Revenue and net profit have fallen for two consecutive years, Ping An Bank's interest margin has narrowed, retail sales have stabilized, non-interest, net interest margin, net income, Ping An Bank
From March 21
Personal tax refund for 2025
Can be processed without reservation
The editor has compiled it for everyone
Individual tax refund application portal + complete guide
Come and take a look↓↓↓
Individual tax refund processing time and processing conditions
Processing time
Personal tax settlement time for 2025: March 1 to June 30, 2026
Appointment-free processing time for individual tax settlement in 2025: March 21 to June 30. Taxpayers do not need to make an appointment and can handle it at any time.
Required conditions
If one of the following circumstances is met, taxpayers need to handle annual settlement:
(1) The amount of prepaid tax is greater than the annual final tax payable and a tax refund is applied for;
(2) The comprehensive income obtained during the tax year exceeds 120,000 yuan and the amount of back tax required exceeds 400 yuan.
If a taxpayer has prepaid personal income tax in accordance with the law during the tax year and meets one of the following circumstances, it is not necessary to conduct annual settlement:
(1) The annual final calculation requires tax payment but the comprehensive income does not exceed 120,000 yuan for the whole year;
(2) The amount of tax to be paid in the annual final calculation does not exceed 400 yuan;
(3) The amount of prepaid tax is consistent with the annual final tax payable;
(4) Those who meet the conditions for annual tax refund but do not apply for tax refund.
Attention friends who have year-end bonuses
Choosing the right tax calculation method for year-end bonus
You can get thousands more!
How to choose the tax calculation method for year-end bonus
Year-end bonus tax calculation method
Method 1: Separate tax calculation
The year-end bonus will not be incorporated into the current year's wages and salaries, and the tax will be calculated separately according to the method of "dividing by 12 months".
Method 2: Incorporate into comprehensive income tax calculation
The year-end bonus and the annual salary, labor remuneration and other income are combined together, and after deducting the 60,000 yuan threshold, three insurances and one housing fund, special additional deductions, etc., the tax is calculated according to the annual comprehensive income tax rate table.
1️⃣If you choose to incorporate the annual one-time bonus into the comprehensive income of the year:
The first step is to calculate the taxable income on comprehensive income.
The second step is to find the applicable tax rate.
The third step is to calculate the annual tax payable on comprehensive income.
2️⃣ If you choose to calculate separate tax for one-time bonus throughout the year:
The first step is to convert the annual one-time bonus into monthly bonus income.
36000÷12=3000 yuan;
The second step is to find the applicable tax rate for the annual one-time bonus.
From the comprehensive income monthly tax rate table, find that the corresponding tax rate for 3,000 yuan is 3%, and the quick calculation deduction is 0;
The third step is to calculate the tax payable on the annual one-time bonus.
36000×3%-0=1080 yuan;
The fourth step is to calculate the taxable income from wages and salaries.
The fifth step is to find the applicable tax rate for wages and salaries.
The sixth step is to calculate the tax payable on wages and salaries.
The seventh step is to calculate the annual tax payable on comprehensive income.
1080+8280=9360 yuan.
After comparison, it can be seen that Xiao Zhang pays less tax if he chooses to calculate taxes separately. He can choose to apply the preferential personal income tax policy for annual one-time bonuses to reduce his tax burden.
Individual tax refund processing entrance and process
Check in
2025 personal tax refund processing portal: Personal Income Tax App
Operation process:
1. Log in to the Personal Income Tax App, view the topic [2025 Comprehensive Income Annual Summary], and click [Start Declaration].
Source: Shaanxi Taxation (the same below)
2. Or in the [Process & Check] function, click [Annual Comprehensive Income Summary], select the reporting year [2025], and enter the annual summary.
3. Taking standard declaration as an example, please read the declaration instructions carefully before declaring and click [I have read and understand].
4. Enter the basic information interface, check [Basic Personal Information], select or confirm [Employment Unit], and click [Next]. If you do not have an employer, you can select your main source of income, place of household registration, or place of habitual residence.
5. Enter the income and pre-tax deduction interface. Please remind everyone that when the annual one-time bonus is calculated annually, please follow the system prompts and click to enter [Salaries] to confirm.
