Group 1: Retail Loan Strategy - The bank focuses on personal operating loans, consumer loans, and "Three Rural" customer segments to enhance service models and meet customer needs [3] - A grid-based financial service system is being established to ensure comprehensive coverage of credit demand and marketing [3] - The bank is developing a specialized branch system for inclusive finance, enhancing operational analysis and creating a conducive environment for transformation [3] Group 2: Product and Market Development - Continuous product innovation is aimed at expanding the product line's width and depth, aligning products with different regions, industries, and customer attributes [3] - The bank is actively exploring external markets, particularly targeting small and micro loan demands in various branches [3] - Strengthening the customer manager team is a priority, with a focus on optimizing performance assessment and compensation policies to motivate marketing efforts [3] Group 3: Supply Chain Finance - The bank is leveraging local industries and digital management to develop a supply chain finance service model, focusing on core enterprises [4] - The strategy includes enhancing credit support for core enterprises and facilitating financing for upstream and downstream businesses [4] Group 4: Convertible Bonds - As of March 2022, the bank's "Jiangyin Convertible Bonds" had RMB 241,876,600 converted into A-shares, accounting for 12.09% of the total issuance [4] - The bank's core tier 1 capital adequacy ratio is 12.67%, tier 1 capital adequacy ratio is 12.68%, and total capital adequacy ratio is 13.82%, all meeting regulatory requirements [4] - Future focus will be on the conversion status of RMB 2 billion convertible bonds and enhancing communication with investors [4]

Group 1: Bank Operations and Structure - Jiangyin Bank has established 3 branches in the "Suzhou, Wuxi, Changzhou" area and 8 branches in other locations, including Jiangsu and Anhui provinces [3] - The bank has initiated 5 village and town banks in various regions, including Sichuan and Hainan [3] - The contribution of the bank's branches to overall operating profit has increased, reaching over 30% in 2021 [3] Group 2: Response to Market Changes - The bank acknowledges the impact of large state-owned banks and joint-stock banks on its small and micro-enterprise business expansion [3] - Jiangyin Bank leverages its advantages as a primary legal entity bank to enhance differentiated competition and innovate service models [3] - By the end of 2021, the bank had connected with 217 administrative villages, with offline pre-credits for 186,000 households amounting to 19.51 billion yuan [3] Group 3: Loan Performance - As of March 2022, the total loan amount reached 96.64 billion yuan, an increase of 5.17 billion yuan or 5.7% since the beginning of the year [3] - The balance of inclusive loans was 39.41 billion yuan, reflecting a growth of 6.2% since the start of the year [3] - Jiangyin Bank holds the leading position in both total loan volume and incremental market share within its jurisdiction [3]

Group 1: Financial Performance - As of the end of Q1 2022, Jiangyin Bank's net interest margin was 2.23%, an increase of 0.38 percentage points year-on-year [3] - The bank has actively adjusted its asset-liability structure since 2021 to enhance interest margin management [3] Group 2: Business Strategy - Jiangyin Bank aims to develop supply chain finance while supporting large enterprises, focusing on small and micro businesses [3] - The bank emphasizes a flexible decision-making process and has optimized its credit approval procedures to better serve local enterprises [3] Group 3: Regional Development - In 2021, the contribution of the bank's branches in other regions to overall operating profit exceeded 34% [4] - The bank's strategy includes deepening its presence in Jiangyin, expanding in the Yangtze River Delta, and radiating nationwide [4]

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