The main business of the bank and its 37 subsidiary banks includes corporate banking, retail banking, and treasury services. The geographical nature of the group is quite obvious. Its business is extremely dependent on Jilin Province. In the past three years, Jilin Province has accounted for more than 90% of its revenue. There are 275 sales outlets in Jilin Province. Other regions include Heilongjiang, Guangdong, Hebei, Shandong, Anhui, Hubei, Hainan, Tianjin, and Shaanxi, with 78 sales outlets. Relying too much on business in Jilin Province is likely to lead to large fluctuations in revenue. The bank expanded its strategic network and customer base through mergers and acquisitions of other agricultural commercial banks and village banks. As of mid-2016, the bank controlled and merged 5 rural credit cooperatives and agricultural commercial banks, as well as 30 village and town banks established by the bank and the two village banks it acquired. The merger and acquisition strategy enabled the Group to grow rapidly. The compound annual growth rates of total assets and net profit from 2013 to 2015 reached 60.4% and 60.8% respectively, far higher than the average of 22.7% and 12.1% of commercial banks listed in China and Hong Kong. Despite the bank's rapid growth, risk management is reasonable. The loan ratio for the past three years was 1.26%-1.57%, and the consolidated provision coverage rate ranged from 220.09% to 198.18%. Based on the prospectus price calculation, the bank's net market ratio is high, ranging from 1.54 times to 1.78 times. The net market ratio of banks of the same type listed in Hong Kong is basically below 1. Overall, the company was given a “neutral” rating, with an overall rating of 5.2 points.