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Ping An Bank (000001) investor relations material

Ping An Bank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary23 Aug, 2025

Executive summary

  • Achieved steady growth in revenue, operating profit, and shareholders' equity in 1H25, with strong execution of integrated finance and health/senior care strategies.

  • Revenue for H1 2025 was RMB 69.39 billion, down 10.0% year-over-year, mainly due to lower market interest rates and loan structure adjustments.

  • Net profit attributable to shareholders was RMB 24.87 billion, a 3.9% decrease year-over-year, with the decline narrowing compared to Q1.

  • Enhanced customer engagement and retention, with 247 million retail customers and high contract persistency.

  • Total assets reached RMB 5.87 trillion, up 1.8% from the end of 2024; loans and advances totaled RMB 3.41 trillion, up 1.0%.

Financial highlights

  • Revenue rose 1.0% YoY to RMB500.1 bn; OPAT increased 3.7% YoY to RMB77.7 bn.

  • Net interest income was RMB 44.51 billion, down 9.3% YoY; net interest margin was 1.80%, down 16 bps.

  • Life & Health NBV surged 39.8% YoY to RMB22.3 bn; comprehensive investment yield was 3.1%, up 0.3 pps YoY.

  • P&C COR improved by 2.6 pps YoY to 95.2%.

  • Interim dividend per share grew 2.2% YoY to RMB0.95; interim dividend of RMB 2.36 per 10 shares (pre-tax), totaling RMB 4.58 billion.

Outlook and guidance

  • Emphasis on resilience and innovation, with ongoing channel diversification and expansion in health and senior care services.

  • Management expects continued macroeconomic recovery and stable growth in H2 2025, with ongoing focus on risk control, digital transformation, and support for the real economy.

  • Net interest margin is expected to remain under pressure but the decline may moderate.

  • Continued dividend growth and dynamic capital planning to support expansion and shareholder returns.

  • The bank will continue to optimize asset-liability structure, strengthen risk management, and promote high-quality development.

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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.

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