华夏银行:华夏银行2020年社会责任报告（英文版）

01Hua Xia Bank Co. Limited
About This Report
Reporting Scope
Reporting Period | Unless otherwise stated the report covers the period between January 1 to December 31 2020.Organizational Boundary | The report discloses the information of the Head Office and all branches and sub-branches of Hua Xia Bank.Reporting Cycle | The report is an annual report. The most recent report was issued on April 17 2020.Preparation Basis
The report was prepared in accordance with the Opinions on Strengthening the Corporate Social Responsibility of Banking Institutions
issued by former Banking Regulatory Commission (CBRC) the Guidelines on the Corporate Social Responsibility of Banking Institutions
of China released by the China Banking Association and the Notice on Strengthening Listed Companies’ Assumption of Social
Responsibility and Guideline on Environmental Information Disclosure by Listed Companies released by Shanghai Stock Exchange
(SSE) and referred to the Principles for Responsible Banking issued by United Nations Environment Programme the Guidelines on
Corporate Social Responsibility Reporting for Chinese Enterprises (CASS-CSR 4.0) issued by the Research Center for Corporate Social
Responsibility of the Chinese Academy of Social Sciences Guidance on Social Responsibility (ISO 26000:2010) issued by International
Organization for Standardization (ISO) GRI Sustainability Reporting Standards (GRI Standards) and GRI Financial Service Sector
Supplemental Guidelines issued by Global Sustainability Standard Board (GSSB) and the Environmental Social and Governance
Reporting Guide (HK-ESG) issued by Hong Kong Exchanges and Clearing Limited (HKEx).Reference
For better readability “Hua Xia Bank Co. Limited” is referred to as “Hua Xia Bank” or “the Bank” in the report.
Data Sources
The financial data in the report come from the audited Annual Report 2020 of Hua Xia Bank Co. Limited and other data come from
internal documents and statistics of Hua Xia Bank. Some contents and data can be traced back to previous years.Languages
The report is available in simplified Chinese and English versions. In case of any discrepancy the simplified Chinese version shall
prevail.
Formats
The report is available in both print and electronic formats. The electronic version can be downloaded at our official website (http://www.hxb.com.cn).
Contact Information
Hua Xia Bank Co. Limited
Address: 22 Jianguomennei Street Dongcheng District Beijing
Postal code: 100005
Tel: 010-85237056
Fax: 010-85239000
E-mail: zhshzr@hxb.com.cn
Message from Chairman         04
Message from President         06
About Us         08
CSR Management         11
CSR Awards and Honors         14
CSR Performance         15
Outlook         104
Appendix         106
Reporting Index         106
Independent Assurance Report         111
Feedback Form         113
18
26
Table of Contents
Promoting the Coordinated Development of
the Beijing-Tianjin-Hebei Region
Implementing State-level Regional Development
Strategies
Promoting Industrial Transformation and Upgrade
Serving China’s Opening-up
Devoting More Efforts to Green Finance
Services for Green Lifestyles
Practicing Green Operation
Promoting the Growth of MSEs
Supporting Private Enterprises
Boosting People’s Wellbeing
Full Compliance in Operations
Strengthening Risk Management
Accelerating FinTech Development
Improvement in Corporate Banking Services
Upgrading the Customer Experience
Protecting Customer Rights and Interests
Protecting Employee Rights
Supporting the Development of Employees
Caring for Employees
Building a Harmonious and Beautiful Society
Through Joint Efforts
34
40
42
43
76
82
83
48
53
54
88
92
60
64
66
71
96
98
99
102
A Dedicated Hua Xia
with Craftsmanship
An Eco-friendly Hua Xia
Through Green Development
A Philanthropic Hua Xia
with Inclusive Finance
A Prudent Hua Xia
with Compliance
A Sincere Hua Xia with
Innovative Services
A People-centered Hua Xia
Pursuing Happiness for All
01 04
02 05
03 06
2020 Social Responsibility Report02 03Hua Xia Bank Co. Limited
Spotlight:
Contributing to the Fight
Against the COVID-19 with
Concerted Efforts
Spotlight:
Contributing to the Decisive
Victory in the Battle Against
Poverty Through Multiple
Approaches
2020 Social Responsibility Report04 05Hua Xia Bank Co. Limited
Message from Chairman
In 2020 confronted with the hard shock from the COVID-19 pandemic and accelerating changes Hua Xia Bank adhered to the
guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era and promoted bank-wide reform by enhancing
Party leadership. Despite challenges we seized opportunities stayed true to our original aspiration and worked hard to fulfil our mission.We made unremitting efforts to promote sustainable corporate economic social and environmental development at the same time.We shouldered our responsibilities in the fight against the pandemic. Facing the extreme test of the pandemic we earnestly implemented
the decisions and deployment of the Central Party Committee the State Council and China Banking Insurance Regulatory Commission
on COVID-19 prevention and control. We spared no effort to support the national efforts of ensuring stability and securities on six fronts.
We offered sound efficient financial services and actively fulfilled our responsibilities to aid the fight against the pandemic and support
resumption of work and production striving to get through tough times with all walks of life.We developed inclusive finance to help win the battle against poverty. Aiming to be “a financial service provider for small and mediumenterprises (SMEs)” we allocated comprehensive credit loans to micro and small enterprises (MSEs) advanced product innovation
and process optimization and improved financial service capability for MSEs. At the same time we implemented the decisions and
deployment of the Central Party Committee on targeted poverty alleviation. Leveraging our financial advantages we actively introduced
new financial products and models for poverty alleviation improved service efficiency and spared no effort to accomplish our targets in
the battle against poverty.We provided financial support for the development of the real economy. Based in Beijing we endeavored to build the Bank into a
national-level joint-stock bank and a major financial service provider for the Beijing-Tianjin-Hebei region. In line with national and regional
development strategies for the Yangtze River Delta the Guangdong-Hong Kong-Macao Greater Bay Area and so on we continued
to increase resource investment in pivotal areas of the real economy (e.g. transformation and upgrade of industrial structure China’s
opening up to the outside world development of private enterprises) and add momentum to the high-quality development of real
economy.We embraced digital trends and pursued innovation-driven development. We constantly boosted FinTech innovation improved
coordinated planning and top-level design for digital transformation and accelerated the development of key FinTech projects and
digitalization of core business. Moreover we built the innovation mechanism of agile organization system ramped up efforts to improve
digital ecosystem and created the “Smart Finance Digital Hua Xia” brand pushing forward the innovative development and digital
transformation.We developed green finance to protect the beautiful homeland. We actively practiced the green development philosophy channeled
more resources to green finance areas such as credit loans investment and finance lease and built a full-chain green finance service
system ranging from internal architecture building to product innovation. In addition we took the initiative to expand international
cooperation constantly greened our services and worked to create the “Green Growth for a Better Hua Xia” brand and contribute to the
building of beautiful China with lucid waters and lush mountains.We prevented and controlled financial risks through compliance and stable operation. Adhering to compliant operation we stressed
“compliance for value creation” insisted on risk management and comprehensively promoted the construction of a long-term
compliance management system. With these efforts we advanced the risk management system reform improved internal compliance
and consolidated the foundation for compliant operation safeguarding high-quality corporate development and securing financial order
and social stability.In face of challenges or difficulties heroes stand out. Looking into the future under the strong leadership of the Party Central Committee
with Comrade Xi Jinping at its core and standing at the beginning of a new development stage we will practice the new development
philosophy and integrate into the new development pattern. With unremitting efforts we will work to realize the Chinese Dream of
national rejuvenation and make achievements to celebrate the 100th anniversary of the founding of the Communist Party of China.Party Secretary and Chairman of Hua Xia Bank
07Hua Xia Bank Co. Limited2020 Social Responsibility Report06
Message from President
Deputy Party Secretary and President of Hua Xia Bank
The year 2020 was an extraordinary year. Confronted with the sudden outbreak of COVID-19 and the impacts of complicated situations
at home and abroad Hua Xia Bank insisted on boosting the real economy. Upholding the customer-centric service philosophy we
fulfilled our responsibilities as a state-owned financial institution and pressed ahead with all our achievements.Since 2020 we have orderly promoted the transformation and institutional reform of Hua Xia Bank and constantly cemented the
foundation for operation and development. As a result we have achieved continuous growth in business scale operating efficiency
and risk resistance capability. In 2020 we realized a revenue of RMB 95.309 billion a net profit of RMB 21.568 billion and a capital
adequacy ratio (CAR) of 13.08%.
In 2020 facing the extreme test of the pandemic the Bank adopted diverse measures and provided financial support to aid COVID-19
prevention & control and resumption of work and production and to ensure stability and securities on six fronts. As of the end of 2020
the Bank had cumulatively allocated RMB 20.705 billion credit loans to 288 enterprises essential for pandemic prevention and control;
postponed the repayment of principals and interests and cut the interest rate for 11077 enterprises (including small-business owners
individual industrial and commercial households with a cumulative business principal of RMB 204.155 billion) hit by the pandemic.
In 2020 the Bank actively seized opportunities of regional economic development. We went all out to advance regional development
in the Beijing-Tianjin-Hebei region Yangtze River Delta region and Guangdong-Hong Kong-Macao Greater Bay Area along Beijing-
Guangzhou and Beijing-Shanghai railway lines and other key areas to effectively support the development of the real economy. In
2020 the Bank cumulatively provided RMB 65.6 billion of financing services for key projects in the coordinated development of the
Beijing-Tianjin-Hebei region. At the same time the Bank ramped up efforts to promote the transformation and upgrade of industrial
structure support the development of micro small and medium-sized private enterprises and facilitate the country’s opening up. As of
the end of 2020 the balance of loans for supporting strategic emerging industries had reached RMB 79.689 billion while the balance of
loans to MSEs had reached RMB 456.412 billion.
In 2020 the Bank enhanced financial support for targeted poverty alleviation especially for the fixed-point poverty alleviation in Beijing
the East-West collaboration for poverty alleviation and educational development for poverty alleviation. We increased input in industrial
development public welfare stimulating consumption of local products employment and educational support in poverty-stricken areas.In addition we set up the fund for preventing return to poverty and for industrial development contributing to winning the battle against
poverty. In 2020 the Bank provided RMB 840.2222 million (including credit loans donations and consumer spending) for targeted
poverty alleviation and offered financial services to a total of 21582 registered poor people.
In 2020 the Bank responded to the national efforts of ecological progress improved the long-term mechanism for green credit loans
and investment and enhanced cooperation with international organizations in this regard. By developing marketing platforms and
optimizing specialty products the Bank provided more financial support for key green projects to aid pollution control. As of the end of
2020 the balance of green loans had reached RMB 180.043 billion and the balance of climate finance had reached RMB 157.1 billion.
Besides the Bank endeavored to practice ESG investment and launched CSI ESG120 Strategy Index CSI Hua Xia Bank ESG Index and
CSI Equity-Hua Xia Wealth Management ESG Preferred Bond Index Strategy Index attracting extensive attention from the market and
investors.
In 2020 the Bank put people first protected employee rights and provided abundant training and career development opportunities
so that employees can grow together with the Bank. In 2020 the Bank held 4365 training sessions for 370748 participants. Moreover
the Bank actively engaged in charity and promoted social harmony. In 2020 the Bank organized 2091 volunteer service activities with
30235 participants delivering 22851.2 hours of service.
Looking into the year 2021 it is time for us to make new efforts. Standing on the new historic point Hua Xia Bank will remain true to
our original aspiration brave challenges and difficulties and take confident firm strides to help realize the Chinese Dream of national
rejuvenation.
About Us
Hua Xia Bank was founded in Beijing in October 1992
and became a national joint-stock commercial bank after
restructuring in March 1995. On September 12 2003 the
Bank went public on Shanghai Stock Exchange (Stock Code:
600015) with registered capital of RMB 15.387 billion.
Since its inauguration the Bank has been forging ahead and
made great achievements despite all difficulties. By the end
of 2020 the Bank had a total asset of RMB 3399.816 billion
44 Tier-1 branches 79 Tier-2 branches 1022 outlets in 122
cities at or above the prefectural level nationwide and nearly
40000 employees which had formed an institutional system
of building presence in developed cities and reaching out
to the whole country. The Bank has set up 1206 agencies in
and out of China covering 321 cities in 101 countries on all
five continents of the world. Its settlement network covers all
major trade areas in the world.In The Banker’s Top 1000 world banks published in July
2020 Hua Xia Bank ranked 51st by Tier-1 capital and 65th
by total asset respectively five places and two places higher
than the previous year.
2020 Social Responsibility Report08
? Strive to develop
into a modern financialgroup that is “largeand strong stable andexcellent”
Actively pursue innovative，coordinated green open and
shared development
Focus on serving the real economy
and creating value for customers and
shareholders
Follow the fundamental strategy of “taking deposits asthe foundation building the Bank’s through FinTech andtalents and ensuring stable operation through risk control”
Keep to the direction of featured digital asset-
efficient specialized comprehensive and world-
oriented development
Corporate Governance
The Bank has established a corporate governance structure mainly comprising of the Shareholders’ General Meeting the Board of
Directors the Board of Supervisors and the senior management. The Shareholders’ General Meeting is the governing body the Board
of Directors is the decision-maker the Board of Supervisors serves supervision functions and the senior management is in charge of
execution.The Bank has strengthened the statutory position of Party organizations in the corporate governance structure coordinated well between
the Party committee and the above three parts of the corporate governance structure and incorporated Party leadership in all parts of
corporate governance promoting the synergy of Party leadership and corporate governance.Nomination
Committee
Audit Committee
Headquarters
Departments
Branches and
Sub-branches
Shareholders’ General
Meeting
Office of the Board
of Directors Office of the Board
of Supervisors
(Securities Affairs Department)
Senior
Management
Board of Directors Board of Supervisors
Nomination
Committee
Oversight
Committee
Strategic
Management and
Consumer Rights
and Interests
Protection
Committee
Related Party
Transaction Control
Committee
Remuneration
and Evaluation
Committee
Asset Liability
Management
Committee
Credit
Approval
Committee
Asset Risk
Disposal
Committee
Performance
Management
Committee
Product
Management
Committee
Information
Technology
Management
Committee
Risk Management
and Internal
Control Committee
Credit Investment
and Financing
Policy Committee
Risk and
Compliance
Management
Committee
in the Board of Directors
in the Board of Supervisors
Independent Directors
External Supervisors Employee Supervisors
Executive Directors
there were18 Directors 2 Shareholders’ General Meetings were
held with17 resolutions adopted
10 Board of Directors Meetings were
held with 55 resolutions adopted
8 Board of Supervisors Meetings were
held with 20 resolutions adopted
there were11 Supervisors
7 5
5 4
As of the end of 2020 In 2020
09Hua Xia Bank Co. Limited
Following the Lead of Party Building
Investor Relations
Information Disclosure
The Bank has followed Xi Jinping Thought on Socialism with Chinese Characteristics for
a New Era and implemented the guiding principles of the 19th CPC National Congress
the second third fourth and fifth plenary sessions of the 19th CPC Central Committee
and China’s Central Economic Work Conferences. While adhering to Party leadership and
enhancing Party building the Bank has continuously promoted full and strict discipline over
the Party and followed Party leadership in its pursuit of high-quality development.Party leadership at all levels and their
members fulfilled 1200
tasks on their principal responsibility
list for exercising strict governance
over the Party Committee
To strengthen investor relations management the Bank strictly implemented the Working
Measures of Hua Xia Bank Co. Ltd. on Investor Relations and designated a dedicated investor
relations manager under the Office of the Board of Directors to take charge of relevant work.The Bank has worked to promote interactions and exchanges with investors through multiple
channels and in many ways. In 2020 the Bank organized shareholders’ general meetings
meetings for investors and analysts online briefing on cash bonus open day of investor
groups themed seminars and other activities and answered questions carefully on the SSE
E-interaction platform and through investor service hotline and mailbox so as to enhance the
capital market’s understanding of the bank.The Bank has attached great importance to transparent operation strictly complied with
the regulations on information disclosure and standardized the information disclosure and
reporting processes. We actively fufilled information disclosure obligations and continued to
enhance transparency via channels like China Securities Journal Shanghai Securities News
Securities Times Shanghai Stock Exchange website the official website of Hua Xia Bank etc.In the assessment of information disclosure of listed companies in Shanghai Stock Exchange
from 2019 to 2020 the Bank was evaluated level-A (excellent).
Continuously strengthening Party building at the primary level and the development of
corporate culture and creating a positive hard-working united and cooperative atmosphere
In 2020
2020 Social Responsibility Report10
Improving the work systems of the
Bank’s Party Committee; formulating
optimizing and implementing the
work rules for Party Committee
implementation rules for Party
affairs disclosure regulations on
communication with the standing
committee of the Party Committees
of key banks list of major issues
to be discussed before decision
making of the Party Committee and its
procedure etc.Giving full play to the leading role of the Party Committee in steering the direction overseeing
the big picture and ensuring effective implementation and strictly performing its responsibility of
exercising full and rigorous Party disciplines
Consolidating the outcomes of the education on the original aspiration of the Party and the patrol
inspection & rectification campaign
Enforcing full rigorous self-discipline of the Party Committee; enhancing anti-corruption
education discipline and warning; and exercising strict governance over the Party Committee
Practicing the ideology education accountability mechanism building and implementing the
“1+1+N” ideology education and publicity system framework
Upholding the Party standards for competitive cadres for a new era and adhering to the Party
leadership over cadres and talents
Enforcing disciplines and rules and fully supporting the resident discipline inspection &
supervision team to perform its duties
The Bank has integrated CSR management with corporate
development and continuously improved CSR management and
practices to create greater value for stakeholders. The Corporate
Social Responsibility Management Measures of Hua Xia Bank
has been strictly implemented to regulate CSR management
and the branding and communication of Hua Xia Bank’s
social responsibility management has been strengthened to
continuously improve the perception of employees and external
parties of the Bank’s role in value creation.
