Core Viewpoint - The summit organized by Ping An Bank focuses on the high-quality development of the public fund industry, emphasizing collaboration among various financial institutions and the integration of AI technology in wealth management [1][3]. Group 1: Summit Overview - The summit titled "Gathering Strength for Ecology, Smartly Starting a New Journey" attracted over 40 fund companies, securities firms, and third-party distribution platforms, highlighting Ping An Bank's influence in the public fund sector [1]. - Key figures from Ping An Bank and other financial institutions participated, showcasing a commitment to enhancing the public fund ecosystem [1]. Group 2: Industry Challenges and Opportunities - Ping An Bank's President, Ji Guangheng, noted the increasing wealth management awareness among residents and the diversification of investment needs, presenting new challenges for the public fund industry [3]. - The bank aims to return wealth management to its essence of "value creation" and deepen partnerships to foster growth in the wealth management sector [3]. Group 3: Collaborative Efforts - Ping An Bank's Private Banking Wealth Department highlighted its unique cooperation with fund companies, focusing on long-term quality service and equitable asset management for all clients [4]. - The bank plans to leverage its market-making trading business to enhance bond market trading depth and strengthen connections between issuers and investors [4]. Group 4: Brand Launch and Index Investment - The summit featured the launch of the "Index at Ping An" brand, aimed at embracing the index investment era through collaboration across multiple sales and investment channels [5]. - This initiative seeks to provide comprehensive services for index products and enhance clients' long-term wealth growth [5]. Group 5: Future Directions and Innovations - Industry leaders discussed the potential for collaboration between banks and fund companies in areas such as investment research, distribution, and custody services [6]. - A roundtable forum explored topics like fund ecosystem construction and investment opportunities, contributing new ideas for the future of the public fund industry [7]. Group 6: Closing Remarks - The closing remarks emphasized the need for a refined product matrix to meet the evolving demands of clients, particularly in light of the personal pension system and the global investment needs of high-net-worth individuals [7].

Core Viewpoint - Ping An Bank's 2024 financial results reveal a significant decline in both revenue and net profit, indicating the bank is facing substantial challenges due to industry cycles and competitive pressures, as well as the costs associated with restructuring its asset portfolio and business model [1][2]. Financial Performance - The bank reported total operating income of 146.695 billion yuan, a year-on-year decrease of 10.93%, and a net profit attributable to shareholders of 44.508 billion yuan, down 4.19% from the previous year [1]. - The net interest margin fell to 1.87%, a decrease of 51 basis points from the previous year, marking the largest annual decline since 2010 [2]. - Interest income decreased by 20.8%, with corporate loan average yield dropping by 44 basis points and personal loan average yield declining by 102 basis points [4]. Revenue Breakdown - Interest income accounted for 93.427 billion yuan, representing 63.7% of total income, down from 71.6% the previous year [4]. - Non-interest income grew by 14.0%, but net fees and commissions fell by 18.1%, particularly in credit card and wealth management services [5][6]. Retail Business Challenges - The retail business, once a strong growth area, saw its revenue contribution drop below 50%, falling from 58.2% in 2023 to 48.6% in 2024 [8]. - Credit card circulation decreased by 12.9%, and total credit card spending fell by 16.6%, reflecting increased competition and changing consumer financial needs [8][9]. - Consumer loan balances also declined, with a notable increase in the non-performing loan ratio for personal loans [9][12]. Asset Quality Concerns - Total assets reached 5.769 trillion yuan, a 3.3% increase year-on-year, but the quality of assets remains under pressure, with rising non-performing loan ratios [12][14]. - The bank reported significant asset impairment losses, totaling 49.428 billion yuan, primarily affecting retail operations [6][14]. Strategic Adjustments - In response to these challenges, Ping An Bank is undergoing strategic adjustments, including a restructuring of its credit product offerings and a focus on improving internal management [20]. - Recent personnel changes in the retail division signal a commitment to reform and a desire to enhance operational efficiency [20].

Group 1 - Ping An Bank Co., Ltd. has applied for a patent titled "Artificial Intelligence-Based Information Parsing Method, Device, Computer Equipment, and Medium," with publication number CN 119692460 A, and the application date is November 2024 [1] - The patent application falls within the field of artificial intelligence technology and involves a method for parsing quotation information using a large model, which enhances the accuracy of the parsed quotation information [1] - The application also includes a provision for storing target quotation information on a blockchain, indicating a potential integration of AI and blockchain technologies [1] Group 2 - Ping An Bank Co., Ltd. was established in 1987 and is located in Shenzhen, primarily engaged in monetary financial services [2] - The registered capital of Ping An Bank is approximately 1,142,489.4787 million RMB [2] - The company has made investments in 27 enterprises, participated in 1,202 bidding projects, and holds 4,537 patent records along with 495 trademark records [2]

Group 1 - The core theme of the event organized by Ping An Bank Zhengzhou Branch is "Innovation Driven, Financial Empowerment," aimed at exploring high-quality development paths for the health food industry and building a resource-sharing platform for entrepreneurs [1] - The health food industry is experiencing new opportunities for development under the "Healthy China" strategy, with Ping An Bank providing financial support and innovative solutions to support the transformation and upgrading of the real economy [1][4] - Entrepreneurs visited the intelligent production base and product R&D center of Haoxiangni Group, gaining insights into the quality control system and innovative applications of red dates deep processing technology [2] Group 2 - Haoxiangni Group shared its user experience-centered online and offline integration model, including precise marketing strategies and community operation experiences, which received high recognition from the visiting entrepreneurs [2] - The discussion highlighted Haoxiangni Group's achievements in rural revitalization and agricultural assistance, such as increasing farmers' income through order agriculture and building a green supply chain [3] - The series of visits marks an upgrade in bank-enterprise cooperation from single financial services to ecological and scenario-based services, with Ping An Bank Zhengzhou Branch committed to providing comprehensive services for entrepreneurs [4]

Core Viewpoint - The event organized by Ping An Bank Beijing Branch aims to enhance financial security awareness among the elderly, responding to national calls to combat telecom fraud and optimize payment services [1][3]. Group 1: Event Overview - The "Anti-Fraud and Financial Security Awareness" event was held on March 26, featuring interactive experiences to educate the elderly on fraud prevention and payment services [1]. - Three interactive installations were set up: "Anti-Fraud Platter," "Payment Optimization Wall," and "Smart Anti-Fraud Ring Toss," combining financial knowledge with fun activities [1]. Group 2: Educational Initiatives - A senior police officer from the Beijing Anti-Fraud Center provided a lecture on the "Three No's and One More" principle to strengthen the elderly's fraud prevention skills [2]. - Volunteers from the People's Bank of China and Ping An Bank distributed anti-fraud brochures and explained payment service measures, enhancing the elderly's understanding of currency security features [3]. Group 3: Future Commitments - Ping An Bank Beijing Branch plans to continue hosting financial education activities for the elderly, focusing on fraud prevention, payment service optimization, and cash knowledge promotion [3]. - The bank aims to contribute to a harmonious financial environment and support the construction of an elderly-friendly society through these initiatives [3].

Core Viewpoint - Ping An Bank has announced a significant plan for the transfer of non-performing loans exceeding 12.8 billion yuan, indicating challenges in its retail business and overall financial performance [1][2][4]. Non-Performing Loan Transfer - From March 1 to March 17, Ping An Bank disclosed multiple announcements regarding the transfer of non-performing loans, with a total outstanding principal and interest amounting to 12.8 billion yuan, all categorized as loss-type loans [1][2]. - The three projects with the highest number of personal non-performing loans are related to credit card overdrafts, with the largest project involving 45,373 loans [1][2]. - The total outstanding principal for the largest non-performing loan project is 780 million yuan, while the total outstanding principal and interest for the same project is 2.717 billion yuan [2]. Financial Performance - For 2024, Ping An Bank reported an operating income of 146.7 billion yuan, a year-on-year decrease of 10.93%, and a net profit attributable to shareholders of 44.5 billion yuan, down 4.19% [4][5]. - The bank's retail financial business saw a significant decline, with operating income dropping from 96.2 billion yuan in 2023 to 71.3 billion yuan in 2024, representing a decrease in contribution to total income from 58.4% to 48.6% [5][6]. Loan and Capital Metrics - As of the end of 2024, the total amount of loans and advances issued by Ping An Bank was 3.374 trillion yuan, reflecting a 1.0% year-on-year decline [6]. - The bank's core Tier 1 capital adequacy ratio decreased from 8.97% in 2023 to 8.86% in 2024, indicating a tightening capital position [6]. Interest Margin and Non-Interest Income - The average net interest margin for 2024 was 1.87%, down 51 basis points year-on-year, primarily due to declining market interest rates [7]. - Non-interest income saw a significant increase of 69% year-on-year, driven by successful market opportunities in bond investments, despite a decline in fee income from insurance and credit card services [7].

