Hua Xia Bank Co., Limited 01
About This Report
Reporting Scope
Reporting Period | Unless otherwise stated, the report covers the period between January 1 to December 31, 2020.
Organizational Boundary | The report discloses the information of the Head Office and all branches and sub-branches of Hua Xia Bank.
Reporting Cycle | The report is an annual report. The most recent report was issued on April 17, 2020.
Preparation Basis
The report was prepared in accordance with the Opinions on Strengthening the Corporate Social Responsibility of Banking Institutions
issued by former Banking Regulatory Commission (CBRC), the Guidelines on the Corporate Social Responsibility of Banking Institutions
of China released by the China Banking Association, and the Notice on Strengthening Listed Companies’ Assumption of Social
Responsibility and Guideline on Environmental Information Disclosure by Listed Companies released by Shanghai Stock Exchange
(SSE), and referred to the Principles for Responsible Banking issued by United Nations Environment Programme, the Guidelines on
Corporate Social Responsibility Reporting for Chinese Enterprises (CASS-CSR 4.0) issued by the Research Center for Corporate Social
Responsibility of the Chinese Academy of Social Sciences, Guidance on Social Responsibility (ISO 26000:2010) issued by International
Organization for Standardization (ISO), GRI Sustainability Reporting Standards (GRI Standards) and GRI Financial Service Sector
Supplemental Guidelines issued by Global Sustainability Standard Board (GSSB), and the Environmental, Social and Governance
Reporting Guide (HK-ESG) issued by Hong Kong Exchanges and Clearing Limited (HKEx).
Reference
For better readability, “Hua Xia Bank Co., Limited” is referred to as “Hua Xia Bank” or “the Bank” in the report.
Data Sources
The financial data in the report come from the audited Annual Report 2020 of Hua Xia Bank Co., Limited and other data come from
internal documents and statistics of Hua Xia Bank. Some contents and data can be traced back to previous years.
Languages
The report is available in simplified Chinese and English versions. In case of any discrepancy, the simplified Chinese version shall
prevail.
Formats
The report is available in both print and electronic formats. The electronic version can be downloaded at our official website (http://www.
hxb.com.cn).
Contact Information
Hua Xia Bank Co., Limited
Address: 22 Jianguomennei Street, Dongcheng District, Beijing
Postal code: 100005
Tel: 010-85237056
Fax: 010-85239000
E-mail: zhshzr@hxb.com.cn
02 2020 Social Responsibility Report Hua Xia Bank Co., Limited 03
Table of Contents
01 04
Message from Chairman 04
06
Message from President
A Dedicated Hua Xia An Eco-friendly Hua Xia
About Us 08
CSR Management 11 with Craftsmanship Through Green Development
CSR Awards and Honors 14
Promoting the Coordinated Development of 34 Devoting More Efforts to Green Finance 76
CSR Performance 15
the Beijing-Tianjin-Hebei Region Services for Green Lifestyles 82
Implementing State-level Regional Development 40 Practicing Green Operation 83
Strategies
Spotlight:
Promoting Industrial Transformation and Upgrade 42
Contributing to the Fight
Serving China’s Opening-up 43
Against the COVID-19 with 18
02 05
Concerted Efforts
Spotlight:
Contributing to the Decisive A Philanthropic Hua Xia A Prudent Hua Xia
Victory in the Battle Against
Poverty Through Multiple 26
with Inclusive Finance with Compliance
Approaches
Promoting the Growth of MSEs 48 Full Compliance in Operations 88
Supporting Private Enterprises 53 Strengthening Risk Management 92
Boosting People’s Wellbeing 54
03 06
A Sincere Hua Xia with A People-centered Hua Xia
Innovative Services Pursuing Happiness for All
Accelerating FinTech Development 60 Protecting Employee Rights 96
Outlook 104
Improvement in Corporate Banking Services 64 Supporting the Development of Employees 98
Upgrading the Customer Experience 66 Caring for Employees 99
Appendix 106
Protecting Customer Rights and Interests 71 Building a Harmonious and Beautiful Society 102
Reporting Index 106
Through Joint Efforts
Independent Assurance Report 111
Feedback Form 113
04 2020 Social Responsibility Report Hua Xia Bank Co., Limited 05
Message from Chairman
In 2020, confronted with the hard shock from the COVID-19 pandemic and accelerating changes, Hua Xia Bank adhered to the
guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, and promoted bank-wide reform by enhancing
Party leadership. Despite challenges, we seized opportunities, stayed true to our original aspiration and worked hard to fulfil our mission.
We made unremitting efforts to promote sustainable corporate, economic, social and environmental development at the same time.
We shouldered our responsibilities in the fight against the pandemic. Facing the extreme test of the pandemic, we earnestly implemented
the decisions and deployment of the Central Party Committee, the State Council and China Banking Insurance Regulatory Commission
on COVID-19 prevention and control. We spared no effort to support the national efforts of ensuring stability and securities on six fronts.
We offered sound, efficient financial services and actively fulfilled our responsibilities to aid the fight against the pandemic and support
resumption of work and production, striving to get through tough times with all walks of life.
We developed inclusive finance to help win the battle against poverty. Aiming to be “a financial service provider for small and medium
enterprises (SMEs)”, we allocated comprehensive credit loans to micro and small enterprises (MSEs), advanced product innovation
and process optimization, and improved financial service capability for MSEs. At the same time, we implemented the decisions and
deployment of the Central Party Committee on targeted poverty alleviation. Leveraging our financial advantages, we actively introduced
new financial products and models for poverty alleviation, improved service efficiency, and spared no effort to accomplish our targets in
the battle against poverty.
We provided financial support for the development of the real economy. Based in Beijing, we endeavored to build the Bank into a
national-level joint-stock bank and a major financial service provider for the Beijing-Tianjin-Hebei region. In line with national and regional
development strategies for the Yangtze River Delta, the Guangdong-Hong Kong-Macao Greater Bay Area and so on, we continued
to increase resource investment in pivotal areas of the real economy (e.g., transformation and upgrade of industrial structure, China’s
opening up to the outside world, development of private enterprises) and add momentum to the high-quality development of real
economy.
We embraced digital trends and pursued innovation-driven development. We constantly boosted FinTech innovation, improved
coordinated planning and top-level design for digital transformation, and accelerated the development of key FinTech projects and
digitalization of core business. Moreover, we built the innovation mechanism of agile organization system, ramped up efforts to improve
digital ecosystem, and created the “Smart Finance, Digital Hua Xia” brand, pushing forward the innovative development and digital
transformation.
We developed green finance to protect the beautiful homeland. We actively practiced the green development philosophy, channeled
more resources to green finance areas such as credit loans, investment and finance lease, and built a full-chain green finance service
system ranging from internal architecture building to product innovation. In addition, we took the initiative to expand international
cooperation, constantly greened our services, and worked to create the “Green Growth for a Better Hua Xia” brand and contribute to the
building of beautiful China with lucid waters and lush mountains.
We prevented and controlled financial risks through compliance and stable operation. Adhering to compliant operation, we stressed
“compliance for value creation”, insisted on risk management, and comprehensively promoted the construction of a long-term
compliance management system. With these efforts, we advanced the risk management system reform, improved internal compliance,
and consolidated the foundation for compliant operation, safeguarding high-quality corporate development and securing financial order
and social stability.
In face of challenges or difficulties, heroes stand out. Looking into the future, under the strong leadership of the Party Central Committee
with Comrade Xi Jinping at its core and standing at the beginning of a new development stage, we will practice the new development
philosophy, and integrate into the new development pattern. With unremitting efforts, we will work to realize the Chinese Dream of
national rejuvenation and make achievements to celebrate the 100th anniversary of the founding of the Communist Party of China.
Party Secretary and Chairman of Hua Xia Bank
06 2020 Social Responsibility Report Hua Xia Bank Co., Limited 07
Message from President
The year 2020 was an extraordinary year. Confronted with the sudden outbreak of COVID-19 and the impacts of complicated situations
at home and abroad, Hua Xia Bank insisted on boosting the real economy. Upholding the customer-centric service philosophy, we
fulfilled our responsibilities as a state-owned financial institution and pressed ahead with all our achievements.
Since 2020, we have orderly promoted the transformation and institutional reform of Hua Xia Bank and constantly cemented the
foundation for operation and development. As a result, we have achieved continuous growth in business scale, operating efficiency
and risk resistance capability. In 2020, we realized a revenue of RMB 95.309 billion, a net profit of RMB 21.568 billion, and a capital
adequacy ratio (CAR) of 13.08%.
In 2020, facing the extreme test of the pandemic, the Bank adopted diverse measures and provided financial support to aid COVID-19
prevention & control and resumption of work and production, and to ensure stability and securities on six fronts. As of the end of 2020,
the Bank had cumulatively allocated RMB 20.705 billion credit loans to 288 enterprises essential for pandemic prevention and control;
postponed the repayment of principals and interests and cut the interest rate for 11,077 enterprises (including small-business owners,
individual industrial and commercial households, with a cumulative business principal of RMB 204.155 billion) hit by the pandemic.
In 2020, the Bank actively seized opportunities of regional economic development. We went all out to advance regional development
in the Beijing-Tianjin-Hebei region, Yangtze River Delta region and Guangdong-Hong Kong-Macao Greater Bay Area, along Beijing-
Guangzhou and Beijing-Shanghai railway lines, and other key areas, to effectively support the development of the real economy. In
2020, the Bank cumulatively provided RMB 65.6 billion of financing services for key projects in the coordinated development of the
Beijing-Tianjin-Hebei region. At the same time, the Bank ramped up efforts to promote the transformation and upgrade of industrial
structure, support the development of micro, small and medium-sized private enterprises, and facilitate the country’s opening up. As of
the end of 2020, the balance of loans for supporting strategic emerging industries had reached RMB 79.689 billion while the balance of
loans to MSEs had reached RMB 456.412 billion.
In 2020, the Bank enhanced financial support for targeted poverty alleviation, especially for the fixed-point poverty alleviation in Beijing,
the East-West collaboration for poverty alleviation, and educational development for poverty alleviation. We increased input in industrial
development, public welfare, stimulating consumption of local products, employment and educational support in poverty-stricken areas.
In addition, we set up the fund for preventing return to poverty and for industrial development, contributing to winning the battle against
poverty. In 2020, the Bank provided RMB 840.2222 million (including credit loans, donations and consumer spending) for targeted
poverty alleviation and offered financial services to a total of 21,582 registered poor people.
In 2020, the Bank responded to the national efforts of ecological progress, improved the long-term mechanism for green credit loans
and investment, and enhanced cooperation with international organizations in this regard. By developing marketing platforms and
optimizing specialty products, the Bank provided more financial support for key green projects to aid pollution control. As of the end of
2020, the balance of green loans had reached RMB 180.043 billion and the balance of climate finance had reached RMB 157.1 billion.
Besides, the Bank endeavored to practice ESG investment and launched CSI ESG120 Strategy Index, CSI Hua Xia Bank ESG Index and
CSI Equity-Hua Xia Wealth Management ESG Preferred Bond Index Strategy Index, attracting extensive attention from the market and
investors.
In 2020, the Bank put people first, protected employee rights, and provided abundant training and career development opportunities,
so that employees can grow together with the Bank. In 2020, the Bank held 4,365 training sessions for 370,748 participants. Moreover,
the Bank actively engaged in charity and promoted social harmony. In 2020, the Bank organized 2,091 volunteer service activities, with
30,235 participants delivering 22,851.2 hours of service.
Looking into the year 2021, it is time for us to make new efforts. Standing on the new historic point, Hua Xia Bank will remain true to
our original aspiration, brave challenges and difficulties, and take confident, firm strides to help realize the Chinese Dream of national
rejuvenation.
Deputy Party Secretary and President of Hua Xia Bank
08 2020 Social Responsibility Report Hua Xia Bank Co., Limited 09
About Us Corporate Governance
The Bank has established a corporate governance structure mainly comprising of the Shareholders’ General Meeting, the Board of
Directors, the Board of Supervisors, and the senior management. The Shareholders’ General Meeting is the governing body, the Board
of Directors is the decision-maker, the Board of Supervisors serves supervision functions, and the senior management is in charge of
Hua Xia Bank was founded in Beijing in October 1992
execution.
and became a national joint-stock commercial bank after
restructuring in March 1995. On September 12, 2003, the The Bank has strengthened the statutory position of Party organizations in the corporate governance structure, coordinated well between
the Party committee and the above three parts of the corporate governance structure, and incorporated Party leadership in all parts of
Bank went public on Shanghai Stock Exchange (Stock Code:
corporate governance, promoting the synergy of Party leadership and corporate governance.
600015), with registered capital of RMB 15.387 billion.
Since its inauguration, the Bank has been forging ahead and
As of the end of 2020 In 2020
made great achievements despite all difficulties. By the end
18 7 5 2
of 2020, the Bank had a total asset of RMB 3,399.816 billion,
44 Tier-1 branches, 79 Tier-2 branches, 1,022 outlets in 122
there were Directors Shareholders’ General Meetings were
17
cities at or above the prefectural level nationwide, and nearly
40,000 employees, which had formed an institutional system in the Board of Directors Independent Directors Executive Directors
held with resolutions adopted
10
of building presence in developed cities and reaching out
11 5 4
to the whole country. The Bank has set up 1,206 agencies in
Board of Directors Meetings were
55
and out of China, covering 321 cities in 101 countries on all there were Supervisors
five continents of the world. Its settlement network covers all
in the Board of Supervisors External Supervisors Employee Supervisors held with resolutions adopted
major trade areas in the world.
In The Banker’s Top 1000 world banks published in July
8 Board of Supervisors Meetings were
20
2020, Hua Xia Bank ranked 51st by Tier-1 capital and 65th
by total asset, respectively five places and two places higher held with resolutions adopted
than the previous year. Shareholders’ General
Meeting
Actively pursue innovative，
coordinated, green, open and
Board of Directors Board of Supervisors
shared development
Strategic
Management and Risk and Oversight Nomination
Consumer Rights Compliance Committee Committee
and Interests Management
Focus on serving the real economy Committee
Protection
and creating value for customers and Committee
shareholders Nomination
Audit Committee Office of the Board
Committee Office of the Board
of Directors
Strive to develop (Securities Affairs Department)
of Supervisors
Follow the fundamental strategy of “taking deposits as Related Party Remuneration
into a modern financial Transaction Control and Evaluation
the foundation, building the Bank’s through FinTech and Committee Committee
group that is “large
talents, and ensuring stable operation through risk control”
and strong, stable and Senior
Management
excellent”
Keep to the direction of featured, digital, asset- Asset Liability Credit, Investment Risk Management Credit Asset Risk Performance Product Information
Technology
efficient, specialized, comprehensive, and world- Management and Financing and Internal Approval Disposal Management Management Management
Committee Policy Committee Control Committee Committee Committee Committee Committee Committee
oriented development
Headquarters Branches and
Departments Sub-branches
10 2020 Social Responsibility Report Hua Xia Bank Co., Limited 11
Following the Lead of Party Building
In 2020
CSR Management
The Bank has followed Xi Jinping Thought on Socialism with Chinese Characteristics for
a New Era and implemented the guiding principles of the 19th CPC National Congress, The Bank has integrated CSR management with corporate In 2020, we actively implemented the Principles for Responsible
1,200
Party leadership at all levels and their
the second, third, fourth and fifth plenary sessions of the 19th CPC Central Committee, development, and continuously improved CSR management and Banking (PRB) of United Nations Environment Programme Finance
and China’s Central Economic Work Conferences. While adhering to Party leadership and practices to create greater value for stakeholders. The Corporate Initiative (UNEP FI) and practiced the ESG responsible investment
members fulfilled
enhancing Party building, the Bank has continuously promoted full and strict discipline over Social Responsibility Management Measures of Hua Xia Bank philosophy. While pursuing sustainable corporate development,
tasks on their principal responsibility
the Party and followed Party leadership in its pursuit of high-quality development. has been strictly implemented to regulate CSR management, the Bank made a positive contribution to the sustainability of the
list for exercising strict governance
and the branding and communication of Hua Xia Bank’s economy and society. By organizing CSR management training,
Giving full play to the leading role of the Party Committee in steering the direction, overseeing over the Party Committee
the big picture and ensuring effective implementation, and strictly performing its responsibility of social responsibility management has been strengthened to the Bank enhanced employees’ social responsibility awareness
exercising full and rigorous Party disciplines
Improving the work systems of the continuously improve the perception of employees and external and capability to fulfill responsibility.
Consolidating the outcomes of the education on the original aspiration of the Party and the patrol Bank’s Party Committee; formulating, parties of the Bank’s role in value creation.
inspection & rectification campaign
optimizing and implementing the
Enforcing full, rigorous self-discipline of the Party Committee; enhancing anti-corruption work rules for Party Committee, CSR Philosophy
education, discipline and warning; and exercising strict governance over the Party Committee
implementation rules for Party
Practicing the ideology education accountability mechanism, building and implementing the
affairs disclosure, regulations on
Vision of CSR fulfillment
“1+1+N” ideology education and publicity system framework communication with the standing
committee of the Party Committees Harmony brings a bright future and Hua Xia continues with its public spirit
Upholding the Party standards for competitive cadres for a new era, and adhering to the Party
China’s culture is at the core of the Bank’s development and prosperity, and the value
leadership over cadres and talents of key banks, list of major issues
created shall be shared by all people of the Chinese nation.
to be discussed before decision
Enforcing disciplines and rules, and fully supporting the resident discipline inspection &
supervision team to perform its duties
making of the Party Committee and its
Harmony brings a bright future Hua Xia continues with its public spirit
procedure, etc.
Continuously strengthening Party building at the primary level and the development of The Bank pursues harmonious co-existence, open cooperation, Leveraging on its advantages in specialty, location and
corporate culture, and creating a positive, hard-working, united and cooperative atmosphere sharing of benefits with stakeholders, and works towards balance resources, the Bank takes the initiative to shoulder economic,
between economic, environmental and social benefits, making its environmental and social responsibilities, and strives to bring
contribution to a harmonious socialist society. benefits to every corner of China and every Chinese.
