HARBIN BANK CO., LTD. 2019 ENVIRONMENTAL, SOCIAL AND GOVERNANCE REPORT

Year: 2019
Published: 2020-05-22
Status: Processed

Extracted ESG KPIs

KPIs are organized by ESG aspects.

Total non-hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).

Indicator Unit 2017 2018 2019 Report Pages
Sewage discharge (cubic metres) cubic metres 58962 39744 40164 43
Sewage discharge (cubic metres) - Harbin Branch cubic metres 29850.19 69257 22904 43
Toner cartridge used (pieces) pieces 132 137 149 43
Toner cartridge used (pieces) - Harbin Branch pieces 5998 9352 22904 43

Direct and/or indirect energy consumption by type (e.g. electricity, gas or oil) in total (kWh in '000s) and intensity (e.g. per unit of production volume, per facility).

Indicator Unit 2017 2018 2019 Report Pages
Diesel consumption (litres) litres 2700 3500 1200 43
Diesel consumption (litres) - Harbin Branch litres 13790 850 311 43
Natural gas consumption (cubic metres) cubic metres 80304 78000 115769 43
Natural gas consumption (cubic metres) - Harbin Branch cubic metres 20153 23800.65 25794.17 43
Number of smart cabinets 134 218 60
Petrol consumption (litres) litres 39223 34285 37262 43
Petrol consumption (litres) - Harbin Branch litres 192931 45737.78 12471.53 43
Power consumption (kWh) kWh 6906177 6247487 6884000 43
Power consumption (kWh) - Harbin Branch kWh 6652382 6002126 14306725 43

Water consumption in total and intensity (e.g. per unit of production volume, per facility).

Indicator Unit 2017 2018 2019 Report Pages
Water consumption (tons) tons 58952 40178 50564 43
Water consumption (tons) - Harbin Branch tons 52246.73 46311.69 78895.89 43

Total packaging material used for finished products (in tonnes) and, if applicable, with reference to per unit produced.

Indicator Unit 2017 2018 2019 Report Pages
Office paper consumption (tons) tons 9 9.8 12.63 43
Office paper consumption (tons) - Harbin Branch tons 55.6 75.2 165.3 43
Voucher paper saved million pieces 5.32 41

Description of the significant impacts of activities on the environment and natural resources and the actions taken to manage them.

Indicator Unit 2017 2018 2019 Report Pages
Investment amount in 2 new green projects million RMB 844 30
LEED Silver Certification for headquarters building LEED (2009 CORE AND SHELL DEVELOPMENT) Silver 42
Total amount of green financial bonds issued billion RMB 5 30
Total investment amount in green projects by green financial bonds billion RMB 3.473 30

Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.

Indicator Unit 2017 2018 2019 2020 Report Pages
Aged 35-45 person 1431 2057 2603 49
Aged above 45 person 703 968 910 49
Aged under 35 person 4600 3706 3978 49
Average return on equity % 13.5 12.68 7.41 15
Average return on total assets % 0.96 0.94 0.61 15
Full-time staff, Female person 3833 3856 3962 49
Full-time staff, Male person 2910 2872 2979 49
General meeting and class meeting of shareholders (No.) 6 3 3 70
Harbin Economic Development and Investment Company shareholding in Harbin Bank % of domestic shares, % of total shares, shares 29.63 71
Increase in customer deposits compared to end of last year billion RMB 30 9
Junior management person 948 1128 1123 49
Number of BCDMs 423 475 472 60
Number of duty diaries recorded by Harbin Bank employees during Spring Festival Duty Diary activity duty diaries 60 86
Number of employees achieved promotion in rank or salary through the points system for the performance review results employees 2400 47
Number of headquarters business departments 1 1 1 60
Number of staff selected and reserved for the head office staff 4 10
Proportion of female management staff % 46 51.11 50.36 15
Proportion of female staff % 56.84 57.3 57.08 15
Ranked 13th in the City Commercial Banks with an Asset Size of more than RMB200 billion in 2018 for the Ranking of the GYROSCOPE Evaluation System rank 13 73
Ranked 271st in the Brand Finance Global 500 2019 rank 271 73
Ranked 34th among the 2018 China Banking Top 100 List rank 34 73
Senior management person 13 16 17 49
Technical staff person 5536 5533 5582 49
Total amount withdrawn by Zhongyi Group from Harbin Bank for purchase of medical materials and salary payment for hospital employees million RMB 200 86
Total assets RMB million, billion RMB, million RMB 564255.2 615588.5 583089.4 13, 15, 53
Total loans and advances to customers billion RMB 2863.6041 53
Total number of cross-border transfers of RMB cash 22 57
Total personal loans RMB100 million 1183.758 1153.873 1190.839 56
Total staff Person 6743 6728 6941 15
Year-on-year increase in total retail deposits % 32.72 53

Employee turnover rate by gender, age group and geographical region.

