Bank of Dandong

What Bank of Dandong does

Bank of Dandong (丹东银行) is a privately-held Chinese city commercial bank founded in December 1993 and headquartered at Yalu River Avenue 198, Zhenxing District, Dandong, Liaoning Province. It operates 97+ branches across five Liaoning cities—Dandong, Dalian, Shenyang, Liaoyang, and Yingkou—with a stated headcount of 1,500+ as of October 2025. The bank is licensed and supervised by the National Financial Regulatory Administration and is not listed on any public exchange.

The bank's product platform spans personal banking (savings, debit and credit cards, personal loans, foreign exchange, wealth management), corporate banking (deposits, working capital and fixed-asset loans, accounts-receivable pledge financing, large-denomination certificates of deposit, banker's acceptances), inclusive finance (惠农种植贷, 惠农养殖贷, 惠融贷, 丹e贷, 养老贷), trade finance and FX, and the self-operated 银杏理财 (Ginkgo Wealth Management) product series. Underlying technology is conventional digital-banking infrastructure—personal and corporate internet banking, iOS/Android mobile banking, WeChat banking, SMS banking, and ATM/CRS self-service terminals—secured through CFCA USBKey digital certificates and integrated with UnionPay, Alipay, WeChat Pay, Baidu Wallet, and Apple Pay rails.

The bank makes money primarily through net interest income from lending to retail, SME, agricultural, and corporate borrowers (rates referenced to PBOC LPR benchmarks), deposit-funded balance-sheet spread, fee and commission income from cards, electronic banking, and trade-finance services, and management fees on the 银杏理财 wealth-management series. Customer acquisition is sales-led through a hybrid of physical branches, digital self-service channels, government co-distribution (the Dandong Huimin Card social-security app with the municipal Human Resources and Social Security Bureau), and inclusive-finance outreach to rural and underserved segments. The bank's stated go-to-market covers retail individuals, micro-enterprises, SMEs, and corporate clients across its five-city Liaoning footprint.

Name

Bank of Dandong

Legal name

丹东银行股份有限公司

Website

https://dandongbank.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Bank of Dandong is a privately-held Chinese city commercial bank founded in 1993, headquartered in Dandong and operating 97+ branches across five Liaoning cities. It provides retail, corporate, inclusive-finance, trade-finance, and wealth-management products to individuals, SMEs, farmers, and enterprises in Liaoning Province.

Ownership category

akta.pro rank

Headquarters

HQ city

Dandong

HQ country

China

HQ region

Asia

Offices6 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. Interest Income from Lending: Core revenue stream from issuing personal and corporate loans including mortgages, business loans, micro-enterprise loans, agricultural loans, and working capital facilities. Interest rates follow PBOC guidelines and LPR benchmarks.
2. Deposit-Taking and Savings Management: Attracting personal and corporate deposits including demand deposits, time deposits, large-denomination certificates of deposit (大额存单), and structured savings products.
3. Fee and Commission Income: Fees from electronic banking services (SMS notifications, mobile banking, internet banking), card services (debit/credit card issuance, interchange fees), wealth management products (银杏理财), and intermediary services including trade finance and foreign exchange.
4. Wealth Management Products: Self-operated wealth management series '银杏理财' offering fixed-income and mixed-asset products to retail and corporate clients, generating management fees and product margins.
5. Trade Finance and Foreign Exchange: Foreign exchange services, letters of credit, banker's acceptances, guarantees, and international settlement services for corporate clients engaged in cross-border trade.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Bank of Dandong is a regional city commercial bank founded in 1993 and headquartered in Dandong, Liaoning Province. It offers personal banking (savings, debit/credit cards, personal loans, foreign exchange), corporate banking (corporate deposits and loans, fixed-asset and working-capital loans, accounts-receivable pledge loans, large-denomination certificates of deposit), inclusive finance products targeting farmers and micro-enterprises, trade finance services, and a self-operated wealth management series. Distribution is through 97+ physical branches across five Liaoning cities combined with digital channels including mobile, online, WeChat, phone, and self-service banking.

