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Organizational restructuring & strategy shift组织架构调整与战略转型
9 · 2024-01-05 → 2025-07-23
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Ping An Bank restructured from 4 divisions to 6 blocks, cut head-office departments from 43 to 32, and shifted strategy to 'retail stronger, corporate refined, interbank specialized'.平安银行将四大板块调整为六大板块，总行部门从43个精简至32个，战略转向'零售做强、对公做精、同业做专'。
2024-01-05Ping An Bank denied rumors of 40% layoffs after a 30% cut in early 2023, stating it is impossible; total bank restructuring and department head adjustments are underway.平安银行否认在2023年初裁员30%后再裁员40%的传闻，称不可能；总行架构改革和部门负责人调整正在进行。
2024-01-15Ping An Bank held its 2024 annual work conference, emphasizing organizational restructuring, the strategy of 'strengthen retail, refine corporate, specialize interbank', and branch autonomy.平安银行召开2024年全行工作会议，强调架构改革、“零售做强、对公做精、同业做专”战略方针及做实分行自主经营。
2024-03-15Ping An Bank announced a strategic shift from 'technology-led, retail breakthrough, corporate banking refined' to 'retail stronger, corporate banking refined, interbank specialized', and completed a major organizational restructuring from 4 divisions to 6 blocks, cutting total head-office departments from 43 to 32.平安银行宣布战略方针从“科技引领、零售突破、对公做精”调整为“零售做强、对公做精、同业做专”，并完成组织架构调整，从四大板块改为六大板块，总行部门从43个精简至32个。
2024-06-07Ping An Bank stated it has no restructuring plan, responding to investor query.平安银行回应投资者称未进行重组，无相关应披露未披露信息。
2024-08-16Held 2024 interim业绩发布会; President Ji Guangheng stated that the strategic reform has achieved initial results, the organizational restructuring at the head office level has been basically completed, and the bank will continue to deepen the reform.召开2024年中期业绩发布会，行长冀光恒表示本轮战略改革达到预期，总行层面架构调整基本完成，将继续深化改革。
2024-08-16Board Secretary Zhou Qiang responded that the relocation of some employees from Shanghai to Shenzhen was for management efficiency, not layoffs or salary cuts, and a humane compensation plan was provided.董秘周强回应上海员工回迁深圳事件，称目的是加强管理、提升效率，并非裁员降薪，并提供了人性化补偿方案。
2025-01-10Ping An Bank's new president Ji Guangheng, who took office in June 2023, has completed the organizational restructuring to strengthen head-office empowerment and branch autonomy.平安银行行长冀光恒于2023年6月任职，已完成组织架构改革，强化总行赋能和分行自主经营。
2025-07-18Ping An Bank holds mid-year work meeting; President Ji Guangheng states retail transformation, corporate replenishment, credit acceleration, deposit optimization, NPL recovery, and quality improvement are progressing; retail credit reform and credit card revamp are underway.平安银行召开年中工作会议，行长冀光恒表示零售转型、对公补位、加快投放、优化负债、加大清收、提升质量六项重点工作取得阶段性成果，推进零售信贷改革和信用卡重塑。
2025-07-23Ping An Bank Guangzhou branch holds anti-'involution' competition meeting; over 200 attendees sign commitment letter, with all 2,000+ employees to sign.平安银行广州分行召开反“内卷式”竞争宣导会议，200多人现场签署承诺书，全行2000多名员工将全部签署。
Tech & digital innovation科技与数字化创新
10 · 2024-01-08 → 2025-10-31
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Ping An Bank won fintech awards, registered numerous software copyrights (AI, HarmonyOS, microservices), and deployed DeepSeek locally with 138 AI scenarios.平安银行获得金融科技奖项，登记多项软件著作权（AI、鸿蒙、微服务），本地部署DeepSeek并识别138个AI应用场景。
2024-01-08Ping An Bank won second prize for 'Digital Intelligent Operations' and third prize for 'Cloud-Native Application Development Platform' in the 2022 Financial Technology Development Awards by the People's Bank of China.平安银行申报的“数智化运营”项目荣获中国人民银行2022年度金融科技发展奖二等奖，“云原生应用开发平台”项目荣获三等奖。
2024-01-10Ping An Bank registered 6 new software copyrights, including intelligent outbound call system, intelligent due diligence system, RGBD face liveness detection system, face swap software, and branch salon platform.平安银行新注册6项软件著作权，包括智能外呼系统、智能尽调系统、RGBD人脸活检系统、换脸软件、网点沙龙平台等。
2024-01-12Ping An Bank registered a new software copyright for 'AI Customer Service and Agent Outbound Service Marketing Assistant Platform V1.0'.平安银行新注册《平安银行AI客服服务及坐席外呼服务营销辅助平台软件V1.0》软件著作权。
2024-07-17Ping An Bank registered a new software copyright for 'Ping An Pocket Bank System (HarmonyOS version) V6.22.0', bringing total new software copyrights in 2024 to 11, up 266.67% YoY.平安银行新注册《平安口袋银行系统（鸿蒙版）V6.22.0》软件著作权，2024年以来新注册软件著作权11个，同比增长266.67%。
2024-08-02Registered software copyright for 'Ping An Intelligent Monitoring Platform Intelligent List Data Collaborative Collection System V1.0', with 12 new software copyrights registered year-to-date, up 300% YoY.新注册《平安智能监控平台智能清单数据协作收集系统V1.0》软件著作权，今年以来新注册12个，同比增加300%。
2024-12-12Ping An Bank registered new software copyright for 'Ping An Bank Distributed Microservice Framework Software V3.5.0'.平安银行新注册《平安银行分布式微服务框架软件V3.5.0》软件著作权。
2024-12-12Ping An Bank registered new software copyright for 'Ping An Bank Commercial Bank Risk Intelligent Control Software V1.0'.平安银行新注册《平安银行商业银行风险智能管控软件V1.0》软件著作权。
2025-01-07The 'Ping An Tianshu Zhituo AI Business Assistant' jointly submitted by Ping An Technology, Ping An Property & Casualty, and Ping An Bank was selected as an outstanding case in the CCF Digital Finance Outstanding Cases.由平安科技、平安产险和平安银行联合申报的《平安天枢智拓赋能金融业务数智化转型》(AI经营助理)入选CCF数字金融优秀案例。
2025-03-17Ping An Bank CFO Xiang Youzhi stated at the performance briefing that the bank has deployed DeepSeek locally and identified 138 AI application scenarios to accelerate digital finance.平安银行副行长兼首席财务官项有志在业绩会上表示，已对DeepSeek进行本地化部署，梳理出138个AI应用场景，加紧布局。
2025-10-31Ping An Bank registered software copyright for 'Distributed Microservice Middleware Software V3.7.1'.平安银行新注册《平安银行分布式微服务中间件软件V3.7.1》软件著作权。
Executive changes & appointments高管变动与任命
70 · 2024-01-16 → 2026-06-25
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Multiple executive resignations, appointments, and transfers across head office and branches, including VP Ju Weiping, CIO Tang Jiacai, and new VP Fang Weihao.总行及分行多位高管辞职、任命和调任，包括副行长鞠维萍、首席信息官唐家才、新任副行长方蔚豪。
2024-01-16Ping An Bank announced that Vice President Ju Weiping resigned due to work reasons, holding 30,000 shares; he will not hold any position in the bank or its subsidiaries.平安银行公告副行长鞠维萍因工作原因辞职，持有3万股；辞任后不在本行及控股子公司任职。
2024-01-23The Cangzhou branch of Ping An Bank received regulatory approval for Shi Jianping to assume the role of branch president, effective within 3 months.国家金融监督管理总局沧州监管分局批准时建平任平安银行沧州分行行长，须在3个月内到任。
2024-02-08Shi Feng was approved by the Shenzhen Financial Regulatory Bureau to serve as Vice President of the Auto Consumer Finance Center of Ping An Bank.石锋获国家金融监督管理总局深圳监管局批准任职平安银行汽车消费金融中心副总裁。
2024-02-21Ping An Bank's President Special Assistant for retail business Cai Xinfa resigned; Zhang Zhaohui, former Shanghai branch president, took over retail operations.平安银行行长特别助理蔡新发离职，原上海分行行长张朝晖接替分管零售业务。
2024-02-29Li Yue was approved by the Zhejiang Financial Regulatory Bureau to serve as President of Ping An Bank Hangzhou Branch.李跃获国家金融监督管理总局浙江监管局批准担任平安银行杭州分行行长。
2024-03-06The National Financial Regulatory Administration (NFRA) Zhejiang Bureau approved Li Yue's qualification as president of Ping An Bank Hangzhou Branch.国家金融监督管理总局浙江监管局核准李跃的平安银行杭州分行行长任职资格。
2024-03-07The NFRA approved Fu Xin's qualification as a director of Ping An Bank.国家金融监督管理总局核准付欣平安银行董事任职资格。
2024-03-11Former Ping An Bank President Special Assistant Cai Xinfa left to join Guangdong Huaxing Bank as Vice President in charge of retail business.原平安银行行长特别助理蔡新发离职，出任广东华兴银行副行长，主管零售业务。
2024-03-15Ping An Bank held its 2023 annual results conference; new management team led by President Ji Guangheng debuted, including Vice Presidents Yang Zhiqun and Xiang Youzhi, and Assistant President Zhang Zhaohui.平安银行召开2023年度业绩发布会，行长冀光恒率领新管理层首次正式亮相，包括副行长杨志群、项有志，行长助理张朝晖等。
2024-03-15Ping An Bank announced it will focus on recruiting young talent, making fresh graduates the main talent entry point, and will rotate head-office cadres to branch positions.平安银行宣布将重点选拔年轻人才，以应届生作为未来人才主要入口，并推动总行干部轮岗至分行。
2024-04-02National Financial Regulatory Administration approved Wu Leiming as Assistant President and Chief Risk Officer of Ping An Bank.国家金融监督管理总局核准吴雷鸣担任平安银行行长助理、首席风险官。
2024-04-08Ping An Bank's Assistant President and Chief Information Officer Tang Jiacai resigned; sources say he may join another major joint-stock bank as CIO.平安银行行长助理、首席信息官唐家才提出辞职，据悉可能加入另一家大型股份制银行担任首席信息官。
2024-05-14National Financial Regulatory Administration approved Pan Min as independent director of Ping An Bank.国家金融监督管理总局核准潘敏担任平安银行独立董事的任职资格。
2024-06-06Qi Mingrong approved as president of Ping An Bank Sanya Branch by the National Financial Regulatory Administration (NFRA) Sanya Office.戚明荣获国家金融监督管理总局三亚监管分局核准担任平安银行三亚分行行长。
2024-06-12Lin Jie approved as vice president of Ping An Bank Zhangzhou Branch by NFRA Zhangzhou Office.林捷获国家金融监督管理总局漳州监管分局核准担任平安银行漳州分行副行长。
2024-06-17Wang Xiaoliang approved as president of Ping An Bank Jining Branch by NFRA Jining Office.王晓亮获国家金融监督管理总局济宁监管分局核准担任平安银行济宁分行行长。
2024-07-03Former Ping An Bank Private Banking Wealth Management President Hong Shuai joined Industrial Bank as the proposed general manager of its private banking department, pending regulatory approval.原平安银行私行财富事业部总裁洪帅入职兴业银行，拟任兴业银行私人银行部总经理，任职资格尚待监管核准。
2024-07-19External supervisor Wang Songqi of Ping An Bank's 11th Supervisory Board passed away due to illness.平安银行第十一届监事会外部监事王松奇因病逝世。
2024-07-22Deng Zhi was approved by Hunan Financial Regulatory Bureau to serve as assistant to the president of Ping An Bank Changsha Branch.湖南金融监管局核准邓智任职平安银行长沙分行行长助理。
2024-08-01Approved Li Xiang as vice president of Ping An Bank Yueyang Branch by the Yueyang Regulatory Office of the National Financial Regulatory Administration.国家金融监督管理总局岳阳监管分局核准李向任平安银行岳阳分行副行长。
2024-08-07Approved Li Ni as assistant to the president of Ping An Bank Leshan Branch by the Leshan Regulatory Office of the National Financial Regulatory Administration.国家金融监督管理总局乐山监管分局核准黎妮任平安银行乐山分行行长助理。
2024-08-08Approved Kong Wei as president of Ping An Bank Huzhou Branch by the Huzhou Regulatory Office of the National Financial Regulatory Administration.国家金融监督管理总局湖州监管分局核准孔伟任平安银行湖州分行行长。
2024-08-14Approved Li Maomao as vice president of Ping An Bank Mianyang Branch by the Mianyang Regulatory Office of the National Financial Regulatory Administration.国家金融监督管理总局绵阳监管分局核准李茂茂任平安银行绵阳分行副行长。
2024-08-29Approved Li Zheng as president of Ping An Bank Honghe Branch by the Honghe Regulatory Office of the National Financial Regulatory Administration.国家金融监督管理总局红河监管分局核准李征任平安银行红河分行行长。
2024-09-15Sun Fangtao approved by National Financial Regulatory Administration as Chief Information Officer of Ping An Bank.孙芳滔获国家金融监督管理总局批准担任平安银行首席信息执行官。
2024-09-20Xue Feng approved as Assistant to President of Ping An Bank Wenzhou Branch by Zhejiang Regulatory Bureau of National Financial Regulatory Administration.薛峰获国家金融监督管理总局浙江监管局批准任平安银行温州分行行长助理。
2024-09-30Guo Xiaotao approved by National Financial Regulatory Administration as non-executive director of Ping An Bank.郭晓涛获国家金融监督管理总局核准担任平安银行非执行董事。
2024-10-07National Financial Regulatory Administration approved Guo Xiaotao as director of Ping An Bank.国家金融监督管理总局核准郭晓涛担任平安银行董事。
2024-10-07Non-executive director Chen Xinying resigned due to work reasons, effective immediately.非执行董事陈心颖因工作原因辞职，即日生效。
2024-10-11Former head of Ping An Bank Credit Card Center, Liu Xianfeng, is under investigation by external authorities for personal reasons.平安银行信用卡中心原负责人刘显峰因个人原因正接受外部有关单位调查。
2024-10-14Cao Yongzhi approved as assistant to general manager of Ping An Bank Guiyang Branch by Guizhou regulatory authority.贵州监管局核准曹永智平安银行贵阳分行行长助理任职资格。
2024-11-15Former Ping An Bank President Special Assistant Cai Xinfa left the bank and joined AIA Group as Chief Innovation Officer, reporting to CEO Lee Yuan Siong.原平安银行行长特别助理蔡新发离职，加盟友邦保险集团出任首席创新官，向CEO李源祥汇报。
2024-12-04Hu Yuefei resigned as chairman of Ping An Wealth Management Co., Ltd. due to age, effective November 18, 2024.胡跃飞因年龄原因辞去平安理财有限责任公司董事长职务，辞职报告于2024年11月18日提交。
2024-12-27Zhang Shen, general manager of Ping An Bank Retail Risk Management Department and concurrently risk director of Ping An Credit Card, resigned, related to the head office restructuring earlier this year.平安银行零售风险管理部总经理兼平安信用卡风险总监张慎离职，与今年上半年总行架构调整有关。
2024-12-31Ping An Bank副行长 Yang Zhiqun received the highest supplementary payment of 2.6995 million yuan for 2023 salary among multiple listed banks' executives.平安银行副行长杨志群补发2023年度工资269.95万元，为多家上市银行高管中补发金额最高。
2025-03-04Ping An Bank's Shenzhen branch president Wang Jun was promoted to general manager assistant of the head office, in charge of retail business; head office general manager assistant Zhang Zhaohui was transferred to concurrently serve as Shenzhen branch president, no longer in charge of retail.平安银行深圳分行行长王军拟升任总行行长助理，分管零售业务；总行行长助理张朝晖调任兼任深圳分行行长，不再分管零售条线。
2025-03-21Ping An Bank's board of directors appointed Fang Weihao as vice president of the bank.平安银行董事会聘任方蔚豪为平安银行副行长。
2025-03-24Ping An Bank plans to reassign newly appointed VP Fang Weihao to head the corporate banking line, while current corporate banking VP Yang Zhiqun will be transferred to Beijing as president of Beijing branch.平安银行拟安排新任副行长方蔚豪出掌对公条线，现任对公副行长杨志群将调任北京分行行长。
2025-03-25Ping An Bank Shanxi Regulatory Bureau approved Song Xuezhi's qualification as deputy president of Ping An Bank Taiyuan branch.山西监管局核准宋学志平安银行太原分行副行长的任职资格。
2025-05-06Approved Gao Wei as branch manager of Ping An Bank Zhanjiang Branch.核准高伟担任平安银行湛江分行行长。
2025-05-13Wu Haoyue transferred from Dalian deputy GM to HQ inclusive finance deputy GM; Li Weijie from Qingdao branch GM to HQ corporate business dept; Zhu Wei nominated as Nanjing deputy GM.武皓月从大连分行副行长调任总行普惠金融部副总经理；李伟杰从青岛分行行长调任总行公司业务管理部；朱嵬拟任南京分行副行长。
2025-05-23Approved Yu Feng as assistant GM of Ping An Bank Taiyuan Branch.核准余凤担任平安银行太原分行行长助理。
2025-05-27China Ping An appointed Wang Xin as party secretary of Ping An Trust, replacing Fang Weihao; Wang to become chairman pending approval.中国平安任命王欣为平安信托党委书记，接替方蔚豪；待任职资格获批后出任董事长。
2025-06-03Beijing regulator approved Li Bin as assistant to the president of Ping An Bank Beijing branch.北京监管局核准李斌任平安银行北京分行行长助理。
2025-06-10Chongqing regulator approved Li Zhi as vice president of Ping An Bank Chongqing Free Trade Zone sub-branch.重庆监管局核准李智任平安银行重庆自贸试验区分行副行长。
2025-06-11Ping An Bank reshuffled key branch presidents: Zhang Chaohui (Shenzhen), Yang Zhiqun (Beijing), Wang Kai (Guangzhou).平安银行上半年三大重点分行换帅：张朝晖任深圳分行行长，杨志群任北京分行行长，王恺任广州分行行长。
2025-06-26National Financial Regulatory Administration approved Fang Weihao as vice president of Ping An Bank.国家金融监督管理总局核准方蔚豪任平安银行副行长。
2025-07-03Ping An Bank appoints Mei Shi as assistant president of Shenzhen branch; Zhang Chaohui no longer oversees retail, concurrently serves as Shenzhen branch president; Wang Jun promoted to assistant president of head office, overseeing retail.梅石出任平安银行深圳分行行长助理；张朝晖不再分管零售条线，兼任深圳分行行长；王军提任总行行长助理，分管零售业务。
2025-07-25Ping An Bank appoints new general managers for head office Basic Retail Department and Risk Management Department; multiple local branch presidents and vice presidents adjusted, including Nanjing branch vice president Zhu Wei approved.平安银行总行基础零售部、风险管理部迎新总经理，多家地方分行行长、副行长调整，朱嵬南京分行副行长任职资格获核准。
2025-08-19Fan Li was approved by Sichuan NFRA as Vice President of Ping An Bank Chengdu Branch.四川金融监管局核准樊丽平安银行成都分行副行长的任职资格。
2025-10-24Ping An Bank's board nominated 13 candidates for the 13th board of directors, including Xie Yonglin, Guo Xiaotao, Fu Xin, Cai Fangfang as non-executive directors, and Wu Zhipan, Liu Feng, Pan Min, Wu Zongmin, Zhang Jie as independent directors.平安银行董事会提名第十三届董事会13名候选人，包括谢永林、郭晓涛、付欣、蔡方方为非执行董事，吴志攀、刘峰、潘敏、吴宗敏、张杰为独立董事。
