Ping An Bank Released 2025 Performance Report: Achieved Operating Revenue of 131.442 Billion Yuan, Net Profit of 42.633 Billion Yuan

Everyday Reporter | Pan Ting Everyday Editor | Huang Sheng

On the evening of March 20, Ping An Bank released its 2025 performance report. Data shows that last year, Ping An Bank achieved operating income of 131.442 billion yuan; net profit of 42.633 billion yuan; non-performing loan ratio of 1.05%, down 0.01 percentage points from the end of the previous year; and a provision coverage ratio of 220.88%.

Looking ahead to 2026, Ji Guangheng, Secretary of the Ping An Bank Party Committee and President, stated in the report speech that in the new year, the bank will adhere to the “Two Persistences,” implement the “Two Graspings,” and focus on the “Two Priorities.” Among them, it emphasizes unwavering commitment to the strategy of “strengthening retail, refining corporate banking, and specializing in interbank,” making technology a core competitive driver for the bank’s development, and focusing on promoting stable operations and sustainable growth.

Net profit last year was 42.6 billion yuan

Last year, Ping An Bank achieved operating income of 131.442 billion yuan, a year-on-year decrease of 10.4%. The bank explained that the decline in revenue was mainly influenced by two factors.

On one hand, due to falling loan interest rates and adjustments in business structure, net interest margin was 1.78%, down 9 basis points from 2024. On the other hand, primarily affected by market fluctuations, non-interest income from bond investments and other businesses declined.

In terms of asset structure, as of the end of 2025, Ping An Bank’s total assets reached 59.2577 trillion yuan, an increase of 2.7% from the end of the previous year. Notably, loans in fields such as technology companies and green finance saw good growth.

Regarding deposit scale, as of the end of 2025, the bank’s total liabilities were 53.7453 trillion yuan, up 1.9% from the end of last year; the principal of deposits absorbed was 35.8276 trillion yuan, an increase of 1.4%. The bank strengthened the absorption of low-cost deposits, quickly adjusted the pace of deposit and interbank liability absorption, and reduced overall liability costs.

Ping An Bank also announced its Ping An Wealth Management performance. As of the end of 2025, total assets of Ping An Wealth Management were 14.522 billion yuan, net assets of 13.943 billion yuan, and net profit for the year was 1.476 billion yuan; the balance of wealth management products managed was 1.092211 trillion yuan.

Corporate loan balance reached 1.663546 trillion yuan, a 3.5% increase from the end of last year

In the three major business sectors of retail, corporate, and interbank funds, Ping An Bank remains committed to the strategy of “strengthening retail, refining corporate banking, and specializing in interbank,” fully implementing various reform measures, and continuously upgrading its strategy. The bank insists on cost reduction and efficiency improvement, strict governance, and strives to enhance operational management and banking efficiency.

In retail banking, Ping An Bank deepened its retail strategic transformation, centered on customers, and built a distinctive retail banking model. By the end of 2025, the bank had 127.8963 million retail customers, an increase of 1.9% from the end of the previous year; retail customer assets under management (AUM) reached 4.238409 trillion yuan, up 1.1%.

In interbank business, the bank continued to enrich customer services through “investment transactions + client services,” and optimized investment management models. By the end of 2025, the number of valued clients in interbank institutions reached 1,512, and the volume of bond trading sold to domestic and foreign institutions was 6.77 trillion yuan, a year-on-year increase of 49.1%.

Meanwhile, Ping An Bank continued to increase support for the real economy, supporting inclusive finance, manufacturing, and high-quality technological enterprises. By the end of 2025, total on- and off-balance sheet credit financing reached 4.893277 trillion yuan. The number of inclusive small micro enterprise loan accounts reached 909,400; new loans to inclusive small micro enterprises in 2025 amounted to 286.126 billion yuan, a year-on-year increase of 29.5%.

The bank also released real estate risk management data. As of the end of 2025, the total balance of credit risk-bearing business related to real estate, including real estate-related loans, on-balance sheet and off-balance sheet investments, self-operated bonds, and non-standard investments, was 251.357 billion yuan, a decrease of 21.98 billion yuan from the end of last year; the balance of non-credit risk businesses such as wealth management fund investments, entrusted loans, managed trust and fund sales by partner institutions, and main underwritten debt financing instruments was 70.361 billion yuan, a decrease of 5.518 billion yuan from the end of last year.