Core Viewpoint - Xiamen International Bank positions green finance as a strategic core, establishing a comprehensive and multi-level green finance service system, becoming a pioneer "green bank" among city commercial banks in the context of global green transformation [1] Group 1: Strategic Framework - The bank integrates green finance into its overall strategy, issuing the "Green Finance Overall Development Guidelines (2021-2025)" with a focus on innovation, coordination, green development, openness, and sharing [2] - A four-level management system is established, including the board of directors, strategic committee, green finance leadership group, and branch green finance service centers, ensuring coordinated efforts across departments [2] - In 2024, the bank plans to optimize its organizational structure by establishing a green finance committee and creating the first "green branch" in Nanjing [2] Group 2: Service Innovation - The bank implements a differentiated service strategy in green finance, developing innovative products tailored to local and small enterprises, enhancing service levels [3] - By the end of 2024, the bank has issued nearly 800 million yuan in loans to enterprises in the Xiamen green financing enterprise database, significantly reducing financing costs through fiscal subsidies [3] - A case study highlights a technology company receiving a 30 million yuan green syndicate loan, with a fixed financing cost of 2% after fiscal subsidies, projected to generate an annual output value of 400 million yuan [3] Group 3: Sector-Specific Development - The bank focuses on specialized industries, launching the KEB concept for industrial finance, covering 22 green sectors such as photovoltaics, energy conservation, and green building materials [4] - Interest rates are linked to carbon reduction metrics, allowing for rate reductions if companies meet or exceed 100% completion rates [4] - The bank's Fuzhou branch supports shipbuilding companies with specialized loans for overseas business expansion, while the Zhuhai branch explores financial services for marine ranching [4] Group 4: Cross-Border Collaboration - The bank leverages its cross-border financial advantages, integrating green concepts with cross-border investments to promote high-quality green finance development [5] - A strategic cooperation agreement with the Global Financial and Technology Network (GFTN) in Singapore aims to enhance cross-border green finance collaboration [6] - The bank participates in the largest sustainable performance-linked syndicate loan in the Asia-Pacific region, supporting cross-border low-carbon business development [6] Group 5: Digital Transformation - As the first local bank in Xiamen to launch a green finance system, the bank develops a comprehensive service platform called "Green Finance通" utilizing AI and big data for intelligent business identification and risk warning [7] - By the end of 2024, the platform has recognized over 300,000 green business transactions, saving more than 1,000 man-hours per month [7] - The bank also introduces a "green finance section" in its mobile banking app, promoting low-carbon travel and offering online products with quick approvals and favorable rates [7]