China Merchants Bank Sustainability Report 2024

Year: 2024
Published: 2025-03-25
Status: Processed

Extracted ESG KPIs

KPIs are organized by ESG aspects.

The types of emissions and respective emissions data.

Indicator Unit 2021 2022 2023 Report Pages
Refrigerant consumption (kilograms) kilograms 17885.75 8496.8 5483.45 116

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 2024 Report Pages
Carbon emission reduction volume driven by loans million tons 2.7048 90
Carbon emissions reduced by users through sustainable behavior program tonnes 1180.02 95
Greenhouse gas emissions (scope 1 plus scope 2) Group Scope 10000 tons of CO2 equivalent 47.81 50.36 51.92 112
Greenhouse gas emissions (scope 1 plus scope 2) Legal Entity Scope 10000 tons of CO2 equivalent 45.87 48.43 49.99 112
Scope 1 (direct) greenhouse gas emissions Group Scope 10000 tons of CO2 equivalent 2.31 2.93 5.33 112
Scope 1 (direct) greenhouse gas emissions Legal Entity Scope 10000 tons of CO2 equivalent 2.18 2.81 5.15 112
Scope 1 fixed emission sources carbon emissions, CMB’s Nanjing Branch metric tons 867.1 86
Scope 1 greenhouse gas emissions from mobile sources Group Scope 10000 tons of CO2 equivalent 0.34 0.36 0.34 112
Scope 1 greenhouse gas emissions from mobile sources Legal Entity Scope 10000 tons of CO2 equivalent 0.32 0.32 0.32 112
Scope 1 greenhouse gas emissions from refrigeration release Group Scope 10000 tons of CO2 equivalent 1.04 1.73 4.16 112
Scope 1 greenhouse gas emissions from refrigeration release Legal Entity Scope 10000 tons of CO2 equivalent 0.95 1.67 4.02 112
Scope 1 greenhouse gas emissions from stationary sources Group Scope 10000 tons of CO2 equivalent 0.93 0.84 0.83 112
Scope 1 greenhouse gas emissions from stationary sources Legal Entity Scope 10000 tons of CO2 equivalent 0.91 0.82 0.81 112
Scope 2 purchased electricity carbon emissions, CMB’s Credit Card Center, Guangzhou Branch, Hefei Branch, and Zhengzhou Branch metric tons 40671.89 86
Scope 3 greenhouse gas emissions (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 245.78 273.71 280.06 114
Scope 3 greenhouse gas emissions – Category 13: downstream leased assets (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 1.41 1.5 1.56 114
Scope 3 greenhouse gas emissions – Category 1: purchased goods and services (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 161.25 174.12 170.85 114
Scope 3 greenhouse gas emissions – Category 2: capital goods (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 61.08 69.58 77.91 114
Scope 3 greenhouse gas emissions – Category 3: fuel- and energy-related activities (not Included in Scope 1 or Scope 2) (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 14.2 14.55 14.8 114
Scope 3 greenhouse gas emissions – Category 4: upstream transportation and distribution (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 1.34 1.21 1.05 114
Scope 3 greenhouse gas emissions – Category 5: waste generated in operations (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 0.7 0.61 0.54 114
Scope 3 greenhouse gas emissions – Category 6: business travel (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 1.98 5.57 4.59 114
Scope 3 greenhouse gas emissions – Category 7: employee commuting (10000 tons of CO2 equivalent) 10000 tons of CO2 equivalent 3.82 6.57 8.76 114

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

Indicator Unit 2023 2024 Report Pages
Hazardous waste intensity kilograms/person 0.42 0.37 120
Total amount of hazardous waste tons 58.43 50.51 120

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

Indicator Unit 2023 2024 Report Pages
Amount of cycling waste tons / 149.24 120
Categories of recyclable assets allocated by Asset Reuse Repository system categories 22 106
Kitchen waste generated at headquarters cafeteria metric tons 188.76 106
Non-hazardous waste intensity kilograms/person 222.72 217.84 120
Total amount of non-hazardous waste tons 30670.57 30114.39 120
Total amount of waste tons 30729 30164.9 120
Total food waste generated at the Shenzhen premises of the Head Office metric tons 188.76 88
Year-on-year reduction in kitchen waste at headquarters cafeteria % 36.97% 106
Year-on-year reduction in total food waste generated at the Shenzhen premises of the Head Office 36.97% 88

Description of emissions target(s) set and steps taken to achieve them.

