证券代码：002807 证券简称：江阴银 江阴银行投资者关系活动记录表 编号:2018-01 | --- | --- | --- | --- | |-----------------------------|-----------------------------------------------------------|----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | 投资者关系活动类 \n别 | √ 特定对象调研 \n□ 媒体采访 ...

Economic Overview - Jiangyin City is located at the geometric center of the Yangtze River Delta, with a developed manufacturing industry and active private economy. It contributes to 1/240 of the national GDP, 1% of A-share listed companies, and 1/50 of the top 500 Chinese enterprises [3] - In 2020, Jiangyin achieved a GDP of CNY 411.3 billion, with a growth rate of 3.0%. The total revenue of above-scale industries reached CNY 585.37 billion, growing by 1.3% [3] Bank Performance - As of Q1 2021, Jiangyin Bank's total assets reached CNY 143.98 billion, an increase of CNY 1.27 billion (0.85%) from the beginning of the year. Total deposits amounted to CNY 108.33 billion, up CNY 5.26 billion (5.1%), and total loans were CNY 84.31 billion, increasing by CNY 4.08 billion (5.1%) [3] - The net profit attributable to the listed company in Q1 2021 was CNY 228 million, representing an increase of 8.61% compared to the same period last year [3] Loan Growth - By the end of 2020, the balance of inclusive small and micro enterprise loans was CNY 14.43 billion, an increase of CNY 2.97 billion (25.9%), exceeding the overall loan growth rate by 11.1 percentage points. Personal loans reached CNY 14.49 billion, up CNY 3.86 billion (36.2%) [4] - In Q1 2021, the total amount of inclusive small and micro enterprise loans was CNY 15.87 billion, growing by 10.0%, while personal loans totaled CNY 16.30 billion, increasing by 12.5% [4] Asset Quality - As of the end of 2020, the non-performing loan (NPL) ratio was 1.79%, a decrease of 0.04 percentage points, marking four consecutive years of decline. The balance of special mention loans was CNY 816 million, down by 47.83% [4] - By the end of Q1 2021, the NPL ratio further decreased to 1.52%, down 0.27 percentage points, with a provision coverage ratio of 274.27%, an increase of 50 percentage points from the beginning of the year [4] Capital Adequacy - As of Q1 2021, the core Tier 1 capital adequacy ratio was 12.90%, the Tier 1 capital adequacy ratio was 12.91%, and the total capital adequacy ratio was 14.04%, indicating no immediate pressure for capital replenishment [4] - The bank has CNY 1.758 billion in convertible bonds yet to be converted, which will further enhance its capital after conversion [4]

编号:2021-02 证券代码：002807 证券简称：江阴银行 2021 年 5 月 20 日投资者关系活动记录表 | --- | --- | --- | |-------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ ...

编号:2021-03 证券代码：002807 证券简称：江阴银行 2021 年 9 月 13 日投资者关系活动记录表 | --- | --- | --- | |----------------|---------------------------------|--------------------------------------------------| | | ■特定对象调研 | ■分析师会议 | | | □媒体采访 □业绩说明会 | | | 投资者关系活动 | □新闻发布会 □路演活动 | | | 类别 | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | 天风证券银行首席 | 廖紫苑 | | | 新华资产 刘烨 | | | | 银河基金 尹泽翌 | | | 参与单位名称及 | 建信信托 吴晓鹏 | | | 人员姓名 | 人民养老 季怡轩 | | | | 万家基金 黄天一 | | | | 富安达基金 李正伦 | | | | 高致投资 李付玲 | | | 时间 | 2021 年 9 月 13 日 | 15:30-16:30 | | 地点 | | 江苏省江阴市银信大厦十一楼 ...

Group 1: Loan Structure and Performance - As of September 2021, Jiangyin Bank holds a loan market share of 15.90% in the Jiangyin area, maintaining a leading position [2] - The total loan balance is 91.417 billion CNY, with loans accounting for 62.88% of total assets, an increase of 6.68 percentage points since the beginning of the year [2] - Personal loan balance reached 19.709 billion CNY, growing by 36.05% compared to the beginning of the year, and personal loans constitute 21.56% of total loans [2] Group 2: Future Strategies - Jiangyin Bank aims to enhance inclusive finance by increasing support for small and micro enterprises, reducing the proportion of large loans, and improving the structure of credit assets [2] - The bank's strategy for small and micro business development includes focusing on personal operating loans, enhancing service models, and expanding external markets [3] Group 3: Technological Integration - The bank is leveraging financial technology to create a new ecosystem for financial services, integrating big data with customer-centric services [3] - Initiatives include electronic business license banking integration, mobile payment solutions for public transport, and various smart living services benefiting 70,000 union members [3] Group 4: Fund Distribution Business - Jiangyin Bank has obtained qualifications for fund distribution and plans to enhance risk control while leveraging its extensive network and online business recognition to increase intermediary income [3]

