Major Bank PSBC Delivers Performance Report: Profit and Revenue Rise, Net Income from Fees and Commissions Soars Against Trends

On March 28, Postal Savings Bank of China released its 2025 annual report. This large bank, with its significant network advantage, maintained steady scale growth and overall operational stability.

The PSBC 2025 annual report shows that its total assets steadily increased to 18.68 trillion yuan. Full-year revenue reached 355.728 billion yuan, and net profit was 87.623 billion yuan, representing year-on-year increases of 1.99% and 1.05%, respectively.

Among these, net income from fees and commissions, with a growth rate of 16.15%, became a highlight, showcasing the bank's strength in retail.

In addition, the bank's total annual cash dividend for 2025 (including the proposed year-end dividend) was approximately 26.217 billion yuan, and it maintained a stable capital adequacy ratio of 14.52%.

Total Assets Steadily Expanding

The financial report shows that as of the end of 2025, PSBC's total assets reached 18.68 trillion yuan, an increase of 9.35% from the previous year-end; total liabilities were 17.52 trillion yuan, an increase of 9.13%.

In terms of core deposit and loan business, total customer deposits were 16.54 trillion yuan, a year-on-year increase of 8.20%; total customer loans reached 9.65 trillion yuan, a year-on-year increase of 8.25%. Among these, the balance of inclusive small and micro enterprise loans was 1.80 trillion yuan, and the balance of agricultural loans was 2.51 trillion yuan, both ranking among the top state-owned banks as a proportion of total customer loans.

In terms of profitability, in 2025, PSBC achieved operating income of 355.728 billion yuan, a year-on-year increase of 1.99%; it achieved net profit attributable to bank shareholders of 87.623 billion yuan, a year-on-year increase of 1.05%.

Similar to other large banks, PSBC's non-interest income performed brightly. Full-year net income from fees and commissions was 29.365 billion yuan, a substantial year-on-year increase of 16.15%, becoming an important driver of revenue growth.

Strong Performance in Mid-Revenue

Specifically breaking down the revenue structure, within the total revenue of 355.728 billion yuan, net interest income remains the primary source, but its growth rate faces challenges.

In contrast, intermediary business income, represented by fees and commissions, demonstrated strong growth momentum. The high year-on-year growth rate of 16.15% reflects the bank's positive progress in wealth management, agency business, bank cards, and other areas, with an optimized income structure and a reduced reliance on traditional interest rate spreads.

During the reporting period, by strengthening market analysis and deepening diversified trading strategies, other non-interest net income reached 44.743 billion yuan, a year-on-year increase of 19.73%.

More Inclusive and More Balanced

In its annual report, PSBC reiterated its strategic vision of building a first-class large retail bank that is "more inclusive, more balanced, more stable, smarter, and more dynamic."

As of the end of the reporting period, the bank had nearly 40,000 outlets, serving over 680 million individual customers. Its massive deposit base of over 16 trillion yuan and extensive network coverage in county and rural areas provide a unique foundation for its development of inclusive finance and deep engagement in retail business.

Furthermore, the stable growth of deposit and loan business, especially its service capability rooted in lower-tier markets, constitutes its fundamental business and differentiated competitiveness.

Total Annual Dividend Exceeds 26 Billion Yuan

The dividend plan, closely related to investor interests, was also released.

According to the board resolution, PSBC proposes to distribute a final cash dividend for 2025 to all ordinary shareholders registered at the close of trading on July 10, 2026, based on the total share capital. The dividend will be RMB 0.953 per 10 ordinary shares (tax inclusive), with a total cash dividend distribution of approximately RMB 11.445 billion (tax inclusive).

Combined with the interim cash dividend distributed in 2025, the total cash dividend for the full year 2025 will be RMB 2.183 per 10 ordinary shares (tax inclusive), totaling approximately RMB 26.217 billion (tax inclusive).

This profit distribution plan is subject to the approval of the annual general meeting of shareholders.

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