证券代码：000001 证券简称：平安银行 优先股代码：140002 优先股简称：平银优 01 | | 特定对象调研 分析师会议 | | --- | --- | | | □媒体采访 业绩说明会 | | | □新闻发布会 路演活动 | | 投资者关系活动类别 | □现场参观 | | | 其他 （投行会议） | | 参与单位名称及人员姓名 | 境外投资者 | | 时间 | 2025 年 12 月 2 日 | | 地点 | 深圳 | | 形式 | 现场会议 | | | 介绍公司发展战略、经营业绩，回答投资者提问 | | | 1. 请问贵行前三季度整体表现情况？ | | | 2025年1-9月，我行营业收入1,006.68亿元，同比下降9.8%。实 | | | 现净利润383.39亿元，同比下降3.5%。2025年9月末，我行资产总额 | | | 57,667.64亿元，其中发放贷款和垫款本金总额34,177.53亿元，较 | | | 上年末增长1.3%；企业贷款余额较上年末增长5.1%，个人贷款余额 | | | 较上年末下降2.1%，抵押类贷款占个人贷款的比例为63.6%。2025年 | | | 9月末， ...

针对初创科技企业"短、频、急"的资金需求，该行创新采用"前置准入+智能审批"模式。先由科创金融 专业团队审核企业专利技术、研发团队、项目前景等科技资质，再由专职审批人开展专业化授信评定； 审批环节引入智能风控平台与分析决策系统，建立标准化业务流程，资料齐全企业最快可实现"当日完 成审批"，大幅压缩授信周期。 在业务模式创新方面，该行创设"选择权"业务，在为科创企业提供授信的同时，获得远期认股期权。今 年，该行在江苏股权交易中心成功登记托管首单认股权，完成全省农商行首单"贷款+认股权登记"业 务。同时持续拓展外部租赁、保理等渠道，客户类型由政府平台类企业向科创类企业转型，为客户提供 多元化综合金融服务。 架构支撑，夯实科创服务根基 针对种子轮、天使轮融资阶段企业，该行推出"创投贷"产品，以五维授信评价体系为核心，打破对传统 财务报表的依赖，通过深度产业研究挖掘企业价值，依据投资机构注资金额匹配相应比例授信，实 现"见投即贷"的精准支持。 同时，该行在现有"苏保贷"业务基础上，与保险公司合作推出专项科技企业信贷产品，适度降低担保责 任比重和企业保费，共同支持优质中小科技企业发展。截至6月末，该行服务科技型企业信贷 ...

Core Insights - Domestic commercial banks are facing multiple challenges, including narrowing net interest margins, asset quality pressure, and intensified homogeneous competition [1] Group 1: Industry Challenges - The deepening of interest rate marketization and accelerated financial disintermediation are weakening the growth momentum of traditional corporate banking [2] - The need for transformation in business models is urgent for joint-stock banks to find new growth curves [2] Group 2: Company Strategy - Ping An Bank is actively responding to industry challenges by restructuring its full-cycle service system for listed companies, transitioning from a traditional credit provider to a comprehensive financial service provider [2] - As of June, the number of new listed company clients increased by 6% year-to-date, with related deposit and loan balances both growing by 11% [2][4] Group 3: Organizational Innovation - Ping An Bank has established a cross-departmental coordination mechanism to break down barriers and create a collaborative system [5] - The number of corporate clients reached 909,100, a 6.5% increase from the previous year, with corporate loan balances at 1.68252 trillion yuan, up 4.7% [4] Group 4: Service Model Extension - The service model for listed companies has extended from core enterprises to their entire industrial chain and from mid-to-late stage enterprises to early-stage startups [7] - Ping An Bank has developed a comprehensive financial product matrix tailored to different stages of enterprise growth [8] Group 5: Comprehensive Service Ecosystem - The bank recognizes that listed companies require more than just loans, particularly new economy enterprises, which often face operational and payment settlement challenges [9] - In wealth management, Ping An Bank has designed financial products that meet the needs of over 2,200 listed companies, optimizing capital structure and providing employee equity incentive solutions [10] - The "Enterprise + Entrepreneur" dual service model integrates corporate finance with personal wealth management, creating a seamless service loop [10]

