HUA XIA BANK CO., LIMITED
Social Responsibility Report 2021
2021
HUA XIA BANK CO., LIMITED
Address:22 Jianguomennei Street, Dongcheng District, Beijing
Tel:010-85237056 Fax:010-85239000
Postal code:100005 Social Responsibility Report
Website:www.hxb.com.cn
Email:zhshzr@hxb.com.cn
Stock code:600015 Scan the QR code
for more information
About This Report
Reporting Scope
Reporting Period:Unless otherwise stated, the report covers the period between January 1 to December 31, 2021.
Organizational Boundary:The report discloses the information of the Head Office and all branches and sub-branches of Hua Xia Bank.
Release Cycle:This is an annual report. The most recent report was issued on April 30, 2021.
Preparation Basis
The report was prepared in accordance with , the Guidelines on Environmental Information Disclosure for Financial Institutions issued by
the People's Bank of China, 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 Notice on Strengthening the Social Responsibility of Listed Companies and Issuing the Guidelines
for Environmental Information Disclosure of Listed Companies on the Shanghai Stock Exchange and the Notice on Further Improving
the Information Disclosure of Listed Companies' Poverty Alleviation Contribution by Shanghai Stock Exchange (SSE), and referred
to the Principles for Responsible Banking issued by United Nations Environment Programme, Guidance on Social Responsibility (ISO
26000:2010) issued by International Organization for Standardization (ISO), and GRI Sustainability Reporting Standards (GRI Standards).
Reference
For better readability, "Hua Xia Bank Co., Limited" is referred to as "Hua Xia Bank" , "the Bank" or "We" in the report.
Data Sources
The financial data in the report come from the audited Annual Report 2021 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 printed 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
Scan the QR code to watch
image publicity film of the bank
CONTENTS
Message from the MORE STEADFAST LOWER CARBON EMISSIONS Outlook 121
Chairman 4
Remaining True to the Original Promoting Green Development and Appendix 122
About Us 6 Aspiration of the Financial Industry Contributing to China's 3060 Reporting Index 122
CSR Management 9 to Empower the Real Economy Decarbonization Goal Independent Assurance
Report 126
Promoting the Coordinated Development of the Developing Green Finance 28
CSR Performance 13 Feedback Form 129
Beijing-Tianjin-Hebei Region 28 Addressing Environmental Risks 44
Accelerating Industry Transformation and Upgrade 44 Serving a Green Life 46
Serving China's Opening-up 46
SPOTLIGHT 20
Continuing the
Hard Work of
the Past Century
and Embarking
MORE INCLUSIVE MORE PRUDENT
on a Great New Invigorating the Market and Managing Compliance Risks to Secure
Journey Promoting Common Prosperity Long-Term Stability and Development
Supporting Rural Vitalization 52 Ensuring Compliance 78
Supporting MSEs 58 Strengthening Risk Management 104
Boosting People's Wellbeing 66
SMARTER MORE FULFILLING
Accelerating Digital Transformation Putting People First in Creating a
and Upgrading Financial Services Better Life
Promoting Digital Transformation 70 Safeguarding Employees Rights 108
Improving Corporate Banking Services 74 Empowering Career Growth 111
Improving Customer Services 76 Promoting Work-Life Balance 112
Protecting Consumer Rights and Interests 82 Building a Harmonious Society Through Joint Efforts 115
4 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 5
Message from the Chairman
In 2021, standing at the historical junction of the "Two Centenary and offered targeted support to private micro- and small-sized
Goals" and the beginning of China's14th Five-Year Plan, Hua enterprises and the people's livelihood. As a result, we introduced
Xia Bank closely followed the CPC Central Committee with financial resources to the key areas and weak links. Meanwhile,
Comrade Xi Jinping at its core and set out our own development we responded to the national rural vitalization strategy, promoted
plans and mission in the context of national development and common prosperity, and strictly implemented "four remainings"
the new development paradigm. We work harder to live up principle to see that poverty alleviation can invigorate rural China.
to our aspirations and fulfill the political, economic, and social
responsibilities of a state-owned financial enterprise, striving to We accelerated digital transformation to foster new growth
become a modern financial group that is "large and strong with drivers. Confronted with the new round of technological and
stable and excellent performance". By doing so, we make new industrial transformation, we explored how to give financial
contributions to the Second Centenary Goal. support to the digital industry and digitalized industrial
development and realize in-depth integration of finance and
We gave play to the leading role of Party building, from which technology. New progress had been achieved in the digital
we draw the strength to go ahead. We upheld the overall Party financial business for industries, key platforms, and data
leadership over financial work and lead high-quality development governance. We created a unique digital consumption ecosystem,
with sound Party building. We promoted Party history education which goes hand in hand with digital finance for industries, to
and carried out the activity of "Serve the People with Concrete form a financial service system that serves both companies and
Action" to ensure that employees can practice what they have consumers. We also trained digital talent, created a culture of
learned. We held a wide range of activities to celebrate the innovation, and activated digitalized innovation factories to create
centenary of the CPC, for example, commending outstanding an agile organization.
Party members, Party affairs workers, and primary-level Party
organizations and organizing a staging of plays dedicated to We went deep into green finance to serve China's 3060
the Party's history under the theme of "Looking Back on the Decarbonization Goal. Seizing the opportunity of China to
Party's 100-Year History, Embarking on a New Journey" enhance ecological civilization and realize green transition for its
and the theme exhibition of "red stars shining in China". We economic and social development, we provided financial services
gave commemorative medal to a Party member to mark the for carbon peak and carbon neutrality to create new features and
latter's 50-year Party membership. Together, we created a advantages in green financial development. New green financial
vibrant atmosphere to celebrate the centenary of the CPC in products and services were offered, and the investment and
the whole bank and fully integrated Party building into business financing structure was optimized. In 2021, the shares of our
development. green credit outperformed other joint-stock banks and we met
the "two no less than" goals set by the People's Bank of China
We remained true to our original aspirations as a financial player for green credit. Aiming to build a "climate-friendly bank", we
to serve the real economy. In the face of complexities and the achieved new breakthroughs in carbon financial service innovation
arduous task of pursuing reform, development, and stability at and international cooperation projects.
home, we showed strong resilience and improved the quality
and efficiency of serving the real economy. Headquartered in The wealth of a country is measured by the abundance of
Beijing, we ramped up financial support for building Beijing into its people. Looking ahead, guided by Xi Jinping Thought on
the national political, cultural, international communication and Socialism with Chinese Characteristics for a New Era, Hua Xia
technological innovation centers. We served key projects such Bank will place high-quality financial development as an important
as the Beijing Municipal Administrative Center and the Beijing guarantee for common prosperity. Drawing on the wisdom and
2022 Winter Olympics. Focusing on key regions such as the strength from the Party's glorious past, we will forge ahead
Beijing-Tianjin-Hebei region, Yangtze River Delta, Guangdong, with revolutionary spirits. We will move faster towards a modern
Hong Kong, and Macao, we fully supported major projects financial group that is "large and strong with stable and excellent
to contribute to national strategies and coordinated regional performance" to make unremitting efforts to realize the great
development. Through financial services, we advanced industrial rejuvenation of the Chinese nation.
and technological transformation, supported new infrastructure,
advanced manufacturing, and strategic emerging industries, and
served China's opening-up to the outside world and the dual
circulation development paradigm.
We improved inclusive finance to contribute to common Li Minji
prosperity. Positioned as a "financial service provider for SMEs",
we brought out new inclusive financial products and services Party Secretary and Chairman of Hua Xia Bank
6 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 7
About Us
Company Profile Corporate Governance
Hua Xia Bank Co., Limited was founded in Beijing The Bank implements the concept of sustainability in corporate governance and advances a modernized corporate governance. We have
in October 1992 and became a national joint-stock established a corporate governance structure mainly comprising of the Shareholders' Meeting, the Board of Directors (the Board), the Board
commercial bank after restructuring in March 1995. of Supervisors, and the senior management. The Shareholders' Meeting is the governing body, the Board is the decision-maker, the Board
On September 12, 2003, the Bank went public on of Supervisors serves supervision functions, and the senior management is in charge of execution. We enhance the legal status of Party
Shanghai Stock Exchange (Stock Code: 600015), organizations in the corporate governance structure, coordinate the Party Committee, the Shareholders' Meeting, the Board of Directors (the
with registered capital of RMB 15.387 billion. Board), the Board of Supervisors, and the senior management, and integrate Party leadership into all aspects of corporate governance to make
Party leadership goes together with corporate governance.
Since its inauguration, the Bank has been forging
ahead and made great achievements despite all
difficulties. By the end of 2021, the Bank had a
total asset of RMB 3,676.287 billion, 44 Tier-1
branches, 79 Tier-2 branches, 1,008 outlets in 122 As of the end of 2021
cities at or above the prefectural level nationwide,
and nearly 40,000 employees, which had formed an
institutional system of building presence in developed
There were
cities and reaching out to the whole country. The
Bank has set up 1,196 agencies in and out of
5 5 7
China, covering 316 cities in 96 countries on all
five continents of the world. Its settlement network
17 Directors in the Board among them ExecutiveDirectors Non-executiveDirectors Independent Directors
covers all major trade areas in the world.
In The Banker's Top 1000 world banks published in June 2021, Hua Xia Bank ranked 51st by Tier-1 capital, the same as what it was the
year before, and 64th by total assets, respectively one higher than the previous year.
. There were
1 3 3
7 Supervisors in the Board among them Shareholder Supervisor External Supervisors Employee Supervisors
Development Vision Strategic Points
Innovative,coordinated, green, open and shared development Taking deposits as the foundation, building the Bank's through
FinTech and talents, and ensuring stable operation through risk
control
In 2021
Basic Principles Development Directions 1 9 7
Serving the overall interests of the country, staying market-oriented, Keeping to the direction of featured, digital, asset-efficient, Shareholders' Meetings Board Meetings were Board of Supervisors
following strategies, promoting reform and innovation, creating specialized, comprehensive, and world-oriented developmentl were held with held with Meetings were held with
value, and developing strengths to making up for weaknesses
21 62 32
resolutions adopted resolutions adopted resolutions adopted
Focus Corporate Development Vision
Serving the real economy and creating value for customers Strive to develop into a modern financial group that is "large and
and shareholders strong with stable and excellent performance"
8 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 9
We aspire to develop into a modern financial group that is large and strong with stable and
Organizational Structure
CSR excellent performance, and the CSR concept is embodied in our corporate DNA. In 2021,
the brand concept of "Sustainability for a better future" was proposed, which echoes with
the vision of "harmony brings a bright future and Hua Xia continues with its public spirit",
Strategic Management and Consumer
Rights and Interests Protection Committee
Shareholders' Meeting Management leading the whole Bank to have solid CSR performance. The Head Office is designated
to take full charge of bank-wide CSR performance. We continuously improve our CSR
management and steadily push ahead CSR practices. As one of the first signatories to the
Risk and Compliance Management Principles for Responsible Banking issued by United Nations Environment Programme and a
Committee supporter of the Task Force on Climate-related Financial Disclosures (TCFD), we continue
to improve CSR management and practice, and create comprehensive economic, social, and
Related Party Transaction Control environmental values to contribute to UN SDGs.
Committee Oversight Committee
Remuneration and Evaluation Committee Board of Directors Board of Supervisors CSR Philosophy
Nomination Committee
Nomination Committee Brand philosophy
Office of the
Board of Directors Office of the Board of Supervisors Sustainable, Wonderful
Audit Committee
(Securities Affairs
Department)
Sustainable Wonderful
Asset Liability Management Committee Product Management Committee It is an action guide that incorporates the concept of It is the goal to realize people's aspirations for a better
sustainability into business activities life through financial services to promote common
Credit, Investment and Financing Policy prosperity
Committee
Green Finance Management Committee
Risk Management and Internal Control
Vision of CSR fulfillmen
Senior Management
Committee
Harmony brings a bright future and Hua Xia continues with its public spirit
Information Technology Management Committee China's culture is at the core of the Bank's development and prosperity, and the value created shall be shared by all people
Credit Approval Committee
of the Chinese nation
Asset Risk Disposal Committee Performance Management Committee
Harmony brings a bright future Hua Xia continues with its public spirit
The Bank pursues harmonious co-existence, open Leveraging on its advantages in specialty, location and
Audit Department cooperation, sharing of benefits with stakeholders, resources, the Bank takes the initiative to shoulder
and works towards balance between economic, economic, environmental and social responsibilities, and
Headquarters Departments Branches and Sub-branches
environmental and social benefits, making its strives to bring benefits to every corner of China and
contribution to a harmonious socialist society every Chinese
CSR goals
Investor Relations Information Disclosure Maximizing comprehensive value, Contributing to a harmonious society
To strengthen investor relations management, the Bank strictly implements The Bank attaches great importance to transparent
the Working Measures of Hua Xia Bank Co ., Ltd. on Investor Relations, operation, closely monitors regulations, and strictly complies CSR practices
and designated a dedicated investor relations manager under the Office of with the regulations to improve the timeliness, effectiveness
Practices for economic responsibility, Practices for environmental responsibility, Practices for social responsibility
the Board of Directors to take charge of relevant work. of information disclosure, and standardize the information
disclosure and reporting processes. We have fulfilled
The Bank has promoted interactions and exchanges with investors information disclosure obligations and enhanced transparency CSR principles
through multiple channels and in many ways. In 2021, the Bank organized via channels like China Securities Journal, Shanghai
meetings and activities such as Shareholders' Meeting, performance Securities News, Securities Times, Securities Daily , Openness and transparency, Cross-over thinking, Resource integration, Stakeholder Communication
briefing, investor reception day and special research, and carefully Shanghai Stock Exchange website, the official website of
answered the questions posted on SSE E-interactive platform and from Hua Xia Bank, etc.
investor hotline to enable investors to have a better understanding of
CSR priorities
the Bank. The Bank also won the Best Digital Investor Relations Award Serving the real economy, Practicing inclusive finance, Promoting ecological progress, Pursuing safe and steady
in the Fourth China Excellent IR Selection and the Institutional Friendly
development, Empowering through FinTech, Putting people first
Communication Award in the Panoramic Investor Relations Gold Award.
10 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 11
Materiality Analysis Materiality Matrix
Stakeholder Communication
The Bank has collected the concerns of
stakeholders by soliciting suggestions
from the senior management of the Head
Serving the real economy
Office as well as internal and external
Stakeholder Core Expectations Main Responses
Contributing to national strategies
Importance to the sustainable development of Hua Xia Bank
stakeholders, and prioritized the topics Devoting more efforts to green finance
based on "importance to the sustainable Guarding against financial risks
development of Hua Xia Bank" and
Supporting community development
"importance to stakeholders." Caring for employees Promoting inclusive finance Serving the real economy
Serving coordinated regional development
Supporting the growth of private micro-
Promoting financial knowledge Standardizing corporate governance Supporting national strategy
and small-sized enterprises
Contributing to rural vitalization Government Developing inclusive finance
Supporting China’s opening-up
Supporting rural vitalization
Advancing rural vitalization
Paying tax in full according to law
Paying taxes in full
Pursuing FinTech innovations Implementing regulatory policies
Compliance
Regulatory authorities Receiving supervision
Protecting customers' rights and Strict risk management
Practicing green operation Strengthening risk prevention
interests
Promoting industry development
Improving service quality Improving corporate governance Improving corporate governance
Helping employees grow Shareholders and Ensuring sustained and stable return Realizing stable operation
investors Protecting shareholders’ rights and interests Creating values for shareholders
Achieving transparent operation Strengthening information disclosure
Importance to stakeholders Developing green finance
Focusing on climate change
Environment Promoting green offices
Facilitating green development
Participating in eco-friendly public activities
Contribution to UN SDGs Strengthening the protection of consumer
Safeguarding customer rights rights
Core Goals Customers Improving customer experience Providing high-quality and efficient services
Accelerating product innovation Enhancing financial innovation
In September 2015, the United Nations Sustainable Development
Advancing digital transformation
Summit adopted the 2030 Agenda for Sustainable Development .
The agenda covers 17 Sustainable Development Goals (SDGs),
pointing out the direction for countries and enterprises globally
Fairness and transparency
to promote sustainable development. Focusing on the vision of Strengthening exchanges and cooperation
Partners Contract fulfillment with integrity
building a modern financial group that is large and strong with Improving procurement management
Win-win cooperation
stable and excellent performance, the Bank evaluates from two
dimensions of materiality and importance, distinguishes core goals
and related goals, and devotes resources to core targets to realize Protecting the basic rights and interests of
sustainable development goals. Protection of rights and interests employees
Remuneration and benefits Facilitating career development channels
Employees
Working environment Providing job skills training
Career development Carrying out diverse cultural and sports
activities
Related Goals
Financial knowledge popularization
Publicizing financial knowledge
Communities Support for community development
Participating in charitable activities
Engagement in public welfare undertakings
12 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 13
CSR Awards and Honors
CSR Performance
Economic
Interbank Market Technical Standards
Working Group of China Financial Total asset Unit:RMB billion Operating revenue Unit:RMB billion Total profit Unit:RMB billion
China Banking Association China Banking Association
Standardization Technical Committee
2021 Outstanding Award for Providing "Innovation-Driven Development" Good 3,676.287 95.870
Rated as "excellent" by the 2021 95.309
Financial Services to MSMEs News Award 3,399.816 31.493
Interbank Market Technical Standards
3,020.789 84.734 27.563
Working Group 27.153
2019 2020 2021 2019 2020 2021 2019 2020 2021
china.com.cn China Banking and Insurance News
Financial Planning Standards Board
China (FPSB China) Outstanding Joint-stock Commercial Top 10 Social Responsibility
Bank of the Year Organizations of 2020
Best Organization Award Outstanding Green Finance Bank of the A Model Influential Financial Brand in
Year China
Net profit Unit:RMB billion Total deposits Unit:RMB billion Total loans Unit:RMB billion
23.903 1,818.330 1,904.363
2,213.529
2,108.993
22.115 1,656.489 1,872.602
21.568
Financial News Beijing Evening News and Beijing
Trade Finance Daily
Best Social Responsibility Bank of the
Year Best Transaction Bank Top 10 Financial Brands Contributing
2019 2020 2021 2019 2020 2021 2019 2020 2021
to Public Wellbeing
Balance of loans in
Balance of Growth of loans support of strategic
loans to MSEs Unit:RMB billion to MSEs Unit:RMB billion emerging industrie Unit:RMB billion
The Economic Observer
Shanghai United Media 21 st Century Business 490.749 60.024 97.321
BRTV A Trustworthy Social
Group Herald 456.412
Responsibility Organization 81.229
The Most Beautiful Enterprise Excellent Green Bank of 396.387 39.062 79.689
Award ESG Green Finance Award Outstanding CSR Project
of the Year Award the Year 34.337
Corporate Social
Responsibility Award
2019 2020 2021 2019 2020 2021 2019 2020 2021
14 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 15
Balance of loans in support of Balance of agriculture- ROA Unit:% ROE Unit:%
manufacturing industry Unit:RMB billion related loans Unit:RMB billion
2019 0.78 2019 10.61
2019 190.969 2019 239.078
2020 0.67 2020 8.64
2020 192.254 2020 249.421
2021 0.67 2021 9.04
2021 190.744 2021 255.980
Shareholder equity Unit:RMB billion
2019 269.337
2020 282.655
2021 300.702
International settlement Unit:Dollar billion RMB cross-border settlement Unit:RMB billion
2019 135.125 2019 44.243
Environmental
2020 142.855 2020 46.314
Balance of green loans ① Number of ETC card users
2021 164.667 2021 70.134
Unit:RMB billion Unit:10,000
208.477 254.81
180.043
244.01
227.07
79.844
2019 2020 2021 2019 2020 2021
CAR Unit:% Allowance-to-NPL ratio Unit:%
Number of ETC cards Number of e-transactions
2019 13.89 2019 141.92 Unit:10,000 Unit:10,000
2020 13.08 2020 147.22
327.74 322,655.98
2021 12.82 2021 150.99 325.62
312.75
123,005.62
114,719.26
2019 2020 2021 2019 2020 2021
① The data of green loan balance in 2020 was based on the Special Statistics System of Green Loan revised by the People's Bank of China in December 2019
16 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 17
Social
Settlement rate of complaints lodged
Number of outlets Number of rural outlets through 95577 customer service center 95577 call-backs
Unit:/ Unit:/ Unit:% Unit:/
1,025 1,022 109
100.00 100.00 100.00 130,559 130,637
107
1,008 106
42,604
2019 2020 2021 2019 2020 2021
2019 2020 2021 2019 2020 2021
Number of outlets in old revolutionary base areas, areas inhabited
by ethnic minority groups, remote and border areas and poverty- Complaints and problems solved through the joint handling
stricken areas Number of online corporate banking transactions mechanism of the 95577 customer service center Customer satisfaction rate for 95577 customer service center
Unit:/ Unit:10,000 Unit:/ Unit:%
82 4,692.58 14,931 99.66
81 81 13,126 99.61
3,018.07
2,759.33 99.56
2,012
2019 2020 2021 2019 2020 2021 2019 2020 2021 2019 2020 2021
Number of employee training sessions Number of participants of employee training sessions
Number of online personal banking transactions
Unit:/ Unit:/
Unit:10,000
3,682.81 531,553
5,200
4,365
3,986 370,748
2,344.73
1,651.14 261,106
2019 2020 2021 2019 2020 2021 2019 2020 2021
18 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 19
Total number of employees Total number of employees from ethnic minority groups Number of legal training sessions Number of participants of legal training sessions
Unit:/ Unit:/ Unit:/ Unit:/
227 31,803
2019 38,639 2019 1,683 28,005
213
190
2020 39,284 2020 1,785
19,595
2021 39,175 2021 1,912
2019 2020 2021 2019 2020 2021
Percentage of female employees Total charitable donations Number of AML training sessions Number of participants of AML training sessions
Unit:% Unit:RMB 10,000 Unit:/ Unit:/
8,023.3 4,722 135,000
51.46 51.43 3,046 98,710
51.14
1,210
1,825.6 49,855
1,451.5
2019 2020 2021 2019 2020 2021 2019 2020 2021 2019 2020 2021
20 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 21
Recalling red memories - Celebrating the CPC centenary in various forms
In 2021, we organized a staging of We organized the mini-lecture
plays dedicated to the Party's history contest with the theme of "Praising
under the theme of "Looking Back the Party's Achievements and
on the Party's 100-Year History, Staging and voting The contest of mini- Promoting Development" to select
Embarking on a New Journey". The of excellent plays lectures on the and disseminate inspiring and
plays vividly depicted the glorious celebrating the CPC Party's history and intriguing mini-lectures to attract and
100-year history of the Party centenary achievements unite more employees to the study of
and its great achievements and the Party history.