Investor Relations
To strengthen investor relations management, the Bank strictly implemented the Working Two
Measures of Hua Xia Bank Co., Ltd. on Investor Relations, and designated a dedicated investor CSR goals
relations manager under the Office of the Board of Directors to take charge of relevant work.
Maximizing comprehensive value Contributing to a harmonious society
The Bank has worked to promote interactions and exchanges with investors through multiple
channels and in many ways. In 2020, the Bank organized shareholders’ general meetings,
Three
meetings for investors and analysts, online briefing on cash bonus, open day of investor
CSR practices
groups, themed seminars and other activities, and answered questions carefully on the SSE
E-interaction platform and through investor service hotline and mailbox, so as to enhance the
Practices for economic responsibility Practices for environmental responsibility Practices for social responsibility
capital market’s understanding of the bank.
Four
Information Disclosure CSR principles
The Bank has attached great importance to transparent operation, strictly complied with Openness and transparency Cross-over thinking Resource integration Communication with stakeholders
the regulations on information disclosure and standardized the information disclosure and
reporting processes. We actively fufilled information disclosure obligations and continued to Six
enhance transparency via channels like China Securities Journal, Shanghai Securities News, CSR priorities
Securities Times, Shanghai Stock Exchange website, the official website of Hua Xia Bank, etc.
Serving the Practicing Promoting ecologi- Pursuing safe and Empowering
In the assessment of information disclosure of listed companies in Shanghai Stock Exchange Putting people first
real economy inclusive finance cal progress steady development through FinTech
from 2019 to 2020, the Bank was evaluated level-A (excellent).
12 2020 Social Responsibility Report Hua Xia Bank Co., Limited 13
Materiality Analysis Stakeholder Communicaton
The Bank has identified 16 material topics in combination with sustainable development
Stakeholder Key expectations Our responses
trends, advanced CSR practices of peers and concerns of stakeholders. The Bank has
prioritized the topics based on “importance to the sustainable development of Hua Xia Bank” Coordinating regional development
and “importance to stakeholders”. Serving the real economy Supporting the growth of small and micro
Supporting national strategies enterprises
Materiality Matrix Government Developing inclusive finance Facilitating China’s opening up
Helping fight poverty Promoting targeted poverty alleviation through
Paying taxes in full according to the law financial services
Serving the real economy
Paying taxes in full
Devoting more efforts to green finance Contributing to national strategies
Supporting community development Guarding against financial risks
Implementing regulatory policies
Importance to stakeholders
Caring for employees Promoting inclusive finance Compliance management
Regulatory authorities Accepting supervision and evaluation
Standardizing corporate governance Tightening risk management
Promoting financial knowledge Strengthening risk prevention
Contributing to poverty alleviation
Improving corporate governance Improving corporate governance
Pursuing FinTech innovations Offering continuous and stable returns Ensuring sound and stable operation
Shareholders and investors
Practicing green operation Protecting customers’ rights and interests Protecting shareholders’ rights and interests Creating value for shareholders
Improving service quality Transparent operation Strengthen information disclosure
Promoting industry development
Helping employees grow
Developing green finance
Paying attention to climate change Promoting green office practices
Importance to the sustainable development of Hua Xia Bank Environment
Supporting green development Engaging in public welfare-oriented
environmental protection campaigns
Contributing to the SDGs Strengthening the protection of employees’ rights
Protecting customers’ rights and interests and interests
In September 2015, the United Nations held the Sustainable Development Summit and Customers Improving customer experience Providing high-quality and efficient services
Accelerating product innovation Strengthening innovation in financial products
adopted the 2030 Agenda for Sustainable Development. The agenda covers 17 Sustainable
Advancing digital transformation
Development Goals (SDGs), which point out the direction for countries and enterprises across
the world to contribute to sustainable development. Bearing in mind the vision of building a
modern financial group that is “large and strong, stable and excellent”, the Bank has worked Transparency
Strengthening exchanges and cooperation
to make an assessment in terms of materiality and importance, distinguished core goals and Partners Integrity
Improving procurement management
Win-win cooperation
related goals, and allocated resources and advantages to core areas, contributing to the UN’s
SDGs.
Protecting the basic rights and interests of
Protection of rights and interests
employees
Remuneration and benefits
Core Employees Unblocking career development channels
Working environment
goals Providing training on job skills
Career development
Carrying out rich cultural and sports activities
Financial knowledge popularization
Popularizing financial knowledge
Related Communities Support for community development
Participating in public welfare activities
goals Supporting public welfare undertakings
14 2020 Social Responsibility Report Hua Xia Bank Co., Limited 15
CSR Awards and Honors CSR Performance
Economic Performance
Top 10 Outstanding Banks for Joint Outstanding Bank Award for The Best Inclusive Finance Award Outstanding Financial Bond Issuer
Popularization of Financial Knowledge in 2020 “Popularization of Financial Total asset Unit: RMB billion Operating revenue Unit: RMB billion Total profit Unit: RMB billion Net profit Unit: RMB billion
2019 Green Bank with Excellent Top 100 Banks for Settlement -
3,399.816 95.309
Knowledge for Safety of Your
26.783 27.563 27.153
Best Organization Award for Illegal
22.115
Overall Assessment Outstanding Dealer
3,020.789 84.734 20.986 21.568
Pocket”Awareness Raising
Fundraising Prevention Publicity in 2020
2,680.58 72.227
China Banking and Insurance People’s Bank of China (PBOC) China Banking Association China Central Depository & Clearing
Regulatory Commission (CBIRC) Financial Consumer Protection Bureau Co., Ltd.
Financial News
The Best Smart Bank Award Best FinTech Innovation Award of the Year 2018 2019 2020 2018 2019 2020 2018 2019 2020 2018 2019 2020
The Best Socially Responsible The 2020 Global Green
The Best Mobile Banking User Listed Company Award Finance Innovation Award Most Distinctive Credit Card Product
Experience Award Award of the Year
Total deposits Unit: RMB billion Total loans Unit: RMB billion Balance of loans to MSEs Unit: RMB billion
China Financial Certification China Securities Golden Bauhinia International Finance Forum (IFF) Financial Digital Development
Authority (CFCA) Award Organizing Committee Alliance 2018 1,492.492 2018 1,613.516 2018 357.326
2019 1,656.489 2019 1,872.602 2019 396.387
2020 1,818.33 2020 2,108.993 2020 456.412
The 2020 Gamma Award for Bank
Financing Balance of loans in support of Balance of loans in support
Star of the Battle Against the
The Gold Award for Investor The 2020 Gamma Award for Mobile Pandemic Growth of loans to MSEs Unit: RMB billion strategic emerging industries Unit: RMB billion of cultural industries Unit: RMB billion
Banking
Relations - Institutional
43.056 2018 30.004 2018 26.753
Digital Economy Pioneer
Friendly Communication Award The 2020 Gamma Award for Green
Pioneer in Financial Service-
2018
driven Poverty Alleviation
2019 39.062 2019 81.229 2019 46.499
Award Finance Bank
p5w.net Securities Daily Securities Times china.com.cn 2020 60.024 2020 79.689 2020 52.93
Percentage of loans in support
of cultural industries in the total
balance of loans Unit: % ROA Unit: % ROE Unit: %
2018 1.74 2018 0.81 2018 12.67
2019 2.62 2019 0.78 2019 10.61
The Bank of the Year for Top 10 Financial Brands for The 2020 Outstanding Board The Bank of the Year for
Trade Finance “Benefiting the People” of Directors Green Finance 2020 2.66 2020 0.67 2020 8.64
Financial News Beijing Daily SFC Sina Finance Allowance-to-NPL ratio Unit: % CAR Unit: % Shareholder equity Unit: RMB billion
2018 158.59 2018 13.19 2018 218.715
2019 141.92 2019 13.89 2019 269.337
The 2020 Outstanding Board of
2020 147.22 2020 13.08 2020 282.655
Directors
Outstanding Bank for ESG Most Responsible Listed
The 2020 Outstanding Bank for 2020 Banks with Outstanding Responsible Investment Companies Number of countries and Number of cities with Hua Xia RMB cross-border
Brand Building Competitiveness in Inclusive
regions with Hua Xia agencies Unit: / agencies Unit: / settlement Unit: RMB billion
Finance Practices A Trustworthy Asset Award of Outstanding Contributions
The 2020 Rising Star of
Management Bank to Inclusive Finance of the Year
2018 103 2018 344 2018 37.1
Investment Bank
21 Century Business Herald
st
China Business Journal The Economic Observer National Business Daily 2019 116 2019 380 2019 44.24
2020 101 2020 321 2020 46.3
16 2020 Social Responsibility Report Hua Xia Bank Co., Limited 17
Environmental Performance Social Performance
Total number of employees
Number of outlets Unit: / from ethnic minority groups Unit: /
2018 1,022 2018 1,750
2019 1,025 2019 1,683
2020 1,022 2020 1,785
Customer satisfaction rate for Number of participants of
Balance of green loans Unit: RMB billion
95577 customer service center Unit: % employee training sessions Unit: /
2018 56.699 97.11 224,911
2018 2018
2019 79.844 2019 99.56 2019 261,106
Number of ETC card users Unit:10,000
2020 180.043 2020 2020
99.61 370,748
2018 170.34
2019 227.07
2020 244.01
Total number of employees Unit: / Total charitable donations Unit: RMB million
Number of ETC cards Unit: 10,000 2018 40,997 2018 12.34
2019 38,639 2019 18.256
2018 262.4
2020 39,284 2020 80.233
2019 312.75
2020 325.62 Number of e-transactions Unit: million
2018 965.8410
Indicator Unit 2018 2019 2020
2019 1,230.0562
2020 1,147.1926 Number of rural outlets / 102 106 107
Number of outlets in old revolutionary base areas, areas
Estimated carbon emissions
inhabited by ethnic minority groups, remote and border areas / 79 81 81
reduction through e-transactions Unit: 10,000 ton
and poverty-stricken areas
2018 193.17
Number of community sub-branches / 192 177 168
2019 246.01
2020 229.44 Number of online corporate banking transactions 10,000 3,649.77 4,692.58 3,018.07
Number of online personal banking transactions 10,000 4,538.94 3,682.81 2,344.73
1,876 2,012 13,126
Complaints and problems solved through the joint handling
/
mechanism of the 95577 customer service center
100.00 100.00 100.00
Settlement rate of complaints lodged through 95577 customer
%
service center
95577 call-backs / 69,411 42,604 130,559
Percentage of female employees % 50.55 51.46 51.14
Number of employee training sessions / 3,889 3,986 4,365
Number of AML training sessions / 3,145 3,046 1,210
Number of participants of AML training sessions / 37,046 49,855 98,710
Note: The data of green loan balance in 2020 was based on
the Special Statistics System of Green Loan revised by the Number of legal training sessions / 186 213 190
People’s Bank of China in December 2019.
Number of participants of legal training sessions / 16,317 19,595 28,005
18 2020 Social Responsibility Report Hua Xia Bank Co., Limited 19
Enhancing financial support for fighting COVID-19
Opening an express service channel in the
first place In 2020
We surveyed customers’ needs for financial services for medical we issued
8
institutions, medicine production and procurement, etc. and
met such needs instantly. An express service channel for cross-
border remittance was opened, with dedicated employees on
duty for 24 hours, to meet business needs, including importing measures in support of pandemic prevention and control and
critical medical supplies and procurement of prevention and the provision of financial services
control materials. Besides, we implemented reduction and
exemption, and all individual transfers and donations initiated
by “Loving Donations” of online corporate banking to fight the a total of RMB
20.705
pandemic were exempted from handling fees. We also offered
preferential interest rates to companies that provide and sell
anti-pandemic medical supplies and to those ensuring living
standards. Our service efficiency was improved to give priority billion of credit fund was issued to 288 enterprises involved in
to the acceptance of the business on pandemic prevention, the pandemic prevention and control
affected one, and the credit business in Wuhan.
Case
we postponed the repayment of principals and interests and
Launching an anti-pandemic wealth management cut the interest rates for
11,077
product
The Bank launched an anti-pandemic wealth management
product with a one-year close period, and raised RMB enterprises (including small-business owners, individual
3 billion. The profits that we surrendered through the industrial and commercial households, with a cumulative
reduction or exemption of management fees, sales business principal of RMB 204.155 billion) hit by the pandemic
commissions, and custody fees were all used to attract
investors to buy anti-coronavirus bonds.
Facilitating the resumption of work and
production with all efforts Constant innovation of online financial services
For seriously affected small and micro enterprises, we took We announced the changes of our business hours on our official
the initiative to extend credit, renew loans, issue new loans for WeChat accounts and official website, and worked to ensure
repaying the old ones, adjust the repayment plan, and exempt efficient, convenient, and safe financial services at our business
Contributing to the Fight Against the or cut interest rates, to help them resume production. An
exclusive product, “Huaxia’s Loving Loans”, was launched for
staff participating in the prevention and control of the pandemic.
outlets across the country. We enabled customers to complete
transactions through our online channels, such as mobile
banking, online banking, and telephone banking, as well as
COVID-19 with Concerted Efforts The personal credit repayment period was flexibly adjusted
for the affected people. By the end of 2020, the loans of 556
customers had been extended with an amount of RMB 589
Long Business Loan, Long Concessional Loan, and other online
platforms, without leaving their home. Our customer service
center formulated a contingency plan and worked around-the-
million. clock to ensure non-stop functioning of our 95577 hotline and
financial services.
At the beginning of 2020, the COVID-19 pandemic raged across China. Faced with the
serious situation, the Bank conscientiously implemented the pandemic control decisions
of the Party Central Committee and the State Council, and adopted special measures for
solving special and urgent incidents, ensuring stability and security on six fronts. We gave
full play to the role of financial service in supporting pandemic control work, made every
effort to help prevent and control the pandemic and resume work and production, and
worked with all stakeholders to overcome the difficulties.
The Head Office organized an emergency drill for The staff of Guangzhou Branch actively helped enterprises in resuming Beijing Branch helped a company purchase pandemic-prevention
pandemic control in Dongdan’s office building work and production supplies overseas
A Dedicated Hua Xia with Craftsmanship A Philanthropic Hua Xia with Inclusive Finance A Sincere Hua Xia with Innovative Services
20 2020 Social Responsibility Report Hua Xia Bank Co., Limited 21
Case
Spreading the love of Hua Xia Bank Beijing Branch Wuhan Branch Shenzhen Branch Changzhou Branch Yinchuan Branch
through charity donations It took only five hours from
credit application to loan
It provided solid and
timely financial support
It worked with WeDoctor,
a platform that brought
It launched the “Entry and
Exit Registration System”
Its village-based poverty
alleviation team took the
granting by means of for disaster relief to Hubei together 6,700 academic mini-app on WeChat that initiative to take body
online credit approval and Charity Federation, Hubei experts and over 200,000 offers free registration temperature and disinfect
manual bookkeeping in the Red Cross Foundation physicians (associate service. The mini-app vehicles at the village
core banking system for and other organizations. professor or above) from helped facilitate the entrance, persuade
Beijing Branch to provide It closely cooperated with 1,900 major hospitals across resumption of work and visitors to go back,
an emergency loan of China Construction Third the country to provide entry and exit management supervise gatherings of
RMB 100 million, which Engineering Bureau Co., a full range of services of employees and villagers, visit and register
was used by Beijing to Ltd., Peking Union Medical covering appointment and community residents, thus body temperatures of
purchase the first batch of College Hospital and other registration, online diagnosis reducing the risk of cross all villagers every day,
pandemic-prevention items units and timely provided and treatment, electronic infections. and popularize the latest
including masks overseas. them customized financial prescription, and online pandemic development
services. dispensing. of and knowledge about
pandemic control.
Wuhan Branch made donations for building Huoshenshan Hospital
In 2020
the Bank donated RMB
30
the Bank donated
400 240,000
packages of disposable
to construction workers
from China Construction
Third Engineering Bureau
Co., Ltd. who were building
tableware and other daily
million to Hubei Charity Federation quilts Huoshenshan Hospital and
necessities
Leishenshan Hospital
the Bank donated more than
RMB the Bank donated a total of donated
2.37
million through a youth volunteer
100,000
masks for pandemic
51
employees from
10,200
mL of blood
Wuhan Branch donated anti-virus supplies
donation campaign prevention and control in Hua Xia Bank’s
Xicheng District, Beijing subsidiaries and
branches in Beijing
22 2020 Social Responsibility Report Hua Xia Bank Co., Limited 23
Remaining true to the original aspiration
of serving the community
To give full play to the role of the Party’s primary organizations as bastions and the exemplary vanguard role of Party members and
officials, we selected outstanding Party members and youth backbones from all units in Beijing to participate in pandemic prevention
and control in communities, and to jointly build a people’s defense line with streets, communities and residents, thus improving the
capacity for pandemic prevention and control at the community level. We also established a temporary Party branch in communities
to provide relevant staff with protective equipment and disinfection materials such as masks, disposable gloves, infrared temperature
guns, hand sanitizers, etc.
Zhang Jianhua, Deputy Party Secretary and President of Hua Xia Bank, worked with officials dispatched to communities
Li Minji, Party Secretary and Chairman of Hua Xia Bank, extended greetings to officials dispatched to communities
In 2020
three batches of excellent Party
members and
47
young backbones
were selected and dispatched to
4
communities
for
156
days to participate in the front-line
prevention and control of the pandemic
Officials dispatched to communities kept a journal of their daily work Officials dispatched to communities conducted pandemic prevention and control activities
24 2020 Social Responsibility Report Hua Xia Bank Co., Limited 25
Taking responsibility to defend safety
After the COVID-19 outbreak, an emergency leading team for COVID-19 prevention was quickly established to make uniform
arrangements of relevant work, intensify control of employees to know their acts, formulate management systems based on the situation
of pandemic prevention and control, and implement responsibilities at all levels, thus ensuring the safety and health of employees.
Employee management Workplace management
Under the principle of preventing the coronavirus from re- Thirty-four measures, including the Guidelines for the
entering the country to cause new spread, we quarantined Administrative Operation of Head Office During the Period of
people returning from home, enhanced the management of Pandemic Prevention and Control, were introduced to guide the
important groups and key links, the investigation of suspected Bank’s scientific and effective prevention and control to ensure
cases and close contacts, as well as the health monitoring of smooth administrative operations. Besides, we improved the
employees. The Head Office monitored employees’ temperatures prevention and control system for office space, and implemented
and other abnormal conditions every day and reported and the responsibilities at all levels. The Head Office’s building was
handled them according to the results in a timely way. closed for better management, including strict control of the
entry and exit of staff, enhancement of the disinfection of the
office area, rigorous management of the property, implementation
of unified supply of meals but separate dining at work stations,
and enhancement of inspections.
An emergency drill for pandemic control was conducted in the Head Office’s building
Strict access management was implemented in the Head Office’s Lifts of the Head Office’s building were disinfected once a working hour
building during the pandemic
Outlet management Publicity and education management
We made uniform arrangements of business hours of outlets Timely announcements were made to ensure the public’s
in accordance with regulatory requirements, and made accurate understanding of the business information of the Bank.
announcements in a timely manner. In addition, we implemented We took the initiative to spread the latest information of our fight
customer diversion measures to guide customers to use self- against the pandemic through news media in real time. Besides,
service equipment, of which the cleaning and disinfection were we positively responded to and kept close communication with The Head Office made plans on Bank-wide pandemic prevention and The Head Office arranged separate dining for employees
strengthened. Customers were also guided to complete health superior departments, and reported the effectiveness of the control
information registration and body temperature testing after pandemic prevention and control work. Moreover, we effectively
entering the outlets, where anti-pandemic supplies such as communicated with staff and lead them to prevent the pandemic
masks and disinfectants were prepared for them. scientifically.
Beijing Branch strengthened pandemic prevention and control at outlets Interviews with eight media outlets, including Beijing Daily, during the Social distancing was maintained in the workplace Meals were under strict management by the Head Office
pandemic
26 2020 Social Responsibility Report Hua Xia Bank Co., Limited 27
Improving poverty alleviation mechanisms
Improving organizational building for
targeted poverty alleviation Increasing credit supply
The Bank established a poverty alleviation leading group Giving full play to the guiding role of credit policies, the Bank
headed by Li Minji, Party Secretary and Chairman, and enhanced credit support for local agriculture, agricultural and
strengthened the Party committee’s top-level design for and sideline product processing industries, and other characteristic
promotion of poverty alleviation work. The implementation plans and advantageous industries in poverty-stricken areas,
were formulated, and objectives of poverty alleviation were and adopted a variety of financial products and services to
clarified. Four mechanisms are in place to facilitate coordination, guarantee financial support for poverty alleviation.
cooperation, support and guarantee for poverty alleviation.
Establishing a sound mechanism to prevent
Focusing on key areas the return to poverty
Contributing to the Decisive Victory The Bank coordinated bank-wide anti-poverty efforts to support
East-West collaboration for poverty alleviation and our paired
anti-poverty partners. Targeting key poverty-stricken counties
To effectively prevent those already lifted out of poverty from
retuning to poverty and those prone to be stricken by poverty
getting into poverty, and consolidate our poverty alleviation
in the Battle Against Poverty and districts in Xinjiang, Inner Mongolia, Qinghai, Hebei,
etc., we issued the Notice on Promoting the Implementation
of Key Poverty Alleviation Projects in 2020, identified 11 key
achievements, in September 2020, we donated RMB 10 million
to set up the first industry fund aimed to prevent the return to
poverty, in addition to RMB 5 million donated by the People’s
Through Multiple Approaches poverty alleviation projects, and concentrated our resources on
eradicating poverty in all dimensions.
Government of Fuping County.
Integrating poverty alleviation with rural revitalization
We resolutely followed the anti-poverty decisions and arrangements made by the Party
Central Committee, the State Council, regulatory authorities, as well as Party committees We worked to ensure precise identification, assistance, and management, effective implementation of responsibilities, policies,
and work, and education, basic healthcare, and housing guarantees, and saw to it that the responsibility, policies, assistance, and
and governments at all levels, and fully leveraged our rich resources and strengths as
regulation should be retained after poverty elimination. We constantly improved and innovated in our financial service model for poverty
a financial institution to fight poverty. We introduced anti-poverty credit policies, and alleviation, stimulated the development momentum of poverty-stricken areas, and enhanced the poor’s ability to help themselves out
innovated in our comprehensive financial products and services, striving to provide of poverty. We guided local villagers to consolidate the results of poverty alleviation with their own efforts and actively promoted the
financial support for China to win the fight against poverty and build a moderately integration of poverty alleviation with rural revitalization.
prosperous society in all respects.
In 2020
the Bank provided RMB the Bank provided financial services for
840.2222
million for targeted poverty alleviation (including
21,582
registered poor people
credits, donations, and consumption-driven
poverty alleviation funds)
including RMB for supporting
488.2832
million
28
projects of industry development for
poverty alleviation
and RMB
298.7974
million of personal loans to the registered poor
Egg-laying Hens Poverty Alleviation Project of Hohhot Branch
population
28 2020 Social Responsibility Report Hua Xia Bank Co., Limited 29
Innovative poverty alleviation approaches
Industry development for poverty alleviation
A “golden key” to poverty alleviation and a door leading to prosperity and happiness
We have developed various innovative poverty alleviation credit products based on local conditions, such as Fisher Loan for coastal
areas in eastern China, Farmer Loan for central China, Photovoltaic Loan for western China, and Flower Loan for Yunnan Province. These
loans targeting rural areas, rural enterprises, and farmers help facilitate the development of industries through credit granting, create
employment opportunities, and thus increase local incomes, effectively boosting the development of local industries that contribute to
poverty alleviation. In 2020, the Bank set up a special fund to provide credit support for western areas that partnered with Beijing for
poverty alleviation, offered special loans to local enterprises that could drive poverty alleviation and boost farmers’ incomes.
Education for poverty alleviation
Ending intergenerational poverty through education and securing a fair chance for poverty-stricken children A village-based anti-poverty officer assigned by Kunming Branch visited a local family to learn about their living conditions
We have invested in education in poverty-stricken areas for
Employment for poverty alleviation
years; the cumulative investment during the recent three years Stabilizing employment and encouraging hard work for a better life
exceeded RMB 11 million. We invested RMB 8.5 million in total
in building “Hua Xia Bank Kindergartens”, rebuilt or expanded We have leveraged the stimulating role of finance in the development of industries
“Arele Primary School” and “Gujiang Bage High School”, and creation of jobs, and have granted corporate and personal loans to western
creating a new path to support basic education through poverty areas that have partnered with Beijing for poverty alleviation to support regional
alleviation. In June 2020, we invested RMB 2.5 million in Yushu industry development. In 2020, we set up public welfare-oriented positions in
Vocational and Technical School, Qinghai to develop a field designated areas with local governments, and gave preference to graduates from
training base, drinking water projects and to sponsor outstanding poor families in recruitment. To further contribute to poverty alleviation through
teachers to pursue the master’s degree or advanced studies, employment, we also issued loans to individuals and self-employed businesses.
Hua Xia Bank Kindergarten established by Urumqi Branch
benefiting more than 7,000 teachers and students. In June 2020, we invested RMB 10 million in setting up public welfare-oriented
positions in Moyu and Luopu counties, through which we would create 2,000 jobs Scan the QR code
for registered poor families in the local area. to learn about the
poverty alleviation
Consumer spending on products from poor areas stories of poverty
Replacing donations and assistance with consumer spending so that alleviation cadres of
Hua Xia Bank
everyone can contribute
We actively supported the Smart Vending Machine for Products from Poor Areas,
a key project initiated by the State Council Leading Group Office of Poverty
Alleviation and Development. We issued an RMB 5 million credit loan to the
project undertaker in 2020. Besides, we increased targeted procurement of
agricultural and sideline products in poor areas. In 2020, we purchased RMB
11.5572 million of goods from poor areas.
Anti-poverty charity
Gathering every drop of love for a loving world
We increased donations to western areas, especially Moyu and Luopu in Hotan
City. In 2020, we donated RMB 41.5844 million to poverty-stricken areas, an
increase of RMB 28.6908 million over 2019. Among all the donations, RMB 15.8
million went to Moyu and Luopu. The Party committee also mobilized employees
to make donations through the official WeChat account of the Social Participation
in Poverty Alleviation and Development of China, and the donations amounted to
A delegation led by Party Secretary and Chairman Li Minji inspected the Bank’s
poverty alleviation achievements in Xinwangzhuang Village, Miyun District, Beijing RMB 1.67 million.
30 2020 Social Responsibility Report Hua Xia Bank Co., Limited 31
Honors and Awards
Enriching poverty alleviation practices
The Bank was rated “Good” in the annual assessment of
poverty alleviation performance by the Beijing State-owned
Shijiazhuang Branch:
Assets Supervision and Administration Commission (Beijing
Shijiazhuang Branch was recognized as the “Most
SASAC).
Enthusiastic Public Welfare Partner” by Hebei Charitable
Joint Foundation.
Urumqi Branch: Shijiazhuang Branch’s village-based poverty alleviation
team was recognized as the “Excellent Village-based
The village-based work team of Urumqi Branch had
Poverty Alleviation Team in 2019” by the Organization
been rated “Excellent” in the performance appraisal of
Department of the Hebei Provincial Committee of the
Xinjiang Uygur Autonomous Region for three consecutive
CPC and Hebei Provincial Poverty Alleviation and
years.
Development Office.
Urumqi Branch’s poverty alleviation work in deep-poverty
villages had been rated “First Class” in the assessment Kunming Branch was recognized as the “Model Unit in
of Xinjiang for two consecutive years. Poverty Alleviation in 2020” by the Party Committee and
Government of Dali Bai Autonomous Prefecture, Yunnan
Urumqi Branch was rated “Excellent” for all the four
Province.
major indicators in the 2019 performance appraisal
of village-based teams, and won the honorary titles of
Unit of Excellent Organization, Advanced Work Team, Hohhot Branch won the honorary title of the Model Unit in
Advanced Work Team Leader, and Advanced Work Poverty Alleviation issued by the People’s Government of
Team Members. Ar Horqin Banner, Chifeng City.
Village-based cadres of Chengdu Branch sent school supplies to the kindergarten in Wangbuding Township
Urumqi Branch was awarded the honorary titles
of Advanced Enterprise for Promoting Industry The Bank won the Targeted Poverty Alleviation Vanguard
Case Development and Advanced Grassroots Unit for Award in the Third Top Pioneers List of Financial Poverty
Contributing to Poverty Alleviation by Hotan City. Alleviation 2020 selection campaign hosted by China.
Beijing Branch Urumqi Branch com.
Since the launch of the partnership assistance program between Beijing Since 2017, Urumqi Branch has successively invested more than RMB
Branch and Xinwangzhuang Village, the Branch has effectively boosted 37.5 million in donations and operating expenses in Hotan, Xinjiang, The Bank won the honorary title of Excellent Organization
farmers’ income and wealth through such livelihood-benefiting projects as and assigned 15 comrades to participate in the village-based poverty
Unit in the picture collection campaign themed poverty
joint Party building, industrial upgrading, charity donations, purchase of alleviation work in the three extremely impoverished villages of Hotan City.
self-produced agricultural products, and recruitment of college students The Branch also launched the “Hua Xia Bank Huimin Supermarket”, “Hua alleviation organized by Guangming.com.
from poor families. The tomato greenhouse and understory fungus planting Xia Bank Poverty Alleviation Coal Yard”, “Hua Xia Bank Poverty Alleviation
area constructed under the aid of the branch increase the collective Night Market”, and other livelihood-benefiting programs, which helped
income of the village by at least RMB 60,000 per year. The newly built 1,142 poverty-stricken people from the three villages to get rid of poverty.
hiking trails and the 1958 art district attract a large number of tourists to
come for sightseeing and accommodation. Beijing Branch also helped the
village design the “Xinwangzhuang” brand LOGO for agricultural products,
Song Xiyuan from Shijiazhuang Branch was honored the Gao Wenfeng from Shijiazhuang Branch was honored by
increasing the added value of agricultural products. Advanced Individual of Poverty Alleviation Collaboration in the Organization Department of Hebei Provincial Party
Beijing. Committee and Hebei Provincial Poverty Alleviation and
Shijiazhuang Branch Kunming Branch
Development Office as the Excellent Member of Village-
Many years in a roll, the village-based poverty alleviation team has been In order to help Huanghua Village make new breakthroughs in developing Ma Shuxin from Urumqi Branch won the honorary title of based Teams for his contributions to poverty alleviation in
helping Erdaozhuang Village, Xiazhuang Township, Fuping County, the collective economy, Kunming Branch invested RMB 100,000, which, Advanced Individual of Poverty Alleviation Collaboration in Hebei Province in 2019.
Baoding City. Song Xiyuan, the first secretary of the village-based work along with the RMB 50,000 of subsidy that the village committee applied Beijing issued by Beijing Poverty Alleviation and Support
team, has become a member of the harmonious family. With the help for from the organization department of the county Party committee, was
Office. Li Yingchun from Kunming Branch was honored the
of the work team, the entire village has established industries with local invested in the ecological farm of the village. Through a “Party branch +
characteristics, such as edible fungi, forest and fruit, photovoltaics, etc., cooperative + breeding base + farmer households” model, the investment Outstanding Member of Village-based Poverty Alleviation
and set up labor service posts, where people with labor ability can make assists farmers to increase their income, and helps adjust the agricultural Teams in 2020 and the Most Beautiful Poverty Alleviation
money through physical labor and those unable to work can receive industry structure and strengthen the collective economy. In the first year Cadre.
subsidies. The work team assisted the village committee to provide job of its operation, the collective economy of the village achieved a profit of
opportunities for 141 poor people. more than RMB 20,000.
34 2020 Social Responsibility Report Hua Xia Bank Co., Limited 35
Promoting the Coordinated Development
Boosting cultural prosperity In 2020
To build Beijing into a national cultural center, the Bank has actively responded to the
of the Beijing-Tianjin-Hebei Region 22.9
financial needs of cultural and creative enterprises, contributing to the cultural boom in
the city.
the Bank provided RMB
295
Ramping up financial services for cultural and creative enterprises
billion of financing for cultural
Positioned to be a major financial service provider for the Beijing-Tianjin-Hebei region, Continuing to implement the Time-Honored Brand Action Plan
we actively served Beijing’s drive to develop into a national political center and cultural
and creative enterprises in Beijing
center, an international exchange center and technology innovation center and relocate The Bank has launched seven featured financial products and offered comprehensive
its non-capital functions. We also increased financial support for the development of financial services, boosting the development of these brands. The Bank signed a strategic
the Beijing Municipal Administrative Center and the Xiongan New Area, and for the cooperation agreement with Beijing Wuyutai Tea Co., Ltd.
coordinated development of the Beijing-Tianjin-Hebei region.
In 2020 Deepening the integrated development of culture and finance
Serving the development of “One Core”
260.7
The Bank has launched the Hua Xia loan series for cultural parks in Beijing and become
As a “bank for Beijing”, we followed the city’s master plan for development, and increased one of the first batch of financial institutions with the intent to invest in risk compensation
the financial support for the construction of the city. We helped Beijing sharpen its edge the Bank provided RMB to reward these enterprises in Beijing. Amid the pandemic, the Bank has issued ten
in technological innovation and cultural development, and promoted the economic measures to help cultural MSEs reduce operating costs.
billion of financing for projects in Beijing
transformation and development of the capital.
Scan the QR code
for more information
Promoting economic development Boosting the innovation-driven development of IP financing about Hua Xia
As of the end of 2020 Bank’s policy on
The Bank continued to ramp up financial support for SOEs under Beijing SASAC, such financial services for
The Bank has successfully invested in the Action Plan for Supporting FIRST CAPITAL-
31
cultural and creative
as the Shougang Group, Beijing Construction Engineering Group and BBMG Corporation Capital Securities-Phase I Cultural Leases, making its contributions to the integrated enterprises
Ltd. Specifically, targeted products were innovated in different areas, ranging from development of Beijing’s culture and technology and building Beijing into the cultural
collectively-owned construction land, urban renewal, and financing during project the Bank had provided RMB billion of center of China.
operation period. The move has provided financial support for the construction of the financing for small and micro enterprises
capital. in Beijing
Financing science, technology and innovation (STI)
To provide quality financial services for small and micro enterprises, we have settled in In 2020
To build Beijing into the national STI center, the Bank has taken the initiative to integrate
the Beijing First Loan and Renewal Service Center and set up 18 financial service centers
targeting small and micro enterprises to provide them with a green channel to consult on into the Zhongguancun innovation ecosystem, continued to expand the service coverage,
48.7
and handle credit-related businesses. Since 2017, Hua Xia Bank has provided RMB 81.2 and propelled the transfer and commercialization of technological advancements, to
billion in credit support to 16,500 small and micro enterprises in the capital. develop Beijing into a global STI leader.
the Bank provided RMB billion
490
In 2020
Supporting the development of technology enterprises of financing for technology
the Bank signed strategic cooperation agreements with 1 government department, 5 Establishing a platform Intensifying cooperation Innovating in services
1 private enterprise
enterprises in Beijing
enterprises under Beijing SASAC, and
We contacted We continued to do business In cooperation with an
underwrote58 corporate bonds issued by local enterprises with an amount of RMB Administrative Committee with financing guarantee intellectual property
61.4 billion, a year-on-year increase of 52% of Zhongguancun Science agencies such as Beijing operations management
City (formerly known as Zhongguancun Sci-tech company, we launched the
Zhongguancun Haidian Financing Guaranty Co., IPR Loan (Zhirongbao, or
Science Park), Beijing Ltd., Beijing Investment and Smart Loan) and Small Smart
Local Financial Supervision Guaranty Corporation and Loan, vigorously promoted
and Administration, China National Investment IPR pledges and loans,
Shenzhen Stock Exchange, and Guaranty Corporation, and explored ways toward
and Zhongguancun Listed co-built the risk sharing securitization of the collective
Companies Association, mechanism, and adopted IPR assets of Zhongguancun
and enhanced cooperation proper and effective risk
with Haidian Financial control measures to provide
Service Platform strong financing support for
The Bank signed the strategic cooperation agreement with Beijing Financial Holdings Group high-tech enterprises
A Dedicated Hua Xia with Craftsmanship A Philanthropic Hua Xia with Inclusive Finance A Sincere Hua Xia with Innovative Services An Eco-friendly Hua Xia Through Green Development A Prudent Hua Xia with Compliance A People-centered Hua Xia Pursuing Happiness for All
36 2020 Social Responsibility Report Hua Xia Bank Co., Limited 37
Supporting the development of the Beijing Municipal Administrative Center and Xiongan New Area
With the focus of helping Beijing relocate its non-capital functions, the Bank has considerably promoted the development of the Beijing
Municipal Administrative Center and Xiongan New Area, contributing to the high-quality coordinated development of the Beijing-Tianjin-
Hebei region.
