证券代码：601658 证券简称：邮储银行 公告编号：临 2025-058 中国邮政储蓄银行股份有限公司 关于董事离任的公告 中国邮政储蓄银行股份有限公司董事会及全体董事保证本公告内容不存在 任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整 性承担法律责任。 中国邮政储蓄银行股份有限公司（以下简称本行）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。韩文博先生的辞任自辞职报告送达董事 会时生效。 韩文博先生已确认其与本行董事会无不同意见，也没有就其离任 需要通知本行股东及债权人的任何事项，已按照有关要求做好工作交 接。韩文博先生的离任不会导致本行董事会成员低于法定人数。 韩文博先生自加入本行董事会以来，坚持以习近平新时代中国特 色社会主义思想为指导，恪尽职守、勤勉敬业、依规履职，是本行高 1 姓名 离任职务 离任时间 离任原因 是否继续 在上市公 司及其控 股子公司 任职 是否存在未 履行完毕的 公开承诺 韩文博 非执行董事 2025 年 10 月 30 日 工作调动 ...

证券代码：601658 证券简称：邮储银行 公告编号：临 2025-057 中国邮政储蓄银行股份有限公司 监事会决议公告 中国邮政储蓄银行股份有限公司监事会及全体监事保证本公告内容不存在 任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整 性承担法律责任。 中国邮政储蓄银行股份有限公司（以下简称本行）监事会于 2025 年 10 月 15 日以书面形式发出会议通知，于 2025 年 10 月 30 日以书 面传签方式召开会议。会议应参与表决监事 4 名，实际参与表决监事 4 名。会议的召开符合《中华人民共和国公司法》等有关法律、行政 法规、部门规章、规范性文件和《中国邮政储蓄银行股份有限公司章 程》的有关规定。 会议审议并表决通过了以下议案： 关于中国邮政储蓄银行 2025 年第三季度报告的议案 议案表决情况：有效表决票 4 票，同意 4 票，反对 0 票，弃权 0 票。 中国邮政储蓄银行股份有限公司监事会 二〇二五年十月三十日 本行监事会认为，本行 2025 年第三季度报告的编制和审议程序 符合法律、行政法规和监管规定，报告的内容真实、准确、完整地反 映了本行的实际情况。 特此公告。 ...

证券代码：601658 证券简称：邮储银行 公告编号：临 2025-056 中国邮政储蓄银行股份有限公司 董事会决议公告 中国邮政储蓄银行股份有限公司董事会及全体董事保证本公告内容不存在 任何虚假记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整 性承担法律责任。 中国邮政储蓄银行股份有限公司（以下简称本行）董事会于 2025 年 10 月 15 日以书面形式发出会议通知，于 2025 年 10 月 30 日在北 京以现场方式召开会议。会议应出席董事 16 名，亲自出席董事 16 名， 部分监事及高级管理人员列席会议。会议的召开符合《中华人民共和 国公司法》等有关法律、行政法规、部门规章、规范性文件和《中国 邮政储蓄银行股份有限公司章程》（以下简称《公司章程》）的有关 规定。 会议由郑国雨董事长主持，出席会议的董事审议并表决通过了以 下议案： 一、关于修订《中国邮政储蓄银行股份有限公司募集资金管理办 法》的议案 议案表决情况：有效表决票 16 票，同意 16 票，反对 0 票，弃权 0 票。 《中国邮政储蓄银行股份有限公司募集资金管理办法（2025 年 修订版）》（以下简称《募集资金管理办法》）自 ...

