2024 ESG 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 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Scope 1 (direct) greenhouse gas emissions of the Head Office | 0000 tonnes of CO2 equivalent | 0.17 | 0.19 | 20 |
| Scope 2 (indirect) greenhouse gas emissions of the Head Office | 0000 tonnes of CO2 equivalent | 2.91 | 3.07 | 20 |
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 |
|---|---|---|---|---|
| Total non-hazardous waste of the Head Office | Tonne | 1545 | 1460 | 20 |
Description of emissions target(s) set and steps taken to achieve them.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Annual carbon dioxide emission reduction from transition finance loans in Tianjin | tons | 3738 | 50 |
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 | 2024 | Report Pages |
|---|---|---|---|---|
| Paper saved from e-statement | ’0000 pieces | 771.23 | 817.77 | 21 |
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 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Number of sets of data on printing usage collected by Tianjin Branch | sets | 7048 | 55 | |
| Total fuel consumption of official vehicles of the Head Office | Liter | 14873 | 12053 | 21 |
| Total gas consumption of the Head Office | m³ | 749254 | 864746 | 21 |
| Total power consumption of the Data Center | kWh | 20560820 | 22141060 | 21 |
| Total power consumption of the Head Office | kWh | 20743392 | 21437093 | 21 |
Water consumption in total and intensity (e.g. per unit of production volume, per facility).
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Paper usage for various promotion materials, cards and envelopes, single-sheet papers | ’0000 pieces | 17.95 | 6.54 | 21 |
| Total water consumption of the Head Office | Tonne | 86390 | 87204 | 21 |
Description of energy use efficiency target(s) set and steps taken to achieve them.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Duration of lights-off event for Earth Hour at Hong Kong Branch | hour | 1 | 55 |
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 |
|---|---|---|---|
| 2024 Gamma Award for Technological Innovation | Awarded | 15 |
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 |
|---|---|---|---|
| Duration of transition finance loans provided to Bohai Chemical Group companies in Tianjin | years | 3 | 50 |
Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Allowance coverage ratio | % | 156.94 | 155.19 | 20 |
| Gender ratio of employees | % | 46.38 | 53.62 | 24 |
| Gender ratio of middle and senior management | % | 80.16 | 19.84 | 24 |
| Number of employee representative meetings held at Head Office | 9 | 101 | ||
| Number of employees aged 31-50 | Person | 9554 | 9809 | 22 |
| Number of employees from Chinese Mainland | Person | 13843 | 13760 | 22 |
| Number of employees from Hong Kong | Person | 58 | 64 | 22 |
| Number of employees over 50 years old | Person | 838 | 931 | 22 |
| Number of employees under 30 years old | Person | 3509 | 3084 | 22 |
| Number of ethnic minority employees | Person | 633 | 626 | 24 |
| Number of female employees | Person | 7403 | 7413 | 22 |
| Number of male employees | Person | 6498 | 6411 | 22 |
| Number of new employees | Person | 1360 | 765 | 22 |
| Return on net assets | % | 4.48 | 4.44 | 20 |
| Return on total assets | % | 0.3 | 0.29 | 20 |
| Total assets | RMB'0000, billion RMB | 173273383.6 | 184384212.8 | 11, 20 |
| Total number of employees | Person | 13901 | 13824 | 22 |
Employee turnover rate by gender, age group and geographical region.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Employee turnover rate | % | 4.92 | 5.35 | 22 |
| Operating income | RMB'0000 | 2499737 | 2548158.9 | 20 |
| Turnover rate of employees aged 31-50 | % | 3.18 | 3.29 | 22 |
| Turnover rate of employees over 50 years old | % | 0.14 | 0.12 | 22 |
| Turnover rate of employees under 30 years old | % | 1.6 | 1.94 | 22 |
| Turnover rate of female employees | % | 2.35 | 2.52 | 22 |
| Turnover rate of male employees | % | 2.57 | 2.83 | 22 |
The percentage of employees trained by gender and employee category (e.g. senior management, middle management).
