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）。 ...

Financial Performance - Operating revenue for the first half of 2025 was RMB 69,385 million, a decrease of 10.0% compared to RMB 77,132 million in the same period of 2024[36]. - Net profit attributable to shareholders for the first half of 2025 was RMB 24,870 million, down 3.9% from RMB 25,879 million in the first half of 2024[36]. - The cost-to-income ratio increased to 27.68% in the first half of 2025, up by 0.31 percentage points from 27.37% in the first half of 2024[36]. - The non-performing loan ratio improved slightly to 1.05% as of June 30, 2025, compared to 1.06% at the end of 2024[36]. - Total assets reached RMB 5,874,961 million as of June 30, 2025, reflecting a growth of 1.8% from RMB 5,769,270 million at the end of 2024[39]. - The weighted average return on equity (annualized) decreased to 10.74% in the first half of 2025, down 1.14 percentage points from 11.88% in the first half of 2024[40]. - The net interest margin (annualized) was 1.80% in the first half of 2025, a decline of 0.16 percentage points from 1.96% in the first half of 2024[36]. - The core Tier 1 capital adequacy ratio improved to 9.31% as of June 30, 2025, up by 0.19 percentage points from 9.12% at the end of 2024[36]. - The net cash flow from operating activities increased significantly by 53.6% to RMB 174,682 million in the first half of 2025, compared to RMB 113,722 million in the first half of 2024[40]. - The total equity attributable to ordinary shareholders increased by 3.6% to RMB 440,109 million as of June 30, 2025, from RMB 424,894 million at the end of 2024[39]. Risk Management - The bank has implemented various measures to effectively manage and control operational risks, including credit risk, market risk, liquidity risk, and compliance risk[4]. - A comprehensive risk management system is established, utilizing data-driven strategies to dynamically assess and mitigate risks, ensuring early detection and control of risk assets[31]. - The bank's risk monitoring system has been continuously optimized to enhance early warning management and control risks in key sectors[137]. - The bank will closely monitor internal and external economic conditions to dynamically assess asset quality and maintain risk thresholds[142]. - The bank has implemented targeted measures for overdue loans, including tailored recovery and restructuring plans[147]. Strategic Goals and Development - The bank aims to enhance its capabilities in technology finance, green finance, inclusive finance, pension finance, and digital finance, contributing to high-quality development[15]. - The bank's strategic goal is to become "the most excellent and globally leading intelligent retail bank," focusing on strengthening retail, refining corporate services, and specializing in interbank operations[17]. - The bank is committed to deepening digital transformation and enhancing risk management to support high-quality development[17]. - The company is focusing on precision in corporate banking, aligning with national development strategies and increasing financing support for key sectors such as advanced manufacturing and green finance[23]. - The bank's strategy includes leveraging its comprehensive financial services to support private enterprises, technology finance, and green finance, aligning with national strategic goals[185]. Shareholder Returns - The bank's mid-term profit distribution plan was unanimously approved by the board of directors, emphasizing shareholder returns[4]. - The bank's total share capital as of June 30, 2025, is 19,405,918,198 shares, with a cash dividend of RMB 2.36 per 10 shares (including tax) proposed for distribution to all ordinary shareholders[4]. Digital Transformation and Technology - The bank is enhancing operational efficiency through digital transformation, aiming to reduce costs and improve resource utilization[31]. - The integration of technology in financial services is being deepened, with a focus on creating a customer-driven, data-oriented operating system[30]. - The digital platform is being fully developed to enhance customer engagement through digital marketing channels and services, aiming to create a comprehensive retail customer management system[21]. - The bank's digital platform, "Ping An Pocket Bank" APP, had 177.5986 million registered users as of June 2025, a 2.0% increase from the end of the previous year, with monthly active users at 38.745 million[171]. - The bank's digital financial management platform aims to enhance the integration of financial and operational management for enterprises, providing tailored solutions for large, medium, and small clients[180]. Wealth Management - The wealth management service is being upgraded to become a significant growth engine, with a comprehensive product shelf and proactive strategy layout to enhance customer experience[20]. - The bank's wealth management fee income for the first half of 2025 was CNY 2.466 billion, a year-on-year increase of 12.8%[166]. - The bank's wealth management clients reached 1.4754 million, a year-on-year increase of 1.3%, with private banking clients at 299,900, up 3.2%[166]. - The bank's private banking AUM stood at CNY 1,966.192 billion, a decrease of 0.5% compared to the end of the previous year[166]. - In the first half of 2025, the bank's wealth management service trust balance increased by 16.3% to CNY 217.074 billion, with the number of trust clients growing by 23.8% to 42,700[166]. Loan and Deposit Management - Total loans and advances stood at RMB 3,408,498 million, reflecting a slight increase of 1.0% from the previous year[50]. - The principal amount of deposits absorbed was RMB 3,694,471 million, an increase of 4.6% from RMB 3,533,678 million[120]. - The company is focusing on optimizing deposit structure and costs, enhancing customer expansion and management of high-cost deposit products[86]. - The personal loan balance is CNY 1,725.98 billion, a decrease of 2.3% from the end of 2024, with mortgage loans making up 64.3% of personal loans[157]. - The credit card receivables balance is CNY 394.87 billion, down 9.2% compared to the end of 2024, with the number of credit card accounts at 45.39 million, a decrease of 3.3%[157][158]. Operational Efficiency - The company maintains a strong retail strategy, focusing on high-quality and sustainable growth in retail banking, with an emphasis on "efficiency first, while considering scale"[20]. - The average utilization rate of the bank's GPU resources increased by approximately 6 percentage points by June 2025[200]. - The bank's operational review automation rate improved to 61% by June 2025, an increase of 6 percentage points from the previous year[199]. - The average power usage effectiveness (PUE) of the bank's data centers decreased to 1.30 in the first half of 2025[200]. - The bank's key business systems maintained an availability rate of over 99.999% in the first half of 2025[200].

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].

Core Viewpoint - The National Financial Supervision Administration has released a draft for public consultation regarding the "Management Measures for Commercial Bank Mergers and Acquisitions Loans," outlining specific conditions for banks to engage in merger loan activities [1] Group 1: Conditions for Commercial Banks - Commercial banks wishing to offer merger loan services must have a sound operating status and well-established corporate governance [1] - Banks must possess a professional team capable of conducting due diligence and risk assessment for merger loans [1] - The previous year's regulatory rating must be good, and key regulatory indicators must meet the required standards [1] - The total asset balance of the bank, after adjustments at the end of the previous year, must not be less than 50 billion RMB to engage in merger loans, and not less than 100 billion RMB for banks involved in equity-based merger loans [1]