证券代码：000001 证券简称：平安银行 公告编号：2024-054 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"）第十二届董事会第三十三次会 议以书面传签方式召开。会议通知以书面方式于 2024 年 12 月 3 日向各董事发 出，表决截止时间为 2024 年 12 月 6 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《关于修订<平安银行股份有限公司消费者权益保护工作实 施纲要>的议案》。 本行董事会战略发展与消费者权益保护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。 本行董事会审计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 ...

Core Viewpoint - Ping An Bank's Shanghai branch is leveraging technology and inclusive finance to support small and micro enterprises, contributing to the local economy's stability and growth [1][6]. Group 1: Financial Support for Small Enterprises - As of October 2024, the balance of inclusive small micro loans under 10 million yuan reached 27.684 billion yuan, with nearly 14,000 small enterprise loan accounts [1]. - The bank is actively implementing a "thousand enterprises and ten thousand households" outreach initiative, aiming to visit 5,000 small micro clients and provide loans totaling 10 billion yuan by the end of the year [2][3]. Group 2: Service Improvement Initiatives - The bank is enhancing the quality of inclusive financial services by establishing a green approval channel and simplifying the loan application process, promising responses within three working days and loan confirmations within 15 working days [3]. - A new "4+1" product system has been introduced to meet the diverse financing needs of small enterprises, including standardized products like mortgage loans, guarantee loans, credit loans, and innovation loans [4]. Group 3: Future Plans and Strategic Goals - The Shanghai branch plans to continue leveraging group advantages to provide tailored financial services, including credit, wealth management, insurance, and settlement services, while increasing support for small and micro enterprises [5].

Executive Compensation for 2023 - The remaining pre-tax compensation for 2023 for Ji Guangheng, Director and President, is RMB 792,600[1] - The remaining pre-tax compensation for 2023 for Xiang Youzhi, Director, Vice President, and CFO, is RMB 1,962,800[1] - The remaining pre-tax compensation for 2023 for Yang Zhiqun, Director and Vice President, is RMB 2,699,500[1] - The remaining pre-tax compensation for 2023 for Sun Yongzhen, Employee Supervisor, is RMB 1,369,400[1] - The remaining pre-tax compensation for 2023 for Deng Hong, Employee Supervisor, is RMB 1,100,100[1] - The remaining pre-tax compensation for 2023 for Zhou Qiang, Board Secretary, is RMB 1,702,000[1] - The remaining pre-tax compensation for 2023 for Hu Yuefei, former Director and President, is RMB 2,468,700[1] - The remaining pre-tax compensation for 2023 for Guo Shibang, former Director and Vice President, is RMB 1,367,000[1] - The remaining pre-tax compensation for 2023 for Ju Weiping, former Vice President, is RMB 1,513,000[1] Performance-Based Compensation Policy - Performance-based compensation for senior management will be deferred and paid over the next 3 years[1]

Group 1: Financial Performance and Projections - The net interest margin is expected to face downward pressure due to market interest rate declines and insufficient effective credit demand, with a proactive adjustment of the asset-liability structure to mitigate this impact [1] - As of September 2023, the personal loan non-performing rate was 1.43%, an increase of 0.06 percentage points from the end of the previous year, reflecting a gradual recovery in repayment capacity among some personal clients [1] - The bank plans to distribute 10% to 35% of the distributable profits as cash dividends annually from 2024 to 2026 [1] Group 2: Loan Structure and New Business Areas - As of September 2023, the total personal loan balance was 1,787.35 billion CNY, a decrease of 9.6% from the end of the previous year, with credit card receivables down 12.5% [1] - New loans in three emerging industries amounted to 157.76 billion CNY from January to September 2023, representing a year-on-year growth of 47.3% [3] - Supply chain financing reached 1,132.11 billion CNY in the same period, a year-on-year increase of 22.8%, with 30,652 enterprises receiving bill financing services [3]

Group 1: Financial Performance - The average interest rate for deposits decreased to 2.13% in the first nine months of 2024, down by 7 basis points compared to the same period last year [1] - The non-performing loan (NPL) ratio stood at 1.06% as of September, with a provision coverage ratio of 251% [1] - The total amount of non-performing loans reached 3,125 billion CNY, an increase of 3.0% from the end of the previous year [1] Group 2: Retail and Wealth Management - Retail loan balance increased by 3.0% year-on-year, with mortgage loans at 3,125 billion CNY [1] - Credit card receivables decreased to 4,531 billion CNY, down 12.5% from the end of the previous year [1] - Wealth management assets under management (AUM) reached 19,502 billion CNY, with 1.42 million wealth clients, including 190,000 private banking clients, a growth of 3.8% year-on-year [2] Group 3: Future Outlook and Strategy - The bank plans to distribute 10% to 35% of the annual distributable profit as cash dividends from 2024 to 2026 [2] - Focus areas for corporate loans include industry finance, technology finance, supply chain finance, cross-border finance, and inclusive finance [2] - The bank aims to optimize its deposit structure and cost management to support sustainable growth [1]

特此公告。 平安银行股份有限公司董事会 2024 年 11 月 8 日 关于 2024 年无固定期限资本债券发行完毕的公告 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。 经相关监管机构批准，平安银行股份有限公司（以下简称"本行"）于近日 在全国银行间债券市场发行了总额为 200 亿元人民币的无固定期限资本债券（以 下简称"本期债券"）。 本期债券于 2024 年 11 月 5 日簿记建档，于 2024 年 11 月 7 日发行完毕。本 期债券发行规模为人民币 200 亿元，前 5 年票面利率为 2.45%，每 5 年调整一 次，在第 5 年及之后的每个付息日附发行人有条件赎回权。 本期债券募集资金将依据适用法律和监管部门的批准，用于补充本行其他一 级资本。 证券代码：000001 证券简称：平安银行 公告编号：2024-052 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 ...

