1、2024Environmental,Social and Governance ReportYIBIN CITY COMMERCIAL BANK CO.,LTD 2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTIAbout the Report02Chairmans Statement04About Us06Company Profile06Corporate Culture07Development History08Honors and Awards09Sustainable Development and Governance12ESG St
2、atement of Board of Directors12Stakeholder Communication13Analysis of Material Issues14Party Building Guides the Path16Deepening Foundations for DevelopmentUpholding Party Building Leadership18Improving Corporate Governance20Strict Risk Prevention and Control23Advancing Digital Intelligence Developm
3、ent30Smoothing Communication Channels31CONTENTSContents01Dual-Carbon Charts New Frontiers32Shouldering Green Finance MissionsAddressing Climate Change34Deepening Green Finance38Practicing Green Operation44022024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT YIBIN CITY COMMERCIAL BANK CO.,LTD01Upholding
4、 Financial Commitments to46Empower Local Communities and Benefit LivelihoodsFulfilling Our Mission and Responsibilities48Real Economy48Inclusive Finance49Digital Finance51Technology Finance52Pension Finance52Active Social Contribution53Compliant Procurement53Consumer Rights and Interests53Employment
5、 Support55Social Welfare5503Strengthening Foundations and56Cultivating Talent for New MomentumStrengthening Compliance in Employment58Solidifying the Talent Foundation59Robust Care System6004Appendix I:Performance Indicators65Corporate Governance Performance65Environmental Management Performance66So
6、cial Responsibility Performance68Employee Responsibility Performance69Appendix II:Index Table for Indicators72Appendix III:Reader Feedback Form77YIBIN CITY COMMERCIAL BANK CO.,LTD02About the ReportReport OverviewThis report is the 2024 Environmental,Social,and Governance(ESG)Report(hereinafter refer
7、red to as“this Report”)issued by Yibin City Commercial Bank Co.,Ltd.It aims to disclose and demonstrate the efforts and achievements of the Bank and its subsidiaries in the areas of environmental,social,and governance(“ESG”)to stakeholders.TimeframeThis Report covers the period from January 1,2024,t
8、o December 31,2024,unless otherwise specified.To ensure completeness,some information extends beyond this timeframe.Scope of the ReportIn this Report,the main body is Yibin City Commercial Bank Co.,Ltd,covering the head office,branches and sub-branches,and subsidiaries.For easy expression,in this Re
9、port,“Yibin City Commercial Bank”or“the Bank”represents Yibin City Commercial Bank Co.,Ltd(excluding subsidiaries),and“the Group”or“we”represents the head office,branches and sub-branches,and subsidiaries.Data SourcesAll information and data in this Report are sourced from publicly available governm
10、ent data,the Groups official documents,publicly disclosed filings,and internal relevant summary statistics.The financial data cited in this Report is derived from the audited financial information contained in the Groups 2024 Annual Report.If there is any inconsistency between the financial data in
11、this report and the Groups 2024 Annual Report,the Groups 2024 Annual Report shall prevail.Unless otherwise specified,all monetary amounts in this Report are denominated in Renminbi(RMB),the legal currency of the PRC.Appellation NoteYibin City Commercial Bank,the Bankrefer toYibin City Commercial Ban
12、k Co.,LtdNeijiang Xinglong Rural Bankrefer toNeijiang Xinglong Rural Bank Co.,Ltd.Yibin Xingyi Rural Bankrefer toYibin Xingyi Rural Bank Co.,Ltd.2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT03Basis of PreparationThis Report is prepared in accordance with Appendix C2 of the Rules Governing the List
13、ing of Securities on The Stock Exchange of Hong Kong Limited,the Environmental,Social and Governance Reporting Code(the“HKEX ESG Code”),and adheres to the reporting principles of materiality,quantification,balance,and consistency as outlined in the HKEX ESG Code.Materiality principle:Through a mater
14、iality assessment,this Report identifies the impact of ESG-related matters on stakeholders and focuses on responding to and disclosing issues of higher materiality.Quantification principle:By establishing ESG indicator collection tools covering the head office,branches and sub-branches,and subsidiar
15、ies,key ESG performance indicators are presented in measurable ways where feasible.This Report also discloses the calculation basis for quantitative values and statistical calibers.Balance principle:The content of this Report is derived from the Groups internal management documents,statistics,and pu
16、blicly disclosed information.Both positive and negative indicators are disclosed to reflect objective facts and present the Groups ESG performance.Consistency principle:Unless otherwise specified,the indicators used in future reports will remain as consistent as possible,with explanatory notes on in
17、dicators that have changed to reflect trends in performance levels.The preparation of this Report also references the Sustainability Reporting Standards of the Global Reporting Initiative(GRI)and the International Financial Reporting Sustainability Disclosure Standard No.2 Climate-related Disclosure
18、s issued by the International Sustainability Standards Board(ISSB),among other relevant requirements.Report ApprovalThis Report has been approved by the Board of Directors on April 24,2025.Report ReleaseThis Report is available in both Chinese and English.In case of any discrepancies between the two
19、 versions,the Chinese version shall prevail.The electronic version of this Report can be accessed or viewed on the Hong Kong Stock Exchange website(www.hkexnews.hk)or the Banks website(https:/ FeedbackTo continuously improve the Groups ESG management level,enhance the quality of ESG disclosures,and
20、implement ESG development concepts,we welcome feedback from readers regarding this Report(refer to Appendix III“Reader Feedback Form”for details).Please send your comments to the Banks email address().04YIBIN CITY COMMERCIAL BANK CO.,LTDChairmans StatementUNDER THE GUIDANCE OF PARTY BUILDING,WE LAID
21、 A FIRM FOUNDATION FOR GOVERNANCE.Taking Party building as our compass,we have deeply integrated the Partys leadership into our corporate governance and established a four-dimension governance system,which features an orientation decided by the Party Committee,decision-making in the hands of the Boa
22、rd of Directors,accountabilities determined by the Board of Supervisors,and a code of conduct stipulated by the senior management,to strengthen strategic guidance,regulation implementation and risk management.We translated the political consciousness of the“Two Establishments”into proactive actions
23、to“serve real economy”,and incorporated green credit and inclusive finance into the performance metrics of“Party Member Pioneer Posts”,enabling the“red gene”to become the core driver for innovation and risk prevention.ANCHORED IN REAL ECONOMY,WE ARE COMMITTED TO EMPOWERING INDUSTRIAL UPGRADING.With
24、targeted efforts,we helped bolster the real economy.To fully support the establishment and operations of the leading enterprises of the new energy industry,we provide projects of leading industries developing digital economy and new energy such as power battery and crystalline silicon PV with specia
25、l facilities,contributing to the development of“Chinas Capital of Power Battery”.Focusing on core enterprises in green industrial chains,we innovated supply chain financial services to support technological upgrades and capacity expansion among supporting enterprises,driving industrial advancement t
26、oward higher value-added segments and fostering clustered development advantages.We deepened our engagement with the“4+4+4”modern industrial clusters by crafting comprehensive financial solutions for industry leaders.Leveraging digital technology,we introduced unsecured inclusive financial products
27、that enable rapid loan disbursement through big-data risk control,ensuring financial services permeate like spring rain,benefiting countless enterprises and businesses.BASED ON GREEN,WE ARE COMMITTED TO PAINTING AN ECOLOGICAL LANDSCAPE.Contributing to attaining the objective of carbon peaking and ca
28、rbon neutrality,we have factored green finance into our development by founding the first specialized In 2024,a pivotal year for fully implementing the guiding principles of the 20th National Congress of the Communist Party of China,Yibin City Commercial Bank remained steadfastly guided by Xi Jinpin
29、g Thought on Socialism with Chinese Characteristics for a New Era.We upheld our founding mission of“serving the local economy,supporting small and medium-sized enterprises,and benefiting urban and rural residents”,integrating ESG principles into our developmental DNA.In our journey to drive regional
30、 economic growth,safeguard green ecosystems,and fulfill our financial responsibilities to the people,we delivered a robust and inspiring performance in corporate responsibility.052024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTAt this pivotal moment,as we conclude the 14th Five-Year Plan,we remain st
31、eadfastly committed to serving national priorities and our vision of“green transformation,digital transformation,and financial inclusion”,and are dedicated to perfecting our ESG management system to establish a model for regional commercial banks in central and western China;we will empower green en
32、ergy initiatives and the digital economy,supporting Yibins efforts to build nationally influential green industry clusters;we will deepen our engagement through an integrated“finance+scenario”ecosystem,creating warmer experiences for the people living in Yibin City.On the confluence of three rivers,
33、a multitude of ventures compete;with tailwinds at our back,this is the opportune moment to forge ahead.As a bank deeply rooted in Rongzhou City,the historical name of Yibin City,we have always grown in harmony with the citys pulse.From fostering the growth of green industry clusters and protecting t
34、he“emerald green”ecosystem of the Yangtze River to enable the transformation of businesses and brightening the“warm glow”of countless homes,each endeavor reflects our unwavering commitment to our original aspirations,and every action is our response to the needs of the era.Looking ahead,we will cont
35、inue to use our financial expertise to inscribe a brilliant chapter for Yibin City Commercial Bank on the grand canvas of Chinese-style modernization!Yibin City Commercial Bank Co.,LtdXUE FengChairmangreen finance sub-branch in Yibin City and pioneering featured products like“Carbon Footprint-Linked
36、 Loans”and“Green Procurement Financing”.These solutions deeply integrate financial support with corporate carbon reduction performance and green consumption scenarios,building a comprehensive green financial service system.We actively supported county-level sewage treatment standard-improvement and
37、capacity-expansion projects,driving environmental infrastructure upgrade and ecological governance.Furthermore,we merged green finance with biodiversity conservation,exploring a new model of“Ecology+Finance”collaborative development.From empowering the full-chain rise of green industries like power
38、batteries and photovoltaics to safeguard the pristine waters of the Three Rivers Basin,we leveraged financial strength to make the ecological character of the“First City on the Yangtze”even more vibrant and compelling.FOCUSED ON INCLUSIVENESS,WE ARE COMMITTED TO PRACTICING FINANCE FOR THE PEOPLE.We
39、firmly believe that the value of finance lies in reaching every corner of need:our online platform consolidated multiple public services,ensuring“data runs more,people run less”;community branches provided elderly-friendly services and financial literacy programs,becoming neighborhood“financial conv
40、enience stores”;tailored financial products were provided for citizen groups,helping them settle,relieve,and thrive in Yibin.Beyond banking,we translated our commitment into concrete public welfare actions actively participating in disaster relief,conducting anti-fraud campaigns,and bringing financi
41、al education to grassroots communities,truly realizing“finance for the people,finance benefiting the people”.ROOTED IN TALENT,WE ARE COMMITTED TO IGNITING INNOVATION VITALITY.We firmly believe that a companys ceiling is determined by how high its people can climb.In 2024,we have further refined our
42、talent recruitment and development mechanisms as well as compensation and benefits systems to foster a diverse and inclusive corporate culture atmosphere.Additionally,we have comprehensively strengthened employee training programs to enhance their professional competencies and managerial literacy,wh
