持续调整结构，宣布中期分红 2024 年 08 月 16 日 事件：8 月 15 日，平安银行发布 24H1 财报。24H1 实现营收 771.3 亿元，YoY -13.0%；归母净利润 258.8 亿元，YoY+1.9%；不良率 1.07%，拨备覆盖率 264%。 ➢ 营收降幅边际收敛，归母净利润小幅正增。24H1 平安银行营收、归母净利 润同比增速较 24Q1 分别+1.1pct、-0.3pct。拆分来看，1）资产结构调整背景 下，贷款量价仍同时承压，24H1 净利息收入同比-21.6%；2）24H1 中收同比20.6%，银保渠道报行合一、权益类基金销量下滑等影响下，财富管理业务收入 仍存压力；3）债市行情推动之下，投资收益和公允价值变动收益增速较高，推 动其他非息收入同比+56.7%，为营收带来较大的正向贡献；4）转型背景下，信 用成本明显节约，24H1 信用减值损失同比-28.4%，支撑归母净利润保持正增长。 ➢ 调整结构进行时，零售信贷扩张速度放缓。资产业务结构的调整，短期内会 体现在信贷增速下行上，平安银行 24H1 末贷款总额同比-0.7%。结构上来看， 上半年贷款增量全部由对公端贡献，24H1 ...

Investment Rating - The investment rating for Ping An Bank is maintained at "Buy - A" with a target price of 13 CNY, reflecting a pessimistic expectation in the current valuation [3][8]. Core Insights - Ping An Bank's revenue growth rate for 2024 is projected at -11.27%, with profit growth expected to be minimal at 0.06%. The bank is currently undergoing a restructuring of its balance sheet, which is impacting revenue growth [8][9]. - The bank's net interest margin (NIM) is under pressure, with a second-quarter NIM of 1.91%, down 10 basis points quarter-on-quarter and 56 basis points year-on-year, significantly affecting net interest income growth [2][6]. - Non-interest income showed strong performance, growing by 11.1% year-on-year in Q2, driven by bond investment income, although fee and commission income declined by 22.4% [6][8]. Financial Performance Summary - For the first half of 2024, Ping An Bank's revenue is expected to be 146.137 billion CNY, down from 164.699 billion CNY in 2023, with a revenue growth rate of -11.27% [9]. - The bank's net profit attributable to shareholders is projected to be 46.485 billion CNY for 2024, showing a slight increase from 46.455 billion CNY in 2023, with a net profit growth rate of 0.06% [9]. - The bank's asset quality remains stable, with a non-performing loan (NPL) generation rate of 1.81% for the first half of 2024, a decrease from previous quarters [7][18]. Loan and Asset Management - In Q2 2024, Ping An Bank's average daily interest-earning assets grew by 1.37% year-on-year, with a notable decline in credit growth, particularly in retail loans, which have been actively adjusted for risk [1][12]. - The bank's strategy focuses on increasing low-risk loans such as housing mortgages and new energy vehicle financing while reducing exposure to higher-risk credit products [1][2]. - The bank's total loans decreased by 686 million CNY in Q2 2024, indicating a cautious approach to lending amid economic uncertainties [12][14]. Market Position and Outlook - Ping An Bank is focusing on restructuring its asset and liability management to enhance quality and efficiency, with an emphasis on adjusting its loan structure [2][8]. - The bank's cost of interest-bearing liabilities improved by 10 basis points to 2.2% in Q2 2024, benefiting from lower costs in interbank liabilities and deposits [6][15]. - The outlook for the bank remains cautious, with expectations of continued pressure on asset yields and net interest margins due to weak credit demand and ongoing structural adjustments [6][8].

