Core Viewpoint - Hengfeng Bank has been awarded the "Annual Pension Financial Social Responsibility Award" for its systematic innovation and social responsibility practices in the field of pension financial services [1][2]. Group 1: Award and Recognition - The "Jiefu Award" was established by the financial media "Caishi China" in 2014, recognized as a significant honor in the financial industry [2]. - The award aims to review and showcase various business explorations and innovations by banks over the past year, highlighting institutions, products, and individuals with outstanding achievements [2]. Group 2: Pension Financial Services - Hengfeng Bank focuses on the silver economy, covering three main areas: pension finance, pension service finance, and pension industry finance [4]. - The bank has launched a dedicated service brand "Yueheng·Sui Xiang" for elderly clients, creating a comprehensive service system that includes products, rights, activities, tools, teams, partner enterprises, and platforms [4]. - The bank has increased credit supply in the silver economy sector to support the development of pension services and ensure the security of pension funds [4]. Group 3: Product and Service Innovation - Hengfeng Bank has developed exclusive deposit and wealth management products tailored to the risk preferences of the elderly, addressing their multi-level pension planning needs [4]. - The bank has designed the "Hengxiangfu Card" with aesthetic considerations for the elderly and offers benefits such as fee waivers for lost card reporting and transaction notifications [4]. Group 4: Community Engagement and Education - The bank has established "Bank Branch Elderly Universities" in collaboration with local educational institutions, offering over 650 courses on topics like fraud prevention and health [5]. - Hengfeng Bank organizes weekly "Sui Xiang Activity Days" with various activities to enrich the lives of the elderly [5]. - A user-friendly WeChat mini-program "Hengfeng Sui Xiang Zone" has been launched to enhance online engagement for elderly clients [5]. Group 5: Support for the Elderly Industry - Hengfeng Bank has included the elderly industry in its credit business focus, supporting sectors such as elderly product manufacturing and facility construction [5]. - The bank has introduced innovative financial products like "Grassroots Medical Loans" to enhance the service capabilities of local healthcare institutions [5]. - The bank aims to continue its commitment to serving the public through product innovation, service optimization, and community engagement [5].

Core Viewpoint - Hengfeng Bank, as the only national joint-stock commercial bank headquartered in Shandong, emphasizes the cultivation and promotion of Chinese financial culture, integrating it into all aspects of its management for high-quality development [1][3]. Group 1: Financial Culture and Community Engagement - The bank has established a financial culture academy that showcases the practice of Chinese financial culture through various formats, receiving over 10,000 visitors since its inception [1]. - Hengfeng Bank's financial culture academy emphasizes political attributes, showcasing the spirit of the 20th National Congress and achievements in serving the real economy and managing financial risks [3]. - The bank has actively engaged in community service, organizing over 5,800 financial education activities benefiting more than 150 million people [6]. Group 2: Financial Performance and Growth - In 2024, Hengfeng Bank plans to issue over 700 billion yuan in loans, with a year-on-year growth rate exceeding 20% in technology, green, and inclusive loans [3]. - The bank's non-performing loan ratio stands at 1.49%, marking a continuous decline for 24 consecutive quarters, the best in the industry [3]. - Since 2020, the bank has provided over 550 billion yuan in corporate loans in Shandong, with the loan balance in the province nearly doubling since its restructuring [3]. Group 3: Customer-Centric Services - Hengfeng Bank focuses on a people-centered approach, developing a pension finance brand that has received recognition as a "good financial product" in Shandong [6]. - The bank has nearly 100 branches recognized as "civilized service demonstration sites," ranking among the top in the industry [6]. - The customer service hotline has achieved a satisfaction rate of 99.4%, reflecting the bank's commitment to consumer rights protection [6]. Group 4: Innovation and Professionalism - The bank has launched innovative financial solutions, including the "Heng Green Easy Carbon" carbon finance solution and the first "water-saving loan" linked to intellectual property [7]. - Hengfeng Bank has been awarded "Best Supply Chain Finance Bank" for three consecutive years, highlighting its commitment to enhancing supply chain financial services [7]. - The bank has successfully assisted local enterprises in issuing various types of bonds, boosting confidence in overseas investment in Shandong [7]. Group 5: Cultural Integration and Development - The bank has implemented a cultural enhancement project, refining its corporate culture to integrate Chinese financial culture deeply into its operations [8]. - The "Five Musts and Five Must Nots" principles have been incorporated into employee conduct guidelines, promoting a culture of integrity and compliance [8].

Core Viewpoint - The 2025 China International Financial Expo showcased Hengfeng Bank's achievements and innovations in financial services, emphasizing its commitment to various financial sectors and the integration of technology in driving economic development [1][3][10]. Digital Finance - Hengfeng Bank presented multiple digital loan products and innovations, focusing on a service system tailored for elderly customers, which has earned recognition in Shandong Province [3]. - The bank utilizes big data and AI to enhance financing approval strategies, effectively serving a diverse range of clients, including large enterprises and small businesses [3]. Green Finance - The bank is committed to supporting green, low-carbon, and circular economies, aiming to establish itself as a recognized green financial brand [4]. - Hengfeng Bank has launched innovative products like the first knowledge property-linked "water-saving loan" and a carbon finance solution to prioritize resource allocation to green sectors [4]. Pension Finance - Hengfeng Bank is building a comprehensive pension finance ecosystem, focusing on enhancing its brand competitiveness and establishing a value chain for pension finance [5]. Inclusive Finance - The bank has increased its support for small and micro enterprises, with inclusive loans growing at 13.29% and agricultural loans at 18.60% [6]. - The average interest rate for inclusive loans has decreased by 32 basis points, while loans for small manufacturing and technology enterprises have surged by 53.15% and 56.53%, respectively [6]. Digital Transformation - Hengfeng Bank is advancing its digital transformation by establishing a digital banking innovation lab and enhancing its risk control systems [7]. - The bank aims to integrate data processes with business and technology to improve service quality [7]. Technology Finance - The bank focuses on the financial needs of technology innovation enterprises through various financing methods, including specialized credit products and partnerships with research institutions [8]. - Hengfeng Bank actively supports major national technology projects to facilitate the transformation of technological achievements [8]. Future Outlook - Hengfeng Bank plans to deepen its commitment to the national financial strategy, enhance green finance, improve pension services, and expand inclusive finance [10]. - The bank aims to leverage technology to empower financial services and support high-level technological self-reliance, contributing to China's modernization efforts [10].