valuable experience. Nearly 600
Party members from 42 primary-
level Party committees of the
Commending
Bank participated in the event. The
outstanding Party
performances attracted more than
members, Party
4 million views and more than 3.88
affairs workers, and
million votes online. Party members
primary-level Party
and other employees reinforced their
organizations
sense of responsibility, patriotism,
and displayed the image imbued with
vigor and vitality while learning the
Party's history and bringing it alive.
We commended 100 outstanding Party members, 50 outstanding Party
affairs workers, and 50 excellent primary-level Party organizations
across the Bank. The Party Committee of the Beijing Branch was rated
"Looking Back on the Party's 100-Year History, Embarking on a New Journey" – Staging and Voting of excellent plays celebrating the Party's centenary
as an advanced grass-roots Party organization in Beijing. Three grass-
roots Party organizations, four Communist Party members, and three
Party affairs employees were rated as "outstanding organizations and
individuals" in the Beijing SASAC system. Their examples appealed to
all employees to learn from them.
Spotlight
Continuing the Hard Work of the Past Century and
Embarking on a Great New Journey
Learning Party History to Remind our Aspirations
Over the past hundred years of struggle, the Communist Party of China (CPC) has carried forward its great founding spirit. We have
thoroughly studied and implemented the guiding principles of the 19th CPC National Congress and plenary sessions of the 19th CPC Central
Committee and built education and training platforms for CPC member. New ways of Party history learning have been created through
celebration activities for the 100th anniversary of the Party, such as visiting old revolutionary bases, holding knowledge quizzes about Party
history, and organizing the Party Day events. CPC members and other staff of the whole bank are inspired and stimulated with the wisdom
and strength draw from Party history learning and education to write a new chapter in the 14th Five-Year Plan period. The meeting to commend outstanding Party members, Party affairs workers and primary-level Party organizations, and the seminar on the Party's history and theories presided over by the
Bank's Party Secretary
22 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 23
Wenzhou Branch goes to Gutian for rotation training activities for Party branch secretaries
The Head Office holds the theme exhibition "Red Star Shines in China – Hua Xia Bank Celebrates the 100th Anniversary of the Founding of the CPC"
Scan the QR code to
find out more about the
thematic exhibition
CASE
Studying Party history while staying true to the original aspiration, intensifying education on
the Party spirit and carrying forward the Party's fine traditions and conduct
The Bank has set up an education and training platform for Party members, and held seven training sessions for 600 participants. The
Head Office organized two CPC member training sessions for 120 Party members, covering Party history, professional expertise and skills,
the essence of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, the glorious history of the CPC over the past
century, the campaign to exercise full and strict Party discipline, improve Party conduct and build a clean government, etc. Through lectures,
field visits, seminars, competitions, etc., the trainees gained a better understanding of the Party's history and spirit, learned about current
politics and situations, integrated Party building with their daily responsibilities, shared information and communicated with others more Nanchang Branch holds a drama performance – Writing Down Your Name
smoothly, and improved their competence and ability, contributing to high-quality development.
Scan the QR code to learn
more about the rotational
training program
Harbin Branch carries out learning party history activity Guangzhou Branch carries out the Yan'an special training
24 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 25
Acting for People to Fulfill our Promises Exercising Strict Governance over the Party to Promote Development
In 2021 Strengthening ideological and political building to Stepping up efforts to improve Party conduct,
foster a healthy political atmosphere uphold integrity and combat corruption
We paid visits to Party members in need
and front-line cadres, bringing with us We always put the Party's political building first, and arm ourselves In strict compliance with the central Party leadership's eight-
the warmth and care from the Party with the Party's theories. We fully study and implement the guiding point decision on improving work conduct and requirements of
organizations.we visited a total of principles of the 19th National Party Congress and the plenary the Municipal Party Committee, we strengthened education on
76 Party members and cadres, sessions of the 19th CPC Central Committee, and earnestly follow
Xi Jinping Thought on Socialism with Chinese Characteristics for a
integrity and the Party's discipline by holding education conferences
to disseminate real-life anti-corruption cases and continue
New Era as well as Xi's latest important speeches and instructions. to crack down on the practice of formalities for formalities'
gave them We champion the Party's decision to establish Comrade Xi sake, bureaucratism, hedonism, and extravagance. In 2021,
Jinping's core position on the Party Central Committee and in the we comprehensively rectified the problems identified by the
RMB 605,000 in allowance Party as a whole, and define the guiding role of Xi Jinping Thought superior Party Committees and Disciplinary Committees in their
on Socialism with Chinese Characteristics for a New Era. We are assessment, striving to address root causes to avoid repeating
deeply conscious of the need to maintain political integrity, think in the same mistakes. Meanwhile, we conducted self-investigation
The Bank's 6,509 Party members and big-picture terms, follow the leadership core, and keep in alignment into overseas corruption cases, drew lessons, and strengthened
employees actively participated in fund- with the central Party leadership. We have always stayed confident the regulation over overseas assets to guard against cross-border
raising activities and donated a total of RMB
697,451.32.
in the path, theory, system and culture of socialism with Chinese corruption risks.
characteristics, and upheld the core position of Xi Jinping on the
A Party-member volunteer of the Hohhot Branch Party Central Committee and in the Party as a whole, and upheld
the Central Committee's authority and its centralized, unified Improving the policy framework to exercise
leadership.
effective Party self-governance
While applying the new development philosophy, the Bank launched the "Serve the People with Concrete Action" campaign to serve first-line
We strengthened the accountability system for ideological work
employees, fulfill social responsibility, and care for employees by solving their most pressing and immediate concerns. The Bank has formulated and implemented the List of Major Issues
and continued to implement the "1+1+N" system for ideological
and publicity work. We conscientiously implemented the rules and for and Procedures of Advance Discussion by the Communist Party
Focusing on employee care and addressing customer concerns in practice, the Standing Committee of the Party Committee of the Head Committee of Hua Xia Bank Co., Limited, revised the Working
policies on consultation-based judgment, situation reporting, risk
Office has clarified five tasks of practical value, including caring for employees' mental and physical health, popularizing financial knowledge, Rules of the Communist Party Committee of Hua Xia Bank Co.,
prevention and control, supervision and assessment, etc., and
and organizing thematic education activities. All primary-level Party committees have integrated the "Serve the People with Concrete Action" Limited, and the Hua Xia Bank Implementation Measures for
supervise and report the progress on ideological work.
campaign with improving the financial-service capacity, fulfilling the social responsibility as a state-owned enterprise (SOE), and helping Decision-Making on Major Issues, Appointment and Dismissal of
employees in need, aiming to promote the implementation on an item-by-item basis. Important Officials, Investment Decisions on Major Projects, and
the Use of Large Amounts of Funds. We have also implemented
Strengthening the organizational system to create a the Implementation Measures for the Communist Party Committee
solid base of Hua Xia Bank to Report Major Matters to the Municipal SASAC
Party Committee for Instructions (Trial), and the Sample Text
We uphold the principle of "universal standards for the Head of Working Rules for Party Committees of Branches (Trial). The
CASE Jointly launching a public information campaign on "credit to mark the 100th Anniversary of the Founding of the CPC" Office and branches, consistent requirements inside and outside policy framework is better.
Beijing, and the same pace throughout the whole system", follow
closely the general election of grass-roots Party organizations, and
The Bank and 23 other institutions jointly
standardize Party organizations. We coordinate the centralized In 2021
launched a public information campaign
training for Party organization secretaries, grass-roots Party affairs
on credit to mark the 100th anniversary
employees, new Party members, and ordinary Party members to
of the founding of the CPC. Starting
promote the overall progress of grass-roots Party building.
from our status as a practitioner of and
corporate social responsibility for credit
20 sessions of Party 12 posts of clean
building, we applied innovative guiding conduct and clean governance governance
concepts to better serve residential education
consumption, maintain national financial Building a talent team to lay a foundation for
security, and explore the path toward development
high-quality development.
We have formulated the Three-Year Action Plan for Strengthening
the Top Leadership and Management Team (2021-2023) , to
train and select outstanding young managers, and improve market-
9 professional training over 16,000
sessions on legal compliance participants
based competitive selection. We have accelerated the building of
professional teams, and optimized the career development path of
Joint community service by volunteers of the Taiyuan Branch and the Bindong Sub-distric professionals, to guide employees to further develop their skills.
26 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 27
More Steadfast
Guided by national strategies, Hua Xia Bank actively shoulder the
financial mission under the new development paradigm, promotes
regional integration and development, drives transformation and
upgrade across industries, contributing to China's opening-up and a
high-quality real economy.
Financial Industry to Support the Real Economy
Remaining True to the Original Aspiration of the
Sustainability practices
Aligning with China's regional development strategies and
supporting the coordinated development of key regions
Serving the efforts to build Beijing into the national political,
cultural, international communication and technological innovation
centers with more financial support
Supporting industrial transformation and strengthening credit,
investment, and financing policies
Contributing to China's opening-up to the outside world and
improving the cross-border financial system
As of the end of 2021
The balance of loans in the Beijing-
Tianjin-Hebei Region has exceeded RMB
569.5 billion
The balance of loans in the Yangtze River
Delta has exceeded RMB
617.1 billion
The balance of loans in Guangdong, Hong
Kong, and Macau has exceeded RMB
219 billion
In 2021
Hua Xia Bank provided a total of RMB
261.9 billion of investment and financing
services for Beijing.
As of the end of 2021
The balance of loans to strategic
emerging industries had exceeded RMB
97.3billion
The Bank had opened
630 correspondent banks in BRI markets.
28 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 29
Guided by major regional development strategies, the Bank has formulated the overall
Serving China's strategy of "Three Zones, Two Lines, Multiple Outlets" and taken multiple measures to
CASE The innovative Gold Credit Loan
Regional Strategies promote the coordinated development of the Beijing-Tianjin-Hebei Region, the integrated
To increase MSEs' access to loans at a lower cost,
development of the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater
Beijing Branch developed the Gold Credit Loan (Jin
Bay Area, accelerating the effective implementation of these strategies.
Xin Loan) on the Innovation Credit and Finance
platform, effectively meeting the financing needs of
light-asset and collateral-free MSEs Gold Credit
Serving the overall development of the capital Loan's product design, system development, and
post-testing took only one month.
In 2021 Headquartered in Beijing, we formulated the Work Plan on Serving the Economic
our investment and financing in Beijing Development of the Capital and the Coordinated Development of the Beijing-Tianjin-
amounted to RMB Hebei Region. Focusing on building Beijing into the national political, cultural, international
communication and technological innovation centers, we channel financial resources to such
261.9billion fields as scientific and technological development, cultural prosperity, and international
exchanges to boost the city's high-quality development.
Supporting economic development
the Bank had signed strategic cooperation We developed new products and bettered the service model to strengthen the key areas In 2021
agreements with 8 SOEs, in the city’s economy. We took the initiative to reach out to major enterprises and projects
and provide targeted support for MSEs
we invested and financed nearly RMB
1 government agency and 38 billion in key projects in Beijing,
We introduced the Hua Xia Bank High-Level Management Marketing Plan for Central SOEs (Trial) and including industrial parks, infrastructure
1 private enterprise in Beijing implemented the Central SOE Marketing Action Plan, through which strengthened financial support for
key central SOEs in Beijing. Several bond underwriting, fundraising supervision, cash management and
projects and environmental facilities We moved into the Beijing Initial Loan Service
Center, and launched exclusive credit loan
other businesses were implemented products to expand the coverage of inclusive
finance
Strengthening financial Serving key Improving financial services
support for central SOEs
in Beijing
enterprises
and projects
for municipal-level SOEs and
key projects
we underwrote RMB 14.5 billion
of bonds issued by the Beijing government
Enhancing initial
We responded to the financing needs of the "Three Hundred" projects (including 100 key
technological innovation and high-tech industrial projects, 100 key infrastructure projects, and loan services
100 projects vital to public wellbeing), prepared a list of key projects and enhanced comprehensive
financial services for these projects by combining commercial banking and investment banking
We strengthened financial support for municipal-level SOEs in Beijing, especially Shougang Group,
the Bank lent RMB
to MSEs in Beijing
33.2 billion
Beijing State-owned Capital Operation and Management Company Limited, Beijing Electronic Zone Serving MSEs
High-tech Group Co., Ltd., Beijing Jingcheng Machinery Electric Co., Ltd., and Beijing Capital and farmers
Agribusiness & Foods Group. By the end of 2021, our financial services had reached almost all SOEs
in Beijing
The Bank assists the industrial upgrading in the western part of Beijing Designing
innovative products
We launched Heart Warming Loan (Nuan Xin
Loan), Farmer and Commerce Loan (Hui Nong
Xing Shang Loan), Homestay Loan (Min Su Loan)
to support the development of agriculture, rural
areas and farmers in the capital
Based on the decision engines of small enterprises,
we developed Inclusive Farmer Loan to provide
targeted financial support for farmers
30 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 31
Supporting technological innovation
In 2021
the Bank invested and financed nearly RMB
To build Beijing into an international science, technology and innovation (STI) center, we earnestly improve the top-level design, strengthen financed RMB 20.6 billion for 388 companies from the top
product innovation, and constantly improve our financial services for high-tech enterprises and talents in the capital, to make Beijing a global
leader in technological innovation. 35 billion in 445 tech companies in Beijing 10 high-tech industries in the city
The Work Plan of Hua Xia Bank on Supporting Beijing to Grow The Work Plan of Hua Xia Bank on Supporting the Development CASE Contributing to building Beijing into an international STI center
into an International Science, Technology and Innovation Center of High-tech Industries in Beijing during the 14th Five-Year Plan
was formulated, 20 innovative measures introduced, and a task Period was released to support the industrial transformation and
force headed by the President of the Head Office set up to form a upgrade of the capital At the 2021 ZGC Forum, the Bank signed a strategic cooperation agreement with ZGC Group. The two sides will strengthen cooperation in the fields
collaboration mechanism covering the Head Office, branches, and of industrial park construction, investment in industrial development, science and technology services, TechFin, FinTech, and the development of the
sub-branches, as well as different business lines ZGC Forum, and jointly support Beijing's drive to build an international STI center.
Improving
the top-level
design
Supporting
the capital's
technological
innovation
Deepening Designing
strategic innovative
cooperation products
The Bank has joined the ChinaMaker Eco Alliance and become Hua Xia Bank launched the first relay fund exclusively for pre-
a vice-chairman member of the Zhongguancun Digital Economic IPO companies on the Beijing Stock Exchange – BSTIG-Hua Xia
Industry Alliance Longying Technological Investment Relay Fund, to make equity
The Bank signed strategic cooperation agreements with China investment in private companies engaged in such high-tech
Electronic Corporation and other enterprises industries. As of the end of 2021, the fund had exceeded RMB Signing ceremony of the strategic cooperation agreement between Hua Xia Bank and ZGC Group
Huaxia Wealth Management Co., Ltd. signed an agreement with 200 million in size
Beijing Zhongguancun Capital Fund Management Co.,Ltd. The Bank rolled out a financial service package for tech enterprises
in the capital to provide integrated financial services for them
The Bank rolled out a financial service package for tech specialists
and promoted multiple characteristic products and services for
them, including the Tech Elite (Ke Chuang Jing Ying) debit card and
the Tech Elite Loan (Ke Chuang Jing Ying Loan) to serve people in
the high-tech industry in Beijing
32 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 33
Boosting cultural development
In 2021 To build Beijing into a national cultural center, the Bank actively responded to the financial
the Bank provided RMB needs of cultural and creative enterprises in the capital, and continued to improve and
upgrade financial products and services for the cultural and creative sectors to empower
20.6 billion of financing services high-quality cultural development of Beijing.
for cultural and creative enterprises in the
capital
The Huaxia Craftsmanship (Hua Xia Jiang Pin) series of products
provided comprehensive financial services covering payment
and settlement, cash management, investment and financing for
enterprises of time-honored brands, aiming to promote the culture of
Beijing's time-honored brands and carry forward the craftsmanship
The Bank becomes a strategic partner of the 2021 ZGC Forum
Continuing to implement
The digital RMB system has been launched and put into production. We deepened cooperation with FinTech companies in Beijing to the Time-Honored
In particular, the digital RMB ticket payment project for the Winter steadily promote syndicated loans Brand Action Plan
Olympic Games was named a demonstration project for applying Through cooperation with prestigious universities such as Tsinghua
Boosting
FinTech in providing financial support in Beijing University, we explored the construction of new ecosystems and
cultural
We independently developed the industrial digital FinTech platform new scenarios for the application of new technologies
prosperity
to empower digital customer acquisition, credit extension, and We promoted the application of quantum AI algorithms in precision
financing marketing, AI-enabled risk control, AI-enabled asset management, Deepening innovation
Focusing on scenarios such as warehousing and logistics, industrial and other processes, and explore the commercialization of new in intellectual property
parks, smart cultural tourism, we strengthened business innovation technologies financing models
and diversified two types of digital products: financing and
settlement
The Bank participated in Beijing's First Patent-Licensed Intellectual
Property Securitization Project that involved an investment of RMB
1 billion, the first securitization product with patents as underlying
assets in the city
Enhancing Strengthening
FinTech FinTech
development cooperation
Supporting
the capital's
technological
innovation
Serving key digital
economy projects
We participated in the construction of scenarios
surrounding the Beijing Big Data Action Plan and the 100
Villages Poverty Alleviation Project,
Scan to see our We promoted online, digital and intelligent supply chain
participation in the ZGC financing and consumer financing
Forum The Bank provides financial services to Beijing time-honored enterprises
34 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 35
Serving international exchanges Supporting the development of Beijing Municipal Administrative Center
In response to the call for building Beijing into an international exchange center, we have As of the end of 2021 Giving priority to relieving Beijing of functions nonessential to its role as the capital, we step
gradually improved cross-border products and services and enhanced our financial service the Bank had extended over RMB up financial support in key areas such as transportation integration, infrastructure, and rural
capacity, to help local enterprises "go global." vitalization to develop the municipal administrative center.
