2023 Environmental, Social and Governance Report
Extracted ESG KPIs
KPIs are organized by ESG aspects.
Direct (Scope 1) and energy indirect (Scope 2) greenhouse gas emissions (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | Report Pages |
|---|---|---|---|---|
| Annual emission reduction from carbon emission reduction loans | tons of carbon dioxide equivalent | 78600 | 35 | |
| Annual reduction of carbon dioxide equivalent emissions from supported carbon emissions reduction projects | tons | 78600 | 98 | |
| Direct greenhouse gas emissions in the head offices and branches | Tons of carbon dioxide equivalent | 316.09 | 317.59 | 39 |
| Greenhouse gas emissions in the head offices and branches | Tons of carbon dioxide equivalent | 6497.69 | 6125.78 | 39 |
| Indirect greenhouse gas emissions in the head offices and branches | Tons of carbon dioxide equivalent | 6181.6 | 5808.19 | 39 |
Total non-hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | Report Pages |
|---|---|---|---|---|
| Business diversion rate of all smart teller machines | % | 66.56 | 57 | |
| Paper consumption in the head offices and branches | 10000 sheets | 567.06 | 476.08 | 39 |
Description of emissions target(s) set and steps taken to achieve them.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Carbon dioxide equivalent saving | Ton | 9680919.25 | 94 |
| Carbon emission reduction loans issued | RMB | 377000000 | 35 |
| Number of carbon emission reduction projects supported (Jiujiang, Shangrao, Pingxiang, Ganzhou, Xinyu) | 10 | 35 | |
| Number of carbon emissions reduction projects supported | 10 | 98 | |
| Sulphur dioxide saving | Ton | 98483.32 | 94 |
Description of how hazardous and non-hazardous wastes are handled, and a description of reduction target(s) set and steps taken to achieve them.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Ammonia nitrogen saving | Ton | 831.88 | 94 |
| Chemical oxygen demand saving | Ton | 34716.47 | 94 |
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 | 2022 | 2023 | Report Pages |
|---|---|---|---|---|
| Electricity consumption at the head office and branches | 10000 kWh | 925.6 | 82 | |
| Electricity consumption by the head offices and branches | 10000 kWh | 925.6 | 16 | |
| Electricity consumption in the head offices and branches | 10000 kWh | 1012.22 | 925.6 | 39 |
| Natural gas consumption at the head office and branches | cubic meter | 49844.84 | 82 | |
| Natural gas consumption by the head offices and branches | Cubic meter | 49844.84 | 16 | |
| Natural gas consumption in the head offices and branches | Cubic metre | 62692.33 | 49844.84 | 39 |
| Number of smart machines per outlet | machines/outlet | 1.42 | 57 | |
| Petrol consumption at the head office and branches | litre | 60517.91 | 82 | |
| Petrol consumption by the head offices and branches | Litre | 60517.91 | 16 | |
| Petrol consumption in the head offices and branches | Litre | 67419.69 | 60517.91 | 39 |
Water consumption in total and intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2022 | 2023 | Report Pages |
|---|---|---|---|---|
| Office water consumption of the head office | ton | 54927.49 | 82 | |
| Water consumption by the head offices and branches | Ton | 54927.49 | 16 | |
| Water consumption in the head offices and branches | Ton | 76283.65 | 54927.49 | 39 |
Description of energy use efficiency target(s) set and steps taken to achieve them.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Oxynitride saving | Ton | 7068 | 94 |
| Standard coal saving | Ton | 2465716 | 94 |
Total packaging material used for finished products (in tonnes) and, if applicable, with reference to per unit produced.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Paper consumption at the head office and branches | 10000 sheets | 476.08 | 82 |
| Paper consumption by the head offices and branches | 10000 sheets | 476.08 | 16 |
Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Fintech staff as percentage of total employees | percent | 6 | 62 |
| Increase in official fintech employees compared to previous year | percent | 10.18 | 62 |
| Number of official fintech employees | employees | 303 | 62 |
| Return on average assets | % | 0.15 | 16 |
| Staff headcount by age group: Age 30 (inclusive) and below | persons | 3278 | 67 |
| Staff headcount by age group: Age 31 to 40 (inclusive) | persons | 1939 | 67 |
| Staff headcount by age group: Age 41 to 50 (inclusive) | persons | 175 | 67 |
| Staff headcount by age group: Age above 50 | persons | 37 | 67 |
| Staff headcount by education background: Bachelor's or vocational college degree | persons | 4736 | 67 |
| Staff headcount by education background: Master's degree or above | persons | 685 | 67 |
| Staff headcount by education background: Others | persons | 8 | 67 |
| Staff headcount by employment type: Full time | persons | 5429 | 67 |
| Staff headcount by ethnicity: Ethnic minority groups | persons | 60 | 67 |
| Staff headcount by ethnicity: Han ethnic group | persons | 5369 | 67 |
| Staff headcount by gender: Females | persons | 2960 | 67 |
| Staff headcount by gender: Males | persons | 2469 | 67 |
| Staff headcount by region: In Jiangxi | persons | 4563 | 67 |
| Staff headcount by region: Outside of Jiangxi | persons | 866 | 67 |
| Staff proportion by age group: Age 30 (inclusive) and below | 60.38% | 67 | |
| Staff proportion by age group: Age 31 to 40 (inclusive) | 35.72% | 67 | |
| Staff proportion by age group: Age 41 to 50 (inclusive) | 3.22% | 67 | |
| Staff proportion by age group: Age above 50 | 0.68% | 67 | |
| Staff proportion by education background: Bachelor's or vocational college degree | 87.24% | 67 | |
| Staff proportion by education background: Master's degree or above | 12.62% | 67 | |
| Staff proportion by education background: Others | 0.14% | 67 | |
| Staff proportion by employment type: Full time | 100.00% | 67 | |
| Staff proportion by ethnicity: Ethnic minority groups | 1.11% | 67 | |
| Staff proportion by ethnicity: Han ethnic group | 98.89% | 67 | |
| Staff proportion by gender: Females | 54.52% | 67 | |
| Staff proportion by gender: Males | 45.48% | 67 | |
| Staff proportion by region: In Jiangxi | 84.05% | 67 | |
| Staff proportion by region: Outside of Jiangxi | 15.95% | 67 | |
| Total amount paid out of special accounts for migrant workers’ wages in Jiujiang City | million RMB | 628 | 56 |
| Total assets | RMB100 million | 5038.49 | 16 |
| Total loans | RMB100 million | 3016.24 | 16 |
| Total number of employees | Person, person | 5429 | 16, 82 |
| Total number of female employees | Person, person | 2960 | 16, 82 |
Employee turnover rate by gender, age group and geographical region.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Operating income | RMB100 million | 103.58 | 16 |
| Staff turnover, age 30 (inclusive) and below, number of individuals that left the Bank | individuals | 271 | 68 |
| Staff turnover, age 30 (inclusive) and below, percentage of total | % | 4.68 | 68 |
| Staff turnover, age 31 to 40 (inclusive), number of individuals that left the Bank | individuals | 82 | 68 |
| Staff turnover, age 31 to 40 (inclusive), percentage of total | % | 1.42 | 68 |
| Staff turnover, age 41 to 50 (inclusive), number of individuals that left the Bank | individuals | 5 | 68 |
| Staff turnover, age 41 to 50 (inclusive), percentage of total | % | 0.09 | 68 |
| Staff turnover, females, number of individuals that left the Bank | individuals | 191 | 68 |
| Staff turnover, females, percentage of total | % | 3.3 | 68 |
| Staff turnover, in Jiangxi, number of individuals that left the Bank | individuals | 270 | 68 |
| Staff turnover, in Jiangxi, percentage of total | % | 4.67 | 68 |
| Staff turnover, males, number of individuals that left the Bank | individuals | 167 | 68 |
| Staff turnover, males, percentage of total | % | 2.89 | 68 |
| Staff turnover, outside of Jiangxi, number of individuals that left the Bank | individuals | 88 | 68 |
| Staff turnover, outside of Jiangxi, percentage of total | % | 1.52 | 68 |
The percentage of employees trained by gender and employee category (e.g. senior management, middle management).
