Mission Statement, Vision, & Core Values (2026) of Jiangsu Jiangyin Rural Commercial Bank Co.,LTD.

Rooted in Jiangyin's local economy, Jiangsu Jiangyin Rural Commercial Bank Co., Ltd. (JJRCCB) has built a mission to drive rural revitalization and inclusive finance through tailored lending to agriculture and small businesses, a vision that pairs sustainable, green finance with digital transformation, and core values centered on integrity, customer‑centricity and teamwork; reflecting that strategy, the bank reported a net profit of approximately ¥1.5 billion in 2022-a 10% year‑over‑year increase-and has expanded beyond Jiangyin with branches in Changzhou, Wuxi, and Suzhou, while continuing to prioritize support for small and micro enterprises, comprehensive digital banking solutions, and community development initiatives.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Intro

• Founded to serve rural and semi-urban communities with tailored financial products.
• Branch network expanded beyond Jiangyin into Changzhou, Wuxi, and Suzhou to broaden market reach.
• Focus areas: credit to small & micro enterprises, inclusive finance, agricultural value chains, and local infrastructure financing.

• Mission: Provide accessible, responsible finance that empowers local households, farmers, and small businesses to drive sustainable regional growth.
• Vision: Be the leading regional rural commercial bank in Jiangsu that integrates community banking traditions with modern digital services to enable inclusive prosperity.
• Core values: Local commitment, customer-centricity, financial inclusion, innovation, governance & prudence, and sustainable development.

• Support for small & micro enterprises through preferential lending programs and quicker credit decisioning supported by digital credit-scoring tools.
• Inclusive finance: lower-cost microloans, agricultural supply-chain finance, and targeted products for low-income households.
• Digital transformation: mobile and internet banking, e-payment services, and backend automation to improve efficiency and customer experience.
• Sustainable development: green lending policies and financing for local environmental and infrastructure projects.

• Net profit in 2022: ≈¥1.5 billion, up ~10% year-over-year from 2021, reflecting loan growth and improved fee income.
• Branch expansion: from a Jiangyin-centric network to additional branches in Changzhou, Wuxi, and Suzhou to capture urban-adjacent demand.
• Asset and loan growth: multi-year expansion driven by targeted SME and agricultural lending; total assets reached ~¥121.7 billion in 2022.
• Risk & capital: NPL ratio improved to ~1.2% in 2022 while maintaining a CAR above regulatory minima (~13.4%).

• Retail banking: deposits, mortgages, consumer loans, and wealth-management windows tailored to local customers.
• SME & agricultural finance: working capital, equipment loans, seasonal credit, and supply-chain finance solutions.
• Digital channels: mobile app, online account opening, electronic payments, and intelligent customer service to reduce service friction.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Overview

• Primary mission: provide high-quality financial services that promote economic growth, enhance customer satisfaction, and support the agricultural sector.
• Local focus: prioritize financial needs of the Jiangyin community and surrounding areas to foster sustainable regional development.
• Customer empowerment: deliver tailored solutions for individuals, SMEs, and agricultural producers to improve household and business prosperity.
• Integration of practices: combine traditional banking relationships with digital channels and innovative products.
• Inclusivity: ensure accessible services for diverse clients, with emphasis on small/micro-enterprise financing.
• Strategic alignment: mission supports goals of improving customer experience and driving local economic development through product innovation.

• Agricultural and rural finance: targeted loan products, mortgage and equipment financing for farms and cooperatives, and seasonal lending windows aligned with crop cycles.
• SME lending and microcredit: streamlined credit products, supply-chain financing, and credit guarantee cooperation to close financing gaps for local enterprises.
• Retail and wealth services: deposit, mortgage, and digital banking solutions aimed at improving customer convenience and retention.
• Digital transformation: mobile and online channels, data-driven credit scoring for underserved clients, and digital payment integrations with local commerce.
• Community development: financial education, preferential rates for priority sectors, and partnerships with local governments to support infrastructure and small-business programs.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ) - Mission Statement

• Customer-first service: provide tailored deposit, credit, wealth-management and payment solutions to retail and SME clients across urban and rural catchments.
• Rural economic support: prioritize agricultural financing, small- and micro-enterprise loans, and supply-chain credit to strengthen local value chains.
• Sustainable and green banking: develop green loan products, ESG-linked financing, and internal carbon-awareness policies to align lending with environmental stewardship.
• Digital modernization: integrate mobile, internet and core-banking upgrades to raise convenience, reduce cost-to-serve, and expand remote access to financial services.
• Talent and governance: cultivate professional skills, risk-aware culture and robust compliance to sustain service quality and regulatory alignment.

• Expand agricultural and SME credit programs with tailored underwriting standards, aiming to increase rural loan penetration while maintaining asset quality.
• Launch and scale green finance products; set internal targets for green lending growth and reporting to track environmental impact.
• Accelerate digital channels-mobile banking, e-loan origination, and automated customer service-to raise digital transaction share and reduce unit servicing costs.
• Strengthen capital and liquidity metrics to support growth: optimize deposit mobilization, diversify wholesale funding, and maintain regulatory buffers.
• Invest in staff training, risk systems and governance frameworks to protect asset quality and ensure compliance with banking regulations.

Jiangsu Jiangyin Rural Commercial Bank Co.,LTD. (002807.SZ): Vision Statement

• Integrity - Uphold ethical behavior, regulatory compliance, and full transparency in disclosures, risk management, and customer interactions.
• Customer-centricity - Prioritize customer needs through tailored products, omnichannel service, and measurable satisfaction metrics.
• Innovation - Invest in fintech, process automation, and data analytics to increase efficiency and create new revenue streams.
• Social responsibility - Support local economic development, SME financing, and community welfare programs.
• Teamwork - Foster cross-functional collaboration, talent development, and a unified corporate culture.
• Sustainability - Promote green finance products, reduce operational carbon footprint, and integrate ESG into credit assessment.

• Integrity: strengthened internal controls and compliance monitoring - periodic external audits and a governance scorecard tied to executive incentives.
• Customer-centricity: expanded microcredit and mortgage offerings with streamlined approval times - reported average retail loan approval reduced to 4.2 days.
• Innovation: launched a digital banking platform handling 74% of account openings and enabling automated credit-scoring for SME applicants.
• Social responsibility: deployed targeted SME relief programs, disbursing RMB 3.2 billion in favorable-term loans to local enterprises in the latest relief cycle.
• Teamwork: implemented cross-departmental training reaching 1,200 staff annually, improving service consistency and internal mobility.
• Sustainability: rolled out green-deposit products and issued internal guidelines to increase green loan share to 5.5% of total corporate lending.