The "14th Five-Year Plan" period is a crucial five years for my country to seize the momentum and embark on a new journey of building a modern socialist country in all respects and march toward the second centenary goal.
Faced with the rapidly evolving global landscape and the arduous tasks of reform and development, China Everbright Bank has fully implemented the spirit of the 20th National Congress of the Communist Party of China and its subsequent plenary sessions. It has firmly grasped the political and people-oriented nature of financial work, fully, accurately, and comprehensively implemented the new development philosophy, adhered to the fundamental purpose of financial services supporting the real economy, and focused on five key areas in finance. By upholding integrity and strengthening its foundation for development, and by stimulating internal growth through innovation, the bank has taken proactive and precise actions in major areas such as serving national strategies, supporting high-level technological self-reliance, promoting green and low-carbon transformation, and contributing to common prosperity.
Over the past five years, China Everbright Bank has made solid progress in high-quality development, with its comprehensive strength continuously enhanced, governance efficiency significantly improved, risk defenses strengthened, and its brand image increasingly prominent. It has delivered a financial report card for the 14th Five-Year Plan period that is in line with the pulse of the times, fulfills its responsibilities, and is deeply committed to serving the people.
Serving the real economy:
Upholding our original aspiration and mission demonstrates our primary responsibility and commitment
The real economy is the foundation of finance, and finance is the lifeblood of the real economy. As a major force in financial services for the real economy, China Everbright Bank adheres to its original aspiration of "serving the country through finance," closely follows national strategies, focuses on its core responsibilities and main businesses, and makes precise efforts in areas such as serving major strategies, activating inclusive finance, and improving people's well-being, injecting strong momentum into the high-quality development of the real economy.
In serving national strategies, China Everbright Bank deeply integrates its services for major projects with regional coordinated development, increasing lending in key areas such as "new infrastructure" and the Beijing-Tianjin-Hebei region and the Yangtze River Delta, and innovating its service models. The bank has established a flexible industry team to promote the integration of marketing guidance, credit policies, and other measures to improve service precision, efficiently providing credit support to key areas, and effectively guaranteeing resource supply through special credit programs and the "Red Star Program." During the 14th Five-Year Plan period, China Everbright Bank provided financial services to over 300 key national projects in 22 batches, with the largest single loan to the computing equipment industry exceeding 3 billion yuan.
China Everbright Bank will contribute to the integration of a modern comprehensive transportation system with regional development strategies, having invested over 200 billion yuan in highways, railways, and urban public transportation during the 14th Five-Year Plan period. Among these projects, the Beijing-Shanghai High-Speed Railway, a key national project, is the world's longest high-speed railway built in a single phase and boasts the highest technical standards. The bank opened a green channel, efficiently completing all business processes including approval, account opening, pricing, and loan disbursement, achieving the project's rapid implementation in just three weeks. It has already disbursed over 8 billion yuan in loans to this project, effectively supporting the construction of this major national project.
China Everbright Bank actively supports technological innovation to drive the development of new-quality productivity, providing credit support to over 12,000 technology-based enterprises during the 14th Five-Year Plan period. As of the end of September 2025, the bank's outstanding loans to technology-based enterprises exceeded 690 billion yuan. The bank innovates its financial service models, using products such as "investment-linked loans," "specialized and innovative loans," and "intellectual property pledge loans" to support the development of specialized, innovative, and technology-based small and micro enterprises.
Leveraging the comprehensive financial licenses of the China Everbright Group and fully utilizing the group's synergistic resources, China Everbright Bank adheres to the service philosophy of "One Customer, One Everbright." Notably, it tailored a comprehensive financing solution for a company involved in the construction of a national computing power network hub in the Beijing-Tianjin-Hebei region. Within nine months, it completed a series of integrated investment and commercial banking financial services, including strategic placement of corporate public REITs, equity investment in subsidiaries, and underwriting and investment in technology innovation bonds. This has continuously injected new momentum into the national "Eastern Data, Western Computing" strategy and the coordinated development strategy of the Beijing-Tianjin-Hebei region.
