CONTENTS

About this Report 001 Governance01 Environmental SocialMessage 003 Safeguarding Development for Long-Term Cultivating Agriculture Rura0l Areas2 and Cultivating a Foundation of 0Respon3sibility

About Changshu Rural Commercial Bank 005 Success Farmers for Rural Revitalization Promoting Long-term Harmony

Sustainability Management 010

Upholding Party-Building 037 Environmental Spotlight

Financial Responsibility Assurance 111

Spotlight Improving Governance Structure 041 Cultivating Agriculture Rural Areas and 081

Farmers for Rural Revitalization Protecting Customer Rights 133

Taking the Five Initiatives to Embark on a 017 Strengthening Internal Control and 047

Supplier Management

New Journey of Serving the Real Economy Compliance 143Enhancing Environmental Management 091

Digital & Intelligent Development 063 Safety Management 145

Inclusive Finance 018 Climate Change Response 092

Staff Management 154

Adhering to Business Ethics 073

Technology Finance 019 Green Investing and Financing 098

Social Contribution 169

Digital Finance 021 Coordination of Interests of All Parties 077 Taking Green Actions 102

Pension Finance 027

Green Finance 029

Appendix I： Index of Indicator 175

Appendix II： Feedback Form 177About this Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report About this Report

About this Report

Introduction Basis of Preparation

This is the fifth Environmental Social and Governance (ESG) Report issued by Changshu Rural Commercial Bank Co. This Report primarily references the Guide No.4 for Self-Regulatory Supervision on Listed Companies of the SSE —

Ltd. to disclose and demonstrate its ESG performance to stakeholders. The Company’s Board of Directors has reviewed Compilation of Sustainable Development Reports (Revised in 2026) Guidelines No. 14 of Shanghai Stock Exchange

and approved this Report and is responsible for the authenticity and validity of the information contained herein. for Self-Regulation of Listed Companies—Sustainability Report (Trial) and the People’s Bank of China’s Guidelines

for Environmental Information Disclosure by Financial Institutions. It also draws on both international and domestic

frameworks including the United Nations Sustainable Development Goals (SDGs) and the Sustainability Reporting

Standards (GRI Standards) published by the Global Reporting Initiative (GRI). The Report is prepared with a focus on

industry context and emphasizes corporate characteristics ensuring alignment with ESG (Environmental Social and

Timeframe Governance) principles sustainability practices and social responsibility standards.The period covered by this Report is from January 1 2025 to December 31 2025 unless otherwise specified. Some

information has exceeded the said period to ensure the completeness of this Report. Abbreviations

In this report “Changshu Rural Commercial Bank” “the Bank” “our Bank” and “the entire Bank” all refer to Jiangsu

Changshu Rural Commercial Bank Co. Ltd.Reporting Scope

Unless otherwise specified this Report is about the Changshu Rural Commercial Bank Co. Ltd. and covers its

headquarters branches and its subsidiary investment management institutions a scope that is identical to the scope of Report Publication

its consolidated financial statements. Any deviation from the said scope will be stated in the Report.The Report is published in electronic version. You can download the electronic version from the Shanghai Stock

Exchange website (www.sse.com.cn) and our Bank’s official website (www.csrcbank.com).Data Sources

Reader Feedback

All information and data used in this Report are from materials made public by governmental agencies and the formal

documents and disclosures of Changshu Rural Commercial Bank. All financial data referenced in this Report are subject To continuously raise the level of the Company’s ESG management and enhance the quality of ESG information

to the annual report and other data are from internal statistics of Changshu Rural Commercial Bank. All monetary disclosure we would like to solicit opinions from readers for this report (as detailed in Appendix II “Feedback Form”) and

amounts are expressed in Renminbi (RMB) unless otherwise stated. send opinions to us at 601128@csrcbank.com.

001 002Message Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Message

Message

design and establishing a modern corporate governance Caring for the Need to Deliver a Happy Life for the People

framework characterized by clearly defined responsibilities

efficient operations and effective checks and balances. People-oriented values unite us as one. Changshu Rural

This approach has laid a solid foundation for the Bank’s Commercial Bank regards employee development as its

stable and sustainable development. The Bank places great most valuable asset prioritizes talent pipeline development

importance on investor relations management and follows a and employee support and establishes fair and transparent“ two-way communication strategy of actively reaching out and career advancement pathways to foster a strong environment Amid towering mountains the main peak stands prominent; with a mighty wind a new proactively engaging. It ensures that information disclosure for professional growth. The Bank also actively responds to journey begins. In 2025 the 14th Five-Year Plan reached a successful conclusion marking is truthful accurate and complete thereby earning broad public welfare and philanthropic initiatives deepens community recognition from the capital market through a high level of engagement and directs support to vulnerable groups and to a pivotal year for Changshu Rural Commercial Bank as it advanced steadily along the path transparency. In 2025 the Bank disclosed 91 announcements sectors such as education science culture and health therebyof high-quality development. Confronting a complex and volatile external environment and in compliance with laws and regulations and hosted 63 rounds ensuring that the benefi ts of corporate development are shared

a profoundly transformed industry landscape we remained mindful of the nation’s highest of institutional investor visits covering 262 institutions which more broadly. In 2025 the Bank allocated substantial resources

priorities upheld our core positioning of Inclusive Finance Responsible Bank and stayed demonstrates the consistency of its information disclosure and to public welfare initiatives and organized a range of cultural

committed to the political and people-centered nature of financial services. We assumed investor communication efforts. At the same time the Bank and sports activities for employees. It also continued to improve

substantial responsibilities in supporting rural revitalization and the real economy thereby has continued to strengthen internal control and compliance compensation and benefits as well as physical and mental

management closely integrating risk prevention with business

delivering sustainable development performance that meets the expectations of the times health support mechanisms strengthening organizational

development and has received multiple industry governance cohesion and fostering a harmonious supportive and

our customers and our shareholders. awards. progressive workplace culture.Adhering to Digital & Intelligent-driven Development to Where there is a will there is a way. As we enter 2026 the

Reshape Innovative Growth inaugural year of the 15th Five-Year Plan (2026–2030)

Changshu Rural Commercial Bank will uphold its strategic

Under the background of a surging digital economy and the resolve and advance with unwavering determination. We will

accelerated evolution of AI technologies Changshu Rural remain committed to inclusive fi nance embed green principles

Five Financial Initiatives Powering Steady and Long-Term significantly improved financial accessibility and customer

Commercial Bank adheres to its core "12345" development into our operations and prioritize higher quality and greater

Economic Growth satisfaction for agricultural entities and micro small and

strategy. By seizing the historic opportunities brought by efficiency. Through these efforts we aim to make a more

medium-sized enterprises. In accelerating digital transformation

the rapid advancement of fintech the Bank has integrated signifi cant contribution to advancing Chinese modernization in

This year we pursued intensive development and systematic we developed intelligent service platforms deepened the comprehensive digital transformation with in-depth application Jiangsu Province.planning making solid progress in advancing the fi ve initiatives application of smart marketing tools and substantially improved of AI as its intelligence-driven engine for "building a strong

consisting of technology finance green finance inclusive operational effi ciency and customer experience. Committed to bank through technology". Rather than merely superimposing

finance pension finance and digital finance. With a focus respecting and caring for older adults we optimized age-friendly technological applications the Bank is committed to deeply

on technological empowerment we established a distinctive service mechanisms and extended convenient reassuring reshaping its operational logic and management paradigm with

technology finance brand and fostered a new collaborative financial services through warm and accessible measures digital intelligence thinking and systematically establishing

ecosystem for technology and innovation fi nance characterized across multiple channels and scenarios thereby further the "Four Growth Engines" centering on customers products

by cooperation among government banks industrial parks demonstrating the human-centered value of fi nance. personnel efficiency and projects. It has comprehensively

and investors. This approach provided targeted support for the reshaped a customer-centric service ecosystem with digital

growth and expansion of technology enterprises. Adhering to Prudent Judgment and Insightful Decision-Making Forging intelligence capabilities striving for higher quality and deeper

a green development orientation we continued to expand the a Modern Benchmark in Governance progress in serving the real economy enhancing governance

supply of green financial products directed resources toward effi ciency and achieving sustainable development. With digital

key sectors such as clean energy and ecological agriculture and Good governance depends on sound planning and is achieved intelligence initiatives the Bank responds more swiftly to

supported the comprehensive green transformation of economic through strong compliance. Changshu Rural Commercial Changshu Rural Commercial Bank Co. Ltdnational industrial policy guidance and residents' aspirations for

and social development. Grounded in inclusive finance we Bank has thoroughly aligned itself with the strategic objective a better life providing more precise greener and more inclusive Deputy Secretary of the Party Committee of

promoted the integration of on-site credit assessment and of improving a modern enterprise system with Chinese fi nancial solutions to align commercial value with social value. Changshu Rural Commercial Bank

remote due diligence expanded our service network and characteristics integrating ESG governance into its top-level

003004“About Changshu Rural Commercial Bank Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report About Changshu Rural Commercial BankAbout Changshu Rural

n Ii nc-W F luin in siv

Commercial Bank W eCreate Value for anc eCustomers

Changshu Rural Vision

Bank Overview Commercial Bank Co. Ltd Rural Finance Leader

Corporate Cultural Mission

Small Loans with Great

Jiangsu Changshu Rural Commercial Bank Co. Ltd. was established on November 28 2001 through joint-stock Make Responsibility Sustaining a

Better Life Grow Together

restructuring. With over 60 years of history it is one of the fi rst joint-stock rural fi nancial institutions in China. The Bank Contributions to with Employees

Society

was listed on the Shanghai Stock Exchange on September 30 2016 (Stock Code: 601128). According to the latest

rankings by Brand Finance and the UK’s Banker magazine Changshu Rural Commercial Bank has been included in the Endeav atism

list of Top 500 Banking Brands and the Top 1000 World Banks both ranking among the Top 400. or Pragm

Pioneer in Rural Finance Reform Trailblazer in the Capital Market

Guided by the spirit of exploration characterized by a daring attitude of daring to Thanks to its diff erentiated market positioning the Bank’s microfi nance off erings have

venture daring to experiment and daring to act Changshu Rural Commercial Bank has garnered signifi cant investor interest placing its stock valuation among the industry’s

emerged as a trailblazer in China’s restructuring of rural fi nance institutions. As one top tier. It was the fi rst listed rural commercial bank to issue convertible bonds and

of the fi rst rural small and medium-sized fi nancial institutions in the country the Bank successfully convert them into shares. For seven consecutive years it has ranked fi rst

took the lead in welcoming the Bank of Communications as a strategic investor and its among county-level rural commercial banks in the GYROSCOPE Evaluation System

largest shareholder while also investing in seven other rural fi nancial institutions. By and has received an A rating in the Shanghai Stock Exchange’s information disclosure

the end of December 2025 Changshu Rural Commercial Bank including its country evaluation for seven straight years.banks reported total assets of 403.079 billion RMB total deposits of 308.273 billion

RMB and total loans of 256.195 billion RMB.Explorer in Country Banks

Dedicated Advocate of Microfi nance

Grounded in the exploration and practice of inclusive fi nance the Bank focuses on

In 2009 the Bank established a divisional microfinance institution creating a developing country banks to replicate and promote the Changshu Rural Commercial

professional replicable and industry-leading core technology for microcredit. It has Bank Microfinance Model. In September 2019 it launched the first investment

since served over 584500 loan customers. Notably more than 60% of total loans management-style country bank in Haikou Hainan Province overseeing the

are allocated to support micro and small businesses over 70% are directed toward centralized management of 25 Xingfu Country Banks across six provinces: Yunnan

agriculture-related sectors and nearly 80% are invested in the real economy. Hubei Jiangsu Henan Hainan and Guangdong.

005006

Integrit

y

InnovationAbout Changshu Rural Commercial Bank Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report About Changshu Rural Commercial Bank

History Timelines

2022

The acquisition of our first country

bank has been successfully fi nalized.On October 28 Zhuhai Xiangzhou

2008 Xingfu Country Bank offi cially opened

for business.A microcredit project team comprising 10

members has been formed and we have 2023

introduced IPC technology from Germany to 2016

explore avenues for inclusive fi nance. In January the Group’s total assets

surpassed 300 billion RMB.

2001 I n S e p t e m b e r t h e B a n k In December we inaugurated our fi rst branch successfully debuted on the

outside of Changshu the Haimen Sub- A-share main board under the

In November Changshu Rural Commercial branch in Nantong City. 2024stock code 601128.Bank offi cially opened becoming the fi rst in the

country to complete the shareholding structure 2013 In December the Bank successfully

reform. 2019 completed i ts f i rs t merger and

Significant progress has been made in acquisition of a country bank and

2007 establishing a network of country banks. In September the nation’s first

established new branches.Recently Tangyin Country Bank in Henan investment-management country 2025

Yiyang Coun t r y Bank i n Henan and bank was established in Haikou

In August the Xianfeng Country Bank was

Dangyang Country Bank in Hubei have all Hainan.established in Xianfeng County located in the

been successfully launched. In June Nanjing Jiangning Branch

Enshi Tujia and Miao Autonomous Prefecture of was offi cially inaugurated marking the

Hubei Province. 20202014 breakthrough in Nanjing the capital of

Jiangsu Province.In December the Bank made history by becoming In December the Group’s total

the first rural small and medium-sized financial In August the Bank’s fi rst branch was opened assets surpassed 200 bill ion In June the Group’s total assets

institution in the country to successfully bring on in Yancheng. RMB. exceed RMB 400 billion.board the Bank of Communications as a strategic

investor. In December the Group’s total assets In December Suzhou Financial Salon

surpassed 100 billion RMB. was offi cially opened.

007 008About Changshu Rural Commercial Bank Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Sustainability Management

Honors and Awards Sustainability Management

Honor 368th in the Top 1000 World Banks 2025

Awarding Authority The Banker ESG Governance

Honor 362nd in the Top 500 Banking Brands 2025 Changshu Rural Commercial Bank has implemented a three-tier governance structure for sustainability comprising

Awarding Authority Brand Finance oversight by the Board of Directors and its specialized committees strategic direction from senior management and

operational execution by functional departments. This framework distinctly delineates the responsibilities of each entity

regarding corporate social responsibility. The bank eff ectively promotes its sustainability philosophy and commitments to

Honor 75th in the Top 100 Chinese Banks 2025 stakeholders through a systematic optimization and enhancement of its mechanisms.Awarding Authority China Banking Association

Changshu Rural Commercial Bank Governance Structure for Sustainability

Honor First Place in the Comprehensive Score of County-Level rural Commercial Banks

under the 2025 GYROSCOPE Evaluation System

Board and its special committees

Awarding Authority China Banking Association Decision-

making Reviewing sustainability strategies formulating sustainability policies and

deliberating on the sustainability report.Honor Grade A in the 2024–2025 Information

Disclosure Work Evaluation

Awarding Authority Shanghai Stock Exchange Senior management

Management Advancing governance in sustainable development clarifying strategic plans

Honor 2025 Tianji Award for Banks with enhancing systems for implementation and rigorously evaluating the eff ectiveness

Regional Impact

of various initiatives.Awarding Authority Securities Times

Honor 7th Jiangsu Charity Award – Top Charitable

Donation Unit

Awarding Authority Jiangsu Provincial People's Government Functional departments and branches/outlets

Honor 2024 National Excellent Sponsor Rural Bank The responsibilities include managing specifi c aspects of sustainable development Execution

assisting in the preparation of the sustainability report regularly submitting

Awarding Authority China Rural Bank Development Forum

management measures performance indicators and best practice cases as well

as organizing the implementation of related activities.

009 010Sustainability Management Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Sustainability Management

ESG Strategy ESG was included into credit approval process by the Bank

Our Bank conducts a comprehensive investigation and assessment of the environmental and

Changshu Rural Commercial Bank demonstrates a strong understanding of national and regional strategic directions. social impacts of our customers and their projects understands the historical information current

It fi rmly adheres to its core market positioning which focuses on serving agriculture rural areas farmers and micro Survey status and potential issues of customers' environmental and social risks and timely and accurately marks whether the loan is a "green loan" in the credit system. It also focuses on strengthening

and small enterprises. Consequently the Bank has developed a comprehensive blueprint for sustainable development. the investigation of the actual pollution discharge of enterprises and the holding status of relevant

We are committed to establishing a distinctive sustainable development model for rural commercial banks ensuring permits and certifi cates.synchronized improvements in operational performance environmental stewardship and social benefi ts. Our Bank conducts strict compliance review on the necessary conditions for the commencement

of project construction (such as compliance with industrial policies and market access standards

ESG Impacts Opportunities and Risks project approval verifi cation or fi ling procedures etc.) and focuses on whether the approval or

Review verifi cation authority has corresponding authority. The focus covers both the legality of the project commencement procedures and the substantive compliance requirements including that new

Changshu Rural Commercial Bank effectively integrates the management of ESG-related impacts risks and projects must comply with national industrial policies and development trends and the project

opportunities into its internal management system. It systematically evaluates their potential material effects on the environmental assessment must be consistent with the overall requirements of the planned

business model operations development strategy fi nancial position operating outcomes cash fl ows fi nancing methods environmental assessment.and costs over the short medium and long term. Based on this comprehensive assessment the Bank formulates Our Bank conducts a comprehensive judgment by combining the overall project risks and

targeted response strategies and implements concrete actions to enhance its capacity for sustainable development and Approval favorable factors including environmental and social impacts proposes the fi nal loan plan and determines reasonable effective and operable loan disbursement conditions and management

corporate resilience. requirements.For customers with changes during the credit granting period (such as downgraded environmental

Management Process for ESG-Related Impacts Risks and Opportunities rating revoked relevant business qualifications and unimplemented rectification of relevant

penalties imposed by environmental protection departments) our Bank requires them to

Identifi cation and Assessment Post-loan implement rectification and timely adjusts the credit granting plan based on actual conditions mainly including terminating or temporarily suspending the credit limit recovering loans in

In alignment with contemporary policies on sustainable development industry dynamics stakeholder engagement advance optimizing guarantee methods and formulating repayment plans for implementation of

and its operational framework the Bank systematically identifies key topics across environmental social and downward adjustments etc.governance (ESG) dimensions. Employing a dual-materiality analysis the Bank prioritizes these issues and

delineates material issues thereby identifying signifi cant impacts risks and opportunities that necessitate focused

attention and management. For further details please refer to the section on Material Issue Analysis.ESG Metrics and Targets

Monitoring and Management Changshu Rural Commercial Bank has established sustainable development metrics and targets that refl ect its strong

commitment to environmental protection social value creation and governance enhancement. These frameworks

The Bank eff ectively monitors and manages its impacts risks and opportunities by establishing comprehensive management provide clear directions and measurable pathways for the Bank’s continued development.systems clarifying monitoring procedures and implementing robust control measures.Risk Management: The Bank integrates identifi ed material risks—such as credit risk compliance risk and reputational risk—into

its enterprise-wide risk management framework ensuring a cohesive approach to risk oversight. Environmental Social Governance

Opportunity Management: Material opportunities particularly those arising from the green transition and digital transformation

are seamlessly incorporated into the Bank’s strategic business planning. Higher proportion of Deeper inclusive fi nance ESG structure improvement

Impact Management: The Bank takes a proactive stance in preventing and mitigating negative impacts through the formulation green credit Customer rights and data Transparency and

of rigorous risk management policies the application of stringent credit underwriting criteria and the establishment of eff ective Lower carbon emissions security information disclosure

communication and complaint mechanisms. Additionally it actively promotes and amplifi es positive impacts by directing fund

flows developing specialized products and effectively capturing and communicating the social and environmental benefits in own operations Employee development

achieved across key sectors.Development of climate and diversity & inclusion

To maintain alignment with strategic management and business objectives the Bank implements a hierarchical objective system

that tracks and adjusts progress while setting key performance indicators (KPIs) to ensure eff ective execution and performance risk management

evaluation. mechanisms

011 012Sustainability Management Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Sustainability Management

While focusing on its own high-quality development Changshu Rural Commercial Bank attaches importance to the

Stakeholder Communications legitimate rights and interests of stakeholders and strives to understand and actively respond to their expectations and

demands.Governmental and Employees Shareholders and regulatory authorities Investors Customers Suppliers Media and Community

Compliant operations and risk

control Eff ective governance mechanisms Employee rights and care Customer communication and services

Climate change response Procedure-based disclosure Supply chain management Social welfare campaigns Employee training and development Customer privacy protection

National strategy alignment Smooth communication channels Cooperation with integrity Community relationship buildingEmployee health and safety Customer rights protection

Local development support Sustained investment returns

Governance and risk control

Lawful tax payments Customer satisfaction survey Improving management policiesWorker Congress Routine reporting and interim

Green fi nance announcements

Employee training and promotion Customer feedback mechanism

Better procurement policies Diverse -channel communication

Implementation of national policies Investor discussions/email/phone improvement Adherent to bidding procedures Community activity participation

Employee care and activities calls

Assuming social responsibilities Better customer complaint handling Lawful contract performance

Continuous performance delivery

013014

Stakeholder Expectations and Channel and

Demands ResponseSustainability Management Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Sustainability Management

Material Issue Analysis Results of Material Issue Determination

Changshu Rural Commercial Bank is steadfast in enhancing its identification and management of material issues. *ESG Materiality Matrix

By conducting thorough policy trend analyses and industry benchmarking along with considering both impact and

financial materiality the Bank actively engages stakeholders through electronic questionnaires and other methods.This comprehensive approach allows it to eff ectively identify relevant topics guiding the Bank’s targeted eff orts toward

advancing sustainable development. Climate change response

Corporate governance

Stakeholder communications Information security and customer privacy

Employee responsibility

Material Issue Determination Process Resource utilization ESG managementSupply chain security Technology ethnics

Equal treatment of small

Circular economy

and medium enterprises

Rural revitalization Anti-bribery and anti-corruption

By referencing the core indicators outlined in both domestic and international ESG reporting Digital transformation Risk control Social contribution and compliance

guidelines—such as the Guide No.4 for Self-Regulatory Supervision on Listed Companies Fair competition

Product & service safety and quality Anti-money laundering

Identify of the SSE — Compilation of Sustainable Development Reports (Revised in 2026) and Waste management Due Diligence Pollutant management

Guidelines No. 14 of Shanghai Stock Exchange for Self-Regulation of Listed Companies—

Environmental compliance

Sustainability Report (Trial) and Sustainability Reporting Standards (GRI Standards)—the Ecosystem and Innovation driven

Bank systematically identified key ESG issues in relation to national policies and industry biodiversity

characteristics.Financial Materiality

We executed a dual-materiality survey on ESG issues among stakeholders using online Environmental Social Governance

questionnaires. The survey results facilitated a quantitative analysis and issue prioritization Assess

enabling us to assess the impact materiality and fi nancial materiality of each issue eff ectively.*ESG Materiality List

1 Climate change response 9 Anti-bribery and anti-corruption 17 Supply chain security

2 Information security and customer 10 Anti-money laundering 18 Innovation driven

privacy

11 Stakeholder communications 19 Rural revitalization

3 ESG management

12 Technology ethnics 20 Due Diligence

4 Corporate governance

13 Pollutant management 21 Social contribution

5 Equal treatment of small and

14 Circular economy 22 Product & service safety and medium enterprises

quality

6 15 Digital transformationResource utilization

23 Environmental compliance

16 Fair competition7 Employee responsibility

24 Waste management

8 Risk control and compliance

25 Ecosystem and biodiversity

015016

Impact MaterialitySpotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Taking the Five Initiatives to Inclusive Finance

Spotlight Embark on a New Journey of Changshu Rural Commercial Bank is committed to advancing the real economy by prioritizing support for micro

Serving the Real Economy and small enterprises. The Bank offers single-borrower credit facilities of up to RMB 10 million ensuring that fi nancial resources are accessible to those who need them most. By strategically deepening its engagement within

local micro and small enterprise clusters and specialized markets the Bank optimizes access conditions to better

serve its clientele. Embracing a business philosophy centered around going smaller going deeper going credit-

based and going digital the Bank is fi rmly rooted in the county-level economy. This targeted approach enables

Leveraging its geographical advantages and unique business characteristics Changshu Rural Commercial Bank the provision of tailored fi nancial solutions for diverse customer segments. Additionally the Bank is enhancing

actively implements national strategic initiatives aimed at fostering high-quality fi nancial development. The Bank support for credit loans to micro enterprises and individual businesses with strong growth potential and solid

systematically advances the strategic framework of the Five Areas of Finance with a core emphasis on inclusive creditworthiness thereby eff ectively bolstering their operational stability and promoting sustainable development.fi nance. It diligently enhances services tailored to micro and small enterprises agriculture rural communities and By the end of 2025

farmers while reinforcing its primary responsibility to support the real economy. In addition the Bank strategically

develops technology finance to empower the growth of innovative science and technology enterprises. It Number of Micro Amount of Credit Facilities Number of Inclusive and Small Enterprise Extended to Micro and Small Finance Service Outlets

robustly promotes green fi nance to facilitate the attainment of China’s Dual Carbon goals. Furthermore the Bank Customers Supported Enterprises (RMB 100 million)

proactively plans for pension fi nance catering to diverse and comprehensive life-cycle pension security needs.Accelerating the digital transformation of its financial services the Bank utilizes technology to drive product 218522 1065 49

innovation optimize processes and enhance risk management. Ultimately Changshu Rural Commercial Bank

is dedicated to establishing a distinctive and sustainable modern financial service system that demonstrates The Bank has implemented an innovative On-site Credit Approval model that incorporates Remote Due Diligence

regional leadership thereby injecting signifi cant fi nancial momentum into the high-quality development of the capabilities specifi cally for micro and small enterprises. This model streamlines the application process through a

prioritized green channel allowing small loans to be assessed and approved on-site with approval notices issued

local economy and promoting common prosperity. immediately upon departure from the client’s location. Consequently this initiative reduces operational time for

account managers by over four hours decreases credit processing time by more than six hours and enhances

2025 Honors Related to the Five Initiatives overall business effi ciency by 50%.

2025 Outstanding Contribution

Outstanding Unit in Digital AI+ Pioneer Enterprise Leading the In 2025 the Bank introduced the Lexiang Loan product to eff ectively address the fi nancial needs of inclusive Award for Payment Service

RMB Pilot Program Future fi nance customer segments catering to both production and business operations as well as daily consumption. Optimization This innovative product encompasses a diverse range of customer profi les. Beyond catering to micro and small

enterprise owners and individual businesses it extends credit support to non-traditional customer segments.Suzhou Digital RMB Promotion China UnionPay Jiangsu Changshu Municipal Development Therefore small business groups—including street vendors mobile traders small farmers and those within

Leading Group Branch and Reform Commission fl exible employment—are all eligible to apply.Lexiang Loan Provides Precise Support to Micro and Individual Businesses RMB 100000

Provincial Rural Commercial Banks New Quality

Outstanding Organizer of Jiangsu Financial Industry CaseProductive Forces Youth Innovation - Data Modeling Quick Loan Resolves Urgent Needs of Renovation Business Owner

Digital Transformation Employee Skills Competition Competition (Third Prize in Digital Risk Control)

Mr. Pan a customer involved in the renovation industry in Yangzhou faced signifi cant challenges this

Jiangsu Financial Trade Union Jiangsu Rural Commercial United Bank year due to adverse conditions in the real estate sector leading to suboptimal accounts receivable

collections and a consequent tightening of capital. When he sought a loan from a large state-owned

2025 Digital Bank - Light of Excellence:

2025 Golden Hazelnut Award for Overseas bank his attempts were unsuccessful primarily due to the modest scale of his business and reliance

Outstanding Case for Inclusive Mobile Banking

Excellent Green Finance

Practice on WeChat transfers for transactions. However during an on-site marketing visit the Bank’s account

manager identifi ed Mr. Pan’s funding requirements and recommended the Enjoy Loan product. The

Cailianshe & China (Shanghai) Pilot Free Trade

CFCA Electronic Banking Bank effi ciently processed a RMB 100000 loan disbursed on the same day eff ectively addressing

Zone Administration Lujiazui Bureau Mr. Pan’s working capital concerns. He is now consistently making repayments.

