（三）审议表决情况 平安银行股份有限公司关联交易公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈 述或重大遗漏。 一、关联交易概述 （一）本次关联交易基本情况 平安银行股份有限公司（以下简称"平安银行"、"本行"）第十二届董事会第 三十五次会议审议通过了《关于与平安国际融资租赁有限公司关联交易的议案》，同 意给予平安国际融资租赁有限公司（以下简称"平安租赁"）原额续作综合授信额度 等值人民币65亿元，额度期限1年。 （二）与上市公司的关联关系 本行和平安租赁同为中国平安保险（集团）股份有限公司直接或间接控股的子公 司。根据《银行保险机构关联交易管理办法》《深圳证券交易所股票上市规则》等相 关规定，平安租赁构成本行关联方，本行与平安租赁之间的交易构成关联交易。 证券代码：000001 证券简称：平安银行 公告编号：2025-005 优先股代码：140002 优先股简称：平银优 01 本行2024年三季度末资本净额为人民币5,751.06亿元，最近一期经审计净资产为 人民币4,723.28亿元。本次关联交易金额为人民币65亿元，占本行资本净额1.13%，占 本行净资产1.38 ...

一、关联交易概述 （一）本次关联交易基本情况 证券代码：000001 证券简称：平安银行 公告编号：2025-003 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司关联交易公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈 述或重大遗漏。 平安银行股份有限公司（以下简称"平安银行"、"本行"）第十二届董事会第 三十五次会议审议通过了《关于与陆金所控股有限公司关联交易的议案》，同意与陆 金所控股有限公司（以下简称"陆金所"）进行离岸人民币定期存款业务和离岸协定 存款业务合作，其中：离岸人民币定期存款业务本金金额合计不超过人民币45亿元， 利息合计不超过人民币0.29亿元；离岸协定存款业务本金金额不超过等值人民币21.84 亿元，利息不超过人民币0.18亿元。 （二）与上市公司的关联关系 本行和陆金所同为中国平安保险（集团）股份有限公司直接或间接控股的子公司。 根据《银行保险机构关联交易管理办法》《深圳证券交易所股票上市规则》等相关规 定，陆金所构成本行关联方，本行与陆金所之间的交易构成关联交易。 （三）审议表决情况 本行2024年三季度末资本净额为人 ...

一、关联交易概述 证券代码：000001 证券简称：平安银行 公告编号：2025-002 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司关联交易公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导性陈 述或重大遗漏。 （二）与上市公司的关联关系 本行和平安证券同为中国平安保险（集团）股份有限公司（以下简称"中国平安"） 直接或间接控股的子公司。根据《银行保险机构关联交易管理办法》《深圳证券交易 所股票上市规则》等相关规定，平安证券构成本行关联方，本行与平安证券之间的交 易构成关联交易。 （三）审议表决情况 本行2024年三季度末资本净额为人民币5,751.06亿元，最近一期经审计净资产为 人民币4,723.28亿元。本次关联交易金额为人民币45亿元，占本行资本净额0.78%，占 本行净资产0.95%。根据相关监管规定及本行关联交易管理办法，上述业务需经董事 会独立董事专门会议、董事会关联交易控制委员会审议通过后，提交董事会批准，并 对外披露。 本行第十二届董事会第三十五次会议审议通过了《关于与平安证券股份有限公司 关联交易的议案》，董事长谢永林、董事郭晓 ...

证券代码：000001 证券简称：平安银行 公告编号：2025-001 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司董事会决议公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导 性陈述或重大遗漏。 平安银行股份有限公司（以下简称"本行"）第十二届董事会第三十五次会 议以书面传签方式召开。会议通知以书面方式于 2025 年 2 月 18 日向各董事发 出，表决截止时间为 2025 年 2 月 21 日。本次会议的召开符合有关法律、法规、 规章和本行章程的规定。会议应到董事 13 人（包括独立董事 5 人），董事长谢 永林，董事冀光恒、郭晓涛、蔡方方、付欣、郭建、项有志、杨志群、杨军、艾 春荣、吴志攀、刘峰和潘敏共 13 人参加了会议。 本次会议审议通过了如下议案： 一、审议通过了《平安银行零售风险模型管理办法》。 本行董事会风险管理委员会已审议通过本议案。 本议案同意票 13 票，反对票 0 票，弃权票 0 票。 二、审议通过了《关于与平安证券股份有限公司关联交易的议案》。 本行董事会独立董事专门会议和关联交易控制委员会已审议通过本议案，全 体独立董事 ...