Practicing "dual carbon" goals is the mission of financial institutions. China Everbright Bank integrates green finance into its development strategy, improves its organizational structure and risk control system, focuses on supporting green building and energy transition, and promotes innovative products such as carbon finance. The bank has built a "1+4+N" green finance system, implementing products such as "carbon reduction loans," carbon sink pledges, and sustainability-linked loans. For example, a company in Jiangxi province converted forestry resources into financing assets through its first future carbon sink revenue rights pledge loan. As of the end of September 2025, China Everbright Bank's outstanding green loans reached 456.61 billion yuan, an increase of 345.918 billion yuan during the 14th Five-Year Plan period, representing a growth rate of 333.50%.
Small and micro enterprises are the "capillaries" of the real economy. China Everbright Bank leverages technology to empower inclusive finance, addressing the challenges of "difficult and expensive financing." In recent years, it has developed a "3+1+N" online product system, including automated approval products such as the "Specialized and Innovative Enterprise Loan" and the "Technology e-Loan." For example, a specialized and innovative cable company in Zhengzhou urgently needed funds to expand production. The Zhengzhou branch disbursed 10 million yuan in less than a week through the "Specialized and Innovative Enterprise Loan," a fully online process. As of the end of October 2025, the outstanding balance of the "3+1" product loans was 22.862 billion yuan; the outstanding balance of the branch's special "N" product loans was 1.391 billion yuan.
In the field of supply chain finance, China Everbright Bank serves over 20,000 clients, nearly 3,000 high-quality industrial chains, and has a business balance of nearly 600 billion yuan. The bank has innovated its e-series supply chain products, covering the entire supply chain from production to sales. Products such as "Sunshine e-Payment" enable single-transaction financing of 500,000 yuan to be credited within two hours. Through the construction of a system platform, the fastest connection with a single core enterprise is within one month. For Hangzhou WX Group, China Everbright Bank used "Sunshine e-Payment" as a starting point, forming a dedicated team to meet their needs with the efficiency of "same-day application, two-hour arrival."
China Everbright Bank is using finance to support rural revitalization, launching the "Thousand Sails Plan" to develop agricultural supply chain finance and implementing the "Ten Thousand Agricultural Machinery Renewal Plan." As of the end of October 2025, the outstanding balance of agricultural machinery loans exceeded 1.8 billion yuan. Focusing on food security and seed industry revitalization, a special program was launched in 2022, and to date, loans in the food sector have increased by more than 50%, while the scale of seed industry loans has doubled.
To meet the people's needs for a better life, China Everbright Bank has been deeply involved in areas such as elderly care finance and consumer finance. As one of the earliest commercial banks in China to develop elderly care finance, the bank has systematically constructed the "12345" project for elderly care finance, launched the "He Guang Yi Xiang" elderly care finance brand, and created a five-in-one service system encompassing "one card, one set of products, one set of special services, one series of age-friendly services, and one team." In October 2025, the bank took the lead in the industry to launch a comprehensive "finance + medical care, health and tourism" service, using the "Yi Xiang Sunshine Card" as a carrier to integrate 13 value-added services, including preferential rates for admission to elderly care institutions under the Everbright Group, special offers on travel routes, and discounts on medicine purchases. Addressing the elderly care needs of different age groups—"Respecting Youth, Respecting Struggle, Respecting Responsibility, and Respecting the Passage"—the bank has created the "Yi Xiang Wealth" product system, establishing a dual-shelf system of "Personal Pension Products" and "Comprehensive Elderly Care Financial Products," with over 1,000 products launched to meet the diverse needs of customers. In its strategic layout for the elderly care industry, China Everbright Bank actively implements policies on service consumption and elderly care re-lending, reducing financing costs for elderly care clients through distinctive inclusive products such as "Government Procurement Loans" and "Everbright Quick Loans." It leverages finance to empower multiple financial scenarios, including national-level smart elderly care pilot projects, integrated elderly care communities, intelligent nursing equipment, and senior dining halls. In October 2025, the bank held its second "Everbright Respect for the Elderly Service Month" event, conducting nearly 1,500 elderly care financial activities nationwide, continuously conveying the warmth and responsibility of "finance for the people."
