Mei Ri Jing Ji Xin Wen·2025-09-02 11:05Group 1 - The core viewpoint of the report is that Wanlian Securities has given Postal Savings Bank (601658.SH, latest price: 6.21 yuan) an "overweight" rating due to strong credit growth and a decrease in the provision coverage ratio [1][1][1] Group 2 - The report highlights that credit growth remains at a high level, indicating robust lending activity within the bank [1] - It notes a decline in the provision coverage ratio on a month-on-month basis, which may suggest changes in risk management practices [1] - The report emphasizes that the banking industry is significantly influenced by macroeconomic conditions, monetary policy, and regulatory policies, which can impact the bank's operations, including net interest margin and asset quality expectations [1][1][1]