Ping An Bank's earnings are announced, with proposed dividends exceeding 11.5 billion yuan!

【Intro】Ping An Bank releases its 2025 annual report; the total cash dividend payout for the year is as high as 11.566 billion yuan

China Fund Reporter Liu Ming, Trainee Reporter Qin Ningwei

On the evening of March 20, Ping An Bank (stock code: 000001), the “No. 1” company on the Shenzhen market, released its 2025 annual report. In 2025, it achieved operating income of 131.442 billion yuan and net profit attributable to shareholders of 42.633 billion yuan.

Ping An Bank plans to use the bank’s total share capital of 19.406 billion shares at the end of 2025 as the base; for the whole year, it will distribute a cash dividend of 5.96 yuan for every 10 shares (including tax), for a total cash payout of 11.566 billion yuan.

Operating income 131.442 billion yuan, net profit 42.633 billion yuan

In 2025, affected by factors such as changes in market interest rates and adjustments to the business mix, Ping An Bank achieved operating income of 131.442 billion yuan, down 10.4% year over year. It achieved net profit of 42.633 billion yuan, down 4.2% year over year. With the ongoing deepening of strategic reforms, some operating indicators have shown a positive trend.

Total annual cash dividend payout 11.566 billion yuan; 5.96 yuan distributed for every 10 shares

Ping An Bank said that the ordinary-share profit distribution plan considered and approved by the board of directors is: it proposes to use the bank’s total share capital of 19.406 billion shares as of December 31, 2025 as the base, and to distribute, for the whole year of 2025, cash dividends of RMB 5.96 yuan for every 10 shares (including tax).

Of these: for the 2025 interim period, Ping An Bank has already completed the distribution of 2.36 yuan for every 10 shares (including tax), for a total cash payout of 4.580 billion yuan; for the final dividend, it plans to distribute an additional 3.60 yuan for every 10 shares (including tax), corresponding to a cash payout of 6.986 billion yuan. The total dividend amount in this distribution represents 28.83% of net profit attributable to ordinary shareholders.

Ping An Bank’s latest closing price is 10.77 yuan per share; based on this, the annual dividend yield is 5.53%.

Total assets reach 5.93 trillion yuan; interest-earning rate clearly improves

The annual report shows that as of the end of 2025, Ping An Bank’s total assets were 5,925.777 billion yuan, up 2.7% from the end of the previous year; the principal balance of loans and advances was 3,390.840 billion yuan, up 0.5% from the end of the previous year; the balance of corporate loans increased 3.5% from the end of the previous year, with ongoing efforts to strengthen support for the real economy.

Deposit scale remains steady, and the interest-earning rate improves significantly. As of the end of 2025, Ping An Bank’s total liabilities were 5,374.593 billion yuan, up 1.9% from the end of the previous year; the principal balance of absorbed deposits was 3,582.755 billion yuan, up 1.4% from the end of the previous year. In 2025, the average interest-bearing liability average interest expense rate was 1.67%, down 47 basis points year over year from 2024; the average interest expense rate on absorbed deposits was 1.65%, down 42 basis points year over year from 2024.

In addition, Ping An Bank’s non-performing loan ratio decreased by 0.01 percentage points from the end of the previous year to 1.05%, and the provision coverage ratio was 220.88%.

Retail customers: 128 million accounts; retail customer AUM: 4.24 trillion yuan

Ping An Bank said it remains firmly committed to its retail strategy. As of the end of 2025, Ping An Bank had 127.8963 million retail customers, up 1.9% from the end of the previous year; managed retail customer assets (AUM) were 42,384.09 billion yuan, up 1.1% from the end of the previous year.

In terms of the wealth management business, as of the end of 2025, the balance of personal deposits was 1,287.5 billion yuan; the AUM balance generated by customers from salary payments and bulk businesses was 1,166.090 billion yuan, up 19.3% from the end of the previous year; this brought customer deposit balance of 393.871 billion yuan, up 10.8% from the end of the previous year.

As of the end of 2025, there were 1.4915 million wealth management customers, up 2.4% from the end of the previous year; of these, private banking customers were 105.6 thousand, up 9.1% from the end of the previous year; private banking customer AUM balance was 19,913.13 billion yuan, up 0.8% from the end of the previous year.

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