19.8 ofbillionBeijingcreditsMunicipalto the
development
The Bank has opened the Sub- Based on digital financial Administrative Center
Branch of the International means, the Bank has launched
Supporting the
Business Service Area of the the online business of non-
Supporting key development of Improving housing
China (Beijing) Pilot Free Trade recourse factoring to empower
enterprises Beijing Municipal conditions
Zone and the Sub-Branch of the development of MSEMs
Accelerating to Strengthening Administrative
the Daxing Airport Area of and created the "scenario plus
open sub-branches innovation of trade Center
Hebei Pilot Free Trade Zone platform" financial service
in free trade zones finance products model for supply chains
Supporting
the opening- The Bank provided nearly RMB 4 billion of The Bank provided financial services, such
up of the In response to the policy of investment and financing services for key as home mortgage loans, for four projects in
capital facilitating foreign exchange enterprises in Tongzhou Tongzhou including the Jingmao International
income payments under capital Mansion
Opening up accounts throughout Beijing,
Improving the we improved cross-border
overseas financing efficiency of trade and investment services.
We offered development channels for financial services We connected our system with
financing services and undertook enterprises the "Single Counter"project
the overseas debt business of
of the National Port
multiple other enterprises based
Administration Office to realize
in Beijing, helping them "go
one-click access to one-stop
global"
services
The Bank supports the construction of Beijing Municipal Administrative Center
CASE Supporting the development of Universal Beijing Resort
The Universal Beijing Resort project is a national key tourism project, and a model project of
green and energy-saving construction in the Beijing Municipal Administrative Center. Our Beijing
Branch mobilized internal resources and provided a syndicated loan of RMB 600 million for the
project, effectively promoting the transformation and upgrading of the capita's tourism industry,
and the development of low-carbon economy.
36 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 37
Facilitating the coordinated development of the Beijing-Tianjin-Hebei Region
In 2021 The Hua Xia Bank Action Plan for the Development of the Beijing-Tianjin-Hebei Region
the Bank provided RMB 67 billion of 2021-2025 was formulated. Positioned to be "a major financial service provider for the
Beijing-Tianjin-Hebei region", we continue to increase financial support for the coordinated
financing services for key projects related development of the Beijing-Tianjin-Hebei region, especially for key projects, key customers
to the coordinated development of the and key areas.
Beijing-Tianjin-Hebei region
Supporting the development of Xiongan New Area
As of the end of 2021 We have continued to strengthen collaboration with construction entities such as China
the balance of loans in the Beijing- Xiongan Group, and lent support to such projects as the "Technology Free Port" and "Smart
Tianjin-Hebei Region had exceeded RMB Xiongan", thereby contributing to building a digital, intelligent and integrated Xiongan.
569.5 billion, a year-on-year
increase of 5.9% We took the initiative to partner with Xiongan-based companies, such as State The Bank supports the construction of high-speed railway station in Tianjin Binhai New Area
Grid Xiongan Fintech Group, joined the syndicate lending to a resettlement
housing project in Rongdong area of Xiongan New Area
Supporting the development of Xiongan New Area
Supporting integrated transportation
the Bank had opened 159 banking Hua Xia Bank has obtained the qualifications as the "commissioned bank As of the end of 2021 With a variety of financial tools, we provide financial support for highway, subway as well
as road and bridge enterprises in Tianjin and Hebei, thereby facilitating transport connectivity
outlets in the Beijing-Tianjin-Hebei region of centralized payment of national treasury in Xiongan New Area" and the
"custodian bank of Hebei Xiongan Industry Guidance Fund."
the Bank had issued 2.53 million
debit cards themed on the coordinated
in the Beijing-Tianjin-Hebei region. At the same time, we continue to promote the debit
card themed on the coordinated development of the Beijing-Tianjin-Hebei region and the
development of the Beijing-Tianjin-Hebei Hua Xia Express (Hua Xia Su Tong) card andprovide financial services to support Beijing-
Tianjin-Hebei integrated transportation. .
The Bank is designated as the manager of the"payroll deposit and account for
region and 1.93 million ETC cards
migrant workers engaging in construction projects in Xiongan New Area" in the region
CASE Financing the construction of transportation facilities for the Beijing 2022 Winter Olympics
We have cooperated with the government fund disbursement blockchain The Bank promptly responded to the needs for building high-level transportation for the Beijing
platform run by the Xiongan New Area Management Committee, and jointly 2022 Winter Olympics, and provided financial support for key companies building road and other
developed the Comprehensive Smart Elderly Service Platform of Xiongan New transportation infrastructure in Zhangjiakou, contributing to the success of the Winter Olympics.
Area with Digital City Technology Co., Ltd. under China Xiongan Group
Ecological governance and protection
Empowering the development of key functional zones As of the end of 2021 With our strengths in green finance, we have provided comprehensive financial services for
the green loan balance of our branches in regional air pollution control, water pollution control, and clean-energy development, as well
the Beijing-Tianjin-Hebei region was close as enterprises engaging in energy conservation and environmental protection.
Focusing on the construction of the "2+4+N" functional zones for strategic cooperation and
platforms for accommodating relocated businesses, we have provided investment and financing
support for construction entities and operating companies of platforms for accommodating the
to RMB 32.1 billion CASE Supporting marine environmental protection in the Beijing-Tianjin-Hebei region
relocated businesses in Tianjin, Caofeidian, Cangzhou, Handan, etc.
Tianjin Branch granted a loan of RMB 912 million to Tianjin Lingang Construction Development Co.,
Ltd. for comprehensive improvement of sea areas, coastal zones and islands, strongly supporting the
latter in improving the regional marine environment.
CASE Meeting the needs of platforms for accommodating relocated businesses
In the forms of traditional credit loans and investments, Tianjin Branch has provided RMB 6 billion CASE
Promoting the transformation and upgrade of heat supply
for districts in Tianjin, , effectively supporting the development of 12 platforms accommodating projects in the Beijing-Tianjin-Hebei region
relocated businesses, including the Tianjin Economic-Technological Development Area, Tianjin In response to the government call for air pollution control, Shijiazhuang Branch provided nearly RMB
Binhai New Area Airport Industrial Zone, Tianjin Beichen High-end Equipment Manufacturing 300 million for the centralized heat supply peak-shaving boiler room and pipe network renovation
Park, and Wuqing Beijing-Tianjin Industrial New City. project in the southern area of Luquan, Shijiazhuang, easing the pressure of heat supply and
contributing to local environmental protection.
38 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 39
Supporting the integration of the Yangtze River Delta region CASE Supporting the integration of the Yangtze River Delta region
As of the end of 2021 We coordinate branches in the Yangtze River Delta region so that they can provide financial Shanghai Branch: Serving the development of the Nanjing Branch: Supporting key projects in the Yangtze River Delta region
the balance of loans of our branches support for key areas such as public services and infrastructure construction, environmental "five new towns" Responding to the call for the integration of the Yangtze River Delta region and
in the Yangtze River Delta region had protection, and industrial transformation to help build the "Oriental Pearl" in China's high- Shanghai Branch invested RMB 350 million in the Nanjing"s four action plans to boost infrastructure construction, consumption, industry
quality economic development. corporate bond issued by an urban development upgrade and urban development, Hua Xia Bank had made every effort to support major
reached RMB 617.1 billion, investment group in Shanghai, to finance municipal
development and city operations, the development
projects for promoting local transportation connectivity and new-type infrastructure
construction, developing strategic emerging industries, advancing urbanization, meeting
a year-on-year increase of 6.4%; people"s basic needs, and protecting the environment, etc. As of the end of 2021, the
of Shanghai's "five new towns," namely Jiading,
The Hua Xia Bank Action Plan for the Development of the Yangtze River Delta Region 2021-2025 Qingpu, Songjiang, Fengxian and Nanhui, and Bank had accumulatively provided RMB 100 billion to finance such key projects as the
was formulated. Focusing on the two keywords of "integration" and "high-quality," it proposes 45 facilitates the development of city clusters in the expansion of the Eastern Route of the South-to-North Water Diversion Project and the
measures, and laying out the top-level scheme for the development of regional branches in the new Yangtze River Delta. construction of supporting projects along the route, the Lianyungang-Zhenjiang high-
planning period speed railway project, the rail transit project in the Nanjing metropolitan region, and the
the deposit balance had reached RMB ecological restoration project of Dazong Lake.
569.6 billion, up 6.7%. Hefei Branch: Serving high-tech industries
Enhancing the Hefei Branch has tailor-made a High-Tech Loan product for Hefei High-tech Industrial Development Zone to boost the development of high-tech
top-level design industries. This product focuses on high-tech micro- and small-sized customers invested or to be invested by a high-tech construction investment
company in Hefei and a high-tech industry investment company in Anhui. The Branch provides them with credit or “new-type government-bank
guarantee" credit guarantee services, with the credit cap reaching RMB 10 million.
Supporting the Hangzhou Branch: Providing credit support for the construction of Hangzhou West EMU Depot
integration of the Yuhang Sub-Branch, Hangzhou, provided a fixed-asset loan of RMB 1 billion to a local transportation hub development company for the construction
Developing new Yangtze River Improving service of the roof cover project of Hangzhou West EMU Depot. As China’s first super TOD cluster project that covers both subway and railway lines and led
financial products Delta region mechanisms by the high-speed rail, the EMU depot will play a key role in guaranteeing smooth transportation services for the 2022 Asian Games and set a model
for the integrated development of the Yangtze River Delta region.
We authorized local branches to develop We strengthened the collaboration and
special products for the Yangtze River Delta coordination among local branches in project
region and launched innovative services marketing, credit line approval, risk control,
including the digital supply chain and digital etc., to promote their integrated development
factoring, based on our product pools,
effectively improving the service quality and
efficiency
The Bank holds the Yangtze River Delta work promotion meeting Hangzhou Branch provides financial support for the Yangtze River Delta integrated transportation project
HUA XIA BANK CO., LIMITED Social Responsibility Report 2021
40 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 41
Accelerating the development of the Guangdong-Hong Kong-Macao Greater Bay Area
Focusing on key areas, such as infrastructure construction and industry transformation and upgrade, we introduced new service models,
increased the financial supply, and urged local branches to form synergy with overseas branches and upgrade the cross-border financial
service system, with an aim to help build the Guangdong-Hong Kong-Macao Greater Bay Area into a world-class bay area and city cluster.
Hong Kong Branch obtained Type 1 and Type
4 licenses issued by the Securities and Futures Building a regional Guangzhou Branch and Shenzhen Branch
Retail finance, Trade finance, Realizing
Building four Work Commission, becoming a direct clearing cross-border continued to enhance comprehensive financial
Financial market, FinTech breakthroughs Infrastructure, Green finance
business pillars priorities member of OTC Clearing Hong Kong Limited financial service services and developed characteristic
in two sectors
established by Hong Kong Exchanges and system investment banking services
Clearing Limited (HKEx)
42 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 43
The first World Bank-financed battery energy storage project in the Nantou Sub-branch in Shenzhen is listed among the first group of “Shenzhen Green Financial
Guangdong-Hong Kong-Macao Greater Bay Area Institutions” by Shenzhen Local Financial Supervision and Administration Bureau
Serving the development of the Yangtze River Economic Belt
Keeping up with the latest development of the Yangtze River Economic Belt, we continue to provide high-quality financial services
for infrastructure construction, industry transformation and upgrade, and environmental protection, so as to facilitate the high-quality
development of the region.
CASE Serving the urban cluster in the middle reaches of the Yangtze River
The Pearl River Delta Intercity Rail Project supported by Guangzhou Branch
An industrial investment group in Hubei is regarded as a provincial-level AAA investment and financing entity in ecological protection and green
development of the Hubei Yangtze River Economic Belt. Its focuses on support to strategic emerging industries and key industries in the Yangtze
River Economic Belt and the construction of port infrastructure in the “Golden Waterway” of the Yangtze River. Wuhan Branch signed a bank-
enterprise strategic cooperation agreement with the group and provided credit worth RMB 2.73 billion. By the end of 2021, the branch had delivered
CASE Serving life science industry in Shenzhen loans reaching RMB 820 million to serve the construction of the Yangtze River Economic Belt.
Baguang Area of Dapeng New District is one of the innovation platforms along the Guangdong-Shenzhen-Hong Kong-Macao Innovative Technology
Corridor, and Baguang International Bio-Valley project is its first industry carrier, tasked with housing the high-end life science industries including CASE Contributing to the development of the Chengdu-Chongqing economic circle
life information and biomedicine. Shenzhen Branch has won the bid to become the sole escrow-account bank for the RMB 400 million government
bond issued for the Baguang International Bio-Valley, contributing to the development of life science industries in the Greater Bay Area and in the Pilot Chengdu Branch actively undertakes local government special-purpose bond projects. It has successfully issued bonds for a series of significant
Demonstration Zone of Socialism with Chinese Characteristics. projects, including the new engineering construction project (Phase I) of Jiujiang Wastewater Treatment Plant, the comprehensive ecotourism resource
development project along the Yangtze River in Nanxi District, Yibin City, etc., providing strong financial support for environmental governance and
protection in the Yangtze River Economic Belt.
CASE Supporting infrastructure construction in the Greater Bay Area
Hong Kong Branch issued a loan of HKD 400 million to a Shenzhen
company to support the construction of the most influential complex,
also a new urban landmark, on the west bank of the Greater Bay
Area, thereby supporting infrastructure construction in the region.
As of the end of 2021
the balance of loans for the Guangdong-
Hong Kong-Macao Greater Bay Area
had exceeded RMB 219billion, a
year-on-year increase of 10.3 %
44 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 45
The Hua Xia Bank Credit, Investment and Financing Policies 2021 was formulated in Supporting the development of the chip industry
Accelerating Industry accordance with the National Catalogue for Guiding Industry Restructuring. We moved
CASE
Transformation and faster to optimize our investment portfolio and increased financial support in key areas such
A Suzhou-based semiconductor manufacturer that produces third-generation gallium nitride (GaN) and its finished products is the world’s only
as new-type infrastructure construction, advanced manufacturing, and strategic emerging
Upgrade industries to accelerate industry transformation and upgrade. manufacturer capable of mass-producing low-voltage and high-voltage GaN chips Suzhou Branch supported the company’s chip production capacity
expansion project with an RMB 60 million credit line. The project, once completed, will make the company the world’s largest 8-inch silicon-based
GaN producer and will effectively promote the development of the domestic chip industry.
Accelerating infrastructure construction
Based on regional development strategies and city-cluster positioning, we reached out to CASE Boosting the development of the high-tech industry
key customers and provided credit loans and investment & financing support for major
projects related to transportation and water conservancy, striving to advance new-type
urbanization. The Hotland Innovation Smart Manufacturing Hybrid Fund has completed subscription, raising RMB 232 million from a variety of channels. The fund
will target growth companies in high-end manufacturing, new materials, 5G, photovoltaic energy, new energy vehicles, etc. The Bank will serve as
Closely following the regional development strategy and key infrastructure projects, we the custodian bank of the fund to support its high-quality operation and promote the rapid development of domestic high-tech industries.
identify key customers, deepen the"commercial banking and investment banking" service
model, and diversify products to improve service quality and efficiency.
CASE Promoting agricultural modernization
CASE Supporting regional transportation
Nanning Branch has provided nearly RMB 1.5 billion for a large machinery group in Guangxi Province. The loans have strongly supported the
In 2021, Changsha Branch made the third issue of medium-term notes for an expressway company’s modern agricultural machinery and robotic system projects, and given impetus to the development of its new business in areas including the
construction group in Hunan Province, with a size of RMB 2 billion, including RMB 300 development of aerial work platforms, environmental protection, and forestry machinery.
million contributed by the bank. The issuance has effectively reduced the financing cost of the
expressway company and supported the construction of regional transportation facilities.
Promoting the development of emerging industries
As of the end of 2021 With a variety of financial tools, such as credit, investment and financing, and letter of
the balance of loans to advanced guarantee, we keep improving the quality and efficiency of financial services, and provide
manufacturing had reached RMB substantial support for the transformation and upgrade of traditional industries, such as
manufacturing and agriculture. We also drive the rapid development of strategic emerging
190.744 billion industries, such as chip and integrated circuit manufacturing, industrial internet, and
artificial intelligence by serving a large number of leading companies in these industries,
such as a leading integrated circuit producer in Beijing, a large precision component
manufacturer in Shenzhen, and a leading software developer.
the balance of loans to strategic emerging
industries had exceeded RMB
97.3 billion CASE Supporting the development of the memory manufacturing
A memory company, one of our clients, is one of the major implementation platforms for the
National Memory Base Project. It is specialized in the manufacturing of NAND flash memory,
has already taken the lead at home and is catching up with the world’s best. Wuhan Branch
actively provides it with financial services such as syndicated loans, trade financing and letter of
guarantee, supporting its R&D projects, and contributing to the development of China’s flash
memory manufacturing industry.
We provide financial services for the transformation of a bearing shell company in Zhejiang
46 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 47
We actively serve the formation of the new development pattern of "dual circulation," Launched the foreign exchange swaps .Diversified cross-border financial services through capital financing and other means.Promoted R&D of innovative
Serving China's and constantly improve our cross-border financial services to support the development of products, such as interest-rate swaps and foreign exchange swaps for customers, to enrich the trade finance product portfolio to improve trade financial
Opening-up free trade zones, the Belt and Road Initiative, and Chinese enterprises seeking to expand services
overseas presence, thus helping China open up at a higher level.
Improving
the product
portfolio
Supporting the Belt and Road Initiative
As of the end of 2021 Hua Xia Bank continues to optimize its correspondent bank network in BRI partner
countries, continues to develop new trade finance products, debt instruments and inter- Major
the Bank had opened 630 bank investment services, and expands overseas business to effectively support the BRI
implementation. Expanding
approaches
correspondent banks in BRI markets Optimizing the
businesses
correspondent
of overseas
CASE Serving major BRI projects Strengthened support for export in BRI bank network Actively responded to the demand for the
branches
regions and helped Chinese companies reduce BRI implementation, and opened more
While supporting the construction of transportation hubs, water conservancy projects and financing costs correspondent banks in BRI countries
agricultural irrigation projects in core regions along the Silk Road Economic Belt, Urumqi Branch
has exploited its product innovation capability in business lines such as investment banking,
financial market and asset management, and applied a range of new financial instruments, including
non-financial corporate debt-financing instruments, structured finance, industry funds, debt for
equity swaps, and active investment.