Product overview

Bank of Dandong is a regional commercial bank headquartered in Dandong, Liaoning Province, founded in 1993. The bank operates a multi-channel service architecture consisting of traditional branch banking combined with digital banking platforms. The core product portfolio includes deposit and loan products (personal and corporate), an inclusive finance division offering specialized credit products (丹e贷 for personal consumption, 惠融贷 for small businesses, 惠农种植贷 and 惠农养殖贷 for agriculture, and 养老贷 for pension assistance), and the 银杏理财 wealth management series. Digital channels comprise personal and corporate internet banking, mobile banking (iOS/Android), WeChat banking, SMS banking, and self-service equipment (ATM/CRS/smart counters). The bank also issues credit cards and manages large denomination certificates of deposit.

Differentiator

Problem solved

Functional benefit

Brands

• 银杏理财: 丹东银行投资理财产品系列，包括多种期限和类型的理财产品
• 惠农养殖贷
• 惠农种植贷
• 惠融贷
• 丹e贷
• 银杏卡
• 养老贷

Products and services

• Dan e-Dai (丹e贷)
• Hui Rong Dai (惠融贷)
• Huinong Breeding Loan (惠农养殖贷)
• Huinong Planting Loan (惠农种植贷)
• Ginkgo Wealth Management (银杏理财) Series
• Pension Loan (养老贷)
• Personal Internet Banking (个人网银)
• Corporate Internet Banking (企业网银)
• Mobile Banking (手机银行)
• WeChat Banking (微信银行)
• Self-Service Banking (自助机具)
• Credit Card (信用卡)
• Fixed Asset Loan (固定资产贷款)
• Working Capital Loan (流动资金贷款)
• Accounts Receivable Pledge Loan (应收账款质押贷款)
• Large Denomination Certificate of Deposit (大额存单)
• Personal Foreign Exchange Services (个人外汇业务)

Quantifiable outcome

• Q1 2026 wealth management redemption: 20 products, 25,439万 RMB total redemption, 449万 RMB cumulative returns
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• 丹东市人力资源和社会保障局 (Dandong Human Resources and Social Security Bureau)coreStrategic or Co-development Partner · 5 September 2018Bank of Dandong partnered with the Dandong Human Resources and Social Security Bureau to jointly develop and launch the '丹东惠民卡' (Dandong Huimin Card) social security mobile application. The platform integrates government services, financial services, and life services based on the social security card issued by the bank. It features facial recognition and OCR technologies, and enables retirement verification, insurance payments, five-insurance query, and pension account management.
• Baidu (百度钱包)minorChannel Partner/ Reseller/ Distributor · 23 January 2017Bank of Dandong integrated Baidu Wallet as a quick payment channel, enabling cardholders to make payments through the Baidu Wallet platform.
• Tencent / WeChat Pay (财付通/微信支付)minorChannel Partner/ Reseller/ Distributor · 23 January 2017Bank of Dandong integrated WeChat Pay (via 财付通) as a quick payment channel, enabling cardholders to make payments through the WeChat platform and WeChat Wallet.
• Alibaba / Alipay (支付宝)minorChannel Partner/ Reseller/ Distributor · 28 November 2016Bank of Dandong integrated Alipay as a quick payment channel, enabling cardholders to make payments through the Alipay platform.
• CFCA (China Financial Certification Authority)coreTechnology or Integration · 14 November 2016Bank of Dandong uses CFCA digital certificates as the primary security mechanism for its online banking and mobile banking services. CFCA provides digital identity certification and electronic signature services ensuring transaction security and legal compliance for internet banking operations.
• China UnionPay (中国银联)coreTechnology or Integration · 14 November 2016Bank of Dandong is a member of the China UnionPay network, enabling its cardholders to access ATMs and POS terminals nationwide. The bank also participates in UnionPay's QuickPass (闪付) contactless payment service and small-ticket exemption programs.
• 丹东市社会保险局 (Dandong Social Insurance Bureau)coreStrategic or Co-development Partner · 1 June 2016Bank of Dandong signed a cooperation agreement with the Dandong Social Insurance Bureau to launch the '养老贷' (Pension Loan) product, which addresses difficulty paying pension insurance premiums for urban disadvantaged residents. The bank collaborates with the bureau on pension-related financial services and social security card operations.
• 丹东学创电子商务有限公司 (Dandong Xuechuang E-Commerce Co., Ltd.)minorStrategic or Co-development Partner · 13 April 2016Bank of Dandong partnered with Dandong Xuechuang E-Commerce to launch the '喜卡汇商业联盟' (XikaHui Commercial Alliance), an O2O commercial ecosystem that aggregates partner merchants across the region. The alliance provides preferential services to the bank's cardholders across dining, shopping, life services, and tourism categories.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Bank of Dandong