Zhi Tong Cai Jing·2025-08-29 09:20Core Viewpoint - Postal Savings Bank of China (601658) reported its mid-year performance for 2025, showing a slight increase in operating income but a decline in net interest income, while non-interest income saw significant growth [1] Financial Performance - Operating income reached 179.525 billion yuan, an increase of 1.47% year-on-year [1] - Net interest income was 139.058 billion yuan, a decrease of 2.67% year-on-year [1] - Non-interest income amounted to 40.467 billion yuan, reflecting an increase of 18.87% year-on-year [1] - Net profit attributable to shareholders was 49.228 billion yuan, up by 0.85% year-on-year [1] - Earnings per share stood at 0.43 yuan, with a dividend distribution of 1.230 yuan per 10 shares (tax included) [1] Asset and Liability Position - Total assets exceeded 18 trillion yuan, reaching 18.19 trillion yuan [1] - Total liabilities surpassed 17 trillion yuan, amounting to 17.05 trillion yuan [1] - Both total assets and liabilities have reached new milestones [1] Risk Management - Non-performing loan ratio was 0.92%, maintaining an excellent level [1] - Provision coverage ratio was 260.35%, indicating sufficient risk compensation capacity [1]