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

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(Source: Prairie Cloud Northern News)

On the evening of March 30, the “Huaxia Bank 2025 Sustainability Report” was officially released. This is Huaxia Bank’s first sustainability report since it has been regularly publishing social responsibility reports for 17 consecutive years.

The report focuses on three major dimensions: Environment, Society, and Governance (ESG), systematically presenting Huaxia Bank’s practical achievements and work results in areas such as sustainable development governance structure, strategic deployment, action plans, and quantitative goals. It vividly demonstrates Huaxia Bank’s commitment to its original intention of serving the country through finance, using financial strength to support national strategies, and promoting sustainable economic and social development. It highlights the social image of “political integrity, value creation, and responsibility.”

The first release of a sustainability report marks an important step for Huaxia Bank to align with global sustainable development trends, respond to the national “dual carbon” goals and high-quality development requirements. It is also a declaration that Huaxia Bank has fully embedded the ESG concept into corporate governance, operational management, and business development across the entire chain, achieving a leap from “practicing social responsibility” to “comprehensive integration of sustainable development strategies.”

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

2025 is the final year of the 14th Five-Year Plan. Huaxia Bank closely follows the spirit of the Central Economic and Financial Work Conference, always taking serving the real economy as the core foundation of sustainable development. It deepens its focus on fintech, green finance, inclusive finance, pension finance, and digital finance—“the five major articles”—using high-quality financial resources to nurture the real economy.

In terms of serving national regional development strategies, Huaxia Bank actively seizes strategic opportunities such as the coordinated development of Beijing-Tianjin-Hebei, the integration of the Yangtze River Delta, and the construction of the Guangdong-Hong Kong-Macao Greater Bay Area. It adapts to local development plans, proactively integrates into regional mainstream economies, and supports high-quality development with high-quality financial services.

As a financial enterprise under Beijing’s jurisdiction, it deeply integrates into the capital’s development and the national strategy of coordinated development of Beijing-Tianjin-Hebei, implementing the “Jinghua Action.” It focuses on supporting the construction of the “Four Centers” in the capital, increasing financial resource support, and steadily advancing the “Beijing-Tianjin-Hebei Financial Service Host Bank” initiative, supporting regional economic development and key projects. During the reporting period, it provided various investment and financing services totaling 509.23 billion yuan in Beijing, and 113.01 billion yuan for key projects and enterprises in the Beijing-Tianjin-Hebei region, representing increases of 14.89% and 30.01% respectively from the previous year.

In the field of fintech, Huaxia Bank focuses on the full cycle of technological innovation, improves its dedicated product service system, increases credit support for specialized, innovative, and high-tech enterprises, and helps achieve high-level technological independence and self-reliance. By the end of 2025, the balance of loans to tech-based enterprises reached 244.62 billion yuan, an increase of 53.74% from the end of the previous year.

In inclusive finance, Huaxia Bank continues to deepen service focus, optimize inclusive financial service models, implement fee reduction and benefit policies, and increase financial support for micro and small enterprises and individual businesses, helping stabilize employment and safeguard livelihoods. By the end of 2025, the balance of inclusive micro and small enterprise loans was 193.61 billion yuan, serving over 320k clients; it also successfully completed rural revitalization efforts, receiving the highest “Good” rating in Beijing’s municipal enterprise rural revitalization assessments, with agricultural-related loans totaling 218.15 billion yuan, continuously injecting financial momentum into rural revitalization.

In 2025, Huaxia Bank will regard “deepening green finance features” as one of its core strategic directions for sustainable development. It will continue to improve the green financial system, increase green credit issuance, innovate green financial products and services, deepen cooperation with international organizations such as the World Bank, the French Development Agency, and the Asian Development Bank, and fully support the realization of the “dual carbon” goals and the green, low-carbon transformation of the economy and society.

