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

On the evening of March 30, the Huaxia Bank 2025 Annual Sustainability Report was officially released. This is the first time Huaxia Bank has issued a sustainability report since it began publishing social responsibility reports on a regular basis for 17 consecutive years. The report focuses on three major dimensions of Environment, Social and Governance (ESG), systematically presenting the bank’s achievements and results in sustainability governance framework, strategic deployment, action plans, and quantifiable targets, vividly showing the bank’s sense of responsibility and actions in staying true to its original aspiration of developing finance for the country, serving national strategies with financial strength, and promoting the sustainable development of the economy and society. It also highlights the bank’s social image of “putting politics first, creating value, and taking responsibility.”

The first-time release of a sustainability report is an important step for Huaxia Bank to align with global sustainability development trends, respond to the country’s “dual carbon” goals and requirements for high-quality development. It is also a declaration that the bank has comprehensively embedded ESG concepts into the entire chain of corporate governance, business management, and business development, achieving a leap from “practicing social responsibility” to “the full integration of the sustainability strategy.”

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

Anchor national strategies and irrigate the real economy with sources of finance

In 2025, the year marks the conclusion of the 14th Five-Year Plan. Huaxia Bank closely follows the spirit of the Central Economic Work Conference and the Financial Work Conference, and always regards serving the real economy as the core foundation of sustainable development, deeply cultivating the “five major articles” of science and technology finance, green finance, inclusive finance, pension finance, and digital finance, using high-quality financial liquidity to nourish the fertile ground of the real economy.

In terms of serving the national regional development strategies, the bank actively seizes strategic opportunities such as coordinated development in the Beijing-Tianjin-Hebei region, integrated development of the Yangtze River Delta, and the construction of the Guangdong-Hong Kong-Macao Greater Bay Area. It adapts to local conditions to connect with local development plans, proactively integrates into the mainstream regional economy, and supports high-quality development with high-quality financial services. As a financial institution regulated under Beijing, it is deeply integrated into the national strategy of building the capital and coordinated development in Beijing-Tianjin-Hebei, implements the “Jinghua 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 “Organizer Bank for Financial Services in Beijing-Tianjin-Hebei,” supporting regional economic development and the landing of key projects. During the reporting period, it provided various investment and financing services totaling 509.230 billion yuan to Beijing-area enterprises, and provided investment and financing services totaling 113.016 billion yuan to key projects and enterprises for coordinated development in Beijing-Tianjin-Hebei, representing increases of 14.89% and 30.01%, respectively, over the end of the previous year.

In the field of science and technology finance, the bank focuses on the entire life cycle of technological innovation, improves its dedicated product and service system, increases credit support for specialized and innovative “small giants” (专精特新) enterprises, high-tech enterprises, and strategic emerging industries, and helps achieve high-level scientific and technological self-reliance and strength. By the end of 2025, the balance of loans to science and technology-based enterprises was 244.622 billion yuan, up 53.74% from the end of the previous year.

In the inclusive finance area, it continuously shifts its service focus downward, optimizes inclusive finance service models, implements fee reductions and benefit-sharing policies, and increases financial support for micro and small enterprises and individual industrial and commercial households, helping stabilize employment and protect livelihoods. By the end of 2025, the bank’s balance of inclusive loans to micro and small enterprises was 193.611 billion yuan, serving more than 320,000 customers; it also completed high-quality work related to rural revitalization. In the rural revitalization performance assessment for enterprises regulated under Beijing, it was rated the highest grade “Good.” The balance of agricultural-related loans reached 218.155 billion yuan, continuously injecting financial momentum into rural revitalization.

Walk the path from “greening” to “newness,” empowered by green finance for low-carbon transition

In 2025, Huaxia Bank set “further deepening distinctive green finance” as one of its core strategic directions for sustainable development. It continued to improve the green finance system, increase green credit deployment, innovate green financial products and services, and deepen green finance cooperation with international institutions such as the World Bank, the French Development Agency, and the Asian Development Bank, working to fully support the achievement of the “dual carbon” goals and the green and low-carbon transition of the economy and society.

The bank deepened the integration and coordination of finance and ecology, innovated green credit products linked to carbon footprints and biodiversity, built green supply chain finance, and actively allocated assets such as green bonds and funds. It expanded green retail and wealth management services, and further focused on the distinctive features of green leasing, continuously enhancing the group-level capability of integrated green finance services. Related cases have repeatedly won industry awards for green finance innovation. By the end of 2025, the green finance balance of the Huaxia Bank Group was 531.352 billion yuan, up 31.42% from the end of the previous year. Of this, green loans totaled 373.357 billion yuan, green investments totaled 45.944 billion yuan, green leasing totaled 98.579 billion yuan, ESG wealth management products had a cumulative managed scale of 32.623 billion yuan, and green bond underwriting totaled 10.401 billion yuan.

