The Bank continuously strengthens the development of its business ethics training system. It has established a tiered, categorized, and diversified business ethics training system for all employees (including labor dispatch employees). This system differentiates between various groups such as Board of Directors and Board of Supervisors members, all employees, key-position employees, and new recruits, clearly defining key educational focuses and launching a differentiated training curriculum system. Through centralized learning, online courses, compliance advocacy, and surprise quizzes, the Bank consistently communicates compliance requirements to institutions at all levels and employees. These requirements include consciously resisting and strictly prohibiting participation in illegal activities such as money laundering, commercial bribery, insider trading, and illicit gains, as well as misconduct such as misappropriating customer or bank funds for personal gain by abusing positions or work privileges. The Bank continuously guides employees to become conscious practitioners of compliance principles and staunch guardians of a clean financial culture.

1. Members of the Board of Directors and Board of Supervisors 

The Bank actively organizes training sessions facilitated by regulatory authorities and industry associations for members of the Board of Directors and Board of Supervisors to ensure they stay updated on the latest laws, regulations, and supervisory requirements, thereby enhancing their governance capabilities. In 2024, directors and supervisors participated in specialized training programs covering topics such as amendments to the Company Law, reforms to the independent director system for listed companies, integrity building, legal interpretations of financial fraud cases, anti-money laundering, anti-fraud, investor protection and relations, market value management, information disclosure, and ESG and sustainable development. These programs further strengthened their governance expertise and decision-making proficiency. 

2. All Employees (including all full-time employees and labor dispatch employees)　 

The Bank attaches great importance to strengthening business ethics training and compliance education for all employees. For the ninth consecutive year, the Bank organized the annual Risk and Compliance Culture Season, focusing on education in four key areas: compliance, risk management, integrity, and rule of law. In 2024, the Bank conducted over 20,000 risk and compliance awareness sessions and implemented the “Four Ones” integrity education initiative1. Multi-form legal publicity campaigns were also carried out to clearly convey the principles of integrity and compliance in professional conduct. These efforts covered all 58,000+ employees, continuously improving business ethics performance and fostering a strong commitment to the operational philosophy of “Integrity and Compliance” across the entire workforce. 

The Bank has established a “four-in-one” compliance culture advocacy mechanism integrating “Training, Roadshows, Warnings, and Education”. Innovatively, it launched the “Compliance Classroom” program, encompassing “Top Executive Compliance Sessions”, “Business-Line Compliance Training”, and “Bank-Wide Online Compliance Courses”. Throughout the year, over 10,000 warning education sessions were conducted. The Bank organized comprehensive compliance examinations for all employees, conducted more than 370 surprise compliance quizzes, and delivered over 1,480 compliance roadshows and face-to-face sessions at grassroots institutions. Leveraging channels such as the Risk and Compliance Culture Subscription Account and the “New 5C Compliance Platform”, the Bank disseminated various compliance education materials and typical cases of violations, employing multiple approaches to reinforce the transmission of business ethics and compliance principles to the frontline. 

In 2024, the Bank convened three bank-wide warning education conferences. It consistently disclosed typical violations by name during important bank-wide meetings, clearly articulating a zero-tolerance stance and emphasizing severe penalties. 

3. Compliance Staff 

The Bank conducts regular training for compliance staff, organizing periodic specialized training programs on case prevention and conduct management, authorization management, related-party transaction management, and anti-money laundering management. Through various methods such as on-the-job training and thematic workshops, the Bank continuously cultivates and enhances the professional competence and business ethics of its compliance talent pool. Targeted centralized training is provided annually for heads of branch compliance departments, covering areas such as employee conduct management, case prevention and control, and disciplinary accountability, consistently strengthening compliance management capabilities. 

4. Key-Position Employees　　 

The Bank continuously conducts compliance education and advocacy for critical roles at grassroots institutions, including heads, client managers, and wealth managers. Annual compliance training is organized for newly appointed branch managers, while regular compliance training for business lines and anti-corruption warning education activities are conducted routinely. These efforts deepen key-position employees' understanding of business ethics and compliant behavior, effectively enhancing their compliance awareness. 

5. New Employees　　 

The Bank integrates compliance courses into new employee training, emphasizing prohibited conduct regulations, the Bank’s compliance management system, and compliance culture concepts to foster proactive compliance awareness among new hires. The Bank persists in conducting training for the “Three New” personnel (new recruits, transferred employees, and promoted staff), requiring successful completion of examinations before assuming duties. Simultaneously, by developing long-form infographic learning materials and online video courses, the Bank ensures effective delivery of compliance education resources. This guarantees that new recruits master essential compliance and risk knowledge required for their roles, thereby enhancing their compliance awareness and risk prevention capabilities. 

6. Anti-Money Laundering (AML) Staff 

The Bank's AML training centers on the dissemination and implementation of the Anti-Money Laundering Law of the People’s Republic of China. The Bank issued the 2025 Plan for AML Awareness, Training, and Examination Work, implementing tiered and categorized AML training programs and organizing diverse training activities. These initiatives deepen all employees’ sense of responsibility and risk awareness regarding “understanding, adhering to, and abiding by regulations”, continuously improving the AML performance capabilities of staff at all levels across the Bank. 

The Head Office issued the Notice on Deepening the Study and Implementation of the Anti-Money Laundering Law of the People's Republic of China, developed two E-QiXue online learning modules, and organized bank-wide online learning. In collaboration with the Human Resources Department, the Bank hosted an AML Grand Lecture, inviting external experts to instruct full-time and part-time AML personnel from the Head Office and branches on the latest performance requirements. Specialized training was provided for branch compliance and business line staff, covering topics such as the implementation of the new AML Law, high-risk customer and business management, customer due diligence and risk rating controls, issues identified in post-supervision checks, and analysis of typical cases. 

[1]Conduct a warning education session, carry out a family visit to promote integrity, organize a clean governance exhibition, and develop a script for a clean governance video.