Economic Overview - Jiangyin's GDP reached 3159.99 billion CNY in 2021, with a year-on-year growth of 9% [1] - The city's industrial added value was 891.28 billion CNY, growing by 9.7% [1] - Retail sales totaled 503.51 billion CNY, reflecting a 6.2% increase [1] - Import and export volume reached 169.71 billion USD, up by 18.3% [1] Business Development Strategy - Jiangyin Bank's loans in non-local areas accounted for 31.03% of total loans by the end of 2020, an increase of 19.88 percentage points since 2016 [3] - The bank plans to deepen collaboration in three southern Jiangsu branches and enhance services in seven non-local branches [3] - The bank aims to stabilize five village and town banks, focusing on building a reputable brand [3] Retail Business Plans - The bank will maintain its focus on traditional inclusive finance, targeting small micro-enterprises with loans up to 10 million CNY [3] - There is an emphasis on increasing the proportion of small micro-business loans through enhanced outreach and technology [3] - The bank aims to develop retail banking by leveraging technology to create a personalized and intelligent digital banking experience [3]

Group 1: Economic Performance - As of September 2021, the GDP of Jiangyin reached 315.99 billion CNY, a year-on-year increase of 9.8% [1] - The industrial added value for the same period was 891.28 billion CNY, with a retail sales total of 503.51 billion CNY, growing by 6.2% year-on-year [1] - The total import and export volume was 169.71 billion USD, reflecting an 18.3% year-on-year growth [1] Group 2: Loan Growth and Demand - By the end of September 2021, the bank's total loan balance was 914 billion CNY, an increase of 14% compared to the previous year [1] - Inclusive loans for farmers and small micro-enterprises reached 200 billion CNY, growing by 35% since the beginning of the year [3] - Personal loan balances stood at 197 billion CNY, with a growth rate of 36% year-on-year [3] Group 3: Competitive Advantages in Manufacturing - The bank has established a strong brand reputation, being recognized as the top financial institution in Jiangyin for several consecutive years [3] - Decision-making advantages stem from streamlined approval processes, addressing financing challenges for manufacturing enterprises [3] - The bank's customer managers possess local knowledge, enhancing risk control and service delivery [3] Group 4: Retail Transformation Efforts - The bank has accelerated its retail transformation, achieving a 98.18% electronic banking transaction substitution rate [3] - Online credit business accounts for 70.25% of total credit operations, with 97,000 new mobile banking users added in the first three quarters [3] - The bank aims to create a digital smart bank, focusing on innovative online loan products and enhancing customer service [4]

编号:2022-17 证券代码：002807 证券简称：江阴银行 2022 年 05 月 11 日投资者关系活动记录表 | --- | --- | --- | |----------------|---------------------------------|----------------------------------------------------| | | ■特定对象调研 ■分析师会议 | | | | □媒体采访 □业绩说明会 | | | 投资者关系活动 | □新闻发布会 □路演活动 | | | 类别 | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | 中泰证券股份有限公司 | 戴志锋 邓美君 贾靖 | | | 国寿资产管理有限公司 | 周洁 王韶怀 | | | 中欧基金管理有限公司 | 邓达 | | | 中庚基金管理有限公司 | 杨雪 | | | 万家基金管理有限公司 | 宋悦 | | | 惠升基金管理有限责任公司 | 游懿轩 | | 参与单位名称及 | 国华人寿保险股份有限公司 | 傅慧芳 | | 人员姓名 | 宁银理财有限责任公司 | 郑州杰 | | | ...

编号:2022-12 证券代码：002807 证券简称：江阴银行 2022 年 05 月 09 日投资者关系活动记录表 | --- | --- | --- | |----------------|---------------------------------|----------| | | ■特定对象调研 ■分析师会议 | | | | □媒体采访 □业绩说明会 | | | 投资者关系活动 | □新闻发布会 □路演活动 | | | 类别 | □现场参观 | | | | □其他（请文字说明其他活动内容） | | | | 北京汉和汉华资本管理有限公司 | 张婷婷 | | | 上海焱牛投资管理有限公司 | 周洁钦 | | | 南方基金管理股份有限公司 | 固收肖钰 | | | 上海睿郡资产管理有限公司 | 丁晨霞 | | | 银华基金管理股份有限公司 | 陈思 | | | 博道基金管理有限公司 | 傅之浩 | | | 建信保险资产管理有限公司 | 何利丽 | | | 上海宏流投资管理有限公司 | 程宾宾 | | | 兴证证券资产管理有限公司 | 牟卿 | | | 银华基金管理股份有限公司 | 张煜炜 | | 参与 ...

证券代码：002807 证券简称：江阴银行 编号:2022-09 | --- | --- | --- | --- | --- | |----------------|-------------------------------------------------|------------------------------------|-------|-------| | | | | | | | | ■特定对象调研 ■分析师会议 □媒体采访 □业绩说明会 | | | | | 投资者关系活动 | □新闻发布会 □路演活动 | | | | | 类别 | □现场参观 | | | | | | □其他（请文字说明其他活动内容） | | | | | | 兴业证券股份有限公司 | | | | | 参与单位名称及 | | | | | | 人员姓名 | 中银基金管理有限公司 武苇杭、王伟 | 刘腾、李建、缪逸冰、王帅、夏宜冰、 | | | | 时间 | 2022 年 05 月 06 日 9:00-10:00 | | | | | 地点 | 电话会议 | | | | | 上市公司接待人 | 董事会秘书 卞丹娟 | | | | | ...