Indicator Unit 2017 2018 2019 Report Pages
Operating income RMB million, billion RMB 14133.6 14325.4 15.1244 15, 53
Staff turnover rate aged 35-45 % 3.1 3.7 3.08 50
Staff turnover rate aged above 45 % 1.54 2.07 1.54 50
Staff turnover rate aged under 35 % 5.68 6.88 4.66 50
Staff turnover rate female staff % 4.16 4.56 3.33 50
Staff turnover rate male staff % 5.38 6.09 4.36 50

Description of occupational health and safety measures adopted, and how they are implemented and monitored.

Indicator Unit 2020 Report Pages
Death benefit and hospitalisation insurance coverage for frontline workers in Harbin million RMB per person (household) 1 87
Number of frontline workers covered by insurance in Harbin workers 500 87
Total insurance coverage for frontline workers in Harbin million RMB 500 87

The percentage of employees trained by gender and employee category (e.g. senior management, middle management).

Indicator Unit 2017 2018 2019 Report Pages
Internal training (headquarters) session 200 166 172 49
Number of employees covered by 'Leaders' Training Program' employees 2500 10
Number of employees covered by 'embark, ride, cruise, escort and voyage' training system employees 10706 10
Number of external training sessions for selected staff sessions 163 48
Number of head office level trainers persons 65 48
Number of internal training sessions sessions 581 48
Number of staff participated in talents exchange and secondment between the head office and branches staff 37 47
Number of staff participated in talents training and secondment staff 37 10
Number of trainees selected and reserved for the head office trainees 71 47
Number of trainees who were promoted trainees 34 47
Number of training sessions (excluding subsidiaries) sessions 744 48
Operating management person 246 231 229 49
Total training (headquarters) person 8200 6060 5890 49
Training completion rate 100% 48
Training coverage rate 100% 48
Training for Directors and Supervisors (No.) 2 2 1 70

The average training hours completed per employee by gender and employee category.

Indicator Unit 2017 2018 2019 Report Pages
Average training hours per person female staff hour/person 44 32 27.8 50
Average training hours per person male staff hour/person 38.4 27.2 21.5 50
External training (headquarters) session 60 104 94 49
Junior management training hours per person (Branches) hour/person 45.3 23 20 50
Junior management training hours per person (Headquarters) hour/person 40.5 41 35.4 50
Operating management training hours per person (Branches) hour/person 40.4 25 21.8 50
Operating management training hours per person (Headquarters) hour/person 39.7 28.8 24.2 50
Senior management training hours per person (Headquarters) hour/person 34.2 32.9 28.4 50
Technical staff training hours per person (Branches) hour/person 51.2 30.6 26.4 50
Technical staff training hours per person (Headquarters) hour/person 50.4 38 33 50
Total number of training sessions at various departments (headquarters) session 320 270 266 49
Total training hours hours 3307 48

Number of suppliers by geographical region.

