Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

会上，海城市人民政府与平安银行鞍山分行签署战略合作框架协议，平安银行鞍山分行分别与辽宁东和 新材料股份有限公司、辽河大型钢管有限公司签订贷款合同，推动银企合作向纵深发展。 平安银行鞍山分行行长孙凯介绍，该行公司业务围绕"做精行业、做精客户、做精产品"，紧扣国家战 略，聚焦产业金融、科技金融等五大领域，持续加大对先进制造业、绿色金融等重点领域的融资支持， 坚持以客户需求为导向，深耕战略客群，夯实业务基础，全力服务实体经济。 转自：新华财经 近日，由平安银行沈阳分行与海城市人民政府联合主办，平安银行鞍山分行、海城市财政局共同承办 的"平'鞍'益企 共'城'未来"政银企专项对接会在海城市举行，旨在搭建合作桥梁，推动金融服务与实体 经济深度融合。2家上市企业、6家国家级专精特新企业、26家省级专精特新企业及多家知名企业代表参 会。 海城市财政局局长何长君在发言中指出，海城市坚持以经济建设为中心，围绕高质量发展主题，持续优 化营商环境，经济社会发展成果显著。他说，金融机构的支持对海城发展至关重要，本次对接会将进一 步强化政府、银行与企业间沟通协作，充分发挥金融支撑作用，助力海城市发展迈向新台阶。 平安银行沈阳分行行长刘 ...

2025.05. 26 本文字数：2751，阅读时长大约4.5分钟 作者 | 第一财经 陈君君 今年以来，国内存款利率持续走低，多家银行1年期定期存款利率日前跌破1%，传统储蓄吸引力减 弱。与此同时，银行股的"类固收"属性凸显，截至5月23日，42家A股上市银行中，超七成近12个月 股息率超4%，部分银行股息率突破8%，远超存款及国债收益。 板块行情分化，区域银行占上风 这种收益差距引发"替代效应"，推动银行股表现强劲，年初以来涨幅达7.66%。险资和公募基金纷纷 加仓银行股，持仓比例显著提升。进一步来看，银行板块内部走势分化，区域银行表现更为突出。业 内人士认为，短期内高股息策略将继续推动银行股上涨，而中长期来看，息差水平和资产质量是关 键。 银行股的存款"替代效应"凸显 自2025年起，国内存款利率持续走低，各大商业银行纷纷开启"降息潮"。目前，1年期定期存款利率 最低已跌破1%，达到历史最新低点。在传统储蓄收益吸引力不断减弱的形势下，"存银行不如买银行 股"的讨论再度升温。 根据Wind数据，截至5月23日收盘，在42家A股上市银行中，有31家银行的近12个月股息率超过了 4%。其中，平安银行、民生银行 ...

Core Viewpoint - Ping An Bank is facing challenges in maintaining its net interest margin amid a structural decline in the banking sector, with management emphasizing the need for differentiated development strategies to stabilize performance and improve stock prices [2][3][12]. Group 1: Net Interest Margin - The bank's net interest margin has decreased to 1.83%, compared to the industry average of 1.56%, indicating a relative advantage that may provide greater elasticity during the sector's recovery [2][3]. - Management is focused on controlling interest costs, particularly in retail banking, aiming to reduce the cost of interest-bearing liabilities [2][3]. - The average interest rate on deposits has decreased by 41 basis points year-on-year to 1.81%, contributing to the optimization of deposit costs [3]. Group 2: Retail Risk Management - The bank is transitioning from high-risk, high-yield retail products to medium-risk, medium-yield offerings, which has led to some financial and operational pain [6][7]. - As of the end of Q1 2025, the personal loan non-performing ratio was 1.32%, a decrease of 7 basis points from the previous year, indicating improvement in asset quality [6][7]. - The bank has actively reduced high-risk retail loan volumes by nearly 200 billion yuan in the past year, with a focus on clearing retail risks [6][7]. Group 3: Revenue and Profitability - In Q1 2025, the bank reported a revenue of 33.709 billion yuan, down 13.1% year-on-year, and a net profit of 14.096 billion yuan, down 5.6% year-on-year, attributed to market changes and business restructuring [9]. - Management plans to enhance profitability through various strategies, including reducing liability costs, adjusting customer structures, and improving asset quality [9][10]. Group 4: Stock Price and Valuation - The bank's stock price has decreased by 51.6% from its peak of 23.68 yuan per share, with a current price of 11.46 yuan, leading to a price-to-book ratio of 0.51 [12][13]. - Management acknowledges the impact of economic cycles on stock performance and is focused on improving the bank's fundamentals and operational performance to enhance market valuation [12][13]. - The bank has increased its dividend payout for 2024, reflecting a commitment to returning value to shareholders while maintaining capital adequacy [13].

