The Bank expands its range of green finance products for consumers to stimulate demand for green consumption and encourage more customers to adopt eco-friendly and low-carbon lifestyles.

Green mutual fund products

• The Bank continues to distribute green-themed mutual funds in industries of ecological and environmental protection, low carbon development, new energy, new materials, carbon neutrality, etc. By the end of 2024, it distributed green-themed mutual funds, with an outstanding size of RMB4,243 million.

Green-themed wealth management products

• The Bank actively introduces ESG, green, and other themed wealth management products. By the end of 2024, it cumulatively distributed ESG and green-themed wealth management products, with an outstanding size of RMB76,573 million.
• The Bank has launched ESG-themed privately offered products, most of which are used to invest in industrial bonds of green and low-carbon enterprises. By the end of 2024, these products posted a cumulative sales volume of RMB409 million.

Green, low-carbon bank cards

• Debit cards: The Bank launched green and low-carbon debit cards in Shanghai and Qinghai for a trial run before any other places in China. BOC Shanghai Branch upgraded its "Green, Low-carbon Card", and made it support the functions of the government's green account platform, to create the industry's first debit card in the "waste sorting + low carbon" concept. BOC Qinghai Branch used these debit cards and the green account privilege platform of the mobile banking app to build an "account + benefit" service system. Combining the upgrading of green industries with the upgrading of green spending, the system could encourage the public to adopt a green or low-carbon lifestyle in their daily life and extended scenarios.
• Credit cards: The Bank better developed green, low-carbon credit cards. It continued the "1-2-3-4 Green Travel" campaign (1 penny for one shared bike ride, 80% off bus fare, 70% off metro fare, and 60% off high-speed rail fare) to persuade the public into low-carbon habits.

Green consumption services

• The Bank has carried out "Head Office-to-headquarters" cooperation with more than 10 mainstream new energy vehicle (NEV) manufacturers in the market to launch diversified preferential products with a view to reducing the financial costs of car buyers.

Meanwhile, it has also enhanced its capabilities for offering instalment financing options for NEVs. The entire lending process from order taking, to loan approval, to fund disbursement was brought online to improve the customer service experience.

Personal carbon accounts

• The Bank has unveiled personal carbon accounts, and constructed a carbon reward points accounting system for individual customers, in which their green behavior under personal banking scenarios such as utility and bill payment, as well as life scenarios such as walking, would be converted into carbon emission reduction reward points to advocate low-carbon lifestyles.