Core Insights - Zhuhai Rural Commercial Bank plays a crucial role in supporting the modernization of the industrial system and fostering new productive forces in Zhuhai through financial initiatives [1][15] - The bank has successfully issued the city's first 500 million yuan technology innovation financial bond, marking a significant step in its strategy to enhance local financial services [1][10] - The elevation of the technology branch signifies a comprehensive upgrade in technology financial services, aiming for high-quality development [3][15] Financial Innovations - The establishment of the technology branch in 2017 was a pioneering move, leading to a specialized approach in technology finance [2][3] - The bank has developed a comprehensive financial service network that connects government, venture capital, and technology parks, enhancing support for local tech enterprises [2][3] - The technology loan balance is projected to reach nearly 13 billion yuan by October 2025, with over a thousand tech enterprises served [3][7] Product Development - The bank has created a full lifecycle product system to address the unique financing needs of tech enterprises, which often face challenges such as high growth and asset-light structures [4][6] - Innovative products like "Chuangtou Loan" and "Kexintong" have been introduced to support startups, while "Tax Credit Loan" and "Intellectual Property Pledge Loans" cater to growing enterprises [6][7] - The online pre-approval product "Kairong E-loan" has facilitated quick financing for specialized and high-tech enterprises, with total credit amounting to nearly 700 million yuan [7][10] Bond Issuance - The issuance of the 500 million yuan technology innovation financial bond opens new funding channels for supporting local high-tech and specialized small and medium enterprises [8][10] - The bond's five-year term aligns with the long R&D cycles of tech companies, providing stable financial support for their development [10][15] Collaborative Efforts - The bank has actively engaged in digital government reforms, enhancing financial service efficiency through collaboration with government departments and investment funds [11][12] - Innovations in real estate registration have streamlined processes, significantly reducing the time required for mortgage registrations [14] - The bank's integration with local government initiatives has improved credit assessments and financing solutions for enterprises [14][15]

Core Viewpoint - SuNong Bank (603323) is focusing on regional development strategies and enhancing support for small and medium-sized enterprises (SMEs) through various financial initiatives and products [2][3]. Group 1: Business Strategy - SuNong Bank has adopted a "Three Advances" regional development strategy, which includes differentiated management for various regions: maintaining a leading position in Wujiang, expanding services in Suzhou, and enhancing retail transformation in Taizhou and other locations [2]. - The bank has completed the absorption and merger of Jiangsu Jingjiang Runfeng Village Bank, upgrading it to Suzhou Rural Commercial Bank Jingjiang Branch, achieving full financial coverage in the Taizhou area [2]. Group 2: Support for SMEs - The bank is assisting traditional industries in green transformation by collaborating with local governments to address "green barriers" in international trade, particularly in the textile sector [2]. - SuNong Bank has launched the "Accompanying Flight Plan" for technology enterprises, creating a financial product line that supports various tech companies in Suzhou [2]. - The bank is innovating a "Same Alliance" collaborative business model to provide precise services for small and micro enterprises, shifting from a traditional focus on core large enterprises [2]. Group 3: Financial Performance - For the first half of 2025, SuNong Bank reported a main revenue of 2.28 billion yuan, a year-on-year increase of 0.21%, and a net profit attributable to shareholders of 1.178 billion yuan, up 5.22% year-on-year [3]. - In Q2 2025, the bank's single-quarter main revenue was 1.149 billion yuan, a decrease of 2.64% year-on-year, while the net profit attributable to shareholders was 738 million yuan, an increase of 4.66% year-on-year [3]. - The bank's debt ratio stands at 91.68%, with investment income reported at 832 million yuan [3]. Group 4: Analyst Ratings - In the last 90 days, four institutions have rated the stock, with three buy ratings and one hold rating, and the average target price set at 6.41 yuan [4].