CSR Management
Harmony brings a bright future and Hua Xia continues with its public spirit
China’s culture is at the core of the Bank’s development and prosperity and the value
created shall be shared by all people of the Chinese nation.Harmony brings a bright future
The Bank pursues harmonious co-existence open cooperation
sharing of benefits with stakeholders and works towards balance
between economic environmental and social benefits making its
contribution to a harmonious socialist society.Hua Xia continues with its public spirit
Leveraging on its advantages in specialty location and
resources the Bank takes the initiative to shoulder economic
environmental and social responsibilities and strives to bring
benefits to every corner of China and every Chinese.Openness and transparency Cross-over thinking Resource integration
Maximizing comprehensive value Contributing to a harmonious society
Serving the
real economy Putting people first
Practicing
inclusive finance
Promoting ecologi-
cal progress
Pursuing safe and
steady development
Empowering
through FinTech
Practices for economic responsibility Practices for environmental responsibility Practices for social responsibility
Vision of CSR fulfillment
Four
CSR principles
Two
CSR goals
Six
CSR priorities
Three
CSR practices
Communication with stakeholders
In 2020 we actively implemented the Principles for Responsible
Banking (PRB) of United Nations Environment Programme Finance
Initiative (UNEP FI) and practiced the ESG responsible investment
philosophy. While pursuing sustainable corporate development
the Bank made a positive contribution to the sustainability of the
economy and society. By organizing CSR management training
the Bank enhanced employees’ social responsibility awareness
and capability to fulfill responsibility.
11Hua Xia Bank Co. Limited
CSR Philosophy
Contributing to the SDGs
The Bank has identified 16 material topics in combination with sustainable development
trends advanced CSR practices of peers and concerns of stakeholders. The Bank has
prioritized the topics based on “importance to the sustainable development of Hua Xia Bank”
and “importance to stakeholders”.In September 2015 the United Nations held the Sustainable Development Summit and
adopted the 2030 Agenda for Sustainable Development. The agenda covers 17 Sustainable
Development Goals (SDGs) which point out the direction for countries and enterprises across
the world to contribute to sustainable development. Bearing in mind the vision of building a
modern financial group that is “large and strong stable and excellent” the Bank has worked
to make an assessment in terms of materiality and importance distinguished core goals and
related goals and allocated resources and advantages to core areas contributing to the UN’s
SDGs.
Importance to the sustainable development of Hua Xia Bank
Im
p
ortance to stakehold
ers
Materiality Matrix
Devoting more efforts to green finance
Supporting community development
Caring for employees
Promoting financial knowledge
Practicing green operation
Promoting industry development
Serving the real economy
Contributing to national strategies
Guarding against financial risks
Promoting inclusive finance
Standardizing corporate governance
Contributing to poverty alleviation
Pursuing FinTech innovations
Protecting customers’ rights and interests
Improving service quality
Helping employees grow
Core
goals
Related
goals
2020 Social Responsibility Report12
Stakeholder Communicaton
Stakeholder Key expectations Our responses
Government
Serving the real economy
Supporting national strategies
Developing inclusive finance
Helping fight poverty
Paying taxes in full according to the law
Coordinating regional development
Supporting the growth of small and micro
enterprises
Facilitating China’s opening up
Promoting targeted poverty alleviation through
financial services
Paying taxes in full
Regulatory authorities Compliance management
Tightening risk management
Implementing regulatory policies
Accepting supervision and evaluation
Strengthening risk prevention
Shareholders and investors
Improving corporate governance
Offering continuous and stable returns
Protecting shareholders’ rights and interests
Transparent operation
Improving corporate governance
Ensuring sound and stable operation
Creating value for shareholders
Strengthen information disclosure
Environment ?Paying attention to climate change
?Supporting green development
Developing green finance
Promoting green office practices
Engaging in public welfare-oriented
environmental protection campaigns
Customers
Protecting customers’ rights and interests
Improving customer experience
Accelerating product innovation
Strengthening the protection of employees’ rights
and interests
Providing high-quality and efficient services
Strengthening innovation in financial products
Advancing digital transformation
Partners
Transparency
Integrity
Win-win cooperation
Strengthening exchanges and cooperation
Improving procurement management
Employees
Protection of rights and interests
Remuneration and benefits
Working environment
Career development
Protecting the basic rights and interests of
employees
Unblocking career development channels
Providing training on job skills
Carrying out rich cultural and sports activities
Communities
Financial knowledge popularization
Support for community development
Supporting public welfare undertakings
Popularizing financial knowledge
Participating in public welfare activities
13Hua Xia Bank Co. Limited
Materiality Analysis
CSR Awards and Honors
2020 Social Responsibility Report14
The Best Inclusive Finance Award
2019 Green Bank with Excellent
Overall Assessment
China Banking Association
Top 10 Outstanding Banks for Joint
Popularization of Financial Knowledge in 2020
Best Organization Award for Illegal
Fundraising Prevention Publicity in 2020
China Banking and Insurance
Regulatory Commission (CBIRC)
Outstanding Bank Award for“Popularization of FinancialKnowledge for Safety of YourPocket”Awareness Raising
People’s Bank of China (PBOC)
Financial Consumer Protection Bureau
Financial News
Outstanding Financial Bond Issuer
Top 100 Banks for Settlement -
Outstanding Dealer
China Central Depository & Clearing
Co. Ltd.
Outstanding Bank for ESG
Responsible Investment
A Trustworthy Asset
Management Bank
The Economic Observer
2020 Banks with Outstanding
Competitiveness in Inclusive
Finance Practices
China Business Journal
The Best Socially Responsible
Listed Company Award
China Securities Golden Bauhinia
Award Organizing Committee
The 2020 Global Green
Finance Innovation Award
Best FinTech Innovation Award of the Year
Most Distinctive Credit Card Product
Award of the Year
International Finance Forum (IFF) Financial Digital Development
Alliance
The Bank of the Year for
Trade Finance
Financial News
The Best Smart Bank Award
The Best Mobile Banking User
Experience Award
China Financial Certification
Authority (CFCA)
The 2020 Outstanding Board
of Directors
SFC
The Bank of the Year for
Green Finance
Sina Finance
The 2020 Outstanding Board of
Directors
The 2020 Outstanding Bank for
Brand Building
The 2020 Rising Star of
Investment Bank
21st Century Business Herald
Star of the Battle Against the
Pandemic
Pioneer in Financial Service-
driven Poverty Alleviation
china.com.cn
The 2020 Gamma Award for Bank
Financing
The 2020 Gamma Award for Mobile
Banking
The 2020 Gamma Award for Green
Finance Bank
Securities Times
Top 10 Financial Brands for
“Benefiting the People”
Beijing Daily
Most Responsible Listed
Companies
Award of Outstanding Contributions
to Inclusive Finance of the Year
National Business Daily
Digital Economy Pioneer
Award
Securities Dailyp5w.net
Economic Performance
CSR Performance
15Hua Xia Bank Co. Limited
Total deposits Unit: RMB billion
1492.492
1656.489
1818.33
2018
2019
2020
RMB cross-border
settlement Unit: RMB billion
37.1
44.24
46.3
2018
2019
2020
CAR Unit: %
13.19
13.89
13.08
2018
2019
2020
Total loans Unit: RMB billion
1613.516
1872.602
2108.993
2018
2019
2020
Balance of loans in support of
strategic emerging industries Unit: RMB billion
30.004
81.229
79.689
2018
2019
2020
Balance of loans in support
of cultural industries Unit: RMB billion
26.753
46.499
52.93
2018
2019
2020
Percentage of loans in support
of cultural industries in the total
balance of loans Unit: %
1.74
2.62
2.66
2018
2019
2020
Balance of loans to MSEs Unit: RMB billion
357.326
396.387
456.412
2018
2019
2020
Growth of loans to MSEs Unit: RMB billion
43.056
39.062
60.024
2018
2019
2020
Shareholder equity Unit: RMB billion
218.715
269.337
282.655
2018
2019
2020
ROE Unit: %
12.67
10.61
8.64
2018
2019
2020
ROA Unit: %
0.81
0.78
0.67
2018
2019
2020
Allowance-to-NPL ratio Unit: %
158.59
141.92
147.22
2018
2019
2020
Number of countries and
regions with Hua Xia agencies Unit: /
103
116
101
2018
2019
2020
Number of cities with Hua Xia
agencies Unit: /
344
380
321
2018
2019
2020
2680.58
3399.816
3020.789
Total asset Unit: RMB billion
202020192018
Operating revenue
72.227
84.734
95.309
Unit: RMB billion
202020192018 2019
26.783 27.563 27.153
Unit: RMB billion
20202018
Total profit
2019 2020
20.986 22.115 21.568
Unit: RMB billion
2018
Net profit
The Gold Award for Investor
Relations - Institutional
Friendly Communication
Award
Balance of green loans
Number of ETC cards
Estimated carbon emissions
reduction through e-transactions
Number of ETC card users
Number of e-transactions
Unit: RMB billion
Unit: 10000
Unit: 10000 ton
Unit:10000
Unit: million
56.699
262.4
193.17
170.34
965.8410
79.844
180.043
312.75
325.62
244.01
246.01
229.44
227.07
1230.0562
1147.1926
2020 Social Responsibility Report16
Note: 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.
2018
2018
2018
2018
2018
2019
2019
2019
2019
2019
2020
2020
2020
2020
2020
Social Performance
Number of outlets Unit: /
1022
1025
1022
Total number of employees
from ethnic minority groups Unit: /
1750
1683
1785
Customer satisfaction rate for
95577 customer service center Unit: %
97.11
99.56
99.61
Number of participants of
employee training sessions Unit: /
224911
261106
370748
Total number of employees Unit: /
40997
38639
39284
Total charitable donations Unit: RMB million
12.34
18.256
80.233
Indicator Unit 2018 2019 2020
Number of rural outlets / 102 106 107
Number of outlets in old revolutionary base areas areas
inhabited by ethnic minority groups remote and border areas
and poverty-stricken areas
/ 79 81 81
Number of community sub-branches / 192 177 168
Number of online corporate banking transactions 10000 3649.77 4692.58 3018.07
Number of online personal banking transactions 10000 4538.94 3682.81 2344.73
Complaints and problems solved through the joint handling
mechanism of the 95577 customer service center
/ 1876 2012 13126
Settlement rate of complaints lodged through 95577 customer
service center
% 100.00 100.00 100.00
95577 call-backs / 69411 42604 130559
Percentage of female employees % 50.55 51.46 51.14
Number of employee training sessions / 3889 3986 4365
Number of AML training sessions / 3145 3046 1210
Number of participants of AML training sessions / 37046 49855 98710
Number of legal training sessions / 186 213 190
Number of participants of legal training sessions / 16317 19595 28005
17Hua Xia Bank Co. Limited
2018
2018
2018
2018
2018
2018
2019
2019
2019
2019
2019
2019
2020
2020
2020
2020
2020
2020
Environmental Performance
19
A Dedicated Hua Xia with Craftsmanship A Philanthropic Hua Xia with Inclusive Finance
Hua Xia Bank Co. Limited
A Sincere Hua Xia with Innovative Services
We surveyed customers’ needs for financial services for medical
institutions medicine production and procurement etc. and
met such needs instantly. An express service channel for cross-
border remittance was opened with dedicated employees on
duty for 24 hours to meet business needs including importing
critical medical supplies and procurement of prevention and
control materials. Besides we implemented reduction and
exemption and all individual transfers and donations initiated
by “Loving Donations” of online corporate banking to fight the
pandemic were exempted from handling fees. We also offered
preferential interest rates to companies that provide and sell
anti-pandemic medical supplies and to those ensuring living
standards. Our service efficiency was improved to give priority
to the acceptance of the business on pandemic prevention the
affected one and the credit business in Wuhan.
For seriously affected small and micro enterprises we took
the initiative to extend credit renew loans issue new loans for
repaying the old ones adjust the repayment plan and exempt
or cut interest rates to help them resume production. An
exclusive product “Huaxia’s Loving Loans” was launched for
staff participating in the prevention and control of the pandemic.The personal credit repayment period was flexibly adjusted
for the affected people. By the end of 2020 the loans of 556
customers had been extended with an amount of RMB 589
million.We announced the changes of our business hours on our official
WeChat accounts and official website and worked to ensure
efficient convenient and safe financial services at our business
outlets across the country. We enabled customers to complete
transactions through our online channels such as mobile
banking online banking and telephone banking as well as
Long Business Loan Long Concessional Loan and other online
platforms without leaving their home. Our customer service
center formulated a contingency plan and worked around-the-
clock to ensure non-stop functioning of our 95577 hotline and
financial services.Opening an express service channel in the
first place
Facilitating the resumption of work and
production with all efforts Constant innovation of online financial services
Contributing to the Fight Against the
COVID-19 with Concerted Efforts
At the beginning of 2020 the COVID-19 pandemic raged across China. Faced with the
serious situation the Bank conscientiously implemented the pandemic control decisions
of the Party Central Committee and the State Council and adopted special measures for
solving special and urgent incidents ensuring stability and security on six fronts. We gave
full play to the role of financial service in supporting pandemic control work made every
effort to help prevent and control the pandemic and resume work and production and
worked with all stakeholders to overcome the difficulties.
8
11077
20.705
we issued
a total of RMB
measures in support of pandemic prevention and control and
the provision of financial services
billion of credit fund was issued to 288 enterprises involved in
pandemic prevention and control
we postponed the repayment of principals and interests and
cut the interest rates for
enterprises (including small-business owners individual
industrial and commercial households with a cumulative
business principal of RMB 204.155 billion) hit by the pandemic
In 2020
The staff of Guangzhou Branch actively helped enterprises in resuming
work and production
Beijing Branch helped a company purchase pandemic-prevention
supplies overseas
The Head Office organized an emergency drill for
pandemic control in Dongdan’s office building
Enhancing financial support for fighting COVID-19
The Bank launched an anti-pandemic wealth management
product with a one-year close period and raised RMB
3 billion. The profits that we surrendered through the
reduction or exemption of management fees sales
commissions and custody fees were all used to attract
investors to buy anti-coronavirus bonds.
Case
Launching an anti-pandemic wealth management
product
18 2020 Social Responsibility Report
2120 2020 Social Responsibility Report Hua Xia Bank Co. Limited
It took only five hours from
credit application to loan
granting by means of
online credit approval and
manual bookkeeping in the
core banking system for
Beijing Branch to provide
an emergency loan of
RMB 100 million which
was used by Beijing to
purchase the first batch of
pandemic-prevention items
including masks overseas.It provided solid and
timely financial support
for disaster relief to Hubei
Charity Federation Hubei
Red Cross Foundation
and other organizations.It closely cooperated with
China Construction Third
Engineering Bureau Co.
Ltd. Peking Union Medical
College Hospital and other
units and timely provided
them customized financial
services.It worked with WeDoctor
a platform that brought
together 6700 academic
experts and over 200000
physicians (associate
professor or above) from
1900 major hospitals across
the country to provide
a full range of services
covering appointment and
registration online diagnosis
and treatment electronic
prescription and online
dispensing.It launched the “Entry and
Exit Registration System”
mini-app on WeChat that
offers free registration
service. The mini-app
helped facilitate the
resumption of work and
entry and exit management
of employees and
community residents thus
reducing the risk of cross
infections.Its village-based poverty
alleviation team took the
initiative to take body
temperature and disinfect
vehicles at the village
entrance persuade
visitors to go back
supervise gatherings of
villagers visit and register
body temperatures of
all villagers every day
and popularize the latest
pandemic development
of and knowledge about
pandemic control.
Beijing Branch Wuhan Branch Shenzhen Branch Changzhou Branch Yinchuan Branch
Wuhan Branch made donations for building Huoshenshan Hospital
2.37 100000 51 10200
240000
Wuhan Branch donated anti-virus supplies
30
In 2020
Spreading the love of Hua Xia Bank
through charity donations
the Bank donated RMB
the Bank donated more than
RMB the Bank donated a total of donated
million through a youth volunteer
donation campaign
masks for pandemic
prevention and control in
Xicheng District Beijing
employees from
Hua Xia Bank’s
subsidiaries and
branches in Beijing
packages of disposable
tableware and other daily
necessities
mL of blood
million to Hubei Charity Federation
400
the Bank donated
quilts
to construction workers
from China Construction
Third Engineering Bureau
Co. Ltd. who were building
Huoshenshan Hospital and
Leishenshan Hospital
Case
2322 2020 Social Responsibility Report Hua Xia Bank Co. Limited
Li Minji Party Secretary and Chairman of Hua Xia Bank extended greetings to officials dispatched to communities
Zhang Jianhua Deputy Party Secretary and President of Hua Xia Bank worked with officials dispatched to communities
Officials dispatched to communities conducted pandemic prevention and control activitiesOfficials dispatched to communities kept a journal of their daily work
47
156
4
To give full play to the role of the Party’s primary organizations as bastions and the exemplary vanguard role of Party members and
officials we selected outstanding Party members and youth backbones from all units in Beijing to participate in pandemic prevention
and control in communities and to jointly build a people’s defense line with streets communities and residents thus improving the
capacity for pandemic prevention and control at the community level. We also established a temporary Party branch in communities
to provide relevant staff with protective equipment and disinfection materials such as masks disposable gloves infrared temperature
guns hand sanitizers etc.Remaining true to the original aspiration
of serving the community
In 2020
three batches of excellent Party
members and
days to participate in the front-line
prevention and control of the pandemic
young backbones
were selected and dispatched to
for
communities
2524 2020 Social Responsibility Report Hua Xia Bank Co. Limited
After the COVID-19 outbreak an emergency leading team for COVID-19 prevention was quickly established to make uniform
arrangements of relevant work intensify control of employees to know their acts formulate management systems based on the situation
of pandemic prevention and control and implement responsibilities at all levels thus ensuring the safety and health of employees.Under the principle of preventing the coronavirus from re-
entering the country to cause new spread we quarantined
people returning from home enhanced the management of
important groups and key links the investigation of suspected
cases and close contacts as well as the health monitoring of
employees. The Head Office monitored employees’ temperatures
and other abnormal conditions every day and reported and
handled them according to the results in a timely way.We made uniform arrangements of business hours of outlets
in accordance with regulatory requirements and made
announcements in a timely manner. In addition we implemented
customer diversion measures to guide customers to use self-
service equipment of which the cleaning and disinfection were
strengthened. Customers were also guided to complete health
information registration and body temperature testing after
entering the outlets where anti-pandemic supplies such as
masks and disinfectants were prepared for them.Outlet management
Workplace management
Publicity and education management
Beijing Branch strengthened pandemic prevention and control at outlets
Strict access management was implemented in the Head Office’s
building
Interviews with eight media outlets including Beijing Daily during the
pandemic
Lifts of the Head Office’s building were disinfected once a working hour
during the pandemic
An emergency drill for pandemic control was conducted in the Head Office’s building
Social distancing was maintained in the workplace Meals were under strict management by the Head Office
The Head Office arranged separate dining for employees
Timely announcements were made to ensure the public’s
accurate understanding of the business information of the Bank.We took the initiative to spread the latest information of our fight
against the pandemic through news media in real time. Besides
we positively responded to and kept close communication with
superior departments and reported the effectiveness of the
pandemic prevention and control work. Moreover we effectively
communicated with staff and lead them to prevent the pandemic
scientifically.The Head Office made plans on Bank-wide pandemic prevention and
control
Taking responsibility to defend safety
Employee management
Thirty-four measures including the Guidelines for the
Administrative Operation of Head Office During the Period of
Pandemic Prevention and Control were introduced to guide the
Bank’s scientific and effective prevention and control to ensure
smooth administrative operations. Besides we improved the
prevention and control system for office space and implemented
the responsibilities at all levels. The Head Office’s building was
closed for better management including strict control of the
entry and exit of staff enhancement of the disinfection of the
office area rigorous management of the property implementation
of unified supply of meals but separate dining at work stations
and enhancement of inspections.