You can choose to use the bonus tax calculation method to calculate the "one-time bonus throughout the year" [comprehensive income tax], or choose one of
Separate tax calculation].
6. Enter the tax calculation interface. After you have verified the income, expenses, tax-free income and pre-tax deductions, etc., click directly
Next step】Enter the tax calculation interface.
7. The system will automatically calculate your
Amount of tax payable] or
Tax Refund Amount] and is displayed on the lower left.
8. After the declaration is successful, if a tax refund is required, jump to the tax refund page.
9. If you need to pay back taxes, jump to the tax payment page.
If you want to know more about personal tax refund
Processing procedures, tax refund deduction standards,
Individual tax thresholds and other content
Interest income continues to decline, and non-interest income turns from increase to decrease. Ping An Bank's net profit in 2025 is still under pressure.
The 2025 annual report of Ping An Bank (000001.SZ) disclosed on the evening of March 20 showed that the bank’s operating income and net profit (net profit attributable to shareholders of the bank, the same below) last year continued to decline by 10.4% and 4.2% year-on-year. Compared with the previous year, the decline in the bank's operating income last year slowed down, while the decline in net profit was basically the same.
The reduction in the loan market prime rate (LPR) and the contraction of interest income caused by insufficient effective demand are still the main factors affecting revenue and profits. Last year, the bank's net interest income and non-interest net income fell by 5.8% and 18.5% respectively year-on-year.
However, positive factors have emerged. Last year, the bank's net interest margin fell by 9 basis points, a sharp 42 basis points narrower than the decline in 2024. The retail business, which has been in the throes of adjustment in recent years, has also shown signs of stabilizing, and its net profit has increased significantly compared with the previous year.
Interest spreads narrowed
Annual report data shows that as of the end of 2025, Ping An Bank's total assets were approximately 5.93 trillion yuan, a year-on-year increase of 2.7%; its deposit and loan balances were 3.58 trillion yuan and 3.39 trillion yuan, respectively, a year-on-year increase of 1.4% and 0.5%.
Compared with the previous year, the bank's operating income last year still declined, but the decline narrowed, while the decline in net profit was basically the same.
Last year, the bank achieved operating income of 131.44 billion yuan, a year-on-year decrease of 10.4%; net profit was 42.63 billion yuan, a year-on-year decrease of 4.2%. In 2024, the bank's revenue and net profit dropped by 10.9% and 4.2% respectively.
The year-on-year decline in revenue and profits was related to the decline in non-interest income. For the whole of last year, the bank's non-interest net income was 43.421 billion yuan, a year-on-year decrease of 18.5%. In the previous year, this figure was 53.268 billion yuan, a year-on-year increase of 14%.
The largest decline was in other non-interest net income, with a total scale of 19.527 billion yuan, a year-on-year decrease of 33%. Ping An Bank explained that this was mainly due to the decline in non-interest net income from bond investment and other businesses due to market fluctuations in 2025. Among them, the largest decrease was the gain and loss from changes in fair value, which was a floating loss of 2.518 billion yuan, a year-on-year decrease of 181.1%.
Compared with non-interest income, the factor that has the greatest impact on performance is still interest income. The annual report shows that for the whole of last year, the bank’s interest income was approximately 169.86 billion yuan, a year-on-year decrease of 14.4%. Among them, deposit interest income was 130.5 billion yuan, a year-on-year decrease of 15.4%. This resulted in the bank's net interest income last year falling 5.8% year-on-year to 88.021 billion yuan.
The main reason for the decline in interest income comes from the narrowing of interest spreads. In 2025, the bank's average loan yield will be 3.87%, a year-on-year decrease of 67 basis points, of which the average corporate and personal loan yields will be 3.05% and 4.79%, respectively, a year-on-year decrease of 51 and 77 basis points.
In this regard, Ping An Bank explained that this is because the bank has increased credit support for key industries, regions and customers, increased the proportion of high-quality customer groups, and driven the continuous optimization of customer group structure and asset structure; secondly, due to the decrease in the loan market quoted interest rate (LPR), coupled with the lack of effective credit demand, the interest rate of new loans continued to decline, coupled with the impact of factors such as interest rate adjustments and repricing of existing mortgage loans, the loan yield declined year-on-year.
