On April 14, S&P Global, a world-leading financial information and ratings agency, officially released the "Sustainability Yearbook (China Edition) 2026." Ping An Bank Co.,Ltd. has once again been included in the authoritative yearbook, marking its second consecutive year of recognition, due to its consistently outstanding performance in the S&P Global Corporate Sustainability Assessment (CSA).
The 2026 selection process covered nearly 1,800 enterprises from the Chinese mainland, Hong Kong, and Macao, with only over 190 ultimately making the list. Among these, only four banks from the mainland received this honor, with Ping An Bank being one of them, fully demonstrating its leading position in ESG practices within the banking industry.
A representative from Ping An Bank's ESG department stated, "Last month, our MSCI ESG rating was upgraded to AAA, and now we have been included in the S&P Global Sustainability Yearbook (China Edition) for two consecutive years. This is a dual international affirmation of our sustainability practices and serves as a new starting point for pursuing even higher goals."
S&P Global, founded in 1925, is one of the world's most influential providers of financial data and information services. Its Sustainability Yearbook is regarded as a benchmark for global corporate sustainability. Relying on a rigorous CSA evaluation system, it provides comprehensive scores for companies across environmental, social, and governance dimensions, selecting the top ESG performers from various industries for inclusion, thereby offering authoritative decision-making references for global investors.
Ping An Bank adheres to its core mission of "finance for the people," fully integrating ESG principles into its corporate governance and business development processes. It has established a three-lines-of-defense governance system covering "decision-making, execution, and supervision," achieving full coverage of business ethics audits for all branches and specialized institutions, with a 100% participation rate in employee compliance training, thereby solidifying the institutional foundation for sustainable development.
The bank continuously optimizes its board structure to enhance professionalism, independence, and diversity, integrating ESG management into top-level corporate governance design. Leveraging the three lines of defense for risk, it has built a comprehensive risk control system covering front, middle, and back offices. In 2025, it completed annual business ethics audits for all branches and specialized institutions, strictly enforced anti-corruption policies, and implemented high-standard conduct management for employees and suppliers.
Regarding data security, the bank conducts regular risk assessments, employs cybersecurity level protection, access control, and encryption technologies, maintains a 100% coverage rate for information security training, and strengthens data security supervision of suppliers, comprehensively enhancing digital governance efficiency.
In serving the real economy, Ping An Bank established a "Real Economy Support Committee" led by its president, focusing on national strategic areas such as technological innovation, advanced manufacturing, and rural revitalization. It has innovatively launched specialized products like "Sci-Tech Innovation Loans" and "IPO Preparation Loans." By the end of 2025, it served 31,917 technology enterprise clients, with outstanding sci-tech loans reaching RMB 306.582 billion; outstanding agriculture-related loans reached RMB 116.053 billion, with 296,200 "Rural Revitalization Cards" issued cumulatively; outstanding inclusive loans to micro and small enterprises reached RMB 484.522 billion, truly achieving precise allocation of financial resources and supporting high-quality economic development.
In green finance and low-carbon transition, Ping An Bank continues to improve its product system, including green credit, green bonds, and carbon finance, supporting key areas like clean energy and energy conservation. By the end of 2025, its outstanding green loans amounted to RMB 266.433 billion, and the scale of investment and financing assets incorporated into carbon accounting increased by 56% year-on-year, steadily promoting the greening of its investment and financing structure.
The bank has developed a clear roadmap for operational carbon reduction, actively implementing systematic measures to continuously reduce resource consumption and carbon emissions. Its operational carbon emissions decreased by 16% compared to 2024, marking the second consecutive year of decline in total operational emissions. Throughout the year, it directly procured 3.3137 million kWh of green electricity and purchased 42,848 green electricity certificates, collectively supporting 46.1617 million kWh of renewable energy generation.
In customer service and social responsibility, Ping An Bank continuously enhances consumer rights protection and financial service experience. Its customer service NPS reached 91.0%, and its branch NPS reached 97.53%. Customer complaints decreased by 10.43% year-on-year, with a 100% resolution rate. The bank focuses on serving the elderly, children, and special needs groups, promoting age-friendly facility upgrades, strengthening anti-fraud systems, and conducting financial literacy initiatives.
By upgrading the "Ping An Public Welfare" platform, it encourages participation from both customers and employees. It has cumulatively supported 96 public welfare projects, benefiting over 200,000 people, with more than 124,000 donors, making financial services more compassionate.
Ping An Bank stated that it will continue to uphold its core philosophy of "Expertise Creating Value," focusing on serving the real economy, leveraging green finance and inclusive finance as key drivers, and using technological innovation as an engine. It will persistently promote the deep integration of ESG with its business operations, strengthen climate risk management capabilities, actively explore pathways for transition finance, and contribute to achieving the "Dual Carbon" goals. Through the power of finance, it aims to help build a sustainable future characterized by economic prosperity, social equity, and ecological friendliness, contributing Ping An's strength to building a Beautiful China.
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