2726 2020 Social Responsibility Report Hua Xia Bank Co. Limited
840.2222
Egg-laying Hens Poverty Alleviation Project of Hohhot Branch
Contributing to the Decisive Victory
in the Battle Against Poverty
Through Multiple Approaches
We resolutely followed the anti-poverty decisions and arrangements made by the Party
Central Committee the State Council regulatory authorities as well as Party committees
and governments at all levels and fully leveraged our rich resources and strengths as
a financial institution to fight poverty. We introduced anti-poverty credit policies and
innovated in our comprehensive financial products and services striving to provide
financial support for China to win the fight against poverty and build a moderately
prosperous society in all respects.The Bank established a poverty alleviation leading group
headed by Li Minji Party Secretary and Chairman and
strengthened the Party committee’s top-level design for and
promotion of poverty alleviation work. The implementation plans
were formulated and objectives of poverty alleviation were
clarified. Four mechanisms are in place to facilitate coordination
cooperation support and guarantee for poverty alleviation.The Bank coordinated bank-wide anti-poverty efforts to support
East-West collaboration for poverty alleviation and our paired
anti-poverty partners. Targeting key poverty-stricken counties
and districts in Xinjiang Inner Mongolia Qinghai Hebei
etc. we issued the Notice on Promoting the Implementation
of Key Poverty Alleviation Projects in 2020 identified 11 key
poverty alleviation projects and concentrated our resources on
eradicating poverty in all dimensions.We worked to ensure precise identification assistance and management effective implementation of responsibilities policies
and work and education basic healthcare and housing guarantees and saw to it that the responsibility policies assistance and
regulation should be retained after poverty elimination. We constantly improved and innovated in our financial service model for poverty
alleviation stimulated the development momentum of poverty-stricken areas and enhanced the poor’s ability to help themselves out
of poverty. We guided local villagers to consolidate the results of poverty alleviation with their own efforts and actively promoted the
integration of poverty alleviation with rural revitalization.Giving full play to the guiding role of credit policies the Bank
enhanced credit support for local agriculture agricultural and
sideline product processing industries and other characteristic
and advantageous industries in poverty-stricken areas
and adopted a variety of financial products and services to
guarantee financial support for poverty alleviation.To effectively prevent those already lifted out of poverty from
retuning to poverty and those prone to be stricken by poverty
getting into poverty and consolidate our poverty alleviation
achievements in September 2020 we donated RMB 10 million
to set up the first industry fund aimed to prevent the return to
poverty in addition to RMB 5 million donated by the People’s
Government of Fuping County.Improving organizational building for
targeted poverty alleviation
Establishing a sound mechanism to prevent
the return to poverty
Increasing credit supply
Focusing on key areas
Integrating poverty alleviation with rural revitalization
28
21582
298.7974
488.2832
In 2020
the Bank provided RMB
including RMB for supporting
and RMB
?million of personal loans to the registered poor
population
million projects of industry development for
poverty alleviation
the Bank provided financial services for
million for targeted poverty alleviation (including
credits donations and consumption-driven
poverty alleviation funds)
registered poor people
Improving poverty alleviation mechanisms
2928 2020 Social Responsibility Report Hua Xia Bank Co. Limited
A delegation led by Party Secretary and Chairman Li Minji inspected the Bank’s
poverty alleviation achievements in Xinwangzhuang Village Miyun District Beijing
A village-based anti-poverty officer assigned by Kunming Branch visited a local family to learn about their living conditions
Hua Xia Bank Kindergarten established by Urumqi Branch
Scan the QR code
to learn about the
poverty alleviation
stories of poverty
alleviation cadres of
Hua Xia Bank
We have developed various innovative poverty alleviation credit products based on local conditions such as Fisher Loan for coastal
areas in eastern China Farmer Loan for central China Photovoltaic Loan for western China and Flower Loan for Yunnan Province. These
loans targeting rural areas rural enterprises and farmers help facilitate the development of industries through credit granting create
employment opportunities and thus increase local incomes effectively boosting the development of local industries that contribute to
poverty alleviation. In 2020 the Bank set up a special fund to provide credit support for western areas that partnered with Beijing for
poverty alleviation offered special loans to local enterprises that could drive poverty alleviation and boost farmers’ incomes.We have leveraged the stimulating role of finance in the development of industries
and creation of jobs and have granted corporate and personal loans to western
areas that have partnered with Beijing for poverty alleviation to support regional
industry development. In 2020 we set up public welfare-oriented positions in
designated areas with local governments and gave preference to graduates from
poor families in recruitment. To further contribute to poverty alleviation through
employment we also issued loans to individuals and self-employed businesses.In June 2020 we invested RMB 10 million in setting up public welfare-oriented
positions in Moyu and Luopu counties through which we would create 2000 jobs
for registered poor families in the local area.We increased donations to western areas especially Moyu and Luopu in Hotan
City. In 2020 we donated RMB 41.5844 million to poverty-stricken areas an
increase of RMB 28.6908 million over 2019. Among all the donations RMB 15.8
million went to Moyu and Luopu. The Party committee also mobilized employees
to make donations through the official WeChat account of the Social Participation
in Poverty Alleviation and Development of China and the donations amounted to
RMB 1.67 million.
We have invested in education in poverty-stricken areas for
years; the cumulative investment during the recent three years
exceeded RMB 11 million. We invested RMB 8.5 million in total
in building “Hua Xia Bank Kindergartens” rebuilt or expanded
“Arele Primary School” and “Gujiang Bage High School”
creating a new path to support basic education through poverty
alleviation. In June 2020 we invested RMB 2.5 million in Yushu
Vocational and Technical School Qinghai to develop a field
training base drinking water projects and to sponsor outstanding
teachers to pursue the master’s degree or advanced studies
benefiting more than 7000 teachers and students.We actively supported the Smart Vending Machine for Products from Poor Areas
a key project initiated by the State Council Leading Group Office of Poverty
Alleviation and Development. We issued an RMB 5 million credit loan to the
project undertaker in 2020. Besides we increased targeted procurement of
agricultural and sideline products in poor areas. In 2020 we purchased RMB
11.5572 million of goods from poor areas.
Industry development for poverty alleviation
A “golden key” to poverty alleviation and a door leading to prosperity and happiness
Employment for poverty alleviation
Stabilizing employment and encouraging hard work for a better life
Consumer spending on products from poor areas
Replacing donations and assistance with consumer spending so that
everyone can contribute
Anti-poverty charity
Gathering every drop of love for a loving world
Education for poverty alleviation
Ending intergenerational poverty through education and securing a fair chance for poverty-stricken children
Innovative poverty alleviation approaches
3130 2020 Social Responsibility Report Hua Xia Bank Co. Limited
Honors and Awards
Since the launch of the partnership assistance program between Beijing
Branch and Xinwangzhuang Village the Branch has effectively boosted
farmers’ income and wealth through such livelihood-benefiting projects as
joint Party building industrial upgrading charity donations purchase of
self-produced agricultural products and recruitment of college students
from poor families. The tomato greenhouse and understory fungus planting
area constructed under the aid of the branch increase the collective
income of the village by at least RMB 60000 per year. The newly built
hiking trails and the 1958 art district attract a large number of tourists to
come for sightseeing and accommodation. Beijing Branch also helped the
village design the “Xinwangzhuang” brand LOGO for agricultural products
increasing the added value of agricultural products.Many years in a roll the village-based poverty alleviation team has been
helping Erdaozhuang Village Xiazhuang Township Fuping County
Baoding City. Song Xiyuan the first secretary of the village-based work
team has become a member of the harmonious family. With the help
of the work team the entire village has established industries with local
characteristics such as edible fungi forest and fruit photovoltaics etc.and set up labor service posts where people with labor ability can make
money through physical labor and those unable to work can receive
subsidies. The work team assisted the village committee to provide job
opportunities for 141 poor people.Since 2017 Urumqi Branch has successively invested more than RMB
37.5 million in donations and operating expenses in Hotan Xinjiang
and assigned 15 comrades to participate in the village-based poverty
alleviation work in the three extremely impoverished villages of Hotan City.The Branch also launched the “Hua Xia Bank Huimin Supermarket” “HuaXia Bank Poverty Alleviation Coal Yard” “Hua Xia Bank Poverty AlleviationNight Market” and other livelihood-benefiting programs which helped
1142 poverty-stricken people from the three villages to get rid of poverty.
In order to help Huanghua Village make new breakthroughs in developing
the collective economy Kunming Branch invested RMB 100000 which
along with the RMB 50000 of subsidy that the village committee applied
for from the organization department of the county Party committee wasinvested in the ecological farm of the village. Through a “Party branch +cooperative + breeding base + farmer households” model the investment
assists farmers to increase their income and helps adjust the agricultural
industry structure and strengthen the collective economy. In the first year
of its operation the collective economy of the village achieved a profit of
more than RMB 20000.Shijiazhuang Branch Kunming Branch
Village-based cadres of Chengdu Branch sent school supplies to the kindergarten in Wangbuding Township
The Bank was rated “Good” in the annual assessment of
poverty alleviation performance by the Beijing State-owned
Assets Supervision and Administration Commission (Beijing
SASAC).
The village-based work team of Urumqi Branch had
been rated “Excellent” in the performance appraisal of
Xinjiang Uygur Autonomous Region for three consecutive
years.Shijiazhuang Branch was recognized as the “Most
Enthusiastic Public Welfare Partner” by Hebei Charitable
Joint Foundation.Shijiazhuang Branch’s village-based poverty alleviationteam was recognized as the “Excellent Village-basedPoverty Alleviation Team in 2019” by the Organization
Department of the Hebei Provincial Committee of the
CPC and Hebei Provincial Poverty Alleviation and
Development Office.
Urumqi Branch’s poverty alleviation work in deep-poverty
villages had been rated “First Class” in the assessment
of Xinjiang for two consecutive years.Urumqi Branch was awarded the honorary titles
of Advanced Enterprise for Promoting Industry
Development and Advanced Grassroots Unit for
Contributing to Poverty Alleviation by Hotan City.
Urumqi Branch was rated “Excellent” for all the four
major indicators in the 2019 performance appraisal
of village-based teams and won the honorary titles of
Unit of Excellent Organization Advanced Work Team
Advanced Work Team Leader and Advanced Work
Team Members.Song Xiyuan from Shijiazhuang Branch was honored the
Advanced Individual of Poverty Alleviation Collaboration in
Beijing.
Ma Shuxin from Urumqi Branch won the honorary title of
Advanced Individual of Poverty Alleviation Collaboration in
Beijing issued by Beijing Poverty Alleviation and Support
Office.Gao Wenfeng from Shijiazhuang Branch was honored by
the Organization Department of Hebei Provincial Party
Committee and Hebei Provincial Poverty Alleviation and
Development Office as the Excellent Member of Village-
based Teams for his contributions to poverty alleviation in
Hebei Province in 2019.Li Yingchun from Kunming Branch was honored the
Outstanding Member of Village-based Poverty Alleviation
Teams in 2020 and the Most Beautiful Poverty Alleviation
Cadre.
Shijiazhuang Branch:Kunming Branch was recognized as the “Model Unit inPoverty Alleviation in 2020” by the Party Committee and
Government of Dali Bai Autonomous Prefecture Yunnan
Province.Hohhot Branch won the honorary title of the Model Unit in
Poverty Alleviation issued by the People’s Government of
Ar Horqin Banner Chifeng City.
The Bank won the Targeted Poverty Alleviation Vanguard
Award in the Third Top Pioneers List of Financial Poverty
Alleviation 2020 selection campaign hosted by China.
com.The Bank won the honorary title of Excellent Organization
Unit in the picture collection campaign themed poverty
alleviation organized by Guangming.com.Urumqi Branch:
Enriching poverty alleviation practices
Beijing Branch Urumqi Branch
Case
2020 Social Responsibility Report 3534
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Hua Xia Bank Co. Limited
Promoting the Coordinated Development
of the Beijing-Tianjin-Hebei Region
Positioned to be a major financial service provider for the Beijing-Tianjin-Hebei region
we actively served Beijing’s drive to develop into a national political center and cultural
center an international exchange center and technology innovation center and relocate
its non-capital functions. We also increased financial support for the development of
the Beijing Municipal Administrative Center and the Xiongan New Area and for the
coordinated development of the Beijing-Tianjin-Hebei region.Serving the development of “One Core”
As a “bank for Beijing” we followed the city’s master plan for development and increased
the financial support for the construction of the city. We helped Beijing sharpen its edge
in technological innovation and cultural development and promoted the economic
transformation and development of the capital.the Bank provided RMB 260.7
billion of financing for projects in Beijing
the Bank had provided RMB 31 billion of
financing for small and micro enterprises
in Beijing
The Bank continued to ramp up financial support for SOEs under Beijing SASAC such
as the Shougang Group Beijing Construction Engineering Group and BBMG Corporation
Ltd. Specifically targeted products were innovated in different areas ranging from
collectively-owned construction land urban renewal and financing during project
operation period. The move has provided financial support for the construction of the
capital.To provide quality financial services for small and micro enterprises we have settled in
the Beijing First Loan and Renewal Service Center and set up 18 financial service centers
targeting small and micro enterprises to provide them with a green channel to consult on
and handle credit-related businesses. Since 2017 Hua Xia Bank has provided RMB 81.2
billion in credit support to 16500 small and micro enterprises in the capital.the Bank signed strategic cooperation agreements with 1 government department 5
enterprises under Beijing SASAC and 1 private enterprise
underwrote 58 corporate bonds issued by local enterprises with an amount of RMB
61.4 billion a year-on-year increase of 52%
Promoting economic development
In 2020
In 2020
The Bank signed the strategic cooperation agreement with Beijing Financial Holdings Group
As of the end of 2020
To build Beijing into a national cultural center the Bank has actively responded to the
financial needs of cultural and creative enterprises contributing to the cultural boom in
the city.the Bank provided RMB 22.9
billion of financing for 295 cultural
and creative enterprises in Beijing
In 2020Boosting cultural prosperity
The Bank has launched seven featured financial products and offered comprehensive
financial services boosting the development of these brands. The Bank signed a strategic
cooperation agreement with Beijing Wuyutai Tea Co. Ltd.The Bank has launched the Hua Xia loan series for cultural parks in Beijing and become
one of the first batch of financial institutions with the intent to invest in risk compensation
to reward these enterprises in Beijing. Amid the pandemic the Bank has issued ten
measures to help cultural MSEs reduce operating costs.The Bank has successfully invested in the Action Plan for Supporting FIRST CAPITAL-
Capital Securities-Phase I Cultural Leases making its contributions to the integrated
development of Beijing’s culture and technology and building Beijing into the cultural
center of China.Ramping up financial services for cultural and creative enterprises
Scan the QR code
for more information
about Hua Xia
Bank’s policy on
financial services for
cultural and creative
enterprises
To build Beijing into the national STI center the Bank has taken the initiative to integrate
into the Zhongguancun innovation ecosystem continued to expand the service coverage
and propelled the transfer and commercialization of technological advancements to
develop Beijing into a global STI leader. the Bank provided RMB 48.7billion
of financing for 490 technology
enterprises in Beijing
Financing science technology and innovation (STI)
Supporting the development of technology enterprises
We contacted
Administrative Committee
of Zhongguancun Science
City (formerly known as
Zhongguancun Haidian
Science Park) Beijing
Local Financial Supervision
and Administration
Shenzhen Stock Exchange
and Zhongguancun Listed
Companies Association
and enhanced cooperation
with Haidian Financial
Service Platform
We continued to do business
with financing guarantee
agencies such as Beijing
Zhongguancun Sci-tech
Financing Guaranty Co.
