With the deepening of Reform and Opening-up and under the leadership of Mr. Deng Xiaoping, Hua Xia bank started operation in Beijing. in 1992, After restructuring in March,1995, Hua Xia bank grew into a nationwide joint stock commercial bank. In September 2003, Hua Xia bank went public in Shanghai Stock Exchange (Stock Ticker: 600015) and became the fifth listed Chinese bank. In October 2005, Hua Xia bank signed agreements with the strategic investor, Deutsche Bank, on the long-term co-operation and in other areas. This strategic move brings new opportunities to Huaxia in improving its management and internationalization initiative. In October 2008, Hua Xia bank issued additional shares to target investors to strengthen its capital base to support the future development, .

By Dec 31st, 2008, Hua Xia bank has put in place an extensive network of branches across China, covering major cities including Beijing, Nanjing, Hangzhou, Shanghai, Jinan, Kunming, Shenzhen, Shenyang, Guangzhou, Wuhan, Chongqing, Chengdu, Xi’an, Urumqi, Taiyuan, Dalian, Qingdao, Wenzhou, Shijiazhuang, Tianjin, Hohhot, Fuzhou, Ningbo, Shaoxing, Nanning, Changzhou, Suzhou and Wuxi. Inter-city sub-branches were established in Yantai, Liaocheng and Yuxi. Hua Xia bank has set up a total of 313 outlets and has over 10,000 employees. Meanwhile, Hua Xia bank has established a settlement network with nearly 1290 overseas correspondent banks in all major trading regions around the world.

Hua Xia bank maintains sound and stable growth by delivering high-quality, efficient, fast and reliable services, with business scale and profitability been substantial improved. By December 31st, 2008, Hua Xia bank registered a total asset of 731.637 billion RMB and realized a net profit of 3.071 billion RMB in 2008, achieving a year-on-year increase of 46.15%.

The high-speed growth of the bank has been well-recognized by the public and the peers. In its July edition of 2008, The Banker (UK) ranked Hua Xia bank as the 313th on its list of “Top 1000 World Banks”. In the same year, Hua Xia bank was ranked as the 320th bank in “Top 500 Chinese Enterprises (2008)”, the 100th in “Top 500 Chinese Service Enterprises”, the 102nd in “Best 200 Chinese Taxpaying Enterprises”, the 115th in “Top 200 Most Efficient Chinese Enterprises” and the 8th bank in the banking industry. Again in 2008, Hua Xia bank was awarded the “Bank with the Best Annual Growth” by Institute of Finance and Banking, Chinese Academy of Social Sciences.

Advanced operation and management Hua Xia bank is committed to delivering high-quality, efficient services and achieving fast, well-balanced and sustainable growth. The bank is on the road to internationalization by advancing reform in all areas of business including credit, capital, marketing, audit, risk management and human resources. Hua Xia bank seeks innovations in the development of both technology and products, consistently improves management of IT system, application of IT technology, and R&D of new products. .Innovation work of the bank has been carried out in a coordinated and managed way. More technology investments will be made on business systems, self-service banking and Internet banking to help Huaxia bank stay competitive as an IT-empowered bank.

Sound Risk Management Scheme. Hua Xia bank continuously improves its credit risk and internal control system by practicing top-down and centralized management.  Headquarter Credit Risk Management Department and Regional Credit Risk Management Departments have been established as a result. All services related to credit approval, asset assurance, and credit support are managed in a top-down, independent and centralized manner, strengthening the management of the whole process of credit approval. Huaxia bank has gradually realized professional management in credit analysis, close follow-up, risk alert and asset assurance, thus further develops its risk management ability. An independent, centralized and vertical matrix management structure has been set up to manage market risk and operation risk. Hua Xia bank always put great emphasis on compliance with laws and regulations, setting up a sound internal control framework. The bank has been making persistent efforts in enacting and revising its rules, regulations and procedures, with the procedure of each post being clearly defined and regulations becoming more comprehensive, legally compliant and reasonable. With the implementation of the vertical reform of governance system, a 3-tier governance body of “Headquarter – Branches - Governance Office” is put in place to enable the independent supervision of the bank’s operations.. Huaxia bank has established the Compliance Department to improve the examination and rectification of compliance, and ensuring accountability. Thanks to a mature risk management system, Huaxia bank is able to sustainably improve its asset quality and internal control.

Tailored and professional financial services Over the past  years, Hua Xia bank has been devoted to  becoming a customer-centered, market-oriented bank. After a careful study on the market and mobilizing all the sales forces in all branches, Hua Xia bank underscores a new strategy of product selling instead of an exclusive one. The priority is to win over target customers by quality products and excellent services, and extentive products portfolios. It also strengthened product development and branding. the centralized marketing system has been improved by estblising a special system to explore markets, develop products and control risks.hua xia Bank also enhanced personal banking by providing differentialted and customized services to different group of people. Great-Yield, Venture, trading in fund/gold are just examples. Various  cooperation with inter-bank customers, such as bank-bank, bank-insurance, bank-credit, bank-securities, bank-finance cooperations have been developed and products served as the link.. The whole bank is in full gear to improve corporate banking, personal banking and inter-bank services. "Hua Xia Lady Card”, "Huaxia New Cash Line Huaxia New Cash Line", "Win-Win Money Link" are examples of the backbone products of Huaxia that enjoy big market share.

People-oriented corporate culture  People-orientation, the core value of Huaxia Bank, is the key to building up corporate image, enhancing professional ethnics and nurturing talents. Each staff, treated understanding and respect, is entitled to receive the best training. Hua xia Bank gives a full play to every staff and makes every effort to develop a harmonious working environment and creates a platform for his/her career development.

Today, Hua Xia Bank's mission is to continue its momentum, to deliver quality services to customers, to maximize shareholders’ value and to contribute the best to the reform of China’s banking sector. In light of the new opportunities and challenges, Hua Xia bank follows the discipline of "Three Representatives" to embrace a business model that keeps breast with times. It adheres to innovation, prudent operation and sound  management. Hua xia Bank is committed to developing itself into a modern medium-sized bank with sound capital capacity, strict internal management, safe operation and strong international competitiveness.