Postal Savings Bank of China reports Q3 2025 growth, proposes interim dividend

For the nine months ended September 30, 2025, Postal Savings Bank of China (PSBC) reported operating income of RMB265,196 million, a 1.78% year-on-year increase. Net profit attributable to equity holders rose 0.98% to RMB76,562 million. Total assets grew 8.90% to RMB18,605,653 million, driven by an 8.33% increase in total loans to customers to RMB9,655,891 million. Customer deposits also increased by 6.08% to RMB16,216,444 million.

The bank's net interest income decreased by 2.07% to RMB210,505 million, but net fee and commission income saw an 11.48% increase to RMB23,094 million. Other non-interest income significantly rose by 26.87% to RMB31,597 million. Credit impairment losses increased by 22.97% to RMB23,283 million.

PSBC’s CET1 capital adequacy ratio stood at 10.65%, an increase of 1.09 percentage points from the prior year-end, while the NPL ratio was 0.94%, a 0.04 percentage point increase. The bank’s board also proposed interim cash dividends of RMB1.230 per ten shares for 2025, totaling approximately RMB14,772 million.