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Announcements & Notices
MONTHLY RETURN OF EQUITY ISSUER ON MOVEMENTS IN SECURITIES FOR THE MONTH ENDED 30 APRIL 2026
FF301Monthly Return for Equity Issuer and Hong Kong Depositary Receipts listed under Chapter 19B of the Exchange Listing Rules on Movements in Securities For the month ended: 30 April 2026 Status: New SubmissionTo : Hong Kong Exchanges and Clearing LimitedName of Issuer: CHINA BOHAI BANK CO, LTDDate Submitted: 07 May 2026I Movements in Authorised / Registered Share Capital1 Class of shares Ordinary shares Type of shares H Listed on the Exchange (Note 1) YesStock code (if listed) 09668 DescriptionNumber of authorised/registered shares Par value Authorised/registered share capitalBalance at close of preceding month 6,200,555,000 RMB 1 RMB 6,200,555,000Increase / decrease (-) 0 RMB 0Balance at close of the month 6,200,555,000 RMB 1 RMB 6,200,555,0002 Class of shares Ordinary shares Type of shares Other type (specify in description) Listed on the Exchange (Note 1) NoStock code (if listed) - Description Domestic Unlisted SharesNumber of authorised/registered shares Par value Authorised/registered share capitalBalance at close of preceding month 11,561,445,000 RMB 1 RMB 11,561,445,000Increase / decrease (-) 0 RMB 0Balance at close of the month 11,561,445,000 RMB 1 RMB 11,561,445,000Total authorised/registered share capital at the end of the month: RMB 17,762,000,000Page 1 of 10 v 121FF301II Movements in Issued Shares and/or Treasury Shares and Public Float Sufficiency Confirmation1 Class of shares Ordinary shares Type of shares H Listed on the Exchange (Note 1) YesStock code (if listed) 09668 DescriptionNumber of issued shares (excluding treasury shares) Number of treasury shares Total number of issued sharesBalance at close of preceding month 6,200,555,000 0 6,200,555,000Increase / decrease (-) 0 0Balance at close of the month 6,200,555,000 0 6,200,555,000Public float sufficiency confirmation (Note 4)Pursuant to Main Board Rule 1332D(1) or 19A28D(1) / GEM Rule 1737D(1) or 2521D(1), we hereby confirm that, in relation to the class of shares as set out above, as at the close of the month:✔ the applicable public float requirement (see below) has been complied withthe applicable public float requirement (see below) has not been complied withThe applicable minimum public float requirement for the class of shares as set out above pursuant to Main Board Rule 1332B or 19A28B / GEM Rule 1737B or 2521B (as the case may be) is: Applicable public float threshold Initial Prescribed Threshold - the minimum percentage of public float prescribed at the time of listing (please specify the percentage in "Minimum prescribed public float at the time of listing" below)Minimum prescribed public float at the time of listing Percentage: 1837% of the total number of issued shares in the class to which the listed shares belong (excluding treasury shares)Additional information2 Class of shares Ordinary shares Type of shares Other type(specify in description) Listed on the Exchange (Note 1) NoStock code (if listed) - Description Domestic Unlisted SharesNumber of issued shares (excluding treasury shares) Number of treasury shares Total number of issued sharesBalance at close of preceding month 11,561,445,000 0 11,561,445,000Increase / decrease (-) 0 0Balance at close of the month 11,561,445,000 0 11,561,445,000Page 2 of 10 v 121FF301III Details of Movements in Issued Shares and/or Treasury Shares(A) Share Options (under Share Option Schemes of the Issuer) Not applicablePage 3 of 10 v 121FF301(B) Warrants to Issue Shares of the Issuer Not applicablePage 4 of 10 v 121FF301(C) Convertibles (ie Convertible into Shares of the Issuer) Not applicablePage 5 of 10 v 121FF301(D) Any other Agreements or Arrangements to Issue Shares of the Issuer, including Options (other than Share Option Schemes) Not applicablePage 6 of 10 v 121FF301(E) Other Movements in Issued Shares and/or Treasury Shares Not applicablePage 7 of 10 v 121FF301IV Information about Hong Kong Depositary Receipt (HDR) Not applicablePage 8 of 10 v 121FF301V Confirmations Not applicableSubmitted by: WANG JinhongTitle: Chairman(Director, Secretary or other Duly Authorised Officer)Page 9 of 10 v 121FF301Notes1 The Exchange refers to The Stock Exchange of Hong Kong Limited2 In the case of repurchase of shares (shares repurchased and cancelled) and redemption of shares (shares redeemed and cancelled), "date of event" should be construed as "cancellation date"In the case of repurchase of shares (shares held as treasury shares), "date of event" should be construed as "date on which shares were repurchased and held by the issuer in treasury"3 The information is required in the case of repurchase of shares (shares repurchased for cancellation but not yet cancelled) and redemption of shares (shares redeemed but not yet cancelled) Please state the number of shares repurchased or redeemed during the month or in preceding month(s) but pending cancellation as at close of the month as a negative number4 "Initial Prescribed Threshold”, "Alternative Threshold” and "market value" have the meanings ascribed thereto under Main Board Rule 1332A or 19A28A / GEM Rule 1737A or 2521A See also Main Board Rule 1332D(4) or 19A28D(4) / GEM Rule 1737D(4) or 2521D(4) on the basis of the public float disclosure5 Items (i) to (viii) are suggested forms of confirmation The listed issuer may amend the item(s) that is/are not applicable to meet individual cases Where the issuer has already made the relevant confirmations in a return published under Main Board Rule 1325A / GEM Rule 1727A in relation to the securities issued, or the treasury shares sold or transferred, no further confirmation is required to be made in this return6 “Identical” means in this context:． the securities are of the same nominal value with the same amount called up or paid up;． they are entitled to dividend/interest at the same rate and for the same period, so that at the next ensuing distribution, the dividend/interest payable per unit will amount to exactly the same sum (gross and net); and． they carry the same rights as to unrestricted transfer, attendance and voting at meetings and rank pari passu in all other respectsPage 10 of 10 v 121
ISSUER FOR SECURITIES ON IN
2026-05-07 10:53:18
Announcements & Notices
CLOSURE OF REGISTER OF MEMBERS
Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcementCHINA BOHAI BANK CO, LTD渤海銀行股份有限公司(A joint stock company incorporated in the People’s Republic of China with limited liability)(Stock Code: 9668)CLOSURE OF REGISTER OF MEMBERSThe board of directors (the “Board”) of CHINA BOHAI BANK CO, LTD (the “Bank”) hereby announces that the 2025 annual general meeting of the Bank (the “2025 AGM”) will be held on Wednesday, June 17, 2026 The Bank will publish the relevant notice of the meeting and the circular to shareholders and other corporate communication documents in due courseIn order to determine the shareholders who are entitled to attend the 2025 AGM, the register of members of the Bank will be closed from Thursday, May 28, 2026 to Wednesday, June 17, 2026 (both days inclusive) The record date for determining the shareholders’ eligibility to attend and vote at the 2025 AGM is Wednesday, June 17, 2026 In order to attend and vote at the 2025 AGM, holders of H shares of the Bank whose transfer documents have not been registered shall deposit all transfer documents accompanied by the relevant share certificate(s) at the H share registrar of the Bank, Computershare Hong Kong Investor Services Limited, at Shops 1712-1716, 17th Floor, Hopewell Centre, No 183 Queen’s Road East, Wanchai, Hong Kong for registration not later than 4:30 pm on Wednesday, May 27, 2026By order of the BoardCHINA BOHAI BANK CO, LTDWANG JinhongChairmanTianjin, ChinaApril 29, 2026As of the date of this announcement, the Board of the Bank comprises Mr WANG Jinhong and Mr QU Hongzhi as executive directors; Mr AU Siu Luen, Ms YUAN Wei, Ms CUI Hongqin, Mr HU Aimin and Mr ZHANG Yunji as non-executive directors; and Mr TSE Yat Hong, Mr SHUM Siu Hung Patrick, Ms WANG Aijian, Mr LIU Junmin, Mr LIU Lanbiao and Mr OUYANG Yong as independent non-executive directors
MEMBERS OF CLOSURE REGISTER
2026-04-29 18:37:40
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Announcements & Notices
INSIDE INFORMATION FINANCIAL AND OTHER INFORMATION FOR THE THREE MONTHS ENDED MARCH 31, 2026
Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcementCHINA BOHAI BANK CO, LTD渤海銀行股份有限公司(A joint stock company incorporated in the People’s Republic of China with limited liability)(Stock Code: 9668)INSIDE INFORMATION FINANCIAL AND OTHER INFORMATION FOR THE THREE MONTHS ENDED MARCH 31, 2026This announcement is made by CHINA BOHAI BANK CO, LTD (the “Bank”) pursuant to Rule 1309 of the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited and the Inside Information Provisions (as defined under the Listing Rules) under Part XIVA of the Securities and Futures Ordinance (Chapter 571 of the Laws of Hong Kong)The board of directors of the Bank would like to inform shareholders and potential investors of the Bank of the financial and other information of the Bank and its subsidiary (the “Group”) for the three months ended March 31, 2026I Unaudited financial information of the Group for the three months ended March 31, 2026 prepared under the International Financial Reporting StandardsFor the three months ended March 31, 2026RMB’000Operating income 8,130,960Net profit 3,413,004Other comprehensive income 471,406As at March 31, 2026RMB’000Total assets 2,044,772,257Total liabilities 1,915,660,893Other equity instruments 21,000,0001II Unaudited financial information, capital adequacy ratio and other information of the Group for the three months ended March 31, 2026 prepared under the Chinese Accounting Standards for Business EnterprisesDuring the term of the capital bonds of the Bank, pursuant to the relevant requirements of the National Financial Regulatory Administration and the People’s Bank of China, the Bank shall strictly comply with the Measures for the Administration of the Issuance of Financial Bonds in the National Inter-bank Bond Market and the Information Disclosure Guidelines for Financial Bonds in Inter-bank Bond Market The unaudited financial information, capital adequacy ratio and other information of the Bank for the three months ended March 31, 2026 prepared under the Chinese Accounting Standards for Business Enterprises will be published on the website of China Central Depository & Clearing Co, Ltd (http://wwwchinabondcomcn) and the website of China Foreign Exchange Trade System & National Interbank Funding Center (http://wwwchinamoneycomcn), details of which are as follows:As at March 31, 2026, the Group’s capital adequacy ratio, tier 1 capital adequacy ratio and core tier 1 capital adequacy ratio were 1142%, 1009% and 843%, respectively, which were in compliance with the relevant PRC regulatory requirements Among which, total net capital amounted to RMB144715 billion, net tier 1 capital amounted to RMB127834 billion, net core tier 1 capital amounted to RMB106834 billion, and total risk-weighted assets amounted to RMB1,267052 billionAs at March 31, 2026, the balance of tier 2 capital bonds and non-fixed term capital bonds of the Bank amounted to RMB14 billion and RMB21 billion, respectivelyShareholders and potential investors of the Bank are reminded that the above-mentioned financial information has not been reviewed or audited by the auditors of the Bank Differences may arise between such financial information and the information disclosed in the reviewed report or audited report due to review and audit adjustments Shareholders and potential investors of the Bank are advised to exercise caution and should not rely solely on such information when dealing in the shares of the BankBy order of the BoardCHINA BOHAI BANK CO, LTDWANG JinhongChairmanTianjin, China April 29, 2026As of the date of this announcement, the Board of the Bank comprises Mr WANG Jinhong and Mr QU Hongzhi as executive directors; Mr AU Siu Luen, Ms YUAN Wei, Ms CUI Hongqin, Mr HU Aimin and Mr ZHANG Yunji as non-executive directors; and Mr TSE Yat Hong, Mr SHUM Siu Hung Patrick, Ms WANG Aijian, Mr LIU Junmin, Mr LIU Lanbiao and Mr OUYANG Yong as independent non-executive directors2
THE INFORMATION FOR OTHER THREE
2026-04-29 18:36:48
Financial Reports
2025 ANNUAL REPORT
Annual Report 2025Chairman’s Statement 5Chairman’s StatementIn 2025, China Bohai Bank adhered to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, and fully studied and implemented the spirit of General Secretary Xi Jinping’s important discourses on financial work and his key remarks during his visit to Tianjin Adhering to keeping political consciousness in mind and putting people first in the financial work, with serving the real economy as the fundamental purpose, the Bank intensified and solidified the “five priorities”, and pursued the “Nine-Five-Three-One” development strategy The Bank forged ahead with determination and pursued reform and transformation with steady progress and improved quality in its overall operations Attributable to the enhanced Party building, the path of differentiated development became clearer, the intensive development continued to advance in depth, the risk management and compliance system implemented iterative upgrades, and the technology-empowered foundation was renewed and set in motion The Bank maintained growth in both operating income and net profit with stable outlook for international ratings, thus successfully concluding the 14th Five-Year Plan and laying a solid foundation for the launch of the 15th Five-Year PlanIn 2026, China Bohai Bank is entering a pivotal stage for deepening reform, transformation and development We will implement the decisions and deployments of the Party Central Committee, insist on the Party’s overall leadership, establish and practice a correct view of political achievements, and enhance the in-depth integration of Party building and business The Bank will adhere to a problem-oriented, action-oriented, and value-oriented approach, systematically advance various key tasks for transformation and development, focus on key objectives and build a solid foundation for transformation and development The Bank will deepen the “Nine Major Banks” initiative to showcase distinctive transformation and development, strengthen risk control support to enhance the foundation of transformation and development, solidify fundamental safeguards to elevate the quality of transformation and development, and fully advance the fundamental leap from “experience-driven” to “mechanism-driven” in operational management, ensuring the robust, orderly, and effective implementation of the “Nine-Five-Three-One” strategyDuring the 15th Five-Year Plan period, China Bohai Bank is committed to creating value through exceptional service and becoming a trusted professional bank for our customers We are also dedicated to refining our comparative advantages through our relentless pursuit of excellence with the aim of evolving into a distinctive boutique bank We will focus on achieving intensive development through strengthened governance with the aim of emerging as a value-driven bank committed to high-quality development We will always uphold our original aspiration for high-quality development, maintain our confidence in reform and transformation, strengthen our determination to enhance quality and efficiency, and persevere with dedication to achieve China Bohai Bank’s high-quality developmentWANG JinhongChairmanMarch 26, 2026CHINA BOHAI BANK CO, LTDAnnual Report 20256 President’s StatementPresident’s StatementIn 2025, the senior management of China Bohai Bank adhered to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era Following the directives set by the Party Committee and the Board of Directors of the Bank, we were committed to the general principle of pursuing progress while ensuring stability by promoting stability through progress, upholding fundamental principles while driving innovation, and establishing new practices before phasing out old ones Through systematic integration and synergistic collaboration, our key operational indicators continued to show steady improvement, continuously consolidating our positive growth trajectoryIn 2025, we remained dedicated to our mission, delivering on our commitments by deeply advancing the “five priorities” of finance We continuously strengthened our development foundation, deepened the development of our products and services, iteratively upgraded our business models, and comprehensively reinforced our risk management barriers, thereby achieving new success in serving the real economy The systematic execution of the “Nine-Five-Three-One” strategy facilitated deeper organic growth, which enabled us to strive for an optimal balance across multiple goals and tasks, leading to new breakthroughs in high-quality development As of the end of the Reporting Period, total assets amounted to RMB1,934,410 million, representing a year-on-year increase of 491%, while total liabilities amounted to RMB1,809,183 million, representing a year-on-year increase of 435% Net assets per share attributable to ordinary Shareholders of the Bank were RMB587, representing an increase of RMB029 as compared to the previous year The NPL ratio was 166%, representing a decrease of 01 percentage point as compared to the previous year, reflecting a continuous improvement in asset qualityNone of these achievements would have been possible without the support and assistance of all parties, and above all, the pragmatic and dedicated efforts of every member of our team We extend our gratitude to all sectors of society for their continued care and support for China Bohai Bank, and we thank all our employees for their hard work and unwavering commitmentIn 2026, the senior management of China Bohai Bank will earnestly follow General Secretary Xi Jinping’s important discourses on financial work and the spirit of the Central Economic Work Conference Adhering to the decision and deployment of the CPC Central Committee and the State Council, we will fully comply with the requirements of the Tianjin Committee of the CPC, Tianjin Municipal People’s Government and regulatory authorities Under the leadership of the Party Committee of the Bank, we will foster and apply a correct perspective on political performance, firmly uphold the fundamental purpose of serving the real economy with financial services, and remain anchored in the pursuit of high-quality development We will systematically coordinate our current steady operations with future sustainable development and adhere to refined management and targeted business expansion to optimize our existing portfolio through incremental growth while enhancing quality and efficiency, as well as complete all our annual targets and tasks in all aspects Through determined and practical actions, we will write a new chapter in China Bohai Bank’s journey towards high-quality developmentQU HongzhiPresidentMarch 26, 2026CHINA BOHAI BANK CO, LTD
REPORT ANNUAL
2026-04-29 18:35:56
Corporate Social Responsibility
2025 ESG REPORT OF CHINA BOHAI BANK
2025ESG REPORT OF CHINA BOHAI BANKNotes on ReportingI Reporting ScopeThis report focuses on CHINA BOHAI BANK CO, LTD and covers the Bank’s headquarters, branches and subsidiaries Due to the need for expression, such terms as “China Bohai Bank”, “the Bank” and “we” or “us” are used in this reportThis report is the fi fteenth ESG (Corporate Social Responsibility) Report issued by CHINA BOHAI BANK CO, LTD This report is an annual report covering the period between January 1, 2025 and December 31, 2025The previous report was issued in April 2025II Principles of Preparation(I) As the Bank is an enterprise listed on the Main Board of the Stock Exchange of Hong Kong (stock code: 09668), this report complies with the principles of preparation under the Environmental, Social and Governance Reporting Code of the Stock Exchange of Hong Kong and the Guidelines for Sustainable Information Disclosure by Financial Institutions (Trial) of the People's Bank of China （中國人民銀行《金融機構可持續信息披露指南（試用）》）1 Materiality: The indicators used in this report are highly relevant to key ESG issues This report discloses the ESG materiality assessment efforts through “ESG Issues Identifi cation”, “Materiality Analysis on ESG Issues”, “ESG Communication” and other sections2 Integrity: This report fully discloses the Bank’s ESG performance for the year involved, helping stakeholders understand the necessary information regarding the Bank’s sustainability3 Quantitative: This report adopts a quantitative method for the measurement and disclosure of applicable key performance indicators Details are set out in sections such as “ESG Performance”4 Balance: This report strictly adheres to the principles of objectivity, truthfulness and accuracy of disclosure to avoid errors or omissions that may inappropriately affect the reader Based on the Bank’s actual conditions, this report can effectively refl ect the Bank’s performance in relevant topics and can be collected through the Bank’s existing management system5 Consistency: (I)This report maintains the consistency of statistical methodology and basis of key ESG performance with those of the prior year Footnotes and explanation are made for indicators in which different statistical methodology and basis are applied(II) For various indicators of the Environmental, Social and Governance Reporting Code in relevant sections of this report, please refer to the section headed “Index of the Environmental, Social and Governance Reporting Code of the Stock Exchange”(III) This report also refers to the Corporate Sustainability Disclosure Standards – Basic Standards (Trial) issued by the Ministry of Finance of the People’s Republic of China’s and Corporate Sustainability Disclosure Standard No 1 – Climate (Trial), the International Financial Reporting Standard S2 – Climate-Related Disclosures issued by the International Sustainability Standards Board (ISSB), and the GRI Standards issued by the Global Sustainability Standards Board (GSSB)01III Approval of the ReportThis report has been reviewed and approved by the offi ce meetings of the president and the Board of Directors of the Bank when it is released to the publicIV Data DescriptionUnless otherwise stated, the fi nancial data in this report are derived from the Bank’s 2025 Financial Report, some of which involve data of other years Unless otherwise specifi ed, all currencies involved in this report are RMBThe data on the balance of agriculture – related loans, the balance of inclusive fi nance loans，and the balance of green credit in this report are sourced from the regulatory statements submitted by the Bank to the National Financial Regulatory Administration (NFRA) Given the nature of individual loan projects and the classifi cation requirements for regulatory returns prescribed by the NFRA, certain loan projects may overlap among the outstanding balances of these three loan categoriesV Guarantee MethodTo ensure the authenticity and reliability of this report, an independent third-party firm, Deloitte Touche Tohmatsu Certifi ed Public Accountants LLP, conducted assurance procedures on selected indicators of this report in accordance with the requirements of the International Standard on Assurance Engagements 3000 (Revised): Assurance Engagements Other than Audits or Reviews of Historical Financial Information, and issued a limited assurance conclusion on those selected indicatorsVI Form of PublicationThis report is published in electronic form and can be viewed on the Bank’s offi cial website (http://wwwcbhbcomcn)022025 ESG REPORT OF CHINA BOHAI BANK ContentsNotes on Reporting 01 Strategy and Management 25Contents 03 I ESG Strategy 27Chairman’s Statement 05 II ESG Issue Materiality Analysis 29President’s Statement 07 III ESG Communication 30About China Bohai Bank 09I Introduction to the Bank 10 Environment 33II Organizational Structure 11 I Green Finance Governance 35III Social Recognition 13 II Green Finance Strategy and Management 39ESG Performance 17 III Low-Carbon Operations Management 45I Economic Performance 19 IV Climate and Environmental Risk Management 48II Environmental Performance 19 V Indicators and Targets of Green Finance and Low- 54Carbon OperationsIII Social Performance 2103Contents 2025 ESG REPORT OF CHINA BOHAI BANKSociety 55 Appendix 139I Deepening Connotative Development 57and Effectively Pursuing the “Five Independent Limited Assurance Report 139Priorities” List of Important Systems for ESG-related 144II Serving National Strategies and 75 Issues Supporting Regional Economic Development Index of the Environmental, Social and 147Governance Reporting Code of the Stock III Embracing Digital Transformation and 92 ExchangeEnhancing the Quality and Effi ciency of Financial Services Index of the International Financial 155Reporting Standard S2 – Climate-Related IV Upholding the Philosophy of Serving 104 Disclosuresthe People and Effectively Protecting Consumer Rights and Interests GRI Content Index 164V Building a Talent Factory and Fulfi lling 111 Reader’s Feedback 169Comprehensive Employee ResponsibilitiesVI Advancing Digital Empowerment and 116Continuously Deepening Procurement Practices VII Safeguarding People’s Livelihood and 118Actively Engaging in Public Welfare and CharityGovernance 125I Strengthening Scientifi c Decision-making 127to Enhance Corporate Governance CapabilitiesIIRobust Governance Framework: 130Advancing ESG ManagementIII Comprehensive Risk Management and 134Control: Consolidating the Foundation for High-quality DevelopmentIV Prioritising Compliance and Operating 136Lawfully, with Integrity and Prudence04Chairman’s Statement“Adhering to high-quality development” is a fundamental principle that must be followed during the 15th Five-Year Plan period for economic and social development Guided by Xi Jinping Thought on Ecological Civilization, China has been continuously improving its macro-level policies, regulatory rules and disclosure requirements for sustainable development to promote economic, social and environmental sustainability In 2025, the Ministry of Finance officially issued Corporate Sustainable Disclosure Standard No1-Climate following the release of Basic Principles for Corporate Sustainable Disclosure; the People's Bank of China formulated the Guidelines for Sustainable Information Disclosure by Financial Institutions, setting higher requirements for the sustainable development of enterprises and fi nancial institutions, pointing out the way forward, and providing important guidance China Bohai Bank remains committed to its original aspiration of high-quality development, and deepens its efforts in ESG governance and practices, writing a new chapter of high-quality development with a sense of responsibility Deepening connotation-driven development and promoting distinctive transformation The year of 2025 marks a signifi cant milestone in China Bohai Bank’s 20-year journey of dedicated progress, and serves as a new starting point for comprehensively advancing high-quality development We remain committed to a dual-engine approach of connotation-driven development and distinctive transformation Guided by the political-based and people-centered principles of fi nancial work, we steadfastly pursue the path of fi nance with Chinese characteristics We deepen efforts to implement the “Nine-Five-Three-One” strategy, solidly advance the transformation of the “Nine Major Banks”, the construction of the “Five Factories” and the reform of the “Three Systems,” and fully undertake the “key tasks” of serving national strategies and Tianjin's development by building a methodological system encompassing branch “basic laws,” industry-focused banking and fintech, in a way that achieves significant growth in distinctive sectors such as supply chain, investment banking and cross-border fi nance We have consecutively received "dual investment-grade" ratings from S&P and Moody'sUpholding our primary responsibilities and principal operations with a focus on fi ve priorities We are committed to our primary responsibilities and principal operations by proactively taking on our duties to make solid strides in advancing the “fi ve priorities” of fi nancial services We strengthen fi ntech by enriching our “Tech Series” product portfolio to inject financial momentum into innovation-driven development With the goal of “striving to become a fi rst-class comprehensive green fi nance services provider”, we enhance green fi nance governance and integrate climate-related environmental risks into our comprehensive risk management framework, steadily moving forward to expand and improve green initiatives We innovate development models for inclusive finance by focusing on ecosystem-based scenarios and digital transformation to broaden coverage and deliver tangible benefi ts We establish a structured model for pension finance, continuously expanding our pension product offerings and providing fund management, investment, and fi nancing services across sectors such as health industries and elderly care services We drive digital transformation by building a robust digital infrastructure, accumulating strong momentum for high-quality development We establish a systematic elderly care financial service model by continuously expanding our pension product offerings and providing fund management, investment and fi nancing services across sectors such as health industry and elderly care services We drive digital transformation by building a digital system foundation, accumulating strong momentum for high-quality development05Acting on the original aspiration of fi nance to serve new regional development We keep fi rmly in mind the original aspiration and mission of contributing to the nation through fi nance, and deepen our efforts to serve major national strategies for regional development We provide strong support for the implementation of major initiatives such as the coordinated development of the Beijing-Tianjin-Hebei region, the integration of the Yangtze River Delta, the development of the Guangdong-Hong Kong-Macao Greater Bay Area, and the construction of the Hainan Free Trade Port As a locally incorporated fi nancial institution, we remain committed to our responsibilities by optimizing the allocation of fi nancial resources We pursue quality and long-term value to empower the “Three Upgrades”, and foster originality through innovation and quality enhancement In doing so, we align our efforts with the high-quality economic and social development of Tianjin in serving the overall situation, achieving mutual reinforcement and shared progressOptimizing the service ecosystem and focusing on public concerns to benefit people's livelihoods We adhere to a customer-centric approach, deeply explore the value of the customer ecosystem, and strengthen our product and service advantages, to continuously improve the convenience and accessibility of fi nancial services By closely aligning with corporate needs and public concerns, we reinforce, we strengthen innovation-driven development, optimize the service ecosystem, and dynamically iterate and update our product matrix through launching independently innovative products such as “CBHB Treasury (渤銀司庫 )” , and further deepening our “supply chain fi nance” service system We build a consumer scenario fi nancial ecosystem to channel fi nancial resources to support public consumption; and vigorously promote the third-generation social security card to support the high-quality development of a diversifi ed public service system “CBHB Wealth Management” ranks among the top in the industry in terms of investment capabilities, and its brand infl uence is steadily increasing We have released a series of thematic bond indices on new productivity and technological innovation, gaining increasing market recognition and professional infl uenceStrengthening governance capabilities to support high-quality development We consistently prioritize risk prevention and control, so as to build a robust risk control and compliance defense line We continuously work to enhance our comprehensive risk management, compliance management and audit supervision systems to solidify a safety barrier for high-quality development We further improve our corporate governance system and information disclosure mechanisms, increase the effectiveness of the Board of Directors' performance, strengthen its ESG management capabilities, and refi ne ESG management and strategic planning We deepen education on ethical conduct and the fight against corruption, advancing the comprehensive and strict governance of the Party with rigorous tones, measures and atmosphere, safeguarding high-quality development through effi cient governanceEmbarking on the new journey of the 15th Five-Year Plan period, China Bohai Bank will continue to follow the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, and fully implement the spirit of the Fourth Plenary Session of the 20th CPC Central Committee, to inject new vitality into the comprehensive, coordinated and sustainable development of the economy and society, thus contributing to accelerating the construction of a strong fi nancial countryWANG JinhongSecretary of the Party Committee and Chairman of CHINA BOHAI BANK CO, LTDMarch 202606President’s StatementIn 2025, we fully implemented the spirit of the 20th CPC National Congress and all plenary sessions of the 20th Central Committee, thoroughly studied and implemented General Secretary Xi Jinping's series of important expositions on financial work and his important speech during his inspection of Tianjin We adhered to the principles of pursuing progress while ensuring stability, promoting stability through progress, upholding fundamental principles and breaking new ground and establishing the new before abolishing the old Through systematic implementation of the “Nine-Five-Three-One” strategy, we achieved new results and made new breakthroughs in advancing sustainable developmentDeepening efforts to solidify the “five priorities” of finance We expanded service channels, strengthened credit issuance, and made strategic moves in the “technology board” of the bond market, establishing distinctive strengths in technology finance We focused on key industries, broadened fi nancing channels, and improved the quality and quantity of green fi nance We developed inclusive supply chain fi nance and promoted the digitalization of inclusive fi nance products, reinforcing the growth trajectory of inclusive fi nance We advanced the development of the “three-pillar” accounts, and enriched our pension product offerings to systematically deepen our presence in pension finance Under the “digital and intelligent” guidance, we consolidated our digital foundation, drove deep integration between business and digitalization, which enabled us to achieve notable results in digital fi nance In 2025, the Bank became one of the fi rst ten corporate banks to issue technology innovation bonds The balance of loans to technology-based enterprises grew by 543%; the balance of green loans increased by 3677%; and the growth rate of the balance of inclusive loans outpaced that of the Bank’s general loans, with the balance of loans to agriculture, forestry, animal husbandry, and fi sheries rising by 413% We issued the fi rst batch of pension-themed bonds in the market Successfully put into operation the new-generation distributed core banking system, Phase I of the loan center under the counter channel system, the main project of the new-generation treasury business management system, and the core functions of the data lake systemDelivering tangible results in serving the overall development With a strong sense of commitment to the nation’s priorities, we closely aligned with national strategies for regional coordinated development Focusing on core regions rich in new quality productive forces, such as the Beijing-Tianjin-Hebei region, the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater Bay Area, we focused on regional landmark industrial clusters and provided fi nancial services through a "head offi ce coordination + regional collaboration" model We collaborated with regional science and technology innovation parks to promote deep integration of “favorable policies + fi nancial support + industrial resources”, and conducted in-depth research and development in areas such as the digital economy, green and low-carbon initiatives and biomedicine, providing robust fi nancial momentum for high-quality development In 2025, the fi nancing balance supporting the coordinated development of the Beijing-Tianjin-Hebei region grew by 258% We also launched a joint quote basket for science and technology innovation bonds issued by enterprises in the Beijing-Tianjin-Hebei region, which was the fi rst of its kind nationwide and the fi rst basket for science and technology innovation bonds in the Beijing-Tianjin-Hebei regionImproving quality and effi ciency to promote connotation-driven development We deeply practice the fi nancial culture with Chinese characteristics, fi rmly uphold the people-centered value orientation, and remain committed to the path of connotation-driven development Financial innovation gathered momentum and began to yield transformative results, resulting in a double improvement in the quality 07and effi ciency of fi nancial services The Bank’s supply chain model has gained momentum and scaled up, serving over 1,500 inclusive finance clients Treasury services broke new ground and provided strong support, winning the “Sinan Award - Outstanding Bank in Corporate Treasury Development in China (司南獎 -中國司庫建設優秀銀行 )” and the “Treasury Award - Innovation Excellence in Treasury Services (財資獎 - 最佳司庫服務創新銀行 )” The “account-oriented bank” initiative progressed steadily, the “wealth management bank” improved both quality and efficiency, and the “ecosystem-based bank” accelerated its development, bringing high-quality digital fi nancial services to thousands of enterprises and households At the same time, we further strengthened the institutional framework for “Big Consumer Protection (大消保 )”, continued to consolidate its management system for consumer rights protection We inaugurated a distinctive “Fengqiao Experience Offi ce”, demonstrating our sense of responsibility in serving the public through fi nanceStrengthening governance and reinforcing risk control barriers We established a risk appetite governance mechanism characterized by “four-dimensional integration, vertical connectivity and horizontal coordination”, and formulated over 20 foundational risk management policies, including ESG risk management We actively refined risk management processes, upgraded the risk management system, expanded the application of risk management models, and placed particular emphasis on strengthening operational risk management These efforts resulted in sustained optimization of the credit structure and effective asset quality control We continued to reinforce the foundation of compliance, steadily advanced law-based corporate governance, and deepened the integration of the rule of law with business management We have woven a tight “protective net” for anti-money laundering and precise governance of the funding chain of telecommunications and online fraud to maintain fi nancial order and protect the people’s “wallets” With unwavering resolve, we promoted integrity and enforced discipline, and integrated the construction of the “Three Non-Corruptions” mechanism with serving the real economy and preventing and resolving fi nancial risks, thereby safeguarding sustainable developmentRemembering our roots and practicing philanthropy through finance The year 2025 marked the 20th anniversary of China Bohai Bank Throughout our journey, we have drawn nourishment from the great process of economic and social development, while remaining dedicated to giving back to society and continuously injecting positive and benevolent energy into society and people's livelihoods In 2025, the Bank’s total charitable donations amounted to RMB1475 million Its employee volunteer teams actively participated in serving the Shanghai Cooperation Organization Summit and received commendations from the Tianjin Municipal Committee of the Communist Party of China and the Tianjin Municipal People’s GovernmentAs the 15th Five-Year Plan period begins, China Bohai Bank embarks on a new phase of development We will fully, accurately apply the new development philosophy in an all-round way, adhere to the general principle of pursuing progress while ensuring stability, enhance quality through innovation in serving the real economy, and accelerate the development of new quality productive forces, striving to become a “value bank” with high-quality developmentQU HongzhiDeputy Secretary of the Party Committee and President of CHINA BOHAI BANK CO, LTDMarch 2026082025 ESG REPORT OF CHINA BOHAI BANK About China Bohai BankAbout China Bohai Bank09About China Bohai Bank 2025 ESG REPORT OF CHINA BOHAI BANKIntroduction to the BankChina Bohai Bank Co, Ltd (“China Bohai Bank”) is the only newly established national joint-stock commercial bank since the amendment to the PRC Commercial Banking Law in 2003, and the first national joint-stock commercial bank to introduce a foreign strategic investor at the stage of promotion and establishment since 2000, and the first national joint stock commercial bank headquartered in TianjinChina Bohai Bank was promoted and established by seven shareholders, namely TEDA Investment Holding Co, Ltd (now known as TEDA Investment Holding (Group) Co, Ltd), Standard Chartered Bank (Hong Kong) Limited, China Ocean Shipping (Group) Company (currently known as China COSCO Shipping Corporation Limited), State Development & Investment Corporation (currently known as State Development & Investment Corp, Ltd), Baosteel Group Corporation (currently known as China Baowu Steel Group Corporation Limited), Tianjin Trust and Investment Company Limited (currently known as Tianjin Trust Co, Ltd) and Tianjin Shanghui Investment Holding Company Limited It was established on December 30, 2005 and officially opened for business in February 2006 It was listed on the Main Board of the Hong Kong Stock Exchange on July 16, 2020China Bohai Bank steadfastly pursues the path of financial development with Chinese characteristics, and continuously upholds the political-based and people-centered principles of financial work It firmly establishes a correct perspective on performance, operations and risk management, deeply integrating the service of the real economy and the prevention and mitigation of financial risks into its development strategy and business practices Guided by a spirit of reform, the Bank strengthens its primary responsibilities and principal operations, systematically advances the implementation of the “Nine-Five-Three-One” strategy, reinforces tactical execution through the “Ten Projects” and the “Six Types of Teams” initiatives, and innovatively introduces “Basic Laws” for branches and industry-specific methodologies These efforts have yielded new achievements in high-quality development, contributing solid financial support to the sustained and healthy development of the economy and society By the end of 2025, the total assets reached RMB193 trillion The Bank has established 34 tier-one branches(including three directly managed branches in Suzhou, Qingdao and Ningbo, and one overseas branch), 35 tier-two branches, 292 sub-branches, and 16 small and micro community sub-branches in 65 key cities across China and the Hong Kong Special Administrative Region The total number of officially opened outlets reached 377 In addition, the Bank has established one special institution capital operation center, and one tier-one subsidiary, namely CBHB Wealth Management Co, Ltd ( 渤銀理財有限責任公司 )In 2025, China Bohai Bank won numerous awards in banking-related awards selections sponsored by authoritative media, including the “2025 Gamma Award for Technological Innovation”, “Leading Green Financial Institution of the Year”, “Outstanding Bank in Corporate Treasury Development in China”, “2025 Leading Cross-Border Finance Bank”, “Outstanding Wealth Management Bank”, and “Outstanding Mobile Banking Excellence Experience Award”, and other honors As of the end of 2025, international rating agencies, such as S&P and Moody’s, maintained their “investment-grade” ratings and “stable” rating outlooks for the Bank, demonstrating the market’s long-term and sustained optimism about the business development of China Bohai Bank102025 ESG REPORT OF CHINA BOHAI BANK About China Bohai BankOrganizational Structure11About China Bohai Bank 2025 ESG REPORT OF CHINA BOHAI BANK122025 ESG REPORT OF CHINA BOHAI BANK About China Bohai BankSocial RecognitionIn the 2025 Wind Best Investment Bank Awards, the Bank received the Rapid Progress Award for Bank Bond Underwriting and the Rapid Progress Award for Best Debt Financing Instrument UnderwriterThe Bank was honored with three awards from the Beijing Financial Assets Exchange: the Most Market-Leading Institution, the Most Market-Uniting Institution, and the Most Market-Breakthrough InstitutionThe Bank won the Best Supply Chain Finance Product Innovation Award at the 10th China Supply Chain Finance Industry Benchmark Award 2025 organized by Trade Finance magazine, the Organizing Committee of the China Supply Chain Finance Annual Conference and the China Industrial Digital Finance 50 Forum Additionally, it was honored with the Best Trade Finance Product Innovation Bank Award at the 10th China Transaction Banking Annual Conference 2025 and the 15th “Jinmao Award” for the Most Trusted Financial Service Provider by Chinese Economic and Trade Enterprises, co-hosted by Trade Finance magazine and the China Transaction Banking 50 ForumThe Bank won the Best Service Innovation Award in the 2025 Treasury Awards organized by Treasury China (Treasury Online) and Treasury Data TechnologyThe Bank was awarded the Outstanding Bank in China's Treasury Construction award in the 2025 China Treasury Construction Benchmark Enterprise Awards "Sinan Award" organized by the Organizing Committee of the China Treasury Annual ConferenceThe Bank received the China Banking Innovation Development Excellent Case Award at the 2025 China Banking Innovation Development Excellent Case Selection organized by the editorial department of Tsinghua Financial Review at the Tsinghua University PBC School of FinanceThe Bank was recognized as an “Outstanding Member in RMB Foreign Exchange Swaps and Forwards” in the 2024 Interbank Foreign Exchange Market Member Market-Making and Trading Performance Evaluation conducted by the China Foreign Exchange Trade System13About China Bohai Bank 2025 ESG REPORT OF CHINA BOHAI BANKThe Bank was honored by the China Foreign Exchange Trade System with the “Active Repo Trader” and “X-Repo Active Institution” awards, as well as the “Bond Curve Strategy Star,” “X-Lending Star,” and “X-Lending Active Institution” awardsThe Bank received the “Excellent Underwriter” award for financial bonds from China Development Bank in 2025, the “Core Underwriter” and “Green Development Concept Leading Institution” awards for financial bonds from The Export-Import Bank of China in 2025, and the “Green Finance Leader” and “Agriculture, Rural Areas, and Farmers Practice Pioneer” awards from Agricultural Development Bank of China in 2025The Bank was recognized as an “Innovation-Leading Pioneer Institution” for 2025 by ChinaBond Pricing CenterThe "China Bohai Bank Tianjin Port-Industry-City Integrated Development Bond Index Basket” was awarded the title of “Active Basket”; the “Bohai Bank Tianjin Green Local Government Bond Basket” was awarded the title of “Bond Basket Quotation Star”In the 2024 RBA 8th Annual Retail Banking Awards organized by Retail Banking Magazine, the Bank won the “Citizen Finance Award” under the “Head Office Featured Business Award”In the fifth “Golden Reputation Award” selection held by Puhui Standard, the Bank was honored with two awards: “Outstanding Wealth Management Bank” and “Outstanding Private Bank”At the “2025 Retail Bank · Jiefu Awards” organized by Caishi China, the Bank received the “Retail Bank in Wealth Management Award”The Bank received