Major banks and postal savings deliver their performance reports: profit both from interest and fee income doubling, with net income from fees and commissions surging against the trend

On March 28, China Postal Savings Bank released its 2025 annual report. This large bank, which has clear advantages in its branch network, has maintained steady growth in scale and overall business stability.

The 2025 report from Postal Savings Bank shows that its total assets have steadily increased to 18.68 trillion yuan. It achieved a revenue of 355.728 billion yuan for the year, with a net profit of 87.623 billion yuan, representing year-on-year growth of 1.99% and 1.05%, respectively.

Among these, net income from fees and commissions grew at a rate of 16.15%, highlighting the bank’s strengths in retail.

Additionally, the total annual cash dividend for 2025 (including the proposed year-end dividend) is approximately 26.217 billion yuan, maintaining a solid capital adequacy ratio of 14.52%.

Steady Expansion of Total Assets

The financial report shows that as of the end of 2025, Postal Savings Bank’s total assets reached 18.68 trillion yuan, an increase of 9.35% compared to the end of the previous year; total liabilities were 17.52 trillion yuan, up 9.13%.

In its core deposit and loan business, total customer deposits amounted to 16.54 trillion yuan, a year-on-year increase of 8.20%; total customer loans reached 9.65 trillion yuan, up 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 among state-owned banks.

In terms of profitability, in 2025, Postal Savings Bank achieved an operating income of 355.728 billion yuan, a year-on-year increase of 1.99%; and net profit attributable to bank shareholders reached 87.623 billion yuan, up 1.05% year-on-year.

Similar to other large banks, Postal Savings Bank’s non-interest income performed well, with total net income from fees and commissions at 29.365 billion yuan, a substantial year-on-year increase of 16.15%, becoming an important driver of revenue growth.

Strong Performance in Non-Interest Income

Breaking down the revenue composition, net interest income remains the primary source of the total revenue of 355.728 billion yuan, but its growth rate faces challenges.

In contrast, the income from intermediary business represented by fees and commissions has shown strong growth momentum. The year-on-year growth rate of 16.15% reflects positive progress in the bank’s operations in wealth management, agency services, and credit cards, optimizing the revenue structure and potentially reducing dependence on traditional interest rate spreads.

During the reporting period, the bank strengthened market analysis, deepened diversified trading strategies, and other non-interest net income reached 44.743 billion yuan, up 19.73% year-on-year.

More Inclusive and Balanced

Postal Savings Bank reiterated its strategic vision to build a “more inclusive, more balanced, more robust, smarter, and more vibrant” first-class large retail bank in its annual report.

As of the end of the reporting period, the bank had nearly 40,000 business outlets, serving over 680 million individual customers. Its vast customer deposit base exceeding 16 trillion yuan and extensive county and rural outlet layout provide a unique foundation for developing inclusive finance and deepening retail business.

Additionally, stable growth in deposit and loan business, particularly its ability to serve deeper markets, constitutes the bank’s fundamental business base and differentiated competitiveness.

Total Annual Dividend Exceeds 26 Billion Yuan

A dividend plan closely related to investor interests has also been released.

According to the board’s resolution, Postal Savings Bank intends to distribute a year-end cash dividend for 2025 to all ordinary shareholders registered by the close of business on July 10, 2026, based on the total share capital, with a distribution of 0.953 yuan (tax included) for every 10 shares of ordinary stock, totaling approximately 11.445 billion yuan (tax included).

Adding to the interim cash dividends distributed for the 2025 fiscal year, the total cash dividend for 2025 amounts to 2.183 yuan (tax included) for every 10 shares, with a total cash dividend distribution of approximately 26.217 billion yuan (tax included).

This profit distribution plan is subject to approval at the annual shareholders’ meeting.

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