来源：银瑞社 回顾2025年，稠州银行各地的分行，并不平静。 从2025年7月，稠州银行南京分行因三项违规行为被处以200万元罚款，再到2025年12月底，稠州银行福 州分行因流动资金贷款贷前调查不尽职，贷后管理不到位，违规发放流动资金贷款用于固定资产投资等 被罚款415万元。 | 序号 | 当事人名称 | 主要违法违规行 | 行政处罚内容 | 作出决 | | --- | --- | --- | --- | --- | | | | 为 | 对浙江稠州 | 定机关 | | | | 流动资金贷款 贷前调查不尽 | 商业银行股 份有限公司 福州分行合 | | | | | 职,贷后管理 | | | | | | | 计处以415 | | | | | 不到位;违规 | 万元罚款, | | | | 浙江稠州商 | 发放流动资金 | | | | | 业银行股份 | 贷款用于固定 | 对丁思塔给 | 福建金 | | | | | 予警告并处 | | | 1 | 有限公司福 | 资产投资;个 | | 融监管 | | | | | 以5万元罚 | | | | 州分行及相 | 人经营贷贷款 | | 局 | | | 关责任人 | 三查不到 ...

Group 1: Loan Growth and Financial Services - The company has focused on supporting key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer services, leading to steady loan growth [2] - Future loan growth is expected to be maintained due to ongoing policy support aimed at expanding domestic demand and promoting consumption [2] Group 2: Refinancing and Internal Growth - The company emphasizes a balanced approach between dividends and internal capital growth, ensuring a solid capital foundation for sustainable development [2] - Internal capital is projected to create greater value for the company, with a commitment to enhancing performance and providing returns to shareholders [2] Group 3: Asset Quality Outlook - The company acknowledges new challenges in asset quality management due to economic fluctuations and external conditions [2] - A focus on risk management and a robust credit risk monitoring system is in place to maintain asset quality at a favorable level within the industry [2] Group 4: Compliance and Disclosure - The company ensured that all communications during the investor relations activity adhered to disclosure regulations, with no significant undisclosed information leaked [2]

| 活动过程中所使 | | | --- | --- | | 用的演示文稿、提 | | | 供的文档等附件 | 无 | | （如有，可作为附 | | | 件） | | 编号:2025-39 | 投资者关系活动 | 特定对象调研 □分析师会议 | | --- | --- | | 类别 | □媒体采访 □业绩说明会 | | | □新闻发布会 □路演活动 | | | □现场参观 □其他： | | | 公司投关团队； | | 活动参与人员 | 平安资管 王可、富国基金 徐健荣、华泰柏瑞基金 刘芷冰、华安基金 郭昶 | | | 皓 | | 时间 | 年 月 日上午 2025 12 9 | | 地点 | 公司总部大厦 | | 形式 | 现场会议 | | | 1、请问公司对未来资产质量的展望？ | | | 答：面对经济周期起伏和国内外局势变化，银行资产质量管控面临新形势、 | | | 新挑战。公司将积极应对经营环境变化，聚焦重点领域，坚守风险底线。一 | | | 方面，依托行内特色的"四化五帮"服务体系，精准助力经济重点领域，努 | | | 力做好"五篇大文章"工作，同时紧跟内外部经济形势及政策要求，严格授 | | | 信 ...

Group 1: Loan Growth and Financial Services - The company has focused on supporting key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer spending, leading to steady loan growth [2] - Future loan growth is expected to be sustained due to ongoing policy support aimed at expanding domestic demand and promoting consumption [2] Group 2: Capital Growth and Dividends - The company emphasizes the balance between dividends and internal capital growth to ensure a solid capital foundation for sustainable business development [2] - Internal capital is projected to create greater value for the company's future growth [2] Group 3: Asset Quality Outlook - The company acknowledges new challenges in asset quality management due to economic fluctuations and changing domestic and international conditions [2] - A focus on risk management and a robust credit risk monitoring system will help maintain asset quality at a favorable level within the industry [2]