Supporting the development of the Beijing Municipal Administrative Center
Responding to national and municipal development strategies, the Bank has provided higher-level financial services for the
government and enterprises in the Beijing Municipal Administrative Center for win-win development. In 2020, we opened a branch in
the administrative center. The branch would provide premium financial services for infrastructure construction, green finance, industry
transfer, STI, culture & creativity and personal finance.
Supporting the The Bank increased financing for key projects, such as comprehensive transportation hubs and rail transit
development of
integrated transportation system, to speed up the development of integrated transportation.
Supporting ecological The Bank continued to advance its financing projects for air pollution control in the Beijing-Tianjin-Hebei
conservation Region, and introduced green finance bonds to finance green projects in the administrative center.
Improving living The Bank increased financing for the reconstruction of bungalow neighborhoods and run-down areas in
standards Tongzhou, to improve living conditions.
Promoting infrastructure The Bank actively financed the construction of Yunhe Business District, National Cybersecurity Industrial Service hall of Xiongan Branch
construction
Park, Universal Beijing Resort, as well as other key infrastructure projects.
1 3 4
The Bank set up more outlets The Bank offered preferential The Bank increased direct The Bank supported Xiongan
Supporting the development of Xiongan New Area and ATMs to form a more pricing for key projects engaged financing, and enhanced New Area to build a “green, low-
rational layout in Xiongan New in infrastructure construction, support for debt-based carbon, intelligent, efficient, eco-
We have formulated the Implementation Plan for Providing Financial Services for the Innovation-driven Development of Xiongan New Area. environmental governance, financial instruments issued friendly and livable” city. We
industry transfer and undertaking. by local large enterprises offered international sub-loans,
Area. Our financial services for Xiongan New Area are diverse, covering such areas as infrastructure construction, environmental such as China Xiongan green credit and other products
governance, industry transfer and undertaking. In 2020, our Xiongan Branch was officially opened and signed strategic cooperation Group. and services, and lent more to
2
projects like the Beijing-Tianjin-
agreements with six local key enterprises to guarantee better financial services for Xiongan New Area.
Hebei Air Pollution Prevention
and Financing Innovation .
The Bank actively supported the
5
development of micro, small and
The Bank accelerated the The Bank helped build a service-
7 medium-sized enterprises. Apart
development of online oriented government. Following
from introducing more innovative
financial services for supply the development trend of “Internet-
products and models, the Bank
chain based on blockchain based governance”, the Bank
sped up the development of
technology, to form an continued to improve IT services
online business, leaned credit to
industry ecosystem featuring for government finance, social
them, and continuously improved
positive interlay, sustainable security, housing and urban-rural
service efficiency for them with
development, and mutual development, etc.
6
the help of FinTech.
benefits, boosting the
construction of Xiongan’s The Bank developed a scene-based omni-
“smart city brain project”. channel service ecosystem combining
8 our app, and provided local residents with
high-quality personal banking services
including wealth management, debit cards
with the coordinated development of the
Beijing-Tianjin-Hebei region as the theme,
ETC service, etc.
Eight main measures to support the development of Xiongan New Area
Opening ceremony of Xiongan Branch
A Dedicated Hua Xia with Craftsmanship A Philanthropic Hua Xia with Inclusive Finance A Sincere Hua Xia with Innovative Services An Eco-friendly Hua Xia Through Green Development A Prudent Hua Xia with Compliance A People-centered Hua Xia Pursuing Happiness for All
38 2020 Social Responsibility Report Hua Xia Bank Co., Limited 39
In 2020
Contribution to the coordinated development of the
Beijing-Tianjin-Hebei region
The Bank established a leading group on the development of the Beijing-Tianjin-Hebei the Bank financed RMB 65.6
billion for key projects related to the
region. Based on vertical and horizontal collaboration and coordination between the Head
Office and branches, we increased resource input and policy support for key projects in coordinated development of the Beijing-
the region, to substantially improve our contribution to the coordinated development of Tianjin-Hebei region
the Beijing-Tianjin-Hebei region.
Promoting the development of key functional areas of the Beijing-Tianjin-Hebei region
As of the end of 2020
Beijing Daxing International Airport Economic Zone
160
Shijiazhuang Branch signed a strategic cooperation agreement with Langfang Airport
Economic Zone on providing financial services for Langfang Airport Economic Zone,
the Bank had opened banking
mainly the Airport Service Center, and Beijing Daxing International Airport Bonded Area
(Hebei) Phase I project. By now, RMB 200 million of loans have been issued. outlets in the Beijing-Tianjin-Hebei region
Tianjin Binhai New Area
The Bank offered credit loans of RMB 1.62 billion to a company in Tianjin Binhai New Area The Bank presented China Renewable Energy and Battery Energy Storage Promotion Project in the New Product, New Technology, New Applicaiton
and issued ultra-short bonds of RMB 500 million for the company. Additionally, the Bank Scenario Promotion Conference of Beijing SASAC
independently underwritten and wholly invested in China’s first debt financing program of
RMB 1 billion under the theme of “Coordinated Development of the Beijing-Tianjin-Hebei Supporting the integration of public services in the Beijing-Tianjin-Hebei region As of the end of 2020
Region”, which was issued by a company in Tianjin Economic-Technological Development
Zone . The Bank actively built an integrated financial service circle for the Beijing-Tianjin-Hebei
region, with integrated personal financial services concerning payment, rate discounts the Bank had issued
Beijing-Hebei Caofeidian Co-development Demonstration Zone
and lending and financing. Moreover, the Bank continued to upgrade the debit card
themed on the coordinated development of the Beijing-Tianjin-Hebei region, enabling its
holders to use it to take public transportation commuting between the three places.
2,377,300 debit cards
themed on the coordinated development
The Bank actively communicated with the Zone Management Committee, extended credit
to Caofeidian State Control Investment Group Co., Ltd., and enhanced financial service for
of the Beijing-Tianjin-Hebei region
the Zone and its resident enterprises.
Supporting the ecological governance and restoration of the Beijing-Tianjin-Hebei
Region
Zhangjiakou-Chengde Ecological Function Zone
The Bank granted a credit loan of RMB 1.38 billion to a wind energy company in Zhangbei
Leveraging our unique strengths in green finance, the Bank further strengthened
cooperation with international financial organizations such as the World Bank, and
the Bank had financed 28 projects
in the Innovative Financing Project for Air
introduced low-cost funds such as sub-loans of the World Bank and foreign government
County and a new energy company in Hebei, supporting the Zhangjiakou Wind Power Pollution Control in the Beijing-Tianjin-
(Clean Energy) project. loans to support energy conservation, emission reduction, and clean-energy development
Hebei region
in the Beijing-Tianjin-Hebei region.
In 2020
the green loan balance of our branches in
an increase of RMB 14.436 an increase of 61 % from the previous
37.901
the Beijing-Tianjin-Hebei region reached
billion of the green loans year
RMB billion
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40 2020 Social Responsibility Report Hua Xia Bank Co., Limited 41
Implementing State-level Regional As of the end of 2020
Supporting the development of the Guangdong-Hong
Development Strategies Kong-Macao Greater Bay Area
The Bank optimized local branches’ cross-border financial service system, and vigorously balance of loans for the Greater Bay Area
194.2
The Bank has developed the regional development strategy based on “Three Zones, Two Lines, Multiple Outlets”. Leveraging our developed a portfolio of specialty products, providing comprehensive financial services
expertise, the Bank formulated credit, investment and financing policies, and motivated branches to serve the mainstream economy for the Greater Bay Area. had reached RMB billion,
28.2
based on local situation, promoting the coordinated and high-quality regional economic development.
a year-on-year increase of %
Guangzhou Branch Shenzhen Branch
Giving full play to the advantages of Leveraging its advantages brought
Guangzhou as a national central city by the abundant leading FinTech
and comprehensive transport hub, companies and financial resources,
and supporting the development of and flexible policies, accelerating
infrastructure, strategic emerging the development of technology and
industry, advanced manufacturing and finance, and building an innovation
modern service industry base
Hong Kong Branch
Taking advantage of Hong Kong’s position as an international financial and trade center
and global offshore RMB business hub, strengthening trade finance and innovation-
The meeting of our branches in the Yangtze River Delta on integrated development led by Li Minji, Party Secretary and Chairman of Hua Xia Bank driven development, and establishing the platforms for overseas customer service,
investment, financing and trade
Advancing the integration of the Yangtze Promoting the development of the
River Delta Yangtze River Economic Belt
Case
The Bank deepened the mechanism and capacity building for The Bank closely followed the development trend of the Yangtze
integrated and coordinated development. We strengthened River Economic Belt, and provided premium financial services for Providing high-quality financial services for enterprises in the Greater
research on regional policies, seized market opportunities infrastructure construction in areas essential to public wellbeing
Bay Area through cross-border cooperation
and allocated more credit loans to advance the integrated and industrial upgrade, to inject impetus into regional high-quality
Our Hong Kong Branch issued USD 50 million of bilateral loans to a company
development of the Yangtze River Delta. development. and signed a strategic cooperation agreement with the company on corporate
account, financing, product diversification, and internet platform. The two sides
Case
aimed to jointly create high-quality financial services.
Case
Supporting the construction of key projects in the
Yangtze River Delta region
Aiding flood control and promoting the infrastructure
construction of the Yangtze River Economic Belt
Shanghai Branch Hangzhou Branch Nanjing Branch
Shanghai Branch provided Hangzhou Branch signed Nanjing Branch had
The Bank lent RMB 100 million to a company in Yu 'an
comprehensive financial a strategic cooperation financed more than
services for major projects agreement with the RMB 100 billion for District, Lu 'an City, Anhui Province, for river dredging,
involving an airport group Hangzhou Municipal key projects, such pipeline network inspection and restoration, post-flood
and a new energy vehicle Government, according as the Ecological reconstruction projects, etc., to help local residents return
company, advancing the to which Hangzhou Restoration Project of to normal life as soon as possible.
integrated development Branch will provide RMB Dazong Lake.
of financial services for 120 billion of financing for
key companies in the outstanding enterprises
Yangtze River Delta. and key projects in
Hangzhou in the next
three years.
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42 2020 Social Responsibility Report Hua Xia Bank Co., Limited 43
Promoting Industrial Transformation Serving China’s Opening-up
and Upgrade Under the new development pattern of “dual circulation”, the Bank made active contributions to stabilizing foreign
investment, trade and achieving a higher level of opening-up by providing cross-border financial support for the Belt
and Road Initiative projects, the going global campaign of Chinese enterprises and the development of free trade
In line with national policies on industrial upgrade, the Bank actively engaged in the reform of state-owned enterprises
areas.
(SOEs). This move contributed to the upgrade of traditional industries, the development of strategic emerging
industries, and the high-quality growth of the real economy.
Main measures for stabilizing foreign investment and trade
Setting up a taskforce Implementing facilitation policies
The Bank developed the Online Cross-border The Bank implemented the Circular of the State
Financial Service Guide, mobilized the headquarters, Administration of Foreign Exchange on Optimizing
branches, and sub-branches to collaborate with Foreign Exchange Administration to Support
each other, and opened green channels to ensure Foreign-related Business Growth and other policies
the arrival of imported anti-pandemic materials and to improve foreign exchange service efficiency and
overseas donations. guard against cross-border capital flow risks.
Innovative services Promoting online services
The Bank provided integrated financial services The Bank launched online services such as
for enterprises, including the whole-process supply chain cloud account, supply chain online
foreign exchange policy consultation, cross-border contract signing and blockchain forfaiting to reduce
guarantee/standby letter of credit (SBLC), etc. customers’ travel costs.
Changzhou Branch visited an enterprise to investigate the R&D in the field of new materials
Supporting the transformation of traditional industries Supporting strategic emerging industries
Case
Guided by relevant industrial policies and the distribution of The Bank actively increased financial support for key industries
various industries, the Bank promoted the mutually beneficial and and areas, contributing to the rapid development of high- Launching the green channel for cross-border business
integrated development of the financial industry and traditional end equipment manufacturing, new-energy vehicles and other
industries, thus facilitating the transformation and upgrade of strategic emerging industries. As of the end of 2020, the balance Shortly after the COVID-19 outbreak, the Bank launched the green channel for cross-border business and simplified the process
traditional industries. of loans to support strategic emerging industries was RMB 79.689 for import purchase of foreign exchange, facilitating customers to import anti-coronavirus materials and accept overseas
donations.
billion.
Case
Guangzhou Branch Nanchang Branch SuzhouBranch
Boosting the transformation and upgrade of a Case
traditional coal enterprise Issuing China’s first Asset-Backed Medium-Term
In response to a customer’s needs for In spite of traffic control and other The branch was able to complete
Note (ABN) in general aviation importing anti-coronavirus materials, the difficulties, the branch settled USD 80 the processes of foreign exchange
The Bank used on-lending funds to support the branch opened a USD 13 million letter million of foreign debt for a customer. purchase, payment and settlement within
construction of a photovoltaic power generation project The Bank worked to advance the ABN project of an of credit and reduced handling fees for 20 minutes, and helped an enterprise
in Changzhi County by a subsidiary of a mining group aviation company to promote the securitization of accounts customers. source infrared ear thermometers
in Shanxi to facilitate local energy transformation. After receivable, make good use of idle assets and speed up the and other protective equipment from
completion, the project can generate 23,471,400 kWh company’s development. American manufacturers.
annually, saving 7,763.3 tons of standard coal.
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44 2020 Social Responsibility Report Hua Xia Bank Co., Limited 45
As of the end of 2020
Supporting the Belt and Road Initiative Developing cross-border financial services
The Bank actively supported the Belt and Road Initiative (BRI) and expanded its The Bank innovated trade finance products, strengthened international cooperation, and
correspondent bank network in partner markets. With innovation in trade finance
products, debt financing instruments and inter-bank investment, the Bank helped promote
infrastructure construction and market development in BRI countries.
the Bank had established 637
correspondent banks in BRI markets,
supported the internationalization of Renminbi, providing reliable financial support for the
going global campaign of Chinese enterprises.
Case
Supporting Chongqing’s drive to develop into a pioneer of inland
accounting for 53 % of all correspondent
Expanding The Bank expanded its correspondent bank network at home and abroad, enhanced communication and
opening-up in China banks of the Bank
channels for cooperation with international peer banks, and provided customers with local and foreign currency integrated
global service trade financial services. As of the end of 2020, the Bank had set up 1,206 correspondent banks at home and
Chongqing Branch has strongly supported the Sino-Singapore (Chongqing) delivery abroad in 321 cities of 101 countries and regions on all five continents of the world.
Demonstration. It helped customers to list on the Singapore Exchange, promoted
cross-border green bond and RMB capital pool projects, and provided new
alternatives of financing channels. The Bank actively promoted credit insurance financing, international factoring, FTZ pledge financing
Innovating
loans, increased support for exporters, and reduced financing costs of Chinese-invested enterprises.
trade finance
Moreover, the Bank realized online scenario-based application of supply chain financial services, strongly products
As of the end of 2020
Supporting the development of Free Trade Zones supporting the development of MSMEs.
30
The Bank ramped up efforts to support the development of Free Trade Zones (FTZs).
We set up institutions, launched products and leveraged the advantages of free trade The Bank continued to advance RMB internationalization with four product lines, i.e., cross-border account
accounts in cross-border direct investment and cross-border financing, to meet the the Bank had established service services, cross-border settlement products, cross-border financing products, and capital projects. We aimed
Supporting
financing needs of multinational corporations, overseas institutions and Chinese-invested outlets in 21 FTZs across the country Renminbi to facilitate cross-border settlement and financing businesses using Renminbi and allow customers to benefit
internationalization from RMB settlement facilitation policies. As of the end of 2020, the Bank had handled the cross-border RMB
enterprises and help promote the reform of FTZs.
business of RMB 46.3 billion.
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46 2020 Social Responsibility Report Hua Xia Bank Co., Limited 47
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48 2020 Social Responsibility Report Hua Xia Bank Co., Limited 49
As of the end of 2020
Innovating in financial products and services
Promoting the Growth of MSEs With FinTech empowerment, the Bank optimized the online service system to meet MSEs’ financing and development needs in a more
flexible and convenient way.
balance of loans to MSEs: RMB
The Bank has met all supervision indicators for small and micro enterprises for 11
consecutive years. The Bank took the initiative to meet the financial needs of SMEs and
improved its measures for ensuring stability in the six key areas: employment, financial 456.412 billion
Enhancing online financial services
Enhancing the efficiency of
operations, foreign trade, foreign investment, domestic investment, and expectations. We Strengthening risk control tax payment Improving business efficiency
loans to MSEs increased by RMB
60.024
developed comprehensive financial service solutions for MSEs, lent more to more MSEs
with improved services and at less cost. The Bank accelerated the construction The Bank optimized the new-generation The Bank formulated the administrative
billion of the independent risk control model for Yinguantong tax and fee e-payment measures and implementation rules for
online lending. We formulated a series system, which allows the payment of the credit decision engine platform. We
of online lending systems, such as customs taxes in real time, saves the also promoted the application of the
the administrative measures for online manual operational cost of operating electronic credit contract management
lending, rules on the management and centers and improves the efficiency of system for small businesses, improving
The Bank set up special divisions for inclusive finance implementation of the Internet loan risk tax collection. service efficiency with the help of
control model, etc. technologies.
service in key branches. We enlarged the empowering
role of FinTech, coordinated resource allocation and
ramped up efforts to build a unified online lending Optimizing the payment
financing system Providing convenient services
management platform.
