Core Insights - Ping An Bank reported a decline in revenue and net profit for the first half of 2025, with total operating income at 69.385 billion yuan, down 10.0% year-on-year, and net profit attributable to shareholders at 24.87 billion yuan, down 3.9% year-on-year [1][2] Financial Performance - The bank's net interest margin decreased to 1.80%, a drop of 16 basis points compared to the same period last year, influenced by falling market interest rates and adjustments in loan business structure [1] - Non-interest income from bond investments and other businesses also declined due to market volatility [1] - Management and business expenses were reduced to 19.206 billion yuan, a decrease of 9.0% year-on-year, driven by digital transformation efforts [1] - Credit and other asset impairment losses were reported at 19.450 billion yuan, down 16.0% year-on-year, indicating improved asset quality management [1] Asset and Liability Management - As of June 30, 2025, total assets reached 5,874.961 billion yuan, an increase of 1.8% from the end of the previous year [2] - The total amount of loans and advances was 3,408.498 billion yuan, up 1.0% year-on-year, with significant growth in loans to manufacturing, technology, and green finance sectors [2] - Total liabilities amounted to 5,364.899 billion yuan, a growth of 1.7% from the previous year, with total deposits increasing by 4.6% to 3,694.471 billion yuan [2] - The average interest rate on interest-bearing liabilities was 1.79%, down 46 basis points year-on-year, while the average interest rate on deposits was 1.76%, down 42 basis points year-on-year [2]

Group 1 - Changjiang Electric Power's controlling shareholder plans to increase its stake by 4 billion to 8 billion yuan within the next 12 months through secondary market transactions [1] - Goer Technology's subsidiary intends to acquire 100% equity of Shanghai Aolai, enhancing its core competitiveness in micro-nano optical devices [2] - Huakin Technology is planning to issue H-shares and list on the Hong Kong Stock Exchange to accelerate internationalization and enhance overseas financing capabilities [3] Group 2 - Shuyou Shen has received a Phase I clinical research summary report for STSP-0902 eye drops, indicating good safety and tolerability [4] - Yuanlin Co. announced that it has no business related to graphene despite a significant stock price increase, emphasizing the lack of relevant technology and talent [5] - Newnow's subsidiary has received approval for clinical trials of SYS6036 injection, a humanized monoclonal antibody for tumor immunotherapy [6] Group 3 - Kaige Precision's net profit increased by 144% year-on-year in the first half of the year, with revenue of 454 million yuan [7][8] - Chipone Technology's shareholders plan to transfer 5% of the company's shares through a pricing inquiry due to personal funding needs [9] - Tailin Micro is planning to acquire all or part of the equity of Shanghai Panqi Microelectronics, with stock suspension expected for up to 10 trading days [10] Group 4 - Sihua New Materials stated that the application of liquid cooling technology will not significantly impact its operating performance in the short term [11] - Xin'ao Co. plans to privatize Xin'ao Energy Holdings through its wholly-owned subsidiary and has completed the necessary regulatory filings [12] - Jingwang Electronics intends to invest 5 billion yuan in expanding its Zhuhai Jinwan base to enhance its competitive advantage in high-end products [13] Group 5 - Huilv Ecology's subsidiary signed contracts for the construction of a light module production base with a total investment of 700 million yuan [14] - Zhongjian Technology has authorized management to initiate preparations for issuing H-shares and listing on the Hong Kong Stock Exchange [15] - Huayang Lianzhong's stock will be subject to risk warnings and will be renamed ST Huayang starting August 26 [16] Group 6 - Shengyang Co. plans to establish a joint venture to enter the open-source Hongmeng ecosystem business with a registered capital of 50 million yuan [18] - Jiangsu Guotai intends to use up to 12 billion yuan of idle funds for entrusted wealth management in low-risk financial products [19] - Ping An Bank reported a 3.9% decline in net profit for the first half of the year, with a proposed cash dividend of 2.36 yuan per 10 shares [20] Group 7 - Shenkong Co. reported a 926% increase in net profit for the first half of the year, driven by demand in the semiconductor industry [21] - Zhangjiang Hi-Tech's net profit grew by 38.64% year-on-year, with revenue of 1.704 billion yuan [22] - Silan Micro achieved a net profit of 265 million yuan in the first half of the year, reversing a loss from the previous year [23] Group 8 - Ganfeng Lithium reported a net loss of 531 million yuan in the first half of the year, impacted by price adjustments in the lithium industry [24] - Zhaoyi Innovation's net profit increased by 11.31% year-on-year, with revenue of 4.15 billion yuan [25] - Dongxin Co. reported a net loss of 111 million yuan in the first half of the year, despite a revenue increase [26] Group 9 - Pizaihuang's net profit decreased by 16.22% year-on-year, with total revenue of 5.379 billion yuan [27] - Luoyang Molybdenum's net profit increased by 60% year-on-year, achieving a revenue of 94.773 billion yuan [28] - Tongwei Co. reported a net loss of 4.955 billion yuan in the first half of the year, primarily due to price adjustments in the photovoltaic industry [29] Group 10 - Chunzong Technology reported a net loss of 40 million yuan in the first half of the year, with a significant revenue decline [30] - China CNR's net profit increased by 72.48% year-on-year, with a proposed cash dividend of 1.1 yuan per 10 shares [31] - Shennuo Bio's shareholders plan to reduce their holdings by up to 3.43% [32]

