In 1992, Hua Xia Bank started operation in Beijing at the height of 'Reform and Opening-up' policy and under the leadership of paramount leader Deng Xiaoping. Hua Xia Bank became a nationwide joint stock commercial bank after restructuring in 1995. In September 2003, Hua Xia Bank issued stock to the public and was subsequently listed in Shanghai Stock Exchange (Stock Ticker: 600015), and was the fifth listed bank in China. In November 2005, Hua Xia Bank entered a series of agreements with the strategic investor- Deutsche Bank on Transfer of Shares, Long-term Strategic Co-operation, Technical Support and Assistance, and Credit Card Agreement. This shed new light to improve Hua Xia's management and brought Hua Xia to international scene. Over the past 14 years, Hua Xia Bank witnessed three historical breakthroughs.

Up to December 31, 2006, Hua Xia Bank has established a network of 23 branches, 5 inter-city sub-branches, 279 outlets and 8200 employees spanning from 28 cities: Beijing, Nanjing, Hangzhou, Shanghai, Jinan, Kumming, Shenzhen, Shenyang, Guangzhou, Wuhan, Chongqing, Chengdu, Xi’an, Urumqi, Taiyuan, Dalian, Qingdao, Wenzhou, Shijiazhuang, Tianjin, Hohhot, Fuzhou, Ningbo, Suzhou, Wuxi, Yantai, Liaocheng and Yuxi. Meanwhile, Hua Xia Bank signed 382 overseas correspondent banks covering major trading regions in the world..

Since 2001, Hua Xia Bank has stayed ahead of the curve by delivering high-quality, efficient, fast and reliable services. Business scale and profitability have been improved by a substantial margin. In 2004, Hua Xia Bank was included in the list of top 10 competitive companies amongst China public companies on Finance & Real Estate and won the title of "China Most Influential Fortune Company" in 2005. (UK) The Banker's 2006 Top 1000 World Banks ranked Hua Xia Bank at the 339th. In China Top 500 Enterprises, Hua Xia Bank moved into 225th place. Hua Xia Bank scored notable results in product research and service innovation, where "SME Growth Product Service Plan" earned the unique plaudit of "Best SME Financing Plan" from China SME Association, China Banking Association and Financial Times. FX Clearing was the "Distinguished Banking Product" during Beijing Banking Exhibition and Guangzhou Expo. Clearing Center snapped again the award of "Citicorp USD Clearing STP Excellence". Customer Services Center(95577) was named by People's Daily as "Top 10 Most Favored Brands" and "Top 10 Most Influential Brands" in China Banking Call Center. By the end of December 31, 2006, Hua Xia Bank registered a total asset of RMB 445.053 billion and realized a net profit of RMB 1.457 billion, compared with growth of 13.87% in the same period last year. 

Hua Xia Bank embraces its advanced concept in delivering "high-quality, efficient, fast and reliable services" and is going international, particularly in the areas of credit, capital, sales and marketing, audit, risk management and human resources. Hua Xia Bank sees innovations in technology and product in wider terms. Formalized innovations in IT system, technology and new products will be pushed to a more proactive stance. More technology inroads will be spent on business systems, self-service banking and online banking for Hua Xia Bank to stay competitive as IT-enabled Bank.

Hua Xia Bank makes the goal of raising risk management and taking all-inclusive prudent supervision to ensure compliance with the standards, laws and regulations.Based on the risk supervisory regulations,Risk Management Committee and Risk Management Department were set up to conduct a consistent monitoring and supervision over credit risk,market risk and operation risk. Dedicated and professional staff are in place to authorize each loan. Independent audit stands in a line authority and clearly separates from operational in order to make audit independent, authoritative and valid. Full risk management system is installed to bring the asset quality an optimized level.

Hua Xia Bank "Put the Customer above all else" by having three separate marketing systems served for corporate, personal and other financial institutions. One service standard is practiced across the whole Bank. An array of banking products and personalized services are available through Hua Xia's professional team of customer managers and state-of-the-art electronic banking technology under a wide lineup of services plans tailored for each customer in each market. "Hua Xia Inter-Link" and "Hua Xia Sinobeauty Card" are just some of the well-known Hua Xia brands taking leading shares in the market. 

Hua Xia Bank puts human brains as the priority and portrays it as Hua Xia's personality, representing all that Hua Xia culture stands for. Each staff, treated as an individual with concern, understanding and respect, is entitled to receive the best training. Every step is focused to listen to all and motivate sense of moral responsibility among staff to work on one goal. Whoever working in Hua Xia Bank has the equal opportunity to perform his best,to grow with the bank, and to find his best value in Hua Xia Bank.

Today, Hua Xia Bank's mission is to continue to grow, deliver quality services to customers, maximize return to shareholders and contribute the best to the reform in China Banking industry. Facing the new opportunities and challenges, Hua Xia Bank emphasizes, in light of "Three Represents", customer-driven innovation, leveraging technology and striking for a business model that can deliver high-quality services and consistent profit. Hua Xia Bank is moving into a new phase of modern bank with solid capital base, stringent internal control, secure and reliable performance, highly efficient and good services. With our passion and dedication, Hua Xia Bank is right behind you to spread your wings around the world!