HengfengBankReportingandSelf-

AssessmentforPrinciplesfor

ResponsibleBanking(PRB)in2024

Principle1:Alignment

Wewillalignourbusinessstrategytobeconsistentwithandcontributeto

individuals'needsandsociety'sgoals,asexpressedintheSustainable

DevelopmentGoals,theParisClimateAgreementandrelevantnationalandregionalframeworks.

Businessmodel

Describe(high-level)yourbank'sbusinessmodel,includingthemaincustomersegments

served,typesofproductsandservicesprovided,themainsectorsandtypesofactivities

acrossthemaingeographiesinwhichyourbankoperatesorprovidesproductsandservices.Pleasealsoquantifytheinformationbydisclosinge.g.thedistributionofyourbank'sportfolio(%)intermsofgeographies,segments(i.e.bybalancesheetand/oroff-balancesheet)orbydisclosingthenumberofcustomersandclientsserved.

Response

HengfengBankisoneofthe12nationaljoint-stockcommercialbanks,with347branchesin15provinces(municipalities),including2specializedinstitutions,58branches(includingfirst-levelbranchesandsecond-levelbranches),and287sub-branchesandsub-offices.Asoftheendofthereportingperiod,thetotalassetsofthebankwereCNY1,535.33billion,withayear-on-yearincreaseof6.64%.Duringthereportingperiodof2024,thebankwasawardedthe"2023FinancialSupportforHubeiEconomicDevelopmentOutstandingContributionUnit","BestSupplyChainFinanceBank".OurSustainabilityLinkedLoanproductwonthe"ShandongProvinceSupportforHigh-qualityEconomicDevelopmentExcellentFinancialInnovationProductAward".Ourbankwasalsoawardedthe"ChinaCross-borderFinancialBenchmarkEnterpriseAward(GoldenRudderAward)-BestCross-borderFinancialGrowthBank","2024BankingESCPracticeModelCase"andotherhonorarytitles.

Asacomprehensivefinancialinstitution,HengfengBankhasadiversifiedbusinessportfolio,andthebankprimarilyengagesinCorporateBanking,RetailBanking,andInterbankbusiness,amongwhichourcorporatebankingbusinessincludescorporatefinancebusiness,institutionalfinancebusiness,inclusivefinancebusiness,transactionbankingbusiness,investmentbankingbusinessandassetmanagementbusiness.Ourretailbankingbusinessincludespersonalclientbusiness,retailconsumptionloans,wealthmanagementbusiness,

Linksandreferences

2024AnnualReportHengfengBankCo.,Limited.P89,P7-9

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2024AnnualReportHengfengBankCo.,Limited.P27-35

debitcard,creditcardbusinessandprivatebankingbusiness.Interbankbusinessincludesinterbankfinancebusiness,financialmarketbusinessandassetcustodybusiness.

Intermsofthenumberofcustomers,attheendofthereportingperiodin2024,HengfengBankhad6.46millionretailbankingcustomers,anincreaseof7.92%overthepreviousyear,ofwhichmobilebankingusersreached3.676million,anincreaseof0.37millioncomparedwiththeendofthepreviousyear,representingagrowthrateof11.12%.

Inaddition,thetotalamountofloansandadvancesissuedbyourbankin2024wasCNY861.134billion,anincreaseofCYN48.828billionfromthepreviousreportingperiod.Specifically,thebalanceofcorporateloanswasCNY725.629billion(accountingfor84.27%),anincreaseofCNY45.276billionfromtheendofthepreviousperiod;personalloanswereCNY129.450billion(accountingfor15.03%),anoverallincreaseofCNY8.643billionfromtheendofthepreviousyear.

2024AnnualReportHengfengBankCo.,Limited.P24-25

Intermsoftheindustrydistributionofloans,themainindustriesofourbank'sloansin2024areleasingandcommercialservices(27.85%),waterconservancy,environmentandpublicfacilitiesmanagementindustries(15.05%),construction(8.55%),realestate(8.27%),manufacturing(7.79%),wholesaleandretail(5.90%).Intermsofgeographicaldistribution,theoverallregionalstructureofourbank'sloanportfolioisrelativelystable,mainlydistributedineconomicallydevelopedregionssuchastheYangtzeRiverDeltaandtheBohaiRim.Attheendofthereportingperiod,theYangtzeRiverDeltaandtheBohaiRimaccountedfor69.84%ofouroutstandingloans,ofwhichtheYangtzeRiverDelta(35.51%)andtheBohaiRim(34.33%).Inaddition,thewesternregionaccountedfor14.54%,andthecentralregionandthePearlRiverDeltaaccountedforarelativesmallproportion.

