Postal Savings Bank of China (601658.SS, 1658.HK) reported first-half 2026 operating revenue of 192.48 billion yuan, up 7.26% year-on-year, and raised its 2026 interim dividend payout ratio to 31%, one percentage point above previous years. Net profit rose 4.57% to 51.67 billion yuan, while net profit attributable to shareholders increased 4.62% to 51.5 billion yuan. Non-interest net income grew 12.25% to 45.34 billion yuan, outpacing net interest income growth of 5.82%. President Lu Wei said the bank is developing non-interest income as a second growth curve through wealth management, payment and settlement, investment banking, treasury operations and integrated cross-border finance. The bank's net interest margin was 1.63%, more than 30 basis points above comparable peers, although it fell 3 basis points from the prior year. Its non-performing loan ratio (the share of loans in default or near default) rose to 1.00% at the end of June, while the pace of deterioration in personal-loan asset quality narrowed. Postal Savings Bank of China has deployed more than 370 large language model application scenarios, with average daily model calls exceeding 10 million and daily input-output tokens exceeding 30 billion. It has also used agents to help open more than 6,000 corporate accounts and extend nearly 310 billion yuan in credit to more than 2,000 corporate clients.