Climate Change Data

Environmental Metrics

ESG Focus Areas

• Corporate Governance
• Risk Management
• Compliance
• Rural Revitalization
• Industrial Transformation
• Support for SMEs
• Green Finance
• Low-Carbon Operations
• Customer Service
• Employee Well-being
• Community Investment

Environmental Achievements

• Green credit balance reached RMB 9.923 billion (35.3% increase year-on-year)
• RMB 1 billion in green bonds issued, all proceeds allocated to certified green projects
• Total greenhouse gas emissions of 24,000 tons of carbon dioxide (reduction from 28,700 tons in 2021)
• Implemented energy-saving measures reducing energy consumption

Social Achievements

• RMB 15.58 million in charity and donations
• Supported over 34,000 SMEs
• Allocated RMB 80 billion over three years to help enterprises and individuals
• Launched initiatives to support women's innovation and entrepreneurship
• Improved customer satisfaction rate to over 99%

Governance Achievements

• Optimized corporate governance structure
• Strengthened risk management system, resulting in a non-performing loan ratio of 0.90%
• Improved compliance system and anti-corruption measures
• Enhanced protection of shareholder rights

Climate Goals & Targets

Environmental Challenges

• Climate change related physical and transition risks
• Maintaining adequate supply of funds for SMEs
• Managing customer complaints effectively

Mitigation Strategies

• Implemented climate risk assessment and stress testing
• Introduced relief measures for SMEs, including special funds and preferential interest rates
• Improved customer complaint management mechanisms and response times

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Incorporating environmental and social responsibility indicators into supplier evaluation system
• Prioritizing energy-saving and environmental protection products
• Requiring suppliers to provide social security payment certificates

Climate-Related Risks & Opportunities

Physical Risks

• Extreme weather events (storms, floods, heat waves)
• Long-term climate pattern changes (ocean acidification, sea level rise)

Transition Risks

• Changes in climate and environmental policies, technology, investor preferences, and public sentiment

Opportunities

• Development of green financial products and services

Reporting Standards

Frameworks Used: Appendix 27 Environmental, Social and Governance (ESG) Reporting Guidelines of the Rules Governing the Listing of Securities on the Stock Exchange of Hong Kong Limited, GRI Sustainability Reporting Standards, Opinions of the China Banking Regulatory Commission on Strengthening the Social Responsibility of Banking Financial Institutions, Guidelines of the China Banking Association on Corporate Social Responsibility of Banking Financial Institutions

Certifications: ISO 20000 Information Technology Service Management System, ISO 27001 Information Security Management System

Third-party Assurance: SGS

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Green credit products
• Green bonds

Awards & Recognition

• Dongguan City Government Quality Award
• Dongguan City Benefit Contribution Award
• Dongguan Civilized Unit
• National Role Model Bank of Rural Commercial Bank
• China Top 500 Private Enterprises
• Best Rural Commercial Bank of the Year
• Annual Special Contribution Award for Supporting Local Economic Development
• Gold award of “the Most Beautiful Financial Consumer” in Guangdong Banking and Insurance sector
• 2022 Voice of the Day of Guangdong
• Advanced Unit of Financial Consumer Protection in Dongguan
• Advanced Unit of Deposit Insurance Promotion
• Top 10 Best Employers in Dongguan in 2022