Ping An Bank: Plans to distribute a total cash dividend of 11.566 billion yuan in 2025

Securities Times China Securities Journal News (Reporter Qi Jinzhao) On the evening of March 20, Ping An Bank announced its 2025 annual report. During the reporting period, influenced by changes in market interest rates and adjustments in business structure, Ping An Bank achieved operating income of 131.442 billion yuan, a year-on-year decrease of 10.4%. At the same time, the bank continued to promote cost reduction and efficiency improvement, enhance productivity, strengthen risk management, and realize a net profit attributable to shareholders of 42.633 billion yuan, down 4.2% year-on-year.

The cash dividend plan disclosed by Ping An Bank for the same period shows that the bank plans to distribute a cash dividend of 5.96 yuan (tax included) per 10 shares for the full year of 2025, totaling 11.566 billion yuan. Among them, the mid-year dividend for 2025 has been paid at 2.36 yuan (tax included) per 10 shares, totaling 4.58 billion yuan; the final dividend at the end of 2025 is planned at 3.60 yuan (tax included) per 10 shares, totaling 6.986 billion yuan.

The report shows that in 2025, Ping An Bank continued to optimize its asset structure and support the real economy. By the end of 2025, the bank’s total assets reached 59.25777 trillion yuan, an increase of 2.7% from the previous year; the total amount of loans and advances was 3.39084 trillion yuan, up 0.5% year-on-year; the balance of corporate loans increased by 3.5% compared to the end of the previous year, continuing to strengthen support for the real economy, with good growth in loans to technology companies, green finance, and other fields. The bank also continued to optimize its retail asset portfolio strategy, improve the proportion of high-quality customers, and promote a balance among “volume, price, and risk.”

During the reporting period, Ping An Bank maintained a stable deposit scale and significantly optimized its interest payment rate. As of the end of 2025, the bank’s total liabilities were 53.74593 trillion yuan, an increase of 1.9% from the previous year; the principal of deposits absorbed was 3.582755 trillion yuan, up 1.4%. The bank continued to strengthen the absorption of low-cost deposits and agilely adjusted the pace of deposit and interbank liability absorption to reduce overall liability costs. In 2025, the average interest-bearing liability rate was 1.67%, down 47 basis points from 2024; the average interest rate on absorbed deposits was 1.65%, down 42 basis points year-on-year. The daily average balance of demand deposits was 1.191978 trillion yuan, an increase of 5.8% compared to 2024.

During the reporting period, Ping An Bank strengthened comprehensive risk management, and asset quality remained generally stable. The bank actively responded to macroeconomic changes, enhanced risk control, and continued to optimize asset and customer structure. As of the end of 2025, the non-performing loan ratio was 1.05%, down 0.01 percentage points from the previous year; the provision coverage ratio was 220.88%, maintaining good risk mitigation capacity.

【Source: China Securities Journal · China Securities Network】