Core Insights - Ningbo Bank reported a total asset of 3.47 trillion yuan as of June 30, 2025, marking an 11.04% increase from the beginning of the year [1][12] - The bank's operating income for the first half of 2025 was 37.16 billion yuan, reflecting a year-on-year growth of 7.91% [1][13] - Net profit attributable to shareholders reached 14.77 billion yuan, up 8.23% year-on-year, with a non-interest income of 11.43 billion yuan, accounting for 30.77% of total revenue [1][13][14] - The bank's non-performing loan (NPL) ratio stood at 0.76%, maintaining a strong asset quality within the industry [1][14] Financial Performance - Total assets reached 34,703.32 billion yuan, an increase of 11.04% from the start of the year [12] - Customer deposits totaled 20,764.14 billion yuan, growing by 13.07% [4] - Loans and advances amounted to 16,732.13 billion yuan, reflecting a growth of 13.36% [5] Profit Distribution - The bank announced a profit distribution plan for the first half of 2025, proposing a cash dividend of 3 yuan per 10 shares (tax included), subject to shareholder approval [6] Risk Management - The bank's NPL balance was 12.688 billion yuan, with a provision coverage ratio of 374.16% [14] - Capital adequacy ratio was reported at 15.21%, with a Tier 1 capital ratio of 10.75% and a core Tier 1 capital ratio of 9.65% [14] - The bank has maintained an NPL ratio below 1% for 18 consecutive years since its listing in 2007, ensuring a focus on business expansion and financial services [14] Strategic Focus - Ningbo Bank emphasizes a differentiated operational strategy and aims to enhance service quality through digital transformation and risk management improvements [1][12] - The bank is committed to supporting the real economy and addressing customer needs through a professional service approach [15]

8月28日晚间，宁波银行正式对外披露2025年半年报，截至6月末，宁波银行总资产突破3.47万亿元，比 年初增长11.04%，上半年营业收入371.60亿元，同比增长7.91%，实现归属于母公司股东的净利润 147.72亿元，同比增长8.23%，不良贷款率0.76%，资产质量继续保持业内较好水平。公司同时公告2025 年中期利润分配预案，拟每10股派发现金红利3元（含税）。 2025年上半年，面对行业息差收窄、盈利承压的挑战，宁波银行始终坚持党的领导，根据董事会制定的 发展战略，坚持实施差异化经营策略，秉承"真心对客户好"的理念，努力用专业为客户创造价值，持续 提升服务质效，深入推进数字化建设，完善风险管理体系，经营业绩稳健向好，高质量发展基础得到进 一步夯实。 服务实体质效提升，资产规模稳健增长 2025年上半年，宁波银行坚持落实国家各项政策精神，持续做好金融"五篇大文章"等工作，加大对实体 经济的支持力度，深深扎根经营区域。 面对数字化的浪潮，宁波银行聚焦智慧银行的金融科技发展愿景，发挥开放银行金融服务方案的优势， 持续加大投入，依托"十一中心"的金融科技组织架构和"三位一体"的科技研发体系，推动金融与科 ...