Huishang Bank released its 2025 Social Responsibility Report, detailing a year of solid financial expansion and intensified ESG commitment.

Financial Highlights • Total assets rose 15.5% year-on-year to RMB 2.30 trillion. • Total loans exceeded RMB 1.10 trillion, underpinning a net profit of RMB 17.00 billion. • Non-performing loan ratio edged down 0.01 percentage point to 0.98%, the lowest level in nearly a decade. • Capital adequacy ratio stood at 13.77%.

Supporting the Real Economy • Loans to local state-owned enterprises reached RMB 348.67 billion, up 7.2%. • Inclusive finance: loan balance to micro and small businesses climbed 9.7% to RMB 177.65 billion, serving 424,700 borrowers. • Agriculture-related lending advanced 15.8% to RMB 206.39 billion, with nine new county-level sub-branches opened to deepen rural coverage.

Green & Transition Finance • Green loan balance expanded 45.79% to RMB 155.30 billion. • Issued Anhui’s first transition loan for the building-materials sector and arranged RMB 1.00 billion in carbon-reduction lending, enabling an annual cut of 142,100 tons of CO₂. • Invested RMB 1.54 billion in green, carbon-neutral and sustainability-linked bonds; launched biodiversity-finance pilots.

Digital & Technology Finance • Loan balance to technology enterprises reached RMB 210 billion, up 24.7%. • Debuted a RMB 5.00 billion sci-tech innovation bond—the province’s largest single tranche—and granted nearly RMB 400 million in online IP-pledged loans. • Rolled out Mobile Banking 7.0 and “Trader APP 3.0”, lifting mobile clients to 12.17 million (+11.4%) and corporate online-banking users to 4.54 million (+8.8%).

Operational Excellence • Cost-to-income ratio improved to 25.0% from 26.3%. • Huishang completed five version upgrades of its green-finance management system and implemented AI-driven risk-control models across credit processes.

Human Capital & Governance • Total headcount stood at 12,873; women accounted for 51.4% of the workforce. • Average training hours reached 196 per employee; a new party-school platform delivered over 40 leadership and skills programmes. • Huishang maintained 100% labor-contract coverage and zero incidents of child or forced labor.

Community Commitment • Social investment totalled RMB 2.08 million, channelled into rural revitalisation, education and public-health projects. • Volunteers logged more than 1,000 service hours across 470 activities, contributing to financial literacy, environmental protection and support for vulnerable groups.

Outlook Marking its 20th anniversary, Huishang Bank reaffirmed ambitions to strengthen technology, green, inclusive, pension and digital finance, while targeting higher asset quality and deeper regional economic integration as it moves into China’s 15th Five-Year Plan period.