Postal Savings Bank's net profit last year increased by more than 18% to 76.2 billion, and the non-performing ratio fell to 0.82%

　　Postal Savings Bank handed over the third annual "transcript" since the listing of A-shares.

　　On March 30, Postal Savings Bank (601658.SH, 1658.HK) released its 2021 annual performance report, showing that by the end of 2021, the assets of Postal Savings Bank exceeded 12 trillion yuan, reaching 12.59 trillion yuan, an increase of 10.87% from the end of the previous year. %; operating income was 318.762 billion yuan, a year-on-year increase of 11.38%; net profit attributable to bank shareholders was 76.170 billion yuan, a year-on-year increase of 18.65%; intermediary business income was 22.007 billion yuan, a year-on-year increase of 33.42%.

　　Among them, in 2021, the postal savings bank will realize a net interest income of 269.382 billion yuan, a year-on-year increase of 6.32%; the net fee and commission income will be 22.007 billion yuan, a year-on-year increase of 33.42%.

The return on average total assets and the weighted average return on net assets reached 0.64% and 11.86%, respectively, an increase of 0.04 and 0.02 percentage points year-on-year; earnings per share were 0.78 yuan, an increase of 0.07 yuan year-on-year.

　　Postal Savings Bank will distribute cash dividends of RMB 2.474 (tax included) for every 10 ordinary shares to all ordinary shareholders registered on the equity registration date, with a total dividend of approximately RMB 22.856 billion (tax included).

Since its listing in 2016, it has paid a total of 71.133 billion yuan in dividends to shareholders, with a dividend rate of 30% in the past three years.

　　In terms of asset quality, as of the end of 2021, the non-performing loan ratio of Postal Savings Bank of China was 0.82%, a decrease of 0.06 percentage points from the end of the previous year; the provision coverage ratio was 418.61%, an increase of 10.55 percentage points from the end of the previous year; the core tier 1 capital adequacy ratio and tier 1 capital The adequacy ratio and capital adequacy ratio were 9.92%, 12.39% and 14.78% respectively.

　　In the past five years, the core tier 1 capital adequacy ratio, tier 1 capital adequacy ratio and capital adequacy ratio of the Postal Savings Bank have shown a fluctuating upward trend.

From 2017 to the end of 2020, the core tier 1 capital adequacy ratios of PSBC were 8.60%, 9.77%, 9.90% and 9.6%; the tier 1 capital adequacy ratios were 9.67%, 10.88%, 10.87% and 11.86% respectively; The adequacy ratios were 12.51%, 13.76%, 13.52% and 13.88% respectively.

　　Postal Savings Bank has nearly 40,000 physical outlets covering urban and rural areas. As of the end of 2021, there are 39,603 business outlets, including 7,828 self-operated outlets and 31,775 agency outlets.

Serving 637 million individual customers, managing personal customer assets (AUM) of 12.53 trillion yuan, an increase of 11.40% year-on-year, of which personal deposits exceeded 10 trillion yuan, and personal banking business income increased by 11.99% year-on-year, accounting for 69.60% of operating income, A year-on-year increase of 0.38 percentage points.

　　In terms of digital renminbi, the annual report stated that the overall progress of the Postal Savings Bank in the development of the new version of the Winter Olympics and the new experience architecture App organized by the People's Bank of China Digital Currency Research Institute is at the forefront of the operating agencies.

A total of more than 230 functional components of digital RMB products have been launched, covering personal wallets, public wallets, merchants' collection, operation and management, and continuously improve the digital RMB payment service capabilities.

　　Specifically, in 2021, the Postal Savings Bank will build an inclusive financial digital RMB demonstration town in pilot areas such as Hainan, Xi'an, Dalian, and Qingdao; in Shanghai, it will be the first to use a video card hard wallet to realize the payment in hospital consumption scenarios, and in Beijing, The wallet superimposes the health treasure function, and is the first B2B public payment project of digital RMB in the shipping field in Dalian.

Landed digital renminbi payment scenarios such as PetroChina gas stations, Xiong'an non-tax payment, China Grain Grain purchase, Guoneng e-shopping mall and other digital renminbi payment scenarios; in terms of inter-bank digital renminbi business cooperation, the industry's first "direct connection" to output digital renminbi services with Ping An Bank , has signed digital renminbi service cooperation agreements with more than 60 banks.