Core Insights - Postal Savings Bank of China (PSBC) reported a stable performance in risk control with a non-performing loan ratio of 0.94% as of September [2] - The bank accelerated its "Look Forward" technology application, with customer approvals increasing by 37.24% year-on-year and the approval amount reaching 4.62 trillion yuan, a 170.30% increase [2] - PSBC achieved double growth in revenue and net profit in the first three quarters, enhancing its risk management capabilities [2] Revenue Performance - PSBC's operating income for the first three quarters was 265.08 billion yuan, a year-on-year increase of 1.82% [3] - The net interest margin stood at 1.68%, maintaining an excellent industry level, with interest income improving quarterly [3] - Non-interest income grew by 27.52% year-on-year, contributing to an increase in its share of total revenue by 2.40 percentage points [3] - The bank's net profit reached 76.79 billion yuan, reflecting a year-on-year growth of 1.07% [3] Cost Management - PSBC implemented refined cost management, resulting in a 2.66% decrease in business and management expenses year-on-year [3] - The cost-to-income ratio improved to 57.40%, down 2.65 percentage points from the previous year [3] Asset Management - The bank's loans increased by 742.69 billion yuan, with a year-on-year increase of 112.21 billion yuan [4] - Corporate loans rose by 653.54 billion yuan, a growth of 17.91%, enhancing the stability of its retail and corporate loan structure [4] - Investment income saw a significant increase of 76.70% year-on-year [4] Liability Management - PSBC's deposits increased by 928.90 billion yuan, a growth of 6.08%, with corporate deposits rising by 201.81 billion yuan, a 12.19% increase [4] - The average interest rate on interest-bearing liabilities decreased to 1.22%, down 25 basis points from the previous year, maintaining a strong position among listed banks [4]

Core Insights - The article highlights the successful implementation of agricultural practices in Pingliang City, particularly in Jinchuan County, where farmers are experiencing a bountiful harvest of autumn vegetables due to financial support from Postal Savings Bank [1][2]. Group 1: Agricultural Development - Farmers in Yudu Town are actively harvesting autumn vegetables, including water radishes and cabbages, indicating a productive season [1]. - The shift from idle greenhouses post-pepper harvest to cultivating autumn crops has improved land utilization and increased income for farmers [2]. - The introduction of financial products by Postal Savings Bank has enabled farmers to expand their planting scale, addressing previous funding shortages [2][3]. Group 2: Financial Support and Impact - Postal Savings Bank's initiatives align with the national rural revitalization strategy, focusing on the needs of the planting industry and enhancing financial services [3]. - The bank's "loan delivery to the countryside" campaign has provided essential financial backing for farmers like Yang, facilitating the expansion of their operations [3][4]. - The expected sales revenue from autumn vegetables is projected to double this year, reflecting the positive impact of improved agricultural practices and financial support [3]. Group 3: Market Dynamics - The favorable climate and mature management techniques have resulted in high-quality autumn vegetables that are in demand in the market [3]. - The cooperative model involving banks, government, enterprises, and farmers has led to significant income generation, with average greenhouse income expected to reach 5,000 yuan [4]. - The collaboration with various sales channels ensures a steady market for the produce, enhancing the economic viability for local farmers [4].

Core Points - Postal Savings Bank of China announced the resignation of Mr. Han Wenbo from his positions as non-executive director, chairman of the Board Risk Management Committee, and member of the Board Strategic Planning Committee due to job relocation [1] Summary by Categories - **Resignation Details** - Mr. Han Wenbo submitted his resignation report to the board after the tenth meeting of the board in 2025, effective immediately upon receipt of the resignation report [1]

Core Points - Postal Savings Bank of China reported a revenue of 265.196 billion yuan for the first three quarters, an increase of 1.78% year-on-year [1] - The net profit attributable to shareholders reached 76.562 billion yuan, growing by 0.98% [1] - The total assets amounted to 18,605.653 billion yuan, reflecting an 8.90% increase compared to the end of the previous year [1] Financial Performance - The annualized average return on total assets was 0.58% and the annualized weighted average return on equity was 10.67% [1] - Customer loans totaled 9,655.891 billion yuan, up 8.33% from the end of the previous year, with a year-on-year increase of 112.209 billion yuan [1] - Personal loans reached 4,862.337 billion yuan, growing by 1.90%, driven by retail banking strategies and support for rural revitalization and consumer spending [1] - Corporate loans increased to 4,302.705 billion yuan, a growth of 17.91%, reflecting the bank's commitment to supporting high-quality economic development [1] Liabilities and Deposits - Total liabilities were 17,439.778 billion yuan, an increase of 8.64% from the end of the previous year [2] - Customer deposits amounted to 16,216.444 billion yuan, up 6.08%, with personal deposits growing by 5.33% to 14,354.786 billion yuan [2] - Corporate deposits increased by 12.19% to 1,858.062 billion yuan, supported by the bank's new service system for corporate finance [2] Asset Quality - The non-performing loan balance was 91.009 billion yuan, an increase of 106.90 billion yuan, with a non-performing loan ratio of 0.94%, up 0.04 percentage points [3] - The balance of special mention loans was 133.412 billion yuan, with a ratio of 1.38%, reflecting a rise of 0.43 percentage points [3] - The overdue loan balance reached 122.736 billion yuan, with an overdue rate of 1.27%, an increase of 0.08 percentage points [3] - The provision coverage ratio was 240.21%, down by 45.94 percentage points from the previous year [3]

