Guangxi Beibu Gulf Bank

What Guangxi Beibu Gulf Bank does

Guangxi Beibu Gulf Bank (广西北部湾银行) is a provincial-level city commercial bank headquartered in Nanning and the only such institution operating across Guangxi Zhuang Autonomous Region. Originally established in 1997 as Nanning City Cooperative Bank and reorganized under its current name in 2008, the bank operates 355 business outlets spanning all 13 prefecture-level cities and 64 key counties, employs over 5,700 staff, and manages total assets exceeding 550 billion RMB with deposits above 400 billion RMB and loans above 340 billion RMB.

The bank delivers a full-stack commercial banking product suite segmented across retail, corporate, small-and-micro enterprise (SME), interbank, and institutional customers. Core offerings include personal deposits, large-denomination CDs, the Fuguibao (富桂宝) proprietary wealth management series, credit and debit cards (including co-branded social security and volunteer cards), personal loans (好友贷, 房抵贷), and a deep SME loan catalog covering sugarcane farmers (糖e贷), inclusive loans (惠企贷), rural loans (乡村贷), and tax-based lending (税信贷). Corporate banking spans cash management, supply chain finance, international settlement, trade finance, green credit and bonds, and investment banking (debt financing, M&A financing, securitization). Technology infrastructure includes mobile banking, online banking, WeChat banking, telephone banking, an Open Banking API platform, smart branches with intelligent counters, Digital RMB services, and a 2026-launched AI middle platform initiative spanning NLP-based customer service, predictive customer analytics, and remote banking automation.

The bank generates revenue primarily through net interest income on its 340B+ RMB loan book and interbank investment portfolio (190B+ RMB), supplemented by transaction-based fee income from wealth management distribution, insurance and trust agency sales, payment processing, investment banking, and trade finance. Distribution combines the extensive physical branch network with self-serve digital channels; strategic relationships with Industrial Bank, Sealand Securities, China Postal Savings Financial Management, multiple insurance and trust companies, and provincial government entities support distribution and product breadth. Differentiators include its exclusive provincial regulatory position, leading green finance franchise (first carbon-neutral banking outlet in region), and embedded government/civic ecosystem through social security and volunteer card programs.

Name

Guangxi Beibu Gulf Bank

Legal name

广西北部湾银行股份有限公司

Website

https://bankofbbg.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Guangxi Beibu Gulf Bank is the only provincial-level city commercial bank in Guangxi, China, operating 355 outlets across 13 cities with 550B+ RMB in assets, serving retail, corporate, SME, and institutional customers with deposits, loans, wealth management, and digital banking services.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (522110), Commercial Banking (52211)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

Keywords

• Commercial banking services
• Retail banking
• Wealth management products
• Micro enterprise lending
• Digital banking

Headquarters

HQ city

Nanning

HQ country

China

HQ region

Asia

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. 利息收入 (Interest Income): Core banking revenue from loan interest income including corporate loans, retail loans, microenterprise loans, and interbank lending
2. 存款业务 (Deposit Business): Deposit taking from retail and corporate customers as funding source
3. 手续费及佣金收入 (Fee and Commission Income): Fees from payment services, wealth management agency, insurance agency, fund distribution, precious metals sales, safe deposit boxes, and other financial services
4. 理财产品 (Wealth Management Products): Proprietary and distributed wealth management products including fixed-term, current, and structured products
5. 绿色金融 (Green Finance): Green credit, green bonds, green consumption, and low-carbon mobility business partnerships
6. 投行业务 (Investment Banking): Debt financing, M&A financing, financial product distribution, asset securitization, financial advisory services
7. 交易银行业务 (Transaction Banking): Cash management, supply chain finance, international settlement, foreign exchange, trade finance

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels7 records

Core offering

Guangxi Beibu Gulf Bank operates as a comprehensive regional commercial bank offering retail banking (deposits, personal loans, wealth management, credit and debit cards), corporate banking (working capital loans, fixed-asset loans, investment banking, transaction banking, international settlement), small-and-micro enterprise lending (Huiqi Dai, Tanger E-Dai and other specialized products), and interbank services (bond, bill, interbank deposit and lending). It delivers these through 355 physical branches and digital channels including mobile banking, internet banking, WeChat banking, telephone banking, and an open banking API platform.