Financial Performance - Net profit for Q3 2025 was RMB 27,379 million, reflecting a 1.04% increase compared to the same period last year[6] - The bank's net profit attributable to shareholders for the first nine months of 2025 was RMB 76,562 million, a 0.98% increase year-on-year[6] - In the first three quarters, the company achieved a net profit of 76.562 billion yuan, representing a year-on-year growth of 0.98%[24] - Net profit for the same period was CNY 76.79 billion, up CNY 0.81 billion, or 1.07% year-on-year[36] - Net profit for the bank in Q3 2025 was RMB 26,868 million, a slight increase from RMB 26,629 million in Q3 2024[59] - Total comprehensive income for the bank in Q3 2025 was RMB 24,603 million, down from RMB 25,590 million in Q3 2024[59] Asset and Liability Management - Total assets increased by 8.90% year-on-year to RMB 18,605,653 million as of September 30, 2025[4] - The bank's total liabilities increased by 8.64% year-on-year to RMB 17,439,778 million[4] - Total liabilities increased to RMB 17,439.78 billion, a rise of RMB 1,386.52 billion or 8.64% from the previous year[44] - The bank's total equity increased to RMB 1,165,875 million as of September 30, 2025, compared to RMB 1,031,649 million at the end of 2024, marking a growth of 12.9%[55] Loan and Deposit Growth - Customer loans rose by 8.33% year-on-year to RMB 9,655,891 million[4] - Customer deposits grew by 6.08% year-on-year to RMB 16,216,444 million[4] - The company’s loan portfolio increased by 742.689 billion yuan, with corporate loans growing by 653.542 billion yuan, a year-on-year increase of 17.91%[23] - The deposit base expanded by 928.903 billion yuan, reflecting a growth of 6.08%, with corporate deposits increasing by 201.815 billion yuan, or 12.19%[23] Capital Adequacy and Risk Management - The core tier 1 capital adequacy ratio improved to 10.65% as of September 30, 2025, up from 9.56% at the end of 2024[11] - The core Tier 1 capital adequacy ratio improved to 10.65%, up 1.09 percentage points from the previous year[25] - The bank's credit impairment losses for the nine months ended September 30, 2025, were RMB 23,283 million, an increase of 23.5% compared to RMB 18,934 million in the same period of 2024[56] - The non-performing loan ratio remained low at 0.94%, maintaining a stable risk profile[25] Income and Revenue Streams - Total operating income for the first three quarters reached 265.08 billion yuan, an increase of 1.82% year-on-year[24] - Non-interest income from various financial products grew by 27.52%, contributing to a more diversified revenue stream[24] - Net interest income decreased to CNY 210.51 billion, down CNY 4.44 billion, or 2.07% year-on-year[37] - Net fee and commission income rose to CNY 23.09 billion, an increase of CNY 2.38 billion, or 11.48% year-on-year[38] Investment and Cash Flow - Cash flow from operating activities for the bank in the first nine months of 2025 was RMB 313,725 million, an increase from RMB 281,020 million in the same period of 2024[61] - The bank's net cash flow from financing activities in the first nine months of 2025 was RMB 111,748 million, compared to a net outflow of RMB 71,699 million in the same period of 2024[62] - The bank's investment activities resulted in a net cash outflow of RMB 307,848 million in the first nine months of 2025, compared to RMB 287,561 million in the same period of 2024[62] Shareholder Returns - A cash dividend of RMB 1.230 per share is proposed, totaling approximately RMB 14.77 billion, subject to shareholder approval[50] Strategic Initiatives - The bank's strategy includes enhancing support for rural revitalization and consumer loans, focusing on key sectors like advanced manufacturing and green finance[43]

南财智讯10月30日电，邮储银行公告，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 到韩文博先生的辞职报告。韩文博先生因工作调动，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。韩文博先生的辞任自辞职报告送达董事会时生效。 ...

Core Insights - Postal Savings Bank reported Q3 revenue of 85.634 billion yuan, a year-on-year increase of 2.48% [1] - Net profit for Q3 was 27.379 billion yuan, reflecting a year-on-year growth of 1.04% [1] - For the first three quarters, total revenue reached 265.08 billion yuan, up 1.82% year-on-year [1] - Net profit for the first three quarters was 76.794 billion yuan, with a year-on-year increase of 1.07% [1]

Core Viewpoint - Postal Savings Bank of China (PSBC) has shown a decline in stock price and trading volume, indicating potential challenges in attracting investor interest [1][3]. Financial Performance - PSBC's dividend yields over the past three years were 5.58%, 6.00%, and 4.61% respectively, reflecting a consistent commitment to returning value to shareholders [2]. - For the first half of 2025, PSBC reported a net profit of 49.23 billion yuan, a year-on-year increase of 0.85% [7]. Shareholder and Market Activity - As of June 30, 2025, the number of PSBC shareholders decreased by 10.31% to 164,100, while the average number of circulating shares per person increased by 11.66% to 415,086 shares [7]. - The stock has experienced a net outflow of 69.77 million yuan today, with a continuous reduction in main funds over the past three days [3][4]. Technical Analysis - The average trading cost of PSBC shares is 5.13 yuan, with the stock currently near a support level of 5.88 yuan, indicating potential for a rebound or further decline if the support is breached [5]. Company Overview - PSBC, established on March 6, 2007, and listed on December 10, 2019, primarily offers banking and financial services in China, with personal banking contributing 65.15% to its revenue, corporate banking 22.71%, and fund operations 12.10% [6]. - The bank is classified under the category of state-owned large banks and is ultimately controlled by China Post Group [2][6].