格隆汇10月30日丨邮储银行(01658.HK)公告，2025年10月30日，中国邮政储蓄银行股份有限公司董事会 于2025年第十次会议后收到韩文博的辞职报告。韩文博因工作调动，辞去本行非执行董事、董事会风险 管理委员会主席及委员、董事会战略规划委员会委员职务。韩文博的辞任自辞职报告送达董事会时生 效。 ...

Core Viewpoint - Postal Savings Bank of China reported a slight increase in revenue and net profit for Q3 2025, indicating stable growth despite a challenging economic environment [2] Financial Performance - For Q3 2025, the bank achieved operating revenue of 85.634 billion yuan, a year-on-year increase of 2.48% [2] - The net profit attributable to shareholders for Q3 2025 was 27.334 billion yuan, reflecting a year-on-year growth of 1.23% [2] - Basic earnings per share for Q3 2025 stood at 0.23 yuan [2] - For the first three quarters of 2025, the bank's operating revenue reached 265.08 billion yuan, up 1.82% year-on-year [2] - The net profit attributable to shareholders for the first three quarters was 76.562 billion yuan, with a year-on-year increase of 0.98% [2] - Basic earnings per share for the first three quarters were 0.66 yuan [2]

POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 董事會名單與其角色和職能 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 非執行董事 劉新安 張宣波 劉瑞鋼 胡宇霆 丁向明 余明雄 獨立非執行董事 溫鐵軍 鍾瑞明 潘英麗 唐志宏 洪小源 楊勇 1 董事會設立6個專門委員會。下表提供各董事會成員在這些委員會中所擔任的 職位。 中國郵政儲蓄銀行股份有限公司董事會（「董事會」）成員載列如下。 董事長 鄭國雨（非執行董事） 執行董事 劉建軍 姚紅 | | 委員會 | | | | | | 社會責任與 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | 戰略規劃 | 關聯交易 | | 風險管理 | 提名和 | 消費者權益 | | 董事 | | 委員會 | 控制委員會 | 審計委員會 | 委員會 | 薪酬委員會 | 保護委員會 | | 鄭國雨 | | C | | ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 關於董事離任的公告 聯席公司秘書 中國，北京 2025年10月30日 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 2025年1 0月3 0日，中國郵政儲蓄銀行股份有限公司（「本行」）董事會（「董事 會」）於2025年第十次會議後收到韓文博先生的辭職報告。韓文博先生因工作 調動，辭去本行非執行董事、董事會風險管理委員會主席及委員、董事會戰略 規劃委員會委員職務。韓文博先生的辭任自辭職報告送達董事會時生效。 韓文博先生已確認其與董事會無不同意見，亦無就其離任需要通知本行股東及 債權人的任何事項，已按照有關要求做好工作交接。韓文博先生的離任不會導 致董事會成員低於法定人數。 韓文博先生自加入本行董事會以來，堅持以習近平新時代中國特色社會主義思 想為指導，恪盡職守、勤勉敬業、依規履職，是本行高質量發展的踐行者和推 動者，為本行深化戰略轉型、優化公司治理、加強全面風險管 ...

Core Insights - Postal Savings Bank of China (PSBC) reported a revenue of 265.08 billion yuan for the first three quarters of 2025, reflecting a year-on-year growth of 1.82% [1] - The net profit for the same period reached 76.794 billion yuan, with a year-on-year increase of 1.07% [1] - The net interest margin stood at 1.68%, while the bank's fee-based income grew by 11.48% year-on-year [1] - As of the end of September, the non-performing loan ratio was 0.94%, which is an increase of 0.04 percentage points compared to the end of the previous year [1]

格隆汇10月30日｜邮储银行：第三季度营业收入856.71亿元，同比增长2.42%；归属于银行股东的净利 润273.34亿元，同比增长1.23%。前三季度营业收入2651.96亿元，同比增长1.78%；归属于银行股东的 净利润765.62亿元，同比增长0.98%。 ...