Product overview

Guangxi Beibu Gulf Bank operates as a comprehensive regional commercial bank offering a full portfolio of banking products across multiple segments. The bank provides digital banking services through mobile banking, online banking, WeChat banking, and telephone banking platforms. Personal banking includes wealth management products (富桂宝 series), personal loans (好友贷, 房抵贷), credit cards (桂商信用卡, OK信用卡), and debit cards (志愿者卡, 社保卡). Corporate banking covers deposits, credit facilities, investment banking, transaction banking, international settlement, and green finance. Small and micro enterprise financing includes specialized loans (惠企贷, 乡村贷, 糖e贷, 船舶贷). Interbank business offers money market services, bonds, and bills. The bank also provides agency insurance, trust products, precious metals, and third-party depository services.

Differentiator

Problem solved

Functional benefit

Brands

• 富桂宝 (Fu Gui Bao): A branded wealth management product series offered by the bank, including fixed-income, short-cycle, and term-based financial products.
• OK北行 (OK Bei Hang)
• 北羊羊 (Bei Yang Yang)

Products and services

• Mobile Banking (手机银行) Smartphone-based banking platform providing account queries, transfers, financial management, savings, credit cards, loans, and payment services for retail and corporate customers.
• Personal Online Banking (个人网上银行) Web-based personal banking platform providing account management, transfers, financial services, and credit card management for individual customers.
• Corporate Online Banking (企业网上银行) Enterprise internet banking platform with account management, payment services, investment services, electronic bills, trade finance, cash management, international business, and digital wallet functions for corporate clients.
• WeChat Banking (微信银行) Lightweight banking services via the Guangxi Beibu Gulf Bank WeChat official account, including account queries, savings, financial services, credit cards, and loan applications.
• Telephone Banking (电话银行) 24/7 telephone banking service with self-service voice and manual agent support for account queries, transfers, and customer service.
• Beihang Haoyou Dai (北行好友贷) Personal Credit Loan Pure-credit personal loan up to 1 million RMB with no collateral, online approval, and quick disbursement for Guangxi customers, with annual rates starting from 3.0%.
• Beihang Fangdi Dai (北行房抵贷) Mortgage Loan Property-secured personal loan up to 3 million RMB with terms up to 60 months for customers holding property in Guangxi.
• Beihang Huiqi Dai (北行惠企贷) Inclusive SME Loan Inclusive micro-loan up to 10 million RMB for small and micro enterprises with flexible collateral options for production, trade, and service operations.
• Beihang Tanger E-Dai (北行糖e贷) Sugarcane Farmer Loan Agricultural loan for sugarcane farmers up to 5 million RMB supporting planting costs including land rent, fertilizers, seedlings, and labor.
• Credit Cards (信用卡) Range of credit cards including Guishang Card, OK Card, Basic Card, and the fragrance-themed women's card, with installment and rewards features for retail customers.
• Debit Cards (借记卡) Debit cards including the Volunteer Card, Guixinbao Card, Rural Revitalization Card, Social Security Card, and the elderly-friendly Beihang Laoyou Card with co-branded features.
• Personal Large-Denomination Certificates of Deposit (个人大额存单) Personal large-denomination CDs with a minimum purchase of 200,000 RMB and term options of 1M, 3M, 6M, 9M, 1Y, 18M, 2Y, 3Y, and 5Y.
• Fuguibao Wealth Management (富桂宝理财) Self-operated wealth management product series including Xintianyi, Nengtianyi, Dingtianyi, and Gutianyi with multiple risk profiles, expected returns from 1.5% to 4.05%, and minimum investments from 1 RMB to 10,000 RMB.
• Smart Payment (智慧支付) Merchant Collection Solution Comprehensive payment collection solution for merchants integrating UnionPay, WeChat Pay, Alipay, and bank card payments, including QR code scanning, card transactions, and UnionPay Cloud FlashPay contactless payments.
• Smart Bank Branches (智慧银行) Digitally-enabled branch concept featuring intelligent counters, mobile marketing devices, smart guidance, and interactive displays for paperless, streamlined in-person banking.
• Agency Insurance (代理保险) Agency insurance sales distributing products from multiple partner insurance companies to the bank's retail customers as part of wealth management offerings.
• Green Finance (绿色金融) Green credit, green bonds, and sustainable finance services supporting environmental improvement and clean energy sectors, operated through dedicated green finance departments and specialized branches in Hechi, Hezhou and other regions.
• International Settlement (国际结算) Foreign exchange services for corporate clients including cross-border remittances, letters of credit, collections, and trade finance.
• Bond Business (债券业务) Bond investment, distribution, lending, and repo services for clients operating in interbank and exchange bond markets.
• Bill Business (票据业务) Bill rediscount and repo services for interbank market participants.

Quantifiable outcome

• Asset size increased to 550 billion+ RMB, steadily entering mid-sized commercial bank category
• +2 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability4 records

Feature6 records

Partnerships

13 partnerships are on record, tiered core and strategic.