Financial Performance - Revenue for the first half of 2024 decreased by 13.0% to RMB 77,132 million compared to RMB 88,610 million in the same period of 2023[24] - Net profit attributable to shareholders increased by 1.9% to RMB 25,879 million in the first half of 2024, up from RMB 25,387 million in the same period of 2023[24] - The cost-to-income ratio rose by 0.92 percentage points to 27.37% in the first half of 2024[24] - Net interest margin (annualized) decreased by 0.59 percentage points to 1.96% in the first half of 2024[24] - Non-interest income as a percentage of total income increased by 7.05 percentage points to 36.36% in the first half of 2024[24] - Total deposits increased by 4.8% to RMB 3,570,812 million as of June 30, 2024, compared to RMB 3,407,295 million at the end of 2023[24] - The non-performing loan ratio slightly increased by 0.01 percentage points to 1.07% as of June 30, 2024[24] - Provision coverage ratio decreased by 13.37 percentage points to 264.26% as of June 30, 2024[24] - Core tier 1 capital adequacy ratio improved by 0.11 percentage points to 9.33% as of June 30, 2024[24] - Total assets grew by 3.0% to RMB 5,754,033 million as of June 30, 2024, compared to RMB 5,587,116 million at the end of 2023[25] - Revenue decreased by 13.0% year-on-year to RMB 77.132 billion, with net interest income down 21.6% to RMB 49.086 billion, while non-interest income increased by 8.0% to RMB 28.046 billion[47][48] - Net profit grew by 1.9% year-on-year to RMB 25.879 billion, driven by digital transformation and cost efficiency improvements[45] - Total assets increased by 3.0% to RMB 5,754.033 billion, with loans and advances growing by 0.2% to RMB 3,413.474 billion, while corporate loans rose by 11.4% and personal loans declined by 7.9%[45] - Deposits grew by 4.8% to RMB 3,570.812 billion, with total liabilities increasing by 3.1% to RMB 5,272.164 billion[45] - Non-performing loan (NPL) ratio slightly increased to 1.07%, while provision coverage remained strong at 264.26%[45] - Core tier 1 capital adequacy ratio improved to 9.33%, meeting regulatory requirements[46] - Net interest margin (NIM) declined to 1.96%, compared to 2.55% in the same period last year, due to lower market interest rates and loan repricing[50] - Daily average balance of loans and advances increased by 1.2% to RMB 3,420.025 billion, with an average yield of 4.79%, down from 5.65% in the previous year[50] - Other non-interest income surged by 56.7% to RMB 15.049 billion, contributing significantly to overall revenue growth[48] - The average yield of loans and advances issued in the first half of 2024 was 4.79%, a decrease of 86 basis points compared to the same period last year, with corporate loans at 3.70% (down 35 basis points) and personal loans at 5.90% (down 101 basis points)[53][54] - The average interest-bearing rate of deposits in the first half of 2024 was 2.18%, a decrease of 2 basis points year-on-year, with RMB deposit rates down by 4 basis points[55] - Net interest income for Q2 2024 was RMB 23.929 billion, compared to RMB 25.157 billion in Q1 2024[52] - Non-interest net income for the first half of 2024 was RMB 28.046 billion, an increase of 8.0% year-on-year[56] - Net fee and commission income for the first half of 2024 was RMB 12.997 billion, a decrease of 20.6% year-on-year, with declines in settlement fees (1.0%), agency and entrusted fees (40.6%), and bank card fees (23.3%)[57][58] - Other non-interest net income for the first half of 2024 was RMB 15.049 billion, an increase of 56.7% year-on-year, driven by bond investment and other business opportunities[59] - The net interest margin (NIM) for Q2 2024 was 1.91%, compared to 2.01% in Q1 2024[52] - The average daily balance of loans and advances issued in Q2 2024 was RMB 3,427.113 billion, with interest income of RMB 39.615 billion and an average yield of 4.65%[52] - The average daily balance of deposits in Q2 2024 was RMB 3,430.443 billion, with