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Number of off-campus training organisations covered by the Bank’s monitoring platform for off-campus training regulatory platform | organisations | 13878 | 56 |
| Number of off-campus training organisations having opened special accounts for the supervision of advance fees | organisations | 254 | 56 |
| Number of staff that participated in training (Females) | persons | 2955 | 69 |
| Number of staff that participated in training (General staff) | persons | 4371 | 69 |
| Number of staff that participated in training (Males) | persons | 2453 | 69 |
| Number of staff that participated in training (Middle management) | persons | 1027 | 69 |
| Number of staff that participated in training (Senior management) | persons | 10 | 69 |
| Percentage of staff that participated in training (Females) | 54.64% | 69 | |
| Percentage of staff that participated in training (General staff) | 80.83% | 69 | |
| Percentage of staff that participated in training (Males) | 45.36% | 69 | |
| Percentage of staff that participated in training (Middle management) | 18.99% | 69 | |
| Percentage of staff that participated in training (Senior management) | 0.18% | 69 |
The average training hours completed per employee by gender and employee category.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Average training hours per person (Females) | hours | 74.9 | 69 |
| Average training hours per person (General staff) | hours | 78 | 69 |
| Average training hours per person (Males) | hours | 83.41 | 69 |
| Average training hours per person (Middle management) | hours | 82.21 | 69 |
| Average training hours per person (Senior management) | hours | 59.48 | 69 |
| Total number of training hours (Females) | hours | 221333.36 | 69 |
| Total number of training hours (General staff) | hours | 340920.35 | 69 |
| Total number of training hours (Males) | hours | 204613 | 69 |
| Total number of training hours (Middle management) | hours | 84431.21 | 69 |
| Total number of training hours (Senior management) | hours | 594.8 | 69 |
Number of suppliers by geographical region.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Balance of Government Procurement Loan 2.0 product | million RMB | 419 | 45 |
| Green credit balance | RMB100 million | 334.58 | 16, 82 |
| Increase in number of customers for Government Procurement Loan 2.0 product over previous year | customers | 112 | 45 |
| Number of business outlets with smart cabinets installed | outlets | 17 | 57 |
| Number of suppliers in Bohai Rim region | 69 | 29 | |
| Number of suppliers in Central region | 63 | 29 | |
| Number of suppliers in Pearl River Delta region | 29 | 29 | |
| Number of suppliers in Western region | 6 | 29 | |
| Number of suppliers in Yangtze River Delta region | 43 | 29 | |
| Number of suppliers in other regions | 2 | 29 | |
| Total deposits | RMB100 million | 3707.33 | 16 |
| Total number of suppliers used | 212 | 29 | |
| balance of Express Loans for Farmers | million RMB | 211 | 43 |
| balance of Loans for Farmers | million RMB | 860 | 43 |
| balance of Merchant Loans | billion RMB | 1.219 | 43 |
| balance of agriculture-related inclusive loans | billion RMB | 13.755 | 42 |
| balance of agriculture-related loans | billion RMB | 67.909 | 42 |
| balance of rural revitalisation loans | billion RMB | 60.471 | 42 |
| change in balance of agriculture-related inclusive loans over the beginning of the year | % | 19.48 | 42 |
| change in balance of agriculture-related loans over the beginning of the year | % | 6.36 | 42 |
| change in balance of rural revitalisation loans over the beginning of the year | % | 8.78 | 42 |
| number of merchants covered by Merchant Loans | merchants | 8600 | 43 |
Number of products and service related complaints received and how they are dealt with.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Average acceptance time for 'digital through train' service | hours | 1.55 | 62 |
| Average processing time for 'digital through train' service | days | 1.91 | 62 |
| Customer service hotline transactions (95316 hotline) | transactions | 100000 | 57 |
| Incoming calls and manual service handled monthly | calls | 40000 | 57 |
| Number of customers for Government Procurement Loan 2.0 product | customers | 179 | 45 |
