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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Postal Savings Bank of China
Postal Savings Bank of China (1658) investor relations material
Postal Savings Bank of China Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M 2026 operating income rose 6.21% YoY to RMB281.669bn and net profit rose 4.45% to RMB80.208bn; growth was supported by non-interest income and lower operating expenses.
Credit impairment losses increased 71.90% YoY to RMB40.023bn, while NPL, special-mention and overdue-loan ratios all rose from year-end 2025.
Financial highlights
Q3 operating income was RMB89.144bn, up 4.05% YoY; net profit was RMB28.537bn, up 4.23%, and profit attributable to equity holders was RMB28.553bn, up 4.46%.
9M net interest income increased 4.58% YoY to RMB220.142bn; net fee and commission income rose 8.72% to RMB25.107bn, and other non-interest income rose 15.26% to RMB36.420bn.
9M operating expenses fell 0.65% YoY to RMB153.736bn; net profit attributable to equity holders was RMB80.056bn, up 4.56%.
Basic and diluted EPS was RMB0.64 for 9M, down 3.03% YoY; operating cash flow was RMB335.188bn, down 4.23%.
Outlook and guidance
Priorities for the 15th Five-Year Plan period include building a more inclusive, balanced, stable and intelligent large retail bank, advancing strategic reforms and strengthening asset-liability, revenue, cost, customer and risk management.
Non-interest income growth is targeted through wealth management, payments and settlement, investment banking, transaction banking and financial markets; AI and digital transformation remain strategic priorities.
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Latest events from Postal Savings Bank of China
- Net profit up 4.57% to RMB51.67B, assets at RMB19.82T, interim dividend of RMB15.97B proposed.1658
Q2 2026 - Q1 2026 net profit up 1.91% YoY, with robust income growth and stable asset quality.1658Q1 2026
- 2025 saw robust asset growth, stable profits, and strengthened capital through a major equity issuance.1658Q4 2025
- Solid growth in income, loans, and deposits, with stable asset quality and strong capital ratios.1658Q3 2025
- Stable income, resilient asset quality, and strong capital actions mark Q1 2025 performance.1658Q1 2025
- Net profit up 1.08% to RMB49,415m; RMB130b capital raised; assets and capital ratios improved.1658Q2 2025
- Net profit for H1 2024 was RMB48.89 billion, with stable asset quality and strong capital ratios.1658Q2 2024
- Modest profit growth, strong asset expansion, and robust capital ratios amid rising special loans.1658Q3 2024
- Steady growth in assets and profit, strong capital, and focus on digital and green finance.1658Q4 2024
Next Postal Savings Bank of China earnings date
Q4 202625 Mar, 2027
Postal Savings Bank of China
Next Postal Savings Bank of China earnings date
Q4 202625 Mar, 2027
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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.