In the past ten years, Jinan Commercial Bank has continuously deepened its reform, pioneered and innovated, and established a flat management system with one-level legal person and two-level operation. Established a small branch, multi-functional, fast-paced, big service marketing model; The development of 277 financial products in five grades, seven categories has made positive contributions to Jinan's "five-year transformation" and the construction of a modern provincial capital city, and has been well received by relevant provincial and municipal leaders. In order to better provide financial services, the bank has taken small and medium-sized enterprises as its basic customer base, and more than 80% of the loans are mainly invested in small and medium-sized enterprises, especially high-tech enterprises. Two SME guarantee centers have been established, and the service commitment of 18 has been implemented. It is our responsibility to serve citizens' personal financial business needs and build a "citizen bank" brand.

By the end of February 2006, the total assets of the Bank reached 33.368 billion yuan, an increase of 8.0665438 billion yuan or 3 1.85% over the previous year. The balance of local and foreign currency deposits was 26.89 billion yuan, an increase of 5.532 billion yuan or 25.9% over the previous year. The balance of various loans was 2 1, 74 1 billion yuan, an increase of 4.708 billion yuan or 27.64% over the previous year; The annual operating profit was 564.4 million yuan, an increase of 9 1.55 million yuan or 654.38+09.36% over the previous year, and the book profit was 256.33 million yuan, an increase of 89.9 million yuan or 54.02% over the previous year. The ratio of non-performing assets dropped to 65,438+0.58%, down 5.65,438+07 percentage points from the previous year, reaching the best level in history; The capital adequacy ratio reached 10.3%, and the capital profit rate reached 9.88%. The annual tax paid by the whole bank (excluding employees' personal income tax) is 2,265,438 yuan+0,665,438 yuan+0,000 yuan, an increase of 93.47 million yuan or 72% compared with 2005, and the per capita tax generated is 65,438 yuan +0.59 million yuan (the above data are unaudited). All business indicators continued to maintain a rapid and healthy growth momentum, laying a good foundation for the realization and long-term development of the three-year development plan of the whole bank. In 2005, it was rated as one of the top 500 enterprises in the national service industry, ranking 396th. China Finance ranks 24th among the top 50 commercial banks in China and 9th among 1 12 city commercial banks in China. It was rated as "Top 100 Enterprises of Civilization and Integrity in Shandong Province" by the Propaganda Department of Shandong Provincial Party Committee and Civilization Office. In 2006, it was rated as a "good bank" by Shandong Banking Regulatory Bureau and "the most brand and competitive bank" by Shandong Fortune Forum.