Climate Change Data

Environmental Metrics

ESG Focus Areas

• Green finance
• Inclusive finance
• Poverty alleviation
• Employee growth

Environmental Achievements

• Established the first green finance division in Jiangxi province.
• On-balance-sheet green credit amounted to RMB2.955 billion.
• Green lending amounted to RMB9.336 billion, covering 535 customers.
• Issued green bonds amounting to RMB4 billion in total.
• Assisted a company in Nanchang with filing and issuing green convertible bonds backed by private equity with a total filing size of RMB500 million.

Social Achievements

• Launched innovative credit products for private small and micro enterprises, implementing a “one county, one product” strategy.
• Established a bill discount center for small and micro enterprises.
• Launched online retail deposit products such as “Fast Saving Deposit”, “Fixed Saving Deposit”, and “Certificate of Deposit”.
• Launched online retail loan products such as “Quick Credit – Pocket Money”, “Quick Tax Loan”, and “Quick Commercial Loan”.
• Handled a total of 421 complaints with a settlement rate of 97.15 percent and a satisfaction rate of 96.09 percent.
• Donated a total of RMB3.904 million and organized 35 volunteer activities.

Governance Achievements

• Successfully listed on the Main Board of the Stock Exchange of Hong Kong Limited (SEHK) on July 10, 2018.
• Established a stringent supplier procurement system and promulgated the Bank of Jiujiang’s Regulations for Public Procurement Management.
• Set up a 24-hour hotline for reporting corruption.
• Conducted a total of 19 anti-money laundering training sessions with 2,892 participants.
• Organized more than 80 anti-money laundering publicity events.

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Established a procurement management system

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: GRI G4.0 Sustainability Reporting Guidelines, Appendix 27 Environmental, Social and Governance Reporting Guide of the Rules Governing the Listing of Securities on the Stock Exchange of Hong Kong Ltd.

Certifications: Null

Third-party Assurance: KPMG Huazhen LLP

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Green bonds
• Green credit
• PV Loans for Farmers
• Smart Loans for Farmers
• Smart Warehouse Loans
• Tangerine Turnover Loan
• Government Purchase Loan
• Pharmaceutical Business Loan
• Home Appliances Loan
• Tax Loan
• Quick Easy Loan
• Safe Rich
• e-Rich
• Accumulate Riches
• Jiu Ying Bao

Awards & Recognition

• Excellent Organization Award
• 2017 Annual Advanced Organization of Communist Youth League
• 2017 Annual China Data Center Operation and Maintenance Excellent Performer
• Active Trader
• Globally ranked 372nd and nationally ranked 64th in the 2018 Top 1000 World Banks
• 2017 National Financial System May Fourth Red Flag Youth League Committee
• Outstanding Performer
• 2018 China Leading Small and Medium-Sized Banks with the Inclusive Finance Award
• Green Bank in Support of Poverty Alleviation
• 2018 Annual City Commercial Bank
• 2018 Bank of Competitiveness and Brand-Building Excellence
• 2018 The Most Popular Financial Institution
• Green Finance Contribution Award
• Caring Bank in Poverty Alleviation Assistance

Environmental Metrics

ESG Focus Areas

• Green Finance
• Inclusive Finance
• Financial Technology
• Customer Centricity
• Employee Well-being
• Poverty Alleviation
• Corporate Governance
• Internal Control
• Anti-corruption
• Social Responsibility
• Community Investment
• AML (Anti-Money Laundering)

Environmental Achievements

• Improved green finance system and standardized green credit management.
• Green credit balance totaled RMB 1.7 billion, an increase of about RMB 1 billion.
• Launched green financial products: PV Loans for Farmers, Green Home Loan, Lashoulicai (wealth management product for waste classification).
• Launched the Green Leasing Connect platform (first green financial leasing platform in China).
• Issued RMB 1 billion in green financial bonds.
• Assisted in the issuance of the first green corporate bonds in Jiangxi and the first green privately placed convertible bonds in Ganjiang New Area.
• Implemented green office measures to reduce paper consumption and promote waste classification.

Social Achievements

• Successfully launched the “901” project, a new core system improving customer experience and operational efficiency.
• Launched innovative financial products tailored to small and micro businesses and agricultural households (e.g., Quick and Flexible Credit series, IP Loan, Smart Loans for Farmers).
• Expanded inclusive financial services through inclusive finance service stations and village-level banks.
• Supported the development of private enterprises through a whitelist for credit extensions and preferential credit policies.
• Helped Huangshan Village achieve its poverty alleviation target.
• Provided financial help to impoverished students.
• Organized Thanksgiving Day donation drive for the 10th straight year.
• Coordinated and participated in nearly 200 other volunteer and micro charity activities.
• Actively participated in the fight against the COVID-19 pandemic by providing financial support and special loans.
• Improved service quality through retail outlet transformation programs and employee training.
• Implemented measures for handling customer complaints and protecting consumer rights.
• Carried out campaigns to spread financial knowledge to the public.
• Launched an anti-money laundering (AML) publicity campaign.