the 2025 Mobile Banking Channel Collaboration Pioneer Award presented by China Financial Certification Authority Co, LtdIn the “2025 Jinshi Award and Outstanding Financial Consumer Protection Cases” selection organized by Sina 142025 ESG REPORT OF CHINA BOHAI BANK About China Bohai BankFinance, the Bank was recognized for its “Outstanding Banking Consumer Protection Case”In the “Outstanding Brand Communication Cases in the Banking Industry” collection organized by Financial News, the Bank received the “Outstanding Brand Communication Case in Corporate Culture” awardIn the “2025 Digital Finance Practice Benchmark Cases in the Banking Industry” collection organized by China Banking and Insurance News, the Bank was selected for the “Digital Risk Control and Risk Prevention Practice Cases”In the “2025 China Banking Tianji Awards” selection organized by Securities Times, the Bank was honored with the “2025 Technology Innovation Bank Tianji Award”In the selection of the “21st Century Financial Competitiveness Outstanding Cases” organized by 21st Century Business Herald, the Bank was recognized as the “Annual Leading Green Financial Institution”At the “Finance China 2025 Annual Conference and the 23rd Financial Fortune Summit · Banking Summit” organized by Hexuncom, the Bank was recognized as the “2025 Leading Cross-Border Finance Bank”In the selection of the “19th Annual China Times Institutional Investor Conference Annual Benchmark Cases” organized by China Times, the Bank was included as a “2025 Benchmark Case in Smart Pension Finance”At the 14th “Golden Wisdom Award” ceremony in the financial industry, the Bank received the “Outstanding Rural Revitalization Service Benchmark Award (CBHB Agricultural Loan)” and the “Outstanding Mobile Banking Excellence Experience Award”The Bank received the “Tianjin Charity Association Tianjin Charity 30th Anniversary Outstanding Contribution Award” and the “Silver Award at the Second Tianjin Volunteer Service Project Competition”The Bank’s subsidiary, CBHB Wealth Management, received several awards, including the “Golden Pisces Award” for Market Potential Financial Product 2024 from Each Finance Media and Financial Management magazine; the “Golden Toad Award” for Annual Outstanding Manager, Digital Technology Innovation Award and Wealth 15About China Bohai Bank 2025 ESG REPORT OF CHINA BOHAI BANKManagement Surprise Award from Lianhezhiping; the “Jiefu Award” for Outstanding Growth Capability in Bank Wealth Management Subsidiaries from wwwcaishivcom; the “Jinyu Award” for Outstanding Investment Return Wealth Management Company and Outstanding Fixed-Income Bank Wealth Management Product from Pystandard; the “Golden Hazel Award” for Best Fixed-Income Return from wwwclscom; the “Wind AMC 88” Service Innovation Award from Wind; the “Shanghai Securities News Eagle · Gold Wealth Management” 2025 Fixed-Income Product Award from Shanghai Securities News; and the 2025 “Golden Bull Award” Wealth Management Product Award in terms of Fixed-Income from China Securities Journal16ESG Performance2025 ESG REPORT OF CHINA BOHAI BANK ESG PerformanceI Economic PerformanceIndicator Unit 2024 2025Total assets RMB’0,000 184,384,2128 193,440,9532Operating income RMB’0,000 2,548,1589 2,596,9603Net profi t RMB’0,000 525,5815 549,8206Return on total assets % 029 029Return on net assets % 444 520Non-performing loan ratio % 176 166Capital adequacy ratio % 1163 1248Allowance coverage ratio % 15519 16216II Environmental Performance(I) EmissionsIndicator Unit 2024 2025Total Scope 1（Direct）Greenhouse Gas 10,000 tonnes of emissions of the Head Offi ce CO2 equivalent 019 017Total Scope 2（Indirect）Greenhouse 10,000 tonnes of Gas emissions of the Head Offi ce CO2 equivalent 307 303Total Scope 3（Indirect）Greenhouse 10,000 tonnes of Gas emissions of the Head Offi ce CO2 equivalent - 0048Scope1（Direct）Greenhouse Gas tonnes of CO2 emission intensity of the Head Offi ce equivalent /m2 0010 0009Scope2（Indirect）Greenhouse Gas tonnes of CO2 emission intensity of the Head Offi ce equivalent /m2 0163 0161Scope3（Indirect）Greenhouse Gas tonnes of CO2 emission intensity of the Head Offi ce equivalent /m2 - 000319ESG Performance 2025 ESG REPORT OF CHINA BOHAI BANKPer capita Scope 1（Direct）Greenhouse tonnes of CO2 Gas emission intensity of the Head Offi ce equivalent /person 052 047Per capita Scope 2（Indirect）Greenhouse tonnes of CO2 Gas emission intensity of the Head Offi ce equivalent /person 845 833Per capita Scope 3（Indirect）Greenhouse tonnes of CO2 - 0134Gas emission intensity of the Head Offi ce equivalent /personTotal hazardous waste of the Head Offi ce tonnes 0 0Total non-hazardous waste of the Head tonnes Offi ce 1,460 1,410Notes: 1The boundary for greenhouse emissions accounting covers the Bank's Head Offi ce, including the Head Offi ce Building and the data center2 Scope 3 greenhouse emissions are calculated only for items related to the offi ce operations of the Head Offi ce Building and the data center, including materials, supplies, IT equipment, tools, business travel, and employee commuting3The “Electricity Emission Factor” is taken from the “2023 National Power Carbon Dioxide Emission Factor Data（ Tianjin 06796 kgCO2/kWh）” jointly released by the Ministry of Ecology and Environment and the National Bureau of Statistics on December 31, 20254Gas emissions are calculated in accordance with the Tianjin Standard for Building Carbon Emission Calculation issued by the Tianjin Municipal Commission of Housing and Urban-Rural Development on September 10, 2024(II) Use of ResourcesIndicator Unit 2024 2025Total power consumption of the Head Offi ce kWh 21,437,093 20,543,745Total power consumption of the Data Center kWh 22,141,060 23,983,732Total gas consumption of the Head m3 864,746 775,618Offi ceTotal water consumption of the Head Tonne 87,204 87,663Offi ceTotal fuel consumption of offi cial vehicles Liter 12,053 10,865of the Head Offi ce202025 ESG REPORT OF CHINA BOHAI BANK ESG PerformanceIndicator Unit 2024 2025Paper usage for various promotion materials,cards and envelopes, single- ’0,000 pieces 654 1598sheet papersPercentage of credit card customers % 100 100using e-statementsPaper saved from e-statement ’0,000 pieces 81777 74545Note: Paper consumption is calculated based on standard A4 paper equivalent(III) Sewage and WasteThe sewage generated by the Bank in the course of business operation and office operation is discharged into the municipal sewage pipeline network in accordance with relevant laws and regulations Domestic garbage is transported by the local environmental health team for treatment on daily basis The garbage rooms are sanitized on a regular basis Comprehensive cleaning is conducted once a week, while sewage is cleaned once a month Other wastes are gathered and transported in a “harmless” manner There have been no instances of non-compliant discharge(IV) Green Products and ServicesIndicator Unit 2024 2025Balance of green loans RMB 100 million 48530 59335Percentage of business handled via % 9671 9700electronic channels(V) Environmental ComplianceIn 2025, the Bank had no environmental protection violations, was not subject to legal proceedings or administrative penalties in this regard, and did not receive any environmental complaintsIII Social Performance(I) Employment and Labor PracticesThe Bank operates under a comprehensive labor contract system, requiring all contract-based employees to enter into a formal labor contract with the Bank in accordance with the law The Bank fully respects and effectively safeguards the 21ESG Performance 2025 ESG REPORT OF CHINA BOHAI BANKlegitimate rights and interests of its employees Employees are entitled to various types of leave prescribed by the state, as well as basic social insurance coverage, including basic pension insurance, basic medical insurance, unemployment insurance, work-related injury insurance and maternity insurance, housing provident fund, heatstroke prevention and cooling, heating subsidies (excluding regions where winter heating is not required) and other state-mandated benefitsThe Bank’s remuneration system, oriented by development strategy, is consistent with the operation management requirements of modern commercial banks, coordinated with the interests of Shareholders, the Bank and employees, and aligned with the Bank’s current development requirements The Bank’s total payroll is closely linked to operational performance indicators, with adjustments to the increase rate made in reasonable alignment with market benchmarks such as labor productivity levels Remuneration management follows the principles of strategy orientation, classification management, value orientation, performance orientation and total amount control By benchmarking the remuneration levels of peers in the market, the Bank implements differentiated remuneration management for employees at different levels, thus bringing positive remuneration management in attracting, retaining and motivating talents The Bank’s remuneration is not affected by any gender factor Both male and female employees are paid according to their positions and dutiesIndicator Unit 2024 2025Total number of employees Person 13,824 14,170Number of female employees Person 7,413 7,588Number of male employees Person 6,411 6,582Number of employees under 30 years old Person 3,084 3,009Number of employees aged 31-50 Person 9,809 10,134Number of employees over 50 years old Person 931 1,027Number of new employees Person 765 972Number of employees from Chinese Mainland Person 13,760 14,101Number of employees from Hong Kong Person 64 69Employee turnover rate % 535 403Turnover rate of male employees % 283 213Turnover rate of female employees % 252 190Turnover rate of employees under 30 years old % 194 133Turnover rate of employees aged 31-50 % 329 257Turnover rate of employees over 50 years old % 012 013222025 ESG REPORT OF CHINA BOHAI BANK ESG Performance(II) Development and TrainingIndicator Unit 2024 2025Number of employee training sessions Session 3,987 4,067Number of employees training attendances Person 1,114,930 1,253,527Number of employees learning online Person 14,784 14,889Average length of training and learning for employees Hour 2157 2428Proportion of middle-level management participating in % 100 100trainingProportion of frontline employees participating in training % 100 100Average length of training for middle-level management Hour 401 3513Average length of training for frontline employees Hour 2776 2406(III) Diversifi cation and Equal OpportunitiesIndicator Unit Male FemaleGender ratio of employees % 4645 5355Gender ratio of middle and senior management % 8217 1783Indicator Unit 2024 2025Number of ethnic minority employees Person 626 638 (IV) Supply Chain ManagementIndicator Unit 2024 2025Number of suppliers in Chinese Mainland Supplier 641 652Number of overseas suppliers Supplier 15 15Total number of centralized procurement projects Project 975 44523ESG Performance 2025 ESG REPORT OF CHINA BOHAI BANKBudget amount involved in centralized procurement RMB’0,000 61,60700 44,33612Average project cycle of centralized procurement Day 29 24Coverage ratio of centralized procurement catalog project performance management % 100 100Coverage ratio of supplier review % 100 100 (V) Product ResponsibilityIndicator Unit 2024 2025Overall customer satisfaction % 9933 9908Manual service volume of remote banking 10,000 persons 10574 1020010,000 persons Online channel chat-bot service volume 66141 71300person-timesNumber of customer complaints received Case 22,593 24,957Number of performances being praised and recognized by customers Time 233 351Indicator Unit 2024 2025Number of domestic and overseas branches Branch 376 377Number of self-service banking outlets Outlet 374 377Number of self-service devices Set 1,254 1,229(VI) CharityIndicator Unit 2024 2025Charity donation RMB’0,000 1,32743 1,4750024Strategy and ManagementAdhering to the mission as a state-owned fi nancial enterprise, the Bank cultivates a fi nancial culture with Chinese characteristics, and strives to build a responsible, professional and refi ned China Bohai Bank The Bank is deeply committed to implementing the "Nine-Five-Three-One" strategy, renews its ESG philosophy, continues to strengthen its ESG governance efforts, and works with stakeholders to pioneer high-quality development2025 ESG REPORT OF CHINA BOHAI BANK Strategy and ManagementI ESG StrategyHonest and trustworthy, never overstepping boundariesUpholding our business philosophy of integrity and credibility, we abide by market rules and professional ethics, value our reputation, and strengthen the credit foundation for the high-quality development of the Bank By improving supervision and restraint mechanisms for authority distribution and operation, we reinforce the respect for discipline and rules of management personnel at all levels while enhancing awareness of integrity and responsibility among employees Furthermore, we facilitate the development of a credit system, and are committed to providing truthful information to consumers, while objectively disclosing information, protecting customer information, faithfully fulfilling contractual obligations, and never crossing ethical boundariesPursuing profi t through righteousness, not profi t-seeking aloneKeeping in mind the national priorities and actively putting ESG concepts in to practice, we properly manage the relationship between righteousness and profit, strengthen financial support for key areas and weak links, and earnestly fulfill the “five priorities” of finance to foster the development of new quality productive forces Adhering to finance for the people, we are building a “Big Consumer Protection (大消保 )” framework with the goal of creating value for society and empowering a better life for the people, which integrates consumer rights protection into corporate governance, corporate culture development and business strategies, and in turn ensuring finance serves, benefits and enriches the peopleSteady management, avoiding quick-success mentalityAdhering to prudent operations, we uphold sound business approaches, performance perspectives and risk awareness, and consistently regard risk prevention and control as an eternal priority Our business expansion is strictly bounded by our risk management capabilities We are committed to embedding bank-wide risk awareness, comprehensive risk management and end-to-end risk oversight into every employee’s mindset and every operational processMaintaining integrity while innovating, staying grounded in real economyWe diligently execute the "five priorities" of finance to promote mutual advancement between serving the broader socio-economic landscape and the Bank’s own development Staying true to our primary responsibilities and principal operations, we promote financial innovation along the tracks of market orientation 27Strategy and Management 2025 ESG REPORT OF CHINA BOHAI BANKand rule of law We maintain integrity while innovating to improve the quality and efficiency of our services We implement the important requirements of the “Four Excellences” with a focus on key sectors to serve technological innovation and industrial transformation, thereby enhancing the adaptability, precision and effectiveness of financial services for the real economyLawful and compliant operations, zero tolerance for misconductWe strengthen the construction of the rule of law, continue to improve our corporate governance capabilities, conscientiously operate within the scope of regulatory permissions in accordance with the law, and promote the standardization of internal corporate governance through rule-of-law thinking We firmly establish compliance awareness and continue to optimize internal control and compliance management mechanisms, so as to embed the concepts of compliance by all, compliance throughout the process, proactive compliance and compliance creating value into the hearts and actions of all staff We also strengthen institutional development by clearly delineating red lines and bottom lines, and sharpening the tool of accountability We persist in “turning the blade inward” self-examination and courageously “wield the sword” of accountability to deepen warning education and reinforce deterrent effectsGreen development, contributing fi nancial strengthWe will fully, accurately implement the new development concepts of innovation, coordination, green, openness and sharing in an all-round way, comprehensively promote the construction of a green financial system, continuously promote the adjustment of the credit structure, and scientifically manage climate and environmental-related risks, so as to contribute our financial strength to achieving the strategic goals of high-quality development and fostering the development of new quality productive forces Building the Bank through talents, enhancing professional competenciesAdhering to the Party’s leadership in personnel management, we follow the path of organization of the Party for the new era, and uphold the principle of selecting talents with both integrity and ability while prioritizing virtue We are forging a contingent of loyal, honest and responsible talents, strengthening personnel training and echelon development, continuously optimizing career growth pathways and team structure, and comprehensively enhancing workforce quality282025 ESG REPORT OF CHINA BOHAI BANK Strategy and ManagementII ESG Issue Materiality AnalysisThrough the identification, assessment and screening of sustainability issues, the Bank identifies substantive issues that are material to us and stakeholders, which are then disclosed and addressed in the annual Sustainability ReportSubstantive AnalysisIdentifi cation Assessment ReportThe Bank deeply comprehends policy requirements, The Bank assesses I ssues o f h igh directives and opportunities by analyzing High-quality the materiality of the mater ia l i ty are development contexts and ESG issues, benchmarking identified sustainability disclosed in the against domestic excellent joint-stock commercial issues annual ESG report banks and keeping abreast of domestic and or as the focus of international sustainability trends The priority ranking of disclosurethe issues is generated On the basis of the above, the Bank identifies the based on the materiality sustainability issues which are material to the Bank and assessmentkey stakeholdersOperation in compliance with lawsCorporate governance Operating results and investment valueRisk management Developing digital fi nanceEmployee training and career Advance technology-driven fi nancial serviesdevelopment Develop elderly care-oriented fi nancial solutionsEmployee safety and health Developing inclusive fi nanceDeveloping green fi nanceProtection of customer rights and interestsHonest operationsEducation of fi nancial knowledgeIndustry cooperationSocial welfare initiativesGreen operationsMateriality to stakeholders29Materiality to China Bohai BankStrategy and Management 2025 ESG REPORT OF CHINA BOHAI BANKIII ESG CommunicationEnvironment (E)Stakeholders Expectations and Communication Requirements Channels Responsibility ResponseEnvironment Suppo r t g reen I m p l e m e n t a t i o n The Bank implemented green finance strategies, and environmental o f g reen f i nanc ia l enhanced climate and environmental risk management, protection policies and regulatory and comprehensively facilitated the construction of a requirements green finance systemD i s c l o s u r e o f The Bank strictly controlled energy consumption and e n v i r o n m e n t a l adhered to green operationsperformance and key indicators The Bank promoted green procurement to facilitate green development in supply chainThe Bank disclosed key performance and indicator data of climate and environment related matters in accordance with the principles of truthfulness, accuracy and timelinessSocial (S)Stakeholders Expectations and Communication Requirements Channels Responsibility ResponseGovernment Accomplish the C o n s i s t e n t The Bank resolutely took the road of financial and regulatory tasks se t fo r th i m p l e m e n t a t i o n o f development, comprehensively implemented finance authorities i n the nat iona l economic and financial culture with Chinese characteristics and diligently s t r a t e g y, a n d policies executed the "five priorities" of finance, thus providing promote economic strong support for the great rejuvenation of the a n d s o c i a l E x e c u t i o n a n d Chinese nation through promotion of Chinese-style development i m p l e m e n t a t i o n o f modernizationregulatory requirementsO p e r a t e i n The Bank adhered to the fundamental purpose of c o m p l i a n c e Participation in relevant serving the real economy, optimized financial services w i t h l a w s a n d inves t iga t ions and through reform and transformation, accelerated regulations, and meetings development by promoting the new quality productive achieve healthy forces, and continued to strengthen its capability in development Acceptance of daily serving real economy and high-quality developments u p e r v i s i o n a n d regulation The Bank enhanced its support for technology innovation, advanced production, green development F i l i n g o f r e p o r t and medium, small and micro enterprisematerials and statistical statements, etc The Bank firmly implemented various regulatory policies, implemented comprehensive, proactive, agile and effective risk management, strengthened internal control, held the lifeline, and laid a solid foundation for the sustainable development302025 ESG REPORT OF CHINA BOHAI BANK Strategy and ManagementCustomers P r o v i d e h i g h - Research of customer The Bank has been improving its lean financial services quality financial satisfaction rate capabilityp r o d u c t s a n d s e r v i c e s , a n d Investigation of customer The Bank enhanced its ability in application of financial c o n t i n u o u s l y needs technologyimprove customer satisfaction The 95541 Customer The Bank promoted consumption upgrading, and Service Center and the boosted people’s wealth growth to meet people’s Credit Card Customer growing needs for a better lifeService CenterOfficial website, official WeChat account and other Internet channelsBusiness market ing campaigns and financial knowledge education activitiesEmployees P r o v i d e v a s t The staff congress The Bank continuously expanded career development path for career channelsd e v e l o p m e n t , Reporting and appeal a s c i e n t i f i c mechanisms The Bank improved the constraint and incentive r e m u n e r a t i o n mechanisma n d w e l f a r e Platform of “Dolphin system, and an Vocal Sound” The Bank resolutely safeguarded the legitimate rights excellent working and interests of employeesenvironment Staff leisure and sports activities The Bank cared for employees’ physical and mental health and well-beingMarket Achieve mutual Daily communication Benign competition, equal cooperation, and honest benefit and win- performancewin results Communicat ion and cooperation with other banksBidding activitiesVisiting suppliersPublic Participate in public Elimination of inequality The Bank continued to work on targeted poverty welfare initiatives, on development through alleviation effortsa n d p r o m o t e pub l i c we l fa re and social harmonious charity activities The Bank insisted on participating in public welfare development initiativesPromotion of employee volunteer services to The Bank supported and encouraged employees to actively contributing participate in volunteer servicesto the bui ld ing of a harmonious societySupport for community construction and launch of community service campaigns31Strategy and Management 2025 ESG REPORT OF CHINA BOHAI BANKGovernance (G)Stakeholders Expectations and Communication Requirements Channels Responsibility ResponseShareholders Realize sustainable R e g u l a r r e p o r t s The Bank delivered sound operating results, Society o p e r a t i o n s , a n d i n f o r m a t i o n continuously strengthened corporate governance, and improve return on a n n o u n c e m e n t s improved the information disclosure mechanisminvestment, and disclose information The general meeting, in a timely, truthful, the meeting of Board a c c u r a t e a n d of Directors and its comprehens ive special committee, manner the meeting of Board of Supervisors and its special committeeI n v e s t o r s ’ c o m m u n i c a t i o n Society C o n d u c t R e g u l a r r e p o r t s The Bank established a sound management system s c i e n t i f i c a n d a n d i n f o r m a t i o n on climate-related risks, and continuously strengthened comprehensive announcements corporate governancem a n a g e m e n t o v e r c l i m a t e -related risks, and promote g reen and low-carbon development32EnvironmentGreen development is the foundation for high-quality development, and new quality productive forces are inherently green productive forces The Bank has developed a deep understanding of the green essence of new quality productive forces It made active efforts to practice the new development philosophy, strengthen governance in green development and implement a green fi nance strategy to reinforce the management of climate and environmental risks By focusing on the three key areas of low-carbon economy, circular economy and ecological economy, the Bank has enhanced its capacity to serve the real economy It has continuously improved its low-carbon operation management system, vigorously implemented green procurement practices, and actively advocated for green, low-carbon and eco-friendly lifestyles and consumption patterns Through these efforts, the Bank has contributed to fostering a resource-efficient, environmentally friendly form of advanced productive forces, striving to help build a Beautiful China where humanity and nature coexist in harmony2025 ESG REPORT OF CHINA BOHAI BANK EnvironmentGreen Finance GovernanceI Green Finance Organizational StructureThe decision-making levelThe Board of Directors of the Bank has established the Risk Management Committee and Green Finance Committee to formulate green finance development strategies, as well as supervise and evaluate the strategy implementationThe management levelThe senior management has set up a green finance working leading group, led by a Head Office executive in charge, which is responsible for the organization and leadership of green finance operations throughout the Bank According to the green finance development strategies formulated by the Risk Management Committee and the Green Finance Committee of the Board of Directors, the green finance leading group has set the objectives of green finance operations, established mechanisms and processes, clarified responsibilities and authorities, conducted internal control inspection and assessment, reported the development of green finance to the Risk Management Committee and the Green Finance Committee of the Board of Directors annually, reported the progress of work to regulatory authorities and disclosed information as required35Environment 2025 ESG REPORT OF CHINA BOHAI BANKThe implementation levelThe Group Accounts Department of the Bank (Green Finance Department) is responsible for taking the lead in coordinating and promoting the green finance business development of the Bank and providing all-round green finance business support for branches Other departments of the Head Office are responsible for joining the lead departments to promote the Bank’s green finance operations and capacity building for low-carbon development The Bank encourages all branches to set up a green finance leading group, as led by the branch president, to systematically promote green finance business and the development of green industry clusters in the region, enhance the ESG risk identification, prevention and control capabilities of branches, and implement green operations in different branchesII Green Finance Policies and SystemsTo actively respond to the requirements of national and local green fi nance policies, the Bank continuously improved its green fi nance policies and systems, and has formulated and published, amongst others, the Action Plan for Promoting High-Quality Development of Green Finance of China Bohai Bank and Transition Finance Planning of China Bohai Bank, details of which are as follows:Green Finance Policies and Systems of China Bohai BankDocument name Document number Main contentsGuidance Opinions on Further Promoting the development of green Bo Yin Xing Ban Promoting the Development of Green finance, specifying the goals, and [2021] No 571Finance Business of China Bohai Bank focusing on key industriesSpecifying the path to implement the Notice on Carrying out Work on Carbon Bo Yin Pi Fa [2022] policy for carbon emission reduction Emission Reduction Support Tools No 3 support tools and its incentive arrangementsStrengthening green f inancing N o t i c e o n S t r e n g t h e n i n g t h e Bo Yin Pi Fa [2022] data management to reflect the Management of Green Financing No 11 authentic and accurate results of the Statistical Datadevelopment of green finance362025 ESG REPORT OF CHINA BOHAI BANK EnvironmentNotice on Forwarding the Notice of the Specifying the continuation of the People’s Bank of China on Matters Bo Yin Pi Fa [2023] implementation of carbon emission Related to the Continuation of the No 10 reduction support tools and its Implementation of Carbon Emission incentive arrangementsReduction Support ToolsFurther regulating the requirements Notice on Further Regulating the Work Bo Yin Pi Fa [2023] and work arrangements for the Related to Carbon Emission Reduction No 16 application of carbon emission Support Toolsreduction support toolsAnalyzing the development of green Notice on Publishing the Green finance of the Bank, and formulating Finance Analysis Report of China Bohai Bo Yin Fa [2023] three-year action goals and action Bank and Action Plan for Wholesale No 73path plans for wholesale banking to Business Development (2023-2025)promote green financeStrengthening the management of Management Measures for the proceeds from green financial bonds, Bo Yin Xing Ban Proceeds from Green Financial Bonds and ensuring the dedicated use of [2024] No 275of China Bohai Bank proceeds from green financial bonds for supporting green industriesImplementing the national top-level strategic goal layout of “carbon peak and carbon neutrality”, serving the national green and low-carbon Carbon Emission Rights Pledge Bo Yin Xing Ban deve lopment , suppor t ing the Financing Business Management [2024] No 327 development of a carbon emission Measures of China Bohai Bank (Trial)rights trading market, broadening corporate financing channels, and enhancing the competitiveness of the Bank’s products37Environment 2025 ESG REPORT OF CHINA BOHAI BANKComprehensively serving the strategic goals of achieving carbon peak and carbon neutrality, putting into practice the high-quality development Action Plan for Promoting High-Quality philosophy of the Central Committee Bo Yin Xing Ban Development of Green Finance of of the Communist Party of China and [2025] No 92China Bohai Bank and the State Council, deeply advancing the construction of a Beautiful China, and implementing the decisions and arrangements set forth by the Central Financial Work ConferenceFully implementing the development goals of transition finance, and Transition Finance Planning of China Bo Yin Xing Ban promoting the green and low-carbon Bohai Bank [2025] No 160transformation of financial services in support of the real economy382025 ESG REPORT OF CHINA BOHAI BANK EnvironmentGreen Finance Strategy and ManagementAdhering to the concept of high-quality development and the dual carbon goals, the Bank actively promoted green transformation and is committed to building China Bohai Bank into a true “green fi nance bank”I Green Finance StrategyLeveraging green credit and diversifi ed products, the Bank continuously expanded business sectors, such as green investment banking, green leasing, green funds, green consumption and carbon finance, to provide customers with comprehensive, diversifi ed and high-quality green fi nancial services With an aim of becoming a leading domestic bank in green fi nance, we strive to become a fi rst-class “comprehensive green fi nance services provider”Strengthened brand advantageThe Bank established a multi-level and multi-dimensional business system covering green credit, green direct fi nancing, green consumer finance and carbon finance, forming a product brand series with market influence With a rich and diverse service model, the Bank signifi cantly increased its green fi nance innovation capabilities and established a solid network of cooperative with banks, governments, businesses, and academia and research institutes In addition, the Bank has established multiple green fi nance innovation demonstration in China, the green fi nance brand image of Bohai Bank has become a fi rst-class brand widely recognized in the marketFurther enhanced systems and mechanismsThe Bank has established a special mechanism focusing on policies and systems, business evaluation, resource allocation and team building The mechanism is well-adapted to the development of the green finance business, fully activating and unleashing endogenous development momentum The cooperation between the Head Office and branches, as well as the synergies between business lines, has been functioning effectively in supporting the 39Environment 2025 ESG REPORT OF CHINA BOHAI BANKdevelopment of the green fi nance business, while the organizational capability, operational vitality and protection capacity have been significantly enhanced The Bank has made significant progress in building professional capabilities in green fi nance, and has strengthened leadership in professional fi elds such as domestic and international green fi nance standards, policy and system establishment, and carbon fi nanceSignifi cantly improved risk control capabilities Overall, the credit risk of the green fi nance business is controllable The non-performing loan ratio of green credit is lower than the average non-performing loan ratio of the Bank and there have been no major risk losses in all types of green fi nance business We strive to achieve domestic leading levels in terms of the establishment of an environmental, social and corporate governance (ESG) system and the results of regulatory assessmentsII Green Finance ManagementIn alignment with the decisions and arrangements of the Central Committee of the Communist Party of China and the State Council, the Bank actively implements the national philosophy of green and high-quality development, deepens its efforts in the construction of a Beautiful China, and comprehensively serves the strategic goals of achieving carbon peak and carbon neutrality By focusing on the three key areas of low-carbon economy, circular economy and ecological economy, the Bank leverages its role in serving the real economy As of the end of 2025, the balance of green loans of the Bank reached RMB59335 billion, representing an increase of RMB15951 billion compared to the beginning of the year, with a growth rate of 3677%Strengthening strategic guidance to make substantial contributions to green fi nanceFirstly, we focused on market dynamics and ecosystem integration in new energy, green computing power and AIDC sectors to enhance industry insights and risk control precision Through a model of "professional guidance of Head Office + local presence of branches", we conducted multi-dimensional customer accessibility, accelerated project approval and implementation efficiency, and adapted to the diversified financing needs of leading clients through green credit pricing tools and diversified financial products Secondly, we closely aligned with the direction of new power system construction, deeply explored opportunities in electricity market reforms, and capitalized on the policy impetus of Document No 136 to focus on key clients, key industries and key regions, striving to improve the quality and quantity of green fi nance business402025 ESG REPORT OF CHINA BOHAI BANK EnvironmentTaking multiple measures to enhance the quality and effi ciency of green fi nancial services in all aspectsFirstly, we focused on key sectors and elite clients by giving priority to green lending in specifi c industries such as artifi cial intelligence, next-generation information technology, new energy, new materials and automobiles, providing leading green enterprises with comprehensive and customized financial solutions to efficiently meet market demand for fi nancial services Secondly, we issued green fi nancial bond to broaden low-cost funding sources for green credit, with the proceeds used in supporting green industrial projects in the energy conservation and environmental protection sector, the clean energy sector, and green infrastructure upgrades Thirdly, we refi ned our green fi nancial product system, fl exibly applied products, fully utilized carbon reduction support tools and deepened cooperation with green and low-carbon enterprises Fourthly, we effectively linked green fi nance with transition fi nance Aligning with low-carbon trends, we formulated the Bank's fi rst transformation fi nance plan, further enhancing the quality and effi ciency of fi nancial support for green and low-carbon development Fifthly, we facilitated fully digital operations, put smart control measures in place, and reinforced digital operations, thus improving environmental, social and risk management levelsGreen fi nance coming a long way with gained recognition from regulators and the industryThanks to its outstanding performance in the green fi nance sector, the Bank was recognized as an “Outstanding Case in 21st Century Financial Competitiveness in 2025” and included in the “Annual Leading Green Financial Institution” listCASE“Electricity Bill Invoice (電費票 )”facilitates the green transformation of the energy industry chainIn September 2025, the Bank innovatively launched the "Electricity Bill Invoice" scenario product tailored to the business scenarios of State Grid, China Southern Power Grid, and Inner Mongolia Power This product, through "e-Invoice Connect, e-Invoice in One Scenario ( 渤銀 e 票通，e 票一場景 )", automates the entire electricity bill settlement process online, addressing pain points for electricity-consuming enterprises such as "high-frequency electricity purchases, fluctuating pricing, time-consuming reconciliation, and inefficient capital", building a new ecosystem for power grid fi nancial services, and supporting the green transformation of the energy industry chain41Environment 2025 ESG REPORT OF CHINA BOHAI BANKState Grid's electricity bill invoice focuses on the settlement of electricity bill payments between electricity-consuming enterprises and State Grid Huitong, supporting the entire online process of electronic bank acceptance bills, covering bill issuance, acceptance, discounting financing, and deduction upon maturity, which meet the fl exible payment needs of enterprises The China Southern Power Grid's electricity bill invoice is adapted to its internet settlement model, enabling "instantaneous" account of electricity bill funds, helping enterprises in new energy, manufacturing, and other sectors to use electricity effi ciently In the Inner Mongolia Power Grid scenario, relying on the automatic discounting function of “Easy Billing ( 承貼易 )”, it achieves T+0 real-time settlement in the fastest way, solving the cash fl ow problems of high-frequency electricity purchases by enterprises in coal, chemical, and other sectors in Inner MongoliaUnder the fi ve-step closed-loop business model of "electricity purchase agreement - bill issuance - discount financing - electricity bill payment - payment upon maturity," electricity-consuming enterprises only need to sign an electricity purchase agreement with the power supply bureau and submit the agreement and payment order The Bank can quickly issue electronic bank acceptance bills Upon the power grid company receives and discounts the bills, the funds are directly used to offset the enterprise's electricity bills During this process, models such as "buyer-paid interest discounting" and "automatic discounting" effectively reduce costs The bills can also be automatically settled upon maturity, achieving "seamless payment" The entire process reduces the burden on enterprises' electricity bill settlement and improves effi ciency Taking China Southern Power Grid's electricity bills as an example, the enterprise's fi nancing cost is only 12% With its core advantages of "easy processing, low cost, fl exible payment terms, and fast payment," it comprehensively helps enterprises improve the effi ciency of electricity bill managementThe "Electricity Bill Invoice" focuses on the electricity needs of green manufacturing enterprises such as new energy batteries and photovoltaic manufacturing The "bill payment + supply chain fi nance" model facilitates the precise allocation of power resources and realizes the organic connection between electricity-consuming enterprises, power grid companies and fi nancial institutions, creating a "power + fi nance" digital ecosystem and promoting the green transformation of the energy industry chain through fi nancial innovation422025 ESG REPORT OF CHINA BOHAI BANK EnvironmentCASEFinancial vitality nourishes green mountains: the Bank delivers precision support to the forestry value chainThe Bank regards providing fi nancial support for the high-quality development of forestry sector as a concrete action to implement the “Two Mountains” concept, and as a crucial opportunity to deepen our presence in green fi nance and serve the real economy It injects strong fi nancial momentum into improving the quality and effi ciency of the forestry, promoting its transformation and upgrading, and fostering both industrial prosperity and public well-beingIn the Guangxi Zhuang Autonomous Region, over 100 upstream forest land subcontractors, logging teams and seedling suppliers of a leading enterprise in the forestry industry undertook segmented operations such as eucalyptus planting, nurturing and logging The supply chain settlement model is characterized by the typical features of being "small-value, high-frequency and fragmented", leading to long-standing challenges of “diffi cult fi nancing and slow settlement,” which severely constrain the overall operational effi ciency of the industry chain To resolve the "funding bottlenecks" within the local forestry supply chain, the Bank, guided by the philosophy of " e-Invoice Connect, e-Invoice in One Scenario ( 渤銀 e 票通，e 票一場景 )", has designed and launched a specialized commercial draft discounting product tailored to the forestry sector By adopting a model of “issuing bills by core enterprise + discounting by upstream suppliers”, the Bank effectively extends the creditworthiness of core enterprises to the end of the industry chain, thereby providing targeted fi nancial support to the micro and small, enterprises and individual business owners along the chainThis solution not only matches the forestry production cycle by setting bill terms of 3 to 6 months, but also offers fl exible amounts that perfectly align with the characteristics of small-value, high-frequency transactions Furthermore, it enables suppliers to signifi cantly shorten their payment collection cycle by applying for bill discounting directly through online channels, which achieves T+0 settlement The commercial bill guarantee discount model has emerged as a "new engine" for the Bank in serving to the forestry supply chain of Guangxi, which benefi ts 52 suppliers, reduces their payment collection cycle from 90 days to 3 days, and increases logging efficiency by 18%, successfully securing the raw material supply for an annual pulp production output of 900,000 tonsAt the same time, the Bank has extended this model to other distinctive agricultural industry chains in Guangxi, such as sugarcane and sericulture, thereby unblocking the "arteries" of these agricultural chains and invigorating green productivity, thus ultimately benefi ting thousands of forestry farmers In this way, "living waters" of fi nance are enabled to precisely nourish the lucid waters and lush mountains43Environment 2025 ESG REPORT OF CHINA BOHAI BANKCASEThe comprehensive green finance service capabilities of the Nanjing Branch continued to strengthenIn 2025, the Bank’s Nanjing Branch prioritized the advancement of green fi nance as a key focus of the year The Branch thoroughly implemented the requirements regarding the "five priorities" of financial services, continuously deepened the development of its green finance system and significantly increased financial support for areas such as the green and low-carbon transition of the energy sector, the green upgrading of infrastructures, and energy conservation and carbon reduction The Nanjing Branch has achieved remarkable results in the development of its green fi nance business, with an increase in the balance of green loans of 5693%, and the volume of loans supporting the green and low-carbon energy transition growing by 4625%, demonstrating a sustained improvement in both the quality and effi ciency of its green fi nancial servicesChengdu Branch was recognized as the “Best Green Financial Institution of the Year”In December 2025, according to the “Circular on the List of Model Units for Fulfi lling Social Responsibility in the Sichuan Banking Industry for 2023–2024” issued by the Sichuan Banking Association, the Bank’s Chengdu Branch was recognized as a “Model Unit for Fulfi lling Social Responsibility in the Sichuan Banking Industry for 2023–2024 – Best Green Financial Institution of the Year” In recent years, the Chengdu Branch has vigorously developed green fi nance, making contributions in areas such as green credit, green operations and environmental public welfare442025 ESG REPORT OF CHINA BOHAI BANK EnvironmentLow-Carbon Operations ManagementThe Bank has deeply integrated the new development philosophy into all aspects and throughout the entire process of its operations and management With coordinated effort to improve its low-carbon operations management system and advance green procurement, it has strengthened its own carbon footprint management, while playing a positive role in fostering green development across societyI Energy Management and Greenhouse Gas Emissions ManagementThe Bank has taken various measures to conserve energy and reduce consumption for projects with the highest energy consumption during its operations These include the use of energy-saving facilities and equipment, as well as the application of environmentally friendly technologies and other comprehensive approaches to save energy and reduce consumptionIn terms of greenhouse gas emissions, the Bank strictly complies with the relevant requirements of the Greenhouse Gas Emissions Management System formulated by the environmental protection department To reduce greenhouse gas emissions, the Bank technically upgraded the combustion systems of the 4 gas-fi red boilers in the central air-conditioning heating system in 2020 After the upgrade, the greenhouse gas emissions fully comply with the relevant requirements of the international standard ISO14064-2018 for greenhouse gas emissions In 2025, the Bank continued to commission a professional institution to conduct monthly test on the greenhouse gas emissions from the gas-fi red boilers during the heating season The test results remained within the scope permitted by relevant regulationsII Water Resource ManagementThe Bank has made efforts in terms of technology and management to reduce water consumption The Bank has strengthened the inspection and maintenance of water supply system equipment, facilities and appliances to prevent 45Environment 2025 ESG REPORT OF CHINA BOHAI BANKwater leakage or dripping The Bank reasonably controls the pressure range of the water supply system’s start-stop pump, and adjust the operating frequency of the pump motors based on appropriate working pressure settings to effectively reduce the energy consumption of different types of pumps During the summer cooling period, the Bank regularly inspects and prepares the automatic water supply device for the air conditioning cooling tower to ensure normal function and timely water supply adjustment and avoid water waste The