During the same period, the bank's interest expenses in 2025 will be 81.84 billion yuan, a year-on-year decrease of approximately 23.1 billion yuan, a decrease of 22%. Deposit interest expenses fell from 72.3 billion yuan in the previous year to 59.4 billion yuan, a decrease of nearly 13 billion yuan, a decrease of 17.9%; the average interest payment rate of interest-bearing liabilities was 1.67%, a year-on-year decrease of 47 basis points; the average interest payment rate of deposits was 1.65%, a year-on-year decrease of 42 basis points, but both were lower than the decline in loan yields.
Under this circumstance, the bank's net interest margin and net interest margin also dropped by 0.09 and 0.07 percentage points year-on-year to 1.78% and 1.76% respectively.
The bank expects that in the context of asset repricing and support for the real economy, there will still be downward pressure on net interest margins, but the downward trend is expected to slow down. It will continue to strengthen asset and liability portfolio management, refine pricing management, and provide forward-looking guidance to mitigate the downward trend in interest margins. On the asset side, we will continue to allocate large categories of assets and encourage high-quality credit; at the same time, we will strengthen market research and judgment, flexibly and dynamically allocate interbank assets, and improve the efficiency of capital utilization. On the liability side, we focus on guiding the absorption of low-cost deposits, controlling high-cost deposits, and making every effort to control and reduce overall liability costs.
However, positive factors have emerged. The bank's net interest margin decline last year has slowed significantly. In 2024, the bank's net interest margin and net interest margin will be 1.87% and 1.83% respectively, a decrease of 0.51 percentage points and 0.48 percentage points compared with 2023.
Retail profits stop falling and stabilize
After more than two years of adjustments, Ping An Bank’s retail business performance has shown signs of stabilizing.
Annual report data shows that last year, the bank's retail business achieved operating income of 61.26 billion yuan, operating profit before impairment of 40.83 billion yuan, total profit of 3.22 billion yuan, and net profit of 2.68 billion yuan. Compared with the previous year, the latter two indicators increased by 2.864 billion yuan and 2.394 billion yuan respectively, a year-on-year increase of more than 800%, and their proportion in the total net profit increased from 0.6% to 6.3%.
Such changes are mainly due to the decrease in the scale of asset impairment. Last year, the bank's retail credit and other asset impairment losses totaled 37.57 billion yuan, a year-on-year decrease of nearly 11.2 billion yuan, and a drop of more than 22% from the previous year's 48.7 billion yuan.
In addition, the non-performing ratio of Ping An Bank's personal loans also dropped from 1.39% at the end of 2024 to 1.23% at the end of last year, a year-on-year decrease of 0.16 percentage points. In addition to operating loans, the non-performing ratios of personal housing mortgages, credit cards, consumer loans and other loans fell by 0.19, 0.32 and 0.23 percentage points respectively year-on-year.
Wealth management income in the retail business also saw considerable growth. Last year, Ping An Bank's wealth management fee income was 5.06 billion yuan, a year-on-year increase of 15.8%; of which, personal insurance agency income was 1.292 billion yuan, a year-on-year increase of 53.3%; personal financial management agency income was 1.287 billion yuan, a year-on-year increase of 8.8%; personal fund agency income was 2.290 billion yuan, a year-on-year increase of 8.9%.
The annual report shows that Ping An Bank’s asset quality continues to improve slightly. As of the end of last year, the bank's non-performing loan ratio was 1.05%, a year-on-year decrease of 0.01 percentage points; the non-performing loan generation rate was 1.63%, a year-on-year decrease of 0.17 percentage points.
During the same period, the bank's proportion of overdue loans also declined. As of the end of last year, the bank's focus on loans accounted for 1.75%, a decrease of 0.18 percentage points from the end of the previous year; overdue loans accounted for 1.34%, a decrease of 0.18 percentage points from the end of the previous year; the deviations of loans overdue for 60 days and more than 90 days were 0.67 and 0.56 respectively; the credit and other asset impairment losses for the year were 40.56 billion yuan, a year-on-year decrease of 17.9%.
