证券代码：000001 证券简称：平安银行 公告编号：2025-054 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独立董事候选人声明与承诺 声明人潘敏作为平安银行股份有限公司第十三届董事会独立董事候选人，已 充分了解并同意由提名人平安银行股份有限公司董事会提名为平安银行股份有 限公司（以下简称该公司）第十三届董事会独立董事候选人。现公开声明和保证， 本人与该公司之间不存在任何影响本人独立性的关系，且符合相关法律、行政法 规、部门规章、规范性文件和深圳证券交易所业务规则对独立董事候选人任职资 格及独立性的要求，具体声明并承诺如下事项： 如否，请详细说明： 三、本人符合中国证监会《上市公司独立董事管理办法》和深圳证券交易所 业务规则规定的独立董事任职资格和条件。 √ 是 □ 否 如否，请详细说明： 四、本人符合该公司章程规定的独立董事任职条件。 √ 是 □ 否 一、本人已经通过平安银行股份有限公司第十二届董事会提名委员会或者独 立董事专门会议资格审查，提名人与本人不存在利害关系或者其他可能影响独立 履职情形的密切关系。 √ 是 □ 否 如否，请详细说明： 二、本人不存在《中华人民共和国 ...

证券代码：000001 证券简称：平安银行 公告编号：2025-045 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 2025 年 10 月 25 日 1 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）第十一届监事会第十六次会议通知 以书面方式于 2025 年 10 月 14 日向各监事发出。会议于 2025 年 10 月 24 日在烟 台召开。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、孙永桢和邓红到现场或通过视频参加了会议。 会议由本行监事长叶望春主持。会议审议通过了《平安银行股份有限公司 2025 年第三季度报告》。 经审核，监事会认为董事会编制和审议本行 2025 年第三季度报告的程序符 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。 ...

证券代码：000001 证券简称：平安银行 公告编号：2025-044 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 10 月 14 日向各董事发出。会议于 2025 年 10 月 24 日在 烟台召开。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、杨志群、杨军、艾春荣、吴志攀、刘峰和潘敏共 13 人到现场或通过视频等方式参加了会议。 本行第十一届监事会监事长叶望春，监事车国宝、王春汉、韩小京、孙永桢 和邓红共 6 人到现场或通过视频等方式列席了会议。 会议由本行董事长谢永林主持。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 年第三季度报告》。 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 ...

