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Bank of Ningbo Co (002142) investor relations material
Bank of Ningbo Co Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Aug, 2025
Executive summary
Achieved robust growth in revenue and net profit amid industry margin pressure, with high-quality development and digital transformation advancing.
Total assets reached ¥3.47 trillion, up 11.04% from year-end 2024; customer deposits and loans grew 13.07% and 13.36% respectively.
Non-performing loan (NPL) ratio remained low at 0.76%, with a provision coverage ratio of 374.16%.
Capital adequacy ratio at 15.21%, exceeding regulatory requirements.
Financial highlights
Operating income for H1 2025 was ¥37,160 million, up 7.91% year-over-year.
Net profit attributable to shareholders was ¥14,772 million, up 8.23% year-over-year.
Net interest income rose 11.11% to ¥25,726 million; net interest margin declined to 1.76%.
Non-interest income increased 1.34% to ¥11,434 million, with fee and commission income up 6.32%.
Operating cash flow was ¥168,041 million, up 27.39% year-over-year.
Outlook and guidance
Net interest margin expected to stabilize as LPR declines moderate and asset/liability structure improves.
Fee income projected to grow, driven by wealth management and product innovation.
Asset quality to remain stable, with continued focus on risk management and non-performing asset resolution.
Capital levels expected to meet long-term planning requirements.
Explain the 1.97% adjusted net interest margin
Detail actions taken on individual loan portfolio
Outline large model technology application strategy
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Next Bank of Ningbo Co earnings date
Q3 202528 Oct, 2025
Next Bank of Ningbo Co earnings date
Q3 202528 Oct, 2025
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Frequently asked questions
Bank of Ningbo Co., Ltd. is a China-based commercial bank providing a wide range of financial products and services. The bank offers personal and corporate banking, wealth management, loans, deposits, and trade finance. It also engages in treasury operations and financial advisory services. The company is headquartered in Ningbo, China, and its shares are listed on the Shenzhen Stock Exchange.
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