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Number of employees learning online | Person | 14870 | 14784 | 23 |
| Number of employees participating in training | Person | 1268308 | 1114930 | 23 |
| Proportion of frontline employees participating in training | % | 100 | 100 | 23 |
| Proportion of middle-level management participating in training | % | 100 | 100 | 23 |
| Wealth Management Excellence Award of the Year | Awarded | 15 |
The average training hours completed per employee by gender and employee category.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Average length of training and learning for employees | Hour | 31.55 | 21.57 | 23 |
| Average length of training for frontline employees | Hour | 33.66 | 27.76 | 23 |
| Average length of training for middle-level management | Hour | 75 | 40.1 | 23 |
| Number of employee training sessions | Session | 4075 | 3987 | 23 |
Number of suppliers by geographical region.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Agriculture-related loan balance | RMB million | 45740 | 63 | |
| Balance of agriculture-related loans | million RMB | 45740 | 8 | |
| Balance of green loans | RMB million, million RMB | 48530 | 8, 49 | |
| Balance of inclusive loans | RMB million, million RMB | 555271 | 8, 58 | |
| Balance of loans to technology enterprises | RMB million, million RMB | 45878 | 8, 71 | |
| Budget amount involved in centralized procurement | RMB'0000 | 89558 | 61607 | 24 |
| Growth rate of green loans | % | 55.25 | 49 | |
| Growth rate of inclusive loan accounts | % | 11.93 | 8 | |
| Growth rate of inclusive loans | % | 7.38 | 8 | |
| Growth rate of loans to the clean energy sector | % | 105.38 | 49 | |
| Increase in number of inclusive loan accounts | % | 11893 | 58 | |
| Increase in number of technology enterprise loan accounts compared to beginning of year | 333 | 71 | ||
| Number of branches included in Tianjin Branch printing data analysis | branches | 39 | 55 | |
| Number of departments included in Tianjin Branch printing data analysis | departments | 29 | 55 | |
| Number of domestic and overseas branches | Branch | 370 | 376 | 25 |
| Number of domestic self-service banking outlets | Outlet | 370 | 374 | 25 |
| Number of officially opened outlets | 376 | 11 | ||
| Number of overseas suppliers | Supplier | 7 | 15 | 24 |
| Number of sub-branches | 291 | 11 | ||
| Number of suppliers in Chinese Mainland | Supplier | 689 | 641 | 24 |
| Number of tier-one branches | 34 | 11 | ||
| Number of tier-two branches | 35 | 11 | ||
| Total number of centralized procurement projects | Project | 848 | 975 | 24 |
| Total procurement of office paper at the Head Office | sheets | 5072000 | 55 | |
| Year-on-year increase in balance of agriculture-related loans | % | 27.9 | 8 | |
| Year-on-year increase in balance of green loans | % | 55.25 | 8 | |
| Year-on-year increase in balance of loans to technology enterprises | % | 9.01 | 8 |
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 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Additional collective operating income from standardized contracting system | RMB | 410000 | 105 | |
| Average project cycle of centralized procurement | Day | 34 | 29 | 24 |
| Coverage ratio of centralized procurement catalog project performance management | % | 100 | 100 | 24 |
| Coverage ratio of supplier review | % | 100 | 100 | 24 |
| Number of printer brands and models analyzed by Tianjin Branch | brands and models | 61 | 55 |
Percentage of total products sold or shipped subject to recalls for safety and health reasons.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Sales of high-quality green agricultural products as of July 2024 | RMB | 600000 | 105 |
Number of products and service related complaints received and how they are dealt with.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Customer satisfaction rate via counter-terminal interactive devices | % | 99.16 | 88 | |
| Customer satisfaction rate via transaction-triggered evaluation prompts on smart devices | % | 99.89 | 88 | |
| Decrease in average loan execution rate | percentage point | 0.4 | 58 | |
| Increase in agriculture-related loan balance compared with beginning of year | RMB million | 9966 | 63 | |
| Increment of green loans | RMB million | 17270 | 49 | |
| Increment of loans to the clean energy sector | RMB million | 7998 | 49 | |
| Manual service volume of remote banking | 10000 persons | 109.86 | 105.74 | 25 |
| Number of customer complaints received | Case | 21907 | 22593 | 25 |
| Number of customer ratings of satisfaction via counter-terminal interactive devices | ratings | 253004 | 88 | |
| Number of customer service satisfaction questionnaires collected at business outlets | questionnaires | 37544 | 88 | |
| Number of participants in consumer rights protection training | participants | 120000 | 88 | |
| Number of performances being praised and recognized by customers | Time | 324 | 233 | 25 |
| Number of self-service devices | Set | 1442 | 1254 | 25 |
| Number of technology enterprise loan accounts | 1258 | 71 | ||
| Number of training sessions on consumer rights protection | sessions | 700 | 88 | |
| Number of valid service evaluations via counter-terminal interactive devices | evaluations | 255142 | 88 | |
| Online channel chat-bot service volume | 10000 persons | 274.36 | 661.41 | 25 |
| Overall customer satisfaction | % | 99.38 | 99.33 | 25 |
| Overall customer service satisfaction rate at business outlets | % | 95.9 | 88 |
Description of practices relating to observing and protecting intellectual property rights.