Ping An Bank said that this was mainly due to the overall macroeconomic stability and progress. The bank continued to optimize its business structure, strengthened the collection of non-performing assets, achieved results in risk management and control of key large accounts, and reduced overall impairment provisions. Among them, the total amount of non-performing assets recovered was 36.798 billion yuan, including the principal of written-off non-performing assets of 19.11 billion yuan; and 97.2% of the recovery amount was cash recovery.
1. You can delete a single address bar record through the keyboard; 2. Clear all browsing history and cache in the settings; 3. Turn off the address bar search and association function; 4. Set the history to be automatically cleared when exiting, effectively managing the content of the 360 browser drop-down list.
If you find that unwanted browsing history or search terms are displayed in the address bar drop-down list when using it, it may be because the historical data has not been cleared in time or the relevant functions are turned on. Here's how to manage this content.
The running environment of this article: Pro 16, Windows 11
1. Delete address bar drop-down records one by one
This method is suitable for those who only want to remove specific historical access entries and retain other commonly used records. You can quickly locate and delete a single piece of content through keyboard operations.
1. Click the address bar at the top of 360 and wait for the drop-down list to expand.
2. Use the up and down arrow keys on the keyboard to position the cursor on the URL record that needs to be deleted.
3. Press the Delete key and the item will be removed from the drop-down list immediately.
2. Clear all browsing history and cached data
This method can clear a variety of online traces including address bar records at one time, and is suitable for users who want to comprehensively clean up their private data.
1. Click the menu button (three horizontal lines icon) in the upper right corner of the browser and select the "Settings" option.
2. In the settings page, enter the "Privacy and Security" or "Advanced Settings" area.
3. Click "Clear Browsing Data" or "Clear Internet Trace Settings".
4. In the pop-up window, select "All" for the time range, and check options such as "Browsing history", "Cache files", "Cookies and other website data".
5. Click the "Clean Now" button and wait for the system to complete the cleaning process.
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3. Disable the address bar search and association function
Turning off the association function can prevent new recommended words and search suggestions from appearing in the drop-down list, fundamentally reducing unnecessary prompt content.
1. Open 360 Browser, click the "three horizontal" menu icon in the upper right corner, and enter "Settings".
2. Find "Basic Settings" or "" related options in the left or upper navigation bar.
3. Find the function switch of "Address bar search shows associated words" or a similar description.
4. Uncheck this option and the system will automatically save the changes without manual confirmation.
4. Set to automatically clear history when exiting
After the automatic cleaning function is enabled, the specified browsing data will be automatically deleted every time the browser is closed, ensuring that the drop-down list does not accumulate records for a long time.
1. Enter the "Settings" interface of 360 Browser and select the "Privacy and Security" category.
2. Find the option "Automatically clear the following browsing history when closing the browser" and enable it.
3. Check "Browsing History", "Entered URLs" and other related items in the list below.
4. After completing the settings, the system will automatically perform cleaning tasks every time you exit the browser.
Shanghai’s mental health service model is innovated again. During the spring equinox, all things sprout. With the theme of "Nourishing the Four Seasons and Enchanting the Mind", an art therapy and popular science activity on the spiritual growth of children and adolescents was held at the Shanghai Theater Academy. At the scene, the city's music and art therapy standardization work was officially launched. This is one of the key measures since the establishment of the Shanghai Medical Doctors Association's Music and Art Therapy Special Committee.
This event brought together experts and scholars in the fields of medicine, art, education and other fields, and attracted nearly 300 primary and secondary school psychology teachers, educators and citizens from various districts to participate. As the vice president of the Music and Art Healing Committee of the Shanghai Medical Doctors Association, erhu performer Ma Xiaohui brings an immersive healing music performance, leading everyone to embark on a spiritual journey through music that blends medicine and art.
For a long time, due to the lack of unified standards in the field of art therapy, there have been problems such as superficiality and insufficient professional support. The launch of standardization construction will pave a professional channel for the development of art therapy, making art therapy truly an effective support for the mental health of children and adolescents. As the vice-chairman of the special committee, Wang Yong, dean of the Shanghai University School of Music, detailed the standardization work plan, making it clear that he will sort out international cutting-edge experience, take root in local Chinese practices, define standards for professional healing practices and skill levels, and gradually implement healing norms in the fields of music, dance, drama, calligraphy and painting, and promote art healing from perceptual experience to scientific intervention.