2025-11-05Ping An Bank appointed Song Jing as Deputy General Manager of the Asset Custody Department; Huang Wei was removed from the same position (acting head).平安银行聘任宋菁为资产托管部副总经理；黄伟不再担任资产托管部副总经理（主持工作）职务。
2025-11-28Ping An Bank's 12th Board of Directors 45th meeting nominated Yang Yunjie as independent director candidate for the 13th Board, subject to regulatory approval; also approved amendments to the Articles of Association (including abolishing the Board of Supervisors) and called an EGM on Dec 16, 2025.平安银行第十二届董事会第四十五次会议提名杨运杰为第十三届董事会独立董事候选人（须监管核准），审议通过《公司章程》修订（包括撤销监事会），并决定于2025年12月16日召开临时股东会。
2025-12-16Ping An Bank's 13th Board of Directors elected Xie Yonglin as Chairman and appointed Wu Leiming as Chief Compliance Officer (subject to NFRA approval).平安银行第十三届董事会选举谢永林为董事长，聘任吴雷鸣为首席合规官（须报国家金融监督管理总局核准）。
2026-01-26Ping An Bank elects Gao Peng as employee-representative director on the 13th board; his qualification is subject to NFRA approval, effective until the board's term ends.平安银行选举高鹏为第十三届董事会职工董事，任职资格待国家金融监督管理总局核准后生效，任期至董事会届满。
2026-03-05Wu Leiming's appointment as Chief Compliance Officer of Ping An Bank was approved by the National Financial Regulatory Administration (NFRA).国家金融监督管理总局核准吴雷鸣担任平安银行首席合规官的任职资格。
2026-03-10Wang Xiasen was approved as Assistant President of Ping An Bank Zhangzhou Branch by the Zhangzhou Financial Regulatory Sub-Bureau.漳州金融监管分局核准王夏森平安银行漳州分行行长助理的任职资格。
2026-03-17Zhang Jie's appointment as Independent Director of Ping An Bank was approved by the National Financial Regulatory Administration (NFRA).国家金融监督管理总局核准张杰担任平安银行独立董事的任职资格。
2026-03-20Ping An Bank's board approved the appointment of Wu Leiming as Vice President, subject to regulatory approval.平安银行董事会审议通过聘任吴雷鸣为副行长，任职资格尚待监管核准。
2026-03-25Yang Yunjie's appointment as Independent Director of Ping An Bank was approved by the National Financial Regulatory Administration (NFRA).国家金融监督管理总局核准杨运杰担任平安银行独立董事的任职资格。
2026-03-26Zhu Jing was approved as President of Ping An Bank Huanggang Branch by the Huanggang Financial Regulatory Sub-Bureau.黄冈金融监管分局核准朱静平安银行黄冈分行行长的任职资格。
2026-04-20Ping An Bank issued a statement denying rumors of management changes, confirmed team stability, and reported the matter to police.平安银行发布声明否认管理层变动谣言，确认经营团队稳定，并已向公安机关报案。
2026-05-21Regulator approved Feng Yebin as Assistant President of Ping An Bank Liuzhou Branch.监管核准冯业斌平安银行柳州分行行长助理的任职资格。
2026-05-22Regulator approved Xu Bin as President of Ping An Bank Huzhou Branch.监管核准徐斌平安银行湖州分行行长的任职资格。
2026-05-27Ping An Bank Changsha Branch appointed a new president from the credit card center; multiple deputy general managers at head office retail and risk departments, as well as several branch presidents and vice presidents, were reshuffled.平安银行长沙分行新任行长来自信用卡中心；总行零售、风险多部门副总及多家分行行长、副行长出现变动。
2026-05-30National Financial Regulatory Administration Liangjiang branch approved Yin Yu (殷宇) as president of Ping An Bank Chongqing Free Trade Pilot Zone Sub-branch.两江监管分局核准殷宇任平安银行重庆自贸试验区分行行长。
2026-06-03Former Ping An Bank Changsha Branch president Deng Hong (邓红) joined Tianfeng Securities (601162.SH) as proposed vice president.原平安银行长沙分行行长邓红加盟天风证券（601162.SH），拟任副总裁。
2026-06-05National Financial Regulatory Administration Nanyang branch approved Yang Yunfan (杨云帆) as president of Ping An Bank Nanyang Branch.国家金融监督管理总局南阳监管分局核准杨云帆任平安银行南阳分行行长。
2026-06-24Ping An Bank appointed Song Zhuo (宋卓) as general manager of the Asset Custody Department.平安银行聘任宋卓为资产托管部总经理。
2026-06-25National Financial Regulatory Administration approved Wu Leiming (吴雷鸣) as vice president of Ping An Bank.国家金融监督管理总局核准吴雷鸣任平安银行副行长。
Real estate financing & risk management房地产融资与风险管理
9 · 2024-01-16 → 2026-04-14
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Ping An Bank supported real estate via white-list projects, urban renewal loans, and credit lines to developers, while managing exposure to Vanke and Cifi defaults.平安银行通过白名单项目、城市更新贷款和开发商授信支持房地产，同时管理对万科和旭辉的风险敞口。
2024-01-16Ping An Bank included 41 developers including Vanke, Poly, Longfor, and Gemdale in a list for financing support, responding to the central financial work conference to support real estate.平安银行将万科、保利、龙湖、金地等41家开发商列入可获融资支持名单，响应中央金融工作会议支持房地产。
2024-02-19Ping An Bank's board approved a new CNY 8 billion comprehensive credit line to Ping An Real Estate Co., Ltd., with a 1-year term, constituting a related-party transaction.平安银行董事会审议通过向平安不动产有限公司新增80亿元人民币综合授信额度，期限1年，构成关联交易。
2024-02-19Ping An Bank established a special working group for the urban real estate financing coordination mechanism, having engaged over 1,300 projects and accelerated credit assessment and approval.平安银行成立房地产融资协调机制专项工作小组，已对接超1300个项目，加快项目评估和授信审批。
2024-03-01Ping An Bank Zhengzhou Branch completed a 1 billion yuan syndicated loan for a village-in-city redevelopment project under the real estate financing coordination mechanism, its first such urban renewal loan.平安银行郑州分行完成白名单内城中村改造项目10亿元银团授信，是其首笔房地产融资协调机制下城市更新银团贷款。
2024-03-15Ping An Bank management stated at the results conference that the bank's cooperation with Vanke is focused on high-quality regions and projects, and the overall risk is controllable.平安银行管理层在业绩发布会上表示，与万科的合作聚焦优质区域和项目，整体风险可控。
2024-04-23Ping An Bank Zhengzhou Branch led a RMB 1 billion syndicated loan for a mixed-ownership urban renewal project, with first disbursement of RMB 48.75 million under the real estate coordination mechanism.平安银行郑州分行牵头为混合所有制企业城市更新项目提供10亿元银团授信，首批放款4875万元，为房地产融资协调机制下首笔新增投放。
2024-04-30Cifi Group subsidiary Beijing Shengchuang Real Estate defaulted on a RMB 120 million loan from Ping An Bank Beijing Branch due to project delays.旭辉集团子公司北京盛创置业未能按期偿还平安银行北京分行1.2亿元贷款，因项目运营不及预期。
2024-08-16President Ji Guangheng said the bank will increase support and investment in real estate, actively participate in the 'white list' coordination mechanism, and treat all enterprises equally.行长冀光恒表示将加大对房地产的支持和投入力度，积极参与协调机制白名单，一视同仁满足不同所有制企业合理需求。
2026-04-14Ping An Bank's real estate exposure: corporate real estate loans 210.2 billion yuan at end-2025, down 35 billion YoY; NPL ratio rose due to market downturn, but management says peak risk generation has passed.平安银行涉房业务：2025年末对公房地产贷款余额2102亿元，较上年减少350亿元；不良率因市场下行上升，但管理层称风险生成高峰期已过。
Strategic partnerships & alliances战略合作与联盟
8 · 2024-01-18 → 2026-03-06
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Ping An Bank signed strategic agreements with Alibaba Assets, Yonyou Network, Beijing Asset Management, and 58.com Group for digital models and asset disposal.平安银行与阿里资产、用友网络、北京资产管理、58同城等签署战略协议，探索数字化模式和资产处置。
2024-01-18Ping An Bank signed a strategic cooperation agreement with Alibaba Assets to explore digital models for loan management, asset disposal, and financing allocation, focusing on court-auction loan business.平安银行与阿里资产签署战略合作协议，共同探索贷款管理、资产处置、融资配置数字化新模式，聚焦法拍贷款业务。
2024-03-02Ping An Bank signed a strategic partnership with Yonyou Network at the 2024 Yonyou Global Ecosystem Conference to jointly develop and launch 15 Yonyou BIP ISV native products.平安银行在2024用友全球生态大会上与用友网络签署战略合作，联合发布15款用友BIP ISV原生开发产品。
2024-07-29Ping An Bank signed a strategic cooperation agreement with Beijing Asset Management Co., Ltd. to collaborate on special asset disposal, restructuring, and revitalization.平安银行与北京资产管理有限公司签署战略合作协议，在特殊资产处置、重组、盘活等方面加强合作。
2024-08-20Strategic Customer Department General Manager Jiang Shan visited the National Development and Reform Commission's Urban and Small Town Reform and Development Center to discuss cooperation in new urbanization, smart cities, and financial services.总行战略客户部总经理姜山一行到访国家发改委城市和小城镇改革发展中心，就新型城镇化、智慧城市及金融服务等领域合作进行交流。
2025-07-17Ping An Bank and 58.com Group discuss deepening strategic cooperation, including M&A syndicated loan, enterprise health commission, employee benefits, cash management, and wealth management services.平安银行与58同城集团交流深化银企战略合作，商讨并购银团项目、企康委托与员工福利方案、现金管理与理财服务等。
2025-08-13Ping An Bank held strategic cooperation talks with 58.com Group (led by CEO Yao Jinbo) on M&A syndicated loans, cash management, employee benefits, and enterprise health management.平安银行与58同城集团（CEO姚劲波带队）就并购银团、现金管理、员工福利及企业健康管理等达成战略合作洽谈。
2025-11-19Ping An Bank signed a strategic cooperation agreement with Hainan Development Holdings Co., Ltd., becoming its first total-bank strategic partner in Hainan, covering comprehensive credit, transaction settlement, retail & tech finance, and industrial synergy.平安银行与海南省发展控股有限公司签署战略合作协议，成为其在海南的首个总行战略合作伙伴，合作领域包括综合授信、交易结算、零售及科技金融、产业协同等。
2026-03-06Ping An Bank's Financial Interbank Department General Manager Liu Chunling visited Industrial Securities to discuss deepening securities-bank cooperation in areas including credit, bonds, derivatives, and wealth management products.平安银行金融同业部总经理刘春玲到访兴业证券，双方围绕授信、债券、衍生品、财富产品等银证合作深化展开座谈。
Credit card product launches & revamps信用卡产品发布与升级
18 · 2024-01-18 → 2026-06-18
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Ping An Bank launched co-branded cards (Amex, Luckin, Pizza Hut), upgraded protections, and discontinued legacy products like CSL-themed cards.平安银行推出联名卡（美国运通、瑞幸、必胜客），升级保障体系，并停发中超主题卡等旧产品。
2024-01-18Ping An Bank launched the 'Ping An Bank Youyue Platinum Credit Card' in partnership with American Express, offering business travel and lifestyle benefits with three versions.平安银行携手美国运通推出平安银行悠悦白金信用卡，提供商旅出行与品质生活权益，分三个版本。
2024-08-12Credit card center announced cessation of new issuance for six credit card products, including Ping An Bank Haochezhu Platinum Card Yaoxiang Edition, due to product upgrade and restructuring.信用卡中心宣布因产品全面升级优化与结构调整，停止新增发行六款信用卡产品，包括平安银行好车主白金卡耀享版等。
2024-11-08Ping An Bank will stop issuing the Chinese Super League themed card series of its 'Your Card' credit card from 2025.平安银行自2025年起将停止销售旗下由你信用卡的中超主题系列卡面。
2025-02-21Ping An Bank will stop issuing Ping An Bank Ctrip UnionPay Platinum Card and Ping An Bank Qunar Platinum Card from April 1, 2025, replacing them with Ping An Yuexiang Platinum Credit Card.平安银行自2025年4月1日起停发平安银行携程银联白金卡和平安银行去哪儿白金卡，换发为平安悦享白金信用卡。
2025-07-01Ping An Bank credit card launches overseas summer promotion with five major card organizations (UnionPay, Mastercard, Visa, Amex, JCB), offering exchange rate discounts, 12% off overseas spending, and 1% cashback, up to RMB 6,000 savings per month.平安银行信用卡联合五大国际卡组织（银联、万事达、Visa、运通、JCB）推出暑期出境游活动，提供汇率特惠、境外消费88折、笔笔返1%等权益，至高月省6000元。
2025-07-09Ping An Bank credit card wins 'Best Customer Loyalty/Reward Program in Asia Pacific' award from The Asian Banker for its 'Points Four Modernizations' project.平安银行信用卡凭借“积分四化建设”项目荣获《亚洲银行家》评选的“亚太区最佳客户忠诚度/客户奖励项目”大奖。
2025-08-27Visa Global SVP and Greater China President Yu Xueli visited Ping An Bank; both sides discussed Visa's global service model and Ping An's differentiated credit card benefits system integrating health and medical services.Visa全球高级副总裁兼大中华区总裁于雪莉到访平安银行，双方就Visa全球化服务模式及平安信用卡差异化权益体系（融入健康医养）进行交流。
2025-12-29Ping An Bank Credit Card and Luckin Coffee jointly launched the 'Ping An Bank Luckin Co-branded Credit Card'.平安银行信用卡与瑞幸咖啡联合推出“平安银行瑞幸联名信用卡”。
2026-01-06Ping An Bank and Luckin Coffee jointly launch the Ping An Bank Luckin Coffee co-branded credit card, offering coffee-related benefits and American Express network perks.平安银行与瑞幸咖啡联袂发布平安银行瑞幸咖啡联名信用卡，提供咖啡权益及美国运通网络礼遇。
2026-01-15Ping An Bank credit card enables Visa cardholders to bind to Apple Pay, launching a 'first swipe, get $5 back' promotion for overseas transactions.平安银行信用卡支持Visa信用卡绑定Apple Pay，并推出境外消费首刷返5美元活动。
2026-04-13Ping An Bank launched a co-branded credit card (UnionPay version) with Luckin Coffee and China UnionPay, targeting young consumers with coffee-related perks.平安银行携手瑞幸咖啡、中国银联推出联名信用卡（银联版），针对年轻消费者提供咖啡相关权益。
2026-05-03Ping An Bank Credit Card launched five major basic protections upgrade for all cardholders, covering card usage, travel, health, credit and service scenarios, leveraging Ping An Group's comprehensive financial advantages.平安银行信用卡面向所有持卡用户推出五大基础保障全面升级，覆盖用卡、出行、健康、信用和服务五大场景，依托平安集团综合金融优势。
2026-05-03Ping An Bank Credit Card issued the Year of the Horse zodiac customized product 'Sui Sui Ping An Jun Ma Credit Card', designed by artist Hu Yunfeng, using renewable material RPVC.平安银行信用卡发布了马年生肖定制产品'岁岁平安骏马信用卡'，由艺术家胡云峰设计，采用可再生材料RPVC制作。
2026-05-09Ping An Bank Credit Card launched the 'Ping An Bank Global Guardian Credit Card', integrating 'Ping An Global Emergency Rescue Service' across six scenarios: global emergency rescue, health management, medical treatment, health insurance, health consumption, and card usage.平安银行信用卡推出'平安银行全球守护信用卡'，整合'平安全球急难救援服务'，覆盖全球急难救援、健康管理、健康就医、健康保障、健康消费、健康用卡六大场景。
2026-05-18Ping An Bank Credit Card launched the nation's first 'sweet economy' themed credit card, 'Ping An Bank Sui Sui Ping An Credit Card (Sweet Edition)', in Shenzhen, targeting young couples and wedding-related consumption.平安银行信用卡在深圳发布全国首张甜蜜经济主题信用卡'平安银行岁岁平安信用卡（甜蜜版）'，面向年轻婚恋人群。
2026-06-01Ping An Bank launched the 'Ping An Pet Love Credit Card' (爱宠信用卡) in two versions (Platinum and Gold), with annual fees and customized card faces, targeting the pet economy.平安银行推出平安爱宠信用卡（白金卡和金卡），含年费和定制卡面，瞄准宠物经济。
2026-06-06Ping An Bank and Pizza Hut (必胜客) jointly launched the 'Ping An Pizza Hut Co-branded Credit Card' with rewards and 10x points for new users.平安银行与必胜客联合推出平安必胜客联名信用卡，含奖励和新户10倍积分。
2026-06-18Ping An Bank upgraded its 'Global Emergency Rescue Service' for high-end credit cards (annual fee ≥ RMB 600), covering 200+ countries with 17 services.平安银行升级高端信用卡（年费≥600元）全球急难救援服务，覆盖200+国家，含17项服务。
Regulatory penalties & fines监管处罚与罚款
29 · 2024-01-26 → 2026-06-22
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Ping An Bank and its branches were fined multiple times for loan management, corporate governance, and compliance violations, totaling tens of millions of yuan.平安银行及其分行因贷款管理、公司治理和合规问题多次被罚，累计金额数千万元。
2024-01-26Ping An Bank Fuzhou Cangshan Sub-branch was fined 400,000 yuan by the Fujian Financial Regulatory Bureau for inadequate pre-loan investigation and post-loan management of personal loans.平安银行福州仓山支行因个人贷款贷前调查不尽职、贷后管理不到位，被福建监管局罚款40万元。
2024-05-17Ping An Bank was fined a total of RMB 67.2398 million (head office RMB 60.7398 million, branches RMB 6.5 million) for five categories of violations including corporate governance, credit, interbank, and wealth management businesses.平安银行因公司治理与内部控制、信贷业务、同业业务、理财业务等五项违法违规事实，被没收违法所得并处罚款合计6723.98万元（总行6073.98万元，分支机构650万元）。
2024-06-28Shenzhen Securities Regulatory Commission issued a warning letter to Ping An Bank for illegally using free fund shares in fund sales.深圳证监局对平安银行采取出具警示函的行政监管措施，因其利用赠送基金份额形式开展基金销售业务。
2024-07-10Shanghai branch of Ping An Bank fined 1.5 million yuan for 'seriously imprudent working capital loan management' and 'inadequate employee conduct management'; former branch heads Leng Peidong and Yang Hua banned from banking for 10 years, Chen Yiming banned for 5 years.平安银行上海分行因‘流动资金贷款管理严重不审慎’和‘员工行为管理不到位’被罚款150万元；原行长冷培栋、杨华被禁业10年，陈一鸣被禁业5年。
2024-10-10Ping An Bank fined 67.2398 million yuan for multiple loan business violations.平安银行因多项贷款业务违规被罚款6723.98万元。
2024-11-20Ping An Bank Harbin Branch fined 900,000 yuan for inadequate post-lending management of working capital and personal loans, and for executives assuming posts without approval.平安银行哈尔滨分行因流动资金贷款及个人贷款贷后管理不到位、高管未经核准履职，被罚90万元。