43、ile actively caring for their physical and mental wellbeing and improving career development pathways.Through these measures,we motivated organizational endogenous power and solidified our foundation for development.06YIBIN CITY COMMERCIAL BANK CO.,LTDAbout UsCompany ProfileSince its establishment i
44、n 2006,Yibin City Commercial Bank Co.,Ltd has remained steadfast in serving the local economy,small and medium-sized enterprises,and urban residents.Deeply embedded in Yibins and Sichuan Provinces local economy and industrial clusters,we have continuously refined our financial products and service s
45、upply while staying attuned to market dynamics.This has enabled us to fix a diversified development orientation towards“a strategic cooperative bank supporting the development of industrial clusters,a specialist bank serving the baijiu industry chain,a trusted partner bank for small and micro enterp
46、rises,and a technology-empowered retail bank”.On January 13,2025,Yibin City Commercial Bank(Stock Code:02596.HK)was officially listed on the Hong Kong Stock Exchange,marking another significant milestone in its development journey.Capitalizing on Yibins high-quality development opportunities and rel
47、ying on Yibins strategic position within Sichuan Province and the Chengdu-Chongqing Economic Circle,we fully leveraged regional resource advantages and deeply integrate with local economic development priorities.We deeply engaged in the construction of the world-class baijiu industry,globally leadin
48、g power battery industry,national-level crystalline silicon photovoltaic industry,and nationally leading digital economy industry.Through efforts to develop a financial service model in sync with local economic development,which boasts of mutual empowerment,we pursued sustainable and steady growth i
49、n the new landscape.In terms of strategic positioning,by establishing digital systems and enhancing fintech capabilities,we further refined the diversified financial channels such as the“1+N”supply chain financial service model,continuously providing tailored digital services for corporate clients a
50、nd the general public.Furthermore,we have focused on building an interconnected ecosystem centered around retail,corporate,and financial market operations.By fostering efficient synergies across all business segments,we are committed to delivering comprehensive banking services with broader coverage
51、,superior experience,and seamless connectivity.Our efforts aim to inject more robust financial impetus into the high-quality economic and social development of the region.072024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTCorporate CultureThe Bank upholds the financial cultural philosophy of“Precision
52、 in Details,Ambition in Vision”.“Precision in Details”embodies our commitment to continuously satisfying peoples growing needs for a better life by serving every client with meticulous,precise,and progressive dedication.It reflects our fulfillment of responsibility as a local state-owned legal entit
53、y and financial enterprise through concrete practices of serving the real economy and providing targeted support to SMEs and micro enterprises,while maintaining precise risk prevention and control as the eternal theme of financial operations.“Ambition in Vision”represents our enduring dedication to
54、embracing the nations overarching priorities,aligning with the provinces strategic plans,and implementing the citys key initiatives.We continuously enrich our business offerings,products,and services to grow alongside our citizens and the city,synchronizing the Banks development with regional progre
55、ss to drive high-quality economic and social advancement in Yibin.08YIBIN CITY COMMERCIAL BANK CO.,LTDDevelopment HistoryTimeEventDecember 2006The Bank was established in Yibin City,Sichuan Province,China.May 2008The Bank was approved by the Peoples Bank of China to officially join the national inte
56、rbank lending market.August 2009The Bank initiated the establishment of its first rural bank Longchang Xinglong Rural Bank Co.,Ltd.,the predecessor of Neijiang Xinglong Rural Bank.December 2010The Banks first branch outside Yibin City Neijiang Branch was officially established,marking the beginning
57、of cross-regional development.October 2011The Bank officially launched its online banking services.May 2012The Bank officially launched its mobile banking services.September 2013The Bank established its Science and Technology Branch.June 2015The Bank established a specialized branch for the baijiu i
58、ndustry and signed a strategic cooperation agreement with the Yibin Liquor Association to support the development of the baijiu industry.July 2018The Bank launched the Qianhuahua platform,entering the mobile payment business.December 2019All branches of the Bank completed the transformation and laun
59、ch of smart banking services.June 2020The Bank was awarded the title of“Outstanding Service Enterprise of Sichuan Province”by the Sichuan Provincial Party Committee and Government.October 2020The Bank established its Rural Revitalization Branch.September 2021The Bank was recognized as a“Sichuan Prov
60、ince Integrity Enterprise”.December 2021The Banks registered capital increased to RMB3.9 billion,making it the largest city commercial bank in Sichuan Province by registered capital at that time,with state-owned equity accounting for 80.7%.July 2022The Bank unveiled Yibin Citys first financial educa
61、tion demonstration base the“Yiren Yibin”Financial Education Demonstration Base.March 2023The Bank,in collaboration with the Yibin Consumer Protection Committee,officially launched Sichuan Provinces first prepaid consumption service platform,“Yi Baobao”.June 2023The Bank established its Green Finance
62、 Branch.December 2023The Banks credit rating was upgraded to AA+.January 2025The Bank was listed on the Hong Kong Stock Exchange.The Bank Listed on the Hong Kong Stock Exchange on January 13,2025092024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTHonors and AwardsSecond Prize in the 2023 Anti-Money Lau
63、ndering Labor Competition for Financial Institutions in Yibin CityPeoples Bank of China Yibin BranchFirst-Class Unit in the 2023 Discipline Inspection Work Assessment for Municipal and Higher-Level State-Owned EnterprisesCommission for Discipline Inspection,CPC Yibin CommitteeAdvanced Unit in the 20
64、23 Party Building Work Assessment for State-Owned EnterprisesYibin City SASAC Party CommitteeFirst Place in the 2023 Comprehensive Evaluation of“Banking Financial Institutions Supporting Local Economic Development and Preventing Local Financial Risks in Yibin City”Yibin Municipal Financial Work Bure
65、au,Yibin Municipal Finance Bureau,Yibin Municipal State-Owned Assets Supervision and Administration Commission,Peoples Bank of China Yibin Branch,National Financial Regulatory Administration Yibin BureauIron Horse Award Most Socially Responsible Small and Medium-Sized Bank2024(12th)Small and Medium-
66、Sized Bank Development SummitGrade A in the 2023 Comprehensive Assessment of Agency Treasury Businesses for Financial Institutions in Yibin CityPeoples Bank of China Yibin BranchOutstanding Unit in Internal Audit Work in Yibin City for 2023Yibin Auditing SocietyAward Name:Granting Authority:Award Na
67、me:Granting Authority:Award Name:Granting Authority:Award Name:Granting Authority:Award Name:Granting Authority:Award Name:Granting Authority:Award Name:Granting Authority:10YIBIN CITY COMMERCIAL BANK CO.,LTD2024 Strong Rural Case Study for City Commercial BanksChina Rural Credit Cooperative News Of
68、ficeOutstanding Case in Digital FinanceCity Commercial Banks Clearing Co.,Ltd.Award Name:Granting Authority:Award Name:Granting Authority:2024 Top 100 Service Enterprises in SichuanSichuan Enterprise Confederation,Sichuan Entrepreneurs AssociationFirst Place in the 2024 Yibin Financial Statistics Kn
69、owledge CompetitionPeoples Bank of China Yibin BranchAward Name:Granting Authority:Award Name:Granting Authority:2024 Four-Star Civilized and Standardized Service Outlet in Sichuan Banking IndustrySichuan Banking AssociationNational Model Workers HomeAll-China Federation of Trade UnionsAward Name:Gr
70、anting Authority:Award Name:Granting Authority:112024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT2024“Outstanding Case”in Brand Communication for Sichuans Banking IndustrySichuan Banking AssociationSecond and Third Prizes in the 2024 Key Research Projects of Yibin Financial SocietyYibin Financial Soc
71、ietyAward Name:Granting Authority:Award Name:Granting Authority:2024 Mobile Payment Outstanding Contribution AwardChina UnionPay Sichuan BranchThird Prize in the 2024 Scientific Research Achievements of Sichuan Financial SocietyFinancial Accounting Professional Committee of Sichuan Financial Society
72、Award Name:Granting Authority:Award Name:Granting Authority:Credit Investigation Service Demonstration OutletPeoples Bank of China Yibin Branch2024 UnionPay Outstanding Cooperative Bank AwardChina UnionPayAward Name:Granting Authority:Award Name:Granting Authority:Yibin Social Security Card Quality
73、Service OutletYibin Human Resources and Social Security BureauAward Name:Granting Authority:12YIBIN CITY COMMERCIAL BANK CO.,LTDSustainable Development and GovernanceWe remain steadfast in implementing sustainable development principles,placing high importance on environmental,social,and governance(
74、ESG)management.We continuously refine our sustainability system and are committed to enhancing our ESG governance capabilities and performance.We engage with various stakeholders to discuss the path of sustainable development,promoting the coordinated unity of the Groups long-term growth,ecological
75、well-being,and social sharing.ESG Statement of Board of DirectorsThe Board of Directors prioritizes ESG initiatives,fully recognizing their pivotal role in advancing the Banks sustainable development.It proactively integrates ESG principles into strategic planning and daily operations,establishes a
76、comprehensive ESG management structure across the Gruop,and defines clear responsibilities and governance pathways to guide and oversee the implementation of ESG matters along with timely indicators and targets for ESG matters.Besides,the Board regularly evaluates key ESG performances and drives con
77、tinuous improvement in sustainability performance.All these efforts lay a solid foundation for the Groups long-term and stable growth.Table ESG Governance Structure under the Guidance of the Board of DirectorsOrganizational StructureResponsibilityESG Work Leading Group Formulate ESG governance strat
78、egies and oversee the implementation of related governance work;Establish and monitor the implementation of short-,medium-,and long-term ESG governance objectives;Identify,assess,and report ESG-related risks and opportunities to the Board of Directors;Monitor the companys ESG governance performance
79、and provide recommendations to the Board of Directors.ESG Working Office Develop ESG-related policies and regulations;Promote the formulation and execution of ESG strategic plans;Be responsible for ESG information disclosure and reporting;Effectively communicate ESG-related information to all depart
80、ments.We continue to strengthen the ESG governance capacity of its Board of Directors,with a focus on enhancing members understanding and judgment of sustainable development trends and compliance requirements.We promote deep integration of ESG concepts with directors duties.The Bank regularly organi
81、zes ESG-focused thematic study and training sessions to continuously strengthen the foundational competencies and strategic leadership capabilities of directors in fulfilling their duties.In 2024,the Board of Directors participated in the Research and Practice of ESG Information Disclosure in Bankin
82、g Industry training,further enhancing the directors understanding and practical capabilities regarding standardized and systematic management of ESG information disclosure.We systematically identify and evaluate ESG issues that may impact the Groups long-term development through communication with s
83、takeholders and expert research,considering macro policy environments,industry trends,and stakeholder expectations(refer to the“Analysis of Material Issues”chapter for details).We will integrate material ESG issues into future work plans,continuously monitor progress,conduct regular reviews of ESG i
84、mplementation,and persistently enhance our ESG management capabilities.132024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTStakeholder CommunicationBuilding upon our industry characteristics and operational realities,we continuously optimize stakeholder communication mechanisms to gain an in-depth unde