Core Viewpoint - The recent upgrade of Ping An Bank's ESG rating to AA by MSCI reflects the bank's significant improvements in areas such as consumer protection, green finance, and data security, highlighting its commitment to sustainable development and enhancing investor confidence [1][11]. Group 1: ESG Rating and Recognition - Ping An Bank achieved a three-level upgrade in its ESG rating from BB to AA within five years, as recognized by MSCI, a leading global financial index and ESG rating agency [1]. - The upgrade signifies international acknowledgment of Ping An Bank's ESG management and overall performance, reinforcing its sustainable development value in the capital market [1][11]. Group 2: Sustainable Development Strategy - The bank emphasizes sustainable development as a long-term strategy, ensuring the maximization of long-term value while addressing economic, social, and environmental sustainability [3]. - Ping An Bank is actively implementing the national "dual carbon" goals by developing a diversified green finance product system, including green loans and bonds, to support various sectors such as energy transition and ecological protection [4]. Group 3: Financial Inclusion and Support for SMEs - As of June 2025, the bank's inclusive finance initiatives resulted in a balance of loans for small and micro enterprises reaching 499.52 billion, with over 970,000 clients served [5]. - The bank has also invested 31.26 billion in rural revitalization efforts, demonstrating its commitment to supporting the agricultural sector and rural communities [5]. Group 4: Technology and Data Security - Under its technology finance strategy, Ping An Bank has developed a comprehensive operating system for technology finance, offering specialized products for tech enterprises, with a loan balance of 193.44 billion as of June 2025 [7]. - The bank prioritizes data security by enhancing its data management systems and ensuring 100% employee training coverage on information security [7]. Group 5: Pension Finance and Customer Experience - Ping An Bank has expanded its pension finance product offerings to 239 types, enhancing its service solutions for retirement planning [8]. - The bank's app has been upgraded to provide a one-stop service for personal pension management, integrating various services from the broader Ping An Group ecosystem [8]. Group 6: Corporate Governance and Transparency - The bank is committed to improving corporate governance and compliance, implementing measures such as anti-corruption and anti-money laundering policies [9]. - It adheres to high international standards for ESG information disclosure, enhancing transparency and investor confidence [9].

Core Viewpoint - Ping An Bank has achieved a significant upgrade in its ESG rating from MSCI, moving from BB to AA over five years, reflecting its strong performance in consumer protection, green finance, and data security [1][11]. ESG Rating and Recognition - MSCI, a leading financial index and ESG rating agency, recognized Ping An Bank's ESG management and overall performance, which is crucial for global investment data analysis and decision-making [1]. - The upgrade to AA rating signifies international acknowledgment of the bank's commitment to sustainable development [1][11]. Sustainable Development Strategy - Ping An Bank emphasizes sustainable development as a long-term strategy, ensuring the maximization of long-term value [3]. - The bank actively engages in financial services that support economic, social, and environmental sustainability [3]. Green Finance Initiatives - The bank is committed to the national carbon neutrality strategy, developing a diversified product system in green finance, including green loans and bonds [4]. - As of June 2025, the bank's green loan balance reached 251.746 billion yuan, and it provided 1.34 billion yuan in green supply chain services [4]. Inclusive Finance Efforts - Ping An Bank focuses on inclusive finance, supporting small and micro enterprises, with a loan balance of 499.524 billion yuan as of June 2025, and a year-on-year growth of 33.6% in new loans [5]. - The bank has also invested 31.259 billion yuan in rural revitalization efforts, with a cumulative investment of 183.506 billion yuan [5]. Technology and Data Security - The bank has developed a technology finance system, offering specialized products for tech enterprises, with a loan balance of 193.436 billion yuan as of June 2025 [7]. - It maintains a robust data security management system, achieving 100% employee training coverage on information security [7]. Pension Finance Development - Ping An Bank has diversified its pension finance product offerings, with 239 personal pension products available as of June 2025 [8]. - The bank enhances customer experience through its app, integrating various services related to health and insurance [8]. Corporate Governance and Transparency - The bank prioritizes corporate governance, enhancing compliance and ethical standards, and improving ESG information disclosure [9]. - It was recognized in the S&P Global Corporate Sustainability Assessment, being one of only two banks in mainland China to be included in the Sustainable Development Yearbook 2025 [9]. Future Outlook - The AA rating from MSCI is expected to bolster the bank's brand influence, investor confidence, and green finance business [11]. - Ping An Bank aims to continue its commitment to sustainable development, contributing to social, economic, and environmental progress [11].

