Ordos Commercial Bank Co., Ltd. is a joint-stock financial enterprise with independent legal personality that was restructured and established on August 20, 2007 from the original Ordos City Credit Cooperative Co., Ltd. In accordance with the requirements of the modern enterprise system, the company has established a "three meetings and one layer" operating mechanism that coordinates the operations of the shareholders' meeting, the board of directors, the board of supervisors, and senior management, and provides effective checks and balances. The Board of Directors consists of the Strategy and Nomination Committee, the Remuneration Committee, the Risk Committee, the Related Party Transaction Control Committee and the Audit Committee; the headquarters has internal offices, the Human Resources Department, the Planning and Finance Department, the Corporate Business Department, the Personal Finance Department, the Credit Management Department, and the Asset Risk Management Department. Department, Information Technology Department, Internal Control and Compliance Department, R&D Center, Labor Union and other 11 functional departments; it has 12 branches and 6 sales departments, including 1 in Xuejiawan, 1 in Kangbashi New District, 16 In Dongsheng area. The company's business scope includes: absorbing deposits from the public; issuing short-term, medium-term and long-term loans; handling domestic settlements; handling bill acceptance and discounting; issuing financial bonds; agency issuance, acceptance, and underwriting of government bonds; buying and selling government bonds and financial bonds; and engaging in the same industry. Lending; buying and selling, and acting as an agent for buying and selling foreign exchange; engaging in bank card business; providing letter of credit services and guarantees; agency for payment collection and insurance business; agency for safe deposit box services; and other businesses approved by the China Banking Regulatory Authority. As of the end of August 2007, total assets were 3.6 billion yuan, total liabilities were 3.22 billion yuan, owners' equity was 380 million yuan, various loans were 1.83 billion yuan, the deposit-to-loan ratio was 59, the asset profit rate was 1.49, and the asset expense ratio was 21. The core capital adequacy ratio is 20 and the non-performing loan ratio is 0.6.