Core Viewpoint - Huishang Bank has been awarded the "Bank Wealth Management Service Golden Bull Award" and the "Golden Bull Private Banking Award" at the 6th Banking Golden Bull Awards, recognizing its excellence in wealth management and private banking services [1] Group 1: Awards and Recognition - The Golden Bull Awards are considered the "Oscar" of China's asset management industry, emphasizing fairness and respect for industry development [1] - The awards reflect Huishang Bank's comprehensive strength in product innovation, customer service, and team building in wealth management and private banking [1] Group 2: Customer-Centric Approach - Huishang Bank adheres to a customer-centric business philosophy, prioritizing customer needs and providing multi-layered, full-process companion services [3] - The establishment of the Wealth Management and Private Banking Department in July 2022 aims to enhance service quality and product offerings [3] - As of November 2025, the bank has 1.309 million wealth clients, with a compound annual growth rate (CAGR) of 17.5% over the past three years [3] Group 3: Product Diversification - The bank aims to create an open, all-term wealth product shelf, continuously innovating its product system to meet diverse and personalized wealth management needs [4] - Huishang Bank collaborates with multiple leading wealth management institutions, offering a diversified product system that includes personal finance, funds, insurance, and more [4] - As of November 2025, the bank has partnered with 54 institutions and offers 1,688 products [4] Group 4: Private Banking Services - The bank focuses on building a "small but beautiful" private banking service system, emphasizing professional and personalized services [5] - A joint service model involving branch financial managers, wealth consultants, and product experts is implemented to provide customized asset allocation solutions [5] - The bank has launched a mobile banking private banking section and a service platform, enhancing customer engagement through exclusive benefits [5] Group 5: Talent Development - Professional talent is viewed as the core competitive advantage in wealth management, and the bank is committed to strengthening its wealth management team [6] - A tiered training system has been established to enhance the capabilities of the wealth management team at various levels [6] - The bank has achieved notable recognition in industry competitions, showcasing its professional standards and talent advantages [6] Group 6: Brand Building and Social Responsibility - Brand building is essential for establishing long-term trust and differentiation, with the bank promoting rational investment education and a positive wealth philosophy [7] - The bank actively engages in financial literacy campaigns, particularly targeting elderly clients, to enhance their financial awareness and risk prevention [7] - The recent awards serve as both recognition of the bank's comprehensive strength and motivation for future development, aiming to become the preferred bank for regional wealth management [7]

Core Insights - The article highlights the growth and commitment of Huishang Bank in supporting local economic development and innovation in Anhui province, emphasizing its role in providing financial support to small and medium-sized enterprises (SMEs) and technology-driven companies [4][5][11]. Group 1: Financial Support and Innovation - Huishang Bank provided 10 million yuan in credit support to Hefei Dezhihang Technology Co., helping the company navigate cash flow challenges after relocating its headquarters [2]. - The bank's commitment to innovation is reflected in its approach to financing technology companies, utilizing a collaborative model with government and guarantees to enhance credit access [7]. Group 2: Growth and Development - Since its establishment, Huishang Bank has grown from an asset scale of less than 50 billion yuan to 2.3 trillion yuan, expanding its influence beyond Anhui to regions like the Yangtze River Delta and the Greater Bay Area [4]. - The bank has provided over 3 trillion yuan in financial support to Anhui during the 14th Five-Year Plan period, with an annual growth rate of 27% in manufacturing loans and 25% in loans for strategic emerging industries [5]. Group 3: Commitment to Social Responsibility - Huishang Bank has a strong focus on inclusive finance, with 255 billion yuan in loans to private enterprises and over 170 billion yuan to micro and small enterprises, ranking first among commercial banks in Anhui [8]. - The bank has established 110 "Changchun Flower" senior-friendly branches and has a significant presence in rural revitalization, with over 200 billion yuan in agricultural loans [8]. Group 4: Governance and Sustainability - The bank emphasizes high-quality governance as a foundation for sustainable development, integrating party leadership into its governance structure and enhancing compliance culture [9]. - Huishang Bank has committed to green finance, with nearly 160 billion yuan in green credit and being one of the first banks to sign a declaration supporting biodiversity [7]. Group 5: Future Vision - As Huishang Bank celebrates its 20th anniversary, it aims to establish itself as a trusted bank and a responsible financial institution, focusing on quality service and community engagement [11][12].

Core Viewpoint - Huishang Bank is transforming its inclusive finance approach into a "quality improvement and efficiency enhancement" 2.0 era through digital and intelligent transformation, addressing traditional financing challenges for small and micro enterprises [1] Group 1: Digital Transformation and Product Innovation - The bank has launched products like "Fund Flow e-Loan" and "Online No-Repayment Renewal Loan for Small Enterprises," utilizing big data and AI to tackle information asymmetry in financing for small businesses [1][5] - As of September 2025, the bank's inclusive loans for small and micro enterprises exceeded 170 billion yuan, supporting over 380,000 businesses, with average interest rates for new loans declining for three consecutive years [3][4] Group 2: Case Study and Implementation - A case study highlights a metal pipe company that received a 5 million yuan "Fund Flow e-Loan" through a comprehensive service process initiated by Huishang Bank, showcasing the bank's proactive approach to client needs [4][6] - The "Fund Flow e-Loan" product integrates data from the national credit information sharing platform, enhancing credit assessment and risk management through a four-dimensional model [5][6] Group 3: Recognition and Impact - Since its launch in June 2025, the "Fund Flow e-Loan" has disbursed over 100 million yuan and received the "New Service New Momentum Pioneer Case" award, establishing Huishang Bank as a benchmark in the industry for addressing financing challenges [7][8] - The bank's initiatives align with national policies aimed at enhancing credit supply to small and micro enterprises, reflecting a shift from being mere fund providers to becoming growth partners [8][9] Group 4: Future Directions - Huishang Bank aims to enhance its digital capabilities, promote comprehensive services, and implement strategic initiatives to support the high-quality development of inclusive finance [9]

Core Viewpoint - Huishang Bank celebrates its 20th anniversary, highlighting its commitment to serving the local economy and society while achieving significant growth and transformation in the banking sector [1][4]. Group 1: Service and Development - Established in December 2005, Huishang Bank emerged as the first bank formed by the merger of urban commercial banks and rural credit cooperatives in China, aimed at supporting local economic development [2]. - The bank has provided over 3 trillion yuan in financial support to Anhui Province during the 14th Five-Year Plan period, with total assets reaching 2.3 trillion yuan and loans exceeding 1 trillion yuan [4][5]. - Huishang Bank has focused on supporting technological innovation, with a loan balance for technology exceeding 210 billion yuan and significant contributions to the manufacturing sector [3][4]. Group 2: Financial Performance - Over the past 20 years, Huishang Bank's assets have grown over 45 times, with deposits and loans increasing by 28 times and 35 times, respectively [5]. - The bank has achieved a non-performing loan ratio below 1%, significantly better than the industry average, and maintains a core Tier 1 capital adequacy ratio of 9.62% [5]. - The bank's brand value has improved, ranking 101st in the Global 1000 Banks list, a significant rise of 672 places since 2008 [6]. Group 3: Innovation and Transformation - Huishang Bank is actively pursuing digital transformation, with technology investments exceeding 3.65 billion yuan over three years, and a focus on enhancing customer experience through digital services [8][9]. - The bank has established a comprehensive service network with 474 branches and 505 self-service areas, expanding its reach into key national strategic regions [7][8]. - It has successfully launched innovative financial products, including the first technology innovation bonds in the country, showcasing its commitment to innovation [9][10]. Group 4: Governance and Compliance - The bank emphasizes high-quality governance and compliance, integrating party leadership into its operational framework to ensure accountability and effective oversight [11][12]. - Huishang Bank has developed a modern internal control system covering all business lines, enhancing its compliance culture and improving regulatory ratings [12]. - The bank's workforce is highly educated, with over 94% of employees holding a bachelor's degree or higher, fostering a culture of continuous improvement and capability enhancement [12]. Group 5: Commitment to Mission - Huishang Bank aims to align its services with the broader economic goals of Anhui Province, focusing on supporting key sectors such as technology, advanced manufacturing, and green industries [13][14]. - The bank is dedicated to providing comprehensive financial solutions that cater to both corporate and individual clients, enhancing customer trust and loyalty [13][14]. - It strives to maintain a balance between risk management and growth, ensuring sustainable development while adhering to compliance standards [15].

Core Viewpoint - Huishang Bank celebrates its 20th anniversary, highlighting its commitment to serving the local economy and society while achieving significant growth and development in the banking sector [1][4]. Group 1: Historical Development - Established in December 2005, Huishang Bank was formed through the integration of local commercial banks and credit cooperatives, becoming the first bank of its kind in China [4]. - The bank went public on the Hong Kong Stock Exchange in November 2013, marking a significant milestone as the first city commercial bank in Central China to list [5]. - In 2020, Huishang Bank successfully acquired four branches of the former Baoshang Bank, demonstrating its commitment to national financial stability [5]. Group 2: Economic Contributions - Huishang Bank has provided over 30 trillion yuan in financial support to Anhui Province during the 14th Five-Year Plan period, with total assets reaching 2.3 trillion yuan and loans exceeding 1 trillion yuan [8]. - The bank has significantly contributed to the local economy, with loans to the manufacturing sector exceeding 160 billion yuan and support for the new energy vehicle industry amounting to 153.1 billion yuan [6]. - It has also focused on green finance, with a green credit balance of nearly 160 billion yuan, becoming one of the first banks to sign a declaration supporting biodiversity [6]. Group 3: Financial Performance - Over the past 20 years, Huishang Bank's assets have grown over 45 times, with deposits and loans increasing by 28 times and 35 times, respectively [8]. - The bank's non-performing loan ratio has improved to below 1%, significantly better than the industry average, while its core Tier 1 capital adequacy ratio stands at 9.62% [9]. - Huishang Bank ranks 101st in the Global 1000 Banks list, a significant rise of 672 places since 2008, and is recognized as the 23rd largest bank in China [9]. Group 4: Innovation and Digital Transformation - The bank is actively pursuing digital transformation, with technology investments exceeding 4% of revenue and a total of 3.65 billion yuan invested over the past three years [12]. - Huishang Bank has developed a comprehensive service network with 474 branches and 505 self-service areas, enhancing its regional presence [11]. - It has introduced innovative financial products, including the first science and technology bonds in the country, showcasing its commitment to innovation [13]. Group 5: Governance and Corporate Culture - The bank emphasizes high-quality governance and has established a robust supervisory system to ensure compliance and accountability [14]. - Huishang Bank integrates party leadership into its governance framework, enhancing its operational effectiveness and cultural cohesion [15]. - The workforce is highly educated, with over 94% of employees holding a bachelor's degree or higher, fostering a culture of excellence and innovation [15]. Group 6: Future Outlook - Huishang Bank aims to align with Anhui's development goals, focusing on key areas such as technological innovation and green industries [16]. - The bank is committed to providing comprehensive financial solutions that meet customer needs while maintaining a strong focus on risk management and compliance [17]. - As it enters its next phase, Huishang Bank seeks to solidify its position as a leading financial institution in China, contributing to the modernization of Anhui Province [17].

Core Viewpoint - Huishang Bank celebrates its 20th anniversary, highlighting its commitment to serving the local economy and society while achieving significant growth and transformation over two decades [1][6]. Group 1: Historical Development - Established in December 2005, Huishang Bank was formed through the integration of urban commercial banks and rural credit cooperatives in Anhui Province, becoming the first of its kind in China [3]. - The bank went public on the Hong Kong Stock Exchange in November 2013, marking a significant milestone as the first urban commercial bank from Central China to list [3]. - In 2020, Huishang Bank acquired four branches of the former Baoshang Bank, successfully managing nearly 100 billion in assets and maintaining service continuity for approximately one million customers [3]. Group 2: Economic Contributions - The bank's loans in Anhui Province surpassed 1 trillion, contributing to the province's recognition as an "economic powerhouse" [4]. - Huishang Bank has provided over 3 trillion in financial support to Anhui during the 14th Five-Year Plan period, with total assets reaching 2.3 trillion and both deposits and loans exceeding 1 trillion [6]. - The bank has focused on supporting technological innovation, with a loan balance for technology exceeding 210 billion, and has actively participated in the development of the new energy vehicle industry [4]. Group 3: Financial Performance - Huishang Bank's asset scale has grown over 45 times, with deposits and loans increasing by 28 times and 35 times respectively, reflecting a significant leap in both quantity and quality [6]. - The bank's non-performing loan ratio has dropped below 1%, indicating strong risk management capabilities, while its core Tier 1 capital adequacy ratio stands at 9.62% [7]. Group 4: Business Diversification - The bank has transitioned from a traditional banking model to a comprehensive financial service provider, offering investment banking, wealth management, and asset custody services [7]. - Huishang Bank has established a robust digital transformation strategy, with significant investments in technology and a focus on enhancing customer experience through digital channels [10]. Group 5: Governance and Compliance - The bank emphasizes high-quality governance and compliance as essential for sustainable development, integrating party leadership into its operational framework [12]. - Huishang Bank has developed a modern internal control system that covers all business lines, enhancing its compliance culture and improving regulatory ratings [13]. Group 6: Future Outlook - Looking ahead, Huishang Bank aims to align with national development strategies, focusing on innovation in financial services and enhancing its role as a financial leader in Anhui [14][15]. - The bank is committed to maintaining a balance between quality and efficiency, optimizing its cost-to-income ratio, and enhancing its competitive edge in key business areas [11].