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Granted agriculture-related M&A loans | RMB million | 952 | 63 |
| Granted agriculture-related syndicated loans | RMB million | 2948 | 63 |
Description of consumer data protection and privacy policies, and how they are implemented and monitored.
| Indicator | Unit | 2023 | 2024 | Report Pages |
|---|---|---|---|---|
| Bank of Finance Production Innovation Award | Awarded | 15 | ||
| Outstanding Case for Financial Consumer Protection of the Year | Awarded | 15 | ||
| Percentage of business handled via electronic channels | % | 96.38 | 96.71 | 21 |
| Percentage of credit card customer using e-statement | % | 100 | 100 | 21 |
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 | 2024 | Report Pages |
|---|---|---|---|---|
| Capital adequacy ratio | % | 11.58 | 11.63 | 20 |
Focus areas of contribution (e.g. education, environmental concerns, labour needs, health, culture, sport).
| Indicator | Unit | 2024 | Report Pages |
|---|---|---|---|
| Best Digital Finance Institution award | Awarded | 15 | |
| Contribution to collective income from characteristic industries | RMB | 200000 | 105 |
| Green Finance Pioneer award | Awarded | 15 | |
| Inclusive agriculture-related loan balance | RMB million | 4324 | 63 |
| Inclusive loans granted by Hohhot Branch for production and operational purposes in Chayouzhong Banner | RMB million | 10 | 63 |
| Increase in loan balance in regions lifted out of poverty compared with beginning of year | RMB million | 3516 | 63 |
| Loans to the clean energy sector | RMB million | 15588 | 49 |
| Number of inclusive loan accounts | 129465 | 8, 58 | |
| Number of people served by Xi'an Branch 'Respect for the Elderly Month' activities | people | 2255 | 109 |
| Number of successful blood donors at Head Office | 93 | 109 | |
| Outstanding Case of Innovative Development in China’s Banking Industry | Awarded | 15 | |
| Outstanding Cross-border Financial Services Award | Awarded | 15 | |
| Outstanding Financial Institution Empowering the Elderly Care Industry | Awarded | 15 | |
| Outstanding Regional Service Bank | Awarded | 15 | |
| Percentage growth in number of existing rural revitalization-themed cards compared with beginning of year | % | 51.59 | 63 |
| Percentage increase in agriculture-related loan balance compared with beginning of year | % | 27.9 | 63 |
| Percentage increase in balance of loans to technology enterprises compared to beginning of year | % | 9.01 | 71 |
| Percentage increase in inclusive agriculture-related loan balance compared with beginning of year | % | 16.46 | 63 |
| Percentage increase in investment in rural revitalization bonds compared with 2023 | % | 60.98 | 63 |
| Percentage increase in loan balance in regions lifted out of poverty compared with beginning of year | % | 42.83 | 63 |
| Percentage increase in number of technology enterprise loan accounts compared to beginning of year | % | 36 | 71 |
| Top Green Financial Institution Award | Awarded | 15 | |
| Underwritten rural revitalization bonds | RMB million | 38850 | 63 |
Resources contributed (e.g. money or time) to the focus area.
