Postal Savings Bank of China: "14th Five-Year Plan" targets "Five Changes" goals and advances "Six Modernizations" upgrade

Viewpoint.com News: On March 30, Postal Savings Bank of China held its 2025 annual performance briefing.

At the meeting, regarding the operating results during the “14th Five-Year Plan” period and the overall plans for the “15th Five-Year Plan” period, Zheng Guoyu, Chairman of Postal Savings Bank, said, “During the ‘14th Five-Year Plan’ period, the bank can be summarized as ‘strong performance on both scale and quality, with orderly reforms and renewals.’” Specifically, the bank’s asset and liability scale each surpassed 18 trillion yuan and 17 trillion yuan, respectively; the total loan balance grew by nearly 70%; the total deposit balance grew by nearly 60%; and the asset-liability scale, operating revenue scale, and customer scale remained stable within the rankings of state-owned major banks.

Zheng Guoyu also mentioned that during the “14th Five-Year Plan” period, Postal Savings Bank doubled its inclusive small and micro-loan scale, the outstanding balance of loans to technology-based small and medium-sized enterprises, and the outstanding balance of loans to specialized and innovative enterprises; its green lending surpassed 1 trillion yuan; and the number of accumulated cards for financial social security cards exceeded 132 million cards. In the past five years, it cumulatively replenished core Tier 1 capital by more than 200 billion yuan, completed the reform of its Tier-2 branch institutions, and advanced the “one branch to one plan” reform.

Regarding the development arrangements for the “15th Five-Year Plan” period, Zheng Guoyu said that Postal Savings Bank will anchor the “Five More” goals—“more inclusive, more balanced, more prudent, more intelligent, and more vibrant”—and advance upgrades in six areas: “specialization, light-asset operation, comprehensive capability, ecosystem development, refined management, and digital intelligence.” It will shift the development approach from scale-driven to value-driven, and build a new development model characterized by endogenous balance and steady, sustainable growth.

He further noted that with 2026 as the opening year of the “15th Five-Year Plan,” Postal Savings Bank will take “Five Major Actions, Six Key Campaigns, and Seven Major Reforms” as its approach. Among them, the “Five Major Actions” include serving strong counties and prosperous towns, a campaign to overcome challenges in city business, a leap in branch network efficiency,提升 corporate business, and a full breakthrough in mobile banking; the “Six Key Campaign Battles” focus on optimizing the asset-liability structure, improving capital quality and efficiency, enhancing income quality, strengthening cost controls, improving customer management, and boosting risk-control capabilities.

Disclaimer: The content and data in this article have been compiled by Viewpoint.com based on publicly available information and do not constitute investment advice. Please verify before use.

A massive volume of news and precise analysis—right on the Sina Finance app