Core Viewpoint - Postal Savings Bank of China (PSBC) has demonstrated strong growth in both assets and liabilities, with a focus on enhancing its balance sheet stability and profitability through diversified revenue streams and effective risk management [1][2][3] Group 1: Asset Management - As of the end of Q3, PSBC's total loans increased by CNY 742.69 billion, an 8.33% growth compared to the end of last year, with a year-on-year increase of CNY 112.21 billion [1] - The bank's corporate loans rose by CNY 653.54 billion, a 17.91% increase, contributing to a more stable dual-driven model of retail and corporate lending [1] - Investment income from non-credit businesses grew by 76.70% year-on-year, reflecting proactive market positioning and asset allocation [1] Group 2: Liability Management - PSBC's deposits increased by CNY 928.90 billion, a 6.08% growth, with corporate deposits rising by CNY 201.81 billion, a 12.19% increase [2] - The average interest rate on interest-bearing liabilities decreased to 1.22%, down 25 basis points from the previous year, maintaining a competitive edge among listed banks [2] - The bank is focusing on a lightweight transformation to create a more resilient and sustainable growth model [2] Group 3: Revenue and Profitability - For the first three quarters, PSBC achieved operating income of CNY 265.08 billion, a year-on-year increase of 1.82%, with net interest margin at 1.68% [3] - Non-interest income grew by 11.48%, with other non-interest income increasing by 27.52%, enhancing its contribution to total revenue [3] - The bank's net profit reached CNY 76.79 billion, a 1.07% increase year-on-year, supported by effective cost management and a decrease in business and management expenses by 2.66% [3] Group 4: Risk Management - As of the end of September, PSBC maintained a non-performing loan ratio of 0.94%, continuing its long-standing low level [3] - The core Tier 1 capital adequacy ratio improved to 10.65%, up 1.09 percentage points from the end of last year, ensuring robust operational stability [3] - The bank's "Look Forward" technology application led to a 37.24% increase in approved clients and a 170.30% rise in approved amounts, with a lower non-performing loan rate for these clients compared to the overall average [3]

邮储银行（601658）(01658)发布公告，2025年10月30日，该行董事会于2025年第十次会议后收到韩文 博先生的辞职报告。韩文博先生因工作调动，辞去该行非执行董事、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。韩文博先生的辞任自辞职报告送达董事会时生效。 ...

截至2025年9月末，邮储银行不良贷款余额910.09亿元，较上年末增加106.90亿元；不良贷款率0.94%， 较上年末上升0.04个百分点。拨备覆盖率240.21%，较上年末下降45.94个百分点。2025年1—9月，年化 不良贷款生成率0.93%。 北京商报讯（记者 孟凡霞 周义力）10月30日，邮储银行发布2025年三季度报告。2025年1—9月，该行 实现营业收入2650.80亿元，同比增加47.31亿元，增长1.82%；实现净利润767.94亿元，同比增加8.11亿 元，增长1.07%。年化平均总资产回报率为0.58%，年化加权平均净资产收益率为10.67%。 截至报告期末，邮储银行资产总额18.61万亿元，较上年末增加1.52万亿元，增长8.90%。客户贷款总额 9.66万亿元，较上年末增加7426.89亿元，增长8.33%，同比多增1122.09亿元，其中个人贷款4.86万亿 元，较上年末增加907.54亿元，增长1.90%；公司贷款4.30万亿元，较上年末增加6535.42亿元，增长 17.91%。 资本充足率方面，邮储银行核心一级资本充足率10.65%，较上年末上升1.09个百分点；一级资 ...

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 | | ...