2024-11-26Ping An Bank Kunming Branch fined 500,000 yuan for serious non-prudent loan investigation, approval, and post-lending checks.平安银行昆明分行因贷款“三查”严重不审慎，被罚50万元。
2024-12-17Ping An Bank Ningbo Branch was fined 300,000 yuan by the Ningbo Regulatory Bureau of the National Financial Regulatory Administration for inadequate代理销售 management.平安银行宁波分行因代理销售管理不到位，被国家金融监督管理总局宁波监管局罚款30万元。
2024-12-28Ping An Bank Wuxi Branch was fined 2.6 million yuan by Wuxi Financial Regulatory Bureau for multiple violations including employee behavior management failure,代销 supervision weakness, corporate loan review negligence, bill business trade background审查 deficiency, personal loan management loopholes, and inadequate cooperation loan intermediary management. Four responsible individuals were also fined.平安银行无锡分行因员工行为管理失控、代销业务监管不力、对公贷款审核不严、票据业务贸易背景审查缺失、个人贷款管理疏漏、合作贷款中介机构管理不到位等多项违规，被无锡金融监管分局罚款260万元，四名责任人被警告并罚款。
2025-03-12Ping An Bank was fined RMB 3 million by the Shanghai Financial Regulatory Bureau for serious violations of prudent operation rules in M&A loan management, wealth management business investment management, and fixed asset loan management; former executive Ran Xu was warned and fined RMB 100,000.平安银行因并购贷款管理、理财业务投资管理、固定资产贷款管理严重违反审慎经营规则，被上海金融监管局责令改正并罚款300万元；时任高管冉旭被警告并罚款10万元。
2025-04-24Ping An Bank Changzhou branch was fined 300,000 yuan by the Changzhou Financial Regulatory Bureau for inadequate due diligence on personal loans.平安银行常州分行因个人贷款“三查”不尽职被常州金融监管分局罚款30万元。
2025-04-25Ping An Bank Yangzhou branch was warned and fined 205,000 yuan by the People's Bank of China Yangzhou branch for violating financial statistics, account management, and network security regulations.平安银行扬州分行因违反金融统计、账户管理和网络安全管理规定，被中国人民银行扬州市分行警告并罚款20.5万元。
2025-05-22Anshan branch fined CNY 300,000 for inadequate post-lending management; client manager Xiang Dong warned.鞍山分行因贷后管理不到位被罚款30万元；客户经理向东被警告。
2025-07-25Ping An Bank Qingdao branch fined RMB 1.1 million by Qingdao Financial Regulatory Bureau for 'unsound corporate credit management and unsound personal loan management'.平安银行青岛分行因“对公信贷管理不审慎，个人贷款管理不审慎”被青岛金融监管局罚款110万元。
2025-08-06Ping An Bank's Auto Consumer Finance Center Xinxiang sub-center was fined RMB 500,000 by the NFRA Xinxiang office for issuing loans to ineligible borrowers and inadequate post-lending management; responsible person Xie was fined RMB 50,000.平安银行汽车消费金融中心新乡分中心因向不符合条件的借款人发放贷款及贷后管理不到位，被新乡金融监管分局罚款50万元，责任人谢某被警告并罚款5万元。
2025-10-02Ping An Bank Beijing Branch fined 2 million yuan by Beijing Financial Regulatory Bureau for improper deposit-taking; Wang Xiaolin banned from banking for life.平安银行北京分行因采取不正当手段吸收存款被北京金融监管局罚款200万元；王晓林被禁止终身从事银行业工作。
2025-10-13Ping An Bank Dongguan Shilong and Nancheng sub-branches fined total 450,000 yuan for false SME loan data and inadequate post-lending checks.平安银行东莞石龙支行和南城支行因小微企业贷款数据不真实及贷后检查不到位共被罚款45万元。
2025-10-17Ping An Bank Beijing Branch fined and confiscated total 5.4412 million yuan for improper lending and inadequate personal loan controls; five individuals penalized.平安银行北京分行因以不正当手段发放贷款、个贷管理不到位被罚没合计544.12万元，五名责任人受处罚。
2025-10-31Ping An Bank fined 18.8 million yuan by NFRA for imprudent management of internet lending and agency sales businesses; three individuals warned/fined.平安银行因互联网贷款、代销等业务管理不审慎被国家金融监管总局罚款1880万元；三名责任人被警告或罚款。
2025-11-03Ping An Bank was fined 18.8M yuan by the National Financial Regulatory Administration for imprudent management of internet loans and agency sales; Li Lihong and Zhuang Yan were warned and fined 100K yuan total; Li Lifan was warned.平安银行因互联网贷款、代销等业务管理不审慎，被国家金融监督管理总局罚款1880万元；李丽红、庄燕被警告并罚款合计10万元；李立凡被警告。
2025-11-21Ping An Bank Chengdu branch was fined 2.4M yuan by the Sichuan office of the National Financial Regulatory Administration for imprudent management of loans and bank acceptance bills; four individuals were warned and fined 260K yuan total.平安银行成都分行因贷款、银行承兑汇票等业务管理不审慎，被国家金融监督管理总局四川监管局罚款240万元；四名责任人被警告并罚款合计26万元。
2025-11-24Ping An Bank Haikou branch was fined 2M yuan and Sanya branch fined 250K yuan by the Hainan office of the National Financial Regulatory Administration for inadequate loan management.平安银行海口分行因贷款管理不尽职被罚200万元，三亚分行被罚25万元。
2025-12-27Ping An Bank Xuzhou Branch was fined RMB 700,000 by the Xuzhou Regulatory Office of NFRA for imprudent fixed-asset loan management and inadequate post-lending monitoring of personal loans; three individuals were warned.平安银行徐州分行因固定资产贷款管理不审慎、个人贷款贷后管理不尽职，被国家金融监督管理总局徐州监管分局罚款70万元，三名相关责任人被警告。
2026-01-29The Jingzhou branch of the National Financial Regulatory Administration (NFRA) issues a pre-penalty notice to Cui Wei, former president of Ping An Bank Jingzhou Branch, for his responsibility in an employee's forgery of a financial institution license and illegal opening of interbank accounts.国家金融监督管理总局荆州监管分局拟对平安银行荆州分行原行长崔巍予以警告，因其对原员工伪造金融机构经营许可证及违规开立异地同业账户问题负有责任。
2026-03-20Ping An Bank's Jingzhou Branch was fined RMB 1.05 million by the Jingzhou Financial Regulatory Sub-Bureau for inadequate pre- and post-loan management, misappropriation of loan funds, increasing customer financing costs, and poor employee conduct; four individuals were warned or banned.平安银行荆州分行因贷前调查和贷后管理不尽职、贷款资金被挪用、增加客户融资成本、员工行为管理不到位，被荆州金融监管分局罚款105万元，四名责任人被警告或禁业。
2026-04-07Ping An Bank Linyi Branch fined 300,000 yuan by NFRA Shandong for inadequate pre-loan due diligence; two customer managers warned.平安银行临沂分行因贷前调查不尽职被国家金融监督管理总局山东监管局罚款30万元，两名客户经理被警告。
2026-04-24Ping An Bank Harbin Branch fined 549,600 yuan by PBOC Heilongjiang for violating financial statistics rules, account management rules, and failing to conduct proper customer due diligence.平安银行哈尔滨分行因违反金融统计规定、账户管理规定、未按规定开展客户尽职调查，被中国人民银行黑龙江省分行警告并罚款54.96万元。
2026-05-03Ping An Bank's Auto Consumer Finance Center and its Jinan sub-center received regulatory fines for violations in vehicle mortgage loan business, including inadequate pre-loan investigation.平安银行汽车消费金融中心及济南分中心因车辆抵押贷款业务违规收到监管罚单，涉及贷前调查不尽职等行为。
2026-06-22Ping An Bank Shenzhen Branch was fined RMB 1.3 million and had illegal income of RMB 70,000 confiscated for non-compliant bank acceptance bill保证金 sources and lax letter of credit trade background review.平安银行深圳分行因银行承兑汇票保证金来源不合规、信用证贸易背景审核不严被罚130万元，没收违法所得7万元。
Bond underwriting & credit products债券承销与信用产品
5 · 2024-01-29 → 2025-08-08
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Medium-term note issuance, credit risk mitigation warrants, and commercial paper underwriting.中期票据发行、信用风险缓释凭证及短期融资券承销。
2024-01-29Ping An Bank Beijing Branch successfully issued a 2 billion yuan medium-term note for Shoukao Co., Ltd. with a 3+2 year term and the lowest coupon rate for the same maturity in nearly 3 years.平安银行北京分行为首开股份成功发行20亿元中期票据，期限3+2年，票面利率为近3年同期限最低。
2024-08-15Issued credit risk mitigation warrant '24 Ping An Bank CRMW008' for Shanghai Yixin Financing Lease's 2024 third ultra-short-term bond, with nominal principal of RMB 3 million and protection fee rate of 0.40%.创设“24平安银行CRMW008”信用风险缓释凭证，参考实体为上海易鑫融资租赁有限公司，名义本金300万元，信用保护费费率0.40%。
2025-06-20Ping An Bank underwrote RMB 520 million (52%) of Shaanxi Construction Engineering's SCP006 (RMB 1 billion, 270-day, 2.51% rate).平安银行包销陕西建工SCP006的5.2亿元（占比52%），该债规模10亿元、期限270天、利率2.51%。
2025-07-25Ping An Bank underwrites RMB 500 million (83.33%) of Xuzhou Construction Machinery Group's 266-day SCP (Sci-Tech Bond) issuance, totaling RMB 600 million.平安银行包销徐工集团25徐工集团SCP010(科创债)5亿元，占发行规模83.33%，发行总额6亿元，期限266日。
2025-08-08Ping An Bank underwrote RMB 5.3 billion (53%) of Guangdong Guangwu Holdings Group's RMB 10 billion short-term commercial paper issuance, taking on the entire balance underwriting.平安银行包销广东省广物控股集团100亿元超短期融资券中的53亿元（占比53%），承担全部余额包销。
Credit ratings & ESG ratings信用评级与ESG评级
9 · 2024-01-30 → 2026-05-15
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S&P, Fitch, Moody's affirmed/upgraded Ping An Bank's ratings; MSCI ESG rating upgraded to AA then AAA, reflecting improved governance and green finance.标普、惠誉、穆迪确认/上调平安银行评级；MSCI ESG评级升至AA后达AAA，反映治理和绿色金融改善。
2024-01-30S&P revised Ping An Bank's outlook from negative to stable, affirmed 'BBB+' long-term and 'A-2' short-term issuer credit ratings, and removed from UCO list.标普将平安银行评级展望从负面调整为稳定，确认长期发行人信用评级“BBB+”和短期“A-2”，移出标准观察名单。
2024-04-16China Chengxin International affirmed Ping An Bank's AAA/stable issuer rating for 2023, citing systemic importance and diversified income.中诚信国际维持平安银行2023年主体信用评级AAA/稳定，认为其具有系统重要性和多元化收入来源。
2024-06-11Fitch affirmed Ping An Bank's long-term foreign-currency IDR at 'BB+', outlook stable.惠誉确认平安银行长期外币发行人违约评级为'BB+'，展望稳定。
2024-11-12MSCI upgraded Ping An Bank's ESG rating to A, citing leading performance in environmental impact of financing, inclusive finance, privacy and data security, and corporate governance.MSCI将平安银行ESG评级上调至A级，在融资活动环境影响、普惠金融、隐私与数据安全、公司治理等领域表现领先。
2025-01-17S&P affirmed Ping An Bank's 'BBB+' long-term and 'A-2' short-term issuer credit ratings with a stable outlook, citing its highly strategic role within China Ping An Group.标普确认平安银行'BBB+'长期和'A-2'短期发行人信用评级，展望稳定，认为其在平安集团中具有高度战略作用。
2025-05-29Fitch affirmed Ping An Bank's long-term foreign-currency IDR at 'BB+', outlook stable; VR at 'b+' reflecting risk profile pressure.惠誉确认平安银行长期外币发行人违约评级为'BB+'，展望稳定；生存力评级为'b+'，反映风险状况压力。
2025-10-10MSCI upgraded Ping An Bank's ESG rating to AA from BB over five years, citing improvements in consumer protection, green finance, and data security.MSCI将平安银行ESG评级上调至AA级，五年内从BB级跃升三级，认可其在消费者保护、绿色金融和数据安全方面的提升。
2026-04-13Moody's affirmed Ping An Bank's Baa2/P-2 deposit ratings and ba2 BCA with stable outlook; support from Ping An Group and Chinese government factored in.穆迪维持平安银行Baa2/P-2存款评级和ba2基础信用评估，展望稳定；考虑平安集团和中国政府的支持。
2026-05-15Fitch affirmed Ping An Bank's Long-Term Foreign-Currency Issuer Default Rating at 'BB+', with a Stable Outlook; Viability Rating at 'b+', citing risk profile as a drag on creditworthiness.惠誉确认平安银行长期外币发行人评级为'BB+'，展望稳定；生存力评级为'b+'，认为风险状况拖累整体信用状况。
Product launches & service upgrades产品发布与服务升级
7 · 2024-02-02 → 2026-03-04
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New products like ETC cards, social security cards, digital treasury platform, and guarantee letter upgrades.ETC卡、社保卡、数字财资平台及保函升级等新产品。
2024-02-02Ping An Bank Shenzhen Branch and Guangdong United Electronic Service Co., Ltd. launched the 'Yuetong Card Truck Platform' and the 'Yuetong Truck Bao' ETC product for truck owners and logistics enterprises.平安银行深圳分行与广东联合电子服务股份有限公司发布‘粤通卡货车平台’及‘粤通·货车宝’ETC产品，面向货车车主及物流企业。
2024-11-23Ping An Bank Shantou Branch launched the third-generation social security card, becoming the 16th issuing bank in the city, with free card issuance fees.平安银行汕头分行发行第三代社保卡，成为汕头市第16家发卡银行，免收社保卡工本费。
2025-09-01Ping An Bank participated in the 2025 China International Big Data Industry Expo in Guiyang, showcasing its 'Digital Treasury+' integrated open platform, which connects with 490+ domestic and foreign banks and collaborates with 1,000+ ecosystem service providers including Kingdee and Yonyou to empower enterprise digital transformation.平安银行参加2025中国国际大数据产业博览会（贵阳），展示“数字财资+”一体化开放平台，已实现与490余家境内外银行直联，协同金蝶、用友等超千家生态服务商，赋能企业数字化转型。
2025-09-02Ping An Bank upgraded foreigner-friendly services: established over 100 key service outlets with bilingual signage and multilingual staff, launched multilingual version of Ping An Pocket Bank app including a HarmonyOS version, and set up foreign language video seats (English, Japanese) for bilingual account opening.平安银行升级外籍人士服务：打造逾百家配备双语标识及多语种人员的重点网点，推出平安口袋银行APP多语言版本（含鸿蒙版），设立外语专列视频坐席（英语、日语等），提供双语开户服务。
2025-11-17Ping An Bank credit card launched a comprehensive upgrade of five basic protections for all cardholders, covering card usage, travel, health, repayment and service, including 72-hour theft reimbursement (up to 300K yuan), million-level travel insurance, and AI doctor free consultation (12 times/year).平安银行信用卡面向所有持卡人推出五大基础保障全面升级，覆盖用卡、旅行、健康、还款和服务，包括72小时盗刷免赔（最高30万元）、百万出行保障、AI医生免费问诊（每年12次）。
2025-12-10Ping An Bank and Shanghai Clearing House jointly launched the 'Shanghai Clearing House Ping An Bank Liquidity Core 50 Credit Bond Index' (code: SCH01207), supported by Ping An Bank's proprietary 'China Credit Bond Comprehensive Liquidity Indicator Model'.平安银行与上海清算所联合发布“上海清算所平安银行流动性核心50信用债指数”（代码：SCH01207），由平安银行自主研发的“中国信用债综合流动性指标模型”提供技术支撑。
2026-03-04Ping An Bank upgraded its online guarantee letter 2.0, supporting mobile applications for six types of guarantee letters (performance, bid, customs tax, quality, advance payment, wage payment) up to RMB 30 million, with credit approval as fast as 120 minutes.平安银行焕新升级线上保函2.0，支持手机端办理履约保函、投标保函等六种保函，金额最高3000万元，额度申请最快120分钟。
Green & sustainable finance绿色与可持续金融
7 · 2024-02-05 → 2026-04-25
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Ping An Bank issued green bonds, sustainability-linked syndicated loans, and won green bank awards, with green loan balance exceeding RMB 266 billion.平安银行发行绿色债券、可持续发展挂钩银团贷款，并获得绿色银行奖项，绿色贷款余额超2660亿元。
2024-02-05Ping An Bank successfully led a USD 484 million sustainability-linked cross-border syndicated loan for Shandong Hi-Speed Holdings Group, its first green cross-border syndicated loan.平安银行成功牵头山高控股4.84亿美元可持续发展关联跨境银团贷款，为其首笔绿色跨境银团贷款。
2024-09-04Ping An Bank provided 1.5 billion yuan credit support to a large digital payment and financial services enterprise, and a 2 billion yuan transition finance project loan to a Hebei steel group, with cumulative disbursement of 1.24 billion yuan.平安银行为某大型数字支付与数字金融服务企业提供15亿元信贷支持，为河北某钢铁集团提供20亿元转型金融项目贷款，累计投放12.4亿元。
2024-09-14Ping An Bank acted as lead arranger for a 484 million USD sustainability-linked cross-border syndicated loan to a large domestic infrastructure enterprise, with Ping An contributing 100 million USD, its first such deal.平安银行作为牵头行为一家国内大型基建企业完成4.84亿美元可持续发展关联跨境银团贷款，其中平安银行投放1亿美元，为行内首笔。
2025-01-10Ping An Bank was awarded 'Green Bank Evaluation Advanced Unit' by the China Banking Association for its green finance performance in 2024.平安银行在2024年中国银行业绿色银行评价工作中被授予“绿色银行评价先进单位”。
2026-03-21Ping An Bank released its 2025 Sustainability Report, disclosing that its MSCI ESG rating was upgraded to AAA, green loan balance reached RMB 266.433 billion (up 12.2% YoY), and technology loan balance reached RMB 306.582 billion.平安银行发布2025年度可持续发展报告，MSCI ESG评级提升至AAA级，绿色贷款余额2664.33亿元（同比增12.2%），科技贷款余额3065.82亿元。
2026-04-14Ping An Bank selected for S&P Global Sustainability Yearbook (China Edition) 2026 for second consecutive year; green loan balance 266.433 billion yuan at end-2025.平安银行连续第二年入选标普全球《可持续发展年鉴（中国版）2026》；2025年末绿色贷款余额2664.33亿元。
2026-04-25Ping An Bank issued 30 billion yuan green financial bonds in 2025, proceeds for energy conservation, clean energy, and green infrastructure; Ping An Wealth Management green assets exceeded 27 billion yuan.平安银行2025年成功发行300亿元绿色金融债券，募集资金用于节能环保、清洁能源及基础设施绿色升级；平安理财绿色金融资产余额突破270亿元。
Other developments其他动态
8 · 2024-02-05 → 2025-07-22
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Assorted one-off developments.零散的一次性动态。
2024-02-05Ping An Bank adjusted margin ratios and price limits for Shanghai Gold Exchange agency contracts during the 2024 Spring Festival holiday, e.g., personal Au(T+D) margin raised from 37% to 43%.平安银行调整2024年春节期间上金所代理业务合约保证金比例和涨跌幅度限制，个人Au(T+D)保证金从37%调至43%。
2024-02-19Ping An Bank restructured its corporate banking module, merging six industry divisions (real estate, green finance, infrastructure, auto ecosystem, electronics & smart manufacturing, healthcare & cultural tourism) into a Strategic Client Department.平安银行公司金融模块裁撤六大行业事业部（地产、绿色金融、基础设施、汽车生态、电子信息与智能制造、医疗健康文化旅游），合并为战略客户部。