85、rstanding of legitimate concerns and core demands.Through proactive responses to key issues and expectations,we effectively safeguard the legitimate rights and interests of all parties,fostering mutually beneficial cooperation characterized by trust and collaborative development.Stakeholder Communic
86、ation MechanismMajor StakeholdersExpectations&DemandsCommunication ChannelsGovernment&Regulatory Authorities Complying with national policies,laws,and regulations Serving national and regional strategies Compliant operation and tax compliance Safe operation Actively addressing climate change Supervi
87、sion and assessments Policy documents and guidelines Information reporting Working meetings Routine communication and reportingShareholders/Investors Reasonable investment returns Continuous and stable operations Sound corporate governance Timely information disclosure Shareholders meeting Informati
88、on disclosure Phone calls and emails Investor research and communicationEmployees Protecting basic rights Improving compensation and benefits Supporting career development Enhancing work satisfaction Labor unions Staff congress and visits WeChat official account Questionnaire surveysCustomers Improv
89、ing service quality and efficiency Protecting information and funds Providing a wide range of financial products Protecting consumer rights Questionnaire surveys Marketing activities Messages on the WeChat official account or the official website Customer service hotline/offline visits Daily contact
90、 with the account managerPartners Building a sustainable supply chain Fair and transparent bidding and tendering process Contractual integrity Business negotiations Satisfaction surveys Industry exchanges Contractual agreement/cooperative projectCommunities&Public Stimulating community economic grow
91、th Fostering stable employment Participating in public welfare initiatives Low carbon and environmental protection Daily visits Community service activities Participating in public welfare programs Regular reports and announcements14YIBIN CITY COMMERCIAL BANK CO.,LTDAnalysis of Material IssuesIn 202
92、4,we systematically identified 20 core issues significantly impacting both the Group and its stakeholders through questionnaire surveys and analysis of the matters concerned by stakeholders,while incorporating industry trends,development strategies,and ESG-related requirements.This provides a robust
93、 foundation for determining disclosure priorities and enhancing management focus.Assessment Process for Material IssuesIdentificationPrioritizationValidationWith reference to national policies,industry benchmarks,and stakeholder feedback,and in alignment with the Groups strategic development plan,we
94、 identify the ESG material issues for the current year.We conduct surveys through electronic questionnaires distributed to stakeholders,including management,employees,government and regulatory authorities,shareholders/investors,customers,suppliers,and the general public.Based on the survey results,w
95、e perform a systematic quantitative analysis of material issues.These issues are then ranked in order of importance from high to low based on their significance to stakeholders and the Group itself.The Board of Directors reviews the material issues assessment results,which form the Groups 2024 ESG M
96、aterial Issues Matrix.152024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTIn its ESG issues analysis,we have categorized key issues into three tiers based on their impact on business operations and stakeholder interests.High-importance issues include information security,inclusive finance,compliance an
97、d risk control,investor rights protection,customer responsibility,social contribution,green finance,responsible supply chain,and employee occupational health and safety.These directly influence our core operations and risk prevention and control.Moderate-importance issues encompass supporting nation
98、al strategy implementation,digital finance,ESG governance,resource management,ecological environment protection,and emissions management.These areas remain strategically relevant but with a relatively secondary impact.Low-importance issues,such as employee rights protection,employee development and
99、training,greenhouse gas(GHG)emission,addressing climate change,and business ethics,indicate either established management practices or limited current influence.Through this prioritization,we can allocate resources more effectively,strengthen management in critical areas,and enhance overall ESG perf
100、ormance.Material Issues Matrix2024 Material Issues Assessment ResultsInformation securityCompliance and risk controlInvestor rights protectionCustomer responsibilityInclusive financeSocial contributionEmployee occupational health and safetyGreen financeEmployee rights protectionSupporting national s
101、trategy implementationDigital financeResponsible supply chainESG governanceEmissions managementEcological environment protectionGHG emissionAddressing climate changeBusiness ethicsImportance to the enterpriseImportance to stakeholdersResource managementCareer development and trainingEnvironmental di
102、mensionSocial dimensionGovernance dimensionMaterial Issues MatrixFollowing identification,prioritization,and validation,we present 20 material issues in a matrix format.The significance of these issues is categorized as follows:high-importance issues are positioned in the upper-right quadrant of the
103、 matrix;moderate-importance issues are located in the central area;low-importance issues are placed in the lower-left quadrant.YIBIN CITY COMMERCIAL BANK CO.,LTD16Party Building Guides the PathDeepening Foundations for DevelopmentWe adhere to the Partys comprehensive leadership,continuously enhancin
104、g the scientific,stable,and effective nature of corporate governance.We strengthen risk management capabilities,solidify compliance management systems,and comprehensively advance anti-corruption and integrity initiatives to effectively prevent and mitigate various risks.Additionally,we actively prom
105、ote information construction to improve decision-making efficiency,strengthen investor relations management,and enhance corporate governance transparency.2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT17YIBIN CITY COMMERCIAL BANK CO.,LTD18We steadfastly adhere to the guidance of Xi Jinping Thought o
106、n Socialism with Chinese Characteristics for a New Era,maintaining the centralized and unified leadership of the Party Central Committee over financial work.With Party political construction as the guidance,we profoundly recognize the political and people-oriented nature of financial services.Throug
107、h establishing the“RongjianRed”Party-building brand,we comprehensively strengthen all aspects of Party construction while seamlessly integrating Party leadership with corporate governance,thereby driving high-quality development through exemplary Party building practices.Party Organizational SystemT
108、he Group continuously enhances its Party institutional development by incorporating Party-building requirements into the Banks Articles of Association1.It has implemented the Implementation Measures for the“Three Major and One Important”Decision-Making System(Trial)and established Party Committee de
109、liberation rules,adhering to the principle that the Party Committee sets the direction,manages the overall situation and ensures implementation.It continues to deepen the Partys organizational support,consolidating the foundation of Party building.It organizes and promotes the independent establishm
110、ent of Party branches in each sub-branch,strengthens the standardized construction of grassroots Party branches,and builds Party organizations with stable structures,sound systems,and professional teams.In 2024,the Bank developed 8 new Party members and recognized 9“Red Flag Party Branches”,8 advanc
111、ed grassroots Party organizations,11 outstanding Party affairs workers,and 51 exemplary Communist Party members,continuously enhancing the organizational capacity of our Party branches.Party Building ActivitiesWe strictly implement the“Top Issue”system,uphold and improve the“Three Sessions and One L
112、esson”system,and have formulated the Party Member Education and Training Management Measures.We continuously strengthen theoretical study and ideological refinement for Party members and cadres and regularly organize themed Party Day activities and specialized learning sessions to enhance political
113、awareness and Party spirit cultivation among members.These efforts consistently strengthen the cohesion and combat effectiveness of Party organizations,providing robust political safeguards for promoting the Banks steady development.1 Refers to the Articles of Association of Yibin City Commercial Ba
114、nk Co.,LtdOn October 15,2024,Yibin City Commercial Bank held its 10th Party Committee Theoretical Study Center Group Learning Session for the year.The session combined collective study with discussion speeches to enhance the political awareness and professional capabilities of Party committee member
115、s,providing strong political assurance for the Banks sustainable and healthy development.Party Committee Theoretical Study Center Group Learning SessionThe 10th Party Committee Theoretical Study Center Group Learning Session in 2024CaseUpholding Party Building Leadership2024 ENVIRONMENTAL,SOCIAL AND
116、 GOVERNANCE REPORT19On September 26,2024,Yibin City Commercial Bank organized a Party Day event themed“Praising the Red Boat,Welcoming National Day,Embracing Mission”,attended by over 60 participants,including Party branch secretaries and member representatives.The event featured a quiz on the Red B
117、oat spirit,a team-based“Building the Red Boat”activity,and a live rehearsal of the theatrical performance“The Path of Struggle”.Through these activities,all Party members gained a deeper understanding of teamwork and the pioneering spirit of perseverance displayed by revolutionary forebears,further
118、igniting patriotic fervor among Party members and staff.“Praising the Red Boat,Welcoming National Day,Embracing Mission”Themed Party Day EventThe“Praising the Red Boat,Welcoming National Day,Embracing Mission”Themed Party Day EventCaseUpholding Party Building Leadership(Continued)On November 20,2024
119、,Yibin City Commercial Bank organized a practical activity themed“Rediscovering Original Aspiration,Strengthening Unity,and Gathering Strength for Progress”.All the staff visited revolutionary education sites such as the hometown of Sister Jiang in Zigong to study the revolutionary spirit and patrio
120、tic dedication of martyr Jiang Zhuyun.Through on-site learning and ceremonial education,the activity reinforced ideals and convictions,deepened national pride,united collective efforts,and inspired enthusiasm for work among all the participants,pooling wisdom and strength to drive the Banks high-qua
121、lity development.“Rediscovering Original Aspiration,Strengthening Unity,and Gathering Strength for Progress”Themed Practical ActivityThe“Rediscovering Original Aspiration,Strengthening Unity,and Gathering Strength for Progress”Themed Practical ActivityCaseIntegration of Party Work and Business Opera
122、tionsWe concentrate on the fundamental starting point and the ultimate goal of deeply integrating Party building with business operations.Guided by the principle of“focusing on business development,leading one project,and advancing the work”,we closely align with core operational business priorities
123、 to precisely identify entry points and focal areas where grassroots Party building connects with central tasks and serves overarching objectives.In 2024,the Bank launched the“Red Leadership:Excellence in Post”initiative to tackle key challenges.By fully leveraging the combat effectiveness of Party
124、branches and the exemplary role of Party members,the Bank organized Party branches and members to address 19 critical tasks in areas such as savings deposit and loan business expansion,with 12 outstanding achievements being recognized.As a result,this initiative has stimulated the intrinsic motivati
125、on of Party members,boosting their work enthusiasm,and ultimately driving the Banks high-quality development.YIBIN CITY COMMERCIAL BANK CO.,LTD20We strictly comply with national laws and regulations,formulate strategic development plans,and establish a scientific,comprehensive,and effective corporat
126、e governance structure.With clearly defined authority-responsibility boundaries among decision-making bodies,their coordinated operations,and effective checks and balances,we ensure scientific decision-making,efficient operations,and standardized conduct,thereby elevating standardized operations to
