New Journey, New Declaration Huaxia Bank Releases Its First Sustainability Report

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On the evening of the 30th, the Industrial Bank of China 2025 Annual Sustainability Report was officially released. This is the first time the bank has published a sustainability report since it began releasing social responsibility reports on a regular basis for 17 consecutive years. The report focuses on three dimensions of environment, social, and governance (ESG), systematically presenting the bank’s achievements and effectiveness in areas such as its sustainability governance framework, strategic deployments, action plans, and quantified targets. It vividly demonstrates the bank’s commitment to its original mission of serving the country through finance—showcasing its sense of responsibility and actions in using financial strength to support national strategies and promote sustainable economic and social development—highlighting its social image of “being political, creating value, and taking responsibility.”

The first-ever release of a sustainability report is an important step for the Industrial Bank of China to align with global sustainability trends and respond to the nation’s “dual carbon” goals and requirements for high-quality development. It is also a declaration by the bank to fully embed ESG concepts into the entire chain of corporate governance, business operations, and business development, enabling a leapfrog upgrade from “practicing social responsibility” to “full integration of sustainability into development strategy.”

The report strictly follows the Shanghai Stock Exchange’s self-regulatory guidance for sustainability reporting, and is prepared with reference to authoritative domestic and international standards such as the Global Sustainability Standards Board (GSSB)《Sustainability Reporting Standards》（GRI Standards）. It actively responds to the United Nations 2030 Sustainable Development Goals (SDGs), further improving the transparency, professionalism, and compliance of information disclosure, and comprehensively addressing the core concerns of stakeholders.

Anchor National Strategy and Use Fresh Financial Water to Nurture the Foundation of the Real Economy

2025 is the final year of the “14th Five-Year Plan.” The Industrial Bank of China closely follows the spirit of the Central Economic and Financial Work Conference. It always treats serving the real economy as the core foundation of sustainable development, deeply developing the “five articles”—science and technology finance, green finance, inclusive finance, pension finance, and digital finance—using high-quality financial liquidity to nourish the real-economy soil.

In serving national and regional development strategies, the bank actively seizes strategic opportunities such as the coordinated development of the Beijing-Tianjin-Hebei region, the integrated development of the Yangtze River Delta, and the development of the Guangdong–Hong Kong–Macao Greater Bay Area. It tailors its engagement to local conditions by connecting with local development plans, proactively integrating into the region’s mainstream economy, and supports high-quality development with high-quality financial services. As a financial enterprise under the administration of Beijing, it deeply integrates into the capital’s development and the national strategy of coordinated development across Beijing-Tianjin-Hebei, implements the “Beijing-Hua Action,” focuses on supporting the construction of the capital’s “four centers” functions, increases support for financial resources, and steadily advances the building of the “Lead Bank for Financial Services in Beijing-Tianjin-Hebei.” It supports regional economic development and the landing of key projects. During the reporting period, it provided various investment and financing services totaling 5,092.30 billion yuan to the Beijing region, and 1,130.16 billion yuan to key projects and enterprises for coordinated development across Beijing-Tianjin-Hebei, representing increases of 14.89% and 30.01%, respectively, compared with the end of the previous year.

In the area of science and technology finance, the bank focuses on the full cycle of technological innovation, improves its dedicated product and service system, increases credit support to specialized and innovative SMEs, high-tech enterprises, and strategic emerging industries, and helps achieve high-level self-reliance and strength in science and technology. By the end of 2025, the outstanding balance of loans to technology-based enterprises was 2,446.22 billion yuan, up 53.74% from the end of the previous year.

In the field of inclusive finance, it continues to shift its service focus downward, optimizes inclusive finance service models, implements policies to reduce fees and share benefits, increases financial support for small and micro enterprises and individual industrial and commercial households, and helps stabilize employment and protect people’s livelihoods. By the end of 2025, the outstanding balance of inclusive loans to small and micro enterprises was 1,936.11 billion yuan, serving more than 320,000 customers. It also completed high-quality work for rural revitalization. In the assessment and evaluation of rural revitalization for enterprises under the administration of Beijing, it was rated the highest tier, “Good.” Loans related to agriculture and rural areas reached 2,181.55 billion yuan, continuously injecting financial momentum into rural revitalization.

Advance Toward New Heights While Turning Toward Green Growth—Empower Low-Carbon Transition with Green Finance

In 2025, the Industrial Bank of China set “deepening green finance characteristics” as one of the core strategic directions for sustainable development. It continued to improve the green finance system, increase green credit deployment, innovate green financial products and services, deepen cooperation on green finance with international institutions such as the World Bank, the Agence Française de Développement, and the Asian Development Bank, and fully support the realization of the “dual carbon” goals and the green and low-carbon transition of the economy and society.

