Ping An Bank's net profit in 2025 is projected to be 42.633 billion yuan, with a proposed cash dividend of 3.6 yuan for every 10 shares.

(Source: Financial News)

          In 2025, operating revenue is expected to be 131.442 billion yuan, a year-on-year decrease of 10.4%; net profit is expected to be 42.633 billion yuan, a year-on-year decrease of 4.2%.            

On March 20, Ping An Bank (000001.SZ) announced that in 2025, operating revenue is expected to be 131.442 billion yuan, a year-on-year decrease of 10.4%; net profit is expected to be 42.633 billion yuan, a year-on-year decrease of 4.2%. During the reporting period, affected by factors such as declining loan rates and business structure adjustments, retail business operating revenue decreased year-on-year; as asset and customer structure continued to optimize, retail asset quality gradually improved, retail business impairment losses decreased year-on-year, and net profit from retail business increased year-on-year.

The bank plans to distribute a cash dividend of 5.96 yuan (including tax) for every 10 shares based on a total share capital of 19.406 billion shares as of December 31, 2025, totaling a cash dividend distribution of 11.566 billion yuan. Of this, for the first half of 2025, a cash dividend of 2.36 yuan (including tax) was distributed for every 10 shares, amounting to 4.58 billion yuan; for the year-end of 2025, a cash dividend of 3.6 yuan (including tax) is planned for every 10 shares, totaling 6.986 billion yuan.

The announcement pointed out that the total cash dividend for 2025 is less than 30% of the net profit for the year, with key considerations including strengthening internal capital accumulation, meeting capital regulatory requirements, and ensuring stable business development. Specifically, by the end of 2025, the group’s core tier one capital adequacy ratio is expected to be 9.36%, and the bank needs to strengthen capital reserves to better adapt to capital regulatory reforms.

In addition, the announcement clearly states that the profit distribution plan for 2025 does not involve other risk warning situations. Among them, the bank’s net profit for the most recent accounting year is positive, and both the consolidated financial statements and the parent company’s financial statements show positive retained earnings at the end of the year. The cumulative total cash dividends from 2023 to 2025 amount to 37.318 billion yuan, with the cumulative cash dividend amount for the most recent three accounting years not less than 30% of the average annual net profit for the most recent three accounting years.

This profit distribution plan has been approved by the third meeting of the 13th Board of Directors of Ping An Bank and is subject to review by the annual shareholders’ meeting in 2025. If there are changes in the bank’s total share capital before the share registration date for implementing this profit distribution plan, the distribution ratio will be adjusted accordingly while keeping the total distribution amount unchanged.

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