Group 1 - The conference "2025 Gathering Financial 'Vitality' to Co-create a New Quality Future" was held, focusing on the development trends of science and technology finance [1] - Ping An Bank Beijing Branch participated in the conference, highlighting its professional position in the financial sector and exploring new business opportunities in Changping District [1][4] - The conference featured discussions on cutting-edge dynamics, innovative models, and future trends in science and technology finance [2] Group 2 - The establishment of the "Future Science and Technology Finance Think Tank" was announced, along with the release of the "Changping District High-Quality Development Action Plan for Science and Technology Finance" and the "Cross-Border RMB Settlement Pilot Reward Measures" [3] - A strategic cooperation agreement was signed between the district government and key financial institutions, including Ping An Bank Beijing Branch, emphasizing the bank's role in supporting technological innovation and serving the real economy [4] - Ping An Bank Beijing Branch has been actively involved in supporting community livelihood projects and inclusive finance loans in Changping District, aiming to provide better financial services to local enterprises [4]

Core Viewpoint - Ping An Bank's Qionghai branch is enhancing payment services for foreign personnel in Hainan, particularly in preparation for the Boao Forum for Asia 2025, focusing on convenience and service experience [1]. Group 1: Payment Services Optimization - The branch has achieved full coverage of ATM cash withdrawal services for foreign cards, supporting UnionPay, VISA, and MasterCard, allowing foreign individuals to withdraw cash at real-time exchange rates [2]. - A simplified account opening service for foreigners has been introduced, featuring bilingual application forms and efficient processing, enabling immediate account usage on the same day [2]. - The branch provides multilingual payment guides in seven languages, including Chinese, English, Japanese, Korean, and Russian, to help foreign individuals understand various payment methods in China [2]. Group 2: Additional Services and Community Engagement - Real-time foreign exchange rates are displayed on in-branch televisions, aiding foreign individuals in financial planning and increasing their understanding of the Chinese financial market [3]. - A "small change wallet" service has been launched to address the issue of cash change for foreign individuals, offering standardized small denomination exchanges at cash counters [3]. - The branch conducts regular promotional activities in local communities to raise awareness of payment convenience and encourage merchants to respect consumer payment preferences [3]. Group 3: Future Plans - The branch plans to continue improving payment services for foreign individuals by enhancing staff training, optimizing cash services, and ongoing promotional efforts, fulfilling its social responsibility [4].

证券代码：000001 证券简称：平安银行 公告编号：2025-015 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 会议审议通过了《关于聘任方蔚豪先生为平安银行股份有限公司副行长的议 案》。 同意聘任方蔚豪先生为平安银行股份有限公司副行长。 上述任职须报国家金融监督管理总局核准。 本行董事会提名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。 方蔚豪先生的简历请见附件。 特此公告。 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）第十二届董事会第三十七次会议通 知以书面方式于 2025 年 3 月 18 日向各董事发出。会议于 2025 年 3 月 21 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 ...

Dividend Distribution - The proposed cash dividend for 2024 is RMB 6.08 per 10 shares, totaling RMB 11.799 billion, which represents 28.32% of the net profit attributable to ordinary shareholders and 26.51% of the total net profit [1] - The interim dividend for 2024 was RMB 2.46 per 10 shares, amounting to RMB 4.774 billion, while the proposed year-end dividend is RMB 3.62 per 10 shares, totaling RMB 7.025 billion [1] - The shareholder return plan for 2024-2026 indicates that cash distributions will range from 10% to 35% of the distributable profits for the year [1] Interest Margin Outlook - The net interest margin for 2024 is projected at 1.87%, a decrease of 51 basis points year-on-year, primarily due to declining market interest rates and the reduction of high-risk retail assets [1] - For 2025, the net interest margin is expected to face downward pressure, but the decline rate is anticipated to slow down [1] Asset Quality Performance - The non-performing loan (NPL) ratio at the end of 2024 is 1.06%, unchanged from the previous year, with an NPL generation rate of 1.80%, down by 0.09 percentage points year-on-year [2] - The provision coverage ratio is 250.71%, a decrease of 26.92 percentage points from the previous year [2] Retail Loan Situation - The personal loan balance at the end of 2024 is RMB 1.7672 trillion, a decrease of 10.6% from the previous year, with mortgage loans accounting for 62.8% of personal loans [3] - Strategies include optimizing loan structures, enhancing risk management, and improving customer engagement to support long-term business health [3] Corporate Loan Direction - New corporate loans in 2024 for key industries (infrastructure, automotive, public utilities, real estate) are projected at RMB 442.5 billion, a year-on-year increase of 35.4% [4] - New loans for emerging industries (new manufacturing, new energy, new lifestyle) are expected to reach RMB 216 billion, reflecting a year-on-year growth of 41.9% [4] Wealth Management Performance - The number of wealth management clients reached 1.46 million, a growth of 5.7% year-on-year, with private banking clients increasing by 7.3% to 300,000 [5] - The assets under management (AUM) for private banking clients totaled RMB 1.9755 trillion, a 3.1% increase from the previous year [5] - Wealth management service fees amounted to RMB 4.4 billion, with a decline attributed to reduced fees in the insurance channel [5]