Indicator Unit 2021 2022 2023 2024 2025 Report Pages
Carbon emission reduction loans issued billion RMB 15.001 90
Converted annual emission reduction of ammonia nitrogen (NH3-N) from green loan projects 10000 tons 5.5 2.4 2.28 111
Converted annual emission reduction of carbon dioxide equivalent from green loan projects 10000 tons, ten thousand tons 1613.05 1778.67 1778.67 1928.78 15, 111
Converted annual emission reduction of chemical oxygen demand (COD) from green loan projects 10000 tons, ten thousand tons 35.72 27.66 27.66 28.49 15, 111
Converted annual emission reduction of nitrogen oxides (NOx) from green loan projects 10000 tons 3.48 4.43 5.17 111
Converted annual emission reduction of standard coal from green loan projects 10000 tons, ten thousand tons 733.01 799.42 856.08 856.08 15, 111
Converted annual emission reduction of sulfur dioxide from green loan projects 10000 tons 16.49 17.29 18.19 111
Greenhouse gas emissions reduction at Headquarters and branches in Dongguan, Kunming and Guiyang through electronic procurement systems, optimized office paper allocation, and energy inspection teams tons of carbon dioxide equivalent 352.97 100
Greenhouse gas emissions reduction from installation of variable frequency pumps, upgrades to façade signage and rooftop advertisements, and dynamic adjustment of equipment tons of carbon dioxide equivalent 10361.16 100
Number of projects issued carbon emission reduction loans 118 90
Scope 1 fixed emission sources carbon emissions reduction target, CMB’s Nanjing Branch decrease by 20% compared to 2023 86
Scope 2 purchased electricity carbon emissions reduction target, CMB’s Credit Card Center, Guangzhou Branch, Hefei Branch, and Zhengzhou Branch decrease by 4% compared to 2023 86

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 2021 2022 2023 2024 Report Pages
Balance of green loan (RMB100 million) RMB100 million 3553.57 4477.65 4882 110
Balance of green loans in the context of the People’s Bank of China billion RMB 488.2 90
CMB Financial Leasing green leasing business balance RMB billion 144.913 96
Cost of purchased heat (RMB10000) RMB10000 1796.43 1992.47 1722.09 116
Diesel consumption of backup generators (10000 liters) 10000 liters 4.41 6.23 7.71 116
Diesel consumption of owned vehicles (liters) liters 4635.92 2535.5 1773.44 115
Direct energy consumption (10000 tons of standard coal) 10000 tons of standard coal 0.67 0.62 0.61 115
Emissions from office paper usage (Purchased Goods and Services) metric tons 2632.93 87
Fuel consumption of retained public vehicles at Shenzhen premises of Head Office liters 61587.23 87
Gasoline consumption of backup generators (liters) liters 1576.64 1119.11 1094.89 116
Gasoline consumption of owned vehicles (10000 liters) 10000 liters 143.68 146.28 145.03 115
Headquarters official vehicles fuel consumption liters 61587.33 107
Indirect energy consumption (10000 tons of standard coal) 10000 tons of standard coal 9.66 10.12 9.91 115
Installed capacity in green energy sector by CMB Financial Leasing GW 21 96
Liquefied petroleum gas (LPG) consumption in cafeteria (tons) tons 5.92 53.41 48.96 116
Loan growth for green finance % 9.03 10
Natural gas consumption (10000 cubic meters) 10000 cubic meters 404.72 363.25 369.11 115
Number of branch outlets with real-time electricity monitoring 174 101
Number of headquarters office buildings with real-time electricity monitoring 54 101
Number of public funds on consignment with ESG, green, environmental protection, new energy, and carbon neutrality themes 94 96
Total energy consumption (10000 tons of standard coal) 10000 tons of standard coal 10.33 10.74 10.52 115
Total energy consumption intensity (tons of standard coal/ person) tons of standard coal/person 0.93 0.94 0.91 115
Total purchased electricity consumption (MWh) MWh 749206.76 755746.17 730468.45 116
Year-on-year decrease in fuel consumption of retained public vehicles at Shenzhen premises of Head Office decrease 17.79% 87

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

Indicator Unit 2024 Report Pages
Municipal water consumption under legal entity scope million metric tons 1.8384 87
Year-on-year decline in municipal water consumption under legal entity scope decline 27.89% 87

Description of energy use efficiency target(s) set and steps taken to achieve them.

Indicator Unit 2021 2022 2023 2024 Report Pages
Average power usage effectiveness (PUE) of owned data centers 1.47 1.59 1.54 116
Headquarters official vehicles fuel consumption year-on-year decrease 17.79% 107
Number of new low-carbon credit cards issued 433700 95
Proportion of green financial assets to total allocated amount by CMB Financial Leasing 65.68% 96
Proportion of green leasing business balance to total leasing assets 50.80% 96

Description of whether there is any issue in sourcing water that is fit for purpose, water efficiency target(s) set and steps taken to achieve them.