The Bank developed the payment The Bank opened an official WeChat
financing APP for MSEs to provide account focusing on inclusive finance
more convenient financial services for services, which allows such self-service
The Bank formulated the 2020 Guiding customers. The APP has such new functions such as credit application,
The Bank increased policy
Opinions on Credit Access and Risk functions as customer credit inquiry loan application, automatic account
support for reviewing loan
An improved
and online authorization for external registration, loan repayment, online
service system Management of Inclusive Finance. The
applications, especially data query, further improving the user property valuation and other services.
Bank maintained strict management experience.
single applications for no
A sound Strengthening of “customers, guarantees, regions,
more than RMB 10 million by
long-term risk prevention products, platforms, and quotas”;
private MSEs. The Bank also
mechanism The Bank’s
and control and fostered a normalized risk
optimized the fault tolerance inclusive finance
system check mechanism capable of online
and correcting mechanism
monitoring, special examinations,
for business innovation.
Enhancing A sound
cross-checks, and special assessment.
business credit system In addition, the Bank propelled the
innovation application of the internal review system
for retailing in the whole process of risk
control, and employed both the human
and automated risk control models.
The Bank strengthened innovation of products, technology, The Bank promoted cooperation
models and other aspects. Moreover, the Bank interacted with taxation, businesses, insurance
with relevant management and information systems of core and guarantee organizations.
enterprises and government departments, and provided more
efficient financing services for upstream and downstream MSEs.
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50 2020 Social Responsibility Report Hua Xia Bank Co., Limited 51
Addressing financing difficulties for MSEs
The Bank spared no effort to ensuring stability and security on six fronts. The lending to MSEs maintained a relatively high growth rate,
supporting enterprises’ resumption of work and production.
L o g i s t i c s L o a n
House Loan Express 5.0 Loan Products Based on the Guangzhou Branch took the initiative to understand enterprises’ needs during the pandemic
The Bank offered medium- and long- Annual Review
term loans for MSEs with the financing The Bank reduced the costs for renewing
period of up to 30 years. loans for customers, the costs of
refinancing and the time of business As of the end of 2020
lending, and automatically re-lended to
A diversified enterprises without signing a new loan Improving services and
Enhancing loan renewal services
Five countermeasures
Five support measures
connection with customers
product contract and exempted them from paying
balance of loans to MSEs with no more
back the principal within five years, thus
system Opening an express service channel Implementing deferral on loan repayment
than RMB 10 million each increased by
26.688
effectively eliminating customers’ sore
spots caused by the turnover of funds. Innovating in products and services Providing Work Resumption Loans
RMB billion from
E Loan for Livelihood & E Loan Loan Renewal without Reducing financing costs Launching Reliable Loans
the beginning of the year, an increase of
26.65 14.61
for Foreign Trade Repayment of Principal
%,
Optimizing online services Enhancing exclusive services
The Bank cooperated with a guarantee Logistics Loan The Bank effectively helped MSEs get
company in Beijing to develop and rid of liquidity risks and exempted them
For logistics MSEs, such as consignees, percentage points higher than the growth
launch financial products such as E from “repaying the existing loan before
shippers, logistics companies and self-
Loan for Livelihood and E Loan for applying for a new loan”. rate of the Bank’s loans
employed drivers, the Bank offered small
Foreign Trade to provide considerate
services for Beijing’s retailing
credit loans to help them pay for logistics, Case
transportation, etc. upon application
MSEs (e.g., catering companies,
and allow them to pay back whenever Reliable Loans bring timely help to MSEs
convenience stores, delivery
they can, and provided flexible financial
companies) and the foreign trade
services for the logistics sector. In response to the COVID-19 pandemic, Xiamen Branch launched “Reliable Loans
enterprises engaged in the Belt and
Road Initiative. Salary Keeper”, a special loan for eligible MSEs and self-employed individuals
affected by the COVID-19, to pay salaries and help them fight against the
pandemic.
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52 2020 Social Responsibility Report Hua Xia Bank Co., Limited 53
Case In 2020
Smoothening the “last mile” for financial services Supporting Private Enterprise
the Bank cumulatively reduced or exempted
Wenzhou Branch actively participated in the campaign of “100 Banks Entering service fees for private enterprises by
The Bank earnestly implemented the major decisions and deployments of the CPC
175.2954
100,000 Enterprises”. The branch increased field visits to find out the enterprise
Central Committee, the State Council, and regulators on supporting private enterprises
demands, and formulated targeted financial service solutions. As of the end
and the private sector. We ramped up efforts to improve services for private enterprises RMB
of 2020, via the above campaign and in delivering services for “development,
decision-making and policy implementation”, the branch organized 1,068 field and further cut some fees to lighten the burden on private enterprises and support their million, an increase of RMB
122.99
visits and helped 739 private enterprises and MSEs with financing of RMB 3.948 development.
billion. million from the
Case previous year
Case
Helping enterprises that have applied for the loan for the first time
Helping MSEs out of difficulties through Work Resumption Loans
Due to the sudden outbreak of the COVID-19, a technology company in Shenzhen
Shenzhen Branch issued RMB 10 million Work Resumption Loan for purchase of found itself short of working capital. Shenzhen Branch simplified the procedures
raw materials, intelligent upgrading of the production line, and recruitment of R&D and innovatively launched “Easy First Loan”, which provides customized financial
personnel, effectively alleviating a high-tech enterprise’s financial pressure and
services for enterprises that have applied for the loan for the first time. The credit
tackling difficulties.
amount was determined and verified in no time, and the customer was offered a
preferential interest rate.
Scan the QR code for
more information about
our Hua Xia Bank’s
Financing Scheme for
SMEs
Shenzhen Branch helped a company resume production
Kunming Branch financed small flower companies Shaoxing Branch provided customized financial services for a printing and dyeing enterprise
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54 2020 Social Responsibility Report Hua Xia Bank Co., Limited 55
Boosting People’s Wellbeing
We diversified diverse financial products and service models to provide safe professional,
and considerate financial services for customers to meet the people’s aspiration for a
better life.
Kunming Branch helped Jiangnan Village improve its environment
Case Case
Supporting the development of industries to help build Promoting infrastructure construction and improving
a beautiful countryside rural landscapes
In 2020, Hangzhou Branch issued nine loans to MSEs in Kunming Branch supported Jiangnan Village construct
Lindai Town, Pinghu City, totaling RMB 29 million. It helped infrastructure, green and beautify the environment, and
improve the quality and efficiency of modern agriculture harden roads. It improved various public service facilities,
and boost rural employment. including health centers, libraries, and fitness sites,
effectively improving the living environment of the village.
Hangzhou Branch helped build a beautiful countryside in Lindai Town, Pinghu
As of the end of 2020 Case
Financial services for Agriculture, Farmers and Rural Areas
Doubanjiang Loans help local enterprises thrive
The Bank continued to develop targeted products to improve the coverage of basic
balance of inclusive finance loans to
financial services and accessibility of loans to rural areas. The Bank enhanced financial As of the end of 2020, Chengdu Branch had granted 54 credits loans, totaling RMB 160 million, to the doubanjiang industry in
14.398
“agriculture, farmers and rural areas” had
services in an orderly manner to promote rural revitalization and help build a beautiful Pi County. The loan has effectively solved the financing difficulties of local doubanjiang producers while increasing the yield and
income of broad-bean growers.
countryside. reached RMB
1.808
billion, which increased by RMB
The Bank built a statistical and monitoring system for loans to billion,
Establishing “agriculture, farmers and rural areas” and continued to optimize
14.36
a sound
business processes and loan approval mechanism.
mechanism
or %, from the beginning
Optimizing
The Bank deepened the banking-insurance cooperation
mechanism, actively promoted agricultural supply chain finance,
2.32
of the year, percentage
and developed specialty products, exploring a credit enhancement points higher than that of the Bank’s loans
product
financing system centered on quality.
The Bank promoted basic financial services in rural areas,
Improving developed special withdrawal services for farmers; set up mobile
services terminals to provide mobile services and improved online services.
Chengdu Branch employees visited doubanjiang enterprises
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56 2020 Social Responsibility Report Hua Xia Bank Co., Limited 57
As of the end of 2020 Supporting consumption As of the end of 2020
Supporting livelihood improvement
107
The Bank actively promoted consumption in areas essential to people’s wellbeing, and
Responding to the country’s call to support the development of Central and Western
served residents’ core consumption needs for a better life, thus boosting domestic
424.251
China and the Old Industrial Bases in Northeast China, the Bank continued to improve balance of personal loans (except credit
the Bank had opened outlets consumption and confidence and momentum for economic recovery.
basic financial services and the layout of county-level outlets. We provided quality
81
in rural areas
card): RMB
financial services to less-developed areas, especially in such areas as public services,
provided services for outlets in old billion
medical service, education and senior care. Supporting consumption upgrade
revolutionary base areas, areas inhabited The Bank developed intelligent, digital, and agile personal loans, and continued to
by ethnic minority groups, remote and boost personal loans.
border areas and poverty-stricken areas
Upgrading personal loan brands
In 2020
We built the Hua Xia E Loan brand, under which are five sub-brands: Elite E Loan,
1
Hua Xia E Loan, Housing E Loan, Vehicle E Loan and Education E Loan. We
employed big data and cloud-based risk control platforms to provide professional,
the Bank opened more county-level
intelligent and integrated personal credit services to retailing customers.
7
sub-branch
Enhancing consumption-side supply
opened new outlets in Central and
Focusing on such real-life scenarios as travel and leisure, education and
West China
training, medical care and elderly care, maternal and child health, ventilation and
environmental protection, smart home, and car rental and purchase, we actively
developed integrated loan businesses.
Kunming Branch served a customer of ethnic minority
The credit card exclusively for
Developing inclusive finance medical workers
Case
Responding to the country’s call for improved living standards and social security, the
Bank continued to optimize resource allocation for projects vital to people’s wellbeing and Initial launch of Hua Xia QuickPass credit card
make professional financial services accessible to every resident.
In response to the call of People’s Bank of China (PBOC) to promote mobile
payment, we cooperated exclusively with China UnionPay to launch the QuickPass
Case credit card. It offers “cashback for every purchase”, discounts, and installment
discount, and aims to fuel the economic re-opening after the pandemic.
Helping fight droughts and water shortage in northwestern Guizhou
Guiyang Branch successfully reached the RMB 3 billion banking-insurance
cooperation with a water conservancy company to support the resumption of work
and production of key water conservancy projects of the company, effectively
guaranteeing livelihood-benefiting projects.
The Starcatcher Platinum credit card
Case
Empowering public services
Changchun Branch brought heat suppliers, users and payment channels together
on WeChat to form a platform for trustworthy public utility payment and convenient
lifestyle services.
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60 2020 Social Responsibility Report Hua Xia Bank Co., Limited 61
Improving the level of management
Accelerating FinTech
Development Building R&D mechanisms Enhancing communication
The Bank created the IT organizational structure The Bank built online channels and initiated
consisting “One Department, Six Centers, and One activities to call for new technology applications and
To pursue digital transformation and development, the Bank empowered products and Company”. system usability evaluation.
business development with FinTech, promoted external cooperation on FinTech, and The Bank established a closed-loop process The Bank built a crowd-testing platform to test
endeavored to guard against FinTech risks and promote digital finance across industries. system covering the entire life cycle of information mobile banking, staff mobile platforms, and other
technology. applications.
The Bank carried out pilots of agile projects and
Embracing FinTech promoted their application.
We continued to improve IT management and accelerated the building of basic
application platforms for big data, smart services and digital credit loans, which are Innovating in incentive mechanisms Applying research results
driven by the five goals of “led by innovation, driven by data, smart transformation, safe
operation and efficiency enhancement”. The Bank set up the FinTech innovation fund. The Bank launched the FinTech supermarket online.
The Bank set up the FinTech innovation risk reserve The Bank put into operation the cloud-based
fund. application development platform.
Building an agile organization system
The Bank actively promoted digital transformation. We set up a leading group for digital
transformation, and opened the office for promoting digital transformation to offer
institutional guarantee for rapid, effective promotion. We have laid down the blueprint and
implementation route, and improved coordinated planning and top-level design for digital
transformation.
Building a win-win ecosystem
The Bank ramped up efforts to promote external cooperation on FinTech, developed business scenarios and solutions, and explored a
new development model that is open, collaborative, and sharing.
The Bank formed a systematic theoretical basis
integrating the characteristics of digitalization, four digital
Deepening
levels, and digital financial ecosystem, and explored
understanding Conducting communication and cooperation
and promoted the development of digital innovation and
transformation. The Bank cooperated with internet companies, FinTech companies and internet-based banks to promote cross-border cooperation, and
constantly improve the Bank’s intelligent and digital operations.
Case
The Bank integrated national and regional strategies for
Developing the building a digital economy into digital and technological Official launch of the Cloud Native application development platform
strategic plan transformation, and created a new business structure
focusing on both enterprises and customers.
Through collaboration with professional technology companies, the Bank built the Cloud Native application development
platform that integrates advanced microservice application development frameworks, complete cloud-native service governance
infrastructure, and advanced mobile development platforms. The platform significantly improves the development efficiency and
ensures unified application management, and has been successfully piloted in several projects, such as WeChat Bank.
The Bank developed digital and intelligent financial service
Driving digital
solutions to promote the optimization and upgrading of the
transformation
industrial chain and supply chain, promoted the opening
with innovation
up of the Bank, and created new test fields for innovation.
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62 2020 Social Responsibility Report Hua Xia Bank Co., Limited 63
Supporting the development of industry digitization ecosystem
Guarding against FinTech risks
The Bank promoted the building of a digital ecosystem based on the industry internet platform, to connect SMEs, help improve financial
service accessibility to SMEs and reduce their financing costs. The Bank optimized FinTech risk management to ensure the safe and efficient operation of FinTech platforms.
Delicacy management Enhancing data process capabilities
The Bank improved the operation and The Bank promoted the development
maintenance management system and of same-city dual-active information
delicacy management. A B systems supporting primary and
secondary services.
The Bank enhanced business continuity Safeguarding
management and further improved The Bank built a cross-center dual-
secure and stable
timely response. active data processing platform.
operation of the IT
system
Intelligent systems Strengthening platform building
C D
The Bank built a mobile operation and The Bank built a private cloud platform
maintenance platform. to support stable operation of tens of
thousands of cloud hosts.
The Bank completed the online trial
operation (phase I) of the system map. The Hua Xia-Huawei Joint Innovation
Laboratory was opened.
The Bank launched the software-defined
wide-area network (SD-WAN) project. The Bank built a backup cloud self-
service platform.
Strengthening the customer information management
The “1+4” platform interconnectivity strategy The Bank amended and issued polices and rules for financial information management, improved whole-lifecycle financial information
management, and implemented requirements of personal information protection to prevent financial information leakages.
At the Bank end At the customer end Institution construction Self-checks
The Bank issued data and information management policies such In line with the Personal Financial Information Protection
The Bank built the industry digital finance The Bank connects with industrial internet platforms
as the Hua Xia Bank Data Governance Administrative Measures Technical Specification and regulatory requirements, the Bank
platform. owned by government departments, central
and the Hua Xia Bank Implementation Rules for Information tested bank-wide mobile app transaction software to identify and
enterprises, and industry leaders and associations,
The Bank empowers industry digitalization. System Data Management. eliminate hazards of authentication information management,
and embeds its financial services into platform
software security, etc.
scenarios.
Technological support Publicity and training
The Bank enhanced remote terminal authentication and The Bank carried out the annual training for information security
technological control over terminal security. officers and participated in the 2020 National Network Security
Publicity Week campaign.
Supporting the digital transformation of micro-, small and medium-sized enterprises
Planning and Personnel training Industry-specific Mobile administration Integrated financial
consultation services consultation service services services
The Bank provides The Bank provides Our e-banking app Our e-banking The Bank offers
consultation services training for IT or provides SME users app provides SME integrated financial
for IT or financial financial SMEs with enterprise users with mobile services online to
SMEs, covering on software information inquiry, administration SMEs, including
overall planning, development, system competitor risk services such as making appointments
architecture design, operation and monitoring, business attendance check, for account
system construction maintenance, and analysis report and administrative opening, account
and follow-up database, etc. other services. approval and management and
operations, etc. reimbursement. proxy charging and
payment, etc.
The Bank became one of the first co-initiators for Digital Transformation Partnership Action
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64 2020 Social Responsibility Report Hua Xia Bank Co., Limited 65
Improvement in Corporate Banking Services
The Bank deepened the integration of finance and technology, and promoted the transformation and development of corporate financial
service models. We provided industry- and sector-specific products and services, to create an interconnected business ecosystem for
corporate clients.
Building service platforms
Qiyue finance and asset
Mobile corporate Online corporate Platform
management
banking banking Express Pal
platform for cash management
The Bank launched 40 key The Bank launched the The platform serves over 300 The Bank completed modular
functions including e-receipt, e-receipt, online contract micro-, small and medium- and professional innovation
online reservation for account signing with suppliers, sized enterprises in a dozen upgrade, strengthened the
opening and Bluetooth corporate agreement of industries including platform’s user experience
shield, and optimized 273 deposit purchase, letter wholesale, retail and foreign and security, and provided
items in process remodeling, of confirmation requests, trade, and facilitates the platform merchants with more
experience interaction, etc., meeting the need for implementation of local professional, humanized and Zhang Jianhua, Deputy Party Secretary and President, visited Shenzhen Stock Exchange
etc. We used big data contactless services. e-government services and customized services. As of
to help corporate clients public wellbeing projects. the end of 2020, Platform
inquire about competitors’ Express Pal had provided
information, choose potential financial services to 151 As of the end of 2020
partners, identify business companies including Guangxi
Strategic cooperation
risks and expand business Exchange Depository and
The Bank continued to enhance service support for large central SOEs, local SOEs, balance of customer credit and
circles. Clearing Center and State
Grid E-commerce. listed companies, industry leaders, and fast-growing enterprises, and constantly investment financing businesses in the
Convenient services
deepened the “3-3-1-1” customer marketing and service strategy. The Bank selected 79 “3-3-1-1” white list had reached RMB
strategic customers at headquarters’ level.