Governance Achievements

• Maintained sound corporate governance in accordance with relevant laws and regulations.
• Organized one general meeting of shareholders and one extraordinary general meeting.
• Held 7 Board meetings and 7 Board of Supervisors meetings.
• Issued 10 announcements to disclose results and information related to corporate governance.
• Established a sound internal control system covering all management and business processes.
• Implemented anti-corruption measures, including anti-corruption training for executive personnel.
• Established the Inspection and Supervision Team of Bank of Jiujiang under the Jiujiang Municipal Supervisory Committee.

Climate Goals & Targets

Environmental Challenges

• Turbulent external environment and complex economic landscape.
• Coronavirus outbreak.
• Financing challenges for tea growers and roasted seed merchants.
• Homogeneity of business (addressed by focusing on micro-finance).
• Need to improve service efficiency and customer experience.

Mitigation Strategies

• Developed green finance and inclusive finance business.
• Improved green finance system and standardized green credit management.
• Launched innovative financial products tailored to specific needs.
• Established inclusive finance service stations and village-level banks.
• Implemented retail outlet transformation programs and employee training.
• Developed measures for handling customer complaints.
• Launched campaigns to spread financial knowledge.
• Provided financial support and special loans during the COVID-19 pandemic.
• Opened green channels for financial services to support anti-epidemic companies.

Supply Chain Management

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: GRI Standards, SEHK’s Guidelines for Environmental, Social and Governance Reporting, Opinions on Strengthening the Social Responsibility of Banking Financial Institutions (former CBRC), Guidelines on Environmental Information Disclosure by Companies Listed on the Shanghai Stock Exchange, Guidelines on the Corporate Social Responsibility of Banking Institutions of China

Third-party Assurance: KPMG Huazhen LLP

Sustainable Products & Innovation

• PV Loans for Farmers
• Green Home Loan
• Lashoulicai
• Green Leasing Connect platform
• Smart Loans for Farmers

Awards & Recognition

• Ranked 330th globally and 13rd nationally in The Banker's 2019 Top 1000 World Banks List.
• Awarded the title of “National Advanced Grassroots Party Organization”.

Environmental Metrics

ESG Focus Areas

• Green Finance
• Inclusive Finance
• Fintech
• Corporate Governance
• Employee Development & Rights
• Social Wellbeing
• Customer Rights

Environmental Achievements

• Launched the first carbon credit pledge financing business and the first green carbon linked loan in Jiangxi Province
• Green credit balance totalled RMB17.612 billion, up RMB5.848 billion from the beginning of the year.
• Implemented rules on green implementation, raised employees’ awareness in low-carbon, environment-friendly development and achieved the sustainability goal of cutting costs and raising efficiency.
• Achieved zero carbon emission for the Fourth Joint Conference on Green Finance Reform and Innovation Pilot Zones by purchasing forest carbon-sink.

Social Achievements

• Reduced fees and surrendered profits of RMB319 million for small and micro enterprises.
• Invested nearly RMB70 million in respecting the elderly and caring for the young, helping the poor, helping students and doctors, and supporting the army and their families over the past ten years.
• Launched online credit products such as “Mobile Phone Happy Loan-Business Super Loan” and “Mobile Phone Happy Loan-Tax Loan”, improved the approval efficiency of credit loans, and increased support for small and micro enterprises.
• Established long-term relationships with local social welfare institutions and special schools. Paid regular visits and organised donations.

Governance Achievements

• Established the Inspection and Supervision Team of Bank of Jiujiang which is directly under the leadership of the Jiujiang Municipal Supervisory Committee.
• Formulated the Compliance Handbook to establish a compliance culture.
• Established a centralised procurement management system.

Climate Goals & Targets

Environmental Challenges

• Difficulties faced by small and micro enterprises and industrial and commercial households due to the pandemic.
• Difficulties in green and low-carbon sectors obtaining finance.

Mitigation Strategies

• Launched special financial products and increased credit support for small and micro enterprises.
• Implemented the policy on deferred repayment of principal and interest for small and micro enterprises.
• Introduced ESG-themed green finance and wealth management; launched the first pledge of carbon emission rights in Jiangxi province; and launched the first sustainability linked loan in Jiangxi province.

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Requires product suppliers to have ISO14001 environmental management system certification
• Requires suppliers to provide less toxic and hazardous products, save resources and protect the environment

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: GRI G4, former CBRC’s Opinions on Strengthening the Social Responsibility of Banking Financial Institutions, Shanghai Stock Exchange’s Guidelines on Environmental Information Disclosure, China Banking Association’s Guidelines on the Corporate Social Responsibility of Banking Institutions of China

Certifications: Null

Third-party Assurance: KPMG Huazhen LLP

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• ESG-themed green finance and wealth management
• Jiuyin green bill financing
• Photovoltaic agricultural loans
• Loans pledged by live cattle
• Jiuyin E-Chain
• Electronic Letter of Guarantee
• Tax Easy Loan

Awards & Recognition

• Jiangxi Meritorious Enterprise of the Year
• 2020 Caring Enterprise
• 2018-2020 Outstanding Performer in Green Finance in Jiangxi Province
• 2020 Green Finance Contribution Award
• Meritorious Enterprise of the Year in Jiangxi
• Loving Enterprise in 2020

