Ping An Bank Says Net Interest Margin Has Basically Stabilized in 2025; Operations to "Return to Growth" in 2026

WealthCoffee · 2026-03-24T14:04:55+00:00

Ping An Bank's retail business has essentially stabilized, and its corporate banking operations are developing in synergy. The bank plans to see a performance rebound by 2026. Although revenue and net profit are expected to decline in 2025, some efficiency metrics are showing improvement.

WealthCoffee

2026-03-24 14:04:55

Abstract generation in progress

[Caixin] Ping An Bank (000001.SZ) has basically completed the bottoming out of its retail business and achieved coordinated development in its corporate business. The bank plans to stabilize and improve its performance by 2026.

On March 23, Ji Guangheng, Secretary of the Party Committee and President of Ping An Bank, stated at the 2025 annual performance release that during the past two and a half years of strategic reform, Ping An Bank accurately grasped the macroeconomic trends and adjusted its strategies in a timely manner. Currently, the bank’s reform has entered the “deep water zone,” with overall completion exceeding 70%.

Ji Guangheng mentioned that although 2025 was a very difficult year for Ping An Bank, with revenue and net profit indicators still showing negative growth, some efficiency metrics have gradually improved, especially in the second half of the year and in the fourth quarter.

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