8月28日金融一线消息，邮储银行召开2026年中期业绩发布会。行长芦苇表示，接下来有三大最需要突破的关键点：一是收入结构加快转型。“息差收窄是行业性趋势，虽然我们是1.63%的净息差，目前仍然在行业领先，但同样面临压力，我们必须优化业务结构、客户结构、区域结构，提升非息收入占比，加快培育第二增长曲线，构建多元均衡、穿越周期的收入增长新结构。”芦苇说。
二是数字化从工具走向能力。芦苇表示，过去我们讲数字化，更多是渠道的线上化。下一步要真正把数据变成资产，把AI变成生产力，重塑服务模式、风控能力、运营流程，提升用户体验、业务效率。
三是组织和人才的适配战略落地。芦苇强调，我们要以七大改革为牵引，优化组织架构，激励与约束人才梯队建设，让基层的活力释放出来，把组织效能和文化转化为长期的竞争力。
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