Indicator Unit 2021 2022 2023 Report Pages
Converted annual water saving of green loan projects 10000 tons 1481.79 1552.68 1504.36 111

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

Indicator Unit 2024 Report Pages
Issuance size of 2024 First Tranche Green Medium-Term Notes (Science and Innovation Notes) for Hunan Iron and Steel Group Co., Ltd. billion RMB 1 94
Issuance size of 2024 First Tranche Green Medium-Term Notes for Sichuan Energy Investment Group Co., Ltd. RMB billion 1 93
Issuance size of 2024 Second Tranche Medium-Term Notes (Sustainability-Linked) for Fujian Longyan Expressway Co., Ltd. RMB million 200 93
MSCI ESG rating AAA 10
Number of enterprises facilitated in issuing green bonds 32 93
Number of green bonds issued 68 93
Number of pilot branches with prefabricated decoration added in 2024 branches 12 99
Number of prefab-decorated branches to be completed by end of 2024 branches 27 99

Description of the significant climate-related issues which have impacted, and those which may impact, the issuer, and the actions taken to manage them.

Indicator Unit 2024 Report Pages
Total balance of green finance product aggregate (FPA), green retail, and green investment billion RMB 1135.174 90

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

Indicator Unit 2022 2023 2024 Report Pages
Average board meeting attendance % 97.52 96.06 97.1 295
Average tenure of board members year 5.6 4.4 4.5 295
Cumulative number of personal pension accounts opened 10000000 10, 138
Employee number 112999 116529 117201 248
New hires aged 30 and below 9296 9422 8085 250
New hires aged above 50 35 42 47 250
New hires aged between 31 and 50 1308 1147 987 250
New hires in campus recruitment 6276 7113 6365 250
New hires in social recruitment 4363 3498 2754 250
Number of R&D personnel under the Group persons 10900 147
Number of branches operated branches 143 134
Number of business outlets in rural and county areas 126 128 131 241
Number of directors 15 15 14 295
Number of directors on the Board directors 14 263
Number of employees aged 30 and below 46066 45405 44019 248
Number of employees under labor contracts 105419 109665 111901 248
Number of employees under labor dispatch agreements 7580 6864 5300 248
Number of ethnic minority employees person 4625 4942 5192 15, 253
Number of executive directors on the Board directors 3 263
Number of female directors 1 2 295
Number of female employees 59405 62085 63807 248
Number of inclusive SMEs loan customers 10000 99.07 100.45 107.73 246
Number of inclusive SMEs with loan balances million 1.0773 130
Number of independent non-executive directors 6 6 6 295
Number of independent non-executive directors on the Board directors 6 263
Number of male directors 14 15 12 295
Number of male employees 46014 47580 48094 248
Number of new female hires 6162 6505 5365 250
Number of new hires 10639 10611 9119 250
Number of new male hires 4477 4106 3754 250
Number of non-executive directors on the Board directors 5 263
Number of non-executive directors with industry experience 9 7 6 295
Number of other non-executive directors 8 7 5 295
Number of specialized institutions at branch level institutions 2 134
Overall attendance rate of directors percent 97.10% 263
Percentage of R&D personnel of total employees % 9.3 147
Percentage of female employees % 56 57 57 15, 253
Percentage of female employees in senior and middle management % 22 23 22 253
Percentage of male employees % 44 43 43 253
Percentage of male employees in senior and middle management % 78 77 78 253
Total financing provided to corporate clients trillion RMB 3.5 10

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

Indicator Unit 2022 2023 2024 Report Pages
Employee turnover rate % 7.14 6.61 5.72 251
Female employee turnover rate % 6.65 6.32 5.82 251
Male employee turnover rate % 7.78 6.7 5.59 251
Turnover rate of employees aged 30 and below % 10.73 10.22 10.37 251
Turnover rate of employees aged above 50 % 3.46 1.94 2.15 251
Turnover rate of employees aged between 31 and 50 % 4.76 4.13 3.18 251
Turnover rate of employees in the Yangtze River Delta region % 6.75 6.26 6.54 251

Lost days due to work injury.

