Jin Rong Shi Bao·2025-09-03 01:03Core Viewpoint - Postal Savings Bank of China (PSBC) has shown significant growth in corporate loans, indicating a strategic shift towards corporate finance that aligns with industry trends [1][2]. Group 1: Corporate Loan Growth - As of June 2025, PSBC's corporate loans increased by 541.098 billion yuan, a growth of 14.83%, with a year-on-year increase of 222.924 billion yuan [1]. - The proportion of corporate loans in the total credit volume rose from 62% at the end of 2021 to 67% in the first half of this year, with corporate credit accounting for 75% of new credit in June [1]. Group 2: Strategic Initiatives - PSBC has implemented a "1+N" operational and service system focused on customer-centricity, aiming to cultivate loyal and high-return corporate clients [2]. - The bank has seen a 62% increase in its main bank clients in the first half of the year, with these clients contributing 1.93 times the revenue and 1.33 times the risk-adjusted return on capital compared to general corporate clients [2]. Group 3: Operational Efficiency and Performance - PSBC has established an integrated service system that enhances operational efficiency by breaking down barriers between departments and optimizing traditional workflows [2]. - The total assets of corporate loans exceeded 4 trillion yuan, and the financing volume for corporate clients surpassed 6.4 trillion yuan, maintaining double-digit growth for three consecutive years [3]. - The new loan yield for PSBC's corporate loans is consistently about 30 basis points higher than the industry average, while the interest rate on liabilities is 20 basis points lower than peers, with a non-performing loan ratio of 0.49%, down 5 basis points from the end of last year [3].