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Bank of Ningbo Co (002142) investor relations material
Bank of Ningbo Co Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Total assets reached RMB 3,578.40 billion as of September 30, 2025, up 14.50% from the previous year-end.
Net profit attributable to shareholders for the first nine months was RMB 22.45 billion, up 8.39% year-over-year.
Operating income for the first nine months was RMB 54.98 billion, an 8.32% increase year-over-year.
The bank maintained a stable non-performing loan (NPL) ratio at 0.76% and a provision coverage ratio of 375.92%.
Financial highlights
Q3 operating income was RMB 17.82 billion, up 9.19% year-over-year; net profit for Q3 was RMB 7.67 billion, up 8.71%.
Basic and diluted EPS for Q3 were both RMB 1.11, up 9.90% year-over-year.
Net cash flow from operating activities for the first nine months was RMB 222.41 billion, up 77.92% year-over-year.
Total customer loans and advances reached RMB 1,716.82 billion, up 16.31% from the previous year-end.
Customer deposits totaled RMB 2,081.24 billion, up 11.52% from the previous year-end.
Outlook and guidance
The bank continues to focus on supporting the real economy and enhancing service breadth and depth.
Emphasis remains on risk management and maintaining high asset quality amid complex external conditions.
Explain the shift in loan portfolio composition
Reasons for the significant LCR decline?
Analyze the drivers of net interest margin compression
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Next Bank of Ningbo Co earnings date
Q4 202510 Apr, 2026
Next Bank of Ningbo Co earnings date
Q4 202510 Apr, 2026
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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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