Indicator Unit 2022 2023 2024 Report Pages
Number of workdays lost due to work-related injuries day 1886 2310 4472 255

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

Indicator Unit 2022 2023 2024 Report Pages
Digital capability assessment certifications person-times 46700 147
Number of employee training rounds 6715 8596 10091 256
Number of employees who attended training 79603 84603 86048 256
Number of employees who participated in online learning 10000 12259 18763 16544 256
Number of employees who participated in training 10000 43 55.19 63.09 256
Number of training organized for board members session 4 7 11 295
Participation in certifications by information technology department employees person-times 51900 147
Percentage of employees accepting training % 98 98.12 98.08 256
Percentage of female employees accepting training % 98 98.2 98.14 256
Percentage of male employees accepting training % 98 97.99 97.99 256
Percentage of senior managers accepting training % 100 100 100 256
Training coverage rate for formal employees 100% 154
Training coverage rate for head office management personnel 100% 154
Training coverage rate for new employees 100% 154
Training coverage rate for operation staff at branch outlets 100% 154

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

Indicator Unit 2022 2023 2024 Report Pages
Employee training expenses RMB10000 52683 54777 59681 256
Participation in digital enablement training by branch business personnel person-times 31700 147
Participation in digital training programs by cadres and employees person-times 32100 147

Number of suppliers by geographical region.

Indicator Unit 2021 2022 2023 2024 Report Pages
Balance of ESG-themed wealth management products on consignment RMB billion 13.134 96
Balance of agriculture-related loans RMB100 million 1769 2011.26 2410.41 246
Balance of loans made to clean energy industry (RMB100 million) RMB100 million 1270.29 1471.59 1618.52 110
Balance of loans made to clean production industry (RMB100 million) RMB100 million 88.28 79.76 87.38 110
Balance of loans made to ecological and environmental industries (RMB100 million) RMB100 million 108.61 144.37 85.12 110
Balance of loans made to energy-saving and eco-friendly industry (RMB100 million) RMB100 million 511.13 606.58 588.29 110
Balance of loans made to green service (RMB100 million) RMB100 million 11.39 14.88 26.69 110
Balance of loans made to green upgrades of infrastructure (RMB100 million) RMB100 million 1563.87 2160.48 2476 110
Balance of loans to inclusive SMEs RMB100 million, billion RMB 6783.49 8042.79 8876.79 15, 130, 246
Balance of loans to technology enterprises RMB100 million / 5380.76 5904.56 15
Balance of loans to the clean energy industry billion RMB 161.852 90
Balance of public funds on consignment with ESG, green, environmental protection, new energy, and carbon neutrality themes RMB billion 4.246 96
Budget of centralized procurement projects (headquarters) RMB100 million 49.19 25.56 58.8 260
Increase in balance of loans to inclusive SMEs compared with previous year billion RMB 83.4 130
Increase in green bonds held compared to previous year % 16.36 94
Increase in green building mortgage loans compared to previous year RMB billion 21.683 95
Increase in number of inclusive SMEs with loan balances compared with previous year households 72800 130
Loan growth for inclusive finance % 10.37 10
Loan growth for technology sector % 9.73 10
Newly issued loans to inclusive SMEs billion RMB 622.533 130
Number of centralized procurement projects (headquarters) 282 252 312 260
Number of community banks 150 134 115 241
Number of corporate clients financed 72000 10
Number of corporate clients using financial cloud services 615200 10
Number of domestic and foreign branches 1910 1935 1948 241
Number of domestic business outlets 1899 1924 1937 241
Number of domestic self-service banks 2695 2226 2190 241
Number of self-service equipment 5855 5281 5277 241
Number of sub-branches operated in Chinese mainland sub-branches 1794 134
Number of suppliers for centralized procurement projects 528 476 461 259
Number of suppliers in overseas and Hong Kong, Macao, and Taiwan regions 30 22 10 259
Number of suppliers in the Chinese mainland 498 454 451 259
Number of suppliers included in supplier database 29868 30252 43734 259
Proportion of agriculture-related loan balance to total loan balance % 3.04 3.21 3.56 246
Year-on-year increase in balance of green loans % 9.03 90
Year-on-year increase in balance of loans to the clean energy industry % 9.98 90
Year-on-year increase in green leasing business balance 19.27% 96

Description of practices relating to engaging suppliers, number of suppliers where the practices are being implemented, and how they are implemented and monitored.