interest expenses of RMB 18.305 billion and an average interest-bearing rate of 2.15%[52][55] - Corporate loans accounted for RMB 1,340.626 billion of the average daily balance in the first half of 2024, with interest income of RMB 24.660 billion and an average yield of 3.70%[53] - Investment income increased by 68.0% to RMB 12,239 million in the first half of 2024 compared to the same period in 2023[60] - Fair value change gains surged by 138.8% to RMB 2,424 million in the first half of 2024[60] - Business and management expenses decreased by 9.9% to RMB 21.109 billion in the first half of 2024[61] - Credit and other asset impairment losses dropped by 28.5% to RMB 23.153 billion in the first half of 2024[62][63] - Income tax expenses fell by 6.8% to RMB 6.098 billion in the first half of 2024, with the effective tax rate decreasing by 1.43 percentage points to 19.07%[64][65] - Investment financial assets increased by 8.8% to RMB 1,558.007 billion as of June 2024, with trading financial assets rising by 27.5% to RMB 574.021 billion[67][70] - Cash and deposits with central banks grew by 11.4% to RMB 305.998 billion as of June 2024[67] - Other assets surged by 68.5% to RMB 84.642 billion as of June 2024[67] - The company held financial bonds worth RMB 247.465 billion as of June 2024, with the top two bonds being policy bank bonds[71][72] - Total liabilities of the group reached RMB 5,272.164 billion as of June 30, 2024, an increase of 3.1% compared to the end of the previous year[80] - The group's total deposits amounted to RMB 3,570.812 billion, a 4.8% increase from the end of 2023, with personal deposits growing by 6.9% and corporate deposits by 3.7%[82] - The fair value change of derivative financial instruments during the reporting period was RMB 6,034 million, with foreign exchange derivatives accounting for RMB 4,950 million of the total[75] - The group's goodwill balance as of June 30, 2024, was RMB 7.568 billion, unchanged from the previous reporting period[77][78] - The net value of foreclosed assets increased by 1,575.7% to RMB 3.452 billion, primarily due to a significant increase in land, buildings, and structures[79] - The group's shareholder equity reached RMB 481.869 billion, a 2.0% increase from the end of 2023, with retained earnings growing by 4.4% to RMB 230.986 billion[84] - The group's deposit distribution showed the highest growth in the headquarters region, increasing by 93.1% to RMB 161.240 billion[83] - The group's trading financial liabilities increased by 280.5% to RMB 120.297 billion, reflecting significant changes in financial market activities[81] - The group's other liabilities surged by 168.4% to RMB 65.154 billion, mainly due to increased clearing payables and accrued expenses[81] - The group's borrowing from the central bank decreased by 39.5% to RMB 126.298 billion, indicating reduced reliance on central bank funding[81] - Shareholder equity increased to RMB 481.869 billion, up from RMB 472.328 billion at the beginning of the period, with a net increase of RMB 26.061 billion[85] - Buyback financial assets decreased by 55.4% to RMB 49.461 billion, primarily due to a reduction in bond buyback scale[86] - Operating cash flow increased by RMB 694.81 billion to RMB 1,137.22 billion, driven by increased cash inflows from deposit absorption and bond lending[87] - Non-performing loan (NPL) ratio rose slightly to 1.07%, up by 0.01 percentage points from the end of the previous year[91] - Provision coverage ratio stood at 264.26%, a decrease of 13.37 percentage points from the previous year[93] - Total loans and advances increased by 0.2% to RMB 3,413.474 billion, with normal loans accounting for 97.08% of the total[92] - The bank wrote off RMB 30.456 billion in loans, a decrease of 6.3% year-on-year, and recovered RMB 16.303 billion in non-performing assets[91] - Trading financial liabilities surged by 280.5% to RMB 120.297 billion, mainly due to an increase in bond