2024-02-28Ping An Bank published a 'Quality Return Dual Improvement' action plan, committing to enhance services in tech, green, inclusive, pension, and digital finance.平安银行发布‘质量回报双提升’行动方案，承诺提升科技金融、绿色金融、普惠金融、养老金融、数字金融服务。
2024-04-12Ping An Bank launched 18 measures to support the real economy, focusing on manufacturing, green finance, tech finance, supply chain finance, and inclusive finance.平安银行推出支持实体经济“十八条”举措，聚焦制造业、绿色金融、科技金融、供应链金融和普惠金融等领域。
2024-09-06Ping An Bank's Pocket Bank app integrated with China UnionPay's QuickPass network payment platform, enabling QR code payments at UnionPay and WeChat merchants.平安银行口袋银行APP接入中国银联云闪付网络支付平台，支持银联及微信收款码商户扫码支付。
2024-11-27Ping An Bank raised the daily and single-transaction limit for Alipay quick payment via debit cards (non-wealth-management scenarios) to 200,000 yuan, effective December 3, 2024.平安银行自2024年12月3日起，将借记卡支付宝快捷支付（非理财场景）单日及单笔限额提高至20万元。
2025-03-26Ping An Bank disclosed an external guarantee of HKD 70 million for Guojin Financial Holdings (Hong Kong) Co., Ltd., with a credit guarantee method.平安银行披露对国金金融控股（香港）有限公司的7000万港元对外担保，担保方式为信用担保。
2025-07-22Ping An Bank deepens strategic emerging industry financing, co-hosts 'Patient Capital Empowering Strategic Emerging Industries' seminar with Ping An Asset Management in Wuhan, leveraging group's seven investment platforms.平安银行联合平安资管在武汉举办“耐心资本赋能战略新兴产业研讨会”，深度赋能战略新兴产业，打造对公差异化优势。
Bond issuance & capital instruments债券发行与资本工具
15 · 2024-02-07 → 2026-03-21
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Ping An Bank issued financial bonds, Tier-2 capital bonds, perpetual subordinated bonds, and SME special bonds to replenish capital and support lending.平安银行发行金融债、二级资本债、永续债和小微专项债，以补充资本并支持信贷投放。
2024-02-07Ping An Bank issued CNY 20 billion in financial bonds on the interbank market, including CNY 15 billion for small-micro enterprise loans and CNY 5 billion for agriculture loans, both 3-year fixed-rate at 2.46%.平安银行在全国银行间债券市场发行200亿元金融债券，其中150亿元小微金融债、50亿元三农金融债，均为3年期固定利率2.46%。
2024-07-01National Financial Regulatory Administration approved Ping An Bank to issue 80 billion yuan in capital instruments, including Tier-2 capital bonds and perpetual subordinated bonds, within 24 months.国家金融监督管理总局批复同意平安银行发行800亿元资本工具，品种为二级资本债券和无固定期限资本债券，可在24个月内完成发行。
2024-07-04Ping An Bank announced the issuance of 30 billion yuan in Tier-2 capital bonds, with Tranche 1 (25 billion yuan, 10-year, callable at year 5) and Tranche 2 (5 billion yuan, 15-year, callable at year 10).平安银行公告拟发行300亿元二级资本债券，品种一250亿元（10年期，第5年末可赎回），品种二50亿元（15年期，第10年末可赎回）。
2024-07-11Ping An Bank completed the issuance of 30 billion yuan in Tier-2 capital bonds: Tranche 1 (27 billion yuan, 10-year, coupon 2.32%) and Tranche 2 (3 billion yuan, 15-year, coupon 2.50%), to replenish Tier-2 capital.平安银行完成发行300亿元二级资本债券：品种一270亿元（10年期，票面利率2.32%），品种二30亿元（15年期，票面利率2.50%），用于补充二级资本。
2024-11-07Ping An Bank issued 20 billion yuan perpetual subordinated bonds with a coupon rate of 2.45% for the first 5 years, to replenish Tier-1 capital.平安银行发行200亿元无固定期限资本债券，前5年票面利率2.45%，用于补充其他一级资本。
2025-03-06Ping An Bank issued 2025 first tranche perpetual subordinated bonds (Bond Connect) on the interbank market, with a scale of RMB 30 billion, a coupon rate of 2.27% for the first 5 years, and proceeds used to replenish Tier-1 capital.平安银行在全国银行间债券市场发行2025年无固定期限资本债券（第一期）（债券通），规模300亿元，前5年票面利率2.27%，募集资金用于补充其他一级资本。
2025-04-03Ping An Bank's board approved a general mandate to issue financial bonds.平安银行董事会审议通过发行金融债券一般性授权议案。
2025-04-18Ping An Bank's board approved a plan to issue up to 100 billion yuan equivalent in perpetual subordinated bonds and Tier-2 capital bonds over the next two years to replenish capital.平安银行董事会审议通过未来两年内发行不超过等值1000亿元的无固定期限资本债券和二级资本债券的规划。
2025-05-14Issued 2025 first tranche SME special financial bond (Bond Connect) with base size CNY 20B, 3-year, AAA rating, proceeds for SME loans.发行2025年第一期小型微型企业贷款专项金融债券（债券通），基本发行规模200亿元，3年期，AAA评级，募集资金专项用于小微贷款。
2025-05-21Completed issuance of 2025 first tranche SME special financial bond (Bond Connect) at CNY 30B, 3-year, coupon 1.74%, proceeds for SME loans.完成2025年第一期小型微型企业贷款专项金融债券（债券通）发行，规模300亿元，3年期，票面利率1.74%，募集资金专项用于小微贷款。
2025-10-27National Financial Regulatory Administration approved Ping An Bank to issue 100 billion yuan in capital instruments, including perpetual bonds and subordinated bonds.国家金融监督管理总局批复同意平安银行发行1000亿元人民币资本工具，品种为无固定期限资本债券和二级资本债券。
2025-11-21Ping An Bank issued 30B yuan of perpetual subordinated bonds (2025 second tranche, Bond Connect) at a coupon rate of 2.32% for the first 5 years, to replenish Additional Tier-1 capital.平安银行发行300亿元无固定期限资本债券（第二期）（债券通），前5年票面利率2.32%，用于补充其他一级资本。
2025-12-19Ping An Bank issued the 2025 Technology Innovation Bond (Bond Connect) on the interbank market, with a scale of RMB 6.5 billion, 3-year term, first coupon rate of 1.85% (1Y LPR minus 115 bps), proceeds for sci-tech loans and bonds.平安银行在全国银行间债券市场发行2025年科技创新债券（债券通），规模65亿元，期限3年，首期票面利率1.85%（1年期LPR下浮115BPs），募集资金用于科技贷款及科创债券投资。
2026-03-05Ping An Bank announced the redemption of all 200 million preferred shares (Ping Yin You 01) issued in March 2016, totaling RMB 20 billion, at a redemption price of RMB 104.37 per share (including dividend), effective March 9, 2026.平安银行宣布赎回2016年3月发行的全部2亿股优先股（平银优01），总规模200亿元，赎回价格为每股104.37元（含股息），于2026年3月9日生效。
2026-03-21Ping An Bank's board approved the reappointment of Ernst & Young Hua Ming as the 2026 auditor, with audit fees of RMB 8.19 million for financial audit and RMB 1.5 million for internal control audit, subject to shareholder approval.平安银行董事会审议通过续聘安永华明为2026年度审计师，财务审计费用819万元、内控审计费用150万元，尚需股东会审议。
Branch network optimization网点优化调整
30 · 2024-02-21 → 2026-06-03
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Ping An Bank closed underperforming community sub-branches, opened new ones in strategic locations, and upgraded/renamed existing branches.平安银行关闭低效社区支行，在战略位置开设新网点，并对现有网点进行升级和更名。
2024-02-21Ping An Bank's Haining Xuchang Community Sub-branch and Tongxiang Chongfu Community Sub-branch were approved by the Jiaxing Regulatory Bureau to terminate operations.平安银行海宁许村社区支行、桐乡崇福社区支行获嘉兴监管分局批准终止营业。
2024-02-22Ping An Bank's Hangzhou Rainbow Community Sub-branch and Hangzhou Fuyang Xianpu Community Sub-branch had their financial licenses cancelled after approved closures.平安银行杭州彩虹社区支行、杭州富阳苋浦社区支行经批准终止营业并注销金融许可证。
2024-03-06The NFRA Xiamen Bureau approved the closure of Ping An Bank Xiamen Guomao Sunshine Community Sub-branch.国家金融监督管理总局厦门监管局同意平安银行厦门国贸阳光社区支行终止营业。
2024-03-11The NFRA Hebei Bureau approved the closure of Ping An Bank Shijiazhuang Guohe Hongshanwan Community Sub-branch.国家金融监督管理总局河北监管局批准平安银行石家庄国赫红珊湾社区支行终止营业。
2024-03-28The NFRA Wenzhou Bureau approved the closure of Ping An Bank Wenzhou Lucheng Wuqiao Road Community Sub-branch.国家金融监督管理总局温州监管分局批准平安银行温州鹿城吴桥路社区支行终止营业。
2024-04-09National Financial Regulatory Administration Ningxia Bureau approved the opening of Ping An Bank Yinchuan Park Huafu Sub-branch.国家金融监督管理总局宁夏监管局批准平安银行银川公园华府支行开业。
2024-04-17National Financial Regulatory Administration Shanghai Bureau approved the closure of Ping An Bank Shanghai Dahua Wutongcheng Community Sub-branch.国家金融监督管理总局上海监管局批准平安银行上海大华梧桐城邦社区支行终止营业。
2024-04-17National Financial Regulatory Administration Wenzhou Supervision Branch approved the opening of Ping An Bank Wenzhou Wuqiao Road Sub-branch.国家金融监督管理总局温州监管分局批准平安银行温州吴桥路支行开业。
2024-06-06Ping An Bank Kunming Sujiatang Community Sub-branch approved for closure by NFRA Yunnan Office.平安银行昆明苏家塘社区支行获国家金融监督管理总局云南监管局批准终止营业。
2024-06-14Ping An Bank Shijiazhuang Xueyuan Road Sub-branch obtained a new financial license.平安银行石家庄学苑路支行获颁《中华人民共和国金融许可证》。
2024-06-14Ping An Bank Xiamen Lujiang Sub-branch changed address and renewed financial license.平安银行厦门鹭江支行因经营地址变更换领金融许可证。
2024-06-14Ping An Bank Nanchang Bayi Avenue Sub-branch relocated and renamed to Nanchang Bayi Sub-branch, renewing financial license.平安银行南昌八一大道支行迁址更名并换领金融许可证。
2024-07-04Ping An Bank Dalian Lushun Community Sub-branch was approved to terminate operations, with business merged into Dalian Vanke City Garden Community Sub-branch.平安银行大连旅顺社区支行获批终止营业，业务并入平安银行大连万科城市花园社区支行。
2024-07-12Ping An Bank Harbin Free Trade Zone Sub-branch obtained a new financial license to commence operations.平安银行哈尔滨自贸区支行获颁金融许可证，开始营业。
2024-07-19Ping An Bank Jiangyin Shengang Community Sub-branch terminated operations and its financial license was cancelled.平安银行江阴申港社区支行终止营业，金融许可证注销。
2024-08-13Approved closure of Ping An Bank Foshan Luocun Community Sub-branch by the Foshan Regulatory Office of the National Financial Regulatory Administration; financial license to be cancelled.国家金融监督管理总局佛山监管分局同意平安银行佛山罗村社区支行终止营业，注销《金融许可证》。
2024-09-03Ping An Bank Shijiazhuang Runfeng Shengshi Jiayuan community sub-branch and Shijiazhuang Wanda community sub-branch approved for closure by Hebei Financial Regulatory Bureau.平安银行石家庄润丰盛世家园社区支行及石家庄万达社区支行获河北金融监管局批准终止营业。
2024-09-15Ping An Bank Qingdao Guizhou Road community sub-branch approved for closure by Qingdao Regulatory Bureau of National Financial Regulatory Administration.平安银行青岛贵州路社区支行获国家金融监督管理总局青岛监管局批准终止营业。
2024-10-17Ping An Bank Guiyang Xiaohe Branch approved to terminate operations.平安银行贵阳小河支行获批终止营业。
2024-10-18Ping An Bank Hangzhou Jiubao Branch renamed to Hangzhou Jinsha Branch.平安银行杭州九堡支行更名为杭州金沙支行。
2024-11-26Ping An Bank Xi'an Dongmen Square Community Sub-branch approved for closure by Shaanxi financial regulator.平安银行西安东门广场社区支行获陕西监管局批复同意终止营业。
2024-11-27Ping An Bank Jiaxing Jiashan SME Sub-branch upgraded to a full-service sub-branch, approved by Zhejiang financial regulator.平安银行嘉兴嘉善小微企业专营支行获准升格为平安银行嘉兴嘉善支行。
2024-12-05Yunnan regulatory bureau approved the name change of Ping An Bank Kunming Wuhua Wuyue Plaza Sub-branch to Ping An Bank Kunming High-tech Sub-branch.云南监管局批复同意平安银行昆明五华吾悦广场支行更名为平安银行昆明高新支行。
2024-12-17Ping An Bank reduced 34 operating institutions this year; multiple branch president adjustments: Haikou branch president Liu Zhi transferred to Shenyang branch president; Huizhou branch president Hasibagen transferred to Shijiazhuang branch vice president; Kunming branch assistant president Huang Kun transferred to Hefei branch assistant president.平安银行今年已缩减34家营业机构；多家分行行长调整：海口分行行长刘峙任沈阳分行行长，惠州分行行长哈斯巴根任石家庄分行副行长，昆明分行行长助理黄琨任合肥分行行长助理。
2025-02-10Ping An Bank Zhuhai High-tech Sub-branch obtained a financial license, approved on 2025-02-07, located in Zhuhai High-tech Zone.平安银行珠海高新支行获得金融许可证，批准日期2025年2月7日，位于珠海高新区。
2025-02-25Shanghai regulator approved the opening of Ping An Bank Shanghai Zhoujiapu Sub-branch, located in Pudong New Area.上海监管局批复同意平安银行上海周家渡支行开业，位于浦东新区。
2025-06-05Jiangxi regulator approved the closure of Ping An Bank Nanchang Xianghu community sub-branch.江西监管局同意平安银行南昌象湖社区支行终止营业。
2025-10-15Ping An Bank Taizhou Branch signed lease for 2,700 sqm in Taizhou Financial Plaza, expanding its physical presence.平安银行泰州分行正式签约入驻泰州金融广场，租赁面积2700平方米，拓展网点布局。
2026-04-15Ping An Bank Zhongshan Shiqi sub-branch closed (license cancelled); second sub-branch closure in Zhongshan within two months after Zhongshan Tanzhou sub-branch closed in Feb 2026.平安银行中山石岐支行终止营业（注销金融许可证）；继2026年2月中山坦洲支行关停后，两个月内中山地区第二家支行关停。
2026-06-03Ping An Bank's Urumqi Economic and Technological Development Zone Free Trade Sub-branch received approval to open.平安银行乌鲁木齐经济技术开发区自贸支行获批开业。
Dividend & shareholder return policy分红与股东回报政策
17 · 2024-02-29 → 2026-06-04
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Ping An Bank raised dividend payout ratio to 10-35%, introduced interim dividends, and paid regular dividends on common and preferred shares.平安银行将分红率提升至10-35%，引入中期分红，并定期支付普通股和优先股股息。
2024-02-29Ping An Bank announced a dividend distribution of CNY 4.37 per share (pre-tax) on its preferred shares 'Ping Yin You 01', totaling CNY 874 million, with record date March 6.平安银行宣布优先股‘平银优01’每股派发股息4.37元（含税），合计8.74亿元，股权登记日3月6日。
2024-03-15Ping An Bank President Ji Guangheng stated at the results conference that the bank will maintain a relatively high dividend payout ratio in the future, and the 2023 payout ratio was raised to 30% due to improved capital adequacy.平安银行行长冀光恒在业绩发布会上表示未来将维持较高分红率，2023年因资本充足率好转将分红率提升至30%。
2024-04-19Ping An Bank announced a 2024-2026 shareholder return plan: cash dividends will be 10%-35% of distributable profit, with possible interim dividends.平安银行发布2024-2026年度股东回报规划，现金分红比例为可分配利润的10%至35%，并可进行中期分红。
2024-06-05Ping An Bank announced 2023 annual cash dividend of RMB 7.19 per 10 shares (total RMB 13.953 billion), with record date June 13 and ex-dividend date June 14.平安银行公告2023年度每10股派发现金股利7.19元（合计139.53亿元），股权登记日6月13日，除权除息日6月14日。
2024-06-07Ping An Bank disclosed 2024-2026 shareholder return plan: cash dividend ratio raised from 10-30% to 10-35%, with possibility of interim dividends.平安银行披露2024-2026年度股东回报规划：现金分红比例从10-30%提升至10-35%，并可进行中期分红。
2024-07-26Ping An Bank stated it will consider mid-term dividends, with a cash dividend ratio raised to 10-35% for 2024-2026, and may conduct interim cash dividends subject to board approval.平安银行表示将考虑中期分红，2024-2026年现金分红比例提升至10-35%，经董事会批准可进行中期现金分红。
2024-08-16Announced first-ever interim dividend plan: RMB 2.46 per 10 shares (tax included), with a payout ratio of approximately 18.4% of net profit; President Ji Guangheng said the bank will strive to maintain a reasonable full-year dividend level.宣布首次中期分红方案：每10股派发现金股利2.46元（含税），分红率约18.4%；行长冀光恒表示将维持合理的全年分红水平。
2024-09-25Ping An Bank announced 2024 interim dividend: 2.46 yuan per 10 shares (total ~4.774 billion yuan), ex-dividend date October 10, 2024.平安银行公告2024年半年度权益分派：每10股派2.46元（合计约47.74亿元），除权除息日2024年10月10日。
2024-12-26Ping An Bank implemented two ordinary share dividends in 2024: 2023 annual dividend of 7.19 yuan per 10 shares (total 13.953 billion yuan) on June 14, and 2024 semi-annual dividend of 2.46 yuan per 10 shares (total 4.774 billion yuan) on October 10.平安银行2024年实施2次普通股分红：6月14日完成2023年度权益分派，每10股派7.19元（合计139.53亿元）；10月10日完成2024年半年度权益分派，每10股派2.46元（合计47.74亿元）。
2025-02-19Ping An Bank implemented the 2023 profit distribution plan, paying cash dividends of 13.953 billion yuan, with a payout ratio of 30% of net profit.平安银行实施2023年度利润分配方案，派发现金股利139.53亿元，现金分红占净利润比例30%。
2025-02-28Ping An Bank announced dividend payment for preferred stock 'Ping An You 01', distributing 4.37 yuan per share (pre-tax), totaling 874 million yuan, payable on March 7, 2025.平安银行公告优先股'平银优01'股息发放，每股税前4.37元，合计8.74亿元，派息日2025年3月7日。
2025-03-01Ping An Bank announced the implementation of preferred stock (Pingyin You 01, code 140002) dividend payment, with a total of 200 million shares at a par value of RMB 100 per share, a coupon rate of 4.37%, and a total dividend of RMB 874 million (tax included).平安银行宣布优先股（平银优01，代码140002）股息发放实施，以2亿股（每股面值100元）为基数，票面股息率4.37%，合计派发股息8.74亿元（含税）。
2025-06-05Ping An Bank announced 2024 final dividend of RMB 3.62 per 10 shares (ex-date June 12), bringing full-year total to RMB 6.08 per 10 shares.平安银行公告2024年末期分红每10股派3.62元（除权除息日6月12日），全年累计每10股6.08元。
2025-08-22Ping An Bank announced an interim dividend of RMB 2.36 per 10 shares (tax included), totaling RMB 4.58 billion, representing 18.42% of attributable net profit.平安银行宣布中期分红方案：每10股派发现金股利2.36元（含税），合计45.80亿元，占归母净利润的18.42%。
