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深度 | 首提零售改革“效益优先、兼顾规模”,平安银行在释放什么信号?
券商中国· 2025-08-26 08:43
纵观平安银行这两年的零售调整思路,一个明显的方法论显现:高风险高收益产品,让位于中风险中收益产品。而零售贷款余额阶段性下降,可以理解为在这个 阶段内,中风险中收益产品尚在补位。 在2025年中期业绩发布会上,平安银行党委书记、行长冀光恒用了一个很形象的比喻描述这一动态平衡:"过去的东西(高风险高收益产品)有没有出清、新的后备 军(中风险中收益产品)有没有在排队。" 一些向好的、趋势性的拐点正在显现—— 上半年平安银行零售资产余额同比、环比跌幅均放缓;结构优化,存量高风险产品基本出清,基石类和中收益产品储备上 量;零售资产质量、存款付息率、资产收益率等关键经营指标持续优化。 值得一提的是,冀光恒在概述零售改革的最新进展时,首次用了"效益优先、兼顾规模"的表述。 这八个字意味深长,因为银行零售业务在宏观经济形势、居民收入变化、有效消费需求等多重因素影响下,并没有迎来顺周期。包括五家大行在内的多家上市行, 去年年报的显著共性就是零售业务集体失速,业务收入和净利占比均不同程度下降。 当"量"很难在非顺周期下扩张的时候,结构就一定要调好。"我们将进一步零售调整资产结构,做优做强基石类贷款,同时进一步推动中收益贷款的稳步 ...
平安银行(000001):营收利润降幅收窄 零售不良加速下行
Xin Lang Cai Jing· 2025-08-24 08:30
事件:8/22,平安银行披露2025 年半年报,公司1H25 实现营收693.85亿元,同比-10.0%,降幅较1Q25 收窄3.0pct;实现归母净利润248.70 亿元,同比-3.9%,降幅较1Q25 收窄1.7pct。1H25 净息差1.80%,较 1Q25-3bp,1H25 末不良贷款率1.05%,较1Q25 末-1bp。 业绩降幅收窄主要得益于非息收入环比改善:1)外部市场利率下行叠加内部贷款结构调整,利息收入 压力仍大。1H25 公司净利息收入同比-9.3%,降幅较1Q25 的-9.4%基本持平,其中生息资产规模稳步扩 张,贡献业绩2.5pct,净息差受内外部综合影响拖累业绩11.8pct。2)中收、其他非息收入较1Q25 均有 改善。中收方面,平安银行1H25 实现手续费及佣金收入127.39 亿元,同比-2.0%,较1Q25 的-8.2%改善 明显,主因公司财富管理手续费收入增长,1H25 代理个人保险/理财/基金收入分别同比 +46.1%/+16.3%/+4.7%。其他非息收入方面,受上半年债市波动影响,平安银行实现净其他非息收入 121.39 亿元,同比-19.3%,但环比来看增速较1Q2 ...
金融监管总局推进两岸银行保险业融合发展
Zheng Quan Ri Bao· 2025-08-23 07:59
原标题:"金融监管总局:推进两岸银行业保险业融合发展" 在全面加强金融监管,有效防范化解金融风险方面,《措施》明确,统筹发展和安全,做好台胞台企金 融服务的风险监测和防控工作。对风险做到早识别、早预警、早暴露、早处置,严守风险底线。督促金 融机构增强风险防范意识,相关产品和服务开展前做好风险评估,业务开展过程中持续做好风险监测, 加强信用风险、操作风险等业务风险的日常管理,定期对业务开展情况进行总结,并不断优化业务流 程。同时强化对外部风险影响的研判,及时妥善处置相关业务风险,推动各项政策措施稳妥有序落实见 效。 据悉,下一步,金融监管总局将持续推动《措施》各项内容落地,进一步加强银行业保险业支持海峡两 岸融合发展力度,助力两岸融合发展示范区建设。 延伸阅读: 金融监管总局拟拓宽并购贷款适用范围 金融监管总局加强地方资产管理公司监管 金融监管总局修订货币经纪公司管理办法 《措施》从银行业保险业支持福建发挥对台前沿区域优势的角度,在推进两岸银行业保险业融合发展、 深化闽台金融业务合作,提升对台金融服务质效、促进闽台经贸人员往来,优化台胞金融服务体验、便 利台胞在闽生活,全面加强金融监管、有效防范化解金融风险等四 ...
金融监管局:支持福建的银行为具备购房资格台胞同等办理住房按揭贷款业务
Cai Jing Wang· 2025-08-22 14:21
8月22日,国家金融监督管理总局办公厅印发《关于银行业保险业支持福建建设两岸融合发展示范区的 若干措施》。其中提到,鼓励福建的银行持续优化信用卡服务,针对台胞的需求定制有梯度的信用卡服 务专案。鼓励福建的银行在依法合规、风险可控前提下,优化内部流程,提高1万元以下小额信用卡服 务效率和便捷性。支持福建的银行在遵循房地产调控政策的基础上,为具备购房资格的台胞同等办理住 房按揭贷款业务,满足在闽台胞购买自住商品房的合理需求。鼓励福建的银行在依法合规前提下为在陆 台胞购买理财产品提供更便捷的服务。 满足在闽台胞购买自住商品房的合理需求 ...
