净息差收缩、非息收入下滑，以及零售业务利润大幅减少，是业绩续跌的主要因素。上半年，该行的净 息差、净利差为1.8%、1.76%，同比分别下降16个、15个基点。而贷款占比超过50%的零售业务，仅实 现了10亿元左右的净利润，在全部净利润的占比仅有4%。 营收净利降幅收窄 半年报显示，截至今年6月底，平安银行总资产为5.87万亿元，同比增长1.8%；存、贷款余额分别为 3.69万亿元、3.4万亿元，同比分别增长4.6%、10%。 净息差收缩、非息收入下滑，以及零售业务利润大幅减少，是业绩续跌的主要因素。 营业收入、净利润降幅收窄，平安银行的业绩出现了下跌放缓的势头。 平安银行8月22日晚间披露的半年报显示，今年上半年，该行的营业收入、净利润同比分别下降10%、 3.9%，虽然未能扭转跌势，但比一季度分别收窄了3.1个、1.7个百分点，营收降幅同比也收窄了3个百 分点。 监管数据显示， 2024年上半年，商业银行累计净利润为1.3万亿元，平均资产利润率0.69%。今年同期 则为1.2万亿元、0.63%，同比分别减少了1000亿元、0.06个百分点。 在这种情况下，平安银行的营收、净利润延续了去年以来的下滑态势。今 ...

Core Insights - The banking industry in China is demonstrating resilience, with key indicators such as non-performing loan (NPL) ratio, provision coverage ratio, and capital adequacy ratio remaining stable and improving [1][2][3] Group 1: Banking Performance - As of the end of Q2 2025, the total assets of China's banking sector reached 467.3 trillion yuan, reflecting a year-on-year growth of 7.9% [2] - The non-performing loan balance for commercial banks was 3.4 trillion yuan, a decrease of 2.4 billion yuan from the previous quarter, resulting in an NPL ratio of 1.49%, down by 0.02 percentage points [1][2] - In H1 2025, commercial banks achieved a cumulative net profit of 1.2 trillion yuan, with average capital return on equity at 8.19% and average asset return on equity at 0.63% [2] Group 2: Asset Quality Improvement - The asset quality across various types of banks has generally improved, with NPL ratios for state-owned banks, joint-stock banks, city commercial banks, and rural commercial banks at 1.21%, 1.22%, 1.76%, and 2.77% respectively [3] - The improvement in asset quality is attributed to increased efforts in NPL disposal and stable new NPL generation rates [4] Group 3: Future Outlook - The central bank plans to continue implementing a moderately loose monetary policy to maintain ample liquidity and guide financial institutions to sustain reasonable credit growth [3][4] - The issuance of personal consumption loans and service industry loan interest subsidy policies is expected to support retail credit volume and pricing [3] - The focus for NPL disposal in the second half of the year will likely remain on personal loans, including consumer loans and credit cards, while monitoring the real estate sector and export-related industries [4][5]