宁波银行2025年业绩快报：归母净利润293亿元 同比增8.13%

Core Insights - Ningbo Bank reported a total operating income of 71.968 billion yuan for the year 2025, reflecting a year-on-year growth of 8.01% [2] - The net profit attributable to shareholders reached 29.333 billion yuan, with a year-on-year increase of 8.13% [2] - The non-performing loan ratio stood at 0.76%, with a provision coverage ratio of 373.16% [2] Financial Performance - Total loans and advances amounted to 1,733.313 billion yuan, an increase of 257.25 billion yuan, representing a growth of 17.43% [2] - Total deposits reached 2,024.883 billion yuan, with an increase of 188.538 billion yuan; demand deposits accounted for 70.84% of the new deposits [2] - 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 [2] Operational Strategy - The bank maintained its commitment to customer service and effectively implemented its financial strategies, contributing to steady operational performance and high-quality development [2] - Since its listing in 2007, Ningbo Bank has maintained a non-performing loan ratio below 1% for 18 consecutive years, ensuring a strong foundation for sustainable growth [2]