金融监管总局:支持福建的银行机构持续优化对台金融服务
Bei Jing Shang Bao· 2025-08-22 11:25
Group 1 - The core viewpoint of the news is the issuance of measures by the Financial Regulatory Administration to support the construction of a cross-strait integration development demonstration zone in Fujian, enhancing financial cooperation between Fujian and Taiwan [1] - The measures include 16 policy initiatives aimed at promoting the integration of financial services and enhancing the quality of financial services for Taiwanese businesses and residents in Fujian [1][2] - Specific support includes allowing Taiwanese banks to establish legal entities and branches in Fujian, encouraging investment in local financial institutions, and exploring more areas for financial cooperation [1][2] Group 2 - The measures emphasize optimizing financial services for Taiwanese residents and enterprises, focusing on resource allocation to areas with significant Taiwanese economic activities [2] - Fujian banks are encouraged to enhance their service standards for Taiwanese clients, creating exemplary banks for Taiwanese businesses [2] - Support is provided for the integration of industrial and supply chains between Fujian and Taiwan, prioritizing funding for major projects related to cross-strait integration [2] Group 3 - The measures also include provisions for Taiwanese residents to access housing mortgage loans under the same conditions as local residents, addressing their housing needs in Fujian [3] - There is encouragement for Fujian banks to offer more convenient services for Taiwanese residents purchasing financial products, enhancing overall service efficiency [3] - The initiative aims to facilitate financial services for residents of Kinmen and Matsu, promoting a "same-city living circle" between Fuzhou and Matsu, as well as Xiamen and Kinmen [3]
国家金融监督管理总局:支持福建的银行在遵循房地产调控政策的基础上 为具备购房资格的台胞同等办理住房按揭贷款业务
Zheng Quan Shi Bao Wang· 2025-08-22 10:05
人民财讯8月22日电,国家金融监督管理总局印发《关于银行业保险业支持福建建设两岸融合发展示范 区的若干措施》,措施提到,支持福建的银行在遵循房地产调控政策的基础上,为具备购房资格的台胞 同等办理住房按揭贷款业务,满足在闽台胞购买自住商品房的合理需求。 ...
银行业零售资产业务:特征剖析与应对之策|银行与保险
清华金融评论· 2025-07-26 09:38
Core Viewpoint - The retail asset business of commercial banks in China is currently underperforming, which is seen as a temporary phenomenon. Strategies are suggested to better understand the business logic of retail assets and to focus on risk management models that emphasize the primary repayment source [1][14]. Summary by Sections Performance of Retail Asset Business - The retail asset business, which includes housing mortgage loans, personal consumption loans, personal business loans, and credit card services, is facing significant pressure in 2024, characterized by a slowdown in personal loan growth, declining yields, and rising non-performing loan (NPL) ratios. The growth rate of personal loans dropped from over 10% before 2021 to 4.89% in 2022 and further to 3.69% in 2024. The average NPL ratio for personal loans increased from below 1% before 2021 to 1.10% in 2022 and 1.51% in 2024, marking a rise of over 65% compared to 2021 [2][3][5]. Characteristics of Retail Asset Business - Retail asset business is characterized by light capital attributes, risk diversification advantages, and weak cyclical features. The light capital nature is reinforced by new regulations effective from 2024, which lower risk weights for various types of retail loans. The risk diversification is due to the broad customer base, minimizing the impact of individual defaults. The weak cyclical nature allows retail assets to provide stability during economic fluctuations, as evidenced by historical data from the U.S. banking sector [8][9][10]. Underperformance as a Temporary Phenomenon - The underperformance of retail asset business since 2022 is attributed to a supply-demand imbalance in the economy. The real estate market's downturn and weak consumer demand have led to reduced consumer confidence and spending. This imbalance has persisted for over a year, affecting the performance of personal business loans and consumption loans, particularly for small and micro enterprises [13][14][16].
