was 16.05 billion yuan, up 3.18% from 15.56 billion yuan [3] - Basic earnings per share increased to 2.24 yuan, an 8.21% rise from 2.07 yuan [3] - The annualized return on average equity decreased by 0.94 percentage points to 13.80% [3] Asset Quality - As of June 2025, the non-performing loan ratio remained stable at 0.76%, unchanged from the end of the first quarter [5] - The provision coverage ratio improved to 374.16%, up 3.62 percentage points from the previous quarter, indicating enhanced risk mitigation capacity [5] - The core Tier 1 capital adequacy ratio increased by 0.33 percentage points to 9.65% [5] Loan and Deposit Growth - Total loans and advances reached 1.67 trillion yuan, with a year-on-year growth of 13.36% [4] - The growth rate of loans and advances was 18.7%, although it decreased by 1.7 percentage points compared to the end of the first quarter [4] - Total deposits amounted to 2.08 trillion yuan, reflecting a year-on-year increase of 12.7%, but a decline of 4.9 percentage points from the end of the first quarter [4]