平安银行：2025年上半年，本行净息差1.80%，较去年同期下降16个基点

Core Viewpoint - Ping An Bank reported a net interest margin of 1.80% for the first half of 2025, a decrease of 16 basis points compared to the same period last year, primarily due to declining market interest rates and adjustments in loan business structure [1] Group 1: Financial Performance - The bank's net interest margin is expected to face continued downward pressure, although the rate of decline is anticipated to slow down [1] - The bank aims to enhance asset-liability management and implement refined pricing strategies to mitigate the impact of declining net interest margins [1] Group 2: Asset Management Strategy - On the asset side, the bank will focus on optimizing asset allocation and encouraging high-quality credit investments [1] - The bank plans to strengthen market analysis and dynamically adjust interbank asset allocations to improve fund utilization efficiency [1] Group 3: Liability Management Strategy - On the liability side, the bank will concentrate on attracting low-cost deposits while managing high-cost deposits to control and reduce overall funding costs [1]