Indicator Unit 2021 2022 2023 2024 Report Pages
Average cycle of centralized procurement projects (headquarters) day 24 25 23 260
Coverage rate of contract performance management for centralized procurement catalogue projects (bank-wide, managed by headquarters) % 100 100 100 260
Coverage rate of supplier review (headquarters' centralized procurement certification database) % 100 100 100 260
Feed equipment leasing services provided by CMB Financial Leasing million RMB 238 134
Green loan balance increase compared to prior year (RMB100 million) RMB100 million 915.15 924.08 404.35 110
Number of new policies, products and services reviewed item 76464 102983 180921 15
Number of new policies, products, and services reviewed item 76464 102983 180921 247
Number of supplier social responsibility training sessions / / 4 260

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

Indicator Unit 2022 2023 2024 Report Pages
Number of suppliers passing certification audits 10000 1.2 1.2 1.8 259

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

Indicator Unit 2021 2022 2023 2024 Report Pages
Annual accumulative number of consumer education activities times 14940 18256 34669 247
Coupon rate of 2024 First Tranche Green Medium-Term Notes (Science and Innovation Notes) for Hunan Iron and Steel Group Co., Ltd. % 2.65 94
Coupon rate of 2024 First Tranche Green Medium-Term Notes for Sichuan Energy Investment Group Co., Ltd. % 2.78 93
Coupon rate of 2024 Second Tranche Medium-Term Notes (Sustainability-Linked) for Fujian Longyan Expressway Co., Ltd. % 2.05 93
Cumulative number of users on CMB Life App 100 million 1.37 1.44 1.49 242
Customer coverage rate of corporate online channels % 94.71 96.21 96.83 242
Growth in client transactions % 19.4 10
Growth in cross-border payments % 19.26 10
Net Promoter Score (NPS) points 75.85 156
New employees consumer rights protection training sessions person-times 29832 154
Number of ESG-themed wealth management products launched by CMB Wealth Management 8 96
Number of ESG-themed wealth management products on consignment 19 96
Number of client production entities served by feed equipment leasing entities 11 134
Number of complaints against CMB in Beijing complaints 14720 161
Number of complaints against CMB in Changchun complaints 1267 161
Number of complaints against CMB in Changsha complaints 2687 161
Number of complaints against CMB in Chengdu complaints 3410 161
Number of complaints against CMB in Chongqing complaints 3331 161
Number of complaints against CMB in Dalian complaints 2124 161
Number of complaints against CMB in Dongguan complaints 1879 161
Number of complaints against CMB in Foshan complaints 1789 161
Number of complaints against CMB in Fuzhou complaints 1807 161
Number of complaints against CMB in Guangzhou complaints 6364 161
Number of complaints against CMB in Hangzhou complaints 5979 161
Number of complaints against CMB in Harbin complaints 2641 161
Number of complaints against CMB in Hefei complaints 2883 161
Number of complaints against CMB in Jinan complaints 4101 161
Number of complaints against CMB in Kunming complaints 1800 161
Number of complaints against CMB in Nanchang complaints 2614 161
Number of complaints against CMB in Nanjing complaints 6846 161
Number of complaints against CMB in Ningbo complaints 1681 161
Number of complaints against CMB in Qingdao complaints 3295 161
Number of complaints against CMB in Shanghai (includes credit card complaints) complaints 66296 161
Number of complaints against CMB in Shenyang complaints 3749 161
Number of complaints against CMB in Shenzhen (includes complaints related to headquarters departments) complaints 28949 161
Number of complaints against CMB in Suzhou complaints 2694 161
Number of complaints against CMB in Taiyuan complaints 1444 161
Number of complaints against CMB in Tianjin complaints 3446 161
Number of complaints against CMB in Wuhan complaints 6423 161
Number of complaints against CMB in Xiamen complaints 1600 161
Number of complaints against CMB in Xi’an complaints 5366 161
Number of complaints against CMB in Yantai complaints 1368 161
Number of complaints against CMB in Zhengzhou complaints 2458 161
Number of consumer rights protection proposals reviewed by Board of Directors 9 151
Number of consumer rights protection reports listened to by Board Committee on Connected Transactions Management and Consumer Rights Protection 15 151
Number of consumer rights protection reports listened to by Board of Supervisors 8 151
Number of customers on the CMB Corporate App 10000 148.88 185.02 218.74 242
Number of customers on the online corporate banking platform 10000 233.38 264.64 299.35 242
Number of individual clients financed 5460000 10
Number of monthly active users of CMB App 10000, ten thousand 6686.2 6686.2 7505.43 8267.81 15, 242
Number of new individual customers 10000 1060 1282 1295 242
Number of orders placed through the “Zhaocaiyun” Platform 390000 499724 691297 259
Number of users of CMB App 100 million 1.88 2.07 2.26 242
Number of visual devices 12511 7603 4953 241
Rate of customer complaints handled % / 100 100 247
Remote online omni-channel customer satisfaction % 98.53 99.1 99.69 15
Response rate within 1-hour for customer complaints % 99.78 156
Total client savings from reduced fees and waived charges billion RMB 10 10
Total retail customers 100 million 1.84 1.97 2.1 242
Transaction amount on the CMB Corporate App RMB100 million 8649.25 7507.15 10160.34 242
Year-on-year increase in registered users of Zhaodai App % 16.48 130

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

Indicator Unit 2024 Report Pages
Leading underwriting share of green bonds RMB billion 24.835 93

Description of quality assurance process and recall procedures.

