平安银行行长冀光恒：困难正逐步过去，上半年部分经营指标已出现积极趋势

Core Viewpoint - Ping An Bank's President Ji Guangheng stated that 2025 will be a challenging year, but positive trends in operational indicators have emerged in the first half of the year, indicating that difficulties are gradually passing [2] Group 1: Financial Performance - In the first half of 2023, Ping An Bank achieved revenue of 69.385 billion yuan, a year-on-year decrease of 10%, and a net profit attributable to shareholders of 24.87 billion yuan, down 3.9% year-on-year, with both declines improving compared to the first quarter [2] - Retail asset quality has significantly improved, with the retail non-performing loan ratio at 1.27% as of the end of June, optimizing by 5 basis points from the first quarter and 12 basis points from the end of last year, maintaining a continuous downward trend [3] Group 2: Strategic Reforms - Two years ago, Ping An Bank initiated strategic reforms to better adapt to external environmental changes, with overall progress aligning with expectations [3] - The bank has made progress in retail transformation, corporate positioning, accelerating loan disbursement, optimizing liabilities, increasing collections, and enhancing quality [3] - The retail loan "stop bleeding" initiative launched in 2023 has shown a clear turning point, with the decline in retail loan scale narrowing and a steady increase in the issuance of medium-yield products exceeding 100 million yuan daily [3] Group 3: Future Outlook - Ping An Bank aims to deepen strategic transformation and advance its strategies while focusing on improving operational performance and profit contribution [3]