宁波银行2025年度业绩快报：归母净利润293亿元，同比增8.13%

Core Viewpoint - Ningbo Bank reported a steady growth in its financial performance for the year 2025, achieving a revenue of 71.968 billion yuan and a net profit of 29.333 billion yuan, reflecting a year-on-year increase of 8.01% and 8.13% respectively, while maintaining a low non-performing loan ratio of 0.76% [1] Financial Performance - The total operating income for 2025 reached 71.968 billion yuan, marking an 8.01% increase compared to the previous year [1] - The net profit attributable to shareholders was 29.333 billion yuan, which is an 8.13% year-on-year growth [1] - The non-performing loan ratio stood at 0.76%, indicating strong asset quality [1] - The provision coverage ratio was reported at 373.16%, showcasing a robust risk management framework [1] Loan and Deposit Growth - Total loans and advances amounted to 1,733.313 billion yuan, an increase of 257.25 billion yuan or 17.43% from the beginning of the year [1] - Total deposits reached 2,024.883 billion yuan, with an increase of 188.538 billion yuan, where demand deposits accounted for 70.84% of the new deposits [1] - The interest-bearing deposit rate decreased by 33 basis points year-on-year, with a December 2025 rate of 1.42%, down 44 basis points from the previous year [1] Asset Quality and Sustainability - Since its listing in 2007, Ningbo Bank has maintained a non-performing loan ratio below 1% for 18 consecutive years, ensuring a focus on business expansion and financial services [1] - The bank's commitment to high-quality development is reflected in its strategic initiatives and adherence to customer-centric principles [1]