POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 2025年第二次臨時股東大會之委任代表表格 本委任代表表格之股份數目 （附註2） 股H股 本人╱吾等 （附註1） 為中國郵政儲蓄銀行股份有限公司（「本行」） 股H股 ， （附註2） 之登記持有人， 現委任大會主席或 地址為 （附註3） 為本人╱吾等之代表，代表本人╱吾等出席本行謹定於2025年10月9日（星期四）上午10時於北京市西城區金融大 街3號金鼎大廈A座現場舉行之2025年第二次臨時股東大會或其任何續會，並於該大會或其任何續會代表本人╱吾 等，依照下列指示就下列決議案投票，如無作出指示，則由本人╱吾等之代表酌情決定投票。 | | 特別決議案 | （附註4） 贊成 | 反對 | （附註4） | 棄權 | （附註4） | | --- | --- | --- | --- | --- | --- | --- | | 1. | 審議及批准變更本行註冊資本 | | | | | | | 2. | 審議及批准修訂公司章程 | | | | | | | | 普通決議案 | | | | | | | 3. | 審議及批准修訂股東大會議事規 ...

此乃要件 請即處理 閣下如對本通函任何方面或應採取的行動有任何疑問，應諮詢 閣下的股票經紀或 其他註冊證券商、銀行經理、律師、專業會計師或其他專業顧問。 閣下如已將名下全部中國郵政儲蓄銀行股份有限公司股份售出或轉讓，應立即將本 通函及委任代表表格交予買方或承讓人，或送交經手買賣或轉讓的銀行、股票經紀 或其他代理商，以便轉交買方或承讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函的內容概不負責， 對其準確性或完整性亦不發表任何聲明，並明確表示，概不對因本通函全部或任何 部份內容而產生或因倚賴該等內容而引致的任何損失承擔任何責任。 POSTAL SAVINGS BANK OF CHINA CO., LTD. 1658 變更本行註冊資本 修訂公司章程 修訂股東大會議事規則 修訂董事會議事規則 不再設立監事會 選舉陳雪女士為本行非執行董事 選舉宋曉東先生為本行非執行董事 吸收合併郵惠萬家銀行 及 2025年第二次臨時股東大會通告 中國郵政儲蓄銀行股份有限公司謹定於2025年10月9日（星期四）上午10時於北京市西 城區金融大街3號金鼎大廈A座現場舉行臨時股東大會。董事會函件載於本通函第3頁 至12頁。 ...

Group 1 - The core viewpoint emphasizes that the flourishing of "specialty industries" relies heavily on continuous financial support, highlighting the challenges faced by enterprises in securing funding for expansion and innovation [1][2] - In the context of the local manufacturing sector, many companies are experiencing a pressing need for financial support during critical phases of new factory construction and equipment upgrades, particularly due to a lack of traditional collateral [2][3] - The "specialized and innovative" enterprises are witnessing rapid growth in short-term funding needs, driven by increased market demand and the necessity for capacity expansion [3][4] Group 2 - Financial institutions are innovating their products to address the financing challenges faced by specialty industry clusters, with banks like Postal Savings Bank offering credit loans without collateral, significantly alleviating funding pressures for expanding businesses [5][6] - The "Tech Credit" product is designed specifically for specialized and high-tech enterprises, focusing on evaluating technological advancement and market potential rather than traditional asset-based lending [5][6] - Financial services are evolving from merely providing funds to becoming comprehensive service partners, with banks actively engaging with potential enterprises and offering tailored solutions to enhance operational efficiency and reduce costs [6][7]

Core Viewpoint - Postal Savings Bank of China (PSBC) announced the absorption and merger of its wholly-owned subsidiary, Postal Bank of China Huinong Bank Co., Ltd. (Huinong Bank), which will lead to the cancellation of Huinong Bank's independent legal status and the transfer of all its business, assets, debts, and rights to PSBC, ensuring that customer rights remain unaffected [1][2]. Company Summary - Huinong Bank was established in January 2022 with a registered capital of 5 billion yuan, focusing on serving agriculture, small and micro enterprises, and the general public through a digital inclusive finance model [2]. - The merger will not materially impact PSBC's financial status or operating results, as Huinong Bank's financial statements have already been fully consolidated into PSBC's reports [2]. - The existing loans and deposits from Huinong Bank are relatively small in scale, and their natural expiration will not significantly affect PSBC's future performance [2][3]. Industry Summary - The merger reflects a broader trend in the banking industry, where many banks are integrating their direct banking or digital financial subsidiaries, moving from initial experimentation to comprehensive integration [1][3]. - The independent value of direct banks has diminished due to challenges such as product homogeneity and high customer acquisition costs, leading to over 20 banks shutting down or integrating their direct banking operations [3]. - The banking sector is transitioning from extensive channel expansion to refined ecological cultivation, indicating a shift towards integrated operations [3]. Digital Transformation Initiatives - The merger is expected to optimize PSBC's management and business structure, enhance digital transformation outcomes, improve operational efficiency, and reduce management costs [4]. - PSBC has implemented new core systems for personal, corporate, and credit card businesses, and is deepening its digital transformation through financial technology, big data, and artificial intelligence [4][5]. - The bank aims to build a digital inclusive finance system and enhance its risk management capabilities while focusing on user-centered digital banking development [4][6].