Indicator Unit 2024 Report Pages
Number of new service outlets added outlets 13 134

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

Indicator Unit 2022 2023 2024 Report Pages
Branch management personnel consumer rights protection training sessions person-times 27872 154
Branch operation staff consumer rights protection training sessions training sessions 68100 154
Head office management personnel consumer rights protection training sessions person-times 886 154
Middle- and back-office staff consumer rights protection training sessions person-times 59142 154
Number of people covered by consumer rights protection training person 89600 99797 91438 247
Percentage of new credit card applicants submitting documentation via paperless methods % 99.45 105
Registered users of Zhaodai App million 4.2231 130
Review coverage rate for consumer rights protection % 100 156
Total employees covered by consumer rights protection training employees 91438 154

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

Indicator Unit 2022 2023 2024 Report Pages
Number of cadres’ integrity talks before taking office 1757 1667 3333 297
Number of existing transaction monitoring rules optimized 135 291
Number of new transaction monitoring rules added 105 291
Number of proposals reviewed by Board meetings proposals 103 263
Number of proposals reviewed by specialized committee meetings proposals 135 263
Number of reports received by Board meetings reports 22 263
Number of reports received by specialized committee meetings reports 28 263
Number of specialized committee meetings held meetings 42 263
Total number of Board and specialized committee meetings held meetings 57 263
Total number of proposals reviewed by Board and specialized committee meetings proposals 238 263
Total number of reports received by Board and specialized committee meetings reports 50 263

Description of anti-corruption training provided to directors and staff.

Indicator Unit 2022 2023 2024 Report Pages
Anti-corruption training times 1500 1880 2526 297
Number of AML training sessions organized 1258 291
Number of Board meetings held meetings 15 263
Number of employees covered by AML training sessions 270000 291
Number of executive directors 1 2 3 295
Number of people covered by anti-corruption training 10000 16.4 19.79 32.34 297
Percentage of directors covered by anti-bribery and anti-corruption training % 100 297
Percentage of grassroots employees covered by anti-bribery and anti-corruption training % 95.57 297
Percentage of senior management covered by anti-bribery and anti-corruption training % 100 100 100 297
Total number of directors covered by anti-bribery and anti-corruption training 14 297
Total number of grassroots employees covered by anti-bribery and anti-corruption training 81834 297
Total number of senior management covered by anti-bribery and anti-corruption training 13 13 10 297

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

Indicator Unit 2022 2023 2024 Report Pages
Amount of newly issued inclusive SMEs loans within this year RMB100 million 4762.43 6028.21 6225.33 246
Number of consumer education participants 10000 person-times 50801 55465 56521.83 247
Number of outlets with barrier-free accesses 1899 1924 1937 241
Peak order subscription multiple for offshore social responsibility bond times 5.5 130
Total number of credit card 'Points for Micro Charity' donation cardholders 10000 16.21 24.9 15.39 258

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

Indicator Unit 2022 2023 2024 Report Pages
Average interest rate of newly issued loans to inclusive SMEs % 4.22 130
First offshore social responsibility bond of Chinese-funded banks issued by CMB's New York Branch million US dollars 300 130
Green financial assets allocated by CMB Financial Leasing RMB billion 73.388 96
Investment amount in rural revitalization (headquarters to Wuding County and Yongren County, Chuxiong Yi Autonomous Prefecture, Yunnan) RMB10000 / / 5606.65 258
Issuance interest rate for offshore social responsibility bond (SOFR plus basis points) basis points 54 130
Number of people benefited from rural revitalization (Wuding County and Yongren County, Chuxiong Yi Autonomous Prefecture, Yunnan) 10000 / / 33.67 258
Outstanding balance of ESG-themed wealth management products launched by CMB Wealth Management RMB billion 7.691 96
Outstanding balance of green building mortgage loans RMB billion 54.901 95
Person-times of people reached by financial education and publicity million 565 156
Total amount of external donations RMB100 million 0.95 1.15 1.27 258
Total external donations RMB100 million 0.95 1.15 1.27 15
Total green bond issuance amount RMB billion 73.143 93
Total green bonds held by the company billion RMB 27.713 94
Total points of credit card 'Points for Micro Charity' donations 10000 3543.83 2115.36 2178.72 258
Weighted average loan interest rate for carbon emission reduction loans % 3 90
Year-on-year increase in total balance of green finance product aggregate (FPA), green retail, and green investment % 23.33 90

The types of emissions and respective emissions data.