8月22晚间，平安银行向深圳证券交易所提交了2025年半年度业绩报告。 今年上半年，实现营业收入693.85亿元，同比下降10.0%。实现净利润248.70亿元，同比下降3.9%，降 幅较第一季度有所收窄。 该行解释，主要受市场利率下行、贷款业务结构调整等因素影响，净息差1.80%，较去年同期下降16个 基点；受市场波动影响，债券投资等业务非利息净收入下降。通过数字化转型驱动降本增效，业务及管 理费192.06亿元，同比下降9.0%；同时，加强资产质量管控，加大不良资产清收处置力度，信用及其他 资产减值损失194.50亿元，同比下降16.0%。 资产质量方面，6月末该行不良贷款率1.05%，较上年末下降0.01个百分点，上半年，不良贷款生成率 1.64%，较去年全年下降0.16个百分点；上半年，收回不良资产总额185.56亿元，同比增长13.8%；拨备 覆盖率238.48%，风险抵补能力保持良好。 分红方面，平安银行方面称，继续实施中期分红，以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。 尽管业绩承压， ...

Core Viewpoint - Ping An Bank reported a steady performance in the first half of 2025, focusing on digital transformation, risk management, and supporting the real economy while navigating challenges such as declining interest rates and loan restructuring [1][2]. Financial Performance - Revenue for the first half of 2025 was CNY 69.385 billion, a year-on-year decrease of 10.0%, primarily due to lower market interest rates and adjustments in loan business structure [2] - Net profit reached CNY 24.870 billion, down 3.9% year-on-year, with the decline narrowing compared to the first quarter [2] - Total assets amounted to CNY 5.874 trillion, a 1.8% increase from the end of the previous year [2] Deposit and Loan Growth - Total liabilities were CNY 5.365 trillion, up 1.7% from the end of the previous year, with total deposits reaching CNY 3.694 trillion, a 4.6% increase [3] - The average interest rate on interest-bearing liabilities was 1.79%, down 46 basis points year-on-year [3] - Corporate loans increased by 4.7% year-on-year, with a total loan balance of CNY 1.683 trillion [7] Risk Management - The non-performing loan ratio was 1.05%, a slight decrease from the end of the previous year, with a recovery of non-performing assets totaling CNY 18.556 billion, up 13.8% year-on-year [3] - The provision coverage ratio stood at 238.48%, indicating strong risk mitigation capabilities [3] Capital Adequacy and Dividends - Core Tier 1 capital adequacy ratio was 9.31%, with overall capital adequacy ratio at 13.26%, both showing slight increases from the previous year [3] - The bank announced a mid-term dividend of CNY 2.36 per share, totaling CNY 4.580 billion [3] Retail Business Strategy - The bank is committed to enhancing its retail strategy, focusing on optimizing loan structures and improving customer experience [4] - Personal loan balance was CNY 1.726 trillion, with a 2.3% decrease year-on-year, while personal deposits grew by 3.1% to CNY 1.327 trillion [5][6] Corporate Banking Focus - The corporate banking segment emphasizes precision in industry, customer, and product offerings, with significant support for advanced manufacturing, green finance, and technology sectors [7][8] - The number of corporate clients increased by 6.5% to 909,100, with strategic client loans growing by 15.8% [8] Sustainable Development Initiatives - The bank is actively promoting green finance, with green loan balances reaching CNY 251.746 billion, a 6.0% increase [10] - Support for rural revitalization included CNY 31.259 billion in funding, with a total of CNY 183.506 billion allocated to rural initiatives [11]

