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

At the heart of Jiangsu Zijin Rural Commercial Bank Co., Ltd. (601860.SS) lies a bold commitment to connect capital with communities across Jiangsu Province, channeling traditional banking strengths-especially tailored deposits and loans-into the lifeblood of rural communities and small to medium-sized enterprises (SMEs) so these often-underbanked actors can scale production, secure cash flow, and tap markets through a growing branch network and customer-centric services that prioritize integrity, innovation, sustainability and community commitment.

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) - Intro

• Primary customer segments: farmers, agricultural co-operatives, micro and small enterprises (MSEs), local public projects, and individual retail clients.
• Core products and services: deposits, short- and medium-term loans, agricultural supply-chain financing, microcredit, trade finance, and payment/settlement services.
• Distribution strategy: dense local branch network complemented by digital banking channels to reach underbanked rural populations.

• Provide inclusive, accessible financial services that support sustainable rural development and local economic resilience.
• Mobilize capital for agricultural modernization, rural infrastructure, and SME-driven employment.

• Be the leading rural commercial bank in Jiangsu that sustainably elevates rural incomes and enterprise competitiveness through tailored financial solutions and digital enablement.

• Community focus - prioritize long-term relationships with local customers and stakeholders.
• Prudence - maintain disciplined credit risk management while serving higher-touch, relationship-driven segments.
• Innovation - adopt digital tools to expand reach and lower costs for remote customers.
• Responsibility - support sustainable agricultural practices and community development projects.

• Agricultural finance: prioritize seasonal production loans, equipment financing, and agritech adoption financing to capture Jiangsu's advanced agricultural output.
• SME lending: provide working capital and trade financing to local supply chains-critical for Jiangsu's manufacturing clusters.
• Deposit mobilization: grow low-cost retail and household deposits through community branches and tailored saving products.
• Risk management: sustain NPL control through close customer relationships, collateral practices, and portfolio diversification across counties and sectors.

• Jiangsu Province's GDP scale and industrial-agricultural diversity present continuous credit demand in commercial agriculture, agro-processing, and logistics-segments where the bank's local knowledge and branch presence create competitive advantage.
• By financing both upstream primary producers and downstream SMEs, the bank helps capture value along local supply chains and supports regional employment.

• Solid asset growth and stable profitability metrics demonstrate the bank's ability to expand credit while managing credit quality.
• Moderate ROE and controlled NPL levels indicate balanced growth with conservative underwriting.

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) - Overview

• Mission: Bridge urban-rural financial services gaps, enhance financial inclusion, and empower local entrepreneurs, farmers, and households through tailored banking solutions.
• Target segments: Rural residents, family farms, rural SMEs, agribusiness processors, and township/village enterprises.
• Strategic focus: Accessibility, product tailoring, regional economic development, and community-oriented service delivery.

• Tailored lending: micro-loans, agricultural production loans, equipment financing, and SME working capital with simplified collateral and flexible repayment tied to crop cycles or business cash flow.
• Deposit mobilization: low-minimum rural deposit products and incentive programs to channel savings into local credit pools.
• Advisory & capacity building: financial literacy programs for farmers, credit counseling for SMEs, and digital on-boarding assistance to increase uptake.
• Digital inclusion: rollout of branch-lite and mobile solutions to reduce travel time and transaction cost for rural customers.

• Community-first culture: branch targets and staff incentives linked to outreach, financial inclusion KPIs, and credit quality rather than volume alone.
• Risk-aware growth: underwriting standards adapted for smallholder cashflow patterns, with crop/seasonal repayment structures and local collateral frameworks.
• Partnerships: collaboration with local governments, cooperatives, and agritech providers to expand distribution and improve credit assessment.

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) - Mission Statement

• Provide deposit, loan, payment and credit services adapted to farmers, rural microenterprises and local SMEs.
• Leverage a dense branch network and digital channels to increase financial inclusion across underbanked counties and townships.
• Support local economic development while maintaining asset quality and sustainable profitability.

• Agricultural finance: targeted credit products for crop cycles, equipment and agri-processing.
• SME lending: working capital, trade finance and supply-chain solutions for local enterprises.
• Retail banking: deposit mobilization, household mortgages, microloans and payment services in rural communities.
• Digital outreach: mobile and agent banking to reach sparsely populated areas with low-cost service delivery.

• Inclusivity - prioritize underserved customers and regions.
• Prudence - conservative underwriting and disciplined risk controls.
• Community focus - reinvest in local economies and human capital.
• Service excellence - simplify access and speed of delivery for rural clients.
• Innovation - adopt cost-effective digital tools compatible with rural contexts.

• Concentration in Jiangsu Province to capture industrial linkages, agribusiness clusters and township enterprises.
• Product designs that reflect seasonal agricultural cash flows and SME working capital cycles.
• Collaboration with local governments and agricultural cooperatives to expand outreach and credit guarantee schemes.

Jiangsu Zijin Rural Commercial Bank Co.,Ltd (601860.SS) - Vision Statement

• Integrity - Upholding ethical conduct, regulatory compliance, and full transparency across corporate governance, credit decisions, and customer interactions.
• Customer focus - Prioritizing tailored retail and SME solutions, with service models designed to place customer needs at the center of product design and branch/online delivery.
• Innovation - Leveraging digital channels, fintech partnerships, and process automation to improve efficiency, time-to-service, and customer experience.
• Community commitment - Actively financing local agriculture, rural SMEs, and infrastructure projects to drive employment, income generation, and regional GDP growth.
• Responsibility - Balancing obligations to government, regulators, shareholders, employees and society through prudent capital management, compliance, and stakeholder engagement.
• Sustainability - Integrating environmental and social considerations into lending practices and internal operations to reduce environmental footprint and support green initiatives.

• Expand deposit footprint and deepen SME lending to bolster regional economic resilience.
• Accelerate digital adoption (mobile banking, e-KYC, loan automation) to reduce costs and increase accessibility.
• Strengthen credit risk frameworks and NPL remediation to preserve capital and investor confidence.
• Increase community-facing programs (financial literacy, agricultural advisory) to cement social license to operate.
• Adopt green-lending standards and ESG reporting to align with sustainability commitments.

• Integrity: strengthened internal audit cycles and compliance headcount increased by 18% to ensure transparency and regulatory alignment.
• Customer focus: launched streamlined SME loan product reducing average approval time from 12 days to 4 days.
• Innovation: mobile active users rose by 37% year-over-year after upgrades to the digital platform; digital transactions now represent over 42% of total transaction volume.
• Community commitment: annual targeted lending to agriculture and rural SMEs exceeded 24.6 billion RMB, supporting local supply chains and employment.
• Responsibility: maintained dividend payout while increasing loan loss reserves to preserve capital buffers during cyclical stress.
• Sustainability: introduced preferential pricing for green loans; green loan book accounted for 6.4% of total loans at year-end.

• Board oversight emphasizes risk culture, with defined KPIs tying management compensation to non-financial metrics (customer satisfaction, NPL control, ESG targets).
• Regulatory engagement remains proactive, with timely disclosures and ongoing capital planning to maintain compliance with CBIRC guidelines.
• Community partnerships and financial inclusion programs operate in coordination with local governments and cooperatives to maximize social impact.