Bank analyzes the water consumption records of the Head Offi ce building on a monthly basis and takes targeted measures to ensure that water is used as neededIII Paper Consumption ManagementIn 2025, leveraging modern technology, the Bank refi ned its management practices and drove the implementation of smart office assistants It continued to utilize the OA System and archival system as key operational platforms, and strived to optimize process and expand module, with a total of 16 functional modules optimized for the year, which further reduced paper consumption in document circulation and records managementThe Head Offi ce adopted a centralized procurement and on-demand distribution management model, so as to further strengthen the centralized management of offi ce copy paper In 2025, a total of 5,444,500 sheets of copy paper were purchased (with A3 sheets s calculated as equivalent to two A4 sheets for statistical purposes)In 2025, the Bank held a total of 1,573 video conferences, effectively reducing carbon emissions generated by business travel, and the printing of meeting materials462025 ESG REPORT OF CHINA BOHAI BANK EnvironmentIV Green Procurement ManagementThe Bank fi rmly upholds the philosophy of sustainable development, and regards green procurement as a key pathway for fulfi lling its social responsibilities and driving high-quality development(I) Systematically establishing a green procurement management mechanismThe Bank has systematically embedded requirements regarding environmental protection, resource conservation, safety, health and recycling throughout the procurement chain It revised and issued core systems such as the Working Rules of the Centralized Procurement Management Committee (2025 Revision) and the Management Measures for the “Bo Cai Yi Gou ( 渤採易購 )”, and formulated the annual procurement authorization catalog, providing a solid institutional foundation for green procurement In key stages such as procurement initiation, supplier qualifi cation review, tender evaluation and assessment and contract performance, the Bank has established criteria and requirements including green management systems (ISO 14001, ISO 45001), clean production, waste recycling and green packaging and logistics, guiding suppliers to enhance their environmental performance(II) Actively leading the coordinated development of green supply chainsIn strict compliance with national and industry standards, the Bank prioritizes the procurement of green products and services with environmental labels and energy-saving certifi cations Suppliers are encouraged to continuously improve their production processes and adopt energy-effi cient equipment to reduce pollutant emissions Through contractual terms that clearly specify environmental requirements, the Bank guides suppliers to increase their investment in environmental protection and technological innovation, and work together to conserve resources and energy and reduce pollutant emissions, thus progressively building a green, low-carbon supply chain ecosystem with the Bank as its core47Environment 2025 ESG REPORT OF CHINA BOHAI BANKClimate and Environmental Risk ManagementI Identification, Assessment, Management, Monitor and Control Process of Environmental Risks(I) Identifi cation and assessment of climate-related risks The Bank identifies and analyses climate-related risks faced in business operations and investment and financing business from the perspective of physical risks and transition risks, including the short, medium and long term effects on major risks, such as credit risk, market risk, liquidity risks, operational risks, reputational risks, country risks, strategic risks and information technology risksMajor risks Climate-related risk factors and major effects TermPhysical risks: Extreme weather damages the value of corporate assets, leading to damaged or depreciated collateral, or affecting the supply chain, thereby affecting business operations, profi tability and Short, Credit survivability, and increasing the default raterisk medium and Transition risks: The goal of carbon peak and carbon neutrality will long termlead to changes in investor preferences and a decline in the expected returns on carbon-intensive assets, which may expose us to valuation decline and increased investor volatility482025 ESG REPORT OF CHINA BOHAI BANK EnvironmentPhysical Risks: Extreme weather events may damage national infrastructure, weaken economic growth and employment, and trigger potential losses and volatility in investment portfolios, which result in Market increased liability costs associated with climate-sensitive investments Short, risks and business operations medium and long termTransition risks: The goal of carbon peak and carbon neutrality will lead to changes in investor preferences and a decline in the expected returns on carbon-intensive assets, which may expose us to valuation decline and increased investor volatilityPhysical risks: Extreme weather causes widespread damage to Liquidity physical assets, resulting in construction and maintenance costs, Medium and risks leading to a surge in demand for withdrawals and emergency loans, long termand exacerbating liquidity pressuresPhysical risks: Extreme weather may have a negative impact on corporate infrastructure, systems, processes and employees, disrupting business continuityOperationalrisks Transition risks: In the process of adapting to climate changes, Medium termlosses may occur if internal corporate processes and systems are unable to meet the requirementsPhysical risks: Extreme weather and natural disasters may affect the safe and stable operation of an enterprise, leading to supervision and evaluation by regulatory authorities on the enterprise’s management capabilities for climate-related physical risks, which may lead to regulatory compliance risksShort, Compliance Transition risks: The green land carbon transformation of the national medium and risks economy, society, industry, and corporate operations, as well as long-termchanges in industrial development and corporate operations, may affect corporate business operations and risk management, leading to supervision and evaluation by regulatory authorities on the enterprise’s management capabilities for climate-related transformation risks, which may lead to regulatory compliance risks49Environment 2025 ESG REPORT OF CHINA BOHAI BANKPhysical risks: Providing financial support to customers and their projects that damage habitats and affect biodiversity may lead to reputation risksShort, Reputational risks Transition risks: Due to the green land carbon transformation of medium and the national economy, society, industry, and corporate operations, long-termcontinuous provision of fi nancing for enterprises with “high pollution, energy consumption and emission” or substantial increase in carbon-intensive assets may lead to reputational risksPhysical risks: Extreme weather may have a negative impact on business strategies of enterprises Enterprises that have not fully considered the impact of climate-related risk drivers in their original business strategies will be exposed to strategic risksMedium and Strategic risks Transition risks: Due to the low-carbon and green transformation of long termthe national economy and society, major changes in the production and operation of enterprises and intensified competition in green finance, the original business strategies of enterprises may not be able to meet new market demands, which may lead to strategic risksPhysical risks: Continuous rise in sea level may have a negative impact on the infrastructure and economy of coastal countriesCountry Medium and risks Transition risks: Countries relying on traditional high-carbon long termdevelopment models may face impacts and challenges during the transformation to a green and low-carbon development modelPhysical risks: Extreme weather may have a negative impact on equipment and systems of enterprises, which may cause system failures, data loss or damage, resulting in financial or reputational lossesInformation Short and technologyrisks Transition risks: Due to the low-carbon transformation of the medium termeconomy and society, the operations of banks or enterprises may experience major changes Existing information technology may not meet new requirements, resulting in fi nancial losses502025 ESG REPORT OF CHINA BOHAI BANK Environment(I) Climate-Related Risk Management, Monitoring and ReportingThe Bank regularly monitors and analyzes the balance and percentage of credit granted and utilized by market entities in high-carbon and high transformation risk industries The Bank also strengthens the monitoring and reporting of climate-related physical risks to enhance its business continuity management and contingency management capabilities(III) Climate-Related Risk Control and MitigationThe Bank has adopted risk management measures such as key business strategies, differentiated authority and processes, and list-based management to proactively control and mitigate climate risks in business operations and the investment and fi nancing businessII Climate and Environment-Related Risks and OpportunitiesThe Bank actively responds and adapts to business development opportunities in the changing climate and promotes green developmentMajor opportunities Key initiativesIncorporating climate risk management into the comprehensive risk management system and the entire credit approval process for investment and financing activitiesKeeping abreast of climate-related laws, policies and regulatory requirements, strengthening research on traditional energy industry and high-carbon industry, Sound climate risk and timely adjusting and optimizing credit policies for traditional energy industry, management system high-carbon industry and key sectors of green developmentEstablishing a climate-related risk analysis framework For traditional energy industry and high-carbon industry which are more vulnerable to the impact of transition risks, analyzing the physical risks and transition risks faced by the asset portfolio, conducting risk assessments, early warning, monitoring and emergency drills51Environment 2025 ESG REPORT OF CHINA BOHAI BANKBuilding a diversifi ed product system covering green credit and green bonds to meet market demands Increasing support for the development of green industries Developing and key sectors of low-carbon transformation and the upgrading of traditional green fi nance industries such as clean energy, energy conservation and environmental protection, and carbon reduction technology Actively and steadily promoting the green transformation of asset structuresContinuously promoting digital business strategy, innovating and promoting online Promoting digitalization transformation products and services, improving service quality and effi ciency, reducing operating costs and enhancing market competitivenessPromoting Promoting green offi ce, green procurement and green travel to effectively reduce green operation energy consumption and costsImproving the business contingency planning system, clarifying the requirements for emergency management of natural disasters, establishing and improving mechanisms such as material reserves, disaster prevention inspections and duty reports to ensure the safety of customers and employees, as well as the Enhancing emergencyresponse capability continuous and smooth provision of fi nancial servicesOrganizing business continuity training and emergency drills to improve the ability to respond to and handle emergencies Strengthening the construction of multiple data centers to improve the ability to ensure stable operationIII Climate and Environmental Stress TestsThe Bank’s climate and environmental risk stress tests are conducted in accordance with the Principles for the Effective Management and Supervision of Climate-related Financial Risks issued by the Basel Committee Building upon the stress scenarios developed by the Network for Greening the Financial System (NGFS), it established stress scenarios tailored to domestic realities, constructed risk transmission models, and utilized internal business data and industry-specifi c data to carry out these stress tests522025 ESG REPORT OF CHINA BOHAI BANK EnvironmentTest ScopeConsistent with the scope of credit risk stress tests, this covers the Bank's on-balance-sheet credit operations (wholesale and retail), while taking into account the impact of transferring off-balance-sheet activities to the balance sheetRisk TransmissionAssuming that the impact of climate-related risks is fully reflected in changes in GDP, scenario generation and stress transmission steps are conducted based on GDP projections provided by the NGFSTesting Time HorizonBeing the coming year, consistent with the projection period for credit risk stress testingStress ScenariosThe credit risk stress test establishes three stress scenarios: mild (Below 2°C), moderate (Net Zero 2050) and severe (Current Policies)Test ResultsUnder mild and moderate macroeconomic stress scenarios, the non-performing loan ratio of Bank involved in the test meets regulatory requirements, while the capital adequacy ratio slightly exceeds such requirements Efforts should be made to minimize non-performing loans and maintain capital adequacy at all times, minimizing the probability and the severity of impacts on its normal operations and business development during the test window However, under a severe stress scenario, accompanied by macroeconomic downturns and fluctuations, the Bank’s non-performing loan ratio is significantly affected, necessitating substantial additional provisions for loan losses This results in a capital shortfall, with the capital adequacy ratio declining to 1027%, falling below the regulatory requirement The Bank should maintain a certain pace of asset growth and adequate capital levels to mitigate cascading risks that may arise from extreme climate events53Environment 2025 ESG REPORT OF CHINA BOHAI BANKIndicators and Targets of Green Finance and Low-Carbon Operations Targets IndicatorsBalance of green loans In 2025, the balance of green loans amounted to RMB59335 billion, record a growth representing a year-on-year growth rate of 3677%Innovatively launching "Electricity Bill Invoice" scenario-based products, Launch innovative green fi nance products building a new ecosystem for power grid fi nancial services, and facilitating the green transition of the energy industry chainFormulating the Transition Finance Planning of China Bohai Bank, which provides a comprehensive blueprint encompassing the developmental Improve the green fi nance context of transition fi nance, an analysis of existing foundations and current development strategy status, overarching strategies and phased objectives, and safeguard measures, laying a solid foundation for comprehensively advancing the development of high-quality transition fi nance in the next stepIn 2025, total Scope 1 and Scope 2 carbon emissions and intensity of the Reduce carbon emissions from operations of the Head Office achieved a reduction For details, please refer to the section Head Offi ce headed “ESG Performance” of this reportNote: 1 The balance of green loans is calculated in accordance with the scope defi ned in the Circular on Issuing the Green Finance Supported Projects Catalogue (2025 Edition) jointly issued by the People's Bank of China, the National Financial Regulatory Administration, and the China Securities Regulatory Commission2 In 2025, due to changes in regulatory defi nitions, the Bank made a retrospective adjustment to its 2024 balance of green loans Prior to the retrospective adjustment, the balance of green loans in 2024 was RMB 48530 billion54SocietyThe Bank continuously deepens its understanding of the essence of socialism with Chinese characteristics in fi nance, actively cultivates a fi nancial culture with Chinese characteristics, adheres to a people-centered value orientation, and upholds the fundamental purpose of serving the real economy Promoting “fi nance for upward mobility,” the Bank deepened supply-side structural reforms in the fi nancial sector, effectively pursued the “fi ve priorities,” implemented national strategies, and served the development of key regions, leveraging fintech to empower the improvement of service quality and effi ciency Promoting “fi nance for good,” the Bank respected and protected the legitimate rights and interests of fi nancial consumers within the “Big Consumer Protection” framework, simultaneously promoting employee progress and well-being, and steadily advancing along the path of financial development with Chinese characteristicsSociety2025 ESG REPORT OF CHINA BOHAI BANK SocietyDeepening Connotative Development and Effectively Pursuing the “Five Priorities”Closely centering on the strategic deployment of the “five priorities,” the Party Committee of the Head Office established a leading group for the “five priorities,” transforming the political and institutional advantages of Party leadership into driving forces for innovation and development Bravely shouldering its financial mission, the Bank deeply pursued the “fi ve priorities,” optimized business models, innovated product systems, and improved service quality and effi ciency It precisely injected high-quality fi nancial resources with unique Bohai characteristics into key areas of economic and social development, delivering a remarkable performance in serving the real economy and empowering future developmentI Technology FinanceScience and technology constitute a primary productive force and serve as a crucial engine for cultivating and developing new quality productive forces In 2025, the Bank remained guided by the national strategy of scientifi c and technological innovation, continuously deepening its practices in technology fi nance Centering on the fi nancial needs of technology-based enterprises throughout their entire life cycles, the Bank adhered to the advantages of “specialization,” the philosophy of “refi nement,” the responsibility of “distinctiveness,” and the approach of “closeness” It fully leveraged the robust functions of the “CBHB Sci-Tech Innovation” comprehensive service system to dedicatedly serve technology-based enterprises, including national-level “Little Giant” enterprises using specialized and sophisticated technologies to produce novel and unique products, thereby facilitating the development of new quality productive forces The Bank served a total of over 8,000 technology enterprises, with the total annual loan disbursement for technology-based enterprises exceeding RMB100 billionRegarding system constructionThe Bank continuously improved the relevant systems for technology finance The Bank issued the Implementation Plan of China Bohai Bank for Promoting the High-Quality Development of Technology Finance, formulating implementation measures to promote the high-quality development of technology finance from 57Society 2025 ESG REPORT OF CHINA BOHAI BANKfive aspects: top-level design, channel expansion, product system, risk control system, and management mechanism Building upon this plan, the Bank continuously deepened and increased implementation matters, issuing the Notice of China Bohai Bank on Further Promoting the High-Quality Development of Technology FinanceRegarding products and servicesFirst, innovating fi nancial services to assist the development of science and technology innovation enterprises In 2025, the Bank conducted in-depth exploration surrounding technology scenarios and actively promoted the online migration of products to enhance service effi ciency It launched the online product for Binhai Hi-Tech Zone Point Loan—”Sci-Tech Innovation Point E-Loan” Combining with the innovation point system of Tianjin Binhai New Area, it provided credit support to technology-based small and micro enterprises with development potential through a combination of online and offl ine methods As of December 31, 2025, loans were extended to 27 customers, totaling RMB172 million Second, issuing sci-tech innovation bonds for the fi rst time to seize policy opportunities, broaden funding sources for technology fi nance, and reduce fi nancing costs for enterprises Following the introduction of the sci-tech innovation bond policy in May 2025, the Bank successfully issued RMB5 billion in special sci-tech innovation fi nancial bonds in the fi rst instance to support credit extension to technology enterprises, becoming one of the fi rst ten incorporated banks in the market to issue sci-tech innovation bonds It launched the “China Bohai Bank - CITIC Securities - Beijing-Tianjin-Hebei Enterprise Sci-Tech Innovation Bond Joint Quote Basket,” becoming one of the fi rst institutions in the country and the fi rst in the Beijing-Tianjin-Hebei region to create and quote such a basket The Bank invested in the fi rst batch of sci-tech innovation bond ETFs, further enriching its reserve of tools to serve sci-tech innovation It executed a pledged repurchase transaction collateralized by “25 ADBC Clean Development Sci-Tech Innovation Bond 01,” marking the fi rst such transaction by a joint-stock commercial bank In collaboration with the China Bond Valuation Center, it released Tianjin’s fi rst “twin index” for sci-tech innovation bonds named after a local institution, with constituent bonds covering the entire country As of December 31, 2025, the Bank had cumulatively underwritten 59 sci-tech innovation bonds for various entities, including central state-owned enterprises, regional industry leaders, private equity investment institutions, and venture capital institutions, with an amount reaching RMB13733 billion Third, perfecting the shelf of sci-tech innovation fi nancial theme products CBHB Wealth Management issued the sci-tech innovation themed wealth management product “Yield Plus (Sci-Tech Innovation) Six-Month Closed-End Wealth Management Product No 1” in July 2025, raising RMB151 million In December, it issued the sci-tech innovation themed open-end wealth management product “Feng Yu 90-Day Sci-Tech Innovation Fixed Income No 1,” achieving a breakthrough from zero for sci-tech innovation themed open-end products Fourth, creating distinctive technology fi nance products Combining the fi nancing characteristics of technology fi nance enterprises, which involve “early investment and investment in small enterprises,” the Bank leveraged its resource advantages to provide more convenient fi nancing services for enterprises through investment-loan linkage methods582025 ESG REPORT OF CHINA BOHAI BANK SocietyCASETechnology Finance Leveraging the Wave of “AI+” ActionThe 2025 Report on the Work of the Government proposed to continuously advance the “AI+” action, support the widespread application of large models, and combine digital technology with manufacturing and market advantages The Bank integrated diverse resources, focusing on supporting the artifi cial intelligence sector, and enhanced precise services covering the entire life cycle At Tianjin Tiankai Higher Education Sci-Tech Innovation Park, Tianda Zhitu (Tianjin) Technology Co, Ltd is an artifi cial intelligence enterprise established in 2023 The enterprise focused on the research and development of vertical large model technology Based on self-developed core products such as IT innovation-driven graph databases and knowledge engines, it provided industry knowledge graph services and enterprise-level knowledge base solutions, aiming to resolve issues such as data pollution and model hallucinations during the implementation of vertical large models, and promoting the digital-intelligent upgrading of enterprises and the integrated application of “industry + large models” Like many start-ups, the company faced the dilemma of possessing technology but lacking market presence, with an insuffi cient capital “foundation” As one of the fi rst fi nancial institutions to establish a branch in Tiankai Park, the Bank actively provided credit support to accompany the enterprise’s growthBlack Sesame Technologies, leveraging years of technological accumulation, has grown into an industry-leading supplier of automotive-grade intelligent vehicle computing chips and chip-based solutions, dedicated to the iterative upgrading of intelligent vehicle chips In the process of providing financial services to this enterprise, the Bank precisely and rapidly addressed its fi nancing needs by introducing partners for credit enhancement and launching standardized fi nancial productsTechnology innovation enterprises in the mature stage have gradually entered a stable operation phase Voicecomm Technology Co, Ltd, as a leader in the interactive artificial intelligence market, possessed strong technological advantages and outstanding product features Based on self-developed converged communication and artificial intelligence core technologies, the company empowered various scenarios including smart cities, smart transportation, smart communication, and smart fi nance Targeting the company’s funding needs for business expansion and increased R&D investment, the Bank introduced a featured financial service plan Furthermore, for mature technology enterprises, the Bank also established various services including supply chain finance, cash management, employee incentives, and financial advisory, forming a diversifi ed comprehensive fi nancial service model59Society 2025 ESG REPORT OF CHINA BOHAI BANKCASEActive Participation in the First Batch of Investment in Sci-Tech Innovation Bond ETFsOn July 17, 2025, the fi rst batch of 10 sci-tech innovation bond ETFs was offi cially listed On the fi rst trading day of the sci-tech innovation bond ETFs, the Bank actively allocated investments, contributing to the development of the sci-tech innovation bond market with concrete actions and assisting strategic technology innovation enterprises in accelerating their growthOn the fi rst trading day, the Bank invested in a total of seven of the fi rst batch of sci-tech innovation bond ETFs, with a total investment of RMB17 billion, achieving a one-click allocation of high-grade sci-tech corporate bonds on the Shanghai and Shenzhen stock exchanges Taking this as an opportunity, the Bank further enriched its reserve of tools for serving sci-tech innovation, guiding more capital to gather in the sci-tech innovation fi eld through market-oriented meansThe Bank continued to leverage its long-term dedication and accumulation in the technology fi nance fi eld to build and perfect a comprehensive service system covering multiple dimensions such as credit, bonds, and equity, continuously delivering “patient capital” to the forefront of sci-tech innovation and providing more solid fi nancial support for the vigorous development of technology innovation enterprisesII Green FinanceGreen fi nance has been fully disclosed in the Environment section of this reportIII Inclusive FinanceIn 2025, the Bank implemented the state’s decisions and deployments regarding inclusive fi nance, earnestly executed regulatory policy requirements, and promoted inclusive fi nance business to increase volume, expand coverage, reduce costs, and improve quality, effectively pursuing the “priority of inclusive fi nance”(I) Focusing on the digital upgrade of inclusive fi nance servicesAdhering to the development strategy of “doing real, doing small and doing well”, and guided by the philosophy of empowering “digital, platform, scenario, and ecosystem” with technology, the Bank established four major inclusive fi nance product lines: Chain Series (CBHB Chain E-Loan + Digital Series (CBHB Digital E-Loan + Fast Series (CBHB QuickPass + Tech Series (CBHB Tech E-Loan” It embedded inclusive fi nance services into various scenarios of small and micro enterprises’ production and operations, explored the establishment of a new model for digital inclusive fi nance, 602025 ESG REPORT OF CHINA BOHAI BANK Societyand comprehensively promoted the high-quality development of fi nancial services for small and micro enterprises As of December 31, 2025, the balance of the Bank’s inclusive loans was RMB59068 billion, an increase of RMB3797 billion from the beginning of the year, representing a growth rate of 687% The number of inclusive loan customers was 146,688, an increase of 17,223 from the beginning of the year, representing a growth rate of 1330% The average loan execution interest rate was 419%, a decrease of 013 percentage points from the beginning of the yearThe Bank efficiently connected with small and micro enterprise entities, focusing on improving the precision and adaptability of financial services in key areas Conducting in-depth analysis of development trends in segmented industries and the characteristics of industrial upgrading, the Bank precisely empowered strategic emerging fi elds such as high-end manufacturing, green manufacturing, and intelligent manufacturing, utilizing fi nancial vitality to assist enterprises in technological breakthroughs, capacity upgrades, and collaborative development of industrial chains Focusing on the business area of “two zones, two chains and one ecosystem”, and centering on key customer groups such as core enterprise supply chains, scenario ecosystems, sci-tech enterprises, and platforms, the Bank accelerated the construction of digital inclusive fi nance, continuously innovated and optimized online products, and promoted the transformation of marketing models from passive to active, product models from offl ine to online, and risk control models from traditional to intelligent, thereby enhancing the accessibility and convenience of fi nancial services for small and micro enterprisesThe Bank promoted the iterative optimization and innovative upgrading of key products, effectively enhancing customer experience With a focus on the main line of “online, intelligent, and scenario-based,” the Bank built the “CBHB Digital E-Loan” online product factory, striving to promote the digital upgrade of inclusive fi nance The “CBHB Digital E-Loan” series products adopt a specific scenario ecological cooperation model Based on transaction data and risk control logic provided by specific scenario ecosystems, combined with the small and micro enterprise’s own tax status, operation status, asset status, and external information such as industry, commerce, and judiciary, the Bank conducted comprehensive evaluations to precisely profi le small and micro enterprises, thereby improving the matching of credit products and broadening service scenarios Meanwhile, the products underwent continuous optimization and iteration to constantly meet personalized business needsCASE“Che Xiao Yi” Breaking New Ground in Vehicle Ecosystem Supply Chain FinanceIn July 2025, the Bank deeply integrated the entire industrial chain resources of “manufacturing - circulation - service - export” in the vehicle ecosystem and innovatively launched the “Che Xiao Yi” automotive fi nance featured service brand It focused on creating services covering parallel import vehicles, automobile dealers, and second-hand car exports, featuring “upstream and downstream integration, domestic and foreign trade integration, and pool-chain integration,” thereby resolving the pain points of one-stop fi nancial solutions in the vehicle ecosystem61Society 2025 ESG REPORT OF CHINA BOHAI BANKPreviously, parallel import vehicle enterprises faced the dilemma of long inventory cycles and high capital occupation rates In traditional fi nancing models, enterprises were required to make one-time huge payments during the procurement stage, while simultaneously facing diffi culties in offl ine coordination across multiple links such as foreign exchange purchase, customs declaration, and warehousing Keenly capturing this industry pain point, the Bank launched the “Che Xiao Yi” product, which centered on the business models of future cargo rights pledge and spot pledge in the parallel import vehicle industry It provided targeted financing solutions—a combination scheme of online letter of credit issuance and import bill advance—which significantly improved financing efficiency and helped enterprises accelerate inventory turnover Meanwhile, relying on “CBHB Global Fast Payment,” the Bank achieved full-process visual management of local and foreign currency receipts and payments The status of fund circulation was clear, transparent, and funds arrived rapidly, greatly enhancing the fi nancial work effi ciency of enterprises In the customs clearance scenario for parallel import vehicles, enterprises could realize 7×24 hours online tax payment through electronic tariff payment, offering convenient operations The tariff payment guarantee letter realized “release first, tax later,” with a single guarantee covering all customs districts nationwide, significantly improving customs clearance timeliness and optimizing overall supply chain efficiency Taking a batch of off-road vehicles from Canada in the Tianjin Port Free Trade Zone as an example, the person in charge of the relevant enterprise stated that thanks to the Bank’s “Che Xiao Yi” comprehensive fi nancial scheme, the process for this batch of parallel import vehicles—from procurement letter of credit issuance to customs declaration and tax payment—was simplifi ed, effi cient, and convenient, fully demonstrating the strong momentum injected by one-stop fi nancial services into the enterprise’s operation and development“Che Xiao Yi” is a flexible application of the Bank’s supply chain finance product “Boyin e-Chain—Yi Bao Tong” in the vehicle ecosystem “Boyin e-Chain—Yi Bao Tong” takes “industry as the soul, transaction as the body, and customer as the purpose” as its core concept It includes the “Yi Bao Tong” product line comprising “Financing Ease,” “Ling Dong Bao,” and “Settlement Ease,” forming a fi nancial service system relying on the “1+3+N” co-built open platform, which includes innovative products such as the new-generation domestic letter of credit, new-generation bill, new-generation factoring, “CBHB Haina Pool,” and CBHB Corporate Account Overdraft Simultaneously, guided by the industry, the Bank pioneered the “Customer Factory + Product Factory” dual-wheel drive service model, cumulatively achieving the output of personalized combination schemes for 14 mainstream industriesThe underlying logic of this model innovation is to deeply embed fi nancial services into industrial scenarios It is precisely under this innovation model that the Bank’s supply chain fi nance products benefi ted numerous industries through extensive service coverage and efficient operation modes By driving a large number of inclusive chain-affi liated enterprises to obtain fi nancing support through core enterprises, the Bank fully exerted the industrial chain inclusive effect of “large enterprises driving small ones”622025 ESG REPORT OF CHINA BOHAI BANK SocietyCASEThe Bank and COSCO Shipping Co-created a New Paradigm of Shipping FinanceIn November 2025, the Bank successfully granted an online credit loan to a shipping enterprise in the Tianjin area, specifi cally used to pay ocean freight to COSCO Shipping Group This transaction was not only the fi rst landing of the “Freight E-Loan” cooperation between the Bank and COSCO Shipping, but also the fi rst online inclusive cross-border ocean freight loan in the Tianjin area This marked the Bank’s deep breakthrough in the shipping fi nance fi eld under the new paradigm of inclusive fi nance, opening a new chapter of “shipping + technology + fi nance” ecological servicesThis business relied on the Bank’s digital inclusive technology advantages, innovatively adopting the model of “online application + credit granting + specific purpose” It met the high-frequency capital needs of cross-border shipping enterprises without requiring collateral or guarantee, effectively solving the core pain points of concentrated freight payments and capital turnover for shipping enterprises This innovative practice not only echoed COSCO Shipping’s full-industrial-chain fi nancial service needs but also fi lled the gap in online inclusive cross-border shipping fi nance products in the Tianjin areaFuzhou Branch Won the “Inclusive Finance Service Institution of the Year” AwardOn December 25, 2025, the results of the 15th “Public View on Finance” selection, hosted by mainstream media in Fujian Province, were offi cially announced By virtue of its innovative measures and operational achievements in serving 361 Degrees Group, a leading enterprise in the footwear and headwear industry in Fujian, the Fuzhou Branch of the Bank was honored with the “Inclusive Finance Service Institution of the Year” award Utilizing the “Boyin e-Chain” series products, the branch facilitated services for 50 inclusive enterprises affi liated with the 361 Degrees Group supply chain, completing the extension of 24 fi nancing transactions for 21 suppliers within a single working day, earning high praise from customersBeijing Branch Adopted Multiple Measures to Improve the Quality and Effi ciency of Inclusive ServicesIn 2025, the Beijing Branch of the Bank thoroughly implemented various work deployments regarding fi nancial support for private and small and micro enterprises Adhering to the development philosophy of “increasing volume, expanding coverage, and improving quality,” it increased the proportion of online inclusive finance businesses and focused on enhancing its capability to serve small and micro enterprises63Society 2025 ESG REPORT OF CHINA BOHAI BANKFirst, enriching customer groups and broadening service channels The branch distributed lists of enterprises to visit to its outlets Various institutions actively communicated and connected with enterprises through phone visits and on-site visits, achieving full coverage of visits and signifi cantly expanding the scope of servicesSecond, optimizing the loan structure and strengthening support intensity By screening inclusive small and micro enterprises that still had financing needs after the maturity of their inclusive businesses, the branch allowed qualifi ed enterprises to handle “loan renewal without repayment of principal” business It increased the proportion of medium- and long-term loans, strengthened support for manufacturing and sci-tech small and micro enterprises, and promoted the increase of credit products’ share in the total outstanding loans to small and micro enterprises, thereby expanding and solidifying the customer base and further perfecting the service system(II) Continuously deepening the connotation of fi nancial services to benefi t people’s livelihoodsWith the goal of “creating value for the better life of the people through fi nance,” the Bank continuously deepened the connotation of services, enhancing customers’ sense of gain, happiness, and security Relying on scenario-based, ecological, and digital approaches, the Bank provided a “Citizen Finance” service experience that is “anytime, anywhere, on-demand, invisible, seamless, and barrier-free” The Bank actively connected with government livelihood projects and new economy platforms, continuously broadening payment and settlement channels, and promoting the innovative integration of application scenarios From serving “guaranteeing building delivery to stabilize people’s livelihood” to assisting in the distribution of benefi t coupons for the people, from housing provident fund loans to second-hand house fund escrow, from small passenger car lottery to prepayment rights for heating fees, from public transport all-in-one cards to the third-generation social security cards, from payroll service to talent loans, and from universities for the elderly to community services, the Bank’s convenient, benefi cial, and people-oriented fi nancial services continued to upgradeThe Bank continuously optimized deposit functions and constantly improved customer experience First, optimizing the display of deposit holding pages and structured deposit product interfaces, launching the deposit certifi cate verifi cation function, and developing combined deposit functions Second, issuing exclusive deposit products for key customer groups such as payroll customers, private banking customers, and new customers, such as the exclusive products for social security cardholders of the Tianjin Branch and the exclusive products for the Railway Bureau of the Jinan BranchThe Bank continuously expanded fi nancial ecosystem scenarios, focusing on areas such as government services, public wellbeing, and transportation, so as to further enhance customer experience and actively promote initiatives that bring inclusive fi nancial benefi ts to the public Building on the earlier “One-Cent Bus Ride” campaign, Tianjin Branch continued to roll out the “Discounted Bus Ride” campaign, offering customers exclusive random instant discounts on urban bus services in Tianjin In addition, by providing exclusive benefi ts linked to social security cards, the Bank further enhanced the service experience of elderly customers and fulfi lled its commitment to delivering fi nancial services for a better lifeThe Bank added 15 precious metal products covering themes such as “Golden Snake Welcoming Fortune Lucky Money Gold,” “Ornaments with Exquisite Craftsmanship,” and “Dunhuang Cultural Theme” For fund distribution, the customer signing process was simplified, and suitability management functions such as customer risk warnings and trading restrictions for special groups were optimized Additionally, functions and interface displays for trust distribution, including qualifi ed investor certifi cation, customer and transaction data transmission, risk warnings for the elderly and young, and 642025 ESG REPORT OF CHINA BOHAI BANK Societyone-click copying of risk statements, were improved The insurance trust realized fully online processing, vigorously advancing the standardization process and further enhancing customer service satisfactionThe number of wealth management products on sale at the Bank increased to 300, nearly four times that of the same period last year Investment choices continued to expand, precisely matching customers’ diversifi ed allocation needs As of December 31, 2025, CBHB Wealth Management Co, Ltd served over 11 million wealth management customers, issued 528 wealth management products throughout the year, and cumulatively created returns exceeding RMB48 billion for customers In 2025, the Company issued 14 “Building Dreams Together” charity-themed closed-end wealth management products, with a fundraising scale of RMB2272 billion On the one hand, it yielded profi ts to investors by reducing fees; on the other hand, upon the maturity of the products, it made donations to the Tianjin Women and Children Development Foundation on behalf of investors, practically implementing the philosophy of “wealth for good”CASEPrecisely Supporting the Consumer Market with Financial VitalityThe Bank continuously increased the supply of fi nancial products and services, deeply expanded diversifi ed consumption scenarios, and fully upgraded its service capabilities It precisely channeled fi nancial resources into livelihood consumption sectors, effectively unleashing market potential and injecting strong financial momentum into expanding domestic demandIn terms of expanding financial supply in the consumption sector, the Bank continued to play the main channel role of credit support, optimized consumer loan products, and launched the “CBHB E-Loan Golden Collar Loan,” which features revolving usage and borrowing and repayment at any time, thereby enhancing consumer credit service capabilities and building a bridge between fi nancial services and livelihood needs The Bank strengthened the application of technologies such as the internet and big data, continuously optimized the online application experience for consumer loans, and improved the convenience of consumer fi nancingIn terms of assisting in unleashing consumption potential, the Bank continuously increased fi nancial support for goods consumption, service consumption, and new types of consumption Closely following new trends in the development of diversified consumption scenarios, the Bank focused on deepening the symbiotic and win-win cooperation model within the macro-ecosystem of community business circles surrounding its outlets It provided a one-stop service experience of “enjoying fi nancial rights immediately upon consumption,” built a consumption scenario fi nancial ecosystem, and effectively channeled “fi nancial vitality” into livelihood consumption sectors through activities such as joint brand marketing and consumption discountsThe Bank launched marketing activities such as consumption and installment lucky draws targeting scenarios 65Society 2025 ESG REPORT OF CHINA BOHAI BANKlike trade-ins and state subsidies, assisting in unleashing consumption potential Combining specifi c sectors such as renovation and automobiles, it launched special installment products By comprehensively considering the cardholder’s credit level and repayment ability, the Bank reasonably designed product structures and expanded the scope of consumer fi nance services under the premise of controllable risksIn terms of customer acquisition in community business circles, the Bank focused on three major categories of scenarios: “elderly care,” “childcare and parenting,” and “lifestyle services” It delved into communities surrounding outlets and met the diverse consumption needs of community residents through forms such as group buying of goods, service experiences, and customized activities The Bank assisted retail enterprises and merchants closely related to people’s lives—such as clothing, food, housing, and transportation—through cash management tools, making merchant operations more vibrant, facilitating residents’ lives, and achieving the common development of fi nancial services and the community business circle ecosystemRelying on mobile banking, the Bank meticulously built the “Bo Lan Hui” online scenario platform Based on the customer points and rights system, and centering on education, healthcare, elderly care, childcare, and consumption life needs, it created a one-stop fi nancial life service platformThe Bank Signed a Comprehensive Strategic Cooperation Agreement with WeDoctor Holdings LimitedOn July 15, 2025, the Bank signed a comprehensive strategic cooperation agreement with WeDoctor Holdings Limited, a leading AI medical enterprise Both parties will carry out all-round in-depth cooperation centering on digital health consortium business, supply chain fi nancial services, and personal consumption businesses, jointly promoting the deep integration of the medical and health industry with fi nancial services This cooperation will fully integrate WeDoctor Holdings’ innovative advantages in AI healthcare with China Bohai Bank’s comprehensive financial service capabilities, injecting financial momentum into enterprise development, boosting the digital-intelligent transformation process of medical services, and better benefi ting the public662025 ESG REPORT OF CHINA BOHAI BANK SocietyCASETaiyuan Branch Signed a Strategic Cooperation Agreement with Huajian Sports Holding GroupOn June 12, 2025, the Taiyuan Branch of the Bank signed a strategic cooperation agreement with Huajian Sports Holding Group The Bank will fully leverage its professional advantages in comprehensive fi nancial services and fi ntech innovation to tailor a package of fi nancial service solutions for Huajian Sports Group, covering event fi nancing, supply chain fi nance, and scenario-based consumer fi nance At the same time, it will actively explore the deep integration of fi nance and sports consumption scenarios, providing smart fi nancial solutions for scenarios such as sports venues, event activities, and sports consumptionHuajian Sports Group shoulders the heavy responsibility of leading the transformation and upgrading of the sports industry in Shanxi Province and stimulating the potential of sports consumption Its business covers event hosting, venue operations, sports technology, and sports media(III) Continuously improving the quality and efficiency of financial services for agriculture, rural areas and farmersIn 2025, guided by Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, the Bank comprehensively implemented the spirit of the 20th National Congress of the Communist Party of China and all its plenary sessions, the Central Economic Work Conference, the