Group 1: Financial Performance - As of June 2022, the number of online loan customers reached 15,645, an increase of 6,251 customers from the beginning of the year, representing a growth rate of 66.54% [4] - The balance of online loans amounted to 1.376 billion yuan, with a net increase of 500 million yuan since the beginning of the year, reflecting a growth rate of 57.01% [4] Group 2: Strategic Focus - Jiangyin Bank emphasizes supporting local economic development, aligning loan issuance with regional economic growth [3] - Key investment areas include new energy, integrated circuits, high-end equipment, biomedicine, intelligent manufacturing, and rural revitalization projects [3] Group 3: Customer Engagement and Risk Management - The bank utilizes big data analysis to identify pre-approved credit customers and employs precise marketing strategies through platforms like WeChat [3] - A combination of online automatic approval and offline supplementary data collection enhances the risk management model [4]

证券代码：002807 证券简称：江阴银行 2022 年 08 月 31 日投资者关系活动记录表 编号:2022-41 | --- | --- | --- | --- | |----------------|----------------------------------|-------------|-------| | | | | | | | ■特定对象调研 ■分析师会议 | | | | | □媒体采访 □业绩说明会 | | | | 投 资 者 关 系 | □新闻发布会 □路演活动 | | | | 活动类别 | □现场参观 | | | | | □其他（请文字说明其他活动内容） | | | | | 红土创新基金管理有限公司 | 李传鹏 | | | | 平安基金管理公司 | 刘杰 | | | | 西部证券股份有限公司 | 张晓辉 | | | | 中银资产管理有限公司 | 陆莎莎 | | | | 创金合信基金管理有限公司 | 王婧 | | | | 西部证券股份有限公司 | 谭雨露 | | | 参 与 单 位 名 | 中邮理财有限责任公司 | 陶俊 | | | 称 及 人 员 姓 | 圆信永丰基金管理有限公司 ...

证券代码：002807 证券简称：江阴银行 编号:2022-40 | --- | --- | --- | --- | |-------------------|---------------------------------------------------------------------|--------------------------------------------------------|-------| | | | | | | | ■特定对象调研 | ■分析师会议 | | | 投 资 者 关 系 | □媒体采访 □业绩说明会 □新闻发布会 □路演活动 | | | | 活动类别 | □现场参观 | | | | | □其他（请文字说明其他活动内容） | | | | 参 与 单 位 名 | | | | | 称 及 人 员 姓 名 | | 国信证券股份有限公司及汇丰前海证券有限责任公司相关人员 | | | | | | | | 时间 | 2022 年 08 月 29 日上午 2022 年 08 月 30 日上午 | 10:30-12:00 10:30-12:00 | | | 地点 | 银信大厦十 ...

Group 1: Financial Performance - The bank's financial investment strategy has shifted to a focus on coupon strategies, leading to an increase in amortized cost debt investments [3] - As of June, the bank reported a non-performing loan balance of CNY 979 million and a non-performing loan ratio of 0.98%, a decrease of CNY 226 million and 0.34 percentage points from the beginning of the year [3] - The bank's provision coverage ratio stands at 496.08%, an increase of 165.46 percentage points from the beginning of the year [3] Group 2: Deposit Management - The proportion of high-interest deposits has significantly decreased compared to the previous year, indicating an optimization of the deposit structure [3] - The bank plans to reprice a portion of high-interest deposits maturing in early 2023 based on market interest rates, which may further lower the interest rate levels [3] Group 3: Risk Management - The bank is enhancing its credit risk monitoring models and improving its risk control systems to strengthen asset quality [4] - There is a focus on increasing the disposal of non-performing loans and preventing credit risks through strict management of large loans [4] Group 4: Capital Adequacy - The bank's core Tier 1 capital adequacy ratio is 12.17%, Tier 1 capital adequacy ratio is 12.18%, and total capital adequacy ratio is 13.34%, all indicating a strong capital position [4] - The bank is exploring additional capital supplement tools such as perpetual bonds and subordinated debt to support business development [4]

证券代码：002807 证券简称：江阴银行 编号:2022-46 | --- | --- | --- | |-------------------------------|---------------------------------|-------| | | | | | | ■特定对象调研 ■分析师会议 | | | 投 资 者 关 系 | □媒体采访 □业绩说明会 | | | 活动类别 | □新闻发布会 □路演活动 | | | | | | | | □其他（请文字说明其他活动内容） | | | 参 与 单 位 名 称 及 人 员 姓 | | | | 名 | 王振遨 | | | 时间 | 日下午 15:30-16:30 | | | 地点 | | | | 上 市 公 司 接 | | | | | | | 待人员姓名 董办工作人员 2022 年 10 月 17 日投资者关系活动记录表 | --- | --- | |----------------|----------------------------------------------------------------------------| | | 主要 ...