127、safeguard high-quality development.Strategic PlanningWe firmly seize the major opportunities presented by the“dual circle”new economic pattern and the Chengdu-Chongqing Economic Circle development.We proactively integrate into Yibins new economic development trends,such as initiatives to establish o
128、urselves as a national regional central city for socialist modernization and a sub-center of the Chengdu-Chongqing Economic Circle.Resolutely implementing the“1163”overall strategy,we focus on the main tasks of“serving the real economy,deepening reform and transformation,and preventing financial ris
129、ks”,so as to lead innovation-driven development and facilitate high-quality growth.Improving Corporate GovernanceIn 2024,the Group achieved comprehensive strengthening in Party building and corporate governance.For the fourth consecutive year,it ranked first in a comprehensive evaluation of“banking
130、financial institutions supporting local economic development and preventing local financial risks in Yibin City”,and was recognized as an advanced unit in Party building and disciplinary inspection work among municipal state-owned enterprises.For the third consecutive year,it received performance-ba
131、sed incentive funds from the Provincial Department of Finance for its reform achievements.On January 13,2025,Yibin Bank successfully listed on the Hong Kong Stock Exchange,achieving its“listing with RMB100 billion”target one year ahead of schedule.This milestone not only enabled capital replenishmen
132、t to support long-term sustainable development but also significantly elevated the Banks corporate governance standards,brand image,market reputation,and development capacity.More importantly,it marked the Groups entry into a new journey to become a leading benchmark bank in western China.Specializa
133、tionModernizationDigital intelligenceTo uphold local finance and promote regional economic developmentTo become a leading listed bank with strong regional influence and assets exceeding RMB100 billion in western ChinaOne MissionOne GoalSix Key Development StrategiesBuilding a“Three-Dimensional Trans
134、formation”BankOptimizing governance structureStrengthening talent leadershipAdvancing business transformationInnovating financial technologyImproving incentive and constraintBeing excellent and stronger for listing“1163”Overall Development Strategy2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT21Org
135、anizational StructureThe Bank has established a standardized corporate governance structure characterized by“clearly defined rights and responsibilities,division of labor,independent operation,and mutual checks and balances”.The governance system comprises the Shareholders General Meeting,the Board
136、of Directors,the Board of Supervisors,and the Senior Management,continuously enhancing governance efficiency to provide fundamental safeguards for long-term healthy and sustainable development.Governance StructureStrategy and Asset and Liability Management CommitteeShareholders general meetingNomina
137、tion and Remuneration CommitteeRisk Management CommitteeAudit CommitteeRelated Party Transactions Control CommitteeConsumer Rights and InterestsProtection CommitteeInternal Control and Compliance CommitteeOffice of the Board of DirectorsInternal Audit DepartmentBoard of DirectorsSenior managementBoa
138、rd of SupervisorsOffice of the Board of SupervisorsSupervision CommitteeNomination CommitteeComprehensive Risk Management CommitteeCredit Review CommitteeFinancial Review CommitteeTendering and Bidding Management CommitteeLiability Identification CommitteePricing Review CommitteeHead Office Departme
139、ntsBranches and Sub-branchesData Quality Management CommitteeInformation Technology Management CommitteeInterbank Investment Decision CommitteeWealth Management Investment Decision CommitteeCorporate Annuity Management CommitteeBusiness Continuity Management CommitteeCredit Asset Securitization Revi
140、ew CommitteeImproving Corporate Governance(Continued)YIBIN CITY COMMERCIAL BANK CO.,LTD22Operating MechanismShareholders general meetingThe Shareholders General Meeting is the highest authority of the Bank.Yibin City Commercial Bank strictly adheres to the provisions and requirements of the Company
141、Law,the Banks Articles of Association,and the Rules of Procedure for Shareholders General Meetings,among other relevant documents,to convene and hold Shareholders General Meetings in accordance with the law,safeguarding shareholders rights and benefits.In 2024,the Bank convened 3 Shareholders Genera
142、l Meetings,deliberating and approving 19 proposals,with all resolutions being legally valid.Board of DirectorsThe Bank comprehensively strengthens the construction of the Board of Directors by formulating the Rules of Procedure for the Board of Directors,standardizing the deliberation methods and de
143、cision-making procedures of the Board,earnestly implementing regulatory requirements and the decisions and deployments of the Shareholders General Meeting,actively and effectively exercising the authority of the Board,thereby continuously promoting the high-quality development of the Bank.The Bank s
144、cientifically and reasonably selects and appoints directors to ensure their independence,diversity,and professionalism.As of the end of 2024,the Banks Board of Directors consists of 11 directors,including 5 female directors(45.45%)and 4 independent directors(36.36%).Board members possess extensive e
145、xperience in professional fields such as finance,management,and accounting.The Board of Directors focuses on safeguarding the legitimate rights and interests of minority shareholders and other stakeholders and provides objective and impartial independent opinions on regulatory matters based on prude
146、nt,independent,and professional judgment.In 2024,the Board of Directors held 5 meetings,deliberating on 45 proposals.The Board of Directors oversees seven specialized committees:the Strategy and Asset and Liability Management Committee,the Nomination and Remuneration Committee,the Internal Control a
147、nd Compliance Committee,the Audit Committee,the Risk Management Committee,the Related Party Transactions Control Committee,and the Consumer Rights and Interests Protection Committee.Each committee diligently fulfills its responsibilities,fully leveraging its professional support and decision-making
148、advisory roles to provide strong support for corporate governance.Board of SupervisorsThe Banks Board of Supervisors operates in accordance with relevant laws and regulations and the Rules of Procedure for the Board of Supervisors.It has the Supervision Committee and the Nomination Committee to inde
149、pendently and legally oversee the Banks daily operations,major business decisions,and the legality and compliance of directors and senior managements performance of duties,so as to safeguard the legitimate rights and interests of the Bank and its shareholders.As of the end of 2024,the Board of Super
150、visors consists of 11 supervisors,including 5 female supervisors(45.45%)and 4 employee supervisors(36.36%).In 2024,the Board of Supervisors held 5 meetings,deliberating and approving a total of 15 matters,ensuring that supervisors fully,completely,and accurately express independent opinions.The Boar
151、d actively leverages supervisors professional knowledge and experience in finance,law,and management to promote the Banks standardized operations.Senior managementThe Senior Management is responsible for implementing the resolutions of the Board of Directors,executing and achieving the Banks strateg
152、ic objectives,and formulating efficient operational strategies.Within the scope of authority delegated by the Board of Directors,the Senior Management organizes and carries out the Banks business operation and management activities in accordance with laws,administrative regulations,other rules,and t
153、he Banks Articles of Association.Remuneration AppraisalThe Bank continuously deepens remuneration appraisal management by formulating the Measures for the Administration of Directors and Supervisors Remuneration(Allowances)(Trial),the Detailed Rules for the Evaluation of Directors Performance(Trial)
154、,the Detailed Rules for the Evaluation of Supervisors Performance(Trial),and the Measures for the Administration of Senior Managements Remuneration and Performance,continuously optimizing and improving the remuneration and performance management system to promote the Banks sound operation and sustai
155、nable development.Improving Corporate Governance(Continued)2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT23The Bank continuously strengthens risk control and compliance construction,strictly adheres to relevant laws and regulations,improves the risk management system,clarifies the objectives,requir
156、ements,and content of risk control and compliance management,enhances risk governance in key areas,and elevates operational management capabilities and risk prevention capacities to comprehensively ensure the stable operation of the Bank.Risk managementYibin City Commercial Bank consistently upholds
157、 a prudent and steady risk philosophy.In accordance with the former China Banking Regulatory Commissions Guidelines for Comprehensive Risk Management of Banking Financial Institutions and specific risk management requirements,and based on the Banks actual conditions,the Bank has formulated systems s
158、uch as the Interim Measures for Comprehensive Risk Management.It scientifically establishes a comprehensive risk governance structure,clarifying risk management rights and responsibilities,and fostering a sound culture of compliance and risk control.Additionally,adhering to the principles of compreh
159、ensive risk management,the Bank has established and continuously improved a comprehensive risk management system that covers all major types of risks.This system balances risks and returns,integrates control with efficiency,and develops corresponding risk management strategies tailored to the distin
160、ct characteristics of credit risk,market risk,operational risk,liquidity risk,reputation risk,legal and compliance risk,information technology risk,and anti-money laundering and counter-terrorism financing management.These efforts continuously enhance the level of comprehensive risk management.Risk
161、Governance StructureBoard of DirectorsEstablish comprehensive risk management systems,formulate risk management strategies,set risk appetite and limits,and approve major risk management policies and procedures,etc.Board of SupervisorsOversee and evaluate the performance of the Board of Directors and
162、 Senior Management in risk management.Senior managementImplement comprehensive risk management,establish operational management framework,develop risk management policies and procedures,and assess and report risk management status to the Board of Directors.Risk Management DepartmentLead comprehensiv
163、e risk management,implement system construction,and coordinate the identification,measurement,assessment,monitoring,control,or mitigation of overall risks.The Bank regularly conducts risk control-related training on internal control fundamental theories,internal control methodologies and strategies,
164、practical implementation of internal control construction,as well as risk identification and response in key business areas.These initiatives further enhance managements risk awareness,enabling prudent risk assessment in their decision-making processes and ensuring precise responses to continuously
165、improve risk prevention and control capabilities.Strict Risk Prevention and ControlFrom April to September 2024,Yibin City Commercial Bank conducted an online risk management line training covering key topics including regulatory policy interpretation,in-loan management,post-loan management,financia
166、l statement analysis,and case studies.This training comprehensively enhanced employees full-process risk identification capabilities,thus ensuring the healthy and stable development of business operations.Yibin City Commercial Bank Launches Online Risk Management Line TrainingCaseYIBIN CITY COMMERCI
167、AL BANK CO.,LTD24Operation with complianceConstruction of Compliance SystemThe Bank continuously advances and improves the compliance system framework.It has formulated internal regulations such as the Compliance Policy of Yibin City Commercial Bank and Internal Control System Management Measures of
168、 Yibin City Commercial Bank to solidify the foundation of compliance.Meanwhile,the Bank actively aligns with regulatory trends and strictly implements the 2024-2025 Compliance Management Work Promotion Plan to drive compliance management special initiatives,so as to continuously enhance the level of
