#1CRCBANK Stock Code 601128 24小时 9560200 全国服务热线 www.csrcbank.com Q 2021 ENVIRONMENTAL SOCIAL and GOVERNANCE REPORT#2CONTENTS 1. Adhere to Inclusive Navigation, Focus on Urban and Rural Development 2. Explore the Power of Technology to Build Caring Services About This Report 01 Corporate Governance Executive's Statement 03 ESG Management About Us 05 3. Addressing Climate Change, Building a Green Bank 4. Creating Feiyan Culture, Inheriting Serving Rural Revitalization Support the Development of Micro and Small Businesses Deepen Financial Benefits for the People Social Responsibilities 23 23 Drive Technology and Business 35 Integration Green Finance Developmen 47 Caring for Employees 55 28 dhering to Green Operation 51 Financial Education 60 60 Activating the Potential of 38 Science and Technology Social Welfare 61 30 30 Enhance Customer Experience 41 Safeguard Information 44 Security and User Privacy Key Performance Data 67 ESG Indicator Index 69 Reader's Feedback Form 71 10 07 16#301 2021 ESG Report CRCBANK 601128 2021 ENVIRONMENTAL SOCIAL and GOVERNANCE REPORT 2021 Environmental Social and Governance Report About This Report Basis of Preparation Data Description CRCBANK 02 The purpose of this report is to respond to the expectations of stakeholders and show Jiangsu Changshu Rural Commercial Bank's concept, management, actions and achievements in ESG. Time Range This report is prepared according to the Shanghai Stock Exchange's Guidelines for Environmental Information Disclosure of Listed Companies and Guidelines for Preparing Corporate Social Responsibility Report (collectively referred to as "SSE Guidelines"). In the meantime, the report is in line with Chinese CSR Report Preparation Guide by the Chinese Academy of Social Science (CASS- CSR 4.0, United Nations Sustainable Development Goals and Sustainability Reporting Guidelines published by Global Reporting Initiative (GRI). The information and data used by this report come from official documents, statistical report and financial statement of CSRC Bank and ESG information aggregated and audited by us. Report Obtaining Time range of the report is January 1, 2021 -- December 31, 2021. Some contents might traced back to historical data. Organization Scope Explanation for Appellations This report is published in both print and electronic version. To obtain the electronic version of the report, please visit the website of Shanghai Stock Exchange (www.sse.com.cn) and the Bank's official website (www.csrcbank. com). Unless otherwise specified, this report covers Jiangsu Changshu Rural Commercial Bank Co., Ltd., including all its branches and subsidiaries. For the convenience of presentation and reading, "Jiangsu Changshu Rural Commercial Bank Co., LTD. " is expressed as "CSRC Bank" "Bank"" company" or "we/us" in this Report. Contact Information Release Cycle This report is an annual report. Board Office of CSRC Bank Tel: 0512-52909021 Fax: 0512-52962000 E-mail: [email protected] Address: 58 New Century Avenue, Changshu City, Jiangsu Province#403 2021 ESG Report Executive's Statement 66 In 2021, we celebrated the Centennial birthday of the Communist Party of China, and also witnessed the 20th anniversary of the CSRC Bank's reformation. In the 20 years, CSRC Bank, in line with its mission of supporting agriculture and small and micro enterprises (SMEs), has explored a special development path for microfinance, and has achieved a win-win situation for its own development, capital market, and social benefits. " Serving micro and small business, supporting rural revitalization. As a rural and commercial bank that focuses on small and micro businesses and practice to be inclusive, we insist on party-led development, and introduced outstanding financial talents into the rural area to support rural revitalization. At the same time, we constantly speed up the construction of inclusive financial sites, develop products and services according to the actual needs of rural area and SMEs, and meet the urgent needs of farmers and enterprises. We also continue to innovate new models of services for the benefit and convenience of the people, making CSRC Bank a helper in the daily life of the public. Leading by science and technology, optimizing customer service. We always take technology as the driving force for business development, promote the integration of technology and business, and developed a variety of online platforms and products to make financial services more intelligent and convenient. We adhere to the service concept of "Mind the people's livelihood, customer's first choice", and are committed to providing customers with high-quality, comprehensive and timely services. At the same time, we try our best to ensure information security and customer privacy. In 2021, our complaint handling rate was 100% and our comprehensive customer satisfaction reached 99.18%. Insisting green development, protecting clear waters and green mountains. We innovated and developed green finance business, adhered to the strategic guidance, established a green finance department and a green low- carbon transformation financial service center in 2021. We launched a series of green financial products such as Emission Loan, Su Carbon Finance, Environmental Protection Loan and green bond to provide guarantee for the development of green economy. Similarly, we also adhere to green and low-carbon operation, build "zero carbon outlet" pilot, and promote paperless services and office, so as to minimize our impact on the environment. Focusing on people-oriented, building a happy bank. We take "Feiyan culture" as the core. Internally, we regard employees as an important asset of the company, help employees achieve career development and care about their work and life; Externally, through the CSRC bank Charity Foundation, we have carried out various public welfare projects such as donating funds to students, helping doctors and disadvantage people in Jiangsu, Gansu, Yunnan and Hubei for many years. In addition, in response to the impact of the covid-19 and the floods in Henan, we launched corresponding credit products to help the public to resume production and life. Born for the farmers, live up to the mission and continue to fight for the future. In 2022, we will still comprehensively serve the rural revitalization and the real economy, promote common prosperity with inclusive finance, empower our businesses with science and technology, and fully integrate ESG into the whole process of business development and operation our enterprise. We will also take on new responsibilities and missions to promote high-quality economic and social development and stride forward on the road to pursuing our dreams. Executive: CRCBANK 04 43 March 30, 2022#505 2021 ESG Report About Us CSRC Bank was reformed in November 28, 2001, and is the first joint stock rural financial institution in China with more than 60 years of history, and is listed on the Shanghai Stock Exchange in September 30, 2016 (Stock Code: 601128). According to the latest ranking published by the British magazine Banker, CSRC Bank was selected as the global bank brand value and the global strong banks "double TOP 500". 常熟银行 CRCBANK 06 The Explorer of Rural Financial Reform Adhering to the exploration spirit of "dare to break, dare to try, dare to do", we have achieved the goal of starting from Changshu to laying out the province and radiating the whole country and took the lead in going out of the registered place to carry out cross regional operation. The company set up its first non- local sub branch in Haimen city, Jiangsu Province in 2008, currently with 10 regional cities in Jiangsu Province; We were the first to introduce the state- owned bank, Bank of Communications, as a strategic investor and became the largest shareholder, and to participate in seven rural financial institutions. The Adherent of Small and Microfinance Firm market positioning of "supporting agriculture and supporting small businesses", set up a small and micro loan franchise institution based on business division in 2009 to create a professional, replicable and industry-leading micro loan core technology and serve 390,000 loan customers. Of all the loans, more than 65% of the credit funds are used to support SMEs, more than 70% of the credit funds are invested in agriculture related fields, and nearly 80% of the credit funds serve the real economy. The Trendsetter of Capital Market Benefiting from the position of the differentiated market, profit growth ratio, bad loan ratio, provision coverage ratio and other indicators of CSRC Bank have remained at the forefront of the listed bank segment since its listing. Stock valuation levels are among the top in the industry. For four consecutive year, CSRC Bank has been ranked 1st in the assessment system of the Tuoluo of China Banking Association among the country area rural and commercial banks. The Practitioners of Rural Bank Based on the exploration and practice of Inclusive Finance, relying on the initiation of the establishment of rural banks, copy and promote the "CSRC micro loan model". Over the past 14 years, CSRC bank has successively initiated the establishment of 31 "Xingfu" rural banks in Hubei, Jiangsu, Henan, Yunnan and Hainan. On September 19, 2019, Xingfu Village Bank Co., Ltd., the country's first investment management village bank initiated by CSRCC bank, officially opened in Haikou City, Hainan Province. In the future, we will never forget our initial heart and the mission is on the shoulder. Under the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, CSRC Bank will not forget the original intention of "supporting agriculture and supporting small businesses", bearing in mind the mission of "Inclusive Finance, Responsible Bank", forge ahead, do pioneering work, better assume the responsibility of the main force of rural finance in the new era, and strive to build a first- class listed agricultural and commercial bank with distinctive characteristics! Company Culture Vision Rural finance leader Mission Inclusive finance, responsible bank Core Values Inclusive finance, responsible bank Enterprise Spirit Reflective optimism, courageous innovation Management Philosophy Compliance responsibility and keep improving B Business Idea Focus on small and medium, flexible and efficient Development Concept Dare to explore, steady development Talent Concept All rivers run into sea, employee first Service Notion Mind the people's livelihood, customer's first choice#607 2021 ESG Report Our Achievements P Ranked 423rd among the Top 500 Global Banking Brands in 2021 British Magazine Banker Ranked 435th in the Global Top 1000 banks in 2021 British Magazine Banker The comprehensive score of county level rural and commercial banks ranked first in the GYROSCOPE Evaluation System in 2021 China Banking Association Ranked 83rd among China's Top 100 banks in 2021 Excellent participating institutions in the electronic information exchange system Level A in information disclosure evaluation for 2020-2021 China Banking Association China national clearing center (CNCC) Shanghai Stock Exchange Advanced Unit of Inclusive Financial Service for Banking Financial Institutions in Jiangsu Province in 2020 China Banking and Insurance Regulatory Commission Jiangsu Regulatory Bureau E Advanced Unit of Inclusive Financial Service for Banking Financial Institutions in Suzhou Province in 2020 China Banking and Insurance Regulatory Commission Suzhou Supervision Branch Best Board of Directors Award for Investor Relations of Chinese Listed Companies Jinniu Award 2021 for Wealth Management in China Banking Industry Securities Times China Securities Journal Corporate Governance Tianji Award 2021 for Financial Inclusion Service Banks Securities Times CSRC Bank insists on integrating the leadership of the Party into all aspects of corporate governance. By promoting the modernization of our corporate governance, regulating the operation of the corporate governance system ("Shareholders' Meeting, Board of Directors, Board of Supervisors, and Senior Management"), creating long-term value for stakeholders and focusing on risk management and internal control, we improve the overall level of corporate management and decision-making efficiency. Corporate Governance System Development CRCBANK 08 We emphasizes the return on shareholders' investment, focuses on sustainable development, highlights the protection of stakeholders' rights and interests and strives to build a harmonious relationship among multiple interest groups. At present, our "Shareholders' Meeting, Board of Directors, Board of Supervisors and Senior Management" corporate governance system ensures clear division of labor, checks and balances and effective coordination. Our corporate governance system is comprehensive and systematic, with standardized operations at all levels of corporate governance. Organizational Structure Shareholders Meeting Strategy and "Three Rural" Financial Services Committee Risk Management and Related Transaction Control Committee • Audit and Consumer Protection Committee Nomination and Remuneration Committee Financial Integrity and Ethics Committee ⚫ Office of the Board of Directors Front Desk Office Board of Directors Board of Supervisors President's Office Supervisory Committee • Nomination and Performance Evaluation Committee • Office of the Board of Supervisors Asset and Liability Management Committee Internal Control Management Committee Risk Management Committee Financial Innovation Committee Loan Review Committee Technology Management Committee Investment Decision Committee Middle and Back Office. Wuding Xingfu Village Bank, LLC Yuanmou Xingfu Village Bank, LLC • Nanhua Xingfu Village Bank, LLC Yimen Xingfu Village Bank, LLC • Jiangchuan Xingfu Village Bank, LLC Luoping Xingfu Village Bank, LLC • Shizong Xingfu Village Bank, LLC Luliang Xingfu Village Bank, LLC ⚫ Qujing Zhanyi Xingfu Village Bank, LLC Kunming Panlong Xingfu Village Bank, LLC • Huan'an Qinghe Xingfu Village Bank, LLC Wuxi Binhu Xingfu Village Bank, LLC Taizhou Gaogang Xingfu Village Bank, LLC Suqian Sucheng Xingfu Village Bank, LLC ⚫ Ruyang Xingfu Village Bank, LLC. Neihuang Xingfu Village Bank, LLC Yichang Xingfu Village Bank, LLC Luoning Xingfu Village Bank, LLC • Yangzhou Xingfu Village Bank, LLC Changyang Xingfu Village Bank, LLC • Zigui Xingfu Village Bank, LLC • Yancheng Binhai Xingfu Village Bank, LLC Huai'an Huaiyin Xingfu Village Bank, LLC ⚫Huai'an Qingpu Xingfu Village Bank, Inc. ⚫ Songxian Xingfu Village Bank, LLC Dangyang Xingfu Village Bank, Inc. Yiyang Xingfu Village Bank, Inc. Tangyin Xingfu Village Bank, Inc. Changzhou Jintan Xingfu Village Bank, LLC • Enshi Xingfu Village Bank, Inc.#709 2021 ESG Report CRCBANK 10 Shareholders' Meeting The Shareholders' Meeting is the authority of CSRC Bank. The Shareholders' Meeting provides an effective communication channel with shareholders and ensures that all shareholders have the right to know, participate and vote on material topics of our bank. During the reporting period, we held one annual shareholders' meeting and one extraordinary shareholders' meeting, in which 18 proposals were considered and adopted. Both meetings were held in accordance with the relevant legal procedures to ensure the shareholders' rights to participate and vote. Among all the proposals, 12 of them were counted individually by small and medium shareholders. Board of Directors The Board of Directors is the decision-making body of CSRC Bank. Our Board of Directors currently consists of 13 members (4 women), including 3 executive directors, 5 non-executive directors and 5 independent directors (accounting for more than one-third of the total number of Board members). Our Board of Directors comprises the Strategy and "Three Rural" Financial Services Committee, Risk Management and Related Transaction Control Committee, Audit and Consumer Protection Committee, Nomination and Remuneration Committee, and Financial Integrity and Ethics Committee. During the reporting period, we held in total 6 meetings of the Board of Directors to consider 45 proposals. Board of Supervisors The Board of Supervisors is the supervisory body of CSRC Bank. Our Board of Supervisors currently has 6 members (2 women), including 2 shareholder supervisors, 2 external supervisors and 2 employee supervisors. Under the Board of Supervisors, there are Nomination and Performance Evaluation Committee and Supervisory Committee. During the reporting period, we held 4 meetings of the Board of Supervisors to consider 24 proposals. Senior Management The Senior Management is the executive body of CSRC Bank and is responsible to the Board of Directors. CSRC Bank has eight members of senior management, including a president, five vice presidents, one assistant president, and one secretary to the board of directors. Under the President's Office, there are Asset and Liability Management Committee, Internal Control Management Committee, Risk Management Committee, Financial Innovation Committee, Loan Review Committee, Technology Management Committee, and Investment Decision Committee. Investor Communication Received 74 batches of on-site research and teleconferences Participated in 27 brokerage strategy meetings CSRC Bank attaches great importance to the interests of investors and actively communicates with them to enhance their confidence in the development of our bank. We continued to strengthen the communication and interaction with investors using various approach, including mass media, official website, shareholders' meeting, results presentation, investor-analyst meeting, SSE e-interactive platform, investor hotline, investor mailbox and WeChat. During the reporting period, we received 74 batches of on-site research and teleconferences, with 583 institutional investors and 681 person times; Participated in 27 brokerage strategy meetings, 32 one-to-many exchanges and 399 person times. On October 25, 2021, CSRC Bank held the "2021 Investor Open Day" in Suzhou, China. Nearly 100 banking researchers and institutional investors attended the event. The leaders, investors and institutional analysts had a lively conversation and we responded to the investors' concerns in detail, further enhancing the investors' confidence in the development of our bank. 