)
Visual
earnings real time
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Postal Savings Bank of China earnings date
Q4 202526 Mar, 2026
Next Postal Savings Bank of China earnings date
Q4 202526 Mar, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage