The Bank strictly implements national social insurance and housing provident fund policies. The Bank ensures timely and full payment of social insurance and housing provident fund contributions for all full-time employees (including full-time contract and labor dispatch staff). Additionally, the Bank provides supplementary medical insurance and enterprise annuity for labor contract-based employees. 

1. Employee Insurance and Supplementary Medical Insurance　 

In accordance with the China CITIC Bank Enterprise Annuity Implementation Rules, beyond basic pension insurance, full-time contract employees who have completed their probationary period may voluntarily join the Bank’s enterprise annuity plan under the principle of equal consultation. 

Per the China CITIC Bank Supplementary Medical Insurance Management Measures (Version 6.0, 2024), in addition to basic medical insurance, supplementary medical insurance is provided for full-time contract employees who have completed their probationary period. This coverage includes outpatient/emergency care, hospitalization, and critical illness treatments at designated domestic medical institutions, with premiums fully borne by the Bank. 

2. Leave Policy 

The Bank attaches importance to ensuring that all employees enjoy the right to take leave. Under the China CITIC Bank Employee Attendance Management Regulations, employees are entitled to various types of leave, including annual leave, personal leave, maternity leave1, parental leave2, and caregiver leave3. Among these, annual leave, marriage leave, paternity leave, parental leave, and care leave are paid leave. Female employees are guaranteed paid maternity leave with compensation no less than the statutory minimum wage. Employees on maternity leave also receive maternity allowances. The Bank continuously optimizes leave benefits, and timely updates and improves various leave policies based on local regulations and requirements.　 

3. Employee Physical and Mental Health 

The Bank advocates and promotes the concept of “Health for All”, integrating health management into employees’ daily lives to safeguard their physical and mental well-being. 

3.1 Health Management  

●Optimized Health Checkups: The Bank upgraded uniform health checkup packages to diversified categories tailored to employees’ age groups, offering more options. Medical experts are invited to interpret checkup reports and provide professional advice. 

●Enhanced Health Initiatives: Regular health lectures by medical experts are organized to raise awareness of disease prevention and healthy lifestyles. The Bank launched the “Healthy Life” campaign series, including nutrition workshops, weight-loss programs, on-site medical consultations, and expert clinics at headquarters, to improve employees’ health. 

●Sports Activities: Regular events such as staff sports meets, walking challenges, and table tennis competitions are held to encourage physical activity and enhance fitness. 

3.2 Psychological Support 

Employees can access 24/7 psychological counseling services through external professional partners via dedicated hotlines and instant messaging platforms. Regular mental health tips, online and offline workshops, and one-on-one on-site counseling sessions are provided to headquarters employees to help alleviate work and life stress. 

4. Caring for Female Employees 

The Bank prioritizes the rights and well-being of female employees. The China CITIC Bank Special Collective Agreement on the Protection of Female Employees’ Rights includes provisions to safeguard their legal and special interests, such as preventing workplace violence and sexual harassment, providing injury assistance, mental health interventions, emergency leave, and menopause protection. The Bank ensures policy guarantees for maternity leave, prenatal checkup leave, breastfeeding leave, and childcare leave, with female employees receiving maternity allowances during leave and a half-day holiday on International Women’s Day. 

In 2024, the Bank reviewed and approved the China CITIC Bank Female Employees’ Hygiene Allowance Distribution Plan, granting a monthly hygiene allowance of RMB200 per person to further protect female employees’ legal and special rights. 

5. Employee Caring and Assistance 

The Bank continuously implements employee care and assistance programs to enhance employees’ sense of happiness and belonging. In 2024, the Bank provided routine support for employees experiencing life events such as marriage, childbirth, illness, financial hardship, retirement, and bereavement, reaching 60,391 employees with a total assistance amount of RMB21.0928 million. Additionally, 207 person-times, including employees facing difficulties, assistance program cadres, and families of disadvantaged model workers, received support totaling RMB1.335 million. The Bank organized 14 festive activities, such as distributing Spring Festival couplets at grassroots branches, Lantern Festival garden parties, and online quizzes, to create a warm and harmonious holiday atmosphere. Youth networking events were also held to foster communication among young employees. 

6. Occupational Health and Safety 

The Bank prioritizes workplace safety by rigorously conducting hazard inspections and remediation. Quarterly safety committee meetings are held to deploy safety measures, implement an all-staff safety responsibility system, and enforce grid-based safety management to foster a culture of “safety awareness for all”. Safety education campaigns, including “Fire Safety Month” and “Workplace Safety Month”, along with evacuation drills and emergency response training for security personnel, are organized to strengthen employees’ safety awareness and skills. Daily safety patrols, monthly inspections, and special checks during critical periods and holidays are conducted. Fire safety equipment is maintained to ensure operational readiness. In 2024, the Bank recorded zero safety-related incidents or cases. 

[1]Implemented in accordance with local regulations; taking Beijing as an example, female employees are entitled to 158 days of maternity leave for childbirth, with additional days provided based on specific birth conditions.

[2]Implemented in accordance with local regulations; taking Beijing as an example, male employees are entitled to 15 days of paternity leave when their spouses give birth.

[3]Implemented in accordance with local regulations; taking Beijing as an example, employees who have children in compliance with national policies may take 5 days of annual parental leave until the child turns three years old.