The bank deepens the integration of finance and ecological synergy. It innovates green credit products such as those linked to carbon footprints and biodiversity, builds green supply chain finance, and actively allocates assets such as green bonds and funds. It expands green retail and wealth management services, further develops the distinctive green leasing business, and continuously enhances the group’s integrated capability in green finance services. Relevant cases have won green finance innovation awards in the industry on multiple occasions. By the end of 2025, the Industrial Bank of China Group’s balance of green finance was 5,313.52 billion yuan, up 31.42% from the end of the previous year. Of this, the balance of green loans was 3,733.57 billion yuan, the balance of green investments was 459.44 billion yuan, the balance of green leasing was 985.79 billion yuan, the cumulative managed scale of ESG wealth management products was 326.23 billion yuan, and the green bond underwriting scale was 104.01 billion yuan.

In its own operations, the bank deepens the development of a green operations system, integrating environmental protection concepts into the entire process and all stages of business operations. It optimizes green renovations of outlets, promotes paperless office work and online services, strengthens management of energy consumption and carbon footprints, and continues advancing its own operations toward carbon neutrality. During the reporting period, the bank’s new headquarters office building located in Beijing’s urban sub-center reached completion of the main structure; upon completion, it will become the largest ultra-low-energy consumption demonstration project among individual public building structures in Beijing.

Uphold Finance for the People—Convey Warmth for People’s Livelihood Through Responsibility

The Industrial Bank of China stays true to its original mission and commitment to “finance for the people.” It regards improving people’s wellbeing as an important anchor point of sustainable development, and continuously improves the people’s livelihood finance service system, using warm and caring financial services to protect people’s better lives.

In terms of consumer rights protection, the bank continues to improve the consumer protection system across the entire process, strengthens consumer protection management across the full lifecycle of financial products and services, regularly carries out financial knowledge dissemination activities, focuses on key groups such as the elderly, teenagers, and new urban residents, enhances public financial literacy, and safeguards consumers’ property safety. In 2025, it cumulatively carried out more than 12,900 financial knowledge dissemination activities, reaching approximately 140 million consumers.

In optimizing livelihood services, the bank continues to upgrade age-friendly and barrier-free financial services, building the “Jiaxia Yangyang” pension finance service system. It creates convenient and beneficial financial service scenarios to meet the public’s diverse financial needs. It continues to deepen charitable and public welfare practices, actively participating in public welfare initiatives such as education assistance, disaster relief, and targeted assistance, and in 2025, the total value of its public welfare donations reached 27.54 million yuan.

In employee development, the bank adheres to people-centered principles, improves a diversified talent cultivation and development system, protects employees’ lawful rights and interests, and builds a workplace environment characterized by equality and inclusiveness and shared growth—enabling employees and the enterprise to develop in step and grow together.

Strengthen the Governance System and Build a Solid Foundation for Sustainability

The Industrial Bank of China always upholds the organic integration of Party leadership and corporate governance, and leads high-quality development across the bank with high-quality Party building. It continues to improve its corporate governance organizational structure and has established a corporate governance system with clearly defined rights and responsibilities, coordinated operations, and effective checks and balances. It promotes continuous improvement in corporate development strength, strengthening development resilience, and improving development quality. It has established a sustainability governance framework covering the decision-making tier, management tier, and execution tier, clarified the rights and responsibilities at each level to ensure that sustainability strategy decisions are accurately connected and effectively implemented. It incorporates sustainability indicators such as science and technology finance, green finance, and inclusive finance into the assessment and evaluation of senior management personnel, and leverages compensation incentives and constraints to play a role in promoting sustainable development.

At the same time, the bank continuously strengthens comprehensive risk management, strictly observes the bottom line of compliance-based operations, improves internal control system development, and strengthens integrity in professional conduct management. It includes ESG risks in the comprehensive risk management system and continuously enhances the effectiveness of ESG risk management. It continuously improves its capability in climate risk management, accelerates the transformation of intelligent and data-driven risk control, and ensures that all types of risks are effectively prevented and controlled. With stable and compliant operations as the foundation for sustainable development, it continuously improves the level of modernization in corporate governance.

The Industrial Bank of China states that the release of its first sustainability report is a key turning point for the bank to enter the new journey of the “15th Five-Year Plan” and to deepen its commitment to sustainable development. Next, the Industrial Bank of China will stay true to its original mission of serving the country through finance and serving the people through finance. It will continue to deepen the integration of sustainability concepts and business development across all dimensions, intensify efforts in doing a good job with the “five major articles” of finance, provide high-quality financial services to support the real economy, help drive the green transition, and improve people’s livelihoods. It will contribute Industrial Bank of China strength to promoting high-quality economic and social development and achieving prosperity for all.

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