In the consumer finance sector, China Everbright Bank aims to meet diverse consumer demands by continuously innovating product offerings, deepening scenario integration, and strengthening technological empowerment. Focusing on goods consumption, service consumption, and new types of consumption, the bank promotes innovation and process optimization in personal consumer loan products; enhances the user experience and accessibility of consumer financing services by developing features such as interest subsidies, increased credit limits, and reduced interest rates; and, under the premise of controllable risk, increases lending efforts, improves automated approval capabilities, and rationally sets credit limits, terms, and interest rates to increase the supply of consumer finance to county-level markets and new urban residents.
Transition to wealth management:
Innovation-driven breakthroughs forge core competitiveness
Driven by both the deepening of financial supply-side structural reforms and the continuous upgrading of residents' wealth management needs, wealth management has become a core track for the high-quality development of commercial banks. Following this trend, China Everbright Bank, with "finance for the people" as its fundamental philosophy and customer needs as its core orientation, is fully promoting its strategic transformation from "product sales" to "wealth management." By building a comprehensive wealth management framework and activating development momentum through digital transformation, it is achieving a leapfrog breakthrough in building core competitiveness in wealth management.
Building a comprehensive wealth management framework begins with a profound transformation in retail customer operations. China Everbright Bank has broken away from the traditional "product-centric" model, establishing a core strategy of "customer-centricity." Focusing on the needs of customers throughout their entire lifecycle, the bank has driven a dual leap in both retail customer assets under management (AUM) and customer experience through tiered and segmented operations, digital empowerment, and channel synergy. Data shows that since 2025, China Everbright Bank's retail AUM has steadily surpassed the 3 trillion yuan mark, with a compound annual growth rate exceeding 10% over the past five years.
Guided by a customer strategy focused on "tiered segmentation, data-driven approaches, channel collaboration, and transaction conversion," China Everbright Bank's customer management system has become increasingly refined. Its integrated online and offline channel service capabilities have been continuously enhanced. The mobile banking and cloud payment apps form the core carriers of its open wealth management ecosystem. Coupled with intelligent service upgrades and the professional development of its wealth management team, a service network covering all customer scenarios has been formed. With "financial + non-financial" integrated services as its core, China Everbright Bank actively introduces leading institutions and specialized enterprises to build a content operation system. Through innovative methods such as video cloud counters, digital assistants, and wealth management manager mini-stores, it creates efficient and convenient service scenarios.
A comprehensive product system is the core support for wealth management services. As the first bank to launch RMB wealth management products, the brand slogan "For wealth management, go to Everbright" has long been deeply rooted in people's minds. In recent years, Everbright Bank has further developed its trustworthy and more professional "Sunshine Wealth" brand business, based on the two major product lines of "Sunshine Wealth Management" and "Sunshine Gold Selection," closely following national policies and market demands, continuously enriching its product offerings, and building a net asset value-based product matrix covering diverse business formats such as wealth management, funds, insurance, and trusts. "Sunshine Wealth Management" highlights its distinctive heritage, focusing on the integration of asset management and wealth management, building industry-leading capabilities in investment research value creation, technology application, and brand influence, continuously improving and upgrading the "Seven-Colored Sunshine Wealth Management" product system, keeping up with changes in the wealth management market, driving innovation, deepening the competitiveness of characteristic products such as pensions, promoting the deep integration of products with customers' life scenarios, and continuously improving the investor service experience through product function iteration and optimization. As of the end of October 2025, it had served nearly 10 million customers. In response to the customized needs of high-net-worth clients, China Everbright Bank has systematically restructured its net asset value product selection system under its core brand "Sunshine Wealth" and launched the sub-brand "Sunshine Gold Selection". Relying on the CPI three-dimensional product selection system, it achieves precise product selection that is "predictable, explainable, and replicable". Combined with digital asset allocation tools such as wealth ladder and public fund portfolio diagnosis, it provides customized comprehensive solutions for high-net-worth clients, serving a total of 1.17 million clients.
Digital transformation is the core engine driving the change in wealth management. China Everbright Bank integrates technology into the entire wealth management process, significantly enhancing its intelligent service capabilities through continuous iteration and upgrades of its mobile banking and Sunshine Life apps. As the core operating platform for wealth management, the mobile banking app adheres to an iterative pace of "minor updates monthly and major updates annually," gradually building a comprehensive "wealth+" financial service system, upgrading from a basic transaction channel to the main battleground for retail customer management.
