Cai Jing Wang·2025-10-31 07:16Core Insights - Postal Savings Bank of China reported a net profit of 76.562 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 0.98% [1] - The bank's operating income reached 265.08 billion yuan, an increase of 1.82% year-on-year, driven by stable interest margins and growth in non-interest income [1] - The total assets of the bank amounted to 18.61 trillion yuan, reflecting an increase of 1.52 trillion yuan or 8.90% compared to the end of the previous year [1] Financial Performance - Net interest income was 210.505 billion yuan, a decrease of 4.442 billion yuan or 2.07% year-on-year, with the decline narrowing by 0.60 percentage points compared to the mid-year report [1] - Non-interest income reached 31.481 billion yuan, an increase of 6.794 billion yuan or 27.52% year-on-year, attributed to enhanced market analysis and increased trading activities in bonds and bills [1] - The bank's total liabilities were 17.44 trillion yuan, up by 1.39 trillion yuan or 8.64% from the end of the previous year [1] Loan and Deposit Growth - Customer loans totaled 9.66 trillion yuan, an increase of 742.689 billion yuan or 8.33% compared to the end of the previous year, with a year-on-year increase of 112.209 billion yuan [1] - Customer deposits reached 16.22 trillion yuan, reflecting an increase of 928.903 billion yuan or 6.08% from the end of the previous year [1] Asset Quality and Capital Management - The non-performing loan ratio stood at 0.94%, maintaining a low level over the years [2] - The core tier one capital adequacy ratio improved to 10.65%, an increase of 1.09 percentage points compared to the end of the previous year [2]