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Winner, Winner: The Chicken McNugget Story
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Ping An Bank
Ping An Bank (000001) investor relations material
Ping An Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary23 Oct, 2026
Executive summary
9M 2026 revenue reached RMB 103,100m, up 2.4% YoY; net profit was RMB 39,186m, up 2.2% YoY. Q3 revenue rose 3.8% to RMB 32,483m, while net profit increased 0.2% to RMB 13,490m.
Business remained steady, with loan growth concentrated in corporate lending and deposits up 3.1% from year-end; non-interest income grew faster than net interest income.
9M operating cash flow was RMB 283,221m, up 294.6% YoY.
Financial highlights
9M net interest income was RMB 66,755m, up 0.3% YoY; non-interest income rose 6.5%, reaching 35.25% of revenue, supported by wealth management and bond investment.
Adjusted net profit, excluding non-recurring items, was RMB 39,124m, up 2.2% YoY; 9M basic and diluted EPS were RMB 1.94, up 3.7%.
Total assets were RMB 5,952,354m at September-end, up 0.4% from year-end; loans rose 1.2% to RMB 3,431,480m and deposits rose 3.1% to RMB 3,692,327m.
9M net interest margin was 1.80%, up 1 bp YoY; cost-to-income ratio was 27.01%, down 0.46 percentage points YoY.
Outlook and guidance
Priorities include supporting consumption, manufacturing and the real economy; optimizing retail asset mix, expanding quality customer lending and maintaining disciplined risk controls.
For property lending, planned focus is on selected cities and projects, including housing development, affordable and rental housing, existing-home acquisition for affordable housing, and urban renewal.
Continued AI and digital transformation is intended to improve operating efficiency, customer service and risk management; no numeric earnings guidance was stated.
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Latest events from Ping An Bank
- L&H NBV rebounded as investment and asset-management pressures weighed on earnings.000001
H2 2023 - Net profit surged 36.1% YoY to RMB92.6 bn, with strong growth and stable asset quality.000001H1 2026
- Operating profit up 7.6% YoY, revenue up 4.7%, net profit up 3.0%, NPL ratio at 1.05%.000001Q1 2026
- Double-digit earnings growth and improved asset quality set the stage for 2026 recovery.000001H2 2025
- Double-digit profit growth in core segments, but banking net profit declined 3.5%.000001Q3 2025
- Mixed 1H25 results: growth in key segments, improved asset quality, but lower net profit.000001H1 2025
- OPAT up 5.5% YoY, net profit up 36.1% YoY, with strong asset quality and digital advances.000001Q3 2024
- Net profit grew 1.9% to RMB 25.88 billion as asset quality held firm and interim dividends were approved.000001H1 2024
- Net profit rose 47.8% year-over-year to RMB126.6 billion, led by Life & Health and P&C growth.000001H2 2024
Next Ping An Bank earnings date
H2 202619 Mar, 2027
Ping An Bank
Next Ping An Bank earnings date
H2 202619 Mar, 2027
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Frequently asked questions
Ping An Bank Co., Ltd. is a China-based commercial bank offering a wide range of financial products and services to individual, corporate, and institutional clients. The bank’s services include retail banking, corporate banking, wealth management, credit card services, and investment banking. It also provides digital banking solutions to enhance customer experience and operational efficiency. The company is headquartered in Shenzhen, China, and its shares are listed on the Shenzhen Stock Exchange.