Group 1 - The total balance of household loans in both domestic and foreign currencies reached 84.01 trillion yuan at the end of Q2 2025, reflecting a year-on-year growth of 3% [1] - In the first half of the year, the household loan balance increased by 1.17 trillion yuan [1] - The balance of operational loans amounted to 25.09 trillion yuan, showing a year-on-year increase of 5.4%, with an increase of 923.8 billion yuan in the first half of the year [1] Group 2 - The balance of consumption loans, excluding personal housing loans, reached 21.18 trillion yuan, with a year-on-year growth of 6% and an increase of 195 billion yuan in the first half of the year [1]

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]

延续去年业绩表现，从一季报中也能明显看出平安银行调整资产结构的迹象，表现为对公驱动资产扩 张，零售改革进入深水区等特点。 近年来，该行正开展零售改革，重点推动零售业务从高风险、高成本、高收益向中风险、中收益转型， 逐步实现零售客群质量、资产质量、资产结构三方面提升。 今年一季度该行零售贷款规模持续收缩。截至3月末，该行个人贷款余额为17290.46亿元，较上年末下 降2.2%，其中抵押类贷款占个人贷款的比例为64.7%。 但在资产结构调整的背景下，该行高风险贷款有所下降。在上述个人贷款中，信用卡应收账款余额 4006.38亿元，较上年末下降7.9%；消费性贷款余额4593.15亿元，较上年末下降3.2%；经营性贷款余额 5296.59亿元，较上年末下降0.3%。 此外，该行优质零售客户占比正持续增长。截至一季度末，该行住房按揭贷款余额为3394.34亿元，较 上年末增长4.1%；截至2025年3月末，该行汽车金融贷款余额2927.51亿元，一季度个人新能源汽车贷款 新发放145.12亿元，同比增长61.4%。 21世纪经济报道记者曹媛深圳报道 4月18日，平安银行（000001.SZ）公布2025年一季度业绩 ...

Retail Strategy and Performance - The bank maintains a steadfast retail strategy, focusing on customer-centric approaches to drive high-quality and sustainable development in retail business [1] - As of the end of 2024, personal loan balance reached CNY 17,671.68 billion, with a significant reduction in high-risk loans and an increase in the proportion of mortgage loans by 4.0 percentage points to 62.8% [3] - The bank's net interest margin for 2024 was 1.87%, a decrease of 51 basis points year-on-year, primarily due to market interest rate declines and proactive reduction of high-risk retail assets [1] Corporate Business Overview - By the end of 2024, corporate loan balance was CNY 16,069 billion, reflecting a growth of 12.4% year-on-year, while corporate deposit balance was CNY 22,465 billion, up 2.1% [2] - The bank aims to enhance support for key sectors such as advanced manufacturing, green finance, and rural revitalization through focused financing efforts [2] Financial Performance - In 2024, the bank reported operating income of CNY 1,466.95 billion, a decline of 10.9% year-on-year, with net profit at CNY 445.08 billion, down 4.2% [4] - The bank's management expenses decreased by 11.7% to CNY 405.82 billion, while credit and other asset impairment losses fell by 16.4% to CNY 494.28 billion [4] Asset Quality and Risk Management - The personal loan non-performing loan (NPL) ratio decreased by 0.04 percentage points by the end of 2024, with specific NPL ratios for housing loans at 0.47%, credit card loans at 2.56%, and consumption loans at 1.35% [5] - The bank emphasizes differentiated risk management policies and proactive asset structure adjustments to enhance asset quality and support sustainable retail business development [5] Real Estate Loan Management - The bank's corporate real estate loan NPL ratio was 1.79% at the end of 2024, an increase of 0.93 percentage points year-on-year, primarily due to external environmental pressures [6] - Continuous monitoring and management of real estate loans are prioritized to mitigate risks associated with project financing [6] Dividend Policy - The bank plans to distribute cash dividends of CNY 6.08 per 10 shares for the year 2024, totaling CNY 117.99 billion, which represents 28.32% of the net profit attributable to ordinary shareholders [7] - The bank aims to enhance the stability and predictability of dividends while ensuring compliance with capital adequacy requirements [7]