Time is the pen, and mountains and rivers are the scroll. This year marks the 20th anniversary of the concept that "lucid waters and lush mountains are invaluable assets" and the 5th anniversary of my country's "dual carbon" target. Under the policy guidance of vigorously developing green finance, green has become a distinctive feature of high-quality economic and social development.
During the 14th Five-Year Plan period, Bank of China continued to innovate green products and services, optimize its credit structure, and continuously improve its green financial service system, taking concrete actions to help the comprehensive green transformation of economic and social development and inject a continuous stream of financial vitality into the construction of a beautiful China.
Strategic guidance outlines a "blueprint" for the development of green finance.
Bank of China has always aimed to be the "preferred bank for green financial services," continuously strengthening its top-level design and deeply integrating the concept of green development into every aspect of the group's operation, management, and business development. With a sound system and resource guarantee, it has laid a solid foundation for the development of green finance.
A sound institutional guarantee system has been established. By formulating the "Bank of China's 14th Five-Year Plan for Green Finance," the "Bank of China's Green Finance Action Plan," and a series of green finance policy systems such as "1+1+N," the Bank of China has formed a policy support package covering 13 aspects, including strengthening performance evaluation and incentives, optimizing economic capital cost management, and differentiated authorization. This has clarified the "timetable" and "roadmap" for the development of green finance and built the "four pillars and eight beams" of the green finance policy system.
Strengthening comprehensive business management. On the one hand, Bank of China has successively launched three phases of its green finance management system project, building an automated and intelligent innovative management system to enhance green finance with the power of technology. On the other hand, it properly manages customers' ESG risks, strengthening the whole-process management of customers' ESG risks from aspects such as risk identification, measurement, assessment, monitoring and reporting, control and mitigation.
Innovation empowers the creation of a green finance "product matrix"
As the most globalized Chinese bank, Bank of China leverages its global service network and expertise in green finance to continuously innovate financial products and services, contributing to the coordinated advancement of carbon reduction, pollution reduction, green expansion, and growth.
Green loans are growing rapidly. Based on the national strategy of green development, Bank of China has continuously increased its support for green credit. As of the end of the third quarter of 2025, Bank of China's outstanding green loans exceeded RMB 4.6 trillion, an increase of over RMB 3.5 trillion from the beginning of the 14th Five-Year Plan period, representing a growth rate of over 400%; the proportion of green loans was 22.7%, an increase of over 15 percentage points from the beginning of the period.
The Bank of China has achieved remarkable results in green bond issuance. For many years, it has actively built a comprehensive green finance service system, establishing a multi-currency, multi-market, international, and multi-dimensional integrated green bond system. As of the end of the third quarter of 2025, during the 14th Five-Year Plan period, the cumulative underwriting and issuance of domestic green bonds exceeded RMB 1.3 trillion, ranking first among banking institutions in bond market underwriting for five consecutive years; the cumulative underwriting and issuance of overseas green bonds exceeded USD 130 billion, ranking first among Chinese banks in Bloomberg's "Global Offshore Green Bonds" ranking, demonstrating its long-standing and stable position in the green bond trading market.
Collaborative efforts are writing a beautiful new chapter in green finance.
Leveraging its global service network, Bank of China continues to build the “BOC Green+” global brand, deepen international cooperation in green finance, take proactive measures in the field of global green governance, and empower global sustainable development.
Deepening cooperation and exchange in green finance. Through active participation in domestic and international green mechanisms, Bank of China is deeply involved in transition finance standards, biodiversity standards, and carbon market development, committed to sharing green finance research findings and development opportunities globally, and amplifying its voice on the international stage. To date, Bank of China has signed or participated in more than 10 green and ESG-related initiatives and mechanisms, including the UN Principles for Responsible Banking (PRB) and the Belt and Road Green Investment Principles (GIP). It also became the first Chinese financial institution to formally join the Working Group on Nature-Related Financial Disclosures (TNFD), a move included in the outcome document of the 11th China-UK Economic and Financial Dialogue.
Building the "BOC Green+" global brand. Focusing on the needs of green development, Bank of China has launched dozens of green financial products and services across five categories, covering multiple areas such as insurance, wealth management, funds, and leasing, continuously consolidating and enhancing the "BOC Green+" global brand. Simultaneously, it actively participates in international benchmark green projects, ranking first among Chinese banks in Bloomberg's "Global Green UoP Loans," "Global Sustainability-Linked Loans," and "Global Green Loans Principles Loans" rankings for many years, highlighting its brand influence.
Bank of China will continue to enrich its green finance toolbox, using the "green content" of finance to continuously empower the "gold content" of green development, and contribute more to building a beautiful China.