Core Viewpoint - Ping An Bank's 2025 mid-year performance report highlights a steady business operation, emphasizing the importance of digital transformation, risk management, and strategic reforms to enhance retail, corporate, and interbank business segments [1][2]. Retail Business - The bank maintains a strong retail strategy, focusing on optimizing loan structures and enhancing product offerings to improve customer experience and market competitiveness. As of June, personal loan balance was CNY 17,259.78 billion, down 2.3% from the end of last year, with a non-performing loan ratio of 1.27%, a decrease of 0.12 percentage points [3][4]. - Personal deposits reached CNY 13,273.38 billion, up 3.1% year-on-year, with average interest rates declining by 37 basis points to 1.92%. Wealth management fee income grew by 12.8% to CNY 24.66 billion [4][6]. Digital and Comprehensive Financial Platforms - The bank continues to enhance its digital and comprehensive financial platforms, with registered users of the Ping An Pocket Bank APP reaching 177.60 million, a 2.0% increase. The contribution of comprehensive finance to new wealth clients was 57.3% [5][6]. Corporate Business - Ping An Bank focuses on refining its corporate business by supporting key sectors such as advanced manufacturing and green finance. As of June, corporate deposits were CNY 23,671.33 billion, up 5.4%, while corporate loans increased by 4.7% to CNY 16,825.20 billion [7][8]. - The bank has established a tiered customer management system, resulting in a 6.5% increase in corporate clients to 909,100, with strategic client loans growing by 15.8% [8]. Interbank Business - The bank's interbank business adapts to market changes, enhancing investment trading capabilities and customer services. As of June, the number of value clients reached 1,328, with bond sales increasing by 79.0% to CNY 169.36 billion [9]. Sustainable Development and Social Responsibility - Ping An Bank actively promotes green finance, with green loan balances reaching CNY 251.75 billion, a 6.0% increase. The bank also supports rural revitalization, with CNY 312.59 billion allocated to related initiatives [11][12]. Financial Performance - For the first half of 2025, the bank reported operating income of CNY 693.85 billion, a 10.0% decline, while net profit was CNY 248.70 billion, down 3.9%. The capital adequacy ratios improved, with the core tier one capital ratio at 9.31% [6][12].

资产质量方面，截至2025年6月末，平安银行不良贷款率1.05%，较上年末下降0.01个百分点；逾期60天 以上贷款偏离度及逾期90天以上贷款偏离度分别为0.79和0.67；拨备覆盖率238.48%。截至2025年6月 末，平安银行企业贷款不良率0.83%，较上年末上升0.13个百分点，主要是部分存量房地产业务风险增 加所致，该行表示，对整体资产质量影响可控，企业信贷风险指标保持良好水平。个人贷款不良率 1.27%，较上年末下降0.12个百分点，较2025年3月末下降0.05个百分点。 通过数字化转型驱动降本增效，该行业务及管理费192.06亿元，同比下降9.0%；同时，加强资产质量管 控，加大不良资产清收处置力度，信用及其他资产减值损失194.50亿元，同比下降16.0%。 北京商报讯（记者 宋亦桐）8月22日，平安银行发布2025年半年度报告，2025年上半年，该行实现营业 收入693.85亿元，同比下降10.0%，该行表示，主要受市场利率下行、贷款业务结构调整等因素影响， 净息差1.80%，较去年同期下降16个基点；受市场波动影响，债券投资等业务非利息净收入下降。报告 期内，平安银行实现归属于该行股东的 ...

