Postal Savings Bank of China Co., Ltd. (PSTVY)

PSTVY Income Statement

Financials in millions CNY. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	495,218	508,243	498,327	474,240	451,567	416,252
Interest Paid on Deposits	212,913	222,120	216,524	200,647	182,185	162,874
Net Interest Income	282,305	286,123	281,803	273,593	269,382	253,378
Net Interest Income Growth (YoY)	-0.73%	1.53%	3.00%	1.56%	6.32%	4.41%
Income From Trading Activities	3,525	4,185	4,460	3,673	3,286	3,259
Gain (Loss) on Sale of Assets	-	-	-	1	-32	-70
Gain (Loss) on Sale of Investments	38,251	32,617	26,961	22,479	23,687	15,922
Gain (Loss) on Sale of Equity Investments	26	25	18	3	-	-
Other Non-Interest Income	27,632	26,183	29,670	35,642	22,784	14,048
Total Non-Interest Income	69,434	63,010	61,109	61,798	49,725	33,159
Non-Interest Income Growth (YoY)	19.10%	3.11%	-1.11%	24.28%	49.96%	-3.69%
Revenues Before Loan Losses	351,739	349,133	342,912	335,391	319,107	286,537
Provision for Loan Losses	34,018	28,423	26,167	35,328	46,638	50,398
Revenue	317,721	320,710	316,745	300,063	272,469	236,139
Revenue Growth (YoY)	-0.62%	1.25%	5.56%	10.13%	15.38%	6.50%
Salaries and Employee Benefits	62,083	64,045	64,017	62,878	59,228	51,355
Occupancy Expenses	11,309	11,386	12,128	11,300	9,037	8,078
Selling, General & Administrative	-	-	-	30	30	-
Other Non-Interest Expense	145,153	150,687	149,001	134,491	122,720	108,570
Total Non-Interest Expense	218,545	226,118	225,146	208,699	191,015	168,003
EBT Excluding Unusual Items	99,176	94,592	91,599	91,364	81,454	68,136
Pretax Income	99,176	94,592	91,599	91,364	81,454	68,136
Income Tax Expense	11,930	7,876	5,175	6,009	4,922	3,818
Earnings From Continuing Operations	87,246	86,716	86,424	85,355	76,532	64,318
Minority Interest in Earnings	-354	-237	-154	-131	-362	-119
Net Income	86,892	86,479	86,270	85,224	76,170	64,199
Preferred Dividends & Other Adjustments	7,161	6,342	5,316	6,708	5,276	2,584
Net Income to Common	79,731	80,137	80,954	78,516	70,894	61,615
Net Income Growth	1.60%	0.24%	1.23%	11.89%	18.65%	5.36%
Basic Shares Outstanding	99,971	99,161	97,527	92,384	91,033	86,914
Diluted Shares Outstanding	99,971	99,161	97,527	92,384	91,033	86,914
Shares Change (YoY)	5.83%	1.68%	5.57%	1.48%	4.74%	6.85%
EPS (Basic)	0.80	0.81	0.83	0.85	0.78	0.71
EPS (Diluted)	0.80	0.81	0.83	0.85	0.78	0.71
EPS Growth	0.60%	-2.64%	-2.33%	9.13%	9.85%	-1.31%
Dividend Per Share	0.237	0.262	0.261	0.258	0.247	0.208
Dividend Growth	-42.04%	0.23%	1.20%	4.24%	18.66%	-0.81%
Effective Tax Rate	12.03%	8.33%	5.65%	6.58%	6.04%	5.60%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.