平安口袋银行APP

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平安银行零售金融业务进一步承压 净利润占比降至4%
Jing Ji Guan Cha Bao· 2025-08-24 03:56
(原标题:平安银行零售金融业务进一步承压 净利润占比降至4%) 8月22日,平安银行(000001.sz)交出了一份承压的半年度业绩报告。2025年上半年,平安银行实现营 业收入693.85亿元,同比下降10.0%;实现归属于本行股东的净利润248.70亿元,同比下滑3.9%。净息 差收窄至1.80%,较去年同期下降16个基点。与此同时,资产质量保持稳定,不良贷款率较上年末微降 0.01个百分点至1.05%,拨备覆盖率维持在238.48%的稳健水平。 在这份整体表现平淡的财报中,尤为引人关注的莫过于其战略核心——零售金融业务的表现。该业务板 块营业收入为310.81亿元,在集团总营收中占比降至44.8%。更关键的是,其贡献的净利润仅为10.02亿 元,在集团总净利润中的占比从去年同期的7.0%大幅下滑至惊人的4.0%。 这一数据深刻揭示了平安银行零售转型正面临的严峻挑战。在净息差收窄、风险成本高企的双重压力 下,零售业务虽然通过主动调整资产结构控制了风险,但其盈利能力和对集团的利润贡献度正经历前所 未有的考验。零售业务的深度调整,已成为观察平安银行本轮战略转型成效的关键窗口。 收入利润贡献率骤降 零售业务步入 ...
平安银行2025上半年实现营业收入693.85亿元
Zheng Quan Ri Bao· 2025-08-22 14:05
报告期内,平安口袋银行APP注册用户数17759.86万户,较上年末增长2.0%,其中,月活跃用户数 (MAU)3874.50万户。上半年,综合金融贡献的财富客户净增户数占比57.3%、新获客AUM占比 50.8%。 平安银行方面表示,上半年部分重要业绩指标已经呈现出积极的趋势。下半年,将在改革转型中对 业务精雕细琢,持续深化战略转型,不断提升专业能力,努力在全年实现业绩筑底企稳,保持向好趋 势,为业绩进一步改善打好基础,持续提升金融服务实体经济的能力,持续强化风险防控,努力实现金 融高质量发展。 同时,平安银行资本充足率提升,中期分红水平保持稳定。截至2025年6月末,该行核心一级资本 充足率、一级资本充足率及资本充足率分别为9.31%、10.85%、13.26%,较上年末分别上升0.19、 0.16、0.15个百分点;平安银行树牢回报投资者理念,继续实施中期分红,以2025年6月30日的总股本为 基数,每10股派发现金股利人民币2.36元(含税),合计派发现金股利人民币45.80亿元。 (编辑 张昕) 贷款业务方面,截至2025年6月末,该行个人贷款余额17259.78亿元,较上年末下降2.3%,其中抵 ...
平安银行2025年中报:夯实可持续发展基础,整体经营保持稳健
中国基金报· 2025-08-22 12:14
Core Viewpoint - Ping An Bank's 2025 mid-year performance report highlights a steady business operation, emphasizing the importance of digital transformation, risk management, and strategic reforms to enhance retail, corporate, and interbank business segments [1][2]. Retail Business - The bank maintains a strong retail strategy, focusing on optimizing loan structures and enhancing product offerings to improve customer experience and market competitiveness. As of June, personal loan balance was CNY 17,259.78 billion, down 2.3% from the end of last year, with a non-performing loan ratio of 1.27%, a decrease of 0.12 percentage points [3][4]. - Personal deposits reached CNY 13,273.38 billion, up 3.1% year-on-year, with average interest rates declining by 37 basis points to 1.92%. Wealth management fee income grew by 12.8% to CNY 24.66 billion [4][6]. Digital and Comprehensive Financial Platforms - The bank continues to enhance its digital and comprehensive financial platforms, with registered users of the Ping An Pocket Bank APP reaching 177.60 million, a 2.0% increase. The contribution of comprehensive finance to new wealth clients was 57.3% [5][6]. Corporate Business - Ping An Bank focuses on refining its corporate business by supporting key sectors such as advanced manufacturing and green finance. As of June, corporate deposits were CNY 23,671.33 billion, up 5.4%, while corporate loans increased by 4.7% to CNY 16,825.20 billion [7][8]. - The bank has established a tiered customer management system, resulting in a 6.5% increase in corporate clients to 909,100, with strategic client loans growing by 15.8% [8]. Interbank Business - The bank's interbank business adapts to market changes, enhancing investment trading capabilities and customer services. As of June, the number of value clients reached 1,328, with bond sales increasing by 79.0% to CNY 169.36 billion [9]. Sustainable Development and Social Responsibility - Ping An Bank actively promotes green finance, with green loan balances reaching CNY 251.75 billion, a 6.0% increase. The bank also supports rural revitalization, with CNY 312.59 billion allocated to related initiatives [11][12]. Financial Performance - For the first half of 2025, the bank reported operating income of CNY 693.85 billion, a 10.0% decline, while net profit was CNY 248.70 billion, down 3.9%. The capital adequacy ratios improved, with the core tier one capital ratio at 9.31% [6][12].