According to Tongbi Finance, on June 2, 2026, China Postal Savings Bank Co., Ltd. (stock abbreviation: PSBC, code: 601658.SH) received a Wind ESG rating of BBB, unchanged from the previous period. The company's comprehensive score is 6.22, lower than the commercial banking industry average of 7.13. It ranks 60th among 64 companies in the commercial banking sector, placing it in the bottom 7% of the industry. The scores for the environmental, social, and governance dimensions are 6.92, 5.37, and 6.66, respectively.

Compared to the previous rating, the comprehensive score decreased from 6.90 to 6.22, a decline of 0.68 points. The contribution from management practices dropped from 4.63 to 4.23, a decrease of 0.40 points; the contribution from controversy events fell from 2.26 to 1.99, a decline of 0.27 points. By dimension, the environmental score increased by 0.31 points, while the social score decreased by 1.09 points, and the governance score fell by 0.23 points.

Rating Observation

In the environmental dimension, the company demonstrated strong green finance capabilities and a climate change response system, supporting the achievement of the national "dual carbon" goals. The company has established a green finance strategic plan and a carbon peak and carbon neutrality action plan led by the board of directors, promoting the comprehensive development of green finance business. As of the end of the reporting period, the balance of green loans reached 1,006.371 billion yuan, accounting for 10.43% of the total loan amount, with a year-on-year growth of 17.15%; at the same time, the total amount of underwritten green bonds was 6.214 billion yuan, providing funding support for the green economic transition. In terms of climate change response, the company conducted climate risk stress tests, which showed that the capital adequacy ratio met regulatory requirements under different stress scenarios, providing a scientific basis for decision-making. Additionally, the company completed greenhouse gas verification through China Classification Society Quality Certification Co., Ltd., with total greenhouse gas emissions from Scope 1 and Scope 2 amounting to 731,287.82 tons of carbon dioxide equivalent, reflecting precise management capabilities for carbon emissions. In the future, the company still has room for improvement in information disclosure regarding carbon neutrality certification and carbon reduction measures.

In the social dimension, the company demonstrated strong management capabilities and quantitative performance in customer management and information security. In customer management, the company is directly led by the board of directors in consumer rights protection work and has established multiple complaint management systems to ensure the standardization and effectiveness of the complaint handling process. During the reporting period, customer complaint handling satisfaction reached 93.12%, with a complaint resolution rate of 100%, and a timely complaint handling rate of 99.78% within 15 days. In terms of information security, the company has obtained ISO 27001 certification and conducts regular reviews, while also organizing data security incident emergency drills covering the entire bank to enhance the ability to handle emergencies. Although the company has some disclosures in the areas of employment and inclusive finance, such as a female employee ratio of 59.34% and a balance of inclusive micro-enterprise loans reaching 1.8 trillion yuan, the systematic level of related information still needs to be strengthened, especially in areas such as equity incentives and employee training investments In terms of governance, the company has comprehensive disclosures regarding the independence of the board of directors and the ESG governance structure. The proportion of independent directors on the board is 35.29%, and the CEO does not concurrently serve as the chairman, indicating a certain level of checks and balances. The company has established an ESG governance structure composed of the shareholders' meeting, board of directors, supervisory board, and senior management, and promotes the implementation of ESG strategies through specialized institutions such as the strategic planning committee. Sustainable development indicators, such as the development of green finance business, have been incorporated into the performance evaluation of executives and are linked to compensation, reflecting the effectiveness of ESG governance. In terms of diversity, the proportion of female directors is 17.65%, and the proportion of female executives is 40%, indicating a certain degree of gender diversity, but there is still room for improvement. Additionally, the chairperson of the audit committee is not a professional accountant, which may impose certain limitations on professionalism, and there is still room for improvement in the professionalism and diversity of the committee in the future.

Content generated by AI on June 3, 2026, please verify important information