oncmaers-easesecwcones:---------------------

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□Anyapplicableregulatoryreportingrequirementsonsocialriskassessments,e.g.on

Strategyalignment

Doesyourcorporatestrategyidentifyandreflectsustainabilityasstrategicpriority/iesforyourbank??Yes

□No

Pleasedescribehowyourbankhasalignedand/orisplanningtoalignitsstrategytobe

consistentwiththeSustainableDevelopmentGoals(SDGs),theParisClimateAgreement,andrelevantnationalandregionalframeworks.

Doesyourbankalsoreferenceanyofthefollowingframeworksorsustainabilityregulatoryreportingrequirementsinitsstrategicprioritiesorpoliciestoimplementthese?

□UNGuidingPrinciplesonBusinessandHumanRights

□InternationalLabourOrganizationfundamentalconventions

□UNGlobalCompact

□UNDeclarationontheRightsofIndigenousPeoples

?Anyapplicableregulatoryreportingrequirementsonenvironmentalriskassessments,e.g.

litiklifhih

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modernslavery-pleasespecifywhichones:PBOCGuidelinesonEnvironmentalInformationDisclosurebyFinancialInstitutions,theCBIRCGuidelinesonGreenFinancefortheBankingandInsuranceIndustries,theCBIRCOpinionsonStrengtheningtheSocialResponsibilityofBankingFinancialInstitutions,theMOFCorporateSustainabilityReportingStandards-BasicStandards(Trial),theMOFCorporateSustainabilityReportingStandards-BasicStandards,theChinaBankingAssociationGuidelinesonCorporateSocialResponsibilityforBanking

FinancialInstitutionsinChina,theShanghaiStockExchangeSelf-RegulationGuidelinesforListedCompanies,andtheHongKongStockExchangeEnvironmental,Socialand

GovernanceReportingGuide.

□Noneoftheabove

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Response

HengfengBanktakes"Quant-leaptoFirst-tierDigitalAgileBank"asitsstrategicvision,takes"Towardsprogress,Towardswell-being,Towardsbeauty"asourmission,takesbeinganenvironmentallyfriendlybankasourgoal,andactivelyexploresandadoptsgreenoperationmeasurements.HengfengBankrecognizesandgiveshighregardtotheUnitedNationsSustainableDevelopmentGoals(hereinafterreferredtoasthe"SDG"),theParisAgreement,andChina's"DualCarbonGoal"aswellasthehigh-qualitygreendevelopmentconcept.WebelieveourmissionandvisionarehighlyalignedwiththeSDGandthecontentandspiritoftheParisAgreement.Tobreakdown,webelievethestrategicalignmentisembodiedinthefollowingaspects:

Adheringtothedevelopmentconceptof"servingabetterlifewithsincerityandbuildingabeautifulChinawithprofessionalism",HengfengBankwillcontinuetoincreasefinancialsupportforthegreeneconomy,low-carboneconomy,andcirculareconomy,andstrivetobecomeagreenfinancialbrandbankandclimate-friendlyfinancialinstitutionwidelyrecognizedbycustomersandthemarket.Toachieveourgoal,thebankformulatedthe"ImplementationPlanforHigh-qualityDevelopmentofGreenFinance",whichclarifiedthedevelopmentplanforthenextfiveyears,anddeterminedtheoverallgoalofgreenfinancewhichis"highquality,excellentmechanism,andstrongbrand".

Theheadofficecontinuedtooptimizethegreenfinancemanagementstructurein2024,andincorporategreenfinanceandESGmanagementstructuresintothedecision-making,managementandexecutionlevels.Theheadoffice'sseniormanagementestablishedadeliberativeGreenFinanceCommittee,andmeanwhiletheheadoffice'scorporatefinancedepartmentestablishedaGreenFinanceCenter.Additionally,thegreenfinanceteamordedicatedofficepositionsweresetupineachbranchtoensureefficientcoordinationfromtheoverallmanagementtotheactualimplementation.

Asforbusinessfocusinthegreenfinancearea,HengfengBankfocusedoncarbonemissiontrading,cleanenergy,greenmanufacturing,infrastructureupgrades,environmentalgovernanceandecologicalrestoration.Hengfengalsofocusedonenrichinggreenproductsandboostingthegreeneconomy.ThebankachievedagreencreditbalanceofCNY83.8billion,anincreaseof37.74%fromthebeginningofthereportingperiod.

