11月21日，"2025第一财经金融价值榜"评选结果揭晓，平安银行凭借2025年的优秀业绩、突出表现和良好口碑，荣膺"最佳金融机构服务银行"奖项。 以蜂巢模式整合生态 做机构的综合服务伙伴 在资金同业业务领域，平安银行紧密围绕国家关于活跃资本市场、金融服务实体经济的战略部署，依托平安集团"综合金融+医疗养老"的生态资源，通过"投 资交易+客户业务"双轮驱动，积极应对政策、市场与环境变化。 平安银行坚持以客户为中心，充分发挥蜂巢经营优势，整合平安集团与银行自身在产品、渠道等多方面的资源，通过多场景、多账户、多产品的一体化服务 模式，为同业客户提供覆盖全周期的服务与陪伴闭环，助力金融市场高质量发展。 以多元供给连接市场 做机构的资产配置伙伴 在资管产品服务方面，平安银行打造了以金融机构客户为核心的集客式平台——"行E通"平台，集产品展示、产品评价、产品销售交易、产品投后分析以及 资讯和信息服务为一体，围绕同业客户的多样化需求，提供涵盖投前、投中、投后全流程的陪伴式服务。截至2025年9月，"行E通"平台累计有效客户超 1400户，通过该平台销售的资管产品保有规模近2500亿元。 3125分 - 财务企融 价值年会 ...

产品创新，破解科技型企业融资急难筹盼 随着经济发展转型与科技自主创新的深化，科技产业迎来新的发展机遇。与此同时，国内众多科技型中 小企业仍然普遍面临"技术强、资产轻"的融资困境，平均有效质押资产不足传统企业的30%。数据显 示，截至2025年三季度，因担保缺失导致融资受阻的科技型中小企业比例达45%。 转自：新华财经 作为连接科技与资本、创新与市场的桥梁，科技金融在推动科技创新驱动经济发展过程中，扮演着优化 创新资源配置、提升科技成果转化效率的重要角色。近年来，平安银行上海分行依托集团综合金融优 势，聚焦集成电路、人工智能等战略新兴产业，持续创新金融工具，构建覆盖企业全生命周期的科技金 融服务体系，以系统性解决方案助力广大科技企业突破发展瓶颈，为国家重大技术攻关注入金融动能。 全面覆盖，构建全生命周期科技金融服务体系 围绕科技企业在不同发展阶段的差异化金融服务需求，平安银行上海分行积极整合集团资源，提供覆盖 从初创扶持到产业扩张的综合金融支持，为科技企业提供全生命周期科技金融服务。 针对数量庞大的成长期科技型企业，平安银行上海分行深度应用大数据与区块链技术，有效破解传统信 贷依赖抵押物的困局。在张江药谷，专注 ...

Group 1 - Ping An Bank's board approved the redemption of 200 million preferred shares issued in March 2016, aimed at supplementing other Tier 1 capital, with a total issuance scale of 20 billion yuan [1][2] - The redemption is subject to approval from the National Financial Supervision Administration, and the bank plans to execute the redemption on the next dividend payment date, March 9, 2026 [2] - The board's decision to redeem the preferred shares received unanimous support, with no opposing or abstaining votes [1] Group 2 - Ping An Bank has successfully issued the second phase of its perpetual capital bonds for 2025, with a total issuance scale of 30 billion yuan [4][5] - The bonds were issued on November 21, 2025, with a fixed interest rate of 2.32% for the first five years, after which the rate will be adjusted every five years [5] - The funds raised from this bond issuance will be used to supplement the bank's other Tier 1 capital, subject to applicable laws and regulatory approvals [5]