017 018Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Case Shengyi Loan Resolves Early-Stage Business Challenges

In response to the national strategic initiatives aimed at bolstering high-quality development Changshu Rural

Mr. Ren a client of Changshu Rural Commercial Bank operates a family farm in Chengwu Town Commercial Bank leverages its competitive advantages in micro and small business finance alongside its

Jurong City. Earlier in his career he acquired cultivation techniques for Qiuyue Pears while working operational capabilities as a medium-sized bank. The institution has established the strategic positioning of

outside his hometown. However due to his wife’s illness and the responsibility of caring for their Changshu Rural Commercial Bank Micro-Venture Capital (Changyin Micro-VC) within the realm of technology

children he returned home to establish a fruit tree business. Confronted with a lack of funds for initial fi nance. By cultivating unique expertise in its First Innovation First Loan off erings the Bank eff ectively targets early-

land reclamation Mr. Ren received valuable assistance when a bank account manager visited him stage customer segments marked by technological originality thereby positioning itself as a leading provider of fi rst-

learned about his challenges and facilitated a RMB 150000 Shengyi Loan to address his startup time lending services. Embracing the ethos of Two Commitments Two Innovations—Dedication and Determination

capital needs. As a result the orchard is now thriving significantly enhancing the family’s living Innovation and Creation—the Bank partners with enterprises on their developmental trajectories off ering a range of

standards. This case exemplifi es how inclusive fi nance not only supports agricultural ventures but diversifi ed fi nancial services throughout the entire lifecycle of technology fi rms. This approach solidifi es Changshu

also empowers rural households to realize their entrepreneurial aspirations and build wealth. Rural Commercial Bank’s distinctive brand within the technology fi nance sector.Changyin Micro VC Architecture Implements the Bank’s “12345” Development Strategy

Technology Finance

Changshu Rural Commercial Bank is strategically committed to advancing technology and innovation finance by

establishing a specialized service system. Informed by extensive industrial research the Bank has developed the 01 Uphold One Original Aspiration: Serving Micro and

Implementation Plan for High-Quality Development of Technology and Innovation Finance during the 15th Five-Year Small Enterprises

Plan Period. By off ering exclusive fi nancial products and tailored services the Bank eff ectively meets the distinct needs

of high-tech enterprises directing dedicated credit resources to stimulate innovation. Moreover the Bank fortifies Adhere to Two Principles: Operability inside the Bank

collaborative partnerships with governmental agencies industrial parks and venture capital fi rms to cultivate a robust 02

technology and innovation ecosystem. This initiative promotes an integrated model of fi nancial services characterized and Sustainability Outside the Bank

by cohesive coordination among government bank park and investment stakeholders. This comprehensive approach

signifi cantly enhances the growth and development of technology enterprises. 03 Adhere to Three Strategies: Diff erentiated Competition

Independent Management and Integrated Head-offi ce

The Bank strategically targets key high-tech industrial chains including sectors such as new energy new materials & Branch Collaboration

aerospace the low-altitude economy quantum technology hydrogen and nuclear fusion energy and Embodied AI. It

fosters collaborative engagement among government entities industry stakeholders academic institutions research 04 Serve Four Categories of Customer Groups: Large-

organizations and the banking sector to facilitate a virtuous cycle that connects Technology-Industry-Finance. The scale Tech-oriented Enterprises Small-scale Sci-tech

Bank is leading a transformation of its services from traditional fi nancing to a more integrated fi nancing plus intelligence

integration approach. This shift aligns with macroeconomic trends in industrial upgrading and transformation thereby Enterprises High-value Sci-tech Enterprises and

injecting robust momentum into high-quality development. Furthermore the Bank is committed to establishing itself as a Cultural and Creative Enterprises

benchmark for technology and innovation fi nancial services among county-level banks.Build a Sci-tech Innovation Ecological System with

Technology Finance Development Plan & Objectives of Changshu Rural Commercial Bank 05

the "Five-in-One" Structure Composed of Government

Departments Equity Investment Institutions Industrial

Further adjust the FTP pricing Cultivate a team of Implement separate Parks Sci-tech Service Intermediaries and Upstream

and interest rate authorization specialized customer management for and Downstream Partners of the Industrial Chain with

for technology and innovation managers for technology technology and innovation Independent Management as the Goal

loans and innovation fi nance fi nancial business

019 020Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

By the end of December 2025 the Bank’s technology enterprise By the end of December 2025 New Digital Ecological Services Launched in 2025

loan portfolio comprised over 2300 borrowers with outstanding loan

balances exceeding RMB 15.6 billion. More than 350 technology Outstanding Loan Balance

enterprises have secured investments from market-oriented equity to Technology Enterprises Launched one-click third-party payment binding feature on mobile banking mini-programs

investment institutions highlighting their robust potential in the capital (RMB 100 million) VTM/STM terminals

market. Through integrated sign-up one-click card binding including WeChat Pay Alipay Pinduoduo Douyin

156 JD.com and other payment platforms the original manual card binding time is reduced from 3 minutes

to seconds enhancing user experience.Case Supporting the Development of a Specialized Medical Food Enterprise

Independently developed corporate mobile banking HarmonyOS application

An enterprise in Wuxi City stands as the fi rst domestically funded specialized medical food (FSMP) We have thoroughly mastered the domestically developed ArkTS language technology and created

company occupying a leading position within the emerging FSMP sector. The Bank extended RMB 3 a native HarmonyOS application entirely through our own efforts resulting in approximately RMB

million in credit facilities to this enterprise. Through comprehensive research the Bank identifi ed that 360000 in savings on research and development costs.the enterprise’s online mall depended on third-party payment settlement which incurred substantial

transaction fees of 3%. In response various departments within the Bank collaborated to develop an

integrated Credit + Payment Collection solution geared toward fostering technology and innovation. Enhanced the Community Steward mini-program

Specifi cally we helped the client connect to our acquiring system and reduce the service fee to 2% The wellness and rehabilitation module encompassing services such as physical therapy and

resulting in a 1% savings per transaction and clearly quantifying the cost advantage through data. In massage alongside pension courses like yoga has been successfully launched to deliver users a

addition integrating acquiring scenarios enables the client to monitor cash fl ow in real time. comprehensive range of non-fi nancial services.Digital Finance New Digital Scenario Services Launched in 2025

Changshu Rural Commercial Bank embraces integration digitalization and ecological principles as its core

guiding tenets. By harmonizing business with data technology and operational processes the Bank eff ectively We have developed a diff erentiated fund-splitting model that is adaptable to

transcends traditional siloed service models forging a path toward integrated development. Through strategic various scenarios off ering merchants secure compliant fl exible and effi cient

collaborations with technology fi rms and third-party platforms it expands service scenarios enhances application support for fund-splitting transactions. To date six distinct fund-splitting

effi ciency and bolsters operational eff ectiveness thereby embarking on a robust digital transformation journey. scenarios have been implemented resulting in 566 transactions totaling RMB

By implementing an open banking system and fostering cross-sector collaborations the Bank constructs a Intelligent Fund 1.37 million. Additionally we have successfully opened 23 new corporate

comprehensive financial ecosystem confidently pursuing innovative business growth along an ecological Splitting accounts and added 147 new Code Payment merchants.development trajectory.In 2025 the Bank decisively advanced its ecological and scenario-based applications proactively developed

intelligent platforms and promoted the integration of fi nancial and non-fi nancial services embedding technological

solutions throughout daily operations.

021 022Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Intelligent Scenario Cases of Changshu Rural Commercial Bank

Leveraging big data technology to assist foreign trade enterprises in

identifying potential customer segments the Bank off ers a comprehensive

suite of online fi nancial services including international settlement trade

fi nancing foreign exchange transactions and business inquiries. To date

Changyin 10 cross-border enterprises have successfully registered.Cross-Border Search

An advanced management service platform has been established for

housekeeping companies and community services. Currently the platform

hosts fi ve registered merchants has processed 105 orders and acquired

146 new customers.

Smart

Housekeeping

e-Drive Finance offers comprehensive fund Smart Canteen covers more than 220

By the end of 2025

custody services for driver training institutions canteens and serves over 30000

supporting over 100 driving schools and people.Number of Personal Mobile Monthly Active Personal Mobile Number of Visits by Mobile

70000 trainees.

Banking Users by the end of Banking Users in 2025 (10000) Banking Users in 2025 (10000)

2025(10000)

20069130.4

Number of Transactions Processed by Transaction Value Processed by Mobile

Mobile Banking Users in 2025 (10000) Banking Users in 2025 (RMB 10000)

6498.527480106

The Bank’s mobile banking app has surpassed 2 million users reflecting a year-on-year increase of 9.5%. It

achieved a peak monthly active user (MAU) count of 750000 representing a 15.2% rise and facilitated a total

transaction volume of 270 billion yuan. Furthermore the Bank has successfully implemented multi-channel

Ten Changyin self-service machines have The Three Benefi ts platform of Haitang

collaborative outreach through integration with WeCom. By leveraging a robust big data-powered risk control

been deployed facilitating both convenient Shop has successfully registered over

system characterized by precision profi ling and real-time monitoring the Bank ensures the utmost security of its

transactions and eff ective brand promotion. 200000 union members.customers’ funds and information.

023 024Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Case Digital RMB Applications

The Bank has achieved several innovative breakthroughs in the application of digital renminbi. In

the realm of community waste sorting it has collaborated with Qinchuan Subdistrict to launch a

digital renminbi point rewards scheme which spans multiple communities and connects with over

1000 merchants. In the area of cross-border payments the Bank successfully initiated one of

the nation’s first projects utilizing the Multi-CBDC Bridge with a business volume of RMB 10.001

million. This initiative provides an efficient cross-border payment channel for small and medium-

sized foreign trade enterprises. Furthermore in the context of medical payments the Bank

partnered with the municipal Health Commission to integrate 17 township hospitals and 844 medical

insurance-designated institutions across the city into the digital renminbi settlement system with

total transactions surpassing RMB 4.7 billion thereby optimizing the medical payment process.Additionally a digital renminbi demonstration site has been established at the 5A-level Shajiabang

Smart Campus provides convenient solutions for Smart Property supports over 60 property Scenic Area showcasing integrated applications across multiple scenarios.partner schools serving more than 9000 students companies in their digital transformation eff orts.annually.Feiyan Shouyinbao delivers advanced intelligent Smart Auto Life eff ectively integrates a multitude

acquiring services to over 150 merchants. of benefits for vehicle owners boasting a user

base exceeding 6000 individuals.

025 026Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Pension Finance In 2025 the Bank actively promoted the Feiyan Songfu services in rural communities and the Feiyan Songqing series in

urban areas. The Bank executed age-friendly upgrades to 503 ATMs and 270 STMs located at branch outlets. Additionally

Changshu Rural Commercial Bank is strategically positioning itself to capitalize on the reallocation of it introduced a Friendly Version interface alongside dialect-specific customer service. The establishment of 20 inclusive

residents’ wealth in the post-real estate era. The Bank is actively engaging in the pension fi nance sector and is service points and the provision of 308 door-to-door services further exemplify this commitment. Furthermore the Bank

systematically developing a comprehensive fi nancial service system that addresses the full life cycle of pension launched 10 online courses focused on pension fi nance attracting a cumulative total of 9705 individuals. In collaboration

planning. Committed to excellence the Bank aims to provide professional reliable and holistic pension solutions with medical and public welfare institutions such as the China Ageing Development Foundation and the Changshu Pension

that empower customers to achieve secure and sustainable retirement goals. Promotion Association the Bank conducted 149 chronic disease screening sessions eff ectively serving 6708 individuals and

establishing over 3974 household fi les.Pension Finance Development Plan of Changshu Rural Commercial Bank

In the short term we will strategically utilize low-risk products such as insurance as an entry point to effectively

address customers’ demands for stable pension reserves.In the medium to long term we are committed to enhancing our product portfolio by integrating a diverse array of

asset allocation tools. This includes deposits large-sum certifi cates of deposit bank wealth management products

commercial pension insurance health insurance gold and mutual funds.Feiyan Songfu and Feiyan Songqing Pension Finance Course Cooperating with Medical and

The Retail Banking Department of the Bank serves as the primary unit for pension finance establishing a robust cross- Series Services Delivery Public Welfare Institutions to

Provide Bone Density Testing

departmental coordination mechanism. Initiatives such as pension benefits deposited onto cards and enhancements for

social security card customers are integrated into core performance assessments thereby creating a dual safeguard system

encompassing both strategy and evaluation. Case Promoting Elderly Care Services through Projects under the China Aging Development Foundation

By the end of 2025

The Bank has actively collaborated with initiatives under the China Aging Development Foundation to

enhance elderly care services. To begin the Bank has established public service stations as part of the Senior

Cumulative Social Security Number of Female Clients Number of Male Clients Aged Rehabilitation Project and launched a province-wide free arteriosclerosis screening program aimed at one million

Cards Issued (10000) Aged 55+ with Net AUM Growth 60+ with Net AUM Growth elderly individuals. This program promotes early intervention effectively mitigating the risk of cardiovascular

diseases such as cerebral infarction and myocardial infarction ultimately enhancing the quality of life for the

(10000) (10000) elderly population. In addition the Bank has integrated medical resources from various partners including the

Second Hospital and Yuying Hospital as well as other Grade II Class A and Grade III Class A medical facilities.

46.6 40.8 33.93 This collaboration facilitates health screening services encompassing blood pressure measurements and bone density tests. The Feiyan Community Steward Mini Program connects to the chronic disease screening platform

of the Aging Development Foundation allowing for seamless data sharing and the development of comprehensive

Number of Clients with Average Daily Balance of Number of Zunlao Card family life-cycle health records. Moreover the mini-program provides a range of supporting benefits such

Pension Benefi ts Deposited Demand Deposits from Pension Disbursement Transactions as financial incentives including card issuance benefits for third-generation social security cards as well as

advantages for newly added pension agency and transfer services for existing customers. It also off ers livelihood

to Cards (10000) Clients (RMB 100 million) (10000) service benefi ts including JD home services and community group purchasing options. Through these initiatives

the Bank has successfully established a robust brand that integrates wealth management health care and

3.49 2.25 90.45 inheritance planning.

Amount of Zunlao Card Number of Elderly Meal Number of Age-Friendly

Disbursements (RMB Assistance/Canteens Branches Across the Bank

10000) Established

5393520

027 028Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Green Finance Green Finance Management Duties

To align with the developmental trends in green fi nance over the next fi ve years the Bank has undertaken signifi cant measures

to implement the directives established by the Fourth Plenary Session of the 20th CPC Central Committee particularly the Board of Directors

objective of building a modern environmental governance system. In order to address the pressing needs for economic and

social transformation towards green and low-carbon initiatives as well as to support the goals of carbon peak and carbon

neutrality the Bank revised and released the Green Finance Development Strategy and Implementation Outline (2026–2030) in The Board of Directors holds primary responsibility for green fi nance tasked with determining the

2025. Additionally the Bank developed the Green Finance Development Work Plan and the Guiding Opinions on Strengthening Bank’s development strategy in this area. It is accountable for approving green finance targets

Green Finance Management which delineate departmental responsibilities outline key tasks and enhance support for green proposed by senior management as well as the related reports submitted. Additionally the Board

low-carbon and circular economic development. These eff orts are poised to provide substantial fi nancial resources thereby supervises and evaluates the strategy’s implementation ensuring the appointment of at least one

contributing decisively to the realization of a Beautiful China and the achievement of a modernization characterized by the member with expertise in green fi nance.harmonious coexistence of humanity and nature.The Strategy and Agricultural Rural and Farmer Finance Committee is responsible for supervising

Basic Principles and Strategic Objectives for Green Finance Strategy the implementation of the green fi nance strategy.Uphold green development Uphold risk controllability The Nomination and Remuneration Committee is responsible for incorporating implementation

Basic performance into senior management assessments.Principles

Uphold collaborative eff orts The Audit and Consumer Rights Protection Committee is responsible for auditing ESG

implementation.Build a distinctive organizational structure and support system for green

fi nance

Expand green fi nance scale and enhance service characteristics

Senior Management

Strategic Develop an intelligent risk control system for green fi nance

Objectives

Strengthen professional capabilities and explore carbon accounting system The Headquarters of the Bank has established a Green Finance Committee tasked with the

development for green fi nance comprehensive implementation of initiatives related to green finance in alignment with the

development strategy set forth by the Board of Directors. The Committee is responsible for making

Advance internal green and low-carbon transformation and fulfill corporate

informed decisions regarding objectives mechanisms processes and signifi cant issues pertaining

responsibilities

to green finance. Furthermore it delineates the division of responsibilities for executing the

green fi nance strategy implements internal controls and conducts evaluations for major targets.Organizational Structure The Committee provides an annual report to the Board detailing the progress in green finance

The Bank has established and continuously refi ned a comprehensive green fi nance organizational structure that aligns with the development and ensures the submission and disclosure of relevant information to the National

unique characteristics of rural commercial banks particularly in their service to agriculture rural areas and farmers (the Three Financial Regulatory Administration its local offi ces and the public as mandated.Rural Issues) and county-level economies. A vertical green fi nance management framework has been built clearly defi ning Under the Green Finance Committee an Offi ce and several Working Groups—including the Green

responsibilities at the board the senior management and professional department levels. This structure eff ectively integrates

climate change initiatives and other sustainability-related matters into the overall governance mechanism. Furthermore the Finance Policy Research and System Development Group the Green Finance Marketing and

Bank has enhanced the green fi nance incentive and evaluation system by incorporating green fi nance and carbon emission- Business Promotion Group the Green Finance Brand Building and Image Enhancement Group

related indicators into its performance assessment framework. By establishing a robust green finance evaluation indicator and the Green Finance Internal Performance Management and Transformation Group—are

system the Bank conducts comprehensive assessments across various dimensions including the proportion and growth rate established to eff ectively promote and implement the initiatives determined by the Committee.of green fi nance activities as well as risk management. This approach guides resource allocation toward green industries and

promotes the seamless integration of banking operations with green development strategies.

029 030Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Representative Green Finance Innovative Products of Changshu

Headquarters Departments Rural Commercial Bank

Each department eff ectively executes green fi nance-related tasks within its designated scope of Su Carbon Finance

responsibilities.This product is a working capital loan provided to agriculture-related micro and small enterprises

as well as private enterprises listed in the Jiangsu Province Central Bank Fund Key Supported

Green Enterprise Directory. It is specifi cally designed to fi nance energy conservation and carbon

Branches reduction projects or to meet the working capital needs that arise from the daily operations of

energy-saving and carbon-reducing enterprises.All branches rigorously adhere to the directives from the Headquarters while implementing a “topleader” accountability system. They develop and enhance specialized leadership and coordination

mechanisms for green fi nance assigning specifi c departments as the principal management units. Environmental Protection Loan

This strategic approach ensures comprehensive coordination and eff ective execution of all green

fi nance initiatives across the organization. This loan initiative is collaboratively established by the Jiangsu Provincial Department of Finance

the Jiangsu Provincial Department of Ecology and Environment and the Jiangsu Provincial

Rural Credit Cooperatives Union. By creating a risk compensation fund pool for ecological

The Bank is committed to expanding its portfolio of green finance products guided by a forward-thinking and environmental protection projects it enhances loan credit and provides risk compensation

development philosophy and its unique business characteristics. By focusing on the green financing needs for enterprises within Jiangsu Province. This support encompasses pollution prevention and

associated with the Three Rural Issues—agriculture rural areas and farmers—as well as the requirements of control ecological protection and restoration environmental infrastructure construction and the

micro and small enterprises the Bank has introduced an array of innovative standardized lending models and development of the environmental industry.low-carbon fi nance products. These include Su Carbon Finance Solar Distributed Power Generation Energy

Mortgage Loans Environmental Protection Loans and Pollution Discharge Rights Loans. Furthermore the

Bank effectively facilitates financing for businesses that leverage pollution discharge rights carbon emission Pollution Discharge Rights Loan

rights and other environmental rights as collateral. This strategic approach enhances fi nancing accessibility for These are working capital loans in RMB sought by borrowers who possess pollution discharge

enterprises within green industries thereby driving persistent innovation in green fi nance. rights acquired through a paid process and validated by pollution discharge permits. The loans

serve primarily to meet funding needs associated with energy conservation and environmental

protection transformations as well as for daily production and operational activities.Solar Distributed Power Generation Energy Mortgage Loans

These are RMB loans provided to purchasers of solar distributed power generation equipment

for self-use or lease operations. The funds are specifi cally designated for acquiring solar energy

equipment from manufacturers.

031 032Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Spotlight

Case Issuing RMB 470000 Photovoltaic Mortgage Loan to Support Distributed Rooftop Power Station Construction

Case Annual Treatment/Utilization of 47020 Tons of Hazardous Waste Project

A customer of the Bank an energy technology company based in Suzhou aims to construct photovoltaic

power generation stations on the rooftops of the Tangqiao Village Committee in Meili Town and a textile The construction unit of this project is an environmental protection technology company located in

technology company in Changshu City. The combined rooftop area spans 2000 square meters featuring Wuxi City with a total investment amounting to RMB 59.97 million. This includes RMB 17.97 million

installed capacities of 150 kW and 120 kW respectively. The total registered investment required for the in project capital and RMB 42 million in bank loans. The Bank has provided the enterprise with a

project is approximately RMB 680000. To facilitate this initiative the customer sought fi nancial support. project loan credit facility totaling RMB 29.5 million. By the end of 2025 the outstanding balance of

After thorough investigation and subsequent approval the Bank confi dently issued a "Solar Distributed the project loan was RMB 29 million.Power Generation Energy Mortgage Loan" of RMB 470000 to the customer thereby significantly

advancing the construction of this promising project.Case New Wastewater Treatment and Reuse Project

Case RMB 10 Million Fixed Asset Loan Supports Textile Technology Enterprise in Building a Modern Green Printing and Dyeing Benchmark

This project represents a signifi cant investment by an energy-saving technology company located

A textile technology company in Jiangsu has secured a fixed asset loan of RMB 10 million from the in Changshu City amounting to RMB 73 million. The Bank has extended a project loan of RMB

Bank to fi nance equipment costs associated with its textile printing and dyeing project. Initiated in 2024 43.7 million to support this initiative. By the end of 2025 the outstanding balance on the project

the project is currently in the completion acceptance phase with equipment being installed in stages. loan stands at RMB 25.94 million. The investment focuses on wastewater treatment and its reuse

Production is scheduled to begin in the third quarter. This initiative aligns with the strategic directions classifi ed under the green loan directory as a Green Industry Loan dedicated to the upgrade of green

of technological innovation intelligent manufacturing and green low-carbon practices. The company infrastructure specifi cally the construction and operation of wastewater and sludge treatment and

is actively collaborating with leading universities to develop and apply green chemicals and enhance disposal facilities.printing and dyeing wastewater recycling processes thereby continuously improving its operational

capabilities. Through comprehensive measures the project aspires to establish a modern green printing

and dyeing enterprise characterized by resource efficiency technological advancement and stringent

environmental compliance.Case Precise Support for Local Environmental Technology Enterprise to Overcome

Diffi culties

An environmental technology company located in Jiangsu serves as a professional technical service

organization specializing in environmental testing and consulting services for environmental protection.The company is dedicated to establishing itself as a leading third-party professional testing institution

within the Changshu region. However due to prolonged accounts receivable collection periods the

company faced challenges with its working capital. In the third quarter of 2025 to ensure the company’s

continued operations the Bank provided a revolving loan of RMB 3 million primarily allocated for

project consulting fees. The customer has assembled an advisory team that includes national research

institutions prestigious universities and skilled professionals all committed to advancing comprehensive

efforts in environmental protection safety and occupational health. Their well-equipped testing

instruments enable them to cover all essential parameters related to environmental protection and its

associated fi elds eff ectively.

033 034Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Governance

Safeguarding Development for Long-Term

Success

Changshu Rural Commercial Bank firmly establishes

itself at the forefront of Party-building leadership by

enhancing its modern corporate governance framework

reinforcing risk prevention and control measures and

advancing digital transformation initiatives. Committed

to upholding business ethics the Bank lays a solid

foundation of sound and compliant operations that

fosters sustainable high-quality development.

2025 Highlights

Percentage of Independent Number of Attendances in Legal Number of Attendances in

Directors (%) and Compliance Trainings Legal Publicity and Education

38.46%231947759

Number of Attendances in Anti- Investment in R&D and Technological

Money Laundering Trainings Innovation (RMB 10000)

1335031321.29

Responses to UN SDGs

035 036Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Upholding Party-Building Party’s Ideological Building

The Bank is steadfast in its commitment to enhancing the theoretical knowledge of Party members rigorously studying

Changshu Rural Commercial Bank confidently adheres to Party-building prioritizing political development as its guiding and implementing the spirit of the Fourth Plenary Session of the 20th CPC Central Committee. It effectively combines

principle. It enhances its organizational system emphasizes the growth of Party member teams and fortifies the intensive and regular education through various initiatives including the Party Committee theoretical center group

integration of the Party’s innovative theories. By strengthening the management of ideological positions and promoting learning on-site study tours and specialized reading sessions focused on the Fourth Plenary Session. This multifaceted

collaborative Party-building initiatives the Bank actively enhances ethical conduct and governance thereby firmly approach fortifies the ideological foundation of its members. Furthermore the Bank has innovated the Feiyan Party

establishing the correct trajectory for financial development. Building an online learning model ensuring comprehensive learning coverage for all Party members and cadres

throughout the institution.Party’s Political Building The Bank effectively implements an ideological work responsibility system by establishing a dedicated leading group

conducting specialized research in the area and enhancing the management of ideological positions. It strategically

The Bank fortifies the Party’s overarching leadership while deepening the implementation of the First Topic mechanism. utilizes promotional platforms including the OA website WeChat public account and Lanxin broadcast channel.It establishes a closed-loop workflow that encompasses the stages of studying comprehending researching deploying Moreover the Bank actively promotes the Feiyan Party Building brand reinforcing its image and unwavering commitment

implementing and executing. Concurrently the Bank enforces rigorous political discipline and adheres to established to serving the public.rules. It enhances the protocols for requesting instructions and reporting on significant matters refines the implementation

measures for the Three-Major and One-Big decision-making framework clarifies the list of key decision-making items Case Special Study Session on Thoroughly Implementing the Spirit of the Central Committee’s Eight-

and rigorously upholds the principle of democratic centralism. Point Decision Held in March 2025

In 2025 the Bank effectively embraced the integrated approach of learning inspection and rectification to thoroughly In March 2025 our Bank convened a specialized study session to comprehensively implement the spirit of

implement the spirit of the Central Eight-Point Decision through comprehensive educational initiatives. The Bank issued the Central Committee’s eight-point decision ensuring that all Party members fully comprehend the core

the Key Points for Party Building of Jiangsu Changshu Rural Commercial Bank Co. Ltd. alongside the Implementation principles and practical implications inherent in this decision. We aim to cultivate a formidable collective

Plan of the Changshu Rural Commercial Bank Party Committee on In-depth Learning and Education Regarding the effort toward advancing our work and promoting development through exemplary Party conduct and a robust

Central Eight-Point Decision for all Bank Party Members and Cadres. These efforts have successfully embedded the institutional ethos.principles into the organizational culture ensuring they resonate deeply translate into actions and establish a robust

foundation for future endeavors.Party’s Organizational Building

The Bank is committed to strengthening its organizational framework by ensuring that all Party work is conducted

at the branch level and that a Party branch is established wherever an institution exists. This approach guarantees

comprehensive and effective coverage of Party organizations. The enhancement of organizational strength is

instrumental in driving the high-quality development of financial operations.The Bank is committed to the systematic initiative of talent team building emphasizing the development of its cadre

pipelines and talent pools to enhance critical operations. It consistently fortifies the training of Party organization

secretaries and Party member teams. Utilizing a blend of online and offline methods the Bank provides specialized

training including qualification certification for Party affairs workers. This approach cultivates a cadre of Party members

who are politically steadfast professionally exceptional and of high moral character thereby solidifying the foundation for

the Bank’s high-quality development.

037 038Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Joint Party Building Party Conduct Governance

The Bank has established a distinctive Feiyan Party Building brand that continuously enhances Party building through The Bank has consistently upheld rigorous Party self-governance while reinforcing the principles of Party conduct and

joint construction and collaborative efforts. It has implemented headquarters-to-headquarters paired co-construction maintaining a clean government. By enhancing mechanisms for the prevention and control of integrity risks intensifying

initiatives between the Headquarters Party Committee and 16 township sub-districts and development zones in warning education enforcing strict adherence to discipline and regulations and cultivating a culture of integrity the Bank

Changshu City. Furthermore the Bank has engaged in government-bank partnerships with 28 municipal commissions effectively safeguards compliant operations. Moreover by promoting the integrated implementation of the Three No-

offi ces and bureaus and has undertaken joint construction projects with 20 key enterprises. These initiatives exemplify Corruption principle it mitigates fi nancial risks and establishes a robust disciplinary defense for sustainable high-quality

the Bank’s commitment to fostering collaboration and leveraging alliances to strengthen its Party building eff orts. development.Case Special Initiative named Flying into Local Homes

The Bank has launched a specialized initiative titled Flying to Local Homes. This program involves the active

participation of fi fteen fi rst-level branch presidents who have engaged in secondment work within town (sub-

district) Party committees. Additionally thirty-fi ve second-level branch presidents have taken on roles as

part-time committee members of community grand Party committees while fifty-eight service managers

serve as part-time committee members of residential area grand branch committees. Furthermore the

Bank has appointed 172 Feiyan Wealth Creation Specialists who in response to the specifi c needs of local

communities have established paired contacts with 247 grassroots grids in villages. These specialists

work as part-time grid workers assisting grid leaders in various capacities. The program focuses on fi ve Party Conduct Governance Actions

key areas: liaison services volunteer services propaganda and education services census services and

fi nancial services. By facilitating comprehensive grid management the initiative signifi cantly contributes to

the common prosperity of both urban and rural areas. Improve the Long-Term Mechanism for Preventing and Controlling Integrity Risks

The Bank has developed a comprehensive implementation plan aimed at deepening the investigation and

prevention of integrity risks. This plan concentrates on critical areas and positions of authority including credit

Joint Party Building Activities

granting capital management asset disposal centralized procurement information technology development

and personnel selection with a particular emphasis on the Three Major and One Big principles. Through a

thorough identification of integrity risk points the Bank is establishing a robust long-term mechanism for

preventing and controlling integrity risks. This mechanism will feature standardized processes effective

strategies practical systems and timely early warning systems ensuring a proactive approach to safeguard

the institution’s integrity.Intensifying Warning

The Bank deepens case-based moral education case-based disciplinary education case-based legal

education and case-based accountability education. The Bank effectively utilizes warning and educational

functions through the thorough analysis of typical cases. Grassroots Party organizations have organized over

100 themed Party Day activities at warning and education bases successfully guiding all Party members and

Joint Party Building with Bosideng Kick-off Meeting for the Special Campaign Flying cadres to maintain vigilance regarding discipline and regulations. Furthermore the Bank enhances moral

Group into Local Homes disciplinary legal and accountability education by employing case-based methodologies.

039 040Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Governance Structure of Changshu Rural Commercial Bank

Strict Discipline and Rules

Shareholders Meeting

Strategy and Agriculture Rural Areas and

The Bank prioritizes the enhancement of integrity education for key personnel by conducting pre-appointment Farmers Finance Committee

integrity discussions for newly promoted mid-level cadres. These sessions are designed to clarify the required Risk Management and Related Party Asset and Liability Management Committee

standards of integrity and discipline at pivotal moments in cadre development. Additionally the Bank organizes Transaction Control Committee

Audit and Consumer Rights Protection Internal Control Management Committee

trainings for newly appointed managers integrating content related to discipline education into the training Board of DirectorsCommittee Risk Management Committee

curriculum. This comprehensive approach eff ectively establishes a robust defense against unethical conduct in

Nomination and Remuneration Committee

professional environments. Financial Innovation Committee

Financial Integrity and Ethics Committee President's Offi ce Loan Review Committee

Board of Directors Offi ce Technology Management Committee

Cultivating a Culture of Integrity

Investment Decision Committee

The Bank organized two online trainings for the Clean Finance Culture Premium Program which included a Green Finance Committee

total of seven courses addressing clean culture compliance warnings and various related topics ultimately

engaging 8000 attendances.Additionally the Bank initiated a Clean Finance Compliance Enhancement short video competition receiving

a total of 19 entries. The exceptional submissions were thoroughly evaluated and promoted for learning

throughout the entire organization.Party Conduct Activities

Middle and Back

Front-offi ce Dept Offi ce Dept

Field Study Tour to Changshu Warning Education and Party

Supervision Impression Hall Building Activity

Improving Governance Structure

Changshu Rural Commercial Bank is dedicated to enhancing its corporate governance system. In alignment with the

principles of the modern enterprise system the Bank rigorously complies with the Company Law of the People’s Republic

of China and other pertinent regulations establishing a robust corporate governance framework.

