Core Insights - Xiamen International Bank's Xiamen branch focuses on supporting the construction of a marine strong city, providing financial backing for marine industries and regional green industry development, with a green finance loan balance expected to grow over 10% by the end of October 2025, and loans to marine-related enterprises increasing nearly 38% [1] Group 1: Green Finance Initiatives - The bank has established a comprehensive green finance service system guided by "professionalization, scenario-based, and digitalization," launching the "Green Finance Pass" digital platform that utilizes AI for automatic identification of green finance business and real-time environmental benefit assessment, with over 120,000 green finance transactions recognized [2] - The bank has introduced "carbon benefit-linked loans," where loan interest rates are tied to the carbon reduction achievements of enterprises, exemplified by a green manufacturing company that reduced financing costs by over 1 million yuan while generating approximately 5.718 million kWh of electricity annually and expected to reduce CO2 emissions by 19,137 tons over five years [2] Group 2: Collaboration with Government and Financial Tools - Xiamen International Bank collaborates with local government departments to implement green finance policies through measures like fiscal subsidies and joint enterprise databases, having joined various funds to provide preferential loan rates for enterprises in new energy shipping and marine environmental protection [3] - The bank has issued nearly 1.3 billion yuan in loans to enterprises in the Xiamen green financing enterprise database from January to October 2025 [3] Group 3: Tailored Financial Solutions for Marine Industries - The bank supports marine enterprises by providing customized financial service plans, addressing the common challenges of large investment scales, long cycles, and uncertain risks in the marine industry, with products like "Foreign Trade e-loan" and "Trade e-financing" for cross-border settlement and supply chain financing [4] - A specific case involved a marine blue enterprise that received a credit line of 70 million yuan through a "mortgage enhancement" scheme to support its operations, which had increased its oyster shell processing capacity from 100,000 tons to 250,000 tons [4] Group 4: Future Directions - The bank aims to enhance its green finance service capabilities and contribute to the construction of a national marine economic development demonstration zone, aligning with the marine power strategy [5]

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]