Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.

Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. (ZRC Bank), founded in November 2001, is the first rural commercial bank in China and was listed on the Shenzhen Stock Exchange in January 2017. The bank is dedicated to serving agriculture, rural regions, farmers, and the county economy, as well as small and medium-sized enterprises and individual customers. With a focus on cross-regional development, ZRC Bank has established a robust organizational regime and risk management system to support its operations. ZRC Bank's business operations are divided into four main sectors: corporate finance, inclusive finance, financial market, and E-finance. The bank has a strong presence in Zhangjiagang and has expanded its reach to other cities in the Yangtze River Delta. It emphasizes inclusive finance and has developed a comprehensive service capability, leveraging financial technology to enhance its offerings. ZRC Bank aims to support the real economy and rural revitalization while maintaining a focus on quality and efficiency in its operations.

1. ZRC Bank is a commercial bank with deep cultivation of local and cross regional development. Zhangjiagang, where our headquarter is located, is one of the strongest comprehensive county-level cities in China, ranking among the top three in top 100 counties of China throughout the year. The economic structure of Zhangjiagang is relatively distinct and the economic pillar is prominent. Private sector, economies of scale and export-oriented economy share a triple balance of power. As the only first-tier bank institution in Zhangjiagang, ZRC bank has efficient-decision making process, the most vast branches and the widest coverage, and the natural information advantage formed by localization and the broad and solid customer base. After years of deep cultivation, our share of local deposit and loan market ranks in the forefront. In meantime, we have set up branches in Suchow, Wuxi and Nantong, three central cities in the Yangtze River Delta. There are also 19 sub-branches inside the province, 2 sub-branches outside the province, controlling 2 rural banks and investing in 5 rural commercial banks, making space for the sustainable development of the bank's business in the future. 2. ZRC Bank is a commercial bank with distinctive business operation characteristics. We have established the mission of "Making Inclusive Finance within Reach", adhered to the strategic positioning of supporting agriculture and supporting small businesses, focusing on serving small, medium-sized and micro enterprises, serving the real economy and rural revitalization of rural areas. We have reached more than 70% of the financial service coverage of small and medium-sized enterprises in Zhangjiagang, and explored a differentiated and characteristic development path. The proportion of individual loans in total loans has gradually increased and the transformation of retail banks has achieved remarkable results. 3. ZRC Bank is a commercial bank with digital application empowers business development. We took the leading role in setting up a model laboratory within the system of Jiangsu rural commercial bank. The lab is positioned as a technology driven financial innovation and empowerment center, using emerging technologies such as big data, artificial intelligence and block-chain to strengthen the ability of financial big data mining and analysis, and to promote digital marketing, digital operation and digital risk control. The application of financial technology enables the high-quality development of the ZRC bank's business. 4. ZRC Bank is a commercial bank with comprehensive service capability.We paid attention to strengthening the coordinated development and integration of four major sectors,customer operation capabilities, industry research capabilities, collaborative transmission capabilities, financial technology capabilities, and organizational evolution capabilities support system to form a comprehensive financial services capability. ZRC Bank has become a “Comprehensive Service Provider” for the real economy and various types of customers. 5. ZRC Bank is a commercial bank with stereoscopic marketing network system. We have focused on the implementation of the "Internet plus" strategy, vigorously developed in financial technology, innovated and improved telephone banking, Internet banking, mobile banking, WeChat banking, intelligent super counters and various types of Internet finance. We have established a stereoscopic online marketing system of "Online + offline" and "traditional + modern". 6. ZRC Bank is a commercial bank with steady improvement in quality and efficiency. We insists on focusing on quality and efficiency, vigorously preventing and controlling risks. By deepening transformation, ZRC Bank makes great contributions to improving quality and efficiency. For a long time,our core business indicators have always maintained the leading level in the bank industry and achieved high-quality development.