2025-08-25Ping An Bank stated it will maintain a stable dividend payout ratio; the interim dividend of 18% is flat YoY, and no capital replenishment plan is currently under consideration.平安银行表示将保持稳定分红比例，中期分红18%与去年持平，目前尚无资本补充计划。
2026-01-24Ping An Bank's board approves the 2026 dividend plan for 'Ping An You 01' preferred shares: RMB 4.37 per share (pre-tax) on 200 million shares, totaling approximately RMB 874 million, with record date March 6, 2026 and payment date March 9, 2026.平安银行董事会批准“平银优01”优先股2026年度股息发放方案：每股4.37元（含税），基数2亿股，合计约8.74亿元，股权登记日2026年3月6日，除息派息日3月9日。
2026-06-04Ping An Bank announced its 2025 annual cash dividend: RMB 5.96 per 10 shares (including RMB 2.36 interim and RMB 3.60 final), ex-dividend date June 12, 2026.平安银行公告2025年度现金分红：每10股派5.96元（含中期2.36元和末期3.60元），除权除息日2026年6月12日。
Related-party transactions with Ping An Group与平安集团的关联交易
14 · 2024-02-29 → 2026-04-24
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Ping An Bank approved deposit agreements, credit lines, and service deals with parent China Ping An and its subsidiaries, with annual caps up to RMB 62.74 billion.平安银行批准与母公司中国平安及其子公司的存款协议、授信额度及服务交易，年度上限达627.4亿元。
2024-02-29Ping An Bank's board approved a CNY 6.5 billion comprehensive credit line to Ping An International Financial Leasing Co., Ltd., a related-party transaction.平安银行董事会批准向平安国际融资租赁有限公司提供65亿元人民币综合授信额度，构成关联交易。
2024-02-29Ping An Bank's board approved a related-party transaction with Shenzhen Wanlitong Network Information Technology Co., Ltd. for points service procurement worth CNY 1.6 billion.平安银行董事会批准与深圳万里通网络信息技术有限公司进行16亿元积分服务采购关联交易。
2024-02-29Ping An Bank's board approved a related-party transaction with Founder Securities Co., Ltd. for fund transactions up to CNY 5 billion and interbank credit of CNY 1.5 billion.平安银行董事会批准与方正证券股份有限公司进行不超过50亿元资金交易及15亿元同业授信关联交易。
2024-03-21Ping An Bank's board approved a deposit agreement with parent company China Ping An Group, with an expected principal amount of up to 40 billion yuan and interest of up to 174 million yuan.平安银行董事会批准与控股股东中国平安集团的协定存款业务合作，预计本金合计不超过400亿元，利息合计不超过1.74亿元。
2024-09-27Ping An Bank granted 5 billion yuan credit line to Shandong Gold Mining Co., and 22.8 billion yuan credit line to China Ping An Insurance (Group) and its subsidiaries, both for one year.平安银行向山东黄金矿业股份有限公司提供50亿元授信额度，向中国平安保险（集团）及其控股成员公司提供228亿元授信额度，期限均为一年。
2025-02-21Ping An Bank approved offshore RMB fixed deposit and agreement deposit cooperation with Lufax Holding, with fixed deposit principal up to 4.5 billion yuan and agreement deposit principal up to 2.184 billion yuan.平安银行批准与陆金所控股进行离岸人民币定期存款和协定存款业务合作，定期存款本金不超过45亿元，协定存款本金不超过21.84亿元。
2025-02-21Ping An Bank granted a renewed comprehensive credit line of 6.5 billion yuan to Ping An International Financial Leasing Co., Ltd., for a one-year term.平安银行同意给予平安国际融资租赁有限公司原额续作综合授信额度等值65亿元，期限1年。
2025-04-03Ping An Bank's board approved a negotiated deposit cooperation with Shenzhen Chuangfan Enterprise Management Co., Ltd. for a principal amount not exceeding 14.8 billion yuan and interest not exceeding 96.2 million yuan.平安银行董事会批准与深圳市创帆企业管理有限公司进行本金不超过148亿元、利息不超过0.962亿元的协定存款业务合作。
2025-04-03Ping An Bank's board approved a negotiated deposit cooperation with China Ping An Insurance (Group) for a principal amount not exceeding 40 billion yuan equivalent and interest not exceeding 273 million yuan equivalent.平安银行董事会批准与中国平安保险（集团）进行本金不超过等值400亿元、利息不超过等值2.73亿元的协定存款业务合作。
2025-04-03Ping An Bank announced 2025 daily related-party transaction limit with China Ping An and its affiliates at 62.74 billion yuan, including 29.2 billion yuan in credit, 14.7 billion in asset transfer, 10.6 billion in services, and deposit interest up to 5.64 billion.平安银行公告2025年度与中国平安及其关联方日常关联交易额度上限为627.4亿元，其中授信类292亿元、资产转移类147亿元、服务类106亿元、存款类利息不超过56.4亿元。
2025-07-03Ping An Bank board approves routine related-party transactions with directors, supervisors, and senior management for deposits, payments, credit cards, personal loans, and financial products.平安银行董事会审议通过与董事、监事、高级管理人员及其关联方开展一般性存款、支付结算、信用卡、个人贷款、购买金融产品等日常关联交易。
2026-01-23Ping An Bank's 13th board of directors approves increased comprehensive credit lines to related parties: RMB 4.9 billion to Ping An Securities, RMB 3 billion to Founder Securities, RMB 7.2 billion to China Ping An, and RMB 9.5 billion to Ping An Leasing, all for 1 year; also approves a RMB 15 billion cap on agreement deposit with Ping An Leasing for 2026-2028.平安银行第十三届董事会批准向关联方增额续作授信：平安证券49亿元、方正证券30亿元、中国平安72亿元、平安租赁95亿元，期限1年；并与平安租赁开展协定存款业务，2026-2028年存入本金不超150亿元。
2026-04-24Ping An Bank board approved a related-party agreement deposit (RMB, HKD, USD) with parent Ping An Group, principal up to 40 billion yuan, interest up to 250 million yuan, 1-year term.平安银行董事会审议通过与控股股东中国平安开展协定存款业务合作，本金不超过等值人民币400亿元，利息合计不超过2.5亿元，期限1年。
2026-04-24Ping An Bank disclosed 2026 annual related-party transaction plan with Ping An Group: total cap 59.079 billion yuan across credit, asset transfer, services, deposit interest, and other categories.平安银行披露2026年度与中国平安的日常关联交易计划：授信类、资产转移类、服务类、存款类利息及其他类合计上限590.79亿元。
Financial results & earnings guidance财务业绩与业绩指引
30 · 2024-03-08 → 2026-05-13
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Ping An Bank reported declining revenue and narrowing NIM in 2023-2025, with net profit slightly up/down; retail net profit plunged 94.8% in 2024.平安银行2023-2025年营收下降、净息差收窄，净利润小幅波动；2024年零售净利润暴跌94.8%。
2024-03-08Ping An Bank announced it will disclose its 2023 annual report and hold a 2023 annual results conference on March 15, 2024, attended by President Ji Guangheng and other management.平安银行公告拟于2024年3月15日披露2023年年度报告并召开业绩发布会，行长冀光恒等管理层出席。
2024-03-14Ping An Bank released its 2023 annual report: revenue 164.699 billion yuan, down 8.4% YoY; net profit 46.455 billion yuan, up 2.1% YoY; NPL ratio 1.06%, up 0.01 ppt; proposed a cash dividend of 7.19 yuan per 10 shares, with a payout ratio of 30%.平安银行发布2023年年报：营业收入1646.99亿元，同比下降8.4%；净利润464.55亿元，同比增长2.1%；不良贷款率1.06%，上升0.01个百分点；拟每10股派发现金股利7.19元，分红率30%。
2024-04-19Ping An Bank reported Q1 2024 net profit of RMB 14.932 billion, up 2.3% YoY; revenue was RMB 38.77 billion, down 14.0% YoY; NIM narrowed to 2.01%.平安银行2024年一季度净利润149.32亿元，同比增长2.3%；营业收入387.70亿元，同比下降14.0%；净息差收窄至2.01%。
2024-05-04Ping An Bank released 2024 Q1 results: revenue down 14.0% YoY, net profit up 2.3% YoY; personal loan balance down 5.0% from end-2023; NIM narrowed 62 bps YoY.平安银行发布2024年一季报：营收同比下降14.0%，归母净利润同比增长2.3%；个人贷款余额较上年末下降5.0%；净息差同比下降62个基点。
2024-06-03Ping An Bank held an analyst meeting; disclosed Q1 2024 net interest margin of 2.01% (down 62 bps YoY), NPL ratio 1.07% (up 0.01 ppt), and personal loan balance of RMB 1,878.13 billion.平安银行召开分析师会议，披露2024年一季度净息差2.01%（同比下降62个基点），不良贷款率1.07%（上升0.01个百分点），个人贷款余额18,781.30亿元。
2024-08-15Released 2024 half-year results: revenue RMB 77.132 billion, down 13.0% YoY; net profit RMB 25.879 billion, up 1.9% YoY; NPL ratio 1.07%, up 0.01 ppt from year-end 2023; proposed interim dividend of RMB 2.46 per 10 shares.发布2024年半年度业绩：营业收入771.32亿元，同比下降13.0%；净利润258.79亿元，同比增长1.9%；不良贷款率1.07%，较上年末上升0.01个百分点；拟每10股派发现金红利2.46元。
2024-09-06Ping An Bank's 2024 interim results: revenue 77.132 billion yuan, down 13.0% YoY; net profit 25.879 billion yuan, up 1.9% YoY; total assets 5.754 trillion yuan, up 3.0% from end-2023; NPL ratio 1.07%.平安银行2024年中期业绩：营业收入771.32亿元，同比下降13.0%；净利润258.79亿元，同比增长1.9%；资产总额5.75万亿元，较上年末增长3.0%；不良贷款率1.07%。
2024-10-18Q3 2024 results: revenue 34.45 billion yuan, down 11.7% YoY; net profit 13.85 billion yuan, down 2.8% YoY. 9M revenue 111.582 billion yuan, down 12.6%; net profit 39.729 billion yuan, up 0.2%.2024年第三季度业绩：营收344.5亿元，同比下降11.7%；净利润138.5亿元，同比下降2.8%。前三季度营收1115.82亿元，同比下降12.6%；净利润397.29亿元，同比增长0.2%。
2025-02-19Ping An Bank announced its 2024 annual report is scheduled for release on March 15, 2025.平安银行公告2024年年度报告计划于2025年3月15日发布。
2025-03-07Ping An Bank announced that its 2024 annual performance briefing will be held on March 17, 2025, via email, attended by President Ji Guangheng and other management members.平安银行公告称，2024年年度业绩说明会定于2025年3月17日以电子邮件形式举行，行长冀光恒等管理层成员出席。
2025-03-14Ping An Bank released 2024 annual report: revenue of RMB 146.695 billion, down 10.9% YoY; net profit of RMB 44.508 billion, down 4.2% YoY; NIM at 1.87%, down 51 bps; NPL ratio at 1.06%, flat; proposed full-year dividend of RMB 6.08 per 10 shares.平安银行发布2024年年报：营业收入1466.95亿元，同比下降10.9%；净利润445.08亿元，同比下降4.2%；净息差1.87%，下降51个基点；不良贷款率1.06%，持平；拟全年每10股派发现金股利6.08元。
2025-03-14Ping An Bank's 2024 annual report shows retail financial business revenue of RMB 71.255 billion, down 25.9% YoY; retail net profit plunged to RMB 289 million, down 94.8% YoY; personal loan balance fell 10.6% YoY.平安银行2024年年报显示，零售金融业务收入712.55亿元，同比下降25.9%；零售净利润骤降至2.89亿元，同比下降94.8%；个人贷款余额同比下降10.6%。
2025-03-14Ping An Bank's 2024 annual report shows corporate loan balance reached RMB 1.606935 trillion, up 12.4% YoY; technology enterprise loan balance reached RMB 148.851 billion, up 24.6% YoY; green loan balance reached RMB 157.762 billion, up 13.0% YoY.平安银行2024年年报显示，企业贷款余额1.61万亿元，同比增长12.4%；科技企业贷款余额1488.51亿元，同比增长24.6%；绿色贷款余额1577.62亿元，同比增长13.0%。
2025-03-17Ping An Bank held 2024 annual performance briefing; President Ji Guangheng stated retail reform has entered a critical period, high-risk assets are basically cleared, and retail loan net monthly投放 is gradually improving.平安银行召开2024年度业绩发布会，行长冀光恒表示零售改革转型进入关键时期，高风险资产基本出清，零售贷款单月净投放逐步好转。
2025-04-02Ping An Bank's 2024 annual report shows retail net profit plunged 94.8% YoY to 289 million yuan; net interest income fell 20.82% to 93.427 billion yuan; retail revenue dropped 25.9% to 71.255 billion yuan, with its share falling from 58.4% to 48.6%.平安银行2024年报显示零售净利润同比暴跌94.8%至2.89亿元；利息净收入下降20.82%至934.27亿元；零售收入下降25.9%至712.55亿元，占比从58.4%降至48.6%。
2025-04-18Ping An Bank reported Q1 2025 results: revenue 33.709 billion yuan (-13.1% YoY), net profit 14.096 billion yuan (-5.6% YoY); NPL ratio 1.06% (flat QoQ), provision coverage 236.53%; core Tier-1 CAR 9.41% (+0.29pp QoQ).平安银行发布2025年一季报：营收337.09亿元（同比-13.1%），净利润140.96亿元（同比-5.6%）；不良率1.06%（环比持平），拨备覆盖率236.53%；核心一级资本充足率9.41%（环比+0.29个百分点）。
2025-05-09Q1 2025 revenue CNY 33.709B, down 13.1% YoY; net profit CNY 14.096B, down 5.6% YoY. Retail net profit plunged 94.8% in 2024.2025年一季度营收337.09亿元，同比下降13.1%；净利润140.96亿元，同比下降5.6%。2024年零售净利润暴跌94.8%。
2025-05-29Disclosed in investor relations record that Q1 2025 NIM was 1.83%, down 18 bps YoY; expects NIM decline to moderate in 2025.在投资者关系记录中披露2025年一季度净息差1.83%，同比下降18个基点；预计2025年净息差下行幅度趋缓。
2025-07-29Ping An Bank's 2024 retail data shows parent company personal consumer loan balance fell to RMB 474.66 billion (down 12.1% YoY), retail net profit plunged 94.8% to RMB 289 million; while subsidiary Ping An Consumer Finance revenue rose 24.6% to RMB 4.52 billion, net profit surged 108% to RMB 1.02 billion.平安银行2024年零售数据显示母公司个人消费贷余额降至4746.63亿元（同比降12.1%），零售净利润暴跌94.8%至2.89亿元；而子公司平安消金营收增长24.6%至45.19亿元，净利润飙升108%至10.2亿元。
2025-08-22Ping An Bank reported H1 2025 results: revenue RMB 69.385 billion (-10.0% YoY), net profit RMB 24.87 billion (-3.9% YoY), NIM 1.80% (-16 bps YoY), NPL ratio 1.05% (-0.01 ppt vs end-2024).平安银行发布2025年半年报：营业收入693.85亿元（同比-10.0%），净利润248.7亿元（同比-3.9%），净息差1.80%（同比下降16个基点），不良贷款率1.05%（较上年末下降0.01个百分点）。
2025-08-25Ping An Bank held its H1 2025业绩发布会; President Ji Guangheng stated 2025 will be the toughest year but signs of improvement are emerging, aiming for a bottoming out this year.平安银行召开2025年中期业绩发布会，行长冀光恒表示2025年是最难的一年但已现积极趋势，力争今年实现业绩筑底企稳。
2025-09-01Ping An Bank reported its first half-year revenue and net profit decline in nearly a decade: H1 2025 revenue 69.385 billion yuan, down 10% YoY; net profit 24.87 billion yuan, down 3.9% YoY. Net interest margin narrowed to 1.80%, down 16 bps YoY. Retail loan balance fell 2.3% from end-2024 to 1,725.978 billion yuan; retail NPL ratio improved to 1.27%, down 12 bps. Overall NPL ratio 1.05%, down 1 bp.平安银行公布近十年来首现半年报营收净利双降：2025年上半年营收693.85亿元，同比下降10%；归母净利润248.7亿元，同比下降3.9%。净息差收窄至1.80%，同比下降16个基点。个人贷款余额较上年末下降2.3%至17,259.78亿元；个人贷款不良率改善至1.27%，下降12个基点。整体不良贷款率1.05%，下降1个基点。
2025-10-24Ping An Bank reported Q3 2025 revenue of 31.283 billion yuan (-9.2% YoY) and net profit of 13.469 billion yuan (-2.8% YoY); 9M revenue 100.668 billion yuan (-9.8% YoY), net profit 38.339 billion yuan (-3.5% YoY). NIM 1.79%, down 14 bps.平安银行2025年第三季度营收312.83亿元（同比-9.2%），净利润134.69亿元（同比-2.8%）；前三季度营收1006.68亿元（同比-9.8%），净利润383.39亿元（同比-3.5%）；净息差1.79%，下降14个基点。
2025-11-01Ping An Bank reported Q1-Q3 2025 results: revenue 100.668B yuan (-9.8% YoY), net profit 38.339B yuan (-3.5% YoY); net interest income 66.553B yuan (-8.25% YoY); net fee & commission income 18.685B yuan (flat); investment income 16.257B yuan (-11.41% YoY); annualized ROA 0.89% (-0.04pp), ROE 11.09% (-1.11pp); retail loan balance 1.93T yuan (-2.1% vs end-2024); retail business revenue 71.255B yuan (-25.9%), net profit 289M yuan (-94.77%).平安银行公布前三季度业绩：营业收入1006.68亿元（同比-9.8%），净利润383.39亿元（同比-3.5%）；利息净收入665.53亿元（同比-8.25%）；手续费及佣金净收入186.85亿元（持平）；投资收益162.57亿元（同比-11.41%）；年化ROA 0.89%（-0.04个百分点），ROE 11.09%（-1.11个百分点）；零售贷款余额1.93万亿元（较上年末-2.1%）；零售业务收入712.55亿元（-25.9%），净利润2.89亿元（-94.77%）。
2025-12-04Ping An Bank disclosed in a survey that as of end-September 2025, total assets were RMB 5.766764 trillion; corporate loans grew 5.1% vs end-2024, while retail loans fell 2.1%; corporate real estate NPL ratio rose to 2.20% (up 0.41 ppt).平安银行调研披露，截至2025年9月末总资产57667.64亿元；企业贷款较上年末增长5.1%，个人贷款下降2.1%；对公房地产贷款不良率升至2.20%（上升0.41个百分点）。
2026-01-30Ping An Bank discloses in an investor survey that for the first three quarters of 2025, operating revenue was RMB 100.668 billion (down 9.8% YoY) and net profit was RMB 38.339 billion (down 3.5% YoY).平安银行在投资者调研中披露2025年1-9月营业收入1006.68亿元（同比下降9.8%），净利润383.39亿元（同比下降3.5%）。
2026-03-20Ping An Bank reported 2025 annual results: revenue of RMB 131.442 billion (down 10.4% YoY), net profit of RMB 42.633 billion (down 4.2% YoY), NIM of 1.78% (down 9 bps), NPL ratio of 1.05% (down 1 bp), and proposed a full-year dividend of RMB 5.96 per 10 shares (total RMB 11.566 billion).平安银行发布2025年年报：营业收入1314.42亿元（同比降10.4%），净利润426.33亿元（同比降4.2%），净息差1.78%（降9个基点），不良贷款率1.05%（降0.01个百分点），拟全年每10股派发现金股利5.96元（合计115.66亿元）。
2026-04-01Ping An Bank released 2025 annual report: revenue 131.442 billion yuan, down 10.4% YoY; net profit 42.633 billion yuan, down 4.2% YoY; NIM narrowed; NPL ratio 1.05%, down 0.01pp; core Tier-1 CAR 9.36%, up 0.24pp.平安银行发布2025年年报：营业收入1314.42亿元，同比下降10.4%；净利润426.33亿元，同比下降4.2%；净息差收窄；不良贷款率1.05%，下降0.01个百分点；核心一级资本充足率9.36%，上升0.24个百分点。
2026-04-24Ping An Bank Q1 2026 results: revenue 35.277 billion yuan, +4.7% YoY; net profit 14.523 billion yuan, +3.0% YoY; NIM 1.79%; NPL ratio 1.05% flat; wealth management fee income surged.平安银行2026年一季度业绩：营业收入352.77亿元，同比增长4.7%；净利润145.23亿元，同比增长3.0%；净息差1.79%；不良贷款率1.05%持平；财富管理手续费收入大幅增长。
2026-05-13Ping An Bank reported Q1 2026 results: net interest margin at 1.79%, down 4 bps YoY; total loans and advances to customers at RMB 3,464.6 billion, up 2.2% from end-2025; corporate deposit average cost at 1.32%, down 41 bps YoY.平安银行公布2026年一季度业绩：净息差1.79%，同比下降4个基点；发放贷款和垫款本金总额34,646亿元，较上年末增长2.2%；企业存款平均付息率1.32%，同比下降41个基点。
Gold & precious metals product adjustments黄金及贵金属产品调整
14 · 2024-03-26 → 2026-04-28
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Ping An Bank raised minimum investment for gold accumulation plans and adjusted margin ratios for gold/silver deferred contracts due to price volatility.平安银行因价格波动提高黄金积存计划最低投资额，并调整黄金/白银延期合约保证金比例。