Ltd. Beijing Investment and
Guaranty Corporation and
China National Investment
and Guaranty Corporation
co-built the risk sharing
mechanism and adopted
proper and effective risk
control measures to provide
strong financing support for
high-tech enterprises
In cooperation with an
intellectual property
operations management
company we launched the
IPR Loan (Zhirongbao or
Smart Loan) and Small Smart
Loan vigorously promoted
IPR pledges and loans
and explored ways toward
securitization of the collective
IPR assets of Zhongguancun
Intensifying cooperation Innovating in servicesEstablishing a platform
In 2020
Continuing to implement the Time-Honored Brand Action Plan
Deepening the integrated development of culture and finance
Boosting the innovation-driven development of IP financing
2020 Social Responsibility Report 3736
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Hua Xia Bank Co. Limited
Responding to national and municipal development strategies the Bank has provided higher-level financial services for the
government and enterprises in the Beijing Municipal Administrative Center for win-win development. In 2020 we opened a branch in
the administrative center. The branch would provide premium financial services for infrastructure construction green finance industry
transfer STI culture & creativity and personal finance.Supporting the development of the Beijing Municipal Administrative Center
The Bank increased financing for key projects such as comprehensive transportation hubs and rail transit
system to speed up the development of integrated transportation.The Bank continued to advance its financing projects for air pollution control in the Beijing-Tianjin-Hebei
Region and introduced green finance bonds to finance green projects in the administrative center.The Bank increased financing for the reconstruction of bungalow neighborhoods and run-down areas in
Tongzhou to improve living conditions.The Bank actively financed the construction of Yunhe Business District National Cybersecurity Industrial
Park Universal Beijing Resort as well as other key infrastructure projects.Supporting the development of the Beijing Municipal Administrative Center and Xiongan New Area
With the focus of helping Beijing relocate its non-capital functions the Bank has considerably promoted the development of the Beijing
Municipal Administrative Center and Xiongan New Area contributing to the high-quality coordinated development of the Beijing-Tianjin-
Hebei region.We have formulated the Implementation Plan for Providing Financial Services for the Innovation-driven Development of Xiongan New
Area. Our financial services for Xiongan New Area are diverse covering such areas as infrastructure construction environmental
governance industry transfer and undertaking. In 2020 our Xiongan Branch was officially opened and signed strategic cooperation
agreements with six local key enterprises to guarantee better financial services for Xiongan New Area.Opening ceremony of Xiongan Branch
Service hall of Xiongan Branch
Supporting the development of Xiongan New Area
Eight main measures to support the development of Xiongan New Area
The Bank developed a scene-based omni-
channel service ecosystem combining
our app and provided local residents with
high-quality personal banking services
including wealth management debit cards
with the coordinated development of the
Beijing-Tianjin-Hebei region as the theme
ETC service etc.
The Bank set up more outlets
and ATMs to form a more
rational layout in Xiongan New
Area.
The Bank supported XionganNew Area to build a “green low-carbon intelligent efficient eco-friendly and livable” city. We
offered international sub-loans
green credit and other products
and services and lent more to
projects like the Beijing-Tianjin-
Hebei Air Pollution Prevention
and Financing Innovation .The Bank accelerated the
development of online
financial services for supply
chain based on blockchain
technology to form an
industry ecosystem featuring
positive interlay sustainable
development and mutual
benefits boosting the
construction of Xiongan’s
“smart city brain project”.The Bank helped build a service-
oriented government. Followingthe development trend of “Internet-based governance” the Bank
continued to improve IT services
for government finance social
security housing and urban-rural
development etc.The Bank actively supported the
development of micro small and
medium-sized enterprises. Apart
from introducing more innovative
products and models the Bank
sped up the development of
online business leaned credit to
them and continuously improved
service efficiency for them with
the help of FinTech.
5
6
7
8
43
Supporting the
development of
integrated transportation
Supporting ecological
conservation
Improving living
standards
Promoting infrastructure
construction
The Bank offered preferential
pricing for key projects engaged
in infrastructure construction
environmental governance
industry transfer and undertaking.The Bank increased direct
financing and enhanced
support for debt-based
financial instruments issued
by local large enterprises
such as China Xiongan
Group.
2020 Social Responsibility Report 3938
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Hua Xia Bank Co. Limited
Contribution to the coordinated development of the
Beijing-Tianjin-Hebei region
The Bank established a leading group on the development of the Beijing-Tianjin-Hebei
region. Based on vertical and horizontal collaboration and coordination between the Head
Office and branches we increased resource input and policy support for key projects in
the region to substantially improve our contribution to the coordinated development of
the Beijing-Tianjin-Hebei region.the Bank financed RMB 65.6
billion for key projects related to the
coordinated development of the Beijing-
Tianjin-Hebei region
the Bank had opened 160 banking
outlets in the Beijing-Tianjin-Hebei region
In 2020
As of the end of 2020
Promoting the development of key functional areas of the Beijing-Tianjin-Hebei region
In 2020
The Bank presented China Renewable Energy and Battery Energy Storage Promotion Project in the New Product New Technology New Applicaiton
Scenario Promotion Conference of Beijing SASAC
Leveraging our unique strengths in green finance the Bank further strengthened
cooperation with international financial organizations such as the World Bank and
introduced low-cost funds such as sub-loans of the World Bank and foreign government
loans to support energy conservation emission reduction and clean-energy development
in the Beijing-Tianjin-Hebei region.the green loan balance of our branches in
the Beijing-Tianjin-Hebei region reached
RMB 37.901 billion
an increase of RMB 14.436
billion of the green loans
an increase of 61% from the previous
year
The Bank actively built an integrated financial service circle for the Beijing-Tianjin-Hebei
region with integrated personal financial services concerning payment rate discounts
and lending and financing. Moreover the Bank continued to upgrade the debit card
themed on the coordinated development of the Beijing-Tianjin-Hebei region enabling its
holders to use it to take public transportation commuting between the three places.the Bank had issued
2377300debit cards
themed on the coordinated development
of the Beijing-Tianjin-Hebei region
the Bank had financed 28 projects
in the Innovative Financing Project for Air
Pollution Control in the Beijing-Tianjin-
Hebei region
Supporting the integration of public services in the Beijing-Tianjin-Hebei region
Supporting the ecological governance and restoration of the Beijing-Tianjin-Hebei
Region
As of the end of 2020
Shijiazhuang Branch signed a strategic cooperation agreement with Langfang Airport
Economic Zone on providing financial services for Langfang Airport Economic Zone
mainly the Airport Service Center and Beijing Daxing International Airport Bonded Area
(Hebei) Phase I project. By now RMB 200 million of loans have been issued.The Bank offered credit loans of RMB 1.62 billion to a company in Tianjin Binhai New Area
and issued ultra-short bonds of RMB 500 million for the company. Additionally the Bank
independently underwritten and wholly invested in China’s first debt financing program of
RMB 1 billion under the theme of “Coordinated Development of the Beijing-Tianjin-HebeiRegion” which was issued by a company in Tianjin Economic-Technological Development
Zone .The Bank actively communicated with the Zone Management Committee extended credit
to Caofeidian State Control Investment Group Co. Ltd. and enhanced financial service for
the Zone and its resident enterprises.The Bank granted a credit loan of RMB 1.38 billion to a wind energy company in Zhangbei
County and a new energy company in Hebei supporting the Zhangjiakou Wind Power
(Clean Energy) project.
Beijing Daxing International Airport Economic Zone
Tianjin Binhai New Area
Beijing-Hebei Caofeidian Co-development Demonstration Zone
Zhangjiakou-Chengde Ecological Function Zone
2020 Social Responsibility Report 4140
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Hua Xia Bank Co. Limited
Implementing State-level Regional
Development Strategies
The Bank has developed the regional development strategy based on “Three Zones Two Lines Multiple Outlets”. Leveraging our
expertise the Bank formulated credit investment and financing policies and motivated branches to serve the mainstream economy
based on local situation promoting the coordinated and high-quality regional economic development.
Advancing the integration of the Yangtze
River Delta
The Bank deepened the mechanism and capacity building for
integrated and coordinated development. We strengthened
research on regional policies seized market opportunities
and allocated more credit loans to advance the integrated
development of the Yangtze River Delta.The meeting of our branches in the Yangtze River Delta on integrated development led by Li Minji Party Secretary and Chairman of Hua Xia Bank
Shanghai Branch provided
comprehensive financial
services for major projects
involving an airport group
and a new energy vehicle
company advancing the
integrated development
of financial services for
key companies in the
Yangtze River Delta.Hangzhou Branch signed
a strategic cooperation
agreement with the
Hangzhou Municipal
Government according
to which Hangzhou
Branch will provide RMB
120 billion of financing for
outstanding enterprises
and key projects in
Hangzhou in the next
three years.Nanjing Branch had
financed more than
RMB 100 billion for
key projects such
as the Ecological
Restoration Project of
Dazong Lake.
Shanghai Branch Hangzhou Branch Nanjing Branch
The Bank optimized local branches’ cross-border financial service system and vigorously
developed a portfolio of specialty products providing comprehensive financial services
for the Greater Bay Area.balance of loans for the Greater Bay Area
had reached RMB194.2 billion
a year-on-year increase of 28.2%
Giving full play to the advantages of
Guangzhou as a national central city
and comprehensive transport hub
and supporting the development of
infrastructure strategic emerging
industry advanced manufacturing and
modern service industry
Leveraging its advantages brought
by the abundant leading FinTech
companies and financial resources
and flexible policies accelerating
the development of technology and
finance and building an innovation
base
Taking advantage of Hong Kong’s position as an international financial and trade center
and global offshore RMB business hub strengthening trade finance and innovation-
driven development and establishing the platforms for overseas customer service
investment financing and trade
As of the end of 2020
Case
Our Hong Kong Branch issued USD 50 million of bilateral loans to a company
and signed a strategic cooperation agreement with the company on corporate
account financing product diversification and internet platform. The two sides
aimed to jointly create high-quality financial services.Providing high-quality financial services for enterprises in the Greater
Bay Area through cross-border cooperation
Guangzhou Branch Shenzhen Branch
Hong Kong Branch
Promoting the development of the
Yangtze River Economic Belt
The Bank closely followed the development trend of the Yangtze
River Economic Belt and provided premium financial services for
infrastructure construction in areas essential to public wellbeing
and industrial upgrade to inject impetus into regional high-quality
development.
Case
Case
The Bank lent RMB 100 million to a company in Yu 'an
District Lu 'an City Anhui Province for river dredging
pipeline network inspection and restoration post-flood
reconstruction projects etc. to help local residents return
to normal life as soon as possible.
Aiding flood control and promoting the infrastructure
construction of the Yangtze River Economic Belt
Supporting the construction of key projects in the
Yangtze River Delta region
Supporting the development of the Guangdong-Hong
Kong-Macao Greater Bay Area
2020 Social Responsibility Report 4342
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Hua Xia Bank Co. Limited
Promoting Industrial Transformation
and Upgrade
In line with national policies on industrial upgrade the Bank actively engaged in the reform of state-owned enterprises
(SOEs). This move contributed to the upgrade of traditional industries the development of strategic emerging
industries and the high-quality growth of the real economy.Supporting the transformation of traditional industries Supporting strategic emerging industries
Guided by relevant industrial policies and the distribution of
various industries the Bank promoted the mutually beneficial and
integrated development of the financial industry and traditional
industries thus facilitating the transformation and upgrade of
traditional industries.The Bank actively increased financial support for key industries
and areas contributing to the rapid development of high-
end equipment manufacturing new-energy vehicles and other
strategic emerging industries. As of the end of 2020 the balance
of loans to support strategic emerging industries was RMB 79.689
billion.
Case
Case
The Bank used on-lending funds to support the
construction of a photovoltaic power generation project
in Changzhi County by a subsidiary of a mining group
in Shanxi to facilitate local energy transformation. After
completion the project can generate 23471400 kWh
annually saving 7763.3 tons of standard coal.The Bank worked to advance the ABN project of an
aviation company to promote the securitization of accounts
receivable make good use of idle assets and speed up the
company’s development.
Boosting the transformation and upgrade of a
traditional coal enterprise Issuing China’s first Asset-Backed Medium-Term
Note (ABN) in general aviation
Changzhou Branch visited an enterprise to investigate the R&D in the field of new materials
Serving China’s Opening-up
Under the new development pattern of “dual circulation” the Bank made active contributions to stabilizing foreign
investment trade and achieving a higher level of opening-up by providing cross-border financial support for the Belt
and Road Initiative projects the going global campaign of Chinese enterprises and the development of free trade
areas.Main measures for stabilizing foreign investment and trade
The Bank developed the Online Cross-border
Financial Service Guide mobilized the headquarters
branches and sub-branches to collaborate with
each other and opened green channels to ensure
the arrival of imported anti-pandemic materials and
overseas donations.The Bank provided integrated financial services
for enterprises including the whole-process
foreign exchange policy consultation cross-border
guarantee/standby letter of credit (SBLC) etc.The Bank implemented the Circular of the State
Administration of Foreign Exchange on Optimizing
Foreign Exchange Administration to Support
Foreign-related Business Growth and other policies
to improve foreign exchange service efficiency and
guard against cross-border capital flow risks.The Bank launched online services such as
supply chain cloud account supply chain online
contract signing and blockchain forfaiting to reduce
customers’ travel costs.Setting up a taskforce
Innovative services
Implementing facilitation policies
Promoting online services
Case
Shortly after the COVID-19 outbreak the Bank launched the green channel for cross-border business and simplified the process
for import purchase of foreign exchange facilitating customers to import anti-coronavirus materials and accept overseas
donations.Launching the green channel for cross-border business
In response to a customer’s needs for
importing anti-coronavirus materials the
branch opened a USD 13 million letter
of credit and reduced handling fees for
customers.In spite of traffic control and other
difficulties the branch settled USD 80
million of foreign debt for a customer.The branch was able to complete
the processes of foreign exchange
purchase payment and settlement within
20 minutes and helped an enterprise
source infrared ear thermometers
and other protective equipment from
American manufacturers.
Guangzhou Branch Nanchang Branch Suzhou        Branch
2020 Social Responsibility Report 4544
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Hua Xia Bank Co. Limited
Supporting the Belt and Road Initiative
Supporting the development of Free Trade Zones
Developing cross-border financial services
The Bank actively supported the Belt and Road Initiative (BRI) and expanded its
correspondent bank network in partner markets. With innovation in trade finance
products debt financing instruments and inter-bank investment the Bank helped promote
infrastructure construction and market development in BRI countries.the Bank had established 637
correspondent banks in BRI markets
accounting for 53% of all correspondent
banks of the Bank
the Bank had established 30 service
outlets in 21 FTZs across the country
The Bank ramped up efforts to support the development of Free Trade Zones (FTZs).We set up institutions launched products and leveraged the advantages of free trade
accounts in cross-border direct investment and cross-border financing to meet the
financing needs of multinational corporations overseas institutions and Chinese-invested
enterprises and help promote the reform of FTZs.The Bank innovated trade finance products strengthened international cooperation and
supported the internationalization of Renminbi providing reliable financial support for the
going global campaign of Chinese enterprises.
As of the end of 2020
As of the end of 2020
Case
Chongqing Branch has strongly supported the Sino-Singapore (Chongqing)
Demonstration. It helped customers to list on the Singapore Exchange promoted
cross-border green bond and RMB capital pool projects and provided new
alternatives of financing channels.Supporting Chongqing’s drive to develop into a pioneer of inland
opening-up in China
The Bank expanded its correspondent bank network at home and abroad enhanced communication and
cooperation with international peer banks and provided customers with local and foreign currency integrated
trade financial services. As of the end of 2020 the Bank had set up 1206 correspondent banks at home and
abroad in 321 cities of 101 countries and regions on all five continents of the world.The Bank actively promoted credit insurance financing international factoring FTZ pledge financing
loans increased support for exporters and reduced financing costs of Chinese-invested enterprises.Moreover the Bank realized online scenario-based application of supply chain financial services strongly
supporting the development of MSMEs.The Bank continued to advance RMB internationalization with four product lines i.e. cross-border account
services cross-border settlement products cross-border financing products and capital projects. We aimed
to facilitate cross-border settlement and financing businesses using Renminbi and allow customers to benefit
from RMB settlement facilitation policies. As of the end of 2020 the Bank had handled the cross-border RMB
business of RMB 46.3 billion.
Expanding
channels for
global service
delivery
Innovating
trade finance
products
Supporting
Renminbi
internationalization
2020 Social Responsibility Report 4746 Hua Xia Bank Co. Limited
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
2020 Social Responsibility Report 4948 Hua Xia Bank Co. Limited
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Promoting the Growth of MSEs
The Bank has met all supervision indicators for small and micro enterprises for 11
consecutive years. The Bank took the initiative to meet the financial needs of SMEs and
improved its measures for ensuring stability in the six key areas: employment financial
operations foreign trade foreign investment domestic investment and expectations. We
developed comprehensive financial service solutions for MSEs lent more to more MSEs
with improved services and at less cost.balance of loans to MSEs: RMB
456.412 billion
loans to MSEs increased by RMB
60.024 billion
As of the end of 2020
The Bank increased policy
support for reviewing loan
applications especially
single applications for no
more than RMB 10 million by
private MSEs. The Bank also
optimized the fault tolerance
and correcting mechanism
for business innovation.The Bank set up special divisions for inclusive finance
service in key branches. We enlarged the empowering
role of FinTech coordinated resource allocation and
ramped up efforts to build a unified online lending
management platform.The Bank strengthened innovation of products technology
models and other aspects. Moreover the Bank interacted
with relevant management and information systems of core
enterprises and government departments and provided more
efficient financing services for upstream and downstream MSEs.The Bank formulated the 2020 Guiding
Opinions on Credit Access and Risk
Management of Inclusive Finance. The
Bank maintained strict managementof “customers guarantees regionsproducts platforms and quotas”;
and fostered a normalized risk
check mechanism capable of online
monitoring special examinations
cross-checks and special assessment.In addition the Bank propelled the
application of the internal review system
for retailing in the whole process of risk
control and employed both the human
and automated risk control models.
