平安银行：上半年不良贷款生成率1.64%

Core Viewpoint - Ping An Bank is actively enhancing its risk management policies and asset quality, demonstrating a stable overall performance in its financial health [2] Group 1: Risk Management - The bank is strengthening its forward-looking risk policy assessments and agile adjustments to manage risks effectively [2] - There is a focus on early warning and resolution of risks associated with existing assets [2] Group 2: Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio is 1.05%, a decrease of 0.01 percentage points from the end of the previous year [2] - The NPL generation rate for the first half of the year is 1.64%, down by 0.05 percentage points year-on-year [2] - The provision coverage ratio stands at 238.48%, indicating strong risk compensation capabilities [2] Group 3: Retail Loan Structure - The bank is continuously optimizing the structure of its retail loan assets, leading to a corresponding reduction in impairment provisions [2]