Indicator Unit 2017 2018 2019 2020 Report Pages
% of total loans to customers (microcredit loans) % 80.6 71.2 100 56
Accumulated leased amount of HB Leasing million RMB 180.858 55
Accumulated targeted poverty alleviation loans granted RMB100 million 24.62 25.67 26.08 23
Balance of agricultural loans RMB million 4594.9 4250.7 3797.5 15
Balance of corporate loans to small enterprises million RMB 5959.3578 55
Balance of green credit million RMB 17841.1 8
Balance of loans to customers RMB million 237397.8 253762.7 263401.1 15
Balance of loans to small enterprise owners million RMB 3883.3 55
Balance of micro credit loan amounted billion RMB 180 7
Balance of microcredit loans RMB100 million 1914.256 1207.51 1754.417 56
Balance of the Bank's microcredit loans million RMB 178441.7 55
Balance of the agricultural loans of the Bank million RMB 78397.5 55
Balance of the loans to farmers million RMB 12887.7 55
Balance of the targeted poverty alleviation loans RMB100 million 4.31 2.31 1.56 23
Green credit balance RMB million, million RMB 1862 1889 2411 15, 41
Green credit clients (households) 11 18 24 29
Green credit granting balance billion RMB 18.62 18.89 24.11 29
Helongjiang Financial Holdings indirect shareholding in Harbin Bank % of domestic shares, % of total shares, shares 25.59 71
Increase in number of retail deposit customers thousand 905.6 53
Maximum amount of a single credit transaction in the small-amount bulk payment system million RMB 500 84
Microcredit balance RMB million 191425.6 180715.1 178447.1 15
NPL ratio % 1.7 1.73 1.99 15
National student loan distributed during the year RMB million 600 569 576 15
Number of Russia accounting banks with domestic and foreign currency settlement network 22 57
Number of branch-level financial service centres for small enterprises 1 1 1 60
Number of branches 17 17 17 60
Number of green credit clients 24 41
Number of green projects invested by green financial bonds projects 12 30
Number of rural outlets outlets 42 47 47 24
Number of rural outlets for the underprivileged and impoverished counties outlets 19 18 21 24
Number of sub-branches 277 281 282 60
Number of sub-branches of village and township banks 36 36 41 60
Number of village and township banks in impoverished counties recognized by central government banks 36 36 32 24
Proportion of total loans to customers accounted for by micro credit loans 65% 7
Total amount of cross-border transfers of RMB cash billion RMB 0.312 57
Total customer deposits billion RMB, million RMB 4253.6837 13, 53
Year-on-year increase in green credit balance 33.33% 41

Description of practices used to promote environmentally preferable products and services when selecting suppliers, and how they are implemented and monitored.

Indicator Unit 2019 Report Pages
Year-on-year increase in number of green credit clients 27.63% 41

Number of products and service related complaints received and how they are dealt with.

Indicator Unit 2017 2018 2019 Report Pages
Clients of village and township banking services Account 373646 449461 430164 15
Corporate online banking customers thousand 8.2 9.04 9.36 61
Customer deposits billion RMB 425.6 9
Improvement in individual client business 14.3% 41
Number of ATMs 321 342 310 60
Number of card issuance machines 12 13 15 60
Number of clients of village and township banks (thousand) thousand clients 4469.27 5030.4 5304.49 24
Number of non-cash super counters 130 60
Number of retail deposit customers million 13.1589 53
Number of users of mobile phone banking thousand 75.72 117.22 191.31 61
Personal online banking customers thousand 173.98 221.16 307.88 61
Personal operating loan granted to Li Guofeng by Shenyang Branch of the Bank million RMB 2 34
Personal operating loan granted to Zhang Xiaoguang by Shenyang Branch of the Bank million RMB 3 34
Total business calls of phone banking thousand 315.53 451.39 491.65 61
Total customers (online banking) thousand 182.18 233.2 317.29 61
Year-on-year increase in number of retail customers with personal financial assets in RMB and other currencies over RMB500000 thousand 186 53

Description of practices relating to observing and protecting intellectual property rights.

Indicator Unit 2017 2018 2019 2020 Report Pages
Number of multi-media inquiry machines 102 94 87 60
Previous maximum amount of a single credit transaction in the small-amount bulk payment system million RMB 1 84
Top 10 Private Enterprises for Financial Service Innovation Award under 2019 China’s Financial Service Innovation Award rank 10 73

Description of consumer data protection and privacy policies, and how they are implemented and monitored.

Indicator Unit 2017 2018 2019 Report Pages
Bank's RMB-RUB transaction volume billion RUB 80 57
Number of followers of WeChat banking thousand 160.85 222.44 254.74 61
Replacement rate of business transactions through electronic banking % 87 91 93 15, 60
Replacement rate of business transactions through mobile banking % 45 51 61 60

Number of concluded legal cases regarding corrupt practices brought against the issuer or its employees during the reporting period and the outcomes of the cases.

Indicator Unit 2017 2018 2019 Report Pages
Capital adequacy ratio % 12.25 12.15 12.53 15, 53
Provision coverage ratio % 167.24 169.88 152.5 15
Record high cross-border transfer of RMB cash billion RMB 0.192 57
Tier-1 capital adequacy ratio % 10.23 53
Total interbank credit granted by the Bank to Russian banks billion RUB 8 57
Total tax RMB million 3445.03 3462.11 2789.49 15

Description of preventive measures and whistle-blowing procedures, and how they are implemented and monitored.

Indicator Unit 2017 2018 2019 Report Pages
Meeting of special committees of the Board of Directors (No.) 26 33 31 70
Meeting of special committees of the Board of Supervisors (No.) 7 13 7 70
Meeting of the Board of Directors (No.) 7 8 10 70
Meeting of the Board of Supervisors (No.) 4 7 7 70
Number of controlling village and township banks 32 32 32 60
Survey and investigation by Independent Directors (No.) 2 5 4 70

Focus areas of contribution (e.g. education, environmental concerns, labour needs, health, culture, sport).

