宁波银行前三季度净利润破220亿元，中间业务收入加速回升

Core Insights - Ningbo Bank reported a total asset of 3.58 trillion yuan as of September 2025, marking a 14.5% increase from the beginning of the year, and achieving a significant milestone of surpassing 3.5 trillion yuan for the first time [2][3] - The bank's operating income for the first three quarters reached 54.98 billion yuan, reflecting an 8.3% year-on-year growth, while net profit was 22.59 billion yuan, up 8.7% year-on-year, indicating an acceleration in revenue and profit growth compared to the first half of the year [2][3] Financial Performance - As of September 2025, total loans and advances amounted to 17.2 trillion yuan, a 16.3% increase from the start of the year, while total deposits reached 20.5 trillion yuan, growing by 11.5% [3] - The annualized weighted average return on equity stood at 13.81% [3] Revenue Breakdown - Net interest income for the first three quarters was 39.5 billion yuan, up 11.8% year-on-year, with its share of total revenue rising to 71.8% [4] - Net fee and commission income surged to 4.85 billion yuan, a significant increase of 29.3% compared to the previous year, driven primarily by growth in wealth distribution and asset management services [4] - Investment income reached 9.93 billion yuan, reflecting an 11.3% year-on-year increase, while fair value changes resulted in a loss of 500 million yuan, a decrease of 2.59 billion yuan compared to the previous year [4] Asset Quality - The non-performing loan ratio remained stable at 0.76% as of September 2025, consistent with the beginning of the year, while the provision coverage ratio was 375.92%, indicating strong risk mitigation capabilities [5] - Ningbo Bank has maintained a non-performing loan ratio below 1% for 18 consecutive years since its listing in 2007 [5] Risk Management - The bank emphasized its commitment to risk management, stating that "operating a bank is about managing risks," and aims to uphold a risk baseline as a fundamental operational goal [5]