Ping An Bank's Chairman Describes 2025 as a Challenging Yet Foundational Year

Deep News03-23 15:21

Ping An Bank Co.,Ltd. held its 2025 performance briefing on March 23. The bank's Party Committee Secretary and President Ji Guangheng stated that 2025 was a difficult year for the institution, but also a year in which it laid a more solid foundation for future development.

Ji Guangheng pointed out that, influenced by low market interest rates and continued efforts to support the real economy through proactive business restructuring, the bank's revenue and profit declined compared to the previous year. Annual revenue reached 131.4 billion yuan, a decrease of 10.4%, while net profit was 42.6 billion yuan, down 4.2%.

Ji Guangheng also noted several operational highlights for Ping An Bank in 2025. Firstly, the asset structure was adjusted and optimized. Total assets increased by 2.7% compared to the end of the previous year, and the loan balance grew by 3.5%. Loans in sectors such as technology enterprises and green finance showed strong growth. Secondly, the bank continuously improved its refined management capabilities. It proactively optimized interest-bearing costs, with the interest rate on general deposits reaching 1.65%, a decrease of 42 basis points year-on-year. Thirdly, asset quality continued to improve, and risk resilience remained strong. The non-performing loan ratio stood at 1.05%, and the non-performing loan formation rate decreased by 0.17 percentage points compared to the previous year.

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