证券日报网讯平安银行（000001）9月30日在互动平台回答投资者提问时表示，本行未披露个人零售贷 款及公司贷款单笔平均额度。截至2025年6月末，本行零售客户数12，668.01万户，较上年末增长 0.9%，个人贷款余额17，259.78亿元；对公客户数90.91万户，较上年末增长6.5%，企业贷款余额16， 825.20亿元，较上年末增长4.7%。 ...

北京商报讯（记者 宋亦桐）9月30日，国家金融监督管理总局及国家金融监督管理总局北京监管局公布 了多则行政处罚信息，五家银行合计被罚4642.67万元。 具体来看，国家金融监督管理总局发布的行政处罚信息公示列表显示，邮储银行、中信百信银行合计被 罚3911.67万元。 邮储银行存在相关贷款业务、互联网贷款业务、绩效考核、合作业务等管理不审慎主要违法违规行为， 被罚没合计2791.67万元；相关责任人员黄文贤被警告并罚款5万元。 中信百信银行存在相关互联网贷款等业务管理不审慎、监管数据报送不合规等主要违法违规行为，该行 被罚款合计1120万元；相关责任人员于晓红被取消高级管理人员任职资格5年，朱祎敏被警告。 同日，国家金融监督管理总局北京监管局发布多则行政处罚信息，北京银行、平安银行北京分行、工商 银行北京牡丹园支行在列，相关银行合计被罚731万元。 北京银行因存在"贷款风险分类不准确，金融投资业务减值准备计提不充足，违规办理票据业务，贷款 数据不准确，消费者权益保护工作不规范，法人商用房按揭贷款贷前调查不到位，违规为土地储备项目 融资"主要违法违规行为，被罚款合计530万元；相关责任人徐凯、王瑾分别被警告并处 ...

平安银行推出全生命周期金融支持体系，助力科创企业发展 【文/羽扇观金工作室 王力】 论坛上，平安银行上海分行公司业务管理部负责人王春旭在论坛主题发言中，阐述了该行在服务科创企 业方面的策略框架。据其介绍，平安银行已建立覆盖企业全生命周期的金融方案，包括初创期信用贷 款、成长期供应链金融、成熟期跨境并购支持等产品组合。 9月23日，以"AI赋能低空经济 共探智能融合新未来"为主题的产业论坛在浦东张江成功举行。此次活动 由上海市人工智能行业协会指导，并由平安银行上海分行等协办，吸引了70余家企业和行业专家共同探 讨低空经济与人工智能的融合发展。 针对低空经济的产业特征，王春旭提出金融机构需调整服务思路。他将其概括为"三大心态":一是以"细 致务实"的态度介入基础服务，对接企业从研发到商业化各阶段的融资需求;二是以"长期主义"视角参与 产业生态建设，适配行业的长周期、高投入特性;三是以"开放创新"姿态应对技术变革，拓展金融服务 边界。 平安银行在论坛上展示了其为科创企业量身打造的金融服务体系，该体系覆盖了从初创期的信用贷款到 成熟期的跨境并购等多元产品。 这一表述反映出商业银行在面对新兴产业时的考量。低空经济作为技 ...

Core Viewpoint - The implementation of the new regulatory policy, referred to as the "Assisted Loan New Regulations," will significantly reshape the landscape of the assisted loan industry by establishing clear compliance boundaries for commercial banks' internet-assisted loan businesses [1][3]. Group 1: Regulatory Changes - The new regulation, effective from October 1, 2025, mandates commercial banks to adopt a "list management" system for assisted loan cooperation institutions, which has led to a lack of transparency regarding the cooperation lists of major banks [4][5]. - The regulation imposes strict controls on "comprehensive financing costs," particularly targeting products with annualized comprehensive costs exceeding 24%, which poses a challenge to existing business models in the assisted loan sector [1][9]. Group 2: Market Dynamics - The disclosed cooperation lists indicate a trend where major internet giants are preferred partners for banks, leading to a concentration of funds and resources in the hands of a few leading institutions [5][6]. - Various banks have begun to reveal their cooperation lists, with significant participation from both state-owned and private banks, although the six major state-owned banks have yet to disclose their lists [4][6]. Group 3: Business Models and Strategies - Banks like Ping An Bank have developed platforms such as the "Smart Loan Platform" to enhance compliance and safety while expanding their internet credit ecosystem, reflecting a shift towards more regulated and secure lending practices [7]. - Some banks are reconsidering their involvement in assisted loan businesses due to high default rates and rising customer acquisition costs, which are compressing profit margins [7]. Group 4: Financial Implications - The new regulations are expected to create a significant stratification in funding sources, with high-interest assets losing bank support while assets with annualized rates below 24% become highly competitive [9][10]. - Trust funds have seen a temporary increase in demand as an alternative funding source, but their higher costs and regulatory constraints limit their sustainability [10]. Group 5: Regulatory Focus Post-Implementation - Post-implementation, regulatory scrutiny will focus on pricing transparency and comprehensive cost control, particularly regarding the inclusion of service fees in the overall financing costs [11]. - The regulatory authorities will also evaluate banks' risk management capabilities and their adherence to core responsibilities in the assisted loan sector [11].