041042

Xingfu Country Bank Co. Ltd.Enshi Xingfu Country Bank Co. Ltd.Business Dept Changzhou Jintan Xingfu Country Bank Co. Ltd.Directly Affi liated Sub-branch Outlet Tangyin Xingfu Country Bank Co. Ltd.Yiyang Xingfu Country Bank Co. Ltd.Branch

Sub-branch Outlet Yichang Xingfu Country Bank Co. Ltd.Central Sub-branch Haoxian Xingfu Country Bank Co. Ltd.Offi ce Huai'an Xingfu Country Bank Co. Ltd.Strategic Planning Dept (Research Offi ce) Yangzhou Gaoyou Xingfu Country Bank Co. Ltd.Organization Dept of the Party Committee (HR Dept) Luoning Xingfu Country Bank Co. Ltd.Training Center Neihuang Xingfu Country Bank Co. Ltd.Legal and Compliance Dept Ruyang Xingfu Country Bank Co. Ltd.Audit Dept Taizhou Gaogang Xingfu Country Bank Co. Ltd.Financial Technology Dept Wuxi Binhu Xingfu Country Bank Co. Ltd.Security Dept Kunming Panlong Xingfu Country Bank Co. Ltd.Operation Management Dept Qujing Zhanyi Xingfu Country Bank Co. Ltd.Planning and Finance Dept Luliang Xingfu Country Bank Co. Ltd.Statistics and Data Asset Dept Shizong Xingfu Country Bank Co. Ltd.Risk Management Dept Luoping Xingfu Country Bank Co. Ltd.Asset Preservation Dept Jiangchuan Xingfu Country Bank Co. Ltd.Credit Review Dept Yimen Xingfu Country Bank Co. Ltd.Nanhua Xingfu Country Bank Co. Ltd.Capital Operation Center Asset Management Dept Yuanmou Xingfu Country Bank Co. Ltd.Microfi nance Money Market & Wuding Xingfu Country Bank Co. Ltd.Headquarters Interbank Dept

Zhuhai Xiangzhou Xingfu Country Bank Co. Ltd.Retail Banking Dept Fixed Income Dept II

Jiangsu Ganyu Xingfu Country Bank Co. Ltd.Online Banking Dept Fixed Income Dept I

Inclusive Finance Dept

Investment Banking Dept

Bill Business Dept

SSttrraatteeggiicc CClliieenntt DDeepptt

Corporate Banking Dept

GGrreeeenn FFiinnaannccee DDeepptt

International Business

Dept

Agricultural and Rural

Finance DeptGovernance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Board of Directors Nomination and Remuneration Committee

The Bank’s Board of Directors has established the following special committees: Strategy and Agriculture Rural Areas & In 2025 the Committee convened four meetings during which it reviewed

Farmers Finance Committee Risk Management and Related-Party Transactions Committee Audit and Consumer Rights and adopted ten proposals including remuneration plans and performance

Protection Committee Nomination and Remuneration Committee and Financial Integrity and Ethics Committee. assessment measures for directors and senior management. The Committee took

significant strides in enhancing the remuneration assessment system refining

incentive and restraint mechanisms and further standardizing meeting protocols

2025 Work Progress of Special Committees Under the Board of Directors

and work procedures.Strategy and Agriculture Rural Areas & Farmers Finance Committee Financial Integrity and Ethics Committee

In 2025 the Committee convened for eight meetings during which it reviewed and In 2025 the Committee conducted two meetings during which it reviewed and

approved 22 proposals. Key items included the report on the implementation of adopted three key proposals including a work report on financial integrity and

the financial business plan for agriculture rural areas and farmers the overseas ethics. The Committee effectively guided all Bank staff in establishing a strong

investment plan the ESG report and the green finance development strategy commitment to compliant and honest practices while also implementing a

and implementation outline. Additionally the Committee enhanced its foundational comprehensive system of behavioral norms to uphold fi nancial integrity and ethics

research on issues pertinent to the Board of Directors. throughout the organization.Board Performance

Risk Management and Related-Party Transactions Committee

In 2025 the Committee convened seven meetings during which it reviewed Number of Board of Board Member Attendance Number of Directors Attending

and approved 43 proposals including the risk appetite statement various risk Directors Meetings Held Rate (%) Less Than 75% of Meetings

assessment reports comprehensive risk management reports and specialized

reports on related party transactions. The Committee articulated clear perspectives 9 97.35 71

on risk management practices effectively guiding and overseeing the Bank’s risk

management and related party transaction review processes. Number of Directors Attending Number of Audit and Number of Nomination and

Less Than 75% of Meetings Consumer Rights Protection Remuneration Committee

Committee Meetings Meetings

Audit and Consumer Rights Protection Committee 0 5 4

In 2025 the Committee convened fi ve meetings during which it thoroughly reviewed

and approved 38 proposals. These encompassed periodic reports final financial

accounts budget plans profi t distribution plans as well as audit reports and working Board Independence

report for consumer rights and interests protection. The Committee emphasized the

authenticity accuracy and completeness of fi nancial reports consistently engaging

with internal audits and control reports. Additionally it refi ned meeting systems and In 2025 independent directors comprised 38.46% of the Board of Directors. No independent director served on more

work processes while enhancing foundational research on issues pertinent to the than three domestic listed companies or five domestic and foreign enterprises. The composition proportion and

Board of Directors. qualifi cations of independent directors fully meet relevant regulatory requirements ensuring robust governance.

043 044Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Board Diversity Board Composition

Metric 2025 Value

The Bank comprehensively evaluates various factors—including gender age educational background professional Total Number of Board Members 13

experience and skill sets—while actively pursuing a diverse candidate pool that aligns with the Bank’s strategic

objectives. The directors’ professional backgrounds in fi nance law technology banking and related fi elds provide a solid Number of Female Directors 2

foundation for the Board of Directors to execute its responsibilities eff ectively and scientifi cally. Percentage of Female Directors (%) 15.38

Number of Independent Directors 5

In 2025 female directors constituted 15.38% of the Board. Percentage of Independent Directors (%) 38.46

Percentage of Independent Directors with Tenure Exceeding 6 Years (%) 0

Percentage of Independent Directors with Tenure Exceeding 9 Years (%) 0

Percentage of Independent Directors Serving on More Than 3 Listed Companies (%) 0

Board Eff ectiveness Percentage of Independent Directors Serving on More Than 6 Listed Companies (%) 0

Percentage of Independent Directors on the Audit and Consumer Rights Protection

60

The directors of the Bank consistently demonstrate a strong sense of responsibility and professionalism actively Committee (%)

participating in meetings and fulfi lling their duties with dedication. During the reporting period the Board of Directors Percentage of Independent Directors on the Nomination and Remuneration 67

achieved an impressive attendance rate of 97.35%. This exemplifi es the diligent work ethic of the Board members and Committee (%)

underscores their commitment to facilitating sound decision-making for the Bank’s operation.During the reporting period the Board of Directors achieved an impressive attendance rate of 97.35%.Management Performance

The Bank employs a comprehensive annual salary system for its senior management personnel. This system is

structured around a basic annual salary a post coefficient and performance assessment results. The assessment

Board Remuneration Transparency indicators are designed to evaluate contributions to the real economy operational effi ciency risk prevention and control

and overall development quality. Additionally exceptional achievements or significant advancements in the Bank’s

business development may warrant additional rewards.The Bank rigorously adheres to regulatory requirements and ensures a standardized approach to the decision-making

process regarding directors’ remuneration. The Nomination and Remuneration Committee which comprises a majority

of independent directors evaluates and manages this remuneration eff ectively. Furthermore the Bank is committed to In 2025 the Bank comprises seven senior management members with female executives

enhancing the transparency of remuneration disclosures detailing directors’ remuneration in its annual report while constituting 14.29% of the total.willingly embracing oversight from shareholders and the market.

045 046Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Strengthening Internal Control Audit Training Performance

and Compliance Number of Audit Trainings Hours of Audit Trainings Number of Attendances in Audit Trainings

Changshu Rural Commercial Bank eff ectively coordinates auditing risk management legal compliance taxation and 11 71 135

anti-money laundering efforts thereby establishing a comprehensive internal control and compliance framework that

safeguards the Bank’s high-quality and sustainable development.Case Internal Audit Experience Sharing Meeting

Audit Management

To harness collective expertise in audit practices share

The Bank has established 15 comprehensive policies including the Internal Audit Charter of Jiangsu Changshu Rural best practices and elevate the professional competence

Commercial Bank Co. Ltd. and the Audit Work Management Measures of Jiangsu Changshu Rural Commercial Bank of the internal audit team the Bank conducted an internal

Co. Ltd. as well as the Audit Work Operating Procedures of Jiangsu Changshu Rural Commercial Bank Co. Ltd. These audit experience-sharing meeting. This event fostered the

eff ectively ensure that audit activities are conducted in an orderly and effi cient manner. In 2025 the Bank introduced exchange of working methodologies facilitated discussions

the Internal Audit Work Plan (2025–2027) which enhances the internal governance framework and reinforces the on complex issues and allowed auditors to distill practical

implementation of internal audit functions and associated training initiatives. insights. By encouraging experience sharing we advanced

our capabilities; through the exchange of innovative ideas

To enhance the intelligence precision and efficiency of audit operations while establishing a robust technological we aimed for superior work quality thereby strengthening

barrier for risk prevention and control the Bank actively advanced the development of a digital audit system in 2025. the foundation of our internal audit function.This initiative introduced functionalities such as operation management and off-site modeling successfully achieving

comprehensive online coverage of on-site audit projects. Risk Management

Changshu Rural Commercial Bank has developed a robust and comprehensive risk management governance structure.In 2025 the Bank successfully developed 73 audit models updated 221 existing models incorporated The establishment of a Risk Management Committee alongside the appointment of a Vice President responsible for

320 novel connected data source tables supported 24 audit projects and delivered external model

risk management underscores the Bank’s commitment to eff ective oversight. Additionally a dedicated risk management

outputs on 13 separate occasions.department along with designated risk offi cers and credit approvers ensures systematic evaluation and management of

risks. Credit approvers are strategically positioned at branch banks to engage in the entire lifecycle of credit transactions

encompassing pre-loan review loan disbursement and post-loan management.Case Development of the EAST Model Set for Village and Township Bank Acquisitions

The Bank has achieved full coverage of all major risks by formulating institutional documents including the

Comprehensive Risk Management Policy Liquidity Risk Management Policy Market Risk Management Policy

In the audit of the merger and acquisition involving three village and township banks under Hunan Huifeng Interest Rate Risk Management Policy for Banking Book Operational Risk Management Policy and Reputational Risk

Group the Bank successfully implemented the EAST regulatory data standard alongside innovative audit Management Measures. In addition it has developed special risk management measures for key business areas such as

modeling techniques for the fi rst time in major M&A projects. By developing the EAST Model Set for Village credit bond investment derivatives trading and wealth management business to further standardize business operations.and Township Bank Acquisitions we effectively addressed critical challenges such as inadequate data

foundations and ineffi cient risk identifi cation in M&A activities. The Bank eff ectively implements risk inventory-based management by conducting regular tracking and comprehensive

reviews. It continually strengthens its refi ned risk control management system while enhancing the management and

control mechanisms for risk indicators. Furthermore leveraging advanced technologies such as big data artificial

intelligence and microservices the Bank adheres to the design philosophy of small platform large applications.Consequently it has developed a unifi ed intelligent risk control platform tailored for small and medium-sized banks.

047 048Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Risk Control Measures Case Risk Prevention and Control

The Bank has issued the Measures for the Administration of Criminal Cases of Jiangsu Changshu Rural Commercial

Credit Risk Management

Bank Co. Ltd. and the Measures for the Accountability of Cases of Jiangsu Changshu Rural Commercial Bank Co. Ltd.A comprehensive Bank-wide management framework for Grand Credit and Grand Asset Protection has been providing strong institutional support for case prevention and control.established featuring a One Enterprise One Profile automatic approval system and a robust Nine-in-One

three-dimensional credit risk prevention and control system. The Bank has established a robust organizational system for case risk prevention and control clearly delineating the

We have enhanced the operational capabilities of the Risk Model Strategy Research Lab refined the risk roles and responsibilities of various stakeholders. The Board of Directors holds ultimate responsibility for overseeing case

control model and strategy framework and fortifi ed our digital risk control measures. prevention and control while senior management is tasked with the implementation of these measures. The Leading

Group for Compliance and Case Prevention plays a pivotal role in coordinating and advancing case prevention eff orts

The Sixteen-Grid disposal strategy has been introduced to accelerate risk resolution. This strategy employs

throughout the institution. The Legal and Compliance Department at the Headquarters serves as the primary department

innovative models and methods including empathetic collection techniques improved notarization processes

for case prevention and control whereas the functional management departments at both the Headquarters and

online pre-litigation mediation and electronic payment orders.branches are directly accountable for their respective responsibilities ensuring a clear division of labor.The Bank utilizes the provincial compliance system of the United Bank to implement a comprehensive online closed-loop

Liquidity Risk Management

management mechanism for case risk investigation. This process encompasses project initiation scheduled screening

We implemented robust asset-liability management mechanisms strengthened the deposit base maximized review and rectifi cation. The Bank recorded zero criminal cases in 2025.the use of policy tools such as relending and rediscounting and diversifi ed our sources of liabilities.We enhanced our position management mechanisms implemented systems to eff ectively track signifi cant fund The Bank recorded zero criminal cases in 2025.movements established an integrated framework for forecasting monitoring financing and feedback and

improved our asset-liability management capabilities while bolstering our liquidity safeguards.Business Risk Management

Operational Risk Management The Bank firmly reinforces risk prevention and control responsibilities at every level of the business front. Through

A thorough review of business process risk points and control measures was conducted resulting in the robust risk management practices we establish a secure defense mechanism that supports the Bank’s operational

formulation of key risk indicators for effective monitoring. Additionally the implementation of operational development.management authorization has been standardized. Credit Approval Risk Control Measures

We have promoted four mechanisms for case prevention and compliance thereby strengthening the

management of employee abnormal behaviors. Limit Control Hierarchical Approval

The compliance data management platform was signifi cantly enhanced optimizing the employee compliance Scientifi c positioning of credit Adhering to the approval

and integrity evaluation system Xiaoyan Credit while implementing an employee classifi cation management allocation improvement of principle of short process for low Separation of Loan

system. Approval and Granting concentration management risk long process for high risk

Unifi ed Credit Parallel operation

Management between approvers and

Reputational Risk Management account managers with

Unifi ed reporting forward-shifted approval

We implement comprehensive public opinion monitoring and response strategies enhancing the monitoring unifi ed approval unifi ed achieving full coverage of

matrix that integrates public opinion software we-media and foreign media thereby reinforcing our early reply unifi ed post- immediate credit review

prevention of public opinion risks. lending

049 050Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Legal Compliance Publicity and Education

Risk Management Measures for Bill Business

Compliance Risk Accepting Bank Risk Regularly push Monthly Learning and Special Topic Warnings through the Yanxun Platform

newly established Case-Based Red Lines column and Compliance Voices column

Enterprise admission and Implementation of diff erentiated credit Online

trade background review strategies Supervised

Establishment of dynamic risk tracking and Learning

early warning mechanisms implementation

Monitoring of discounted of dynamic admission adjustments and limit

controls

fund fl ows Interest Rate Risk

Daily tracking of rediscount Top Leader compliance lectures and senior management demonstration learning enhance

market prices formulating Senior compliance education eff orts

and publishing specifi c Leadership-

discount guidance quotes Led Learning

Participation in the United Bank Dingyan knowledge competition

Learning Compliance offi cer qualifi cation exams and case prevention exams

Through

Competition

Legal Compliance Management Pictures on Legal and Compliance Culture Development

In 2025 the Bank implemented a set of legal and compliance regulations including the Compliance Policy of Jiangsu

Changshu Rural Commercial Bank Co. Ltd. and the 2025 Annual Opinions on Legal and Compliance Work of Jiangsu

Changshu Rural Commercial Bank Co. Ltd. These initiatives fostered the development of a robust legal and compliant

banking system ensuring that all Bank operations adhere to relevant laws and regulations thereby facilitating stable and

sustainable growth.The Bank has implemented a comprehensive suite of measures to advance the development of a robust compliance

culture. This includes the execution of consistent and structured compliance training and education initiatives which

cultivate a strong environment of lawfulness adherence to regulations and prudent operations. Through specialized

training sessions case study warnings regulatory interpretations and compliance knowledge competitions the Bank

has eff ectively ingrained compliance philosophy across all business lines and job roles. Furthermore it has enhanced

the compliance governance framework emphasizing active leadership from senior management and engagement

from all staff . This strategic shift has transformed compliance awareness from passive observance to active practice

thereby solidifying the foundation of risk prevention and control while delivering substantial support for high-quality and

sustainable development.Leaders Deliver Themed Lectures

051 052Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Tax Management

The Bank has established comprehensive tax management policies which include the Tax Administration Measures the

Measures for the Accounting and Administration of Value-Added Tax and the Measures for the Administration of Value-

Added Tax Invoices all specifi c to Jiangsu Changshu Rural Commercial Bank Co. Ltd. These have been meticulously

developed in accordance with the Enterprise Income Tax Law of the People’s Republic of China and the Individual

Income Tax Law of the People’s Republic of China as well as other pertinent laws and regulations. The Bank is dedicated

to ensuring full tax compliance by meticulously paying all taxes due and enhancing its overall tax compliance framework.The Bank has successfully established a comprehensive tax system that encompasses all tax types and the entire tax

administration process. By developing a robust digital tax data system standardizing the Bank-wide tax management

processes and enhancing risk monitoring mechanisms it has achieved an integrated approach to tax risk management.This system effectively addresses pre-event prevention in-process control and post-event evaluation ensuring the

Bank’s commitment to thorough and proactive tax compliance.Face-to-Face Compliance Training In 2025 the Bank successfully upgraded its VAT management platform and introduced the VAT input management

module achieving complete digitalization of electronic invoices and optimizing the invoice utilization process.Legal Compliance Training Performance

The Bank’s total tax payment for 2025 amounted to RMB 1.51 billion.Number of Legal and Cumulative Hours of Legal Number of Attendances in Legal

Compliance Trainings and Compliance Trainings and Compliance Trainings

Anti-Money Laundering

33 61 2319 The Bank has consistently adhered to regulatory requirements while remaining informed about evolving challenges

in anti-money laundering (AML) efforts. Leveraging robust institutional mechanisms and enhanced technological

capabilities the Bank has prioritized the improvement of staff competencies. This comprehensive approach has

The Bank prioritizes fi nancial legal publicity and educational initiatives with signifi cant emphasis. It strategically leverages

signifi cantly strengthened its defenses against money laundering ensuring the fulfi llment of its statutory AML obligations.key periods such as consumer rights protection publicity activities in March the concentrated publicity month for the

Moreover the Bank has actively mitigated money laundering activities and associated illegal actions thereby eff ectively

prevention of illegal fundraising in June and anti-fraud campaigns conducted at the end of each year and the beginning

safeguarding the integrity of the fi nancial market and contributing to social stability.of the following year. Through a diverse array of online and offl ine channels the Bank eff ectively disseminates essential

fi nancial legal information.Legal Publicity Performance

Number of Legal Publicity and Education Number of Attendances in Legal Publicity and

Activities Education

54347759

053 054Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Institutional Development Awareness Campaigns

In compliance with anti-money laundering laws and relevant regulatory requirements including the Anti-Money In 2025 the Bank implemented a series of anti-money laundering fi nancial literacy campaigns successfully engaging

Laundering Law of the People’s Republic of China the Law of the People’s Bank of China and the Anti-Terrorism Law over 130000 participants and distributing 14872 promotional leafl ets.of the People’s Republic of China the Bank has established 29 comprehensive anti-money laundering policies. These

policies clearly delineate critical components including the establishment of anti-money laundering positions and

responsibilities protocols for reporting large-value and suspicious transactions procedures for customer due diligence

and processes for customer risk assessment. Strengthening education and publicity at important time nodes

The strategic utilization of key dates including Consumer Rights Protection activities on March 15 National

In 2025 the Bank undertook a comprehensive revision of its Administrative Measures for Anti-Money Laundering Large- Security Education Day on April 15 and summer vacation periods served to enhance our marketing eff orts.Value Transaction and Suspicious Transaction Reporting as well as the Administrative Provisions on Customer Due By actively engaging with the public during these pivotal moments we eff ectively integrated thematic publicity

Diligence and Preservation of Customer Identity Information and Transaction Records. A signifi cant aspect of this revision campaigns into overall marketing activities thereby reinforcing our commitment to consumer awareness and

was the uniform adjustment of the retention period for customer information and transaction records from fi ve years to security education.ten years. Additionally the Bank amended the Assessment Measures for Anti-Money Laundering and Counter-Terrorist

Financing Work clearly delineating a three-tier assessment system involving departments institutions and personnel.This refinement distinguishes between performance-based and duty-based assessment methods and enhances the

corresponding reward and punishment mechanisms. Furthermore the Bank revised the Administrative Provisions on Multi-channel joint construction and publicity

Anti-Money Laundering and Counter-Terrorist Financing Audit Management to clarify and strengthen internal supervisory

processes. These improvements provide robust institutional guarantees for the ongoing and eff ective execution of the By harnessing the publicity capabilities of the external channels we have extended our outreach signifi cantly.Bank’s anti-money laundering initiatives. Partnering with Yiyou Social Work Organization we have engaged with communities and commercial districts

to conduct free medical clinics and anti-money laundering awareness activities.Digital Infrastructures

The Bank has consistently refi ned the monitoring models within its anti-money laundering system. In response to annual

money laundering risk alerts and the evolution of emerging money laundering techniques it has introduced two advanced Regular online education and publicity

monitoring models: Suspected Commercial Bill Money Laundering and Abnormal Credit Card Overpayment. Additionally We successfully released six videos on Douyin and various video platforms including titles such as Beware of

a total of six existing monitoring models including Abnormal Cardless and Passbook-less Transactions have been Fake ‘Military Offi cer’ Investment Scams and Beware of Concert Ticket Scams. Additionally we published 17

optimized. In light of the escalating threat posed by telecom and online fraud the Bank has proactively enhanced 13 articles on our WeChat public account featuring critical content like Watch Out for ‘Cancel Automatic Deduction’

anti-fraud models and introduced another 13 new models addressing scenarios such as irregular online gold purchase Phone Scams! Deduction is Fake Money Theft is Real and International Students Watch Out for These Scam

activities and abnormal mobile banking logins/screen sharing. This comprehensive approach has established a dual Tactics.defense mechanism that monitors both transaction and customer behavior. The Bank has successfully integrated anti-

fraud risk data into the anti-money laundering framework thereby strengthening cross-sector joint risk prevention

minimizing redundant model development and maximizing the value of risk data while optimizing development costs.Strengthening internal education and publicity

Risk Screening

We successfully issued five editions of the Telecom and Online Fraud Prevention Work Bulletins eleven

In 2025 leveraging a combination of anti-money laundering risk alerts and internally identified risk cases the Bank editions of the Telecom and Online Fraud Risk Alerts and twelve editions of the Account Optimization Services

successfully conducted eight comprehensive risk screening exercises ensuring complete coverage of anti-money and Risk Prevention Case Compilations. Additionally we distributed multiple examples of internal and industry-

laundering risk assessments. These screenings primarily focused on issues such as merchant cash-out via payment specifi c cases enhancing our comprehensive approach to fraud prevention.collection services illegal fundraising by village committee staff transitional fund activities utilizing electronic commercial

acceptance bills corruption and embezzlement bill intermediaries medical misconduct and other illegal fundraising

activities. A total of 4551 customers were screened resulting in the identifi cation of 57 abnormal customers all of whom

have since been subjected to appropriate control measures.

055 056Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Case Anti-Money Laundering Publicity Campaign The Bank is actively developing a comprehensive in-depth and multi-faceted anti-money laundering training system

designed to enhance the team’s risk control capabilities and elevate risk awareness among all staff members.On December 20 2025 Binhu

C o u n t r y B a n k s u c c e s s f u l l y Case Special Training for Directors Supervisors and Senior Executives

conducted an anti-money laundering

campaign a imed at educat ing In 2025 the Bank implemented

elderly customers. During this event specialized anti-money laundering

approximately 100 informative training for directors supervisors

leaflets addressing the prevention a n d s e n i o r e x e c u t i v e s . T h i s

of money laundering telecom fraud initiative significantly enhanced

and f inancial account securi ty senior management’s capacity

were distributed reinforcing our to make in formed compl iance

commitment to safeguarding our decisions and reinforced the top-

clients’ financial well-being. level accountability framework for

financial risk prevention and control.Case Publicity Campaign Themed “Prevent Money Laundering Risks and Build a Harmonious Society”

On December 23 2025 Yuanmou Case Special Training on Anti-Money Laundering System Operation for New Employees AML Liaisons and Operation Supervisors

Country Bank conducted a publicitycampaign titled “Prevent MoneyIn 2025 the Bank implemented specialized training on the essential operations of the anti-money

Launder ing Risks and Bui ld a

laundering system for new employees branch anti-money laundering liaisons and operational supervisors.Harmonious Society” at Lefu Village

This training clarified post-work specifications and significantly enhanced the timeliness and accuracy of

Committee. The event engaged

the Bank’s anti-money laundering efforts.participants through interactive

Q&A sessions complemented

by the opportunity to win game

prizes. More than 70 promotional

leaflets were distributed on-site

effectively reaching an audience of

approximately 50 individuals.

057 058Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Case Special Training for Full-Time Anti-Money Laundering Personnel Cross-Border Anti-Money Laundering

In 2025 the Bank initiated comprehensive training programs

The Bank has proactively intensified its anti-money laundering initiatives within its international business sector

for its full-time anti-money laundering staff. These programs

continuously enhancing the anti-money laundering component of the international settlement system. In 2025 the

included critical topics such as the Financial Institutions’

Bank undertook revisions to the Detailed Rules for Anti-Money Laundering Work for the International Business Line. In

Response to Emerging Money Laundering Risks Enhancing

alignment with FATF standards the Bank optimized regulations governing operations in high-risk regions reinforced

AML Performance Capabilities and the Implications of the

prudential requirements for transactions with countries on the blacklist and bolstered its capacity for risk prevention

New Anti-Money Laundering Law for Commercial Banking

and control in cross-border dealings. These measures have established a robust institutional framework that supports

and Challenges and Countermeasures Posed by New Anti-

the development of a sustainable anti-money laundering management mechanism for international operations thereby

Money Laundering Law to the Payment Industry. This strategic

ensuring the sound and compliant advancement of cross-border business activities.initiative significantly bolstered the Bank’s anti-money

laundering performance capacity.Honors and Recognition

Case Launch of Staff -Wide Learning Courses In 2025 the Bank achieved notable recognition by securing the Second Prize in Anti-Money Laundering Suspicious

Transaction Screening at the Operation Competition organized by Jiangsu Rural Commercial United Bank. Additionally it

earned the Third Prize in the Anti-Money Laundering Essay Contest hosted by the Suzhou Branch of the People’s Bank

In 2025 the Bank implemented a series of comprehensive training

of China. These accomplishments underline the Bank’s commitment to excellence in anti-money laundering initiatives.courses through the Xiaoyan Academy platform including Anti-

Money Laundering Themed Learning and 3·15 Special Education

and Training. These initiatives signifi cantly heightened employees’ Anti-telecom Fraud

awareness of anti-money laundering responsibilities establishing a

robust foundation for the Bank to develop a sustainable anti-money The Bank rigorously adheres to anti-telecom fraud requirements refining its organizational structure and institutional

laundering framework and eff ectively mitigate associated risks. framework. It reinforces comprehensive management responsibilities enhances matrix-based oversight and leverages

technology to establish a robust anti-fraud defense eff ectively safeguarding customer funds.The Bank rigorously enforces compliance with relevant laws and regulations pertaining to anti-fraud and anti-illegal

gambling. It has established comprehensive systems including the Measures for the Control of Accounts Involved in

New-type Telecom and Online Crimes the Accountability Chain Pursuit Mechanism the Provisions on Classifi ed and

Graded Management of Accounts and the Provisions on the Administration of RMB Personal Bank Settlement Accounts.By implementing risk prevention and control measures across the entire account lifecycle the Bank has successfully

Anti-Money Laundering Training Performance

reduced the incidence of bank card accounts associated with telecom and online fraud.The Bank has established a prominent task force dedicated to combating telecom and online fraud with the President of

Number of Anti-Money Laundering Number of Attendances in Anti-Money the Headquarters leading the initiative. Adhering to the principle that the party responsible for the account shall be held

Trainings Laundering Trainings

liable the Bank has signifi cantly strengthened its business risk management framework. This includes enhancing the risk

37 13350 responsibility-sharing mechanism and delineating the accountability chain for account risk management across pre-event in-process and post-event stages. Additionally the Bank conducts thorough retrospective investigations and verifi cations

of fraud and illegal gambling leads imposing supervision and accountability on personnel who fail to exercise due

diligence in accordance with relevant laws and regulations.

059 060Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Anti-Fraud Measures Anti-Telecom Fraud Publicity Performance

Building Full Lifecycle Management Mechanism for Involved Accounts Number of Anti-Fraud Publicity Activities Number of Attendances in Anti-Fraud Publicity

Pre-event Precise Defense: Through analysis of involved account characteristics we Activities

eff ectively intercepted suspected involved funds of RMB 550000 in advance 908 266382

During-event and Post-event Encirclement and Suppression Enriching and Iterating

Warning Scenarios: We conducted a thorough analysis of historically issued accounts

to enhance model accuracy optimizing a total of 13 existing models and introducing an

additional 13 new models annually. Through these eff orts we successfully intercepted Case Anti-Fraud Training for New Employees

83 involved accounts safeguarding approximately RMB 1.5 million in funds.

I n 2 0 2 5 t h e B a n k i m p l e m e n t e d

comprehensive anti-fraud training courses

for new employees fostering strong

Building Police-Bank Collaboration Platform awareness of compliance. This initiative

established a solid personnel foundation

6 victim scenarios have been added to models; for the Bank’s overall anti-fraud eff orts.