Supporting the development of free trade zones
We improve the institutions and supporting financial services in free trade zones and
provide financial support for a new highland of opening up to the outside world. We give
full play to the advantages of free trade accounts, promote supporting financial services
based on free trade accounts, and meet the financing needs of multinational enterprises,
overseas institutions, and Chinese enterprises to go global.
CASE Supporting cross-border financing of enterprises in free trade zones
Haikou Branch has assisted a large state-owned agricultural reclamation group in Hainan in issuing
overseas bond as a cornerstone investor, helping the company to raise funds at low costs through
multiple channels. It was the first overseas bond issued by a state-owned enterprise in the Hainan
Free Trade Port, and also by an agricultural reclamation enterprise in China.
CASE Helping private enterprises in free trade zones to open up overseas financing channels
Shanghai Branch has supported a local private high-tech enterprise with the issuance of the free
trade zone (FTZ) USD bond, with an investment of USD 40 million. This was the first FTZ
USD bond issued by a Chinese private enterprise, expanding the financing channels for private
enterprises in the FTZs.
The Suolongsi-Mengzi Expressway financed by Kunming Branch
48 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 49
As of the end of 2021
the Bank had set up 1,196
correspondent banks in 316 cities
in 96 countries and regions across the
world
Optimizing cross-border transactions
The Bank accelerated the expansion of online and offline service channels to support
the internationalization of Renminbi. Meanwhile, the Bank has continued to build an all-
dimensional, tiered cross-border comprehensive financial service system to provide
convenient, efficient financial services for Chinese enterprises "going global."
In 2021 Optimizing Cross-Border Business CASE Expanding offshore funding channels for a private company in Chongqing
the Bank handled RMB 70.1 billion Innovative trade finance products Expanding global service channels
With the innovative one-stop comprehensive offshore bond service solution, Chongqing Branch has assisted a Chongqing-based industry group in
of cross-border RMB transactions taking out a 4-million-euro overseas loan under domestic guarantees, effectively expanding the client's financing channels.
Provided integrated financial services for Accelerated the construction of overseas
cross-border enterprises and introduced branches by starting the application and CASE Supporting the steady development of foreign trade enterprises
the"bill-certificate-capital-integrated" preparation for opening the representative
completed USD 164.7 billion of scheme
Launched the Salary Pass (Xin Zi Tong)
office in Europe
Promoted the development of domestic Wenzhou Branch held the meeting of "exchange rate hedging and cross-border RMB business online promotion" to analyze COVID-19-induced
international settlements obstacles for more than 30 foreign trade enterprises. It aimed to meet the needs of foreign trade enterprises through four customized exchange rate
cross-border financial service scheme to and overseas correspondent bank networks
make cross-border wage payments in a more to offer customers integrated international hedging products with differentiated and dynamic services.
efficient and convenient manner financial services in RMB and foreign currencies
Supporting Renminbi internationalization Strengthening online service capabilities
Vigorously promoted convenient cross-border Offered international services through online Supporting MSEs in "going global"
RMB settlement and improved services for channels such as online banking and mobile
new formats of international trade banking, and optimized functions such as
batch remittance to improve the customer Assisting MSEs in guarding against Reducing hedging costs Effectively improving service quality
experience foreign-exchange risks for MSEs and efficiency
Upgraded the e-banking’s batch outward
remittance service to foreign exchange Enhanced micro, small and medium-sized Provided forward foreign exchange Stepped up efforts to promote forfaiting and
purchase plus remittance, and allowed enterprises' awareness of foreign exchange settlement inquiry services for micro, small two-factor export factoring in view of the
corporate clients to transmit images while risks through more efforts in publicity and medium-sized enterprises to reduce relatively weak financial strength of private
making batch outward remittance on the Offered customized, whole-process foreign their hedging costs SMEs and their lack of collaterals
online banking channel to improve the online currency hedging solutions involving multiple Offered inquiry services of spot exchange Strengthened the application of the cross-
service capability of cross-border payment and foreign currencies and foreign exchange settlement and sale business in batches border financing blockchain platform of the
settlement services policy consulting service for some micro, small and medium-sized State Administration of Foreign Exchange
enterprises to tailor to their foreign exchange and enriched business scenarios to improve
transactions of "small amount and high the efficiency of trade finance after export
frequency" shipment
50 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 51
More Inclusive
We have been making ceaseless efforts to deepen financial
services for small and medium enterprises (SMEs) and create a
characteristic inclusive financial system. Through these efforts,
we aim to solve SMEs' difficulties in financing, facilitate healthy
development of the private sector, support rural vitalization, and
Promoting Common Prosperity
Invigorating the Market and
go all out to improve public wellbeing.
Sustainability practices
Creating a characteristic inclusive finance system and diversified
product lines to make financing easier and cheaper for MSEs and
facilitate healthy development of the private sector
Improving services for"agriculture, rural areas, and farmers" to
contribute to rural vitalization
Creating new convenient lifestyle services to the people and
going all out to serve public wellbeing
As of the end of 2021
The balance of loans for MSEs reached RMB
490.749 billion,
an increase of RMB
34.337 billion compared with the year before
The number of customer who received loans to MSEs
with no more than RMB 10 million each reached
634,700
The balance of loans to MSEs with no
more than RMB 10 million reached RMB
138.039 billion
The balance of inclusive finance loans related to
"agriculture, rural areas and farmers" was RMB
16.736 billion
The balance of personal consumption loans was RMB
471.047 billion
52 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 53
Through innovation in products, business models and management, the Bank provides Improving the quality and efficiency of services
Supporting MSEs professional, characteristic and inclusive financial services for micro, small, and medium-
sized enterprises and other private enterprises, continuously improving the quality and We strengthened the empowering role of technology, optimized financial products and expanded service channels. We lowered fees while
efficiency of financial services. improving the quality and efficiency of services, to support the financing and development of MSEs.
As of the end of 2021 The Bank upgraded its flagship products, The Bank promoted the "credit factory"model,
the balance of loans for MSEs was such as House Loan Express, launched the continuously optimized the whole process of We launched online channels and moved related services
dedicated WeChat official account, expanded credit loans, and applied the small-business
RMB 490.749 billion online service channels, introduced functions credit decision engine platform for intelligent
online. We introduced online credit evaluation, and used
big data to realize automatic post-loan management, thus
such as online mortgage and intelligent post- decision making and post-loan management comprehensively improving the service efficiency and customer
loan management, and developed financial experience
services targeting MSEs
an increase of RMB
34.337 billion Creating Promoting the
Upgrading
products and
"characteristic "credit factory" services
services" model
accounting for
Optimizing
23.68% of the total balance of all Breakthroughs in financial products
types of loans issued by the Bank four aspects of
inclusive finance The Bank actively explored new models for The "Hua Xia Bank Smart Loan for MSEs"
online lendingand enriched financial products Optimizing Creating new series of products were upgraded with such
and services for MSEs to ease their financing online loans products functions as online loan application, approval,
Strengthening Expanding pressure contract signing, and withdrawal, making the
"building a "innovative products more high-tech
professional businesses"
team"
The Head Office recruited more professionals Following national policies supporting tech
and the branches set up special teams to companies, strategic emerging industries, and
build a high-quality and high-caliber team of manufacturing enterprises, the Bank expanded
professionals financial services for key enterprises in the
supply chain
54 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 55
As of the end of 2021
the number of products the balance of online business
targeting MSEs had loans for MSEs had reached
reached 25 RMB 19.772 billion
the number of MSE customers the number of outlets
of online business loans had providing inclusive financial
services for MSEs had
reached 569,500 reached 29
CASE Supporting MSEs with convenient payment service
In response to the state's call for supporting MSEs and the real economy and in line with the
principle of "payment for the people," we have launched the Hua Xia e Cashier, a digital financial
product. By putting "scenario-based services before financial services," it allows merchants
to collect payments conveniently through various mainstream payment methods, and manage
their finances and operations on the digital management platform, thereby effectively improving
business performance.
Shaoxing Branch provides tailor-made financial service solutions for the self-employed
The Bank strengthened the customer system, improved the integration The Bank launched a special WeChat official account for its inclusive
of online financing, fund supervision and cash management, and gradually finance business - Hua Xia Bank Inclusive Financial Services for Private
moved more services online Enterprises, where MSEs can file a loan application, withdraw the
money, and sign e-contracts. The service expands the coverage of
financial services
Building a more powerful app for MSE finance Creating an integrated customer acquisition
channel for MSE finance
Upgrading
service channels
Improving online interaction of businesses Exploring customer demands in diverse scenarios
By optimizing the risk control model through iterative methods and By strengthening technology cooperation, the Bank better aligned
improving the efficiency of approval and response, the Bank managed users'financial needs with business scenarios of leading platforms and
to meet customers' needs for convenient and fast loans and improve the optimized the customer experience
customer experience
Xiamen Branch sets up an express service channel for MSEs to open bank accounts
56 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 57
CASE POS-E Loan helps POS merchants stabilize business and employment
To solve the problems faced by POS merchants, including the red tape of financing, difficulties in
submitting materials during COVID-19, and unsecured, costly and inefficient microloans, Chengdu
Branch upgraded traditional POS lending to the high-tech POS-E Loan
CASE Long Shang Loan meets the diverse financial demand of enterprises
Shenzhen Branch launched its version of Long Shang Loan, and built a new O2O online financial
service model that serves the financial needs of self-employed businesses and MSEs. As of the
end of 2021, the branch had issued RMB 1.36 billion of such loans to 14,400 MSEs.
CASE Enlarging the group of first-time loan borrowers
Wenzhou Branch took the initiative to communicate with the local market regulation bureau and
other relevant departments and served first-time loan borrowers, effectively addressing the
financing problem facing SMEs. As of the end of 2021, Wenzhou Branch had counted 91 MSEs
among first-time loan borrowers, accounting for 46.68% of the total.
Shenzhen Branch visits an optoelectronic technology enterprise
As of the end of 2021 Tackling obstacles in development
The balance of loans to MSEs
with no more than RMB 10 million To "ensure stability on six key fronts and maintain security in six key areas" and follow the
each increased by 23.69 % regulatory requirements, we made great efforts to provide financial services for enterprises
in resuming production and work during local outbreaks of COVID-19 cases. We formulated
from the beginning of the year, differentiated financial service schemes, implemented a package of favorable policies
targeting MSEs, including delayed payment of principal and interest, reached consumers
through online platforms, and moved services online to provide contact-less services,
supporting the MSEs amid routine COVID-19 control
19.81 percentage points
higher than the average growth CASE Bailing farmers out of difficulties
rate for all loans of the Bank
Xiamen Branch, in accordance with the business characteristics of agricultural enterprises,
launched the House Loan Express inclusive finance product, with one scheme for one client. By
the end of 2021, it had granted RMB 9.4 million of loans to six farmers, easing their shortage of
operating funds and effectively boosting rural economic development.
CASE The High-Tech Loan (Ke Chuang Loan) empowers high-tech enterprises
Actively responding to the state's call for supporting the growth of micro, small and medium-
sized enterprises, Hangzhou Branch has provided quality services for building a digital and smart
Hangzhou and remained true to its strategic positioning as "a financial service provider for SMEs."
It launched the High-Tech Loan, a customized product for and widely praised by micro and small Wenzhou Branch visits local MSEs
high-tech enterprises. As of the end of 2021, the branch had issued a total of RMB 19 million
of credit lines, strongly supporting the sustainable development of micro and small high-tech
enterprises.
58 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 59
Actively responding to the national rural vitalization strategy, we have established a
Supporting Rural service mechanism that supports the vitalization work, and consolidated our achievements
Vitalization in poverty alleviation while advancing rural vitalization. We have continued to serve
"agriculture, rural areas and farmers" with enhanced depth and breadth to facilitate high-
quality rural vitalization.
As of the end of 2021 In 2021
the balance of loans to rural vitalization projects was RMB the Bank newly opened
255.98 billion, and the balance of inclusive loans 2 county-level sub-
branches
to them RMB 16.736 billion, an increase of RMB
3.049 billion from the start of the year, up by
22.28%, 18.4 percentage points higher than
and 2 outlets in central
and western Chin
the average loan growth rate of the Bank
we had opened we had opened 82 outlets
109 rural outlets in old revolutionary base areas,
areas inhabited by ethnic
minority groups, remote and
border areas, and poverty-
stricken areas
The Bank has installed "smart vending machines for products from poor areas" at outlets
CASE One-to-one assistance to villages with weak collectives in Miyun District, Beijing Improving the top-level design
The Party Committee of the Bank We set up a rural vitalization leading group headed by the Li Minji, Party Secretary and Chairman of the Bank to clarify the responsibilities
sent "first secretaries" of one-to- of each member unit of the rural vitalization working group and coordinate overall rural vitalization work of the Bank. The Hua Xia Bank
one assistance to villages. Three Implementation Plan for Comprehensively Promoting Rural Vitalization in 2021 was issued to ensure effective implementation of related
outstanding CPC members from measures.
the Head Office and branches
were assigned to serve as the
"first secretary" in Shudi Village,
Xinwangzhuang Village, and Qingdian
Village of Xitiangezhuang Town, Miyun
District. A special task force was set Consolidating the achievements As of the end of 2021
up to conduct many visits. We signed
the Agreement on Municipal-level in poverty elimination
State-owned Enterprises to Help In poverty-stricken counties and districts in Inner Mongolia, Xinjiang, Qinghai, among
Villages with Weak Collectives to Strictly implementing the "four remainings others, receiving paired assistance from Beijing, we had accumulatively provided RMB
Increase Income with the above three
villages and set up assistance schemes
(responsibility, policies, assistance teams,
and oversight remaining in areas out of
5.238 billion of loans, including RMB 1.131 billion in 2021 alone, and had
featuring "one village, one plan." poverty)" requirement, we introduced offered25,000 job opportunities for locals
Targeted purchase of agricultural innovative assistance models and
products worth RMB 500,000 was continued to provide assistance with a
made to diversify the production and focus on areas receiving paired assistance
sales channels of agricultural products. from Beijing to advance high-quality rural Through direct purchases, on-demand purchases and online purchases, we had purchased over
The Bank visits Xitiangezhuang Town, Miyun District for assistance to villages with weak collectives development, improve the quality and
efficiency of rural vitalization. RMB 10 millions of agricultural and sideline products from targeted poor areas
60 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 61
We have set up special lines of credit to support the development of
industries in areas receiving paired assistance from Beijing
Enhancing paired-up
assistance
We selected and sent cadres to villages
We increased direct purchase of Consolidating the in state-level key counties for rural
agricultural products produced in Inner effect of poverty vitalization to work as resident anti-
Urumqi Branch supports Shuguang Village to develop the livestock farming industry Urumqi Branch holds the "visit and gathering" activity
Mongolia as well as in Xinjiang, Qinghai alleviation by Deepening paired poverty officials. They collaborate with
and Tibet. We launched an e-mall on boosting consumption assistance all levels of local governments, key
our banking app to sell products from of products from enterprises and credit enhancement
poor areas, a new way to boost the poor areas institutions in poverty-stricken areas
sales of specialty agricultural products to support local businesses with
credit funds, improve employment
from poor areas
and encourage business startups by
Diversifying financial products and services for rural vitalization
developing local industries, and thus
Launching more increase local income We have developed targeted and characteristic products and refined financial services for "agriculture, rural areas and farmers" to better meet
charity programs the diverse and multi-layered financial needs of rural vitalization, and channel financial liquidity to serve rural vitalization.
We continued to track the progress of existing assistance projects
to ensure the effect of our poverty alleviation efforts. Besides, we
Based on local resource We have set up taskforces
have launched new public-welfare programs to further consolidate
endowments and industries, to develop business systems
our achievements in guaranteeing that rural poor people are free Developing innovative Supporting green
we have innovated in our and apps for promoting
from worries over food and clothing and have access to compulsory credit products agricultural
product and service models the household PV system
education, basic medical services and safe housing according to local development
and developed credit products and improving the income
catering to local needs, thereby conditions of farmers. We integrated
supporting the development of traditional planting techniques
local specialty industries with PV generation and piloted
the use of PV systems in
agriculture, to support green
Offering diverse Enhancing the agricultural production in rural
financing channels for application of areas
businesses FinTech
We applied the differentiated Vigorously developing With the support of big data,
credit allocation policy for loans agricultural supply cloud computing, and other
supporting rural vitalization chain finance advanced technologies, we have
and granted more such embedded in business processes
loans. In accordance with functions including facial
the characteristics and needs recognition, online verification,
of customers, we designed electronic signatures, analysis
personalized service schemes Through cooperation with based on credit decision engines,
to support enterprises in raising key enterprises engaged online screening and monitoring,
funds through various channels in businesses for rural significantly facilitating customer
vitalization, we gave full identification and transaction
play to the exemplary role of handling and expanding the
business entities, connected scope of customer service
upstream and downstream
customers, and engaged more
small farmers in agricultural
Xinjiang cotton industry assistance project supported by Urumqi Branch modernization
62 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 63
CASE The launch of the first "Rural Vitalization" debt financing scheme CASE Preparing the rural vitalization research report
Nanning Branch, as the lead underwriter, successfully launched the fifth debt financing scheme, worth RMB 300 million and with a term of 33 On October 21, the Chengfang Fintech Forum
months, of Guangxi State Farms Group Co., Ltd. in 2021 on Beijing Financial Assets Exchange. This is the first debt financing scheme specially for and Global Fintech Summit hosted by the
rural vitalization underwritten by the Bank. People's Bank of China and the Beijing Municipal
Government was held in the New Actuation
Fintech Center. The Bank was invited to
participate in the launch ceremony as one of
CASE “Inclusive Agricultural Loan” makes loans accessible to farmers the editors of the Research Report on Rural
Vitalization Empowered by Fintech .
To solve the high threshold of, difficult access to and red tape involved in rural loans, Beijing Branch rolled out the Inclusive Agricultural Loan (Pu Hui
Zhu Nong Loan) for MSEs in rural areas and farmers. As of the end of 2021, the loan had been granted to nearly 20,000 rural customers with a
balance of RMB 1.27 billion, significantly helping consolidate the Bank's poverty alleviation achievements.
CASE Solar PV Loan for green development
Closely following the national new energy plan, Wuxi Branch, capitalizing on the strengths of Wuxi's solar PV industry, launched the Solar PV Loan
(Guang Fu Loan) for farmers to buy distributed PV power plants. The launch ceremony of Research Report on Rural Vitalization Empowered by Fintech
64 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 65
Diversifying the channels of rural financial services
The Bank continuously improves the coverage of basic financial services and the availability of loans in rural areas and drives high-quality rural
development.
Improving the financial services of resident
Expanding the coverage of digital terminals
work teams in villages
In towns, villages and other rural areas not covered by our banking We set up a permanent consultation office at the premise of resident
outlets, we distribute service terminals at partner stores to provide work teams to popularize financial policies and knowledge related to
farmers with services such as cash withdrawal and transfer, cash consumer rights protection, promote financial products and services and
remittance, fee payment, etc. . This practice helps promote inclusive enhance financial literacy in rural areas.
finance in rural areas while expanding the coverage and accessibility of
convenient financial services.
Kunming Branch promotes the characteristic Flower Grower Loan in the Kunming International Flora Auction Trading Center
CASE Flower Grower Loan (Hua Hui Loan) meeting the financial demands of floriculture
In February 2021, Kunming Branch, based on the flower transaction data from the Cloud Flowers Big Data Sharing Platform of the Kunming
International Flower Auction and Trading Center, built a financial service engine for the floriculture industry. The Flower Grower Loan (Hua Hui Loan)
was launched on its WeChat Official Account for flower growers.