In terms of its own operations, the bank deepened the development of its green operations system and integrated environmental protection concepts into the entire process and every link of business operations. It optimized green renovation at outlets, promoted paperless office work and online services, strengthened management of energy consumption and carbon footprints, and continued to advance its own carbon neutrality process. During the reporting period, the bank’s new headquarters office building located in Beijing’s urban sub-center completed its main structural work. After completion, it will become the largest ultra-low-energy consumption demonstration project among single public buildings in Beijing.

Uphold finance for the people, and convey warmth for people’s livelihood with responsibility

Huaxia Bank stays true to its original mission of “finance for the people.” It takes improving people’s well-being as an important cornerstone of sustainable development, continuously improves the people’s livelihood financial services system, and protects the people’s beautiful lives with financial services that have warmth.

In consumer rights and interests protection, the bank continued to improve the consumer protection work system covering the entire process, strengthen consumer protection management across the full life cycle of financial products and services, and carry out financial knowledge popularization activities on a normalized basis. It focuses on key groups such as the elderly, teenagers, and new urban residents, improves public financial literacy, and protects the safety of people’s property. In 2025, it累计 held more than 12,900 financial knowledge popularization events, reaching about 140 million consumers.

In optimizing livelihood services, the bank continued to upgrade age-friendly and barrier-free financial services, and built the “Huaxia Yiyang” pension financial services system. It created financial service scenarios that are convenient and beneficial to the people to meet diverse financial needs. It also continuously deepened charitable public welfare practices and actively contributed to public welfare causes such as education support and assistance, disaster relief and helping the needy, and targeted assistance. In 2025, the total amount of public welfare donations reached 27.548 million yuan.

In employee development, the bank adheres to a people-oriented approach, improves a diversified talent cultivation and development system, protects employees’ lawful rights and interests, and builds an equal, inclusive, and growth-oriented workplace environment, enabling employees and the enterprise to develop in sync and grow together.

Improve the governance system and build a solid foundation for sustainable development

Huaxia Bank always adheres to an organic integration of Party leadership and corporate governance, guided by high-quality Party building to drive the bank’s high-quality development. It has continued to improve the organizational structure for corporate governance, building a corporate governance system with clear rights and responsibilities, coordinated operations, and effective checks and balances, thereby promoting continuous improvement in the bank’s development strength, increasing development resilience, and improving development quality. It established a sustainability development governance framework covering the decision-making level, management level, and execution level, clarifying the rights and responsibilities at each level to ensure that sustainability strategy decisions are precisely connected and effectively implemented. It incorporated sustainability indicators such as science and technology finance, green finance, and inclusive finance into the evaluation and assessment of senior executives, and leveraged compensation incentives and constraints in promoting sustainable development.

At the same time, the bank continued to strengthen comprehensive risk management, strictly observe the compliance business operating bottom line, improve internal control system development, and strengthen integrity and compliance in professional conduct. It incorporated ESG risks into the comprehensive risk management system and continuously improved the effectiveness of ESG risk management. It continued to enhance climate risk management capabilities, accelerating the transition to intelligent and digital risk control, ensuring that all kinds of risks are effectively prevented and controlled. With robust and compliant operations as the foundation for sustainable development, it continuously improves the modernization level of corporate governance.

Huaxia Bank states that the release of its first sustainability report is a key turning point for the bank in its new journey toward the “15th Five-Year Plan” and its deepening of sustainable development. Next, Huaxia Bank will stay true to its original mission of developing finance for the country and serving the people with finance, continuously deepen the full-dimension integration of sustainability concepts with business development, intensify efforts on the “five major articles” of finance, and provide high-quality financial services to serve the real economy, support green transition, and improve people’s well-being. It will contribute Huaxia’s strength to promoting high-quality economic and social development and achieving common prosperity.

(Editor: Wang Lei)

	 【Disclaimer】【Advertisement】This article only represents the author’s personal views and is not related to Hexun. The Hexun website maintains neutrality regarding the statements and judgments of views made in the article and does not provide any express or implied guarantee regarding the accuracy, reliability, or completeness of the content contained herein. Please note that readers should use this information as reference only and bear all responsibility for their own actions. Email: news_center@staff.hexun.com

Report