Providing companion-style financial services, Postal Savings Bank's inclusive small and micro enterprise loan balance reaches 1.80 trillion yuan.

On March 27, China Postal Savings Bank Co., Ltd. (stock code: 601658.SH, 1658.HK) released its annual report for 2025. In 2025, Postal Savings Bank will relentlessly promote its operational development deeply integrated into the national agenda, leveraging its unique characteristics to continuously consolidate its differentiated competitive advantages in serving the real economy, adding luster to the financial “five major articles,” and contributing to the high-quality development of the economy and society. In the field of inclusive finance, by the end of 2025, the balance of Postal Savings Bank’s inclusive microloans reached 1.80 trillion yuan.

In the field of fintech, Postal Savings Bank accelerated the construction of its professional service system. By the end of 2025, it had established over 100 specialized branches and outlets in areas with concentrated sci-tech resources, serving over 100,000 tech companies, with a balance of sci-tech loans exceeding 950 billion yuan, successfully issuing its first 5 billion yuan sci-tech bond. In 2025, Postal Savings Bank strengthened the promotion and application of its “Look to the Future” credit review technology, approving 21,600 customers throughout the year, an increase of 31%, with an approved amount exceeding 6.31 trillion yuan, an increase of 73%.

In the field of green finance, Postal Savings Bank promoted the deepening of green financial services. By the end of 2025, the balance of green loans reached 1.01 trillion yuan, an increase of 17.15% compared to the end of the previous year, with the growth rate of green loans consistently exceeding the average level of all loans for several years; it established 56 green financial institutions such as carbon neutrality branches and green branches, providing carbon accounting services for over 20,000 enterprises.

In the field of inclusive finance, Postal Savings Bank empowered customer outreach and improved service quality through digital tools such as marketing maps, providing companion-style financial services to clients. By the end of 2025, the balance of agricultural loans reached 2.51 trillion yuan.

In the field of pension finance, Postal Savings Bank deepened and improved its three-horizontal and three-vertical three-dimensional pension financial system, enhancing pension wealth management, warming pension financial services, and strengthening financing for the pension industry, with the scale of pension finance exceeding 3.5 trillion yuan, creating a trusted warm-hearted bank for pension finance.

In the field of digital finance, Postal Savings Bank deepened the integration of technology and business, exploring the value of artificial intelligence technology applications. It laid out over 260 large model scenarios, and its mobile banking user experience ranked first in the industry for three consecutive years in evaluations by the China Financial Certification Authority (CFCA), enhancing the quality and efficiency of financial services through digital empowerment.

(Contributor: Wang Zhiqiang HF013)

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