685.033 billion, an
57.823
Product innovation Case
increase of RMB
Signing a strategic cooperation agreement with Shenzhen Stock
The Bank enhanced medium- and long-term
financing support for manufacturing enterprises
and launched annual-review loans exclusively
The Bank launched whole-lifecycle financial
products and services to support the incubation
and growth of technology companies, including
Exchange to support the growth of innovative enterprises
9.2
billion (
the year.
%) from the beginning of
The Bank signed a strategic cooperation agreement with Shenzhen Stock
for manufacturers, allowing them to renew loans the easy loan for start-ups, easy loan for high-tech
Exchange, with focus on IPO mentoring, technology and finance, etc., to support
without signing a new loan contract and paying the companies, corporate growth loan, and incubation
the growth of innovative startups, the development of strategic emerging
principal within five years. loan, etc.
industries, and the country’s “dual-circulation” development.
In 2020
22
Diverse
services our headquarters signed more headquarters clients (excluding financial
The Bank boosted innovation of financial products
for MSEs, and launched House Loan Express 5.0
To better serve foreign trade companies in China,
the Bank launched supply chain cloud accounts
institutions), including 18 corporate customers and 4 institutions (government
and logistics loans, etc. to meet diverse needs of and online contract signing functions for supply departments, associations, exchanges, etc.)
financing. chain businesses.
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66 2020 Social Responsibility Report Hua Xia Bank Co., Limited 67
As of the end of 2020
Expansion of service channels
Upgrading the Customer Experience
Adhering to customer-centric financial services, the Bank actively built a smart retail banking system to provide convenient, efficient
The Bank continued to expand its service coverage, optimized the layout and deepened
the transformation of banking outlets, and improved online product and service models. the Bank opened 1,022 branches
in total, covering all provincial capitals
122
financial services.
(except Tibet) and cities
above prefecture-level across the country
Intelligent services
The Bank officially launched the robo-advisory system in March 2020 to provide
customers with intelligent, professional and targeted financial services. 168 community sub-branches
1,149 self-service banking facilities
Retail service
Online services upgrade Refined services
The Bank developed a list of 32 personal financial The Bank improved the management system for
products to go online. Targeting online financial internet loans. In addition, the Bank enriched risk
services for individual borrowers, the Bank control dimensions and sources, significantly
launched the Hua Xia E Loan enhancing the risk identification, control
capabilities and business efficiency.
Beijing Branch provided warm services for customers
In 2020
the Bank opened 17 new banking
outlets
The Bank improved customer experience by smart machines The Bank’s first operating transformation lab was set up at Kunming Branch
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68 2020 Social Responsibility Report Hua Xia Bank Co., Limited 69
Building offline channels
Improvement in service quality and efficiency
Scenario-based and intelligent services at outlets
The Bank improved the service management system and enhanced service quality and
The Bank created a comprehensive As some service requests are efficiency, realizing higher customer satisfaction rate.
ecosystem that integrates financial diverted to the self-service
services, public services, public machine, the waiting time at the
education, salons, etc. outlet hall was shortened by Improving service standards
over 30%. The Bank continued to improve the service management system, strengthened personnel
More integrated More efficient training, and carried out supervision and inspection, striving to provide consumers with
better services.
Intelligent
outlets
The Bank issued service management The Bank enhanced the management of
evaluation standards to specify service the internal training team and provided
More intelligent More flexible
management methods. targeted training for employees.
By applying a variety of The Bank designed mobile and
technologies such as biometrics, modular service scenarios to
AI, and big data, the Bank communicate with customers
The Bank participated in the selection of The Bank provided customers with
connected equipment across through flexible forms. Guangzhou Branch’s library bank 24/7 uninterrupted financial services of
Demonstration Units of Responsible and diverse and high-quality services.
outlets and promoted customized offline outlets
Standardized Service in China’s Banking
products.
Sector.
As of the end of 2020 In 2020
the Bank installed with the rate of off-the-counter the monthly active users of
2,932 2.87
services to all businesses of our personal banking APP
the Bank reached increased by
intelligent counters in total intelligent counters per outlet 75 % 64.1 %
from the previous year
Building online channels
Enhancing service capabilities of online platforms
Mobile banking 5.0
With the goal of developing “fast, easy to use, good-looking, economical, and interesting”
APPs, the Bank would make iteration every one to two weeks. Case
The Bank improved the e-community service APP that supports localized applications
Contactless services
and vigorously promoted scenario-based marketing activities.
To meet customers’ needs
Personal banking
for contactless financial
The Bank enriched product functions, such as transfer of large-value deposits. services out of concerns
for COVID-19, the Bank
The Bank optimized the personal banking transaction process of the counter image front-
end system.
developed the Customer
Manager “Cloud Studio”,
Telephone banking a new portal for online-
offline integrated digital
With voice recognition and other AI technologies, the Bank upgraded the intelligent
services.
customer service robot system.
During COVID-19 prevention and control, work-from-home customer service staff were
assigned to ensure around-the-clock operation of the 95577 customer service hotline.
Parent-child activities for VIP customers of Xiamen Branch
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70 2020 Social Responsibility Report Hua Xia Bank Co., Limited 71
Valuing customer complaints
Protecting Customer Rights
Adhering to the people-centered service philosophy, we attached much importance
to complaint response in 2020. We offered unimpeded complaint channels, optimized
and Interests
the complaint response mechanism and analyzed complaints to improve the effect
The Bank attached great importance to the protection of consumer rights and interests, complied with regulatory requirements, and
of complaint response. Throughout the year, we received 29,771 complaints; the
comprehensively improved work quality and efficiency.
settlement rate of complaints reached 100% and the customer satisfaction rate for
complaint response reached 93.48%. Due to the COVID-19 pandemic, we received a
lot of complaints against credit card repayment, especially in Beijing, Jiangsu, Tianjin Intensifying basic management
and Hubei, etc. In response, we improved service standards and processes and flexibly
resolved complaints and disputes. In addition, the Bank worked to reduce complaints and We have incorporated the protection of consumer rights into corporate governance system and
improve customer satisfaction, safeguarding the legitimate rights and interests of financial strategy, and stepped up to advance and integrate consumer rights protection and consumer
consumers. services, to create a harmonious financial environment.
Enhancing institutional building Unblocking complaint channels
The Bank amended and issued the The Bank disclosed complaint response
Administrative Measures for Customer channels and processes through media
Complaint Response, clarifying customer and set up a special zone in outlets to
complaint response process and handle customer complaints.
verification processes.
Scan the QR code for
Regulating complaint response Supervising and guiding corrections more information about the
of key problems Bank’s efforts to protect
The Bank earnestly fulfilled the
consumer rights
responsibility of complaint handling, The Bank held the Bank-wide complaint
resolved financial disputes in a diversified analysis meeting, where typical
manner, and continued to improve complaints were analyzed and problems
the quality and efficiency of complaint of the Bank were rectified. Changsha Branch launched an education and publicity activity on the protection of
response. customers’ rights and interests
Improving complaint management
The Bank strengthened the top-level design for the protection
of consumer rights and interests, established the organizational
structure, institutions and systems, review mechanisms,
Serving groups of special needs As of the end of 2020 Institutional information disclosure mechanisms, supervision and inspection
building mechanisms, education and publicity mechanisms, training
The Bank provided considerate services for groups with special needs, including the
and complaint management mechanisms, and assessment and
elderly, military personnel and veterans, and migrant workers.
the Bank had 4.7438
elderly customers
million
evaluation mechanisms.
The Bank specified ex ante review specifications and regulated
outlets
864
set up reserved counters at Strengthening
whole-process
institutional review and other procedures.
The Bank tightened in-process control with a focus on tightening
the review of business and product-related items.
The Bank enhanced post-event supervision, strengthened
control
professional inspections, complaint analysis, and assessment
put in place accessible facilities at and evaluation.
913 outlets
The Bank formulated an annual training plan on consumer rights
protection.
Training The Bank carried out training and examinations on the protection
management of consumer rights and interests among middle-level and senior
managers as well as grassroots sales staff. The total number of
trainees reached 37,186.
Hangzhou Branch held the Caring for the Elderly Activity on Chongyang Festival
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72 2020 Social Responsibility Report Hua Xia Bank Co., Limited 73
In 2020
Financial education Ensuring financial security
The Bank actively participated in the investor and consumer education activities
organized by the People’s Bank of China (PBOC), China Banking and Insurance the Bank organized 18,416
public financial knowledge education
We have given high priority to financial security and employed
technological means to prevent information leakage. We
Regulatory Commission (CBIRC) and China Banking Association (CBA). The Bank strengthened financial security, guided customers to avoid
and publicity activities
continued to organize financial knowledge popularization and consumer education risks, and did what we can to recover their losses.
activities to improve customers’ understanding of financial products and services, raise benefited over
26,105,997
The Bank connected its anti-fraud platform with the anti-fraud
their awareness of risks, and help create a good financial ecosystem.
platform of the Ministry of Public Security to form synergy
against telecom frauds.
people with its public financial knowledge
education and publicity activities
handed out approximately Cracking down on frauds and building
3.2775
the anti-fraud system
million copies of
publicity materials to the public
Protection of
118,409
engaged over
employees in these activities
consumers’
property
Monitoring suspicious transactions
To mark the International Children’s Day, Urumqi Branch taught RMB basics to kids
We employed big data and machine learning technology to
Hua Xia Bank set up special columns on its official websites and other channels, and
effectively identify fraud risks and intervene in time.
opened public education areas at outlets. It also carried out a variety of online and offline
education and publicity activities.
In line with the regulatory requirements, the Bank conducted
comprehensive security checks of all software on our mobile
Case apps. We reshaped the privacy protection policy framework,
Internet-based financial knowledge popularization updated privacy policies on mobile banking, direct banking,
and mobile corporate banking, and conducted safety tests on
The Bank adopted the “Internet + Financial Knowledge” education and publicity mode to enhance consumers’ awareness of self- these apps.
preservation and capability to prevent and handle financial risks.
Enhancing information protection
Cloud-based Cloud-based Cloud-based
experience dissemination communication
of financial of financial on financial
services knowledge risks
Protecting
consumer
Shenzhen Branch organized Wuhan Branch disseminated basic Nanjing Branch organized an online privacy
online live-streaming of its financial financial knowledge to consumers situational quiz and other activities
services. Its staff acted as live staying at home through online to teach consumers to analyze and
streamers to introduce to viewers seminars, online service salons, and stay vigilant against financial risks. Improving risk management capability
its anti-coronavirus measures and other activities on the cloud. It also
special service arrangements in exposed typical fraud cases to help
response to the pandemic. customers avoid frauds.
The Bank formulated the emergency plan for online financial
services, and improved the emergency plan for customer
service hotlines.
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76 2020 Social Responsibility Report Hua Xia Bank Co., Limited 77
As of the end of 2020
Devoting More Efforts the Bank’s balance of green loans had
to Green Finance reached RMB
Aligning with national banking policies, we have introduced capital and advanced
180.043
billion
concepts from overseas, and dedicated resources and a team to stimulate innovation in
products and theories, while exploring a development path with special characteristics an increase of RMB
for green finance.
Establishing the Green Finance Management Committee to coordinate
60.89
billion
The Head
green finance-related businesses across the Bank; establishing the
Office Green Finance Center to promote the business of green finance
increased
Branches
Setting up leading groups and specialized teams headed by branch
leaders to coordinate and promote the green finance business
51.1 %
over the beginning of the year
Pushing forward the green finance pilot program and setting up note: the value of increase and rate of
Outlets dedicated green finance branches and marketing departments with increase are calculated based on the A rendering of an industrial waste treatment center project financed by the Bank
designated personnel responsible for green finance-related work data adjusted in accordance with the
Statistical Methodology for Green Loans
revised by the People's Bank of China in
December, 2019
Developing green credit equivalent to saving Case
We earnestly followed national policies for the industries and environmental protection 1.457
million tons of standard coal
Supporting water environment improvement projects
and financial regulatory requirements, and strictly tightened up credit granting in The Comprehensive Water Environment Improvement Project of an environmental
industries that cause high pollution, high consumption, and overcapacity. On the other governance company in Wuxi is responsible for desilting and building revetments
equivalent to saving
hand, we channelled more financial resources into sectors that contribute to green, along 11 river courses in Wuxi City. Wuxi Branch granted the project a special
low-carbon, and sustainable development, especially green credit to such areas as
energy conservation, environmental protection, clean energy, and green transportation,
10.9499
million tons of water
loan of RMB 400 million in its early stage, followed by another RMB 100 million
working capital, effectively alleviating the financial pressure of the company and
enhancing local flood control and drainage capabilities to the regional water and
providing financial support for the development of green industries and enterprises.
residential environment.
Case
Supporting industrial waste treatment
Shenyang Branch granted an environmental service company a two-year RMB
390 million fixed-asset loan to build the Huludao Industrial Waste Treatment
Center. After completion, the Center will be able to process 92,500 tons of
industrial waste per year, effectively reducing pollution caused by industrial waste
and improving local production and living environment.
A wind farm project financed by the Bank
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78 2020 Social Responsibility Report Hua Xia Bank Co., Limited 79
Innovative green products Practicing ESG concept In 2020
We developed a series of products for contract energy management financing and With ESG as the clear focus of our investment strategy, we have developed ESG the Bank launched
emissions trade financing, and explored to provide the government and key energy-
consuming enterprises with integrated services of energy diagnosis, energy planning,
strategies and databases, issued ESG-themed wealth management products, and so on
to practice the ESG concept. 27
issues of ESG-themed wealth
energy transformation, and green finance. A product system of green credit, green lease,
We formulated the Measures of Hua Xia Wealth Management Co., Ltd. for ESG management products
green investment, and green debt-financing underwriting tools has been built, covering
energy efficiency financing, clean-energy financing, environmental-protection financing, Management (Trial), compiled the Hua Xia Bank ESG Evaluation System, held the
raised RMB
8.727
and green equipment supply chain financing. In 2020, we launched collective financing Second Summit on ESG Investing in China Asset Management Industry, and released
for green projects to accelerate the approval and improve customer service capabilities. the 2020 Status Report - ESG Investing in China Asset Management Industry.
billion
As of the end of 2020
Case As of the end of 2020
including Official launch of the ESG indexes
the ESG-themed wealth management
RMB RMB products under management amounted
7.233 1.6
On April 8, 2020, China Securities Index Co., Ltd. announced the release of the
to RMB
18.29
CSI Hua Xia Bank ESG Index and the CSI ESG120 Strategy Index developed
by the Bank. The two indexes, officially launched on April 30, are two of the first
billion in green bonds billion of investment in industrial funds
indexes developed based on the “ESG Evaluation System”, a proprietary system
billion in total
RMB RMB of China Securities Index.
the Bank’s balance of green
investment had reached RMB
920
million in green bills
450
million in interbank asset equity rights
These two indexes are fruits of our active contribution to the development of the
capital market. Centering on the CSI Hua Xia Bank ESG Index and the CSI ESG120
10.673 USD RMB Strategy Index, we will develop more net-worth wealth management products to
57 97
promote ESG investing in China.
billion
million of bonds in foreign currencies million in asset-backed securities
Case
Issuing RMB 10 billion of green bonds
In April 2020, the 20 Hua Xia Bank Green Finance 01, the first issue of Hua Xia
Bank’s green bonds in 2020, was listed in the National Interbank Bond Market to
raise RMB 10 billion for green industrial projects, with a three-year fixed rate.
As of the end of 2020, the bond had invested in 63 projects from areas of energy
conservation, clean transportation, clean energy, environmental protection and
climate change adaptation, pollution control, as well as resource-saving and
recycling.
Held the Second Summit on ESG Investing in China Asset Management Industry 2020 Status Report - ESG Investing in China
Asset Management Industry
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80 2020 Social Responsibility Report Hua Xia Bank Co., Limited 81
As of the end of 2020 Awards
Case
Supporting the Coastal Afforestation Project Phase II in Xiangshui
the Bank had introduced USD The Bank won another award of the Best
County
1
Bank for Green Energy Development
issued by Global Finance
We have invested RMB 944.26 million in the 4,493-hectare Project through the
World Bank’s on-lending solutions to support the Coastal Afforestation Project
billion of foreign capital through on-lending The Bank won the 2020 IFF Global Green
in Xiangshui County. The Project is expected to improve the local coastal
programs Finance Innovation Award, becoming the
environment and disaster resilience, protect the people’s lives and properties, and only financial institution in the banking
promote sustainable coastal socioeconomic development. sector to win the award
cumulatively issued RMB
10.7
billion of credit loans in home and foreign
The Project adds more than RMB 2 million per year to the fixed income of the 412
local households, significantly improving their living standard. Besides, poverty-
stricken residents were hired as forest rangers with a stable source of income. The
currencies Project was praised by the local government, regulatory authorities, enterprises,
and residents alike.
A container-based peak-shaving and valley-filling electrochemical energy storage power station
provided financing services for
project financed by the Bank
Deepening international cooperation
95
projects in 17 provincial regions across
Improving management standards
the country
We maintained close cooperation with international organizations such as the Agence Actively benchmarking against international practices, the Bank has become China’s first
Franaise de Développement (AFD), the Asian Development Bank, and the International saving financial institution to apply the World Bank’s Environmental and Social Framework (ESF)
Green Economy Association. In 2020, we actively pushed forward the World Bank’s
China Renewable Energy and Battery Storage Promotion Project and steadily advanced
its Innovative Financing Project for Air Pollution Control in the Beijing-Tianjin-Hebei
3.63
million tons of standard coal annually
and has established the On-lending Environmental and Social Management System
(ESMS).
Region and other on-leading projects. Through these projects, we tried to meet Fostering green culture
international standards in terms of policy-making expertise, and project management
and execution. cutting CO2 emissions annually by
8.87
Through capability building, publicity and education, and exchanges, we advocated
Case and fostered the corporate culture of green finance, injecting cultural vitality into the
development of the Bank’s green finance.