Group 1: Financial Performance - As of September, the bank's re-loan balance reached 71.2 billion CNY, an increase of 31.3 billion CNY from the beginning of the year, benefiting 1,596 agricultural and small micro-enterprises [3] - The cumulative amount of re-discount reached 27.5 billion CNY, an increase of 1.8 billion CNY from the end of last year, benefiting 143 technology innovation and small micro-enterprises [3] - The current re-loan and re-discount interest rates are maintained around 2% [3] Group 2: Private Banking Development - Jiangyin Bank's savings deposits in Jiangyin reached 655 billion CNY, accounting for 32% of the city's total savings deposits [3] - The total scale of wealth management products reached 196 billion CNY [3] - The bank has established three branches in Suzhou, Wuxi, and Changzhou to expand its private banking business, leveraging the favorable economic environment [3] Group 3: Strategic Focus - The bank aims to enhance its private banking services by focusing on high-net-worth clients, supported by the region's strong economic indicators, such as an average disposable income of 67,555 CNY in 2021 [3] - The bank is accelerating its digital transformation and expanding online services through mobile banking, online banking, and WeChat banking [3] - Future strategies include improving product service systems and enhancing marketing capabilities to create a more competitive private banking offering [3]

Group 1: Deposit Growth and Structure - As of September 2022, total deposits reached CNY 125.17 billion, an increase of CNY 10.71 billion, representing a growth rate of 9.36% since the beginning of the year [3] - In Q3 2022, deposits grew by CNY 4.165 billion compared to the first half of the year, with corporate demand deposits increasing by CNY 0.921 billion and savings demand deposits by CNY 0.950 billion [3] - The bank has focused on enhancing its competitiveness in the corporate deposit market through targeted products and services [3] Group 2: Credit Growth and Risk Management - The bank is actively promoting a campaign to support real economy and assist enterprises, focusing on five key customer groups for targeted marketing [3] - As of September 30, 2022, the non-performing loan (NPL) ratio was 0.98%, a decrease of 0.34 percentage points since the beginning of the year, marking the lowest level since the bank's listing [3] - The bank has implemented a proactive management approach for loans affected by external factors, ensuring that these loans remain in good standing without overdue payments [3]

Financial Performance - Total operating income for Q3 2022 reached RMB 929.31 million, a year-on-year increase of 13.81%[9] - Net profit attributable to shareholders for Q3 2022 was RMB 342.17 million, reflecting a year-on-year growth of 22.84%[9] - The bank's net profit for the first three quarters of 2022 was RMB 916.83 million, a year-on-year increase of 22.38%[17] - Net profit for the third quarter reached RMB 916,620, an increase of 21.8% compared to RMB 752,583 in the same period last year[64] - Basic earnings per share increased to RMB 0.4221, compared to RMB 0.3449 in the same period last year, representing a growth of 22.4%[64] Loan and Deposit Growth - The total loan amount as of September 30, 2022, was RMB 102.17 billion, an increase of RMB 10.69 billion or 11.69% since the beginning of the year[15] - The bank's total deposits reached RMB 125.17 billion by the end of September 2022, an increase of RMB 10.71 billion or 9.36% since the beginning of the year[19] - Total deposits reached RMB 128,033,734 thousand by the end of September 2022, compared to RMB 117,447,493 thousand at the end of 2021, reflecting a growth of 7.73%[34] - The total loan amount was RMB 102,165,783 thousand as of September 2022, up from RMB 91,470,973 thousand at the end of 2021, representing an increase of 11.67%[34] Cash Flow and Operating Activities - The net cash flow from operating activities for Q3 2022 was negative RMB 74.19 million, a decline of 95.63% year-on-year[9] - The net cash flow from operating activities for the first nine months of 2022 was RMB 396,040 thousand, a significant increase of 115.16% compared to a net outflow of RMB 2,613,162 thousand in the same period of 2021[33] - Net cash flow from operating activities increased to ¥396,040 from a negative ¥2,613,162 in the previous period[69] Asset Quality and Risk Management - As of September 30, 2022, the non-performing loan ratio was 0.98%, a decrease of 0.34 percentage points from the beginning of the year, with a provision coverage ratio of 496.19%, an increase of 165.57 percentage points year-to-date[20] - The non-performing loan ratio is 0.98%, significantly below the regulatory limit of ≤5%[38] - The loan migration rate for normal loans is 1.45%, indicating a stable credit quality[38] - The bank's non-performing loan ratio remained stable, with credit impairment losses amounting to RMB 1,230,748, up from RMB 961,689 in the previous year[64] Capital and Liquidity Ratios - Capital adequacy ratio as of September 30, 2022, is 13.91%, above the regulatory standard of ≥10.5%[38] - The liquidity coverage ratio stands at 124.16%, exceeding the minimum requirement of 100%[38] - The bank's core tier 1 capital adequacy ratio is 12.74%, slightly down from 12.96% in 2021[44] - The bank's leverage ratio is 7.67%, showing a slight increase from 7.49% in the previous quarter[46] Other Income and Investments - The bank's total other income for the first nine months of 2022 was RMB 47,383 thousand, a substantial increase of 279.52% from RMB 12,485 thousand in the same period of 2021, primarily due to increased government subsidies[29] - The bank's other debt investments decreased by 30.05% to RMB 12,261,201 thousand as of September 30, 2022, from RMB 17,529,377 thousand at the end of 2021, due to asset structure adjustments[28] - Cash inflow from investment activities totaled ¥54,878,506, compared to ¥25,027,748 in the prior period[69] - Cash outflow for investment activities was ¥54,657,120, significantly higher than ¥17,158,729 previously[69] Strategic Initiatives - The bank launched the "Jiang Xiaoyu" personal operating loan product in Q3 2022, targeting individual businesses and small enterprises[16] - The bank plans to enhance its digital banking services and expand its market presence in rural areas[62]

