On March 30, Postal Savings Bank of China (PSBC) held its 2025 performance briefing. Vice President Yao Hong reported that the bank's non-performing loan (NPL) ratio stood at 0.95% for 2025, with a special-mention loan ratio of 1.57% and a past-due loan ratio of 1.3%, all outperforming the industry average.

However, Yao Hong stated frankly, "Personal loans have indeed become a pressure point for our asset quality, with an NPL ratio of 1.42%. Meanwhile, personal loans account for a relatively high proportion of our portfolio, reaching 50.2%."

Due to the impact of credit structure, Yao Hong indicated that PSBC's three key ratios—NPL, special-mention, and past-due—all increased year-on-year in 2025, rising by 0.05, 0.62, and 0.11 percentage points, respectively. The significant increase in the special-mention loan ratio was mainly because the bank provided relief and loan extensions to customers who demonstrated good repayment willingness but faced temporary repayment difficulties. These loans were prudently classified as special-mention loans.

Additionally, she emphasized that the bank's measures for managing the asset quality of personal and small enterprise loans are solid and effective. With continuous optimization of the risk customer structure, the gradual emergence of subsequent national policy effects, stabilizing macroeconomic conditions, and the recovery of repayment capacity among residents and enterprises, PSBC anticipates that the pace of NPL formation for personal and small enterprise loans will stabilize and improve in 2026.