Bank of Ningbo (002142) investor relations material

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.