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中国平安: 中国平安:平安银行股份有限公司2025年半年度报告摘要
Zheng Quan Zhi Xing· 2025-08-22 16:36
Core Insights - Ping An Bank reported a decrease in operating income by 10.0% to RMB 69,385 million compared to the previous period [1][2] - The net profit attributable to shareholders decreased by 3.9% to RMB 24,870 million [1][2] - The cost-to-income ratio improved slightly to 27.68%, an increase of 0.31 percentage points [1][3] Financial Performance - Total assets increased by 1.8% to RMB 5,874,961 million [1][2] - Total equity attributable to shareholders rose by 3.6% to RMB 440,109 million [1][2] - The non-performing loan (NPL) ratio slightly decreased to 1.05% from 1.06% [1][4] Loan and Deposit Trends - Total deposits increased by 4.6% to RMB 3,694,471 million, with corporate deposits growing by 5.4% [2][3] - Total loans and advances increased by 1.0% to RMB 3,408,498 million, with corporate loans rising by 4.7% [2][3] - The overdue loan ratio remained stable, with a slight decrease in the 60-day overdue loan ratio [1][4] Capital Adequacy and Ratios - The core tier 1 capital adequacy ratio stood at 9.31%, above the regulatory requirement [4][5] - The provision coverage ratio was reported at 238.48%, indicating strong coverage for potential loan losses [4][5] - The leverage ratio was recorded at 6.73%, reflecting the bank's capital management strategy [6]