It has to be Bank of Ningbo! In the first three quarters, it earned 22.4 billion, with performance growth accelerating each quarter

The third quarter reports of banks show mixed results, with some exceeding expectations and others falling short. Bank of Ningbo is among the former. The latest quarterly report reveals that in the third quarter of 2025, faced with a complex and severe internal and external operating environment, Bank of Ningbo adhered to the operational strategy of "big banks can't do well, small banks can't do" and achieved a performance report of steady growth against the trend. From January to September 2025, Bank of Ningbo achieved an operating income of 54.976 billion yuan, a year-on-year increase of 8.32%; the net profit attributable to shareholders of the parent company was 22.445 billion yuan, a year-on-year increase of 8.39%. The diversified profit centers of Bank of Ningbo made significant contributions this quarter. Revenue and Net Profit Both Increased by Over 8% Data shows that from January to September 2025, Bank of Ningbo achieved a net profit attributable to shareholders of the parent company of 22.445 billion yuan, a year-on-year increase of 8.39%; operating income reached 54.976 billion yuan, a year-on-year increase of 8.32%; the annualized weighted average return on net assets was 13.81%. Bank of Ningbo summarized that the company has built diversified profit centers, with each profit center promoting collaboration, while using financial technology to construct new momentum for digital development, maintaining stable profitability. Moreover, it can be seen that specifically for the third quarter, the year-on-year growth rate is accelerating. From January to September, net interest income, net fee and commission income, and investment income achieved significant year-on-year growth of 11.8%, 29.3%, and 11.3%, respectively. Even relatively small items such as foreign exchange gains and losses, other business income, and asset disposal gains achieved substantial growth. Therefore, despite the negative fair value changes, high-speed growth was still maintained. Total Assets of 3.58 Trillion Yuan In the third quarter of 2025, Bank of Ningbo focused on the operational philosophy of "focusing on the main business and serving the real economy," continuously increasing support for the real economy, enhancing the breadth and depth of services, and promoting continuous growth in asset scale. As of the end of September 2025, Bank of Ningbo's total assets reached 3.58 trillion yuan, an increase of 14.50% from the beginning of the year; total loans and advances amounted to 1.72 trillion yuan, an increase of 16.31% from the beginning of the year; total deposits reached 205 billion yuan, an increase of 11.52% from the beginning of the year. In the face of changes in the internal and external operating environment, Bank of Ningbo adheres to the concept that "operating a bank is managing risks," making it the fundamental operational goal to maintain the risk bottom line, continuously improving a comprehensive, all-staff, and full-process risk management system, and continuously leveraging the value of risk management to ensure the bank's stable development As of the end of September 2025, the non-performing loan ratio of Bank of Ningbo is 0.76%, unchanged from the beginning of the year; the provision coverage ratio is 2.85%, and the provision coverage rate is 375.92%, indicating that the risk compensation ability continues to maintain a good level. Risk Warning and Disclaimer The market has risks, and investment requires caution. This article does not constitute personal investment advice and does not take into account the specific investment goals, financial conditions, or needs of individual users. Users should consider whether any opinions, views, or conclusions in this article are suitable for their specific circumstances. Investment based on this is at one's own risk