报告显示，一季度，邮储银行实现营业收入894.30亿元，同比增长1.44%；实现归属于银行股东的净利润259.26亿元，同比下降1.35%。截止至一季度末，邮储银行资产总额达16.33万亿元，较上年末增长3.85%。The deposit interest rate for the first quarter decreased by 5 basis points compared to the end of the previous year
Postbank is the bank with the largest number of “branches” in the world, around 40,000. This is its strength, and it is also its potential for the future.
On April 29, the “king of outlets” Postbank released its report for the first quarter of 2024.
The report shows that in the first quarter, the Postbank achieved operating income of 89.430 billion yuan, an increase of 1.44% year on year; net profit attributable to bank shareholders was 25.926 billion yuan, down 1.35% year on year. By the end of the first quarter, Postbank's total assets reached 16.33 trillion yuan, an increase of 3.85% over the end of the previous year.
In terms of asset quality, as of the end of March, the Postbank had a non-performing loan ratio of 0.84%, and asset quality remained stable; the provision coverage rate was 326.87%, and the risk compensation capacity was sufficient.
Faced with the challenges of narrowing interest spreads and slowing revenue and profit growth in the banking sector, the Postbank maintained a healthy and steady development trend in the first quarter.
The quarterly report shows that in the first quarter, the Postbank made efforts to promote steady interest spread performance with high-quality and differentiated development strategies. The net interest spread was 1.92%, which continued to maintain an excellent level among major state-owned banks; net interest income increased by 3.13% year on year, up 0.13 percentage points from 2023.
According to reports, the Postbank continues to promote the refined management of assets and liabilities. On the asset side, credit and non-credit assets play a game of chess. The credit business adheres to the balance of “volume and price insurance”. The balance of differentiated credit growth reached 5.31 trillion yuan, accounting for 62.34% of the balance of various loans, an increase of 0.35 percentage points over the end of the previous year. Among them, the increase in “three rural” loans, which mainly focus on the “three rural areas” and small and micro enterprises, both hit record highs.
On the debt side, continue to optimize the value deposit development mechanism, continue to promote the optimization of debt types, maturity, and interest rate structures, and continuously consolidate the existing advantages of debt costs. The deposit interest rate in the first quarter was 1.48%, down 5 basis points from the end of the previous year.