中国平安（601318）(02318)公布平安银行（000001）2025年半年度业绩，营业收入为693.85亿元，同比 减少10%;归属于该行股东的净利润为248.7亿元，同比减少3.9%;每股收益1.18元，每10股派发现金股利 人民币2.36元(含税)。 ...

8月22日，平安银行发布2025年半年度报告。报告显示，2025年上半年，集团实现营业收入693.85亿 元，净息差1.80%，实现净利润248.70亿元，降幅较第一季度有所收窄。 2025年6月末，集团资产总额5.87万亿元，较上年末增长1.8%；发放贷款和垫款本金总额3.41万亿元， 较上年末增长1.0%。负债总额5.36万亿元，较上年末增长1.7%；吸收存款本金余额3.69万亿元，较上年 末增长4.6%。计息负债平均付息率1.79%，较去年同期下降46个基点；吸收存款平均付息率1.76%，较 去年同期下降42个基点。 资产质量方面，2025年6月末，平安银行不良贷款率1.05%，较上年末下降0.01个百分点；逾期60天以上 贷款偏离度及逾期90天以上贷款偏离度分别为0.79和0.67；拨备覆盖率238.48%，风险抵补能力保持良 好。 资本充足率集体提升。2025年6月末，集团核心一级资本充足率、一级资本充足率及资本充足率分别为 9.31%、10.85%、13.26%，较上年末分别上升0.19、0.16、0.15个百分点。 （平安银行） ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負 責，對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部 或任何部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 海外監管公告 本公告乃根據《香港聯合交易所有限公司證券上市規則》第13.09和13.10B條而 作出。 茲載列中國平安保險（集團）股份有限公司在上海證券交易所網站刊登的「中國 平安保險（集團）股份有限公司關於披露平安銀行2025年半年度報告摘要的公 告」，僅供參閱。 承董事會命 盛瑞生 公司秘書 中國深圳，2025年8月22日 於本公告日期，本公司的執行董事為馬明哲、謝永林、郭曉濤、付欣及蔡方方；非執行 董事為謝吉人、楊小平、何建鋒及蔡潯；獨立非執行董事為伍成業、儲一昀、劉宏、吳 港平、金李及王廣謙。 证券代码：601318 证券简称：中国平安 公告编号：临 2025-032 中国平安保险（集团）股份有限公司 关于披露平安银行 2025 年半年度报告摘要的公告 中国平安保险（集团）股份有限公司（以下简称"本公司"）董事会及全体董事 保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容的 ...

注：平安银行股份有限公司（以下简称本行）作为上市的商业银行，向关联方发放的贷款及持有关联方发行的债券严格依据相关规定开展，不属于一般意义上的关联方占用上市公司资金范畴。 本行与关联方的重大交易以及经营性往来，已在本行截至 2025 年６月 30 日止六个月期间的中期财务报表附注八中披露，因此本表未作相应的披露。 2025 年上半年控股股东及其他关联方非经营性资金占用及其他关联资金往来情况汇总表 (除特别注明外,金额单位为人民币百万元) | 非经营性资金占用 | 受美 占用方名称 | 占用方与 上市公司 的关联关系 | 上市公司核算 的会计科目 | CONDINO 3 2025 年期初 占用资金余额 | 2025 年上半年 占用累计 发生金额 | 2025 年上半年 占用资金 的利息(如有) | 2025年上半年 偿还累计 发生金额 | 2025年6月末 占用资金余额 | 占用 形成原因 | 占用性质 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | (不含利息) | | | | | | | 控股股 ...