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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.
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.
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