? Enhancing
business
innovation
A sound
credit system
An improved
service system
A sound
long-term
mechanism
Strengthening
risk prevention
and controlThe Bank’s inclusive finance
system
The Bank promoted cooperation
with taxation businesses insurance
and guarantee organizations.Innovating in financial products and services
With FinTech empowerment the Bank optimized the online service system to meet MSEs’ financing and development needs in a more
flexible and convenient way.
Enhancing online financial services
The Bank accelerated the construction
of the independent risk control model for
online lending. We formulated a series
of online lending systems such as
the administrative measures for online
lending rules on the management and
implementation of the Internet loan risk
control model etc.The Bank optimized the new-generation
Yinguantong tax and fee e-payment
system which allows the payment of
customs taxes in real time saves the
manual operational cost of operating
centers and improves the efficiency of
tax collection.The Bank formulated the administrative
measures and implementation rules for
the credit decision engine platform. We
also promoted the application of the
electronic credit contract management
system for small businesses improving
service efficiency with the help of
technologies.The Bank developed the payment
financing APP for MSEs to provide
more convenient financial services for
customers. The APP has such new
functions as customer credit inquiry
and online authorization for external
data query further improving the user
experience.The Bank opened an official WeChat
account focusing on inclusive finance
services which allows such self-service
functions such as credit application
loan application automatic account
registration loan repayment online
property valuation and other services.Strengthening risk control Enhancing the efficiency of tax payment Improving business efficiency
Optimizing the payment
financing system Providing convenient services
2020 Social Responsibility Report 5150 Hua Xia Bank Co. Limited
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
The Bank spared no effort to ensuring stability and security on six fronts. The lending to MSEs maintained a relatively high growth rate
supporting enterprises’ resumption of work and production.Loan Products Based on the
Annual ReviewThe Bank offered medium- and long-
term loans for MSEs with the financing
period of up to 30 years.The Bank reduced the costs for renewing
loans for customers the costs of
refinancing and the time of business
lending and automatically re-lended to
enterprises without signing a new loan
contract and exempted them from paying
back the principal within five years thus
effectively eliminating customers’ sore
spots caused by the turnover of funds.The Bank cooperated with a guarantee
company in Beijing to develop and
launch financial products such as E
Loan for Livelihood and E Loan for
Foreign Trade to provide considerate
services for Beijing’s retailing
MSEs (e.g. catering companies
convenience stores delivery
companies) and the foreign trade
enterprises engaged in the Belt and
Road Initiative.
For logistics MSEs such as consignees
shippers logistics companies and self-
employed drivers the Bank offered small
credit loans to help them pay for logistics
transportation etc. upon application
and allow them to pay back whenever
they can and provided flexible financial
services for the logistics sector.The Bank effectively helped MSEs get
rid of liquidity risks and exempted themfrom “repaying the existing loan beforeapplying for a new loan”.House Loan Express 5.0
E Loan for Livelihood & E Loan
for Foreign Trade
Logistics Loan
Loan Renewal without
Repayment of Principal
A diversified
product
system
Addressing financing difficulties for MSEs
CaseIn response to the COVID-19 pandemic Xiamen Branch launched “Reliable LoansSalary Keeper” a special loan for eligible MSEs and self-employed individuals
affected by the COVID-19 to pay salaries and help them fight against the
pandemic.balance of loans to MSEs with no more
than RMB 10 million each increased by
RMB 26.688 billion from
the beginning of the year an increase of
26.65% 14.61
percentage points higher than the growth
rate of the Bank’s loans
Reliable Loans bring timely help to MSEs
Guangzhou Branch took the initiative to understand enterprises’ needs during the pandemic
As of the end of 2020
Improving services and
connection with customers
Opening an express service channel
Innovating in products and services
Reducing financing costs
Optimizing online services
Five support m
easures
Five counterm
easures
Enhancing loan renewal services
Implementing deferral on loan repayment
Providing Work Resumption Loans
Launching Reliable Loans
Enhancing exclusive services
L o g i s t i c s L o a n
2020 Social Responsibility Report 5352 Hua Xia Bank Co. Limited
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
CaseWenzhou Branch actively participated in the campaign of “100 Banks Entering
100000 Enterprises”. The branch increased field visits to find out the enterprise
demands and formulated targeted financial service solutions. As of the end
of 2020 via the above campaign and in delivering services for “developmentdecision-making and policy implementation” the branch organized 1068 field
visits and helped 739 private enterprises and MSEs with financing of RMB 3.948
billion.Smoothening the “last mile” for financial services
Case
Shenzhen Branch issued RMB 10 million Work Resumption Loan for purchase of
raw materials intelligent upgrading of the production line and recruitment of R&D
personnel effectively alleviating a high-tech enterprise’s financial pressure and
tackling difficulties.Helping MSEs out of difficulties through Work Resumption Loans
Shenzhen Branch helped a company resume production
Kunming Branch financed small flower companies
Scan the QR code for
more information about
our Hua Xia Bank’s
Financing Scheme for
SMEs
Shaoxing Branch provided customized financial services for a printing and dyeing enterprise
Supporting Private Enterprise
The Bank earnestly implemented the major decisions and deployments of the CPC
Central Committee the State Council and regulators on supporting private enterprises
and the private sector. We ramped up efforts to improve services for private enterprises
and further cut some fees to lighten the burden on private enterprises and support their
development.the Bank cumulatively reduced or exempted
service fees for private enterprises by
RMB175.2954
million an increase of RMB
122.99million from the
previous year
In 2020
Case
Due to the sudden outbreak of the COVID-19 a technology company in Shenzhen
found itself short of working capital. Shenzhen Branch simplified the procedures
and innovatively launched “Easy First Loan” which provides customized financial
services for enterprises that have applied for the loan for the first time. The credit
amount was determined and verified in no time and the customer was offered a
preferential interest rate.Helping enterprises that have applied for the loan for the first time
2020 Social Responsibility Report 5554 Hua Xia Bank Co. Limited
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Boosting People’s Wellbeing
We diversified diverse financial products and service models to provide safe professional
and considerate financial services for customers to meet the people’s aspiration for a
better life.
Financial services for Agriculture Farmers and Rural Areas
The Bank continued to develop targeted products to improve the coverage of basic
financial services and accessibility of loans to rural areas. The Bank enhanced financial
services in an orderly manner to promote rural revitalization and help build a beautiful
countryside.balance of inclusive finance loans to
“agriculture farmers and rural areas” had
reached RMB 14.398
billion which increased by RMB
1.808billion
or14.36% from the beginning
of the year2.32 percentage
points higher than that of the Bank’s loans
As of the end of 2020
The Bank built a statistical and monitoring system for loans to
“agriculture farmers and rural areas” and continued to optimize
business processes and loan approval mechanism.The Bank deepened the banking-insurance cooperation
mechanism actively promoted agricultural supply chain finance
and developed specialty products exploring a credit enhancement
financing system centered on quality.The Bank promoted basic financial services in rural areas
developed special withdrawal services for farmers; set up mobile
terminals to provide mobile services and improved online services.
Establishing
a sound
mechanism
Optimizing
product
Improving
services
Case Case
In 2020 Hangzhou Branch issued nine loans to MSEs in
Lindai Town Pinghu City totaling RMB 29 million. It helped
improve the quality and efficiency of modern agriculture
and boost rural employment.Kunming Branch supported Jiangnan Village construct
infrastructure green and beautify the environment and
harden roads. It improved various public service facilities
including health centers libraries and fitness sites
effectively improving the living environment of the village.Supporting the development of industries to help build
a beautiful countryside
Promoting infrastructure construction and improving
rural landscapes
Hangzhou Branch helped build a beautiful countryside in Lindai Town Pinghu
Case
As of the end of 2020 Chengdu Branch had granted 54 credits loans totaling RMB 160 million to the doubanjiang industry in
Pi County. The loan has effectively solved the financing difficulties of local doubanjiang producers while increasing the yield and
income of broad-bean growers.
Doubanjiang Loans help local enterprises thrive
Chengdu Branch employees visited doubanjiang enterprises
Kunming Branch helped Jiangnan Village improve its environment
2020 Social Responsibility Report 5756 Hua Xia Bank Co. Limited
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
Supporting livelihood improvement
Responding to the country’s call to support the development of Central and Western
China and the Old Industrial Bases in Northeast China the Bank continued to improve
basic financial services and the layout of county-level outlets. We provided quality
financial services to less-developed areas especially in such areas as public services
medical service education and senior care.the Bank had opened 107 outlets
in rural areas
provided services for 81 outlets in old
revolutionary base areas areas inhabited
by ethnic minority groups remote and
border areas and poverty-stricken areas
the Bank opened 1 more county-level
sub-branch
opened7 new outlets in Central and
West China
As of the end of 2020
In 2020
Kunming Branch served a customer of ethnic minority
Responding to the country’s call for improved living standards and social security the
Bank continued to optimize resource allocation for projects vital to people’s wellbeing and
make professional financial services accessible to every resident.
Developing inclusive finance
Case
Case
Guiyang Branch successfully reached the RMB 3 billion banking-insurance
cooperation with a water conservancy company to support the resumption of work
and production of key water conservancy projects of the company effectively
guaranteeing livelihood-benefiting projects.
Changchun Branch brought heat suppliers users and payment channels together
on WeChat to form a platform for trustworthy public utility payment and convenient
lifestyle services.Helping fight droughts and water shortage in northwestern Guizhou
Empowering public services
Supporting consumption
The Bank actively promoted consumption in areas essential to people’s wellbeing and
served residents’ core consumption needs for a better life thus boosting domestic
consumption and confidence and momentum for economic recovery.balance of personal loans (except credit
card): RMB 424.251
billion
As of the end of 2020
Supporting consumption upgrade
We built the Hua Xia E Loan brand under which are five sub-brands: Elite E Loan
Hua Xia E Loan Housing E Loan Vehicle E Loan and Education E Loan. We
employed big data and cloud-based risk control platforms to provide professional
intelligent and integrated personal credit services to retailing customers.The Bank developed intelligent digital and agile personal loans and continued to
boost personal loans.
Focusing on such real-life scenarios as travel and leisure education and
training medical care and elderly care maternal and child health ventilation and
environmental protection smart home and car rental and purchase we actively
developed integrated loan businesses.Upgrading personal loan brands
Enhancing consumption-side supply
Case
In response to the call of People’s Bank of China (PBOC) to promote mobile
payment we cooperated exclusively with China UnionPay to launch the QuickPass
credit card. It offers “cashback for every purchase” discounts and installment
discount and aims to fuel the economic re-opening after the pandemic.Initial launch of Hua Xia QuickPass credit card
The Starcatcher Platinum credit card
The credit card exclusively for
medical workers
A Prudent Hua Xia with Compliance
6160
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
2020 Social Responsibility Report Hua Xia Bank Co. Limited
Building an agile organization system
Accelerating FinTech
Development
To pursue digital transformation and development the Bank empowered products and
business development with FinTech promoted external cooperation on FinTech and
endeavored to guard against FinTech risks and promote digital finance across industries.We continued to improve IT management and accelerated the building of basic
application platforms for big data smart services and digital credit loans which aredriven by the five goals of “led by innovation driven by data smart transformation safeoperation and efficiency enhancement”.The Bank actively promoted digital transformation. We set up a leading group for digital
transformation and opened the office for promoting digital transformation to offer
institutional guarantee for rapid effective promotion. We have laid down the blueprint and
implementation route and improved coordinated planning and top-level design for digital
transformation.?        The Bank built online channels and initiated
activities to call for new technology applications and
system usability evaluation.?        The Bank built a crowd-testing platform to test
mobile banking staff mobile platforms and other
applications.Improving the level of management
?        The Bank created the IT organizational structureconsisting “One Department Six Centers and One
Company”.
?        The Bank established a closed-loop process
system covering the entire life cycle of information
technology.?        The Bank carried out pilots of agile projects and
promoted their application.The Bank formed a systematic theoretical basis
integrating the characteristics of digitalization four digital
levels and digital financial ecosystem and explored
and promoted the development of digital innovation and
transformation.?
Deepening
understanding
Embracing FinTech
The Bank ramped up efforts to promote external cooperation on FinTech developed business scenarios and solutions and explored a
new development model that is open collaborative and sharing.The Bank cooperated with internet companies FinTech companies and internet-based banks to promote cross-border cooperation and
constantly improve the Bank’s intelligent and digital operations.
Case
Through collaboration with professional technology companies the Bank built the Cloud Native application development
platform that integrates advanced microservice application development frameworks complete cloud-native service governance
infrastructure and advanced mobile development platforms. The platform significantly improves the development efficiency and
ensures unified application management and has been successfully piloted in several projects such as WeChat Bank.Official launch of the Cloud Native application development platform
Building a win-win ecosystem
Building R&D mechanisms Enhancing communication
The Bank integrated national and regional strategies for
building a digital economy into digital and technological
transformation and created a new business structure
focusing on both enterprises and customers.
Developing the
strategic plan
?
The Bank developed digital and intelligent financial service
solutions to promote the optimization and upgrading of the
industrial chain and supply chain promoted the opening
up of the Bank and created new test fields for innovation.
Driving digital
transformation
with innovation
?
?        The Bank launched the FinTech supermarket online.?        The Bank put into operation the cloud-based
application development platform.
Applying research results
?        The Bank set up the FinTech innovation fund.?        The Bank set up the FinTech innovation risk reserve
fund.Innovating in incentive mechanisms
Conducting communication and cooperation
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
The Bank promoted the building of a digital ecosystem based on the industry internet platform to connect SMEs help improve financial
service accessibility to SMEs and reduce their financing costs.Supporting the development of industry digitization ecosystem
The “1+4” platform interconnectivity strategy
?        The Bank built the industry digital finance
platform.?        The Bank empowers industry digitalization.The Bank connects with industrial internet platforms
owned by government departments central
enterprises and industry leaders and associations
and embeds its financial services into platform
scenarios.
At the customer end
The Bank provides
consultation services
for IT or financial
SMEs covering
overall planning
architecture design
system construction
and follow-up
operations etc.Our e-banking app
provides SME users
with enterprise
information inquiry
competitor risk
monitoring business
analysis report and
other services.The Bank provides
training for IT or
financial SMEs
on software
development system
operation and
maintenance and
database etc.Our e-banking
app provides SME
users with mobile
administration
services such as
attendance check
administrative
approval and
reimbursement.The Bank offers
integrated financial
services online to
SMEs including
making appointments
for account
opening account
management and
proxy charging and
payment etc.Planning and
consultation services
Industry-specific
consultation service
Personnel training Mobile administration
services
Integrated financial
services
Strengthening the customer information management
The Bank amended and issued polices and rules for financial information management improved whole-lifecycle financial information
management and implemented requirements of personal information protection to prevent financial information leakages.The Bank issued data and information management policies such
as the Hua Xia Bank Data Governance Administrative Measures
and the Hua Xia Bank Implementation Rules for Information
System Data Management.The Bank enhanced remote terminal authentication and
technological control over terminal security.In line with the Personal Financial Information Protection
Technical Specification and regulatory requirements the Bank
tested bank-wide mobile app transaction software to identify and
eliminate hazards of authentication information management
software security etc.The Bank carried out the annual training for information security
officers and participated in the 2020 National Network Security
Publicity Week campaign.The Bank optimized FinTech risk management to ensure the safe and efficient operation of FinTech platforms.Supporting the digital transformation of micro- small and medium-sized enterprises
Institution construction
Technological support
Self-checks
Publicity and training
?        The Bank improved the operation and
maintenance management system and
delicacy management.?        The Bank enhanced business continuity
management and further improved
timely response.?        The Bank built a mobile operation and
maintenance platform.?        The Bank completed the online trial
operation (phase I) of the system map.?        The Bank launched the software-defined
wide-area network (SD-WAN) project.?        The Bank promoted the development
of same-city dual-active information
systems supporting primary and
secondary services.?        The Bank built a cross-center dual-
active data processing platform.?        The Bank built a private cloud platform
to support stable operation of tens of
thousands of cloud hosts.?        The Hua Xia-Huawei Joint Innovation
Laboratory was opened.?        The Bank built a backup cloud self-
service platform.Intelligent systems Strengthening platform building
Safeguarding
secure and stable
operation of the IT
system
Delicacy management
B
D
A
C
Enhancing data process capabilities
The Bank became one of the first co-initiators for Digital Transformation Partnership Action
Guarding against FinTech risks
At the Bank end
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
The Bank launched 40 key
functions including e-receipt
online reservation for account
opening and Bluetooth
shield and optimized 273
items in process remodeling
experience interaction
etc. We used big data
to help corporate clients
inquire about competitors’
information choose potential
partners identify business
risks and expand business
circles.The Bank launched the
e-receipt online contract
signing with suppliers
corporate agreement
deposit purchase letter
of confirmation requests
etc. meeting the need for
contactless services.The platform serves over 300
micro- small and medium-
sized enterprises in a dozen
of industries including
wholesale retail and foreign
trade and facilitates the
implementation of local
e-government services and
public wellbeing projects.The Bank completed modular
and professional innovation
upgrade strengthened the
platform’s user experience
and security and provided
platform merchants with more
professional humanized and
customized services. As of
the end of 2020 Platform
Express Pal had provided
financial services to 151
companies including Guangxi
Exchange Depository and
Clearing Center and State
Grid E-commerce.Mobile corporate
banking
Online corporate
banking
Qiyue finance and asset
management
platform for cash management
Platform
Express Pal
Convenient services
The Bank enhanced medium- and long-term
financing support for manufacturing enterprises
and launched annual-review loans exclusively
for manufacturers allowing them to renew loans
without signing a new loan contract and paying the
principal within five years.　