证券代码：000001 证券简称：平安银行 公告编号：2024-051 优先股代码：140002 优先股简称：平银优 01 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"或"本行"）第十二届董事会第 三十二次会议审议通过了《关于与部分关联方关联交易的议案》，同意与平安养老保 险股份有限公司（以下简称"平安养老"）、平安不动产有限公司（以下简称"平安 不动产"）、中国平安财产保险股份有限公司（以下简称"平安产险"）、中国平安 人寿保险股份有限公司（以下简称"平安人寿"）、平安普惠融资担保有限公司（以 下简称"平安普惠"）进行协定存款业务合作；同意向壹账通金融科技有限公司（以 下简称"壹账通"）提供金融和物业租赁服务，并向壹账通购买产品及服务，签订《产 品及服务提供协议》《金融服务采购协议》《物业租赁协议》和《执行协议》；同意 委托深圳平安综合金融服务有限公司（以下简称"平安金服"）提供信用卡逾期账户 催收服务，以提升信用卡催收回收回退金额。 （三）审议表决情况 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 ...

证券代码：000001 证券简称：平安银行 公告编号：2024-050 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"）第十二届董事会第三十二次会 议以书面传签方式召开。会议通知以书面方式于 2024 年 10 月 28 日向各董事发 出，表决截止时间为 2024 年 10 月 31 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。 本议案同意票 9 票，反对票 0 票，弃权票 0 票。 董事长谢永林、董事郭晓涛、蔡方方和付欣回避表决。 具体内容请见本行于同日在巨潮资讯网（www.cninfo.com.cn）披露的《平安 银行股份有限公司关联交易公告》。 特此公告。 平安银行股份有限公司董事会 2024 年 11 月 2 日 本次会议审议通过了《 ...

Group 1 - The company has reached an agreement with Ping An Bank to add the Ping An Bank E-Tong platform as a sales channel for its fund starting from October 28, 2024 [1] - The new sales fund range includes the ability for investors to enjoy fee discounts when subscribing and investing through the Ping An Bank E-Tong platform [1][2] - The fund conversion service allows investors to directly convert their holdings in one fund to another managed by the same fund manager without redeeming first [1][2] Group 2 - Fund conversion can only occur within the same sales institution, and both funds must be managed by the same fund manager and registered with the same registrar [1][2] - The conversion process includes specific rules regarding the status of the funds, timing of transactions, and calculation of fees [2][3] - In cases of significant redemptions, the fund manager may prioritize fund conversions and can suspend conversion services under certain conditions [3][4] Group 3 - Investors are encouraged to read the fund contracts and prospectuses for detailed information about the funds [4] - The company provides customer service contact information for inquiries regarding fund products [4]

Investment Rating - The investment rating for Ping An Bank is "Buy" with a target price of 14.50 CNY, indicating a potential upside of 23% from the current price of 11.81 CNY [1][3]. Core Insights - Ping An Bank demonstrated resilient profitability with a year-on-year net profit growth of 0.24% in Q3 2024, supported by a release of provisions amounting to approximately 11.4 billion CNY [2][7]. - The bank's asset quality improved, with a non-performing loan (NPL) ratio of 1.06%, a slight decrease from the previous half [2][16]. - The bank's net interest income decreased by 20.60% year-on-year due to the impact of central bank policies, while non-interest income increased by 7.63% [2][10]. Financial Performance Summary - As of Q3 2024, Ping An Bank reported total revenue of approximately 1115.82 billion CNY, with net interest income of 725.36 billion CNY and non-interest income of 390.46 billion CNY [2][7]. - The bank's net interest margin (NIM) was 1.93%, reflecting a narrowing trend but with a slower decline compared to previous periods [9][19]. - The bank's total interest-bearing assets reached 60,787 billion CNY, showing a 0.8% increase from the previous half [13][19]. Asset Quality - The NPL ratio improved to 1.06%, down 0.01 percentage points from the previous half, with a provision coverage ratio of 251.2% [2][16]. - The bank's NPL generation rate was 1.24% on a quarterly annualized basis, indicating a slight increase compared to the previous year [16][19]. Profitability Forecast - The forecasted net profit growth for Ping An Bank from 2024 to 2026 is projected at 2.72%, 2.18%, and 3.46% respectively, with corresponding book value per share (BPS) estimates of 23.32 CNY, 25.05 CNY, and 26.65 CNY [3][19].