Jin Rong Shi Bao·2025-11-03 02:33Core Insights - Postal Savings Bank of China reported a revenue of 265.08 billion yuan for the first three quarters of 2025, representing a year-on-year growth of 1.82% [1] - The net interest margin stood at 1.68%, maintaining an excellent level within the industry, with interest income showing gradual improvement [1] - Non-interest income increased by 27.52% year-on-year, contributing to a rise in its share of total revenue by 2.40 percentage points [1] Financial Performance - Total assets reached 18.61 trillion yuan, an increase of 1.52 trillion yuan or 8.90% compared to the end of the previous year [1] - Total customer loans amounted to 9.66 trillion yuan, up by 742.69 billion yuan or 8.33% year-on-year, with personal loans at 4.86 trillion yuan (up 1.90%) and corporate loans at 4.30 trillion yuan (up 17.91%) [1] Risk Management - As of the end of September, the non-performing loan balance was 91.01 billion yuan, an increase of 10.69 billion yuan from the end of the previous year, with a non-performing loan ratio of 0.94% [1] - The provision coverage ratio was 240.21%, a decrease of 45.94 percentage points compared to the end of the previous year [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, while the total capital adequacy ratio reached 14.66%, an increase of 0.22 percentage points, all meeting regulatory requirements [2]