Jing Ji Guan Cha Bao·2025-09-17 05:13Core Insights - Postal Savings Bank of China (PSBC) has demonstrated resilience and steady growth in its financial performance, particularly in agricultural loans, which reached 2.44 trillion yuan by mid-2025, accounting for over 25% of total customer loans [1][3][2] - The bank's total assets surpassed 18 trillion yuan, with a year-on-year growth of 6.47%, indicating a stable business scale [2] - PSBC's focus on rural revitalization and agricultural finance has positioned it as a leader in providing financial services to rural areas, enhancing its competitive edge in the banking sector [4][5] Financial Performance - As of June 2025, PSBC's total assets reached 18.19 trillion yuan, with customer loans totaling 9.54 trillion yuan, reflecting a growth of 6.99% from the previous year [2][3] - The bank's net profit for the first half of 2025 was 494.15 billion yuan, a year-on-year increase of 1.08%, showcasing its stable profitability [2] - Non-interest income has seen significant growth, with middle business income increasing by 11.59% and other non-interest income rising by 25.16% [2] Agricultural Loan Growth - PSBC's agricultural loan balance grew by 21.28% year-on-year, reaching 2.24 trillion yuan, highlighting the bank's commitment to supporting the agricultural sector [9] - The bank's strategy includes optimizing small loan products for staple grain planting and enhancing financial support for rural infrastructure projects [9][6] Rural Revitalization Initiatives - PSBC has established a comprehensive financial service model that integrates payment, credit, and wealth management tailored to rural needs [7] - The bank's "Industry Smart Payment" solution has been implemented across over 160 cities, providing efficient financial services to various agricultural sectors [7] - The bank's collaboration with local agricultural enterprises, such as the "Jiyou Shen Loan" series for ginseng, exemplifies its targeted approach to supporting local industries [8] Digital Transformation - PSBC is leveraging digital technology to enhance its financial services, including the development of a "Rural Financial Service Portrait" data product to better understand and meet customer needs [10] - The bank is actively pursuing partnerships to integrate digital solutions into agricultural financing, aiming to improve transaction efficiency and reduce costs [11] - The ongoing digital transformation efforts are expected to bolster the bank's service capabilities and support its strategic goals in rural finance [12]