Bank of Jilin

Corporate brand

A Chinese commercial bank headquartered in Changchun that developed from a local city commercial bank into an inter-regional joint-stock commercial bank.

Last updated October 9, 2026

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Overview

Bank of Jilin is a commercial bank based in Changchun, Jilin Province, China. Its institutional predecessor was established in 1997 as Changchun City Commercial Bank. The bank adopted the Bank of Jilin name in October 2007 after combining with Jilin City Commercial Bank and Liaoyuan City Commercial Bank, marking a transition from a primarily Changchun-based institution toward a broader provincial banking platform. The bank expanded further in 2008 by absorbing the commercial banks of Tonghua, Siping, Baishan and Songyuan. It also established a branch in Yanbian, extending its presence across Jilin Province. In December 2009, the opening of a Dalian branch gave the institution an inter-regional footprint and positioned it as a joint-stock commercial bank operating beyond its home province. Subsequent branches were established in Shenyang, Tianjin, Shanghai and Beijing. Bank of Jilin serves retail customers, small and medium-sized businesses, government-related entities and larger corporate clients. Its banking activities include deposits, corporate and personal lending, settlement services, wealth-management products, Internet and mobile banking, and micro-finance. The bank also provides cross-border and foreign-exchange services, including international trade finance, import and export bills, shipping guarantees, foreign-currency exchange, remittance, and messaging or settlement services associated with SWIFT and Western Union. Treasury activities and interbank deposits form part of its broader financial-market offering. A further area of activity is entrusted lending. Under this arrangement, the bank acts as an intermediary for eligible corporate or government-related lenders and borrowers, conducting the lending process within the regulatory framework applicable to entrusted loans. This allows financial and corporate clients to use the bank’s infrastructure while the bank performs the mandated administrative and settlement functions. The institution’s development reflects the consolidation pattern of China’s city commercial-bank sector during the 2000s. Rather than remaining a single-city lender, Bank of Jilin used mergers, absorptions and branch expansion to build a regional network. Its positioning combines local-market knowledge in Northeast China with a wider portfolio of corporate, retail, international and treasury services. Public reference material describes the bank as an important local financial institution in Jilin Province, although detailed current ownership, management and operating figures are not established in the supplied sources.

History

Bank of Jilin began in 1997 as Changchun City Commercial Bank, a city commercial bank serving Changchun and the surrounding market. Its later evolution was shaped by the consolidation of local banking institutions and the expansion of China’s city commercial-bank sector beyond individual municipal jurisdictions. In October 2007, the institution changed its name to Bank of Jilin after merging with Jilin City Commercial Bank and Liaoyuan City Commercial Bank. The transaction broadened its geographic and institutional base within Jilin Province and gave the bank a provincial identity rather than one tied solely to Changchun. The consolidation continued in 2008. Bank of Jilin absorbed the commercial banks of Tonghua, Siping, Baishan and Songyuan, adding operations in several important Jilin municipalities. It also opened a branch in Yanbian. These steps created a more extensive provincial network and expanded the bank’s customer and deposit base, while giving it a larger platform for corporate, retail and public-sector banking. In December 2009, Bank of Jilin established a branch in Dalian. This was described as a significant institutional step because it made the bank inter-regional rather than exclusively provincial in its operating scope and supported its status as a joint-stock commercial bank. The bank subsequently established branches in Shenyang, Tianjin, Shanghai and Beijing, extending its reach into other major cities in Northeast China and nationally important financial and commercial centers. Its business model includes conventional deposit-taking and lending as well as payment settlement, retail banking, micro-finance, Internet and mobile banking, and wealth management. For corporate and trade-oriented customers, the bank offers international trade finance, import and export bills, shipping guarantees, foreign-currency exchange and remittance services. The reference material also identifies SWIFT-related services, Western Union remittances, treasury operations and interbank deposits among its activities. Bank of Jilin also provides entrusted-loan services for government enterprises and large corporate or non-bank financial clients. In this model, the bank facilitates lending between eligible parties under the applicable regulatory arrangements rather than acting solely as the ultimate lender. This service complements its role as a financial intermediary for local-government-related entities and businesses. By the end of 2010, public reference material described significant growth in the bank’s assets, deposits, loan balance and profitability since its establishment. The supplied sources do not provide reliable current information about ownership, executive leadership, later mergers, present branch numbers or current financial performance. Accordingly, the documented history is strongest for the bank’s formation, 2007 renaming, 2008 consolidation and 2009 inter-regional expansion.