昨日，平安银行召开了2024年年度股东大会， 该行党委书记、行长冀光恒、监事长叶望春、副行长兼首席 财务官项有志、行长助理兼首席风险官吴雷鸣、独立董事艾春荣、董事会秘书周强出席。 在常规议程之外，平安银行管理层代表直面了如何稳住急降的息差、零售转型难度和战略延续性、零售风险是 否见顶、如何使经营效益重回正增区间、如何提振股价等犀利问题。 "争取维持一个健康的息差" 如何让息差下行坡度不要那么陡峭，平缓一点、降速慢一点，是各家银行一定会被问到的问题。平安银行本次 股东大会也不例外，有股东问及在息差下行趋势下，平安银行如何寻求差异化发展的问题。 从全行业经营层面看，冀光恒赞同银行净息差收窄已是既定的结构性趋势，主要受政策引导让利实体经济、利 率市场化深化及经济增速多重因素作用影响。 今年一季度，股份行净息差已经下滑到了1.56%，而同期平安银行净息差保持在1.83%。这种相对优势，其实 被一些券商分析师认为能让平安银行在银行板块整体复苏时拥有更大弹性。 "我们要争取维持一个健康的息差，其实我们从去年开始就一直在控制付息成本。今年我给零售行长的任务是 一定要将零售付息成本变得很低。另外，我们对公付息成本已经在下降。 ...

Core Viewpoint - The competition in the credit card cash installment business has intensified, with banks offering significant interest rate discounts, leading to annualized rates dropping below 3% for some products [1][3]. Group 1: Market Dynamics - Following the regulatory crackdown on consumer loans, which set a minimum annualized interest rate of 3%, banks have turned to credit card cash installment services, which are not yet subject to the same restrictions [2]. - Major banks such as China Merchants Bank, Bank of China, and others have launched promotional activities, with some rates as low as 2.76% for 12-month installments [3][4]. - The cash installment service allows cardholders to convert their credit limits into cash, which can be repaid in installments along with fees [3]. Group 2: Strategic Implications - The current interest rate discounts are seen as a strategy to attract customers and expand retail loan volumes while managing credit risk through strict customer eligibility criteria [5]. - The credit card business is undergoing a strategic transformation, focusing on enhancing the value of existing customers and increasing the penetration of installment services [5]. - The low-interest strategy may stimulate short-term growth, but there are concerns about the potential accumulation of risks due to aggressive pricing [5][6]. Group 3: Industry Challenges - The credit card industry is moving away from rapid expansion, with several banks closing credit card branches and adjusting their operational strategies [7]. - The industry faces challenges such as difficulty in acquiring new users and pressure on product offerings, which test the strategic resilience of banks [7]. - Data indicates that among 14 listed banks reporting credit card non-performing loan rates for 2024, most have seen an increase, highlighting the pressure on retail banking [7].

证券代码：000001 证券简称：平安银行 公告编号：2025-027 优先股代码：140002 优先股简称：平银优 01 1、本次股东大会没有出现否决提案的情形。 2、本次股东大会不涉及变更以往股东大会已通过的决议。 一、会议召开情况 （一）召开时间： 1、现场会议召开时间：2025 年 5 月 23 日下午 14:30。 2、网络投票时间：通过深圳证券交易所交易系统进行网络投票的时间为 2025 年 5 月 23 日 9:15—9:25，9:30—11:30 和 13:00—15:00；通过深圳证券交易 所互联网投票系统投票的时间为 2025 年 5 月 23 日 9:15—15:00 期间的任意时 间。 （二）现场会议召开地点：广东省深圳市深南东路 5047 号本公司六楼多功 能会议厅。 平安银行股份有限公司 2024 年年度股东大会决议公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导 性陈述或重大遗漏。 特别提示 （三）召集人：平安银行股份有限公司第十二届董事会。 （四）召开方式：采取现场投票与网络投票相结合的方式。 （五）主持人：平安银行股份有限公司执行董事、行长冀 ...