同时,为提升基层服务能力,平安银行青岛分行积极推进科技金融特色支行建设,五家单位参评特色支行,三 家获总行科技特色团队认证。2025年上半年,该行在西海岸新区、胶州、崂山等多地举办银企对接活动, 累计服务小微企业超1500户,让科技金融服务触达更多市场主体。 记者 尚青龙 实习生 宋雨轩 青岛报道 作为服务地方经济的重要金融力量,平安银行（000001）青岛分行积极响应国家政策,聚焦金融"五篇大文 章",通过机制创新、产品迭代、服务升级,在科技金融、普惠金融等重点领域取得显著成效,为小微企 业、科技企业及涉农主体注入"金融活水",以精准高效的金融服务助力区域经济转型升级与高质量发 展。 科技金融领域,该行构建起多层次服务体系,为科创企业发展添劲赋能。 截至2025年6月末,该行科技贷款余额达10.13亿元,较年初增长2.42亿元,同比大幅增长240%。在政策落地 方面,深化名单制管理,精准支持科技创新与技术改造再贷款,已为3家名单内科技企业发放贷款1475.7万 元,筛选19个重点客户及26个项目推进落地。 产品创新上,推出"创投贷",精准服务PE及国有投资机构所投科创企业,并构建"4+1"产品体系,涵盖"科 ...

Core Viewpoint - Ping An Bank's Qingdao Branch is actively responding to national policies by focusing on financial innovation and service upgrades, significantly supporting local economic transformation and high-quality development through targeted financial services for small and micro enterprises, technology companies, and agricultural entities [2][5]. Group 1: Technology Finance - The bank has established a multi-level service system in the technology finance sector, with a technology loan balance reaching 1.013 billion yuan by June 2025, an increase of 240% year-on-year [2][3]. - The introduction of the "Chuangtou Loan" aims to serve PE and state-owned investment institutions' technology enterprises, creating a comprehensive product system that covers various financing needs [3]. - The bank has launched the "Science and Technology Loan" model, which utilizes big data risk control, allowing credit loans for small and micro technology enterprises up to 10 million yuan [3]. Group 2: Inclusive Finance - By June 2025, the loan balance for small and micro enterprises in Qingdao reached 12.13 billion yuan, with inclusive small micro loans totaling 10.443 billion yuan, serving 18,700 clients [4]. - The bank has implemented a long-term mechanism to optimize resource allocation and enhance service efficiency, including a special review team for inclusive finance [4]. - The establishment of a first-loan credit loan service center has increased credit loan issuance, with 1.67 billion yuan financed for 101 suppliers in the first half of 2025 [4]. Group 3: Agricultural Finance - The bank has actively provided agricultural loans, with a balance of 1.952 billion yuan by June 2025, supporting grain production and rural infrastructure [5]. - Collaborations with national agricultural leading enterprises have facilitated financing of 200 million yuan for 39 agricultural small and micro enterprises [5]. - The bank is committed to reducing financing burdens through interest rate discounts on agricultural loans [5].