Company Encyclopedia
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name
PAB
000001.SZ
Ping An Bank Co., Ltd. provides commercial banking products and services for individual and corporate customers, government agencies, institutions, and other small businesses in China and internationally. The company operates through three segments: Wholesale Banking Business, Retail Banking Business, and Other Businesses. The company’s deposits and accounts products include accepts deposits; corporate deposits; safe deposit box; and foreign currency deposit.
14.831 T
000001.SZMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
C
Diversified BanksIndustry
Industry Ranking11/20
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE7.90%B
    • Profit Margin46.36%A
    • Gross Margin0.00%E
  • Growth ScoreD
    • Revenue YoY-7.85%D
    • Net Profit YoY-12.49%D
    • Total Assets YoY0.36%C
    • Net Assets YoY5.60%B
  • Cash ScoreD
    • Cash Flow Margin243.24%C
    • OCF YoY-7.85%D
  • Operating ScoreE
    • Turnover0E
  • Debt ScoreA
    • Gearing Ratio0.00%A

Valuation analysis

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Institutional View & Shareholder

Analyst Ratings

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    News
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    "Not enough cash flow? Transferring money among friends and family can meet the standard," the interest rate for business loans has fallen below 2.5%

    Against the backdrop of weak mortgage loan demand and pressure on retail businesses, many banks are turning their attention to small and micro business owners who own properties and business licenses. The interest rates for operating loans continue to hit new lows, with most banks able to offer rates below 2.5%, and institutions like PAB and Zhuhai China Resources Bank even reaching historical lows of around 2.3%. Some bank staff have indicated that if a company's cash flow is insufficient, it can meet the requirements through transfers among friends and family. Some unscrupulous intermediaries use the lure of quick loan approvals to entice consumers into illegally obtaining operating loans and charging intermediary fees

    Wallstreetcn·
    SZ
    000001
    +0.35%
    Wallstreetcn·
    SZ
    000001
    +0.35%

    For the first time, a bank has canceled its five-year fixed deposit product and also lowered interest rates for other terms. What is the situation?

    Inner Mongolia Tuyang Mengyin Village Bank announced that it will cancel its five-year fixed deposit product starting from November 5, 2025, and will lower the interest rates for other terms, becoming the first commercial bank to explicitly remove this product. Many small and medium-sized banks have also lowered deposit rates, with some private banks experiencing "sold out" or removal of medium- and long-term deposit products. This series of adjustments reflects the transmission of pressure on bank interest margins, which may affect subsequent loan rates and the flow of funds

    Wallstreetcn·
    SH
    600016
    -0.50%
    HK
    01988
    -0.70%
    SH
    601916
    -0.97%
    Wallstreetcn·
    SH
    600016
    -0.50%
    HK
    01988
    -0.70%
    SH
    601916
    -0.97%

    According to reports, PAB and other Chinese banks are organizing a USD 1.4 billion loan to assist Boyu in acquiring Starbucks' China business

    Ping An Bank, INDUSTRIAL BANK, and China Minsheng Bank are organizing a syndicate loan of approximately USD 1.4 billion to assist Boyu Capital in acquiring a 60% stake in Starbucks China. The loan has a term of 7 years, and the terms are still under negotiation, with the list of participating banks yet to be determined. The funds will be used to pay for the acquisition and for the working capital and expansion needs of the new joint venture. Both domestic and foreign banks are competing to participate in this acquisition financing project

    AASTOCKS·
    SH
    601166
    -0.34%
    SZ
    000001
    +0.35%
    AASTOCKS·
    SH
    601166
    -0.34%
    SZ
    000001
    +0.35%

    Insurance funds "buy buy buy," holding A-share market value exceeding 650 billion yuan

    Since the beginning of this year, the equity investment model of insurance funds has received significant attention. With the disclosure of the third-quarter reports of A-share listed companies coming to an end, insurance institutions have increased their holdings in A-shares by 14% compared to the end of the second quarter, with a total holding market value exceeding 650 billion yuan

    Wallstreetcn·
    SZ
    000001
    +0.35%
    Wallstreetcn·
    SZ
    000001
    +0.35%

    Multiple banks have raised the minimum investment amount for accumulation gold business to prevent excessive market speculation

    Multiple banks have raised the minimum investment amount for accumulation gold business to prevent excessive market speculation. International gold prices have fluctuated sharply, and some banks have increased the minimum investment amount to over 1,000 yuan, with the highest increase nearing 20%. For example, PAB has raised the minimum investment amount from 900 yuan to 1,100 yuan, INDUSTRIAL BANK from 1,000 yuan to 1,200 yuan, and ICBC from 850 yuan to 1,000 yuan. These changes reflect the industry's response logic amid escalating market risks

    Zhitong·
    SH
    601166
    -0.34%
    SH
    601398
    -0.75%
    HK
    01398
    +1.77%
    Zhitong·
    SH
    601166
    -0.34%
    SH
    601398
    -0.75%
    HK
    01398
    +1.77%
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