Standard Indicator Unit
Airborne Particulate Matter (PM) Emissions tonnes
NOₓ Emissions tonnes
SOₓ Emissions tonnes

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 2024
Direct GHG Emissions (Scope 1) 10000 tons of CO2 equivalent 2.31 2.93 5.33
HFC Emissions 10000 tons of CO2 equivalent 1.04 1.73 4.16
Indirect Energy Emissions (Scope 2) 10000 tons of CO2 equivalent 45.5 47.43 46.59
Mobile Combustion Emissions 10000 tons of CO2 equivalent 0.34 0.36 0.34
Scope 3 GHG Emissions (Business Travel) 10000 tons of CO2 equivalent 1.98 5.57 4.59
Scope 3 GHG Emissions (Capital Goods) 10000 tons of CO2 equivalent 61.08 69.58 77.91
Scope 3 GHG Emissions (Downstream Leased Assets) 10000 tons of CO2 equivalent 1.41 1.5 1.56
Scope 3 GHG Emissions (Employee Commuting) 10000 tons of CO2 equivalent 3.82 6.57 8.76
Scope 3 GHG Emissions (Fuel and Energy-related Activities (Not Included in Scope 1 or Scope 2)) 10000 tons of CO2 equivalent 14.2 14.55 14.8
Scope 3 GHG Emissions (Purchased Goods/Services) 10000 tons of CO2 equivalent 161.25 174.12 170.85
Scope 3 GHG Emissions (Upstream Transportation and Distribution) 10000 tons of CO2 equivalent 1.34 1.21 1.05
Scope 3 GHG Emissions (Waste Generated in Operations) 10000 tons of CO2 equivalent 0.7 0.61 0.54
Stationary Combustion Emissions 10000 tons of CO2 equivalent 0.93 0.84 0.83
Total GHG Emissions 10000 tons of CO2 equivalent 47.81 50.36 51.92
Total GHG Emissions Intensity (By Employee) tons of CO2 equivalent/person 3.59 3.66 3.76
Total Other Indirect Energy Emissions (Scope 3) 10000 tons of CO2 equivalent 245.78 273.71 280.06

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

Standard Indicator Unit 2023 2024
Total Hazardous Waste tons 58.43 50.51
Total Hazardous Waste Intensity (By Employee) kilograms/person 0.42 0.37

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

Standard Indicator Unit 2023 2024
Non-Hazardous Waste (Domestic Waste) tons 30670.57 30114.39
Non-Hazardous Waste (Kitchen Waste) metric tons 188.76
Total Non-Hazardous Waste Intensity (By Employee) kilograms/person 222.72 217.84

Description of emissions target(s) set and steps taken to achieve them.

Standard Indicator Unit 2021 2022 2023 2024 2025
Ammonia Nitrogen Emissions Reduction Compared to Last Year 10000 tons 5.5 2.4 2.28
CO2 Emissions Reduction Compared to Last Year 10000 tons 1613.05 3391.72 3707.45 1928.78
GHG Emissions Reduction Compared to Last Year tons of carbon dioxide equivalent 10714.13
NOx Emissions Reduction Compared to Last Year 10000 tons 3.48 4.43 5.17
SO2 Emissions Reduction Compared to Last Year 10000 tons 16.49 17.29 18.19
Scope 1 and 2 Emissions Reduction Percentage Compared to Last Year % 20
Scope 2 Emissions Reduction Percentage Compared to Last Year % 4

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 2021 2022 2023 2024
Diesel Fuel Consumption liters 44100 66935.92 79635.5 1773.44
Energy Consumption Intensity (By Employee) tons of standard coal/person 0.93 0.94 0.91
Gasoline Consumption liters 1576.64 144799.11 147374.89 145030
LPG Consumption tons 5.92 53.41 48.96
Natural Gas Consumption cubic meters 404720 363250 369110
Purchased Electricity MWh 749206.76 755746.17 730468.45
Purchased Heating RMB10000 1796.43 1992.47 1722.09
Total Direct Energy Consumption tons of standard coal 6700 6200 6100
Total Energy Consumption tons of standard coal 103300 107400 105200
Total Indirect Energy Consumption tons of standard coal 96600 101200 99100

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

Standard Indicator Unit 2024
Municipal Water Consumption million metric tons 1.8384

Description of energy use efficiency target(s) set and steps taken to achieve them.