Group 1: Deposit and Interest Rate Performance - The average interest rate for deposits from January to September 2025 was 1.70%, a decrease of 43 basis points compared to the same period last year, and a decrease of 37 basis points compared to the entire previous year [1] - As of September 2025, retail deposit balance was CNY 1,279.63 billion, a decrease of 0.6% from the end of last year; the average daily balance of personal deposits increased by 4.2% year-on-year [1] - The average interest rate for personal deposits was 1.87%, down 37 basis points year-on-year [1] Group 2: Asset Quality and Risk Management - As of September 2025, the non-performing loan ratio was 1.05%, a decrease of 0.01 percentage points from the end of last year; the overdue loan ratios for 60 days and 90 days were 0.77 and 0.66, respectively [1] - The provision coverage ratio was 229.60%, indicating strong risk mitigation capabilities [1] Group 3: Loan Performance - As of September 2025, personal loan balance was CNY 1,729.19 billion, a decrease of 2.1% from the end of last year; mortgage loans accounted for 63.6% of personal loans [1] - Credit card receivables amounted to CNY 400.66 billion, a decrease of 7.9% from the end of last year [1] Group 4: Wealth Management and Capital Adequacy - As of September 2025, the number of wealth management clients was 1.4911 million, an increase of 2.4% from the end of last year; private banking clients increased by 6.7% to 103,300 [3] - The core Tier 1 capital adequacy ratio was 9.52%, an increase of 0.40 percentage points from the end of last year [3] Group 5: Automotive Finance and Real Estate Exposure - As of September 2025, automotive finance loan balance was CNY 300.3 billion, an increase of 2.2% from the end of last year; new personal loans for new energy vehicles increased by 23.1% year-on-year [3] - The balance of corporate real estate loans was CNY 226.99 billion, a decrease of CNY 18.23 billion from the end of last year; the non-performing rate for real estate loans was 2.20%, an increase of 0.41 percentage points from the end of last year [3]

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on high-quality development through four main approaches: deepening operational lines, strengthening core advantages, accelerating technological transformation, and ensuring risk management [2]. - The company aims to maintain a good asset quality level despite economic fluctuations and challenges, leveraging its unique "Four Transformations and Five Supports" service system to assist key economic sectors [2]. Group 2: Loan Growth and Economic Support - The company has focused on supporting private small and micro enterprises, manufacturing, import-export businesses, and consumer sectors, leading to a steady increase in loan volume [2]. - Future loan growth is expected to be sustained as policies promoting domestic demand and consumption continue to be implemented, enhancing financial service coverage to meet the needs of the real economy [3]. Group 3: Risk Management and Credit Policies - The company emphasizes strict credit approval processes and prudent lending policies to manage credit risk effectively, ensuring stable operations [2]. - Continuous improvement of the credit risk management process is prioritized, utilizing financial technology to enhance risk monitoring systems [2].

Core Insights - Ping An Bank reported a revenue of 100.67 billion yuan for the first three quarters of 2025, a year-on-year decrease of 9.8% due to lower loan rates and business restructuring [2] - The net profit attributable to shareholders for the same period was 38.34 billion yuan, down 3.5% year-on-year [2] - The bank's non-interest income declined due to market fluctuations affecting bond investments [2] Financial Performance - The net interest margin for the first nine months was 1.79%, a decrease of 14 basis points compared to the same period last year [2] - Credit and other asset impairment losses were 25.99 billion yuan, a decrease of 18.8% year-on-year [2] - As of September 30, the non-performing loan (NPL) ratio was 1.05%, a slight decrease of 0.01 percentage points from the end of the previous year [3] Asset Quality - The total amount of loans and advances was 3.42 trillion yuan, a year-on-year increase of 1.3% [3] - The balance of non-performing loans was 35.89 billion yuan, an increase of 153 million yuan from the end of the previous year [3] - The bank's provision coverage ratio decreased from 250.71% at the beginning of the year to 229.60%, a decline of 21.11 percentage points [6] Risk Management - The bank actively managed asset quality by increasing the recovery of non-performing assets, with 32.89 billion yuan written off and 26.02 billion yuan recovered in the first nine months [3] - The balance of credit risk related to real estate was 266.23 billion yuan, a decrease of 7.10 billion yuan from the end of the previous year [4] - The bank's management emphasized maintaining a good risk coverage level and safeguarding asset quality [7] Capital Adequacy - As of September 30, 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 improvement from the end of the previous year [6] - The bank's provisioning ratio was 2.41%, a decrease of 0.25 percentage points from the beginning of the year [6] Market Outlook - The management noted that the macroeconomic environment is generally stable, with improved repayment capabilities among small and medium-sized enterprises and individuals [3] - The bank's strategic focus on capital management, cost control, and asset quality is crucial for navigating short-term performance fluctuations [7] - The future performance of the bank will depend on the recovery of the macroeconomic environment and the resolution of risks in the real estate market [7]

