Postal Savings Bank of China (1658) investor relations material

Executive summary

• Achieved high-quality development with structural optimization, balanced operations, and robust risk management for the nine months ended September 30, 2025.

• Accelerated capital-light transformation, digitalization, and innovation, focusing on inclusive finance, technology, green finance, and pension services.

• Enhanced asset-liability management, with significant growth in both loans and deposits, and maintained industry-leading net interest margin.

Financial highlights

• Operating income reached RMB265,196 million, up 1.78% year-over-year; net profit was RMB76,794 million, up 1.07%.

• Net interest income was RMB210,505 million, down 2.07% year-over-year; net interest margin stood at 1.68%.

• Net fee and commission income rose 11.48% to RMB23,094 million; other non-interest income increased 26.87%.

• Operating expenses decreased 2.34% to RMB154,747 million; cost-to-income ratio improved by 2.54 percentage points to 57.52%.

• Total assets grew 8.90% to RMB18,605,653 million; total loans to customers rose 8.33% to RMB9,655,891 million.

• Customer deposits increased 6.08% to RMB16,216,444 million; equity attributable to shareholders up 13.01%.

Outlook and guidance

• Will continue to pursue high-quality development, deepen reforms, and enhance digital and intelligent capabilities.

• Strategic focus on concluding the 14th Five-Year Plan and preparing for the 15th, with emphasis on resilience and transformation.