Indicator Unit 2017 2018 2019 Report Pages
Accumulated number of underprivileged students served 250000 54
Accumulated registered poor households with Harbin Bank's support 1000 people 6.71 6.96 7.08 23
Branch loan granted to Li Guofeng for steady development of the enterprise million RMB 2 34
Branch loan granted to Zhang Xiaoguang for Teng Ao Wastewater Treatment Plant in Teng'ao Town, Haicheng City, Anshan City, Liaoning Province million RMB 5 34
Forbes Global 2000 ranking rank 1130 1154 1117 13
Forbes Global 2000: ranked 1117th rank 1117 73
Number of Ha Run e Generation Club members finishing full marathon distance at Harbin Marathon persons 50 52
Number of Ha Run e Generation Club members finishing half marathon distance at Harbin Marathon persons 300 52
Number of Ha Run e Generation Club members participating in Harbin Marathon persons 1000 52
Number of charity projects supported by United Charity Foundation 56 66
Number of cities (prefectures) covered by 'Happy Community' micro-charity project cities 11 37
Number of cities covered by charity activities 7 8
Number of greenhouses to be established for poverty-stricken households in Shuangong Village greenhouses 50 25
Number of investment projects with raised funds projects 8 30
Number of on-site poverty alleviation projects conducted with non-profit organisations 23 8
Number of participants in Village Party Member Activity Room meeting 35 26
Number of participants in the 4th Sun Island Marathon of Harbin Bank (Group) people 1800 51
Number of people served by Happy Community Programme people 100000 35
Number of poverty-stricken households' oxcarts sent to collect seeds and fertilizers 50 26
Outstanding loan amount million RMB 1896 54
Outstanding loans of village and township banks (RMB ten thousand) RMB ten thousand 1317126 1320994 1350758 24
People lifted from poverty 1000 people 2.71 3.03 3.42 23
Proportion of loans to small enterprise owners to the Bank's personal loans 22.3% 55
Top 1000 World Banks 2019: ranked 199th rank 199 73
Total investment in 'Happy Community' micro-charity project RMB 450000 37

Resources contributed (e.g. money or time) to the focus area.

Indicator Unit 2017 2018 2019 2020 Report Pages
% of the balance of microcredit loans (personal loans) % 61.84 63.9 68.74 56
Accumulated amount of government education loans granted million RMB 4276 54
Core tier-1 capital adequacy ratio % 10.21 53
Distribution of the balance of microcredit loans (corporate loans to small enterprises) RMB100 million 730.498 653.273 693.578 56
Distribution of the balance of microcredit loans (personal loans) RMB100 million 1183.758 1153.878 1190.839 56
Distribution of the balance of personal loans (loans to farmers) RMB100 million 101.024 129.074 126.877 56
Distribution of the balance of personal loans (loans to small enterprise owners) RMB100 million 328.415 328.682 383 56
Distribution of the balance of personal loans (personal consumption loans) RMB100 million 754.319 606.152 680.942 56
Donation by Harbin Bank to four key pandemic prevention hospitals in Heilongjiang Province million RMB 5 86
Expenditure on social welfare undertakings million RMB 28.2 63
First financing for small and micro enterprises supporting pandemic prevention through Harbin Bank green channels million RMB 3 86
Funds accumulated by United Charity Foundation to support charity projects million RMB 12.52 66
Government education loan amount granted in 2019 million RMB 576 54
Increase in balance of green credit compared with last year million RMB 522 8
Maximum line of credit with Credit Bank of Moscow million USD 100 57
Number of Medical Card fee waivers for first-line medical workers fees 20 87
Number of books shared by Harbin Bank employees during Spring Festival Duty Diary activity books 213 86
Number of charity activities across cities 1600 8
Number of charity activities conducted under Happy Community Programme activities 1600 35
Number of counties (districts) covered by 'Happy Community' micro-charity project counties 30 37
Number of employees from on-site poverty alleviation team providing financial aid to students from poverty-stricken families in Shuangong Village employees 6 25
Number of families participating in bird caring activity at Nankai Sub-branch of Tianjin Branch families 40 44
Number of residents served by Happy Community Programme 100000 8
Number of students from poverty-stricken families in Shuangong Village receiving financial aid to attend university students 4 25
Number of underprivileged students having signed contracts in 2019 21500 54
Number of volunteers participating in bird caring activity at Nankai Sub-branch of Tianjin Branch volunteers 15 44
O/W, balance of the targeted poverty alleviation loans in Heilongjiang RMB100 million 3.27 1.78 1.45 23
Percentage of poverty-stricken households participating in potato planting % 45 26
Poverty alleviation loans for registered households (distributed during the year) RMB million 237.7 90.59 41.45 15
Public welfare funds invested by Happy Community Programme million RMB 3.8 8
Public welfare funds invested in Happy Community Programme million RMB 8.4 35
Total charity donation RMB'000 2288.6 1517.6 820 15
Total funds utilised in aggregate for green projects billion RMB 1.828 30