Group 1 - The position of president at Xi'an Bank has been filled after being vacant for over a year, with Zhang Chengzhe officially appointed as president, vice chairman, and director [2][3] - In the first half of 2025, Xi'an Bank reported a growth in both operating income and net profit attributable to shareholders, despite a general narrowing of net interest margins in the banking sector [2][8] - The bank's net interest margin increased by 34 basis points to 1.7% compared to the end of 2024, while the core Tier 1 capital adequacy ratio decreased to 9.16% [2][9] Group 2 - Zhang Chengzhe has extensive experience within Xi'an Bank, having served as vice president for nearly nine years and holding various positions since the bank's inception [4] - The bank's non-performing loan (NPL) ratio decreased to 1.6%, but the NPL balance rose from 4.078 billion to 4.653 billion, indicating ongoing asset quality concerns [9] - The rapid growth in the bank's loan portfolio, primarily driven by corporate loans, reached a total of 291.687 billion, with a year-on-year increase of 22.94% [7][8] Group 3 - The bank's investment income increased by 77% to 1.012 billion, contributing to a total operating income of 5.205 billion, a year-on-year growth of 43.7% [8] - Management instability has been noted, with frequent changes in the executive team, which may impact investor confidence and future capital plans [5][9] - The bank's strategy focuses on supporting key projects in various sectors, including manufacturing and urban development, to enhance local economic growth [7]

Group 1: Loan Growth and Support for the Economy - The company has focused on key sectors such as private small and micro enterprises, manufacturing, import-export businesses, and consumer services to enhance financial services and support the real economy, resulting in steady loan growth [2] - Future loan growth is expected to be maintained due to ongoing policy benefits aimed at expanding domestic demand and promoting consumption [2] Group 2: Capital Measurement and Regulatory Compliance - The company is actively researching the implementation of advanced capital measurement methods as per the new regulations issued by the National Financial Supervision Administration [2] - The bank is closely monitoring regulatory developments and the progress of peers in applying for advanced measurement methods [2] Group 3: Asset Quality Outlook - The bank anticipates challenges in asset quality management due to economic fluctuations and changes in domestic and international situations [2] - The company will focus on key areas and adhere to risk management principles, employing a comprehensive credit risk management process supported by financial technology [2] - Asset quality is expected to remain at a relatively good level within the industry [2] Group 4: Investor Communication and Compliance - During the investor relations activity, the company ensured thorough communication with investors while adhering to disclosure regulations, with no significant undisclosed information leaks reported [2]

Group 1: Competitive Advantage and Business Strategy - The company adopts a differentiated business strategy to adapt to changes in the operating environment, focusing on sustainable development and high-quality growth [2] - Key strategies include deepening operational focus, strengthening core advantages, accelerating technological transformation, and maintaining risk management to ensure stable operations [2] Group 2: Capital Growth and Financing - The company emphasizes the long-term relationship between dividends and internal capital growth, ensuring a solid capital foundation for sustainable business development [2] - Internal capital is expected to create greater value for the company's development, with a commitment to enhancing performance and maintaining steady internal capital growth for shareholder returns [2] Group 3: Asset Quality Outlook - The company acknowledges new challenges in asset quality management due to economic fluctuations and changes in domestic and international situations [2] - It plans to focus on key areas, adhere to risk management principles, and implement prudent credit policies while enhancing risk monitoring through financial technology [2] - The asset quality is projected to remain at a relatively good level within the industry [2]