宁波银行前三季度净利224.45亿增8.39%，不良贷款率0.76%

Core Insights - Ningbo Bank reported a net profit of 22.445 billion yuan for the first three quarters of 2025, representing a year-on-year increase of 8.39% [2] - The bank's operating income for the same period reached 54.976 billion yuan, also up by 8.32% year-on-year [2] - The annualized weighted average return on equity stood at 13.81% [2] Financial Performance - In Q3 2025, Ningbo Bank achieved a net profit of 7.673 billion yuan, reflecting a year-on-year growth of 8.71% [2] - The operating income for Q3 was 17.816 billion yuan, marking a 9.19% increase compared to the same quarter last year [2] - As of September 30, 2025, the total assets of Ningbo Bank amounted to 3,578.396 billion yuan, a growth of 14.50% since the beginning of the year [2] - The total loans and advances reached 1,716.823 billion yuan, increasing by 16.31% year-to-date [2] - Total deposits were reported at 2,047.804 billion yuan, up by 11.52% from the start of the year [2] Asset Quality - As of September 30, 2025, the non-performing loan ratio remained stable at 0.76%, unchanged from the beginning of the year [3] - The non-performing loan balance increased to 12.995 billion yuan, up by 17.28% from the end of the previous year [3] - The provision coverage ratio was reported at 375.92%, with a provision for loan losses ratio of 2.85% [3]