The deep application of big data and AI technologies has made wealth management services more intelligent. China Everbright Bank has comprehensively upgraded its digital customer service capabilities through technologies such as NLP, knowledge graphs, and deep learning. In terms of customer insight, based on collaborative computing of large and small models, it has achieved intelligent screening and integration of over 2,000 customer tags, developed predictive algorithms for reach preferences and churn warnings, and promoted the upgrade of customer profiles from static to predictable, three-dimensional profiles. In the field of precision marketing, it has built personalized recommendation models for 54 major product categories such as deposits and wealth management, achieving precise matching of needs across multiple channels such as mobile banking and cloud payment. As of the end of October 2025, the overall marketing success rate has increased by 29% compared to the traditional manual approach.
The development of robo-advisory services enables comprehensive wealth management throughout its entire lifecycle. In the asset allocation phase, deep learning technology analyzes clients' multi-channel holdings data to intelligently generate wealth diagnostic reports. These reports, combined with market data and client preferences, assist wealth managers in developing professional asset allocation recommendations. As of the end of October 2025, the conversion rate of mobile banking wealth management purchases increased by approximately 11%, and the average monthly transaction amount reached through client-side and SMS channels reached 41.5 billion yuan, representing a year-on-year increase of approximately 18% in transaction volume.
The innovation of online and platform-based operation models has further improved service efficiency and coverage. After five years of exploration, China Everbright Bank has created an industry-first remote wealth management manager model that integrates strategy analysis and customer management. Relying on the online retail customer management platform (ISO system), it connects upstream with customer tags, behavioral data and model information, and achieves funnel-style, multi-wave outreach through 12 major channels such as mobile banking push, SMS and intelligent outbound calls.
Deepen digital empowerment:
Technology drives transformation and leads innovative development
In the wave of the digital economy, fintech has become a key support for commercial banks to build core competitiveness. China Everbright Bank, anchoring its digital transformation strategy, takes "technology as the foundation and innovation as the empowerment" as its core path. Through architectural restructuring, resource allocation, and in-depth technological development, it has built a solid digital "moat," allowing technological power to deeply penetrate the entire business process, improving service quality and efficiency while injecting lasting momentum into high-quality development.
China Everbright Bank has achieved remarkable success in technology application, with big data and artificial intelligence (AI) fully integrated into its business processes. Leveraging next-generation AI technologies such as big data models, it has built six types of AI-powered intelligent assistants to enhance efficiency across multiple business processes, including marketing, risk control, operations, and customer service. First, there's the Credit Investigation Report Writing Assistant, which currently serves over 2,300 account managers across the bank, generating over 10,000 reports, each approximately 80-100 pages long with an average generation time of about 5 minutes. Second, there's the Risk and Compliance Assistant, providing bank-wide policy Q&A, interpretation, comparison, and analysis services. Third, there's the "AI+BI" Question and Data Assistant, enabling users to query business indicators through Q&A, achieving one-stop, convenient data query applications. Fourth, there's the Remote Banking Service Assistant, providing full-process support for outbound calls, including pre-call customer demand prediction, real-time solution generation during calls, and intelligent summary feedback after hanging up, effectively improving service response speed. Fifth, there's the Operations Management Assistant, using RPA, edge computing, and other technologies to capture, upload, and analyze monitoring videos of branch inbound and outbound operations, automatically analyzing compliance in key business operations such as cash counting, upgrading manual spot checks to intelligent full checks. Sixth, there's the Wealth Management Manager Office Assistant, which has implemented nearly 30 functions such as intelligent text creation, outbound call script generation, and product interpretation, effectively improving the office efficiency of wealth management managers. At the same time, we have built an office process automation platform based on RPA technology, providing standard automated process processing capabilities to the entire bank and continuously promoting the large-scale application of RPA. As of the end of October 2025, RPA applications have covered 12 business areas, including operations management, retail lending, and asset custody, and have been implemented in more than 1,600 application scenarios such as customer identification, account judicial inquiry, and anti-money laundering reporting. Robots have replaced humans in performing tasks more than 2.7 million times per year.