Group 1: Asset Quality and Loan Performance - As of September 2024, the personal loan non-performing rate is 1.43%, an increase of 0.06 percentage points from the end of the previous year [1] - The non-performing rates for various loan types are as follows: - Mortgage loans: 0.60%, up 0.30 percentage points - Credit card loans: 2.64%, down 0.13 percentage points - Consumer loans: 1.26%, up 0.03 percentage points - Business loans: 1.04%, up 0.21 percentage points [1] Group 2: Credit Card Business Insights - The credit card receivables balance is 453.088 billion yuan, a decrease of 11.9% from the end of the previous year, with a non-performing rate of 2.64%, down 0.13 percentage points [1] - The bank aims to optimize the consumption and asset structure of credit card business for sustainable development [1] Group 3: Mortgage Loan Situation - The mortgage loan balance is 312.537 billion yuan, an increase of 3.0% from the end of the previous year, with a non-performing rate of 0.60%, up 0.30 percentage points [1] Group 4: Support for Small and Micro Enterprises - As of September 2024, the number of small and micro enterprises with loans of 1 million yuan or less is 843,100, with a total loan balance of 506.3 billion yuan [2] - Cumulative issuance of loans to small and micro enterprises reached 160.2 billion yuan in the first three quarters of 2024, with non-performing rates maintained within a reasonable range [2]

Investment Rating - The report gives a "Buy" rating for Ping An Bank, indicating that the current pessimistic expectations have been fully digested and the darkest period for the fundamentals has passed [12]. Core Viewpoints - The new president, Ji Guangheng, has extensive experience and strong coordination capabilities with Ping An Group, which is expected to enhance the bank's operational efficiency [2][3]. - The retail business structure is undergoing adjustments, but the core strategy remains focused on retail banking, with a temporary shift towards corporate banking to fill the gap during the transition [4][29]. - The report anticipates that by the end of 2024, high-risk retail assets will be largely cleared, leading to a reduction in pressure from non-performing loans and a gradual recovery in performance [10][57]. Summary by Sections 1. Management and Organizational Structure - The core management team has been established, and organizational restructuring is in place to enhance the bank's adaptability to the operating environment [1][3]. - The number of departments has been reduced from 43 to 32, improving service capabilities at the headquarters [3][18]. - Branch managers now have full responsibility for business operations, allowing for greater autonomy and resource allocation to key branches [3][19]. 2. Retail Business Structure Adjustment - The bank is optimizing its retail credit structure and temporarily supplementing corporate business to mitigate risks associated with high-risk retail loans [4][23]. - The strategy remains retail-focused, leveraging a large existing customer base while addressing the need for stability during the transition [4][29]. 3. Performance Challenges - As of September 2024, the loan balance has decreased by approximately 24.2 billion yuan, primarily due to the reduction of high-risk retail loans [5][34]. - The net interest margin has significantly declined, with a year-on-year drop of 37 basis points in 2023 and 59 basis points in the first half of 2024, exceeding the average decline among listed banks [9][42]. - The bank's revenue growth rate for the first three quarters of 2024 was -12.6%, placing it at the bottom among listed banks [46]. 4. Risk Mitigation and Future Outlook - The report suggests that the pressure from retail non-performing loans will ease as high-risk assets are cleared, with expectations for a gradual recovery in earnings from 2024 to 2026 [10][59]. - The bank's ability to adapt to cyclical changes is highlighted, with potential positive catalysts from improvements in real estate and consumer sectors [12][60].

证券代码：000001 证券简称：平安银行 公告编号：2024-055 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司董事会决议公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导 性陈述或重大遗漏。 平安银行股份有限公司（以下简称"本行"）第十二届董事会第三十四次会 议通知以书面方式于 2024 年 12 月 22 日向各董事发出。会议于 2024 年 12 月 26 日在本行召开。本次会议的召开符合有关法律、法规、规章和本行公司章程的规 定。会议应到董事 13 人（包括独立董事 5 人），董事长谢永林，董事冀光恒、 郭晓涛、蔡方方、付欣、郭建、项有志、杨志群、杨军、艾春荣、吴志攀、刘峰 和潘敏共 13 人到现场或通过视频、电话等方式参加了会议。 本行第十一届监事会监事长叶望春，监事车国宝、王春汉、韩小京、孙永桢 和邓红到现场或通过电话列席了会议。 会议由本行董事长谢永林主持。会议审议通过了如下议案： 本议案同意票 13 票，反对票 0 票，弃权票 0 票。 三、审议通过了《平安银行股份有限公司 2024 年组织绩效考核互联网贷款 指标考评指引》。 本 ...