Central Financial Work Conference, and the Central Rural Work Conference It strictly implemented policy requirements such as the Notice by the General Office of the National Financial Regulatory Administration Regarding Solidly and Effectively Conducting the Financial Work on “Agriculture, Rural Areas, and Farms” in 2025 and the Opinions of the People’s Bank of China and the Ministry of Agriculture and Rural Affairs on Strengthening Financial Services for Rural Reform and Promoting All-around Rural Revitalization The Bank continuously improved the quality and effi ciency of fi nancial services for agriculture, rural areas and farmers, adhering to allocating higher-quality fi nancial resources to key areas and weak links in agricultural and rural developmentAs of December 31, 2025, the outstanding balance of the Bank’s agriculture-related loans was RMB46665 billion, an increase of RMB925 million from the end of the previous year, representing a growth of 202% 67Society 2025 ESG REPORT OF CHINA BOHAI BANKIV Pension FinanceGuided by Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, the Bank earnestly implemented the decisions and deployments of the CPC Central Committee and the State Council regarding pension fi nance, serving the high-quality development of the silver economyDeveloping pension fi nance businessThe Bank vigorously promoted its branches to obtain qualifi cations for third-generation social security card business and successfully obtained the card issuance qualifi cation in the Tianjin region The Bank continuously optimized system functions and strengthened the promotion of personal pension activities through multiple channels; it continuously enriched personal pension products, establishing a product line of “exclusive deposits, exclusive wealth management, and exclusive insurance” to meet more investment needs for aging preparation As of December 31, 2025, the total amount of funds deposited into the Bank’s personal pension accounts increased by 46% year-on-yearDeveloping pension service fi nance businessThe Bank continuously consolidated the “Five Ones” comprehensive service system for pension finance: “one card, one product suite, one service system, one professional team, and lifelong companionship” It launched the debit card themed on respecting and caring for the elderly — the “Botai Card,” continuously expanding scenario services such as public transportation, universities for the elderly, and cultural and sports activities, and jointly issuing exclusive cards such as senior discount cards and affi nity cards with relevant institutions The Bank continuously enriched the “Botai” pension product shelf, developed and launched the paper fi xed-term deposit certifi cate suitable for middle-aged and elderly customer groups — “Sui Yue Deposit,” jointly issued the fi rst phase of senior care wealth management products with CBHB Wealth Management, selected top-tier institutions to launch commercial pension products, and innovatively created the “Bo Xiang Jia” wealth inheritance system to meet customers’ needs for pension planning and wealth inheritance682025 ESG REPORT OF CHINA BOHAI BANK SocietyImproving the construction of pension fi nance support systemsCentering on the service needs of elderly customer groups, the Bank optimized service processes, providing “Senior Care Hotline” agent services for customers aged 60 and above, with “one-click direct access” eliminating multi-level menu operations; it launched the “Botai Large Font Version” of the mobile bank; launched the “CBHB E-Butler” pension planning service; and cultivated a team of pension fi nancial planners, with the number of certifi ed pension fi nancial planners reaching 200 as of December 31, 2025Supporting the development of the pension industry fi nanceThe Bank deeply explored financing businesses for the pension industry, utilizing tools such as fi xed asset loans and working capital loans to actively serve entities such as healthcare and nursing groups, healthy aging service companies, and elderly care institutions, thereby boosting industrial development Following policy guidance closely, the Bank actively promoted the pre-payment fund supervision business for elderly care institutions, proactively connected with the Ministry of Civil Affairs, and established a pre-payment fund supervision system for elderly care institutions to build a solid defense line for fund safety As of December 31, 2025, the Bank had been selected as a qualifi ed bank for elderly care institution fund supervision in Tianjin Municipality, Hebei Province, and Xiaodian District of Taiyuan City, constructing a multi-level service network of “provincial + municipal + district/county”CASEEmpowering Pension Fund Supervision to Safeguard the People’s “Pension Money”In April 2025, the Bank became a partner bank for the pre-payment fund supervision of elderly care institutions under the Ministry of Civil Affairs In November, it completed the comprehensive docking with the Ministry of Civil Affairs’ headquarters-to-headquarters system, successfully establishing a full-process supervision system ranging from account opening and dynamic fund monitoring to abnormal transaction warnings69Society 2025 ESG REPORT OF CHINA BOHAI BANKRelying on its fintech capabilities, the Bank strictly implemented the requirement that pre-payment funds be used only for their designated purposes Through tri-party custody agreements, it clarified supervision responsibilities and standardized operations, promoting multi-party collaboration among civil affairs departments for dynamic monitoring, elderly care institutions for compliant operation, and the elderly group for fund safetyThe Bank continuously deepened its practice of fund supervision for elderly care institutions, building a solid defense line for fund safety with professional fi nancial services, promoting the high-quality development of elderly care services, and providing a replicable practical model for fi nancial institutions to participate in serving the pension industrySuzhou Branch: Painting a Warm Picture of “Sunset Glow” in Finance with “Elderly-Friendly” StrokesThe Bank’s Suzhou Branch regarded pension fi nance as a key focus for serving people’s livelihood Through the dual-track approach of building a foundation with systems and practicing with warmth, it created an “elderly-friendly” service system integrating “safety, convenience, and warmth”Doorstep service solving the “last mile” problemAddressing the travel diffi culties faced by the elderly and the infi rm, the branch provided professional and comfortable doorstep services Relying on measures such as two-person visits and video witnessing, it ensured that the service process was “standardized and supervised”“Slow service” delivering fi nancial warmth in a fast-paced eraThe branch advocated “moderate speed, appropriate volume, and constant sincerity” in elderly-friendly services When serving elderly customers, it always paid attention to their physical and mental states, listened patiently to their needs, slowed down speech during communication, and used easy-to-understand language to interact with them, allowing elderly customers to feel the warmth of Bohai’s servicesBuilding an anti-fraud fi rewall with professional sensitivityWhen handling business consultations for elderly customers, service personnel always maintained professional sensitivity, proactively alerting customers to potential risks and guiding them to call offi cial phone numbers for verifi cation regarding potential scams, thereby preventing fi nancial losses for elderly customers In terms of publicity and education, the branch integrated anti-fraud publicity into scenarios such as doorstep services and lobby services Through methods like dialect explanations and case study brochures, it enhanced the “immunity” of the elderly group against fraud702025 ESG REPORT OF CHINA BOHAI BANK SocietyCASETianjin Branch: Optimizing Financial Services to Facilitate a New Convenient Life for the ElderlyReducing travel for elderly services To better meet the travel needs of the elderly group, the Tianjin Branch of the Bank collaborated with Tianjin Metropolitan Card Co, Ltd on the “Senior Discount Card” business Relying on 49 outlets across the city, it provided agency services for free bus card-related businesses for elderly people aged 65 and above (including short-term visitors to Tianjin) in Tianjin Municipality The Senior Discount Card combines rights and interests such as free bus rides and exclusive fi nancial services By optimizing business processes, the branch effectively resolved the inconvenience where elderly users could previously only handle procedures at three Tianjin Municipality One-Card stations, realizing the goal of “data running more errands and the public running less errands”Broad coverage of livelihood services As the issuing institution for the third-generation social security card in Tianjin, the Tianjin Branch officially provided services such as application and replacement of third-generation social security cards to the public starting from January 1, 2025 Since the launch of the service, centering on third-generation social security business, the branch actively promoted the acceptance of convenience services, deepened co-construction with streets and communities and livelihood scenario services, and promoted the third-generation social security card authentication work for pension qualifi cation certifi cation and subsidies for community canteens for the elderly Meanwhile, by developing livelihood service scenarios and consumption scenario applications for the third-generation social security card, and combining with the Haihe International Consumption Season, heating payment season, and business district community construction, the branch accelerated the replacement and popularization of the third-generation social security card in Tianjin Municipality71Society 2025 ESG REPORT OF CHINA BOHAI BANKV Digital Finance(I) Digital technology strengthening foundations and empowering businessSolidifying digital foundationsThe Bank continuously enhanced its independent control over key core technologies and accelerated the construction of the four major projects Regarding the construction of the new-generation distributed core system and counter channel system, the Phase I Loan Center was successfully put into operation, and the construction of the Phase II Deposit Center proceeded steadily, solidifying the foundation of enterprise service capabilities and providing core support and strong guarantees for the high-quality development of the business The main project of the new-generation Integrated Funds Business Management System was successfully put into operation, achieving integrated business processing across the front, middle, and back offices Regarding the construction of the Lake-Warehouse Integrated System, the main functions of the data lake system were successfully put into operation; the second-generation data warehouse system completed the deployment of the same-city disaster recovery center and was put into operation Regarding the construction of the new-generation credit risk management platform, the pilot project entered the implementation stage The Bank focused on promoting the construction of the “AI Application Project,” centering on key areas such as smart customer service, risk control, investment advisory, operational automation, and precision marketing, and completed pilot applications in multiple scenarios including AI smart risk control analysis and generation of due diligence reports for corporate customers The construction of the aforementioned systems will systematically enhance the Bank’s technological support capabilities and data quality, injecting strong momentum into the Bank’s high-quality developmentDigital technology empowering businessFocusing on industrial digital finance, retail digital finance, and financial market digital finance products and services, the Bank fully leveraged the empowering role of digital technology and data elements in business It launched the “CBHB Treasury” service system for the first time, continuously optimized the “CBHB Digital E-Loan” product base and risk control foundation, launched commercial pension products, achieved the integration and upgrade of the retail customer relationship management system, and built a one-stop retail customer operation and management portal It also put the asset look-through system into operation, realizing the online look-through of non-underlying asset data and centralized management of foreign exchange transactions for customers, and promoted the Phase II construction of the customer fund trading system, helping to comprehensively improve the quality and efficiency of financial services for the real economy722025 ESG REPORT OF CHINA BOHAI BANK SocietyCASEThe Bank Was Granted an Invention Patent Right by the National Intellectual Property Administration for the First TimeOn November 19, 2025, the National Intellectual Property Administration issued the Notifi cation of Granting Invention Patent Right to the Bank The Bank’s independently developed invention, “A Financial Statement Risk Identification Method, Device, Electronic Equipment, and Storage Medium,” successfully passed the substantive examination and was granted the invention patent rightBased on actual business conditions, this patent focused on the industry challenge of financial statement window-dressing risks By deeply mining risk pain points and technical bottlenecks in daily work, and relying on neural networks and contrastive learning technologies, it proactively explored large model algorithm architectures and constructed a systematic and intelligent risk identification solution This effectively improved the accuracy and timeliness of financial statement window-dressing identification and was implemented in multiple business scenarios such as risk management, providing solid technological support for comprehensively enhancing the Bank’s intelligent risk control capabilities and building a strong business security barrier“Intelligent Risk Control Report Project” Selected for National-Level Case CollectionIn November 2025, at the 8th China Enterprise Forum, the Research Center of the State-owned Assets Supervision and Administration Commission of the State Council offi cially released the Collection of Practical Application Cases of Smart Decision-Making by State-owned Assets and State-owned Enterprises (2025) The Bank’s “Intelligent Risk Control Report Project” was successfully selected This marked that the Bank’s innovative practices in the fi elds of fi ntech and risk management received authoritative recognitionThe “Intelligent Risk Control Report Project” was the Bank’s fi rst business application successfully connected to an AI large model It innovatively adopted a collaborative mechanism of “data annotation + machine learning model + large language model,” achieving complementary advantages and efficiency integration of multiple model technologies By constructing a risk assessment matrix from seven dimensions, including business structure, asset quality, product type, branches, and customer managers, the system was able to perform three-dimensional identifi cation, precise positioning, and look-through management of risk points This innovative design not only provided the Head Offi ce with a panoramic risk view but also offered clear and targeted guidance for branches to carry out risk control workAt the practical level, the project demonstrated signifi cant application value Relying on the advanced large 73Society 2025 ESG REPORT OF CHINA BOHAI BANKmodel intelligent engine, the system could tailor “one branch, one policy” risk management schemes and business development suggestions for each branch, assisting branches in rapidly formulating “one customer, one policy” refi ned customer management strategies It is worth noting that while improving the precision of risk identifi cation, the project also signifi cantly enhanced business operational effi ciency Through automated report generation and intelligent decision support, it effectively alleviated the workload of grassroots employees, achieving a dual enhancement of risk control and operational effi ciency(II) Platform ecosystem fi nance creating a new collaborative mechanismThe Bank fully established a new mechanism for multi-channel collaborative empowerment of high-quality financial services via mobile banking, remote banking, and WeCom Focusing on three major fields—consumer internet, government services and people’s livelihood, and industrial chain upgrade—and seven segmented scenarios including real estate transactions, automotive industry chain, government services and people’s livelihood, consumer chains, education, enterprise online operations, and online e-commerce, the Bank conducted in-depth research on the commercial logic and core demands of each scenario, formulated personalized fi nancial solutions, and perfected the product matrix In 2025, the Bank successfully launched UnionPay “Order Payment,” “Corporate Quick Pay,” and Panda Coin products, and iteratively upgraded businesses such as “Sincere E-Deposit · E-Transfer,” “Bo Shang Ying,” and “Online Payment”In 2025, the Bank continuously utilized digital means to steadily promote mobile banking construction In June, it completed the age-friendly and barrier-free renovation of the “Senior Version” of the mobile bank, achieving comprehensive upgrades in page layout optimization, interaction simplifi cation, security mechanism reinforcement, and elderly service function design During this process, the Bank actively applied domestic operating systems and successfully released the HarmonyOS version of mobile banking services on the Huawei AppGallery in December, further deepening the role of mobile banking as the main channel for customer service742025 ESG REPORT OF CHINA BOHAI BANK SocietyServing National Strategies and Supporting Regional Economic DevelopmentThrough targeted services, proactive deep cultivation, and ecosystem empowerment, the Bank closely aligned with national strategies, penetrated deeply into the industrial fabric, and reshaped bank-enterprise relationships It comprehensively and deeply advanced the “Three Bohais,” “Five Factories,” “Nine Major Banks,” and “Ten Major Projects,” promoting the transformation from a “service provider” to an “ecosystem co-builder,” and running at full speed on the new journey of serving national development strategies and the high-quality development of the regional economy Fully leveraging its advantages as a national joint-stock commercial bank, the Bank assisted in the implementation of national regional development strategies It continuously improved the quality and effi ciency of services in key regions such as the Beijing-Tianjin-Hebei region, the Yangtze River Economic Belt, and the Guangdong-Hong Kong-Macao Greater Bay Area, and strove to meet the development needs of regions such as Northeast China and the central and western regions, injecting strong momentum into the high-quality development of the regional economyOn December 11, 2025, the Bank entered into a comprehensive strategic cooperation agreement with China National Gold Group75Society 2025 ESG REPORT OF CHINA BOHAI BANKCASEThe Bank Empowering the Accelerated Construction of a Modern Logistics SystemIn June 2025, the Bank successfully launched the fi rst “China Railway Freight Loan” business in cooperation with China State Railway Group Co, Ltd, extending a loan of RMB50 million to a subsidiary of a group specifi cally for railway freight payments The successful disbursement of this “China Railway Freight Loan” not only alleviated the company’s working capital pressure and provided an effi cient and convenient fi nancing channel but also reduced the financing cost for the enterprise through the management of special credit extension and revolving limits Furthermore, it integrated upstream and downstream resources of the supply chain, enhancing the synergy within the supply chain ecosystemThe “China Railway Freight Loan” is a scenario-based supply chain fi nance product jointly created by the Bank and China State Railway Group, precisely serving logistics and freight enterprises, shippers, and cargo owners This product represents not only another innovation in scenario fi nance but also a key breakthrough for the Bank in deeply serving the real economy and resolving fi nancing diffi culties for logistics enterprises Centering on the core scenario of real railway freight payments, the “China Railway Freight Loan” product relies on digital risk control technology to deeply integrate logistics data fl ow with bank capital fl ow It provides enterprises with fi nancing support based on genuine trade backgrounds, effectively solving their “short-term, frequent, and urgent” fi nancing needs in the freight payment process, signifi cantly reducing fi nancial costs, and accelerating capital turnover effi ciencyModern logistics connects production and consumption, serving as a strategic and foundational industry supporting the effi cient circulation of the national economy As China’s railway logistics fi nance enters a new stage of digitalization and scenario-based development, the Bank uses the “China Railway Freight Loan” as a fulcrum, focusing on the digital upgrade of railway freight scenarios It is fully expanding its business coverage radius to commodity transportation hubs in the Beijing-Tianjin-Hebei region and deeply collaborating with China State Railway Group to develop a freight settlement product matrix By using innovative solutions to precisely resolve industry pain points, the Bank injects sustainable fi nancial momentum into regional logistics upgrades and the development of the real economy762025 ESG REPORT OF CHINA BOHAI BANK SocietyI Coordinated Development of the Beijing-Tianjin-Hebei regionThe Bank fully leveraged its functions of financial intermediation and resource allocation Through diversified bond investments and a package of comprehensive financial services, it precisely supported the direct financing needs of enterprises within the region, injecting strong momentum into the coordinated development of the Beijing-Tianjin-Hebei region The Bank continued to leverage its advantages as a comprehensive market maker for spot bonds in the interbank bond market, providing market-making services for Beijing-Tianjin-Hebei corporate bonds It effectively connected the needs of issuers and investors, facilitated price discovery in the secondary market for corporate bonds, and saved financing costs for enterprises In 2025, the Bank conducted market-making transactions for Beijing-Tianjin-Hebei credit bonds amounting to RMB4687 billion Furthermore, the Bank spared no effort to promote financial market innovation, enhancing the liquidity of bonds in the Beijing-Tianjin-Hebei region through one-stop quotation services In 2025, the Bank created one of the first batches in the country and the first in the Beijing-Tianjin-Hebei region of a sci-tech innovation bond basket — the “China Bohai Bank - CITIC Securities - Beijing-Tianjin-Hebei Enterprise Sci-Tech Innovation Bond Joint Quote Basket” Based on the unique locational advantages and development needs of the Beijing-Tianjin-Hebei region, this basket provided specialized and refined liquidity support for entities and bonds in the sci-tech innovation sector of the regionLeveraging its headquarters advantage and relying on Tianjin’s resource endowment, the Bank focused on 12 key industrial chains and deeply cultivated financial services in key areas First, centering on the “one body with two wings and multiple points” planning of Tiankai Park, the Bank continuously increased efforts to provide special services It jointly released Version 20 technology finance products with Tiankai Development Group, cumulatively granting credit exceeding RMB130 million to enterprises in Tiankai Park and providing financial support to over 30 technology innovation enterprises The Tianjin Branch cooperated with Binhai New Area to create the “Point E-Loan,” quantifying enterprise innovation achievements into credit indicators Combined with localized credit extension and full-process digital operation, it built a bridge of technology-finance integration and mutual trust for enterprises using specialized and sophisticated technologies to produce novel and unique products in the New Area In 2025, the Bank cumulatively issued loans of RMB21792 billion to technology-based enterprises in Tianjin, an increase of 4683% Meanwhile, the Bank led the issuance of Tianjin’s first sci-tech innovation bond for a state-owned equity investment institution, providing a new model for the construction of Tianjin Municipality’s technology finance ecosystem It implemented Tianjin’s first private equity-based sci-tech innovation bond and underwrote Tianjin’s first park collection-based sci-tech innovation directed asset-backed security, vigorously supporting emerging industries such as semiconductors, general health, intelligent manufacturing, and information technology Second, the Bank participated in the implementation of Tianjin’s first batch of transition finance loans for the chemical industry, taking multiple measures to increase support for the green, low-carbon, and circular economy Third, closely aligning with the development of featured finance and ecosystem construction, the Bank successfully explored a new model for offshore ship lease accounts receivable financing It implemented the first whole-aircraft fixed asset loan for aircraft leasing, as well as leasing factoring business for the online freight sector, 77Society 2025 ESG REPORT OF CHINA BOHAI BANKrealizing a fi nancial service ecosystem covering sea, land, and air domains It precisely launched the fully online “Freight E-Loan” product to meet the high-frequency funding needs of cross-border shipping enterprises, resolving the core diffi culties of centralized freight payments and capital turnover, fi lling the gap of online cross-border shipping fi nancial products in the Tianjin region, and forming a “Bohai Solution” that serves as a reference for the industry Fourth, the Bank deeply cultivated the investment, trading, underwriting, and distribution business of Tianjin local government bonds, catering to the direct fi nancing needs of construction projects in livelihood services, transportation infrastructure, municipal and industrial park infrastructure, agriculture, forestry, and water conservancy, thereby serving the high-quality economic and social developmentThe Beijing Branch established a special working group led by the branch President as the group leader and the relevant Vice Presidents as deputy group leaders to comprehensively coordinate various tasks supporting the coordinated development of the Beijing-Tianjin-Hebei region, plan and formulate policies and measures to support such development, and coordinate the promotion of key projects The branch focused on the core functional positioning of the capital, increased efforts to support green agriculture and modern manufacturing, and actively engaged in new energy, new materials industries, modern services, and cultural and creative industries For example, the branch provided credit support exceeding RMB700 million to Hebei Jingcai (Beijing) Logistics Co, Ltd, a key enterprise facilitating the transport of Hebei vegetables to Beijing, assisting the entry of “Hebei Jingcai” into Beijing and Tianjin In 2025, the branch’s cumulative credit extension in the Beijing-Tianjin-Hebei region exceeded RMB29 billionCASEThe Bank Innovated Ship Financing Models to Open New Space for Shipping Finance ServicesAs a national demonstration zone for leasing innovation, the Tianjin Dongjiang Comprehensive Bonded Zone serves as the frontier for China Bohai Bank to explore leasing fi nance In early 2025, the fi rst dual-fuel container ship purchased by a certain financial leasing company through China Shipbuilding Corporation (Tianjin) Shipbuilding Co, Ltd was delivered and put into operation, forming a complete chain of “manufacturing - leasing - operation” Centering on the enterprise’s fi nancing needs, the Tianjin Branch of the Bank designed a cross-border fi nancing solution for accounts receivable from leasing businesses It collaborated with the Tianjin Branch of China Export & Credit Insurance Corporation to enhance the fi nancing ratio through policy-based insurance while mitigating capital costs, effectively resolving the enterprise’s core demands for “low financing costs and high financing ratios” This innovative model not only revitalized the long-term assets of the fi nancial leasing company but also assisted “Tianjin-made” high-end ship equipment in entering the international market, becoming a typical example of the deep integration of “fi nance + industry”The Bank’s Shipping Finance Center built a professional service system centering on the core areas of Tianjin’s port economy, forming a “targeted” fi nancial service network: It focused on shipping characteristic 782025 ESG REPORT OF CHINA BOHAI BANK Societyindustries such as cold chain logistics, parallel import vehicles, and second-hand car exports to carry out fi nancial innovation; relied on the “four-in-one” cross-border account service system to provide cross-border financial settlement services; pioneered the “Tedahang Cold Chain—Port-City E-Loan” digital product, connecting the scenario ecosystem integrating logistics, capital, and information flows; and implemented Tianjin’s first foreign currency international commercial factoring business relying on the “integration of domestic and foreign currency accounts,” serving over 100 parallel car import enterprises Particularly for the leasing industry, the “golden business card” of the Tianjin Free Trade Zone, the Bank had approved credit lines exceeding RMB10 billion, forming a full-cycle product matrix ranging from leasing of large equipment such as ships and aircraft to fi nancing for small and medium-sized enterprise equipmentFrom the innovative breakthrough of a single ship fi nancing deal, to the service upgrade of the entire shipping fi nance industry chain, and further to the systematic construction of the port fi nance ecosystem, the Bank is steadily advancing on the track of serving the real economy with a dual-wheel drive model of “grassroots practice feeding back into strategy, and top-level design guiding implementation” The Bank outlined the “blueprint” for shipping fi nance to serve the port-industry-city integrated development through “three focuses”: focusing on key regions, the Bank formulated a “one district, one policy” service strategy based on the industrial characteristics of each district in Tianjin to achieve precise services; focusing on key industries, it increased financial support for characteristic industries such as shipping logistics, high-end equipment manufacturing, and cross-border e-commerce, creating a replicable and promotable “Bohai Model”; focusing on key scenarios, it continued to innovate around segmented fi elds such as cold chain warehousing, parallel car import and export, and ship marine engineering, forming a holistic service system of “products + scenarios + ecosystems” By building a “port fi nance ecosystem,” the Bank is committed to enhancing Tianjin’s ability to gather resource elements, allowing financial vitality to irrigate every “capillary” of the port-industry-city integrated development more preciselyThe Bank Co-writes a New Chapter of Development with Tiankai ParkCapitalizing on the second anniversary of the opening of the Tiankai High Education Sci-Tech Innovation Park, the Bank offi cially released the Sci-Tech Financial Service Scheme (Version 20), continuing to nurture this experimental fi eld for the transformation of scientifi c and technological achievements with iteratively upgraded service solutions The version Sci-Tech Financial Service Scheme (Version 20) innovatively establishes a “full life cycle” financial service system, precisely covering the needs of technology innovation enterprises at the seed, start-up, growth, and maturity stages The coverage of Version 20 extends from the core area of Tiankai to “one core with two wings and multiple points” Concurrently, the scorecard evaluation system and credit limits have been optimized to provide more fl exible, diversifi ed, and sustainable fi nancial support, accelerating the growth of enterprises in Tiankai Park79Society 2025 ESG REPORT OF CHINA BOHAI BANKSince the opening of Tiankai Park two years ago, the Bank has deeply embedded its services into the fabric of the Park’s development By establishing a three-dimensional service guarantee system featuring “suffi cient credit limits, fast approval, and favorable costs,” the Bank has extended a total of RMB500 million in credit facilities to Tiankai Group and over 40 enterprises in the Park This has effectively promoted the deep integration of industry, academia, and research, facilitating the construction of a new “technology-industry-fi nance” cycleTo accelerate the transition of scientific research achievements from “laboratories” to “production lines” and unblock financial “bottlenecks,” the Bank established a comprehensive service guarantee system for Tiankai Park: focusing on “suffi cient credit limits,” the Bank allocated an independent credit line for sci-tech innovation for Tiankai Park, with an initial quota of RMB200 million, maximizing the guarantee of fi nancing needs for enterprises in the Park; focusing on “fast” approval, a dedicated green channel was established to ensure all transactions are processed within three working days, addressing the urgent needs of enterprises immediately; focusing on “favorable” costs, the Bank applied preferential fee treatments to all businesses for enterprises in Tiankai Park, exempting fees wherever possible and obligatory to maximize the reduction of corporate burdensAn enterprise engaged in the R&D, production and sales of inorganic micro-nano advanced powder materials was established in Tiankai Park on June 20, 2024 Supported by the Tiankai ecosystem, the enterprise developed rapidly and reached a critical milestone in its production line construction The Bank’s Tiankai Park Sub-branch proactively conducted on-site research and engagement with the enterprise, innovating the “Investment-Loan Linkage” model, and extended a RMB4 million R&D loan to the enterprise Following the capital injection, the enterprise completed equipment procurement, production line setup, and technological breakthroughs within six months This facilitated the enterprise in obtaining core qualifi cation certifi cations, creating a demonstrative effect of “fi nancial resources invigorating sci-tech innovation potential”Tianjin Branch Became One of the First “Haihe Talent” Ecosystem PartnersOn September 12, 2025, the “Haihe Talent” Conference and the Cooperation and Exchange Event for High-Quality Development of Human Resource Services commenced The Organization Department of the CPC Tianjin Municipal Committee and the Tianjin Municipal Human Resources and Social Security Bureau conferred upon the Tianjin Branch of the Bank the fi rst-batch title of “Haihe Talent” Ecosystem Partners At the conference, the branch signed an “Intellectual Property Pledge” fi nancing cooperation agreement with Nika Optics (Tianjin) Co, LtdTalent is Tianjin’s most precious resource The branch deeply engaged with high-level talents in Tianjin 802025 ESG REPORT OF CHINA BOHAI BANK SocietyMunicipality and provided a comprehensive “Talent Loan + Full Life Cycle for Technology Enterprises” scheme, covering the entire life cycle from start-up and growth to public listingIntellectual property represents signifi cant intangible assets The branch designated the support of innovative and entrepreneurial talents and intellectual property fi nancing as a key project Centering on key parks such as Tiankai Park, the branch actively expanded collaboration with the Human Resources and Social Security Bureau and the SME Financing Guarantee Center It established a linkage mechanism, set up special credit limits, and launched “Talent Loan 20” and “Intellectual Property Loan” products These initiatives realized “one-click matching” for patent value fi nancing needs, allowing data to travel more so that talents travel less The branch has cumulatively disbursed RMB100 million in loans through the intellectual property pledge model, making a positive contribution to the construction of the “Haihe Talent” ecosystemII Integrated Development of the Yangtze River DeltaLeveraging its strategic location in the international financial center, the Shanghai Branch of the Bank took the implementation of the “fi ve priorities” as a key lever It deeply integrated services for the high-quality development of the Yangtze River Economic Belt with the integrated development of the Yangtze River Delta Through differentiated fi nancial products, precise resource allocation, and professional service models, the branch injected fi nancial momentum into the development of the regional real economy In the fi eld of inclusive fi nance, the branch increased support for small and micro enterprises and self-employed individuals along the Yangtze River Economic Belt through products such as “Business-Friendly E-Loan” It deepened cooperation with the Shanghai Financing Guarantee Center, expanded inclusive supply chain fi nance businesses, and alleviated fi nancing diffi culties for small and micro enterprises through models such as reverse factoring and letter of credit forfaiting In the fi eld of cross-border fi nance, the branch actively explored cross-border syndicated loan businesses, assisting “going global” enterprises in the Yangtze River Economic Belt to participate in international competition Focusing on domestic leading enterprises with needs for Dim Sum bonds, foreign currency bond investment, cross-border M&A, overseas investment, and global expansion, the branch provided comprehensive fi nancial solutions Through domestic and overseas linkage, the branch facilitated the steady expansion of enterprises into international markets Meanwhile, the branch focused on supporting technology R&D and the transformation of achievements for technology innovation enterprises along the Yangtze River Economic Belt, covering strategic emerging industries such as artificial intelligence, biomedicine, and high-end equipment manufacturing Furthermore, the branch optimized corporate payment and settlement services and promoted the “Mobile Corporate Payment” product, enabling direct payment of corporate funds to merchants, thereby helping regional enterprises reduce operating costs81Society 2025 ESG REPORT OF CHINA BOHAI BANKIn 2025, the Nanjing Branch of the Bank closely aligned with the national strategy for the integrated development of the Yangtze River Delta Taking the “fi ve priorities” as a key lever, the branch precisely allocated credit resources and innovated fi nancial service models to support the development of sci-tech innovation and green industries As of the end of the year, the balance of loans supporting the integrated development of the Yangtze River Delta stood at RMB42075 billion Specifically, RMB400 million was invested in cross-regional industrial cooperation areas covering “Shanghai, Zhejiang, and Anhui,” focusing on scenarios such as the forestry wholesale industry to facilitate cross-regional factor fl ow and industrial linkage; the loan balance for technology-based enterprises reached RMB1143 billion, supporting the development of such enterprises; the green loan balance stood at RMB4647 billion, primarily directed towards infrastructure green upgrading and clean energy, effectively promoting the regional green and low-carbon transition The branch utilized comprehensive fi nancial services to deepen all-around cooperation with AESC, a leading enterprise in the new energy battery industry, and successfully completed the commercial bill discount commitment business under the supply chain on September 28 Through a combination model of “precise credit + innovative products + ecosystem-based services,” the branch deepened cooperation with leading enterprises via supply chain fi nance This drove the collaborative development of upstream and downstream industries, providing solid fi nancial support for the integrated development of the Yangtze River DeltaNanjing Branch Signed a Strategic Cooperation Agreement with AESC822025 ESG REPORT OF CHINA BOHAI BANK SocietyCASEShanghai Branch Supports the Growth of Small and Micro EnterprisesA small and micro construction enterprise in Shanghai serves as an upstream supplier to a large comprehensive engineering construction enterprise in the Yangtze River Delta region, facing issues such as capital occupation by accounts receivable and high pressure on capital turnover Relying on the supply chain scenario of the core enterprise, the Shanghai Branch of the Bank provided accounts receivable fi nancing services to the enterprise Backed by the credit of the core enterprise, the branch simplifi ed the credit approval process and rapidly disbursed loans, effectively alleviating the enterprise’s fi nancial pressure and ensuring the stable operation of the upstream and downstream supply chainsA sci-tech small and micro enterprise in Shanghai, serving as a supporting supplier for the high-end manufacturing industrial chain in the Yangtze River Delta region, faced challenges including a large funding gap for purchasing production plants and heavy pressure on fixed asset investment Leveraging the key cooperation scenario with MAX Science and Technology Park, Shanghai Branch provided inclusive industrial plant mortgage services By integrating collaborative resources across multiple departments and optimizing the approval process, the branch swiftly extended a RMB10 million loan to the enterprise, alleviating the fi nancial pressure for plant acquisition and assisting the enterprise in establishing stable operations within the parkFinancial Empowerment of Semiconductor Enterprises Assists the Upgrade of Sci-Tech Industries in the Yangtze River Economic BeltA certain technology company limited in Shanghai, a technology innovation enterprise in the semiconductor sector of the Yangtze River Economic Belt, has multiple subsidiaries recognized as “high-tech enterprises” and “enterprises using specialized and sophisticated technologies to produce novel and unique products”, serving as a core force for domestic substitution in the regional sci-tech innovation industry Due to high R&D investment and substantial capital turnover needs in the semiconductor industry, the enterprise faced fi nancial pressure during technology iteration and capacity expansionThe Bank precisely aligned with the enterprise’s needs and tailor-made a group comprehensive financial service scheme, granting a comprehensive credit line to the group Innovatively adopting the advanced version of the “Haina Pool” business, the Bank utilized the pledge of existing assets such as bills, certifi cates of deposit, and accounts receivable to revitalize assets and alleviate turnover pressure, providing stable fi nancial support for the enterprise’s R&D investment and raw material procurement83Society 2025 ESG REPORT OF CHINA BOHAI BANKIII Development of the Yangtze River Economic BeltThe Yangtze River Economic Belt is a crucial engine for China’s economic development and a key region for ecological protection The Bank has deeply integrated itself into the overall landscape of the high-quality development of the Yangtze River Economic Belt In 2025, guided by ESG philosophy and focusing on ecological protection, industrial upgrading, and collaborative development of the Yangtze River Economic Belt, the Bank injected financial momentum into regional sustainable development through precise credit extension, innovative financial products, and heartwarming servicesFocusing on key areas such as ecological environmental protection, industrial transformation and upgrading, and infrastructure connectivity in the Yangtze River Economic Belt, the Guiyang Branch of the Bank deepened “government-bank-enterprise” cooperation, optimized credit resource allocation, and innovated green financial products to precisely align with enterprise needs, thereby facilitating industrial transformation and upgrading and high-quality development First, supporting the quality improvement and efficiency enhancement of the manufacturing industry The branch cumulatively extended new credit of RMB905 billion to manufacturing enterprises in Guizhou Province, supporting key regional industries such as lithium batteries, pharmaceutical manufacturing, sauce-flavor liquor manufacturing, fertilizer manufacturing, and phosphorus chemical manufacturing Second, advancing green finance in depth Along the regional green development chain, the branch focused on supporting water infrastructure, wind power facility manufacturing, and pollution prevention and control projects The branch provided a credit facility of RMB900 million to PowerChina Guizhou Engineering and a medium-to-long-term working capital loan of RMB300 million to Guiyang Municipal Water Administration Bureau Third, empowering innovation through technology finance The branch promoted the construction of the “Sci-Tech Innovation Board” in the bond market and effectively implemented the key area of technology finance It formulated precise adaptation schemes and successfully issued the “25 SINOHYDRO Bureau 9 MTN001 (Sci-tech Innovation Bond)”, providing a replicable model for similar enterprises in the province to explore direct financing paths characterized by “long cycles, low costs, and high adaptability” Fourth, assisting in infrastructure construction The branch simultaneously exerted efforts in the transportation sector, participating in bond issuances by entities such as Guizhou Expressway Group, Guizhou Transportation Construction Group, and Guizhou Railway Investment Group totaling over RMB3 billion, and successfully implemented the internal guarantee direct loan business for Guizhou ExpresswayThe Nanchang Branch of the Bank actively implemented the innovation-driven development strategy, closely aligning with the development layout of the Yangtze River Economic Belt It actively integrated into Jiangxi Province’s “1269” Action Plan for Industrial Chain Modernization and Nanchang City’s “8810” Industrial Action Plan, continuously strengthening financial support for the sci-tech innovation sector First, establishing an exclusive product system to provide rapid financing services for national-level “Little Giant” enterprises using specialized and sophisticated technologies to produce novel and unique products Second, vigorously supporting the financing needs of key areas and key enterprises such as infrastructure construction, rural revitalization, water conservancy and transportation, and new energy, fully boosting the high-quality development of the regional economy Specifically, nearly RMB10 billion was invested in the transportation industry, approximately RMB4 billion in water conservancy, environment, and public facilities management, RMB156 billion in urban infrastructure construction, RMB3 billion in the non-ferrous metal industry, RMB18 billion in the healthcare sector, and RMB18 billion in the cultural and tourism industry842025 ESG REPORT OF CHINA BOHAI BANK SocietyCASEChongqing Branch Supports the Construction Project of LNG-Fueled Collection and Distribution Dual-Purpose Vessels Promoting Ecological Protection in the Yangtze River Economic BeltSichuan Xinwangda Shipping Co, Ltd is primarily engaged in ordinary cargo transportation and freight forwarding on the mainstream and tributaries of the Yangtze River In August 2025, the Chongqing Branch of the Bank extended a RMB330 million fi xed asset loan to support the enterprise’s “Standard 130 Type LNG-Fueled Collection and Distribution Dual-Purpose Vessel Construction Project”Upon completion and operation of the 20 10,000-tonne class LNG new energy fuel vessels, the 10-year operational cycle is projected to contribute nearly RMB500 million in net profi t to the enterprise Moreover, the vessels were designed and constructed in accordance with the Specifications for Green Ships on Inland