Core Viewpoint - The article highlights the evolution of Jilin Bank over the past 30 years, emphasizing its transformation into a key regional financial institution in Jilin Province, reflecting both the bank's growth and the broader challenges and future directions of urban commercial banks in China [1]. Group 1: Historical Development - Jilin Bank, originally Changchun City Commercial Bank, was renamed in 2007 and has since expanded its network across Jilin Province and into Dalian and Shenyang, with 369 institutions and 11,856 employees by the end of 2024 [2]. - The bank has undergone three rounds of capital increase since 2024, raising a total of 8.06 billion yuan, with the total share capital increasing from 11.15 billion shares to 12.09 billion shares, primarily supported by local government and state-owned enterprises [2]. - The bank has experienced governance challenges, with several past chairmen facing disciplinary issues, indicating a need for improved governance and internal control mechanisms [2]. Group 2: Regional Economic Impact - Jilin Bank plays a crucial role in supporting local economic development, maintaining a symbiotic relationship where the bank empowers the region while being nourished by it [3]. - The bank's market share in deposits increased from 12.42% to 14.46% and in loans from 12.64% to 15.37% from the end of 2022 to the end of 2024, solidifying its position as a core participant in the regional financial market [3]. - The bank aims to become the "first retail bank in Jilin" and the "best service company bank," focusing on digital transformation and rural revitalization [3]. Group 3: Financial Performance - Jilin Bank's total assets grew from 561.41 billion yuan at the end of 2022 to 745.84 billion yuan by the end of 2024, marking a 32.85% increase over two years [6]. - By the end of 2024, customer deposits reached 572.17 billion yuan, with the proportion of savings deposits rising from 53.21% in 2022 to 56.16% [6]. - The bank's non-performing loan ratio was stable at 1.5% by the end of 2024, with a slight increase from 1.39% at the end of 2023, while the provision coverage ratio improved from 124.79% in 2022 to 136.05% in 2024 [7]. Group 4: Future Outlook - As 2025 approaches, Jilin Bank is positioned at a critical juncture for governance restructuring and strategic deepening, aiming to align closely with the regional economic recovery [9]. - The bank's future growth will depend on effective governance optimization, risk management, and business transformation, with aspirations to become a leading urban commercial bank in China [9].