35 abnormal fund transfer accounts were identifi ed with RMB 1.5968 million blocked;

Through the delayed payment strategies and outbound customer service calls we

successfully intercepted abnormal transfers from four victims.Case Delayed Payment Service Successfully Prevents Fund Transfer by a Suspected Fraud Victim

On September 27 2025 Ms. Qian initiated a transfer of RMB 12888 to an account at a bank located in

Fujian Province. This transaction activated the Bank’s victim protection mechanism. During an outbound

call customer service representatives verifi ed the counterparty information with Ms. Qian and informed her

of online fraud tactics. Recognizing the potential risks associated with the transfer she promptly applied to

cancel the transaction and expressed her gratitude to the bank for its proactive service.In 2025 the Bank implemented comprehensive anti-fraud publicity campaigns and specialized training programs

signifi cantly enhancing employees’ ability to identify risks and increasing public awareness of fraud prevention. These

initiatives eff ectively bolstered the foundation for a robust fi nancial anti-fraud security framework.

061 062Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Digital & Intelligent Development Industry-University-Research Collaborations

The Bank prioritizes scientific research and innovation fortifies its information security infrastructure adheres to In 2025 the Bank established a joint laboratory with Alibaba

principles of intellectual property Rights protection and harnesses digital and intelligent capabilities to enhance fi nancial Group to collaboratively explore innovative applications of large

effi ciency thereby ensuring the advancement of modern fi nance. With strict adherence to scientifi c ethical standards and AI models within the fi nancial sector. The partnership launched

upholding integrity and responsibility our Bank is committed to promoting research and innovation and ensures that all the AI Large Model for Credit Approval project which integrated

scientifi c activities comply with ethical standards. artifi cial intelligence into the loan approval process. By training

and fine-tuning the Qwen-32B model the Bank successfully

In 2025 our Bank did not engage in any actions that violated scientifi c ethics. developed its own large AI model significantly enhancing

approval effi ciency and decision-making support capabilities.Technological Innovation

Finance Innovation Lab

Guided by the fundamental principles of refi ned management and agile response the Bank has established an effi cient

research management system tailored to the demands of digital transformation. It has successfully cultivated a research

and innovation management mechanism that balances structured governance with flexible execution. This approach R&D Innovation Performance

ensures the steady implementation of major projects fosters rapid iterations of innovative initiatives and effectively

empowers the Bank’s business development. Metric 2025 Value

Investment in R&D and Technological Innovation (RMB 10000) 31321.29

Scientifi c Research and Innovation Management Mechanism

Number of Technological Innovation Projects 69

Hierarchical Classifi cation Mechanism Total Number of R&D Personnel 326

Structured Projects are classified into distinct categories based on their strategic significance

Number of Master’s Degree Holders 100

Governance and business complexity. This classification allows for tailored approval processes Number of Bachelor’s Degree Holders 226

resource allocation and monitoring standards ensuring precise resource distribution

Number of Industry-University-Research Partners 4

and eff ective risk management.Number of Seminars 3

Hybrid Waterfall-Agile Management Model

Flexible For product R&D projects that involve rapidly changing requirements it is essential to

Delivery adopt agile development models. This approach facilitates a swift response to evolving

business needs and ensures the delivery of high-quality outcomes through short-cycle

iterations cross-functional team collaboration and continuous delivery.

063 064Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

R&D Awards Information Security

2025 Honors and Awards in Technological Innovation In 2025 the Bank undertook a comprehensive revision of its Information Security

Management Measures along with several key provisions within Jiangsu

Changshu Rural Commercial Bank Co. Ltd. These included the Provisions

on the Organization and Development of Information Security the Anti-Virus

Security Management Provisions and the Provisions on the Management of

Information System Users and Passwords. Additionally the Bank issued the

Provisions on Wireless Network Security Management further strengthening its

information security management system. These initiatives collectively enhance

the Bank’s overall capability to ensure robust information security demonstrating

its commitment to safeguarding sensitive customer data and maintaining trust.In 2025 the Bank successfully achieved ISO/IEC 27001 certification for its

Information Security Management System. It also completed the certification

and registration for four Class-III cybersecurity protected systems and five Information Security

Yangu Data Center selected as 2025 National-Level DevOps Operation Maturity Model (DOMM) Level 3 Class-II cybersecurity protected systems. Furthermore the Bank conducts Management System Certifi cate

Green Computing Facility (fi rst in Jiangsu fi nancial sector) Certifi cation (fi rst in China’s banking industry) regular system assessments performing comprehensive evaluations of Class-III

systems annually and Class-II systems biennially thereby ensuring the integrity

and security of its information systems.In 2025 aligning with national initiatives for cybersecurity eff orts the Bank eff ectively coordinated publicity campaigns

to enhance cybersecurity and data security knowledge. This initiative included comprehensive education and training

programs aimed at raising security awareness among all staff thereby signifi cantly strengthening information security

protection for both internal and external personnel.Information Security Performance

Information Technology Development Number of Information Security Trainings

Investment (RMB 10000)

SCRUM Alliance 2025 Outstanding Delivery Practice CAICT Dingxin Cup Enterprise Architecture Management

Award (fi rst among rural commercial banks nationwide) Digital Transformation Typical Case Award 1572.53 18

Hours of Information Security Trainings Number of Attendances in Information Security

Trainings

74510

065 066Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Case Conducting Cybersecurity and Data Security Training Intellectual Property Rights Protection

In September 2025 the Bank implemented a comprehensive cybersecurity The Bank has implemented the Measures for the Management of Information Technology Intellectual Property Rights

campaign to bolster information security. This initiative was meticulously at Jiangsu Changshu Rural Commercial Bank Co. Ltd. which includes the establishment of an intellectual property

structured to empower skills and enhance awareness. First specialized incentive mechanism and a specialized performance appraisal system. Rewards of varying amounts are awarded based

training sessions for IT personnel focused on analyzing typical incidents on the approval of invention patents and software copyrights thereby enhancing the standardized management of

to strengthen their professional protective capabilities. Additionally a intellectual property rights. Additionally the Bank has conducted intellectual property training programs.knowledge assessment was administered to over 6000 employees to

ensure robust security awareness was ingrained within the organization. In 2025 the institution fi led eight patent applications received four new grants and was awarded four

Lastly the campaign included rigorous security inspections of office invention patents.terminals eff ectively mitigating potential risks at their origin.This comprehensive series of activities successfully fostered a consistent

risk prevention mindset among all staff members thereby establishing a Selected Invention Certifi cates and Software Copyrights

secure and stable digital environment conducive to business development.Invention: Intelligent Canteen Dining Management Method and System Based on Artifi cial Intelligence Algorithms

Invention: Semantic Understanding Method Based on Natural Language Processing and Technology Operation

Case Conducting Cybersecurity and Data Security Knowledge Promotion

Platform System

The Bank has undertaken a comprehensive Software Copyright: HELP Unifi ed Development Platform

approach to promote cybersecurity and data security Software Copyright: Architecture Management System

awareness. Leveraging the promotional capabilities

of its various business outlets the institution has

established a multi-dimensional offline promotion

matrix. This includes broadcasting safety awareness

videos on TV screens displaying scrolling slogans

on LED screens and distributing informational

leafl ets throughout the business halls. Furthermore

the Bank has published 15 issues of safety

awareness periodicals via its internal offi cial WeChat

account. This strategy effectively integrates online

and offline efforts to create a cohesive and robust

awareness campaign.

067 068Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Intellectual Property Training Performance 1576 Growth Engine

Number of Intellectual Hours of Intellectual Property Number of Attendances in

Property Trainings Trainings Intellectual Property Trainings

2 2 292 Organized and formulated the "1576 Growth Engine"Three-Year Digital Transformation Plan (2025-2027)

Software Copyright Performance One Vision(Goal) Five Areas Sevel Digital Capabilities Six Support Systems

Number of Software Copyright Number of Software Cumulative Number of Software Retail Bank-wide Digital Customer Insight Capability Dual Technology Foundations for Digital

Applications Filed During the Copyrights Granted During Copyrights Granted by Year-End Transformation; Strengthen data infrastructure and

Year the Year Corporate Digital Product Innovation Capability; technology infrastructure construction;

Finance Leader (Enhance

customer experience service

21 12 74 effi ciency and risk control level Micro & Small Business Digital Risk Control Capability

and increase the number of

customers)

Financial Markets Digital Operation Digital Decision-making

Capability Capability Four-dimensional Safeguards for Transformation

Plan: Organization Talent Culture Systems

Scenario-based Finance Digital Scenario Capability Digital Marketing Capability

Digital Transition

Guidance

The Bank is committed to enhancing service efficiency fostering customer loyalty optimizing cost control and

improving employee satisfaction. By leveraging digital transformation it empowers all business segments to build core

competitiveness eff ectively.Institutional Development Organizational Structure

The Bank has developed the Digital Transformation Strategic Plan for Jiangsu Changshu Rural Commercial Bank Co. The Bank has formed a Digital Transformation Leading Group to effectively coordinate the allocation of human

Ltd. (2025–2027). By adhering to a customer-centric philosophy and implementing data-driven technology-enabled fi nancial and material resources for its comprehensive digital transformation. This group will also enhance the role of

initiatives the plan introduces the “1576 Growth Engine”. This initiative aims to integrate business with data technology performance appraisal in supporting the initiative. Additionally an implementation offi ce has been established to facilitate

with business and technology with data thereby signifi cantly enhancing the Bank’s overall developmental vitality. communication between the Leading Group and various departments ensuring the digital transformation plan aligns with

established objectives.

069 070Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Transformation Actions Case Data Middle Offi ce Reconstruction and Innovative Application

In 2025 the Bank prioritized business development needs by advancing the research development and implementation To advance data application innovation and enhance development quality and efficiency the Bank has

of several key digital transformation projects ultimately enhancing experiences for both customers and employees. implemented the Data Middle Office Reconstruction and Innovative Application Practice Project. This

initiative employs Huawei DWS Data Warehouse External Schema technology to achieve lakehouse

Digital Transformation Actions resulting in accelerated batch processing API-enabled data services self-service analytical capabilities

comprehensive customer insights and indicator-based assessment scenarios within application and data

We have successfully advanced the implementation of several pivotal projects services. As a pioneering case of innovation in the fi nancial sector this project has garnered fi ve prestigious

including the online account opening feature within the Changyin Business fi nancial innovation awards including recognition from IDC China.WeChat Mini Program the development of a trade monitoring system the

intelligent enhancement of audit operations and the expansion of users on

The Bank enhances daily operations through digital transformation signifi cantly improving work effi ciency and optimizing

the treasury platform. These initiatives have significantly improved customer

customer experiences via intelligent operational upgrades.service efficiency bolstered risk management and control capabilities and

expanded business coverage for the Bank. Intelligent Operations

We launched the Changpiao Convenience Store WeChat Mini Program to

Corporate Banking facilitate the seamless transition of low-frequency corporate clients into the Automatic reply rate for paper confi rmations reached 73.37% reducing time consumption by 1217

WeChat ecosystem thereby establishing a robust platform for enhanced hours

customer outreach and service delivery.RPA automatic fi lling are achieved for electronic confi rmations with automatic reply rate reaching 98%

By enhancing services like JinChangYouXi we have enriched online customer Additional scenarios such as intelligent guidance and birthday greetings are launched cumulatively

interaction methods expanded product offerings and effectively increased serving 868 customers

customer engagement.We deployed advanced image recognition AI technology to develop a high similarity environment early

warning model for corporate new account due diligence enhancing the intelligent quality inspection of

Retail Banking due diligence photographs

Employing RPA technology has enabled the seamless automation of fi ling processes and inquiries

We successfully implemented a lead-grabbing function within the marketing regarding fi ling results successfully completing industrial and commercial fi lings for 42000 corporate

middle office optimizing lead allocation and follow-up mechanisms. This accounts

initiative established an initial digital direct sales empowerment system.A translation tool for transaction details is launched

Small and Medium The Operations Q&A Assistant was successfully optimized and integrated with DeepSeek

Business Banking

We have completed several system developments and intelligent upgrades

across various domains including queuing and call systems account reporting

image recognition post-loan management assisted credit approval office

collaboration online payment card binding group deposit products and

customer behavior tracking.Others

071 072Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Case Digital-Intelligent Service by Micro-Business Assistant Anti-bribery and Anti-corruption

The Bank has introduced a digital intelligence service model known as the Micro-Business Assistant. The Bank rigorously adheres to pertinent laws and regulations including the Supervision Law of the People’s Republic of

Utilizing WeCom as its primary platform this model has established a direct communication channel China the Criminal Law of the People’s Republic of China and the Interim Provisions on Prohibiting Commercial Bribery.between the marketing team and customers thereby creating an effi cient service pathway characterized by It consistently fortifi es integrity management within its operations establishing a robust risk prevention and control system

online response professional guidance and empowerment through benefi ts. aimed at upholding ethical standards. The Bank explicitly forbids corrupt practices such as embezzlement and bribery as

outlined in its internal policies including the Measures for Handling Employee Violations and the Sixteen Red Lines for

For instance Mr. Chen a client from one of the branches consulted the Assistant online regarding the Employee Practice. This commitment eff ectively cultivates a transparent and principled organizational environment.process of bill discounting after opening an account. Upon understanding his needs the Assistant not only

guided him through the entire procedure including electronic bill signing and business declaration but also

In 2025 the Bank did not face any legal issues related to embezzlement.provided tailored information on current promotional policies related to bill discounting and calculated a

precise quotation. This comprehensive support eff ectively reduced his fi nancing costs.The Bank maintains stringent oversight of key areas critical positions and essential processes. All new employees are

mandated to sign the Compliance Commitment the Integrity and Self-Discipline Commitment and the Practice Red

Digital Transformation Data

Line Warning Letter thereby affirming their commitment to reject commercial bribery and other unethical behaviors.Furthermore integrity trainings are conducted for newly promoted personnel and regular corporate-wide and position-

Investment in Digital Number of Branches Covered Number of Digital Renovation- specifi c educational programs are implemented. These initiatives ensure that all staff act with integrity self-restraint and

Transformation (RMB 10000) by Digital Renovation Related Trainings a fi rm commitment to ethical conduct eff ectively preventing all forms of corruption.

3871801

Anti-bribery and Anti-corruption Data

Metric 2025 Value

Total Number of Anti-Corruption Trainings 2

Total Hours of Anti-Corruption Trainings 5

Adhering to Business Ethics Total Number of Attendances in Anti-Corruption Trainings 8000

Total Number of Directors Who Received Anti-Bribery and Anti-Corruption Trainings 13

Changshu Rural Commercial Bank consistently integrates business ethics into its operational and developmental Percentage of Directors Who Received Anti-Bribery and Anti-Corruption Trainings (%) 100

processes. Guided by a commitment to integrity and a strict adherence to compliance the Bank promotes fair

Total Number of Management Personnel Who Received Anti-Bribery and Anti-Corruption

competition regulates business practices and upholds professional ethics. It cultivates developmental confidence 7

Trainings

through a strong ethical consciousness thereby fulfi lling its mission and responsibilities as a fi nancial institution. Percentage of Management Personnel Who Received Anti-Bribery and Anti-Corruption

100

Trainings (%)

In 2025 the Bank had no legal lawsuits related to violations of business ethics by its departments or Total Number of Employees Who Received Anti-Bribery and Anti-Corruption Trainings 7473

employees underscoring its commitment to responsible conduct. Percentage of Employees Who Received Anti-Bribery and Anti-Corruption Trainings (%) 100

073 074Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Employee Conduct Whistleblower Protection

In 2025 the Bank undertook a comprehensive revision of the Measures for the Administration of Abnormal Behaviors of The Bank has established the Detailed Rules for Implementing Petition Work at Jiangsu Changshu Rural Commercial

Employees at Jiangsu Changshu Rural Commercial Bank Co. Ltd. This resulted in an integrated management system Bank Co. Ltd. alongside the Measures for Rewarding Reporting Violations. These initiatives underscore the Bank’s

for employee abnormal behaviors characterized by clear authorization protocols and effective checks and balances. commitment to addressing employee concerns and safeguarding supervisory rights. By providing accessible petition and

The Bank further enhanced its oversight by implementing four robust mechanisms for compliance and case prevention reporting channels—including a dedicated hotline and email—the Bank ensures that whistleblower information is strictly

developing detailed profiles of key personnel and rigorously verifying suspicious data. These measures collectively protected.bolster the Bank’s commitment to maintaining a high standard of integrity and accountability.Measures for the Management of Abnormal Employee Behavior In 2025 the Bank achieved a 100% resolution rate for petition and reporting cases exemplifying its

eff ectiveness in fostering an open communication environment.Through the contract responsibility system and partnership approach we

Implementing

the Four establ ished a grid-based employee management framework ensuring

Mechanisms for comprehensive coverage of home visits and discussions effectively verifying Integrity Management in Bidding and Procurement

Compliance and abnormal situations and maximizing the effi cacy of the four mechanisms designed

Case Prevention

to control employee abnormal behaviors. In 2025 the Bank launched a specialized supervision initiative aimed at conducting a retroactive review of performance

within bidding and procurement projects. In accordance with the Special Supervision and Inspection Form for the

Performance of Bidding and Procurement Projects the Bank subsequently conducted a comprehensive self-inspection

of these projects. Concurrently a dynamic management ledger was established to address issues related to bidding

We organized and extracted characteristics and data of abnormal behaviors in the

procurement and project performance thereby creating a robust closed-loop management system characterized by

system establishing four major dimensions 18 categories of abnormal behaviors

Building Profi les issue rectifi cation follow-up supervision and inspection and acceptance and closure. The Bank also regularly analyzes 58 manifestations and 69 model rules. By implementing a multi-dimensional

of Key Personnel and evaluates risk points across all stages of bidding procurement and project performance with an emphasis on

of Concern monitoring indicator system we process behavioral data daily and display abnormal establishing a long-term mechanism for reducing losses and increasing efficiency in this sector. By enhancing anti-

employees in real time enabling eff ective “clear at a glance” and “check anytime”

corruption management of suppliers the Bank effectively standardizes the business practices of its partners and

management of employee behaviors.reinforces the integrity of procurement processes.We have set up a multi-departmental verifi cation team by integrating resources from Antitrust and Fair Competition

legal compliance audit discipline inspection and risk management departments.Establishing a This collaborative approach enables a layered verifi cation process for suspicious The Bank adheres rigorously to the Anti-Unfair Competition Law of the People’s Republic of China. This law explicitly

Joint Verifi cation

Mechanism for data from both internal and external sources facilitating joint model development prohibits all business operations from engaging in practices such as confusion acts false publicity harm to others’

Suspicious Data information sharing and resource allocation. Ultimately this strategy transforms business reputations or infringement of trade secrets thereby ensuring the protection of market order.our response capability from a singular defense to a robust multi-departmental

approach to prevention and control.In 2025 the Bank did not encounter any lawsuits or signifi cant administrative penalties related to

unfair competition practices.

075 076Governance Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Governance

Coordination of Interests of All Improving Information Disclosure

Parties The Bank has established comprehensive policies including the Administrative Measures for Information Disclosure the Management Policy for Insiders the Measures for Accountability of Major Errors in Annual Report Information and the

Procedures for the Preparation of Regular Reports. These frameworks eff ectively standardize the approval processes for

Changshu Rural Commercial Bank has signifi cantly enhanced its information disclosure practices and has consistently submitting material information and enhance information disclosure practices ensuring the Bank fulfi lls its obligations as

refined its communication mechanisms with investors. The Bank is dedicated to establishing a standardized and a listed company.transparent framework for information exchange ensuring the protection of investors’ legitimate rights and interests.The Bank rigorously adheres to regulatory requirements by disclosing all relevant information in a truthful accurate

Protection of the Rights and Interests of Minority complete and timely manner. This is achieved through authoritative channels including the Shanghai Stock Exchange

Shareholders website Securities Times China Securities Journal and Shanghai Securities News as well as its offi cial website. In its annual report the Bank provides a comprehensive overview of its fundamental profile corporate governance equity

management fi nancial accounting and risk management fulfi lling its disclosure obligations for signifi cant events that

The Bank eff ectively safeguards the rights of minority shareholders to access information and participate in decision-

occur during the reporting period.making through the establishment of an equitable voting mechanism. By implementing a transparent information

disclosure system and an efficient communication framework the Bank ensures that minority shareholders are

kept informed of its operations and significant decision-making developments in a timely manner. Additionally the In 2025 the Bank issued a total of 91 announcements comprising 4 regular reports 60 interim

Bank proactively disseminates essential information such as meeting invitations and detailed motion proposals for announcements and 27 additional documents. It has sustained an A-rating in the Shanghai Stock

shareholders’ meetings via intelligent SMS reminders. This approach empowers all shareholders particularly minority Exchange’s information disclosure evaluation for seven consecutive years.investors to conveniently exercise their rights to information and vote on major corporate matters.Investor Relations Management

The Bank places signifi cant emphasis on investor relations management implementing a robust two-way communication

strategy characterized by actively reaching out and proactively inviting in. By conducting reverse roadshows in key cities

such as Shanghai Beijing and Shenzhen as well as participating in strategic conferences hosted by securities fi rms

the Bank consistently enhances the confidence of institutional investors while attracting potential new stakeholders.Furthermore by sincerely inviting these investors for on-site visits the Bank enables them to gain an in-depth

understanding of its operations thereby reinforcing their confi dence. Additionally the establishment of an investor hotline

and an e-interaction platform (https://sns.sseinfo.com/)demonstrates the Bank’s commitment to promptly addressing

investors’ concerns and fostering transparent communication.In 2025 the Bank demonstrated a robust commitment to investor relations through high-frequency

engagement. It conducted 63 batches of on-site and telephone surveys with institutional investors

encompassing 262 unique participants and 384 interactions. Additionally the Bank participated in

12 strategic conferences hosted by securities fi rms and organized 22 one-to-many communication

sessions engaging 100 institutional investors and facilitating 122 interactions.

077 078Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Environmental

Green Foundation Empowered Low-

Carbon Development

Changshu Rural Commercial Bank is fully committed to aligning its

operations with the national Dual Carbon goals. By integrating green

and low-carbon principles into its operational framework the Bank

systematically advances the development of a robust green fi nance

system. It aims to establish a sustainable financial service model

encompassing various dimensions including credit investment and

operations. This initiative empowers green industries through tailored

financial products and services. Furthermore the Bank proactively

addresses the challenges and opportunities posed by climate

change embodies the principles of green operation and takes

significant steps to fulfill its environmental responsibilities. In doing

so it is poised to provide substantial fi nancial support for the green

transformation of the regional economy.

2025 Highlights

Green Credit Balance Year-on-Year Growth Rate Green Bond Holdings Balance

(RMB 100 million) of Green Credit Balance (%) (RMB 100 million)

32.1617.4215.02

Responses to UN SDGs

079 080Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental Spotlight

Spotlight Improving the Financial System

for Agriculture Rural Areas and

Cultivating Agriculture Farmers

Rural Areas and Farmers for Changshu Rural Commercial Bank is resolutely committed to leveraging finance to promote rural revitalization and

the modernization of agriculture and rural areas. It continuously enhances its financial management system tailored

Rural Revitalization to agriculture rural development and the needs of farmers. The Bank diligently implements the Three-Year Plan for Financial Support for Rural Revitalization (2024–2026) capitalizing on its strengths as a community-focused institution. In

doing so it endeavors to establish a sustainable model of fi nancial services for rural revitalization with distinct Changshu

Changshu Rural Commercial Bank has adeptly implemented the guiding principles established by the 20th CPC National

characteristics.Congress and the Third Plenary Session of the 20th CPC Central Committee. The Bank has thoroughly engaged

with significant insights regarding agriculture rural areas and farmers. Additionally it has drawn on the successful

experiences from the Project of Thousand Villages Demonstration and Ten Thousand Villages Renovation while aligning

its actions with the strategic decisions of the central government Jiangsu Province and Suzhou City pertaining to Party Building Leading the Eff orts to Support

agricultural initiatives. Demonstrating a profound commitment to enhancing the livelihoods of farmers and strengthening Agriculture Rural Areas and Farmers

rural communities the Bank has embraced its mission with resolve. It has implemented multiple strategies to eff ectively

allocate fi nancial resources towards fostering high-quality agricultural development creating livable and business-friendly The Bank has consistently advanced its initiative of Party Building Guidance Finance for the People and Support

rural environments and ensuring the prosperity of farmers. for Rural Revitalization. It remains steadfast in its commitment to promoting rural revitalization under the auspices of

Party leadership effectively harnessing the exemplary roles of Party members and officials. Furthermore the Bank

2025 Highlights continuously expands its circle of partners through strategic Party building pairing. By ensuring comprehensive coverage

of paired co-construction in local towns and subdistricts the Bank has fostered consensus on joint development with

Agriculture-Related Loan Balance Number of Agriculture-Related government departments and local enterprises in Changshu Municipality. This collaborative approach has deepened

(RMB 100 million) Credit Customers business cooperation and facilitated engagement

1368.47 421912 in rural governance. Innovatively the Bank has implemented a government-bank secondment model

launching the specialized program Rural Revitalization

Credit Extension Amount Under “Three Credits” Coverage Rate of “Three Credits” Feiyan Commissioners. This secondment mechanism

(Three Types of Credit) (RMB 100 million) Credit Extension (%) characterized by fixed villages fixed schedules

and fixed services deploys financial professionals

335+ 82+ with substantial agricultural and rural experience to

towns and villages. Additionally the Bank has refi ned

its service model by ensuring outreach to villages

2025 Honors Related to Agriculture Rural Areas and Farmers

households and enterprises thereby promoting

inclusive financial services that penetrate rural

Outstanding Brand for New Media Publicity in

communities and establish a robust “iron army” of rural Visiting FarmersRural Finance Serving Rural Revitalization

fi nance.Awarding Entity：China Rural Finance Magazine China Banking and Insurance News China Financial Media

Corporation

081 082Environmental Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental Spotlight

Strengthening the Talent Foundation Strengthening Frontline service personnel receive training through both offline and online

Training for platforms emphasizing the development of their professional skills and

The Bank is proactively enhancing its talent team dedicated to agriculture rural development and the welfare of farmers. Agriculture-

Rural-Farmer competence. This approach significantly enhances the professionalism and

By prioritizing talent allocation in these critical sectors and intensifying training programs for the relevant workforce the Sector accuracy of services provided to agriculture rural communities and farmers.Bank transforms its human resources into tangible outcomes that bolster rural revitalization. This strategic initiative is

designed to channel a consistent stream of fi nancial resources toward the modernization of agriculture and rural areas.Strengthening Financial Services for Agriculture

By the end of 2025 the number of staff engaged in agriculture-related fi nancial services reached 2867. Rural Areas and Farmers

Measures for the Development of the Talent Team Serving Agriculture Rural Areas and Farmers Extending the Coverage of the “Three Credits” System

The Bank is committed to enhancing agriculture rural development and support In 2024 the Bank established a specialized task force dedicated to the development of the Three Credits initiative led Strengthening

the Agriculture- for farmers and micro small and medium-sized enterprises. In alignment with by a prominent leader from the head office. Through the collaborative efforts of various departments—including the

Rural-Farmer the establishment of a robust professional qualification system the Bank has Agricultural and Rural Finance Department Retail Banking Headquarters Microfi nance Headquarters Corporate Banking

Team Sector

developed the Kunpeng Soaring Talent Development Program specifically for Department Online Finance Department and Finance Technology Headquarters—the Bank effectively promotes the

frontline employees engaged in agriculture-related activities. This program implementation of the Three Credits program. This initiative aims to enhance comprehensive services for agriculture and

incorporates key business certifications capability level assessments rural areas thereby reinforcing the institution's commitment to supporting these vital sectors.professional qualifications and targeted training initiatives. These efforts have

successfully identifi ed and nurtured a cadre of professionals renowned for their

exceptional business performance leadership qualities value alignment and By the end of 2025 the Bank's Three Credits model was successfully implemented in seven

comprehensive skill sets. subdistricts and towns: Haiyu Town Shajiabang Town Meili Town Shanghu Town Dongbang Town

By leveraging five specialized teams—covering operation management Xinzhuang Town and Changfu Subdistrict. Nearly 85000 clients received credit lines with the total

corporate banking microfinance inclusive finance and household finance— credit amount surpassing RMB 33.5 billion achieving a credit coverage rate of over 82%. Notably

112 agricultural clients were granted credit amounting to RMB 1.61 billion. The Three Credits initiative

the Bank effectively delivers financial services to farmers bolsters agricultural

has yielded outstanding results.production and stimulates rural economic development within its operational

regions.Promoting the Whole-Village Credit Granting Program

Prioritizing The Bank prioritizes the allocation of talent to specialized sectors within

Talent Allocation

to Agriculture- agriculture-related finance assigning employees to grassroots frontlines to

Rural-Farmer enhance their profi ciency in delivering these vital fi nancial services. The Bank actively advances a comprehensive approach to credit distribution targeting entire villages districts markets

Sector and commercial clusters. By emphasizing critical sectors—such as stabilizing agricultural production bolstering local

A structured rotation and exchange system connecting head office staff with township industries and facilitating projects aimed at modernizing agriculture and rural development—it effectively

frontline operations effectively bolsters grassroots staffing while facilitating delivers fi nancial services to rural micro and small enterprises self-employed households and innovative agricultural

the communication of development progress in agriculture-related initiatives. business entities.This approach enables the headquarters to adapt its service strategies and

product offerings promptly ensuring that new solutions align with the needs

of farmers and rural economic development thereby improving their practical

implementation.