Environmental Metrics

ESG Focus Areas

• Green finance
• Inclusive finance
• Digital transformation
• Customer service
• Social welfare
• Employee well-being
• Corporate governance

Environmental Achievements

• Became the first urban commercial bank in China to join the Partnership for Carbon Accounting Financials (PCAF)
• Launched the first mortgage loan for wetland management rights in Jiangxi province
• Completed its first “Carbon Efficiency Loan” in Hukou county
• Green loan balance increased by 47% year-on-year to RMB25,889 million

Social Achievements

• Won the “Commercial Bank’s Inclusive Finance Outstanding Contribution Award”,
• Set up 639 inclusive financial service stations throughout Jiangxi province
• Donated nearly RMB6.35 million to various social welfare and charitable activities
• Implemented various preferential financial policies, strengthening support for enterprises and reducing costs

Governance Achievements

• Improved corporate governance system
• Established the Inspection and Supervision Team under the Jiujiang Municipal Supervisory Committee to strengthen anti-corruption measures
• Issued 76 regulations and measures, revised 154 measures to improve systems across the bank
• Improved internal control system

Climate Goals & Targets

Environmental Challenges

• Financing difficulties faced by MSEs and agricultural sector
• Environmental risks associated with lending
• Maintaining data security and customer trust

Mitigation Strategies

• Developed innovative financial products (e.g., Carbon Efficiency Loan, various inclusive finance products)
• Implemented robust risk management systems and internal controls
• Strengthened data security measures and customer protection policies
• Improved customer service channels and processes

Supply Chain Management

Responsible Procurement

• Centralised procurement management system
• Requirement for ISO14001 certification for product suppliers

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: GRI Standards, Opinions on Strengthening the Social Responsibility of Banking Financial Institutions (former CBRC), Guidelines on Environmental Information Disclosure by Companies Listed on the Shanghai Stock Exchange, Guidelines on the Corporate Social Responsibility of Banking Financial Institutions of China

Third-party Assurance: KPMG Huazhen LLP

Sustainable Products & Innovation

• Carbon Efficiency Loan
• Green Home Loan
• Jiuyin green bill financing
• Smart Loan for Rich Farmers
• Photovoltaic agricultural loan

Awards & Recognition

• 2021 Green Finance Contribution Award
• Outstanding Group in Green Finance Reform in Jiangxi Province
• 2022 Outstanding Performer in Green Finance
• Commercial Bank’s Inclusive Finance Outstanding Contribution Award
• Meritorious Enterprise of Jiangxi Province

Environmental Metrics

ESG Focus Areas

• Green finance
• Inclusive finance
• Digital transformation
• Employee well-being
• Corporate governance
• Social responsibility

Environmental Achievements

• Green loan balance of RMB 334.58 million (increase of RMB 7,569 million or 29.24% compared to the beginning of the year).
• Supported 10 carbon emission reduction projects, resulting in a total annual emission reduction of 78,600 tons of carbon dioxide equivalent.
• Launched innovative green financial products such as “Carbon Efficiency Loan”, “Digital and Carbon Financing”, and “Photovoltaic Loan”.

Social Achievements

• Total charity donations of RMB 4.91 million.
• Established 71 rural revitalisation financial service stations, providing services to 17 counties (districts), 63 townships, 971 administrative villages and 133 communities.
• Implemented various initiatives to protect consumer rights and interests, including improving the consumer protection system and strengthening inter-departmental coordination.

Governance Achievements

• Improved internal control system, including strengthening risk assessment and control measures.
• Enhanced compliance management system, including issuing new regulations and measures and improving employee behavior management.
• Strengthened procurement management system, including establishing a centralized procurement management system and implementing strict supplier selection criteria.

Climate Goals & Targets

Environmental Challenges

• Conducting an impact analysis
• Choosing the right performance measurement methodology/ies
• Customer engagement
• Stakeholder engagement
• Data availability
• Data quality

Mitigation Strategies

• Actively explored carbon accounting using PCAF methodology.
• Increased access to green credit by including green finance development in overall performance evaluation.
• Implemented various initiatives to improve customer engagement and stakeholder communication.
• Strengthened database capacity building and enhanced data quality through normalized governance.

Supply Chain Management

Responsible Procurement

• Centralised procurement management system
• Strict supplier selection criteria (including ISO14001 certification)

Climate-Related Risks & Opportunities

Opportunities

• Development of energy-efficient products and services

Reporting Standards

Frameworks Used: GRI Standards, TCFD, Principles for Responsible Banking (PRB), HKEX ESG Reporting Guide

Third-party Assurance: KPMG Huazhen LLP and SynTao Green Finance

Sustainable Products & Innovation

• Carbon Efficiency Loan
• Digital and Carbon Financing
• Photovoltaic Loan

Awards & Recognition

• National Excellent Rural Main Sponsoring Bank
• 2022 Advanced Unit of Green Finance
• Third Ganpo Charity Award
• 2022 Citywide Voluntary Blood Donation Promotion Award