Postal Savings Bank of China Monthly Analysis (December 2025)

Postal Savings Bank ...

SEHK:1658

HK$ 5,38

HK$0,00 (0,00%)

5,38 HK$

HK$0,00 (0,00%)

End-of-day quote: 12/05/2025

Postal Savings Bank of China Stock Value

Analysts currently see SEHK:1658 at the level of Outperform.

Outperform

Postal Savings Bank of China Company Info

EPS Growth 5Y

3,62%

Market Cap

HK$720,18 B

Long-Term Debt

HK$133,49 B

Annual earnings

03/26/2026

Dividend

HK$0,25

Dividend Yield

4,56%

Founded

2007

Industry

Financials

Country

China

Website

Postal Savings Bank of China

ISIN Number

CNE1000029W3

Website

http://www.psbc.com

Analyst Price Target

HK$6,25

16.17%

Last Update: 12/06/2025

Analysts: 16

Highest Price Target HK$6,74

Average Price Target HK$6,25

Lowest Price Target HK$4,88

In the last five quarters, Postal Savings Bank of China’s Price Target has risen from HK$4,01 to HK$4,90 - a 22,19% increase. Eight analysts predict that Postal Savings Bank of China’s share price will increase in the coming year, reaching HK$6,25. This would represent an increase of 16,17%.

Top growth stocks in the financials sector (5Y.)

What does Postal Savings Bank of China do?

Postal Savings Bank of China Co., Ltd. provides various banking products and services for retail and corporate customers in the People's Republic of China. The company operates as a subsidiary of China Post Group Corporation Limited. Segments The company operates through Personal Financial Services, Corporate Financial Services, Treasury Operations, and Other Business Activities segments. Personal Financial Services This segment provides a range of personal financial services designed to mee...

Segments

The company operates through Personal Financial Services, Corporate Financial Services, Treasury Operations, and Other Business Activities segments.

Personal Financial Services

This segment provides a range of personal financial services designed to meet the diverse needs of individual customers. These services include deposit products, personal loans, and wealth management services. The company focuses on providing financial services to Sannong customers (agriculture, rural areas, and farmers), urban and rural residents, and small and medium-sized enterprises (SMEs).

Corporate Financial Services

This segment offers a wide range of corporate financial services to meet the needs of businesses of all sizes. These services include corporate deposits, corporate loans, trade finance, and cash management services.

Treasury Operations

This segment includes activities, such as interbank lending, securities investment, and foreign exchange trading.

Other Business Activities

This segment engages in other business activities. These activities include providing financial services to government entities, participating in financial markets, and offering various specialized financial products and services.

Loans

The company offers a range of loan products designed to meet the diverse financial needs of its customers, including individuals, small and medium-sized enterprises (SMEs), and corporate clients.

Personal Loans

The company provides several types of personal loans to cater to the financial needs of individual customers. These loans include:

Consumer Loans: These loans are designed to help individuals finance their personal consumption needs, such as purchasing household appliances, electronics, and other consumer goods.

Mortgage Loans: The company offers mortgage loans to individuals looking to purchase residential properties.

Personal Business Loans: These loans are tailored to meet the financial needs of individuals who are self-employed or run small businesses.

Education Loans: The company provides education loans to help individuals finance their higher education expenses.

Corporate Loans

The company offers a wide range of corporate loans to support the financial needs of businesses of all sizes. These loans include:

Working Capital Loans: The company offers short-term and long-term working capital loans.

Term Loans: The company provides term loans to businesses for various purposes, including business expansion, equipment purchase, and infrastructure development.

Trade Finance Loans: The company offers trade finance loans to support businesses engaged in domestic and international trade. The company's trade finance solutions include letters of credit, export and import financing, and trade guarantees.

Project Finance Loans: The company provides project finance loans to support large-scale infrastructure and development projects.

SME Loans

The company offers a range of tailored loan products to small and medium-sized enterprises (SMEs). These loans include:

SME Working Capital Loans: These loans are designed to help SMEs manage their short-term financial needs, such as purchasing inventory, paying suppliers, and covering operational expenses.

SME Term Loans: The company provides term loans to SMEs for various purposes, including business expansion, equipment purchase, and infrastructure development.

SME Trade Finance Loans: The company offers trade finance loans to support SMEs engaged in domestic and international trade. These loans help SMEs manage their cash flow and mitigate the risks associated with trade transactions. The company's trade finance solutions for SMEs include letters of credit, export and import financing, and trade guarantees.

SME Project Finance Loans: The company provides project finance loans to support SMEs involved in infrastructure and development projects.

Investment Portfolio and Investment Securities

The company's investment portfolio includes a wide range of investment securities, such as government bonds, corporate bonds, equity securities, and other financial instruments.

Government Bonds: The company invests a significant portion of its portfolio in government bonds. The company's investment in government bonds includes treasury bonds, municipal bonds, and policy bank bonds.

Corporate Bonds: The company also invests in corporate bonds issued by various companies. The company's investment in corporate bonds includes Investment-Grade Bonds and High-Yield Bonds.

Equity Securities: The company invests in equity securities to achieve capital appreciation and diversify its investment portfolio. Equity investments include Common Stocks and Preferred Stocks.

Other Financial Instruments: The company's investment portfolio also includes other financial instruments to enhance returns and manage risks. These instruments include mutual funds, exchange-traded funds, and real estate investment trusts.

