On March 23, Morgan Stanley Capital International (MSCI), the international leading provider of benchmark indexes, released the results of ESG Ratings assessment, in which the Postal Savings Bank of China (PSBC) officially rose from “AA” to the highest rating “AAA”, placing itself among the leaders in ESG performance in global banking sector.

According to the ratings report, PSBC is among the industry leaders in the key issues such as financing environmental impact, access to finance, human capital development, consumer financial protection, corporate governance, corporate behavior and privacy & data security. With its outstanding performance in sustainable development, PSBC has been successfully awarded several honorary titles, including the 2025 Best Case for Sustainable Development of Public Companies by the China Association for Public Companies.

Following the philosophy of green development, PSBC has aligned its practices with the United Nations Sustainable Development Goals (SDGs) and the Paris Agreement, and adopted the Principles for Responsible Banking (PRB). It has effectively developed sustainable and green finance as well as climate financing, actively supported biodiversity conservation, and explored transition finance and just transition, striving to build itself into a first-class green, inclusive, climate-friendly and eco-friendly bank. As of the end of 2025, the balance of its green loans exceeded one trillion yuan (about 145.18 billion US dollars), with the growth rate higher than the average growth rate of PSBC’s overall loan portfolio for several consecutive years. Meanwhile, in cooperation with the Institute of Public & Environmental Affairs (IPE), PSBC has provided over 20,000 companies with carbon accounting services, facilitating their low-carbon transition by financial means.

Closely aligning with national strategies, PSBC has been committed to serving Sannong (agriculture, rural areas and farmers) customers, urban and rural residents and SMEs (small and medium-sized enterprises). It has established a number of technology finance business units, focusing on various sci-tech innovation entities to provide full life cycle services for high-growth enterprises. In the field of inclusive finance, PSBC has continuously optimized its inclusive financial service system, and accelerated the innovation and transformation of service models. It has focused on customers in counties, communities, neighborhoods, industrial parks and on campuses to meet the needs of urban and rural residents for various financial services. The proportions of PSBC’s balances of agriculture-related loans and inclusive loans to micro and small enterprises in total customer loans both ranked at the forefront among the major state-owned banks. In the field of pension finance, it has accelerated fostering the distinctive advantages of pension finance, having cumulatively opened more than ten million personal pension accounts. Moreover, it has actively developed a “523” comprehensive marketing service system (“5” refers to focusing on five key areas such as health and wellness tourism, integrated medical and elderly care, institutional elderly care, smart health and elderly care as well as manufacturing of products for the elderly. “2” means strengthening two strategies—customer group strategy and regional development strategy. “3” represents innovatively promoting the three service models of full life cycle comprehensive marketing, whole industrial chain marketing and the GBC interconnected marketing), and put into implementation key services under various industrial operation models. In the field of digital finance, PSBC has upgraded its service capabilities of digital finance, measuring the quality and efficiency of its digital transformation with the “i-Super” digital finance index to optimize its development paths.