TheseactionsarealignedwiththefollowingSDGs:

Linksandreferences

Environmental,SocialandGovernance(ESG)ReportofHengfengBankCo.,Limited(2024)P7,P39-42,P80

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HengfengBankhascontinuedtoactivelypromotethedigitaltransformationofoperationmanagement,acceleratethegreentransformationofcustomerservicemethods,enrichmobilebankingbusinessfunctions,andoptimizeproducttransactionprocesses.Duringthereportingperiod,newsystemsandtechnologiesincludingsmartwarrantcabinets,smartlocks,andelectronicbusinesslicenseswereputintoproduction,whichfurtherpromotepaperless,electronic,andintelligentoperationbusiness.Atthesametime,focusingoncustomerdemand,thebankfurtherpromotedtheconstructionofmobilebankingecologicalapplicationscenarios,toimprovecustomerexperience.Payspecialattentiontodatasecurity,establishthe"DataSecurityManagementMeasures"andleveragedigitalmeanstoeffectivelyprotectcustomerprivacy.

Thebankhaspracticedtheconceptofgreenoperation,implementedgreenofficepractices,formulatedthe"ImplementationRulesforGreenandLow-carbonOfficeofHengfengBank,"carriedoutthe"YearofFineCostManagement"seriesofactivities,optimizedoperationalenergymanagement,andpracticedgreenmanagementofbusinessvehicles.Atthesametime,thebankhasencouragedemployeestosavefood,adoptpaperlessofficepractices,optimizetheuseofelectricity,water,andofficesupplies,etc.,toreduceenergyconsumption,andreducepollutantemissions,therebycreatingastrongatmosphereofenergyconservationandcarbonreductionthroughoutthebank.

Promotedgreenprocurementmanagement,issued"ProcurementManagementMeasures"and"SupplierManagementMeasures",andgaveprioritytothepurchaseofgreen,energy-savingandenvironmentallyfriendlyproductsonthepremiseofmeetingtheusagerequirements.Vigorouslypromotee-commerceprocurement,andrequiree-commerceproductstocomplywithenvironmentalprotectioncertification,energy-savingcertification,socialresponsibilitystandardcertification,etc.,andrequiredproductpackagingmaterialsmustcomplywithenvironmentalprotection,degradable,recyclingandlow-carbonstandards.

TheaboveBankstrategyisalignedwiththefollowingSDGs.

Environmental,SocialandGovernance(ESG)ReportofHengfengBankCo.,Limited(2024)P49

HengfengBankisfullycommittedtowritinga"TheBigArticleonInclusiveFinance",focusingonkeycustomergroups,takingdigitaltransformationstrategyasthemainline,implementingonlineandofflinedual-wheeldrive,optimizingandimprovingtheproductsystem,andstrivingtobuildan"convenientbank"forinclusivefinanceservicesanda"partnerbank"forsmallandmicroenterprises.Atthemanagementlevel,theInclusiveFinanceandRuralRevitalizationCommitteeissetup

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todedicatethecoordinationoftheinclusivefinanceandruralrevitalizationworkofthewholebank.Afinancingcoordinationmechanismforsmallandmicroenterpriseswasestablishedtoprovideprecisesupporttothedevelopmentofsmallandmicroenterprises,setdifferentiatednon-performingtoleranceindicators,establishedasupportingguaranteemechanism,andgaveinternalpricingdiscountsof50BPforinclusivesmallandmicroenterpriseloansand75BPforinclusiveagriculturalloans.

Thebankalsoadherestothecustomer-centeredapproachandworkshardtodevelopthe"AgingFinance"business.Thebankhaslaunchedpersonalpensionbusinessandprovidedprofessionalpensionplanningservices.The"Yueheng·Suixiang"pensionfinancehascompletedbrandregistrationandpromotedtheSuixiangcustomerservicesystemthroughoutthebank,providingcustomerswithexclusiveproducts,benefitsandactivities,andwonthetitleof"GoodFinance"inShandongProvince.Attheendofthereportingperiod,theBankhadserved2.2million"Suixiang"customers.Atthesametime,thebankalsocontinuouslyexploredproductinnovationsthataresuitableforelderlycustomergroups,improvedaging-friendlyservicescenarios,andprovidedelderlyfinancialserviceswithdedication.

