Three-wheel drive empowers precise physical economy and regional development, resonating in the same frequency - CBHB (09668) Financial Market Business Transformation Answer Sheet.

In recent years, CBHB (09668) has actively adapted to the trend of financial reform, using financial market business innovation as the engine, actively integrating into the national development plan, and demonstrating the role of finance in the new era. The bank relies on a three-wheel drive model of "bond bank, agency bank, asset management bank," deepens product innovation and service upgrades, fully leverages the advantages of bond trading, foreign exchange, precious metals, derivative products, asset management, asset custody, and cross-border trading licenses, and creates a full-chain financial market product line of "investment, underwriting, custody, sales, trading." Building on traditional services for entities such as deposits, loans, and foreign exchange, the bank strengthens the synergy and professionalism of financial services, providing comprehensive financial solutions for entities including direct financing, financial asset management, and risk hedging. Deepening: Promoting Innovation in Technology and Green Development Technology finance is the key support for cultivating new quality productivity. CBHB keenly grasps the characteristics of technology and innovation companies, such as "light assets, high growth," and the pain point of "difficult financing," by innovating in the bond market and building a product system to provide "patient capital" for technology and innovation companies. By 2025, the bank focuses on the "technology board" in the bond market, fully constructs a financial service system for technology and innovation through "bond investment + index products + ETF allocation," issues the first batch of technology innovation financial bonds in the market, collaborates with CITIC SEC to establish the first nationwide and Beijing-Tianjin-Hebei enterprise technology innovation bond basket, executes the first pledge repo transaction for a financial institution using science and technology innovation bonds as collateral, invests in the first batch of technology innovation bond ETF funds, innovatively releases the first Tianjin-based organization-named, nationally covered technology innovation bond "twin index," invests over 40 billion yuan in technology innovation bonds throughout the year, achieving over 100% growth, precisely nurturing technology and innovation companies with financial liquidity, promoting the deep integration and coordinated development of financial markets and technology innovation ecosystems. Green finance is an important foundation for high-quality development. CBHB supports enterprise green transformation and promotes the upgrade of green industries through the issuance of green bonds, innovative product designs, and precise resource allocation. By 2025, the bank has issued 5 billion yuan of green financial bonds, promoting the effective connection between green finance and transformation finance, investing over 30 billion yuan in green bonds, with a year-on-year growth of over 50%, expanding the scale of the green financial market, facilitating the formation of a virtuous industrial cycle of "investment-green project landing-environmental improvement-investment value enhancement." Responsibility: Rooted in Regional Development, Promoting National Integration As the only national joint-stock commercial bank headquartered in Tianjin, CBHB continuously improves its legal entity positioning, based in Tianjin, serving Beijing-Tianjin-Hebei, with a national reach, fully leveraging the advantage of financial resource allocation to provide comprehensive financial support for Tianjin's high-quality development, deeply integrating into the major national strategy of coordinated development in Beijing-Tianjin-Hebei, accurately grasping the profound connotation of the "national agenda." By 2025, CBHB will continue to provide comprehensive financial services focusing on Tianjin Port Holdings' industrial-city integration development and Tianjin local government bond investment trading, gradually offering index products, secondary market-making services, and bond baskets. The bank fully leverages its advantages as a comprehensive market maker in the interbank bond market, actively conducting bilateral quotes for the "CBHB Tianjin Port Holdings industrial-city integration development bond basket," the "Bohua Bank's selected Tianjin local government bond basket," and the "CBHB Tianjin green local government bond basket," with an annual trading volume of over 16 billion yuan, effectively activating the liquidity of the regional bond market, showcasing the professional strength of regional financial services. CBHB uses interest rate bond underwriting as the focal point, anchoring policy transmission, serving national strategies, and empowering people's livelihood. By 2025, the bank will underwrite interest rate bonds exceeding 280 billion yuan and has received multiple awards such as the National Development Bank's "Excellent Underwriter" for financial bonds in 2025, China Export-Import Bank's "Core Underwriter" for financial bonds in 2025, and recognition as a leading institution in green development concepts, as well as awards for green low-carbon and thematic practice achievements from the China Agricultural Development Bank in 2025. Expansion: From "Bohai Bank's Risk Management" to Global Services, Safeguarding Enterprises' Overseas Expansion In the current situation of deep adjustments in the global trade landscape, CBHB regards fund trading services for clients as a key focus for transformation and development, creating the professional client brand of "Bohai Bank's Risk Management." The bank leverages its national joint-stock commercial bank full license advantages, based on a streamlined personnel structure, upholding the purpose of serving the real economy, combining its judgment of foreign exchange market trends with enterprise needs, providing professional real-time market analysis for enterprises through financial market trading platforms, focusing on over 40 standardized products such as exchange rates, interest rates, and precious metals, customizing business solutions tailored to the needs of enterprises for onshore and offshore account settlement, risk hedging, value preservation, and appreciation. In recent years, CBHB's client business has shown an accelerating trend, with a 112% year-on-year growth in client transaction volume in 2025, receiving high praise from customers. Moreover, since 2023, CBHB has continuously deepened and expanded its foreign exchange and precious metal businesses, upgraded its business qualifications, and steadily strengthened its comprehensive strength. After obtaining the special membership qualification of the Shanghai Gold Exchange in 2024, the bank received the qualification of a distant market maker in the interbank RMB foreign exchange market in 2025, becoming the first legal person bank in Tianjin to obtain this qualification. By participating in multi-level quote transactions in the interbank foreign exchange market, CBHB continuously optimizes its quoting and trading services for corporate clients, providing customers with more professional and efficient, and competitive business solutions, helping enterprises reduce financial costs and support the development of the real economy through various channels. The prolonged low interest rate environment challenges the operational resilience of the banking industry, prompting a transformation towards differentiation and sophistication, with the importance of financial market sector operations becoming increasingly prominent. CBHB has fully activated the "three-wheel drive" development engine and will continue to focus on high-quality development goals, deepen financial fundamentals, uphold its service mission, continue to deepen its transformation and innovation, and exert continuous efforts in fields such as technology finance, green finance, and cross-border finance with more precise financial services, superior product supply, accelerating the formation of core competitiveness and differentiated competitive advantages, empowering the real economy, serving regional development, and writing a new chapter in serving the country with practical actions in the new era.