Comprehensive Overview

The Group is the youngest national joint stock commercial bank in China. Since its establishment, it has formed a system where the business network radiates all over the country and international business is ready to go. According to first-class capital figures up to the end of 2018, the group ranked 178th in the “Global Top 1000 Banks” list published by “Bankers”. In 2019, the Group's net profit growth rate reached 15.7%, and the weighted average return on net assets reached 13.7%, ranking first and third in comparison with all national joint stock listed commercial banks. By the end of 2019, the total number of group sites reached 245.

Risk Factors

The Group's ability to maintain or improve the quality of its assets will affect the Group's financial position and operating results. The decline in the group's overall asset quality may be caused by factors such as China's overall or regional economic slowdown and capital market fluctuations. All such factors may adversely affect the business and operation of the Group's customers or the final lender of the business, and the Group may not be able to change the value of the collateral or encumbered goods secured by the assets. Any significant decline in the quality of the Group's assets may cause the Group's bad loans and depreciation loss reserves to increase significantly, which is not conducive to the Group's operations.