增活期、做代发、抓营收 宁波银行2025年活期存款新增占比70.84%

Core Viewpoint - Ningbo Bank reported a solid performance for 2025, with double-digit growth in core revenue and stable asset quality, indicating a strong risk-bearing capacity [1] Group 1: Financial Performance - In 2025, the company achieved operating revenue 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, growing by 8.13% year-on-year [1] - Net interest income was 53.161 billion yuan, reflecting a growth of 10.77% [1] - Net fee and commission income amounted to 6.085 billion yuan, with a significant increase of 30.72% [1] Group 2: Loan and Credit Support - By the end of 2025, total loans and advances reached 1,733.313 billion yuan, an increase of 257.250 billion yuan, or 17.43% [2] - The bank served 746,100 corporate clients, an increase of 89,600 clients from the beginning of the year [2] - The international settlement volume was 319.893 billion USD, showing a year-on-year growth of 12.36% [2] Group 3: Business Structure and Cost Management - Total customer deposits reached 2,024.883 billion yuan, with an increase of 188.538 billion yuan [3] - The proportion of demand deposits increased to 70.84%, while the interest rate on deposits decreased by 33 basis points [3] - The bank's total assets under management (AUM) for individual clients grew by 13.07% to 1,275.7 billion yuan [3] - Business and management expenses decreased by 0.51%, and the cost-to-income ratio improved by 2.80 percentage points [3] Group 4: Asset Quality and Risk Management - As of the end of 2025, the non-performing loan balance was 13.147 billion yuan, with a non-performing loan ratio of 0.76%, unchanged from the previous year [4] - The provision coverage ratio stood at 373.16%, indicating a strong provisioning level [4] - The bank's core advantages lie in risk pricing and strong risk control, which are expected to lead to continued superior performance in 2026 [4]