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Postal Savings Bank of China (1658) investor relations material
Postal Savings Bank of China Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Aug, 2025
Executive summary
Total assets reached RMB18.19 trillion, up 6.47% from prior year-end; net profit for H1 2025 was RMB49,415 million, a 1.08% year-on-year increase.
Customer deposits rose to RMB16.11 trillion (+5.37%), and total loans to customers reached RMB9.54 trillion (+6.99%).
Major capital injection: RMB130 billion raised via A-share issuance to MOF, China Mobile, and CSSC, strengthening capital base.
Maintained strong asset quality with a non-performing loan (NPL) ratio of 0.92% and allowance to NPLs ratio of 260.35%.
Continued to implement the "five priorities" strategy: technology, green, inclusive, pension, and digital finance.
Financial highlights
Operating income increased 1.47% year-on-year to RMB179,525 million; net fee and commission income grew 11.59% to RMB16,918 million.
Net interest income declined 2.67% year-on-year to RMB139,058 million, mainly due to lower yields on interest-earning assets.
Non-interest income rose 18.87% year-on-year, driven by strong growth in intermediary and other non-interest income.
Cost-to-income ratio improved to 54.80% (from 59.95% in H1 2024).
Credit impairment losses increased 34.71% year-on-year, reflecting prudent provisioning amid loan growth.
Outlook and guidance
The bank will focus on high-quality development, deepening its presence in rural, SME, and personal banking, and accelerating corporate and urban finance.
Macro policies in China are expected to remain accommodative, supporting stable growth and risk prevention.
The bank aims to further optimize asset-liability structure, increase non-interest income, and maintain prudent risk management.
Plans to enhance digital transformation, risk management, and capital efficiency.
How does the RMB130B capital raise align with shareholder return strategy?
Detail capital-light transformation progress and impact.
Explain the 34.71% rise in credit impairment losses.
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Next Postal Savings Bank of China earnings date
Q3 202529 Oct, 2025
Next Postal Savings Bank of China earnings date
Q3 202529 Oct, 2025
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Frequently asked questions
Postal Savings Bank of China Co., Ltd. is a China-based commercial bank providing a broad range of retail and corporate banking services. The bank specializes in savings accounts, personal and corporate loans, wealth management, and financial services for small and medium-sized enterprises, with a focus on rural and underbanked communities. Leveraging an extensive nationwide branch network, Postal Savings Bank of China emphasizes accessibility and financial inclusion across urban and rural regions. Its services span deposits, credit cards, electronic banking, and investment products. The company is headquartered in Beijing, China, and its shares are listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange.
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