2024-03-26Ping An Bank raised the minimum investment amount for its Ping An Gold Accumulation Plan (including fixed investment plans) from 500 yuan to 600 yuan, effective April 2, 2024, due to gold price volatility.平安银行因金价波动，自2024年4月2日起将平安金积存业务（含定投计划）起投金额由500元上调至600元。
2024-04-12Ping An Bank adjusted margin ratios for silver deferred contracts: individual clients to 45%, corporate clients to 26%, effective April 9.平安银行调整白银延期合约保证金比例，个人客户调至45%，法人客户调至26%，自4月9日起生效。
2024-04-15Ping An Bank adjusted margin ratios for gold deferred contracts: individual clients to 36%, corporate clients to 20%, effective April 15.平安银行调整黄金延期合约保证金比例，个人客户调至36%，法人客户调至20%，自4月15日起生效。
2024-04-30Ping An Bank adjusted margin ratios for gold and silver deferred contracts ahead of Labor Day holiday; individual gold to 38%, silver to 48%.平安银行劳动节前调整黄金、白银延期合约保证金比例，个人黄金调至38%，白银调至48%。
2024-05-22Ping An Bank adjusted margin ratios and price limits for Shanghai Gold Exchange agency deferred contracts, effective May 21, 2024.平安银行调整上金所代理业务黄金、白银现货延期合约的保证金比例和涨跌幅度限制，自2024年5月21日起生效。
2024-10-24Ping An Bank raised minimum investment for gold accumulation fixed investment plan from 600 yuan to 700 yuan, effective October 28, due to gold price volatility.平安银行因金价波动，自10月28日起将黄金积存定投起投金额由600元上调至700元。
2024-10-28Ping An Bank added service fee items for 'Shengli Gold' business: subscription fee 8 yuan/gram, redemption fee 1% of real-time gold price.平安银行新增生利金业务手续费：认购费8元/克，赎回费按实时金价1%收取。
2025-04-03Ping An Bank raised the minimum investment for its gold accumulation fixed-investment plan from 700 yuan to 800 yuan per order, effective April 8, 2025, due to gold price volatility.平安银行因金价波动，自2025年4月8日起将黄金积存定投计划每笔起投金额从700元上调至800元。
2025-04-29Ping An Bank adjusted margin ratios for gold and silver deferred contracts ahead of the Labor Day holiday: individual Au(T+D) margin raised to 42%, Ag(T+D) to 51%; effective from April 29, 2025.平安银行因劳动节假期调整黄金白银延期合约保证金：个人Au(T+D)保证金上调至42%，Ag(T+D)上调至51%，自2025年4月29日起生效。
2025-10-21Ping An Bank raised minimum investment for gold accumulation fixed-investment plans from 900 yuan to 1,100 yuan per period, effective Oct 24, 2025, due to gold price volatility.平安银行因金价波动较大，自2025年10月24日起将平安金积存业务定投起投金额由900元上调至1100元。
2026-01-27Ping An Bank raises the minimum investment amount for its Ping An Gold Accumulation Plan fixed-investment plan from RMB 1,100 to RMB 1,200, effective January 29, 2026, due to gold price volatility.平安银行因金价波动，自2026年1月29日起将平安金积存业务定投计划起投金额由1100元上调至1200元。
2026-01-27Ping An Bank adjusts yields on its Ping An Gold Accumulation Plan from February 4, 2026: demand yield to 0.01%, 3-month to 0.2%, 6-month to 0.4%, 1-year to 0.8%.平安银行自2026年2月4日起调整平安金积存业务收益率：活期0.01%、3个月0.2%、6个月0.4%、1年期0.8%。
2026-03-12Ping An Bank announced it will gradually close its agency personal precious metals trading business on the Shanghai Gold Exchange from April 1, 2026, and raised margin requirements for Au(T+D), mAu(T+D), and Ag(T+D) contracts to 100%.平安银行宣布自2026年4月1日起逐步关闭代理上海黄金交易所个人贵金属交易业务，并将Au(T+D)、mAu(T+D)、Ag(T+D)合约保证金比例调整至100%。
2026-04-28Ping An Bank adjusted margin ratios and price limits for gold/silver deferred contracts ahead of Labor Day holiday per Shanghai Gold Exchange notice.平安银行根据上海黄金交易所通知，在劳动节假期前调整黄金、白银现货延期合约的保证金比例和涨跌幅度限制。
Strategic partnerships & cooperation agreements战略合作与协议
7 · 2024-04-12 → 2026-05-20
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Cooperation with UnionPay, FLYDELIVER, ZhongAn Online, and other entities.与银联、闪送、众安在线等实体的合作。
2024-04-12Ping An Bank and China UnionPay reached a comprehensive cooperation agreement on 'Splendid Action 2024' to improve bank card acceptance environment for seniors and foreigners.平安银行与中国银联达成“锦绣行动2024”全面合作共识，共同改善老年人及外籍来华人员的银行卡受理环境。
2024-08-21Announced partnership with FLYDELIVER (FD Delivery) to jointly promote innovation in instant delivery and fintech, expanding financial service coverage.宣布与FLYDELIVER（FD配送）合作，共同推动即时配送与金融科技领域的创新发展，拓展金融服务覆盖范围。
2025-02-20Founder Holdings signed a deposit service framework agreement with Ping An Bank, with annual caps of 460 million yuan (2025-2026) and 480 million yuan (2027), valid until 2027-12-31.方正控股与平安银行签订存款服务框架协议，年度上限2025-2026年4.6亿元、2027年4.8亿元，有效期至2027年12月31日。
2025-06-18Ping An Bank signed a three-year financial services framework agreement with ZhongAn Online (06060.HK) for deposit and settlement services.平安银行与众安在线(06060.HK)订立三年金融服务框架协议，提供存款及结算服务。
2025-10-14Ping An Bank Taiyuan Branch signed agreement with Taiyuan Housing Provident Fund Center to offer partial commercial-to-public housing loan conversion from Oct 14, 2025.平安银行太原分行与太原市住房公积金管理中心签署协议，自2025年10月14日起提供部分商转公贷款服务。
2026-05-13Ping An Bank Beijing Branch deepened the bank-lease coordination mechanism with BOC Financial Leasing Co., Ltd., focusing on green finance, technology finance, and digital finance, supporting green shipping industry upgrades.平安银行北京分行与中银金融租赁有限公司深化银租协同机制，聚焦科技金融、绿色金融、数字金融等领域，支持绿色航运产业升级。
2026-05-20Ping An Bank Taiyuan Branch held talks with Jinnan Steel Group to deepen产融 cooperation and green transformation, with Ping An Bank committing to innovative green financial products to support the steelmaker's low-carbon upgrade.平安银行太原分行与晋南钢铁集团举行会谈，深化产融合作与绿色转型，平安银行承诺创新绿色金融产品支持钢铁企业低碳升级。
Cross-border & foreign exchange services跨境与外汇服务
6 · 2024-04-18 → 2025-06-09
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Ping An Bank won 'Best Foreign Exchange Service in China', launched CIPS-based cross-border functions, and hosted Panda Bond forum.平安银行获得'中国最佳外汇服务'奖，推出基于CIPS的跨境功能，并举办熊猫债论坛。
2024-04-18Ping An Bank hosted a Panda Bond forum; President Ji Guangheng emphasized the bank's commitment to Panda Bond market-making and RMB internationalization.平安银行举办熊猫债论坛，行长冀光恒强调该行致力于熊猫债做市业务和人民币国际化。
2024-06-04Ping An Bank launched a fully digitalized online system (corporate online banking and Digital Pocket APP) for trade foreign exchange receipt/payment enterprise名录 registration, effective June 1.平安银行推出贸易外汇收支企业名录登记全流程线上办理系统（企业网银和数字口袋APP），自6月1日起生效。
2024-06-21Ping An Bank won 'Best Foreign Exchange Service in China' award from The Asian Banker.平安银行荣获《亚洲银行家》“中国最佳外汇服务奖”。
2024-06-24Ping An Bank won three awards from The Asian Banker: 'Best Commercial Ecosystem Platform in Asia-Pacific', 'Best Foreign Exchange Service in China', and 'Best Anti-Money Laundering Technology Implementation in China'.平安银行荣获《亚洲银行家》三项大奖：“亚太区最佳商业生态平台”“中国最佳外汇服务”“中国最佳反洗钱技术实施”。
2025-04-16Ping An Bank partnered with Genertec Finance to launch CIPS-based real-time account inquiry and cross-border fund centralized collection/payment functions for central state-owned enterprise treasury platforms.平安银行与通用技术集团财务公司合作，基于CIPS系统率先推出账户实时查询和跨境资金集中收付功能，服务央国企司库平台。
2025-06-09Ping An Bank launched 'New Offshore Trade Business Background Verification' scenario on SAFE cross-border finance platform, completing first transaction in 20 minutes.平安银行在外汇局跨境金融服务平台上线“新型离岸国际贸易业务背景核验”场景，首笔业务20分钟完成核验。
Fee & service charge adjustments费率与服务收费调整
4 · 2024-04-25 → 2026-01-03
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Ping An Bank announced new/adjusted fee items for various services, with price increases effective after a three-month notice period.平安银行宣布新增/调整多项服务收费项目，涨价在三个月公示期后生效。
2024-04-25Ping An Bank announced new and adjusted fee items for certain services, with price increases effective after a three-month notice period.平安银行公告新增和调整部分服务收费项目，调价项目将于公示三个月后生效。
2024-08-12Announced addition and adjustment of some service fee items; new or increased fees will take effect after a three-month public notice period.公告新增、调整部分服务收费项目，新增或调高价格的收费项目将于公示三个月后生效。
2025-07-04Ping An Bank announces adjustments to service fee items for corporate and retail banking, with new or increased fees effective after a three-month public notice period.平安银行公告新增、调整部分公司及零售业务服务收费项目，新增或调高项目于公示三个月后生效。
2026-01-03Ping An Bank announces adjustments to fee items, with new or increased fees effective after a three-month public notice period, and reduced or unchanged fees effective immediately.平安银行公告调整服务收费项目，新增或调高价格的项目公示三个月后生效，调减或不变的项目公示日起生效。
Legal & regulatory actions法律与监管行动
4 · 2024-04-30 → 2025-08-18
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Lawsuits, court enforcement, and regulatory orders against Ping An Bank.针对平安银行的法律诉讼、法院执行和监管命令。
2024-04-30Ping An Bank was named as a defendant in a lawsuit filed in Guangzhou Tianhe District Court, case number (2024) Yue 0106 Li 5423.平安银行被列为一起在广州市天河区人民法院立案的诉讼案件被告，案号为(2024)粤0106立5423号。
2025-01-15Ping An Bank was listed as an enforcement target by the Shenzhen Intermediate People's Court with an execution amount of 60.75 million yuan.平安银行被深圳市中级人民法院列为被执行人，执行标的6075万元。
2025-06-10Regulator ordered Ping An Bank to stop the 'Deposit for LABUBU blind box' promotion, citing improper deposit-taking practices.监管叫停平安银行“存款送LABUBU盲盒”活动，指其不合规吸储。
2025-08-18Ping An Bank was rated 'Encouragement Grade' (勉励档) in the 2024 annual regulatory assessment of financial institutions' rural revitalization services by the PBOC and NFRA, the lowest tier among 2 banks.平安银行在2024年度金融机构服务乡村振兴监管考核评估中获评“勉励档”，为最低档，仅2家银行获此评级。
Regulatory policy implementation监管政策实施
2 · 2024-05-06 → 2024-05-21
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Implementation of PBOC credit repair policy and account management agreement revisions.央行信用修复政策实施及账户管理协议修订。
2024-05-06Ping An Bank revised its 'Personal Bank Settlement Account Management Agreement' and related documents, effective May 22, 2024.平安银行修订《个人银行结算账户管理协议》等相关文本，于2024年5月22日启用。
2024-05-21Ping An Bank revised its 'Corporate Bank Deposit Account Management Agreement' and related documents, effective May 22, 2024.平安银行修订《单位银行存款账户管理协议》等相关文本，于2024年5月22日启用。
Consumer & retail loan products消费与零售贷款产品
7 · 2024-05-09 → 2026-01-22
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Ping An Bank launched/removed products like 'Balloon Loan', 'Cheng e Dai', and 'Ri Ri Sheng Jin', and adjusted credit card terms.平安银行推出/下架'气球贷'、'橙e贷'、'日日生金'等产品，并调整信用卡条款。
2024-05-09Ping An Bank will下线 'Ri Ri Sheng Jin' and 'Smart Deposit-Call Deposit' products on May 15, 2024, terminating related services.平安银行将于2024年5月15日下线“日日生金”、“智能存款-通知存款”产品，并终止相关业务。
2024-05-30Ping An Bank promoted 'Balloon Loan' repayment method for commercial-residential mortgage loans, with a fixed 20-year term and bullet repayment at maturity, subject to local regulatory policies.平安银行宣传“气球贷”还款方式，适用于个人商住两用房按揭业务，固定20年期、最后一期一次性偿还剩余本金，需符合当地监管政策。
2024-06-03Ping An Bank responded to media regarding its 'Balloon Loan' (a repayment method for commercial-residential mortgage), stating it is applicable only for commercial-residential properties; the product has been removed from shelves and may be rectified.平安银行就“气球贷”回应媒体，称该还款方式仅适用于商住两用房按揭，产品已下架，后续可能整改。
2024-06-28Ping An Bank credit card center revised cash withdrawal terms and added new channels, effective August 10.平安银行信用卡中心修订取现业务条款，新增取现办理渠道，自8月10日起启用。
2025-08-05Ping An Bank upgraded its internet business loan product 'Cheng e Dai' (橙e贷), raising the credit limit from RMB 200,000 to RMB 300,000 for individual consumers and self-employed households.平安银行升级互联网业务贷款产品“橙e贷”，将个人消费者及个体工商户的额度从20万元提升至30万元。
2026-01-04Ping An Bank launches a personal credit overdue inquiry function, in response to the PBOC's one-time credit repair policy announced on 2025-12-22, allowing customers to check overdue information on personal loans and credit cards.平安银行上线个人征信逾期查询功能，响应人民银行2025年12月22日公布的个人一次性信用修复政策，支持客户查询个人贷款、信用卡的征信逾期信息。
2026-01-22Ping An Bank credit card launches a fiscal discount interest subsidy program for credit card installment bills, with an annual subsidy rate of 1 percentage point and a maximum subsidy of RMB 3,000 per customer in 2026.平安银行信用卡上线账单分期财政贴息活动，年贴息比例1个百分点，2026年每客户至高可享3000元贴息。
Employee compensation & restructuring员工薪酬与重组
4 · 2024-05-10 → 2025-08-25
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Bonus cuts, salary declines, layoff rumors, and office relocation affecting employees.影响员工的奖金削减、薪资下降、裁员传闻和办公地点搬迁。
2024-05-10Multiple employees reported that monthly performance bonuses were cut across the board, with discounts ranging from 10% to zero, due to weak Q1 earnings.多名员工反映当月绩效奖金出现不同程度“打折”，幅度从9折到零发放不等，核心原因是公司一季度业绩不佳。
2024-07-06Ping An Bank denied rumors of disguised layoffs, stating that some Shanghai-based departments (credit card R&D, consumer finance R&D) are relocating to Shenzhen for office consolidation, affecting a small number of employees.平安银行否认变相裁员传闻，称部分上海部门（信用卡研发、消费金融研发等）迁至深圳是办公地点统筹管理，涉及少量员工。
2025-01-09Ping An Bank's 2023 average employee salary fell 8% year-on-year to 479,000 yuan, with total employee compensation decreasing by 1.382 billion yuan.平安银行2023年平均薪酬同比下降8%至47.9万元，应付职工薪酬减少13.82亿元。
2025-08-25Ping An Bank outlined cost-saving measures: closing inefficient branches, reducing branch floor space, adopting 'small first floor, large second floor' model, and renegotiating rents.平安银行推出降本措施：关停无效网点、缩减网点面积、推行“小一楼大二楼”模式、随行就市调整租金。
Non-performing loan (NPL) disposal & securitization不良贷款处置与证券化
11 · 2024-05-17 → 2026-05-19
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Ping An Bank issued NPL ABS, transferred NPL packages to asset management companies, and sold NPLs at deep discounts, ranking first among joint-stock banks.平安银行发行不良贷款ABS，向资产管理公司转让不良资产包，并以深度折扣出售不良贷款，在股份制银行中排名第一。
2024-05-17Ping An Bank issued 7 NPL ABS products in 2024 YTD, with total issuance of RMB 404 million, covering unpaid principal and interest of about RMB 4.995 billion, involving 56,921 borrowers.平安银行年内已发行7单不良资产支持证券（ABS），发行额度合计4.04亿元，未偿本息合计约49.95亿元，涉及借款人户数56921人。
2024-06-14Ping An Bank transferred certain creditor rights to China Cinda Asset Management Shaanxi Branch via a debt asset transfer contract signed June 4.平安银行与中国信达资产管理股份有限公司陕西省分公司签订债权资产转让合同，转让部分债权。
2025-01-03Ping An Bank disclosed the batch transfer of 16 personal non-performing loan asset packages with total outstanding principal and interest of 8.29 billion yuan, involving 109,952 borrowers.平安银行披露批量转让16期个人不良贷款资产包，未偿本息总额合计82.90亿元，涉及借款人109,952户。
2025-02-13In 2024, Ping An Bank issued 156 batches of personal non-performing loan transfers, totaling principal of 15.653 billion yuan, ranking first among joint-stock banks.2024年平安银行共发布156期个人不良贷款转让项目，本金总额156.53亿元，位居股份制银行首位。
2025-02-25Ping An Bank sold individual non-performing loans at a discount below 0.5% of face value in early 2025, highlighting asset quality pressure.2025年初平安银行以低于0.5折的折扣甩卖个人不良贷款，凸显资产质量压力。
2025-03-11Ping An Bank transferred a major non-performing loan package of Chongqing Zhenghong Langyuan Real Estate Development Co., Ltd., with principal and interest totaling approximately RMB 346 million, overdue for over 665 days.平安银行转让重庆正弘朗源置业发展有限公司重大不良贷款包，债务本息合计约3.46亿元，已逾期超过665天。
2025-04-15Ping An Bank launched a transfer of a non-performing personal consumer loan package (2025 batch 28) on the Banking Credit Asset Registration and Transfer Center, with unpaid principal and interest of 133 million yuan, 647 borrowers, starting bid 2.29 million yuan, auction on April 24, 2025.平安银行在银登中心挂牌转让2025年第28期个人不良消费贷款包，未偿本息1.33亿元，涉及647户借款人，起始价229万元，2025年4月24日竞价。
2025-08-20Ping An Bank transferred a batch of non-performing loan creditor rights to Hainan Xinchuangjian Asset Management Co., Ltd. under a creditor rights asset transfer contract.平安银行将一批债权资产转让给海南新创建资产管理股份有限公司，涉及主债权及相关协议项下全部权利。