China Renewable Energy and Battery Storage Promotion Project kicks million tons
off its first sub-project
The China Renewable Energy and Battery Storage Promotion Project we co- cutting SO2 emissions annually by The Bank carried out marketing activities for green finance brands. A total of 33
28,300
launched with the World Bank is the largest of its kind under the World Bank and large- and medium-sized green finance publicity activities were held by our branches
the first in China dedicated to financing energy storage. The investment totals throughout the year. We compiled a collection of 16 green finance marketing cases that
USD 750 million, of which USD 300 million comes from the World Bank and USD are highly innovative and have strong social influence.
450 million from Hua Xia Bank in the form of equivalent RMB loans. The money is tons
used to support energy storage (excluding pumped-hydro storage) projects and
projects for the innovative utilization of renewable energy. It helps enhance the cutting NOX emissions annually by The Bank prepared a series of training courses for renewable energy and on-lending
28,000
integration and utilization rate of renewable energy nationwide.
programs, issued the list of green finance marketing priorities of the year, and conducted
industrial research on urban energy, wind power, photovoltaic power, and green building,
In August 2020, the loan for the first sub-project – the energy storage project of
etc. A learning materials system has been preliminarily built across the Bank, covering
a beer company in Guangdong, was granted to build a container-based peak- tons macro-economic situation, green finance policies, updates and analyses of key industrial
shaving and valley-filling electrochemical energy storage power station.
policies and trends, and implementation rules for business handling and risk prevention.
Case
The Bank delivered 4 bank-wide green finance training sessions and held the Youth
Steadily advancing the Innovative Financing Project for Air Pollution Development Forum on Green Finance.
Control in the Beijing-Tianjin-Hebei Region
As of the end of 2020, the Innovative Financing Project for Air Pollution Control in
the Beijing-Tianjin-Hebei Region, the most expensive anti-pollution project between The Bank actively publicized the green finance business of the Bank. The promotional
China and the World Bank, had deployed 28 sub-projects and invested RMB 4.633 video of the Bank’s green finance brands was broadcast on CCTV 1 and CCTV 9 during
billion in pollution control, equivalent to saving 1.16 million tons of standard coal prime time. Our green finance brand “Green Growth for a Better Hua Xia” has earned
and reducing 2.56 million tons of CO2 emissions per year. recognition from the market with increasingly strong brand influence.
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82 2020 Social Responsibility Report Hua Xia Bank Co., Limited 83
Services for Green Lifestyles Practicing Green Operation
Supporting green travel As of the end of 2020
Green office
We actively promoted ETC business and continuously improved the ETC quality. We the Bank had signed Attaching great importance to our environmental impacts, we promoted green office throughout the Bank, striving to reduce resource
have rolled out discounts for ETC users, striving to encourage users to use ETC and
facilitate green transportation. 2,440,100
ETC service users
consumption, improve energy efficiency, and cut pollutant discharges. We implemented low-carbon operations across the board and
promoted green development.
Offering more professional services Upgrading information services Lower energy consumption Paperless services
an increase of
The Bank strengthened training and The Bank launched an SMS push function Strictly following air-conditioning temperature control Adopting centralized printing and carrying out all over-the-
assessment of the marketing staff and
developed service solutions targeting
customers’ greatest concerns and sore
spots, so as ensure customers’ right to
for ETC business, upgraded the fee
deduction messaging system for the ETC
business according to the requirements
of the Highway Monitoring & Response
169,400
over the end of the previous year
requirements, using intelligent lighting systems, and
switching off unnecessary lights to reduce energy
consumption
counter service in a paperless manner to reduce resource
consumption
know. Center of the Ministry of Transport, and
allowed ETC customers to search for the
details of charges. Water conservation Green sourcing
issued
3,256,200
ETC services Encouraging employees to turn off the tap after using and Promoting the use of the electronic centralized sourcing
report any cases of water leakage platform and factoring environmental protection and CSR
performance into supplier selection
new ETC cards
compared with manual toll collection, for an ordinary light vehicle, the use of ETC
reduces
increase Garbage sorting “Empty plate” campaign
128,700 Promoting and encouraging garbage sorting and Encouraging the staff to practice the “empty plate”
16.4 % 71.2 % 71.3 % 48.9 %
centralized garbage collection, and assigning garbage campaign and packing up leftovers to avoid waste of food
sorting officers at busy floors and time periods
over the beginning of the year
NOX emissions by CFCs by CO by CO2 by 4.12
an increase of
%
Water consumption of theHead Office (ton) Electricity consumption of the Head Office (kWh)
Promoting paperless services
2018 41,410.6 2018 41,695,542.3
As of the end of 2020, all our over-the-counter services were paperless. To promote the 2019 40,809.6 2019 47,169,874.84
2020 33,193.13 2020 51,340,078.62
use of electronic certificates, we restructured the over-the-counter service process, and
offered certificates, customer signatures, and bank seals in electronic forms, reducing
paper consumption while improving the efficiency of over-the-counter services.
Fuel consumption of company vehicles of
the Head Office (liter) Paper consumption of the Head Office (ton)
In 2020 2018 39,812.63 2018 28
2019 30,149.86 2019 20.52
the Bank handled equivalent to cutting CO2 emissions by
2020 24,607.26 2020 20.83
1,147,192,600 2,294,400
requests for e-services tons
98.21 %
of the services were handled via the
main e-channels
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84 2020 Social Responsibility Report Hua Xia Bank Co., Limited 85
Environmental protection activities
We actively raised employees’ awareness of environmental protection and resources
conservation, and encouraged employees to play their due role in the building of a green
and beautiful China.
Case The “Garbage’s Fun Travel” garbage sorting
awareness activity organized by Nanjing Branch
Responding to the “Garbage Sorting at SOEs” campaign
launched by the State-owned Assets Supervision and
Administration Commission of Beijing Municipality
The Head Office and Beijing Branch signed the Commitment
Letter on Household Waste Sorting with employees, and
strengthened employees’ self-discipline and the mutual
supervision between the Bank and the community. We mobilized
employees to register on the “BVF” (“ 志愿北京 ”) mini-app on
WeChat or at the neighborhood committee as garbage sorting
volunteers. As of October 12, 2020, 3,885 employees, or 100% of Classified dust bins in the Head Office for centralized garbage The tree planting activity of Chengdu Branch The brisk walk activity of Guiyang Branch for
the total, had signed the Commitment Letter on Household Waste collection promoting low-carbon transportation
Sorting, and 1,583 employees, more than 40.75% of the staff, had
registered as volunteers.
A garbage sorting promotion meeting at the Head Office The environmental protection activity of Wenzhou Branch on the World Environment Day
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88 2020 Social Responsibility Report Hua Xia Bank Co., Limited 89
In 2020
Full Compliance in
Operations 3,304
compliance education sessions:
The Bank promoted fully law-based and compliant operations. We worked to improve the
internal control and compliance management mechanism and the business management
processes and systems, ensuring that all our operations are carried out according to
related regulatory requirements. 152,334
participants in the compliance
education:
Improving the internal control system
We have strengthened the awareness of “compliance for value creation,” improved
the internal control system and consolidated the basis for compliant operations, which
255 Zhang Jianhua, Deputy Party Secretary and President of Hua Xia Bank, presided over the meeting on re-examinations
strongly supported the Bank’s high-quality development. training sessions or lectures on
anti-financial crimes: Case
Restoring the order of the market through re-examinations
35,048
Improving the performance appraisal mechanism
The Bank formulated the Measures for the Evaluation of Legal Compliance Management of
In line with the Notice on Carrying out Re-examinations of the Rectification of Market Chaos in the Banking and Insurance
Branches to strengthen the evaluation of legal compliance of branches and the application
Industries issued by China Banking and Insurance Regulatory Commission, the Bank organized self-examination and self-
of assessment methods. participants in the training sessions or
lectures on anti-financial crimes: rectification across the board.
1,210
Cooperation of The Bank set up a leading group, formulated work plans. We As the main responsible bodies, our business divisions stay
stressed the primary responsibility of the chief leaders, and Business oriented toward problems and risks. We improved the quality
the Head Office
Improving the inspection system and branches ensured that all responsibilities are effectively performed at divisions and efficiency of inspections, and identified and eliminated risks
every level. in time.
The Bank formulated the Administrative Measures for On-site Inspection of Legal
Compliance and revised the Administrative Measures for Specialized Inspection training sessions on anti-money The Legal
laundering: The department strengthened in-process control and
Coordination to clarify the content of on-site inspections and the requirements for special Compliance
supervision, conducted inspections and continuously promoted Audits The Bank earnestly strengthened audits and supervision of re-
Department of examinations of rectification effect.
inspections by specialized departments. re-examinations of the rectification effect.
the Head Office
Enhancing the quality and efficiency of rectification
98,710
participants in the training sessions on
The Bank formulated the Standards for Checking Rectifications of Problems Identified in anti-money laundering:
Inspections from Inside and Outside to clarify the standards for credit and quasi-credit
Promoting the rule of law
businesses as well as accounting, thus ensuring accurate and effective rectification.
The Bank actively enhanced employee awareness of the rule of law, management of legal affairs, and control of legal risks, striving to
promote compliant operations across the Bank.
Enhancing due diligence Building corporate culture that
promotes the rule of law Control of legal risks
The Bank revised the Administrative Measures for Due Diligence on Credit Granting and the
Standards for Due Diligence on Credit Granting to show zero tolerance for incompliance We organized lectures on relevant laws A list of responsibilities was made to promote
and serious violations of rules. and regulations to enhance employees’ law-based governance and management
legal literacy and ability of applying legal of legal risks. Based on regular reports on
knowledge to solving business problems. legal risks, we continued to track, guide, and
evaluate legal risk management.
Tomarkthe124NationalConstitution
Tightening punishments for violations
Day and the Constitution Week publicity The Bank strengthened guidance for legal
campaign, we organized the review of the risk control, summarized the impacts of the
oath of allegiance to the Constitution and Management of legal affairs Civil Code on our businesses, and compiled
The Bank revised the Administrative Measures for Punishing Violations, the Working
quizzes about the Constitution. a collection of cases of financial crimes
Rules for Punishing Violations, and detailed rules for punishing violations in specialized We upgraded the legal affairs management committed by banking practitioners.
businesses, to further tighten the punishments for violations, especially repeated violations. Throughout the year, we organized 190 system based on technological means
training sessions on the rule of law. to regulate management and improve The Bank integrated legal services and
efficiency. strengthened the legal risk management
system.
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90 2020 Social Responsibility Report Hua Xia Bank Co., Limited 91
加强反洗钱管理
Strengthening AML management Strengthening case risk prevention and control
The Bank continued to improve the internal control system and operating mechanisms, stepped up to guard against risks in high-risk The Bank maintained a tough stance against financial criminal cases. We carried out in-depth case-based warning and education, and
businesses, and organized training and publicity activities to improve the effect of AML work. intensified checks for case risks and employee conduct management to resolutely forestall risks related to financial criminal cases.
The Bank identified goals and measures for case risk prevention and control work, saw
Improving working mechanisms Conducting publicity activities
to that responsibilities were effectively implemented at each level, and strengthened the
Strengthening management of key points and weaknesses.
The Bank made policies to manage risks of money laundering The Bank compiled scenario-based cases about money
case risk
prevention and
and terrorist financing and built a laundering risk management laundering crimes, such as telecom fraud, and enhance control The Bank defined four dimensions of case risk prevention and control, screened case risks
framework. related publicity through its outlets, activities, and media on a quarterly basis, and increased checks on organizations with severe regional risks,
The Bank revised policies on the risk assessment and platforms. multiple problems, and weak internal control management.
customer classification for money laundering and terrorist The Bank continued to enhance the public’s AML awareness,
financing and on monitoring of accounts suspected, and and carried out publicity activities centering on money
strengthened AML management. laundering, terrorist financing, and other illegal activities.
In line with the Guiding Opinions of the General Office of the China Banking and Insurance
Regulatory Commission for Preventing Illegal and Criminal Financial Activities Carried out
Enhancing technical support Tightening risk management and control
Strictly by Banking and Insurance Practitioners, we conducted self-examination and developed
preventing illegal and implemented preventive measures.
The Bank optimized the AML working platform, restructured The Bank closely tracked high-frequency money laundering
and criminal
financial activities
the customer money laundering risk assessment model, behaviors, pointed out risk features in time, and tightened of banking
and strengthened risk management in areas vulnerable to transaction monitoring and management of high-risk accounts, practitioners The Bank issued the risk warning of Protect Customer Information and Effectively Prevent
laundering risks. effectively blocking the flow of criminal funds. Risks.
The Bank applied AI technology to optimize monitoring rules
for suspicious transactions that have violated rules frequently,
so as to improve the ability of intelligent monitoring.
Increasing
checks on The Bank conducted special investigations into employees’ illegal inquiries and other illegal
employees behaviors, analyzed early warnings given by the employee account monitoring system, and
with abnormal strengthened the management of investigation, rectification and accountability process.
behaviors
The Bank formulated the Code of Conduct for Employees and organized training and
education on compliance and prevention of financial criminal cases.
Carrying out
training and
education on
financial criminal
cases The Bank popularized financial knowledge to the public and raised customers’ alert against
financial risks.
Maintaining a
harmonious and The Bank launched dedicated campaigns to crack down on gang crimes and illegal
stable financial fund-raising and loan granting. We stepped up the monitoring and analysis of suspicious
environment transactions, and assisted judicial organs to block the flow of criminal funds.
Enhancing the protection of intellectual property rights
The Bank strictly abided by laws and regulations on intellectual property rights (IPRs) protection. We have put in place administrative
measures and a structure for IPR management. While protecting our own IPRs, such as trademarks and patents, we systematically
AnAMLpublicityactivityofNanningBranch
regulated the use of IPRs owned by others, to avoid the risk of IPR infringement.
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92 2020 Social Responsibility Report Hua Xia Bank Co., Limited 93
As of the end of 2020 Deepening comprehensive risk management
Strengthening Risk
Management 1.80 %
We worked constantly to identify, measure, monitor, and control risks in operation and management, eliminated risks in key businesses,
improved comprehensive risk management, and ensured effective risk management.
theNPLratioamountedto
The Bank emphasized comprehensive risk management. While implementing the
The Bank implemented economic and financial macro policies and regulatory requirements, made credit,
Comprehensive Risk Management System Reform Plan, we enhanced institutional
development for risk management, and systematically enhanced our ability to forestall 147.22 % investment, and financing policies more forward-looking and adaptable.
The Bank stressed the fulfillment of responsibilities and strengthened risk management for key businesses,
and defuse risks across the board, in a bid to provide reliable support for the sound, theallowance-to-NPLratioreached areas, and products.
The Bank adopted multiple methods to dispose of troubled assets faster to ensure the quality of assets.
balanced, sustained and rapid development of all businesses of the Bank.
The Bank launched online valuation of collateral in the form of residential property, improving valuation
efficiency at less costs.
Improving the risk management system Credit risk The Bank adjusted credit and financing policies to guarantee differentiated support for the development of
management
manufacturers and MSEs in key regions.
In 2020, the new risk management framework was fully implemented. We integrated The Bank optimized the credit system and the collateral management system, and worked faster to develop
and optimized the organizational structure, division of responsibilities and allocation of and mapping of the large-sum risk exposure system, etc.
personnel for risk management. In addition, eight mechanisms were put in place, namely
the authorization management mechanism, the approval management mechanism, the
risk manager mechanism, the special-asset operation mechanism, the accountability
mechanism, the mechanism of putting all things under centralized management by The Bank optimized the market risk quota system and the management process to improve the effectiveness
specialized departments, the technology empowerment mechanism, and the risk culture of quota control.
mechanism, covering key processes and links of risk management. The Bank strengthened the analysis of key businesses and early warnings, and assessed the impacts of
market fluctuations and other major events in a timely manner.
The Bank improved the system for managing credit risks of counterparties and strengthened risk management
for derivatives.
Market risk The Bank implemented regulations on market risk management in Basel II, calculated the capital requirement
management for market risk based on the revised Standardized Approach, and pushed forward the market risk consulting
The Bank evaluated and adjusted risk preferences, The Bank revised the Risk Reporting Management project under Basel II.
formulated a risk management strategy accordingly, Measures to optimize and integrate the content and
and clarified risk control objectives for the year. process of risk monitoring.
The Bank revised the Administrative Measures for Business Continuity, the Master Contingency Plan
for Business Continuity and the Specifications for the Compilation of the Contingency Plan for Business
Continuity.
The Bank enabled the Risk Management and Internal The Bank made public the results of risk monitoring
Control Committee, Credit, Investment and Financing and evaluation, and improved the notification and The Bank sorted out relations between primary or secondary businesses and information systems, defined
Policy Committee, and Asset Risk Disposal Committee transmission of risk management information. the scope of key information systems, and enhanced their applicability and disaster resilience, to avoid any
to fully play their roles to improve the quality and
effectiveness of their deliberation and decisions. business interruptions caused by their failure.
The Bank strengthened the regulation over drills and organized more practical drills more regularly. We
Business continuity
management
conducted47drillsineightscenariosthroughouttheyear.
Focusing on comprehensive risk evaluation at branches,
performance appraisal of regional chief risk officers,
and assessment of the effect of credit, investment and
financing policies, the Bank continued to improve risk
management.
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94 2020 Social Responsibility Report Hua Xia Bank Co., Limited 95
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96 2020 Social Responsibility Report Hua Xia Bank Co., Limited 97
Promoting democratic management
Protecting Employee Rights The Bank improved democratic management in the basic forms of the Employees’
Congress. We disclosed corporate information, and offered unimpeded channels for
In strict accordance with relevant laws and regulations, including the Labor Law and
employee communication, interest coordination and rights protection. Through our
the Labor Contract Law, the Bank earnestly protected employee rights and worked to
intranet, official WeChat account, bulletin boards, and electronic screens, we promptly
establish harmonious and stable labor relations.
announced major decisions concerning the vital interests of employees and the
direction of corporate reform and development, and had equal dialogues and shared
Promoting equal employment development achievements with employees.