083 084Environmental Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental Spotlight

Case The Southern Jiangsu Grid Service System Ensuring Stable Production and Supply of

Key Agricultural Products

The Bank systematically promotes the development of the Southern Jiangsu Grid by implementing a

model characterized by designated individual accountability area-based responsibility and refined role The Bank has systematically explored approval models for grain cultivation breeding and other agricultural sectors. It

delineation. By establishing its presence within commercial districts the Bank has created a financial has expedited credit approval and decision-making processes for these industries signifi cantly enhancing the effi ciency

services network that guarantees accessibility within a fi ve-minute radius. Leveraging the unique attributes of approvals for key agricultural product clients. The Bank has strategically directed credit funds toward essential

of various industries and industrial parks the Bank strategically targets agricultural sectors to sustain price stability for major products in the region.core clients specifi cally small and medium-sized textile manufacturers By the end of December 2025 the Bank had successfully provided loans totaling RMB 2.261 billion

associated with merchants in these zones. By prioritizing their fi nancing to 8471 grain production and cultivation entities and RMB 287 million to 892 hog breeding entities

requirements—marked by the critical attributes of speed accuracy and thereby ensuring a stable supply of agricultural products in the region.stability—the Bank has developed a diff erentiated and precise service

system. Additionally within the established grids the Bank regularly

conducts public activities including one to two anti-fraud campaigns Case Targeted Solutions to Financing Pain Points and a Full-Cycle Inclusive Finance for Agriculture

and financial literacy events each month. In collaboration with village

committees the Bank further organizes monthly community welfare Qionghai Xingfu Country Bank a subsidiary of the Bank employs customized unsecured credit products

initiatives providing essential services such as scissor sharpening and as its primary strategy. By addressing the specific financing challenges faced by leopard coral grouper

eyeglass cleaning to enhance community engagement. farmers—whom traditional fi nancial services often overlook—the bank has eff ectively resolved the industry's

pervasive issue of fi nancing inaccessibility for breeders.Measures for Whole-Village Credit Granting Initiative The Bank has signifi cantly expanded its service scope transcending the traditional model of capital supply

to establish a comprehensive closed-loop service system that encompasses the entire industrial cycle.This innovative approach includes exclusive discounts for the purchase of breeding supplies professional

The Bank has made signifi cant strides in enhancing the grids in Changshu by employing a refi ned micro- technical consulting during the farming period and support for sales channel matching post-harvest. By

grid model tailored to rural areas. Through the Flying to Local Homes initiative executed in collaboration providing essential fi nancial backing the Bank not only mitigates operational risks but also ensures stable

with the Organization Department of the Municipal Party Committee the Bank has successfully established income for farmers through its full-chain assistance. To implement inclusive fi nance the Bank leverages the

comprehensive Party-building coverage in village committees. Its staff members designated as Feiyan inherent trust networks within villages and communities facilitating access to small and widely dispersed

Wealth-Creation Commissioners consistently engage with local villages and integrate seamlessly into the rural households via a targeted contact mechanism. This strategy has markedly enhanced the accessibility

grid management team reinforcing their commitment to community development. of financial services effectively aiding hundreds of farmers in scaling their production and improving

operational returns. Consequently the Bank has achieved a mutually benefi cial outcome that harmonizes

In urban grids the community steward model is implemented eff ectively. As part of the Flying to Local

agricultural support with commercially sustainable development.Homes campaign secondary branch presidents and service managers assume temporary roles as Feiyan

Wealth-Creation Commissioners. They actively engage in community services and governance thereby

enhancing local participation and leadership within residential communities.The Bank has strategically explored the development of non-local grids positioning rural markets

as pivotal offline fronts for microfinance services and establishing robust rural strategic bases. By

capitalizing on marketing opportunities through grid-based outreach the Bank has developed an intricate

system encompassing six interrelated networks. This comprehensive approach ensures that personnel

responsibilities business operations and performance assessments are meticulously integrated into the

grids thus facilitating phased and steady progress that supports the rapid implementation of associated

projects.

085 086Environmental Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental Spotlight

Focusing on Major Agricultural and Rural Projects Deploying Financial Services for Agriculture Rural

Areas and Farmers

The Bank has consistently prioritized key initiatives including the Beautiful Villages Program enhancements to rural

living conditions and the development of high-standard ponds. With a steadfast commitment to comprehensive Cultivating Novel Types of Agricultural Business Entities

ecological development the Bank actively supports the establishment of distinctive pastoral communities and promotes

the integrated growth of primary secondary and tertiary industries particularly rural tourism. The institution maintains The Bank has actively supported the development of new-type agricultural business entities by addressing their

continuous communication with major agricultural and rural projects within its service area to promptly address their fundamental challenges particularly insuffi cient guarantee capacity and the diffi culties and high costs associated with

funding requirements. fi nancing. In 2025 the Bank eff ectively utilized specialized products such as the Sunong Loan Huinong Express Loan

and Nongying Loan to meet the funding needs of agricultural business entities throughout the city.In 2025 the Bank successfully provided credit facilities to 27 signifi cant agricultural and rural projects

amounting to a total credit line of RMB 520 million. Of these 17 projects have received disbursements

with actual loan support reaching RMB 200 million. By the end of December 2025 the Bank had supported 508 new-type agricultural business entities with

a cumulative fi nancing total of RMB 951 million.Case Supporting the Development of Distinctive Pastoral Villages

Case Diff erentiated Finance Empowers the Whole Industry Chain and Connects Small Farmers with Modern Agriculture

Upon discovering that a customer encountered a funding shortfall for its unique pastoral village construction

project the Bank proactively visited the site to gain insight into the construction plan. The Bank then aligned Yichang Xingfu Country Bank a subsidiary of the Bank has taken targeted strategies to address critical

the enterprise with its specialized Characteristic Pastoral Village Loan product ultimately securing a total challenges within the citrus industry. By concentrating on fundamental issues such as insufficient collateral

credit line of RMB 40 million and off ering favorable loan interest rates. among small-scale farmers and the extended operating cycles of large-scale producers the Bank has

successfully introduced an innovative differentiated credit product system. This system includes small-sum

Upon completion the project will signifi cantly enhance the integrated development of rural leisure tourism credit facilities with fl exible repayment options and medium- to long-term loans for industrial upgrading thereby

alongside the region's primary and secondary industries. It will increase residents' income broaden eff ectively integrating fi nancial services into the production cycle of the industry.employment opportunities and bolster sustainable economic growth in the area.The Bank has established a comprehensive support model that encompasses the entire industrial chain

of planting-processing-circulation. This approach not only addresses the funding requirements for fertilizer

preparation prior to production and management during the growth period but also aids processing enterprises

in upgrading technologies to enhance product value through targeted credit solutions. Furthermore it facilitates

the development of e-commerce channels eff ectively reducing the payment collection cycle. As a result this

integrated strategy reduces costs and improves effi ciency throughout the industrial chain allowing farmers to

fully benefi t from the value-added opportunities across the entire process.Facilitating the Development of Regional Characteristic Industries

The Bank has consistently prioritized the enhancement of the agricultural industry committing to the advancement of

agricultural modernization. Leveraging specialized products such as the Nongjian Loan and the Nongying Loan the

Bank eff ectively fosters the long-term growth of characteristic leisure and green agriculture. This strategy ensures a

simultaneous enhancement of rural fi nancial service capacity and operational effi ciency.By the end of December 2025 the Bank successfully served a total of 241 clients through its distinctive

Nongying Loan and Nongjian Loan products culminating in an impressive outstanding loan balance of

RMB 2.223 billion.

087 088Environmental Spotlight Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental Spotlight

Case Empowering Enterprise Production and Operation and Implementing the Rural Revitalization Case Building a Digital Platform System for Rural RevitalizationStrategy

Focused on the objective of enriching people and strengthening villages the Bank has developed a robust

To implement the rural revitalization strategy and focus on upgrading the unique aquatic industry in digital platform that integrates the Enrich People & Strengthen Villages System the Xingfu Map System

Shajiabang our Bank has precisely cooperated with Changshu Shajiabang Huzhezhiba Crab Industry Co. and the ACRM Customer Relationship Management System.Ltd. to solve its fi nancing diffi culties and empower rural revitalization with fi nancial strength.The Enrich People & Strengthen Villages System serves as the foundational platform for the Bank’s grid-

Specializing in the ecological breeding and sales of mitten crabs the company drives the development of based marketing strategy. This system segments the business coverage area of country banks into multiple

surrounding crab farmers. However it faces problems such as lack of mortgage due to light assets and grids facilitating the standardization of essential processes such as customer profiling on-site data

seasonal funding gaps. Our Bank promptly contacted with the company and provided the company with an collection credit review granting and management. This transformation enables a proactive approach

RMB 3.5 million loan under the Nongying Loan product to support and promote its production and operation. to customer engagement shifting from a model of waiting for customers to one of identifying customer

needs significantly enhancing both customer coverage and service depth. Moreover the Xingfu Map

This initiative promotes the transformation of the Shajiabang mitten crab industry toward standardization and System eff ectively visualizes the business domain empowering frontline staff to develop targeted marketing

branding demonstrating the responsibility and commitment of fi nancial institutions in precisely supporting strategies informed by geographic data. The implementation of a map check-in mechanism standardizes

agriculture and boosting the prosperity of rural industries. and drives the visits of customer managers ensuring a systematic approach to customer interaction. This

system is seamlessly integrated with the ACRM system off ering one-click access to customer data and

real-time insights into product status. Collectively these innovations provide robust support for precision

Pushing Digital Transformation marketing and eff ective customer management.The Bank's Digital Smart Platform for Rural Revitalization is strategically designed to support rural revitalization

objectives by off ering comprehensive open and adaptable one-stop fi nancial services tailored for towns and villages.By establishing a capital circulation system that encompasses assets resources – property rights transactions – fund

management – fi nancial statistics the platform ensures closed-loop management and thorough supervision of the three

asset types within village collective economic organizations. Furthermore it seamlessly connects data between the

property rights exchange platform and fi nancial systems facilitating one-stop operations. This integration enhances the

alignment of fi nancial services with rural grassroots governance signifi cantly improving accessibility to rural fi nance.Since 2025 the platform has attracted 1164 users facilitating over 230500 operations executing

154200 revenue and expenditure transactions and generating a cumulative transaction volume of

RMB 15.6 billion.

089 090Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Enhancing Environmental The Bank’s Internal Environmental Policies and Procedures (Excerpt)

Management Green Finance Strategy and Plans Green Finance Implementation Rules

G r e e n F i n a n c e D e v e l o p m e n t S t r a t e g y a n d Implementat ion Rules for Financial Asset Risk

Implementation Outline (2026–2030) Classifi cation (Trial)

Changshu Rural Commercial Bank has successfully implemented the directives from the Fourth Plenary Session of Green Finance Development Work Plan Administ rat ive Measures for Green Financing

the 20th Central Committee regarding the establishment of a modern environmental governance system. The Bank Identifi cation

Guiding Opinions on Strengthening Green Finance

rigorously adheres to environmental laws and regulations integrates guidelines for green development within the banking

Management

sector and continually refi nes its green fi nance management framework. This commitment enables the Bank to enhance

its capabilities in green business development product innovation service delivery and environmental risk management.Departmental Policies for Green Finance Green Finance Product Operating Procedures

Compliance with External Environmental Policies and RegulationsAdministrative Measures for Internal Control of Green and Operating Procedures for “Environmental ProtectionLow-Carbon Transition Finance Service Center Loan” Business

Environmental Protection Law of the People's Republic of China Administrative Measures for Account Manager Teams of Operating Procedures for “Su Carbon Finance”

Water Pollution Prevention and Control Action Plan Green and Low-Carbon Transition Finance Service Center Business

Air Pollution Prevention and Control Action Plan Performance Assessment Plan for Green and Low-Carbon Operating Procedures for Solar Distributed Power

Soil Pollution Prevention and Control Action Plan Transition Finance Service Center Generation Energy Mortgage LoansEnvironmental

Laws and Measures on Due Diligence Exemption for Loans of Green Operating Procedures for “Pollution Discharge Loan”

Regulations and Low-Carbon Transition Finance Service Center Business

Opinions on Accelerating the Construction of Ecological Civilization

Guiding Opinions on Building a Green Finance System

Green Finance Guidelines for Banking and Insurance Industries Climate Change Response

Industry Action Opinions on “Four Safeguards and Six Enhancements” for Serving the New

Green Development Pattern

Guidelines Green Finance Evaluation Scheme for Banking Financial Institutions Governance

Opinions on Green and Low-Carbon Financial Reform and Innovation in Suzhou

Implementation Plan for High-Quality Development of Green Finance in Banking and Changshu Rural Commercial Bank prioritizes climate-related issues within its sustainable development governance

Insurance Industries framework. Signifi cant matters are thoughtfully reviewed and determined by the Board of Directors. The Board along

Opinions on Leveraging the Role of Green Finance to Serve the Construction of Beautiful with its Strategy and Agriculture Rural Areas and Farmers Finance Committee is tasked with developing the Bank's

China sustainable development strategies including initiatives to address climate change. This structured approach enables the

Bank to signifi cantly enhance its capabilities in sustainable development in the face of climate challenges.

091 092Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Strategy Impact Risk Type Risk Factor Risk Description Timeframe

Level

China has clearly articulated its objectives of carbon

The Bank seamlessly integrates the national Dual Carbon policy orientation into its operational framework. In alignment peaking and carbon neutrality resulting in increasingly

with the IFRS S2 Climate-related Disclosures established by the International Sustainability Standards Board (ISSB) stringent regulations surrounding climate and environmental management policies. As the carbon trading market continues

it systematically identifies and assesses climate change-related risks and opportunities evaluates their impacts on the to evolve it is anticipated that the prices of carbon emission

Bank's operations and financial standing and formulates strategic response plans accordingly. Legal and allowances will consistently rise. This trend will significantly Medium to

Policy Risk impact the production and operations of the Bank's high- Long Term High

emission clients particularly in the textile rubber and

Climate-Related Risk Identification and Response Strategies plastic products and automotive manufacturing sectors.Consequently these clients may encounter substantial risks

including reduced production operational suspensions

Impact increased costs and diminished profits.Risk Type Risk Factor Risk Description Timeframe

Level

The promotion and application of environmentally friendly

Manufacturing constitutes a significant portion of the Bank's credit technologies such as new energy energy efficiency

portfolio primarily encompassing production and processing improvement and energy conservation and emission reduction

Technology have brought new market opportunities to the industry's Medium to activities along with the operation of electrical equipment and Mediumbusiness. The digital transformation of banks empowered by Long Term

facilities. financial technology has brought new opportunities for the

Extreme weather events such as heavy rains and floods can Bank's products optimization and the services innovation.Transition

jeopardize the functionality of production sites and compromise Short-to

Acute Riskthe safety and stability of processing equipment. These disruptions Medium Low

often lead to considerable negative consequences for regular term

production and operations including production halts and work Influenced by global responsible investment trends and

stoppages ultimately resulting in significant losses in operating regional sustainable development policies as well as

benefits. Moreover such events can hinder the normal operations Market heightened attention to ESG issues across all market Medium to

Physical of the Bank’s branches and business offices resulting in further participants consumer and investor preferences will inevitably Long Term

Medium

Risk operational losses. evolve.Suzhou's flat terrain is characterized by a network of

interconnected rivers and lakes. However rising temperatures and

sea levels pose a significant threat to the region's infrastructure Concepts such as green development environmental

industrial and civil buildings and agricultural production activities protection and sustainable development have increasingly

garnered public recognition. Stakeholders are becoming

Chronic along these waterways. The repercussions of these environmental Long changes are likely to result in substantial operational losses which Term Low more concerned about enterprises' detrimental environmental

could adversely affect the financial performance of the relevant Reputation and climate-related impacts leading to shifts in consumer Long Term Mediumpreferences. Enterprises with inadequate environmental

enterprises. Such spillover effects underscore the urgent need performance risk significant reputational damage which will

for proactive measures to mitigate potential risks and enhance affect both the businesses themselves and their banking

resilience in the face of climate change. partners.

093 094Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

In light of its operational characteristics and market positioning the Bank conducts a comprehensive assessment of the Climate Risk Response Measures

opportunities presented by the green and low-carbon transition amid climate change. It actively accelerates innovation in

green fi nancial products and services enhances its green product system capitalizes on unique development prospects

Risk Type Risk Factor Response Measures

in the economy's low-carbon transformation and cultivates sustainable competitive advantages.The Bank monitors geological and natural disasters impacting project construction

Climate-Related Opportunity Identifi cation and Response Strategies particularly within the manufacturing sector. This vigilant oversight aims to mitigate

risks associated with borrowers' impaired debt-servicing capacity and to prevent

Acute potential safety hazards within relevant businesses. Concurrently the Bank is

Opportunity Type/ committed to enhancing its green offi ce operations refi ning the early warning and

Factor Opportunity Description Response Strategies prevention system for natural disasters and conducting regular emergency drills to

Physical Risk ensure preparedness.The green industry as a national strategic The Bank has advanced the innovation

Opportunity emerging sector exhibits diverse and of green credi t products ta i lored for The Bank adopts a proactive approach by conducting stress testing for climate and

Relating to personalized financial needs among agriculture rural areas farmers and micro environmental risks. It systematically integrates these risk factors into its quantitative

Products and its market participants. By consistently and small enterprises. It has conducted Chronic

and effectively promoting the innovation comprehensive market research leading models and swiftly implements risk prevention and control measures based on the Services of green financial products the Bank to the timely development and launch of outcomes of the analysis.signifi cantly enhances the alignment of its standardized loan financing models and

fi nancial service system and capabilities low-carbon financial products. Additionally The Bank rigorously enforces a one-vote veto system for environmental protection

with national development strategies. the Bank has strengthened its scientifi c and

technological support thereby enhancing enhancing the integration of environmental protection labels into its operational

f inancial services for environmentally Laws and framework. Furthermore it intensifi es the tracking and management of high energy-

conscious customers. This comprehensive Policies consuming and high-emission clients through comprehensive risk early warning approach deepens the integration of green systems and robust post-lending management practices. Concurrently the Bank is

fi nancial services and eff ectively addresses optimizing its asset structure steadily increasing support for high-quality industries

the pressing needs for green fi nancing. characterized by low energy consumption and minimal emissions.The development of the carbon market The Bank analyzes policies pertinent The Bank monitors the carbon emission carbon reduction energy conservation

Market coupled with the expanding financial to the carbon market and carbon and transformation & upgrading of investment and fi nancing projects (clients)

Opportunity attr ibutes of carbon trading offers f inance. By leverag ing i ts robust and strengthens the review of clients' performance in energy conservation and

significant opportunities for the Bank's research capabilities and extensive emission reduction. In the future in line with relevant internal and external policy

credit product innovation. By creating client resources it proactively evaluates

carbon financial products the Bank trends in carbon finance strategically Technology guidelines it will increase support for low-carbon transition projects of high-quality

not only establishes a differentiated positioning its product offerings in this and high-potential clients. In addition the Bank will conduct in-depth market analysis

competitive advantage but also eff ectively emerging sector. and strategic planning for digital transformation advance its transformation and

aligns with the prevailing trend of the Transition upgrading in close alignment with business demand and cautiously guard against

green and low-carbon transition. Risk cost input risks arising from biased technology investment.The Bank will refi ne its asset allocation in alignment with its green fi nance

Market development strategy. It will enhance the integration of green fi nance topics within its long-term communication mechanisms with investors and fully innovate climate

Impact Risk and Opportunity Management friendly and environment friendly products and services.The Bank consistently strengthens its ability to identify quantify monitor and provide early warnings regarding climate- The Bank will implement key initiatives in line with its green fi nance strategic plan.related risks seamlessly integrating these risks into its comprehensive risk management framework. It enhances the It will continuously enhance its performance in green fi nance and sustainable offi ce operations. Furthermore the Bank will provide robust guidance to customers

management of impacts risks and opportunities. By employing forward-looking risk planning and scientifi cally informed Reputation and proactively disclose relevant information to the public and market through

management mechanisms the Bank establishes a closed-loop management process for these elements thereby laying environmental disclosures and other channels. This strategy aims to establish a

a robust foundation for its high-quality development. This proactive approach not only mitigates potential threats but also positive institutional image and bolster public trust.positions the Bank as a leader in sustainable fi nancial practices.

095 096Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Climate-Related Scenario Analysis Metrics and Targets

The Bank has performed specialized environmental risk sensitivity analyses for clients operating in environmentally The Bank utilizes greenhouse gas emissions as a key indicator for eff ective climate change management. Given the

sensitive sectors including chemicals printing and dyeing and non-metallic mineral products. By establishing three operational characteristics of the banking industry these emissions are categorized as direct greenhouse gas emissions

distinct stress scenarios—mild moderate and severe—the Bank evaluates potential outcomes under conditions such as from operational activities (Scope 1) and indirect greenhouse gas emissions derived from energy consumption (Scope 2).stricter energy conservation and emissions reduction policies or failure to comply with environmental standards. These Comprehensive details regarding the measurement and management of Scope 1 and Scope 2 emissions are presented

analyses indicate that the internal credit ratings of aff ected clients currently categorized as Normal or Concern within the in the section Taking Green Actions.fi ve-category loan classifi cation system could be downgraded by two three or four notches respectively. The fi ndings of

this analysis have been systematically integrated into comprehensive risk management processes encompassing credit

approval credit policy formulation industry limit management post-lending monitoring and risk reporting. Green Investing and Financing

The sensitivity analysis results demonstrate that the Bank's credit resource allocation has consistently prioritized

industries and enterprises characterized by low energy consumption pollution and emissions. Consequently the overall Green Investing and Financing Management

scale of credit assets exposed to environmental factors remains limited. Even in extreme scenarios the anticipated

incremental default risk is generally manageable.Development of Green Investing and Financing Mechanisms

Quantitative Analysis of Environmental Risks

The Bank has consistently enhanced its green investment and financing management mechanisms effectively

integrating ESG factors throughout the credit review process. It staunchly enforces the veto system for enterprises that

Environmental Factor Sensitivity Analysis do not meet environmental protection and workplace safety standards prohibiting the issuance of new credit to those

with signifi cant violations in these areas that have yet to address their shortcomings. Additionally the Bank harnesses

Our Bank focuses on enterprises in industries vulnerable to

technological advancements to bolster the development of green finance. By utilizing big data artificial intelligence

environmental risks such as chemical printing and dyeing

and other innovative technologies it has incorporated a green classifi cation label into its credit management framework

and non-metallic mineral products.and integrated ESG-related risk alerts into its risk early warning system. The Bank also facilitates a streamlined credit

Severe Scenario

Internal Credit Rating Downgrade approval process for green credit initiatives and clients within the green low-carbon and circular economy sectors

thereby promoting the sustainable transformation of its asset structure and supporting the robust development of green

It is assumed that customers with a fi ve-level classifi cation and low-carbon industries.Moderate Scenario of "Normal" and "Special Mention" will be affected by

factors such as energy conservation and emission The Bank has developed a comprehensive ESG training mechanism and implemented targeted risk training programs to

reduction policies and failure to meet environmental impact enhance employees' awareness of ESG risks and their professional competencies. This strategic approach promotes the

assessment standards. Under mild moderate and severe implementation of robust environmental and social risk management measures.Mild Scenario scenarios their internal credit ratings will be downgraded

by 2 3 and 4 levels respectively.Credit Granting Performance of Changshu Rural Commercial Bank

Result Application

Evaluate the impact of three different scenarios on the

quality of the Bank's credit assets and apply the results Number of Clients Supported by Green Amount of Green Credit Granted (RMB 100

Credit million)

to credit approval credit policies limit setting post-loan

monitoring and risk reporting

369747.08

097 098Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Integration of ESG Factors into Credit Approval Process Effi cient Approval Mechanism for Green Credit

Check “Green Channel” Approval Mechanism

We have established streamlined credit approval channels for green low-carbon and circular economy

We conduct a thorough investigation and assessment of the environmental and social impacts associated initiatives implementing measures such as simultaneous operations between approvers and account

with clients and their projects. This process involves reviewing both the historical and current profi les of managers as well as proactive loan assessments. This approach enables the creation of an integrated

clients' environmental and social risks as well as identifying potential issues. Timely and accurately we business management model that eff ectively combines front-end marketing with middle-end credit approval

classify loans as Green Loan or Non-Green Loan within the credit system. thereby enhancing our support eff orts.We emphasize enhancing due diligence regarding enterprises' actual pollution discharge status and their

possession of relevant permits and certifi cations.“Fast Track” Loan Approval Model

Review We have simplified credit documentation for high-quality green financing projects by streamlining credit

approval processes and implementing hierarchical categorized credit extension methods. Our eff orts have led

to enhanced approval effi ciency achieving completion of credit approvals for projects below RMB 15 million

We perform rigorous compliance reviews related to the essential conditions for project initiation and

within 1.5 working days and those above RMB 15 million within 5 working days.construction. This includes ensuring adherence to industrial policies market access standards project

approvals verifi cation or fi ling procedures and confi rming the qualifi cations of the approving or verifying

authorities.Green Investment and Financing Performance

We prioritize the legality of project initiation procedures and substantive compliance requirements. New

projects must align with national industrial policies and development trends and their environmental Green Investment and Financing Performance

impact assessments must conform to overarching planning requirements.Green Credit

Approval

In 2025 the Bank allocated its green loans across seven distinct categories of green industries ranked by

We perform a thorough assessment of the project's overall risks and favorable factors encompassing proportion from highest to lowest: Energy Conservation and Carbon Reduction Industries at 25.40% Green

environmental and social impacts. This analysis informs the final loan plan and establishes effective Infrastructure Upgrade at 22.58% Ecological Protection Restoration and Utilization at 15.55% Environmental

feasible disbursement conditions and management requirements. Protection Industries at 15.10% the Green and Low-Carbon Energy Transition at 10.93% Resource Recycling

Industries at 10.04% and Green Services at 0.40%.By the end of 2025 the outstanding balance of the Bank’s green credit portfolio reached RMB 3.216 billion

Post-Lending refl ecting a year-on-year growth of 17.42% with a total of 3697 green loan customers.Clients experiencing changes during the credit year—such as downgraded environmental ratings

revocation of essential business qualifi cations or outstanding penalties from environmental protection

authorities—must rectify issues and adjust their credit plans according to actual conditions. Key measures

may include terminating or temporarily suspending credit lines recalling funds prematurely optimizing

guarantee methods and developing repayment plans to address rating downgrades eff ectively.

099 100Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

In the realm of transition fi nance the Bank provides robust support to enterprises characterized by high pollution and

Green Bond substantial energy consumption. This support facilitates their transformation towards clean low-carbon operations and

the adoption of green technologies as well as the systematic phasing out of outdated production capacities.In 2025 the Bank diversified its portfolio by making 13 new investments in green bonds totaling RMB 468

million. Case Supporting Low-Carbon Transformation of a Paper Company

By the end of 2025 the outstanding balance of the Bank’s green bond investments reached RMB 1.502 billion. In 2025 the Bank successfully facilitated Changshu Leying Paper Co. Ltd.'s recognition as a transition

fi nancing entity. The company plans to invest in high-end equipment to undertake an intelligent and digital

transformation of its corrugated board production lines the factory-wide logistics system and carton

manufacturing equipment. This transformation includes the phasing out of semi-automatic standalone

Green Credit Green Bond

and inefficient outdated machinery. The upgraded intelligent production lines will incorporate centralized

Credit Balance (RMB 100 million) Green Bond Holdings Balance (RMB 100 million) heating combined with heat pump waste heat recovery technology elevating thermal efficiency to over

85%. Moreover certain equipment is projected to reduce energy consumption by more than 10% which is

critically signifi cant for the company’s low-carbon transformation eff orts.

27.39 32.16 14.22 15.0226.27 12.90 Taking Green Actions

Green and Low-Carbon Operations

202320242025202320242025

Green Operation Initiatives

Green Off erings The Bank integrates the principles of green development into its daily operations and actively engages in initiatives that

promote the establishment of a resource-conserving and environmentally sustainable society.The Bank offers designated green financing and transition entities a range of services including preferential lending

rates expedited credit approvals and opportunities for principal-repayment-free loan renewals. Simultaneously all Green Operation Initiatives

affi liates are obligated to actively engage with green and transition fi nance enterprises within their jurisdictions and to

expedite the inclusion of qualifi ed enterprises and projects into the relevant database. Energy Conservation and Carbon Reduction

We implemented projects such as renovating the building's air conditioning system upgrading the data room

Case Development of Digital Carbon Management Platform to Support Waste Battery Recycling infrastructure and enhancing energy effi ciency through the modernization of lighting systems and the control of

fresh air fan systems.In 2025 the Bank collaborated with Jiangsu Yuecheng Renewable Resources Co. Ltd. to develop and

We installed intelligent air conditioning control devices referred to as intelligent energy units and integrated

launch a digital carbon management platform thereby establishing a transparent and standardized online

them with the new power load management system. This integration allows for visible measurable adjustable

system for waste battery recycling.and controllable air conditioning loads resulting in enhanced precision

The platform has established 400 designated recycling outlets throughout Wuxi City primarily focused on in the automatic regulation of building HVAC units. Consequently this

collecting batteries from electric vehicles uninterruptible power supply (UPS) systems and automobiles. It initiative reduces power consumption and lowers carbon emissions.achieves an annual recovery volume of lead ingots valued at approximately 200 million yuan. Furthermore

Posters promoting electricity conservation have been displayed in

the platform eff ectively curtails the illegal recycling and trading of waste batteries at the source propelling

public areas to remind staff to turn off lights when leaving.the entire industry toward sustainable and sound development.

101 102Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Water Conservation Wate Management

The Bank promotes water conservation by installing signs throughout all offi ce premises. We have established a paid contract with a professional third-party sanitation service to implement classifi ed

waste management and recycling.We dispose of kitchen waste in strict accordance with local regulatory requirements.Green Mobility

We have introduced business vehicles that utilize alternative energy sources.We have installed new energy charging poles to promote sustainable commuting for employees.Conservation of Offi ce Consumables

We consistently advocate for the transition to paperless and intelligent business operations while systematically

expanding the range of paperless counter service scenarios.The video conferencing system has been upgraded enabling meetings across the Bank to be conducted in a

hybrid format combining both in-person and virtual participation. Operational Consumption

We promote the recycling of offi ce supplies to minimize waste and decrease paper consumption. At the Bank offi ce operations predominantly consume energy and resources including gasoline electricity water and

paper. The waste generated primarily consists of household and offi ce waste. In 2025 during its operational activities

the Bank's fl eet consumed 178909 liters of gasoline while electricity usage totaled 38243936 kWh. Paper consumption

Food Conservation for offi ce and business operations reached 603.12 tons. Direct greenhouse gas emissions amounted to 397.37 tons

primarily from gasoline usage whereas indirect emissions reached 23965.54 tons largely attributable to electricity and

We have developed the Civilized Canteen Management Policy for Anti-Food Waste and the Civilized Canteen paper consumption. Overall total greenhouse gas emissions were 24362.91 tons.Supervisor Job Responsibility Policy. Our initiatives continuously promote a holistic approach to food

management ensuring food security while fostering a culture of diligence frugality and respect for resources.We have assigned dedicated staff to oversee and routinely update essential work ledgers including daily dining

headcount statistics and canteen anti-waste inspection forms. A stringent daily registration system for kitchen

waste records has been implemented allowing us to monitor food waste through monthly aggregated data.We effectively utilized the canteen’s publicity

boards to implement cont inuous themed

campaigns. This included the installation of anti-

food-waste signage the display of promotional

posters the screening of educational videos and

the placement of Say No to Waste reminders on

every dining table within the canteen.