Standard Indicator Unit 2024
Electricity Usage Reduction Compared to Last Year kWh 532600
Energy Consumption Reduction Compared to Last Year tonnes standard coal 328.71

Description of whether there is any issue in sourcing water that is fit for purpose, water efficiency target(s) set and steps taken to achieve them.

Standard Indicator Unit 2022 2023
Water Consumption Reduction Compared to Last Year 10000 tons 70.89 -48.32
Water Consumption Reduction Percentage Compared to Last Year % 4.79 -3.11

Description of the significant climate-related issues which have impacted, and those which may impact, the issuer, and the actions taken to manage them.

Standard Indicator Unit 2024
Investment in Climate Change Management billion RMB 1135.174

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

Standard Indicator Unit 2022 2023 2024
Number of Employees Aged 30-50 62608 68744 71335
Number of Employees Aged Above 50 1325 1380 1847
Number of Employees Aged Below 30 46066 45405 44019
Number of Employees in Central China 12832 12361 11691
Number of Employees in Northeast China 5273 5217 5114
Number of Female Employees 59405 62085 63807
Number of Male Employees 46014 47580 48094
Number of New Employees 10639 10611 9119
Number of New Employees (Above 50) 35 42 47
Number of New Employees (Aged 30-50) 1308 1147 987
Number of New Employees (Aged Below 30) 9296 9422 8085
Number of New Employees (Female) 6162 6505 5365
Number of New Employees (Male) 4477 4106 3754
Number of New Employees (On-campus Recruitment) 6276 7113 6365
Number of New Employees (Social Recruitment) 4363 3498 2754
Number of Total Employees 112999 116529 117201
Percentage of Female Employees % 56 57 57
Percentage of Male Employees % 44 43 43

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

Standard Indicator Unit 2022 2023 2024
Turnover Rate of Employees Aged 30-50 % 4.76 4.13 3.18
Turnover Rate of Employees Aged Above 50 % 3.46 1.94 2.15
Turnover Rate of Employees Aged Below 30 % 10.73 10.22 10.37
Turnover Rate of Female Employees % 6.65 6.32 5.82
Turnover Rate of Male Employees % 7.78 6.7 5.59
Turnover Rate of Total Employees % 7.14 6.61 5.72

Lost days due to work injury.

Standard Indicator Unit 2022 2023 2024
Lost Days Due to Work-related Injuries day 1886 2310 4472

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

Standard Indicator Unit 2022 2023 2024
Percentage of Employees Trained % 98 98.12 98.08
Percentage of New Employees Trained % 100
Percentage of Trained Female Employees % 98 98.2 98.14
Percentage of Trained Male Employees % 98 97.99 97.99
Percentage of Trained Senior Management % 100 100 100
Total Cost of Training RMB 526830000 547770000 596810000

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

Standard Indicator Unit
Average Training Hours (Female) hour
Average Training Hours (General Staff) hour
Average Training Hours (Male) hour
Average Training Hours (Middle Management) hour
Average Training Hours (Senior Management) hour
Average Training Hours per Employee hour

Number of suppliers by geographical region.

Standard Indicator Unit 2022 2023 2024
Number of Suppliers in Hong Kong 30 22 10
Number of Suppliers in Mainland China 498 454 451
Number of Total Suppliers 528 476 461

Description of practices relating to engaging suppliers, number of suppliers where the practices are being implemented, and how they are implemented and monitored.

Standard Indicator Unit 2023
Number of Supplier Social Responsibility Training Sessions 4

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

Standard Indicator Unit 2024
Complaints Handling Rate % 100
Total Number of Customer Complaints complaints 207013

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

Standard Indicator Unit 2024
Employee Coverage of Data Security Training % 100

Description of anti-corruption training provided to directors and staff.

Standard Indicator Unit 2022 2023 2024
Anti-corruption Training Coverage among Directors and Management % 100
Coverage of Anti-corruption Training for Employees % 95.57
Number of Anti-corruption Training Session sessions 1258
Number of Attendance for Anti-corruption Training person-times 1500 1880 2526
Number of Directors and Management Attendance for Anti-corruption Training persons 24
Number of General Employees Attendance for Anti-corruption Training persons 81834
Number of People Participated in Ethical Standards and Anti-corruption Training persons 164000 197900 323400

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

Standard Indicator Unit 2022 2023 2024
Total Cash Donations RMB100 million 0.95 1.15 1.27
Total Public Welfare Donations RMB100 million 0.95 1.15 1.27