169、 compliance operation and management.The Bank has established a compliance management organizational structure with a reasonable work distribution,as well as a clear division of responsibilities and reporting lines,comprising the Board of Directors,Board of Supervisors,Senior Management,Compliance M
170、anagement Department,Internal Audit Department,and business line management departments.This structure builds a compliance management system that covers all institutions involves full staff participation.Compliance Management SystemBoard of DirectorsIncorporate compliance management into corporate g
171、overnance structure;bear ultimate responsibility for compliance management system construction;manage the Internal Control and Compliance Committee to drive progress and implementation of internal control work.Board of SupervisorsOversee the performance of the Board of Directors and Senior Managemen
172、t members to improve the internal control system.Senior managementImplement compliance policies and strategies established by the Board of Directors to effectively manage the Banks compliance risks.Compliance Management DepartmentLead the comprehensive planning of the internal control system under t
173、he leadership of the Banks Party Committee,Board of Directors,and Senior Management and organize its implementation.Business Operation Institutions and Business Management Line DepartmentsBear primary responsibility for compliance risk prevention and control,promoting standardized business processes
174、 and management by business divisions and operational lines.Audit and Discipline Inspection and Supervision LinesConduct independent auditing on and supervision over the adequacy and effectiveness of internal controls.Strict Risk Prevention and Control(Continued)2024 ENVIRONMENTAL,SOCIAL AND GOVERNA
175、NCE REPORT25Compliance Culture DevelopmentThe Bank continuously strengthens compliance culture development.In alignment with the requirements of compliance management special initiatives and the implementation plan for compliance training and publicizing,the Bank carries out multi-form,multi-perspec
176、tive compliance education activities to enhance all employees legal awareness and bottom-line compliance consciousness.Compliance Education and Publicizing InitiativesInitiativeOutcome“Compliance Lecture”28 training sessions focusing on key business and related areas were conducted.“2024 Compliance
177、Management Online Training Class”The training class covered critical topics including credit,counter,technology,wealth management,compliance management,and consumer protection,with over 890 participants.Publishing Case Prevention Compliance BulletinThe Bank published 4 issues throughout the year,tot
178、aling over 1,200 copies,featuring regulatory updates,internal control policies,case studies,work news,and legal knowledge for continuous and convenient staff learning on compliance.Launching“Compliance Special Column”OnlineThe Bank regularly published regulatory policies,industry trends,and complian
179、ce operation key points,with 9 issues throughout the year featuring a“Weekly Study”of compliance operations.Compliance Themed LectureParty Committee members and senior executives conducted 7 compliance themed lectures throughout the year,while various branches and head office departments organized o
180、ver 30 compliance seminars covering multiple business lines including credit business,retail business,financial statistics,accounting management,internet finance business,and wealth management business.Compliance Management Publicity MonthCentering on the theme“Internalizing Regulations,Practicing C
181、ompliance”,the Bank organized policy and regulatory training for 714 employees with accompanying assessments,of which 318 staff members were awarded the honorary title of“Compliance Learning Star”.Strict Risk Prevention and Control(Continued)YIBIN CITY COMMERCIAL BANK CO.,LTD26The Bank adheres to th
182、e principle of law-based corporate governance.The Bank has established a Leading Group for Law-Based Corporate Governance and formulated the Legal Affairs Management Measures to clarify legal review,legal consultation,litigation case management,and intellectual property management responsibilities.A
183、 legal study and examination mechanism has been implemented to comprehensively carry out the national,provincial and municipal“Eighth Five-Year”legal education plans,thereby building a solid legal defense for the Banks stable operations.We actively conduct legal training and public legal education c
184、ampaigns.In 2024,we organized 17 legal training sessions and 49 legal awareness campaigns during special legal promotion periods.The Bank strictly complies with the requirements of laws and regulations such as the Patent Law of the Peoples Republic of China and the Copyright Law of the Peoples Repub
185、lic of China.The Bank has established compliance requirements for intellectual property management to strengthen the Banks IP administration,ensuring both the lawful protection of its own intellectual property rights and the avoidance of infringing others IP rights.On March 15,2024,Yibin City Commer
186、cial Bank organized a special training session titled“Compliance Lecture:New Company Law”.The session provided a detailed interpretation of key and challenging issues in the newly revised Company Law,along with specialized discussions on“Practical Legal Risk Prevention in Credit Operations”.This ini
187、tiative significantly enhanced the legal compliance awareness of the Banks cadres and workers,strengthening compliance defenses.“Compliance Lecture:New Company Law”Special Training SessionThe“Compliance Lecture:New Company Law”Special Training SessionCaseStrict Risk Prevention and Control(Continued)
188、2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT27Standardized Internal AuditThe Bank continuously strengthens the development of its internal audit system.In accordance with the Internal Audit Charter,the Bank conducts audits in compliance with regulations,effectively promoting the standardization,s
189、pecialization,and scientific advancement of internal audit work.The Bank emphasizes capacity-building for the audit team,continuously enhancing internal audit training.Focusing on key areas such as credit management and information technology,the Bank reinforces practical training and case-based lea
190、rning to improve risk identification and internal control supervision capabilities.This solidifies the internal control system and strengthens the safeguard mechanisms for the Banks stable operations.Business EthicsWe steadfastly adhere to the principles of compliance operations and integrity in bus
191、iness conduct.We strictly comply with laws and regulations,including the Anti-Corruption Law of the Peoples Republic of China,the Anti-Unfair Competition Law of the Peoples Republic of China,and the Commercial Bank Law of the Peoples Republic of China,resolutely opposing misconduct such as corruptio
192、n,false advertising,and malicious competition.We have formulated and implemented the Real-Name Whistleblowing and Accusing Handling System and the Working Regulations for Handling Whistleblowing Cases of the Disciplinary Inspection Committee to standardize management processes for whistleblowing.We
193、have established a“1+4”supervision system integrating“inner-party supervision+disciplinary inspection and supervision+Board of Supervisors+audit+compliance management”,coordinating various supervisory resources to enhance internal governance effectiveness.This continuously strengthens the organizati
194、onal foundation and institutional safeguards for integrity and compliance in operations.We have established and published an unimpeded multi-channel reporting system to facilitate the convenient and lawful submission of concerns.Upon receiving a report,we handle,process,and conclude the case in a ti
195、mely and standardized manner,and safeguard whistleblowers lawful rights and interests in accordance with applicable laws and disciplinary regulations throughout the process.Meanwhile,we have established a whistleblowing case supervision mechanism,ensuring full implementation of accountability measur
196、es and proper execution of institutional requirements.We continuously strengthen the development of a clean culture and improve the integrity education mechanism,integrating the concept of integrity into daily management and employee conduct standards.Through compiling warning education materials,or
197、ganizing special lectures,and conducting case study sessions,we enhance all employees awareness of integrity business practices,reinforce self-discipline and compliance baselines,and foster a positive work environment that values integrity and maintains high ethical standards.Strict Risk Prevention
198、and Control(Continued)廉YIBIN CITY COMMERCIAL BANK CO.,LTD28In April 2024,Yibin City Commercial Bank initiated the 2024 Integrity Culture Works Collection Campaign,actively encouraging employees and their families to participate in creative work.The campaign received 213 entries across various format
199、s including paintings,calligraphy,photography,and videos.This initiative fostered a positive atmosphere promoting“reverence for integrity,advocacy of probity,and appreciation of incorruptibility”,while continuously enhancing the influence,dissemination,and penetration of clean culture.Yibin City Com
200、mercial Bank Launches 2024 Integrity Culture Works Collection CampaignIntegrity Culture WorksCaseYibin City Commercial Bank Party Conduct and Clean Governance Work ConferenceGroup Photo from Integrity Culture Base Study TourIntegrity Warning Education-Themed Party Day ActivityStrict Risk Prevention
201、and Control(Continued)2024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT29Anti-Money Laundering ManagementThe Bank strictly implements all anti-money laundering regulations issued by the Peoples Bank of China.The Bank has formulated the Management Measures for Money Laundering,Terrorist Financing and P
202、roliferation Financing Risks,implementing responsibilities at all levels to conscientiously fulfill anti-money laundering obligations and enhance anti-money laundry management standards.In 2024,we conscientiously fulfilled our responsibilities in anti-money laundering and counter-terrorist financing
203、 and continued to enhance our anti-money laundering risk management.Firstly,we improved our system construction and enhanced our monitoring capability.Starting from the core work module,we continued to optimize the money laundering risk self-assessment system and suspicious transaction analysis syst
204、em,and established a dynamic management system for money laundering risk classification of customers to provide strong support for anti-money laundering work.Secondly,we actively launched anti-money laundering training.Special anti-money laundering training has been launched on a regular basis to co
205、ntinuously enhance staff awareness of anti-money laundering compliance and improve their ability to perform duties.Thirdly,we strengthened internal control and the ability to prevent and control money laundering risks.Combining on-site and off-site inspections,we conducted irregular inspections for
206、customer identification,customer risk classification,and customer re-due diligence through the anti-money laundering monitoring system.We fully launched anti-money laundering investigations and data monitoring and analysis,and continued to do a good job in managing customer identity information,so a
207、s to effectively prevent and stop money laundering crimes.Fourthly,we carried out anti-money laundering publicity in various forms to broaden the scope of publicity.We distributed more than 40,000 copies of anti-money laundering publicity materials to enhance the public awareness of anti-money laund
208、ering and create a favourable anti-money laundering atmosphere in society.Related Party Transactions ManagementThe Bank continuously optimizes related party transaction management.It has established a Related Party Transactions Management Office and implementing internal policies including the Relat
209、ed Party Transactions Management System.These measures clarify operational procedures and control standards for key aspects of related party transaction management,strengthen centralized coordination,and actively advance the construction of a related party transaction system.This effectively improve
210、s the timeliness and convenience of obtaining related party information,as well as the accuracy and completeness of transaction data capture.Strict Risk Prevention and Control(Continued)?YIBIN CITY COMMERCIAL BANK CO.,LTD30Yibin City Commercial Bank regards digital transformation as its core driver.
