In recent years, CBHB has proactively aligned with financial reform trends, using innovation in financial market operations as an engine to integrate into national development strategies and demonstrate its role as a financial institution in the new era. Leveraging a triple-engine model—centered on bonds, client services, and asset management—the bank has deepened product innovation and service upgrades. It fully utilizes its advantages in bonds, foreign exchange, precious metals, derivatives, asset management, asset custody, and cross-border transactions to build a full-chain financial market product line covering investment, underwriting, custody, distribution, and trading. Building on traditional services such as deposits, loans, and remittances, CBHB has strengthened the synergy and professionalism of its financial services, offering integrated solutions for corporate clients including direct financing, treasury management, and risk hedging.

Technology finance is a key support for cultivating new productive forces. Recognizing the characteristics of tech firms—such as light assets, high growth potential, and financing challenges—CBHB has channeled patient capital to these enterprises through bond market innovation and tailored product systems. In 2025, the bank focused on the bond market's "tech sector," building a comprehensive sci-tech finance service system that combines bond investment, index products, and ETF allocation. It issued the market’s first batch of sci-tech innovation financial bonds, jointly created the first corporate sci-tech bond basket in the Beijing-Tianjin-Hebei region with CITIC Securities, and executed the first pledge repo transaction among joint-stock banks using sci-tech policy financial bonds as collateral. The bank also invested in the first sci-tech bond ETF funds and launched Tianjin’s first locally named sci-tech bond "twin index" with nationwide coverage. Throughout the year, CBHB invested over RMB 40 billion in sci-tech bonds, a year-on-year increase of more than 100%, effectively supporting tech firms and promoting deeper integration between financial markets and the innovation ecosystem.

Green finance serves as an essential foundation for high-quality development. Through issuing green bonds, innovative product design, and precise resource allocation, CBHB supports corporate green transformation and industrial upgrading. In 2025, the bank issued RMB 5 billion in green financial bonds, effectively linking green finance with transition finance. It invested over RMB 30 billion in green bonds during the year, up more than 50% year-on-year, contributing to the expansion of the green finance market and helping companies establish a virtuous cycle of investment, green project implementation, environmental improvement, and enhanced investment value.

As the only national joint-stock commercial bank headquartered in Tianjin, CBHB continues to elevate its corporate positioning, serving Tianjin, supporting the Beijing-Tianjin-Hebei region, and extending its influence nationwide. It leverages its advantages in financial resource allocation to provide comprehensive support for Tianjin’s high-quality development and actively integrates into the major national strategy of coordinated regional development. In 2025, CBHB focused on key areas such as the integrated development of Tianjin’s port, industry, and urban areas, as well as local government bond investment and trading. It offered a full suite of financial services including index products, secondary market making, and bond baskets. Utilizing its strength as a comprehensive market maker in the interbank bond market, the bank actively provided bilateral quotes for baskets such as the "CBHB Tianjin Port-Industry-City Integration Bond Basket," "CBHB Preferred Tianjin Local Government Bond Basket," and "CBHB Tianjin Green Local Government Bond Basket." Annual trading volume for bond basket market making exceeded RMB 16 billion, effectively enhancing regional bond market liquidity and showcasing the bank’s professional capabilities in regional financial services.

CBHB also anchored its efforts on policy transmission and national strategic implementation through interest rate bond underwriting. In 2025, the bank underwrote over RMB 280 billion in interest rate bonds and received multiple awards, including "Excellent Underwriter" for China Development Bank financial bonds, "Core Underwriter" and "Green Development Leadership Institution" for The Export-Import Bank of China financial bonds, as well as the "Green and Low-Carbon Award" and "Theme Practice Award" for Agricultural Development Bank of China financial bonds.

Amid profound adjustments in global trade patterns, CBHB has positioned client fund transaction services as a key direction for its transformation, building the "CBHB Hedging" professional client brand. Leveraging its nationwide license advantages and streamlined organizational structure, the bank combines analysis of foreign exchange market trends with corporate client needs to provide professional, real-time market insights. Through its financial markets trading desk, it offers customized solutions across more than 40 standardized products including foreign exchange, interest rates, and precious metals, helping clients manage onshore and offshore account settlement, hedging, and value preservation needs. In recent years, CBHB’s client business has accelerated, with total client transaction volume increasing 112% year-on-year in 2025, earning high client satisfaction.

Since 2023, CBHB has continued to expand its foreign exchange and precious metals operations, enhancing its business qualifications and strengthening its comprehensive capabilities. After obtaining special membership status at the Shanghai Gold Exchange in 2024, the bank secured qualifications in 2025 as an attempted market maker for CNY FX forward and swap markets in the interbank market, becoming the first corporate bank in Tianjin to achieve this status. By participating in multi-tiered quoting and trading in the interbank foreign exchange market, CBHB continues to optimize pricing and transaction services for corporate clients, delivering more professional, efficient, and competitive solutions that help reduce financial costs and support the real economy through multiple channels.

The persistent low interest margin environment continues to test the operational resilience of banks, driving a shift toward differentiation and precision. In this context, the importance of financial markets business has become increasingly prominent. With its triple-engine development model fully activated, CBHB will continue to focus on high-quality growth, deepen its financial foundations, and adhere to its service mission. By advancing transformation and innovation in sci-tech finance, green finance, and cross-border finance, the bank aims to deliver more precise financial services and superior product offerings, accelerating the formation of core and differentiated competitive advantages. Through these efforts, CBHB will empower the real economy, support regional development, and contribute to the nation’s financial strength in the new era.