On March 30, Postal Savings Bank of China (PSBC) held its 2025 performance briefing. Chairman Zheng Guoyu stated that the bank is resolutely committed to a "lightweight" strategy, decisively transitioning towards a "light bank" model. It will vigorously develop low-capital, low-asset, and low-liability businesses, gradually achieving a dual-track approach. This involves consolidating net interest margin as the "first growth curve" while actively expanding non-interest income as the "second growth curve." The move aims to break away from the traditional reliance on deposit and loan scale-driven growth, focusing instead on building a capital-efficient, risk-controlled, and high-return lightweight development path.
Zheng Guoyu emphasized that PSBC is advancing comprehensive operations, accelerating its transformation from a single-product provider to an integrated financial services provider, and from a financing intermediary to a service intermediary. The goal is to create more comprehensive customer services, business layouts, and revenue streams, driving comprehensive upgrades in both customer service and internal operations.
Furthermore, he noted that PSBC will overcome limitations of one-way customer engagement by deeply integrating financial services into clients' production, operational activities, and social networks. Through end-to-end customer acquisition and cultivation, scenario-embedded services, and meeting clients' full lifecycle needs, the bank aims to achieve紧密共生 of customer relationships and mutual enhancement of value for both the bank and its clients.
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