常熟农商银行 CHANGSHU RURAL COMMERCIAL BANK 常熟银行投资者开放日 2021 股票名辦 股票代码: "2021 CSRC Bank Investor Open Day" Event Site ידיי In order to reduce information asymmetry and protect the rights and interests of investors and other stakeholders, especially the small and medium shareholders, we strictly complied with the regulatory requirements on information disclosure. We actively fulfilled the information disclosure obligations, steadily promoted voluntary information disclosure, and proactively made voluntary disclosures on matters of key concern to investors and the capital market, such as the formulation of corporate strategies, business development plans, risk management and differentiated operations. During the reporting period, CSRC Bank disclosed 4 regular reports, 41 interim announcements and 29 other institutional documents, and was awarded A grade in the SSE's disclosure evaluation for 2020-2021. Systematic Risk Prevention During the reporting period, CSRC Bank disclosed 4 regular reports, 41 interim nnouncements 29 other institutional documents CSRC Bank focuses on risk management, continuously improves risk control and strengthens the prevention of systemic risks. We have established a relatively comprehensive capital adequacy assessment process. Each year, we assess the capital adequacy under capital planning by setting uniform macroeconomic stress scenarios, considering the impact on major risks such as credit risk and market risk under different stress scenarios of GDP and M2 growth rates, and formulating different measures for various scenarios to maintain a reasonable capital adequacy level.#811 2021 ESG Report Macroeconomic Stress Test CRCBANK 12 CSRC Bank conducts annual stress tests on the default rate of corporate clients and macroeconomic factors, and the results show a negative correlation between the default rate of the Bank's public clients and macroeconomic indicators, GDP and M2. Since 2019, the macroeconomic indicators are at historically low values, but the measures introduced by the government to reduce taxes and fees and financial services in response to the COVID-19 have effectively alleviated the difficulties in customers' operations. Overlaid with the relatively fast economic recovery and stable growth rate of CSRC Bank's operating regions, the default rate of public customers has remained stable. Risk Management Case Digital risk control efficiently supports online loan business In 2021, the Bank set up a digital risk control taskforce and a model review taskforce to improve the full lifecycle management mechanism of risk control models and enhance the independence of risk control. • Maintain the agility and effectiveness of risk control models ° Progressively empower the digital risk control middle office During the reporting period, CSRC Bank formulated and issued Risk Preference Statement, Risk Management Work Opinions, Approach to Emergencies and Information Security Continuity Plan, and improved the Public Health Incident Continuity Plan. We clearly required the entire CSRC Bank to prevent and resolve major financial risks, optimize credit resource allocation, focus on risk prevention and control, and build a comprehensive risk control system. "Regime+System", Strengthening the Pre-Event Preventaion ☐ Guided by 37 risk preferences, 168 limit management and implementation rules, we have built various system control platforms to achieve comprehensive joint prevention of systems and systems in credit management, risk warning, non-zero internal evaluation, operational risk, compliance and internal control, asset and liability management, etc. . Continuously integrate and update risk control models: iterated 138 risk control rules throughout the year, formed 607 risk control rules and 2 scorecard models for online products, and served 9 online products with 84,800 people using the credit Validated and optimized 5 types of internal evaluation models Explore new applications of credit scoring . Use credit scoring to analyze and calculate the future default rate of personal business and improve quantitative analysis capability Carry out unified management and monitoring of risk models Carry out risk model support Carry out risk data analysis support and optimizing applications Regular monitoring of online ⚫ business operations "Three+Three+Two" Mode, Strengthening Control over the Events "Point+Surface", Strengthening Post- Event Inspection ☐ We have dynamically managed the "three lists", namely the customer grading list, gray and black list, and associated customer list. ☐ The three key points of "large amount, small amount and stock" are tightly grasped and categorized to control large amount, enhance small amount and stratify stock. ☐ We have innovated joint review mode of "stagnation point risk review" and "expert risk review", cultivating 45 industry experts in 17 key industries to work in parallel. ☐ We have established a dynamic reporting and evaluation mechanism to regularly monitor and report comprehensive, special, major and unexpected risk reports. ☐ We have implemented regular risk inspections, realizing the organic combination of risk warning information push, daily annual inspection of post-loan management, and special inspection of business management. ☐ We have implemented dynamic risk assessment and dynamically adjust the ten-level classification results, customer classification results and credit programs depending on the risk inspection. Party-building Leading CSRC Bank has always placed a prominent position in strengthening the overall leadership of the Party, written the leadership of the Party into the Articles of Incorporation, and strictly regulated the working rules of the Party Committee to establish the importance of the Party's leadership and Party building in the corporate governance. On the occasion of the centenary of the founding of the Party, we launched a joint party building campaign with the themes of "I do practical work for the public", "Think, do together for better or for worse", etc. We have been also working on the theme of Building New Strength, "Study the Party's history, Understand its theories, Do practical work and Make new advances" to deeply integrate Party building with business and lead business development with Party building. In the year of 2021, the Party building work of our bank achieved significant results. The Party Committee of the Head Office was awarded as "Suzhou Advanced Base-Level Party Organization". Three Base-Level Party organizations of the Head Office were awarded as Advanced Grass-roots Party Organizations of the Provincial Federation, two Base-Level Party organizations were awarded as Advanced Base-Level Party Organizations of Changshu City, and the Secretary of the Party Committee Zhuang Guangqiang was awarded as "Advanced Individual of Jiangsu Province for Rural Revitalization" by Jiangsu Provincial Party Committee and Provincial Government, and "Communist Party Member of the New Era" by Changshu City. Our Exhibition Pavilion "A Hundred Years of Golden Years, Feiyan Building Dreams" was selected as the activity point of the New Era Civilization Practice in Changshu City. 予熱送 常熟市“党建引 金融商民 助力乡村振兴。 "Party-Led Development, Financial Benefit to the People, Helping Rural Revitalization" Special Event#913 2021 ESG Report CRCBANK 14 Business Ethics and Compliance CSRC Bank attaches great importance to business ethics and compliance management. We strictly fulfills the legal obligations on anti-money laundering and continuously improves the compliance management system, aiming to create an atmosphere of integrity in its practice. Anti-Money Laundering In the year of reporting period, we complied with laws and regulations, formulated and improved a number of rules and regulations, including Management Measures for Self-Assessment of Money Laundering Risks and Terrorist Financing Risks, Operational Procedures for Anti-Money Laundering Business, Management Measures for Customer Money Laundering Risk Assessment and Classification, and Anti-Money Laundering Work Rules for Financial Market Business Lines, etc. We adopted processes and measures such as customer identification, customer risk level classification management and control of high-risk customers, and linked with public security authorities, regulatory authorities and Dow Jones List to fine-tune the Anti-Money Laundering management. At the same time, we held anti- money laundering publicity and training in multiple dimensions. Customer Identification Strictly implement the requirements of real-name system to open an account and refuse to open an account if suspicious cases are found, so as to prevent customers from borrowing or fraudulently using other people's identity to open an account and using the account for illegal purposes such as renting, lending or selling. In case of any abnormalities such as change of basic information, criminal investigation and freezing, in addition to retaining the relevant information, our bank is required to double check through identity network verification and other procedures, if applicable, to prevent risks. And for public customers, the information should be checked and verified. Compliance Management In 2021, CSRC Bank has built the "Three-Year Plan" in accordance with compliance, and will continue to promote the systematization of the bank compliance based on the development strategy. Establishment of the Compliance Culture System • We aim to build the distinctive "Xiao Yan" compliance brand by carrying out compliance culture development in multiple ways, strengthening positive propaganda and increasing the number of warning education events held. Establishment of the Compliance Organization System • We equip our compliance team with the best human resources. We have selected and hired 77 full-time and part-time compliance officers to cover all departments and branches of the bank. Establishment of the Institutional Process System ⚫ The total number of internal regulations in the bank is 2,696, of which 1,642 in the head office (425 added and 199 repealed) and 1,045 in the branches (483 added). 249 regulations are reviewed, with a year-on-year growth of 9.34%. The completion rate of the annual revision plan is 100%. Establishment of the Compliance Control System • We adhere to innovation and management compliance and continuously improve the problems and correction mechanism. We have built a compliance monitoring system to promote the normalization of case prevention and investigation. We focus on improving the branch compliance management mechanism, and evaluate the operation of the branch in terms of system management, contract management, and compliance inspection and correction mechanism. Customer Risk Level Classification Management Anti-money Laundering and Anti-Terrorist Financing Monitoring Multi- dimensional Anti-Money Laundering Financial Knowledge Promotion Events CSRC Bank's Anti-Money Laundering system has a dedicated customer risk registration management module with two types of templates: comprehensive scoring model and exception model. For blacklisted customers, we directly rate the highest risk level; for customers suspected of money laundering crimes and reported suspicious cases, we include them in the higher risk level range; for customers above the higher risk level, customer due diligence investigation, customer re-identification form are needed and transaction restriction measures are required. In addition to the terrorism-related lists issued by public security authorities and regulatory departments, our Anti-Money Laundering system has achieved T+1 linkage update with Dow Jones list, blacklist linkage warning, and linkage prompting between blacklist and core business system within the Anti-Money Laundering system. We held various types of events including hall publicity, outdoor publicity, live publicity, party building publicity, etc. In 2021, 17,109 people participated in CSRC Bank's offline promotional activities and 270,000 views for the online live broadcast. Integrity Building We attach importance to regulating staff behavior, identifying business compliance moral risks, and formulating CSRC Bank Reporting Incentives and CSRC Bank Rules for the Implementation of Petition Work to manage integrity practices. In 2021, we organized 87 newly promoted cadres to have integrity talks and signed the Ten Prohibitions of Employee Behavior Commitment, Compliance Commitment and Integrity Commitment, respectively. In addition, we have identified 20 major integrity risk points and 25 major employee abnormal behaviors, and conducted occasional dynamic behavioral checks, and sorted out 8 major risk points in 213 categories covering 227 positions according to 3 risk levels of "high, medium and low". 20 常熟农商银行 2021年度警示教育大会 CSRC Bank 2021 Warning Education Event □ HERO 20 zzz#1015 2021 ESG Report During the reporting period, we held a number of anti-corruption warning education events. Different functional departments carried out multiple sessions to explain the law and discipline by cases. A total number of more than 80 training sessions for employees were held, with more than 14,000 participants. A total number of more than 80 training sessions for employees were held CSRC Bank "5.10 Integrity Training Day" Event Responsible Sourcing With more than 14,000 participants 宪法具有最高的法律地位、法律权威、法律效力 无法 #X AX 宪法 The Bank has released the Regulations on Supplier Management (Trial). The management of suppliers follows the principles of "openness, fairness, impartiality and integrity", establishes a list of suppliers, implements a list- based graded dynamic management of suppliers, continuously optimizes the supplier structure and controls supplier risks. CSRC Bank has 245 suppliers for centralized procurement in 2021, including 171 suppliers who have passed environmental and social audits. Supplier differentiation management strategy includes dynamic management suppliers and strategic cooperation suppliers, of which 18 are dynamic management suppliers and 2 are strategic cooperation suppliers. CRCBANK 16 82 Dynamic Management Suppliers Establish an effective competition mechanism for suppliers who provide more standardized and alternative products Strategic Cooperation Suppliers Establish strategic partnerships with suppliers of core products directly related to our production and operations Supplier Access We procure manufacturers or operating products that meet national, industry, technical, safety and environmental protection standards. E Suppliers Management and Evaluation We implement graded management of suppliers. The Procurement Office refuses to suppliers who have been included in CSRC Bank's grey list or black list. ESG Management Responsibility Management In order to fully implement the concept of sustainable development and ensure the effective management of ESG issues, CSRC Bank has established a ESG management system led by the Board of Directors and Senior Management, and implemented by relevant functional departments to clarify specific division of labor and responsibilities at the level of ESG management. 3) are strategic cooperation suppliers Decision-Making Level ⚫ CSRC Bank's Board of Directors leads the deliberations and decisions on major ESG issues, including the formulation of relevant strategies and guidelines and the special review of ESG reports. Management Level The Senior Management of the company is responsible for ESG work involved, including the organization, management and promotion of ESG projects, clarification of development plans, improvement of ESG- related systems, and evaluation of the effectiveness of ESG projects implementation. Execution Level • All functional departments and branches of CSRC Bank are responsible for the specific affairs of ESG, assisting in the preparation of ESG reports, regularly submitting relevant management initiatives, KPIs and cases, and organizing and implementing various ESG- related activities. CSRC Bank has 245 suppliers for centralized procurement in 2021 including 171 suppliers who have passed environmental and social audits of which 2 18 are dynamic management suppliers#1117 2021 ESG Report CRCBANK 18 Communication with Stakeholders CRBC Bank attaches importance to communication with stakeholders and has established a regular stakeholder communication mechanism to listen to voices from different perspectives as an important basis for improving environmental, social and governance practices. Stakeholders Communication Channels Needs and Expectations • Compliance-based operation • Paying tax as the law requires • Promoting employment • Responding to national strategies Contributing to the development of the industry ⚫ Information disclosure Daily communication and reports ⚫ Site visits • Receiving supervision and inspection ⚫ Visiting reception Government • Stockholder |Do • Compliance-based operation • Consistent and stable investment returns •Risk management ⚫ Corporate governance • General meeting of stockholders Regular reports and announcements ⚫ Investor communication meeting Customer •Serving "Three Rural" ⚫ Launch the inclusive finance • Respecting customer privacy High quality customer service • Customer satisfaction survey • Visits • Customer activities • Account manager daily contact Identification of Material Issues In accordance with the Shanghai Stock Exchange's Guidelines for Environmental Information Disclosure of Listed Companies, Chinese CSR Report Preparation Guide by the Chinese Academy of Social Science (CASS-CSR 4.0), United Nations Sustainable Development Goals and Sustainability Reporting Guidelines published by Global Reporting Initiative (GRI) standards to define the process of reporting content, strengthen interaction with stakeholders through various means, and understand the level of concern, expectations and demands of stakeholders on our ESG. We identify and screen relevant ESG issues related through suggestions from the managerial level, benchmarking studies of domestic and international peers, multimedia information analysis and on-site research, and understand the level of concern of the issues by stakeholders, and then determine the final materiality of the issues. Sources of issues: • Proposed by management of the company Proposed by Internal and external experts base on analysis о 88 о Analysis on multimedia information 。 Research on benchmarking with domestic and overseas peers • Criteria and guidance on ESG 。 Feedback from suppliers 。 Community opinion solicitation Selection criteria: 。 Contribution to society and sustainable development • Common concerns of stakeholders ° Emphasized in ESG related guidance 。 Meeting the strategic development needs of the company Matrix of ESG Materiality Issues of CSRC Bank in 2021 فن Partner Keeping the contract Mutually beneficial and long-term cooperation • Improving supply chain management • Business negotiations • Project cooperation Industry communication 83 • Protecting employee rights and interests • Occupational health and safety • Training and development • Staff Employee care • Labor union Internal publication platforms such as internal journals and intranets Workers' Congress Daily communication ☑ Environment • Green operation • Environmental concept promotion • Environmental organization communication Public • Improve employment Build harmonious community Carry out public welfare activities • Financial education • Volunteer service • Public welfare activities Significance to Stakeholders Medium importance Low importance High importance Develop inclusive finance and improve people's livelihood Business ethics and compliance management Protecting employees' rights and interests Developing green finance Responding climate change Information security and privacy protection Preventing systemic risks Staff development and training Employee health and life care Adhere to green operation Financial product and technology innovation Community investment Building a responsible corporate culture Support national strategy Promoting financial literacy ● Environment Responsible sourcing Protecting customer rights and interests Society Enhancing customer experience Significance to CSRC Bank Governance We used online questionnaire research to prioritize the selected issues and understand the significants of ESG issues by internal and external stakeholders. During the reporting period, we received a total of 322 valid questionnaire results. After analyzing and calculating the questionnaire data, we finally determined the degree and boundary of issue disclosure and formed the matrix of ESG Materiality Issue of CSRC Bank.#1219 2021 ESG Report UN Sustainable Development Goals In addition to our own development, we are always concerned about the international community and global sustainability trends, and we continue to carry out a number of actions guided by the UN Sustainable Development Goals, hoping to help build a more sustainable planet through our own practices on sustainable development. All departments of the bank are discussing the UN Sustainable Development Goals, and in 2021, we will help the implementation of the Sustainable Development Goals throughout the company with a number of practices. 1 NO POVERTY We participate in many public welfare projects such as medical care projects, donate to infrastructure construction; help to fight and alleviate poverty in some areas. Xingfu Village Bank has a total of 168 branches, covering 16 former state-designated poverty-stricken counties. ⚫ The total value of donated facilities is 1,308,700 yuan, and help to sale agricultural products by 3,967,000 yuan. 3 GOOD HEALTH AND WELL-BEING W We protect the health of our employees by organizing both regular medical checkups and a supplemental medical insurance plan, and provide a number of benefits to our employees to enhance their well-being. QUALITY 4 EDUCATION 7 Through donations, we help students in poor areas to get a better and fairer education. • • • • Employee medical checkup rate reached 100%. Distributed a total of 1,680,000 masks, 500 thermometers, 1,200 bottles of hand sanitizer and other pandemic prevention materials throughout the year. Organized more than 1,300 activities for employees throughout the year, with more than 12,000 participants. 8 DECENT WORK AND ECONOMIC GROWTH 9 INDUSTRY, INNOVATION AND INFRASTRUCTURE CRCBANK 20 We provide diverse training systems and two types of promotion paths for our employees to promote their career development and highlight their value. In 2021, 694 new employees were recruited, accounting for about 10.13% of the total number of employees in the bank. • A total of 633 training sessions were held for 146,683 employees. We develop inclusive finance and supported industrial innovation and development in urban and rural areas. CSRC Bank's balance of agriculture-related loans reached 115.119 billion yuan, accounting for 70.71% of all loans, and personal business loan balance reached 64.866 billion yuan. In order to promote the intelligent and digital transformation of enterprises, the credit amount of "Changzhi Loan" reached 445,115,000 yuan in 2021. SUSTAINABLE CITIES 11 AND COMMUNITIES ::: We provide financial literacy and convenience facilities for the community and focus on the interests of community groups. Achieved full coverage of 109 branches in urban and rural areas with the "Social Insurance Banking Pass" service. The "Medical Insurance-Banking Pass" service has achieved full coverage in 38 local branches. Two branches were awarded the title of "Quality and Civilized Service of the Elderly-Oriented Outlet". Carried out the "Feiyan Scholarship Program" to help 95 poor college students in Changshu. We donated 1,100,800 yuan to local college students. 12 RESPONSIBLE CONSUMPTION AND PRODUCTION QO Protect consumer rights and protect customer privacy. AFFORDABLE AND CLEAN ENERGY Innovative construction of zero carbon outlet pilot, through the use of clean energy, the transformation of air conditioning systems, lighting systems and other infrastructure to reduce carbon emissions. • The pilot construction of "zero carbon outlet" is expected to generate 25,000 kWh of electricity annually, which can lead to a reduction of 6.80 tons of carbon emissions per year. 13 CLIMATE ACTION • The complaint handling rate was 100%, and the overall customer satisfaction rate of the call center was 99.18%. Develop a full range of user privacy protection policies to regulate online service user informed consent. Innovate green financial products, guide financial investment in green and low- carbon industries, and stimulate green economic growth. • The total amount of green credit for the year reached 1.560 billion yuan, supporting 34 enterprises with a loan growth rate of 23%. • We launched "Emission Loan", "Su Carbon Finance" and "Environmental Protection Loan" to support the energy-saving and environmental protection transformation of enterprises. . Set up a "green channel" to improve the efficiency of green credit approval.#131 Adhere to Inclusive Navigation, Focus on Urban and Rural Development The implementation of rural revitalization and the development of inclusive finance are important national strategies. The Bank is determined to take the construction of inclusive financial services as a grip, actively implement the corporate mission of "Inclusive Finance, Responsible Bank", practice the market positioning of "Support Agriculture, Support Small Enterprises ", and promote the implementation of important national strategies and policies. Serving Rural Revitalization Support the Development of Micro and Small Businesses Deepen Financial Benefits for the People 16329977 tach 1629917 花蝠金 小 皇由自 F#1423 2021 ESG Report CRCBANK 24 Serving Rural Revitalization CSRC Bank contributes to rural revitalization by full coverage of financial talents in rural areas, opens Xingfu Village Bank, continuously improves financial accessibility, provides special products and services, and effectively implements the corporate vision of "Rural Finance Leader". Introducing Finance Talents to Rural Areas In order to enhance the organizational guarantee of financial inclusion and rural revitalization, CSRC Bank has actively explored the mode of financial talents helping rural revitalization, and through comprehensive cooperation with local communities, CSRC Bank has selected and assigned "Feiyan Specialists of Rural Revitalization " to achieve full coverage of financial talents in rural areas, providing personnel and mechanism guarantee for the special action of rural revitalization. In 2021, the cooperation of talents in Changshu's rural areas cover 8 towns, 6 streets, 2 development zones, 214 administrative villages and 116 communities. "Three steps" to explore the mode of financial talents helping rural revitalization Step 1 Step 2 Step 3 Build a three-level cooperation system of "city-town-village" to achieve two levels of full- coverage, namely, full-coverage cooperation between the head office and 16 towns (streets) and development zones in Changshu, and full-coverage cooperation between branches in Changshu and local villages (communities). select and assign 274 ""Feiyan Specialists" to full coverage of financial talentsat town (street) and village (community) levels to serve the countryside. Financial advisors are fully involved in rural governance and rural revitalization. Explore with pilot towns to carry out "three credit" construction projects to help grassroots rural governance. In order to further enhance the accessibility of rural finance, CSRC Bank established Xingfu Village Bank, the first investment management village bank in China, to open up a new chapter of financial services for rural revitalization. By carrying out "joint study and construction of party organizations" and "village courtyard meeting" with two village committees, CSRC Bank set up a team of "financial officials in village" based on the "village grid" and continued to fill the financial gap of villages and towns. Increase the number of outlets Issuance of loans to help farmers Promote whole- village credit Promote online services • • • • • CSRC Bank has 31 Xingfu village banks under its jurisdiction, 22 of which are located in the counties of less developed areas in the central and western regions, with a total of 328 branches covering 16 formerly state-designated poor counties, more than 90% of which are concentrated in towns, villages and communities, gathering more than 70% of credit resources. Xingfu village banks vigorously promote Xingfu sites, setting up nearly 95 light outlets in town and village communities and serving more than one million customers. By the end of 2021, Xingfu Village Bank had issued over 1.3 billion yuan of poverty alleviation loans to more than 8,000 poor households, with more than 90% used to support agriculture and more than 80% invested in the development of small and micro real economy, involving the renovation of dangerous houses, repair of pig and sheep pens, farming machinery, seed and pesticide procurement and other fields, helping to promote rural revitalization with practical actions. In 2021, the credit scale of the whole village reached 13.185 billion and the number of households reached 148,000, an increase of 251% and 223% respectively compared with the beginning of 2021; the credit balance reached 1.673 billion and the number of households reached 23,000, an increase of 428% and 379% respectively compared with the beginning of 2021. Xingfu Village Bank actively explores digital empowerment for financial inclusion and vigorously develops online services, using mobile banking, small programs and other channels to realize online loan application, online contract signing and other services. By 2021, the overall online rate of the village bank had reached 80%, and the number of online service customers reached 160,000; 30,000 new customers used online products such as "Xingfu Reserve" and "Fuxing Loan", and 0.5 million credit accounts were used. Enhancing Financial Accessibility including inclusive financial 153 sites in Changshu DO | III. Case CSRC Bank Haiyu branch created a community inclusive financial service outlet The Lidu Garden under Haifu new town community in Changshu is a community of demolished households in Haiyu, and there is only one bank within 2 kilometers around, it's very inconvenient for the people to handle financial business and purchase daily necessities. In order to enable the people in the local community to handle business nearby, CSRC Bank Haiyu branch actively builds the community inclusive financial service site of Lidu Garden, providing comprehensive service functions such as payment and settlement, loan financing, financial management, convenient payment and daily necessities purchase for the people. SWRGON 助农支付 飞燕集市 |公众教育 健康服务 CSRC Bank accelerates the construction of inclusive financial service sites, formulates the Implementation Plan of Changshu Rural Commercial Bank for Quality Improvement and Efficiency Enhancement, and relies on the brand of "Feiyan Sites" to reach the last kilometer of financial services according to local conditions. By the end of 2021, CSRC Bank had built 238 inclusive financial service sites, including 153 sites in Changshu, and covering 150 administrative villages. By the end of 2021, CSRC Bank had built 238 service sites covering 150 administrative villages#1525 2021 ESG Report CRCBANK 26 Case Hubei Enshi Xingfu Village Bank helped a local fruit farmer overcome business crisis and expand production scale In September 2020, Mr. Guo's vineyard in Enshi, Hubei Province, was affected by the pandemic, resulting in poor sales of grapes and difficulty in repaying his loan. In the process of visiting households, village financial officers from Enshi Xingfu Village Bank learned of Mr. Guo's difficulties and helped him with the Bank's "deferred principal and interest repayment" policy, and increased his credit limit to 200,000 yuan. After receiving the loan, the couple rented new land, repaired the greenhouse, introduced new varieties and expanded the grape planting area to 170 mu, and the annual turnover is expected to exceed one million yuan. As early as 2007, CSRC Bank initiated the establishment of the first village bank in Xianfeng, Enshi. By the end of 2021, Enshi Xingfu Village Bank has achieved full coverage of 8 counties and cities in the state, with total assets of over 10 billion yuan, and has provided financial services for over 440,000 customers with deposits and loans. Xingfu Village Bank has granted credit to 40,900 households totaling 3.926 billion yuan, helping local rural revitalization with high-quality development. Staff of Enshi Village Bank visited a fruit farmer's vineyard Case Special Product "tea loan" by Xuan'en branch of Enshi Xingfu Village Bank in Hubei Province Tea is one of the pillar industries in Xuan'en County, with a wide industrial coverage and a large demand for related loans. Xuan'en branch organized account managers to go to villages and households, field visits, through communication with tea farmers, tea enterprises, to know the credit needs, the characteristics of tea's long capital cycle, slow return on planting, a special credit product - "tea loan" was tailored to address the problem. The product has the advantages of low interest rates, fast lending, long credit, not only to help tea farmers, tea enterprises to reduce financing costs, but also to reduce the pressure of tea farmers' capital turnover. In nearly three months, a total of 230 tea industry loans, 25.98 million yuan were invested, which is a strong support for the development of local industries. ¥ In nearly three months, a total of 230 tea industry loans 25.98 million yuan were invested, which is a strong support for the development of local industries Multiple Products to Meet Development Needs In order to meet the different development needs of villages and towns, CSRC Bank provides products and services with different characteristics for village collectives, agricultural operators and individuals, taking into account the local customs, rural economy and industrial structure of each village and town, effectively meeting the financial needs of "Three Rural" and stimulating the vitality of the villages. By the end of 2021, the balance of CSRC Bank's agriculture- related loans was 115.119 billion yuan, and the ratio of agriculture-related loans to all loans reached 70.71%. Huicun Loan Sunong Loan Huicun Loan takes each administrative village collective as the loan object, as a reserve fund for the economic organization of village collective, which is used to support local development needs, including in the normal expenses of village improvement, payment of village infrastructure repair, routine payment of daily expenses and other needs. 2021 cumulative credit of nearly 1 billion yuan, credit coverage of more than 200 administrative villages. Sunong Loan is granted to new agricultural business entities, such as farmers' cooperatives, agricultural enterprises and agricultural socialized service organizations, for short-term liquid capital loan business for regular production and operation in direct and closely related industries in agriculture. By the end of 2021, CSRC Bank had invested a total loan of 35.1 million yuan with a balance of 30.6 million yuan by the end of 2021. Staff of Xuan'en branch of Enshi Xingfu Village Bank visited local tea plantations#1627 2021 ESG Report Case Priority Rural Village Loan to help rural ecological development A green ecological agriculture company started a new rural construction project with an estimated total investment of 73.3 million yuan. After learning about the situation, CSRC Bank learned the construction plan in detail on site and matched the enterprise with our "Characteristic Rural Village Loan" product. This product is dedicated to the construction of distinctive rural villages with regional characteristics and modern civilization. We granted a total of 40 million yuan to the project with a term of 8 years. The loan was granted in 7 tranches with a total loan amount of 29.5 million yuan and a loan term of 5 years. After the loan disbursement was completed, the enterprise quickly started the project and successfully completed the construction of the whole project in three years. Through this project, it has promoted the integration of the whole area development of Haiyu National Characteristic Town. After the project is completed and maturely operated, it can bring an annual income of about 9.8 million yuan, which greatly promotes the local economic development and provides more labor employment opportunities. IT 欢迎他的光临 + After the project is completed and maturely operated, it can bring an annual income of about 9.8 million yuan 观山云隐 16 欢迎您的光临 15.欢迎您的光临 Talent Team for Microfinance Services "A Trillion Plan" CRCBANK 28 Support the Development of Micro and Small Businesses In response to the difficulties in financing micro and small businesses, CSRC Bank has increased the efforts of inclusive financial services, broadened the financing service channels, improved the scale and efficiency of credit granting, and cultivated and strengthened micro and small market entities. System and Talent Building In order to strengthen the institutional leadership of microfinance services, we has launched "a trillion plan" to continuously improve the lending mechanism and attach importance to the construction of our talents to continuously improve the quality and strength of the services. We proposed "A Trillion Plan" to develop 100 professional markets, extend credit to 10,000 households and add 2 billion yuan in high-interest assets in 2021. By the end of 2021, we had visited 181 professional markets in the jurisdiction, with 19,400 new credit accounts, credit amount of 3.692 billion yuan and credit balance of 2.442 billion yuan. Improve loan mechanism • We continue to improve the lending mechanism, increase credit allocation to first-time borrowers of micro and small businesses. In 2021, we supported 1,342 micro and small businesses (including individual entrepreneurs and micro and small business owners) with a total amount of 4.695 billion yuan through the special product "Non-repayable renewals". Talent team building We attach importance to improving the construction of microfinance serving talents, optimizing the staff structure and focusing on building a comprehensive talent team mainly for microfinance services. We have set up a professional project team for "online banking" and gathered talents with various skills of "business + approval + technology" at the headquarter to provide talent support for microfinance services.#1729 2021 ESG Report Innovative Microfinance Service Mode CRCBANK 30 CSRC Bank actively explores and innovates products and service modes for microfinance, gradually shifts from the traditional mode to the modern mode, promotes online approval and credit products, and continuously improves the quality and efficiency of microfinance services. In 2021, the online approval rate of loan business for microfinance is 36%, and the total amount of online loans for microfinance services was 9.721 billion yuan. Case Expanding marketing channels We have launched a combination of online and offline products Expanding marketing channels: CSRC Bank fully utilizes channels such as WeChat official account, video account, and latent customer platforms for marketing and promotion. We have launched a combination of online and offline products: the offline product "Sunshine Loan", which serves "three rural" as well as micro and small customers in urban and rural areas, and supports rural farming, small enterprises and store operations in villages and towns. The online product "EasyStar Financing" is aimed at micro and small business owners and individual industrial and commercial households in industrial villages and professional markets, and improves the efficiency of bulk credit. In 2021, the number of households with credit granted by "Meteor Loan" is 750,000, the credit amount is 4.650 billion yuan, the loan balance is 470 million yuan, the number of remaining households with balance is 2,349, and the average number of remaining households with balance is 50,000 yuan. CSRC Bank helps local micro and small foreign trade enterprise "go aboard" CSRC Bank actively supports local foreign trade enterprises to "go aboard", provides one-stop service for micro and small foreign trade enterprises, and launches the "City Caitong" platform, which greatly simplifies the business procedures of individual industrial and commercial entities and shortens the speed of receiving and settling foreign exchange from more than 3 working days to less than 1 working day, thus improving the efficiency of using funds in the market and enterprises. In response to the financial needs of micro and small foreign trade merchants with a large number of receipts of foreign exchange and small single amounts, we continuously strengthen its services and optimize the business process, and have now realized the opening of public foreign exchange settlement accounts under market purchase trade on the same day, and strengthens communication with customers through multiple channels such as email, telephone and WeChat to provide customers with convenient and efficient exclusive services. At present, CSRC Bank has provided more than 200 market procurement trade customers within the jurisdiction of Changshu Garment City with services such as account opening, receipt and settlement of foreign exchange. In the future, we will continue to empower micro and small foreign trade enterprises to develop their market procurement trade steadily. Improve approval efficiency Improve approval efficiency: Continuously increase the approval online rate and online approval effectiveness, thus making approvals more accurate and swift, allowing customers to have fewer travel, while improving the accuracy of risk judgment. From the beginning of 2019 to the end of 2021, the approval online ratio for micro and small businesses increased from 10% to nearly 40%. Innovative Service Mode for Border Areas FreeStar ERRO 22026 SHEARS At the beginning of 2021, in order to increase the number of outlets and expand the practice of inclusive finance, CSRC Bank explored a new mode to micro and small business: set up pilot areas for inclusive finance in remote areas bordering counties and cities and combining urban and rural areas with relatively inadequate financial supply, and set up an inclusive finance team of more than 150 people, creating an integrated service team and acting as a "pioneer" in the exploration of inclusive finance. We Explore the whole life cycle of customers service, create a new mode of market-oriented, mobile, integrated services, adhere to the customer-centric, mobile tools into the common people, integrated services to make Changyin Brand reputational; return to rural counties, deeply involve in border areas, provide a full range of financial services for grassroots customers. By the end of 2021, the loan balance of the Inclusive Finance Department exceeded 5 billion yuan, the number of households exceeded 8,000. By the end of 2021, the loan balance of the Inclusive Finance Department exceeded 5 billion yuan the number of households exceeded $8,000 Our staff visited a local micro and small garment foreign trade enterprise Deepen Financial Benefits for the People CSRC Bank strengthens cooperation with administrative departments, innovates new modes of services for the people, gives full play to many advantages such as wide channels, dense network and excellent services, carries out several projects for the people, and actively practices the service concept of doing practical things for the public.#1831 2021 ESG Report CRCBANK 32 Innovative Service Model for the Benefit of the People CSRC Bank innovates the service mode of benefiting the public and builds a convenient service system with government administrative departments. Through a number of beneficiary projects, government functions for the public, such as human society, medical insurance and administrative approval, are "moved" into the branch and cell phone bank, which greatly facilitates the process of business for the public. Issuing 1.37 million Changshu citizen cards, integrating public transport, garden tourism, payment and financial functions. As a life service platform launched by CSRC Bank, "Changyin Life" APP integrates life, consumption and finance, and integrates high-frequency life scenes such as "medical, food, housing, transportation and entertainment", "eating, drinking, playing, shopping", etc. to create a full-scene life experience and provide people with intelligent, mobile and scenario-based comprehensive services. 1022 飞燕集市 2022 飞燕集市 宁飞六街 福 运 MART 水果市 Relying on the "Changyin Life" APP, the "Nongnong Village Products" platform aims to "serve the three rural and revitalization" and upholds the service concept of "high quality, safety and convenience". In 2021, the platform had 136,000 transactional orders with a cumulative transaction amount of 7.73 million yuan. 14:47 浓品 ex 充值中心 梅燕多收 B 面包甜点 浓农乡品 5G ... ° 服务三农 / 新鲜直供/无忧售后 A A 自 休闲零食 生鲜水果 家用电器 8 饮品冷饮 覈油调味 化妆品 居家日用 浓/农/优/惠 最低1元起 每天11点20点准时开始。 好货一起事 浓/农/优/选 充值中心 梅惠农 休闲零食 生鲜水果 > 360.00 【恩施特产】 V9.90 V26.30 豪士早餐吐司... 【送糯米醋】 Citizen Card Medical Insurance- Banking Pass We has cooperated with government departments to launch the pass and opened 28 window services in 11 categories, including "registration and change of basic medical insurance" and "filing for medical treatment in different places for insured people" in 38 local branches. We helped to build "15-minute medical insurance service circle" in all towns and streets of Changshu City and Weigang Village in Zhao City, achieving full coverage of towns and streets in Changshu area, in which Meili Town's " Medical Insurance-Banking Pass" project successfully passed the evaluation and acceptance of Suzhou Medical Insurance Bureau with 99 points, ranking first in the city of Suzhou. MART Social Insurance- Banking Pass Our service of Social Insurance-Banking Pass covers 32 social insurance services in 10 categories. The number of the service outlets has increased from 4 pilot outlets to 107 outlets in urban and rural areas, with 74,000 life insurance cards issued and a total activation rate of 75.22%. Build Special Products for the Benefit of the People The scene of "Feiyan Bazaar" To enhance the quality and level of livelihood services, we continues to innovate cooperation models, organize activities for the benefit of the public, launch special products and optimize respectful services for the elderly to effectively protect people's livelihood and fulfill the social responsibility. Case "Feiyan Bazaar" is an alliance service mode between us and merchants, in which our partner merchants provide daily necessities and take advantage of our network to provide special offers to the people. "Feiyan Bazaar" has launched a series of innovative activities such as "New Year Street" "Night Market Bank", "Bank-Enterprise Sale" and "Community Shopping Festival". "They take advantage of current hotspots and festive marketing to serve people's needs through high quality and inexpensive daily commodities, special payment activities and brand derivatives. 多用料 三休闲零食 ARRP URR3RM 小英超市 2022 飞大市 街 ¥49.00 ¥459.00 ¥6.50 BIZNES... 小米生态素士。 诗羽费猫耳朵。 Nongnong Village Products Online Mall 福 福 来常熟 |农商行 办社保卡 限时预纟 活动1 办卡激活抢红包 成功办理并激活我行社保- 活动2 $+15. "Meiyan Benefit Farmers", a new mode to help sell agricultural products The "Meiyan Benefit Farmers" service brand is a brand new start for CSRC Bank and Meili Town to deepen the cooperation and to practice livelihood service. We jointly build a service platform for the sale of agricultural products and promote high-quality special agricultural products. CSRC Bank actively helps increase the sales of the platform, opens up online sales channels for agricultural products, innovates win-win cooperation mode, and sells a total of 62,400 yuan of agricultural specialties. sells a total of 62,400 yuan of agricultural specialties#192 Explore the Power of Technology to Build Caring Services At present, financial technology is flourishing in the Internet era, and information technology such as Al, big data, cloud computing and lot is constantly injecting power into finance. In such an era, CSRC Bank actively promotes the deep integration of financial technology with products and services, stimulates the vitality of financial technology innovation throughout the bank, helps upgrade financial services and secure information in the digital era, and strives to build a strong bank of technology. ☐ Drive Technology and Business Integration Activating the Potential of Science and Technology ☐ Enhance Customer Experience Bank Safeguard Information Security and User Privacy 大堂经理 Hall Manager 药 省数中 文明为您服务 #N: 52909063#2035 2021 ESG Report Drive Technology and Business Integration Case CSRC Bank+" WeChat financial tool CRCBANK 36 As financial technology continues to break through the shackles of the traditional service mode, CSRC Bank uses technology to accelerate the promotion of online products and services, deepen intelligent service and build a technological financial service mode. Drive Products and Services Online CSRC Bank accelerates the digitalization and online transformation of business and develops various online platforms and products to make customers walk less and improve service quality and efficiency. In 2021, our online return printing rate reached 62%; the online banking issuance rate reached 59%; the electric ticket issuance rate reached 90.57%; and the off-counter rate reached 75%, all of which have improved compared with last year and all of which have reached or exceeded the target values. our online return printing rate reached 62% the electric ticket issuance rate reached 90.57% the online banking issuance rate reached 59% To further promote online services, we launched "CSRC Bank+", which integrates various financial products such as deposits and wealth management, private banking+, FreeStar microfinance loans, agricultural loans, life services and financial tools, and provides customers with a lightweight and comprehensive service platform by leveraging the convenient and fast features of WeChat applets. By the end of 2021, the monthly visits to "CSRC Bank+" WeChat financial tools reached 100,000 times, with an average number of about 500,000 users. monthly visits to the off-counter rate reached 75% "CSRC Bank+" reached 100,000+ times an average number of about 500,000 us users 09:16 ll 5G 常熟银行+ O 流星贷 可》 在线申请|分秒批货|随借随还 我的积分 秒杀专区 热销推荐 我的资产 交易明细。 福利金 浓农多品 3.75% ˙业情比较基准 二期限:10957天 財富生活 投资理财 安心优选 流星货 更多 3.00-6.00% 监费比较基准 期限:728天 结构性存款 持有查询 WE 发项 我的 WeChat financial interface of "CSRC Bank+" EJ Services online Products online ■ Online public account opening: CSRC Bank launched the public service platform to realize the public business fully online. We utilized mobile lobby to enhance account opening efficiency, with 196 mobile lobby account opening transactions in 2021; utilized cloud platform for public remote video interview, with 3,220 interviews completed in 2021; eliminated paper due diligence audit forms and conducted account opening research in a purely online manner, saving a great amount of time for customers. Online services for medium, small and micro enterprises: To help improve the effectiveness of fund management of medium, small and micro enterprises, in 2021, CSRC Bank optimized and upgraded its Internet issuance business to provide more services to facilitate enterprise management and improve operational efficiency, including employee inquiry, project management, electronic signature, exceptional situation handling, etc. In 2021, 96 enterprises were enrolled in the service, and the number of served employees reached 34,000. In order to speed up the transfer process of old credit customers and enhance their transfer experience, CSRC Bank uses big data risk control model, combined with credit data model analysis, to launch the online product Star Renewable Loan, with a total of 1,241 credits granted in 2021, credit of 303 million yuan and a balance of 250 million yuan used. In response to the small, scattered and miscellaneous capital needs of village bank customers, we successfully launched the first purely online credit product of village bank, "Xingfu Reserve", using big data risk control technology to realize the online and automated credit granting process for white-listed customers. Driving Intelligent Business CSRC Bank attaches great importance to promoting the application of technology, and by making full use of big data and Al, it promotes digital transformation and intelligent upgrading of systems, services and departmental functions to reduce risks and improve efficiency. Intelligent core system: We has adopted distributed core architecture and domestic distributed database technology to improve the operational performance of the core system with reference to the core system design and advanced practices of the industry, and the new core system has better performance in terms of applicability, security, efficiency and scalability, which has improved the our product implementation and service capability. Intelligent services: Based on building the underlying platform of artificial intelligence technology, we have actively expanded the technology application scenarios. We have launched virtual human intelligent assistant service, OCR intelligent recognition platform to increase the recognition function of real estate certificates and VAT invoices, and intelligent outbound call platform to increase various scenarios such as small and micro marketing. We have built a smart property platform to provide customers with 24/7 online service windows for "community parking, appointment maintenance, property bill payment" and livelihood services such as appliance cleaning, laundry and shoe washing, plumbing and car inspection. Intelligent departmental function: CSRC Bank use artificial intelligence to optimize departmental functions and reduce business risks. We adopt face recognition and OCR technology to reduce authorization risks caused by subjectivity of authorized personnel, add new agent scenarios, enrich authorization judgment models, and secure and efficient technologies to enable us to reach an average intelligent authorization rate of 57% and over 90% of high- frequency unlocking transactions in 2021. By 2021, our self-developed Al technology has provided intelligent services to 11 business departments and 34 business scenarios.#2137 2021 ESG Report CRCBANK 38 Promote Elderly-oriented Products CSRC Bank attaches great importance to the user experience of whole customers, and has initially completed the elderly-friendly upgrade of the mobile banking APP, launching the "Convenient Financial Version" of mobile banking, which can be switched with the "Standard Financial Version" APP in one click, making it easy for elderly customers and visually impaired customers to use, with specific optimized functions: firstly, the home page is more concise, deleting the redundant and low-frequency transactions on the home page and focusing on high-frequency transactions; secondly, the reading is more convenient, using large fonts to display information, making it easier to read and operate; thirdly, the operation is more intelligent, adding the auxiliary voice search function, which can quickly locate the service menu for customer needs by speaking, reducing input barriers for elderly customers. ✓CH Case CSRC Bank helped a local polyester company to solve its capital needs in transformation A polyester company is the leading local enterprise, which has been cooperating with CSRC Bank for many years. With the gradual promotion of green projects, the enterprise was facing greater financial pressure. After CSRC Bank learned the enterprise's situation, we considered the actual situation of the enterprise and gradually increased the credit, among which, the "Changzhi Loan" was granted for 20.07 million yuan, which solved the enterprise's capital problem. the "Changzhi Loan" was granted for 20.07 million yuan Helping Enterprises to Transform and Upgrade On January 4, 2021, Suzhou City released the Suzhou City Three-Year Action Plan for Promoting Digital Economy and Digital Development (2021-2023).CSRC Bank actively responded to the call of Suzhou City to promote the implementation of the three-year plan, increase the support for the enterprises going through intelligent and digital transformation, and promote the transformation and upgrading of traditional enterprises. To this end, CSRC Bank has launched the "Smart Manufacturing" credit product - "Changzhi Loan", which is specially designed to meet the financing needs arising from the intelligent transformation and digitalization of enterprises. "Changzhi Loan" three-step action plan Customer Advocacy • We visited enterprises and their workshops on site, combined with our official website and WeChat official account to form an online and offline publicity matrix to deepen customers' understanding of the policy and products across the jurisdiction. At the same time, all branches of CSRC Bank are opened to accept eligible financing needs, and the 956020 customer service hotline is ensured to answer customers' related questions all day long. xxxh 7|111| Customer Mapping Credit Granting • • CSRC Bank makes full use of a large number of branches and 150 account managers to actively mapping 83 enterprises in need, covering equipment technical reform projects, production line intelligent transformation projects, printing and dyeing high- quality development projects, etc., providing targeted financial services guidance, involving a total investment amount of 4.540 billion yuan. CSRC Bank cooperated with Changshu City Bureau of Industry and Information Technology, mapped the list of 100 customers in demand, and served 16 potential customers, involving a total investment amount of 1.080 billion yuan. 北自所 注意碰撞 CSRC Bank staff visited the local polyester company Activating the Potential of Science and Technology • At the end of 2021, the amount of "Changzhi Loan" being granted was 445,115,000 yuan and the amount of credit used was 184,883,400 yuan, with a total of 141 loans granted and 48 enterprises supported, ranking first in Changshu City and Suzhou City. At present, technology-driven financial innovation has become the consensus of financial institutions. To further stimulate the potential of technological innovation, CSRC Bank has formulated Changshu Rural Commercial Bank Financial Technology Development Plan (2019-2022) and set the development target that by 2022, we would have fully built a financial technology research, development and application system to enhance the satisfaction of customers inside and outside CSRC Bank with digital, networked and intelligent financial products and services.#2239 2021 ESG Report CRCBANK 40 Enhancing Research Strength In order to achieve our technology development goals, we strengthen the top-level design and strategic planning of financial technology, accelerate the our financial technology reform, continuously improve research investment, increase efforts to attract, gather and motivate technology talents, improve the technology talents training system, and enhance the core competitiveness of financial technology. In 2021, the total number of CSRC Bank's scientific researchers was 261. ✓ H Case Suzhou Research and Development Center of CSRC Bank To further stimulate the potential of technology innovation and gather technology talents, we relocated the R&D team of Financial Technology Department to the Suzhou Industrial Park 2.5 Industrial Park and set up Suzhou R&D Center, which is dedicated to technological R&D and innovation, while fully utilizing the advantage of Suzhou's financial technology talents, to actively recruit new technology talents in Al, open banking, blockchain, etc., to accelerate the upgrade and iteration of CSRC Bank's technology capability. The Suzhou R&D center has an office area of 10,000 square meters to ensure that researchers have enough space to engage in technological innovation and R&D work. Improve the quality and efficiency of the recruitment of technology talents, and build a balanced development of cutting-edge wisdom, mature talents, and reserve force of technology talent system. Sound and perfect the differentiated performance incentive mechanism for technology talents, establish a non- job promotion sequence for technical talents and the corresponding key rating assessment indicators, and improve the market-oriented remuneration system for technical talents. Increase the training of technology talents, create inter- disciplinary talents, cultivate talents with deep understanding of the core of technology and financial needs, also with financial risk awareness and Internet thinking. Male Famale Bachelor Degree Master Degree The Building of Suzhou R&D Center 11 1 Strengthen the Protection of Intellectual Property Rights 发明专利证书 发明专利证书 发明专利证书 75% 25% Gender Composition of CSRC Bank's Technology and Research Staff Educational Composition of 2.2 investment (million yuan) 2.43 2.52 82% 18% 2019 2020 2021 CSRC Bank's Technology and Research Staff The total investment in technology and research of CSRC Bank from 2019 to 2021 In order to strengthen the protection and management of CSRC Bank's intellectual properties and to enhance the awareness of employees on the protection of intellectual properties, we have issued the Management of Information Technology Intellectual Properties of Jiangsu Changshu Rural Commercial Bank Co., Ltd to encourage independent innovation while making detailed regulations on computer software copyright, prohibition of using pirated software and the use of intellectual properties by employees in order to strengthen the protection of intellectual properties. As of 2021, CSRC Bank has obtained national technical invention patents for four system- related technologies, including seal publication system, big data risk control, OCR recognition and knowledge mapping, and software copyrights for 30 products, including public mobile banking and account management system. 14747 发明专利证书 12547 1 " 15 10% +1 1300 中华人民共和国国家版权局 计算机软件著作权登记证书 #& SK BARAN 著作人,江西常熟农村商业頭行能份有限公司 P 首次发表日期:未发 *NEW ( 2. T 中华人民共和国国家版权局 计算机软件著作权登记证书 A E KREN esen (Pam) (Ens Re Important achievements of CSRC Bank's technical invention patents and software copyrights (part) *#2341 2021 ESG Report Enhance Customer Experience CSRC Bank always puts customers' rights and interests in the first place and strives to improve the quality of customer service. In recent years, we have been using technology to innovate our ways to provide more intimate and convenient services to customers. Create Caring Services In order to create attentive services and further enhance customer experience, CSRC Bank formulated the Lobby Management Manual and Lobby Service Manual, customized service processes and requirements for special groups, made standardized guidance for lobby service personnel, and renovated and improved lobby equipment. In addition, we actively organize various activities to enrich people's life. 2 ·常银直播 E32 就是诈 家百姓家 CRCBANK 42 ●常银直播间 常熟市第一人民医院医共体 健康促进中心 常熟一院 专家团队 走进「常银直播间」 Improve the hall equipment: set up mother and baby room, disabled access, open a love special window in the high counter, enrich convenient goods and equipment in the convenience area, such as first aid medicine box, blankets, wheelchairs, baby chairs, crutches, peace of mind service cards, braille cards, different degrees of presbyopic glasses, etc., as well as the use of the Drip Language APP, etc., to provide special people with peace of mind, comfort and convenient services. Changshu main venue activity of the "Five Five Shopping Day Shopping Festival" Health science live event To carry out "Service Improvement Year" activities: to carry out self-assessment work of each branch, and to carry out rectification work for 30 branches; to improve the quality of lobby management of the whole bank, and to create "elderly friendly branch", "party, government and people's business" and "workers' station" characteristic branches; to set up role models, strengthen publicity, and drive the whole staff to improve service quality by the power of role models, and at the same time to carry out service sharing sessions, and to exchange and learn from excellent service experience and cases in the whole bank. Case CSRC Bank actively improves elderly-oriented services at its branches Children's reading area Relying on Changyin Life to create a closed loop of points' redemption: through the inclusion of local enterprises, merchants and farmers, CSRC Bank's business and activity points can realize the self-circulation within our customers and enhance customer service capability. Using Chang Yin Life APP to carry out various live activities: participating in "Human World Fireworks with You, the main venue of Changshu "Five Five Shopping Day Shopping Festival", hosting the financial knowledge live event of the provincial federation "Watch out for money laundering traps", carrying out a series of health science popularization live activities jointly with the Changshu First People's Hospital, and helping to carry out a special live broadcast of Xu City's Mutton Soup Festival. CSRC Bank actively promotes the virtue of respecting the elderly, and selects two institutions, Dongbang branch and Meili branch, as the benchmark outlets for building elderly-oriented services. Through a series of measures such as the renovation of elderly-oriented facilities, improvement of the items, establishment of exclusive service teams and improvement of elderly-oriented service processes over a period of two months, both branches were awarded the title of "Quality and Civilized Service Elderly-Oriented Outlet" in the final evaluation, which provides experience for the promotion of elderly-oriented services in the next stage. 尊老公益区#2443 2021 ESG Report Optimize Complaint Management Safeguard Information Security and User Privacy CRCBANK 44 We patiently listened to customers' feedback and insisted on solving complaints at source. 165 complaints were received in 2021, with a processing rate of 100%, 538,100 remote banking manual services, 736,600 calls to the customer service center, and 99.18% comprehensive customer satisfaction from calls. In order to standardize the complaint handling process of complaints and improve the service quality and customer satisfaction, we continued to improve the Complaint Handling Management Measures of Jiangsu Changshu Rural Commercial Bank Co., Ltd, so as to standardize complaint handling responsibilities, processes and management requirements, to improve the quality and efficiency of complaint management. CSRC Bank continues to strengthen network information security and user privacy protection, continuously improve various management systems and management systems, enhance staff awareness of risk prevention, and provide solid protection for the financial security of the entire bank. Complaints Ratio 38% 35% 59% 33% 8% 16% 7% 4% 1% other complaints Loan Bank Card Saving Payment Currency settlemen Management departments off-site at the headquarter local institutions institutions Composition of complaints by business category in CSRC Bank 2021 Driving Information Security Management In order to strengthen data security and privacy protection, we formulated and improved the Production Data Management Regulations of Jiangsu Changshu Rural Commercial Bank, established a Technology Production and Information Security Management Committee, established and implemented an internet security responsibility system, and formed an internet security work leadership team. We also established a three-tier document management system to continuously improve the IT risk management document system and information security management system; and utilized technical protection to provide full life-cycle security management for data desensitization, data backup, data preservation, data access and usage control. CSRC Bank continues to enhance employees' awareness of network information security and promote the regularization of bank-wide internet and information security training, and all staff actively participated in the training. In 2021, CSRC Bank organized 95 times of internet security training for employees, covering 4,300 employees, organized 4 sessions of employee internet security knowledge quizzes, covering more than 5,000 people. Composition of complaints by region of CSRC Bank 2021 ○ In order to strengthen our information security protection, we have conducted internet and information security awareness training for new employees, which is divided into three sections: "what is information security awareness", "security norms at work" and "preventive measures", informing employees how to prevent information leakage, identify phishing emails, various hardware and software security requirements, etc., and discussing specific cases. CSRC Bank attaches importance to unblocking complaint channels. In order to better collect customers' suggestions or opinions and improve the service level, we keep the customer service hotline open 24 hours a day to accept customers' inquiries and at the same time, display information such as charge standards and complaint supervision telephone numbers in each branch, and places complaint comment books in each branch hall to ensure that customers can communicate with us through various channels and give feedback and suggestions. Complaints handling process of CSRC Bank ΣΟ ייע In May 2021 o We launched a cyber security awareness campaign covering the entire staff, mainly covering the background of cyber security regulation, implementation of security responsibilities, security measures and work deployment of head office departments and branches, to raise the awareness of cyber security among all staff. In July 2021 ○ The Bank conducted cyber security and compliance education training for new employees in the technology line, to explain the Bank's cyber information security and compliance regulations. In December 2021 o We further carried out cyber security awareness training concerning the current situation of cyber security and cyber security related laws and regulations, and comprehensively strengthened the warning of the significance of cyber security for all staff in the Technology Department. Complaint Acceptance Complaint Review Complaint Handling Closing and Filing Register in User Privacy Protection The office of headquarter, customer service center and branches receive complaints the complaint standardization system and forward to the relevant department for review Functional department investigation and verification, and feedback to customers within five working days Summarize and analyze within the specified time and regularly inform the whole bank of the complaint handling situation CSRC Bank attaches great importance to the protection of customer privacy. We formulated and improved the Administrative Measures for the Security of Personal Financial Information of Jiangsu Changshu Rural Commercial Bank Co., Ltd. and the Privacy Policy of Jiangsu Changshu Rural Commercial Bank Co., Ltd. CSRC Bank regulates users' informed consent through multiple channels such as CSRC Bank mobile banking, corporate mobile banking, Changyin Life, and Online Banking, informs users of the methods and rules for the collection and use of personal information, and makes legal and reasonable use of customer privacy information, so that customer information can be transmitted in a safe and controllable environment.#253 Addressing Climate Change, Building a Green Bank As the main force in promoting the development of green finance, CSRC Bank has been actively upgrading its strategy, innovating and developing green finance business, optimizing the green investment environment, and providing strong financial support for the development of green economy. At the same time, CSRC Bank has taken the initiative to carry out operational reform, implement green office and build a green bank. Green Finance Development Adhering to Green Operation Online Banking Login Password: CREDIT CARD 主食宝视#2647 2021 ESG Report Green Finance Development Green Finance Products CRCBANK 48 With its financial advantages, credit advantages and information products, CSRC Bank takes the initiative to fulfill its social responsibilities, does a good job of providing loan support to energy-saving, emission reduction and urban infrastructure projects, promotes green production and consumption, and strives to achieve good social and economic benefits. CSRC Bank has formulated the Green Finance Development Strategy (2020-2025) of Jiangsu Changshu Rural Commercial Bank, which includes the three major tasks of preventing environmental and social risks, accelerating the development of green business, and improving the performance of ESG itself. It also integrates the concept of green environmental protection and green development into all business management activities to effectively support the development of green finance business. In 2021, CSRC Bank established the Green Finance Department and the Green Low Carbon Transformation Financial Service Center, following the principles of full coverage, checks and balances, prudence and matching to carry out internal control. In order to build solid foundation for the development of our green finance, we implement the Four Guarantees and Six Enhancements of the regulatory authorities, the Green Finance Evaluation Program for Banking Financial Institutions, the Opinions on Green Low Carbon Financial Reform and Innovation in Suzhou and the Green Finance Development Strategy of CSRC Bank. CSRC Bank has set up a "green channel" fast approval mechanism. This mechanism strengthened information system construction, optimized customer rating system, and improved credit allocation standards to enhance the bank's organizational capacity to develop green finance and provide a strong guarantee to promote the development of green economy. CSRC Bank actively researches, innovates green products, enriches the Green Finance "product library". We have increased the construction of green financial products and service innovation mechanisms related to green, low- carbon and circular economy and strengthened the innovation of green credit products for "three rural" and small and micro businesses. We have also developed and introduced a series of standardized loan financing models and low- carbon financial products in a timely manner. In the reporting period, CSRC Bank achieved remarkable performance in green finance, with total green credit 1.560 billion RMB, supporting 34 enterprises, and a loan growth rate of 23%. with total green credit 15.60 billion RMB Loan Type Supporting 34 enterprises with a loan growth rate of 23% Loan Usage "Green Channel" and "Fast Track" We have introduced a "green channel" approval mechanism and a "fast track" loan review model to provide a green channel for credit approval for green, low-carbon, circular economy and other green credit businesses and customers, simplify credit information for high-quality green financing projects, and streamline the credit approval process. Strengthening Information System We strengthened the construction of information systems, embeded customer environmental and social risk classification indicators into the credit process system, and realized the whole process display of risk information. We also incorporated external environmental violations and other risk information into the internal management system to further enhance risk warning and control capabilities. Emission Loan Su Carbon Loan Borrowers who hold emission rights obtained for a fee and confirmed in the form of emission permits apply to CSRC Bank for RMB working capital loans for their normal production and operation Working capital loans granted by the Bank to agricultural-related, micro and small business and private enterprises in the green enterprise directory database, which are supported by the Central Bank Funds of Jiangsu Province. It is mainly used for enterprises' energy-saving and environmental protection transformation and capital needs arising from daily production and operation activities. It is mainly used for the capital needs of energy- saving and carbon-reducing projects of enterprises, or the capital needs arising from the daily operation activities of energy-saving and carbon-reducing enterprises. Improving Credit Allocation Standards By building a green credit policy and management system guided by "One Policy" and guaranteed by "Four Mechanisms" and strictly controlling the credit investment in "High Pollution, High Energy Use and Overcapacity "industries, our green credit business has shown a healthy growth trend year by year. Optimizing Customer Rating System Relying on the comprehensive risk monitoring and early warning platform to carry out environmental and social risk monitoring, environmental information is incorporated into the customer rating system, and customers with bad environmental records will be forced to downgrade their ratings in the rating system. Environmental Protection Loan A financial product jointly established by Jiangsu Provincial Department of Finance, Provincial Department of Ecology and Environment and Jiangsu Rural Credit Cooperative Society. Through the establishment of a risk compensation fund pool for ecological and environmental protection projects, we aim to provide loan credit and risk compensation for pollution prevention and control, ecological protection and restoration, environmental protection infrastructure construction and environmental protection industry development projects carried out by enterprises in Jiangsu Province. It can be used for energy and water conservation projects, ecological protection and restoration projects, resource recycling projects, pollution prevention and control projects, renewable energy and clean energy projects, energy conservation and environmental protection services projects, and other environmental projects audited and approved by the provincial assessment center.#2749 2021 ESG Report Green Bonds CRCBANK 50 Case Featured Rural Village Loan Helps Green Ecological Agricultural Developments A green ecological agriculture company is within the list of the second batch of pilot villages for the construction of the special rural village in Suzhou. It was established to build a new featured rural village. After the company was established, it quickly started new rural green construction related projects with an estimated total investment of 73.3 million RMB. However, since the project is under the construction period and has not yet started production and operation, the enterprise has a large capital gap. After learning about the situation, CSRC Bank took the initiative to meet with the local village, town and enterprise to understand the construction plan in detail, discuss the feasibility of the project and the economic development opportunities for the local area, and finally decided to match the enterprise with the Bank's "Featured Rural Village Loan" product, with a total credit of 63.5 million RMB and a credit term of 67 months. After the loan was granted, the enterprise started the project and successfully completed the construction of the whole project in three years. The construction of this project has promoted the integration of the development of the whole area of the featured town and driven the development of several villages in the region, becoming a typical model for the development of regional rural linkage. After the completion and mature operation of the project, it can bring an annual income of about 9.8 million RMB, which promotes local economic development, provides more employment opportunities, and helps the enterprise and local rural areas to achieve the goals of cultural construction and increasing production and income. CSRC Bank actively implements the national sustainable development strategy and uses green bonds as a new financial instrument to support the financing of green industries, assisting the development of green economy. On March 11, 2021 On April 30, 2021 CSRC Bank invested in the first phase of 2021 green mid-term notes (carbon neutral bonds) of Suzhou SND Group in the amount of 30 million RMB, contributing to the implementation of the first carbon neutral bonds in Jiangsu Province and the development of green finance in Suzhou. CSRC Bank invested in a 2021 non-public green corporate bond of Yangzhou Yishengde Industrial Development Co., Ltd. in the amount of 50 million RMB with a maturity of 3 years. The fund was used for the comprehensive ecological and water environment management project of Yangzhou Eco-Tech New City. "Featured Rural Village Loan" helps to build new featured rural village 14:26 信息#2851 2021 ESG Report Adhering to Green Operation Zero Carbon Outlet Pilot Construction CRCBANK 52 CSRC Bank continues to strengthen its own environmental construction by precisely regulating room temperature, using computers and water scientifically and disconnecting electricity in a timely manner, while innovating the construction of zero-carbon outlets and implementing paperless offices to save resources and reduce carbon emissions. In this reporting period, CSRC Bank mainly used gasoline, natural gas, electricity, water resources and paper; the waste generated was mainly domestic and office waste, which was handed over to the municipality for disposal. For the equipment that needs to be disposed of at end of life, CSRC Bank handed over to the company with e-waste disposal qualification and filed on the website of the government's Environmental Protection Bureau to ensure the harmless disposal of e-waste and minimize the impact on the environment. CSRC Bank carried out renovation of facilities to reduce energy consumption and implemented projects to achieve more fine-tuned self-control of building air-conditioning units and reduce carbon emissions. Projects include renovation of building air-conditioning system, renovation of data room infrastructure, energy-saving renovation of lighting system and energy-saving renovation of fresh air control system, etc. The first solar power generation project was installed and put into use at the Fushan Xiaoqiao branch office for daily operation, which is expected to generate 25,000 kWh of electricity annually and reduce carbon emissions by 6.80 tons per year. Data Unit of Measure Total gasoline consumption by owned vehicles 608,831.90 L Total gas consumption Total electricity consumption Total water consumption 123,752 E m³ Paperless Office CSRC Bank vigorously promotes online service and management and paperless operation at any time and place, in order to achieve a green, low-carbon, and shared office mode. Paperless Counters 31,104,679 kWh 174,663 t Amount of paper saved by paperless billing 2.4 Total GHG emissions (Scope I + Scope II) Total energy consumption 19,758.01 tCO₂e 4,641.31 tce Approaches Results Paperless Transformation of Counter Transaction In 2021, we achieved paperless transformation of 26 transactions, reaching a total of 306 transactions to go paperless. By the end of 2021, the volume of counter paperless transactions accounted for more than 78% of the business volume, saving about 43,100 common vouchers. Paperless Files The electronic file system realizes unified, standardized and efficient management of all kinds of file image data by separating the system data and image storage and reducing the pressure of system server loading. By the end of 2021, a total of about 1.1 million list data such as list of each mortgage loan repayment, list of successful loan closing and interest deduction, list of voucher usage and list of open and closed accounts were stored. Online Reply Slip We expand the printing channels of enterprise reply slips. Online channels support online banking, web version of reply slip printing. The online reply slips print rate for 2021 is 61%, increasing 20% compared to last year. As of the end of 2021, a total of 8,181,200 reply slips were printed, of which 4,984,300 reply slips were printed on the internet banking and web side combined, increasing 102% compared to last year. Online Reconciliation We expand reconciliation channels, supporting WeChat reconciliation, web reconciliation and online banking reconciliation. Multi-channel online reconciliation reduces the printing of paper bills. By the end of 2021, 469,088 e-bills were issued, saving 469,000 copies of envelopes and paper used for inserts. Online Investigation We will take the public account due diligence review department online. Account managers register research information on mobile, support on-site photography, generate image data automatically transmitted to the account file. Since complete replacement of paper files in late 2021, we saved in total 2,064 sheets of paper.#294 Creating Feiyan Culture, Inheriting Social Responsibilities CSRC Bank combines its own development with the concept of social responsibility, safeguards the interests of employees and community residents and promotes regional development. We continue to deepen our CSR practices, aiming to create greater value for our society. Caring for Employees Financial Education Social Welfare CREDIT CARD#3055 2021 ESG Report CRCBANK 56 Caring for Employees CSRC Bank pursues the talent concept of "All Rivers Run into the Sea, Employees First", protects the rights and interests of employees according to the law. We aim to achieve the development of talents, cares about the work and life balance of employees, and improve the value of employees. Protecting Employee Rights and Interests Empowering Employee Development CSRC Bank attaches great importance to the value of talents, deeply implements the strategic goal of "Talent Development". We have established a sound multi-channel growth incentive mechanism and built a comprehensive and powerful talent development system. In addition, we continuously improve the dual-path promotion mechanism of management and professional, and promote the construction of talent team. The Bank strictly abides by the relevant provisions of the Labor Law and the Labor Contract Law, which clearly stipulate the content of working hours, rest and leave, labor protection and working conditions, prohibit the use of child labor, prohibit gender discrimination, equal rights and equal pay for men and women, prevent any form of forced or compulsory labor of employees, protect the legitimate rights and interests of employees, and prevent any form of forced or compulsory labor of employees and protect the legitimate rights and interests of employees. In the reporting period, CSRC Bank has 6,849 employees in service, 694 new employees, accounting for about 10.13%. 638 employees are in the middle and senior management, accounting for about 9.32%. The ratio of men to women in the bank was 1:1.15, and the ratio of men to women in middle and senior management was 1.44:1. Composition of CSRC Bank's Staff Levels and Gender Employee Training CSRC Bank carries out various forms of staff training programs and creates a leadership training system called "Hong Hu Flying Plan" and a professional training system called "Kun Peng Flying Plan", in order to promote the construction of a talent team in two dimensions. At the same time, CSRC Bank has been making efforts both online and offline to create a strong learning atmosphere. Till now, we have held 633 training sessions and trained 146,683 people. The number of hours per capita reached 66, exceeding the annual target of 30 hours per capita. We also launched the "Learning Team" selection activity and relied on the "Xiao Yan Academy" APP to spread out the learning map, create learning atmosphere and stimulate learning enthusiasm, so as to empower personal growth and business expansion. Talent Training Plan for Middle-Level Positions Ling Fei Project 41.40% 49.64% 5.51% 9.32% O 3.81% Teng Fei Project Talent Training Plan for Deputy and Assistant Positions Qi Fei Project Talent Training Plan for Middle-Level Reserve Talents Female Employees Male Employees Female Middle and Senior Level Managers Male Middle and Senior Level Managers CSRC Bank strictly abides by the requirements of the Trade Union Law of the People's Republic of China and has established a comprehensive Labor Union to promote democratic management and supervision of the bank. At the same time, CSRC Bank has established a Workers' Congress system, which are held regularly to provide an effective way for employees to participate in the management and major decisions of the company, to study and consider major matters of immediate interest to employees, and to enhance employee communication. Staff representative supervisors are elected through the bank-wide staff representative conference, in order to promote the improvement of corporate governance. In the reporting period, the 6th Workers' (Labor Union Members) Congress was held to consider the report on the performance of the staff supervisors in 2021, and voted on and approved 7 motions, including the Proposal on Revision of the Corporate Pension Plan, the Proposal on Revision of the Management Measures for Employee Term Salaries, and the Proposal on Revision of the Management Measures for Demerit Points for Employee Violations, etc., to safeguard the legitimate rights and interests of employees. 889 "Hong Hu Flying Plan" Leadership Training System Jiang Xin Project Talent Training Plan for Functional Department Professionals Jiang Cai Project Talent Training Plan for Business Line Professionals Jiang Cheng Project Talent Training Plan for Internal Trainers "Kun Peng Flying Plan" Professional Training System#3157 2021 ESG Report Case "Xin Yan Project" Training Program CSRC Bank offers a one-year "Xin Yan Project" training program tailored for new employees. The program implements a combination of "in-class and out-of-class", "lecturing + sharing + practicing + passing" training mode. The program provides a two-way feedback and immersion training mode to facilitate students' role transformation from a "campus person" to a "banker" and lay a solid foundation for their future development. In the reporting period, the "Xin Yan Project" training program was conducted in 3 sessions, training 178 people. 计划”——常熟农商银行2021新員工人事培劑 New employee orientation Employee Promotion CSRC Bank implements a dual-path promotion mechanism for management and professional paths. Supplemented by a series of training systems, our promotion mechanism aims to tap and cultivate key talents and continuously promote the construction of talent team. Management and Professional Promotion Mechanism Base-Level Manager Middle-Level Manager Senior Manager Management Path New Employee Experienced (Junior) Specialist (Intermediate) Specialist (Senior) Professional Professional Path Management Path: We optimize the cadre and bank-wide ranking system, adjust various ranking standards, improve the promotion range and promotion rules for each position, and formulate the rules for employee points. And we continue to promote the "Flying Plan", carry out the third quarter of the "Flying Plan" staff inventory, and quickly identify outstanding employees under the age of 32 for training, activating the strength of young reserve cadres. Professional Path: In terms of professional talent team building, the "Crafting Talent Plan" has been implemented on a regular basis, and so far 374 reserve talents of different levels, lines and positions at the grassroots level have been updated, fully accelerating the pace of professional team building. Caring for Employees' Life CRCBANK 58 In 2021, with the focus on becoming "Happy Bank", CSRC Bank will continue to focus on the health and welfare of its employees and enhance their sense of well-being. CSRC Bank puts the health of its employees in the first place and organizes regular health check-ups for all employees every year, with the rate reaching 100%. For female employees, we have increased the number of medical check-ups such as gynecological and breast examinations, provided free radiation-protective clothing rental to pregnant female employees, offered free yoga classes and other female employee care programs, and provided psychological counseling services to promote the physical and mental health of female employees. During the COVID-19 pendemic period, CSRC Bank implemented pandemic prevention and control measures and distributed 1.68 million masks, 500 thermometers, 2,300 bottles of 75% alcohol disinfectant, 1,200 bottles of hand sanitizer, etc. We also used separate tables for dining in the cafeteria to avoid crowding. The customer waiting area of the branch is well ventilated and dispersed, disinfected, guided by a limited number of people, and protected by internal security. A pandemic prevention and control reporting system is established to effectively protect the health of employees. ENE *** Alcohol Disinfectants WAL 常言せ: Medical Masks CSRC Bank attaches importance to creating a healthy and comfortable working environment, providing employees with convenient service facilities such as restaurants, cafe and bakeries, and regularly inspecting workplace security and fire safety on site. CSRC Bank provides free cleaning of work clothes and communication allowance for employees, and vehicle allowance according to the staff car allowance management. In addition, to prepare for the summer heat and winter cold, we issue cold drinks and high temperature subsidies and summer/winter supplies to all employees. Cafe vt 全 PHICS & TO APPO167202971 M Employee Cafeteria 全 全民健康生活方式) 025#3259 2021 ESG Report CRCBANK 60 CSRC Bank cares for employees' families by providing their children with a nine-year compulsory education pre- primary tuition supplement and reimbursing their children's medical expenses for pediatric medical insurance premiums in accordance with regulations. On the basis of participating in basic pension insurance, CSRC Bank has established an enterprise annuity plan to guarantee the level of treatment for the employees after retirement. CSRC Bank pays attention to the work-life balance of its employees and enriches their spare time. The Workers' Congress leads the associations to set up sports, talent, life service and knowledge and skills departments and organizes activities on a regular basis. We organized more than 1,300 activities of various associations throughout the year, with more than 12,000 participants. We have launched activities such as book drifting, fellowship run and psychology professional assessment, held the "Feiyan Cup" Guan Dan Poker Game, offered fitness exercises, Pilates and resistance equipment courses, carried out farming practice and knowledge popularization activities, and launched outdoor yoga, aerial yoga and parent-child yoga courses to enrich employees' lives. We organized more than 1,300 activities of various associations throughout the year with more than 12,000 participants Financial Education CSRC Bank enriched the training forms of employees to enhance their knowledge and ability of consumer protection, and organized 11 consumer protection courses such as "Illegal Fund Raising Prevention Strategies", with more than 12,000 participants. Through learning points competition, employees were guided to actively participate in "Anti- WeChat Group Fraud" and other financial knowledge courses, with over 21,000 participants. 98 regulatory cases and risk tips such as "Personal Information Security Protection" were released. The company also launched the "I have a trick" micro-case self-creation course competition, invited public security anti-fraud experts to hold on-site training, and carried out the compliance theme activity of "understand the rules, be fearful, and keep the bottom line" to continuously strengthen the awareness of compliance with the law and build a firm compliance education defense line. The Bank has been carrying out various forms of public education activities, creating online and offline education brands, organizing institutions to carry out "3.15" Financial Consumers' Rights Day, "Popularize financial knowledge and guard the 'money bag" and other special publicity activities for more than 700 times, and placing more than 69,000 copies of publicity folders. We publish promotional tweets through online channels such as WeChat official account, mini banking program on WeChat and official website, and carry out activities such as prize-winning quizzes and knowledge quizzes. We put public information on consumer protection in financial service outlets and branch halls through exhibition frames, windows, streaming media and LED screens. We insist on carrying out public education activities on a regular basis, and have won many awards or commendations such as the "Suzhou Youth Financial Enlightenment Academy" and the Advanced Group for Financial Knowledge Promotion, demonstrating CSRC Bank's good image of protecting consumer rights and interests and fulfilling its social responsibilities. Employee gym class 哩 什么是电信网络诈骗 "Telecommunication Fraud Prevention and Security Knowledge Presentation" seminar at Changshu community college for seniors 维护消费者权益 构建社会主义和谐社会 arela 常熟农商银行 存款保险 保护您珍贵的财产 常熟农商银 "3.15" consumer rights protection education and promotion week 沙成 广发银行新年拒密全村版 江苏·农村商业银行 E路有我 Bank Brand 警惕洗钱陷阱,小苏教你防范 金融・知・沢 系列直播 Financial knowledge live broadcast of "Watch Out for Money Laundering Traps" MENS 247388#3361 2021 ESG Report Social Welfare "Beyond the Mountain" Study and Research Activity CRCBANK 62 CSRC Bank always integrates the social responsibility into its development, pays close attention to the practical needs of its communities and disadvantaged groups, and actively participates in social welfare undertakings. We have continued to carry out public charity activities such as donating to schools, helping doctors and the poor in disadvantaged areas. In 2021, we donated 1,100,800 RMB to poor college students, donated facilities with a total value of 1,308,700 RMB, and helped sell agricultural products for 3,967,000 RMB. CSRC Bank's Charity Foundation funded 84,100 RMB to support 22 teachers and students from Lingtai Middle School in Pingliang City, Gansu Province to go out of the rural mountain areas and conduct study tours to coastal cities in economically developed areas. The study team visited and studied modern agricultural bases, modern industrial enterprises, Changshu Middle School in Jiangsu Province, CSRC Bank headquarters, Shajiabang Red Education Base, Shanghai, etc. In 2021, we donated 1,100,800 to poor college students Charity Foundation donated facilities with a total value of helped sell agricultural products for RMB 1,308,700 RMB 3,967,000 F RMB CSRC Bank initiated the establishment of the Changshu Charity Foundation CSRC Bank Branch in September 2012 and established the CSRC Bank Charity Foundation in October 2016 as a separate entity from the Changshu Charity Foundation. Our Charity Foundation is composed with a five-member board of directors, a supervisor and a full-time Secretary-General. During the reporting period, the Charity Foundation strictly complied with the requirements of the Charity Law of the People's Republic of China to operate in a standardized manner, actively disseminated the concept of charity and scientifically planned relief projects in accordance with the duties and annual work of CSRC Bank Charity Foundation as conferred by the Constitution of the Charity Foundation. By the end of 2021, the CSRC Charity Foundation had donated nearly 20 million RMB in property and materials. Donation to Schools Feiyan Scholarship Program 12A84113 216 PLENIS 灵台一中2021年暑期赴江苏研学活动 "Beyond the Mountain" study and research activity "Blood-making" Type of Study Aid Projects Since 2019, CSRC Bank has organized and carried out the Feiyan Scholarship Program, which is a targeted poverty alleviation student support program. In 2021, we completed the scholarship support for 95 local underprivileged college students in Changshu, with a total support for 279 college students and a total donation of 2.23 million RMB cumulatively. We donated 494,200 RMB to build a 100kW distributed power generation system for Jiangyi Middle School in Yuanmou County, Chuxiong Yi Autonomous Prefecture, Yunnan. After a site visit, the Charity Foundation adopted the "blood-making" donation model for the first time to fund a solar power generation system for Jiangyi Middle School in order to fundamentally solve the school's electricity, heating and environmental problems. The project is designed to last for 25 years. The savings on the original electricity bill and the annual increase in revenue can be used to purchase additional teaching equipments and improve the campus environment.#3463 2021 ESG Report CRCBANK 64 Year-round Study Aid Projects Our Charity Foundation supports underprivileged students in local schools year-round. According to the charity plan determined at the beginning of the year, the Charity Foundation has provided a total of 60,000 RMB in grants to 30 underprivileged students at Changshu University of Technology. In addition, we have continued to support the activities of the "Li Jin Children's Palace" and increased its support for students' moral education, contributing 39,500 RMB for Changshu City Sunshine School moral bank points exchange. Medical Support in Disadvantaged Regions Our Charity Foundation joined the "Heart Bless Project - Qinghai", a public welfare medical project in Qinghai supported by the Jiangsu Provincial Government. The project is implemented by the Second Hospital of Nanjing Medical University, which supports the surgery and rehabilitation of local children with congenital heart disease. Our Charity Foundation visited the project site, Hainan Tibetan Autonomous Prefecture People's Hospital in Qinghai Province, participated in discussions, expert screening and treatment plan determination, donated 50,000 RMB for the surgery and treatment of local children, and contributed 100,000 RMB to purchase supplies for the medical and nursing staff of Hainan Tibetan Autonomous Prefecture People's Hospital in Qinghai Province. During the 14th Five-Year Plan period, our Charity Foundation plans to donate 100,000 RMB per year to participate in the "Heart Bless Project - Qinghai" project. 0 常熟农商银行 拉盒少年富 LI JIN SHAO NIAN GONG "Heart Bless Project"- treating the child Help by Joining Hands with Governments "Heart Bless Project"-treating the child "Li Jin Children's Palace" Donation of teaching facilities to improve teaching environment The Charity Foundation, together with Jiangchuan Xingfu Village Bank, donated 11 sets of bar cabinets and corner bookcases, 10 sets of desktops, 1 test paper printer and 1 copier to Anhua Yi Township Central Primary School in Jiangchuan District, Yuxi City, Yunnan, to improve teaching facilities. The donation amounted to 91,820 RMB. In cooperation with Enshi Xingfu Village Bank, we donated 80 sets of desks and chairs, 12 beds and a campus broadcasting system to Jizidu Village Primary School in Baiyangping Town, Enshi City, with a donation of 43,480 RMB. Based on the meeting minutes signed between the municipal government, Xinzhuang town government and CSRC Bank, our Charity Foundation signed a donation agreement with Xinzhuang Town Charity Association and donated 300,000 RMB for the renovation of village public welfare infrastructure such as cultural and educational bulletin boards, rest promenade, leisure and exercise equipment, outdoor people's stage, parking lot pavement and supporting greenery in Tandang Village, Xinzhuang Town, Changshu. According to the request of the Municipal People's Congress and CSRC Bank's negotiation on helping projects, our Charity Foundation donated 250,000 RMB to assist in the construction of the fence, toilets, septic tanks and school gate of Heishe Primary School under Xinmin Town Center School in Liupanshui, Guizhou, which improved the campus environment. Financial aid for educational reserve project The charity visited the special education school in Zigui County, Yichang City, Hubei Province, and planned to contribute 200,000 RMB to purchase rehabilitation equipment and set up a titled rehabilitation room in the school. The charity has been in contact with Xingfu Village Bank in Dangyang, Changyang, Yiling and Enshizhou in Yichang to reserve local school projects. Academic building and Playground of Heishe Primary School - after construction#3565 2021 ESG Report Volunteering Services Fighting against the COVID-19 Pandemic CRCBANK 66 CSRC Bank has continued to strengthen the construction of volunteering team and issued a number of documents, such as Organizational Management System of Volunteer Association, Activity Management System of Volunteer Association and Material Receipt Management System of Volunteer Association, which further standardized the day- to-day operation and management of our Volunteer Association. The total number of registered volunteers of CSRC Bank Volunteer Association reached 1,657. In 2021, more than 400 volunteering activities were initiated, 2,000 people were organized to participate, and the total service hours exceeded 16,000. In Changshu, our Volunteer Association relies on 109 outlets and 174 inclusive financial service sites in all communities and towns of Changshu to build a "five-minute" volunteer service network. In 2021, during the critical period of pendemic prevention and control, the Volunteer Association and the "Xing Fu Village Special Duty - Feiyan Commissioner", actively coordinated with the pendemic prevention and control work in each town and village (community), visiting over 50,000 households, pre-registering more than 60,000 people, and volunteering more than 16 hours per person. In addition, the volunteer association cooperates with CSRC Bank Charity Foundation to provide various volunteer activities for students who have been donated and guide them to actively give back to the society, with a total of 279 services. At the same time, the Volunteer Association also extends the advanced experience of Changshu to other cities by establishing off-site branches in Suzhou, Wuxi, Nantong, Zhenjiang, Yancheng, Yangzhou, Taizhou. Through this off-site synergy, the Volunteer Association has built a two-tier organization network based on Changshu and radiating to the whole Jiangsu province. 海予塚 毛燕送礼 兴村特岗挂职代表聘任仪式 During the spread of the COVID-19 pandemic, in response to the damage caused by the pandemic to enterprises and people's livelihood, CSRC Bank innovated and launched inclusive products and special credit funds such as pandemic resumption loans to help enterprises resume work and production smoothly and maintain social and economic stability. In 2021, we provided special credit funds to fight against the pandemic and provided special credit funds of 11.747 billion RMB, which effectively benefit local enterprises and people's livelihood. Case Innovating COVID-19 pandemic credit products to help enterprises with the resumption of work and production The "Star Loan" is an innovative online microfinance credit product launched by CSRC Bank during the COVID-19 pandemic prevention and control period, with a loan amount of 10,000 to 500,000 RMB and a maximum loan term of 12 months. The product is a purely online product on our mobile banking. It adopts the whitelist pre-award model of our mortgage loyal customers and takes the traditional offline investigation process online. Customers can operate the whole process online using mobile banking, and the credit line can be issued within 5 minutes after submitting the application. They can withdraw and repay the loan online on their own, which greatly improves the efficiency of microfinance services during the pandemic period and the resumption of work and production. In 2021, we upgraded the original "Star Loan" credit product to "Star Loan 2.0", which further expands the applicable group of the "Star Loan" credit product. We include our credit guarantee customers as our target customers. By the end of 2021, the loan balance of "Star Loan" was 2.012 billion RMB and the number of households was 10,500. 堅享货 开启“星”人生 抵押老客户专享贷款产品 贷款额度 臺50万元 线上操作 墨 5分钟 公会号 古装 服务热线:956020 Qwww.csrcbank.com 常熟农商银行 CHANGSHU BURAL COMMERCIAL BANK FreeStar Dev sa "Star Loan 2.0" Appointment Ceremony of the Cadres Support for Henan Flood During the floods in Henan, we launched the Home Reconstruction Loan for farmers and individual entrepreneurs affected by the disaster to help them rebuild and resume production and life after the disaster. By the end of 2021, 26 Home Reconstruction Loans with preferential interest rates had been issued, with a total loan amount of 15,450,000 RMB.#3667 2021 ESG Report Key Performance Data Indicators Total loans The total number of loan households Data Units 1,627.97 100 million yuan 38.94 10,000 households 648.66 100 million yuan Indicators CRCBANK 68 Data Units China mainland 6,849 people Number of employees by geographical region Abroad 0 people Hong Kong, Macao and Taiwan 0 people Work related fatalities Personal business loan 0 people Services for inclusive Number of personal business loan households 18.95 10,000 households finance Allocation of community and administrative village institutions (Changshu) 341 PCS Male employees 46.55 % Percentage of employees trained by gender Female employees 53.45 % Family information filing 167.45 10,000 people Family covered by family information filing 84.9 10,000 households Agriculture-related loans Village bank 31 PCS Village bank service outlets 168 PCS Services for rural Inclusive financial service outlet 238 PCS vitalization Light outlets 95 PCS Senior management 1.07 % Percentage of employees trained 1,151.19 100 million yuan Middle management 8.25 % by employee category Junior employees 90.68 % Male employees 65.66 hours Total hours of training per person, by gender Female employees 66.49 hours Serving rural settlement account 40.87 10,000 households Re-loan for supporting agriculture and small and micro enterprises 52 100 million yuan Direct greenhouse gas emissions 1,601.81 tCO₂e Indirect greenhouse gas emissions 18,156.20 tCO₂e Total gasoline consumption by owned vehicles 608,831.90 L Total gas consumption 123,752 m³ Senior management 34.54 hours Total hours of training per person, by employee category Middle management 67.08 hours Junior employees 66.38 hours Total number of suppliers for centralized procurement Supply chain management 245 PCS Environmental Number of suppliers that passed environmental and social audits 171 PCS management Total electricity consumption 31,104,679 kWh Effective complaint handling rate 100 % Total energy consumption 4,641.31 tce Products and Services Complaint handling satisfaction rate 98 % Total water consumption 174,663 Tons Amount of paper saved by paperless billing 2.4 Tons Total public welfare investment 672.51 10,000 yuan Total number of employees 6,849 people University students scholarship donation 110.08 10,000 yuan Managements 638 people Community public welfare Number of employees by employment type Total value of the donated facility 130.87 10,000 yuan Employees 5,912 people Dispatched employees 299 people Supporting the sale of agricultural products Employee responsibility Male employees 3,188 people Number of employees by gender Female employees Special credit funds for fighting COVID-19 3,661 people Under 30 years old 3,478 people Fighting COVID-19 Special credit funds for resumption of work and production 396.70 10,000 yuan 18.06 100 million yuan 117.47 100 million yuan Number of employees by age group 31-50 years old 3,136 people Above 50 years old Products launched to help resume work and production 16 PCS 235 people#3769 2021 ESG Report ESG Indicator Index Contents About This Report Executive's Statement Company Culture About Us 业务布局 Our Achievements Recommendations of disclosure of the SSE GRI Standards 102-1, 102-50, 102-52, 102-53 102-14 102-16 102-2, 102-4, 102-6, 102-7 Corporate Governance System Development Guidelines Article 34, 36: Paragraphs 1, 4; Guidelines Article 37, 38, 39: Paragraphs 1, 2,3; Guidelines Article 40, 41: Paragraph 1, 2 102-18 Investor Communication 102-21 Corporate Governance Systematic Risk Prevention 102-15 Party-Led Development 102-18 Business Ethics and Compliance Notice Articles 1, 2 205-1, 205-2, 205-3 Responsible Sourcing Responsibility Management Communication with Stakeholders ESG Management Identification of Material Issues 102-9 102-14, 102-16, 102-20 102-18, 102-40, 102-43 102-42, 102-47, 102-44 UN Sustainable Development Goals 203-2, 413-1 Adhere to inclusive navigation, focus on urban and rural development Serving Rural Revitalization Support the Development of Micro and Small Businesses Deepen Financial Benefits for the People 201-1, 203-1 201-1 201-1 Contents Explore the power of technology to build caring services Drive Technology and Business Integration Activating the Potential of Science and Technology CRCBANK 70 Recommendations of disclosure of the SSE GRI Standards Enhance Customer Experience 418, 416 Safeguard Information Security and User Privacy 301 Green Finance Development Addressing Climate Change, Building a Green Bank Notice Articles 1, 3; Guidelines Article 3: paragraphs¦ 1, 2, 3, 5, 9; Guidelines Article 4: Paragraphs 2 201-2 Adhering to Green Operation Notification 3, 5: Paragraph 2; guideline 4: paragraphs 2 302-4, 305-4 Creating Feiyan Culture, Inheriting Social Responsibilities Key Performance Data ESG Indicator Index Caring for Employees Reader's Feedback Form Financial Education Social Welfare Guidelines Article 25: Paragraph 1,2,3,4,5; Notice Articles 2, 5: Paragraph 1,3; Guidelines Article 4: Paragraphs 1,3 102-8, 401-2, 404-2, 403-1, 403-5, 403-6, 403-7, 403-9 Notice Articles 28, 29 Guidelines Article 25: Paragraph 5 413-1 203-2, 413-1 102-55#3871 2021 ESG Report Reader's Feedback Form Dear reader, Hello! Thank you very much for reading this report during your busy schedule. We look forward to your comments and suggestions on the report and our work. You can send the completed questionnaire through mail or email after scanning. Thank you! Address: 58 New Century Avenue, Changshu City, Jiangsu Province E-mail: [email protected] You can also complete the online questionnaire by scanning the QR code below: 1. What kind of stakeholder does your work unit belong to in CSRC Bank: Shareholders Investors ☐ Employees ☐ Suppliers ☐ Customers ☐ Government | Communities Academic Institutions ☐ Non-profit Organizations ☐ other (please specify) ☐ 2. Does the information you concerned about reflected in the report? Yes Modest ☐ No ☐ . 3. Your overall assessment of the ESG Report 2021: Readability (easy to understand, beautiful design, attractive, easy to find the information you need) ☐ 3 (good) ☐ 2 ( modest) ☐ 1 (poor) Credibility (report information is authentic) | 3 (good) ☐ 2 ( modest) ☐ 1 (poor) ⚫ Information integrity (both positive and negative, and meets your information needs) ☐ 3 (good) ☐ 2 (modest) ☐ 1 ( poor) 4. Can you easily find the information you're concerned with in this report? Yes Modest ☐ No ☐ 5. What else would you like to see in addition to what has been disclosed in the report?