The types of emissions and respective emissions data.

Standard Indicator Unit
Airborne Particulate Matter (PM) Emissions tons
NOâ‚“ Emissions tons
SOâ‚“ Emissions tons

Total hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).

Standard Indicator Unit
Hazardous Waste Recycled tons
Total Hazardous Waste tons

Total non-hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).

Standard Indicator Unit 2017 2018 2019
Non-Hazardous Waste (Electronic Waste) pieces 6130 9489 23053

Direct and/or indirect energy consumption by type (e.g. electricity, gas or oil) in total (kWh in '000s) and intensity (e.g. per unit of production volume, per facility).

Standard Indicator Unit 2017 2018 2019
Diesel Fuel Consumption litres 16490 4350 1511
Gasoline Consumption litres 232154 80022.78 49733.53
Natural Gas Consumption cubic metres 100457 101800.65 141563.17
Purchased Electricity kWh 13558559 12249613 21190725

Water consumption in total and intensity (e.g. per unit of production volume, per facility).

Standard Indicator Unit 2017 2018 2019
Water Consumption tons 58952 40178 50564

Total packaging material used for finished products (in tonnes) and, if applicable, with reference to per unit produced.

Standard Indicator Unit 2017 2018 2019
Packaging Material Consumption (Paper) tons 64.6 85 177.93

Description of the significant impacts of activities on the environment and natural resources and the actions taken to manage them.

Standard Indicator Unit 2019
Total Investment in Ecological Restoration million RMB 3473

Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.

Standard Indicator Unit 2017 2018 2019
Number of Female Employees person 3833 3856 3962
Number of Full-time Employees (Female) person 3833 3856 3962
Number of Full-time Employees (Male) person 2910 2872 2979
Number of Junior Management Employees person 948 1128 1123
Number of Male Employees person 2910 2872 2979
Number of Senior Management Employees person 13 16 17
Number of Total Employees person 6743 6728 6941
Percentage of Female Employees % 56.84 57.3 57.08

Employee turnover rate by gender, age group and geographical region.

Standard Indicator Unit 2017 2018 2019
Turnover Rate of Female Employees % 4.16 4.56 3.33
Turnover Rate of Male Employees % 5.38 6.09 4.36

Description of occupational health and safety measures adopted, and how they are implemented and monitored.

Standard Indicator Unit 2020
Investment in Work Safety million RMB 500

The percentage of employees trained by gender and employee category (e.g. senior management, middle management).

Standard Indicator Unit 2019
Percentage of Employees Trained % 100

The average training hours completed per employee by gender and employee category.

Standard Indicator Unit 2017 2018 2019
Average Training Hours (Female) hour/person 44 32 27.8
Average Training Hours (Male) hour/person 38.4 27.2 21.5
Average Training Hours (Middle Management) hour/person 42.9 32 25.7
Average Training Hours (Operational Employees) hour/person 40.05 26.9 23
Average Training Hours (Senior Management) hour/person 34.2 32.9 28.4
Average Training Hours (Technical Employees) hour/person 50.8 34.3 29.7
Total Training Hours hours 3307

Number of products and service related complaints received and how they are dealt with.

Standard Indicator Unit
Complaints Handling Rate %

Resources contributed (e.g. money or time) to the focus area.

Standard Indicator Unit 2017 2018 2019 2020
Donations to Disaster Relief Contributions to Public Welfare million RMB 5
Investment in Education Donation million RMB 576
Investment in Targeted Poverty Alleviation million RMB 237.7 90.59 41.45
Number of Employees Participating in Volunteer Activities employees 6
Number of Volunteer Activities Sessions activities 1600
Number of Volunteers among Employees volunteers 15
Total Public Welfare Donations million RMB 2.2886 1.5176 0.82
Total Social Investment million RMB 28.2