Branches are established at the provincial level and are mainly responsible for the overall business planning and administrative management of branches under the jurisdiction of this province. The functions of branches are consistent with the services provided by the head office, providing banking activities such as deposit and withdrawal, loans and so on for bank users, and meeting the daily needs of users living far from the main outlets of banks. Many large and medium-sized banks set up branches to expand their services to communities, states or countries in different locations. The services provided by branches are cheaper, faster and more convenient to operate, and customers are easier to visit.

A sub-branch is a branch of a bank and the competent bank of a regional bank. It can manage savings offices and sub-branches. Sub-branches are mainly responsible for the approval of some projects and the business inspection of subordinate institutions. Such as: the issuance of bank account opening license, the approval of loan card issuance, etc.

Generally speaking, provincial branches are first-class branches and municipal branches are second-class branches. Sub-branches are located in districts and counties below the city. Each branch has a branch, as well as several branches and savings offices.