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Bank of Ningbo (002142) investor relations material
Bank of Ningbo Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
9M 2026 revenue rose 11.34% YoY to RMB 61,212 million; net profit attributable to parent shareholders increased 12.05% to RMB 25,149 million.
Lending and deposits expanded, while asset quality remained stable: loans grew 13.69% from year-end, deposits 12.18%, and the NPL ratio held at 0.76%.
Financial highlights
Q3 revenue was RMB 19,762 million, up 10.92% YoY; net profit attributable to parent shareholders was RMB 8,587 million, up 11.91%.
9M net interest income increased 14.03% YoY to RMB 45,039 million; net fee and commission income rose 25.47% to RMB 6,083 million.
9M basic and diluted EPS were RMB 3.72, up 11.04% YoY; annualized ROE was 13.99%, up 0.18 percentage points YoY.
9M operating cash flow was RMB 144,515 million, down 35.02% YoY; Q3 report was unaudited.
Segment performance
Manufacturing loans were 12.26% of loans at September 30, up 0.56 percentage points from year-end; lending also prioritized SMEs and other key areas of the real economy.
Retail loans were RMB 535,397 million, up 0.17% from year-end; corporate loans excluding bill discounting were RMB 1,301,959 million, up 21.32%.
- Net profit rose 12.12% year-over-year, with robust fee income and stable asset quality.002142
Q2 2026 - H1 2024 saw robust asset and profit growth, strong capital, and stable asset quality.002142
Q2 2024 - Revenue and net profit rose, with asset quality and capital ratios remaining robust.002142
Q3 2024 - 2025 saw robust profit growth, industry-leading asset quality, and strong capital metrics.002142
Q4 2025 - Net profit grew 10.3% year-over-year, with stable asset quality and strong loan and deposit growth.002142
Q1 2026 - Net profit rose 10.7% to RMB 25.54 billion, with robust asset growth and strong risk metrics.002142
Q4 2023 - Net profit rose 8.39% and asset quality remained robust with a 0.76% NPL ratio.002142
Q3 2025 - Net profit up 8.23%, total assets grew 11.04%, and NPL ratio stable at 0.76%.002142
Q2 2025 - Operating income and net profit grew solidly, with stable asset quality and improved capital ratios.002142
Q4 2024
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