平安银行上半年实现净利润248.7亿元，拟中期分红45.8亿元

Core Viewpoint - Ping An Bank reported strong financial performance for the first half of 2025, with significant growth in revenue and net profit, alongside a stable asset quality and a focus on optimizing its asset structure [1][2]. Financial Performance - In the first half of 2025, Ping An Bank achieved operating revenue of 69.385 billion yuan and net profit of 24.870 billion yuan [1]. - As of June 30, total assets reached 5,874.961 billion yuan, a year-on-year increase of 1.8%, while total liabilities grew by 1.7% to 5,364.899 billion yuan [1]. - The non-performing loan ratio stood at 1.05%, a decrease of 0.01 percentage points from the end of the previous year, with a provision coverage ratio of 238.48% [1]. Dividend Distribution - The bank announced a mid-year profit distribution plan, proposing a cash dividend of 2.36 yuan per 10 shares, totaling 4.580 billion yuan, which represents 18.42% of the net profit attributable to shareholders [1]. Asset Structure Optimization - Ping An Bank has been optimizing its asset structure by increasing financing support for key sectors such as advanced manufacturing, green finance, and rural revitalization [2]. - Corporate deposits reached 23,671.33 billion yuan, up 5.4% year-on-year, while corporate loans increased by 4.7% to 16,825.20 billion yuan [2]. - New loans issued in infrastructure, automotive, public utilities, and real estate sectors amounted to 239.777 billion yuan, reflecting a year-on-year growth of 19.6% [2]. Retail Business Development - The bank is advancing its retail strategy, enhancing loan, deposit, and wealth management services to ensure sustainable growth [2]. - New inclusive loans for small and micro enterprises surged by 33.6% year-on-year [2]. - The credit card new customer acquisition scale saw a year-on-year increase, while automotive finance loan balance reached 2,956.24 billion yuan, a 0.6% increase from the end of the previous year [2]. Wealth Management and Customer Engagement - Wealth management fee income rose to 2.466 billion yuan, a 12.8% increase, with personal insurance agency income growing by 46.1% to 666 million yuan [3]. - As of June 30, the number of registered users on the Ping An Pocket Bank App reached 177.5986 million, a 2% increase, with monthly active users at 38.745 million [3]. - The contribution of comprehensive finance to net new wealth customers accounted for 57.3%, with new customer acquisition at 50.8% [3].