Core Insights - Hainan Holdings has officially become the first strategic partner of Ping An Bank in Hainan, marking a new phase of deep collaboration between the two entities [1][2] - The strategic cooperation coincides with critical milestones, including the countdown to the full closure of Hainan Free Trade Port and the anniversaries of both Hainan Holdings and Ping An Bank [1] Group 1: Strategic Partnership - The partnership aims to integrate high-quality resources from both parties in areas such as comprehensive credit, transaction settlement, retail and technology finance, and industrial collaboration [3] - Hainan Holdings and Ping An Bank have established a solid foundation for cooperation in financing and settlement, with expectations to deepen collaboration in key areas like credit financing, project construction, and investment attraction [3] Group 2: Organizational Strengths - Hainan Holdings focuses on high-quality development and market-oriented transformation, playing a crucial role in major project construction and industrial cultivation in the region [2] - Ping An Bank, as one of the first publicly listed nationwide joint-stock banks in China, has developed a mature and stable management structure, extensive network coverage, and a leading market brand influence [2]

Core Insights - The article discusses the comprehensive upgrade of credit card services by Ping An Bank, transforming credit cards from mere payment tools into integrated service platforms that enhance safety, convenience, health, and quality of life [1][5]. Summary by Sections Upgrade of Five Major Guarantees - Ping An Bank has introduced a "72-hour fraud protection" service, offering coverage for losses up to 300,000 yuan within 72 hours before reporting the loss, with a claims processing time of 3 to 5 working days [3]. - The bank provides travel insurance for all cardholders, covering various modes of transportation with a maximum coverage of 1 million yuan [3]. - An innovative "AI Doctor" service is now available, offering 12 free consultations per year for each cardholder, with a rapid response time of 5 seconds, catering to nearly 45 million cardholders [3]. - Flexible repayment options have been introduced, including self-deduction, scheduled payments, installment payments, and point redemption, along with a 3-day grace period and a minimum repayment ratio as low as 2% [3]. Service Experience Enhancement - A dedicated customer service system via WeChat has been established, providing one-on-one service with personalized care and recommendations for benefits and activities [4]. - Users can receive timely notifications about spending changes, bills, and repayment reminders through the official WeChat service account, facilitating quick account management [4]. Transition to a Comprehensive Service Model - The upgrade signifies a shift from a "transaction center" to a "user center" service paradigm, evolving credit cards into "lifestyle partners" rather than just payment instruments [5]. - The initiative aligns with Ping An Group's strategic focus on "reform and innovation," aiming for continuous service and product upgrades [5]. - The credit card is positioned as a gateway to a wide range of services, including insurance, health management, travel services, and quality consumption, embodying the "省心、省时、又省钱" (save worry, save time, save money) philosophy [5]. Future Outlook - With the integration of AI and big data, Ping An Bank's credit card services are expected to expand further into risk protection and health intervention, maintaining a user-centric approach [6]. - The goal is to create a financial lifestyle that is not only efficient but also warm and deep, establishing the credit card as an indispensable "all-in-one partner" in users' lives [6].

证券代码：000001 证券简称：平安银行 公告编号：2025-058 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关于 2025 年 无固定期限资本债券（第二期）（债券通）发行完毕的公告 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。 经相关监管机构批准，平安银行股份有限公司（以下简称本行）于近日在全 国银行间债券市场发行了平安银行股份有限公司 2025 年无固定期限资本债券 （第二期）（债券通）（以下简称本期债券）。 本期债券于 2025 年 11 月 19 日簿记建档，于 2025 年 11 月 21 日发行完毕。 本期债券发行规模为人民币 300 亿元，前 5 年票面利率为 2.32%，每 5 年调整一 次，在第 5 年及之后的每个付息日附发行人有条件赎回权。 本期债券募集的资金将依据适用法律和监管部门的批准，用于补充本行其他 一级资本。 特此公告。 平安银行股份有限公司董事会 2025 年 11 月 22 日 ...

在本行董事会于 2025 年 8 月 22 日审议并通过上述议案时，赎回本次优先股 事项尚需取得有关监管机构批准或认可，赎回事项存在不确定性，根据《上市公 司信息披露暂缓与豁免管理规定》和《深圳证券交易所上市公司自律监管指引第 5 号——信息披露事务管理》等相关规定，本行经审慎判断，决定暂缓披露，并 按相关规定办理了暂缓披露的内部审批和登记程序。 近日，本行收到国家金融监督管理总局答复，对赎回本次优先股无异议。本 行拟于本次优先股下一派息日，即 2026 年 3 月 9 日，赎回本次优先股。 本行将依照有关法律法规及本次优先股发行文件的规定，向相关监管机构办 理其他申请手续，并及时履行信息披露义务。 特此公告。 证券代码：000001 证券简称：平安银行 公告编号：2025-057 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关于拟赎回优先股的公告 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）于 2016 年 3 月按票面金额发行 2 亿股境内优先股（以下简称本次优先股）补充其他一级资本，发行规 ...

