Five major articles are beautifully written; what enables Huaxia Bank to achieve both quantitative and qualitative growth?

Produced by | China Visitor Network

Reviewed by | Li Xiaoyan

On March 30th, Huaxia Bank’s 2025 Annual Report was officially released. This substantial “annual report card” not only demonstrates the resilience of a state-owned financial institution to maintain steady progress in a complex economic environment but also sketches a vivid picture of financial state-owned enterprises practicing their original missions through solid service to national strategies and deep engagement in the real economy. Over the past year, Huaxia Bank has taken the “Ten Major Actions” to improve operations as a key focus, working in coordination across multiple dimensions such as scale, structure, efficiency, and risk control, promoting stability through growth and winning with quality, laying a solid foundation for high-quality development during the 14th Five-Year Plan.

In 2025, Huaxia Bank’s operational situation is trending positively across the board, with key indicators rising in both quantity and quality, achieving the best “acceleration” in nearly five years. By the end of the year, the bank’s total assets reached 4.74 trillion yuan, an 8.3% increase year-on-year; deposit balance was 2.38 trillion yuan, and loan balance was 2.57 trillion yuan, increasing by 10.7% and 8.5%, respectively. Both the growth in deposits and loans and their rates hit new highs in nearly five years, with capital strength and service capacity simultaneously enhanced.

Profitability remained steady, with a full-year net profit attributable to the parent company of 27.2 billion yuan, demonstrating strong operational resilience amid narrowing industry interest spreads. Asset quality continued to improve, with a non-performing loan ratio of 1.55%, down 0.05 percentage points from the previous year, marking five consecutive years of steady decline, with risk mitigation capabilities continuously strengthening. The bank’s international brand influence continued to rise, with its Tier 1 capital ranking jumping to 47th among the world’s top 1,000 banks according to The Banker, an increase of 2 places from the previous year, and overall competitiveness reaching a new level.

Behind the scale growth is a deep optimization of structure. The proportions of deposits and loans increased by 1.1 and 0.1 percentage points respectively, clearly guiding funds toward the real economy; the share of business supporting the “Five Major Articles” of serving national strategies increased by 6.1 percentage points, making development momentum more balanced and sustainable. Transitioning from “scale expansion” to “quality and efficiency improvement,” Huaxia Bank maintains a stable foundation to solidify its financial base for serving the real economy.

Upholding the original intention of serving the people through finance, Huaxia Bank leverages the dual characteristics of “Technology Finance” and “Green Finance” as driving forces, deeply cultivating inclusive finance, pension, and digital finance fields, ensuring that financial resources are precisely channeled into key areas and weak links of the real economy, with highlights and remarkable results in the “Five Major Articles.”

Technology finance leads innovation, empowering new productive forces. Focusing on innovation-driven strategies, Huaxia Bank has built a “full-cycle” service system for investment and lending linkage, innovating products such as R&D loans, investment-linked loans, and options loans, solving pain points for tech companies with “light assets and financing difficulties.” In 2025, the bank launched its first interbank science and technology innovation bonds, with a balance of science and technology finance loans reaching 244.6 billion yuan, growing at a rapid rate of 53.7%, accelerating the transformation of scientific and technological achievements and industry upgrades through financial support.

Green finance brand enhancement, supporting the construction of Beautiful China. Building a full-chain green service system covering “loans, investments, guarantees, leasing, and management,” working with the Asian Development Bank to promote green and low-carbon projects in industrial parks, expanding the influence of the “Green Building Huaxia” brand. The green loan balance for the year was 373.4 billion yuan, a 31% increase; successfully issued 20 billion yuan of green financial bonds, injecting long-term funds into clean energy, low-carbon manufacturing, and other fields, using financial power to protect clear waters and lush mountains.

Inclusive finance benefits thousands of households, helping small and micro enterprises grow strong. Focusing on urgent, difficult, and anxious issues for small and micro enterprises, upgrading digital inclusive products like “Longshang Loan,” enabling full-process online handling for efficiency and convenience; reducing or waiving 20 fees to lower financing costs. The balance of inclusive small and micro loans reached 193.6 billion yuan, a 6% increase, exceeding regulatory targets for eight consecutive years, illuminating the growth path for small micro enterprises with financial sunshine.

Accelerating pension finance layout, safeguarding citizens’ happy old age. Establishing a “three-in-one” framework of “pensions, services, and industries,” covering savings, funds, wealth management, and insurance, fully meeting pension needs. Personal pension accounts reached 776k, a 30.8% increase; pension industry financing totaled 58.6 billion yuan, up 32.8%, with financial warmth supporting the high-quality development of the “silver economy.”

Deep empowerment of digital finance, activating new development momentum. Promoting deep integration of finance and technology, expanding scenarios such as smart education and digital government, creating integrated services like “Smart Campus” and “Digital Canteen.” Core industries of the digital economy had loans of 97.1 billion yuan, a 29.9% increase; mobile banking signed clients reached 31.31 million, with 6.26 million monthly active users, continuously enhancing digital service reach, injecting financial wisdom into industrial digitalization.

Actively integrating into the national development strategy, Huaxia Bank focuses on key regions and fields, optimizing resource allocation, strengthening financial supply, and achieving high-quality development through service to national strategies.

Focusing on key areas, strengthening precise credit deployment. Supporting new productive forces, manufacturing, and strategic emerging industries with increased support. Manufacturing loans reached 304 billion yuan, up 18.7%, providing solid support for advanced industrial foundations and modernization of industrial chains.

Deepening regional cooperation, integrating into four major economic zones. Focusing on Beijing-Tianjin-Hebei, Yangtze River Delta, Guangdong-Hong Kong-Macao, and Chengdu-Chongqing, leading resource tilt through “leading branches,” with regional deposit and loan growth exceeding 10%. Improving cross-border financial services, with cross-border RMB receipts and payments totaling 151.1 billion yuan, up 22.7%, facilitating smooth domestic and international dual circulation.

Enhancing retail finance, serving people’s better lives. Building a full-cycle customer service system, with 47.4k active personal clients, up 30.8%; private banking clients numbered 20.2k, with 1.11 trillion yuan in financial assets, increasing by 21.7% and 11.3%, respectively. From wealth management to consumer credit, providing refined services to meet the growing financial needs of the people.

Speeding up comprehensive operations, synergizing subsidiaries for efficiency. Huaxia Financial Leasing’s total assets surpassed 200 billion yuan, with net profit over 3 billion yuan; green leasing accounted for 53.4%, with ROE ranking first among peers; Huaxia Wealth Management’s scale reached 1.2 trillion yuan, up 45.8%, leading the industry in growth for three consecutive years, awarded the “Golden Bull Wealth Management Company,” continuously demonstrating its integrated operation advantages.

Balancing development and security, Huaxia Bank improves a comprehensive risk management system, using intelligent and refined controls to build a solid safety line, safeguarding high-quality development.

Improving risk governance, consolidating main responsibilities. Establishing a sound risk appetite system, implementing key line risk deputation, strengthening credit approval centralization, and building a clear, collaborative risk governance framework. Improving accountability mechanisms, integrating compliance concepts throughout operations, and maintaining the bottom line of avoiding systemic risks.

Upgrading intelligent risk control, enhancing prevention and response. Iterating the “Longdun” big data risk control system, optimizing risk measurement models, utilizing AI and big data for precise risk identification and intelligent early warning. Responding to transaction risks in seconds and handling them intelligently, with technology empowering risk control to improve quality and efficiency, successfully safeguarding over 1.2 billion yuan of customer funds in 2025.

Strengthening compliance management, building a solid foundation. As the first in the banking industry to establish a systematic compliance officer team covering headquarters, branches, and subsidiaries, advancing compliance digital transformation, and controlling risks related to cases, money laundering, operations, and legal issues throughout the chain, ensuring steady development through compliant operations.

The journey is full of momentum, and the heavy responsibilities call for a new start. 2026 marks the beginning of the 14th Five-Year Plan and a critical year for Huaxia Bank’s high-quality development. Standing at a new starting point, Huaxia Bank will always adhere to the political and people-oriented nature of financial work, pursue steady progress, return operations to their roots, management to their essence, and positioning to its true self. It will serve the real economy with more practical measures, fulfill the responsibilities of a state-owned enterprise with higher quality, and respond to risks and challenges with greater resilience, striving to write a new chapter of high-quality development and contribute solid Huaxia strength to the comprehensive construction of a socialist modern country!