1 邮储银行的一纸公告，「送走」了国内第二家独立法人直销银行。 9月23日，邮储银行发布公告称，将吸收合并下属全资子公司中邮邮惠万家银行有限责任公司（以下简称「邮惠万家」），后者的全部业务、财产、债权 债务以及其他各项权利义务都将由邮储银行承继。 这则公告唤起了我对于这家银行的最初记忆，2020年底，邮储银行和招商银行接连发布公告称，他们发起设立的直销银行均已获批筹建。 作为一家在当时已经拥有4万个金融网点和40万人线下队伍的国有大行，在2021年的中期业绩发布会上，邮储银行管理层还特地提到了他们申请设立直销 银行的原因： 邮储银行申请设立直销银行的目的就是想把它作为邮储银行数字化转型的抓手，或者是叫做一个「试验田」，打造转型发展的第二曲线。 算起来，这家在2022年6月才正式获批开业的银行，运营至今不过三年多时间，这块「试验田」就匆匆退出了历史舞台。 截至2025年6月末，邮惠万家的注册用户数约2000万，总资产规模不过120亿元，在中国的银行业市场中，并没有什么存在感。 作为国内仅有的两家独立法人直销银行之一，邮惠万家的「夭折」再次展现了直销银行的尴尬处境。 2017年，国内首家独立法人直销银行中信百信银 ...

受访专家指出，直销银行定位不清、与手机银行功能同质化等问题加速了母行吸收合并的进程。此次合 并有利于提高母行整体竞争能力，但需关注此前存量业务的平稳衔接与过渡。 邮储银行拟吸收合并 邮储银行公告称，吸收合并完成后，邮惠万家银行的独立法人资格依法注销。 据了解，此次吸收合并是为了有效利用资源，降低邮储银行运营成本。"近年来，本行不断加大金融科 技投入，数字化和集约化能力快速提升，以手机银行为主要服务渠道的格局已经形成，线上综合服务能 力大幅增强。" 邮储银行在公告中进一步表示，邮惠万家银行线上运营经验整合到该行，是对其线上业务强有力的补 充，业务资源及人才队伍将为发展注入新动力，并将有效降低管理成本，有助于将资源投入到互补性更 强的领域，提高整体运营效率。 邮惠万家银行成立于2022年1月，注册资本为50亿元，是我国首家获批成立的国有大行独立法人直销银 行。业绩表现方面，2022年至2024年年报显示，该行期末净利润分别为-1.62亿元、-2.63亿元、-4.15亿 元。2025年上半年，实现营业收入1.50亿元，净利润-1.18亿元，同比减亏38.74%。截至今年6月末，该 行净资产为40.42亿元，累计注册 ...

近年来，随着贵金属和宝石市场的愈发繁荣，不法分子利用贵金属和宝石行业的高隐蔽性、复杂的价值 评估和便捷的变现方式，将其作为洗钱的新手段。2025年9月11日，邮储银行昭通市分行在人民银行昭 通市分行的指导下，联合昭通市经侦大队以"送课上门"的形式，前往辖区门店开展"贵金属和宝石行业 反洗钱知识宣传"专项活动。 各活动单位为本次活动的成功举办做了充分的准备，从宣传折页的排版印刷到每一个案例的循循善诱， 从每一页PPT的精美创意到脱颖而出的生动灵现中都能得以体现。人民金行昭通片区总经理表示："此 次活动真真切切为基层办了一件大实事，自己和员工都在培训中受益匪浅，公司将在后期的营业中提高 风险防范意识，对异常和可疑情形做到及时登记、及时处置、及时上报，绝不让黄金、宝石交易成为不 法分子的洗钱通道。 终审：王一帆 此次专项培训与宣传活动，覆盖了昭通市区21家门店、7个品牌（周大福、周大生、中国黄金、人民金 店、百爵珠宝、周六福珠宝、中国珠宝），参训人数达320余人，现场发放宣传折页1600余份，市区门 店覆盖率近100%，有效提升了辖区贵金属从业机构的反洗钱意识，为构建安全规范的黄金、珠宝交易 环境奠定了坚实基础。下 ...

