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].
廿载风华映江淮 金融初心铸辉煌——徽商银行成立20周年发展掠影