Ping An Bank: Prudent Provisioning in Place, Overall Risk of Real Estate Loan Exposure Under Control

Deep News11-19

On November 19, financial news reported that Ping An Bank Co., Ltd. released investor relations management information. According to the bank's investor activity records, as of the end of September 2025, its corporate real estate loan balance stood at CNY 226.991 billion, a decrease of CNY 18.228 billion from the end of the previous year.

Breakdowns include: - Real estate development loans totaled CNY 70.207 billion, accounting for 2.1% of the total principal of loans and advances. All loans are secured with effective collateral, with an average collateralization rate of 40.4%. About 97.6% of these loans are distributed in urban areas of first- and second-tier cities, as well as the Greater Bay Area and Yangtze River Delta regions. - Operating property loans, M&A loans, and others amounted to CNY 156.784 billion, primarily backed by mature properties, with an average collateralization rate of 54.8%. Approximately 91.0% of these loans are concentrated in urban areas of first- and second-tier cities, the Greater Bay Area, and the Yangtze River Delta.

Ping An Bank stated that as of the end of September 2025, the non-performing loan (NPL) ratio for its corporate real estate loans was 2.20%, up 0.41 percentage points from the end of the previous year. The increase was mainly attributed to external market conditions, as the real estate sector continues its stabilization process amid prolonged sales cycles and liquidity pressures for some developers. The bank emphasized that it has prudently set aside provisions, ensuring overall risk remains controllable.

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

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The bank emphasized that it has prudently set aside provisions, ensuring overall risk remains controllable.</p>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Ping An Bank: Prudent Provisioning in Place, Overall Risk of Real Estate Loan Exposure Under Control</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nPing An Bank: Prudent Provisioning in Place, Overall Risk of Real Estate Loan Exposure Under Control\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1039043262\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/8296859682db4b478146245e72de1922);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Deep News </p>\n<p class=\"h-time\">2025-11-19 16:01</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>On November 19, financial news reported that Ping An Bank Co., Ltd. released investor relations management information. According to the bank's investor activity records, as of the end of September 2025, its corporate real estate loan balance stood at CNY 226.991 billion, a decrease of CNY 18.228 billion from the end of the previous year.</p>\n<p>Breakdowns include:  \n- Real estate development loans totaled CNY 70.207 billion, accounting for 2.1% of the total principal of loans and advances. All loans are secured with effective collateral, with an average collateralization rate of 40.4%. About 97.6% of these loans are distributed in urban areas of first- and second-tier cities, as well as the Greater Bay Area and Yangtze River Delta regions.  \n- Operating property loans, M&A loans, and others amounted to CNY 156.784 billion, primarily backed by mature properties, with an average collateralization rate of 54.8%. 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The bank emphasized that it has prudently set aside provisions, ensuring overall risk remains controllable.</p>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"IE00B0JY6N72.USD","symbol_name":"PINEBRIDGE GLOBAL EMERGING MARKETS FOCUS EQUITY \"A\" (USD) ACC","start_time":0,"source_url":"","article_id":"1185026062","we_media_id":"1039043262","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=1185026062","pubTimestamp":1763539271,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Deep News","introduction":"Global Stock Market Deep Analysis","home_visible":1,"id":"1039043262","head_image":"https://community-static.tradeup.com/news/8296859682db4b478146245e72de1922"},"summary":"On November 19, financial news reported that Ping An Bank Co., Ltd. released investor relations management information. 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According to the bank's investor activity records, as of the end of September 2025, its corporate real estate loan balance stood at CNY 226.991 billion, a decrease of CNY 18.228 billion from the end of the previous year.\nBreakdowns include:  \n- Real estate development loans totaled CNY 70.207 billion, accounting for 2.1% of the total principal of loans and advances. All loans are secured with effective collateral, with an average collateralization rate of 40.4%. About 97.6% of these loans are distributed in urban areas of first- and second-tier cities, as well as the Greater Bay Area and Yangtze River Delta regions.  \n- Operating property loans, M&A loans, and others amounted to CNY 156.784 billion, primarily backed by mature properties, with an average collateralization rate of 54.8%. Approximately 91.0% of these loans are concentrated in urban areas of first- and second-tier cities, the Greater Bay Area, and the Yangtze River Delta.\nPing An Bank stated that as of the end of September 2025, the non-performing loan (NPL) ratio for its corporate real estate loans was 2.20%, up 0.41 percentage points from the end of the previous year. The increase was mainly attributed to external market conditions, as the real estate sector continues its stabilization process amid prolonged sales cycles and liquidity pressures for some developers. 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