不过，也正因为Workday在大幅增加AI相关投入，导致利润率被明显压缩，业绩指引、利润承压反应比较负面，市场对战略节奏发出了质疑声。
截至2025年9月末，邮储银行的拨备覆盖率为240.21%。往前回溯，2021年末，其拨备覆盖率一度高达418.61%，风险抵御屏障之厚在国有六大行中遥遥领先。
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