Deposits

The company offers a wide range of deposit products to cater to the financial needs of its customers. The company's deposit portfolio includes various types of accounts, such as personal deposits, which includes savings accounts, current accounts, and fixed deposit accounts; corporate deposits, including business savings accounts, current accounts, and fixed deposit accounts; other deposit products that comprise certificates of deposit, foreign currency deposits, and structured deposits.

Products and Services

The company offers a range of products and services to meet the financial needs of its customers. The company provides a wide array of banking services, including personal financial services, corporate financial services, treasury operations, and other business activities.

Personal Financial Services: The company offers various personal financial services to individual customers. These services include deposit products, personal loans, and wealth management services. The company provides savings accounts, current accounts, fixed deposit accounts, and other types of accounts to help individuals manage their funds. It also offers personal loans, including consumer loans, mortgage loans, personal business loans, and education loans. In addition, the company provides wealth management services.

Corporate Financial Services: The company offers a wide range of financial services to businesses of all sizes. The company provides corporate deposit accounts, including business savings accounts, current accounts, and fixed deposit accounts. It also offers corporate loans, such as working capital loans, term loans, trade finance loans, and project finance loans.

Treasury Operations: The company engages in treasury operations to manage its own funds and investments. The company participates in activities, such as interbank lending, securities investment, and foreign exchange trading.

Other Business Activities: The company engages in other business activities, such as providing financial services to government entities, participating in financial markets, and offering specialized financial products and services.

Customers

The company provides financial services to a wide range of customers in China, including:

Sannong Customers: The company serves customers in the agriculture, rural areas, and farmers segment.

Urban and Rural Residents: The company provides financial services to both urban and rural residents. The bank offers a comprehensive range of products and services to help individuals manage their funds, including deposit accounts, personal loans, and wealth management services.

Small and Medium-sized Enterprises (SMEs): The company supports the growth and development of SMEs by offering a wide range of financial services tailored to their needs. The bank provides corporate deposit accounts, corporate loans, trade finance solutions, and project finance services to help SMEs manage their finances and facilitate their business operations.

Sales and Marketing

The company's marketing and distribution channels include:

Online Channels: The company utilizes online platforms, such as its official website and mobile banking applications to provide customers with convenient access to its products and services.

Offline Channels: The company operates a network of outlets across China, serving customers in both urban and rural areas. These outlets provide customers with face-to-face interactions and personalized assistance in managing their financial needs.

History

Postal Savings Bank of China Co., Ltd. was founded in 2007.

Postal Savings Bank of China Questions and Answers

Which sectors generate sales and which are the top 3 markets?

Industry Revenues: Retail Banking: approx. 60% Corporate Banking: approx. 25% Investment Banking and Asset Management: approx. 15% Top 3 Markets: China: approx. 85% Hong Kong: approx. 10% International (other Asian markets): approx. 5% The Postal Savings Bank of China Co., Ltd. generates the maj...

At which locations are the company’s products manufactured?

Headquarters: Beijing, China The Postal Savings Bank of China Co., Ltd. is a bank and not a manufacturing company. Therefore, it does not produce physical products. Its "products" are financial services, which it mainly offers in China. These include savings and checking accounts, loans, i...

What strategy does Postal Savings Bank of China pursue for future growth?

Strategic Growth Goals: Digitization and Technology Investments Expansion of Service Offerings Enhancement of Presence in Rural Areas The Postal Savings Bank of China Co., Ltd. (PSBC) is focusing on a comprehensive digitization strategy to increase its efficiency and enhance customer experience. T...

Which raw materials are imported and from which countries?

Current Data: Not available (as of 2025) The Postal Savings Bank of China Co., Ltd. (SEHK:1658) is a bank and not a manufacturing company. Therefore, it does not import raw materials or materials in the traditional sense as would be the case in the manufacturing industry. As a financial institution,...

How strong is the company’s competitive advantage?

Market share in the banking sector: 5.6% (2024, estimate) Number of customers: Over 600 million (2024) Branch network: More than 39,000 branches (2024) The Postal Savings Bank of China Co., Ltd. (PSBC) has a significant competitive advantage due to its extensive branch network, which is one of the l...

What is the share of institutional investors and insider buying/selling?

Institutional investor share: approx. 30% (estimated, based on 2023 data) Insider purchases/sales: No significant transactions reported in the last year The institutional investor share in Postal Savings Bank of China Co., Ltd. is approximately 30%, indicating a moderate interest from institutional...

What percentage market share does Postal Savings Bank of China have?

Market share of the Postal Savings Bank of China: Estimate 5-7% (2025) Main competitors and their market shares: Industrial and Commercial Bank of China (ICBC): approx. 20% China Construction Bank (CCB): approx. 18% Agricultural Bank of China (ABC): approx. 15% Bank of China (BOC): approx. 12% Bank...

Is Postal Savings Bank of China stock currently a good investment?

Revenue growth: 8% (2024) Profit growth: 10% (2024) Return on equity: 12% (2024) The Postal Savings Bank of China Co., Ltd. recorded solid revenue growth of 8% in 2024, indicating strong business development and an effective market strategy. The profit growth of 10% during the same period shows that...

Does Postal Savings Bank of China pay a dividend – and how reliable is the payout?

Dividend yield: 4.5% (2024) The Postal Savings Bank of China Co., Ltd. is known for regularly distributing dividends to its shareholders. In 2024, the dividend yield was approximately 4.5%, which is competitive compared to other banks in the region. The reliability of dividend payment is high as the...

Postal Savings Bank of China Stock Value

Postal Savings Bank of China Company Info

Analyst Price Target

Top growth stocks in the financials sector (5Y.)

What does Postal Savings Bank of China do?

Postal Savings Bank of China Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal