2023-03-23-上交所-江苏常熟农村商业银行股份有限公司2022年社会责任（ESG）报告（英文版）_37页_9mb

报告摘要

Purpose: To fulfill stakeholders' expectations and demonstrate the bank's concept, actions, and achievements in corporate social responsibility (CSR).
Basis: Prepared according to SSE Guidelines, Chinese CSR Report Preparation Guide (CASS-CSR 4.0), UN Sustainable Development Goals, and GRI Standards.
Time Range: January 1 to December 31, 2022.
Scope: Covers Jiangsu Changshu Rural Commercial Bank Co., Ltd., including all branches and subsidiaries.
Cycle: Annual report.
Contact: Board Office, tel: 0512-52909021, fax: 0512-52962000, email: 601128@CRCbank.com.
Address: 58 New Century Avenue, Changshu City, Jiangsu Province.

Leadership: Under CPC leadership, CRC Bank emphasizes shareholders' interests and sustainable development, highlighting stakeholder protection and governance system harmony.
Organizational Structure: Features clear division of labor, checks and balances, and effective coordination among the Shareholders' Meeting, Board of Directors, Board of Supervisors, and senior management.
Risk Management: Includes dynamic risk assessment, capital adequacy stress testing, and liquidity stress testing to ensure financial stability and meet regulatory requirements.
Compliance Culture: Strengthened in 2022 with the launch of "Xiaoyan," a compliance brand, and regular anti-money laundering (AML) practices.
Integrity: Promoted through integrity interviews for promoted managers and the implementation of integrity reward measures.

Financial Inclusion: Improved rural revitalization and micro/small enterprise (MSE) services through digital transformation and inclusive finance.
- Agriculture-related loans reached RMB 134.409 billion yuan (+16.76% YoY).
- Micro/small loans reached RMB 60.831 billion yuan (+8.538 billion YoY).
Innovation: Designed green financial products like the first e-CNY inclusive loan in Suzhou.
Outreach: Supported Changshu's medical insurance "15-minute service circle" and promoted public-benefit services through digital platforms.

Fintech Development: Strategic plan with one core, three key points, five platforms, and two major supports achieved significant results.
Infrastructure: Investment in technological talent increased R&D expenditure to CNY 314 million (up 24.6% YoY).
Systems: Obtained ISO27001, ISO20000, and CMMI Level 3 certifications for information security, IT service management, and software process capability.
Customer Experience: Mobile banking upgrades, smart service scenarios, and digital platforms like Haitang Shop enhanced accessibility and convenience.

Green Finance: Green credit balance reached RMB 22.76 billion (+20% YoY), supporting carbon neutrality goals.
ESG Practices: Implemented green operations with reduced energy consumption and achieved "Zero-Carbon Branch" pilot programs.
Social Responsibility: Total public welfare investment of RMB 8.768 million, supporting education, medical, and poverty alleviation initiatives.
Community Investment: Launched projects like the Feiyan Scholarship Program and sustained community welfare support.

Loan Growth: Total loans increased from RMB 162.797 billion (2021) to RMB 1,934.33 billion (2022).
CSR Activities: Effective complaint handling rate (100%), training hours per employee (58.61 hours), and paper saved by digital transformation (approx. 63 tons).
Financial Metrics: Green credit balance (RMB 22.76 billion), total public welfare investment (RMB 876,840), and micro/small loan balance (RMB 60.83 billion).

Material Issues: Addressed through stakeholder communication and feedback mechanisms.
ESG Disclosures: Complied with GRI and SSE guidelines to enhance transparency and credibility.
Stakeholder Interaction: Engaged with shareholders, customers, employees, suppliers, communities, and government entities to meet diverse needs.
Reader Feedback: Invited feedback on the report via email and questionnaire to improve CSR practices.

Stakeholder Identification: Questions to identify the reader's stakeholder category (e.g., employees, customers, government).
Information Assessment: Evaluation of whether the report reflects relevant concerns and provides comprehensive information.
Rating Scale: Rate on readability, credibility, integrity, and ease of finding information.
Additional Suggestions: Open-ended question to gather further input on improving CSR reporting and practices.

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