In2024,HengfengBankconducted5,800publicwelfarepromotionalandeducationalactivities,reaching157millionpeople.Meanwhile,through60consumerrightsprotectiontrainingsessions,thebankfurtherenhancedtheoverallemployees'consumerrightsprotectioncapabilities.Intermsofcommunityservices,HengfengBankmadeapublicwelfaredonationofCNY3.176million.Throughout2024,thebankcontinuedtoengageinvolunteeractivitiessuchasvoluntaryblooddonation,supportedculturalandsportsundertakings,andpaidattentiontoworkersinnewbusinessforms.

Inaddition,HengfengBankhasestablishedasoundtaxmanagementsystemtoensurethetimelyandaccuratepaymentofvarioustaxes.In2024,thegroupachievedatotaltaxpaymentofCNY3.388billion,anincreaseofCNY210millioncomparedwiththeendofthepreviousyear,whichmarksagrowthrateof6.61%.

ThenumberoffemaleemployeesandmaleemployeesinHengfengBankhasremainedbalanced,andthetotalnumberoffemaleemployeeshasexceededthatofmaleemployeesforthreeconsecutiveyears.

TheaboveactionsarealignedwiththefollowingSDGs:

Environmental,SocialandGovernance(ESG)ReportofHengfengBankCo.,Limited(2024)P29,P55

2024AnnualReportHengfengBankCo.,Limited.P29-30

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Environmental,SocialandGovernance(ESG)ReportofHengfengBankCo.,Limited(2024)P11,P65-68

TheBankattachesgreatimportancetothetop-leveldesignoftalentwork,andhasissuedthe"HengfengBankCadreandTalentTeamConstructionPlan(2025-2029)".Empoweringemployeedevelopment,payingattentiontoemployeebenefitsandwelfare,implementingtheregularpromotionanddevelopmentmechanismforemployees,carryingoutregularemployeepromotioneveryyear,thebankcompletedthepromotionof1,107non-managementpositionsduringthe2024reportingperiod.Atthesametime,HengfengBanktookactivemeasuresofemployeecapacitybuilding,sothatthetrainingcoveragerateofmiddle-levelandaboveemployeeshasreached100%.Duringthereportingperiod,atotalof3,555trainingsessionsofvariouslevelsandtypeswereorganized,andmorethan266,000peopleweretrained.Focusingontheconstructionof"HomeCulture,"thebankenhancesemployees'senseofbelongingandhappinessthroughavarietyofemployeecareactivities.

TheaboveactionsarealignedwiththefollowingSDGs.

HengfengBank'scorporatevisionhasalwaysbeentobuildadigitalagilebankandenhancethequalityandefficiencyofservingtherealeconomy.Focusingonthe"HengfengBankFinancialTechnologyStrategicPlan(2022-2025)"andthe"HengfengBankDataStrategyImplementationPlan(2022-2025),"thebankhascontinuouslystrengthenedourtop-leveldesign,optimizedgovernancesystems,deepenedtheintegrationofindustryandtechnology,improvedsecurityandriskcontrolsystems,andenhancedtheefficiencyoftechnologyanddigitalservices.Duringthereportingperiod,thebank's"CorporateLendingStructureUpgradeandDigitalTransformationProject"and"CommercialBankDataAssetValuationPracticeandOn-balanceSheetExploration"wonthethirdprizeofthe"FinancialTechnology

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DevelopmentAward"issuedbythePeople'sBankofChina.

HengfengBankalsosupportedthetransformationandupgradingofthemanufacturingindustryandhelpedcultivateanddevelopnewqualityproductivity.Ourbanktookservingthehigh-qualitydevelopmentofthemanufacturingindustryasakeytask,andhascontinuouslyenhancedtheprecisionandadaptabilityofservices,andfacilitatedthehigh-end,intelligentandgreendevelopmentofthemanufacturingindustry.Bytheendof2024,HengfengintotalfinancedCNY146.7billionyuanforthemanufacturingindustry,anincreaseofCNY26.9billioncomparedwiththebeginningoftheyear.HengfengBank'soutstandingloanstothemanufacturingsectorreachedCNY83.5billion,anincreaseofCNY12.4billionfromthebeginningoftheyear.

TheaboveactionsarealignedwiththefollowingSDGs.

Takingthesigningofthe"JointDeclarationoftheBankingSectortoSupportBiodiversityConservation"asanopportunity,HengfengBanktooktheinitiativetoundertakethesocialresponsibilityofprotectingbiodiversity,providedfinancialsupportforrelatedprojects,andpromotedharmoniouscoexistencebetweenmanandnature.