Waterways, adopting pure LNG gas engines; compared with traditional diesel power, carbon dioxide emissions are reduced by 20%, sulfur oxides and nitrogen oxides emissions are reduced by 100%, and annual carbon emission reduction can reach 60 tonnes This is of great significance for advancing the ecological construction of the Yangtze River Economic Belt and the ecological protection of the upper reaches of the Yangtze River85Society 2025 ESG REPORT OF CHINA BOHAI BANKCASESuzhou Branch Supports Benchmark Enterprises in the Field of Intelligent ManufacturingIn 2025, the Suzhou Branch of the Bank focused on core scenarios of intelligent manufacturing, extending its meticulous service reach to various links of the industrial chain and resolving industry pain points through customized precise solutions Based in the forefront of Suzhou’s industrial upgrading and opening-up, the branch centered on three major directions—intelligent cleaning industrial chain collaboration, facilitation of cross-border trade, and empowerment of new economy platforms—to construct a systematic and ecosystem-based service modelAs a benchmark enterprise in the intelligent manufacturing field, Dreame Technology faced development pain points such as large fi nancing gaps and low settlement effi ciency during its technological innovation and market expansion Addressing the core needs of the enterprise, the branch relied on the “Ecosystem Bank” strategic layout to tailor a comprehensive fi nancial solution: through combined measures such as optimizing the credit approval process, innovating the commercial bill discount commitment mechanism, and promoting forfaiting business, the branch effectively reduced the enterprise’s fi nancing costs, shortened the payment collection cycle, and saved considerable fi nancial expenses for the enterpriseIn 2025, the branch extended credit funds totaling RMB33547 billion to relevant enterprises in the Suzhou Section of the Yangtze River Economic Belt, including RMB2264 billion for inclusive small and micro enterprises, RMB5174 billion for manufacturing enterprises, RMB2724 billion for private enterprises, and RMB893 billion for the infrastructure industry IV Construction of the Guangdong-Hong Kong-Macao Greater Bay AreaIn 2025, the Hong Kong Branch of the Bank closely aligned with the green and low-carbon development guidance, based itself on the strategic pivot of the Guangdong-Hong Kong-Macao Greater Bay Area construction, empowered industrial sustainable development with green finance, and gave back to society and people’s livelihood with responsibility It continued to exert efforts in promoting industrial green transformation, building a solid risk defense line, and practicing public welfare missions, achieving collaborative development of economic, social, and ecological benefi ts The branch focused on the green and low-carbon development needs of the Guangdong-Hong Kong-Macao Greater Bay Area, precisely providing green financial services while simultaneously accumulating high-quality customer resources, building a solid fi nancial support for regional green development The branch deepened long-term cooperation with the environmental protection power leader Canvest Environmental Protection Group Company Limited Since establishing 862025 ESG REPORT OF CHINA BOHAI BANK Societythe cooperative relationship in 2022, it has provided full-cycle financial support for harmless waste disposal and resource utilization In 2025, the branch successfully disbursed a total of RMB240 million in syndicated and bilateral loans, specifically used for upgrading environmental protection facilities and optimizing waste-to-energy projects This effectively improved the comprehensive utilization rate of regional domestic waste and energy conversion efficiency, injecting financial momentum into the development of the circular economy The branch deeply engaged with the new energy leading enterprise Sunwoda Group and actively participated in the sustainability-linked syndicated loan project of its wholly-owned subsidiary, HONGKONG XINWEI ELECTRONIC CO, LIMITED, assisting the enterprise in deepening its presence in the new energy field and consolidating achievements in energy conservation, carbon reduction, and zero-carbon park construction The branch continuously deepened close cooperation with the high-quality Singaporean enterprise Royal Golden Eagle (RGE), participating in the HK$115 million green finance-linked syndicated loan for Asia Pacific Resources International Meanwhile, the branch continuously increased the allocation of green bonds and steadily expanded the scale of green financial assets In 2025, the balance of green bond investments reached HK$900 million, building a diversified and high-quality green investment portfolio, further consolidating green financial synergy, and guiding social funds to concentrate on green industriesShenzhen Branch of the Bank strengthened organizational guarantees, increased resource support, promoted product innovation, and deepened technological empowerment, building a comprehensive financial service system that strongly supported technological innovation, industrial upgrading, livelihood improvement, and sustainable development in the Guangdong-Hong Kong-Macao Greater Bay Area, especially in the Shenzhen region The branch fully responded to the Shenzhen Municipal Government’s policy call for “Bond Financing in the Order of RMB100 Billion,” guiding business institutions to vigorously support the underwriting and issuance of corporate bonds, with a bond underwriting scale of RMB157 billion in 2025 The branch designated technology finance as a strategic business In 2025, the balance of technology finance loans increased by 10923% year-on-year; it successfully landed the first batch of sci-tech innovation bonds for private equity investment institutions in the country, building a product system that comprehensively serves new quality productive forces and sustainable development The branch facilitated the approval of Shenzhen Science Park Sub-branch as a third-batch sci-tech sub-branch The loan balance of sci-tech enterprises in this sub-branch accounted for 8851% of corporate loans, making it a benchmark for regional sci-tech innovation servicesV Construction of Hainan Free Trade PortWith the formal implementation of island-wide independent customs operations in the Hainan Free Trade Port, financial opening-up and innovation have encountered historic opportunities The Bank accelerated its strategic layout in Hainan Through multi-dimensional measures such as deepening government-bank cooperation, strengthening the compliance foundation, focusing on industrial finance, and collaborating with core enterprises, the Bank fully integrated into the wave of Free Trade Port construction, dedicated to providing high-quality and comprehensive financial support for the Free Trade Port after the implementation of customs clearance operationsThe Bank comprehensively aligned with the financial needs of the Hainan Free Trade Port, focusing on supporting 87Society 2025 ESG REPORT OF CHINA BOHAI BANKconstruction in Hainan, particularly in Haikou, in areas such as municipal infrastructure, resolution of government implicit debt, supporting financing for special bonds, major industrial projects, and industrial funds The Bank deeply embedded financial services into the development trajectory of key industries, closely engaging with leading industrial clusters of the Free Trade Port such as biomedicine, digital economy, and advanced manufacturing, and proactively reaching the front lines such as Haikou Medicine Valley and Fullsing Internet Industrial Park Leveraging policy dividends such as tax incentives and value-added processing in the Free Trade Port, the Bank was committed to innovating financial service models and designing full-chain customized solutions covering credit support, cross-border settlement, and exchange rate risk management, effectively transforming policy dividends into driving forces for industrial developmentThe Bank signed a headquarters-level strategic cooperation agreement with Hainan Development Holdings Co, Ltd, and reached a consensus on deep cooperation with Hainan State Farms Investment Holdings Group Co, Ltd Relying on its professional capabilities in merger and acquisition finance, syndicated loans, bond underwriting, cross-border finance, and the “CBHB Hedging Solution” risk management brand, the Bank will fully support Hainan Development Holdings in businesses such as airport operations, comprehensive urban development, and duty-free consumption, as well as Hainan State Farms Investment Holdings Group in construction within areas such as reclamation area renewal, modern agriculture, and cross-border trade, jointly exploring innovative paths to serve the Free Trade Port through the “headquarters-to-headquarters” cooperation modelVI High-quality development of the Yellow River BasinEcological protection and high-quality development of the Yellow River Basin is a major strategic deployment made by the CPC Central Committee The optimal allocation of water resources, as a core task, is directly related to ecological security, economic transformation, and people’s well-being in the basin As a key project in the national “14th Five-Year Plan” and an important supplement to the South-to-North Water Diversion Project, the Hanjiang-to-Weihe River Water Diversion Project adopts the cross-basin water diversion mode of “diverting water from the Yangtze River to supplement the Yellow River” to break the bottleneck of water shortage in Shaanxi Province and support the construction of a world-class high-end energy and chemical industry base It is estimated that the project can create direct economic benefits exceeding RMB5 billion annually for the Guanzhong region, driving the development of upstream and downstream industries such as water conservancy construction and building material supply, forming a virtuous cycle of “financial support - engineering construction - industrial upgrading” At the same time, it not only solved the drinking water safety problem for over 14 million people and improved agricultural production conditions along the route through irrigation water supply, but will also provide water resource guarantees for watershed wetland protection and soil and water conservation, promoting the continuous improvement of the ecological environment in the middle reaches of the Yellow River The Xi’an Branch of the Bank provided a credit facility of RMB300 million to safeguard the construction of the projectIn 2025, the Hohhot Branch of the Bank actively implemented the national Outlines for the Plan for Ecological Protection and High-quality Development of the Yellow River Basin and relevant deployments of the Inner Mongolia Autonomous Region Based on the functional positioning of the ecological barrier at the northernly bend of the Yellow River, the branch 882025 ESG REPORT OF CHINA BOHAI BANK Societytook green fi nance as a key lever, focusing on key areas such as ecological protection and economic development, and precisely allocated fi nancial resources, injecting sustained fi nancial momentum into the high-quality development of the Yellow River Basin First, centering on the integrated protection and systematic governance of “mountains, rivers, forests, farmlands, lakes, grasslands, and deserts,” the branch focused on supporting ecological projects such as desertifi cation control, mine ecological restoration, and wetland protection along the Yellow River; second, empowering economic development along the Yellow River, the branch aligned closely with the construction tasks of Inner Mongolia’s “Two Bases,” focusing on the transformation and upgrading of traditional industries and the cultivation of strategic emerging industries, and prioritizing support for advantageous industries along the river such as green energy, modern agriculture, and advanced manufacturing In 2025, the branch’s loan disbursement supporting the Yellow River Basin reached RMB14585 billionCASEThe Hohhot Branch of the Bank Successfully Implemented the First Bond Supporting High-Growth Industries in the Western Development StrategyOn April 15, 2025, the Hohhot Branch of the Bank successfully invested in the 2025 Public Issuance of Science and Technology Innovation Corporate Bonds (High-Growth Industrial Bonds) for Professional Investors by Western Mining Co, Ltd Through bond investment business, the branch actively promoted the deep integration of industrial enterprises with regional development strategies, developed in synergy with the local economy, and leveraged fi nancial innovation to assist the high-quality development of the western regionVII Integrating into the joint construction of the “Belt and Road”In recent years, closely centering on the “dual circulation” national strategy, the Bank has deeply integrated into the joint construction of the “Belt and Road” with practical actions through continuous breakthroughs in the fi eld of cross-border fi nance Leveraging its business advantages in international trade settlement and cross-border fi nancial services, the Bank utilized innovative strengths to deeply cultivate shipping fi nance and new formats of cross-border fi nance, contributing greater strength to fi nancial support for building a new pattern of high-level opening upThe Bank launched the “CBHB Cross-Border Connect” brand, establishing a ten-product system covering cross-border supply chains, cross-border investment and fi nancing, etc, effectively supporting the global layout and industrial upgrading of Chinese-funded enterprises Among them, the cross-border supply chain business, through a domestic and overseas integrated service model, drove the business scale to RMB58 billion, driving the total volume of international business to 89Society 2025 ESG REPORT OF CHINA BOHAI BANKgrow by over 30%, achieving leapfrog development In addition, the Bank successfully obtained the qualifi cation as the fi rst CIPS Direct Participant among incorporated banks in Tianjin Municipality, establishing an effi cient and secure RMB cross-border clearing channel; as the lead underwriter, it successfully underwrote RMB2 billion in Panda Bonds for foreign government agencies for the Emirate of Sharjah, UAE (represented by the Sharjah Finance Department), marking the fi rst entry of a Tianjin legal person fi nancial institution into the sovereign Panda Bond marketCASECreating a New Benchmark for “Tianjin + SCO” Financial CooperationOn October 15, 2025, acting as the lead underwriter, the Bank successfully underwrote RMB2 billion in Panda Bonds for foreign government agencies for the Emirate of Sharjah, UAE (represented by the Sharjah Finance Department) This was the brilliant debut of “SCO Partners” in China’s interbank market following the SCO Tianjin Summit of the Shanghai Cooperation Organization, marking the first breakthrough by Tianjin legal person fi nancial institutions, represented by the Bank, in the sovereign Panda Bond market This marked a solid step forward for Tianjin in expanding the level of fi nancial opening-up, advancing the process of RMB internationalization, and promoting the implementation, taking root, and bearing fruit of the outcomes of the SCO Tianjin SummitThe subscription multiple for this tranche of Panda Bonds for foreign government agencies reached 177 times, with active subscription from domestic and overseas investors The RMB funds raised from this bond issuance will be primarily used for the Emirate of Sharjah’s budget expenditures, infrastructure projects, and other fi elds, advancing the construction of the “Belt and Road” and adding a “Middle East coordinate” to RMB internationalizationThe Bank Obtained Qualification as a Direct Participant in the Cross-Border Interbank Payment SystemIn April 2025, upon examination and approval by Cross-Border Interbank Payment Clearing Co, Ltd, the Bank obtained the qualifi cation as a direct participant in the Cross-Border Interbank Payment System (CIPS), becoming the fi rst locally incorporated bank in Tianjin Municipality to obtain this qualifi cation After accessing the CIPS system as a direct participant, the Bank’s cross-border RMB settlement service coverage became broader, transit fees were lower, and settlement effi ciency was higher This will further enhance the timeliness and security of cross-border fi nancial services, injecting new momentum into the in-depth development of RMB internationalizationGuided by serving national strategies, the Bank precisely aligned with the cross-border financial needs 902025 ESG REPORT OF CHINA BOHAI BANK Societyof real economy enterprises, and the volume of cross-border RMB clearing continued to grow The Bank has established an international business product system framed by the integrated service of “domestic and overseas, local and foreign currencies, investment and commercial banking,” with “CBHB Global Fast Payment,” “CBHB Tariff Ease,” “CBHB Credit Insurance Ease,” and “CBHB Hedging Solution” as the core, forming a comprehensive service capability covering the full life cycle of cross-border fi nanceIn the field of cross-border supply chains, the Bank focused on key industrial ecosystems such as new energy vehicles and high-end equipment manufacturing Upholding the philosophy of “supply chain extension and industrial chain symbiosis,” the Bank innovated customized fi nancial solutions to assist upstream and downstream enterprises in the industrial chain to collaborate effi ciently, promoting the mutual reinforcement of the domestic and international “Dual Circulation”The Bank and Gree Electric Co-create a New Blueprint for the Global Supply ChainIn October 2025, the 5th Global Overseas Distributors Conference of Gree Electric was held, with the Bank participating as the sole invited fi nancial institutionFacing a new round of technological revolution and industrial transformation, the Bank designated supporting the development of new quality productive forces as a core strategy In serving Gree’s global supply chain system, the Bank highlighted its digital advantages, establishing the “CBHB Global Fast Payment” brand to achieve transparent, effi cient, and controllable cross-border fund fl ows; it innovated the “One Account, Hundred Currencies” solution, assisting the enterprise in easily covering cross-border settlements in over 120 currencies with a single master account, signifi cantly enhancing fund operation effi ciency Based on a deep recognition of Gree’s product innovation capabilities, the Bank tailor-made a comprehensive fi nancial service scheme for the enterprise This fi nancial support system, covering full scenarios and full cycles, not only refl ects the urgent need of outstanding manufacturing enterprises for upgraded financial services but also serves as a typical case of fi nancial institutions providing targeted support to key manufacturing enterprises and assisting in the construction of a modern industrial systemThe experience accumulated by the Bank in serving the high-tech industry is continuously transforming into driving forces for boosting industrial upgrading Relying on the Hong Kong Branch and the Free Trade Zone platform, the Bank embedded its mature cross-border financial capabilities into the global industrial chain and supply chain network of “Made in China” For Gree Electric’s overseas distributors, the Bank provided a one-stop service covering accounts, settlement, and fi nancing, and matched diversifi ed fi nancing schemes according to business models, systematically optimizing the fi nancial costs of overseas partners91Society 2025 ESG REPORT OF CHINA BOHAI BANKEmbracing Digital Transformation and Enhancing the Quality and Efficiency of Financial ServicesThe Bank proactively embraced change and reshaped the bank-enterprise relationship, relying on online and intelligent approaches to reinvent the model from “service provider” to “ecosystem co-builder”; adhering to the mission of “fi nance creating value for the people’s better life,” the Bank fi rmly advanced the transformation of retail business, and through refi ned and ecological operations, enhanced the customers’ sense of gain, happiness, and security In 2025, the Bank’s financial service matrix characterized by ecosystem-based, scenario-based, and digital features was continuously optimized and improved, innovative products and services underwent iterative evolution, and service management was continuously strengthened, receiving high praise from a wide range of customersI Optimizing the Service MatrixThe Bank continued to uphold the business philosophy of “Responsible Bohai, Professional Bohai, Refi ned Bohai,” deeply cultivated the “Nine Major Banks,” constructed the “Five Factories,” fi rmly advanced the digital transformation strategy, improved the level of refi ned management, and deepened the application of fi ntech to empower product innovation and process re-engineering In 2025, the Bank’s fi nancial service matrix, featuring online-offl ine integration, service ecosystem upgrades, and distinct innovation characteristics, was further optimized and perfected, providing more precise and effi cient services for corporate and individual customers922025 ESG REPORT OF CHINA BOHAI BANK SocietyCASESuccessful Launch of the New-generation Integrated Funds Business Management SystemIn November 2025, the Bank’s new-generation Integrated Funds Business Management System was successfully launched and put into operation, achieving stable and sound performance As the core system for the Bank’s funds business management, it realized the integrated straight-through processing management of the front, middle, and back offi ces for fi nancial market funds business, marking an important milestone in the implementation of the Bank’s digital transformation strategyComprehensive Upgrade of Business Functions to Build a Full-Link Management SystemFocusing on the full lifecycle and full process of fi nancial market businesses, the new system broke down data barriers across trading management, risk management, clearing management, and accounting management, achieving seamless docking and automated collaboration among various subsystems Business instructions are “entered once, processed throughout, and automatically verified,” significantly improving transaction effi ciency and management levelsIn terms of product management, the new system established a fi ve-level classifi cation for funds business products, constructing a diversified and professional financial market product system It not only fully supported traditional businesses such as fi xed income, foreign exchange, money markets, derivatives, and commodities, but also expanded into new products such as Credit Linked Notes (CLN) and Credit Default Swaps (CDS) Meanwhile, through four-level customer classifi cation and refi ned management of customer information, effi cient linkage between products and customers was achievedRegarding risk management, the new system fully supported the market risk measurement system under the new capital regulations Combined with real-time credit limit management for all categories of business, risk limit monitoring and early warning, and compliance monitoring and early warning, it built an all-time, multi-dimensional risk control system for the middle and back offi ces, realizing dynamic and effi cient management of fi nancial market business risksIn terms of operation management, the new system achieved automatic monitoring and execution of position allocation, full traceability of clearing paths, and transparency of fees Through intelligent matching technology for incoming funds, the processing time for incoming funds was compressed from “hour-level” to “minute-level,” comprehensively enhancing the operational effi ciency of funds business93Society 2025 ESG REPORT OF CHINA BOHAI BANKFoundation Laid by Data Governance and Breakthrough in Full-Stack Information Technology Application Innovation, Setting a New Benchmark for Industry TransformationThe new system deeply promoted the governance of core basic data By systematically organizing information on customers, bonds, and clearing, it completed business data analysis and standardization implementation, thoroughly breaking through “data silos” and establishing a unified, transparent, and traceable data system, laying a high-quality data foundation for subsequent digital applications such as intelligent risk control and precise pricingDriven by full-stack information technology application innovation, the new system achieved full-link localization adaptation from server hardware to operating systems, databases, and middleware It became a model practice for domestic joint-stock commercial banks to take the lead in realizing the overall IT innovation transformation of treasury systems, providing replicable and scalable implementation paths and valuable experience for fi nancial peers to advance IT innovation transformationThe successful launch of the new-generation Integrated Funds Business Management System consolidated the foundation for the digital operation of the Bank’s fi nancial market business, improved the level of refi ned business management, and enhanced business adaptability and risk control capabilities in complex market environments Through this project, the Bank accumulated experience in large-scale project implementation management and cultivated a large number of composite talents possessing both fi nancial business and digital technology capabilities, achieving a deep integration of business and technology and laying a dual support of talent and technology for continuously advancing digital transformation(I) Empowering agile services with technologyThe Bank responded agilely to customer needs and successfully implemented 147 product innovation and system optimization projects In 2025, key projects such as the New Collateral System, “CBHB Treasury,” and Phase II of the New Generation Domestic Letter of Credit System were put into operation, and new products such as “CBHB Digital E-Loan,” “WeChat Pay Score” online consumer loans, online domestic letter of credit forfaiting, and “Tian Jin Cun” were launched Meanwhile, the Bank continuously strengthened account and settlement services, launched the “20-minute Account Opening Service Scheme for New Key High-Quality Corporate Customers,” established a coordination mechanism for account opening in different locations, and formed an account service system featuring “simplicity for small and micro customers, differentiation for high-quality customers, convenience for central enterprise customers, and coordination for off-site customers” It also promoted the multi-currency account system in three branches including Tianjin The Bank implemented a service guarantee scheme for account opening and payment for upstream and downstream enterprises in supply chain finance, promoted the automation of loan disbursement, and optimized the 942025 ESG REPORT OF CHINA BOHAI BANK SocietyNew Generation Bill System for the association of continuation margins, the signing of agreement deposits for margin accounts, and the “Bo Ying Xin” business, satisfying the needs of customers in the supply chain In terms of individual customer service, the Bank launched the third-generation social security card, as well as service items such as debit card number reservation and card replacement with the same number; it also fully implemented the fi scal discount policy for personal consumer loansThe Bank built the “Service at Your Doorstep” doorstep service brand, providing customers with a “zero-distance and heartwarming” fi nancial service experience First, expanding doorstep service scenarios to realize convenient service processes for corporate customers such as “counter + on-site PAD” and “online appointment + online pre-review + online due diligence + quick account opening” The Bank realized on-site processing for corporate account opening, change, and cancellation information collection, corporate online banking activation, and batch card opening, as well as online appointments via WeChat mini-programs for all opening, change, and cancellation scenarios; it customized three on-site card issuance modes for retail customers: “QR code card issuance + pre-fi lled form card issuance + quick card issuance” As of the end of October, 199,200 cards were issued on-site, promoting the inclusiveness, standardization, and normalization of doorstep services Second, innovating service models by promoting the “Cloud Counter” project, actively expanding service scenario applications such as business authorization for community sub-branches, remote video support for doorstep services, and video password reset via mobile banking This realized the linkage and combination of “Cloud Counter” and “Cloud Teller” across branch counters, smart counters, and mobile PADs, further expanding service boundaries Third, promoting desktop lightweight smart devices, utilizing a more fl exible 1+N module assembly method to realize the main functions of smart devices, further enhancing the agility of digital banking servicesCASEThe Bank Innovatively Launched the “CBHB Cloud Counter” ServiceIn February 2025, the Bank innovatively launched the “CBHB Cloud Counter” service Empowered by remote video functions, it achieved the serial combination of “Cloud Counter” and “Cloud Teller” across branch counters, smart counters, and mobile PADs, providing customers with a richer and higher-quality fi nancial service experienceCombination of “Cloud Counter” and Doorstep ServicesThrough PAD devices carried by doorstep service personnel, customers established real-time connections and face-to-face communication with remote video tellers at branches After verifying the customer’s intention, the remote video teller processed relevant businesses for the customer This compensated for the diffi culties non-operational staff or junior operational staff faced in resolving complex business situations during doorstep 95Society 2025 ESG REPORT OF CHINA BOHAI BANKservices, ensuring business compliance while enriching doorstep service scenarios Taking Chengdu Branch as an example, utilizing this combined model, the branch processed businesses such as account downgrade and reopening of Class I accounts for customers on-site, receiving positive feedback from customersConnection between “Cloud Counter” and Smart CountersCustomers could initiate remote video service requests through smart counter devices to conduct business consultations and obtain operational guidance support Meanwhile, the “Cloud Counter” model supported cross-branch audit and authorization for tellers, resolving the issue of limited business processing capabilities in community banks Tianjin Branch successfully implemented this application in community banks, enhancing the business acceptance capability of the outlets(II) Re-engineering the corporate service modelThe Bank re-engineered its corporate service model, focusing on building a favorable ecosystem of symbiosis and co-prosperity with enterprises The Bank advanced the “one enterprise, one policy” in-depth service Aiming at core enterprises such as listed companies and central enterprises, the Bank strove to become a “strategic partner” led by high-level engagement and providing full-cycle comprehensive solutions The aim was to build a long-term win-win pattern through list-based service management and differentiated product portfolios, accompanying enterprises through economic cyclesThe Bank’s product innovation shifted from a “Supply Center” to a “Value Creation Center” Accelerating the scenario-based iteration of products such as “Financing Ease,” the Bank deeply cultivated 15 major industries including automotive and IDC to construct standardized solutions Financial products were deeply embedded into the specifi c processes and pain points of industries, becoming tools for enterprises to optimize operational effi ciencyThe Bank deeply cultivated the online and intelligent transformation of services A series of measures, including the full-process online handling of domestic and foreign currency deposits, online application and disbursement of corporate loans, and the upgrade of supply chain fi nance mini-programs, directly addressed the effi ciency pain points of traditional corporate banking business Particularly focusing on system direct connection for automakers, one-stop account visibility on the global treasury platform, and effi cient operation of free trade businesses, the Bank was integrating itself into the chains of enterprise globalization and digital operation through technological means, becoming the infrastructure for enterprises to enhance management effi ciency962025 ESG REPORT OF CHINA BOHAI BANK SocietyCASE“CBHB Treasury” Won the 2025 “Sinan Award”In September 2025, at the 2nd China Treasury Annual Conference and the award ceremony of the “Sinan Award” for China Treasury Construction Benchmark Enterprise Award, the Bank’s “CBHB Treasury” service system won the “Excellent Bank for China Treasury Construction” award, which holds industry benchmark significance, due to its outstanding performance in product design concepts, technological application innovation, and service practice effects This award is not only a full affirmation by the industry of the advanced nature and practicality of the “CBHB Treasury” service system but also a high recognition of the Bank’s ability to deeply cultivate digital fi nance and precisely serve the real economyIn February 2025, closely following market trends and relying on advantages in fintech and years of experience in serving corporate customers, the Bank pioneered the launch of the “CBHB Treasury” service system in Tianjin Based on the “11+4” functional requirements proposed by the State-owned Assets Supervision and Administration Commission of Tianjin Municipality, it meticulously constructed a new platform with seven intelligent brain centers, equipped with intelligent process services, decision analysis, auxiliary management, and financial services to comprehensively meet the needs of enterprises for full-function treasury management Through the intelligent visualization system, the system makes enterprise assets “visible” through precise insight; through free allocation across accounts and projects, it realizes treasury management strategies to make funds “movable”; relying on a sound risk control system and compliance management system, it assists enterprises in mastering overall control to make operations “manageable”; and by integrating Bohai’s characteristic financial service solutions, it promotes steady fi nancial asset handling to make assets “usable”Meanwhile, through interconnection with enterprise internal systems, “CBHB Treasury” focuses on the “Smart Enjoy Edition,” “Premium Enjoy Edition,” and “Financial Express” as main lines, providing differentiated and customized one-stop fi nancial service schemes for enterprises of different industries and scalesSince the launch of the system, centering on the treasury management needs of corporate customers and deeply integrating cutting-edge technologies such as big data and artifi cial intelligence, it has successfully built a comprehensive service system integrating fund management, investment and financing services, intelligent scheduling, risk prevention and control, and data analysis This product has successfully served dozens of enterprise groups and hundreds of member units, including numerous large and medium-sized state-owned enterprises, private enterprises, and listed companies It covers industries such as new energy, healthcare, investment operations, commerce and trade, cultural tourism, transportation, and public utilities The coverage rate for state-owned enterprises in Tianjin has reached 34%, assisting enterprises in signifi cantly improving fund operation effi ciency, optimizing resource allocation, and effectively reducing fi nancial costs97Society 2025 ESG REPORT OF CHINA BOHAI BANKCASEThe Bank Innovated Supply Chain Financial Service ModelsThe industrial chain and supply chain are the bones and muscles of the manufacturing industry, while fi nance is the blood of the real economy In recent years, the Bank has focused on its main responsibilities and businesses, anchored the direction of business transformation, and formulated development plans for the Industry Bank, Transaction Bank, and Light-asset Bank in corporate banking business The Bank resolutely implemented the business philosophy of “no transaction without a scenario, no fi nance without a transaction,” embedding supply chain fi nancial services into corporate operating scenarios to meet the needs of new formats, new models, and new growth in the real economyUsing the“Chain”as a Medium to Clear Bottlenecks in Corporate FinancingAs an innovative practitioner of supply chain fi nancial services, the Bank dared to pioneer trials, continuously enhancing the convenience and fl exibility of corporate fi nancingIn Tianjin, targeting core enterprises and their chain-affi liated enterprises in a certain industrial park, the Bank collaborated with partners to build the supply chain fi nancial service platform “Wuyou E-Chain,” pioneering a layered supply chain service system model and embedding different fi nancial services into the entire industrial chain transaction chain Accounts receivable generated during enterprise transactions can be converted into multi-level circulating electronic vouchers for accounts receivable Chain-affi liated enterprises can perform a series of operations such as fi nancing, transfer, and holding to maturity based on the platform, obtaining rapid and secure supply chain fi nancial servicesIn Shanghai, after using the “CBHB Haina Pool” service, a leading enterprise in the new economy industry exclaimed: “China Bohai Bank supported us in pooling various assets such as bank acceptance bills, commercial acceptance bills, accounts receivable, and certifi cates of deposit to form credit limits, and fl exibly re-issuing bills and domestic letters of credit as payment and settlement tools The fully online service model, while optimizing fi nancial costs, signifi cantly improved our liquidity management capabilities, providing timely support for the business expansion and fund liquidity management of our subsidiaries at all levels across the country China Bohai Bank is a warm and good fi nancial partner”“Innovation” Driving New Momentum, Co-building a New Supply Chain Finance EcosystemSupply chain finance is an important instrument for serving the real economy and supporting small and medium-sized enterprises Based on a profound understanding of enterprise needs, the Bank continuously innovated supply chain products, explored and perfected financing service models that conform to the characteristics of different enterprise entities, resolved issues in the deep integration of the industrial chain, 982025 ESG REPORT OF CHINA BOHAI BANK Societysupply chain, logistics chain, and value chain, and assisted in stabilizing and solidifying chains with diversifi ed fi nancial servicesCentering on high-frequency transaction scenarios such as customer orders, stock preparation, distribution, and payment collection, the Bank took the “Boyin e-Chain” product system as the core, designed and released the “Yi Bao Tong” product line including “Financing Ease,” “Ling Dong Bao,” and “Jie Suan Tong” It governs twelve major core product matrices such as “Corporate Account Overdraft” and “Haina Pool,” forming a fi nancial service system relying on the “1+3+N” co-built open platform, including innovative products such as the new-generation domestic letter of credit, new-generation bill, new-generation factoring, CBHB Haina Pool, and CBHB Corporate Account OverdraftGuided by industries, the Bank pioneered the “Customer Factory + Product Factory” dual-drive service model in the fi eld of supply chain fi nance, cumulatively realizing the output of personalized combination schemes for 14 mainstream industries and over 90 total strategic customers It completed a comprehensive upgrade from “self-built service platform” to “co-built open platform,” from “bank-enterprise direct connection” to “treasury construction,” from “single product service” to “batch combination schemes,” and from “contract thinking” to “system thinking” At the customer service level, the Bank comprehensively promoted the “three-step” working method: namely, based on an in-depth analysis of the production processes and production flows of the enterprise’s core products, as well as upstream procurement modes and downstream product sales modes, reasonably designing financing structures centering on the production operations and fund arrangements of the enterprise supply chain; combining financial statements and accounting subjects, and differentially customizing and combining financial products on the basis of stratifying chain-affiliated enterprises, truly addressing the urgent needs of customers, and transforming from financing design to an operational consultant and treasury steward by the side of the enterprise supply chain99Society 2025 ESG REPORT OF CHINA BOHAI BANKCASETechnology Empowers Process Re-engineering, Further Upgrading Corporate Account Opening Effi ciencyIn July 2025, a renowned second-hand vehicle operation platform successfully completed account openings for 11 merchant enterprises through the Bank’s innovative quick account opening service scheme A relevant person in charge of the platform stated, “Merchants settling on our platform generally have characteristics such as urgent account opening needs and widely distributed business locations Previously, opening an account required several trips to the bank Now, China Bohai Bank provides doorstep services with mobile portable PADs, getting it done in just 20 minutes It is truly convenient!”In recent years, the Bank has continuously carried out the re-engineering and optimization of account opening business processes, implementing multiple process innovations and system optimization functions From the customer’s perspective, the Bank successively launched functions such as multi-channel account opening appointments, online due diligence via “Bohai on the Palm,” doorstep services using mobile portable PADs, and “CBHB Cloud Counter” remote banking The Bank introduced external industrial and commercial big data and electronic business license information throughout the process, launching a three-dimensional and customized account service system featuring simplified procedures for small and micro enterprises, differentiated services for key high-quality customers, and convenient services for central enterprise customersThrough mobile fi nancial terminals and digital means, the Bank optimized and reorganized multiple links in the traditional account opening process By distinguishing service scenarios and pre-positioning account opening reviews while post-positioning certain system operations, the Bank achieved a “submit and leave” experience for customers The quick account opening service scheme realized standardized operations for online appointment, online due diligence, and online pre-review It completed the pre-counter preparation work for key high-quality customers in advance, signifi cantly shortening the customers’ counter processing timeThe quick account opening service scheme has been implemented in outlets across Shenzhen, Tianjin, Suzhou, Shijiazhuang, Qingdao, and other locations, creating a positive demonstration and driving effect In Shenzhen, addressing the characteristics of a unicorn group enterprise, such as the large volume of account openings and distant location, the Bank utilized mobile portable PADs for doorstep service It successfully opened 12 accounts for multiple clients under the enterprise in a single visit The overall process was convenient and effi cient, winning high praise from the customer1002025 ESG REPORT OF CHINA BOHAI BANK Society(III) Promoting the light-asset transformation of retail businessServing the real economy applies not only to enterprises but also ultimately focuses on the terminal market of people’s livelihood consumption and wealth management Against the backdrop of China constructing a new pattern of “dual circulation,” the massive domestic demand market serves as the ultimate support for the real economy Through a series of forward-looking judgments and determined measures to break the deadlock, the Bank’s retail business rose against the trend and achieved a light-asset transformationCentering on the customer, the Bank constructed a value closed loop transitioning from “traffi c” to “retention” and then to “increment” The Bank promoted a mindset shift from “passive waiting” to “active outreach” Using a “project-based” model to explore scenario-based fi nancial services, and through refi ned and ecological operations, the Bank more effectively connected social wealth with the needs of the real economy This activated consumption potential, assisted residents in preserving and increasing their wealth, and consolidated the micro-foundation of the domestic economic cycleCASEChengdu Branch Launches Thematic Activity on Optimizing Payment ServicesThe Bank put into practice the original aspiration of “Payment for the People” with concrete actions, proactively taking initiatives and formulating work implementation plans tailored to local conditions Through measures such as optimizing payment processes, innovating service models, and strengthening technical support, the Bank provided every customer with more efficient, convenient, and high-quality payment services, allowing fi ntech to benefi t a broader populationIn March 2025, the Chengdu Branch of the Bank held a unique theme activity titled “Convenient Payment, Worry-free Travel” near the Jinsha Site Museum, a national 4A-level tourist attraction The event aimed to provide a more convenient and secure payment experience, assist in clearing payment bottlenecks, and enhance the convenience of tourism consumption At the event, the Bank’s staff distributed multi-language payment service guides to visitors and explained in detail multi-channel payment methods such as cash withdrawal with foreign cards, mobile payment, bank card consumption, and mobile banking, popularizing various financial payment policies of China Targeting groups such as the elderly and foreign nationals visiting China who were unfamiliar with emerging payment methods, the staff patiently and meticulously explained and demonstrated the process, from downloading the mobile APP to binding bank cards to complete payments This ensured that every tourist could easily master payment skills and enjoy the convenience brought by smart fi nanceA foreign tourist remarked: “The service at China Bohai Bank is very considerate The staff explained the operation process of mobile payment to me in fl uent English Now I can use mobile payment as easily as a local!”101Society 2025 ESG REPORT OF CHINA BOHAI BANKII Strengthening Service ManagementConsolidating service standards and management requirements for business outletsThe Bank continuously improved service standards and management requirements for business outlets In 2025, it further intensifi ed management efforts, promoting all branches to strictly implement regulations such as the China Bohai Bank Business Network Basic Service Standards, the Basic Requirements of China Bohai Bank Tier-one Branch Service Management, and the China Bohai Bank Business Network Item Placement Specifi cationsEff ectively conducting service training and dissemination for business outletsThe Bank incorporated business outlet service training into the special training category requiring continuous implementation, organizing all branches to formulate annual comprehensive training plans According to the actual needs of the branches and the logical sequence of training content, training schemes were broken down quarterly and monthly, improving training quality, effi ciency, and foresight while enhancing the training conversion rate On the basis of transmitting service concepts, cultivating service awareness, and improving standardization levels, the Bank focused on helping grassroots management personnel and frontline staff resolve questions regarding “what to do,” “why to do it,” and “how to do it well” Throughout the year, branches cumulatively