证券代码：000001 证券简称：平安银行 公告编号：2025-034 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监事会决议公告 本公司及监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（以下简称本行）第十一届监事会第十五次会议通知 以书面方式于 2025 年 8 月 11 日向各监事发出。会议于 2025 年 8 月 22 日在本行 召开。本次会议的召开符合有关法律、法规、规章和公司章程的规定。会议应到 监事 6 人（包括外部监事 2 人），监事长叶望春，监事车国宝、王春汉、韩小京、 孙永桢和邓红共 6 人到现场参加了会议。 会议由本行监事长叶望春主持。会议审议通过了如下议案： 一、审议通过了《平安银行股份有限公司 2025 年半年度报告》。 经审核，监事会认为董事会编制和审议本行 2025 年半年度报告的程序符合 法律、行政法规及中国证监会的规定，报告内容真实、准确、完整地反映了本行 的实际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 以上议案同意票 6 票，反对票 0 票，弃权票 0 票。 二、审议通过了《 ...

一、审议通过了《平安银行股份有限公司 2025 年半年度报告》及《平安银 行股份有限公司 2025 年半年度报告摘要》。 本行董事会审计委员会已审议通过本议案。 本议案同意票 13 票，反对票 0 票，弃权票 0 票。 具体内容请见本行于同日在巨潮资讯网（www.cninfo.com.cn）披露的《平安 银行股份有限公司 2025 年半年度报告》及《平安银行股份有限公司 2025 年半年 度报告摘要》。 证券代码：000001 证券简称：平安银行 公告编号：2025-033 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董事会决议公告 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。 平安银行股份有限公司（以下简称本行）第十二届董事会第四十二次会议通 知以书面方式于 2025 年 8 月 11 日向各董事发出。会议于 2025 年 8 月 22 日在本 行召开。本次会议的召开符合有关法律、法规、规章和本行公司章程的规定。会 议应到董事 13 人（包括独立董事 5 人），董事长谢永林，董事冀光恒、郭晓涛、 付欣、蔡方方、郭建、项有志、杨志 ...

综合考虑股东投资回报、监管机构对资本充足率的要求以及本行业务可持续 发展等因素，以本行 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， 占合并报表中归属于本行普通股股东净利润的比例为 20.05%，占合并报表中归 属于本行股东净利润的比例为 18.42%。 在实施本次利润分配方案的股权登记日前，若本行总股本发生变动，按照分 配总额不变的原则，相应调整分配比例。 证券代码：000001 证券简称：平安银行 公告编号：2025-036 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 年中期利润分配方案公告 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。 一、审议程序 平安银行股份有限公司（以下简称本行）于 2025 年 8 月 22 日召开第十二届 董事会第四十二次会议，审议通过《平安银行股份有限公司 2025 年中期利润分 配方案》。根据股东大会授权，本次利润分配方案不需提交股东大会审议。 二、利润 ...

人民财讯8月22日电，平安银行(000001)8月22日晚间披露2025年半年报，公司上半年实现营业收入 693.85亿元，同比下降10%；归母净利润248.7亿元，同比下降3.9%。公司拟每10股派发现金红利2.36元 （含税）。 转自：证券时报 ...

平安银行公告，2025年上半年营业收入693.85亿元，同比下降10.0%；净利润248.7亿元，同比下降 3.9%。董事会决议通过的本报告期优先股利润分配预案为每10股派发现金股利人民币2.36元（含税）。 ...

平安银行股份有限公司 2025 年半年度报告 平安银行股份有限公司 2025 年半年度报告 重要提示 1、本行董事会、监事会及董事、监事、高级管理人员保证半年度报告内容的真实、准确、完整， 不存在虚假记载、误导性陈述或重大遗漏，并承担个别和连带的法律责任。 2、本行第十二届董事会第四十二次会议审议了 2025 年半年度报告及摘要。本次董事会会议应 出席董事 13 人，实到董事 13 人。会议一致同意本报告。 3、本行 2025 年半年度财务报告未经审计。安永华明会计师事务所（特殊普通合伙）对本行 2025 年半年度财务报告进行了审阅。 4、本行董事长谢永林、行长冀光恒、副行长兼首席财务官项有志、会计机构负责人郁辰声明： 保证本半年度报告中财务报告的真实、准确、完整。 5、本报告涉及未来计划等前瞻性陈述不构成本行对投资者的实质承诺，投资者及相关人士均应 当对此保持足够的风险认识，并且应当理解计划、预测与承诺之间的差异。 6、本行请投资者认真阅读本半年度报告全文，并特别注意下列风险因素：本行经营中面临的风 险主要有信用风险、市场风险、流动性风险、操作风险、国别风险、银行账簿利率风险、声誉风险、 战略风险、合规风险 ...