Duringthe2024reportingperiod,theBankhelpedaGuangdongenterpriseissueitsfirstoverseasbluebond,andatthesametimeactivelybuilta"bluefinance"enginetodrivethe"greenshipping"transformation.

TheaboveactionsarealignedwiththefollowingSDGs.

Environmental,SocialandGovernance(ESG)ReportofHengfengBankCo.,Limited(2024)P87,P31,P71-72

Environmental,SocialandGovernance(ESG)ReportofHengfengBankCo.,Limited(2024)P52,P35

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Principle2:

ImpactandTargetSetting

Wewillcontinuouslyincreaseourpositiveimpactswhilereducingthenegativeimpactson,andmanagingtherisksto,peopleandenvironmentresultingfromouractivities,productsandservices.Tothisend,wewillsetandpublishtargetswherewecanhavethemostsignificantimpacts.

2.1ImpactAnalysis(KeyStep1)

Showthatyourbankhasperformedanimpactanalysisofitsportfolio/stoidentifyitsmostsignificantimpactareasanddeterminepriorityareasfortarget-setting.Theimpactanalysisshallbeupdatedregularly

1

andfulfilthefollowingrequirements/elements(a-d)

2

:

a)Scope:Whatisthescopeofyourbank'simpactanalysis?Pleasedescribewhichpartsofthebank'scorebusinessareas,products/servicesacrossthemaingeographiesthatthebankoperatesin(asdescribedunder1.1)havebeenconsideredintheimpactanalysis.Pleasealsodescribewhichareashavenotyetbeenincluded,andwhy.

Response

HengfengusedUNEPFItoolandconductedtheimpactanalysiscoveringthebank'scorporateandpersonalloansandadvancespaymentsin2024,whichaccountedfor99.3%ofHengfengBank'stotaloutstandingloansvolumeand55.65%ofourtotalassets.AsoneofChina's12nationaljoint-stockbanks,HengfengBank'sservicesandclientsaremainlyinChinaintermsofgeographicaldistribution.Thebank'sportfolioisdominatedbytraditionalcommercialbanklendingbusiness,whileadheringtoourdevelopmentstrategiesandstrivingtobecomeacomprehensivefinancialinstitutionthatpossessesan"investmentbank+commercialbank"and"financing+intellectualintegration"businessmodel.

Itisworthmentioningthatconsideringthefactthatinvestmentbankingservicesandotherbusinessesdonotcontributeasheavilytoourportfolio,andthestatisticalcaliberoftheotherportionoftheportfolioisdifferentfromthatoflendingbusiness.Inthatsense,ourimpactanalysiswillmainlyconsiderourcommerciallendingbusinessincludingcorporatelendingandretaillending.

Linksandreferences

2024AnnualReportHengfengBankCo.,Limited.P23-24

1Thatmeansthatwheretheinitialimpactanalysishasbeencarriedoutinapreviousperiod,theinformationshouldbeupdatedaccordingly,thescopeexpandedaswellasthequalityoftheimpactanalysisimprovedovertime.

2Furtherguidancecanbefoundinthe

InteractiveGuidanceonimpactanalysisandtargetsetting

.

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b)Portfoliocomposition:Hasyourbankconsideredthecompositionofitsportfolio(in%)intheanalysis?Pleaseprovidetheproportionalcompositionofyourportfoliogloballyandpergeographicalscope

i)bysectors&industries

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forbusiness,corporateandinvestmentbankingportfolios(i.e.sectorexposureorindustrybreakdownin%),and/or

ii)byproducts&servicesandbytypesofcustomersforconsumerandretailbankingportfolios.

Ifyourbankhastakenanotherapproachtodeterminethebank'sscaleofexposure,pleaseelaborate,toshowhowyouhaveconsideredwherethebank'scorebusiness/majoractivitieslieintermsofindustriesorsectors.

Response

In2024,theindustrydistributionofHengfeng'sloansisasfollows:thetotalcorporateloansareCNY725.629billion

waterconservation,environment,andpublicfacilitiesmanagementindustries(15.05%);leasingandcommercialservices(27.85%);realestate(8.27%),manufacturing(7.79%),wholesaleandretail(5.90%);construction(8.55%).;electricpower,thermalpower,fuelgasandwaterproductionandsupply(2.43%);finance(1.9%);Miningindustry(0.81%)andothers(3.09%).IndividualloansandadvancepaymentstotaledCNY129.450billion(15.03%),ofwhich8.58%werehousingloans,3.18%werebusinessloans,2.89%wereconsumerloansand0.38%werecreditcardloans.