北京市海问（深圳）律师事务所 关于平安银行股份有限公司 2024 年年度股东大会的 法律意见书 致：平安银行股份有限公司 根据《中华人民共和国证券法》、《中华人民共和国公司法》（以下统称"有关 法律"）及《平安银行股份有限公司章程》（以下称"公司章程"）的规定，北京市 海问（深圳）律师事务所（以下称"本所"）作为平安银行股份有限公司（以下称 "公司"）的特聘法律顾问，应公司的要求，指派栾思达律师和许琼尤律师（以下 称"本所律师"）出席 2025 年 5 月 23 日召开的公司 2024 年年度股东大会（以下 称"本次会议"），对本次会议召开的合法性进行见证，并依法出具本法律意见书。 在本法律意见书中，本所律师仅对本次会议召集和召开的程序、出席本次会 议的人员资格及表决程序是否符合有关法律和公司章程的规定以及本次会议审 议议案的表决结果发表意见，并不对本次会议所审议的议案内容以及该等议案所 表述的事实或数据的真实性和准确性发表意见。本所律师假定公司提交给本所律 师的资料（包括但不限于有关人员的居民身份证、授权委托书、营业执照、网络 投票结果等）真实、完整，资料上的签字和/或印章均是真实的，资料的副本或 复印件均 ...

继5月20日六家国有大行率先开启新一轮人民币存款挂牌利率调降工作后，各家股份制银行正在纷纷跟进调整。 《金融时报》记者注意到，5月21日，已有招商银行（600036）、平安银行（000001）、中信银行（601998）等9家股份制银行完成了存款利率下调。5月 22日上午，渤海银行、恒丰银行、浙商银行（601916）3家股份行也在官网发布了关于调整人民币存款挂牌利率的公告。 | 存款项目 | 个人存款(年利率 %) | 单位存款(年利率%) | | --- | --- | --- | | 活期在家 | 0.05 | 0. 05 | | 定期存款 | | | | 整存整取 | | | | 三个月 | 0. 70 | 0. 70 | | 半年 | 0.95 | 0. 95 | | 一年 | 1. 15 | 1. 15 | | 二年 | 1. 30 | 1. 30 | | 三年 | 1. 55 | 1. 55 | | 五年 | 1. 60 | 1. 60 | | 零存整取、 整存零取、存本取息 | | | | 一年 | 0. 70 | - | | 三年 | 0.95 | - | | 五年 | 1. 15 | - | ...

继国有大行之后，多家股份制银行跟进下调了存款利率。5月21日，贝壳财经记者统计，目前已有10家股份制银行 调降了银行存款挂牌利率。 多家股份制银行跟随降低存款利率 招商银行1年定期跟调破1 5月21日，贝壳财经记者统计，已有10家股份制银行已经或即将降低存款挂牌利率。其中，1年、2年定期存款的挂 牌利率普遍下调15个基点，3年、5年定期存款的挂牌利率则均下调了25个基点。 此次调整中，招商银行的存款挂牌利率与国有银行保持同步。调整后，该行1年定期存款挂牌利率降至0.95%，首 次跌破1%。2年、3年5年定期存款利率分别降至1.05%、1.25%和1.30%，是股份制银行存款挂牌利率最低的银 行。 其余9家银行1年定期存款挂牌利率均下调至1.15%。2年、3年、5年定期存款挂牌利率下调后则不尽相同。以3年 定期存款为例，平安银行、兴业银行、光大银行、浦发银行、民生银行、广发银行、华夏银行均将挂牌利率降至 1.30%，中信银行调整后为1.25%，浙商银行（601916）则为1.55%。 上海金融与发展实验室副主任董希淼表示，不同的商业银行由于市场竞争、客户定位、负债结构等因素有所不 同，因此调整存款利率的节奏、幅 ...