Breaking Down Hua Xia Bank Co., Limited Financial Health: Key Insights for Investors

Founded in 1992 and headquartered in Beijing, Hua Xia Bank Co., Limited (600015.SS) has grown into a major commercial bank offering personal and corporate banking, investment and wealth management, boasting total assets of about RMB 2.05 trillion as of 2024 and a stable capital adequacy ratio of 14.5%; its mission to deliver high-quality, personalized financial solutions-backed by a focus on risk management, green finance and social responsibility-has driven digital banking transactions up 35% in 2022, earned recognitions such as 'Best SME Finance Bank' (2011), and underpins a vision to become a distinctive, competitive national joint-stock bank concentrated on regional strongholds (Beijing-Tianjin-Hebei, Yangtze River Delta, Greater Bay Area) while aligning with the UN SDGs and China's climate commitments, inviting you to explore how its core values of integrity, standard and harmony translate into concrete services, innovation and sustainable growth for clients and communities

Hua Xia Bank Co., Limited (600015.SS) - Intro

Hua Xia Bank Co., Limited (600015.SS), established in 1992 and headquartered in Beijing, is a major commercial bank in China offering personal and corporate banking, investment, and wealth management services. As of 2024 the bank reported total assets of approximately RMB 2.05 trillion, a stable capital adequacy ratio of 14.5%, and a broad combination of physical branches and digital platforms to serve retail, SME and corporate clients. The bank is recognized for innovation and customer service, including awards such as 'Best SME Finance Bank' (2011).

• Deliver inclusive, responsible and technology-driven financial services to individuals, SMEs and corporates across China.
• Create long-term value for stakeholders through prudent risk management and sustainable growth.
• Foster financial inclusion by expanding access to credit and tailored banking solutions.

• To be a leading, customer-centric commercial bank known for digital innovation, operational resilience and contribution to China's economic development.
• To integrate finance and technology to provide seamless, personalized experiences while maintaining strong capital and asset quality.

• Integrity: Uphold transparent governance and compliance across all operations.
• Customer Focus: Prioritize client needs with customized, high-quality service.
• Innovation: Invest in digital platforms and fintech partnerships to enhance efficiency and product reach.
• Prudence: Maintain disciplined risk controls and capital strength.
• Responsibility: Support sustainable finance and community development initiatives.

• Retail banking: deposits, mortgages, personal loans, wealth management.
• Corporate banking: working capital, trade finance, syndicated loans.
• Investment banking: advisory, bond issuance and structured products.
• Digital banking: mobile apps, online account services and fintech integrations.

Hua Xia Bank Co., Limited (600015.SS) - Overview

• Mission: Provide personalized financial solutions to enhance customer well‑being and foster long‑term client relationships.
• Vision: Be a client‑centric, digitally enabled commercial bank that contributes to sustainable economic development.
• Core values: customer focus, integrity, risk awareness, innovation, and social responsibility.

• Digital-first customer engagement: mobile, online and API-enabled services prioritized to meet evolving expectations; digital transaction volume increased 35% in 2022, reflecting accelerated adoption.
• Risk controls and capital discipline: stringent credit review and portfolio diversification are core to protecting asset quality; NPL ratio maintained near industry mid‑single digits (~1.3%).
• Sustainable and social initiatives: financing for low‑income housing, rural integration and green projects is embedded in lending strategy to balance growth with social impact.

• Personalized banking - segmentation, advisory and bespoke product suites for retail and SME clients.
• Corporate solutions - supply‑chain finance, trade services, and cash management tailored to corporate lifecycles.
• Green finance - priority support for energy‑efficient projects and environmentally beneficial infrastructure.
• Compliance & governance - centralized controls, regular stress testing and capital planning to safeguard stakeholders.

• Digital adoption rate and transaction growth (digital transactions +35% in 2022).
• Asset quality metrics (NPL ratio ~1.3%).
• Capital adequacy (CET1 ratio ~10.8%).
• Social finance commitments and project counts (ongoing tracking of low‑income housing and rural integration financing).

Hua Xia Bank Co., Limited (600015.SS) - Mission Statement

• Provide comprehensive financial services to individuals, SMEs, and corporates to bolster economic vitality.
• Support Chinese-style modernization by financing infrastructure, green transition, and innovation-driven industries.
• Embed environmental, social and governance (ESG) principles into core banking operations and product design.

• Establish new regional strongholds in the Beijing-Tianjin-Hebei (Jing-Jin-Ji) area, the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater Bay Area.
• Transform into a modern financial group with scale, resilience, and service excellence across wholesale, retail, and digital channels.
• Advance Chinese-style modernization through targeted financing of infrastructure, manufacturing upgrading, urban renewal, and livelihood projects.
• Align corporate strategy with global sustainability frameworks and national climate goals to become a Climate-Friendly Bank of China.

• No Poverty (SDG 1): targeted microfinance, inclusive credit products, and poverty-alleviation lending in designated regions.
• Good Health and Well-being (SDG 3): financing for healthcare infrastructure, medical technology firms, and public health projects.
• Affordable and Clean Energy (SDG 7): green lending, renewable energy project financing, and energy-efficiency mortgages.
• Paris Agreement & China's carbon peak/carbon neutrality: deploying sustainable finance frameworks, green bond issuance, and portfolio decarbonization pilots.

• Customer-centricity - design products and channels around client needs, with emphasis on SME and retail inclusivity.
• Prudence and risk discipline - maintain asset quality, capital adequacy, and disciplined credit underwriting.
• Innovation and digitalization - expand fintech capabilities, digital service penetration, and data-driven risk management.
• Sustainability and responsibility - integrate ESG into balance-sheet management, product lifecycles, and corporate governance.
• Regional focus with national reach - deepen footprints in Jing-Jin-Ji, Yangtze River Delta, and Greater Bay Area while serving broader national needs.

• Build sectoral financing platforms for green energy, advanced manufacturing, and urban renewal to support the transition to low-carbon growth.
• Scale sustainable finance products - green bonds, sustainability-linked loans, and tailor-made SME green credit lines.
• Enhance digital banking and open-banking partnerships to increase efficiency and customer engagement while lowering unit costs.
• Strengthen capitalization and liquidity buffers to support expansion and absorb macroeconomic volatility.

Hua Xia Bank Co., Limited (600015.SS) - Vision Statement

• Integrity: Upholding ethical conduct, transparent governance, and regulatory compliance at all levels.
• Standard: Pursuing operational excellence, process standardization, and measurable performance benchmarks.
• Harmony: Balancing stakeholder interests-clients, employees, shareholders, and communities-through inclusive practices.
• Customer Orientation: Designing product suites and service journeys that prioritize client outcomes and experience.
• Social Responsibility: Integrating sustainable finance, community investment, and poverty-alleviation initiatives into core strategy.
• Inclusivity & Sustainability: Expanding financial access while aligning credit and investment decisions with environmental and social standards.
• Innovation: Investing in fintech, data analytics, and digital channels to boost efficiency and personalise services.
• Risk Management: Maintaining conservative provisioning, diversified funding, and robust capital buffers to protect stakeholders.

• Customer-centric metrics: expanding retail deposit base, growth in wealth-management AUM, and rising digital penetration rates (mobile/online active users up year-over-year).
• Risk posture: maintaining low single-digit NPL ratios, elevated provision coverage, and steady capital ratios to absorb credit cycles.
• Sustainability: increasing green lending and ESG-linked loan facilities, with targets to scale sustainable credits and reduce carbon intensity in financed portfolios.