On August 29th, Postal Savings Bank Of China Co.,Ltd. held its 2025 interim earnings conference. Vice President and Chief Risk Officer Yao Hong stated that PSBC has consistently maintained a prudent risk appetite, continuing to control incremental risks and resolve existing ones in the first half of this year, strictly adhering to the baseline of asset quality management.

As of the end of June, the bank's non-performing loan ratio stood at 0.92%, with the special mention loan ratio at 1.21%. Although both figures increased compared to year-end, rising by 0.02 percentage points and 0.26 percentage points respectively, the absolute values remain approximately 60% of the industry average, continuing to maintain a superior level within the industry.

In the second half of the year, the bank will further strengthen risk-adjusted return metrics, continuously optimize business structure, dynamically adjust risk prevention and control strategies, and deepen the application of intelligent risk management systems to enhance the balancing capability of volume, pricing, and risk in complex environments. With the accelerated release of policy effects from the country's pro-growth, people-benefiting, consumption-promoting, anti-involution, and circulation-enhancing measures, along with the firm implementation of various risk management and control measures adopted earlier, the bank believes it will continue to maintain excellent asset quality.