103 104Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Environmental Impact of Changshu Rural Commercial Bank's Operating Activities1

Metric Item 2023 2024 2025

Gasoline Consumed

Direct greenhouse by Institution-Owned

Gas Emissions And 193728 133185 178909Transportation

Natural Resource Vehicles (liters)

Consumption

Generated from Water Consumed by

Operating Activities Business and Offi ce 151153 165446 144015

Operations (tons)

Yangu Data Center Selected into the 2025 National Green Computing Capacity Facilities List

Electricity Consumed

Indirect Greenhouse

by Business and

Gas Emissions 29945000 36520787 38243936

Offi ce Operations

and Indirect The Yangu Data Center embodies a commitment to a green intelligent and effi cient operational philosophy. It employs a

(kWh)

Natural Resource multi-active high-availability architecture to facilitate seamless cross-data center business transitions ensure high service

Consumption Arising

Paper Used for availability and establish a secure independent and controllable fi nancial digital infrastructure. This design signifi cantly

from Purchased

Business and Offi ce 664.05 639.55 603.12 enhances business responsiveness and optimizes resource utilization effi ciency.Products or Services

Operations (tons)

The Yangu Data Center exemplifi es advanced practices in green energy conservation by implementing technologies such

1 Certain data have not been disclosed because they do not satisfy the necessary disclosure requirements due to reasons of non-applicability or statistical validity. as full-inverter fl uorine pump air conditioning enclosed cold aisles and AI-driven intelligent optimization. These initiatives

enable the facility to maintain a Power Usage Eff ectiveness (PUE) consistently below 1.35 aligning with international

standards of excellence. Central to its operations is a solar-storage coordination model that facilitates a robust green

Greenhouse Gas Emissions from Changshu Rural Commercial Bank's Operating Activities

energy supply system. By integrating photovoltaic power generation with energy storage solutions the center enhances

energy efficiency reduces electricity costs and encourages the use of renewable energy. Furthermore a distributed

202320242025

GHG Scope photovoltaic power station located on the roof boasts a total installed capacity of approximately 108 kW generating an

(tCO2) (tCO2) (tCO2)

annual output of 140000 kWh. This dual achievement underscores the center’s commitment to both economic viability

Direct Greenhouse Gas Emissions 430.28 295.81 397.37 and environmental sustainability.Indirect Greenhouse Gas Emissions 18019.89 23180.66 23965.54

Total Greenhouse Gas Emissions 2 18450.18 23476.47 24362.91

Zero-Carbon Outlets

2 Total greenhouse gas emissions consist of both direct and indirect emissions.

Changshu Rural Commercial Bank is actively aligning its operations with the national strategies for carbon peaking

Green Computing Capacity Facilities and carbon neutrality. Committed to establishing an eco-friendly banking model the institution has taken the lead

in developing zero-carbon outlets transitioning to clean energy sources to reduce operational carbon emissions.In December 2025 six ministries including the Ministry of Industry and Information Technology the National Furthermore the Bank has achieved carbon neutrality in its branch operations.Development and Reform Commission the Ministry of Commerce the State Financial Regulatory Administration the

Government Offi ces Administration and the National Energy Administration jointly released the 2025 National Green By the end of 2025 it has established 11 zero-carbon outlets generating an annual total of 711814

Computing Capacity Facilities Shortlist. Notably Yangu Data Center of Changshu Rural Commercial Bank was selected kWh yielding cost savings of 226000 yuan and reducing carbon dioxide emissions by approximately

marking it as the fi rst corporate fi nancial institution in Jiangsu Province to achieve this prestigious recognition. 558.77 tons.

105 106Environmental Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Environmental

Measures for Developing Zero-Carbon Outlets Case Tree Planting Event

Renovation In March 2025 coinciding with the 47th National Tree Planting Day the Volunteer Association and Farming

Association of Changshu Rural Commercial Bank organized engaging parent-child tree-planting activities

We prioritize the procurement of environmentally friendly materials including eco- at the Changshu Tongguanshan Nature Exploration Camp and Nanhu Wetland Park. Nearly 60 participants

friendly coatings to minimize indoor air pollution. Upon completion of branch collaborated enthusiastically to promote environmental stewardship celebrate the arrival of spring and

renovations we obtain air quality testing reports from accredited third-party testing enhance the vitality of nature.companies to ensure the health and safety of both employees and customers.Operation

Through a series of strategic measures including the adoption of clean energy

optimization of energy structures and promotion of energy-saving technologies

we enhance the intensity greening and low-carbonization of branch operations.This endeavor establishes a digitalized and environmentally sustainable operational

pathway for our business outlets.Promoting a Green Culture

The Bank undertakes a diverse range of promotional activities aimed at fostering ecological ethics enriching ecological Case Volunteer Environmental Protection Activity – Litter Cleanup

culture and popularizing green low-carbon lifestyles. Additionally it encourages all staff members to become active

advocates and exemplary practitioners of ecological civilization concepts.Our volunteers consistently engage in weekly community environmental clean-up initiatives. These efforts

not only enhance urban aesthetics and improve living conditions but also reflect the Bank’s commitment

to social responsibility. By encouraging public participation in environmental protection we significantly

advance the promotion of sustainable practices within the community.

107 108Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Social

Cultivating a Foundation of Responsibility

Promoting Long-term Harmony

Changshu Rural Commercial Bank fully fulfills its mission of

inclusive fi nance and strives to enable a broader range of groups

to access convenient effi cient and aff ordable fi nancial services.The Bank continuously innovates its service models and provides

comprehensive support to micro small and medium-sized

enterprises. By improving its credit support system optimizing

business processes and expanding diversifi ed service channels

it steadily enhances the coverage accessibility and quality of

financial services. Through these concrete actions the Bank

demonstrates its commitment to people-centered fi nance actively

supports rural revitalization and the high-quality development of

the local economy and contributes strong fi nancial support to the

steady advancement of common prosperity.

2025 Highlights

Customer Number of Active International

Satisfaction（%） Business Customers Complaint Resolution Rate (%)

98.23421100

Safety Hazard Employee Training

Rectifi cation Rate (%) Coverage Rate (%) Total Training Hours

100100226565.43

Responses to UN SDGs

109 110Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Financial Responsibility Further Improving the Facilitation of Cross-Border Trade Investment and Financing

Assurance The Bank has continued to expand the scope of high-level facilitation for cross-border trade in

accordance with the principle of selecting the best from the excellent and advancing steadily.Serving Opening-Up Through a range of measures it has enhanced the effi ciency of cross-border settlement continuously optimized cross-border trade service solutions and provided robust support for foreign trade

enterprises in strengthening their international competitiveness. Throughout the year 17 enterprises

Changshu Rural Commercial Bank has steadily advanced the development of were included in the list of enterprises eligible for high-level facilitation. Following the issuance of

its cross-border fi nancial capabilities and established a product manager service the Circular on Further Facilitating Foreign Exchange Fund Settlement and Supporting the Steady

system across all branches. This system enables precise outreach to foreign Development of Foreign Trade (Hui Fa〔2025〕No. 47) by the State Administration of Foreign

trade and foreign-invested clients while providing individualized concierge- Exchange the Bank responded promptly. Under the guidance of the Suzhou Branch of the State

style foreign exchange services. The Bank has also implemented a tiered and Administration of Foreign Exchange it included for the fi rst time in 2025 two market procurement

regular training mechanism. Through new employee orientation departmental trade entities and one platform operating company in the list of high-quality qualifi ed enterprises. As

retraining and on-site branch coaching it has systematically strengthened of December 31 the Bank had processed seven expedited account-entry transactions totaling USD

the professional competence of customer managers and product 263600. Processing time was reduced from 5–30 minutes per transaction to 1–5 minutes thereby

managers. In addition the Bank has established a cross-border business streamlining procedures and accelerating trade settlement.expert team to enhance daily guidance for grassroots institutions and

strictly uphold service standards that ensure routine business is

handled effi ciently diffi cult issues are addressed appropriately Further Fully Leveraging Cross-Border RMB Facilitation Policies

and complex cases are managed fl exibly thereby improving The Bank actively participates in the pilot program for facilitating high-level cross-border RMB

professionalism responsiveness and customer satisfaction. settlement in trade and investment and encourages enterprises to prioritize RMB in international

trade investment and fi nancing. To better meet customer needs across the full life cycle of overseas

investment the Bank established an Overseas Investment Center which provides comprehensive

Further Unblocking Two-Way Cross-Border Financing Channels for Businesses fi nancial solutions including policy consultation cross-border settlement trade fi nancing and project

loans for enterprises pursuing international expansion. The Center also actively promotes the

Leveraging online documentation and automated system notifications the Bank provides digital convenience and advantages of cross-border RMB usage and encourages “going global” enterprises

services such as capital account opening by enabling customers to submit materials through online to adopt RMB as the preferred currency for investment. In accordance with the criteria for identifying

banking. This has reduced the account opening process from an in-person counter service to real- “high-quality and credible enterprises” and based on the Bank’s business practices the Bank

time completion. recommended six pilot enterprises for high-level opening-up in cross-border trade and investment.These enterprises were included in the Jiangsu Self-Discipline Mechanism’s list of high-quality and

Our expert service team proactively addresses corporate needs by providing end-to-end support for

credible enterprises eligible for cross-border RMB settlement. On April 22 2025 the Bank launched

businesses in investment attraction foreign debt fi nancing and related services. This includes policy

a preferential campaign for cross-border RMB settlement fees. A total of RMB 208 million in cross-

consultation document preparation and assistance with industrial and commercial registration and

border RMB settlement services—including export letter of credit presentation export collection

audit procedures thereby improving operational effi ciency and delivering eff ective fi nancial support

presentation and outward remittances—was processed for 43 enterprises helping them save RMB

for enterprises engaged in cross-border economic and trade activities.

44000 in settlement fees.

To address the practical needs of foreign trade enterprises the Bank issues non-financing

Through continuous technological empowerment the Instructions for Cross-Border RMB Settlement

international guarantees including advance payment guarantees quality guarantees performance

Receipt/Payment have been digitized. Customers now only need to complete key fi elds on the Bank’s

guarantees and bid bonds. Denominated in both foreign currencies and cross-border RMB these

online banking platform and submit them. The system automatically generates the cross-border RMB

instruments provide fi nancial support and credit enhancement facilitate bilateral trade and promote

receipt and payment instructions eliminating the need for paper forms and uploads and signifi cantly

the stable development of foreign trade enterprises.enhancing the customer experience.

111 112Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Service Initiatives for Foreign Nationals by Changshu Rural Commercial Bank Measures for Easy Foreign Currency Business by Changshu Rural Commercial Bank

The Bank operates 10 outlets in the Suzhou region that provide foreign currency

cash exchange services covering the entire Changshu area and parts of Suzhou. One-Click Remittance for Ocean Freight: After-Hours FX Settlement: During non-

Exchange services are available for six currencies: US dollars euros Japanese yen The system automatically verifies ocean business hours whitelisted customers may

Hong Kong dollars British pounds and Australian dollars. In addition the Bank offers freight authenticity and weight displays use the after-hours FX settlement function

simplifi ed account-opening services for overseas personnel entering China with relaxed invoice details and sums invoice amounts for enabling the system to monitor exchange rate

requirements for supporting identity verification documents. It also provides electronic streamlined customer operations. movements and secure the optimal rate.Well- currency declaration certifi cate services. Individual customers may apply for an electronic

Confi gured currency declaration certificate at the Bank’s personal foreign exchange outlets. Once

Outlets approved the certifi cate QR code can be viewed through mobile banking and presented

to customs for verifi cation and cancellation when carrying cash abroad. The Bank actively participates in the pilot

program for high-level opening-up and The Bank pioneered the fi rst Multiple Central

facilitation of cross-border trade enabling Bank Digital Currency Bridge implementation

high-quality enterprises to effi ciently manage within the provincial rural commercial banking

The Bank optimizes the placement of cash self-service machines across its branches

current-account foreign exchange receipts system.based on transaction volume and deposit and withdrawal patterns ensuring adequate

payments and related services.coverage of public cash withdrawal needs within its jurisdiction. In Suzhou 165 self-

service devices have been deployed all supporting foreign card cash withdrawals and

Well-

Equipped prominently displaying the required foreign card acceptance logos. Case Changyin Cross-Border Express Mini Program

Facilities

Changyin Cross-Border Search is a proprietary product developed by the Bank. It uses big data analytics

and data mining technologies to help enterprises identify potential customers and monitor changes in market

The Bank has conducted 10 training sessions on personal foreign exchange business demand and peer trade dynamics in the context of global economic integration. By the end of 2025 the

with more than 350 participants. The sessions covered regulatory requirements product had accumulated more than 3.8 billion data records covering compliant data sources from over 250

operational procedures and key risk points within the foreign exchange management countries and regions worldwide. It provides trade data retrieval and analysis capabilities including market

framework including current account services personal foreign exchange settlement analysis and intelligent customer acquisition thereby supporting enterprises in expanding their products into

and sale foreign currency cash deposits and withdrawals and cross-border receipts and overseas markets.Well- payments. These efforts help employees accurately interpret current account foreign

Delivered

Business exchange policies for overseas individuals and strengthen operational standardization and

Training compliance awareness.Performance of Changshu Rural Commercial Bank in Serving Opening-Up

Number of Active Number of Foreign FX Derivative Hedging Annual Cumulative Foreign

International Business Currency Loan Contracts (USD 100 Currency Loans to Import and

Customers Customers million) Export Enterprises (USD 100

million)

34211467.172.52

113 114Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Changshu Rural Commercial Bank Fully Supports Comprehensive Foreign Trade Services Such as Demonstration of Specialized Outlets of Changshu Rural Commercial BankCase Exhibition and Logistics

In 2025 during the Foreign Financial Institutions Tour in Suzhou the Bank signed a strategic cooperation Shajiabang Sub-branch integrates revolutionary red culture into its

agreement on international business with DBS Bank (China) Co. Ltd. and opened a cross-border RMB services establishing a Four Reds service system including a Red

settlement account. Since August 2025 it has successfully processed 20 cross-border RMB transactions Hall and a Red Corridor. It has also established a service station for

for 14 corporate clients with a total transaction value exceeding RMB 10 million. DBS Bank the largest veterans and holds more than 120 themed fi nancial outreach activities

bank in Singapore is one of Asia’s leading fi nancial services groups with an extensive network spanning annually reaching over 3000 clients.Greater China Southeast Asia and South Asia. In the future the two parties will engage in in-depth and

comprehensive cooperation in international financial services including cross-border RMB business. By

integrating domestic and overseas fi nancial resources they will combine local market expertise with a global

perspective and jointly build effi cient convenient one-stop cross-border fi nancial services for enterprises

investing abroad.Yushanlinchang Sub-branch focuses on the pet economy and has

established a pet-friendly venue. It collaborates with institutions to host

monthly events including pet adoption drives free veterinary checkups

and pet matchmaking activities.Finance Accessibility

Changshu Rural Commercial Bank has consistently regarded proving the accessibility of financial services as a key

measure to fulfill its commitment to people-centered finance and to advance common prosperity. By expanding its

physical branch network developing digital channels shifting its service focus to the grassroots level and launching

Suzhou Branch Business Department established the nation’s first

tailored innovative products the Bank has continuously bridged the “last mile” of fi nancial service delivery. As a result

in-branch traditional goldsmith studio. It has also hosted 25 online

it has significantly improved financial accessibility coverage and customer satisfaction among county and rural

livestreams and 57 offl ine community events generating precious metal

populations micro and small enterprises new urban residents and other groups. Through comprehensive and sustained

sales exceeding RMB 16.72 million.inclusive fi nance practices the Bank has strengthened the social foundation for high-quality development.To further advance the establishment and promotion of specialized sub-branches under Jiangsu Rural Commercial

United Bank’s Ten-Hundred-Thousand Project Our Bank has proactively formulated and implemented its Headquarters’

“123” Project. Under this initiative fi ve specialized outlets will be completed in 2024 including the Headquarters Business Changjiang Sub-branch has focused on elderly customers by

Department Suzhou Branch Business Department Shajiabang Sub-branch Haiyu Sub-branch and Dongbang Sub- developing specialized courses under the Joyful Class including pastry

branch. making Ba Duan Jin Boon music therapy intangible cultural heritage

diabolo and smartphone training. To date 63 events have been held

serving 695 participants. Cumulative bancassurance fee income

In addition ten specialized outlets will be completed in 2025 and fi fteen in 2026. By 2026 the reached RMB 19500 and AUM increased by RMB 13.36 million.Bank also aims to establish 30 Four-in-One demonstration sites for fi nancial accessibility.

115 116Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Expanding Outlet Coverage Case Changshu Rural Commercial Bank Launches Targeted Services for Seniors Children and Pet Owners

By the end of 2025 the Bank operated 182 branches and sub-branches including one Headquarters Business In 2025 Changshu Rural Commercial Bank innovatively developed a diff erentiated customer service system

Department 40 local sub-branches seven cross-regional branches 39 cross-regional sub-branches and 95 branch for seniors children and pet owners to precisely address diverse livelihood needs.offi ces across Nanjing Suzhou Changzhou Wuxi Zhenjiang Nantong Yancheng Yangzhou Taizhou Lianyungang

Huai’an and Suqian. For older adults the Bank launched the Feiyan Delivering Blessings and Feiyan Delivering Care services

providing more than 230000 convenience services throughout the year including haircuts health

Meeting Special Needs screenings and knife sharpening. It also introduced the Le Ling Zone mini-program and delivered 258 health

and wellness courses such as Ba Duan Jin exercise sessions and smartphone training thereby enhancing

the quality of life of the silver-haired population.Veterans

To serve families with children the Bank organized Little Bankers workshops that reached more than 1200

The Bank has advanced Party-building cooperation with households. In combination with interactive activities such as fi lm screenings and do-it-yourself crafts these

veterans’ aff airs authorities and established Changshu’s events eff ectively increased branch traffi c to over 8000 visits.fi rst corporate veterans service station at the Shajiabang

Sub-branch. Through strengthened coordination For pet owners the Bank launched a Pet-Friendly Credit Card with bundled discount benefi ts. In addition

collaboration and information sharing it has addressed monthly themed events including pet matchmaking and public welfare adoption campaigns integrated

key challenges in dedicated financial services for everyday life scenarios with financial services. Collectively these initiatives underscore the Bank’s

veterans and developed tailored credit products. By commitment to people-centered fi nance and demonstrate its strong capabilities in scenario-based service

lowering guarantee thresholds streamlining approval innovation.procedures and offering preferential interest rates

the Bank effectively alleviates financing constraints for

veterans in the early stages of entrepreneurship.Services for Seniors Children and Pets Owners

117 118Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Consumer Finance During the May Day holiday the Bank collaborated with the Changshu Municipal

Bureau of Commerce to issue consumer vouchers engaging 62 merchants and

Changshu Rural Commercial Bank firmly supports the national strategy to expand domestic demand. Building on its more than 14000 participants which stimulated approximately RMB 115000

strengths in fi ntech-enabled innovation and retail banking the Bank eff ectively connects consumers and merchants while in consumption. In the Massive Discounts and Secure Consumption campaign

strengthening consumer confi dence and stimulating endogenous consumption through scenario-based intelligent and conducted in partnership with the People’s Government of Hai’an City 11800

convenient fi nancial services. By optimizing consumer credit supply improving payment and settlement experiences consumer vouchers were distributed directly generating RMB 7.45 million in

and expanding its livelihood-oriented service ecosystem the Bank contributes to residents’ quality of life and responds consumption.proactively to public aspirations for a better life.During major consumption periods such as 618 Double 11 and Double 12 the Bank

launched a Spend & Win promotion in which customers making a single transaction

By the end of 2025 our Bank’s outstanding balance of personal consumption loans reached RMB

26.933 billion with an increase of 4.77% compared with the previous year. of more than RMB 58 were eligible to enter a prize draw for rewards including Disney Important

Shopping Days tickets airport lounge access mobile phone top-up vouchers JD e-gift cards and

Tmall shopping vouchers. In addition a Spend & Get Cashback promotion off ered

Annual Consumer Finance Initiatives of Changshu Rural Commercial Bank customers an immediate RMB 1 discount on online payments of RMB 5 or more.Working with the Changshu Municipal Bureau of Commerce local towns and

CoCo Fresh Tea Luckin Coffee Ele.me and KFC: RMB 5 off with a minimum townships and core enterprises the Bank developed the urban IP campaign

spend of RMB 10.RMB 10 for RMB 20 vouchers: Heytea CHAGEE KFC iQiyi Assured Consumption Carnival. This initiative helped Changkelong achieve sales

QQ Music JD E-Card Freshippo and Meituan Waimai.SF Express: RMB 5 off with exceeding RMB 65 million a year-on-year increase of 14% and Jiao Jiadian

a minimum spend of RMB 10.WeChat mobile top-up: RMB 5 off with a minimum achieve sales of more than RMB 21.15 million up 13.08% year on year. Collectively

Credit Card top-up of RMB 100. these eff orts strengthened consumer spending and supported stable deposit growth.New credit card customers can receive a RMB 50 refueling red envelope.Random Enjoy a RMB 50 discount on the Changshu Annual Travel Card with a minimum

discounts of RMB 5–100 on refueling at Sinopec stations.Random discounts of RMB spend of RMB 100; a RMB 70 discount on the Shuiyun Jiangsu Annual Travel Card

1–9 on charging services at Changshu Jiangnan AI Charging with a minimum spend with a minimum spend of RMB 199; a RMB 20 discount on Tongcheng Travel and/

of 10 yuan.Car wash vouchers available upon meeting the consumption requirement or Ctrip with a minimum spend of RMB 200; random discounts of up to RMB 49.9 on

of RMB 3000. Travel China Railway 12306 with a minimum spend of RMB 50; and a RMB 5 discount on Car Owners Consumption Didi Travel with a minimum spend of RMB 10.Throughout the year the Bank issued a total of RMB 1 million in digital yuan

consumption red envelopes. Through precise operations it stimulated consumption Innovation in consigned precious metals has yielded strong results: the original

among 100000 people and directly increased consumption by RMB 1.44 million. Yidian Jin series has achieved annual sales of RMB 900 million while the

The Bank established a closed-loop operating model of acquisition retention independently developed Jin Chang You Xi WeChat mini program has surpassed

Precious Metals

and consumption stimulation. It continued to attract customers through the Gift 270000 registered users.for New Account Opening lucky draw campaign while also implementing fund-

infl ow incentives and targeted consumption red envelopes for existing users. These

Digital RMB measures effectively enhanced the activity of personal digital yuan wallets and These cover a wide range of products including student accident insurance travel

expanded their use across various consumption scenarios thereby significantly accident insurance high-end medical insurance participating life insurance and

strengthening local consumer market vitality. Insurance others thereby meeting the protection needs of diverse customer groups.Products

119 120Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Financial Literacy

Number of Credit Card Customers by the Number of New Credit Card Customers in 2025

End of 2025 Changshu Rural Commercial Bank places great emphasis on financial knowledge communication viewing the

enhancement of financial literacy as a key basis for fulfilling its social responsibilities and advancing the high-quality

308321 54922 development of inclusive fi nance. Through an integrated online-offl ine model the Bank has systematically conducted

regular educational campaigns on anti-fraud awareness rational investment credit reporting protection and green

fi nance in communities rural areas campuses and enterprises. In addition by leveraging digital channels such as its

Number of Credit Cards Issued by the End Number of New Credit Cards Issued in 2025 WeChat offi cial account and short-video platforms it disseminates fi nancial knowledge in a clear and engaging manner.of 2025 These eff orts have eff ectively strengthened the risk awareness and fi nancial decision-making capabilities of urban and

428644 56113 rural residents particularly elderly and child populations and new citizen groups thereby contributing to a healthy secure and inclusive regional fi nancial ecosystem.

New Media IP Empowerment

Signifi cantly strengthening brand visibility and improving user engagement. Among these initiatives the local-content IP

Interesting Towns eff ectively supported business conversion while the Assured Consumption Carnival set a benchmark

for city-level consumer fi nance events. In addition the Bank actively applied AI technology to short-video production

greatly enhancing content effi ciency and creative expression. This approach has enabled fi nancial services to integrate

more intelligently accessibly and eff ectively into customers’ daily lives.In 2025 Changshu Rural Commercial Bank further advanced its digital marketing strategy by

establishing a comprehensive new media network. The Bank launched 251 offi cial accounts which

together attracted 5025800 followers. Over the course of the year it hosted more than 2000 live

broadcasts and published nearly 7500 short videos

AI Videos Assured Consumption Carnival Interesting

Towns IP

121 122Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

The country banks affi liated with the Bank fulfi ll their social responsibility of serving the public through fi nance and regard

improving fi nancial literacy in rural areas as a core mission. They continuously conduct in-depth fi nancial education and Xingfu Country Bank Wenchang Branch

outreach. Through diverse public awareness initiatives tailored to local residents they have extended their eff orts into

farmlands and rural communities actively promoting basic fi nancial knowledge sound wealth management practices in collaboration with regulatory authorities conducted

and risk identification skills including the prevention of telecom fraud and illegal fundraising. These efforts have an intensive outreach campaign in community venues

signifi cantly strengthened fi nancial security awareness and self-protection capabilities among grassroots communities to educate nearby residents about 3.15 financial

contributing robust support to the development of a healthy inclusive and sustainable rural fi nancial ecosystem. knowledge. A total of five offline events were held

reaching more than 600 participants.Hainan and Zhuhai Region

Business Department of Xingfu Country Bank

Xiangzhou Xingfu Country Bank

Taking each outlet as the unit conducted “3.15”

promotional activities in surrounding communities and

in collaboration with Nankeng Community and Taoyuan

village committees. During these events staff provided

Community promoted financial literacy on avoiding

on-site explanations of financial anti-fraud knowledge

loan traps marketing pitfalls fraud prevention and

and addressed issues such as common misconceptions

illegal fundraising. Through real-life cases residents

in financial management and credit repair. Meanwhile

were urged to remain vigilant and safeguard their

with the support and guidance of the Haikou Civil Affairs

fi nancial consumer rights.Bureau the Qiongshan District Civil Affairs Bureau of

Haikou City the Fucheng Subdistrict Office and the

Beiguan Community Neighborhood Committee the

Business Department in collaboration with the Beiguan

Branch of Hainan Jiameile Health Care Industry Group Co.Ltd. held a lecture at the Beiguan Comprehensive Pension Jiangsu Region

Service Center. The lecture emphasized the importance

of consumer rights protection and introduced its basic Binhai Xingfu Country Bank

principles to elderly participants eff ectively enhancing their

awareness of rights protection and self-protection. organized staff to conduct the Financial Knowledge

Village Fair in rural communities focusing on telecom

and online fraud as well as illegal fundraising. During

Xingfu Country Bank Qionghai Branch Women’s Day events the bank also delivered fi nancial

literacy sessions to square dance teams using prize

invited consumers to its branch hall to participate in quizzes and case analyses to reinforce key concepts.interactive activities designed to promote learning through

entertainment including an anti-telecom fraud game

a deposit insurance challenge and a consumer rights

protection activity. Through these games participants

gained financial knowledge and strengthened their risk

awareness.

123 124Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Binhu Xingfu Country Bank Huaiyin Xingfu Country Bank

organized a customer birthday celebration inviting in collaboration with the district media convergence

long-standing customers with March birthdays to center visited Ruihe Health and Wellness Center.attend at the branch. During the event the bank During breaks in the cultural performances the bank

delivered fi nancial literacy presentations on anti-money delivered anti-fraud education and explained common

laundering telecom and online fraud prevention elderly care scams fostering social support while

and illegal fundraising using local case studies as strengthening public safety awareness.examples.Ganyu Xingfu Country Bank

in collaboration with local village committees launched Jintan Xingfu Country Bank

the Financial Assistance for Agriculture Loudspeaker

campaign during the critical spring plowing and participated in the “3·15” special publicity event at

preparation period. Addressing issues such as fake Hua Luogeng Park organized by the Changzhou

seed loan scams and the security of agricultural Jintan District Financial Industry Association. The

product sales funds the initiative was widely praised bank established a publicity and consultation booth

by villagers as both clear and practical. distributed brochures and informational materials and

communicated fi nancial knowledge to visitors in clear

accessible language.Gaogang Xingfu Country Bank

held a Women’s Day event inviting more than forty

female customers to create handmade tulip bouquets.Qinghe Xingfu Country Bank

The venue featured promotional slogans and leafl ets

on safeguarding against unscrupulous intermediaries

in collaboration with the Mazhuang Community Senior

were distributed.Activity Center established an Elderly Financial Safety

Classroom to promote financial literacy including

guidance on preventing elder-care scams and safely

using mobile payments reaching more than 500 older

Gaoyou Xingfu Country Bank

adults.effectively leveraged high-traffic venues for outreach

visit ing nearby communit ies senior education

centers and vegetable markets to raise consumer risk

awareness and promote rational consumption habits.

125 126Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Qingpu Xingfu Country Bank Yichang Xingfu Country Bank

focused on financial consumer rights protection visited the Yangtze River Three Gorges Cruise Center

including personal information protection safeguarding and Jinding Haoting Community to conduct a “3.15”

against illegal fundraising and preventing telecom Financial Consumer Rights Protection Campaign. The

fraud. The bank set up display booths and distributed initiative promoted awareness of financial personal

informational brochures in supermarkets and farmers’ information protection and educated consumers on

markets. how to safeguard their rights when facing financial

disputes.Sucheng Xingfu Country Bank

Henan Region

established a fi nancial literacy booth at the entrance of

its branch and used the lobby television to continuously

Neihuang Xingfu Country Bank

broadcast videos such as Telecom Fraud Case

Warnings and Illegal Fundraising Prevention Publicity establ ished a dedicated consumer protect ion

enabling customers to identify risks more eff ectively. consultation desk in its branch lobby providing face-

to-face fi nancial guidance to customers and using on-

site activities to promote financial literacy including

telecom fraud prevention and personal information

protection.Hubei Region

Enshi Xingfu Country Bank

leveraged opportunities such as Xingfu Haircut Day Ruyang Xingfu Country Bank

Xingfu Birthday Party and Xingfu Tea Party to conduct

diversified lobby-based educational activities. These in collaboration with the Ruyang County Cultural

initiatives included on-site presentations on essential Center conducted a fi nancial literacy outreach activity

fi nancial knowledge and exposure to common fi nancial for elderly participants in specialized senior classes.scams. In parallel the bank implemented targeted The program introduced basic financial consumer

outdoor outreach efforts through face-to-face public rights helping older adults better manage their

education campaigns. In total it organized more than finances and strengthen their awareness of financial

30 outdoor publicity events distributed over 3000 safety. The event drew more than 100 retirees.

brochures reached tens of thousands of people and

earned widespread acclaim.

