营收破700亿！宁波银行2025年营收、净利增速破“8”

Core Viewpoint - Ningbo Bank reported strong financial performance for the year 2025, with significant growth in both revenue and net profit, indicating a robust operational strategy and market position [2][5]. Financial Performance - Total operating revenue for 2025 reached 71.968 billion yuan, an increase of 8.01% year-on-year [4][5]. - Net profit attributable to shareholders was 29.333 billion yuan, reflecting an 8.13% growth compared to the previous year [4][5]. - The bank's net interest income was 53.161 billion yuan, up 10.77%, while net fee and commission income surged by 30.72% to 6.085 billion yuan, showcasing strong growth in light capital business [4][7]. Asset and Liability Management - As of December 31, 2025, total assets amounted to 3.6286 trillion yuan, a 16.11% increase from the previous year [4][5]. - Total loans and advances reached 1.733 trillion yuan, marking a 17.43% growth [4][5]. - Total liabilities were 3.3799 trillion yuan, up 16.91%, with customer deposits totaling 2.0249 trillion yuan, a 10.27% increase [4][5]. Customer Base and Business Growth - The bank served 746,100 corporate clients by the end of 2025, an increase of 89,600 clients from the previous year [5]. - The number of foreign trade enterprise clients rose to 67,700, with international settlement volume reaching 319.893 billion USD, a 12.36% increase [5]. Non-Performing Loans and Capital Adequacy - Non-performing loan balance stood at 13.147 billion yuan, with a non-performing loan ratio of 0.76%, remaining stable year-on-year [8]. - The provision coverage ratio was 373.16%, despite a decline of 16.19 percentage points from the previous year [8]. - Capital adequacy ratios were reported as follows: core tier 1 capital adequacy ratio at 9.34%, tier 1 capital adequacy ratio at 10.40%, and total capital adequacy ratio at 14.30%, all showing a decrease compared to the previous year [8].