2025-10-27Ping An Bank transferred non-performing loan claims totaling principal ~455.72 million yuan to China Cinda Asset Management Shenzhen branch via an asset transfer contract signed Oct 17, 2025.平安银行将合计本金约4.5572亿元的不良贷款债权转让给中国信达资产管理股份有限公司深圳市分公司，合同签署于2025年10月17日。
2025-12-16Ping An Bank disclosed plans to publicly transfer three batches of non-performing personal loan assets; year-to-date cumulative listed NPL principal sold totals approximately RMB 38 billion, with discounts as low as 0.08% of face value.平安银行拟公开转让三期个贷不良资产包；今年以来累计挂牌出售的个人不良贷款债权总额约380亿元，公开竞价折扣低至0.08折。
2026-05-19Ping An Bank published a distressed asset sale announcement on the Banking Credit Asset Registration and Transfer Center for 3 non-performing loan accounts involving Ao Yuan Group, with total claims exceeding RMB 1.064 billion, classified as 'loss' with weighted average overdue days over 1,500.平安银行在银登中心发布关于奥园集团有限公司等3户不良贷款项目招商公告，债权金额超过10.64亿元，五级分类为'损失类'，加权平均逾期天数超过1500天。
Awards & certifications奖项与认证
4 · 2024-06-19 → 2025-09-01
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Industry awards for market influence, ESG performance, and service excellence.市场影响力、ESG表现及服务卓越性行业奖项。
2024-06-19Ping An Bank won 'Most Respected Company' and multiple awards (Best CEO, Best CFO, Best Board) in Institutional Investor's 2024 All-Asian Executive Team.平安银行在《机构投资者》2024年度亚洲区最佳管理团队评选中荣获“最受尊敬企业”及最佳CEO、最佳CFO、最佳董事会等奖项。
2024-11-22Ping An Bank won the 'Annual Excellent Financial Institution Service Bank' award at the 21st Century Financial Annual Conference.平安银行在第十九届21世纪金融年会上荣膺“年度卓越金融机构服务银行”奖项。
2025-02-19Ping An Bank won the 'Annual Market Influence Institution' (ranked first) and 'Market Innovation Business Development Institution' awards from the China Foreign Exchange Trade Center for 2024, the fifth consecutive year.平安银行获中国外汇交易中心2024年度'年度市场影响力机构'（全市场第一）和'市场创新业务发展机构'称号，连续第五年蝉联。
2025-09-01Ping An Bank won the 'ESG Benchmark Enterprise Award' at the 3rd ESG New Benchmark Enterprise Selection by Securities Star, recognizing its performance in environmental, social and governance areas.平安银行在证券之星第三届ESG新标杆企业评选中荣获“ESG新标杆企业奖”，表彰其在环境、社会与公司治理方面的卓越表现。
Retail strategy & performance零售战略与业绩
3 · 2024-06-19 → 2025-09-01
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Retail NPL improvement, new retail head strategy, and credit card data disclosure.零售不良率改善、新任零售负责人战略及信用卡数据披露。
2024-06-19Ping An Bank disclosed Q1 2024 credit card data: receivables RMB 482.97 billion (down 6.1% QoQ), active card users 52.86 million, total spending RMB 604.42 billion.平安银行披露一季度信用卡数据：应收账款余额4,829.74亿元（较上年末下降6.1%），流通户数5,285.98万户，总消费金额6,044.21亿元。
2025-08-25Ping An Bank reported retail NPL ratio improved to 1.27% (down 12 bps vs end-2024), retail loan shrinkage slowed (Q2 only -RMB 3.1bn vs Q1 -RMB 38.1bn), and mid-yield loan daily issuance exceeded RMB 100 million.平安银行零售不良率降至1.27%（较上年末下降12个基点），零售贷款压降放缓（二季度环比仅降31亿元 vs 一季度降381亿元），中收益贷款日发放额超1亿元。
2025-09-01Ping An Bank's newly appointed retail head Wang Jun (former Shenzhen branch president) outlined retail strategy: prioritize profitability over scale, upgrade wealth management brand to 'Buy wealth management at Ping An, good wealth management made by Ping An', and leverage Ping An Group resources for asset allocation.平安银行新任零售行长助理王军（原深圳分行行长）阐述零售战略：提出“效益优先、兼顾规模”，升级理财品牌为“买理财找平安、好理财平安造”，借助平安集团资源提供资产配置方案。
Loan & credit facilities贷款与信贷安排
7 · 2024-06-24 → 2026-01-07
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Syndicated loans, revolving credit facilities, and structured deposit subscriptions.银团贷款、循环信贷额度及结构性存款认购。
2024-06-24Ping An Bank Hong Kong Branch granted a HKD 1.2 billion non-committed one-year revolving loan facility to Shenzhen Holdings Bay Area Financing (a subsidiary of Bay Area Development).平安银行香港分行向深圳投控湾区融资有限公司提供12亿港元的非承诺性一年期循环贷款授信。
2024-10-10Fudan Zhangjiang subscribed to 200 million yuan structured deposit product from Ping An Bank.复旦张江认购平安银行2亿元结构性存款产品。
2025-01-03Fudan Zhangjiang subscribed to a 200 million yuan structured deposit product from Ping An Bank using idle self-owned funds.复旦张江以自有闲置资金向平安银行认购2亿元结构性存款产品。
2025-02-18Ping An Bank Zhengzhou Branch approved its first 2025 syndicated loan for Zhengzhou Airport Zone Yuchuang Construction Development Co., supporting the 'Two Hospitals and One Center' project of Central Plains Medical Science City.平安银行郑州分行审批2025年首笔银团贷款，用于支持郑州航空港区豫创建设发展有限公司，助力中原医学科学城'两院一中心'项目。
2025-07-21Tongyuan Petroleum Technology Group applies for RMB 200 million comprehensive credit line from Ping An Bank Xi'an branch, with subsidiary Xi'an Huacheng providing joint liability guarantee.通源石油向平安银行西安分行申请综合授信2亿元，全资子公司西安华程提供连带责任担保。
2025-10-13Fudan Zhangjiang subscribed 220 million yuan of structured deposit products from Ping An Bank using idle working capital.复旦张江以日常营运闲置资金向平安银行认购2.2亿元人民币结构性存款产品。
2026-01-07Fudan-Zhangjiang (01349) subscribes to a RMB 270 million structured deposit product from Ping An Bank using idle self-owned funds.复旦张江(01349)以自有闲置资金向平安银行认购2.7亿元人民币结构性存款产品。
Corporate social responsibility (CSR) & community engagement企业社会责任与社区参与
4 · 2024-06-25 → 2026-06-10
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Ping An Bank donated financial literacy books, provided flood relief, and supported rural reconstruction projects.平安银行捐赠金融知识书籍、提供洪灾救援物资，并支持乡村重建项目。
2024-06-25Ping An Bank Shenzhen Branch jointly launched the 'Longhua Zhu'an Care Project' with Longhua District government, providing a co-branded card for construction workers.平安银行深圳分行与深圳市龙华区政府联合发布“龙华‘筑安’关爱项目”，面向建筑工人推出联名卡。
2025-01-13Ping An Bank donated financial literacy book 'Three-Minute Comic Financial Common Sense' to two Beijing primary schools, and received a 'Legal Publicity Excellent Cooperation Unit' certificate from China Legal Publishing House.平安银行向北京两所小学捐赠《三分钟漫画金融常识》图书，获中国法治出版社颁发“普法宣传优秀合作单位”证书。
2025-07-30Ping An Bank Beijing branch delivers emergency relief supplies (150 rice/oil packs, 200 cases of water, 100 cases of instant noodles) to flood-hit Miyun District, Beijing.平安银行北京分行向北京密云区洪灾地区运送救援物资，包括米面油150件、矿泉水200箱、方便面100箱。
2026-06-10Ping An Bank Ganzhou Branch donated RMB 235,800 to support the reconstruction of the village committee building in Haoxing Village, Xingguo County.平安银行赣州分行捐赠23.58万元支持兴国县豪兴村村部重建。
Fund distribution & asset management partnerships基金代销与资管合作
7 · 2024-06-26 → 2026-06-12
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Ping An Bank added fund distribution agreements, launched fee discount campaigns, and co-hosted ETF seminars with J.P. Morgan Asset Management.平安银行新增基金代销协议，推出费率优惠活动，并与摩根资产管理合办ETF研讨会。
2024-06-26Shanxi Securities signed a distribution agreement with Ping An Bank, authorizing it to sell certain funds starting July 1, 2024.山西证券与平安银行签署销售合作协议，授权平安银行自2024年7月1日起代理销售旗下部分基金。
2025-01-07Ping An Bank was added as a distributor for Morgan China A500 ETF-linked Fund Y-class shares (fund code: 022911).平安银行新增为摩根中证A500交易型开放式指数证券投资基金联接基金Y类份额（基金代码：022911）的代销机构。
2025-07-17Ping An Bank and J.P. Morgan Asset Management co-host 'ETF New Ecosystem under New Quality Productive Forces' seminar at Shanghai Stock Exchange, discussing long-term capital and ETF development.平安银行与摩根资产管理联合在上交所举办“新质生产力背景下的ETF新生态”主题研讨会，聚焦“长钱长投”与ETF发展。
2025-07-30Ping An Bank launches fee discount campaign for subscription and regular investment of designated fund products via its channels, effective from July 28.平安银行自7月28日起开展指定基金产品申购、定投费率优惠活动，通过口袋银行APP、网上银行等渠道享受折扣。
2025-08-19Ping An Bank announced it will stop offering subscription/regular-investment fee discounts on 10 fund products (including Dacheng, Guolian, Yinhua, etc.) on its retail channels from August 20, restoring original rates.平安银行宣布自8月20日起，对大成、国金、银华等10只基金产品在零售渠道停止申购、定投费率折扣活动，恢复原费率。
2025-10-09Ping An Bank added as sales agent for Changsheng Fund Management's funds; subscription fee discount of 10% offered from Oct 9, 2025.平安银行被长盛基金管理有限公司新增为旗下基金的销售机构；自2025年10月9日起申购费率享1折优惠。
2026-06-12Ping An Bank removed several funds (e.g., Huashang Quality Selection Mixed A, Rongtong Industry Trend Stock A) from its retail channel subscription/定投 fee discount programs, restoring original rates.平安银行将华商品质甄选混合A、融通产业趋势臻选股票A等多只基金移出零售渠道申购/定投费率折扣活动，恢复原费率。
Deposit rate adjustments存款利率调整
3 · 2024-07-26 → 2025-05-21
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Ping An Bank cut RMB deposit rates multiple times in 2024-2025, reducing demand and term rates to align with market trends.平安银行在2024-2025年多次下调人民币存款利率，降低活期和定期利率以顺应市场趋势。
2024-07-26Ping An Bank lowered RMB deposit rates: demand rate cut 5bp to 0.15%; 3-month/6-month/1-year fixed rates cut 10bp to 1.10%/1.35%/1.55%; 2-year cut 30bp to 1.60%; 3-year/5-year cut 20bp to 1.80%/1.85%.平安银行下调人民币存款利率：活期下调5个基点至0.15%；3个月/6个月/1年期下调10个基点至1.10%/1.35%/1.55%；2年期下调30个基点至1.60%；3年/5年期下调20个基点至1.80%/1.85%。
2024-10-19Ping An Bank cut RMB deposit rates: demand rate down 5bp to 0.1%; 3M/6M/1Y/2Y/3Y/5Y term rates down 25bp each.平安银行下调人民币存款利率：活期下调5个基点至0.1%，三个月至五年期定期均下调25个基点。
2025-05-21Cut deposit rates: demand to 0.05%; 3-month to 0.70%, 1-year to 1.15%, 3-year to 1.30%, 5-year to 1.35%.下调存款利率：活期至0.05%；三个月期至0.70%，一年期至1.15%，三年期至1.30%，五年期至1.35%。
SME & inclusive finance initiatives小微与普惠金融举措
8 · 2024-07-29 → 2025-08-28
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Ping An Bank launched '4+1' SME financial products, established special task forces, and extended fee waivers to support small businesses.平安银行推出'4+1'小微金融产品，设立专项工作组，并延长费用减免以支持小微企业。
2024-07-29Ping An Bank granted a 300 million yuan guarantee quota to Zhengzhou SME Financing Guarantee Co., Ltd. for inclusive finance business.平安银行给予郑州中小企业融资担保有限公司3亿元人民币担保额度，用于普惠金融业务。
2024-09-30Ping An Bank extended fee waiver policy for小微 (small and micro) enterprises and individual businesses, responding to industry association倡议 (initiative), with 'no reduction in service quality' commitment.平安银行对小微企业和个体工商户支付手续费降费政策继续延期，响应行业协会倡议，承诺“降费不降服务”。
2024-11-13Ping An Bank established a special task force for the SME financing coordination mechanism, launching '4+1' financial products (credit loan, guarantee loan, mortgage loan, sci-tech loan, and scenario-based solutions).平安银行成立小微企业融资协调工作专班，推出“4+1”金融产品（信用贷、担保贷、抵押贷、科创贷及场景化方案）。
2024-12-04Ping An Bank launched '4+1' financial products for小微 enterprises: credit loan, guarantee loan, mortgage loan, sci-tech loan, plus scenario-based solutions, under the national小微 enterprise financing coordination mechanism.平安银行推出适应小微企业的“4+1”金融产品（信用贷、担保贷、抵押贷、科创贷及场景化方案），落实支持小微企业融资协调工作机制。
2025-02-17Ping An Bank launched a '4+1' inclusive finance product system: four standard products (Keji Loan, Guarantee Loan, Credit Loan, Mortgage Loan) and one comprehensive solution (Scenario Loan).平安银行推出'4+1'普惠金融产品体系：四个标准产品（科创贷、担保贷、信用贷、抵押贷）和一个综合服务方案（场景贷）。
2025-02-24Ping An Bank Nanjing Branch used the PBOC's SME cash flow credit information sharing platform to approve a 1.8 million yuan loan for a water equipment company, a pilot case recognized by the central bank.平安银行南京分行利用人民银行中小微企业资金流信用信息共享平台，为一家水暖设备公司批复180万元授信，获央行认可。
2025-08-25Ping An Bank announced it is one of the designated financial institutions to implement the consumer loan and service industry loan interest subsidy policy, with internal working groups and product optimization underway.平安银行宣布作为国家指定的消费贷贴息政策承接金融机构之一，已成立工作组并推进产品优化和流程改进。
2025-08-28Ping An Bank announced it has begun implementing the service industry operator loan interest subsidy policy in accordance with the joint ministerial document (Finance [2025] No. 81).平安银行公告已依法依规推进服务业经营主体贷款贴息政策实施工作，依据财金〔2025〕81号文件执行。
Executive & governance高管与治理
8 · 2024-08-15 → 2026-05-22
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Board meetings, executive compensation, governance restructuring, and shareholder matters.董事会会议、高管薪酬、治理重组及股东事宜。
2024-08-15Board of Directors meeting approved the revision of the '2024 Risk Appetite Statement' and other proposals.董事会会议审议通过了修订《平安银行股份有限公司2024年度风险偏好陈述书》等议案。
2024-12-26Ping An Bank held the 12th Board of Directors 34th meeting,审议ing the 'Senior Management Bonus Settlement Plan' and other proposals, including revisions to consolidated management, internet loan committee charter, and internet loan business cooperation institution management measures.平安银行召开第十二届董事会第三十四次会议，审议《高级管理人员奖金结算方案》等议案，包括修订并表管理办法、互联网贷款管理委员会章程、互联网贷款业务合作机构管理办法等。
2025-01-17Ping An Bank's board secretary stated that China Ping An and its subsidiary hold 58% of the bank's shares, and China Ping An is studying policies regarding further shareholding.平安银行董秘表示，中国平安及其子公司合计持有本行58%股份，中国平安对相关政策保持研究。
2025-02-21Ping An Bank's board approved the 'Ping An Bank Retail Risk Model Management Measures'.平安银行董事会审议通过《平安银行零售风险模型管理办法》。
2025-05-232024 annual general meeting approved 10 proposals including profit distribution (99.77% support) and capital bond issuance plan.2024年年度股东大会审议通过10项议案，包括利润分配方案（支持率99.77%）和资本性债券发行规划。
2025-12-12Ping An Bank disclosed the 2024 performance bonus settlements for senior executives: President Ji Guangheng RMB 1.45 million, VP Xiang Youzhi RMB 1.5976 million, VP Yang Zhiqun RMB 2.2515 million; deferred payment over 3 years.平安银行披露部分高管2024年度绩效奖金结算：行长冀光恒145万元，副行长项有志159.76万元，副行长杨志群225.15万元；绩效薪酬将分3年延期支付。
2026-01-08Ping An Bank receives regulatory approval from the National Financial Regulatory Administration (NFRA) to amend its articles of association, abolishing the board of supervisors and transferring its powers to the board's audit committee; six supervisors are removed.平安银行获国家金融监督管理总局核准修改公司章程，撤销监事会，其职权由董事会审计委员会行使；叶望春等六名监事不再任职。
2026-05-22Ping An Bank held its 2025 annual general meeting, approving all 8 proposals including profit distribution, appointment of 2026 auditor, and related-party transactions, with 64.44% of total shares represented.平安银行召开2025年年度股东会，审议通过全部8项议案，包括利润分配方案、聘请2026年度会计师事务所、关联交易等，代表股份占总股本64.44%。
Special asset disposal特殊资产处置
1 · 2024-08-30
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Promotion conference for special asset disposal and platform launch.特殊资产处置推介会及平台发布。
2024-08-30Held 2024 special assets promotion conference in Suzhou, sharing the 'Smart Special Management and Tezi E' platform for special asset disposal; the special asset management department has disposed of nearly RMB 250 billion in non-performing assets since 2016.在苏州举办2024年特殊资产推介会，分享“智慧特管及特资e”特殊资产催清收一体化平台；特殊资产管理部自2016年以来已累计处置不良资产近2500亿元。
Interbank certificate of deposit (CD) issuance同业存单发行
3 · 2024-09-14 → 2024-12-18
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Ping An Bank issued multiple tranches of interbank CDs in 2024-2025, with yields declining from 1.93% to 1.64%.平安银行在2024-2025年发行多期同业存单，收益率从1.93%降至1.64%。
2024-09-14Ping An Bank issued 8.32 billion yuan of interbank negotiable certificate of deposit (24 Ping An Bank CD081) with a yield of 1.93% and 1-year tenor.平安银行发行83.2亿元同业存单（24平安银行CD081），发行收益率1.93%，期限1年。
2024-12-03Ping An Bank issued 2024 119th interbank certificate of deposit (24 Ping An Bank CD119), with issuance yield 1.7%, 1-year term, actual issuance volume 7.36 billion yuan.平安银行发行2024年第119期同业存单（24平安银行CD119），发行收益率1.7%，期限1年，实际发行量73.6亿元。
2024-12-18Ping An Bank issued 2024 129th interbank certificate of deposit (24 Ping An Bank CD129), actual issuance volume 10.05 billion yuan, latest yield 1.64%.平安银行发行2024年第129期同业存单（24平安银行CD129），实际发行量100.5亿元，最新收益率1.64%。
Supply chain & trade finance供应链与贸易金融
5 · 2024-09-19 → 2026-05-29
