【邮储银行行长刘建军：5月非对称降息缓解息差压力 已处置表内外不良贷款本息473亿元】智通财经8 月29日电，今日下午，邮储银行在京举行2025中期业绩发布会。在谈及净息差时，邮储银行行长刘建军 明确指出，5月份的非对称降息后，银行的息差压力有了明显缓解。同时，上半年通过信贷规模增长和 结构优化、负债成本管控实现了利息净收入表现的改善。此外，上半年，该行加大清收处置力度，以多 元化处置提增贡献，处置表内外不良贷款本息473亿元，同比增长超过50%。（智通财经记者 彭科峰） 转自：智通财经 ...

今日工商银行、农业银行、中国银行、建设银行、邮储银行、交通银行等六大国有行纷纷披露了半年 报。 工商银行半年报显示，公司上半年实现营业收入4091亿元，同比增长1.8%；归母净利润1681.0亿元人民 币，同比下降1.4%。 农业银行半年报显示，公司上半年实现营业收入3697.93亿元，同比增长0.7%；净利润1399.43亿元，同 比增长2.5%。 来源 | 智通财经 往期推荐 400米高空两架无人机对撞！上海环球金融中心96层平台防水层被砸出坑洞，运营方已报警！9年95起事 故，这里成"黑飞"重灾区 延误21分钟赔，22分钟就不赔…航旅纵横9.9元延误险被指像"买彩票"，"赔付概率几乎为零"，平台回 应：已下架 被判9年落马副行长出狱当网红，一周吸粉超两万！抖音通报：以犯罪经历博眼球，已处置禁言→ 上海66套豪宅1小时售罄，单价近20万/平，主力户型315-1115平，套均总价超7300万→ 中国银行半年报显示，公司上半年实现净利润1175.9亿元人民币，同比下降0.9%；营业收入3294.18亿 元，税后利润1261.38亿元。 建设银行半年报显示，公司上半年实现经营收入3859.05亿元，同比增长2. ...

金鹰持久增利债券型证券投资基金(LOF)2025 年中期报告 金鹰持久增利债券型证券投资基金(LOF) 基金管理人：金鹰基金管理有限公司 基金托管人：中国邮政储蓄银行股份有限公司 送出日期：二〇二五年八月三十日 金鹰持久增利债券型证券投资基金(LOF)2025 年中期报告 基金管理人的董事会、董事保证本报告所载资料不存在虚假记载、误导性陈述或重大遗漏，并 对其内容的真实性、准确性和完整性承担个别及连带的法律责任。本中期报告已经三分之二以上独 立董事签字同意，并由董事长签发。 基金托管人中国邮政储蓄银行股份有限公司根据本基金合同规定，于 2025 年 8 月 29 日复核了 本报告中的财务指标、净值表现、利润分配情况、财务会计报告、投资组合报告等内容，保证复核 内容不存在虚假记载、误导性陈述或者重大遗漏。 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利。 基金的过往业绩并不代表其未来表现。投资有风险，投资者在作出投资决策前应仔细阅读本基 金的招募说明书及其更新。 本报告中财务资料未经审计。 本报告期自 2025 年 1 月 1 日起至 6 月 30 日止。 金鹰持久增利债券型证 ...

Core Viewpoint - The six major state-owned banks in China reported their mid-year performance for 2025, showing a steady increase in total assets but mixed results in operating performance, with a collective net profit exceeding 680 billion yuan and a total dividend plan exceeding 200 billion yuan [2][3][4]. Group 1: Overall Performance - In the first half of 2025, the total assets of the six major banks continued to grow, with the Industrial and Commercial Bank of China (ICBC) surpassing 52 trillion yuan in total assets [4]. - The combined net profit of the six banks for the first half of 2025 was over 680 billion yuan, indicating a decline in net profit for some banks despite revenue growth [4]. Group 2: Individual Bank Performance - **Industrial and Commercial Bank of China (ICBC)**: Total assets exceeded 52 trillion yuan, with operating income of 409.08 billion yuan (up 1.8%) and net profit of 168.10 billion yuan (down 1.4%). The non-performing loan (NPL) ratio was 1.33%, and the capital adequacy ratio was 19.54% [5][6]. - **Agricultural Bank of China**: Total assets reached 46.9 trillion yuan, with operating income of 369.8 billion yuan (up 0.7%) and net profit of 139.5 billion yuan (up 2.7%). The NPL ratio was 1.28% [6][7]. - **Bank of China**: Total assets were 36.79 trillion yuan, with operating income of 329.42 billion yuan (up 3.61%) and net profit of 117.59 billion yuan (down 0.85%). The NPL ratio was 1.24% [7][8]. - **China Construction Bank**: Total assets reached 44.43 trillion yuan, with operating income of 385.91 billion yuan (up 2.95%) and net profit of 162.08 billion yuan (down 1.37%). The NPL ratio was 1.33% [8][9]. - **Bank of Communications**: Total assets were 15.44 trillion yuan, with operating income of 133.50 billion yuan (up 0.72%) and net profit of 46.02 billion yuan (up 1.61%). The NPL ratio was 1.28% [9][10]. - **Postal Savings Bank of China**: Total assets reached 18.19 trillion yuan, with operating income of 179.45 billion yuan (up 1.50%) and net profit of 49.23 billion yuan (up 0.85%). The NPL ratio was 0.92% [10][11]. Group 3: Dividend Plans - All six banks announced mid-term dividend plans, with a total dividend amount exceeding 200 billion yuan. ICBC proposed a cash dividend of 1.414 yuan per 10 shares, totaling approximately 50.40 billion yuan [10][11]. - Agricultural Bank of China proposed a cash dividend of 1.195 yuan per 10 shares, totaling 41.82 billion yuan [10][11]. - Bank of China suggested a cash dividend of 1.094 yuan per 10 shares, totaling 35.25 billion yuan [10][11]. - China Construction Bank proposed a cash dividend of 1.858 yuan per 10 shares, totaling approximately 48.61 billion yuan [10][11]. - Bank of Communications proposed a cash dividend of 1.563 yuan per 10 shares, totaling 13.81 billion yuan [10][11]. - Postal Savings Bank of China proposed a cash dividend of 1.230 yuan per 10 shares, totaling approximately 14.77 billion yuan [10][11].

