CZBank Sustainability Report 2025: Assets Climb to RMB 3,480.00 Billion, Green Loan Book Expands 8.01%

China Zheshang Bank (CZBank) released its 2025 Sustainability Report, covering operations from 1 January to 31 December 2025 and independently assured by Ernst & Young. The report highlights strengthened Party leadership, enhanced corporate governance and a reinforced ESG framework overseen by an 11-member Board that reviewed seven ESG matters during the year.

CZBank’s total assets rose to RMB 3,480.09 billion, with loans and advances at RMB 1,922.71 billion and customer deposits at RMB 2,043.47 billion. Operating income reached RMB 62.56 billion and profit after tax stood at RMB 13.56 billion. The non-performing loan ratio was 1.36%, while the provision coverage ratio improved to 155.37%.

Green finance remained a growth engine. The green loan portfolio grew 8.01% to RMB 256.84 billion, outpacing overall loan growth. The bank underwrote RMB 5.58 billion of green bonds and issued RMB 5.00 billion of AAA-rated green bonds. Transition-focused products such as “green factory loans” and environmental rights pledges were rolled out, and climate-related stress tests confirmed manageable risk exposure.

Inclusive and technology finance accelerated. Inclusive loans to key areas totalled RMB 358.20 billion; technology loans reached RMB 270.81 billion; and supply-chain financing exceeded RMB 169.39 billion, serving more than 59,000 upstream and downstream customers.

On the social front, CZBank employed 25,016 staff—45.67% women—and delivered an average of 62.50 training hours per employee. Donations to public-interest causes totalled RMB 51.10 million, and employees volunteered 4,998 hours. The bank’s “One Bank for One School” rural education initiative now supports 33 schools, while military support, anti-fraud outreach and elderly-friendly services expanded nationwide.

Governance and risk controls were further tightened. CZBank conducted 299 internal audits, 1,353 anti-money-laundering training sessions, and achieved 100% coverage in social insurance and union membership. The bank’s MSCI ESG rating advanced to AAA, underscoring progress in environmental stewardship, social contribution and robust governance.