Qingdao Branch supports agriculture, rural areas, and farmers
CASE Customizing the Beautiful Village Loan (Mei Li Xiang Cun Loan)
To solve financing difficulties in the rural collective economy, Hangzhou Branch launched a financial product for the construction of beautiful villages
in Jiaxing City in the new era. Through targeted credit support, cooperation with the village committee and Party branches, and information sharing,
Hangzhou Branch delivered high-quality financial services on the ground to support villages in developing their specialty industries and products and
improving the rural environment, so as to build villages with thriving industries, well-off farmers and a beautiful environment.
CASE Innovate products and support the development of agricultural industry
By deepening cooperation with key enterprises engaged in agriculture and aquaculture feed in Xinjiang, Urumqi Branch has built a model for serving
agricultural enterprises through joint efforts with local credit guarantee companies and agricultural development companies. The branch provides
upstream and downstream farmers with Breeding Loan (Yang Zhi Loan) and Cotton Grower Loan (Mian Nong Zhong Zhi Loan) to finance their
modern agricultural and high-tech agricultural projects to advance agricultural science and technology, develop the modern seed industry, and Yinchuan Branch supports local industries for rural vitalization The public financial education station donated by Nanning Branch to spread financial knowledge
manufacture agricultural machinery and equipment. to the countryside to facilitate rural vitalization
66 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 67
Hua Xia Bank goes all out to serve people's wellbeing. Dedicated to enhancing people's Supporting projects vital to people's wellbeing
Innovating in Financial sense of security, gain and happiness, we have reformed the way of running business and
Services to Benefit providing financial services that are safe, professional and considerate to meet people's
By developing products and services around the third-generation social security card and the debit card themed on the coordinated
aspiration for a better life.
People development of the Beijing-Tianjin-Hebei region, Hua Xia Bank provides customers with a package of affordable and convenient financial and
lifestyle services through flexible and diverse business models.
Serving personal consumption CASE The third-generation social security card benefiting local residents
We have upgraded our consumer financial products, to boost the supply of consumer goods As of the end of 2021
In Shenzhen and Xining, we offered comprehensive financial services through the Bank's third-generation social security cards for local residents. The
and consumption in areas vital to people's living standards. Focusing on the "consumption- the balance of personal consumption loans
cardholders are exempt from the card production fee or the handling fees.
scenario-ecosystem" model and taking into account residents' core consumption needs for
food, clothing, housing, daily necessities and transportation, we have established a consumer
was RMB 471.047 billion
finance ecosystem covering online and offline scenarios to increase financial support for
small-amount personal consumptions.
CASE Providing integrated services for residents in the Beijing-Tianjin-Hebei Region
Benefiting more customers through optimized functions, diverse withdrawal verification We continuously improve the functions of the debit card themed on the coordinated development of the Beijing-Tianjin-Hebei region, and
Hua Xia e Loan methods, extended withdrawal validity period and differentiated credit line granting provide local cardholders the same access to integrated outlet services, rate discounts, wealth management services, VIP services, loan and
financing services, group card use, and convenient payment services.
Supporting Decoration Loan (Zhuang Integrating scenarios of home decoration and parking space into consumer credit services through CASE The Healthcare Loan (Yi Bao Loan) enhancing health security
consumption Xiu Loan) and Parking digital technologies to provide customers with more convenient and higher-quality consumer
upgrading Space Loan (Che Wei Loan financial services
Through great efforts in the development of innovative digital inclusive financial products and services, Dalian Branch had built a bank-medical
institution credit information sharing mechanism. Based on the medical insurance billing data of designated pharmacies and clinics, the Bank developed
the Healthcare Loan (Yi Bao Loan), which is connected with the medical insurance date sharing platform to provide health service loans for clients.
Elite E Loan Improving the customer experience by bringing account opening, contract signing, loan granting
(Jing Ying E Loan) and repayment to the online platform
CASE Heart Warming Loan (Nuan Xin Loan) to heat supply companies
Based on a comprehensive understanding of residents' heating demand and the operation of heat supply companies, the Bank launched the Heart
Warming Loan (Nuan Xin Loan) for micro and small heating enterprises, including private ones, with fast application review and credit line granting,
thereby helping ensure stable heating supply during winter.
CASE Two brands of wealth management and private banking released
On October 15, 2021, the Bank launched two brands of wealth management and private banking. Under the theme of "Serving a New Era and
Building a New Hua Xia Bank", the Bank improved the efficiency of wealth management by putting in place an open wealth management ecosystem.
We established the new "olive-type" customer service model and adapted to overall transformation of the big wealth market. Through the innovation
of the customer service model, we aimed to add more values for ordinary customers and offer targeted personalized financial services to middle-class
and high-end customers.
The launch ceremony Shenzhen Branch staff visits self-employed customers in Huaqiangbei
68 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 69
Smarter
Always pursuing innovation-driven development and being
oriented toward customer demand, we keep promoting the digital
transformation and strive to realize the leap from digital value to
digital credit. In order to improve the efficiency of financial services
and improve customer experience, we keep expanding online
and Upgrading Financial Services
Accelerating Digital Transformation
and offline service channels. Through the organization of financial
knowledge publicity and education activities, we firmly guarantee
the legitimate rights and interests of customers.
Sustainability practices
Facilitating the digital transformation and promoting the
development of the digital economy
Creating an industry-wide digital ecosystem, building an online-
offline integrated service model, enhancing product and service
innovation
Protecting customer privacy and other rights and interests,
actively serving elderly customers and other special customer
groups, and continuing to carry out financial knowledge publicity
and education activities
In 2021
the mobile banking app handled
80.0786 million transactions
the Bank organized
16,743 public financial education
and publicity activities
As of the end of 2021
the Bank had set up priority
counters for vulnerable groups at
921 outlets
the Bank had put in place
accessible facilities at
918 outlets
70 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 71
The Bank pursues innovation-driven development, and strengthens the empowering role
Promoting Digital of FinTech. Driven by the industry-wide digital ecosystem and the consumption digital
Optimizing resource allocation
Transformation ecosystem, we strive to deepen digital transformation and provide customers with mobile,
digital and intelligent financial service.
We have opened digital innovation workshops,
introduced the horse racing mechanism, and
Pay attention to talent mobilized digital research and innovation Creating a pro-innovation
training resources of the bank to support digital atmosphere
Improving the top-level structure innovation projects
At the 2021 Global Digital Economy The Hua Xia Bank 2021-2025 Digital Transformation Action Plan was formulated, defining
Industry Conference, Hua Xia Bank's the priorities for digital transformation in the next five years We built six platforms with
six themes, namely the open ecosystem, precision marketing, smart operation, smart Launching a thousand-people pilot program We have increased support for digital
industry-specific digital finance project was
risk control, legal compliance, and value management. The platforms will connect various for digital talents, and developing new innovation, set up innovation incubation funds
selected as one of courses and training systems for digital and innovation risk reserves, and created
business lines and subsidiaries horizontally and, the Head Office and all branches vertically,
the top ten cases of digital talents in innovation areas; carrying out basic a favorable innovation atmosphere that
better preparing the whole bank to go digital. We defined 120 key tasks under 40 themes
transformation of enterprises in China in ten areas, formulated action plans for the digitization of 22 business lines, and advanced training for data analysts, and organizing encourages trials and is fault-tolerant
Building innovation
the in-depth implementation of key tasks. special training camps in modeling to improve platforms
the data analysis and modeling capabilities of
business personnel
At the 2021 Banking Digital Momentum and
Financial Innovation Summit and the 17th
Publicity Year Annual Ceremony co-hosted The organizational
by the China Financial Certification Authority At the planning structure for At the business
(CFCA) and the China Joint E-Banking level promoting digital application leve
transformation Strengthening digital governance
Promotion Year, the Bank was awarded
the FinTech Innovation Award and
Granted the We vigorously advanced the Yuzhi Project, our top digital technology project, deepened
the Digital Finance Innovation Award
data governance and digital asset management, facilitated the release of data value and
“2021 Outstanding Data
The Bank has set up two groups and The Bank has appointed 801 data officers empowered our business with data.
Contributor”
two committees, namely the digital and data management specialists in the
issued by the People’s Bank of China
transformation leading group, the Yuzhi Head Office, branches and subsidiaries to
Project leading group, the innovation coordinate data management across the
committee, and the adjudication bank
committee We also established the Industry-Specific Reshaping the three-tiered pyramid organizational structure of data
The digital transformation promotion Digital Finance Department responsible for Listed by the China Banking and Insurance governance, establishing the accountability mechanism for data governance,
office headed by the Vice President innovation in the field Regulatory Commission as a and clarifying 1,659 pieces of basic data and 291 indicator departments
takes charge to advance the digital
“Member of the Data Governance
transformation tasks across the bank
Senior Expert Guidance and
Coordination Committee”
Promoting construction of the "two warehouses and two lakes", building an
corporate-level data technology foundation based on the data lake, virtual lake,
graph technology, and blockchain for the establishment of a corporate-level
data center; aggregating internal and external data and breaking down data
silos with the "four horizontal and two vertical" data architecture
Building a data asset management system, and rapidly implementing pilot
projects around the four major data application themes including precision
marketing, intelligent risk control, regulatory compliance, and intelligent
management
72 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 73
Building a win-win ecosystem
Hua Xia Bank has strengthened communication with partners such as upstream and downstream customers of the industry chain and research
institutions, and carried out technology cooperation to promote the R&D and commercialization of R&D results.
Establishing joint innovation laboratories with
leading high-tech companies such as Huawei
and Tencent to promote the R&D and
application of key technologies
Joint innovation
Scan the QR code
Through cooperation with partners Cooperating with well-known to watch the Bank's
from manufacturing, energy, logistics universities such as Tsinghua University exhibition at CIFTIS
and other state-level key strategic and the University of Science and 2021
industries, developing a number of Innovative Cooperation with Technology Beijing to build the
Hua Xia Bank attends the China International Fair for Trade in Services (CIFTIS) 2021
industry-specific ecosystem service service models universities and ecosystem and application scenarios for
solutions, such as the development colleges new technologies
of vertical industrial-chain ecosystem
based on core enterprises and the
development of horizontally interwoven
ecosystem based on the energy internet
platforms
Guarding against technology risks
We strengthen FinTech risk management and technology support to protect customer privacy and property. In 2021, the overall availability
rate of important information systems during main business hours reached 100%.
Employees of the Bank paint on Chinese circular fans for customers at CIFTIS 2021 An employee of the Bank introduce products to visitors at CIFTIS 2021
Improving the operation and Realizing the dual-task and multi- Continuing with data governance Conducting compliance monitoring
maintenance management system Strengthening task deployment for important and strengthening the management of all mobile transaction apps and
the control over Multi-tasking Institutional Self-inspection
to keep risks in operation and information systems, and steadily of information technology rectifying problems identified;
operation and construction arrangements and monitoring
maintenance under control; improving the robustness and outsourcing risks improving the organizational
eliminating hidden risks and maintenance risks capacity of the systems mechanism; testing security
enhancing the ability to continuously Protecting technologies across the bank
ensure business stability through Ensuring the safe the security on a quarterly basis; performing
practical exercises and stable system of customer purpose-specific rectification tasks
operation information
Building a work environment based Building a unified operation and Participating in the China Continuing to strengthen
on the full-stack cloud platform Providing high- Intelligent operation maintenance platform for the Head Cybersecurity Week campaign; Publicity and Technology- data protection for remote
to offer basic cloud services on quality resources and maintenance Office and branches to realize offering special training for all training enabled working, terminal authentication
computing, network, storage, automatic, mobile and intelligent employees through multiple protection management and terminal security
database, container, etc. operation and maintenance as well channels control, and cleaning up sensitive
as rapid fault handling information in time
74 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 75
The Bank has deepened the integration of finance and technology, promoted the
Improving Corporate transformation and upgrading of models for offering corporate banking services, and
Banking Services innovated in products and services according to transaction scenarios in the upstream and
downstream of the industry chain, thereby creating an interconnected business ecosystem.
Building service platforms
In order to meet the demand for remote After restructuring based on the cloud
working, the Bank has launched a series native development platform, we issue
of online corporate banking services, letters of confirmation online
such as account opening by appointment, Mobile corporate WeChat-based
issuance of certificates of deposit, and banking banking services
payment through code scanning. By the Hua Xia Bank, as one of the first cooperative banks, and the Shanghai Clearing House have joint launched the commodity "Clearing Pass" (Qing Suan Tong) service
end of 2021, we had signed a total
of 134,100 accounts, an increase of
28,400 or 26.89% year on year
Deepening strategic cooperation
It had served more than 600 enterprises We have opened a supermarket of We continued to support the reform and development of large central SOEs and local SOEs, increased our efforts to serve listed companies,
in more than a dozen industries, such The cash The cloud platform FinTech products on it, supporting nearly leaders in emerging industries and growth enterprises, and strengthened strategic cooperation with them. In 2021, we implemented the
as transportation, wholesale, retail, and management for intermediary 300 characteristic services in 14 business Action Plan for the Development of Central SOE Clients in accordance with the Three-year Action Plan for SOE Reform. We held talks with
foreign trade platform service scenarios more than 20 central SOEs and actively provided diversified financial services for them. We signed strategic cooperation agreements with two
large central SOEs and four provincial (municipal) governments.
CASE Issuing the first bond to guarantee energy supply for a subsidiary of a central SOE
On December 2, 2021, Nanjing Branch underwrote a central SOE Jiangsu energy company's 42nd tranche of super & short-term commercial paper
Pursuing product innovation (for guaranteeing energy supply) in 2021, with an issue size of RMB 600 million. This was the first bond for energy supply security issued by the
client and underwritten by the Bank.
Focusing on national strategic industries, such as advanced manufacturing, new energy, and smart logistics, we have developed industry-
specific digital finance solutions in vertical domains of the ecosystem. Meanwhile, centering on transaction scenarios in the upstream and
downstream of the industry chain, we have enriched digital product lines for financing and settlement purposes, so as to enhance the ability
to provide follow-up services for capital transactions and the comprehensive coverage of opportunistic services, and better serve the real
economy.
We have launched the digital product
pool, digital factoring, pledge loan against
warehouse receipt, and digital logistics loans.
By the end of 2021, we had granted more Digital products
than RMB 2.8 billion to more than 120 for financing
enterprises To provide clearing and settlement services for
business entities conducting spot commodity
transactions, Hua Xia Bank has cooperated
with the Shanghai Clearing House in launching
the commodity "Clearing Pass" (Qing Suan
Digital products Tong) service. By the end of 2021, it had
for settlement completed more than 18,000 transactions for
over 150 clients, with the unilateral trading
volume close to RMB 24 billion An energy supply project supported by Nanjing Branch
76 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 77
Committed to providing customer-centric financial services, we continued to optimize online
Improving Customer and offline service channels, collect and respond to customer feedback, and improve the
Services overall availability of financial services.
Expanding service channels
As of the end of 2021 We continued to optimize the distribution of banking outlets, deepened their upgrading, and
the Bank had made online services more convenient and user-friendly.
1,008 branches in total, According to the Hua Xia Bank Work Plan for Outlet Transformation and Upgrading
covering all provincial capitals formulated, we built modern, intelligent, scenario-based outlets that offer a smooth,
(except for Tibet) and convenient customer experience. As of the end of 2021, eight branches had started to
upgrade their banking outlets, and Beijing Branch, Shenzhen Branch and four others had
122 cities above prefecture- completed the upgrade of 15 outlets.
level across the country
We have upgraded to the new-generation self-service banking machines and reconstructed
the new-generation self-service banking system with big data and smart technologies,
to improve the equipment performance and customer interaction performance. The self-
service banking system has significantly improved the customer experience by shortening
1,042 self-service banking the average duration of self-service transactions by 40%, increasing operational efficiency
facilities by 30%, and can handle more than 80% of personal banking services.
In 2021
the Bank opened
12 new banking outlets
Intelligent service provided at an outlet of Shenyang Branch
As of the end of 2021 In 2021 We have also deepened the application of advanced technologies such as 5G and AI to
the Bank had installed The monthly active users of our provide more convenient services online.
2,736 self- personal banking app increased by
service banking machines
in total 36.35% from the previous year We always put customers first and
continue to provide mobile banking
WeChat mini- services that are "fast, user-friendly,
with program appealing, economical, and enjoyable."
2.71 self-service
banking machines per
outlet
It provide users with services including
financial information, select products,
energy points, one-click appointment, Mobile banking
online account opening, and e-contract
signing
78 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 79
Improving the service quality and efficiency Responding to customer complaints
We take multiple measures to continuously improve the service quality and efficiency, and The Bank has always attached great importance to complaint assume our main responsibility for complaint handling and continue
enhance customer satisfaction and social influence. management. Under the leadership of the Board of Directors, the to improve complaint management.
Party Committee of the Bank and the management team, Hua Xia
Bank has always regarded complaint management as a key task in We handle complaints in a timely and proper manner in strict
Optimizing service performance applying the people-centered development philosophy as an SOE. accordance with the procedures, and never reject any complaint
We offered unimpeded channels, listened to customers, addressed without justifiable reasons. In 2021, the Bank received a total of
their concerns, and proactively fulfilled our due responsibility as 40,154 customer complaints (including all complaints received
We improved the service management system, strengthened employee training, and supervised and checked the delivery of services, to a banking institution for consumer rights protection. We gave by the Head Office, the credit card center and all branches, and
provide better financial services. Twenty-four of our banking outlets were awarded the title of Top 1,000 Banking Outlets for Customer full play to the positive role of consumer complaints in improving through the customer feedback worksheets). We completed the
Friendly and Standardized Services of 2021. corporate governance, promoting business development, and handling of 99.15% of customer complaints within 15 days, and
optimizing financial services, thereby laying a solid foundation for resolved all customer complaints we received in 2021, winning
high-quality development. In 2021, we resolutely implemented a 92.88% customer satisfaction rate for complaint handling.
regulatory requirements. We orderly improved the complaint Taking into account the impact of COVID-19 and other factors,
Incorporating service supervision, Organizing training on service
management mechanism for the emergency management of serious we stepped up efforts in cause analysis and problem rectification,
inspection and improvement for customers with special
customer complaints, diverse ways of resolving financial disputes, particularly for the majority complaints concerning consultation for
into consumer rights protection, needs and on skills for
Strengthening Carrying out assessment of complaint management, etc. We further cleared the loan repayment and debt collection and based on the local reality
and promoting the work in a handling customer complaints,
supervision and special training complaint handling channels, diversified the disclosure forms for of Guangdong, Shandong, Jiangsu and Beijing where customers
systematic manner and strengthening daily
improvement complaint channels, regulated the complaint handling process to complaints are concentrated, consolidated the basis of complaint
communication and assistance
produce better effects, strengthened complaint analysis, enhanced management, and improved our ability to offer better financial
Measures traceability and rectification, and introduced diverse ways to resolve services.
for service financial disputes. These efforts have enabled us to effectively
improvement
Actively promoting the building Comprehensively conducting
of top 1,000 model outlets, intensive, routine service-
Building model Optimizing The Hua Xia Bank Administrative Measures for the Assessment of Customer Complaint Management
and exploring new practices of themed publicity activities, and
outlets publicity (Trial) , the Hua Xia Bank Administrative Measures for Diversified Resolution of Financial Disputes
customer-friendly and well- launching diversified service
methods (Trial), and the Hua Xia Bank Contingency Plan for Handling Serious Customer Complaints were
regulated service management projects
issued. The complaint management mechanism was improved
Improving the
management
mechanism
We train em ployees on We improved traditional
complaint handling to improve customer complaint channels
their ability to resolve Optimizing such as letters and visits, and
disputes. By the end of 2021, Enhancing skill Improving the disclosed complaint handling
complaint handling complaint
five such training sessions training channels channels and procedures on
were organized for more than mechanism our WeChat official account to
180 participants improve transparency
Diversifying
ways of
resolution
We have earnestly assumed the responsibility for resolving financial disputes, actively promoted
diversified resolution of disputes, and provided mediation promptly to avoid conflict escalation. In
The "library bank" opened by Beijing Branch 2021, we successfully mediated in more than 160 disputes
80 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 81
Customer satisfaction management
With a scientific and systematic questionnaire design, tracking and customer experience management, and respond to customer
analysis mechanism, we are able to carry out systematic customer concerns and the market demand more quickly, thereby enhancing
satisfaction surveys, and ensure ongoing effective collection, customer satisfaction and our brand image. In 2021, customer
analysis and evaluation of customer feedback. This has allowed us satisfaction with the Bank's 95577 hotline was 99.66%.
to grasp the changes in customer demand, continuously strengthen
Serving customers with special needs
The Bank provides considerate services, both online and offline, for customers with special needs, including the elderly, military personnel and
veterans, and rural migrant workers.