Group 1 - The financing environment for small and micro enterprises is improving, with banks actively seeking to provide loans, a shift from previous years where enterprises sought loans from banks [1][2] - In the first half of the year, at least 20 banks reported an increase in corporate loans, particularly for small and micro enterprises, indicating a competitive lending landscape [1][4] - The financial regulatory authority has established mechanisms to support small and micro enterprise financing, resulting in the issuance of loans totaling 22 trillion yuan, alleviating funding pressures for small businesses [1][4] Group 2 - Guangdong Huihua Plastic Technology Co., Ltd. has increased its production capacity due to rising orders, securing loans of 10 million yuan and 20 million yuan in June and July to purchase raw materials [2] - Banks are adapting their lending strategies, moving away from traditional collateral-based loans to more flexible credit solutions, such as domestic letters of credit, to meet the needs of businesses with insufficient collateral [2][3] - The competition among banks has intensified, with banks not only lowering interest rates but also enhancing service quality to attract clients, as evidenced by significant reductions in loan interest rates compared to two years ago [3][4] Group 3 - Postal Savings Bank reported a 14.83% year-on-year increase in corporate loans, amounting to 541.1 billion yuan in the first half of the year, while retail loans showed stable growth [4][5] - China Bank's corporate loan balance reached 13.52 trillion yuan, with notable growth in green loans, private enterprise loans, and manufacturing loans, reflecting a robust lending environment [4] - Citic Bank achieved a record high in corporate loan growth, with an increase of 296.8 billion yuan in the first half of the year, maintaining a low non-performing loan ratio of 1.01% [4][5]

Core Viewpoint - Postal Savings Bank of China (PSBC) demonstrated resilience and steady growth in the first half of 2025, achieving a revenue of 179.446 billion yuan and a net profit of 49.415 billion yuan, both showing positive year-on-year growth despite industry challenges [4][10]. Financial Performance - PSBC's total assets and financial indicators reflect its unique operational resilience, with a net interest margin of 1.70%, maintaining industry leadership [4][5]. - As of June 2025, total customer loans reached 9.54 trillion yuan, a year-on-year increase of 6.99%, while deposits exceeded 16 trillion yuan, growing by 5.37% [5][6]. Asset and Liability Management - The bank's balanced asset-liability structure is attributed to long-term proactive management, with company loans increasing by 14.83% to 4.190 trillion yuan [6][7]. - PSBC has strengthened its core competitiveness in stable, low-cost, and diversified deposits, with corporate deposits rising by 13.86% [5][6]. Business Development Strategy - PSBC is focusing on balanced development across retail, corporate, and asset management sectors, moving away from reliance solely on retail banking [6][8]. - The bank's corporate finance segment has become a highlight, with significant growth in both loans and deposits [6][7]. Risk Management and Technology - PSBC emphasizes risk management and technology investment, enhancing its operational resilience through a comprehensive risk management system and digital transformation [7][8]. - The bank has improved its intelligent risk control capabilities and established a robust data asset foundation to support various business innovations [8][9]. Alignment with National Strategy - PSBC is actively promoting financial services that align with national strategies, focusing on serving agriculture, rural areas, and small enterprises, thereby enhancing its competitive edge [9][10]. - The bank has developed a multi-layered technology finance institution system to support high-growth enterprises [9]. Capital Strengthening - In the first half of 2025, PSBC completed a significant A-share private placement of 130 billion yuan, enhancing its capital adequacy ratios to 14.57% and 10.52% for total and core tier-one capital, respectively [10]. - The capital increase not only alleviates short-term pressures but also activates long-term potential for credit expansion and risk management [10].

【文/羽扇观金工作室】 9月23日晚间，中国邮政储蓄银行股份有限公司发布重要公告，宣布将通过吸收合并方式整合其全资子 公司中邮邮惠万家银行有限责任公司。 这一战略举措标志着该行在数字化转型进程中从分散试点向集中整合的重要转折。据公告显示，此次合 并旨在进一步优化管理架构，提升运营效率，降低管理成本。合并完成后，邮惠万家银行的独立法人资 格将被注销，其全部业务、资产负债及权利义务将由母公司邮储银行完全承接。 作为国内为数不多的独立法人直销银行之一，邮惠万家银行自2022年正式开业以来，累计服务客户超过 2000万人，资产规模达到120亿元。此次整合不仅体现了邮储银行对数字化战略的重新审视，也反映出 整个银行业在数字化转型过程中正从"多点试验"模式转向"全面融合"新阶段。业内专家认为，这一趋势 预示着传统银行机构数字化能力的成熟，以及对资源配置效率要求的提升。 邮储银行在公告中明确阐述了此次吸收合并的三重战略目标：实现战略整合、优化资源配置以及降低管 理成本。近年来，该行在金融科技领域持续加大投入，数字化服务能力显著提升，以手机银行为核心的 线上服务体系已基本成型。在此背景下，独立运营的直销银行子公司与母公司业务 ...