Complying with the Law on Promotion of Employment and other relevant laws and In 2020, the Employees’ Congress elected the new Board of Supervisors, voted and
regulations, we provided employees with equal employment opportunities. We resolutely approved the Bank’s Collective Contract, and revised the Interim Measures for the
opposed any type of employment discrimination and treated employees fairly and Disclosure of Corporate Affairs of the Head Office. We effectively protected employees’
equally regardless of their nationalities, races, ages, genders, religious beliefs, and rightstoknow,participate,deliberate,andsupervise,andwonthetitleoftheNational
cultural backgrounds. Model Unit of Corporate Information Disclosure and Democratic Management in 2020.
In 2020 In 2020
labor contract signing rate: social insurance coverage rate: the Bank received adopted and implemented organized participated by
100 % 100 % 1,327
rational suggestions
100
of them
% 347
staff meetings
5,986
first-line employees
held which were participated by solicited
153
employees’ congresses
7,319
employee representatives
264
proposals
As of the end of 2020
1.58 %
56 and above
11.48 %
46 – 55
13.74 %
Master’s
21.94
degree
or higher
39,284
the Bank had a total of
%
Junior college or lower
29.15 %
57.79 %
35 and below
36 – 45
employees
64.32 %
Bachelor’s degree
6,931 51.14 % 1,785 breakdown of employees breakdown of employees by age
were new were female were from ethnic by education background
minority groups
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98 2020 Social Responsibility Report Hua Xia Bank Co., Limited 99
Supporting the Development of Employees Caring for Employees
We cared about the development of employees and offered them unimpeded development channels. We developed a tiered talent
Enriching cultural and sports activities
reserve, worked hard to improve employees’ job skills and competencies, and offered platforms for the rapid growth of employees at
different levels and positions to support their career development and realizing personal value. We cared about the cultural life of employees, and organized diversified cultural and sports
activities to provide platforms for employees to show their talents, prove themselves, and
cultivate their sentiments. We encouraged employees to live a healthy and positive life and
continuously enhanced their cohesion and team spirit.
Scan the QR code to
know more about loving
stories of
Hua Xia Bank
The Head Office organized employees to carry out activities Group activity of the Employee Yoga Association of
in Yucun, the birthplace of the "two mountains" concept Hong Kong Branch
Li Minji, Party Secretary and Chairman of Hua Xia Bank delivering a speech Retail business training for branch managers
on the 10th Youth Development Forum
In 2020
the Bank organized
Training resources
4,365
We have improved the training system and built training GuiyangBranch’s2020NewYearGala Harbin Branch co-workers’ visit to the Memorial Hall of
the War to Resist US Aggression and Aid Korea
base to improve the quality and efficiency of training.
training sessions
We have delivered live-streamed lectures through mobile
Training channels learning platforms and APPs, and built a three-dimensional for
370,748
training network.
Training methods We have offered different levels of training for employees participants
of different levels and positions.
including
979
CSR training sessions
for
The 2020 Brand Communication and
Management Training of the Head Office
The 2020 Comprehensive Ability Improvement
Workshop of Hangzhou Branch
81,885
participants
Haikou Branch organized fun games for employees and their families
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100 2020 Social Responsibility Report Hua Xia Bank Co., Limited 101
Building the home of employees In 2020 Helping employees in need In 2020
The Bank continued to upgrade the Home of Employees where employees could learn, the Bank opened The Bank set up an employee relief fund and sent representatives to visit employees the Bank helped
seek entrepreneurship opportunities, exercise their democratic rights, and feel happy
and cared for. The Home of Employees has fitness equipment, TV sets, reading space, 892
Homes of Employees
in difficulties and bring them care. We offered unimpeded channels to deliver aid
to employees in need, and expressed sympathy in various forms, to enhance their 648
employees in need
lounges, etc. It is a place where employees can relax themselves and communicate with wellbeing and sense of belonging.
each other.
including distributed RMB
87
Model Homes of Employees
1.2681
million of living allowances
RMB
989,400
of medical subsidies
RMB
1.0648
million of disaster relief subsidies
Wuxi Branch visited and sent greetings to a hospitalized employee
Caring about the health and development of female employees, the Bank offered them
special health examinations regularly, organized various theme activities and symposiums
for them, solicited their opinions and suggestions, and made sure their concerns were
The brisk walk activity of Lanzhou Branch Themed Party Day activities for employees of Guangzhou Branch
addressed effectively.
The nursing room of Kunming Branch
The Head office employees participate in table tennis activities The Women’s Day dancing activity of Tianjin Branch The nursing room of Shanghai Branch
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102 2020 Social Responsibility Report Hua Xia Bank Co., Limited 103
Building a Harmonious
and Beautiful Society
Through Joint Efforts
Enthusiastic about public welfare, the Bank actively promoted the volunteer spirit and Hohhot Branch organized poverty alleviation charity
activity
continued to carry out volunteer activities on a regular basis and contribute to social
civility and harmony.
Case
The Imperfect Music Hall public welfare activity
InNovember2020,“TheImperfectMusicHall”H5projectcreatedbyHangzhou
BranchinpartnershipwithTencentwasofficiallylaunched.Theprojectselected25
children with psychological and physical impairments to form the “Imperfect Band” Beijing Branch organized employees to learn flower art Jinan Branch organized employee development activity
and express their inner world through music. The project was marketed both online Scan the QR code to
and offline. As of the end of 2020, the activity had won the attention and support over know more about “The
20,000 people. Imperfect Music Hall”
Case
Hua Xia Bank Scholarships and Grants Program helps needy student
complete higher studies
In May 2020, the Bank and China Foundation for Development of Financial
Education jointly initiated the Hua Xia Bank Scholarships and Grants Program,
aiming to support beneficiaries to complete their studies in college. The beneficiaries
are college students from poor families studying at Lanzhou University, Lanzhou
University of Finance and Economics, and so on, contributing to poverty alleviation
through educational support.
Xiongan Branch organized Party branch activity
Hua Xia Bank Scholarships and Grants Award Ceremony of Lanzhou University
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104 2020 Social Responsibility Report HuaXiaBankCo.,Limited
Hua Xia Bank Co., Limited 105
Practicing the mission and serving Promoting FinTech innovation and co- Coping with climate change and
the real economy creating a better life building a beautiful homeland
In response to major national development We will speed up digitalization, empower We will continue to improve our green
Outlook
strategies, such as the coordinated businesses with technological innovation, financial service system, strengthen
development of Beijing-Tianjin-Hebei and provide customers with high-quality international cooperation in green finance,
region, the integration of the Yangtze and efficient financial services. We will practice ESG investment, support green
River Delta Region, and the construction protect the legitimate rights and interests and low-carbon development and the
The year 2021 marks the centenary of the founding of the CPC, the launching of a new of employees, emphasize employee care, creation of a circular economy, and
of the Guangdong-Hong Kong-Macao
journey towards building a modern socialist China in all respects, and the first year of the and grow together with employees. We will facilitate the realization of the targets of
Greater Bay Area, we will support the
Bank’s renewed five-year development plan. We will continue to follow the guidance of Xi carry out financial knowledge education peaking carbon emissions by 2030 and
transformation and upgrading of industrial
Jinping Thought on Socialism with Chinese Characteristics for a New Era, and assume and publicity, devote to public welfare realizing carbon neutrality by 2060. We
structure, China’s opening up process, the
our economic, social and environmental responsibilities more firmly and proactively. We undertakings, and join hands with the will pay attention to our impacts on the
development of private enterprises, and
will keep forging ahead, and strive to develop into a modern financial group that is “large people to create a better life. environment, fully practice green office,
other important areas of the real economy.
and strong, stable and excellent”. promote green procurement, devote to
Besides, we will vigorously promote rural
revitalization, the innovation of financial environmental protection-oriented public
products and service models, continue to welfare activities, and push forward
increase the coverage of and customers’ ecological progress.
satisfaction for our financial services
targeting small and micro enterprises,
and usher in a new era of high-quality
development of the real economy.
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106 2020 Social Responsibility Report Hua Xia Bank Co., Limited 107
Appendix
Reporting Index
GRI Content Index
Standard number and description Page Note Standard number and description Page Note
GRI 101：Foundation 102-40 List of stakeholder groups P13
GRI 102：General disclosures 102-42 Identifying and selecting stakeholders P12-13
Stakeholder engagement
102-1 Name of the organization P8 102-43 Approach to stakeholder engagement P13
102-2 Activities, brands, products, and services P8 102-44 Key topics and concerns raised P12-13
102-3 Location of headquarters P8 102-45 Entities included in the consolidated financial statements P1
102-4 Location of operations P8 102-46 Defining report content and topic Boundaries P1
102-5 Ownership and legal form P8 102-47 List of material topics P12
Organization profile 102-6 Market served P8 No
P106-108
P8
102-48 Restatements of information information
102-7 Scale of the organization
is restated.
102-8 Information on employees and other workers P8
There were
102-11 Precautionary Principle or approach P86-93 no major
P11 P106-108
changes
102-12 External initiatives 102-49 Changes in reporting
in topics
102-13 Membership of associations P11 Reporting practices disclosed in
P4-7
the report.
102-14 Statement from senior decision-maker
Strategy P1
P4-7
102-50 Reporting period
102-15 Key impacts, risks, and opportunities
P1
P8, P11
102-51 Date of most recent report
102-16 Values, principles, standards, and norms of behavior
Ethics and integrity P1
P11
102-52 Reporting cycle
102-17 Mechanisms for advice and concerns about ethics
P1
P9
102-53 Contact point for questions regarding the report
102-18 Governance structure
P106-108
P11
102-54 Claims of reporting in accordance with the GRI Standards
102-19 Delegating authority
102-55 GRI content index P106-108
P11-17
102-20 Executive-level responsibility for economic, environmental,
and social topics 102-56 External assurance P111-112
P12-13 P12, P32-57
102-21 Consulting stakeholders on economic, environmental, and
103-1 Explanation of the material topic and its boundary
social topics GRI 200 GRI 103
Economic Management 103-2 The management approach and its components P32-57
P9
102-22 Composition of the highest governance body and its
topics approach
P32-57
committees
103-3 Evaluation of the management approach
P4-5
P15
102-23 Chair of the highest governance body
201-1 Direct economic value generated and distributed
Governance GRI 201 Economic
P9
102-26 Role of highest governance body in setting purpose,
P74-85
values, and strategy performance 201-2 Financial implications and other risks and opportunities due
to climate change
P11-13
102-29 Identifying and managing economic, environmental, and
social impacts GRI 203 Indirect economic 203-1 Infrastructure investments and services supported P32-57
102-30 Effectiveness of risk management processes P92-93 impacts 203-2 Significant indirect economic impacts P32-57
102-31 Review of economic, environmental, and social topics P11-13 103-1 Explanation of the material topic and its boundary P83
GRI 204 GRI 103
102-32 Highest governance body’s role in sustainability reporting P11 Procurement Management 103-2 The management approach and its components P83
practices approach
102-33 Communicating critical concerns P13 103-3 Evaluation of the management approach P83
102-34 Nature and total number of critical concerns P12-13
108 2020 Social Responsibility Report Hua Xia Bank Co., Limited 109
Standard number and description Page Note PRB Content Index
GRI 103 Reporting and Self-Assessment Requirements Reference
Management 103-2 The management approach and its components P90-91
GRI 205 approach Principle 1: Alignment
Anti-
205-1 Operations assessed for risks related to corruption P90-91
corruption 1.1 Describe (high-level) your bank's business model, including the main customer segments served,
types of products and services provided, the main sectors and types of activities, and where relevant the
P90-91
205-2 Communication and training about anti-corruption policies
and procedures technologies financed across the main geographies in which your bank has operations or provides products P4-8, P11-13, P33,
P47, P59, P75,
and services.
103-1 Explanation of the material topic and its boundary P12, P32-57
GRI 300 GRI 103
Environmental Management 103-2 The management approach and its components P74-85
1.2 Describe how your bank has aligned and/or is planning to align its strategy to be consistent with and P87, P95
topics approach contribute to society's goals, as expressed in the Sustainable Development Goals (SDGs), the Paris Climate
103-3 Evaluation of the management approach P74-85 Agreement, and relevant national and regional frameworks.
302-1 Energy consumption within the organization P83
Principle 2: Impact and Target Setting
GRI 302 Energy 302-4 Reduction of energy consumption P83
Show that your bank has identified the areas in which it has its most
302-5 Reductions in energy requirements of products and services P82-83
2.1 Impact Analysis significant (potential) positive and negative impact through an impact
103-1 Explanation of the material topic and its boundary P12, P18-31, P94-103 analysis.
GRI 103
GRI 400
Management 103-2 The management approach and its components P18-31, P94-103 Show that the bank has set and published a minimum of two Specific,
Social topics
approach
103-3 Evaluation of the management approach P18-31, P94-103 Measurable (can be qualitative or quantitative), Achievable, Relevant and
Time-bound (SMART) targets, which address at least two of the identified
401-1 New employee hires and employee turnover P96 “areas of most significant impact”, resulting from the bank’s activities and
GRI 401 Employment provision of products and services.
P99-101
401-2 Benefits provided to full-time employees that are not
provided to temporary or part-time employees
Show that these targets are linked to and drive alignment with and greater
404-1 Average hours of training per year per employee P98 contribution to appropriate Sustainable Development Goals, the goals of
GRI 404 Training and 2.2 Target Setting
the Paris Agreement, and other relevant international, national or regional
P98
education 404-2 Programs for upgrading employee skills and transition
frameworks. The bank should have identified a baseline (assessed against a
assistance programs
particular year) and have set targets against this baseline.
GRI 405 GRI 103 103-2 The management approach and its components P96-97
Diversity Management Show that the bank has analysed and acknowledged significant (potential)
approach 103-3 Evaluation of the management approach P96-97 negative impacts of the set targets on other dimensions of the SDG/climate
and equal
change/society’s goals and that it has set out relevant actions to mitigate P4-7, P11-14, P16,
opportunity 405-1 Diversity of governance bodies and employees P96-97
P39, P74-85
those as far as feasible to maximize the net positive impact of the set targets.
103-1 Explanation of the material topic and its boundary P72, P102-103
GRI 413 GRI 103 Show that your bank has defined actions and milestones to meet the set
Local Management 103-2 The management approach and its components P72, P102-103 targets.
communities approach
P72, P102-103
2.3 Plans for Target
103-3 Evaluation of the management approach
Implementation and Show that your bank has put in place the means to measure and monitor
103-1 Explanation of the material topic and its boundary P66-73 Monitoring progress against the set targets. Definitions of key performance indicators,
GRI 103
P66-73
GRI 416 any changes in these definitions, and any rebasing of baselines should be
Management 103-2 The management approach and its components
Customer transparent.
approach
health and 103-3 Evaluation of the management approach P66-73
For each target separately:
safety
P71-73
416-1 Assessment of the health and safety impacts of product and Show that your bank has implemented the actions it had previously defined to
service categories meet the set target.
GRI 417 Marketing and Or explain why actions could not be implemented / needed to be changed
P71-73
417-1 Requirements for product and service information and
2.4 Progress on
labeling labeling and how your bank is adapting its plan to meet its set target.
Implementing Targets
Report on your bank’s progress over the last 12 months (up to 18 months in
your first reporting after becoming a signatory) towards achieving each of
the set targets and the impact your progress resulted in. (where feasible and
appropriate, banks should include quantitative disclosures)
110 2020 Social Responsibility Report Hua Xia Bank Co., 111
华夏银行股份有限公司 Limited 111
第三方审验意见
Independent Assurance Report
Reporting and Self-Assessment Requirements Reference
Principle 3: Clients and Customers
3.1 Provide an overview of the policies and practices your bank has in place and/or is planning to put in
place to promote responsible relationships with its customers. This should include high-level information on
any programmes and actions implemented (and/or planned), their scale and, where possible, the results
thereof. P19, P21, P26-57,
3.2 Describe how your bank has worked with and/or is planning to work with its clients and customers to P64-82
encourage sustainable practices and enable sustainable economic activities. This should include information
on actions planned/implemented, products and services developed, and, where possible, the impacts
achieved.
Principle 4: Stakeholders
4.1 Describe which stakeholders (or groups/types of stakeholders) your bank has consulted, engaged,
P13
collaborated or partnered with for the purpose of implementing these Principles and improving your bank’s
impacts. This should include a high-level overview of how your bank has identified relevant stakeholders and
what issues were addressed/results achieved.
Principle 5: Governance & Culture
5.1 Describe the relevant governance structures, policies and procedures your bank has in place/is planning
to put in place to manage significant positive and negative (potential) impacts and support effective
implementation of the Principles.
5.2 Describe the initiatives and measures your bank has implemented or is planning to implement to foster a
culture of responsible banking among its employees. This should include a high-level overview of capacity
building, inclusion in remuneration structures and performance management and leadership communication, P9, P11-13, P81-85,
amongst others. P98
5.3 Governance Structure for Implementation of the Principles
Show that your bank has a governance structure in place for the implementation of the PRB, including:
a) target-setting and actions to achieve targets set
b) remedial action in the event of targets or milestones not being achieved or unexpected negative impacts
being detected.
Principle 6: Transparency & Accountability
Show that your bank has progressed on implementing the six Principles over
the last 12 months (up to 18 months in your first reporting after becoming a
signatory) in addition to the setting and implementation of targets in minimum
two areas (see 2.1-2.4).
Showed in this
Show that your bank has considered existing and emerging international/
6.1 Progress on report and Annual
regional good practices relevant for the implementation of the six Principles
Implementing the Principles Report 2020 of
for Responsible Banking. Based on this, it has defined priorities and
for Responsible Banking Hua Xia Bank Co.,
ambitions to align with good practice.
Limited
Show that your bank has implemented/is working on implementing changes
in existing practices to reflect and be in line with existing and emerging
international/regional good practices and has made progress on its
implementation of these Principles.
112 2020 年社会责任报告
112 2020 Social Responsibility Report Hua Xia Bank Co., Limited 113
Feedback Form
Thank you for reading the Hua Xia Bank Co., Limited 2020 Social Responsibility Report. In order
to provide you and other stakeholders with more valuable information and improve our ability and
level of CSR fulfillment, we would love for you to share your comments on this report and send your
feedback as follows:
Tel: 010-85237056
Fax: 010-85239000
Email: zhshzr@hxb.com.cn
Postal code: 100005
Address: 22 Jianguomennei Street, Dongcheng District, Beijing
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