In 2021
the Bank had set up priority counters put in place accessible
for vulnerable groups at facilities at
5,353,800 elderly clients, an increase of 921 outlets 918 outlets
610,000 or 12.86% from the beginning of the year
Shanghai Branch offers high-quality services to elderly customers
We have launched a more user-friendly version of the mobile banking app that offers special
financial services through large fonts, voice service, etc.
We have promoted the construction of banking outlets, and improved accessible passages and
other facilities to provide convenient financial services for elderly customers
Expanding
service channels
Financial
services
We select various wealth for senior Through a variety of
management products citizens educational activities, we
such as fund of funds publicize financial basics
(FOF) for senior care among elderly customers
We offer customers Diversifying Organizing and help them with the use
diversified insurance product educational of smart devices, thereby
products and high- portfolios activities closing the digital gap for
quality pension services the elderly
Convenient service facilities in outlets of Hua Xia Bank
82 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 83
Attaching great importance to consumer rights protection, the Bank is committed to
Protecting Consumer providing consumers with safer and higher-quality financial services.
Public education on finance
Rights and Interests By the end of 2021, The Bank actively participated in financial education activities organized by the People's
the Bank had Bank of China, China Banking and Insurance Regulatory Commission, Ministry of Public
Security, China Banking Association, and Payment & Clearing Association of China for
invested RMB 5,567,500 consumers. A long-term financial education mechanism is established to improve financial
in public education on finance literacy by means of extensive and targeted education activities online and offline to raise
consumers' awareness of financial risks.
Strengthening basic management
Putting people first, we continued to step up comprehensive consumer rights protection by engaging all employees in all business lines and
processes, and improve the consumer rights protection mechanism. We exert the positive impact of consumer rights protection on corporate
held 16,743 activities
CASE A radio program to improve public financial literacy
governance, business development, financial services, and the building of corporate culture and brand, so that we can provide consumers with
better financial services.
From September 1 to 3, 2021, Shanghai Branch, together with the Office of the Joint
reached an audience of 38 million Working Conference on Counterfeit Deterrents of the Shanghai Municipal People's Government
and Shanghai Traffic Radio Station, launched a live-broadcast radio program to crack down on
The Board of Directors, the Board of Supervisors, and the counterfeit money and communicate concise and easy-to-understand financial knowledge to
senior management strengthened overall coordination, research, the audience. The program was widely recognized, attracted a total of 100,000 interactions,
and distributed
and guidance for consumer rights protection. Relevant strategic and was forwarded twice by the official WeChat account of the Office of the Joint Working
goals of consumer rights protection were written in the 2021- 3,280,800 Conference on Counterfeit Deterrents, producing the desired publicity effect.
2025 Corporate Development Plan copies of brochures and leaflets
The Bank improved
the setup of internal The Bank optimized the
evaluation indicators with management system, and
strengthened assessment continued to build teams for
Integration
and evaluation, tracking of consumer rights protection
into corporate
rectification, monitoring and in all relevant business lines
governance
evaluation. The bank also of the Head Office and the
enhanced the application Systematic A professional
branches, so as to offer
of assessment results in assessment and organizational
independent, authoritative
business management, and evaluation structure
and professional protection
incorporated the results of consumer rights and
into the comprehensive interests
performance evaluation
system according to strict "Seven-sphere"
standards consumer rights
A growing
protection
Routine supervision consensus of
and rectification opinion
The Bank improved the The Bank enhanced political
supervision and inspection stance, enabled employees
of the protection of to think in big-picture
consumer rights and terms and holistically, and
interests, and combined developed a fair and honest
problem identification A publicity An institutionalized culture and concepts of
with internal control to matrix review consumer consumer rights protection
improve the quality and protection to realize the integration
efficiency of rectification, and mutual promotion of
thus promoting the consumer rights protection
penetration of consumer and business development
rights protection into
business management and
To promote the institutionalization, normalization The Bank strengthened control and management
operations
and diversification of education and publicity on at the source, optimized the review process,
consumer rights protection, the Bank created and took proactive actions, so as to implement
an education and publicity network online the whole-process management and control of
and offline, consisting of intense group study consumer rights protection
sessions and education and publicity bases Guangzhou Branch popularizes financial knowledge in a primary school
84 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 85
Lower Carbon Emissions
Hua Xia Bank is committed to promoting green and low-carbon
economic and social development through financial services. Guided
by the strategic goal of "making every effort to develop green
finance as a new characteristic", the Bank continues to deepen
international cooperation, optimizes the investment and financing
to China's 3060 Decarbonization Goal
Promoting Green Development and Contributing
structure, and continuously introduces new green financial products.
The Bank strives to achieve carbon neutrality while building itself
into a "climate-friendly bank in China", and works for "Green
Growth for a Better Hua Xia".
Sustainability practices
Developing green finance, strengthening international cooperation,
adopting the ESG investment philosophy, actively responding to
environmental risks, and building a green financial brand with Hua
Xia Bank's own characteristics
Supporting green transportation, and promoting green
transactions
Carrying out responsible sourcing, practicing green operation, and
engaging in environmental protection public-interest activities
As of the end of 2021
Balance of green loans
RMB
208.477 billion
Balance of climate-related financing
business
RMB
206.567 billion
The accumulative value of ESG-
themed assets under management
RMB
26.338 billion
ETC cards issued
3,277,400
86 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 87
86 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 87
As of the end of 2021
208.477 billion,
The balance of green credit had amounted to RMB
an increase of RMB 28.434 billion or 15.79% over the beginning of the year,
equivalent to saving 1,327,200 TCEs
and the emissions of3,111,100 tons of CO 2
and saving 11,137,200 tons of water.
Developing Green Finance Over the years, the Bank has highly valued the development of green finance, and actively
promoted green development. In our latest corporate development plan, we put forward the
CASE Offering financial support to an onshore wind power project
strategic goal of "making every effort to develop green finance as a new characteristic," and Urumqi Branch granted a RMB 320 million credit line to a 49.5MW wind power project constructed by a wind power limited liability company in
propose to transform the credit structure, launch new green financial products and services, Mulei Kazakh Autonomous County. After completion, the project is expected to transmit 130,456.3 MWh of electricity to the power grid annually.
promote international cooperation and support biodiversity conservation. After years of Compared with thermal power plants of the same scale, the project is expected to save about 53,600 tons of coal equivalent (TCE), and reduce
exploration, a green finance development mechanism with controllable risks and commercial about 37.9 tons, 26.1 tons, 52.2 tons, and 173,500 tons of smoke and dust emissions, sulfur dioxide emissions, ammonia dioxide emissions, and
sustainability has taken shape. The Bank will continue to deepen the green finance development carbon dioxide emissions, respectively.
strategy and strive to develop green finance as a new characteristic and a new edge.
CASE Supporting a hazardous-waste treatment project
The Head Office Branches
Hangzhou Branch granted a eight-year loan of RMB 45 million to a hazardous-waste landfill project undertaken by a Zhejiang environmental
technology company, which is the first rigid landfill in the province. Compared to a flexible landfill, the rigid landfill can more effectively isolate leakage
The Green Finance Management Committee is set up to coordinate the The Green Finance Department is set up in 15 branches including the and reduce soil and water pollution. As of the end of 2021, Hangzhou Branch had issued RMB 38.5 million. After put into operation, the project is
development of green finance across the Bank, and the Green Finance Beijing and Nanjing Branches, responsible for green finance management expected to treat 2,800 tons of hazardous waste for the local area every year, helping improve the local environment.
Center to promote green finance business and risk control. Another 12 institutions are selected to pilot green finance
business, with pioneering practices encouraged in institutional building,
business management, specialization, and capacity building
CASE Improving the mining environment
Focusing on green credit
Nanjing Branch issued a green loan of RMB 217 million to an environmental governance company in Zhenjiang City, to improve the environment of the
local mining area that was severely damaged due to disorderly mining, restore the local water environment, solve stagnant water pollution, and better
To achieve the carbon peak and neutrality goals, we continued to raise the proportion of green credit business. While strictly controlling credit the production and living environment near the mining area.
granting to industries with high pollution, high energy consumption, and overcapacity, we ramped up financing for green and low-carbon
industries and built a greener credit structure. With a focus on low-carbon industries such as renewable energy, green transportation, and
green buildings, we supported industries adapting to climate change such as green infrastructure construction and water resources.
88 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 89
Launching new green products In 2021 CASE Releasing the ESG bond index
In December 2021, the Bank and China Securities Index Co., Ltd.
As of the end of 2021 Serving the key areas for China's carbon peak and neutrality, the Bank has improved the the Bank issued and raised RMB
jointly released the CSI-Hua Xia Bank ESG Select Index. The index
comprehensive service scheme for green finance and implemented the national guidelines
and policies for promoting the healthy development of the renewable energy industry. 11 ESG-themed wealth 7.543 billion is designed to measure bonds with sound ESG evaluations and high
returns and highlights the proportion of strategic emerging industries
The Bank's green investments had reached We actively develop green leasing and continue to introduce new climate-related financial management products
such as information technology and new energy to guide capital flows
RMB 14.263 billion, products and service models. The Bank has launched a series of carbon-related financial
products. On the day the carbon market was unveiled, the Bank launched the first carbon-
to high-quality companies with good ESG performance. In the future,
including As of the end of 2021 the Bank will promote the application of the index and related and
related forward transaction L/G product in the banking industry, becoming one of the first
investment, closely follow the trend of China's strategic transformation,
settlement banks in the carbon market.
and promote ESG investment in China.
the cumulative value of ESG-themed wealth products under
RMB 3.33 billion in funds of green-
management amounted to RMB 26.338 billion
themed bond special accounts
CASE Supporting the development of green industries with green financial bonds
In 2020, the 20 Hua Xia Bank Green Finance 01, the first issue of Hua Xia Bank's green bonds
RMB 1 billion in green industry funds 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 2021, all the money raised had been invested in 84 projects in six areas:
RMB 7.167 billion in green bonds
energy conservation, clean transportation, clean energy, ecological protection and climate change Deepening international cooperation
adaptation, pollution prevention and control, resource conservation and recycling.
Focusing on areas such as climate investment and financing, the Environment Facility (GEF), the Bank completed the environmental
Bank continues to deepen international cooperation in green finance stress testing and carried out research on multiple topics such
Hong Kong Branch and Wuxi Branch working together to undertake the
CASE by actively engaging with international organizations such as the as the opportunities facing the regional smart energy and energy
USD 110 million of foreign-currency first overseas green bonds
World Bank and AFD, thus steadily raising its global influence. efficiency market in the new situation as well as the plan for
bonds In 2021, through the Small Grants Program of the Global building information systems of green finance.
On December 7, 2021, Wuxi Construction and Development Investment Co., Ltd. issued
overseas bonds worth RMB 1.914 billion, the first overseas green bonds underwritten by
the Bank. Our Hong Kong Branch and Wuxi Branch, through investment and underwriting
RMB 2.062 billion in green bonds cooperation at home and overseas, deployed targeted marketing strategies, and beat many other
underwriters to become the global coordinator of the issuance. The deal further improved the As of the end of 2021
issued by financial institutions
Bank's reputation and influence in the overseas bond market.
the Bank's sub-loan projects provided financing
services for
saved 3.73 million reduced 28,300
RMB 30 million in asset-backed had introduced USD 1 tons of standard coal every tons of sulfur dioxide
securities billion of foreign capital 98 projects in year from the portfolio
projects
18 provincial
invested RMB 10.8 billion regions across
the country
reduced 9.12 million and reduced 28,000
in local and foreign currencies in tons of carbon dioxide tons of nitrogen oxide
cooperation projects
ESG practices
The Bank has incorporated ESG concepts into the core investment and financing strategies,
and completed the comprehensive integration of ESG into the wealth management and asset
management systems based on the entire investment process management framework. We
have also independently developed ESG evaluation and data systems to score all types of CASE China Renewable Energy and Battery Storage Promotion Project supports clean energy development
assets.
China Renewable Energy and Battery Energy Storage Promotion Project is the World Bank's largest energy storage project and China's first financial
As a signatory to the UN Principles for Responsible Investment Association (PRI), the Bank project dedicated to energy storage. Its sub-projects have been implemented in Hefei, Guangzhou, Nanjing, and Hubei. Starting with the project and
independently assessed and reported responsible investment status in 2020 to the PRI. In the ongoing Innovative Financing Project for Air Pollution Control in the Beijing-Tianjin-Hebei Region, the Bank has extended financial support from the
2021, our practices were shared, in both Chinese and English, in the "Signatory Story" production to the storage, transportation, and innovative utilization of clean energy, effectively providing financial services for the entire industry chain
column on the PRI official website and WeChat official account, showing to the global and building a financial service platform that supports the development of clean energy, thus contributing to building a clean, low-carbon, safe and
market a Chinese asset management institution's practices of responsible investment. efficient energy mix in China.
90 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 91
In line with the Guidelines for Establishing the Green Financial System and the Green
Building a green culture Addressing Environmental Credit Guidelines jointly issued by the People's Bank of China and the China Banking
Branding: The Bank has launched green finance brands, registered Training: The Bank held three training sessions on green finance in
Risks and Insurance Regulatory Commission, etc., the Bank has strengthened environmental
and social risk management, and improved the ability to identify, measure, monitor and
the slogan "Green Growth for a Better Hua Xia" and five 2021, covering policy interpretation, carbon emissions reduction control environmental and social risks in its credit business. Relevant policies and process
trademarks, updated and released the Hua Xia Bank Handbook for tools, environmental and social risk management, to 3,000 management are improved and a sound environmental and social risk management
the Visual Identity System of Green Finance, and prepared a new participants including green finance professionals, credit granting framework is in place.
green finance comprehensive service scheme as well as key visuals professionals, and account managers.
to strengthen its brand communication capabilities.
Following the principles of The Bank prudently
blanket coverage, classified controlled risks in credit
management, and dynamic investigation, credit review
Supporting biodiversity conservation control, the Bank made a and approval, contract
list of accounts vulnerable signing, granting, and post-
to environmental and issuance services
During the 15th meeting of the Conference of the Parties to the UN In the future, we will act upon the Initiative, tighten control over
social risks and provided
Convention on Biological Diversity (COP 15) held in 2021 in China, biodiversity risks, guide biodiversity investment, and increase
corresponding account
the Bank, together with the International Finance Forum (IFF) and biodiversity investment and innovation. We will also promote
management services
the World Resources Institute (WRI), initiated and joined the Global biodiversity publicity and cooperation to mobilize more financial
Joint Initiative on the Partnership of Biodiversity and Finance. We resources for biodiversity conservation.
also signed the China Banking Association"s Joint Declaration of the
Three improvements
Banking Sector to Support Biodiversity Conservation , contributing to
in environmental
global biodiversity conservation with concrete actions.
Management and social risk Process
management
CASE Supporting biodiversity conservation projects
Tiaozini Wetland in Dongtai City, Jiangsu Province is the 54th UNESCO World Heritage site and the 14th natural World Heritage site in China. As Policies
an important stopover and habitat for migrant birds, the wetland welcomes millions of migratory birds of nearly 200 species every autumn. The
Bank granted a loan of RMB 150 million to fund the renovation of the wetland park, the construction of wetland exhibition hall and the themed hall of
critically endangered species, and the improvement of bird monitoring systems, contributing to biodiversity conservation.
The Bank improved the
credit business environment
and social risk management
process for legal persons
that are non-financial
institutions
In order to better identify and respond to opportunities risks facing the economic system
in the process of climate change, the Financial Stability Board, which includes the central
banks of major countries around the world, established the Task Force on Climate-related
Financial Disclosures (TCFD) in December 2015 to assist companies in climate-related
financial information disclosure.
Aiming to become a “climate-friendly bank”, the Bank became a TCFD supporter
in August 2021. In the future, from the four aspects of governance, strategy, risk
management, indicators, and goals, the Bank will clarify the impact of climate-related risks
and opportunities on the Bank’s business, strategies, and financial planning at the strategic
level, improve the business process and disclosure methods for climate risk management,
better environmental information disclosure and comprehensive risk management, and build
up the brand of green finance.
92 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 93
Serving a Green Life
Facilitating green travel
Keeping up with national policies, the Bank issues ETC cards which allow cardholders fast pass through toll gates without stopping, reducing
exhaust emissions and contributing to the building of a low-carbon society.
As of the end of 2021
The Bank had signed Issued It's estimated that for ordinary light vehicles,
the use of ETC cards can reduce the emission
2,548,100 3,277,400
ETC users, ETC cards, of nitrogen oxides by16.4%,
an increase of an increase of
carbides by 71.2%,
108,000 over 21,200 or carbon monoxide by 71.3%,
the end of the previous yea
0.65% over the and carbon dioxide by 48.9%, respectively
beginning of the year
Shenzhen Branch is one of the first in China to launch the pilot climate investment and financing reform in Shenzhen
The Bank participated in the climate risk stress testing organized by the People's Bank of China to evaluate
the potential impact of the low-carbon transition on our credit assets
Promoting green transactions
The Bank has achieved paperless counter services, continued to
integrate counter transactions, and advocated green and low-
carbon financial services. In 2021, using the big data-based path
Participating in analysis algorithm, the Bank consolidated 252 over-the-counter
climate risk stress transactions and realized 177 video front-end transaction scenarios.
testing By the end of 2021, 97% of over-the-counter transactions were
Major responses to made paperless, reducing paper consumption and improving the
environmental and service efficiency and customer experience.
climate risks
Carrying out
environmental stress As of the end of 2021
testing
the Bank processed
3,226,559,800
electronic transactions, up by
The Bank launched environmental stress testing in key industries. By quantifying the impact of environmental
stress factors on the operating costs of sampled industries, an environmental stress transmission data model
2,079,367,200
over the beginning of the year
was built to estimate enterprises' stress and risk tolerance, thereby enhancing the Bank's ability to deal with
environmental changes. In 2021, the environmental stress testing report was completed, marking that the
Bank's environmental risk management capability was leading the industry
98.34% of the services were
handled via the main e-channels
94 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 95
In early 2021, the Bank formally proposed the goal of achieving its carbon neutrality by Environmental protection activities
Promoting Green 2025, becoming the first bank in China to propose such a target. As of the end of 2021,
Operations we had a clear picture of our carbon emissions status. Next we will make science-based
In 2021 The Bank organizes non-profit environmental protection activities to effectively improve the
prediction of the trend of carbon emissions changes during the 14th Five-Year Plan period
and the medium and long term based on our development goals, formulate our own carbon environment and promote the green and low-carbon lifestyle. We promote waste sorting to
the Bank put up more than
neutrality goals and roadmap, and decarbonize by employing low-carbon technologies, help build a green and beautiful living environment. As of the end of 2021, the Head Office
creating a low-carbon workplace, implementing the offset mechanisms, and afforestation. 200 posters and the Beijing Branch were designated as model units for household waste sorting, with a
total completion rate of 79%.
and distributed more than
4,000 An organizational structure was
established and the Head Office
copies of brochures
Green office set up a task force to advance
The Bank strengthened The Bank improved
relevant work
the supervision of the mechanism of
We champion environmental protection, are conscious of our environmental impact, practice frugality and raise employees'awareness of and guidance for all domestic waste sorting
resource conservation. We fully embrace green offices, intensify efforts in energy conservation and emissions reduction, and reduce the the Head Office set up
business premises and and reduction and
emission of environmentally harmful substances in response to relevant policies on energy conservation and environmental protection, continuing
to promote low-carbon and zero-carbon operations.