Group 1 - Main capital inflow was observed in the electronic, computer, and non-bank financial sectors, while outflows were noted in the banking, public utilities, and pharmaceutical sectors [1] - Specific stocks with significant inflows include Zhongke Shuguang, SMIC, and Northern Rare Earth, attracting net inflows of 4.529 billion, 3.295 billion, and 2.601 billion respectively [1] - Stocks experiencing notable outflows include Hanyu Pharmaceutical, Agricultural Bank, and Ping An Bank, facing sell-offs of 312 million, 287 million, and 280 million respectively [1]

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The market for mobile banking apps is entering a stage of stock competition, with user flow stabilizing between 650 million to 700 million from 2023 to 2025, indicating saturation [2] - User engagement with mobile banking apps is declining, necessitating refined operational strategies for banks to retain customers [4][6] User Flow and Behavior - The overall user flow of mobile banking apps in China is projected to fluctuate between 650 million and 700 million, with a change rate of -1.2% to 4.6% from 2023 to 2025, indicating market saturation [2] - User engagement metrics show a significant decline, with average daily usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are essential for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - The strategy involves three layers: foundational user insights, scenario-based and differentiated operations, and establishing emotional connections with users [7] AI Integration - AI technology is recognized for its potential value across industries, aiding banks in refining operations by enhancing interactive experiences, risk management, and data efficiency [9] Rankings and Performance - The top 50 rankings show that state-owned banks dominate, with Agricultural Bank leading at 240 million average monthly active users (MAU), followed by Industrial and Commercial Bank and China Construction Bank [11][13] - Agricultural Bank's MAU increased by 4.8%, while other major banks like China Bank and Postal Savings Bank also saw growth [12][15] - Among joint-stock banks, China Merchants Bank leads with over 70 million MAU, although many face declining user engagement [16][17] - City commercial banks performed well, with Jiangsu Bank leading at 349.6 million MAU, while private banks like WeBank saw significant declines [19][22] Case Studies of Successful Apps - Agricultural Bank integrates financial services with daily life scenarios, achieving a 4.8% increase in MAU [28][29] - China Merchants Bank continues to innovate its app to meet customer needs and leverage AI advancements [31] - Jiangsu Bank focuses on merging digital capabilities with wealth management, enhancing user experience [33] - Beijing Bank emphasizes a digital transformation strategy that combines technology, scenarios, and services [35]

Core Viewpoint - The implementation plan for the personal consumption loan interest subsidy policy has been released, with major banks preparing to comply and establish specific operational guidelines [1][2]. Group 1: Policy Implementation - Major banks, including six large state-owned banks, are actively preparing to implement the personal consumption loan interest subsidy policy, with details to be announced through official channels [1][2]. - Some banks plan to set up a dedicated section in their mobile banking apps for loan interest subsidies, allowing customers to authorize transaction information for automatic identification of eligible loans [2][3]. Group 2: Loan Interest Rates - Current consumer loan interest rates in Shanghai remain at a minimum of 3%, with some banks offering rates as low as 3% after discounts [4][5]. - Analysts have noted that the subsidized consumer loan rates could drop below 3%, raising concerns about borrowers replacing higher-rate mortgage loans with lower-rate consumer loans [5][6]. Group 3: Loan Usage and Compliance - The subsidy applies to personal consumption loans used for specific categories, including consumer goods, home purchases, education, and healthcare [5][6]. - Banks have emphasized the importance of ensuring that loan funds are used for legitimate consumption purposes, warning against fraudulent practices to obtain subsidies [5][6].

钛媒体App 8月20日消息，国家金融监督管理总局就《商业银行并购贷款管理办法（征求意见稿）》公 开征求意见。征求意见稿指出，开办并购贷款业务的商业银行法人机构应当符合以下条件：（一）经营 状况良好，公司治理完善；（二）具有从事并购贷款尽职调查和风险评估的专业团队；（三）上年度监 管评级良好，主要监管指标符合监管要求;（四）上年末并表口径调整后表内外资产余额不低于500亿元 人民币，开展参股型并购贷款业务的，上年末并表口径调整后表内外资产余额不低于1000亿元人民币。 （金融监管总局网站） ...