On March 23, the global authoritative rating agency MSCI Inc announced its ESG rating results. Postal Savings Bank of China saw its rating officially raised from "AA" to the highest level of "AAA," placing it among the global banking industry's ESG leaders.
The rating report indicated that PSBC performed at a superior level within the industry across key areas, including financial environmental impact, financial accessibility, human capital development, consumer rights protection, corporate governance and conduct, as well as privacy and data security. The upgrade from "AA" to "AAA" not only reflects the bank's long-term dedication to ESG practices but also demonstrates strong recognition from international capital markets for its ESG governance capabilities and practical achievements. Due to its outstanding performance in sustainable development, PSBC has received multiple honors, including being recognized as a "2025 Best Practice Case for Sustainable Development among Listed Companies" by the China Association of Public Companies.
PSBC has deeply engaged in green finance, adhering to green development principles and aligning with the United Nations Sustainable Development Goals and the Paris Climate Agreement. It has adopted the Principles for Responsible Banking, vigorously developing sustainable finance, green finance, and climate financing. The bank actively supports biodiversity conservation and explores transition finance and just transition pathways, striving to become a top-tier green inclusive bank, climate-friendly bank, and eco-friendly bank. By the end of 2025, PSBC's green loan balance exceeded 1 trillion yuan, with growth rates consistently surpassing the average increase of all loan categories for several years. Additionally, the bank collaborated with the Institute of Public & Environmental Affairs to provide carbon accounting services to over 20,000 enterprises, leveraging financial resources to support the low-carbon transition.
Staying true to its inclusive finance mission, PSBC closely aligns with national strategies, maintaining its focus on serving agriculture, rural areas, farmers, urban and rural residents, and small and medium-sized enterprises. It is committed to building a responsible, resilient, and caring top-tier large retail bank. In the field of technology finance, PSBC established a multi-level professional structure described as "professional, specialized, and demonstrative," setting up several technology finance divisions to provide full lifecycle services to high-growth quality enterprises and various technological innovation entities. In inclusive finance, the bank continuously optimized its service system, accelerated innovation in service models, and concentrated on counties, communities, commercial districts, industrial parks, and campuses to meet diverse financial needs. The proportion of agricultural loans and inclusive loans to small and micro enterprises to total customer loans ranked among the highest of large state-owned banks. In pension finance, PSBC accelerated the development of distinctive advantages, opening over 10 million personal pension accounts. It actively built a "523" comprehensive marketing service system, achieving key business implementations under multiple industrial operation models. In digital finance, the bank enhanced its digital service capabilities, using the "i-Super" digital finance index to measure the effectiveness of digital transformation and optimize development pathways.
PSBC has improved its ESG governance framework, with its board of directors placing high importance on ESG development. The Social Responsibility and Consumer Rights Protection Committee is responsible for integrating ESG principles deeply into strategic planning, corporate governance, corporate culture, and business processes. The bank plays a significant role in green finance, inclusive finance, rural revitalization, and consumer protection. It continuously strengthens ESG information disclosure, regularly publishing annual reports, sustainability reports, and environmental information reports. Beyond meeting compliance requirements, PSBC enhances disclosure quality and proactively accepts public oversight, using high-level information disclosure to improve ESG management. The bank also conducted in-depth activities under the "Sunshine Credit Year" initiative, actively promoting financial culture with Chinese characteristics. It focuses on building a transparent, honest, ethically-driven, compliant, self-disciplined, well-supervised, and strictly enforced sunshine credit culture, institutionalizing these values to effectively prevent financial risks and support high-quality development of the real economy.
Looking ahead to the 16th Five-Year Plan period, PSBC will continue to uphold the political and people-oriented nature of financial work, steadfastly following the path of financial development with Chinese characteristics. Leveraging its unique strengths and developmental positioning, the bank will refine and deepen its efforts in "five key areas," further integrating sustainable development concepts into the entire process of strategy formulation and management. It will persistently advance ESG practices, fulfilling its financial responsibilities to support high-quality and sustainable economic and social development, striving to write a new chapter in high-quality growth.