lending business scale[86] - Investment income increased by 68.0% to RMB 12.239 billion, primarily driven by higher bond investment returns[86] - Fair value change gains surged by 138.8% to RMB 2.424 billion, mainly due to increased gains from trading financial instruments[86] - Corporate loan balance increased to RMB 1,592,139 million, accounting for 46.6% of total loans, with a non-performing loan (NPL) ratio of 0.66%, up by 0.03 percentage points year-on-year[94][95] - Personal loan balance decreased to RMB 1,821,335 million, accounting for 53.4% of total loans, with an NPL ratio of 1.42%, up by 0.05 percentage points year-on-year[94][96] - Manufacturing sector NPL ratio increased by 0.35 percentage points to 0.67%, while real estate sector NPL ratio rose by 0.40 percentage points to 1.26%[97][98] - Total loan and advances balance reached RMB 3,413,474 million, with an overall NPL ratio of 1.07%, up by 0.01 percentage points year-on-year[94][97][99] - Restructured loans decreased by 33.0% to RMB 21,445 million, accounting for 0.63% of total loans[100] - Overdue loans ratio decreased by 0.03 percentage points to 1.39%[101] - Loans in the Southern region had an NPL ratio of 1.38%, up by 0.36 percentage points year-on-year[99] - Loans in the Western region had an NPL ratio of 0.66%, down by 0.10 percentage points year-on-year[99] - Loans in the Northern region had an NPL ratio of 0.52%, up by 0.07 percentage points year-on-year[99] - Loans in the headquarters region had an NPL ratio of 1.69%, down by 0.23 percentage points year-on-year[99] - The company's provision for credit impairment losses on loans and advances was RMB 23.775 billion in the first half of 2024[102] - The top ten loan customers accounted for RMB 68.899 billion, representing 2.02% of the total loans and advances[105][106] - Personal loan balance decreased by 7.9% to RMB 1,821.335 billion as of June 30, 2024, compared to the end of the previous year[109][110] - Credit card outstanding accounts decreased by 4.1% to 51.6558 million as of June 30, 2024[109] - Auto finance loan balance reached RMB 282.216 billion, with new personal new energy vehicle loans increasing by 38.4% to RMB 22.889 billion in the first half of 2024[113] - Retail customer assets under management (AUM) increased by 2.2% to RMB 4,120.630 billion as of June 30, 2024[114] - Personal deposit balance grew by 6.9% to RMB 1,290.345 billion as of June 30, 2024[114][116] - The number of private banking clients increased by 3.7% to 93,500, with AUM growing by 1.5% to RMB 1,944.879 billion[114] - Wealth management fee income decreased to RMB 2.186 billion in H1 2024, with personal insurance, personal wealth management, and personal fund agency incomes at RMB 456 million, RMB 565 million, and RMB 1.004 billion respectively[118] - Private banking clients reached 93,500, a 3.7% increase from the end of the previous year, with AUM of RMB 1.944879 trillion, up 1.5%[118] - Ping An Pocket Bank APP registered users grew to 169.6846 million, a 2.2% increase, with MAU reaching 43.3825 million[121] - Corporate loan balance increased by 11.4% to RMB 1.592139 trillion, while corporate deposit balance rose 3.7% to RMB 2.280467 trillion[123] - New loans issued to four foundational industries (infrastructure, automotive ecosystem, utilities, and real estate) reached RMB 200.54 billion, a 42.1% year-on-year increase[124] - New loans issued to three emerging industries (new manufacturing, new energy, and new lifestyle) totaled RMB 106.142 billion, up 47.1% year-on-year[124] - Corporate clients increased by 48,700 to 802,700, a 6.5% growth from the end of the previous year[125] - Technology enterprise clients reached 24,400, with loan balance growing 10.3% to RMB 131.688 billion[125] - Comprehensive financial contributions accounted for 38.8% of new wealth clients, 61.7% of AUM net increase, 16.8% of auto finance loan issuance, and 10.8% of new credit card accounts[122] - High-end medical