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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.
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.
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