147 waste sorting bins strictly implemented
norms and standards
Organizational assigned responsibilities
to specific individuals
guarantee
for waste sorting
Indicators 2019 2020 2021
Total office water consumption of the Head 40,809.6 33,193.13 34,423.6 ① 100% employees signed the Supervision
and
Improved
Office (ton) Commitment on Domestic Waste Sorting mechanism
inspection Major measures
Total office power consumption of the Head 47,169,874.84 51,340,078.62 60,577,508.3 ② for waste sorting
Office (kWh)
The Bank reduced
Total fuel consumption of company-financed 30,149.86 24,607.26 27,808.22 ③ 2,710 employees based in kitchen waste from
vehicles at the Head Office (liter)
Beijing, including the source such as
The "Empty Publicity
Total office paper used at the Head Office (ton) 20.52 20.83 20.89 food procurement
Plate" and training
1,432 Party members, and preparation
in restaurants and
campaign The Bank organized
① The main reason for the increase in the total water ② The main reason for the increase in the total power ③ The main reason for the increase in the total fuel volunteered to assist in waste sorting
consumption of the Head Office in 2021 compared with consumption of the Head Office in 2021compared with consumption of company-financed vehicles of the Head by the bins on weekends encouraged employees themed information
2020 is that there were fewer people working on site 2020 is the addition of 1,820 pieces of equipment and Office in 2021 compared with 2020 is that there were not to take more than sessions, training
during COVID-19 in 2020. three new office spaces. less rides during the COVID-19 epidemic in 2020. needed and reduce sessions, and online
food waste tests on waste sorting
Green procurement
The Bank has formulated more than Improving the whole- Developing e-commerce
ten policies such as Administrative process design of the management and protocol
Measures for Centralized Procurement, centralized procurement e-mall modules to realize
Administrative Measures for Tendering, platform to facilitate quick ordering
Bidding and Procurement and Working project implementation
Rules of the Centralized Procurement
Committee. We have incorporated
Major approaches
environmental performance and CSR
for building
performance into the criteria for selecting
the online
suppliers, and made clear that suppliers
procurement
who have been named and shamed for
platform
failing to fulfilling social responsibilities shall
be excluded from the supplier database.
In 2021, one of the priorities was to build Convening the Centralized Adding functions such as
an online procurement platform and make Procurement Committee supplier risk verification
procurement open, transparent, and well- meetings and project and strengthening supplier
regulated, contributing to low-carbon and review meetings online to qualification review and
zero-carbon operations. reduce paper consumption risk management
The Beijing SASAC inspection team guides the Bank's domestic waste sorting efforts
96 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 97
More Prudent
We stick to prudent operation, and continue to strengthen internal
control and compliance management to consolidate the foundation
for compliance operations. Having made it a top priority to guard
against systemic financial risks, we continue to elevate our risk
management, always think about worst-case scenarios, and solidify
Stability and Development
Managing Compliance Risks to Secure Long-Term
the defense lines of risk control.
Sustainability practices
Ensuring compliance in operations while following laws and
regulations, improving the internal control and compliance
management mechanism, and building the culture of rule of law
across the Bank
Cementing the bottom line of risk control, improving the long-
term risk management mechanism, and pursuing professional risk
management
In 2021
3,877 training sessions
on compliance
4,722 anti-money laundering
(AML) training sessions
As of the end of 2021
the non-performing loan (NPL)
ratio
1.77%
provision coverage ratio (PCR)
150.99%.
98 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 99
Safeguarding the bottom line of compliance, the Bank builds a compliance framework,
Ensuring Compliance cultivates a rule-of-law culture, and improves the internal control and compliance
management mechanism to ensure that its operation and management conform to the
regulatory requirements
In 202 Improving the internal control and compliance system
the Bank held 3,877 We ensure compliance in operations, integrate external compliance requirements into internal
training sessions on compliance
management, and build a long-term mechanism for compliance management to work for
stable operation and maintain financial security and stability.
attracting
With the Hua Xia Bank Compliance Policy , the Bank optimized the
133,130 participants Establishing the top-level design of internal control governance, and established a
policy framework compliance management framework system at the group level for
the first time
organized
666 lectures and training sessions on
The Notice on Strengthening the Supervision and Inspection
anti-financial crimes Management of Branches was issued to effectively improve the Strengthening branch
quality and efficiency of work in this regard and shored up the supervision and
weakness in daily management and risk control of the "first and inspection
second lines of defense" of the branches
involving 41,047 participants
The bank holds the bank-wide compliance seminar
The Code of Conduct for Employees of Hua Xia Bank was revised
Enhancing employee to refine the code of conduct, strengthen management, and guide
held 4,722 AML training sessions conduct management employees to maintain good professional ethics and help build up a
We warned employees of the consequences of non-compliance
clean financial culture
according to the compliance situation, and with violation cases, and
typical cases. We advanced rectifications in a solid manner, and
pursued accountability seriously. We emphasized the need to build a
engaging 135,000 participants The Hua Xia Bank Administrative Measures for Online Loan Due
Diligence and Hua Xia Bank Administrative Measures for Complaint Improving the
long-term compliance mechanism, and built a compliance culture
Handling in Credit Granting Due Diligence were formulated to mechanism of
better regulate online business due diligence and the due diligence credit responsibility
complaint handling procedures, and improve the credit responsibility determination
conducted 227 legal training sessions determination system Holding the bank-
wide compliance
The Bank publicized non-compliance seminar The Head Office set up a task force co-
We pressed ahead with the Year of Improving Internal Control cases at the grassroots to raise headed by the Chairman of the Board
Focusing on
and Compliance Management campaign, and stepped up efforts to Case High priority
attracting 31,803 participants rectifying recurring
problems
address recurring key problems and reduce the incidence of those
employees' awareness of disciplines, law
and compliance, and deter them from presentation to and high-level
and the President of Hua Xia Bank, and
advanced the Year of Improving Internal
problems violating laws and regulations raise awareness leadership Control and Compliance Management
campaign across the bank
Enhanced Bank-wide
CASE The Year of Improving Internal Control and Compliance Management campaign
supervision to cooperation for
ensure the effect solid progress
To thoroughly implement the decisions and policies made by the CPC Central Committee
and the State Council on finance, the Bank consolidated and expanded the rectification
outcomes, strengthened internal control and compliance management, and built up a culture The Office of the Leading Group at the Head The Bank conscientiously implemented work
of sound and prudent operation. According to the Notice of the China Banking and Insurance Office tracked the progress on a monthly basis requirements to make sure that a consensus
Regulatory Commission on Carrying out the "Year of Improving Internal Control and Compliance and reported it in a timely manner. It conducted was reached, the campaign was well-organized
Management" Camapign in the Banking and Insurance Industry, the Bank organized related off-site analysis and on-site inspections based on and in excellent hands, problems were identified
activities from June to December 2021. different regions, industries, products, and asset and fixed, and accountability was pursued
quality to ensure the effect of the campaign
100 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 101
Strengthening the rule of law Enhancing AML management
The Bank promotes the rule of law and consolidates the foundation for it. We strengthen active management, guard against legal risks, and The Bank continues to ramp up investment in anti-money laundering (AML) to strengthen the communication of AML risks and carry out
carry out publicity and education on the rule of law in an orderly manner to build a workplace of integrity and ensure compliance. publicity and training activities to achieve better AML effects
The Bank improved the legal-risk The Bank set up an AML center,
management system, optimized the and allocated more manpower
management process, and specified the and other input to make AML
management requirements to strengthen management more professional
the collaborative management of legal
risks, keep risks under control, and
strengthen rights protection
The Bank launched the pilot program
Optimizing
of legal counseling professionals, and
resource
established a training and incentive
The Bank launched the publicity allocation We carried out comprehensive
mechanism for legal professionals
The Bank optimized the legal affairs works competition to guard rectification and improvement,
against money-laundering risks Carrying out Comprehensive and identified and shored up the
system to make it more efficient, publicity and rectification and
versatile, and high-tech The Bank organized AML training weak links in AML management
for directors and supervisors, training activities improvement to enhance risk management
to enhance the awareness of capabilities
money-laundering risks
Improving the Strengthening
The Bank improved the The Bank checked the
monitoring and risk
systemic guidance for implementation of contract
early-warning communication
guarding against legal risks in Consolidating management responsibilities
capacity
key areas, and formulated and the foundation of the Head Office
issued judicial interpretations of rule of law departments, stepped up
and actual business operations efforts to guard against
to offer professional guidance contract-related risks,
for corporate compliance and urged the business The Bank advanced AML data governance, The Bank watched closely money laundering
The Bank reviewed and Guarding Strengthening departments of the Head developed transaction monitoring models for new risks in key businesses, and gave prompts.
released contract templates against legal active Office to fulfill their role as businesses, improved the money-laundering risk We analyzed and summarized typical AML
for key business areas such risks management the first line of defense for assessment model for customers, and expanded problems, and AML dynamics at home and
as factoring and supply chain promoting the rule of law and the coverage of transaction monitoring to more abroad and typical cases, to better guard
financing, and standardized managing legal risks accurately identify and warn against money- against risks
transaction documents The Bank developed and laundering risks
Carrying out
released a list of valid
publicity and
registered trademarks,
education on
encouraged the exercise of
the rule of law
the exclusive right to these
trademarks in compliance
with laws and regulations,
r egula ted th e li c en sed
use of these trademarks,
The Bank organized legal education and facilitated brand building
training for all employees to enhance all and safeguarded the Bank's
employees’ awareness of compliance trademark rights and interests
and their ability to guard against legal
risks
The Bank also popularized the law to
the general public in various forms. We
created an atmosphere encouraging
law learning, and improved the public's
awareness of the rule of law through a
variety of multimedia platforms
Training on anti-fraud and AML held by Wenzhou Branch
102 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 103
Strengthening the investigation of abnormal conduct of employees
The Hua Xia Bank Administrative Measures for Investigations on Employees' Abnormal Conduct was revised to better regulate
the investigation, handling, and supervision mechanism concerning employees' abnormal conduct
A stricter routine investigation mechanism is in place for abnormal conduct of personnel in important positions to improve the
quality and efficiency of such investigations
The Bank strengthened the closed-loop management of abnormal conduct investigation, established abnormal-conduct records,
pursued accountability, and summarized typical cases to strengthen the effect of deterrence
Strengthening the pursuit of accountability
The Bank released the Notice on Further Strengthening Accountability Pursuit and Guidelines on Accountability Pursuit to refine
accountability standards and standardize and strengthen accountability pursuit
The Bank strictly and quickly held serious violations accountable to create an atmosphere of rigorous accountability pursuit in the
Guiyang Branch raises the public awareness of AML on the street
entire bank
The Bank forwarded the China Banking Association's Administrative Measures for the Information on Law and Rule Violations of
Banking Practitioners (Trial), established a mechanism for submitting a "blacklist" of practitioners to the Association, and urged
employees to abide by the professional ethics and code of conduct
Ramping up to guard against crime risks
We always take a hard line against crime risks, and severely crack down on illegal financial activities. We stepped up efforts to investigate
employees' abnormal conduct, and deterred employees from committing any financial crime with accountability pursuit and punishment, to
resolutely guard against financial-crime risks.
Guarding against crime risks
The Hua Xia Bank Letter of Responsibility for Fulfilling the Crime Risk Control Target was revised and signed by all employees
to strengthen the duty performance at all levels
The Bank defined four dimensions of crime risk prevention and control, issued two crime briefings and five risk warnings, and
kept an eye on key areas vulnerable to financial crimes to curb risks
The Bank set up and conferred the Award for Stopping Financial Crimes and Handling Risk Events to encourage employees to
stop and defuse crime risks
Cracking down on illegal financial activities
The Bank carried out a special campaign targeting financial crimes. We assisted local governments, public security, judicial,
disciplinary inspection, and supervision agencies to recover stolen money and losses, look deep into existing crime risks, and clear
the backlog of cases
The Bank cracked down on gang crimes on an ongoing basis to effectively support its intensive rectification of financial chaos and
defusing of major financial risks
The Bank launched a month-long information campaign to enhance the awareness of the public and employees about illegal
fundraising and protect them from the risk of illegal fundraising
Training on anti-fraud and AML held by Wenzhou Branch
104 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 105
Focusing on deepening the reform of the risk management system and improving the Strengthening risk prevention and control
Strengthening Risk risk governance system, we strengthen risk prevention and control in key areas and
Management links, improve the professional management for individual risks and the long-term risk We strengthen the management of key areas and major risks, apply digital technologies and upgraded the tools for risk control, and consolidate
management mechanism, and make risk management more "comprehensive, professional, the foundation for guarding against systemic risks
and forward-looking."
The Bank analyzed the economic situation, implemented the economic and financial policies and regulatory
requirements by the central government, and made credit, investment, and financing policies more forward-
looking and adaptable
Optimizing the management system The Bank strengthened the asset quality control, optimized the structure of newly added assets, handled
troubled stock assets, strengthened the management of credit extension of stock assets, and ensured stable
The Bank has formulated the five-year risk management action plan to make strategic asset quality
Credit risk
adjustments to the risk management system and mechanism during the new period. The Bank employed various tools such as the bottom line for access, classified management, lists and quota
management
control to better identify and manage credit business risks and guard against risk transformation
The Bank strengthened risk mitigation, maintained "the first source of repaymen" as the rationale for credit
granting, enhanced collateral value evaluation management, and strictly controlled guarantee risks
The Bank carried out concentration risk limit control from multiple dimensions such as industry, region,
Hua Xia Bank strengthened the asset The Bank vigorously promoted the customer, and risk mitigation, refined the internal management of large exposures, and improved the
life-cycle management covering Three-stage Construction of construction of the "four long-term management of concentration risks
the "three stages" of scientific and asset lifecycle the four long- mechanisms" for risk management,
effective allocation of new assets, strict management term mechanisms including the mechanism for risk The Bank optimized the market risk limit management system and strengthened dynamic adjustment
prevention of the deterioration of normal preference and policy transmission and The Bank explored the establishment of a risk-adjusted return on capital (RAROC) system to provide a basis
stock assets, and orderly addressing of implementation, the mechanism for for rationally setting quotas
existing risks division of labor and cooperation between The Bank implemented market risk management requirements of Basel II to promote regulatory compliance and
Action plan
business lines and institutions, the improve management Market risk
business and product risk management The Bank improved risk sensitivity and strengthened risk management for key businesses of bonds, foreign management
and control mechanism, and the risk- exchange, and derivatives
cost-benefit balance mechanism The Bank improved the counterparty credit risk management system, optimized relevant policies, and
Management
strengthened counterparty credit risk control
of the"five
projects"
The Business Continuity Plan of Hua Xia Bank was revised. We updated the list of business priorities and sub-
The Bank determined to implement the "five projects", including empowering priorities according to the latest comprehensive business impact analysis results, and specified the deadline for
through technology, retail business, corporate finance, market-oriented Business continuity business recovery, business recovery point targets, and the scope of various key resources
business, and strengthening of environmental and social risk management management The Bank strengthened the management of emergency drills to make them better regulated, routine and
practical. A total of 46 drills were carried out throughout the year, covering 8 scenarios, improving the
emergency response capability
Improving systems and mechanisms. Hua Xia Bank revised the Measures for Reputational Risk Management
of Banking and Insurance Institutions and the Implementation Rules for Public Opinion Management . The Bank
developed a reputational risk management mechanism for joint prevention of risks from complaints, whistle-
blowing, and lawsuits, and strengthened the coordination among different tasks
Strengthening reputational risk management at the source. The Bank ensured the fulfillment of responsibility Reputational
for management and control, enhanced the awareness of risk prevention. The Bank also conducted real- risk management
time investigation of risks, and issued early warnings, so as to address risks in time and effectively improve
management capabilities
Building a culture against reputational risks. The Bank intensified training and assessment, exhorting employees
to perform their responsibilities for reputational risk management more proactively
CASE Intelligent risk control to guard against business risks dynamically
In order to improve the efficiency and accuracy of risk control, the Bank built the big data risk identification and early warning system which
comprehensively integrates internal and external risk data; meanwhile, we developed the enterprise risk database, risk view, as well as risk control
rules and models using technologies such as big data and knowledge maps.
106 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 107
More Fulfilling
Always being people-centered, the Bank protects the rights and
interests of employees, actively responds to their concerns, and
cares about their career development and wellbeing. We actively
involved in promoting community welfare, combating COVID-19,
and disaster relief, to enhance the sense of happiness among local
Creating a Better Life
Putting People First in
residents.
Sustainability practices
Earnestly safeguard the rights and interests of employees, and
adhering to equal employment and democratic management
Providing job skills training for employees
Creating a warm and welcoming working environment for
employees
Promoting community welfare and helping improve people's
wellbeing
In 2021
the Bank organized
5,200 employee training sessions
sent assistance to
457 employees in need
made charitable donations worth
RMB
14.515 million
108 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 109
Strictly abiding by the Labor Law, Labor Contract Law and other relevant laws and
Safeguarding Employees regulations, the Bank has established a complete human resources management system
Rights covering recruitment, employment, performance evaluation, salary and benefits to protect
employee rights and build a harmonious and stable labor relationship.
The Bank set up a variety of recruitment
channels and ensured that the recruitment
process was open and transparent
Recruitment
Safeguarding
employee
right
Performance evaluation Salary and benefits
Promoting equal employment
The Bank continued to improve The Bank signs collective contracts,
the performance-based incentive collective contracts on salary, and labor Strictly abiding by relevant laws and regulations such as the Employment Promotion Law and the Law on the Protection of Women’s Rights
mechanism that matches employee contracts with employees in accordance and Interests, the Bank provides equal employment opportunities to workers and says no to discrimination based on nationality, race, region,
performance with remuneration. with the law, and pays various social age, gender, or disability.