The Bank boosted innovation of financial products
for MSEs and launched House Loan Express 5.0
and logistics loans etc. to meet diverse needs of
financing.The Bank launched whole-lifecycle financial
products and services to support the incubation
and growth of technology companies including
the easy loan for start-ups easy loan for high-tech
companies corporate growth loan and incubation
loan etc.To better serve foreign trade companies in China
the Bank launched supply chain cloud accounts
and online contract signing functions for supply
chain businesses.
Diverse
services
The Bank continued to enhance service support for large central SOEs local SOEs
listed companies industry leaders and fast-growing enterprises and constantly
deepened the “3-3-1-1” customer marketing and service strategy. The Bank selected 79
strategic customers at headquarters’ level.our headquarters signed 22 more headquarters clients (excluding financial
institutions) including 18 corporate customers and 4 institutions (government
departments associations exchanges etc.)
balance of customer credit and
investment financing businesses in the
“3-3-1-1” white list had reached RMB
685.033 billion an
increase of RMB 57.823
billion (9.2%) from the beginning of
the year.
As of the end of 2020
In 2020
Case
The Bank signed a strategic cooperation agreement with Shenzhen Stock
Exchange with focus on IPO mentoring technology and finance etc. to support
the growth of innovative startups the development of strategic emerging
industries and the country’s “dual-circulation” development.Signing a strategic cooperation agreement with Shenzhen Stock
Exchange to support the growth of innovative enterprises
Zhang Jianhua Deputy Party Secretary and President visited Shenzhen Stock Exchange
Improvement in Corporate Banking Services
The Bank deepened the integration of finance and technology and promoted the transformation and development of corporate financial
service models. We provided industry- and sector-specific products and services to create an interconnected business ecosystem for
corporate clients.
Building service platforms
Strategic cooperation
Product innovation
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
The Bank improved customer experience by smart machines
Beijing Branch provided warm services for customers
The Bank continued to expand its service coverage optimized the layout and deepened
the transformation of banking outlets and improved online product and service models. the Bank opened 1022 branches
in total covering all provincial capitals
(except Tibet) and 122cities
above prefecture-level across the country
168 community sub-branches
1149 self-service banking facilities
the Bank opened 17new banking
outlets
In 2020
As of the end of 2020
The Bank’s first operating transformation lab was set up at Kunming Branch
The Bank officially launched the robo-advisory system in March 2020 to provide
customers with intelligent professional and targeted financial services.The Bank developed a list of 32 personal financial
products to go online. Targeting online financial
services for individual borrowers the Bank
launched the Hua Xia E Loan
The Bank improved the management system for
internet loans. In addition the Bank enriched risk
control dimensions and sources significantly
enhancing the risk identification control
capabilities and business efficiency.Intelligent services
Online services Refined services
Retail service
upgrade
Upgrading the Customer Experience
Adhering to customer-centric financial services the Bank actively built a smart retail banking system to provide convenient efficient
financial services.
Expansion of service channels
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
Building offline channels
Building online channels
The Bank created a comprehensive
ecosystem that integrates financial
services public services public
education salons etc.?        With the goal of developing “fast easy to use good-looking economical and interesting”
APPs the Bank would make iteration every one to two weeks.
?        The Bank improved the e-community service APP that supports localized applications
and vigorously promoted scenario-based marketing activities.?        The Bank enriched product functions such as transfer of large-value deposits.?        The Bank optimized the personal banking transaction process of the counter image front-
end system.?        With voice recognition and other AI technologies the Bank upgraded the intelligent
customer service robot system.
?        During COVID-19 prevention and control work-from-home customer service staff were
assigned to ensure around-the-clock operation of the 95577 customer service hotline.
By applying a variety of
technologies such as biometrics
AI and big data the Bank
connected equipment across
outlets and promoted customized
products.The Bank designed mobile and
modular service scenarios to
communicate with customers
through flexible forms.
As some service requests are
diverted to the self-service
machine the waiting time at the
outlet hall was shortened by
over 30%.Scenario-based and intelligent services at outlets
Enhancing service capabilities of online platforms
More intelligent
More integrated
More flexible
More efficient
Mobile banking 5.0
Personal banking
Telephone banking
2932 64.1%2.87 75 %
As of the end of 2020 In 2020
Case
To meet customers’ needs
for contactless financial
services out of concerns
for COVID-19 the Bank
developed the Customer
Manager “Cloud Studio”
a new portal for online-
offline integrated digital
services.
Contactless services
The Bank improved the service management system and enhanced service quality and
efficiency realizing higher customer satisfaction rate.The Bank continued to improve the service management system strengthened personnel
training and carried out supervision and inspection striving to provide consumers with
better services.Improving service standards
Parent-child activities for VIP customers of Xiamen Branch
The Bank issued service management
evaluation standards to specify service
management methods.The Bank enhanced the management of
the internal training team and provided
targeted training for employees.The Bank participated in the selection of
Demonstration Units of Responsible and
Standardized Service in China’s Banking
Sector.The Bank provided customers with
diverse and high-quality services.Intelligent
outlets
Guangzhou Branch’s library bank 24/7 uninterrupted financial services of
offline outlets
Improvement in service quality and efficiency
the Bank installed
intelligent counters in total intelligent counters per outlet
from the previous year
with the rate of off-the-counter
services to all businesses of
the Bank reached
the monthly active users of
our personal banking APP
increased by
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
Adhering to the people-centered service philosophy we attached much importance
to complaint response in 2020. We offered unimpeded complaint channels optimized
the complaint response mechanism and analyzed complaints to improve the effect
of complaint response. Throughout the year we received 29771 complaints; the
settlement rate of complaints reached 100% and the customer satisfaction rate for
complaint response reached 93.48%. Due to the COVID-19 pandemic we received a
lot of complaints against credit card repayment especially in Beijing Jiangsu Tianjin
and Hubei etc. In response we improved service standards and processes and flexibly
resolved complaints and disputes. In addition the Bank worked to reduce complaints and
improve customer satisfaction safeguarding the legitimate rights and interests of financial
consumers.Valuing customer complaints
Improving complaint management
The Bank amended and issued the
Administrative Measures for Customer
Complaint Response clarifying customer
complaint response process and
verification processes.The Bank earnestly fulfilled the
responsibility of complaint handling
resolved financial disputes in a diversified
manner and continued to improve
the quality and efficiency of complaint
response.The Bank disclosed complaint response
channels and processes through media
and set up a special zone in outlets to
handle customer complaints.The Bank held the Bank-wide complaint
analysis meeting where typical
complaints were analyzed and problems
of the Bank were rectified.
Enhancing institutional building Unblocking complaint channels
Regulating complaint response Supervising and guiding corrections
of key problems
Hangzhou Branch held the Caring for the Elderly Activity on Chongyang Festival
The Bank provided considerate services for groups with special needs including the
elderly military personnel and veterans and migrant workers.the Bank had 4.7438 million
elderly customers
set up reserved counters at 864
outlets
put in place accessible facilit ies at
913outlets
Serving groups of special needs As of the end of 2020
We have incorporated the protection of consumer rights into corporate governance system and
strategy and stepped up to advance and integrate consumer rights protection and consumer
services to create a harmonious financial environment.Scan the QR code for
more information about the
Bank’s efforts to protect
consumer rights
Changsha Branch launched an education and publicity activity on the protection of
customers’ rights and interests
Protecting Customer Rights
and Interests
The Bank attached great importance to the protection of consumer rights and interests complied with regulatory requirements and
comprehensively improved work quality and efficiency.?        The Bank strengthened the top-level design for the protection
of consumer rights and interests established the organizational
structure institutions and systems review mechanisms
information disclosure mechanisms supervision and inspection
mechanisms education and publicity mechanisms training
and complaint management mechanisms and assessment and
evaluation mechanisms.Institutional
building
?        The Bank specified ex ante review specifications and regulated
institutional review and other procedures.?        The Bank tightened in-process control with a focus on tightening
the review of business and product-related items.?        The Bank enhanced post-event supervision strengthened
professional inspections complaint analysis and assessment
and evaluation.Strengthening
whole-process
control
?        The Bank formulated an annual training plan on consumer rights
protection.?        The Bank carried out training and examinations on the protection
of consumer rights and interests among middle-level and senior
managers as well as grassroots sales staff. The total number of
trainees reached 37186.Training
management
Intensifying basic management
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
The Bank actively participated in the investor and consumer education activities
organized by the People’s Bank of China (PBOC) China Banking and Insurance
Regulatory Commission (CBIRC) and China Banking Association (CBA). The Bank
continued to organize financial knowledge popularization and consumer education
activities to improve customers’ understanding of financial products and services raise
their awareness of risks and help create a good financial ecosystem.benefited over
26105997
people with its public financial knowledge
education and publicity activities
handed out approximately
3.2775 million copies of
publicity materials to the public
the Bank organized 18416
public financial knowledge education
and publicity activities
engaged over 118409
employees in these activities
We have given high priority to financial security and employed
technological means to prevent information leakage. We
strengthened financial security guided customers to avoid
risks and did what we can to recover their losses.
In 2020
Shenzhen Branch organized
online live-streaming of its financial
services. Its staff acted as live
streamers to introduce to viewers
its anti-coronavirus measures and
special service arrangements in
response to the pandemic.
Cloud-based
experience
of financial
services
Wuhan Branch disseminated basic
financial knowledge to consumers
staying at home through online
seminars online service salons and
other activities on the cloud. It also
exposed typical fraud cases to help
customers avoid frauds.Nanjing Branch organized an online
situational quiz and other activities
to teach consumers to analyze and
stay vigilant against financial risks.
Case
The Bank adopted the “Internet + Financial Knowledge” education and publicity mode to enhance consumers’ awareness of self-
preservation and capability to prevent and handle financial risks.Internet-based financial knowledge popularization
Cloud-based
dissemination
of financial
knowledge
Cloud-based
communication
on financial
risks
To mark the International Children’s Day Urumqi Branch taught RMB basics to kids
Hua Xia Bank set up special columns on its official websites and other channels and
opened public education areas at outlets. It also carried out a variety of online and offline
education and publicity activities.Protection of
consumers’
property
Protecting
consumer
privacy
The Bank connected its anti-fraud platform with the anti-fraud
platform of the Ministry of Public Security to form synergy
against telecom frauds.In line with the regulatory requirements the Bank conducted
comprehensive security checks of all software on our mobile
apps. We reshaped the privacy protection policy framework
updated privacy policies on mobile banking direct banking
and mobile corporate banking and conducted safety tests on
these apps.We employed big data and machine learning technology to
effectively identify fraud risks and intervene in time.The Bank formulated the emergency plan for online financial
services and improved the emergency plan for customer
service hotlines.Monitoring suspicious transactions
Improving risk management capability
Cracking down on frauds and building
the anti-fraud system
Enhancing information protection
Financial education Ensuring financial security
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2020 Social Responsibility Report Hua Xia Bank Co. Limited76
51.1%
increased
over the beginning of the year
equivalent to saving
million tons of standard coal
equivalent to saving
million tons of water
180.043
Establishing the Green Finance Management Committee to coordinate
green finance-related businesses across the Bank; establishing the
Green Finance Center to promote the business of green finance
Setting up leading groups and specialized teams headed by branch
leaders to coordinate and promote the green finance business
Pushing forward the green finance pilot program and setting up
dedicated green finance branches and marketing departments with
designated personnel responsible for green finance-related work
60.89
note: the value of increase and rate of
increase are calculated based on the
data adjusted in accordance with the
Statistical Methodology for Green Loans
revised by the People's Bank of China in
December 2019
We earnestly followed national policies for the industries and environmental protection
and financial regulatory requirements and strictly tightened up credit granting in
industries that cause high pollution high consumption and overcapacity. On the other
hand we channelled more financial resources into sectors that contribute to green
low-carbon and sustainable development especially green credit to such areas as
energy conservation environmental protection clean energy and green transportation
providing financial support for the development of green industries and enterprises.
A rendering of an industrial waste treatment center project financed by the Bank
The Comprehensive Water Environment Improvement Project of an environmental
governance company in Wuxi is responsible for desilting and building revetments
along 11 river courses in Wuxi City. Wuxi Branch granted the project a special
loan of RMB 400 million in its early stage followed by another RMB 100 million
working capital effectively alleviating the financial pressure of the company and
enhancing local flood control and drainage capabilities to the regional water and
residential environment.Shenyang Branch granted an environmental service company a two-year RMB
390 million fixed-asset loan to build the Huludao Industrial Waste Treatment
Center. After completion the Center will be able to process 92500 tons of
industrial waste per year effectively reducing pollution caused by industrial waste
and improving local production and living environment.
Aligning with national banking policies we have introduced capital and advanced
concepts from overseas and dedicated resources and a team to stimulate innovation in
products and theories while exploring a development path with special characteristics
for green finance.The Head
Office
1.457
10.9499
Devoting More Efforts
to Green Finance
Branches
Outlets
Developing green credit
A wind farm project financed by the Bank
As of the end of 2020
the Bank’s balance of green loans had
reached RMB
an increase of RMB
billion
billion
Case
Case
Supporting water environment improvement projects
Supporting industrial waste treatment
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2020 Social Responsibility Report Hua Xia Bank Co. Limited78
10.673
1.6
97
7.233
450920
57
In April 2020 the 20 Hua Xia Bank Green Finance 01 the first issue of Hua Xia
Bank’s green bonds in 2020 was listed in the National Interbank Bond Market to
raise RMB 10 billion for green industrial projects with a three-year fixed rate.
As of the end of 2020 the bond had invested in 63 projects from areas of energy
conservation clean transportation clean energy environmental protection and
climate change adaptation pollution control as well as resource-saving and
recycling.including
27
8.727
In 2020
On April 8 2020 China Securities Index Co. Ltd. announced the release of the
CSI Hua Xia Bank ESG Index and the CSI ESG120 Strategy Index developed
by the Bank. The two indexes officially launched on April 30 are two of the first
indexes developed based on the “ESG Evaluation System” a proprietary system
of China Securities Index.
These two indexes are fruits of our active contribution to the development of the
capital market. Centering on the CSI Hua Xia Bank ESG Index and the CSI ESG120
Strategy Index we will develop more net-worth wealth management products to
promote ESG investing in China.Held the Second Summit on ESG Investing in China Asset Management Industry 2020 Status Report - ESG Investing in China
Asset Management Industry
We developed a series of products for contract energy management financing and
emissions trade financing and explored to provide the government and key energy-
consuming enterprises with integrated services of energy diagnosis energy planning
energy transformation and green finance. A product system of green credit green lease
green investment and green debt-financing underwriting tools has been built covering
energy efficiency financing clean-energy financing environmental-protection financing
and green equipment supply chain financing. In 2020 we launched collective financing
for green projects to accelerate the approval and improve customer service capabilities.With ESG as the clear focus of our investment strategy we have developed ESG
strategies and databases issued ESG-themed wealth management products and so on
to practice the ESG concept.We formulated the Measures of Hua Xia Wealth Management Co. Ltd. for ESG
Management (Trial) compiled the Hua Xia Bank ESG Evaluation System held the
Second Summit on ESG Investing in China Asset Management Industry and released
the 2020 Status Report - ESG Investing in China Asset Management Industry.Innovative green products Practicing ESG concept
As of the end of 2020
RMB
billion in green bonds
the Bank’s balance of green
investment had reached RMB
billion
RMB
million in green bills
USD
million of bonds in foreign currencies
RMB
billion of investment in industrial funds
the Bank launched
issues of ESG-themed wealth
management products
18.29
the ESG-themed wealth management
products under management amounted
to RMB
billion in total
raised RMB
billion
RMB
million in interbank asset equity rights
RMB
million in asset-backed securities
Case
Case
Issuing RMB 10 billion of green bonds
Official launch of the ESG indexes
As of the end of 2020
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2020 Social Responsibility Report Hua Xia Bank Co. Limited80
1
10.7
95
8.87
A container-based peak-shaving and valley-filling electrochemical energy storage power station
project financed by the Bank
The Bank carried out marketing activities for green finance brands. A total of 33
large- and medium-sized green finance publicity activities were held by our branches
throughout the year. We compiled a collection of 16 green finance marketing cases that
are highly innovative and have strong social influence.
Awards
We have invested RMB 944.26 million in the 4493-hectare Project through the
World Bank’s on-lending solutions to support the Coastal Afforestation Project
in Xiangshui County. The Project is expected to improve the local coastal
environment and disaster resilience protect the people’s lives and properties and
promote sustainable coastal socioeconomic development.The Project adds more than RMB 2 million per year to the fixed income of the 412
local households significantly improving their living standard. Besides poverty-
stricken residents were hired as forest rangers with a stable source of income. The
Project was praised by the local government regulatory authorities enterprises
and residents alike.The Bank won another award of the Best
Bank for Green Energy Development
issued by Global Finance
The Bank won the 2020 IFF Global Green
Finance Innovation Award becoming the
only financial institution in the banking
sector to win the award
We maintained close cooperation with international organizations such as the Agence
Fran?aise de Développement (AFD) the Asian Development Bank and the International
Green Economy Association. In 2020 we actively pushed forward the World Bank’s
China Renewable Energy and Battery Storage Promotion Project and steadily advanced
its Innovative Financing Project for Air Pollution Control in the Beijing-Tianjin-Hebei
Region and other on-leading projects. Through these projects we tried to meet
international standards in terms of policy-making expertise and project management
and execution.
Actively benchmarking against international practices the Bank has become China’s first
financial institution to apply the World Bank’s Environmental and Social Framework (ESF)
and has established the On-lending Environmental and Social Management System
(ESMS).
Through capability building publicity and education and exchanges we advocated
and fostered the corporate culture of green finance injecting cultural vitality into the
development of the Bank’s green finance.
