Focusing on key technologies and weak links in agricultural science and technology, the Bank continuously increases policy-based financial support. By strengthening institutional development, establishing dedicated task forces, and optimizing credit policies, it enhances the quality and efficiency of science and technology finance services. It conducts field research on the key topic of "accelerating seed industry revitalization" and carries out industry analysis in key areas of agricultural science and technology to scientifically guide business development. Focusing on seed industry revitalization, agricultural machinery and equipment manufacturing, and smart agriculture, the Bank continues to increase credit support. During the year, it cumulatively disbursed RMB 72.152 billion in agricultural science and technology loans, an increase of RMB 20.727 billion year-on-year. At year-end, the outstanding balance of agricultural science and technology loans reached RMB 134.651 billion, up 41.15% from the beginning of the year.

he Bank continuously strengthens top-level design to support the green transformation of agriculture, rural areas, and farmers. It issued the "2024–2025 Green Finance Action Plan," which defines the strategic objectives and implementation pathways for advancing green finance across five dimensions: green finance business development, management, governance, self-operation, and ESG promotion. The Bank continues to increase green credit support in the agricultural sector. At year-end, the outstanding green loan balance reached RMB 2.68 trillion, up 12.19% year-on-year, higher than the average growth rate of total loans. A total of 12,553 green credit projects have been supported, generating significant environmental and social benefits. The Bank also increased issuance of green bonds, issuing RMB 22 billion of green bonds during the year, up 10% year-on-year, guiding social capital toward green industry development.

Focusing on the role of inclusive finance in increasing income for vulnerable groups and promoting common prosperity, the Bank has further strengthened its support. Centering on five key objectives—enhancing the effectiveness of agriculture-linked lending, consolidating and expanding poverty alleviation achievements, and innovating support for micro and small enterprises—the Bank improves mechanisms linking loans with farmers and rural households, strongly supports income growth for key populations, and helps key regions accelerate development. During the year, it cumulatively disbursed RMB 741.663 billion in targeted poverty alleviation loans, benefiting 17.24 million people under poverty monitoring and those lifted out of poverty at risk of returning to poverty. The Bank has deepened its Small and Micro Enterprise Service Capability Enhancement Project, promoted steady reductions in financing costs for inclusive small and micro enterprises, built a digital lending system framework, and served 27,600 online small and micro clients during the year.

In implementing General Secretary Xi Jinping's instructions on "developing inclusive elderly care services" and "building a coordinated elderly care system combining home, community, and institutional care with medical and health services," the Bank focuses on supporting county-level elderly care infrastructure. It strongly supports affordable, high-quality, and sustainably operated inclusive elderly care projects, continuously provides medium- and long-term credit funding, steadily develops pension finance, and contributes to the high-quality development of the silver economy. At year-end, the outstanding balance of elderly care industry loans reached RMB 14.991 billion, up 41.52% year-on-year, mainly supporting inclusive nursing homes, rehabilitation and elderly care centers, integrated medical and elderly care facilities, and comprehensive community elderly service projects.

The Bank strengthens top-level planning for digital finance and innovation-driven development in science and technology, adheres to coordinated overall advancement and key breakthroughs, and actively fosters new productive forces in digital technology to ensure effective implementation of digital finance initiatives. It deeply implements the digital empowerment project, accelerates R&D of key systems, and promotes digital transformation in credit, operations, and office management. The Bank fully explores the value of data elements, integrates big data and artificial intelligence, and introduces technologies such as satellite remote sensing to develop innovative models for capital chain customer discovery, credit risk portfolio limits, and project monitoring, improving marketing efficiency and risk control capabilities while providing technical support for the Bank’s digital transformation. It continues to strengthen digital infrastructure from three aspects—data, technology, and foundational environment—steadily advancing data governance, building a solid data foundation, and establishing core platforms including a basic technology platform, container cloud platform, and artificial intelligence platform. It further strengthens network and data center infrastructure, providing secure, reliable, and scalable foundational support for the Bank's digital transformation.