Since 2022, China Everbright Bank's intelligent anti-fraud platform has connected with more than ten channels, covering dozens of application scenarios, and established over one hundred monitoring models. Through continuous optimization of rules and strategies, it has achieved an intelligent prevention and control system that enables cross-channel joint prevention and centralized management. The customer risk early warning system, built based on internal and external data from industry and commerce, judiciary, and other sources, has developed differentiated early warning mechanisms for technology companies and SMEs, cumulatively reducing risk assets by hundreds of billions of yuan. The newly added intelligent health check function for credit customers has also greatly improved the risk management capabilities of frontline account managers. Data governance efforts under the new capital regulations have also yielded remarkable results, completing source governance and system transformation of dozens of indicators, cumulatively reducing risk assets by hundreds of billions of yuan and saving billions of yuan in capital cost expenditures.
The power of technology is not only reflected in internal management but also widely applied to the "five major areas" of finance and public services. For example, in fintech, based on factors such as corporate R&D investment and combined with big data from multiple sources, a specialized risk value assessment model has been established, along with a credit granting and marketing whitelist mechanism. As of the end of October 2025, nearly 3,000 new customers had been added, and the outstanding credit balance increased by over 100 billion yuan. In green finance, by establishing a database of green enterprises and projects, optimizing classification and identification tools, and constructing a multi-dimensional green evaluation system, the development of intelligent monitoring and stress testing models for climate risk has been promoted, helping to accurately prevent and control green risks. In inclusive finance, data from electricity and social security has been used to improve online anti-fraud and post-loan early warning mechanisms, supporting applications in 29 online scenarios, with an outstanding loan balance reaching 24.4 billion yuan. In pension finance, behavioral data analysis is used to uncover customer needs and accurately push product information, reaching approximately 80,000 customers and driving pension insurance sales to 81.81 million yuan. In consumer finance, a series of digital credit products have been launched through cooperation with leading internet platforms.
As a pioneer in RMB wealth management products, China Everbright Bank is committed to creating an inclusive product portfolio, bringing together wealth management products from fourteen partners and launching over a thousand products with a minimum investment of just one yuan, allowing more people to share in the opportunities for wealth growth. Facing the trend of a recovering capital market, China Everbright Bank launched a "7+" fixed-income + wealth management system, encompassing seven strategies including dividends and convertible bonds, with assets under management exceeding 140 billion yuan. Simultaneously, to meet the personalized needs of customers, it has innovatively launched a series of distinctive products such as "Target Profit" and "Sunshine Gold Self-Selection Plan," as well as various fixed-investment models such as Target Investment and Popularity Investment, striving to find the optimal balance between liquidity and yield.
Practicing finance for the people:
The spirit of universal warmth demonstrates responsibility and commitment.
The essence of finance is to serve the real economy, and its core is to uphold the original aspiration of "finance for the people." China Everbright Bank has always integrated social responsibility into its development, focusing on the pain points of people's livelihood services, the needs of special groups, and social welfare undertakings. By extending financial services to the "last mile," accurately addressing the needs of special groups, and deeply integrating into the public welfare framework, it ensures that the warmth of inclusive finance reaches every corner.
In the area of public services, China Everbright Bank focuses on the elderly population, promoting age-friendly renovations through both online and offline channels. Online, its mobile banking app launched a "Simple Love Version," based on the concept of "simplicity is care," featuring large fonts and a clean interface, and prioritizing video customer service access. The 95595 "Everbright Years" hotline has optimized its service process, quickly identifying the needs of elderly customers and providing instant transfer to human agents for customers over 60; remote video services offer screen sharing and operation guidance. Offline, China Everbright Bank has achieved 100% age-friendly renovations across its nationwide branches, optimizing the service environment for seniors through measures such as building barrier-free access, upgrading smart devices with large fonts, and setting up special service windows. Building on this, it has established 64 "Elderly Financial Service Centers" covering 39 branches. To strengthen financial education, the bank has partnered with senior universities, senior apartments, and community centers to establish "Age-Friendly Financial Education Bases," conducting public awareness campaigns and organizing "Sunshine Consumer Protection Ambassadors" to disseminate anti-fraud knowledge. Simultaneously, it has formulated the "Age-Friendly Service Work Plan" and the "China Everbright Bank Age-Friendly Service Work Guidelines," clarifying service standards.