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Ping An Bank grew supply chain finance volume 30.6% YoY, won 'Best Trade Finance Bank in China', and launched battery L/C for new energy firms.平安银行供应链金融量同比增长30.6%，获得'中国最佳贸易金融银行'奖，并为新能源企业推出电池信用证。
2024-09-19Ping An Bank disclosed investor relations record: H1 2024 supply chain finance volume 725.318 billion yuan, up 30.6% YoY; green loan balance 158.589 billion yuan, up 13.6% from end-2023; personal deposit balance 1.290345 trillion yuan, up 6.9% from end-2023.平安银行披露投资者关系记录：2024年上半年供应链金融融资发生额7253.18亿元，同比增长30.6%；绿色贷款余额1585.89亿元，较上年末增长13.6%；个人存款余额12903.45亿元，较上年末增长6.9%。
2025-06-27Ping An Bank won 10 awards from The Asian Banker, including 'Best Trade Finance Bank in China' and 'Best Retail Marketing GenAI Application in Asia Pacific'.平安银行获《亚洲银行家》十项大奖，包括“中国最佳贸易金融银行”“亚太最佳零售营销生成式AI应用”。
2025-12-19Ping An Bank hosted the 'Digital Intelligence Integration · Bill Ecosystem Conference' in Shenzhen, with nearly 150 participants from state-owned enterprises, listed companies, and private firms, focusing on digital treasury and supply chain.平安银行在深圳主办“数智融通·票据生态大会”，近150位央国企、上市公司及民企代表参会，聚焦数智司库与供应链。
2026-04-27Ping An Bank hosted the 'Digital-Intelligent Integration · Bill Ecology Conference' in Chengdu, gathering ~70 enterprises and experts to discuss bill digitization and supply chain finance.平安银行在成都主办“数智融通·票据生态大会”，汇聚近70家企业和专家，探讨票据业务数字化与供应链金融创新。
2026-05-29Ping An Bank Huizhou Branch completed a RMB 200 million special battery letter of credit (Battery L/C) business for a key new energy battery enterprise in April 2026, achieving T+0 disbursement to solve supply chain funding needs.平安银行惠州分行为新能源电池领域重点企业落地一笔总额2亿元电池专项信用证业务，实现T+0出账，解决供应链资金周转问题。
Customer account policies客户账户政策
5 · 2024-09-30 → 2026-04-22
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Account cleanup, ID expiration freezing, and mortgage rate adjustments.账户清理、身份证过期冻结及房贷利率调整。
2024-09-30Ping An Bank announced it will formulate a plan to batch adjust existing mortgage rates, with detailed rules by October 12, 2024 and completion by October 31, 2024.平安银行公告将制定批量调整存量房贷利率实施方案，拟于2024年10月12日发布细则，2024年10月31日前完成调整。
2024-10-12Ping An Bank announced it will adjust LPR-based floating-rate mortgage loans with spreads above -30bp to no less than -30bp, effective October 25.平安银行宣布将于10月25日批量调整存量房贷利率，加点幅度高于-30BP的调整为不低于-30BP。
2025-12-29Ping An Bank established a special working group to implement the PBOC's one-time credit repair policy for individuals affected by the pandemic, and held a bank-wide mobilization meeting.平安银行成立专项工作小组，落实人民银行一次性信用修复政策，并召开全行动员部署大会。
2026-03-25Ping An Bank announced it will clean up dormant personal bank accounts starting June 1, 2026, targeting Class I accounts with zero balance and no transactions for over two years.平安银行公告拟于2026年6月1日起对连续两年以上未发生主动交易且资产为零的I类个人银行账户进行销户清理。
2026-04-22Ping An Bank announced measures to freeze accounts of customers with expired ID documents not updated within a reasonable period, per customer due diligence rules.平安银行公告称，根据客户尽职调查规定，对预留身份证件过期且未在合理期限内更新的客户账户采取管理措施。
System maintenance & service disruptions系统维护与服务中断
4 · 2024-10-08 → 2025-07-17
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Scheduled system upgrades and maintenance causing temporary service outages.计划内系统升级和维护导致临时服务中断。
2024-10-08Ping An Bank suspended quick redemption and consumption payment services for cash management wealth management products (Linghuobao, Tian Tian Cheng Chang C series) due to advance payment cap being reached; resumed on October 9.平安银行因垫支金额达到限额，暂停灵活宝、天天成长C系列等现金管理类理财产品的快速赎回和消费支付服务，预计10月9日恢复。
2024-10-09Ping An Bank stopped bank draft cashing via Industrial and Commercial Bank of China; drafts issued after Sep 30 can only be cashed at Ping An Bank branches.平安银行停止通过工商银行兑付银行汇票；9月30日后签发的汇票仅限平安银行网点兑付。
2025-01-06Ping An Bank scheduled a system maintenance window from 01:00-03:00 on January 4, 2025, causing intermittent service disruptions for multiple payment and banking channels.平安银行于2025年1月4日凌晨1:00-3:00进行系统维护，导致多项支付和银行业务功能中断。
2025-07-17Ping An Bank schedules system upgrade on July 20 from 02:30-03:30, briefly affecting corporate and retail electronic channels including online banking, mobile banking, third-party payments, and digital wallet.平安银行于7月20日凌晨2:30-3:30进行系统升级，短暂影响对公和个人电子渠道，包括网银、手机银行、第三方支付、数字钱包等。
Stock repurchase & increase loans股票回购与增持贷款
4 · 2024-10-20 → 2024-12-09
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Ping An Bank engaged with over 200 listed companies for stock repurchase and increase loans, with over 50 projects under review.平安银行与超200家上市公司接洽股票回购和增持贷款，50多个项目正在推进。
2024-10-20Ping An Bank reached a stock repurchase and increase loan cooperation意向 with listed company Jingji Zhinong under the new central bank facility.平安银行与上市公司京基智农达成股票回购增持再贷款合作意向。
2024-10-24Ping An Bank has engaged with over 200 listed companies for stock repurchase and increase loans, with over 50 in process, covering high-end manufacturing, biotech, transportation.平安银行已与超200家上市公司接洽股票回购增持贷款，超50家进入流程，涵盖高端制造、生物医药、交通运输等行业。
2024-12-02Ping An Bank issued a stock repurchase loan to a listed pharmaceutical and biotech company, dedicated to stock buybacks for equity incentives or employee stock ownership plans. It has established cooperation intentions with over 200 listed companies for stock repurchase and increase loans, with over 50 projects under review, over 70% in manufacturing (semiconductors, electronic components, biotech).平安银行为一家医药生物领域上市公司发放股票回购贷款，专项用于回购股票以实施股权激励或员工持股计划；已与超200家上市公司建立股票回购增持贷款合作意向，审批中项目超50家，70%以上为制造业（半导体、电子元件、生物科技）。
2024-12-09Ping An Bank Zhengzhou Branch issued a loan commitment letter to Xuchang Production Investment for increasing its stake in Henan Huanghe Whirlwind, providing a loan facility of up to 60 million yuan.平安银行郑州分行为许昌产投增持黄河旋风股份提供不超过6000万元贷款额度，并出具贷款承诺函。
Wealth management & private banking财富管理与私人银行
3 · 2024-10-23 → 2025-11-10
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Ping An Bank's private banking clients exceeded 100,000, won 'Best Private Bank' award, and launched the 'An + Xin' wealth management brand.平安银行私行客户突破10万户，获得'最佳私人银行'奖项，并推出'安+心'财富管理品牌。
2024-10-23Ping An Bank Private Bank won 'Best Private Bank' award at Global Finance China Star Awards.平安银行私人银行在《环球金融》中国之星评选中获“最佳私人银行”大奖。
2025-08-27Ping An Bank and Ping An Wealth Management jointly launched the 'An + Xin Wen Zhi Yuan' (安+心稳致远) wealth management product brand system and upgraded wealth management services.平安银行携手平安理财推出“安+心稳致远”全新理财产品品牌体系，升级理财服务。
2025-11-10Ping An Bank's private banking clients exceeded 100,000 for the first time at end-Q3 2025, becoming the 7th bank in China to reach this milestone (after ICBC, ABC, BOC, CCB, BoCom, CMB).平安银行三季度末私人银行客户首次突破10万户，成为继工、农、中、建、交及招商银行后第七家跻身“10万户俱乐部”的银行。
Sci-tech & innovation finance科技与创新金融
7 · 2024-10-29 → 2025-12-11
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Ping An Bank grew sci-tech enterprise loans by 24.6% YoY, won tech finance awards, and issued sci-tech bonds to support innovation.平安银行科技企业贷款同比增长24.6%，获得科技金融奖项，并发行科创债支持创新。
2024-10-29Ping An Bank Shenzhen Science Park Sub-branch recognized as a regulated 'science and technology sub-branch' by Shenzhen financial regulator.平安银行深圳科技园支行被深圳金融监管局认定为科技支行。
2024-12-26Ping An Bank disclosed that as of September 2024, it had 25,400 sci-tech enterprise customers with a loan balance of 138.363 billion yuan, up 15.8% from the beginning of the year.平安银行披露截至2024年9月末，科技企业客户数2.54万户，贷款余额1383.63亿元，较年初增长15.8%。
2025-01-22Ping An Bank's 'Sci-Tech Innovation Loan Assisting New Quality Productive Forces Development' case was selected as an outstanding case in the 2024 Greater Bay Area Sci-Tech Finance Application.平安银行“科创贷助新质生产力发展案例”获评2024大湾区科技金融应用优秀案例。
2025-03-13Ping An Bank Zhengzhou branch approved a RMB 100 million credit line for Henan Keyuan Electronic Aluminum Foil Co., Ltd., a specialized and new 'Little Giant' enterprise, under the new technology finance policy.平安银行郑州分行批复专精特新“小巨人”河南科源电子铝箔有限公司1亿元授信额度，为2025年新模式下首笔科技类企业贷款。
2025-03-28Ping An Bank Beijing branch signed a cooperation agreement with Changping District Government at the Science and Technology Innovation Finance Conference, committing to support technology enterprises.平安银行北京分行在科创金融大会上与昌平区政府签约，承诺支持科技创新企业。
2025-05-16Lead underwriter for BOE Technology Group's 2025 second tranche sci-tech bond (25京东方集MTN002), CNY 1B, 10-year, coupon 2.23%, 3.15x oversubscribed.牵头承销京东方科技集团2025年度第二期科技创新债（25京东方集MTN002），发行规模10亿元，期限10年，票面利率2.23%，超额认购3.15倍。
2025-12-11Ping An Bank disclosed that as of end-September 2025, it served 28,900 sci-tech enterprise clients (up 9.5% vs end-2024), and its sci-tech loan balance was RMB 297.529 billion (up 6.6% on a comparable basis).平安银行披露截至2025年9月末，服务的科技企业客户数达2.89万户（较上年末增长9.5%），科技贷款余额2975.29亿元（同口径较上年末增长6.6%）。
Digital government & institutional banking数字政务与机构金融
2 · 2024-12-11 → 2024-12-11
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Ping An Bank launched the 'Digital Intelligence Government Platform', integrated 52 products, and grew institutional deposits to over RMB 400 billion.平安银行推出'数智政务平台'，整合52个产品，机构存款突破4000亿元。
2024-12-11Ping An Bank launched the 'Ping An Digital Intelligence Government Platform' at the Digital Intelligence Government Conference, integrating 52 products into one platform, covering fiscal, social security, housing, judicial, and livelihood scenarios. It signed total-to-total partner agreements with 10 institutions including Boshi Software, Shenyue Software, and Guangdong Bankruptcy Administrator Association.平安银行在数智政务大会上发布“平安数智政务平台”，将52项产品整合为1个平台，覆盖财政社保、住建民生、司法生态等领域；与博思软件、神玥软件、广东省破产管理人协会等首批10家机构签署总对总合作伙伴协议。
2024-12-11Ping An Bank disclosed that its various government core qualifications exceeded 1,000 items, and institutional deposits exceeded 400 billion yuan.平安银行披露各类政府核心资格超1000项，机构存款突破4000亿元。
Capital management & market value资本管理与市值
3 · 2025-01-10 → 2025-11-21
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Perpetual preferred shares redemption, valuation enhancement plan, and market value management studies.永续优先股赎回、估值提升计划及市值管理研究。
2025-01-10Ping An Bank stated it will actively study market value management measures according to regulations, in response to an investor suggestion for a 10-for-5 stock dividend.平安银行回应投资者建议，表示将根据监管规定积极研究市值管理措施。
2025-03-14Ping An Bank announced a valuation enhancement plan, proposing to adhere to the retail bank positioning, optimize cash dividend ratio and frequency, and enhance investment and trading efficiency.平安银行发布估值提升计划，提出坚持零售银行定位，合理规划现金分红比例和频次，提升投资交易效率等举措。
2025-11-21Ping An Bank received regulatory no-objection to redeem its 2 billion shares of perpetual preferred shares (issued March 2016, 20B yuan) on the next dividend date, March 9, 2026.平安银行收到国家金融监督管理总局对赎回优先股的无异议答复，拟于2026年3月9日赎回2016年发行的2亿股境内优先股（规模200亿元）。
Fraud prevention & security欺诈防范与安全
4 · 2025-02-24 → 2026-04-10
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Interception of suspicious transactions, crackdown on financial black/gray industries, and credit card usage restrictions.拦截可疑交易、打击金融黑灰产业及信用卡使用限制。
2025-02-24Ping An Bank Shanghai Jinke Road Sub-branch successfully intercepted a suspicious transaction of 1 million yuan, receiving a commendation from public security authorities.平安银行上海金科路支行成功拦截一笔100万元可疑交易，收到公安机关表扬信。
2025-08-21Ping An Bank reiterated restrictions on credit card overdraft usage, prohibiting cash withdrawal through abnormal channels, investment in stocks/funds/real estate, business operations, and gambling.平安银行重申信用卡透支资金用途限制，禁止通过非正常渠道套现、投资股票/基金/房产、生产经营及博彩等领域。
2025-09-08Ping An Bank credit card division reported cracking down on financial black/gray industries: since September 2022, it has handled 665 cases, including 20 criminal cases, 28 administrative penalties, and 617 admonitions, covering over 60 cities. In the last two months, it facilitated 4 new criminal case filings.平安银行信用卡打击金融黑灰产：自2022年9月以来累计处置案件665起，包括刑事立案20起、行政处罚28起、训诫劝导617例，覆盖全国60多个城市；近两个月推动4起刑事立案。
2026-04-10Customer complaint: Ping An Bank auto finance center allegedly facilitated a fraudulent used-car loan; customer denied knowledge of vehicle purchase, bank demands repayment.客户投诉：平安银行汽车消费金融中心涉嫌协助办理欺诈性二手车贷款；客户称不知情购车，银行要求其继续还款。
Product promotions & regulatory compliance产品推广与合规
1 · 2025-06-09
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Marketing campaigns like LABUBU blind box deposit promotion and subsequent regulatory halt.营销活动如LABUBU盲盒存款推广及随后的监管叫停。
2025-06-09Ping An Bank launched 'Deposit for LABUBU blind box' promotion in multiple branches (min. RMB 50,000 deposit for 3-6 months).平安银行多地支行推出“存款送LABUBU盲盒”活动（最低5万元存3-6个月定期）。
Minority investments & stakes少数股权投资
4 · 2025-06-28 → 2025-08-28
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Equity investments in semiconductor, biomedical, and other companies.对半导体、生物医药等公司的股权投资。
2025-06-28Ping An Bank invested in Suzhou Jingfang Semiconductor Technology Co., Ltd. with a 2.45% stake.平安银行对外投资苏州晶方半导体科技股份有限公司，持股2.45%。
2025-08-13Ping An Bank made a minority equity investment (0.49%) in Shanxi Jinbo Biomedical Co., Ltd., a chemical raw materials and chemical products manufacturer.平安银行对外投资山西锦波生物医药股份有限公司，持股比例0.49%，该公司从事化学原料和化学制品制造业。
2025-08-23Ping An Bank made a minority equity investment (1.03%) in Anhui Honglu Steel Structure (Group) Co., Ltd., a metal products manufacturer.平安银行对外投资安徽鸿路钢结构（集团）股份有限公司，持股比例1.03%，该公司从事金属制品业。
2025-08-28Ping An Bank made a minority equity investment (0.7%) in Nuosige (Beijing) Pharmaceutical Technology Co., Ltd., a research and experimental development company.平安银行对外投资诺思格（北京）医药科技股份有限公司，持股比例0.7%，该公司从事研究和试验发展。
Industry events & roadshows行业活动与路演
1 · 2025-09-01
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Participation in data expo and investor roadshows.参与数据博览会及投资者路演。
2025-09-01Ping An Bank held roadshow events in Beijing and Shanghai on August 28-29, 2025, engaging domestic investors on its development strategy and operating performance.平安银行于2025年8月28-29日在北京和上海举办路演活动，与境内投资者交流发展战略与经营业绩。
Digital & data innovation数字与数据创新
2 · 2025-11-03 → 2025-12-31
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Data asset pledge loans, digital RMB loans, and credit bond index launches.数据资产质押贷款、数字人民币贷款及信用债指数发布。
2025-11-03Ping An Bank Guangzhou branch and Guangdong United Electronic Service Co., Ltd. (a national high-tech enterprise under Guangdong Transportation Group) completed the first 'data asset pledge + digital RMB loan' in the highway industry, used for data business upgrade.平安银行广州分行与广东交通集团下属国家高新技术企业广东联合电子服务股份有限公司落地高速公路行业首单“数据资产质押+数字人民币贷款”，用于数据业务迭代升级。
2025-12-31Ping An Bank Guangzhou Zhujiang New Town Sub-branch completed the first 'data asset pledge + digital RMB loan' in the highway industry for Guangdong United Electronic Service Co., Ltd., a national high-tech enterprise.平安银行广州分行珠江新城支行落地高速公路行业首单“数据资产质押+数字人民币贷款”，借款人为国家高新技术企业广东联合电子服务股份有限公司。
Rural revitalization & agricultural finance乡村振兴与农业金融
1 · 2026-04-23
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Regulatory assessment of rural services and agricultural insurance-linked loans.农村服务监管评估及农业保险关联贷款。
2026-04-23Ping An Bank's first agricultural insurance-linked loan (85万元) under 'insurance + credit' model landed in Zhanjiang Xuwen for pineapple farmers; policy insurance used as credit collateral.平安银行全行首笔农险保单业务在湛江徐闻落地，为菠萝种植户发放信用贷款85万元，采用“保险+信贷”模式，以政策性农险保单作为信用凭证。