Deepening international cooperation Improving management standards
Fostering green culture
Case
Supporting the Coastal Afforestation Project Phase II in Xiangshui
County
The China Renewable Energy and Battery Storage Promotion Project we co-
launched with the World Bank is the largest of its kind under the World Bank and
the first in China dedicated to financing energy storage. The investment totals
USD 750 million of which USD 300 million comes from the World Bank and USD
450 million from Hua Xia Bank in the form of equivalent RMB loans. The money is
used to support energy storage (excluding pumped-hydro storage) projects and
projects for the innovative utilization of renewable energy. It helps enhance the
integration and utilization rate of renewable energy nationwide.
In August 2020 the loan for the first sub-project – the energy storage project of
a beer company in Guangdong was granted to build a container-based peak-
shaving and valley-filling electrochemical energy storage power station.
As of the end of 2020 the Innovative Financing Project for Air Pollution Control in
the Beijing-Tianjin-Hebei Region the most expensive anti-pollution project between
China and the World Bank had deployed 28 sub-projects and invested RMB 4.633
billion in pollution control equivalent to saving 1.16 million tons of standard coal
and reducing 2.56 million tons of CO2 emissions per year.
Case
Case
China Renewable Energy and Battery Storage Promotion Project kicks
off its first sub-project
Steadily advancing the Innovative Financing Project for Air Pollution
Control in the Beijing-Tianjin-Hebei Region
As of the end of 2020
the Bank had introduced USD
billion of foreign capital through on-lending
programs
cumulatively issued RMB
billion of credit loans in home and foreign
currencies
3.63
saving
million tons of standard coal annually
cutting CO2 emissions annually by
million tons
28300
cutting SO2 emissions annually by
tons
28000
cutting NOX emissions annually by
tons
provided financing services for
projects in 17 provincial regions across
the country
The Bank prepared a series of training courses for renewable energy and on-lending
programs issued the list of green finance marketing priorities of the year and conducted
industrial research on urban energy wind power photovoltaic power and green building
etc. A learning materials system has been preliminarily built across the Bank covering
macro-economic situation green finance policies updates and analyses of key industrial
policies and trends and implementation rules for business handling and risk prevention.The Bank actively publicized the green finance business of the Bank. The promotional
video of the Bank’s green finance brands was broadcast on CCTV 1 and CCTV 9 during
prime time. Our green finance brand “Green Growth for a Better Hua Xia” has earned
recognition from the market with increasingly strong brand influence.The Bank delivered 4 bank-wide green finance training sessions and held the Youth
Development Forum on Green Finance.
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2020 Social Responsibility Report Hua Xia Bank Co. Limited82
1147192600
ETC services
Offering more professional services
2440100
16.4 % 71.2 % 71.3 % 48.9 %
3256200
169400
128700
NOX emissions by CFCs by CO by CO2 by
compared with manual toll collection for an ordinary light vehicle the use of ETC
reduces
The Bank strengthened training and
assessment of the marketing staff and
developed service solutions targeting
customers’ greatest concerns and sore
spots so as ensure customers’ right to
know.The Bank launched an SMS push function
for ETC business upgraded the fee
deduction messaging system for the ETC
business according to the requirements
of the Highway Monitoring & Response
Center of the Ministry of Transport and
allowed ETC customers to search for the
details of charges.
2294400 98.21%
2018
2018 2018
2018
2019
2019 2019
2019
2020
2020 2020
2020
41410.6
39812.63 28
41695542.3
40809.6
30149.86 20.52
47169874.84
33193.13
24607.26 20.83
51340078.62
(kWh) (ton)
(liter) (ton)
We actively promoted ETC business and continuously improved the ETC quality. We
have rolled out discounts for ETC users striving to encourage users to use ETC and
facilitate green transportation.
Attaching great importance to our environmental impacts we promoted green office throughout the Bank striving to reduce resource
consumption improve energy efficiency and cut pollutant discharges. We implemented low-carbon operations across the board and
promoted green development.
As of the end of 2020 all our over-the-counter services were paperless. To promote the
use of electronic certificates we restructured the over-the-counter service process and
offered certificates customer signatures and bank seals in electronic forms reducing
paper consumption while improving the efficiency of over-the-counter services.Upgrading information services
Adopting centralized printing and carrying out all over-the-
counter service in a paperless manner to reduce resource
consumption
Encouraging the staff to practice the “empty plate”
campaign and packing up leftovers to avoid waste of food
Strictly following air-conditioning temperature control
requirements using intelligent lighting systems and
switching off unnecessary lights to reduce energy
consumption
Promoting and encouraging garbage sorting and
centralized garbage collection and assigning garbage
sorting officers at busy floors and time periods
Encouraging employees to turn off the tap after using and
report any cases of water leakage
Promoting the use of the electronic centralized sourcing
platform and factoring environmental protection and CSR
performance into supplier selection
Paperless servicesLower energy consumption
Water conservation
Garbage sorting
Water consumption of theHead Office Electricity consumption of the Head Office
Paper consumption of the Head Office
Fuel consumption of company vehicles of
the Head Office
“Empty plate” campaign
Green sourcing
Services for Green Lifestyles Practicing Green Operation
Supporting green travel Green office
Promoting paperless services
As of the end of 2020
the Bank had signed
ETC service users
an increase of
over the end of the previous year
issued
new ETC cards
increase
over the beginning of the year
requests for e-services ?tons of the services were handled via the
main e-channels
4.12 %
an increase of
In 2020
the Bank handled equivalent to cutting CO2 emissions by
85
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2020 Social Responsibility Report Hua Xia Bank Co. Limited84
Case
The Head Office and Beijing Branch signed the Commitment
Letter on Household Waste Sorting with employees and
strengthened employees’ self-discipline and the mutual
supervision between the Bank and the community. We mobilized
employees to register on the “BVF” (“ 志愿北京 ”) mini-app on
WeChat or at the neighborhood committee as garbage sorting
volunteers. As of October 12 2020 3885 employees or 100% of
the total had signed the Commitment Letter on Household Waste
Sorting and 1583 employees more than 40.75% of the staff had
registered as volunteers.Responding to the “Garbage Sorting at SOEs” campaign
launched by the State-owned Assets Supervision and
Administration Commission of Beijing Municipality
A garbage sorting promotion meeting at the Head Office
Classified dust bins in the Head Office for centralized garbage
collection
The tree planting activity of Chengdu Branch
The “Garbage’s Fun Travel” garbage sorting
awareness activity organized by Nanjing Branch
The environmental protection activity of Wenzhou Branch on the World Environment Day
The brisk walk activity of Guiyang Branch for
promoting low-carbon transportation
We actively raised employees’ awareness of environmental protection and resources
conservation and encouraged employees to play their due role in the building of a green
and beautiful China.
Environmental protection activities
8988
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
Business
divisions
Audits
We have strengthened the awareness of “compliance for value creation” improved
the internal control system and consolidated the basis for compliant operations which
strongly supported the Bank’s high-quality development.
3304
255
152334
35048
1210
98710
compliance education sessions:
training sessions or lectures on
anti-financial crimes:
participants in the compliance
education:
participants in the training sessions or
lectures on anti-financial crimes:
training sessions on anti-money
laundering:
participants in the training sessions on
anti-money laundering:
In 2020
The Bank actively enhanced employee awareness of the rule of law management of legal affairs and control of legal risks striving to
promote compliant operations across the Bank.
Case
In line with the Notice on Carrying out Re-examinations of the Rectification of Market Chaos in the Banking and Insurance
Industries issued by China Banking and Insurance Regulatory Commission the Bank organized self-examination and self-
rectification across the board.Restoring the order of the market through re-examinations
The Bank set up a leading group formulated work plans. We
stressed the primary responsibility of the chief leaders and
ensured that all responsibilities are effectively performed at
every level.The department strengthened in-process control and
supervision conducted inspections and continuously promoted
re-examinations of the rectification effect.
As the main responsible bodies our business divisions stay
oriented toward problems and risks. We improved the quality
and efficiency of inspections and identified and eliminated risks
in time.The Bank earnestly strengthened audits and supervision of re-
examinations of rectification effect.The Bank formulated the Measures for the Evaluation of Legal Compliance Management of
Branches to strengthen the evaluation of legal compliance of branches and the application
of assessment methods.Improving the performance appraisal mechanism
The Bank formulated the Administrative Measures for On-site Inspection of Legal
Compliance and revised the Administrative Measures for Specialized Inspection
Coordination to clarify the content of on-site inspections and the requirements for special
inspections by specialized departments.Improving the inspection system
The Bank formulated the Standards for Checking Rectifications of Problems Identified in
Inspections from Inside and Outside to clarify the standards for credit and quasi-credit
businesses as well as accounting thus ensuring accurate and effective rectification.
Enhancing the quality and efficiency of rectification
The Bank revised the Administrative Measures for Due Diligence on Credit Granting and the
Standards for Due Diligence on Credit Granting to show zero tolerance for incompliance
and serious violations of rules.
Enhancing due diligence
The Bank revised the Administrative Measures for Punishing Violations the Working
Rules for Punishing Violations and detailed rules for punishing violations in specialized
businesses to further tighten the punishments for violations especially repeated violations.Tightening punishments for violations
?         We organized lectures on relevant laws
and regulations to enhance employees’
legal literacy and ability of applying legal
knowledge to solving business problems.?         To        mark        the        12?4        National        Constitution
Day and the Constitution Week publicity
campaign we organized the review of the
oath of allegiance to the Constitution and
quizzes about the Constitution.?         Throughout the year we organized 190
training sessions on the rule of law.?         We upgraded the legal affairs management
system based on technological means
to regulate management and improve
efficiency.
?         A list of responsibilities was made to promote
law-based governance and management
of legal risks. Based on regular reports on
legal risks we continued to track guide and
evaluate legal risk management.?         The Bank strengthened guidance for legal
risk control summarized the impacts of the
Civil Code on our businesses and compiled
a collection of cases of financial crimes
committed by banking practitioners.?         The Bank integrated legal services and
strengthened the legal risk management
system.
Building corporate culture that
promotes the rule of law Control of legal risks
Management of legal affairs
Zhang Jianhua Deputy Party Secretary and President of Hua Xia Bank presided over the meeting on re-examinations
Full Compliance in
Operations
The Bank promoted fully law-based and compliant operations. We worked to improve the
internal control and compliance management mechanism and the business management
processes and systems ensuring that all our operations are carried out according to
related regulatory requirements.Improving the internal control system
Promoting the rule of law
Cooperation of
the Head Office
and branches
The Legal
Compliance
Department of
the Head Office
9190
A Dedicated Hua Xia with Craftsmanship An Eco-friendly Hua Xia Through Green DevelopmentA Philanthropic Hua Xia with Inclusive Finance A Prudent Hua Xia with ComplianceA Sincere Hua Xia with Innovative Services A People-centered Hua Xia Pursuing Happiness for All
2020 Social Responsibility Report Hua Xia Bank Co. Limited加强反洗钱管理
? The Bank made policies to manage risks of money laundering
and terrorist financing and built a laundering risk management
framework.? The Bank revised policies on the risk assessment and
customer classification for money laundering and terrorist
financing and on monitoring of accounts suspected and
strengthened AML management.? The Bank optimized the AML working platform restructured
the customer money laundering risk assessment model
and strengthened risk management in areas vulnerable to
laundering risks.? The Bank applied AI technology to optimize monitoring rules
for suspicious transactions that have violated rules frequently
so as to improve the ability of intelligent monitoring.Improving working mechanisms
Enhancing technical support
? The Bank closely tracked high-frequency money laundering
behaviors pointed out risk features in time and tightened
transaction monitoring and management of high-risk accounts
effectively blocking the flow of criminal funds.Tightening risk management and control
? The Bank compiled scenario-based cases about money
laundering crimes such as telecom fraud and enhance
related publicity through its outlets activities and media
platforms.? The Bank continued to enhance the public’s AML awareness
and carried out publicity activities centering on money
laundering terrorist financing and other illegal activities.
Conducting publicity activities
An        AML        publicity        activity        of        Nanning        Branch
The Bank strictly abided by laws and regulations on intellectual property rights (IPRs) protection. We have put in place administrative
measures and a structure for IPR management. While protecting our own IPRs such as trademarks and patents we systematically
regulated the use of IPRs owned by others to avoid the risk of IPR infringement.The Bank identified goals and measures for case risk prevention and control work saw
to that responsibilities were effectively implemented at each level and strengthened the
management of key points and weaknesses.The Bank defined four dimensions of case risk prevention and control screened case risks
on a quarterly basis and increased checks on organizations with severe regional risks
multiple problems and weak internal control management.The Bank issued the risk warning of Protect Customer Information and Effectively Prevent
Risks.The Bank formulated the Code of Conduct for Employees and organized training and
education on compliance and prevention of financial criminal cases.The Bank popularized financial knowledge to the public and raised customers’ alert against
financial risks.In line with the Guiding Opinions of the General Office of the China Banking and Insurance
Regulatory Commission for Preventing Illegal and Criminal Financial Activities Carried out
by Banking and Insurance Practitioners we conducted self-examination and developed
and implemented preventive measures.The Bank conducted special investigations into employees’ illegal inquiries and other illegal
behaviors analyzed early warnings given by the employee account monitoring system and
strengthened the management of investigation rectification and accountability process.The Bank launched dedicated campaigns to crack down on gang crimes and illegal
fund-raising and loan granting. We stepped up the monitoring and analysis of suspicious
transactions and assisted judicial organs to block the flow of criminal funds.The Bank continued to improve the internal control system and operating mechanisms stepped up to guard against risks in high-risk
businesses and organized training and publicity activities to improve the effect of AML work.The Bank maintained a tough stance against financial criminal cases. We carried out in-depth case-based warning and education and
intensified checks for case risks and employee conduct management to resolutely forestall risks related to financial criminal cases.Strengthening AML management Strengthening case risk prevention and control
Enhancing the protection of intellectual property rights
Strengthening
case risk
prevention and
control
Increasing
checks on
employees
with abnormal
behaviors
Carrying out
training and
education on
financial criminal
cases
Maintaining a
harmonious and
stable financial
environment
Strictly
preventing illegal
and criminal
financial activities
of banking
practitioners
9392
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
1.80 %
147.22 %
the        NPL        ratio        amounted        to
the        allowance-to-NPL        ratio        reached
As of the end of 2020
? The Bank implemented economic and financial macro policies and regulatory requirements made credit
investment and financing policies more forward-looking and adaptable.? The Bank stressed the fulfillment of responsibilities and strengthened risk management for key businesses
areas and products.? The Bank adopted multiple methods to dispose of troubled assets faster to ensure the quality of assets.? The Bank launched online valuation of collateral in the form of residential property improving valuation
efficiency at less costs.? The Bank adjusted credit and financing policies to guarantee differentiated support for the development of
manufacturers and MSEs in key regions.? The Bank optimized the credit system and the collateral management system and worked faster to develop
and mapping of the large-sum risk exposure system etc.? The Bank optimized the market risk quota system and the management process to improve the effectiveness
of quota control.? The Bank strengthened the analysis of key businesses and early warnings and assessed the impacts of
market fluctuations and other major events in a timely manner.? The Bank improved the system for managing credit risks of counterparties and strengthened risk management
for derivatives.? The Bank implemented regulations on market risk management in Basel II calculated the capital requirement
for market risk based on the revised Standardized Approach and pushed forward the market risk consulting
project under Basel II.? The Bank revised the Administrative Measures for Business Continuity the Master Contingency Plan
for Business Continuity and the Specifications for the Compilation of the Contingency Plan for Business
Continuity.
? The Bank sorted out relations between primary or secondary businesses and information systems defined
the scope of key information systems and enhanced their applicability and disaster resilience to avoid any
business interruptions caused by their failure.? The Bank strengthened the regulation over drills and organized more practical drills more regularly. We
conducted        47        drills        in        eight        scenarios        throughout        the        year.
Credit risk
management
Business continuity
management
Market risk
management
In 2020 the new risk management framework was fully implemented. We integrated
and optimized the organizational structure division of responsibilities and allocation of
personnel for risk management. In addition eight mechanisms were put in place namely
the authorization management mechanism the approval management mechanism the
risk manager mechanism the special-asset operation mechanism the accountability
mechanism the mechanism of putting all things under centralized management by
specialized departments the technology empowerment mechanism and the risk culture
mechanism covering key processes and links of risk management.We worked constantly to identify measure monitor and control risks in operation and management eliminated risks in key businesses
improved comprehensive risk management and ensured effective risk management.Strengthening Risk
Management
The Bank emphasized comprehensive risk management. While implementing the
Comprehensive Risk Management System Reform Plan we enhanced institutional
development for risk management and systematically enhanced our ability to forestall
and defuse risks across the board in a bid to provide reliable support for the sound
balanced sustained and rapid development of all businesses of the Bank.Improving the risk management system
Deepening comprehensive risk management
The Bank made public the results of risk monitoring
and evaluation and improved the notification and
transmission of risk management information.The Bank revised the Risk Reporting Management
Measures to optimize and integrate the content and
process of risk monitoring.
Focusing on comprehensive risk evaluation at branches
performance appraisal of regional chief risk officers
and assessment of the effect of credit investment and
financing policies the Bank continued to improve risk
management.The Bank enabled the Risk Management and Internal
Control Committee Credit Investment and Financing
Policy Committee and Asset Risk Disposal Committee
to fully play their roles to improve the quality and
effectiveness of their deliberation and decisions.The Bank evaluated and adjusted risk preferences
formulated a risk management strategy accordingly
and clarified risk control objectives for the year.
