该行前三季度利息净收入达2105.05亿元，同比下滑2.07%，营收占比为79.41%。分季度看，该行三季度 单季利息净收入达714.47亿元，连续两个季度上升。 10月30日，邮储银行发布2025年三季报。数据显示，截至2025年9月末，邮储银行资产总额达18.61万亿 元，较上年末增长8.9%；前三季度实现营收2650.8亿元，同比增长1.82%；净利润达767.94亿元，同比 增长1.07%，营收、净利润延续上半年"双增"态势。 截至2025年9月末，邮储银行不良率为0.94%，较去年末上升0.04个百分点。该行在财报中提到，前三季 度，该行积极应对零售贷款资产质量阶段性压力，通过加大风险制衡约束和化解处置力度等措施，风险 态势平稳可控。 营收、净利润双增，利息净收入逐季改善 数据显示，截至2025年9月末，邮储银行资产总额达18.61万亿元，较上年末增加1.5万亿元，增幅 8.9%。 邮储银行在三季报中提到，该行坚持以RAROC（风险调整后资本收益率）为标尺，全面提升各类资产 的均衡配置能力，前三季度贷款增加7426.89亿元，存贷比较上年末提高1.24个百分点；其中对公贷款增 加6535.42亿元， ...

Core Viewpoint - Postal Savings Bank of China (601658.SH) reported a net profit of 49.228 billion yuan for the first half of 2025, reflecting a year-on-year growth of 0.85%, with operating income reaching 179.446 billion yuan, up 1.50% year-on-year [1][2] Financial Performance - The bank's non-interest income showed significant growth, with intermediary business income increasing by 11.59% to 16.918 billion yuan, and other non-interest income rising by 25.16% to 23.470 billion yuan, both achieving double-digit growth [1] - The board proposed a cash dividend of 1.230 yuan per 10 shares for the 2025 interim period [1] Asset and Liability Management - As of the reporting period, total assets exceeded 18 trillion yuan, reaching 18.19 trillion yuan, while total liabilities surpassed 17 trillion yuan at 17.05 trillion yuan, marking new milestones for both [2] - The bank's loan portfolio increased by 622.982 billion yuan, a year-on-year increase of 1,131.13 billion yuan, with retail loans growing by 1.86% and corporate loans rising by 14.83% [2] - Total deposits surpassed 16 trillion yuan, reaching 16.11 trillion yuan, with a growth rate of 5.37%, and corporate deposits increased by 229.623 billion yuan, up 13.86% [2] Interest Rate and Profitability - The bank maintained a net interest margin of 1.70%, continuing to lead the industry, while the deposit interest rate was reduced by 21 basis points to 1.23% [2]