2025年宁波银行实现归母净利润293亿元，同比增8.13%

Core Viewpoint - Ningbo Bank reported a solid performance for the year 2025, with significant growth in both revenue and net profit, while maintaining a low non-performing loan ratio, indicating strong asset quality and effective management strategies [1][3]. Financial Performance - In 2025, Ningbo Bank achieved an operating income of 71.968 billion yuan, a year-on-year increase of 8.01% [1] - The net profit attributable to shareholders reached 29.333 billion yuan, reflecting a growth of 8.13% compared to the previous year [1] - Net interest income was 53.161 billion yuan, up 10.77%, while net fee and commission income rose by 30.72% to 6.085 billion yuan, indicating robust growth in light capital business [1] Asset Quality - As of the end of 2025, the total loans and advances amounted to 1.733 trillion yuan, an increase of 257.25 billion yuan, or 17.43% from the beginning of the year [1] - The non-performing loan balance stood at 13.147 billion yuan, with a non-performing loan ratio of 0.76%, unchanged from the previous year [3] - The provision coverage ratio was 373.16%, indicating a strong buffer against potential loan losses [3] Customer Base and Deposits - By the end of 2025, Ningbo Bank served 746,100 corporate clients, an increase of 89,600 clients, including 67,700 import and export enterprises, which grew by 4,912 clients [2] - The total deposits reached 2.024883 trillion yuan, with an increase of 188.538 billion yuan, where 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 [2] Business Highlights - Personal customer financial assets (AUM) totaled 1.2757 trillion yuan, a year-on-year growth of 13.07% [2] - The number of private banking clients increased by 15.20% to 28,901 [2] - The scale of custody business reached 5.3734 trillion yuan, reflecting a growth of 13.27% [2] - The bank effectively managed costs, with business and management expenses decreasing by 0.51% and the cost-to-income ratio dropping by 2.8 percentage points [2] Strategic Focus - Ningbo Bank emphasized the importance of strong leadership and adherence to customer-centric principles, which contributed to steady operational improvements and high-quality development [3] - The bank has maintained a non-performing loan ratio below 1% for 18 consecutive years since its listing in 2007, showcasing its commitment to sustainable growth [3] Institutional Standing - Ningbo Bank is recognized as a significant regional bank in China and ranks 72nd in the "2025 Global Top 1000 Banks" list by The Banker magazine [3]