Bank of Ningbo Ratios and Metrics

Market cap in millions CNY. Fiscal year is January - December.

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 26, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	202,598	185,495	160,533	132,798	214,287	252,785
Market Cap Growth	24.01%	15.55%	20.89%	-38.03%	-15.23%	19.06%
Last Close Price	30.68	28.09	23.28	18.72	29.60	34.39
PE Ratio	6.96	6.55	6.15	5.36	9.60	13.45
PS Ratio	3.52	3.27	2.87	2.52	4.51	6.25
PB Ratio	0.78	0.75	0.69	0.66	1.27	1.69
P/FCF Ratio	1.02	0.80	1.98	0.78	2.33	-
P/OCF Ratio	1.00	0.79	1.89	0.77	2.26	-
Debt / Equity Ratio	4.18	4.51	3.74	3.97	4.40	4.41
Debt / FCF Ratio	5.44	4.84	10.79	4.73	8.07	-
Net Debt / Equity Ratio	1.90	2.38	1.48	1.65	1.45	1.52
Net Debt / FCF Ratio	2.48	2.55	4.26	1.97	2.65	-4.83
Return on Equity (ROE)	12.26%	12.23%	12.47%	13.81%	14.53%	14.58%
Return on Assets (ROA)	0.84%	0.87%	0.93%	1.01%	1.06%	1.08%
Earnings Yield	14.35%	15.81%	16.90%	19.23%	10.77%	7.73%
FCF Yield	98.18%	125.11%	50.57%	127.76%	42.88%	-18.64%
Dividend Yield	3.88%	4.27%	3.87%	3.21%	1.69%	1.45%
Payout Ratio	27.23%	66.11%	55.12%	53.87%	46.38%	49.73%
Buyback Yield / Dilution	0.12%	-	-	-	-9.92%	-2.16%
Total Shareholder Return	4.00%	4.27%	3.87%	3.21%	-8.23%	-0.70%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.