Mission Statement, Vision, & Core Values (2026) of China Everbright Bank Company Limited.

Founded in August 1992, China Everbright Bank Company Limited (6818.HK) stands as a state-owned commercial bank in Beijing that manages 72 funds with a combined AUM of HK$119.4 billion as of 30 June 2025, pursuing a mission of "wealth management for the society" by shifting from proprietary balance-sheet management to improving customers' financial statements and building an integrated financial ecosystem under the banner of One Customer, One Everbright, One Service Package, while aligning with national strategies and the Communist Party of China to prioritize technology finance, green finance, inclusive finance, pension finance and digital finance, and embedding core values such as integrity, customer centricity, innovation, social responsibility and collaboration to drive high-quality development and strengthen its role in serving the real economy.

China Everbright Bank Company Limited (6818.HK) - Intro

China Everbright Bank Company Limited (6818.HK) is a state-owned commercial bank established in August 1992 and headquartered in Beijing. The bank provides a full spectrum of financial services - retail and corporate banking, wealth management, and investment banking - and emphasizes serving the real economy and supporting national strategies. As of June 30, 2025, CEB managed 72 funds with a total asset under management (AUM) of HK$119.4 billion.

• Founded: August 1992
• Headquarters: Beijing
• Stock code: 6818.HK
• Funds managed (30 Jun 2025): 72
• AUM (30 Jun 2025): HK$119.4 billion

Mission Statement

To provide safe, efficient and comprehensive financial services that support the real economy, align with national priorities, and improve financial well‑being for individuals and enterprises across China.

Vision

To be a leading commercial bank driving high‑quality development, digital transformation, green finance, and inclusive financial services that contribute to China's modernization and long‑term economic resilience.

Core Values

• Patriotism and alignment with national strategy - financial work serving the people and state goals.
• Customer centricity - prioritizing client value in product design and service delivery.
• Integrity and compliance - adhering to regulatory requirements and party guidance.
• Innovation and digitization - advancing digital finance and technology‑driven solutions.
• Sustainability - promoting green finance and long‑term risk management.
• Inclusiveness - expanding access through inclusive and pension finance initiatives.

Strategic Focus Areas

• Technology finance: financing innovation and tech enterprises while integrating digital capabilities into banking products.
• Green finance: supporting low‑carbon projects and sustainable infrastructure.
• Inclusive finance: expanding services to SMEs, rural areas, and underserved populations.
• Pension finance: developing retirement financing solutions in response to demographic change.
• Digital finance: increasing digital channels, fintech partnerships, and data‑driven risk controls.

Governance & Party Leadership

CEB operates under the guidance of the Communist Party of China, aligning corporate finance activities with national policy objectives and social needs. Party leadership is integrated into governance and strategic decision‑making to ensure financial services support public priorities.

Performance & Positioning

• AUM scale as of 30 June 2025: HK$119.4 billion across 72 funds - reflecting the bank's growing wealth management and asset management capabilities.
• Comprehensive product suite: retail deposits and loans, corporate lending and cash management, wealth management products, and investment banking services tailored to national strategic sectors.

For a detailed historical and ownership context, see: China Everbright Bank Company Limited: History, Ownership, Mission, How It Works & Makes Money

China Everbright Bank Company Limited (6818.HK) - Overview

• CEB's mission is 'wealth management for the society,' focused on delivering first-class wealth management products and services to customers and society at large.
• The bank prioritizes serving the real economy and aligning with national strategies to meet the expanding financial needs of socio-economic development and the populace.
• CEB shifts emphasis from managing its own balance sheet to improving clients' financial statements and overall financial health.
• It leverages China Everbright Group's integrated-finance, industry-finance collaboration, and cross-border strengths to broaden and deepen service offerings.
• Committed to high-quality development, CEB continually strengthens capabilities in customer service, integrated operations, technology, talent development, risk management, and corporate governance.
• The bank aspires to cultivate distinctive competitive edges, acting as a principal executor in serving the real economy and a ballast for financial stability.

• To become a leading, modern commercial bank recognized for comprehensive wealth management, balanced risk-return, and sustainable support to the real economy.
• To integrate digital transformation and open financial ecosystems to provide seamless, personalized financial services across retail, corporate, and institutional segments.
• To expand cross-border capabilities to support clients' internationalization while reinforcing domestic strategic initiatives (e.g., green finance, innovation-driven projects).

• Customer-centricity: prioritize client outcomes, particularly improving customers' financial statements and long-term wealth accumulation.
• Prudence in risk management: maintain stable asset quality and capital adequacy while supporting credit to productive sectors.
• Integrated finance: coordinate with China Everbright Group entities to offer holistic solutions across banking, securities, insurance, asset management, and industry partners.
• Digital-first delivery: invest in fintech and data-driven platforms to raise servicing efficiency and product personalization.
• People and governance: continuous talent development, disciplined governance, and transparent compliance culture.
• Social responsibility: contribute to green finance, inclusive finance, and community-oriented wealth management.