Financial Performance - Total operating income for Q3 2025 was RMB 31,283 million, a decrease of 9.2% year-on-year[8] - Net profit attributable to shareholders for Q3 2025 was RMB 13,469 million, down 2.8% year-on-year[8] - Net profit after deducting non-recurring gains and losses for Q3 2025 was RMB 13,339 million, a decrease of 3.8% year-on-year[8] - Basic and diluted earnings per share for the first nine months of 2025 were RMB 1.87, down 3.6% year-on-year[8] - The company reported a net profit of CNY 383.39 billion for the first nine months of 2025, down 3.5% year-on-year[19] - Net profit for the first nine months of 2025 was RMB 38,339 million, down from RMB 39,729 million in the same period of 2024, representing a decrease of 3.5%[109] - Net profit for the first nine months of 2025 was RMB 37,259 million, a decrease of 2.6% compared to RMB 38,238 million in the first nine months of 2024[111] Assets and Liabilities - Total assets as of September 30, 2025, were RMB 5,766,764 million, showing a slight decrease of 0.0% compared to the end of 2024[9] - The bank's total liabilities decreased to RMB 5,248,834 million as of September 30, 2025, from RMB 5,274,428 million at the end of 2024, reflecting a reduction of 0.5%[105] - The bank's equity increased to RMB 517,930 million as of September 30, 2025, compared to RMB 494,842 million at the end of 2024, marking a growth of 4.7%[105] - Total assets as of September 30, 2025, amounted to RMB 5,766,764 million, a slight decrease from RMB 5,769,270 million as of December 31, 2024[105] Loans and Deposits - Total deposits reached RMB 3,554,955 million, an increase of 0.6% from the end of 2024[11] - Total loans and advances amounted to RMB 3,417,753 million, reflecting a growth of 1.3% year-on-year[11] - Personal loan balance reached CNY 17,291.92 billion, with mortgage loans accounting for 63.6% of this total[23] - Corporate loan balance was CNY 1.69 trillion as of September 2025, reflecting a year-on-year growth of 5.1%, while corporate deposit balance increased by 1.3% to CNY 2.28 trillion[32] - The average daily balance of deposits was RMB 3,626.347 billion, with an average interest rate of 1.70%[70] - The personal deposit balance stood at CNY 1.28 trillion as of September 2025, a decrease of 0.6% year-on-year, while the average daily personal deposit balance for January to September 2025 was CNY 1.31 trillion, an increase of 4.2% year-on-year[27] Non-Performing Loans and Risk Management - The non-performing loan ratio stood at 1.05%, remaining stable compared to previous periods[14] - The non-performing loan ratio stood at 1.05% as of September 2025, a slight decrease of 0.01 percentage points from the end of the previous year[20] - The provision coverage ratio was 229.60% as of September 2025, indicating strong risk mitigation capabilities[78] - The bank's non-performing loan ratio stood at 1.05% as of September 2025, a slight decrease of 0.01 percentage points compared to the end of the previous year[78] - The bank has implemented targeted control measures for overdue loans and is actively promoting risk management and resolution efforts[86] - The bank continues to enhance its risk monitoring system and strengthen the management of non-performing loans to maintain asset quality stability[84] Income and Expenses - The bank's net interest margin for the first nine months of 2025 was 1.79%, a decrease of 14 basis points compared to the same period last year[71] - Net interest income for the first nine months of 2025 was RMB 66,553 million, a decline of 8.2% compared to RMB 72,536 million in the first nine months of 2024[109] - The bank's fee and commission income for the first nine months of 2025 was RMB 21,076 million, slightly down from RMB 21,549 million in the same period of 2024[109] - The bank's investment income for the first nine months of 2025 was RMB 16,275 million, a decrease from RMB 18,372 million in the same period of 2024, representing a decline of 11.4%[109] Customer Base and Digital Transformation - As of September 2025, the number of retail customers reached 127.59 million, a year-on-year increase of 1.6%, with retail customer assets under management (AUM) totaling CNY 4.21 trillion, up 0.5% from the previous year[26] - The registered users of the Ping An Pocket Bank APP reached 180.30 million as of September 2025, a growth of 3.6%, with monthly active users (MAU) at 40.31 million[30] - The bank's digital transformation efforts have led to a 9.6% reduction in business and management expenses, totaling CNY 276.49 billion[19] Shareholder Information - The total number of common shareholders at the end of the reporting period is 453,515[95] - The largest shareholder, China Ping An Insurance (Group) Co., Ltd., holds 49.56% of shares, totaling 9,618,540,236 shares[95] - The second-largest shareholder, China Ping An Life Insurance Co., Ltd., holds 6.11% of shares, totaling 1,186,100,488 shares[95] - The total number of preferred shareholders at the end of the reporting period is 38[98] - The largest preferred shareholder, China Ping An Life Insurance Co., Ltd. - Dividend, holds 29.00% of preferred shares, totaling 58,000,000 shares[98] Cash Flow and Investment Activities - Cash flow from operating activities for the first nine months of 2025 was RMB 71,783 million, down 47.7% from RMB 137,158 million in the same period of 2024[113] - Total investment cash inflow for the first nine months of 2025 was RMB 703,102 million, an increase from RMB 463,895 million in the same period of 2024[113] - The net cash flow from investment activities was RMB 5,679 million in 2025, compared to a net outflow of RMB 3,005 million in 2024[115] - Cash received from investment recoveries increased to RMB 653,855 million in 2025 from RMB 428,891 million in 2024, an increase of 52.5%[115]

