Postal Savings Bank of China, CNE1000029W3

Changjiang Securities maintains Buy rating for Postal Savings Bank of China stock

Published on 10/12/2026 at 10:58 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

First-half income rose 7.26 percent and profit 4.62 percent. Postal Savings Bank of China stock costs EUR 0.63 on October 12, 2026.

Key points in brief

Changjiang Securities maintained a Buy rating on September 23, 2026.
Operating income rose 7.26 percent and net profit attributable to shareholders increased 4.62 percent in the first half of 2026.
Postal Savings Bank of China stock was trading at EUR 0.63 at Lang & Schwarz on October 12, 2026.
The bank's net interest margin was 1.63 percent and its non-performing loan ratio was 1.00 percent at the end of the second quarter.

Postal Savings Bank of China, CNE1000029W3, Illustration mit AI erstellt.

Changjiang Securities maintained a Buy rating on Postal Savings Bank of China stock in a report dated September 23, 2026, after the bank's first-half revenue rose 7.3 percent and net profit attributable to shareholders increased 4.6 percent year over year, according to Futubull. The result gives the stock a clear earnings anchor, while the bank's margin and retail-credit trends remain important valuation variables.

Three milestones shape the picture

On September 14, 2026, Guolian Minsheng Securities reported that first-half operating income grew 7.26 percent and net profit attributable to shareholders rose 4.62 percent year over year, according to Futubull. The same review said total assets reached RMB 19.82 trillion at the end of the second quarter, up 8.94 percent from a year earlier.

On September 22, 2026, Yangtze Securities described first-half revenue growth of 7.3 percent and profit growth of 4.6 percent, while noting that corporate loans rose 14.1 percent, according to Futubull. On September 23, the Changjiang Securities report retained its Buy rating and cited 2026 dividend yields of 4.4 percent for A shares and 5.1 percent for H shares.

What does 4.62 percent profit growth show?

The earnings mix is improving, but it is not free of pressure. The net interest margin was 1.63 percent in the first half of 2026, down 3 basis points from fiscal year 2025, while the non-performing loan ratio stood at 1.00 percent at the end of the second quarter, according to the Guolian Minsheng review.

That combination matters because the bank is expanding corporate lending faster than retail lending. Corporate loans rose 16.33 percent year over year to RMB 4.87 trillion, while personal loans increased 0.97 percent to RMB 4.91 trillion in the second quarter. For the stock, profit growth therefore needs to be weighed against lower asset yields and retail-credit risk.

Next reporting date is October 29

Postal Savings Bank of China is scheduled to report its next earnings on October 29, 2026, according to Finzer. The date follows the first-half report and gives investors a defined checkpoint for loan growth, margin development and asset quality.

Postal Savings Bank of China was trading at EUR 0.63 at Lang & Schwarz on October 12, 2026 at 10:51 a.m. CEST. The dated Frankfurt listing range was EUR 0.49 to EUR 0.63 as of September 28, 2026, while the primary Shanghai listing was last at CNY 5.55 on October 12, 2026.

The further course of trading is shown by the continuously updated real-time quote of Postal Savings Bank of China stock.