conducted 180 service training sessions with over 12,000 participants, and held 58 service examinations with over 6,000 participants, achieving a 100% pass rate The Head Offi ce conducted online live supervision for 20 service training sessions across 20 branches, issued seven supervision bulletins, performed off-site inspections of service training archives for 13 branches, and issued seven inspection working papers1022025 ESG REPORT OF CHINA BOHAI BANK SocietyImproving the quality of service supervision and inspection at business outletsThe Bank established a “normalized, systematic, multi-level, and multi-dimensional” service inspection mechanism, deepening the “Six Combinations” and “Four Integrations” for service supervision and inspection at business outlets Specifi cally, this involved combining internal and external inspections, Head Offi ce inspections and cross-branch mutual inspections, routine inspections and special inspections, on-site inspections and off-site inspections, open inspections and mystery shopper inspections, and standard execution inspections with execution standard optimization It also integrated service management team building, service training dissemination, service evaluation and benchmark creation, and the promotion and exchange of advanced experiences into daily service supervision and inspection work Throughout the year, the Head Offi ce and branches cumulatively inspected business outlets 4,606 times, achieving an outlet coverage rate of 1,225%, and identifi ed over 12,000 issues The Head Offi ce directly organized service video inspections for nearly 100 business outlets, achieving a 300% coverage rate for Tier-1 branches, and tracked the self-inspection status of each branch throughout the process, issuing six inspection circularsOptimizing the service management assessment and evaluation systemBased on a conscientious summary of the 2024 service management assessment, and combining it with the weak links in branch service management and shortcomings in business outlet services, the Bank refi ned assessment indicators and adjusted score allocation It formed a service management assessment indicator system composed of three major modules, 138 indicators, and bonus/deduction items The Bank intensified assessment scoring and strengthened the application of assessment results It incorporated service management assessment into the KPIs of the retail sector branches and consumer rights protection assessments, conducted process notifi cations based on assessment items, performed overall annual assessment rankings, and provided key assistance and supervision to underperforming branches, promoting grassroots outlets to tangibly improve customer service levelsThe Bank organized and launched the 2025 “Customer Satisfaction at Bohai” service enhancement theme activity With the goal of “Listening to Customer Voices and Improving Service Experience,” it conducted a customer service satisfaction survey at business outlets, collecting 37,521 valid questionnaires, with an overall customer service satisfaction rate of 968% With the goal of “Establishing Advanced Models and Driving Overall Improvement,” it excavated, summarized, and publicized excellent cases in daily customer service, conducted internal sharing, and enriched service solutions With the goal of “Creating Benchmark Outlets and Establishing a Service Brand,” it organized frontline employees from business outlets to visit past national “Top 100” and “Top 1,000” civilized and standardized service demonstration units for study, exchange, and service experience, seeking gaps, identifying advantages, and promoting improvements to actively carry out service improvement work103Society 2025 ESG REPORT OF CHINA BOHAI BANKUpholding the Philosophy of Serving the People and Effectively Protecting Consumer Rights and InterestsThe Bank profoundly grasped the political and people-oriented nature of fi nancial work, fi rmly established the philosophy of “maintaining the original aspiration of fi nancial services and demonstrating responsibility through consumer protection for the people,” and comprehensively built a “Big Consumer Protection” pattern It persisted in integrating consumer protection elements throughout the entire process, ensuring all staff assume consumer protection responsibilities, strictly executing the “three appropriateness” requirements for fi nancial products, sales channels, and target customers, strengthening full-process risk prevention and control, continuously deepening the application of digital services, and enhancing consumer rights protection capabilities and levels in all aspectsIn 2025, the Bank accepted and handled a total of 24,957 consumer complaints (deduplicated count across all channels), including 24,333 individual complaints and 624 corporate complaints, with a 100% complaint resolution rate within 15 days Individual complaints of the Bank were mainly concentrated in personal loans and credit card businesses, with 10,729 and 8,286 cases respectively, accounting for 4409% and 3405% respectively, totaling 7814% These were mainly distributed across fi ve regions: Tianjin (including consumer complaints related to the Head Offi ce), Shanghai, Guangdong, Hebei and Jiangsu, accounting for 6691%, 591%, 510%, 297% and 253% respectivelyI Construction of the “Big Consumer Protection” FrameworkStrengthening strategic guidanceWith a top-down approach, the Bank integrated Party building into consumer protection leadership, embedded consumer protection into corporate governance and corporate culture, and established discipline inspection as the supervisory foundation for consumer protection Key leaders personally involved themselves, taking the lead in grasping and 1042025 ESG REPORT OF CHINA BOHAI BANK Societyadvocating for consumer protection The Secretary of the Party Committee and Chairman of the Board, and the President of the Head Office emphasized the importance of consumer protection work multiple times at bank-wide meetings, proposing specific work requirements for key areas such as the rectification of issues identified in regulatory evaluations and complaint handling managementComprehensively embracing consumer protection cultureThe Bank formulated the Guiding Opinions on the Construction of Consumer Protection Culture of China Bohai Bank, clarifying that the consumer protection culture system consists of three parts: cultural concepts, visual identity, and employee behavioral culture It established “maintaining the original aspiration of financial services, demonstrating responsibility through consumer protection for the people” as the consumer protection cultural slogan; aiming to satisfy the people’s needs for a better life, the Bank comprehensively integrated consumer protection cultural concepts into business management, institutional development, business processes, ideological education, job training, inspection and supervision, and brand communication The Bank organized and conducted over 1,100 consumer rights protection training sessions, training more than 130,000 employees cumulatively, effectively enhancing employees’ awareness and capabilities regarding consumer rights protectionConsolidating the institutional foundationFocusing on the implementation of new regulatory rules and internal management needs, the Bank precisely targeted the “establishment, revision, and abolition” of consumer protection systems It formulated and revised 16 consumer protection internal control management systems, including the Measures for the Management of Product Suitability of China Bohai Bank, the Consumer Rights Protection Management Measures of China Bohai Bank Co, Ltd, the Customer Personal Financial Information Protection Management Measures of China Bohai Bank, and the Guidelines for Diversified Settlement of Financial Disputes of China Bohai Bank It strictly implemented the internalization of external regulations, enhancing the pertinence and effectiveness of various systems; it formulated and revised 96 consumer protection-related systems, bringing the total number of systems related to consumer protection work in the Bank to 394, effectively erecting the “four beams and eight pillars” for consumer protection workStrengthening full-process controlThe Bank continuously improved and strictly implemented the consumer protection review mechanism It formulated and issued the Key Points for Consumer Protection Review of China Bohai Bank (2025 Edition) and the Notice on Further Improving the Quality and Efficiency of Consumer Protection Review in Suitability Management, Marketing and Publicity, and Other Fields, clarifying consumer protection review requirements for key products, businesses, and links, and continuously enhancing the authority and independence of consumer protection reviews The Bank comprehensively utilized methods such as on-site, off-site, and flight inspections to conduct consumer rights protection inspections at the Head Office and branches The Bank analyzed consumer protection regulatory penalties in the industry and new regulatory rules, strengthening risk early warning105Society 2025 ESG REPORT OF CHINA BOHAI BANKConducting special audits for consumer protectionThe Bank established a regularized internal audit mechanism for consumer rights protection In 2025, it conducted consumer rights protection audits, focusing on aspects such as the construction of the consumer rights protection work system, marketing and publicity of products and services, suitability management, sales behavior management, and personal information protection It conducted audit supervision on the performance of consumer rights protection duties, promoting the Head Offi ce and branches to improve the quality and effi ciency of consumer rights protection workII Customer Privacy and Personal Information SecurityOptimizing system constructionThe Bank revised and formed special systems such as the Customer Personal Financial Information Protection Management Measures of China Bohai Bank, the Management Rules on Data Protection for Children Customers of China Bohai Bank, and the Emergency Plan for Customer Personal Information Protection Incidents of China Bohai Bank It also issued the Risk Alert on Further Strengthening Personal Information Protection Matters in Various Fields, further standardizing the internal management system and division of responsibilities, and refining the requirements for each management link of customer personal information protection by aligning with regulatory regulations, providing institutional support for safeguarding customers’ information security rightsStrengthening inspection and supervisionThe Bank organized and conducted special investigations on potential safety hazards regarding consumer personal information protection across the Bank every half year, and incorporated personal information protection into the key points of special inspections for consumer rights protection at 11 branches; in accordance with relevant laws and regulations, it timely formulated the Summary of Key Points for Personal Information Protection in Banking Financial Institutions, synchronously incorporating them into investigation key points; it incorporated personal information protection into the key points of annual audit projects, using inspections as training to promote the effective implementation of personal information protection work in institutions at all levels of the Head Offi ce and branches1062025 ESG REPORT OF CHINA BOHAI BANK SocietyIII Consumer Complaint Management The Bank continuously promoted the transformation of complaint management from “post-event handling” to “pre-event prevention,” signifi cantly improving the quality and effi ciency of complaint handlingSoundness of the complaint management mechanismFirst, a system framework featuring “1 general consumer protection regulation + 1 basic complaint regulation + N complaint handling related regulations” was established Through an institutionalized and standardized complaint handling mechanism, refi ned full-process control was achieved over consumer complaints ranging from acceptance, assignment, investigation, and handling to feedback, return visit, archiving, and rectification, forming an end-to-end closed-loop management from problem discovery to source tracing rectifi cation Second, an emergency joint response mechanism was established Aiming at potential major consumer complaint incidents, a multi-departmental collaborative and rapid response emergency joint disposal mechanism was built to timely and effectively conduct rapid disposal of individual complaints with potential escalation risks Third, special training was conducted centering on complaint hotspots, vividly explaining key links in complaint handling and communication skills This cumulatively trained over 4,000 person-times, enhancing the complaint handling capabilities of frontline employees and customer service personnelStrengthening normalized monitoringThrough the Bank’s consumer protection information sharing platform, the fi nancial dispute resolution and consumer complaint case database was continuously enriched, and a normalized cross-departmental information sharing mechanism was established First, by actively establishing a data statistical analysis mechanism of “daily monitoring, weekly summary, monthly analysis, and quarterly briefi ng,” complaint analysis and monitoring were transformed into support for source governance Regulatory policy dynamics, work requirements and alerts, experience sharing, and typical cases were released in a timely manner to promote targeted process improvements in business departments Second, 10 issues of Complaint Handling Fact Sheet were printed and distributed, integrating 86 complaint handling related tips, promoting information sharing and collaborative cooperation, improving work effi ciency, and enhancing the predictive capability for fi nancial disputes and collaborative disposal effi ciencyStrengthening source tracing rectifi cationA virtuous cycle mechanism of “source tracing analysis—rectification implementation—training improvement—effect evaluation” was constructed First, a full-process, closed-loop source tracing rectification ledger management system was systematically established, detailing the basic information, problem type, root cause analysis, rectifi cation measures, responsible persons, and rectifi cation deadlines for each complaint, and continuously tracking rectifi cation effectiveness to ensure problems were thoroughly resolved Second, regarding high-frequency complaint areas and key 107Society 2025 ESG REPORT OF CHINA BOHAI BANKregulatory concerns such as internet loans, collections, early repayment, appropriateness management, and marketing publicity, risk alerts and source tracing rectifi cation suggestions were issued 19 times via email and the OA system to provide timely warnings and urge business departments to improve processes and prevent risks Third, a coordination consultation and source tracing rectifi cation mechanism was established Regular meetings of the Consumer Rights Protection Working Committee, complaint joint meetings, and other special meetings on consumer protection work were held to build a normalized communication and consultation mechanism, effectively solving over 50 problemsCompilation and printing of case collectionsThe Bank carried out the collection of excellent cases for resolving consumer disputes under the theme of “pragmatic mediation to relieve people’s worries, resolving contradictions to promote harmony” Combined with the most common dispute scenarios in daily fi nancial activities, successful experiences in mediation cases were summarized to form the 2025 Compilation of Diversifi ed Dispute Resolution Case, which was printed and distributed to all outlets nationwide It was also released to the public through the Bank’s offi cial website and the consumer protection zone of its WeChat offi cial account, transforming it into a “Rights Protection Guide” for the vast number of consumers, effectively educating and encouraging consumers to protect their legitimate rights and interests through proper channelsInnovating dispute resolution pathsThe Bank practiced the “Fengqiao Experience” and “Pujiang Experience,” making every effort to strengthen the diversified resolution mechanism for financial consumer disputes In May 2025, Beijing Branch, as one of the first pilot branches, offi cially unveiled the “Beijing Financial Industry Fengqiao Studio” In December, the Bank’s Fengqiao Mediation Workstation was offi cially unveiled at the Hedong District Social Security Comprehensive Governance Center This marked an important step for the Bank in building a diversified financial dispute resolution mechanism and was an innovative measure for the Bank to actively integrate into the social governance system, enhance the resilience of financial services, and earnestly fulfi ll its responsibility for consumer rights protection In 2025, the number of dispute mediations handled by the Bank reached 1,267, approximately 283 times that of the previous year, with a mediation execution rate of 100%; the Bank had a total of 54 part-time mediators1082025 ESG REPORT OF CHINA BOHAI BANK SocietyIV Financial Education Publicity and Delivering Tangible Benefi ts for the PeopleThe Bank vigorously advanced the construction of a full matrix of “online + offl ine” and “concentrated + position-based” education and publicity, focusing on the fi nancial needs of key groups such as “the elderly, the young, and the new,” enhancing the pertinence, inclusiveness, and effectiveness of fi nancial education In 2025, the Bank reached 123 million fi nancial consumers cumulatively through online and offl ine activities and self-owned offi cial channels, 25 times that of the previous yearRegarding centralized education activitiesAccording to regulatory requirements, the Bank organized and carried out centralized education and publicity activities across the bank, such as the “3·15” Financial Consumer Rights Protection Education and Publicity Campaign and the September Financial Education Publicity Month A total of 2,650 online and offl ine education and publicity activities were conducted, reaching 592365 million financial consumers cumulatively, with an employee participation rate of 100%; business outlets actively participated in publicity activities, achieving a 100% outlet coverage rate Central major news units such as CHINAorgcn, NEWScn, PEOPLEcn, CCTVcom, and CEcn, as well as national and local mainstream media, reported over 1,000 times The consumer protection promotional video and the original consumer protection theme MV “Bo Dong Chu Xin, Shou Hu Ru Hai” (Bohai Surge, True Heart: A Guardian as Vast as the Sea) successfully made the top 100 songs in the “Centennial Work ‘Rhyme’, Everlasting Song” 2025 Online Positive Energy Song Collection Activity hosted by the All-China Federation of Trade Unions and the Cyberspace Administration of China, winning the “Heartwarming Song” award109Society 2025 ESG REPORT OF CHINA BOHAI BANKRegarding normalized activitiesThe Bank expanded offline financial education activity scenarios Centering on “Consumer Protection+,” it organized and carried out normalized “Five Entries” themed education and publicity activities Through diverse, multi-level, multi-directional, and multi-scenario fi nancial education activities such as “Consumer Protection + Party Building,” “Consumer Protection + Community,” “Consumer Protection + Public Security,” “Consumer Protection + Exhibition,” and “Consumer Protection + Intangible Cultural Heritage,” the Bank popularized financial knowledge and alerted against financial risks The Bank strengthened the construction of online fi nancial education channels by setting up consumer protection zones on the offi cial website, mobile banking, and WeChat offi cial account, and building the “China Bohai Bank Financial Knowledge Education Platform” It fully utilized multiple channels such as the offi cial website, mobile banking, WeChat offi cial account, WeCom, and remote banking to provide distinctive and targeted fi nancial knowledge to different groupsLaunching the“delivering tangible benefi ts for the people”series of initiativesTaking consumer concerns as the focal point, and combining the characteristics of various cases such as intercepting telecommunications fraud, the Bank extracted keywords such as “credit repair,” “gold investment,” “impersonating public security, procuratorial, and judicial organs,” and “lending bank cards” It issued risk alerts to the vast number of fi nancial consumers and published two issues of the Compilation of Consumer Rights Protection Cases: Delivering Tangible Benefi ts for the People, forming a good demonstration effect1102025 ESG REPORT OF CHINA BOHAI BANK SocietyBuilding a Talent Factory and Fulfilling Comprehensive Employee ResponsibilitiesGuided by the Bank’s “9531” strategic priorities, we have strengthened leadership through Party building and accelerated the development of a talent factory By driving cultural transformation to be reborn through quality, we have deeply integrated our core value system into talent cultivation We foster the values of “integrity, prudence, professionalism, meticulousness, and responsibility,” cultivating an outstanding workforce that is diverse, equal, striving, and progressive, thereby providing fundamental support for high-quality developmentI Equal Employment and Diversifi ed RecruitmentThe Bank strictly complies 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 Rights and Interests of Women, and other relevant laws and regulations We employ staff legally and fully protect their legitimate rights and interestsThe Bank places great emphasis on workforce diversity and equal opportunities for development We strictly adhere to the principle of equal employment and fi rmly oppose any discrimination or restriction in employment based on race, ethnicity, region, religion, gender, or other factors111Society 2025 ESG REPORT OF CHINA BOHAI BANKII Optimization of Remuneration and Incentive MechanismsClosely aligning with our overall strategic objectives for transformation and development, the Bank continuously builds a scientifi c assessment and incentive mechanism, as well as a salary distribution system We adhere to positive incentives, consistently guiding by value creation Following the distribution principle of “position-based pay, performance-based reward,” we strengthen the linkage between performance and compensation We establish and refi ne a market-oriented distribution mechanism where compensation is determined by performance and contribution, continuously motivating employees to enhance their personal capabilities and value contributions In terms of internal distribution management, we ensure that the average wage increase for employees at the Group’s headquarters remains below the average salary increase for all active employees of the Bank Furthermore, the average salary increase for mid-level and senior management positions does not exceed the average salary increase for all active employees of the Bank We strictly implement the state-mandated social insurance and housing provident fund system, and provide additional benefi ts such as enterprise annuities and supplementary medical insuranceIII Promoting Employee Growth and ProgressUsing performance and competency as core criteria, the Bank conducts dynamic tracking and comprehensive evaluations Through a scientific performance mechanism, we stimulate employees’ motivation to strive We refine our position and grade management measures to offer extensive career development opportunities We continuously enhance the relevance and effectiveness of training, empowering employees and building a robust platform for their rapid growth(I) Providing extensive career development opportunitiesThe Bank has formulated the Trial Measures for the Management of the Positions and Grades of Employees of China Bohai Bank to provide employees with extensive career development opportunities and continuously broaden their career development paths(II) Conducting bank-wide comprehensive business trainingAiming to “transform strategic thinking into productive forces,” the Bank continuously strengthens its understanding of the intrinsic logic connecting training with business development and team building We actively leverage training to unify thinking, coordinate cognition, and promote action, striving to contribute training’s share and effect to the Bank’s high-quality development1122025 ESG REPORT OF CHINA BOHAI BANK SocietyThe Bank comprehensively implements “bank-wide comprehensive business training,” focusing on business development goals and closely centering on the implementation of the “9531” strategy We continuously enhance the relevance and effectiveness of training, conducting eight sessions of “Bank-wide Comprehensive Business Training” A total of 3,089 employees participated in centralized training, approximately 34,000 attended online training sessions, and 106 courses were allocated, totaling 232 class hoursFocusing on the “critical few” and the “source of strength,” we implement tiered and categorized empowerment training for cadres and talents Building on the foundation of “course reuse, business empowerment, and employee growth,” we continue to promote learning roadmaps We establish “Grand Forums,” implementing regular training through a combination of online and offline methods, building platforms for expanding business knowledge and sharing practical experience We improve training systems, implement “compliance management,” strengthen course management and platform operations, standardize training management, and refine operational processesIV Actively Promoting Democratic ManagementThe Bank conscientiously implements the democratic management system with the staff representative congress as its basic form Relying on trade union organizations, we encourage employees to participate fully in the Bank’s democratic management Employee representatives at all levels participate in corporate governance in an orderly manner, working together to build harmonious labor relationsIn 2025, the Bank held seven sessions of the Bank-wide Staff Representative Congress (including extraordinary meetings) These sessions reviewed and voted on seven proposals, including the 2024 Performance Report of the Employee Supervisor, the Code of Professional Conduct for Practitioners of China Bohai Bank (2025 Revision)V Protecting the Legitimate Rights and Interests of Female EmployeesProtecting the legitimate rights and interests of female employees is vital to the well-being of millions of families and constitutes an important part of implementing the people-centered development philosophy The Bank strictly complies with the Law on the Protection of Women’s Rights and Interests and other relevant laws and regulations We fully implement protections during the “four periods” (menstruation, pregnancy, childbirth, and breastfeeding), ensuring that the rights and interests of female employees are always maintained and protectedWe safeguard “her rights and interests” to allow “her power” to blossom The Bank fully stimulates the innovative vitality 113Society 2025 ESG REPORT OF CHINA BOHAI BANKof female employees and leverages their irreplaceable role in deepening transformation and development In 2025, the Bank organized and participated in the selection and recommendation of advanced models such as “Tianjin March 8th Red-Banner Pacesetters” and “Model Women in Finance”The Bank organized a series of themed activities for International Women’s Day under the title “Golden Snake Brings Auspiciousness on a New Journey, Bohai Roses Bloom with Splendor” These activities included educational campaigns, viewings of plays and films with revolutionary or contemporary female themes, handicraft making, flower and plant planting, and group yoga practice We also held an International Women’s Day networking event with the Tianjin Women Entrepreneurs Association, themed “Finance Empowering the Development of Private Enterprises and the Growth of Female Entrepreneurs” Additionally, our teams participated in the 44th Tianjin “March 8th” Women’s Fitness Cup Competition and won third place1142025 ESG REPORT OF CHINA BOHAI BANK SocietyVI Supporting Employees’ Healthy and Positive LifestylesThe Bank enriches its multi-tiered old-age pension and medical security systems by further improving enterprise annuity management We issued the Corporate Annuity Plan of China Bohai Bank Co, Ltd (2025 Revision) and the Corporate Annuity Management Committee Charter of China Bohai Bank Co, Ltd (2025 Revision) We enhance the applicability of supplementary medical insurance for employees, increase insurance benefi ts, strengthen protection, and reinforce the employee occupational health and safety systemThe Bank revised the Interim Management Measures for Trade Union Condolences and Assistance, further raising various union condolence standards, activity expenditure scopes, and condolence criteria Trade union organizations at all levels of the Bank actively carry out relief work for employees with serious illnesses and those facing diffi culties They organize condolences for employees working on the front lines during holidays and provide psychological counseling and support for customer service center staff These efforts continuously enhance employees’ sense of happiness, security, and fulfi llment, creating an atmosphere of unity and harmonious labor relationsThe Bank has always supported employees in participating in various cultural and sports activities, cultivating a spirit of enterprise, vitality, and a healthy, positive outlook on life The Bank’s various employee amateur cultural and sports associations continue to organize activities They also jointly organize sports friendly matches with community members and clients in badminton, table tennis, tennis, and air volleyball Cultural social gatherings featuring vocal music, yoga, gardening, and traditional Chinese studies are also held in collaboration with them, encouraging a broader range of people to adopt a healthy and positive modern lifestyle Furthermore, the Bank’s employees formed teams to participate in various events, including the Tianjin Financial System Staff Air Volleyball Competition, the Tianjin Staff Performance Celebrating the Centenary of the Labor Movement, the Tianjin Mass Singing Competition, the Tianjin Financial System Exhibition and Performance Activity Practicing Financial Culture with Chinese Characteristics, and the Tianjin Staff “A Hundred Wonderful Labor Moments” Photography Exhibition115Society 2025 ESG REPORT OF CHINA BOHAI BANKAdvancing Digi ta l Empowerment and Continuously Deepening Procurement PracticesIn 2025, the Bank continued to deepen the green, digital, and compliant management of the entire procurement process, dedicating itself to building a responsible, efficient, and low-environmental-impact supply chain system, achieving synergistic improvements in economic, environmental, and social benefi tsI Digital Empowerment Improves Quality and Efficiency Throughout the Procurement ProcessTo align with the trends of digital and intelligent transformation, the Bank fully built and optimized a series of intelligent procurement technology platforms comprising “Bohai Easy Management,” “Bohai Easy Procurement,” and “Bohai Easy Purchasing” In 2025, the “Bohai Easy Procurement” platform realized online submission and approval of procurement requirements and online organization of review processes, completing the full online integration of certain procurement methods This initiative not only signifi cantly compressed the procurement cycle and reduced labor costs and errors but also realized traceability management across the entire chain of procurement activities, enhancing transparency and effi ciency The “Bohai Easy Purchasing” platform generated over 6,000 orders cumulatively, with a total amount exceeding RMB105 million, effectively expanding support channels for e-commerce and small and micro enterprisesII Multiple Measures to Ensure Procurement Compliance and FairnessThe Bank consistently adhered to the procurement principles of “openness, fairness, and impartiality” and “compliance 1162025 ESG REPORT OF CHINA BOHAI BANK Societyand effi ciency” Regarding procurement organization forms, the Bank adhered to “primarily delegated procurement,” fully leveraging the professionalism of social agency institutions, with the transaction value of delegated procurement for Grade A procurement projects accounting for 100% throughout the year During the review process, the proportion of external review experts in delegated projects was no less than two-thirds, safeguarding the independence and professionalism of the reviews By comprehensively advancing online procurement and persisting in information disclosure, the Bank strengthened supervision over the exercise of power and enhanced the credibility of procurement For the 80 single-batch Grade A procurement projects throughout the year, the total budget was RMB287 million, and the fi nal transaction value was RMB249 million, achieving a savings rate of 1327%III Comprehensive Strengthening of Procurement Risk Management and ControlThe Bank established a full-process risk prevention and control mechanism featuring “pre-prevention, in-process control, and post-supervision” By improving institutional processes and consolidating main responsibilities, the Bank implemented full-process supervision ranging from procurement budget preparation, requirement determination, and plan approval to contract signing and performance acceptance The Bank increased the frequency of inspections and supervision in key areas and critical links, incorporated procurement management into a multi-dimensional supervision system including audit, discipline inspection, and patrol inspection, and built a solid defense line against integrity risks to ensure that procurement activities operate normatively in the sunlight117Society 2025 ESG REPORT OF CHINA BOHAI BANKSafeguarding People’s Livelihood and Actively Engaging in Public Welfare and CharityPublic welfare and charity are important symbols of social civilization and progress, as well as vivid practices for creating a better life and realizing the “Two Centenary Goals” With fi rm ideals and convictions, a sense of responsibility, and full of love and kindness, the Bank carries forward the public welfare genes formed since its inception, continuously providing targeted assistance, supporting education, promoting rural revitalization, and promoting the continuous improvement of the volunteer service system and mechanism, injecting a steady stream of positive energy into social livelihoodI Targeted Assistance in JizhouThe Bank has always thoroughly implemented the spirit of General Secretary Xi Jinping’s important instructions on promoting comprehensive rural revitalization and his important speech spirit during his inspection of Tianjin, earnestly implemented the deployment requirements of the CPC Central Committee, the State Council, and the Tianjin Municipal Party Committee and Tianjin Municipal People’s Government on comprehensively promoting rural revitalization, and attached great importance to supporting economically weak villages Since the launch of the new round of assistance work in October 2024, the Bank has focused on the development difficulties of Guanyi Village, Yuyang Town, Jizhou District, Tianjin Municipality, carrying out support work with targeted efforts, investing RMB16 million in support funds for the village, and, based on the needs of the assistance projects, disbursed the full amount in a lump sum in July 2025Since 2024, in accordance with the work arrangements of the Tianjin Municipal Party Committee and Tianjin Municipal People’s Government, the Bank has actively implemented the 20 indicators of “Five Increases and Five Improvements” for supporting economically weak villages In particular, a series of effective measures were taken regarding effi ciency enhancement in major industries1182025 ESG REPORT OF CHINA BOHAI BANK SocietyStandardizing operational management to increase collective incomeThe Bank’s assistance working group collaborated with the “Two Committees” of the economically weak village to standardize the contracted management system, helping the village collective collect contracted management income in a timely manner In 2025, the village collective’s contracted operating income was approximately RMB170,000, an increase of 30% compared to the same statistical scope in 2024Leveraging own advantages to expand product marketsThe Bank fully leveraged the resource advantages of a national joint-stock commercial bank, with branches in Tianjin, Beijing, Langfang, Shenyang, Qingdao, and others jointly carrying out Jizhou agricultural product consumption assistance activities, promoting agricultural products to a wide range of customers and the public through the “Bohai Assistance Preferred” WeChat offi cial account and the agriculture-assisting column on the mobile banking appEmpowering through diverse measures to increase income and improve effi ciency in assistance The Bank carried out assistance through various channels such as purchasing bottled water for Head Offi ce meetings, setting up special zones for assistance products in internal cafeterias, and the Tianjin Branch jointly developing customers with the Jizhou agricultural product sales team; it also specially organized assistance personnel to conduct online marketing training and planning for Jizhou Green Food Group to enhance agricultural product marketing capabilities As of December 31, 2025, the Bank’s Head Offi ce had cumulatively sold approximately RMB400,000 worth of Jizhou specialty agricultural products and contacted Bohai Industrial Investment Fund Management Co, Ltd to participate in consumption assistance of RMB5,000, which is expected to bring nearly RMB40,000 in profi t-sharing income to the assisted villageImplementing asset investment to boost economic developmentThe Bank strongly supported the economic development decisions of the Yuyang Town Party Committee, providing funds to purchase commercial shops which were then confirmed as assets to the village collective (with confi rmed asset value of RMB1545 million) for operation; the property rental fees collected are expected to increase the village collective’s income by nearly RMB50,000 annually, and helped the village achieve transferred employment of 129 people In 2025, the per capita income of the whole village increased by 56% compared to the previous year, reaching RMB36,423, exceeding the city’s rural average level by RMB1,958119Society 2025 ESG REPORT OF CHINA BOHAI BANKIn 2025, in the work assessment for economically weak villages organized by Jizhou District, all members of the Bank’s assistance working group were rated as “Excellent”II Supporting Education DevelopmentBuilding a leading country in education has been a long-cherished aspiration of the Chinese nation since modern times This is a pioneering task, a solid foundation, and a strategic support for building a great modern socialist country in all respects and advancing the great rejuvenation of the Chinese nation on all fronts through Chinese modernization General Secretary Xi Jinping emphasized that building a leading nation in education is the common responsibility of the whole Party and the entire society in the new era and new journey, requiring all parties to move in the same direction and collaborate effectively to form a powerful synergyIn 2025, the Bank worked hand in hand with renowned higher education institutions in Tianjin and Zhejiang, dedicating itself to the systematic project of building a leading nation in education and injecting public welfare momentum into the high-quality development of education First, the Bank continued to support the “Quality Normal University Enhancement Project,” facilitating the introduction and cultivation of high-end talents, faculty team development, educational and teaching reforms, enhancement of disciplinary research capabilities, improvement and innovation of management services, and expansion of external exchanges and cooperation at Tianjin Normal University The Bank disbursed the second phase of the donation, amounting to RMB10 million, to the Tianjin Normal University Education Development Foundation on schedule Meanwhile, relying on the Tianjin Normal University Sub-branch, the Bank provided high-quality financial services to the teachers and students of the university through innovations in fi nancial products and services, such as the launch of the “Batch Open Bao” savings card and the upgrade of second-generation outbound marketing terminals Second, the Bank actively supported the “Double First-Class” university construction at Zhejiang University, donating RMB43 million to the Zhejiang University Education Foundation for the university’s cultural heritage innovation and discipline construction projects1202025 ESG REPORT OF CHINA BOHAI BANK SocietyII Supporting Education DevelopmentBuilding a leading country in education has been a long-cherished aspiration of the Chinese nation since modern times This is a pioneering task, a solid foundation, and a strategic support for building a great modern socialist country in all respects and advancing the great rejuvenation of the Chinese nation on all fronts through Chinese modernization General Secretary Xi Jinping emphasized that building a leading nation in education is the common responsibility of the whole Party and the entire society in the new era and new journey, requiring all parties to move in the same direction and collaborate effectively to form a powerful synergyIn 2025, the Bank worked hand in hand with renowned higher education institutions in Tianjin and Zhejiang, dedicating itself to the systematic project of building a leading nation in education and injecting public welfare momentum into the high-quality development of education First, the Bank continued to support the “Quality Normal University Enhancement Project,” facilitating the introduction and cultivation of high-end talents, faculty team development, educational and teaching reforms, enhancement of disciplinary research capabilities, improvement and innovation of management services, and expansion of external exchanges and cooperation at Tianjin Normal University The Bank disbursed the second phase of the donation, amounting to RMB10 million, to the Tianjin Normal University Education Development Foundation on schedule Meanwhile, relying on the Tianjin Normal University Sub-branch, the Bank provided high-quality financial services to the teachers and students of the university through innovations in financial products and services, such as the launch of the “Batch Open Bao” savings card and the upgrade of second-generation outbound marketing terminals Second, the Bank actively supported the “Double First-Class” university construction at Zhejiang University, donating RMB43 million to the Zhejiang University Education Foundation for the university’s cultural heritage innovation and discipline construction projectsIII Promoting Rural RevitalizationSince 2019, the Bank has continuously implemented the Tianjin East-West collaboration donation project, supporting paired assistance regions such as Qinghai and Gansu to consolidate the achievements of poverty alleviation and comprehensively promote rural revitalization In 2025, the Bank once again joined hands with the Tianjin Charity Association to donate RMB300,000 to the paired assistance regions for East-West collaboration, which were used for the village-level cultural facility improvement project in Nur Township, Qira County, Xinjiang Uygur Autonomous Region, and the upgrading project of the New Era Civilization Practice Station in Dengke Township, Jiangda CountyAs of the end of 2025, the Bank’s cumulative donations for poverty alleviation and rural revitalization had exceeded RMB30 million121Society 2025 ESG REPORT OF CHINA BOHAI BANKIV Boosting the Cultural Industry“Promoting the synergy of the cultural industry in the Beijing-Tianjin-Hebei region, effectively integrating station, industry, and city, gathering cultural industry resources in the Beijing-Tianjin-Hebei region, and adding new momentum to the high-quality development of the cultural industry in the three regions” is an important part of Tianjin’s implementation of the strategic deployment for the coordinated development of the Beijing-Tianjin-Hebei region In 2025, the Bank donated RMB150,000 to the Seminar on the Development of Cultural Industry in the Beijing-Tianjin-Hebei Region through the Tianjin Golden Haihe Public Service Development Center, ensuring the smooth implementation of the seminarDuring the roadshow for cultural industry projects, the Bank showcased several successful cases of promoting cultural industry development through innovative financial services, such as the “Yileng-Tianyin Cultural Industry Zone” and the “Dazhigu Urban Renewal Project” The Bank also engaged in in-depth discussions with relevant government departments, social organizations, and enterprises from the three regions on empowering the cultural industry with finance, reaching multiple cooperation intentionsV Carrying Out Volunteer ServicesIn the early stages of its establishment, the Bank formed an employee volunteer service team, vigorously advocating the spirit of volunteerism and public welfare As of the end of 2025, the Head Office Volunteer Service Team had 1,620 registered volunteers, an increase of nearly 100 compared to 2024; in 2025, 63 volunteer service activities were carried out, with service hours exceeding 7,000; as of the end of 2025, the Team had conducted over 1,600 activities cumulatively, with cumulative service hours exceeding 28,900, serving more than 40,000 peopleThe Head Office Volunteer Service Team has long been actively participating in community governance, charity, and public welfare activities, continuously carrying out co-construction and sharing activities in Chenghouli Community and 1222025 ESG REPORT OF CHINA BOHAI BANK SocietyXinheyuan Community of Dawangzhuang Subdistrict, Tianjin, where the Head Offi ce is located In practice, a featured volunteer service project named “‘Six Links’ Community: Building a Beautiful Home Together” was formed, featuring joint organizational construction, joint public welfare undertakings, joint management of Party member education, joint creation of spiritual civilization, and joint cultural activities At the same time, the Head Offi ce Volunteer Service Team continuously explored community volunteer needs and successively created personalized service brands such as foreign language translation and consumer protection publicity, continuously carrying out a series of activitiesIn 2025, the Bank’s foreign language volunteer service team actively participated in the SCO Summit and supporting activities such as the “World Mayor Dialogue” and “National Civilization Dialogue” A special volunteer team composed of 60 members provided a full chain of services including conference reception and multilingual interpretation, showcasing Tianjin’s high-quality development to the international community and receiving commendation from the Tianjin Municipal Party Committee and Tianjin Municipal People’s Government Seven foreign language volunteers received the Certifi cate of Active Contribution issued by the Preparatory Committee of the 2025 SCO Tianjin SummitIn 2025, the Head Office Volunteer Service Team was awarded the “Outstanding Contribution Award for the 30th Anniversary of Tianjin Charity” by the Tianjin Charity Association In December 2025, the “Translating the Journey Together” foreign language volunteer service project won the Silver Award in the 2nd Tianjin Volunteer Service Project Competition and was honored as one of the “Top Ten Brand Projects for Serving the People” in the 2025 Tianjin “Serving the People” Brand Project and Window Unit Public Welfare Publicity Campaign The deeds of the Head Offi ce Volunteer Service Team were widely reported by more than 30 media outlets, gaining recognition and affi rmation from all sectors of societyCASE“Yilu Tongxing: Language Volunteer Program” Foreign Language Volunteer ProjectLaunched in 2013, the