Core Insights - The report highlights WeBank's commitment to sustainable development and its progress in implementing ESG strategies, marking the fourth consecutive year of disclosure [1] Group 1: Operational and Business Synergy - WeBank has leveraged its digital and online capabilities to achieve a paperless operation, saving over 3.2 billion sheets of paper and reducing carbon emissions by over 28,000 tons of CO2 equivalent [2] - The bank has achieved operational carbon neutrality for the third consecutive year and is actively pursuing green building certifications for its properties [2] - As of the end of 2024, WeBank's green loan balance reached 40.554 billion yuan, growing over 80% from the beginning of the year, covering sectors such as new energy vehicles and green buildings [2] Group 2: Support for the Real Economy - WeBank has served over 420 million individual customers, with approximately 18% of "Weilidai" borrowers being first-time loan applicants and about 85% having a college education or lower [3] - The bank's inclusive small and micro loans increased by 18.3% year-on-year, accounting for over 51% of total loans [3] - WeBank has expanded its financial services to cover over 50,000 tech enterprises and more than 100,000 national high-tech enterprises across over 20 provinces and municipalities [3] Group 3: Digital Finance and Technological Innovation - WeBank has achieved a peak of over 1.4 billion financial transactions in a single day, maintaining a product availability rate of over 99.999% throughout the year [4] - The bank has established a Hong Kong technology subsidiary to support digital inclusive finance and industrial digitalization in countries along the Belt and Road [4] - WeBank has launched a dedicated app version for elderly users, managing assets exceeding 230 billion yuan for this demographic by the end of 2024 [4] Group 4: Governance and Social Responsibility - WeBank has enhanced its corporate governance structure and joined the United Nations Global Compact, committing to its ten principles and contributing to the UN Sustainable Development Goals [5] - The bank has initiated consumer protection measures, including a series of live-streamed financial education sessions that attracted 4.83 million viewers [5] - WeBank's "Weilidai Rural Revitalization Assistance Project" has covered 48 counties, contributing over 2.9 billion yuan in value-added tax to local economies [6] Group 5: Commitment to Sustainable Development - WeBank aims to integrate ESG principles into its business operations, reinforcing its role as a responsible bank and supporting high-quality economic and social development [6]