127 128Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Yunnan Region

Songxian Xingfu Country Bank Jiangchuan Xingfu Country Bank

in conjunction with traditional handicraft activities part icipated in the Hundred Communit ies and

such as lacquer fan making invited elderly customers Thousand Villages financial education campaign

and children to the branch for a specialized financial targeting village committee members agricultural

education session guiding these key young and workers and rural middle-aged and elderly residents.old groups to learn and master essential financial The bank p romoted common te lecom f raud

knowledge. schemes and prevention strategies visiting two rural

revitalization communities and one civilized village. It

distributed more than 1000 brochures and reached

nearly 1000 people.Tangyin Xingfu Country Bank

entered Xiduan Village Guxian Town to conduct a Luliang Xingfu Country Bank

financial education campaign focused on protecting

legitimate rights and interests in fi nancial transactions produced an online situational short drama Protect

safely using bank cards and identifying and preventing Your Money Safeguard Your Happy Home to expose

fi nancial fraud. The bank also answered questions on tactics used in illegal financial activities through

site and encouraged villagers to resist illegal fi nancial rotating hall displays and releases on new media

activities. platforms. Offline the bank established a dedicated

exhibi t ion area wi th r isk-case brochures and

conducted outdoor “3.15” fi nancial literacy campaigns

thereby building a multidimensional consumer rights

Yiyang Xingfu Country Bank

protection defense line.Leveraging International Women’s Day hosted the

3.15 Financial Knowledge Sharing: Mugwort Care

for Women Protecting Health and Rights event. The Luoping Xingfu Country Bank

bank invited customers and local residents to join

a handmade mugwort pillow workshop where they actively responded to the call of the Luoping County

learned practical fraud prevention and information regulatory sub-branch by participating in the themed

protect ion ski l ls in a relaxed sett ing thereby fi nancial publicity campaign and innovatively adopting

strengthening fi nancial literacy and risk awareness. a “sketch plus presentation” format. The bank

integrated anti-fraud knowledge into vivid situational

dramas recreated typical scam scenarios and clearly

exposed fraud tactics and scripts earning enthusiastic

applause from the audience.

129 130Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Nanhua Xingfu Country Bank Wuding Xingfu Country Bank

actively promoted digital fi nancial education through launched a financial literacy promotion activity

live-streamed presentations on consumer financial Entering Business Districts at Wuding County

knowledge. Using interactive online broadcasts the Gymnasium. Tailored to merchants in the busy

Bank enhanced public awareness of fi nancial rights commercial street and older adults the bank provided

protection. In addition during the Third Ma Ying training on identifying genuine and counterfeit

Cultural Tourism Festival in Wujie Town it offered banknotes. It also delivered financial education on

on-site consultations to help participants identify anti-counterfeit measures and the risks of high-return

fi nancial risks. investment schemes.Yimen Xingfu Country Bank

engaged enterprise employees community residents

Panlong Xingfu Country Bank

and school faculty and staff through lectures on

f inancial l i teracy and risk prevention. Through

used regular salons and events such as birthday

interactive question-and-answer sessions the bank

parties and fan festivals to explain relevant laws and

strengthened consumers’ understanding of financial

regulations interpret policies and teach practical skills

products and services.to attending customers. In addition through visits

by the chairman and president the bank promoted

financial literacy among small and micro business

owners and rural households. Yuanmou Xingfu Country Bank

has established a Caring Window at its outlets for

elderly customers. Through individualized service

the bank explains common telecom fraud schemes

targeting older adults and corresponding preventive

measures thereby safeguarding their legitimate rights

Shizong Xingfu Country Bank and interests.used rural loudspeakers during village outreach

campaigns to broadcast reminders on how villagers

Zhanyi Xingfu Country Bank

can protect their legitimate rights and interests. The

promotional content addresses consumer rights launched a series of educational and outreach

protection the prevention of illegal fundraising campaigns on credit reporting debt resolution and

vigilance against fi nancial fraud and related topics. illegal finance at Zhanyi Small Farmers’ Market

nearby communities and surrounding villages helping

fi nancial consumers develop the discernment needed

to identify fi nancial risks.

131 132Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Protecting Customer Rights Strategy

Changshu Rural Commercial Bank has fully integrated data security and privacy protection impacts risks and

Governance opportunities into its corporate governance framework. It has systematically assessed the potential material eff ects on

key areas in the short medium and long term including its business model operational management strategic direction

Customer-centric in approach Changshu Rural Commercial Bank has systematically strengthened customer relationship financial performance operating results cash flows and financing structure and costs. On this basis the Bank has

management. Through coordinated measures such as refi ned customer segmentation frequent interaction professional proactively formulated and eff ectively implemented targeted management measures thereby strengthening corporate

team development full-process experience optimization differentiated value-added services and proactive risk

prevention and control the Bank has gained a deeper understanding of customer needs and responded with precision. resilience and laying a solid foundation for sustainable high-quality development.These efforts have enhanced customer satisfaction and loyalty supported high-quality business growth and further

strengthened the Bank’s brand image and market trust as the preferred fi nancial partner for small and micro enterprises Risk/ Potential

and urban and rural residents in the region. Risk/Opportunity Time-Opportunity Likelihood Financial Responses

Description frame

Changshu Rural Commercial Bank Measures to protect consumer rights and interests Type Impacts

Bank has established a security emergency

Public Education & Pre-Launch Review response platform and implemented mechanisms for vulnerability management

Regarding fi nancial knowledge education as a key defense line for the protection of consumer rights the Bank and incident response. It has deployed Unauthorized disclosure security technologies including fi rewalls

has established a three-dimensional online and offline publicity matrix. As of offline channels the Bank has of users’ personal intrusion detection systems intrusion

conducted targeted publicity relying on business halls communities and village committees. Meanwhile brand information resulting Operations prevention systems and antivirus systems.warmth and fi nancial knowledge are delivered through topic articles short videos and other online channels. Risk of User Data Breaches from external attacks Low

Long-

term and The Bank also evaluates and monitors third-

In 2025 more than 680 events such as the 3·15 International Consumer Rights Day Financial Knowledge third-party security downstream party vendors’ security practices and ensures

Popularization Tour and Financial Education Promotion Week were held covering more than 300000 vulnerabilities or similar that clear security agreements are executed. causes. The responsible party conducts regular

attendances. system backups and maintains backup logs.The Bank conducted pre-launch consumer protection reviews with focus on key areas such as new products and IT staff perform periodic random inspections

of the Bank’s computers and retain the

new businesses to fully identify potential risks in the design information disclosure service fees and other links corresponding records.of fi nancial products or services advancing the risk control threshold forward.Personal information

Unobstructed Channels & Direct Reception protection impact assessment tools and

Rights protection channels for financial consumers are fully publicized at all branches covering contact related services provided

information of principals at all levels the 12378 hotline and online service platforms. Meanwhile a head Opportunity

by third-party institutions Developing privacy-enhancing features and

of Expanding have gained increasing Long- products for users with heightened sensitivity office consumer protection supervision hotline has been launched to further strengthen the supervision and

Service Market market recognition. As

Low term Operations needs; introducing privacy-computing

administration of complaint handling ensuring timely response to consumer demands. privacy and privacy- technologies to expand business domains.computing technologies

The Bank regularly held the Principal Complaint Reception Day event every month. Information including the emerge enterprises can

receiving bank leaders reception time venue and supervision hotline is released through offi cial channels with identify new avenues for

fi ve working days prior to the reception day. The reception procedures are strictly implemented in accordance business growth

with work requirements to promptly respond to and resolve consumers’ opinions and suggestions.It is possible to

strengthen data security Long

Complaint Review & Diversifi ed Dispute Resolution Customer Trust and privacy protection and to enhance customer Medium Operations Publishing a clear privacy policy and providing Opportunity

With adherence to a problem-oriented approach regular complaint review meetings are held to urge business trust reinforce market Medium

transparent incident updates within 48 hours.departments to trace the original causes and rectify issues revealed by complaints. In-depth thematic analysis competitiveness and -terdrive business growth.is conducted on common customer complaints to address both the symptoms and original causes promote

continuous improvement and strengthen internal control management.The Bank also implemented diversifi ed dispute resolution mechanism. The Suzhou Banking Industry Dispute Centering on the principles of localization daily-life integration and scenario-based services country banks have deeply

Mediation System is fully utilized to realize one-stop full-process online handling of mediation applications integrated high-quality local resources including healthcare housekeeping education entertainment and automotive

dispute mediation agreement signing fi le management and other links eff ectively improving the effi ciency of

complaint handling. services. They have transformed banking branches into “local life service hubs” and built core competitiveness through

diff erentiated services.

133 134Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Deep Integration with Local Brands Customer Relationship Management Initiatives of Changshu Rural Commercial Bank

It has partnered with local healthcare brands such as Health-100 to provide physical examination services;

with automotive repair enterprises including Hebei Lutong Automobile to off er vehicle maintenance services; Age-Friendly Service Upgrade

and with entertainment venues such as Oscar Pet Amusement Park to provide recreational benefi ts.The Bank has systematically enhanced the senior-friendly

environment across its branches. On the one hand it

Comprehensive Coverage of Life Scenarios has implemented a closed-loop management system of

The benefits encompass a wide range of daily life scenarios including health management (physical inspection–maintenance–upgrade for elder-friendly facilities

examinations and oral care) living services (housekeeping laundry and printing) leisure and entertainment in banking halls ensuring the safety and availability of

(fi tness outdoor activities and amusement parks) and education and development (children’s materials and items such as reading glasses wheelchairs and accessible

Little Banker programs) thereby meeting customers’ diverse needs. passages thereby eliminating potential safety hazards.On the other hand it has scientifically planned functional

areas by establishing a Respect the Elderly Public Welfare

Service Innovation with Local Features

Zone and a Caring Window. Through optimized circulation

We have launched community-oriented services with local characteristics including the Argy Wormwood Health layouts and escorted services the Bank has created a safe

Package free exam paper printing and electric vehicle charging to strengthen customers’ sense of identity and comfortable and respectful environment for transactions

belonging. fully safeguarding consumers’ rights to safety and dignity.Impacts Risks and Opportunities Easy Payment Optimization

Changshu Rural Commercial Bank has consistently upheld its customer-centric philosophy. It carefully responds to Safeguard payment security through extensive anti-fraud

the nuances of customer needs by continuously optimizing and streamlining business processes thereby reducing publicity; improve payment convenience by promoting

procedures saving time and improving effi ciency. Offl ine branch staff provide warm professional and sincere service. payment services; innovate outreach models to deliver

Online digital channels address diverse customer needs in an intelligent convenient and efficient manner. Through inclusive fi nancial services.the coordinated eff orts of all channels each customer touchpoint is transformed into an emotional connection making

high-quality service a strong foundation for customer trust. Moreover customer satisfaction is fully integrated into the

operational evaluation system as a key indicator of high-quality development.Smart Hall Construction

Customer Communication Initiatives of Changshu Rural Commercial Bank

Through coordination among PADs over-the-counter

Iteratively upgraded the " Feiyan Community Launched the " Le Ling Zone " services and intelligent devices fi ngerprint verifi cation has

Steward Mini Program " Covering smart elderly care enjoyable courses been introduced for elderly customers replacing signatures

Focusing on full-scenario service needs we and anti-fraud publicity it off ers diverse programs with fingerprint authentication after transactions are

have built a convenient and efficient online such as Ba Duan Jin and AI Time Lecture Hall processed on PADs. Mobile PAD transaction scenarios have

service hub. and supports one-click reservation for services been integrated with 16 functions including certificate of

including health check-ups JD Home Services deposit opening cancellation and renewal batch password

and pet matchmaking. With 15000 registered resets natural gas recharges and classifi ed and graded inquiries. New functions have also been added to

users it has realized efficient linkage between intelligent devices such as certifi cate of deposit replacement for timely reissuance when certifi cates fail to

online services and offl ine scenarios enhancing print due to equipment malfunctions as well as mobile archive inquiries connected to the Changshu Archives

customer experience and loyalty. for access to marriage and birth certifi cates. As a result the comprehensive diversion rate of certifi cate-of-

deposit-related business in banking halls has reached 72%.

135 136Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Case "Changyin Bus" Enters Enterprises Xiaoyuan Services Win Praise

People-Friendly Measures

In 2025 the Changyin Bus carrying the Xiaoyuan Service Team of the Wuxi Branch entered the industrial

The Bank in collaboration with the Changshu Municipal park of Wuxi Zhiyuan Pharmaceutical and launched a featured service initiative titled Zhiyuan Fair. The

Administrative Approval Bureau used Party building as a team provided fi nancial consultation and delivered fi nancial literacy lectures to enterprise employees. By

strategic starting point and extended cooperation to the accurately identifying employees’ needs it facilitated the opening of three debit cards fi ve credit cards and

Changshu Municipal Archives enabling rapid access to fi ve mobile banking accounts as well as the purchase of one wealth management product. This initiative

electronic records such as marriage and birth certifi cates enabled employees to experience the convenience of the Bank’s “mobile counter.”

and thereby improving convenience for local residents.The activity clearly demonstrated the Xiaoyuan

Service Team’s proactive service capability

To deepen customer service extend the reach of financial services and better serve special customer groups the and earned unanimous praise from enterprise

Bank has established 76 specialized on-site outreach service teams known as Xiaoyuan Service Teams. It has also staff. Going forward the team will continue

developed a set of supporting management documents including the Measures for On-site Service Management and to strengthen corporate services and provide

Service Procedures of Xiaoyuan Service Teams the Measures for the Management of Portable Equipment Application by fi nancial support for the development of the real

Xiaoyuan Service Teams the Measures for Outreach Service and Marketing Management of Xiaoyuan Service Teams economy.and the Emergency Response Plan for Xiaoyuan Service Teams. These documents primarily address the compliance

and convenience of personnel deployment business operations equipment use and other aspects of outreach services.They also clearly defi ne emergency response procedures and staff responsibilities thereby ensuring service continuity

and rapid response in the event of emergencies.Customer Satisfaction

After addressing callers’ service requests the Bank’s customer

service center proactively distributes customer satisfaction surveys. 98.2

On-site Services by Xiaoyuan Service Teams

By the end of December 2025 the Xiaoyuan Service Teams had provided 804 home visits to elderly

residents. They also reached 1035 person-times through convenient services 857 through marketing

promotions and 3448 through fi nancial literacy campaigns while contributing a total of 170.9 hours to

public welfare services.

137 138Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Compassionate Debt Collection Customer Privacy Protection

Changshu Rural Commercial Bank integrates humanistic care throughout its debt collection process. By employing Changshu Rural Commercial Bank has formulated policies such as the Measures for the Administration of Customer

fl exible communication methods including telephone outreach and WeChat interactions the Bank enhances empathy Financial Information Security and the Measures for the Administration of Personal Financial Information Security to

understanding and emotional support thereby reducing customer resistance and anxiety while encouraging voluntary strengthen financial information security management ensure the stable operation of its businesses and safeguard

repayment. This approach fosters a respectful positive and relaxed communication environment improving both the confidentiality and integrity of financial data. During the current year the Bank also issued the Provisions on

collection effi ciency and customer experience. the Administration of Production Data and revised the Measures for the Administration of External Data thereby

standardizing requirements for the collection storage transmission use backup and destruction of customer data

Cases of Compassionate Debt Collection by Changshu Rural Commercial Bank

and ensuring eff ective governance across the entire data life cycle. In addition the Bank has conducted data security

risk assessments privacy protection inspections of financial mobile clients and compliance reviews of personal

Mr. Ding a customer engaged in vegetable procurement applied to the Bank for a loan renewal of data collection practices in mobile applications thereby comprehensively enhancing customer privacy protection. In

RMB 200000 on August 12 2021 to support working capital needs and subsequently maintained accordance with the requirements of industry regulators the Bank also issued the 2026 Work Plan for Improving Data

normal repayment. In August 2023 the customer informed the Bank that a substantial amount of Security Management Capabilities further strengthening its data security governance framework reinforcing full life cycle

accounts receivable had become uncollectible his business had ceased operations and his health had security protection and enhancing its risk prevention control and emergency response capabilities. These measures

deteriorated making it likely that he would be unable to pay the loan interest on time. The loan ultimately provide strong and reliable data security support for digital transformation and high-quality business development.became overdue in September. The Bank promptly arranged an on-site visit and brought small gifts to

express concern for the customer’s health. To support the customer the Bank also off ered assistance in Customer Complaints

recovering outstanding receivables. As a result the customer recovered RMB 10000 and immediately

used the funds to make a partial loan repayment. Over the following months the Bank continued its

Changshu Rural Commercial Bank has consistently adhered to a customer-centric philosophy and placed high priority

compassionate follow-up and sustained customer care. On two subsequent occasions after the customer

on complaint management. It has expanded customer feedback channels by publicizing complaint hotlines at business

recovered an additional RMB 10000 in receivables each time he promptly repaid the corresponding

outlets and providing comment books. In addition the Bank has established a standardized closed-loop mechanism

amounts to the Bank.characterized by verifi cation fi rst prompt resolution and review.The Bank has innovatively compiled the Manual on Hall Complaint Handling. Centered on the pain points and typical

Customer Zhao was granted a Liuxing Loan with a credit limit of RMB 36000 by the Bank in July complaint cases encountered in frontline service scenarios it systematically organizes six core modules: complaint

2021. The customer initially operated a catering business that generated modest profi ts; however the sources handling procedures communication scripts response skills analysis of abnormal scenarios and external

business gradually deteriorated amid repeated COVID-19 outbreaks. The loan was primarily used for response templates. This manual comprehensively refl ects the diversity and complexity of complaints. It serves as a

the restaurant’s working capital. At the same time the customer’s father was diagnosed with bone highly practical reference for employees strengthens their awareness of service details and professional competence

cancer placing the family under signifi cant fi nancial and emotional strain. As a result of these combined and ultimately improves both the effi ciency of responding to customer complaints and the overall service experience.pressures the loan became past due in August 2021. Initially the customer declined to answer phone

calls. The Bank’s compassionate collection specialist then maintained patient follow-up and established In addition the Bank disseminates typical complaint cases through both online and offl ine channels including the Lanxin

rapport by discussing topics such as the customer’s children’s education. During a conversation lasting Official Account monthly business-line meetings and staff training programs to strengthen employees’ complaint-

more than 40 minutes the customer described the family’s diffi culties and repayment challenges. The handling capabilities. The complaint management team also conducts quarterly follow-up calls with complainants

specialist responded with empathy offered support and assisted the customer in accessing relevant and provides feedback to pilot zones for further improvement based on satisfaction results thereby comprehensively

relief policies. Deeply moved by this approach the customer voluntarily repaid the outstanding balance enhancing outlets’ overall service quality.of RMB 44000 in full and later sent holiday greetings during the Spring Festival to express gratitude.This case demonstrates the effectiveness of compassionate collection in reducing risk and rebuilding

customer trust. In 2025 the Bank handled a total of 501 fi nancial consumer complaints representing a year-over-year

decrease of 31.46%.

139 140Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Metrics and Targets

Regional Composition of Complaints at Changshu Complaint Handling Channels of Changshu

Rural Commercial Bank

To continuously improve customer service levels and strengthen consumer rights protection the Bank has consistently Rural Commercial Bank

adhered to a customer-centered service philosophy actively responded to regulatory requirements and systematically

planned and steadily advanced the management of fi nancial consumer complaints. In 2025 the Bank focused on the

core goal of reducing complaints and improving service quality and effi ciency and took measures such as standardizing

complaint handling processes strengthening data analysis and rectification ensuring accountability and improving

evaluation mechanisms. These comprehensively optimized the customer experience effectively enhanced the

accessibility convenience and satisfaction of fi nancial services promoted continuous improvement of customer-related

indicators and contributed to building a high-quality warm fi nancial service brand.On-Site Business E-channels Middle and Back-Offi ce

Customer Feedback Performance of Changshu Rural Commercial Bank Headquarters Cross-regional Operations 32.73% Business Channels

57.09%（286）25.35%（127）58.88%7.39%

Total Financial Consumer Complaints

Complaint Resolution Rate (%) Satisfaction Rate of Resolution (%) Local Self-Service Machines Third-Party Channels

Handled by the Bank

17.56%（88）0.60%0.40%

731 501 100 100 98.8 98 Distribution of Complaint Reasons by Business at Changshu Rural Commercial Bank

Complaints arising from financial Complaints ar is ing f rom

institution management systems debt collection methods and

business rules and processes means

202420252024202520242025

79.24%（397）3.19%（16）

Complaints arising from service Complaints arising from pricing

treatment and service quality and fees

Complaint Composition by Business Category at Changshu Rural Commercial Bank

2.40%（12）10.58%（53）

Complaints arising from financial Complaints ar is ing f rom

ins t i t u t i on se rv i ce se t t i ngs market ing methods and

Loans Bank Card Services Personal Financial Information equipment and business systems means

62.48%（313）23.75%（119）4.59%（23）

1%（5）0.60%（3）Debt Collections Savings Payment and Settlement Complaints arising from right of Complaints ar is ing f rom

2.79%（14） 2.2%（11） 1.8%（9） choice consumer fund security

Others Bank Agency Services 2.00%（10） 0.60%（3）

1.6%（8） 0.8%（4） Complaints arising from consumer Complaints ar is ing f rom

information security product returns

0.20%（1）0.20%（1）

141 142Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Supplier Management The Bank has established a standardized supplier database and implemented hierarchical and classifi ed management continuously optimizing its supplier structure through a systematic evaluation and assessment mechanism. In supplier

development and access the Bank has taken the lead in integrating ESG indicators into its evaluation system explicitly

Changshu Rural Commercial Bank strictly complies with national laws and regulations including the Bidding Law of requiring suppliers to align with the Bank’s standards in business ethics workplace safety occupational health human

the People’s Republic of China and its implementing rules and fully implements internal policies such as the Supplier rights protection environmental performance and related areas thereby fostering a responsible and sustainable

Management Regulations of Jiangsu Changshu Rural Commercial Bank Co. Ltd. These measures standardize the end- supply chain ecosystem. Meanwhile the Bank has strengthened internal capacity building. The Finance Technology

to-end management of procurement and cooperation. The Bank has also established a robust regular communication Headquarters organizes specialized training on centralized procurement providing detailed interpretation of the Bank’s

mechanism with suppliers enhancing information exchange coordination and mutual trust. It is committed to fostering internal centralized procurement policies and representative case studies and comprehensively enhancing procurement

long-term stable transparent and integrity-based strategic partnerships thereby laying a solid foundation for the personnel’s professional competence and compliance awareness.coordinated development of the supply chain. Centralized Procurement Process Management of Changshu Rural Commercial BankWith adherence to the principles of a fair just and open market our Bank firmly safeguards the rights of small and Formulate the Annual On-site Survey（Centralized Project Approval Applicationmedium-sized enterprises (SMEs) to participate equally in market competition and actively promotes the diversifi cation Procurement Plan（Centralized Procurement Offi ce & （Procurement Committee）and sustainable development of the supplier system. We strictly fulfill our contractual obligations and ensure that Procurement Offi ce） Requester Department）

payments to SMEs are made promptly and in full fully protecting the legitimate rights and interests of small and medium-

sized suppliers.Publicize Pre-procurement Information Shortlisting & Pre-qualifi cation I s s u e P r o c u r e m e n tBy the end of 2025 our Bank has no overdue payments to SMEs which fully demonstrates the （Centralized Procurement Offi ce & （Centralized Procurement Documents（Centralizedresponsibility integrity and support of a responsible enterprise toward its supply chain partners. Requester Department） Offi ce & Requester Procurement Office &Department） Requester Department）

Supplier Performance of Changshu Rural Commercial Bank For IT infrastructure hardware and software procurement the Bank prioritizes domestic products including office

computers peripherals server room servers network equipment and fi nancial machines and tools.Metric 2025 Value

Total Number of Suppliers 191

Total Number of Chinese mainland Suppliers 191Including：Number of Suppliers in North China （including Beijing Tianjin Hebei

28Shanxi Shandong Inner Mongolia）

Number of Suppliers in East China (Shanghai Jiangsu Zhejiang Anhui Fujian) 135

Number of Suppliers in Central China (Henan Hubei Hunan Jiangxi Backup Appliance Procurement Project

2

Sichuan Chongqing)

Number of Suppliers in South China (Guangdong Guangxi Zhuang

25

Autonomous Region Yunnan Guizhou Hainan)

Number of Suppliers in Northwest China (Shaanxi Gansu Qinghai Ningxia Xinjiang) 1

Percentage of Suppliers with Quality Management System Certifi cation (%) 47

Percentage of Suppliers with Environmental Management System Certifi cation (%) 15

Percentage of Suppliers with Occupational Health and Safety Management System

19 Data Center Network Equipment

Certifi cation (%) Centralized Storage Expansion ProjectExpansion Project

143 144Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Safety Management Measures for the Investigation of Safety Risks and Hazards

At the Headquarters each department and fl oor area has appointed one to

Changshu Rural Commercial Bank is committed to establishing a comprehensive work safety management system two fi re safety offi cers responsible for managing doors windows water supply

conducting thorough safety hazard inspections strengthening emergency response management promoting safety fi re protection equipment and electrical systems within their respective areas

culture advancing digital safety management and improving employee occupational health management. Through as well as directing personnel evacuation during emergencies.comprehensive safety oversight the Bank enhances governance effi ciency and ensures the stable and orderly operation

Routine Patrols

of its businesses. Each branch has established a security leadership team and assigned

dedicated personnel to conduct safety risk and hazard inspections at

its business outlets. Key inspection areas include fire protection facility

Work Safety Management System maintenance fire safety management kitchen safety management critical

area safety management and building safety management.Changshu Rural Commercial Bank adheres to the work principle of prevention fi rst entity-based responsibility prioritizing

key areas and ensuring safety. It fi rmly establishes the concept of safe development strengthens bottom-line and worst-

case scenario thinking and comprehensively promotes the digital and intelligent transformation of safety management

Focusing on key facilities such as the Yangu Data Center Development

providing strong safety support for the Bank’s high-quality development.Zone Disaster Recovery Room Mocheng Archives Building projects

under construction idle assets and self-owned leased properties on-site

The Bank has comprehensively reviewed its safety management policies amending and updating a number of Key Area

supervisors assigned dedicated personnel to conduct strict inspections of

regulations including the Administrative Measures for Safety Management Interim Provisions on Outsourced Safety Inspections

fire protection system functionality the unobstructed status of safety exits

Management Services Incentive Mechanism for Internal Reporting of Safety Risks and Hazards Provisions on Closed-

the stability of power supply facilities and the standardization of on-duty

Loop Rectifi cation of Safety Issues and Hazards and Measures on Rewards and Penalties for Safety Management. It

management.has implemented an all-staff responsibility system for work safety and continues to strengthen the safety management

system and mechanism. In addition the Security Department has been established as a dedicated safety management

unit to further reinforce the primary responsibility for safety.Prior to major holidays including New Year's Day Spring Festival Labor

Leadership Day and National Day the headquarters leaders in charge of security

In 2025 the Bank invested RMB 69.76 million in work safety. Team-Led lead comprehensive hidden danger inspections. By promoting rectifi cation

Supervision

through inspection the quality and effi ciency of work safety before holidays

are further improved.Work Hazard Investigation

The Security Department conducts quarterly on-site inspections. Throughout

The Bank places great emphasis on identifying potential work hazards conducts daily safety inspections and targeted

the year 652 business outlets were inspected with a focus on monitoring

checks in key areas with meticulous rigor fully leverages the oversight role of the leading group and strengthens the

equipment management cash box handover procedures arming and

closed-loop remediation of hidden hazards thereby eff ectively preventing major work safety incidents.Long-Term disarming protocols storage of marketing materials and fi re exit management

Security among other areas.In 2025 the Bank introduced an incentive mechanism for internal reporting of safety risks and hazards to strengthen Supervision

positive reinforcement. By combining rigorous assessment in safety management with the flexible guidance of

The on-duty personnel at the Headquarters Monitoring Center are responsible

this mechanism the Bank encouraged frontline employees to proactively identify potential hazards and effectively

for non-offsite inspections on a regular basis with a total of 627 business

strengthened the internal motivation for safety management across all staff .outlets inspected throughout the year.

145 146Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Performance on Safety Hazard Investigation Work Safety Emergency Management

The Bank regards work safety emergency management as a critical component of strengthening its safety production

Number of Safety Hazard Number of Safety Hazards Safety Hazard Rectifi cation defense line. Guided by the principle of prioritizing prevention while integrating prevention with response it has

Inspections Rectifi ed Rate (%) progressively established a clearly defined emergency management system. The Bank has formulated a series of

7 84 100 policies including the Fire Emergency Plan for the Headquarters Building of Jiangsu Changshu Rural Commercial Bank Co. Ltd. the Detailed Rules for the Implementation of Guidelines on Emergency Response to Emergencies at Business

Outlets of Jiangsu Changshu Rural Commercial Bank Co. Ltd. and the Emergency Response Plan for the Monitoring

Center of Jiangsu Changshu Rural Commercial Bank Co. Ltd. In addition the Bank has strengthened emergency drills

Case Strengthening Pre-Holiday Safety Inspections advanced a shift toward pre-event prevention in safety governance and built a robust safety barrier.In 2025 the Bank’s responsible leaders conducted pre-holiday safety inspections. They reviewed security In response to the current safety situation the Bank has organized multiple fi re safety training sessions accompanied

facilities at key non-operational premises and selected business outlets on site verifi ed the allocation of fi re by evacuation and fi re-extinguishing drills. The Headquarters has conducted a total of nine fi re safety training sessions

protection equipment and the replacement of outdated or damaged devices and examined the standardized and two emergency drills. Fire drills across all branches have been implemented in an orderly manner in batches with

inbound and outbound procedures at the vault’s cash sorting center. These measures further strengthened fi re anti-riot and anti-robbery drills conducted once every six months. Through full participation in training and practical

accountability for safe production and operations and safeguarded the secure functioning of business exercises employees are equipped to respond appropriately to emergencies in accordance with established procedures

activities across the Bank’s outlets. at the earliest opportunity. In total all branches have conducted 150 safety training sessions and 252 emergency drills.Case Fire Emergency Evacuation Drill

On November 11 2025 a fi re emergency evacuation drill was conducted at the Headquarters. The drill was

designed to strengthen employees’ ability to respond eff ectively to fi re emergencies and evacuate safely

while further evaluating the practicality of the emergency response plan improving evacuation procedures

and coordination mechanisms and protecting the safety of personnel and assets at headquarters.Case Conducting Safety Hazard Investigation at Changyin Academy

On December 24 2025 the Bank conducted a comprehensive

safety hazard inspection at Changyin Academy (Suzhou Financial

Salon). The inspection covered the conference area teaching area

accommodation area canteen parking lot and key underground fi re

safety locations. Key checks focused on potential hazards related

to fi re protection facilities electrical circuits special equipment and

emergency supplies. A management mechanism of one hazard one

ledger was established to eff ectively prevent and resolutely curb all

types of fi re safety accidents.