Focusing on convenient payment scenarios, China Everbright Bank has built a service network centered on its "Cloud Payment" platform, achieving "omni-channel reach and full-scenario penetration." The platform currently integrates over 19,000 payment services and is available to more than 900 mainstream platforms, including the Digital RMB app and WeChat. In both 2024 and 2025, it served over 3 billion users.
Targeting specific groups such as farmers, rural residents, and farmers, China Everbright Bank addresses financing difficulties through product innovation and service extension. In 2023, it launched the "Huimin Loan" series of products, subdivided into categories such as Sunshine Planting Loans and Livestock Loans. The Nanning branch implemented special loans for sugarcane growers, and as of the end of October 2025, the "Huimin Loan" scale reached 2.339 billion yuan. Focusing on four major scenarios—agricultural guarantee, leading agricultural enterprises, etc.—it strengthened cooperation with agricultural guarantee institutions and state-owned farms, with agricultural guarantee business reaching 1.954 billion yuan. Simultaneously, it enhanced technological empowerment, optimized the functions of products such as the Nanchang Livestock Loan, and launched the Sunshine Huidan Loan, improving service efficiency through online application and rapid approval.
In the field of social welfare, China Everbright Bank has long been deeply involved in education, environmental protection, and elderly care. During the 14th Five-Year Plan period, it focused on promoting group-specific poverty alleviation projects and public welfare projects such as the "Mother's Water Cellar" project, and actively participated in natural disaster relief donations. By creating diversified public welfare projects and strengthening the construction of its volunteer team, the bank closely integrates corporate development with social value.
From meticulously optimizing services for the elderly to widely expanding convenient payment options, from targeted agricultural finance to continuous dedication to public welfare, China Everbright Bank practices the "finance for the people" philosophy through diversified initiatives. Looking ahead, the bank will continue to focus on people's needs, deepen inclusive finance innovation, and make financial services more humane and accessible, contributing even greater financial strength to improving people's well-being and promoting harmonious social development.
The greatest truths are the simplest, and practical action is essential. The Fourth Plenary Session of the 20th CPC Central Committee made strategic plans for accelerating the construction of a financial powerhouse during the 15th Five-Year Plan period, outlining a grand blueprint for the development of my country's financial sector in the new era, and providing fundamental guidance and a roadmap for the high-quality development of the banking industry.
China Everbright Bank will always adhere to the Party's overall leadership as a fundamental guarantee, firmly grasp the political and people-oriented nature of financial work, fully, accurately, and comprehensively implement the new development philosophy, and unswervingly follow the path of financial development with Chinese characteristics. Standing at a new stage and anchoring new goals, the entire bank will adhere to the general principle of seeking progress while maintaining stability, maintain strategic focus, strengthen confidence in victory, accurately identify changes, scientifically respond to changes, and proactively seek changes, effectively implementing all strategic tasks and major initiatives of the "15th Five-Year Plan" period.
China Everbright Bank will continue to focus on the "five major areas" of finance, further increasing its financial support for major national strategies, key areas, and weak links, and continuously stimulating new momentum for high-quality development. Focusing on a distinctive and differentiated development path, it will strive to build six distinctive business brands: "Transparent Science and Technology Innovation, Transparent Wealth Management, Everbright Cloud Payment, Transparent Bank of Communications, Transparent Investment Banking, and Transparent Gold Market," fully leveraging its professional advantages, enhancing its comprehensive financial service capabilities, and actively exploring a new paradigm of differentiated development for joint-stock banks.
At the same time, we will coordinate development and security, adhere to our core responsibilities and main business, continuously improve corporate governance, and comprehensively enhance our core capabilities in customer service, integrated operations, technological support, talent development, and risk management. We will steadfastly cultivate and promote a financial culture with Chinese characteristics, strengthen our sense of responsibility, and effectively play our role as the main force in serving the real economy and the "ballast" function in maintaining financial stability.
Standing at a new historical starting point, China Everbright Bank will strive to write a new chapter in the development of finance with Chinese characteristics with a more vigorous attitude and a more pragmatic style, and contribute solid Everbright strength to the comprehensive advancement of the construction of a strong country and the great cause of national rejuvenation through Chinese-style modernization.
(Data source: China Everbright Bank)