services exceeded 63,000 cases, and the "Ping An Leshan" charity service served 107,000 donors by the end of June 2024[118] - Digital treasury platform signed 1,222 group customers, a 27.0% increase compared to the end of the previous year[127] - Supply chain financing volume reached 725.318 billion yuan, a 30.6% year-on-year increase[128] - Bill financing services provided to 24,030 corporate clients, with bill discount financing clients increasing by 12.2% to 16,047[128] - Direct bill discount business volume reached 574.086 billion yuan, a 64.9% year-on-year increase[128] - Cross-border trade financing volume reached 116.937 billion yuan, a 51.1% year-on-year increase[129] - M&A business volume reached 25.326 billion yuan, a 2.7% year-on-year increase[130] - Syndicated loan business volume reached 1,276.69 billion yuan, an 85.3% year-on-year increase[130] - Non-financial bond underwriting business volume reached 107.311 billion yuan[131] - Bond trading market share reached 3.5%, a 0.6 percentage point increase year-on-year[133] - Green bonds, small and micro bonds, rural revitalization bonds, and other sustainable development bonds trading volume reached 36.84 billion yuan[134] - Bond underwriting sales through interbank channels reached 94.6 billion yuan in the first half of 2024[136] - The "Xingetong" platform's asset management product sales reached 287.816 billion yuan, a 43.8% increase from the end of the previous year[136] - The bank's custody scale reached 9.01 trillion yuan, a 3.6% increase from the end of the previous year[137] - Public fund custody and third-party fund sales supervision scale reached 1.97 trillion yuan, a 12.6% increase from the end of the previous year[137] - The number of customers using foreign exchange spot and derivative hedging services reached 11,058, a 12.8% year-on-year increase[138] - The "Digital Pocket" platform registered 21.9852 million business users, a 16.2% increase from the end of the previous year[141] - The "iDeal Structured Inquiry and Quotation" transaction volume exceeded 150 billion yuan in the first half of 2024[141] - The "Xingetong" platform offered 12,403 public fund products, a 1.2% increase from the end of the previous year[141] - The automation rate of standard expense processes reached 86%, with carbon emission reductions exceeding 340 tons[141] - The intelligent rate of anti-money laundering customer due diligence reached 90% by the end of June 2024[147] - The company obtained nearly 300 patent authorizations in the first half of 2024, a year-on-year increase of over 100%, and participated in the development of 4 national standards and 35 industry standards by the end of June 2024[148] - AI outbound calls were applied to approximately 430 scenarios, with a scale of about 300 million calls, and AI quality inspection models exceeded 500, with over 450 million calls in the first half of 2024[148] - The company's key business system

注: 平安银行股份有限公司《以下简称"本行"）作为上市的商业银行，向关联方发放的贷款及持有关联方发行的债券严格依据相关规定开展，不属于一般意义上的关联方占用上市公司 资金范畴。本行与关联方的重大交易以及经营性资金往来，已在本行截至 2024 年 6 月 30 日止六个月期间的中期财务报表附注八中披露。 | | 资金 | 占用方与 | 上市公司核算 | 20000022 2024 年期初 | 2024 年上半年 占用累计 | 2024 年上半年 | 2024年上半年 | 2024年6月末 | 占用 | 占用性质 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 非经营性资金占用 | 占用方名称 | 上市公司 的关联关系 | 的会计科目 | 占用资金余额 | 发生金额 (不含利息) | 占用资金 的利息(如有) | 偿还累计 发生金额 | 占用资金余额 | 形成原因 | | | 控股股东、实际控制人及其附属企业 | 元 | 元 | 无 | 无 | 元 | 无 | 无 | 元 | 无 | 元 | | 小计 | 元 | 元 ...

证券代码：000001 证券简称：平安银行 公告编号：2024-040 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监事会决议公告 本公司及监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"）第十一届监事会第十次会议于 2024 年 8 月 15 日在本行召开。本次会议的召开符合有关法律、法规、规章和公 司章程的规定。会议应到监事 6 人（包括外部监事 2 人），监事长叶望春，监事 车国宝、王春汉、韩小京、孙永桢和邓红在现场或通过电话参加了会议。 会议由本行监事长叶望春主持。会议审议通过了如下议案： 一、审议通过了《平安银行股份有限公司 2024 年半年度报告》。 经审核，监事会认为董事会编制和审议本行 2024 年半年度报告的程序符合 法律、行政法规及中国证监会的规定，报告内容真实、准确、完整地反映了本行 的实际情况，不存在任何虚假记载、误导性陈述或者重大遗漏。 以上议案同意票 6 票，反对票 0 票，弃权票 0 票。 以上议案同意票 6 票，反对票 0 票，弃权票 0 票。 特此公告。 二、审议通过了 ...