• Wealth management expansion: target double-digit growth in fee income from wealth management services over a 3-year horizon (post-2023 baseline).
• Support to real economy: maintain stable corporate loan growth with priority to manufacturing, infrastructure, technology, and green projects; aim to keep effective credit cost below historical peaks.
• Asset quality control: NPL ratio target maintained near or below 1.3% with continued provisioning to preserve coverage above 180%.
• Capital and liquidity: preserve CET1 and total capital buffers above regulatory minima with contingency liquidity reserves aligned with systemic stress tests.
• Digital transformation KPIs: increase online active customers and digital sales proportion of new wealth products by at least 30% within two years.

• Product design centered on client balance-sheet improvement-structured deposits, advisory-driven wealth portfolios, and integrated corporate treasury solutions.
• Cross-border services leveraging group's international footprint to facilitate trade finance, RMB internationalization, and offshore wealth channels.
• Investment in risk analytics and credit origination platforms to enable precise pricing and early-warning monitoring for better credit outcomes.
• Talent programs to build advisory, digital, and risk-management capabilities across retail and corporate channels.

China Everbright Bank Company Limited (6818.HK) - Mission Statement

• Core mission: Deliver inclusive, high-quality financial services that improve customer outcomes across personal, corporate and institutional segments.
• Strategic focus: Move from managing the bank's balance sheet to enabling customers to optimize their financial statements and wealth accumulation.
• Governance and alignment: Operate under CPC guidance to ensure financial services support national policy objectives and social needs.

• Integrated service platform - unify retail, corporate, and asset-management capabilities to create single-customer experiences.
• Five target finance areas - technology finance, green finance, inclusive finance, pension finance, and digital finance, each prioritized for products, talent and capital allocation.
• High-quality development - strengthen core competitiveness, risk resilience, and contribution to China's modernization.
• Distinctive competitiveness - develop unique products, distribution channels, and partnerships to act as a ballast for financial stability and as a principal force serving the real economy.

• Customer-centricity - prioritize solving client financial challenges through tailored, integrated solutions.
• Integrity & compliance - strong governance and alignment with national financial stability objectives.
• Innovation - digital finance and technology finance to improve efficiency and product reach.
• Sustainability - green finance and pension finance to support long-term social and environmental goals.
• Inclusiveness - expand access through inclusive finance and targeted products for underserved segments.

• Product integration: cross-selling wealth management, asset management, corporate banking and trust products under unified customer profiles.
• Digital transformation: invest in digital platforms, data analytics and open APIs to deliver 'One Service Package.'
• Targeted finance initiatives: allocate balance-sheet and off-balance-sheet capacity to the five focus finance areas with measurable KPIs (AUM in green products, pension assets under management, SME loans, fintech partnerships).
• Risk & capital management: maintain prudent provisioning and capital ratios while enabling sustainable credit growth.

• Guided by CPC leadership - align product focus and resource allocation with national development strategies and social needs.
• Serve the real economy - prioritize credit flow to productive sectors, infrastructure, SMEs and green projects to underpin employment and growth.
• Financial stability - act as a ballast by maintaining capital buffers, prudent provisioning and diversified funding sources to absorb shocks.

China Everbright Bank Company Limited (6818.HK) - Vision Statement

• Integrity: transparency, accountability, and ethical conduct underpin all operations, risk management, and disclosures.
• Customer Centricity: products and service models designed around client needs to boost satisfaction, retention, and lifetime value.
• Innovation: continuous adoption of fintech, digital channels, and process automation to improve efficiency and competitiveness.
• Social Responsibility: commitment to green finance, inclusive lending, and community programs that align with sustainable development goals.
• Collaboration: strategic partnerships with corporates, fintechs, regulators, and internal cross-functional teams to scale solutions.
• Vigor, Quality, Reputation, Unique Characteristics, Sense of Responsibility, and Dedication to the Bottom Line: cultural drivers that influence hiring, performance management, and capital allocation.

• Expand high-margin corporate and wealth-management businesses while controlling credit risk.
• Scale digital banking and platform-based services to lower unit costs and deepen customer engagement.
• Increase green and sustainable finance penetration to capture policy-driven growth opportunities.
• Enhance capital and liquidity resilience consistent with Basel standards and local regulator expectations.

• Integrity - improved transparency in disclosures, adherence to anti-corruption and compliance KPIs reflected in lower compliance incidents year-over-year.
• Customer Centricity - rising share of fee-based income from wealth and transaction banking; increased cross-sell ratios per household/client segment.
• Innovation - percentage of transactions via digital channels rising, R&D/IT investment as a share of operating expenses increased to support platform upgrades.
• Social Responsibility - issuance of green bonds and loans; growth in sustainable finance book tracked against ESG targets.
• Collaboration - strategic alliances and joint ventures to broaden product reach and co-develop technology solutions.

• Risk-weighted asset (RWA) management and capital optimization to support credit growth without diluting capital metrics.
• Lean process reengineering and automation to improve cost-to-income ratios.
• Talent programs embedding the values of vigor, responsibility, and dedication to performance outcomes.
• ESG integration across credit assessment, product design, and reporting to support reputation and regulatory alignment.