Zhangjiakou Bank is the only local joint-stock commercial bank in Zhangjiakou City.

Zhangjiakou Bank was established on March 8, 2003. On November 10, 2015, it was renamed from "Zhangjiakou Commercial Bank" to "Zhangjiakou Bank" with the approval of the former Hebei Banking Regulatory Bureau of the China Banking Regulatory Commission.

Extended information

The bank’s annual report shows that in 2018, the bank’s total assets were 192.963 billion yuan, a year-on-year increase of 6.69%; operating income was 5.59 billion yuan, a year-on-year decrease of 3.84%; Net profit was 1.905 billion yuan, a year-on-year decrease of 3.26%.

Data show that Zhangjiakou Bank’s net fee and commission income in 2018 was 29 million yuan, a decrease of 132 million yuan from the previous year, a year-on-year decrease of 82%. Non-performing loans were written off at RMB 848 million, an increase of RMB 788 million from the previous year.

What is noteworthy is that the bank’s NPL ratio has been rising year after year. Data shows that from 2013 to 2018, the non-performing loan rates of Zhangjiakou Bank were 0.21%, 0.42%, 0.85%, 1.14%, 1.82%, and 1.98% respectively. In other words, the bank's non-performing loan ratio has increased for six consecutive years.