The report for the third quarter of 2026 released by the Postal Savings Bank of China on October 30 shows that in the first three quarters of this year, the Postbank focused on long-term structural changes, accelerated the upgrading of its balance sheet and revenue structure, and expanded and strengthened non-interest income, showing a good trend of steady progress and improvement in quality and efficiency. It achieved operating income of 281,610 billion yuan, an increase of 6.24% year on year, and net profit of 808 billion yuan, an increase of 4.45% year on year. The two-wheel drive revenue pattern was built at an accelerated pace, and non-interest revenue increased 12.63% year over year, accounting for 1.24 percentage points of revenue. The net interest yield is 1.60%, maintaining the excellent level of the industry. The expenditure side accelerated digital intelligence transformation and centralized operation, and the cost-revenue ratio decreased by 2.66 percentage points year-on-year. Steadily improve the level of refinement and digitalization of risk management, the non-performing loan ratio is 0.99%, and the asset quality remains excellent.

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