（文章来源：证券日报） 证券日报网讯 8月29日晚间，邮储银行发布公告称，公司董事会审议通过了《关于中国邮政储蓄银行向 特定对象发行A股股票募集资金存放与实际使用情况专项报告的议案》等多项议案。 ...

（文章来源：证券日报） 证券日报网讯 8月29日晚间，邮储银行发布公告称，公司监事会审议通过了《关于中国邮政储蓄银行 2025年半年度报告、摘要及业绩公告的议案》等多项议案。 ...

今年上半年，邮储银行首次获得国家大规模注资，成功完成A股定向增发1,300亿元，全面提升各级资本 充足水平；首次主动调整代理费率，有力推进"自营+代理"模式市场化运行；拟发起设立金融资产投资 公司，进一步提升综合化经营能力。截至2025年6月末，邮储银行资本充足率14.57%，核心一级资本充 足率10.52%，分别较上年末提升0.13个、0.96个百分点。 在资产质量方面，截至2025年6月末，邮储银行不良贷款率0.92%，拨备覆盖率260.35%，风险抵补能力 充足。 编辑：刘润榕 半年报显示，今年上半年，邮储银行实现营业收入1794.46亿元，其中利息净收入1,390.58亿元；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%，中收和其他非息收入均实现两位数增长，占营业收入的比重分别同比提升0.85个、2.47个百分 点。 新华财经北京8月29日电（记者吴丛司）邮储银行29日发布2025年半年报显示，该行今年上半年实现营 业收入1794.46亿元，同比增长1.5%；归属于银行股东的净利润492.28亿元，同比增长0.85%。 截至 ...

Core Viewpoint - Postal Savings Bank of China (601658) reported a significant increase in net profit for its subsidiary, China Post Consumer Finance, in the first half of 2025, indicating strong financial performance and growth potential in the consumer finance sector [1] Financial Performance - China Post Consumer Finance achieved an operating income of 3.972 billion yuan, representing a year-on-year growth of 6.95% [1] - The net profit for the same period reached 633 million yuan, showing a remarkable year-on-year increase of 165.97% [1] Loan Pricing and Issuance - The comprehensive loan pricing of the company decreased by 21 basis points compared to the end of the previous year [1] - The company issued 103.8 billion yuan in inclusive loans during the first half of the year [1]

香港联交所最新资料显示，8月27日，中国平安（601318）保险(集团)股份有限公司增持邮储银行 （601658）(01658)1433.6万股，每股作价为5.4895港元，总金额约为7869.75万港元。增持后最新持股数 目约为31.89亿股，最新持股比例为16.06%。 ...

Core Insights - Postal Savings Bank of China (PSBC) reported a total asset of 18.19 trillion yuan as of June 30, 2025, representing a year-on-year growth of 6.47% [1] - The bank's total liabilities reached 17.05 trillion yuan, an increase of 6.21% compared to the end of the previous year [1] - Operating income for the first half of 2025 was 179.446 billion yuan, reflecting a year-on-year growth of 1.50% [1] - Net profit stood at 49.415 billion yuan, with a growth of 1.08% [1] - The net interest margin was maintained at 1.70%, continuing to lead the industry [1] Asset Management - The bank focuses on long-termism, balancing "quantity, price, and risk" for coordinated development, using RAROC as a benchmark for dynamic resource allocation [1] - PSBC aims to optimize its asset structure and enhance value creation capabilities by aligning its resources with key sectors and increasing credit investment in strategic areas [1] - The bank emphasizes research-driven initiatives to flexibly optimize the structure of non-credit business, improving the quality and efficiency of fund utilization [1] Liability Management - PSBC has implemented a value deposit management mechanism, incorporating low-cost interbank demand deposits to grow its self-operated deposit scale [2] - The bank successfully completed a 130 billion yuan A-share private placement, enhancing its capital adequacy levels [2] - As of June 30, 2025, the capital adequacy ratio was 14.57%, and the core tier 1 capital adequacy ratio was 10.52%, both showing improvements from the previous year [2] Service Focus - PSBC remains committed to serving "agriculture, rural areas, and farmers," as well as urban residents and small and medium-sized enterprises [2] - The bank operates nearly 40,000 outlets nationwide, serving over 670 million individual customers, establishing a differentiated core advantage in inclusive finance [2] - As of June 30, 2025, the bank's agricultural loan balance was 2.44 trillion yuan, and the balance of inclusive small and micro enterprise loans was 1.72 trillion yuan, both leading among state-owned banks [2]