• 中邮理财有限责任公司 (China Postal Savings Financial Management Co.)coreChannel Partner/ Reseller/ Distributor · 26 February 2026Agency sales partnership for net-value wealth management products
• 兴业银行 (Industrial Bank)coreTechnology or Integration银银合作 (Bank-Bank Cooperation) for third-party depository business enabling customer fund transfers between the bank's settlement accounts and securities margin accounts through real-time system data exchange
• 国海证券 (Sealand Securities)coreTechnology or IntegrationOne-stop account opening and binding service for securities depository business
• 合作保险公司 (Partner Insurance Companies)coreChannel Partner/ Reseller/ DistributorInsurance product agency sales partnership with multiple insurance companies. List of cooperative insurance companies available in official disclosure.
• 合作信托公司 (Partner Trust Companies)coreChannel Partner/ Reseller/ DistributorTrust plan distribution partnership for wealth management product sales, redemption, and income distribution services
• 南宁市政府 (Nanning Municipal Government)strategicStrategic or Co-development PartnerJoint establishment of Guangxi Carbon Finance and Green Development Innovation Joint Laboratory for green finance product innovation
• 广西壮族自治区人力资源和社会保障厅 (Guangxi Human Resources and Social Security Department)coreStrategic or Co-development PartnerCo-issuance of social security cards integrating financial and social security functions
• 广西志愿服务联合会 (Guangxi Volunteer Service Federation)coreStrategic or Co-development PartnerCo-issuance of volunteer cards with financial payment and volunteer identity functions
• 广西青年志愿者协会 (Guangxi Youth Volunteer Association)coreStrategic or Co-development PartnerJoint issuance of volunteer cards for registered volunteers in Guangxi
• 广西壮族自治区人力资源和社会保障厅 (Guangxi HRSS)coreStrategic or Co-development PartnerConstruction of GuiXinBao (桂薪宝) platform for migrant worker wage payment monitoring and management across Guangxi construction projects
• 中国银联 (China UnionPay)coreTechnology or IntegrationCo-issuance of rural revitalization themed debit card with exclusive benefits through China UnionPay's mobile payment app
• 南宁市市民卡信息服务有限责任公司 (Nanning Citizen Card Information Service Co.)coreStrategic or Co-development PartnerJoint issuance of Laoyou Card (老友卡) co-branded debit card for public transportation and financial services in Nanning
• 城银清算服务有限责任公司 (City Bank Clearing Service Co.)coreTechnology or IntegrationBank-clearing cooperation for interbank settlement services, awarded excellent cooperation award in 2019

Scale indicators12 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Bank of Guangzhou: Regional city commercial bank with similar full-service banking model, SME focus, and growing wealth management franchise. Comparable geographic concentration within a single province.
• Bank of Hangzhou: City commercial bank with strong regional franchise, retail/SME focus, and similar digital banking investment strategy. Comparable in business model and product mix to Guangxi Beibu Gulf Bank.
• Shengjing Bank: Northeast China-based city commercial bank with comparable asset scale, similar product mix including SME and agricultural lending, and regional concentration risk profile.
• Bank of Jiangsu: Provincial city commercial bank with comparable asset scale, comprehensive retail/corporate/SME product suite, and similar digital transformation initiatives. Closest peer by regional commercial bank archetype.
• Bank of Ningbo: Listed Chinese city commercial bank with comparable mid-sized regional franchise, diversified retail and SME banking, and similar exposure to local economic cycles. Closest functional analog among publicly traded peers.
• Bank of Shanghai: City commercial bank with diversified retail/corporate banking, wealth management, and international settlement services. Similar product breadth and customer segmentation.
• Bank of Beijing: Municipal-level city commercial bank with comparable digital banking, SME lending, and wealth management offerings. Similar business segmentation across retail, corporate, and interbank.

Regional players

• Chongqing Rural Commercial Bank: Regional commercial bank serving a single Chinese province with rural and agricultural lending focus. Comparable in geographic concentration and SME/agricultural loan exposure, though more rural-focused.

Broad incumbents

• China Merchants Bank: Leading national joint-stock bank renowned for retail banking and digital innovation. Represents the upper benchmark for digital transformation and wealth management that mid-sized city commercial banks aspire to match.
• Industrial Bank: National joint-stock bank with broader product suite and balance sheet. Active partner with Guangxi Beibu Gulf Bank on third-party depository and interbank clearing. Represents a broader incumbent competitive set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guangxi Beibu Gulf Bank