Huaxia Bank deepens the integration of finance and ecology, innovates green credit products linked to carbon footprints and biodiversity, develops green supply chain finance, actively allocates green bonds, funds, and other assets, expands green retail and wealth management services, and specializes in green leasing. It continuously enhances the group’s comprehensive green financial service capabilities, with multiple cases winning industry awards for green financial innovation. By the end of 2025, the group’s green financial balance was 531.35 billion yuan, an increase of 31.42% from the previous year. Among these, green loans totaled 373.36 billion yuan, green investments 45.94 billion yuan, green leasing 98.58 billion yuan, ESG wealth management products managed 32.62 billion yuan, and green bonds underwritten 10.40 billion yuan.

Regarding internal operations, Huaxia Bank deepens the construction of a green operation system, integrating environmental protection concepts into all business processes and links. It optimizes branch green renovations, promotes paperless offices and online services, strengthens energy consumption and carbon footprint management, and steadily advances its own carbon neutrality efforts. During the reporting period, the new headquarters building in Beijing’s sub-center was completed, which will become the largest ultra-low energy consumption demonstration project in Beijing’s public buildings once operational.

Huaxia Bank’s new headquarters building rendering

Huaxia Bank upholds the original mission of “finance for the people,” making improving people’s livelihoods a key focus of sustainable development. It continuously improves its financial services for people’s well-being, using warm financial services to protect a better life for the people.

In terms of consumer rights protection, Huaxia Bank continuously improves its full-process consumer protection system, strengthens lifecycle management of financial products and services, regularly conducts financial literacy campaigns, and focuses on key groups such as the elderly, youth, and new residents. It aims to improve public financial literacy and safeguard the financial security of the masses. In 2025, it carried out over 12.9k financial literacy activities, reaching approximately 140 million consumers.

In optimizing livelihood services, Huaxia Bank upgrades elderly-friendly and accessible financial services, builds the “Huaxia Yiyang” pension financial service system, creates convenient and beneficial financial service scenarios, and meets diverse financial needs of the public. It also continues to deepen public welfare and charity practices, actively participating in education support, disaster relief, and targeted assistance. In 2025, total charitable donations reached 27.55 million yuan.

In employee development, Huaxia Bank adheres to a people-oriented approach, improves its talent cultivation and development systems, safeguards employees’ legal rights, and creates an equal, inclusive, and mutually growing workplace environment, achieving synchronized development and growth of employees and the enterprise.

Huaxia Bank always insists on the organic integration of party leadership and corporate governance, leading high-quality development through high-quality party building.

It continuously improves its corporate governance structure, establishing a clear, coordinated, and effective governance system, enhancing the bank’s development strength, resilience, and quality.

It has built a sustainable development governance framework covering decision-making, management, and execution levels, clarifying responsibilities at each level to ensure strategic decisions are accurately made and effectively implemented.

It incorporates sustainable development indicators such as fintech, green finance, and inclusive finance into senior management assessments, leveraging compensation incentives and constraints to promote sustainable development.

Meanwhile, Huaxia Bank continues to strengthen comprehensive risk management, strictly adheres to compliance, improves internal control systems, and enforces integrity management. ESG risks are integrated into the overall risk management system, continuously improving ESG risk management efficiency. It accelerates the digital and intelligent transformation of risk control, ensuring effective risk prevention and control. With prudent compliance operations, it lays a solid foundation for sustainable development and continuously enhances the modernization level of corporate governance.

The release of the first sustainability report marks a key turning point for Huaxia Bank as it embarks on the new journey of the 15th Five-Year Plan and deepens its focus on sustainable development.

Next, Huaxia Bank will uphold its original mission of serving the country and the people through finance, continuously deepen the integration of sustainable development concepts with business operations, strengthen the “five major articles” of finance, and provide high-quality financial services to support the real economy, promote green transformation, and improve people’s livelihoods, contributing Huaxia strength to high-quality economic and social development and common prosperity.

Content source: Huaxia Bank News

Editor: Deng Liqin

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