Bank of Ningbo(SZ:002142) 经济观察报·2025-10-28 10:15Core Viewpoint - Ningbo Bank has demonstrated strong financial performance in the first three quarters of 2025, with significant growth in total assets, net profit, and loan amounts, while maintaining a low non-performing loan ratio and solid asset quality [1][4][8]. Group 1: Financial Performance - As of September 30, 2025, Ningbo Bank's total assets reached 3.578396 trillion yuan, marking a 14.50% increase from the beginning of the year [1][4]. - The net profit attributable to shareholders for the first three quarters was 22.445 billion yuan, reflecting an 8.39% year-on-year growth [1][6]. - Total loans and advances amounted to 1.716823 trillion yuan, up 16.31% from the start of the year, while total deposits reached 2.047804 trillion yuan, increasing by 11.52% [4][12]. Group 2: Business Strategy - Ningbo Bank has adhered to a differentiated business strategy under the leadership of its board, focusing on enhancing service quality for the real economy and ensuring sustainable development [2][13]. - The bank has emphasized a business approach centered on "focusing on the main business and serving the real economy," which has led to continuous growth in asset scale [4][6]. Group 3: Profit Structure and Risk Management - The bank has established a diversified profit structure with nine profit centers, including corporate banking, retail banking, wealth management, and investment banking, contributing to stable profitability [6][8]. - As of September 30, 2025, the non-performing loan ratio stood at 0.76%, unchanged from the beginning of the year, with a provision coverage ratio of 375.92%, indicating strong risk management capabilities [8][12].