| Indicator | Unit | 2021-2024 | 2023 | 2024 | Report Pages |
|---|---|---|---|---|---|
| Annual income from collective operations in acceptance assessment (target) | RMB | 200000 | 105 | ||
| Average loan execution rate | % | 4.32 | 58 | ||
| Charity donation | RMB'0000 | 465.98 | 1327.43 | 25 | |
| Collective operating income achieved by four economically underdeveloped villages | RMB | 886000 | 105 | ||
| Fiscal funds generated for collective operating income for four villages | RMB | 196000 | 105 | ||
| Increase in balance of inclusive loans | % | 738 | 58 | ||
| Increase in balance of loans to technology enterprises compared to beginning of year | RMB million | 3792 | 71 | ||
| Increase in inclusive agriculture-related loan balance compared with beginning of year | RMB million | 611 | 63 | ||
| Increase in investment in rural revitalization bonds compared with 2023 | RMB million | 15054 | 63 | ||
| Investment in rural revitalization bonds | RMB million | 39740 | 63 | ||
| Loan balance in regions lifted out of poverty | RMB million | 11726 | 63 | ||
| Number of consecutive days of volunteer activities organized by Jinan Branch | days | 265 | 109 | ||
| Number of newly issued rural revitalization-themed cards | 2799 | 63 | |||
| Number of people benefited by Jinan Branch volunteer activities | people | 147683 | 109 | ||
| Number of small and micro community sub-branches | 16 | 11 | |||
| Number of volunteers signed up for Head Office blood donation activity | 120 | 109 | |||
| Support funds disbursed to four economically underdeveloped villages at the beginning of 2024 | million RMB | 3.2 | 105 | ||
| Support funds disbursed to four economically underdeveloped villages in Sangzi Town | million RMB | 9.6 | 105 | ||
| Total blood donated by Head Office volunteer service team | ml | 23300 | 109 |
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 | 2023 | 2024 |
|---|---|---|---|
| Direct GHG Emissions (Scope 1) | tonnes of CO2 equivalent | 1700 | 1900 |
| Indirect Energy Emissions (Scope 2) | tonnes of CO2 equivalent | 29100 | 30700 |
| Total GHG Emissions | tonnes of CO2 equivalent | 30800 | 32600 |
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 (Office Waste) | Tonne | 1545 | 1460 |
Description of emissions target(s) set and steps taken to achieve them.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| CO2 Emissions Reduction Compared to Last Year | tons | 3738 |
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 | 2023 | 2024 |
|---|---|---|---|
| Natural Gas Consumption | m³ | 749254 | 864746 |
| Purchased Electricity | kWh | 20560820 | 22141060 |
| Total Non-Renewable Fuel Consumption | Liter | 14873 | 12053 |
Water consumption in total and intensity (e.g. per unit of production volume, per facility).
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Water Consumption in Office | Tonne | 86390 | 87204 |
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 | None | |
| Percentage of Funds Used to Implement Climate Projects | None |
Total workforce by gender, employment type (for example, full- or part-time), age group and geographical region.
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Number of Employees Aged 30-50 | Person | 9554 | 9809 |
| Number of Employees Aged Above 50 | Person | 838 | 931 |
| Number of Employees Aged Below 30 | Person | 3509 | 3084 |
| Number of Employees in Hong Kong | Person | 58 | 64 |
| Number of Employees in Mainland China | Person | 13843 | 13760 |
| Number of Female Employees | Person | 7403 | 7413 |
| Number of Male Employees | Person | 6498 | 6411 |
| Number of New Employees | Person | 1360 | 765 |
| Number of Total Employees | Person | 13901 | 13824 |
Employee turnover rate by gender, age group and geographical region.
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Turnover Rate of Employees Aged 30-50 | % | 3.18 | 3.29 |
| Turnover Rate of Employees Aged Above 50 | % | 0.14 | 0.12 |
| Turnover Rate of Employees Aged Below 30 | % | 1.6 | 1.94 |
| Turnover Rate of Female Employees | % | 2.35 | 2.52 |
| Turnover Rate of Male Employees | % | 2.57 | 2.83 |
| Turnover Rate of Total Employees | % | 4.92 | 5.35 |
Description of occupational health and safety measures adopted, and how they are implemented and monitored.
| Standard Indicator | Unit |
|---|---|
| Investment in Work Safety | RMB |
The percentage of employees trained by gender and employee category (e.g. senior management, middle management).
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Percentage of Trained General Employees | % | 100 | 100 |
| Percentage of Trained Middle Management | % | 100 | 100 |
The average training hours completed per employee by gender and employee category.
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Average Training Hours (Middle Management) | Hour | 75 | 40.1 |
| Average Training Hours per Employee | Hour | 31.55 | 21.57 |
Number of suppliers by geographical region.
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Number of Suppliers in Mainland China | Supplier | 689 | 641 |
| Number of Suppliers in Overseas | Supplier | 7 | 15 |
Number of products and service related complaints received and how they are dealt with.
| Standard Indicator | Unit | 2023 | 2024 |
|---|---|---|---|
| Complaint Growth Rate | % | 3.13 | |
| Complaints Handling Rate | % | 100 | 100 |
| Number of Complaints Dealt with | 22593 | 22593 | |
| Total Number of Customer Complaints | Case | 21907 | 22593 |
Resources contributed (e.g. money or time) to the focus area.
| Standard Indicator | Unit | 2024 |
|---|---|---|
| Number of Employees Participating in Volunteer Activities | 120 | |
| Number of Participations in Volunteer Activities | people | 147683 |
| Number of Registered Volunteers | 120 | |
| Number of Volunteer Activities Sessions | days | 265 |
| Total Public Welfare Donations | RMB'0000 | 1327.43 |
| Total Social Investment | million RMB | 9.6 |