147 148Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Case Fire Drills and Emergency Drills for Robbery and Riot Prevention Plans Measures for Safety Culture Development

In 2025 all institutions of the Bank conducted fi re and emergency drills in accordance with robbery and riot Establishing a Bank-wide Safety Publicity Platform

prevention plans. Professionals were invited to provide detailed instruction on the causes of various types The Bank has launched a work safety radio channel and established a work safety column with six dedicated

of fires fire-fighting techniques and the proper use of different fire extinguishers as well as emergency sections including case warnings severe weather safety tips and fi re safety knowledge. A Safety Calendar

avoidance escape and rescue skills for riot scenarios. These initiatives strengthened the emergency feature has also been introduced. To date more than 80 articles have been published attracting a cumulative

response capabilities of outlet staff and ensured the safe operation of business outlets. readership of 300000 visits.The Bank organized the Fire Safety live broadcast event attracting 3116 viewers and receiving more than

25000 likes.

The Bank has produced instructional videos including Introduction to Fire Safety Game Rules Handling

Procedures for Faulty Alarm Devices at Business Outlets and Standardized Procedures for Cash Box Escort

and Handover at Business Outlets as well as an animated micro-lesson Guide to Emergency Response at

Business Outlets thereby enabling scenario-based safety education.Building a Bank-wide Safety Knowledge Hub

The Bank has established a four-in-one safety knowledge system comprising a Policy Library an Operations

Library a Hazard Library and a Case Library.The Policy Library serves as the normative foundation systematically integrating laws regulations and the

Bank’s safety management rules and systems.Work Safety Culture The Operations Library functions as the implementation guide by refi ning safety operating standards for each

The Bank is committed to strengthening its internal drive to build a robust safety line. Through regular outreach and position.education it promotes a safety-oriented development philosophy ensures that safety awareness is deeply ingrained The Hazard Library serves as the risk data repository by regularly compiling potential hazard cases.among all staff and strives to establish a safety culture characterized by full participation process-wide control and

comprehensive coverage. The Case Library acts as an experiential knowledge base by collecting representative work safety and fire

safety accident cases from across society thereby forming a closed-loop management system that integrates

Work Safety Pictures theoretical support with practical guidance.Launching a Bank-wide Safety AI Brain

The Bank has developed a bank-wide Safety AI Brain accessible via mobile and desktop devices that provides

real-time responses to work safety questions encountered by staff across the organization.Producing Fire Evacuation Instruction Cards for the Head Offi ce Building

In response to issues identifi ed during fi re drills at the Headquarters building such as inadequate employee

emergency evacuation capabilities fi re evacuation cue cards have been developed. These cards clearly and

intuitively outline evacuation procedures routes and precautions thereby enhancing Headquarters staff’s

Public Account on Work Safety Work Safety Knowledge Library emergency evacuation capacity.

149 150Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

The Bank has established a three-tier training system encompassing the Headquarters branches and individual Digital Safety Management

employees to systematically enhance safety capabilities.The Bank has consistently increased resource investment and innovation in security protection achieving real-time

In 2025 all staff members of the Bank’s Security Department successfully obtained the Level 3 vocational risk perception accurate early warning and intelligent response thereby elevating the quality and effi ciency of security

certifi cation for security administrators. management.Three-Tier Safety Training System The Bank’s safety management platform integrates multiple functional modules including safety inspection closed-

loop rectifi cation daily management monitoring access access control cash escort management risk early warning

and intelligent fi re protection. By enabling data sharing and coordinated instruction across these modules it signifi cantly

Headquarters

enhances the systematization and standardization of the Bank’s safety management.Headquarters Implementing a Theory + Practice dual-wheel drive approach conducting quarterly

fi refi ghting drills Meanwhile the Bank has fully advanced the development of its intelligent fire protection system. Standardized

deployment of intelligent fi re protection equipment has been completed across all business outlets with 738 fi re alarm

sensors 2063 intelligent air switches and power consumption monitoring devices 53 electrical monitoring hosts and 810

Branches temperature humidity and fi re water supply sensors installed. These devices cover all key areas of the Bank’s outlets. As

Branches a result the Bank has established a multidimensional intelligent fi re protection system that integrates fi re alarm detection

Implementing an Inspection + Training integration mechanism establishing a On-site electrical circuit monitoring smoke detection fire water pressure monitoring and computer room temperature and

Inspection – Problem Analysis – Rectifi cation Training closed-loop workfl ow humidity early warning. This system enables second-level alerts and full-process closed-loop management of potential

risks and hazards.Occupational Health Management

Individuals

The Bank adheres to a people-oriented philosophy and prioritizes the physical mental and occupational health and

Individuals Through the Xiaoyan Academy mobile learning platform setting up modules such as safety of its employees. It regularly provides annual health examinations and first-aid training to protect employees’

micro-courses and online testing achieving 100% in both safety training coverage and occupational well-being.pass rates

Case Public Emergency Rescue Training

The Bank has actively implemented publicity efforts under the Five-To initiative extending outreach to schools In collaboration with the Red Cross Society of Changshu the Bank conducted 93 person-times of public

enterprises communities rural areas and households and encouraging customers and the public to participate in work welfare first aid training (CPR + AED) during the year. The program covered the Heimlich maneuver

safety activities. cardiopulmonary resuscitation (CPR) and the use of automated external defi brillators (AEDs). By combining

theoretical instruction with hands-on practice the training ensured that employees quickly mastered the

essential procedures and key principles of emergency response.By the end of 2025 the Bank conducted 208 publicity and education activities across the institution.Case Launch of Special “Safety Promotion and Consultation Day”

On June 16 2025 the Bank in collaboration with the Changshu Emergency Management Bureau and the

Changshu Convergence Media Center hosted a special Safety Promotion and Consultation Day event. The

event also launched the incentive-based learning initiative Safety Experts Enter Ten Thousand Households

further cultivating a strong social atmosphere for the collective development of a safe production and living

environment.

151 152Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

In 2025 through a series of regular distinctive and themed activities the Bank’s Psychological Association eff ectively

helped employees expand their psychological knowledge alleviate work-related stress regulate emotional states

strengthen the mental health support system for staff and enhance overall resilience and well-being. Meanwhile the

Bank actively encouraged employees to apply psychological counseling methods in family life improve parent-child

communication and foster a harmonious and warm family environment.Regular Activities of the Psychological Association

Lan Hai Talks About Growth a Harbour of the Mind Video Course – Understanding Adolescent

Parent-Child Course Learning Psychology

Platform

Sharing Online Courses Interactive Parent-Kid Education

Featured Activities of the Psychological Association Themed Activities of the

Psychological Association

Staff Management

Changshu Rural Commercial Bank has fostered harmonious labor relations by standardizing employment practices

improving remuneration supporting employee development implementing care initiatives and ensuring open

communication thereby achieving mutually benefi cial outcomes for the institution and its employees.By facilitating the parent-child communication for primary

and secondary school students the Bank helps employees

strengthen emotional bonds with their children and address

parent-child communication challenges. Staff Employment

The Bank has consistently complied with the Labor Law of the People’s Republic of China the Labor Contract Law

of the People’s Republic of China the Law of the People’s Republic of China on the Protection of Minors and other

applicable laws and regulations. It upholds lawful employment practices prohibits the use of illegal labor and child labor

and opposes discrimination based on age gender ethnicity or any other factor. Committed to equal employment and

fair recruitment the Bank respects employees’ diverse religious beliefs and customs and ensures equal pay for equal

Changyin Feiyan Home Providing

work as well as equal development opportunities for male and female employees. It is devoted to building stable and

7×24 Psychological Counseling

Work stress relief and emotional management harmonious labor relations and fostering a diverse equal democratic and inclusive workplace.Hotline

153 154Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Staff Data

Total Number of Employees Number of Employed Veterans

747333

Employees by Employees by

Employment

Employment Ratio of Employed Veterans (%) Number of Disabled Employees Education Type

0.00443

Bachelor's Degree：6337 Contract Employees：7369

Percentage of Disabled Employees (%) Number of Jobs Provided in 2025 College and Below：658 Dispatch Employees：104

0.0004 601 Master's Degree and Above：478 Part-Time Employees：0

Employment Contract Signing Rate (%) Coverage Rate of Five Insurances and Employee Turnover Data

Housing Fund (%)

100 100 Employee Turnover Rate (%) Number of Employee Departures

4.86390

Employees by Employees by Employees by

Gender Age Level Number of Number of

Departures Departures by Age

by Gender

Female Employees：4128 30-50 Years Old：5024 General Employees：6784

Male Employees：3345 Under 30 Years Old：2152 Middle-Level Employees：682 Male Employees：208 Under 30 Years Old：246

Over 50 Years Old：297 Senior Management：7 Female Employees：182 30-50 Years Old：143

Over 50 Years Old：1

155 156Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Regarding campus recruitment the Bank has adopted an innovative online-offl ine integrated model to expand recruitment Staff Benefi ts

scope and enhance candidate quality. In 2025 it held two campus recruitment sessions employing student-friendly

initiatives such as bookstore salons live-streamed presentations and open day experiences. Consequently application

The Bank’s employee benefi ts comprise statutory and supplementary provisions. Statutory benefi ts include endowment

numbers reached a record high in the Bank’s recruitment history.medical unemployment work-related injury maternity insurance and housing fund contributions all provided in

For social recruitment the Bank adheres to a targeted hiring strategy and has successfully recruited 80 experienced accordance with applicable laws and regulations. Supplementary benefi ts include a well-established annuity system as

professionals. This approach has primarily met talent needs in critical and high-value areas including micro and small well as critical illness accident and term life insurance coverage for employees.business teams the postdoctoral research station investment banking and treasury operations while also helping to

ease employment pressure. Staff Development and Training

In 2025 the Bank recruited 209 employees in total including 80 through social The Bank places great emphasis on employee development continuously enhancing its staff training and career

recruitment 120 through campus recruitment and 9 management trainees through development framework broadening advancement pathways stimulating internal motivation and cultivating a core team

campus recruitment. equipped to adapt to the evolving fi nancial landscape of the new era.Staff Remuneration and Benefi ts Staff Promotion

The Bank has optimized its remuneration and benefits management system adhered to principles of performance

In 2025 the Bank revised the Measures for the Selection and Appointment of Cadres formulated the Measures for the

orientation fairness and impartiality and enhanced its remuneration distribution welfare security and long-term

Management of Reserve Cadres established reserve cadre pools at all levels and compiled the Handbook for New

incentive mechanisms to fully motivate employees’ initiative and enthusiasm and to promote value sharing between the

Branch Presidents thereby continuously improving its selection and appointment mechanism.Bank and its employees.The Bank has consistently adhered to an employment philosophy that integrates political integrity with professional

Staff Remuneration competence. It has established an H-shaped dual career pathway that gives equal emphasis to and enables two-

way development between the management and professional tracks. In addition the Bank advances the diff erentiated

In 2025 the Bank established a workforce efficiency budget management mechanism and integrated the workforce

development and dynamic cultivation of the Honghu Soaring management talent echelon and the Kunpeng Spreading

efficiency concept into its comprehensive budget management system. This initiative has advanced employee

Wings professional talent pipeline off ering employees diverse development opportunities.management from a uniform model to a refined tiered and categorized framework. At the same time differentiated

workforce effi ciency targets and management requirements were set according to the characteristics of various business

Dual Career Development Paths

lines and institutions thereby making workforce effi ciency management more targeted and eff ective.The Bank has established a performance appraisal system oriented toward profi t centers and value contribution. Moving Senior Managers Senior Experts Jiangxin Program

beyond the traditional evaluation model for front-offi ce departments it links performance appraisal to Economic Value Lingfei Program

Added (EVA) to more accurately assess capital consumption and profit returns thereby enabling more scientific and Middle Managers Experts （Senior） Jiangcai Program

rational resource allocation. Tengfei

Program Lion ProgramJunior Managers Core Backbones Libra Program

The Bank has established a comprehensive remuneration system to incentivize employees to pursue diversifi ed business (Intermediate) (Intermediate) Aquarius Program

development rather than remain confi ned to their original business lines. Through expanded cross-business initiatives Qifei Program Backbones (Junior) Taurus Program

employees may obtain multiple income sources including base salary bonuses variable performance pay and talent ……

Grassroots Business

incentives thereby enabling diff erentiated remuneration allocation and fully motivating employee performance. Xinyan Personnel Jiangcheng

Program Program

Meanwhile the Bank has established small profit centers and growth center project teams to reduce departmental New Employees

barriers. Revenue-generating initiatives are organized as task forces and participants are eligible for additional Management Track Professional Track

remuneration based on project output and profi t contribution thereby reinforcing the principle of greater pay for greater Career Development PathwaysDevelopment Program Development Program

work and superior pay for superior performance.

157 158Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Professional Track Development Program Cases of Management Track Development Program

Jiangxin Program Lingfei Program

An external training and exchange platform has been established. In 2025 25 professionals were Held the “New President Training Launch & Mentor-Mentee Signing Ceremony”

selected for external training programs across key functional areas including finance and risk

management. The training curriculum is closely aligned with

business development incorporates exemplary

external management practices and establishes

an internal platform for exchange and knowledge

Jiangcai Program

shar ing to s t rengthen the leadersh ip and

Training Program for Staff of Village-upgraded Branches professional capabilities of new branch presidents.This year’s participants include employees from village-

upgraded branches. The courses focus on IPC microfinance

technology improved marketing and risk control capabilities Launched the 2025 Senior Executives Visit Program

and compliance awareness enabling staff to strengthen Two sessions of the 2025 Middle and Senior

professional skills and enhance overall service capacity. M a n a g e m e n t C o m p r e h e n s i v e C a p a c i t y

Improvement Training Course;Promoted the “Double Hundred Professional Talent One session of the 2025 Middle and SeniorTraining” initiative. M a n a g e m e n t C o m p r e h e n s i v e C a p a c i t y

The Bank assisted in the development of digital talent Improvement Training Dynamic Review Camp.training and completed digital talent cert i f ication.Collaborated with the Retail Banking Department to deliver

the “100+100” New Media Talent Training Program.Tengfei Program

The Bank conducted one session of the 2025

Deputy Assistant Empowerment Training

Jiangcheng Program Course. The program integrated high-quality

internal and external teaching resources with

Cultivated Internal and External Trainers Innovative Teaching Materials and Methods industry experts delivering specialized lectures.Focused on the core competency requirements

Workshops were established for curriculum To enhance post value a series of core job of the deputy assistant role the curriculum

development at the Corporate Finance Institute manua ls have been deve loped and the covered strategic thinking management

and in small business courses; individualized development of sand table courses for the bill p rac t ice leadersh ip deve lopment and

guidance on course design and development business and international business has been innovative practice providing strong support

are also provided. completed. for participants to enhance their performance

capabilities.

159 160Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Organizational Development for Employee Training

Qifei Program Four Centers

Two sessions of the 4th “Qifei Training Camp” Details Cultural Center Leadership Center Professional Competence Center Academic Aff airs Center

were conduc ted invo lv ing a to ta l o f 70

participants. The program included courses on Duties Responsible for overall internal training planning resource integration and quality control.corporate culture broadening perspectives

innovative thinking and role recognition and Nine Schools

transformation. Through a model that combined

Details Corporate Culture School Institution Management School Micro and Small Finance School

intensive face-to-face instruction with on-the-job

Corporate Finance School Retail Finance School Operations Management School Credit Risk

practice the training promoted active participation

Control School Financial Technology School Xingfu Country Bank SchoolCorporate Culture School

exchange of ideas and sharing of experience

Institution Management School Micro and Small Finance School Corporate Finance School Retail

thereby continuously enhancing participants’

Finance School Operations Management School Credit Risk Control School Financial Technology

overall quality and professional competence.School Xingfu Country Bank School

Duties Refine training modules according to business areas and functional directions to improve training

Staff Training precision.The Bank has established a bottom-up tiered and categorized training system comprising four modules: corporate Case Launch of the Xinyan Program New Employee Training

culture promotion new employee orientation professional training and management training. This framework

The Bank launched the Xinyan Program to train

accelerates the integration of new employees enhances the capabilities of current staff and supports the development

new employees in corporate culture general

of high-potential talent. Through the online and offl ine platforms Changyin Lecture Hall and Xiaoyan Academy the Bank

business knowledge and practical skills. The

enables outstanding employees to realize their personal value advances organizational development and fosters a

program accelerates integration and prepares

virtuous cycle between individual growth and institutional performance.employees for their roles.With the goal of coordinating resources clarifying responsibilities fostering collaboration and delivering targeted

empowerment the Bank established Changyin Academy and developed an internal training structure comprising

Four Centers and Nine Schools. This has created an effi cient coordinated training mechanism led by the Centers and

implemented by the Branches further enhancing the quality and effi ciency of employee training. Case Practical Sandbox Course

The Bank has innovatively adopted scenario-

based simulation sandboxes. Through the full-

process practice of communication collaboration

and decision-making the courses are integrated

with real business scenarios to the greatest extent.Participants are guided to strengthen strategic

thinking communication col laboration and

problem-solving skills in simulated operations

cultivating professionals with both expertise and

practical capability to support the Bank’s high-quality

development.

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Staff Training Data Case Launch of the “Warmth in Winter and Spring Festival” Activity

Metric 2025 Value In January 2025 the Bank launched the Warmth in Winter and Spring Festival outreach initiative providing

winter supplies to frontline staff assessing peak-season branch operations and continuously monitoring

Total Number of Trainings 400 employee needs to deliver targeted support and services.Total Training Hours 226565.43

Total Training Attendance 55410

Training Expenditure (RMB 10000) 1149.47

Average Training Hours per Employee 43.16

Average Training Hours for Senior Management 19.91

Average Training Hours for Middle Management 42.27

Average Training Hours for Frontline Employees 42.04

Employee Training Coverage Rate (%) 100 Case Launch of the “Coolness in Summer” Care Activity

Number of ESG Trainings 1

In 2025 the Bank launched the Coolness

in Summer care ini t iat ive providing

Staff Care heatstroke prevention and cooling supplies

to frontline staff to safeguard employee

The Bank consistently upholds a people-oriented philosophy values employee well-being protects their rights and health eff ectively.interests and enhances staff satisfaction through diverse cultural and sporting activities.Staff Assistance

Case Caring for On-the-Job Employees During the Double Festivals

The Bank conducts annual screenings to identify employees in need and extends condolences to those experiencing

hardship. It also implements a range of care initiatives including the Warmth in Winter and Spring Festival campaign

In October 2025 the Bank launched a special care initiative for frontline employees working during

the Coolness in Summer campaign special visits to frontline staff during National Day and the Mid-Autumn Festival and

the National Day and Mid-Autumn Festival. By visiting frontline branches in person the Bank gained a

year-end closing-day condolences thereby demonstrating a strong commitment to humanistic care.detailed understanding of holiday operations customer service and logistical support engaged in cordial

discussions with on-duty employees and extended sincere greetings and festival wishes.The Bank pays close attention to employees’ ideological status. For staff who submit resignation applications it conducts

in-depth discussions to understand their reasons for leaving and address concerns at the source. Employees unable to

adapt to their positions due to personal reasons are provided with transfer assistance.The Bank did not implement any layoff s in 2025.

163 164Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Case Headquarters Leadership Visits Frontline Staff on Year-End Closing Day Staff Rights and Interests Protection

In December 2025 members of the Bank’s The Bank is committed to safeguarding the legitimate labor rights and interests of its employees. It applies for work-

headquarters leadership visited employees working related injury certifi cation on behalf of its staff actively cooperates with relevant authorities to complete the certifi cation

diligently in their posts. They listened to refl ections process and ensures the timely implementation of corresponding benefi ts. In this manner the Bank protects employees’

on the past year and expectations for the year rights and interests eff ectively and without delay. Meanwhile through enhanced labor protection systems an improved

ahead encouraging all personnel to complete working environment and strengthened safety training the Bank fosters a harmonious safe and dignifi ed workplace

year-end responsibilities with enthusiasm and a demonstrating its fi rm commitment to employee well-being.pragmatic work ethic as they welcomed the new The Bank also places great importance on protecting the rights and

year. interests of veterans. Through events and symposiums held in honor

of veterans on Army Day the Bank strengthens veteran employees’

sense of pride and belonging while upholding the tradition of supporting

the military. In addition the Bank prioritizes the rights and interests of

female employees by strictly implementing policies on special leave

including prenatal check-up leave maternity leave and breastfeeding

leave. It also regularly organizes employee care activities to support

women’s work-life balance while fostering team cohesion through Application materials for work-related injury

thoughtful and eff ective measures.Case Army Day Support-for-Veterans Activity

In August 2025 the Bank organized a veterans-

support initiative titled Inheriting the Red Gene

Forever Preserving the Military Character. Through

Case Care Activity for Employees' Children with College Entrance Examination Admission visits to the Zhou Enlai Memorial Hall and Former

Residence as well as exhibitions of historical artifacts

In August 2025 the Bank hosted the 2025 Care photographs and documents participants revisited

Activity for Employees’ Children Taking the College the enduring spirit of revolutionary predecessors

Entrance Examination providing a platform for further strengthening team cohesion.them to demonstrate their talents exchange ideas

and relieve stress while reinforcing the Bank’s

Case Army Day Workshop for Veteran Employees

strong commitment to employees and their families.In August 2025 on Army Day the Shajiabang Sub-

branch convened a symposium for veteran employees

further strengthening military-bank cooperation and

laying a solid foundation for developing a distinctive

military-support service brand.

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Staff Activities Case National Day Hiking

In October 2025 the Bank organized the 2025 National Day Nanhu Wetland Hiking Activity under the theme

The Bank organizes a diverse range of cultural and sports activities to continuously enrich employees’ leisure time and

Walk Together with Warmth Embrace a Better Future. The event further encouraged employees to maintain

strengthen internal cohesion and solidarity. It has established several associations including table tennis cooking

physical fi tness and reinforced collective momentum for the Bank’s high-quality development.reading singing and instrumental music and farming associations encouraging employees to achieve a healthy

balance between work and life relax both physically and mentally and cultivate their interests. The Bank also continues

to improve on-campus facilities such as the coffee bar laundry room barbershop and gymnasium to enhance

daily convenience for employees. In addition it enriches the staff dining menu through dish collection and cooking

competitions while actively hosting group cultural and sports events including singing contests youth social gatherings

and staff sports meetings thereby boosting morale and motivation for work and innovation.Case Bank-wide Sports Meeting

In October 2025 the Bank held its Autumn Sports Meeting under the theme Marching toward the Light

Growing with Vigor. The event strengthened cohesion and laid a solid foundation for harmonious

collaborative development

Staff Communications

In its daily operations and management the Bank has established multiple channels at various levels and across

functions to promote eff ective communication and knowledge sharing among departments positions and regions.Cross-departmental cross-position and cross-regional working groups have been established to address operational

issues while strengthening collaboration and the exchange of expertise. By developing and enhancing platforms such

as Yanxun WeChat Work and the human resource management system the Bank ensures effi cient communication

both internally and with customers and other stakeholders.The Bank also upholds a democratic employee management

system submitting major matters affecting employees’ vital

interests to the Workers’ Congress for deliberation thereby

safeguarding employees’ lawful rights and interests.

167 168Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Social Contribution Public Welfare and Voluntary Activities

Upholding its founding mission in finance and fulfilling its social responsibilities the Bank actively engages in public

welfare and social development. It serves as a bridge between public livelihoods and inclusive financial services In 2025 the Bank conducted a range of public welfare initiatives including voluntary blood donation

demonstrating the social responsibility and contemporary mission of a local bank committed to regional development and charitable giving and support for the elderly and children. Total expenditure on charity and public

the well-being of the people. welfare reached RMB 6.9947 million including RMB 200000 for rural revitalization. Volunteer service

totaled 1276.5 hours and blood donation attendance reached 831.Charitable and Public Welfare Activities

Blood Donation Caring for Children from Diffi cult Families Four-Season Elderly Care - Double Ninth Festival Visits Charitable Donation

Four-Season Elderly Care - Dragon Boat Festival Visits Four-Season Elderly Care - Mid-Autumn Festival Visits Volunteer Tree Planting “Traceless Mountains” Feiyan Mountain Cleanup

169 170Social Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Social

Rural Revitalization Case Donation of Student Supplies to Baiyang Town Central Primary School

The Bank actively responds to the national rural revitalization strategy focusing on targeted support in key livelihood

On April 16 2025 at the initiative of the Bank’s Charity Foundation Yiyang Xingfu Country Bank established

areas such as education healthcare and flood prevention and disaster relief. Through diversified measures it

by Changshu Rural Commercial Bank in Yiyang actively participated in the program. The bank donated

helps improve rural development conditions and provides financial momentum to strengthen the foundation for rural

student support supplies valued at more than RMB 100000 to Baiyang Town Central Primary School

revitalization.including 600 sets of student desks and chairs 60 sets of office desks and chairs and three sets of water

purification equipment providing meaningful support for Yiyang’s educational development.Case Public Welfare Initiative in Nanhua County to Boost Rural Revitalization

In 2025 the Bank’s Charity Foundation launched a targeted public welfare initiative in Nanhua County

Yunnan Province. By prioritizing education support and medical assistance the program provided sustained

momentum for rural revitalization.Case Charitable Donation Activity in Song County

On April 15 2025 the Charity Foundation of Changshu Rural Commercial Bank in collaboration with Xingfu

Country Bank in Song County donated teaching and learning equipment valued at more than RMB 100000

to Dazhang Town No. 2 Central Primary School Deting Town Central Primary School Hecun Village Primary

School in Hecun Township and Daping Township Junior High School in Song County. This donation is

intended to create a more supportive learning environment and enhance the overall quality of education and

instruction.

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Case Support for Flood Prevention and Disaster Relief in Wuding Village Case Support for Flood Prevention and Disaster Relief in Xianfeng Hubei

In August 2025 Wuding County experienced continuous heavy rainfall. Wuding Xingfu Country Bank On July 1 2025 Xianfeng Hubei Province was struck by record-breaking torrential rainfall. In response

responded swiftly and with great commitment providing emergency assistance to affected village to the government’s call the Xianfeng Pingbaying Sub-branch of Enshi Xingfu Country Bank immediately

committees. The bank proactively contacted disaster-stricken areas to assess urgent material needs and participated in flood prevention and disaster relief efforts. Employees remained at their posts to ensure

promptly organized the purchase of essential supplies including rice cooking oil mineral water and other uninterrupted financial services. In addition five party members cadres and young employees formed

necessities to fully support local flood prevention and disaster relief efforts. an emergency rescue team and were deployed to the hardest-hit areas to assist on-site personnel with

flood control and disaster relief operations. Through these concrete actions the team demonstrated strong

responsibility and commitment to flood relief and the protection of local communities.

173 174Appendix Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report Appendix

Appendix I： Index of Indicator

Guidelines No. 14 of Shanghai Stock Exchange for Self-Regulation of Listed Companies—Sustainability Report (Trial)

Dimension No. Issues Section in this Report Dimension No. Issues Section in this Report

1 Climate change tackling Climate Change Response 18 Due diligence Sustainability Management

2 Pollutant discharge Taking Green Actions Sustainability Management19 Communications with stakeholders

Sustainability related Coordination of Interests of All Parties

3 Waste disposal Taking Green Actions governance Anti-commercial bribery and anti-

20 Adhering to Business Ethics

4 Ecosystem and biodiversity protection Taking Green Actions corruption

Environment Environmental compliance 21 Anti- unfair competition Adhering to Business Ethics

5 Enhancing Environmental Management

management

6 Energy usage Taking Green Actions

7 Usage of water resources Taking Green Actions

8 Circular economy Taking Green Actions

Spotlight: Cultivating Agriculture

Rural Areas and Farmers for Rural

9 Rural revitalization

Revitalization

Social Contribution

10 Contributions to the society Social Contribution

11 Innovation-driven Digital & Intelligent Development

12 Ethics of science and technology Digital & Intelligent Development

13 Supply chain security Supplier Management

Equal treatment to small and medium-

14 Supplier Management

sized enterprises

Society Financial Responsibility Assurance

Protecting Customer Rights

Technology Finance

Safety and quality of products and Green Finance

15

services Inclusive Finance

Pension Finance

Digital Finance

Green Investing and Financing

Data security and customer privacy Protecting Customer Rights

16

protection Digital & Intelligent Development

Safety Management

17 Employees

Staff Management

175 176Appendix Changshu Rural Commercial Bank Co. Ltd| 2025 Environmental Social and Governance (ESG) Report

Appendix II. Feedback Form

Thank you for reading this report. We appreciate and look forward to your feedback. Your opinions and suggestions

are important for us to continuously improve corporate ESG information disclosures and promote corporate ESG

management and practice. Welcome and sincerely thank you for your valuable opinions!

1. Your overall assessment of our ESG performance is:

□ Excellent □ Good □ Fair □ Poor □ Very Poor

2. Your overall assessment of this report is:

□ Excellent □ Good □ Fair □ Poor □ Very Poor

3. What do you think of our performance in communication with stakeholders

□ Excellent □ Good □ Fair □ Poor □ Very Poor

4. What do you think of our performance in sustainability

□ Excellent □ Good □ Fair □ Poor □ Very Poor

5. What do you think of our performance in green development

□ Excellent □ Good □ Fair □ Poor □ Very Poor

6. What do you think of our performance in digitalization

□ Excellent □ Good □ Fair □ Poor □ Very Poor

7. What do you think of our performance in social contributions

□ Excellent □ Good □ Fair □ Poor □ Very Poor

8. What are your opinions and suggestions for our ESG performance and this report

177