2010
Reported balance-sheet expansion
[1]Bank of Jilinen.wikipedia.org
Reference material reported strong growth in assets, deposits and loans compared with the bank’s establishment period, as well as high profitability within Jilin Province.
2009
Dalian branch opens
[1]Bank of Jilinen.wikipedia.org
The December opening of the Dalian branch marked the bank’s development into an inter-regional joint-stock commercial bank.
2008
Provincial consolidation and Yanbian expansion
[1]Bank of Jilinen.wikipedia.org
The bank absorbed the commercial banks of Tonghua, Siping, Baishan and Songyuan and opened a new branch in Yanbian.
2007
Renamed Bank of Jilin
[1]Bank of Jilinen.wikipedia.org
In October, Changchun City Commercial Bank changed its name after merging with Jilin City Commercial Bank and Liaoyuan City Commercial Bank.
1997
Changchun City Commercial Bank is established
[1]Bank of Jilinen.wikipedia.org
The institution that later became Bank of Jilin was established as Changchun City Commercial Bank.

Products and positioning

A regional Chinese commercial bank focused on Jilin and the wider Northeast China market, combining local corporate and retail banking with branch-based expansion, international finance, treasury services and entrusted lending.

Retail banking
Retail deposits and personal banking
The bank provides deposit accounts and related retail services for individuals. Its retail platform also includes personal lending, payment settlement, Internet banking and mobile banking, giving consumers access to everyday savings, borrowing and account-management functions.
Commercial banking
Corporate and small-business lending
Corporate lending is a central part of the bank’s regional role. Services include loans for enterprises and smaller businesses, together with settlement and other financial services designed for companies operating in Jilin and the bank’s wider branch markets.
Inclusive finance
Micro-finance
Bank of Jilin provides micro-financing as part of its lending portfolio. The service supports smaller borrowers and complements the bank’s city-commercial-bank mandate to serve local businesses and residents.
Trade finance
International trade finance
The bank’s international-business offering includes import and export bills, shipping guarantees, foreign-currency exchange and other trade-finance services. It also supports remittance and international settlement activities, including services associated with SWIFT and Western Union.
Corporate finance
Entrusted loans
Entrusted lending allows eligible enterprises, government-related entities and other permitted financial participants to arrange loans through the bank. The bank acts as an intermediary and administrator within the applicable regulatory framework.

Controversies

2026
Fined 2.045 Million Yuan for AML Due Diligence, Suspicious Transaction Reporting and Other Violations
In April 2026, the People's Bank of China Jilin Provincial Branch disclosed three violations by Bank of Jilin, including failure to report suspicious transactions, failure to conduct customer due diligence, and providing services to customers of unidentified identity. The bank was warned and fined 2.045 million yuan.
Source
2022
Head Office Fined 1.4 Million Yuan for Inadequate Rectification, Shareholder Capital Review and Risk Classification Violations
In 2022, the Jilin Banking and Insurance Regulatory Bureau fined Bank of Jilin's head office 1.4 million yuan for inadequate rectification, failure to diligently review shareholder capital contributions, and inaccurate risk classification of non-credit assets. Three individuals were warned. This entry is limited to penalties imposed on the head office.
Source

2009
Expansion beyond Jilin ProvinceStrategy
Background
After building a provincial network, the bank pursued an inter-regional operating model.
Action taken
It opened a Dalian branch in December and subsequently established branches in Shenyang, Tianjin, Shanghai and Beijing.
Aftermath
The expansion supported the bank’s status as an inter-regional joint-stock commercial bank.
Source
2008
Absorption of four Jilin city commercial banksM&A
Background
The bank continued consolidating municipal banking operations to increase its coverage across Jilin Province.
Action taken
Bank of Jilin absorbed the commercial banks of Tonghua, Siping, Baishan and Songyuan and opened a Yanbian branch.
Aftermath
The bank gained a substantially wider provincial branch and customer network.
Source
2007
Merger-led conversion into Bank of JilinM&A
Background
Changchun City Commercial Bank sought a broader provincial platform through combination with Jilin City Commercial Bank and Liaoyuan City Commercial Bank.
Action taken
The institution merged with the two city commercial banks and adopted the Bank of Jilin name in October.
Aftermath
The transaction established the bank’s provincial identity and laid the foundation for further consolidation across Jilin.
Source

Recent events

2020-06-02
Jilin Bank and China Mobile Jilin sign strategic cooperation agreement[8]吉林银行与吉林移动签署战略合作协议finance.sina.com.cn
Reported: 2020-06-02
Jilin Bank and China Mobile Jilin signed a strategic cooperation agreement covering areas including big-data analysis and information management.

Sources9 sources

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