Zhong Guo Zheng Quan Bao·2025-08-29 15:54Core Viewpoint - Postal Savings Bank of China (PSBC) demonstrated resilience in its mid-year performance, achieving positive year-on-year growth in both operating income and net profit, while maintaining a leading net interest margin in the industry [2][4]. Financial Performance - For the first half of the year, PSBC reported operating income of 179.446 billion yuan and net profit attributable to shareholders of 49.228 billion yuan, reflecting year-on-year growth of 1.50% and 0.85% respectively [4]. - The total loan amount exceeded 9.5 trillion yuan, with a year-on-year growth of 14.83% [2]. - The net interest margin stood at 1.70%, maintaining a leading position in the industry [4]. Loan Growth - In the first half of the year, PSBC's housing loans increased by 21.316 billion yuan, marking the only positive growth among major banks and ranking first in scale [2][8]. - The bank's total loan increase was 623 billion yuan, with retail loans growing by nearly 90 billion yuan, a year-on-year increase of 1.86%, surpassing the industry average by 0.45 percentage points [5]. Consumer Loan Policy - PSBC has fully deployed the consumer loan interest subsidy policy across the bank, having developed detailed operational processes and specialized system functions [9][10]. - The bank's personal consumer loan balance reached 3.03 trillion yuan, with a net increase of 36.981 billion yuan compared to the end of the previous year [9]. Strategic Initiatives - PSBC is actively applying for approval to establish a Financial Asset Investment Company (AIC) with a proposed investment of 10 billion yuan, which is a key part of its comprehensive strategy [6]. - The bank aims to enhance its corporate finance capabilities, focusing on differentiation and building a multi-layered research system to improve its market strategies [5].