Core Insights - The banking sector experienced a decline of 0.92% on September 30, with CITIC Bank leading the drop [1] - The Shanghai Composite Index closed at 3882.78, up 0.52%, while the Shenzhen Component Index closed at 13526.51, up 0.35% [1] Banking Sector Performance - Ping An Bank closed at 11.34, down 0.26% with a trading volume of 832,500 shares and a transaction value of 942 million [1] - China Merchants Bank closed at 40.41, down 0.66% with a trading volume of 700,000 shares and a transaction value of 2.837 billion [1] - Zhejiang Commercial Bank closed at 2.98, down 0.67% with a trading volume of 1.695 million shares and a transaction value of 506 million [1] - Minsheng Bank closed at 3.98, down 0.75% with a trading volume of 4.847 million shares and a transaction value of 1.926 billion [1] - Industrial Bank closed at 19.85, down 1.00% with a trading volume of 1.422 million shares and a transaction value of 2.832 billion [1] - Everbright Bank closed at 3.36, down 1.18% with a trading volume of 3.044 million shares and a transaction value of 1.026 billion [1] - Shanghai Pudong Development Bank closed at 11.90, down 1.33% with a trading volume of 903,800 shares and a transaction value of 1.077 billion [1] - Huaxia Bank closed at 6.58, down 1.35% with a trading volume of 1.237 million shares and a transaction value of 816 million [1] - CITIC Bank closed at 7.20, down 1.37% with a trading volume of 731,300 shares and a transaction value of 529 million [1] Capital Flow Analysis - The banking sector saw a net outflow of 2.207 billion from institutional investors, while retail investors had a net inflow of 1.312 billion [1] - The table shows detailed capital flows for individual banks, indicating varying levels of net inflow and outflow among institutional, speculative, and retail investors [2]

Core Viewpoint - Ping An Bank announced a cash dividend distribution plan for 2025, reflecting its commitment to returning value to shareholders [1] Summary by Sections Dividend Distribution - The bank will distribute a cash dividend of RMB 2.36 per 10 shares, amounting to a total cash dividend of RMB 4.58 billion, based on a total share capital of 19.406 billion shares as of June 30, 2025 [1] - The dividend distribution will not include stock dividends or capital reserve transfers [1] Key Dates - The record date for the dividend distribution is set for October 14, 2025, while the ex-dividend date is October 15, 2025 [1]

证券日报网讯 9月29日晚间，平安银行发布2025年半年度权益分派实施公告称，公司2025年半年度权益 分派方案为每10股派2.3600元人民币现金（含税），股权登记日为2025年10月14日，除权除息日为2025 年10月15日。 （编辑 任世碧） ...

证券代码：000001 证券简称：平安银行 公告编号：2025-043 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司 2025 年半年度权益分派实施公告 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。 平安银行股份有限公司 2025 年半年度权益分派方案已获 2025 年 8 月 22 日 召开的本公司第十二届董事会第四十二次会议审议通过，现将权益分派事宜公告 如下： 一、董事会审议通过利润分配方案等情况 1、根据本公司 2023 年年度股东大会的授权，2025 年 8 月 22 日，本公司第 十二届董事会第四十二次会议审议通过了《平安银行股份有限公司 2025 年中期 利润分配方案》：以本公司 2025 年 6 月 30 日的总股本 19,405,918,198 股为基数， 每 10 股派发现金股利人民币 2.36 元（含税），合计派发现金股利人民币 45.80 亿元，不送红股，不以公积金转增股本。 2、在实施本次利润分配方案的股权登记日前，若本公司总股本发生变动， 按照分配总额不变的原则，相应调整分配比例。 本公司 2025 年 ...

Group 1 - Morgan Stanley Fund Management (China) Co., Ltd. has signed a sales agreement with Ping An Bank to increase the bank's role as a sales institution for certain funds starting from September 29, 2025 [1] - The applicable funds include Morgan Stanley Stable Yield Bond Fund and Morgan Stanley Quality Credit Pure Bond Fund [1] - Investors can conduct various transactions such as account opening, subscription, regular investment, redemption, and fund conversion through Ping An Bank starting from the specified date [1][2] Group 2 - The minimum deduction amount and deduction date for regular investment can be set by Ping An Bank, adhering to the fund's announcement requirements [2] - Investors can agree on the deduction date with Ping An Bank, and if the deduction date is not a trading day, it will be postponed to the next trading day [3] - Specific procedures for business handling must follow Ping An Bank's regulations, and the fund subscription and regular investment may be suspended under certain circumstances [3] Group 3 - The fee discount activity for fund subscriptions and regular investments through Ping An Bank will start on September 29, 2025, with specific discount rates and activity duration to be announced by the bank [5] - The fee discount does not apply to fund redemption or conversion and is limited to front-end subscription models [6] - The rules and processes for the fee discount activity will be determined by Ping An Bank [6] Group 4 - A notice has been issued regarding the communication-based meeting for the Morgan Stanley Pure Bond Stable Growth 18-Month Regular Open Bond Fund, scheduled for September 26, 2025 [10] - The meeting will review amendments to the fund contract, with voting starting from October 23, 2025, to October 30, 2025 [11] - The rights registration date for participating in the meeting is October 22, 2025, and only registered fund holders can vote [16] Group 5 - The voting process includes both paper and telephone voting methods, with specific requirements for each [17][20] - The effectiveness of voting will be determined based on the clarity and completeness of the submitted votes [34][35] - The meeting's resolutions will be effective if at least half of the total fund shares are represented in the voting [37]

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]