Bank of Huzhou (2025)
| Signing Date | 24 Jul 2019 |
| Region of Headquarters: | Asia-Oceania |
| Current EPFI Reporting Year/Period: | 2025 |
| Institutional Reporting: | No Report Available |
Please read the important notes and disclaimer for further information on ‘EPFI Reporting’, compliance and publication on the EP website.
Further information on this EPFI may be obtained through the Institutional Reporting hyperlink.
Project Finance Advisory Services
Total number mandated in the reporting period: 0
Project Finance Transactions
Total number that reached Financial Close in the reporting period: 6
| Equator Principles Category | A1 | B2 | C3 |
|---|---|---|---|
| Sector | |||
| Mining | |||
| Infrastructure | 2 | ||
| Oil & Gas | |||
| Power | 2 | ||
| Others | 2 | ||
| Region | |||
| Americas | |||
| Europe, Middle East & Africa | |||
| Asia Pacific | 6 | ||
| Country Designation | |||
| Designated Country 4 | |||
| Non Designated Country | 6 | ||
| Both | |||
| Independent Review | |||
| Yes | |||
| No | 6 | ||
| Totals | 6 | ||
Category A – Projects with potential significant adverse environmental and social risks and/or impacts that are diverse, irreversible or unprecedented.
Category B – Projects with potential limited adverse environmental and social risks and/or impacts that are few in number, generally site-specific, largely reversible and readily addressed through mitigation measures.
Category C – Projects with minimal or no adverse environmental and social risks and/or impacts.
Designated Countries are those countries deemed to have robust environmental and social governance, legislation systems and institutional capacity designed to protect their people and the natural environment.
Project-related Refinance & Project-related Acquisition For Project Finance
Total number that reached Financial Close in the reporting period: 0
Project Name Reporting For Project Finance (And Project-related Refinance & Project-related Acquisition Finance For Project Finance)
Number of projects that were not disclosed as per the disclosure conditions specified in Annex B of the Principles: 6
Under EP4, project name reporting is required for Project Finance transactions that have reached Financial Close and encouraged for Project-Related Corporate Loans that have reached Financial Close.
Project-Related Corporate Loans
Total number that reached Financial Close in the reporting period: 0
Project-related Refinance & Project-related Acquisition For Project-related Corporate Loans
Total number that reached Financial Close in the reporting period: 0
Implementation of the Equator Principles
Ⅰ.Implementation Background and Overall Situation
In 2025, Bank of Huzhou conducted Equator Principles reviews for a total of 6 financing projects, involving a total investment of approximately RMB 1.4 billion. Among these, green industry projects accounted for 100%, with key support given to projects in renewable energy, ecological restoration, and industrial transformation and upgrading.
Ⅱ.Key Implementation Measures
1.Establishment of EP Team
We set up the Strategy and ESG Committee and the Green Finance Professional Committee in Board level to oversee the Bank’s overall green finance strategy.
At the head office level, the Green Finance Department takes the lead in managing environmental and social risks, with coordinated participation from the Risk Management Department, the Legal and Compliance Department, and the Office (Consumer Protection Office). The Green Finance Leadership Group and the Transition Planning Leadership Group have also been established to facilitate cross-departmental coordination and decision-making.
At the branch level, dedicated Green Finance Specialists, Review Officers, Loan Disbursement Officers, and Relationship Managers work together to conduct environmental and social risk identification and on-site due diligence.
2.Comprehensive System Construction and Management Process
Bank of Huzhou relies on its Green Credit Business System to achieve comprehensive digital management throughout the entire green credit process. Through years of iterative development, the system now integrates multiple functions, including client carbon accounts, environmental and social risk identification, environmental benefit calculations, and Equator Principles project management. This helps identify and mitigate “greenwashing” risks, thereby enhancing the authenticity and transparency of green assets.
Carbon Accounting and Climate Risk Management: Innovatively built a carbon accounting system to achieve dynamic carbon tracking of credit assets. Complete transition risk stress test to quantitatively assess the potential impact of carbon pricing mechanisms on bank operation in different scenarios.
3.Comprehensive Training
Bank of Huzhou conducts internal and external training on environmental and social risk management for its employees annually to ensure that front-line staff can properly follow our policies and management procedures as required by the Equator Principles.
The following training sessions were attended and organized in 2025:
Transition Plan Specialized Training: Conducted Transition Plan training for all bank employees to enhance transition awareness and execution capability, providing talent guarantee for plan implementation.
ESG Risk Control Skills Training: For risk control and credit line employees, strengthened training on ESG default rate model application, carbon accounting system operation, and climate risk assessment capabilities.
Green Outlet Construction Training: Organized outlet heads to participate in “Carbon Neutral Outlet” creation training, learning practical skills such as energy-saving renovation and green energy supply.
Systematic External Training: Including training on climate risk assessment, carbon markets, transition finance, etc., provided by organizations such as the Equator Principles Association, CASI (Capacity-building Alliance for Sustainable Investment), and UNEP FI (United Nations Environment Programme Finance Initiative).
III. Implementation Status of Equator Principles Projects in 2025
The environmental and social risk classification of Equator Projects is undertaken by professionals from the Green Finance Department. For projects with Category A environmental and social risks and some Category B projects, independent environmental and social firms will be engaged to assist with due diligence assessment and full-process management.
From [January 1, 2025] to [December 31, 2025], our bank conducted Equator Principles applicability assessments for a total of 274 projects, involving a total investment of approximately RMB 32 billion, covering 200 customers and 19 branches across the bank. Among these, 6 projects were subject to the Equator Principles, all 6 of which were Category C.