| Number of customers involved in 'One County, One Produce' project | 10500 | 98 | |
| Number of issues and advice processes received by 'digital through train' service since launch | items | 689 | 62 |
| Number of items resolved by 'digital through train' service | items | 543 | 62 |
| Number of transactions served by remote counters | transactions | 40000 | 57 |
| Online text customer service interactions per month | interactions | 35000 | 57 |
| Resolution rate for 'digital through train' service | percent | 77.5 | 62 |
| Response rate for 'digital through train' service | percent | 100 | 62 |
| Total customer interactions served by remote counters | interactions | 40000 | 57 |
| number of customers involved in the 'One County, One Produce' project | 10500 | 42 |
Description of quality assurance process and recall procedures.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Number of remote counters online | counters | 25 | 57 |
| Percentage of personal business done using self-service smart machines | over 60% | 57 | |
| Remote management of physical items via smart cabinets | items | 45000 | 57 |
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 | 2023 | Report Pages |
|---|---|---|---|
| Capital adequacy ratio | % | 12.01 | 16 |
| Provision coverage ratio | % | 153.82 | 16 |
Focus areas of contribution (e.g. education, environmental concerns, labour needs, health, culture, sport).
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Average number of attendees per session at 'Digital, Intelligent Bank of Jiujiang Lecture Hall' | attendees | 3202 | 62 |
| Basic earnings per share | RMB | 0.15 | 16 |
| Green loan balance | RMB | 8334580000 | 35 |
| Loan balance under 'One County, One Produce' project | billion RMB | 11.677 | 98 |
| Number of projects established under 'One County, One Produce' project | 63 | 98 | |
| Number of special accounts for migrant workers’ wages opened by the Bank in Jiujiang City | accounts | 195 | 56 |
| Number of sub-projects established under 'One County, One Produce' project | 168 | 98 | |
| Percentage increase in green loan balance compared with beginning of the year | % | 29.24 | 35 |
| loan balance under the 'One County, One Produce' project | billion RMB | 11.677 | 42 |
| number of projects established under the 'One County, One Produce' project | 63 | 42 |
Resources contributed (e.g. money or time) to the focus area.
| Indicator | Unit | 2023 | Report Pages |
|---|---|---|---|
| Increase in balance of Government Procurement Loan 2.0 product over previous year | million RMB | 191 | 45 |
| Targeted poverty alleviation loan balance | RMB100 million | 6.1 | 16, 82 |
| Total charity donations | RMB10 thousand, RMB10000 | 490.72 | 16, 82 |
| increase in balance of agriculture-related inclusive loans over the beginning of the year | billion RMB | 2.242 | 42 |
| increase in balance of agriculture-related loans over the beginning of the year | billion RMB | 4.059 | 42 |
| increase in balance of rural revitalisation loans over the beginning of the year | billion RMB | 4.88 | 42 |
| number of farmers covered by Express Loans for Farmers | farmers | 11000 | 43 |
| number of farmers covered by Loans for Farmers | farmers | 18100 | 43 |
Direct (Scope 1) and energy indirect (Scope 2) greenhouse gas emissions (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 |
|---|---|---|---|
| Direct GHG Emissions (Scope 1) | Tons of carbon dioxide equivalent | 316.09 | 317.59 |
| Indirect Energy Emissions (Scope 2) | Tons of carbon dioxide equivalent | 6181.6 | 5808.19 |
| Total GHG Emissions | Tons of carbon dioxide equivalent | 6497.69 | 6125.78 |
Total non-hazardous waste produced (in tonnes) and, where appropriate, intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 |
|---|---|---|---|
| Paper Waste | 10000 sheets | 567.06 | 476.08 |
Description of emissions target(s) set and steps taken to achieve them.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| CO2 Emissions Reduction Compared to Last Year | Ton | 9680919.25 |
| GHG Emissions Reduction Compared to Last Year | Ton | 9680919.25 |
| SO2 Emissions Reduction Compared to Last Year | Ton | 98483.32 |
| SOx Emissions Reduction Compared to Last Year | Ton | 98483.32 |