Bank’s “Translating the Journey Together” foreign language volunteer project currently has 110 team members covering eight languages: English, French, Russian, Japanese, German, Spanish, Korean, and Malay It innovated the service model of “residents placing orders, community dispatching orders, and the bank accepting orders,” deeply cultivating the purpose of “volunteering by the people, practicing by the people, and a better life for the people,” with cumulative service hours exceeding 1,000From the vibrant atmosphere of community “English Classes” to the international style of the SCO Summit, the “Translating the Journey Together” foreign language volunteer service project connects to a larger world with warm actions, using language as a medium and service as a sail to showcase the elegance of volunteer service123Society 2025 ESG REPORT OF CHINA BOHAI BANKCASEHead Offi ce Conducts Employee Unpaid Blood Donation ActivityOn August 22, 2025, during the unpaid blood donation activity organized by the Head Offi ce, 101 employees of the Bank donated a total of 25,600 milliliters of blood Previously, during the Tianjin event celebrating the 22nd World Blood Donor Day in 2025, the Bank was awarded the “Unpaid Blood Donation Merit Plaque” for its long-term support of the unpaid blood donation cause124GovernanceThe Bank further improved its corporate governance structure, corporate governance institutional system and information disclosure mechanisms, enhanced the quality and efficiency of the Board’s performance of duties, and continuously deepened communication and engagement with investors to optimize and enhance its corporate governance capabilities; continuously strengthened the construction of the Board’s ESG management capabilities and constantly improved ESG management policies; established and implemented a comprehensive risk management system for the banking group, practiced a prudent risk culture, and firmly promoted the prevention and resolution of risks to ensure stable asset quality and keep various risks under control; and unswervingly adhered to operation in accordance with laws and regulations, while advancing anti-corruption efforts with greater clarity and determination to bolster high-quality development through high-efficiency governance2025 ESG REPORT OF CHINA BOHAI BANK GovernanceStrengthening Scientific Decision-making to Enhance Corporate Governance CapabilitiesI Further Improving Corporate Governance StructureThe Bank has established a corporate governance structure in line with the requirements of the modern enterprise system, comprising the Shareholders’ general meeting, the Board of Directors and its special committees, the Board of Supervisors and its special committees, and the senior management and its professional committees, and has integrated the Party’s leadership into all aspects of corporate governance The Party organization plays a leading role in directing the overall situation, setting the right direction and ensuring implementation In 2025, in accordance with the Company Law, the Notice on Matters Concerning the Alignment of Corporate Governance Supervision Regulations with the Company Law issued by the National Administration of Financial Regulation, and the requirements under the Implementation Plan for Deepening the Reform of the Supervisory Board of State-owned Enterprises issued by the State-owned Assets Supervision and Administration Commission of Tianjin, the Bank carried out an overall integration of its corporate governance structure, further optimized supervisory resources, improved a collaborative and effi cient supervisory mechanism, and made corresponding amendments to the Articles of Association The Articles of Association of China Bohai Bank Co, Ltd (2025 Revision) became effective upon approval by the regulatory authorities on 19 December 2025 Since then, the Bank no longer establishes a Board of Supervisors, and the Audit and Consumer Rights Protection Committee of the Board of Directors has assumed the duties and powers of the Board of Supervisors in accordance with the law, while the various special committees under the Board of Supervisors were simultaneously abolishedAt the beginning of 2025, the Board of Directors completed the election of its new session in accordance with laws and 127Governance 2025 ESG REPORT OF CHINA BOHAI BANKregulations During the transition period, various business operations developed steadily and management tasks were connected in an orderly manner, achieving a smooth transition of the Bank’s operation and management Throughout the year, the shareholders’ general meeting, the Board of Directors, the Board of Supervisors and their special committees gave full play to their roles in decision-making and supervision, and convened a total of 60 meetings of various types, at which 205 proposals were deliberated and 124 work reports were heard and reviewed with opinions formed, while timely decisions were made on major issues concerning the Bank’s development and the implementation thereof was promotedII Further Improving Corporate Governance Institutional SystemThe Bank established a relatively complete corporate governance institutional system since its inception and has continuously revised and improved it, laying a solid foundation for the legal, compliant and efficient operation of various corporate governance bodies In 2025, the Board of Directors formulated the Bank’s Basic Compliance Management System, the Measures for the Administration of Group Cooperative Institutions, the Interest Rate Risk in the Banking Book Management Policy, and the Measures for the Administration of Performance-based Remuneration Recoupment and Clawback for Senior Management (Trial); and revised the Bank’s Group Risk Appetite Statement, the Comprehensive Risk Management Measures, the Operational Risk Management Policy, the Liquidity Risk Management Policy, the Market Risk Management Policy, the Interest Rate Risk in the Banking Book Management Policy, the Reputational Risk Management Measures, the Stress Testing Management Measures, the Related Party Transactions Management Measures, the Model Risk Management Measures, the Model Validation Management Measures, the Basic Accounting System, the Internal Audit Charter, the Basic Data Management System, the Measures for the Administration of External Equity Investment, the Measures for the Administration of Remuneration of Persons-in-charge of Municipally-managed Enterprises, and the Interim Measures for Recusal of Employees in the Performance of Duties The Audit and Consumer Rights Protection Committee of the Board of Directors formulated the Measures for the Administration of Outsourcing of Internal Audit Activities and revised the Working Rules of the Audit and Consumer Rights Protection Committee of the Board of Directors for the Review of Annual Financial ReportsIn addition, in light of the latest requirements of the Company Law, the Listing Rules of the Hong Kong Stock Exchange and other relevant regulations, the Bank revised its Articles of Association, the Rules of Procedure of the Shareholders’ General Meeting, the Rules of Procedure of the Board of Directors, the Working Rules of the Nomination and Remuneration Committee, and the Measures for the Administration of the Appointment of Directors and Senior Management, providing safeguards and a basis for works such as the reform of the Board of Supervisors and capital replenishment1282025 ESG REPORT OF CHINA BOHAI BANK GovernanceIII Further Improving Information Disclosure MechanismThe Bank persists in taking sound corporate governance as its foundation, continues to standardize its information disclosure work mechanism, and treats its shareholders and stakeholders fairly In 2025, more than 80 information disclosure documents, including periodic reports and various statutory and voluntary ad hoc announcements, were published on the offi cial websites of the Hong Kong Stock Exchange and the Bank The Board of Directors successfully completed the preparation and disclosure of the 2024 Annual Report and the 2025 Interim Report in accordance with industry regulatory requirements and the requirements of the Listing Rules, and has made the 2024 Annual Report available at the Bank’s major business outlets The Audit and Consumer Rights Protection Committee under the Board of Directors and independent Directors of the Bank strictly implemented the Work Procedures for Reviewing Annual Financial Reports By Audit and Consumer Rights Protection Committee of the Board of Directors and the Work Procedures For Reviewing Annual Reports By Independent Directors, and gave full play to their guiding and supervisory roles in the preparation, deliberation and disclosure of the annual reportsIV Communications Between the Shareholders’ General Meeting, the Board of Directors, the Board of Supervisors and the Senior ManagementTimely and smooth information transmission among the general meeting, the Board of Directors, the Board of Supervisors and the senior management is crucial for the various corporate governance bodies to fully perform their duties and improve the effi ciency and standard of their performance In order to ensure timely and effective information communication among the governance bodies and enhance the effi ciency and standard of duty performance, the Bank issued a total of 40 issues of minutes of the President’s Offi ce Meetings, 32 issues of information reports, 76 fi ling reports on ordinary related party transactions and 44 internal audit reports in 2025, providing information support for the scientifi c decision-making of the Board of Directors and its special committees129Governance 2025 ESG REPORT OF CHINA BOHAI BANKRobust Governance Framework: Advancing ESG ManagementThe Bank has established a sound governance framework, continuously strengthened the ESG management capabilities of the Board of Directors, and consistently improved its ESG management policies to advance ESG performanceI Governance StructureThe Board of Directors of the Bank is the highest decision-making body for ESG risk management and assumes ultimate responsibility for ESG risk management It promotes the bank-wide implementation of the “carbon peak and carbon neutrality” targets, deliberates and makes decisions on major ESG-related matters, regularly reviews the progress of ESG-related work, and deliberates on relevant topics such as the annual social responsibility (ESG) report, public welfare and charitable donations, green fi nance work reports, inclusive fi nance business development plans, and consumer rights protection The Board of Directors has established special committees, including the Risk Management and Green Finance Committee, the Audit and Consumer Rights Protection Committee, and the Development Strategy and Inclusive Finance Committee, to review signifi cant issues concerning the fulfi llment of ESG responsibilities—including corporate governance, development strategies, risk management, internal control and compliance, related party transactions, green finance, inclusive finance, social responsibility, and consumer rights protection—and to provide advice and recommendations to the Board of Directors II ESG Management by the Board of DirectorsIn 2025, the Board of Directors of the Bank considered and approved 23 ESG-related resolutions, including the annual ESG (Social Responsibility) Report, the annual review of corporate governance policies, the annual and interim reports, 1302025 ESG REPORT OF CHINA BOHAI BANK Governancethe annual and semi-annual comprehensive risk management reports, the annual green finance work report, the annual and semi-annual consumer rights protection work reports, the annual consumer rights protection assessment report, the report on the implementation of the 2021–2025 consumer rights protection plan and the 2026 work plan, four public welfare and charitable donations, the annual assessment report on shareholders’ qualifications, the annual Group performance appraisal indicators, the revision of the Group Risk Appetite Statement, the revision of the basic data management system, the revision of the Articles of Association, the discontinuation of the Board of Supervisors, and the composition of the special committees of the sixth session of the Board of Directors, among others; it also heard nine ESG-related reports, including the annual special report on related party transactions, the annual inclusive finance business development plan, the annual regulatory evaluation and rectification of consumer rights protection, the annual work report on the management of consumer complaint handling, and the annual and quarterly reports on consumer complaintsAll Directors participated in special training sessions on “Analysis of the Financial Regulatory Situation and Case Analysis and Judgment of Banking Consumer Protection Violations”, “Evolution of Corporate Governance Supervision Models and Governance Experience of Central Enterprises”, “Actively Cultivating and Practicing Financial Culture with Chinese Characteristics”, and “Strengthening Strategic Management and Planning Development”, as well as anti-corruption study on the “Hong Kong’s Competitive Edge – Partnership in Business Ethics” Toolkit on Directors’ Ethics Newly appointed Directors received “Compliance Training for Hong Kong Listed Companies” and the Bank’s anti-money laundering and counter-terrorist financing trainingThe aforementioned 2024 Annual Report and 2025 Interim Report, as considered and approved by the Board of Directors, both featured special sections on “ESG Risk”, and the 2024 Annual Comprehensive Risk Management Report and the 2025 First Half Comprehensive Risk Management Report both included content on “ESG Risk Management”, detailing the Bank’s work measures and results in the field of ESG risk management While reviewing the 2024 Annual Comprehensive Risk Management Report, the Risk Management and Green Finance Committee of the Board of Directors required the Bank to strengthen ESG risk management and effectively respond to climate risks in accordance with the latest regulatory trends Under the guidance and promotion of the Board of Directors, the Bank supports the development of the real economy in key national sectors, actively fulfills its environmental and social responsibilities, and creates social value It has intensified the performance of ESG duties in areas such as green finance, inclusive finance, private enterprises, manufacturing, and rural revitalization, while continuously enhancing its risk management capabilities By striving to build a responsible bank with leading concepts, economic sustainability, and outstanding ESG performance, the Bank has enhanced its ESG governance effectiveness and ESG performanceThe third meeting of the sixth session of the Board of Directors of the Bank considered and approved the “2024 China Bohai Bank ESG (Social Responsibility) Report” on April 29, 2025, which featured further improvements and enhancements compared to the previous year’s report: to align with the definitions of concepts such as ESG and social responsibility by both the Hong Kong Stock Exchange and the State-owned Assets Supervision and Administration Commission of the State Council (SASAC), the original “Social Responsibility Report” was renamed the “ESG (Social Responsibility) Report”; the disclosure on “ESG Management” was further refined in accordance with the mandatory 131Governance 2025 ESG REPORT OF CHINA BOHAI BANKdisclosure requirements in the latest version of the “Environmental, Social and Governance Reporting Guide” of the Hong Kong Stock Exchange; the disclosure contents for “Environmental and Climate Risk Management” and “Green Finance” were enriched to better adapt to the disclosure requirements of the Hong Kong Stock Exchange; and in line with the development of the Hong Kong Stock Exchange’s ESG information disclosure requirements and the implementation plan for the “Sustainability Disclosure Standards for Business Enterprises” issued by the Ministry of Finance, an “IFRS S2 Climate-related Disclosures Index” was added to the “Appendix” sectionIII ESG Management Approach and StrategyThe Board of Directors of the Bank attaches great importance to ESG management It has established the fundamental ESG management policy to adhere to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, and, through continuously strengthening ESG management, to build the Bank into a " modern financial institution with Chinese characteristics that is strongly guided by state policies, featuring a clear strategic positioning, effective corporate governance, improved business quality and efficiency, controllable overall risks and healthy and sustainable development "The Board of Directors of the Bank adopts a systematic process to assess, prioritize, and manage material ESG matters This process is fundamentally based on the implementation of the Party's principles, policies, and national strategies, as well as the missions assigned to banking financial institutions, while comprehensively considering changes in domestic and overseas regulatory requirements, industry development trends, stakeholder feedback, and the Bank’s own strategic goals In 2025, the Board of Directors of the Bank will profoundly grasp the political and people-oriented nature of financial work, observe financial laws, uphold the principle of “finance for good”, and seek financial truth, thereby enhancing its sense of responsibility and mission for both its own high-quality development and its service to high-quality development Focusing on economic construction as the central task and high-quality development as the primary mission, the Bank will strive to deliver on the “five priorities” of finance, actively serve Tianjin’s “Ten Special Tasks”, and fully implement the requirements of revitalizing existing assets, cultivating incremental growth, and improving quality, regarding these as the priorities of its ESG strategic managementThe Board of Directors of the Bank has implemented a long-term strategy of “enhancing duty performance and strengthening the foundation of ESG management” Through continuous professional training and learning, the Board of Directors ensures the continuous enhancement of the ESG knowledge and capabilities of its members In 2025, all Directors participated in special trainings on “Analysis of Financial Regulatory Landscape and Study of Cases on Non-compliance in Bank Consumer Protection”, “Evolution of Corporate Governance Supervision Models and Governance Experience of Central State-owned Enterprises”, “Actively Cultivating and Practicing Financial Culture with Chinese Characteristics”, and “Strengthening Strategic Management and Planning Construction”, as well as the anti-corruption study on the “'Hong Kong’s Competitive Edge - Partnership in Business Ethics' Toolkit on Directors’ Ethics” Newly appointed Directors received the “Compliance Training for Hong Kong Listed Companies” and the Bank’s anti-money 1322025 ESG REPORT OF CHINA BOHAI BANK Governancelaundering and counter-terrorist fi nancing training In addition, the Bank also collects the latest rules and regulations of the Hong Kong Stock Exchange and cutting-edge ESG information for study by the Directors These measures not only help the Directors keep abreast of the latest dynamics and best practices in the ESG fi eld, but also assist them in continuously improving their level of duty performance, ensuring scientific and effective decision-making in ESG managementIV Review and Optimization of ESG ManagementThe Board of Directors ensures that the Bank proceeds steadily on the path of high-quality development by regularly reviewing the progress of ESG-related targets This process relies on various mechanisms and tools, including the review of ESG performance data, analysis of key indicators, and communication and collaboration with the management The Board comprehensively reviews the Bank’s annual ESG report, evaluates the progress of ESG initiatives, and identifi es areas for improvement Meanwhile, the Board pays close attention to external feedback, such as regulatory requirements and stakeholder opinions, to gain a comprehensive understanding of the Bank’s ESG performanceDuring the review process, the Board and the management jointly analyze the implementation of ESG strategies, discuss implementation challenges and opportunities, and adjust strategies and targets as necessary to ensure that ESG goals are coordinated with the overall strategy and consistent with industry standards and regulatory expectations In 2025, the Board will urge relevant departments to update information disclosure processes in a timely manner to ensure alignment with the latest requirements Through this continuous review and optimization process, the Board promotes the ongoing advancement of the Bank’s ESG management and creates long-term value for stakeholdersCASEJinan Branch Organized ESG Risk Self-InspectionFrom 12 February to 21 February 2025, the Jinan Branch of the Bank organized a self-inspection on its ESG risk management work The branch conducted a comprehensive and in-depth self-inspection of the implementation of the list-based management for high ESG risk customers, as well as the identifi cation, monitoring, prevention and control of ESG risks in the post-lending management process133Governance 2025 ESG REPORT OF CHINA BOHAI BANKComprehensive Risk Management and Control: Consolidating the Foundation for High-quality DevelopmentThe Bank has established and implemented a comprehensive risk management system for the banking group, with the Board of Directors assuming ultimate responsibility for comprehensive risk management, the Board of Supervisors assuming supervisory responsibility for comprehensive risk management, and the senior management assuming responsibility for the implementation of comprehensive risk management The Risk Management and Green Finance Committee under the Board has established communication mechanisms with other special committees under the Board, including the Development Strategy and Inclusive Finance Committee, the Audit and Consumer Rights Protection Committee, and the Nomination and Remuneration Committee, to ensure full information sharing and to support decision-making related to risk management; the Risk Control Committee under the senior management has also established communication mechanisms with other professional committees under the senior management The business departments at all levels of the Bank serve as the fi rst line of defense for risk management, assuming direct responsibility for risk management; the risk management departments at all levels serve as the second line of defense for risk management, assuming the responsibility for formulating policies and procedures, as well as monitoring and managing risks; the audit departments at all levels serve as the third line of defense for risk management, assuming the audit responsibility for the performance of duties by the business departments and the risk management departments, and conducting re-supervision and evaluation of the risk management activities of the fi rst and second lines of defense The "three lines of defense " work collectively to achieve the risk management objectivesUnder the consolidated management framework, the Bank, in accordance with the principles of "uniformity, full coverage, differentiation, effectiveness and compliance", guides its subsidiaries to establish a sound comprehensive risk management system under the overall risk appetite of the banking group, and continuously supervises and guides the subsidiaries to ensure that the consolidated risk management work is effectively implemented at all levels1342025 ESG REPORT OF CHINA BOHAI BANK GovernanceThe Bank has established a comprehensive risk management policy system, incorporating credit risk, market risk, liquidity risk, operational risk, country risk, interest rate risk in the banking book, reputational risk, strategic risk, information technology risk, ESG risk, concentration risk and other risks arising from various businesses and various types of customers into the scope of comprehensive risk management, to ensure that all types of risks are effectively identifi ed and controlled, and that risk levels meet regulatory requirementsThe Bank has strengthened the analysis and judgement of international and domestic economic situations, and carefully studied national macroeconomic policies and fi nancial regulatory policies Based on its own conditions and the external environment, the Bank has formulated risk management strategies, and in light of changes in business scale, complexity and risk profi les, set risk appetite, formulated risk limits, monitored and evaluated the implementation of risk appetite and risk limit indicators, and reported to the senior management and the Board of DirectorsThe Bank practices a prudent risk culture, fosters risk management philosophies, value standards and professional ethics suitable for the Bank, establishes training, communication and supervision mechanisms, effectively conveys the comprehensive risk management philosophy, and promotes the understanding and implementation thereof by all employees The Bank conducts risk management-related training for the management and frontline employees, striving to cultivate employees' risk management capabilities, clearly defi ning the "boundary constraints" of risk management in conducting business, and cultivating and enhancing the risk management capabilities of all employees commensurate with their positions and responsibilities135Governance 2025 ESG REPORT OF CHINA BOHAI BANKPrioritising Compliance and Operating Lawfully, with Integrity and PrudenceThe Bank has strengthened compliance governance, strictly adhered to the bottom line of codes of business ethics, and established a “four-in-one” internal control organisational system By fostering the philosophy of “comprehensive, full-process and all-staff involvement”, the Bank has promoted the compliant, orderly and steady development of various business and management activities It has maintained a high-pressure stance against corruption, advanced the fi ght against corruption with greater clarity and resolve, and steadfastly pushed forward the comprehensive and strict governance of the Party in depth Furthermore, the Bank has actively fulfilled its anti-money laundering obligations, strictly implemented the requirements for combating and governing cross-border gambling and telecommunications and network fraud, prevented and cracked down on fi nancial crimes, and effectively safeguarded the “money bags” of the general publicI Internal Control and ComplianceThe Bank has established a “four-in-one” internal control organizational system consisting of process execution, functional management, second-line supervision, and internal audit Adhering to the philosophy of “comprehensive, whole process, and whole-workforce”, the Bank has promoted the compliant, orderly and steady development of various business and management activities in terms of internal control management, compliance support, operational risk prevention, case prevention and control, anti-money laundering management, business continuity management, and audit and inspectionIn 2025, the Bank continuously improved the long-term mechanism for internal control and compliance management, optimized the internal control and compliance management structure, and strengthened business line management; refined systems and assessment frameworks to enhance the precision and effectiveness of internal control and 1362025 ESG REPORT OF CHINA BOHAI BANK Governancecompliance management assessments; strengthened case prevention management, completed the establishment of a grid-based employee management structure, and improved the efficiency of employee management; enhanced inspection management, coordinated the Bank’s on-site inspections, and achieved organic linkage among the planning, execution, and supervision of on-site inspections; strengthened rectification supervision, increased accountability, and maintained a precise focus on non-compliant behaviors; in accordance with the “two facets” work principle, carried out the construction of operational risk engineering; continued to promote the standard-compliance construction of business continuity systems at branches; and continued to compile and issue the Internal Control and Compliance Risk Reminders and conduct various forms of internal control and compliance training to continuously enhance employees’ compliance awareness and deeply root a compliance cultureII Anti-CorruptionIn 2025, the Party Committee of China Bohai Bank remained committed to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, thoroughly studied and implemented the guiding principles of the 20th CPC National Congress, the Second, Third and Fourth Plenary Sessions of the 20th CPC Central Committee, and the Fourth Plenary Session of the 20th Central Commission for Discipline Inspection It closely adhered to the spirit of General Secretary Xi Jinping’s important speech during his inspection of Tianjin and his series of important instructions and requirements on the work of the city, and fully implemented the arrangements set out at the Sixth and Seventh Plenary Sessions of the 12th Tianjin Municipal Committee of the CPC and the Fourth Plenary Session of the 12th Tianjin Municipal Commission for Discipline Inspection Anchored in the “Ten Special Tasks” for high-quality development and the strategic traction of the coordinated development of the Beijing-Tianjin-Hebei region, the Party Committee deeply integrated the “three integrities” initiative with financial services for the real economy and the prevention and resolution of financial risks It profoundly implemented the “Discipline Inspection and Supervision Proposal”, carried out the “the 3 guidelines for Party members”, persisted in rectifying the “Twenty Non-permissible Practices”, advanced the integrated accountability mechanism, and promoted the in-depth development of the comprehensive and strict Party governance with a strict tone, strict measures and a strict atmosphere These efforts ensured the smooth implementation of the “Nine-Five-Three-One” strategy and safeguarded the high-quality development of China Bohai BankThe Bank convened the 2025 Conference on Comprehensive Strict Governance of the Party and Warning Education, attended by 152 middle-level cadres; held a warning education conference and Party lecture, with 2,290 cadres participating; organized 100 cadres to visit the warning education center; compiled Typical Cases of Disciplinary and Legal Violations for departmental training; and promoted branches to hold 70 warning meetingsIII Anti-Money LaunderingThe Bank earnestly implemented regulatory policy requirements, comprehensively consolidated the foundation of anti-money laundering management and faithfully fulfilled its anti-money laundering obligations Through key measures such 137Governance 2025 ESG REPORT OF CHINA BOHAI BANKas optimizing management mechanisms, improving business systems and focusing on capability enhancement, the Bank continuously strengthened the effectiveness of its anti-money laundering managementThe Bank strictly implemented the new regulations on beneficial ownership management, established a new beneficial ownership system, built an internal processing link for beneficial ownership verification, and guided branches to standardize and promote the filing and publicity of beneficial ownership information through specialized training It comprehensively reviewed and improved the anti-money laundering (AML) internal control system, and revised and issued internal policies regarding large-value and suspicious transaction reporting, AML publicity and training, and regulatory coordination Meanwhile, taking issues identified in regulatory inspections as a guide, the Bank transformed problem rectification into a sustained driving force for enhanced management effectiveness through measures such as strengthening the functions of the AML system, intensifying product money laundering risk assessments, and conducting in-depth self-inspections and rectifications to identify and address similar issues In fulfilling its social responsibility, the Bank actively expanded the breadth and depth of AML publicity Centering on the new Anti-Money Laundering Law as the core content, it leveraged diverse online and offline channels to carry out various public education activities, thereby increasing the impact of AML outreach, enhancing public awareness, understanding, and proactive cooperation, effectively playing the key role of financial institutions in AML education and providing strong support for fortifying the social financial security line of defenseIV Precise Crackdown on Telecommunications and Network FraudThe Bank strengthened the development of its anti-fraud systems and commissioned Phase I of the intelligent account life-cycle monitoring platform to achieve full-process control covering “pre-event identity verification, in-event risk management and control, and post-event investigation and accountability”; the integrated financial anti-fraud platform launched functions such as financial disciplinary measures and verification of the number of accounts opened across institutions, while optimizing functions including the precise interception of potential victims; an automatic assessment model for non-counter transaction limits for personal accounts was launched; and unified maintenance for non-counter transaction limits, electronic channel transaction limits and quick payment limits was implemented to achieve “single-point maintenance and one-time completion”The Bank established a police-bank anti-fraud prevention and control ecosystem, issued 17 risk alerts targeting new types of scams such as “contactless card reading”, “cancelling automatic deductions”, “gold mailing” and “cash withdrawal appointments”, deployed channel-side risk control strategies, and launched functions such as 24-hour protective payment suspension and police-bank data linkage for high-risk individuals susceptible to fraudIn 2025, the Bank recovered losses of RMB151662 million for victims of telecommunications and network fraud and protected funds totaling RMB436 million1382025 ESG REPORT OF CHINA BOHAI BANK Independent Limited Assurance ReportAppendix139Independent Limited Assurance Report 2025 ESG REPORT OF CHINA BOHAI BANK1402025 ESG REPORT OF CHINA BOHAI BANK Independent Limited Assurance Report141Independent Limited Assurance Report 2025 ESG REPORT OF CHINA BOHAI BANK1422025 ESG REPORT OF CHINA BOHAI BANK Independent Limited Assurance Report143List of Important Systems for ESG-related Issues 2025 ESG REPORT OF CHINA BOHAI BANKList of Important Systems for ESG-related IssuesIssues Names of System Risk ManagementESG Risk Management Policies of China Bohai Bank Co, LtdRegulations on ESG Risk Management of the Credit Business of China Bohai Bank (2025 Revision)Regulations on ESG Risk Management of the Credit Business of China Bohai Bank (2025 Revision) Employee Behavior ManagementCode of Professional Conduct for Practitioners of China Bohai Bank Anti-money LaunderingRisk Management Policies on Money Laundering and Terrorist Financing of China Bohai Bank Co, Ltd (2023 Revision)Administrative Measures for Customer Anti-Money Laundering Risk Assessment of China Bohai Bank (2022 Revision)Administrative Measures for Anti-Money Laundering Watchlist Management of China Bohai Bank (2022 Revision)Large Transaction and Suspicious Transaction Reporting Management Measures of China Bohai Bank (2025 Revision)Administrative Measures for Anti-Money Laundering and Counter-Terrorist Financing Publicity and Training of China Bohai Bank (2025 Revision)Administrative Measures for Self-Assessment of Money Laundering and Terrorist Financing Risks of China Bohai Bank Anti-corruptionThe Implementation Plan of China Bohai Bank’s Party Committee on Integrally Promoting the Dare Not to be Corrupt, Cannot be Corrupt and Do Not Want to be Corrupt Internal AuditInternal Audit Charter of China Bohai Bank Co, Ltd (2025 Revision)Internal Audit Policies and Procedures of China Bohai Bank Co, Ltd (2022 Revision)1442025 ESG REPORT OF CHINA BOHAI BANK List of Important Systems for ESG-related Issues Information SecurityNetwork Security Management Measures of China Bohai BankSpecial Virtual Network Management Measures of China Bohai BankInternet Assets Security Management Measures of China Bohai BankNetwork Security Vulnerability Management Measures of China Bohai BankNetwork Security Monitoring Management Measures of China Bohai BankTerminal Security Management Measures of China Bohai BankInformation System Security Development Life Cycle Management Measures of China Bohai BankInformation System Cryptographic and Keys Management Measures of China Bohai BankData Security Management Measures of China Bohai BankData Security Incident Contingency Plan of China Bohai BankThird-party Data Cooperation Security Management Implementation Rules of China Bohai BankData Security Classification Implementation Rules of China Bohai BankData De-sensitization Implementation Rules of China Bohai BankData Security Assessment Implementation Rules of China Bohai BankData Life Cycle Security Management Implementation Rules of China Bohai BankData Export Security Management Implementation Rules of China Bohai BankDestruction of Data Storage Media Implementation Rules of China Bohai Bank Consumer Rights ProtectionWork Plan for the Protection of Financial Consumer Rights of China Bohai Bank Co, Ltd (2021-2025)Consumer Rights Protection Management Measures of China Bohai Bank Co, Ltd (2023 Revision)Administrative Measures for Review on Financial Consumer Rights Protection of China Bohai Bank (2024 Revision)Administrative Measures for Product Suitability of China Bohai BankSales Behaviors Traceability Management Measures of China Bohai BankCustomer Personal Information Protection Management Measures of China Bohai Bank (2025 Revision)Consumer Rights Protection Information Disclosure and Inquiry Management Measures of China Bohai Bank (2024 Revision)145List of Important Systems for ESG-related Issues 2025 ESG REPORT OF CHINA BOHAI BANKAdministrative Measures for Financial Education of China Bohai Bank (2025 Revision)Administrative Measures for Internal Training on Consumer Rights Protection of China Bohai Bank (2025 Revision)Consumer Rights Protection Response Plan for Major Emergencies of China Bohai Bank (2025 Revision)Administrative Measures for Consumer Rights Protection Assessment of China Bohai Bank (2025 Revision)Consumer Complaint Handling Management Measures of China Bohai Bank (2024 Revision)Emergency Response Plan for Major Consumer Complaints of China Bohai Bank (2024 Revision)Evaluation Measures for Handling Consumer Complaints of China Bohai Bank (2025 Revision)Guidelines for Diversified Settlement of Financial Disputes of China Bohai Bank (2025 Revision) Recruitment and EmploymentOperational Procedures for Personnel Administration of China Bohai Bank (2024 Revision)Selection and Employment Measures for Middle-level and Senior Management Personnel of China Bohai Bank (2025 Revision)Selection and Employment Measures for Grass-roots Management Personnel of China Bohai Bank (2025 Revision)Administrative Measures for Employees’ Exit of China Bohai Bank (Trial) Green Finance2022 Credit Policy of China Bohai BankGuidance on Further Promoting the Development of Green Finance Business of China Bohai Bank1462025 ESG REPORT OF CHINA BOHAI BANK Index of the Environmental, Social and Governance Reporting Code of the Stock ExchangeIndex of the Environmental, Social and Governance Reporting Code of the Stock ExchangeMajor performance indicators Guidance requirements Relevant section or paragraphGovernance StructureMandatory The board’s oversight of ESG issues P130-P133disclosureThe board’s ESG management approach and strategy, including the process used to evaluate, prioritize and Mandatory P132-P133manage material ESG-related issues (including risks to disclosurebusinesses)How the board reviews progress made against ESG Mandatory related goals and targets with an explanation of how P133disclosurethey relate to the businessesA EnvironmentalAspect A1: EmissionsPolicies and compliance with relevant laws and regulations that have a significant impact on the G e n e r a l issuer relating to air and greenhouse Comply or P19-P20Disclosure gas emissions, discharges into explain P45-P47water and land, and generation of hazardous and non-hazardous wasteThe types of emiss ions and Comply orKPI A11 P19-P20respective emissions data explainDirect (Scope 1) and energy indirect (Scope 2) greenhouse gas Comply or KPI A12 emissions (in tonnes) and, where explain P19-P20appropriate, intensity (eg, per unit of production volume, per facility)147Index of the Environmental, Social and Governance Reporting Code of the 2025 ESG REPORT OF CHINA BOHAI BANKStock ExchangeTotal hazardous waste produced (in tonnes) and, where appropriate, Comply or KPI A13 P20intensity (eg, per unit of production explainvolume, per facility)To ta l non -haza rdous was te produced (in tonnes) and, where Comply or KPI A14 P20appropriate, intensity (eg, per unit explainof production volume, per facility)Description of emissions target(s) set Comply or P45-P47KPI A15and steps taken to achieve them explain P54Description of how hazardous and non-hazardous wastes are handled, Comply or KPI A16 and a description of reduction explain P21target(s) set and steps taken to achieve themAspect A2: Use of ResourcesPolicies on the efficient use of General resources, including energy, water Comply or P45-P47Disclosure and other raw materials explainDirect and/or indirect energy consumption by type (eg, electricity, Comply or KPI A21 gas or oil) in total (kWh in ’000s) and P20explainintensity (eg, per unit of production volume, per facility)Water consumption in total and Comply or KPI A22 intensity (eg, per unit of production explain P20volume, per facility)1482025 ESG REPORT OF CHINA BOHAI BANK Index of the Environmental, Social and Governance Reporting Code of the Stock ExchangeDescription of energy use efficiency Comply or KPI A23 target(s) set and steps taken to P45-P47explainachieve themDescription of whether there is any issue in sourcing water that is fit for Comply or KPI A24 purpose, water efficiency target(s) explain P45-P46set and steps taken to achieve themTotal packaging material used for This indicator is not applicable as the finished products (in tonnes) and, if Comply orKPI A25 Bank is a financial institution rather applicable, with reference to per unit explainthan a manufacturing enterpriseproducedAspect A3: The Environment and Natural ResourcesP o l i c i e s o n m i n i m i z i n g t h e General Comply or P21issuer’s significant impacts on the disclosure explain P34-P54environment and natural resourcesDescription of the significant impacts of activities on the environment and Comply or KPI A31natural resources and the actions explain P34-P47taken to manage themAspect A4: Climate ChangePolicies on identif ication and mitigation of significant climate General Comply or related issues which have impacted, P48-P53disclosure explainand those which may impact, the issuerDescription of the significant climate related issues which have impacted, Comply or KPI A41 and those which may impact, the P51-P52explainissuer, and the actions taken to manage them149Index of the Environmental, Social and Governance Reporting Code of the 2025 ESG REPORT OF CHINA BOHAI BANKStock ExchangeB SocialEmployment and Labor PracticesAspect B1: EmploymentInformation on the policies and compliance with relevant laws and regulations that have a significant impact on the issuer relating to General compensation and dismissal, Comply or P22-P23Disclosure rec ru i tmen t and p romot ion , explain P111-P115working hours, rest per iods, equal opportunity, diversity, anti- discrimination, and other benefits and welfareTo ta l wo rk fo rce by gende r, employment type (for example, Comply or KPI B11 P22full- or part-time), age group and explaingeographical regionEmployee turnover rate by gender, Comply or KPI B12 P22age group and geographical region explainAspect B2: Health and SafetyInformation on the policies and compliance with relevant laws and regulations that have a significant General Comply or impact on the issuer relating to P113-P115Disclosure explainproviding a safe working environment and protecting employees from occupational hazardsNumber and rate of work-related fatalities occurred in each of the past Comply or KPI B21 Not applicable to the Bankthree years including the reporting explainyear1502025 ESG REPORT OF CHINA BOHAI BANK Index of the Environmental, Social and Governance Reporting Code of the Stock ExchangeComply or KPI B22 Lost days due to work injury Not applicable to the BankexplainDescription of occupational health and safety measures adopted, and Comply or KPI B23 P113-P115how they are implemented and explainmonitoredAspect B3: Development and TrainingPolicies on improving employees’ General knowledge and skills for discharging Comply or Disclosure duties at work Description of P112-P113explaintraining activitiesThe percentage of employees trained by gender and employee Comply or KPI B31 P23category (eg senior management, explainmiddle management)The average t ra in ing hours Comply or KPI B32 completed per employee by gender P23explainand employee categoryAspect B4: Labor StandardsInformation on the policies and compliance with relevant laws and General Comply or regulations that have a significant P21-P22Disclosure explainimpact on the issuer relating to preventing child and forced laborDescription of measures to review Comply or KPI B41 employment practices to avoid child P21-P22explainand forced laborDescription of steps taken to Comply or P21-P22KPI B42 eliminate such practices when explaindiscovered P113151Index of the Environmental, Social and Governance Reporting Code of the 2025 ESG REPORT OF CHINA BOHAI BANKStock ExchangeOperating PracticesAspect B5: Supply Chain ManagementGeneral Policies on managing environmental Comply or P47Disclosure and social risks of the supply chain explain P116-P117Number of suppliers by geographical Comply or KPI B51 P23-P24region explainDescription of practices relating to engaging suppliers, number of Comply or P47KPI B52 suppliers where the practices are explain P116-P117being implemented, and how they are implemented and monitoredDescription of practices used to identify environmental and social Comply or P47KPI B53 risks along the supply chain, and explain P116-P117how they are implemented and monitoredDescription of practices used to promote environmentally preferable Comply or KPI B54 products and serv ices when P47explainselecting suppliers, and how they are implemented and monitoredAspect B6: Product ResponsibilityInformation on the policies and compliance with relevant laws and regulations that have a significant General impact on the issuer relating to Comply or Disclosure health and safety, advertising, explain P102-P109labeling and privacy matters relating to products and services provided and methods of redress1522025 ESG REPORT OF CHINA BOHAI BANK Index of the Environmental, Social and Governance Reporting Code of the Stock ExchangePercentage of total products sold or This indicator is not applicable as the Comply or KPI B61 shipped subject to recalls for safety Bank is a financial institution rather explainand health reasons than a manufacturing enterpriseNumber of products and service Comply or P104KPI B62 related complaints received and explain P107-P108how they are dealt withDescription of practices relating to Comply or KPI B63 observing and protecting intellectual P136-P137explainproperty rightsThis indicator is not applicable as the Description of quality assurance Comply or KPI B64 Bank is a financial institution rather process and recall procedures explainthan a manufacturing enterpriseDescription of consumer data protection and privacy policies, and Comply or KPI B65 P106how they are implemented and explainmonitoredAspect B7: Anti-corruptionInformation on the policies and compliance with relevant laws and General regulations that have a significant Comply or P136-P137Disclosure impact on the issuer