211、In accordance with its digital transformation IT planning,the Bank continues to intensify the development of digital information systems,actively enhances bank-wide cybersecurity safeguards,ensures data security and compliance,and is fully committed to building an intelligent digital bank.Digitaliza
212、tion ConstructionYibin City Commercial Bank consistently monitors fintech trends,seizes technological opportunities,and deepens the empowerment of technology services.By enriching its digitalized product systems,the Bank supports customer acquisition for scenario-based financial products,strengthens
213、 the construction of digital service systems,elevates service capabilities for customers,and leverages intelligent financial ecosystems to enhance the quality and efficiency of financial services.Digitalization Construction Cases in 2024Advancing Digital Intelligence DevelopmentDomestic Electronic L
214、etter of Credit SystemIt enriched the Banks trade financing and settlement products,enhanced support for key industrial chains,and provided corporate clients with diversified financing channels to address capital turnover issues.Digital RMB SystemIt enabled functions such as personal wallet authoriz
215、ation for card binding,wallet top-ups,and bank deposits via mobile banking,meeting customer demand for digital currency services.Paperless SystemIt replaced traditional paper records with legally valid electronic records through secure IT solutions,achieving full-process digital processing.It also s
216、trengthened risk control capabilities for business management departments while significantly improving operational management efficiency and user experience.Image Platform SystemIt centralized lifecycle management of unstructured data resources,established unified standards for unstructured data ma
217、nagement,and delivered secure,reliable,efficient,and standardized image processing capabilities to business systems for rapid integration,information consolidation,and secure sharing.Fully Information Technology Innovated Portal WebsiteIt delivered an upgraded customer experience and elevated the Ba
218、nks brand image.It also streamlined backend operations with user-friendly management features,substantially improving maintenance efficiency.Multi-Channel Rare Character SupportIt rigorously implemented the Peoples Bank of Chinas requirements for barrier-free services regarding rare character proces
219、sing,upholding the principles of inclusive finance to deliver equitable,accessible and convenient financial services to continuously enhance service experience and satisfaction for special customer groups during financial transactions.Mobile Banking QR Code Payment Integration ProjectIt provided a o
220、ne-stop solution for mobile payments via mobile banking,significantly improving customer experience.Related Party Transactions SystemIt complied with policy requirements proposed by external regulatory authorities to accurately identify related parties and transactions and generate related party tra
221、nsaction filing data,thereby enhancing the Banks refined management level of related party transactions.PBOC Financial Anti-Fraud Integrated Platform ProjectIt improved the handling mechanisms for fraud prevention warnings,intervention measures,and control of accounts involved in illegal activities,
222、strengthening the querying,payment stoppage,and freezing management of implicated accounts.This provided technical safeguards for the Bank to further enhance bank account management,effectively prevent new types of telecommunication and cyber fraud,and protect customer rights and asset security.2024
223、 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT31Information security managementThe Bank attaches great importance to information security development.The Bank has established systems including the Information Security Management Measures and Cybersecurity Management Measures to ensure the effective imp
224、lementation of information security management policies,continuously strengthen network security defense capabilities,and effectively mitigate risks of data breaches and unauthorized access,so as to guarantee secure and compliant use of customer information.We regard information security training as
225、 a critical component of building a comprehensive security protection system.The Bank provides multi-level,multi-dimensional information security training to all employees on a regular basis,aiming to enhance staff awareness of information protection,foster an information security culture,and safegu
226、ard the security of digital assets for both customers and the Bank.Smoothing Communication ChannelsThe Bank consistently considers investor relations management as a vital element of corporate governance.Committed to establishing transparent,efficient,and mutually-trusting communication mechanisms,t
227、he Bank has formulated the Shareholder Communication Policy,and discloses public information in compliance with regulatory requirements to maintain positive relationships with investors and protect shareholders rights and benefits.Information disclosureIn accordance with the Rules Governing the List
228、ing of Securities on The Stock Exchange of Hong Kong Limited,the Company Law of the Peoples Republic of China,the Regulations on Information Disclosure of Commercial Banks and other relevant regulations and regulatory requirements,combined with the Articles of Association,the Bank has developed the
229、Information Disclosure Management Measures to disclose company information as per regulatory requirements.These ensure the truthfulness,accuracy,completeness,timeliness,and legality of disclosed information while safeguarding investors rights to be informed and to participate.Shareholders Rights and
230、 BenefitsWe consistently prioritize protecting shareholders rights and benefits as a core objective of corporate governance.Focusing on long-term value creation,we continuously pursue technological innovation and business expansion to enhance profitability and market competitiveness.Through optimizi
231、ng governance structures and strengthening compliance operations,we effectively safeguard shareholders long-term interests,create sustainable value returns for investors,and maximize shareholders rights and benefits.Cybersecurity Training MeetingAdvancing Digital Intelligence Development(Continued)3
232、2YIBIN CITY COMMERCIAL BANK CO.,LTDDual-Carbon Charts New FrontiersShouldering Green Finance MissionsWe thoroughly implement Xi Jinpings Ecological Civilization Thought and align with the national carbon peaking and carbon neutrality strategic goals.We are advancing an orderly transition toward gree
233、n and low-carbon development,actively addressing climate change,and seizing opportunities in low-carbon growth.We have established and improved green finance system mechanisms,strengthened innovation in green financial products and services,and actively practiced low-carbon operations.By leveraging
234、financial efforts to empower green industries,we aim to contribute more exemplary practices to regional green finance development.332024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORT34YIBIN CITY COMMERCIAL BANK CO.,LTDAddressing Climate ChangeWe fully implement the climate disclosure requirements of th
235、e Hong Kong Stock Exchange,referencing the ISSB(IFRS S1 and IFRS S2)and TCFD frameworks.We actively conduct identification and analysis of climate-related risks and opportunities to enhance the Groups resilience to climate risks and seize development opportunities in green industries.Climate Governa
236、nce SystemWe place high importance on the potential impacts of climate change on the financial industry.We proactively advance the management of climate-related risks and opportunities by integrating climate governance responsibilities into our existing ESG governance framework.This ensures coordina
237、ted planning and implementation of climate-related initiatives,strengthening the foundation for sustainable development governance.(Refer to the“Sustainable Development and Governance”section of this report for details.)Climate Response StrategyIdentification of Climate Risks and OpportunitiesIn lin
238、e with the Hong Kong Stock Exchanges Implementation Guidance on Climate Disclosure under the Environmental,Social and Governance Framework and Chinas“Dual Carbon”goals,we divide the short-,medium-,and long-term time horizons of risk impact.We conduct comprehensive analyses from the perspective of“cl
239、imate-related risks,opportunities,and financial impacts”and develops targeted response strategies to enhance the Groups adaptability and risk management capabilities in the context of climate change.We strategically develop green finance businesses,proactively identify risks to address climate chang
240、e,and offer green loans while continuously innovating green financial products(refer to the“Deepening Green Finance”section of this report for details).Additionally,the Group integrates green principles into all aspects of operations.It actively identifies risks to fully address climate change.The G
241、roups environmental initiatives include implementing low-carbon office practices through electricity,water and paper conservation measures;conducting green public welfare activities to promote environmental awareness;and establishing green outlets to upgrade service experiences,comprehensively advan
242、cing green development(refer to the“Practicing Green Operation”section of this report for details).352024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTAddressing Climate Change(Continued)Transition Risk Identification and ResponseRisk TypeTime Horizon of Risk ImpactRisk DescriptionPotential Financial I
243、mpactResponse StrategyPolicy and legal risksShort-term(2025-2030);Medium-term(2030-2035)In recent years,Chinas environmental policies have become increasingly stringent.High-carbon enterprises are particularly vulnerable to such policies and regulatory changes,which may lead to stranding risks for c
244、lient assets and consequently impact the Banks credit quality.The adverse financial impact of climate-related policies and legal risks on the Group remains relatively limited.Continue to pay close attention to national and local environmental policies,optimize bank credit granting guidelines,and res
245、trict the access of clients in high-carbon industries.Promote the green finance strategy,continuously optimize the asset structure,and guide credit resources to tilt towards green industries.Technical riskMedium-term(2030-2035);Long-term(2035-2060)Inadequate evaluation of green technology maturity a
246、nd uncertainties in transition pathways under climate change may lead to credit defaults,asset impairments,and operational risks,thereby impacting the Banks risk management and business stability.The adverse financial impact of climate-related technical risks on the Group remains relatively limited.
