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Ping An Bank
Ping An Bank (000001) investor relations material
Ping An Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Achieved significant improvement across key financial and operational metrics for the nine months ended September 2025, with double-digit growth in net profit and robust revenue expansion in some segments, while banking net profit declined 3.5% year-over-year to RMB 38.34 billion.
Continued execution of integrated finance, health, and senior care strategies, expanding customer base and enhancing cross-sell opportunities.
Maintained stable business operations, focusing on digital transformation, risk management, and support for the real economy.
Asset quality remained stable, with a non-performing loan (NPL) ratio of 1.05% and provision coverage at 229.60%.
Capital adequacy improved, with a capital adequacy ratio of 13.48% and core tier-one capital ratio of 9.52%.
Financial highlights
Revenue rose 7.4% year-over-year to RMB832.9 billion; shareholders' equity increased 6.2% year-to-date to RMB986.4 billion.
Operating profit after tax (OPAT) grew 7.2% year-over-year to RMB116.3 billion.
Net profit after tax (NPAT) increased 11.5% year-over-year to RMB132.9 billion, with a 45.4% surge in 3Q 2025; banking net profit was RMB38.3 billion, down 3.5% year-over-year.
Comprehensive investment yield (unannualized) improved by 1.0 percentage point to 5.4%.
Total assets at RMB 5.77 trillion as of September 30, 2025, nearly flat from year-end 2024.
Outlook and guidance
Ongoing focus on integrated finance, health, and senior care, with continued rollout of premium communities and home-based services.
Will continue to focus on digital transformation, risk management, and supporting key sectors such as technology, green finance, and inclusive finance.
Technology enablement remains a priority to enhance efficiency and risk management.
Plans to further optimize asset structure, enhance capital management, and maintain prudent risk controls.
Corporate real estate NPL drivers
Reasons for 47.7% drop in operating cash flow
Retail loan strategy: volume, price, risk balance
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Next Ping An Bank earnings date
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Ping An Bank
Next Ping An Bank earnings date
Q4 202521 Mar, 2026
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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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