Climate Change Data

Environmental Metrics

ESG Focus Areas

• Party Building and Guidance
• Compliance Development
• Serving the Real Economy
• Inclusive Finance
• Public Welfare Activities
• Targeted Poverty Alleviation
• Customer Service
• Technology Revolution
• Staff Development
• Employee Welfare
• Green Finance
• Environmentally-friendly Development

Environmental Achievements

• Reduced head office power consumption to 1,051,662 kWh in 2017 from 1,035,026 kWh in 2016
• Reduced head office water consumption to 6,646 tons in 2017 from 5,423 tons in 2016
• Reduced head office paper consumption to 779,500 sheets in 2017 from 700,000 sheets in 2016
• Implemented green credit policies, supporting energy conservation and environmental protection industries.
• Advocated green operations and implemented green office practices.

Social Achievements

• Launched "Happy Three Smalls" service brand for small businesses, including various credit products.
• Improved capabilities of providing financial services for agriculture, rural areas, and farmers.
• Supported the development of emerging industries, with a loan balance of RMB1.895 billion.
• Promoted inclusive finance through the "Two Grassroots Mobilization" model.
• Actively participated in public welfare activities, including poverty alleviation and community service.
• Improved employee benefits and provided career development opportunities.
• Organized various cultural and sports activities to enrich employees' leisure life.

Governance Achievements

• Strengthened Party building and corporate governance.
• Implemented comprehensive risk management and compliance-based operation.
• Established a comprehensive internal control compliance mechanism.
• Implemented anti-money laundering measures and intellectual property right protection.
• Established the Consumers’ Rights and Interests Protection Office.

Climate Goals & Targets

Environmental Challenges

• Complex and rigorous economic and financial regulatory environment.
• Risk management in a changing business environment.

Mitigation Strategies

• Implemented business principles of “changing models, adjusting structure, controlling risks and stabilizing development”.
• Comprehensive optimization of risk management in accordance with CBRC guidelines.
• Improved risk preference system, risk management methods, and risk reporting framework.
• Established a credit risk stress testing system.

Supply Chain Management

Responsible Procurement

• Centralised procurement and management
• Prioritising suppliers with environmentally friendly certificates
• Emphasis on repeated use and recycling of products and energy saving
• Compliance with procurement laws and regulations, good faith, and fair competition
• Life cycle cost consideration in equipment procurement

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: GRI4.0, Appendix 27-Guidelines for Environmental, Social and Governance Reporting to the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited, Opinions on Strengthening the Social Responsibility of Banking Financial Institutions of China Banking Regulatory Commission, Guidelines of the Shanghai Stock Exchange on Environmental Information Disclosure of Listed Companies of the Shanghai Stock Exchange, Guidelines of the China Banking Association on the Corporate Social Responsibility of Banking Institutions of China

Third-party Assurance: KPMG Huazhen LLP

Awards & Recognition

• 2017 National Top Ten Commercial Banks Supporting the Development of Small and Medium Enterprises
• Special Contribution Enterprise for Poverty Alleviation in Jinzhou City
• 2016 Best City Commercial Bank Award

Environmental Metrics

ESG Focus Areas

• Corporate Governance
• Serving the Society and Benefiting the Public
• Contributing and Dedicating Itself to Social Welfare
• Embracing Service and Technology Innovation
• Taking Care of Employees and Developing with Them
• Protecting and Building the Green World Together

Environmental Achievements

• Headquarters saved 61,000 kWh electricity compared to 2017 consumption.
• 82.8% replacement rate of e-banking business, significantly contributing to saving office resources and reducing transportation-related carbon emissions.

Social Achievements

• Launched various social responsibility initiatives, including free clinics, community events, and donations to schools and welfare homes.
• Improved service quality through training programs focusing on service etiquette and improvement.
• Implemented women's entrepreneurial loan business to help clients overcome financial difficulties.
• Supported the development of emerging industries, including high-end equipment manufacturing and new energy.
• Provided financial services for agriculture, rural areas, and farmers, including innovative financial products and simplified loan procedures.

Governance Achievements

• Continuously improved corporate governance system and upgraded corporate governance level.
• Established an independent internal control organization structure.
• Implemented anti-money laundering and anti-terrorism financing measures.
• Maintained a record of zero non-compliance cases.
• Strengthened intellectual property protection.

