Fee and commission income surged by 30%, Bank of Ningbo "previews" 2025 annual performance
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One of the leading city commercial banks, Bank of Ningbo, released its 2025 annual performance express report on the evening of January 20.
The report shows that in 2025, amidst a complex and changing global economic situation and deepening domestic economic transformation and upgrading, Bank of Ningbo achieved solid results by implementing a differentiated development strategy.
In 2025, the bank achieved operating income of 71.968 billion yuan, a year-on-year increase of 8.01%; net profit attributable to shareholders of the parent company was 29.333 billion yuan, a year-on-year increase of 8.13% (unaudited data), continuing a steady growth trend.
It is noteworthy that while maintaining profit growth, Bank of Ningbo's overall asset quality remained stable, with the non-performing loan ratio maintained at a low level of 0.76%, demonstrating outstanding risk control capabilities.
Loan business showed outstanding performance
According to the 2025 performance report, all main performance indicators of Bank of Ningbo achieved stable growth. Operating income reached 71.968 billion yuan, up 8.01% from 66.631 billion yuan in 2024; operating profit was 32.34 billion yuan, a year-on-year increase of 2.51%; total profit was 32.16 billion yuan, up 2.79%.
It is especially noteworthy that net profit attributable to shareholders of the parent company reached 29.333 billion yuan, a year-on-year increase of 8.13%. This growth rate is among the leading levels among listed banks that have disclosed performance reports so far.
Meanwhile, as of the end of 2025, Bank of Ningbo's total assets reached 3,628.601 billion yuan, an increase of 16.11% from the beginning of the year, maintaining a steady expansion trend. Among these, loans and advances totaled 1,733.313 billion yuan, an increase of 257.25 billion yuan from the beginning of the year, a growth of 17.43%. The proportion of loans and advances to total assets reached 47.77%, up 0.54 percentage points from the beginning of the year, showing the bank's continued increase in credit supply.
Overall, in 2025 Bank of Ningbo achieved growth in both profitability and asset size.
Substantial growth in fee and commission income
Analyzing the profit structure in depth, Bank of Ningbo's net interest income in 2025 reached 53.161 billion yuan, a year-on-year increase of 10.77%, reflecting the bank’s ability to grow its core business.
In particular, total customer deposits were 2,024.883 billion yuan, an increase of 10.27% from the beginning of the year. Optimization of deposit structure was especially impressive.
Additionally, the proportion of new demand deposits reached 70.84%, driving the deposit interest expense rate down by 33 basis points year-on-year. In December 2025, the monthly interest expense rate dropped to 1.42%, a significant year-on-year decline of 44 basis points. Liability costs were significantly reduced, providing strong support for stable net interest margin.
But even more impressive was the bank's fee and commission net income performance. The report shows that the bank achieved fee and commission income of 6.085 billion yuan in 2025, a year-on-year surge of 30.72%, indicating remarkable performance in light-capital businesses and continuous optimization of the income structure.
Good control of asset quality
Returning to asset quality, as of the end of 2025, Bank of Ningbo’s non-performing loan balance was 13.147 billion yuan, non-performing loan ratio at 0.76%, unchanged from the end of the previous year, remaining at a relatively low level in the industry. This data is particularly commendable given the challenging macroeconomic environment, demonstrating the bank's strong risk identification and control ability.
Additionally, at the end of 2025, Bank of Ningbo’s provision coverage ratio was 373.16%, though down 16.19 percentage points from 389.35% at the end of last year, still far above regulatory requirements and at a leading industry level. Ample provision coverage not only provides sufficient buffer against potential risks but also lays the foundation for stable operations during future economic fluctuations.
Capital adequacy ratios remain within the safe zone
Moreover, as of the end of 2025, Bank of Ningbo’s capital adequacy ratio was 14.30%, tier 1 capital adequacy ratio 10.40%, and core tier 1 capital adequacy ratio 9.34%, down 1.02, 0.63, and 0.50 percentage points respectively from the end of the previous year.
This drop is a normal dilution caused by the growth of operating assets. All of Bank of Ningbo’s capital adequacy indicators remain above regulatory requirements, and capital adequacy remains sound.
Differentiated development strategy
Related information shows that Bank of Ningbo continued to firmly implement the strategy of "what big banks cannot do, small banks cannot manage" in 2025, actively seeking market gaps and differentiated competitive advantages. Focusing on specific industries and customer groups, the bank established a unique market position, avoiding homogeneous competition.
Moreover, as of the end of 2025, Bank of Ningbo served 746,100 corporate customers, an increase of 89,600 over the beginning of the year. Of these, 67,700 were import and export company clients, an increase of 4,912; international settlement volume was 319.893 billion USD, up 12.36% year-on-year. These figures highlight the bank’s specialized capabilities and comparative advantages in serving import and export businesses.
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