Core Viewpoint - The article highlights the efforts of Postal Savings Bank's Kaiyangli branch in Beijing to enhance the well-being and happiness of the elderly during the Double Ninth Festival through a series of themed activities focused on elder care and financial services [1][5]. Group 1: Activities and Services - The Kaiyangli branch collaborated with the You'anmen Street Elderly Service Center to organize various activities at multiple community locations, providing warm and joyful experiences for the elderly [1]. - The event featured engaging handcraft activities and brought "elderly-friendly financial services" directly to the venue, enhancing the convenience of services for the elderly [3]. Group 2: Financial Services and Security - The branch addressed the needs of retirees regarding the third-generation social security card by extending services to the elderly, offering one-on-one explanations of the application process and associated benefits [5]. - A focus on financial security for the elderly was emphasized through anti-fraud presentations and financial literacy initiatives, helping seniors recognize common scams and enhancing their risk awareness [5]. Group 3: Commitment to Elderly Services - The series of activities during the Double Ninth Festival represents a practical implementation of the branch's commitment to elderly-friendly financial services, aiming to optimize facilities, upgrade services, and promote financial knowledge [5]. - As a "Golden Sunshine Branch" specializing in elderly services, the Kaiyangli branch aims to provide robust support for the elderly to enjoy a happy retirement, establishing a warm connection between finance and community welfare [5].

Core Insights - The article highlights the successful harvest of 412,000 acres of fragrant pears in Korla City, Xinjiang, and the role of Postal Savings Bank in providing financial support to the pear industry [1][2] - The bank has issued over 200 million yuan in loans to support the transportation of 300,000 tons of pears from farms to consumers [1] Group 1: Financial Support and Impact - Postal Savings Bank's "Golden Pear Enrichment" initiative has led to the issuance of over 200 million yuan in loans for the fragrant pear industry this year [1] - The bank's "Express Loan" provided 3.5 million yuan to a cold storage facility, enabling quick access to funds for purchasing pears [1] - The bank has developed a series of financial products tailored to the pear industry, including "Planting Loans," "Acquisition Loans," and "Storage Loans," benefiting over 500 production and operation entities [1] Group 2: Industry Transformation and Support - Korla City is transforming its pear industry through a model of "government support + financial backing + enterprise promotion," focusing on standardized planting, brand sales, and deep processing [2] - The bank addresses challenges in financing for the pear industry, providing not only financial solutions but also training in planting techniques and market analysis to enhance industry quality and efficiency [2]

Core Viewpoint - Postal Savings Bank of China experienced a decline of 2.14% in stock price on October 29, with a trading volume of 1.063 billion yuan, indicating market volatility and investor sentiment towards the bank's performance [1] Financing Summary - On October 29, the bank recorded a financing buy amount of 194 million yuan and a repayment of 108 million yuan, resulting in a net financing purchase of approximately 85.66 million yuan [1] - The total financing and securities lending balance reached 918 million yuan, with the current financing balance of 913 million yuan accounting for 0.23% of the circulating market value, which is below the 20th percentile level over the past year, indicating a low financing level [1] Securities Lending Summary - The bank repaid 269,600 shares in securities lending on October 29, while selling 15,300 shares, amounting to approximately 90,900 yuan based on the closing price [1] - The remaining securities lending volume stood at 925,800 shares, with a balance of approximately 5.50 million yuan, which exceeds the 70th percentile level over the past year, indicating a relatively high level of securities lending [1] Company Overview - Postal Savings Bank of China, established on March 6, 2007, and listed on December 10, 2019, primarily provides banking and related financial services in China [2] - The bank's main business segments include personal banking (65.15% of revenue), corporate banking (22.71%), and funding operations (12.10%) [2] - As of June 30, the bank had 164,100 shareholders, a decrease of 10.31% from the previous period, with an average of 415,086 circulating shares per shareholder, an increase of 11.66% [2] Dividend Summary - Since its A-share listing, Postal Savings Bank has distributed a total of 137.796 billion yuan in dividends, with 77.395 billion yuan distributed over the past three years [3] Institutional Holdings Summary - As of June 30, 2025, Hong Kong Central Clearing Limited was the fourth-largest circulating shareholder, holding 942 million shares, an increase of 60.826 million shares from the previous period [3] - Other significant institutional shareholders include Huaxia SSE 50 ETF, Huatai-PB CSI 300 ETF, and E Fund CSI 300 ETF, all of which have increased their holdings compared to the previous period [3]