Market Overview - On October 24, the share price of the joint-stock bank sector fell by 0.48%, with Minsheng Bank leading the decline [1] - The Shanghai Composite Index closed at 3950.31, up 0.71%, while the Shenzhen Component Index closed at 13289.18, up 2.02% [1] Individual Bank Performance - Huaxia Bank closed at 7.02, with a slight increase of 0.29% and a trading volume of 1.434 million shares, totaling 1.012 billion yuan [1] - Pudong Development Bank closed at 12.98, up 0.08%, with a trading volume of 1.833 million shares, totaling 2.383 billion yuan [1] - CITIC Bank closed at 7.94, down 0.25%, with a trading volume of 738,100 shares, totaling 586 million yuan [1] - Everbright Bank closed at 3.53, down 0.28%, with a trading volume of 3.765 million shares, totaling 1.335 billion yuan [1] - Ping An Bank closed at 11.56, down 0.60%, with a trading volume of 980,500 shares, totaling 1.138 billion yuan [1] - China Merchants Bank closed at 41.95, down 0.69%, with a trading volume of 698,800 shares, totaling 2.939 billion yuan [1] - Industrial Bank closed at 20.60, down 0.77%, with a trading volume of 871,100 shares, totaling 1.802 billion yuan [1] - Zheshang Bank closed at 3.10, down 0.96%, with a trading volume of 2.049 million shares, totaling 638 million yuan [1] - Minsheng Bank closed at 4.12, down 0.96%, with a trading volume of 7.145 million shares, totaling 2.968 billion yuan [1] Fund Flow Analysis - The joint-stock bank sector experienced a net outflow of 835 million yuan from institutional investors, while retail investors saw a net inflow of 528 million yuan [1] - The following banks had notable fund flows: - Huaxia Bank saw a net inflow of 39.617 million yuan from institutional investors, but a net outflow of 22.272 million yuan from speculative funds [2] - Industrial Bank had a net outflow of 24.775 million yuan from institutional investors, with a net inflow of 9.616 million yuan from speculative funds [2] - Minsheng Bank experienced a significant net outflow of 99.226 million yuan from institutional investors, while retail investors contributed a net inflow of 51.070 million yuan [2] - China Merchants Bank had a net outflow of 21.4 million yuan from institutional investors, with a net inflow of 117 million yuan from speculative funds [2]

Group 1 - The Hang Seng Index rebounded, closing up 0.72%, with the internet sector leading the gains, followed by banking, industry, technology, and real estate sectors [1] - The internet sector saw a rise of 1.07%, with Meituan up 4.06%, Alibaba up 1.67%, Tencent Holdings up 1.52%, JD Group up 1.5%, and Baidu Group up 1.22%. However, companies like SenseTime, Bilibili, and Kingdee International experienced declines [3] - The banking sector opened strong and maintained a consolidation above the midline, closing up 0.88%, with Postal Savings Bank rising 4.59% and Minsheng Bank up 2.39% [3] Group 2 - The consumer sector rebounded, closing up 0.35%, with notable gains from companies like Chenzi Biological up 6.68%, Li Ning up 6.55%, and Sands China up 4.4% [3] - The healthcare sector opened low and saw a slight reversal near the end, closing down 1.31%, with CSPC Pharmaceutical down 2.96% and China Biopharmaceutical down 2.78% [3]

Group 1 - Major state-owned banks and city commercial banks are launching various promotional offers such as card binding discounts, interest-free installments, and cashback in collaboration with e-commerce platforms ahead of the "Double 11" shopping festival [1][2][10] - The promotional activities are designed to attract consumers and stimulate consumption growth, with consumer loans and installment products being key tools due to their small amounts and convenience [1][15] - China Bank has partnered with Alipay to offer a consumption discount activity for users who bind their savings cards, providing random discounts for purchases during the promotional period [3][4] Group 2 - Various banks, including China Bank and Ping An Bank, are offering credit card payment discounts, with China Bank's "Installment Enjoy Discount" program providing up to 300 yuan in discounts and interest-free installments for up to 24 months [5][8] - City commercial banks like Suzhou Bank and Guiyang Bank are also participating in the promotional activities, offering discounts for credit card users and collaborating with Alipay for additional benefits [9][10] - Alipay has introduced a "Daily Discount for Bank Cards" program, allowing users to enjoy discounts for a specified number of days after registration, with participation from several major banks [10][14] Group 3 - The competitive landscape includes traditional banks facing off against popular payment options like Huabei and JD Pay, with banks leveraging their lower financing costs and broader customer base as competitive advantages [17] - However, banks face challenges in convenience and user data accumulation compared to online payment platforms, which offer quicker approval processes and targeted marketing [18] - The banking sector is experiencing pressure on net interest margins, with the average net interest margin reported at 1.42% as of the second quarter, indicating ongoing challenges in profitability [19]

