又到了半年报公布的时间 锁定"银数观卡"微信公众号 第一时间 get上市银行信用卡业务情况 即可下载 邮储银行2025年半年报原文 截至报告期末，邮储银行信用卡结存卡量达到 3,857.56万张。 信用卡透支及零售贷款结构 回复"邮储银行" 业绩指标概览 卡量情况 消费情况 2025年上半年，邮储银行信用卡消费金额4,564.42亿元 。 信用卡风险情况 2025年6月末，邮储银行信用卡不良率1.55%，较上年末上升0.07个百分点。 信用卡业务情况 邮储银行抓住国家扩大内需、提振消费系列政策机遇，充分发挥信用卡在助力提振消费中的重要作用，夯实集约化经营能力，提高精细化管理水平，不断 提升信用卡客户质量和粘性，推动信用卡业务稳健可持续发展，为零售客户提供高质量金融服务。 2025年6月末，邮储银行信用卡透支及其他 2,247.06亿元。 丰富金融服务，扩大品牌影响。顺应消费市场新趋势、新变化，优化完善信用卡资产结构，依托各类消费场景，丰富信用卡分期服务产品和品牌，加快悦 享分期、商户分期和其他场景类分期业务发展。加强集约化运营体系和能力建设，深入推进流程优化，提高线上服务能力，不断提高金融服务满意度。 零售业 ...

Core Viewpoint - Postal Savings Bank of China (PSBC) reported a stable performance in the first half of 2025, with total assets exceeding 18 trillion yuan and a focus on maintaining capital adequacy and dividend policies amidst challenges in net interest margin and asset quality [2][3][5]. Financial Performance - As of June 30, 2025, PSBC's total assets reached 18.19 trillion yuan, a year-on-year increase of 6.47% - The bank achieved operating income of 179.45 billion yuan, up 1.50% year-on-year - Net profit stood at 49.42 billion yuan, reflecting a growth of 1.08% year-on-year - The net interest margin was reported at 1.70%, maintaining a leading position in the industry [2]. Capital Management - PSBC successfully completed a targeted placement of 130 billion yuan in A-shares, enhancing its capital adequacy - As of June 30, 2025, the capital adequacy ratio was 14.57%, and the core Tier 1 capital ratio was 10.52%, both showing improvements from the previous year [3]. - The board proposed a cash dividend of 1.230 yuan per 10 shares, totaling approximately 14.77 billion yuan, with a commitment to maintain a dividend payout ratio of 30% for the year [3]. Loan Growth - Total customer loans reached 9.54 trillion yuan, a growth of 6.99% year-on-year - Retail loans increased by 88.79 billion yuan, up 1.86%, surpassing the industry average - Corporate loans rose by 541.10 billion yuan, a significant increase of 14.83% year-on-year [6]. Asset Quality - As of June 30, 2025, the non-performing loan (NPL) ratio was 0.92%, a slight increase of 0.02 percentage points from the previous year - The bank implemented four key measures to manage credit risk, focusing on retail credit management and improving asset recovery processes [7].

2025年上半年，邮储银行发力数字金融，全力打造差异化发展特色，积极构建数智化转型优势，以技术 应用赋能内外服务，以科技创新驱动转型发展，持续深耕数字金融大文章，为高质量发展再添科技新动 能。升级数字金融服务能力，大数据平台实时数仓日均处理数据量超50亿条，同比增长约80%，以"i- Super"数字金融指数衡量数字化转型质效，优化发展路径。 邮储银行始终坚守服务"三农"、城乡居民和中小企业的定位，凭借遍布城乡近4万个营业网点形成的渠 道网络，服务超6.7亿个人客户，形成普惠金融差异化特色化核心优势。基于这一资源禀赋，邮储银行 将金融"五篇大文章"国家战略与自身特色紧密结合，充分发挥渠道优势、客户优势和资金优势，致力于 为中国经济转型中最具活力的客户群体提供服务。 着力将普惠金融打造成最大的特色、最突出的优势，加快打造服务乡村振兴的主力军、普惠金融标杆 行。邮储银行持续优化普惠金融服务体系，加快服务模式创新变革，聚焦县域、社区、街区、园区、校 区，满足城乡居民各类金融服务需求。截至2025年6月末，涉农贷款余额2.44万亿元，普惠型小微企业 贷款余额1.72万亿元，占客户贷款总额比重均居国有大行前列。 突出科 ...

