Ping An Bank Co., Ltd.

Chinese commercial bank serving retail and corporate customers

What Ping An Bank does

Ping An Bank is a Chinese commercial bank headquartered in Shenzhen, founded in 1987. It takes deposits from and lends to individuals, companies, small businesses, government agencies, and institutions, both inside China and across borders. Alongside basic banking, it handles payments and settlement, trade finance, cash management, wealth management, and bank cards.

How Ping An Bank makes money

The bank earns primarily from the spread between interest paid on deposits (demand, time, structured, foreign currency) and interest charged on loans (working capital, mortgage, syndicated, real estate development, SME revolving credit). It supplements this with fee income from settlement, trade finance, cash management, custody, e-banking, bank cards, and wealth management services.

Products & services

• Corporate loans (working capital, fixed asset, syndicated, commercial property mortgage)
• Deposit products (demand, time, structured, foreign currency, corporate)
• Online banking revolving loans for SMEs
• Trade finance and cross-border/offshore financing
• Cash management and settlement services
• Bank cards and wealth management services