智通财经网·2025-08-29 16:55Core Viewpoint - Postal Savings Bank of China reported a slight increase in net profit and operating income for the first half of 2025, indicating stable financial performance despite a challenging economic environment [1][2]. Financial Performance - The bank achieved a net profit attributable to shareholders of 49.228 billion yuan, a year-on-year increase of 0.85% [1]. - Operating income reached 179.446 billion yuan, reflecting a growth of 1.50% compared to the previous year [1]. - Non-interest income showed significant growth, with intermediary business income rising to 16.918 billion yuan, up 11.59%, and other non-interest income increasing to 23.470 billion yuan, up 25.16% [1]. Asset and Liability Management - Total assets surpassed 18 trillion yuan, reaching 18.19 trillion yuan, while total liabilities exceeded 17 trillion yuan at 17.05 trillion yuan [2]. - The bank's loan portfolio increased by 622.982 billion yuan, a year-on-year increase of 1,131.13 billion yuan, with a notable growth in corporate loans by 14.83% [2]. - Retail loans grew by 8.8793 billion yuan, reflecting a 1.86% increase, which is above the industry average [2]. Deposit Growth and Management - Total deposits exceeded 16 trillion yuan, reaching 16.11 trillion yuan, with a growth rate of 5.37% [2]. - Corporate deposits increased by 229.623 billion yuan, marking a growth of 13.86% [2]. - The bank maintained a net interest margin of 1.70%, continuing to lead the industry [2].