Description of how hazardous and non-hazardous wastes are handled, and a description of reduction target(s) set and steps taken to achieve them.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| COD Reduction Compared to Last Year | Ton | 34716.47 |
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 | 2022 | 2023 |
|---|---|---|---|
| Gasoline Consumption | litre | 67419.69 | 60517.91 |
| Natural Gas Consumption | cubic metre | 62692.33 | 49844.84 |
| Purchased Electricity | kWh | 10122200 | 9256000 |
Water consumption in total and intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2022 | 2023 |
|---|---|---|---|
| Water Consumption | Ton | 76283.65 | 54927.49 |
| Water Consumption in Office | Ton | 76283.65 | 54927.49 |
Description of energy use efficiency target(s) set and steps taken to achieve them.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Energy Consumption Reduction Compared to Last Year | Ton | 2465716 |
Total packaging material used for finished products (in tonnes) and, if applicable, with reference to per unit produced.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Packaging Material Consumption (Paper) | 10000 sheets | 476.08 |
Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Number of Bachelor's Degree Employees | persons | 4736 |
| Number of Employees Aged 30-50 | persons | 2114 |
| Number of Employees Aged Above 50 | persons | 37 |
| Number of Employees Aged Below 30 | persons | 3278 |
| Number of Female Employees | persons | 2960 |
| Number of Full-time Employees | persons | 5429 |
| Number of Male Employees | persons | 2469 |
| Number of Master's Degree Employees | persons | 685 |
| Number of Total Employees | persons | 5429 |
| Percentage of Bachelor's Degree Employees | percent | 87.24 |
| Percentage of Employees Aged 30-50 | percent | 38.94 |
| Percentage of Employees Aged Above 50 | percent | 0.68 |
| Percentage of Employees Aged Below 30 | percent | 60.38 |
| Percentage of Female Employees | percent | 54.52 |
| Percentage of Full-time Employees | percent | 100 |
| Percentage of Male Employees | percent | 45.48 |
| Percentage of Master's Degree Employees | percent | 12.62 |
Employee turnover rate by gender, age group and geographical region.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Turnover Rate of Employees Aged 30-50 | % | 1.51 |
| Turnover Rate of Employees Aged Below 30 | % | 4.68 |
| Turnover Rate of Female Employees | % | 3.3 |
| Turnover Rate of Male Employees | % | 2.89 |
The percentage of employees trained by gender and employee category (e.g. senior management, middle management).
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Percentage of Trained Female Employees | % | 54.64 |
| Percentage of Trained General Employees | % | 80.83 |
| Percentage of Trained Male Employees | % | 45.36 |
| Percentage of Trained Middle Management | % | 18.99 |
| Percentage of Trained Senior Management | % | 0.18 |
The average training hours completed per employee by gender and employee category.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Average Training Hours (Female) | hours | 74.9 |
| Average Training Hours (General Staff) | hours | 78 |
| Average Training Hours (Male) | hours | 83.41 |
| Average Training Hours (Middle Management) | hours | 82.21 |
| Average Training Hours (Senior Management) | hours | 59.48 |
Number of suppliers by geographical region.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Number of Suppliers in Central China | 63 | |
| Number of Suppliers in East China | 43 | |
| Number of Suppliers in North China | 69 | |
| Number of Suppliers in Other Regions | 2 | |
| Number of Suppliers in South China | 29 | |
| Number of Suppliers in West China | 6 | |
| Number of Total Suppliers | 212 |
Number of products and service related complaints received and how they are dealt with.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Complaints Handling Rate | percent | 77.5 |
| Number of Complaints Resolved on Products and Services | items | 543 |
| Total Number of Customer Complaints | items | 689 |
Resources contributed (e.g. money or time) to the focus area.
| Standard Indicator | Unit | 2023 |
|---|---|---|
| Investment in Targeted Poverty Alleviation | million RMB | 61 |
| Total Cash Donations | RMB | 490720 |
| Total Public Welfare Donations | RMB | 490720 |