Professor Xu Jianguang, vice president of the Chinese Medical Doctor Association and honorary president of the Shanghai Medical Doctor Association, said that the integration of art and medicine has opened up a new path for protecting children's innocence. He called on all parties in society to gather forces to weave a warm network to protect the mental health of children and adolescents, and build a more complete mental health support system.
In order to adapt to the spiritual growth rhythm of children and adolescents of different ages, this event has four major chapters based on the four seasons. Targeting preschool children, primary school students, junior high school students, and late adolescent groups between 15 and 18 years old, doctors from many tertiary hospitals in Shanghai jointly bring a set of art therapy "demonstration courses".
Xie Bin, chairman of the Music and Art Therapy Special Committee of the Shanghai Medical Doctors Association, said that the core of art therapy is not to cultivate artists, but to allow children to become themselves better under the protection of art and build a bridge to the heart. "The special committee brings together professional forces from all fields in Shanghai to serve as both a professional supporter of children and adolescents' mental health and a warm lamplighter, using the light of art to illuminate the hidden corners of children's hearts."
This event is an important step taken by Shanghai in innovating its mental health service model. The Shanghai Medical Doctors Association's Music and Art Healing Special Committee stated that it will bring together "medicine" and "art" forces to promote art therapy into hospitals, campuses, and communities, so that professional healing services can become a new force in the construction of the city's "emotional economy."
On March 20, the Night of Friendship·Kong Xiangdong×NYU Shanghai 2026 Spring Sound Concert was played warmly at the Cadillac Shanghai Concert Hall. At the end of the performance, the audience ushered in the most touching moment: under the leadership of Kong Xiangdong, Chinese and foreign artists, young students on the stage and nearly a thousand audience members sang "The Same Song" in unison. The singing transcended language, regional and cultural differences and became the warmest resonance of the night, pushing the atmosphere to the climax.
As an important main performance project of the 41st Shanghai Spring International Music Festival, this concert is led by the famous pianist Kong Xiangdong and jointly performed by teachers and students of NYU Shanghai. It uses music to build a bridge for cultural exchanges between China and foreign countries and highlights the diverse charm of artistic education and urban culture.
The performance coincides with the 40th anniversary of Kong Xiangdong's stage career, integrating classic melodies with humanistic sentiments. Nearly 170 Chinese and foreign teachers and students from the NYU Shanghai Symphony Orchestra, Jazz Band, and Chorus presented on the same stage. The collision and blending of Eastern and Western musical elements not only demonstrated professional artistic standards, but also became a vivid practice of cultural exchanges between China and foreign countries, fully reflecting Shanghai's open, inclusive, and diverse international urban temperament.
The entire performance runs through the concepts of music aesthetic education and spiritual healing. Kong Xiangdong uses the sound of the piano to convey the warmth and power, integrating art appreciation, emotional expression and spiritual nourishment, bringing an immersive aesthetic education class to young students. The event continued the original intention of public welfare. 10 girls from the National Unity Demonstration Class of the No. 1 Primary School in Guangnan County, Yunnan Province, who were recipients of the AIA Friendship Charity Project, were invited by pianist Kong Xiangdong to form a choir and took to the stage to sing the Zhuang folk song "Water Hen". This song carries the Zhuang's millennium rice farming culture and entrusts their beautiful vision.
This concert uses art as a link to promote cultural exchanges and mutual learning between China and foreign countries, deepens the practice of music aesthetic education, uses a warm, emotional and powerful stage to demonstrate the soft power of urban culture, and injects impetus into the cultivation of young artistic talents and the popularization of social aesthetic education.
Today, as digital currency transactions become increasingly popular, it is crucial to choose a safe and reliable trading platform. As one of the world's leading digital asset trading platforms, OKX Ouyi has been favored by many investors for its rich trading varieties, professional security protection and smooth user experience. For new users, downloading and installing the OKX Ouyi App is the first step in starting a trading journey. This article will provide you with a detailed download tutorial for OKX Ouyi, covering mobile phones (iOS/Android) and computers, to help you quickly obtain the official application and ensure transaction security.
Must read before downloading: Why choose official channels?
