On August 29, Postal Savings Bank of China disclosed its first-half 2025 performance results. During the reporting period, the bank achieved net profit attributable to shareholders of 49.228 billion yuan, representing a year-on-year increase of 0.85%, while operating revenue reached 179.446 billion yuan, up 1.50% year-on-year.

The bank recorded net interest income of 139.058 billion yuan, down 2.67% year-on-year, while non-interest income contribution improved significantly. Net fee and commission income reached 16.918 billion yuan, up 11.59% year-on-year, and other non-interest income totaled 23.470 billion yuan, up 25.16% year-on-year, both achieving double-digit growth. The net interest yield stood at 1.70%, with a net interest margin of 1.69%.

As of the end of the reporting period, the non-performing loan ratio remained at an excellent level of 0.92%, with provision coverage ratio at 260.35%, capital adequacy ratio at 14.57%, and core tier-1 capital adequacy ratio at 10.52%, representing increases of 0.13 and 0.96 percentage points respectively compared to the end of the previous year, demonstrating sufficient risk coverage capacity.

During the reporting period, PSBC's personal banking business generated revenue of 116.911 billion yuan, accounting for 65.15% of total revenue. As of the end of the reporting period, the bank's total personal loans amounted to 4,860.376 billion yuan, an increase of 88.793 billion yuan or 1.86% compared to the end of the previous year.

Within personal loans, consumer loans totaled 3,032.980 billion yuan, increasing by 36.981 billion yuan or 1.23% from the previous year-end, while personal micro loans reached 1,602.690 billion yuan, up 65.327 billion yuan or 4.25% from the previous year-end.

As of the end of the reporting period, the bank served 674 million individual customers and managed personal customer assets (AUM) of 17.67 trillion yuan, an increase of over 980 billion yuan compared to the previous year-end. Mobile banking monthly active users (MAU) approached 86 million, while credit card app monthly active customers reached nearly 7.5 million.

As of the end of the reporting period, outstanding credit cards totaled 38.5756 million cards. Credit card overdraft and other balances stood at 224.706 billion yuan. During the reporting period, credit card transaction volume reached 456.442 billion yuan. As of the end of the reporting period, the non-performing loan ratio for credit card overdrafts and other loans was 1.55%.

PSBC capitalized on national policies to expand domestic demand and boost consumption, fully leveraging credit cards' important role in stimulating consumption. The bank strengthened intensive operational capabilities, improved refined management levels, continuously enhanced credit card customer quality and loyalty, and promoted steady and sustainable development of credit card business to provide high-quality financial services to retail customers.

The bank also disclosed the first-half performance of China Post Consumer Finance. As of the end of the reporting period, China Post Consumer Finance had total assets of 72.351 billion yuan, up 7.62% from the previous year-end, and net assets of 7.346 billion yuan. During the reporting period, China Post Consumer Finance achieved operating revenue of 3.972 billion yuan and net profit of 633 million yuan, up 165.97% year-on-year.