Ping An Bank reports steady performance in Q3 2025 despite economic shifts

For the nine months ended September 30, 2025, Ping An Bank reported an operating income of 100,668 million yuan, a 9.8% year-on-year decrease, and a net profit of 38,339 million yuan, a 3.5% decline. The net interest margin (NIM) was 1.79%, down 14 basis points from the previous year, influenced by declining loan interest rates. Total assets reached 5,766,764 million yuan, with loans and advances to customers increasing by 1.3% to 3,417,753 million yuan.

The bank maintained stable asset quality, with the non-performing loan (NPL) ratio at 1.05%, a slight decrease of 0.01 percentage point from the end of last year, and a provision coverage ratio of 229.60%. Deposits from customers saw a 0.6% increase to 3,554,955 million yuan. The bank also strengthened its capital position, with the capital adequacy ratio at 13.48%, up 0.37 percentage point from the end of last year.

Strategic initiatives included optimizing asset structure to support the real economy, with corporate loans growing by 5.1%. The bank also enhanced digital finance capabilities, with Ping An Pocket Bank APP registered customers reaching 180,297.4 thousand, and launched 30 bn yuan in green financial bonds to support green industrial projects.