Serving sci-tech innovation. Bank of China has developed a "1+2+3+4" service system to support specialized, sophisticated, distinctive, and innovative small and medium-sized enterprises (SMEs), addressing their financing needs throughout the entire business life cycle.

• “1” - One Track: A dedicated growth roadmap guiding enterprises’ from start-up to maturity, progressing from innovation-oriented SMEs to specialized, sophisticated, distinctive, and innovative SMEs, then to "little giant" enterprises, and ultimately to national manufacturing champions.
• “2” - Two Drivers: A dual-engine model that integrates bank credit and comprehensive financial services.
• “3” - Three Scenarios: Services designed to support innovation-driven transformation, strengthen and supplement industrial chains, and facilitate international expansion.
• “4” - Four Enablers: Targeted support tools, including dedicated service policies, dedicated service platforms, dedicated service events, and a professional teams. 

Moreover, the bank continues to advance client outreach along five pillars: expanding credit, enhancing bank-government cooperation, promoting integrated coordination, facilitating direct financing, and benefiting enterprises.

In the first half of 2025, as of the end of June 2025, across BOC's operations, outstanding credit to national- and provincial-level specialized, sophisticated, distinctive, and innovative enterprises reached 736.2 billion yuan ($103.29 billion), an increase of 132.8 billion yuan from the end of the previous year. The bank served 50,000 clients, and the credit coverage rate stood at 30.93 percent, up 5.32 percentage points from the beginning of the year. Both the balance and the coverage rate were industry-leading among peers. 

The bank has endeavored to serve people’s livelihoods consumption and support stabilizing and expanding employment. It was the first financial institution to cooperate with the Ministry of Human Resources and Social Security to launch special loans for stabilizing and expanding employment, and for four consecutive years it has carried out the Inclusive Loan for Employment Promotion, providing one-stop comprehensive financial services covering credit services, employment matchmaking, insurance coverage, savings and consumption services, investment and wealth management, skills training, and policy publicity.

In the first half of 2025, a total of 319.689 billion yuan in special loans for stabilizing and expanding employment were issued by BOC to 65,500 customers on the recommended list from local human resources and social security departments. As of the end of June, the outstanding balance of stabilizing and expanding employment loans stood at 436.425 billion yuan, benefiting 92,300 borrowers. 

The bank continues to support household businesses and increase its support for specialized, sophisticated, distinctive, and innovative enterprises, as well as those in the upstream and downstream industries, business districts, new urban residents, and other key customer groups. By the end of the first half of 2025, the outstanding balance of operating loans to household businesses reached 394.422 billion yuan, with an increase of 42.913 billion yuan compared to the previous year, representing a growth rate of 12.21 percent.

The bank actively serves rural vitalization and has made steady progress in the agricultural sector. As of the end of June 2025, BOC's outstanding balance in agricultural loans reached 2.87 trillion yuan, an increase of 367.422 billion yuan from the beginning of the year, with a growth rate of 14.69 percent. It has increased credit investments in key sectors and launched targeted solutions, such as the Aquaculture Loan and Fishery Loan for marine fishery. By the end of June, the outstanding balance of loans to the agricultural, forestry, animal husbandry, and fishery industries stood at 157.605 billion yuan, an increase of 20.287 billion yuan from the beginning of the year, with a growth rate of 14.77 percent.

The bank has also formulated and promoted the "loan for grain planting" financial service solution, focusing on key grain-producing regions across the country, and increasing financing support for the entire industry chain of major grain crops. As of the end of June 2025, the outstanding balance of loans in key grain sectors was 189.457 billion yuan, an increase of 49.8 billion yuan from the end of the previous year, with a growth rate of 35.62 percent.

It has increased marketing efforts targeting projects on the Ministry of Agriculture and Rural Affairs' list of key projects for agricultural and rural infrastructure construction. By the end of June, BOC's outstanding balance of agricultural infrastructure construction loans reached 342.744 billion yuan, an increase of 35.592 billion yuan from the beginning of the year, with a growth rate of 11.59 percent. 

It has also responded to the Ministry of Agriculture and Rural Affairs' fast-track credit initiative as part of its routine operations. BOC has deepened its financial services in sectors such as seed industry revitalization and agricultural technology. As of the end of 2024, BOC's outstanding balance of loans in the seed industry exceeded 10 billion yuan, and the outstanding balance of loans for agricultural machinery manufacturing surpassed 4 billion yuan.

The bank actively serves foreign exchange and foreign trade. In 2014, it pioneered the "BOC Global SME Cross-Border Matchmaking Services", the first of its kind globally, and in 2017 launched the BOC e-Enterprise cross-border matchmaking platform. As of now, the platform has over 300,000 registered users. The platform is designed to create a comprehensive financial ecosystem that integrates multiple operations, including cross-border cooperation, customer connection, government investment promotion, and comprehensive banking services. It has now evolved into a diversified development model centered around matchmaking activities, with a 24/7 continuous supply-demand interaction and various operations working in coordination. 

As of now, BOC has hosted 133 matchmaking events globally, providing financing and intellectual services to over 50,000 enterprises across more than 140 countries and regions, with a total intended transaction value of $66.9 billion, contributing to the establishment of a new development pattern of dual circulation. It supports local governments in attracting investment by setting up dedicated investment promotion areas on the BOC e-Enterprise platform, creating an efficient and convenient communication and matchmaking platform. Through initiatives such as establishing the BOC agricultural livestreaming room, opening up a rural vitalization section, and setting up a farm products display area, it has promoted the sales of high-quality agricultural products such as Malan Red Apples from Xianyang city, Shaanxi province, and supported investment promotion in targeted poverty alleviation areas.