Group 1 - The core point of the article is that Ping An Bank's Chengdu branch has been fined for improper management of loans and bank acceptance bills, amounting to 2.4 million yuan [1] - The penalties also extend to four responsible individuals who received warnings and fines totaling 260,000 yuan [1]

Core Points - The banking sector experienced a decline of 1.29% on November 21, with Minsheng Bank leading the drop [1] - The Shanghai Composite Index closed at 3834.89, down 2.45%, while the Shenzhen Component Index closed at 12538.07, down 3.41% [1] Banking Sector Performance - CITIC Bank (601998) closed at 7.92, down 0.50% with a trading volume of 680,700 shares and a transaction value of 542 million yuan [1] - China Merchants Bank (600036) closed at 43.00, down 0.53% with a trading volume of 791,300 shares and a transaction value of 3.414 billion yuan [1] - Industrial Bank (601166) closed at 21.36, down 0.74% with a trading volume of 1,022,200 shares and a transaction value of 2.188 billion yuan [1] - Ping An Bank (000001) closed at 11.69, down 1.35% with a trading volume of 1,465,400 shares and a transaction value of 1.722 billion yuan [1] - Shanghai Pudong Development Bank (600000) closed at 11.52, down 1.54% with a trading volume of 1,002,500 shares and a transaction value of 1.162 billion yuan [1] - Huaxia Bank (600015) closed at 6.99, down 1.69% with a trading volume of 1,012,500 shares and a transaction value of 716 million yuan [1] - Zhejiang Commercial Bank (601916) closed at 3.10, down 1.90% with a trading volume of 2,476,700 shares and a transaction value of 778 million yuan [1] - China Everbright Bank (601818) closed at 3.60, down 1.91% with a trading volume of 4,653,800 shares and a transaction value of 1.690 billion yuan [1] - Minsheng Bank (600016) closed at 4.11, down 2.14% with a trading volume of 5,591,500 shares and a transaction value of 2.324 billion yuan [1] Capital Flow Analysis - The banking sector saw a net outflow of 523 million yuan from main funds, while speculative funds had a net inflow of 224 million yuan and retail investors had a net inflow of 299 million yuan [1]

Core Viewpoint - The recent data from the National Financial Regulatory Administration indicates a slight increase in both the non-performing loan (NPL) balance and the NPL ratio of commercial banks, while the market for transferring non-performing loans has seen significant growth this year [1] Group 1: Non-Performing Loan Market Trends - The scale of non-performing loan transfers has surged, with over 26 billion yuan in asset packages listed since November, and the total for the first half of 2025 expected to exceed 167 billion yuan, doubling from the same period in 2024 [1][2] - The issuance of asset-backed securities (ABS) for non-performing loans has surpassed 67.857 billion yuan this year, reflecting an increase of over 80% compared to the previous year [1] Group 2: Retail Loan Risks - There is a consensus in the industry that retail loan risks are becoming more apparent, with no signs of reaching a peak yet [1][6] - Major banks are increasingly transferring personal non-performing loans to improve asset quality and release capital [1][3] Group 3: Asset Transfer Dynamics - Banks are actively listing large amounts of non-performing assets, particularly in personal loans and credit card overdrafts, with significant amounts being transferred [2] - The trend of "discount promotions" for non-performing assets is growing, with some assets being sold for as little as 10% of their original value [4] Group 4: Retail Loan Quality Indicators - The non-performing loan ratio for retail loans is on the rise, with specific banks reporting increases in their personal loan NPL ratios [6][7] - The characteristics of retail loan risks include a higher default rate in consumer loans and credit card loans, while mortgage loans remain the most stable [6][7]