Core Viewpoint - China Postal Savings Bank reported a stable financial performance for the first half of 2025, with total assets exceeding 18 trillion yuan and a focus on maintaining a consistent dividend strategy despite recent capital injections [1][2]. Financial Performance - As of June 30, 2025, the bank's total assets reached 18.19 trillion yuan, a 6.47% increase from the end of the previous year [1]. - The bank achieved an operating income of 1794.46 billion yuan, reflecting a year-on-year growth of 1.50% [1]. - Net profit stood at 494.15 billion yuan, up 1.08% year-on-year [1]. - The net interest margin was reported at 1.70%, with a capital adequacy ratio of 14.57% and a core Tier 1 capital ratio of 10.52%, both showing improvements from the previous year [1][2]. Capital Strategy - The bank successfully completed a 130 billion yuan A-share placement to enhance its capital levels [2]. - The dividend payout ratio for the year is set to remain at 30%, totaling 147.72 billion yuan (including tax) [2]. - Future dividend strategies will consider regulatory requirements, shareholder interests, profit growth, capital adequacy, and alignment with industry peers [2]. Credit and Investment Strategy - The bank aims to maintain a prudent approach to capital usage, focusing on serving the real economy and optimizing the allocation of credit and non-credit assets [3]. - The investment strategy emphasizes government bonds and high-quality credit bonds, with a focus on risk management and yield optimization [3]. Interest Margin Challenges - The bank faces challenges with net interest income growth due to a prolonged low-interest-rate environment, with the average interest rate on liabilities decreasing by 25 basis points to 1.26% [4]. - The net interest margin decreased by 1 basis point compared to the previous quarter, attributed to a higher proportion of mortgage loans [4][5]. - Management is optimistic about maintaining a stable interest margin through refined management practices and market rate observations [4]. Loan Growth - Total customer loans reached 9.54 trillion yuan, a 6.99% increase from the previous year, with retail loans growing by 1.86% and corporate loans increasing by 14.83% [6]. - The bank plans to leverage the new consumer loan subsidy policy to enhance its consumer lending business [6]. Asset Quality - The non-performing loan ratio was reported at 0.92%, a slight increase of 0.02 percentage points from the previous year [7]. - The bank has implemented several measures to improve asset quality, including refining credit processes and enhancing risk management strategies [7].

Core Viewpoint - The six major state-owned banks in China reported mixed financial results for the first half of 2025, with total assets increasing but net profits showing both growth and decline among different banks [1][3]. Group 1: Financial Performance - The total assets of the six major state-owned banks continued to grow, with the Industrial and Commercial Bank of China (ICBC) surpassing 52 trillion yuan in total assets [1]. - The combined net profit for the six banks was 684.1 billion yuan, averaging approximately 37.8 billion yuan in daily net profit over the first half of the year [1]. - Agricultural Bank of China, Postal Savings Bank, and Bank of Communications achieved positive net profit growth, with Agricultural Bank leading at a growth rate of 2.7% [3]. Group 2: Revenue and Profitability - ICBC and China Construction Bank are in a competitive race for the title of "profit king," with ICBC reporting a net profit of 168.1 billion yuan and China Construction Bank at 162.6 billion yuan, a difference of less than 5.5 billion yuan [3]. - In terms of revenue growth, China Bank had the highest increase at 3.61%, followed by China Construction Bank at 2.95% [3]. - All six banks announced mid-term dividend plans, with total expected dividends exceeding 200 billion yuan [3]. Group 3: Credit and Risk Management - The state-owned banks have made significant progress in optimizing credit structures and increasing support for the real economy, with notable growth in loans to key sectors such as manufacturing, green finance, and inclusive finance [3]. - The overall asset quality of the state-owned banks remained stable, with a low non-performing loan ratio and high provision coverage ratio, indicating strong risk mitigation capabilities [4]. - Moving forward, the banks will focus on key areas such as manufacturing, green finance, inclusive finance, and technology finance, while enhancing policy guidance and risk control measures [3][4].

新华财经北京8月29日电（罗浩） 截至发稿时，工商银行、建设银行、农业银行、中国银行、邮储银行 及交通银行的A股2025年半年报均已披露完毕，六大行均宣派中期股息，且派息比例均占当期归母净利 润约30%。 其中，工商银行拟每10股派1.414元（含税），共派息约503.96亿元；建设银行拟每10股派1.858元（含 税），共派息约486.05亿元；农业银行拟每10股派1.195元（含税），共派息约418.23亿元；中国银行拟 每10股派1.094元（含税），共派息约352.50亿元；邮储银行拟每10股派1.230元（含税），共派息约 147.72亿元；交通银行拟每10股派1.563元（含税），共派息约138.11亿元。 六大行拟派发中期股息合计约2047亿元。 编辑：胡晨曦 ...

证券日报网讯 8月29日晚间，邮储银行发布公告称，2025年半年度实现营业收入179，446百万元人民 币，同比增长1.50%；归属于银行股东的净利润49，228百万元人民币，同比增长0.85%。 （编辑 何成浩） ...

8月29日，邮储银行发布2025年半年度报告。报告显示，2025年上半年，该行实现归属于银行股东的净 利润492.28亿元，同比增长0.85%；营业收入1794.46亿元，同比增长1.50%。非息收入贡献提升，中间 业务收入169.18亿元，同比增长11.59%；其他非息收入234.70亿元，同比增长25.16%，均实现两位数增 长，占营业收入的比重分别同比提升0.85个、2.47个百分点。 截至上半年末，邮储银行总资产突破18万亿元，达18.19万亿元；总负债突破17万亿元，达17.05万亿 元，资产负债总额双双站上新台阶。不良贷款率0.92%，继续保持优秀水平；拨备覆盖率260.35%，风 险抵补能力充足。 （邮储银行） ...

