Zhong Guo Jing Ying Bao·2025-04-10 02:12Core Viewpoint - Postal Savings Bank has demonstrated resilience in a challenging banking environment, achieving significant growth in assets, revenue, and profit while maintaining a strong net interest margin of 1.87% in 2024 [2][3] Financial Performance - The bank's total assets exceeded 17 trillion yuan, reaching 17.08 trillion yuan, an increase of 8.64% from the previous year [3] - Revenue grew by 1.83% year-on-year, totaling 945.92 billion yuan, while net profit increased by 3.27% [2] - Net interest income reached 286.12 billion yuan, up 1.53% year-on-year, and non-interest income rose to 626.52 billion yuan, a growth of 3.21% [5] Strategic Focus - The bank emphasizes "long-termism" and does not pursue blind expansion, instead opting for refined management to balance scale and efficiency [2][3] - A dual strategy of stabilizing net interest income and enhancing non-interest income has been pivotal for growth [3] Customer-Centric Innovations - The bank has accelerated service model innovations in inclusive finance, with agricultural loans and microloans both growing over 12% [4] - In technology finance, the bank served over 90,000 tech enterprises, with financing balances exceeding 500 billion yuan, marking a growth of over 40% [4] Risk Management - The non-performing loan ratio remained below 1%, with a provision coverage ratio of 286.15%, indicating strong risk control measures [5] Organizational Reforms - The bank is undergoing comprehensive reforms in organizational structure, incentive mechanisms, and digital transformation to enhance internal motivation and operational efficiency [10][11] - Cost-to-income ratio decreased by 0.59 percentage points, reflecting the effectiveness of internal reforms [12] Future Outlook - Postal Savings Bank aims to integrate into national development plans and expand financial support for new productive forces, targeting high-quality growth in the coming years [13]