Ping An Bank's Net Interest Income Decline Narrows in 2025, but Market Volatility Causes Non-Interest Income to Plunge

WealthCoffee · 2026-03-24T03:25:32+00:00

Ping An Bank has been implementing retail business reforms for over two years. Although high-yield assets have continued to decrease and some operational metrics have improved, non-interest income has fallen sharply due to bond market fluctuations, exerting pressure on its performance. In 2025, operating income was 131.442 billion yuan, a year-on-year decrease of 10.4%, marking three consecutive years of negative growth.

WealthCoffee

2026-03-24 03:25:32

Abstract generation in progress

Caixin: Ping An Bank (000001.SZ) has been promoting retail business reform for over two years. After continuously reducing high-yield, high-risk, and high-interest spread assets, some operational indicators in its capital-intensive business segments have shown signs of improvement. However, due to bond market fluctuations over the past year, Ping An Bank’s non-interest income has plummeted, and its performance remains under pressure.

The financial report released on the evening of March 20 shows that in 2025, Ping An Bank achieved operating revenue of 131.442 billion yuan, a year-on-year decrease of 10.4%. This marks the third consecutive year of negative revenue growth for Ping An Bank. In 2023, the bank’s revenue first declined year-on-year by 8.4%; in 2024, the decline widened to 10.9%. For the full year of 2025, the bank’s revenue decline narrowed by 50 basis points (BP) year-on-year.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.