247、Pay attention to the development of emerging technologies in key industries,analyze their impact on existing customers,and mitigate risks by developing low-carbon technology customers.Market riskShort-term(2025-2030);Medium-term(2030-2035);Long-term(2035-2060)China is promoting energy conservation,c
248、arbon reduction,and green transition through energy efficiency constraints,firmly curbing the unchecked development of projects with high energy consumption,high emissions,and overcapacity.This may influence investor and consumer perspectives,lead to declining expected returns on carbon-intensive as
249、sets,and expose the Bank to risks of valuation decreases and heightened investor volatility.The adverse financial impact of climate-related market risks on the Group remains relatively limited.Strengthen the monitoring of environmental and social risks of the Bank and strictly impose access restrict
250、ions on clients in high-carbon industries.Reputation riskShort-term(2025-2030);Medium-term(2030-2035);Long-term(2035-2060)As public recognition of green,environmentally-friendly and sustainable development concepts grows,if the Bank continues to finance“high-pollution,high-energy-consumption,high-em
251、ission”enterprises or significantly increases holdings of carbon-intensive assets,it may face potential reputational risks.The adverse financial impact of climate-related reputational risks on the Group remains relatively limited.Actively implement key tasks in accordance with the strategic deployme
252、nt of green finance,proactively disclose information to society and the market through forms such as ESG reports and environmental information disclosure on a regular basis,establish a positive image,and enhance public trust.36YIBIN CITY COMMERCIAL BANK CO.,LTDPhysical Risk Identification and Respon
253、seRisk TypeTime Horizon of Risk ImpactRisk DescriptionPotential Financial ImpactResponse StrategyAcute risksShort-term(2025-2030);Medium-term(2030-2035)The increasing severity of extreme weather events may impact the Groups business continuity or cause direct property losses,primarily including dama
254、ge to client assets,operational disruptions,and higher default rates;destruction of regional infrastructure,lowered credit ratings,and declines in bank asset values;surges in client fund withdrawals and loan demand,intensifying liquidity pressures;and damage to business outlets and systems,affecting
255、 operational continuity while triggering reputational harm and financial losses.Frequent extreme weather events may potentially cause significant short-term adverse financial impacts on the Group.Strengthen risk assessment and early warning to identify risks in advance;ensure business continuity,and
256、 reinforce facilities and drill contingency plans;optimize customer service and credit management,and flexibly adjust policies;strengthen liquidity management,reserve funds and monitor risks;actively maintain the reputation to enhance the Banks resilience in response to extreme weather.Chronic risks
257、Medium-term(2030-2035);Long-term(2035-2060)Natural risks may affect the operational conditions of credit granted clients,potentially causing their business disruptions or financial losses that compromise repayment stability,thereby impacting the quality of associated credits.Over the long term,chron
258、ic climate risks have relatively limited adverse financial impact on the Group.Incorporate environmental and social risks into the risk management system of the Group and continuously enhance the relevant risk management capabilities.Analysis of Environment-related OpportunitiesOpportunity FactorOpp
259、ortunity DescriptionOpportunity Impact PeriodClimate and Environmental Protection-related PoliciesSince the 18th National Congress of the CPC,China has prioritized green transformation,and the economy and society have entered a high-quality development phase characterized by accelerated green and lo
260、w-carbon growth.The rise of green industries aligns with the trend of the times,driving economic progress while creating vast potential for banks to develop green finance businesses.Short-term(2025-2030);Medium-term(2030-2035);Long-term(2035-2060)Low-Carbon Technology ImpactTraditional high-carbon i
261、ndustries and industries that find it difficult to reduce emissions urgently require financial support for transition.Transition finance,as an“emerging field”of sustainable finance,has gained attention from banks and financial institutions.The Bank can leverage this opportunity to facilitate low-car
262、bon transformation in traditional industries.Short-term(2025-2030);Medium-term(2030-2035);Long-term(2035-2060)Carbon Market OpportunitiesSince the launch of Chinas national carbon market in July 2021,China has seen significant achievements.The Bank should seize the opportunity of the accelerated con
263、struction of the national carbon emission rights and CCER trading markets to intensify the innovation and promotion of products such as carbon asset pledge financing.Short-term(2025-2030);Medium-term(2030-2035);Long-term(2035-2060)Addressing Climate Change(Continued)372024 ENVIRONMENTAL,SOCIAL AND G
264、OVERNANCE REPORTClimate Risk ManagementWe strictly adhere to the Hong Kong Stock Exchanges Implementation Guidance on Climate Disclosure under the Environmental,Social and Governance Framework,continuously strengthening the integration of climate risks into the Groups overall risk management system.
265、Focusing on key processes including identification,assessment,prioritization,management,and integration of climate-related risks and opportunities,we have progressively established a management mechanism combining qualitative and quantitative approaches,while continuously refining the identification
266、 framework for both physical and transition risks.During the evaluation process,we comprehensively consider factors such as probability of occurrence,potential impact,and the Groups adaptability to clarify risk prioritization and develop targeted response measures.Supported by dynamic monitoring and
267、 evaluation mechanisms,we continuously improve management measures to ensure climate risk responses align with corporate strategy,steadily enhancing sustainable development capabilities.Indicators and TargetsWe actively conduct carbon accounting(Scope 1 and Scope 2)and use this as a foundation to ad
268、vance greenhouse gas(GHG)emission reduction efforts.The Groups greenhouse gas measurement scope covers the Bank and its subsidiaries,aligning with the consolidated statement scope of financial reports.The statistical methodology references the Greenhouse Gas Accounting System:Corporate Accounting an
269、d Reporting Standards and the Technical Guidelines for Carbon Emissions Accounting of Financial Institutions(Trial).The carbon dioxide emission factors for gasoline and natural gas reference the Green Credit Energy Saving and Emission Reduction Measurement Guidelines,with gasolines emission factor a
270、t 2.98 kgCO2/kg and natural gass at 2.17 kgCO2/Nm3.The carbon dioxide emission factor for purchased electricity references the Announcement on Issuing 2022 Electricity Carbon Dioxide Emission Factors,using the average CO2 emission factor of 0.2268(kgCO2/kWh)for the Southwest China regional electrici
271、ty where the Group operates.Greenhouse Gas EmissionsIndicatorUnit2024 ValueTotal GHG Emissions(Scope 1+Scope 2)Tons of CO2e1,569.13Direct GHG Emissions(Scope 1)Tons of CO2e273.16Indirect GHG Emissions(Scope 2)Tons of CO2e1,295.97Calculation method:The greenhouse gas emissions generated by a specific
272、 operational activity=operational activity data emission factorWherein:The calculation scope of the Groups greenhouse gas emissions covers specific operational activities that produce greenhouse gas emissions,including(1)emissions from gasoline used in official vehicles,(2)emissions from natural gas
273、 used in employee cafeterias,and(3)emissions from purchased electricity.The Group focuses on resource conservation and low-carbon operations and sets clear phased targets to continuously advance the green transformation of office resources,guide energy conservation and emission reduction to be reali
274、zed through quantifiable targets,and steadily enhance the level of green operations.Resource Consumption TargetsIndicatorUnit2024(Baseline Year)Value2025 Target ValueGasoline ConsumptionL103,288.87102,255.98Office Paper UsageTon(s)33.6733.16Addressing Climate Change(Continued)38YIBIN CITY COMMERCIAL
275、 BANK CO.,LTDWe actively respond to the call for green and low-carbon high-quality development in Chinas 14th Five-Year Plan by integrating a green finance strategy into our overall development layout.We deepen understanding of green finance work,establish an efficient and orderly green finance gove
276、rnance structure,continuously improve green finance systems,enhance the quality and efficiency of green finance development,and support the green transformation of the economy and society.Strategic Planning for Green FinanceThe Bank strengthens the development of its green finance strategic planning
277、.In alignment with policy documents such as the Guiding Opinions of the State Council on Accelerating the Establishment and Improvement of Green and Low-Carbon Circular Economic Systems and the Green Finance Evaluation Scheme for Banking Financial Institutions issued by Peoples Bank of China,the Ban
278、k has formulated the Green Finance and Transformation Finance Strategic Plan of Yibin City Commercial Bank(2025-2027).This plan aims to optimize internal systems and management mechanisms for green and transformation finance,drive R&D in green and transformation financial products and services,and a
279、llocate financial resources rationally to green industries,thereby contributing to the broader social green transformation.Green Finance GoalsTargetContentInstitution building Continuously strengthen relevant green finance policies and supporting measures Issue or adjust guidelines for key green fin
280、ance industry developmentRisk control Enhance risk identification capabilities for related businesses Prevent“greenwashing”risks in green creditTeam building Conduct annual internal training on green finance Establish a mechanism to promote exemplary green finance casesSystem construction Leverage t
281、echnology to explore new initiatives,methods,and models for green finance developmentTransformation Finance GoalsTargetContentInstitution building Advance the construction of transformation finance systems and mechanisms Explore the establishment of transformation finance policies and supporting mea
282、suresRisk control Implement transformation finance risk management Disclose transformation finance information as required by regulatorsTeam building Strengthen training and actively participate in transformation finance standards researchDeepening Green Finance392024 ENVIRONMENTAL,SOCIAL AND GOVERN
283、ANCE REPORTGreen Finance Governance StructureYibin City Commercial Bank actively promotes the construction of a green finance governance system,establishing a vertical management structure.Responsibilities for green finance management are clearly defined at all levels,including the Board of Director
284、s,senior management,specialized departments,and branch institutions.The Bank continuously refines and implements accountability mechanisms and gradually establishes a scientifically organized,efficient,and collaborative green finance structure with matching authority and responsibility,robustly driv
285、ing the advancement of green finance.The Groups Green Finance Governance Structure Approve green credit targets and reports Oversee and evaluate the execution of green credit strategiesBoard of Directors Establish a green finance leadership team Be responsible for formulating green credit management
286、 measures and green credit policies,and other works Be responsible for developing long-term mechanisms for green creditManagement The head office Risk Management Department is responsible for reviewing green credit operations and setting review standards The head office Compliance Management Departm
287、ent is responsible for conducting compliance reviews of key green credit policies and operational procedures involving compliance requirements within its purview,as well as performing legal reviews of green credit contracts and related legal documents The business management departments are responsi
288、ble for formulating green credit product management measures and operational procedures within their respective business domains,and continuously innovating products and services to drive the growth of green credit business and collectively establish a sustainable mechanism for green credit Operatin
289、g units are responsible for marketing,collection of credit needs,due diligence,credit applications,loan disbursement management,post-loan supervision,and green credit statisticsSpecialized departments Establish specialized green finance branches to serve as models for comprehensive green finance dev
290、elopment Each district/county branch has established a“Green Finance Business Department”as the responsible unit for regional green credit operations under the municipal green finance specialized branch.These departments provide financial services to key green industry projects,green investment init