Financial Performance - Total operating income for the first half of 2022 reached RMB 2,036,020 thousand, an increase of 25.96% compared to RMB 1,616,373 thousand in the same period of 2021[23] - Total profit for the first half of 2022 was RMB 486,928 thousand, up 25.58% from RMB 387,738 thousand in the first half of 2021[23] - Net profit attributable to shareholders of the listed company was RMB 574,667 thousand, representing a 22.10% increase from RMB 470,635 thousand in the same period last year[23] - Basic earnings per share for the first half of 2022 was RMB 0.2646, an increase of 22.10% from RMB 0.2167 in the same period of 2021[23] - Net profit for the first half of 2022 reached CNY 573.76 million, an increase of 21.42% compared to CNY 472.56 million in the same period of 2021[76] - The bank's total profit increased by 25.58% to CNY 486.93 million, up from CNY 387.74 million in the first half of 2021[76] Cash Flow and Liquidity - Net cash flow from operating activities improved significantly to RMB 470,234 thousand, a 151.48% increase compared to a negative cash flow of RMB 913,469 thousand in the first half of 2021[23] - The bank's liquidity coverage ratio is 109.31%, exceeding the regulatory requirement of 100%[40] - The bank's liquidity ratio as of June 30, 2022, was 94.41%, indicating a stable and controllable overall liquidity situation[166] Assets and Liabilities - Total assets as of June 30, 2022, amounted to RMB 160,122,726 thousand, reflecting a 4.57% increase from RMB 153,127,599 thousand at the end of 2021[23] - Total liabilities increased by 4.90% to RMB 146,813,634 thousand from RMB 139,961,942 thousand at the end of 2021[23] - The bank's total equity as of June 30, 2022, was RMB 13.31 billion, slightly up from RMB 13.17 billion at the end of 2021, reflecting a marginal increase of 1.07%[112] Loan and Deposit Growth - The total deposits as of June 30, 2022, amount to CNY 121,005,238,000, an increase from CNY 114,458,689,000 at the end of 2021, representing a growth of approximately 4.8%[38] - The total loans as of June 30, 2022, are CNY 99,666,554,000, up from CNY 91,470,973,000 at the end of 2021, indicating a growth of about 9.5%[38] - The total amount of loans classified as normal was CNY 98,195,792, representing 98.52% of total loans as of June 30, 2022[126] Non-Performing Loans and Risk Management - The non-performing loan ratio is reported at 0.98%, a decrease from 1.32% in 2021[40] - The non-performing loan balance as of June 30, 2022, was RMB 979 million, with a non-performing loan ratio of 0.98%, a decrease of 0.34 percentage points from the beginning of the year[57] - The loan provision coverage ratio improved to 496.08%, an increase of 165.46 percentage points compared to the beginning of the year[123] Operational Efficiency - The cost-to-income ratio stands at 28.08%, showing an improvement compared to 33.40% in the previous year[40] - Operating expenses increased to CNY 571.71 million, a rise of 9.45% compared to CNY 522.34 million in the same period last year[82] - The bank's interest income from personal loans grew by 36.13% to CNY 660.11 million, compared to CNY 484.90 million in the first half of 2021[77] Strategic Initiatives - The bank's strategy includes leveraging technology to create a digital smart banking experience, focusing on personalized and scenario-based services[66] - The bank launched new products including "Furong·Science and Technology Loan" and "Furong·Village Loan" to meet various financing needs[55] - The company aims to strengthen its four profit segments: corporate finance, inclusive finance, personal retail, and interbank business, to enhance operational efficiency and significantly increase corporate value[182] Market Expansion and Customer Engagement - The bank plans to expand its market presence by opening 10 new branches in key urban areas by the end of 2022[196] - Jiangyin Bank has launched a new mobile banking app, which has already attracted 200,000 downloads within the first month of launch[195] - The focus will be on deepening engagement in county-level markets, particularly in the "Suzhou, Wuxi, Changzhou" area, to continuously increase market share within the region[185] Compliance and Risk Management - The bank's compliance management department was established in October 2008 and renamed the Legal Compliance Department in 2019, focusing on compliance risk management across all operations[156] - The bank has implemented a series of measures to manage operational risk, including improving internal control systems and conducting regular audits[159] - The bank's liquidity risk management strategy includes a comprehensive set of policies and procedures to identify, measure, and monitor liquidity risks associated with new products and services[161][164]

