宁波银行股份有限公司2025年度业绩快报

Core Viewpoint - Ningbo Bank reported a steady growth in its financial performance for the year 2025, with a focus on serving the real economy and optimizing its business structure, while maintaining asset quality and risk management. Financial Data and Indicators - In 2025, the company achieved operating income of 71.968 billion RMB, an increase of 8.01% year-on-year - The net profit attributable to shareholders of the parent company was 29.333 billion RMB, up 8.13% year-on-year - Net interest income reached 53.161 billion RMB, growing by 10.77% year-on-year - Net fee and commission income was 6.085 billion RMB, reflecting a significant increase of 30.72% year-on-year [2][3] Business Performance and Financial Condition - The company focused on enhancing its service capabilities and adapting its business model to meet the needs of the real economy, resulting in solid growth in operating performance - Total loans and advances amounted to 1,733.313 billion RMB, an increase of 257.25 billion RMB, or 17.43%, compared to the beginning of the year [3][4] Service to the Real Economy - The company adhered to national financial policies and increased credit support, serving 746,100 corporate clients by the end of 2025, an increase of 89,600 clients from the beginning of the year - The international settlement volume reached 319.893 billion USD, a year-on-year growth of 12.36% [4] Business Structure Optimization - Total customer deposits reached 2,024.883 billion RMB, with an increase of 188.538 billion RMB, where demand deposits accounted for 70.84% of new deposits - The cost of liabilities decreased, with the interest rate on deposits falling by 44 basis points year-on-year to 1.42% [5] Asset Quality and Risk Management - The company maintained a stable asset quality with a non-performing loan balance of 13.147 billion RMB and a non-performing loan ratio of 0.76%, unchanged from the previous year - The provision coverage ratio stood at 373.16%, indicating a sufficient level of provisions [6]