When downloading the OKX App, be sure to obtain it through official channels. This is the key to ensuring account security. Unofficial channels may carry risks such as malicious tampering and virus implantation, leading to personal information leakage or asset losses. OKX officials will regularly update the app to optimize functions and fix security vulnerabilities. Only the official version can ensure that you enjoy the most stable and secure service.
Mobile version download tutorial (iOS/Android)
Mobile phones are the preferred device for most users to trade OKX. The download process is as follows:
iOS users (iPhone/iPad)
Step 1: Open the App Store
Find the "App Store" icon on the device desktop and click to enter.
Step 2: Search for "OKX" or "OKX European Italy"
Enter "OKX" or "OKX Ouyi" in the App Store search box, and be sure to look for the official developer "OKX Blockchain Technology Inc.".
Step 3: Click "Get" and install
Find the official App in the search results, click "Get" or the cloud download icon, follow the prompts with Face ID or enter the Apple ID password to complete the download.
Step 4: Trust the app (if first time installation)
Some iOS devices may need to trust enterprise-level applications in "Settings-General-VPN and Device Management", but the version of OKX listed on the App Store does not require this operation and can be used directly by opening it.
Android users (Huawei/Xiaomi/OPPO/vivo, etc.)
Step 1: Visit OKX official website
Open the mobile browser and enter the official website of OKX Europe (please look for the official website domain name to avoid downloading through unofficial links).
Step 2: Enter the "Download" page
Find the "Download" or "App Download" entrance on the homepage of the official website, usually at the top or bottom of the page.
Step 3: Select Android version to download
Click the "Android Download" button, and the browser will automatically detect and start downloading the APK installation package.
Step 4: Install and authorize
After the download is complete, open the installation package. If the system prompts "Prohibit the installation of applications from unknown sources", you need to go to "Settings-Security-Unknown Source Applications" to turn on authorization (different brands of mobile phones have slightly different paths, for example, Huawei needs to turn it on in "Settings-Security and Privacy-More Security Settings").
Step 5: Log in to use
After the installation is complete, open the OKX App, register/log in with your mobile phone number or email to start using it.
Computer download tutorial (Windows/macOS)
If you are used to conducting trading analysis or operations on a computer, OKX also provides a professional computer client.
Windows users
Step 1: Visit OKX official website
Open your computer browser and enter the OKX official website.
Step 2: Find "Desktop Download"
On the "Download" page of the official website, select the "Windows" version and click "Download".
Step 3: Install and run
After the download is completed, double-click the installation package and click "Next" as prompted to complete the installation. After the installation is successful, double-click the desktop icon to open the OKX client, enter your account information and log in.
macOS users
Step 1: Visit OKX official website
Also enter the OKX Ouyi official website through the browser.
Step 2: Select the "macOS" version to download
Click the "macOS" button on the "Download" page to obtain the DMG installation package.
Step 3: Drag and drop installation
After the download is complete, open the DMG file and drag the OKX icon to the "Applications" folder.
Step 4: Open and trust the app
Find OKX in "Applications", right-click to open it (if the prompt cannot be opened, you need to allow "Apps from the following locations: App Store and Recognized Developers" in "System Preferences - Security & Privacy").
Must do after downloading: security verification and account settings
After completing the download of OKX Ouyi App, in order to ensure the security of your account, it is recommended to perform the following operations:
Bind two-factor authentication (2FA): Turn on Google Authenticator or SMS verification in the "Security Center" to prevent account theft. Set a complex password: Avoid using simple passwords and recommend a combination of letters, numbers, and symbols. Complete real-name authentication: Complete KYC authentication according to platform requirements to improve account transaction authority and security. FAQ
Q1: What should I do if it prompts "Cannot install" after downloading?
Q2: How to confirm that the downloaded version is the official version?
Q3: Are there any differences in functions between the computer version and the mobile version?
The core functions are the same, but the computer version is more suitable for in-depth transaction analysis (such as K-line charts, batch operations, etc.), while the mobile version is more convenient for checking market conditions and making quick transactions at any time.
Through the above tutorial, you can easily download and install the OKX official App. Whether it is a mobile phone or a computer, OKX can provide you with a safe and efficient trading experience. Always downloading the application from official channels is the first step to protect the security of digital assets. Download OKX now and start your digital asset investment journey!
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