Linksandreferences

2024AnnualReportHengfengBankCo.,Limited.P23-25

2024AnnualReportHengfengBankCo.,Limited.P41-42

3‘Keysectors’relativetodifferentimpactareas,i.e.thosesectorswhosepositiveandnegativeimpactsareparticularlystrong,areparticularlyrelevanthere.

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ThegeographicdistributionofHengfengBank'scorporateloansandadvancepaymentsaredistributedsolelywithinChina.Specifically,theYangtzeRiverDeltaregionaccountsfor35.51%,theBohaiRimregionaccountsfor34.33%,thewesternregionaccountsfor14.54%,thecentralregionaccountsfor8.74%,andthePearlRiverDeltaregionaccountsfor5.84%.

Asfornon-performingloans(NPLs):Ifsegmentedbyproducttype,theNPLratein2024is1.49%forcorporateand2.40%forpersonalloans.Byregion:theNPLratioin2024is2.56%inthePearlRiverDeltaregion,0.66%intheBohaiRimregion,1.64%inthewesternregion,1.9%inthecentralregion,and1.94%intheYangtzeRiverDeltaregion.

c)Context:Whatarethemainchallengesandprioritiesrelatedtosustainabledevelopmentinthemaincountries/regionsinwhichyourbankand/oryourclientsoperate?Pleasedescribe

howthesehavebeenconsidered,includingwhatstakeholdersyouhaveengagedtohelpThisstepaimstoputyourbank'sportfolioimpactsintothecontextofsociety'sneeds.

Response

Inconsideringthechallengesandprioritiesrelatedtosustainabledevelopment,HengfengBanktakesChina'sSustainableDevelopmentStrategyandnationaldualcarbongoalasthehighestguidanceandpriority,whileintegratingthecharacteristicsandstructureoftheBank'sbusiness,andstakeholders'interests.Toproperlyidentifythecurrentcontextandpriorities,thebankhassoughtinputandsuggestionsfromvariousstakeholdersincludingregulators,shareholders,consumers,industryexperts,andrelatedinternationalorganizations.

Therearefourmainprioritiesforsustainabledevelopmentatthenationallevel:First,accordingtothe"GuidingOpinionsonDoingaGoodJobintheFiveMajorArticlesofFinance"issuedbytheGeneral

Linksandreferences

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OfficeoftheStateCouncil,thenationalstrategicprioritiesatthefinanciallevelmainlyincludefivemajordirections:scienceandtechnologyfinance,greenfinance,inclusivefinance,pensionfinanceanddigitalfinance.Second,thebankwillcontinuouslyadheretotheconceptof"Cleanwatersandgreenmountainsareasvaluableasgoldandsilvermountains"pointedoutinthereportofthe20thNationalCongress.Thethirdpriorityistointegratescientificandtechnologicalinnovationresources,leadthedevelopmentofstrategicemergingindustriesandfutureindustries,acceleratetheformationofnewqualityproductiveforces,andpromotethehigh-qualitydevelopmentofthecountry;fourth,strivetopromotetheprogressofthenational"DualCarbon"goalandstrivetoachievethecomprehensivegreentransformationofeconomicandsocietydevelopment.TheabovefourpointsareboththecurrentkeydirectionsofnationalsustainabledevelopmentandaretheprioritiesofHengfengBank.

Attheregionaldevelopmentlevel,thebank'sfirstpriorityisservingnationalandregionaldevelopmentstrategies.Specifically,asalocalbankinShandong,wearefullycommittedtosupportingShandong'sdevelopmentbytakingtheleadandshouldersignificantresponsibilities.Secondly,thebankfocusesonenhancingthequalityandefficiencyofourscienceandtechnologyfinancialservices.Thethirdpriorityistopromotehigh-qualitydevelopmentofinclusivefinance.Thefourthpriorityistosupporttheupgradingandtransformationofthemanufacturingindustry.Thefifthpriorityistoassisttheprivateeconomyinbecomingstronger,better,andlarger.Thesixthpriorityistosupportthestableandhealthydevelopmentoftherealestatemarket.Theseventhpriorityistoservethehigh-levelopeninguptotheoutsideworld.

Atthesametime,HengfengBankactivelycommunicatesandcollaborates