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

Rooted in a legacy of rural finance that spans more than six decades, Jiangsu Changshu Rural Commercial Bank has grown from its founding on November 28, 2001 into a listed institution (Shanghai Stock Exchange code 601128) that champions 'inclusive finance, responsible bank' by prioritizing services for rural communities, agriculture, farmers, microfinance and SMEs; today the bank - recognized in the 'double top 500' and the global top 1000 by The Banker - manages financial investment assets of 109.849 billion yuan (accounting for 27% of total assets), employs over 7,000 staff across Jiangsu, and has been ranked No. 1 among county agricultural and commercial banks in the China Banking Association's inclusive finance evaluation for six consecutive years, all while pursuing a vision of customer-centric, technology-led, and green finance under core values of sincerity, responsibility, creation and benefit that drive community-focused innovation and regional development

Jiangsu Changshu Rural Commercial Bank Co., Ltd. (601128.SS) - Intro

Jiangsu Changshu Rural Commercial Bank Co., Ltd. (601128.SS) was established on November 28, 2001, as a joint-stock rural financial institution with institutional roots extending over 60 years. Listed on the Shanghai Stock Exchange on September 30, 2016 (601128), the bank concentrates on rural finance, agriculture, farmers, microfinance and community finance. Recognized in the 'double top 500' for global bank brand value and ranked among The Banker's Global Top 1000 Banks, the bank combines regional focus with growing national and international recognition. As of June 2025, financial investment assets stood at 109.849 billion yuan, representing 27% of total assets; total assets therefore approximate 406.481 billion yuan. The bank employs over 7,000 staff and operates an extensive branch network across Jiangsu Province.

• Established: November 28, 2001 (with predecessor institutions totaling >60 years of history)
• Listing: Shanghai Stock Exchange, 601128.SS - September 30, 2016
• Strategic focus: Rural areas, agriculture, farmers, microfinance, community finance
• Recognition: 'Double Top 500' bank brand value; The Banker Global Top 1000
• Employee base: >7,000
• Key financials (June 2025): Financial investment assets 109.849 billion yuan (27% of total assets)

Mission

Deliver inclusive, stable, and tailored financial services that strengthen rural economies, support agricultural modernization, and enhance livelihoods of farmers and small enterprises in Jiangsu and adjoining regions.

• Priority clients: smallholder farmers, agricultural enterprises, micro and small enterprises (MSEs)
• Core offering: deposit services, microloans, agricultural credit, supply-chain finance, community banking
• Operational target: maintain prudent asset quality while expanding micro and rural credit penetration

Vision

Become the leading rural commercial bank in China recognized for resilience, digital-enabled community finance, and measurable social impact across rural and peri-urban Jiangsu.

• Scale aim: sustainably grow total assets beyond 450 billion yuan over medium term while keeping investment-assets allocation balanced
• Digital transformation: expand digital channels to cover 95% of branchless transactions in core retail segments
• Social metrics: increase microloan outreach by 20% year-on-year in targeted counties

Core Values

• Customer-Centricity - prioritize accessibility and affordability for rural and micro clients
• Prudence - maintain conservative risk management and capital adequacy consistent with regulatory standards
• Local Commitment - invest in community development and agricultural modernization
• Innovation - adopt tailored digital solutions to lower costs and increase financial inclusion
• Integrity - transparent governance, compliance, and responsible lending

Selected Financial & Operational Snapshot (as of June 2025)

Further institutional background and detailed corporate history can be found here: Jiangsu Changshu Rural Commercial Bank Co., Ltd.: History, Ownership, Mission, How It Works & Makes Money

Jiangsu Changshu Rural Commercial Bank Co., Ltd. (601128.SS) - Overview

• Inclusive finance, responsible bank - committed to broadening access to financial services across rural and semi-urban communities while operating with prudence and social responsibility.
• Primary focus areas: rural areas, agriculture, and farmers; microfinance and community finance; SME and private-sector lending to support the real economy and rural revitalization.
• Longstanding recognition for inclusive finance: ranked No. 1 among county agricultural and commercial banks in the China Banking Association's evaluation system for six consecutive years.

