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Postal Savings Bank of China
Postal Savings Bank of China (1658) investor relations material
Postal Savings Bank of China Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved high-quality development with structural optimization, balanced operations, and robust risk management for the nine months ended September 30, 2025.
Accelerated capital-light transformation, digitalization, and innovation, focusing on inclusive finance, technology, green finance, and pension services.
Enhanced asset-liability management, with significant growth in both loans and deposits, and maintained industry-leading net interest margin.
Financial highlights
Operating income reached RMB265,196 million, up 1.78% year-over-year; net profit was RMB76,794 million, up 1.07%.
Net interest income was RMB210,505 million, down 2.07% year-over-year; net interest margin stood at 1.68%.
Net fee and commission income rose 11.48% to RMB23,094 million; other non-interest income increased 26.87%.
Operating expenses decreased 2.34% to RMB154,747 million; cost-to-income ratio improved by 2.54 percentage points to 57.52%.
Total assets grew 8.90% to RMB18,605,653 million; total loans to customers rose 8.33% to RMB9,655,891 million.
Customer deposits increased 6.08% to RMB16,216,444 million; equity attributable to shareholders up 13.01%.
Outlook and guidance
Will continue to pursue high-quality development, deepen reforms, and enhance digital and intelligent capabilities.
Strategic focus on concluding the 14th Five-Year Plan and preparing for the 15th, with emphasis on resilience and transformation.
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Next Postal Savings Bank of China earnings date
Q4 202528 Mar, 2026
Postal Savings Bank of China
Next Postal Savings Bank of China earnings date
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Frequently asked questions
Postal Savings Bank of China Co., Ltd. is a China-based commercial bank providing a broad range of retail and corporate banking services. The bank specializes in savings accounts, personal and corporate loans, wealth management, and financial services for small and medium-sized enterprises, with a focus on rural and underbanked communities. Leveraging an extensive nationwide branch network, Postal Savings Bank of China emphasizes accessibility and financial inclusion across urban and rural regions. Its services span deposits, credit cards, electronic banking, and investment products. The company is headquartered in Beijing, China, and its shares are listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange.
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