One of the leading city commercial banks, Bank of Ningbo, released its performance report for the year 2025 on the evening of January 20.
The report shows that in 2025, amidst a complex and changing global economic situation and a deepening domestic economic transformation and upgrade, Bank of Ningbo achieved good performance by implementing a differentiated development strategy.
In 2025, the bank achieved an operating income of 71.968 billion yuan, a year-on-year increase of 8.01%; the net profit attributable to shareholders of the parent company was 29.333 billion yuan, a year-on-year increase of 8.13% (unaudited data), continuing a steady growth trend.
Notably, while maintaining profit growth, the overall asset quality of Bank of Ningbo remained stable, with a non-performing loan ratio maintained at a low level of 0.76%, demonstrating excellent risk management capabilities.
<h2>Outstanding Loan Business Performance</h2>
The performance report for 2025 shows that the main performance indicators of Bank of Ningbo achieved steady growth. Operating income reached 71.968 billion yuan, an increase of 8.01% compared to 66.631 billion yuan in 2024; operating profit was 32.340 billion yuan, a year-on-year increase of 2.51%; total profit was 32.160 billion yuan, an increase of 2.79%.
Particularly noteworthy is that the net profit attributable to shareholders of the parent company reached 29.333 billion yuan, a year-on-year increase of 8.13%, which is relatively leading among the listed banks that have disclosed performance reports so far.
At the same time, by the end of 2025, Bank of Ningbo total assets reached 3.628601 trillion yuan, an increase of 16.11% compared to the beginning of the year, maintaining a steady expansion trend. Among them, the total amount of loans and advances was 1.733313 trillion yuan, an increase of 257.25 billion yuan, a growth of 17.43%, with loans and advances accounting for 47.77% of total assets, an increase of 0.54 percentage points compared to the beginning of the year, indicating that the bank's credit issuance has continued to increase.
Overall, in 2025, Bank of Ningbo achieved a dual increase in profits and asset scale.
<h2>Significant Growth in Fees and Commissions</h2>
In-depth analysis of the profit structure shows that Bank of Ningbo achieved a net interest income of 53.161 billion yuan in 2025, a year-on-year increase of 10.77%, demonstrating the growth capability of the bank's core business.
In particular, the total customer deposits reached 2.024883 trillion yuan, an increase of 10.27% compared to the beginning of the year. The optimization of the deposit structure is particularly remarkable.
Additionally, the proportion of new demand deposits reached 70.84%, driving the deposit interest rate down by 33 basis points year-on-year, with the interest rate in December 2025 dropping to 1.42%, a significant decrease of 44 basis points year-on-year, significantly reducing liability costs and providing strong support for the stability of the net interest margin.
However, even more impressive is the bank's performance in net income from fees and commissions. The performance report shows that the bank achieved fee and commission income of 6.085 billion yuan in 2025, a substantial year-on-year increase of 30.72%, indicating significant performance in the bank's light capital business and a continuous optimization of the income structure.
<h2>Good Control of Asset Quality</h2>
Returning to the aspect of asset quality, by the end of 2025, Bank of Ningbo had a non-performing loan balance of 13.147 billion yuan, with a non-performing loan ratio of 0.76%, unchanged from the end of the previous year, continuing to maintain a relatively low level in the industry
This data is particularly rare against the backdrop of macroeconomic challenges, demonstrating the bank's outstanding risk identification and control capabilities.
Additionally, by the end of 2025, the Bank of Ningbo's provision coverage ratio was 373.16%. Although it decreased by 16.19 percentage points from 389.35% at the end of the previous year, it remains well above regulatory requirements and is at an industry-leading level. A sufficient provision coverage ratio not only provides ample buffer for the bank to cope with potential risks but also lays the foundation for maintaining operational stability amid future economic fluctuations.
<h2>Capital Adequacy Ratio Remains in a Safe Range</h2>
Furthermore, as of the end of 2025, the Bank of Ningbo's capital adequacy ratio was 14.30%, the Tier 1 capital adequacy ratio was 10.40%, and the core Tier 1 capital adequacy ratio was 9.34%, representing decreases of 1.02, 0.63, and 0.50 percentage points, respectively, from the end of the previous year.
This decline is a normal dilution caused by the growth of operating assets, and the Bank of Ningbo's various capital adequacy indicators remain above regulatory requirements, indicating a good capital adequacy status.
<h2>Differentiated Development Path</h2>
Relevant information also shows that the Bank of Ningbo continued to firmly implement the development strategy of &#34;big banks can't do well, small banks can't do&#34; in 2025, actively seeking market gaps and differentiated competitive advantages. By focusing on specific industries and customer groups, it has established a unique market positioning, avoiding homogeneous competition.
Additionally, as of the end of 2025, the Bank of Ningbo served 746,100 corporate clients, an increase of 89,600 from the beginning of the year, including 67,700 import and export enterprise clients, an increase of 4,912 from the beginning of the year, with an international settlement volume of USD 319.893 billion, a year-on-year increase of 12.36%. These data indicate that the bank's professional capabilities and comparative advantages in serving import and export enterprises have further highlighted

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Net profit of 29.333 billion yuan, a year-on-year increase of 8.13%

Commission income surged by 30%, Bank of Ningbo "forecasts" performance for 2025