relating to explainbribery, extortion, fraud and money launderingNumber of concluded legal cases regarding corrupt practices brought Comply or KPI B71 against the issuer or its employees P137explainduring the reporting period and the outcomes of the cases153Index of the Environmental, Social and Governance Reporting Code of the 2025 ESG REPORT OF CHINA BOHAI BANKStock ExchangeDescription of preventive measures and whistle-blowing procedures, Comply or KPI B72 P136-P137and how they are implemented and explainmonitoredDescription of anti-corruption training Comply or KPI B73 P137provided to directors and staff explainCommunityAspect B8: Community InvestmentPolicies on community engagement to understand the needs of the General communities where the issuer Comply or P39-P44Disclosure operates and to ensure its activities explain P57-P101t ake in to cons ide ra t ion the communities’ interestsFocus areas of contribution (eg Comply or KPI B81 education, environmental concerns, P118-P124explainlabor needs, health, culture, sport)Resources contributed (eg time or Comply or KPI B82 P118-P124money) to the focus area explain1542025 ESG REPORT OF CHINA BOHAI BANK Index of the International Financial Reporting Standard S2 – Climate-Related DisclosuresIndex of the International Financial Reporting Standard S2 – Climate-Related DisclosureCore content Relevant section or paragraphGovernance 6(a) The governance body(s) (which can include a board, committee or equivalent body charged with governance) or individual(s) responsible for oversight of climate-related risks and opportunitiesHow responsibilities for climate-related risks and opportunities are refl ected in the terms of reference, mandates, role descriptions and other P127-P128related policies applicable to that body(s) or individual(s) P130How the body(s) or individual(s) determines whether appropriate skills and competencies are available or will be developed to oversee strategies P130-P132designed to respond to climate-related risks and opportunities How and how often the body(s) or individual(s) is informed about climate P128related risks and opportunities P130-P132How the body(s) or individual(s) takes into account climate-related risks and opportunities when overseeing the entity’s strategy, its decisions P48-P53on major transactions and its risk management processes and related P130-P132policies, including whether the body(s) or individual(s) has considered trade-offs associated with those risks and opportunitiesHow the body(s) or individual(s) oversees the setting of targets related to climate-related risks and opportunities, and monitors progress towards P48-P53those targets, including whether and how related performance metrics are P130-P132included in remuneration policies6(b) Management’s role in the governance processes, controls and procedures used to monitor, manage and oversee climate-related risks and opportunitiesWhether the role is delegated to a specifi c management-level position or P35-P36management-level committee and how oversight is exercised over that P130-P133position or committee155Index of the International Financial Reporting Standard S2 – Climate-Related 2025 ESG REPORT OF CHINA BOHAI BANKDisclosuresWhether management uses controls and procedures to support the oversight of climate-related risks and opportunities and, if so, how these P35-P38controls and procedures are integrated with other internal functionsStrategyClimate-related risks and opportunities10(a) Describe climate-related risks and opportunities that could P48-P50reasonably be expected to affect the entity’s prospects P51-P5210(b) Explain, for each climate-related risk the entity has identified, whether the entity considers the risk to be a climate-related physical risk P48-P50or climate-related transition risk10(c) Specify, for each climate-related risk and opportunity the entity has identified, over which time horizons—short, medium or long term—the P48-P50effects of each climate-related risk and opportunity could reasonably be P51-P52expected to occur10(d) Explain how the entity defi nes “short term”, “medium term” and “long term” and how these defi nitions are linked to the planning horizons used P48-P50by the entity for strategic decision-makingBusiness model and value chain13(a) A description of the current and anticipated effects of climate-related P48-P50risks and opportunities on the entity’s business model and value chain P51-P5213(b) A description of where in the entity’s business model and value chain climate-related risks and opportunities are concentrated (for P48-P50example, geographical areas, facilities and types of assets) P51-P52Strategy and decision-making14(a) Information about how the entity has responded to, and plans to respond to, climate-related risks and opportunities in its strategy and decision-making, including how the entity plans to achieve any climate related targets it has set and any targets it is required to meet by law or regulation1562025 ESG REPORT OF CHINA BOHAI BANK Index of the International Financial Reporting Standard S2 – Climate-Related DisclosuresCurrent and anticipated changes to the entity’s business model, including its resource allocation, to address climate-related risks and opportunities (for example, these changes could include plans to manage or decommission carbon-, energy- or water-intensive operations; resource allocations resulting from demand or supply-chain changes; resource P39-P47allocations arising from business development through capital expenditure or additional expenditure on research and development; and acquisitions or divestments)Current and anticipated direct mitigation and adaptation efforts (for This indicator is not applicable as example, through changes in production processes or equipment, the Bank is a financial institution relocation of facilities, workforce adjustments, and changes in product rather than a manufactur ing specifi cations) enterpriseCurrent and anticipated indirect mitigation and adaptation efforts (for P39-P47example, through working with customers and supply chains)Any climate-related transition plan the entity has, including information about key assumptions used in developing its transition plan, and P39-P40dependencies on which the entity’s transition plan reliesHow the entity plans to achieve any climate-related targets, including any greenhouse gas emissions targets, described in accordance with P39-P40paragraphs 33–3614(b) Information about how the entity is resourcing, and plans to resource, the activities disclosed in accordance with paragraph 14(a) P39-P4714(c) Quantitative and qualitative information about the progress of plans disclosed in previous reporting periods in accordance P39-P47with paragraph 14(a) P54Financial position, fi nancial performance and cash fl ows16(a) How climate-related risks and opportunities have affected its P48-P50fi nancial position, fi nancial performance and cash fl ows for the reporting P51-P52period157Index of the International Financial Reporting Standard S2 – Climate-Related 2025 ESG REPORT OF CHINA BOHAI BANKDisclosures16(b) The climate-related risks and opportunities identifi ed in paragraph 16(a) for which there is a signifi cant risk of a material adjustment within P48-P50the next annual reporting period to the carrying amounts of assets and P51-P52liabilities reported in the related fi nancial statements16(c) How the entity expects its fi nancial position to change over the short, medium and long term, given its strategy to manage climate-related risks and opportunities, taking into consideration: its investment and disposal plans (for example, plans for capital expenditure, major acquisitions P39-P40and divestments, joint ventures, business transformation, innovation, new business areas, and asset retirements), including plans the entity is not contractually committed to, and its planned sources of funding to implement its strategy16(d) How the entity expects its financial performance and cash flows As the disclosure of this indicator to change over the short, medium and long term, given its strategy to will require the Bank to incur manage climate-related risks and opportunities (for example, increased undue cost or effort, it is planned revenue from products and services aligned with a lower-carbon to be disclosed in the future when economy; costs arising from physical damage to assets from climate the Bank has more capacity and events; and expenses associated with climate adaptation or mitigation) resourcesClimate resilience22(a) The entity’s assessment of its climate resilience as at the reporting date: (1) the implications, if any, of the entity’s assessment for its strategy and business model, including how the entity would need to respond to the effects identified in the climate-related scenario analysis; (2) the signifi cant areas of uncertainty considered in the entity’s assessment of As the disclosure of this indicator its climate resilience; (3) the entity’s capacity to adjust or adapt its strategy will require the Bank to incur and business model to climate change over the short, medium and long undue cost or effort, it is planned term, including: the availability of, and flexibility in, the entity’s existing to be disclosed in the future when financial resources to respond to the effects identified in the climate the Bank has more capacity and related scenario analysis, including to address climate-related risks and resourcesto take advantage of climate-related opportunities; the entity’s ability to redeploy, repurpose, upgrade or decommission existing assets; and the effect of the entity’s current and planned investments in climate-related mitigation, adaptation and opportunities for climate resilience1582025 ESG REPORT OF CHINA BOHAI BANK Index of the International Financial Reporting Standard S2 – Climate-Related Disclosures22(b) How and when the climate-related scenario analysis was carried out: (1) information about the inputs the entity used, including: which climate-related scenarios the entity used for the analysis and the sources of those scenarios; whether the analysis included a diverse range of climate-related scenarios; whether the climate-related scenarios used for the analysis are associated with climate-related transition risks or climate related physical risks; whether the entity used, among its scenarios, a climate-related scenario aligned with the latest international agreement on climate change; why the entity decided that its chosen climate-related scenarios are relevant to assessing its resilience to climate-related P48-P52changes, developments or uncertainties; the time horizons the entity used in the analysis; and what scope of operations the entity used in the analysis (for example, the operating locations and business units used in the analysis); (2) the key assumptions the entity made in the analysis, including: climate-related policies in the jurisdictions in which the entity operates; macroeconomic trends; national- or regional-level variables (for example, local weather patterns, demographics, land use, infrastructure and availability of natural resources); energy usage and mix; and developments in technology; (3) the reporting period in which the climate related scenario analysis was carried outRisk management25(a) The processes and related policies the entity uses to identify, assess, prioritize and monitor climate-related risks, including information about: the inputs and parameters the entity uses (for example, information about data sources and the scope of operations covered in the processes); whether and how the entity uses climate-related scenario analysis to inform its identifi cation of climate-related risks; how the entity P48-P52assesses the nature, likelihood and magnitude of the effects of those risks (for example, whether the entity considers qualitative factors, quantitative thresholds or other criteria); whether and how the entity prioritizes climate related risks relative to other types of risk; how the entity monitors climate related risks; and whether and how the entity has changed the processes it uses compared with the previous reporting period159Index of the International Financial Reporting Standard S2 – Climate-Related 2025 ESG REPORT OF CHINA BOHAI BANKDisclosures25(b) The processes the entity uses to identify, assess, prioritize and monitor climate-related opportunities, including information about whether and how the entity uses climate-related scenario analysis to inform its P48-P52identifi cation of climate-related opportunities25(c) The extent to which, and how, the processes for identifying, assessing, prioritizing and monitoring climate-related risks and opportunities are integrated into and inform the entity’s overall risk P48-P52management processMetrics and targetsClimate-related metrics29(a) Greenhouse gases—the entity shall: (1) disclose its absolute gross greenhouse gas emissions generated during the reporting period, expressed as metric tonnes of CO2 equivalent (see paragraphs B19 B22), classifi ed as: Scope 1 greenhouse gas emissions; Scope 2 greenhouse gas emissions; and Scope 3 greenhouse gas emissions; (2) disclose the approach it uses to measure its greenhouse gas emissions (see P19-P20paragraphs B26–B29) including: the measurement approach, inputs and assumptions the entity uses to measure its greenhouse gas emissions; the reason why the entity has chosen the measurement approach, inputs and assumptions it uses to measure its greenhouse gas emissions; and any changes the entity made to the measurement approach, inputs and assumptions during the reporting period and the reasons for those changesAs the disclosure of this indicator will require the Bank to incur 29(b) Climate-related transition risks—the amount and percentage of undue cost or effort, it is planned assets or business activities vulnerable to climate-related transition risks to be disclosed in the future when the Bank has more capacity and resources1602025 ESG REPORT OF CHINA BOHAI BANK Index of the International Financial Reporting Standard S2 – Climate-Related DisclosuresAs the disclosure of this indicator will require the Bank to incur undue cost 29(c) Climate-related physical risks—the amount and percentage of or effort, it is planned to be disclosed assets or business activities vulnerable to climate-related physical risksin the future when the Bank has more capacity and resourcesAs the disclosure of this indicator will require the Bank to incur undue cost 29(d) Climate-related opportunities—the amount and percentage of or effort, it is planned to be disclosed assets or business activities aligned with climate-related opportunitiesin the future when the Bank has more capacity and resources29(e) Capital deployment—the amount of capital expenditure, fi nancing or P39-P47investment deployed towards climate-related risks and opportunities29(f) Internal carbon prices—the entity shall disclose an explanation of As the disclosure of this indicator will whether and how the entity is applying a carbon price in decision making require the Bank to incur undue cost (for example, investment decisions, transfer pricing and scenario analysis); or effort, it is planned to be disclosed and the price for each metric tonne of greenhouse gas emissions the in the future when the Bank has entity uses to assess the costs of its greenhouse gas emissions more capacity and resources29(g) Remuneration—the entity shall disclose a description of whether As the disclosure of this indicator will and how climate-related considerations are factored into executive require the Bank to incur undue cost remuneration (see also paragraph 6(a)(v)); and the percentage of or effort, it is planned to be disclosed executive management remuneration recognized in the current period in the future when the Bank has that is linked to climate-related considerations more capacity and resourcesClimate-related metrics33 An entity shall disclose the quantitative and qualitative climate-related targets it has set to monitor progress towards achieving its strategic goals, and any targets it is required to meet by law or regulation, including any greenhouse gas emissions targetsP39-P4033(a) The metric used to set the target (see paragraphs B66–B67)P54161Index of the International Financial Reporting Standard S2 – Climate-Related 2025 ESG REPORT OF CHINA BOHAI BANKDisclosures33(b) The objective of the target (for example, mitigation, adaptation or P39-P40conformance with science-based initiatives) P5433(c) The part of the entity to which the target applies (for example, whether the target applies to the entity in its entirety or only a part of the P39-P40entity, such as a specifi c business unit or specifi c geographical region) P54P39-P4033(d) The period over which the target appliesP54P39-P4033(e) The base period from which progress is measuredP5433(f) Any milestones and interim targets P39-P40P5433(g) If the target is quantitative, whether it is an absolute target or an P39-P40intensity target P5433(h) How the latest international agreement on climate change, including jurisdictional commitments that arise from that agreement, has informed P39-P40the target34 An entity shall disclose information about its approach to setting and reviewing each target, and how it monitors progress P35-P40against each target34(a) Whether the target and the methodology for setting the target has P139-P143been validated by a third party34(b) The entity’s processes for reviewing the target P35-P40P35-P4034(c) The metrics used to monitor progress towards reaching the targetP5234(d) Any revisions to the target and an explanation for those revisions P35-P401622025 ESG REPORT OF CHINA BOHAI BANK Index of the International Financial Reporting Standard S2 – Climate-Related Disclosures35 An entity shall disclose information about its performance against each climate-related target and an analysis of trends or P39-P44changes in the entity’s performance36 For each greenhouse gas emissions target disclosed in P19-P20accordance with paragraphs 33–35, an entity shall disclose the following information P52P19-P2036(a) Which greenhouse gases are covered by the targetP5236(b) Whether Scope 1, Scope 2 or Scope 3 greenhouse gas emissions P19-P20are covered by the target36(c) Whether the target is a gross greenhouse gas emissions target or net greenhouse gas emissions target If the entity discloses a net greenhouse gas emissions target, the entity is also required to separately P19-P20disclose its associated gross greenhouse gas emissions target (see paragraphs B68–B69)36(d) Whether the target was derived using a sectoral decarbonization P19-P20approach36(e) The entity’s planned use of carbon credits to offset greenhouse gas emissions to achieve any net greenhouse gas emissions target In explaining its planned use of carbon credits the entity shall disclose information including, and with reference to paragraphs B70–B71: the extent to which, and how, achieving any net greenhouse gas emissions As the Bank is a fi nancial institution target relies on the use of carbon credits; which third-party scheme(s) rather than a manufactur ing will verify or certify the carbon credits; the type of carbon credit, enterprise, this indicator is not including whether the underlying offset will be nature-based or based applicableon technological carbon removals, and whether the underlying offset is achieved through carbon reduction or removal; and any other factors necessary for users of general purpose financial reports to understand the credibility and integrity of the carbon credits the entity plans to use (for example, assumptions regarding the permanence of the carbon offset)163GRI Content Index 2025 ESG REPORT OF CHINA BOHAI BANKGRI Content IndexCHINA BOHAI BANK CO, LTD has reported the information cited in this GRI content Statement of use index for the period from January 1, 2025 to December 31, 2025 with reference to the GRI StandardsGRI 1 used GRI 1: Foundation 2021GRI Standard Disclosure Location2-2 Entities included in the organization’s sustainability P1reportingP12-3 Reporting period, frequency and contact point P169There are no signif icant 2-4 Restatements of information changes to the reporting scope compared to previous years2-5 External assurance P139-P143P192-6 Activities, value chain and other business P40-P44relationshipsP57-P110P22-P232-7 EmployeesP111-P1152-8 Workers who are not employees See the Bank’s annual report2-9 Governance structure and composition P11-P122-10 Nomination and selection of the highest See the Bank’s annual reportgovernance body2-11 Chair of the highest governance body See the Bank’s annual report2-12 Role of the highest governance body in overseeing the management of impacts P127-P1292-13 Delegation of responsibility for managing impacts P127-P1292-14 Role of the highest governance body in sustainability reporting P130-P1331642025 ESG REPORT OF CHINA BOHAI BANK GRI Content Index2-15 Conflicts of interest See the Bank’s annual report2-16 Communication of critical concerns P1292-17 Collective knowledge of the highest governance P129body P130-P1322-18 Evaluation of the performance of the highest See the Bank’s annual reportgovernance body2-19 Remuneration policies P21-P222-20 Process to determine remuneration See the Bank’s annual report2-21 Annual total compensation ratio See the Bank’s annual report2-22 Statement on sustainable development strategy P27-P282-23 Policy commitments P27-P28P5-P82-24 Embedding policy commitmentsP27-P28P48-P532-25 Processes to remediate negative impactsP134-P1352-26 Mechanisms for seeking advice and raising P30-P32concerns P1692-27 Compliance with laws and regulations P136-P1382-28 Membership associations P13-P162-29 Approach to stakeholder engagement P30-P323-1 Process to determine material topics P29GRI 3: Material Topics 3-2 List of material topics P2920213-3 Management of material topics P29201-1 Direct economic value generated and distributed P19GRI 201: 201-2 Financial implications and other risks and P48-P50Economic opportunities due to climate change P51-P52Performance 2016 201-3 Defined benefit plan obligations and other P21-P22retirement plans P111-P115165GRI Content Index 2025 ESG REPORT OF CHINA BOHAI BANK202-1 Ratios of standard entry level wage by gender The Bank plans to gradually GRI 202: compared to local minimum wage disclose this in the futureMarket Presence 2016 202-2 Proportion of senior management hired from The Bank plans to gradually the local community disclose this in the futureGRI 203: 203-1 Infrastructure investments and services Indirect supported P57-P103Economic Impacts 2016 P24203-2 Significant indirect economic impactsP92-P110GRI 204: Procurement 204-1 Proportion of spending on local suppliersPractices P23-P242016205-1 Operations assessed for risks related to P137corruptionGRI 205: Anti-corruption 205-2 Communication and training about anti- P1372016 corruption policies and procedures205-3 Confirmed incidents of corruption and actions P137takenGRI 206: Anti-competitive 206-1 Legal actions for anti-competitive behavior, Behavior anti-trust, and monopoly practices P137-P1382016207-1 Approach to tax See the Bank’s annual report207-2 Tax governance, control, and risk management See the Bank’s annual reportGRI 207: Tax 207-3 Stakeholder engagement and management 2019 See the Bank’s annual reportof concerns related to tax207-4 Country-by-country reporting See the Bank’s annual reportGRI 301: Materials 301-1 Materials used by weight or volume P20-P212016GRI 302: Energy 302-1 Energy consumption within the organization P2020161662025 ESG REPORT OF CHINA BOHAI BANK GRI Content Index302-2 Energy consumption outside of the P19-P20organization302-3 Energy intensity P19-P20302-4 Reduction of energy consumption P19-P20302-5 Reductions in energy requirements of P45-P47products and servicesGRI 303: Water and 303-1 Interactions with water as a shared resource P45-P46Effluents 2018 303-5 Water consumption P20306-1 Waste generation and significant waste related impacts P20306-2 Management of significant waste-related impacts P20GRI 306: Waste 306-3 Waste generated P202020306-4 Waste diverted from disposal P20306-5 Waste directed to disposal P20308-2 Negative environmental impacts in the supply P47chain and actions taken401-1 New employee hires and employee turnover P22GRI 401: 401-2 Benefits provided to full-time employees Employment that are not provided to temporary or part-time P111-P1152016 employees401-3 Parental leave P21-P22GRI 402: Labor/ 402-1 Minimum notice periods regarding operational P21-P22Management changes P113Relations 2016167GRI Content Index 2025 ESG REPORT OF CHINA BOHAI BANK403-1 Occupational health and safety management P21-P22system P113-P115403-3 Occupational health services P113-P115GRI 403: Occupational 403-6 Promotion of worker health P115Health and Safety 2018 403-7 Prevention and mitigation of occupational health and safety impacts directly linked by business P113-P115relationships403-8 Workers covered by an occupational health and safety management system P113-P115404-1 Average hours of training per year per employee P23GRI 404: Training and 404-2 Programs for upgrading employee skills and P112-P113Education transition assistance programs2016404-3 Percentage of employees receiving regular performance and career development reviews P112GRI 405: 405-1 Diversity of governance bodies and P23Diversity and employeesEqual Opportunity 2016 405-2 Ratio of basic salary and remuneration of P21-P22women to menGRI 406: 406-1 Incidents of discrimination and corrective P21-P22Non-discrimination 2016 actions taken P113GRI 413: Local 413-1 Operations with local community engagement, Communities P242016 impact assessments, and development programsGRI 414: Supplier Social Assessment 414-1 New suppliers that were screened using P23-P242016 social criteriaGRI 416: Customer 416-1 Assessment of the health and safety impacts Health and Safety P102-P110of product and service categories2016GRI 417: Marketing 417-1 Requirements for product and service P102-P110and Labeling 2016 information and labeling1682025 ESG REPORT OF CHINA BOHAI BANK Reader’s FeedbackReader's FeedbackDear Readers,Hello!Thank you for reading We would like you to evaluate this report so as to improve the Bank’s sustainable development capabilities and ESG management standards Please put forward your valuable comments and suggestions during your busy schedule to facilitate the continuous improvement of our ESG report and our ESG effortsYou may provide feedback through the following means:Fax: 022-58314881Letter: Corporate Culture Department, Bohai Bank, 218 Haihe East Road, Hedong District, Tianjin (Postal Code: 300012)E-mail: yjhao@cbhbcomcnPlease give us your comments1 Are you able to fully obtain the required information from this report? Yes Partly No2 Does this report fully reflect the Bank’s environmental responsibilities and performance? Yes Partly No3 Does this report fully reflect the Bank’s social responsibilities and performance? Yes Partly No4 Does this report fully reflect the Bank’s governance responsibilities and performance? Yes Partly No5 Does the layout design of this report meet your aesthetic requirements? Does it make your reading and understanding easier? Yes Partly No6 If you have other comments and suggestions, please briefly describe them169Registered&office address:218 Haihe East RoadHedong District,Tianjin,PRCPostcode:300012Telephone:86(22)5831 6666
REPORT CHINA OF BOHAI ESG
2026-04-29 10:44:40
Announcements & Notices
APPROVAL ON THE QUALIFICATION OF CHIEF INFORMATION OFFICER BY THE NATIONAL FINANCIAL REGULATORY ADMINISTRATION
Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcementCHINA BOHAI BANK CO, LTD渤海銀行股份有限公司(A joint stock company incorporated in the People’s Republic of China with limited liability)(Stock Code: 9668)APPROVAL ON THE QUALIFICATION OF CHIEF INFORMATION OFFICERBY THE NATIONAL FINANCIAL REGULATORY ADMINISTRATIONReference is made to the announcement of CHINA BOHAI BANK CO, LTD (the “Bank”) dated December 18, 2025 (the “Announcement”), in relation to the appointment of Mr XIE Kai as the chief information officer of the Bank Capitalised terms used herein, unless otherwise defined, shall have the same meanings as those defined in the AnnouncementThe Bank has recently received the Approval from the National Financial Regulatory Administration on the Qualification of XIE Kai as the Chief Information Officer of China Bohai Bank (Jin Fu [2026] No 205) Pursuant to relevant requirements, the qualification of Mr XIE Kai as the chief information officer of the Bank has been approved by the National Financial Regulatory Administration, with his appointment effective from April 13, 2026 Mr XIE Kai is currently a member of the party committee, a vice president and the chief information officer of the Bank Please refer to the Announcement for the biographical details of Mr XIE KaiBy order of the BoardCHINA BOHAI BANK CO, LTDWANG JinhongChairmanTianjin, ChinaApril 16, 2026As of the date of this announcement, the Board of the Bank comprises Mr WANG Jinhong and Mr QU Hongzhi as executive directors; Mr AU Siu Luen, Ms YUAN Wei, Ms CUI Hongqin, Mr HU Aimin and Mr ZHANG Yunji as non-executive directors; and Mr TSE Yat Hong, Mr SHUM Siu Hung Patrick, Ms WANG Aijian, Mr LIU Junmin, Mr LIU Lanbiao and Mr OUYANG Yong as independent non-executive directors
THE OF BY OFFICER NATIONAL
2026-04-16 17:36:10
Announcements & Notices
MONTHLY RETURN OF EQUITY ISSUER ON MOVEMENTS IN SECURITIES FOR THE MONTH ENDED 31 MARCH 2026
FF301Monthly Return for Equity Issuer and Hong Kong Depositary Receipts listed under Chapter 19B of the Exchange Listing Rules on Movements in Securities For the month ended: 31 March 2026 Status: New SubmissionTo : Hong Kong Exchanges and Clearing LimitedName of Issuer: CHINA BOHAI BANK CO, LTDDate Submitted: 08 April 2026I Movements in Authorised / Registered Share Capital1 Class of shares Ordinary shares Type of shares H Listed on the Exchange (Note 1) YesStock code (if listed) 09668 DescriptionNumber of authorised/registered shares Par value Authorised/registered share capitalBalance at close of preceding month 6,200,555,000 RMB 1 RMB 6,200,555,000Increase / decrease (-) 0 RMB 0Balance at close of the month 6,200,555,000 RMB 1 RMB 6,200,555,0002 Class of shares Ordinary shares Type of shares Other type (specify in description) Listed on the Exchange (Note 1) NoStock code (if listed) - Description Domestic Unlisted SharesNumber of authorised/registered shares Par value Authorised/registered share capitalBalance at close of preceding month 11,561,445,000 RMB 1 RMB 11,561,445,000Increase / decrease (-) 0 RMB 0Balance at close of the month 11,561,445,000 RMB 1 RMB 11,561,445,000Total authorised/registered share capital at the end of the month: RMB 17,762,000,000Page 1 of 10 v 121FF301II Movements in Issued Shares and/or Treasury Shares and Public Float Sufficiency Confirmation1 Class of shares Ordinary shares Type of shares H Listed on the Exchange (Note 1) YesStock code (if listed) 09668 DescriptionNumber of issued shares (excluding treasury shares) Number of treasury shares Total number of issued sharesBalance at close of preceding month 6,200,555,000 0 6,200,555,000Increase / decrease (-) 0 0Balance at close of the month 6,200,555,000 0 6,200,555,000Public float sufficiency confirmation (Note 4)Pursuant to Main Board Rule 1332D(1) or 19A28D(1) / GEM Rule 1737D(1) or 2521D(1), we hereby confirm that, in relation to the class of shares as set out above, as at the close of the month:✔ the applicable public float requirement (see below) has been complied withthe applicable public float requirement (see below) has not been complied withThe applicable minimum public float requirement for the class of shares as set out above pursuant to Main Board Rule 1332B or 19A28B / GEM Rule 1737B or 2521B (as the case may be) is: Applicable public float threshold Initial Prescribed Threshold - the minimum percentage of public float prescribed at the time of listing (please specify the percentage in "Minimum prescribed public float at the time of listing" below)Minimum prescribed public float at the time of listing Percentage: 1837% of the total number of issued shares in the class to which the listed shares belong (excluding treasury shares)Additional information2 Class of shares Ordinary shares Type of shares Other type(specify in description) Listed on the Exchange (Note 1) NoStock code (if listed) - Description Domestic Unlisted SharesNumber of issued shares (excluding treasury shares) Number of treasury shares Total number of issued sharesBalance at close of preceding month 11,561,445,000 0 11,561,445,000Increase / decrease (-) 0 0Balance at close of the month 11,561,445,000 0 11,561,445,000Page 2 of 10 v 121FF301III Details of Movements in Issued Shares and/or Treasury Shares(A) Share Options (under Share Option Schemes of the Issuer) Not applicablePage 3 of 10 v 121FF301(B) Warrants to Issue Shares of the Issuer Not applicablePage 4 of 10 v 121FF301(C) Convertibles (ie Convertible into Shares of the Issuer) Not applicablePage 5 of 10 v 121FF301(D) Any other Agreements or Arrangements to Issue Shares of the Issuer, including Options (other than Share Option Schemes) Not applicablePage 6 of 10 v 121FF301(E) Other Movements in Issued Shares and/or Treasury Shares Not applicablePage 7 of 10 v 121FF301IV Information about Hong Kong Depositary Receipt (HDR) Not applicablePage 8 of 10 v 121FF301V Confirmations Not applicableSubmitted by: WANG JinhongTitle: Chairman(Director, Secretary or other Duly Authorised Officer)Page 9 of 10 v 121FF301Notes1 The Exchange refers to The Stock Exchange of Hong Kong Limited2 In the case of repurchase of shares (shares repurchased and cancelled) and redemption of shares (shares redeemed and cancelled), "date of event" should be construed as "cancellation date"In the case of repurchase of shares (shares held as treasury shares), "date of event" should be construed as "date on which shares were repurchased and held by the issuer in treasury"3 The information is required in the case of repurchase of shares (shares repurchased for cancellation but not yet cancelled) and redemption of shares (shares redeemed but not yet cancelled) Please state the number of shares repurchased or redeemed during the month or in preceding month(s) but pending cancellation as at close of the month as a negative number4 "Initial Prescribed Threshold”, "Alternative Threshold” and "market value" have the meanings ascribed thereto under Main Board Rule 1332A or 19A28A / GEM Rule 1737A or 2521A See also Main Board Rule 1332D(4) or 19A28D(4) / GEM Rule 1737D(4) or 2521D(4) on the basis of the public float disclosure5 Items (i) to (viii) are suggested forms of confirmation The listed issuer may amend the item(s) that is/are not applicable to meet individual cases Where the issuer has already made the relevant confirmations in a return published under Main Board Rule 1325A / GEM Rule 1727A in relation to the securities issued, or the treasury shares sold or transferred, no further confirmation is required to be made in this return6 “Identical” means in this context:． the securities are of the same nominal value with the same amount called up or paid up;． they are entitled to dividend/interest at the same rate and for the same period, so that at the next ensuing distribution, the dividend/interest payable per unit will amount to exactly the same sum (gross and net); and． they carry the same rights as to unrestricted transfer, attendance and voting at meetings and rank pari passu in all other respectsPage 10 of 10 v 121
ISSUER FOR SECURITIES ON IN
2026-04-08 17:11:06
Announcements & Notices
2025 ANNUAL RESULTS ANNOUNCEMENT
Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcementCHINA BOHAI BANK CO, LTD渤海銀行股份有限公司(A joint stock company incorporated in the People’s Republic of China with limited liability)(Stock Code: 9668)2025 ANNUAL RESULTS ANNOUNCEMENTThe Board of Directors (the “Board”) of CHINA BOHAI BANK CO, LTD (the “Bank”) hereby announces the audited consolidated results of the Bank and its subsidiary for the year ended December 31, 2025 This announcement, containing the full text of the 2025 annual report of the Bank, complies with the requirements of the Rules Governing the Listing of Securities on The Stock Exchange of Hong Kong Limited relating to information to accompany preliminary announcements of annual resultsPUBLICATION OF ANNUAL RESULTS ANNOUNCEMENT AND ANNUAL REPORTThe Chinese and English versions of this results announcement are available on the website of Hong Kong Exchanges and Clearing Limited ( wwwhkexnewshk) and the website of the Bank ( wwwcbhbcomcn) If there are any discrepancies in interpretations between the Chinese and English versions, the Chinese version shall prevail The printed version of the Bank’s 2025 annual report will be despatched to the holders of H shares of the Bank requiring printed copy subsequently and will be available for viewing on the website of Hong Kong Exchanges and Clearing Limited ( wwwhkexnewshk) and the website of the Bank ( wwwcbhbcomcn) in due courseBy order of the BoardCHINA BOHAI BANK CO, LTDWANG JinhongChairmanTianjin, ChinaMarch 26, 2026As at the date of this announcement, the Board comprises Mr WANG Jinhong and Mr QU Hongzhi as executive directors; Mr AU Siu Luen, Ms YUAN Wei, Ms CUI Hongqin, Mr HU Aimin and Mr ZHANG Yunji as non-executive directors; and Mr TSE Yat Hong, Mr SHUM Siu Hung Patrick, Ms WANG Aijian, Mr LIU Junmin, Mr LIU Lanbiao and Mr OUYANG Yong as independent non-executive directorsAnnual Report 2025Chairman’s Statement 5Chairman’s StatementIn 2025, China Bohai Bank adhered to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, and fully studied and implemented the spirit of General Secretary Xi Jinping’s important discourses on financial work and his key remarks during his visit to Tianjin Adhering to keeping political consciousness in mind and putting people first in the financial work, with serving the real economy as the fundamental purpose, the Bank intensified and solidified the “five priorities”, and pursued the “Nine-Five-Three-One” development strategy The Bank forged ahead with determination and pursued reform and transformation with steady progress and improved quality in its overall operations Attributable to the enhanced Party building, the path of differentiated development became clearer, the intensive development continued to advance in depth, the risk management and compliance system implemented iterative upgrades, and the technology-empowered foundation was renewed and set in motion The Bank maintained growth in both operating income and net profit with stable outlook for international ratings, thus successfully concluding the 14th Five-Year Plan and laying a solid foundation for the launch of the 15th Five-Year PlanIn 2026, China Bohai Bank is entering a pivotal stage for deepening reform, transformation and development We will implement the decisions and deployments of the Party Central Committee, insist on the Party’s overall leadership, establish and practice a correct view of political achievements, and enhance the in-depth integration of Party building and business The Bank will adhere to a problem-oriented, action-oriented, and value-oriented approach, systematically advance various key tasks for transformation and development, focus on key objectives and build a solid foundation for transformation and development The Bank will deepen the “Nine Major Banks” initiative to showcase distinctive transformation and development, strengthen risk control support to enhance the foundation of transformation and development, solidify fundamental safeguards to elevate the quality of transformation and development, and fully advance the fundamental leap from “experience-driven” to “mechanism-driven” in operational management, ensuring the robust, orderly, and effective implementation of the “Nine-Five-Three-One” strategyDuring the 15th Five-Year Plan period, China Bohai Bank is committed to creating value through exceptional service and becoming a trusted professional bank for our customers We are also dedicated to refining our comparative advantages through our relentless pursuit of excellence with the aim of evolving into a distinctive boutique bank We will focus on achieving intensive development through strengthened governance with the aim of emerging as a value-driven bank committed to high-quality development We will always uphold our original aspiration for high-quality development, maintain our confidence in reform and transformation, strengthen our determination to enhance quality and efficiency, and persevere with dedication to achieve China Bohai Bank’s high-quality developmentWANG JinhongChairmanMarch 26, 2026CHINA BOHAI BANK CO, LTDAnnual Report 20256 President’s StatementPresident’s StatementIn 2025, the senior management of China Bohai Bank adhered to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era Following the directives set by the Party Committee and the Board of Directors of the Bank, we were committed to the general principle of pursuing progress while ensuring stability by promoting stability through progress, upholding fundamental principles while driving innovation, and establishing new practices before phasing out old ones Through systematic integration and synergistic collaboration, our key operational indicators continued to show steady improvement, continuously consolidating our positive growth trajectoryIn 2025, we remained dedicated to our mission, delivering on our commitments by deeply advancing the “five priorities” of finance We continuously strengthened our development foundation, deepened the development of our products and services, iteratively upgraded our business models, and comprehensively reinforced our risk management barriers, thereby achieving new success in serving the real economy The systematic execution of the “Nine-Five-Three-One” strategy facilitated deeper organic growth, which enabled us to strive for an optimal balance across multiple goals and tasks, leading to new breakthroughs in high-quality development As of the end of the Reporting Period, total assets amounted to RMB1,934,410 million, representing a year-on-year increase of 491%, while total liabilities amounted to RMB1,809,183 million, representing a year-on-year increase of 435% Net assets per share attributable to ordinary Shareholders of the Bank were RMB587, representing an increase of RMB029 as compared to the previous year The NPL ratio was 166%, representing a decrease of 01 percentage point as compared to the previous year, reflecting a continuous improvement in asset qualityNone of these achievements would have been possible without the support and assistance of all parties, and above all, the pragmatic and dedicated efforts of every member of our team We extend our gratitude to all sectors of society for their continued care and support for China Bohai Bank, and we thank all our employees for their hard work and unwavering commitmentIn 2026, the senior management of China Bohai Bank will earnestly follow General Secretary Xi Jinping’s important discourses on financial work and the spirit of the Central Economic Work Conference Adhering to the decision and deployment of the CPC Central Committee and the State Council, we will fully comply with the requirements of the Tianjin Committee of the CPC, Tianjin Municipal People’s Government and regulatory authorities Under the leadership of the Party Committee of the Bank, we will foster and apply a correct perspective on political performance, firmly uphold the fundamental purpose of serving the real economy with financial services, and remain anchored in the pursuit of high-quality development We will systematically coordinate our current steady operations with future sustainable development and adhere to refined management and targeted business expansion to optimize our existing portfolio through incremental growth while enhancing quality and efficiency, as well as complete all our annual targets and tasks in all aspects Through determined and practical actions, we will write a new chapter in China Bohai Bank’s journey towards high-quality developmentQU HongzhiPresidentMarch 26, 2026CHINA BOHAI BANK CO, LTD
RESULTS ANNUAL ANNOUNCEMENT
2026-03-26 21:40:55
Regulatory Documents
LIST OF DIRECTORS AND THEIR ROLES AND FUNCTIONS
CHINA BOHAI BANK CO, LTD渤海銀行股份有限公司(A joint stock company incorporated in the People’s Republic of China with limited liability)LIST OF DIRECTORS AND THEIR ROLES AND FUNCTIONSThe members of the board of directors (the “Director(s)”) of CHINA BOHAI BANK CO, LTD (the “Board”) are set out below:Executive Directors:Mr WANG Jinhong (Chairman)Mr QU HongzhiNon-executive Directors:Mr AU Siu Luen (Vice chairman)Ms YUAN Wei Ms CUI Hongqin Mr HU AiminMr ZHANG YunjiIndependent Non-executive Directors:Mr TSE Yat HongMr SHUM Siu Hung Patrick Ms WANG AijianMr LIU Junmin Mr LIU LanbiaoMr OUYANG Yong1The Board has established five committees The table below provides membership information of these committees on which each Board member servesRisk Audit and Development Management Related Party Consumer Nomination Strategy and Committee and Green Transactions Rights and InclusiveFinance Control Protection Remuneration Finance Director Committee Committee Committee Committee CommitteeMr WANG Jinhong Member ChairpersonMr QU Hongzhi Member Member MemberMr AU Siu Luen Member Member Member MemberMs YUAN Wei Member MemberMs CUI Hongqin MemberMr HU Aimin MemberMr ZHANG Yunji Member MemberMr TSE Yat Hong Member Member ChairpersonMr SHUM Siu Hung Patrick Member Member Member MemberMs WANG Aijian Member MemberMr LIU Junmin ChairpersonMr LIU Lanbiao Member Member MemberMr OUYANG Yong Chairperson Chairperson MemberTianjin, China March 25, 20262
THEIR AND ROLES DIRECTORS OF
2024-04-19 10:04:19
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Announcements & Notices
CHANGE OF NON-EXECUTIVE DIRECTOR
Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcementCHINA BOHAI BANK CO, LTD渤海銀行股份有限公司(A joint stock company incorporated in the People’s Republic of China with limited liability)(Stock Code: 9668)CHANGE OF NON-EXECUTIVE DIRECTORReferences are made to the announcement dated October 10, 2025, the circular of the 2025 third extraordinary general meeting dated October 24, 2025 (the “Circular”) and the announcement of the poll results of the 2025 third extraordinary general meeting dated November 14, 2025 of CHINA BOHAI BANK CO, LTD (the “Bank”), in relation to, among others, the resignation of Mr DUAN Wenwu as a non-executive Director of the Bank and the election of Ms CUI Hongqin as a non-executive Director of the Bank Unless otherwise defined, capitalised terms used herein shall have the same meanings as those defined in the CircularThe Bank has recently received the Approval from the National Financial Regulatory Administration on the Qualification of CUI Hongqin as Director of China Bohai Bank (Jin Fu [2026] No 153) The National Financial Regulatory Administration has approved the qualification of Ms CUI as a Director of the Bank Ms CUI has been a non-executive Director of the sixth session of the Board of the Bank and a member of the Development Strategy and Inclusive Finance Committee of the Board since March 23, 2026 Mr DUAN has ceased to be a non-executive Director of the sixth session of the Board of the Bank and a member of the Development Strategy and Inclusive Finance Committee of the Board with effect from the same date The Board would like to express its sincere gratitude to Mr DUAN for his contribution to the development of the Bank during his tenure of office and would like to take this opportunity to welcome Ms CUI on her new appointments in the Bank Please refer to the Circular for the biographical details of Ms CUIBy order of the BoardCHINA BOHAI BANK CO, LTDWANG JinhongChairmanTianjin, ChinaMarch 25, 2026As at the date of this announcement, the Board comprises Mr WANG Jinhong and Mr QU Hongzhi as executive directors; Mr AU Siu Luen, Ms YUAN Wei, Ms CUI Hongqin, Mr HU Aimin and Mr ZHANG Yunji as non-executive directors; and Mr TSE Yat Hong, Mr SHUM Siu Hung Patrick, Ms WANG Aijian, Mr LIU Junmin, Mr LIU Lanbiao and Mr OUYANG Yong as independent non-executive directors
CHANGE DIRECTOR NON-EXECUTIVE OF
2026-03-25 19:00:11
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