Climate Goals & Targets

Environmental Challenges

• Supply chain disruptions due to swine fever epidemic impacting farmers.
• Liquidity gaps faced by some clients.
• Need to further improve internal knowledge deposition.

Mitigation Strategies

• Developed appropriate financial products for clients facing liquidity gaps.
• Provided loans to help farmers diversify their businesses and overcome funding shortages.
• Launched the "Jinxiansheng" internal trainer training program to address insufficient internal knowledge deposition.

Supply Chain Management

Responsible Procurement

• Prioritizing suppliers with green qualifications and certifications.
• Strengthening concerns over product reuse, material recycling, and resource saving.

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: SEHK ESG Reporting Guide

Third-party Assurance: CECEP (HK) Advisory Company Limited

Awards & Recognition

• "2017-2018 National Excellent Rural Sponsoring Bank"
• "2018 National Top Ten Commercial Banks for Supporting the Small and Medium Sized Enterprises Development"
• "2018 Regional Commercial Bank Mobile Application Innovation Award"
• "2018 Junding Award for City Commercial Bank (Rural Commercial Bank) Wealth Management Brand"
• "2018 Inclusive Finance Practice Organization"
• "Provincial Advanced Unit of Secrecy Work"
• "Best Ten Bank Smart Branch Innovation Award"
• "Excellent Learning and Leisure Enjoying" online learning platform awarded "Excellent Mobile Learning Application Award"
• "Excellent Organization for Financial Knowledge Publicity and Education"

Environmental Metrics

ESG Focus Areas

• Lawful Operation
• Risk Management
• Serving the Society
• Benefiting Livelihood of Citizens
• Innovation
• Intelligence Evolution
• Charity
• Dedication
• Caring for Employees
• Protecting the Environment
• Corporate Governance

Environmental Achievements

• Implemented green credit strategy, supporting environmental-friendly projects.
• Achieved 85.09% e-banking replacement rate, reducing paper consumption and indirect carbon emissions.

Social Achievements

• Launched "Chunjin Initiative" to support enterprises during COVID-19, donating RMB 2.55 million to Wuhan.
• Implemented inclusive finance initiatives, serving small and micro enterprises and rural communities.
• Developed "Caring Loan for Agriculture, Rural Areas and Farmers" product series.
• Organised various employee welfare activities, including sports events and health education.

Governance Achievements

• Improved corporate governance mechanism, adhering to relevant requirements in the Corporate Governance Code.
• Established independent Board of Directors, Board of Supervisors, and senior management.
• Strengthened anti-corruption measures and internal control systems.
• Implemented anti-money laundering policies and procedures.

Climate Goals & Targets

Environmental Challenges

• Severe operating conditions and complicated development environment.
• Impact and internal operating pressure from unforeseen events (COVID-19).
• Need to continuously improve sustainability strategies based on stakeholder feedback.

Mitigation Strategies

• Prioritised stable operation and fulfilling social responsibilities.
• Proactively tackled crises and steadily promoted reform and reorganization.
• Established a scientific risk concept and reformed the culture of operation compliance.
• Improved service quality and expanded inclusive finance strategies.
• Strengthened stakeholder engagement through diversified communication channels.

Supply Chain Management

Responsible Procurement

• Administrative Measures on Procurement for Bank of Jinzhou

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: Appendix 27 of the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited, Environmental, Social and Governance Reporting Guide

Third-party Assurance: CECEP (HK) Advisory Company Limited

Awards & Recognition

• 2018 Banking Information and Technology Risk Management Research Project Achievement Award
• 2019 Best Mobile Banking Innovation Award
• 2019 年度銀行營業網點服務企業標準「領跑者」
• 2019 Youth Employees Comprehensive Service Ability Competition in Liaoning’s Financial System group champion
• 遼寧省金融五一勞動獎狀
• 遼寧省金融先鋒號
• 綜合業務知識競答單項團體獎第一名
• 服務能力展示單項團體獎第三名
• 2018 Caring Enterprise of National Charity Association
• 2019 China UnionPay Cardless Business Cooperation Advanced Units
• 2018 Excellent City Commercial Bank of the National Banking Industry in terms of Financial Information Registration Work
• May Fourth Red Flag Youth League Committee
• Top Ten Private Enterprise Financial Service Innovation Award
• 2017-2018 Promotion Activities of Financial Knowledge in Liaoning’s Banking Industry Best Performer