Financial Performance - Total operating income for Q1 2022 reached RMB 996.03 million, an increase of 22.25% compared to RMB 814.73 million in the same period last year[9] - Net profit attributable to shareholders was RMB 275.06 million, up 20.56% from RMB 228.16 million year-on-year[9] - Investment income surged to CNY 136.51 million in Q1 2022, a significant increase of 1077.45% compared to CNY 11.59 million in Q1 2021[27] - Net profit for Q1 2022 was RMB 275,082,000, representing a 23.3% increase from RMB 223,105,000 in Q1 2021[60] - The bank's total operating expenses for Q1 2022 were RMB 702,862,000, an increase from RMB 634,136,000 in the previous year[60] Asset and Liability Management - Total assets at the end of Q1 2022 amounted to RMB 157.89 billion, reflecting a growth of 3.11% from RMB 153.13 billion at the end of the previous year[9] - Total liabilities increased to RMB 144,505,602,000, compared to RMB 139,961,942,000 at the end of the previous year[57] - Total deposits increased to RMB 116.33 billion, with a growth of RMB 1.87 billion or 1.6% since the beginning of the year[13] - Total deposits amounted to CNY 116.33 billion as of March 31, 2022, compared to CNY 114.46 billion at the end of 2021, reflecting an increase of 1.63%[31] - The bank's total equity increased to RMB 13,387,018,000, compared to RMB 13,165,657,000 at the end of the previous year[57] Loan and Credit Quality - Total loans reached RMB 96.64 billion, marking a growth of RMB 5.17 billion or 5.7% year-to-date[13] - The non-performing loan balance was CNY 954 million, with a non-performing loan ratio of 0.99%, decreasing by CNY 251 million and 0.33 percentage points from the beginning of the year[18] - The non-performing loan ratio improved to 0.99%, down from 1.32% in the previous year, indicating a decrease of 25%[34] - The total loan principal was CNY 96.64 billion as of March 31, 2022, up from CNY 91.47 billion at the end of 2021, indicating a growth of 5.67%[31] Profitability Metrics - The weighted average return on equity was 2.09%, up 0.22 percentage points from the previous year[9] - The net interest margin improved to 2.23%, an increase of 0.38 percentage points year-on-year[13] - The net interest margin was reported at 2.00%, an increase from 1.89% year-over-year, indicating a growth of 5.8%[34] - The cost-to-income ratio improved to 27.29%, down from 33.40% in the previous year, showing a significant improvement of 18.5%[34] Cash Flow Analysis - The bank's cash flow from operating activities showed a significant decline, with a net outflow of RMB 8.65 million compared to a net inflow of RMB 3.93 billion in the same period last year, a decrease of 100.22%[9] - The net cash flow from operating activities showed a drastic decline to CNY -8.65 million in Q1 2022, down from CNY 3.93 billion in Q1 2021, marking a decrease of 100.22%[30] - Cash inflow from investment activities surged to 13,619,260, compared to 3,991,333 in the prior period[63] - The net increase in cash and cash equivalents was 136,270, recovering from a decrease of 671,530 in the previous period[63] Regulatory Compliance and Risk Management - The provision coverage ratio increased to 456.84%, up by 126.22 percentage points from the beginning of the year[18] - The bank's compliance management has been enhanced with the revision of 32 internal policies to align with new regulations[18] - The capital adequacy ratio stood at 13.82%, slightly down from 14.11% in the previous year, reflecting a decrease of 2.1%[40] - The core tier 1 capital adequacy ratio was 12.67%, down from 12.96% in the previous year, reflecting a decrease of 2.2%[40] - The liquidity coverage ratio was reported at 146.32%, well above the regulatory requirement of 100%[34] Customer Engagement and Product Development - The bank's online loan customers increased by 3,751, a growth of 39.93% since the beginning of the year[14] - The bank launched new products including "Village Loan" and "Cheng Credit" series to meet the financing needs of rural economic organizations and high-tech enterprises[17]