• To be the premier regional rural-commercial bank that drives local economic growth and rural prosperity through accessible, responsible banking solutions.
• To leverage digital and branch-based delivery to deepen financial inclusion and improve household and enterprise livelihoods in its operating area.

• Responsibility - balancing commercial performance with social duties toward rural customers and SMEs.
• Accessibility - expanding channels and products to lower barriers to formal finance for underserved populations.
• Prudence - maintaining risk controls and asset quality while supporting credit demand in the local economy.
• Customer-Centricity - tailoring products for farmers, micro-enterprises, and private businesses to support employment and production.
• Innovation - adopting technology and process improvements to increase outreach and operational efficiency.

• Rural and agricultural banking: customized deposit, credit, and seasonal lending products designed to match farm production cycles and rural household cashflow patterns.
• Micro and community finance: small-ticket loans, group lending and micro-savings to expand formal financial access for low-income households and micro-enterprises.
• SME and private-sector support: working capital, trade financing, and investment credit targeted at private firms and local SMEs to sustain employment and regional supply chains.
• Risk & sustainability: credit underwriting calibrated to preserve asset quality while meeting the credit needs of the real economy and rural revitalization initiatives.

Jiangsu Changshu Rural Commercial Bank Co., Ltd. (601128.SS) - Mission Statement

• Customer-centric service: tailoring deposit, credit, and wealth solutions to the needs of individuals, small businesses, and local enterprises.
• Inclusive finance: expanding coverage for micro, small and medium-sized enterprises (MSMEs) and underserved customer segments.
• Technology-driven efficiency: adopting digital channels, data analytics, and fintech partnerships to improve accessibility and reduce costs.
• Green and social responsibility: promoting green finance products and integrating ESG considerations into lending and investment decisions.
• Regional development focus: prioritizing financing that supports local industry clusters, agriculture modernization, and infrastructure projects.

• Becoming an inclusive benchmark leading bank - expanding financial access and setting standards for rural and community banking.
• Becoming a science and technology leading bank - leveraging digital transformation, AI-driven credit assessment, and online channels to enhance speed, accuracy, and convenience.
• Becoming a regional happiness leading bank - improving quality of life through financial products that support employment, entrepreneurship, housing, and social welfare in the service region.
• Fostering local development - targeting lending and advisory services to individuals, households, and local enterprises to ensure alignment between banking tools and customers' real needs.
• Promoting environmental sustainability - actively developing green-credit lines, preferential financing for low-carbon projects, and internal initiatives to reduce the institution's environmental footprint.
• Commitment to continuous improvement - institutionalizing customer feedback loops, performance metrics tied to experience, and iterative product innovation.

Jiangsu Changshu Rural Commercial Bank Co., Ltd. (601128.SS) - Vision Statement

• Sincerity: operate with honesty and transparent governance to build long-term trust with customers, regulators, and investors.
• Responsibility: maintain prudent risk management and social accountability, prioritizing financial stability and depositor protection.
• Creation (Innovation): invest in digital platforms, fintech partnerships, and process automation to improve product reach and operational efficiency.
• Benefit: generate shared value-financial returns for shareholders while promoting economic development and welfare in the bank's service areas.

• Customer-centric service model - expand tailored SME, agricultural, and household financial solutions to increase client lifetime value and loyalty.
• Technology adoption - scale mobile and online channels, data analytics, and cybersecurity investments to capture digital-first customers.
• Community impact - provide credit, advisory, and microfinance programs that support local enterprises, infrastructure, and employment.
• Talent development - continuous staff training, leadership pipelines, and incentive systems to strengthen capabilities and retention.

• Ethics & transparency: rigorous disclosure practices, compliance frameworks, and stakeholder reporting to uphold market confidence.
• Superior service: multi-channel customer support and product customization to improve satisfaction and deepen household and SME relationships.
• Innovation investment: allocate capital and operating budgets to digital transformation initiatives and strategic IT upgrades.
• Community development: targeted lending quotas and CSR programs for agriculture, small business incubation, and local infrastructure.
• Employee empowerment: structured training hours, certification programs, and performance-linked career paths to cultivate professional growth.