宁波银行前三季度净利润224.45亿元 同比增8.39%

Core Viewpoint - Ningbo Bank reported strong financial performance for the first three quarters of 2025, with total assets exceeding 3.5 trillion yuan, reflecting a 14.50% increase from the beginning of the year, and a net profit of 22.445 billion yuan, up 8.39% year-on-year [1][2]. Group 1: Financial Performance - As of September 30, 2025, Ningbo Bank's total assets reached 357.8396 billion yuan, marking a significant milestone by surpassing 3.5 trillion yuan, with a year-to-date growth of 14.50% [2]. - The total loans and advances amounted to 171.6823 billion yuan, representing a 16.31% increase from the start of the year, while total deposits reached 204.7804 billion yuan, up 11.52% [2]. - The bank achieved a net profit attributable to shareholders of 22.445 billion yuan for the first three quarters, reflecting an 8.39% year-on-year growth, and reported an operating income of 54.976 billion yuan, which is an 8.32% increase [3]. Group 2: Asset Quality and Risk Management - Ningbo Bank maintained a non-performing loan (NPL) ratio of 0.76%, consistent with the beginning of the year, indicating strong asset quality [4]. - The bank's provision coverage ratio stood at 375.92%, with a provision for loan losses ratio of 2.85%, demonstrating robust risk management capabilities [4]. - Since its listing in 2007, Ningbo Bank has maintained an NPL ratio below 1% for 18 consecutive years, ensuring a solid foundation for sustainable growth [4]. Group 3: Strategic Focus and Business Development - The bank continues to implement a differentiated business strategy, focusing on serving the real economy and enhancing service quality [1][2]. - Ningbo Bank has developed a diversified profit structure with nine profit centers, including corporate banking, retail banking, wealth management, and investment banking, which are all contributing to stable earnings [3]. - The bank emphasizes a commitment to customer service and aims to strengthen its core competitiveness by addressing differentiated customer needs [4].