每经记者｜陈晨 每经编辑｜肖芮冬 在辞别广发证券一周后，业内资深高管李谦的去向终于尘埃落定。 10月22日，《每日经济新闻》记者获悉，广发证券原副总经理李谦将加盟平安证券，出任该公司总经理 （拟任）。这一备受市场关注的人事变动，不仅为平安证券的高管团队再添一员"实力派"干将，更被视 为其"外引内升"人才战略的又一重要落子。 核心管理团队注入新动能 公开资料显示，李谦拥有中国人民大学经济学博士学位，其职业履历横跨银行与证券两大金融领域，可 谓经验丰富。他曾任中国工商银行总行金融市场部人民币利率交易处交易员、负责人（主持处室全面工 作）。进入广发证券后，他更是从一线业务部门稳步晋升，历任固定收益销售交易部副总经理（主持部 门全面工作）、固定收益销售交易部总经理、公司总经理助理、证券投资业务管理总部总经理，直至公 司副总经理等核心职务。 拥有这样一份履历，李谦也成为业内公认的"实力派"人物。此次李谦的加盟，无疑将为平安证券的核心 管理团队注入新的动能。 "外引+内升"双轮驱动 《每日经济新闻》记者观察到，除从外部引进专业化人才外，平安证券同样注重内部优秀干部的培养与 提拔。 2024年，平安证券晋升了分管公司核心板 ...

Core Insights - The annual "Double Eleven" shopping festival has prompted banks to launch various promotional activities to boost consumer spending and capture market share [1][10] - Banks are offering tailored discounts and incentives for credit and debit card users, aiming to stimulate business growth during the shopping season [1][10] Group 1: Bank Promotions - Banks are introducing diverse credit card offers, including "full reduction" discounts and interest-free installment plans for high-value purchases [1][2] - China Bank's "Installment Enjoy Discount" campaign provides tiered discounts based on purchase amounts on platforms like Taobao and JD [2] - Huishang Bank's promotion offers discounts up to 400 yuan for purchases on mobile Taobao, valid until November 20 [3] Group 2: Consumer Loan Expansion - Banks are actively expanding consumer loan services to compensate for declining housing loan growth, as the real estate market is still recovering [5] - The continuous reduction in interest rates, including the LPR remaining at historical lows, is facilitating the growth of consumer loans [6][7] Group 3: Policy Support - The Ministry of Commerce and other departments have issued measures to promote service consumption, including financial support for consumer loans [9][10] - The policies encourage financial institutions to innovate products tailored to service consumption needs, combining government subsidies with financial support and merchant discounts [9][10]

Core Viewpoint - The recent surge in gold prices has led commercial banks to increase the minimum investment thresholds for gold accumulation products multiple times this year, reflecting regulatory compliance and risk management needs [1][2][3]. Group 1: Bank Actions - Several banks, including Industrial Bank, Ping An Bank, and Bank of China, have raised the minimum investment amounts for gold accumulation products, with Ping An Bank increasing its minimum from 900 RMB to 1100 RMB and Industrial Bank raising it to 1200 RMB, marking the fourth increase this year [1][2]. - The adjustments in minimum investment amounts are in line with the People's Bank of China's regulations and are aimed at enhancing risk control measures [2][3]. Group 2: Market Conditions - The international gold price has seen a cumulative increase of approximately 60% this year, with gold prices reaching multiple historical highs, but a significant drop of over 5% occurred on October 21 [3][4]. - Experts indicate that gold is transitioning from a safe-haven asset to a high-volatility asset, with the potential for a technical correction following a period of overbuying [4][5]. Group 3: Investment Recommendations - Investors are advised to be cautious of high volatility in gold prices and to manage their investment positions wisely, considering their risk tolerance [3][5]. - It is suggested that investors diversify their portfolios by including physical gold, gold ETFs, futures, or gold stocks to mitigate risks and adhere to a long-term investment strategy [5].