Zhi Tong Cai Jing·2025-08-29 16:59Core Viewpoint - Postal Savings Bank of China (601658.SH) reported a net profit of 49.228 billion yuan for the first half of 2025, reflecting a year-on-year growth of 0.85%, with operating income reaching 179.446 billion yuan, up 1.50% year-on-year [1][2] Financial Performance - The bank's non-interest income showed significant growth, with intermediary business income increasing by 11.59% to 16.918 billion yuan, and other non-interest income rising by 25.16% to 23.470 billion yuan, both achieving double-digit growth [1] - The board proposed a cash dividend of 1.230 yuan per 10 shares for the 2025 interim period [1] Asset and Liability Management - As of the reporting period, total assets exceeded 18 trillion yuan, reaching 18.19 trillion yuan, while total liabilities surpassed 17 trillion yuan at 17.05 trillion yuan, marking new milestones for both [2] - The bank's loan portfolio increased by 622.982 billion yuan, a year-on-year increase of 1,131.13 billion yuan, with retail loans growing by 1.86% and corporate loans rising by 14.83% [2] - Total deposits surpassed 16 trillion yuan, reaching 16.11 trillion yuan, with a growth rate of 5.37%, and corporate deposits increased by 229.623 billion yuan, up 13.86% [2] Interest Rate and Profitability - The bank maintained a net interest margin of 1.70%, continuing to lead the industry, while the deposit interest rate was reduced by 21 basis points to 1.23% [2]