平安银行(000001) - 投资者关系管理信息
2025-07-14 07:46
Group 1: Financial Performance - In Q1 2025, the bank's revenue was CNY 33.709 billion, a year-on-year decrease of 13.1% [2] - Net profit for Q1 2025 was CNY 14.096 billion, down 5.6% year-on-year [2] - The bank's operating expenses were CNY 9.055 billion, a decrease of 13.2% year-on-year [2] Group 2: Dividend Distribution - For the year 2024, the bank plans to distribute a cash dividend of CNY 6.08 per 10 shares, totaling CNY 11.799 billion, which is 28.32% of the net profit attributable to ordinary shareholders [3] - The interim dividend for 2024 is CNY 2.46 per 10 shares, amounting to CNY 4.774 billion [3] - The final dividend for 2024 is CNY 3.62 per 10 shares, totaling CNY 7.025 billion [3] Group 3: Asset Quality - As of March 2025, the non-performing loan (NPL) ratio was 1.06%, unchanged from the end of the previous year [5] - The provision coverage ratio was 236.53%, with a provision-to-loan ratio of 2.50% [5] - In Q1 2025, the bank wrote off loans amounting to CNY 17.065 billion and recovered CNY 9.425 billion in non-performing assets [5] Group 4: Interest Margin - The net interest margin in Q1 2025 was 1.83%, a decrease of 18 basis points year-on-year [4] - The bank anticipates continued downward pressure on the net interest margin in 2025, but at a slower rate [4] Group 5: Wealth Management - Wealth management fee income in Q1 2025 was CNY 1.208 billion, a year-on-year increase of 12.5% [6] - Personal insurance income grew by 38.7% to CNY 0.344 billion, while personal fund income increased by 5.7% to CNY 0.522 billion [6] Group 6: Capital Adequacy - As of the end of 2024, the bank's capital adequacy ratios were 9.12% for core tier 1, 10.69% for tier 1, and 13.11% for total capital [8] - The bank plans to balance internal and external capital replenishment to maintain adequate capital levels [8] Group 7: Deposit Growth - As of March 2025, personal deposits totaled CNY 1,330.883 billion, a growth of 3.4% from the end of the previous year [9] - The average daily balance of personal deposits in Q1 2025 was CNY 1,316.631 billion, up 6.5% year-on-year [9] Group 8: Loan Growth - As of March 2025, personal loan balances were CNY 1,729.046 billion, a decrease of 2.2% from the end of the previous year [10] - Housing mortgage loans increased by 4.1% to CNY 339.434 billion, while credit card receivables decreased by 7.9% to CNY 400.638 billion [10]
新任党委书记顾建忠首次亮相,上海银行业绩发布会明确创新转型
2 1 Shi Ji Jing Ji Bao Dao· 2025-05-07 14:12
Core Viewpoint - The leadership of Shanghai Bank emphasizes the need for transformation and high-quality development, focusing on three key areas: technology innovation, green finance, and inclusive finance [1] Financial Performance - In 2023, Shanghai Bank achieved a net profit of 23.56 billion yuan, a year-on-year increase of 4.5%, with operating income of 52.99 billion yuan, up 4.79% [2] - In Q1 2024, the bank reported operating income of 13.60 billion yuan, a 3.85% increase, and a net profit of 6.29 billion yuan, growing by 2.3% [2] Liability Management - Shanghai Bank has optimized its liability structure, reducing the cost of liabilities, with a decrease in interest-bearing liabilities' interest rate by 15 basis points in 2024 and 43 basis points in Q1 2025 [3] - The bank aims to reduce high-interest deposits by 50 billion yuan in 2024, with a 4.1 percentage point decrease in the proportion of three-year and above personal deposits [3] Sustainable Development Strategy - The bank plans to enhance its sustainable development capabilities by focusing on serving the real economy and improving professional service capabilities [4] - Talent management is highlighted as a key resource, with a focus on training and team building to enhance employee motivation and operational vitality [4] Risk Management - Shanghai Bank has accelerated the resolution of existing risks, with over 20 billion yuan in risk asset resolution maintained for three consecutive years, reaching 24.6 billion yuan in 2024 [5] - The bank has implemented a differentiated management approach for real estate risks, focusing on stabilizing total volume, strengthening post-loan management, and optimizing structure [6] Credit Growth Targets - For 2025, Shanghai Bank aims for a credit growth target of around 5%, with a focus on maintaining quality while achieving reasonable growth [7] - The bank plans to increase corporate credit issuance to over 600 billion yuan in 2025, with a growth rate of over 6% [7] - In retail lending, the bank targets a positive growth rate of 5-6% in 2025, with a focus on housing and automotive loans, particularly in the new energy vehicle sector [7]
杭州银行副行长:一季度按揭贷款部分客群违约现象逐步增多,今年重点关注中小微企业信贷风险
news flash· 2025-04-16 10:43
Core Viewpoint - Hangzhou Bank's Vice President Pan Huafu indicated that the overall risk of housing mortgages and traditional offline consumer loans remains stable, while online loan risks have also been relatively stable in recent months. However, there has been an increasing trend in mortgage loan defaults among certain customer segments since the beginning of this year, which warrants attention. The bank's primary focus on risk areas includes credit risks related to small and micro enterprises, including personal business loans [1] Group 1 - The risk of housing mortgages and traditional offline consumer loans is overall stable [1] - Online loan risks have remained relatively stable in recent months [1] - An increasing trend in mortgage loan defaults among certain customer segments has been observed since the beginning of this year [1] Group 2 - The primary focus of Hangzhou Bank regarding risk is on credit risks related to small and micro enterprises [1] - Personal business loans are included in the areas of concern for credit risk [1]