平安银行前三季度实现营收1006.68亿元，不良贷款率降至1.05%

Core Insights - Ping An Bank reported a 9.8% year-on-year decline in operating income for the first three quarters of 2025, totaling 100.67 billion yuan, and a 3.5% decrease in net profit to 38.34 billion yuan [1][2] - The bank's net interest margin decreased by 14 basis points to 1.79% due to falling loan rates and adjustments in business structure [1] - Non-interest income from bond investments declined due to market volatility, impacting overall revenue [1] Business Scale - As of the end of the reporting period, Ping An Bank's total assets reached 57,667.64 billion yuan, with total loans and advances amounting to 34,177.53 billion yuan, reflecting a 1.3% increase from the previous year [2] - Corporate loan balances grew by 5.1% year-on-year, while personal loan balances decreased by 2.1%, with mortgage loans constituting 63.6% of personal loans [2] - The bank's total liabilities stood at 52,488.34 billion yuan, with deposits amounting to 35,549.55 billion yuan, a 0.6% increase from the previous year [2] Asset Quality - As of September 2025, the non-performing loan ratio was 1.05%, a slight decrease of 0.01 percentage points from the end of the previous year [2] - The bank maintained a strong risk coverage capability, with a provision coverage ratio of 229.60% [2] - The average interest rate on interest-bearing liabilities decreased by 47 basis points to 1.73%, while the average interest rate on deposits fell by 43 basis points to 1.70% [2] Capital Adequacy - At the end of the reporting period, the core tier 1 capital adequacy ratio was 9.52%, the tier 1 capital adequacy ratio was 11.06%, and the total capital adequacy ratio was 13.48%, all showing an increase of 0.40, 0.37, and 0.37 percentage points respectively from the previous year [2]