中國平安(02318.HK)：平安銀行前三季度純利增長15.5%至236.21億元
格隆匯10月21日丨中國平安(02318.HK)公佈控股子公司平安銀行(000001.SZ)2019年前三季度業績，平安銀行營業收入1029.58億元人民幣，同比增長18.8%；歸屬於平安銀行股東的淨利潤236.21億元，同比增長15.5%；每股收益1.32元。
期間利息淨收入662.69億元，同比增長21.5%；非利息淨收入366.89億元，同比增長14.2%。減值損失前營業利潤717.09億元，同比增長19.0%；淨利潤236.21億元，同比增長15.5%；2019年1-9月淨利差、淨息差分別為2.54%、2.62%，與去年同期相比均提升33個基點，盈利能力保持穩定。
2019年9月末，本行資產總額37,076.83億元，較上年末增長8.5%；吸收存款餘額22,911.72億元，較上年末增長7.6%；發放貸款和墊款總額（含貼現）21,511.67億元，較上年末增長7.7%，其中個人貸款（含信用卡）佔比59.2%，較上年末提升1.4個百分點。
2019年1-9月，本行持續貫徹“零售突破”的策略方針，深化綜合金融優勢，構建以AI為內驅的零售“3+2+1”經營策略，發力基礎零售、私行財富與消費金融“3大業務模塊”，提升風險控制與成本管理“2大核心能力”，推動以AI為核心的“1大平台”持續賦能，各項轉型工作穩步推進。
同時，本行零售業務以客户為中心，加快客户體驗優化的步伐。通過持續優化NPS（客户淨推薦值NetPromoterScore）監控調研系統平台，完善客户NPS監測管理，在網點、網上銀行、手機銀行等各個渠道，實施每日客户體驗觸點NPS調研工作，傾聽客户聲音，改善體驗痛點等舉措，為客户打造更智能、更極致的服務。
公告顯示，2019年9月末，本行管理零售客户資產（AUM）18,721.78億元，較上年末增長32.1%；個人存款餘額5,595.68億元，較上年末增長21.2%；本行零售客户數9,366.33萬户，較上年末增長11.6%；平安口袋銀行APP註冊客户數8,123.41萬户，較上年末增長30.5%，月活客户數2,986.50萬户，較上年末增長15.4%。
2019年9月末，本行財富客户74.84萬户，較上年末增長26.5%；私行達標客户（私行客户標準為客户近三月任一月的日均資產超過600萬元）4.09萬户，較上年末增長36.2%，私行達標客户AUM規模6,693.76億元，較上年末增長46.2%。
此外，2019年9月末，個人貸款餘額12,733.15億元，較上年末增長10.3%。2019年9月末，本行個人貸款不良率1.07%，較上年末持平。2019年9月末，本行信用卡流通卡量5,839.38萬張，較上年末增長13.3%；信用卡貸款餘額5,189.93億元，較上年末增長9.7%。2019年1-9月，信用卡總交易金額24,542.75億元，同比增長27.5%；信用卡商城交易量同比增長23.6%。
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