Core Viewpoint - The six major state-owned banks in China have reported their mid-year performance for 2025, showing a steady increase in total assets but mixed results in operating performance. All six banks have announced mid-term dividend plans, with a total expected payout exceeding 200 billion yuan [1][2]. Group 1: Financial Performance - The total net profit of the six major banks exceeded 680 billion yuan in the first half of 2025, with some banks experiencing revenue growth but profit declines [2]. - Industrial and Commercial Bank of China (ICBC) reported total assets surpassing 52 trillion yuan, with operating income of 409.08 billion yuan, a year-on-year increase of 1.8%, and a net profit of 168.1 billion yuan, down 1.4% year-on-year [3]. - Agricultural Bank of China (ABC) had total assets of 46.9 trillion yuan, with operating income of 369.8 billion yuan and net profit of 139.5 billion yuan, reflecting year-on-year growth of 0.7% and 2.7% respectively [3]. - Bank of China (BOC) reported total assets of 36.79 trillion yuan, with operating income of 329.42 billion yuan, a year-on-year increase of 3.61%, and a net profit of 117.59 billion yuan, down 0.85% [4]. - China Construction Bank (CCB) had total assets of 44.43 trillion yuan, with operating income of 385.91 billion yuan and net profit of 162.08 billion yuan, down 1.37% year-on-year [4]. - Bank of Communications (BCOM) reported total assets of 15.44 trillion yuan, with operating income of 133.5 billion yuan and net profit of 46.02 billion yuan, reflecting a year-on-year increase of 1.61% [5]. - Postal Savings Bank of China (PSBC) achieved operating income of 179.45 billion yuan and net profit of 49.23 billion yuan, with total assets reaching 18.19 trillion yuan, a year-on-year increase of 6.47% [5][6]. Group 2: Dividend Plans - All six banks have announced mid-term dividend plans, with a total distribution expected to exceed 200 billion yuan [7]. - ICBC plans to distribute 1.414 yuan per 10 shares, totaling approximately 50.4 billion yuan [7]. - ABC proposes a dividend of 1.195 yuan per 10 shares, amounting to 41.82 billion yuan, which is 30% of its net profit [7]. - BOC suggests a dividend of 1.094 yuan per 10 shares, with a total of 35.25 billion yuan, maintaining a 30% payout ratio [7]. - CCB plans to distribute 1.858 yuan per 10 shares, totaling about 48.61 billion yuan, also at a 30% payout ratio [7]. - BCOM proposes a dividend of 1.563 yuan per 10 shares, totaling 13.81 billion yuan [8]. - PSBC plans to distribute 1.230 yuan per 10 shares, amounting to approximately 14.77 billion yuan [8].

Macroeconomic Dynamics - In July, the bond market issued a total of 77,536.2 billion yuan in various bonds, including 12,226.5 billion yuan in government bonds and 13,496.8 billion yuan in corporate credit bonds [1] - As of the end of July, the bond market's custody balance reached 190.4 trillion yuan, with 168.4 trillion yuan in the interbank market and 22.0 trillion yuan in the exchange market [1] State-Owned Enterprises - From January to July, the total operating revenue of state-owned enterprises remained flat year-on-year at 473,110.9 billion yuan, while total profit decreased by 3.3% to 24,786.4 billion yuan [2] - The tax payable by state-owned enterprises for the same period was 34,694.6 billion yuan, down 0.4% year-on-year [2] - The asset-liability ratio of state-owned enterprises increased by 0.3 percentage points year-on-year to 65.1% as of the end of July [2] Foreign Exchange Market - In July, China's foreign exchange market had a total transaction volume of 28.28 trillion yuan (approximately 3.96 trillion USD), with the interbank market accounting for 24.22 trillion yuan [3] - From January to July, the cumulative transaction volume in the foreign exchange market reached 179.15 trillion yuan (approximately 24.96 trillion USD) [3] Stock Market - As of July 31, the total market capitalization of listed companies in the domestic stock market approached 95 trillion yuan, marking the highest point in nearly three years [4] - There were 5,427 listed companies, with 137 companies having a market capitalization of over 1,000 billion yuan [4] - In July, eight new companies were listed, raising a total of 24.164 billion yuan, while ten companies were delisted [4] Financial Institutions - Agricultural Bank reported a net profit of 139.943 billion yuan for the first half of the year, a year-on-year increase of 2.5% [5] - Postal Savings Bank achieved a net profit of 49.228 billion yuan in the first half of the year, up 0.85% year-on-year [6] Company Dynamics - China National Petroleum Corporation appointed Zhou Xinhai as the new General Manager and Deputy Secretary of the Party Leadership Group [9] - Kweichow Moutai completed a share buyback of 3.9276 million shares, accounting for 0.3127% of its total share capital, with a total buyback amount of 6 billion yuan [10] - China Shipbuilding Industry Corporation's stock will be delisted on September 5, 2025, with shares converted at a ratio of 1:0.1339 to China Shipbuilding's A-shares [14] - Anta Sports and Bosideng both denied rumors regarding potential acquisitions of Canada Goose Holdings Inc. [15]