10月27日，宁波银行（002142）发布了一份含金量十足的成绩单。根据2025年三季报显示，公司营收表 现保持了稳中向好，资产质量有所改善，不良率保持稳定，覆盖率等风险抵补能力继续保持较好水平。 面对复杂严峻的内外部经营环境，公司各项业务协同并进，资产规模持续增长。2025年三季度，公司紧 紧围绕"专注主业，服务实体"的经营思路，持续加大实体经济支持力度，提升服务的广度和深度，推动 资产规模持续增长。截至2025年9月末，公司资产总额35,783.96亿元，较年初增长14.50%；贷款及垫款 总额17,168.23亿元，较年初增长16.31%；存款总额20,478.04亿元，较年初增长11.52%。 市场认为，近年来，宁波银行信贷投放主要聚焦民营小微、制造业企业、进出口企业等重点领域，在居 民加杠杆意愿相对偏弱的行业背景下，对公贷款对扩表发挥重要拉动作用。 目前在公司本体有公司银行、零售公司、财富管理、消费信贷、信用卡、金融市场、投资银行、资产托 管、票据业务9个利润中心；子公司方面，永赢基金、永赢金租、宁银理财、宁银消金4个利润中心，各 利润中心协同推进，可持续发展能力不断增强。 公告称，公司盈利结构不断 ...

Core Viewpoint - Ningbo Bank has demonstrated robust growth in assets and profits in the first three quarters of 2025, maintaining a strong asset quality and a commitment to supporting the real economy [1][2][4]. 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 [2]. - The net profit attributable to shareholders for the first three quarters was 22.445 billion yuan, reflecting an 8.39% year-on-year growth [3]. - The bank's operating income for the same period was 54.976 billion yuan, with an 8.32% increase compared to the previous year [3]. Group 2: Asset Quality - Ningbo Bank maintained a non-performing loan ratio of 0.76%, consistent with the beginning of the year, indicating strong asset quality [4]. - The provision coverage ratio stood at 375.92%, showcasing the bank's solid risk mitigation capabilities [4]. - The bank has successfully kept its non-performing loan ratio below 1% for 18 consecutive years since its listing in 2007 [4]. Group 3: Business Strategy - The bank focuses on a differentiated operating strategy, emphasizing support for the real economy and enhancing service quality [1][2]. - Ningbo Bank has developed a diversified profit structure with nine profit centers and four subsidiaries, contributing to its stable growth [3]. - The bank aims to strengthen its core competitiveness by addressing customer needs and enhancing its service offerings [6].