宁波银行首度开展中期分红，近20亿元“红包”回馈投资者

Core Viewpoint - Ningbo Bank has successfully distributed its first interim cash dividend, amounting to 1.5 billion yuan, reflecting its commitment to shareholder returns and strong financial performance since its listing in 2007 [1] Group 1: Dividend Distribution - The bank distributed a cash dividend of 3 yuan per 10 shares, totaling 1.981 billion yuan based on a total share capital of 6.604 billion shares [1] - This marks the first interim dividend for Ningbo Bank, aligning with its shareholder return plan for 2025-2027 [1] - Cumulatively, the bank has distributed approximately 37.8 billion yuan in cash dividends since its IPO, surpassing the total funds raised through various equity financing methods [1] Group 2: Profit Resilience - Despite industry-wide profit pressures, Ningbo Bank has maintained a solid profit level, supported by a diversified profit structure [2] - The bank has developed nine profit centers, including corporate banking, retail banking, wealth management, and investment banking, enhancing its competitive edge [2] - The bank's net commission income increased by 29.3% year-on-year to 4.85 billion yuan in the first three quarters, driven by wealth distribution and asset management [2] Group 3: Financial Performance - In the first three quarters, Ningbo Bank reported a net profit of 22.445 billion yuan, a year-on-year increase of 8.39%, and operating income of 54.976 billion yuan, up 8.32% [3] - The bank's asset total reached 3.58 trillion yuan by the end of September, a 14.5% increase from the beginning of the year [4] Group 4: Asset Quality - Ningbo Bank has maintained a non-performing loan ratio of 0.76%, remaining stable since the beginning of the year, with a provision coverage ratio of 375.92% [5] - The bank has kept its non-performing loan ratio below 1% for 18 consecutive years, ensuring a strong foundation for sustainable development [5] Group 5: Strategic Focus - The bank emphasizes a differentiated operational strategy, focusing on regional development and supporting the real economy, which has led to significant growth in its asset scale [4] - Ningbo Bank aims to enhance its competitive advantage through a multi-faceted approach to growth and stringent risk management practices [6]