Ge Long Hui·2025-10-30 19:53Core Insights - Postal Savings Bank of China (PSBC) reported a revenue of 265.08 billion yuan for the first three quarters of 2025, an increase of 4.73 billion yuan, or 1.82% year-on-year [1] - The net profit for the same period reached 76.794 billion yuan, up by 0.811 billion yuan, or 1.07% year-on-year [1] - The bank's total assets amounted to 18.61 trillion yuan, reflecting an increase of 1.52 trillion yuan, or 8.90% from the end of the previous year [1] Financial Performance - The annualized return on total assets was 0.58%, while the annualized return on equity was 10.67% [1] - Total customer loans reached 9.66 trillion yuan, an increase of 742.69 billion yuan, or 8.33% from the end of the previous year [1] - Personal loans stood at 4.86 trillion yuan, increasing by 907.54 billion yuan, or 1.90%, while corporate loans rose to 4.30 trillion yuan, up by 653.54 billion yuan, or 17.91% [1] Asset Quality - As of September 2025, the non-performing loan (NPL) balance was 91.009 billion yuan, an increase of 10.69 billion yuan from the end of the previous year [1] - The NPL ratio was 0.94%, up by 0.04 percentage points year-on-year [1] - The provision coverage ratio was 240.21%, down by 45.94 percentage points from the end of the previous year [1] - The annualized NPL generation rate for the first three quarters was 0.93% [1] Capital Adequacy - The core tier 1 capital adequacy ratio was 10.65%, an increase of 1.09 percentage points from the end of the previous year [2] - The tier 1 capital adequacy ratio was 12.23%, up by 0.34 percentage points year-on-year [2] - The overall capital adequacy ratio stood at 14.66%, reflecting an increase of 0.22 percentage points from the previous year-end, all meeting regulatory requirements [2]