9594
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
9796
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
As of the end of 2020
6931
were new were female
51.14%
were from ethnic
minority groups
1785
the Bank had a total of
39284 employees 64.32%
Junior college or lower
Bachelor’s degree
21.94%
13.74%
57.79%
%1.58
29.15%
%11.48
46 – 55
56 and above
breakdown of employees
by education background
breakdown of employees by age
Master’s
degree
or higher
35 and below
36 – 45
100 % 100 %
labor contract signing rate: social insurance coverage rate:
In 2020
1327 347
7319153
100 % 5986
264
rational suggestions staff meetings first-line employees
employees’ congresses
of them
the Bank received
held
adopted and implemented organized participated by
which were participated by solicited
employee representatives proposals
In 2020
Complying with the Law on Promotion of Employment and other relevant laws and
regulations we provided employees with equal employment opportunities. We resolutely
opposed any type of employment discrimination and treated employees fairly and
equally regardless of their nationalities races ages genders religious beliefs and
cultural backgrounds.The Bank improved democratic management in the basic forms of the Employees’
Congress. We disclosed corporate information and offered unimpeded channels for
employee communication interest coordination and rights protection. Through our
intranet official WeChat account bulletin boards and electronic screens we promptly
announced major decisions concerning the vital interests of employees and the
direction of corporate reform and development and had equal dialogues and shared
development achievements with employees.
In 2020 the Employees’ Congress elected the new Board of Supervisors voted and
approved the Bank’s Collective Contract and revised the Interim Measures for the
Disclosure of Corporate Affairs of the Head Office. We effectively protected employees’
rights        to        know        participate        deliberate        and        supervise        and        won        the        title        of        the        National
Model Unit of Corporate Information Disclosure and Democratic Management in 2020.Protecting Employee Rights
In strict accordance with relevant laws and regulations including the Labor Law and
the Labor Contract Law the Bank earnestly protected employee rights and worked to
establish harmonious and stable labor relations.Promoting equal employment
Promoting democratic management
9998
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
4365
370748
81885
979
including
In 2020
Li Minji Party Secretary and Chairman of Hua Xia Bank delivering a speech
on the 10th Youth Development Forum
Retail business training for branch managers
The 2020 Brand Communication and
Management Training of the Head Office
The 2020 Comprehensive Ability Improvement
Workshop of Hangzhou Branch
Haikou Branch organized fun games for employees and their families
Group activity of the Employee Yoga Association of
Hong Kong Branch
Scan the QR code to
know more about loving
stories of
Hua Xia Bank
Guiyang        Branch’s        2020        New        Year        Gala Harbin Branch co-workers’ visit to the Memorial Hall of
the War to Resist US Aggression and Aid Korea
We have improved the training system and built training
base to improve the quality and efficiency of training.We have offered different levels of training for employees
of different levels and positions.We have delivered live-streamed lectures through mobile
learning platforms and APPs and built a three-dimensional
training network.Training resources
Training channels
Training methods
Supporting the Development of Employees Caring for Employees
We cared about the development of employees and offered them unimpeded development channels. We developed a tiered talent
reserve worked hard to improve employees’ job skills and competencies and offered platforms for the rapid growth of employees at
different levels and positions to support their career development and realizing personal value. We cared about the cultural life of employees and organized diversified cultural and sports
activities to provide platforms for employees to show their talents prove themselves and
cultivate their sentiments. We encouraged employees to live a healthy and positive life and
continuously enhanced their cohesion and team spirit.
Enriching cultural and sports activities
the Bank organized
training sessions
participants
CSR training sessions
participants
for
for
The Head Office organized employees to carry out activities
in Yucun the birthplace of the "two mountains" concept
101100
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
Wuxi Branch visited and sent greetings to a hospitalized employee
The Head office employees participate in table tennis activities
The nursing room of Kunming Branch
The nursing room of Shanghai BranchThe Women’s Day dancing activity of Tianjin Branch
The brisk walk activity of Lanzhou Branch Themed Party Day activities for employees of Guangzhou Branch
892
87
648
1.2681
1.0648
989400
In 2020 In 2020
Caring about the health and development of female employees the Bank offered them
special health examinations regularly organized various theme activities and symposiums
for them solicited their opinions and suggestions and made sure their concerns were
addressed effectively.The Bank set up an employee relief fund and sent representatives to visit employees
in difficulties and bring them care. We offered unimpeded channels to deliver aid
to employees in need and expressed sympathy in various forms to enhance their
wellbeing and sense of belonging.The Bank continued to upgrade the Home of Employees where employees could learn
seek entrepreneurship opportunities exercise their democratic rights and feel happy
and cared for. The Home of Employees has fitness equipment TV sets reading space
lounges etc. It is a place where employees can relax themselves and communicate with
each other.Helping employees in needBuilding the home of employees
Homes of Employees employees in need
million of living allowances
of medical subsidies
million of disaster relief subsidies
Model Homes of Employees
the Bank opened the Bank helped
distributed RMB
RMB
RMB
including
103102
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2020 Social Responsibility Report Hua Xia Bank Co. Limited
Beijing Branch organized employees to learn flower art
Xiongan Branch organized Party branch activity
Scan the QR code toknow more about “TheImperfect Music Hall”
Jinan Branch organized employee development activity
Hohhot Branch organized poverty alleviation charity
activity
In        November        2020        “The        Imperfect        Music        Hall”        H5        project        created        by        Hangzhou
Branch        in        partnership        with        Tencent        was        officially        launched.        The        project        selected        25
children with psychological and physical impairments to form the “Imperfect Band”
and express their inner world through music. The project was marketed both online
and offline. As of the end of 2020 the activity had won the attention and support over
20000 people.
The Imperfect Music Hall public welfare activity
Hua Xia Bank Scholarships and Grants Award Ceremony of Lanzhou University
Enthusiastic about public welfare the Bank actively promoted the volunteer spirit and
continued to carry out volunteer activities on a regular basis and contribute to social
civility and harmony.
Building a Harmonious
and Beautiful Society
Through Joint Efforts
Case
In May 2020 the Bank and China Foundation for Development of Financial
Education jointly initiated the Hua Xia Bank Scholarships and Grants Program
aiming to support beneficiaries to complete their studies in college. The beneficiaries
are college students from poor families studying at Lanzhou University Lanzhou
University of Finance and Economics and so on contributing to poverty alleviation
through educational support.Hua Xia Bank Scholarships and Grants Program helps needy student
complete higher studies
Case
105Hua Xia Bank Co. Limited
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Outlook
The year 2021 marks the centenary of the founding of the CPC the launching of a new
journey towards building a modern socialist China in all respects and the first year of the
Bank’s renewed five-year development plan. We will continue to follow the guidance of Xi
Jinping Thought on Socialism with Chinese Characteristics for a New Era and assume
our economic social and environmental responsibilities more firmly and proactively. Wewill keep forging ahead and strive to develop into a modern financial group that is “largeand strong stable and excellent”.In response to major national development
strategies such as the coordinated
development of Beijing-Tianjin-Hebei
region the integration of the Yangtze
River Delta Region and the construction
of the Guangdong-Hong Kong-Macao
Greater Bay Area we will support the
transformation and upgrading of industrial
structure China’s opening up process the
development of private enterprises and
other important areas of the real economy.
Besides we will vigorously promote rural
revitalization the innovation of financial
products and service models continue to
increase the coverage of and customers’
satisfaction for our financial services
targeting small and micro enterprises
and usher in a new era of high-quality
development of the real economy.We will speed up digitalization empower
businesses with technological innovation
and provide customers with high-quality
and efficient financial services. We will
protect the legitimate rights and interests
of employees emphasize employee care
and grow together with employees. We will
carry out financial knowledge education
and publicity devote to public welfare
undertakings and join hands with the
people to create a better life.We will continue to improve our green
financial service system strengthen
international cooperation in green finance
practice ESG investment support green
and low-carbon development and the
creation of a circular economy and
facilitate the realization of the targets of
peaking carbon emissions by 2030 and
realizing carbon neutrality by 2060. We
will pay attention to our impacts on the
environment fully practice green office
promote green procurement devote to
environmental protection-oriented public
welfare activities and push forward
ecological progress.Practicing the mission and serving
the real economy
Promoting FinTech innovation and co-
creating a better life
Coping with climate change and
building a beautiful homeland
2020 Social Responsibility Report104         Xi         Ban          o.        Li i
Appendix
Reporting Index
GRI Content Index
Standard number and description Page Note
GRI 101：Foundation
GRI 102：General disclosures
Organization profile
102-1 Name of the organization P8
102-2 Activities brands products and services P8
102-3 Location of headquarters P8
102-4 Location of operations P8
102-5 Ownership and legal form P8
102-6 Market served P8
102-7 Scale of the organization P8
102-8 Information on employees and other workers P8
102-11 Precautionary Principle or approach P86-93
102-12 External initiatives P11
102-13 Membership of associations P11
Strategy
102-14 Statement from senior decision-maker P4-7
102-15 Key impacts risks and opportunities P4-7
Ethics and integrity
102-16 Values principles standards and norms of behavior P8 P11
102-17 Mechanisms for advice and concerns about ethics P11
Governance
102-18 Governance structure P9
102-19 Delegating authority P11
102-20 Executive-level responsibility for economic environmental
and social topics P11-17
102-21 Consulting stakeholders on economic environmental and
social topics P12-13
102-22 Composition of the highest governance body and its
committees P9
102-23 Chair of the highest governance body P4-5
102-26 Role of highest governance body in setting purpose
values and strategy P9
102-29 Identifying and managing economic environmental and
social impacts P11-13
102-30 Effectiveness of risk management processes P92-93
102-31 Review of economic environmental and social topics P11-13
102-32 Highest governance body’s role in sustainability reporting P11
102-33 Communicating critical concerns P13
102-34 Nature and total number of critical concerns P12-13
Stakeholder engagement
102-40 List of stakeholder groups P13
102-42 Identifying and selecting stakeholders P12-13
102-43 Approach to stakeholder engagement P13
102-44 Key topics and concerns raised P12-13
Reporting practices
102-45 Entities included in the consolidated financial statements P1
102-46 Defining report content and topic Boundaries P1
102-47 List of material topics P12
102-48 Restatements of information P106-108
No
information
is restated.
102-49 Changes in reporting P106-108
There were
no major
changes
in topics
disclosed in
the report.
102-50 Reporting period P1
102-51 Date of most recent report P1
102-52 Reporting cycle P1
102-53 Contact point for questions regarding the report P1
102-54 Claims of reporting in accordance with the GRI Standards P106-108
102-55 GRI content index P106-108
102-56 External assurance P111-112
GRI 200
Economic
topics
GRI 103
Management
approach
103-1 Explanation of the material topic and its boundary P12 P32-57
103-2 The management approach and its components P32-57
103-3 Evaluation of the management approach P32-57
GRI 201 Economic
performance
201-1 Direct economic value generated and distributed P15
201-2 Financial implications and other risks and opportunities due
to climate change
P74-85
GRI 203 Indirect economic
impacts
203-1 Infrastructure investments and services supported P32-57
203-2 Significant indirect economic impacts P32-57
GRI 204
Procurement
practices
GRI 103
Management
approach
103-1 Explanation of the material topic and its boundary P83
103-2 The management approach and its components P83
103-3 Evaluation of the management approach P83
Standard number and description Page Note
2020 Social Responsibility Report106 107Hua Xia Bank Co. Limited
GRI 205
Anti-
corruption
GRI 103
Management
approach
103-2 The management approach and its components P90-91
205-1 Operations assessed for risks related to corruption P90-91
205-2 Communication and training about anti-corruption policies
and procedures
P90-91
GRI 300
Environmental
topics
GRI 103
Management
approach
103-1 Explanation of the material topic and its boundary P12 P32-57
103-2 The management approach and its components P74-85
103-3 Evaluation of the management approach P74-85
GRI 302 Energy
302-1 Energy consumption within the organization P83
302-4 Reduction of energy consumption P83
302-5 Reductions in energy requirements of products and services P82-83
GRI 400
Social topics
GRI 103
Management
approach
103-1 Explanation of the material topic and its boundary P12 P18-31 P94-103
103-2 The management approach and its components P18-31 P94-103
103-3 Evaluation of the management approach P18-31 P94-103
GRI 401 Employment
401-1 New employee hires and employee turnover P96
401-2 Benefits provided to full-time employees that are not
provided to temporary or part-time employees
P99-101
GRI 404 Training and
education
404-1 Average hours of training per year per employee P98
404-2 Programs for upgrading employee skills and transition
assistance programs
P98
GRI 405
Diversity
and equal
opportunity
GRI 103
Management
approach
103-2 The management approach and its components P96-97
103-3 Evaluation of the management approach P96-97
405-1 Diversity of governance bodies and employees P96-97
GRI 413
Local
communities
GRI 103
Management
approach
103-1 Explanation of the material topic and its boundary P72 P102-103
103-2 The management approach and its components P72 P102-103
103-3 Evaluation of the management approach P72 P102-103
GRI 416
Customer
health and
safety
GRI 103
Management
approach
103-1 Explanation of the material topic and its boundary P66-73
103-2 The management approach and its components P66-73
103-3 Evaluation of the management approach P66-73
416-1 Assessment of the health and safety impacts of product and
service categories
P71-73
GRI 417 Marketing and
labeling
417-1 Requirements for product and service information and
labeling
P71-73
Standard number and description Page Note PRB Content Index
Reporting and Self-Assessment Requirements Reference
Principle 1: Alignment
1.1 Describe (high-level) your bank's business model including the main customer segments served
types of products and services provided the main sectors and types of activities and where relevant the
technologies financed across the main geographies in which your bank has operations or provides products
and services.
P4-8 P11-13 P33
P47 P59 P75
P87 P951.2 Describe how your bank has aligned and/or is planning to align its strategy to be consistent with and
contribute to society's goals as expressed in the Sustainable Development Goals (SDGs) the Paris Climate
Agreement and relevant national and regional frameworks.
Principle 2: Impact and Target Setting
2.1 Impact Analysis
Show that your bank has identified the areas in which it has its most
significant (potential) positive and negative impact through an impact
analysis.
P4-7 P11-14 P16
P39 P74-85
2.2 Target Setting
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) targets which address at least two of the identified
“areas of most significant impact” resulting from the bank’s activities and
provision of products and services.Show that these targets are linked to and drive alignment with and greater
contribution to appropriate Sustainable Development Goals the goals of
the Paris 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.Show that the bank has analysed and acknowledged significant (potential)
negative 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 maximize the net positive impact of the set targets.
2.3 Plans for Target
Implementation and
Monitoring
Show that your bank has defined actions and milestones to meet the set
targets.Show that your bank has put in place the means to measure and monitor
progress against the set targets. Definitions of key performance indicators
any changes in these definitions and any rebasing of baselines should be
transparent.
2.4 Progress on
Implementing Targets
For each target separately:
Show that your bank has implemented the actions it had previously defined to
meet the set target.Or explain why actions could not be implemented / needed to be changed
and how your bank is adapting its plan to meet its set target.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)
2020 Social Responsibility Report108 109Hua Xia Bank Co. Limited
Reporting and Self-Assessment Requirements Reference
Principle 3: Clients and Customers
3.1 Provide an overview of the policies and practices your bank has in place and/or is planning to put in
place to promote responsible relationships with its customers. This should include high-level information on
any programmes and actions implemented (and/or planned) their scale and where possible the results
thereof. P19 P21 P26-57
P64-823.2 Describe how your bank has worked with and/or is planning to work with its clients and customers to
encourage sustainable practices and enable sustainable economic activities. This should include information
on actions planned/implemented products and services developed and where possible the impacts
achieved.Principle 4: Stakeholders
4.1 Describe which stakeholders (or groups/types of stakeholders) your bank has consulted engaged
collaborated or partnered with for the purpose of implementing these Principles and improving your bank’s
impacts. This should include a high-level overview of how your bank has identified relevant stakeholders and
what issues were addressed/results achieved.
P13
Principle 5: Governance & Culture
5.1 Describe the relevant governance structures policies and procedures your bank has in place/is planning
to put in place to manage significant positive and negative (potential) impacts and support effective
implementation of the Principles.
P9 P11-13 P81-85
P98
5.2 Describe the initiatives and measures your bank has implemented or is planning to implement to foster a
culture of responsible banking among its employees. This should include a high-level overview of capacity
building inclusion in remuneration structures and performance management and leadership communication
amongst others.
5.3 Governance Structure for Implementation of the Principles
Show that your bank has a governance structure in place for the implementation of the PRB including:
a) target-setting and actions to achieve targets set
b) remedial action in the event of targets or milestones not being achieved or unexpected negative impacts
being detected.Principle 6: Transparency & Accountability
6.1 Progress on
Implementing the Principles
for Responsible Banking
Show that your bank has progressed on implementing the six Principles over
the last 12 months (up to 18 months in your first reporting after becoming a
signatory) in addition to the setting and implementation of targets in minimum
two areas (see 2.1-2.4).Showed in this
report and Annual
Report 2020 of
Hua Xia Bank Co.Limited
Show that your bank has considered existing and emerging international/
regional good practices relevant for the implementation of the six Principles
for Responsible Banking. Based on this it has defined priorities and
ambitions to align with good practice.Show that your bank has implemented/is working on implementing changes
in existing practices to reflect and be in line with existing and emerging
international/regional good practices and has made progress on its
implementation of these Principles.Independent Assurance Report
2020 Social Responsibility Report110 111Hua Xia Bank Co. Limited
第三方审验意见
111华夏银行股份有限公司
Feedback Form
Thank you for reading the Hua Xia Bank Co. Limited 2020 Social Responsibility Report. In order
to provide you and other stakeholders with more valuable information and improve our ability and
level of CSR fulfillment we would love for you to share your comments on this report and send your
feedback as follows:
Tel: 010-85237056
Fax: 010-85239000
Email: zhshzr@hxb.com.cn
Postal code: 100005
Address: 22 Jianguomennei Street Dongcheng District Beijing
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〇 Employee 〇 Partner 〇 The Environment 〇 Community 〇 Media
〇 Other（ ）
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〇 Yes 〇 No what else would you like to know（ ）
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What other comments and suggestions do you have on our social responsibility work and our report?
2020 Social Responsibility Report112 113Hua Xia Bank Co. Limited
2020 年社会责任报告112