Climate Change Data

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Reduced carbon emissions (Specific figures not provided, but data on energy and water consumption is available in the report)
• Increased green loan balance to 52.15 billion yuan, a 39% year-on-year increase

Social Achievements

• Launched various initiatives to support poverty alleviation, including financial aid and infrastructure development
• Provided financial support for epidemic prevention and control, and business resumption
• Implemented employee wellbeing programs, including a psychological counseling center
• Achieved 99.73% customer complaint resolution rate

Governance Achievements

• Strengthened internal control system and compliance management
• Improved information disclosure practices
• Enhanced risk management framework

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Green procurement practices

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: GRI G4.0, HKEX ESG Reporting Guide

Certifications: Null

Third-party Assurance: Ernst & Young Hua Ming LLP

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Green loans, green bonds

Awards & Recognition

• Top 10 Inclusive Finance City Commercial Banks
• 2020 China Green Finance Innovation Bank Pioneer Award
• 2020 China Golden Tripod Award - Annual Fintech Progress Award
• 2020 Annual Gold Medal Financial Product Award
• Best Innovative Small and Medium-sized Bank
• Shanxi Provincial Civilized Unit Vanguard

Environmental Metrics

ESG Focus Areas

• real economy service
• digital transformation
• financial consumer rights protection
• climate risk stress test
• talent training
• supporting the development of small and micro enterprises
• promoting green development
• compliance operation
• Fintech applications
• comprehensive risk management and control
• information disclosure
• stakeholder communication
• protecting rights and interests
• anti-money laundering of minority shareholders
• protecting intellectual property rights
• anti-corruption
• information security and customer privacy protection
• customers’ complaints handling
• green finance
• practicing inclusive finance
• promoting rural revitalization
• optimizing credit structure

Environmental Achievements

• Completed a climate risk stress test and published the first Environmental Information Disclosure Report.
• Green loan balance was RMB9.082 billion.
• RMB100 million green debt financing scheme to support the development of green economy.

Social Achievements

• A female director joined the Board of Directors, further promoting its diversity.
• 348 consumer complaints were addressed with a 100% customer handling rate.
• Replacement rate of e-banking was 89.16%.
• Total volunteer service time of employees was approximately 245.50 hours, the total number of employee volunteers was approximately 456 and the number of beneficiaries was 3,971.
• Employees purchased over RMB500,000 of agricultural products and donated 10,600 ml of blood.

Governance Achievements

• Amended and issued the Articles of Association in accordance with the latest regulatory requirements.
• Revised the Rules of Procedure of the General Meeting of Shareholders and the Rules of Procedure of the Board of Directors.
• Improved compliance in the management of related party transactions.
• Completed the distribution of dividends on Domestic Shares and H Shares for 2021.
• Issued 46 information disclosure documents on Hong Kong Stock Exchange.

Climate Goals & Targets

Environmental Challenges

• Many uncertain factors in China’s economy, resulting in large pressure on economic downturn and increasing pressure on the dual-control of energy consumption.
• Climate risk and environmental risk to the long-term stable operation of society.

Mitigation Strategies

• Integrated the overall and forward-looking concept of risk management into all links of operation management.
• Improved the initiative and forward-looking of risk prevention and control.
• Established the climate risk sensitivity pressure test project team.
• Incorporated environmental and social risk management requirements into the process management of customer investigation and credit business review.

Supply Chain Management

Responsible Procurement

• gives preference to suppliers with more environmental and sustainable development concepts

Climate-Related Risks & Opportunities

Reporting Standards

Frameworks Used: HKEX ESG Reporting Guide

Third-party Assurance: KPMG Huazhen LLP

UN Sustainable Development Goals

• Goal 1
• Goal 8
• Goal 13

Sustainable Products & Innovation

• green debt financing plan product
• green loan
• agricultural guarantee loan
• contract energy management
• green innovation investment
• carbon emission rights pledge loan

Awards & Recognition

• 2022 ESG Practice Tianji Award of China Banking Industry
• 2022 Excellent Case Award of China Economic Information Service Carbon Peaking and Carbon Neutrality
• Outstanding Contribution Award for UnionPay Credit Card of Jinshang Bank
• 2022 Outstanding Credit Card of Jinshang Bank
• 2022 Annual Favorite Credit Card Award of Jinshang Bank
• Annual Wealth Management Award
• 2022 Excellent Innovative Asset Management Bank
• 2022 Outstanding Innovative Banking Wealth Management Product
• “Iron Horse – Most Characteristic Small and Medium-Sized Bank in Business” Award
• Excellent Case Award for City Commercial Banks Scenarios Finance Innovation
• 2022 Digital Finance Golden List Award of Jinshang Bank
• Excellent Case Award of Zhanxin Fintech 2022 Innovative Application
• 2021 “National Copyright Demonstration Unit (Software Legalization)”