BOC Fullerton Bank is a special financial institution, which is a product of the cooperation between Bank of China and Fullerton Group, and is mainly located in the second and third tier cities of rural and small and medium-sized enterprise financial services. What makes this bank unique is its foreign background and the strength of Fullerton Group. It is the first physical platform set up by Fullerton Financial Holdings Ltd. in China, with a huge registered capital and leading technology.

Relying on the resources of Temasek, BOC Fullerton has innovatively developed six unique models, including "batching", and is committed to filling the gaps in rural financial services and promoting the development of county economies. In terms of credit mechanism, financial products and risk management, it has demonstrated its in-depth understanding of the rural market and localized strategies.

Since its establishment, BOC Fullerton has accumulated rich experience in village bank management, business model and technical system construction. Through their big data platform, they have studied the financial characteristics of counties in depth to provide customers with precise marketing, effective risk control and compliance support. As of 2018, the bank's deposit and loan balances exceeded 30 billion yuan, serving a large number of farmers and small and medium-sized enterprises, with agriculture-related and small and medium-sized loans accounting for as much as 90 percent of the total, demonstrating its dedication to agricultural and SME financial support.

Despite facing certain risks, such as a non-performing loan ratio of 1.72%, it has a high provision coverage ratio, showing a solid operating position. With its unique positioning and business model, BOC Fullerton has become a key player in China's rural financial market.