Core Viewpoint - Huishang Bank celebrates its 20th anniversary, highlighting its commitment to serving the local economy and society while achieving significant growth and transformation in the banking sector [1][4]. Group 1: Service and Development - Established in December 2005, Huishang Bank emerged as the first bank formed by the merger of urban commercial banks and rural credit cooperatives in China, aimed at supporting local economic development [2]. - The bank has provided over 3 trillion yuan in financial support to Anhui Province during the 14th Five-Year Plan period, with total assets reaching 2.3 trillion yuan and loans exceeding 1 trillion yuan [4][5]. - Huishang Bank has focused on supporting technological innovation, with a loan balance for technology exceeding 210 billion yuan, and has actively engaged in financing the manufacturing sector with over 160 billion yuan in loans [3][4]. Group 2: Financial Performance and Growth - The bank's assets, deposits, and loans have grown significantly, with asset size increasing over 45 times, deposits 28 times, and loans 35 times since its inception [5]. - The number of personal customers has surpassed 21.5 million, reflecting a growth of 9.1 times, indicating a substantial increase in both quantity and quality of services [5]. - Huishang Bank has diversified its business operations, transitioning from a traditional banking model to a comprehensive financial service provider, offering investment banking, wealth management, and asset custody services [5]. Group 3: Risk Management and Governance - The bank has improved its risk management capabilities, with a non-performing loan ratio dropping below 1% and a core tier one capital adequacy ratio maintained at 9.62% [5]. - Huishang Bank emphasizes high-quality governance, integrating party leadership into its operational framework and enhancing compliance culture to ensure sustainable development [11][12]. Group 4: Innovation and Digital Transformation - The bank is advancing its digital transformation, with technology investments exceeding 3.65 billion yuan over three years, and has successfully launched a new core system to enhance operational efficiency [8][9]. - Huishang Bank has developed a customer-centric service model, achieving near 100% satisfaction in counter services and expanding its mobile banking user base to over 12 million [8][9]. Group 5: Commitment to Social Responsibility - The bank has actively participated in rural revitalization, with agricultural loans exceeding 200 billion yuan and serving approximately 6.5 million rural residents [3]. - Huishang Bank aims to align its services with national strategic goals, focusing on sectors such as technology innovation and green finance to support sustainable development [13][14].

Core Viewpoint - Huishang Bank celebrates its 20th anniversary, highlighting its commitment to serving the public and supporting local economic development through reform and innovation [2][3]. Group 1: Company Growth and Achievements - Since its establishment in 2005, Huishang Bank has grown significantly, with assets, deposits, and loans increasing over 45 times, 28 times, and 35 times respectively [3]. - The bank has over 21.5 million personal customers and has seen a 9.1-fold increase in scale, contributing to Anhui's economic growth [3]. - Huishang Bank's loans in Anhui have surpassed 1 trillion yuan, supporting the province's status as an "economic powerhouse" [3]. - The bank has provided over 210 billion yuan in technology loans and over 160 billion yuan in manufacturing loans, demonstrating its support for industrial upgrades [3]. - Green credit balances are nearly 160 billion yuan, and loans to private enterprises and small businesses exceed 255 billion yuan and 170 billion yuan respectively [3]. Group 2: Innovation and Reform - Huishang Bank emphasizes reform and innovation as key strategies, transitioning from traditional banking to a modern financial group [4]. - The bank has successfully launched a new core system and increased its technological investments, significantly enhancing its digital capabilities [4]. - It has improved its ranking in the global banking sector, now positioned at 101 among the world's top 1,000 banks [4]. Group 3: Regional Development and Community Engagement - The Shenzhen branch of Huishang Bank has experienced rapid growth since its establishment in 2020, with total deposits and loans nearing 50 billion yuan [6]. - The branch has developed a diversified business model, integrating traditional banking with investment and wealth management services [6]. - It has received numerous awards for its contributions to local economic development and community service, enhancing its brand influence [7]. Group 4: Future Outlook - Moving forward, Huishang Bank aims to continue its commitment to national strategies and regional development, aspiring to become a leading modern commercial bank [8]. - The bank plans to maintain its focus on the political and public nature of financial work while fostering a spirit of innovation and integrity [8].

Core Viewpoint - Huishang Bank is celebrating its 20th anniversary and aims to enhance financial services to support high-quality development in Anhui Province, emphasizing its significant contributions and future commitments to the local economy [1][2][4] Group 1: Achievements and Contributions - Huishang Bank has grown to become a crucial part of the Anhui financial system, with total assets exceeding 2.3 trillion yuan and both deposits and loans surpassing 1 trillion yuan [1] - During the 14th Five-Year Plan period, Huishang Bank provided over 3 trillion yuan in financial support to Anhui Province [1] - The bank's achievements are attributed to the support from the government, clients, peers, and media [1] Group 2: Future Plans and Commitments - Huishang Bank plans to leverage its 20th anniversary as a catalyst to implement provincial government strategies and enhance its role in supporting the overall development of Anhui [1] - The bank aims to tackle challenges, accelerate reforms, and improve professional capabilities to contribute to the construction of a better Anhui [1] - A collaborative initiative was launched to enhance financial service quality and support the economic and social development of Anhui [2] Group 3: Events and Discussions - The anniversary event included speeches from various leaders who acknowledged Huishang Bank's contributions and expressed expectations for its future role in supporting high-quality development [2] - A roundtable forum was held to discuss how to effectively serve Anhui's modern industrial system and high-quality development [2] - A media discussion was conducted to reflect on the bank's 20 years of achievements and to communicate its brand value [4]

Core Viewpoint - Huishang Bank is celebrating its 20th anniversary and emphasizes its role in supporting the high-quality development of Anhui Province, with a focus on future growth and collaboration with various stakeholders [1][2]. Group 1: Achievements and Contributions - Huishang Bank has grown to become a significant force in the Anhui financial system, with total assets exceeding 2.3 trillion yuan and both deposits and loans surpassing 1 trillion yuan [1]. - During the "14th Five-Year Plan" period, Huishang Bank provided over 3 trillion yuan in financial support to Anhui Province [1]. - The bank's achievements are attributed to the support from the government, clients, peers, and media [1]. Group 2: Future Plans and Initiatives - Huishang Bank aims to leverage its 20th anniversary as a catalyst to implement provincial government directives and enhance its financial services to support the overall development of Anhui [1]. - The bank plans to tackle challenges, accelerate reforms, and improve professional capabilities to contribute to the construction of a better Anhui [1]. Group 3: Collaborative Efforts and Discussions - The conference included speeches from various leaders who acknowledged Huishang Bank's contributions to local economic development and expressed expectations for its future role [2]. - A roundtable forum was held to discuss how to effectively serve Anhui's modern industrial system and high-quality development, fostering constructive exchanges among participants [2]. - Huishang Bank and its partners jointly released a "Service Entity Economy Cooperation Initiative," committing to enhance financial service quality and support Anhui's economic and social development [2]. Group 4: Media Engagement - A media discussion was held to reflect on Huishang Bank's strategic achievements over the past 20 years and to communicate its brand value [3]. - The event marked a new beginning for Huishang Bank as it aims to deepen its roots in Anhui and continuously improve its service quality [3].