Market Overview - The Shanghai Composite Index rose by 0.59% on December 10, with 23 out of the 28 sectors in the Shenwan classification experiencing gains, led by retail and beauty sectors with increases of 2.54% and 2.25% respectively [1] - The banking sector also saw an increase of 1.13% [1] - The sectors that faced declines included utilities and oil & petrochemicals, which fell by 0.74% and 0.47% respectively [1] Capital Flow Analysis - The main capital flow showed a net outflow of 33.974 billion yuan across the two markets, with only four sectors experiencing net inflows [1] - The food and beverage sector had the highest net inflow, totaling 2.14% in growth and 2.364 billion yuan in net inflow [1] - The retail sector followed with a growth of 2.54% and a net inflow of 1.652 billion yuan [1] Banking Sector Details - The banking sector recorded a net inflow of 450 million yuan, with 33 out of 42 listed banks seeing an increase in their stock prices [2] - Among the banks, Ping An Bank led with a net inflow of 211 million yuan, followed by China Merchants Bank and Jiangsu Bank with inflows of 137 million yuan and 115 million yuan respectively [2] - Conversely, six banks experienced net outflows exceeding 30 million yuan, with Industrial Bank, Chongqing Rural Commercial Bank, and Xiamen Bank leading in outflows of 177 million yuan, 46.6338 million yuan, and 45.2926 million yuan respectively [2]

Group 1: Loan Quality and Risk Management - As of September 2023, the corporate loan non-performing ratio is 0.66%, an increase of 0.03 percentage points from the end of the previous year, indicating stable asset quality management [1] - The retail loan non-performing ratio is 1.43%, up 0.06 percentage points from the end of the previous year, reflecting a gradual recovery in repayment ability among some personal customers [1] - The bank continues to enhance its risk management policies and monitoring systems to maintain overall asset quality stability [1] Group 2: Capital Adequacy and Dividend Outlook - As of September 2023, the core Tier 1 capital adequacy ratio is 9.33%, meeting regulatory requirements [1] - The bank plans to distribute 10% to 35% of its distributable profits in cash to shareholders from 2024 to 2026 [1] Group 3: Business Development and Product Offerings - The bank's digital financial platform signed 1,622 corporate clients by the end of September 2023, a growth of 68.6% year-on-year [4] - Supply chain financing amounted to 11,321.06 billion yuan in the first nine months of 2023, a year-on-year increase of 22.8% [4] - The bank provided bill financing services to 30,652 corporate clients, with bill discount financing clients numbering 21,627, and direct discount business volume reaching 9,588.46 billion yuan, up 46.1% year-on-year [4] Group 4: Focus Areas for Corporate Lending - From January to September 2023, new loans issued to four major infrastructure sectors totaled 3,176.03 billion yuan, a year-on-year increase of 38.0% [4] - New loans issued to emerging industries reached 1,577.58 billion yuan during the same period, reflecting a growth of 47.3% [4]

Group 1: Asset Quality and Risk Management - As of September 2024, the non-performing loan (NPL) ratio is 1.06%, unchanged from the end of the previous year, with a provision coverage ratio indicating good risk absorption capacity [2] - The bank wrote off loans totaling 47.7 billion yuan, recovering a total of 22.885 billion yuan in non-performing assets, of which 82.0% was recovered in cash [2] - The bank will continue to strengthen control measures and maintain a good risk absorption level in response to macroeconomic changes [2] Group 2: Retail Deposits and Growth - As of September 2024, the personal deposit balance reached 1,270.968 billion yuan, a year-on-year increase of 5.2% [2] - The bank's bulk business contributed to a customer deposit balance of 340.374 billion yuan, growing by 13.8% compared to the end of the previous year [2] - Daily average personal deposit balance for the month was 1,255.252 billion yuan, an increase from the same period last year [2] Group 3: Retail Loans and Strategic Focus - The bank is adjusting its loan structure to focus on mid-to-low risk customer segments, enhancing localized operations [4] - The bank aims to improve its product system and promote mid-risk, mid-return products to create new growth momentum [4] - The strategy includes optimizing loan processes and providing tailored services to meet diverse financial needs [4] Group 4: Credit Card Business Development - As of September 2024, the number of credit card accounts reached 50.5501 million, with total consumption amounting to 1,760.913 billion yuan, and online consumption share increased by 5.5 percentage points year-on-year [4] - The bank is enhancing its credit card offerings and customer engagement through various promotional activities and product enhancements [4] Group 5: Financial Performance and Outlook - The bank's net interest margin is under pressure due to market interest rate declines and insufficient effective credit demand [4] - The bank plans to actively adjust its asset-liability structure and improve pricing management to alleviate net interest margin pressure [4] - The profit distribution plan for 2024-2026 indicates a cash distribution of 10% to 35% of the distributable profit for each year [4]