Jing Ji Guan Cha Wang·2025-10-30 10:37Core Insights - Postal Savings Bank of China (PSBC) reported a stable performance in risk control with a non-performing loan ratio of 0.94% as of September [2] - The bank accelerated its "Look Forward" technology application, with customer approvals increasing by 37.24% year-on-year and the approval amount reaching 4.62 trillion yuan, a 170.30% increase [2] - PSBC achieved double growth in revenue and net profit in the first three quarters, enhancing its risk management capabilities [2] Revenue Performance - PSBC's operating income for the first three quarters was 265.08 billion yuan, a year-on-year increase of 1.82% [3] - The net interest margin stood at 1.68%, maintaining an excellent industry level, with interest income improving quarterly [3] - Non-interest income grew by 27.52% year-on-year, contributing to an increase in its share of total revenue by 2.40 percentage points [3] - The bank's net profit reached 76.79 billion yuan, reflecting a year-on-year growth of 1.07% [3] Cost Management - PSBC implemented refined cost management, resulting in a 2.66% decrease in business and management expenses year-on-year [3] - The cost-to-income ratio improved to 57.40%, down 2.65 percentage points from the previous year [3] Asset Management - The bank's loans increased by 742.69 billion yuan, with a year-on-year increase of 112.21 billion yuan [4] - Corporate loans rose by 653.54 billion yuan, a growth of 17.91%, enhancing the stability of its retail and corporate loan structure [4] - Investment income saw a significant increase of 76.70% year-on-year [4] Liability Management - PSBC's deposits increased by 928.90 billion yuan, a growth of 6.08%, with corporate deposits rising by 201.81 billion yuan, a 12.19% increase [4] - The average interest rate on interest-bearing liabilities decreased to 1.22%, down 25 basis points from the previous year, maintaining a strong position among listed banks [4]