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Postal Savings Bank of China

Postal Savings Bank's price/earnings (P/E) fell 15.0% yoy to 6.57 in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China stock traded at CNY 4.08 per share at the end second quarter of 2019 implying a market capitalization of USD 48,...

Postal Savings Bank's npls (as % of loans) fell 16.9% yoy to 0.829% in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's non-performing loans reached 0.829% of total loans at the end of 2019-06-30, down from 0.998% comp...

Postal Savings Bank's net interest margin fell 5.80% yoy to 2.37% in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's net interest margin amounted to 2.37% in the second quarter of 2019, down from 2.41% when compare...

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income statement Unit Jun 2024 Jun 2019
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Postal Savings Bank's market capitalisation (end of period) rose 3.77% to USD 48,113 mil in 2Q2019

By Helgi Library - October 23, 2019

Postal Savings Bank of China stock traded at JPY 1,645 per share at the end of second quarter of 2019 implying a market capitalization of USD 3,477 mil. Over the last five years, the stock has depreciated by 36.4 implying an annual average growth of -8.65% ...

Postal Savings Bank's capital adequacy ratio rose 0.620% yoy to 13.0% in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's capital adequacy ratio reached 13.0% at the end of second quarter of 2019, down from 13.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 13.8% in 4Q2018 and an all time low of 10...

Postal Savings Bank's corporate loans rose 3.63% yoy to CNY 1,503,100 mil in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's loans reached CNY 4,701,700 mil in the second quarter of 2019, up from CNY 4,533,700 mil when compared to the previous quarter and up from CNY 4,016,400 mil when compared to the same period of last year. Historically, th...

Postal Savings Bank's share price (end of period) fell 5.44% yoy to CNY 4.08 in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China stock traded at CNY 4.08 per share at the end of second quarter of 2019 implying a market capitalization of USD 48,113 mil. Over the last five years, the stock has appreciated by % implying an annual average growth of 0 %. In absolute ter...

Postal Savings Bank's retail loan growth fell 9.80% yoy to 18.3% in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's retail loans reached CNY 2,550,100 mil at the end of 2019-06-30, up 4.73% compared to the previous year. In the last decade, the average annual loan growth amounted to 0%. Overall, retail loans accounted for 56.0% of the bank'...

Postal Savings Bank's customer loan growth fell 18.0% yoy to 16.3% in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's customer loan growth reached 16.3% in 2019-06-30, down from 19.9% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 21.5% in 2018-03-31 and an all time low of 16.2% in 2019-03-31. ...

Postal Savings Bank's net interest income rose 2.62% yoy to CNY 59,953 mil in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China generated total banking revenues of CNY 76,108 mil in the second quarter of 2019, up 12.3% when compared to the same period of last year and 5.21% when compared to the previous quarter. Historically, the bank’s revenues containing...

Postal Savings Bank's equity (as % of assets) rose 0.925% yoy to 4.91% in 2Q2019

By Helgi Library - October 11, 2019

Postal Savings Bank of China's Equity reached 4.91% of total assets in the 2Q2019, up from 4.86% for the previous year. As a share of net customer loans, the ratio amounted to 10.9% at the end of the second quarter of 2019. ...

Postal Savings Bank's capital adequacy ratio rose 9.99% to 13.8% in 2018

By Helgi Library - October 11, 2019

Postal Savings Bank of China's capital adequacy ratio reached 13.8% at the end of 2018, up from 12.5% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 13.8% in 2018 and an all time low of 8.84% in 2013. The Tier 1 ...

Postal Savings Bank's npls (as % of loans) rose 11.3% to 0.887% in 2018

By Helgi Library - October 11, 2019

Postal Savings Bank of China's non-performing loans reached 0.887% of total loans at the end of 2018, up from 0.797% compared to the previous year. Historically, the NPL ratio hit an all time high of 0.907% in 2016 and an all time low of 0.532% in 2013. Pro...

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Finance

Postal Savings Bank of China has been growing its revenues and asset by 11.9% and 11.3% a year on average in the last 5 years. Its loans and deposits have grown by 23.2% and 10.6% a year during that time and loans to deposits ratio reached 48.1% at the end of 2018. The company achieved an average return on equity of 14.3% in the last five years with net profit growing 12.0% a year on average. In terms of operating efficiency, its cost to income ratio reached 57.9% in 2018, compared to 62.7% average in the last five years.

Equity represented 4.99% of total assets or 11.5% of loans at the end of 2018. Postal Savings Bank of China's non-performing loans were 0.887% of total loans while provisions covered some 336% of NPLs at the end of 2018.

Valuation

Postal Savings Bank of China stock traded at CNY 3.63 per share at the end of 2018 resulting in a market capitalization of USD 42,719 mil. Over the previous three years, stock price rose by 0% or 0% a year on average. That’s compared to an average ROE of 12.2% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of 6.39x and price to book value (PBV) of 0.704x in 2018.