291、iatives,and leading enterprises in the green sectorBranch institutionsDeepening Green Finance(Continued)40YIBIN CITY COMMERCIAL BANK CO.,LTDOn January 16,2024,Sichuan Financial Societys Green Finance Committee held its annual meeting in Chengdu.Yibin Bank was officially appointed as a member unit of
292、 Sichuan Financial Societys Green Finance Committee.Appointed as a Member Unit of Sichuan Financial Societys Green Finance CommitteeAppointment Certificate from Sichuan Financial SocietyCaseGreen Financial SystemWe adhere to guidelines such as the Guiding Opinions on Building a Green Financial Syste
293、m and the Green Finance Guidelines for Banking and Insurance Industries,continuously improving our green financial system.We actively participate in green finance practices,allocate credit resources precisely to green energy-saving and emission-reduction projects,and strive to create a win-win scena
294、rio for stable bank development,effective government governance,and enterprise growth.Green Finance System DevelopmentDocument TitleManagement Measures of Yibin City Commercial Bank for Green Credit Implementation(Revised)Guidelines on Credit Policy for Photovoltaic Industry in Q3 of 2024Guiding Opi
295、nions of Yibin City Commercial Bank on Comprehensively Promoting Green Finance DevelopmentGuidelines on Credit Policy for Photovoltaic Industry in Q4 of 2024Notice of Yibin City Commercial Bank on Establishing the Green Finance Leadership TeamGuidelines on Credit Policy for Power Battery Industry in
296、 Q1 of 2024Work Plan of Yibin City Commercial Bank for Establishing Specialized Green Finance BranchesGuidelines on Credit Policy for Power Battery Industry in Q2 of 2024Notice on Adjusting FTP Parameters of Yibin City Commercial BankGuidelines on Credit Policy for Power Battery Industry in Q3 of 20
297、24Branch and Sub-branch Grading Management Measures of Yibin City Commercial BankGuidelines on Credit Policy for Power Battery Industry in Q4 of 2024Interim Management Measures of Yibin City Commercial Bank for Innovative Biodiversity Protection ProductsGuidelines on Credit Policy for Digital Econom
298、y Industry in Q1 of 2024“Yishang Green Bill”Business Management Measures(Trial)Guidelines on Credit Policy for Digital Economy Industry in Q2 of 2024“Yishang Green Procurement Loan”Business Management Measures(Trial)Guidelines on Credit Policy for Digital Economy Industry in Q3 of 2024Guidelines on
299、Credit Policy for Photovoltaic Industry in Q1 of 2024Guidelines on Credit Policy for Digital Economy Industry in Q4 of 2024Guidelines on Credit Policy for Photovoltaic Industry in Q2 of 2024Deepening Green Finance(Continued)412024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTGreen Finance Risk Manageme
300、ntThe Bank continuously improves its green finance risk management system and has issued the Management Measures of Yibin City Commercial Bank for Green Credit Implementation(Revised),integrating environmental and social risk management requirements into the entire credit process,strictly restrictin
301、g credit to high-energy-consuming,high-pollution and overcapacity industries,and emphasizing support for green finance to direct funds toward environmentally friendly sectors.Green Credit Process ManagementPre-loan investigationConduct comprehensive and in-depth investigations into clients green cre
302、dit status.Assess their environmental and social performance across the entire operational lifecycle,from raw material procurement,manufacturing processes,quality inspection,to sales and logistics.Evaluate and analyze potential environmental,safety,and health risks,as well as the corresponding preve
303、ntion measures,to ensure substantive compliance.Based on the nature and severity of the environmental,social,and governance(ESG)risks faced by the client,determine appropriate credit authority and approval procedures.In-loan reviewPay full attention to clients environmental and social performance.Ba
304、sed on their potential environmental risks,enter into clauses related to energy consumption and pollution risks in the credit contract.While maintaining a strong emphasis on clients environmental protection and energy consumption information,pay attention to the performance of clients in terms of la
305、nd,health,safety,resettlement of immigrants,ecological protection,climate change,etc.During fund disbursement,the management status on environmental,social and governance risks is treated as a critical factor in disbursing credit funds.Post-loan supervisionWhen a major ESG risk event occurs to a cli
306、ent,urge the client to take relevant risk disposal measures in a timely manner,take effective measures to strengthen guarantees and preserve assets,take the initiative to withdraw when necessary,and make timely adjustments in risk classification,provision and loss write-off.Actively cooperate with e
307、nvironmental protection departments to stop,correct and sanction enterprises environmental violations.Deepening Green Finance(Continued)42YIBIN CITY COMMERCIAL BANK CO.,LTDAn electronic materials technology company,a key investment-attracting enterprise in Yibin,primarily produces anode component ma
308、terials for power batteries.To actively support the project,the Bank organized multiple bank-government-enterprise meetings and provided a“one-stop”financing solution,enhancing risk control through“mortgage of construction in progress+guarantees”.To date,the Bank has approved a total credit of RMB98
309、0 million for the companys key projects,demonstrating its commitment to green technology initiatives.Supporting the Power Battery IndustryCaseYibin City Commercial Bank actively addressed the credit needs for the Luopu River water environment improvement project in Gong County.The project aims to en
310、hance the ecological environment and water quality of the river section,reduce rural sewage discharge,and repair ecological damage caused by the Changning 6.17 earthquake and subsequent aftershocks in Gong County.The project is projected to reduce annual pollutant emissions:CODcr by 8.84 tons,BOD5 b
311、y 4.30 tons,SS by 7.32 tons,NH3-N by 0.64 tons,TN by 0.76 tons,and TP by 0.12 tons.Luopu River Water Environment Comprehensive Improvement Project in Gong CountyCaseYibin City Commercial Bank actively supported the sewage pipeline renovation and expansion project in Jiangan Countys north township.Th
312、e project involved constructing 30km of new sewage pipelines and renovating 14.95km of existing pipelines across Yangchun Town,Simianshan Town,Yingan Town,and Tieqing Town.It also included correcting misconnected pipes,repairing damaged sections,implementing rain-sewage diversion,and adding pump sta
313、tions in low-lying areas,as well as upgrading and expanding some township wastewater treatment plants.According to the Guidelines for the Calculation of Energy Savings and Emissions Reduction for Green Credit Projects,the project is expected to reduce annual pollutant emissions significantly:COD by
314、1,752.00 tons,ammonia nitrogen by 146.00 tons,TN by 146.00 tons,and TP by 14.60 tons.Jiangan County North Township Sewage Pipeline Renovation and Expansion ProjectCaseGreen Finance DevelopmentWe continuously strengthen our green credit support mechanisms,fulfilling our social responsibility as a com
315、mercial bank to promote green and low-carbon development and supporting the high-quality construction of the Chengdu-Chongqing Economic Circle.The Group focuses on scaling up the“blue and green”industries,providing sustained support to sectors such as smart manufacturing,green and low-carbon initiat
316、ives,the liquor industry chain,crystalline silicon photovoltaics,and other industries related to livelihoods.As of the end of December 2024,the Groups cumulative green credit issuance reached RMB4.257 billion,with a green credit balance of RMB3.241 billion,an increase of RMB1.095 billion from the be
317、ginning of the year,representing a growth rate of 51.01%.Deepening Green Finance(Continued)432024 ENVIRONMENTAL,SOCIAL AND GOVERNANCE REPORTA new-energy logistics company specializes in freight transport using electric heavy-duty trucks,along with supporting operations including charging and sales o
318、f motor vehicles,electric vehicle charging infrastructure operation,and battery leasing services.Due to policy support,environmental demands,economic benefits,and technological advancements,the company experienced rapid growth and urgently needed working capital to expand its operations.After an on-
319、site evaluation,Neijiang Xinglong Rural Bank determined that the companys operations aligned with current energy-saving and environmental protection policies,demonstrating local leadership and promising prospects.The bank provided a loan at preferential rates for battery purchases,with a local small
320、-credit guarantee company acting as a joint guarantor to address the lack of collateral.This initiative effectively supported the green and modern logistics industries.Supporting Green and Low-Carbon BusinessesCaseA technology materials company,specializing in the manufacturing of lithium-ion batter
321、y cathode materials,is classified as a green and low-carbon enterprise.In June 2024,the company applied for a loan from Neijiang Xinglong Rural Bank,which responded swiftly by opening a“green channel”.Given the need for multi-departmental reviews,the bank leveraged its local institutional advantages
322、 to facilitate communication and coordination,ensuring seamless collaboration across departments and providing end-to-end on-site services.The entire process,from pre-loan investigation to disbursement,took only one week,50%faster than the standard timeline for similar loans.This approach efficientl
323、y resolved the companys funding needs,enabling breakthroughs in technology R&D and market expansion while providing robust support for local economic development.Establishing a“Green Channel”CaseDeepening Green Finance(Continued)44YIBIN CITY COMMERCIAL BANK CO.,LTDPracticing Green OperationSave elec
324、tricity Strengthen electricity management to reduce usage Maximize natural lighting to reduce artificial light when sunlight is sufficient Turn off lights,air conditioners,and other electrical appliances when leaving the office Encourage the use of electric fans and set temperature limits for air co
325、nditioners Inspect high-energy-consuming office equipment regularly and prohibit the use of energy-intensive devices like heatersReduce food waste Post slogans like“Save Food,Shame on Waste”in prominent locations in employee cafeterias to promote the“Empty Plate Campaign”Save water Post“Save Water”s
326、igns in prominent locations near faucets Control water flow from faucets Repair water pipes and equipment promptly to prevent leaksSave paper Leverage information system to reduce paper usage process announcements,notices,document releases and matter approvals via the OA platform Promote paperless m
327、eetings install video conference systems covering all branches of the Bank in head office meeting rooms,and utilize third-party platforms like Tencent Meeting Encourage double-sided printing and copying reduce paper usage by adjusting font size,line spacing,and margins for non-official documentsStre
328、ngthen company vehicle management Prioritize purchasing new energy vehicles and low-emission cars to reduce fuel consumption and exhaust emissions Implement strict approval processes for company vehicle use,requiring at least three passengers for dispatchReduce toner cartridge usage Encourage refill
329、ing toner cartridges instead of replacing them to reduce usage and environmental pollutionPurchase eco-friendly furniture Purchase furniture with eco-labels and certifications,and decorate office areas with potted plants for a greener environmentThe Group is committed to the philosophy of green deve
330、lopment,advocating for the principles of“conservation,practicality,and opposition to waste”.The Bank promotes green office practices,green commuting,and the establishment of green outlets,striving to reduce energy consumption and hazardous waste emissions.These efforts aim to set a benchmark for gre
331、en financial institutions and contribute to sustainable development.Office Operational ConsumptionWe continuously monitor resource usage and waste emissions in its operations,implementing multiple measures to reduce both.In 2024,the Groups primary office operational resources included electricity,ga
332、soline,water,and paper,with waste mainly consisting of domestic and office garbage.We regularly monitor waste emission levels and are committed to maintaining a 100%compliance rate in waste disposal.Green Operation InitiativesWe strictly adhere to the Law of the Peoples Republic of China Concerning
333、Environmental Protection,the Energy Conservation Law of the Peoples Republic of China,and the Law of the Peoples Republic of China on Prevention and Control of Environmental Pollution by Solid Waste,advancing sustainable office operations.We have issued the Green Office Management Measures and the Guidelines on Ecological and Environmental Protection Work to promote energy-saving and carbon reduct
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