Ping An Bank: Net Profit Expected to Decrease by 4.2% Year-over-Year in 2025

MetaMuskRat · 2026-03-23T00:33:25+00:00

Ping An Bank's 2025 annual report shows that operating income was 1314.42 billion yuan, down 10.4% year-over-year; net profit was 426.33 billion yuan, down 4.2% year-over-year. Earnings per share were 2.07 yuan, with a proposed cash dividend of 5.96 yuan for every 10 shares. Due to the decline in loan interest rates and adjustments in the business structure, net interest margin decreased, and non-interest net income also declined due to market fluctuations.

MetaMuskRat

2026-03-23 00:33:25

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Ping An Bank (000001) released its 2025 annual report on March 20. The company achieved operating revenue of 131.442 billion yuan, a year-on-year decrease of 10.4%; net profit attributable to shareholders of the listed company was 42.633 billion yuan, a decrease of 4.2% year-on-year. Basic earnings per share were 2.07 yuan. The full year of 2025 will distribute a cash dividend of 5.96 yuan per 10 shares (tax included), of which: the mid-year dividend of 2.36 yuan per 10 shares (tax included) has already been paid; the year-end dividend is planned to be 3.6 yuan per 10 shares (tax included), with no bonus shares or capital reserve conversion to increase share capital. During the reporting period, on one hand, influenced by factors such as declining loan interest rates and business structure adjustments, net interest margin was 1.78%, down 9 basis points from 2024; on the other hand, mainly affected by market fluctuations, non-interest income from bond investments and other businesses declined.

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