The performance evaluation covers insurances for employees on time and in full
the service quality, consumer The Bank schedules reasonable working
rights protection, green finance, hours and pays remuneration in full and on
MSE services, and rural poverty time As of the end of 2021
alleviation to guide employees to Every employee is entitled to statutory
fulfill their social responsibilities holidays and paid leaves
Regarding the educational background,
the Bank had39,175 Regarding the age structure, 58.77%
employees, 51.43%
14.06 % of the employees
of them were aged 35 and below,
held the master's degree or above,
As of the end of 2021 of whom were female,
64.01% the bachelo's degree, 28.94% aged 36-45,
the labor contract signing
including 7,220 new and 21.93% the associate 10.60% aged 46-55, and
rate was 100% recruits and 1,912 of
degree or below
ethnic minorities 1.69% aged 55 and above
the social insurance coverage
rate was 100% The Bank sets no gender or ethnicity The Bank treats every employee fairly and
restrictions in recruitment and bans Promoting equal employment provides employees with equal training and
discrimination and unfair behavior development opportunities
110 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 111
Advancing democratic management Valuing the improvement of job skills and abilities, the Bank continues to invest high-quality
Empowering Career resources, optimize the training system and instructor team, and build a well-rounded
We promote democratic management which takes the basic form of the Employees' Congress. We disclose information and communicate with Growth and multi-level training system to provide a platform for employees at different levels and
employees via various channels such as the Employees' Congress, the Homes of Employees, the bulletin boards of Party and administrative positions to enable them to grow with the Bank.
affairs, the President's mailbox, and the President Day, and address the most common and concerned problems. We move faster to form a
democratic management system that is under the leadership of the Party committee and jointly run by the Party and administrative organs,
with labor unions playing an active role, support from relevant departments and extensive participation of employees.
In 2021 The training covered all business lines and
the Bank held personnel at all levels of the Head Office and
branches to support the development of each
In 2021 5,200 employee
employee training sessions for
Expanding
The Bank received held 103 Employees' Congress meetings, 531,553 the training
1,524 constructive suggestions, with 4,996 participants, and received 207 proposals
participants including coverage
adopted and implemented 97.63% of them
and 100% of them were handled
842 training sessions on CSR,
In order to make Improving We provided more
with 73,877 participants, our employees more training opportunities
the training
competent, we system through live-
and 147 training sessions on launched various streaming, mini-
Enriching Expanding
forms of training lectures, knowledge
held 109 staff meetings, opened82 e-mail addresses for soliciting opinions environmental protection,
programs for
training training
competitions, etc.,
with 1,774 participants working on the ground and employed 46 supervisors
with 10,540 participants employees from
content avenues
enabling employees
different professional to acquire knowledge
fields at all levels more conveniently
of the Head Office,
branches and sub-
branches
CASE Training internal trainers
The Bank held the Employees'Congress to review policies
or major matters concerning the interests of employees, and The Bank continued to train the internal trainers to build a more competent training team
encouraged employees to involve in democratic management The Bank has in place clearly-defined criteria and procedures for becoming internal trainers and
and supervision designates internal trainers on a yearly basis
The Bank continued to enrich the training content by inviting senior experts to give lectures and
organizing competitions
The Bank has in place clearly-defined criteria and procedures for becoming internal trainers The
Improving the training was conducted both online and offline
democratic management
mechanism
Advancing
democratic
The Bank conducted collective We piloted business information
management
negotiations on employee career Fulfilling Promoting disclosure in the four branches of
development, labor protection, negotiation business Changchun, Hohhot, Wuhan, and
labor remuneration, etc. and mediation information Kunming
The Bank formulated the Interim responsibilities disclosure
Provisions of Hua Xia Bank on
Labor Dispute Negotiation and
Mediation, and set up mediation
committees responsible for
publicizing laws, regulations and
policies governing labor relations
Internal trainers receiving training at Nanjing Branch A competition of internal trainers at Shijiazhuang Branch
112 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 113
We care about the physical and mental health and quality of life of employees. A variety
Promoting Work-Life of cultural and sports activities are organized to enrich their after-work life. The Home of
Balance Employees is upgraded. We offered sympathy and aid to employees in need. All this is to
create a caring workplace.
Caring about retired employees Caring about female employees
We pay attention to the care of retired employees, carry out extensive condolence activities, and convey the warmth to the hearts of every The Bank attaches great importance to the health and career development of female employees, and organizes activities of various themes for
employee. them, taking care of females with practical actions.
The cake-making party held by Chengdu Branch on Women's Day Female employees of Guiyang branch try batik on Women's Day
The farewell party held by the Head Office for employees who retired in 2021
Organizing cultural and sports activities
We organize a variety of cultural and sports activities, build a platform for employees to show their talents, and advocate a healthy lifestyle.
Employees of Nanchang Branch at the autumn team building event Employees of Guiyang Branch at outdoors for brisk walking The Head Office organizes a creative painting activity themed "sustainability for a better future" for employees
114 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 115
Focusing on what society needs, we actively engage in various forms of charitable activities
Building the Home of Employees Building a Harmonious for COVID-19 control, disaster relief, special education, elderly care, and donations to give
The Bank continues to upgrade the Home of Employees. Branches and outlets equipped Society Through Joint back to society and improve people's wellbeing.
theirs with fitness equipment, TV sets, reading rooms, lounges, etc. so that employees
can do exercises and relax there. The Home of Employees is positioned to be a place for
Efforts
learning, for business startups, a place that is democratic, happy, and caring.
Pooling strength for COVID-19 control and disaster relief
We actively participated in COVID-19 control and disaster relief and supported epidemic
In 2021 In 2021 control and post-disaster reconstruction with donations, volunteer services and blood
the Bank organized 2,355 donations. We stood with the people hit by the epidemic and natural disasters and did our
best to tide them over.
volunteer activities,
811 Homes of Employees,
the Bank had opened a total of
627 of which had passed the review and 87 acknowledged as model ones CASE Supporting COVID-19 prevention and control
14,789 employees
involving
and 20,890 hours of volunteer In December 2021, Shaoxing was hit
activities by a sudden wave of COVID-19 cases
Helping employees in need and decided to do a city-wide nucleic
acid testing. At this critical moment,
The Bank sets up an employee relief fund and sends employees in need sympathy and Shaoxing Branch quickly set up a
assistance on major festivals. We offer unimpeded channels to deliver aid to employees in volunteer team and sent them to the
need and help solve their biggest and most pressing concerns to improve their sense of gain, testing sites to help maintain the order,
happiness, and security. take people's temperature, check their
travel history, record their personal
information, and transport the testing
In 2021 samples, contributing to the city's fight
the Bank helped against COVID-19.
The anti-pandemic volunteer team from Shaoxing Branch
457 employees in need
distributed RMB 1.2409
million of living allowances
RMB 2.1749 million of
medical subsidies
Tianjin Branch visiting and showing support for an employee in need
RMB 830,500 of
disaster relief subsidies Shijiazhuang Branch donates anti-pandemic supplies to a local hospital Lanzhou Branch donates anti-pandemic supplies to local communities
Guangzhou Branch's labor union visiting an employee at home The volunteer team from Zhengzhou branch offers assistance in flood-hit areas
116 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 117
Conducting charitable and cultural activities CASE Implementing the "Plan for the Growth of Children of Sanitation Workers" for seven consecutive years
With strong enthusiasm, the Bank continues to carry out charitable activities such as donations and volunteer services with the support of Hua Xia Bank launched the camp themed on green and sustainable development, as part of the 2021 Plan for the
like-minded employees, customers and people from all walks of life. We are committed to Beijing's cultural undertakings, helping pass on Growth of Children of Sanitation Workers, at the Shougang Park, the seat of the Beijing Organising Committee for
traditional Chinese culture. the 2022 Olympic and Paralympic Winter Games. This year, the camp would lead the children into the world of green
energy, bring them lectures on winter sports, and teach them figure skating, to broaden their horizons and show them
the meaning of sustainable development. As of the end of 2021, the "Plan for the Growth of Children of Sanitation
Workers" had been carried out for 7 years, with a total donation of RMB 9 million.
Scan to watch activities of
CASE Supporting the Central Axis of Beijing to apply for the World Heritage Status
the "Plan for the Growth of
Children of Sanitation Workers"
As the sole title sponsor of the reality show Singing for the Central Axis of Beijing , a program of BTV, the Bank fully supported Beijing in applying
for the World Heritage Status for its Central Axis to promote the development of the capital's cultural industry and carry forward traditional
Chinese culture.
扫一扫 了解更多
Hua Xia Bank has become the sole title sponsor of BTV's Singing for the Central Axis of Beijing, supporting the capital in applying for the World Heritage Status for its Central Axis.
CASE Promoting the popularization of the Civil Code
Having become the sole title sponsor of Interpretation of the Civil Code , a TV program of the Science and Education Channel of Beijing Radio and
Television Station, the Bank has played its part in promoting the popularization of the Civil Code for raising the public awareness of the rule of
law, fostering the spirit of the rule of law, and promoting law-based governance of the country.
Filming location of BRTV's Interpretation of the Civil Code Xiamen Branch makes donations to a children's library in "a village in the city" Suzhou Branch organizes a charitable activity to care for exceptional children
118 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 119
CASE Sponsoring the Miyun Eco Marathon 2021
As the title sponsor of the Miyun Eco Marathon 2021, the
Bank participated in the whole process of event organization.
The Credit Card Center and Beijing Branch jointly set up
a cheerleading team of 100 employees and sent 20 staff
members to serve the event, spread the idea of ecological and
environmental protection and inspire more people to protect
the environment.
The Miyun Eco-Marathon
2021 sponsored by Hua
Xia Bank
CASE
Ensuring orderly traffic for the
Beijing 2022 Winter Olympics
To prepare for the Beijing 2022Winter Olympics, the Bank
responded to the call of the Beijing Municipal Committee of
Communist Youth League and organized young employees
in Beijing to help maintain order at zebra crossings, guide
vehicles and pedestrians to cross the crossings at the sign of
the traffic lights, enhancing road safety in Beijing. In 2021,
more than 100 employees volunteered for this service.
Employees of the Bank as volunteers maintain the order at zebra crossings The Miyun Eco-Marathon 2021 sponsored by Hua Xia Bank
120 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 121
Outlook
In 2022, the 20th CPC National Congress will be held. It is a crucial year for
China to continue with the 14th Five-Year Plan. The year 2022 will also mark
the 30th anniversary of the inception of Hua Xia Bank. Over the past 30 years,
we have focused on reform, innovation, transformation and development. We have
forged ahead, and achieved fruitful results. In the future, we will continue to apply
the philosophy of sustainability, seize strategic opportunities, and serve the real
economy. We will continue to explore inclusive finance and green finance, advance
rural vitalization, and contribute to China's 3060 Decarbonization Goal. At the
same time, we will vigorously undertake CSR initiatives, and work with all parties to
pursue a path of sustainable development and build a better future.
Scan the QR code to
know more about
"Sustainable, Wonderful"
122 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 123
Appendix
Reporting Index Standard number and description Page Note
102-52 Reporting cycle P1
GRI Content Index
102-53 Contact point for questions regarding the report P1
Standard number and description Page Note Reporting Practices 102-54 Claims of reporting in accordance with the GRI Standards P122-125
GRI 101：Foundation
102-55 GRI content index P122-125
GRI 102：General disclosures
102-56 External assurance P126-128
102-1 Name of the organization P6
103-1 Explanation of the material topic and its boundary P10、P26-49
GRI 200
102-2 Activities, brands, products, and services P6 GRI 103
Economic 103-2 The management approach and its components P26-49
102-3 Location of headquarters P6 Management approach
topics
103-3 Evaluation of the management approach P26-49
102-4 Location of operations P6
GRI 201 Economic 201-1 Direct economic value generated and distributed P13
102-5 Ownership and legal form P6
Performance 201-2 Financial implications and other risks and opportunities due to climate change P84-95
Organization Profile 102-6 Market served P6
203-1 Infrastructure investments and services supported P29、P35-43
102-7 Scale of the organization P6 GRI 203 Indirect Economic Impacts
203-2 Significant indirect economic impacts P35-43
102-8 Information on employees and other workers P6
102-11 Precautionary Principle or approach P96-105 103-1 Explanation of the material topic and its boundary P94
GRI 204
GRI 103
102-12 External initiatives P9 Procurement 103-2 The management approach and its components P94
Management approach
Practices
102-13 Membership of associations P9 103-3 Evaluation of the management approach P94
102-14 Statement from senior decision-maker P4-5 GRI 103
Strategy GRI 205 103-2 The management approach and its components P101-103
Management approach
102-15 Key impacts, risks, and opportunities P4-5 Anti-corruption
102-16 Values, principles, standards, and norms of behavior P6、P9 205-1 Operations assessed for risks related to corruption P101-103
Ethics and Integrity 103-1 Explanation of the material topic and its boundary P10、P84-95
102-17 Mechanisms for advice and concerns about ethics P9 GRI 300
GRI 103
102-18 Governance structure P8 Environmental 103-2 The management approach and its components P84-95
Management approach
topics
102-19 Delegating authority P9 103-3 Evaluation of the management approach P84-95
102-20 Executive-level responsibility for economic, environmental, and social 302-1 Energy consumption within the organization P94
P9-19
topics GRI 302 Energy 302-4 Reduction of energy consumption P87、P89
102-21 Consulting stakeholders on economic, environmental, and social topics P10-11
302-5 Reductions in energy requirements of products and services P87、P89
102-22 Composition of the highest governance body and its committees P8
GRI 304 Biodiversity 304-3 Habitats protected or restored P90
102-23 Chair of the highest governance body P4-5
GRI 305 Emissions 305-5 Reduction of GHG emissions P87、P89、P93
Governance 102-26 Role of highest governance body in setting purpose, values, and
P8 P10、P20-25、
strategy 103-1 Explanation of the material topic and its boundary
P106-119
102-29 Identifying and managing economic, environmental, and social impacts P9-11 GRI 400 GRI 103
Social topics Management approach 103-2 The management approach and its components P20-25、P106-119
102-30 Effectiveness of risk management processes P103-105
103-3 Evaluation of the management approach P20-25、P106-119
102-31 Review of economic, environmental, and social topics P9-11
401-1 New employee hires and employee turnover P109
102-32 Highest governance body’s role in sustainability reporting P9
GRI 401 Employment 401-2 Benefits provided to full-time employees that are not provided to
102-33 Communicating critical concerns P11 P112-114
temporary or part-time employees
102-34 Nature and total number of critical concerns P10-11
GRI 404 Training and 404-1 Average hours of training per year per employee P111
102-40 List of stakeholder groups P11
Education 404-2 Programs for upgrading employee skills and transition assistance programs P111
102-42 Identifying and selecting stakeholders P10-11
Stakeholder Engagement GRI 103 103-1 Explanation of the material topic and its boundary P108-109
102-43 Approach to stakeholder engagement P11 GRI 405
102-44 Key topics and concerns raised P10-11 Diversity and Equal Management approach 103-2 The management approach and its components P108-109
Opportunity
102-45 Entities included in the consolidated financial P1 405-1 Diversity of governance bodies and employees P108-109
102-46 Defining report content and topic Boundaries P1 103-1 Explanation of the material topic and its boundary P66-67、P83
GRI 413
GRI 103
102-47 List of material topics P11 Local 103-2 The management approach and its components P66-67、P83
Management approach
Communities
No information 103-3 Evaluation of the management approach P66-67、P83
102-48 Restatements of information P122-125
is restated
Reporting Practices 103-1 Explanation of the material topic and its boundary P76-83
There were no major GRI 416 GRI 103
Customer 103-2 The management approach and its components P76-83
102-49 Changes in reporting P122-125 changes in topics Management approach
disclosed in the report
Health and 103-3 Evaluation of the management approach P76-83
Safety
102-50 Reporting period P1 416-1 Assessment of the health and safety impacts of product and service categories P82-83
102-51 Date of most recent report P1 GRI 417 Marketing and labeling 417-1 Requirements for product and service information and labeling P82-83
124 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 125
PRB Content Index
Principles for Principles for
Responsible Reporting and Self-Assessment Requirements Page Responsible Reporting and Self-Assessment Requirements Page
Banking Banking
1.1 Describe (high-level) your bank's business model, including the main customer segments served, types of products and 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
services provided, the main sectors and types of activities, and where relevant the technologies financed across the main responsible relationships with its customers. This should include high-level information on any programmes and actions implemented
P4-6、 (and/or planned), their scale and, where possible, the results thereof
geographies in which your bank has operations or provides products and services.
P9-11、
Principle 3: Clients and P26-67、
Principle 1: Alignment P27、P51、
Customers P74-93
P69、P85、
1.2 Describe how your bank has aligned and/or is planning to align its strategy to be consistent with and P87, P95contribute to 3.2 Describe how your bank has worked with and/or is planning to work with its clients and customers to encourage sustainable
P97、P107
society's goals, as expressed in the Sustainable Development Goals (SDGs), the Paris Climate Agreement, and relevant national practices and enable sustainable economic activities. This should include information on actions planned/implemented, products and
and regional frameworks. services developed, and, where possible, the impacts achieved.
Show that your bank has identified the areas in which it has its most significant 4.1 Describe which stakeholders (or groups/types of stakeholders) your bank has consulted, engaged, collaborated or partnered
2.1 Impact Analysis
(potential) positive and negative impact through an impact analysis. Principle 4: Stakeholders with for the purpose of implementing these Principles and improving your bank’s impacts. This should include a high-level overview P11
of how your bank has identified relevant stakeholders and what issues were addressed/results achieved.
Show that the bank has set and published a minimum of two Specific, Measurable
(can be qualitative or quantitative), Achievable, Relevant and Time-bound (SMART) 5.1 Describe the relevant governance structures, policies and procedures your bank has in place/is planning to put in place to
targets, which address at least two of the identified “areas of most significant manage significant positive and negative (potential) impacts and support effective implementation of the Principles.
impact”, resulting from the bank’s activities and provision of products and services.
5.2 Describe the initiatives and measures your bank has implemented or is planning to implement to foster a culture of responsible
Show that these targets are linked to and drive alignment with and greater banking among its employees. This should include a high-level overview of capacity building, inclusion in remuneration structures
Principle 5: Governance & P7-11、P90、
contribution to appropriate Sustainable Development Goals, the goals of the Paris and performance management and leadership communication, amongst others.
Culture P93-95、P111
2.2 Target Setting Agreement, and other relevant international, national or regional frameworks. The
bank should have identified a baseline (assessed against a particular year) and have
set targets against this baseline. 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
Show that the bank has analysed and acknowledged significant (potential) negative b) remedial action in the event of targets or milestones not being achieved or unexpected negative impacts being detected.
impacts of the set targets on other dimensions of the SDG/climate change/society’s
goals and that it has set out relevant actions to mitigate those as far as feasible to P4、
Principle 2: Impact and
maximize the net positive impact of the set targets. P9-12、P15、 Show that your bank has progressed on implementing the six Principles over the
Target Setting
P37、P84-95 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
Show that your bank has defined actions and milestones to meet the set targets. 2.1-2.4).
2.3 Plans for Target
Implementation and Showed in this
Show that your bank has put in place the means to measure and monitor progress Show that your bank has considered existing and emerging international/regional
Monitoring report and Annual
against the set targets. Definitions of key performance indicators, any changes in Principle 6: Transparency 6.1 Progress on Implementing the good practices relevant for the implementation of the six Principles for Responsible
Report 2021 of
these definitions, and any rebasing of baselines should be transparent. & Accountability Principles for Responsible Banking Banking. Based on this, it has defined priorities and ambitions to align with good
Hua Xia Bank Co.,
practice.
Limited
For each target separately:
Show that your bank has implemented the actions it had previously defined to meet Show that your bank has implemented/is working on implementing changes in
the set target.Or explain why actions could not be implemented / needed to be existing practices to reflect and be in line with existing and emerging international/
changed and how your bank is adapting its plan to meet its set target. regional good practices and has made progress on its implementation of these
2.4 Progress on Principles.
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)
126 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 127
Independent Assurance Report
128 HUA XIA BANK CO., LIMITED Social Responsibility Report 2021 129
Feedback Form
Thank you for reading the Hua Xia Bank Co., Limited Social Responsibility Report 2021. In order to provide you and other stakeholders with more
valuable information and improve our CSR fulfillment, we sincerely invite 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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