Jiangsu Jiangyin Rural Commercial Bank Co., Ltd.

Jiangsu Jiangyin Rural Commercial Bank Co., Ltd., established on December 3, 2001, is one of the first three joint-stock rural commercial banks in China. Listed on the Shenzhen Stock Exchange in 2016, Jiangyin Bank operates with a focus on serving the local economy, particularly in agriculture, rural areas, and small to medium-sized enterprises. The bank's headquarters is located in Jiangyin, where it has developed a comprehensive network of 1 business department, 33 sub-branches, and 51 local branches, along with additional branches in nearby cities. The bank's primary business lines include retail banking, small and micro finance, and inclusive finance, all aimed at supporting local economic development. Jiangyin Bank has established strong relationships with local governments and has a significant market presence, leading in deposit and lending market share within Jiangyin. The bank is actively pursuing digital transformation and innovation in financial products, enhancing customer experience through technology and efficient service delivery. Its strategic focus on the agricultural sector and rural finance positions it as a key player in the region's financial landscape.

Depend on regional advantage, and cultivating local entity economy deeply. Jiangyin city is located in the geometric center of the Yangtze River Delta region, with developed manufacturing industry and active private economy. It ranks among the top 100 counties in China all year round and is honored as "The First County of Manufacturing in China" and "The First County of Capital in China". Our bank depends on the good regional environment, and cultivating local entity economy deeply.In the process of long-term services, our bank has gradually formed the good popularity geographical advantages, solid customer resources foundation as well as the deep relations with local governments to build. We have maintained a strong market competitiveness, while deposit and lending market share ranks first with obvious advantage among Jiangyin city. Firm market positioning and accelerate retail transformation. Our bank has always adhered to the market positioning of serving "agriculture, rural areas and farmers", serving small, medium and micro enterprises, actively practicing inclusive finance, brave as the main force of rural finance. In recent years, we have seized development opportunities,accelerated the transformation of retail, set up three full-time departments with small and micro finance Department, Inclusive finance Department, and retail finance department,take the road of the "troika" with these three full-time departments,set up direct sales team, carried out grid marketing, innovated business varieties, and constantly improved the competitiveness of financial products and comprehensive service. Grasp the industry trend, focus on the development of science and technology finance. The bank closely grasps the development trend of the financial industry, makes strategic plans, highlights the guidance of science and technology, and actively creates a "scene-oriented, personalized and intelligent" digital intelligence bank.First, deepen the reform of departmental structure, prepare to establish a full-time Department of network finance department and digital finance department, accelerate digital transformation, and help the bank's product innovation, precision marketing, channel innovation and fine management; Second, adhere to the goal of facilitating, favoring and benefiting the people, strengthen the application of science and technology, deepen multi-party cooperation, deepen scene construction, and strive to build a high-quality people's Fortune Life Bank; Third, actively promote the intelligent transformation of outlets, implement classified management of outlets, promote intelligent machines and tools, compress physical counters, and strive to improve the marketing ability and service efficiency of halls. Give full play to institutional advantages and continuously improve customer experience. The bank gave full play to the institutional advantages of primary legal persons, according to the idea of "strong front desk, efficient middle desk and intensive background", establish an intensive management structure in line with the requirements of listed banks, further shorten the decision-making chain, efficient approval process and decision-making mechanism, and improve market competitiveness in accordance with the requirements of "short, flat and fast".