)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Postal Savings Bank of China earnings date
Q3 202529 Oct, 2025
Next Postal Savings Bank of China earnings date
Q3 202529 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage