Postal Savings Bank of China will achieve a net profit of 87.623 billion yuan in 2025, with net income from fees and commissions increasing by 16.15% year over year.

Beijing Business Daily reported (Reporter Song Yitong) On March 27, Postal Savings Bank released its 2025 annual report. The data show that during the reporting period, the bank achieved operating income of RMB 355.728 billion, up 1.99% year over year; of which net interest income was RMB 281.620 billion, down 1.57% year over year, with the decline continuing to narrow. Net fee and commission income was RMB 29.365 billion, up 16.15% year over year; other non-interest net income was RMB 44.743 billion, up 19.73% year over year. Net profit reached RMB 87.623 billion, up 1.05%.

As of the end of the reporting period, Postal Savings Bank’s total assets were RMB 1.8688 trillion, up 9.35% from the end of the previous year; of which total customer loans were RMB 965.0 billion, up 8.25% from the end of the previous year. Total liabilities were RMB 1.7520 trillion, up 9.13% from the end of the previous year; of which customer deposits were RMB 1.6540 trillion, up 8.20% from the end of the previous year.

During the reporting period, Postal Savings Bank recorded interest income of RMB 480.903 billion, a year-over-year decrease of RMB 27.340 billion, down 5.38%. This was mainly due to the continued impact of LPR and the ongoing adjustment downward of existing mortgage loan rates, which led to a decline in the average yield on interest-earning assets. Postal Savings Bank said that in the face of downward pressure on interest rates, it adhered to RAROC (return on capital adjusted for risk) as the benchmark to dynamically optimize its asset allocation; it implemented balanced credit disbursement and flexible non-credit allocation strategies to promote steady growth in the scale of interest-earning assets.

As of the end of the reporting period, the bank’s total corporate loans were RMB 4,272.975 billion, an increase of RMB 623.812 billion from the end of the previous year, up 17.09%. This was mainly because the bank actively served national strategic planning, stepped up credit support for key business areas, and helped the real economy achieve high-quality development; it also continued to strengthen customers’ comprehensive services and further deepened the construction of the corporate finance “1+N” operating and service new system, resulting in relatively rapid growth in the scale of corporate loans.

As of the end of the reporting period, Postal Savings Bank’s total personal loans were RMB 4,844.585 billion, an increase of RMB 73.002 billion from the end of the previous year, up 1.53%. Of this, the outstanding balance of personal consumer loans was RMB 3,016.046 billion, an increase of RMB 20.047 billion from the end of the previous year, up 0.67%. This was mainly because the bank seized policy opportunities, focused on improving service capabilities, continued to increase support for consumer credit, and met residents’ multi-level and diversified consumption needs; growth in the scale of other personal consumer loans contributed to the increase. The outstanding balance of personal small loans was RMB 1,619.112 billion, an increase of RMB 81.749 billion from the end of the previous year, up 5.32%.