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"）第十二届董事会第二十九次 会议通知以书面方式于 2024 年 8 月 5 日向各董事发出。会议于 2024 年 8 月 15 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、陈心颖、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。 证券代码：000001 证券简称：平安银行 公告编号：2024-039 优先股代码：140002 优先股简称：平银优 01 本议案同意票 13 票，反对票 0 票，弃权票 0 票。 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 2024 年半年度报告》及《平安银行股份有限公司 ...

平安银行股份有限公司（以下简称"本行"）拟于2024年8月16日披露《平 安银行股份有限公司2024年半年度报告》，并于同日召开2024年半年度业绩发布 会。 一、会议相关安排 1、会议召开时间：2024年8月16日上午10:00-12:00 证券代码：000001 证券简称：平安银行 公告编号：2024-038 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 关于召开 2024 年半年度业绩发布会的公告 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。 二、征集问题事项 本行现就2024年半年度业绩和经营情况提前向投资者征集相关问题，投资者 可于2024年8月15日23时59分前将相关问题通过电子邮件的形式发送至本行邮箱： PAB_db@pingan.com.cn。本行将在业绩发布会上对投资者普遍关注的问题进行 回答。 特此公告。 平安银行股份有限公司董事会 2024 年 8 月 10 日 2、本行参加人员：冀光恒行长等本行管理层成员和独立董事 3、网络直播地址：全景路演（https://rs.p5w.net）和本行口袋银行APP等 ...

一、审议通过了《平安银行新一贷白领客群个人贷款产品管理办法》。 本行董事会风险管理委员会已审议通过本议案。 证券代码：000001 证券简称：平安银行 公告编号：2024-037 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"）第十二届董事会第二十八次会 议以书面传签方式召开。会议通知以书面方式于 2024 年 7 月 26 日向各董事发 出，表决截止时间为 2024 年 7 月 29 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、陈心颖、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： 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。 五、审议通过了《平安银行个人联合贷款业务管理办法》。 本议案同意票 13 票，反对 ...

证券代码：000001 证券简称：平安银行 公告编号：2024-036 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于外部监事逝世的公告 平安银行股份有限公司监事会 2024 年 7 月 20 日 本公司及监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。 目前，本行监事会成员 6 名，其中外部监事 2 名，成员人数及构成符合相关 法律法规及本行章程的规定。 特此公告。 平安银行股份有限公司（以下简称"本行"）第十一届监事会外部监事王松 奇先生近日因病不幸逝世。 王松奇先生在担任本行监事会外部监事及监事会审计与监督委员会委员期 间，勤勉尽责、恪尽职守，忠实履行监事职责，为本行规范运作和持续稳健发展 发挥了积极作用。本行监事会对王松奇先生任职期间为本行所作的贡献表示衷心 感谢，对王松奇先生的逝世表示沉痛哀悼，并向其家属致以深切慰问。 ...

证券代码：000001 证券简称：平安银行 公告编号：2024-035 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 关于 2024 年二级资本债券发行完毕的公告 2024 年 7 月 12 日 本期债券募集的资金将依据适用法律和监管部门的批准，用于补充本行二级 资本。 特此公告。 平安银行股份有限公司董事会 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 300 亿元人民币的二级资本债券（以下简称 "本期债券"）。 本期债券总规模为人民币 300 亿元，分为两个品种。其中，品种一为 10 年 期固定利率债券，发行规模为 270 亿元，票面利率为 2.32%，在第 5 年末附有条 件的发行人赎回权；品种二为 15 年期固定利率债券，发行规模为 30 亿元，票面 利率为 2.50%，在第 10 年末附有条件的发行人赎回权。 ...